1 00:00:00,200 --> 00:00:02,960 Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations 2 00:00:03,000 --> 00:00:07,280 Speaker 1: woman and I'm here to acknowledge country t Glenn Young 3 00:00:07,320 --> 00:00:11,400 Speaker 1: Ganya Niana, kaka ya Ya bin Ahaka nian Ar gay 4 00:00:11,440 --> 00:00:17,160 Speaker 1: In Mbina yakarum jar dominyamiga Umagahawakawaman damon imlan Wumba, bang 5 00:00:17,160 --> 00:00:22,439 Speaker 1: Gadabomba in and now in wakah ghana on yakraum jar Watnadaa. Hello, 6 00:00:22,480 --> 00:00:25,920 Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people. 7 00:00:26,360 --> 00:00:29,080 Speaker 1: We thank acknowledge and respect the Abiginal people's land that 8 00:00:29,120 --> 00:00:31,880 Speaker 1: we're gathering on today. Take pleasure in all the land 9 00:00:32,080 --> 00:00:35,320 Speaker 1: and respect all that you see. She's on the Money 10 00:00:35,360 --> 00:00:41,960 Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools, 11 00:00:42,400 --> 00:00:44,560 Speaker 1: knowledge and resources for you to thrive. 12 00:00:45,080 --> 00:00:47,840 Speaker 2: She's on the Money. She's on the Money. 13 00:01:08,080 --> 00:01:10,600 Speaker 3: Hello, and welcome to She's on the Money, the podcast 14 00:01:10,680 --> 00:01:13,640 Speaker 3: that usually gives you epic news recaps deep dives into 15 00:01:13,720 --> 00:01:16,920 Speaker 3: budgeting or investing, or what the Reserve Bank's been up to. 16 00:01:17,040 --> 00:01:19,280 Speaker 3: But today it's just you and me. We're going to 17 00:01:19,319 --> 00:01:21,600 Speaker 3: have a little chat because I don't know about you, 18 00:01:22,040 --> 00:01:26,479 Speaker 3: but lately things feel heavy life is loud, the news 19 00:01:26,680 --> 00:01:30,800 Speaker 3: is loud, and social media is loud, and sometimes I 20 00:01:30,959 --> 00:01:33,480 Speaker 3: think what we really need to do is take a 21 00:01:33,560 --> 00:01:36,400 Speaker 3: deep breath, step back, and just be reminded that we're 22 00:01:36,520 --> 00:01:40,240 Speaker 3: actually doing okay. So you know what, That's what this 23 00:01:40,360 --> 00:01:42,440 Speaker 3: episode is about. It's a little bit of a reset, 24 00:01:42,520 --> 00:01:45,680 Speaker 3: a permission slip, per se, a reminder to be a 25 00:01:45,800 --> 00:01:49,240 Speaker 3: little softer with yourself, a moment to say, hey, friend, 26 00:01:49,440 --> 00:01:51,600 Speaker 3: you are actually doing so much better than you think. 27 00:01:52,280 --> 00:01:55,760 Speaker 3: Because here's the thing. If you didn't save in your twenties, 28 00:01:56,240 --> 00:01:59,200 Speaker 3: you haven't failed, You're not behind. There's actually no rule 29 00:01:59,240 --> 00:02:01,760 Speaker 3: book that says you must have it all figured out 30 00:02:01,840 --> 00:02:05,280 Speaker 3: by twenty five or thirty or even forty. And I 31 00:02:05,480 --> 00:02:08,840 Speaker 3: know it feels like there is. I know that every 32 00:02:08,960 --> 00:02:12,520 Speaker 3: single time you scroll you see someone with a renovation 33 00:02:12,639 --> 00:02:15,480 Speaker 3: update or a new car, or a new baby, or 34 00:02:15,480 --> 00:02:18,639 Speaker 3: a pay rise or a picture perfect life. But those 35 00:02:18,720 --> 00:02:23,440 Speaker 3: aren't benchmarks. They're just moments, and someone else's moment doesn't 36 00:02:23,520 --> 00:02:27,240 Speaker 3: take away from yours. Honestly, I wish I had been 37 00:02:27,280 --> 00:02:30,800 Speaker 3: more carefree in my twenties. I was so deeply focused 38 00:02:30,840 --> 00:02:33,960 Speaker 3: on saving and building and quote doing the right thing 39 00:02:34,120 --> 00:02:36,560 Speaker 3: that I sometimes forgot to be a little bit silly, 40 00:02:37,480 --> 00:02:41,320 Speaker 3: a little bit spontaneous per se. Perhaps now because I'm 41 00:02:41,360 --> 00:02:43,880 Speaker 3: in my thirties and life's a little bit more serious, 42 00:02:43,919 --> 00:02:47,880 Speaker 3: I'm thinking about that there are real bills, real responsibilities, 43 00:02:47,919 --> 00:02:50,679 Speaker 3: and while I'm proud of what I have built, I 44 00:02:50,840 --> 00:02:54,639 Speaker 3: also realize how fleeting that younger version of life really was. 45 00:02:55,360 --> 00:02:57,040 Speaker 3: And maybe you're listening to this and you're thinking, well, 46 00:02:57,120 --> 00:02:59,960 Speaker 3: Victoria divine, that is so easy for you to say, 47 00:03:00,120 --> 00:03:02,560 Speaker 3: because you've got drive, you've got direction. But my friend, 48 00:03:02,680 --> 00:03:06,000 Speaker 3: here is the thing that I don't say enough. It's 49 00:03:06,000 --> 00:03:09,079 Speaker 3: actually completely okay to not be career driven. Truly, it 50 00:03:09,200 --> 00:03:12,960 Speaker 3: is okay and really nice to want a soft life, 51 00:03:13,040 --> 00:03:16,320 Speaker 3: a simple life, a quiet life. I know. I talk 52 00:03:16,680 --> 00:03:20,000 Speaker 3: a lot about goals and a lot about ambition and 53 00:03:20,200 --> 00:03:22,840 Speaker 3: chasing what you want, and you know what that's because 54 00:03:23,240 --> 00:03:27,079 Speaker 3: I really love that for me, But that doesn't mean 55 00:03:27,160 --> 00:03:29,560 Speaker 3: it has to be what you love or what you do. 56 00:03:30,240 --> 00:03:33,959 Speaker 3: Some days I don't feel like being driven either. Some 57 00:03:34,160 --> 00:03:35,560 Speaker 3: days I just want to sit in the sun and 58 00:03:35,640 --> 00:03:37,880 Speaker 3: have a coffee and not think about KPIs or business 59 00:03:37,920 --> 00:03:42,120 Speaker 3: plans or future me. And that does not make me lazy. 60 00:03:42,200 --> 00:03:45,320 Speaker 3: It actually makes me human and it makes you very 61 00:03:45,400 --> 00:03:49,040 Speaker 3: human too. You and I we put so much pressure 62 00:03:49,040 --> 00:03:53,680 Speaker 3: on ourselves to be successful, but have you actually ever 63 00:03:54,040 --> 00:03:57,720 Speaker 3: stopped to really think about what success really is? Is 64 00:03:57,760 --> 00:04:00,600 Speaker 3: it owning a house? Is it hitting sick figures? Is 65 00:04:00,640 --> 00:04:04,840 Speaker 3: it getting married? Or is it peace? Is it knowing 66 00:04:05,080 --> 00:04:08,640 Speaker 3: who you are and what makes you happy? Because honestly, 67 00:04:08,840 --> 00:04:11,000 Speaker 3: the older I get, the more I believe it is 68 00:04:11,080 --> 00:04:15,040 Speaker 3: the latter, and the more that I cherish those tiny, 69 00:04:15,240 --> 00:04:19,000 Speaker 3: quiet rituals that I never used to notice, like getting 70 00:04:19,040 --> 00:04:21,520 Speaker 3: to drink my coffee before the house wakes up, or 71 00:04:22,000 --> 00:04:25,080 Speaker 3: seeing my son laughing hysterically, or being able to call 72 00:04:25,120 --> 00:04:27,840 Speaker 3: my mum or my drive home. Like that stuff is 73 00:04:27,920 --> 00:04:31,320 Speaker 3: sacred and it's so easy to miss it while we 74 00:04:31,600 --> 00:04:36,160 Speaker 3: chase the next shiny thing. And honestly, I do think 75 00:04:36,240 --> 00:04:39,559 Speaker 3: one of the greatest acts of self love is actually 76 00:04:39,640 --> 00:04:43,000 Speaker 3: getting your finances sorted. I think being in a position 77 00:04:43,160 --> 00:04:45,880 Speaker 3: where you can say no to things that don't serve you, 78 00:04:45,960 --> 00:04:48,640 Speaker 3: whether that is a relationship or a job or a 79 00:04:48,760 --> 00:04:52,120 Speaker 3: bad landlord, it is so incredibly powerful and I deeply 80 00:04:52,200 --> 00:04:55,360 Speaker 3: want that for you. But I also know that life 81 00:04:55,440 --> 00:04:59,760 Speaker 3: happens that back up money you get spent the emergency fund. 82 00:04:59,800 --> 00:05:02,760 Speaker 3: Mine might go down and might be empty, but you 83 00:05:03,320 --> 00:05:05,720 Speaker 3: have to prioritize your mental health and your safety or 84 00:05:05,760 --> 00:05:08,599 Speaker 3: your family. And you know what that is. Okay, that's 85 00:05:08,680 --> 00:05:11,120 Speaker 3: actually what it was for. And I'm so proud of you. 86 00:05:11,920 --> 00:05:16,040 Speaker 3: You're not failing if you're spending money to heal, if 87 00:05:16,080 --> 00:05:18,240 Speaker 3: you've had to take a step back to be able 88 00:05:18,279 --> 00:05:21,880 Speaker 3: to protect your peace. Girl, there's no prize for struggling. 89 00:05:22,200 --> 00:05:24,600 Speaker 3: You don't need to hustle yourself into burnout to be 90 00:05:24,720 --> 00:05:28,040 Speaker 3: worthy of rest. Before we dive into the next part, 91 00:05:28,080 --> 00:05:29,720 Speaker 3: because you know I can get on a good rant. 92 00:05:29,760 --> 00:05:32,120 Speaker 3: I'm going to give myself and you a little break. 93 00:05:32,440 --> 00:05:35,600 Speaker 3: If you're multitasking or scrolling while listening, I want you 94 00:05:35,680 --> 00:05:38,480 Speaker 3: to try this with me. So like, unclench your draw, 95 00:05:39,000 --> 00:05:41,680 Speaker 3: roll those shoulders back a little bit, and take the 96 00:05:41,839 --> 00:05:46,880 Speaker 3: deepest breath you've taken all day in and doubt. That's 97 00:05:46,920 --> 00:05:50,880 Speaker 3: a little reset that you can give yourself anytime. And 98 00:05:51,160 --> 00:05:53,560 Speaker 3: when we come back, we're going to talk about something 99 00:05:54,040 --> 00:05:57,800 Speaker 3: I think is relatively freeing, why it's perfectly okay to 100 00:05:57,960 --> 00:06:02,000 Speaker 3: not want what everybody else seems to be chasing. Stay 101 00:06:02,080 --> 00:06:08,000 Speaker 3: with me. We're back, and I know some of us 102 00:06:08,080 --> 00:06:10,360 Speaker 3: are currently sitting in a space where we just feel 103 00:06:10,440 --> 00:06:14,320 Speaker 3: like we haven't done enough, that we should be further along, 104 00:06:14,560 --> 00:06:16,720 Speaker 3: that we should have a house, or a wedding, or 105 00:06:16,760 --> 00:06:19,839 Speaker 3: a business or whatever the world has made us believe 106 00:06:19,920 --> 00:06:22,880 Speaker 3: that we deeply need. But have you ever stopped to 107 00:06:22,960 --> 00:06:27,040 Speaker 3: ask yourself? Do I even want those things? Do you 108 00:06:27,080 --> 00:06:30,720 Speaker 3: want a house, the car, the ring? Do you just 109 00:06:30,960 --> 00:06:34,320 Speaker 3: think you should want them? Because when you peel back 110 00:06:34,440 --> 00:06:37,280 Speaker 3: the noise, it's actually quite freeing to admit that you 111 00:06:37,480 --> 00:06:42,119 Speaker 3: don't want what everybody else wants or has that maybe 112 00:06:42,720 --> 00:06:45,760 Speaker 3: your version of success is totally different. And girl, that 113 00:06:45,960 --> 00:06:50,040 Speaker 3: is so allowed. We are all so guilty. And I 114 00:06:50,160 --> 00:06:54,440 Speaker 3: am too of comparison, scrolling and comparing and feeling smaller 115 00:06:54,560 --> 00:06:58,000 Speaker 3: with every single tap and scroll. But to what end? 116 00:06:58,440 --> 00:07:01,320 Speaker 3: What does that even get us? A highlight reel that's 117 00:07:01,400 --> 00:07:05,200 Speaker 3: not life, and you're comparing it to your behind the 118 00:07:05,279 --> 00:07:08,760 Speaker 3: scenes that's not fair. There's also the thing that we 119 00:07:08,839 --> 00:07:13,120 Speaker 3: all do. We seem to wait for motivation to show up. 120 00:07:13,680 --> 00:07:16,680 Speaker 3: We sit there thinking, well, when I feel motivated, I'm 121 00:07:16,720 --> 00:07:20,400 Speaker 3: going to start. But motivation, it does not tap you 122 00:07:20,520 --> 00:07:23,360 Speaker 3: on the shoulder one morning. It's not a delivery service. 123 00:07:24,160 --> 00:07:27,520 Speaker 3: You have to create it. You have to start without it. 124 00:07:27,960 --> 00:07:31,400 Speaker 3: You have to decide that you are so worth showing 125 00:07:31,480 --> 00:07:34,920 Speaker 3: up for that your goals are worth the effort, even 126 00:07:35,000 --> 00:07:38,040 Speaker 3: if it's just a tiny little effort today, even if 127 00:07:38,040 --> 00:07:39,920 Speaker 3: all you can do is make your bed and drink 128 00:07:40,000 --> 00:07:45,560 Speaker 3: some water and send one email. Goal, that is still movement. Nobody, unfortunately, 129 00:07:45,720 --> 00:07:48,920 Speaker 3: is coming to save you. But we can save ourselves. 130 00:07:49,240 --> 00:07:52,360 Speaker 3: You can be the person that younger you needed desperately. 131 00:07:52,640 --> 00:07:55,200 Speaker 3: You can build a life that future you is proud of, 132 00:07:56,000 --> 00:07:59,760 Speaker 3: not all at once, but step by step, choice by choice. 133 00:08:00,280 --> 00:08:03,160 Speaker 3: And if you're still living at home right now, I 134 00:08:03,320 --> 00:08:05,239 Speaker 3: do want to speak to you too, There is nothing 135 00:08:05,320 --> 00:08:07,800 Speaker 3: wrong with that. In fact, it can be a smart 136 00:08:07,880 --> 00:08:11,200 Speaker 3: and strategic choice. If you're using this time to save, 137 00:08:11,400 --> 00:08:13,360 Speaker 3: to get clear on your goals, to give yourself a 138 00:08:13,440 --> 00:08:16,520 Speaker 3: leg up goal, that is brilliant. But even if you're 139 00:08:16,640 --> 00:08:20,160 Speaker 3: just surviving right now, that's okay too. What matters is 140 00:08:20,240 --> 00:08:23,240 Speaker 3: that you're trying. You're here, you're listening to a money 141 00:08:23,320 --> 00:08:27,440 Speaker 3: podcast that you care enough to want more for yourself, 142 00:08:27,880 --> 00:08:30,400 Speaker 3: even if you're not sure what more looks like yet. 143 00:08:31,320 --> 00:08:34,000 Speaker 3: So can we just take the pressure off, take the 144 00:08:34,080 --> 00:08:37,000 Speaker 3: weight off your shoulders for just like a moment. You 145 00:08:37,200 --> 00:08:39,920 Speaker 3: don't have to have it all figured out yet nobody does. 146 00:08:40,440 --> 00:08:42,319 Speaker 3: You don't need to have a five year plan. You 147 00:08:42,360 --> 00:08:45,360 Speaker 3: don't need to prove anything to anyone. You are so 148 00:08:45,520 --> 00:08:48,160 Speaker 3: allowed to take up space, to go slow and then 149 00:08:48,320 --> 00:08:52,520 Speaker 3: find your own pace. And if nobody has told you recently, 150 00:08:53,080 --> 00:08:56,280 Speaker 3: I'm so proud of you, truly, I'm so proud of 151 00:08:56,360 --> 00:08:59,760 Speaker 3: you for trying, for caring, for learning, for listening to 152 00:08:59,800 --> 00:09:03,760 Speaker 3: a podcast like this instead of doom scrolling, for even 153 00:09:03,920 --> 00:09:08,280 Speaker 3: wanting better. That says so much about you already. You're 154 00:09:08,320 --> 00:09:10,840 Speaker 3: doing better than you think. I promise, and I hope 155 00:09:10,920 --> 00:09:14,120 Speaker 3: this episode has helped you feel that or remind you 156 00:09:14,240 --> 00:09:16,679 Speaker 3: of that, and I'll be back soon. But until then, 157 00:09:17,280 --> 00:09:20,000 Speaker 3: I really really need you and want you to be 158 00:09:20,120 --> 00:09:22,520 Speaker 3: kind to yourself, because, my friend, you deserve it. 159 00:09:29,600 --> 00:09:32,120 Speaker 2: The advice shared on She's on the Money is general 160 00:09:32,200 --> 00:09:36,000 Speaker 2: in nature and does not consider your individual circumstances. She's 161 00:09:36,080 --> 00:09:39,480 Speaker 2: on the Money exists purely for educational purposes and should 162 00:09:39,559 --> 00:09:42,720 Speaker 2: not be relied upon to make an investment or financial decision. 163 00:09:43,120 --> 00:09:45,559 Speaker 2: If you do choose to buy a financial product, read 164 00:09:45,600 --> 00:09:48,839 Speaker 2: the PDS TMD and obtain appropriate financial. 165 00:09:48,520 --> 00:09:50,240 Speaker 3: Advice tailored towards your needs. 166 00:09:50,679 --> 00:09:54,560 Speaker 2: Victoria Divine and She's on the Money are authorized representatives 167 00:09:54,679 --> 00:09:58,719 Speaker 2: of money sheirper Pty Ltd ABN three two one six 168 00:09:58,840 --> 00:10:01,920 Speaker 2: four nine two seven seven zero eight a f s 169 00:10:02,080 --> 00:10:12,520 Speaker 2: L four five one two eight nine mm hmm