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

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Speaker 1: your the Order Kerni Whoalbury and a waddery woman. And

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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

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Speaker 2: here to make your year end on a high note,

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Speaker 2: even if your budget had a few plot twists along

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Speaker 2: the way. It's quite all right, you know what d

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Speaker 2: it is?

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Speaker 4: What day is?

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Speaker 1: It? Be?

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Speaker 2: Its Christmas? Christmas Day. While the presents are unwrapped, the

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Speaker 2: pavlover is in the fridge right now as we speak,

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Speaker 2: and the family debates over monopoly are hopefully on.

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Speaker 1: Paul.

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Speaker 4: Oh no, they're not, like my family's going to write

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Speaker 4: over Katan. We don't play monopoly.

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Speaker 2: We play Katan. Yes we are savage. I like playing

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Speaker 2: logo quiz.

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Speaker 4: I can actually spoil it now because it's Christmas Day,

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Speaker 4: but I bought the expansion packs for my family for

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Speaker 4: a time for Christmas.

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Speaker 2: Idea. That's really great, Oka, I'm gonna pull it out

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Speaker 2: today as well. So we're taking him over to reflect

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Speaker 2: on something even more precious. How we spent our time,

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Speaker 2: our money, and our energy this year. That's love is awesome.

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Speaker 2: So today we're unwrapping the Gift of Reflection VD. And

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Speaker 2: I couldn't think of a better person to dive into

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Speaker 2: this with than the woman who somehow balances budgets, businesses

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Speaker 2: and baby bottles Victoria Divine.

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Speaker 4: Oh, I've never watched a baby bottle. Honestly, my husband

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Speaker 4: does all of that, so that's exactly how. But I'm

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Speaker 4: excited about this. I was talking about this on Instagram

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Speaker 4: the other day and I didn't achieve a lot of

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Speaker 4: my personal goals this year, which I feel like people

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Speaker 4: look at me and they go, shut up, V, like

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Speaker 4: you're so successful.

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Speaker 2: Yeah, But I wrote a list and I checked it

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Speaker 2: twice and then I didn't do anything on it.

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Speaker 4: It's okay, which is fine because this year I approach

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Speaker 4: every single situation with grace and kindness, and that's the

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Speaker 4: bare minimum exactly. At the end of the day, a

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Speaker 4: lot of people can't say they did the same.

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Speaker 2: No, you can definitely like not check things off your list,

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Speaker 2: But if you're kind to yourself, you've won. Today we'll

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Speaker 2: be chatting about how reflecting on the past year can

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Speaker 2: set you up for success and the next. And I've

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Speaker 2: got a few juicy questions lighted up to do intervd's

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Speaker 2: own highlights and lessons from this year. So should we

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Speaker 2: start with why reflection is so important? Does it really

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Speaker 2: help us make my decisions? Or is it just another

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Speaker 2: thing to add to our to do list?

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Speaker 4: Maybe it's just like another thing to add to how

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Speaker 4: to do list. If you type a like me, you

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Speaker 4: like adding things to you to do lists like it

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Speaker 4: makes you feel accomplished, So take it however you want.

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Speaker 2: But reflections are so incredibly important.

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Speaker 1: Beck.

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Speaker 4: It's not just I don't know, a little feel good reflection,

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Speaker 4: but more because they're backed by solid psychology. You know,

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Speaker 4: I love a little bit of research. So I'm comeing

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Speaker 4: to the table with the receipts when I'm coming you know,

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Speaker 4: of course, taking time to reflect on your year. It's

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Speaker 4: not actually just about like telling up all you ins

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Speaker 4: and then all your losses. It's about giving your brain

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Speaker 4: the space to process, learn and grow, which is kind

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Speaker 4: of nice.

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Speaker 2: So the first thing I want to.

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Speaker 4: Touch on here is memory, consolidation and learning. So that's

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Speaker 4: the heading I've written for myself, and then there's nothing

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Speaker 4: under it, so who knows what I'm about to say,

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Speaker 4: So it's just like watch it fall out, but reflecting

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Speaker 4: on what has worked for us financially and then personally

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Speaker 4: then what hasn't and why. It's going to help create

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Speaker 4: mental shortcuts for making better decisions in the future, Like

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Speaker 4: why didn't that work for you? Oh it didn't work

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Speaker 4: because ABC? Okay cool, So like have we learned something

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Speaker 4: from this? And you'd be like, yeah, actually I have. Yeah,

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Speaker 4: I'm not going to approach something like that again this way.

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Speaker 4: I'm going to do it this way. I want you

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Speaker 4: to think of it as kind of like rewiring your

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Speaker 4: brain to be your own personal finance coach. Like that's

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Speaker 4: a good deal, Like I want a personal finance coach

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Speaker 4: that I don't have to pay money.

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Speaker 2: Which she's in here exactly.

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Speaker 4: You're not the biggest book person in the nie world,

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Speaker 4: but I am. There's a book by Norman Deutsche and

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Speaker 4: it is called The Brain That Changed Itself And it

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Speaker 4: is so interesting if you're not going to like read

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Speaker 4: it back audio book it like I listened to it,

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Speaker 4: but it talks about this concept of neuroplasticity.

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Speaker 2: It's just very cool.

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Speaker 4: It's like about these people with brain damage who forget

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Speaker 4: how to walk and then they're like thrown in the

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Speaker 4: deep end of being taught how to walk again. With

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Speaker 4: this idea that your brain has a certain way of learning.

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Speaker 4: So if you were a baby and you were learning

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Speaker 4: to walk, you would first learn to crawl, and then

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Speaker 4: you would learn to like, you know, stand up assisted,

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Speaker 4: and then you would learn to walk right, whereas people

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Speaker 4: historically who have gotten injured and have to learn to

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Speaker 4: walk again, they are just taught to walk immediately, and

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Speaker 4: that is often not the best way of doing things

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Speaker 4: because your brain needs to create absolutely brand new neural

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Speaker 4: pathways to be able to do these things. So like,

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Speaker 4: wouldn't it make sense to do the progression again?

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Speaker 2: Yeah?

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Speaker 4: Right, Yeah, So it's an interesting concept, but it's essentially

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Speaker 4: this concept called neuroplasticity, where the brain adapts and optimizes

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Speaker 4: itself over time, because if one neural pathway is not

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Speaker 4: working or it is destroyed, you can actually create another one.

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Speaker 4: Talking about like walking here because for me that's probably

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Speaker 4: the best example. But if you have an accident and

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Speaker 4: something happens to your brain, Beck, and you've forgotten how

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Speaker 4: to walk because that bond in your brain of hey, Beck,

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Speaker 4: this is how you wire your body to walk has

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Speaker 4: been broken. You need to either rebuild that or create

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Speaker 4: another neural pathway. And starting from the start makes the

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Speaker 4: most sense. So it's kind of like being able to

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Speaker 4: identify what is and isn't working for you so that

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Speaker 4: you can create new pathways or celebrate the ones that

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Speaker 4: you have that are working really well.

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Speaker 2: It's a really good way to look at it.

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Speaker 4: I think it's really fun. But like you have to

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Speaker 4: crawl before you can walk, yes, And I think that

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Speaker 4: that's a fun thing to do as well, because it

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Speaker 4: just really reminds you that, yeah, you might not have

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Speaker 4: achieved this, but did we actually start where we needed

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Speaker 4: to start. The other thing I've written down here is

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Speaker 4: reflection taps into metacognition, or the ability to think about

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Speaker 4: our own thinking.

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Speaker 2: Okay, I'm going to have to get that broken down,

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Speaker 2: think about your own thinking. Yep.

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Speaker 4: So studies have actually shown us that by engaging in

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Speaker 4: reflective practices. He sounded hippie dippy at the start, but

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Speaker 4: I promise it's real research.

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Speaker 2: I love it.

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Speaker 4: It boosts self awareness and it improves future performance. Yes,

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Speaker 4: so by recognizing and internalizing patterns, we effectively become better

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Speaker 4: at coaching ourselves towards making strategic decisions.

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Speaker 2: Yes.

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Speaker 4: So we're thinking about the way that we're thinking, and

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Speaker 4: that helps us think clearer. I get that I am doing,

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Speaker 4: like investing the money that our money makes makes money.

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Speaker 4: It's like your brain is braining, and then if you

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Speaker 4: brain properly, you'll be able to brain more.

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Speaker 3: Yeah.

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Speaker 2: Put that on a T shirt and wear it. Yeah,

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Speaker 2: we really are. Our brains are really remarkable.

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Speaker 4: But brains are so crazy to think that I'm in

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Speaker 4: my own head thinking about my own head.

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Speaker 2: Now, where you're sitting, you're perceiving the room a different

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Speaker 2: way I'm perceiving.

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Speaker 4: Right, And how do we know that something looks different

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Speaker 4: to one of us exactly?

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Speaker 1: Like?

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Speaker 2: How did you work out that people were color blind?

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Speaker 4: Yes, well that's like, oh that's a really nice red

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Speaker 4: light and the red light where how do they exactly?

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Speaker 4: I need to do a lot more research, but back

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Speaker 4: onto this. So, yes, it's important because by understanding why

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Speaker 4: you're making certain decisions back whether they were great or

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Speaker 4: maybe they could use a little bit of work, we

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Speaker 4: are actually empowering ourselves to approach the future with clarity

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Speaker 4: and confidence, which I think is important. It's not about

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Speaker 4: being perfect, like nobody needs need to be perfect and

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Speaker 4: none of us are perfect. It's about learning from the

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Speaker 4: messy bits and then celebrating the moments where we've freakinhaled it,

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Speaker 4: like we need to celebrate ourselves.

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Speaker 2: Yes, so what if someone is hypothetically sitting there and thinking,

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Speaker 2: mayu's mess where do we even start? How do I?

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Speaker 2: It passes when it all kind of like feels like

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Speaker 2: one big blur, don't worry, Beck, don't you worry? Next

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Speaker 2: year is a new year.

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Speaker 4: Twenty twenty thrive, Yes, twenty twenty thrives so lame. But

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Speaker 4: also reflecting doesn't have to be this like a big, overwhelming,

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Speaker 4: arduous task. It's about creating a little space where we

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Speaker 4: can just be honest about a year. It's like when

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Speaker 4: you do budgets and you know how I say, like

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Speaker 4: don't judge yourself, Like, what's the point in that if

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Speaker 4: you sit down and you're going to look at your

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Speaker 4: budget and be like, oh, I'm so bad.

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Speaker 2: I'm not good at UPC Okay, cool.

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Speaker 4: So this was an exercise in making ourselves feel like

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Speaker 4: trash about our situation, yeah do?

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Speaker 2: Or is it an.

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Speaker 4: Exercise in identifying what's going on so that we can

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Speaker 4: create a clear plan for the future, Like, just draw

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Speaker 4: a line and sand I don't want to hear all

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Speaker 4: of the junk where you question yourself and say that

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Speaker 4: you're bad at things.

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Speaker 2: You're not.

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Speaker 4: You just didn't have a plan, Like people are like,

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Speaker 4: oh my god, I'm so bad at money v No,

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Speaker 4: you're not. You just didn't have a framework. What I

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Speaker 4: want you to do when it comes to thinking about

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Speaker 4: your year is find a moment ask yourself, beck what

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Speaker 4: worked this year? Right?

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Speaker 2: What didn't work? What did you learn?

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Speaker 4: Do you feel icky about anything? Do you feel really

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Speaker 4: good about anything?

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Speaker 2: What are they?

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Speaker 4: Don't overthink it.

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Speaker 2: It's not perfection.

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Speaker 4: No one else has to look at this, by the way,

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Speaker 4: like you could even burn the note after if you're like, oh,

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Speaker 4: I don't really want to write it. Yeah, I got

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Speaker 4: asked the other day like, V do you journal, and

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Speaker 4: I was like, absolutely not. I'd end up in jail,

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Speaker 4: like you would use that stuff in a court of

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Speaker 4: law against me.

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Speaker 2: I can't write it down what happens in here.

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Speaker 4: I don't need you to be perving on it. I

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Speaker 4: want you to go to my bedside table and pick

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Speaker 4: it up and be like, holy g a moment, she

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Speaker 4: is as cooked as we thought she was.

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Speaker 2: Whenever I like try to journal, I always write in

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Speaker 2: a way where I'm traveler might read, Yeah, I'm trying

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Speaker 2: to be cool. I do the same thing though, and

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Speaker 2: I'm like, no one's gonna remain diary. Yeah, it's not

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Speaker 2: a big deal or anything, but I just save someone's life,

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Speaker 2: you know. I'm just trying to be really cool and

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Speaker 2: really like not too like dramatic.

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Speaker 4: But I wouldn't want to actually put my real feelings

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Speaker 4: down if somebody reads, it's really not the point of journal.

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Speaker 2: Yeah.

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Speaker 4: Yeah, you have to put that down, but you can

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Speaker 4: burn it later if you really want to, Like we.

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Speaker 2: Can destroy the evidence. Yes, we can get rid of it.

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Speaker 4: But it's actually about being curious, Like what did you

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Speaker 4: start thinking about jot it down? The goal is really simple.

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Speaker 4: We want to spot the lessons and celebrate the wins

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Speaker 4: and let the rest go exactly right.

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Speaker 2: So this is kind of in the same vein, But

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Speaker 2: I'll just know that, like I get to the end

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Speaker 2: of the year, I'm reflecting, I'm looking at the things

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Speaker 2: that didn't work, and when I'm writing up new things,

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Speaker 2: I'll be like, Okay, we know the motivation is fleeting.

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Speaker 2: We know that we're going to get to a point

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Speaker 2: where my motivation here for one moment, gone forever exactly,

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Speaker 2: and I'm just like, Okay, next week, I'm going to

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Speaker 2: feelmpletely different. Next week, I'm going to be really unmotivated.

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Speaker 2: I'm going to predict the really crappy feelings, the ones

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Speaker 2: that lead me astray from my goals, and be like,

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Speaker 2: when I feel that way, and I know I will,

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Speaker 2: I'm going to do X y Z. So you just

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Speaker 2: could be honest about you might not stick to ease,

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Speaker 2: but what are you going to do when you feel

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Speaker 2: like not sticking to them anymore? Anyway, back onto the topic.

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Speaker 2: When we are thinking about this, should we like at

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Speaker 2: least acknowledged that twenty twenty four was a year, which

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Speaker 2: is start by acknowledging this year, I mean you took

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Speaker 2: over as the sole owner of Zella, which is incredible. God,

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Speaker 2: you released not one, but two books.

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Speaker 4: Yeah in one year, that was pretty big sleigh for me.

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Speaker 2: Yeah, you created an entire invessing master class, started churning

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Speaker 2: out four podcast episodes. We're actually unhinged. Yeah, yeah, you're unhinged.

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Speaker 2: Is this like a call Victoria out least it is?

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Speaker 2: And also if that wasn't enough, the most important thing

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Speaker 2: you went on a holiday. You went a holiday, and

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Speaker 2: you created a whole new life.

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Speaker 4: I had a baby that's actually unhinged. I'm tired, just myself.

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Speaker 4: I'm just sick of my own I'm sick of it

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Speaker 4: straight in the it's an expostive list, and that's why

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Speaker 4: I feel a little bit embarrassed when I'm like, oh,

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Speaker 4: I didn't really achieve my goals list, and like I

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Speaker 4: want to share my honest feelings about you know, hey,

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Speaker 4: this is what's going on, this is how I'm feeling,

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Speaker 4: rah are. But then also you do stuff like that

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Speaker 4: and you make me look really bad, Like all of

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Speaker 4: that makes me look great. But then I'm like, I

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Speaker 4: didn't achieve my goals and people are going to be like,

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Speaker 4: shut up, Victoria sure you do have ever, we also

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Speaker 4: have a whole team behind me, right, Like I did

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Speaker 4: write two books, that's fantastic, But do you really think

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Speaker 4: I sat there and wrote the entire investing masterclass in

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Speaker 4: isolation and then built a whole online platform, Like I

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Speaker 4: have a team behind me. It's will be so sick

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Speaker 4: of me, but like it takes a village and I'm

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Speaker 4: very very lucky for that. So yes, my plate was

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Speaker 4: very full, very grateful. But there's so much stuff I

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Speaker 4: want to do next year, Like next year is the

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Speaker 4: year of Zella love that.

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Speaker 2: What about me?

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Speaker 4: You can come along for the ride. I mean I'm

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Speaker 4: still here literally every day.

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Speaker 2: Perfect. Okay, that's very company with everything you had on

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Speaker 2: your plates. What's the biggest lesson twenty twenty four taught

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Speaker 2: you a boy yourself?

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Speaker 4: Well, I have a couple of lessons, but I did

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Speaker 4: sign an NDA, so I'm just going to share the

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Speaker 4: ones that I can share. Okay, that makes it sound

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Speaker 4: so much more. Yeah, I saw that on TikTok.

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Speaker 2: The other day.

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Speaker 4: Someone was like, what if somebody asks about like a

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Speaker 4: break in your career, Like they're like, oh, Beck, you

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Speaker 4: weren't employed for six months? Here, what happened, just say

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Speaker 4: I could talk about it, but I signed an NDA.

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Speaker 2: Oh that is so cool. Wouldn't that be funny? That's cool.

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Speaker 4: Can you imagine interviewing somebody and then going, I can't

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Speaker 4: talk about that.

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Speaker 2: I signed an NDA.

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Speaker 4: That is really cool, So funny anyway, complete side note,

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Speaker 4: what was my biggest lesson? Do you know what my

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Speaker 4: biggest lesson was? And this is hard, right, it's two things.

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Speaker 4: I feel like I trust too easily, but I don't

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Speaker 4: think that that's a bad thing.

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Speaker 2: I think at the start.

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Speaker 4: Of this year, I was like, this is a terrible thing.

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Speaker 4: I trust everyone too easily and I shouldn't. But I

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Speaker 4: think that's actually a really good personality trait. Although hard,

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Speaker 4: I think I learned that I can do it on

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Speaker 4: my own. So like I think for a very long time,

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Speaker 4: I have thought that I need other people to help

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Speaker 4: me along my journey. I need other people to come

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Speaker 4: in and I can't possibly do this on my own.

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Speaker 4: I need, you know, a hand to hold or something

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Speaker 4: to do. And I'm actually completely capable of doing it

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Speaker 4: on my own. I obviously say this every year, but

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Speaker 4: like it's about the process, not perfection, and like done

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Speaker 4: is much better than perfect.

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Speaker 2: So I've learned that.

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Speaker 4: I've also learned that I probably put too much pressure

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Speaker 4: on myself.

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Speaker 2: But then what else have I learned?

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Speaker 4: My instincts aren't wrong.

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Speaker 2: You gotta trust that fetuition. Yeah, like it's bad.

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Speaker 4: But like if you think something's off, Yeah, even when

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Speaker 4: you ask and they say na, na, na, no thing's off,

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Speaker 4: I'm all good.

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Speaker 2: Nah.

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Speaker 4: If you felt that something was off, something's off.

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Speaker 2: I gotta agree.

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Speaker 4: Your body knows, and I don't know how it knows.

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Speaker 4: And the more I feel like I tune into that,

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Speaker 4: the more I am learning about that.

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Speaker 2: Yeah, I don't know.

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Speaker 4: Maybe I'm gonna like launch a universe podcast or something

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Speaker 4: in twenty twenty five and go full hipidip. But like,

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Speaker 4: I genuinely think you need to trust your intuition. If

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Speaker 4: your first reaction is this is not good, I promise

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Speaker 4: it's not. I've heard about like this bride who just

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Speaker 4: kept getting sick and just like she already kind of

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Speaker 4: knew there was something wrong with the relationship she was in,

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Speaker 4: but then there was the engagement. That's all this gift sharing.

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Speaker 2: You know, all this stuff. Everything was coming up, everything

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Speaker 2: was coming up, and she kept getting sick and she

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Speaker 2: did find out that something was wrong. So I feel

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Speaker 2: like your body knows, trust your body trust you in

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Speaker 2: sick I feel it's really good.

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Speaker 4: Trusting your gut is really important. Like I always say that.

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Speaker 4: Then I wasn't doing it. I feel iky, but like,

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Speaker 4: oh my god, everyone feels ikey doing this, Like this

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Speaker 4: is such a big decision.

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Speaker 2: Yeah, it's hard to distinguish.

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Speaker 4: There might be a reason for that. So, like it's

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Speaker 4: hard academically right, like, oh, I'm working so hard full stop,

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Speaker 4: but like if there is a process and there's so

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Speaker 4: much friction getting something across the line, maybe it's not

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Speaker 4: meant to happen.

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Speaker 2: I agree. So with so much going on, how did

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Speaker 2: you manage to balance the demands of work, motherhood, and

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Speaker 2: just you know, like being a human. Was there a

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Speaker 2: moment where you say, okay something, Yes, a lot of tears,

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Speaker 2: I'm sorry to here.

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Speaker 4: I feel like that's normal. Like if I feel overwhelmed,

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Speaker 4: sometimes I.

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Speaker 2: Just crack and I don't feel fry.

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Speaker 4: Like you know when you're just like, oh my god,

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Speaker 4: do this. It doesn't happen that often, to be honest,

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Speaker 4: doesn't happen at work.

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Speaker 2: You're welcome, But I think it's you're allowed, though, Yeah, like.

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Speaker 4: Something's got to give. I think I was very good

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Speaker 4: at foreseeing that this year would be a big year

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Speaker 4: for us at work, knowing I was having a baby.

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Speaker 4: We did a lot of pre planning to make sure

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Speaker 4: that we knew how this was going to go. But like,

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Speaker 4: I think it was just a challenging year as a whole,

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Speaker 4: and like that's not a bad thing. It has been

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Speaker 4: the best year of my entire life at the same

388
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Speaker 4: time as one of the worst. Yeah, so like best year.

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Speaker 2: I am a mom.

390
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Speaker 4: Do you know how obsessed I am with my kid?

391
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Speaker 4: Like I was born to be a mom. This is

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Speaker 4: the best. Like I could not sell it to you

393
00:16:48,560 --> 00:16:51,120
Speaker 4: harder beck, Like, I'm not saying that it's very everybody,

394
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Speaker 4: because someone the other day was like, I don't know,

395
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Speaker 4: I'm sitting on the fence about having a baby, and

396
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Speaker 4: I was like, don't do it. Yeah, like it's the

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Speaker 4: best thing that's ever happened to me. But it does

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Speaker 4: change your life. Yeah, it doesn't mean like in a

399
00:17:01,280 --> 00:17:03,720
Speaker 4: philosophical like oh my god, it's life changing way, Like

400
00:17:03,880 --> 00:17:07,480
Speaker 4: literally every single day looks very different to what it

401
00:17:07,520 --> 00:17:10,520
Speaker 4: did twelve months ago. Like my entire life revolves around

402
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Speaker 4: this tiny human and I don't want it anyway, yel like,

403
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Speaker 4: I don't want to change that. It's a big decision.

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Speaker 2: You gotta want it.

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Speaker 4: Then, on the flip side, oh my lord, business life

406
00:17:19,359 --> 00:17:22,760
Speaker 4: is hard, Like you know, I'm not going to get

407
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Speaker 4: too far into it, but I had a business partner

408
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Speaker 4: leave and that was obviously incredibly challenging. Finding that out

409
00:17:30,320 --> 00:17:34,520
Speaker 4: when I was very, very pregnant was not great. Having

410
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Speaker 4: to take over a business when I had a literal

411
00:17:37,480 --> 00:17:43,679
Speaker 4: newborn was incredibly challenging. All of those things could have

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Speaker 4: been avoided with some good planning and communication. But you

413
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Speaker 4: get what you get, and you don't get upset.

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Speaker 2: Do you bet? Well, that's exactly right. It is what

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Speaker 2: it is. I feel like we've just barely scraped the

416
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Speaker 2: surface because it has been such a ride for you.

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Speaker 2: But we have a lot of reflecting to do. Come back,

418
00:18:00,440 --> 00:18:02,520
Speaker 2: I want to dive into some of the biggest curve

419
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Speaker 2: balls of your year and hear what you've learned of

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Speaker 2: my year. Yeah, alright, I'm strapping in. I mean, I

421
00:18:08,040 --> 00:18:09,919
Speaker 2: might have one or two. I don't think I do. Actually,

422
00:18:10,200 --> 00:18:16,640
Speaker 2: don't go anywhere. Welcome back everyone, before the break, We're

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Speaker 2: chatting about all the incredible things you've tackled this year. V.

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00:18:19,160 --> 00:18:21,880
Speaker 2: But let's get into the juicy stuff. What'd you see stuff?

425
00:18:21,920 --> 00:18:24,879
Speaker 2: If you got to bring to the table, you just

426
00:18:24,880 --> 00:18:28,440
Speaker 2: got a hot girlfriend. I'm so good at life. I'm thick.

427
00:18:28,560 --> 00:18:31,080
Speaker 2: So you lucked out this year. I did, like out

428
00:18:31,320 --> 00:18:33,119
Speaker 2: was my redundant though. Yeah, but then you got a

429
00:18:33,119 --> 00:18:34,960
Speaker 2: better job. I did get a better job. And I

430
00:18:35,040 --> 00:18:36,399
Speaker 2: probably said this already on the show, but I was

431
00:18:36,440 --> 00:18:38,800
Speaker 2: like sitting in like my cart, I just kind of

432
00:18:38,800 --> 00:18:41,040
Speaker 2: like felt defeat. I didn't have any petrol to drive home.

433
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Speaker 2: I didn't have the money. I didn't want to be

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Speaker 2: that person, and I was just like I said in

435
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Speaker 2: my card, I cried, tell me about this. Oh I'm

436
00:18:48,400 --> 00:18:51,119
Speaker 2: so sorry. Yeah, just breaks my heart. I think that

437
00:18:51,240 --> 00:18:53,159
Speaker 2: was my curve ball was just like I'm good at

438
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Speaker 2: being broke. I've been broke for a long time. Like

439
00:18:55,800 --> 00:18:56,560
Speaker 2: not having much money.

440
00:18:56,600 --> 00:18:59,399
Speaker 4: It's a bit different when you're like, yeah, thanks, it changed.

441
00:18:59,520 --> 00:19:01,879
Speaker 2: This was because it was like there is no money

442
00:19:01,880 --> 00:19:05,840
Speaker 2: coming and there is no money left. And I was

443
00:19:05,840 --> 00:19:08,280
Speaker 2: like I always borrow money from my friends, but at

444
00:19:08,280 --> 00:19:11,800
Speaker 2: this point, like my one friend who lived she had

445
00:19:11,880 --> 00:19:13,520
Speaker 2: no money either, So we were kind of borrowing from

446
00:19:13,560 --> 00:19:15,359
Speaker 2: each other at this point, and so I had nothing

447
00:19:15,440 --> 00:19:18,040
Speaker 2: left and I was like, oh my god, I don't

448
00:19:18,080 --> 00:19:19,480
Speaker 2: know what to do. I ended up calling my mom,

449
00:19:19,480 --> 00:19:20,879
Speaker 2: which was lovely, and I was like, Okay, I've got

450
00:19:20,920 --> 00:19:22,640
Speaker 2: Petrov get home, and now I'm just gonna like see

451
00:19:22,680 --> 00:19:25,760
Speaker 2: my life. So I was probably honestly, the reduci was

452
00:19:25,760 --> 00:19:28,080
Speaker 2: my curve ball and I wanted only I'm very grateful

453
00:19:28,119 --> 00:19:28,840
Speaker 2: to say that was all.

454
00:19:28,920 --> 00:19:31,200
Speaker 4: But then what happened because we need to like and

455
00:19:31,320 --> 00:19:34,240
Speaker 4: it was like around twenty jobs, twenty jobs.

456
00:19:34,280 --> 00:19:36,600
Speaker 2: I do video producing on the side. I have this job,

457
00:19:36,600 --> 00:19:38,399
Speaker 2: which I'm very grateful for. I just went back to

458
00:19:38,440 --> 00:19:41,080
Speaker 2: the same company and better pay, better job, you know,

459
00:19:41,119 --> 00:19:41,800
Speaker 2: all the good stuff.

460
00:19:41,880 --> 00:19:43,760
Speaker 4: So she's got two side hustles and a full time.

461
00:19:44,119 --> 00:19:47,080
Speaker 2: Yeah, glow up of the year. I think you said it,

462
00:19:47,240 --> 00:19:49,359
Speaker 2: but vat back to you. Was there a moment this

463
00:19:49,440 --> 00:19:51,919
Speaker 2: year where you took a risk or just followed your

464
00:19:51,920 --> 00:19:53,640
Speaker 2: a gut on something and it ended up paying off

465
00:19:53,640 --> 00:19:54,040
Speaker 2: big time.

466
00:19:55,240 --> 00:19:57,720
Speaker 4: I feel like I should be giving fluffy answers here

467
00:19:57,720 --> 00:19:59,760
Speaker 4: because I'm like the Real Ants series a bit juicy

468
00:20:00,080 --> 00:20:04,720
Speaker 4: gossy tell us. I'm trying to think of something less

469
00:20:04,920 --> 00:20:06,879
Speaker 4: juicy gossy, but like, you know what, I have the

470
00:20:06,920 --> 00:20:07,639
Speaker 4: juicy gossy.

471
00:20:07,880 --> 00:20:10,439
Speaker 2: I haven't done anything that I am not proud of.

472
00:20:10,520 --> 00:20:15,119
Speaker 4: I have treated every situation with sometimes the kindness it

473
00:20:15,160 --> 00:20:19,280
Speaker 4: did not deserve, sure, and the grace that if anyone

474
00:20:19,320 --> 00:20:21,600
Speaker 4: were to say anything bad about me, they would simply

475
00:20:21,600 --> 00:20:24,200
Speaker 4: know that that wasn't the case. Like, I just am

476
00:20:24,359 --> 00:20:26,359
Speaker 4: very proud of the way that I have dealt with

477
00:20:26,400 --> 00:20:28,600
Speaker 4: a lot of things that have happened this year, because

478
00:20:28,760 --> 00:20:32,200
Speaker 4: I could have been a nasty pasty and I wasn't.

479
00:20:32,400 --> 00:20:33,280
Speaker 2: Well, I'm very proud of you.

480
00:20:33,320 --> 00:20:35,399
Speaker 4: Not that I would be, but a lot of people

481
00:20:35,400 --> 00:20:37,919
Speaker 4: in my situation, I think would have been like bury it,

482
00:20:38,040 --> 00:20:40,440
Speaker 4: do this, do that? Like I've gone a bit savage.

483
00:20:40,920 --> 00:20:42,400
Speaker 4: I want to be able to look back on it,

484
00:20:42,760 --> 00:20:44,760
Speaker 4: and if I were sitting at the table with somebody,

485
00:20:44,800 --> 00:20:47,320
Speaker 4: I can say I actually carried myself with ultimate grace,

486
00:20:47,400 --> 00:20:49,600
Speaker 4: ultimate kindness, and you cannot say the same thing. And

487
00:20:49,640 --> 00:20:53,640
Speaker 4: I think that that is what helps me, or has

488
00:20:53,680 --> 00:20:55,440
Speaker 4: helped me get through a lot of this. I'm like,

489
00:20:55,480 --> 00:20:57,159
Speaker 4: do you know what I killed it with kindness? I

490
00:20:57,160 --> 00:20:59,720
Speaker 4: did so well? Yeah, And I guess one of the

491
00:20:59,720 --> 00:21:04,159
Speaker 4: big risks I took on this year was I purchased

492
00:21:05,440 --> 00:21:08,440
Speaker 4: half of my mortgage broking business back off a business

493
00:21:08,480 --> 00:21:11,600
Speaker 4: partner that I had that was not the right fit.

494
00:21:11,760 --> 00:21:14,200
Speaker 4: It just wasn't working out. Wasn't the right.

495
00:21:14,040 --> 00:21:15,760
Speaker 2: Fit, that is all I will say.

496
00:21:16,600 --> 00:21:21,480
Speaker 4: And purchasing that back was a choice that was kind

497
00:21:21,480 --> 00:21:24,200
Speaker 4: of forced, if that makes sense. Like they were leaving.

498
00:21:24,920 --> 00:21:28,320
Speaker 4: It wasn't an option for them to stay. And at

499
00:21:28,320 --> 00:21:30,359
Speaker 4: that time, I had the choice. I could have hired

500
00:21:30,400 --> 00:21:32,920
Speaker 4: someone to take on that role, right. I could have said,

501
00:21:32,960 --> 00:21:35,639
Speaker 4: all right, I'm just going to go hire an external person,

502
00:21:35,640 --> 00:21:38,520
Speaker 4: maybe like an office manager or like you know, a

503
00:21:38,560 --> 00:21:41,360
Speaker 4: managing director or someone to come in and run that business.

504
00:21:41,400 --> 00:21:44,000
Speaker 4: We had the funds to do so. But I think

505
00:21:44,080 --> 00:21:47,160
Speaker 4: that I could just see that the way the business

506
00:21:47,280 --> 00:21:49,440
Speaker 4: was running was not the way I wanted it to run.

507
00:21:49,920 --> 00:21:53,080
Speaker 4: And nobody is you, right, Like, if I wanted to

508
00:21:53,160 --> 00:21:55,000
Speaker 4: run the way that I wanted to run, I have

509
00:21:55,160 --> 00:21:57,399
Speaker 4: to frigg and run it. I have to jump in

510
00:21:57,480 --> 00:21:59,880
Speaker 4: and do this and do that. And so I made

511
00:22:00,160 --> 00:22:05,960
Speaker 4: decision to take on, with a newborn baby, a full

512
00:22:06,000 --> 00:22:09,080
Speaker 4: time job. And I am very grateful for my husband

513
00:22:09,160 --> 00:22:11,760
Speaker 4: and the team and literally everybody who's afforded me the

514
00:22:11,760 --> 00:22:13,040
Speaker 4: flexibility to be able.

515
00:22:12,800 --> 00:22:13,239
Speaker 2: To do that.

516
00:22:13,400 --> 00:22:16,840
Speaker 4: But I have taken over the whole mortgage broking business

517
00:22:16,920 --> 00:22:19,880
Speaker 4: and it is flying now, like it is exactly where

518
00:22:19,920 --> 00:22:22,359
Speaker 4: I wanted it to be. Like we are starting twenty

519
00:22:22,400 --> 00:22:25,600
Speaker 4: twenty five with more team members than we had at

520
00:22:25,600 --> 00:22:29,200
Speaker 4: this time last year. We've hired some incredible brokers. I

521
00:22:29,240 --> 00:22:30,679
Speaker 4: don't know how do I explain it. I feel like

522
00:22:30,720 --> 00:22:33,480
Speaker 4: the universe sometimes knows what you need, and I'd be like,

523
00:22:33,520 --> 00:22:36,600
Speaker 4: I really want this like personality in my business and

524
00:22:36,640 --> 00:22:38,919
Speaker 4: someone who's good at XYZ, and then all of a sudden,

525
00:22:39,000 --> 00:22:41,720
Speaker 4: like for example, earlier this year, I was like, far out,

526
00:22:41,760 --> 00:22:44,639
Speaker 4: I really like to find somebody who's good at like

527
00:22:44,680 --> 00:22:48,160
Speaker 4: commercial loans. So like we obviously specialize in mortgage broking,

528
00:22:48,160 --> 00:22:49,800
Speaker 4: but we're always getting asked like, hey, v do you

529
00:22:49,840 --> 00:22:52,960
Speaker 4: do commercial I was like yeah, like we technically can,

530
00:22:53,040 --> 00:22:56,000
Speaker 4: but we don't have a specialist. And the perfect person

531
00:22:56,119 --> 00:22:58,119
Speaker 4: just turns up and I was like, oh, I'd love

532
00:22:58,160 --> 00:23:00,439
Speaker 4: to work for Zella and I was like sorry, what, Like, HI,

533
00:23:00,720 --> 00:23:03,760
Speaker 4: come this way. So that has been really good, and

534
00:23:03,800 --> 00:23:07,000
Speaker 4: I think that the biggest risk was obviously taking that

535
00:23:07,119 --> 00:23:11,600
Speaker 4: role on. But also I'm not a mortgage broker. So

536
00:23:11,640 --> 00:23:16,680
Speaker 4: I'm a non mortgage broker running a relatively large sized

537
00:23:16,720 --> 00:23:20,160
Speaker 4: mortgage broking business all on my own. That's a risk,

538
00:23:20,600 --> 00:23:25,080
Speaker 4: it's extremely mass risky, and it's working out so far.

539
00:23:25,160 --> 00:23:27,120
Speaker 4: And I feel like I just knew in my gart

540
00:23:27,880 --> 00:23:30,080
Speaker 4: enough is enough. I can do this all on my own.

541
00:23:30,160 --> 00:23:31,639
Speaker 4: I don't need anybody else.

542
00:23:31,760 --> 00:23:32,040
Speaker 2: Yep.

543
00:23:32,440 --> 00:23:33,440
Speaker 4: And it's never been better.

544
00:23:33,960 --> 00:23:34,399
Speaker 2: I love that.

545
00:23:34,800 --> 00:23:36,480
Speaker 4: Is that bad? Is that too juicy or gossip? I

546
00:23:36,520 --> 00:23:39,120
Speaker 4: don't know if it's just just what it is right, Like.

547
00:23:39,680 --> 00:23:43,560
Speaker 2: If you had known back when you're starting Zella what

548
00:23:43,680 --> 00:23:46,639
Speaker 2: you know now, if you had the resources and the

549
00:23:46,640 --> 00:23:49,560
Speaker 2: capacity and all this stuff, everything was perfect, would you

550
00:23:49,600 --> 00:23:51,480
Speaker 2: have gone in alone or still?

551
00:23:51,520 --> 00:23:54,160
Speaker 4: Well, I did, I did so I started this business

552
00:23:54,200 --> 00:23:57,520
Speaker 4: myself in twenty seventeen. So I started in twenty seventeen

553
00:23:57,560 --> 00:24:01,320
Speaker 4: as a financial advice business and ran it on my own,

554
00:24:01,680 --> 00:24:04,280
Speaker 4: did all of that fun stuff. Had mortgage brokers working

555
00:24:04,400 --> 00:24:06,720
Speaker 4: for me, but I also have my financial advice team

556
00:24:06,720 --> 00:24:09,639
Speaker 4: when I was working as a financial advisor. In September

557
00:24:09,680 --> 00:24:13,479
Speaker 4: twenty twenty two, I sold the financial advice of the business,

558
00:24:13,480 --> 00:24:16,360
Speaker 4: so I kept owning Zella. I still had a mortgage

559
00:24:16,359 --> 00:24:19,840
Speaker 4: broking business. And I sold the financial advice business because

560
00:24:19,920 --> 00:24:22,879
Speaker 4: I knew I was getting married two months after that,

561
00:24:23,280 --> 00:24:25,920
Speaker 4: and I knew I wanted babies, and like something had

562
00:24:25,960 --> 00:24:28,360
Speaker 4: to give, right, Like I cannot run a big financial

563
00:24:28,359 --> 00:24:31,800
Speaker 4: advice business where I was the main advisor and have

564
00:24:31,920 --> 00:24:34,760
Speaker 4: a podcast and have mortgage broking and do all of

565
00:24:34,760 --> 00:24:38,040
Speaker 4: the stuff that I do, right, So sold that and

566
00:24:38,119 --> 00:24:40,280
Speaker 4: decided at about that time I would bring in a

567
00:24:40,359 --> 00:24:43,760
Speaker 4: business partner to look after my mortgage broking business, at

568
00:24:43,760 --> 00:24:46,520
Speaker 4: which point that kind of was established as a brand

569
00:24:46,520 --> 00:24:49,520
Speaker 4: new entity to make sure that everything was clean and good.

570
00:24:49,800 --> 00:24:52,160
Speaker 4: That's the business partner that's left. So it wasn't somebody

571
00:24:52,200 --> 00:24:55,200
Speaker 4: who established Zella with me. It was someone who technically

572
00:24:55,240 --> 00:24:58,399
Speaker 4: worked and was employed by Zella, but also had a

573
00:24:58,440 --> 00:25:03,040
Speaker 4: shareholding in the business. Understand, Okay, So then they exited,

574
00:25:03,080 --> 00:25:05,600
Speaker 4: so I was technically the owner of like all of

575
00:25:05,640 --> 00:25:06,399
Speaker 4: the other stuff.

576
00:25:06,440 --> 00:25:09,200
Speaker 2: So it's not like I would have quote lost my business.

577
00:25:09,520 --> 00:25:12,119
Speaker 2: It was intertwined or two tangle. No.

578
00:25:12,119 --> 00:25:14,359
Speaker 4: No, And that's what a good shareholders agreement will do

579
00:25:14,440 --> 00:25:14,639
Speaker 4: for you.

580
00:25:14,760 --> 00:25:16,959
Speaker 2: Gosh, she's good. So were there any moments this year

581
00:25:17,000 --> 00:25:18,720
Speaker 2: where things like, I know, this is kind of what

582
00:25:18,760 --> 00:25:22,080
Speaker 2: we're talking about but like digital plan or obviously that

583
00:25:22,320 --> 00:25:25,400
Speaker 2: y yes, but like business podcasts or life.

584
00:25:25,119 --> 00:25:29,080
Speaker 4: And everything, you can never plan anything, know, like you

585
00:25:29,080 --> 00:25:32,880
Speaker 4: can plan to the nth degree, right, but that doesn't

586
00:25:32,920 --> 00:25:35,560
Speaker 4: mean that your plan is going to work out. So

587
00:25:35,600 --> 00:25:37,479
Speaker 4: I think just being flexible and going like all right,

588
00:25:37,480 --> 00:25:38,439
Speaker 4: well what can we do instead?

589
00:25:38,520 --> 00:25:39,640
Speaker 2: Or all right, no worries.

590
00:25:39,720 --> 00:25:44,400
Speaker 4: Like in our industry there is always changing moving parts,

591
00:25:44,520 --> 00:25:48,600
Speaker 4: like the way algorithms work, the way podcast measurement works,

592
00:25:48,640 --> 00:25:53,439
Speaker 4: the way things actually eventuate. It's always changing. And whether

593
00:25:53,480 --> 00:25:55,520
Speaker 4: that is you know, oh far out, you know in

594
00:25:55,520 --> 00:25:58,239
Speaker 4: a couple of weeks, you know, Spotify are doing this,

595
00:25:58,640 --> 00:26:01,320
Speaker 4: you know, highlight on a particular topic, so I want

596
00:26:01,359 --> 00:26:03,520
Speaker 4: to make sure that my topic kind of aligns. Like

597
00:26:03,680 --> 00:26:06,800
Speaker 4: you will change your podcast plan all the way through

598
00:26:06,840 --> 00:26:10,720
Speaker 4: to changing staff members and whatnot, like you just roll

599
00:26:10,760 --> 00:26:12,880
Speaker 4: with the punches. I feel, yeah, I feel like we're

600
00:26:12,880 --> 00:26:15,439
Speaker 4: all just making it up. Still absolutely, And also you

601
00:26:15,520 --> 00:26:17,280
Speaker 4: just adapt, don't you just just do what you got

602
00:26:17,320 --> 00:26:18,640
Speaker 4: to do, but always lead with.

603
00:26:18,640 --> 00:26:21,120
Speaker 2: Kindness is the plan that's gorgeous.

604
00:26:21,440 --> 00:26:23,440
Speaker 4: I don't know if it is just like do good,

605
00:26:23,440 --> 00:26:27,240
Speaker 4: be good, Like I can't imagine telling my grandma something

606
00:26:27,280 --> 00:26:28,800
Speaker 4: that I wasn't proud of you know, if I can't,

607
00:26:28,960 --> 00:26:30,359
Speaker 4: if I couldn't tell my nana.

608
00:26:30,440 --> 00:26:32,600
Speaker 2: Shouldn't be doing it? Should you? Oh that's a really

609
00:26:32,600 --> 00:26:35,560
Speaker 2: good way to look at it. Now she's in the money.

610
00:26:35,800 --> 00:26:37,760
Speaker 2: Oh yeah, I've heard of that. Have you heard of

611
00:26:37,760 --> 00:26:38,320
Speaker 2: that podcast?

612
00:26:38,440 --> 00:26:38,920
Speaker 4: Nah?

613
00:26:38,960 --> 00:26:40,920
Speaker 2: It's grown so much this year and the community feels

614
00:26:40,960 --> 00:26:43,240
Speaker 2: stronger than ever I feel. So, was there a piece

615
00:26:43,240 --> 00:26:45,399
Speaker 2: of feedback or a moment with a listener that really

616
00:26:45,440 --> 00:26:46,040
Speaker 2: stuck with you?

617
00:26:46,400 --> 00:26:49,879
Speaker 4: I want to say yes, and I want to say no, Sure,

618
00:26:50,520 --> 00:26:54,040
Speaker 4: is that bad? No? It probably is because there's been

619
00:26:54,119 --> 00:26:56,680
Speaker 4: so many of them. So it's not just like one

620
00:26:56,760 --> 00:26:59,399
Speaker 4: moment that I'm like, this is the moment that I remember.

621
00:26:59,480 --> 00:27:01,240
Speaker 2: It's like a collection. It's like.

622
00:27:02,680 --> 00:27:05,080
Speaker 4: A whole heap of like little memories from you know,

623
00:27:05,240 --> 00:27:08,679
Speaker 4: doing money diaries and you know, jumping on zoom to

624
00:27:08,840 --> 00:27:10,840
Speaker 4: record and then being like hey, just before we jump in.

625
00:27:10,880 --> 00:27:12,320
Speaker 4: I just want to say that, like, my entire life

626
00:27:12,320 --> 00:27:14,520
Speaker 4: has changed because if she's on the money, quite what

627
00:27:15,119 --> 00:27:17,680
Speaker 4: running into people at the zoop market and they're like, hey,

628
00:27:17,760 --> 00:27:19,680
Speaker 4: you're Victoria, aren't you, And I'd be like, oh, yeah,

629
00:27:19,720 --> 00:27:22,840
Speaker 4: I yes, I'm all my husband's track pants and they're like,

630
00:27:22,960 --> 00:27:25,520
Speaker 4: oh my god, I am only good at money because

631
00:27:25,560 --> 00:27:26,960
Speaker 4: you taught me how to. And I got out of

632
00:27:27,040 --> 00:27:29,000
Speaker 4: zip pay. Like I was at an event and a

633
00:27:29,000 --> 00:27:30,560
Speaker 4: girl came up to me. She's like, I'm so sorry

634
00:27:30,640 --> 00:27:32,040
Speaker 4: to do this is so weird, but I just need

635
00:27:32,080 --> 00:27:33,800
Speaker 4: you to know that. Like I was in so much

636
00:27:33,840 --> 00:27:35,879
Speaker 4: personal debt that I was about to file for bankruptcy

637
00:27:35,920 --> 00:27:37,200
Speaker 4: and because of your podcast, I didn't.

638
00:27:37,240 --> 00:27:38,600
Speaker 2: That's incredby. Isn't that sick?

639
00:27:38,720 --> 00:27:41,760
Speaker 4: Yeah, Like message us every day with their like money

640
00:27:41,800 --> 00:27:43,080
Speaker 4: wins and confessions.

641
00:27:42,560 --> 00:27:43,959
Speaker 2: And I don't want you to stop.

642
00:27:44,080 --> 00:27:46,560
Speaker 4: Like it's my favorite part of our community is not

643
00:27:46,600 --> 00:27:48,920
Speaker 4: just sharing, but the fact that we have an impact.

644
00:27:49,040 --> 00:27:51,600
Speaker 4: And I think is there one moment, No, because they're

645
00:27:51,640 --> 00:27:56,119
Speaker 4: all so special in their own way, but I think it's, yeah,

646
00:27:56,160 --> 00:27:59,400
Speaker 4: just this idea that we help you create the life

647
00:27:59,440 --> 00:28:02,800
Speaker 4: you deserve. I know this question was not directed to

648
00:28:02,800 --> 00:28:05,280
Speaker 4: me at all, but I just feel like when I

649
00:28:05,320 --> 00:28:07,920
Speaker 4: was asked to do this, I was like, this isn't

650
00:28:07,960 --> 00:28:09,680
Speaker 4: gonna last long. I don't know anything about money, and

651
00:28:09,720 --> 00:28:12,120
Speaker 4: which is good, that's what I need. But like it's

652
00:28:12,119 --> 00:28:12,680
Speaker 4: just incredible.

653
00:28:12,680 --> 00:28:15,359
Speaker 2: And so people will sometimes message me to tell me

654
00:28:15,400 --> 00:28:17,760
Speaker 2: that they enjoy me on the podcast or even when

655
00:28:17,760 --> 00:28:18,960
Speaker 2: people send me their Brogue tips.

656
00:28:18,960 --> 00:28:21,920
Speaker 4: I'm like, it's almost like actually capable.

657
00:28:22,080 --> 00:28:26,119
Speaker 2: Yeah, like you see me and you value the role

658
00:28:26,160 --> 00:28:29,679
Speaker 2: that I play on this show. I'm literally in chills

659
00:28:29,680 --> 00:28:35,000
Speaker 2: onto it. It's like that is so so cool. Yeah,

660
00:28:35,040 --> 00:28:37,000
Speaker 2: I just think we have an incredible community and I.

661
00:28:36,920 --> 00:28:40,000
Speaker 4: Love our community. But like it's because you show up

662
00:28:40,120 --> 00:28:41,040
Speaker 4: is exactly who.

663
00:28:40,840 --> 00:28:42,160
Speaker 2: You are, and that's what we want.

664
00:28:42,280 --> 00:28:43,960
Speaker 4: Like I don't want you to be pretending to be

665
00:28:44,040 --> 00:28:46,120
Speaker 4: somebody else, so like trying to be good at money

666
00:28:46,120 --> 00:28:46,720
Speaker 4: for the show.

667
00:28:47,400 --> 00:28:50,000
Speaker 2: No, everyone is welcome here. That is really really cool.

668
00:28:50,040 --> 00:28:52,120
Speaker 2: I love love that. Thank you for sharing that. That's

669
00:28:52,160 --> 00:28:57,480
Speaker 2: so cool. See you. Oh my god. You've mentioned before

670
00:28:57,520 --> 00:29:00,240
Speaker 2: about how becoming a mum has shifted your perspective. If

671
00:29:00,400 --> 00:29:01,680
Speaker 2: do you feel like it has changed the way you

672
00:29:01,680 --> 00:29:03,200
Speaker 2: approach your goals or your time.

673
00:29:03,760 --> 00:29:06,040
Speaker 4: I want to say yes and no. I feel like

674
00:29:06,040 --> 00:29:08,959
Speaker 4: I've done that to every question you've had. I'm like, yeah, nah,

675
00:29:09,880 --> 00:29:13,120
Speaker 4: and why does it It's not from a business perspective, No,

676
00:29:13,920 --> 00:29:16,840
Speaker 4: it has just motivated me to do more and be more.

677
00:29:17,440 --> 00:29:20,120
Speaker 4: Like I just go, oh, there's so much more I

678
00:29:20,160 --> 00:29:22,760
Speaker 4: want to do, and like I'm motivated now in a

679
00:29:22,760 --> 00:29:26,239
Speaker 4: way that I wasn't before my time. I think I

680
00:29:26,280 --> 00:29:30,400
Speaker 4: am more defensive of it. Yeah, So like before, if

681
00:29:30,440 --> 00:29:33,000
Speaker 4: you said, Harvey, I know you don't work on Mondays,

682
00:29:33,000 --> 00:29:34,480
Speaker 4: but could you come in and do a half day.

683
00:29:34,400 --> 00:29:37,160
Speaker 2: Record, I'd be like, yeah, no worries, Like that's so fine. Beck.

684
00:29:37,520 --> 00:29:39,640
Speaker 4: If you ask me now to do something on a Monday,

685
00:29:39,640 --> 00:29:42,560
Speaker 4: I'll be like absolutely, not, absolutely and absolutely not. That's

686
00:29:42,560 --> 00:29:45,160
Speaker 4: actually my time with Harvey. And that's I told you

687
00:29:45,240 --> 00:29:46,360
Speaker 4: that was my time with Harvey.

688
00:29:46,440 --> 00:29:46,959
Speaker 2: Respect it.

689
00:29:47,360 --> 00:29:51,880
Speaker 4: I'm flexible, but I do prioritize him and his well being,

690
00:29:52,120 --> 00:29:55,800
Speaker 4: and I think that that's the bare minimum of being

691
00:29:55,800 --> 00:29:58,760
Speaker 4: a parent. But then also it's like this inherent like

692
00:29:58,920 --> 00:30:01,800
Speaker 4: I want him to reflect on his childhood and be like,

693
00:30:01,840 --> 00:30:03,440
Speaker 4: far out it was such a good child. Like I'm

694
00:30:03,480 --> 00:30:07,040
Speaker 4: obsessed with being a mum and being his mum. And

695
00:30:07,800 --> 00:30:11,480
Speaker 4: I think it has definitely shifted my perspective in terms

696
00:30:11,480 --> 00:30:13,680
Speaker 4: of like what that work life balance looks like and

697
00:30:13,720 --> 00:30:15,720
Speaker 4: being a little bit more aggressive about.

698
00:30:15,440 --> 00:30:17,480
Speaker 2: Protecting it, protecting a piece.

699
00:30:17,560 --> 00:30:19,440
Speaker 4: But I think a lot of people had said to

700
00:30:19,480 --> 00:30:21,320
Speaker 4: me when I was pregnant or even before I had

701
00:30:21,320 --> 00:30:23,200
Speaker 4: a baby, they're like, just wait until you have baby.

702
00:30:23,000 --> 00:30:24,440
Speaker 2: Because like your priorities will shift.

703
00:30:24,840 --> 00:30:26,560
Speaker 4: And I feel like they were saying that in a

704
00:30:26,560 --> 00:30:28,360
Speaker 4: way that it was like, oh, you won't care so

705
00:30:28,440 --> 00:30:32,320
Speaker 4: much about work, or you you know, won't love doing X,

706
00:30:32,400 --> 00:30:34,720
Speaker 4: Y Z as much. I think I've been very lucky

707
00:30:34,800 --> 00:30:37,440
Speaker 4: and very supported in becoming a mum that I still

708
00:30:37,480 --> 00:30:41,440
Speaker 4: love what I loved before. I can understand when people

709
00:30:41,480 --> 00:30:44,200
Speaker 4: say I became a mum and I lost myself. But

710
00:30:44,520 --> 00:30:47,280
Speaker 4: I think I became a mum and I was really

711
00:30:47,320 --> 00:30:49,960
Speaker 4: reinforced in who I was. But that's not saying that,

712
00:30:50,280 --> 00:30:53,120
Speaker 4: you know, other people don't go through that. I think

713
00:30:53,840 --> 00:30:56,320
Speaker 4: I was really worried about that. But I also think

714
00:30:56,360 --> 00:30:58,040
Speaker 4: before I became a mum, I was quite clear on

715
00:30:58,080 --> 00:31:00,120
Speaker 4: my goals and like my career and what was its

716
00:31:00,160 --> 00:31:03,520
Speaker 4: important to me. And I was really worried because people

717
00:31:03,840 --> 00:31:07,440
Speaker 4: make parenting sometimes sound awful. They're like, oh my god,

718
00:31:07,680 --> 00:31:09,760
Speaker 4: just wait until you don't get any sleep, Just wait

719
00:31:09,840 --> 00:31:11,960
Speaker 4: until you walk into daycare and pick them up, and

720
00:31:12,040 --> 00:31:14,040
Speaker 4: like their smile is the biggest thing in the room,

721
00:31:14,240 --> 00:31:15,640
Speaker 4: Like do you know what I mean? Like, I think

722
00:31:15,640 --> 00:31:19,800
Speaker 4: that there are so many people who think that you

723
00:31:19,840 --> 00:31:22,320
Speaker 4: can't do it. All or have it all, but they

724
00:31:22,320 --> 00:31:23,880
Speaker 4: don't realize you just can't do it all or have

725
00:31:23,920 --> 00:31:26,840
Speaker 4: it all at once. And I think it's about shifting perspective.

726
00:31:27,360 --> 00:31:29,680
Speaker 4: There's just a lot of people that would say, Oh,

727
00:31:29,680 --> 00:31:32,160
Speaker 4: I could never have a career be like you do

728
00:31:32,520 --> 00:31:34,600
Speaker 4: and put my kid in daycare. Do you know how

729
00:31:34,640 --> 00:31:36,880
Speaker 4: much better I am as a mum because of daycare?

730
00:31:36,920 --> 00:31:38,240
Speaker 4: Do you know how much better I am as a

731
00:31:38,320 --> 00:31:42,239
Speaker 4: mum because I have a career that nourishes me. If

732
00:31:42,280 --> 00:31:44,200
Speaker 4: you don't want that, like you do you as you know,

733
00:31:44,320 --> 00:31:46,320
Speaker 4: I couldn't care less what you do as long as

734
00:31:46,360 --> 00:31:48,120
Speaker 4: you're happy, like if you want to be stay at

735
00:31:48,120 --> 00:31:51,320
Speaker 4: home mum slate like I used to think that was

736
00:31:51,360 --> 00:31:55,240
Speaker 4: something that I would love. But I adore my job.

737
00:31:55,360 --> 00:31:57,720
Speaker 4: I adore what I do and what I get to do,

738
00:31:58,000 --> 00:32:01,400
Speaker 4: and daycare is just part of my village absolutely, And

739
00:32:01,600 --> 00:32:04,160
Speaker 4: you just feel happy and satisfied and fulfilled in your

740
00:32:04,200 --> 00:32:07,200
Speaker 4: everyday life, then you're going to be way happier. I

741
00:32:07,240 --> 00:32:08,760
Speaker 4: want him to see that, and I hope that that

742
00:32:08,840 --> 00:32:12,000
Speaker 4: work ethic rubs off on him and he then finds

743
00:32:12,040 --> 00:32:14,880
Speaker 4: his passion and that I don't know, I think that

744
00:32:14,880 --> 00:32:19,560
Speaker 4: that's how my perspective has shifted because it's not necessarily

745
00:32:19,560 --> 00:32:22,120
Speaker 4: the way I view things, because I genuinely thought that

746
00:32:22,200 --> 00:32:27,120
Speaker 4: everything would change and it just didn't. Yeah, but I

747
00:32:27,160 --> 00:32:29,480
Speaker 4: think it's just I've become a little bit more defensive

748
00:32:29,520 --> 00:32:30,960
Speaker 4: about the time that I have and the way I

749
00:32:30,960 --> 00:32:32,680
Speaker 4: want to spend that time and how I want that

750
00:32:32,720 --> 00:32:33,080
Speaker 4: to work.

751
00:32:33,120 --> 00:32:35,600
Speaker 2: Gorgeous. If you thought for.

752
00:32:35,560 --> 00:32:37,480
Speaker 4: A hot second, yeah, that I wasn't going to turn

753
00:32:37,480 --> 00:32:42,680
Speaker 4: the tables though on this entire show, you were wrong. Sure,

754
00:32:43,920 --> 00:32:45,840
Speaker 4: Like you use this whole episode to ask me the

755
00:32:45,880 --> 00:32:48,840
Speaker 4: big questions. So I think it's time to put you

756
00:32:48,880 --> 00:32:50,920
Speaker 4: in the hot seat. So strappy and buckle up. You

757
00:32:50,960 --> 00:32:54,280
Speaker 4: are absolutely in trouble. No, okay, let's go. I want

758
00:32:54,280 --> 00:32:56,880
Speaker 4: to hear about your year, your moments, and maybe some

759
00:32:57,040 --> 00:33:00,880
Speaker 4: financial confessions. I feel like you've confessed every day on

760
00:33:00,920 --> 00:33:05,120
Speaker 4: this podcast, though, so let's go. You've been diving headfirst

761
00:33:05,200 --> 00:33:07,720
Speaker 4: into the world of finance this year. Yes, what do

762
00:33:07,720 --> 00:33:09,720
Speaker 4: you think has been the most surprising or like game

763
00:33:09,840 --> 00:33:12,720
Speaker 4: changing thing that you've learned about money that you wish

764
00:33:12,760 --> 00:33:13,360
Speaker 4: you knew sooner?

765
00:33:13,840 --> 00:33:19,680
Speaker 2: I wish I knew that it's possible for people, including

766
00:33:19,720 --> 00:33:23,400
Speaker 2: those who don't start off at the same level and

767
00:33:23,400 --> 00:33:25,320
Speaker 2: they don't have access to like the same things. And

768
00:33:25,360 --> 00:33:28,280
Speaker 2: I completely get that. I grew up with this mindset

769
00:33:28,360 --> 00:33:30,880
Speaker 2: of money that's like once I get a little bit,

770
00:33:30,960 --> 00:33:34,200
Speaker 2: it's gone again. I'm spending it. And this whole year

771
00:33:34,240 --> 00:33:37,440
Speaker 2: I've been the same and I feel like I'm locked in.

772
00:33:37,960 --> 00:33:40,959
Speaker 2: But having chats with my friends and the people who

773
00:33:41,040 --> 00:33:43,880
Speaker 2: care about me and want me to be able to

774
00:33:44,080 --> 00:33:47,000
Speaker 2: change that, I kind of thought like, I don't think

775
00:33:47,040 --> 00:33:50,160
Speaker 2: I have the ability to like why people just saving,

776
00:33:50,280 --> 00:33:53,160
Speaker 2: Like why people just doing this? Why people just motivated

777
00:33:53,160 --> 00:33:56,680
Speaker 2: to do that? But I realized very recently when I

778
00:33:56,720 --> 00:33:59,400
Speaker 2: was explained to my partner. She was like, Hey, we're

779
00:33:59,400 --> 00:34:00,680
Speaker 2: going to go on a hold next you like to

780
00:34:00,680 --> 00:34:02,600
Speaker 2: start saving for it? And I was like, what does

781
00:34:02,600 --> 00:34:04,160
Speaker 2: it look like? I was like, what do you mean?

782
00:34:04,200 --> 00:34:06,040
Speaker 2: Like I usually just get to the part where the

783
00:34:06,080 --> 00:34:09,560
Speaker 2: holiday is and I'm like, oh shit, I've got ass

784
00:34:10,040 --> 00:34:12,760
Speaker 2: or I've got this pay cycle. I'll just not spend

785
00:34:12,920 --> 00:34:15,360
Speaker 2: on anything else, like that's all. I'm never looking for

786
00:34:15,400 --> 00:34:18,080
Speaker 2: the future. But I realized, oh my god. And we

787
00:34:18,120 --> 00:34:20,680
Speaker 2: had a person ride in recently who was like, how

788
00:34:20,719 --> 00:34:22,640
Speaker 2: do I find motivation to save for all these things?

789
00:34:22,640 --> 00:34:24,080
Speaker 2: When I just don't feel it, like what the hell

790
00:34:24,120 --> 00:34:27,160
Speaker 2: am I saving for? I think I'm like that, but

791
00:34:27,360 --> 00:34:31,520
Speaker 2: I've just very very recently shifted that and been like, oh,

792
00:34:31,560 --> 00:34:33,920
Speaker 2: I don't have to save for a house. I'm actually

793
00:34:33,960 --> 00:34:37,760
Speaker 2: saving for experiences, And I'm saving for those moments where

794
00:34:37,840 --> 00:34:39,440
Speaker 2: all my friends want to go to Japan and I

795
00:34:39,440 --> 00:34:41,560
Speaker 2: can do that without feeling stressed. And I'm saving for

796
00:34:41,560 --> 00:34:44,399
Speaker 2: those moments where you have a really good time, good

797
00:34:44,440 --> 00:34:48,560
Speaker 2: time exactly. And I'm saving for next Christmas when I

798
00:34:48,560 --> 00:34:50,640
Speaker 2: can go out and buy all the really nice things

799
00:34:50,640 --> 00:34:53,719
Speaker 2: and make myself feel really cozy. So I realized with

800
00:34:53,880 --> 00:34:56,719
Speaker 2: finances that motivation just wasn't there for me. And I've

801
00:34:56,760 --> 00:34:58,279
Speaker 2: been really bad with money my whole life and I

802
00:34:58,360 --> 00:35:00,000
Speaker 2: probably still will be for a while. And that's where

803
00:35:00,600 --> 00:35:03,160
Speaker 2: we're gonna fix it. But it takes time, right, It's

804
00:35:03,200 --> 00:35:05,480
Speaker 2: not something that you can just turn on. I think

805
00:35:05,520 --> 00:35:07,520
Speaker 2: I just needed to shift the way of thinking, like,

806
00:35:07,600 --> 00:35:11,040
Speaker 2: not everyone just does it. Not everyone can just do it,

807
00:35:11,600 --> 00:35:14,040
Speaker 2: and that's okay. You just got to find a way

808
00:35:14,080 --> 00:35:16,759
Speaker 2: that works for you. And that's where I am right now.

809
00:35:16,840 --> 00:35:18,000
Speaker 2: I love that. Thank you.

810
00:35:18,040 --> 00:35:21,160
Speaker 4: I feel like that is honestly so special because I

811
00:35:21,200 --> 00:35:23,880
Speaker 4: don't think that when you started on the podcast, it

812
00:35:23,920 --> 00:35:25,120
Speaker 4: would have been a mindset that.

813
00:35:25,080 --> 00:35:27,560
Speaker 2: You have exactly, not at all. I have ninety dollars

814
00:35:27,600 --> 00:35:30,080
Speaker 2: and Chezy's as well. I when you do say ninety, yes,

815
00:35:30,120 --> 00:35:32,200
Speaker 2: I have ninety dollars and Cheza's At the moment, that's exciting,

816
00:35:32,239 --> 00:35:35,279
Speaker 2: that is so cool all this. She's an investor.

817
00:35:35,560 --> 00:35:37,600
Speaker 4: I can't believe it, and she's about to become a

818
00:35:37,600 --> 00:35:38,240
Speaker 4: proper saver.

819
00:35:38,640 --> 00:35:42,520
Speaker 2: Who would have thought? I did think, but you did it.

820
00:35:42,680 --> 00:35:44,000
Speaker 2: We've talked a lot about.

821
00:35:43,800 --> 00:35:45,880
Speaker 4: I guess big money wins on the podcast. We always

822
00:35:45,880 --> 00:35:49,319
Speaker 4: talk about money wins every single week. But it's not

823
00:35:49,400 --> 00:35:52,120
Speaker 4: smooth sailing always. Earlier, you said that you had your

824
00:35:52,239 --> 00:35:54,839
Speaker 4: worst moment this year and you're crying in your car.

825
00:35:54,880 --> 00:35:58,320
Speaker 4: Which is the worst? Was that your biggest financial challenge

826
00:35:58,320 --> 00:36:01,000
Speaker 4: of the year? If not, what was How did you

827
00:36:01,040 --> 00:36:01,640
Speaker 4: approach that?

828
00:36:01,719 --> 00:36:01,839
Speaker 1: Like?

829
00:36:01,920 --> 00:36:04,000
Speaker 4: You went home, you got some petrol. But then what

830
00:36:04,640 --> 00:36:05,600
Speaker 4: I know, this probably.

831
00:36:05,280 --> 00:36:08,359
Speaker 2: Sounds weird, but my biggest financial challenge wasn't even the

832
00:36:08,800 --> 00:36:13,239
Speaker 2: financewers because I always have just been like this and

833
00:36:13,280 --> 00:36:15,799
Speaker 2: it's always been okay for me, and I always find

834
00:36:15,800 --> 00:36:18,279
Speaker 2: a way to still go out and see my friends

835
00:36:18,280 --> 00:36:20,440
Speaker 2: and do everything I have to do. The biggest financial

836
00:36:20,520 --> 00:36:24,200
Speaker 2: challenge for me actually came from the people around me

837
00:36:24,280 --> 00:36:28,000
Speaker 2: who cared so much and they wanted to see changing

838
00:36:28,080 --> 00:36:30,880
Speaker 2: me and my partner, Jess is very very good with money,

839
00:36:31,040 --> 00:36:34,520
Speaker 2: just seeing the disappointment or maybe feeling a bit misunderstood

840
00:36:34,560 --> 00:36:37,080
Speaker 2: in those moments and when people are like, why did

841
00:36:37,160 --> 00:36:39,200
Speaker 2: you even go to the place where you were then

842
00:36:39,320 --> 00:36:42,200
Speaker 2: stranded with your car and I'm like, okay, but that

843
00:36:42,239 --> 00:36:45,440
Speaker 2: doesn't help no exactly, And also like I get it,

844
00:36:45,440 --> 00:36:47,319
Speaker 2: like I didn't have to go to that place. I

845
00:36:47,360 --> 00:36:48,800
Speaker 2: wanted to go see my friend. I get it, I

846
00:36:48,800 --> 00:36:50,520
Speaker 2: didn't have money to get home, But I don't think

847
00:36:50,520 --> 00:36:54,080
Speaker 2: about it. I'm living for each moment. I'm living for

848
00:36:54,120 --> 00:36:56,440
Speaker 2: spending time with people, I'm living for experiences. I'm living

849
00:36:56,480 --> 00:36:58,560
Speaker 2: for all these things. It's just not in me. So

850
00:36:58,600 --> 00:37:02,880
Speaker 2: I think the biggest financial challenge didn't come from actually

851
00:37:02,880 --> 00:37:05,320
Speaker 2: having to just be like, oh wow, I've got literally

852
00:37:05,360 --> 00:37:09,080
Speaker 2: foison into my account. Maybe I will see if I

853
00:37:09,120 --> 00:37:11,560
Speaker 2: can just make a coffee at work with some soy

854
00:37:11,600 --> 00:37:14,560
Speaker 2: milk and some instant coffee and whatebout. Like I'm used that,

855
00:37:14,640 --> 00:37:16,919
Speaker 2: I'm okay with that. The biggest financial challenge, in fact,

856
00:37:17,000 --> 00:37:18,520
Speaker 2: came from the faces of the.

857
00:37:18,520 --> 00:37:23,520
Speaker 4: Genuine challenge being challenged about and like, I.

858
00:37:23,440 --> 00:37:25,439
Speaker 2: Feel misunderstood and I didn't like it, so.

859
00:37:25,360 --> 00:37:27,839
Speaker 4: That was probably sorry that was the case, but thank you.

860
00:37:28,200 --> 00:37:32,640
Speaker 4: How do you feel about that on reflection, Like, obviously

861
00:37:32,719 --> 00:37:36,319
Speaker 4: you felt misunderstood. Then have you found some clarity now

862
00:37:36,520 --> 00:37:38,319
Speaker 4: or is this something that you're like, this is kind

863
00:37:38,360 --> 00:37:41,880
Speaker 4: of still trashy? Just hoping the topic doesn't come up again, Like,

864
00:37:42,440 --> 00:37:43,160
Speaker 4: what's the take?

865
00:37:43,640 --> 00:37:45,640
Speaker 2: That's a great question, And I do honestly think like

866
00:37:45,680 --> 00:37:47,920
Speaker 2: I can understand why people think that. If you can

867
00:37:47,960 --> 00:37:51,640
Speaker 2: see someone repeatedly making the same mistakes, then you're like,

868
00:37:51,960 --> 00:37:53,279
Speaker 2: why don't you be doing?

869
00:37:53,600 --> 00:37:56,080
Speaker 4: Yeah, it's so easy to just fall into what are

870
00:37:56,080 --> 00:37:56,560
Speaker 4: you doing?

871
00:37:56,640 --> 00:37:56,839
Speaker 3: Yes?

872
00:37:57,080 --> 00:37:59,879
Speaker 2: So dumb? Yeah, And I just think that why don't

873
00:37:59,880 --> 00:38:02,879
Speaker 2: you just has always been like a shut up hate

874
00:38:03,120 --> 00:38:04,680
Speaker 2: I hate when you say that. I hate that. But

875
00:38:04,719 --> 00:38:07,319
Speaker 2: then now that I'm in a better spot, I'm like,

876
00:38:07,400 --> 00:38:09,920
Speaker 2: they care so much about me, and I think I

877
00:38:09,960 --> 00:38:13,120
Speaker 2: feel so seen when they inquire about my life, and

878
00:38:13,120 --> 00:38:15,640
Speaker 2: I feel so seen and cared for and held. I

879
00:38:15,719 --> 00:38:19,799
Speaker 2: understand that the way they express that is different, and

880
00:38:20,000 --> 00:38:22,600
Speaker 2: they don't want to enable me. So they do tend

881
00:38:22,600 --> 00:38:26,200
Speaker 2: to do that in the moments of stress. I don't

882
00:38:26,239 --> 00:38:28,959
Speaker 2: like to hear it. But upon reflection, I'm like, I'm

883
00:38:28,960 --> 00:38:31,200
Speaker 2: just so lucky that I have people that care about

884
00:38:31,200 --> 00:38:31,960
Speaker 2: me in my world.

885
00:38:32,080 --> 00:38:34,799
Speaker 4: You know how many people would just be like, trash them.

886
00:38:35,000 --> 00:38:36,600
Speaker 4: I don't even like them anymore.

887
00:38:36,880 --> 00:38:39,640
Speaker 2: Yeah, and even just like that's a lot they're an idiot,

888
00:38:39,719 --> 00:38:42,759
Speaker 2: but whatever, it's not my problem. But being in a

889
00:38:42,760 --> 00:38:44,759
Speaker 2: community and being around people that love you and you

890
00:38:44,800 --> 00:38:48,239
Speaker 2: love them. Everyone's problem is everyone's probably, which is really

891
00:38:48,360 --> 00:38:50,160
Speaker 2: nice festive, isn't it.

892
00:38:50,280 --> 00:38:51,360
Speaker 4: That's very festive.

893
00:38:51,560 --> 00:38:53,560
Speaker 2: Yes, I think so. I think it's a really good

894
00:38:53,560 --> 00:38:54,160
Speaker 2: place to leave it.

895
00:38:54,320 --> 00:38:57,200
Speaker 4: I feel you're like, I'm over announce Stop asking me questions.

896
00:38:57,520 --> 00:38:58,359
Speaker 2: I'm shy now.

897
00:38:58,719 --> 00:39:01,160
Speaker 4: Yeah, I'm going now too, o Ben, I've got to

898
00:39:01,160 --> 00:39:01,960
Speaker 4: be closed, bude.

899
00:39:02,000 --> 00:39:04,239
Speaker 2: Yeah, I've got to go and think about everything I

900
00:39:04,320 --> 00:39:07,280
Speaker 2: said that was wrong, and I know such thing. Honestly,

901
00:39:07,320 --> 00:39:09,040
Speaker 2: it's a big day for a lot of people. I

902
00:39:09,080 --> 00:39:10,799
Speaker 2: just want to also say, and I know that I

903
00:39:10,840 --> 00:39:12,920
Speaker 2: do this a lot, but those people who are spending

904
00:39:12,960 --> 00:39:14,840
Speaker 2: Christmas alone, just know that we're here, we got you,

905
00:39:14,960 --> 00:39:16,879
Speaker 2: and it's okay. Just do something that makes you feel

906
00:39:16,880 --> 00:39:19,600
Speaker 2: good with your alone, with family, with friends, with whoever.

907
00:39:20,320 --> 00:39:21,880
Speaker 2: We are here for you, and.

908
00:39:23,200 --> 00:39:25,560
Speaker 4: That's why we did this whole podcast today to hang

909
00:39:25,600 --> 00:39:27,480
Speaker 4: out with you on a day that you might not

910
00:39:27,560 --> 00:39:30,000
Speaker 4: have a lot of friends and family around you exactly,

911
00:39:30,080 --> 00:39:31,640
Speaker 4: so that we get to hang out with you.

912
00:39:31,719 --> 00:39:32,960
Speaker 2: Exactly the best.

913
00:39:33,040 --> 00:39:34,960
Speaker 4: We get you all to ourselves, and we're going to

914
00:39:35,000 --> 00:39:37,759
Speaker 4: give you a challenge as well. So this week, maybe

915
00:39:37,760 --> 00:39:42,080
Speaker 4: even today, if you can find fifteen minutes and find

916
00:39:42,080 --> 00:39:44,480
Speaker 4: a quiet moment, maybe like make a little coffee with

917
00:39:44,680 --> 00:39:48,000
Speaker 4: not stolen saury milk from a work fridge. But I

918
00:39:48,000 --> 00:39:50,520
Speaker 4: want you to ask yourself three simple questions. They're not

919
00:39:50,520 --> 00:39:52,440
Speaker 4: that simple by the way. They sound simple, but when

920
00:39:52,480 --> 00:39:55,719
Speaker 4: you start digging into them, you're like, God, So what

921
00:39:56,000 --> 00:39:57,600
Speaker 4: worked really well for you this year?

922
00:39:58,040 --> 00:39:58,279
Speaker 2: Yep?

923
00:39:58,680 --> 00:40:03,400
Speaker 4: Was it something emotional, something literally physical? Was it something

924
00:40:03,440 --> 00:40:05,240
Speaker 4: that you did that worked out really well?

925
00:40:06,040 --> 00:40:07,080
Speaker 2: What didn't go to plan?

926
00:40:07,280 --> 00:40:10,279
Speaker 4: Be honest with yourself. It's really hard to say, oh,

927
00:40:10,320 --> 00:40:12,799
Speaker 4: that didn't really work because you put in a lot

928
00:40:12,800 --> 00:40:14,440
Speaker 4: of time and energy and effort. But be kind to

929
00:40:14,480 --> 00:40:16,799
Speaker 4: yourself because we're not trying to crucify ourselves here. We're

930
00:40:16,840 --> 00:40:19,120
Speaker 4: just trying to ask the question so that we can

931
00:40:19,200 --> 00:40:22,560
Speaker 4: do better and be better and grow. And then what's

932
00:40:22,680 --> 00:40:26,200
Speaker 4: one lesson I can take into twenty twenty five? Like

933
00:40:26,560 --> 00:40:28,239
Speaker 4: I feel like I do this a lot, Like I

934
00:40:28,280 --> 00:40:30,319
Speaker 4: ask myself what do I want to stop? What do

935
00:40:30,400 --> 00:40:32,680
Speaker 4: I want to start doing? And then what's something I

936
00:40:32,719 --> 00:40:35,320
Speaker 4: want to continue doing. It's like the traffic light system,

937
00:40:35,600 --> 00:40:38,799
Speaker 4: it always works. So I feel like, ask yourself those

938
00:40:38,840 --> 00:40:41,440
Speaker 4: three questions, even if you're not a goal setter, and

939
00:40:41,480 --> 00:40:43,920
Speaker 4: I feel like that will set yourself up for some

940
00:40:43,960 --> 00:40:45,359
Speaker 4: pretty good success in there.

941
00:40:45,440 --> 00:40:47,839
Speaker 2: Absolutely, and it doesn't have to be complicated. Just jot

942
00:40:47,840 --> 00:40:49,520
Speaker 2: it down your notes, app talk it through with a mate,

943
00:40:49,600 --> 00:40:51,360
Speaker 2: or even just think about it while you're doing the dishes.

944
00:40:51,440 --> 00:40:54,120
Speaker 2: The key is just so many dishes this time of year. God,

945
00:40:54,200 --> 00:40:55,680
Speaker 2: so many dishes, so you'll have a lot of thinking

946
00:40:55,680 --> 00:40:58,040
Speaker 2: time to do, even if it's nothing like tangible physical

947
00:40:58,080 --> 00:40:59,600
Speaker 2: it just be like I want to change the inner

948
00:40:59,600 --> 00:41:02,319
Speaker 2: monologue my head that is kinder to myself, whatever it

949
00:41:02,360 --> 00:41:04,239
Speaker 2: may be. I think, Yeah, just take some time.

950
00:41:04,400 --> 00:41:06,560
Speaker 4: Just do that exactly, and don't forget to celebrate. I

951
00:41:06,600 --> 00:41:09,000
Speaker 4: feel like we don't celebrate the small winter moss, like,

952
00:41:09,120 --> 00:41:11,400
Speaker 4: let's celebrate the big ones. But also the small ones.

953
00:41:11,840 --> 00:41:13,840
Speaker 4: Maybe you paid off a little bit of debt, or

954
00:41:13,880 --> 00:41:16,200
Speaker 4: maybe you just finally logged into the account so you

955
00:41:16,320 --> 00:41:18,560
Speaker 4: know how much debt you have That is a really

956
00:41:18,600 --> 00:41:22,120
Speaker 4: big one. Maybe you started a savings habit. Maybe you

957
00:41:22,200 --> 00:41:24,480
Speaker 4: agreed to go on a holiday with your girlfriend and

958
00:41:24,600 --> 00:41:27,200
Speaker 4: you've started saving for the first time. Or maybe you

959
00:41:27,239 --> 00:41:29,760
Speaker 4: just learned something new about money. Or maybe you finished

960
00:41:29,760 --> 00:41:33,359
Speaker 4: this whole podcast episode. Congrats, babe, congrats, whatever it is.

961
00:41:33,360 --> 00:41:35,719
Speaker 4: I think we need to be giving ourselves credit. And

962
00:41:36,000 --> 00:41:39,320
Speaker 4: if you haven't heard, I have officially called twenty twenty

963
00:41:39,320 --> 00:41:42,600
Speaker 4: five twenty twenty Thrive, and we are always going to

964
00:41:42,600 --> 00:41:45,160
Speaker 4: be here to help you absolutely own it. We've got

965
00:41:45,160 --> 00:41:47,799
Speaker 4: obviously a stack of New Year's episodes coming your way,

966
00:41:48,000 --> 00:41:50,239
Speaker 4: packed with literally everything that you need to start your

967
00:41:50,320 --> 00:41:52,919
Speaker 4: year off strong, whether that is budgeting or saving, all

968
00:41:52,960 --> 00:41:54,719
Speaker 4: mindset shifts or psychology.

969
00:41:54,760 --> 00:41:58,200
Speaker 2: We cover literally every day and everything. So hit subscribe

970
00:41:58,200 --> 00:42:01,959
Speaker 2: now and get ready to start living twenty twenty thrive, Yeah,

971
00:42:02,200 --> 00:42:06,440
Speaker 2: just surviving with not twenty twenty survive exactly. Let's make

972
00:42:06,520 --> 00:42:07,920
Speaker 2: your best money year yet.

973
00:42:08,160 --> 00:42:08,680
Speaker 1: I love that.

974
00:42:08,840 --> 00:42:12,160
Speaker 4: Have a good Christmas, babies, and we'll see you literally

975
00:42:12,400 --> 00:42:13,480
Speaker 4: during our next episode.

976
00:42:14,080 --> 00:42:20,440
Speaker 2: Merry Christmas, Bye guys.

977
00:42:21,400 --> 00:42:23,920
Speaker 4: The advice shared on She's on the Money is general

978
00:42:24,000 --> 00:42:27,200
Speaker 4: in nature and does not consider your individual circumstances.

979
00:42:27,560 --> 00:42:29,680
Speaker 2: She's on the Money exists purely for.

980
00:42:29,760 --> 00:42:32,600
Speaker 4: Educational purposes and should not be relied upon to make

981
00:42:32,640 --> 00:42:35,920
Speaker 4: an investment or financial decision. If you do choose to

982
00:42:35,920 --> 00:42:39,200
Speaker 4: buy a financial product, read the PDS TMD and obtain

983
00:42:39,239 --> 00:42:41,040
Speaker 4: appropriate financial advice.

984
00:42:40,760 --> 00:42:42,120
Speaker 2: Tailored towards your needs.

985
00:42:42,480 --> 00:42:46,440
Speaker 4: Victoria Divine and She's on the Money are authorized representatives

986
00:42:46,480 --> 00:42:50,319
Speaker 4: of money. Sheirper pty Ltd ABN three two one IS

987
00:42:50,360 --> 00:42:54,239
Speaker 4: six four nine two seven seven zero eight AFSL four

988
00:42:54,360 --> 00:43:03,160
Speaker 4: five one two eight nine