1 00:00:00,280 --> 00:00:03,000 Speaker 1: If I said to you, hey, if you start at 2 00:00:03,000 --> 00:00:06,720 Speaker 1: the age of twenty and start investing in yourself, and 3 00:00:06,920 --> 00:00:11,160 Speaker 1: you know, putting five hundred dollars into an investment portfolio 4 00:00:11,200 --> 00:00:13,440 Speaker 1: at the age of twenty each and every single month, 5 00:00:13,640 --> 00:00:17,040 Speaker 1: by the time you get to your retirement, you would 6 00:00:17,040 --> 00:00:29,479 Speaker 1: have an investment portfolio worth one point two million dollars. 7 00:00:32,400 --> 00:00:35,960 Speaker 2: Welcome back to the Rise and Conquer Podcast. I'm your host, 8 00:00:36,040 --> 00:00:41,239 Speaker 2: Georgie Stevenson, former lawyer turned entrepreneur, social media personality and 9 00:00:41,360 --> 00:00:45,680 Speaker 2: personal development junkie. This podcast is for my girl gang 10 00:00:45,720 --> 00:00:49,400 Speaker 2: who want to feed their mind with positive and expansive 11 00:00:49,479 --> 00:00:52,680 Speaker 2: thoughts to help them step into their power and live 12 00:00:52,720 --> 00:00:56,320 Speaker 2: their most authentic life. We chat a variety of topics 13 00:00:56,360 --> 00:01:01,960 Speaker 2: including mindset, business, relationships, health, and so much more. Basically, 14 00:01:02,080 --> 00:01:04,800 Speaker 2: wherever you are on your journey, I want to help 15 00:01:04,840 --> 00:01:08,560 Speaker 2: you feel inspired and empowered to rise up and conquer 16 00:01:08,640 --> 00:01:11,440 Speaker 2: your next bold move. I know that's going to look 17 00:01:11,480 --> 00:01:14,480 Speaker 2: different for everyone, but just no, I'm right here by 18 00:01:14,520 --> 00:01:18,000 Speaker 2: your side, and that you have the RNC community behind you. 19 00:01:18,640 --> 00:01:19,479 Speaker 3: Let's do this. 20 00:01:27,040 --> 00:01:30,600 Speaker 2: Hello and welcome back to the Rise and Conquered Podcast. 21 00:01:31,080 --> 00:01:33,839 Speaker 2: Today we are joined by the host of the Shes 22 00:01:33,920 --> 00:01:37,679 Speaker 2: on the Money podcast Victoria Divine. If you haven't heard 23 00:01:37,720 --> 00:01:41,600 Speaker 2: of Victoria, she is a multi award winning financial advisor 24 00:01:41,959 --> 00:01:46,280 Speaker 2: who is transforming the way millennials think about money. She 25 00:01:46,440 --> 00:01:50,000 Speaker 2: recently wrote a book called She's on the Money and 26 00:01:50,160 --> 00:01:52,760 Speaker 2: oh my god, guys, I've read it could not recommend 27 00:01:52,800 --> 00:01:56,440 Speaker 2: it enough. So it's a book where she breaks down tips, tricks, 28 00:01:56,480 --> 00:02:00,320 Speaker 2: and money hacks for millennials to start saving, investing, and 29 00:02:00,360 --> 00:02:05,240 Speaker 2: growing their wealth. In today's chat, we chat about money stories, 30 00:02:05,680 --> 00:02:09,880 Speaker 2: Victoria spills the beans on her best budgeting and saving hacks, 31 00:02:10,280 --> 00:02:13,760 Speaker 2: and we also touch on managing your money and preparing 32 00:02:13,840 --> 00:02:18,080 Speaker 2: for the future. I absolutely loved this episode and I 33 00:02:18,160 --> 00:02:21,040 Speaker 2: really think you guys will get so much out of it. 34 00:02:21,040 --> 00:02:23,760 Speaker 2: It is such a good episode if you are just 35 00:02:23,800 --> 00:02:26,560 Speaker 2: starting with your money journey, or even if you've been 36 00:02:26,600 --> 00:02:29,760 Speaker 2: budgeting for a while and you want to do it differently. 37 00:02:30,440 --> 00:02:33,760 Speaker 2: So this chat was super informative. I will leave all 38 00:02:33,840 --> 00:02:36,840 Speaker 2: links in the show notes for her book, which is 39 00:02:37,040 --> 00:02:41,239 Speaker 2: now live, and let's get straight into the show. Welcome 40 00:02:41,280 --> 00:02:43,120 Speaker 2: to the Rise and Conquer podcast. 41 00:02:43,600 --> 00:02:46,200 Speaker 3: Hello, how are you? I'm good? 42 00:02:46,360 --> 00:02:46,880 Speaker 2: How are you? 43 00:02:47,200 --> 00:02:49,119 Speaker 3: I am good? Excited to be here. 44 00:02:49,680 --> 00:02:53,680 Speaker 2: We are very excited to have you and a big 45 00:02:53,760 --> 00:02:55,440 Speaker 2: congratulations on the book. 46 00:02:55,960 --> 00:02:58,760 Speaker 3: Thank you. I'm so excited it's finally come out. 47 00:02:59,240 --> 00:03:01,640 Speaker 2: Has it been a long process. 48 00:03:01,040 --> 00:03:04,000 Speaker 3: A massive process. It's taken me about two years to 49 00:03:04,040 --> 00:03:04,680 Speaker 3: get to this. 50 00:03:04,680 --> 00:03:07,880 Speaker 1: Point, which is a lot longer than I had anticipated. 51 00:03:08,919 --> 00:03:09,760 Speaker 3: But that's all right. 52 00:03:10,200 --> 00:03:12,720 Speaker 2: That's like one of the number one things I hear 53 00:03:12,760 --> 00:03:15,840 Speaker 2: about our book is the process takes a lot longer 54 00:03:15,880 --> 00:03:20,440 Speaker 2: than you think. But we will get into your book 55 00:03:20,520 --> 00:03:23,120 Speaker 2: and all your amazing tips. But before we do, for 56 00:03:23,240 --> 00:03:26,200 Speaker 2: the listeners who may not know who you are, could 57 00:03:26,240 --> 00:03:28,440 Speaker 2: you give us a bit of a snapshot. 58 00:03:28,240 --> 00:03:31,040 Speaker 3: I can so for those of you who haven't met me. 59 00:03:31,440 --> 00:03:34,520 Speaker 1: My name's Victoria Devine and I am a financial advisor 60 00:03:34,639 --> 00:03:38,000 Speaker 1: based in Melbourne and I'm the founder of She's on 61 00:03:38,040 --> 00:03:40,480 Speaker 1: the Money. So that is a podcast we get about 62 00:03:40,480 --> 00:03:44,080 Speaker 1: a million downloads every single month and a community online 63 00:03:44,360 --> 00:03:47,240 Speaker 1: where we just talk about financial freedom and have good 64 00:03:47,320 --> 00:03:49,640 Speaker 1: money chats. And it's kind of just gone a bit 65 00:03:49,680 --> 00:03:53,160 Speaker 1: bananas over the last twelve months, and I guess that's 66 00:03:53,240 --> 00:03:55,960 Speaker 1: led me to having a book and getting to tell 67 00:03:56,040 --> 00:03:58,440 Speaker 1: people that I'm an author, which I think is so 68 00:03:58,800 --> 00:04:01,960 Speaker 1: exciting and I'm genuine so grateful that I have a 69 00:04:01,960 --> 00:04:05,400 Speaker 1: community that's been able to afford me these kind of luxuries. 70 00:04:05,480 --> 00:04:08,120 Speaker 1: But that's what I do. I have a wealth business 71 00:04:08,160 --> 00:04:12,360 Speaker 1: down here in Melbourne. I don't work for somebody else. 72 00:04:13,000 --> 00:04:15,080 Speaker 1: And I guess, yeah, that's where She's on the Money 73 00:04:15,120 --> 00:04:17,320 Speaker 1: has come from. It's just come from me wanting to 74 00:04:17,360 --> 00:04:20,120 Speaker 1: have more money chance and trying to get more people 75 00:04:20,160 --> 00:04:23,120 Speaker 1: to talk about money in a more open and comfortable 76 00:04:23,160 --> 00:04:24,920 Speaker 1: way because I don't think we're doing that. 77 00:04:25,240 --> 00:04:26,159 Speaker 3: As well as we could. 78 00:04:26,600 --> 00:04:29,400 Speaker 1: So yeah, that's me, That's what I get up too. 79 00:04:30,560 --> 00:04:34,040 Speaker 2: And yeah, I absolutely love that because I think sometimes 80 00:04:34,080 --> 00:04:37,440 Speaker 2: money can be such a taboo topic. And on the 81 00:04:37,480 --> 00:04:41,640 Speaker 2: pod here we're big on talking about money, being comfortable 82 00:04:41,760 --> 00:04:45,919 Speaker 2: with money, getting you know, a healthy money mindset. So 83 00:04:46,080 --> 00:04:49,280 Speaker 2: I absolutely love that you have a whole podcast dedicated 84 00:04:49,520 --> 00:04:52,160 Speaker 2: on that. And can you tell us a little bit 85 00:04:52,200 --> 00:04:54,080 Speaker 2: about what your new book is on, So. 86 00:04:54,200 --> 00:04:59,960 Speaker 1: She's on the Money is a Millennials Guide to financial conversations. Essentially, 87 00:05:00,080 --> 00:05:02,000 Speaker 1: it's going to enable you to take charge of your 88 00:05:02,040 --> 00:05:05,360 Speaker 1: financial future. And I started it off the back of 89 00:05:05,400 --> 00:05:09,360 Speaker 1: the podcast right there just wasn't there weren't any resources 90 00:05:09,360 --> 00:05:11,760 Speaker 1: that I felt comfortable really recommending and saying, hey, guys, 91 00:05:11,760 --> 00:05:13,839 Speaker 1: you keep asking for a book, Here's the one that 92 00:05:13,880 --> 00:05:16,479 Speaker 1: I think you should pick up first. So it was 93 00:05:16,520 --> 00:05:18,680 Speaker 1: the thing that I thought I could have a really 94 00:05:18,680 --> 00:05:21,320 Speaker 1: good impact in. The idea of the book is to 95 00:05:21,360 --> 00:05:24,680 Speaker 1: be relatable and motivating and non judgmental, and I want 96 00:05:24,680 --> 00:05:27,159 Speaker 1: you guys to be able to really absorb all of 97 00:05:27,200 --> 00:05:30,720 Speaker 1: that information because it's not something that we should miss 98 00:05:30,760 --> 00:05:32,800 Speaker 1: out on just because it's always been a man's world 99 00:05:32,839 --> 00:05:35,520 Speaker 1: and a conversation that we didn't feel like we had 100 00:05:35,560 --> 00:05:38,080 Speaker 1: a seat at the table for. So for me, this 101 00:05:38,120 --> 00:05:42,000 Speaker 1: book is all about taking finances seriously and taking control 102 00:05:42,040 --> 00:05:43,880 Speaker 1: of them without skipping on brunch. 103 00:05:45,080 --> 00:05:48,880 Speaker 2: I absolutely love that tagline. And I said to Victoria 104 00:05:49,000 --> 00:05:52,520 Speaker 2: off Air, how much I loved the book because you 105 00:05:52,680 --> 00:05:59,039 Speaker 2: really do incorporate I guess that lifestyle factor of realizing that, 106 00:05:59,480 --> 00:06:02,920 Speaker 2: you know, especially millennials, like, yeah, we want to save 107 00:06:03,000 --> 00:06:05,800 Speaker 2: money and we want to buy a first house and 108 00:06:05,839 --> 00:06:09,559 Speaker 2: we want to be smart, but also I don't want 109 00:06:09,600 --> 00:06:11,919 Speaker 2: to not live my life and not go out for 110 00:06:12,000 --> 00:06:14,680 Speaker 2: brunch and not get avocado on do I know. 111 00:06:15,080 --> 00:06:16,440 Speaker 3: Like that is dry? 112 00:06:16,680 --> 00:06:19,080 Speaker 1: Why would we want to listen to anyone that says 113 00:06:19,080 --> 00:06:22,000 Speaker 1: we can't have smashed our boat? And coffees and live 114 00:06:22,000 --> 00:06:24,120 Speaker 1: our lives the way we want to. It's about the journey. 115 00:06:24,120 --> 00:06:26,640 Speaker 1: It's not about the destination for me exactly. 116 00:06:26,800 --> 00:06:28,760 Speaker 2: It's funny because I actually went on a walk this 117 00:06:28,800 --> 00:06:32,320 Speaker 2: morning with my girlfriend and before I got there, she 118 00:06:32,360 --> 00:06:33,760 Speaker 2: asked if I want a coffee and I was like, 119 00:06:33,880 --> 00:06:36,520 Speaker 2: oh my god, yes, And so she had a coffee 120 00:06:36,560 --> 00:06:39,599 Speaker 2: waiting for me, and I was like, how, I know, 121 00:06:39,920 --> 00:06:43,880 Speaker 2: beautiful and she's like, how amazing. It is just like 122 00:06:43,960 --> 00:06:47,120 Speaker 2: a warm coffee and she loves this place she's going to, 123 00:06:47,160 --> 00:06:49,520 Speaker 2: and she was saying to me, She's like, oh, you know, 124 00:06:49,640 --> 00:06:51,600 Speaker 2: I probably go there too much and spend a little 125 00:06:51,600 --> 00:06:54,159 Speaker 2: bit too much money on coffee, but it's just so 126 00:06:54,400 --> 00:06:57,680 Speaker 2: worth it for me because that's something that she really treasures. 127 00:06:58,160 --> 00:07:00,839 Speaker 2: And I so love it that hundred percent, Like I 128 00:07:00,880 --> 00:07:03,520 Speaker 2: love that where it's like, yeah, there's certain stuff I 129 00:07:03,560 --> 00:07:05,719 Speaker 2: want to spend my money on and I don't want 130 00:07:05,720 --> 00:07:07,479 Speaker 2: it to just be completely dry. 131 00:07:07,880 --> 00:07:08,760 Speaker 3: I agree with that. 132 00:07:08,839 --> 00:07:12,680 Speaker 1: And the coffee point is so poignant, right because so 133 00:07:12,720 --> 00:07:15,840 Speaker 1: many financial advisors will calculate how much you can save 134 00:07:15,840 --> 00:07:19,040 Speaker 1: any gear by cutting coffee out, and that's great, like 135 00:07:19,080 --> 00:07:21,720 Speaker 1: that's really interesting, but you will have to pry my 136 00:07:21,760 --> 00:07:24,480 Speaker 1: coffee cup from my cold dead hands, because that is 137 00:07:24,520 --> 00:07:26,680 Speaker 1: the one thing that starts toy in the morning for me, 138 00:07:26,800 --> 00:07:28,880 Speaker 1: and I love my walk with my dog and my 139 00:07:29,000 --> 00:07:32,600 Speaker 1: partner and grabbing a coffee at the cafe. And for me, 140 00:07:33,200 --> 00:07:36,200 Speaker 1: that's absolutely an investment in my mental health and my 141 00:07:36,320 --> 00:07:39,840 Speaker 1: wellbeing and my relationship. So for me, that's the one 142 00:07:39,840 --> 00:07:43,560 Speaker 1: thing I won't fold on. You could say. Whereas if 143 00:07:43,600 --> 00:07:45,720 Speaker 1: you said to me, hey, Victoria Lak, do you want 144 00:07:45,720 --> 00:07:48,480 Speaker 1: to get rid of something different or a streaming service, 145 00:07:48,560 --> 00:07:51,000 Speaker 1: or how are you going to save money? Well, I'll 146 00:07:51,040 --> 00:07:53,920 Speaker 1: look at something else that maybe aligns better to my 147 00:07:54,040 --> 00:07:57,600 Speaker 1: values than you taking away that coffee time. Because it's right, 148 00:07:57,800 --> 00:08:01,560 Speaker 1: it's not usually about the actual items. It's about the experience, 149 00:08:01,640 --> 00:08:03,559 Speaker 1: it's about who you do it with, and it's about 150 00:08:03,600 --> 00:08:05,760 Speaker 1: what value it adds to your life. And I think 151 00:08:05,800 --> 00:08:09,400 Speaker 1: that it's really unfair to not be in a situation 152 00:08:09,440 --> 00:08:11,960 Speaker 1: where that's taken into consideration when it comes to money, 153 00:08:11,960 --> 00:08:14,920 Speaker 1: because the world goes around because of money. But why 154 00:08:14,960 --> 00:08:17,760 Speaker 1: would we want to make a plan that doesn't feel comfy, 155 00:08:17,880 --> 00:08:20,360 Speaker 1: that doesn't feel homely, that's not sustainable. 156 00:08:20,640 --> 00:08:23,600 Speaker 2: Yes, And I think also a huge thing which you 157 00:08:23,720 --> 00:08:28,360 Speaker 2: touch on is about everyone's values are different. So you know, 158 00:08:28,560 --> 00:08:31,200 Speaker 2: there could be someone who, yeah, they don't value their 159 00:08:31,200 --> 00:08:33,520 Speaker 2: coffee and they're like, yeah, I could definitely go without 160 00:08:33,640 --> 00:08:35,880 Speaker 2: their expense, but people like me and you who are 161 00:08:35,880 --> 00:08:39,040 Speaker 2: like no, that is an experience and we all have 162 00:08:39,160 --> 00:08:43,680 Speaker 2: different values. Well, let's get into your book. So obviously, guys, 163 00:08:44,160 --> 00:08:47,200 Speaker 2: I've read this book. It's amazing. I could not recommend 164 00:08:47,200 --> 00:08:51,320 Speaker 2: it enough, which is why is on the pod. I 165 00:08:51,360 --> 00:08:53,640 Speaker 2: want to share it, and so obviously you guys go 166 00:08:53,800 --> 00:08:56,600 Speaker 2: get the book. I will make sure it's out when 167 00:08:56,600 --> 00:09:00,559 Speaker 2: this episode goes out, which I know comes out very soon. 168 00:09:01,200 --> 00:09:04,800 Speaker 2: And also I wanted to chat to you about some 169 00:09:04,880 --> 00:09:06,959 Speaker 2: of the concepts, so we'll go into a little bit. 170 00:09:07,280 --> 00:09:10,520 Speaker 2: But again, guys, were just brushing the surface. And if 171 00:09:10,559 --> 00:09:14,839 Speaker 2: you resonating with this, you're loving what Victoria is saying. 172 00:09:15,120 --> 00:09:16,560 Speaker 2: Make sure you go check out her book. 173 00:09:17,160 --> 00:09:19,800 Speaker 3: Okay, it's Jnthy and I'm excited about this. What do 174 00:09:19,840 --> 00:09:20,400 Speaker 3: you want to know? 175 00:09:21,840 --> 00:09:25,320 Speaker 2: Well, I absolutely loved that. I opened up the book 176 00:09:25,440 --> 00:09:28,520 Speaker 2: and one of the first things you spoke about was 177 00:09:28,640 --> 00:09:32,360 Speaker 2: money stories and money mindset, which is actually something I've 178 00:09:32,440 --> 00:09:35,120 Speaker 2: chatted to my audience about. So they'll kind of know it, 179 00:09:35,160 --> 00:09:38,520 Speaker 2: but could you just kind of skim on top and 180 00:09:38,640 --> 00:09:41,480 Speaker 2: go over the reason why. Firstly, you put this at 181 00:09:41,520 --> 00:09:46,280 Speaker 2: the start of the book, and I go into why 182 00:09:46,480 --> 00:09:50,040 Speaker 2: our money stories and our relationship money with money is 183 00:09:50,080 --> 00:09:51,760 Speaker 2: going to be so important. 184 00:09:51,880 --> 00:09:55,240 Speaker 1: Yeah, So for me, money mindset and money stories had 185 00:09:55,280 --> 00:09:57,760 Speaker 1: to non negotiably go at the front because if we 186 00:09:57,800 --> 00:10:01,880 Speaker 1: don't understand this about ourselves, can't actually create sustainable and 187 00:10:01,960 --> 00:10:05,120 Speaker 1: lasting change. We can't have the impact we want to have. 188 00:10:05,600 --> 00:10:08,560 Speaker 1: And money stories, for me, they're the thoughts, that values, 189 00:10:08,600 --> 00:10:12,160 Speaker 1: the beliefs, and the behaviors that you do in relation 190 00:10:12,280 --> 00:10:15,040 Speaker 1: to money. And the crazy thing about money stories is 191 00:10:15,480 --> 00:10:18,120 Speaker 1: everybody has one, and they're all different. It's the way 192 00:10:18,160 --> 00:10:21,080 Speaker 1: we grew up around money and where we collected those 193 00:10:21,080 --> 00:10:24,760 Speaker 1: thoughts and those values from. And they actually start at 194 00:10:24,760 --> 00:10:27,679 Speaker 1: the age of seven. So when you are growing up, 195 00:10:27,720 --> 00:10:30,520 Speaker 1: you're picking up small nuances about how your parents or 196 00:10:30,559 --> 00:10:33,680 Speaker 1: guardians or family members or friends talk about money and 197 00:10:33,720 --> 00:10:37,439 Speaker 1: interact with money, and then that leads to us feeling 198 00:10:37,480 --> 00:10:40,280 Speaker 1: a certain way when it comes to money conversations. So 199 00:10:40,400 --> 00:10:43,240 Speaker 1: if you grew up in a house where frugality was 200 00:10:43,320 --> 00:10:46,320 Speaker 1: rife and there wasn't always enough money to go around. 201 00:10:46,559 --> 00:10:50,080 Speaker 1: When somebody mentioned salary or pay or income, you might 202 00:10:50,120 --> 00:10:51,959 Speaker 1: feel a little bit sick in your tummy and you 203 00:10:52,040 --> 00:10:54,520 Speaker 1: might not want to talk about it because money's always 204 00:10:54,520 --> 00:10:57,200 Speaker 1: been a bit of a taboo topic that nobody's really 205 00:10:57,240 --> 00:10:59,920 Speaker 1: comfortable about. But if you grew up in a wealthy house, 206 00:11:00,480 --> 00:11:02,960 Speaker 1: then more likely than not, you're going to feel really 207 00:11:02,960 --> 00:11:05,440 Speaker 1: comfortable talking about money, and you'll wonder why other people 208 00:11:05,559 --> 00:11:09,040 Speaker 1: have an issue talking about it and leading into your 209 00:11:09,080 --> 00:11:12,480 Speaker 1: conversation about how this impacts relationships. If you're go into 210 00:11:12,520 --> 00:11:16,120 Speaker 1: a relationship and you both have different money stories, it 211 00:11:16,160 --> 00:11:19,800 Speaker 1: creates friction around the way that you make money decisions, 212 00:11:19,960 --> 00:11:22,760 Speaker 1: So you might not understand why you're so good at 213 00:11:22,760 --> 00:11:25,520 Speaker 1: saving and putting money away and planning, and your partner 214 00:11:25,840 --> 00:11:29,280 Speaker 1: doesn't save, and you know, just spends money, and it 215 00:11:29,320 --> 00:11:33,160 Speaker 1: can become something that you know really negatively impacts your relationship. 216 00:11:33,400 --> 00:11:36,840 Speaker 1: But if you understand the driving force behind those arguments 217 00:11:36,880 --> 00:11:41,360 Speaker 1: and behind that conversation, you can actually be constructive. And 218 00:11:41,440 --> 00:11:44,120 Speaker 1: in the book, I liken it to a map. If 219 00:11:44,120 --> 00:11:46,480 Speaker 1: I gave you a map and said, hey, I'm going 220 00:11:46,520 --> 00:11:48,640 Speaker 1: to drive to your house, but I don't know where 221 00:11:48,640 --> 00:11:51,679 Speaker 1: I'm starting from. It makes absolutely no sense as to 222 00:11:51,760 --> 00:11:53,600 Speaker 1: how I'd get there. I might be able to say 223 00:11:53,600 --> 00:11:56,199 Speaker 1: really clearly, all right, well this is where Georgie lives, 224 00:11:56,720 --> 00:11:58,920 Speaker 1: but I don't know where I'm starting from. So I 225 00:11:58,920 --> 00:12:01,240 Speaker 1: could end up in Darwood or Perth if I started 226 00:12:01,320 --> 00:12:04,320 Speaker 1: driving there right Whereas if I know exactly where I'm 227 00:12:04,360 --> 00:12:06,440 Speaker 1: starting from and the thoughts and the values and the 228 00:12:06,440 --> 00:12:10,120 Speaker 1: beliefs I have around money, then creating that plan to 229 00:12:10,200 --> 00:12:12,520 Speaker 1: get to the destination we want to go to, it 230 00:12:12,600 --> 00:12:14,400 Speaker 1: becomes so much easier. 231 00:12:14,600 --> 00:12:18,560 Speaker 2: That's so interesting, And I love that example, and I 232 00:12:18,600 --> 00:12:23,160 Speaker 2: couldn't agree more. I have like my personal money story 233 00:12:23,520 --> 00:12:27,840 Speaker 2: was much like the first example, where I guess I 234 00:12:27,880 --> 00:12:32,240 Speaker 2: did feel very comfortable about talking about money, but I 235 00:12:32,480 --> 00:12:36,320 Speaker 2: had these hung up stories because my parents came from 236 00:12:36,360 --> 00:12:41,800 Speaker 2: nothing and worked really hard and did create wealth. But 237 00:12:42,040 --> 00:12:46,040 Speaker 2: I had this huge I guess block around you have 238 00:12:46,120 --> 00:12:49,040 Speaker 2: to work really hard and you can have wealth, but 239 00:12:49,080 --> 00:12:51,640 Speaker 2: it's got to be this like struggle, and then once 240 00:12:51,679 --> 00:12:53,600 Speaker 2: you have it, you've got to keep all your money. 241 00:12:53,679 --> 00:12:57,040 Speaker 2: And kind of these stories that I had to really unblock. 242 00:12:58,240 --> 00:13:00,320 Speaker 2: So could you give us a little bit of So 243 00:13:00,400 --> 00:13:03,800 Speaker 2: let's say someone they've acknowledged okay, I've got a money 244 00:13:03,920 --> 00:13:07,480 Speaker 2: belief out, what's something they can do to kind of 245 00:13:07,600 --> 00:13:10,360 Speaker 2: help change that belief or even just start the process. 246 00:13:10,679 --> 00:13:13,200 Speaker 1: Yes, so you would know from the book that beliefs 247 00:13:13,240 --> 00:13:16,440 Speaker 1: and values are very different. So we could value something 248 00:13:16,480 --> 00:13:19,959 Speaker 1: about money but have an underlying belief that actually stops 249 00:13:20,040 --> 00:13:24,160 Speaker 1: us from achieving any kind of progress towards that value. 250 00:13:24,360 --> 00:13:27,199 Speaker 1: So for me, it's actually about acknowledging it and moving on. 251 00:13:27,520 --> 00:13:30,160 Speaker 1: It is not about hanging ourselves up and being like, 252 00:13:30,200 --> 00:13:32,240 Speaker 1: oh my gosh, I didn't realize that I had this 253 00:13:32,360 --> 00:13:35,120 Speaker 1: horrible money story and this is the worst It's set 254 00:13:35,160 --> 00:13:38,280 Speaker 1: me up, so I'm not going to be successful. Like, 255 00:13:38,400 --> 00:13:41,320 Speaker 1: we can create our own success, and we can create 256 00:13:41,360 --> 00:13:44,440 Speaker 1: our own future, but it's really bad to look back 257 00:13:44,440 --> 00:13:47,480 Speaker 1: on it and have any level of judgment on yourself 258 00:13:47,559 --> 00:13:49,800 Speaker 1: about your money beliefs or how you've gotten to where 259 00:13:49,800 --> 00:13:53,080 Speaker 1: you are. I'm a very strong believer in that we 260 00:13:53,120 --> 00:13:55,480 Speaker 1: should be really grateful for past us, and we should 261 00:13:55,520 --> 00:13:58,679 Speaker 1: really be thanking them for the journey they've been on, 262 00:13:58,720 --> 00:14:01,240 Speaker 1: because it's gotten you to you are today, and it's 263 00:14:01,280 --> 00:14:03,080 Speaker 1: gotten you to a point where you are reading this 264 00:14:03,160 --> 00:14:06,160 Speaker 1: book and you are actually having tangible change on your life, 265 00:14:06,559 --> 00:14:10,000 Speaker 1: and instead of you know, holding yourself up hostage and 266 00:14:10,040 --> 00:14:12,200 Speaker 1: saying like, oh my gosh, like my money believes suck 267 00:14:12,280 --> 00:14:15,200 Speaker 1: or this is the worst, it's just acknowledging it, moving 268 00:14:15,240 --> 00:14:17,560 Speaker 1: on that maybe that's not something that you want, and 269 00:14:17,679 --> 00:14:20,520 Speaker 1: working towards what beliefs you do want to have or 270 00:14:20,600 --> 00:14:23,560 Speaker 1: what that is being reframed into. And we talk in 271 00:14:23,560 --> 00:14:25,600 Speaker 1: a book a little bit about reframing and how to 272 00:14:25,680 --> 00:14:28,480 Speaker 1: do that, but I think the most important thing is 273 00:14:28,880 --> 00:14:31,120 Speaker 1: instead of just you know, going all right, well, how 274 00:14:31,120 --> 00:14:32,560 Speaker 1: do I change my money beliefs? 275 00:14:32,680 --> 00:14:33,360 Speaker 3: Well, the first. 276 00:14:33,200 --> 00:14:35,840 Speaker 1: Step there is to not judge past us because they 277 00:14:35,840 --> 00:14:38,480 Speaker 1: were doing the best that they absolutely could with the 278 00:14:38,480 --> 00:14:41,080 Speaker 1: tools and resources they had at the time. And now 279 00:14:41,120 --> 00:14:44,440 Speaker 1: you've got more tools and resources, you can't be mean 280 00:14:44,560 --> 00:14:47,480 Speaker 1: to pass us for you know, not having those at 281 00:14:47,480 --> 00:14:49,840 Speaker 1: the time because they just weren't available. So I think 282 00:14:49,840 --> 00:14:52,080 Speaker 1: it's more about saying, well, okay, I'm not going to 283 00:14:52,160 --> 00:14:54,800 Speaker 1: judge myself on that, but now moving forward, this is 284 00:14:54,840 --> 00:14:56,640 Speaker 1: the belief I want to have. I want to have 285 00:14:56,680 --> 00:14:59,200 Speaker 1: an abundance mindset. I do want to be really open 286 00:14:59,200 --> 00:15:02,520 Speaker 1: about money comp sations, and that is something that we 287 00:15:02,600 --> 00:15:05,360 Speaker 1: all work towards and there's no one way to change that, 288 00:15:05,680 --> 00:15:08,760 Speaker 1: but really embracing it and trying to have more conversations 289 00:15:08,800 --> 00:15:12,600 Speaker 1: about money and you know, test yourself and test your beliefs. 290 00:15:12,840 --> 00:15:15,320 Speaker 1: It's a lot easier said than done, though. Changing a 291 00:15:15,360 --> 00:15:19,200 Speaker 1: money belief can feel really awkward and uncomfortable because it's 292 00:15:19,200 --> 00:15:21,640 Speaker 1: something that you know, one you've never done, and to 293 00:15:22,000 --> 00:15:26,000 Speaker 1: people don't like change. You're comfortable with what you've got 294 00:15:26,080 --> 00:15:28,640 Speaker 1: right now, as much as it might be negative. Your 295 00:15:28,720 --> 00:15:32,600 Speaker 1: comfy there, and change involves some level of discomfort, so 296 00:15:32,640 --> 00:15:35,440 Speaker 1: you've got to be open to experiencing that and putting 297 00:15:35,440 --> 00:15:36,280 Speaker 1: yourself through that. 298 00:15:37,200 --> 00:15:41,240 Speaker 2: I love that, especially the part about being kind to 299 00:15:41,360 --> 00:15:45,400 Speaker 2: your you know, past self because one hundred percent, like 300 00:15:45,400 --> 00:15:48,320 Speaker 2: like you said, you did the best with what you have, 301 00:15:48,720 --> 00:15:51,160 Speaker 2: but now you know different, so you can change and 302 00:15:51,240 --> 00:15:53,520 Speaker 2: move forward. And so could you chat to us a 303 00:15:53,560 --> 00:15:57,720 Speaker 2: little bit about or just give us some examples of 304 00:15:57,920 --> 00:16:01,200 Speaker 2: what are some of your money beliefs that you have 305 00:16:01,480 --> 00:16:05,040 Speaker 2: now you know, really instilled that really serve you. 306 00:16:05,400 --> 00:16:08,560 Speaker 1: So for me, it's an abundance mindset, like there is 307 00:16:08,640 --> 00:16:12,080 Speaker 1: always enough to go around, it's always kind to share. 308 00:16:12,480 --> 00:16:15,960 Speaker 1: And I feel like my money mindset has gone from 309 00:16:16,080 --> 00:16:18,440 Speaker 1: one where you know, I used to be in personal debt. 310 00:16:18,480 --> 00:16:20,320 Speaker 1: This is how I've gotten to where I am today. 311 00:16:20,440 --> 00:16:24,120 Speaker 1: I used to really struggle with money and money money decisions, 312 00:16:24,360 --> 00:16:28,480 Speaker 1: and it was something that I couldn't actually tangibly understand 313 00:16:28,800 --> 00:16:32,040 Speaker 1: because I hadn't actually sat down and thought about it. 314 00:16:32,080 --> 00:16:34,800 Speaker 1: And now I'm more of the mindset where a budget 315 00:16:34,880 --> 00:16:37,800 Speaker 1: is not necessarily something that should restrict me, but really 316 00:16:37,800 --> 00:16:40,440 Speaker 1: helps me achieve my goals and make sure that all 317 00:16:40,440 --> 00:16:42,640 Speaker 1: the money that I'm earning is being spent in line 318 00:16:42,640 --> 00:16:45,480 Speaker 1: with my values. And I can look at that and go, wow, 319 00:16:45,640 --> 00:16:48,120 Speaker 1: is my money being channeled in line with the values 320 00:16:48,160 --> 00:16:51,160 Speaker 1: that I have or not? And that feels really powerful. 321 00:16:51,240 --> 00:16:54,760 Speaker 1: That's something that I really really love doing and I 322 00:16:54,800 --> 00:16:56,720 Speaker 1: want to share that. So I think that that's where 323 00:16:56,760 --> 00:16:59,840 Speaker 1: this has really come from. My money beliefs are definitely 324 00:17:00,080 --> 00:17:02,960 Speaker 1: around abundance and that we can always create more or 325 00:17:03,000 --> 00:17:06,040 Speaker 1: do more or change our situations. And I'm kind of 326 00:17:06,040 --> 00:17:07,840 Speaker 1: hoping that rubs off on a lot of people. 327 00:17:09,320 --> 00:17:12,600 Speaker 2: I absolutely love that, and you can definitely say that 328 00:17:12,600 --> 00:17:18,640 Speaker 2: that's your money mindset, which is such a huge accomplishment. 329 00:17:18,960 --> 00:17:22,840 Speaker 2: And also you were chatting about budgeting, and so let's 330 00:17:22,880 --> 00:17:26,120 Speaker 2: get into that because I'm not gonna lie. I am 331 00:17:26,320 --> 00:17:29,560 Speaker 2: someone who I hear the word budget and I kind 332 00:17:29,560 --> 00:17:32,320 Speaker 2: of run away. Yeah, I'm like, oh, not for me, 333 00:17:32,680 --> 00:17:36,439 Speaker 2: Georgie doesn't budget, Like I'm not gonna lie back in 334 00:17:36,480 --> 00:17:39,919 Speaker 2: the day, Georgie budget, But I just I don't know. 335 00:17:40,080 --> 00:17:43,199 Speaker 2: It does feel constricting. And I guess I do budget 336 00:17:43,240 --> 00:17:46,120 Speaker 2: because I do things in a way with a plan, 337 00:17:46,880 --> 00:17:49,840 Speaker 2: but I don't have rules. So I would love to 338 00:17:50,080 --> 00:17:53,920 Speaker 2: hear what is your ideas on budgeting and you kind 339 00:17:53,920 --> 00:17:56,320 Speaker 2: of did touch on it, and also what would your 340 00:17:56,520 --> 00:18:02,120 Speaker 2: advice be on someone who doesn't necessarcessarily like budgeting and 341 00:18:02,280 --> 00:18:05,320 Speaker 2: kind of, you know, starting it and making it are 342 00:18:05,359 --> 00:18:06,679 Speaker 2: not so bad experience. 343 00:18:07,560 --> 00:18:10,920 Speaker 1: So budgeting is something that so many people shy away 344 00:18:10,920 --> 00:18:14,439 Speaker 1: from because historically it's always been about saying, here's the 345 00:18:14,480 --> 00:18:16,719 Speaker 1: restrictions that we're going to apply to our money so 346 00:18:16,760 --> 00:18:19,320 Speaker 1: we can achieve our goals. And not only does that 347 00:18:19,440 --> 00:18:23,159 Speaker 1: just suck, it feels uncomfortable and we feel restricted and 348 00:18:23,200 --> 00:18:25,400 Speaker 1: we don't feel like we can live our best lives. 349 00:18:25,680 --> 00:18:27,439 Speaker 1: If I said to you, Georgie, all right, you've only 350 00:18:27,440 --> 00:18:29,720 Speaker 1: got one hundred dollars to spend at the grocery shop. 351 00:18:29,760 --> 00:18:33,600 Speaker 1: This week go and make that work. You'd feel restricted 352 00:18:33,680 --> 00:18:35,399 Speaker 1: because I think you're a bit like me, and that 353 00:18:35,600 --> 00:18:38,560 Speaker 1: food is something that I really value and I want 354 00:18:38,600 --> 00:18:41,240 Speaker 1: to spend money on, and that's something where I really 355 00:18:41,280 --> 00:18:43,840 Speaker 1: invest and I actually, you know, I do want to 356 00:18:43,840 --> 00:18:46,320 Speaker 1: buy organic produce, and I do want to cook beautiful 357 00:18:46,320 --> 00:18:48,800 Speaker 1: food for my partner and I and I do buy 358 00:18:48,840 --> 00:18:51,679 Speaker 1: things that maybe other people wouldn't. So for me to 359 00:18:51,760 --> 00:18:54,040 Speaker 1: then say, well, I should only be spending one hundred 360 00:18:54,040 --> 00:18:57,639 Speaker 1: dollars on groceries seems wildly unfair because I'm not living 361 00:18:57,720 --> 00:18:59,680 Speaker 1: my life in line with the values and the things 362 00:18:59,680 --> 00:19:01,919 Speaker 1: that I I care about. So I think that a 363 00:19:02,000 --> 00:19:05,920 Speaker 1: budget when it's restrictive, doesn't actually serve us in any way, 364 00:19:05,920 --> 00:19:09,159 Speaker 1: shape or form. To flip that a little bit. For me, 365 00:19:09,359 --> 00:19:12,600 Speaker 1: a budget is about just understanding where our money is going. 366 00:19:12,760 --> 00:19:15,239 Speaker 1: It's not actually about restricting any of it. It's just 367 00:19:15,359 --> 00:19:18,280 Speaker 1: making sure it is flowing in the right channels. So 368 00:19:18,400 --> 00:19:20,480 Speaker 1: sitting down and having a look at, well, how much 369 00:19:20,520 --> 00:19:22,520 Speaker 1: do I spend on groceries, it might be one hundred 370 00:19:22,560 --> 00:19:25,640 Speaker 1: and fifty dollars And for some people, though I would say, hey, 371 00:19:25,680 --> 00:19:29,320 Speaker 1: Georgie and Victoria, that's crazy. I can you know, personally, 372 00:19:29,400 --> 00:19:31,520 Speaker 1: I just spend sixty bucks on groceries a week and 373 00:19:31,560 --> 00:19:34,440 Speaker 1: that does me like, that's not something that I want 374 00:19:34,480 --> 00:19:37,000 Speaker 1: to do to myself, and there are other places I'd 375 00:19:37,000 --> 00:19:39,840 Speaker 1: prefer to save. So for me, a budget is just 376 00:19:39,960 --> 00:19:42,840 Speaker 1: telling me where my money is going and making sure 377 00:19:42,920 --> 00:19:45,760 Speaker 1: that it is in line with my values. And more 378 00:19:45,760 --> 00:19:48,760 Speaker 1: often than not, the thing you spend the most money on, 379 00:19:49,160 --> 00:19:52,080 Speaker 1: apart from rent or a mortgage repayment, is the thing 380 00:19:52,200 --> 00:19:55,000 Speaker 1: you value the most. So if you go and have 381 00:19:55,040 --> 00:19:57,960 Speaker 1: a look at your budget and you see, wow, I'm 382 00:19:58,000 --> 00:20:02,280 Speaker 1: actually spending most of my money cigarettes, well, my friend, 383 00:20:02,359 --> 00:20:04,679 Speaker 1: that is actually the thing you value the most. And 384 00:20:04,760 --> 00:20:06,560 Speaker 1: if you want to argue that and say no, it's 385 00:20:06,600 --> 00:20:10,320 Speaker 1: not great, change it in your budget. Change that habit, 386 00:20:10,359 --> 00:20:12,600 Speaker 1: because you're saying it's not serving you and it's not 387 00:20:12,680 --> 00:20:15,120 Speaker 1: something that you want to do. It's not something that 388 00:20:15,440 --> 00:20:18,560 Speaker 1: you know you want to engage with. But your budget 389 00:20:18,640 --> 00:20:21,280 Speaker 1: is telling me that that's the thing you value the most. 390 00:20:21,400 --> 00:20:23,840 Speaker 1: And I think that flipping that narrative and giving you 391 00:20:23,960 --> 00:20:27,440 Speaker 1: the power back is really really important because it puts 392 00:20:27,440 --> 00:20:29,600 Speaker 1: you in control. So I think that when it comes 393 00:20:29,640 --> 00:20:32,359 Speaker 1: to budgeting, we all too often jump to well, what 394 00:20:32,400 --> 00:20:34,280 Speaker 1: should I be spending on groceries or what should I 395 00:20:34,280 --> 00:20:37,040 Speaker 1: be spending on rent? That's actually not the question here. 396 00:20:37,080 --> 00:20:39,879 Speaker 1: The question is what do you spend on this? And 397 00:20:40,080 --> 00:20:43,080 Speaker 1: are you happy and comfortable with it, with the values 398 00:20:43,160 --> 00:20:46,960 Speaker 1: and the goals that you have, Because if you tell me, hey, 399 00:20:47,119 --> 00:20:50,480 Speaker 1: I want to save ten thousand dollars this year and 400 00:20:50,760 --> 00:20:53,920 Speaker 1: you actually only have a surplus income of like fifteen 401 00:20:53,960 --> 00:20:57,000 Speaker 1: thousand dollars, you need to make sure that that ten 402 00:20:57,080 --> 00:21:00,520 Speaker 1: thousand dollars is available for you to save. But you've 403 00:21:00,560 --> 00:21:02,919 Speaker 1: got to find it somewhere in your budget, right, So 404 00:21:02,960 --> 00:21:05,159 Speaker 1: where is it being pulled from? Maybe you want to 405 00:21:05,200 --> 00:21:08,280 Speaker 1: start doing at home workouts because you know the gym 406 00:21:08,320 --> 00:21:10,640 Speaker 1: membership that you've got doesn't actually provide a whole heap 407 00:21:10,640 --> 00:21:13,400 Speaker 1: of value and you're super comfortable to do that. Or 408 00:21:13,480 --> 00:21:15,480 Speaker 1: you might be someone who says, no, please don't take 409 00:21:15,480 --> 00:21:17,560 Speaker 1: my gym membership off me. That is the only thing 410 00:21:17,600 --> 00:21:20,000 Speaker 1: that you know keeps me sane. And I get it, 411 00:21:20,240 --> 00:21:22,040 Speaker 1: but I don't think it is there for me to 412 00:21:22,080 --> 00:21:24,720 Speaker 1: have an opinion on what a budget should look like, 413 00:21:25,119 --> 00:21:27,840 Speaker 1: because it's different for everybody, and I think that that's 414 00:21:27,880 --> 00:21:31,040 Speaker 1: the most important thing here. There is no hack to it. 415 00:21:31,040 --> 00:21:34,480 Speaker 1: It's actually about confronting it head on. Too many people 416 00:21:34,480 --> 00:21:36,639 Speaker 1: put their heads in the sand about their budget and 417 00:21:36,720 --> 00:21:40,200 Speaker 1: about what they're actually spending, and that is not serving them. 418 00:21:40,359 --> 00:21:41,879 Speaker 1: So I think if you can put yourself in a 419 00:21:41,880 --> 00:21:44,920 Speaker 1: position where you understand exactly where your money is flowing 420 00:21:45,160 --> 00:21:48,200 Speaker 1: and what value and energy you're giving to that money, 421 00:21:48,560 --> 00:21:51,520 Speaker 1: then we can really start having a tangible impact on 422 00:21:51,720 --> 00:21:54,360 Speaker 1: what you want to do and how you can actually 423 00:21:54,440 --> 00:21:57,560 Speaker 1: change that. Because when it comes to savings hacks, and 424 00:21:57,960 --> 00:22:02,239 Speaker 1: you know sadly there is no one size fits all 425 00:22:02,320 --> 00:22:05,600 Speaker 1: savings hack. It's actually about breaking down a goal so 426 00:22:05,640 --> 00:22:08,960 Speaker 1: that it's intangible, bite sized pieces that you can actually 427 00:22:09,200 --> 00:22:13,240 Speaker 1: understand and actually work towards. Right, And I use the 428 00:22:13,280 --> 00:22:17,359 Speaker 1: example before of if you wanted to save ten thousand dollars, well, 429 00:22:17,359 --> 00:22:20,160 Speaker 1: that's easy, but do you have an extra twenty seven 430 00:22:20,200 --> 00:22:23,560 Speaker 1: dollars fifty every single day to save? Can you actually 431 00:22:23,640 --> 00:22:26,560 Speaker 1: achieve that? Because that's what it's going to take for 432 00:22:26,600 --> 00:22:29,160 Speaker 1: the three hundred and sixty five days in this year, 433 00:22:29,560 --> 00:22:31,520 Speaker 1: That's what it's going to take for you to at 434 00:22:31,520 --> 00:22:33,879 Speaker 1: the end of the twelve months, have a total of 435 00:22:33,920 --> 00:22:37,760 Speaker 1: ten thousand dollars in savings and if you can't achieve that, 436 00:22:37,760 --> 00:22:42,480 Speaker 1: that's actually okay. But don't put a expectation on yourself 437 00:22:42,720 --> 00:22:45,440 Speaker 1: that you might not achieve, because if you put an 438 00:22:45,440 --> 00:22:49,880 Speaker 1: expectation on yourself that is actually unachievable, that's the easiest 439 00:22:49,880 --> 00:22:52,159 Speaker 1: way to fall off track. That's the easiest way to 440 00:22:52,640 --> 00:22:54,960 Speaker 1: feel like we're bad at money, or say oh, I 441 00:22:55,080 --> 00:22:58,400 Speaker 1: always try to save, but I can't. But you say, 442 00:22:58,440 --> 00:23:01,159 Speaker 1: you always try to save, but we don't have a plan, 443 00:23:01,400 --> 00:23:05,159 Speaker 1: and a plan without some kind of action, unfortunately, is 444 00:23:05,320 --> 00:23:06,159 Speaker 1: just a wish. 445 00:23:07,359 --> 00:23:12,239 Speaker 2: Oh so interesting. So really doing it from a like 446 00:23:12,520 --> 00:23:19,119 Speaker 2: backtracking point of view, and also really encompassing your values 447 00:23:19,280 --> 00:23:21,399 Speaker 2: and what's important to you. And I love what you 448 00:23:21,440 --> 00:23:24,800 Speaker 2: said about like looking at it and going okay, you 449 00:23:24,880 --> 00:23:28,159 Speaker 2: know I'm spending sixty dollars in cigarettes each week? Is 450 00:23:28,200 --> 00:23:30,399 Speaker 2: this something I can get on board with or not? 451 00:23:31,280 --> 00:23:34,240 Speaker 1: Yeah, And it's not about judging behaviors. And I guess 452 00:23:34,240 --> 00:23:36,919 Speaker 1: I use cigarettes as a as a you know, a 453 00:23:36,960 --> 00:23:41,919 Speaker 1: tangible example, because most people who do smoke don't actually 454 00:23:41,920 --> 00:23:43,919 Speaker 1: want to be smoking. They're always saying things like, oh, 455 00:23:44,160 --> 00:23:46,000 Speaker 1: you know, when I quit, what I want to do 456 00:23:46,119 --> 00:23:47,840 Speaker 1: is this, And you know I don't value it, but 457 00:23:47,920 --> 00:23:50,320 Speaker 1: I still do it. But what your budget tells me 458 00:23:50,359 --> 00:23:52,560 Speaker 1: in that moment is you do still value it because 459 00:23:52,640 --> 00:23:55,760 Speaker 1: you are channeling all that energy that you have in 460 00:23:55,800 --> 00:23:59,480 Speaker 1: your money story towards that item. And it's going to 461 00:23:59,480 --> 00:24:01,600 Speaker 1: be uncomfort and the change is going to be hard, 462 00:24:01,760 --> 00:24:06,159 Speaker 1: but you are actually prioritizing that still, whether you like 463 00:24:06,200 --> 00:24:06,600 Speaker 1: it or not. 464 00:24:07,600 --> 00:24:14,800 Speaker 2: So interesting, Okay, RNC fam, I'm going too quickly interrupt 465 00:24:14,920 --> 00:24:19,120 Speaker 2: myself to ask you a couple of wellness questions. Do 466 00:24:19,200 --> 00:24:23,720 Speaker 2: you get enough sleep? Do you wake up feeling rested? 467 00:24:24,400 --> 00:24:28,760 Speaker 2: Do you fall to sleep easily? 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It 474 00:24:57,080 --> 00:25:01,120 Speaker 2: honestly got so bad that I started to take medical 475 00:25:01,160 --> 00:25:05,800 Speaker 2: grades sleeping tablets, and I absolutely hate that because I 476 00:25:05,840 --> 00:25:09,720 Speaker 2: would wake up feeling so groggy and just not great. 477 00:25:10,480 --> 00:25:14,960 Speaker 2: So Moon Milk is gluten free, dairy free, vegan, refined, 478 00:25:14,960 --> 00:25:18,399 Speaker 2: sugar free, and all natural, so it's not going to 479 00:25:18,520 --> 00:25:21,880 Speaker 2: make you feel that way. Also, don't be fooled by 480 00:25:21,920 --> 00:25:27,359 Speaker 2: the word natural. We have hundreds of testimonials from the 481 00:25:27,520 --> 00:25:32,159 Speaker 2: NH Gang who completely back this product, and honestly, I 482 00:25:32,400 --> 00:25:37,520 Speaker 2: love reading the testimonials because people get so shocked by 483 00:25:37,680 --> 00:25:42,040 Speaker 2: how well this product works. The best part it is 484 00:25:42,160 --> 00:25:46,439 Speaker 2: a creamy hot chocolate flavor, so it is perfect for 485 00:25:46,560 --> 00:25:50,440 Speaker 2: after dinner when you know you're watching Netflix, you're craving 486 00:25:50,520 --> 00:25:54,400 Speaker 2: something sweet, but you're not actually hungry, and it's honestly 487 00:25:54,480 --> 00:25:56,959 Speaker 2: just like a hug in the cup. We all know 488 00:25:57,280 --> 00:26:00,240 Speaker 2: how important sleep is. By now, we know that if 489 00:26:00,280 --> 00:26:02,359 Speaker 2: we aren't getting good sleep, we're not going to be 490 00:26:02,400 --> 00:26:05,040 Speaker 2: focused during the day. We know it affects our mood 491 00:26:05,480 --> 00:26:08,720 Speaker 2: and often we will overeat because our body is looking 492 00:26:08,760 --> 00:26:11,840 Speaker 2: for energy. So if you want to start with a 493 00:26:11,920 --> 00:26:16,840 Speaker 2: wellness product, you will not regret Moon Milk. It's honestly 494 00:26:17,600 --> 00:26:21,200 Speaker 2: life changing and I'm not even being dramatic. Since getting 495 00:26:21,400 --> 00:26:26,200 Speaker 2: amazing sleep, it just completely changes my whole entire day. 496 00:26:26,800 --> 00:26:30,840 Speaker 2: And yeah, so many testimonials from our NH gang who 497 00:26:31,119 --> 00:26:36,080 Speaker 2: agree and who are experiencing the same amazing results as 498 00:26:36,080 --> 00:26:39,240 Speaker 2: so rn C FAM. If it sounds like something you need, 499 00:26:39,320 --> 00:26:42,320 Speaker 2: I also have a sneaky discount for you. You can 500 00:26:42,440 --> 00:26:46,639 Speaker 2: just enter Rise and Conquer Podcasts at checkout that is 501 00:26:46,680 --> 00:26:50,800 Speaker 2: spelled completely out, no symbols, and I will put a 502 00:26:50,880 --> 00:26:53,159 Speaker 2: link in the show notes and the code and the 503 00:26:53,200 --> 00:26:57,600 Speaker 2: show notes. But enough about wellness, let's get back into 504 00:26:57,640 --> 00:27:03,320 Speaker 2: the show. And I do have a question what is 505 00:27:03,359 --> 00:27:06,280 Speaker 2: your view? So you did use the example of, you know, 506 00:27:06,600 --> 00:27:11,159 Speaker 2: saving a certain amount of money, which is great, but 507 00:27:11,359 --> 00:27:15,359 Speaker 2: what is your view on Let's pretend you know for 508 00:27:15,440 --> 00:27:18,960 Speaker 2: the week, you've paid your rent, you've paid your bills, 509 00:27:19,520 --> 00:27:22,720 Speaker 2: you've saved a certain amount, and then you have some 510 00:27:23,200 --> 00:27:24,760 Speaker 2: leftover money. 511 00:27:24,800 --> 00:27:25,680 Speaker 3: What is your. 512 00:27:25,560 --> 00:27:28,159 Speaker 2: View on what you should do with that leftover money? 513 00:27:28,680 --> 00:27:30,359 Speaker 1: I think you need to make a plan for it. 514 00:27:30,640 --> 00:27:34,200 Speaker 1: There shouldn't be leftover money when it comes to budgeting 515 00:27:34,280 --> 00:27:35,040 Speaker 1: and cash flow. 516 00:27:35,240 --> 00:27:36,800 Speaker 3: It should always have a home. 517 00:27:37,119 --> 00:27:40,040 Speaker 1: The plan is when you have every single dollar that 518 00:27:40,080 --> 00:27:42,840 Speaker 1: comes into your account, it needs a job. It needs 519 00:27:42,880 --> 00:27:45,080 Speaker 1: to be working for you as hard as you do 520 00:27:45,280 --> 00:27:47,840 Speaker 1: for it. So every dollar that comes in needs to 521 00:27:47,880 --> 00:27:51,159 Speaker 1: be allocated somewhere. And if you find yourself with quote 522 00:27:51,160 --> 00:27:55,240 Speaker 1: extra money that should be going towards you achieving a goal. 523 00:27:55,440 --> 00:27:57,720 Speaker 1: It should be going towards the house you're saving for, 524 00:27:57,880 --> 00:28:00,720 Speaker 1: or the investment portfolio that you're building, or you know 525 00:28:00,760 --> 00:28:03,119 Speaker 1: you might be saving up for a car or a holiday. 526 00:28:03,480 --> 00:28:06,119 Speaker 1: All of those things are really valid. But your money 527 00:28:06,160 --> 00:28:09,400 Speaker 1: should always be allocated to something, and you just need 528 00:28:09,440 --> 00:28:11,800 Speaker 1: to give it a job. And I often see every 529 00:28:11,840 --> 00:28:14,399 Speaker 1: single dollar coming into my account as just a little worker. 530 00:28:14,600 --> 00:28:16,720 Speaker 1: Where does it need to go? What can I actually 531 00:28:16,760 --> 00:28:19,119 Speaker 1: do with it? And the way I manage my money 532 00:28:19,200 --> 00:28:21,520 Speaker 1: personally is a little bit different to most people, and 533 00:28:21,560 --> 00:28:23,600 Speaker 1: it's all explained in the book. But I have what's 534 00:28:23,640 --> 00:28:26,040 Speaker 1: called a cash hub, So all of my money goes 535 00:28:26,080 --> 00:28:28,439 Speaker 1: into this one cash hub, and then I have it 536 00:28:28,520 --> 00:28:31,520 Speaker 1: every day spending account that's attached to that, but is 537 00:28:31,520 --> 00:28:34,199 Speaker 1: a separate account, And every week I give myself what 538 00:28:34,280 --> 00:28:37,359 Speaker 1: I call a food, fuel, and fun amount of money 539 00:28:37,560 --> 00:28:40,760 Speaker 1: that I can spend with. I can spend without any 540 00:28:40,840 --> 00:28:44,360 Speaker 1: type of ramifications because I know that all my other 541 00:28:44,480 --> 00:28:46,840 Speaker 1: goals and all my other things that I'm trying to 542 00:28:46,880 --> 00:28:50,280 Speaker 1: achieve are being looked after from my cash hub. So 543 00:28:50,440 --> 00:28:52,240 Speaker 1: if I want to go out for brunch with my friends, 544 00:28:52,280 --> 00:28:54,280 Speaker 1: I know that maybe I have some money for that, 545 00:28:54,440 --> 00:28:56,240 Speaker 1: but if I want to do that early in the week, 546 00:28:56,360 --> 00:28:58,120 Speaker 1: I might not be able to do it later. So 547 00:28:58,160 --> 00:29:01,440 Speaker 1: it does force you in a way to prioritize. Because 548 00:29:01,440 --> 00:29:04,400 Speaker 1: as much as we say, okay, we still want coffee, 549 00:29:04,440 --> 00:29:06,000 Speaker 1: we still want to be able to go out for 550 00:29:06,040 --> 00:29:09,600 Speaker 1: smash davil and toast, we can't have it all. We 551 00:29:09,640 --> 00:29:11,920 Speaker 1: do have to have some level of compromise, and I 552 00:29:11,920 --> 00:29:14,680 Speaker 1: think that that's the important part here. We are still 553 00:29:14,720 --> 00:29:16,840 Speaker 1: making sure that it fits in our budget, but it 554 00:29:16,920 --> 00:29:19,840 Speaker 1: doesn't mean it's an everyday occurrence. It means that we 555 00:29:20,000 --> 00:29:22,680 Speaker 1: have taken into consideration our values and what we want 556 00:29:22,680 --> 00:29:26,560 Speaker 1: to achieve, while still making sure that future us is 557 00:29:26,600 --> 00:29:30,240 Speaker 1: looked after, because future you is the most important person 558 00:29:30,320 --> 00:29:32,480 Speaker 1: to you. They are the ones that are going to 559 00:29:32,520 --> 00:29:34,719 Speaker 1: get you all the way through to retirement, and we 560 00:29:34,800 --> 00:29:37,440 Speaker 1: really need to care about them and start saving for 561 00:29:37,480 --> 00:29:38,960 Speaker 1: them because they're really important. 562 00:29:39,120 --> 00:29:40,600 Speaker 2: Oh I love that. 563 00:29:41,640 --> 00:29:42,480 Speaker 3: I love that name. 564 00:29:42,600 --> 00:29:48,600 Speaker 2: So fuel, food and fun. Yeah, and so that's that's 565 00:29:48,760 --> 00:29:51,720 Speaker 2: just like what you can yeah, use I guess like 566 00:29:52,440 --> 00:29:56,240 Speaker 2: disposable income and spend. Could I be bold and ask 567 00:29:56,360 --> 00:29:57,680 Speaker 2: how much you give yourself? 568 00:29:57,960 --> 00:29:58,520 Speaker 3: Personally? 569 00:29:58,640 --> 00:30:00,920 Speaker 1: I give myself about three hundred dollars a week. 570 00:30:01,000 --> 00:30:02,520 Speaker 3: It used to be two hundred and fifty. 571 00:30:02,560 --> 00:30:07,920 Speaker 1: But my tastes in food have significantly increased, and my 572 00:30:07,960 --> 00:30:11,400 Speaker 1: partner does something similar, And I think it's important for 573 00:30:11,440 --> 00:30:13,720 Speaker 1: me to be really honest about stuff like that, because 574 00:30:13,760 --> 00:30:16,840 Speaker 1: as much as I have that amount, you might not 575 00:30:16,880 --> 00:30:19,600 Speaker 1: be able to afford that, or you might have much 576 00:30:19,640 --> 00:30:23,320 Speaker 1: more than that, because when I had my eyelash extensions, 577 00:30:23,720 --> 00:30:26,160 Speaker 1: that would cost me more money, so I had a 578 00:30:26,200 --> 00:30:29,240 Speaker 1: different allocation at that point in time. If you're at UNI, 579 00:30:29,280 --> 00:30:32,400 Speaker 1: three hundred dollars unacceptable like that is not going to 580 00:30:32,440 --> 00:30:35,120 Speaker 1: fit into your budget with what you're earning. But I 581 00:30:35,120 --> 00:30:37,280 Speaker 1: think if I can share that, you know, actually I've 582 00:30:37,280 --> 00:30:40,120 Speaker 1: managed to put my budget together and I spend about 583 00:30:40,120 --> 00:30:42,200 Speaker 1: three hundred dollars on my food, my fuel and my 584 00:30:42,280 --> 00:30:45,400 Speaker 1: fun every single week, then that's great. And I know 585 00:30:45,480 --> 00:30:47,480 Speaker 1: it sounds silly, but at the moment I'm actually in 586 00:30:47,560 --> 00:30:52,040 Speaker 1: isolation here in Melbourne and in ISO. I obviously am 587 00:30:52,120 --> 00:30:55,000 Speaker 1: not spending anything on fuel. I'm not you know, refilling 588 00:30:55,000 --> 00:30:57,760 Speaker 1: my car, I'm not paying for public transport, so I've 589 00:30:57,800 --> 00:31:00,239 Speaker 1: got a little bit extra cash sitting in there than 590 00:31:00,280 --> 00:31:03,720 Speaker 1: I usually would and I let that bang up. I 591 00:31:03,800 --> 00:31:06,360 Speaker 1: let that grow, and then that's you know, the outfit 592 00:31:06,440 --> 00:31:09,360 Speaker 1: that I might want to purchase later down the track 593 00:31:09,400 --> 00:31:12,120 Speaker 1: without any ramifications, and I kind of save it up 594 00:31:12,160 --> 00:31:14,800 Speaker 1: over time. If I don't spend my three hundred dollars 595 00:31:14,840 --> 00:31:17,280 Speaker 1: a week, put it to the side. And that's the 596 00:31:17,360 --> 00:31:20,480 Speaker 1: kind of like treat yourself money that has absolutely no 597 00:31:20,640 --> 00:31:23,600 Speaker 1: impact on my goals. So instead of me dipping into 598 00:31:23,600 --> 00:31:26,200 Speaker 1: my savings or my investment or you know, something that 599 00:31:26,240 --> 00:31:28,480 Speaker 1: I'm working towards and going O, well, actually I do 600 00:31:28,640 --> 00:31:31,320 Speaker 1: have some money aside, and I can actually afford that, 601 00:31:31,560 --> 00:31:34,840 Speaker 1: and there's no implication of it, because I do really 602 00:31:34,880 --> 00:31:37,640 Speaker 1: believe that we still need to be treating ourselves. We 603 00:31:37,720 --> 00:31:40,800 Speaker 1: do need to still be looking after ourselves, because otherwise 604 00:31:40,800 --> 00:31:41,680 Speaker 1: what fun is there? 605 00:31:42,360 --> 00:31:46,440 Speaker 2: Oh, I love it so much you are speaking to me, 606 00:31:46,680 --> 00:31:50,040 Speaker 2: and I think also as much as I said I 607 00:31:50,160 --> 00:31:53,320 Speaker 2: don't budget, it's kind of a lie because what I 608 00:31:53,480 --> 00:31:57,760 Speaker 2: do is I guess similar to you, where I make sure, 609 00:31:58,400 --> 00:32:02,280 Speaker 2: you know, my bills are taking care of, the mortgage 610 00:32:02,320 --> 00:32:06,320 Speaker 2: is paid, I'm saving a certain amount, everything has a 611 00:32:06,320 --> 00:32:10,800 Speaker 2: little home, and then I do a whole what's left over, 612 00:32:11,640 --> 00:32:14,280 Speaker 2: and that's yeah, what I can spend and what I 613 00:32:14,320 --> 00:32:16,440 Speaker 2: can spend my fun money on. So if I do 614 00:32:16,480 --> 00:32:18,920 Speaker 2: want to buy something new, I look in that account 615 00:32:19,000 --> 00:32:20,240 Speaker 2: and I'm like, can I afford it? 616 00:32:20,360 --> 00:32:20,560 Speaker 3: Yes? 617 00:32:20,600 --> 00:32:20,920 Speaker 1: I can? 618 00:32:21,160 --> 00:32:22,200 Speaker 2: Okay, so I can buy it. 619 00:32:22,680 --> 00:32:25,600 Speaker 1: So you're doing it, you already Yeah, so I basically 620 00:32:26,440 --> 00:32:29,520 Speaker 1: So you basically do. And that's the magic thing about it, right, 621 00:32:29,640 --> 00:32:31,719 Speaker 1: So I think that people are going to look at 622 00:32:31,720 --> 00:32:33,520 Speaker 1: this book and go, oh, she's going to make us 623 00:32:33,560 --> 00:32:37,040 Speaker 1: budget every single week. Like no, Once your little system 624 00:32:37,120 --> 00:32:39,160 Speaker 1: is set up and you paid your mortgage or your 625 00:32:39,400 --> 00:32:42,440 Speaker 1: rent and you've bored or whatever you're paying, and that 626 00:32:42,560 --> 00:32:45,720 Speaker 1: your bills are allocated for out of your cash hub 627 00:32:45,760 --> 00:32:49,000 Speaker 1: and you're putting your savings into other accounts and making 628 00:32:49,040 --> 00:32:51,920 Speaker 1: a plan for it, we just spend what's left over. 629 00:32:52,280 --> 00:32:55,600 Speaker 1: And that is really empowering and that makes us feel 630 00:32:55,640 --> 00:32:57,760 Speaker 1: a little bit more free. So when you said that 631 00:32:57,800 --> 00:33:00,400 Speaker 1: you don't budget, I would argue that you do because 632 00:33:00,440 --> 00:33:02,520 Speaker 1: you actually have a plan for the money that's coming 633 00:33:02,560 --> 00:33:06,000 Speaker 1: into your account and you're not compromising your savings goals 634 00:33:06,080 --> 00:33:08,800 Speaker 1: or your mortgage or payments for the new outfit that 635 00:33:08,880 --> 00:33:11,560 Speaker 1: you want or the new leggings or whatever you're purchasing, 636 00:33:11,880 --> 00:33:15,840 Speaker 1: and that's really important because that's flexible over time, right, 637 00:33:16,200 --> 00:33:20,239 Speaker 1: So your savings goals and hacks might change based on 638 00:33:20,280 --> 00:33:23,360 Speaker 1: the life cycle that you're in and what you're working towards. 639 00:33:23,400 --> 00:33:25,840 Speaker 1: And you know you're going to have a baby, so 640 00:33:25,880 --> 00:33:28,920 Speaker 1: there would be more priority on well, okay, how much 641 00:33:28,960 --> 00:33:30,560 Speaker 1: do we need to put aside for this, like what 642 00:33:30,600 --> 00:33:32,920 Speaker 1: a baby thing's going to cost? That might not have 643 00:33:32,960 --> 00:33:35,600 Speaker 1: been in your budget historically. So I think that that's 644 00:33:35,680 --> 00:33:40,160 Speaker 1: really special to talk about as well, because what you spend, Georgie, 645 00:33:40,200 --> 00:33:43,480 Speaker 1: is not what I spend, because we have different goals, 646 00:33:43,520 --> 00:33:46,240 Speaker 1: we have different priorities. And that's what I want to 647 00:33:46,280 --> 00:33:49,200 Speaker 1: really highlight here that just because I spend a certain 648 00:33:49,240 --> 00:33:52,320 Speaker 1: amount doesn't mean that's the thing that you should be spending. 649 00:33:52,680 --> 00:33:55,600 Speaker 1: Because I've got friends who are spending two hundred dollars 650 00:33:55,640 --> 00:33:57,000 Speaker 1: and I look at it and go, oh my gosh, 651 00:33:57,040 --> 00:33:59,440 Speaker 1: like I could not after spending it on food and 652 00:33:59,520 --> 00:34:02,000 Speaker 1: on a fuel, Like I'd have no playroom there. 653 00:34:02,160 --> 00:34:02,960 Speaker 3: I couldn't do that. 654 00:34:03,320 --> 00:34:06,200 Speaker 1: But I also have friends and clients who spend five 655 00:34:06,320 --> 00:34:08,759 Speaker 1: hundred dollars a week just because that's how they want 656 00:34:08,760 --> 00:34:12,000 Speaker 1: to live their life. But the point is Are we 657 00:34:12,560 --> 00:34:15,200 Speaker 1: spending in line with our goals? Are we saving? Are 658 00:34:15,200 --> 00:34:17,840 Speaker 1: we investing? Are we making sure that future us is 659 00:34:17,880 --> 00:34:22,160 Speaker 1: looked after before we start blowing money on our votast. 660 00:34:22,480 --> 00:34:25,480 Speaker 2: And I think also what a huge part there for 661 00:34:25,640 --> 00:34:29,440 Speaker 2: me and something well, something you've already touched on is 662 00:34:30,000 --> 00:34:33,600 Speaker 2: when you do that and you do have this, like 663 00:34:33,640 --> 00:34:36,480 Speaker 2: you said, this surplus is kind of banked up money, 664 00:34:36,840 --> 00:34:39,200 Speaker 2: and you do want to go and treat yourself. There's 665 00:34:39,360 --> 00:34:43,880 Speaker 2: no guilt because you know that is completely fine, That 666 00:34:43,960 --> 00:34:46,560 Speaker 2: is completely then that's what it's meant to do. And 667 00:34:46,640 --> 00:34:48,719 Speaker 2: I think some people when they bury their head in 668 00:34:48,760 --> 00:34:50,759 Speaker 2: the sand and there's this guilt and they're like, I 669 00:34:50,800 --> 00:34:52,960 Speaker 2: don't even know if I can be spending this, and 670 00:34:53,040 --> 00:34:55,320 Speaker 2: that brings all the negativity around money. 671 00:34:55,560 --> 00:34:59,160 Speaker 1: Yeah, and so many people feel guilty spending money. And 672 00:34:59,200 --> 00:35:01,440 Speaker 1: I find that that's a really common topic in my 673 00:35:01,560 --> 00:35:05,840 Speaker 1: Facebook community of people saying, oh, Victoria, I spend or 674 00:35:05,880 --> 00:35:08,200 Speaker 1: I save and I invest, and now I feel really 675 00:35:08,239 --> 00:35:10,560 Speaker 1: guilty whenever I want to treat myself or go out 676 00:35:10,560 --> 00:35:12,920 Speaker 1: for lunch with my girlfriends, or you know, buy a 677 00:35:12,960 --> 00:35:15,680 Speaker 1: new outfit, even though I know deep down I deserve it. 678 00:35:15,960 --> 00:35:17,920 Speaker 1: And I think that For me, that's a way that 679 00:35:18,080 --> 00:35:20,960 Speaker 1: I battle that because having been in debt, I am 680 00:35:21,120 --> 00:35:24,239 Speaker 1: terrified of going back into it. And whilst I wasn't 681 00:35:24,239 --> 00:35:27,400 Speaker 1: in heaps of debt, like just the idea that you know, 682 00:35:27,560 --> 00:35:30,840 Speaker 1: I had money owing to somebody makes you not sleep 683 00:35:30,840 --> 00:35:33,799 Speaker 1: well at night. So for me, I'm always thinking like, oh, 684 00:35:33,880 --> 00:35:36,120 Speaker 1: I just oh, do I need to spend that. But 685 00:35:36,160 --> 00:35:38,799 Speaker 1: if it's in that particular account and it is set 686 00:35:38,840 --> 00:35:41,839 Speaker 1: to the side for me to blow money on, and 687 00:35:42,200 --> 00:35:44,160 Speaker 1: it makes me feel empowered. It makes me feel like 688 00:35:44,200 --> 00:35:47,719 Speaker 1: I'm in control of those decisions while not compromising future us. 689 00:35:48,120 --> 00:35:50,480 Speaker 1: And whilst you could absolutely say okay, well with that 690 00:35:50,560 --> 00:35:52,520 Speaker 1: extra money, you could add it to your savings if 691 00:35:52,560 --> 00:35:55,080 Speaker 1: you wanted to. And it's not just for outfits. It 692 00:35:55,160 --> 00:35:57,440 Speaker 1: might be you know, you're going to a friend's birthday 693 00:35:57,440 --> 00:36:00,319 Speaker 1: and you completely forgot that you wanted to buy gift 694 00:36:00,400 --> 00:36:03,040 Speaker 1: for them. Don't worry, there's money sitting to the side, 695 00:36:03,080 --> 00:36:05,840 Speaker 1: so you don't have to worry about, you know, blowing 696 00:36:05,840 --> 00:36:08,000 Speaker 1: your money on that. And some weeks you might spend 697 00:36:08,080 --> 00:36:10,600 Speaker 1: less because you're really busy or working from home the 698 00:36:10,640 --> 00:36:12,640 Speaker 1: whole week so you haven't gone out, and then the 699 00:36:12,680 --> 00:36:14,400 Speaker 1: next week you might go out for lunch, you know, 700 00:36:14,520 --> 00:36:17,160 Speaker 1: four days in that week, so it kind of all 701 00:36:17,239 --> 00:36:20,919 Speaker 1: balances out over time. But keeping a clear budget of well, 702 00:36:20,960 --> 00:36:23,560 Speaker 1: what on average am I spending, I'm just going to 703 00:36:23,600 --> 00:36:26,759 Speaker 1: transfer that amount to that spending fund each and every 704 00:36:26,800 --> 00:36:29,960 Speaker 1: single week so that I can be consistent in that way, 705 00:36:30,160 --> 00:36:32,080 Speaker 1: so that when you know, lunch does come up a 706 00:36:32,120 --> 00:36:34,759 Speaker 1: couple of times, I can still feel comfortable saying yes 707 00:36:34,840 --> 00:36:38,439 Speaker 1: to that because I know that that money's there because 708 00:36:38,480 --> 00:36:42,239 Speaker 1: I haven't spent it historically, because it was always attributed 709 00:36:42,400 --> 00:36:44,160 Speaker 1: to me going up for lunch and having the best 710 00:36:44,200 --> 00:36:46,279 Speaker 1: life that I want to have, instead of feeling like, 711 00:36:46,320 --> 00:36:48,320 Speaker 1: oh my gosh, like that's money I could have saved. 712 00:36:48,719 --> 00:36:51,839 Speaker 1: You're right, but if we are restrictive on ourselves and 713 00:36:51,880 --> 00:36:54,279 Speaker 1: try to save too much, we end up falling off 714 00:36:54,280 --> 00:36:57,600 Speaker 1: the bandwagon really easily, and then we start ending up 715 00:36:57,640 --> 00:36:59,680 Speaker 1: with a money mindset that says, oh, I'm no good 716 00:36:59,719 --> 00:37:01,799 Speaker 1: at my I'm no good at saving, I'm no good 717 00:37:01,800 --> 00:37:05,239 Speaker 1: at XYZ. And that's just not constructive for future us. 718 00:37:05,280 --> 00:37:07,840 Speaker 1: And you know, you're probably getting the idea here that 719 00:37:07,960 --> 00:37:11,440 Speaker 1: I love talking about future us and future you because 720 00:37:11,480 --> 00:37:14,399 Speaker 1: I do think that if we can start prioritizing them, 721 00:37:14,680 --> 00:37:17,000 Speaker 1: they're going to start thanking you sooner rather than later. 722 00:37:17,239 --> 00:37:18,680 Speaker 3: Like imagine yourself. 723 00:37:18,520 --> 00:37:21,600 Speaker 1: In twelve months having more savings in your bank account. 724 00:37:21,640 --> 00:37:23,080 Speaker 1: You're going to look back and be like wow, like 725 00:37:23,200 --> 00:37:26,280 Speaker 1: thanks for thinking of that past victoria, Like that's epic. 726 00:37:26,760 --> 00:37:28,719 Speaker 1: And I think that that's, you know, one of the 727 00:37:28,760 --> 00:37:32,439 Speaker 1: most important things because it's actually not about anybody else. 728 00:37:32,560 --> 00:37:35,400 Speaker 1: It's about you and your future and what you're trying 729 00:37:35,400 --> 00:37:35,880 Speaker 1: to create. 730 00:37:36,560 --> 00:37:40,640 Speaker 2: Well, let's chat about future us and why is important 731 00:37:40,680 --> 00:37:44,160 Speaker 2: to think about future us. So we've gone over budgeting 732 00:37:44,239 --> 00:37:49,080 Speaker 2: and saving, let's chat about investing because this is something 733 00:37:49,280 --> 00:37:53,400 Speaker 2: that I'm very personally interested in hearing your thoughts on 734 00:37:54,960 --> 00:37:58,040 Speaker 2: when did you start getting into investing and kind of 735 00:37:58,080 --> 00:37:59,560 Speaker 2: what did that look like at the start. 736 00:38:00,200 --> 00:38:04,520 Speaker 1: So technically we've always been investing if we are employed, 737 00:38:04,920 --> 00:38:08,319 Speaker 1: So our subranuation is actually an investment that I feel 738 00:38:08,360 --> 00:38:12,160 Speaker 1: like so many people forget exists. And at these points, 739 00:38:12,120 --> 00:38:16,320 Speaker 1: superanuation is literally nine point five percent of our incomes, 740 00:38:16,640 --> 00:38:19,640 Speaker 1: and not many people could say that, one I'm saving 741 00:38:19,719 --> 00:38:22,200 Speaker 1: nine point five percent of my income, but two I'm 742 00:38:22,239 --> 00:38:24,320 Speaker 1: investing nine point five percent of my income. 743 00:38:24,400 --> 00:38:25,040 Speaker 3: That's wild. 744 00:38:25,120 --> 00:38:28,239 Speaker 1: But in superanuation, that's exactly what you are doing, and 745 00:38:28,320 --> 00:38:31,000 Speaker 1: so many people think that Super's just a savings account 746 00:38:31,000 --> 00:38:35,279 Speaker 1: we can't touch, when in reality, superanuation is an investment 747 00:38:35,320 --> 00:38:35,959 Speaker 1: fund that. 748 00:38:36,040 --> 00:38:39,240 Speaker 3: Is exactly for future us. It is an investment fund. 749 00:38:39,239 --> 00:38:42,000 Speaker 1: It is your money. You're not allowed to spend it, 750 00:38:42,280 --> 00:38:44,840 Speaker 1: but you have absolute control over it. You get to 751 00:38:44,920 --> 00:38:47,520 Speaker 1: choose what fund you're with, how it's invested, what it's 752 00:38:47,600 --> 00:38:50,279 Speaker 1: invested in, and where it goes. And I think too 753 00:38:50,320 --> 00:38:54,560 Speaker 1: many times people just don't prioritize that. So if we 754 00:38:54,600 --> 00:38:56,880 Speaker 1: ask the question, how long have you been investing, well, 755 00:38:56,920 --> 00:38:59,560 Speaker 1: the answer is from when I was fourteen years old 756 00:38:59,600 --> 00:39:02,799 Speaker 1: and nine months I didn't know I was investing though, 757 00:39:02,840 --> 00:39:05,799 Speaker 1: so I didn't see the importance of super until later 758 00:39:05,880 --> 00:39:09,760 Speaker 1: in life. But when it comes to investing outside of superannuation, 759 00:39:10,360 --> 00:39:13,040 Speaker 1: it wasn't until I was twenty two twenty three did 760 00:39:13,040 --> 00:39:15,919 Speaker 1: I start looking at that and trying to understand it. 761 00:39:16,239 --> 00:39:19,840 Speaker 1: So for me, investing is something that I'm really passionate 762 00:39:19,840 --> 00:39:24,000 Speaker 1: about because the idea behind investing is to create an 763 00:39:24,040 --> 00:39:29,680 Speaker 1: investment portfolio that serves us well. And it's really it's 764 00:39:29,719 --> 00:39:32,160 Speaker 1: really simple if we break it down, but too many 765 00:39:32,200 --> 00:39:34,759 Speaker 1: times people say, wow, well, I want I want a 766 00:39:34,760 --> 00:39:37,080 Speaker 1: one million dollar investment portfolio because I want to be 767 00:39:37,120 --> 00:39:39,439 Speaker 1: worth one million dollars and when I reach retirement, I'm 768 00:39:39,440 --> 00:39:41,680 Speaker 1: going to start spending that one million dollars, right, Like, 769 00:39:41,719 --> 00:39:46,000 Speaker 1: that's what we think. But if I said to you, hey, 770 00:39:46,280 --> 00:39:49,080 Speaker 1: if you start at the age of twenty and start 771 00:39:49,120 --> 00:39:53,360 Speaker 1: investing in yourself, and you know, putting five hundred dollars 772 00:39:53,719 --> 00:39:56,640 Speaker 1: into an investment portfolio at the age of twenty each 773 00:39:56,680 --> 00:40:00,040 Speaker 1: and every single month, by the time you get to 774 00:40:00,080 --> 00:40:03,760 Speaker 1: your retirement, you'll have an investment portfolio. This is based 775 00:40:03,800 --> 00:40:06,040 Speaker 1: on Sorry if this is all off the top of 776 00:40:06,040 --> 00:40:08,400 Speaker 1: my head, but this is based on an average return 777 00:40:08,440 --> 00:40:10,640 Speaker 1: of about seven and a half which is lower than 778 00:40:10,680 --> 00:40:14,200 Speaker 1: what the national average is, but let's call it seven 779 00:40:14,200 --> 00:40:16,640 Speaker 1: and a half percent return. You would have an investment 780 00:40:16,640 --> 00:40:20,560 Speaker 1: portfolio worth one point two million dollars, which is wild 781 00:40:21,040 --> 00:40:24,600 Speaker 1: because had you chosen to save instead of investing, you 782 00:40:24,600 --> 00:40:27,400 Speaker 1: would have only had two hundred and forty thousand dollars 783 00:40:27,719 --> 00:40:32,040 Speaker 1: because over time, money compounds. And saying that you go, great, 784 00:40:32,160 --> 00:40:35,080 Speaker 1: no problems, Victoria, You're right, I'm going to start saving 785 00:40:35,400 --> 00:40:38,279 Speaker 1: and investing my five hundred dollars per month because I 786 00:40:38,320 --> 00:40:41,680 Speaker 1: want one point two million dollars when I retire. However, 787 00:40:42,120 --> 00:40:45,759 Speaker 1: the thing people don't understand about investment portfolios is why 788 00:40:45,800 --> 00:40:48,480 Speaker 1: we have them and what they actually provide us with. 789 00:40:48,920 --> 00:40:51,919 Speaker 1: So in the same way that we got to one 790 00:40:51,960 --> 00:40:54,719 Speaker 1: point two million dollars, it's because the money that we 791 00:40:54,800 --> 00:40:58,239 Speaker 1: invest starts making money, and then that money that our 792 00:40:58,280 --> 00:41:01,560 Speaker 1: money has made gets invested and starts making more money. 793 00:41:01,760 --> 00:41:03,359 Speaker 1: So I don't want to call it free money, because 794 00:41:03,400 --> 00:41:05,839 Speaker 1: you definitely did work for it, but it's essentially your 795 00:41:05,880 --> 00:41:09,359 Speaker 1: money making money for you. And when you get to retirement, 796 00:41:09,480 --> 00:41:12,280 Speaker 1: as un sexy as at sounds, I am really sorry 797 00:41:12,880 --> 00:41:16,600 Speaker 1: you have this one point two million dollar portfolio. We 798 00:41:16,719 --> 00:41:20,560 Speaker 1: don't actually start spending that. We actually start taking the 799 00:41:20,680 --> 00:41:23,160 Speaker 1: money that our money is making and we spend that. 800 00:41:23,680 --> 00:41:27,080 Speaker 1: And a one point two million dollar investment portfolio will 801 00:41:27,120 --> 00:41:30,280 Speaker 1: afford you with an income of about sixty thousand dollars 802 00:41:30,320 --> 00:41:33,040 Speaker 1: per year that you don't have to go to work 803 00:41:33,080 --> 00:41:35,840 Speaker 1: for anymore, that you don't have to do anything for 804 00:41:36,120 --> 00:41:39,040 Speaker 1: at all, because it's just ticking away in the background. 805 00:41:39,560 --> 00:41:42,279 Speaker 1: And that's the power of having that one point two 806 00:41:42,280 --> 00:41:45,839 Speaker 1: million dollars, Because having that invested, it's going to make 807 00:41:45,880 --> 00:41:48,839 Speaker 1: you sixty ish thousand dollars a year, but you're never 808 00:41:48,920 --> 00:41:52,040 Speaker 1: actually going to spend that one point two million dollars. 809 00:41:52,360 --> 00:41:55,960 Speaker 1: So that's I think what people don't understand about investing, 810 00:41:56,200 --> 00:41:59,359 Speaker 1: because that's why we're trying to invest, that's what we're 811 00:41:59,400 --> 00:42:01,600 Speaker 1: trying to start up with. And I think that that's 812 00:42:01,640 --> 00:42:05,080 Speaker 1: really powerful to understand because too often do you think, Okay, 813 00:42:05,080 --> 00:42:07,120 Speaker 1: well i'll invest in, my money, will make money, and 814 00:42:07,120 --> 00:42:09,399 Speaker 1: then I'll have this big sum and I can spend that, 815 00:42:09,680 --> 00:42:11,000 Speaker 1: and that's just not the case. 816 00:42:11,320 --> 00:42:13,359 Speaker 2: I'm trying to get my head around it. 817 00:42:14,280 --> 00:42:16,920 Speaker 3: I'm so sorry. I feel like sometimes I go in tangents. 818 00:42:16,920 --> 00:42:19,160 Speaker 1: I'm like, Okay, here's this and this is the return, 819 00:42:19,200 --> 00:42:19,680 Speaker 1: and this is. 820 00:42:19,600 --> 00:42:20,359 Speaker 3: How it will work. 821 00:42:20,440 --> 00:42:25,160 Speaker 1: But essentially, it's all about your money. If it's invested early, 822 00:42:25,600 --> 00:42:28,719 Speaker 1: we'll double approximately every ten years. So if you were 823 00:42:28,760 --> 00:42:31,480 Speaker 1: to invest ten dollars today, ten years from now, it 824 00:42:31,520 --> 00:42:33,719 Speaker 1: would be worth twenty dollars. Twenty years from now, it 825 00:42:33,760 --> 00:42:36,640 Speaker 1: will be worth forty dollars. Thirty years for now, it 826 00:42:36,640 --> 00:42:39,919 Speaker 1: would be worth eighty dollars. And it starts to compound, 827 00:42:40,360 --> 00:42:43,480 Speaker 1: so it becomes a it's a process of growth and 828 00:42:43,520 --> 00:42:46,480 Speaker 1: the longer you have to prepare for that, the more 829 00:42:46,560 --> 00:42:50,000 Speaker 1: power your money has, because so many people don't think 830 00:42:50,040 --> 00:42:53,840 Speaker 1: about investing until they're in their fifties or sixties, and that's. 831 00:42:53,719 --> 00:42:55,200 Speaker 3: Just to me too late. 832 00:42:55,560 --> 00:42:58,920 Speaker 1: Whereas if we start investing at a really young age, 833 00:42:59,040 --> 00:43:02,240 Speaker 1: we only have to invest, We only have to invest 834 00:43:02,280 --> 00:43:05,319 Speaker 1: that five hundred dollars per month, and I know that 835 00:43:05,320 --> 00:43:08,160 Speaker 1: that can feel really unachievable. So don't feel like I'm 836 00:43:08,200 --> 00:43:11,160 Speaker 1: saying you have to. This is just my example. But 837 00:43:11,480 --> 00:43:14,080 Speaker 1: if you took that same amount and said, Victoria, I 838 00:43:14,120 --> 00:43:16,239 Speaker 1: really want to you know, you have a one point 839 00:43:16,239 --> 00:43:19,720 Speaker 1: three million dollar investment portfolio at retirement, but I'm actually 840 00:43:19,760 --> 00:43:22,880 Speaker 1: fifty five. Well, you're gonna have to invest about twelve 841 00:43:22,880 --> 00:43:25,759 Speaker 1: thousand dollars a month to achieve the same goal that 842 00:43:25,840 --> 00:43:28,360 Speaker 1: twenty year old you could have done with five hundred 843 00:43:28,400 --> 00:43:29,040 Speaker 1: dollars a month. 844 00:43:29,160 --> 00:43:30,720 Speaker 3: And that's big. That's massive. 845 00:43:31,160 --> 00:43:35,000 Speaker 2: Yeah, huge, No, I do, I do understand, and it 846 00:43:35,040 --> 00:43:37,200 Speaker 2: does make sense, and I think that is super important, 847 00:43:37,200 --> 00:43:40,400 Speaker 2: and I'm so glad I'm bringing this conversation up. I 848 00:43:40,400 --> 00:43:43,640 Speaker 2: guess my next question is, could you give us some 849 00:43:43,800 --> 00:43:46,680 Speaker 2: examples of what that looks like? Because I feel like 850 00:43:46,760 --> 00:43:50,200 Speaker 2: you hear so much you hear you know, like, of 851 00:43:50,239 --> 00:43:53,400 Speaker 2: course super is the big one and we're all doing 852 00:43:53,440 --> 00:43:58,719 Speaker 2: it well hopefully. But on top of super like, do 853 00:43:58,760 --> 00:44:04,280 Speaker 2: you have examples of investments that especially millennials can start 854 00:44:04,320 --> 00:44:04,959 Speaker 2: looking into. 855 00:44:05,600 --> 00:44:08,919 Speaker 1: Absolutely so the stock market or the share market as 856 00:44:08,920 --> 00:44:11,680 Speaker 1: we'd call it in Australia is the best place to start. 857 00:44:12,440 --> 00:44:14,759 Speaker 1: It is so hard because I can't say, hey, go 858 00:44:14,760 --> 00:44:17,200 Speaker 1: buy this share, one because I'm a financial advisor and 859 00:44:17,239 --> 00:44:19,960 Speaker 1: it's legally not acceptable for me to say that. But 860 00:44:20,120 --> 00:44:24,520 Speaker 1: two because what I like you might not like. So 861 00:44:24,600 --> 00:44:28,080 Speaker 1: I might like an ETF, which is an exchange traded fund, 862 00:44:28,440 --> 00:44:30,520 Speaker 1: and for me, that's a really great way of passively 863 00:44:30,560 --> 00:44:33,440 Speaker 1: investing that you get a really good level of diversification. 864 00:44:33,840 --> 00:44:36,120 Speaker 1: There's a lot of DIY ways to go about it. 865 00:44:36,200 --> 00:44:38,919 Speaker 1: So one of my favorite platforms for DIY is called 866 00:44:38,960 --> 00:44:42,719 Speaker 1: Shares's and share zas allows you to buy fractions of 867 00:44:42,760 --> 00:44:46,160 Speaker 1: shares so you can start with less money instead of 868 00:44:46,440 --> 00:44:49,800 Speaker 1: you having to have thousands of dollars to get diversification. 869 00:44:50,400 --> 00:44:54,360 Speaker 1: Diversification when it comes to investing is so important because 870 00:44:54,360 --> 00:44:56,240 Speaker 1: you don't want to put all your eggs in one basket, 871 00:44:56,360 --> 00:44:59,040 Speaker 1: so you don't want to just go buy one particular share, 872 00:44:59,280 --> 00:45:02,600 Speaker 1: because if that does badly then you're out. We actually 873 00:45:02,680 --> 00:45:05,040 Speaker 1: buy a basket full of shares and a whole heap 874 00:45:05,080 --> 00:45:08,360 Speaker 1: of different other assets, so that the returns feel like 875 00:45:08,440 --> 00:45:10,560 Speaker 1: more of an average and you don't get the highs 876 00:45:10,560 --> 00:45:12,960 Speaker 1: and the lows that you do see in the share market. 877 00:45:13,400 --> 00:45:15,960 Speaker 1: So you could go do that and purchase it yourself. 878 00:45:16,000 --> 00:45:18,600 Speaker 1: Something like shares enables you to buy direct shares or 879 00:45:18,640 --> 00:45:21,480 Speaker 1: an ETF for invest in the way that you want. 880 00:45:21,880 --> 00:45:24,799 Speaker 1: Or if you're completely overwhelmed, you can go and see 881 00:45:24,800 --> 00:45:28,719 Speaker 1: a financial advisor, but a financial advisor is really expensive 882 00:45:29,040 --> 00:45:33,040 Speaker 1: in Australia. You could get a financial advisor and they'd 883 00:45:33,080 --> 00:45:36,320 Speaker 1: charge you between three and seven thousand dollars for initial advice. 884 00:45:36,360 --> 00:45:38,799 Speaker 1: And if you've got you know, a fair sum of 885 00:45:38,840 --> 00:45:41,319 Speaker 1: money to start, that might be really worth it. But 886 00:45:41,400 --> 00:45:44,360 Speaker 1: if you're starting with your first five thousand dollars, it 887 00:45:44,440 --> 00:45:48,280 Speaker 1: seems really unfair for you to have to go and invest, 888 00:45:48,800 --> 00:45:51,360 Speaker 1: you know, in a financial advisor for a couple of 889 00:45:51,400 --> 00:45:53,799 Speaker 1: thousand dollars to end up back at square one. So 890 00:45:54,000 --> 00:45:57,400 Speaker 1: I've also got on my website a robo advice platform 891 00:45:57,440 --> 00:45:59,839 Speaker 1: with our friends at six Park where you can go 892 00:46:00,040 --> 00:46:03,840 Speaker 1: and get automated investing advice that's suited to your profile 893 00:46:03,920 --> 00:46:07,800 Speaker 1: and suited to your actual and suited to your actual 894 00:46:07,880 --> 00:46:11,279 Speaker 1: risk profile and what you're trying to achieve, and they're 895 00:46:11,320 --> 00:46:15,920 Speaker 1: a team of really great investment people who will rebalance 896 00:46:15,960 --> 00:46:18,560 Speaker 1: your portfolio and look after it and actually enable you 897 00:46:18,640 --> 00:46:20,880 Speaker 1: to invest without you having to call the shots and 898 00:46:20,920 --> 00:46:23,040 Speaker 1: pick it. So there's heaps of ways, and I'm not 899 00:46:23,080 --> 00:46:25,040 Speaker 1: saying that that's the only way, but there are so 900 00:46:25,120 --> 00:46:27,759 Speaker 1: many different options. You could go direct, you could see 901 00:46:27,760 --> 00:46:29,880 Speaker 1: a financial advisor, you could use a platform like the 902 00:46:30,000 --> 00:46:33,120 Speaker 1: She's on the Money platform. But it's more about if 903 00:46:33,160 --> 00:46:37,799 Speaker 1: you want to start investing, educate yourself, really understand how 904 00:46:37,840 --> 00:46:38,880 Speaker 1: do I want to invest? 905 00:46:38,960 --> 00:46:39,920 Speaker 3: What does that mean. 906 00:46:40,040 --> 00:46:42,799 Speaker 1: I've done an investing series over on my podcast, so 907 00:46:42,840 --> 00:46:46,280 Speaker 1: you can understand what assets exist and what asset classes 908 00:46:46,320 --> 00:46:48,080 Speaker 1: you can invest in. I think that would be a 909 00:46:48,080 --> 00:46:51,799 Speaker 1: really great way to start, because investing again is at 910 00:46:51,800 --> 00:46:54,560 Speaker 1: one size fits all. You might be really ethical and 911 00:46:54,640 --> 00:46:57,200 Speaker 1: not want to invest in any level of fossil fuel, 912 00:46:57,280 --> 00:46:59,040 Speaker 1: in which case you would want to be looking at 913 00:46:59,080 --> 00:47:02,239 Speaker 1: an asset class doesn't include that. But you have to 914 00:47:02,320 --> 00:47:04,920 Speaker 1: understand you and what you want to achieve from it 915 00:47:05,000 --> 00:47:06,120 Speaker 1: before you even begin. 916 00:47:06,480 --> 00:47:10,799 Speaker 2: So interesting, and thank you for all those resources. That 917 00:47:10,920 --> 00:47:14,319 Speaker 2: is so helpful, and I think, I guess it's like 918 00:47:14,440 --> 00:47:19,080 Speaker 2: everything that is a huge thing of educating yourself before 919 00:47:19,120 --> 00:47:22,200 Speaker 2: doing it. And it's obviously amazing that you have a 920 00:47:22,239 --> 00:47:25,640 Speaker 2: lot of resources like that on your podcast. So definitely, guys, 921 00:47:25,719 --> 00:47:29,680 Speaker 2: if you are thinking of investing or anything money, make 922 00:47:29,680 --> 00:47:32,319 Speaker 2: sure you go and check out Victoria's at you know, 923 00:47:32,400 --> 00:47:38,239 Speaker 2: podcasts and book of course out to gun. But I 924 00:47:38,280 --> 00:47:41,520 Speaker 2: am going to wrap up this podcast. You have given 925 00:47:41,640 --> 00:47:46,839 Speaker 2: us so much and I really really appreciate it. Like 926 00:47:46,920 --> 00:47:49,520 Speaker 2: I said, guys, if you want to know more, make 927 00:47:49,560 --> 00:47:52,280 Speaker 2: sure you go check out Victoria. I will link everything 928 00:47:52,520 --> 00:47:56,040 Speaker 2: in the show notes. But before we go, Victoria, can 929 00:47:56,120 --> 00:47:59,680 Speaker 2: you give us a little bit of what is next 930 00:47:59,719 --> 00:48:04,719 Speaker 2: for you? So obviously you've got this super super successful podcast, 931 00:48:05,160 --> 00:48:09,319 Speaker 2: you're just releasing a book, doing so much. Can you 932 00:48:09,400 --> 00:48:11,239 Speaker 2: let us know what is next for you? 933 00:48:12,000 --> 00:48:15,680 Speaker 1: I hate this question, Georgie because I think I think, 934 00:48:16,120 --> 00:48:18,080 Speaker 1: I think it comes from a place where everybody thinks 935 00:48:18,120 --> 00:48:19,799 Speaker 1: I have my life together in. 936 00:48:19,719 --> 00:48:21,560 Speaker 3: A way that I actually don't. 937 00:48:23,200 --> 00:48:25,280 Speaker 1: And when it comes to what's next, to be honest, 938 00:48:25,320 --> 00:48:27,600 Speaker 1: I don't know. I've really been focusing on the book. 939 00:48:27,640 --> 00:48:31,200 Speaker 1: I've just launched my own investment platform. I've just launched 940 00:48:31,239 --> 00:48:34,719 Speaker 1: this year two new podcasts, The Business Bible and The 941 00:48:34,760 --> 00:48:36,920 Speaker 1: Property Playbook, which are going really well. 942 00:48:37,800 --> 00:48:39,920 Speaker 3: For me. To be honest, I don't know. 943 00:48:39,800 --> 00:48:42,520 Speaker 1: What's next, and I think that that's actually a really 944 00:48:42,520 --> 00:48:45,040 Speaker 1: special space to be in because for the last two years, 945 00:48:45,040 --> 00:48:47,279 Speaker 1: I've always known what I've had to work on. Like 946 00:48:47,320 --> 00:48:48,960 Speaker 1: I've had to work on the book, I've been working 947 00:48:49,040 --> 00:48:52,560 Speaker 1: on this at this investment platform launch, I've been working 948 00:48:52,560 --> 00:48:55,480 Speaker 1: on bringing to life these other podcasts, and I'm feeling 949 00:48:55,520 --> 00:48:58,759 Speaker 1: like my creativity is a returning and I've got a 950 00:48:58,800 --> 00:49:02,359 Speaker 1: little bit more flickability and time to really go, well, 951 00:49:02,400 --> 00:49:05,600 Speaker 1: what is next? So I don't know what that is yet, 952 00:49:06,040 --> 00:49:09,000 Speaker 1: but hopefully it'll be good. Hopefully it'll be exciting because 953 00:49:09,040 --> 00:49:10,839 Speaker 1: I feel like I've set the bar a little bit 954 00:49:10,920 --> 00:49:11,640 Speaker 1: high for myself. 955 00:49:11,680 --> 00:49:17,360 Speaker 2: If I'm honest, Literally, this guy is the limit. And Guys, 956 00:49:17,480 --> 00:49:20,480 Speaker 2: I did do a podcast with Victoria and Ryan on 957 00:49:20,560 --> 00:49:26,040 Speaker 2: the Business Bible. Had I really really enjoyed it about 958 00:49:26,440 --> 00:49:29,640 Speaker 2: I really enjoyed it. Sorry. We chatted about social media 959 00:49:29,719 --> 00:49:31,640 Speaker 2: and social media hacks. So if you want to check 960 00:49:31,640 --> 00:49:35,680 Speaker 2: that out, you can also go check that out bitt. 961 00:49:35,880 --> 00:49:38,680 Speaker 2: Thank you so much, Victoria. It has been so amazing 962 00:49:38,719 --> 00:49:40,680 Speaker 2: to have you on the podcast, and thank you so 963 00:49:40,800 --> 00:49:43,080 Speaker 2: much for sharing so much insight with us. 964 00:49:43,160 --> 00:49:47,200 Speaker 1: No, thank you for having me. I adore Rise and Conquer. 965 00:49:47,400 --> 00:49:49,359 Speaker 1: So when I had the opportunity to come on and 966 00:49:49,360 --> 00:49:51,759 Speaker 1: have a chat with you, I was like, yes, let 967 00:49:51,760 --> 00:49:52,400 Speaker 1: me add it. 968 00:49:52,520 --> 00:49:53,760 Speaker 3: I love this content. 969 00:49:53,880 --> 00:49:55,799 Speaker 1: I feel like what you do is so special and 970 00:49:56,160 --> 00:49:58,200 Speaker 1: thank you so much for including me and what you do. 971 00:49:58,360 --> 00:50:01,240 Speaker 1: And I'm just so excited to, you know, be introduced 972 00:50:01,280 --> 00:50:02,160 Speaker 1: to your community. 973 00:50:02,280 --> 00:50:04,360 Speaker 3: So thank you. Oh You're such a gem. 974 00:50:04,520 --> 00:50:08,440 Speaker 2: Thanks, thank you for listening for another rn C episode. 975 00:50:08,560 --> 00:50:11,799 Speaker 2: I really appreciate taking the time to be here with 976 00:50:11,880 --> 00:50:15,239 Speaker 2: me and also for taking the time for yourself. If 977 00:50:15,280 --> 00:50:19,080 Speaker 2: you found this episode helpful, it would be so amazing 978 00:50:19,160 --> 00:50:21,719 Speaker 2: if you shared it on your stories and tagged us, 979 00:50:21,920 --> 00:50:24,160 Speaker 2: or simply just send it on to a girlfriend or 980 00:50:24,280 --> 00:50:28,040 Speaker 2: family member who would benefit from listening. We are an 981 00:50:28,120 --> 00:50:32,120 Speaker 2: independent podcast run by me and my amazing podcast manager, 982 00:50:32,280 --> 00:50:34,279 Speaker 2: so it would mean the world to us if you 983 00:50:34,400 --> 00:50:38,200 Speaker 2: left a review on the Apple podcast app. Also, if 984 00:50:38,200 --> 00:50:41,400 Speaker 2: you're vibing this podcast and the concepts we're chatting about, 985 00:50:41,840 --> 00:50:45,719 Speaker 2: and your craving community. Please come and join us over 986 00:50:45,760 --> 00:50:49,560 Speaker 2: at the rn C podcast community Facebook group. Just search 987 00:50:49,800 --> 00:50:54,200 Speaker 2: Rise and Conquer Podcast Community on Facebook and I will 988 00:50:54,239 --> 00:50:57,600 Speaker 2: be in there to chat to you. Until next time. 989 00:50:59,560 --> 00:51:06,239 Speaker 1: The two don't. 990 00:51:11,360 --> 00:51:18,520 Speaker 2: Think the Three