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

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

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Speaker 1: Kaka yah y and beIN Ahaka Nian Our gay In Mbini,

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Speaker 1: yakarum Jar Dominyamiga Umagahawaka Woman Damon Imlan Bumba ban Gadabomba

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Speaker 1: in and now in wakah Ghana on yak rum Jar Waternata. Hello,

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

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

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

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

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

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Speaker 1: knowledge and resources for you to thrive.

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Speaker 2: She's on the Money.

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Speaker 3: She's on the Money.

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

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Speaker 2: that makes personal finance fun, especially in twenty twenty six.

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Speaker 2: I'm Victoria Devine and with me are two of the

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Speaker 2: most fabulous people in the entire world to talk about

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Speaker 2: money with Miss Jess Grici and Miss Becksayes, And obviously

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Speaker 2: it's the most fun Friday of the year. It's our

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Speaker 2: very first episode of twenty twenty six. Happy New Year, Friend,

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Speaker 2: Happy Year, guys. Crazy.

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Speaker 4: Yeah.

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Speaker 2: Now we have to write twenty twenty six on things.

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Speaker 5: God, I've been preemptively doing it for like three months,

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Speaker 5: like all over the end of last year, I kept

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Speaker 5: just writing twenty twenty six on things.

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Speaker 2: Well, didn't wish your life away? You know, Literally, I'm

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Speaker 2: living in the past because like my issue was not

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Speaker 2: that it was writing four on things. Yeah, I'm the same,

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Speaker 2: I'm just stuck in the past. Anyway, We're going to

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Speaker 2: be diving headfirst into New Year's energy this year with

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Speaker 2: this episode, and we're going to be doing things a

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Speaker 2: little bit differently.

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Speaker 4: I know.

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Speaker 2: I shook it up last time because we had our

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Speaker 2: Christmas episode or our like you know, Boxing Day episode, whatever,

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Speaker 2: we want to call it, last one of the year. Yeah,

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Speaker 2: last one of you. And then this is the first

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Speaker 2: one of the year. And I feel like they have

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Speaker 2: to be different, right, They can't be the same stock

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Speaker 2: standard thing that we do each and every year. And

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Speaker 2: this week we asked our community to very important and

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Speaker 2: two very big questions. We asked, what was your biggest

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Speaker 2: money learning last year, and what was the small change

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Speaker 2: you made that had the biggest impact on your finances?

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Speaker 2: So I thought that later in the show we would

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Speaker 2: share those instead of our usual like money wins and

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Speaker 2: broke tips, so that we can all take like inspiration

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Speaker 2: from each other, because is that not what community is about?

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Speaker 2: Absolutely exactly. We'll also always we're not skipping a money dilemma.

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Speaker 2: We like the juicy stuff, so we're going to be

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Speaker 2: helping to answer a money dilemma. That's all about being

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Speaker 2: overwhelmed about where to start when it comes to getting

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Speaker 2: your finances on track and something that you slid into

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Speaker 2: our Dmso what do you do when you realize your

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Speaker 2: friends are kind of toxic when it comes to money

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Speaker 2: and maybe you've outgrown them? How do you deal with that? Oh,

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Speaker 2: trick you on, I've outgrown friends. I feel like I

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Speaker 2: have some advice on this, and I don't know about you,

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Speaker 2: but this is honestly one of my favorite times of

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Speaker 2: the year. And it's honestly not because everyone needs to

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Speaker 2: drastically change because the calendar flipped over to a new year,

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Speaker 2: like it's not a new year, new me vibe, like

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Speaker 2: we don't do that. You could change at any point

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Speaker 2: in time. But I feel like there's like lots of

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Speaker 2: hope and inspiration in the air, Like we're all talking

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Speaker 2: about fresh starts and new beginnings, and everyone seems so

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Speaker 2: much more open to embracing change when the calendar flips.

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Speaker 3: I love it. I love a new union.

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Speaker 2: I know I want to be like you can change

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Speaker 2: any time. But also like there's just like extra winds,

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Speaker 2: like the pep in your step, and I feel like

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Speaker 2: we should make the most of it. And I feel

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Speaker 2: like people are happy to start doing the work that

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Speaker 2: is going to put themselves in a better position than

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Speaker 2: they were the year before, and we should capitalize on that.

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Speaker 2: We do financially, but also for you guy, financially, we

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Speaker 2: should be like pumping the content that puts you in

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Speaker 2: a position that is the best position of your life.

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Speaker 2: So because of that, we know that we get And

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Speaker 2: this is like one of my favorite things ever. If

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Speaker 2: you look at the She's on the Money podcast listeners,

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Speaker 2: every year, our biggest spike in listeners is January, and

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Speaker 2: the reason for that is people are ready to change,

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Speaker 2: and we get a whole heap of new friends joining

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Speaker 2: the show. So if you're new here, Ah, welcome to

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Speaker 2: the club. Welcome next to me, Welcome, we love you,

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Speaker 2: we cannot wait to show you what we are all about.

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Speaker 2: And also welcome to what we sometimes deem a little

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Speaker 2: bit of a cult.

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Speaker 3: I'm ready to have you in it.

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Speaker 2: You're in, or maybe you've rejoined us, maybe you haven't

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Speaker 2: listened in a while and you've just decided, you know

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Speaker 2: what I need to get back on track. I'm going

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Speaker 2: to jump back into She's on the Money, which is

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Speaker 2: what we see a lot. Welcome back, my friends, come back.

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Speaker 2: Come because you like exactly, we don't mind. Doors always open.

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Speaker 2: Welcome back, and know that you are always welcome in

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Speaker 2: the She's on the Money community. So I wanted to

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Speaker 2: start this show off by asking everyone what do you want?

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Speaker 2: And everyone, I mean you Beck and you Jess. There's

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Speaker 2: so many people. What do you want our new listeners

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Speaker 2: to know about Cheese on the Money or even just

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Speaker 2: remind our existing very loyal community.

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Speaker 3: About we have so many fantastic free resources. I feel

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Speaker 3: like free stuff.

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Speaker 5: Over the years, the team have really built up so

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Speaker 5: many you We've got budget templates, we've got the savings hacks.

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Speaker 3: We've got you need it, we got it. Maybe like

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Speaker 3: that's what I'm gonna say.

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Speaker 5: And we actually just put up a blog post yesterday

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Speaker 5: with a bunch of links to all the different things.

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Speaker 5: So if you are going TLDR, don't want to scroll

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Speaker 5: to find the best stuff, we've done it for you.

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Speaker 4: Yeah.

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Speaker 2: Maybe we've hand picked it.

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Speaker 5: Yeah, maybe I'm public in the show notes, so you

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Speaker 5: can go have a look at that. But there is

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Speaker 5: just so much good stuff there. We spend a lot

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Speaker 5: of time working on our designed here are incredible, and

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Speaker 5: I think that there's something for literally everyone, no matter

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Speaker 5: what your goal is for the year, We've got a

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Speaker 5: resource that will help you.

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Speaker 2: Yeah. Absolutely, there's so many of them on our website

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Speaker 2: that are free. Like, yes, when we redid our website,

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Speaker 2: so we rebranded halfway through last year, just as context

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Speaker 2: for people who might be new, Like if you're like, oh,

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Speaker 2: I think I've heard of this show, but it looks different,

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Speaker 2: we do. We've had a bit of a glow up.

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Speaker 2: We finally could afford a rebrand or her. But we're

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Speaker 2: going through that, and I was like, go, what the hell, Like,

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Speaker 2: there are savings trackers, there are budget templates, there are

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Speaker 2: links to so many different free things, and I actually

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Speaker 2: didn't realize how out of control it had gotten because

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Speaker 2: I'm like, oh, well, just and I say this all

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Speaker 2: the time on the show, We'll just make this and

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Speaker 2: pop it on the website, and then our whole team,

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Speaker 2: like Victoria, stop promising things because we actually have to

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Speaker 2: then put them on the internet. But Beck, what do

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Speaker 2: you think is something that you really want our existing

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Speaker 2: community that we know and love but also new friends

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Speaker 2: to know about. She's on the money.

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Speaker 3: I feel like I said something similar before, but I

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Speaker 3: think that it is really helpful to know that. I

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Speaker 3: don't think it matters where you are in your journey

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Speaker 3: and who you are and what your background is, whether

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Speaker 3: there are parts of your identity that make making money harder,

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Speaker 3: or you are in a better position, or you've kind

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Speaker 3: of started life in a better position. It doesn't matter

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Speaker 3: where you're coming from. This community is for you, and

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Speaker 3: it can be very hard to kind of get out

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Speaker 3: of that mindset of being like, my situation is different,

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Speaker 3: my situation is harder. If you take all the information

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Speaker 3: that is available to you, you can tailor it to

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Speaker 3: your own specific needs. So everyone's welcomed here and you

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Speaker 3: will find things that are helpful no matter no matter

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Speaker 3: who you are yeah, oh, thank you as the episode there,

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Speaker 3: Actually that's what we do.

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Speaker 2: Mine's not as good as that. That's really wholesome.

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Speaker 3: Thank you such a way.

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Speaker 2: Oh my goodness, thank you guys. I was kind of

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Speaker 2: all thank you for that from me, like, yes, the

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Speaker 2: community that we built together, true, we obsessed. All right,

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Speaker 2: Well mine's not as exciting, but it's also very exciting.

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Speaker 2: So my like thing that I want you guys to

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Speaker 2: know about is the summer series that I've just put together.

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Speaker 2: So one thing I adore about making money content is

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Speaker 2: that the foundations are always exactly the same. And I

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Speaker 2: don't know if you have been tracking these, beck you

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Speaker 2: probably haven't because you just couldn't care less. You just

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Speaker 2: come here to yap and have a really good time.

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Speaker 2: But we have nearly a thousand episodes. If she's on

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Speaker 2: the money, that's insane.

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Speaker 3: Mind bubbling one.

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Speaker 2: Thousand, isn't that insane? Yeah, it's a lot of talking,

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Speaker 2: and we're actually going to hit that milestone this year.

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Speaker 2: So I've worked out when we're going to hit it,

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Speaker 2: and there will be celebrations. Yeah, we will have a party.

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Speaker 2: I don't know, but we will have a thousandth something party.

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Speaker 2: And if you scroll back to our very first episode,

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Speaker 2: which might take you a little bit of time now apologies,

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Speaker 2: you'll get something out of it. So this January, we

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Speaker 2: are going to do something really different. I think a

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Speaker 2: lot of people really want to start at the start,

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Speaker 2: but that can be overwhelming with so many episodes floating around.

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Speaker 2: So this is something that I'm calling our summer starter series,

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Speaker 2: and I've gone back through our entire archive and I've

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Speaker 2: found our best episodes for those of you who really

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Speaker 2: want to start the year the right way. But when

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Speaker 2: you look at the shees on the Money catalog, you're like,

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Speaker 2: that's so overwhelming. There's so much Where do I even start?

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Speaker 2: Which is a very valid question. So the first one

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Speaker 2: drops tomorrow and it's a good one and the perfect

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Speaker 2: first week of the year episode. So if you are

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Speaker 2: new again, shameless, but like, can you please hit subscribe

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Speaker 2: so that it pops up in your feed tomorrow and

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Speaker 2: that you can have your finger on the pulse. And

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Speaker 2: I would say it's the perfect thing for your twenty

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Speaker 2: twenty six money resolutions. Also resolutions, do you guys set them?

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Speaker 2: Are we setting resolutions this year?

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Speaker 3: Are we doing that?

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Speaker 2: Are we changing things? Are we putting new rules in place.

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Speaker 2: I don't know loosely.

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Speaker 3: I think it's more like I write a letter to

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Speaker 3: myself on things that I want to maintain.

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Speaker 2: Do you actually I do. I write myself and you

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Speaker 2: just become more and more my favorite person time. Every

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Speaker 2: time you talk, I'm like, look how cute she is? Though,

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Speaker 2: Oh my god, Okay, this year is really a good start.

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Speaker 2: It's a really good start.

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Speaker 4: Thank you.

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Speaker 3: It's incredible. I do write a letter to myself. I write,

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Speaker 3: like where I'm sitting, I'll explain the situation, what I'm feeling,

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Speaker 3: what I want to maintain. It's all just very like

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Speaker 3: low not like not not hard to achieve, but it

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Speaker 3: is just my mentality and what I want to feel

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Speaker 3: emotionally at the end of the year.

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Speaker 2: Do you know what I mean?

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Speaker 3: Yes, that's kind of what it is. What's on the list?

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Speaker 3: Oh yes, she's like no private by that's okay if

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Speaker 3: it is knowing not at all. I just like, you know,

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Speaker 3: I want to like maintain connections with friends, and I

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Speaker 3: want to like build new connections with new friends or

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Speaker 3: strengthen old ones or whatever. And then if I'm right

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Speaker 3: now feeling really happy or if I'm not, I would

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Speaker 3: like to feel super happy, super content, super proud of myself.

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Speaker 3: Whatever that looks like, go to the gym, because that

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Speaker 3: will equate to like me feeling good about myself, you know.

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Speaker 3: I think it's more about like feeling I want to

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Speaker 3: be feeling, so just that kind of thing. Yeah, that's

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Speaker 3: so good. So I suppose they are resolutions. Yeah, but

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Speaker 3: you can call what if you want in like a

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Speaker 3: round about way. I call my goals like goals.

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Speaker 5: Not that it's any different really, but I always have

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Speaker 5: like a list of goals and I don't want to

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Speaker 5: work towards and I think.

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Speaker 2: A lot of the guys just just brought up her

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Speaker 2: notes section on her phone.

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Speaker 3: Yes, that's really sweet. I'm a visual person.

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Speaker 5: I think like a lot of my goals for this

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Speaker 5: year will carry over from last year because they were

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Speaker 5: like really good and like some of them I made

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Speaker 5: some of them I didn't, and that's totally okay. I

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Speaker 5: think a lot of the ones that I want to

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Speaker 5: really focus on are related to like health and balance

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Speaker 5: and stuff. I think I'm someone who gets so caught

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Speaker 5: up in the things that I'm doing that I don't

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Speaker 5: always make time for the important stuff. So like hit

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Speaker 5: my ten k steps a day, or you know, I

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Speaker 5: want to go to at least two pilates classes a week.

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Speaker 5: This one I failed at so badly last year. Single

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Speaker 5: digit screen time because my screen time is horrifically embarrassing.

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Speaker 2: Work for a social media company. I appreciate that that's

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Speaker 2: on you imagine Kiar as social media time, I would

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Speaker 2: be through the roofs.

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Speaker 5: Yeah, Like things like that that are You're just little

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Speaker 5: reminders for myself, like, oh, if you don't meet it,

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Speaker 5: it's not the end of the world. And I really

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Speaker 5: try not to set goals that I don't think achievable,

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Speaker 5: but just things that are I think that would help

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Speaker 5: me to improve how I feel day to day.

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Speaker 2: Yeah, how about you. I love that. I don't know,

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Speaker 2: I haven't written down a list of goals. I want

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Speaker 2: to do, not more, but I want to do better

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Speaker 2: at the stuff that we already do, so go deeper

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Speaker 2: on that. So like I want to do more investing content,

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Speaker 2: but I want to go deeper, Like I'm not going

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Speaker 2: to like start a new podcast, but does that make sense?

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Speaker 2: So I want to do what we're doing well now,

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Speaker 2: but like take it to the next level and do better.

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Speaker 2: I think from a professional perspective. I have been thinking

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Speaker 2: about this for a really long time, and I don't

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Speaker 2: know if I want to verbalize it because I feel

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Speaker 2: like it puts you you or me in a place

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Speaker 2: where I now have to back it up. But it's

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Speaker 2: a conversation I've been having, probably for the last eighteen

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Speaker 2: months with my husband, with our team on and off.

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Speaker 2: I really want to do a PhD. I really want

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Speaker 2: to go back to university. I don't know how I'm

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Speaker 2: going to manage that, but we just have this epic

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Speaker 2: community here and she's on the money that give us

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Speaker 2: so much data and so much information, and I'm just

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Speaker 2: really hoping that I could potentially build Australia's largest long

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Speaker 2: term study on women and money and to have this

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Speaker 2: epic resource that is so gritty and so helpful and

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Speaker 2: can be used in so many different ways, one for

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Speaker 2: my PhD and the thesis that I would write, but

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Speaker 2: to like that type of research would drive real lasting

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Speaker 2: change and be really really powerful. And I've been thinking

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Speaker 2: about it for so long and being in the position

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Speaker 2: that I'm in, I'm able to do a PhD and

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Speaker 2: be completely self funded, and I just think that would

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Speaker 2: be really really cool. That's really cool. So I guess

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Speaker 2: that's a personal and professional. Also, when I finish it,

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Speaker 2: I could call myself doctor Dede. I think it's really cool.

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Speaker 2: Like if anyone on an aeroplane goes we need a doctor,

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Speaker 2: I won't be the one, but like you know, I

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Speaker 2: feel like having your mail with doctor at the start.

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Speaker 2: That's what go cool. Financially, it's just consistency, like I'll

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Speaker 2: keep up my automated investments. I'll just keep things tracking along.

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Speaker 2: I would say I want to budget better, but like

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Speaker 2: I'm pretty good at that now, but I always want

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Speaker 2: to have my finger on the pulse with that so that,

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Speaker 2: like you know, lifestyle creep doesn't get too far out

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Speaker 2: of control. And then I guess personally, like I just

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Speaker 2: like Jess, I want to keep my body strong. I

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Speaker 2: want to be more consistent, and do you know what,

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Speaker 2: I'd really love to grow in my family, Like I

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Speaker 2: really love another little Harvey. So we'll see where that

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Speaker 2: takes us. Beautiful, but now away from us and back

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Speaker 2: into our community and our listeners. This is the part

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Speaker 2: of the episode where we usually share our community money

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Speaker 2: wins and confessions, and then Bex broke tips. But in

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Speaker 2: keeping with the new year's energy. For this episode, we

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Speaker 2: asked for your biggest financial learnings from the last year

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Speaker 2: and the small changes that you made that made the

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Speaker 2: biggest impact to your finances. Jess has a list I

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Speaker 2: should do. What were the community's biggest money learnings from

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Speaker 2: this year.

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Speaker 5: There's many good ones, starting off with Marina, who said

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Speaker 5: spending more on groceries that she actually wanted to eat

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Speaker 5: and liked dramatically reduced the overall food spending because she's

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Speaker 5: less likely to get takeaway that's or by lunches at

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Speaker 5: work or out to the shops for snacks and treats.

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Speaker 5: She said she estimates that she saved around three thousand

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Speaker 5: dollars in last year alone.

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Speaker 3: What that's a great But.

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Speaker 2: Also that is a fantastic tip because they're always talking

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Speaker 2: about like bringing our groceries budget down, not up. But

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Speaker 2: if you brought it up and it's full of stuff

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Speaker 2: that you really like eating, you're not like, oh oh

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Speaker 2: uber eats the pizza.

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Speaker 3: You like absolutelyster in the fridge.

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Speaker 2: And yes it was like the fancy like rigatoni or

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Speaker 2: whatever that you brought from the fresh section, but like

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Speaker 2: that's way cheaper. Yes, yes, very very that's smart. I

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Speaker 2: love it.

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Speaker 5: Next Sarah said that time in the market is better

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Speaker 5: than time out of the market. Slow and steady investments work.

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Speaker 5: That is exactly what you learned.

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Speaker 2: Okay, Sarah, you are She's on the Money Integrated member.

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Speaker 5: On the same page, Indigo Beautiful Name shared her investing

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Speaker 5: learning as well, and she said that regular investing, even

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Speaker 5: five dollars a fortnight, helps her to feel more confident

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Speaker 5: about her financial future.

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Speaker 2: I con cregiate it brilliant.

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Speaker 5: Next Beack Excellent Name said getting clear on your money

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Speaker 5: values is so important because when you spend in line

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Speaker 5: with your values, rather than just trying to cut everything out,

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Speaker 5: everything just becomes easier. Adore gorgeous Rihanna said working on

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Speaker 5: her mental health means working on her money.

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Speaker 3: Yes, a man say it louder.

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Speaker 5: She said she's saved so much money this year because

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Speaker 5: she's in a better place mentally and emotionally and doesn't

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Speaker 5: feel the need to rely on her unhealthy coping mechanism

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Speaker 5: of online shopping. She still buys clothes online, but now

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Speaker 5: it's a conscious decision rather than a blind impulse.

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Speaker 2: The door and the tie between mental health and money

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Speaker 2: is insane, very strong.

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Speaker 5: Absolutely, and then lastly, Pippett said, finding communities where I

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Speaker 5: feel safe and understood has helped me to grow so

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Speaker 5: much as a person. Spaces like SATM, fire and neurodivergent

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Speaker 5: communities have made me happier and opened me up to

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Speaker 5: the new ideas and opportunities I never would have considered before.

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Speaker 2: Oh beautiful, yes, adore all right, I feel like that

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Speaker 2: is a very good wrap. Chess over to you, Beck,

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Speaker 2: What small changes did our community make last year that

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Speaker 2: made a big impact on their finances?

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Speaker 3: So well, thank you for asking. I do have a

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Speaker 3: few here, so Indigo said. Instead of directing what I

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Speaker 3: had left over to debt, I prioritized putting twenty percent

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Speaker 3: of my income to it non negotiable and then did

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Speaker 3: my budget off the rest I ended up paying off

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Speaker 3: debt I thought was insurmountable.

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Speaker 2: That's a good word.

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Speaker 3: That is a good one, and that is a good strategy,

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Speaker 3: and it's a good strategy that love then be this

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Speaker 3: is a great name, Beck and.

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Speaker 2: An Indigo twice.

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Speaker 3: Now a lot of Beck's in the new year, and

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Speaker 3: the Indigos turns out, so reaching out to Zella, finding

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Speaker 3: out that I can actually afford to buy and putting

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Speaker 3: a plan in place to buy my first home next year.

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Speaker 2: That's a good idea. You should definitely reach out to

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Speaker 2: Zeller if you want to buy in the next twelve months.

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Speaker 2: We've got your back absolutely well. So thanks for picking

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Speaker 2: that one, just a little stroke for me. Yeah, for

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Speaker 2: those of you playing along who might be new here,

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Speaker 2: we're excited about that because I own a mortgage broking

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Speaker 2: business called Zella and we just love getting first home

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Speaker 2: buyers into the market. It's literally our passion and what

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Speaker 2: we work so hard for. So in the background, guys,

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Speaker 2: I'm actually allegit financial yeah crazy, and that you.

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Speaker 3: Wouldn't believe it.

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Speaker 2: I don't.

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Speaker 3: The sext one comes from Sarah, who says automating direct

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Speaker 3: debit to investments so I no longer have to decide. Yeah,

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Speaker 3: it's I.

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Speaker 2: Feel like vituralist. This paralysis happens.

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Speaker 3: Then agreed, agreed, agreed. Next one comes from Ilana, who says,

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Speaker 3: set up proper auto payments for every single one of

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Speaker 3: my bills like my rates, electricity, and water with sufficient

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Speaker 3: amounts has meant I now actually pay my bills before

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Speaker 3: they occur, and the most day, oh when I get

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Speaker 3: the bill is a couple dollars it's been life changing.

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Speaker 3: Knowing I'm covered all the time. That is so free,

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Speaker 3: That is so freeing. If you do have that little

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Speaker 3: bit of extra money, then it's a great idea. This

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Speaker 3: last one is from Sarah, who says she's added asking

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Speaker 3: herself if it's a want or a need and leaving

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Speaker 3: things in her cart for forty eight hours, which is

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Speaker 3: very Victoria di Vine double our recommended window, well done,

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Speaker 3: double it. I love it.

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Speaker 4: I love it.

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Speaker 2: I feel like that's why at the start I said

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Speaker 2: it's a little bit of a cult. You're not running

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Speaker 2: a proper cult because we haven't worked out how to

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Speaker 2: get you guys in and do all the trappy part.

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Speaker 2: But like you will find that the terms that we use,

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Speaker 2: the references that are U, they just kind of slip

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Speaker 2: into your daily life. And that's what we want.

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Speaker 5: Leave a comment if you're listening on Spotify, and tell

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Speaker 5: us what your favorite catchphrase that we say all the

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Speaker 5: time is.

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Speaker 2: Because so many so attached a funny way, I will

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Speaker 2: hear you. All Right, let's go to a really quick

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Speaker 2: break and when we come back, we'll be helping to

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Speaker 2: addser money dilemma. That's all about being overwhelmed about where

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Speaker 2: to start when you need to get your finances on

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Speaker 2: track and something you slid into Our dms about what

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Speaker 2: do you do when you realize your friends are kind

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Speaker 2: of toxic when it comes to money.

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Speaker 3: Welcome back, everybody. Let's take a listen to this week's

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Speaker 3: money dilemma.

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Speaker 2: Hi, there, have you got a money dilemma you just

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Speaker 2: can't solve? The She's on the Money team is here

437
00:20:14,800 --> 00:20:18,040
Speaker 2: to help. Every week, we tackle your dilemmas, both big

438
00:20:18,080 --> 00:20:20,760
Speaker 2: and small, to answer your most burning money, career and

439
00:20:20,880 --> 00:20:21,680
Speaker 2: life questions.

440
00:20:21,920 --> 00:20:24,400
Speaker 6: To get involved, simply head to our website and leave

441
00:20:24,480 --> 00:20:26,600
Speaker 6: us a short voice recording and you might just find

442
00:20:26,640 --> 00:20:27,520
Speaker 6: yourself on the show.

443
00:20:27,960 --> 00:20:30,560
Speaker 2: Now, let's take a listen to this week's money dilemma.

444
00:20:33,160 --> 00:20:37,240
Speaker 4: Hey, Victoria and the team. I'm just switching out because

445
00:20:37,600 --> 00:20:40,360
Speaker 4: I have a bit of a money dilemma. It's kind

446
00:20:40,400 --> 00:20:45,600
Speaker 4: of a big one. I've just separated from my partner.

447
00:20:45,680 --> 00:20:49,639
Speaker 4: We've been married for eighteen years, we have two beautiful kids,

448
00:20:50,160 --> 00:20:55,040
Speaker 4: and we're just starting to like get the divorce sorted.

449
00:20:55,560 --> 00:20:59,159
Speaker 4: But he has managed our finances for the past eighteen years,

450
00:20:59,720 --> 00:21:04,280
Speaker 4: and I am now having to manage my own and

451
00:21:04,359 --> 00:21:07,480
Speaker 4: I have no clue what I'm doing. I've managed to

452
00:21:07,600 --> 00:21:12,560
Speaker 4: say a little bit and I've tried to do a budget,

453
00:21:12,720 --> 00:21:16,120
Speaker 4: but I just can't seem to stick to it. And yeah,

454
00:21:16,240 --> 00:21:19,399
Speaker 4: I really need some guidance. I know you've got an

455
00:21:19,400 --> 00:21:23,320
Speaker 4: amazing podcast. I've listened to a bunch of those episodes,

456
00:21:23,440 --> 00:21:26,320
Speaker 4: but it's a bit overwhelming. I don't really know where

457
00:21:26,400 --> 00:21:29,000
Speaker 4: to start other than going back and listening to every

458
00:21:29,040 --> 00:21:32,760
Speaker 4: single podcast. I am time poor though, because I am

459
00:21:33,080 --> 00:21:37,600
Speaker 4: studying and working three jobs, and I would just love

460
00:21:37,840 --> 00:21:42,159
Speaker 4: some advice. So yes, I saw that you've got a

461
00:21:42,240 --> 00:21:45,400
Speaker 4: course as well, So I don't know. Maybe that's where

462
00:21:45,440 --> 00:21:47,320
Speaker 4: I should start, but yeah, you could let me know.

463
00:21:47,960 --> 00:21:49,760
Speaker 2: Am I allowed to jump in first? Of course? I

464
00:21:50,359 --> 00:21:53,680
Speaker 2: feel very passionate about this because I feel like you're

465
00:21:53,720 --> 00:21:55,640
Speaker 2: doing all of the right things, all of the things

466
00:21:55,680 --> 00:21:57,760
Speaker 2: that we suggest. We do have a podcast, we do

467
00:21:57,880 --> 00:22:00,240
Speaker 2: have rebudgeting tips and tricks, but you actually need to

468
00:22:00,280 --> 00:22:03,120
Speaker 2: zoom out, put us to the side, completely, sit down,

469
00:22:03,200 --> 00:22:05,400
Speaker 2: what do you want? I feel like there were lots

470
00:22:05,440 --> 00:22:08,120
Speaker 2: of and this is not criticism, but there was lots

471
00:22:08,160 --> 00:22:10,639
Speaker 2: of I don't know what I want, I don't know

472
00:22:10,680 --> 00:22:13,119
Speaker 2: where I'm starting, and that's telling me that you are

473
00:22:13,200 --> 00:22:15,680
Speaker 2: lacking clarity. What are your life goals? What do you

474
00:22:15,720 --> 00:22:17,639
Speaker 2: want to achieve? Is that financial freedom?

475
00:22:17,800 --> 00:22:17,960
Speaker 1: Is it?

476
00:22:18,240 --> 00:22:20,320
Speaker 2: You know, paying off debt? Like there was a lot

477
00:22:20,359 --> 00:22:21,560
Speaker 2: of things that I was like, Oh, I want to

478
00:22:21,640 --> 00:22:23,320
Speaker 2: dive into that and get more clarity on this. But

479
00:22:23,400 --> 00:22:26,360
Speaker 2: it really feels like you're lacking a bit of clarity

480
00:22:26,440 --> 00:22:28,399
Speaker 2: in your life. How can you stick to a budget

481
00:22:28,400 --> 00:22:31,000
Speaker 2: when you've got no motivation to do so? Like, what's

482
00:22:31,040 --> 00:22:32,879
Speaker 2: the point in sticking to a budget when you just

483
00:22:32,880 --> 00:22:34,359
Speaker 2: don't even know why you're doing it? You're like, oh,

484
00:22:34,720 --> 00:22:36,240
Speaker 2: I kind of know that I should be doing this.

485
00:22:36,280 --> 00:22:38,840
Speaker 2: It's like I want to get my stuff together. You're

486
00:22:38,920 --> 00:22:42,080
Speaker 2: clearly a hustler. You work three jobs and you're studying

487
00:22:42,240 --> 00:22:45,560
Speaker 2: queen what Like, I just think, sit down with yourself

488
00:22:45,600 --> 00:22:47,520
Speaker 2: and have a good hard chap, Like, ask yourself the

489
00:22:47,600 --> 00:22:50,359
Speaker 2: question why do I want to budget? Like answer that

490
00:22:50,440 --> 00:22:53,000
Speaker 2: it's going to be different for everybody. I think it's

491
00:22:53,040 --> 00:22:55,960
Speaker 2: about this personal clarification and then we can come in

492
00:22:56,080 --> 00:22:58,000
Speaker 2: with the tools and the resources to help you get there.

493
00:22:58,320 --> 00:22:59,600
Speaker 2: But you're the one that needs to show up with

494
00:22:59,640 --> 00:23:02,040
Speaker 2: the motive and the understanding of why you want to

495
00:23:02,080 --> 00:23:04,840
Speaker 2: make change, of why you want to be in this position.

496
00:23:04,960 --> 00:23:07,399
Speaker 2: Why do you want to create wealth? Why do you

497
00:23:07,520 --> 00:23:09,800
Speaker 2: want to budget? Why do you want to understand your

498
00:23:09,880 --> 00:23:12,360
Speaker 2: cash flow? Why the hell would you care about your superannuation?

499
00:23:12,760 --> 00:23:14,440
Speaker 2: And it might all come back to, Okay, I really

500
00:23:14,480 --> 00:23:16,000
Speaker 2: want to set myself up for the future, or you

501
00:23:16,080 --> 00:23:17,879
Speaker 2: might say I really want to when I you know,

502
00:23:17,960 --> 00:23:19,760
Speaker 2: am finished? You need buy a house? What does that

503
00:23:19,880 --> 00:23:22,080
Speaker 2: look like? Or I want to be able to travel like.

504
00:23:22,160 --> 00:23:26,240
Speaker 2: Everyone's going to have different motivations, But baby cakes, what's yours?

505
00:23:26,440 --> 00:23:26,480
Speaker 5: Like?

506
00:23:26,560 --> 00:23:29,840
Speaker 2: We need to actually double down and understand why do

507
00:23:29,960 --> 00:23:32,199
Speaker 2: you want to hang out with us? What about your

508
00:23:32,280 --> 00:23:35,240
Speaker 2: life is giving you stress? What about your situation needs

509
00:23:35,320 --> 00:23:38,000
Speaker 2: to change? Because once you've got that, then we can

510
00:23:38,040 --> 00:23:40,400
Speaker 2: give you the tools and resources and it feels good

511
00:23:40,520 --> 00:23:42,959
Speaker 2: to use them as opposed to I did a budget,

512
00:23:43,080 --> 00:23:45,720
Speaker 2: but I don't really look at it like that makes sense.

513
00:23:46,280 --> 00:23:48,680
Speaker 2: We need to find the motivation, Jessica, what would you do?

514
00:23:48,840 --> 00:23:49,639
Speaker 3: Oh, I'm just firs.

515
00:23:49,800 --> 00:23:52,400
Speaker 5: I'm really sorry that you're going through this. I think

516
00:23:52,440 --> 00:23:54,680
Speaker 5: it's really it's a tough situation. And this way we

517
00:23:54,680 --> 00:23:56,600
Speaker 5: always recommend it, even if you're not the partner who

518
00:23:56,640 --> 00:23:59,080
Speaker 5: looks after the finance primarily to make sure that you're

519
00:23:59,119 --> 00:24:01,159
Speaker 5: kind of across the ins and outs, but it can

520
00:24:01,280 --> 00:24:04,479
Speaker 5: be really confronting for you. After eighteen years, I can

521
00:24:04,560 --> 00:24:07,080
Speaker 5: understand that it would feel really overwhelming, and so I

522
00:24:07,200 --> 00:24:10,720
Speaker 5: want to validate that you're doing a good job. In

523
00:24:10,840 --> 00:24:12,520
Speaker 5: the sense of the fact that you're looking at everything

524
00:24:12,560 --> 00:24:16,000
Speaker 5: and wanting to improve is a fantastic thing. I think

525
00:24:16,320 --> 00:24:18,640
Speaker 5: that from the budgeting side of things, if you haven't

526
00:24:18,640 --> 00:24:20,639
Speaker 5: tried the shoes on the money free budget template, that

527
00:24:20,760 --> 00:24:22,440
Speaker 5: is a really good place to start. We also have

528
00:24:22,520 --> 00:24:25,520
Speaker 5: a great episode called budget Like a Boss that goes

529
00:24:25,600 --> 00:24:28,320
Speaker 5: over like the ins and outs of you Victoria's recommended

530
00:24:28,400 --> 00:24:30,800
Speaker 5: system and how you can make that all work. If

531
00:24:30,880 --> 00:24:32,480
Speaker 5: you have done all of those things, Like you said,

532
00:24:32,520 --> 00:24:34,560
Speaker 5: you had a budget and the problem you're having is

533
00:24:34,600 --> 00:24:36,760
Speaker 5: you're not sticking to it. I think you need to

534
00:24:36,760 --> 00:24:38,960
Speaker 5: look at why that is. Are you not sticking to

535
00:24:39,040 --> 00:24:41,800
Speaker 5: the budget because the budget you've created is unrealistic and

536
00:24:41,920 --> 00:24:45,280
Speaker 5: so you've given yourself one hundred dollars a week for groceries,

537
00:24:45,560 --> 00:24:47,280
Speaker 5: but for you and the kids, it's actually one hundred

538
00:24:47,280 --> 00:24:49,920
Speaker 5: and fifty dollars. Because if we're unrealistic in what we

539
00:24:50,040 --> 00:24:52,560
Speaker 5: allocate in our budget, the budget is never going to work.

540
00:24:53,200 --> 00:24:57,640
Speaker 5: So it's either you haven't allocated funds correctly or your

541
00:24:57,720 --> 00:25:00,520
Speaker 5: impulse control needs work. And we're buying things maybe that

542
00:25:00,600 --> 00:25:03,360
Speaker 5: we shouldn't or going out for dinners that we shouldn't.

543
00:25:03,600 --> 00:25:05,560
Speaker 5: I don't know which the answer is for you, but

544
00:25:05,680 --> 00:25:07,159
Speaker 5: take a look and figure it out. If it is

545
00:25:07,240 --> 00:25:09,720
Speaker 5: that second option, if you are maybe spending a little

546
00:25:09,760 --> 00:25:12,399
Speaker 5: bit more than you should. A bit of tough love

547
00:25:12,480 --> 00:25:15,480
Speaker 5: for anyone who is in the same situation. We don't

548
00:25:15,640 --> 00:25:18,119
Speaker 5: need to have or do everything, I think, especially for

549
00:25:18,200 --> 00:25:21,119
Speaker 5: you right now in this season of change, you may

550
00:25:21,320 --> 00:25:22,960
Speaker 5: just have to strip back to the bare bones.

551
00:25:23,040 --> 00:25:25,000
Speaker 3: And I know that that's probably going to be hard.

552
00:25:24,920 --> 00:25:26,800
Speaker 5: To navigate when you've got the kids and you don't

553
00:25:26,800 --> 00:25:29,520
Speaker 5: want their lifestyle to feel like it changes. But you

554
00:25:29,600 --> 00:25:32,000
Speaker 5: also need to give yourself grace, and there may be

555
00:25:32,119 --> 00:25:34,680
Speaker 5: a period of time where, given how much work that

556
00:25:34,680 --> 00:25:36,600
Speaker 5: you're doing in your study and all of these things,

557
00:25:37,240 --> 00:25:38,679
Speaker 5: you can have everything that you want, but not all

558
00:25:38,680 --> 00:25:40,720
Speaker 5: at once. As Victoria likes to say, and I think.

559
00:25:40,680 --> 00:25:42,480
Speaker 2: That you need that's a quote you could put in

560
00:25:42,520 --> 00:25:42,800
Speaker 2: a god.

561
00:25:42,800 --> 00:25:44,160
Speaker 3: That's one of my personal favorites.

562
00:25:44,200 --> 00:25:44,600
Speaker 2: I think.

563
00:25:46,200 --> 00:25:48,760
Speaker 5: I think that you need to maybe just pull it

564
00:25:48,840 --> 00:25:50,719
Speaker 5: back as far as you can to the bare bones,

565
00:25:50,840 --> 00:25:53,000
Speaker 5: and also give yourself permission.

566
00:25:52,640 --> 00:25:55,240
Speaker 3: To do that. Mmmm, that's a really your point. I

567
00:25:55,359 --> 00:25:58,680
Speaker 3: am the same as you. Just I'm firstly, really really sorry.

568
00:25:59,040 --> 00:26:01,040
Speaker 3: This sounds like a really feel.

569
00:26:00,840 --> 00:26:02,840
Speaker 2: Bad that I just dove in and said find meaning

570
00:26:02,880 --> 00:26:05,040
Speaker 2: and purpose, And you guys are both like, look, we're

571
00:26:05,080 --> 00:26:08,240
Speaker 2: really sorry, Like me too, but we've got stuff to do.

572
00:26:09,280 --> 00:26:09,600
Speaker 4: Sorry.

573
00:26:09,840 --> 00:26:12,879
Speaker 2: Sorry, Yeah, that's not tough love, Like I want you

574
00:26:12,960 --> 00:26:13,720
Speaker 2: to love your life.

575
00:26:14,000 --> 00:26:17,240
Speaker 3: He's out. You can absolutely sorry, No, that's okay, but

576
00:26:17,400 --> 00:26:19,800
Speaker 3: I do. You can't go back and fix things, but

577
00:26:19,960 --> 00:26:23,000
Speaker 3: I really am. I get stressed for people who are

578
00:26:23,320 --> 00:26:25,760
Speaker 3: who just let their partners do all the finance stuff

579
00:26:25,800 --> 00:26:28,720
Speaker 3: and then like, if something happens, it is so risky

580
00:26:28,800 --> 00:26:30,359
Speaker 3: because then you're like, I have no idea. If not,

581
00:26:30,640 --> 00:26:32,119
Speaker 3: I don't know, I don't know where to start and

582
00:26:32,200 --> 00:26:35,359
Speaker 3: know what to do, which is a reasonable thing to feel.

583
00:26:35,560 --> 00:26:37,760
Speaker 3: I hope that your partner is like, let me help you,

584
00:26:37,880 --> 00:26:40,879
Speaker 3: because we've built a life together and now you're just

585
00:26:40,960 --> 00:26:43,240
Speaker 3: kind of like on your own. So I totally understand.

586
00:26:43,240 --> 00:26:46,800
Speaker 3: I think it's worth mentioning that I'm noticing people are

587
00:26:46,840 --> 00:26:49,400
Speaker 3: getting like harder and harder on themselves when the economy

588
00:26:49,760 --> 00:26:51,560
Speaker 3: or the cost of living is getting higher and higher.

589
00:26:51,640 --> 00:26:53,960
Speaker 3: But it's like some things are completely out of our control.

590
00:26:54,080 --> 00:26:56,560
Speaker 3: We can't help that. Sometimes you can hustle and hustle

591
00:26:56,600 --> 00:27:00,199
Speaker 3: and hustle. The cost of living is so extreme. It's

592
00:27:00,280 --> 00:27:02,280
Speaker 3: not on us. It's actually just really hard to live

593
00:27:02,359 --> 00:27:04,680
Speaker 3: right now. So I think there's a little bit of

594
00:27:05,040 --> 00:27:06,480
Speaker 3: maybe it's a little bit of that too going on.

595
00:27:06,720 --> 00:27:10,000
Speaker 3: So just what I'm saying is it's hard enough, don't

596
00:27:10,040 --> 00:27:12,960
Speaker 3: be hard on yourself as well. But I think exactly

597
00:27:13,040 --> 00:27:15,800
Speaker 3: as Jess says, try and see if there's anything that's

598
00:27:15,800 --> 00:27:18,200
Speaker 3: like unrealistic in your budget. But I've also noticed that

599
00:27:18,280 --> 00:27:23,560
Speaker 3: like honestly opening a billion Savers accounts with different names

600
00:27:23,600 --> 00:27:25,960
Speaker 3: for each account and then putting money in there, so

601
00:27:26,040 --> 00:27:28,600
Speaker 3: it's a lot easy to see, oh, I only have

602
00:27:29,000 --> 00:27:31,920
Speaker 3: ten dollars for groceries this week, and then once that

603
00:27:32,040 --> 00:27:33,760
Speaker 3: ten dollars right out, you're like, Okay, what am I

604
00:27:33,800 --> 00:27:36,440
Speaker 3: dipping into? Sometimes you don't know what you're dipping into

605
00:27:36,520 --> 00:27:39,240
Speaker 3: when there's just money in your account and you're like, oh,

606
00:27:39,520 --> 00:27:41,280
Speaker 3: I'm sure that's fine, and then a bill comes and

607
00:27:41,320 --> 00:27:42,760
Speaker 3: you're like, oh, my God, I have no money for that.

608
00:27:43,160 --> 00:27:45,040
Speaker 3: But if it's in the bill's account, it's like I

609
00:27:45,240 --> 00:27:47,680
Speaker 3: know that I'm dipping into bills. I know that I

610
00:27:47,760 --> 00:27:49,440
Speaker 3: have to make that back, you know what I mean?

611
00:27:50,080 --> 00:27:53,800
Speaker 3: And some people, Yeah, that's exactly how I set mine

612
00:27:53,840 --> 00:27:56,760
Speaker 3: up to you. Yeah, it was good memory.

613
00:27:57,320 --> 00:27:59,160
Speaker 2: I'm a psycho memory, great memory.

614
00:27:59,240 --> 00:28:00,800
Speaker 3: So I think something like that where you can see

615
00:28:00,840 --> 00:28:04,320
Speaker 3: where you're taking it out of, because then you kind

616
00:28:04,359 --> 00:28:06,760
Speaker 3: of like it kind of makes more sense if you

617
00:28:06,840 --> 00:28:08,120
Speaker 3: ever get to a place where you like, I can't

618
00:28:08,119 --> 00:28:09,879
Speaker 3: of calld this. That makes sense because I took it

619
00:28:09,920 --> 00:28:11,440
Speaker 3: out when I had to buy this and blah blah

620
00:28:11,440 --> 00:28:13,320
Speaker 3: blah blah blah. Yeah, but don't be hard on yourself.

621
00:28:13,440 --> 00:28:15,720
Speaker 2: Basically, yeah, could.

622
00:28:15,560 --> 00:28:17,920
Speaker 3: We please perhaps here a juicy DM.

623
00:28:18,320 --> 00:28:20,280
Speaker 2: We can, of course hear a juicy DM. Are you

624
00:28:20,359 --> 00:28:24,280
Speaker 2: ready to astrapped in? So this week's one high queens.

625
00:28:24,320 --> 00:28:27,000
Speaker 2: I've always lived paycheck to paycheck, but I found she's

626
00:28:27,040 --> 00:28:28,480
Speaker 2: on the money in the last year, and I am

627
00:28:28,560 --> 00:28:31,120
Speaker 2: proud to say I am making changes for the better.

628
00:28:31,800 --> 00:28:34,240
Speaker 2: What I didn't expect was how much it would change

629
00:28:34,320 --> 00:28:37,480
Speaker 2: how I see the people around me. I'm realizing my

630
00:28:37,560 --> 00:28:41,000
Speaker 2: friendship group is toxic when it comes to money, there's

631
00:28:41,000 --> 00:28:44,080
Speaker 2: a lot of spending beyond their means, normalizing consumer debt,

632
00:28:44,160 --> 00:28:48,240
Speaker 2: and no interest in improving their situation. They're not bad people,

633
00:28:48,880 --> 00:28:52,080
Speaker 2: but being around that energy makes it so hard for

634
00:28:52,200 --> 00:28:54,840
Speaker 2: me to stay on track. I hate feeling like this

635
00:28:55,000 --> 00:28:57,600
Speaker 2: because I don't want to sound judgmental, but I want

636
00:28:57,680 --> 00:28:59,800
Speaker 2: to surround myself with people who want better for them

637
00:29:00,040 --> 00:29:02,680
Speaker 2: else I wouldn't even know how to find these kinds

638
00:29:02,680 --> 00:29:04,960
Speaker 2: of friends, and I don't want to throw away years

639
00:29:05,040 --> 00:29:06,920
Speaker 2: of friendship. Can you please help?

640
00:29:07,800 --> 00:29:09,200
Speaker 3: It's such a hard situation.

641
00:29:09,400 --> 00:29:11,440
Speaker 5: I think you need to acknowledge that you do sometimes

642
00:29:11,520 --> 00:29:14,520
Speaker 5: outgrow friends, and that's okay if your lives move in

643
00:29:14,560 --> 00:29:16,840
Speaker 5: different directions, if you have different values. Because you were

644
00:29:16,880 --> 00:29:18,560
Speaker 5: the sum of the seven people you spend the most

645
00:29:18,600 --> 00:29:20,440
Speaker 5: time with, I think is what that study says.

646
00:29:20,320 --> 00:29:22,640
Speaker 3: Like your habits, your behaviors.

647
00:29:22,720 --> 00:29:23,960
Speaker 2: I don't even have seven friends.

648
00:29:24,040 --> 00:29:25,000
Speaker 4: What does that mean.

649
00:29:26,400 --> 00:29:28,360
Speaker 3: Some of the one, two, three of us that we

650
00:29:28,520 --> 00:29:32,080
Speaker 3: spend the most time a elite. You're doing pretty well,

651
00:29:32,760 --> 00:29:33,280
Speaker 3: but you know so.

652
00:29:33,400 --> 00:29:35,240
Speaker 5: I think that the people you do surround yourself with

653
00:29:35,440 --> 00:29:38,200
Speaker 5: really have a huge impact on your ability to meet

654
00:29:38,240 --> 00:29:40,720
Speaker 5: and achieve your goals. With that being said, you also

655
00:29:40,840 --> 00:29:44,240
Speaker 5: can absolutely have friends that I don't want to say

656
00:29:44,440 --> 00:29:47,200
Speaker 5: service different parts of you, because like a friendship is

657
00:29:47,280 --> 00:29:51,240
Speaker 5: not a transaction, but friends that you have, friends that

658
00:29:51,360 --> 00:29:54,120
Speaker 5: support or fit in with different parts of your personality,

659
00:29:54,160 --> 00:29:56,800
Speaker 5: Like no one person is everything to everyone, and so

660
00:29:57,440 --> 00:29:59,000
Speaker 5: it may be that those friends that you've had for

661
00:29:59,040 --> 00:30:02,280
Speaker 5: a long time, you have a great time when you're together.

662
00:30:02,760 --> 00:30:04,960
Speaker 5: You love a board games night, you love an adventure,

663
00:30:05,360 --> 00:30:08,520
Speaker 5: you love something like that, and that's okay. And maybe

664
00:30:08,640 --> 00:30:12,960
Speaker 5: finding your people who have a similar passion for personal

665
00:30:13,080 --> 00:30:16,920
Speaker 5: growth and making these kinds of life changes, being budget

666
00:30:17,000 --> 00:30:19,719
Speaker 5: conscious and all of those things, maybe it's you need

667
00:30:19,800 --> 00:30:23,760
Speaker 5: to bring additions in rather than necessarily having to let go.

668
00:30:24,240 --> 00:30:26,000
Speaker 5: But with that being said, you did use the word toxic,

669
00:30:26,040 --> 00:30:27,520
Speaker 5: and I do think if someone is toxic, you maybe

670
00:30:27,560 --> 00:30:29,400
Speaker 5: do need to give them the boot, so you don't.

671
00:30:29,280 --> 00:30:32,280
Speaker 3: Leave that to your best DISAGRETIONI In terms of how

672
00:30:32,320 --> 00:30:32,760
Speaker 3: you meet.

673
00:30:32,600 --> 00:30:34,920
Speaker 5: People, I think like online communities, the dishes in the

674
00:30:34,920 --> 00:30:38,240
Speaker 5: one community is full of hundreds of thousands of incredible people.

675
00:30:38,440 --> 00:30:40,840
Speaker 2: Lots of them have become real friends, lots of real life.

676
00:30:41,000 --> 00:30:43,240
Speaker 5: Absolutely, maybe one day we'll bring back the events and

677
00:30:43,280 --> 00:30:45,880
Speaker 5: you can meet people then, but also just like through

678
00:30:45,960 --> 00:30:48,160
Speaker 5: the group itself, having conversations if you're not in the

679
00:30:48,160 --> 00:30:50,600
Speaker 5: Facebook group. For anyone who's new, we have a Facebook

680
00:30:50,640 --> 00:30:53,400
Speaker 5: group with over three hundred thousand in credits, wild people,

681
00:30:53,720 --> 00:30:56,080
Speaker 5: so many people, and we have threads where you can

682
00:30:56,120 --> 00:30:57,960
Speaker 5: comment and share ideas, and it's a great way to

683
00:30:58,040 --> 00:31:01,720
Speaker 5: form connections with others. There is what I would perhaps

684
00:31:01,880 --> 00:31:05,400
Speaker 5: suggest in real life. Otherwise, do think that you enjoy

685
00:31:05,760 --> 00:31:07,880
Speaker 5: meet people out and about in the real world. I

686
00:31:08,000 --> 00:31:11,680
Speaker 5: think like the power of a shared interest, a shared

687
00:31:11,720 --> 00:31:15,040
Speaker 5: passion can connect you with someone in a really meaningful way.

688
00:31:16,240 --> 00:31:19,320
Speaker 3: Also like sports teams, like social sport. All of my

689
00:31:19,400 --> 00:31:22,200
Speaker 3: friends came from Frisbee everything, all of my close friends

690
00:31:22,200 --> 00:31:22,880
Speaker 3: and my boyfriend.

691
00:31:22,920 --> 00:31:24,440
Speaker 2: I think it's a really, that's a really. Yeah, it's

692
00:31:24,440 --> 00:31:28,640
Speaker 2: a great Frisbee Frisbee get a whole family. Yeah, pretty much.

693
00:31:29,960 --> 00:31:32,720
Speaker 3: I can completely understand the feeling of like maybe like

694
00:31:33,080 --> 00:31:36,600
Speaker 3: learning something new or like finding a way of life

695
00:31:36,640 --> 00:31:38,800
Speaker 3: that feels better for you, and then looking at the

696
00:31:38,800 --> 00:31:41,200
Speaker 3: people that aren't doing those things and now seeing them

697
00:31:41,240 --> 00:31:42,880
Speaker 3: in a different kind of light and being like, oh

698
00:31:43,000 --> 00:31:47,440
Speaker 3: you like you are not changing, are not growing, and

699
00:31:47,520 --> 00:31:51,240
Speaker 3: then feeling this kind of like almost like and I

700
00:31:51,360 --> 00:31:54,400
Speaker 3: don't mean to sound bad, but like self righteousness almost

701
00:31:54,960 --> 00:31:58,880
Speaker 3: in a way that is not It's not bad. I

702
00:31:59,040 --> 00:32:01,480
Speaker 3: think it's your growth. You feel like the people around

703
00:32:01,520 --> 00:32:03,800
Speaker 3: you aren't growing if they are toxic in a way

704
00:32:03,840 --> 00:32:08,400
Speaker 3: that is like they're pushing you to ignore all that

705
00:32:08,520 --> 00:32:10,480
Speaker 3: you've learned and pushing you to still be bad with

706
00:32:10,560 --> 00:32:14,760
Speaker 3: money and like really not encouraging your growth, and also

707
00:32:16,000 --> 00:32:17,160
Speaker 3: kind of like looking down.

708
00:32:17,000 --> 00:32:18,920
Speaker 2: On you for changing in any kind of way.

709
00:32:19,000 --> 00:32:21,840
Speaker 3: Then that is bad and you do need to unfortunately

710
00:32:21,880 --> 00:32:23,600
Speaker 3: give them the boot, I would say. But if they

711
00:32:23,640 --> 00:32:26,720
Speaker 3: are just not changing their own behavior but still supporting

712
00:32:26,800 --> 00:32:28,840
Speaker 3: you and still being good friends in every other way,

713
00:32:29,200 --> 00:32:30,840
Speaker 3: I don't see any problem with that. I think that

714
00:32:31,040 --> 00:32:34,120
Speaker 3: it can be really hard to watch, especially knowing what

715
00:32:34,200 --> 00:32:37,840
Speaker 3: you know now. But a friend told me this is

716
00:32:37,920 --> 00:32:41,320
Speaker 3: more like in the sustainability environmental space. She said, the

717
00:32:41,400 --> 00:32:46,840
Speaker 3: best way to spread awareness is to just do and

718
00:32:47,040 --> 00:32:50,160
Speaker 3: do it kindly and do it gently, and people can

719
00:32:50,240 --> 00:32:52,480
Speaker 3: maybe sometimes watch on and be curious and then want

720
00:32:52,480 --> 00:32:54,520
Speaker 3: to change their own behavior. Yeah, but just doing and

721
00:32:54,600 --> 00:32:58,280
Speaker 3: not telling to that, yeah, like just like being this

722
00:32:58,480 --> 00:33:01,040
Speaker 3: kind of way, and like I'm we're talking about the environmental,

723
00:33:01,480 --> 00:33:04,120
Speaker 3: but this can apply in your situation. But let's say

724
00:33:04,160 --> 00:33:07,240
Speaker 3: like packing your own lunch using your reasonable straw, Like

725
00:33:07,320 --> 00:33:10,920
Speaker 3: people will see what you're doing in the financial space

726
00:33:11,400 --> 00:33:13,920
Speaker 3: and eventually see like, oh, this is probably like a

727
00:33:14,720 --> 00:33:16,960
Speaker 3: better way to live in terms of being a little

728
00:33:16,960 --> 00:33:21,360
Speaker 3: bit more stress free and then being curious but forcing

729
00:33:21,440 --> 00:33:24,560
Speaker 3: it or telling people, And I know for sure you

730
00:33:24,800 --> 00:33:28,880
Speaker 3: will not change unless you're ready to. And I'm still

731
00:33:29,040 --> 00:33:33,080
Speaker 3: not super ready, so I still am not super changing.

732
00:33:33,960 --> 00:33:36,760
Speaker 3: But you can't like push that on people. They just

733
00:33:36,840 --> 00:33:38,080
Speaker 3: have to move in their own way.

734
00:33:38,240 --> 00:33:40,040
Speaker 2: What do you think? I agree? I find it really

735
00:33:40,120 --> 00:33:42,000
Speaker 2: hard because you use the word toxic, but then you

736
00:33:42,160 --> 00:33:45,760
Speaker 2: also like backed up a little bit of what toxic

737
00:33:45,880 --> 00:33:48,000
Speaker 2: meant to you. So you said they're spending a lot

738
00:33:48,040 --> 00:33:51,440
Speaker 2: beyond their means, you know, they normalize their consumer debt

739
00:33:51,520 --> 00:33:55,000
Speaker 2: and like they've got no interest in improving their situations.

740
00:33:55,040 --> 00:33:58,040
Speaker 2: And that's fine, but people don't know what they don't know,

741
00:33:58,720 --> 00:34:02,560
Speaker 2: and that I'm just going to pretend it's a very

742
00:34:02,600 --> 00:34:05,360
Speaker 2: simple toxic thing, because like I have had genuinely toxic

743
00:34:05,440 --> 00:34:08,279
Speaker 2: friends who have questioned, why would you do that? Don't

744
00:34:08,280 --> 00:34:11,239
Speaker 2: you find it embarrassing? Posting on social media, or why

745
00:34:11,320 --> 00:34:13,360
Speaker 2: do you even care so much about budgeting? You're so

746
00:34:13,560 --> 00:34:16,600
Speaker 2: stuck up rah rah, Like that to me is toxic,

747
00:34:16,719 --> 00:34:20,520
Speaker 2: need to get out of my life, toxic, toxic in

748
00:34:20,680 --> 00:34:23,320
Speaker 2: your situation. Seems they just don't have access to the

749
00:34:23,400 --> 00:34:26,440
Speaker 2: tools and the resources that you've discovered. And I think

750
00:34:26,480 --> 00:34:28,799
Speaker 2: that you can gently lead by example, like what Beck

751
00:34:28,960 --> 00:34:30,719
Speaker 2: was saying when they suggest let's go out for dinner,

752
00:34:30,840 --> 00:34:32,840
Speaker 2: be like, oh my goodness, no, I really want to

753
00:34:33,200 --> 00:34:35,560
Speaker 2: want to put more pressure on you guys saying the

754
00:34:35,640 --> 00:34:37,279
Speaker 2: other day finance is really tough. Why don't we have

755
00:34:37,360 --> 00:34:40,120
Speaker 2: dinner at my place? Small things that are steps in

756
00:34:40,160 --> 00:34:42,319
Speaker 2: the right direction, I think could be a really good thing.

757
00:34:42,760 --> 00:34:44,560
Speaker 2: And at the end of the day, just because they

758
00:34:44,680 --> 00:34:47,920
Speaker 2: have normalized consumer debt for them doesn't mean you need

759
00:34:48,000 --> 00:34:51,399
Speaker 2: to engage in it. It's like I have friends that vape.

760
00:34:52,160 --> 00:34:54,680
Speaker 2: Just because they vape does not mean I have to vape.

761
00:34:55,120 --> 00:34:57,560
Speaker 2: That's just not of interest to me. Is it a

762
00:34:57,600 --> 00:35:00,520
Speaker 2: bad thing? I couldn't care less your body? True, But

763
00:35:00,680 --> 00:35:03,359
Speaker 2: I think the same comes to money, Like if they're

764
00:35:03,400 --> 00:35:06,840
Speaker 2: making decisions you wouldn't make, that does not impact you,

765
00:35:07,440 --> 00:35:11,320
Speaker 2: Like that is actually, frankly none of your business unless

766
00:35:11,400 --> 00:35:14,359
Speaker 2: they are encouraging you and you know, maybe not making

767
00:35:14,400 --> 00:35:16,560
Speaker 2: you feel good about the decisions that you're making, at

768
00:35:16,600 --> 00:35:19,840
Speaker 2: which point you would have to let them know that

769
00:35:19,920 --> 00:35:22,600
Speaker 2: they're overstepping their boundaries, or that you're not comfortable with

770
00:35:22,680 --> 00:35:25,520
Speaker 2: the way they're communicating, or even just going, oh my gosh,

771
00:35:25,640 --> 00:35:28,439
Speaker 2: like that's so crazy. I listened to an episode about

772
00:35:28,480 --> 00:35:30,279
Speaker 2: consumer debt the other day and how bad it can

773
00:35:30,320 --> 00:35:31,759
Speaker 2: be for you. Maybe you want to have a listen.

774
00:35:31,840 --> 00:35:34,480
Speaker 2: Here's link to a podcast. So for me, it's not

775
00:35:34,640 --> 00:35:38,279
Speaker 2: necessarily toxic cut these people out, but yeah, maybe you

776
00:35:38,400 --> 00:35:40,480
Speaker 2: do want to start surrounding yourself with people who are

777
00:35:40,520 --> 00:35:42,560
Speaker 2: more like you. Like when you find a value that

778
00:35:42,640 --> 00:35:44,640
Speaker 2: you have, or you find a hobby or an interest,

779
00:35:45,280 --> 00:35:47,560
Speaker 2: you want other people to bounce off. Like it's kind

780
00:35:47,560 --> 00:35:50,239
Speaker 2: of lonely doing this on your own, but like how fun.

781
00:35:50,360 --> 00:35:51,759
Speaker 2: Like Jess and I talk about it all the time

782
00:35:51,800 --> 00:35:53,719
Speaker 2: her thirteen saver accounts. What you're up to? How does

783
00:35:53,760 --> 00:35:55,600
Speaker 2: that work? Oh, you're doing that all smart. I want

784
00:35:55,640 --> 00:35:58,240
Speaker 2: to do that too, Like you can find more friends

785
00:35:58,360 --> 00:35:59,960
Speaker 2: like that. You do have to look for them, though,

786
00:36:00,000 --> 00:36:02,080
Speaker 2: because I find that making friends as an adult is

787
00:36:02,239 --> 00:36:03,319
Speaker 2: ridiculously hard.

788
00:36:03,560 --> 00:36:04,920
Speaker 3: Yeah. Much harder than when you're young.

789
00:36:05,160 --> 00:36:08,080
Speaker 2: Oh so, first question I asked was what would you

790
00:36:08,160 --> 00:36:10,600
Speaker 2: do if you were our community member? And forty percent

791
00:36:10,600 --> 00:36:12,719
Speaker 2: of you said I'd stay friends. I'd just keep money

792
00:36:12,719 --> 00:36:15,680
Speaker 2: out of the conversations. Thirty nine percent said I would

793
00:36:15,719 --> 00:36:19,239
Speaker 2: set firm boundaries and then prioritize me. Thirteen percent said

794
00:36:19,280 --> 00:36:22,040
Speaker 2: be honest about how you're feeling, and eight percent said

795
00:36:22,080 --> 00:36:25,879
Speaker 2: you would quietly distance yourselves. I then asked, do your

796
00:36:25,920 --> 00:36:29,560
Speaker 2: friendship support the future you're trying to build? Sixty eight

797
00:36:29,600 --> 00:36:33,160
Speaker 2: percent said sometimes, but not everything in everyone. Twenty six

798
00:36:33,239 --> 00:36:36,200
Speaker 2: percent said yeah, we're aligned, three percent said not really,

799
00:36:36,280 --> 00:36:38,840
Speaker 2: and two percent said I've changed friends because of this.

800
00:36:40,080 --> 00:36:41,480
Speaker 2: I don't even know how to change friends.

801
00:36:42,080 --> 00:36:43,320
Speaker 3: Anither bit an awkward one, isn't it?

802
00:36:43,520 --> 00:36:45,840
Speaker 2: Yeah, like, I totally get it. Then we asked the

803
00:36:45,920 --> 00:36:48,360
Speaker 2: community or. I asked, what's your two cents? As I

804
00:36:48,440 --> 00:36:51,320
Speaker 2: always do. First person said, just introduce your friends to

805
00:36:51,360 --> 00:36:54,560
Speaker 2: She's on the Money. Boom, money problems solved, go get

806
00:36:54,680 --> 00:36:58,880
Speaker 2: rich together absolutely. Next perstone said, they're friends, you're not married.

807
00:36:59,280 --> 00:37:01,600
Speaker 2: How they spend their money is none of your business.

808
00:37:02,239 --> 00:37:05,040
Speaker 2: Next person is using another She's on the money quote.

809
00:37:06,120 --> 00:37:09,440
Speaker 2: Rising tide lifts soul ships. Yes, you could be an

810
00:37:09,520 --> 00:37:12,880
Speaker 2: inspiration and set examples for when they are ready. So

811
00:37:13,000 --> 00:37:16,560
Speaker 2: that's basically what Beck was saying. Another person said, don't

812
00:37:16,640 --> 00:37:19,680
Speaker 2: define your friends by their money habits. They are still

813
00:37:19,719 --> 00:37:22,520
Speaker 2: your friends, so focus on that is a very true.

814
00:37:22,719 --> 00:37:24,640
Speaker 2: Next person said, I have lots of different friends with

815
00:37:24,719 --> 00:37:27,480
Speaker 2: lots of different money and life goals and aspirations. It

816
00:37:27,560 --> 00:37:30,040
Speaker 2: doesn't matter. And then the last one I'll share is

817
00:37:30,600 --> 00:37:32,799
Speaker 2: this person said, I ask them if they think their

818
00:37:32,840 --> 00:37:36,040
Speaker 2: financial decisions are smart, and now they're slowly getting better.

819
00:37:36,320 --> 00:37:36,680
Speaker 4: There you go.

820
00:37:38,160 --> 00:37:40,680
Speaker 2: I feel like that's a good place to be in, Like,

821
00:37:40,880 --> 00:37:43,520
Speaker 2: let's just lead by example. Yeah, it doesn't mean people

822
00:37:43,600 --> 00:37:46,520
Speaker 2: have to follow, Yeah, totally. Anyway, I feel like that's

823
00:37:46,520 --> 00:37:49,239
Speaker 2: a really great place to leave it. Welcome to twenty

824
00:37:49,320 --> 00:37:52,239
Speaker 2: twenty six, my friends. I'm so excited to be here.

825
00:37:52,520 --> 00:37:54,320
Speaker 2: I'm just so excited for the year that's going to be.

826
00:37:54,440 --> 00:37:57,200
Speaker 2: There's just so much planned. Our summer series is literally

827
00:37:57,280 --> 00:38:00,920
Speaker 2: launching tomorrow, so jump on that, listen to our podcast,

828
00:38:01,040 --> 00:38:03,120
Speaker 2: go download all of our free stuff, and we just

829
00:38:03,280 --> 00:38:05,479
Speaker 2: we've got so many exciting things coming up in twenty

830
00:38:05,520 --> 00:38:07,080
Speaker 2: twenty six that we can't wait to share with you.

831
00:38:07,080 --> 00:38:09,800
Speaker 2: You see later. Guys, Bye guys.

832
00:38:09,920 --> 00:38:18,800
Speaker 6: By The advice shared on She's on the Money is

833
00:38:18,880 --> 00:38:22,440
Speaker 6: general in nature and does not consider your individual circumstances.

834
00:38:22,840 --> 00:38:26,200
Speaker 6: She's on the Money exists purely for educational purposes and

835
00:38:26,280 --> 00:38:28,719
Speaker 6: should not be relied upon to make an investment or

836
00:38:28,800 --> 00:38:32,360
Speaker 6: financial decision. If you do choose to buy a financial product,

837
00:38:32,480 --> 00:38:36,440
Speaker 6: read the PDS TMD and obtain appropriate financial advice tailored

838
00:38:36,480 --> 00:38:39,919
Speaker 6: towards your needs. Victoria Divine and She's on the Money

839
00:38:40,000 --> 00:38:44,920
Speaker 6: are authorized representatives of money SHERPA pty Ltd ABN three

840
00:38:45,000 --> 00:38:47,839
Speaker 6: two one is six four nine two seven seven zero

841
00:38:48,040 --> 00:38:51,080
Speaker 6: eight AFSL four five one two eight nine