Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 2: Hello, and welcome to She's on the Money the podcast
Speaker 2: here to make your year end on a high note,
Speaker 2: even if your budget had a few plot twists along
Speaker 2: the way. It's quite all right, you know what it
Speaker 2: it is?
Speaker 4: What day is it be?
Speaker 2: It's Christmas?
Speaker 4: Christmas Day.
Speaker 2: While the presents are unwrapped, the pavlover is in the
Speaker 2: fridge right now as we speak, and the family debates
Speaker 2: over monopoly are hopefully on Paul.
Speaker 4: No, they're not like my family's going to write over Katan.
Speaker 4: We don't play monopoly. We play Katan. Yes we are savage.
Speaker 2: I like playing logo quiz.
Speaker 4: I can actually spoil it now because it's Christmas Day,
Speaker 4: but I bought the expansion packs for my family for
Speaker 4: that time for Christmas. That's an idea, right, that's really great.
Speaker 2: I'm going to pull it out today as well. So
Speaker 2: we're taking him over to reflect on something even more precious.
Speaker 2: How we spent our time, our money, and our energy
Speaker 2: this year. That's love is awesome. So today we're unwrapping
Speaker 2: the Gift of Reflection VD. And I couldn't think of
Speaker 2: a better person to dive into this with than the
Speaker 2: woman who somehow balances budgets, businesses and baby bottles Victoria Divine.
Speaker 4: Oh, I've never watched a baby bottle. Honestly, my husband
Speaker 4: does all of that, so that's exactly how. But I'm
Speaker 4: excited about this. I was talking about this on Instagram
Speaker 4: the other day and I didn't achieve a lot of
Speaker 4: my personal goals this year, which I feel like people
Speaker 4: look at me and they go shut up, the like
Speaker 4: you're so successful. Yeah, But I wrote a list and
Speaker 4: I checked it twice and then I didn't do anything
Speaker 4: on it. It's okay, which is fine. Because this year
Speaker 4: I approached every single situation with grace and kindness, and
Speaker 4: that's the bare minimum exactly. At the end of the day,
Speaker 4: a lot of people can't say they did the same. No,
Speaker 4: you can definitely like not check things off your list,
Speaker 4: but if you're kind to yourself, you've won. Today we'll
Speaker 4: be chatting about how reflecting on the past year can
Speaker 4: set you up for success and the next. And I've
Speaker 4: got a few juicy questions light up to do intervd's
Speaker 4: own highlights and lessons from this year. So should we
Speaker 4: start with why reflection is so important? Does it really
Speaker 4: help us make my decisions? Or is it just another
Speaker 4: thing to add to our to do list? Maybe it's
Speaker 4: just like another thing to add to how to do list.
Speaker 4: If you type a like me, you like adding things
Speaker 4: to you to do lists like it makes you fee accomplished,
Speaker 4: So take it however you want. But reflections are so
Speaker 4: incredibly important. Beck, It's not just I don't know, a
Speaker 4: little feel good reflection, but more because they're backed by
Speaker 4: solid psychology. You know, I love a little bit of research.
Speaker 4: So I'm comeing to the table with the receipts when
Speaker 4: I'm coming you know, of course, taking time to reflect
Speaker 4: on your year. It's not actually just about like telling
Speaker 4: up all you ins and then all your losses. It's
Speaker 4: about giving your brain the space to process, learn and grow,
Speaker 4: which is kind of nice. So the first thing I
Speaker 4: want to touch on here is memory, consolidation and learning.
Speaker 4: So that's the heading I've written for myself, and then
Speaker 4: there's nothing under it, so who knows what I'm about
Speaker 4: to say, So it's just like watch it fall out,
Speaker 4: but reflecting on what has worked for us financially and
Speaker 4: then personally then what hasn't and why it's going to
Speaker 4: help create mental shortcuts for making better decisions in the future,
Speaker 4: Like why didn't that work for you? Oh it didn't
Speaker 4: work because ABC? Okay cool, So like have we learned
Speaker 4: something from this? You'd be like, yeah, actually I have. Yeah,
Speaker 4: I'm not going to approach something like that again this way.
Speaker 4: I'm going to do it this way. I want you
Speaker 4: to think of it as kind of like rewiring your
Speaker 4: brain to be your own personal finance coach. Like that's
Speaker 4: a good deal, Like I want a personal finance coach
Speaker 4: that I don't have to pay money, which's in here exactly.
Speaker 4: You're not the biggest book person in the Nie but
Speaker 4: I am. There's a book by Norman Deutsche and it
Speaker 4: is called The Brain That Changed Itself And it is
Speaker 4: so interesting if you're not going to like read it
Speaker 4: back audio book it like I listened to it, but
Speaker 4: it talks about this concept of neuroplasticity. It's just very cool.
Speaker 4: It's like about these people with brain damage who forget
Speaker 4: how to walk and then they're like thrown in the
Speaker 4: deep end of being taught how to walk again. But
Speaker 4: this idea that your brain has a certain way of learning.
Speaker 4: So if you were a baby and you were learning
Speaker 4: to walk, you would first learn to crawl, and then
Speaker 4: you would learn to like, you know, stand up assisted,
Speaker 4: and then you would learn to walk right, whereas people
Speaker 4: historically who have gotten injured and have to learn to
Speaker 4: walk again, they are just taught to walk immediately, and
Speaker 4: that is often not the best way of doing things
Speaker 4: because your brain needs to create absolutely brand new neural
Speaker 4: pathways to be able to do these things. So like,
Speaker 4: wouldn't it make sense to do the progression again?
Speaker 2: Yeah?
Speaker 4: Right, Yeah, So it's an interesting concept, but it's essentially
Speaker 4: this concept called neuroplasticity, where the brain adapts and optimizes
Speaker 4: itself over time, because if one neural pathway is not
Speaker 4: working or it is destroyed, you can actually create another one.
Speaker 4: Talking about like walking here because for me that's probably
Speaker 4: the best example. But if you have an accident and
Speaker 4: something happens to your brain, Beck, and you've forgotten how
Speaker 4: to walk because that bond in your brain of hey, Beck,
Speaker 4: this is how you wire your body to walk has
Speaker 4: been broken. You need to either rebuild that or create
Speaker 4: another neural pathway. And starting from the start makes the
Speaker 4: most sense. So it's kind of like being able to
Speaker 4: identify what is and isn't working for you so that
Speaker 4: you can create new pathways or celebrate the ones that
Speaker 4: you have that are working really well.
Speaker 2: It's a really good way to look at it.
Speaker 4: I think it's really fun. But like you have to
Speaker 4: crawl before you can walk, yes, And I think that
Speaker 4: that's a fun thing to do as well, because it
Speaker 4: just really reminds you that, yeah, you might not have
Speaker 4: achieved this, but did we actually start where we needed
Speaker 4: to start. The other thing I've written down here is
Speaker 4: reflection taps into metacognition, or the ability to think about
Speaker 4: our own thinking.
Speaker 2: Okay, I'm going to have to get that broken.
Speaker 4: Down, think about your own thinking. Yep. So studies have
Speaker 4: actually shown us that by engaging in reflective practices. He
Speaker 4: sounded hippie dippy at the start, but I promise it's
Speaker 4: real research.
Speaker 2: I love it.
Speaker 4: It boosts self awareness and it improves future performance. Yes,
Speaker 4: so by recognizing and internalizing patterns, we effectively become better
Speaker 4: at coaching ourselves towards making strategic decisions.
Speaker 2: Yes.
Speaker 4: So we're thinking about the way that we're thinking, and
Speaker 4: that helps us think clearer.
Speaker 2: I get that.
Speaker 4: I am just like investing the money that our money
Speaker 4: makes makes money. It's like your brain is braining, and
Speaker 4: then if you brain properly, you'll be able to brain more.
Speaker 2: Yeah.
Speaker 4: Put that on a T shirt and wear it.
Speaker 2: Yeah, we really are. Our brains are really remarkable.
Speaker 4: But brains are so crazy to think that. I'm in
Speaker 4: my own head thinking about my own head.
Speaker 2: Now, where you're sitting, you're perceiving the room a different
Speaker 2: way I'm perceiving, right.
Speaker 4: And how do we know that something looks different to
Speaker 4: one of us exactly? Like? How did you work out
Speaker 4: that people were color blind? Yes, well that's like, oh
Speaker 4: that's a really nice red light and the red light
Speaker 4: where how doing exactly?
Speaker 2: Huh?
Speaker 4: I need to do a lot more research, but back
Speaker 4: onto this. So, yes, it's important because by understanding why
Speaker 4: you're making certain decisions back whether they were great or
Speaker 4: maybe they could use a little bit of work, we
Speaker 4: are actually empowering ourselves to approach the future with clarity
Speaker 4: and confidence, which I think is important. It's not about
Speaker 4: being perfect, like nobody needs to be perfect and none
Speaker 4: of us are perfect. It's about learning from the messy
Speaker 4: bits and then celebrating the moments where we freakin haled it,
Speaker 4: like we need to celebrate ourselves.
Speaker 2: Yes, so what if someone is hypothetically sitting there and thinking,
Speaker 2: mayu's mess where do we even start? How do I
Speaker 2: it passes? When it all kind of like feels like
Speaker 2: one big blur.
Speaker 4: Don't worry, beck, don't worry. Next year is a new year.
Speaker 4: Twenty twenty thrive, Yes, twenty thrives so lame. But also
Speaker 4: reflecting doesn't have to be this like big gog whelming
Speaker 4: arduous task. It's about creating a little space where we
Speaker 4: can just be honest about a year. It's like when
Speaker 4: you do budgets and you know how I say, like,
Speaker 4: don't judge yourself, Like, what's the point in that if
Speaker 4: you sit down and you're going to look at your
Speaker 4: budget and be like, oh, I'm so bad, I'm not
Speaker 4: good at usbec okay, cool. So this was an exercise
Speaker 4: in making ourselves feel like trash about our situation, yea?
Speaker 4: Or is it an exercise in identifying what's going on
Speaker 4: so that we can create a clear plan for the future,
Speaker 4: Like just draw a line and sand I don't want
Speaker 4: to hear all of the junk where you question yourself
Speaker 4: and say that you're bad at things. You're not. You
Speaker 4: just didn't have a plan, Like people are like, oh
Speaker 4: my god, I'm so bad at money. V No, you're not.
Speaker 4: You just didn't have a framework. What I want you
Speaker 4: to do when it comes to thinking about your year
Speaker 4: is find a moment ask yourself, beck what worked this year?
Speaker 3: Right?
Speaker 4: What didn't work? What did you learn? Do you feel
Speaker 4: icky about anything? Do you feel really good about anything?
Speaker 4: What are they? Don't overthink it. It's not perfection. No
Speaker 4: one else has to look at this, by the way,
Speaker 4: like you could even burn the note after if you're like, oh,
Speaker 4: I don't really want to write it.
Speaker 2: Yeah.
Speaker 4: I got asked the other day like v do you journal?
Speaker 4: And I was like, absolutely not. I'd end up in jail,
Speaker 4: like you would use that stuff in a court of
Speaker 4: law against me. I can't write it down what happens
Speaker 4: in here. I don't need you to be perving on it.
Speaker 4: I want you to go to my bedside table and
Speaker 4: pick it up and be like, holy gua a moment,
Speaker 4: she is as cooked as we thought she was.
Speaker 2: Whenever I like try to journal, I always write in
Speaker 2: a way where I travel I might read, Yeah, I'm
Speaker 2: trying to be cool. I do the same thing though,
Speaker 2: and I'm like, no one's gonna relate, but what diary.
Speaker 2: Yeah it's not a big deal or anything. But I
Speaker 2: just save someone's life, you know. I'm just trying to
Speaker 2: be really cool and really like not too like dramatic, but.
Speaker 4: I wouldn't want to actually put my real feelings down
Speaker 4: on if somebody reads, it's really not the point of
Speaker 4: the journaling. Yeah, yeah, you have to put that down,
Speaker 4: but you can burn it later if you really want to.
Speaker 4: We can destroy the evidence. Yes, we can get rid
Speaker 4: of it. But it's actually about being curious, like what
Speaker 4: did you start thinking about jot it down? The goal
Speaker 4: is really simple. We want to spot the lessons and
Speaker 4: celebrate the winds and let the rest go exactly right.
Speaker 2: So this is kind of in the same vein, But
Speaker 2: I'll just know that, like I get to the end
Speaker 2: of the year, I'm reflecting, I'm looking at the things
Speaker 2: that didn't work, and when I'm writing up new things,
Speaker 2: I'll be like, Okay, we know the motivation is fleeting.
Speaker 2: We know that we're going to get to a point
Speaker 2: where my motivation here for one moment, gone forever exactly,
Speaker 2: and I'm just like, Okay, next week, I'm going to
Speaker 2: feel completely different. Next week, I'm going to be really unmotivated.
Speaker 2: I'm going to predict the really crappy feelings, the ones
Speaker 2: that lead me astray from my goals, and be like,
Speaker 2: when I feel that way, and I know I will,
Speaker 2: I'm going to do X y Z. So you just
Speaker 2: could be honest about you might not stick to tease,
Speaker 2: but what are you going to do when you feel
Speaker 2: like not sticking to them anymore? Anyway, back onto the topic.
Speaker 2: When we are thinking about this, should we like at
Speaker 2: least acknowledge that twenty twenty four was a year, which
Speaker 2: is start by acknowledging it was this year. I mean
Speaker 2: you took over as the sole owner of Zella, which
Speaker 2: is incredible. God you released not one but two books.
Speaker 4: Yeah in one year, that was pretty big sleigh for me.
Speaker 2: Yeah, you created an entire investing master class, started churning
Speaker 2: out four podcast episodes.
Speaker 4: We're actually unhinged? Yeah, yeah, you're unhinged? Is this like
Speaker 4: a call Victoria out?
Speaker 2: Least it is? And also if that wasn't enough, the
Speaker 2: most important thing you went on a holiday. You went
Speaker 2: a holiday, and you created a whole new life.
Speaker 4: I had a baby that's actually unhinged.
Speaker 2: I'm tired, just as myself.
Speaker 4: I'm just sick of my own I know, I'm sick
Speaker 4: of it straight in the being. It's an exposed and
Speaker 4: that's why I feel a little bit embarrassed when I'm like, oh,
Speaker 4: I didn't really achieve my goals list, and like I
Speaker 4: want to share my honest feelings about you know, hey,
Speaker 4: this is what's going on, this is how I'm feeling,
Speaker 4: rah are. But then also you do stuff like that
Speaker 4: and you make me look really bad. Like all of
Speaker 4: that makes me look great, But then I'm like, I
Speaker 4: didn't achieve my goals and people are going to be
Speaker 4: like shot up Victoria. Sure you do have every We
Speaker 4: also have a whole team behind me, right, Like I
Speaker 4: did write two books, that's fantastic. But do you really
Speaker 4: think I sat there and wrote the entire investing masterclass
Speaker 4: in isolation and then built a whole online platform, like
Speaker 4: I have a team behind me. Will be so sick
Speaker 4: of me, but like it takes a village and I'm
Speaker 4: very very lucky for that. So yes, my plate was
Speaker 4: very full, very grateful. But there's so much stuff I
Speaker 4: want to do next year, Like next year is the
Speaker 4: year of Zella love that.
Speaker 2: What about me?
Speaker 4: You can come along for the ride. I mean I'm
Speaker 4: still here literally every day.
Speaker 2: Perfect. Okay, that's very company with everything you had on
Speaker 2: your plate? Here, what's the biggest lesson twenty twenty four
Speaker 2: taught you a boy yourself?
Speaker 4: Well, I have a couple of lessons, but I did
Speaker 4: sign an NDA, so I'm just going to share the
Speaker 4: ones that I can share. Okay, that makes it sound
Speaker 4: so much more. Yeah, I saw that on TikTok the
Speaker 4: other day. Someone was like, what if somebody asks about
Speaker 4: like a break in your career, Like they're like, oh, Beck,
Speaker 4: you weren't employed for six months? Here, what happened, just
Speaker 4: say I could talk about it, but I signed an NDA.
Speaker 2: Oh that is so cool.
Speaker 4: Wouldn't that be funny?
Speaker 2: That's cool.
Speaker 4: Can you imagine interviewing somebody and then going, I can't
Speaker 4: talk about that. I signed an NDA. That is really cool,
Speaker 4: So funny anyway, complete side note, what was my biggest lesson?
Speaker 4: Do you know what my biggest lesson was? And this
Speaker 4: is hard, right, it's two things. I feel like I
Speaker 4: trust too easily, but I don't think that that's a
Speaker 4: bad thing. I think at the start of this year,
Speaker 4: I was like, this is a terrible thing. I trust
Speaker 4: everyone too easily and I shouldn't. But I think that's
Speaker 4: actually a really good personality trait. Although hard, I think
Speaker 4: I learned that I can do it on my own.
Speaker 4: So like I think for a very long time, I
Speaker 4: have thought that I need other people to help me
Speaker 4: along my journey. I need other people to come in
Speaker 4: and I can't possibly do this on my own. I need,
Speaker 4: you know, a hand to hold or something to do.
Speaker 4: And I'm actually completely capable of doing it on my own.
Speaker 4: I obviously say this every year, but like it's about
Speaker 4: the process, not perfection, and like done is much better
Speaker 4: than perfect. So I've learned that. I've also learned that
Speaker 4: I probably put too much pressure on myself. But then
Speaker 4: what else have I learned? My instincts aren't wrong.
Speaker 2: You gotta trust that femtuition.
Speaker 4: Yeah, like it's bad. But like if you think something's off, Yeah,
Speaker 4: even when you ask and they say no, no, no, no,
Speaker 4: thing's off, I'm all good. Nah, if you felt that
Speaker 4: something was off, something's off.
Speaker 2: I gotta agree.
Speaker 4: Your body knows, and I don't know how it knows.
Speaker 4: And the more I feel like I tune into that,
Speaker 4: the more I am learning about that. Yeah, I don't know.
Speaker 4: Maybe I'm gonna like launch a universe podcast or something
Speaker 4: in twenty twenty five and go full hipidi. But like,
Speaker 4: I genuinely think you need to trust your intuition. If
Speaker 4: your first reaction is this is not good, I promise
Speaker 4: it's not. I've heard about like this bride who just
Speaker 4: kept getting sick and just like she already kind of
Speaker 4: knew there was something wrong with the relationship she was in,
Speaker 4: but then there was the engagement. There's all this gift sharing,
Speaker 4: you know, all this stuff. Everything was coming up, everything
Speaker 4: was coming up, and she.
Speaker 2: Kept getting sick and she did find out that something
Speaker 2: is wrong. So I feel like your body knows trust
Speaker 2: your body trust you in sick.
Speaker 4: I feel like it's really good. Trusting your gut is
Speaker 4: really important. Like I always say that. Then I wasn't
Speaker 4: doing it ikey, but like, oh my god, everyone feels
Speaker 4: ikey doing this, Like this is such a big decision.
Speaker 2: It's hard to kind of distinguish.
Speaker 4: There might be a reason for that. So like it's
Speaker 4: hard academically right, like, oh, I'm working so hard full stop,
Speaker 4: but like if there is a process and there's so
Speaker 4: much friction getting something across the line, maybe it's not
Speaker 4: meant to happen.
Speaker 2: I agree. So with so much going on, how did
Speaker 2: you manage to balance the demands of work, motherhood, and
Speaker 2: just you know, like being a human. Was there a
Speaker 2: moment where you say okay something, Yes, a lot of tears,
Speaker 2: I'm sorry to hear.
Speaker 4: I feel like that's normal. Like if I feel overwhelmed,
Speaker 4: sometimes I just crack and I didn't feel fry, like
Speaker 4: you know when you're just like, oh my god, do this.
Speaker 4: It doesn't happen that often, to be honest, doesn't happen
Speaker 4: at work. You're welcome, But I think it's you're allowed though, Yeah,
Speaker 4: like something's got to give. I think I was very
Speaker 4: good at foreseeing that this year would be a big
Speaker 4: year for us at work, knowing I was having a baby.
Speaker 4: We did a lot of pre planning to make sure
Speaker 4: that we knew how this was going to go. But like,
Speaker 4: I think it was just a challenging year as a whole,
Speaker 4: and like that's not a bad thing. It has been
Speaker 4: the best year of my entire life at the same
Speaker 4: time as one of the worst. Yeah, so like best year.
Speaker 4: I am a mum. Do you know how obsessed I
Speaker 4: am with my kid? Like I was born to be
Speaker 4: a mom. This is the best. Like I could not
Speaker 4: sell it to you harder beck, Like I'm not saying
Speaker 4: that it's for everybody, because someone the other day was like,
Speaker 4: I don't know, I'm sitting on the fence about having
Speaker 4: a baby, and I was like, don't do it. Yeah,
Speaker 4: Like it's the best thing that's ever happened to me.
Speaker 4: But it does change your life. Yeah, it doesn't mean
Speaker 4: like in a philosophical like oh my god, it's life
Speaker 4: changing way, Like literally every single day looks very different
Speaker 4: to what it did twelve months ago. Like my entire
Speaker 4: life revolves around this tiny human and I don't want
Speaker 4: it anyway. Yelse, Like I don't want to change that.
Speaker 4: It's a big decision.
Speaker 2: You gotta want it.
Speaker 4: Then on the flip side, oh my lord, business life
Speaker 4: is hard, Like you know, I'm not going to get
Speaker 4: too far into it, but I had a business partner
Speaker 4: leave and that was obviously incredibly challenging. Finding that out
Speaker 4: when I was very, very pregnant was not great. Having
Speaker 4: to take over a business when I had a literal
Speaker 4: newborn was incredibly challenging. All of those things could have
Speaker 4: been avoided with some good planning and communication. But you
Speaker 4: get what you get, and you don't get upset.
Speaker 2: Do you bet? Well, that's exactly right.
Speaker 4: It is what it is.
Speaker 2: I feel like we've just barely scraped the surface because
Speaker 2: it has been such a ride for you. But we
Speaker 2: have a lot of reflecting to do. We come back.
Speaker 2: I want to dive into some of the biggest curve
Speaker 2: balls of your year and hear what you've learned of
Speaker 2: my year.
Speaker 4: Yeah, alright, I'm strapping in.
Speaker 2: I mean I might have one or two. I don't
Speaker 2: think I do. Actually, don't go anywhere. Welcome back everyone
Speaker 2: before the break, we're chatting about all the incredible things
Speaker 2: you've tackled this year. V. But let's get into the
Speaker 2: juicy stuff.
Speaker 4: What'd you see stuff? If you got to bring to
Speaker 4: the table, you just got a hot girlfriend. I'm so
Speaker 4: good at life. I'm thick. So you lucked out this year.
Speaker 2: I did, like out was my redundant though.
Speaker 4: Yeah, but then you got a better job.
Speaker 2: I did get a better job. And I probably said
Speaker 2: this already on the show, but I was like sitting
Speaker 2: in like my cart, I just kind of like felt defeat.
Speaker 2: I didn't have any petrol to drive home. I didn't
Speaker 2: have the money. I didn't want to be that person,
Speaker 2: and so I was just like I said in my card, I.
Speaker 4: Cried, tell me about this. Oh I'm so sorry. Yeah,
Speaker 4: it just breaks my heart.
Speaker 2: I think that was my curve ball was just like
Speaker 2: I'm good at being broke. I've been broke for a
Speaker 2: long time, like not having much money, so it's a
Speaker 2: bit different when you're like, yeah, thanks, it changed. This
Speaker 2: was because it was like there is no money coming
Speaker 2: and there is no money left. And I was like
Speaker 2: I always borrow money from my friends, but at this point,
Speaker 2: like my one friend who I lived. She had no
Speaker 2: money either, so we were kind of borrowing from each
Speaker 2: other at this point, and so I had nothing left
Speaker 2: and I was like, oh my god, I don't know
Speaker 2: what to do. I ended up calling my mom, which
Speaker 2: was lovely, and I was like, Okay, I've got Petrov
Speaker 2: get home, and now I'm just gonna like sell my life.
Speaker 2: So I was probably honestly, the reduci was my curve
Speaker 2: ball and I wanted only I'm very grateful to say
Speaker 2: that was all.
Speaker 4: But then what happened, because we need to like it
Speaker 4: was like around twenty jobs, Yes, twenty jobs.
Speaker 2: I do video producing on the side. I have this job,
Speaker 2: which I'm very grateful for. I just went back to
Speaker 2: the same company and better pay, better job, you know,
Speaker 2: all the good stuff.
Speaker 4: So she's got two side hustles and a full time job. Yeah,
Speaker 4: glow up of the year.
Speaker 2: I think you said it, but V back to you.
Speaker 2: Was there a moment this year where you took a
Speaker 2: risk or just followed your gut on something and it
Speaker 2: ended up paying off big time?
Speaker 4: I feel like I should be giving fluffy answers here
Speaker 4: because I'm like, the real antser is a bit juicy,
Speaker 4: gossy tell us. I'm trying to think of something less
Speaker 4: juicy gossy, but like, you know what, I have the
Speaker 4: juicy gossy. I haven't done anything that I am not
Speaker 4: proud of. I have treated every situation with sometimes the
Speaker 4: kindness it did not deserve, sure, and the grace that
Speaker 4: if anyone were to say anything bad about me, they
Speaker 4: would simply know that that wasn't the case. Like, I
Speaker 4: just am very proud of the way that I have
Speaker 4: dealt with a lot of things that have happened this
Speaker 4: year because I could have been a nasty pasty and
Speaker 4: I wasn't.
Speaker 2: Well, I'm very proud of you.
Speaker 4: Not that I would be, but a lot of people
Speaker 4: in my situation, I think would have been like bury it,
Speaker 4: do this, do that? Like I've gone a bit savage.
Speaker 4: I want to be able to look back on it
Speaker 4: and if I were sitting at the table with somebody,
Speaker 4: I can say I actually carried myself with ultimate grace,
Speaker 4: ultimate kindness, and you cannot say the same thing. And
Speaker 4: I think that that is what helps me, or has
Speaker 4: helped me get through a lot of this. I'm like,
Speaker 4: do you know what, I killed it with kindness? I
Speaker 4: did so well? Yeah, and I guess one of the
Speaker 4: guest risks I took on this year was I purchased
Speaker 4: half of my mortgage broking business back off a business
Speaker 4: partner that I had that was not the right fit.
Speaker 4: It just wasn't working out. Wasn't the right fit, that
Speaker 4: is all I will say. And purchasing that back was
Speaker 4: a choice that was kind of forced, if that makes sense.
Speaker 4: Like they were leaving. It wasn't an option for them
Speaker 4: to stay. And at that time, I had the choice.
Speaker 4: I could have hired someone to take on that role, right.
Speaker 4: I could have said, all right, I'm just going to
Speaker 4: go hire an external person, maybe like an office manager
Speaker 4: or like you know, a managing director or someone to
Speaker 4: come in and run that business. We had the funds
Speaker 4: to do so. But I think that I could just
Speaker 4: see that the way the business was running was not
Speaker 4: the way I wanted it to run. And nobody is you, right, Like,
Speaker 4: if I wanted to run the way that I wanted
Speaker 4: to run, I have to frigg and run it. I
Speaker 4: have to jump in and do this and do that.
Speaker 4: And so I made the decision to take on, with
Speaker 4: a newborn baby, a full time job. And I am
Speaker 4: very grateful for my husband and the team and literally
Speaker 4: everybody who's afforded me the flexibility to be able to
Speaker 4: do that. But I have taken over the whole mortgage
Speaker 4: broking business and it is flying now, like it is
Speaker 4: exactly where I wanted it to be. Like we are
Speaker 4: starting twenty twenty five with more team members than we
Speaker 4: had at this time last year. We've hired some incredible brokers.
Speaker 4: I don't know how do I explain it. I feel
Speaker 4: like the universe sometimes knows what you need, and I'd
Speaker 4: be like, I really want this like personality in my
Speaker 4: business and someone who's good at XYZ, and then all
Speaker 4: of a sudden, like for example, earlier this year, I
Speaker 4: was like, far out, I'd really like to find somebody
Speaker 4: who's good at like commercial loans. So like we obviously
Speaker 4: specialize in mortgage broking, but we're always getting asked like, hey,
Speaker 4: v do you do commercial I was like yeah, like
Speaker 4: we technically can, but we don't have a specialist. And
Speaker 4: the perfect person just turns up and I was like, oh,
Speaker 4: I'd love to work for Zella and I was like sorry, what,
Speaker 4: Like HI, come this way. So that has been really good,
Speaker 4: And I think that the biggest risk was obviously taking
Speaker 4: that role on. But also I'm not a mortgage broker,
Speaker 4: so I'm a non mortgage broker running a relatively large
Speaker 4: sized mortgage broking business all on my own. That's a risk.
Speaker 4: It's extremely mass risky, and it's working out so far.
Speaker 4: And I feel like I just knew in my gart
Speaker 4: enough is enough. I can do this all on my own.
Speaker 4: I don't need anybody else. Yep, and it's never been better.
Speaker 2: I love that.
Speaker 4: Is that bad? Is that too juicy or gossip? I
Speaker 4: don't know if you It's just just what it is, right, Like.
Speaker 2: If you had known back when you're starting Zella what
Speaker 2: you know now, if you had the resources and the
Speaker 2: capacity and all this stuff, everything was perfect, would you
Speaker 2: have gone in alone or still?
Speaker 4: Well, I did, I did so I started this business
Speaker 4: myself in twenty seventeen. So I started in twenty seventeen
Speaker 4: as a financial advice business and ran it on my own,
Speaker 4: did all of that fun stuff. Had mortgage brokers working
Speaker 4: for me, but I also have my financial advice team.
Speaker 4: When I was working as a financial advisor. In September
Speaker 4: twenty twenty two, I sold the financial advice of the business,
Speaker 4: so I kept owning Zella. I still had a mortgage
Speaker 4: broking business, and I sold the financial advice business because
Speaker 4: I knew I was getting married two months after that,
Speaker 4: and I knew I wanted babies, and like something had
Speaker 4: to give, right, Like I cannot run a big financial
Speaker 4: advice business where I was the main advisor and have
Speaker 4: a podcast and have mortgage broking and do all of
Speaker 4: the stuff that I do, right, So sold that and
Speaker 4: decided at about that time I would bring in a
Speaker 4: business partner to look after my mortgage broking business such
Speaker 4: at which point that kind of was established as a
Speaker 4: brand new entity to make sure that everything was clean
Speaker 4: and good. That's the business partner that's left. So it
Speaker 4: wasn't somebody who established Zella with me. It was someone
Speaker 4: who technically worked and was employed by Zella, but also
Speaker 4: had a shareholding in the business.
Speaker 2: Understand, Okay, So then.
Speaker 4: They exited, so I was technically the owner of like
Speaker 4: all of the other stuff. So it's not like I
Speaker 4: would have quote lost my business. It was intertwined or
Speaker 4: two tangle. No. No, And that's what a good shareholders
Speaker 4: agreement will do for you. Gosh, she's good.
Speaker 2: So were there any moments this year where things like
Speaker 2: I know this is kind of what we're talking about,
Speaker 2: but like did you plan or obviously that y yes,
Speaker 2: like business podcasts or life and how everything. You can
Speaker 2: never plan anything, ye know, like you can plan to
Speaker 2: the nth degree, right, but that doesn't mean that your
Speaker 2: plan is going to work out. So I think just
Speaker 2: being flexible and going all right, well what can we
Speaker 2: do instead? Or all right, no worries, Like in our
Speaker 2: industry there is always changing moving parts, like the way
Speaker 2: algorithms work, the way podcast measurement works, the way things
Speaker 2: actually eventuate.
Speaker 4: It's always changing. And whether that is you know, oh
Speaker 4: far out, you know, in a couple of weeks, you know,
Speaker 4: Spotify are doing this, you know, highlight on a particul
Speaker 4: killer topic. So I want to make sure that my
Speaker 4: topic kind of aligns. Like you will change your podcast
Speaker 4: plan all the way through to changing staff members and whatnot,
Speaker 4: like you just roll with the punches. I feel, yeah,
Speaker 4: I feel like we're all just making it up still.
Speaker 2: Absolutely, and also you just adapt, don't you.
Speaker 4: Just just do what you got to do, but always
Speaker 4: lead with kindness is the plan that's gorgeous. I don't
Speaker 4: know if it is just like do good be good, Like,
Speaker 4: I can't imagine telling my grandma something that I wasn't
Speaker 4: proud of. You know, if I can't, if I couldn't
Speaker 4: tell my nana, shouldn't be doing it, should you?
Speaker 2: Oh that's a really good way to look at it.
Speaker 2: Now she's in the money.
Speaker 4: Oh yeah, I've heard of that.
Speaker 2: Have you heard of that podcast?
Speaker 4: Nah?
Speaker 2: It's grown so much this year and the community feels
Speaker 2: stronger than ever I feel. So, was there a piece
Speaker 2: of feedback or a moment with a listener that really
Speaker 2: stuck with you?
Speaker 4: I want to say yes, and I want to say no.
Speaker 2: Sure, is that bad?
Speaker 1: No?
Speaker 4: It probably is because there's been so many of them.
Speaker 4: So it's not just like one moment that I'm like,
Speaker 4: this is the moment that I remember. It's like a collection.
Speaker 4: It's like a whole heap of like little memories from
Speaker 4: you know, doing money diaries and you know, jumping on
Speaker 4: zoom to record and then being like hey, just before
Speaker 4: we jump in. I just want to say that, like,
Speaker 4: my entire life has changed because if she's on the money,
Speaker 4: quite what running into people at the zoopermarket and they're like, Hey,
Speaker 4: you're Victoria, aren't you? And I'd be like, oh yeah,
Speaker 4: I yes, I'm all my husband's track pants and they're like,
Speaker 4: oh my god, I am only good at money because
Speaker 4: you taught me how to. And I got out of
Speaker 4: zip pay. Like I was at an event and a
Speaker 4: girl came up to me. She's like, I'm so sorry
Speaker 4: to do this is so weird, but I just need
Speaker 4: you to know that. Like I was in so much
Speaker 4: personal debt that I was about to file for bankruptcy
Speaker 4: and because of your podcast, I didn't. That's incrazy, isn't
Speaker 4: that sick? Yeah, Like people message us every day with
Speaker 4: their like money wins and confessions, and I don't want
Speaker 4: you to stop. Like it's my favorite part of our
Speaker 4: community is not just sharing, but the fact that we
Speaker 4: have an impact. And I think, is there one moment, No,
Speaker 4: because they're all so special in their own way, but
Speaker 4: I think it's yeah, just this idea that we help
Speaker 4: you create the life you deserve. I know this question
Speaker 4: was not directed to me at all, but I just
Speaker 4: feel like when I was asked to do this, I
Speaker 4: was like, this isn't gonna last long. I don't know
Speaker 4: anything about money, and which is good, that's what I need,
Speaker 4: but like it's just incredible and so people will sometimes
Speaker 4: message me to tell me that they enjoy me on
Speaker 4: the podcast, or even when people send me their broke tips.
Speaker 2: I'm like, it's almost.
Speaker 4: See me actually capable.
Speaker 2: Yeah, like you see me and you value the role
Speaker 2: that I play on this show. I'm literally in chills
Speaker 2: onto it and it's like that is so so cool. Yeah.
Speaker 2: I just think we have an incredible community and I
Speaker 2: love out community.
Speaker 4: But like it's because you show up as exactly who
Speaker 4: you are and that's what we want. Like I don't
Speaker 4: want you to be pretending to be somebody else, so
Speaker 4: like trying to be good at money for the show.
Speaker 2: No, everyone is welcome here. That is really really cool.
Speaker 4: I love that. Thank you for sharing that.
Speaker 2: That's so cool.
Speaker 4: See you.
Speaker 5: Oh my god.
Speaker 2: You've mentioned before about how becoming a mum has shifted
Speaker 2: your perspective. Do you feel like it has changed the
Speaker 2: way you approach your goals or your time.
Speaker 4: I want to say yes and no. I feel like
Speaker 4: I've done that to every question.
Speaker 2: But I'm like, yeah, nah, and why does it?
Speaker 4: It's not from a business perspective. No, it has just
Speaker 4: motivated me to do more and be more. Like I
Speaker 4: just go oh, there's so much more I want to do,
Speaker 4: and like I'm motivated now in a way that I
Speaker 4: wasn't before my time. I think I am more defensive
Speaker 4: of it. Yeah, So like before, if you said, Harvey,
Speaker 4: I know you don't work on Mondays, but could you
Speaker 4: come in and do a half day record, I'd be like, yeah,
Speaker 4: no worries, Like that's so fine. Beck. If you ask
Speaker 4: me now to do something on a Monday, I'll be
Speaker 4: like absolutely, not, absolutely and absolutely not. That's actually my
Speaker 4: time with Harvey. And that's I told you that was
Speaker 4: my time with Harvey.
Speaker 2: Respect it.
Speaker 4: I'm flexible, but I do prioritize him and his well
Speaker 4: being and I think that that's the bare minimum of
Speaker 4: being a parent. But then also it's like this inherent
Speaker 4: like I want him to reflect on his childhood and
Speaker 4: be like, far out it was such a good child.
Speaker 4: Like I'm obsessed with being a mum and being his mum.
Speaker 4: And I think it has definitely shifted my perspective in
Speaker 4: terms of like what that work life balance looks like
Speaker 4: and being a little bit more aggressive about.
Speaker 2: Protecting it, protecting a piece.
Speaker 4: But I think a lot of people had said to
Speaker 4: me when I was pregnant or even before I had
Speaker 4: a baby, They're like, just wait until you have baby,
Speaker 4: because like your priorities will shift. And I feel like
Speaker 4: they were saying that in a way that it was like, oh,
Speaker 4: you won't care so much about work, or you, you know,
Speaker 4: won't love doing X, Y Z as much. I think
Speaker 4: I've been very lucky and very supported in becoming a
Speaker 4: mum that I still love what I loved before. I
Speaker 4: can understand when people say I became a mum and
Speaker 4: I lost myself. But I think I became a mum
Speaker 4: and I was really reinforced in who I was. But
Speaker 4: that's not saying that, you know, other people don't go
Speaker 4: through that. I think I was really worried about that.
Speaker 4: But I also think before I became a mum, I
Speaker 4: was quite clear on my goals and like my career
Speaker 4: and what important to me. And I was really worried
Speaker 4: because people make parenting sometimes sound awful. They're like, oh,
Speaker 4: my god, just wait until you don't get any sleep,
Speaker 4: Just wait until you walk into daycare and pick them up,
Speaker 4: and like their smile is the biggest thing in the room,
Speaker 4: Like do you know what I mean? Like I think
Speaker 4: that there are so many people who think that you
Speaker 4: can't do it all or have it all, but they
Speaker 4: don't realize you just can't do it all or have
Speaker 4: it all at once. And I think it's about shifting perspective.
Speaker 4: There's just a lot of people that would say, Oh,
Speaker 4: I could never have a career v like you do
Speaker 4: and put my kid in daycare. Do you know how
Speaker 4: much better I am as a mum because of daycare?
Speaker 4: Do you know how much better I am as a
Speaker 4: mum because I have a career that nourishes me. If
Speaker 4: you don't want that like you do you as you know,
Speaker 4: I couldn't care less what you do as long as
Speaker 4: you're happy, Like if you want to be stay home
Speaker 4: mum slate like I used to think that was something
Speaker 4: that I would love. But I adore my job. I
Speaker 4: adore what I do and what I get to do,
Speaker 4: and daycare is just part of my village.
Speaker 2: Absolutely. I just feel happy and satisfied and fulfilled in
Speaker 2: your everyday life, then you're going to be way happier.
Speaker 4: I want him to see that, and I hope that
Speaker 4: that work ethic rubs off on him and he then
Speaker 4: finds his passion and hubs that I don't know. I
Speaker 4: think that that's how my perspective has shifted, because it's
Speaker 4: not necessarily the way I view things, because I genuinely
Speaker 4: thought that everything would change, ye and it just didn't. Yeah,
Speaker 4: But I think it's just I've become a little bit
Speaker 4: more defensive about the time that I have in the
Speaker 4: way I want to spend that time and how I
Speaker 4: want that to work.
Speaker 2: Gorgeous if you thought for.
Speaker 4: A hot second, yeah, that I wasn't going to turn
Speaker 4: the tables though on this entire show, you were wrong. Sure, Sorry,
Speaker 4: Like you use this whole episode to ask me the
Speaker 4: big questions. So I think it's time to put you
Speaker 4: in the hot seat. So strappy and buckle up. You
Speaker 4: are absolutely in trouble.
Speaker 2: No, okay, let's go.
Speaker 4: I want to hear about your year, your moments, and
Speaker 4: maybe some financial confessions. I feel like you've confessed every
Speaker 4: day on this podcast, though, so let's go. You've been
Speaker 4: diving headfirst into the world of finance this year. Yes,
Speaker 4: what do you think has been the most surprising or
Speaker 4: like game changing thing that you've learned about money that
Speaker 4: you wish you knew sooner?
Speaker 2: I wish I knew that it's possible for people, including
Speaker 2: those who don't start off at the same level and
Speaker 2: they don't have access to like the same things. And
Speaker 2: I completely get that. I grew up with this mindset
Speaker 2: of money that's like once I get a little bit,
Speaker 2: it's gone again, I'm spending it. And this whole year
Speaker 2: I've been the same and I feel like I'm locked in.
Speaker 2: But having chats with my friends and the people who
Speaker 2: care about me and want me to be able to
Speaker 2: change that, I kind of thought, like, I don't think
Speaker 2: I have the ability to like why people just saving,
Speaker 2: Like why people just doing this? Why people just motivated
Speaker 2: to do that? But I realized very recently when I
Speaker 2: was explained to my partner. She was like, Hey, We're
Speaker 2: going to go on a whole year like to start
Speaker 2: saving for it. And I was like, what do I
Speaker 2: look like? I was like, what do you mean? Like
Speaker 2: I usually just get to the part where the holiday
Speaker 2: is and I'm like, oh shit, I've got ass or
Speaker 2: I've got this pay cycle. I'll just not spend on
Speaker 2: anything else, like that's all. I'm never looking for the future.
Speaker 2: But I realized, oh my god. And we had a
Speaker 2: person ride in recently who was like, how do I
Speaker 2: find motivation to save for all these things when I
Speaker 2: just don't feel it, Like what the hell am I
Speaker 2: saving for? I think I'm like that, but I've just
Speaker 2: very very recently shifted that and been like, oh, I
Speaker 2: don't have to save for a house. I'm actually saving
Speaker 2: for experiences. And I'm saving for those moments where all
Speaker 2: my friends want to go to Japan and I can
Speaker 2: do that without feeling stressed. And I'm saving for those
Speaker 2: moments where you have a really good time, good time exactly.
Speaker 2: And I'm saving for next Christmas when I can go
Speaker 2: out and buy all the really nice things and make
Speaker 2: myself feel really cozy. So I realized with finances that
Speaker 2: motivation just wasn't there for me. And I've been really
Speaker 2: bad with money my whole life, and I probably still
Speaker 2: will be for a while. And that's where we're gonna
Speaker 2: fix it. But it takes time, right, It's not something
Speaker 2: that you can just turn on. I think I just
Speaker 2: needed to shift the way of thinking, like, not everyone
Speaker 2: just does it. Not everyone can just do it, and
Speaker 2: that's okay. You just got to find a way that
Speaker 2: works for you. And that's where I am right now.
Speaker 4: I love that.
Speaker 2: Thank you.
Speaker 4: Feel like that is honestly so special, because I don't
Speaker 4: think that when you started on the podcast it would
Speaker 4: have been a mindset that.
Speaker 2: You have exactly, not at all. I have ninety dollars
Speaker 2: and Chezy's as well. I when you say ninety, yes,
Speaker 2: I have ninety dollars and Chazy's At the moment, that's exciting,
Speaker 2: That is so cool all this.
Speaker 4: She's an investor. I can't believe it, and she's about
Speaker 4: to become a proper saver.
Speaker 2: Who would have thought?
Speaker 4: I did think, but you did it. We've talked a
Speaker 4: lot about I guess big money wins on the podcast.
Speaker 4: We always talk about money wins every single week. But
Speaker 4: it's not smooth sailing always. Earlier, you said that you
Speaker 4: had your worst moment this year. You're crying in your car,
Speaker 4: Which is the worst? Was that your biggest financial challenge
Speaker 4: of the year? If not, what was How did you
Speaker 4: approach that?
Speaker 1: Like?
Speaker 4: You went home, you got some petrol.
Speaker 2: But then what, I know, this probably sounds weird, but
Speaker 2: my biggest financial challenge wasn't even the financewers because I
Speaker 2: always have just been like this and it's always been
Speaker 2: okay for me, and I always find a way to
Speaker 2: still go out and see my friends and do everything
Speaker 2: I have to do. The biggest financial challenge for me
Speaker 2: actually came from the people around me who cared so
Speaker 2: much and they wanted to see changing me and my partner,
Speaker 2: Jess is very very good with money, just seeing the
Speaker 2: disappointment or maybe feeling a bit misunderstood in those moments
Speaker 2: and when people are like, why did you even go
Speaker 2: to the place where you were then stranded with your
Speaker 2: car and I'm.
Speaker 4: Like, okay, but that doesn't help no.
Speaker 2: Exactly, and also like I get it, like I didn't
Speaker 2: have to go to that place. I wanted to go
Speaker 2: see my friend.
Speaker 4: I get it.
Speaker 2: I didn't have money to get home. I don't think
Speaker 2: about it. I'm living for each moment. I'm living for
Speaker 2: spending time with people, I'm living for experiences. I'm living
Speaker 2: for all these things. It's just not in me. So
Speaker 2: I think the biggest financial challenge didn't come from actually
Speaker 2: having to just be like, oh wow, I've got literally
Speaker 2: forty C into my account. Maybe I will see if
Speaker 2: I can just make a coffee at work with some
Speaker 2: soy milk and some instant coffee and whatever. Like I'm
Speaker 2: used to that I'm okay with that. The biggest financial challenge,
Speaker 2: in fact, came from the faces of.
Speaker 4: The genuine challenge being challenged.
Speaker 2: About. And I'm like, I feel misunderstood and I didn't
Speaker 2: like it, so.
Speaker 4: That was probably sorry that was the case, but thank you.
Speaker 4: How do you feel about that on reflection, Like, obviously
Speaker 4: you felt misunderstood. Then have you found some clarity now
Speaker 4: or is this something that you're like, this is kind
Speaker 4: of still trashy, Just hoping the topic doesn't come up again, Like,
Speaker 4: what's the take? That's a great.
Speaker 2: Question, And I do honestly think like I can understand
Speaker 2: why people think that. If you can see someone repeatedly
Speaker 2: making the same mistakes, then you're like, why don't you
Speaker 2: just doing?
Speaker 4: Yeah, it's so easy to just fall into what are
Speaker 4: you doing?
Speaker 2: Yes, so dumb? Yeah, And I just think that why
Speaker 2: don't you just has always been like a shut up
Speaker 2: hate I hate when you say that. I hate that.
Speaker 2: But then now that I'm in a better spot, I'm like,
Speaker 2: they care so much about me, and I think I
Speaker 2: feel so seen when they inquire about my life, and
Speaker 2: I feel so seen and cared for and held. I
Speaker 2: understand that the way they express that is different, and
Speaker 2: they don't want to enable me, so they do tend
Speaker 2: to do that in the moments of stress. I don't
Speaker 2: like to hear it. But upon reflection, I'm like, I'm
Speaker 2: just so lucky that I have people that care about
Speaker 2: me in my world.
Speaker 4: You know, many people would just be like, trash them.
Speaker 4: I don't even like them anymore. Yeah, and even just.
Speaker 2: Like that's a lot, they're an idiot, but whatever, it's
Speaker 2: not my problem. But being in a community and being
Speaker 2: around people that love you and you love them. Everyone's
Speaker 2: problem is everyone's problem bad. Which is really nice festive,
Speaker 2: isn't it.
Speaker 4: That's very festive.
Speaker 2: Yes, I think so. I think it's a really good
Speaker 2: place to leave it.
Speaker 4: You're like, I'm over announce, stop asking me questions. I'm
Speaker 4: shy now, Yeah, I'm going now into open. I've got
Speaker 4: to be closed, bud.
Speaker 2: Yeah, I've got to go and think about everything I
Speaker 2: said that was wrong, and I know such thing. Honestly,
Speaker 2: it's a big day for a lot of people. I
Speaker 2: just want to also say, and I know that I
Speaker 2: do this a lot, but those people who are spending
Speaker 2: Christmas alone, just know that we're here, we got you,
Speaker 2: and it's Okay, just do something that makes you feel
Speaker 2: good with your alone, with family, with friends, with whoever.
Speaker 2: We are here for you.
Speaker 4: And that's why we did this whole podcast today to
Speaker 4: hang out with you on a day that you might
Speaker 4: not have a lot of friends and family around you, exactly,
Speaker 4: so that we get to hang out with you exactly
Speaker 4: the best. We get you all to ourselves, and we're
Speaker 4: going to give you a challenge as well. So this week,
Speaker 4: maybe even today, if you can find fifteen minutes and
Speaker 4: find a quiet moment, maybe like make a little coffee
Speaker 4: with not stolen saury milk from a work fridge. But
Speaker 4: I want you to ask yourself three simple questions. They're
Speaker 4: not that simple by the way. They sound simple, but
Speaker 4: when you start digging into them, you're like, God, So
Speaker 4: what worked really well for you this year?
Speaker 2: Yep?
Speaker 4: Was it something emotional? It something literally physical? Was it
Speaker 4: something that you did that worked out really well? What
Speaker 4: didn't go to plan? Be honest with yourself. It's really
Speaker 4: hard to say, oh, that didn't really work because you
Speaker 4: put in a lot of time and energy and effort.
Speaker 4: But be kind to yourself because we're not trying to
Speaker 4: crucify ourselves here. We're just trying to ask the question
Speaker 4: so that we can do better and be better and grow.
Speaker 4: And then what's one lesson I can take into twenty
Speaker 4: twenty five? Like I feel like I do this a lot,
Speaker 4: Like I ask myself what do I want to stop?
Speaker 4: What do I want to start doing? And then what's
Speaker 4: something I want to continue doing. It's like the traffic
Speaker 4: light system, it always works. So I feel like, ask
Speaker 4: yourself those three questions, even if you're not a goal setter,
Speaker 4: and I feel like that will set yourself up for
Speaker 4: some pretty good success in there.
Speaker 2: Absolutely and doesn't have to be complicated. Just jot it
Speaker 2: down your notes, app talk it through with a mate,
Speaker 2: or even just think about it while you're doing the dishes.
Speaker 4: The key is just so many dishes this time of year.
Speaker 2: God, so many dishes, so you'll have a lot of
Speaker 2: thinking time to do, even if it's nothing like tangible
Speaker 2: physical it just be like I want to change the
Speaker 2: inner monologue in my head that is kinder to myself,
Speaker 2: whatever it may be. I think, Yeah, just take some time,
Speaker 2: just do.
Speaker 4: That exactly, and don't forget to celebrate. I feel like
Speaker 4: we don't celebrate the small winter house like let's celebrate
Speaker 4: the big ones, but also the small ones. Maybe you
Speaker 4: paid off a little bit of debt, or maybe you
Speaker 4: just finally logged into the account so you know how
Speaker 4: much debt you have. That is a really big one.
Speaker 4: Maybe you started a savings habit. Maybe you agreed to
Speaker 4: go on a holiday with your girlfriend and you've started
Speaker 4: saving for the first time. Or maybe you just learned
Speaker 4: something new about money. Or maybe you finished this whole
Speaker 4: podcast episode. Congrats, babe, congrats, whatever it is. I think
Speaker 4: we need to be giving ourselves credit. And if you
Speaker 4: haven't heard, I have officially called twenty twenty five twenty
Speaker 4: twenty Thrive, and we are always going to be here
Speaker 4: to help you absolutely own it. We've got obviously a
Speaker 4: stack of New Year's episodes coming your way, packed with
Speaker 4: literally everything that you need to start your year off strong,
Speaker 4: whether that is budgeting or saving, all mindset shifts or psychology.
Speaker 2: We cover literally everything and everything. So hit subscribe now
Speaker 2: and get ready to start living twenty twenty thrive. Yeah,
Speaker 2: you're just surviving with not twenty twenty survive exactly. Let's
Speaker 2: make your best money year yet.
Speaker 4: I love that. Have a good Christmas, babies and We'll
Speaker 4: see you literally during our next episode.
Speaker 2: Merry Christmas by Guys.
Speaker 5: The advice shared on She's on the Money is general
Speaker 5: in nature and does not consider your individual circumstances. She's
Speaker 5: on the Money exists purely for educational purposes and should
Speaker 5: not be relied upon to make an investment or financial decision.
Speaker 4: If you do choose to buy a financial.
Speaker 5: Product, read the PDS TMD and obtain appropriate financial.
Speaker 4: Advice tailored towards your needs.
Speaker 5: Victoria Divine and She's on the Money are authorized representatives
Speaker 5: of money. Sheoper Pty Ltd ABN three two one is
Speaker 5: six four nine two seven seven zero eight AFSL four
Speaker 5: five one two eight nine