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Speaker 1: She's on the Money. She's on the Money.

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

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Speaker 2: for millennials who want financial freedom. My name is Tony Lodge,

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Speaker 2: and I'm sure that you weren't expecting to just hear

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Speaker 2: me today, but I've got something really really special for

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Speaker 2: you all. Last week, Victoria joined our friend Sarah Holloway

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Speaker 2: over on the podcast called Seize the Ya. And I'm

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Speaker 2: sure that a lot of you have heard of her.

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Speaker 2: You can follow Sarah on Instagram at Seize the Ya

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Speaker 2: or Spoonful of Sarah. And they had a really insightful

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Speaker 2: chat and as soon as I listened to it, I thought,

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Speaker 2: oh my gosh, aw, She's on the Money. Community would

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Speaker 2: absolutely love this. So I've decided to share it straight

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Speaker 2: to our feeds so that you can listen to it

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Speaker 2: and hopefully see a bit of a different side Victoria

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Speaker 2: and maybe the beginnings of She's on the Money that

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Speaker 2: you've never actually heard before.

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Speaker 3: I know that you're absolutely gonna love it, so please enjoy. Victoria.

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Speaker 4: Welcome to the show, and Hi, Hello, how are you.

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Speaker 4: Oh my gosh, it's been so lovely to see your face.

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Speaker 4: We've guys been chatting for about twenty minutes before we

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Speaker 4: actually started chatting on about actual podcast things.

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Speaker 5: Yeah, we're not very good at this whole get to

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Speaker 5: the work thing.

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Speaker 3: Ali.

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Speaker 4: Well, as you know, before we kick off, I start

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Speaker 4: every episode by asking what the most down to worth

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Speaker 4: thing is.

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Speaker 3: About you to break the ice, particularly.

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Speaker 4: When we put our guests on a pedestal, and you

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Speaker 4: said it so well yourself in the new book She's

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Speaker 4: on the money book that we often think of you as,

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Speaker 4: you know, the elusive oracle of saving, and you've made

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Speaker 4: Forbes thirty.

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Speaker 3: Under thirty this year.

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Speaker 4: You're right up there on a pedestal for me, So

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Speaker 4: it's wild you break the eyes and just remind us

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Speaker 4: that you're a normal human.

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Speaker 5: I am so normal it is not funny. In fact,

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Speaker 5: I wasn't even sure what to tell you, because I

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Speaker 5: am a very big listener of your podcast, obviously, but

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Speaker 5: I knew you were going to ask this question, and

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Speaker 5: I kept being like, what am I going to say?

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Speaker 3: But in our.

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Speaker 5: Conversation before, you were like, oh my gosh, I wish

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Speaker 5: we had been recording this. So I guess I'll just

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Speaker 5: retell this story of how everybody thinks I'm this polished

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Speaker 5: human because you know she's on the money. Profile definitely

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Speaker 5: has some beautiful pictures. We've got a gorgeous photographer, Miranda,

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Speaker 5: who always makes us look like how best selves? But

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Speaker 5: me in real life, if you came into the office,

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Speaker 5: it's very likely that there are at least six empty

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Speaker 5: coffee cups that have arguably been sitting on my desk

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Speaker 5: for a week.

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Speaker 3: Which is not a good thing.

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Speaker 5: That is not a bragging right, Like my team literally

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Speaker 5: always like Victoria, that's disgusting, And I'm like, I don't

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Speaker 5: even care.

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Speaker 3: And I don't wear shoes very.

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Speaker 5: Often in the office, Like obviously, if I'm having a

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Speaker 5: photo shooter, if I'm going on socials, or I'm going

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Speaker 5: to see a client, yeah, I'll definitely put on a

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Speaker 5: nice pair of shoes. I adore shoes, but good luck

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Speaker 5: trying to get me in them at my desk.

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Speaker 3: So I feel like I.

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Speaker 5: Genuinely would just say I am incredibly normal. I am

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Speaker 5: incredibly down to earth. My favorite things are my oat

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Speaker 5: latte in the morning with my partner walking my dog,

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Speaker 5: where I look like I've just rolled out of bed

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Speaker 5: because I don't want to get ready first thing in

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Speaker 5: the morning. And you know, maybe you wouldn't even notice me.

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Speaker 5: You'd walk past me and be like, oh, she was

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Speaker 5: a mess. I hope she's having a better day later.

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Speaker 5: But yeah, I think I'm relatively down to earth. And

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Speaker 5: something that my team actually say very often is like,

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Speaker 5: oh my gosh, Victoria, if only the internet knew the real.

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Speaker 3: You I love. I love like revealing that side of you,

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Speaker 3: the actual real you.

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Speaker 4: That everyone would be like, you know that you would

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Speaker 4: be mortified if it came out, But that makes us all.

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Speaker 5: I wouldn't be, though, Like I've got nothing to hide,

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Speaker 5: and you know, like, if you want to see more

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Speaker 5: of that, go follow all my team members on Instagram

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Speaker 5: because they actually film me half the time and put

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Speaker 5: it on their Instagrams because they genuinely find it really amusing.

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Speaker 3: I've got no shame, my friends.

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Speaker 4: What about something financially relatable about you? Because you are

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Speaker 4: the elusive oracle of saving I have it in my

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Speaker 4: mind that you never make a bad financial decision, or

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Speaker 4: you never do anything that's you know, other people might

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Speaker 4: seem I think is wasteful or like indulge in, but

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Speaker 4: I love Oh my gosh.

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Speaker 5: Are you very joking? I'm the pinnacle of doers. I

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Speaker 5: say not as I do, Like I would be honestly

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Speaker 5: embarrassed if you guys saw some of my spending habits

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Speaker 5: and just I could absolutely tighten up. And you know,

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Speaker 5: there's never a good excuse. You know, you always should

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Speaker 5: be caring about future you and putting it first. But

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Speaker 5: given how busy I am, and that's again never an excuse.

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Speaker 5: I am very good at uber eat. It's very good

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Speaker 5: at fast food, like not McDonald's and stuff, but just

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Speaker 5: take away, Like the amount of Asaii balls that I

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Speaker 5: buy on uber Eats is wild, and I'm not mad

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Speaker 5: about it because I know that that's the way that

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Speaker 5: I'm still nourishing myself and still looking after my body

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Speaker 5: and making sure that I'm not just eating junk all

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Speaker 5: the time. But it's getting a little bit out of hand.

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Speaker 3: But that is the greatest thing about you, I reckon.

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Speaker 4: That's the greatest thing about the podcast and the book

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Speaker 4: and your overall approach to you know, financial health and

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Speaker 4: the way that we manage our life for future us

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Speaker 4: is that it's so flexible and you make time for

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Speaker 4: the things that make you happy, like you're very much

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Speaker 4: like you don't always have to make only sensible decisions

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Speaker 4: you know, you can do your oat latte in the morning.

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Speaker 3: That makes you very happy.

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Speaker 6: You know.

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Speaker 4: It's not like you have to be sensible all the time.

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Speaker 4: It's just you have to work around the things that

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Speaker 4: our priorities for you. I love that because then I

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Speaker 4: feel less guilty when I'm like, oh, that bit's okay.

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Speaker 3: Then no.

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Speaker 5: And I think that that's a really common misconception, maybe

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Speaker 5: about us, because I know other financial advisors do follow

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Speaker 5: or subscribe to this notion that you need to cut

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Speaker 5: out all unnecessary spending. And you know, if you cut

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Speaker 5: back your coffee Sarah, oh my gosh, you could save

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Speaker 5: nearly two thousand dollars in one year. That's ridiculous. Like,

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Speaker 5: that is what makes me happy. That is what sparks

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Speaker 5: my joy. That is what you know, I really value,

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Speaker 5: and I don't want to change those things. I don't

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Speaker 5: want somebody to pry away the joy from my life

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Speaker 5: and the little things that we have. So I just

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Speaker 5: don't subscribe to the notion that somebody else can dictate

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Speaker 5: to you how you spend your money. What I want

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Speaker 5: is people to just understand what their own values are

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Speaker 5: so that their money flows in relation to that. I

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Speaker 5: don't want you to miss out, but I also want

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Speaker 5: you to be really aware of where your money is

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Speaker 5: going because more often than not, let's use me as

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Speaker 5: an example, more often than not, your money isn't actually

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Speaker 5: flowing in line with your values unless you sit down

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Speaker 5: and make a plan for it.

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Speaker 3: Like do I value uber? It's absolutely not.

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Speaker 5: I wish I took my lunch to work every single day,

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Speaker 5: but my money and my money story and my you know,

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Speaker 5: my budget right now would tell you that I really

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Speaker 5: do value ubric's when that's not actually the reality, and

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Speaker 5: I need.

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Speaker 3: To shift that. It's not saying it's bad.

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Speaker 5: There's no such thing as bad when it comes to money.

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Speaker 5: It's just more do you want to do that or

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Speaker 5: do you want to do something else? Like have you

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Speaker 5: not got a bigger goal? And like, yes, I do,

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Speaker 5: But am I currently prioritizing it? No, And that's silly

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Speaker 5: by future me, Like I'm not putting myself first by

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Speaker 5: spending that way, And that's why I'm really aware of it.

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Speaker 5: I'm not saying cut back on spending because that doesn't

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Speaker 5: make anybody happy and it's not sustainable.

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Speaker 3: No one wants that. No one does want that. Well,

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Speaker 3: I think one of the reasons.

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Speaker 4: I'm so excited to dive into this episode in particular,

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Speaker 4: and as you know, the first section that we will

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Speaker 4: go through is your Way to Yea. So how you

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Speaker 4: got to this position of knowing what your passion is

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Speaker 4: and knowing what you want to teach people and the

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Speaker 4: best way to do that and you are doing it

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Speaker 4: so incredibly well to millions of Australians. But what I'm

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Speaker 4: excited about is that our friendship is one of those

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Speaker 4: that really epitomizes the idea that life does unravel in chapters.

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Speaker 4: Even that we met a few chapters ago for both

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Speaker 4: of us, and the things that we're passionate about and

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Speaker 4: that we wake up full of purpose and drive for

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Speaker 4: didn't exist when we first met each other. Yeah, so

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Speaker 4: while you know she's on the money, makes so much

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Speaker 4: sense now is your big mission and vision? You're a

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Speaker 4: wonderful example that you didn't wake up like that. You

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Speaker 4: didn't even wake up in finance. You know that wasn't

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Speaker 4: even your first career. It takes a lot of little

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Speaker 4: steps to build up to the thing that later is

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Speaker 4: crystal clear, is like why you ended up there. The

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Speaker 4: dots often only connect a lot, you know, further down

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Speaker 4: the track, and as you always say on your podcast,

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Speaker 4: you can do everything, but not all at once.

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Speaker 5: Yeah, so true, And I think it's so one of

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Speaker 5: those things. Sometimes you go through things and you don't

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Speaker 5: realize how beneficial it is for you until you've actually

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Speaker 5: come through to the other side and you can see, oh,

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Speaker 5: my gosh, that taught me so much, even though it

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Speaker 5: was a terrible experience at the time, or you really

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Speaker 5: weren't enjoying it.

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Speaker 3: And you know, I.

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Speaker 5: Talk to people all the time like, oh, I wish

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Speaker 5: I was in your position where I get to do

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Speaker 5: something that I love every single day, and I'm like, oh, yeah,

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Speaker 5: But like I've been in the position where I didn't

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Speaker 5: even know what I wanted to do as my next step,

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Speaker 5: and I had, I would say, a crisis when I

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Speaker 5: realized I didn't want to be in psychology anymore. And

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Speaker 5: you know, talking back on it, it sounds like a

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Speaker 5: really beautiful story, right, it sounds like this, Oh, the

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Speaker 5: flow of her career has been so dreamy and easy

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Speaker 5: in you know, those logical steps exist, but at the

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Speaker 5: time I felt like I'd wasted my university degrees and

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Speaker 5: what was I doing and why have I even gone

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Speaker 5: down this path and like, this is so silly, I

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Speaker 5: don't fit here. And yeah, I think that that's the

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Speaker 5: side of things that people don't talk about, which is

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Speaker 5: really important to talk about, because we don't always see

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Speaker 5: that clarity.

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Speaker 3: In the moment.

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Speaker 5: We only see it looking back on it. And I

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Speaker 5: don't know what's next, I don't know what's coming up.

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Speaker 5: But I think that my journey has taught me that

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Speaker 5: it's actually okay to sometimes not know, and okay to

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Speaker 5: just dabble and test and see if it works and

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Speaker 5: you know, have a good time along the way, because

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Speaker 5: sometimes you to get that it's not necessarily about the

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Speaker 5: destination that we're getting to. It's actually about the journey

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Speaker 5: and enjoying that, because if you didn't enjoy the journey,

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Speaker 5: what was the point of getting to this impressive place

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Speaker 5: in the end.

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Speaker 4: Absolutely, and also that even though now in this chapter

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Speaker 4: of your life, this is the ultimate destination that all

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Speaker 4: the dots so far have led you towards, I think

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Speaker 4: it's also important that you acknowledge that this isn't the

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Speaker 4: end destination. This is just the iteration of your joy

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Speaker 4: and your passion and your skills and them all intersecting

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Speaker 4: right now, but in two years, three years time, we

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Speaker 4: could jump on a podcast again together and we both

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Speaker 4: be doing completely different things. Which is why this section is.

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Speaker 4: I spend a lot of time on how you got

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Speaker 4: here to remind everyone that if they're not where you are,

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Speaker 4: that's okay, maybe they're not meant to be, Maybe they're

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Speaker 4: ten steps beforehand, and that you too, had to start

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Speaker 4: right back at the very beginning. So can you take

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Speaker 4: us back to young Victoria what it was like at

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Speaker 4: Padua College in Mornington? You know, what was your first

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Speaker 4: job and your first idea of what you thought you

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Speaker 4: would want to be, and how did you choose psychology

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Speaker 4: and kind of take us through. I think what's really

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Speaker 4: interesting is when people start to agitate for change, how

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Speaker 4: do you know the signs that something maybe isn't working

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Speaker 4: for you when you have gone down a particular pathway

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Speaker 4: for quite a while, and then it's hard to know

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Speaker 4: what the signs are that maybe you need to shift. So, yeah,

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Speaker 4: take us through those early years in that first career.

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Speaker 5: Ah, it is such a long story, and you know,

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Speaker 5: I think it's actually a really relatable one if you

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Speaker 5: go back to school. I don't think I had a

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Speaker 5: very good school experience, I was really bullied.

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Speaker 3: I didn't enjoy it.

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Speaker 5: I had, you know, I had some really good friends

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Speaker 5: and I've still got those friends, so I wasn't completely

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Speaker 5: on my own. But you know, as a teenager it

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Speaker 5: often feels that way. And you know, I was good academically,

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Speaker 5: and I guess that's what you know didn't hold me back,

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Speaker 5: but you know, it makes you feel like you're not

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Speaker 5: the cool kid, and you're always trying to fit in.

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Speaker 5: And you know, I was really good at maths, and

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Speaker 5: it was really good at science, and I dored biology,

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Speaker 5: and you know, I was often a teacher's favorite, just

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Speaker 5: because I would ask lots of questions and always be

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Speaker 5: really interested because learning has always been something that one

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Speaker 5: I've been really good at, but two I'm just interested in,

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Speaker 5: like I don't want to know the answer. I actually

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Speaker 5: want to know how we got there. And I guess,

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Speaker 5: you know, I had a maths teacher that really didn't

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Speaker 5: like me and got really frustrated because in the year

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Speaker 5: eleven and twelve I did specialist and specialist maths is

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Speaker 5: a lot more formula than it is times tables, I

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Speaker 5: guess to summarize it, right, it's less simple maths and

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Speaker 5: more complex formula, and I would not be able to

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Speaker 5: understand the formula until I understood where I could apply

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Speaker 5: it and how it would work. And I remember this

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Speaker 5: teacher being so frustrated with me because everybody else would

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Speaker 5: just read the textbook and you know, understand it, and

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Speaker 5: I just couldn't comprehend the formula until she said, Okay, well,

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Speaker 5: this is how you'd apply it to, you know, a

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Speaker 5: mini setting, or this is what that means, or this

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Speaker 5: is where X actually come from, and that would really

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Speaker 5: help me. So for me, my learning needs to be

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Speaker 5: really contextual. I need to understand it. So she didn't

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Speaker 5: particularly like me, and in fact, I would say that

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Speaker 5: I was somewhat bullied by that teacher. My parents had

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Speaker 5: to get involved and I got moved out of her

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Speaker 5: class because of that. And I guess that really deflates

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Speaker 5: you in a way, because I didn't have somebody who

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Speaker 5: had my back in you know, I would say that

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Speaker 5: I do come across as quite intelligent now, but it

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Speaker 5: made me feel really silly because she used to tell

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Speaker 5: me like, oh, if you're going to keep doing this,

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Speaker 5: seal amount to nothing and things like that, which is

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Speaker 5: really horrendous from a teacher when teachers are meant to

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Speaker 5: support you. So I guess this isn't the experience people

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Speaker 5: would assume I had because they would be like, oh,

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Speaker 5: she would have flown through school, and that's just not

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Speaker 5: the case. In fact, in year eleven and twelve, I

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Speaker 5: missed a lot of school. I was struggling with, you know,

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Speaker 5: feeling really flat. But I also had a pretty serious

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Speaker 5: eating disorder during school as well, one that I was

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Speaker 5: hospitalized for a.

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Speaker 3: Number of times.

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Speaker 5: And it's totally okay, and I'm so happy to talk

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Speaker 5: about it because I think this context is really important

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Speaker 5: for people, especially on a podcast like yours, to understand

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Speaker 5: that I haven't come from a place where it's always

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Speaker 5: just been really easy. It's always been a bit of

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Speaker 5: a struggle. And I think that the thing that I'm

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Speaker 5: most proud of myself is my tenacity, and I always

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Speaker 5: get back up and I go no, I can absolutely

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Speaker 5: do this, like I don't need somebody else's validation to

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Speaker 5: make sure that happens. And I wasn't experiencing and eating

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Speaker 5: disorder because I wanted to be skinny or pretty or

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Speaker 5: any of those things. It was actually an outcome of

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Speaker 5: me wanting to feel more in control of a situation

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Speaker 5: because you know, going through school, you just don't feel

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Speaker 5: as in control as you can. And so mine ruminated

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Speaker 5: into that, and you know, I'm absolutely well and truly recovered.

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Speaker 3: In fact, I look back and go, who was that person?

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Speaker 5: Like, I'm such a foodie now and I enjoy food

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Speaker 5: and there's no issues there at all, which I'm really

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Speaker 5: grateful for because I know a lot of people sometimes

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Speaker 5: don't lose that. So that experience really led me down

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Speaker 5: a path of you know, I guess, realizing things and

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Speaker 5: enlightenment and being enlightened and wanting to learn more about

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Speaker 5: psychology because I had a really good psychologist and I

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Speaker 5: felt like in that moment, I could do that for

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Speaker 5: people too. So psychology was the next step because I've

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Speaker 5: always been someone that wants to help others, Like that

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Speaker 5: would be the underlying thing for every career that I've

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Speaker 5: ever had, is can I help other people? Because that's

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Speaker 5: where I get my joy, Like I get joy out

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Speaker 5: of teaching, I get joy out of, you know, knowing

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Speaker 5: that you're in a better position having crossed my path.

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Speaker 5: And you know, psychology was always something that really enabled

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Speaker 5: me to do that. So I started studying that and

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Speaker 5: just thought, Wow, this is so interesting and there's lots

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Speaker 5: of biology in that. You get to, you know, do

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Speaker 5: a lot of study and understand how the brain functions.

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Speaker 3: And then I remember getting.

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Speaker 5: To third year of psych and that's the last year

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Speaker 5: of your undergraduate degree, and I did a placement and

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Speaker 5: I hated it.

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Speaker 3: I couldn't know.

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Speaker 5: I was such a good learner and adored universe, but

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Speaker 5: I could not get my head around the fact that

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Speaker 5: what do you mean like.

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Speaker 3: This is going to be the job I too? This

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Speaker 3: is how it translates what this is awful?

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Speaker 5: And I took everything home. So I was definitely not

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Speaker 5: very good at psychology, and I think that takes a

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Speaker 5: really special Sorry, Lucy, that is not yours.

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Speaker 3: Give me two seconds. Sorry, Oh my god, don't be

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Speaker 3: I'm definitely living this in just saying, Lucy is the Sheeperdoodle.

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Speaker 4: Just FYI to everyone because I'm not cutting that out

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Speaker 4: because that was amazing.

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Speaker 3: Sorry.

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Speaker 5: She just went into my bathroom and I've left one

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Speaker 5: of the drawers open, and she had literally a mouthful

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Speaker 5: of silk scrunchies and she was running out of my

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Speaker 5: office with them, and I was like, no, satan not

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Speaker 5: today today.

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Speaker 3: Oh my god. And the silk it's like, can you

365
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Speaker 3: just get my cotton shitty scrunchy while my silk one

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Speaker 3: you are whole.

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Speaker 5: Yes, she had three of them, So thank you, Lucy.

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Speaker 5: Where was I I was telling you about how psychology

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Speaker 5: was not my cooling anyway. I would take everything home

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Speaker 5: and I just felt like I wasn't the right person

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Speaker 5: for that. And I genuinely believe it takes a really

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Speaker 5: special person to work in psychology and be able to

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Speaker 5: separate themselves. But I wasn't able to do that, and

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Speaker 5: it really impacted me, like my emotional energy would be

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Speaker 5: so flat. At the end of the day, I'd go

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Speaker 5: home and just ruminate on the stories that i'd heard.

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Speaker 5: And you know, now I'm much better at that, but

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Speaker 5: as a twenty one, twenty two year old, I can't

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Speaker 5: remember how old I was, but about then, it's.

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Speaker 3: A lot to carry.

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Speaker 5: I'm very lucky in that I've never experienced serious trauma,

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Speaker 5: so I couldn't relate to a lot of these stories,

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Speaker 5: especially at such a young age where I didn't have

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Speaker 5: a lot of life experience. I have beautiful parents who

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Speaker 5: you know, brought me up and obviously experienced some stuff,

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Speaker 5: but none of it was seriously traumatic, and so hearing

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Speaker 5: those stories, I was always like, wow, Like I just

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Speaker 5: wanted to pick these people up and take them out

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Speaker 5: of those situations. But that's not what psychology is about.

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Speaker 5: It's helping them deal with those situations. Anyway, kind of

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Speaker 5: hit a crisis point and realized that wasn't for me,

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Speaker 5: and thankfully I was surrounded by a lot of really

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Speaker 5: supportive people. One of them said, I think you want

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Speaker 5: to be in organizational psychology, and I was like, what

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Speaker 5: is that. I've literally never heard of it. I've been

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Speaker 5: doing psyche for three years. Anyway, did my research. Organizational

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Speaker 5: psychology is the science of people at work, and it

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Speaker 5: is all about culture and engagement and improving work life

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Speaker 5: balance for people. And I was like, oh, I could

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Speaker 5: totally get around that. So, without having any experience in it,

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Speaker 5: I enrolled in an honors program at a different university,

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Speaker 5: doing an organizational psyche thesis and doing my honors year

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Speaker 5: in that because I was just like, yep, that seems

404
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Speaker 5: to be the only logical answer obviously, and I went

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Speaker 5: and I got an internship in the space and started

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Speaker 5: to love that. And culture is it's so important. Obviously,

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Speaker 5: that's what's going to help you enjoy a job, whether

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Speaker 5: you like the actual job semantics or not. And I

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Speaker 5: really liked having an impact and working in a space

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Speaker 5: where I could help senior leaders, you know, go to

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Speaker 5: the next level. It was never about fixing things in

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Speaker 5: the way that I felt psychology was, but it was

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Speaker 5: more about, you know, empowering them to take the next

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Speaker 5: step and talking about, you know, the next thing in

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Speaker 5: their job, or you know, what do you want to

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Speaker 5: achieve or you know, have you got imposter syndrome? And

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Speaker 5: I would always just I loved those conversations, and so did

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Speaker 5: my honors year. And I went and I got a

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Speaker 5: grad job in all psych and I was very lucky

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Speaker 5: to get it because I was the youngest one on

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Speaker 5: the team. And I started being a consultant and I

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Speaker 5: went out to organizations and you know, I worked in

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Speaker 5: a team.

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Speaker 3: It wasn't just me being sent out as a.

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Speaker 4: Grad A promise you, hi, I'm brand new, let me

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Speaker 4: change everything.

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Speaker 5: Yeah, Hi, I would love to measure the engagement of

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Speaker 5: your community or your your business. I have no experience

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Speaker 5: but high anyway, So it was kind of a grad role,

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Speaker 5: kind of not a grad role. It was like the

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Speaker 5: next step because they didn't have grad roles. And I

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Speaker 5: loved it, but I kept coming into this situation where

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Speaker 5: I'd only studied psychology, but i'd go and meet with

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Speaker 5: a team of people in a business who worked in

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Speaker 5: accounting that'd be like, what's counting? I don't get it,

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Speaker 5: or people who were from the marketing department, and I'd

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Speaker 5: be like, I also don't get your work experience because

438
00:20:29,320 --> 00:20:32,520
Speaker 5: I didn't know genuinely, I didn't know what work they did,

439
00:20:33,160 --> 00:20:35,480
Speaker 5: and they kept coming up with questions for me that

440
00:20:35,520 --> 00:20:37,359
Speaker 5: I just felt really stumped on. So when it came

441
00:20:37,400 --> 00:20:40,399
Speaker 5: to culture and engagement, I'd be, you know, across it

442
00:20:40,400 --> 00:20:43,480
Speaker 5: because I'd studied it and fully comprehended it. But people

443
00:20:43,480 --> 00:20:46,160
Speaker 5: would often say, Oh, Victoria, it's not my work that's

444
00:20:46,200 --> 00:20:49,400
Speaker 5: stressing me. It's that I don't have enough money. It's Oh,

445
00:20:49,520 --> 00:20:51,919
Speaker 5: my wife is pregnant and we just don't know how

446
00:20:51,960 --> 00:20:54,200
Speaker 5: we going to afford it because we hadn't planned for this,

447
00:20:54,359 --> 00:20:57,240
Speaker 5: Or oh, my mortgage repayments are getting us down. Don't

448
00:20:57,240 --> 00:20:59,639
Speaker 5: worry my engagements not because of that. It's because I've

449
00:20:59,640 --> 00:21:02,240
Speaker 5: got a lot going on at home and money at

450
00:21:02,240 --> 00:21:05,919
Speaker 5: that point started to become this really big underlying theme

451
00:21:05,960 --> 00:21:08,520
Speaker 5: in my life that I didn't feel like I understood

452
00:21:08,560 --> 00:21:12,120
Speaker 5: I had control of. So during this time, Also because

453
00:21:12,160 --> 00:21:16,560
Speaker 5: I didn't understand the different segments of business, I, in

454
00:21:16,760 --> 00:21:19,240
Speaker 5: typical Victoria fashion, wanted to study more.

455
00:21:19,359 --> 00:21:22,359
Speaker 3: So I enrolled in my MBA. Is that when you

456
00:21:22,400 --> 00:21:23,280
Speaker 3: started your MBA.

457
00:21:23,720 --> 00:21:26,479
Speaker 5: I started my MBA when I was twenty one and

458
00:21:26,520 --> 00:21:28,399
Speaker 5: I finished it at twenty three.

459
00:21:28,680 --> 00:21:29,520
Speaker 3: Of course you didn't.

460
00:21:29,960 --> 00:21:33,639
Speaker 5: Yeah, absolutely, of course I did. It's really normal, guys, so.

461
00:21:33,800 --> 00:21:36,199
Speaker 4: Normal, And I love that with your other degree, you know,

462
00:21:36,240 --> 00:21:37,680
Speaker 4: the one before that, You're like, I just want to

463
00:21:37,680 --> 00:21:39,040
Speaker 4: step my toe into aucyite.

464
00:21:39,080 --> 00:21:41,480
Speaker 3: So I'm going to do like a full thesis. Yeah,

465
00:21:41,960 --> 00:21:43,720
Speaker 3: I just kind of dip my toe in a little bit.

466
00:21:43,960 --> 00:21:48,360
Speaker 5: I'm definitely I go hard or go home, Firson. So yeah,

467
00:21:48,359 --> 00:21:52,240
Speaker 5: I started my MBA and got to study finance. So

468
00:21:52,240 --> 00:21:56,240
Speaker 5: I did my nagerial finance. I did managerial accounting and thrived,

469
00:21:56,440 --> 00:22:00,680
Speaker 5: like loved it. Could not understand why I hated tables

470
00:22:00,760 --> 00:22:01,560
Speaker 5: so much.

471
00:22:01,480 --> 00:22:03,120
Speaker 3: Could not you know what I mean?

472
00:22:03,200 --> 00:22:06,399
Speaker 5: Like, I just was so sure that the impact of

473
00:22:06,560 --> 00:22:11,040
Speaker 5: finance was so profound for me, And yeah, I started

474
00:22:11,080 --> 00:22:13,720
Speaker 5: loving that and dabbling in that. And at that point

475
00:22:13,880 --> 00:22:16,080
Speaker 5: at this job where I was working in org psych,

476
00:22:16,119 --> 00:22:18,840
Speaker 5: I had this client who was a financial advisor, and

477
00:22:19,080 --> 00:22:21,600
Speaker 5: every day he used to say, like every day that

478
00:22:21,640 --> 00:22:23,320
Speaker 5: I worked with him, he'd be like, you'd be a

479
00:22:23,359 --> 00:22:26,400
Speaker 5: great advisor, Like consider it, Like you'd be so much

480
00:22:26,480 --> 00:22:28,520
Speaker 5: better at that than this. And I'd always be like,

481
00:22:28,560 --> 00:22:31,199
Speaker 5: that is literally the worst job I can think of,

482
00:22:31,600 --> 00:22:35,480
Speaker 5: Like who would want to be a financial advisor? So

483
00:22:35,680 --> 00:22:37,679
Speaker 5: obviously I pushed it off and pushed it off. I

484
00:22:37,720 --> 00:22:40,840
Speaker 5: had no interest in entertaining this. And you know, after

485
00:22:41,080 --> 00:22:43,919
Speaker 5: studying it and really feeling like I understood it and

486
00:22:43,960 --> 00:22:46,600
Speaker 5: becoming a bit disengaged myself in the role that I

487
00:22:46,720 --> 00:22:48,800
Speaker 5: was in because I just felt like I wasn't having

488
00:22:48,840 --> 00:22:51,439
Speaker 5: the impact I wanted to have, I kind of just

489
00:22:51,480 --> 00:22:53,520
Speaker 5: took the plunge and said, all right, I'm going to

490
00:22:53,600 --> 00:22:56,760
Speaker 5: quit anyway. I'd actually just moved roles to a new job.

491
00:22:56,840 --> 00:23:01,119
Speaker 5: I'd gone from consulting to being internal attally at a university,

492
00:23:01,280 --> 00:23:04,880
Speaker 5: and I didn't like it at all. The team were

493
00:23:05,560 --> 00:23:09,800
Speaker 5: not good, the culture was awful. I realized that, you know,

494
00:23:10,080 --> 00:23:12,280
Speaker 5: in this role, I was never going to have an

495
00:23:12,320 --> 00:23:15,320
Speaker 5: impact because there was just too many hoops to jump through,

496
00:23:15,400 --> 00:23:18,280
Speaker 5: and you know, very much a culture of but this

497
00:23:18,400 --> 00:23:20,480
Speaker 5: is the way it's always been done, and I just

498
00:23:20,520 --> 00:23:23,160
Speaker 5: don't end here or you know, subscribe to that notion

499
00:23:23,320 --> 00:23:25,880
Speaker 5: at all. So I think I was in that job

500
00:23:25,920 --> 00:23:28,320
Speaker 5: for just over six months when I said I can't

501
00:23:28,320 --> 00:23:30,679
Speaker 5: do this, Like I wanted to meet probations so that

502
00:23:30,760 --> 00:23:32,760
Speaker 5: I didn't look like I had not met it because

503
00:23:32,760 --> 00:23:35,359
Speaker 5: I was definitely an achievement based person. I was like, oh,

504
00:23:35,440 --> 00:23:37,160
Speaker 5: I don't want people to think that. So I think

505
00:23:37,280 --> 00:23:40,160
Speaker 5: just over six months I said, you know what, anything

506
00:23:40,240 --> 00:23:43,119
Speaker 5: would be better than this, and I started doing finance

507
00:23:43,160 --> 00:23:47,040
Speaker 5: and started a role there, and obviously you have to

508
00:23:47,080 --> 00:23:49,640
Speaker 5: be certified to do that, so I went and i'd

509
00:23:49,680 --> 00:23:53,680
Speaker 5: finished my MBA, so I jumped into doing financial advice

510
00:23:53,760 --> 00:23:58,840
Speaker 5: and I did my Diploma of Financial Planning, and yeah,

511
00:23:58,920 --> 00:24:01,560
Speaker 5: I guess I've never looked back. And from there I

512
00:24:01,680 --> 00:24:05,119
Speaker 5: was really lucky because I worked in a space that

513
00:24:05,280 --> 00:24:08,840
Speaker 5: was high net wealth. So I wasn't working in you

514
00:24:09,440 --> 00:24:12,400
Speaker 5: what people call mom and dad financial advice. And it's

515
00:24:12,400 --> 00:24:14,480
Speaker 5: not meant to be an offensive term at all, it's

516
00:24:14,560 --> 00:24:18,240
Speaker 5: just you know, everyday people. I wasn't working in that space.

517
00:24:18,280 --> 00:24:20,960
Speaker 5: It's actually the space I'm really passionate about. I ended

518
00:24:21,080 --> 00:24:23,960
Speaker 5: up in ultra high netwealth people. So that was people

519
00:24:24,000 --> 00:24:27,280
Speaker 5: who had a minimum of ten million dollars to invest

520
00:24:27,359 --> 00:24:30,520
Speaker 5: on the regular, so all of us know, yeah, so

521
00:24:30,560 --> 00:24:34,520
Speaker 5: all of us really relatable content Victoria. But that was

522
00:24:34,560 --> 00:24:36,520
Speaker 5: the space I was working in, and so I learned

523
00:24:36,560 --> 00:24:38,600
Speaker 5: a lot about investment really quickly.

524
00:24:38,720 --> 00:24:39,920
Speaker 3: I got really great.

525
00:24:39,720 --> 00:24:42,520
Speaker 5: Exposure to boards of people who would make decisions for

526
00:24:42,760 --> 00:24:46,439
Speaker 5: investment companies. I got to understand the private family office

527
00:24:46,520 --> 00:24:49,600
Speaker 5: space and what that meant and how to invest and

528
00:24:50,440 --> 00:24:53,640
Speaker 5: for me, then I wanted to do my own thing

529
00:24:53,800 --> 00:24:55,800
Speaker 5: because I just felt like that wasn't me, and I

530
00:24:55,840 --> 00:24:58,840
Speaker 5: started Zella, and the financial advisor that I worked with

531
00:24:58,920 --> 00:25:01,520
Speaker 5: became my business partner in that because financial advice and

532
00:25:01,600 --> 00:25:04,760
Speaker 5: becoming an advisor and having a practice is really expensive,

533
00:25:04,880 --> 00:25:07,160
Speaker 5: so you definitely need someone behind you to be able

534
00:25:07,160 --> 00:25:09,160
Speaker 5: to go out on your own. And I'm very grateful

535
00:25:09,160 --> 00:25:11,880
Speaker 5: for that opportunity that was afforded to me to do

536
00:25:11,920 --> 00:25:15,040
Speaker 5: that and establish this business. But the more I worked

537
00:25:15,040 --> 00:25:17,760
Speaker 5: with ultra high net wealth people, the more I realized

538
00:25:17,800 --> 00:25:20,560
Speaker 5: that I wasn't passionate about it, Like I didn't want

539
00:25:20,560 --> 00:25:23,520
Speaker 5: to make rich people richer. It didn't serve me, it

540
00:25:23,560 --> 00:25:26,560
Speaker 5: didn't have that level of impact that I wanted to have.

541
00:25:26,800 --> 00:25:29,479
Speaker 5: And so on the side of you know, building up

542
00:25:29,520 --> 00:25:33,400
Speaker 5: this business of clients that were pretty wealthy, I started

543
00:25:33,400 --> 00:25:37,120
Speaker 5: doing these workshops for women in law firms because that

544
00:25:37,160 --> 00:25:38,679
Speaker 5: was who I really wanted to talk to and I

545
00:25:38,680 --> 00:25:40,639
Speaker 5: felt like I could have a really big impact with

546
00:25:41,040 --> 00:25:43,160
Speaker 5: So I went to some pretty big law firms around

547
00:25:43,200 --> 00:25:45,400
Speaker 5: Melbourne and said, hey, got in contact with.

548
00:25:45,359 --> 00:25:46,520
Speaker 3: Their HR departments.

549
00:25:46,720 --> 00:25:49,760
Speaker 5: Thankfully, some of the clients were actually partners at these

550
00:25:49,840 --> 00:25:52,880
Speaker 5: law firms, so I had a pretty smooth in and said,

551
00:25:52,880 --> 00:25:54,800
Speaker 5: can I talk to your HR partner like I'd love

552
00:25:54,800 --> 00:25:57,320
Speaker 5: to have a chat with them. I've got this workshop idea.

553
00:25:57,400 --> 00:25:59,560
Speaker 5: So they let me come in and run these workshops

554
00:25:59,600 --> 00:26:04,080
Speaker 5: called She's on the Money. And I did that because

555
00:26:04,119 --> 00:26:07,120
Speaker 5: I genuinely felt like every other workshop I had run,

556
00:26:07,200 --> 00:26:09,360
Speaker 5: because that was something I often got asked to do

557
00:26:09,440 --> 00:26:12,120
Speaker 5: because I do love presenting and I do love teaching.

558
00:26:12,800 --> 00:26:14,920
Speaker 5: The women in the room never put their hands up

559
00:26:15,320 --> 00:26:17,520
Speaker 5: and they never wanted to in front of men say

560
00:26:17,560 --> 00:26:19,600
Speaker 5: oh I don't really understand super or why would I

561
00:26:19,640 --> 00:26:22,840
Speaker 5: make additional contributions or what's you know this insurance? Or

562
00:26:22,880 --> 00:26:26,359
Speaker 5: you know, how do I start investing? Because especially women

563
00:26:26,400 --> 00:26:29,679
Speaker 5: in law, and maybe you'll understand this, Sarah, it's not

564
00:26:29,880 --> 00:26:32,919
Speaker 5: a bad thing. You are smart women, but you just

565
00:26:33,000 --> 00:26:36,080
Speaker 5: don't want to seem silly in front of your male counterparts.

566
00:26:36,080 --> 00:26:39,199
Speaker 5: And men, especially in law, often like oh, yeah, I

567
00:26:39,280 --> 00:26:41,080
Speaker 5: inverst and I do this and I do that, and

568
00:26:41,160 --> 00:26:43,880
Speaker 5: you're like, oh, I don't want to have these conversations.

569
00:26:43,880 --> 00:26:47,040
Speaker 5: So I'd often find that after those sessions, women would

570
00:26:47,119 --> 00:26:50,080
Speaker 5: loiter back and ask me these questions they weren't comfortable

571
00:26:50,119 --> 00:26:53,800
Speaker 5: asking in front of other people, or they would email

572
00:26:53,840 --> 00:26:57,080
Speaker 5: me and ask these questions post the presentation. And so

573
00:26:57,200 --> 00:26:59,119
Speaker 5: I decided to do a female only one and I

574
00:26:59,200 --> 00:27:01,359
Speaker 5: called it She's on the Money. And so for a

575
00:27:01,359 --> 00:27:05,040
Speaker 5: few years I was doing these seminars and I loved them.

576
00:27:05,119 --> 00:27:07,520
Speaker 5: I didn't do them for any other reason. I wasn't

577
00:27:07,560 --> 00:27:12,240
Speaker 5: paid to do them, sadly, and I just adored it,

578
00:27:12,320 --> 00:27:15,000
Speaker 5: like I loved the connections that I was creating, and

579
00:27:15,000 --> 00:27:17,280
Speaker 5: the women that would say, Victoria, I didn't even know this,

580
00:27:17,440 --> 00:27:19,240
Speaker 5: like it's so easy, and you know, I'm going to

581
00:27:19,280 --> 00:27:21,240
Speaker 5: start investing or I'm going to do this or that

582
00:27:21,280 --> 00:27:23,879
Speaker 5: and it was just so beautiful that I wanted to

583
00:27:23,960 --> 00:27:27,479
Speaker 5: carry those conversations on outside of the workshop. So I

584
00:27:27,520 --> 00:27:32,040
Speaker 5: created a Facebook group, and that Facebook group is She's

585
00:27:32,080 --> 00:27:35,480
Speaker 5: on the Money, and I remember it's starting to grow

586
00:27:35,720 --> 00:27:37,520
Speaker 5: and people that I didn't know.

587
00:27:37,480 --> 00:27:39,080
Speaker 3: Were joining, and I was like, who are you. I

588
00:27:39,119 --> 00:27:41,480
Speaker 3: didn't invite you, Like, I don't know you. This is

589
00:27:41,560 --> 00:27:41,879
Speaker 3: all you.

590
00:27:42,800 --> 00:27:45,600
Speaker 5: And people would message me and say, oh, hey, Victoria,

591
00:27:45,680 --> 00:27:47,119
Speaker 5: I hope you don't mind. I went to one of

592
00:27:47,160 --> 00:27:50,199
Speaker 5: your workshops, but my sister didn't. But I think that

593
00:27:50,280 --> 00:27:52,000
Speaker 5: she'd love your Facebook group. Is it already if it

594
00:27:52,040 --> 00:27:53,879
Speaker 5: had her? And I'd be like, of course, like the

595
00:27:54,119 --> 00:27:56,720
Speaker 5: more the Maria. And so I thought, oh, there's all

596
00:27:56,720 --> 00:27:59,800
Speaker 5: these people that haven't been to my workshops and haven't understood,

597
00:27:59,840 --> 00:28:02,120
Speaker 5: you know, what I'm about. So I'm going to start

598
00:28:02,160 --> 00:28:04,400
Speaker 5: doing some structured content. So every week I would cover

599
00:28:04,440 --> 00:28:06,560
Speaker 5: a different topic and upload a little pdf for them

600
00:28:06,600 --> 00:28:08,800
Speaker 5: to do their own thing or you know, talk about

601
00:28:08,800 --> 00:28:13,080
Speaker 5: a specific topic or I did this pretty consistently for

602
00:28:13,119 --> 00:28:17,080
Speaker 5: about twelve weeks, and I was shook because I ended

603
00:28:17,160 --> 00:28:20,719
Speaker 5: up having seventeen hundred people in the Facebook group like

604
00:28:20,760 --> 00:28:23,280
Speaker 5: and at that time, I was like seventeen hundred people like,

605
00:28:23,640 --> 00:28:25,199
Speaker 5: what am I going to do with this? And I

606
00:28:25,280 --> 00:28:28,240
Speaker 5: asked them, literally, I was like, how do I do this?

607
00:28:28,359 --> 00:28:29,200
Speaker 5: And I asked them.

608
00:28:29,119 --> 00:28:32,800
Speaker 3: Who are you? All you come from? Like? Am I famous? Like?

609
00:28:35,119 --> 00:28:37,480
Speaker 5: It literally was overwhelming, and I said to them, what

610
00:28:37,560 --> 00:28:39,640
Speaker 5: do you want next? How can I help you learn more?

611
00:28:39,720 --> 00:28:44,040
Speaker 5: Because I'm genuinely just passionate about sharing this information. And

612
00:28:44,120 --> 00:28:46,440
Speaker 5: they said, can you create a YouTube channel? And I

613
00:28:46,480 --> 00:28:49,720
Speaker 5: was like, ah, no, not a chance, not a chance,

614
00:28:49,960 --> 00:28:52,680
Speaker 5: it's not happening. I'm not confident enough for that.

615
00:28:52,720 --> 00:28:55,760
Speaker 3: Say's the now famous TikTok person, But whatever.

616
00:28:55,520 --> 00:28:58,400
Speaker 5: Okay, So weird, right, so weird. Someone's gotten a little

617
00:28:58,520 --> 00:29:00,800
Speaker 5: confidence that they didn't have before. And I might have

618
00:29:00,880 --> 00:29:03,040
Speaker 5: a few tickets on myself now that I definitely didn't

619
00:29:03,040 --> 00:29:07,080
Speaker 5: have before. But that is okay, that is personal growth a.

620
00:29:07,240 --> 00:29:08,959
Speaker 3: So that's part of the GIT. That is seizing your

621
00:29:09,000 --> 00:29:12,040
Speaker 3: ya babe, that is getting rid of the NATA thank

622
00:29:12,080 --> 00:29:13,600
Speaker 3: you and it's so fun.

623
00:29:13,800 --> 00:29:15,800
Speaker 5: But I was really afraid of judgment and I was

624
00:29:15,840 --> 00:29:18,160
Speaker 5: really afraid of what people would think. And I felt

625
00:29:18,200 --> 00:29:22,560
Speaker 5: like in video I didn't have the flexibility to construct

626
00:29:22,560 --> 00:29:24,520
Speaker 5: the conversation in the same way that I could and

627
00:29:24,680 --> 00:29:26,520
Speaker 5: a Facebook post because you can prove freed it and

628
00:29:26,560 --> 00:29:28,200
Speaker 5: think about it and you know, make sure your stats

629
00:29:28,200 --> 00:29:31,000
Speaker 5: are right. And I was just really nervous, right, so

630
00:29:31,040 --> 00:29:32,800
Speaker 5: they wanted me to do a YouTube and I just

631
00:29:32,920 --> 00:29:35,480
Speaker 5: wasn't comfortable with it. And at the time, Michelle and

632
00:29:35,560 --> 00:29:38,160
Speaker 5: Zara from Shameless for people that I was having chatscoo

633
00:29:38,200 --> 00:29:39,760
Speaker 5: than friends of mine, and I said, how do I

634
00:29:39,800 --> 00:29:41,600
Speaker 5: do a podcast? Like would they would they take a

635
00:29:41,640 --> 00:29:44,120
Speaker 5: podcast anyway? And they saw the vision that I saw

636
00:29:44,440 --> 00:29:46,600
Speaker 5: for a podcast, and they helped me to bring to

637
00:29:46,680 --> 00:29:48,680
Speaker 5: life the first season of this She's on the Money

638
00:29:48,680 --> 00:29:52,280
Speaker 5: podcast with twelve episodes, and we originally thought it would

639
00:29:52,320 --> 00:29:54,960
Speaker 5: just be those twelve episodes, like you know, I jam

640
00:29:55,000 --> 00:29:57,680
Speaker 5: packed them full of value that I genuinely felt like

641
00:29:58,120 --> 00:30:00,680
Speaker 5: that was all we'd ever do, because who wants podcast

642
00:30:00,720 --> 00:30:04,320
Speaker 5: of money? Right? Like there weren't really any other podcasts

643
00:30:04,320 --> 00:30:06,960
Speaker 5: of money, especially for women, And I felt like, okay, cool,

644
00:30:07,000 --> 00:30:09,600
Speaker 5: Like if we put these twelve episodes out into the universe,

645
00:30:10,080 --> 00:30:12,600
Speaker 5: like they will help people, and because they're up on

646
00:30:12,600 --> 00:30:15,120
Speaker 5: a podcasting platform, people can come back to them time

647
00:30:15,200 --> 00:30:17,600
Speaker 5: and time again. They could re listen or you know,

648
00:30:17,680 --> 00:30:20,160
Speaker 5: be introduced like a year later and that will be enough.

649
00:30:20,200 --> 00:30:20,600
Speaker 3: Anyway.

650
00:30:21,400 --> 00:30:23,400
Speaker 5: It kind of and I say kind of blew up,

651
00:30:23,440 --> 00:30:25,200
Speaker 5: I don't mean kind of blew up. It genuinely did

652
00:30:25,240 --> 00:30:28,200
Speaker 5: blow up. And you know, we finished season one and

653
00:30:28,280 --> 00:30:31,720
Speaker 5: I decided that, you know, after quite a lot of

654
00:30:31,760 --> 00:30:34,080
Speaker 5: demand to bring it back, after a couple of months

655
00:30:34,120 --> 00:30:37,800
Speaker 5: of people going when's the next season? And I was loky, like, ah,

656
00:30:37,880 --> 00:30:40,760
Speaker 5: there wasn't ever one planned. So I had to work

657
00:30:40,760 --> 00:30:43,560
Speaker 5: out a way to actually get a second season and

658
00:30:43,760 --> 00:30:46,440
Speaker 5: start producing it. And Michelle and Zara was so busy,

659
00:30:46,520 --> 00:30:50,040
Speaker 5: and obviously they've got an incredibly successful podcast, so it

660
00:30:50,080 --> 00:30:53,520
Speaker 5: wasn't an option to continue it that way. And yeah,

661
00:30:53,560 --> 00:30:56,080
Speaker 5: we found a way, and now she's on the money.

662
00:30:56,080 --> 00:30:58,960
Speaker 5: From those seventeen hundred people that wanted a YouTube and

663
00:30:59,000 --> 00:31:01,480
Speaker 5: didn't get one, we've grown to more than one hundred

664
00:31:01,480 --> 00:31:05,440
Speaker 5: and seventy thousand people in that Facebook group and a

665
00:31:05,480 --> 00:31:08,520
Speaker 5: podcast that gets more than a million downloads every single month,

666
00:31:09,200 --> 00:31:12,480
Speaker 5: and I think we're number seven still in the country

667
00:31:12,600 --> 00:31:17,280
Speaker 5: for podcasts on the podcast Rancor and that's been since January,

668
00:31:16,760 --> 00:31:21,600
Speaker 5: which is crazy. And yeah, that's I guess, in a

669
00:31:21,720 --> 00:31:26,240
Speaker 5: very long way, my journey and how I've gone from

670
00:31:26,280 --> 00:31:30,040
Speaker 5: being someone who you know, really didn't have confidence and

671
00:31:30,120 --> 00:31:33,680
Speaker 5: really didn't you know, trust themselves or understand themselves or

672
00:31:33,760 --> 00:31:36,360
Speaker 5: know what I wanted to do all the way through

673
00:31:36,480 --> 00:31:39,320
Speaker 5: to a guess having this community, and I still don't

674
00:31:39,320 --> 00:31:41,239
Speaker 5: know what I'm doing. We're making it up as we

675
00:31:41,280 --> 00:31:43,960
Speaker 5: go and it's working well, and I'm grateful I have

676
00:31:44,000 --> 00:31:46,520
Speaker 5: a team behind me that she's on. The money team

677
00:31:47,200 --> 00:31:49,440
Speaker 5: is I think we've got seven of us now, and

678
00:31:49,760 --> 00:31:52,600
Speaker 5: you know, I've got a wealth business on the side, Zella.

679
00:31:52,760 --> 00:31:55,200
Speaker 5: I had a business partner and a year and a

680
00:31:55,200 --> 00:31:57,360
Speaker 5: half ago I bought him out. So now Zella is

681
00:31:57,360 --> 00:32:00,720
Speaker 5: one hundred percent mine and it's all me. And yeah,

682
00:32:00,760 --> 00:32:04,320
Speaker 5: it's it's crazy to think that from and I say

683
00:32:04,320 --> 00:32:06,680
Speaker 5: this quote all the time, but like from little things,

684
00:32:06,680 --> 00:32:07,920
Speaker 5: big things really do grow.

685
00:32:08,040 --> 00:32:10,840
Speaker 3: And yeah, I need to get that song on now.

686
00:32:11,560 --> 00:32:13,680
Speaker 3: Oh my gosh. Yes, but it's so true.

687
00:32:13,720 --> 00:32:15,840
Speaker 5: And you know, I look back on it and you know,

688
00:32:15,920 --> 00:32:18,280
Speaker 5: now you've heard that story, I feel like people go, oh,

689
00:32:18,280 --> 00:32:20,440
Speaker 5: that made so much sense, Like you can see how

690
00:32:20,480 --> 00:32:23,440
Speaker 5: the logical steps happened. But at that point in time,

691
00:32:23,520 --> 00:32:25,560
Speaker 5: like it did feel like a crisis. When I'd done

692
00:32:25,640 --> 00:32:28,480
Speaker 5: three years of study for psych and then realized I

693
00:32:28,520 --> 00:32:30,840
Speaker 5: didn't want to be a psychologist. And then, you know,

694
00:32:31,080 --> 00:32:33,120
Speaker 5: even when I was in this role that I didn't

695
00:32:33,200 --> 00:32:35,480
Speaker 5: like that. I just felt like I wasn't fitting into

696
00:32:35,640 --> 00:32:37,040
Speaker 5: Like I didn't know what I was going to do,

697
00:32:37,080 --> 00:32:39,160
Speaker 5: and I just wanted to take a leap, but didn't

698
00:32:39,200 --> 00:32:41,880
Speaker 5: know what was right, and it was scary and terrifying.

699
00:32:41,960 --> 00:32:44,800
Speaker 5: And I guess, you know, even starting She's on the

700
00:32:44,840 --> 00:32:48,120
Speaker 5: Money was hard and people think it's great now and

701
00:32:48,160 --> 00:32:50,880
Speaker 5: I absolutely adore everything about it and I always have,

702
00:32:51,640 --> 00:32:53,640
Speaker 5: but I remember I got a lot of criticism at

703
00:32:53,680 --> 00:32:55,680
Speaker 5: the start and people saying that it was lame, and

704
00:32:55,880 --> 00:32:57,760
Speaker 5: you know, no one wants to talk about money. And

705
00:32:57,800 --> 00:33:00,560
Speaker 5: I used to ask my girlfriends like, oh, hey, so

706
00:33:00,600 --> 00:33:02,959
Speaker 5: I just did this post in my Facebook group, can

707
00:33:03,000 --> 00:33:05,440
Speaker 5: you go like it? It's because no one's liked it yet,

708
00:33:05,520 --> 00:33:09,280
Speaker 5: and it's one of those things. Yeah, but it's true,

709
00:33:09,360 --> 00:33:11,880
Speaker 5: right like, and we all grow from places, and we're

710
00:33:11,920 --> 00:33:14,560
Speaker 5: all not confident in what we do at the beginning

711
00:33:14,640 --> 00:33:17,640
Speaker 5: until you know, we seek some kind of validation and

712
00:33:17,680 --> 00:33:21,400
Speaker 5: it's silly because we should be validating ourselves and know

713
00:33:21,880 --> 00:33:24,440
Speaker 5: that inherently if we're making the leave and we're making

714
00:33:24,440 --> 00:33:26,800
Speaker 5: this decision like there's a reason we're bringing it to

715
00:33:26,840 --> 00:33:29,600
Speaker 5: the table. And I think the second you try to

716
00:33:29,600 --> 00:33:33,120
Speaker 5: be everything to everybody, you really dilute the value that

717
00:33:33,200 --> 00:33:35,840
Speaker 5: you bring to the table, and you really do yourself

718
00:33:35,840 --> 00:33:38,800
Speaker 5: a disservice because you are so valuable and there are

719
00:33:38,840 --> 00:33:40,320
Speaker 5: people out there who are going.

720
00:33:40,240 --> 00:33:40,920
Speaker 3: To adore you.

721
00:33:41,840 --> 00:33:46,040
Speaker 5: The more you're adored, the more people that don't resonate

722
00:33:46,120 --> 00:33:48,920
Speaker 5: with your story and your journey. And it could just

723
00:33:48,960 --> 00:33:52,880
Speaker 5: be because it highlights to them a deficiency they have

724
00:33:53,000 --> 00:33:56,240
Speaker 5: selt makes them feel really uncomfortable. But I guarantee you

725
00:33:56,600 --> 00:34:00,000
Speaker 5: the people that aren't comfortable with you, they don't know you,

726
00:34:00,120 --> 00:34:02,680
Speaker 5: know anything about you, and it's never actually about you.

727
00:34:02,760 --> 00:34:05,200
Speaker 5: It's always about them, like it's a reflection of their

728
00:34:05,240 --> 00:34:08,160
Speaker 5: own feelings and their thought patterns, has nothing to do

729
00:34:08,280 --> 00:34:08,640
Speaker 5: with us.

730
00:34:08,680 --> 00:34:09,279
Speaker 3: And I think that.

731
00:34:09,719 --> 00:34:12,440
Speaker 5: When you can genuinely start seeing that and see that,

732
00:34:12,800 --> 00:34:15,760
Speaker 5: you know it's actually never about me, It's actually about

733
00:34:15,760 --> 00:34:18,359
Speaker 5: something that they're experiencing, and you know, maybe I could

734
00:34:18,400 --> 00:34:20,120
Speaker 5: help them through that, or maybe they're not.

735
00:34:20,080 --> 00:34:20,680
Speaker 3: Ready for that.

736
00:34:20,680 --> 00:34:24,160
Speaker 5: That's okay, but it really helps you understand that, you know,

737
00:34:24,719 --> 00:34:26,759
Speaker 5: the world is a good place and there are just

738
00:34:26,880 --> 00:34:29,360
Speaker 5: some eggs that make you feel a bit sad.

739
00:34:29,160 --> 00:34:33,080
Speaker 4: Sometimes, and also that any worthy journey where you're doing

740
00:34:33,120 --> 00:34:35,520
Speaker 4: something a bit different, Like I've spoken about it quite

741
00:34:35,520 --> 00:34:38,680
Speaker 4: a few times with people who have been the first

742
00:34:38,800 --> 00:34:41,600
Speaker 4: or among the first in an area or an industry

743
00:34:41,680 --> 00:34:44,319
Speaker 4: where they're doing something quite different. Is when you're the

744
00:34:44,320 --> 00:34:46,920
Speaker 4: first person to do something, it's going to draw a

745
00:34:46,920 --> 00:34:49,000
Speaker 4: lot of negativity at the beginning. It's going to feel

746
00:34:49,000 --> 00:34:52,839
Speaker 4: really uncomfortable. But nothing is cool until it is right,

747
00:34:53,160 --> 00:34:56,239
Speaker 4: like financially cool until you made it cool, Like now

748
00:34:56,239 --> 00:35:00,200
Speaker 4: it's so cool to be financially secure, like you've turn

749
00:35:00,320 --> 00:35:02,560
Speaker 4: that into something that people want to be associated with

750
00:35:02,600 --> 00:35:06,880
Speaker 4: financial savvy and financial literacy, Like it's not cool to

751
00:35:06,920 --> 00:35:08,760
Speaker 4: not know your books, it's not cool to be winging

752
00:35:08,760 --> 00:35:13,200
Speaker 4: it in and struggling and not having support and resources.

753
00:35:13,239 --> 00:35:17,000
Speaker 4: But it's really uncool until someone makes it that way.

754
00:35:17,000 --> 00:35:18,920
Speaker 4: And you just happen to be the person that's forged

755
00:35:18,920 --> 00:35:22,799
Speaker 4: a really unique path, facing all these obstacles to get

756
00:35:22,840 --> 00:35:24,680
Speaker 4: through to now take it to where it is. And

757
00:35:25,320 --> 00:35:27,200
Speaker 4: I love that because the quote I always say is

758
00:35:27,239 --> 00:35:29,759
Speaker 4: someone out there is looking for exactly what you have,

759
00:35:30,520 --> 00:35:33,280
Speaker 4: but people think that you found all those people overnight.

760
00:35:33,960 --> 00:35:37,840
Speaker 4: But this chat reminded me that actually, like you know,

761
00:35:37,880 --> 00:35:40,479
Speaker 4: even the way that people sometimes refer to a jump

762
00:35:40,480 --> 00:35:43,000
Speaker 4: from one industry to another as a leap, I think

763
00:35:43,040 --> 00:35:45,920
Speaker 4: that detracts from the fact that it isn't one big

764
00:35:46,000 --> 00:35:47,880
Speaker 4: jump that happens overnight. You didn't just go, I'm going

765
00:35:47,920 --> 00:35:50,239
Speaker 4: to from like a shit time and one job to

766
00:35:50,320 --> 00:35:52,800
Speaker 4: a really great time the where I'm really popular in another.

767
00:35:53,400 --> 00:35:55,920
Speaker 5: No one gets to do that, and it's entitled to

768
00:35:56,000 --> 00:35:59,719
Speaker 5: think that too, because there's so many factors in the background, right.

769
00:36:00,480 --> 00:36:02,520
Speaker 5: I had to work out whether I could afford to

770
00:36:02,560 --> 00:36:05,000
Speaker 5: do that, and fortunately, at that point in time, I

771
00:36:05,120 --> 00:36:07,880
Speaker 5: was young, I had housemates, I didn't have any commitments,

772
00:36:07,920 --> 00:36:11,040
Speaker 5: I didn't have any responsibilities, so I could move and

773
00:36:11,080 --> 00:36:13,600
Speaker 5: I could take a job that you know, didn't pay

774
00:36:13,640 --> 00:36:16,719
Speaker 5: as much. But I kind of saw it as an opportunity,

775
00:36:16,760 --> 00:36:18,319
Speaker 5: and to be honest, at that point in time, it

776
00:36:18,360 --> 00:36:19,080
Speaker 5: wasn't about pay.

777
00:36:19,120 --> 00:36:20,360
Speaker 3: I was just miserable and was.

778
00:36:20,360 --> 00:36:22,920
Speaker 5: Like, oh, I'll do that, thank you, Like that'll be

779
00:36:22,960 --> 00:36:25,040
Speaker 5: more than enough money for me to pay rent and

780
00:36:25,120 --> 00:36:28,520
Speaker 5: still go out and buy bottles of prosecco with my girlfriends,

781
00:36:28,560 --> 00:36:31,920
Speaker 5: to hang out at Precinct on the weekend. Like I

782
00:36:32,000 --> 00:36:36,520
Speaker 5: definitely like, wasn't the type of person that was like, okay, cool,

783
00:36:36,560 --> 00:36:38,399
Speaker 5: like this is going to be my career. Like I'm

784
00:36:38,560 --> 00:36:41,920
Speaker 5: very study driven. That's what I love and what I adore.

785
00:36:41,960 --> 00:36:44,040
Speaker 5: But I think that people think I'm just this person

786
00:36:44,080 --> 00:36:46,600
Speaker 5: that sits at home and reads and you know, it

787
00:36:46,800 --> 00:36:49,400
Speaker 5: doesn't engage. And while I'm not that person anymore and

788
00:36:49,480 --> 00:36:52,120
Speaker 5: I don't go to Precinct on the weekends, I'm sorry,

789
00:36:52,680 --> 00:36:56,640
Speaker 5: I just yeah, sorry, I don't even drink that much.

790
00:36:56,880 --> 00:36:57,960
Speaker 3: I'm so borring.

791
00:36:58,320 --> 00:37:01,880
Speaker 5: But past me obviously would be very proud of what

792
00:37:01,920 --> 00:37:04,919
Speaker 5: I've achieved. She found out that I got excited over

793
00:37:04,920 --> 00:37:09,280
Speaker 5: the fact that I got a new dishwasher yesterday, like oh, oh, it's.

794
00:37:09,200 --> 00:37:12,879
Speaker 3: Her dream, Oh it happened. And why before your time?

795
00:37:12,960 --> 00:37:16,360
Speaker 3: It not even in your thirties yet, Like yes, I literally.

796
00:37:16,000 --> 00:37:19,919
Speaker 5: Have like twenty days left of my thirties and this

797
00:37:19,960 --> 00:37:23,439
Speaker 5: is how I'm spending Victoria.

798
00:37:23,480 --> 00:37:26,000
Speaker 4: But I love that so much because it really is

799
00:37:26,040 --> 00:37:28,480
Speaker 4: like I was struggling a lot. You know how much

800
00:37:28,480 --> 00:37:31,680
Speaker 4: research I do before these episodes, and I've really wanted

801
00:37:31,719 --> 00:37:34,480
Speaker 4: to use a big part of the episode. You are

802
00:37:34,600 --> 00:37:38,080
Speaker 4: just such a fountain of practical knowledge that has really

803
00:37:38,120 --> 00:37:42,160
Speaker 4: made some really unsexy and sometimes stigmatized. Like, you know,

804
00:37:42,239 --> 00:37:44,359
Speaker 4: a lot of people grew up in a time where

805
00:37:44,400 --> 00:37:46,440
Speaker 4: you didn't talk about money, religion, and politics, Like there

806
00:37:46,440 --> 00:37:49,520
Speaker 4: is a lot of stigma around financial conversations, but it

807
00:37:49,560 --> 00:37:51,040
Speaker 4: does hold us back in a lot of ways, and

808
00:37:51,080 --> 00:37:53,880
Speaker 4: as you mentioned in the workplace, like it's very difficult

809
00:37:53,960 --> 00:37:56,280
Speaker 4: to have these conversations if you don't have a support network.

810
00:37:56,719 --> 00:37:58,400
Speaker 3: But I love that.

811
00:37:58,719 --> 00:38:05,920
Speaker 4: You've not just made a very difficult, intimidating, complicated, multifaceted area,

812
00:38:06,160 --> 00:38:09,600
Speaker 4: very approachable and non judgmental as well, Like your book,

813
00:38:09,640 --> 00:38:11,840
Speaker 4: your podcast, everything comes from such a place of it

814
00:38:11,920 --> 00:38:14,280
Speaker 4: doesn't matter where you are. There's no bad, there's no wrong,

815
00:38:14,800 --> 00:38:17,440
Speaker 4: it's just how can we improve you from here. I

816
00:38:17,480 --> 00:38:19,400
Speaker 4: wanted to spend so much of the episode on the

817
00:38:19,440 --> 00:38:20,600
Speaker 4: practical tips that you had.

818
00:38:20,680 --> 00:38:22,920
Speaker 5: I feel like that's exactly what we've done. So I

819
00:38:22,960 --> 00:38:27,040
Speaker 5: do apologize, but I genuinely agree with you there, and

820
00:38:27,120 --> 00:38:29,879
Speaker 5: I think that that's something that is really special about

821
00:38:29,960 --> 00:38:32,839
Speaker 5: She's on the money right, Like it actually came from

822
00:38:32,840 --> 00:38:35,240
Speaker 5: a place of love, and I think that that's why

823
00:38:35,320 --> 00:38:37,960
Speaker 5: it has a different vibe and it has this community

824
00:38:38,000 --> 00:38:40,640
Speaker 5: behind it, and it's not you know, obviously now it

825
00:38:40,719 --> 00:38:42,960
Speaker 5: is a business, and I'm so grateful that it is

826
00:38:43,000 --> 00:38:45,560
Speaker 5: because I can employ some really beautiful people to help

827
00:38:45,600 --> 00:38:47,640
Speaker 5: me educate even more people.

828
00:38:48,280 --> 00:38:50,160
Speaker 3: But for me, the.

829
00:38:50,120 --> 00:38:52,320
Speaker 5: Idea of She's on the Money came from this place

830
00:38:52,360 --> 00:38:54,680
Speaker 5: of love and from giving. And it was never something

831
00:38:54,680 --> 00:38:57,200
Speaker 5: about making money because I had a business, I had

832
00:38:57,239 --> 00:38:59,520
Speaker 5: something else on the side, And you know, I never

833
00:38:59,560 --> 00:39:01,719
Speaker 5: thought in my wildest dreams that this is where we

834
00:39:01,719 --> 00:39:04,640
Speaker 5: would be. And I guess that's what we always as

835
00:39:04,640 --> 00:39:07,319
Speaker 5: a team come back to as well, is like, are

836
00:39:07,360 --> 00:39:10,000
Speaker 5: we serving our community? Are we putting them in the

837
00:39:10,040 --> 00:39:12,959
Speaker 5: best possible position. Are we giving them every single tool

838
00:39:13,000 --> 00:39:17,200
Speaker 5: and resource they need to be savvy and financially literate

839
00:39:17,320 --> 00:39:20,719
Speaker 5: and you know, educated and empowered. And I guess that

840
00:39:20,800 --> 00:39:23,879
Speaker 5: comes from me, you know, if we distill it down,

841
00:39:24,040 --> 00:39:27,600
Speaker 5: having experienced this ultra high net wealth world where they

842
00:39:27,640 --> 00:39:29,920
Speaker 5: can afford all the advice in the world, and I

843
00:39:30,080 --> 00:39:34,640
Speaker 5: just saw such an unfair advantage that they could access

844
00:39:34,680 --> 00:39:38,160
Speaker 5: awesome advice and my friends couldn't. And I guess that's

845
00:39:38,160 --> 00:39:40,680
Speaker 5: where She's on the Money came from. And I guess,

846
00:39:41,320 --> 00:39:44,520
Speaker 5: and I hope that it'll always feel that way to people.

847
00:39:44,760 --> 00:39:46,480
Speaker 3: And you know, you're a.

848
00:39:46,480 --> 00:39:48,880
Speaker 5: Quote person, and I love that about you. It makes

849
00:39:48,880 --> 00:39:52,000
Speaker 5: me so happy. But a quote that's really helped me,

850
00:39:52,239 --> 00:39:55,200
Speaker 5: especially along this journey, because people aren't your greatest fans,

851
00:39:55,719 --> 00:39:58,359
Speaker 5: Like some people just really don't like what I do,

852
00:39:58,400 --> 00:40:01,680
Speaker 5: because you're right, it's money, religion, and politics, and if

853
00:40:01,719 --> 00:40:04,320
Speaker 5: you talk about those you make a lot of people uncomfortable.

854
00:40:04,719 --> 00:40:08,160
Speaker 5: But the quote is, you'll never be criticized by someone

855
00:40:08,160 --> 00:40:10,399
Speaker 5: who is doing more than you. You will only ever

856
00:40:10,440 --> 00:40:13,160
Speaker 5: be criticized by someone who is doing less. And that

857
00:40:13,360 --> 00:40:17,040
Speaker 5: brings me a lot of joy because I just know

858
00:40:17,200 --> 00:40:20,640
Speaker 5: that if ever someone says something that you know doesn't resonate,

859
00:40:20,680 --> 00:40:23,320
Speaker 5: and I'm all about feedback, right like if you tell me, like, hey, Victoria,

860
00:40:23,440 --> 00:40:25,480
Speaker 5: just don't think that landed well enough, or you didn't

861
00:40:25,480 --> 00:40:28,040
Speaker 5: do you know enough here, And you know, people slide

862
00:40:28,040 --> 00:40:30,000
Speaker 5: into our dms all the time and give us different

863
00:40:30,000 --> 00:40:32,719
Speaker 5: perspectives and I'm so grateful for that. I never want

864
00:40:32,719 --> 00:40:35,600
Speaker 5: that to stop. But sometimes, as you would know, Sarah,

865
00:40:35,680 --> 00:40:39,600
Speaker 5: in a place of I guess the social media world,

866
00:40:39,640 --> 00:40:41,760
Speaker 5: like people are just mean and they are just rude.

867
00:40:42,080 --> 00:40:46,279
Speaker 3: And that quote really helps me in that space. I

868
00:40:46,360 --> 00:40:47,520
Speaker 3: love it so much.

869
00:40:47,560 --> 00:40:50,200
Speaker 4: I haven't heard that one, and it's I think one

870
00:40:50,200 --> 00:40:53,319
Speaker 4: of my new favorites because it's so true what I

871
00:40:53,320 --> 00:40:56,120
Speaker 4: was saying before though about the fact that I really

872
00:40:56,200 --> 00:40:58,000
Speaker 4: wanted to use a lot of this episode for you know,

873
00:40:58,120 --> 00:41:01,440
Speaker 4: a lot of the practical tips. But because the book

874
00:41:01,719 --> 00:41:06,760
Speaker 4: is the most comprehensive, covers literally everything from saving super

875
00:41:06,880 --> 00:41:11,000
Speaker 4: home bowns, investment children, like estate planning. It is the

876
00:41:11,120 --> 00:41:17,839
Speaker 4: most comprehensive, like approachable, really just beautifully worded in such

877
00:41:17,840 --> 00:41:21,440
Speaker 4: a really demystifies quite intimidating areas because people can get

878
00:41:21,480 --> 00:41:23,719
Speaker 4: it in the book. I'm so glad that we spent

879
00:41:23,800 --> 00:41:24,759
Speaker 4: more of the time on the.

880
00:41:24,760 --> 00:41:26,440
Speaker 3: Story because, oh thank you.

881
00:41:26,600 --> 00:41:29,239
Speaker 4: It doesn't get as much airtime, right like people come

882
00:41:29,280 --> 00:41:30,839
Speaker 4: straight to you in interviews.

883
00:41:31,200 --> 00:41:33,680
Speaker 5: No, and it's not something I share either. It's not

884
00:41:33,800 --> 00:41:35,880
Speaker 5: because she's on the money isn't me. It is not

885
00:41:35,960 --> 00:41:38,279
Speaker 5: about me. It is about the people in my community.

886
00:41:38,560 --> 00:41:41,919
Speaker 5: And I've really shied away in the book actually from

887
00:41:41,960 --> 00:41:45,040
Speaker 5: talking about my personal experience because that doesn't help you.

888
00:41:45,480 --> 00:41:47,760
Speaker 5: I wanted to fill it full of value and things

889
00:41:47,800 --> 00:41:51,080
Speaker 5: that could actually help you and money stories from my

890
00:41:51,120 --> 00:41:54,359
Speaker 5: community that I thought were really interesting or inspiring or

891
00:41:54,520 --> 00:41:57,040
Speaker 5: just relatable, because I didn't want to give you a

892
00:41:57,080 --> 00:42:01,080
Speaker 5: whole chapter on saving and then not have relatable examples

893
00:42:01,120 --> 00:42:03,000
Speaker 5: of people who have done it to inspire you to

894
00:42:03,040 --> 00:42:06,319
Speaker 5: take the next steps. And you know, my publishers were

895
00:42:06,360 --> 00:42:09,920
Speaker 5: really frustrated with me because when I started writing, they said, Hey,

896
00:42:09,960 --> 00:42:12,239
Speaker 5: here's the word count that we're aiming towards, and how

897
00:42:12,239 --> 00:42:14,560
Speaker 5: many chapters have you got that you think you'll write on.

898
00:42:14,680 --> 00:42:16,759
Speaker 5: And you know, you've written a book, so you would

899
00:42:16,760 --> 00:42:18,680
Speaker 5: know that. You give them the skeleton and the outline

900
00:42:18,719 --> 00:42:20,000
Speaker 5: of the book and you go, yep, this is what

901
00:42:20,040 --> 00:42:21,799
Speaker 5: I think I'll write. And I started writing, and then

902
00:42:21,840 --> 00:42:24,160
Speaker 5: i'd call them and be like, hey, I just I

903
00:42:24,200 --> 00:42:26,279
Speaker 5: want to do another chapter, is he I just I

904
00:42:26,320 --> 00:42:27,920
Speaker 5: think that this is going to be really good And

905
00:42:27,960 --> 00:42:29,879
Speaker 5: then she would be like, yeah, no problems. And then

906
00:42:30,120 --> 00:42:33,200
Speaker 5: I had this chapter that included saving, and so I

907
00:42:33,200 --> 00:42:35,399
Speaker 5: started writing that and then I called her. I was like, ah, yeah,

908
00:42:35,400 --> 00:42:37,400
Speaker 5: so I wanted saving to be up it's own chapter

909
00:42:37,480 --> 00:42:39,760
Speaker 5: and I want to call it this and she'd be like, Okay,

910
00:42:39,760 --> 00:42:41,719
Speaker 5: no problems. So now we're up to like twenty two chapters.

911
00:42:41,760 --> 00:42:42,360
Speaker 3: What are we going to do?

912
00:42:42,400 --> 00:42:44,760
Speaker 5: Next, and I was like, okay, so also in addition

913
00:42:44,840 --> 00:42:46,640
Speaker 5: to this and we have a plan, and she'd just

914
00:42:46,680 --> 00:42:48,080
Speaker 5: be like, this is not the book we are going

915
00:42:48,120 --> 00:42:49,680
Speaker 5: to but okay, no problems.

916
00:42:49,760 --> 00:42:51,000
Speaker 3: And it's one of.

917
00:42:50,960 --> 00:42:53,760
Speaker 5: Those things that it really evolved over time, and it really,

918
00:42:53,920 --> 00:42:56,160
Speaker 5: you know, grew, and I knew I wanted money stories

919
00:42:56,200 --> 00:42:57,520
Speaker 5: to be a part of it, but I thought i'd

920
00:42:57,560 --> 00:43:00,439
Speaker 5: have a couple, right, but every single chapter like one

921
00:43:00,520 --> 00:43:03,120
Speaker 5: or two because I just couldn't stop, Like I just

922
00:43:03,800 --> 00:43:05,560
Speaker 5: the second I was there, I was like, oh, this

923
00:43:05,640 --> 00:43:06,600
Speaker 5: feels empty.

924
00:43:06,320 --> 00:43:09,160
Speaker 3: Without another story in it. And yeah, I just.

925
00:43:09,120 --> 00:43:11,440
Speaker 5: Feel like I'm so grateful to have been able to

926
00:43:11,440 --> 00:43:13,480
Speaker 5: bring to life exactly what I wanted. She's on the

927
00:43:13,480 --> 00:43:16,719
Speaker 5: money the book to be, but also that you know,

928
00:43:17,280 --> 00:43:20,279
Speaker 5: it's to me a gift, like it is like not

929
00:43:20,640 --> 00:43:22,880
Speaker 5: you know, buy for other people gift, but more just

930
00:43:22,920 --> 00:43:26,400
Speaker 5: like a gift of financial literacy, Like hopefully it encompasses

931
00:43:26,440 --> 00:43:31,120
Speaker 5: absolutely everything that young women need to feel financially secure

932
00:43:31,160 --> 00:43:33,839
Speaker 5: and know they're on the right path. I'm very acutely

933
00:43:33,880 --> 00:43:37,359
Speaker 5: aware that it's not the only financial book you'll ever need,

934
00:43:37,520 --> 00:43:39,839
Speaker 5: because I want you to learn more and absorb more,

935
00:43:39,880 --> 00:43:42,120
Speaker 5: and I'm never going to pretend to be absolutely everything

936
00:43:42,160 --> 00:43:45,280
Speaker 5: to everybody, But I hope that it is the right

937
00:43:45,680 --> 00:43:46,560
Speaker 5: start for people.

938
00:43:46,640 --> 00:43:48,040
Speaker 3: It is the right step.

939
00:43:47,719 --> 00:43:49,839
Speaker 5: In the right direction to give you the confidence that

940
00:43:49,880 --> 00:43:53,719
Speaker 5: you genuinely deserve to be financially successful. And you know,

941
00:43:53,880 --> 00:43:56,840
Speaker 5: I touch on everything, but it's not like this is

942
00:43:56,880 --> 00:44:00,000
Speaker 5: your guide to ultimate investing. But it will teach you

943
00:44:00,120 --> 00:44:02,680
Speaker 5: what you need to take into consideration and the next

944
00:44:02,680 --> 00:44:05,080
Speaker 5: steps and where to start, and how to understand your

945
00:44:05,200 --> 00:44:08,520
Speaker 5: risk profile. And you know, well, Sarah, how should you invest?

946
00:44:08,680 --> 00:44:10,720
Speaker 5: I don't tell you what to invest in, though, because

947
00:44:10,719 --> 00:44:13,120
Speaker 5: that's not my position. That's not my job. Only you

948
00:44:13,160 --> 00:44:15,600
Speaker 5: can decide that. So I think that it is one

949
00:44:15,640 --> 00:44:18,200
Speaker 5: of those things where you know, people are like, oh,

950
00:44:18,320 --> 00:44:20,359
Speaker 5: is this the be all end or finance book?

951
00:44:20,400 --> 00:44:21,319
Speaker 3: And I'm like, of.

952
00:44:21,239 --> 00:44:23,880
Speaker 5: Course not, Like I want people to read more and

953
00:44:24,440 --> 00:44:27,480
Speaker 5: educate themselves and have lots of different opinions, and you know,

954
00:44:27,600 --> 00:44:29,800
Speaker 5: even take what I say with a grain of salt,

955
00:44:29,840 --> 00:44:32,440
Speaker 5: because you should be, you know, always cautious. Like we're

956
00:44:32,480 --> 00:44:36,280
Speaker 5: talking about finance here, that's really personal. So I can't

957
00:44:36,320 --> 00:44:39,240
Speaker 5: be everything to everybody, but I hope that this book

958
00:44:39,320 --> 00:44:41,800
Speaker 5: can be everything you need to know to start.

959
00:44:42,440 --> 00:44:43,600
Speaker 3: I think it absolutely is.

960
00:44:43,640 --> 00:44:45,920
Speaker 4: It's such a comprehensive framework, and I love that it

961
00:44:45,960 --> 00:44:50,440
Speaker 4: does give it an overlay of really every area at

962
00:44:50,480 --> 00:44:52,200
Speaker 4: all different stages of your life that you would need

963
00:44:52,280 --> 00:44:55,080
Speaker 4: to think about and enough understanding to then know where

964
00:44:55,080 --> 00:44:56,560
Speaker 4: you would want to look if you did need to

965
00:44:56,600 --> 00:44:58,960
Speaker 4: go further into something. Yeah, what you said before is

966
00:44:59,000 --> 00:45:01,040
Speaker 4: really interesting that you're like, didn't include a lot of

967
00:45:01,200 --> 00:45:03,960
Speaker 4: the backstory we've discussed today because it's not helpful or

968
00:45:04,040 --> 00:45:06,280
Speaker 4: as I've spent most of my time on that. Because

969
00:45:06,320 --> 00:45:09,839
Speaker 4: you can get your actual financial knowledge and advice, which

970
00:45:09,880 --> 00:45:13,840
Speaker 4: is immeasurably important and invaluable. You can get that in

971
00:45:13,840 --> 00:45:15,279
Speaker 4: the book, and I think everyone should go and buy

972
00:45:15,320 --> 00:45:18,319
Speaker 4: the book and in the show notes. But I think

973
00:45:18,360 --> 00:45:21,439
Speaker 4: it is helpful to have heard your personal story as well,

974
00:45:21,520 --> 00:45:23,520
Speaker 4: because people will pick up this book now with some

975
00:45:23,560 --> 00:45:26,279
Speaker 4: context and know that you didn't wake up like this.

976
00:45:26,440 --> 00:45:29,440
Speaker 4: That She's on the money has definitely not been an

977
00:45:29,440 --> 00:45:32,200
Speaker 4: overnight success. It started as a Facebook group, and that's

978
00:45:32,200 --> 00:45:34,879
Speaker 4: a thing with anyone who has big dreams and big

979
00:45:34,960 --> 00:45:36,799
Speaker 4: visions and who does put you on a pedestal as

980
00:45:36,840 --> 00:45:43,839
Speaker 4: this incredibly high achieving, intelligent, warm author now honestly podcaster

981
00:45:44,560 --> 00:45:48,080
Speaker 4: Forbes thirty under thirty that you also started small. You

982
00:45:48,160 --> 00:45:51,080
Speaker 4: started not knowing where she's on the money would go.

983
00:45:51,239 --> 00:45:54,560
Speaker 4: You started through a Facebook group, a podcast with what

984
00:45:54,719 --> 00:45:57,000
Speaker 4: just one season, a podcast with two seasons. Like before

985
00:45:57,040 --> 00:46:00,040
Speaker 4: the book, there have been so many chapters before this

986
00:46:00,120 --> 00:46:02,520
Speaker 4: one to get here, And I love that you've taken

987
00:46:02,600 --> 00:46:05,560
Speaker 4: us through the fact that it's never too late. Really,

988
00:46:06,000 --> 00:46:08,040
Speaker 4: you can have had so many careers before you stumble

989
00:46:08,120 --> 00:46:10,279
Speaker 4: upon the thing that clearly you are now this was

990
00:46:10,280 --> 00:46:11,759
Speaker 4: your God given purpose on this air.

991
00:46:11,800 --> 00:46:14,840
Speaker 5: Oh absolutely, and I'm really grateful for that. And you

992
00:46:14,880 --> 00:46:18,080
Speaker 5: know it's not something that you think about, right you

993
00:46:18,160 --> 00:46:20,600
Speaker 5: see it now when you go, wow, it's so polished

994
00:46:20,600 --> 00:46:21,560
Speaker 5: and so professional.

995
00:46:21,640 --> 00:46:22,560
Speaker 3: Bit Sarah.

996
00:46:22,680 --> 00:46:25,560
Speaker 5: The first logo I made for my Facebook group, I

997
00:46:25,560 --> 00:46:28,040
Speaker 5: didn't know how to use Photoshop or any kind of

998
00:46:28,239 --> 00:46:31,200
Speaker 5: editing tools to create logos, and IM sure as hell

999
00:46:31,320 --> 00:46:33,600
Speaker 5: didn't have any money to pay for one. So I

1000
00:46:33,719 --> 00:46:36,799
Speaker 5: made it on power Point with a free font that

1001
00:46:36,840 --> 00:46:39,120
Speaker 5: I downloaded from the internet, and I made a hot

1002
00:46:39,200 --> 00:46:41,799
Speaker 5: pink because what is better than hot pink? And then

1003
00:46:41,800 --> 00:46:44,040
Speaker 5: I screenshot it and that became our logo. And I

1004
00:46:44,160 --> 00:46:47,080
Speaker 5: just think that you know, if you want to do something.

1005
00:46:47,400 --> 00:46:50,719
Speaker 5: It doesn't matter what it's going to not cost, like,

1006
00:46:50,800 --> 00:46:54,120
Speaker 5: it just matters that you start and that you know,

1007
00:46:54,600 --> 00:46:57,759
Speaker 5: the Polish logo can come later. But find your community,

1008
00:46:57,920 --> 00:47:00,279
Speaker 5: find the people that you can love, and love them

1009
00:47:00,280 --> 00:47:03,840
Speaker 5: hard because they will help you grow. And now you know,

1010
00:47:03,960 --> 00:47:05,960
Speaker 5: I'm so grateful that, you know, I did get to

1011
00:47:06,200 --> 00:47:08,600
Speaker 5: work with a designer at one point to bring together

1012
00:47:09,000 --> 00:47:11,520
Speaker 5: our website and our logos and stuff, and they are

1013
00:47:11,560 --> 00:47:14,479
Speaker 5: so much better than they used to be. But I'm

1014
00:47:14,520 --> 00:47:17,239
Speaker 5: not embarrassed of the journey. I'm not embarrassed of what

1015
00:47:17,320 --> 00:47:19,520
Speaker 5: they used to be. And I think that, you know,

1016
00:47:20,000 --> 00:47:22,200
Speaker 5: there's this saying, and I'm not going to get this right,

1017
00:47:22,280 --> 00:47:24,239
Speaker 5: but they say that if you're not embarrassed of the

1018
00:47:24,280 --> 00:47:26,760
Speaker 5: first thing you put to market, like oh you didn't

1019
00:47:26,800 --> 00:47:29,360
Speaker 5: start soon enough or something along those lines, and I

1020
00:47:29,440 --> 00:47:29,960
Speaker 5: just look at it.

1021
00:47:30,000 --> 00:47:31,919
Speaker 4: I always say that if you don't cringe, you're doing

1022
00:47:31,920 --> 00:47:33,080
Speaker 4: it wrong, like it's meant to.

1023
00:47:34,400 --> 00:47:36,480
Speaker 5: I get that, and you know what, my logo is

1024
00:47:36,520 --> 00:47:40,399
Speaker 5: real cringey and like awful, But I wouldn't say ever

1025
00:47:40,480 --> 00:47:43,080
Speaker 5: that I'm embarrassed of it, because that's part of my journey.

1026
00:47:43,120 --> 00:47:46,439
Speaker 5: And like that girl that just wanted a Facebook group

1027
00:47:46,480 --> 00:47:48,279
Speaker 5: to talk to her friends and these people, you know,

1028
00:47:48,360 --> 00:47:51,360
Speaker 5: workshops about money. Like she did those things for the

1029
00:47:51,440 --> 00:47:54,359
Speaker 5: right reason, and she's created this, and like we need

1030
00:47:54,400 --> 00:47:56,520
Speaker 5: to be respectful of the journey as well. And that's

1031
00:47:56,560 --> 00:48:00,239
Speaker 5: something I say about finance all the time, is you're

1032
00:48:00,320 --> 00:48:03,280
Speaker 5: often too hard on ourselves for our past spending habits.

1033
00:48:03,280 --> 00:48:05,560
Speaker 5: We are often too hard on ourselves for what we've

1034
00:48:05,600 --> 00:48:08,319
Speaker 5: been through because you know, you might pick up this

1035
00:48:08,360 --> 00:48:10,560
Speaker 5: book and go, okay, great, and thankfully I do cover

1036
00:48:10,600 --> 00:48:13,040
Speaker 5: this in the book, so hopefully nobody experiences this.

1037
00:48:13,200 --> 00:48:15,680
Speaker 3: But you pick up a finance book.

1038
00:48:15,520 --> 00:48:17,439
Speaker 5: And go, oh my gosh, I've been doing it so wrong.

1039
00:48:17,480 --> 00:48:19,400
Speaker 5: I feel so bad, I've wasted so much money, or

1040
00:48:19,440 --> 00:48:21,719
Speaker 5: I'm in so much debt, or I can't believe I

1041
00:48:21,760 --> 00:48:24,000
Speaker 5: did that. I'm so silly, I'm so stupid. And it's

1042
00:48:24,080 --> 00:48:26,920
Speaker 5: just not how we should be treating ourselves. Like past

1043
00:48:27,000 --> 00:48:29,480
Speaker 5: you did absolutely everything they could with the tools and

1044
00:48:29,520 --> 00:48:32,359
Speaker 5: resources they had at the time. Just because you have

1045
00:48:32,560 --> 00:48:35,960
Speaker 5: new tools and new resources and your new vision doesn't

1046
00:48:35,960 --> 00:48:37,520
Speaker 5: mean that you did the wrong thing at the time

1047
00:48:37,560 --> 00:48:40,600
Speaker 5: for you. And that person has created today's person. So

1048
00:48:40,640 --> 00:48:42,920
Speaker 5: I think we need to genuinely honor them and care

1049
00:48:43,000 --> 00:48:46,719
Speaker 5: for them and really put them first, because if we

1050
00:48:46,760 --> 00:48:49,080
Speaker 5: look backwards, it doesn't serve us in any way, shape

1051
00:48:49,160 --> 00:48:51,200
Speaker 5: or form. So I think that the guilt that we

1052
00:48:51,320 --> 00:48:54,000
Speaker 5: feel over, you know, the debt we're in, it's just

1053
00:48:54,080 --> 00:48:57,080
Speaker 5: unnecessary and it doesn't serve us. There's no guilt, there's

1054
00:48:57,080 --> 00:48:59,359
Speaker 5: no shame, there's nothing in it. It just is part

1055
00:48:59,360 --> 00:49:02,520
Speaker 5: of your money story. And that's pretty cool because it

1056
00:49:02,520 --> 00:49:04,799
Speaker 5: doesn't have to remain your money story. You get to

1057
00:49:04,880 --> 00:49:06,400
Speaker 5: change that, and that's awesome.

1058
00:49:15,400 --> 00:49:18,120
Speaker 4: I actually applied so much of that and those chapters

1059
00:49:18,120 --> 00:49:21,360
Speaker 4: about your money story and neuroplasticity and rewiring the beliefs

1060
00:49:21,400 --> 00:49:25,600
Speaker 4: and approach you have to your financial health and freedom

1061
00:49:26,160 --> 00:49:27,960
Speaker 4: and how you can at any time of your life

1062
00:49:28,040 --> 00:49:30,000
Speaker 4: change the pathway that you're on. I applied that so

1063
00:49:30,120 --> 00:49:35,080
Speaker 4: much to career and joy and fulfillment because again, because

1064
00:49:35,080 --> 00:49:37,120
Speaker 4: we're so instana gratuity based, we want to get to

1065
00:49:37,160 --> 00:49:40,680
Speaker 4: the passionate job and dream life. I think everyone wants

1066
00:49:40,719 --> 00:49:42,759
Speaker 4: to rush there. They want to have a book, they

1067
00:49:42,800 --> 00:49:45,040
Speaker 4: want to have a number one podcast, they want to

1068
00:49:45,040 --> 00:49:48,399
Speaker 4: have everything now, but they forget that if you had

1069
00:49:48,440 --> 00:49:50,719
Speaker 4: had the idea for she's on the money as it

1070
00:49:50,760 --> 00:49:53,400
Speaker 4: is right now, but ten years ago and skipped to

1071
00:49:53,400 --> 00:49:56,920
Speaker 4: the whole psychology chapter and you would have been too young,

1072
00:49:57,040 --> 00:49:59,640
Speaker 4: Like it wouldn't have worked. So you're actually not meant

1073
00:49:59,640 --> 00:50:02,120
Speaker 4: to skip any of those chapters. Nothing is ever a

1074
00:50:02,160 --> 00:50:05,640
Speaker 4: waste if you learn something, and there's something about the

1075
00:50:05,680 --> 00:50:08,640
Speaker 4: passage of time that actually makes the dream possible. If

1076
00:50:08,640 --> 00:50:11,400
Speaker 4: you tried any earlier, the world might not have been

1077
00:50:11,440 --> 00:50:12,040
Speaker 4: ready for it.

1078
00:50:12,040 --> 00:50:14,600
Speaker 5: It just wasn't going to work. Like you are exactly

1079
00:50:14,640 --> 00:50:16,520
Speaker 5: where you are supposed to be. And I think that

1080
00:50:16,600 --> 00:50:19,239
Speaker 5: I always get, you know, a lot of solace out

1081
00:50:19,280 --> 00:50:22,160
Speaker 5: of that, because sometimes life is hard, and you know,

1082
00:50:22,280 --> 00:50:25,200
Speaker 5: like now that I've quote made it, which lots of

1083
00:50:25,239 --> 00:50:27,920
Speaker 5: people say, like Forbes thirty under thirty like way to

1084
00:50:27,920 --> 00:50:28,839
Speaker 5: put more pressure on.

1085
00:50:28,840 --> 00:50:33,000
Speaker 3: Me, guys, Oh my gosh. People are like, well where

1086
00:50:33,040 --> 00:50:33,560
Speaker 3: to next?

1087
00:50:33,640 --> 00:50:36,800
Speaker 5: I'm like, I don't know, Like I was in bed,

1088
00:50:38,560 --> 00:50:40,759
Speaker 5: I don't know what am I supposed to do now,

1089
00:50:40,920 --> 00:50:42,840
Speaker 5: Like you guys are putting so much pressure on me

1090
00:50:42,920 --> 00:50:45,480
Speaker 5: to perform now, And I think that you don't see

1091
00:50:45,520 --> 00:50:47,960
Speaker 5: it from that aspect, but I think that the solace

1092
00:50:48,000 --> 00:50:50,200
Speaker 5: in knowing that I'm exactly where I need to be

1093
00:50:50,360 --> 00:50:53,319
Speaker 5: right now in this moment and that I you know,

1094
00:50:53,520 --> 00:50:56,879
Speaker 5: am serving my purpose and you know, I just want

1095
00:50:56,920 --> 00:50:59,960
Speaker 5: to live every day as me and that is you know,

1096
00:51:00,760 --> 00:51:02,080
Speaker 5: that's what I prioritize.

1097
00:51:02,120 --> 00:51:03,279
Speaker 3: And I think that you know.

1098
00:51:03,239 --> 00:51:05,280
Speaker 5: People always like, oh my gosh, like you must hustle

1099
00:51:05,400 --> 00:51:09,759
Speaker 5: so hard. Yeah, Like I guess I work a lot,

1100
00:51:09,920 --> 00:51:12,279
Speaker 5: but like I also really love a wine on the

1101
00:51:12,320 --> 00:51:14,600
Speaker 5: couch with my partner. And I've got two cats and

1102
00:51:14,640 --> 00:51:16,799
Speaker 5: a dog and I just love spending time with them.

1103
00:51:16,920 --> 00:51:19,280
Speaker 5: And you know, I love spending time with my parents

1104
00:51:19,320 --> 00:51:22,040
Speaker 5: and my sister. And you know it's I'm not who

1105
00:51:22,080 --> 00:51:24,200
Speaker 5: people seem to think I am. And I think that

1106
00:51:24,200 --> 00:51:26,919
Speaker 5: that's a really important thing to remember that we've all

1107
00:51:27,000 --> 00:51:29,640
Speaker 5: got lives outside of what you see on social media

1108
00:51:29,719 --> 00:51:32,120
Speaker 5: and what you hear on a podcast, and you know,

1109
00:51:32,280 --> 00:51:34,799
Speaker 5: nothing happens overnight. Like I didn't just end up with

1110
00:51:34,880 --> 00:51:38,280
Speaker 5: this massive podcast where you know, millions of people listen

1111
00:51:38,320 --> 00:51:40,480
Speaker 5: and thankfully I'm really grateful for this week and put

1112
00:51:40,520 --> 00:51:43,600
Speaker 5: advertising on and you know, create a revenue stream from

1113
00:51:43,600 --> 00:51:46,360
Speaker 5: that so I can employ people, like I had to

1114
00:51:46,400 --> 00:51:50,040
Speaker 5: pay for the first season. It was really expensive. It

1115
00:51:50,120 --> 00:51:52,759
Speaker 5: was really expensive, and I didn't know that you could

1116
00:51:52,760 --> 00:51:55,720
Speaker 5: do podcast advertising. I remember when I first got approached

1117
00:51:55,760 --> 00:51:57,319
Speaker 5: and I was like, what you can do?

1118
00:51:57,520 --> 00:52:00,600
Speaker 3: What I can make? I can break Eve Like you're

1119
00:52:00,680 --> 00:52:04,600
Speaker 3: very joking. I just remember that was never the intention.

1120
00:52:04,680 --> 00:52:06,880
Speaker 5: I didn't even know that was an opportunity. And to

1121
00:52:06,960 --> 00:52:08,719
Speaker 5: be honest, I think that in a space where we

1122
00:52:08,760 --> 00:52:11,759
Speaker 5: are talking about money, had I had that intention, it

1123
00:52:11,880 --> 00:52:14,400
Speaker 5: just wouldn't have worked anyway. So I think that my

1124
00:52:14,600 --> 00:52:17,680
Speaker 5: naivity at that time actually served us really.

1125
00:52:17,400 --> 00:52:21,880
Speaker 4: Well, which is also a very very common theme in

1126
00:52:21,920 --> 00:52:25,240
Speaker 4: this podcast that actually naivity sometimes is better because otherwise

1127
00:52:25,239 --> 00:52:27,880
Speaker 4: you would overthink it with too much knowledge and awareness,

1128
00:52:27,920 --> 00:52:29,720
Speaker 4: like maybe you wouldn't rip the band aid the same.

1129
00:52:29,600 --> 00:52:30,359
Speaker 3: Way that you did.

1130
00:52:30,760 --> 00:52:34,719
Speaker 4: Literally, well, I do actually want to ask you about

1131
00:52:34,760 --> 00:52:37,440
Speaker 4: that whole productivity pressure, and I have a tiny bit

1132
00:52:37,480 --> 00:52:40,520
Speaker 4: deeper into your identity outside if she's on the money,

1133
00:52:40,520 --> 00:52:42,239
Speaker 4: because I think it is really important that we all

1134
00:52:42,239 --> 00:52:43,440
Speaker 4: have a plata. As you know.

1135
00:52:43,960 --> 00:52:45,640
Speaker 3: But six days out at.

1136
00:52:45,520 --> 00:52:48,399
Speaker 4: The time of recording from this beautiful book actually coming

1137
00:52:48,400 --> 00:52:48,640
Speaker 4: into the.

1138
00:52:48,640 --> 00:52:49,480
Speaker 3: World, it's wild.

1139
00:52:49,600 --> 00:52:52,560
Speaker 5: It's less than a I believe, I feel like I'm

1140
00:52:52,560 --> 00:52:53,600
Speaker 5: having a baby.

1141
00:52:53,800 --> 00:52:55,080
Speaker 3: You are actually.

1142
00:52:54,960 --> 00:52:57,520
Speaker 4: Actually that is actually what you're doing, except that more

1143
00:52:57,560 --> 00:52:59,440
Speaker 4: people are going to touch it and feel it and

1144
00:52:59,480 --> 00:53:01,680
Speaker 4: have it in there homes than your actual child.

1145
00:53:01,760 --> 00:53:04,200
Speaker 5: There's actually no pain, like I don't have to go

1146
00:53:04,280 --> 00:53:05,719
Speaker 5: through the birthing process.

1147
00:53:05,800 --> 00:53:08,759
Speaker 3: You kind of worry though you've had a long pregnancy. Yeah,

1148
00:53:08,760 --> 00:53:12,319
Speaker 3: I cried a lot. I think it is no.

1149
00:53:12,400 --> 00:53:15,799
Speaker 4: Shit, the book that we all need so much, Like

1150
00:53:15,880 --> 00:53:18,040
Speaker 4: it is filling a gap that you can safely say,

1151
00:53:18,040 --> 00:53:20,120
Speaker 4: which not many authors can say that you're actually putting

1152
00:53:20,120 --> 00:53:22,440
Speaker 4: something out into the world that doesn't exist and that

1153
00:53:22,520 --> 00:53:27,040
Speaker 4: speaks to a whole huge portion of the world's population

1154
00:53:27,120 --> 00:53:28,400
Speaker 4: in a way that no one else speaks to them.

1155
00:53:28,400 --> 00:53:31,759
Speaker 4: Would you so exciting if you had to distill, just

1156
00:53:31,880 --> 00:53:35,960
Speaker 4: quickly for us the three biggest tips you would say

1157
00:53:36,280 --> 00:53:39,960
Speaker 4: to a financial newbie and the three biggest myths that

1158
00:53:40,000 --> 00:53:44,680
Speaker 4: you bust or the myths that you hear constantly, what

1159
00:53:44,760 --> 00:53:47,640
Speaker 4: would they be? Just as a little taster, no crush,

1160
00:53:47,960 --> 00:53:51,480
Speaker 4: I know, I know, because obviously people can go and

1161
00:53:51,520 --> 00:53:53,399
Speaker 4: get you know, do their own further research and listen

1162
00:53:53,400 --> 00:53:54,680
Speaker 4: to the pod and buy the book, which of course

1163
00:53:54,680 --> 00:53:55,279
Speaker 4: we want them to do.

1164
00:53:55,360 --> 00:53:57,800
Speaker 5: But just a taster, Okay. So I think the first

1165
00:53:57,800 --> 00:54:00,440
Speaker 5: thing is understanding your money story. It is the first

1166
00:54:00,440 --> 00:54:03,879
Speaker 5: in my book. And if you don't understand who you

1167
00:54:03,960 --> 00:54:06,879
Speaker 5: are and where you want to go and where you're

1168
00:54:06,880 --> 00:54:09,239
Speaker 5: coming from. How on earth do you think you're going

1169
00:54:09,320 --> 00:54:11,200
Speaker 5: to get anywhere? Like you were going to fall off

1170
00:54:11,239 --> 00:54:14,120
Speaker 5: track if you start budgeting like somebody else because that's

1171
00:54:14,160 --> 00:54:16,600
Speaker 5: their plan, is not your plan. And I think that

1172
00:54:16,800 --> 00:54:19,880
Speaker 5: understanding your money story and giving yourself time to process

1173
00:54:19,960 --> 00:54:23,680
Speaker 5: why your thoughts, values, beliefs, and behaviors around money are

1174
00:54:23,719 --> 00:54:26,480
Speaker 5: the way they are is really going to serve you well.

1175
00:54:26,800 --> 00:54:28,160
Speaker 5: And I think a lot of people would have just

1176
00:54:28,239 --> 00:54:30,360
Speaker 5: jumped into like here's a hot money tip in mind's

1177
00:54:30,360 --> 00:54:34,719
Speaker 5: like just understand you like that that's a Victoria thing

1178
00:54:34,800 --> 00:54:38,160
Speaker 5: to do, So that would be hot tip number one.

1179
00:54:38,320 --> 00:54:41,160
Speaker 5: Hot tap number two is to understand your budget and

1180
00:54:41,200 --> 00:54:44,719
Speaker 5: cash flow and stop seeing your budget as restrictive and

1181
00:54:44,840 --> 00:54:47,920
Speaker 5: start seeing it as a way that you can personally

1182
00:54:48,040 --> 00:54:50,520
Speaker 5: make sure that your money is flowing in line with

1183
00:54:50,600 --> 00:54:53,600
Speaker 5: your values and your beliefs. Like, how cool is it

1184
00:54:53,680 --> 00:54:56,240
Speaker 5: that we get to make sure that that comes to life,

1185
00:54:56,640 --> 00:54:59,799
Speaker 5: Like we have an opportunity here. It's not about saying, oh, well,

1186
00:55:00,320 --> 00:55:02,440
Speaker 5: next week, I'm only going to spend seventy dollars on

1187
00:55:02,520 --> 00:55:06,120
Speaker 5: groceries because I read that that was a pretty good number. Like, sorry,

1188
00:55:06,280 --> 00:55:08,839
Speaker 5: if food spucks your joy, and that is the one

1189
00:55:08,880 --> 00:55:11,200
Speaker 5: thing that you adore, and you know, my partner and

1190
00:55:11,239 --> 00:55:13,880
Speaker 5: I love cooking and I love food. Like if you

1191
00:55:13,880 --> 00:55:15,719
Speaker 5: said I really had seventy dollars in a week, I'd

1192
00:55:15,760 --> 00:55:17,920
Speaker 5: be like, hi, Sarah, So you can just put that

1193
00:55:18,040 --> 00:55:21,319
Speaker 5: opinion right in the bin over there and put that

1194
00:55:21,360 --> 00:55:22,799
Speaker 5: straight outside.

1195
00:55:22,480 --> 00:55:25,640
Speaker 3: Because I couldn't do that. You might, because you might

1196
00:55:25,680 --> 00:55:26,280
Speaker 3: have other.

1197
00:55:26,160 --> 00:55:28,640
Speaker 5: Values and things that you're working towards, but I don't

1198
00:55:28,680 --> 00:55:30,600
Speaker 5: want you to take those things off me. And that's

1199
00:55:30,600 --> 00:55:34,279
Speaker 5: why in the book, I never talk about percentages, and frustratingly,

1200
00:55:34,320 --> 00:55:36,840
Speaker 5: I'm sorry, I don't say things like, oh, well, you

1201
00:55:36,920 --> 00:55:40,520
Speaker 5: need to save twenty percent of your income, because that's

1202
00:55:40,840 --> 00:55:43,560
Speaker 5: really unfair. What if you earn forty thousand dollars and

1203
00:55:43,680 --> 00:55:47,080
Speaker 5: you have a child, like you can't save twenty percent

1204
00:55:47,120 --> 00:55:49,960
Speaker 5: and that's a really unfair expectation that I'd put on you.

1205
00:55:50,320 --> 00:55:52,799
Speaker 5: Whereas conversely, if someone reads this and they earn four

1206
00:55:52,840 --> 00:55:55,759
Speaker 5: hundred thousand dollars, you best believe I'd be expecting them

1207
00:55:55,800 --> 00:55:57,879
Speaker 5: to save a lot more than twenty percent because their

1208
00:55:57,920 --> 00:56:01,359
Speaker 5: cash flow is so high. So it is not fair

1209
00:56:01,360 --> 00:56:04,000
Speaker 5: to put percentages on people. And that's why I want

1210
00:56:04,000 --> 00:56:07,239
Speaker 5: you to understand your budget. And a budget is not

1211
00:56:07,600 --> 00:56:10,840
Speaker 5: a spending plan. It is not a you know, a

1212
00:56:10,920 --> 00:56:13,400
Speaker 5: reflection of how much you're allocating to each area. It's

1213
00:56:13,400 --> 00:56:15,960
Speaker 5: actually understanding what's coming into your bank account and what's

1214
00:56:16,040 --> 00:56:18,000
Speaker 5: going out of your bank account and whether it flows

1215
00:56:18,040 --> 00:56:20,919
Speaker 5: in line with your values. And then the third thing

1216
00:56:21,320 --> 00:56:23,319
Speaker 5: is a bit of a pivot from there, and that's

1217
00:56:23,400 --> 00:56:28,279
Speaker 5: understanding your superannuation. And your super is so powerful, like

1218
00:56:28,320 --> 00:56:32,000
Speaker 5: your super is literally you guys at this point in

1219
00:56:32,080 --> 00:56:35,200
Speaker 5: time investing a minimum of nine point five percent each

1220
00:56:35,200 --> 00:56:37,520
Speaker 5: and every single month, Like not many of us could

1221
00:56:37,520 --> 00:56:39,680
Speaker 5: say that we've been doing that since we started working,

1222
00:56:39,719 --> 00:56:41,719
Speaker 5: when in reality, that's what we are doing. And it

1223
00:56:41,800 --> 00:56:44,160
Speaker 5: is your money and you need to care about it,

1224
00:56:44,200 --> 00:56:46,000
Speaker 5: and you need to make sure that it is working

1225
00:56:46,040 --> 00:56:48,560
Speaker 5: in line with your values, but also that it is

1226
00:56:48,600 --> 00:56:51,120
Speaker 5: working as hard as you do for it. Yeah, you

1227
00:56:51,160 --> 00:56:53,799
Speaker 5: can't touch it until you retire, but that's what's going

1228
00:56:53,840 --> 00:56:56,480
Speaker 5: to prop up your retirement. So we need to start

1229
00:56:56,520 --> 00:56:57,640
Speaker 5: caring about that now.

1230
00:56:58,160 --> 00:56:59,520
Speaker 3: Because you know, a.

1231
00:56:59,440 --> 00:57:01,480
Speaker 5: Good exam and I do use this in the book,

1232
00:57:02,400 --> 00:57:04,759
Speaker 5: is if you started investing five hundred dollars a month

1233
00:57:04,760 --> 00:57:07,240
Speaker 5: as a twenty year old. At the time you retire,

1234
00:57:07,280 --> 00:57:10,520
Speaker 5: you'd have an investment portfolio worth one point two million dollars.

1235
00:57:10,719 --> 00:57:13,399
Speaker 5: And that one point two million dollars if you had

1236
00:57:13,440 --> 00:57:15,839
Speaker 5: only saved five hundred dollars a month, you would have

1237
00:57:15,880 --> 00:57:19,320
Speaker 5: two hundred and forty thousand dollars. But you could literally

1238
00:57:19,440 --> 00:57:22,440
Speaker 5: have essentially a million dollars more if it was invested

1239
00:57:22,480 --> 00:57:26,280
Speaker 5: instead of just saved. And the special thing about a

1240
00:57:26,320 --> 00:57:30,160
Speaker 5: one point two million dollar portfolio is that it will

1241
00:57:30,240 --> 00:57:34,040
Speaker 5: generate your passive income or average of sixty thousand dollars,

1242
00:57:34,080 --> 00:57:36,000
Speaker 5: Like what you're going to have a passive income of

1243
00:57:36,080 --> 00:57:38,560
Speaker 5: sixty grand when you retire if you just start saving

1244
00:57:39,280 --> 00:57:42,240
Speaker 5: like five hundred bucks a month, that's wild. But if

1245
00:57:42,280 --> 00:57:44,400
Speaker 5: I then said the same thing and said, hey, Sarah,

1246
00:57:44,400 --> 00:57:46,520
Speaker 5: do you want to retire with one point two million dollars?

1247
00:57:46,520 --> 00:57:48,800
Speaker 5: But you know you haven't really prioritized it and you're

1248
00:57:48,840 --> 00:57:51,720
Speaker 5: now fifty, great, Like, let's work towards that. Have you

1249
00:57:51,760 --> 00:57:54,000
Speaker 5: got seven and a half thousand dollars a month to.

1250
00:57:54,240 --> 00:57:57,120
Speaker 3: Say, like, can you do that? It's wild?

1251
00:57:57,400 --> 00:58:00,840
Speaker 5: The difference between putting it first and really understanding it

1252
00:58:00,880 --> 00:58:03,560
Speaker 5: while we're young means we just make a few small changes,

1253
00:58:03,600 --> 00:58:06,840
Speaker 5: set up some really good habits, and keep consistent with

1254
00:58:06,880 --> 00:58:09,880
Speaker 5: those habits. Whereas if I get to you too late,

1255
00:58:10,440 --> 00:58:12,800
Speaker 5: well we actually have to be really aggressive, and at

1256
00:58:12,800 --> 00:58:16,160
Speaker 5: that point we have to significantly compromise our lifestyles and

1257
00:58:16,200 --> 00:58:18,960
Speaker 5: sell assets that we might have, and you know, create

1258
00:58:19,000 --> 00:58:21,040
Speaker 5: a way to make that work. And nobody has seven

1259
00:58:21,080 --> 00:58:23,960
Speaker 5: and a half thousand dollars of free cash flow to invest.

1260
00:58:24,400 --> 00:58:27,560
Speaker 5: So I think it is really important to start prioritizing

1261
00:58:27,560 --> 00:58:29,600
Speaker 5: Souper now because that's what it can do for you.

1262
00:58:29,680 --> 00:58:31,600
Speaker 3: Like, that's pretty sexy if you ask me.

1263
00:58:31,880 --> 00:58:35,160
Speaker 4: Oh my god, you have Like that was my favorite chapter.

1264
00:58:35,760 --> 00:58:37,760
Speaker 4: I was reading it like shrinking into my chair a

1265
00:58:37,800 --> 00:58:40,680
Speaker 4: little bit because you do it in such a non

1266
00:58:40,720 --> 00:58:42,800
Speaker 4: judgmental way. I wasn't feeling any shame, but I was

1267
00:58:42,840 --> 00:58:44,720
Speaker 4: like Jesus Christ, oh.

1268
00:58:44,560 --> 00:58:49,520
Speaker 5: My, And like the example of doing it at twenty

1269
00:58:49,760 --> 00:58:52,960
Speaker 5: is it even makes me feel a little bit attacked

1270
00:58:52,960 --> 00:58:56,760
Speaker 5: because I definitely wasn't saving five hundred dollars. I'm kind

1271
00:58:56,760 --> 00:58:59,360
Speaker 5: of like, hey, here's this missed opportunity that I missed.

1272
00:58:59,360 --> 00:58:59,880
Speaker 3: That I hope you do.

1273
00:59:02,640 --> 00:59:06,000
Speaker 5: But it's really important to understand why we're doing these

1274
00:59:06,080 --> 00:59:08,520
Speaker 5: things because so many times people are like, oh, retirement,

1275
00:59:08,520 --> 00:59:09,560
Speaker 5: I don't care about.

1276
00:59:09,280 --> 00:59:12,640
Speaker 3: That, but yeah, sure, yeah.

1277
00:59:12,480 --> 00:59:14,480
Speaker 5: And we look at our parents and go that so

1278
00:59:14,640 --> 00:59:16,960
Speaker 5: far off. But if you ask them, hey, do you

1279
00:59:17,000 --> 00:59:18,760
Speaker 5: remember when you were thirty, they'll be like, oh, like

1280
00:59:18,800 --> 00:59:22,720
Speaker 5: it was yesterday, Like time flies, and you know, future

1281
00:59:22,800 --> 00:59:26,480
Speaker 5: us need to be cared for, like it's it's crazy,

1282
00:59:26,640 --> 00:59:27,880
Speaker 5: and yeah.

1283
00:59:27,600 --> 00:59:29,800
Speaker 4: And what about the myths that you hear or just

1284
00:59:29,840 --> 00:59:32,400
Speaker 4: more like the most common thing that people sort of.

1285
00:59:32,800 --> 00:59:34,720
Speaker 5: Look, I've got a good myth for you, and that

1286
00:59:34,960 --> 00:59:37,840
Speaker 5: is that you need a good credit score, and to

1287
00:59:37,960 --> 00:59:40,960
Speaker 5: get a good credit score, you need to have credit cards.

1288
00:59:41,440 --> 00:59:45,080
Speaker 5: And that is absolutely not true. So to get a

1289
00:59:45,080 --> 00:59:47,040
Speaker 5: good credit score, you just need to pay your debts

1290
00:59:47,160 --> 00:59:49,120
Speaker 5: and you know, make sure that you don't default on

1291
00:59:49,160 --> 00:59:51,520
Speaker 5: your phone plan and make sure that all the bills

1292
00:59:51,520 --> 00:59:54,920
Speaker 5: that you get are paid on time and consistently. I

1293
00:59:54,920 --> 00:59:57,960
Speaker 5: think it's really interesting and it's such an American idea

1294
00:59:58,160 --> 01:00:01,040
Speaker 5: that you need to have a credit card to develop

1295
01:00:01,040 --> 01:00:03,720
Speaker 5: a credit score is absolutely not the case. And too

1296
01:00:03,720 --> 01:00:06,320
Speaker 5: many times do people fall down this slippery slope of

1297
01:00:06,360 --> 01:00:08,040
Speaker 5: getting it because they're like, oh, but one day I

1298
01:00:08,040 --> 01:00:09,080
Speaker 5: want to buy a house and I want to have

1299
01:00:09,120 --> 01:00:11,720
Speaker 5: good credit, and it's actually putting you behind because having

1300
01:00:11,800 --> 01:00:13,960
Speaker 5: a credit card is actually a reflection of the fact

1301
01:00:14,000 --> 01:00:17,120
Speaker 5: that you're not that good at prioritizing your budget and

1302
01:00:17,160 --> 01:00:21,280
Speaker 5: saving for things, and that's actually not that sexy. And yeah,

1303
01:00:21,360 --> 01:00:23,680
Speaker 5: I think that that's something that a lot of us

1304
01:00:23,680 --> 01:00:27,120
Speaker 5: still believe in. And the second about buy now, pay later.

1305
01:00:27,520 --> 01:00:29,520
Speaker 5: I know that there's a lot going around at the

1306
01:00:29,560 --> 01:00:32,720
Speaker 5: moment about how quote doesn't impact your credit score, and

1307
01:00:32,760 --> 01:00:36,920
Speaker 5: they're running myth busting. Literally it's doing me up the

1308
01:00:36,960 --> 01:00:41,840
Speaker 5: wall because they are running myth busting advertising campaigns where

1309
01:00:41,840 --> 01:00:44,640
Speaker 5: they're like, oh, it's a myth that this product actually

1310
01:00:44,720 --> 01:00:48,720
Speaker 5: impacts your credit score, and you're like, they're not wrong

1311
01:00:48,720 --> 01:00:51,360
Speaker 5: in that it only impacts your credit score if you

1312
01:00:51,480 --> 01:00:54,160
Speaker 5: default on a payment, which happens a lot, if you

1313
01:00:54,240 --> 01:00:57,120
Speaker 5: let it get out of hand, and it's only going

1314
01:00:57,160 --> 01:01:01,120
Speaker 5: to impact you negatively if you actually aren't using it properly,

1315
01:01:01,240 --> 01:01:03,520
Speaker 5: or you find yourself not able to make that month's

1316
01:01:03,560 --> 01:01:07,680
Speaker 5: repayments and it's just a little irresponsible. So for me,

1317
01:01:07,800 --> 01:01:09,959
Speaker 5: that is a myth that does impact your credit score,

1318
01:01:10,000 --> 01:01:12,200
Speaker 5: because too many times we miss a payment or forget

1319
01:01:12,200 --> 01:01:14,919
Speaker 5: to transfer money into the account that it's direct debited from,

1320
01:01:14,920 --> 01:01:16,800
Speaker 5: and most of the time we're not trying to do

1321
01:01:16,880 --> 01:01:19,680
Speaker 5: the wrong thing. We just slipped up and that does

1322
01:01:19,720 --> 01:01:23,000
Speaker 5: get tracked. But when it comes to getting a mortgage,

1323
01:01:23,000 --> 01:01:26,880
Speaker 5: if that's aligned to your values getting a mortgage, they

1324
01:01:26,880 --> 01:01:29,680
Speaker 5: do look at by now pay later schemes and platforms.

1325
01:01:29,960 --> 01:01:31,760
Speaker 5: They see it as you not being able to manage

1326
01:01:31,760 --> 01:01:34,680
Speaker 5: your cash flow. So it's as much as it might

1327
01:01:34,720 --> 01:01:37,280
Speaker 5: not impact your credit history, it is definitely on your

1328
01:01:37,320 --> 01:01:40,720
Speaker 5: bank statements and banks when they are giving your mortgage

1329
01:01:40,760 --> 01:01:43,600
Speaker 5: review all of that. So for me, I think that

1330
01:01:43,680 --> 01:01:46,040
Speaker 5: those are probably two myths. I can't think of another

1331
01:01:46,080 --> 01:01:47,240
Speaker 5: one off the top of my head.

1332
01:01:47,360 --> 01:01:50,240
Speaker 4: I've got a third statistic or what is that. It's

1333
01:01:50,240 --> 01:01:53,480
Speaker 4: from that section which I found really interesting along with

1334
01:01:53,520 --> 01:01:56,680
Speaker 4: that myth busting about that the American perception of needing

1335
01:01:56,680 --> 01:01:59,400
Speaker 4: a credit card was that I can't remember the exact statistic,

1336
01:01:59,480 --> 01:02:02,880
Speaker 4: but just the buying behavior when you have a credit card,

1337
01:02:02,960 --> 01:02:05,600
Speaker 4: that the average purchase on a credit card is like

1338
01:02:05,600 --> 01:02:08,160
Speaker 4: one hundred and four dollars something, but if you did

1339
01:02:08,160 --> 01:02:10,560
Speaker 4: it on an f POS card, it's like fourteen dollars.

1340
01:02:10,680 --> 01:02:13,480
Speaker 4: So the mentality of having a credit card is that

1341
01:02:13,560 --> 01:02:17,600
Speaker 4: you spend like you just spend times as much, yeah,

1342
01:02:17,640 --> 01:02:19,760
Speaker 4: as money, when it's your money that you have to

1343
01:02:19,760 --> 01:02:22,640
Speaker 4: have in that account and how bizar Like you think

1344
01:02:22,640 --> 01:02:24,720
Speaker 4: you're on an even playing field that you'll get you

1345
01:02:24,720 --> 01:02:26,640
Speaker 4: you know, your points, but you'll pay it off from

1346
01:02:26,640 --> 01:02:29,240
Speaker 4: the cash that you've got, and it doesn't operate that way.

1347
01:02:29,360 --> 01:02:32,440
Speaker 5: And that's crazy, right, Like I feel like it's actually

1348
01:02:32,560 --> 01:02:37,520
Speaker 5: crazy that you know, so many times we just don't

1349
01:02:37,560 --> 01:02:39,400
Speaker 5: assume that, Like if you've got a credit card, you'd

1350
01:02:39,440 --> 01:02:41,840
Speaker 5: be like, I'm not spending more, but I guarantee you

1351
01:02:41,920 --> 01:02:44,000
Speaker 5: if I made you get one hundred dollars out of

1352
01:02:44,000 --> 01:02:46,800
Speaker 5: the bank and that was how much you only had

1353
01:02:46,880 --> 01:02:49,280
Speaker 5: in your hands to spend all the groceries this week,

1354
01:02:49,320 --> 01:02:51,640
Speaker 5: you would be so much more conscious walking around to

1355
01:02:51,640 --> 01:02:53,840
Speaker 5: the supermarket picking up things and putting it in your

1356
01:02:53,840 --> 01:02:56,440
Speaker 5: trolley because you know that's all you've got, Whereas when

1357
01:02:56,440 --> 01:02:58,040
Speaker 5: you have a credit card, you're like, oh whatever, like

1358
01:02:58,080 --> 01:03:00,320
Speaker 5: it's not a thing, Like I don't mind you, Like

1359
01:03:00,360 --> 01:03:02,720
Speaker 5: I've got this budget in my head and like hopefully

1360
01:03:02,800 --> 01:03:05,760
Speaker 5: it's about that. But you just have a different mentality

1361
01:03:05,760 --> 01:03:08,640
Speaker 5: and it is a different mindset, and yeah, it's really

1362
01:03:08,640 --> 01:03:12,960
Speaker 5: frustrating because you just frustrate you feel a bit stooged.

1363
01:03:13,560 --> 01:03:13,720
Speaker 3: Yea.

1364
01:03:15,560 --> 01:03:18,680
Speaker 4: Oh well, our very last section is Playta as I

1365
01:03:18,720 --> 01:03:20,880
Speaker 4: mentioned before, where I would love to talk about all

1366
01:03:20,920 --> 01:03:22,640
Speaker 4: the things that all the sides of you that aren't

1367
01:03:22,840 --> 01:03:25,120
Speaker 4: finance related. And it's hard when your job and your

1368
01:03:25,160 --> 01:03:28,600
Speaker 4: passion is something that does touch kind of areas of

1369
01:03:28,640 --> 01:03:31,640
Speaker 4: everyday life, like literally everything could give you a new idea,

1370
01:03:31,800 --> 01:03:34,040
Speaker 4: and you have to live on the Internet and on

1371
01:03:34,080 --> 01:03:36,280
Speaker 4: social media to you know, keep up with your job,

1372
01:03:36,320 --> 01:03:39,160
Speaker 4: which means it similar to me, like we're always looking

1373
01:03:39,200 --> 01:03:41,240
Speaker 4: for the idea in something because we're aware a type

1374
01:03:41,240 --> 01:03:43,960
Speaker 4: personalities that love to just deliver to our audience. And

1375
01:03:44,000 --> 01:03:47,280
Speaker 4: you mentioned before that productivity pressure as well as a book.

1376
01:03:47,320 --> 01:03:51,560
Speaker 4: You've just started two more podcasts on top of that

1377
01:03:51,560 --> 01:03:53,919
Speaker 4: that you already do for the one that you have,

1378
01:03:54,120 --> 01:03:55,800
Speaker 4: Like we literally have.

1379
01:03:55,800 --> 01:03:57,160
Speaker 5: A podcast to day now.

1380
01:03:57,240 --> 01:04:01,200
Speaker 4: It is insane, and you've just got a new platform

1381
01:04:01,240 --> 01:04:02,000
Speaker 4: that you developed.

1382
01:04:02,480 --> 01:04:03,760
Speaker 3: You have one every day.

1383
01:04:03,920 --> 01:04:07,080
Speaker 5: So between all three podcasts, we've got Monday, Wednesday, Friday

1384
01:04:07,080 --> 01:04:09,560
Speaker 5: where She's on the Money. You've got the Property Playbook

1385
01:04:09,600 --> 01:04:12,280
Speaker 5: on Tuesdays and the Business Bible on Thursdays.

1386
01:04:12,880 --> 01:04:13,120
Speaker 3: Wow.

1387
01:04:13,240 --> 01:04:15,440
Speaker 4: So this section is redundant because it's like, wait, there

1388
01:04:15,480 --> 01:04:18,240
Speaker 4: are no minutes left for her to do anything.

1389
01:04:18,040 --> 01:04:19,760
Speaker 3: House, Oh my gosh, no.

1390
01:04:19,840 --> 01:04:22,120
Speaker 5: And then we do bonus episodes because they just get

1391
01:04:22,120 --> 01:04:24,080
Speaker 5: too excited and like, oh my gosh, can we put

1392
01:04:24,120 --> 01:04:27,560
Speaker 5: this up? And my team are literally they are angels

1393
01:04:27,600 --> 01:04:29,640
Speaker 5: and they look after me so well. But I am

1394
01:04:29,720 --> 01:04:32,480
Speaker 5: absolutely certain that they don't like me because.

1395
01:04:35,000 --> 01:04:36,640
Speaker 4: But this is a hard thing as well. When you

1396
01:04:36,680 --> 01:04:39,120
Speaker 4: love what you do and you actually genuinely get excited

1397
01:04:39,160 --> 01:04:41,520
Speaker 4: about the content that you're creating, that gives you even

1398
01:04:41,640 --> 01:04:44,800
Speaker 4: less incentive to have space in your life outside of

1399
01:04:44,840 --> 01:04:45,360
Speaker 4: it exactly.

1400
01:04:45,520 --> 01:04:48,520
Speaker 3: So how do you do that, like, especially.

1401
01:04:48,200 --> 01:04:52,320
Speaker 4: When the momentum from your community, like there's actual demand.

1402
01:04:52,440 --> 01:04:54,960
Speaker 4: You know, some people have trouble with productivity and rest

1403
01:04:55,040 --> 01:04:58,240
Speaker 4: and downtime even when there's not literal dms like when.

1404
01:04:58,160 --> 01:05:00,520
Speaker 3: Is the next episode coming down? Actually?

1405
01:05:01,480 --> 01:05:03,440
Speaker 4: How do you do things that are just for joy

1406
01:05:03,480 --> 01:05:06,320
Speaker 4: and that are separate from finance and separate from podcasting

1407
01:05:06,400 --> 01:05:07,280
Speaker 4: and that are just for you.

1408
01:05:07,400 --> 01:05:09,400
Speaker 5: Yeah, you have to plan it right, like, you have

1409
01:05:09,480 --> 01:05:11,360
Speaker 5: to actually make it planned.

1410
01:05:11,600 --> 01:05:15,000
Speaker 3: And you know, I used to be that person.

1411
01:05:14,720 --> 01:05:16,320
Speaker 5: That put a lot of pressure on myself and I

1412
01:05:16,360 --> 01:05:17,960
Speaker 5: got up at four thirty in the morning, and I'd

1413
01:05:17,960 --> 01:05:19,240
Speaker 5: go to the gym and then I'd be at work

1414
01:05:19,280 --> 01:05:23,200
Speaker 5: by seven, and I would run my life very like clockwork.

1415
01:05:23,240 --> 01:05:26,160
Speaker 5: But I wasn't that happy. And now you best believe

1416
01:05:26,200 --> 01:05:28,040
Speaker 5: I do not show up to the office until at

1417
01:05:28,120 --> 01:05:30,080
Speaker 5: least ten thirty most mornings.

1418
01:05:29,720 --> 01:05:32,560
Speaker 3: And ooh, that's amazing.

1419
01:05:32,760 --> 01:05:36,360
Speaker 5: My partner and I prioritize making sure that we go

1420
01:05:36,440 --> 01:05:38,520
Speaker 5: for a walk every morning and get a coffee. And

1421
01:05:38,520 --> 01:05:40,520
Speaker 5: I was saying to you before we started recording that

1422
01:05:41,520 --> 01:05:44,640
Speaker 5: we've got a dog, Lucy, and we got her in December,

1423
01:05:44,880 --> 01:05:47,080
Speaker 5: and you know, we don't ask her if she wants

1424
01:05:47,120 --> 01:05:50,200
Speaker 5: to go for walks like everybody else's dog. We'll say

1425
01:05:50,240 --> 01:05:51,320
Speaker 5: do you want to go for a walk, and she'd

1426
01:05:51,400 --> 01:05:52,840
Speaker 5: just look at you like what are you talking about?

1427
01:05:52,840 --> 01:05:54,040
Speaker 5: But if you say, Lucy, do you want to go

1428
01:05:54,080 --> 01:05:56,200
Speaker 5: for coffee? Like she loses it and runs to the

1429
01:05:56,200 --> 01:05:59,720
Speaker 5: front door. Because that's stephen My thing. Like we go

1430
01:05:59,760 --> 01:06:02,080
Speaker 5: for a coffee in a walk every single morning, Like

1431
01:06:02,160 --> 01:06:04,720
Speaker 5: we do this five k walk together and it's always

1432
01:06:04,760 --> 01:06:07,120
Speaker 5: the same loop because we're really boring, but we also

1433
01:06:07,200 --> 01:06:10,880
Speaker 5: have it well timed and that's our time to have

1434
01:06:10,920 --> 01:06:12,800
Speaker 5: a chat in the mornings and set up our days

1435
01:06:12,800 --> 01:06:15,880
Speaker 5: well and just enjoy it. And I do work really late,

1436
01:06:15,920 --> 01:06:18,520
Speaker 5: and I think our community sees that, but it's not

1437
01:06:18,560 --> 01:06:20,920
Speaker 5: because I'm working twenty four to seven. It's because I've

1438
01:06:20,960 --> 01:06:23,920
Speaker 5: come in late and enjoyed my morning. And you know,

1439
01:06:24,120 --> 01:06:26,880
Speaker 5: lockdown has definitely and COVID has definitely got in the

1440
01:06:26,880 --> 01:06:29,040
Speaker 5: way of me being able to seize the things that

1441
01:06:29,120 --> 01:06:32,000
Speaker 5: I love doing and being able to do them. But

1442
01:06:32,120 --> 01:06:35,080
Speaker 5: when COVID's not a thing, I want to go back

1443
01:06:35,120 --> 01:06:41,480
Speaker 5: to playing netball on Wednesday night. I play socially terribly,

1444
01:06:41,760 --> 01:06:44,560
Speaker 5: mind you. Like I play center and like there is

1445
01:06:44,760 --> 01:06:49,360
Speaker 5: no way, absolutely no way that anybody would ask me

1446
01:06:49,440 --> 01:06:53,760
Speaker 5: to be on their team. But I'm small and I'm

1447
01:06:53,840 --> 01:06:55,880
Speaker 5: pretty good at running, so I feel like I make

1448
01:06:55,920 --> 01:06:56,800
Speaker 5: a pretty good center.

1449
01:06:57,000 --> 01:06:59,360
Speaker 3: Like I'm there, I mean just like the core of

1450
01:06:59,400 --> 01:07:01,520
Speaker 3: the team, like holding up the whole team.

1451
01:07:01,760 --> 01:07:04,120
Speaker 5: Yeah, I wouldn't call it the core. I'm like the

1452
01:07:04,200 --> 01:07:06,800
Speaker 5: little one that runs around and I'm definitely not tall

1453
01:07:06,920 --> 01:07:09,360
Speaker 5: enough to be a shooter or even a defender. So

1454
01:07:09,440 --> 01:07:12,120
Speaker 5: I think I just ended up with that position because

1455
01:07:12,160 --> 01:07:13,920
Speaker 5: they were like, oh, well, she needs to be on

1456
01:07:13,960 --> 01:07:16,320
Speaker 5: the team, but like we're not putting her in that ring.

1457
01:07:16,840 --> 01:07:19,640
Speaker 5: So but she could be the treasurer, so yeah, yeah,

1458
01:07:19,720 --> 01:07:24,040
Speaker 5: yeah we need her, So yeah, I do that. And

1459
01:07:24,120 --> 01:07:27,800
Speaker 5: speaking of treasurer, I'm the treasure out for a charity

1460
01:07:27,840 --> 01:07:31,800
Speaker 5: TLC for and I've done it for more than a

1461
01:07:31,880 --> 01:07:33,600
Speaker 5: year now. And yeah, Tim is.

1462
01:07:35,040 --> 01:07:36,160
Speaker 3: He's so special.

1463
01:07:36,240 --> 01:07:39,560
Speaker 5: He's one of those people that you meet and you

1464
01:07:39,720 --> 01:07:41,280
Speaker 5: just are like are you a unicorn?

1465
01:07:41,520 --> 01:07:43,920
Speaker 3: Like how do you? How do you care? So much?

1466
01:07:44,040 --> 01:07:47,160
Speaker 5: Like He's just such a beautiful person and I'm so

1467
01:07:47,240 --> 01:07:48,880
Speaker 5: grateful to be able to do that. So I do

1468
01:07:48,960 --> 01:07:52,280
Speaker 5: that in my spare time as well. That's literally just

1469
01:07:52,320 --> 01:07:55,720
Speaker 5: a passion Like TLC is a charity for sick children,

1470
01:07:55,920 --> 01:07:59,000
Speaker 5: and I'm just so passionate about everything they do and

1471
01:07:59,080 --> 01:08:01,760
Speaker 5: so proud of being, you know, a part of their team,

1472
01:08:02,080 --> 01:08:04,560
Speaker 5: and you know, just to be young as well and

1473
01:08:04,720 --> 01:08:08,320
Speaker 5: on that feels really special because I don't think that

1474
01:08:08,320 --> 01:08:11,400
Speaker 5: that's an opportunity that you know, I ever thought would

1475
01:08:11,440 --> 01:08:13,640
Speaker 5: be extended to me, like to sit on a board,

1476
01:08:13,760 --> 01:08:14,120
Speaker 5: Like what.

1477
01:08:14,200 --> 01:08:16,080
Speaker 3: Who am I? You're so fancy?

1478
01:08:16,439 --> 01:08:18,839
Speaker 4: I talked about the pedestal at the start, you're literally

1479
01:08:18,920 --> 01:08:20,160
Speaker 4: like getting even higher.

1480
01:08:20,280 --> 01:08:21,679
Speaker 3: Yeah, but it's not the case.

1481
01:08:21,880 --> 01:08:24,200
Speaker 5: It is not the case, like I do that, you

1482
01:08:24,240 --> 01:08:26,880
Speaker 5: know on the weekends, Like I love hanging out with

1483
01:08:26,920 --> 01:08:31,480
Speaker 5: my family, I love cooking. I am terrible at reforma pilates,

1484
01:08:31,560 --> 01:08:34,599
Speaker 5: but religiously go. I'm that person that they're like, oh,

1485
01:08:34,640 --> 01:08:36,760
Speaker 5: if you could just fix this, and I'm always like,

1486
01:08:36,880 --> 01:08:39,519
Speaker 5: stop it, Like I suck. I know I suck, like

1487
01:08:39,720 --> 01:08:41,360
Speaker 5: and I know you know I stuck because I've been

1488
01:08:41,400 --> 01:08:44,360
Speaker 5: coming here forever. But this is my joy, So just

1489
01:08:44,439 --> 01:08:46,559
Speaker 5: leave me alone. Yeah, if you could just leave me alone.

1490
01:08:46,640 --> 01:08:48,120
Speaker 5: I'm just trying to be helpy.

1491
01:08:50,640 --> 01:08:51,799
Speaker 3: Oh I love it.

1492
01:08:51,960 --> 01:08:54,160
Speaker 5: I genuinely don't have as much time as I would

1493
01:08:54,320 --> 01:08:57,960
Speaker 5: like to have free. But as my team grows, you know,

1494
01:08:58,000 --> 01:09:00,599
Speaker 5: I'm finding that I'm able to take my hands off

1495
01:09:00,640 --> 01:09:03,920
Speaker 5: things as much as I could. Like twelve months ago,

1496
01:09:04,040 --> 01:09:06,960
Speaker 5: I never ever could have, you know, come into the

1497
01:09:06,960 --> 01:09:10,040
Speaker 5: office at ten thirty in the morning. But now I'm, yeah,

1498
01:09:10,120 --> 01:09:12,240
Speaker 5: creating the life that I want to live. And you know,

1499
01:09:12,320 --> 01:09:14,040
Speaker 5: I'm grateful that I get to do that. But I

1500
01:09:14,080 --> 01:09:16,800
Speaker 5: also get to extend that to my team, and you know,

1501
01:09:16,800 --> 01:09:19,000
Speaker 5: knowing that they get to I just want them to

1502
01:09:19,000 --> 01:09:21,120
Speaker 5: do their work, so like they get to come and go.

1503
01:09:21,240 --> 01:09:23,599
Speaker 5: I feel like we've got this little team of people

1504
01:09:23,680 --> 01:09:26,160
Speaker 5: who are passionate about She's on the money, but also

1505
01:09:26,360 --> 01:09:28,519
Speaker 5: have lives outside of She's.

1506
01:09:28,280 --> 01:09:28,679
Speaker 3: On the money.

1507
01:09:28,720 --> 01:09:32,200
Speaker 5: I don't want everything to revolve around that, except.

1508
01:09:31,880 --> 01:09:34,160
Speaker 4: You've created such a beautiful environment when you know that

1509
01:09:34,200 --> 01:09:35,840
Speaker 4: they probably do want everything.

1510
01:09:35,560 --> 01:09:37,160
Speaker 3: In their life to revolve around that way.

1511
01:09:37,280 --> 01:09:40,559
Speaker 5: They are so kind to Honestly, I am so grateful

1512
01:09:40,640 --> 01:09:43,679
Speaker 5: for all of them. And yeah, like being in lockdown,

1513
01:09:44,120 --> 01:09:47,760
Speaker 5: especially for the fourth time, it just reminds us. We

1514
01:09:47,800 --> 01:09:50,040
Speaker 5: always like we're itching to get back to the office

1515
01:09:50,040 --> 01:09:52,479
Speaker 5: to be together, to just hang out together, because we're

1516
01:09:52,479 --> 01:09:55,479
Speaker 5: more creative together. We you know, vibe off each other

1517
01:09:55,560 --> 01:09:58,160
Speaker 5: and just enjoy it. And the office dog Lucy, she

1518
01:09:58,320 --> 01:10:00,960
Speaker 5: comes in every day and she he's got her own

1519
01:10:01,120 --> 01:10:05,400
Speaker 5: like basket and hangs out and yeah, everyone just gets along.

1520
01:10:05,439 --> 01:10:08,519
Speaker 5: And it's definitely not a high pressure environment at all,

1521
01:10:08,600 --> 01:10:10,960
Speaker 5: and I think it keeps you humble and keeps you

1522
01:10:11,240 --> 01:10:14,439
Speaker 5: really down to worth because like when something fancy happens,

1523
01:10:14,479 --> 01:10:18,160
Speaker 5: and I'm very grateful It's happened a lot recently, like

1524
01:10:18,200 --> 01:10:20,719
Speaker 5: with Forbes, and there's been a lot of news articles

1525
01:10:20,720 --> 01:10:23,120
Speaker 5: that have featured us. My team always like, oh, you're

1526
01:10:23,120 --> 01:10:26,360
Speaker 5: a whanker, like this article, like if only they knew

1527
01:10:26,360 --> 01:10:28,679
Speaker 5: the real you, And to be honest, I wouldn't change

1528
01:10:28,720 --> 01:10:30,680
Speaker 5: it for the world. Like I don't want people to

1529
01:10:30,720 --> 01:10:33,880
Speaker 5: think that I'm some fancy person, Like I'm normal. I'm

1530
01:10:33,880 --> 01:10:37,200
Speaker 5: down to earth and like yeah, like I'm just trying

1531
01:10:37,200 --> 01:10:38,040
Speaker 5: to pay my mortgage.

1532
01:10:38,080 --> 01:10:45,400
Speaker 4: Guys, congratulations on having one. By the way, we saw that,

1533
01:10:46,640 --> 01:10:48,720
Speaker 4: Or just to finish out, what are three interesting things

1534
01:10:48,760 --> 01:10:51,840
Speaker 4: about you that don't normally come up in conversation And

1535
01:10:51,920 --> 01:10:53,600
Speaker 4: I'm going to have to say that they cannot be

1536
01:10:53,680 --> 01:10:54,519
Speaker 4: finance related.

1537
01:10:55,720 --> 01:10:58,559
Speaker 5: Well, there's nothing interesting when it comes to finance.

1538
01:10:58,640 --> 01:11:01,360
Speaker 3: You would do that as a job. You have shit

1539
01:11:01,520 --> 01:11:05,920
Speaker 3: to talk about money? What have we got?

1540
01:11:06,280 --> 01:11:08,440
Speaker 5: I don't know what makes me interesting?

1541
01:11:08,760 --> 01:11:11,320
Speaker 4: So many things, so many things. And can I also

1542
01:11:11,360 --> 01:11:14,519
Speaker 4: just say, as a little aside, having met when we

1543
01:11:14,520 --> 01:11:18,360
Speaker 4: were both at very different stages, I have always had

1544
01:11:18,400 --> 01:11:21,720
Speaker 4: this sense that you are going places and you have

1545
01:11:21,800 --> 01:11:24,479
Speaker 4: such a passionate energy about what you do, and it's

1546
01:11:24,479 --> 01:11:29,280
Speaker 4: so satisfying And I don't know quite how to describe

1547
01:11:29,280 --> 01:11:32,760
Speaker 4: the feeling though, to see that all that energy and

1548
01:11:32,840 --> 01:11:36,800
Speaker 4: bars and passion and intellect and potential that when we

1549
01:11:36,800 --> 01:11:38,800
Speaker 4: first met, I was like, oh man, this woman like

1550
01:11:38,880 --> 01:11:41,480
Speaker 4: you are taking over the world, that you're doing it,

1551
01:11:41,560 --> 01:11:43,800
Speaker 4: like it has just been such a privilege to what,

1552
01:11:43,920 --> 01:11:45,120
Speaker 4: you know what you know what I mean though, when

1553
01:11:45,160 --> 01:11:47,800
Speaker 4: you meet someone before the thing that you know them

1554
01:11:47,800 --> 01:11:50,240
Speaker 4: in now to have watched it is such a great

1555
01:11:50,280 --> 01:11:53,320
Speaker 4: privilege because this is what you were destined to do.

1556
01:11:53,760 --> 01:11:56,280
Speaker 5: That is so kind and I feel like I was

1557
01:11:56,400 --> 01:11:59,439
Speaker 5: destined to do it, and it's it's crazy to think

1558
01:11:59,479 --> 01:12:02,120
Speaker 5: we're doing it, and it, you know, rederates.

1559
01:12:01,560 --> 01:12:03,000
Speaker 3: When people say stuff like that to me.

1560
01:12:03,040 --> 01:12:04,880
Speaker 5: It just reminds me that I am doing the right

1561
01:12:04,920 --> 01:12:07,080
Speaker 5: thing and I am in the right place, and you know,

1562
01:12:07,200 --> 01:12:12,280
Speaker 5: like all of these achievements over the last few months

1563
01:12:12,360 --> 01:12:14,519
Speaker 5: or years or whatever we want to call it, like

1564
01:12:14,960 --> 01:12:17,599
Speaker 5: just reminds me that whatever we are doing, we're doing

1565
01:12:17,600 --> 01:12:19,679
Speaker 5: it right, and we're in the right space, and we're

1566
01:12:19,680 --> 01:12:22,400
Speaker 5: making the right steps forward and we're having these impacts.

1567
01:12:22,439 --> 01:12:25,240
Speaker 5: And you know, my favorite thing in the entire world

1568
01:12:25,360 --> 01:12:27,760
Speaker 5: is you know, I guess that's an interesting fact. It's

1569
01:12:27,800 --> 01:12:29,840
Speaker 5: not about finance, but it is about she's on the money.

1570
01:12:29,920 --> 01:12:32,439
Speaker 5: Is that when it comes to DMS and it comes

1571
01:12:32,479 --> 01:12:35,200
Speaker 5: to you know, managing the socials, like I don't want

1572
01:12:35,240 --> 01:12:37,200
Speaker 5: to let go of that. Like, my favorite thing is

1573
01:12:37,240 --> 01:12:40,000
Speaker 5: talking to our community and talking to the people in

1574
01:12:40,040 --> 01:12:42,200
Speaker 5: our dms who message us to be like, hey, I

1575
01:12:42,240 --> 01:12:44,439
Speaker 5: know you might not read this. We do definitely read it,

1576
01:12:44,520 --> 01:12:46,640
Speaker 5: just defoy, but I just want to tell you that

1577
01:12:46,720 --> 01:12:48,519
Speaker 5: I've paid off all my debt because I listened to

1578
01:12:48,560 --> 01:12:51,280
Speaker 5: your podcast or you know, a really special one the

1579
01:12:51,320 --> 01:12:53,559
Speaker 5: other day was that she'd gotten out of a financially

1580
01:12:53,600 --> 01:12:57,160
Speaker 5: abusive relationship and it was because of our episodes on

1581
01:12:57,200 --> 01:12:59,280
Speaker 5: that and she'd you know, saved up and it was

1582
01:12:59,320 --> 01:13:02,040
Speaker 5: a plan that created over the last eight months and

1583
01:13:02,080 --> 01:13:04,800
Speaker 5: that you know, we were integral to that. And that's

1584
01:13:04,880 --> 01:13:07,800
Speaker 5: crazy to think that we're impacting people without even knowing

1585
01:13:07,880 --> 01:13:10,000
Speaker 5: it and they just tell us later they're like, oh, yeah,

1586
01:13:10,000 --> 01:13:12,759
Speaker 5: by the way, you did this, Like what I helped

1587
01:13:12,760 --> 01:13:16,479
Speaker 5: you get out of a financially abusive relationship, that's wild.

1588
01:13:16,680 --> 01:13:19,160
Speaker 5: Like I'm so proud of that. And I don't want

1589
01:13:19,680 --> 01:13:22,360
Speaker 5: us to ever lose that as our driving force and

1590
01:13:22,400 --> 01:13:25,360
Speaker 5: as our priority, because you know, you're right, it's really

1591
01:13:25,439 --> 01:13:27,840
Speaker 5: fancy to be a Forbes thirty under thirty. I don't

1592
01:13:27,920 --> 01:13:30,679
Speaker 5: want that, though. I want the people in my dms.

1593
01:13:30,800 --> 01:13:33,280
Speaker 5: I want to talk to people about saving. I want

1594
01:13:33,320 --> 01:13:35,400
Speaker 5: to talk to people about, you know, a savings hack

1595
01:13:35,479 --> 01:13:37,080
Speaker 5: that I made and I made it on PowerPoint, but

1596
01:13:37,120 --> 01:13:38,880
Speaker 5: I made it a PDF and you can download it

1597
01:13:39,040 --> 01:13:41,880
Speaker 5: on your bridge. Like that's who I am and what

1598
01:13:41,960 --> 01:13:44,719
Speaker 5: I want to do. And I think that, yeah, that's

1599
01:13:44,840 --> 01:13:47,120
Speaker 5: I guess something that people assume I have handed over

1600
01:13:47,240 --> 01:13:49,439
Speaker 5: because we do have a content manager now and a

1601
01:13:49,479 --> 01:13:52,479
Speaker 5: content producer, but I'm pretty controlling when.

1602
01:13:52,360 --> 01:13:55,080
Speaker 3: It comes to that. I love that though. It's because

1603
01:13:55,080 --> 01:13:56,599
Speaker 3: you're so in touch with your audience still.

1604
01:13:56,640 --> 01:13:59,240
Speaker 5: Because of that, well you have to be, because that's

1605
01:13:59,360 --> 01:14:02,120
Speaker 5: why I'm here. Yeah, Like they're the reason I get

1606
01:14:02,160 --> 01:14:04,559
Speaker 5: to do what I love every single day. And I'm

1607
01:14:04,600 --> 01:14:07,160
Speaker 5: so grateful for all of them to be here, because

1608
01:14:07,560 --> 01:14:09,720
Speaker 5: not many people can say I wake up every day

1609
01:14:09,760 --> 01:14:12,880
Speaker 5: so proud of what I do and like that's so cool.

1610
01:14:13,479 --> 01:14:16,240
Speaker 5: And yeah, I guess that's one thing people don't know

1611
01:14:16,439 --> 01:14:17,680
Speaker 5: and assume it's not me.

1612
01:14:18,040 --> 01:14:20,920
Speaker 4: What about one that Steve would know but no one

1613
01:14:20,960 --> 01:14:24,240
Speaker 4: else would know, Like weird things that you do?

1614
01:14:24,400 --> 01:14:28,320
Speaker 5: Oh, that I am obsessed and have an uncontrollable desire

1615
01:14:28,479 --> 01:14:33,160
Speaker 5: for frozen ice cream, chocolate mo cheese. Oh oh, so sific,

1616
01:14:33,720 --> 01:14:36,600
Speaker 5: so specific, but like if ever I'm sad and he

1617
01:14:36,720 --> 01:14:39,439
Speaker 5: comes home with a box of chocolate ice cream mo CHIESE,

1618
01:14:39,479 --> 01:14:41,360
Speaker 5: there are six in a box. You best believe I

1619
01:14:41,360 --> 01:14:43,320
Speaker 5: will not be saving you any I will eat the

1620
01:14:43,360 --> 01:14:47,160
Speaker 5: whole thing and like he can change my day with

1621
01:14:47,200 --> 01:14:47,840
Speaker 5: the box.

1622
01:14:47,640 --> 01:14:49,320
Speaker 3: Of mo cheese, like I promise you.

1623
01:14:49,560 --> 01:14:51,800
Speaker 5: And that would be such a bad spending havoc because

1624
01:14:51,800 --> 01:14:54,040
Speaker 5: I think full price, they're like seven dollars a box,

1625
01:14:54,080 --> 01:14:56,160
Speaker 5: but they are a good deal even not on sale.

1626
01:14:56,840 --> 01:15:01,520
Speaker 4: They my friend, your budget pie ch is like mostly

1627
01:15:02,920 --> 01:15:08,479
Speaker 4: mortgage groceries is like tiny health insurance, you know, much

1628
01:15:08,600 --> 01:15:09,280
Speaker 4: is more important?

1629
01:15:09,800 --> 01:15:13,320
Speaker 5: Yeah, yeah, I think he would absolutely say that. And

1630
01:15:13,479 --> 01:15:16,720
Speaker 5: I think he would also want to tell people that

1631
01:15:17,439 --> 01:15:21,920
Speaker 5: my personality is also in my pets personalities. And we

1632
01:15:22,000 --> 01:15:26,200
Speaker 5: talk about this all the time because we've got three pets.

1633
01:15:26,200 --> 01:15:28,120
Speaker 5: I have two cats and a dog. I've got Bailey

1634
01:15:28,200 --> 01:15:31,080
Speaker 5: who's ten and he's a Tonkenese. I've got Henry who's

1635
01:15:31,080 --> 01:15:33,120
Speaker 5: one and he's a chocolate Tonguenese.

1636
01:15:33,120 --> 01:15:33,519
Speaker 3: And I've got.

1637
01:15:33,520 --> 01:15:36,519
Speaker 5: Lucy who is a sheeperdoodle and she is nine months.

1638
01:15:37,040 --> 01:15:39,880
Speaker 5: And yeah, they're all as crazy as I am. And

1639
01:15:40,120 --> 01:15:42,559
Speaker 5: sometimes he just looks at them and is like you

1640
01:15:42,600 --> 01:15:46,559
Speaker 5: are actually like your pets, Like, you know, Lucy's very

1641
01:15:46,600 --> 01:15:48,680
Speaker 5: snugly and cuddly and just wants to be on the

1642
01:15:48,680 --> 01:15:50,960
Speaker 5: couch in her blanket, and that is me. And Bailey

1643
01:15:51,040 --> 01:15:53,960
Speaker 5: can be really sassy, and that is also me. And

1644
01:15:54,439 --> 01:15:57,120
Speaker 5: he always tells people that I get my attitude from

1645
01:15:57,160 --> 01:15:59,360
Speaker 5: my cats, and my cats get their attitude from me.

1646
01:15:59,560 --> 01:16:03,080
Speaker 5: So movie that's maybe that's something people would definitely not

1647
01:16:03,120 --> 01:16:05,000
Speaker 5: talk about because people just don't care, but.

1648
01:16:05,680 --> 01:16:08,680
Speaker 4: People definitely care. I have followed your pet journey and

1649
01:16:08,720 --> 01:16:11,600
Speaker 4: your little menagerie at home with a keen interest, a

1650
01:16:11,760 --> 01:16:12,639
Speaker 4: keen interest.

1651
01:16:12,720 --> 01:16:16,240
Speaker 5: It's going to turn into a farm. We bought our

1652
01:16:16,320 --> 01:16:19,320
Speaker 5: house in December, like at the start of December. It

1653
01:16:19,400 --> 01:16:21,920
Speaker 5: was absolutely well wind like we found it. It was

1654
01:16:21,960 --> 01:16:24,560
Speaker 5: like a two week settlement like it was yay and

1655
01:16:24,680 --> 01:16:27,920
Speaker 5: a like so quick. And my partner had always said,

1656
01:16:28,040 --> 01:16:30,200
Speaker 5: we can't have a dog until we own a property,

1657
01:16:30,479 --> 01:16:33,000
Speaker 5: and that was my motivation for getting a property. I

1658
01:16:33,080 --> 01:16:35,000
Speaker 5: was always like, all right, well I didn't want property

1659
01:16:35,080 --> 01:16:36,200
Speaker 5: until now, Well we're going to have to.

1660
01:16:36,160 --> 01:16:37,280
Speaker 3: Buy a house. I guess.

1661
01:16:38,600 --> 01:16:41,120
Speaker 5: Good priorities, And so I reached out to this breeder

1662
01:16:41,160 --> 01:16:43,320
Speaker 5: and one thing led to another and we ended up

1663
01:16:43,360 --> 01:16:46,320
Speaker 5: with Lucy two days before we moved into the property,

1664
01:16:46,880 --> 01:16:48,920
Speaker 5: and I was just like, all right, cool, so I've

1665
01:16:49,000 --> 01:16:51,200
Speaker 5: organized a puppy. And he was like, were we not

1666
01:16:51,240 --> 01:16:52,760
Speaker 5: going to move in and maybe talk about it? And

1667
01:16:52,800 --> 01:16:55,320
Speaker 5: I was like, ahh, like we are. We have a dog,

1668
01:16:55,400 --> 01:16:56,280
Speaker 5: We have a puppy.

1669
01:16:56,680 --> 01:16:57,639
Speaker 3: We are moving in.

1670
01:16:57,880 --> 01:17:01,720
Speaker 5: And I remember bringing her home because we'd secured her

1671
01:17:01,800 --> 01:17:03,719
Speaker 5: and she had to be She's from New South Wales

1672
01:17:03,720 --> 01:17:06,080
Speaker 5: and I live in Victoria, so she had to be driven.

1673
01:17:05,840 --> 01:17:08,200
Speaker 3: Down for us. Baby.

1674
01:17:08,320 --> 01:17:10,920
Speaker 5: Yeah, we went to pick her up and I didn't

1675
01:17:10,920 --> 01:17:12,840
Speaker 5: want to take her to our rental property, but we've

1676
01:17:12,880 --> 01:17:14,960
Speaker 5: just been given the keys to our actual property, and

1677
01:17:15,000 --> 01:17:17,040
Speaker 5: so Steve and I slept on a blow up bed

1678
01:17:17,320 --> 01:17:19,640
Speaker 5: in our new house with no other furniture in it

1679
01:17:19,680 --> 01:17:21,839
Speaker 5: because we wanted to have the dog in the new property.

1680
01:17:21,880 --> 01:17:23,800
Speaker 5: And I remember bringing her home and not having any

1681
01:17:23,800 --> 01:17:25,840
Speaker 5: furniture and just sitting on a dog bed in the

1682
01:17:25,840 --> 01:17:27,840
Speaker 5: middle of our new lounge room with this puppy, and

1683
01:17:27,880 --> 01:17:28,679
Speaker 5: I was just so happy.

1684
01:17:28,680 --> 01:17:30,680
Speaker 6: I cried because I was like, oh my god, all

1685
01:17:30,760 --> 01:17:34,840
Speaker 6: my dreams are coming true. Living this is slipping Like

1686
01:17:34,880 --> 01:17:37,200
Speaker 6: I've got this dog and I adore it, and like

1687
01:17:37,320 --> 01:17:40,479
Speaker 6: I guess, yeah, Like my life goals have never been

1688
01:17:40,640 --> 01:17:41,439
Speaker 6: around Korea.

1689
01:17:41,560 --> 01:17:44,879
Speaker 5: They're always around you know. I guess love and family

1690
01:17:45,080 --> 01:17:47,800
Speaker 5: and you know, hopefully one day creating a family of

1691
01:17:47,800 --> 01:17:51,040
Speaker 5: our own, but for now, our pet family. And yeah,

1692
01:17:51,080 --> 01:17:53,519
Speaker 5: I guess that's central to who I am and what

1693
01:17:53,640 --> 01:17:55,240
Speaker 5: I do. When you start to get to know me,

1694
01:17:55,240 --> 01:17:58,240
Speaker 5: you're really like, oh cool, So she actually doesn't care

1695
01:17:58,280 --> 01:18:01,280
Speaker 5: about any of these achievements. She's just proud that her

1696
01:18:01,280 --> 01:18:02,479
Speaker 5: dog can shake force.

1697
01:18:02,840 --> 01:18:07,799
Speaker 4: Like, I love that about you so much. Well, final question, lovely,

1698
01:18:07,960 --> 01:18:09,200
Speaker 4: what is your favorite quote?

1699
01:18:09,360 --> 01:18:11,080
Speaker 5: Oh my gosh, I already told you.

1700
01:18:11,160 --> 01:18:13,799
Speaker 3: Why did I Why did I ruin that so early?

1701
01:18:14,680 --> 01:18:16,800
Speaker 3: Because it was such a good one? Oh my gosh.

1702
01:18:16,880 --> 01:18:19,240
Speaker 5: Yeah, I'm actually going to reiterate that for you because

1703
01:18:19,280 --> 01:18:21,559
Speaker 5: I do think it's really important and it's helped me

1704
01:18:21,640 --> 01:18:23,439
Speaker 5: and I feel like it's one that we don't talk

1705
01:18:23,479 --> 01:18:25,760
Speaker 5: about enough, and that is that you will never be

1706
01:18:25,800 --> 01:18:28,120
Speaker 5: criticized by someone who is doing more than you. You

1707
01:18:28,160 --> 01:18:31,479
Speaker 5: will only ever be criticized by someone who is doing less.

1708
01:18:32,000 --> 01:18:34,800
Speaker 5: And I think that that is, I guess, a really

1709
01:18:34,800 --> 01:18:38,759
Speaker 5: good place to leave it, right, Like anyone can adhere

1710
01:18:38,800 --> 01:18:41,200
Speaker 5: to that, Like if anyone ever says anything bad about you,

1711
01:18:41,240 --> 01:18:44,439
Speaker 5: and my friends, like, I bet you, it's because they

1712
01:18:44,439 --> 01:18:47,200
Speaker 5: are not, you know, following in your footsteps or you know,

1713
01:18:47,280 --> 01:18:49,240
Speaker 5: being the person that you are. And it's hard in

1714
01:18:49,280 --> 01:18:52,519
Speaker 5: Australia because I feel like tall poppy syndrome is such

1715
01:18:53,040 --> 01:18:55,600
Speaker 5: a prevalent thing. And I'd heard about it, you know,

1716
01:18:55,640 --> 01:18:58,880
Speaker 5: and I'd spoken about it before, and obviously studying psychology,

1717
01:18:58,920 --> 01:18:59,880
Speaker 5: i'd been told about it.

1718
01:19:00,080 --> 01:19:01,920
Speaker 3: I just was like, no, that's not a thing.

1719
01:19:02,000 --> 01:19:04,559
Speaker 5: I've never been held back, and I absolutely haven't been

1720
01:19:04,600 --> 01:19:07,760
Speaker 5: held back. But my gosh, now I have what you

1721
01:19:07,880 --> 01:19:10,880
Speaker 5: definitely could call a profile in this space that people

1722
01:19:10,880 --> 01:19:12,600
Speaker 5: that don't want you to be successful.

1723
01:19:12,960 --> 01:19:14,799
Speaker 3: They're loud, they're loud.

1724
01:19:14,600 --> 01:19:17,360
Speaker 5: And they can make you feel like crap so easily.

1725
01:19:17,680 --> 01:19:19,960
Speaker 5: And I think that a quote like that just really

1726
01:19:20,080 --> 01:19:21,760
Speaker 5: helps you remember what's important.

1727
01:19:21,960 --> 01:19:22,680
Speaker 3: Absolutely.

1728
01:19:23,280 --> 01:19:28,360
Speaker 4: Unfortunately, you have a community, a very engaged and increasingly

1729
01:19:28,560 --> 01:19:32,439
Speaker 4: expanding all over the world community who absolutely endure you.

1730
01:19:32,760 --> 01:19:36,360
Speaker 4: And I have only the best thing to say about you.

1731
01:19:36,479 --> 01:19:38,599
Speaker 4: And she's on the money and the new book and

1732
01:19:38,720 --> 01:19:41,240
Speaker 4: everything you do. It's just been a privilege to be.

1733
01:19:42,040 --> 01:19:44,400
Speaker 3: Alongside and to be able to work so kind.

1734
01:19:44,920 --> 01:19:47,680
Speaker 4: I can't Oh my god, I don't even have words like,

1735
01:19:47,680 --> 01:19:50,880
Speaker 4: I have no language. It's just you are really shaking

1736
01:19:50,960 --> 01:19:53,320
Speaker 4: up a really really important part of our lives that

1737
01:19:53,479 --> 01:19:56,960
Speaker 4: is obviously having such a huge impact for everyone. So congratulations,

1738
01:19:57,080 --> 01:19:58,160
Speaker 4: Well thank you Sarah.

1739
01:19:58,200 --> 01:20:01,280
Speaker 5: That is honestly, I should when your podcasts more often

1740
01:20:01,320 --> 01:20:05,480
Speaker 5: because a part like I just need someone to complementary

1741
01:20:05,520 --> 01:20:06,240
Speaker 5: as you are.

1742
01:20:07,720 --> 01:20:08,280
Speaker 3: Anytime.

1743
01:20:08,360 --> 01:20:12,840
Speaker 4: Honestly, you are just such a wonderful, wonderful romodef all

1744
01:20:12,840 --> 01:20:14,120
Speaker 4: of us.

1745
01:20:13,240 --> 01:20:17,040
Speaker 5: Oh, well, thank you for having me. I'm genuinely so grateful.

1746
01:20:25,200 --> 01:20:28,960
Speaker 2: Hi, it's Tony again. I hope they absolutely loved that podcast.

1747
01:20:29,280 --> 01:20:31,760
Speaker 2: And just to give Sarah a little shout out, you

1748
01:20:31,840 --> 01:20:36,160
Speaker 2: can find her at Spoonful Underscore of Underscore Sarah on Instagram,

1749
01:20:36,560 --> 01:20:39,479
Speaker 2: or you can follow Seze the AA at c's Underscore

1750
01:20:39,520 --> 01:20:42,519
Speaker 2: the Underscore Yay on Instagram as well. Make sure you

1751
01:20:42,560 --> 01:20:44,840
Speaker 2: go and check out her podcast because it's amazing. She

1752
01:20:44,960 --> 01:20:48,920
Speaker 2: posts awesome interviews all the time with heaps of different people,

1753
01:20:48,960 --> 01:20:51,639
Speaker 2: So I promise you it's time well spent after you've

1754
01:20:51,640 --> 01:20:54,160
Speaker 2: listened to she's on the money, of course. But before

1755
01:20:54,200 --> 01:20:56,599
Speaker 2: I head off, I'd like to acknowledge and pay respect

1756
01:20:56,640 --> 01:21:00,800
Speaker 2: to Australia's Aboriginal and Torres Straight Islander People's the traditional

1757
01:21:00,840 --> 01:21:04,040
Speaker 2: custodians of the lands, the waterways and the skies all

1758
01:21:04,080 --> 01:21:07,280
Speaker 2: across Australia. We thank you for sharing and for caring

1759
01:21:07,280 --> 01:21:09,240
Speaker 2: for the land on which we are able to learn.

1760
01:21:09,640 --> 01:21:12,240
Speaker 2: We pay our respects to elders past and present, and

1761
01:21:12,360 --> 01:21:15,760
Speaker 2: share our friendship and our kindness. The advice shared on

1762
01:21:15,840 --> 01:21:18,120
Speaker 2: She's on the Money is generally nature and does not

1763
01:21:18,240 --> 01:21:22,160
Speaker 2: consider your individual circumstances. She's on the Money exists purely

1764
01:21:22,200 --> 01:21:24,800
Speaker 2: for educational purposes and should not be relied upon to

1765
01:21:24,840 --> 01:21:28,600
Speaker 2: make an investment or financial decision. And Victoria Devine is

1766
01:21:28,640 --> 01:21:32,599
Speaker 2: an authorized representative of Australia Pacific Funds Management for Prietary

1767
01:21:32,640 --> 01:21:35,400
Speaker 2: Limited ABM three four one three two four six three

1768
01:21:35,439 --> 01:21:38,559
Speaker 2: two five seven AFS L three three nine one five

1769
01:21:38,680 --> 01:21:41,240
Speaker 2: one and you can follow all of us at She's

1770
01:21:41,320 --> 01:21:43,920
Speaker 2: on the Money a US and if you haven't already,

1771
01:21:44,000 --> 01:21:46,120
Speaker 2: make sure you jump straight into our Facebook group by

1772
01:21:46,120 --> 01:21:57,960
Speaker 2: searching She's on the Money AUS on Facebook. Love You