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How To Create A Budget That You Don't Hate In Your 20s · Two Broke Chicks

• 0:00
  Speaker 1: This podcast is recorded on gaddigal Land Always was, always
• 0:03
  Speaker 1: will be Aboriginal Land. Hey Chicks, I'm sal and I'm
• 0:13
  Speaker 1: out and this is Two Break Chicks, the show that
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  Speaker 1: shares life lessons and tips to help make you rich
• 0:18
  Speaker 1: in life. And today we are joined by Victoria Vivente,
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  Speaker 1: and accredited financial counselor money crisis specialist and author of
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  Speaker 1: the book Know Your Worth. You may know her as
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  Speaker 1: Bad Bitch Money on Instagram and she currently works as
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  Speaker 1: a vulnerability specialist in banking. In today's EPP, we're going
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  Speaker 1: to be talking to Victoria about how to build a
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  Speaker 1: budget in your twenties, strategies to track your expenses, and
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  Speaker 1: how much you need in your emergency fund, and a
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  Speaker 1: whole lot more.
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  Speaker 2: So let's get into the chato. Hello, Hello, Hello Vicky.
• 0:52
  Speaker 2: Oh my gosh. Spoiler alert. I absolutely detest being called Vicky.
• 0:57
  Speaker 2: I heard it, So anything else, anything else? Please?
• 1:04
  Speaker 1: Now?
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  Speaker 3: It's bvv love. Welcome to the show. We're so excited
• 1:09
  Speaker 3: to have you on. I can already tell this is
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  Speaker 3: going to be a good episode.
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  Speaker 2: I'm excited.
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  Speaker 3: But before we get into the questions, we love to
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  Speaker 3: start with a life lesson of the week, So would
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  Speaker 3: you like to start us.
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  Speaker 2: Off my life? Lesson of this week is such a
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  Speaker 2: good one.
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  Speaker 4: I was watching a real by the Financial Diet Chelsea,
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  Speaker 4: and she was saying, if you want to stop yourself
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  Speaker 4: from being miserable in your life and having comparison syndrome,
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  Speaker 4: diversify what you are focused on in your life. She's like,
• 1:40
  Speaker 4: because if you are, for example, just focused on your career,
• 1:43
  Speaker 4: or you're just focused on you know, your social media
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  Speaker 4: or your relationship or your degree, whatever it happens to be,
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  Speaker 4: and you're solely focused on that, then you will always
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  Speaker 4: compare yourself to people in that category. Whereas if you
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  Speaker 4: diversify what's important to you and what you value and
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  Speaker 4: spend your energy on, you'll always have a buffer from
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  Speaker 4: comparing yourself.
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  Speaker 2: I was like, Oh, that is magic.
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  Speaker 3: That is amazing. I love that because you physically can't
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  Speaker 3: compare yourself to every single facet of your life.
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  Speaker 2: Yeah.
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  Speaker 3: Yeah, don't put all of your ex in one maask exactly.
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  Speaker 1: There's also a good quote in the Let Them Theory
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  Speaker 1: book that says comparison will either be teacher or torture.
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  Speaker 3: I was like, thank you, I feel like it's always torture.
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  Speaker 1: You can use it as a teacher, so you can
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  Speaker 1: use it to learn things and realize maybe what's valuable
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  Speaker 1: to you or what you want to do more of,
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  Speaker 1: or things like that.
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  Speaker 3: She has a whole chapter on.
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  Speaker 1: How you can use comparison because it's basically impossible to
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  Speaker 1: not do it.
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  Speaker 3: Yeah, but I thought.
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  Speaker 1: That was very good to maybe think maybe to yourself.
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  Speaker 1: Am I teaching myself or torturing myself with this comparison?
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  Speaker 1: And I was like, I like it. I'm gonna use
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  Speaker 1: dead Yeah.
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  Speaker 3: We love a slogan. I was like, thanks, mail kil
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  Speaker 3: what's your life lesson?
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  Speaker 2: What is my life?
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  Speaker 3: Okay?
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  Speaker 1: My life lesson of the week is surprise surprise. I
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  Speaker 1: bid off more than I could chwo workwise. Oh guys,
• 3:07
  Speaker 1: I thought your word of the year was less Yeah.
• 3:13
  Speaker 1: Someone actually said that to me in a message, So yes.
• 3:16
  Speaker 1: So I this year started a second podcast called The
• 3:20
  Speaker 1: Basic Bitch book Club, which I just do from bed, research, record,
• 3:25
  Speaker 1: edit and post from bed.
• 3:27
  Speaker 2: It's great. I love it, but.
• 3:29
  Speaker 1: I was like, what if we did a second episode
• 3:31
  Speaker 1: a week where we all read the same book and
• 3:33
  Speaker 1: we do catch ups every week and book club essentially
• 3:36
  Speaker 1: it's a new concepts out. It's absolutely not that it's
• 3:40
  Speaker 1: completely original, please And anyway, I was doing it and
• 3:45
  Speaker 1: I was like, fuck, what have I done? I was like,
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  Speaker 1: I did not have enough time to do two episodes
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  Speaker 1: of this per week on top of the two we
• 3:54
  Speaker 1: already do, as well as like every seventeen other billion
• 3:57
  Speaker 1: things we do. Love doing them, by the way, not complaining,
• 4:00
  Speaker 1: and I like put up a story and I was like,
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  Speaker 1: I feel I have done the same thing that I
• 4:05
  Speaker 1: always do and bitten off more than I can chew.
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  Speaker 1: So the episode is not coming out today, but like
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  Speaker 1: I'll do my best to like get it tomorrow. And
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  Speaker 1: I just got an influx of messages from people saying, girl,
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  Speaker 1: just do it monthly, like stop. They're like, we don't
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  Speaker 1: want you to burn out, Like we'll just do it monthly.
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  Speaker 1: Why don't we do this? And everyone was like giving
• 4:26
  Speaker 1: suggestions and someone even wrote in and was like, please
• 4:29
  Speaker 1: don't forget your word of the year was less and fun,
• 4:32
  Speaker 1: not less fun, like less and fun. Yeah, and they
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  Speaker 1: like it was just so fucking nice that my life
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  Speaker 1: lesson of the way, And absolutely I was like, I
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  Speaker 1: have bitten off more than I can chew, and I
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  Speaker 1: need to do less because I don't ever want this
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  Speaker 1: to feel like work. I want this to feel like fun.
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  Speaker 1: And my life lesson of the week is when you're honest,
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  Speaker 1: I think people will be a lot more understanding than
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  Speaker 1: what you think they will be.
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  Speaker 2: Because I was like, I.
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  Speaker 1: Don't want to let people down. I don't want to
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  Speaker 1: disappoint people. I told people I'm gonna do this, and
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  Speaker 1: now I'm not. And I'm like, at the end of
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  Speaker 1: the day, no one's gonna be fucking upset that I'm
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  Speaker 1: not talking about like four chapters of a book once
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  Speaker 1: a week, you know. And it was just so nice.
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  Speaker 3: I think you guys are really nice. Yeah, I love
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  Speaker 3: that that.
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  Speaker 2: It was just really really good.
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  Speaker 1: So if you are feeling overwhelmed, I absolutely recommend maybe
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  Speaker 1: sharing how that is. And I do think nine times
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  Speaker 1: out of ten people will be a lot more understanding
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  Speaker 1: than you think they will be. And even the one
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  Speaker 1: percent that maybe isn't fuck them.
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  Speaker 3: Yeah, honestly, began, people are so much more forgiving than
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  Speaker 3: what you think. Yeah, we're always our own worst critics
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  Speaker 3: and hold ourselves to a standard so much higher than
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  Speaker 3: anybody else does.
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  Speaker 1: And I'm stressing about a situation that didn't even happen.
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  Speaker 3: The special Yeah, TM love it. Okay, my life lesson
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  Speaker 3: of the week. I've decided to swap it out and
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  Speaker 3: it's something I just learned, and it's a good reminder
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  Speaker 3: to ask people if they want to hug before you
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  Speaker 3: hug them. Because Victoria came in, I have my arms
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  Speaker 3: out and she said, are you a hugger? Because she's
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  Speaker 3: a hugger too, and I was like, oh my god, yes, ship,
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  Speaker 3: I definitely should be asking people before I just like
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  Speaker 3: get them in a nookie and never hugging and give
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  Speaker 3: them a forehead kiss because not everybody is a physical
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  Speaker 3: touch person true, like we are. And I'm like, how
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  Speaker 3: many people have I made feel uncomfortable.
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  Speaker 1: Anyone? I think, like it's to read the room situation.
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  Speaker 2: I do think that's a great just being like, are
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  Speaker 2: you a hugger? Yeah? And if not, a handshake or.
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  Speaker 3: Something else will suffice.
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  Speaker 1: Yeah.
• 6:38
  Speaker 2: I did not get my kiss on the head? Okay, Okay,
• 6:43
  Speaker 2: there's a.
• 6:43
  Speaker 1: One star review on Apple podcast like did not get
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  Speaker 1: a kiss on the forehead?
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  Speaker 2: One star promised, Yeah, exactly.
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  Speaker 3: So false advertising. Shall we get into the episode, let's
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  Speaker 3: do it. Let's kick things off with budgeting, so we know,
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  Speaker 3: there are lots of different strategies, and a lot of
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  Speaker 3: the time when we talk budgeting with experts, you know,
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  Speaker 3: they're like, it really depends on your needs and this
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  Speaker 3: and that, which I totally understand, but we want you
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  Speaker 3: to walk us through one strategy for setting up a budget.
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  Speaker 3: And we've got a bit of a scenario for you.
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  Speaker 3: So let's say you earn seventy eight thousand dollars a year,
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  Speaker 3: so you're working with a fifteen hundred dollars salary per week.
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  Speaker 3: How are you setting up your budget.
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  Speaker 4: My big thing with budgeting is I really like a
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  Speaker 4: mind map method. So I really struggle to use Excel,
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  Speaker 4: which is I don't know if that's embarrassing or not,
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  Speaker 4: but I just hate it, and I really like a
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  Speaker 4: visual and I like with a mind map. What I
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  Speaker 4: like about it is that everything is on an even
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  Speaker 4: playing field because it's spread out rather than a list downwards, right,
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  Speaker 4: So it's not like you're making one thing more important
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  Speaker 4: than the other when you kind of look at it
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  Speaker 4: from a high level. Obviously, there are some things that
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  Speaker 4: are regrettably more important than others. And so where I
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  Speaker 4: would probably start with that is, you know, let's look
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  Speaker 4: at what your regular expenses are, let's work out that amount,
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  Speaker 4: and then let's work out what your irregular expenses are.
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  Speaker 2: And this is such.
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  Speaker 4: A like a fall down for so many people. You know,
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  Speaker 4: we think about our regular stuff, how weekly, fortnightly, monthly things,
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  Speaker 4: and we forget about those kind of big things that
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  Speaker 4: happen yearly or maybe quarterly, you know, stuff like going
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  Speaker 4: to the dentist and getting your car serviced and paying
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  Speaker 4: your redgo you know, if you pay your pet insurance annually,
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  Speaker 4: for example, all of those things. So setting up a
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  Speaker 4: second account where you put an amount every week for those.
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  Speaker 1: Things, those are the things that I find that are tricky.
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  Speaker 1: So it's like because you're like, that's not every week,
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  Speaker 1: that's not every month.
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  Speaker 4: And so then you just like tuck it aside because
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  Speaker 4: I don't. What I find is that if I have
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  Speaker 4: too much cash, like too much of.
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  Speaker 2: A high amount.
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  Speaker 4: Much in my transaction account, like in my daily like
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  Speaker 4: tappy tat account, I just cannot I cannot save it
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  Speaker 4: for later. I'm not very good at it, so I
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  Speaker 4: have to move it out of my own way. And
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  Speaker 4: so having that account for your irregular expenses is just
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  Speaker 4: I find for most.
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  Speaker 2: People the best way to take care of that, because.
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  Speaker 4: Then if you're like, yes, I'm making such great progress,
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  Speaker 4: and then all of a sudden, this eight hundred dollars
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  Speaker 4: bill comes out.
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  Speaker 2: You know, maybe it's a tax bill. If you if
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  Speaker 2: you get a tax bill, or.
• 9:40
  Speaker 4: You know, you're regio your regio' is like, oh you're
• 9:42
  Speaker 4: what do you have here?
• 9:43
  Speaker 2: Green slip, pink slip. There's two slip and they're all
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  Speaker 2: exactly whatever.
• 9:51
  Speaker 1: Yeah, it's the CTP and all that ship.
• 9:53
  Speaker 2: Yeah, your car regio. Yeah, your car regio. And and then.
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  Speaker 4: You basically why out that week's worth of normal money,
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  Speaker 4: and then it throws you out of your pattern, and
• 10:05
  Speaker 4: then it all just gets a bit of a mess.
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  Speaker 4: So that's always my number one. People like, what's your
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  Speaker 4: number one budgeting tip? I'm like, budget for stuff that
• 10:11
  Speaker 4: is not regular, and then I do have a bit
• 10:15
  Speaker 4: of a controversial take on what should come next. So
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  Speaker 4: a lot of people say, you know, after you kind
• 10:20
  Speaker 4: of take care of those things, start saving for your
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  Speaker 4: emergency fund, start paying down your debt, like kind of
• 10:25
  Speaker 4: smash through the hard things. And I am a little
• 10:28
  Speaker 4: bit more whimsy, which you know, I know that we
• 10:31
  Speaker 4: love in our whimsy era, and I tend to recommend
• 10:35
  Speaker 4: to people wherever possible, have something of joy first. And
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  Speaker 4: so after your regular and a regular it is taken
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  Speaker 4: care of, implement your joy part at least one thing
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  Speaker 4: your joy fund, Yeah, your joy fund, or whether that's
• 10:50
  Speaker 4: like your treats or if you've got a goal that
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  Speaker 4: you're really wanting to say for that's like a travel
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  Speaker 4: goal or you know, a non critical fun goal, build
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  Speaker 4: that in next, because it's actually going to keep you
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  Speaker 4: on track far more than trying to like white knuckle
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  Speaker 4: your way through doing all of the things that you
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  Speaker 4: think that you should do first. And then after that
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  Speaker 4: start looking out, Okay, what are my debt if I
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  Speaker 4: have debt, what are my debt repayments? And you know,
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  Speaker 4: generally you want to make sure at least your minimums
• 11:22
  Speaker 4: are taken care of, and then if you can more
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  Speaker 4: is excellent, and if you can't, that's okay, and then
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  Speaker 4: what else then? And then also your emergency fund as
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  Speaker 4: well or your you know, whether you call it an
• 11:36
  Speaker 4: emergency fund or not is up to you. But really
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  Speaker 4: doing it in that sort of order and inserting that
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  Speaker 4: little bit of dopamine almost before, but otherwise it's so otherwise, like,
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  Speaker 4: why would you want to It's not dignidating.
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  Speaker 2: I wouldn't want to sty restricting.
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  Speaker 3: If you were looking at a fifteen hundred dollars summary
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  Speaker 3: for per week, for example, how much ideally would you
• 12:00
  Speaker 3: be putting towards your fun fund and your emergency fund,
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  Speaker 3: because obviously the amount that you're spending on your essentials
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  Speaker 3: is going to impact that. But if we had to
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  Speaker 3: give an example of what you would do personally, sure,
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  Speaker 3: so if you had let's.
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  Speaker 4: Say your regular expenses your rent or your mortgage or
• 12:27
  Speaker 4: your housing costs, and your utilities and your food and
• 12:30
  Speaker 4: you know, stuff like your phone bill, all of those things.
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  Speaker 2: If that's roughly let's say eight.
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  Speaker 4: Hundred for example, and then your irregular stuff is, Oh, realistically,
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  Speaker 4: you're probably looking at a.
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  Speaker 2: Good few thousand over the year. Right. Pains me to say,
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  Speaker 2: but it's true.
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  Speaker 4: And so if that was like around the sixty five
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  Speaker 4: dollar mark, let's say, then for example, something with the
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  Speaker 4: treats fund. What I would say is, if you are
• 13:00
  Speaker 4: already quite good with money, you can often get away
• 13:04
  Speaker 4: with a little bit less. But if you have traditionally
• 13:06
  Speaker 4: had a messy relationship with money, I always say, do
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  Speaker 4: the maximum that you can that you can squeeze out
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  Speaker 4: of it, because when you give yourself a really really
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  Speaker 4: decent amount, you're much less likely to spend it all
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  Speaker 4: and you build trust. It's like reverse psychology, and it
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  Speaker 4: works every time, every time. And so for example, if
• 13:30
  Speaker 4: you had like your debts, let's say were I don't know,
• 13:35
  Speaker 4: roughly one hundred and seventy a week or something like that,
• 13:38
  Speaker 4: then I would say, if you want to, you max
• 13:42
  Speaker 4: out that that treat fund at like two hundred and
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  Speaker 4: fifty two seventy five even, and it will seem crazy,
• 13:49
  Speaker 4: it will seem like a wild amount of money.
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  Speaker 2: But when you.
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  Speaker 4: Actually then can spend it guilt free instead of not
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  Speaker 4: having any or giving yourself like, you know, fifty dollars
• 13:58
  Speaker 4: or something, and then you're always blowing your budget.
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  Speaker 2: When you have that huge.
• 14:02
  Speaker 4: Amount guilt free, you basically within a few weeks you're
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  Speaker 4: not using it all because you're like, oh, like they're
• 14:09
  Speaker 4: so I'm so abundant. I'm so abundant there. And then
• 14:13
  Speaker 4: you can naturally over time if you want to reduce it.
• 14:15
  Speaker 4: But if it's a choice between a lower amount and
• 14:18
  Speaker 4: a higher amount, start with a higher amount.
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  Speaker 1: I love that would you say, that's the fast fail
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  Speaker 1: method is restricting your budget too much, Like having a
• 14:27
  Speaker 1: budget that's too hard to stick to is the fastest
• 14:30
  Speaker 1: way to fail.
• 14:32
  Speaker 4: Definitely, that is right, And that is where people fall
• 14:36
  Speaker 4: down is they create this dream budget, right like basically
• 14:40
  Speaker 4: my fitness pal toxing toxic energy exactly exactly like stop
• 14:46
  Speaker 4: treating stop treating your budget like it's bloody in my
• 14:48
  Speaker 4: fitness power because it's just not ever going to serve you.
• 14:52
  Speaker 4: And then the fail fast method comes on top of that, right,
• 14:55
  Speaker 4: which is like you pick your strategy and you implement
• 14:59
  Speaker 4: it with the mindset of I'm testing this and it
• 15:03
  Speaker 4: may not work out, rather than I must stick with
• 15:07
  Speaker 4: this and I must make it work. It's like a
• 15:10
  Speaker 4: I'm going to like fast fail is something that they
• 15:13
  Speaker 4: use in in tech and behavioral behavioral psychology, and basically
• 15:18
  Speaker 4: you go into it any changes with the intention that
• 15:22
  Speaker 4: at some point it is going to fall down, and
• 15:24
  Speaker 4: so you're less You're you're less what's the word that
• 15:28
  Speaker 4: I want? You're less likely to It's.
• 15:29
  Speaker 1: Like you're manifesting.
• 15:31
  Speaker 4: Yeah, and so when it does fail, you're like, that's okay,
• 15:34
  Speaker 4: I was expecting this and I'm going to tweak and
• 15:36
  Speaker 4: try again, rather than being like it's this or nothing,
• 15:40
  Speaker 4: and if when, if, and when it fails, I'm the failure.
• 15:44
  Speaker 4: It's like, no, we're we're testing something. So it might
• 15:47
  Speaker 4: be starting with something really small, right, like increasing the
• 15:51
  Speaker 4: amount in the treat fund, or trying to pay down
• 15:55
  Speaker 4: one debt faster, or setting up one savings account for example,
• 15:59
  Speaker 4: for a particular purpose, and you just trial it rather
• 16:03
  Speaker 4: than you know, try and overhaul your life it, which
• 16:07
  Speaker 4: is a trap that we fall into. We're like, I'm
• 16:08
  Speaker 4: going to overhaul everything and get first of.
• 16:12
  Speaker 1: January, I'm going to drink seventeen liters of water, do
• 16:16
  Speaker 1: four hit classes per day, and pull my mum seventeen
• 16:19
  Speaker 1: times an hour and.
• 16:21
  Speaker 2: Sleep ten hours an hour. Yeah exactly.
• 16:24
  Speaker 4: And so then you do that one thing and you
• 16:27
  Speaker 4: just try it. But then you're removing the internalizing the failure.
• 16:31
  Speaker 4: If you will, it becomes an experiment external to you,
• 16:35
  Speaker 4: which means that you're much more likely if you fall
• 16:37
  Speaker 4: down or if you need to tweak it, that you
• 16:39
  Speaker 4: don't think of yourself as a problem.
• 16:43
  Speaker 1: That's so interesting, that's really.
• 16:44
  Speaker 3: Cool, And I think you can't build a budget without
• 16:48
  Speaker 3: tracking your expenses so what strategy do you use to
• 16:52
  Speaker 3: track your expenses and do you have any apps or
• 16:55
  Speaker 3: tools that you use to help with that?
• 16:57
  Speaker 2: Yeah, great question.
• 16:59
  Speaker 4: Spoiler alert. I love just being honest when I'm also
• 17:02
  Speaker 4: a messy money person. So I didn't track my expenses
• 17:05
  Speaker 4: for honestly until I was in my late twenties. I
• 17:09
  Speaker 4: just kind of roughed it and hoped for the best
• 17:13
  Speaker 4: and had enough accounts.
• 17:15
  Speaker 2: That it just sort of worked.
• 17:17
  Speaker 4: And then as I kind of came into my mid
• 17:20
  Speaker 4: to late twenties, I.
• 17:20
  Speaker 2: Was like, oh, I would really like to start.
• 17:22
  Speaker 4: Reflecting on some of my spending and just what it
• 17:26
  Speaker 4: tells me. Rather than keeping things tight within a category,
• 17:30
  Speaker 4: it's more just like, oh, like, what did my spending
• 17:32
  Speaker 4: look like when I look back over the from the
• 17:35
  Speaker 4: end of the month.
• 17:36
  Speaker 2: And I use this app. It's very basic.
• 17:38
  Speaker 4: It's called the Spending Tracker, and it's this in the
• 17:42
  Speaker 4: app store. It's this little brown wallet, like a like
• 17:45
  Speaker 4: a Grandpa wallet, is the best way I can describe it.
• 17:49
  Speaker 4: And it's super basic, very manual, and you can put
• 17:52
  Speaker 4: in all your income, all your expenses, and then you
• 17:55
  Speaker 4: categorize them and you can save categories of course, and
• 17:58
  Speaker 4: I use that because it forced me to enter it
• 18:01
  Speaker 4: manually because then I'm thinking about it as i'm doing.
• 18:04
  Speaker 1: It, so I don't have to link it to your
• 18:05
  Speaker 1: bank account.
• 18:06
  Speaker 4: No love that, Yes, because I'm a bit funny about
• 18:08
  Speaker 4: that sort of thing. Yeah, And it just forces me
• 18:11
  Speaker 4: to think, Okay, well, how would I categorize this? And
• 18:15
  Speaker 4: I have lots of categories because I split them up
• 18:18
  Speaker 4: just kind of see more patterns. So like food, I
• 18:20
  Speaker 4: split up in a few different ways, like was this
• 18:23
  Speaker 4: a normal shop or was this like a bougie shop
• 18:26
  Speaker 4: where I've tablets?
• 18:29
  Speaker 2: That's shop. If I need a dish washing.
• 18:32
  Speaker 1: Tablet and cheese ten dollars for a bag of grated cheese.
• 18:37
  Speaker 4: Even like plastic cheese slices, like call the police crime, crime, robbery,
• 18:45
  Speaker 4: And that's how I do it. And it's very it's
• 18:48
  Speaker 4: very manual. It doesn't take long. But it just means
• 18:51
  Speaker 4: that I can look back and then I look back
• 18:52
  Speaker 4: over the month as well, and I see if my
• 18:54
  Speaker 4: income was more than my expenses, and some months it
• 18:57
  Speaker 4: isn't right because of those irregular So when I had
• 19:01
  Speaker 4: a car, sold my car because Sydney life. But when
• 19:04
  Speaker 4: I had a car, my regio and you know, a
• 19:07
  Speaker 4: lot of my annual expenses would always kind of fall
• 19:09
  Speaker 4: around my birthday, and so yeah, like February, Like February
• 19:14
  Speaker 4: is always is a write off for me. I need
• 19:16
  Speaker 4: like a February fund. Actually, that's a takeaway for me.
• 19:19
  Speaker 3: Yeah, that's a good idea.
• 19:20
  Speaker 2: I love that.
• 19:22
  Speaker 1: Speaking of funds, how much should someone in their twenties
• 19:26
  Speaker 1: aim to have in their emergency fund? And what is
• 19:29
  Speaker 1: an emergency fund for those who don't.
• 19:31
  Speaker 2: Know, So an emergency fund.
• 19:33
  Speaker 4: There's a few different ways that people define it, but
• 19:35
  Speaker 4: in the traditional sense, an emergency fund is like money
• 19:40
  Speaker 4: that you have specifically set aside for unexpected crisis.
• 19:44
  Speaker 1: Basically something different they don't I do.
• 19:46
  Speaker 2: I call it the empowerment fund.
• 19:48
  Speaker 4: And the reason for that is I think that, again
• 19:51
  Speaker 4: similar to the treat fund, what I find is that
• 19:54
  Speaker 4: people are much more engaged in actually building up funds
• 19:58
  Speaker 4: for like a rainy day, if you will, when it's
• 20:03
  Speaker 4: it's more you can conceptualize it easier. So when we
• 20:06
  Speaker 4: think about an empowerment fund, not only is that for
• 20:08
  Speaker 4: emergencies like a root canal or when your cat eats
• 20:12
  Speaker 4: a bag of chicken bones and has to go to
• 20:14
  Speaker 4: the vet. For example, but it's also things like you
• 20:19
  Speaker 4: have had enough of your job and you want to
• 20:21
  Speaker 4: be like fucking see you later, or you want to
• 20:25
  Speaker 4: leave a relationship, or you want to move into state
• 20:30
  Speaker 4: because you've had you know, you've lost I don't know,
• 20:33
  Speaker 4: there's been some crisis, you've lost all of your friends,
• 20:35
  Speaker 4: you hate where you live, you know you're ready for
• 20:37
  Speaker 4: a dramatic romance.
• 20:40
  Speaker 2: Overturn wants to Eat Pray Love correct on the you should.
• 20:46
  Speaker 2: You could call it your eat Pray Love Fund.
• 20:48
  Speaker 4: That that would, And so it's basically it's finding a
• 20:53
  Speaker 4: way of rather than having it for emergencies when it's
• 20:57
  Speaker 4: so hard to think about what an emergency.
• 20:59
  Speaker 2: Might actually look like for us.
• 21:00
  Speaker 4: Yeah, whereas when you think about, okay, what's actually going
• 21:03
  Speaker 4: to empower me? That's also things like Okay, I forgot
• 21:07
  Speaker 4: that I was going to have a tax bill this year.
• 21:09
  Speaker 4: My girlfriend just messaged me about this last night. She's like, oh,
• 21:12
  Speaker 4: She's like, you'd be so proud of me. She's like,
• 21:14
  Speaker 4: I just used my empowerment fund because I forgot that
• 21:16
  Speaker 4: my tax bill, Like I had a tax bill and
• 21:18
  Speaker 4: it was due this week, and I was like, oh,
• 21:21
  Speaker 4: I'm so proud of you. She's like yeah, She's like,
• 21:22
  Speaker 4: the fund is obviously not empty. She's like, but I
• 21:24
  Speaker 4: had the money was a point.
• 21:25
  Speaker 1: Yeah.
• 21:27
  Speaker 4: And so when it comes to amounts, amounts is always
• 21:30
  Speaker 4: so hard as well, because if you think about like,
• 21:32
  Speaker 4: I don't know how much you guys were earning when
• 21:34
  Speaker 4: you were twenty, but when I was twenty, it was
• 21:35
  Speaker 4: like two bits of nothing, right, and versus someone who's
• 21:39
  Speaker 4: like twenty nine, you know, you're maybe in your kind
• 21:42
  Speaker 4: of first career job, like you've got more money, you're
• 21:46
  Speaker 4: living out of home, but you're in a sharehouse maybe
• 21:48
  Speaker 4: or maybe live by yourself. And so when I was
• 21:52
  Speaker 4: kind of having a think about I think about this
• 21:54
  Speaker 4: a lot because people ask that question so often, like
• 21:57
  Speaker 4: how much should I have? And it's like, well, how
• 21:59
  Speaker 4: much makes you safe? Like what's going to make you
• 22:02
  Speaker 4: feel safe? And you know, I think it's one in
• 22:04
  Speaker 4: four gen z have one thousand dollars or less. And
• 22:10
  Speaker 4: but for some people, like if you are really good
• 22:14
  Speaker 4: with life events changing and kind of flying by the
• 22:16
  Speaker 4: seat of your pants and you're very relaxed sort of person,
• 22:19
  Speaker 4: you can get away with a lot less because you
• 22:22
  Speaker 4: kind of know that you're going to pick yourself up
• 22:23
  Speaker 4: and dust yourself off and it'll work out. Whereas for
• 22:26
  Speaker 4: someone like me, I'm very very risk aware. I'm very
• 22:30
  Speaker 4: sort of always thinking worst case scenario, and so mine
• 22:33
  Speaker 4: is ridiculous because that's what makes me feel safe. And yeah,
• 22:39
  Speaker 4: I guess for most people, if you can hit four
• 22:42
  Speaker 4: figures as a starting point, just as your starting point.
• 22:45
  Speaker 2: To really you know, have that.
• 22:47
  Speaker 4: Ticked off the list, and then you can start thinking
• 22:50
  Speaker 4: about because once you have a little bit of money, you.
• 22:52
  Speaker 3: Get a bit addicted today saying the number goer.
• 22:56
  Speaker 4: And then you also like removes that like that fear
• 22:59
  Speaker 4: element of having nothing, like you've got something, and then
• 23:02
  Speaker 4: you can start thinking about, Okay, well, what amount would
• 23:04
  Speaker 4: actually make me feel really safe.
• 23:06
  Speaker 2: Because if you are, you know, some of some of
• 23:09
  Speaker 2: our galleyes in their twenties have one.
• 23:10
  Speaker 4: Or have kids already, right, so if you've got kids,
• 23:13
  Speaker 4: the amount that you need is going to.
• 23:15
  Speaker 2: Be so single exactly.
• 23:18
  Speaker 4: But yeah, if you can if you can do a thousand, amazing,
• 23:22
  Speaker 4: even if you have to do it bloody ten dollars
• 23:23
  Speaker 4: at a time. But if all you have is one
• 23:26
  Speaker 4: hundred bucks, bloody in underneath the kitchen cutlery draw or
• 23:31
  Speaker 4: you've got two fifty.
• 23:32
  Speaker 1: I love when you forget about that. Yeah, and then
• 23:34
  Speaker 1: like cleaning and you find fifty dollars from your grandma
• 23:37
  Speaker 1: for the sixteenth birth, then you're like sleep. But yeah,
• 23:40
  Speaker 1: I think that's a really great point of just even
• 23:42
  Speaker 1: starting the habit and even having something there you'll find
• 23:45
  Speaker 1: is a lot more helpful than having nothing, and even
• 23:48
  Speaker 1: just maybe taking that step towards that is like the mindset,
• 23:52
  Speaker 1: the mindset of moving. But in your book, Know You're Worth,
• 23:55
  Speaker 1: you share a list of normal money, and I would
• 23:58
  Speaker 1: love for you to share what normal money looks like
• 24:01
  Speaker 1: in your twenties and beyond.
• 24:02
  Speaker 4: Yes, So the concept of normal money actually comes from
• 24:06
  Speaker 4: the concept of normal eating, which is by this dietitian
• 24:11
  Speaker 4: in the States who I actually emailed and I was like, hey, like,
• 24:14
  Speaker 4: do you mind if I convert your normal eating into
• 24:17
  Speaker 4: a normal money. I think it's really you know, people
• 24:19
  Speaker 4: will relate as to how similar it is. And she
• 24:22
  Speaker 4: was like, oh, yeah, that sounds awesome, Like please send
• 24:25
  Speaker 4: it to me, And I sent it to her and
• 24:26
  Speaker 4: she made a couple of tweaks, like recommended a couple
• 24:28
  Speaker 4: of tweaks as well, which are so nice. And so
• 24:31
  Speaker 4: when we talk about normal money. What that really is
• 24:35
  Speaker 4: is like messy money, right, like it. It's not strict
• 24:39
  Speaker 4: and it's not tight. It's just like living. And so
• 24:42
  Speaker 4: I'll give some examples. So normal money is, for example,
• 24:47
  Speaker 4: spending on things that leave you feel feeling satisfied, right,
• 24:51
  Speaker 4: choosing to spend money on what you like, not what other.
• 24:53
  Speaker 2: People think you should spend it on. This is a
• 24:56
  Speaker 2: really good one.
• 24:57
  Speaker 4: Giving thought and money to your expense so that your
• 25:00
  Speaker 4: needs are taken care of, but not having every dollar
• 25:04
  Speaker 4: so tightly accounted for that you have no room to
• 25:07
  Speaker 4: breathe because something will happen, right, and then it is
• 25:12
  Speaker 4: all out of the window. What else, things like saving,
• 25:16
  Speaker 4: So maybe you're saving for big things, or maybe you're
• 25:18
  Speaker 4: buying lots of little things and not having to be
• 25:21
  Speaker 4: one or the other at all times. It's also things
• 25:25
  Speaker 4: like walking away from something and regretting it, or buying
• 25:28
  Speaker 4: something and regretting it, and that can go both ways,
• 25:31
  Speaker 4: or like donating a piece of clothing and regretting it. Honestly,
• 25:34
  Speaker 4: I think about that yellow top all the time.
• 25:36
  Speaker 2: I really do. I miss it. It was asymmetrical.
• 25:39
  Speaker 4: It has not been in fashion since, but I do
• 25:41
  Speaker 4: still miss it, and very much. Normal money is allowing
• 25:46
  Speaker 4: money to take up some of your time and energy,
• 25:49
  Speaker 4: but not letting it consume your life, and having money
• 25:53
  Speaker 4: be flexible and adapting to your goals and situation and needs.
• 25:58
  Speaker 2: Yeah, that's nice.
• 26:00
  Speaker 1: I think I really like that because it really shows
• 26:03
  Speaker 1: that every one's experience with money is so unique to
• 26:08
  Speaker 1: the way they grew up, the way they earned their
• 26:10
  Speaker 1: first paycheck, the way that they are in certain different circumstances.
• 26:16
  Speaker 1: That means the way that they're going to spend their
• 26:18
  Speaker 1: money is so unique.
• 26:19
  Speaker 2: And we often.
• 26:21
  Speaker 1: See these things, especially as women of you know, where
• 26:24
  Speaker 1: we're lacking in how we spend our money, and there's
• 26:26
  Speaker 1: not often examples of like, no, this is fine, Like yes,
• 26:31
  Speaker 1: buying address for your birthday is normal.
• 26:33
  Speaker 3: You can do that, and you're allowed to change your
• 26:34
  Speaker 3: own money, yes, yeah. And shopping and spending money can
• 26:39
  Speaker 3: be really emotional and it can be triggered by a
• 26:43
  Speaker 3: lot of things. What is your to buy and not
• 26:47
  Speaker 3: to buy? Matrix?
• 26:50
  Speaker 4: Oh I have in the book this it's so chaotic,
• 26:53
  Speaker 4: but it's a flow chart like a Dolly doctor. You
• 26:58
  Speaker 4: choose your own adventures and basically yourn. It comes down
• 27:05
  Speaker 4: to a framework. So for people who really struggle with indecision,
• 27:08
  Speaker 4: like purchasing indecision.
• 27:09
  Speaker 2: Should I buy this?
• 27:10
  Speaker 4: Should I not buy it? Like how do I feel
• 27:12
  Speaker 4: about it? Is it actually something that I want? And
• 27:14
  Speaker 4: then they either you know, don't buy it and regret it,
• 27:17
  Speaker 4: or they do buy it and regret it. And and
• 27:20
  Speaker 4: so the framework, and there's two frameworks because I did
• 27:22
  Speaker 4: one for experiences as well, because it's all well and
• 27:25
  Speaker 4: good to have a framework for buying things.
• 27:27
  Speaker 2: But like if Sabrina Carpenter tickets go on.
• 27:29
  Speaker 4: Sale, like you can't afford to wait two weeks to
• 27:32
  Speaker 4: think about it if you want to go or not.
• 27:34
  Speaker 2: You have to decide.
• 27:35
  Speaker 1: Sometimes get fucking Tike Tech waiting room feels like two weeks. Yeah,
• 27:39
  Speaker 1: that's so true, true true, know the anxiety that I
• 27:42
  Speaker 1: might give it to.
• 27:44
  Speaker 2: And so the framework is the first question is do
• 27:46
  Speaker 2: I Do I need it?
• 27:47
  Speaker 4: And even though that is the first question, what I'll
• 27:50
  Speaker 4: say is that there's no outcome on the flow chart
• 27:53
  Speaker 4: that says don't buy it.
• 27:54
  Speaker 2: The only outcome is reconsider. And that happens when.
• 27:58
  Speaker 1: The answer that question is nom.
• 28:01
  Speaker 2: So you go to the no section like do I
• 28:03
  Speaker 2: need it?
• 28:03
  Speaker 3: No?
• 28:03
  Speaker 4: And it's like can I so then generally the next
• 28:06
  Speaker 4: step is to wait two weeks to make sure that
• 28:08
  Speaker 4: you really want it.
• 28:09
  Speaker 2: For some people that might be wait overnight.
• 28:11
  Speaker 4: If you're like I really need to decide, it's giving
• 28:13
  Speaker 4: yourself that break. At the moment, I'm doing something where
• 28:16
  Speaker 4: I only allow myself to process online orders once a month.
• 28:20
  Speaker 2: So I add to cart all month.
• 28:22
  Speaker 4: Yeah, and then I get to the end of the
• 28:23
  Speaker 4: month and I prune it back and then I'm like, okay,
• 28:26
  Speaker 4: like what are we actually buying.
• 28:27
  Speaker 1: I saw someone saying this. They have like a monthly
• 28:30
  Speaker 1: wish list very similar to what you're saying, and whenever
• 28:34
  Speaker 1: she likes something, she puts it on her wish list
• 28:36
  Speaker 1: love and then by the end of the month half
• 28:38
  Speaker 1: the time she forgets about it or doesn't want it.
• 28:40
  Speaker 4: Anything over it now, yes, Like did I really want
• 28:42
  Speaker 4: that bluetooth tooth brush?
• 28:43
  Speaker 2: Like probably not while you were like brushing your teeth.
• 28:50
  Speaker 4: And after that, you know, it's like you wait two
• 28:52
  Speaker 4: weeks and then it's like, okay, does it align with
• 28:54
  Speaker 4: my values? Like is this something that I want for me?
• 28:57
  Speaker 4: And you can actually make the framework into whatever you
• 29:00
  Speaker 4: want it to be, whatever you know as your kind
• 29:02
  Speaker 4: of sticking points for when you're trying to make decisions.
• 29:05
  Speaker 4: And then you can have that like on a card
• 29:08
  Speaker 4: in your wallet if you want to, if you're a
• 29:09
  Speaker 4: real like browser and buyer, or you can have it
• 29:13
  Speaker 4: on your phone or just in your mind. And it's like, Okay,
• 29:16
  Speaker 4: how can I really quickly work my way through this
• 29:19
  Speaker 4: and just decide if this is a yay for me
• 29:22
  Speaker 4: or a weight weight slash reconsider for me?
• 29:26
  Speaker 2: And the answer is never no.
• 29:27
  Speaker 4: It's always just like, okay, reconsider and if you still
• 29:29
  Speaker 4: want to do it, and then you do realize that
• 29:32
  Speaker 4: it wasn't wasn't what you wanted, that's okay, Like that's
• 29:35
  Speaker 4: a that's a learning.
• 29:36
  Speaker 1: What are the three money goals everyone in their twenties
• 29:40
  Speaker 1: should have?
• 29:41
  Speaker 4: I would say it's like a triple S scenario, right,
• 29:45
  Speaker 4: So it's yourself, your superannuation, and shares and oh yeah,
• 29:51
  Speaker 4: and I'll kind of do all of them like like
• 29:53
  Speaker 4: quick fire around.
• 29:54
  Speaker 2: Right. So in your twenties, if you can take the.
• 29:57
  Speaker 4: Time to actually get to know yourself, right and you
• 30:00
  Speaker 4: guys talk about this in your book as well, if
• 30:02
  Speaker 4: you get to know yourself and what you value and
• 30:05
  Speaker 4: what you actually value spending money on that is going
• 30:08
  Speaker 4: to save you money for the rest of your life.
• 30:11
  Speaker 4: And it's so hard in our twenties because we're so
• 30:14
  Speaker 4: busy living to the max. But if you can, and
• 30:17
  Speaker 4: good news is it's free. It doesn't actually cost you
• 30:20
  Speaker 4: anything to do it, and that is something that will
• 30:23
  Speaker 4: pay dividends. Especially also knowing your own style. If you
• 30:27
  Speaker 4: can fall in love with your own style in your twenties,
• 30:29
  Speaker 4: it's so hard to do, but even in your late twenties,
• 30:32
  Speaker 4: it will save you so much money, so much money.
• 30:35
  Speaker 4: Super super always sounds so boring, And what I will say,
• 30:38
  Speaker 4: if anyone is listening to this, I promise you the
• 30:41
  Speaker 4: chapter on superannuation in my book is the most chaotic
• 30:44
  Speaker 4: thing you ever read in your life, Like it is
• 30:47
  Speaker 4: crazy girl behavior in there. So if you're like, oh,
• 30:50
  Speaker 4: it's so boring, like it's going to be hard, trust me,
• 30:54
  Speaker 4: it's this is it.
• 30:56
  Speaker 2: Like you'll never read anything like it.
• 30:58
  Speaker 4: And I sent it to my financial and she was like, ah,
• 31:02
  Speaker 4: she's like.
• 31:02
  Speaker 2: It's amazing, and I was like, okay, let's hope. So
• 31:05
  Speaker 2: and so if you can.
• 31:07
  Speaker 4: The thing about super is because it's done for us,
• 31:10
  Speaker 4: it's so hard to conceptualize how important it is so
• 31:13
  Speaker 4: we're like, oh, we'll worry about that when we get closer.
• 31:15
  Speaker 4: But really, if you can you don't even have to
• 31:18
  Speaker 4: really do anything. You just have to learn and understand
• 31:20
  Speaker 4: what it's going to do in your twenties, because that
• 31:22
  Speaker 4: time is if you get it even close to right,
• 31:26
  Speaker 4: even halfway right in your twenties and you know, you
• 31:29
  Speaker 4: check that it's going in and you know what's happening
• 31:31
  Speaker 4: in there, that is will set you up for life,
• 31:35
  Speaker 4: your working life, because you will earn and then you'll
• 31:38
  Speaker 4: know and you won't be trying to make up for
• 31:41
  Speaker 4: it in your fifties, like you've got all of this
• 31:42
  Speaker 4: time for the compounding to take effect. And I really,
• 31:46
  Speaker 4: I know, I know it sounds so dry and it
• 31:48
  Speaker 4: seems like such a later u problem, but it will you.
• 31:52
  Speaker 4: Your thirty year old self, forty year old self, fifty
• 31:55
  Speaker 4: old self will thank you later. And then the last
• 31:57
  Speaker 4: one is shares, And I say this, I don't. It's
• 32:01
  Speaker 4: not something that I talk about in depth in the book.
• 32:03
  Speaker 4: I do give some recommended reading on it. But in
• 32:05
  Speaker 4: Australia we have this real thing around buying property and
• 32:09
  Speaker 4: property being the path to wealth, and there are other
• 32:13
  Speaker 4: ways to build wealth, and there are ways that you
• 32:16
  Speaker 4: can build wealth without such a huge, one single asset as.
• 32:21
  Speaker 2: Your source of wealth.
• 32:22
  Speaker 4: And it's really overwhelming in your twenties to be like, oh,
• 32:24
  Speaker 4: everyone's telling me I have to buy a house.
• 32:25
  Speaker 2: I better buy a house. Let me tell you.
• 32:27
  Speaker 4: I bought a house in my twenties. Hated it, fucking
• 32:29
  Speaker 4: hated it. One of my well, it's one of my
• 32:31
  Speaker 4: biggest regrets. I would never change it because obviously I
• 32:34
  Speaker 4: learned so much, but it was a huge regret for
• 32:36
  Speaker 4: me in my twenties. Yeah, and I really encourage, like,
• 32:40
  Speaker 4: if you're in your twenties or your early thirties, learn
• 32:43
  Speaker 4: about you don't have to do anything if you don't
• 32:45
  Speaker 4: want to, but just learn around, like what shares are
• 32:49
  Speaker 4: and how it works, and the industry makes it sound
• 32:52
  Speaker 4: so inaccessible and fancy and hard, and I promise you
• 32:55
  Speaker 4: it isn't.
• 32:55
  Speaker 1: Do you reckon that's on purpose, yes, for sure.
• 32:59
  Speaker 4: And just understanding like the different types of investments that
• 33:02
  Speaker 4: there are, and so when people are talking about it,
• 33:06
  Speaker 4: you kind of at least have some foundational knowledge and
• 33:08
  Speaker 4: you know that there are options for you to build
• 33:11
  Speaker 4: a life of happiness and wealth that actually fits with
• 33:15
  Speaker 4: your values. Yeah, those would be my three.
• 33:17
  Speaker 1: Those are amazing.
• 33:19
  Speaker 3: Yeah, that's a strong trilogy.
• 33:21
  Speaker 1: Oh good, if you will, thank you stronger than the
• 33:23
  Speaker 1: Lord of the Rings.
• 33:26
  Speaker 3: I mean, all the book does talk about the matrix,
• 33:29
  Speaker 3: so I feel like we can it's still relevant always.
• 33:35
  Speaker 3: But for our final question, what is your biggest life
• 33:38
  Speaker 3: lesson on your money journey so far?
• 33:40
  Speaker 4: Oh, my biggest life lesson on my money journey is
• 33:43
  Speaker 4: that my happiness really doesn't have to look like anybody else's.
• 33:47
  Speaker 2: And that comes to every.
• 33:48
  Speaker 4: Like A huge part of that is your finances and
• 33:51
  Speaker 4: how you finances your money, how you spend your money,
• 33:54
  Speaker 4: how you save it, what is important to you. So
• 33:58
  Speaker 4: for me, I lived by myself for the first time
• 34:02
  Speaker 4: last year thirty two, and that to me is money
• 34:06
  Speaker 4: that could not be better spent. And you know, you
• 34:09
  Speaker 4: pay a premium of course because you're living by yourself,
• 34:11
  Speaker 4: but the freedom that that.
• 34:13
  Speaker 2: Gives me and the peace is worth every dollar.
• 34:16
  Speaker 4: And so for me, really, if I look back understanding
• 34:21
  Speaker 4: that my happiness and therefore your happiness and all my galleys,
• 34:26
  Speaker 4: your happiness doesn't have to look like anybody else's. And
• 34:28
  Speaker 4: that's the most powerful thing that you can have for yourself.
• 34:31
  Speaker 1: That's a great note to finish on. I love that.
• 34:33
  Speaker 2: Yeah, that's so good.
• 34:34
  Speaker 3: Thank you so much for coming on and we really
• 34:37
  Speaker 3: appreciate it. Where can the chickies find you?
• 34:39
  Speaker 4: Oh, you can find me on Instagram that's probably best
• 34:41
  Speaker 4: at bad dot bitch dot money. And you can find
• 34:45
  Speaker 4: me on substack actually bad bitch Money.
• 34:48
  Speaker 1: Yeah.
• 34:48
  Speaker 2: I have a fortnightly newsletter.
• 34:49
  Speaker 1: It's always very castack fixation.
• 34:54
  Speaker 2: And that's the main channels.
• 34:56
  Speaker 4: You can email me Victoria at bad bach Money if
• 34:58
  Speaker 4: you really want, you will get a reply.
• 35:00
  Speaker 2: I can't say when, but.
• 35:00
  Speaker 1: You're gonna message you at midnight being like, should I
• 35:03
  Speaker 1: bye coptap?
• 35:05
  Speaker 3: Should I just give up?
• 35:06
  Speaker 2: The way I would reply as well? Yes you like
• 35:12
  Speaker 2: where are you? I'm I'm getting a dressed Oh my god.
• 35:16
  Speaker 3: And of course everyone can pick up your book Know
• 35:18
  Speaker 3: Your Worth. We'll put a link in the description so
• 35:20
  Speaker 3: everybody can add it to their reading list.
• 35:22
  Speaker 2: It's an absolute must.
• 35:24
  Speaker 3: But thank you so much for such a joy, And
• 35:27
  Speaker 3: thanks to you chicks for having us in your ear holes.
• 35:29
  Speaker 2: We love to be here.
• 35:30
  Speaker 3: And thanks to m I k Made for making today's
• 35:32
  Speaker 3: episode happened.
• 35:33
  Speaker 2: Love ya bye.
• 35:34
  Speaker 3: Chigis