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Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations

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Speaker 1: woman and I'm here to acknowledge country t Glenn Young

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Speaker 1: Ganya Niana, kaka ya Ya bin Ahaka Nian our gay

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Speaker 1: In Nimbini yakarum jar Dominyama, Domagahawakaman, damon imlan Bumba ban

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Speaker 1: Gadabomba in and now in wakah ghan On yakram jar Watnataa. Hello,

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Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.

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Speaker 1: We thank, acknowledge and respect the Abiginal people's land that

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Speaker 1: we're gathering on today. Take pleasure in all the land

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Speaker 1: and respect all that you see. She's on the Money

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Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,

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Speaker 1: knowledge and resources for you to thrive.

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Speaker 2: She's on the Money.

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Speaker 3: She's on the Money.

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Speaker 4: Hello and welcome to She's on the Money, the podcast

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Speaker 4: that's here to slay your finances this.

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Speaker 2: Christmas, Oh you funny.

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Speaker 4: I'm backsided And if your brain feels like a half

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Speaker 4: melted Pavlova right now, you are not alone. This time

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Speaker 4: of year is a lot, the family dynamics, the money stress,

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Speaker 4: the expectations, so this episode, it's not about budgets or

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Speaker 4: hacks or to do lists. It's a little gift from

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Speaker 4: us to you. Five things we wish for you as

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Speaker 4: twenty twenty five wraps up and twenty twenty six rolls

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Speaker 4: in and helping me deliver them is Victoria divine Merry

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Speaker 4: Christmas vee h.

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Speaker 5: There you didn't expect to see me here? No, actually,

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Speaker 5: Christmas Eve. I you guys know, I'm such a Christmas fiend.

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Speaker 5: I love the festivity, I love the family, I love

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Speaker 5: the friend. Oh.

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Speaker 2: I love a half melted pavlova. You know what.

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Speaker 5: I am a believer that the pavlova is better this

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Speaker 5: second day, Like you know, when like you've had the party,

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Speaker 5: everyone like I was like, oh.

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Speaker 2: No thanks, no thanks.

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Speaker 5: On dessert that it goes into the fridge and then

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Speaker 5: you eat it the next morning for breakfast.

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Speaker 2: That is peak pavlova for me.

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Speaker 4: Anything that's been that's had time to marinate overnight is

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Speaker 4: more delicious.

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Speaker 2: Yeah, a marinated pavlova. I've never been a big fan.

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Speaker 4: It's been too eggy for my liking. What is wrong

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Speaker 4: with you?

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Speaker 5: You know?

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Speaker 2: How did you get on this show? How did you

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Speaker 2: pass all the like tests we put in place, and

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Speaker 2: then finding out you don't like Panova.

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Speaker 4: I scrape all the cream off the top.

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Speaker 5: That's got an Australian not really, Oh my goodness. Well, also,

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Speaker 5: while I'm here, I just wanted to acknowledge that as

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Speaker 5: much as I love Christmas, I also think it is

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Speaker 5: a very good time to talk about how it's actually

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Speaker 5: not an easy time for everyone in our community. Like

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Speaker 5: I'm hearing it every day, and I'm just so grateful

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Speaker 5: that you guys feel safe enough to message me and

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Speaker 5: be like this is so trash be and I go, yeah,

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Speaker 5: like that would be trash, Like yes, I'm here to

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Speaker 5: empathize with you, like we know that it is a

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Speaker 5: really stressful period of time, whether that is as you

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Speaker 5: mentioned before, the family dynamic, even the travel, but mostly

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Speaker 5: at the moment we are still going through a cost

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Speaker 5: of living crisis, so our finances are taking a hit.

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Speaker 5: But then we're also just like stressed about that. So

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Speaker 5: many of you who have been messaging me saying, oh

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Speaker 5: my god, ve like, I'm so stressed. I can't even

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Speaker 5: look forward to Christmas because I've overspent.

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Speaker 2: So I'm giving these gifts.

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Speaker 5: Knowing it's quote the right thing, but I just still

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Speaker 5: feel like trash about it, Like there's just nothing that

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Speaker 5: feels good, and so I just I think that the

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Speaker 5: important thing to remind you of on Christmas Eve, before

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Speaker 5: Christmas Day, when we're probably all I don't know if

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Speaker 5: you do this, but like I over analyze everything. I

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Speaker 5: know you do too, because like the language of yours

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Speaker 5: is gift giving, and so you're probably like, oh my god,

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Speaker 5: did I get just enough?

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Speaker 2: Or did I do this? Or did I do that?

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Speaker 5: The good gifts and the things that matter at this

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Speaker 5: point of view have nothing to do with physical gifts, right,

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Speaker 5: Like they aren't wrapped in shiny paper, but they're full

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Speaker 5: of heart and love and care.

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Speaker 2: And I think.

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Speaker 5: That's exactly what we all need to be hearing this Christmas.

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Speaker 5: Like I am so grateful that tomorrow morning I'm going

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Speaker 5: to wake up with my husband and my son.

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Speaker 4: Yeah exactly, just like.

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Speaker 5: I'm just so excited, Like I have shake a pancake

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Speaker 5: mix and I cannot wait to try and make the

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Speaker 5: dodgiest shaped Christmas tree pancakes in the entire world.

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Speaker 2: And that's what I'm excited for.

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Speaker 5: And I just hope that you and our community can

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Speaker 5: find things that you're excited about tomorrow that don't involve

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Speaker 5: the gifts, that don't involve the fanciest of foods on

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Speaker 5: the Christmas table, that don't involve money.

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Speaker 2: But yes, honestly, that's not what it's about exactly.

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Speaker 4: And I feel like, you know, there are some people

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Speaker 4: who are stressed because they don't have the money, and

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Speaker 4: there's some people that are stressed or like just feeling

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Speaker 4: really sad and lonely because they might not have anyone

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Speaker 4: to celebrate Christmas with it, and some people do celebrate

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Speaker 4: Christmas at all, which is completely the case.

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Speaker 2: I'll still reply on Christmas Day.

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Speaker 4: Yeah, well, if you want to say, hey, message us

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Speaker 4: and then I can, like I can check you on

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Speaker 4: video call and you can sit and you can.

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Speaker 5: Join me in my brothers. I feel like that's so wholesome.

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Speaker 5: But then also like, don't mope. I know that it sucks,

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Speaker 5: and I know that you're probably not looking forward to

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Speaker 5: it all, but like, if you've got the time, it's

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Speaker 5: Christmas Eve, we've still got time to save this. Write

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Speaker 5: a list of all the self carey things you could

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Speaker 5: do tomorrow so that you can put you first, like

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Speaker 5: you might be on your own but like, what's your

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Speaker 5: favorite movie, Let's watch that tomorrow. Do you have a

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Speaker 5: favorite food you could cook? Like, is there a fancy

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Speaker 5: drink we could go by? Like how do we curate

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Speaker 5: a cute day.

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Speaker 4: That's just for you exactly?

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Speaker 2: We could go on a big walk. Are you close

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Speaker 2: to the beach? Like, do you know what the beach

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Speaker 2: is going to be dead tomorrow? You could go on

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Speaker 2: the best self care walk?

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Speaker 5: Yeah, And I'm manifesting good Christmas weather, So I just yeah,

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Speaker 5: I just feel like there's a lot that we could do,

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Speaker 5: And I think sometimes we just have to choose to

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Speaker 5: force ourselves to have a good day to yea, even

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Speaker 5: if it feels a little bit trashy starting.

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Speaker 4: Because if you don't have anyone else, you have yourself

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Speaker 4: and you're going to take yourself on a date. Yes,

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Speaker 4: that's gorgeous. So we've got our wishless prep.

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Speaker 2: Yeah, and color.

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Speaker 5: Of course, my n is color coded. It's also in

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Speaker 5: the notesap of my phone.

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Speaker 4: Oh yeah, it's so satisfying, So be what's up first?

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Speaker 2: All right, I have written this one down because I want.

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Speaker 5: To start with I would say the biggest one, the

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Speaker 5: most classic, most cliched, totally overused Christmas, which of all time,

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Speaker 5: but I would say for very good reason. So my

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Speaker 5: first wish for you is it's not world peace that

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Speaker 5: you saw that coming. You were like this woman thinks

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Speaker 5: she's Miss America, although that would be very nice too,

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Speaker 5: I mean personal, financial, and emotional peace. So I'm literally

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Speaker 5: just starting with peace. Like I know that that sounds

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Speaker 5: a little bit cliche, and I prefaced it that it

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Speaker 5: was going to be. If anything, I am lame, Like

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Speaker 5: I'm lay that is fine, go back to basics sometimes,

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Speaker 5: you know, but it's so underrated. Yeah, Like we talk

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Speaker 5: about wanting success and we want money, and we want,

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Speaker 5: you know, other people to see us doing well, and

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Speaker 5: we want shiny things.

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Speaker 2: But like I would say, the older I get, the

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Speaker 2: more I'm like, I just want my peace.

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Speaker 5: Yeah, Like I want the flexibility to choose to not

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Speaker 5: have to rush. And peace matters just as much as

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Speaker 5: anything else. And it is so okay to just want that.

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Speaker 5: And the truth is peace doesn't actually just appear like

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Speaker 5: it's a conscious choice. Like you have to catch yourself

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Speaker 5: in the negative self talk. You have to be able

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Speaker 5: to cut.

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Speaker 2: Ties with people that you maybe need to.

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Speaker 5: Cut ties with so that you can find your peace

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Speaker 5: and prioritize your peace. But so many of us, especially

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Speaker 5: at this point of the year, and like, I don't

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Speaker 5: know about you, but I TikTok doom scroll all the

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Speaker 5: time and I talk about it all the time. And

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Speaker 5: the influencer halls at the moment of people just like

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Speaker 5: being like, oh, and I've bought this and this and

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Speaker 5: this and this is my Christmas list, and it's all

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Speaker 5: just so materialistic, and we find ourselves slipping into like

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Speaker 5: a state of comparison. Even I'm doing it, Like I'm

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Speaker 5: looking at people's Christmas halls and like them putting together

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Speaker 5: their kids Christmas stockings, and I'm thinking.

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Speaker 2: But have I just not done enough? Like am I

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Speaker 2: a bad mum? Like I have.

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Speaker 5: A very limited Christmas stocking for Harvey because he's not

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Speaker 5: even yet too I'm like, you don't need anything, Like

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Speaker 5: I could probably wrap up a pair of socks from

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Speaker 5: my husband that he's already worn, and my son would

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Speaker 5: rip it open and be.

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Speaker 2: Like, wow, Daddy socks, like exactly.

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Speaker 5: So I don't know, I just feel like I've been

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Speaker 5: slipping into this analysis paralysis or like comparison culture, and

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Speaker 5: like just put that in the bin, like My first

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Speaker 5: wish for you literally is peace.

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Speaker 4: Yeah, what else.

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Speaker 2: Could that look like?

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Speaker 5: I suppose, especially when it's not just Christmas related, because

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Speaker 5: I think that I just wish this for you now

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Speaker 5: and into the future. But like not spiraling when you

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Speaker 5: see somebody else's gone on holiday on Instagram, not going, oh,

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Speaker 5: I can't believe they can afford that, Like that's crazy.

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Speaker 2: They probably can't.

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Speaker 5: So they can't.

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Speaker 2: They're probably in debt.

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Speaker 5: I also want you to forgive yourself if you're listening

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Speaker 5: to this episode and you're like, oh my god, VI,

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Speaker 5: I know, but I also already overspent, Like I already

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Speaker 5: overspent this Christmas Like it's cooked.

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Speaker 2: Eh, who cares? You already did it? Don't worry? Why

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Speaker 2: are you beating yourself up?

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Speaker 4: Also, the fact that you overspent means that you were

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Speaker 4: trying to buy things for either yourself.

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Speaker 2: Yeah, Like are you just a good human trying to

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Speaker 2: do a good human Like just because you did one

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Speaker 2: thing that you're like, oh, I wish I didn't do that.

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Speaker 5: Like, let's just not beat ourselves up. The what do

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Speaker 5: you get out of that except for feeling like trash?

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Speaker 5: Like making people feel like trash doesn't help them change.

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Speaker 5: I want you to even have hopefully a tiny buffer

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Speaker 5: so that if an unexpected bill pops up, it doesn't

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Speaker 5: knock you out. So tomorrow, if hypothetically you open a

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Speaker 5: present and you're like, oh, I don't really need this.

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Speaker 2: Facebook marketplace is looking so good.

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Speaker 4: Yeah, and that.

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Speaker 5: Could be like a little like I don't know, emergency

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Speaker 5: fund buffer like you true, thanks Sony Karen for that

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Speaker 5: present that just turned into my emergency fund.

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Speaker 2: Very nice.

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Speaker 5: It's also and I talk about this all the time,

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Speaker 5: automate your money so that doesn't live rent free in

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Speaker 5: your head if you're always thinking about money, when your next.

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Speaker 2: Bill is you direct debits exist.

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Speaker 5: Set these things up automated, stick in an automation so

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Speaker 5: that your savings go to savings, your investments go to investments,

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Speaker 5: or your debt repayments go to debt repayments.

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Speaker 2: Just get it done.

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Speaker 5: And also, can we just remind everybody here and now

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Speaker 5: that your worth is not dictated by your bank account exactly.

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Speaker 5: Have you ever been like, I really want to hang

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Speaker 5: out with her. She's really cool. She's got so much

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Speaker 5: money in her bank totally that that doesn't happen.

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Speaker 2: That's not a real thing.

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Speaker 4: That doesn't happen and I but also, yeah, at the

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Speaker 4: end of it all, I really think, like whether you

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Speaker 4: have overspent, whether you've whatever. I just think, isn't it

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Speaker 4: so great that you have people that you can overspend on?

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Speaker 2: Do you know what I mean exactly? And even if that.

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Speaker 4: Person is yourself, you deserve all the treats in the world.

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Speaker 5: You deserve a million treats, you really do. You are

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Speaker 5: also the sweet treat.

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Speaker 4: You're the sweet treat, and you deserve a sweet treat.

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Speaker 4: So next on the list is another very Christmas y wish.

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Speaker 4: I we sa it is joy.

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Speaker 5: Yeah, okay, so we didn't say that this wasn't going

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Speaker 5: to be lame like where we're like, this is going

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Speaker 5: to be stereotypical, but we'll make sure that it sticks.

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Speaker 2: Right Yeah yeah yeah.

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Speaker 5: So we see it all the time, people thinking that

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Speaker 5: they need to choose between like their fun or their finances.

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Speaker 5: And I think so much of the conversation around money

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Speaker 5: is about restraint.

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Speaker 2: And how many times do I say.

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Speaker 5: Your budget isn't about restricting yourself, It's about understanding, let's

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Speaker 5: not forget the money can also spark joy, yeap, Like

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Speaker 5: that's allowed. In fact, it's essential, Like Otherwise, if you're

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Speaker 5: restricting yourself forever, you're going to blow out or burn out.

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Speaker 5: And this one is so important, especially for those of

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Speaker 5: us who are like savers and we really struggle to

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Speaker 5: actually spend our money our community members who are chasing

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Speaker 5: joy with money, but then they're overspending in the wrong places,

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Speaker 5: Like that's not the type of joy we're talking about, Like,

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Speaker 5: how do you create a buffer so even when you

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Speaker 5: do spend on fun things, you don't feel guilty because

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Speaker 5: how many times do we hear on money diaries and

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Speaker 5: just from our community like.

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Speaker 2: Oh, v like I do it. I do. I have

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Speaker 2: a budget and it's for fun stuff.

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Speaker 5: But when I go and get my nails done, I

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Speaker 5: just feel really guilty because that was fifty dollars that

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Speaker 5: I probably didn't need to spend on myself. Hey sorry, sorry,

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Speaker 5: that's a good things.

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Speaker 2: It sparks joy, Like we don't feel guilty about that.

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Speaker 2: That's why we have a plan.

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Speaker 5: And I guess in addition to all of that, when

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Speaker 5: I say, oh, like, let's find joy, find joy in

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Speaker 5: the simple things like going for a walk, feeling the

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Speaker 5: cold air on your face, Like can you go for

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Speaker 5: a swim? Can you get a dollar fifty coffee from

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Speaker 5: seven to eleven. I didn't do it with someone you love,

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Speaker 5: light Beck.

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Speaker 4: Exactly, do you know what I mean?

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Speaker 5: Like, Yeah, I feel like the more successful I am,

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Speaker 5: and I'm so grateful for that.

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Speaker 2: But the more successful i.

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Speaker 5: Am, the more I'm falling back on the little things

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Speaker 5: actually being the big things. Yeah, yeah, the more I'm like, oh,

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Speaker 5: that walk goes so good, And how the hell are

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Speaker 5: you going to be grateful for the really big things

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Speaker 5: if you don't even care about the small things totally?

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Speaker 4: And I really think like if you're attaching guilt to

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Speaker 4: joy and you know, we we I think have been.

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Speaker 4: This has been drilled into us since like kids, because

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Speaker 4: if you aren't studying or if you aren't paying attention

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Speaker 4: in school, if you're doing anything that sparks joy, it's like, well,

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Speaker 4: you shouldn't be doing that, but we can let go

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Speaker 4: of that, you know.

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Speaker 2: We should be Well, you just choose not to do that, Like.

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Speaker 4: Yeah, you just you should be feeling joy and you

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Speaker 4: can feel joy and you're allowed to feel joy. Don't

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Speaker 4: attach guilt to that because then it takes all the

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Speaker 4: joy out of the little things.

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Speaker 5: Exactly, And like I want you to spend your money

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Speaker 5: on things that actually light you up, not what just

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Speaker 5: looks good and shiny on Instagram. And you need to

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Speaker 5: separate those two things because it's so easy.

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Speaker 2: I'm so easily influenced.

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Speaker 5: Beck, Like I see something on Instagram, and then I

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Speaker 5: see it a few more times, I'm like, maybe I

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Speaker 5: do need that.

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Speaker 2: Yeah, totally, Like what do you actually enjoy?

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Speaker 5: Are you doing that because you just want to feel

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Speaker 5: included and you know, want to join in on a

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Speaker 5: trend or you're like, oh my god, I'm so excited

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Speaker 5: to buy a polymerclay set and like start making little

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Speaker 5: trinkets like go run your own race.

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Speaker 2: Do what lights you up? Because, don't get me.

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Speaker 5: Wrong, feeling the buzz when you see like your debt

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Speaker 5: shrinking or your savings growing is actually incredible. So we

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Speaker 5: need to be balanced about this, right, So we're not

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Speaker 5: just spending only on joy and being like no, Victoria

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Speaker 5: said spark joy always like sorry, how good does it

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Speaker 5: feel back to.

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Speaker 2: Get out of debt?

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Speaker 4: Oh my god, for so good?

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Speaker 5: But also how much easier is life and how much

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Speaker 5: better do you feel when you're like, oh, I've got

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Speaker 5: five hundred dollars in my investing account or, I've got

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Speaker 5: money in savings, like everything feels easier.

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Speaker 2: Yeah, So like that needs to be a priority as well.

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Speaker 5: So don't get me wrong, We're not just like throwing

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Speaker 5: money at things that spark joy, because I feel like

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Speaker 5: a lot of the time a lot of us are,

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Speaker 5: and this is maybe me being a little bit negative,

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Speaker 5: but us saying things like no, it's self care, I

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Speaker 5: deserve it. I'm really flat at the moment when the

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Speaker 5: reality is you haven't gotten off your button, gone for

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Speaker 5: a good walk, you haven't called a friend and caught

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Speaker 5: up with them recently, you haven't done anything actually to

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Speaker 5: nourish you. You're not drinking enough water, you're not actually

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Speaker 5: doing all of the basic fundamental self care things. But

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Speaker 5: then you're justifying a massage and being like, well, I

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Speaker 5: need it for my self care. Like, let's just get

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Speaker 5: our little house sorted, actually care about ourselves.

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Speaker 2: Let's look at our debt, let's get out of our debt.

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Speaker 5: Let's make sure that if you had a savings plan,

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Speaker 5: you're committing to that because long term, that's what's going

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Speaker 5: to pay off. Long term, that's how you're going to

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Speaker 5: feel better about yourself and feel good. Right, totally and

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Speaker 5: you know what that's going to do.

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Speaker 4: Spark joy, spuck joy.

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Speaker 2: See I wrapped it.

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Speaker 4: God, she's good.

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Speaker 2: Oh, I'm really impressed with myself.

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Speaker 5: So let's go to a really quick break because I

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Speaker 5: don't think it's going to get better in terms of

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Speaker 5: me wrapping it there.

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Speaker 2: And on the flip side, we're going to unpack a.

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Speaker 5: Wish that has I guess central to She's on the

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Speaker 5: money from the very beginning, So don't go anywhere.

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Speaker 4: Okay, guys, we are back, and so far we've had peace,

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Speaker 4: we've had joy. And this next one isn't something you'd

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Speaker 4: normally see on a Christmas card, but I have a

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Speaker 4: feeling that if she's on the money made Christmas cards.

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Speaker 2: It probably would be it. Actually it is on our

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Speaker 2: Christmas cards from last year.

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Speaker 4: Well I'm terrible, sorry, it's very obvious you've been reading them.

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Speaker 1: Yep.

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Speaker 5: We did Christmas cards last year and you probably haven't

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Speaker 5: seen them because like I did custom Christmas cards, she's

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Speaker 5: on the money, branded and themed. But to go out

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Speaker 5: to all of our clients and like gotchness and like

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Speaker 5: to my team and whatnot. And the word is freedom. Yes,

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Speaker 5: like a lot of the just like complete side note.

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Speaker 5: One of the things we did for clients, not last year,

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Speaker 5: but a couple of years ago was I actually put

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Speaker 5: a gift card in there and I said.

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Speaker 2: It was the gift of financial freedom.

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Speaker 5: Oh that's because then on the inside I said that

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Speaker 5: you've got the freedom to do whatever you want with

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Speaker 5: this money.

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Speaker 4: That's cool.

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Speaker 5: I was, like, you could give it away, you could

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Speaker 5: give it to someone else, you could spend it on yourself,

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Speaker 5: you could get your nails done, you could like literally

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Speaker 5: do anything. You could buy a chocolate cake and eat it,

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Speaker 5: like I don't care give it to charity, but like,

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Speaker 5: this little money is the gift of financial freedom, and

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Speaker 5: I just thought that was really fun. So yes, it's

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Speaker 5: been on the cards, but you're not going to be surprised.

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Speaker 5: Freedom is the next thing that I wish for literally everybody,

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Speaker 5: And it's literally one of the reasons I started Sheese

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Speaker 5: on the money. I want every single person ever to

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Speaker 5: just have the freedom that money brings. Like I'm not

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Speaker 5: saying you need to get filthy rich, although if you

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Speaker 5: want to get filthy rich, you're in the right place.

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Speaker 5: I can teach you that too, but freedom to have choice,

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Speaker 5: like you can walk out of a toxic job.

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Speaker 2: You can say if you to a.

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Speaker 5: Bad landlord or even a bad relationship, because you've built

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Speaker 5: yourself a really good financial cushion, you could even say

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Speaker 5: no to a really bad date and then just get

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Speaker 5: a really expensive uber home.

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Speaker 4: That's it.

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Speaker 2: Do you know what I mean? That is freedom? Like

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Speaker 2: imagine being able to be on.

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Speaker 5: This terrible date and walking out and getting in an

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Speaker 5: ubart ghosting them.

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Speaker 4: Oh my god.

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Speaker 2: I'm not saying that that's a good thing.

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Speaker 4: To do, but you could, you know, and the feeling

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Speaker 4: of being like, yeah, I will get a nice cream

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Speaker 4: right now, Why the hell not? And not having really

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Speaker 4: transfer yourself from another account that has your bills money

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Speaker 4: in it would be so nice exactly.

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Speaker 5: And we also need to say that freedom isn't like

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Speaker 5: living like a billionaire and just being like, oh my god,

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Speaker 5: like you can just do whatever you want, just start

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Speaker 5: living back, it doesn't matter, it does matter. We need

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Speaker 5: to live within our means in a way that still

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Speaker 5: lets you sleep at night, because to me that's freedom

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Speaker 5: as well. Yes, Like for me, financial freedom isn't this

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Speaker 5: number that a lot of people are like, oh, what's

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Speaker 5: your financial freedom number? Back, and you might go, oh,

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Speaker 5: it's one point two million dollars because then I'll have

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Speaker 5: a sixty thousand dollars income and.

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Speaker 2: Like that is great.

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Speaker 5: And for me, I talk about financial freedom in that

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Speaker 5: aspect because to me, that's creating you know, sustainable income.

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Speaker 5: That's not what I'm talking about, Like, I'm talking about

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Speaker 5: the freedom that I felt when I was still.

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Speaker 2: In like forty thousand dollars worth of debt.

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Speaker 5: It's probably at like thirty five thousand dollars at that

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Speaker 5: point when I had finally built up enough of a

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Speaker 5: cash buffer and had an emergency account and I finally

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Speaker 5: was like, oh my god, like I can finally see

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Speaker 5: the light at the end of the tunnel. Yes, I'm

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Speaker 5: still in debt, but I still have like an emergency

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Speaker 5: fund and everything's tracking and I can afford my bills

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Speaker 5: and I'm not going into further debt, and oh that

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Speaker 5: felt good. Like I'm not saying that financial freedom is

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Speaker 5: this finite number that we are working towards for the future.

441
00:19:32,040 --> 00:19:35,760
Speaker 5: For me, it's about watching your debt string instead of

442
00:19:35,840 --> 00:19:39,280
Speaker 5: grow and feeling like every single repayment is I don't know,

443
00:19:39,359 --> 00:19:42,560
Speaker 5: reclaiming you, yeah, like and a little piece of yourself

444
00:19:43,000 --> 00:19:45,840
Speaker 5: and knowing that the small choices that you're making today, Beck,

445
00:19:46,119 --> 00:19:48,480
Speaker 5: they're opening doors in the future for you.

446
00:19:48,600 --> 00:19:50,560
Speaker 2: Like it just when you start to.

447
00:19:50,720 --> 00:19:54,639
Speaker 5: Put your financial future first, you start to go oh,

448
00:19:54,840 --> 00:19:58,320
Speaker 5: like it's it's not as bad. Like stuff happens much

449
00:19:58,400 --> 00:19:59,800
Speaker 5: quicker than I thought, Like you're not going to wake

450
00:19:59,840 --> 00:20:01,960
Speaker 5: up to morrow. Beck can be like, oh, well, yesterday

451
00:20:02,000 --> 00:20:04,960
Speaker 5: I decided to start investing in myself, and today I've

452
00:20:05,000 --> 00:20:06,320
Speaker 5: got a dollar Like.

453
00:20:06,680 --> 00:20:07,800
Speaker 2: That's not what happens.

454
00:20:07,840 --> 00:20:10,640
Speaker 5: But like you know, I keep using you as an example,

455
00:20:10,680 --> 00:20:13,840
Speaker 5: and I think that you're literally the perfect example because

456
00:20:13,880 --> 00:20:14,520
Speaker 5: I have been.

457
00:20:14,640 --> 00:20:17,120
Speaker 2: Working on your sorry, but for so long.

458
00:20:17,280 --> 00:20:20,040
Speaker 5: Like bech safe, bech safe, bech safe, Like let me

459
00:20:20,080 --> 00:20:22,280
Speaker 5: do your budget, let me do your cash flow. Fine,

460
00:20:22,760 --> 00:20:24,760
Speaker 5: I can rant and rave for as long as possible,

461
00:20:25,680 --> 00:20:30,640
Speaker 5: but that feeling, like I can tell you, And how

462
00:20:30,640 --> 00:20:32,080
Speaker 5: many times have I said, Beck, do you know how

463
00:20:32,080 --> 00:20:33,760
Speaker 5: good you'll feel when you have an emergency fund? Do

464
00:20:33,800 --> 00:20:35,800
Speaker 5: you know how good you'll feel once you start investing?

465
00:20:35,840 --> 00:20:38,400
Speaker 5: You're like yeah, yeaheah, whatever, whatever. What does it now

466
00:20:38,520 --> 00:20:41,240
Speaker 5: feel like to have a little investment fund? Did you

467
00:20:41,320 --> 00:20:43,359
Speaker 5: expect it to be where it is today?

468
00:20:43,680 --> 00:20:46,159
Speaker 4: It feels really good? And no, I didn't because I

469
00:20:46,280 --> 00:20:48,440
Speaker 4: was I could never ever save. And it's just been

470
00:20:48,480 --> 00:20:51,720
Speaker 4: like I keep getting emails from Cheersy's being like, we've

471
00:20:52,640 --> 00:20:54,600
Speaker 4: got your top up of five dollars, and I'm like,

472
00:20:54,680 --> 00:20:57,080
Speaker 4: I don't remember ever putting this top up on, but

473
00:20:57,600 --> 00:20:59,520
Speaker 4: five dollars has gone and I did not notice it.

474
00:20:59,600 --> 00:21:01,959
Speaker 4: And that's credible. And it just like keeps going up

475
00:21:01,960 --> 00:21:04,439
Speaker 4: and up and I'm not doing anything about it, and

476
00:21:04,480 --> 00:21:05,080
Speaker 4: it is just.

477
00:21:05,119 --> 00:21:07,120
Speaker 5: Knowing it's there and I don't want you to pull

478
00:21:07,160 --> 00:21:10,440
Speaker 5: it out, like and you haven't yet, which honestly slag queen,

479
00:21:10,600 --> 00:21:11,920
Speaker 5: thank you, but like just knowing.

480
00:21:11,960 --> 00:21:15,400
Speaker 2: They're like, let's pretend a really big, unexpected bill happens

481
00:21:15,440 --> 00:21:16,240
Speaker 2: and you.

482
00:21:16,160 --> 00:21:19,399
Speaker 5: Know, something really bad. Sorry, you've got access to cash.

483
00:21:19,440 --> 00:21:20,200
Speaker 5: Isn't that crazy?

484
00:21:20,359 --> 00:21:24,040
Speaker 4: That is crazy. It's never ever ever happened. It doesn't ever.

485
00:21:23,880 --> 00:21:26,399
Speaker 2: Feel like you're a little bit more free.

486
00:21:26,720 --> 00:21:29,920
Speaker 4: Definitely, there's definitely a part of it. It's like, I, yeah,

487
00:21:29,920 --> 00:21:33,080
Speaker 4: if if something went really bad and I needed twelve

488
00:21:33,160 --> 00:21:35,480
Speaker 4: hundred dollars right now, is it a twelve hundred dollars?

489
00:21:35,600 --> 00:21:37,879
Speaker 2: Is it twelve hundred dollars? Are you joking?

490
00:21:38,200 --> 00:21:40,200
Speaker 5: I keep saying like, oh, I remember when it hit

491
00:21:40,280 --> 00:21:41,440
Speaker 5: like five hundred, I.

492
00:21:41,480 --> 00:21:43,280
Speaker 2: Know, four figures.

493
00:21:43,560 --> 00:21:45,199
Speaker 4: Yes, could you believe that?

494
00:21:45,280 --> 00:21:46,399
Speaker 2: Hold on? Hold on, hold on.

495
00:21:46,480 --> 00:21:48,960
Speaker 5: So backtrack in the last twelve months. This is not

496
00:21:49,000 --> 00:21:51,600
Speaker 5: a recap. We'll do maybe a recap episode at some point.

497
00:21:51,680 --> 00:21:56,159
Speaker 5: But in twenty twenty five, Becksied invested twelve hundred dollars.

498
00:21:56,359 --> 00:21:57,879
Speaker 4: Yeah, stop it.

499
00:21:58,160 --> 00:22:00,640
Speaker 2: Yeah, well I don't. It's crazy. I don't remember more

500
00:22:00,680 --> 00:22:03,359
Speaker 2: than dollars. Yeah, I told you in January.

501
00:22:03,400 --> 00:22:05,600
Speaker 5: If I tell you down in January and said, beck, so, yeah,

502
00:22:05,640 --> 00:22:07,919
Speaker 5: you're going to invest more than one thousand dollars this year.

503
00:22:07,920 --> 00:22:08,600
Speaker 2: Would you believe me?

504
00:22:08,720 --> 00:22:10,600
Speaker 4: No, because I wouldn't. I can't afford that. And then

505
00:22:10,640 --> 00:22:13,600
Speaker 4: somehow it's just in there and I don't. It really

506
00:22:13,640 --> 00:22:16,000
Speaker 4: does make a difference, just putting those little roundups.

507
00:22:15,560 --> 00:22:18,240
Speaker 2: On, and it was good.

508
00:22:18,560 --> 00:22:20,479
Speaker 4: If you spend like I do, before you know it,

509
00:22:20,480 --> 00:22:23,480
Speaker 4: you'll have one thousand dollars in roundups going straight in there.

510
00:22:24,840 --> 00:22:27,520
Speaker 5: But that's the freedom, right, freedom, And like I don't

511
00:22:27,560 --> 00:22:28,760
Speaker 5: know if you can hear the energy in.

512
00:22:28,720 --> 00:22:31,199
Speaker 2: Both of our voices, like like, oh do you like it,

513
00:22:31,200 --> 00:22:32,280
Speaker 2: and you're like, oh yeah.

514
00:22:32,160 --> 00:22:35,359
Speaker 5: Actually, there's that level of excitement where you go, this

515
00:22:35,560 --> 00:22:38,480
Speaker 5: isn't like it used to be. This isn't the conversation

516
00:22:38,640 --> 00:22:40,840
Speaker 5: where we're talking about Okay, Beck, tell me how much.

517
00:22:40,720 --> 00:22:42,439
Speaker 2: Debt you in? Like how do we get out of that?

518
00:22:42,640 --> 00:22:44,720
Speaker 5: Can we find an extra thirty bucks a month to

519
00:22:44,720 --> 00:22:46,680
Speaker 5: pay off that debt? And like that would have been

520
00:22:46,760 --> 00:22:49,200
Speaker 5: unfathomable to you for a long time, where were like

521
00:22:49,280 --> 00:22:51,600
Speaker 5: the I can't find that, Like where would I get

522
00:22:51,600 --> 00:22:52,760
Speaker 5: an extra thirty dollars?

523
00:22:52,840 --> 00:22:55,240
Speaker 2: Like and when you started on the show, you were

524
00:22:55,280 --> 00:22:56,080
Speaker 2: talking about.

525
00:22:55,800 --> 00:22:57,879
Speaker 5: Like, oh, sometimes I have seventy nine cents in my account,

526
00:22:57,880 --> 00:23:00,000
Speaker 5: but I can make that work, and like that's good

527
00:23:00,119 --> 00:23:02,399
Speaker 5: and that's fine, and we still hold those like I

528
00:23:02,400 --> 00:23:04,800
Speaker 5: don't know if we call them values, but like sometimes

529
00:23:04,840 --> 00:23:06,480
Speaker 5: we still like that totally.

530
00:23:06,520 --> 00:23:07,520
Speaker 2: We just are who we are.

531
00:23:07,880 --> 00:23:10,760
Speaker 5: But like you've set up the frameworks to start building

532
00:23:10,760 --> 00:23:11,960
Speaker 5: your financial future.

533
00:23:12,440 --> 00:23:13,240
Speaker 2: That feels good.

534
00:23:13,320 --> 00:23:16,280
Speaker 4: It feels so good. And that freedom could even just

535
00:23:16,320 --> 00:23:17,800
Speaker 4: be like going to bed at night and knowing that

536
00:23:17,840 --> 00:23:19,760
Speaker 4: a deck collector is not calling you. You don't have

537
00:23:19,800 --> 00:23:22,240
Speaker 4: a miscall from them, no one's waiting for money. You

538
00:23:22,400 --> 00:23:26,240
Speaker 4: just that anxiety is kind of gone. So I really

539
00:23:26,320 --> 00:23:27,640
Speaker 4: do hope we can get we.

540
00:23:27,600 --> 00:23:29,280
Speaker 2: Have a thousand decent we can get there. And I

541
00:23:29,359 --> 00:23:31,320
Speaker 2: wish that for literally everybody in there.

542
00:23:31,560 --> 00:23:35,719
Speaker 4: Absolutely. Okay, so freedom feels like a pretty big one, yes,

543
00:23:35,800 --> 00:23:38,080
Speaker 4: because it was yeah oh yeah, So where do we

544
00:23:38,119 --> 00:23:38,920
Speaker 4: even go from there?

545
00:23:39,040 --> 00:23:41,280
Speaker 2: Okay? The next one is growth?

546
00:23:41,560 --> 00:23:43,920
Speaker 5: Okay, so like probably not in the way that you're

547
00:23:43,920 --> 00:23:47,000
Speaker 5: expecting me to say, but like freedom is exciting, but

548
00:23:47,080 --> 00:23:50,080
Speaker 5: growth is what makes it happen. So like, you can't

549
00:23:50,119 --> 00:23:52,040
Speaker 5: just be free one day. You can't just wake up

550
00:23:52,040 --> 00:23:53,679
Speaker 5: and be like, I'm free, I'm moving to Bali and

551
00:23:53,680 --> 00:23:56,480
Speaker 5: I'm just not going to think about finances. Growth is

552
00:23:56,520 --> 00:23:59,520
Speaker 5: what makes it possible. And unfortunately, the truth is growth

553
00:23:59,560 --> 00:24:00,200
Speaker 5: doesn't feel.

554
00:24:00,000 --> 00:24:03,200
Speaker 4: A nice It sucks growing pains.

555
00:24:03,400 --> 00:24:05,000
Speaker 2: Yeah, yeah, yeah.

556
00:24:05,040 --> 00:24:08,440
Speaker 5: Like someone said the other day, I can't even remember

557
00:24:08,440 --> 00:24:10,119
Speaker 5: what or else. It's probably either a TikTok or a

558
00:24:10,119 --> 00:24:12,359
Speaker 5: podcast I was listening to. They were like, I just

559
00:24:12,400 --> 00:24:16,159
Speaker 5: don't feel ready, and they were like, ready's not a feeling.

560
00:24:16,560 --> 00:24:17,679
Speaker 2: Ready is a choice.

561
00:24:17,920 --> 00:24:19,840
Speaker 5: Ready is a choice, Like you say, Okay, I'm ready,

562
00:24:19,880 --> 00:24:22,199
Speaker 5: I'm just going to do it like I feel like

563
00:24:22,280 --> 00:24:25,760
Speaker 5: so much of the time, especially women, we say I

564
00:24:25,800 --> 00:24:28,399
Speaker 5: just don't feel ready, like we overanalyze things. I just

565
00:24:28,400 --> 00:24:32,119
Speaker 5: don't feel prepared. No, no, no, it's not a feeling. Yeah,

566
00:24:32,280 --> 00:24:34,919
Speaker 5: put that in the bin. It is our choice. Growth

567
00:24:35,000 --> 00:24:38,440
Speaker 5: is a choice, and you just chose to start doing it.

568
00:24:38,720 --> 00:24:41,560
Speaker 5: And it's a really small decision at the very start,

569
00:24:41,960 --> 00:24:43,680
Speaker 5: and then all of a sudden you've got twelve hundred

570
00:24:43,680 --> 00:24:47,359
Speaker 5: dollars in your Sharesa's account. It's showing up again and

571
00:24:47,440 --> 00:24:50,000
Speaker 5: again and committing to something over the long time is

572
00:24:50,080 --> 00:24:52,200
Speaker 5: choosing progress over perfection.

573
00:24:52,480 --> 00:24:54,240
Speaker 2: And that's the growth.

574
00:24:53,880 --> 00:24:56,119
Speaker 5: That I'm wishing for you, not oh my gosh, I

575
00:24:56,160 --> 00:24:58,560
Speaker 5: really hope that next year you get a thirty thousand

576
00:24:58,600 --> 00:25:03,119
Speaker 5: dollars pay increase and like money win. Like it's really

577
00:25:03,160 --> 00:25:07,120
Speaker 5: about being consistent. It's that twenty dollars a week that

578
00:25:07,200 --> 00:25:11,120
Speaker 5: you are saving. Done steadily, you can change your life

579
00:25:11,280 --> 00:25:14,679
Speaker 5: more than just like a one off burst of massive energy. Yeah,

580
00:25:14,720 --> 00:25:16,960
Speaker 5: Like we talk in our community all the time, like

581
00:25:17,000 --> 00:25:18,520
Speaker 5: what are things that you could do to like get

582
00:25:18,520 --> 00:25:19,640
Speaker 5: some extra cash in the door.

583
00:25:19,640 --> 00:25:20,360
Speaker 2: And that's so good.

584
00:25:20,400 --> 00:25:22,399
Speaker 5: And you might go sell all your clothes at a

585
00:25:22,480 --> 00:25:24,400
Speaker 5: market or you might like cull the stuff at home,

586
00:25:24,440 --> 00:25:26,800
Speaker 5: put it on Facebook marketplace. You might go do like

587
00:25:27,040 --> 00:25:29,840
Speaker 5: air tasker tasks. It doesn't matter, like you might be

588
00:25:29,960 --> 00:25:33,000
Speaker 5: hustling to get some cash in the door. But if

589
00:25:33,040 --> 00:25:35,480
Speaker 5: you just have that hustle for one weekend and be like,

590
00:25:35,520 --> 00:25:37,000
Speaker 5: I'm going to smash this out of the park and

591
00:25:37,040 --> 00:25:41,000
Speaker 5: you make five hundred bucks, money win, But like sorry,

592
00:25:41,320 --> 00:25:43,200
Speaker 5: the roundups are.

593
00:25:43,040 --> 00:25:46,520
Speaker 2: More powerful in the long term totally. Like you could.

594
00:25:46,400 --> 00:25:48,560
Speaker 5: Hustle, and if I sat you down and said, beck,

595
00:25:48,600 --> 00:25:51,280
Speaker 5: if you hustled all weekend and got five hundred bucks cash,

596
00:25:51,560 --> 00:25:53,760
Speaker 5: you'd probably be like, yeah, money win. That's a good

597
00:25:53,840 --> 00:25:57,400
Speaker 5: weekend totally, But like sorry, slow and steady wins the race.

598
00:25:57,440 --> 00:25:59,959
Speaker 5: And it's actually not that sexy growth. He's not sexy.

599
00:26:00,000 --> 00:26:02,119
Speaker 5: It is not glamorous, and sometimes it can just feel

600
00:26:02,119 --> 00:26:05,760
Speaker 5: like showing up with consistency, putting away twenty bucks a week,

601
00:26:05,840 --> 00:26:08,360
Speaker 5: like automating it so it automatically goes into your savings

602
00:26:08,440 --> 00:26:11,679
Speaker 5: or your investments, or into your debt repayments, and letting

603
00:26:11,680 --> 00:26:15,160
Speaker 5: that habit change your life more than just those one

604
00:26:15,200 --> 00:26:17,639
Speaker 5: off bursts of like I'm finally motivated and I'm going

605
00:26:17,680 --> 00:26:18,840
Speaker 5: to get out of debt. I'm going to do this

606
00:26:18,880 --> 00:26:20,560
Speaker 5: whole budget and cash flow and I'm going to find

607
00:26:20,560 --> 00:26:22,159
Speaker 5: five hundred bucks and then I'm going to put it

608
00:26:22,200 --> 00:26:25,080
Speaker 5: onto my debt and then I'm too exhausted to think

609
00:26:25,119 --> 00:26:25,720
Speaker 5: about it again.

610
00:26:25,800 --> 00:26:28,399
Speaker 2: So let's just like not think about that again. Yeah.

611
00:26:28,760 --> 00:26:31,520
Speaker 5: Yeah, And we have all been there, especially me because

612
00:26:31,520 --> 00:26:34,159
Speaker 5: I have ADHD and I'm really good at locking into something.

613
00:26:34,840 --> 00:26:39,320
Speaker 5: It's also about getting curious instead of getting embarrassed about

614
00:26:39,359 --> 00:26:42,439
Speaker 5: what you don't know, and realizing that literally every silly

615
00:26:42,520 --> 00:26:45,600
Speaker 5: question is actually a step towards power.

616
00:26:45,760 --> 00:26:47,119
Speaker 4: Yes, and like we all say.

617
00:26:47,000 --> 00:26:50,680
Speaker 2: There's no silly questions, like, I've heard of silly questions.

618
00:26:50,880 --> 00:26:53,639
Speaker 5: Yeah, I'm also happy to answer them because I know

619
00:26:53,680 --> 00:26:54,720
Speaker 5: that they're not coming from.

620
00:26:54,600 --> 00:26:56,600
Speaker 2: A silly place. You might go, oh, it's a silly question,

621
00:26:56,720 --> 00:26:59,119
Speaker 2: but what's this? Sorry? Why is that silly? Were you

622
00:26:59,160 --> 00:26:59,760
Speaker 2: taught before?

623
00:27:00,160 --> 00:27:01,240
Speaker 4: Exactly?

624
00:27:02,119 --> 00:27:03,800
Speaker 5: I think a silly question is a question that you

625
00:27:03,840 --> 00:27:05,639
Speaker 5: ask a million times over, but you never listen to

626
00:27:05,680 --> 00:27:09,000
Speaker 5: the response. Yes, that's silly, And if you kept asking

627
00:27:09,000 --> 00:27:10,960
Speaker 5: me back, I'd be like, that's a silly question because

628
00:27:10,960 --> 00:27:12,040
Speaker 5: we've been here before.

629
00:27:13,119 --> 00:27:13,879
Speaker 2: Different if you're.

630
00:27:13,760 --> 00:27:16,359
Speaker 4: Not, if you can't absorb it, because it's quite complicated.

631
00:27:15,920 --> 00:27:17,879
Speaker 2: No, that's a different story. By that's your name, we

632
00:27:17,920 --> 00:27:18,479
Speaker 2: get story.

633
00:27:18,720 --> 00:27:23,359
Speaker 5: Yeah, different story building resilience as well, So when something

634
00:27:23,440 --> 00:27:25,920
Speaker 5: unexpected happens, like a bill pops up, which, by the way,

635
00:27:26,560 --> 00:27:29,560
Speaker 5: this season, I feel like we're all just there's going

636
00:27:29,640 --> 00:27:32,560
Speaker 5: to be a bill. It's gonna come going to There's

637
00:27:32,600 --> 00:27:34,879
Speaker 5: going to be someone who comes and pokes you and goes, hey,

638
00:27:34,880 --> 00:27:36,400
Speaker 5: did you forget that sixty bucks?

639
00:27:36,480 --> 00:27:37,240
Speaker 2: You go, what the hell?

640
00:27:37,440 --> 00:27:37,640
Speaker 5: Yeah?

641
00:27:37,640 --> 00:27:39,840
Speaker 2: I got a parking ticket the other day. Oh no,

642
00:27:40,600 --> 00:27:43,000
Speaker 2: I never get parking tickets. Bare I think you should

643
00:27:42,840 --> 00:27:45,439
Speaker 2: you get parking tickets. I don't get parking tickets.

644
00:27:45,680 --> 00:27:46,720
Speaker 4: It's not like us.

645
00:27:46,840 --> 00:27:48,800
Speaker 5: And I thought that I was doing the right thing.

646
00:27:48,840 --> 00:27:50,720
Speaker 5: It said like one hour zone, and I was in

647
00:27:50,760 --> 00:27:52,199
Speaker 5: a rush. And then it turns out it was like

648
00:27:52,200 --> 00:27:53,840
Speaker 5: a one hour zone for all the times that it

649
00:27:53,880 --> 00:27:56,119
Speaker 5: wasn't a male zone and it's a male zone between

650
00:27:56,160 --> 00:28:00,440
Speaker 5: ten and twelve pm, males only. And I was like, yeah, okay,

651
00:28:00,800 --> 00:28:03,399
Speaker 5: I'm not a male and the male man must have

652
00:28:03,480 --> 00:28:05,359
Speaker 5: wanted to come because I ended up with one hundred

653
00:28:05,359 --> 00:28:06,359
Speaker 5: and twenty two dollars.

654
00:28:06,359 --> 00:28:10,680
Speaker 2: Fine, I think you should fight it. I already paid it.

655
00:28:10,880 --> 00:28:12,959
Speaker 2: Oh god, I already paid it.

656
00:28:13,000 --> 00:28:14,480
Speaker 4: The freedom this is what we talk about freedom.

657
00:28:14,520 --> 00:28:15,280
Speaker 2: I already paid it.

658
00:28:15,320 --> 00:28:18,240
Speaker 5: But I know it's on me because I should have

659
00:28:18,280 --> 00:28:20,480
Speaker 5: read the sign better. But I was just stoked that

660
00:28:20,520 --> 00:28:23,080
Speaker 5: I saw a one hour zone any of the shop

661
00:28:23,119 --> 00:28:25,159
Speaker 5: that I needed to go to, and it's Christmas and

662
00:28:25,200 --> 00:28:26,200
Speaker 5: I was in a rush, you know.

663
00:28:27,040 --> 00:28:28,680
Speaker 2: No I was, Oh yeah, it was annoyed.

664
00:28:28,720 --> 00:28:30,919
Speaker 5: The fine cost me more than the present I was buying.

665
00:28:31,040 --> 00:28:34,879
Speaker 5: Oh no, anyway, it doesn't matter. But I think that

666
00:28:35,200 --> 00:28:37,680
Speaker 5: it's being resilient so that if that happens to you

667
00:28:37,760 --> 00:28:40,640
Speaker 5: as well, or if a market dip happens, or there's

668
00:28:40,640 --> 00:28:43,040
Speaker 5: a job change, like, we can adapt and we don't

669
00:28:43,040 --> 00:28:45,760
Speaker 5: have to spiral, and that doesn't send us completely off.

670
00:28:45,800 --> 00:28:48,520
Speaker 5: Because I pulled money out of my emergency fund to

671
00:28:48,560 --> 00:28:52,160
Speaker 5: pay for that. Yeah, so I was completely fine, and

672
00:28:52,320 --> 00:28:56,960
Speaker 5: I was annoyed. I didn't like it, but that financial

673
00:28:57,040 --> 00:29:01,080
Speaker 5: impact didn't change my ability to pay my mortgage or

674
00:29:01,400 --> 00:29:03,440
Speaker 5: you know what. I come from a place of privilege.

675
00:29:03,480 --> 00:29:05,400
Speaker 5: But I also need to point out that I wasn't

676
00:29:05,400 --> 00:29:07,760
Speaker 5: always this way. I had to build this from the

677
00:29:07,800 --> 00:29:10,680
Speaker 5: ground up myself. So when I talk about, like, oh,

678
00:29:10,840 --> 00:29:12,960
Speaker 5: I have multiple mortgages, some people will be like, you're

679
00:29:12,960 --> 00:29:16,600
Speaker 5: so entitled. No no, no, no, I worked so damn

680
00:29:16,680 --> 00:29:18,600
Speaker 5: hard for that. And if I can do that, you

681
00:29:18,640 --> 00:29:20,800
Speaker 5: can do that too, Yes, you can do that, Like

682
00:29:20,840 --> 00:29:22,080
Speaker 5: it can't be that hard if I can do it,

683
00:29:22,080 --> 00:29:23,960
Speaker 5: because I'm telling you right now, I'm not the smartest

684
00:29:23,960 --> 00:29:26,360
Speaker 5: person in the entire world, and if I was, I

685
00:29:26,400 --> 00:29:27,640
Speaker 5: would just have a podcast.

686
00:29:28,160 --> 00:29:29,120
Speaker 4: Oh there you go.

687
00:29:29,360 --> 00:29:31,400
Speaker 2: Also catching your own triggers.

688
00:29:31,520 --> 00:29:34,000
Speaker 5: Yes, So whether it is like sales and you're getting

689
00:29:34,000 --> 00:29:37,080
Speaker 5: a little bit like excited about the sales, or comparison

690
00:29:37,160 --> 00:29:40,560
Speaker 5: or guilt spending, let's learn how to pause before like

691
00:29:40,680 --> 00:29:44,080
Speaker 5: autopilot takes over and we're already down at Tjmax buying

692
00:29:44,120 --> 00:29:45,640
Speaker 5: more sale Christmas stuff.

693
00:29:46,520 --> 00:29:46,720
Speaker 1: You know.

694
00:29:47,720 --> 00:29:54,680
Speaker 5: Also, we need to redefine our energy. That sounds really

695
00:29:54,720 --> 00:29:58,240
Speaker 5: hippie dippy. Doesn't it redefine your ends? I wouldn't pick

696
00:29:58,320 --> 00:30:02,200
Speaker 5: that from you, redefine your identity and energy because I

697
00:30:02,240 --> 00:30:04,960
Speaker 5: think so many times we just decide that something is

698
00:30:05,000 --> 00:30:06,880
Speaker 5: our narrative because we just.

699
00:30:06,880 --> 00:30:08,960
Speaker 2: Have felt it for so long that well it must

700
00:30:08,960 --> 00:30:11,680
Speaker 2: be true. Yeah, I know what you mean, Like, oh, well.

701
00:30:11,560 --> 00:30:14,600
Speaker 5: I'm bad with money, Yeah, so was I. At one point,

702
00:30:14,600 --> 00:30:15,680
Speaker 5: would you say I'm bad with money?

703
00:30:15,760 --> 00:30:17,120
Speaker 4: Now, beck, I wouldn't think so.

704
00:30:17,400 --> 00:30:20,120
Speaker 2: Well, I mean sometimes bad money. We've got a podcast.

705
00:30:20,560 --> 00:30:24,880
Speaker 5: But but we don't need to define ourselves at all.

706
00:30:24,960 --> 00:30:27,680
Speaker 5: But so many of us define ourselves as I am

707
00:30:27,680 --> 00:30:29,480
Speaker 5: someone who's bad with money. That's why I have to

708
00:30:29,520 --> 00:30:33,000
Speaker 5: listen to Sheese on the Money. You're someone who is

709
00:30:33,040 --> 00:30:34,120
Speaker 5: proactive around money.

710
00:30:34,160 --> 00:30:34,680
Speaker 2: Exactly.

711
00:30:34,760 --> 00:30:37,640
Speaker 5: He wants to be really good with money. You are capable,

712
00:30:37,800 --> 00:30:41,720
Speaker 5: you can improve every single day. Like, sorry, what is

713
00:30:42,000 --> 00:30:44,600
Speaker 5: even bad with money? He's bad with money?

714
00:30:44,680 --> 00:30:45,440
Speaker 2: Donald Trump?

715
00:30:45,680 --> 00:30:47,160
Speaker 4: Exactly, exactly, exactly.

716
00:30:47,600 --> 00:30:47,960
Speaker 2: Do you know what?

717
00:30:48,160 --> 00:30:48,240
Speaker 5: Like?

718
00:30:48,320 --> 00:30:49,760
Speaker 2: I know you'd be like, oh, is he really his

719
00:30:49,840 --> 00:30:51,400
Speaker 2: a billionaire? Yeah? Do you know how many times he's

720
00:30:51,400 --> 00:30:55,000
Speaker 2: got bankrupt? He is bad with money. He's so nothing

721
00:30:56,040 --> 00:30:57,520
Speaker 2: he is He should be.

722
00:30:57,480 --> 00:31:00,640
Speaker 5: Grateful and standing on that podium being like I'm grateful

723
00:31:00,680 --> 00:31:02,000
Speaker 5: for my intergenerational wealth.

724
00:31:02,200 --> 00:31:04,400
Speaker 2: Yes, because that is what he's holding him up.

725
00:31:04,600 --> 00:31:06,040
Speaker 4: That's it. Without it, he might be prob.

726
00:31:06,200 --> 00:31:08,560
Speaker 2: We're not bad her money. No, he bat it money.

727
00:31:08,640 --> 00:31:13,200
Speaker 5: Oh yeah. Anyway, I think it's becoming more like yourself,

728
00:31:13,600 --> 00:31:15,960
Speaker 5: not about becoming a new you. You don't need to

729
00:31:16,000 --> 00:31:18,360
Speaker 5: completely redefine yourself and be like, oh well I need

730
00:31:18,400 --> 00:31:19,600
Speaker 5: to find this new identity.

731
00:31:19,840 --> 00:31:21,040
Speaker 4: Yeah, no, who are you?

732
00:31:21,080 --> 00:31:21,760
Speaker 2: What do you like?

733
00:31:22,040 --> 00:31:25,000
Speaker 4: That's such a good point because I feel like I

734
00:31:25,040 --> 00:31:27,600
Speaker 4: am prone to overspending. Because I know that I'm prone

735
00:31:27,600 --> 00:31:30,080
Speaker 4: to overspending. It I'm just can you.

736
00:31:30,080 --> 00:31:32,440
Speaker 2: Just justify it because you're like, oh that's so me.

737
00:31:33,000 --> 00:31:35,520
Speaker 4: Yeah, like, oh, I don't really have much self control,

738
00:31:35,520 --> 00:31:37,480
Speaker 4: but I'm like I could. If I start telling people

739
00:31:37,560 --> 00:31:40,080
Speaker 4: or telling myself I had self control, maybe i'd have

740
00:31:40,120 --> 00:31:40,719
Speaker 4: self control.

741
00:31:40,800 --> 00:31:43,240
Speaker 2: You can literally make anything up and make it stick. Yeah,

742
00:31:43,440 --> 00:31:45,640
Speaker 2: you really care? Like it's actually crazy?

743
00:31:46,400 --> 00:31:48,440
Speaker 5: Do you know what is going to be one of

744
00:31:48,480 --> 00:31:51,320
Speaker 5: my favorite things to live into twenty twenty six?

745
00:31:51,520 --> 00:31:52,040
Speaker 2: Delusion?

746
00:31:52,520 --> 00:31:54,920
Speaker 5: Oh yeah, sorry, if I can see somebody else has

747
00:31:54,960 --> 00:31:57,760
Speaker 5: already done something, yeah, why can't I?

748
00:31:57,960 --> 00:32:00,840
Speaker 4: Next on this is delusion. We wish that, we wish

749
00:32:00,840 --> 00:32:01,840
Speaker 4: that for you in tween queens.

750
00:32:02,040 --> 00:32:03,800
Speaker 2: Yeah, but not delusion, not delusion.

751
00:32:04,400 --> 00:32:08,640
Speaker 4: No, the next one is tough. I think it's something

752
00:32:08,640 --> 00:32:09,440
Speaker 4: we will struggle with.

753
00:32:09,840 --> 00:32:10,320
Speaker 2: Delusion.

754
00:32:10,480 --> 00:32:13,320
Speaker 4: I've got so much delusion delusion, and I think they

755
00:32:13,320 --> 00:32:14,840
Speaker 4: go hand in hand. Confidence.

756
00:32:15,240 --> 00:32:18,400
Speaker 5: Yes, but you get more confidence by being more delulu exactly.

757
00:32:18,440 --> 00:32:21,400
Speaker 5: It's so as I said, I wish more Delulu on you.

758
00:32:21,560 --> 00:32:25,360
Speaker 4: Yes, the delulu comes first, and then the confidence from

759
00:32:25,480 --> 00:32:27,040
Speaker 4: the delulu exactly.

760
00:32:27,160 --> 00:32:27,959
Speaker 2: Like confidence.

761
00:32:28,160 --> 00:32:30,560
Speaker 5: This goes back to like me saying, oh I'm not

762
00:32:30,640 --> 00:32:34,200
Speaker 5: ready okay, but it's not a feeling, it's a choice.

763
00:32:34,640 --> 00:32:38,000
Speaker 5: Like being confident is a choice every single time, I

764
00:32:38,160 --> 00:32:41,480
Speaker 5: like get on Instagram and ask people, Hey, I want

765
00:32:41,480 --> 00:32:43,240
Speaker 5: to do it like a Q and a sesh, like

766
00:32:43,360 --> 00:32:45,400
Speaker 5: let's have like a little chat love catching up with

767
00:32:45,400 --> 00:32:47,120
Speaker 5: the community, and like, oh my god, some of your

768
00:32:47,160 --> 00:32:50,840
Speaker 5: questions are so unhinged. I love it. But always it'll

769
00:32:50,840 --> 00:32:53,200
Speaker 5: come up like how are you so confident? How are

770
00:32:53,240 --> 00:32:56,960
Speaker 5: you so good at public speaking? I actually just write

771
00:32:57,000 --> 00:32:59,880
Speaker 5: a little bit of delusion, but putting that aside, I

772
00:33:00,320 --> 00:33:05,640
Speaker 5: just choose that, like I'm not inherently confident, Like I

773
00:33:05,640 --> 00:33:06,200
Speaker 5: can pick it.

774
00:33:06,240 --> 00:33:06,920
Speaker 2: Do you want me to.

775
00:33:06,880 --> 00:33:08,440
Speaker 5: Stand in front of the mirror and pick apart every

776
00:33:08,480 --> 00:33:12,000
Speaker 5: single thing I'm not entirely confident about about my body?

777
00:33:12,240 --> 00:33:13,640
Speaker 2: Great, I can do that perfectly.

778
00:33:13,880 --> 00:33:16,480
Speaker 5: My personality, Oh, I can rip a new one for myself,

779
00:33:16,920 --> 00:33:19,480
Speaker 5: Like I can shred myself in a way that nobody

780
00:33:19,520 --> 00:33:22,120
Speaker 5: else could. And I know you can too, Like nobody

781
00:33:22,200 --> 00:33:24,560
Speaker 5: else is ever as mean to you as you.

782
00:33:24,560 --> 00:33:25,400
Speaker 2: Are to yourself.

783
00:33:25,760 --> 00:33:28,200
Speaker 5: And once you realize that, you can flip the narrative

784
00:33:28,200 --> 00:33:29,280
Speaker 5: and be like, do you know what, no one else

785
00:33:29,320 --> 00:33:31,680
Speaker 5: can be as nice to me as I can be

786
00:33:31,800 --> 00:33:33,760
Speaker 5: to me. No one's going to have my back in

787
00:33:33,760 --> 00:33:36,320
Speaker 5: the same way that I have my own back, because

788
00:33:36,520 --> 00:33:39,719
Speaker 5: it doesn't matter how much you love somebody, you're the

789
00:33:39,760 --> 00:33:43,320
Speaker 5: only choice for you. If every single person you've ever

790
00:33:43,400 --> 00:33:46,400
Speaker 5: known leaves your life, who you left with, yes, yourself.

791
00:33:46,440 --> 00:33:48,080
Speaker 5: So you've got to have your own back. And I

792
00:33:48,080 --> 00:33:51,240
Speaker 5: think it's true the hardest because when we loop this

793
00:33:51,400 --> 00:33:54,720
Speaker 5: back to money, confidence is not about how much money

794
00:33:54,760 --> 00:33:57,200
Speaker 5: you have in your bank account. I was in debt

795
00:33:57,200 --> 00:33:59,600
Speaker 5: when I started my business. As I said, we ride

796
00:33:59,720 --> 00:34:03,800
Speaker 5: on delusion. It's about the stories and the narrative that

797
00:34:03,840 --> 00:34:06,440
Speaker 5: you tell yourself. If you are consistently telling yourself you

798
00:34:06,480 --> 00:34:08,439
Speaker 5: are not good enough, what are you going to start

799
00:34:08,440 --> 00:34:10,880
Speaker 5: believing You're really going to believe it? Well, I believe

800
00:34:11,239 --> 00:34:12,920
Speaker 5: when I'm like, oh my god, I'm so bad at this,

801
00:34:13,080 --> 00:34:14,920
Speaker 5: Like I've just chosen to not be good at it.

802
00:34:15,520 --> 00:34:16,799
Speaker 2: Like that's exactly it.

803
00:34:16,880 --> 00:34:20,800
Speaker 5: And my wish for you is the kind of confidence,

804
00:34:20,960 --> 00:34:22,560
Speaker 5: like I'm not expecting you to get up on a

805
00:34:22,600 --> 00:34:26,200
Speaker 5: stage and do a keynote. That's a lot, but it's

806
00:34:26,239 --> 00:34:29,680
Speaker 5: the kind of confidence that drowns out the voice that

807
00:34:29,760 --> 00:34:32,960
Speaker 5: says you're not ready, or you're not enough yeah, or

808
00:34:33,160 --> 00:34:36,480
Speaker 5: that that's not for you. That's like how many times.

809
00:34:36,520 --> 00:34:38,319
Speaker 5: Do you go, oh, well, that's nice for them, but

810
00:34:38,360 --> 00:34:39,680
Speaker 5: that couldn't happen for me.

811
00:34:40,160 --> 00:34:42,120
Speaker 4: Yeah, Or I couldn't be that kind of pa I couldn't.

812
00:34:42,200 --> 00:34:45,200
Speaker 2: Oh no, like her, it's not true. Yeah, she negotiated

813
00:34:45,239 --> 00:34:46,920
Speaker 2: a pay rise like that's very her.

814
00:34:47,160 --> 00:34:48,319
Speaker 4: Like, yeah, ah, that's I.

815
00:34:48,680 --> 00:34:51,600
Speaker 2: Don't have the confidence. No, you do.

816
00:34:52,080 --> 00:34:53,680
Speaker 4: That's the thing, Like I'm going to.

817
00:34:53,719 --> 00:34:57,000
Speaker 2: Slap you don't. It's twenty twenty five, nearly twenty twenty six.

818
00:34:57,040 --> 00:34:58,120
Speaker 2: You shouldn't slap people.

819
00:34:58,120 --> 00:35:00,000
Speaker 4: But like, I think you're allowed.

820
00:35:00,080 --> 00:35:02,239
Speaker 5: I would, though she would, I would go do you

821
00:35:02,800 --> 00:35:05,920
Speaker 5: think of that? And confidence is I don't know. It's

822
00:35:05,960 --> 00:35:07,640
Speaker 5: that little voice in the back of your head where

823
00:35:08,080 --> 00:35:10,480
Speaker 5: rach just says, oh no, not yet, not yet, You're

824
00:35:10,520 --> 00:35:13,400
Speaker 5: not ready. Do you know you can fight with that

825
00:35:13,440 --> 00:35:14,319
Speaker 5: little voice in your head.

826
00:35:14,440 --> 00:35:14,719
Speaker 1: You can.

827
00:35:14,920 --> 00:35:18,080
Speaker 5: You might seem a little bit unhinged, but you can

828
00:35:18,080 --> 00:35:21,040
Speaker 5: do whatever you want. Yeah, isn't that cool? Like I

829
00:35:21,120 --> 00:35:24,120
Speaker 5: am not embracing free will nearly enough.

830
00:35:24,440 --> 00:35:28,760
Speaker 2: Yeah, that's so true. Like, sorry, you're telling me that. Sorry.

831
00:35:28,800 --> 00:35:31,120
Speaker 2: If I go back to six year old Victoria and

832
00:35:31,160 --> 00:35:33,279
Speaker 2: I told her you can do whatever you want, go,

833
00:35:33,400 --> 00:35:35,359
Speaker 2: can you go to the supermarket and get fruit lives

834
00:35:35,400 --> 00:35:36,160
Speaker 2: and eat them for dinner.

835
00:35:36,560 --> 00:35:40,439
Speaker 5: I literally could beck, we are not embracing our free

836
00:35:40,520 --> 00:35:43,439
Speaker 5: will enough. And you know when you flip it, that's

837
00:35:43,480 --> 00:35:46,359
Speaker 5: not confidence. But like you're saying I could stand up

838
00:35:46,360 --> 00:35:47,000
Speaker 5: for myself.

839
00:35:47,200 --> 00:35:49,880
Speaker 2: You're saying that I could just decide. Do you know what?

840
00:35:49,920 --> 00:35:54,160
Speaker 2: My body's pretty bloody good. Yeah, what a flipping narrative.

841
00:35:54,360 --> 00:35:57,160
Speaker 2: I know, Like ask for the pay rise? What's the

842
00:35:57,200 --> 00:35:58,880
Speaker 2: worst that could happen? Yeah?

843
00:35:58,920 --> 00:36:00,719
Speaker 5: They say no, and you go, okay, thank you so

844
00:36:00,800 --> 00:36:03,680
Speaker 5: much for that experience, Like you knew you deserved the

845
00:36:03,760 --> 00:36:05,799
Speaker 5: yes because you've done all the time, You've done all

846
00:36:05,800 --> 00:36:07,640
Speaker 5: the research and I know that you did.

847
00:36:08,440 --> 00:36:09,960
Speaker 2: But like, what's the worst thing they could say?

848
00:36:09,960 --> 00:36:10,040
Speaker 1: No?

849
00:36:10,200 --> 00:36:12,799
Speaker 5: Thanks for the experience in negotiating. I'm coming back to

850
00:36:12,840 --> 00:36:17,600
Speaker 5: you in six months. Yeah, it totally starts interesting. Start investing,

851
00:36:17,880 --> 00:36:19,400
Speaker 5: like you don't need thousands of dollars?

852
00:36:19,440 --> 00:36:20,560
Speaker 2: Do you know how much you need? Back?

853
00:36:21,480 --> 00:36:21,760
Speaker 4: Dollar?

854
00:36:21,880 --> 00:36:23,640
Speaker 2: One dollar even less?

855
00:36:23,680 --> 00:36:24,560
Speaker 4: Sometimes yep?

856
00:36:24,600 --> 00:36:26,400
Speaker 5: And how much did you start with? I think you

857
00:36:26,440 --> 00:36:28,600
Speaker 5: started with the free money because you use so.

858
00:36:30,280 --> 00:36:32,600
Speaker 2: You can even start for free because I'll just give

859
00:36:32,600 --> 00:36:34,120
Speaker 2: you ten bucks exactly.

860
00:36:34,320 --> 00:36:36,680
Speaker 5: Make sure that there are a link to our Shares's

861
00:36:36,800 --> 00:36:39,080
Speaker 5: code is in the show notes, so that if you

862
00:36:39,120 --> 00:36:41,120
Speaker 5: want to start with literally nothing and you just want

863
00:36:41,120 --> 00:36:44,799
Speaker 5: to invest with my money, you can, but I think

864
00:36:44,840 --> 00:36:47,880
Speaker 5: it's investing. But then not knocking your confidence when the

865
00:36:47,920 --> 00:36:49,520
Speaker 5: market wobbles a little bit and going.

866
00:36:49,440 --> 00:36:51,160
Speaker 2: No, no, no, no no, this is going to happen. This

867
00:36:51,200 --> 00:36:52,160
Speaker 2: is part of the journey.

868
00:36:52,719 --> 00:36:56,400
Speaker 5: We need to move past analysis paralysis by taking like

869
00:36:57,239 --> 00:37:00,839
Speaker 5: one step forward, even if those steps aren't perfect, even

870
00:37:00,880 --> 00:37:03,439
Speaker 5: if they're smaller than you kind of hoped them to be. Sorry,

871
00:37:03,480 --> 00:37:06,359
Speaker 5: they're still steps in the right direction, not exactly, and

872
00:37:06,480 --> 00:37:10,040
Speaker 5: I would be saying no to over committing. Sorry, I'm

873
00:37:10,080 --> 00:37:11,880
Speaker 5: so good at that. So this is maybe just like

874
00:37:11,920 --> 00:37:14,799
Speaker 5: a little side note for me story devine. Stop overspending,

875
00:37:14,920 --> 00:37:19,480
Speaker 5: stop over committing. Yeah, stop it, because I'm just doing

876
00:37:19,520 --> 00:37:23,360
Speaker 5: things just because everybody else is sometimes and.

877
00:37:23,960 --> 00:37:25,920
Speaker 2: You just don't need to. You just don't need to.

878
00:37:26,000 --> 00:37:27,040
Speaker 2: I didn't even like it.

879
00:37:28,560 --> 00:37:31,399
Speaker 4: So do you think you can go without good? Probably? Can?

880
00:37:31,760 --> 00:37:33,480
Speaker 2: Right. It's like how many.

881
00:37:33,239 --> 00:37:35,239
Speaker 5: Times have I said yes to the third coffee of

882
00:37:35,280 --> 00:37:37,440
Speaker 5: the day because my whole team are going down for

883
00:37:37,520 --> 00:37:39,480
Speaker 5: the coffee and I don't want to miss out.

884
00:37:39,600 --> 00:37:41,239
Speaker 2: But then get back to my desk and I'm all

885
00:37:41,280 --> 00:37:42,279
Speaker 2: shaky because I shouldn't have.

886
00:37:42,280 --> 00:37:44,040
Speaker 5: Said yes to the third coffee because I know I

887
00:37:44,040 --> 00:37:46,320
Speaker 5: can't have three coffees, but I just wanted to be involved.

888
00:37:46,480 --> 00:37:49,280
Speaker 2: I know, why is that me? Anyway?

889
00:37:49,760 --> 00:37:51,840
Speaker 5: I think it's about designing a life that looks different

890
00:37:51,840 --> 00:37:55,320
Speaker 5: from everybody else's because it just suits you, it suits

891
00:37:55,360 --> 00:37:57,319
Speaker 5: what you want to do, and knowing that that is

892
00:37:57,360 --> 00:37:59,480
Speaker 5: exactly what is right for you and exactly where you

893
00:37:59,480 --> 00:38:02,880
Speaker 5: should be exactly Like and the best thing I have

894
00:38:02,960 --> 00:38:05,719
Speaker 5: for confidence is stop looking at other people and just going, oh,

895
00:38:05,719 --> 00:38:06,640
Speaker 5: they're so confident.

896
00:38:06,920 --> 00:38:08,080
Speaker 4: Yes, And you know what's.

897
00:38:07,920 --> 00:38:10,600
Speaker 5: Crazy of it, because like that doesn't mean they actually are.

898
00:38:10,760 --> 00:38:13,840
Speaker 5: They could be completely masking.

899
00:38:13,520 --> 00:38:16,239
Speaker 4: You never know. The thing about confidence is like our

900
00:38:16,360 --> 00:38:20,120
Speaker 4: brains are so powerful and we are completely capable of

901
00:38:20,160 --> 00:38:23,000
Speaker 4: doing anything. The only thing holding us back is our

902
00:38:23,080 --> 00:38:25,840
Speaker 4: level of confidence, or this thing that we put on ourselves,

903
00:38:25,840 --> 00:38:28,120
Speaker 4: like oh, I'm not a good speaker, but say ah,

904
00:38:28,200 --> 00:38:30,960
Speaker 4: and you can be. It's just the confidence.

905
00:38:30,600 --> 00:38:33,000
Speaker 2: Level is a choice. Literally, everything is a choice.

906
00:38:33,040 --> 00:38:36,320
Speaker 5: And if a mediocre, middle aged white man can do it,

907
00:38:36,360 --> 00:38:37,359
Speaker 5: why the hell can't we?

908
00:38:37,360 --> 00:38:38,480
Speaker 2: Well, why the hell not?

909
00:38:38,640 --> 00:38:41,759
Speaker 5: I said exactly, So I'm going to wrap it up

910
00:38:41,760 --> 00:38:44,520
Speaker 5: here as like a little gift with a very big

911
00:38:44,600 --> 00:38:46,640
Speaker 5: red bow on it. So as we close out this

912
00:38:46,719 --> 00:38:50,279
Speaker 5: year and I guess step into the next, as much

913
00:38:50,280 --> 00:38:52,640
Speaker 5: as we've had a laundry list of like probably forty

914
00:38:52,640 --> 00:38:53,560
Speaker 5: minutes of me being like.

915
00:38:53,520 --> 00:38:54,799
Speaker 2: A peace and joy I love.

916
00:38:56,160 --> 00:38:58,960
Speaker 5: My wish for you is actually very very simple. It

917
00:38:59,040 --> 00:39:03,520
Speaker 5: is peace in your mind and in your money. It

918
00:39:03,640 --> 00:39:07,400
Speaker 5: is finding joy in the small things and also the large. Like,

919
00:39:07,400 --> 00:39:09,800
Speaker 5: don't get me wrong, like we can still celebrate the large,

920
00:39:09,880 --> 00:39:12,680
Speaker 5: but like I promise, the large things feel even larger

921
00:39:13,719 --> 00:39:16,959
Speaker 5: when you can celebrate the small things too. Yeah, it's

922
00:39:17,280 --> 00:39:21,640
Speaker 5: the freedom to choose differently and live on your own terms.

923
00:39:22,040 --> 00:39:26,000
Speaker 5: It's the growth that actually comes from showing up for yourself.

924
00:39:25,520 --> 00:39:27,560
Speaker 2: Again and again and again, and then you're going to.

925
00:39:27,600 --> 00:39:29,640
Speaker 5: Look back on yourself in twelve months and be like,

926
00:39:29,640 --> 00:39:33,360
Speaker 5: oh my god, I am a different, better, more well rounded,

927
00:39:33,480 --> 00:39:37,120
Speaker 5: more well adjusted, confident human being. And I want you

928
00:39:37,160 --> 00:39:40,160
Speaker 5: to have the confidence to have your own back even

929
00:39:40,200 --> 00:39:42,120
Speaker 5: when it feels really hard, because it does feel really

930
00:39:42,200 --> 00:39:45,839
Speaker 5: hard sometimes it does. Yeah, and like you're never gonna

931
00:39:45,920 --> 00:39:48,280
Speaker 5: I'm so sorry, like imposter syndrome.

932
00:39:48,600 --> 00:39:51,480
Speaker 2: I believe in it fully, but I also just disregard it.

933
00:39:51,640 --> 00:39:54,000
Speaker 2: I have it. Yeah, I have just decided whatever.

934
00:39:54,200 --> 00:39:56,160
Speaker 4: Honestly, it does fade over time, So if you.

935
00:39:56,120 --> 00:39:59,120
Speaker 2: Have a will, when is it going to fade? Approximately?

936
00:39:59,120 --> 00:40:00,480
Speaker 2: I still feel like someone it's going to come.

937
00:40:00,440 --> 00:40:03,880
Speaker 5: Knocking and be like, who gave you a podcast that

938
00:40:04,000 --> 00:40:05,720
Speaker 5: you run a mortgage broking business?

939
00:40:05,760 --> 00:40:06,560
Speaker 2: Are you insane?

940
00:40:07,000 --> 00:40:09,520
Speaker 4: The voice does get quieter, though, so stick with it. It

941
00:40:09,680 --> 00:40:11,840
Speaker 4: was pretty loud for me, but I understand.

942
00:40:12,080 --> 00:40:14,640
Speaker 5: But that's where I have to be quite aggressive in

943
00:40:14,760 --> 00:40:18,080
Speaker 5: choosing yeah to show up and going no, if other

944
00:40:18,080 --> 00:40:19,640
Speaker 5: people can do this, I can do this.

945
00:40:20,400 --> 00:40:20,480
Speaker 1: No.

946
00:40:20,880 --> 00:40:23,320
Speaker 5: If you know my friends believe in me, I should

947
00:40:23,360 --> 00:40:27,480
Speaker 5: also believe in me. If Victoria believes in me, I do, like, yeah,

948
00:40:27,560 --> 00:40:29,120
Speaker 5: do you know what I mean? Like it's a choice,

949
00:40:29,160 --> 00:40:31,960
Speaker 5: and for some people the imposters injury, it does fade.

950
00:40:32,120 --> 00:40:34,080
Speaker 5: For other people like I just feel like the more

951
00:40:34,120 --> 00:40:36,600
Speaker 5: stuff I do, I go, are you sure? Like, are

952
00:40:36,600 --> 00:40:37,920
Speaker 5: you're gonna let me do this?

953
00:40:38,120 --> 00:40:38,239
Speaker 1: Like?

954
00:40:38,920 --> 00:40:39,520
Speaker 5: What do you mean?

955
00:40:40,200 --> 00:40:42,920
Speaker 2: I'm grateful for it, but I'm delulu.

956
00:40:43,120 --> 00:40:46,000
Speaker 4: Start trying to view yourself the way your friends see you,

957
00:40:46,000 --> 00:40:48,560
Speaker 4: you know? Yeah, So I think it's a great place

958
00:40:48,600 --> 00:40:50,719
Speaker 4: to leave it. I agree from all of us that

959
00:40:50,760 --> 00:40:52,879
Speaker 4: she's on the Money. We are so proud of you.

960
00:40:52,960 --> 00:40:54,040
Speaker 4: Merry Christmas.

961
00:40:54,160 --> 00:40:54,799
Speaker 2: We really do.

962
00:40:54,800 --> 00:40:56,759
Speaker 4: Love you and we cannot wait to see what you

963
00:40:56,800 --> 00:40:58,080
Speaker 4: create in twenty twenty six.

964
00:40:58,160 --> 00:40:59,480
Speaker 2: But this is also not goodbye.

965
00:40:59,640 --> 00:41:03,440
Speaker 5: Okay, so we are not going anywhere over this holiday season.

966
00:41:03,480 --> 00:41:05,920
Speaker 5: Your other favorite podcasts might be putting their feet up,

967
00:41:05,920 --> 00:41:09,520
Speaker 5: but not us, No, So make sure that you are subscribed,

968
00:41:09,640 --> 00:41:12,600
Speaker 5: because we'll be right back in your ears with fresh episodes,

969
00:41:12,600 --> 00:41:15,400
Speaker 5: hanging out with all of you literally all summer all

970
00:41:15,480 --> 00:41:15,919
Speaker 5: New Years.

971
00:41:16,000 --> 00:41:19,280
Speaker 2: You think that are we going to stop? No, sorry,

972
00:41:19,440 --> 00:41:20,239
Speaker 2: we committed to.

973
00:41:20,200 --> 00:41:23,840
Speaker 5: The small steps and now they are consistent podcasts exactly.

974
00:41:24,160 --> 00:41:26,360
Speaker 2: So have a really good Christmas tomorrow.

975
00:41:26,360 --> 00:41:28,400
Speaker 5: If you don't celebrate Christmas, I just hope you have

976
00:41:28,440 --> 00:41:29,319
Speaker 5: a good flipping day.

977
00:41:29,400 --> 00:41:30,120
Speaker 2: Have a great day.

978
00:41:30,360 --> 00:41:34,600
Speaker 4: See you guys, by guys.

979
00:41:38,080 --> 00:41:40,600
Speaker 5: The advice shared on She's on the Money is general

980
00:41:40,640 --> 00:41:43,880
Speaker 5: in nature and does not consider your individual circumstances.

981
00:41:44,239 --> 00:41:44,839
Speaker 2: She's on the.

982
00:41:44,760 --> 00:41:48,319
Speaker 5: Money exists purely for educational purposes and should not be

983
00:41:48,400 --> 00:41:51,200
Speaker 5: relied upon to make an investment or financial decision.

984
00:41:51,600 --> 00:41:53,920
Speaker 2: If you do choose to buy a financial.

985
00:41:53,400 --> 00:41:57,360
Speaker 5: Product, read the PDS TMD and obtain appropriate financial advice

986
00:41:57,440 --> 00:42:01,360
Speaker 5: tailored towards your needs Victoria Devine and she's on the money.

987
00:42:01,400 --> 00:42:04,880
Speaker 5: Are authorized representatives of money sheper P T Y L

988
00:42:04,920 --> 00:42:07,520
Speaker 5: T D A b N three two one six four

989
00:42:07,640 --> 00:42:10,600
Speaker 5: nine two seven seven zero eight a F s L

990
00:42:10,760 --> 00:42:13,200
Speaker 5: four five one two eight nine