1 00:00:00,200 --> 00:00:03,240 Speaker 1: My name's Anatasha Bamblet. I'm a proud First Nations woman 2 00:00:03,600 --> 00:00:08,600 Speaker 1: and I'm here to acknowledge country t Glenn Young Ganya, Niana, 3 00:00:08,680 --> 00:00:11,920 Speaker 1: Kaka yah y and beIN Ahaka Nian our gay In Mbina, 4 00:00:11,960 --> 00:00:17,720 Speaker 1: yakarum jar Dominyamka Domaga Ithawakaman damon Imlan bomber bang gadabomba 5 00:00:17,800 --> 00:00:22,439 Speaker 1: in and now in wakah ghana on yakram jar Watnadaa. Hello, 6 00:00:22,520 --> 00:00:25,960 Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people. 7 00:00:26,360 --> 00:00:29,080 Speaker 1: We thank acknowledge and respect the Abiginal people's land that 8 00:00:29,120 --> 00:00:31,920 Speaker 1: we're gathering on today. Take pleasure in all the land 9 00:00:32,080 --> 00:00:35,360 Speaker 1: and respect all that you see. She's on the Money 10 00:00:35,360 --> 00:00:42,040 Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools, 11 00:00:42,400 --> 00:00:44,600 Speaker 1: knowledge and resources for you to thrive. 12 00:00:44,880 --> 00:01:04,120 Speaker 2: She's on the Money. She's on the Money. 13 00:01:07,640 --> 00:01:10,720 Speaker 3: Hello, and welcome to She's on the Money, the podcast 14 00:01:10,720 --> 00:01:13,920 Speaker 3: that usually brings you deep dives, het takes Money, diaries, 15 00:01:14,319 --> 00:01:17,920 Speaker 3: and the occasional chaotic rant. But today, my friend, it 16 00:01:18,000 --> 00:01:20,600 Speaker 3: is just you and me and we're doing something a 17 00:01:20,600 --> 00:01:23,440 Speaker 3: little bit different because it's the end of the year 18 00:01:24,000 --> 00:01:29,560 Speaker 3: and if you're anything like me, this time feels big, emotional, 19 00:01:29,880 --> 00:01:32,880 Speaker 3: maybe a little bit sparkly, a little bit exhausting, and 20 00:01:32,920 --> 00:01:35,720 Speaker 3: somehow like you're meant to have your life completely sorted 21 00:01:35,720 --> 00:01:39,800 Speaker 3: by December thirty one, and honestly, really, honestly, most of 22 00:01:39,880 --> 00:01:42,720 Speaker 3: us do not. So today, my friend, is not a 23 00:01:42,800 --> 00:01:45,319 Speaker 3: lesson or a recap or a list of goals that 24 00:01:45,360 --> 00:01:48,320 Speaker 3: you should think about setting. It's a bit of a 25 00:01:48,320 --> 00:01:51,200 Speaker 3: moment to exhale together, a moment to kind of slow 26 00:01:51,280 --> 00:01:55,000 Speaker 3: the pace, a moment to close a chapter very softly, 27 00:01:55,520 --> 00:01:57,600 Speaker 3: a moment to remind you that this year it was 28 00:01:57,640 --> 00:01:59,720 Speaker 3: never wasted, even if it didn't look like the one 29 00:01:59,720 --> 00:02:02,880 Speaker 3: that you planned on the first of January. Because here's 30 00:02:02,920 --> 00:02:04,840 Speaker 3: the thing, and I say that a lot. Here's the thing, 31 00:02:04,880 --> 00:02:10,200 Speaker 3: my friend, nobody's year goes to plan. Ever, nobody's spreadsheet 32 00:02:10,200 --> 00:02:13,480 Speaker 3: actually survives all twelve months perfectly, And if yours does, 33 00:02:13,520 --> 00:02:15,560 Speaker 3: please call me and let me know how and why. 34 00:02:16,200 --> 00:02:19,560 Speaker 3: Nobody ends December feeling like, my goodness, I nailed every 35 00:02:19,639 --> 00:02:23,959 Speaker 3: single financial goal, every single relationship, every career milestone, every 36 00:02:23,960 --> 00:02:26,320 Speaker 3: goal that I set myself. I have slayed this year. 37 00:02:27,120 --> 00:02:29,440 Speaker 3: Even when you see someone doing their mood board recap 38 00:02:29,680 --> 00:02:32,360 Speaker 3: and they make it look really pretty on Instagram. What 39 00:02:32,560 --> 00:02:35,320 Speaker 3: matters is that you made it through this year. Because 40 00:02:35,360 --> 00:02:37,600 Speaker 3: this year was hard, and I wanted to take a 41 00:02:37,639 --> 00:02:41,560 Speaker 3: moment and literally an entire podcast. I suppose to reflect 42 00:02:41,600 --> 00:02:45,239 Speaker 3: on that with you, because this year, you survived things 43 00:02:45,320 --> 00:02:48,280 Speaker 3: that never made it into your camera role, things that 44 00:02:48,320 --> 00:02:51,680 Speaker 3: were really heavy, things that you didn't post on social 45 00:02:51,720 --> 00:02:54,840 Speaker 3: media about, things that you carried really quietly because that's 46 00:02:54,880 --> 00:02:56,840 Speaker 3: who you are, and you just didn't want to share, 47 00:02:57,320 --> 00:03:00,399 Speaker 3: things that cost you emotional bandwidth that you didn't even 48 00:03:00,440 --> 00:03:02,400 Speaker 3: know that you were spending at the time. And now 49 00:03:02,400 --> 00:03:04,600 Speaker 3: it feels like it's come back to bite you. And 50 00:03:05,000 --> 00:03:06,919 Speaker 3: I need you to hear me when I say all 51 00:03:06,960 --> 00:03:10,480 Speaker 3: of that counts, and do you know what? So do 52 00:03:10,600 --> 00:03:13,200 Speaker 3: all the little things the morning that you got up 53 00:03:13,240 --> 00:03:15,720 Speaker 3: when you really didn't want to and meet either Queen, 54 00:03:16,080 --> 00:03:18,160 Speaker 3: the bills you paid even though you were so stressed 55 00:03:18,200 --> 00:03:21,320 Speaker 3: about money, all of those nights that you stayed up 56 00:03:21,440 --> 00:03:24,080 Speaker 3: worrying about somebody that you love or something that you're 57 00:03:24,120 --> 00:03:27,760 Speaker 3: wildly passionate about, the work that you did that nobody 58 00:03:27,800 --> 00:03:31,120 Speaker 3: ever said thank you for those appointments that you made, 59 00:03:31,520 --> 00:03:34,679 Speaker 3: or those appointments that you kept rescheduling or the appointments 60 00:03:34,680 --> 00:03:37,960 Speaker 3: that you actually finally went to, the budgeting attempts that 61 00:03:37,960 --> 00:03:40,520 Speaker 3: you didn't stick with, But I feel like it taught 62 00:03:40,520 --> 00:03:44,000 Speaker 3: you something. Anyway, days that you chose rest when you 63 00:03:44,040 --> 00:03:47,320 Speaker 3: were scared it might make you look and feel really lazy. 64 00:03:48,200 --> 00:03:50,520 Speaker 3: I'm really proud of you for the boundaries that you set, 65 00:03:50,760 --> 00:03:53,800 Speaker 3: or the boundaries that you tried to set, even if 66 00:03:53,840 --> 00:03:57,080 Speaker 3: your voice shook, and the courage it took you to 67 00:03:57,360 --> 00:04:01,760 Speaker 3: genuinely just keep going, my friend. Maybe you didn't save 68 00:04:01,840 --> 00:04:04,240 Speaker 3: as much as you'd hoped this year. Maybe you dipped 69 00:04:04,240 --> 00:04:06,960 Speaker 3: into an emergency fund and that makes you feel not 70 00:04:07,000 --> 00:04:10,600 Speaker 3: so good. Maybe you had a setback that knocks your confidence, 71 00:04:10,720 --> 00:04:13,560 Speaker 3: and maybe maybe you felt like you were just starting 72 00:04:13,840 --> 00:04:18,240 Speaker 3: again again. That doesn't actually make you behind, though. Small 73 00:04:18,279 --> 00:04:20,359 Speaker 3: steps in the right direction are still steps, and that 74 00:04:20,440 --> 00:04:24,720 Speaker 3: makes you human, and honestly, it makes you so flipping brave. 75 00:04:25,640 --> 00:04:28,120 Speaker 3: I'm seeing so many people, especially on social media at 76 00:04:28,160 --> 00:04:30,680 Speaker 3: the moment, talking about this year like it was a checklist, 77 00:04:31,400 --> 00:04:35,720 Speaker 3: like it should be measured in milestones and achievements. But 78 00:04:35,800 --> 00:04:40,200 Speaker 3: life is not, and never will be checklists. Life happens 79 00:04:40,200 --> 00:04:43,560 Speaker 3: in the middle bits, the moments where nothing looked glamorous, 80 00:04:43,600 --> 00:04:46,560 Speaker 3: but you were still quietly building resilience. You were learning, 81 00:04:46,680 --> 00:04:48,599 Speaker 3: you were healing, then you were on learning, and you 82 00:04:48,640 --> 00:04:51,799 Speaker 3: were also adapting. And you know what, you didn't film 83 00:04:51,800 --> 00:04:53,600 Speaker 3: any of that. None of that shows up in a 84 00:04:53,680 --> 00:04:56,520 Speaker 3: highlights reel. But it shapes your entire life. It shapes 85 00:04:56,560 --> 00:04:59,360 Speaker 3: who you are, who you're becoming, It shapes who I'm becoming. 86 00:05:00,200 --> 00:05:04,520 Speaker 3: Imagine how different you'd feel if, instead of judging yourself 87 00:05:04,560 --> 00:05:07,400 Speaker 3: on what you didn't achieve this year, you acknowledged that 88 00:05:07,600 --> 00:05:11,960 Speaker 3: you carried everything, You held everything together, you made it 89 00:05:11,960 --> 00:05:14,440 Speaker 3: at work. The weight of the world on your shoulders 90 00:05:14,800 --> 00:05:18,320 Speaker 3: was not too heavy. Imagine if you gave yourself the 91 00:05:18,400 --> 00:05:22,080 Speaker 3: same compassion that you would give your best friend. Because 92 00:05:22,120 --> 00:05:24,960 Speaker 3: I promise you, she would never ever ever talk to 93 00:05:25,000 --> 00:05:27,320 Speaker 3: you the way that you talk to yourself in your head. 94 00:05:28,080 --> 00:05:31,440 Speaker 3: She wouldn't say your year was wasted. She wouldn't literally 95 00:05:31,520 --> 00:05:33,760 Speaker 3: never even think about telling you that you were behind. 96 00:05:34,240 --> 00:05:36,920 Speaker 3: She doesn't think you are. She wouldn't say that you 97 00:05:36,960 --> 00:05:39,200 Speaker 3: should have done more. You know what she'd say, She'd 98 00:05:39,240 --> 00:05:42,520 Speaker 3: say exactly what I would say. She'd say, I saw 99 00:05:42,680 --> 00:05:45,360 Speaker 3: how hard this year was for you, and you still 100 00:05:45,400 --> 00:05:49,200 Speaker 3: showed up. You legend, And that's exactly what I'm saying 101 00:05:49,240 --> 00:05:51,920 Speaker 3: to you right now. This year was not about wins 102 00:05:51,960 --> 00:05:55,000 Speaker 3: and losses. It was about the invisible work that you 103 00:05:55,040 --> 00:05:58,200 Speaker 3: did just to keep going, the boundaries that you set, 104 00:05:58,680 --> 00:06:01,040 Speaker 3: the boundaries that you really try hard to keep, the 105 00:06:01,080 --> 00:06:04,279 Speaker 3: habits that you tried, the moments that you chose rest 106 00:06:04,600 --> 00:06:07,280 Speaker 3: over burnout, the time that you said no even though 107 00:06:07,320 --> 00:06:10,000 Speaker 3: you were very scared you were terrified, or that you 108 00:06:10,040 --> 00:06:14,280 Speaker 3: felt like you were disappointing someone, and the relationships you protected, 109 00:06:15,279 --> 00:06:18,880 Speaker 3: maybe even the relationships you walked away from. The clarity 110 00:06:18,880 --> 00:06:21,880 Speaker 3: that you gained, the softness that you rediscovered, the parts 111 00:06:21,920 --> 00:06:24,920 Speaker 3: of yourself that you have ultimately outgrown in the last 112 00:06:24,920 --> 00:06:27,919 Speaker 3: twelve months, the parts of yourself that you feel like 113 00:06:28,000 --> 00:06:30,919 Speaker 3: you might have come home to now. I want you 114 00:06:30,960 --> 00:06:32,800 Speaker 3: to try something with me, bear with me, please, and 115 00:06:32,839 --> 00:06:35,200 Speaker 3: maybe entertain me on this one. I want you to 116 00:06:35,279 --> 00:06:37,520 Speaker 3: think of just one thing from this year that you 117 00:06:37,960 --> 00:06:40,680 Speaker 3: are personally proud of. Maybe it's not an obvious thing, 118 00:06:41,120 --> 00:06:43,640 Speaker 3: not maybe something that goes on a CV, but like 119 00:06:43,720 --> 00:06:46,640 Speaker 3: a quiet thing. Maybe it's the moment where you showed 120 00:06:46,640 --> 00:06:50,560 Speaker 3: yourself strength or softness or honesty or maybe even courage, 121 00:06:50,960 --> 00:06:53,919 Speaker 3: even if nobody else noticed, have you got it? I 122 00:06:53,960 --> 00:06:55,800 Speaker 3: want you to hold onto it. Maybe you pause the 123 00:06:55,800 --> 00:06:58,000 Speaker 3: podcast and have a little bit of a think about it, 124 00:06:58,080 --> 00:07:02,120 Speaker 3: because that thing is is proof that growth doesn't always 125 00:07:02,120 --> 00:07:05,719 Speaker 3: look like a milestone. Sometimes it's just choosing yourself in 126 00:07:05,760 --> 00:07:09,000 Speaker 3: a tiny moment that maybe nobody else noticed, but you did, 127 00:07:09,279 --> 00:07:12,640 Speaker 3: and that's what contributed to your growth. I really hope 128 00:07:12,640 --> 00:07:15,640 Speaker 3: you can find something that you can grasp onto that's 129 00:07:15,680 --> 00:07:17,840 Speaker 3: going to give you enough space to let that moment 130 00:07:18,000 --> 00:07:22,360 Speaker 3: rise to the surface, because those quiet winds matter, honestly, 131 00:07:22,720 --> 00:07:25,280 Speaker 3: so much more than you realize. They're the things that 132 00:07:25,320 --> 00:07:29,200 Speaker 3: build your confidence really slowly, not in the loud, instagrammable ways, 133 00:07:29,240 --> 00:07:33,200 Speaker 3: but in the quiet rewiring of how you personally treat yourself. 134 00:07:34,200 --> 00:07:36,440 Speaker 3: Something else I want you to hear before this year 135 00:07:36,560 --> 00:07:40,400 Speaker 3: ends is when January rolls around, you don't need to 136 00:07:40,400 --> 00:07:44,320 Speaker 3: reinvent yourself. You do not need a color coded plan 137 00:07:44,600 --> 00:07:47,600 Speaker 3: twenty twenty six. You don't need to become a brand 138 00:07:47,600 --> 00:07:50,600 Speaker 3: new person at midnight. You don't suddenly become worthy because 139 00:07:50,600 --> 00:07:54,760 Speaker 3: of calendar resets. You are worthy, You were always worthy. 140 00:07:55,120 --> 00:07:57,160 Speaker 3: You get to grow at the pace that feels kind. 141 00:07:57,640 --> 00:08:00,440 Speaker 3: You get to choose a soft little rece If you 142 00:08:00,480 --> 00:08:03,440 Speaker 3: want to reset at all, you get to take one tiny, 143 00:08:03,600 --> 00:08:06,160 Speaker 3: intentional step instead of trying to change your whole life 144 00:08:06,160 --> 00:08:09,840 Speaker 3: in one goal. That's silly. Maybe for you, next year 145 00:08:10,040 --> 00:08:13,560 Speaker 3: isn't about major overhaul. Maybe it won't be dramatic or 146 00:08:13,680 --> 00:08:18,680 Speaker 3: esthetic or goal heavy. Maybe next year is about steadiness. 147 00:08:18,720 --> 00:08:23,080 Speaker 3: Maybe it's about consistency or rebuilding your confidence slowly, or 148 00:08:23,080 --> 00:08:26,360 Speaker 3: maybe finding your joy again, because that's what it's going 149 00:08:26,400 --> 00:08:29,640 Speaker 3: to be for me. Future you doesn't need you to 150 00:08:29,680 --> 00:08:32,320 Speaker 3: be perfect next year. She doesn't need you to hustle 151 00:08:32,360 --> 00:08:35,720 Speaker 3: yourself into exhaustion, I promise. She doesn't need you to 152 00:08:35,800 --> 00:08:39,760 Speaker 3: have absolutely everything sortered. You know what she needs. She 153 00:08:39,840 --> 00:08:42,760 Speaker 3: just needs you to keep showing up, to keep caring, 154 00:08:43,280 --> 00:08:47,920 Speaker 3: to keep trying in whatever capacity you have. And you've 155 00:08:47,920 --> 00:08:50,160 Speaker 3: already done that. You've already proven that you can do 156 00:08:50,280 --> 00:08:53,559 Speaker 3: that because you made it through this year, every single 157 00:08:53,600 --> 00:08:58,079 Speaker 3: little messy bit, every surprise cost, every unexpected life tea tour, 158 00:08:58,280 --> 00:09:01,400 Speaker 3: every I'm just really doing my best or I'm trying 159 00:09:01,440 --> 00:09:04,200 Speaker 3: to do my mess moment. And before we wrap up 160 00:09:04,240 --> 00:09:06,720 Speaker 3: as well, I just I really want to say thank you, 161 00:09:07,360 --> 00:09:09,680 Speaker 3: thank you for being here, thank you for trusting me 162 00:09:09,760 --> 00:09:13,200 Speaker 3: with your money stories, your fears, your dreams, your winds, 163 00:09:13,440 --> 00:09:16,800 Speaker 3: your unhinged Instagram messages. I love them. Thank you for 164 00:09:17,000 --> 00:09:19,720 Speaker 3: listening on your commute or your walk, or you hide 165 00:09:19,720 --> 00:09:21,720 Speaker 3: from the kids in the pantry while you're eating the 166 00:09:21,760 --> 00:09:24,760 Speaker 3: snacks you told them you didn't have. Thank you for 167 00:09:24,840 --> 00:09:28,840 Speaker 3: letting this community be part of your life. This community 168 00:09:29,000 --> 00:09:31,640 Speaker 3: is the heart of literally everything I do. And I'm 169 00:09:31,679 --> 00:09:34,920 Speaker 3: just I'm so incredibly grateful for you. And just so 170 00:09:35,040 --> 00:09:38,240 Speaker 3: you know, I'm not going anywhere in January. We are here, 171 00:09:38,559 --> 00:09:41,040 Speaker 3: we are with you. We're not hitting pause, we're not 172 00:09:41,160 --> 00:09:45,280 Speaker 3: having a podcast break, We're not disappearing because we believe 173 00:09:45,280 --> 00:09:48,800 Speaker 3: in you as you are. You are learning, you are growing, healing, 174 00:09:48,960 --> 00:09:53,360 Speaker 3: trying rebuilding, becoming more confident with every conversation and every 175 00:09:53,360 --> 00:09:57,120 Speaker 3: small decision. Everything that my team and I create next 176 00:09:57,160 --> 00:10:01,000 Speaker 3: month and every month after is centered around you feeling confident, 177 00:10:01,520 --> 00:10:04,520 Speaker 3: You're feeling supported, and you being empowered with your money. But, 178 00:10:04,679 --> 00:10:07,840 Speaker 3: my friend, it's not in a pressure filled way, but marena, grounded, 179 00:10:07,920 --> 00:10:11,040 Speaker 3: real life. I've got your back, my friend away. So 180 00:10:11,400 --> 00:10:14,080 Speaker 3: as we step into a new year, here's what I 181 00:10:14,200 --> 00:10:17,079 Speaker 3: really want you to carry with you. You're not behind 182 00:10:17,440 --> 00:10:21,600 Speaker 3: you're not late. You're not starting from nothing. You're starting 183 00:10:21,640 --> 00:10:25,680 Speaker 3: from here. You're starting from experience, from everything. This year 184 00:10:25,720 --> 00:10:28,360 Speaker 3: taught you every single thing you survived, every single thing 185 00:10:28,400 --> 00:10:32,079 Speaker 3: you navigated, everything you learned about who you are and 186 00:10:32,120 --> 00:10:35,600 Speaker 3: what you value. And I am so unbelievably proud of you. 187 00:10:42,240 --> 00:10:44,760 Speaker 4: The advice shared on She's on the Money is general 188 00:10:44,840 --> 00:10:48,679 Speaker 4: in nature and does not consider your individual circumstances. She's 189 00:10:48,720 --> 00:10:52,200 Speaker 4: on the Money exists purely for educational purposes and should 190 00:10:52,200 --> 00:10:55,400 Speaker 4: not be relied upon to make an investment or financial decision. 191 00:10:55,760 --> 00:10:58,240 Speaker 4: If you do choose to buy a financial product, read 192 00:10:58,240 --> 00:11:01,880 Speaker 4: the PDS TMD and inappropriate financial advice. 193 00:11:01,600 --> 00:11:02,960 Speaker 3: Tailored towards your needs. 194 00:11:03,320 --> 00:11:07,280 Speaker 4: Victoria Divine and She's on the Money are authorized representatives 195 00:11:07,320 --> 00:11:09,680 Speaker 4: of Money sherper P T Y L t D A 196 00:11:09,800 --> 00:11:12,720 Speaker 4: b N three two one six four nine two seven 197 00:11:12,800 --> 00:11:15,680 Speaker 4: seven zero eight a F s L four five one 198 00:11:15,840 --> 00:11:17,280 Speaker 4: two eight nine