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Speaker 1: I would like to acknowledge the traditional owners of the

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Speaker 1: land on which this episode is being recorded, the Combomb

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Speaker 1: Merry people. They've been having conversations and telling stories on

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Speaker 1: this land for thousands of years, and we show our

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Speaker 1: gratitude and respect for their contribution to our environment and culture.

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Speaker 1: This is Rise and Conquer, the podcast where we strive

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Speaker 1: to become the highest version of ourselves through curious conversations,

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Speaker 1: healthy mindsets, laughter, connection, and a deep desire to evolve.

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Speaker 1: I'm your host, Georgie Stevenson. Join me as we explore parenthood, business, manifestation,

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Speaker 1: and so much more.

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Speaker 2: It's positive, it's practical.

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Speaker 1: And it's about putting you in the driver's seat of

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Speaker 1: your own life.

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Speaker 3: Are you ready.

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Speaker 1: Just before we start the episode, if you have ever

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Speaker 1: felt like manifestation makes sense in theory but not in

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Speaker 1: your everyday life, If it has felt hard to stay

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Speaker 1: consistent in your manifesting routines, then we have the thing

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Speaker 1: for you. So introducing our brand new product, the Manifestation Lab.

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Speaker 1: And honestly, I am so excited about this. The Lab

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Speaker 1: is your personal manifestation system. It's for the dreamers who

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Speaker 1: are ready to become doers.

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Speaker 3: It's for the ones who are.

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Speaker 1: Done with guessing and are ready to ground their desires

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Speaker 1: into reality with clarity, with structure and align action. So

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Speaker 1: basically it is a notion template and inside you'll get

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Speaker 1: clarity tools to really define what you want. That is

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Speaker 1: the first step of manifestation and it is so important.

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Speaker 1: You'll also get rituals and mindset practices to clear any

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Speaker 1: resistance and to shift your energy, which is also one

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Speaker 1: of the most important parts. You'll also get my full

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Speaker 1: limiting beliefs and manifestation formula so you can clear what

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Speaker 1: is holding you back. There is a tracker to stay

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Speaker 1: consistent and accountable, and of course there is a manifestation

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Speaker 1: library where we have given you every book, every podcast,

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Speaker 1: every YouTube, So if you want to raise your frequency,

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Speaker 1: if you want to learn about something, we have given

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Speaker 1: you a whole library of where to go, and that

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Speaker 1: is all my favorite resources.

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Speaker 3: So it's not just a pretty template.

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Speaker 1: This is going to be your daily manifestation podal a

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Speaker 1: space where your desires meet momentum. So if you have goals,

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Speaker 1: if you have desires, if you're calling an abundance or

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Speaker 1: love or success or all of the above, the Manifestation

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Speaker 1: Lab is your home base and it's designed to grow

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Speaker 1: with you, so like as you grow, it grows, it

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Speaker 1: supports your evolution. And it is only thirty three dollars

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Speaker 1: and thirty three cents, So.

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Speaker 3: This is something that is only thirty three dollars.

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Speaker 1: And you're going to use it daily. So if you

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Speaker 1: are listening back to this episode, it would already live

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Speaker 1: on our website.

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Speaker 3: We are so excited. Head to the show notes to

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Speaker 3: check it out.

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Speaker 1: But let's get into the episode. Today on the podcast,

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Speaker 1: we're joined by a total force in the finance world,

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Speaker 1: Victoria Divine. She's not only a former financial advisor to

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Speaker 1: an entrepreneur, but the founder of She's on the Money,

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Speaker 1: Australia's number one finance podcast that consistently dominates the charts

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Speaker 1: with millions of downloads and a thriving community behind her.

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Speaker 1: Victoria has made it her mission to help people take

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Speaker 1: back control of their finances and build wealth on their

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Speaker 1: own terms. She's also a best selling author and the

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Speaker 1: co founder of Zella Money, a fast growing financial advice,

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Speaker 1: accounting and finance breaking business that is helping everyday people

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Speaker 1: create extraordinary financial futures. In this episode, Victoria breaks down

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Speaker 1: exactly how to step into your financial power. We're talking

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Speaker 1: investment one oh one, building systems that work for you,

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Speaker 1: and how to balance the energetics and structures behind lasting

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Speaker 1: financial success. Her ability to make money.

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Speaker 2: Feel clear, approachable, and.

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Speaker 3: Even fun honestly is next level.

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Speaker 1: And also, guys, we talk a lot about how manifesting

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Speaker 1: and the energetics of money is involved in this. Sometimes

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Speaker 1: you can think someone like Victoria is maybe someone who

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Speaker 1: doesn't have anything to do with that world, but she

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Speaker 1: actually does and she really helps put it in a

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Speaker 1: structure and a system. And so I think you guys

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Speaker 1: are going to absolutely love this episode. So whether you're

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Speaker 1: just starting out or ready to take your money game

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Speaker 1: to the next level, this conversation is going to leave

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Speaker 1: you feeling empowered, educated, and excited about your financial future. Victoria,

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Speaker 1: Welcome back to the Rise and Conquered Podcast.

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Speaker 4: I am so excited about this, Like we were looking

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Speaker 4: it up off it and I was like, when was

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Speaker 4: that and twenty twenty one twenty It's been a hot minute.

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Speaker 3: It's been a good couple of years.

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Speaker 1: And also we were just having a laugh because I

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Speaker 1: was pregnant with Ivy.

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Speaker 4: Girl and now you're pregnant again.

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Speaker 2: And again and we only interview when I'm Yeah.

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Speaker 4: We only do podcasts when Georgie is pregnant. So you're

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Speaker 4: going to continue to have to have babies so we

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Speaker 4: can continue this relationshiation. Yeah, otherwise, I so sorry.

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Speaker 3: Thank you so much for coming back on the show.

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Speaker 1: And it has been incredible to watch your journey over

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Speaker 1: these last four years, watch you grow your platform, grow

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Speaker 1: your businesses.

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Speaker 3: For those who don't know who.

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Speaker 1: You are, could you just give us a little bit

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Speaker 1: of an elevator pit.

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Speaker 4: Hi, I'm Victoria. It is so lovely to meet you,

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Speaker 4: if we haven't met before. I am an ex financial advisor.

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Speaker 4: I retired in twenty twenty two and decided to go

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Speaker 4: all in on content creation. So I have the Sheese

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Speaker 4: on the Money podcast and we talk literally all things money.

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Speaker 4: And I also own a mortgage broking business called Zella Money,

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Speaker 4: and so that was kind of like my baby that

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Speaker 4: I nurtured. When I retired in twenty twenty two, I

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Speaker 4: was like, all right, well, I can't step out completely

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Speaker 4: of the finance industry. And now, yeah, every single day

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Speaker 4: I get people into their first homes, their second homes,

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Speaker 4: maybe their fifth homes, and it's so exciting. But I

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Speaker 4: guess that's me.

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Speaker 1: You really do do it all, and you also have

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Speaker 1: a gorgeous baby boy.

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Speaker 4: Oh yeah, my personal life yea, do not forget it's

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Speaker 4: my work life. But then you on the flip side,

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Speaker 4: I have a gorgeous husband called Steve. I have a

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Speaker 4: son who is now or thirteen months old, which is crazy,

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Speaker 4: and yeah, I've got a beautiful dog and yeah, life

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Speaker 4: is good.

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Speaker 1: I always do that where I just introduce myself my

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Speaker 1: occasional sense.

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Speaker 4: Yeah, I'm at work, right so they yeah, you don't.

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Speaker 4: I don't know. It's like a job interview. You wouldn't

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Speaker 4: go in and be like, so, yeah my husband in

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Speaker 4: a job interview. I like kind of separate the two

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Speaker 4: and the I'm like, hold on now, this is a

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Speaker 4: personal chat.

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Speaker 1: No, thank you so much for that. And yes, your

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Speaker 1: baby boy is so so sweet. And I love the

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Speaker 1: fact that you do it all. And the season that

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Speaker 1: we're currently in on the Rise and Concer podcast is

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Speaker 1: how to have it all, do it all, be whoever

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Speaker 1: you want. And I feel like you very much embody

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Speaker 1: that I want to go straight in because, as you know,

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Speaker 1: I talk a lot about the energetics and the mindset

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Speaker 1: around money and I have always been obsessed with your

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Speaker 1: work because you are all about the strategy, You have

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Speaker 1: the structures. I obviously believe that you need both, and

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Speaker 1: I know when I first kind of saw your work

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Speaker 1: and then interviewed you, I was like, oh, wow, no,

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Speaker 1: if she does the mindset and energetics like you.

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Speaker 4: Really do, I'm also a little bit Delulu.

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Speaker 1: You are absolutely Delu, and I think a lot of

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Speaker 1: people would be surprised by that because you've got the

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Speaker 1: financial business.

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Speaker 4: Like on think, I'm just strategy gal.

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Speaker 2: Yeah.

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Speaker 1: On paper or the first glance, you do look like

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Speaker 1: just very that masculine energy, corporate girl, strategy girl.

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Speaker 2: And then when I got to know you on a

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Speaker 2: deeper level, I was like, oh.

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Speaker 4: No, she's just a girl.

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Speaker 3: She gets it's the whole thing.

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Speaker 1: And so I would love to go straight into that because,

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Speaker 1: like I said, my opinion is you really need both.

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Speaker 1: I'd love to know your opinion on that.

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Speaker 4: It's so funny, right because you obviously do a lot

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Speaker 4: about manifesting and I'm obsessed with it, but I'm such

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Speaker 4: a like I'm I mean this like juxtaposition position right

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Speaker 4: where I love the idea of manifesting, but when you

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Speaker 4: really break it down. That's a beautiful mindset, but it's

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Speaker 4: not going to work without strategy. So like the mindset

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Speaker 4: and the energetics, they are the thing that's going to

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Speaker 4: carry you on that journey. But if you don't have

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Speaker 4: the strategy, you don't have a roadmap, you don't have

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Speaker 4: a plan in place, and all of that energy may

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Speaker 4: be wasted. And so we need to create a strategy

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Speaker 4: so that you know, if you're manifesting, let's say you're

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Speaker 4: dream home, you could have a million Pinterest boards and girl,

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Speaker 4: I am the biggest Pinterest you. So like if we

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Speaker 4: looked at my app usage, I swear I just scroll

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Speaker 4: on there all day being like, oh IP in this

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Speaker 4: and I love it. But if you really want to

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Speaker 4: create a vision board and bring it to life, we

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Speaker 4: need to create a roadmap that helps us get there.

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Speaker 4: And it's this concept of if you're looking for something,

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Speaker 4: you're more likely to discover it. And I guess that's

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Speaker 4: where manifestation fits in for me. You said before, you

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Speaker 4: know it's really unexpected that you're into I guess the

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Speaker 4: more delulu side of things. But if we take a

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Speaker 4: step back, I actually have two psych degrees, so I

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Speaker 4: studied psychology as my first degree and my second degree,

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Speaker 4: and then realized I didn't really want to be a counselor.

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Speaker 4: I didn't want to work in you know, psychology in

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Speaker 4: that way. I kind of much preferred the self development

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Speaker 4: side of things, which had me fall into a space

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Speaker 4: called organizational psychology. And I think the reason I loved

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Speaker 4: that was because I went straight into an area called

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Speaker 4: culture and engagement. And I also did a lot on

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Speaker 4: leadership development, so working with essentially the C suite to

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Speaker 4: take them to the next level. And then I realized,

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Speaker 4: you know, this is only in hindsight, because you can't

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Speaker 4: realize things sometimes in the moment. Just wasn't gelling with me.

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Speaker 4: I much preferred doing that with women, and so money

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Speaker 4: made sense, right, like money is the key to the kingdom,

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Speaker 4: Like money gives you security and freedom and choice, But

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Speaker 4: we also need to have the right mindset, because we

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Speaker 4: could give you heaps and heaps of money, Georgie. But

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Speaker 4: then if you don't have the right mindset, you might

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Speaker 4: not do a single thing with it, and you won't

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Speaker 4: create the dream life you deserve.

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Speaker 1: You won't leverage it, no exchange it, you won't invest,

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Speaker 1: you'll be too scared.

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Speaker 4: Exactly, you just leave it as this tool that you

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Speaker 4: know if you don't. And I talk a lot about

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Speaker 4: money stories and really understanding, like, hey, Georgie, why do

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Speaker 4: you feel a particular way about this? And you'll go, oh,

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Speaker 4: I don't really know. But then if we dive a

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Speaker 4: little bit deeper, you go, oh, my goodnurse. All of

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Speaker 4: my experiences have meant that.

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Speaker 1: My parents said this exactly, this happened to me at

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Speaker 1: this moment, I felt stupid with money. So I feel like, I,

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Speaker 1: you know, don't'm.

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Speaker 4: So silly with it, and so I can't be try

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Speaker 4: And you're like, hold on, where's this narrative coming from?

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Speaker 4: And why can't we rewrite that? Yes, so I think

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Speaker 4: it's a lot about that. And people look at money

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Speaker 4: as just a tool, and for the longest time it

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Speaker 4: has been a white man's game. It's like, Georgie, we're

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Speaker 4: just girls. We don't understand. But at the end of

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Speaker 4: the day, who runs the world, Like most of the

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Speaker 4: money decisions in a household are made by women, but

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Speaker 4: we don't have the power to control that.

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Speaker 3: We're taking that back absolutely.

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Speaker 1: And also we don't have the tools, we don't have

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Speaker 1: the background, the information, and that's why I love that

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Speaker 1: you're saying all this, because I'm like, yes, And it's

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Speaker 1: so interesting because one of the one of my work girls,

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Speaker 1: I was like, I'm gonna go see Victoria. She's on

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Speaker 1: the money, and she's like, oh, this is so exciting

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Speaker 1: because you guys are like so opposite and I'm like, no,

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Speaker 1: actually not, yeah, we actually if you actually listen to

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Speaker 1: her content and you know deeper, like we're very similar. Obviously,

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Speaker 1: I'm never going to give financial advice because I'm not, but.

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Speaker 4: You don't do to talk about mindset and like, yes, Georgie,

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Speaker 4: I could sit down and give you, Like let's just

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Speaker 4: say we've got somebody. Let's call her Sarah, and we

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Speaker 4: sit her down and we go, all right, Sarah, we

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Speaker 4: want to change your life. Like, and I think that

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Speaker 4: you and I together, we could we could do some

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Speaker 4: stuff with Sarah, some really good stuff. But like, let's

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Speaker 4: just start with the strategy side of things. I'm gonna

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Speaker 4: sit down, I'm gonna give her a proper budget. I'm

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Speaker 4: going to give her an investment portfolio plan, really well diversified. Yeah,

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Speaker 4: she's not committed, she hasn't got the right mindset, she's

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Speaker 4: not on board. She doesn't really, it's usualized her future exactly. Yeah,

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Speaker 4: So like you cannot have one without the other. And

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Speaker 4: I think so often we think the key to the

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Speaker 4: kingdom is going to be, oh my gosh, I'll get

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Speaker 4: my budget together one day. Godfriend, get your mindset together,

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Speaker 4: because the second you do the budget easy.

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Speaker 2: It's easy, it's easy.

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Speaker 1: And also, I would argue the mindset needs to come first. Agree,

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Speaker 1: because even if you get the budget, or even like

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Speaker 1: you get this huge load of cash, but you don't

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Speaker 1: have the mindset, you don't have the energetics to hold it,

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Speaker 1: you won't make great decisions. And then that will continue

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Speaker 1: into your narrative of why you're not good with money

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Speaker 1: and so.

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Speaker 4: It yeah, and you'll feel constrained by it. So like, yeah,

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Speaker 4: you can get your mindset right. Even if you're like V,

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Speaker 4: I don't know, I don't earn a lot of money,

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Speaker 4: that doesn't matter, because if we can get your mindset

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Speaker 4: in alignment and you can get your vision really clear,

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Speaker 4: do you know how easy it is to budget When

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Speaker 4: you're like, no, I'm making decisions that are aligned with

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Speaker 4: my vision and my future self, you don't feel like

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Speaker 4: you're compromising. You don't feel like you are being restricted.

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Speaker 4: And how often have you heard, Oh, I don't budget,

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Speaker 4: it's too restrictive. I'm sorry, restrictive for what? Yeah, like,

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Speaker 4: what are we restricting here? Because like, from my perspective,

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Speaker 4: I'm helping you build your dream life And that's not restrictive, baby.

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Speaker 1: That's empowering exactly. That's incredible. So even let's even touch

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Speaker 1: on it. So, like you said, how Icee, manifesting is

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Speaker 1: not necessarily like the vision boards the dreaming. That's definitely

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Speaker 1: a component, and I love that it's important because most

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Speaker 1: of us dream too small, and so that is definitely

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Speaker 1: a component. But when I and how I teach manifesting

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Speaker 1: is I am not going to talk much or like,

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Speaker 1: manifesting isn't the act of doing, It's not the masculine

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Speaker 1: act of doing. Manifestation is Okay, here's the vision, here's

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Speaker 1: the goal. Who do I need to be in order

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Speaker 1: to have that goal? Like, yeah, who is the person

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Speaker 1: who has that goal? And I think that's like a misconception.

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Speaker 1: And I love that you've already kind of spoken on this,

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Speaker 1: but it's like, okay, so that person who does have

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Speaker 1: that you know, investment portfolio, who does that what does

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Speaker 1: their budget look like, how do they show up?

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Speaker 2: You know, who are they being?

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Speaker 1: And I think again, when you marry those two, you

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Speaker 1: really have the perfect strategy, the perfect embodiment for your

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Speaker 1: next level self, who is finance free, who feels so good?

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Speaker 1: And I love that you said that when you get

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Speaker 1: to a point of marrying both together, you won't.

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Speaker 4: Feel to stricted.

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Speaker 2: It will feel easy, there's less resistance.

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Speaker 4: And I think it's so funny actually because I just

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Speaker 4: published an episode on Cheese on the Money that basically

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Speaker 4: says that manifestation is bullshit, Andia, I'm so sorry, I'm

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Speaker 4: so sorry.

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Speaker 3: How could you do that to us?

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Speaker 4: It's kind of a big clickbaity because at the end

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Speaker 4: of the day, like I think so many people think

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Speaker 4: manifesting is just throwing it out to the universe, georgy,

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Speaker 4: just throw it out to the I've been asking the universe.

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Speaker 4: I think about it.

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Speaker 3: All, think about it, and my poorsh appears.

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Speaker 4: Yeah, like that's that happens, right, But like manifestation, like properly,

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Speaker 4: like if we're going to talk about it, is actually

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Speaker 4: you showing up for you, you doing those things and

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Speaker 4: putting the work in.

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Speaker 3: And I'm bodying that fuelure exactly.

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Speaker 4: And sometimes I don't. I don't enjoy when people say, oh,

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Speaker 4: I manifested this, because so flippantly it pushes off the

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Speaker 4: fact that you worked really hard for this life.

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Speaker 3: Yeah.

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Speaker 4: Like you know, if you sat with me and we're

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Speaker 4: at brunch and I'm talking about something and you say, yeah,

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Speaker 4: I manifested my whole life, I'd be like, girlfriend, you

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Speaker 4: worked hard for your life. Like I can see how

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Speaker 4: much time and energy and effort and alignment you are,

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Speaker 4: you know, creating. That's not just manifestation. That's not this.

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Speaker 4: And I think that because of TikTok, because of Instagram,

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Speaker 4: there's this concept that manifestation is just like maybe you

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Speaker 4: should just like do a little meditation Georgie in the

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Speaker 4: morning and like tick tick tick, all of a sudden

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Speaker 4: your life with you exactly, And that's not it. But

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Speaker 4: like that time that you're spending with yourself is the

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Speaker 4: clarity to then go and do the strategy because unfortunately,

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Speaker 4: no one's going to come riding in on a white

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Speaker 4: horse and save you, like you are the one that

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Speaker 4: has to do the work, like and if you're not

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Speaker 4: going to be showing up for you, who else is

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Speaker 4: going to and if you're not going to show up

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Speaker 4: for you, why would other people if you're not even

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Speaker 4: saying it's a value, So I think it's Yeah, for me, yes,

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Speaker 4: it was a little bit click baby, and that's why

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Speaker 4: I was like, no, I love manifestation, so small shit,

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Speaker 4: but it's also just give yourself more credit, like you're

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Speaker 4: doing work.

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Speaker 1: Well, that's why we even stopped using the word manifestation

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Speaker 1: in our marketing.

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Speaker 4: Because it was getting a little bit dululu.

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Speaker 1: Well because I like, I started using the word manifesting

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Speaker 1: probably five or six years ago when I did my

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Speaker 1: original course and that was like before it was trending.

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Speaker 4: Because you were talking strategy and that encompass styes.

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Speaker 1: And there was like I was like, this is a

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Speaker 1: six step formula on how to embody your dream reality,

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Speaker 1: which is manifestation because if you look at the dictionary

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Speaker 1: example not example, sorry, the dictionary, manifestation is your thoughts.

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Speaker 2: And your vision coming into fruition.

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Speaker 1: So it made it involves work. It made Yeah, it

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Speaker 1: made sense in regards to using that. But now because

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Speaker 1: of TikTok, because of social media, I can absolutely understand

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Speaker 1: why people don't want to use the word manifestation because

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Speaker 1: it discredits and yeah, we honestly stop in using the

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Speaker 1: manifestation in some of our marketing.

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Speaker 4: It's so important still because I think that that, especially

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Speaker 4: when you're stepping more into your feminine energy, like I

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Speaker 4: want to be using words like manifestation because I feel

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Speaker 4: like it embraces this strategy and process and who I

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Speaker 4: really want to be, as opposed to yes, I've got

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Speaker 4: a plan, Yes I've got a strategy, like well, no.

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Speaker 1: The difference what I would say and why I don't

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Speaker 1: use the words like goal setting and smart goals and whatnot,

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Speaker 1: even though technically that's what I do, is because I

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Speaker 1: guess with my life, I did the masculine version I

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Speaker 1: got straight out of high school. I did law because

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Speaker 1: it's like that's what I thought I had to do

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Speaker 1: in society to be respected and please my parents, and

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Speaker 1: I like followed that formula.

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Speaker 2: And then when I.

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Speaker 1: Started understanding manifestation, when I started using these laws of

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Speaker 1: the universe, that's when I really transform my life into

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Speaker 1: Georgie who has her own business, who you know, wakes up,

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Speaker 1: you know, with her beautiful life and she's on the

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Speaker 1: beach and she goes for walks and she has created

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Speaker 1: this life that has felt like very much unreal, if

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Speaker 1: that makes sense.

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Speaker 3: And it wasn't.

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Speaker 1: Because I was clear on that life. It was because

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Speaker 1: I was like following that feminine side of me. Was

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Speaker 1: when I was following the masculine, I got burnt out.

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Speaker 2: And but you know me, Like, you know how.

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Speaker 1: Hard I work, Like I'm on here in a work trip,

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Speaker 1: I'm pregnant.

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Speaker 4: You just just getting it done. Yeah, like I would

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Speaker 4: love to see it.

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Speaker 2: I absolutely do the hard work.

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Speaker 1: But yeah, when you marry the two, that is the

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Speaker 1: absolute sweet sweet spot. You can't just do one. You

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Speaker 1: can't just do the feminine. You can't just do the

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Speaker 1: visualization without the strategy, without the doing. Like surely we

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Speaker 1: know this by now.

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Speaker 4: Yeah, Like I don't know. I find it so interesting

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Speaker 4: as well, because there are still we're not saying stop

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Speaker 4: being a lawyer and go and do something else. No,

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Speaker 4: But like, just because that's the way that has been

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Speaker 4: paved before us doesn't mean it's the way that we

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Speaker 4: need to continue forward. And I think, yeah, it's just

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Speaker 4: so important to start stepping into Well.

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Speaker 1: It depends if it's serving you or not. It depends

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Speaker 1: if it's like, no, this is who I'm meant to be.

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Speaker 1: And if you're honoring that kind of inner you, and

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Speaker 1: you're honoring that like inn intuition.

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Speaker 3: Because for me, when I wasn't, I got a lot

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Speaker 3: of health issues.

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Speaker 4: Oh my god, nurse me, you know, learning out, I

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Speaker 4: was depressed. I was consistently being like I'm so tired all.

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Speaker 3: The so anxious.

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Speaker 1: Yeah, yeah, anyway, we round there.

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Speaker 3: I love this for us.

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Speaker 1: What I want to chat about next is I feel

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Speaker 1: like especially women are quite scared and uncomfortable to talk

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Speaker 1: about money. Obviously not you, not me, and so me

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Speaker 1: please help me so shy and even like I know

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Speaker 1: from my content because I'm very transparent. I talk about

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Speaker 1: how much my businesses make. I talk about how much

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Speaker 1: my car was, and that is very intentional to do

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Speaker 1: that because I want other women to see it's not

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Speaker 1: showy to talk about money. It's not showy to be,

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Speaker 1: you know, talk about the investments you're making or anything

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Speaker 1: like that.

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Speaker 4: Because it's actually not what's important. Yes, like I've got

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Speaker 4: a car costs, but also my life is whole because

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Speaker 4: of all of these other things.

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Speaker 1: Yes, and also you should never shy away from it,

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Speaker 1: because I really believe like men aren't scared to talk

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Speaker 1: about money, to talk about the crisis. Yeah, but if

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Speaker 1: women do it, it's like, oh, that's yeah, like that's

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Speaker 1: Georgie's yeah. And so I think it's very important to

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Speaker 1: be so transparent and open because it shows other women

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Speaker 1: that it's like.

438
00:23:13,320 --> 00:23:16,679
Speaker 2: You shouldn't be ashamed, you shouldn't feel like this is

439
00:23:16,680 --> 00:23:17,520
Speaker 2: a dirty secret.

440
00:23:17,520 --> 00:23:20,040
Speaker 1: And the more that we are open about it, the

441
00:23:20,080 --> 00:23:23,879
Speaker 1: more women feel comfortable, the more we start playing the game.

442
00:23:24,320 --> 00:23:25,920
Speaker 2: I think that's very very important.

443
00:23:26,000 --> 00:23:27,000
Speaker 3: How do you feel about that?

444
00:23:27,200 --> 00:23:30,320
Speaker 4: Oh, I don't like talking about money, Georgie, Absolutely no.

445
00:23:30,359 --> 00:23:31,879
Speaker 3: I don't have a whole podcast on it.

446
00:23:32,880 --> 00:23:36,160
Speaker 4: But I think it's so important because when women have

447
00:23:36,240 --> 00:23:39,359
Speaker 4: financial literacy, when women have money, women have power. And

448
00:23:39,400 --> 00:23:42,480
Speaker 4: when women have power, we aren't constrained and we rule

449
00:23:42,520 --> 00:23:47,560
Speaker 4: the world exactly like it's it's so funny because the

450
00:23:47,600 --> 00:23:50,280
Speaker 4: more power we get, the more uncomfortable we're making men.

451
00:23:50,520 --> 00:23:52,440
Speaker 4: I know, and they're the ones that are like, oh,

452
00:23:52,520 --> 00:23:55,480
Speaker 4: that's ill, that's gross. I've never met a woman who

453
00:23:55,560 --> 00:23:58,480
Speaker 4: is sure of herself that said what I do is wit.

454
00:23:59,080 --> 00:24:01,359
Speaker 4: I've never I've met men who go, oh, that's a

455
00:24:01,359 --> 00:24:05,280
Speaker 4: bit strange. Aren't you just milking that? A bit much. Yes, Queen,

456
00:24:05,720 --> 00:24:06,400
Speaker 4: Yes I am.

457
00:24:06,600 --> 00:24:07,400
Speaker 3: That's kind of the point.

458
00:24:07,440 --> 00:24:10,320
Speaker 4: It's kind of the point, but I think it's it's

459
00:24:10,359 --> 00:24:13,320
Speaker 4: so interesting as well. But at the same time, we

460
00:24:13,400 --> 00:24:17,280
Speaker 4: need to acknowledge that women do genuinely feel uncomfortable talking

461
00:24:17,280 --> 00:24:20,480
Speaker 4: about money. We can change that. But like you're putting

462
00:24:20,560 --> 00:24:23,520
Speaker 4: women who historically have been told don't talk about money,

463
00:24:23,560 --> 00:24:25,480
Speaker 4: that's ill, don't ask for a pay rise, don't talk

464
00:24:25,520 --> 00:24:29,159
Speaker 4: to your colleagues, And then you're adding things in like trauma,

465
00:24:29,240 --> 00:24:31,280
Speaker 4: what your money story was, so how you grew up

466
00:24:31,320 --> 00:24:33,439
Speaker 4: around money, like Georgie, if you grew up and you

467
00:24:33,480 --> 00:24:36,400
Speaker 4: didn't have a lot of money, you might feel sick

468
00:24:36,440 --> 00:24:38,600
Speaker 4: whenever the topic comes up. You might just you might

469
00:24:38,640 --> 00:24:40,919
Speaker 4: not know why that's happening, but you might get that

470
00:24:41,000 --> 00:24:43,040
Speaker 4: like little not in the bottom of your stomach that

471
00:24:43,119 --> 00:24:45,320
Speaker 4: goes you shouldn't be talking about this. Let's just move

472
00:24:45,359 --> 00:24:48,880
Speaker 4: the conversation because you're feeling uncomfortable, And I actually want

473
00:24:48,880 --> 00:24:51,200
Speaker 4: you to sit with that and ask yourself why, Like

474
00:24:51,640 --> 00:24:54,320
Speaker 4: why do you feel a little bit icky in this situation?

475
00:24:54,520 --> 00:24:57,800
Speaker 4: And that works for anything, right, Like ask yourself and

476
00:24:57,840 --> 00:25:00,719
Speaker 4: your body, like why am I having this response? Like

477
00:25:00,760 --> 00:25:04,600
Speaker 4: for me sometimes responses are fully visceral. I'm like, oh, like,

478
00:25:05,280 --> 00:25:09,120
Speaker 4: how am I feeling this? And I just I want

479
00:25:09,200 --> 00:25:11,280
Speaker 4: you to feel that, because the more you feel that,

480
00:25:11,440 --> 00:25:14,120
Speaker 4: the more you're able to change where you can go

481
00:25:14,240 --> 00:25:16,720
Speaker 4: and what that actually looks like. And then we're adding

482
00:25:16,720 --> 00:25:19,000
Speaker 4: things in like the gender pay gap and all of

483
00:25:19,040 --> 00:25:21,240
Speaker 4: the things that put women behind that for so long

484
00:25:21,280 --> 00:25:23,920
Speaker 4: we've been told it's just the way it is. No,

485
00:25:24,080 --> 00:25:28,920
Speaker 4: it's not, absolutely not, because when women have financial literacy,

486
00:25:29,119 --> 00:25:31,480
Speaker 4: women have power, and when women have power, we don't

487
00:25:31,480 --> 00:25:36,520
Speaker 4: need men great ten out of ten, like we don't

488
00:25:36,520 --> 00:25:39,400
Speaker 4: need it, Like, we just don't need it. And so

489
00:25:39,760 --> 00:25:42,720
Speaker 4: I think when we're talking about money, it's not icky,

490
00:25:42,840 --> 00:25:44,600
Speaker 4: it's not weird. I want to know how much you

491
00:25:44,640 --> 00:25:46,120
Speaker 4: paid for your card? Did you get a good deal?

492
00:25:46,240 --> 00:25:48,160
Speaker 4: Like how did you purchase it? Oh my god, tell

493
00:25:48,200 --> 00:25:51,480
Speaker 4: me about these things, because we should be opening the

494
00:25:51,560 --> 00:25:55,159
Speaker 4: conversation up. Let's talk about finance. Let's talk about your house,

495
00:25:55,560 --> 00:25:58,680
Speaker 4: like we also could be talking about these things without

496
00:25:58,760 --> 00:26:02,480
Speaker 4: putting a dollar sign on it and having productive conversation

497
00:26:03,000 --> 00:26:07,280
Speaker 4: like is it not helpful even if you don't own

498
00:26:07,320 --> 00:26:09,679
Speaker 4: a property right now and aren't in the position to

499
00:26:09,800 --> 00:26:13,800
Speaker 4: understand how that process works, like, I want to know, Hey, Victoria,

500
00:26:13,880 --> 00:26:16,560
Speaker 4: how did you purchase your first home? Okay, cool? I

501
00:26:16,600 --> 00:26:18,439
Speaker 4: saved up a deposit with my husband, and it was

502
00:26:18,480 --> 00:26:20,520
Speaker 4: one of the hardest things we ever did. We got

503
00:26:20,520 --> 00:26:24,800
Speaker 4: into our first home. Then okay, let's talk about my second. Okay, cool,

504
00:26:24,840 --> 00:26:27,719
Speaker 4: that one was easier because it's always the first step,

505
00:26:28,119 --> 00:26:30,680
Speaker 4: Like the first one hundred thousand dollars that you save

506
00:26:30,840 --> 00:26:33,240
Speaker 4: or invest is always going to be the hardest, because

507
00:26:33,280 --> 00:26:37,080
Speaker 4: after that stage you can leverage. Great, I've got some equity.

508
00:26:37,119 --> 00:26:39,280
Speaker 4: I'm going to buy another property. Great, I've got some

509
00:26:39,880 --> 00:26:42,840
Speaker 4: rental income. I can do this. Like, I want you

510
00:26:43,160 --> 00:26:45,959
Speaker 4: to have all of the tools and resources, Georgie, so

511
00:26:46,080 --> 00:26:48,680
Speaker 4: that there's no surprises along your journey. You might be

512
00:26:48,760 --> 00:26:51,560
Speaker 4: at the very start, you might be in oodles of debt.

513
00:26:52,160 --> 00:26:55,520
Speaker 4: I actually don't care. I think you deserve the same

514
00:26:55,600 --> 00:27:00,239
Speaker 4: level of financial literacy as someone with multiple millions like.

515
00:27:00,400 --> 00:27:02,359
Speaker 4: You deserve that, and I want to give that to

516
00:27:02,480 --> 00:27:05,320
Speaker 4: you because even if you're in debt and you start

517
00:27:05,359 --> 00:27:08,840
Speaker 4: getting out of debt, isn't it beautiful to know that

518
00:27:09,200 --> 00:27:12,000
Speaker 4: you're doing that for you and the second that debt's gone,

519
00:27:12,359 --> 00:27:15,240
Speaker 4: that's power. Let's calculate what that could look like in

520
00:27:15,240 --> 00:27:17,760
Speaker 4: an investment. Let's calculate what that could look like in

521
00:27:17,760 --> 00:27:20,760
Speaker 4: a home deposit to actually give you back the power.

522
00:27:21,320 --> 00:27:24,720
Speaker 4: But I think with social media, with everything that is

523
00:27:24,760 --> 00:27:28,080
Speaker 4: going on, we are in a position where we just

524
00:27:28,200 --> 00:27:31,560
Speaker 4: consistently feel like we are not enough. And as women,

525
00:27:31,760 --> 00:27:34,439
Speaker 4: we are hardwired to think that we always have to

526
00:27:34,480 --> 00:27:36,920
Speaker 4: do better and that the next person has it better.

527
00:27:37,280 --> 00:27:39,439
Speaker 4: The grass isn't greener, the grass is green where you

528
00:27:39,480 --> 00:27:42,560
Speaker 4: water it. You need to be focusing on you, not

529
00:27:42,680 --> 00:27:45,120
Speaker 4: on what somebody else is doing. But we can learn

530
00:27:45,160 --> 00:27:46,080
Speaker 4: from them along the way.

531
00:27:47,240 --> 00:27:52,480
Speaker 1: And I think it's even simple things like I my

532
00:27:52,640 --> 00:27:56,320
Speaker 1: parents were very open about money and talking about it,

533
00:27:56,320 --> 00:27:59,199
Speaker 1: but there always was kind of that lack story and

534
00:27:59,240 --> 00:28:00,960
Speaker 1: it was kind of like, you know, oh, we're not

535
00:28:01,000 --> 00:28:03,119
Speaker 1: people that go to UNI, We're not people that.

536
00:28:03,520 --> 00:28:05,080
Speaker 2: Invest in that sort of story.

537
00:28:05,160 --> 00:28:10,080
Speaker 1: So when I started accumulating more wealth and being like, Okay,

538
00:28:10,119 --> 00:28:10,879
Speaker 1: well what do I do with.

539
00:28:11,400 --> 00:28:13,520
Speaker 4: My mum, because like that's not part of the journey.

540
00:28:13,640 --> 00:28:15,960
Speaker 1: Yeah, they like and they didn't, you know, they bought

541
00:28:16,040 --> 00:28:19,800
Speaker 1: property and I have followed somewhat in that, but I

542
00:28:19,840 --> 00:28:21,960
Speaker 1: was like, oh, I'm sure there's like other things I

543
00:28:22,000 --> 00:28:25,840
Speaker 1: can do, and so when I started looking into it,

544
00:28:25,840 --> 00:28:28,760
Speaker 1: it did feel very overwhelming and it felt like.

545
00:28:29,200 --> 00:28:31,080
Speaker 4: Is this like a little secret for you?

546
00:28:31,400 --> 00:28:31,680
Speaker 3: Yeah?

547
00:28:31,840 --> 00:28:33,560
Speaker 2: Is this a little secret that everyone else knows that

548
00:28:33,680 --> 00:28:34,560
Speaker 2: I don't know?

549
00:28:34,920 --> 00:28:38,120
Speaker 1: And so I've really found you know, your books and

550
00:28:38,160 --> 00:28:40,600
Speaker 1: your podcast so helpful because I'm like, oh, it's actually

551
00:28:40,960 --> 00:28:43,600
Speaker 1: so simple and like really simple stuff Like my first

552
00:28:43,640 --> 00:28:47,800
Speaker 1: couple of cars, I actually just like bought outright cash.

553
00:28:47,360 --> 00:28:50,680
Speaker 4: And I did the same thing. And then I like really,

554
00:28:50,840 --> 00:28:55,360
Speaker 4: so you're like, actually, that's maybe not the smartest financial DECISIONY.

555
00:28:54,760 --> 00:28:56,560
Speaker 1: Could have, you know, bought a couple of houses at

556
00:28:56,560 --> 00:28:59,480
Speaker 1: this point, but sure, and even like before the boom.

557
00:28:59,240 --> 00:29:02,480
Speaker 4: But it also feels so good to do that.

558
00:29:02,920 --> 00:29:05,000
Speaker 2: Yes right, and pay something out right and be like

559
00:29:05,120 --> 00:29:05,640
Speaker 2: I own this.

560
00:29:05,960 --> 00:29:07,320
Speaker 4: I don't have dat.

561
00:29:07,480 --> 00:29:08,480
Speaker 2: I was so scared of debt.

562
00:29:09,040 --> 00:29:10,080
Speaker 3: Now I have lots of debt.

563
00:29:10,200 --> 00:29:12,800
Speaker 1: And it was then being like, oh, I can actually

564
00:29:12,840 --> 00:29:15,280
Speaker 1: buy a car through my business, and then I can

565
00:29:15,360 --> 00:29:17,560
Speaker 1: have alone, and then I can then use that cash

566
00:29:17,640 --> 00:29:20,000
Speaker 1: for something else. Then I can leverage that, and then

567
00:29:20,000 --> 00:29:21,800
Speaker 1: I can use the equity in my first house and

568
00:29:22,160 --> 00:29:26,840
Speaker 1: all those things which I literally had no idea. And then,

569
00:29:27,000 --> 00:29:30,360
Speaker 1: especially as a woman in business, a woman with wealth.

570
00:29:30,600 --> 00:29:34,960
Speaker 1: But the first generation it had at the start felt

571
00:29:34,960 --> 00:29:38,000
Speaker 1: like so much pressure because it wasn't spoken about. So

572
00:29:38,040 --> 00:29:42,280
Speaker 1: I think it's so important to have people like you

573
00:29:42,360 --> 00:29:44,880
Speaker 1: and me be very open about it and.

574
00:29:44,880 --> 00:29:47,480
Speaker 4: Be like, here's how it can work, and this is

575
00:29:47,520 --> 00:29:49,200
Speaker 4: how we've done it, and you'll give you the blue

576
00:29:49,280 --> 00:29:50,600
Speaker 4: cree this way exactly.

577
00:29:50,640 --> 00:29:52,719
Speaker 1: You can, you know, figure it out, but here's how

578
00:29:52,760 --> 00:29:55,440
Speaker 1: I did it. And it doesn't have to feel so stressful,

579
00:29:55,440 --> 00:29:59,240
Speaker 1: and it doesn't have to feel like for me, sorry,

580
00:29:59,320 --> 00:29:59,840
Speaker 1: money used to.

581
00:29:59,800 --> 00:30:01,280
Speaker 3: Feel a life or death situation.

582
00:30:01,640 --> 00:30:05,160
Speaker 4: Yeah, like it used to feel so critical it is

583
00:30:05,280 --> 00:30:06,720
Speaker 4: at that stage.

584
00:30:06,480 --> 00:30:10,520
Speaker 1: Yes, and that really disregulated me and made me kind

585
00:30:10,560 --> 00:30:13,440
Speaker 1: of make some very interesting decisions that now i'd probably

586
00:30:13,520 --> 00:30:15,720
Speaker 1: go back and do differently. But again, you don't know

587
00:30:15,760 --> 00:30:17,640
Speaker 1: what you don't know, and so that's why I think

588
00:30:17,640 --> 00:30:19,080
Speaker 1: it's what you needed, because that was.

589
00:30:19,080 --> 00:30:21,320
Speaker 4: Part of your journey, right, Like I think we look

590
00:30:21,400 --> 00:30:24,720
Speaker 4: back and go, I wish I did that differently totally. Yeah,

591
00:30:24,720 --> 00:30:27,440
Speaker 4: But also what did you learn? Like, what did you

592
00:30:27,480 --> 00:30:29,959
Speaker 4: get out of that? Because Georgie, I think a very

593
00:30:30,040 --> 00:30:33,200
Speaker 4: big part of my money story is that way back

594
00:30:33,240 --> 00:30:35,760
Speaker 4: when I was working in psychology I got into forty

595
00:30:35,840 --> 00:30:40,840
Speaker 4: thousand dollars worth of consumer debt, personal loan credit card.

596
00:30:41,240 --> 00:30:43,400
Speaker 4: I was so good at it, it was like a game.

597
00:30:44,240 --> 00:30:47,720
Speaker 4: But that didn't serve me. And if I hid that,

598
00:30:47,800 --> 00:30:50,760
Speaker 4: because for a very long time, I was super embarrassed

599
00:30:50,800 --> 00:30:53,000
Speaker 4: of that, like oh my goodnurse, Like I did not

600
00:30:53,000 --> 00:30:57,160
Speaker 4: feel good about that. That doesn't serve other people. And

601
00:30:57,240 --> 00:30:59,800
Speaker 4: me sharing that part of my narrative, that part of

602
00:30:59,840 --> 00:31:03,120
Speaker 4: my journey. It's not because I'm super proud of it.

603
00:31:03,120 --> 00:31:05,680
Speaker 4: It's because I know that that helps you. And I

604
00:31:05,760 --> 00:31:08,680
Speaker 4: know that that's the reality. It's the reality of the situation.

605
00:31:08,920 --> 00:31:10,840
Speaker 4: And I got myself out of that. And if I

606
00:31:10,880 --> 00:31:12,840
Speaker 4: can do it, and I don't think I'm that smart,

607
00:31:12,880 --> 00:31:14,800
Speaker 4: if I can do it, I can absolutely teach you

608
00:31:14,840 --> 00:31:16,240
Speaker 4: to do it, and then you could do it, and

609
00:31:16,240 --> 00:31:18,240
Speaker 4: then you could teach your friends and family to do it,

610
00:31:18,280 --> 00:31:21,520
Speaker 4: and we could all be a lot more comfortable. Because

611
00:31:21,560 --> 00:31:25,040
Speaker 4: when money comes together with your vision and what you

612
00:31:25,080 --> 00:31:28,080
Speaker 4: want to create and you have alignment, there's so much

613
00:31:28,120 --> 00:31:31,680
Speaker 4: power there, like, let's do that. Let's marry those two things.

614
00:31:32,000 --> 00:31:34,440
Speaker 4: Because when I go back and look at that person

615
00:31:34,480 --> 00:31:36,920
Speaker 4: who got into forty thousand dollars worth of consumer debt.

616
00:31:37,200 --> 00:31:41,000
Speaker 4: She didn't know who she wanted to be. She was here, there, everywhere.

617
00:31:41,080 --> 00:31:43,640
Speaker 4: She was just trying to be someone that she wasn't

618
00:31:43,680 --> 00:31:47,240
Speaker 4: sure who that was and what that looked like. Now

619
00:31:47,240 --> 00:31:49,479
Speaker 4: I know, I'm like, oh, that's fine. I don't care

620
00:31:49,520 --> 00:31:53,840
Speaker 4: where my stuff's from. Sometimes I'm like, I just don't

621
00:31:53,880 --> 00:31:56,560
Speaker 4: need that level of validation. And that's what I was

622
00:31:56,600 --> 00:31:57,920
Speaker 4: searching for without knowing it.

623
00:32:00,920 --> 00:32:01,760
Speaker 3: I even love what.

624
00:32:01,720 --> 00:32:05,320
Speaker 1: You touched on about not feeling smart enough and not

625
00:32:05,360 --> 00:32:08,120
Speaker 1: feeling like good with money because of previous decisions. And

626
00:32:08,160 --> 00:32:13,040
Speaker 1: that's even why I am very intentional about talking about

627
00:32:13,120 --> 00:32:18,800
Speaker 1: money while being the manifesting girl on Instagram, because I'm like, no, babes,

628
00:32:18,840 --> 00:32:19,680
Speaker 1: the money isn't.

629
00:32:19,520 --> 00:32:23,680
Speaker 2: Just for the Victoria's the Jack's over there. I can

630
00:32:23,840 --> 00:32:25,800
Speaker 2: be a super you.

631
00:32:25,680 --> 00:32:28,200
Speaker 1: Know, we would talking about this off air, but like

632
00:32:28,480 --> 00:32:31,800
Speaker 1: the de Lulu girl on Instagram who goes off, who

633
00:32:31,920 --> 00:32:36,840
Speaker 1: is financially very savvy, who not only has the mindset

634
00:32:37,200 --> 00:32:41,440
Speaker 1: but has the financial advisor looks for, Okay, what do

635
00:32:41,480 --> 00:32:43,720
Speaker 1: I want to do with my money? Because I never

636
00:32:43,800 --> 00:32:47,080
Speaker 1: want women to think or if you're a bit we were,

637
00:32:47,240 --> 00:32:49,840
Speaker 1: or if you're a bit like a stay at home mum.

638
00:32:49,920 --> 00:32:53,200
Speaker 4: Or you're creative, so therefore you can't be good at fine.

639
00:32:53,160 --> 00:32:54,760
Speaker 1: Yah, you can't be good at money. And I think

640
00:32:54,800 --> 00:32:59,240
Speaker 1: it's really important to make everyone.

641
00:32:58,840 --> 00:33:00,960
Speaker 4: Feel every mud at it right.

642
00:33:00,800 --> 00:33:04,920
Speaker 1: With money, not just the you know, the women who

643
00:33:04,960 --> 00:33:08,560
Speaker 1: went to university exactly or feel like they have a place.

644
00:33:09,000 --> 00:33:12,400
Speaker 1: And that's why I think there's such a conversation for it,

645
00:33:12,480 --> 00:33:17,400
Speaker 1: because I'm like, no, you can absolutely be whoever you

646
00:33:17,440 --> 00:33:19,480
Speaker 1: want to be and still have a place at the

647
00:33:19,480 --> 00:33:20,720
Speaker 1: table to talk about money.

648
00:33:20,840 --> 00:33:23,160
Speaker 4: Yeah, one hundred percent. And I think it's it's so

649
00:33:23,240 --> 00:33:26,200
Speaker 4: funny you say that because I had three Uni degrees

650
00:33:26,240 --> 00:33:29,080
Speaker 4: and still got into that forty thousand dollars worth of debt.

651
00:33:29,360 --> 00:33:31,520
Speaker 4: So it's got nothing to do with like your education,

652
00:33:31,640 --> 00:33:34,360
Speaker 4: it really doesn't. I compared it on the podcast a

653
00:33:34,400 --> 00:33:36,920
Speaker 4: little while ago, or on my podcast, sorry a little

654
00:33:36,920 --> 00:33:39,959
Speaker 4: while ago to going to France. So like, Georgie, if

655
00:33:39,960 --> 00:33:42,480
Speaker 4: I picked you up and we went to France tomorrow,

656
00:33:42,960 --> 00:33:45,920
Speaker 4: can you speak French? Probably not? We know, like a

657
00:33:45,920 --> 00:33:49,120
Speaker 4: few keywords like I could say bonjour, I could you know?

658
00:33:49,360 --> 00:33:52,520
Speaker 4: So we I know I want to order a panicial plant.

659
00:33:52,640 --> 00:33:57,200
Speaker 4: Like that's the limit of my knowledge, right, that's finance.

660
00:33:57,880 --> 00:34:00,560
Speaker 4: The longer we spend in France, the more we are

661
00:34:00,560 --> 00:34:02,520
Speaker 4: going to be comfortable with the language and we're going

662
00:34:02,600 --> 00:34:04,800
Speaker 4: to pick up things here and there. But if we're

663
00:34:04,800 --> 00:34:08,760
Speaker 4: not spending time in France, why would you know about it. Also,

664
00:34:09,239 --> 00:34:11,319
Speaker 4: it's not in our school system, it's not in our

665
00:34:11,440 --> 00:34:14,760
Speaker 4: university system. It is not your employer's job to educate

666
00:34:14,800 --> 00:34:17,920
Speaker 4: you on this thing. This is a topic that essentially,

667
00:34:18,000 --> 00:34:20,680
Speaker 4: if you don't have the education and you didn't seek

668
00:34:20,719 --> 00:34:23,040
Speaker 4: it out yourself, how would you know how to speak French.

669
00:34:23,600 --> 00:34:26,239
Speaker 4: You don't just wake up and know how to do it. Like,

670
00:34:26,320 --> 00:34:28,560
Speaker 4: it's not because you're not smart, it's because you just

671
00:34:28,560 --> 00:34:32,040
Speaker 4: don't have exposure. Let me give you exposure, because of

672
00:34:32,120 --> 00:34:34,960
Speaker 4: course you're going to speak terrible French if you've never

673
00:34:35,040 --> 00:34:39,279
Speaker 4: done it before. But that's why I made terrible financial

674
00:34:39,320 --> 00:34:44,319
Speaker 4: decisions that ultimately I judged myself on and I put

675
00:34:44,320 --> 00:34:47,239
Speaker 4: myself in the corner and was basically like, oh my goodness, like,

676
00:34:47,280 --> 00:34:49,680
Speaker 4: I'm the worst at money, I can't be trusted, I'm

677
00:34:49,680 --> 00:34:51,360
Speaker 4: never going to own my first home. And these are

678
00:34:51,360 --> 00:34:55,400
Speaker 4: all narratives that I was telling myself shift that I

679
00:34:55,440 --> 00:34:58,239
Speaker 4: got out of debt. Girl, you can too, like you

680
00:34:58,400 --> 00:35:01,960
Speaker 4: literally can. If I can, I promise you it's not

681
00:35:02,040 --> 00:35:05,560
Speaker 4: that hard being in debt and not being able to

682
00:35:05,719 --> 00:35:09,120
Speaker 4: quote be good at money. It's not forever. In fact,

683
00:35:09,120 --> 00:35:11,640
Speaker 4: it just means you spent more than you won't full stop,

684
00:35:11,719 --> 00:35:13,640
Speaker 4: end of story. Do you want to fix that? Let

685
00:35:13,640 --> 00:35:16,080
Speaker 4: me help you, And if we can get your mindset

686
00:35:16,160 --> 00:35:19,600
Speaker 4: and your energetics in alignment, it will feel so easy.

687
00:35:19,880 --> 00:35:22,279
Speaker 4: It'll feel like you were meant to be doing this

688
00:35:22,360 --> 00:35:23,160
Speaker 4: the whole time.

689
00:35:23,440 --> 00:35:24,880
Speaker 3: And don't make it mean something.

690
00:35:25,040 --> 00:35:27,439
Speaker 1: So just because you are in debt, it doesn't mean

691
00:35:27,520 --> 00:35:30,840
Speaker 1: you're bad with money one percent. You made previous choices,

692
00:35:30,880 --> 00:35:32,440
Speaker 1: but you can always make new choices.

693
00:35:32,480 --> 00:35:34,080
Speaker 3: You can always be that new person.

694
00:35:33,960 --> 00:35:37,439
Speaker 4: One hundred percent, and money does not define who you are.

695
00:35:38,040 --> 00:35:40,520
Speaker 3: Like I do not the least interesting thing about you.

696
00:35:40,640 --> 00:35:42,680
Speaker 4: I do not care if you're a billionaire or you're

697
00:35:42,680 --> 00:35:45,000
Speaker 4: in a billion dollars worth of debt. Are you kind?

698
00:35:45,320 --> 00:35:47,920
Speaker 4: Are you nice? Are you somebody that I would invite

699
00:35:47,960 --> 00:35:50,520
Speaker 4: around for having a little wine on the couch with

700
00:35:50,600 --> 00:35:53,080
Speaker 4: me and my husband. That's the type of person I

701
00:35:53,120 --> 00:35:56,040
Speaker 4: want to know. I don't care about your finances, but

702
00:35:56,080 --> 00:35:58,960
Speaker 4: I care about you as a person. So therefore, by extension,

703
00:35:59,160 --> 00:36:01,040
Speaker 4: I want you to be good money because I know

704
00:36:01,239 --> 00:36:03,160
Speaker 4: how good that can make you feel. I know how

705
00:36:03,239 --> 00:36:06,880
Speaker 4: much power that gives you. I want that for you absolutely,

706
00:36:06,920 --> 00:36:09,560
Speaker 4: and I really really do. But do I judge you

707
00:36:09,600 --> 00:36:12,279
Speaker 4: if you're in debt? No? No, Also, who has the

708
00:36:12,320 --> 00:36:14,719
Speaker 4: time for that. Nobody doing more than you is ever

709
00:36:14,760 --> 00:36:17,800
Speaker 4: going to think less of you, and you right now

710
00:36:18,080 --> 00:36:20,600
Speaker 4: probably think less of you because of that. Just put

711
00:36:20,600 --> 00:36:23,600
Speaker 4: that in the mid for that's a problem that yesterday

712
00:36:23,640 --> 00:36:26,360
Speaker 4: you had. Today we're just honoring the fact that I

713
00:36:26,400 --> 00:36:28,719
Speaker 4: am kind, I'm nice, I am exactly where I need

714
00:36:28,760 --> 00:36:31,520
Speaker 4: to be, and there must be something that I'm learning

715
00:36:31,640 --> 00:36:34,320
Speaker 4: from this journey of being in debt. Let's try and

716
00:36:34,360 --> 00:36:35,480
Speaker 4: embrace that side of it.

717
00:36:35,680 --> 00:36:38,440
Speaker 3: Yeah, what's the lesson? Who do I want to be

718
00:36:38,480 --> 00:36:38,880
Speaker 3: moving for?

719
00:36:39,239 --> 00:36:42,560
Speaker 4: Exactly? And sometimes you have to take like fifty steps

720
00:36:42,560 --> 00:36:45,279
Speaker 4: back to be able to take one hundred forward and

721
00:36:45,320 --> 00:36:47,480
Speaker 4: it doesn't feel good. But I promise there's a light

722
00:36:47,520 --> 00:36:48,520
Speaker 4: at the end of the tunnel.

723
00:36:48,719 --> 00:36:52,600
Speaker 1: Yeah, And like, no one's journey is linear. It's no,

724
00:36:52,880 --> 00:36:54,880
Speaker 1: it's never gonna look like that. Like, I love that

725
00:36:54,960 --> 00:36:57,160
Speaker 1: you share that past version of you, because I think

726
00:36:57,200 --> 00:37:00,120
Speaker 1: it's very important people be like Oh okay, Victoria's it's

727
00:37:00,160 --> 00:37:00,600
Speaker 1: not perfect.

728
00:37:00,680 --> 00:37:01,680
Speaker 3: Look what she's created.

729
00:37:01,760 --> 00:37:04,439
Speaker 4: I can do it too, exactly. And if I don't

730
00:37:04,480 --> 00:37:07,719
Speaker 4: share that, how would we know that this stuff is

731
00:37:07,760 --> 00:37:09,240
Speaker 4: a reality exactly?

732
00:37:10,040 --> 00:37:10,359
Speaker 3: All right?

733
00:37:10,480 --> 00:37:13,480
Speaker 1: So in our previous podcast we did talk about budgeting

734
00:37:13,480 --> 00:37:16,320
Speaker 1: and property. I remember and I will link the previous podcast.

735
00:37:16,400 --> 00:37:18,960
Speaker 1: But also, I'm sure you have so much updated information

736
00:37:19,040 --> 00:37:20,600
Speaker 1: on your podcast, so we can.

737
00:37:20,480 --> 00:37:22,719
Speaker 4: Just go if you want a budget, our friend, this

738
00:37:22,760 --> 00:37:25,000
Speaker 4: is not the episode. I have a free one on

739
00:37:25,080 --> 00:37:27,560
Speaker 4: my website. Go download it. You absolutely should do it.

740
00:37:27,600 --> 00:37:30,200
Speaker 4: Go listen to the other episode. Go listen to my podcast.

741
00:37:30,400 --> 00:37:33,080
Speaker 4: That's fantastic. We're just talking about the energies, the vibes,

742
00:37:33,120 --> 00:37:35,359
Speaker 4: that making sure we're on the right track. We're talking

743
00:37:35,400 --> 00:37:38,440
Speaker 4: about anisolu station, all of the funner stuff.

744
00:37:38,960 --> 00:37:40,680
Speaker 3: Well not flu because now we're going to get into her.

745
00:37:40,880 --> 00:37:45,920
Speaker 4: Right, take that back. So I'll make it fun. We'll

746
00:37:45,960 --> 00:37:47,400
Speaker 4: make it fun. Frame it.

747
00:37:47,400 --> 00:37:48,879
Speaker 2: It's us, so it's going to be fun.

748
00:37:49,480 --> 00:37:52,440
Speaker 1: So I loved your id reel where you said a

749
00:37:52,560 --> 00:37:56,240
Speaker 1: five dollars a day spend, which is eighteen hundred twenty

750
00:37:56,280 --> 00:37:59,920
Speaker 1: five a year, sorry, eight and twenty five dollars a year.

751
00:38:00,640 --> 00:38:03,919
Speaker 1: Five dollars a day invested is seventy thousand a year.

752
00:38:04,160 --> 00:38:06,879
Speaker 1: Investing in shares is something a lot of women want

753
00:38:06,920 --> 00:38:10,080
Speaker 1: to do, but they feel intimidated by. I love this

754
00:38:10,160 --> 00:38:12,719
Speaker 1: so much because I started investing in shares maybe three

755
00:38:12,800 --> 00:38:14,000
Speaker 1: years ago, and.

756
00:38:13,920 --> 00:38:16,200
Speaker 4: I remember was starting and I was like, it's not

757
00:38:16,280 --> 00:38:18,759
Speaker 4: that hard. I promise, go and see an advisor, do this,

758
00:38:20,600 --> 00:38:22,920
Speaker 4: And I wanted to be your advisor so bad, but

759
00:38:22,960 --> 00:38:26,280
Speaker 4: I was like stepping out of being a financial advice.

760
00:38:26,280 --> 00:38:28,080
Speaker 4: You found a good one, You're okay. I did. I

761
00:38:28,080 --> 00:38:30,759
Speaker 4: found a good one, you found a good, great recommendation, And.

762
00:38:30,719 --> 00:38:34,680
Speaker 1: So I felt so intimidated, and I think I also

763
00:38:34,840 --> 00:38:38,520
Speaker 1: had some weird stories. I remember my dad being like, oh,

764
00:38:38,560 --> 00:38:41,800
Speaker 1: my friend had you know, three hundred grand in stocks

765
00:38:41,840 --> 00:38:45,319
Speaker 1: and then like everything, yeah, and like the what's it

766
00:38:45,360 --> 00:38:49,200
Speaker 1: called the g Global financial crisis happened in eight everybody

767
00:38:49,239 --> 00:38:53,440
Speaker 1: lost everything. Yes, and so they're hairy though they ask yes,

768
00:38:53,760 --> 00:38:56,360
Speaker 1: and I'm like, that's around it. But I was always like, oh, shares,

769
00:38:56,400 --> 00:39:00,120
Speaker 1: that's it's too unpredictable, it's too volatile, but.

770
00:39:00,160 --> 00:39:00,959
Speaker 4: How you got on today?

771
00:39:01,640 --> 00:39:05,440
Speaker 1: Like oh wow, it's really I forget, and like I

772
00:39:05,520 --> 00:39:07,160
Speaker 1: just then I was like sometimes I'm like Oh yeah,

773
00:39:07,160 --> 00:39:08,719
Speaker 1: I've got all that money in shares, Like how cool.

774
00:39:09,120 --> 00:39:10,840
Speaker 1: I really want to talk about it, because again, I

775
00:39:10,840 --> 00:39:14,360
Speaker 1: feel like it's not something women like a global financial crisis.

776
00:39:15,040 --> 00:39:18,760
Speaker 4: We could do a whole podcast on that. Let's not fine,

777
00:39:18,880 --> 00:39:21,600
Speaker 4: I'll do it. There, you do it and link it

778
00:39:21,640 --> 00:39:24,440
Speaker 4: to me. But yeah, let's talk about investing. Yeah, and

779
00:39:24,480 --> 00:39:27,960
Speaker 4: so we can get into it. Investing is so fliping sexy,

780
00:39:28,640 --> 00:39:31,680
Speaker 4: And the reason I love talking about it is it

781
00:39:32,160 --> 00:39:35,840
Speaker 4: is because it's so accessible, Like you can now today

782
00:39:36,120 --> 00:39:38,719
Speaker 4: invest for as little as one cent, Like you don't

783
00:39:38,760 --> 00:39:40,919
Speaker 4: need a lot of money to begin, You can buy

784
00:39:40,960 --> 00:39:43,359
Speaker 4: shares for as little as one cent, and that is

785
00:39:43,480 --> 00:39:47,040
Speaker 4: flipping cool vibe. Oh so cool. Because when I started

786
00:39:47,040 --> 00:39:50,160
Speaker 4: my financial advice like career, you couldn't do that. You

787
00:39:50,239 --> 00:39:53,080
Speaker 4: needed a minimum of at least five hundred dollars to start,

788
00:39:53,200 --> 00:39:55,560
Speaker 4: and for a lot of people that's their entire life savings,

789
00:39:55,600 --> 00:39:57,200
Speaker 4: and they're like, well, I'm not willing to put that in.

790
00:39:57,680 --> 00:40:00,840
Speaker 4: Whereas now you can start small and be considered to

791
00:40:00,960 --> 00:40:02,840
Speaker 4: zoom a little bit further out and touch on the

792
00:40:02,880 --> 00:40:05,960
Speaker 4: fact that you know your dad's brother's friend's dog said

793
00:40:06,120 --> 00:40:08,800
Speaker 4: that you know you'll lose everything look what happened to

794
00:40:08,840 --> 00:40:12,800
Speaker 4: the global financial crisis. Most people during the Global financial

795
00:40:12,800 --> 00:40:15,960
Speaker 4: crisis lost all of their money because they freaked out.

796
00:40:16,400 --> 00:40:19,040
Speaker 4: So during your lifetime, Georgie, you're going to see a

797
00:40:19,160 --> 00:40:23,040
Speaker 4: minimum of seven market dips. That is seven times that

798
00:40:23,120 --> 00:40:26,000
Speaker 4: your share portfolio is going to look so disgusting to

799
00:40:26,040 --> 00:40:27,600
Speaker 4: look at. You're going to look at it. And the

800
00:40:27,640 --> 00:40:30,799
Speaker 4: bigger your portfolio gets, the worse it feels. Because you're

801
00:40:30,800 --> 00:40:32,239
Speaker 4: going to log in one day and it will say

802
00:40:32,280 --> 00:40:35,960
Speaker 4: you've lost thousands of dollars. But that feels like trash,

803
00:40:36,080 --> 00:40:38,560
Speaker 4: right But at the end of the day, that's not

804
00:40:38,640 --> 00:40:42,480
Speaker 4: money you've lost. That is money that is still invested.

805
00:40:42,920 --> 00:40:46,200
Speaker 4: But right now, if you'd sold those shares, that's what

806
00:40:46,239 --> 00:40:48,840
Speaker 4: you would be accepting for it. We don't accept that.

807
00:40:49,200 --> 00:40:51,960
Speaker 4: We wait, we ride the wave back up, and we

808
00:40:52,080 --> 00:40:56,160
Speaker 4: consistently ride the wave. Because anybody in Australia who has

809
00:40:56,160 --> 00:40:59,240
Speaker 4: been invested in the Australian share market for a minimum

810
00:40:59,239 --> 00:41:04,359
Speaker 4: period of third years, Georgie hasn't ever lost money. Isn't

811
00:41:04,360 --> 00:41:06,919
Speaker 4: that wild to think about. So it's a long term game,

812
00:41:07,320 --> 00:41:10,400
Speaker 4: long term game, and in a social media world that

813
00:41:10,520 --> 00:41:14,960
Speaker 4: is very hard because they're so bad at wanting instant gratification,

814
00:41:15,080 --> 00:41:17,759
Speaker 4: Like if your video isn't engaging, I'm off it less

815
00:41:17,800 --> 00:41:18,520
Speaker 4: than one second.

816
00:41:18,560 --> 00:41:19,560
Speaker 3: Gimme a good hook nut.

817
00:41:19,640 --> 00:41:22,960
Speaker 4: No, no good hook see you buye no good looking food.

818
00:41:23,120 --> 00:41:26,239
Speaker 4: Off you go. But I think it's so important to

819
00:41:26,400 --> 00:41:29,640
Speaker 4: understand why these people lost money, not just oh, your

820
00:41:29,680 --> 00:41:32,160
Speaker 4: friend lost three hundred thousand dollars. Oh my goodness. I

821
00:41:32,200 --> 00:41:36,760
Speaker 4: would never do that, because that's where real wealth happens. Unfortunately,

822
00:41:37,480 --> 00:41:39,560
Speaker 4: we are in the middle of a cost of living crisis.

823
00:41:40,040 --> 00:41:42,759
Speaker 4: Inflation is crazy. If you just keep your money in

824
00:41:42,800 --> 00:41:46,800
Speaker 4: your savings account, Georgie, you are going to retire poorer

825
00:41:47,160 --> 00:41:50,520
Speaker 4: than you are today, and that is crazy to think about.

826
00:41:50,760 --> 00:41:53,160
Speaker 4: But you need to be investing to be able to

827
00:41:53,280 --> 00:41:57,000
Speaker 4: get past inflation, because otherwise the money that you have.

828
00:41:57,600 --> 00:41:59,640
Speaker 4: Let's pretend you have ten thousand dollars today in a

829
00:41:59,680 --> 00:42:02,839
Speaker 4: savings account and feels so safe and so secure. Give

830
00:42:02,840 --> 00:42:05,439
Speaker 4: it thirty years, maybe you still have ten thousand dollars

831
00:42:05,440 --> 00:42:08,520
Speaker 4: in your savings account. That's great, same amount of money.

832
00:42:09,000 --> 00:42:11,759
Speaker 4: You might have even contributed a little more savings, but

833
00:42:11,840 --> 00:42:14,120
Speaker 4: it now buys significantly less.

834
00:42:14,640 --> 00:42:15,719
Speaker 3: A loaf of bread.

835
00:42:15,640 --> 00:42:18,040
Speaker 4: Exactly like you look back and I know it it

836
00:42:18,120 --> 00:42:21,520
Speaker 4: is the most stereotypical example. But the loaf of bread, right,

837
00:42:21,800 --> 00:42:23,959
Speaker 4: like a good loaf of bread at the bakery around

838
00:42:24,000 --> 00:42:26,920
Speaker 4: the corner from me, seven or eight dollars at woollies,

839
00:42:27,000 --> 00:42:29,279
Speaker 4: you're still buying it for like two or three. Back

840
00:42:29,320 --> 00:42:32,960
Speaker 4: in my parents' days, it was sense. And that is

841
00:42:33,000 --> 00:42:35,480
Speaker 4: something we need to take into consideration because that's just

842
00:42:35,520 --> 00:42:37,920
Speaker 4: going to keep inflating. It's just going to keep going up.

843
00:42:37,960 --> 00:42:40,960
Speaker 4: It does go up consistently every single year. And that's

844
00:42:41,000 --> 00:42:43,720
Speaker 4: why we have things like the you know, the budget

845
00:42:43,719 --> 00:42:46,399
Speaker 4: that comes out from the government every year. But we

846
00:42:46,480 --> 00:42:48,920
Speaker 4: need to be beating that. So you need to be

847
00:42:48,920 --> 00:42:51,040
Speaker 4: in it to win it, Like you have to invest.

848
00:42:51,160 --> 00:42:54,080
Speaker 4: At the end of the day, you are putting yourself behind.

849
00:42:54,680 --> 00:42:58,080
Speaker 4: And it's not scary, it's not. It's as easy as

850
00:42:58,120 --> 00:42:59,799
Speaker 4: buying a new dress on the iconic and I'm like

851
00:42:59,840 --> 00:43:01,000
Speaker 4: really good at that, Georgie.

852
00:43:01,960 --> 00:43:04,960
Speaker 2: I'm so like literally, I'm so good at online shopping.

853
00:43:05,000 --> 00:43:07,840
Speaker 4: It's not funny, exactly exactly. And if you're good at

854
00:43:07,880 --> 00:43:10,319
Speaker 4: online shopping, you're good at investing in shares because it

855
00:43:10,400 --> 00:43:13,400
Speaker 4: is as easy as downloading an app and just buying

856
00:43:13,400 --> 00:43:17,520
Speaker 4: a few things. Hitting trade great it's not as hard

857
00:43:17,520 --> 00:43:20,279
Speaker 4: as you think it is. Mediocre middle aged white men

858
00:43:20,360 --> 00:43:22,160
Speaker 4: have made us think it is hard for a very

859
00:43:22,200 --> 00:43:25,080
Speaker 4: long time because they have wanted us to pay them

860
00:43:25,080 --> 00:43:27,000
Speaker 4: a lot of money to be able to access that,

861
00:43:27,440 --> 00:43:30,080
Speaker 4: or they've wanted to gate keep their information because they

862
00:43:30,120 --> 00:43:33,439
Speaker 4: just want to feel really smart. But it's not that deep.

863
00:43:34,440 --> 00:43:36,719
Speaker 1: So if someone who doesn't they don't want to see

864
00:43:36,719 --> 00:43:38,879
Speaker 1: a financial advisor, they don't want to see the middle

865
00:43:38,920 --> 00:43:40,560
Speaker 1: aged white man, what do they do?

866
00:43:40,840 --> 00:43:42,560
Speaker 4: They listen to Sheese on the Money, and then you'll

867
00:43:42,600 --> 00:43:46,160
Speaker 4: be fine, absolutely fine, perfect if you want to start investing,

868
00:43:46,280 --> 00:43:48,520
Speaker 4: first thing I would do is think about why. So

869
00:43:48,560 --> 00:43:52,000
Speaker 4: we need to get that mindset and those energetics on

870
00:43:52,280 --> 00:43:54,560
Speaker 4: the right page. So what do you want to achieve

871
00:43:54,600 --> 00:43:57,160
Speaker 4: from this? Are we looking for? Like future financial freedom?

872
00:43:57,239 --> 00:44:01,200
Speaker 4: Are we looking for you know, home deposit? What are

873
00:44:01,200 --> 00:44:03,960
Speaker 4: we doing? We're gonna get clear on that. Then we're

874
00:44:04,000 --> 00:44:06,399
Speaker 4: gonna go, all right, what kind of platform do I want?

875
00:44:06,400 --> 00:44:08,839
Speaker 4: Am I gonna download an app like share Z's, which

876
00:44:08,920 --> 00:44:10,720
Speaker 4: is just like an app you can have on your phone,

877
00:44:11,200 --> 00:44:13,120
Speaker 4: gives you kind of not trying to pitch them, but

878
00:44:13,280 --> 00:44:16,279
Speaker 4: like talking about it, but gives you access to like

879
00:44:16,520 --> 00:44:19,440
Speaker 4: the US share market, Australia and New Zealand, and you

880
00:44:19,480 --> 00:44:22,040
Speaker 4: can trade for like one cent or do you think

881
00:44:22,040 --> 00:44:24,080
Speaker 4: you're like a full trader and you need something more

882
00:44:24,080 --> 00:44:26,840
Speaker 4: complex and you're looking at a platform maybe like self Wealth,

883
00:44:27,200 --> 00:44:29,480
Speaker 4: but that is a minimum of five hundred dollars to

884
00:44:29,520 --> 00:44:31,400
Speaker 4: be able to invest in, and like it doesn't have

885
00:44:31,480 --> 00:44:34,640
Speaker 4: a user friendly app, but like you might feel like

886
00:44:34,680 --> 00:44:36,960
Speaker 4: it's a little bit more technical, So like what are

887
00:44:36,960 --> 00:44:39,520
Speaker 4: we looking for? Pick your app and then we can

888
00:44:39,560 --> 00:44:41,400
Speaker 4: start talking about the type of investment.

889
00:44:41,400 --> 00:44:43,799
Speaker 1: You still use an app like Chaze even if you

890
00:44:43,840 --> 00:44:46,279
Speaker 1: want to be investing thousands of dollars or you would

891
00:44:46,320 --> 00:44:47,680
Speaker 1: recommend going to the other app.

892
00:44:47,719 --> 00:44:51,560
Speaker 4: Nope, Nope, shar Z's works exactly the same if you

893
00:44:51,600 --> 00:44:55,640
Speaker 4: have one cent or fifty million dollars, like their entire app,

894
00:44:55,680 --> 00:44:58,160
Speaker 4: and like my money is on chare Za's. I like

895
00:44:58,200 --> 00:45:02,840
Speaker 4: the experience. It's a legitimate investing platform, and it's so

896
00:45:02,920 --> 00:45:05,640
Speaker 4: pretty Georgie, Like it's just a pretty app.

897
00:45:06,080 --> 00:45:07,239
Speaker 3: Language, it's a pretty.

898
00:45:06,960 --> 00:45:09,920
Speaker 4: App, and they have AI building so that you can

899
00:45:09,960 --> 00:45:13,080
Speaker 4: like you can look up a I feel like this

900
00:45:13,239 --> 00:45:15,640
Speaker 4: is a pitch not being paid for them or buy

901
00:45:15,680 --> 00:45:19,040
Speaker 4: them for this podcast. I'm gonna call them up and

902
00:45:19,080 --> 00:45:21,480
Speaker 4: be like, hey, you're getting the best call out here.

903
00:45:22,239 --> 00:45:24,960
Speaker 4: But they literally have this like AI search. I don't

904
00:45:24,960 --> 00:45:26,520
Speaker 4: think that's what they call it, but like you can

905
00:45:26,560 --> 00:45:28,880
Speaker 4: type in what you're looking for, like I want an

906
00:45:28,960 --> 00:45:32,200
Speaker 4: ETF that's like all women or something, or I want

907
00:45:32,680 --> 00:45:35,319
Speaker 4: ethical ETF made up of tech companies and it will

908
00:45:35,360 --> 00:45:38,279
Speaker 4: like find that for you. Love isn't that cool? So

909
00:45:38,320 --> 00:45:40,160
Speaker 4: if you're like, oh, I've been thinking about this, maybe

910
00:45:40,160 --> 00:45:41,839
Speaker 4: I want to do a little bit of research. Like

911
00:45:41,880 --> 00:45:45,320
Speaker 4: it's so easy these days and that doesn't cost you anything.

912
00:45:45,680 --> 00:45:49,160
Speaker 4: So for me, having an app that makes the experience

913
00:45:49,280 --> 00:45:52,359
Speaker 4: easier so much better. That's why the iconic works, Right,

914
00:45:52,400 --> 00:45:55,600
Speaker 4: They've got all of these different retailers together, so I

915
00:45:55,600 --> 00:45:57,360
Speaker 4: can add a whole heap of things to my cart

916
00:45:57,640 --> 00:46:01,040
Speaker 4: check out smooth process. To be honest, Georgie, if you

917
00:46:01,120 --> 00:46:03,200
Speaker 4: made me go to like all of the other websites

918
00:46:03,200 --> 00:46:05,759
Speaker 4: and buy those dresses individually, maybe I'd still get one.

919
00:46:05,880 --> 00:46:07,720
Speaker 4: But like, I can't be bothered with the whole process.

920
00:46:07,719 --> 00:46:10,680
Speaker 3: You're paying like all different shipping. I don't know too hard.

921
00:46:11,000 --> 00:46:13,719
Speaker 4: Yeah, So I think it's important to have a process

922
00:46:13,760 --> 00:46:16,560
Speaker 4: that works for you, that feels smooth and feels like

923
00:46:16,640 --> 00:46:19,680
Speaker 4: you can commit to and then we can start picking

924
00:46:19,719 --> 00:46:22,320
Speaker 4: what you invest in, and that's completely up to you.

925
00:46:22,400 --> 00:46:25,600
Speaker 4: Like you could invest in direct shares, but for me

926
00:46:26,080 --> 00:46:28,680
Speaker 4: and for the she's on the money community, most of

927
00:46:28,719 --> 00:46:32,680
Speaker 4: them are looking at ETFs so exchange traded funds, which

928
00:46:32,719 --> 00:46:36,919
Speaker 4: are basically big buckets of pre selected shares that some

929
00:46:37,239 --> 00:46:41,120
Speaker 4: really smart, usually mediocre, middle aged white man has hicked.

930
00:46:42,160 --> 00:46:44,480
Speaker 4: Or it might be the top two hundred companies in

931
00:46:44,480 --> 00:46:47,879
Speaker 4: Australia because do you know what when it comes to investing, yes,

932
00:46:47,920 --> 00:46:50,640
Speaker 4: I'm aggressive. I want you to do this so bad,

933
00:46:50,960 --> 00:46:54,400
Speaker 4: but the second you get there, let's make it really boring. Georgie,

934
00:46:54,640 --> 00:46:56,960
Speaker 4: I don't want to be like personally, I don't want

935
00:46:56,960 --> 00:46:59,640
Speaker 4: to be taking massive risks with my money. No, I

936
00:46:59,719 --> 00:47:04,040
Speaker 4: just want consistent returns so that like I retire so wealthy,

937
00:47:04,200 --> 00:47:06,680
Speaker 4: I don't have to think about things. That's my plan.

938
00:47:07,280 --> 00:47:10,520
Speaker 4: So you're investing portfolio. We're not looking for the biggest

939
00:47:10,600 --> 00:47:13,440
Speaker 4: next thing. We're not looking for crypto. We're not looking

940
00:47:13,440 --> 00:47:16,560
Speaker 4: for like, oh, the tech companies that have performed the best.

941
00:47:16,719 --> 00:47:17,839
Speaker 4: I get it.

942
00:47:18,280 --> 00:47:19,400
Speaker 3: What do you think of crypto?

943
00:47:20,440 --> 00:47:24,640
Speaker 4: I'm a negative on the crypto side. Of things because

944
00:47:25,200 --> 00:47:27,960
Speaker 4: of my community. So I've obviously heard a lot of

945
00:47:28,000 --> 00:47:32,799
Speaker 4: negative stories. But on the flip side, why would I

946
00:47:32,840 --> 00:47:36,000
Speaker 4: want to invest in something that, yeah, there's like maybe

947
00:47:36,320 --> 00:47:40,719
Speaker 4: some significant upside, but it has such significant risk. But

948
00:47:40,840 --> 00:47:46,279
Speaker 4: I know I could achieve wealth pretty dependently, almost guaranteed

949
00:47:46,800 --> 00:47:49,280
Speaker 4: in the share market. Why would I take your money,

950
00:47:49,280 --> 00:47:52,960
Speaker 4: Georgie and take the biggest risk on purchasing an asset

951
00:47:53,040 --> 00:47:55,520
Speaker 4: that has no base? Right, Like, if we look at

952
00:47:55,520 --> 00:47:58,600
Speaker 4: crypto versus like giving gambling, yeah, it's giving gambling. But

953
00:47:58,719 --> 00:48:02,200
Speaker 4: like if we look at crypto versus a bank, let's

954
00:48:02,239 --> 00:48:05,240
Speaker 4: pretend it's NAB. So we've got crypto and NAB. NAB

955
00:48:05,360 --> 00:48:08,640
Speaker 4: is a legitimate business with lots of locations around Australia.

956
00:48:08,760 --> 00:48:11,920
Speaker 4: Our economy is held up by parts of NAB. If

957
00:48:11,960 --> 00:48:15,120
Speaker 4: they disappeared tomorrow, they can't, right, they have staff, they

958
00:48:15,120 --> 00:48:18,360
Speaker 4: have you know, consistent dividends that they've paid out to people.

959
00:48:18,600 --> 00:48:22,839
Speaker 4: Crypto who owns that. Where's their store? Where is the

960
00:48:22,920 --> 00:48:26,520
Speaker 4: actual bricks and mortar building that is sustaining that? Could

961
00:48:26,520 --> 00:48:30,799
Speaker 4: it disappear overnight? Absolutely it could? And crypto coins have

962
00:48:31,400 --> 00:48:34,040
Speaker 4: so they've just disappeared out of the market completely and

963
00:48:34,080 --> 00:48:36,920
Speaker 4: whose responsibility is at nobody's because they can do that.

964
00:48:37,640 --> 00:48:41,520
Speaker 4: So you're telling me that I could invest in crypto

965
00:48:41,680 --> 00:48:43,840
Speaker 4: and have all of that risk, or I could invest

966
00:48:43,960 --> 00:48:46,799
Speaker 4: in NAB, which do you know what. Let's pretend and

967
00:48:46,840 --> 00:48:48,279
Speaker 4: they're not going to like me for saying this, but

968
00:48:48,360 --> 00:48:52,560
Speaker 4: let's pretend the worst controversy happens inside NAB and all

969
00:48:52,640 --> 00:48:55,880
Speaker 4: of a sudden their share price completely plummets. At the

970
00:48:55,920 --> 00:48:58,920
Speaker 4: end of the day, Georgie, they're so integral to our

971
00:48:59,040 --> 00:49:02,319
Speaker 4: economy and to the banking of so many in Australians. Yep,

972
00:49:02,400 --> 00:49:05,319
Speaker 4: might have affected their share price. Smart people are going

973
00:49:05,360 --> 00:49:07,920
Speaker 4: to buy it while it's completely back up, and then

974
00:49:07,960 --> 00:49:10,560
Speaker 4: it's going to go back up. Yeah, Like, is crypto

975
00:49:10,600 --> 00:49:13,000
Speaker 4: going to do the same thing? No, it has never

976
00:49:13,040 --> 00:49:17,120
Speaker 4: shown us that. Yes, bitcoin has, so like bitcoin as

977
00:49:17,160 --> 00:49:20,879
Speaker 4: a coin on its own has and ethereum has done

978
00:49:20,960 --> 00:49:25,040
Speaker 4: something similar. But like, that's too out of thousands, if

979
00:49:25,080 --> 00:49:29,040
Speaker 4: not hundreds of thousands of different crypto options. For me,

980
00:49:29,800 --> 00:49:33,080
Speaker 4: I am conservative but aggressive, so most of my money

981
00:49:33,200 --> 00:49:36,840
Speaker 4: is in shares, but pretty conservative when we're picking boring

982
00:49:36,880 --> 00:49:39,280
Speaker 4: things because like girl, I just want to retire comfortably

983
00:49:39,280 --> 00:49:41,440
Speaker 4: and live my dream life. I'm not here. I don't

984
00:49:41,440 --> 00:49:43,880
Speaker 4: want to think the next best thing, but I'm just

985
00:49:43,920 --> 00:49:47,640
Speaker 4: not you can do that. But like, why would you

986
00:49:47,719 --> 00:49:48,320
Speaker 4: risk it.

987
00:49:48,960 --> 00:49:52,360
Speaker 1: Especially if you're a beginner, especially if you're just getting

988
00:49:52,360 --> 00:49:56,640
Speaker 1: into the market, especially if you've never even doubled your toes.

989
00:49:57,040 --> 00:49:58,360
Speaker 2: I think, Yeah, why.

990
00:49:58,200 --> 00:50:01,040
Speaker 4: Would you be more comfortable with crypto over the share market?

991
00:50:01,080 --> 00:50:04,000
Speaker 4: You need to ask yourself that, and usually it is

992
00:50:04,120 --> 00:50:08,000
Speaker 4: because of the herd mentality. You've seen so many people

993
00:50:08,040 --> 00:50:11,680
Speaker 4: online get involved in crypto, So somehow, because you've seen

994
00:50:11,760 --> 00:50:14,600
Speaker 4: that role modeled, you feel safer with it. Whereas not

995
00:50:14,640 --> 00:50:17,520
Speaker 4: that many people are bragging about their share portfolio. That's

996
00:50:17,560 --> 00:50:20,319
Speaker 4: just consistent. That doesn't make a good news story. So

997
00:50:20,360 --> 00:50:22,439
Speaker 4: you need to ask yourself why you would take such

998
00:50:22,760 --> 00:50:26,719
Speaker 4: more significant risk over something that's tried and true. Right,

999
00:50:27,440 --> 00:50:28,440
Speaker 4: How bold you about it?

1000
00:50:28,960 --> 00:50:30,360
Speaker 3: I love that again? Mindset?

1001
00:50:30,640 --> 00:50:31,600
Speaker 4: Yeah?

1002
00:50:31,680 --> 00:50:34,600
Speaker 1: Okay, So, like I said, since the seven, it's all

1003
00:50:34,640 --> 00:50:38,560
Speaker 1: about getting everything you want in life in business and

1004
00:50:38,640 --> 00:50:43,320
Speaker 1: from your financial perspective, what are the non negotiable someone

1005
00:50:43,480 --> 00:50:46,920
Speaker 1: should get right if they want to create financial freedom

1006
00:50:47,440 --> 00:50:51,640
Speaker 1: to have everything they desire in life in business, this

1007
00:50:51,719 --> 00:50:54,520
Speaker 1: dream life that me and you are both on the road.

1008
00:50:54,680 --> 00:50:58,359
Speaker 4: Yeah, So first is mindset. You need to get your

1009
00:50:58,360 --> 00:51:01,440
Speaker 4: mindset straight, because if you do not think you deserve this,

1010
00:51:01,600 --> 00:51:04,080
Speaker 4: it is not going to happen. We need to step

1011
00:51:04,080 --> 00:51:07,040
Speaker 4: into no, I'm worth this, No I deserve this. I

1012
00:51:07,160 --> 00:51:11,319
Speaker 4: am worth everything that I'm putting into me. Women consistently

1013
00:51:11,440 --> 00:51:16,000
Speaker 4: undervalue themselves put themselves last. Caring about your finances is

1014
00:51:16,040 --> 00:51:18,759
Speaker 4: making sure that that cup is bigger so that it

1015
00:51:18,840 --> 00:51:22,320
Speaker 4: is always overflowing, as opposed to always working off empty

1016
00:51:22,560 --> 00:51:24,279
Speaker 4: like we always talk about not being able to pour

1017
00:51:24,320 --> 00:51:27,120
Speaker 4: from an empty cup. Girl, finances is going to build

1018
00:51:27,120 --> 00:51:29,080
Speaker 4: the cup and plug all the holes and make sure

1019
00:51:29,120 --> 00:51:32,840
Speaker 4: that it holds everything in right. Then, once we're clean

1020
00:51:32,960 --> 00:51:36,560
Speaker 4: and clear on our mindset goes back to boring cash

1021
00:51:36,560 --> 00:51:41,640
Speaker 4: flow Georgie, I guarantee most now listening, Yep, you have

1022
00:51:41,719 --> 00:51:44,160
Speaker 4: to know. If they're not sexy, it's not fun. Most

1023
00:51:44,160 --> 00:51:46,360
Speaker 4: people would be able to tell me how many dollars

1024
00:51:46,440 --> 00:51:48,480
Speaker 4: come into their bank account because they know what their

1025
00:51:48,520 --> 00:51:51,920
Speaker 4: pay slips are, Georgie, how many dollars leave? Where are

1026
00:51:51,960 --> 00:51:54,440
Speaker 4: they going? What are they doing? I want you to

1027
00:51:54,480 --> 00:51:56,800
Speaker 4: know four numbers. What do you earn, what do you spend,

1028
00:51:56,840 --> 00:51:59,680
Speaker 4: what do you own? And what do you owe? Even

1029
00:51:59,719 --> 00:52:03,640
Speaker 4: if that is astronomical amounts of o wing because same girlfriend, Like,

1030
00:52:03,840 --> 00:52:07,160
Speaker 4: I am mortgaged up to the hilt and I regret nothing. Yeah,

1031
00:52:07,160 --> 00:52:09,560
Speaker 4: but like I want to know where I am because

1032
00:52:09,560 --> 00:52:12,200
Speaker 4: that's like a plot on a graph, and we can

1033
00:52:12,239 --> 00:52:14,359
Speaker 4: plot ourselves and work out where we want to go

1034
00:52:14,480 --> 00:52:17,719
Speaker 4: and what that looks like. The second thing I want

1035
00:52:17,760 --> 00:52:20,640
Speaker 4: you to focus on is your foundations. Do you have

1036
00:52:20,719 --> 00:52:24,879
Speaker 4: an emergency fund? Do you have fifty one hundred, maybe

1037
00:52:24,880 --> 00:52:27,480
Speaker 4: it's five thousand, I don't care, But do you have

1038
00:52:27,560 --> 00:52:30,640
Speaker 4: some cash sitting to the side that will help you

1039
00:52:30,640 --> 00:52:33,520
Speaker 4: get out of any situation you don't want to be in?

1040
00:52:34,360 --> 00:52:36,440
Speaker 4: Is it a bill that's just popped up and you're like,

1041
00:52:36,440 --> 00:52:39,160
Speaker 4: oh my goodness, I totally forgot about this. Is it,

1042
00:52:39,520 --> 00:52:42,080
Speaker 4: you know, flying back from Melbourne because you're stuck with

1043
00:52:42,200 --> 00:52:44,480
Speaker 4: Victoria here and you want to go home to.

1044
00:52:44,440 --> 00:52:46,000
Speaker 3: The Gold Coast, get me home.

1045
00:52:46,040 --> 00:52:48,720
Speaker 4: But like, you have that power to just go I'm leaving.

1046
00:52:49,280 --> 00:52:51,680
Speaker 4: So many people don't have that, Georgie. They can't leave

1047
00:52:51,719 --> 00:52:53,600
Speaker 4: a situation they don't want to be in, and that

1048
00:52:53,760 --> 00:52:57,200
Speaker 4: is power. We're not talking about tomorrow becoming a millionaire.

1049
00:52:57,440 --> 00:53:00,520
Speaker 4: We're talking about giving ourselves the financial freedom we deserve,

1050
00:53:00,880 --> 00:53:04,200
Speaker 4: and that is about giving ourselves choices. The next thing

1051
00:53:04,239 --> 00:53:06,880
Speaker 4: I want you to do is automate. I want you

1052
00:53:06,960 --> 00:53:09,200
Speaker 4: to automate your savings. I want you to automate your

1053
00:53:09,200 --> 00:53:11,759
Speaker 4: bill payments. I want you to automate a transfer to

1054
00:53:11,800 --> 00:53:15,600
Speaker 4: your investing account. Because those who have wealth, and you

1055
00:53:15,600 --> 00:53:18,759
Speaker 4: would know this now, George, they are the ones that

1056
00:53:18,800 --> 00:53:22,399
Speaker 4: pay themselves first. They set up their accounts. They are

1057
00:53:22,440 --> 00:53:24,960
Speaker 4: paying their mortgage, they are paying their savings, they are

1058
00:53:24,960 --> 00:53:28,160
Speaker 4: paying their debt, they are paying everything off to begin with.

1059
00:53:28,560 --> 00:53:31,239
Speaker 4: They are investing, and then they're playing with the rest. Yeah,

1060
00:53:31,360 --> 00:53:36,080
Speaker 4: people who look rich but are not rich are playing

1061
00:53:36,120 --> 00:53:38,760
Speaker 4: with all of their money and then paying everything second

1062
00:53:38,960 --> 00:53:41,440
Speaker 4: and not caring about it enough, so they're not creating

1063
00:53:41,440 --> 00:53:46,680
Speaker 4: and building wealth. Wealth is not visible. It's so unsexy,

1064
00:53:47,239 --> 00:53:50,360
Speaker 4: Like no one can see your investment portfolio, Georgie. They can't.

1065
00:53:50,520 --> 00:53:51,280
Speaker 3: It's sexy.

1066
00:53:51,320 --> 00:53:54,120
Speaker 4: They can see that. Oh, they can see your car,

1067
00:53:54,239 --> 00:53:57,160
Speaker 4: they can see your houses, and that's fantastic. But for

1068
00:53:57,280 --> 00:53:59,760
Speaker 4: lots of people, not you, but for lots of people,

1069
00:54:00,120 --> 00:54:03,200
Speaker 4: those visible things are actually one hundred percent debt. Like

1070
00:54:03,239 --> 00:54:05,920
Speaker 4: the cars on finance, they're really struggling with their mortgage

1071
00:54:05,960 --> 00:54:08,160
Speaker 4: they're going home every night and fighting with their partner

1072
00:54:08,160 --> 00:54:12,280
Speaker 4: over how they're going to make those payments. Your financial

1073
00:54:12,320 --> 00:54:14,920
Speaker 4: freedom isn't coming from having the shiny things that everyone

1074
00:54:14,920 --> 00:54:17,799
Speaker 4: can see. It's coming from your investment portfolio. The fact

1075
00:54:17,840 --> 00:54:21,080
Speaker 4: that your property portfolio, I'm assuming, is generating income to

1076
00:54:21,120 --> 00:54:24,480
Speaker 4: pay those More like, it's about strategy. No one can

1077
00:54:24,520 --> 00:54:27,480
Speaker 4: see that, so we need to get that started. And

1078
00:54:27,520 --> 00:54:30,000
Speaker 4: the best way to get that strategy started is automation.

1079
00:54:30,840 --> 00:54:31,840
Speaker 4: And then we're just going to give it.

1080
00:54:32,040 --> 00:54:33,320
Speaker 3: I have to think about it, stunt.

1081
00:54:33,360 --> 00:54:35,080
Speaker 4: No, why would you think about it if you do

1082
00:54:35,160 --> 00:54:37,280
Speaker 4: not have to, It's not fun.

1083
00:54:37,440 --> 00:54:40,359
Speaker 3: I also love it too, because I love automation. Sorry

1084
00:54:40,360 --> 00:54:41,000
Speaker 3: to interrupt.

1085
00:54:41,200 --> 00:54:44,960
Speaker 1: Because when I have that money in the bank that

1086
00:54:45,000 --> 00:54:48,560
Speaker 1: I've paid everything off, the mortgages are paid, the you know,

1087
00:54:48,640 --> 00:54:52,360
Speaker 1: everything's gone into investments, so I know the set amount

1088
00:54:52,400 --> 00:54:55,279
Speaker 1: of money that I can play with, and so when

1089
00:54:55,320 --> 00:54:58,719
Speaker 1: I spend money, there is not no guilt. There is like,

1090
00:54:59,000 --> 00:55:00,799
Speaker 1: you know, people are you know, if I will go

1091
00:55:00,880 --> 00:55:03,680
Speaker 1: buy something special for my thirty eth or yeah, something

1092
00:55:03,840 --> 00:55:05,680
Speaker 1: like that, and people like, oh, you're just wasting money.

1093
00:55:05,719 --> 00:55:09,600
Speaker 2: I'm like, no, I know exactly how much.

1094
00:55:09,480 --> 00:55:13,240
Speaker 4: Money and even if it was, and I literally printed

1095
00:55:13,239 --> 00:55:16,319
Speaker 4: this money out and set fire to it. Wouldn't matter,

1096
00:55:16,520 --> 00:55:17,200
Speaker 4: would it matter?

1097
00:55:17,360 --> 00:55:18,240
Speaker 3: It's not your problem?

1098
00:55:18,440 --> 00:55:20,640
Speaker 4: Yeah, Also, why are you so worrying?

1099
00:55:20,760 --> 00:55:20,960
Speaker 3: Jack?

1100
00:55:21,400 --> 00:55:26,160
Speaker 4: Exactly? So, I think it's so important to remember that unfortunately,

1101
00:55:26,200 --> 00:55:29,359
Speaker 4: wealth it's not visible. It's really hard to see those

1102
00:55:29,400 --> 00:55:34,080
Speaker 4: people who are financially successful. And in a world where girl,

1103
00:55:34,160 --> 00:55:37,440
Speaker 4: I saw so many influencers in my financial advice career

1104
00:55:37,480 --> 00:55:40,400
Speaker 4: that were up to their eyeballs in debt because they

1105
00:55:40,400 --> 00:55:43,759
Speaker 4: were keeping up with the Kardashians. Yes, like, it's just

1106
00:55:44,360 --> 00:55:48,200
Speaker 4: don't follow that. In fact, operate as a default. If

1107
00:55:48,200 --> 00:55:51,520
Speaker 4: that influencer isn't talking about money, isn't talking about wealth,

1108
00:55:52,080 --> 00:55:53,800
Speaker 4: they're probably not that comfortable with it. And do you

1109
00:55:53,880 --> 00:55:55,759
Speaker 4: know why they're not that comfortable with it, because they're

1110
00:55:55,800 --> 00:55:57,880
Speaker 4: not focusing on it. And if they're not focusing on it,

1111
00:55:57,920 --> 00:55:59,680
Speaker 4: but they've got the car, they've got the clothes, they've

1112
00:55:59,719 --> 00:56:02,640
Speaker 4: got the house, I've got everything, it's probably a little

1113
00:56:02,640 --> 00:56:06,719
Speaker 4: bit sticky. Like, operate under that assumption, even though it

1114
00:56:06,760 --> 00:56:09,239
Speaker 4: is not nice, because it will change your mindset to

1115
00:56:09,600 --> 00:56:10,800
Speaker 4: caring more about yourself.

1116
00:56:12,160 --> 00:56:14,279
Speaker 2: That's even like just a quick little story and there.

1117
00:56:14,280 --> 00:56:17,000
Speaker 1: I remember when I was about twenty five, and I

1118
00:56:17,080 --> 00:56:21,040
Speaker 1: was just kind of starting in the influencer game, and yeah,

1119
00:56:21,080 --> 00:56:23,799
Speaker 1: I was getting paid extreme soone you know.

1120
00:56:23,800 --> 00:56:26,520
Speaker 4: Like I stream amounts of money in comparison to what

1121
00:56:26,560 --> 00:56:27,320
Speaker 4: you were before.

1122
00:56:27,440 --> 00:56:29,640
Speaker 2: Yeah, when I was like a clerk, it was wild.

1123
00:56:29,680 --> 00:56:34,000
Speaker 1: And I remember being at an influencer event and a

1124
00:56:34,120 --> 00:56:39,000
Speaker 1: younger influencer, big YouTuber who I knew how much she

1125
00:56:39,040 --> 00:56:41,120
Speaker 1: was getting paid to certain sponsorships, and I was like,

1126
00:56:41,600 --> 00:56:44,400
Speaker 1: holy wow. And I was just telling her how we

1127
00:56:44,520 --> 00:56:47,080
Speaker 1: had bought our you know, first house, so I was

1128
00:56:47,120 --> 00:56:48,400
Speaker 1: at that age.

1129
00:56:48,360 --> 00:56:50,759
Speaker 2: And she was like, oh my gosh, like how did

1130
00:56:50,800 --> 00:56:53,520
Speaker 2: you afford it? And I literally reached.

1131
00:56:53,239 --> 00:56:55,120
Speaker 1: Over the table because she had like a whole bunch

1132
00:56:55,120 --> 00:56:57,359
Speaker 1: of Cardia rings on, she had you know, her sign

1133
00:56:57,360 --> 00:57:00,279
Speaker 1: a bag and everything, and I was like, paid because

1134
00:57:00,320 --> 00:57:01,720
Speaker 1: I don't buy those things.

1135
00:57:02,040 --> 00:57:04,200
Speaker 2: Yeah, and I that's what I know.

1136
00:57:04,360 --> 00:57:06,080
Speaker 1: I can look at your hand right now, I can

1137
00:57:06,120 --> 00:57:07,960
Speaker 1: look at your house to posit, and that is a

1138
00:57:08,000 --> 00:57:08,600
Speaker 1: house to posit.

1139
00:57:08,680 --> 00:57:11,000
Speaker 4: Don't get us wrong, Like we're sitting here probably yeah,

1140
00:57:11,120 --> 00:57:13,160
Speaker 4: like I deposits on our wrists right now.

1141
00:57:13,239 --> 00:57:13,879
Speaker 3: Absolutely.

1142
00:57:13,880 --> 00:57:16,000
Speaker 4: The reason we are able to do that is because

1143
00:57:16,040 --> 00:57:17,560
Speaker 4: we put our well first.

1144
00:57:17,600 --> 00:57:22,320
Speaker 1: Well first. The same stuff playing first, Yes, lady said

1145
00:57:22,360 --> 00:57:25,280
Speaker 1: to her, even though I think she's only twenty one,

1146
00:57:25,520 --> 00:57:28,439
Speaker 1: even though you're twenty one, trust me, babe, Like, who

1147
00:57:28,480 --> 00:57:30,360
Speaker 1: knows how long this career is going.

1148
00:57:30,200 --> 00:57:30,920
Speaker 4: To You never know?

1149
00:57:31,080 --> 00:57:32,000
Speaker 3: Do you never know?

1150
00:57:32,200 --> 00:57:35,000
Speaker 1: And so I just said to her, like, set yourself

1151
00:57:35,120 --> 00:57:38,200
Speaker 1: up and then when you play with your money, you're

1152
00:57:38,200 --> 00:57:40,680
Speaker 1: going to feel like so good when you spend it,

1153
00:57:40,720 --> 00:57:42,880
Speaker 1: when you buy that cuddier whatever.

1154
00:57:43,200 --> 00:57:46,680
Speaker 4: It's become something that means something as opposed to a

1155
00:57:46,720 --> 00:57:47,480
Speaker 4: status symbol.

1156
00:57:47,720 --> 00:57:52,600
Speaker 1: Yes, and look, I'm not like, yeah, who knows what

1157
00:57:52,640 --> 00:57:56,400
Speaker 1: happened there, But I remember having that conversation and seeing

1158
00:57:56,440 --> 00:58:00,920
Speaker 1: the world and being like wow, they And also she

1159
00:58:00,960 --> 00:58:04,000
Speaker 1: probably didn't have the education. No, she didn't have the

1160
00:58:04,160 --> 00:58:06,400
Speaker 1: role modelate like she I could tell when I told

1161
00:58:06,440 --> 00:58:08,480
Speaker 1: her that she was like me by a house at

1162
00:58:08,520 --> 00:58:09,120
Speaker 1: twenty one, Like.

1163
00:58:09,080 --> 00:58:12,360
Speaker 4: What, Yeah, you could could come and see me and

1164
00:58:12,440 --> 00:58:14,240
Speaker 4: I will do it for you.

1165
00:58:13,960 --> 00:58:16,840
Speaker 1: Like it's really easy, toss me just get people to

1166
00:58:16,880 --> 00:58:17,800
Speaker 1: do it exactly.

1167
00:58:18,040 --> 00:58:19,200
Speaker 3: And well, that's even why.

1168
00:58:19,080 --> 00:58:22,760
Speaker 1: I have a financial advisor, because I honestly hate numbers.

1169
00:58:22,840 --> 00:58:25,600
Speaker 1: I find it boring. I find the budgets boring. But

1170
00:58:25,840 --> 00:58:28,400
Speaker 1: it is so I'll tell you what you need, I'll

1171
00:58:28,440 --> 00:58:30,160
Speaker 1: tell me what to do, I'll do it, go do

1172
00:58:30,280 --> 00:58:31,600
Speaker 1: that and that and then.

1173
00:58:31,520 --> 00:58:34,200
Speaker 4: My random space exactly, and then can you please help

1174
00:58:34,240 --> 00:58:35,000
Speaker 4: me with my mindset?

1175
00:58:35,080 --> 00:58:35,360
Speaker 3: Great?

1176
00:58:35,400 --> 00:58:37,080
Speaker 4: Thanks, You've got.

1177
00:58:36,960 --> 00:58:38,040
Speaker 3: Us both exactly.

1178
00:58:38,480 --> 00:58:40,920
Speaker 1: Victoria, thank you so much for coming on show. It

1179
00:58:40,960 --> 00:58:43,720
Speaker 1: has been such a delight. You are such a wealth

1180
00:58:43,760 --> 00:58:45,720
Speaker 1: of knowledge, and like I said at the start, I

1181
00:58:45,760 --> 00:58:50,479
Speaker 1: just love that you aus have such a holistic view

1182
00:58:50,680 --> 00:58:55,640
Speaker 1: and you are such a empowering role model for women

1183
00:58:56,400 --> 00:58:59,400
Speaker 1: with money, with going after what they want, with living

1184
00:58:59,400 --> 00:59:02,480
Speaker 1: their dream life. But you actually you give them the steps,

1185
00:59:02,560 --> 00:59:06,680
Speaker 1: you give them, you know the tools, and it's so

1186
00:59:06,680 --> 00:59:07,280
Speaker 1: so neated.

1187
00:59:07,280 --> 00:59:08,360
Speaker 3: So thank you so much.

1188
00:59:08,400 --> 00:59:11,080
Speaker 4: Thank you, and right back at you. I feel like

1189
00:59:11,120 --> 00:59:14,080
Speaker 4: this little collaboration is one that needs to grow. I

1190
00:59:14,120 --> 00:59:16,280
Speaker 4: know you can do the mindset stuff. I want to

1191
00:59:16,280 --> 00:59:18,400
Speaker 4: play there too, but like I'll get the strategy, I'll

1192
00:59:18,440 --> 00:59:19,240
Speaker 4: do the strategy.

1193
00:59:19,280 --> 00:59:20,720
Speaker 3: We the masculine, we need the feminish.

1194
00:59:20,760 --> 00:59:22,680
Speaker 4: Yeah, with a ying to the yang is yea perfect

1195
00:59:22,880 --> 00:59:25,160
Speaker 4: Thank you for having me a pasure as always, and.

1196
00:59:25,080 --> 00:59:28,320
Speaker 1: Of course I will link everything that Victoria has to offer.

1197
00:59:28,200 --> 00:59:28,640
Speaker 3: In the show.

1198
00:59:28,680 --> 00:59:30,240
Speaker 4: Not I was just happy to be here, to.

1199
00:59:30,200 --> 00:59:34,320
Speaker 1: Be honest, but also guys like if you're like getting

1200
00:59:34,360 --> 00:59:36,479
Speaker 1: those moments, those are har moments where you're like, fuck,

1201
00:59:36,560 --> 00:59:37,000
Speaker 1: I can.

1202
00:59:36,920 --> 00:59:38,880
Speaker 2: Actually I can be in the do this, I can

1203
00:59:38,920 --> 00:59:40,040
Speaker 2: be at the big boys table.

1204
00:59:40,440 --> 00:59:41,040
Speaker 4: That hard.

1205
00:59:41,400 --> 00:59:42,439
Speaker 3: Honestly, it's not hard.

1206
00:59:42,600 --> 00:59:44,440
Speaker 4: If we can do it, you can do it, I know.

1207
00:59:44,560 --> 00:59:46,600
Speaker 4: And like we've just got folded up chairs. You bring one,

1208
00:59:46,760 --> 00:59:48,520
Speaker 4: we'll all sit at the same table and we'll just

1209
00:59:48,520 --> 00:59:49,280
Speaker 4: get stuff done.

1210
00:59:49,400 --> 00:59:51,760
Speaker 1: Well, we will absolutely all right, my love, thank you

1211
00:59:51,840 --> 00:59:55,200
Speaker 1: so much coming on the show. If you did love

1212
00:59:55,240 --> 00:59:59,160
Speaker 1: this episode, please take a screenshot, put on your stories,

1213
00:59:59,280 --> 01:00:01,080
Speaker 1: share it with a girl, our friend, share it with

1214
01:00:01,120 --> 01:00:02,000
Speaker 1: your mum, sister.

1215
01:00:02,480 --> 01:00:03,400
Speaker 3: Really appreciate it.

1216
01:00:03,480 --> 01:00:06,720
Speaker 1: This is an independent podcast and the reason that we

1217
01:00:06,800 --> 01:00:11,240
Speaker 1: can keep giving you this beautiful free content is because

1218
01:00:11,400 --> 01:00:12,280
Speaker 1: you guys share.

1219
01:00:12,080 --> 01:00:15,520
Speaker 3: It and we have listens and downloads. So appreciate you

1220
01:00:15,600 --> 01:00:16,160
Speaker 3: more than you know.

1221
01:00:16,200 --> 01:00:18,240
Speaker 1: If you do that, Thank you so much for listening,

1222
01:00:18,320 --> 01:00:20,920
Speaker 1: and I will chat to you in the next episode.

1223
01:00:21,280 --> 01:00:26,600
Speaker 3: Bye.