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2024 All Wrapped Up! · She's On The Money

• 0:00
  Speaker 1: Hello, my name is Sanatasha Nabananga Bamblet. I'm a proud
• 0:04
  Speaker 1: your the Order Kerni Whoalbury and a waddery woman. And
• 0:08
  Speaker 1: before we get started on She's on the Money podcast,
• 0:11
  Speaker 1: I would like to acknowledge the traditional custodians of the
• 0:13
  Speaker 1: land of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money, She's on the Money.
• 0:57
  Speaker 2: Hello, and welcome to She's on the Money the podcast
• 1:00
  Speaker 2: here to make your year end on a high note,
• 1:02
  Speaker 2: even if your budget had a few plot twists along
• 1:05
  Speaker 2: the way. It's quite all right, you know what d
• 1:07
  Speaker 2: it is?
• 1:08
  Speaker 4: What day is?
• 1:08
  Speaker 1: It? Be?
• 1:08
  Speaker 2: Its Christmas? Christmas Day. While the presents are unwrapped, the
• 1:16
  Speaker 2: pavlover is in the fridge right now as we speak,
• 1:18
  Speaker 2: and the family debates over monopoly are hopefully on.
• 1:21
  Speaker 1: Paul.
• 1:22
  Speaker 4: Oh no, they're not, like my family's going to write
• 1:24
  Speaker 4: over Katan. We don't play monopoly.
• 1:25
  Speaker 2: We play Katan. Yes we are savage. I like playing
• 1:30
  Speaker 2: logo quiz.
• 1:30
  Speaker 4: I can actually spoil it now because it's Christmas Day,
• 1:33
  Speaker 4: but I bought the expansion packs for my family for
• 1:36
  Speaker 4: a time for Christmas.
• 1:38
  Speaker 2: Idea. That's really great, Oka, I'm gonna pull it out
• 1:41
  Speaker 2: today as well. So we're taking him over to reflect
• 1:43
  Speaker 2: on something even more precious. How we spent our time,
• 1:45
  Speaker 2: our money, and our energy this year. That's love is awesome.
• 1:49
  Speaker 2: So today we're unwrapping the Gift of Reflection VD. And
• 1:53
  Speaker 2: I couldn't think of a better person to dive into
• 1:55
  Speaker 2: this with than the woman who somehow balances budgets, businesses
• 1:59
  Speaker 2: and baby bottles Victoria Divine.
• 2:02
  Speaker 4: Oh, I've never watched a baby bottle. Honestly, my husband
• 2:04
  Speaker 4: does all of that, so that's exactly how. But I'm
• 2:07
  Speaker 4: excited about this. I was talking about this on Instagram
• 2:10
  Speaker 4: the other day and I didn't achieve a lot of
• 2:13
  Speaker 4: my personal goals this year, which I feel like people
• 2:16
  Speaker 4: look at me and they go, shut up, V, like
• 2:18
  Speaker 4: you're so successful.
• 2:20
  Speaker 2: Yeah, But I wrote a list and I checked it
• 2:21
  Speaker 2: twice and then I didn't do anything on it.
• 2:23
  Speaker 4: It's okay, which is fine because this year I approach
• 2:27
  Speaker 4: every single situation with grace and kindness, and that's the
• 2:32
  Speaker 4: bare minimum exactly. At the end of the day, a
• 2:35
  Speaker 4: lot of people can't say they did the same.
• 2:37
  Speaker 2: No, you can definitely like not check things off your list,
• 2:39
  Speaker 2: But if you're kind to yourself, you've won. Today we'll
• 2:42
  Speaker 2: be chatting about how reflecting on the past year can
• 2:44
  Speaker 2: set you up for success and the next. And I've
• 2:46
  Speaker 2: got a few juicy questions lighted up to do intervd's
• 2:49
  Speaker 2: own highlights and lessons from this year. So should we
• 2:52
  Speaker 2: start with why reflection is so important? Does it really
• 2:55
  Speaker 2: help us make my decisions? Or is it just another
• 2:57
  Speaker 2: thing to add to our to do list?
• 2:58
  Speaker 4: Maybe it's just like another thing to add to how
• 3:00
  Speaker 4: to do list. If you type a like me, you
• 3:02
  Speaker 4: like adding things to you to do lists like it
• 3:04
  Speaker 4: makes you feel accomplished, So take it however you want.
• 3:06
  Speaker 2: But reflections are so incredibly important.
• 3:09
  Speaker 1: Beck.
• 3:10
  Speaker 4: It's not just I don't know, a little feel good reflection,
• 3:13
  Speaker 4: but more because they're backed by solid psychology. You know,
• 3:16
  Speaker 4: I love a little bit of research. So I'm comeing
• 3:18
  Speaker 4: to the table with the receipts when I'm coming you know,
• 3:20
  Speaker 4: of course, taking time to reflect on your year. It's
• 3:23
  Speaker 4: not actually just about like telling up all you ins
• 3:25
  Speaker 4: and then all your losses. It's about giving your brain
• 3:27
  Speaker 4: the space to process, learn and grow, which is kind
• 3:31
  Speaker 4: of nice.
• 3:32
  Speaker 2: So the first thing I want to.
• 3:33
  Speaker 4: Touch on here is memory, consolidation and learning. So that's
• 3:36
  Speaker 4: the heading I've written for myself, and then there's nothing
• 3:38
  Speaker 4: under it, so who knows what I'm about to say,
• 3:40
  Speaker 4: So it's just like watch it fall out, but reflecting
• 3:44
  Speaker 4: on what has worked for us financially and then personally
• 3:47
  Speaker 4: then what hasn't and why. It's going to help create
• 3:51
  Speaker 4: mental shortcuts for making better decisions in the future, Like
• 3:54
  Speaker 4: why didn't that work for you? Oh it didn't work
• 3:57
  Speaker 4: because ABC? Okay cool, So like have we learned something
• 4:00
  Speaker 4: from this? And you'd be like, yeah, actually I have. Yeah,
• 4:02
  Speaker 4: I'm not going to approach something like that again this way.
• 4:05
  Speaker 4: I'm going to do it this way. I want you
• 4:07
  Speaker 4: to think of it as kind of like rewiring your
• 4:09
  Speaker 4: brain to be your own personal finance coach. Like that's
• 4:13
  Speaker 4: a good deal, Like I want a personal finance coach
• 4:16
  Speaker 4: that I don't have to pay money.
• 4:17
  Speaker 2: Which she's in here exactly.
• 4:20
  Speaker 4: You're not the biggest book person in the nie world,
• 4:22
  Speaker 4: but I am. There's a book by Norman Deutsche and
• 4:25
  Speaker 4: it is called The Brain That Changed Itself And it
• 4:27
  Speaker 4: is so interesting if you're not going to like read
• 4:30
  Speaker 4: it back audio book it like I listened to it,
• 4:33
  Speaker 4: but it talks about this concept of neuroplasticity.
• 4:37
  Speaker 2: It's just very cool.
• 4:38
  Speaker 4: It's like about these people with brain damage who forget
• 4:41
  Speaker 4: how to walk and then they're like thrown in the
• 4:43
  Speaker 4: deep end of being taught how to walk again. With
• 4:46
  Speaker 4: this idea that your brain has a certain way of learning.
• 4:50
  Speaker 4: So if you were a baby and you were learning
• 4:54
  Speaker 4: to walk, you would first learn to crawl, and then
• 4:56
  Speaker 4: you would learn to like, you know, stand up assisted,
• 4:59
  Speaker 4: and then you would learn to walk right, whereas people
• 5:02
  Speaker 4: historically who have gotten injured and have to learn to
• 5:05
  Speaker 4: walk again, they are just taught to walk immediately, and
• 5:08
  Speaker 4: that is often not the best way of doing things
• 5:10
  Speaker 4: because your brain needs to create absolutely brand new neural
• 5:13
  Speaker 4: pathways to be able to do these things. So like,
• 5:16
  Speaker 4: wouldn't it make sense to do the progression again?
• 5:19
  Speaker 2: Yeah?
• 5:20
  Speaker 4: Right, Yeah, So it's an interesting concept, but it's essentially
• 5:24
  Speaker 4: this concept called neuroplasticity, where the brain adapts and optimizes
• 5:29
  Speaker 4: itself over time, because if one neural pathway is not
• 5:32
  Speaker 4: working or it is destroyed, you can actually create another one.
• 5:35
  Speaker 4: Talking about like walking here because for me that's probably
• 5:38
  Speaker 4: the best example. But if you have an accident and
• 5:41
  Speaker 4: something happens to your brain, Beck, and you've forgotten how
• 5:43
  Speaker 4: to walk because that bond in your brain of hey, Beck,
• 5:47
  Speaker 4: this is how you wire your body to walk has
• 5:49
  Speaker 4: been broken. You need to either rebuild that or create
• 5:52
  Speaker 4: another neural pathway. And starting from the start makes the
• 5:56
  Speaker 4: most sense. So it's kind of like being able to
• 6:00
  Speaker 4: identify what is and isn't working for you so that
• 6:02
  Speaker 4: you can create new pathways or celebrate the ones that
• 6:05
  Speaker 4: you have that are working really well.
• 6:07
  Speaker 2: It's a really good way to look at it.
• 6:09
  Speaker 4: I think it's really fun. But like you have to
• 6:11
  Speaker 4: crawl before you can walk, yes, And I think that
• 6:14
  Speaker 4: that's a fun thing to do as well, because it
• 6:16
  Speaker 4: just really reminds you that, yeah, you might not have
• 6:18
  Speaker 4: achieved this, but did we actually start where we needed
• 6:20
  Speaker 4: to start. The other thing I've written down here is
• 6:23
  Speaker 4: reflection taps into metacognition, or the ability to think about
• 6:28
  Speaker 4: our own thinking.
• 6:29
  Speaker 2: Okay, I'm going to have to get that broken down,
• 6:32
  Speaker 2: think about your own thinking. Yep.
• 6:34
  Speaker 4: So studies have actually shown us that by engaging in
• 6:37
  Speaker 4: reflective practices. He sounded hippie dippy at the start, but
• 6:40
  Speaker 4: I promise it's real research.
• 6:42
  Speaker 2: I love it.
• 6:42
  Speaker 4: It boosts self awareness and it improves future performance. Yes,
• 6:48
  Speaker 4: so by recognizing and internalizing patterns, we effectively become better
• 6:53
  Speaker 4: at coaching ourselves towards making strategic decisions.
• 6:56
  Speaker 2: Yes.
• 6:57
  Speaker 4: So we're thinking about the way that we're thinking, and
• 6:59
  Speaker 4: that helps us think clearer. I get that I am doing,
• 7:03
  Speaker 4: like investing the money that our money makes makes money.
• 7:05
  Speaker 4: It's like your brain is braining, and then if you
• 7:08
  Speaker 4: brain properly, you'll be able to brain more.
• 7:11
  Speaker 3: Yeah.
• 7:12
  Speaker 2: Put that on a T shirt and wear it. Yeah,
• 7:14
  Speaker 2: we really are. Our brains are really remarkable.
• 7:17
  Speaker 4: But brains are so crazy to think that I'm in
• 7:19
  Speaker 4: my own head thinking about my own head.
• 7:23
  Speaker 2: Now, where you're sitting, you're perceiving the room a different
• 7:26
  Speaker 2: way I'm perceiving.
• 7:26
  Speaker 4: Right, And how do we know that something looks different
• 7:29
  Speaker 4: to one of us exactly?
• 7:30
  Speaker 1: Like?
• 7:30
  Speaker 2: How did you work out that people were color blind?
• 7:33
  Speaker 4: Yes, well that's like, oh that's a really nice red
• 7:36
  Speaker 4: light and the red light where how do they exactly?
• 7:40
  Speaker 4: I need to do a lot more research, but back
• 7:42
  Speaker 4: onto this. So, yes, it's important because by understanding why
• 7:46
  Speaker 4: you're making certain decisions back whether they were great or
• 7:49
  Speaker 4: maybe they could use a little bit of work, we
• 7:52
  Speaker 4: are actually empowering ourselves to approach the future with clarity
• 7:55
  Speaker 4: and confidence, which I think is important. It's not about
• 7:58
  Speaker 4: being perfect, like nobody needs need to be perfect and
• 8:00
  Speaker 4: none of us are perfect. It's about learning from the
• 8:04
  Speaker 4: messy bits and then celebrating the moments where we've freakinhaled it,
• 8:07
  Speaker 4: like we need to celebrate ourselves.
• 8:10
  Speaker 2: Yes, so what if someone is hypothetically sitting there and thinking,
• 8:14
  Speaker 2: mayu's mess where do we even start? How do I?
• 8:18
  Speaker 2: It passes when it all kind of like feels like
• 8:19
  Speaker 2: one big blur, don't worry, Beck, don't you worry? Next
• 8:23
  Speaker 2: year is a new year.
• 8:24
  Speaker 4: Twenty twenty thrive, Yes, twenty twenty thrives so lame. But
• 8:29
  Speaker 4: also reflecting doesn't have to be this like a big, overwhelming,
• 8:32
  Speaker 4: arduous task. It's about creating a little space where we
• 8:36
  Speaker 4: can just be honest about a year. It's like when
• 8:38
  Speaker 4: you do budgets and you know how I say, like
• 8:39
  Speaker 4: don't judge yourself, Like, what's the point in that if
• 8:42
  Speaker 4: you sit down and you're going to look at your
• 8:43
  Speaker 4: budget and be like, oh, I'm so bad.
• 8:45
  Speaker 2: I'm not good at UPC Okay, cool.
• 8:47
  Speaker 4: So this was an exercise in making ourselves feel like
• 8:49
  Speaker 4: trash about our situation, yeah do?
• 8:52
  Speaker 2: Or is it an.
• 8:52
  Speaker 4: Exercise in identifying what's going on so that we can
• 8:55
  Speaker 4: create a clear plan for the future, Like, just draw
• 8:58
  Speaker 4: a line and sand I don't want to hear all
• 9:00
  Speaker 4: of the junk where you question yourself and say that
• 9:02
  Speaker 4: you're bad at things.
• 9:03
  Speaker 2: You're not.
• 9:03
  Speaker 4: You just didn't have a plan, Like people are like,
• 9:05
  Speaker 4: oh my god, I'm so bad at money v No,
• 9:08
  Speaker 4: you're not. You just didn't have a framework. What I
• 9:10
  Speaker 4: want you to do when it comes to thinking about
• 9:12
  Speaker 4: your year is find a moment ask yourself, beck what
• 9:17
  Speaker 4: worked this year? Right?
• 9:18
  Speaker 2: What didn't work? What did you learn?
• 9:20
  Speaker 4: Do you feel icky about anything? Do you feel really
• 9:22
  Speaker 4: good about anything?
• 9:23
  Speaker 2: What are they?
• 9:24
  Speaker 4: Don't overthink it.
• 9:25
  Speaker 2: It's not perfection.
• 9:26
  Speaker 4: No one else has to look at this, by the way,
• 9:27
  Speaker 4: like you could even burn the note after if you're like, oh,
• 9:29
  Speaker 4: I don't really want to write it. Yeah, I got
• 9:32
  Speaker 4: asked the other day like, V do you journal, and
• 9:34
  Speaker 4: I was like, absolutely not. I'd end up in jail,
• 9:36
  Speaker 4: like you would use that stuff in a court of
• 9:39
  Speaker 4: law against me.
• 9:40
  Speaker 2: I can't write it down what happens in here.
• 9:43
  Speaker 4: I don't need you to be perving on it. I
• 9:44
  Speaker 4: want you to go to my bedside table and pick
• 9:46
  Speaker 4: it up and be like, holy g a moment, she
• 9:48
  Speaker 4: is as cooked as we thought she was.
• 9:50
  Speaker 2: Whenever I like try to journal, I always write in
• 9:52
  Speaker 2: a way where I'm traveler might read, Yeah, I'm trying
• 9:55
  Speaker 2: to be cool. I do the same thing though, and
• 9:58
  Speaker 2: I'm like, no one's gonna remain diary. Yeah, it's not
• 10:02
  Speaker 2: a big deal or anything, but I just save someone's life,
• 10:05
  Speaker 2: you know. I'm just trying to be really cool and
• 10:06
  Speaker 2: really like not too like dramatic.
• 10:07
  Speaker 4: But I wouldn't want to actually put my real feelings
• 10:09
  Speaker 4: down if somebody reads, it's really not the point of journal.
• 10:14
  Speaker 2: Yeah.
• 10:15
  Speaker 4: Yeah, you have to put that down, but you can
• 10:17
  Speaker 4: burn it later if you really want to, Like we.
• 10:18
  Speaker 2: Can destroy the evidence. Yes, we can get rid of it.
• 10:21
  Speaker 4: But it's actually about being curious, Like what did you
• 10:25
  Speaker 4: start thinking about jot it down? The goal is really simple.
• 10:28
  Speaker 4: We want to spot the lessons and celebrate the wins
• 10:31
  Speaker 4: and let the rest go exactly right.
• 10:33
  Speaker 2: So this is kind of in the same vein, But
• 10:36
  Speaker 2: I'll just know that, like I get to the end
• 10:38
  Speaker 2: of the year, I'm reflecting, I'm looking at the things
• 10:40
  Speaker 2: that didn't work, and when I'm writing up new things,
• 10:44
  Speaker 2: I'll be like, Okay, we know the motivation is fleeting.
• 10:46
  Speaker 2: We know that we're going to get to a point
• 10:48
  Speaker 2: where my motivation here for one moment, gone forever exactly,
• 10:51
  Speaker 2: and I'm just like, Okay, next week, I'm going to
• 10:53
  Speaker 2: feelmpletely different. Next week, I'm going to be really unmotivated.
• 10:56
  Speaker 2: I'm going to predict the really crappy feelings, the ones
• 10:59
  Speaker 2: that lead me astray from my goals, and be like,
• 11:02
  Speaker 2: when I feel that way, and I know I will,
• 11:04
  Speaker 2: I'm going to do X y Z. So you just
• 11:06
  Speaker 2: could be honest about you might not stick to ease,
• 11:09
  Speaker 2: but what are you going to do when you feel
• 11:10
  Speaker 2: like not sticking to them anymore? Anyway, back onto the topic.
• 11:14
  Speaker 2: When we are thinking about this, should we like at
• 11:16
  Speaker 2: least acknowledged that twenty twenty four was a year, which
• 11:19
  Speaker 2: is start by acknowledging this year, I mean you took
• 11:23
  Speaker 2: over as the sole owner of Zella, which is incredible. God,
• 11:26
  Speaker 2: you released not one, but two books.
• 11:29
  Speaker 4: Yeah in one year, that was pretty big sleigh for me.
• 11:31
  Speaker 2: Yeah, you created an entire invessing master class, started churning
• 11:35
  Speaker 2: out four podcast episodes. We're actually unhinged. Yeah, yeah, you're unhinged.
• 11:39
  Speaker 2: Is this like a call Victoria out least it is?
• 11:42
  Speaker 2: And also if that wasn't enough, the most important thing
• 11:44
  Speaker 2: you went on a holiday. You went a holiday, and
• 11:46
  Speaker 2: you created a whole new life.
• 11:49
  Speaker 4: I had a baby that's actually unhinged. I'm tired, just myself.
• 11:54
  Speaker 4: I'm just sick of my own I'm sick of it
• 11:57
  Speaker 4: straight in the it's an expostive list, and that's why
• 12:00
  Speaker 4: I feel a little bit embarrassed when I'm like, oh,
• 12:02
  Speaker 4: I didn't really achieve my goals list, and like I
• 12:05
  Speaker 4: want to share my honest feelings about you know, hey,
• 12:09
  Speaker 4: this is what's going on, this is how I'm feeling,
• 12:11
  Speaker 4: rah are. But then also you do stuff like that
• 12:13
  Speaker 4: and you make me look really bad, Like all of
• 12:16
  Speaker 4: that makes me look great. But then I'm like, I
• 12:18
  Speaker 4: didn't achieve my goals and people are going to be like,
• 12:20
  Speaker 4: shut up, Victoria sure you do have ever, we also
• 12:23
  Speaker 4: have a whole team behind me, right, Like I did
• 12:25
  Speaker 4: write two books, that's fantastic, But do you really think
• 12:27
  Speaker 4: I sat there and wrote the entire investing masterclass in
• 12:30
  Speaker 4: isolation and then built a whole online platform, Like I
• 12:34
  Speaker 4: have a team behind me. It's will be so sick
• 12:37
  Speaker 4: of me, but like it takes a village and I'm
• 12:40
  Speaker 4: very very lucky for that. So yes, my plate was
• 12:43
  Speaker 4: very full, very grateful. But there's so much stuff I
• 12:47
  Speaker 4: want to do next year, Like next year is the
• 12:49
  Speaker 4: year of Zella love that.
• 12:51
  Speaker 2: What about me?
• 12:53
  Speaker 4: You can come along for the ride. I mean I'm
• 12:55
  Speaker 4: still here literally every day.
• 12:57
  Speaker 2: Perfect. Okay, that's very company with everything you had on
• 12:59
  Speaker 2: your plates. What's the biggest lesson twenty twenty four taught
• 13:03
  Speaker 2: you a boy yourself?
• 13:03
  Speaker 4: Well, I have a couple of lessons, but I did
• 13:06
  Speaker 4: sign an NDA, so I'm just going to share the
• 13:08
  Speaker 4: ones that I can share. Okay, that makes it sound
• 13:11
  Speaker 4: so much more. Yeah, I saw that on TikTok.
• 13:13
  Speaker 2: The other day.
• 13:14
  Speaker 4: Someone was like, what if somebody asks about like a
• 13:16
  Speaker 4: break in your career, Like they're like, oh, Beck, you
• 13:18
  Speaker 4: weren't employed for six months? Here, what happened, just say
• 13:21
  Speaker 4: I could talk about it, but I signed an NDA.
• 13:22
  Speaker 2: Oh that is so cool. Wouldn't that be funny? That's cool.
• 13:26
  Speaker 4: Can you imagine interviewing somebody and then going, I can't
• 13:29
  Speaker 4: talk about that.
• 13:29
  Speaker 2: I signed an NDA.
• 13:31
  Speaker 4: That is really cool, So funny anyway, complete side note,
• 13:34
  Speaker 4: what was my biggest lesson? Do you know what my
• 13:37
  Speaker 4: biggest lesson was? And this is hard, right, it's two things.
• 13:42
  Speaker 4: I feel like I trust too easily, but I don't
• 13:45
  Speaker 4: think that that's a bad thing.
• 13:46
  Speaker 2: I think at the start.
• 13:47
  Speaker 4: Of this year, I was like, this is a terrible thing.
• 13:49
  Speaker 4: I trust everyone too easily and I shouldn't. But I
• 13:51
  Speaker 4: think that's actually a really good personality trait. Although hard,
• 13:55
  Speaker 4: I think I learned that I can do it on
• 13:57
  Speaker 4: my own. So like I think for a very long time,
• 14:00
  Speaker 4: I have thought that I need other people to help
• 14:03
  Speaker 4: me along my journey. I need other people to come
• 14:06
  Speaker 4: in and I can't possibly do this on my own.
• 14:08
  Speaker 4: I need, you know, a hand to hold or something
• 14:11
  Speaker 4: to do. And I'm actually completely capable of doing it
• 14:13
  Speaker 4: on my own. I obviously say this every year, but
• 14:16
  Speaker 4: like it's about the process, not perfection, and like done
• 14:20
  Speaker 4: is much better than perfect.
• 14:21
  Speaker 2: So I've learned that.
• 14:23
  Speaker 4: I've also learned that I probably put too much pressure
• 14:25
  Speaker 4: on myself.
• 14:27
  Speaker 2: But then what else have I learned?
• 14:29
  Speaker 4: My instincts aren't wrong.
• 14:31
  Speaker 2: You gotta trust that fetuition. Yeah, like it's bad.
• 14:35
  Speaker 4: But like if you think something's off, Yeah, even when
• 14:39
  Speaker 4: you ask and they say na, na, na, no thing's off,
• 14:42
  Speaker 4: I'm all good.
• 14:43
  Speaker 2: Nah.
• 14:43
  Speaker 4: If you felt that something was off, something's off.
• 14:45
  Speaker 2: I gotta agree.
• 14:46
  Speaker 4: Your body knows, and I don't know how it knows.
• 14:48
  Speaker 4: And the more I feel like I tune into that,
• 14:50
  Speaker 4: the more I am learning about that.
• 14:53
  Speaker 2: Yeah, I don't know.
• 14:54
  Speaker 4: Maybe I'm gonna like launch a universe podcast or something
• 14:58
  Speaker 4: in twenty twenty five and go full hipidip. But like,
• 15:00
  Speaker 4: I genuinely think you need to trust your intuition. If
• 15:03
  Speaker 4: your first reaction is this is not good, I promise
• 15:06
  Speaker 4: it's not. I've heard about like this bride who just
• 15:08
  Speaker 4: kept getting sick and just like she already kind of
• 15:10
  Speaker 4: knew there was something wrong with the relationship she was in,
• 15:12
  Speaker 4: but then there was the engagement. That's all this gift sharing.
• 15:16
  Speaker 2: You know, all this stuff. Everything was coming up, everything
• 15:17
  Speaker 2: was coming up, and she kept getting sick and she
• 15:19
  Speaker 2: did find out that something was wrong. So I feel
• 15:21
  Speaker 2: like your body knows, trust your body trust you in
• 15:22
  Speaker 2: sick I feel it's really good.
• 15:23
  Speaker 4: Trusting your gut is really important. Like I always say that.
• 15:27
  Speaker 4: Then I wasn't doing it. I feel iky, but like,
• 15:30
  Speaker 4: oh my god, everyone feels ikey doing this, Like this
• 15:33
  Speaker 4: is such a big decision.
• 15:34
  Speaker 2: Yeah, it's hard to distinguish.
• 15:37
  Speaker 4: There might be a reason for that. So, like it's
• 15:39
  Speaker 4: hard academically right, like, oh, I'm working so hard full stop,
• 15:42
  Speaker 4: but like if there is a process and there's so
• 15:44
  Speaker 4: much friction getting something across the line, maybe it's not
• 15:47
  Speaker 4: meant to happen.
• 15:48
  Speaker 2: I agree. So with so much going on, how did
• 15:50
  Speaker 2: you manage to balance the demands of work, motherhood, and
• 15:52
  Speaker 2: just you know, like being a human. Was there a
• 15:54
  Speaker 2: moment where you say, okay something, Yes, a lot of tears,
• 15:58
  Speaker 2: I'm sorry to here.
• 15:59
  Speaker 4: I feel like that's normal. Like if I feel overwhelmed,
• 16:02
  Speaker 4: sometimes I.
• 16:03
  Speaker 2: Just crack and I don't feel fry.
• 16:05
  Speaker 4: Like you know when you're just like, oh my god,
• 16:07
  Speaker 4: do this. It doesn't happen that often, to be honest,
• 16:10
  Speaker 4: doesn't happen at work.
• 16:11
  Speaker 2: You're welcome, But I think it's you're allowed, though, Yeah, like.
• 16:15
  Speaker 4: Something's got to give. I think I was very good
• 16:18
  Speaker 4: at foreseeing that this year would be a big year
• 16:22
  Speaker 4: for us at work, knowing I was having a baby.
• 16:24
  Speaker 4: We did a lot of pre planning to make sure
• 16:26
  Speaker 4: that we knew how this was going to go. But like,
• 16:29
  Speaker 4: I think it was just a challenging year as a whole,
• 16:32
  Speaker 4: and like that's not a bad thing. It has been
• 16:34
  Speaker 4: the best year of my entire life at the same
• 16:37
  Speaker 4: time as one of the worst. Yeah, so like best year.
• 16:40
  Speaker 2: I am a mom.
• 16:41
  Speaker 4: Do you know how obsessed I am with my kid?
• 16:43
  Speaker 4: Like I was born to be a mom. This is
• 16:45
  Speaker 4: the best. Like I could not sell it to you
• 16:48
  Speaker 4: harder beck, Like, I'm not saying that it's very everybody,
• 16:51
  Speaker 4: because someone the other day was like, I don't know,
• 16:52
  Speaker 4: I'm sitting on the fence about having a baby, and
• 16:54
  Speaker 4: I was like, don't do it. Yeah, like it's the
• 16:56
  Speaker 4: best thing that's ever happened to me. But it does
• 16:58
  Speaker 4: change your life. Yeah, it doesn't mean like in a
• 17:01
  Speaker 4: philosophical like oh my god, it's life changing way, Like
• 17:03
  Speaker 4: literally every single day looks very different to what it
• 17:07
  Speaker 4: did twelve months ago. Like my entire life revolves around
• 17:10
  Speaker 4: this tiny human and I don't want it anyway, yel like,
• 17:13
  Speaker 4: I don't want to change that. It's a big decision.
• 17:15
  Speaker 2: You gotta want it.
• 17:16
  Speaker 4: Then, on the flip side, oh my lord, business life
• 17:19
  Speaker 4: is hard, Like you know, I'm not going to get
• 17:22
  Speaker 4: too far into it, but I had a business partner
• 17:24
  Speaker 4: leave and that was obviously incredibly challenging. Finding that out
• 17:30
  Speaker 4: when I was very, very pregnant was not great. Having
• 17:34
  Speaker 4: to take over a business when I had a literal
• 17:37
  Speaker 4: newborn was incredibly challenging. All of those things could have
• 17:43
  Speaker 4: been avoided with some good planning and communication. But you
• 17:48
  Speaker 4: get what you get, and you don't get upset.
• 17:49
  Speaker 2: Do you bet? Well, that's exactly right. It is what
• 17:52
  Speaker 2: it is. I feel like we've just barely scraped the
• 17:55
  Speaker 2: surface because it has been such a ride for you.
• 17:58
  Speaker 2: But we have a lot of reflecting to do. Come back,
• 18:00
  Speaker 2: I want to dive into some of the biggest curve
• 18:02
  Speaker 2: balls of your year and hear what you've learned of
• 18:04
  Speaker 2: my year. Yeah, alright, I'm strapping in. I mean, I
• 18:08
  Speaker 2: might have one or two. I don't think I do. Actually,
• 18:10
  Speaker 2: don't go anywhere. Welcome back everyone, before the break, We're
• 18:16
  Speaker 2: chatting about all the incredible things you've tackled this year. V.
• 18:19
  Speaker 2: But let's get into the juicy stuff. What'd you see stuff?
• 18:21
  Speaker 2: If you got to bring to the table, you just
• 18:24
  Speaker 2: got a hot girlfriend. I'm so good at life. I'm thick.
• 18:28
  Speaker 2: So you lucked out this year. I did, like out
• 18:31
  Speaker 2: was my redundant though. Yeah, but then you got a
• 18:33
  Speaker 2: better job. I did get a better job. And I
• 18:35
  Speaker 2: probably said this already on the show, but I was
• 18:36
  Speaker 2: like sitting in like my cart, I just kind of
• 18:38
  Speaker 2: like felt defeat. I didn't have any petrol to drive home.
• 18:41
  Speaker 2: I didn't have the money. I didn't want to be
• 18:43
  Speaker 2: that person, and I was just like I said in
• 18:45
  Speaker 2: my card, I cried, tell me about this. Oh I'm
• 18:48
  Speaker 2: so sorry. Yeah, just breaks my heart. I think that
• 18:51
  Speaker 2: was my curve ball was just like I'm good at
• 18:53
  Speaker 2: being broke. I've been broke for a long time. Like
• 18:55
  Speaker 2: not having much money.
• 18:56
  Speaker 4: It's a bit different when you're like, yeah, thanks, it changed.
• 18:59
  Speaker 2: This was because it was like there is no money
• 19:01
  Speaker 2: coming and there is no money left. And I was
• 19:05
  Speaker 2: like I always borrow money from my friends, but at
• 19:08
  Speaker 2: this point, like my one friend who lived she had
• 19:11
  Speaker 2: no money either, So we were kind of borrowing from
• 19:13
  Speaker 2: each other at this point, and so I had nothing
• 19:15
  Speaker 2: left and I was like, oh my god, I don't
• 19:18
  Speaker 2: know what to do. I ended up calling my mom,
• 19:19
  Speaker 2: which was lovely, and I was like, Okay, I've got
• 19:20
  Speaker 2: Petrov get home, and now I'm just gonna like see
• 19:22
  Speaker 2: my life. So I was probably honestly, the reduci was
• 19:25
  Speaker 2: my curve ball and I wanted only I'm very grateful
• 19:28
  Speaker 2: to say that was all.
• 19:28
  Speaker 4: But then what happened because we need to like and
• 19:31
  Speaker 4: it was like around twenty jobs, twenty jobs.
• 19:34
  Speaker 2: I do video producing on the side. I have this job,
• 19:36
  Speaker 2: which I'm very grateful for. I just went back to
• 19:38
  Speaker 2: the same company and better pay, better job, you know,
• 19:41
  Speaker 2: all the good stuff.
• 19:41
  Speaker 4: So she's got two side hustles and a full time.
• 19:44
  Speaker 2: Yeah, glow up of the year. I think you said it,
• 19:47
  Speaker 2: but vat back to you. Was there a moment this
• 19:49
  Speaker 2: year where you took a risk or just followed your
• 19:51
  Speaker 2: a gut on something and it ended up paying off
• 19:53
  Speaker 2: big time.
• 19:55
  Speaker 4: I feel like I should be giving fluffy answers here
• 19:57
  Speaker 4: because I'm like the Real Ants series a bit juicy
• 20:00
  Speaker 4: gossy tell us. I'm trying to think of something less
• 20:04
  Speaker 4: juicy gossy, but like, you know what, I have the
• 20:06
  Speaker 4: juicy gossy.
• 20:07
  Speaker 2: I haven't done anything that I am not proud of.
• 20:10
  Speaker 4: I have treated every situation with sometimes the kindness it
• 20:15
  Speaker 4: did not deserve, sure, and the grace that if anyone
• 20:19
  Speaker 4: were to say anything bad about me, they would simply
• 20:21
  Speaker 4: know that that wasn't the case. Like, I just am
• 20:24
  Speaker 4: very proud of the way that I have dealt with
• 20:26
  Speaker 4: a lot of things that have happened this year, because
• 20:28
  Speaker 4: I could have been a nasty pasty and I wasn't.
• 20:32
  Speaker 2: Well, I'm very proud of you.
• 20:33
  Speaker 4: Not that I would be, but a lot of people
• 20:35
  Speaker 4: in my situation, I think would have been like bury it,
• 20:38
  Speaker 4: do this, do that? Like I've gone a bit savage.
• 20:40
  Speaker 4: I want to be able to look back on it,
• 20:42
  Speaker 4: and if I were sitting at the table with somebody,
• 20:44
  Speaker 4: I can say I actually carried myself with ultimate grace,
• 20:47
  Speaker 4: ultimate kindness, and you cannot say the same thing. And
• 20:49
  Speaker 4: I think that that is what helps me, or has
• 20:53
  Speaker 4: helped me get through a lot of this. I'm like,
• 20:55
  Speaker 4: do you know what I killed it with kindness? I
• 20:57
  Speaker 4: did so well? Yeah, And I guess one of the
• 20:59
  Speaker 4: big risks I took on this year was I purchased
• 21:05
  Speaker 4: half of my mortgage broking business back off a business
• 21:08
  Speaker 4: partner that I had that was not the right fit.
• 21:11
  Speaker 4: It just wasn't working out. Wasn't the right.
• 21:14
  Speaker 2: Fit, that is all I will say.
• 21:16
  Speaker 4: And purchasing that back was a choice that was kind
• 21:21
  Speaker 4: of forced, if that makes sense. Like they were leaving.
• 21:24
  Speaker 4: It wasn't an option for them to stay. And at
• 21:28
  Speaker 4: that time, I had the choice. I could have hired
• 21:30
  Speaker 4: someone to take on that role, right. I could have said,
• 21:32
  Speaker 4: all right, I'm just going to go hire an external person,
• 21:35
  Speaker 4: maybe like an office manager or like you know, a
• 21:38
  Speaker 4: managing director or someone to come in and run that business.
• 21:41
  Speaker 4: We had the funds to do so. But I think
• 21:44
  Speaker 4: that I could just see that the way the business
• 21:47
  Speaker 4: was running was not the way I wanted it to run.
• 21:49
  Speaker 4: And nobody is you, right, Like, if I wanted to
• 21:53
  Speaker 4: run the way that I wanted to run, I have
• 21:55
  Speaker 4: to frigg and run it. I have to jump in
• 21:57
  Speaker 4: and do this and do that. And so I made
• 22:00
  Speaker 4: decision to take on, with a newborn baby, a full
• 22:06
  Speaker 4: time job. And I am very grateful for my husband
• 22:09
  Speaker 4: and the team and literally everybody who's afforded me the
• 22:11
  Speaker 4: flexibility to be able.
• 22:12
  Speaker 2: To do that.
• 22:13
  Speaker 4: But I have taken over the whole mortgage broking business
• 22:16
  Speaker 4: and it is flying now, like it is exactly where
• 22:19
  Speaker 4: I wanted it to be. Like we are starting twenty
• 22:22
  Speaker 4: twenty five with more team members than we had at
• 22:25
  Speaker 4: this time last year. We've hired some incredible brokers. I
• 22:29
  Speaker 4: don't know how do I explain it. I feel like
• 22:30
  Speaker 4: the universe sometimes knows what you need, and I'd be like,
• 22:33
  Speaker 4: I really want this like personality in my business and
• 22:36
  Speaker 4: someone who's good at XYZ, and then all of a sudden,
• 22:39
  Speaker 4: like for example, earlier this year, I was like, far out,
• 22:41
  Speaker 4: I really like to find somebody who's good at like
• 22:44
  Speaker 4: commercial loans. So like we obviously specialize in mortgage broking,
• 22:48
  Speaker 4: but we're always getting asked like, hey, v do you
• 22:49
  Speaker 4: do commercial I was like yeah, like we technically can,
• 22:53
  Speaker 4: but we don't have a specialist. And the perfect person
• 22:56
  Speaker 4: just turns up and I was like, oh, I'd love
• 22:58
  Speaker 4: to work for Zella and I was like sorry, what, Like, HI,
• 23:00
  Speaker 4: come this way. So that has been really good, and
• 23:03
  Speaker 4: I think that the biggest risk was obviously taking that
• 23:07
  Speaker 4: role on. But also I'm not a mortgage broker. So
• 23:11
  Speaker 4: I'm a non mortgage broker running a relatively large sized
• 23:16
  Speaker 4: mortgage broking business all on my own. That's a risk,
• 23:20
  Speaker 4: it's extremely mass risky, and it's working out so far.
• 23:25
  Speaker 4: And I feel like I just knew in my gart
• 23:27
  Speaker 4: enough is enough. I can do this all on my own.
• 23:30
  Speaker 4: I don't need anybody else.
• 23:31
  Speaker 2: Yep.
• 23:32
  Speaker 4: And it's never been better.
• 23:33
  Speaker 2: I love that.
• 23:34
  Speaker 4: Is that bad? Is that too juicy or gossip? I
• 23:36
  Speaker 4: don't know if it's just just what it is right, Like.
• 23:39
  Speaker 2: If you had known back when you're starting Zella what
• 23:43
  Speaker 2: you know now, if you had the resources and the
• 23:46
  Speaker 2: capacity and all this stuff, everything was perfect, would you
• 23:49
  Speaker 2: have gone in alone or still?
• 23:51
  Speaker 4: Well, I did, I did so I started this business
• 23:54
  Speaker 4: myself in twenty seventeen. So I started in twenty seventeen
• 23:57
  Speaker 4: as a financial advice business and ran it on my own,
• 24:01
  Speaker 4: did all of that fun stuff. Had mortgage brokers working
• 24:04
  Speaker 4: for me, but I also have my financial advice team
• 24:06
  Speaker 4: when I was working as a financial advisor. In September
• 24:09
  Speaker 4: twenty twenty two, I sold the financial advice of the business,
• 24:13
  Speaker 4: so I kept owning Zella. I still had a mortgage
• 24:16
  Speaker 4: broking business. And I sold the financial advice business because
• 24:19
  Speaker 4: I knew I was getting married two months after that,
• 24:23
  Speaker 4: and I knew I wanted babies, and like something had
• 24:25
  Speaker 4: to give, right, Like I cannot run a big financial
• 24:28
  Speaker 4: advice business where I was the main advisor and have
• 24:31
  Speaker 4: a podcast and have mortgage broking and do all of
• 24:34
  Speaker 4: the stuff that I do, right, So sold that and
• 24:38
  Speaker 4: decided at about that time I would bring in a
• 24:40
  Speaker 4: business partner to look after my mortgage broking business, at
• 24:43
  Speaker 4: which point that kind of was established as a brand
• 24:46
  Speaker 4: new entity to make sure that everything was clean and good.
• 24:49
  Speaker 4: That's the business partner that's left. So it wasn't somebody
• 24:52
  Speaker 4: who established Zella with me. It was someone who technically
• 24:55
  Speaker 4: worked and was employed by Zella, but also had a
• 24:58
  Speaker 4: shareholding in the business. Understand, Okay, So then they exited,
• 25:03
  Speaker 4: so I was technically the owner of like all of
• 25:05
  Speaker 4: the other stuff.
• 25:06
  Speaker 2: So it's not like I would have quote lost my business.
• 25:09
  Speaker 2: It was intertwined or two tangle. No.
• 25:12
  Speaker 4: No, And that's what a good shareholders agreement will do
• 25:14
  Speaker 4: for you.
• 25:14
  Speaker 2: Gosh, she's good. So were there any moments this year
• 25:17
  Speaker 2: where things like, I know, this is kind of what
• 25:18
  Speaker 2: we're talking about but like digital plan or obviously that
• 25:22
  Speaker 2: y yes, but like business podcasts or life.
• 25:25
  Speaker 4: And everything, you can never plan anything, know, like you
• 25:29
  Speaker 4: can plan to the nth degree, right, but that doesn't
• 25:32
  Speaker 4: mean that your plan is going to work out. So
• 25:35
  Speaker 4: I think just being flexible and going like all right,
• 25:37
  Speaker 4: well what can we do instead?
• 25:38
  Speaker 2: Or all right, no worries.
• 25:39
  Speaker 4: Like in our industry there is always changing moving parts,
• 25:44
  Speaker 4: like the way algorithms work, the way podcast measurement works,
• 25:48
  Speaker 4: the way things actually eventuate. It's always changing. And whether
• 25:53
  Speaker 4: that is you know, oh far out, you know in
• 25:55
  Speaker 4: a couple of weeks, you know, Spotify are doing this,
• 25:58
  Speaker 4: you know, highlight on a particular topic, so I want
• 26:01
  Speaker 4: to make sure that my topic kind of aligns. Like
• 26:03
  Speaker 4: you will change your podcast plan all the way through
• 26:06
  Speaker 4: to changing staff members and whatnot, like you just roll
• 26:10
  Speaker 4: with the punches. I feel, yeah, I feel like we're
• 26:12
  Speaker 4: all just making it up. Still absolutely, And also you
• 26:15
  Speaker 4: just adapt, don't you just just do what you got
• 26:17
  Speaker 4: to do, but always lead with.
• 26:18
  Speaker 2: Kindness is the plan that's gorgeous.
• 26:21
  Speaker 4: I don't know if it is just like do good,
• 26:23
  Speaker 4: be good, Like I can't imagine telling my grandma something
• 26:27
  Speaker 4: that I wasn't proud of you know, if I can't,
• 26:28
  Speaker 4: if I couldn't tell my nana.
• 26:30
  Speaker 2: Shouldn't be doing it? Should you? Oh that's a really
• 26:32
  Speaker 2: good way to look at it. Now she's in the money.
• 26:35
  Speaker 2: Oh yeah, I've heard of that. Have you heard of
• 26:37
  Speaker 2: that podcast?
• 26:38
  Speaker 4: Nah?
• 26:38
  Speaker 2: It's grown so much this year and the community feels
• 26:40
  Speaker 2: stronger than ever I feel. So, was there a piece
• 26:43
  Speaker 2: of feedback or a moment with a listener that really
• 26:45
  Speaker 2: stuck with you?
• 26:46
  Speaker 4: I want to say yes, and I want to say no, Sure,
• 26:50
  Speaker 4: is that bad? No? It probably is because there's been
• 26:54
  Speaker 4: so many of them. So it's not just like one
• 26:56
  Speaker 4: moment that I'm like, this is the moment that I remember.
• 26:59
  Speaker 2: It's like a collection. It's like.
• 27:02
  Speaker 4: A whole heap of like little memories from you know,
• 27:05
  Speaker 4: doing money diaries and you know, jumping on zoom to
• 27:08
  Speaker 4: record and then being like hey, just before we jump in.
• 27:10
  Speaker 4: I just want to say that, like, my entire life
• 27:12
  Speaker 4: has changed because if she's on the money, quite what
• 27:15
  Speaker 4: running into people at the zoop market and they're like, hey,
• 27:17
  Speaker 4: you're Victoria, aren't you, And I'd be like, oh, yeah,
• 27:19
  Speaker 4: I yes, I'm all my husband's track pants and they're like,
• 27:22
  Speaker 4: oh my god, I am only good at money because
• 27:25
  Speaker 4: you taught me how to. And I got out of
• 27:27
  Speaker 4: zip pay. Like I was at an event and a
• 27:29
  Speaker 4: girl came up to me. She's like, I'm so sorry
• 27:30
  Speaker 4: to do this is so weird, but I just need
• 27:32
  Speaker 4: you to know that. Like I was in so much
• 27:33
  Speaker 4: personal debt that I was about to file for bankruptcy
• 27:35
  Speaker 4: and because of your podcast, I didn't.
• 27:37
  Speaker 2: That's incredby. Isn't that sick?
• 27:38
  Speaker 4: Yeah, Like message us every day with their like money
• 27:41
  Speaker 4: wins and confessions.
• 27:42
  Speaker 2: And I don't want you to stop.
• 27:44
  Speaker 4: Like it's my favorite part of our community is not
• 27:46
  Speaker 4: just sharing, but the fact that we have an impact.
• 27:49
  Speaker 4: And I think is there one moment, No, because they're
• 27:51
  Speaker 4: all so special in their own way, but I think it's, yeah,
• 27:56
  Speaker 4: just this idea that we help you create the life
• 27:59
  Speaker 4: you deserve. I know this question was not directed to
• 28:02
  Speaker 4: me at all, but I just feel like when I
• 28:05
  Speaker 4: was asked to do this, I was like, this isn't
• 28:07
  Speaker 4: gonna last long. I don't know anything about money, and
• 28:09
  Speaker 4: which is good, that's what I need. But like it's
• 28:12
  Speaker 4: just incredible.
• 28:12
  Speaker 2: And so people will sometimes message me to tell me
• 28:15
  Speaker 2: that they enjoy me on the podcast or even when
• 28:17
  Speaker 2: people send me their Brogue tips.
• 28:18
  Speaker 4: I'm like, it's almost like actually capable.
• 28:22
  Speaker 2: Yeah, like you see me and you value the role
• 28:26
  Speaker 2: that I play on this show. I'm literally in chills
• 28:29
  Speaker 2: onto it. It's like that is so so cool. Yeah,
• 28:35
  Speaker 2: I just think we have an incredible community and I.
• 28:36
  Speaker 4: Love our community. But like it's because you show up
• 28:40
  Speaker 4: is exactly who.
• 28:40
  Speaker 2: You are, and that's what we want.
• 28:42
  Speaker 4: Like I don't want you to be pretending to be
• 28:44
  Speaker 4: somebody else, so like trying to be good at money
• 28:46
  Speaker 4: for the show.
• 28:47
  Speaker 2: No, everyone is welcome here. That is really really cool.
• 28:50
  Speaker 2: I love love that. Thank you for sharing that. That's
• 28:52
  Speaker 2: so cool. See you. Oh my god. You've mentioned before
• 28:57
  Speaker 2: about how becoming a mum has shifted your perspective. If
• 29:00
  Speaker 2: do you feel like it has changed the way you
• 29:01
  Speaker 2: approach your goals or your time.
• 29:03
  Speaker 4: I want to say yes and no. I feel like
• 29:06
  Speaker 4: I've done that to every question you've had. I'm like, yeah, nah,
• 29:09
  Speaker 4: and why does it It's not from a business perspective, No,
• 29:13
  Speaker 4: it has just motivated me to do more and be more.
• 29:17
  Speaker 4: Like I just go, oh, there's so much more I
• 29:20
  Speaker 4: want to do, and like I'm motivated now in a
• 29:22
  Speaker 4: way that I wasn't before my time. I think I
• 29:26
  Speaker 4: am more defensive of it. Yeah, So like before, if
• 29:30
  Speaker 4: you said, Harvey, I know you don't work on Mondays,
• 29:33
  Speaker 4: but could you come in and do a half day.
• 29:34
  Speaker 2: Record, I'd be like, yeah, no worries, Like that's so fine. Beck.
• 29:37
  Speaker 4: If you ask me now to do something on a Monday,
• 29:39
  Speaker 4: I'll be like absolutely, not, absolutely and absolutely not. That's
• 29:42
  Speaker 4: actually my time with Harvey. And that's I told you
• 29:45
  Speaker 4: that was my time with Harvey.
• 29:46
  Speaker 2: Respect it.
• 29:47
  Speaker 4: I'm flexible, but I do prioritize him and his well being,
• 29:52
  Speaker 4: and I think that that's the bare minimum of being
• 29:55
  Speaker 4: a parent. But then also it's like this inherent like
• 29:58
  Speaker 4: I want him to reflect on his childhood and be like,
• 30:01
  Speaker 4: far out it was such a good child. Like I'm
• 30:03
  Speaker 4: obsessed with being a mum and being his mum. And
• 30:07
  Speaker 4: I think it has definitely shifted my perspective in terms
• 30:11
  Speaker 4: of like what that work life balance looks like and
• 30:13
  Speaker 4: being a little bit more aggressive about.
• 30:15
  Speaker 2: Protecting it, protecting a piece.
• 30:17
  Speaker 4: But I think a lot of people had said to
• 30:19
  Speaker 4: me when I was pregnant or even before I had
• 30:21
  Speaker 4: a baby, they're like, just wait until you have baby.
• 30:23
  Speaker 2: Because like your priorities will shift.
• 30:24
  Speaker 4: And I feel like they were saying that in a
• 30:26
  Speaker 4: way that it was like, oh, you won't care so
• 30:28
  Speaker 4: much about work, or you you know, won't love doing X,
• 30:32
  Speaker 4: Y Z as much. I think I've been very lucky
• 30:34
  Speaker 4: and very supported in becoming a mum that I still
• 30:37
  Speaker 4: love what I loved before. I can understand when people
• 30:41
  Speaker 4: say I became a mum and I lost myself. But
• 30:44
  Speaker 4: I think I became a mum and I was really
• 30:47
  Speaker 4: reinforced in who I was. But that's not saying that,
• 30:50
  Speaker 4: you know, other people don't go through that. I think
• 30:53
  Speaker 4: I was really worried about that. But I also think
• 30:56
  Speaker 4: before I became a mum, I was quite clear on
• 30:58
  Speaker 4: my goals and like my career and what was its
• 31:00
  Speaker 4: important to me. And I was really worried because people
• 31:03
  Speaker 4: make parenting sometimes sound awful. They're like, oh my god,
• 31:07
  Speaker 4: just wait until you don't get any sleep, Just wait
• 31:09
  Speaker 4: until you walk into daycare and pick them up, and
• 31:12
  Speaker 4: like their smile is the biggest thing in the room,
• 31:14
  Speaker 4: Like do you know what I mean? Like, I think
• 31:15
  Speaker 4: that there are so many people who think that you
• 31:19
  Speaker 4: can't do it. All or have it all, but they
• 31:22
  Speaker 4: don't realize you just can't do it all or have
• 31:23
  Speaker 4: it all at once. And I think it's about shifting perspective.
• 31:27
  Speaker 4: There's just a lot of people that would say, Oh,
• 31:29
  Speaker 4: I could never have a career be like you do
• 31:32
  Speaker 4: and put my kid in daycare. Do you know how
• 31:34
  Speaker 4: much better I am as a mum because of daycare?
• 31:36
  Speaker 4: Do you know how much better I am as a
• 31:38
  Speaker 4: mum because I have a career that nourishes me. If
• 31:42
  Speaker 4: you don't want that, like you do you as you know,
• 31:44
  Speaker 4: I couldn't care less what you do as long as
• 31:46
  Speaker 4: you're happy, like if you want to be stay at
• 31:48
  Speaker 4: home mum slate like I used to think that was
• 31:51
  Speaker 4: something that I would love. But I adore my job.
• 31:55
  Speaker 4: I adore what I do and what I get to do,
• 31:58
  Speaker 4: and daycare is just part of my village absolutely, And
• 32:01
  Speaker 4: you just feel happy and satisfied and fulfilled in your
• 32:04
  Speaker 4: everyday life, then you're going to be way happier. I
• 32:07
  Speaker 4: want him to see that, and I hope that that
• 32:08
  Speaker 4: work ethic rubs off on him and he then finds
• 32:12
  Speaker 4: his passion and that I don't know, I think that
• 32:14
  Speaker 4: that's how my perspective has shifted because it's not necessarily
• 32:19
  Speaker 4: the way I view things, because I genuinely thought that
• 32:22
  Speaker 4: everything would change and it just didn't. Yeah, but I
• 32:27
  Speaker 4: think it's just I've become a little bit more defensive
• 32:29
  Speaker 4: about the time that I have and the way I
• 32:30
  Speaker 4: want to spend that time and how I want that
• 32:32
  Speaker 4: to work.
• 32:33
  Speaker 2: Gorgeous. If you thought for.
• 32:35
  Speaker 4: A hot second, yeah, that I wasn't going to turn
• 32:37
  Speaker 4: the tables though on this entire show, you were wrong. Sure,
• 32:43
  Speaker 4: Like you use this whole episode to ask me the
• 32:45
  Speaker 4: big questions. So I think it's time to put you
• 32:48
  Speaker 4: in the hot seat. So strappy and buckle up. You
• 32:50
  Speaker 4: are absolutely in trouble. No, okay, let's go. I want
• 32:54
  Speaker 4: to hear about your year, your moments, and maybe some
• 32:57
  Speaker 4: financial confessions. I feel like you've confessed every day on
• 33:00
  Speaker 4: this podcast, though, so let's go. You've been diving headfirst
• 33:05
  Speaker 4: into the world of finance this year. Yes, what do
• 33:07
  Speaker 4: you think has been the most surprising or like game
• 33:09
  Speaker 4: changing thing that you've learned about money that you wish
• 33:12
  Speaker 4: you knew sooner?
• 33:13
  Speaker 2: I wish I knew that it's possible for people, including
• 33:19
  Speaker 2: those who don't start off at the same level and
• 33:23
  Speaker 2: they don't have access to like the same things. And
• 33:25
  Speaker 2: I completely get that. I grew up with this mindset
• 33:28
  Speaker 2: of money that's like once I get a little bit,
• 33:30
  Speaker 2: it's gone again. I'm spending it. And this whole year
• 33:34
  Speaker 2: I've been the same and I feel like I'm locked in.
• 33:37
  Speaker 2: But having chats with my friends and the people who
• 33:41
  Speaker 2: care about me and want me to be able to
• 33:44
  Speaker 2: change that, I kind of thought like, I don't think
• 33:47
  Speaker 2: I have the ability to like why people just saving,
• 33:50
  Speaker 2: Like why people just doing this? Why people just motivated
• 33:53
  Speaker 2: to do that? But I realized very recently when I
• 33:56
  Speaker 2: was explained to my partner. She was like, Hey, we're
• 33:59
  Speaker 2: going to go on a hold next you like to
• 34:00
  Speaker 2: start saving for it? And I was like, what does
• 34:02
  Speaker 2: it look like? I was like, what do you mean?
• 34:04
  Speaker 2: Like I usually just get to the part where the
• 34:06
  Speaker 2: holiday is and I'm like, oh shit, I've got ass
• 34:10
  Speaker 2: or I've got this pay cycle. I'll just not spend
• 34:12
  Speaker 2: on anything else, like that's all. I'm never looking for
• 34:15
  Speaker 2: the future. But I realized, oh my god. And we
• 34:18
  Speaker 2: had a person ride in recently who was like, how
• 34:20
  Speaker 2: do I find motivation to save for all these things?
• 34:22
  Speaker 2: When I just don't feel it, like what the hell
• 34:24
  Speaker 2: am I saving for? I think I'm like that, but
• 34:27
  Speaker 2: I've just very very recently shifted that and been like, oh,
• 34:31
  Speaker 2: I don't have to save for a house. I'm actually
• 34:33
  Speaker 2: saving for experiences, And I'm saving for those moments where
• 34:37
  Speaker 2: all my friends want to go to Japan and I
• 34:39
  Speaker 2: can do that without feeling stressed. And I'm saving for
• 34:41
  Speaker 2: those moments where you have a really good time, good
• 34:44
  Speaker 2: time exactly. And I'm saving for next Christmas when I
• 34:48
  Speaker 2: can go out and buy all the really nice things
• 34:50
  Speaker 2: and make myself feel really cozy. So I realized with
• 34:53
  Speaker 2: finances that motivation just wasn't there for me. And I've
• 34:56
  Speaker 2: been really bad with money my whole life and I
• 34:58
  Speaker 2: probably still will be for a while. And that's where
• 35:00
  Speaker 2: we're gonna fix it. But it takes time, right, It's
• 35:03
  Speaker 2: not something that you can just turn on. I think
• 35:05
  Speaker 2: I just needed to shift the way of thinking, like,
• 35:07
  Speaker 2: not everyone just does it. Not everyone can just do it,
• 35:11
  Speaker 2: and that's okay. You just got to find a way
• 35:14
  Speaker 2: that works for you. And that's where I am right now.
• 35:16
  Speaker 2: I love that. Thank you.
• 35:18
  Speaker 4: I feel like that is honestly so special because I
• 35:21
  Speaker 4: don't think that when you started on the podcast, it
• 35:23
  Speaker 4: would have been a mindset that.
• 35:25
  Speaker 2: You have exactly, not at all. I have ninety dollars
• 35:27
  Speaker 2: and Chezy's as well. I when you do say ninety, yes,
• 35:30
  Speaker 2: I have ninety dollars and Cheza's At the moment, that's exciting,
• 35:32
  Speaker 2: that is so cool all this. She's an investor.
• 35:35
  Speaker 4: I can't believe it, and she's about to become a
• 35:37
  Speaker 4: proper saver.
• 35:38
  Speaker 2: Who would have thought? I did think, but you did it.
• 35:42
  Speaker 2: We've talked a lot about.
• 35:43
  Speaker 4: I guess big money wins on the podcast. We always
• 35:45
  Speaker 4: talk about money wins every single week. But it's not
• 35:49
  Speaker 4: smooth sailing always. Earlier, you said that you had your
• 35:52
  Speaker 4: worst moment this year and you're crying in your car.
• 35:54
  Speaker 4: Which is the worst? Was that your biggest financial challenge
• 35:58
  Speaker 4: of the year? If not, what was How did you
• 36:01
  Speaker 4: approach that?
• 36:01
  Speaker 1: Like?
• 36:01
  Speaker 4: You went home, you got some petrol. But then what
• 36:04
  Speaker 4: I know, this probably.
• 36:05
  Speaker 2: Sounds weird, but my biggest financial challenge wasn't even the
• 36:08
  Speaker 2: financewers because I always have just been like this and
• 36:13
  Speaker 2: it's always been okay for me, and I always find
• 36:15
  Speaker 2: a way to still go out and see my friends
• 36:18
  Speaker 2: and do everything I have to do. The biggest financial
• 36:20
  Speaker 2: challenge for me actually came from the people around me
• 36:24
  Speaker 2: who cared so much and they wanted to see changing
• 36:28
  Speaker 2: me and my partner, Jess is very very good with money,
• 36:31
  Speaker 2: just seeing the disappointment or maybe feeling a bit misunderstood
• 36:34
  Speaker 2: in those moments and when people are like, why did
• 36:37
  Speaker 2: you even go to the place where you were then
• 36:39
  Speaker 2: stranded with your car and I'm like, okay, but that
• 36:42
  Speaker 2: doesn't help no exactly, And also like I get it,
• 36:45
  Speaker 2: like I didn't have to go to that place. I
• 36:47
  Speaker 2: wanted to go see my friend. I get it, I
• 36:48
  Speaker 2: didn't have money to get home, But I don't think
• 36:50
  Speaker 2: about it. I'm living for each moment. I'm living for
• 36:54
  Speaker 2: spending time with people, I'm living for experiences. I'm living
• 36:56
  Speaker 2: for all these things. It's just not in me. So
• 36:58
  Speaker 2: I think the biggest financial challenge didn't come from actually
• 37:02
  Speaker 2: having to just be like, oh wow, I've got literally
• 37:05
  Speaker 2: foison into my account. Maybe I will see if I
• 37:09
  Speaker 2: can just make a coffee at work with some soy
• 37:11
  Speaker 2: milk and some instant coffee and whatebout. Like I'm used that,
• 37:14
  Speaker 2: I'm okay with that. The biggest financial challenge, in fact,
• 37:17
  Speaker 2: came from the faces of the.
• 37:18
  Speaker 4: Genuine challenge being challenged about and like, I.
• 37:23
  Speaker 2: Feel misunderstood and I didn't like it, so.
• 37:25
  Speaker 4: That was probably sorry that was the case, but thank you.
• 37:28
  Speaker 4: How do you feel about that on reflection, Like, obviously
• 37:32
  Speaker 4: you felt misunderstood. Then have you found some clarity now
• 37:36
  Speaker 4: or is this something that you're like, this is kind
• 37:38
  Speaker 4: of still trashy? Just hoping the topic doesn't come up again, Like,
• 37:42
  Speaker 4: what's the take?
• 37:43
  Speaker 2: That's a great question, And I do honestly think like
• 37:45
  Speaker 2: I can understand why people think that. If you can
• 37:47
  Speaker 2: see someone repeatedly making the same mistakes, then you're like,
• 37:51
  Speaker 2: why don't you be doing?
• 37:53
  Speaker 4: Yeah, it's so easy to just fall into what are
• 37:56
  Speaker 4: you doing?
• 37:56
  Speaker 3: Yes?
• 37:57
  Speaker 2: So dumb? Yeah, And I just think that why don't
• 37:59
  Speaker 2: you just has always been like a shut up hate
• 38:03
  Speaker 2: I hate when you say that. I hate that. But
• 38:04
  Speaker 2: then now that I'm in a better spot, I'm like,
• 38:07
  Speaker 2: they care so much about me, and I think I
• 38:09
  Speaker 2: feel so seen when they inquire about my life, and
• 38:13
  Speaker 2: I feel so seen and cared for and held. I
• 38:15
  Speaker 2: understand that the way they express that is different, and
• 38:20
  Speaker 2: they don't want to enable me. So they do tend
• 38:22
  Speaker 2: to do that in the moments of stress. I don't
• 38:26
  Speaker 2: like to hear it. But upon reflection, I'm like, I'm
• 38:28
  Speaker 2: just so lucky that I have people that care about
• 38:31
  Speaker 2: me in my world.
• 38:32
  Speaker 4: You know how many people would just be like, trash them.
• 38:35
  Speaker 4: I don't even like them anymore.
• 38:36
  Speaker 2: Yeah, and even just like that's a lot they're an idiot,
• 38:39
  Speaker 2: but whatever, it's not my problem. But being in a
• 38:42
  Speaker 2: community and being around people that love you and you
• 38:44
  Speaker 2: love them. Everyone's problem is everyone's probably, which is really
• 38:48
  Speaker 2: nice festive, isn't it.
• 38:50
  Speaker 4: That's very festive.
• 38:51
  Speaker 2: Yes, I think so. I think it's a really good
• 38:53
  Speaker 2: place to leave it.
• 38:54
  Speaker 4: I feel you're like, I'm over announce Stop asking me questions.
• 38:57
  Speaker 2: I'm shy now.
• 38:58
  Speaker 4: Yeah, I'm going now too, o Ben, I've got to
• 39:01
  Speaker 4: be closed, bude.
• 39:02
  Speaker 2: Yeah, I've got to go and think about everything I
• 39:04
  Speaker 2: said that was wrong, and I know such thing. Honestly,
• 39:07
  Speaker 2: it's a big day for a lot of people. I
• 39:09
  Speaker 2: just want to also say, and I know that I
• 39:10
  Speaker 2: do this a lot, but those people who are spending
• 39:12
  Speaker 2: Christmas alone, just know that we're here, we got you,
• 39:14
  Speaker 2: and it's okay. Just do something that makes you feel
• 39:16
  Speaker 2: good with your alone, with family, with friends, with whoever.
• 39:20
  Speaker 2: We are here for you, and.
• 39:23
  Speaker 4: That's why we did this whole podcast today to hang
• 39:25
  Speaker 4: out with you on a day that you might not
• 39:27
  Speaker 4: have a lot of friends and family around you exactly,
• 39:30
  Speaker 4: so that we get to hang out with you.
• 39:31
  Speaker 2: Exactly the best.
• 39:33
  Speaker 4: We get you all to ourselves, and we're going to
• 39:35
  Speaker 4: give you a challenge as well. So this week, maybe
• 39:37
  Speaker 4: even today, if you can find fifteen minutes and find
• 39:42
  Speaker 4: a quiet moment, maybe like make a little coffee with
• 39:44
  Speaker 4: not stolen saury milk from a work fridge. But I
• 39:48
  Speaker 4: want you to ask yourself three simple questions. They're not
• 39:50
  Speaker 4: that simple by the way. They sound simple, but when
• 39:52
  Speaker 4: you start digging into them, you're like, God, So what
• 39:56
  Speaker 4: worked really well for you this year?
• 39:58
  Speaker 2: Yep?
• 39:58
  Speaker 4: Was it something emotional, something literally physical? Was it something
• 40:03
  Speaker 4: that you did that worked out really well?
• 40:06
  Speaker 2: What didn't go to plan?
• 40:07
  Speaker 4: Be honest with yourself. It's really hard to say, oh,
• 40:10
  Speaker 4: that didn't really work because you put in a lot
• 40:12
  Speaker 4: of time and energy and effort. But be kind to
• 40:14
  Speaker 4: yourself because we're not trying to crucify ourselves here. We're
• 40:16
  Speaker 4: just trying to ask the question so that we can
• 40:19
  Speaker 4: do better and be better and grow. And then what's
• 40:22
  Speaker 4: one lesson I can take into twenty twenty five? Like
• 40:26
  Speaker 4: I feel like I do this a lot, Like I
• 40:28
  Speaker 4: ask myself what do I want to stop? What do
• 40:30
  Speaker 4: I want to start doing? And then what's something I
• 40:32
  Speaker 4: want to continue doing. It's like the traffic light system,
• 40:35
  Speaker 4: it always works. So I feel like, ask yourself those
• 40:38
  Speaker 4: three questions, even if you're not a goal setter, and
• 40:41
  Speaker 4: I feel like that will set yourself up for some
• 40:43
  Speaker 4: pretty good success in there.
• 40:45
  Speaker 2: Absolutely, and it doesn't have to be complicated. Just jot
• 40:47
  Speaker 2: it down your notes, app talk it through with a mate,
• 40:49
  Speaker 2: or even just think about it while you're doing the dishes.
• 40:51
  Speaker 2: The key is just so many dishes this time of year. God,
• 40:54
  Speaker 2: so many dishes, so you'll have a lot of thinking
• 40:55
  Speaker 2: time to do, even if it's nothing like tangible physical
• 40:58
  Speaker 2: it just be like I want to change the inner
• 40:59
  Speaker 2: monologue my head that is kinder to myself, whatever it
• 41:02
  Speaker 2: may be. I think, Yeah, just take some time.
• 41:04
  Speaker 4: Just do that exactly, and don't forget to celebrate. I
• 41:06
  Speaker 4: feel like we don't celebrate the small winter moss, like,
• 41:09
  Speaker 4: let's celebrate the big ones. But also the small ones.
• 41:11
  Speaker 4: Maybe you paid off a little bit of debt, or
• 41:13
  Speaker 4: maybe you just finally logged into the account so you
• 41:16
  Speaker 4: know how much debt you have That is a really
• 41:18
  Speaker 4: big one. Maybe you started a savings habit. Maybe you
• 41:22
  Speaker 4: agreed to go on a holiday with your girlfriend and
• 41:24
  Speaker 4: you've started saving for the first time. Or maybe you
• 41:27
  Speaker 4: just learned something new about money. Or maybe you finished
• 41:29
  Speaker 4: this whole podcast episode. Congrats, babe, congrats, whatever it is.
• 41:33
  Speaker 4: I think we need to be giving ourselves credit. And
• 41:36
  Speaker 4: if you haven't heard, I have officially called twenty twenty
• 41:39
  Speaker 4: five twenty twenty Thrive, and we are always going to
• 41:42
  Speaker 4: be here to help you absolutely own it. We've got
• 41:45
  Speaker 4: obviously a stack of New Year's episodes coming your way,
• 41:48
  Speaker 4: packed with literally everything that you need to start your
• 41:50
  Speaker 4: year off strong, whether that is budgeting or saving, all
• 41:52
  Speaker 4: mindset shifts or psychology.
• 41:54
  Speaker 2: We cover literally every day and everything. So hit subscribe
• 41:58
  Speaker 2: now and get ready to start living twenty twenty thrive, Yeah,
• 42:02
  Speaker 2: just surviving with not twenty twenty survive exactly. Let's make
• 42:06
  Speaker 2: your best money year yet.
• 42:08
  Speaker 1: I love that.
• 42:08
  Speaker 4: Have a good Christmas, babies, and we'll see you literally
• 42:12
  Speaker 4: during our next episode.
• 42:14
  Speaker 2: Merry Christmas, Bye guys.
• 42:21
  Speaker 4: The advice shared on She's on the Money is general
• 42:24
  Speaker 4: in nature and does not consider your individual circumstances.
• 42:27
  Speaker 2: She's on the Money exists purely for.
• 42:29
  Speaker 4: Educational purposes and should not be relied upon to make
• 42:32
  Speaker 4: an investment or financial decision. If you do choose to
• 42:35
  Speaker 4: buy a financial product, read the PDS TMD and obtain
• 42:39
  Speaker 4: appropriate financial advice.
• 42:40
  Speaker 2: Tailored towards your needs.
• 42:42
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• 42:46
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