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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud or

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Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money. She's on the Money.

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

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Speaker 4: that keeps your investments growing.

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Speaker 2: And your stress levels low.

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Speaker 4: Okay, so I've been getting a bunch of messages about

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Speaker 4: the share market taking a little bit of a hit,

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Speaker 4: the US recession fears, and Trump making policy moves. And

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Speaker 4: we've also been talking in my DMS a lot about

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Speaker 4: the ASX dropping billions of dollars in value, and of

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Speaker 4: course the headlines are making it sound so overly dramatic.

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Speaker 4: But here's the thing, I'm not worried. I'm Victoria Devine.

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Speaker 4: I'm an ex financial advisor who has helped hundreds, if

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Speaker 4: not thousands, of clients make millions through investing. I've seen

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Speaker 4: these market freakouts before, and you know what, I'm going

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Speaker 4: to see them again, and honestly, they're actually where the

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Speaker 4: real money is being made. So if you are like

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Speaker 4: a lot of people in my community and you are

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Speaker 4: panicking about your investments right now, or you're thinking of

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Speaker 4: pulling your money out of the market, or maybe even

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Speaker 4: refreshing your superbalance every five minutes, this episode is exactly

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Speaker 4: what you need to hear right now. Start by breaking

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Speaker 4: down what's actually happening. Trump is being well, he's being

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Speaker 4: Trump again right. He's introduced new tariffs on Canada, Mexico,

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Speaker 4: and China, which is making businesses really hesitant to invest

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Speaker 4: because they don't know what's coming next. CEOs are holding

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Speaker 4: back on their spending and they're hiring, which is then

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Speaker 4: in turn slowing down economic growth. And then there's the

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Speaker 4: Department of Government Efficiency or the DOGE led by Elon Musk.

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Speaker 2: This new initiative is.

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Speaker 4: All about slashing federal spending and that's leading to really

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Speaker 4: large scale public sector layoffs, especially in Washington, DC.

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Speaker 2: And my friend, here's the thing.

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Speaker 4: If there are fewer government jobs, there are fewer paychecks.

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Speaker 2: And if there are.

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Speaker 4: Fewer paychecks, there's lower consumer spending. And if there's lower

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Speaker 4: consumer spending, that equals slower economic activity. When asked about

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Speaker 4: all of this in a very relatable Fox News interview,

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Speaker 4: Trump didn't deny the possibility of a recession. Instead, he

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Speaker 4: decided to call it a transition period. Meanwhile, his Treasury

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Speaker 4: secretary referred to it as a detox period, as they

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Speaker 4: still push ahead with spending cuts, and the market has

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Speaker 4: reacted to his.

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Speaker 2: Comments understandably so.

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Speaker 4: At the time of US recording this, we've seen the

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Speaker 4: S and P five hundred, which is the top five

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Speaker 4: hundred companies in America, tumble about two point seven percent overnight,

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Speaker 4: the Nasdaq has slumped four percent, and our ASX or

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Speaker 4: the Australian Stock Exchange, has lost about fifty billion dollars

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Speaker 4: worth of value, which means you're probably seeing a little

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Speaker 4: bit of red in your share portfolio when you're logging in,

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Speaker 4: and that can be really stressful.

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Speaker 2: I get it.

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Speaker 4: Historically we have spoken about how a US market dip

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Speaker 4: then in turn impacts Australia so much but he's a

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Speaker 4: little quick refresher.

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Speaker 2: We follow Wall Street.

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Speaker 4: The Australian stock market takes cues from global trends, and

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Speaker 4: when the US stock market drops, the Australian Stock exchange

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Speaker 4: tends to dip as well. Australia's economy is heavily tied

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Speaker 4: to exports, so if Trump's trade war slows down China's economy,

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Speaker 4: demand for iron, ore, coal and agricultural goods could actually

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Speaker 4: take a hit as well. And when global markets look

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Speaker 4: unstable and they just don't look like a place you

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Speaker 4: want to be, investor confidence ultimately drops, which means more

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Speaker 4: Australian investors starts selling out of fear and we get

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Speaker 4: a little bit worried, which then leads to even bigger

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Speaker 4: market swings and dips. But does that mean you should

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Speaker 4: also panic and sell all of your shares, my friend,

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Speaker 4: absolutely not. I really do get it. I get stressed too.

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Speaker 4: Seeing red in your portfolio is never fun. But before

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Speaker 4: you make any big moves.

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Speaker 2: Let's take a breath and let's step back.

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Speaker 4: Because while the headlines are literally designed to freak you

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Speaker 4: out because that's what sells, media, history tells a really

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Speaker 4: different story. Stick with me because I'm going to explain

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Speaker 4: after the break, and I'll let you in on exactly

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Speaker 4: see what I am personally doing with my investments right now.

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Speaker 4: Don't go anywhere, all right, So we are back and

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Speaker 4: we know what's happening with the headlines. We know the

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Speaker 4: headlines are dramatic. The market is currently down, and if

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Speaker 4: you're checking your investments, you might be feeling a little

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Speaker 4: bit uneasy right now. And while yes, I do have

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Speaker 4: thoughts about what Trump's actions will do to the economy

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Speaker 4: when it comes to the share market, here's why I'm

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Speaker 4: actually not worried, and my friend, why you shouldn't be either.

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Speaker 4: News outlets they love a dramatic headline, words like plummet

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Speaker 4: and crash and market meltdown.

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Speaker 2: The media wants you to.

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Speaker 4: Panic because panic gets clicks fear cells. But making financial

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Speaker 4: decisions based on fear or maybe even what the masses

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Speaker 4: are doing is literally how you're going to lose a

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Speaker 4: lot of money. There with me, let's go back in

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Speaker 4: time to when the COVID crash happened. It was way

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Speaker 4: worse than this, with a thirty four percent drop in

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Speaker 4: honestly just weeks. But this time, instead of following the

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Speaker 4: masses and panic selling. Let's pretend you actually put ten

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Speaker 4: thousand dollars into the share market. That money today would

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Speaker 4: be worth about thirty thousand dollars. So, my friend, the

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Speaker 4: best investors aren't actually running around with their hair on

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Speaker 4: fire right now. They're calmly looking for opportunities.

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Speaker 2: Don't get me wrong.

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Speaker 4: They have seen the red and they got that drop

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Speaker 4: in their stomach too. But they need to step back

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Speaker 4: and look at the bigger picture. Because when shares are

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Speaker 4: down stocks are on sale, you're buying more with less.

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Speaker 4: That's a money win. Smart investors know that the market

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Speaker 4: moves in cycles. This isn't new information. This is literally

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Speaker 4: how the markets work. Right now, we're in the downturn phase.

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Speaker 4: Something like rising interest rates, political uncertainty, or in this case,

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Speaker 4: Trump's tariffs have triggered a sell on. Prices start to fall,

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Speaker 4: Investors get really nervous, and the headlines they go into overdrive.

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Speaker 2: The media is here to make money.

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Speaker 4: This is when panic sets in and a lot of

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Speaker 4: people make the mistake of selling down their portfolios and

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Speaker 4: ultimately locking in their losses out of fear. But here's

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Speaker 4: the thing. This phase, it doesn't last forever. After the downturns.

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Speaker 4: Comes accumulation, the phase where experienced investors.

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Speaker 2: Start buying while the prices are low.

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Speaker 4: Markets might feel really uncertain, but this is when savvy

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Speaker 4: investors see an opportunity. They're essentially buying quality assets at

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Speaker 4: a discount, knowing that markets historically recover over time.

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Speaker 2: Then we move into markup.

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Speaker 4: The economy has stabilized, businesses grow, and more people are

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Speaker 4: starting to invest again. Prices then rise and optimism returns

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Speaker 4: as demand increases. Prices start rising and those who invested

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Speaker 4: during the downturn they are now reaping the rewards of

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Speaker 4: buying in when others were too nervous to do so. Next,

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Speaker 4: this is like the emotional investment roller coaster i've spoke

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Speaker 4: to you about before. Next comes euphoria, where investing feels

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Speaker 4: like a sure thing. Stocks are booming, everyone wants in

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Speaker 4: the media is talking about it. Your friends, your family,

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Speaker 4: your neighbor's dog is telling you about an investment opportunity.

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Speaker 4: This is when the market is at its peak, but

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Speaker 4: it's also when you are taking the most risk and

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Speaker 4: things are potentially overinflated, And then you know what happens,

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Speaker 4: The cycle repeats itself. Right now, we are in the downturn.

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Speaker 4: But if history tells us anything, this is just another

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Speaker 4: phase in the bigger picture. Here's the thing about market

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Speaker 4: downturns that the wealthy like to keep to themselves. They're

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Speaker 4: actually a golden opportunity for long term investors. Think of

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Speaker 4: it like a Black Friday sale a favorite shop, but

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Speaker 4: instead of discounter cloth, you can find quality investments at

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Speaker 4: a bargain price. And this is exactly why you might

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Speaker 4: be seeing people on TikTok saying things like Trump is

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Speaker 4: tanking the economy on purpose so his wealthy mates can

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Speaker 4: buy in at a discount while everybody else is panicking.

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Speaker 4: The idea is that when the markets drop, experienced investors

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Speaker 4: see an opportunity. They scoop up the stocks while prices

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Speaker 4: are low, knowing that eventually the markets are going to

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Speaker 4: recover and hit new highs. Meanwhile, every day investors who

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Speaker 4: panic and sell at the bottom, Unfortunately, they're the ones

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Speaker 4: who miss out on the rebound.

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Speaker 2: Now.

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Speaker 4: Whether or not Trump is deliberately trying to crash the

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Speaker 4: market is up for debate, but what's not up for

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Speaker 4: debate is market downturns. They create opportunities for those who

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Speaker 4: stay come and think about the big picture.

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Speaker 2: And that's exactly why.

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Speaker 4: If you're investing for the long term, which if you're

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Speaker 4: listening to this show right now you probably are, then

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Speaker 4: what happens in the market today, tomorrow, or even a

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Speaker 4: year from now doesn't really matter that much. What matters

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Speaker 4: is whether the market is in ten, twenty or thirty

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Speaker 4: years from now, and historically it's always higher, So you

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Speaker 4: need to maintain your investment strategy during market corrections. You

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Speaker 4: don't want to freak out, sell low, and then buy

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Speaker 4: back in when the prices are higher again. That's literally

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Speaker 4: how wealth then gets transferred from the impatient people to

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Speaker 4: the patient people. This is why I am obsessed with

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Speaker 4: understanding market psychology. When everyone is panicking, that's usually the

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Speaker 4: exact time you should be doing the opposite.

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Speaker 2: As the saying goes, be fearful.

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Speaker 4: When others are greedy, and then be greedy when others

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Speaker 4: are fearful. So here is what I am personally doing

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Speaker 4: right now. I'm not checking my investment subsessively.

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Speaker 2: Be for real.

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Speaker 4: This is just going to lead to me making emotional

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Speaker 4: decisions and getting stressed, and it's actually.

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Speaker 2: Not positive at all.

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Speaker 4: The second thing I'm doing is sticking to my regular

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Speaker 4: investment plan. If you've set up auto investments, just leave

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Speaker 4: them alone, let them keep working. This is what we

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Speaker 4: call dollar cost averaging into the market, and it's actually

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Speaker 4: low key one of the most powerful wealth building tools

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Speaker 4: ever because if you are purchasing right now and your

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Speaker 4: shares are at a discount or they are less than

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Speaker 4: what you are usually purchasing in for, not only are

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Speaker 4: they lower in price and you're getting a money in,

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Speaker 4: but it's actually bringing the average price of your portfolio down.

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Speaker 4: So if we divided it up over time, every other

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Speaker 4: purchase you've ever made is coming down as well on average.

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Speaker 4: The third thing I'm doing is if I have some

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Speaker 4: extra cash sitting around, actually considering whether or not I

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Speaker 4: have the capacity to put more into the market, not less,

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Speaker 4: because my friend, as we're saying before, things are on

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Speaker 4: sale and I love the money win. The fourth thing

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Speaker 4: I'm doing is, as always, I am investing for the

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Speaker 4: long term. If you are on the journey with me

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Speaker 4: and you're investing for five or ten or even twenty years,

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Speaker 4: bort term dips don't actually matter over the long term

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Speaker 4: market trend upwards and listen, I fully understand that this

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Speaker 4: can feel overwhelming and consuming and really scary. Money is

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Speaker 4: inherently emotional, But that's exactly why we need to have

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Speaker 4: plans in place before the market drop happens, because the

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Speaker 4: worst financial decisions they get made when we're in panic mode.

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Speaker 4: So here's the takeaway for today. Do not let a

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Speaker 4: market drop or some scary headlines someone who doesn't know

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Speaker 4: anything about finance.

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Speaker 2: Wrote, let you. Of course, the people who build real wealth.

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Speaker 4: Aren't the ones who are trying to time the market perfectly.

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Speaker 4: They're the ones who are staying consistent through all of

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Speaker 4: the market conditions. I've said it before and I will

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Speaker 4: say it again. If I could time the market, I

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Speaker 4: would be insanely rich. Unfortunately I can't, So the next

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Speaker 4: best thing I do is dollar cost averaging. If you're

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Speaker 4: feeling the urge to sell right now, take a step back,

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Speaker 4: take a really deep breath, and remind yourself why you

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Speaker 4: started investing in the first place. Was it for short

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Speaker 4: term gains or was it to build long term wealth? Because,

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Speaker 4: my friend, if it was for the latter, then days

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Speaker 4: like today they're just noise. Remember that every single market

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Speaker 4: crash and every single correction in history has actually been

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Speaker 4: followed by a recovery and then new highs, literally every

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Speaker 4: single one, and I'm fully betting that this time is

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Speaker 4: not going to be any different. If you want to

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Speaker 4: feel even more confident about investing through market ups and

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Speaker 4: then market downs, my friend, now is the perfect time

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Speaker 4: to check out my investing masterclass. It's designed to help

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Speaker 4: you build wealth without stressing over market dips, so you

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Speaker 4: can invest with strategy, not emotion. I'm obviously going to

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Speaker 4: link that for you in the show notes, but my friends,

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Speaker 4: that is honestly it from me. That is the rant

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Speaker 4: of the week. We've covered Trump, We've covered Elon, we

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Speaker 4: have talked about market dips. What I really want from

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Speaker 4: you is for you to keep your call when everyone

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Speaker 4: else is losing theirs and you're all going to be

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Speaker 4: the one laughing all the way to the bank. I'll

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Speaker 4: catch you next week for another episode of She's on

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Speaker 4: the Money, My Friends. The if by shared on She's

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Speaker 4: on the Money is general in nature and does not

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Speaker 4: consider your individual circumstances. She's on the Money exists purely

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Speaker 4: for educational purposes and should not be relied upon to

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Speaker 4: make an investment or financial decision. If you do choose

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Speaker 4: to buy a financial product, Read the PDS, TMD and

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Speaker 4: obtain appropriate financial advice.

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Speaker 2: Tailored towards your needs.

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Speaker 4: Victoria Divine and She's on the Money are authorized representatives

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Speaker 4: of Money. Sheper pty Ltd ABN three two one IS

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Speaker 4: six four nine two seven seven zero eight AFSL four

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Speaker 4: five one two eight nine