Speaker 1: Hello.
Speaker 2: My name is Satasha Nabananga Bamblet. I'm a proud or
Speaker 2: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 2: we get started on She's on the Money podcast, I
Speaker 2: would like to acknowledge the traditional custodians of the land
Speaker 2: of which this podcast is recorded on a wondery country,
Speaker 2: acknowledging the elders, the ancestors and the next generation coming
Speaker 2: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 2: and the storytelling of you to make a difference for
Speaker 2: today and lasting impact for tomorrow.
Speaker 1: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 4: Hello, and welcome to She's on the Money, the podcast
Speaker 4: that were and just tell you to think rich, but
Speaker 4: we'll actually show you how to get rich. If you've
Speaker 4: been on TikTok lately, you've probably seen people claiming they
Speaker 4: manifested a dream job, a new car, or even thousands
Speaker 4: of dollars. But is this just luck or a mindset shift,
Speaker 4: or is there something else entirely at play. I'm excited
Speaker 4: in joining me today is a woman who happens to
Speaker 4: be a finance expert and have a background in behavioral psychology,
Speaker 4: so basically the perfect person to help us get to
Speaker 4: the bottom of these questions.
Speaker 1: I'm so excited about this.
Speaker 5: Ah, this is something that grinds my gears. And a
Speaker 5: lot of people are going to be like, Victoria divine,
Speaker 5: what are you doing? Why are you saying manifestation isn't real?
Speaker 5: That's going to make a lot of people mad. Totally
Speaker 5: just a GRICI who we love and adoor and she
Speaker 5: can manifest things on Facebook Marketplace and I'm all like, yep,
Speaker 5: you go, Queen, Like I'm ten out of ten on
Speaker 5: board with this. Yes, I still don't believe that manifestation
Speaker 5: is real.
Speaker 4: I have to say I feel a bit similar, and
Speaker 4: I think that it can be a self fulfilling profit.
Speaker 4: See if you manifest something.
Speaker 5: So bad that I'm like, oh, it's not real. And
Speaker 5: so many people are like, oh my god, I manifested this.
Speaker 5: I manifested my dream life. I manifested a new car,
Speaker 5: manifested a pay rise.
Speaker 1: Like you actually didn't you work hard?
Speaker 5: You did that, you did that, you didn't manifest it.
Speaker 5: And like, I'm a very big believer in talking to
Speaker 5: the universe. Like growing up, my mom and I used
Speaker 5: to talk about like, oh, if you want something, like
Speaker 5: throw it out to the universe. And I love that
Speaker 5: concept of like, you know, sharing something because like even
Speaker 5: when we like look at the research, right, we know
Speaker 5: that if you write down a goal, you're more likely
Speaker 5: to achieve it because it becomes more real. And I
Speaker 5: think this concept of manifestation is quite similar. It's just
Speaker 5: you actioning plans, but you're giving the credit to someone
Speaker 5: else other than you. And I don't like that, nor
Speaker 5: that we should be proud of what we've done and
Speaker 5: what we've achieved, because it's not luck.
Speaker 1: Like you're not a lucky girl.
Speaker 5: You are actually just working hard and keeping your eye
Speaker 5: on the price.
Speaker 4: Oh yeah, Like that's this episode. I thought you were
Speaker 4: going to squash some dreams, but I feel like.
Speaker 1: I've squashed some dreams.
Speaker 5: But then I'm going to bring you back up and
Speaker 5: will actually, Babe, it's you, and you should be proud
Speaker 5: of you, and this is how it works, and this
Speaker 5: is what it looks like.
Speaker 1: Because I'm not going to give the credit to someone else. Absolutely.
Speaker 4: I think at the end of the episode will be like,
Speaker 4: you know where the power was all along within us? Okay,
Speaker 4: it's going to be really fluffy oh yeah, So before
Speaker 4: we get too deep into where the manifestation actually works,
Speaker 4: let's have done it properly.
Speaker 1: Yeah, sorry, I'm going to ruin that.
Speaker 5: I feel like, okay, I should have done like a
Speaker 5: hook and then like, oh, what have these thoughts?
Speaker 1: I'll tell you after the breton. I already told you. Sorry,
Speaker 1: my adhd jo Dad.
Speaker 4: She's not a mysterious woman exactly how she's feel.
Speaker 5: Like, do you know how many social interactions I go
Speaker 5: into And I'm like, wow, I really overdisclosed there.
Speaker 1: Well I know my entire personal history.
Speaker 4: Hey, we love an overshareer. Yeah, look, I'm not mad. No,
Speaker 4: So when people talk about manifesting money, what do they
Speaker 4: actually mean?
Speaker 5: Like, it's this concept that you're believe can shape and
Speaker 5: create reality, and that's really nice. Like the concept of
Speaker 5: this is really good. And the idea is that by
Speaker 5: simply focusing on something in particular it could be like
Speaker 5: wealth or success or even love, you're able to like
Speaker 5: attract it into your life. And I think that that
Speaker 5: at a crux is true, like the more you focus
Speaker 5: on something, the more likely you are to recognize that
Speaker 5: and you can attract it into your life back and
Speaker 5: you know, there's a lot to it. I'll tell you
Speaker 5: in a hot second about my yellow Honda Jazz. Oh yeah, Okayrie, Like,
Speaker 5: that's my theory I have coined. But the idea is
Speaker 5: actually deeply rooted in what they call the law of attraction.
Speaker 5: I think we've all heard of the laws of attraction
Speaker 5: and how that works, and that suggests that positive thoughts
Speaker 5: then bring positive outcomes, will negative thoughts bring negative ones?
Speaker 1: And this concept has.
Speaker 5: Been so popular after the book and then like subsequent
Speaker 5: TV series The Secret came out.
Speaker 1: I don't know if you've heard of that.
Speaker 5: I watched it and I was like, this is hufflepuffle fluff,
Speaker 5: Like that's not for me. But I do, on a
Speaker 5: base level think that as individuals, we attract what we
Speaker 5: are searching for. We are literally trying to find particular things.
Speaker 5: It's like confirmation bias, right, And this is a legit
Speaker 5: psychological phenomenon where beck you might have a particular political view,
Speaker 5: and therefore any information I put on the table that
Speaker 5: disregards that or is in opposition of that, You're probably
Speaker 5: going to be like, it's not real. You're probably gonna
Speaker 5: be like, no, that's not for me. You're also not
Speaker 5: going to take the time and energy and effort to
Speaker 5: dive into that information. But if I present you with
Speaker 5: some research that further confirms an opinion or a belief
Speaker 5: you already hold, you're going to be like, oh, this
Speaker 5: is legit.
Speaker 1: I told you it was real.
Speaker 5: Yeah, Like I definitely knew that already, so it's a
Speaker 5: legitimate phenomenon.
Speaker 1: And that's okay.
Speaker 5: But confirmation exists in human nature, and I think that
Speaker 5: as human beings we really love this concept of manifestation
Speaker 5: because it is all about attracting more positiveness, and as humans,
Speaker 5: we are hard wired to be inherently negative.
Speaker 1: Beck right, you know I've spoke about this on the
Speaker 1: podcast before.
Speaker 5: If we go back to like caveman times, it was
Speaker 5: fight flight, like you didn't have like, oh, I'm going
Speaker 5: to like manifest positive energy, Like you had to make
Speaker 5: sure that you had food and water, and often that
Speaker 5: meant being really aggressive and fighting over that and always
Speaker 5: planning for the worst, like what winter's coming. We need
Speaker 5: to stockpile things, We need to make sure that we
Speaker 5: are protecting ourselves, that we are warm, like all of
Speaker 5: those basic needs needed to be met, and the best
Speaker 5: way to do that is with a sense of fear
Speaker 5: with the sense of like, you know, making sure that
Speaker 5: we have these things, because if you didn't have that
Speaker 5: sense of fear or you know, feel like you needed
Speaker 5: to control that, how were you going to survive?
Speaker 1: Yeah, but we flip that.
Speaker 5: We're now in twenty twenty five and most of us
Speaker 5: have the privilege of having our basic needs met. And
Speaker 5: I'm saying most of us because they don't want people
Speaker 5: to listen to this and be like, well, I don't
Speaker 5: have that, and that is awful, and that's why I exist.
Speaker 5: And I want you to learn and be able to
Speaker 5: access information that puts you in a different position. But
Speaker 5: like most of us have access to safe food, safe water,
Speaker 5: We have a roof over our heads, you know, we
Speaker 5: have secure attachments, and we are okay. So now we
Speaker 5: have the privilege of being able to create a positive life.
Speaker 5: It doesn't actually come inherently natural to us. It actually
Speaker 5: comes as a challenge to everything we are hardwired to do.
Speaker 5: So people who are really positive, they've just been practicing
Speaker 5: it better. It's kind of like a muscle. It's kind
Speaker 5: of like having some memory and being able to flex
Speaker 5: that muscle. And my yellow Honda Jazz theory back when
Speaker 5: was the last time you saw a bright yellow Honda Jazz.
Speaker 4: I think I know where you're going.
Speaker 5: I promise over the next week you can see so
Speaker 5: many of them. You are going to see so many
Speaker 5: yellow Honda jazz Is. They are going to be everywhere.
Speaker 5: You know, that bright yellow Yeah, you know, go to.
Speaker 1: Me like, not that many people have them.
Speaker 5: That many people have them, but you're not noticing them
Speaker 5: because you weren't looking for them. So if we are
Speaker 5: not looking for something, we are disregarding it. But if
Speaker 5: we start to go, oh, I want more positive energy,
Speaker 5: or I want to really focus on good things.
Speaker 1: That happen to me.
Speaker 5: Beck, I'm so fluffy, and I have really been focusing
Speaker 5: on my mindset and I've been really focusing on, you know,
Speaker 5: embracing positive things.
Speaker 1: I literally have.
Speaker 5: A note pinned in my phone and it says, good
Speaker 5: things happen to me, And it's a list of things
Speaker 5: that are good that have happened to me, and I
Speaker 5: make a conscious effort to write them down. It could
Speaker 5: be Zara picked up a coffee on the way to
Speaker 5: work for me and that was really sweet, or it
Speaker 5: could be, you know, something really positive, like I got
Speaker 5: my dream client, but it's not about you know, how
Speaker 5: big or small they are. It's about making a conscious
Speaker 5: effort to reiterate to myself the good things that happening.
Speaker 5: Because when I'm reiterating that, I'm consistently looking for more
Speaker 5: good things to add to the list, and therefore my
Speaker 5: life is becoming more positive because I'm searching it out.
Speaker 1: Beck. That's beautiful, Vda.
Speaker 5: So it's not just about you know, positive vibes and like,
Speaker 5: that's where I'm at in my journey right now. I
Speaker 5: want to make sure that I'm really focusing on the
Speaker 5: positive because when I'm focusing on the positive, I am
Speaker 5: happier and kinder and all of these other things. And
Speaker 5: I feel like that's the energy I want to be
Speaker 5: bringing into the room every day. But you might say, well,
Speaker 5: I really need to save or I really need to invest,
Speaker 5: and that's where we really want to focus on. You know,
Speaker 5: maybe you have a list and it's like, I'm really
Speaker 5: good at saving, and you like, make a list of
Speaker 5: all the good things that you did that are positive
Speaker 5: steps towards that saving skull. Yeah, you know you might, Beck,
Speaker 5: And I'm going to use you as an example, be like, oh,
Speaker 5: v I didn't buy coffee again today. That might be
Speaker 5: small to other people, but to you, like, I know
Speaker 5: that's a lot, Like you love a coffee, and I
Speaker 5: think that it's so important to be like, yeah, I
Speaker 5: actually upheld my savings goal, or I you know, it
Speaker 5: was able to chuck an extra five bucks in here,
Speaker 5: Like let's find small good things. Yeah, because we are
Speaker 5: so used to telling ourselves these negative stories and we
Speaker 5: are so used to confirmation bias that And I'm going
Speaker 5: to use you as an example again because you've spoken
Speaker 5: about it before. You have said before on this podcast, Victoria,
Speaker 5: I'm so bad at money, Yes, but you're not. You're
Speaker 5: just seeing all the things. But like you have set
Speaker 5: up so many cool things this year to put yourself
Speaker 5: in a better position, Like you have a new job,
Speaker 5: you've got a great income, You've started to really prioritize
Speaker 5: your savings. You have done all these great things. I
Speaker 5: would argue that you're not bad at money, you're just
Speaker 5: not on that journey and so far down the line
Speaker 5: that you've got you know, mass amounts of savings and
Speaker 5: your investment and whatnot.
Speaker 1: But like you're investing, you're saving your money.
Speaker 5: I know you're transferring the money for coffee, like little
Speaker 5: things in the right direction. But like you're good at
Speaker 5: this thank YOUVD, You're not searching for confirmation of that.
Speaker 5: You are probably so hard wired to start searching for
Speaker 5: things that reiterate old you. Yeah, like, if you hypothetically
Speaker 5: fell off the bandwagon and bought a coffee, you'd be like,
Speaker 5: of course I did. I'm Beck, and that's just what
Speaker 5: I do. Instead of going, oh my goodness, I fell
Speaker 5: off the bandwagon, New BEC wouldn't do that. New Beck
Speaker 5: would have X, Y Z, and New Bec would be
Speaker 5: celebrating the smaller wins like that are along the way
Speaker 5: on the savings journey.
Speaker 1: Does that make send?
Speaker 4: Yeah, it does.
Speaker 5: So it's not whether you want to be more positive
Speaker 5: or manifest you know, heaps of savings like Beck, If
Speaker 5: you said I'm going to start manifesting savings, I would
Speaker 5: be like, well, you're not setting yourself up for success,
Speaker 5: because success actually has a step by step plan. Yeah,
Speaker 5: right now, you're gonna let somebody else take the credit
Speaker 5: for your good change.
Speaker 1: Huh No, Yeah, absolutely not so.
Speaker 5: I think it's not so important to start talking about
Speaker 5: you know, what this actually means for you and all
Speaker 5: of these manifestation people online who are like, oh my god,
Speaker 5: I manifested this, girl. No, you did, didn't manifest it.
Speaker 5: You just wrote down a plan and then you made
Speaker 5: that plan happen. How many times have you heard people
Speaker 5: on TikTok talking about I manifested this because I journaled
Speaker 5: every morning goal You sat down and you reiterated your goals.
Speaker 4: In the morning exactly. Yeah, yeah, yeah, seriously, Like that's
Speaker 4: easy feet, that's no easy feet.
Speaker 1: But you're not giving yourself credit.
Speaker 5: You're like letting this fluffier version of you know, goal
Speaker 5: setting guide your reality.
Speaker 1: And that's so nice.
Speaker 5: But like vision boarding, Yeah, that's not manifestation, that's action planning. Yes,
Speaker 5: that's so, that's your planning what you want your dream
Speaker 5: life to look like, so that those steps you're taking
Speaker 5: every single day are easier to understand, easier to visualize. Like,
Speaker 5: you know, this coffee thing for you if you are
Speaker 5: literally cutting coffee and you feel like you're missing out Beck,
Speaker 5: but you had his vision board with really pretty images
Speaker 5: that reiterated I'm going to go to this festival and
Speaker 5: I'm going to you know, live more of my dream
Speaker 5: life and have some savings to go on a holiday.
Speaker 1: With my girlfriend.
Speaker 5: Jess, like if you saw that every day, would not
Speaker 5: not reiterate why the plan is working?
Speaker 2: Yeah?
Speaker 4: Yeah, yeah, and then you would be doing those things
Speaker 4: day to day without even realizing.
Speaker 5: Really, it's not or I don't think it's manifestation. It's
Speaker 5: literally you just did some goal setting and you found
Speaker 5: a fancy way to call it manifestation. And we don't
Speaker 5: need to reach out to a higher being to help
Speaker 5: us do this, because you're the being that does it exactly.
Speaker 4: The power is within you, Okay for you. So TikTok says,
Speaker 4: you can just think your way to wealth.
Speaker 5: Yeah.
Speaker 4: Absolutely, I've been thinking real hard.
Speaker 1: You've been thinking really years.
Speaker 4: Yeah, but I still have like seventeen dollars.
Speaker 1: We haven't manifested hard. That's the problem.
Speaker 4: I think I haven't been manifesting and thinking hard enough.
Speaker 1: Yeah.
Speaker 4: What does signs say? And can they answer the one
Speaker 4: burning question, which is why am I not rich?
Speaker 2: Look?
Speaker 1: Let me try and answer that.
Speaker 5: I guess we're goin to scientific and behavioral site perspective.
Speaker 5: Manifestation quotation marks is when we engaging in a series
Speaker 5: of I guess psychological and neurological processes. I'm done with that.
Speaker 5: It's actually how our brains filter information, which influences our behavior,
Speaker 5: which then shapes the way that we make decisions. And
Speaker 5: we are reinforcing the ones that we want to keep
Speaker 5: and not reinforcing the ones that we don't want to keep. Sure,
Speaker 5: so like we are reinforcing processes that are stepping in
Speaker 5: the right direction. And I guess if we look at
Speaker 5: the process of what actual manifestation looks like or how
Speaker 5: it can work, is you're kind of like priming your
Speaker 5: brain so that you are now noticing more bright yellow hondageazzes.
Speaker 5: You are now noticing more money related opportunities. You are
Speaker 5: now you know, consistently filtering information or manifesting what you
Speaker 5: want to focus on, Like you are actively trying to
Speaker 5: seek out the thing you want more of. And that's
Speaker 5: really cool. So I guess if you said av you know,
Speaker 5: why don't I reach it? Don't know how to answer
Speaker 5: that yet for you, Beck, but I do know how
Speaker 5: to say, I want to get richer. That's fantastic. You're
Speaker 5: going to start manifesting or you're going to start prioritizing
Speaker 5: the question of like I want to increase my income,
Speaker 5: and you're consistently looking for opportunities to do that, and
Speaker 5: your brain is going to start highlighting you know, maybe
Speaker 5: a new job opportunity because that would increase your income.
Speaker 5: Maybe you know salary discussions and you're maybe searching out
Speaker 5: content online for that. Maybe you are looking at investment opportunities,
Speaker 5: or even like you're more likely to leap to doing
Speaker 5: some short things on the weekend, like I know that
Speaker 5: you do like little jobs here and there for your
Speaker 5: friends and family, Like you might be more willing to
Speaker 5: take that on because you're like, yeah, I want more money,
Speaker 5: like I'm manifesting that. So then this job felt like, oh,
Speaker 5: you're manifesting it. But if somebody else had asked you,
Speaker 5: i'll beck on the weekend, could you give me a
Speaker 5: hand doing this, I'll give you fifty bucks, you might
Speaker 5: have been like, oh, it's not really worth it, like
Speaker 5: CBS and doing something else.
Speaker 1: But if you're really focused on making someone.
Speaker 5: You're like, oh, I was saying this week that I
Speaker 5: wanted to make more money, and then this opportunity manifested
Speaker 5: itself into.
Speaker 1: My life for Saturday.
Speaker 4: Yeah yeah, yeah, Like.
Speaker 5: You're seeing things differently. And the reason for this is
Speaker 5: ras so ARES is the reticular activating system and it
Speaker 5: basically acts as like a little gatekeeper, like they're the doorman,
Speaker 5: and they are prioritizing what you think is important and
Speaker 5: bringing it in and then also being like, nope, you're
Speaker 5: not wearing any shoes, you can't come in the pub,
Speaker 5: and kicking things out really quickly, so we're not even
Speaker 5: considering them. So it's so important because by having this system,
Speaker 5: and it's not you actually having to do this, this
Speaker 5: is actually how your brain works. We're actually strengthening our
Speaker 5: belief in what isn't isn't achievable, which ultimately is going
Speaker 5: to boost your confidence. And we need to reiterate these
Speaker 5: behaviors right Like I would argue again using you as
Speaker 5: an example, that you're more confident with money now, and
Speaker 5: it doesn't mean that you have millions in the bank,
Speaker 5: but it means that you're probably more likely to make
Speaker 5: smaller money decisions with less stress because we are really
Speaker 5: focusing on that positive stuff.
Speaker 1: But it wasn't manifestation.
Speaker 5: It was you creating a plan and starting to reinforce
Speaker 5: that the plan is working because you're working on it,
Speaker 5: and that actually means that you're changing your narrative and
Speaker 5: you're not bad at money, thank YOUVD, but that is
Speaker 5: for everybody. That's not just a bech thing, that's all
Speaker 5: of us. I was doing a live webinar last night
Speaker 5: and I was talking to a whole heap of people
Speaker 5: about like budget and cash flow and just we're not
Speaker 5: giving ourselves enough credit for the small wins because I
Speaker 5: think so often we're comparing ourselves to other people who
Speaker 5: are close to us, who might be better at money. And
Speaker 5: I know you've mentioned before, Oh, my girlfriend's really good
Speaker 5: at money, so your benchmark might actually be however many
Speaker 5: savings your girlfriend has, sure, and then you look at
Speaker 5: yours and go, I'm crapp in comparison, But.
Speaker 1: Like that's not true.
Speaker 5: Like you are on your journey and she is on hers,
Speaker 5: and she might be like fifty hours into the road
Speaker 5: trip and you're like half an hour in, and then
Speaker 5: you're like, why aren't I further Like because you haven't
Speaker 5: done the driving yet, beck like you've got to spend
Speaker 5: the time doing it, and these small steps in the
Speaker 5: right direction.
Speaker 1: One day you look back and go, oh, my.
Speaker 5: Goodness, I drove from Melbourne to Queensland, Like that's wild.
Speaker 5: But it didn't feel that way. Yeah, so I think
Speaker 5: it's so important to really embrace this because if you're
Speaker 5: truly believing that you are capable of building wealth, then
Speaker 5: you're more likely to step into places that help you
Speaker 5: do that. You're more likely to negotiate a pay rise,
Speaker 5: you are more likely to apply for a higher paying job.
Speaker 5: You're more likely to stop yourself when you want to
Speaker 5: dip into your savings because you're like, no, that's not
Speaker 5: worth it because it's not in line with what my
Speaker 5: bigger goal is or what I'm trying to achieve.
Speaker 1: And why the placebo effect. Yeah, literally the policy place ebo.
Speaker 5: It shows that belief alone can change your legit psychological
Speaker 5: and behavioral responses. Research that essentially takes one person Beck
Speaker 5: and another person. They're both like, have a bit of
Speaker 5: a headache. One of them gets panadal, the other gets
Speaker 5: are smarty, but they're told it's panadal. They both have
Speaker 5: no headache caft. Yes, Like, that's how I want my
Speaker 5: money to work. I want you to tell me I
Speaker 5: can do it, and then I want to inherently believe it.
Speaker 5: And if that means I'm eating as smarty, I don't mind.
Speaker 5: It's like those melotonein gummies, like you know, the ones
Speaker 5: that you have at night help you sleep.
Speaker 1: I don't know if they work. I actually don't.
Speaker 5: Well, I continue to take them absolutely. They're just part
Speaker 5: of my little process right now, and I believe that
Speaker 5: they help me sleep better. And I don't even care
Speaker 5: if you say that they don't work, no, because they
Speaker 5: are working for me absolutely.
Speaker 4: The other night, I actually rolled over and I took
Speaker 4: an eyebroprofe thinking it was a little one of my
Speaker 4: sleeping helpers, and then I drifted off into the most
Speaker 4: beautiful deep sleep. And then I woke up in the
Speaker 4: morning it was ybroprofen that I turned around. I was like,
Speaker 4: oh my god, I did even have on. But I
Speaker 4: had the most RESTful scene in my life that.
Speaker 5: If you believe you can at leave, you can cheer,
Speaker 5: believe you can you cheat.
Speaker 1: You trick yourself.
Speaker 5: You've got to trick yourself like Gaslight, gay keep girl
Speaker 5: Boss exactly.
Speaker 1: Do it to yourself, not to others exactly.
Speaker 5: And I think that that way right, we're creating an
Speaker 5: action orientated mindset, like we are actively trying to work
Speaker 5: towards this like a manifestation. When we start talking about
Speaker 5: these genuine psychological phenomenons and we are starting to talk about,
Speaker 5: you know, the science behind the placebo effect and all
Speaker 5: of that.
Speaker 1: You go, well, manifestation, that's a bit of fluff.
Speaker 5: I'm a research girlie, Like, I am not the type
Speaker 5: of girl that is going to be like, oh yes,
Speaker 5: I'm going to skip down the road and I have
Speaker 5: my green smoothie and manifest my dream life. Like, sorry,
Speaker 5: that's not for me, and that is so fine if
Speaker 5: it is for you. One of my best friends does
Speaker 5: that and I love it for her and she's like,
Speaker 5: you're gonna think it's bullshit, but yeah, I am, but
Speaker 5: also love you love that this works for you exactly.
Speaker 1: And I think that that way.
Speaker 5: It's about making decisions in line with our goals and
Speaker 5: giving ourselves credit for that, not being like, yeah, I
Speaker 5: really manifested that. Wait, no, girl, you created a plan.
Speaker 5: You didn't just think it into fruition. You worked hard
Speaker 5: for that to come to fruition. And I guess when
Speaker 5: we quote manifest we can use affirmations like I am
Speaker 5: a rich man, I am financially successful, and I'm not
Speaker 5: being facetious. That's you psychologically reiterating to yourself a narrative
Speaker 5: that you want to become true. And if you write
Speaker 5: it down, if you speak it, if you consistently prioritize it,
Speaker 5: that will become your truth. Yes, that will become your
Speaker 5: reality because that is your focus.
Speaker 4: Someone said, someone offers you a cigarette at a party.
Speaker 4: This is very maybe not relevant to everybody.
Speaker 1: A cigaretteed aparty exactly.
Speaker 4: And there's definitely difference between girl, you're cool, you always
Speaker 4: say yes, es man, And if you say I'm not
Speaker 4: a smoker versus I'm trying not to smoke, then that changes.
Speaker 5: It changes something because that's actually not in line with
Speaker 5: my values.
Speaker 4: Yeah, like if you're like the other one's leaving the
Speaker 4: door open. Yes, it's like I am a smoker, but
Speaker 4: I'm not. I'm trying not to right now, but I'm
Speaker 4: not a smoker. It's kind of like the really is
Speaker 4: power in words?
Speaker 5: One hundred percent there is, And I'm going to flip
Speaker 5: it back to finance, but this applies to your cigarette example. Yeah,
Speaker 5: Like there are studies on financial growth mindset, and they
Speaker 5: show us that people who believe that they can improve
Speaker 5: their financial situation they take more proactive steps towards their wealth.
Speaker 5: Because confidence makes us more likely to take financial risks.
Speaker 5: It means we're maybe going to start a business, or
Speaker 5: we might be happy to start investing, or we might
Speaker 5: ask for a pay rise. But by doing this and
Speaker 5: by believing that we can, like we are actually going
Speaker 5: to achieve that. And that's why whenever people say I'm
Speaker 5: not good at money, I'm like, you stop that right now, Like,
Speaker 5: you stop because that is not a thing. Like, there's
Speaker 5: no such thing as people who are bad with money.
Speaker 5: Like there are people who currently are not managing money
Speaker 5: in line with their values. There are people who are
Speaker 5: currently managing money in a way that they aren't happy with.
Speaker 1: We can change all of that. But bad at money, Like,
Speaker 1: what's that even mean?
Speaker 5: Yeah? Like bad at it? No, absolutely not. You're adding
Speaker 5: an emotion to a tool. And right now, you know,
Speaker 5: you might be in massive consumer debt and you're like,
Speaker 5: v I am pretty bad at money. But yep, well,
Speaker 5: actually the reality of that situation is all you did
Speaker 5: was spend more than you earned.
Speaker 1: We just had an imbalance. Yeah, let's fix it.
Speaker 5: And I think that by doing that, you're giving yourself
Speaker 5: permission to not perpetuate this negative loop. Like I want
Speaker 5: to break that, Like I don't want to hear anyone
Speaker 5: saying they're bad at money.
Speaker 1: You're listening to a money podcast. You can't be that
Speaker 1: bad at it.
Speaker 5: True, you're clearly open to having this conversation. Do you
Speaker 5: know how many people until they're eighty bury their heads
Speaker 5: in the sand about finance and it detriments every single
Speaker 5: part of their life, Like they can't afford the cigarettes
Speaker 5: at the party? Beck, God, how do you offer someone
Speaker 5: a cigarette at a party if you can't afford to
Speaker 5: buy the debt for them?
Speaker 4: We're like one thousand dollars now.
Speaker 5: Oh my god, Like I'm kind of glad because they
Speaker 5: don't want you guys literally getting cancer, Like yeah, you
Speaker 5: know how I feel about that?
Speaker 1: Oh yeah, and that's fine.
Speaker 5: But like, also you do you thank I'm all about
Speaker 5: giving you the education, yep. You being able to weigh
Speaker 5: up the pros cons make your decision that's in line
Speaker 5: with your values. Like how bad would it be if
Speaker 5: you didn't know that information existed? Like I feel like
Speaker 5: this is going back to like where my grandpa, sorry pop,
Speaker 5: he's not around anymore. He was like smoking from when
Speaker 5: he was fourteen.
Speaker 2: Yeah yeah, and.
Speaker 5: Like that was really positive for him, Like he would
Speaker 5: smoke at school, like he would do all of that
Speaker 5: and that was really normal, and then he did quit.
Speaker 5: But according to him, wasn't that bad because he never
Speaker 5: got cancer from it. Huh So according to him, it
Speaker 5: was absolutely fine. But growing up he didn't have any
Speaker 5: of the education and the privilege of knowledge that we
Speaker 5: have to make decisions in line with our values in
Speaker 5: the same way that we do today.
Speaker 4: Yeah.
Speaker 1: Same goes with money.
Speaker 5: Like if he wasn't able to access financial information, or
Speaker 5: anyone was then able to access financial information right now,
Speaker 5: you could google it.
Speaker 1: I have seven hundred free episodes to help you be
Speaker 1: really good with money. God, she's good.
Speaker 4: You're doing God work.
Speaker 1: I'm trying. I'm trying, but you're not bad with money. Okay.
Speaker 1: End of stories.
Speaker 4: We have to stop saying that right now. So manifestation
Speaker 4: kind of works, but not because the universe is.
Speaker 1: Rarding your good vibes.
Speaker 4: Yeah, but just because your brain starts working a way
Speaker 4: that makes financial success more.
Speaker 5: Likely one hundred percent. And I think that that is
Speaker 5: really sexy. But it is a choice. It's not some
Speaker 5: fluffy thing where you're letting it, you know, be up
Speaker 5: to the universe. As I said before, my mom and
Speaker 5: I used to say, oh my gosh, ask the universe
Speaker 5: do you know what I do still like, don't get
Speaker 5: me wrong, I do fluffy things. I know they're not real, though,
Speaker 5: Like maybe I need to buy more into it because
Speaker 5: like the placebo effect would have a higher value. I
Speaker 5: still believe in parking karma, Beck, Like if you let
Speaker 5: people merge in front of you, like that's like getting
Speaker 5: some points that go towards you being allowed to like
Speaker 5: get a really.
Speaker 1: Good spot at the supermarket. Yeah, okay.
Speaker 5: And like if we turn into a car park, anyone
Speaker 5: who's ever been in the car with me.
Speaker 1: I go, I beg. We're gonna have parking karma today,
Speaker 1: aren't we? And you have to say yeah? And if
Speaker 1: you say no, I'll be Beck. You're ruining it. You're
Speaker 1: ruining the vibes. We need positive vibes, Like I.
Speaker 5: Need you to also be on this train, Like we
Speaker 5: both deeply believe we are going to get a good park.
Speaker 1: Yeah yeah, yeah, never not had a good park.
Speaker 4: Wow, I'm going to try that.
Speaker 5: We always believe if you tell yourself something, you're more
Speaker 5: likely to spot it. Obviously parking is really fluffy, but
Speaker 5: I think it's so important. Also give ourselves credit because
Speaker 5: I can say I manifested a car park.
Speaker 1: Well, you didn't.
Speaker 5: Manifest a pay rise. You worked hard for that pay rise.
Speaker 5: You put time and energy and effort into researching it.
Speaker 5: You improved your confidence, so walking in the door wasn't
Speaker 5: overwhelming like you did that. Let's just leave manifestation for
Speaker 5: car parks and then we work really hard for positive
Speaker 5: things that happen in our lives.
Speaker 4: Yes, we made a plan, manifestation hard work. Well, I
Speaker 4: think let's go to a really quick break and absorble
Speaker 4: as information. Welcome back everyone. Okay, so v weinging straight
Speaker 4: back into it manifestation law of attraction?
Speaker 1: Is there a.
Speaker 4: Downside I could ever backfire?
Speaker 5: I'm assuming, Like gosh, I had to do some research
Speaker 5: because I'm like, I don't see how much could backfire
Speaker 5: if we are creating a plan and working towards it.
Speaker 5: But there's actually a study from the University of Queensland
Speaker 5: that found people who strongly believe in manifesting wealth were
Speaker 5: more likely to take financial risks full for get rich
Speaker 5: quick schemes, join multi level marketing compan maybe go bankrupt.
Speaker 5: So that's not that positive, Beck, But I think that
Speaker 5: that is a reflection of your trust, and we need
Speaker 5: to guard our trust very tightly. Like I was actually
Speaker 5: watching a TikTok the other day and someone said, like,
Speaker 5: those who trust easier, or like you know, are super
Speaker 5: kind and super easy to get along with to begin with,
Speaker 5: are actually easier to manipulate. And tho the people that
Speaker 5: are going to get taken advantage the most because you
Speaker 5: just immediately trust other people.
Speaker 1: And that's so fine. But that's why.
Speaker 5: Often people will say, oh, the nice people always get
Speaker 5: taken advantage of, Like, yes, because they genuinely believed that
Speaker 5: you had the same intentions as they did, and those
Speaker 5: intentions were really pure. Like I've heard so many times
Speaker 5: people might say, oh, Via, I can't believe they took
Speaker 5: advantage of me.
Speaker 1: I just didn't see it coming.
Speaker 5: It's like, that's awful that that happened, But that is
Speaker 5: actually a reflection of them and not of you, because
Speaker 5: you would never have done this, so you would just
Speaker 5: assume everybody else wouldn't do this, so why would.
Speaker 1: You think about it?
Speaker 4: Exactly? The tension always falls on the person who has
Speaker 4: taken advantage of, and never like, oh, isn't it weird
Speaker 4: that really awful people take advantage? They always say, oh,
Speaker 4: isn't it weird that nice people always get take advantage
Speaker 4: of let's put our attention on.
Speaker 5: The So we need to protect ourselves as well and
Speaker 5: make sure that our goals are in line with our values.
Speaker 5: I think in the finance world, like I have met
Speaker 5: so many people that have a sense of urgency. I
Speaker 5: have a sense of urgency for you, Beck, and that
Speaker 5: is for you to get your stuff together. It's not
Speaker 5: to see a financial advisor, get a professional involved, pay
Speaker 5: for something. If somebody is ever trying to get you
Speaker 5: to part with your money on a time crunchy, I promise.
Speaker 1: Don't have your best interests at heart.
Speaker 5: They have thisir whether that is a sale email in
Speaker 5: your inbox and that email is being like, oh my.
Speaker 1: Gosh, twenty four hours to go, Like, you better get
Speaker 1: in otherwise.
Speaker 5: You might miss out. They don't care if you personally
Speaker 5: missed out. They're trying to reach their sales targets. That
Speaker 5: was always about them and never about you. That's very true,
Speaker 5: and the same is true for finance products. The same
Speaker 5: is true for multi level marketing companies. The same is
Speaker 5: true for you know, going and taking additional financial risks
Speaker 5: without weighing up the pros and cons, Like you need
Speaker 5: to do your research as well, like, don't just trust
Speaker 5: what somebody says. And that's one of the reasons why,
Speaker 5: you know, I obviously have heaps of free resources on
Speaker 5: my website, but I will always tell you go to
Speaker 5: the money Smart website.
Speaker 1: It's non viaus. I didn't write.
Speaker 5: It's going to reiterate what I'm saying, and it's going
Speaker 5: to put you in a good position, because I don't
Speaker 5: want you to just trust me like I would love
Speaker 5: for that, because I know I have your best interests
Speaker 5: at heart, but I need you to go to market.
Speaker 5: I need you see lots of other things and know
Speaker 5: that what I'm saying is going to put you in
Speaker 5: a better position because I want you to manifest that.
Speaker 4: Yeah, yeah, okay, So we know that manifestation can be helpful,
Speaker 4: but only when it's backed by action. So how do
Speaker 4: we actually use manifestation in a way that works?
Speaker 1: All right?
Speaker 5: So if we want to use manifestation and goal setting
Speaker 5: to our advantage, I did a bit of research and
Speaker 5: there is a science back technique called whoop whoop whoop.
Speaker 1: I don't know, do you say whoop whoop? I don't know?
Speaker 5: Oh yeah, but you can pick whatever you're more comfortable with.
Speaker 5: But it's honestly from all of my research and what
Speaker 5: I've been looking into, I was like, I'm going to
Speaker 5: find a really good plan. Like I'm not about things
Speaker 5: that aren't science backed, and it's so funny because I
Speaker 5: sometimes like to engage in them because they're fun. So
Speaker 5: you know, like the Mind's Breed typology indicator. Yes, yes, yes,
Speaker 5: So we do that in our office and it's beautiful.
Speaker 1: It's so fun.
Speaker 5: Like I love doing the personality quiz. Like my team
Speaker 5: and I we all have very similar personality, so we
Speaker 5: will talking about that and we're like, oh my god,
Speaker 5: we so similar haha. But like that is as legitimate
Speaker 5: as astrology and your horoscope that's written in the weekly paper.
Speaker 5: Like that has absolutely no scientific backing, but sometimes they're fun.
Speaker 5: But I really wanted to find you a science back
Speaker 5: technique to I guess implementing manifestation and implementing goal setting
Speaker 5: in a way that hopefully makes sense but also puts
Speaker 5: you in the best possible position to have literally your
Speaker 5: best year yet. So if you want to turn manifestation
Speaker 5: into genuine finance progress, we're going to whoop and whoop
Speaker 5: stands for wish. What's your financial goal? What is your wish,
Speaker 5: let's write that down outcome. Why does this goal matter?
Speaker 5: Like what's the outcome? Like you want to be better
Speaker 5: at money? But why if you don't know the answer
Speaker 5: to that? But like, if you have a wish and
Speaker 5: you don't have a reason why you want to achieve that,
Speaker 5: going to fall off the bandwagon real quick? Obstacle what
Speaker 5: challenges might actually stop you from achieving this?
Speaker 1: And then plan? So how are you going to overcome
Speaker 1: those challenges? So this was.
Speaker 5: Developed by doctor Gabrielle or Tengi, a psychologist who actually
Speaker 5: spent twenty years researching how people turn their dreams into action.
Speaker 4: Wow, she did the hard work.
Speaker 1: Why don't I come.
Speaker 5: Why don't you have a big book that's like really popular,
Speaker 5: Because that's a lot of time to spend on that,
Speaker 5: and like so many of us want to turn our
Speaker 5: dream into action. You've got twenty years of research. Y,
Speaker 5: speak up, louder, I know. But what she found Beck
Speaker 5: was just visualizing success is not enough, Like you can't
Speaker 5: just say you manifest it and think about it all
Speaker 5: the time. Sure, the people who actually achieve their goals
Speaker 5: are consistently positive thinkers about most things, but they are
Speaker 5: also strategic thinkers. So they are thinking about their plan,
Speaker 5: they are thinking about what might get in the way,
Speaker 5: they are thinking about how they're going to achieve this.
Speaker 5: They're creating a little outline of what steps they need
Speaker 5: to take. It's not just positive thoughts and vibes.
Speaker 1: Will carry you absolutely.
Speaker 4: And this is the thing is that, like, I feel
Speaker 4: like there's definitely a difference between toxic positivity. And I
Speaker 4: do tell my friends this when they're like, no good
Speaker 4: vibes only, I'm like, no, this.
Speaker 1: Way about to admit that they're a negative vibe.
Speaker 4: Base for negativity is a space for sadness, space for
Speaker 4: all the other emotions.
Speaker 1: When it comes to yourself and.
Speaker 4: Your own life, it actually matters what your internal monologue is.
Speaker 4: And you're just being kind to yourself.
Speaker 1: And I am.
Speaker 4: Already feeling empowered or not even at the end of
Speaker 4: this episode yet, but.
Speaker 5: I do feel like it helps, right because I'm all
Speaker 5: about positive thinking. I'm the same I hate toxic positivity. Like,
Speaker 5: you're gonna have bad days at work, and I want
Speaker 5: you to feel comfortable telling me about those bad day
Speaker 5: want flow.
Speaker 1: I want you to feel heard.
Speaker 5: I want your emotions validated, because once they're validated, we
Speaker 5: can move on from them because you Yeah, you're right,
Speaker 5: that is exactly why I feel that way, and this
Speaker 5: is how this works. And then oh, but I don't
Speaker 5: want to focus on it. What I want to focus
Speaker 5: on is X.
Speaker 2: Y or Z.
Speaker 5: Sure, So I think it's just so important to kind
Speaker 5: of have the mix and have both. So I guess
Speaker 5: to recap the WHOOP method is wish, outcome, obstacle, and plan,
Speaker 5: and I think that by doing that we could quote
Speaker 5: manifest way better.
Speaker 4: Okay, I love this, Honestly, I'm quite hopeful. I genuinely
Speaker 4: will try this. So V, what's takeaway from this all?
Speaker 1: Does manifestation actually work?
Speaker 2: Hmm?
Speaker 5: I feel like I ruined it at the start of
Speaker 5: the episode by saying it was bullshit, But that's okay.
Speaker 5: It can work, but only if you are doing it
Speaker 5: right with a whole heap of other things around it.
Speaker 5: Like thinking rich is great, but that's not going to
Speaker 5: make you rich, but thinking ahead is what's actually going
Speaker 5: to build wealth and create the life that you deserve.
Speaker 5: And the best way to manifest money ultimately is.
Speaker 1: Let's set clear goals.
Speaker 5: We need to believe in ourselves, we need to reframe
Speaker 5: our thinking, and we are not shitty at money. We
Speaker 5: are actually really good at money, and we are just
Speaker 5: learning and we are at the start of our journey.
Speaker 5: So I feel like being able to I guess change
Speaker 5: your mindset is going to literally shift your money habits.
Speaker 5: Ultimately that means more money in your bank account and
Speaker 5: you will start creating real wealth.
Speaker 4: I'm really looking forward to this. I hope that you know,
Speaker 4: whoever's listening. If you're driving, don't do this. But if
Speaker 4: you're not driving your SAT or you're standing, just start
Speaker 4: writing this stuff down. Let's start with the whoop method.
Speaker 4: Actually no, I'm going to start with the Honda Jazz Okay.
Speaker 5: Yeah, we're gonna look for the Honda jazz Is and
Speaker 5: then you're gonna be like damn vwers right. Probably should
Speaker 5: listen to that episode again and start quote manifestly properly exit. Also,
Speaker 5: can you DM me your pictures of the yellow Honda
Speaker 5: Jazz because like, I need to get those and then
Speaker 5: they fell off because I mentioned it so long ago,
Speaker 5: But like, you see a Honda Jazz, I'm going to
Speaker 5: need a picture of that to reiterate that my theory
Speaker 5: is a legitimate theory.
Speaker 1: Now it's some you know, hippie Dippy horoscope. All right, guys,
Speaker 1: if you.
Speaker 5: Have loved this episode as much Beck and I have
Speaker 5: loved bringing it to you, make sure to share it
Speaker 5: with a friend who's deep in the TikTok manifestation hole,
Speaker 5: and don't forget to follow and subscribe so that you
Speaker 5: don't miss an episode and we can keep bringing you
Speaker 5: the content that you know and love.
Speaker 1: See you next week, guys.
Speaker 4: Bye guys.
Speaker 6: The advice shared on She's on the Money is general
Speaker 6: in nature and does.
Speaker 5: Not consider your individual circumstances. She's on the Money exists
Speaker 5: purely for educational purposes and should not be relied upon
Speaker 5: to make an investment or financial decision.
Speaker 1: If you do choose to buy a financial product.
Speaker 6: Read the PDS TMD and obtain appropriate financial.
Speaker 1: Advice tailored towards your needs.
Speaker 6: Victoria Divine and She's on the Money are authorized representatives
Speaker 6: of money. Sheper pty ltd ABN three two one is
Speaker 6: six four nine two seven seven zero eight AFSL four
Speaker 6: five one two eight nine.
Speaker 4: He could say