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Transcript

BONUS EP: Victoria on Seize The Yay! · She's On The Money

• 0:00
  Speaker 1: She's on the Money. She's on the Money.
• 0:16
  Speaker 2: Hello, and welcome to She's on the Money, the podcast
• 0:19
  Speaker 2: for millennials who want financial freedom. My name is Tony Lodge,
• 0:24
  Speaker 2: and I'm sure that you weren't expecting to just hear
• 0:26
  Speaker 2: me today, but I've got something really really special for
• 0:30
  Speaker 2: you all. Last week, Victoria joined our friend Sarah Holloway
• 0:35
  Speaker 2: over on the podcast called Seize the Ya. And I'm
• 0:38
  Speaker 2: sure that a lot of you have heard of her.
• 0:40
  Speaker 2: You can follow Sarah on Instagram at Seize the Ya
• 0:44
  Speaker 2: or Spoonful of Sarah. And they had a really insightful
• 0:47
  Speaker 2: chat and as soon as I listened to it, I thought,
• 0:50
  Speaker 2: oh my gosh, aw, She's on the Money. Community would
• 0:52
  Speaker 2: absolutely love this. So I've decided to share it straight
• 0:55
  Speaker 2: to our feeds so that you can listen to it
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  Speaker 2: and hopefully see a bit of a different side Victoria
• 1:00
  Speaker 2: and maybe the beginnings of She's on the Money that
• 1:02
  Speaker 2: you've never actually heard before.
• 1:04
  Speaker 3: I know that you're absolutely gonna love it, so please enjoy. Victoria.
• 1:16
  Speaker 4: Welcome to the show, and Hi, Hello, how are you.
• 1:21
  Speaker 4: Oh my gosh, it's been so lovely to see your face.
• 1:24
  Speaker 4: We've guys been chatting for about twenty minutes before we
• 1:27
  Speaker 4: actually started chatting on about actual podcast things.
• 1:29
  Speaker 5: Yeah, we're not very good at this whole get to
• 1:32
  Speaker 5: the work thing.
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  Speaker 3: Ali.
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  Speaker 4: Well, as you know, before we kick off, I start
• 1:37
  Speaker 4: every episode by asking what the most down to worth
• 1:40
  Speaker 4: thing is.
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  Speaker 3: About you to break the ice, particularly.
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  Speaker 4: When we put our guests on a pedestal, and you
• 1:46
  Speaker 4: said it so well yourself in the new book She's
• 1:49
  Speaker 4: on the money book that we often think of you as,
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  Speaker 4: you know, the elusive oracle of saving, and you've made
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  Speaker 4: Forbes thirty.
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  Speaker 3: Under thirty this year.
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  Speaker 4: You're right up there on a pedestal for me, So
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  Speaker 4: it's wild you break the eyes and just remind us
• 2:01
  Speaker 4: that you're a normal human.
• 2:03
  Speaker 5: I am so normal it is not funny. In fact,
• 2:06
  Speaker 5: I wasn't even sure what to tell you, because I
• 2:08
  Speaker 5: am a very big listener of your podcast, obviously, but
• 2:11
  Speaker 5: I knew you were going to ask this question, and
• 2:13
  Speaker 5: I kept being like, what am I going to say?
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  Speaker 3: But in our.
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  Speaker 5: Conversation before, you were like, oh my gosh, I wish
• 2:20
  Speaker 5: we had been recording this. So I guess I'll just
• 2:22
  Speaker 5: retell this story of how everybody thinks I'm this polished
• 2:26
  Speaker 5: human because you know she's on the money. Profile definitely
• 2:29
  Speaker 5: has some beautiful pictures. We've got a gorgeous photographer, Miranda,
• 2:32
  Speaker 5: who always makes us look like how best selves? But
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  Speaker 5: me in real life, if you came into the office,
• 2:37
  Speaker 5: it's very likely that there are at least six empty
• 2:40
  Speaker 5: coffee cups that have arguably been sitting on my desk
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  Speaker 5: for a week.
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  Speaker 3: Which is not a good thing.
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  Speaker 5: That is not a bragging right, Like my team literally
• 2:48
  Speaker 5: always like Victoria, that's disgusting, And I'm like, I don't
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  Speaker 5: even care.
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  Speaker 3: And I don't wear shoes very.
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  Speaker 5: Often in the office, Like obviously, if I'm having a
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  Speaker 5: photo shooter, if I'm going on socials, or I'm going
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  Speaker 5: to see a client, yeah, I'll definitely put on a
• 3:01
  Speaker 5: nice pair of shoes. I adore shoes, but good luck
• 3:04
  Speaker 5: trying to get me in them at my desk.
• 3:08
  Speaker 3: So I feel like I.
• 3:10
  Speaker 5: Genuinely would just say I am incredibly normal. I am
• 3:13
  Speaker 5: incredibly down to earth. My favorite things are my oat
• 3:15
  Speaker 5: latte in the morning with my partner walking my dog,
• 3:18
  Speaker 5: where I look like I've just rolled out of bed
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  Speaker 5: because I don't want to get ready first thing in
• 3:23
  Speaker 5: the morning. And you know, maybe you wouldn't even notice me.
• 3:26
  Speaker 5: You'd walk past me and be like, oh, she was
• 3:28
  Speaker 5: a mess. I hope she's having a better day later.
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  Speaker 5: But yeah, I think I'm relatively down to earth. And
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  Speaker 5: something that my team actually say very often is like,
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  Speaker 5: oh my gosh, Victoria, if only the internet knew the real.
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  Speaker 3: You I love. I love like revealing that side of you,
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  Speaker 3: the actual real you.
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  Speaker 4: That everyone would be like, you know that you would
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  Speaker 4: be mortified if it came out, But that makes us all.
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  Speaker 5: I wouldn't be, though, Like I've got nothing to hide,
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  Speaker 5: and you know, like, if you want to see more
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  Speaker 5: of that, go follow all my team members on Instagram
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  Speaker 5: because they actually film me half the time and put
• 4:03
  Speaker 5: it on their Instagrams because they genuinely find it really amusing.
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  Speaker 3: I've got no shame, my friends.
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  Speaker 4: What about something financially relatable about you? Because you are
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  Speaker 4: the elusive oracle of saving I have it in my
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  Speaker 4: mind that you never make a bad financial decision, or
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  Speaker 4: you never do anything that's you know, other people might
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  Speaker 4: seem I think is wasteful or like indulge in, but
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  Speaker 4: I love Oh my gosh.
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  Speaker 5: Are you very joking? I'm the pinnacle of doers. I
• 4:30
  Speaker 5: say not as I do, Like I would be honestly
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  Speaker 5: embarrassed if you guys saw some of my spending habits
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  Speaker 5: and just I could absolutely tighten up. And you know,
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  Speaker 5: there's never a good excuse. You know, you always should
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  Speaker 5: be caring about future you and putting it first. But
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  Speaker 5: given how busy I am, and that's again never an excuse.
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  Speaker 5: I am very good at uber eat. It's very good
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  Speaker 5: at fast food, like not McDonald's and stuff, but just
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  Speaker 5: take away, Like the amount of Asaii balls that I
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  Speaker 5: buy on uber Eats is wild, and I'm not mad
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  Speaker 5: about it because I know that that's the way that
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  Speaker 5: I'm still nourishing myself and still looking after my body
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  Speaker 5: and making sure that I'm not just eating junk all
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  Speaker 5: the time. But it's getting a little bit out of hand.
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  Speaker 3: But that is the greatest thing about you, I reckon.
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  Speaker 4: That's the greatest thing about the podcast and the book
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  Speaker 4: and your overall approach to you know, financial health and
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  Speaker 4: the way that we manage our life for future us
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  Speaker 4: is that it's so flexible and you make time for
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  Speaker 4: the things that make you happy, like you're very much
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  Speaker 4: like you don't always have to make only sensible decisions
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  Speaker 4: you know, you can do your oat latte in the morning.
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  Speaker 3: That makes you very happy.
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  Speaker 6: You know.
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  Speaker 4: It's not like you have to be sensible all the time.
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  Speaker 4: It's just you have to work around the things that
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  Speaker 4: our priorities for you. I love that because then I
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  Speaker 4: feel less guilty when I'm like, oh, that bit's okay.
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  Speaker 3: Then no.
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  Speaker 5: And I think that that's a really common misconception, maybe
• 5:54
  Speaker 5: about us, because I know other financial advisors do follow
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  Speaker 5: or subscribe to this notion that you need to cut
• 6:00
  Speaker 5: out all unnecessary spending. And you know, if you cut
• 6:03
  Speaker 5: back your coffee Sarah, oh my gosh, you could save
• 6:05
  Speaker 5: nearly two thousand dollars in one year. That's ridiculous. Like,
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  Speaker 5: that is what makes me happy. That is what sparks
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  Speaker 5: my joy. That is what you know, I really value,
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  Speaker 5: and I don't want to change those things. I don't
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  Speaker 5: want somebody to pry away the joy from my life
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  Speaker 5: and the little things that we have. So I just
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  Speaker 5: don't subscribe to the notion that somebody else can dictate
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  Speaker 5: to you how you spend your money. What I want
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  Speaker 5: is people to just understand what their own values are
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  Speaker 5: so that their money flows in relation to that. I
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  Speaker 5: don't want you to miss out, but I also want
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  Speaker 5: you to be really aware of where your money is
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  Speaker 5: going because more often than not, let's use me as
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  Speaker 5: an example, more often than not, your money isn't actually
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  Speaker 5: flowing in line with your values unless you sit down
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  Speaker 5: and make a plan for it.
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  Speaker 3: Like do I value uber? It's absolutely not.
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  Speaker 5: I wish I took my lunch to work every single day,
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  Speaker 5: but my money and my money story and my you know,
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  Speaker 5: my budget right now would tell you that I really
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  Speaker 5: do value ubric's when that's not actually the reality, and
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  Speaker 5: I need.
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  Speaker 3: To shift that. It's not saying it's bad.
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  Speaker 5: There's no such thing as bad when it comes to money.
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  Speaker 5: It's just more do you want to do that or
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  Speaker 5: do you want to do something else? Like have you
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  Speaker 5: not got a bigger goal? And like, yes, I do,
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  Speaker 5: But am I currently prioritizing it? No, And that's silly
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  Speaker 5: by future me, Like I'm not putting myself first by
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  Speaker 5: spending that way, And that's why I'm really aware of it.
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  Speaker 5: I'm not saying cut back on spending because that doesn't
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  Speaker 5: make anybody happy and it's not sustainable.
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  Speaker 3: No one wants that. No one does want that. Well,
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  Speaker 3: I think one of the reasons.
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  Speaker 4: I'm so excited to dive into this episode in particular,
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  Speaker 4: and as you know, the first section that we will
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  Speaker 4: go through is your Way to Yea. So how you
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  Speaker 4: got to this position of knowing what your passion is
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  Speaker 4: and knowing what you want to teach people and the
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  Speaker 4: best way to do that and you are doing it
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  Speaker 4: so incredibly well to millions of Australians. But what I'm
• 7:53
  Speaker 4: excited about is that our friendship is one of those
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  Speaker 4: that really epitomizes the idea that life does unravel in chapters.
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  Speaker 4: Even that we met a few chapters ago for both
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  Speaker 4: of us, and the things that we're passionate about and
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  Speaker 4: that we wake up full of purpose and drive for
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  Speaker 4: didn't exist when we first met each other. Yeah, so
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  Speaker 4: while you know she's on the money, makes so much
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  Speaker 4: sense now is your big mission and vision? You're a
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  Speaker 4: wonderful example that you didn't wake up like that. You
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  Speaker 4: didn't even wake up in finance. You know that wasn't
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  Speaker 4: even your first career. It takes a lot of little
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  Speaker 4: steps to build up to the thing that later is
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  Speaker 4: crystal clear, is like why you ended up there. The
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  Speaker 4: dots often only connect a lot, you know, further down
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  Speaker 4: the track, and as you always say on your podcast,
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  Speaker 4: you can do everything, but not all at once.
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  Speaker 5: Yeah, so true, And I think it's so one of
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  Speaker 5: those things. Sometimes you go through things and you don't
• 8:43
  Speaker 5: realize how beneficial it is for you until you've actually
• 8:47
  Speaker 5: come through to the other side and you can see, oh,
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  Speaker 5: my gosh, that taught me so much, even though it
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  Speaker 5: was a terrible experience at the time, or you really
• 8:54
  Speaker 5: weren't enjoying it.
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  Speaker 3: And you know, I.
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  Speaker 5: Talk to people all the time like, oh, I wish
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  Speaker 5: I was in your position where I get to do
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  Speaker 5: something that I love every single day, and I'm like, oh, yeah,
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  Speaker 5: But like I've been in the position where I didn't
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  Speaker 5: even know what I wanted to do as my next step,
• 9:07
  Speaker 5: and I had, I would say, a crisis when I
• 9:10
  Speaker 5: realized I didn't want to be in psychology anymore. And
• 9:13
  Speaker 5: you know, talking back on it, it sounds like a
• 9:15
  Speaker 5: really beautiful story, right, it sounds like this, Oh, the
• 9:19
  Speaker 5: flow of her career has been so dreamy and easy
• 9:22
  Speaker 5: in you know, those logical steps exist, but at the
• 9:25
  Speaker 5: time I felt like I'd wasted my university degrees and
• 9:28
  Speaker 5: what was I doing and why have I even gone
• 9:31
  Speaker 5: down this path and like, this is so silly, I
• 9:33
  Speaker 5: don't fit here. And yeah, I think that that's the
• 9:36
  Speaker 5: side of things that people don't talk about, which is
• 9:39
  Speaker 5: really important to talk about, because we don't always see
• 9:42
  Speaker 5: that clarity.
• 9:43
  Speaker 3: In the moment.
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  Speaker 5: We only see it looking back on it. And I
• 9:46
  Speaker 5: don't know what's next, I don't know what's coming up.
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  Speaker 5: But I think that my journey has taught me that
• 9:51
  Speaker 5: it's actually okay to sometimes not know, and okay to
• 9:54
  Speaker 5: just dabble and test and see if it works and
• 9:57
  Speaker 5: you know, have a good time along the way, because
• 9:59
  Speaker 5: sometimes you to get that it's not necessarily about the
• 10:02
  Speaker 5: destination that we're getting to. It's actually about the journey
• 10:04
  Speaker 5: and enjoying that, because if you didn't enjoy the journey,
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  Speaker 5: what was the point of getting to this impressive place
• 10:09
  Speaker 5: in the end.
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  Speaker 4: Absolutely, and also that even though now in this chapter
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  Speaker 4: of your life, this is the ultimate destination that all
• 10:17
  Speaker 4: the dots so far have led you towards, I think
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  Speaker 4: it's also important that you acknowledge that this isn't the
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  Speaker 4: end destination. This is just the iteration of your joy
• 10:27
  Speaker 4: and your passion and your skills and them all intersecting
• 10:29
  Speaker 4: right now, but in two years, three years time, we
• 10:31
  Speaker 4: could jump on a podcast again together and we both
• 10:33
  Speaker 4: be doing completely different things. Which is why this section is.
• 10:36
  Speaker 4: I spend a lot of time on how you got
• 10:39
  Speaker 4: here to remind everyone that if they're not where you are,
• 10:43
  Speaker 4: that's okay, maybe they're not meant to be, Maybe they're
• 10:45
  Speaker 4: ten steps beforehand, and that you too, had to start
• 10:48
  Speaker 4: right back at the very beginning. So can you take
• 10:50
  Speaker 4: us back to young Victoria what it was like at
• 10:53
  Speaker 4: Padua College in Mornington? You know, what was your first
• 10:59
  Speaker 4: job and your first idea of what you thought you
• 11:02
  Speaker 4: would want to be, and how did you choose psychology
• 11:04
  Speaker 4: and kind of take us through. I think what's really
• 11:08
  Speaker 4: interesting is when people start to agitate for change, how
• 11:11
  Speaker 4: do you know the signs that something maybe isn't working
• 11:14
  Speaker 4: for you when you have gone down a particular pathway
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  Speaker 4: for quite a while, and then it's hard to know
• 11:19
  Speaker 4: what the signs are that maybe you need to shift. So, yeah,
• 11:21
  Speaker 4: take us through those early years in that first career.
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  Speaker 5: Ah, it is such a long story, and you know,
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  Speaker 5: I think it's actually a really relatable one if you
• 11:30
  Speaker 5: go back to school. I don't think I had a
• 11:33
  Speaker 5: very good school experience, I was really bullied.
• 11:36
  Speaker 3: I didn't enjoy it.
• 11:37
  Speaker 5: I had, you know, I had some really good friends
• 11:39
  Speaker 5: and I've still got those friends, so I wasn't completely
• 11:41
  Speaker 5: on my own. But you know, as a teenager it
• 11:44
  Speaker 5: often feels that way. And you know, I was good academically,
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  Speaker 5: and I guess that's what you know didn't hold me back,
• 11:52
  Speaker 5: but you know, it makes you feel like you're not
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  Speaker 5: the cool kid, and you're always trying to fit in.
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  Speaker 5: And you know, I was really good at maths, and
• 11:58
  Speaker 5: it was really good at science, and I dored biology,
• 12:01
  Speaker 5: and you know, I was often a teacher's favorite, just
• 12:04
  Speaker 5: because I would ask lots of questions and always be
• 12:07
  Speaker 5: really interested because learning has always been something that one
• 12:11
  Speaker 5: I've been really good at, but two I'm just interested in,
• 12:14
  Speaker 5: like I don't want to know the answer. I actually
• 12:17
  Speaker 5: want to know how we got there. And I guess,
• 12:20
  Speaker 5: you know, I had a maths teacher that really didn't
• 12:23
  Speaker 5: like me and got really frustrated because in the year
• 12:26
  Speaker 5: eleven and twelve I did specialist and specialist maths is
• 12:29
  Speaker 5: a lot more formula than it is times tables, I
• 12:32
  Speaker 5: guess to summarize it, right, it's less simple maths and
• 12:36
  Speaker 5: more complex formula, and I would not be able to
• 12:40
  Speaker 5: understand the formula until I understood where I could apply
• 12:43
  Speaker 5: it and how it would work. And I remember this
• 12:45
  Speaker 5: teacher being so frustrated with me because everybody else would
• 12:48
  Speaker 5: just read the textbook and you know, understand it, and
• 12:51
  Speaker 5: I just couldn't comprehend the formula until she said, Okay, well,
• 12:54
  Speaker 5: this is how you'd apply it to, you know, a
• 12:56
  Speaker 5: mini setting, or this is what that means, or this
• 12:58
  Speaker 5: is where X actually come from, and that would really
• 13:01
  Speaker 5: help me. So for me, my learning needs to be
• 13:04
  Speaker 5: really contextual. I need to understand it. So she didn't
• 13:07
  Speaker 5: particularly like me, and in fact, I would say that
• 13:09
  Speaker 5: I was somewhat bullied by that teacher. My parents had
• 13:12
  Speaker 5: to get involved and I got moved out of her
• 13:14
  Speaker 5: class because of that. And I guess that really deflates
• 13:17
  Speaker 5: you in a way, because I didn't have somebody who
• 13:21
  Speaker 5: had my back in you know, I would say that
• 13:24
  Speaker 5: I do come across as quite intelligent now, but it
• 13:26
  Speaker 5: made me feel really silly because she used to tell
• 13:28
  Speaker 5: me like, oh, if you're going to keep doing this,
• 13:30
  Speaker 5: seal amount to nothing and things like that, which is
• 13:33
  Speaker 5: really horrendous from a teacher when teachers are meant to
• 13:36
  Speaker 5: support you. So I guess this isn't the experience people
• 13:39
  Speaker 5: would assume I had because they would be like, oh,
• 13:41
  Speaker 5: she would have flown through school, and that's just not
• 13:43
  Speaker 5: the case. In fact, in year eleven and twelve, I
• 13:46
  Speaker 5: missed a lot of school. I was struggling with, you know,
• 13:49
  Speaker 5: feeling really flat. But I also had a pretty serious
• 13:52
  Speaker 5: eating disorder during school as well, one that I was
• 13:55
  Speaker 5: hospitalized for a.
• 13:56
  Speaker 3: Number of times.
• 13:57
  Speaker 5: And it's totally okay, and I'm so happy to talk
• 14:00
  Speaker 5: about it because I think this context is really important
• 14:02
  Speaker 5: for people, especially on a podcast like yours, to understand
• 14:05
  Speaker 5: that I haven't come from a place where it's always
• 14:09
  Speaker 5: just been really easy. It's always been a bit of
• 14:11
  Speaker 5: a struggle. And I think that the thing that I'm
• 14:13
  Speaker 5: most proud of myself is my tenacity, and I always
• 14:18
  Speaker 5: get back up and I go no, I can absolutely
• 14:19
  Speaker 5: do this, like I don't need somebody else's validation to
• 14:22
  Speaker 5: make sure that happens. And I wasn't experiencing and eating
• 14:25
  Speaker 5: disorder because I wanted to be skinny or pretty or
• 14:28
  Speaker 5: any of those things. It was actually an outcome of
• 14:31
  Speaker 5: me wanting to feel more in control of a situation
• 14:34
  Speaker 5: because you know, going through school, you just don't feel
• 14:36
  Speaker 5: as in control as you can. And so mine ruminated
• 14:40
  Speaker 5: into that, and you know, I'm absolutely well and truly recovered.
• 14:43
  Speaker 3: In fact, I look back and go, who was that person?
• 14:46
  Speaker 5: Like, I'm such a foodie now and I enjoy food
• 14:49
  Speaker 5: and there's no issues there at all, which I'm really
• 14:51
  Speaker 5: grateful for because I know a lot of people sometimes
• 14:54
  Speaker 5: don't lose that. So that experience really led me down
• 14:57
  Speaker 5: a path of you know, I guess, realizing things and
• 15:01
  Speaker 5: enlightenment and being enlightened and wanting to learn more about
• 15:05
  Speaker 5: psychology because I had a really good psychologist and I
• 15:08
  Speaker 5: felt like in that moment, I could do that for
• 15:10
  Speaker 5: people too. So psychology was the next step because I've
• 15:14
  Speaker 5: always been someone that wants to help others, Like that
• 15:17
  Speaker 5: would be the underlying thing for every career that I've
• 15:20
  Speaker 5: ever had, is can I help other people? Because that's
• 15:23
  Speaker 5: where I get my joy, Like I get joy out
• 15:25
  Speaker 5: of teaching, I get joy out of, you know, knowing
• 15:28
  Speaker 5: that you're in a better position having crossed my path.
• 15:30
  Speaker 5: And you know, psychology was always something that really enabled
• 15:35
  Speaker 5: me to do that. So I started studying that and
• 15:37
  Speaker 5: just thought, Wow, this is so interesting and there's lots
• 15:39
  Speaker 5: of biology in that. You get to, you know, do
• 15:42
  Speaker 5: a lot of study and understand how the brain functions.
• 15:45
  Speaker 3: And then I remember getting.
• 15:46
  Speaker 5: To third year of psych and that's the last year
• 15:49
  Speaker 5: of your undergraduate degree, and I did a placement and
• 15:54
  Speaker 5: I hated it.
• 15:55
  Speaker 3: I couldn't know.
• 15:57
  Speaker 5: I was such a good learner and adored universe, but
• 16:01
  Speaker 5: I could not get my head around the fact that
• 16:04
  Speaker 5: what do you mean like.
• 16:05
  Speaker 3: This is going to be the job I too? This
• 16:08
  Speaker 3: is how it translates what this is awful?
• 16:11
  Speaker 5: And I took everything home. So I was definitely not
• 16:14
  Speaker 5: very good at psychology, and I think that takes a
• 16:17
  Speaker 5: really special Sorry, Lucy, that is not yours.
• 16:23
  Speaker 3: Give me two seconds. Sorry, Oh my god, don't be
• 16:25
  Speaker 3: I'm definitely living this in just saying, Lucy is the Sheeperdoodle.
• 16:33
  Speaker 4: Just FYI to everyone because I'm not cutting that out
• 16:36
  Speaker 4: because that was amazing.
• 16:37
  Speaker 3: Sorry.
• 16:38
  Speaker 5: She just went into my bathroom and I've left one
• 16:41
  Speaker 5: of the drawers open, and she had literally a mouthful
• 16:44
  Speaker 5: of silk scrunchies and she was running out of my
• 16:47
  Speaker 5: office with them, and I was like, no, satan not
• 16:49
  Speaker 5: today today.
• 16:52
  Speaker 3: Oh my god. And the silk it's like, can you
• 16:54
  Speaker 3: just get my cotton shitty scrunchy while my silk one
• 16:57
  Speaker 3: you are whole.
• 16:58
  Speaker 5: Yes, she had three of them, So thank you, Lucy.
• 17:01
  Speaker 5: Where was I I was telling you about how psychology
• 17:04
  Speaker 5: was not my cooling anyway. I would take everything home
• 17:08
  Speaker 5: and I just felt like I wasn't the right person
• 17:10
  Speaker 5: for that. And I genuinely believe it takes a really
• 17:13
  Speaker 5: special person to work in psychology and be able to
• 17:17
  Speaker 5: separate themselves. But I wasn't able to do that, and
• 17:20
  Speaker 5: it really impacted me, like my emotional energy would be
• 17:24
  Speaker 5: so flat. At the end of the day, I'd go
• 17:26
  Speaker 5: home and just ruminate on the stories that i'd heard.
• 17:29
  Speaker 5: And you know, now I'm much better at that, but
• 17:31
  Speaker 5: as a twenty one, twenty two year old, I can't
• 17:34
  Speaker 5: remember how old I was, but about then, it's.
• 17:36
  Speaker 3: A lot to carry.
• 17:38
  Speaker 5: I'm very lucky in that I've never experienced serious trauma,
• 17:42
  Speaker 5: so I couldn't relate to a lot of these stories,
• 17:45
  Speaker 5: especially at such a young age where I didn't have
• 17:48
  Speaker 5: a lot of life experience. I have beautiful parents who
• 17:51
  Speaker 5: you know, brought me up and obviously experienced some stuff,
• 17:54
  Speaker 5: but none of it was seriously traumatic, and so hearing
• 17:58
  Speaker 5: those stories, I was always like, wow, Like I just
• 18:00
  Speaker 5: wanted to pick these people up and take them out
• 18:02
  Speaker 5: of those situations. But that's not what psychology is about.
• 18:05
  Speaker 5: It's helping them deal with those situations. Anyway, kind of
• 18:09
  Speaker 5: hit a crisis point and realized that wasn't for me,
• 18:12
  Speaker 5: and thankfully I was surrounded by a lot of really
• 18:14
  Speaker 5: supportive people. One of them said, I think you want
• 18:18
  Speaker 5: to be in organizational psychology, and I was like, what
• 18:22
  Speaker 5: is that. I've literally never heard of it. I've been
• 18:24
  Speaker 5: doing psyche for three years. Anyway, did my research. Organizational
• 18:28
  Speaker 5: psychology is the science of people at work, and it
• 18:31
  Speaker 5: is all about culture and engagement and improving work life
• 18:35
  Speaker 5: balance for people. And I was like, oh, I could
• 18:37
  Speaker 5: totally get around that. So, without having any experience in it,
• 18:42
  Speaker 5: I enrolled in an honors program at a different university,
• 18:47
  Speaker 5: doing an organizational psyche thesis and doing my honors year
• 18:52
  Speaker 5: in that because I was just like, yep, that seems
• 18:54
  Speaker 5: to be the only logical answer obviously, and I went
• 18:57
  Speaker 5: and I got an internship in the space and started
• 19:00
  Speaker 5: to love that. And culture is it's so important. Obviously,
• 19:05
  Speaker 5: that's what's going to help you enjoy a job, whether
• 19:08
  Speaker 5: you like the actual job semantics or not. And I
• 19:11
  Speaker 5: really liked having an impact and working in a space
• 19:14
  Speaker 5: where I could help senior leaders, you know, go to
• 19:17
  Speaker 5: the next level. It was never about fixing things in
• 19:20
  Speaker 5: the way that I felt psychology was, but it was
• 19:22
  Speaker 5: more about, you know, empowering them to take the next
• 19:25
  Speaker 5: step and talking about, you know, the next thing in
• 19:27
  Speaker 5: their job, or you know, what do you want to
• 19:29
  Speaker 5: achieve or you know, have you got imposter syndrome? And
• 19:32
  Speaker 5: I would always just I loved those conversations, and so did
• 19:36
  Speaker 5: my honors year. And I went and I got a
• 19:37
  Speaker 5: grad job in all psych and I was very lucky
• 19:40
  Speaker 5: to get it because I was the youngest one on
• 19:42
  Speaker 5: the team. And I started being a consultant and I
• 19:45
  Speaker 5: went out to organizations and you know, I worked in
• 19:48
  Speaker 5: a team.
• 19:48
  Speaker 3: It wasn't just me being sent out as a.
• 19:50
  Speaker 4: Grad A promise you, hi, I'm brand new, let me
• 19:54
  Speaker 4: change everything.
• 19:54
  Speaker 5: Yeah, Hi, I would love to measure the engagement of
• 19:58
  Speaker 5: your community or your your business. I have no experience
• 20:02
  Speaker 5: but high anyway, So it was kind of a grad role,
• 20:05
  Speaker 5: kind of not a grad role. It was like the
• 20:07
  Speaker 5: next step because they didn't have grad roles. And I
• 20:10
  Speaker 5: loved it, but I kept coming into this situation where
• 20:15
  Speaker 5: I'd only studied psychology, but i'd go and meet with
• 20:17
  Speaker 5: a team of people in a business who worked in
• 20:19
  Speaker 5: accounting that'd be like, what's counting? I don't get it,
• 20:23
  Speaker 5: or people who were from the marketing department, and I'd
• 20:26
  Speaker 5: be like, I also don't get your work experience because
• 20:29
  Speaker 5: I didn't know genuinely, I didn't know what work they did,
• 20:33
  Speaker 5: and they kept coming up with questions for me that
• 20:35
  Speaker 5: I just felt really stumped on. So when it came
• 20:37
  Speaker 5: to culture and engagement, I'd be, you know, across it
• 20:40
  Speaker 5: because I'd studied it and fully comprehended it. But people
• 20:43
  Speaker 5: would often say, Oh, Victoria, it's not my work that's
• 20:46
  Speaker 5: stressing me. It's that I don't have enough money. It's Oh,
• 20:49
  Speaker 5: my wife is pregnant and we just don't know how
• 20:51
  Speaker 5: we going to afford it because we hadn't planned for this,
• 20:54
  Speaker 5: Or oh, my mortgage repayments are getting us down. Don't
• 20:57
  Speaker 5: worry my engagements not because of that. It's because I've
• 20:59
  Speaker 5: got a lot going on at home and money at
• 21:02
  Speaker 5: that point started to become this really big underlying theme
• 21:05
  Speaker 5: in my life that I didn't feel like I understood
• 21:08
  Speaker 5: I had control of. So during this time, Also because
• 21:12
  Speaker 5: I didn't understand the different segments of business, I, in
• 21:16
  Speaker 5: typical Victoria fashion, wanted to study more.
• 21:19
  Speaker 3: So I enrolled in my MBA. Is that when you
• 21:22
  Speaker 3: started your MBA.
• 21:23
  Speaker 5: I started my MBA when I was twenty one and
• 21:26
  Speaker 5: I finished it at twenty three.
• 21:28
  Speaker 3: Of course you didn't.
• 21:29
  Speaker 5: Yeah, absolutely, of course I did. It's really normal, guys, so.
• 21:33
  Speaker 4: Normal, And I love that with your other degree, you know,
• 21:36
  Speaker 4: the one before that, You're like, I just want to
• 21:37
  Speaker 4: step my toe into aucyite.
• 21:39
  Speaker 3: So I'm going to do like a full thesis. Yeah,
• 21:41
  Speaker 3: I just kind of dip my toe in a little bit.
• 21:43
  Speaker 5: I'm definitely I go hard or go home, Firson. So yeah,
• 21:48
  Speaker 5: I started my MBA and got to study finance. So
• 21:52
  Speaker 5: I did my nagerial finance. I did managerial accounting and thrived,
• 21:56
  Speaker 5: like loved it. Could not understand why I hated tables
• 22:00
  Speaker 5: so much.
• 22:01
  Speaker 3: Could not you know what I mean?
• 22:03
  Speaker 5: Like, I just was so sure that the impact of
• 22:06
  Speaker 5: finance was so profound for me, And yeah, I started
• 22:11
  Speaker 5: loving that and dabbling in that. And at that point
• 22:13
  Speaker 5: at this job where I was working in org psych,
• 22:16
  Speaker 5: I had this client who was a financial advisor, and
• 22:19
  Speaker 5: every day he used to say, like every day that
• 22:21
  Speaker 5: I worked with him, he'd be like, you'd be a
• 22:23
  Speaker 5: great advisor, Like consider it, Like you'd be so much
• 22:26
  Speaker 5: better at that than this. And I'd always be like,
• 22:28
  Speaker 5: that is literally the worst job I can think of,
• 22:31
  Speaker 5: Like who would want to be a financial advisor? So
• 22:35
  Speaker 5: obviously I pushed it off and pushed it off. I
• 22:37
  Speaker 5: had no interest in entertaining this. And you know, after
• 22:41
  Speaker 5: studying it and really feeling like I understood it and
• 22:43
  Speaker 5: becoming a bit disengaged myself in the role that I
• 22:46
  Speaker 5: was in because I just felt like I wasn't having
• 22:48
  Speaker 5: the impact I wanted to have, I kind of just
• 22:51
  Speaker 5: took the plunge and said, all right, I'm going to
• 22:53
  Speaker 5: quit anyway. I'd actually just moved roles to a new job.
• 22:56
  Speaker 5: I'd gone from consulting to being internal attally at a university,
• 23:01
  Speaker 5: and I didn't like it at all. The team were
• 23:05
  Speaker 5: not good, the culture was awful. I realized that, you know,
• 23:10
  Speaker 5: in this role, I was never going to have an
• 23:12
  Speaker 5: impact because there was just too many hoops to jump through,
• 23:15
  Speaker 5: and you know, very much a culture of but this
• 23:18
  Speaker 5: is the way it's always been done, and I just
• 23:20
  Speaker 5: don't end here or you know, subscribe to that notion
• 23:23
  Speaker 5: at all. So I think I was in that job
• 23:25
  Speaker 5: for just over six months when I said I can't
• 23:28
  Speaker 5: do this, Like I wanted to meet probations so that
• 23:30
  Speaker 5: I didn't look like I had not met it because
• 23:32
  Speaker 5: I was definitely an achievement based person. I was like, oh,
• 23:35
  Speaker 5: I don't want people to think that. So I think
• 23:37
  Speaker 5: just over six months I said, you know what, anything
• 23:40
  Speaker 5: would be better than this, and I started doing finance
• 23:43
  Speaker 5: and started a role there, and obviously you have to
• 23:47
  Speaker 5: be certified to do that, so I went and i'd
• 23:49
  Speaker 5: finished my MBA, so I jumped into doing financial advice
• 23:53
  Speaker 5: and I did my Diploma of Financial Planning, and yeah,
• 23:58
  Speaker 5: I guess I've never looked back. And from there I
• 24:01
  Speaker 5: was really lucky because I worked in a space that
• 24:05
  Speaker 5: was high net wealth. So I wasn't working in you
• 24:09
  Speaker 5: what people call mom and dad financial advice. And it's
• 24:12
  Speaker 5: not meant to be an offensive term at all, it's
• 24:14
  Speaker 5: just you know, everyday people. I wasn't working in that space.
• 24:18
  Speaker 5: It's actually the space I'm really passionate about. I ended
• 24:21
  Speaker 5: up in ultra high netwealth people. So that was people
• 24:24
  Speaker 5: who had a minimum of ten million dollars to invest
• 24:27
  Speaker 5: on the regular, so all of us know, yeah, so
• 24:30
  Speaker 5: all of us really relatable content Victoria. But that was
• 24:34
  Speaker 5: the space I was working in, and so I learned
• 24:36
  Speaker 5: a lot about investment really quickly.
• 24:38
  Speaker 3: I got really great.
• 24:39
  Speaker 5: Exposure to boards of people who would make decisions for
• 24:42
  Speaker 5: investment companies. I got to understand the private family office
• 24:46
  Speaker 5: space and what that meant and how to invest and
• 24:50
  Speaker 5: for me, then I wanted to do my own thing
• 24:53
  Speaker 5: because I just felt like that wasn't me, and I
• 24:55
  Speaker 5: started Zella, and the financial advisor that I worked with
• 24:58
  Speaker 5: became my business partner in that because financial advice and
• 25:01
  Speaker 5: becoming an advisor and having a practice is really expensive,
• 25:04
  Speaker 5: so you definitely need someone behind you to be able
• 25:07
  Speaker 5: to go out on your own. And I'm very grateful
• 25:09
  Speaker 5: for that opportunity that was afforded to me to do
• 25:11
  Speaker 5: that and establish this business. But the more I worked
• 25:15
  Speaker 5: with ultra high net wealth people, the more I realized
• 25:17
  Speaker 5: that I wasn't passionate about it, Like I didn't want
• 25:20
  Speaker 5: to make rich people richer. It didn't serve me, it
• 25:23
  Speaker 5: didn't have that level of impact that I wanted to have.
• 25:26
  Speaker 5: And so on the side of you know, building up
• 25:29
  Speaker 5: this business of clients that were pretty wealthy, I started
• 25:33
  Speaker 5: doing these workshops for women in law firms because that
• 25:37
  Speaker 5: was who I really wanted to talk to and I
• 25:38
  Speaker 5: felt like I could have a really big impact with
• 25:41
  Speaker 5: So I went to some pretty big law firms around
• 25:43
  Speaker 5: Melbourne and said, hey, got in contact with.
• 25:45
  Speaker 3: Their HR departments.
• 25:46
  Speaker 5: Thankfully, some of the clients were actually partners at these
• 25:49
  Speaker 5: law firms, so I had a pretty smooth in and said,
• 25:52
  Speaker 5: can I talk to your HR partner like I'd love
• 25:54
  Speaker 5: to have a chat with them. I've got this workshop idea.
• 25:57
  Speaker 5: So they let me come in and run these workshops
• 25:59
  Speaker 5: called She's on the Money. And I did that because
• 26:04
  Speaker 5: I genuinely felt like every other workshop I had run,
• 26:07
  Speaker 5: because that was something I often got asked to do
• 26:09
  Speaker 5: because I do love presenting and I do love teaching.
• 26:12
  Speaker 5: The women in the room never put their hands up
• 26:15
  Speaker 5: and they never wanted to in front of men say
• 26:17
  Speaker 5: oh I don't really understand super or why would I
• 26:19
  Speaker 5: make additional contributions or what's you know this insurance? Or
• 26:22
  Speaker 5: you know, how do I start investing? Because especially women
• 26:26
  Speaker 5: in law, and maybe you'll understand this, Sarah, it's not
• 26:29
  Speaker 5: a bad thing. You are smart women, but you just
• 26:33
  Speaker 5: don't want to seem silly in front of your male counterparts.
• 26:36
  Speaker 5: And men, especially in law, often like oh, yeah, I
• 26:39
  Speaker 5: inverst and I do this and I do that, and
• 26:41
  Speaker 5: you're like, oh, I don't want to have these conversations.
• 26:43
  Speaker 5: So I'd often find that after those sessions, women would
• 26:47
  Speaker 5: loiter back and ask me these questions they weren't comfortable
• 26:50
  Speaker 5: asking in front of other people, or they would email
• 26:53
  Speaker 5: me and ask these questions post the presentation. And so
• 26:57
  Speaker 5: I decided to do a female only one and I
• 26:59
  Speaker 5: called it She's on the Money. And so for a
• 27:01
  Speaker 5: few years I was doing these seminars and I loved them.
• 27:05
  Speaker 5: I didn't do them for any other reason. I wasn't
• 27:07
  Speaker 5: paid to do them, sadly, and I just adored it,
• 27:12
  Speaker 5: like I loved the connections that I was creating, and
• 27:15
  Speaker 5: the women that would say, Victoria, I didn't even know this,
• 27:17
  Speaker 5: like it's so easy, and you know, I'm going to
• 27:19
  Speaker 5: start investing or I'm going to do this or that
• 27:21
  Speaker 5: and it was just so beautiful that I wanted to
• 27:23
  Speaker 5: carry those conversations on outside of the workshop. So I
• 27:27
  Speaker 5: created a Facebook group, and that Facebook group is She's
• 27:32
  Speaker 5: on the Money, and I remember it's starting to grow
• 27:35
  Speaker 5: and people that I didn't know.
• 27:37
  Speaker 3: Were joining, and I was like, who are you. I
• 27:39
  Speaker 3: didn't invite you, Like, I don't know you. This is
• 27:41
  Speaker 3: all you.
• 27:42
  Speaker 5: And people would message me and say, oh, hey, Victoria,
• 27:45
  Speaker 5: I hope you don't mind. I went to one of
• 27:47
  Speaker 5: your workshops, but my sister didn't. But I think that
• 27:50
  Speaker 5: she'd love your Facebook group. Is it already if it
• 27:52
  Speaker 5: had her? And I'd be like, of course, like the
• 27:54
  Speaker 5: more the Maria. And so I thought, oh, there's all
• 27:56
  Speaker 5: these people that haven't been to my workshops and haven't understood,
• 27:59
  Speaker 5: you know, what I'm about. So I'm going to start
• 28:02
  Speaker 5: doing some structured content. So every week I would cover
• 28:04
  Speaker 5: a different topic and upload a little pdf for them
• 28:06
  Speaker 5: to do their own thing or you know, talk about
• 28:08
  Speaker 5: a specific topic or I did this pretty consistently for
• 28:13
  Speaker 5: about twelve weeks, and I was shook because I ended
• 28:17
  Speaker 5: up having seventeen hundred people in the Facebook group like
• 28:20
  Speaker 5: and at that time, I was like seventeen hundred people like,
• 28:23
  Speaker 5: what am I going to do with this? And I
• 28:25
  Speaker 5: asked them, literally, I was like, how do I do this?
• 28:28
  Speaker 5: And I asked them.
• 28:29
  Speaker 3: Who are you? All you come from? Like? Am I famous? Like?
• 28:35
  Speaker 5: It literally was overwhelming, and I said to them, what
• 28:37
  Speaker 5: do you want next? How can I help you learn more?
• 28:39
  Speaker 5: Because I'm genuinely just passionate about sharing this information. And
• 28:44
  Speaker 5: they said, can you create a YouTube channel? And I
• 28:46
  Speaker 5: was like, ah, no, not a chance, not a chance,
• 28:49
  Speaker 5: it's not happening. I'm not confident enough for that.
• 28:52
  Speaker 3: Say's the now famous TikTok person, But whatever.
• 28:55
  Speaker 5: Okay, So weird, right, so weird. Someone's gotten a little
• 28:58
  Speaker 5: confidence that they didn't have before. And I might have
• 29:00
  Speaker 5: a few tickets on myself now that I definitely didn't
• 29:03
  Speaker 5: have before. But that is okay, that is personal growth a.
• 29:07
  Speaker 3: So that's part of the GIT. That is seizing your
• 29:09
  Speaker 3: ya babe, that is getting rid of the NATA thank
• 29:12
  Speaker 3: you and it's so fun.
• 29:13
  Speaker 5: But I was really afraid of judgment and I was
• 29:15
  Speaker 5: really afraid of what people would think. And I felt
• 29:18
  Speaker 5: like in video I didn't have the flexibility to construct
• 29:22
  Speaker 5: the conversation in the same way that I could and
• 29:24
  Speaker 5: a Facebook post because you can prove freed it and
• 29:26
  Speaker 5: think about it and you know, make sure your stats
• 29:28
  Speaker 5: are right. And I was just really nervous, right, so
• 29:31
  Speaker 5: they wanted me to do a YouTube and I just
• 29:32
  Speaker 5: wasn't comfortable with it. And at the time, Michelle and
• 29:35
  Speaker 5: Zara from Shameless for people that I was having chatscoo
• 29:38
  Speaker 5: than friends of mine, and I said, how do I
• 29:39
  Speaker 5: do a podcast? Like would they would they take a
• 29:41
  Speaker 5: podcast anyway? And they saw the vision that I saw
• 29:44
  Speaker 5: for a podcast, and they helped me to bring to
• 29:46
  Speaker 5: life the first season of this She's on the Money
• 29:48
  Speaker 5: podcast with twelve episodes, and we originally thought it would
• 29:52
  Speaker 5: just be those twelve episodes, like you know, I jam
• 29:55
  Speaker 5: packed them full of value that I genuinely felt like
• 29:58
  Speaker 5: that was all we'd ever do, because who wants podcast
• 30:00
  Speaker 5: of money? Right? Like there weren't really any other podcasts
• 30:04
  Speaker 5: of money, especially for women, And I felt like, okay, cool,
• 30:07
  Speaker 5: Like if we put these twelve episodes out into the universe,
• 30:10
  Speaker 5: like they will help people, and because they're up on
• 30:12
  Speaker 5: a podcasting platform, people can come back to them time
• 30:15
  Speaker 5: and time again. They could re listen or you know,
• 30:17
  Speaker 5: be introduced like a year later and that will be enough.
• 30:20
  Speaker 3: Anyway.
• 30:21
  Speaker 5: It kind of and I say kind of blew up,
• 30:23
  Speaker 5: I don't mean kind of blew up. It genuinely did
• 30:25
  Speaker 5: blow up. And you know, we finished season one and
• 30:28
  Speaker 5: I decided that, you know, after quite a lot of
• 30:31
  Speaker 5: demand to bring it back, after a couple of months
• 30:34
  Speaker 5: of people going when's the next season? And I was loky, like, ah,
• 30:37
  Speaker 5: there wasn't ever one planned. So I had to work
• 30:40
  Speaker 5: out a way to actually get a second season and
• 30:43
  Speaker 5: start producing it. And Michelle and Zara was so busy,
• 30:46
  Speaker 5: and obviously they've got an incredibly successful podcast, so it
• 30:50
  Speaker 5: wasn't an option to continue it that way. And yeah,
• 30:53
  Speaker 5: we found a way, and now she's on the money.
• 30:56
  Speaker 5: From those seventeen hundred people that wanted a YouTube and
• 30:59
  Speaker 5: didn't get one, we've grown to more than one hundred
• 31:01
  Speaker 5: and seventy thousand people in that Facebook group and a
• 31:05
  Speaker 5: podcast that gets more than a million downloads every single month,
• 31:09
  Speaker 5: and I think we're number seven still in the country
• 31:12
  Speaker 5: for podcasts on the podcast Rancor and that's been since January,
• 31:16
  Speaker 5: which is crazy. And yeah, that's I guess, in a
• 31:21
  Speaker 5: very long way, my journey and how I've gone from
• 31:26
  Speaker 5: being someone who you know, really didn't have confidence and
• 31:30
  Speaker 5: really didn't you know, trust themselves or understand themselves or
• 31:33
  Speaker 5: know what I wanted to do all the way through
• 31:36
  Speaker 5: to a guess having this community, and I still don't
• 31:39
  Speaker 5: know what I'm doing. We're making it up as we
• 31:41
  Speaker 5: go and it's working well, and I'm grateful I have
• 31:44
  Speaker 5: a team behind me that she's on. The money team
• 31:47
  Speaker 5: is I think we've got seven of us now, and
• 31:49
  Speaker 5: you know, I've got a wealth business on the side, Zella.
• 31:52
  Speaker 5: I had a business partner and a year and a
• 31:55
  Speaker 5: half ago I bought him out. So now Zella is
• 31:57
  Speaker 5: one hundred percent mine and it's all me. And yeah,
• 32:00
  Speaker 5: it's it's crazy to think that from and I say
• 32:04
  Speaker 5: this quote all the time, but like from little things,
• 32:06
  Speaker 5: big things really do grow.
• 32:08
  Speaker 3: And yeah, I need to get that song on now.
• 32:11
  Speaker 3: Oh my gosh. Yes, but it's so true.
• 32:13
  Speaker 5: And you know, I look back on it and you know,
• 32:15
  Speaker 5: now you've heard that story, I feel like people go, oh,
• 32:18
  Speaker 5: that made so much sense, Like you can see how
• 32:20
  Speaker 5: the logical steps happened. But at that point in time,
• 32:23
  Speaker 5: like it did feel like a crisis. When I'd done
• 32:25
  Speaker 5: three years of study for psych and then realized I
• 32:28
  Speaker 5: didn't want to be a psychologist. And then, you know,
• 32:31
  Speaker 5: even when I was in this role that I didn't
• 32:33
  Speaker 5: like that. I just felt like I wasn't fitting into
• 32:35
  Speaker 5: Like I didn't know what I was going to do,
• 32:37
  Speaker 5: and I just wanted to take a leap, but didn't
• 32:39
  Speaker 5: know what was right, and it was scary and terrifying.
• 32:41
  Speaker 5: And I guess, you know, even starting She's on the
• 32:44
  Speaker 5: Money was hard and people think it's great now and
• 32:48
  Speaker 5: I absolutely adore everything about it and I always have,
• 32:51
  Speaker 5: but I remember I got a lot of criticism at
• 32:53
  Speaker 5: the start and people saying that it was lame, and
• 32:55
  Speaker 5: you know, no one wants to talk about money. And
• 32:57
  Speaker 5: I used to ask my girlfriends like, oh, hey, so
• 33:00
  Speaker 5: I just did this post in my Facebook group, can
• 33:03
  Speaker 5: you go like it? It's because no one's liked it yet,
• 33:05
  Speaker 5: and it's one of those things. Yeah, but it's true,
• 33:09
  Speaker 5: right like, and we all grow from places, and we're
• 33:11
  Speaker 5: all not confident in what we do at the beginning
• 33:14
  Speaker 5: until you know, we seek some kind of validation and
• 33:17
  Speaker 5: it's silly because we should be validating ourselves and know
• 33:21
  Speaker 5: that inherently if we're making the leave and we're making
• 33:24
  Speaker 5: this decision like there's a reason we're bringing it to
• 33:26
  Speaker 5: the table. And I think the second you try to
• 33:29
  Speaker 5: be everything to everybody, you really dilute the value that
• 33:33
  Speaker 5: you bring to the table, and you really do yourself
• 33:35
  Speaker 5: a disservice because you are so valuable and there are
• 33:38
  Speaker 5: people out there who are going.
• 33:40
  Speaker 3: To adore you.
• 33:41
  Speaker 5: The more you're adored, the more people that don't resonate
• 33:46
  Speaker 5: with your story and your journey. And it could just
• 33:48
  Speaker 5: be because it highlights to them a deficiency they have
• 33:53
  Speaker 5: selt makes them feel really uncomfortable. But I guarantee you
• 33:56
  Speaker 5: the people that aren't comfortable with you, they don't know you,
• 34:00
  Speaker 5: know anything about you, and it's never actually about you.
• 34:02
  Speaker 5: It's always about them, like it's a reflection of their
• 34:05
  Speaker 5: own feelings and their thought patterns, has nothing to do
• 34:08
  Speaker 5: with us.
• 34:08
  Speaker 3: And I think that.
• 34:09
  Speaker 5: When you can genuinely start seeing that and see that,
• 34:12
  Speaker 5: you know it's actually never about me, It's actually about
• 34:15
  Speaker 5: something that they're experiencing, and you know, maybe I could
• 34:18
  Speaker 5: help them through that, or maybe they're not.
• 34:20
  Speaker 3: Ready for that.
• 34:20
  Speaker 5: That's okay, but it really helps you understand that, you know,
• 34:24
  Speaker 5: the world is a good place and there are just
• 34:26
  Speaker 5: some eggs that make you feel a bit sad.
• 34:29
  Speaker 4: Sometimes, and also that any worthy journey where you're doing
• 34:33
  Speaker 4: something a bit different, Like I've spoken about it quite
• 34:35
  Speaker 4: a few times with people who have been the first
• 34:38
  Speaker 4: or among the first in an area or an industry
• 34:41
  Speaker 4: where they're doing something quite different. Is when you're the
• 34:44
  Speaker 4: first person to do something, it's going to draw a
• 34:46
  Speaker 4: lot of negativity at the beginning. It's going to feel
• 34:49
  Speaker 4: really uncomfortable. But nothing is cool until it is right,
• 34:53
  Speaker 4: like financially cool until you made it cool, Like now
• 34:56
  Speaker 4: it's so cool to be financially secure, like you've turn
• 35:00
  Speaker 4: that into something that people want to be associated with
• 35:02
  Speaker 4: financial savvy and financial literacy, Like it's not cool to
• 35:06
  Speaker 4: not know your books, it's not cool to be winging
• 35:08
  Speaker 4: it in and struggling and not having support and resources.
• 35:13
  Speaker 4: But it's really uncool until someone makes it that way.
• 35:17
  Speaker 4: And you just happen to be the person that's forged
• 35:18
  Speaker 4: a really unique path, facing all these obstacles to get
• 35:22
  Speaker 4: through to now take it to where it is. And
• 35:25
  Speaker 4: I love that because the quote I always say is
• 35:27
  Speaker 4: someone out there is looking for exactly what you have,
• 35:30
  Speaker 4: but people think that you found all those people overnight.
• 35:33
  Speaker 4: But this chat reminded me that actually, like you know,
• 35:37
  Speaker 4: even the way that people sometimes refer to a jump
• 35:40
  Speaker 4: from one industry to another as a leap, I think
• 35:43
  Speaker 4: that detracts from the fact that it isn't one big
• 35:46
  Speaker 4: jump that happens overnight. You didn't just go, I'm going
• 35:47
  Speaker 4: to from like a shit time and one job to
• 35:50
  Speaker 4: a really great time the where I'm really popular in another.
• 35:53
  Speaker 5: No one gets to do that, and it's entitled to
• 35:56
  Speaker 5: think that too, because there's so many factors in the background, right.
• 36:00
  Speaker 5: I had to work out whether I could afford to
• 36:02
  Speaker 5: do that, and fortunately, at that point in time, I
• 36:05
  Speaker 5: was young, I had housemates, I didn't have any commitments,
• 36:07
  Speaker 5: I didn't have any responsibilities, so I could move and
• 36:11
  Speaker 5: I could take a job that you know, didn't pay
• 36:13
  Speaker 5: as much. But I kind of saw it as an opportunity,
• 36:16
  Speaker 5: and to be honest, at that point in time, it
• 36:18
  Speaker 5: wasn't about pay.
• 36:19
  Speaker 3: I was just miserable and was.
• 36:20
  Speaker 5: Like, oh, I'll do that, thank you, Like that'll be
• 36:22
  Speaker 5: more than enough money for me to pay rent and
• 36:25
  Speaker 5: still go out and buy bottles of prosecco with my girlfriends,
• 36:28
  Speaker 5: to hang out at Precinct on the weekend. Like I
• 36:32
  Speaker 5: definitely like, wasn't the type of person that was like, okay, cool,
• 36:36
  Speaker 5: like this is going to be my career. Like I'm
• 36:38
  Speaker 5: very study driven. That's what I love and what I adore.
• 36:41
  Speaker 5: But I think that people think I'm just this person
• 36:44
  Speaker 5: that sits at home and reads and you know, it
• 36:46
  Speaker 5: doesn't engage. And while I'm not that person anymore and
• 36:49
  Speaker 5: I don't go to Precinct on the weekends, I'm sorry,
• 36:52
  Speaker 5: I just yeah, sorry, I don't even drink that much.
• 36:56
  Speaker 3: I'm so borring.
• 36:58
  Speaker 5: But past me obviously would be very proud of what
• 37:01
  Speaker 5: I've achieved. She found out that I got excited over
• 37:04
  Speaker 5: the fact that I got a new dishwasher yesterday, like oh, oh, it's.
• 37:09
  Speaker 3: Her dream, Oh it happened. And why before your time?
• 37:12
  Speaker 3: It not even in your thirties yet, Like yes, I literally.
• 37:16
  Speaker 5: Have like twenty days left of my thirties and this
• 37:19
  Speaker 5: is how I'm spending Victoria.
• 37:23
  Speaker 4: But I love that so much because it really is
• 37:26
  Speaker 4: like I was struggling a lot. You know how much
• 37:28
  Speaker 4: research I do before these episodes, and I've really wanted
• 37:31
  Speaker 4: to use a big part of the episode. You are
• 37:34
  Speaker 4: just such a fountain of practical knowledge that has really
• 37:38
  Speaker 4: made some really unsexy and sometimes stigmatized. Like, you know,
• 37:42
  Speaker 4: a lot of people grew up in a time where
• 37:44
  Speaker 4: you didn't talk about money, religion, and politics, Like there
• 37:46
  Speaker 4: is a lot of stigma around financial conversations, but it
• 37:49
  Speaker 4: does hold us back in a lot of ways, and
• 37:51
  Speaker 4: as you mentioned in the workplace, like it's very difficult
• 37:53
  Speaker 4: to have these conversations if you don't have a support network.
• 37:56
  Speaker 3: But I love that.
• 37:58
  Speaker 4: You've not just made a very difficult, intimidating, complicated, multifaceted area,
• 38:06
  Speaker 4: very approachable and non judgmental as well, Like your book,
• 38:09
  Speaker 4: your podcast, everything comes from such a place of it
• 38:11
  Speaker 4: doesn't matter where you are. There's no bad, there's no wrong,
• 38:14
  Speaker 4: it's just how can we improve you from here. I
• 38:17
  Speaker 4: wanted to spend so much of the episode on the
• 38:19
  Speaker 4: practical tips that you had.
• 38:20
  Speaker 5: I feel like that's exactly what we've done. So I
• 38:22
  Speaker 5: do apologize, but I genuinely agree with you there, and
• 38:27
  Speaker 5: I think that that's something that is really special about
• 38:29
  Speaker 5: She's on the money right, Like it actually came from
• 38:32
  Speaker 5: a place of love, and I think that that's why
• 38:35
  Speaker 5: it has a different vibe and it has this community
• 38:38
  Speaker 5: behind it, and it's not you know, obviously now it
• 38:40
  Speaker 5: is a business, and I'm so grateful that it is
• 38:43
  Speaker 5: because I can employ some really beautiful people to help
• 38:45
  Speaker 5: me educate even more people.
• 38:48
  Speaker 3: But for me, the.
• 38:50
  Speaker 5: Idea of She's on the Money came from this place
• 38:52
  Speaker 5: of love and from giving. And it was never something
• 38:54
  Speaker 5: about making money because I had a business, I had
• 38:57
  Speaker 5: something else on the side, And you know, I never
• 38:59
  Speaker 5: thought in my wildest dreams that this is where we
• 39:01
  Speaker 5: would be. And I guess that's what we always as
• 39:04
  Speaker 5: a team come back to as well, is like, are
• 39:07
  Speaker 5: we serving our community? Are we putting them in the
• 39:10
  Speaker 5: best possible position. Are we giving them every single tool
• 39:13
  Speaker 5: and resource they need to be savvy and financially literate
• 39:17
  Speaker 5: and you know, educated and empowered. And I guess that
• 39:20
  Speaker 5: comes from me, you know, if we distill it down,
• 39:24
  Speaker 5: having experienced this ultra high net wealth world where they
• 39:27
  Speaker 5: can afford all the advice in the world, and I
• 39:30
  Speaker 5: just saw such an unfair advantage that they could access
• 39:34
  Speaker 5: awesome advice and my friends couldn't. And I guess that's
• 39:38
  Speaker 5: where She's on the Money came from. And I guess,
• 39:41
  Speaker 5: and I hope that it'll always feel that way to people.
• 39:44
  Speaker 3: And you know, you're a.
• 39:46
  Speaker 5: Quote person, and I love that about you. It makes
• 39:48
  Speaker 5: me so happy. But a quote that's really helped me,
• 39:52
  Speaker 5: especially along this journey, because people aren't your greatest fans,
• 39:55
  Speaker 5: Like some people just really don't like what I do,
• 39:58
  Speaker 5: because you're right, it's money, religion, and politics, and if
• 40:01
  Speaker 5: you talk about those you make a lot of people uncomfortable.
• 40:04
  Speaker 5: But the quote is, you'll never be criticized by someone
• 40:08
  Speaker 5: who is doing more than you. You will only ever
• 40:10
  Speaker 5: be criticized by someone who is doing less. And that
• 40:13
  Speaker 5: brings me a lot of joy because I just know
• 40:17
  Speaker 5: that if ever someone says something that you know doesn't resonate,
• 40:20
  Speaker 5: and I'm all about feedback, right like if you tell me, like, hey, Victoria,
• 40:23
  Speaker 5: just don't think that landed well enough, or you didn't
• 40:25
  Speaker 5: do you know enough here, And you know, people slide
• 40:28
  Speaker 5: into our dms all the time and give us different
• 40:30
  Speaker 5: perspectives and I'm so grateful for that. I never want
• 40:32
  Speaker 5: that to stop. But sometimes, as you would know, Sarah,
• 40:35
  Speaker 5: in a place of I guess the social media world,
• 40:39
  Speaker 5: like people are just mean and they are just rude.
• 40:42
  Speaker 3: And that quote really helps me in that space. I
• 40:46
  Speaker 3: love it so much.
• 40:47
  Speaker 4: I haven't heard that one, and it's I think one
• 40:50
  Speaker 4: of my new favorites because it's so true what I
• 40:53
  Speaker 4: was saying before though about the fact that I really
• 40:56
  Speaker 4: wanted to use a lot of this episode for you know,
• 40:58
  Speaker 4: a lot of the practical tips. But because the book
• 41:01
  Speaker 4: is the most comprehensive, covers literally everything from saving super
• 41:06
  Speaker 4: home bowns, investment children, like estate planning. It is the
• 41:11
  Speaker 4: most comprehensive, like approachable, really just beautifully worded in such
• 41:17
  Speaker 4: a really demystifies quite intimidating areas because people can get
• 41:21
  Speaker 4: it in the book. I'm so glad that we spent
• 41:23
  Speaker 4: more of the time on the.
• 41:24
  Speaker 3: Story because, oh thank you.
• 41:26
  Speaker 4: It doesn't get as much airtime, right like people come
• 41:29
  Speaker 4: straight to you in interviews.
• 41:31
  Speaker 5: No, and it's not something I share either. It's not
• 41:33
  Speaker 5: because she's on the money isn't me. It is not
• 41:35
  Speaker 5: about me. It is about the people in my community.
• 41:38
  Speaker 5: And I've really shied away in the book actually from
• 41:41
  Speaker 5: talking about my personal experience because that doesn't help you.
• 41:45
  Speaker 5: I wanted to fill it full of value and things
• 41:47
  Speaker 5: that could actually help you and money stories from my
• 41:51
  Speaker 5: community that I thought were really interesting or inspiring or
• 41:54
  Speaker 5: just relatable, because I didn't want to give you a
• 41:57
  Speaker 5: whole chapter on saving and then not have relatable examples
• 42:01
  Speaker 5: of people who have done it to inspire you to
• 42:03
  Speaker 5: take the next steps. And you know, my publishers were
• 42:06
  Speaker 5: really frustrated with me because when I started writing, they said, Hey,
• 42:09
  Speaker 5: here's the word count that we're aiming towards, and how
• 42:12
  Speaker 5: many chapters have you got that you think you'll write on.
• 42:14
  Speaker 5: And you know, you've written a book, so you would
• 42:16
  Speaker 5: know that. You give them the skeleton and the outline
• 42:18
  Speaker 5: of the book and you go, yep, this is what
• 42:20
  Speaker 5: I think I'll write. And I started writing, and then
• 42:21
  Speaker 5: i'd call them and be like, hey, I just I
• 42:24
  Speaker 5: want to do another chapter, is he I just I
• 42:26
  Speaker 5: think that this is going to be really good And
• 42:27
  Speaker 5: then she would be like, yeah, no problems. And then
• 42:30
  Speaker 5: I had this chapter that included saving, and so I
• 42:33
  Speaker 5: started writing that and then I called her. I was like, ah, yeah,
• 42:35
  Speaker 5: so I wanted saving to be up it's own chapter
• 42:37
  Speaker 5: and I want to call it this and she'd be like, Okay,
• 42:39
  Speaker 5: no problems. So now we're up to like twenty two chapters.
• 42:41
  Speaker 3: What are we going to do?
• 42:42
  Speaker 5: Next, and I was like, okay, so also in addition
• 42:44
  Speaker 5: to this and we have a plan, and she'd just
• 42:46
  Speaker 5: be like, this is not the book we are going
• 42:48
  Speaker 5: to but okay, no problems.
• 42:49
  Speaker 3: And it's one of.
• 42:50
  Speaker 5: Those things that it really evolved over time, and it really,
• 42:53
  Speaker 5: you know, grew, and I knew I wanted money stories
• 42:56
  Speaker 5: to be a part of it, but I thought i'd
• 42:57
  Speaker 5: have a couple, right, but every single chapter like one
• 43:00
  Speaker 5: or two because I just couldn't stop, Like I just
• 43:03
  Speaker 5: the second I was there, I was like, oh, this
• 43:05
  Speaker 5: feels empty.
• 43:06
  Speaker 3: Without another story in it. And yeah, I just.
• 43:09
  Speaker 5: Feel like I'm so grateful to have been able to
• 43:11
  Speaker 5: bring to life exactly what I wanted. She's on the
• 43:13
  Speaker 5: money the book to be, but also that you know,
• 43:17
  Speaker 5: it's to me a gift, like it is like not
• 43:20
  Speaker 5: you know, buy for other people gift, but more just
• 43:22
  Speaker 5: like a gift of financial literacy, Like hopefully it encompasses
• 43:26
  Speaker 5: absolutely everything that young women need to feel financially secure
• 43:31
  Speaker 5: and know they're on the right path. I'm very acutely
• 43:33
  Speaker 5: aware that it's not the only financial book you'll ever need,
• 43:37
  Speaker 5: because I want you to learn more and absorb more,
• 43:39
  Speaker 5: and I'm never going to pretend to be absolutely everything
• 43:42
  Speaker 5: to everybody, But I hope that it is the right
• 43:45
  Speaker 5: start for people.
• 43:46
  Speaker 3: It is the right step.
• 43:47
  Speaker 5: In the right direction to give you the confidence that
• 43:49
  Speaker 5: you genuinely deserve to be financially successful. And you know,
• 43:53
  Speaker 5: I touch on everything, but it's not like this is
• 43:56
  Speaker 5: your guide to ultimate investing. But it will teach you
• 44:00
  Speaker 5: what you need to take into consideration and the next
• 44:02
  Speaker 5: steps and where to start, and how to understand your
• 44:05
  Speaker 5: risk profile. And you know, well, Sarah, how should you invest?
• 44:08
  Speaker 5: I don't tell you what to invest in, though, because
• 44:10
  Speaker 5: that's not my position. That's not my job. Only you
• 44:13
  Speaker 5: can decide that. So I think that it is one
• 44:15
  Speaker 5: of those things where you know, people are like, oh,
• 44:18
  Speaker 5: is this the be all end or finance book?
• 44:20
  Speaker 3: And I'm like, of.
• 44:21
  Speaker 5: Course not, Like I want people to read more and
• 44:24
  Speaker 5: educate themselves and have lots of different opinions, and you know,
• 44:27
  Speaker 5: even take what I say with a grain of salt,
• 44:29
  Speaker 5: because you should be, you know, always cautious. Like we're
• 44:32
  Speaker 5: talking about finance here, that's really personal. So I can't
• 44:36
  Speaker 5: be everything to everybody, but I hope that this book
• 44:39
  Speaker 5: can be everything you need to know to start.
• 44:42
  Speaker 3: I think it absolutely is.
• 44:43
  Speaker 4: It's such a comprehensive framework, and I love that it
• 44:45
  Speaker 4: does give it an overlay of really every area at
• 44:50
  Speaker 4: all different stages of your life that you would need
• 44:52
  Speaker 4: to think about and enough understanding to then know where
• 44:55
  Speaker 4: you would want to look if you did need to
• 44:56
  Speaker 4: go further into something. Yeah, what you said before is
• 44:59
  Speaker 4: really interesting that you're like, didn't include a lot of
• 45:01
  Speaker 4: the backstory we've discussed today because it's not helpful or
• 45:04
  Speaker 4: as I've spent most of my time on that. Because
• 45:06
  Speaker 4: you can get your actual financial knowledge and advice, which
• 45:09
  Speaker 4: is immeasurably important and invaluable. You can get that in
• 45:13
  Speaker 4: the book, and I think everyone should go and buy
• 45:15
  Speaker 4: the book and in the show notes. But I think
• 45:18
  Speaker 4: it is helpful to have heard your personal story as well,
• 45:21
  Speaker 4: because people will pick up this book now with some
• 45:23
  Speaker 4: context and know that you didn't wake up like this.
• 45:26
  Speaker 4: That She's on the money has definitely not been an
• 45:29
  Speaker 4: overnight success. It started as a Facebook group, and that's
• 45:32
  Speaker 4: a thing with anyone who has big dreams and big
• 45:34
  Speaker 4: visions and who does put you on a pedestal as
• 45:36
  Speaker 4: this incredibly high achieving, intelligent, warm author now honestly podcaster
• 45:44
  Speaker 4: Forbes thirty under thirty that you also started small. You
• 45:48
  Speaker 4: started not knowing where she's on the money would go.
• 45:51
  Speaker 4: You started through a Facebook group, a podcast with what
• 45:54
  Speaker 4: just one season, a podcast with two seasons. Like before
• 45:57
  Speaker 4: the book, there have been so many chapters before this
• 46:00
  Speaker 4: one to get here, And I love that you've taken
• 46:02
  Speaker 4: us through the fact that it's never too late. Really,
• 46:06
  Speaker 4: you can have had so many careers before you stumble
• 46:08
  Speaker 4: upon the thing that clearly you are now this was
• 46:10
  Speaker 4: your God given purpose on this air.
• 46:11
  Speaker 5: Oh absolutely, and I'm really grateful for that. And you
• 46:14
  Speaker 5: know it's not something that you think about, right you
• 46:18
  Speaker 5: see it now when you go, wow, it's so polished
• 46:20
  Speaker 5: and so professional.
• 46:21
  Speaker 3: Bit Sarah.
• 46:22
  Speaker 5: The first logo I made for my Facebook group, I
• 46:25
  Speaker 5: didn't know how to use Photoshop or any kind of
• 46:28
  Speaker 5: editing tools to create logos, and IM sure as hell
• 46:31
  Speaker 5: didn't have any money to pay for one. So I
• 46:33
  Speaker 5: made it on power Point with a free font that
• 46:36
  Speaker 5: I downloaded from the internet, and I made a hot
• 46:39
  Speaker 5: pink because what is better than hot pink? And then
• 46:41
  Speaker 5: I screenshot it and that became our logo. And I
• 46:44
  Speaker 5: just think that you know, if you want to do something.
• 46:47
  Speaker 5: It doesn't matter what it's going to not cost, like,
• 46:50
  Speaker 5: it just matters that you start and that you know,
• 46:54
  Speaker 5: the Polish logo can come later. But find your community,
• 46:57
  Speaker 5: find the people that you can love, and love them
• 47:00
  Speaker 5: hard because they will help you grow. And now you know,
• 47:03
  Speaker 5: I'm so grateful that, you know, I did get to
• 47:06
  Speaker 5: work with a designer at one point to bring together
• 47:09
  Speaker 5: our website and our logos and stuff, and they are
• 47:11
  Speaker 5: so much better than they used to be. But I'm
• 47:14
  Speaker 5: not embarrassed of the journey. I'm not embarrassed of what
• 47:17
  Speaker 5: they used to be. And I think that, you know,
• 47:20
  Speaker 5: there's this saying, and I'm not going to get this right,
• 47:22
  Speaker 5: but they say that if you're not embarrassed of the
• 47:24
  Speaker 5: first thing you put to market, like oh you didn't
• 47:26
  Speaker 5: start soon enough or something along those lines, and I
• 47:29
  Speaker 5: just look at it.
• 47:30
  Speaker 4: I always say that if you don't cringe, you're doing
• 47:31
  Speaker 4: it wrong, like it's meant to.
• 47:34
  Speaker 5: I get that, and you know what, my logo is
• 47:36
  Speaker 5: real cringey and like awful, But I wouldn't say ever
• 47:40
  Speaker 5: that I'm embarrassed of it, because that's part of my journey.
• 47:43
  Speaker 5: And like that girl that just wanted a Facebook group
• 47:46
  Speaker 5: to talk to her friends and these people, you know,
• 47:48
  Speaker 5: workshops about money. Like she did those things for the
• 47:51
  Speaker 5: right reason, and she's created this, and like we need
• 47:54
  Speaker 5: to be respectful of the journey as well. And that's
• 47:56
  Speaker 5: something I say about finance all the time, is you're
• 48:00
  Speaker 5: often too hard on ourselves for our past spending habits.
• 48:03
  Speaker 5: We are often too hard on ourselves for what we've
• 48:05
  Speaker 5: been through because you know, you might pick up this
• 48:08
  Speaker 5: book and go, okay, great, and thankfully I do cover
• 48:10
  Speaker 5: this in the book, so hopefully nobody experiences this.
• 48:13
  Speaker 3: But you pick up a finance book.
• 48:15
  Speaker 5: And go, oh my gosh, I've been doing it so wrong.
• 48:17
  Speaker 5: I feel so bad, I've wasted so much money, or
• 48:19
  Speaker 5: I'm in so much debt, or I can't believe I
• 48:21
  Speaker 5: did that. I'm so silly, I'm so stupid. And it's
• 48:24
  Speaker 5: just not how we should be treating ourselves. Like past
• 48:27
  Speaker 5: you did absolutely everything they could with the tools and
• 48:29
  Speaker 5: resources they had at the time. Just because you have
• 48:32
  Speaker 5: new tools and new resources and your new vision doesn't
• 48:35
  Speaker 5: mean that you did the wrong thing at the time
• 48:37
  Speaker 5: for you. And that person has created today's person. So
• 48:40
  Speaker 5: I think we need to genuinely honor them and care
• 48:43
  Speaker 5: for them and really put them first, because if we
• 48:46
  Speaker 5: look backwards, it doesn't serve us in any way, shape
• 48:49
  Speaker 5: or form. So I think that the guilt that we
• 48:51
  Speaker 5: feel over, you know, the debt we're in, it's just
• 48:54
  Speaker 5: unnecessary and it doesn't serve us. There's no guilt, there's
• 48:57
  Speaker 5: no shame, there's nothing in it. It just is part
• 48:59
  Speaker 5: of your money story. And that's pretty cool because it
• 49:02
  Speaker 5: doesn't have to remain your money story. You get to
• 49:04
  Speaker 5: change that, and that's awesome.
• 49:15
  Speaker 4: I actually applied so much of that and those chapters
• 49:18
  Speaker 4: about your money story and neuroplasticity and rewiring the beliefs
• 49:21
  Speaker 4: and approach you have to your financial health and freedom
• 49:26
  Speaker 4: and how you can at any time of your life
• 49:28
  Speaker 4: change the pathway that you're on. I applied that so
• 49:30
  Speaker 4: much to career and joy and fulfillment because again, because
• 49:35
  Speaker 4: we're so instana gratuity based, we want to get to
• 49:37
  Speaker 4: the passionate job and dream life. I think everyone wants
• 49:40
  Speaker 4: to rush there. They want to have a book, they
• 49:42
  Speaker 4: want to have a number one podcast, they want to
• 49:45
  Speaker 4: have everything now, but they forget that if you had
• 49:48
  Speaker 4: had the idea for she's on the money as it
• 49:50
  Speaker 4: is right now, but ten years ago and skipped to
• 49:53
  Speaker 4: the whole psychology chapter and you would have been too young,
• 49:57
  Speaker 4: Like it wouldn't have worked. So you're actually not meant
• 49:59
  Speaker 4: to skip any of those chapters. Nothing is ever a
• 50:02
  Speaker 4: waste if you learn something, and there's something about the
• 50:05
  Speaker 4: passage of time that actually makes the dream possible. If
• 50:08
  Speaker 4: you tried any earlier, the world might not have been
• 50:11
  Speaker 4: ready for it.
• 50:12
  Speaker 5: It just wasn't going to work. Like you are exactly
• 50:14
  Speaker 5: where you are supposed to be. And I think that
• 50:16
  Speaker 5: I always get, you know, a lot of solace out
• 50:19
  Speaker 5: of that, because sometimes life is hard, and you know,
• 50:22
  Speaker 5: like now that I've quote made it, which lots of
• 50:25
  Speaker 5: people say, like Forbes thirty under thirty like way to
• 50:27
  Speaker 5: put more pressure on.
• 50:28
  Speaker 3: Me, guys, Oh my gosh. People are like, well where
• 50:33
  Speaker 3: to next?
• 50:33
  Speaker 5: I'm like, I don't know, Like I was in bed,
• 50:38
  Speaker 5: I don't know what am I supposed to do now,
• 50:40
  Speaker 5: Like you guys are putting so much pressure on me
• 50:42
  Speaker 5: to perform now, And I think that you don't see
• 50:45
  Speaker 5: it from that aspect, but I think that the solace
• 50:48
  Speaker 5: in knowing that I'm exactly where I need to be
• 50:50
  Speaker 5: right now in this moment and that I you know,
• 50:53
  Speaker 5: am serving my purpose and you know, I just want
• 50:56
  Speaker 5: to live every day as me and that is you know,
• 51:00
  Speaker 5: that's what I prioritize.
• 51:02
  Speaker 3: And I think that you know.
• 51:03
  Speaker 5: People always like, oh my gosh, like you must hustle
• 51:05
  Speaker 5: so hard. Yeah, Like I guess I work a lot,
• 51:09
  Speaker 5: but like I also really love a wine on the
• 51:12
  Speaker 5: couch with my partner. And I've got two cats and
• 51:14
  Speaker 5: a dog and I just love spending time with them.
• 51:16
  Speaker 5: And you know, I love spending time with my parents
• 51:19
  Speaker 5: and my sister. And you know it's I'm not who
• 51:22
  Speaker 5: people seem to think I am. And I think that
• 51:24
  Speaker 5: that's a really important thing to remember that we've all
• 51:27
  Speaker 5: got lives outside of what you see on social media
• 51:29
  Speaker 5: and what you hear on a podcast, and you know,
• 51:32
  Speaker 5: nothing happens overnight. Like I didn't just end up with
• 51:34
  Speaker 5: this massive podcast where you know, millions of people listen
• 51:38
  Speaker 5: and thankfully I'm really grateful for this week and put
• 51:40
  Speaker 5: advertising on and you know, create a revenue stream from
• 51:43
  Speaker 5: that so I can employ people, like I had to
• 51:46
  Speaker 5: pay for the first season. It was really expensive. It
• 51:50
  Speaker 5: was really expensive, and I didn't know that you could
• 51:52
  Speaker 5: do podcast advertising. I remember when I first got approached
• 51:55
  Speaker 5: and I was like, what you can do?
• 51:57
  Speaker 3: What I can make? I can break Eve Like you're
• 52:00
  Speaker 3: very joking. I just remember that was never the intention.
• 52:04
  Speaker 5: I didn't even know that was an opportunity. And to
• 52:06
  Speaker 5: be honest, I think that in a space where we
• 52:08
  Speaker 5: are talking about money, had I had that intention, it
• 52:11
  Speaker 5: just wouldn't have worked anyway. So I think that my
• 52:14
  Speaker 5: naivity at that time actually served us really.
• 52:17
  Speaker 4: Well, which is also a very very common theme in
• 52:21
  Speaker 4: this podcast that actually naivity sometimes is better because otherwise
• 52:25
  Speaker 4: you would overthink it with too much knowledge and awareness,
• 52:27
  Speaker 4: like maybe you wouldn't rip the band aid the same.
• 52:29
  Speaker 3: Way that you did.
• 52:30
  Speaker 4: Literally, well, I do actually want to ask you about
• 52:34
  Speaker 4: that whole productivity pressure, and I have a tiny bit
• 52:37
  Speaker 4: deeper into your identity outside if she's on the money,
• 52:40
  Speaker 4: because I think it is really important that we all
• 52:42
  Speaker 4: have a plata. As you know.
• 52:43
  Speaker 3: But six days out at.
• 52:45
  Speaker 4: The time of recording from this beautiful book actually coming
• 52:48
  Speaker 4: into the.
• 52:48
  Speaker 3: World, it's wild.
• 52:49
  Speaker 5: It's less than a I believe, I feel like I'm
• 52:52
  Speaker 5: having a baby.
• 52:53
  Speaker 3: You are actually.
• 52:54
  Speaker 4: Actually that is actually what you're doing, except that more
• 52:57
  Speaker 4: people are going to touch it and feel it and
• 52:59
  Speaker 4: have it in there homes than your actual child.
• 53:01
  Speaker 5: There's actually no pain, like I don't have to go
• 53:04
  Speaker 5: through the birthing process.
• 53:05
  Speaker 3: You kind of worry though you've had a long pregnancy. Yeah,
• 53:08
  Speaker 3: I cried a lot. I think it is no.
• 53:12
  Speaker 4: Shit, the book that we all need so much, Like
• 53:15
  Speaker 4: it is filling a gap that you can safely say,
• 53:18
  Speaker 4: which not many authors can say that you're actually putting
• 53:20
  Speaker 4: something out into the world that doesn't exist and that
• 53:22
  Speaker 4: speaks to a whole huge portion of the world's population
• 53:27
  Speaker 4: in a way that no one else speaks to them.
• 53:28
  Speaker 4: Would you so exciting if you had to distill, just
• 53:31
  Speaker 4: quickly for us the three biggest tips you would say
• 53:36
  Speaker 4: to a financial newbie and the three biggest myths that
• 53:40
  Speaker 4: you bust or the myths that you hear constantly, what
• 53:44
  Speaker 4: would they be? Just as a little taster, no crush,
• 53:47
  Speaker 4: I know, I know, because obviously people can go and
• 53:51
  Speaker 4: get you know, do their own further research and listen
• 53:53
  Speaker 4: to the pod and buy the book, which of course
• 53:54
  Speaker 4: we want them to do.
• 53:55
  Speaker 5: But just a taster, Okay. So I think the first
• 53:57
  Speaker 5: thing is understanding your money story. It is the first
• 54:00
  Speaker 5: in my book. And if you don't understand who you
• 54:03
  Speaker 5: are and where you want to go and where you're
• 54:06
  Speaker 5: coming from. How on earth do you think you're going
• 54:09
  Speaker 5: to get anywhere? Like you were going to fall off
• 54:11
  Speaker 5: track if you start budgeting like somebody else because that's
• 54:14
  Speaker 5: their plan, is not your plan. And I think that
• 54:16
  Speaker 5: understanding your money story and giving yourself time to process
• 54:19
  Speaker 5: why your thoughts, values, beliefs, and behaviors around money are
• 54:23
  Speaker 5: the way they are is really going to serve you well.
• 54:26
  Speaker 5: And I think a lot of people would have just
• 54:28
  Speaker 5: jumped into like here's a hot money tip in mind's
• 54:30
  Speaker 5: like just understand you like that that's a Victoria thing
• 54:34
  Speaker 5: to do, So that would be hot tip number one.
• 54:38
  Speaker 5: Hot tap number two is to understand your budget and
• 54:41
  Speaker 5: cash flow and stop seeing your budget as restrictive and
• 54:44
  Speaker 5: start seeing it as a way that you can personally
• 54:48
  Speaker 5: make sure that your money is flowing in line with
• 54:50
  Speaker 5: your values and your beliefs. Like, how cool is it
• 54:53
  Speaker 5: that we get to make sure that that comes to life,
• 54:56
  Speaker 5: Like we have an opportunity here. It's not about saying, oh, well,
• 55:00
  Speaker 5: next week, I'm only going to spend seventy dollars on
• 55:02
  Speaker 5: groceries because I read that that was a pretty good number. Like, sorry,
• 55:06
  Speaker 5: if food spucks your joy, and that is the one
• 55:08
  Speaker 5: thing that you adore, and you know, my partner and
• 55:11
  Speaker 5: I love cooking and I love food. Like if you
• 55:13
  Speaker 5: said I really had seventy dollars in a week, I'd
• 55:15
  Speaker 5: be like, hi, Sarah, So you can just put that
• 55:18
  Speaker 5: opinion right in the bin over there and put that
• 55:21
  Speaker 5: straight outside.
• 55:22
  Speaker 3: Because I couldn't do that. You might, because you might
• 55:25
  Speaker 3: have other.
• 55:26
  Speaker 5: Values and things that you're working towards, but I don't
• 55:28
  Speaker 5: want you to take those things off me. And that's
• 55:30
  Speaker 5: why in the book, I never talk about percentages, and frustratingly,
• 55:34
  Speaker 5: I'm sorry, I don't say things like, oh, well, you
• 55:36
  Speaker 5: need to save twenty percent of your income, because that's
• 55:40
  Speaker 5: really unfair. What if you earn forty thousand dollars and
• 55:43
  Speaker 5: you have a child, like you can't save twenty percent
• 55:47
  Speaker 5: and that's a really unfair expectation that I'd put on you.
• 55:50
  Speaker 5: Whereas conversely, if someone reads this and they earn four
• 55:52
  Speaker 5: hundred thousand dollars, you best believe I'd be expecting them
• 55:55
  Speaker 5: to save a lot more than twenty percent because their
• 55:57
  Speaker 5: cash flow is so high. So it is not fair
• 56:01
  Speaker 5: to put percentages on people. And that's why I want
• 56:04
  Speaker 5: you to understand your budget. And a budget is not
• 56:07
  Speaker 5: a spending plan. It is not a you know, a
• 56:10
  Speaker 5: reflection of how much you're allocating to each area. It's
• 56:13
  Speaker 5: actually understanding what's coming into your bank account and what's
• 56:16
  Speaker 5: going out of your bank account and whether it flows
• 56:18
  Speaker 5: in line with your values. And then the third thing
• 56:21
  Speaker 5: is a bit of a pivot from there, and that's
• 56:23
  Speaker 5: understanding your superannuation. And your super is so powerful, like
• 56:28
  Speaker 5: your super is literally you guys at this point in
• 56:32
  Speaker 5: time investing a minimum of nine point five percent each
• 56:35
  Speaker 5: and every single month, Like not many of us could
• 56:37
  Speaker 5: say that we've been doing that since we started working,
• 56:39
  Speaker 5: when in reality, that's what we are doing. And it
• 56:41
  Speaker 5: is your money and you need to care about it,
• 56:44
  Speaker 5: and you need to make sure that it is working
• 56:46
  Speaker 5: in line with your values, but also that it is
• 56:48
  Speaker 5: working as hard as you do for it. Yeah, you
• 56:51
  Speaker 5: can't touch it until you retire, but that's what's going
• 56:53
  Speaker 5: to prop up your retirement. So we need to start
• 56:56
  Speaker 5: caring about that now.
• 56:58
  Speaker 3: Because you know, a.
• 56:59
  Speaker 5: Good exam and I do use this in the book,
• 57:02
  Speaker 5: is if you started investing five hundred dollars a month
• 57:04
  Speaker 5: as a twenty year old. At the time you retire,
• 57:07
  Speaker 5: you'd have an investment portfolio worth one point two million dollars.
• 57:10
  Speaker 5: And that one point two million dollars if you had
• 57:13
  Speaker 5: only saved five hundred dollars a month, you would have
• 57:15
  Speaker 5: two hundred and forty thousand dollars. But you could literally
• 57:19
  Speaker 5: have essentially a million dollars more if it was invested
• 57:22
  Speaker 5: instead of just saved. And the special thing about a
• 57:26
  Speaker 5: one point two million dollar portfolio is that it will
• 57:30
  Speaker 5: generate your passive income or average of sixty thousand dollars,
• 57:34
  Speaker 5: Like what you're going to have a passive income of
• 57:36
  Speaker 5: sixty grand when you retire if you just start saving
• 57:39
  Speaker 5: like five hundred bucks a month, that's wild. But if
• 57:42
  Speaker 5: I then said the same thing and said, hey, Sarah,
• 57:44
  Speaker 5: do you want to retire with one point two million dollars?
• 57:46
  Speaker 5: But you know you haven't really prioritized it and you're
• 57:48
  Speaker 5: now fifty, great, Like, let's work towards that. Have you
• 57:51
  Speaker 5: got seven and a half thousand dollars a month to.
• 57:54
  Speaker 3: Say, like, can you do that? It's wild?
• 57:57
  Speaker 5: The difference between putting it first and really understanding it
• 58:00
  Speaker 5: while we're young means we just make a few small changes,
• 58:03
  Speaker 5: set up some really good habits, and keep consistent with
• 58:06
  Speaker 5: those habits. Whereas if I get to you too late,
• 58:10
  Speaker 5: well we actually have to be really aggressive, and at
• 58:12
  Speaker 5: that point we have to significantly compromise our lifestyles and
• 58:16
  Speaker 5: sell assets that we might have, and you know, create
• 58:19
  Speaker 5: a way to make that work. And nobody has seven
• 58:21
  Speaker 5: and a half thousand dollars of free cash flow to invest.
• 58:24
  Speaker 5: So I think it is really important to start prioritizing
• 58:27
  Speaker 5: Souper now because that's what it can do for you.
• 58:29
  Speaker 3: Like, that's pretty sexy if you ask me.
• 58:31
  Speaker 4: Oh my god, you have Like that was my favorite chapter.
• 58:35
  Speaker 4: I was reading it like shrinking into my chair a
• 58:37
  Speaker 4: little bit because you do it in such a non
• 58:40
  Speaker 4: judgmental way. I wasn't feeling any shame, but I was
• 58:42
  Speaker 4: like Jesus Christ, oh.
• 58:44
  Speaker 5: My, And like the example of doing it at twenty
• 58:49
  Speaker 5: is it even makes me feel a little bit attacked
• 58:52
  Speaker 5: because I definitely wasn't saving five hundred dollars. I'm kind
• 58:56
  Speaker 5: of like, hey, here's this missed opportunity that I missed.
• 58:59
  Speaker 3: That I hope you do.
• 59:02
  Speaker 5: But it's really important to understand why we're doing these
• 59:06
  Speaker 5: things because so many times people are like, oh, retirement,
• 59:08
  Speaker 5: I don't care about.
• 59:09
  Speaker 3: That, but yeah, sure, yeah.
• 59:12
  Speaker 5: And we look at our parents and go that so
• 59:14
  Speaker 5: far off. But if you ask them, hey, do you
• 59:17
  Speaker 5: remember when you were thirty, they'll be like, oh, like
• 59:18
  Speaker 5: it was yesterday, Like time flies, and you know, future
• 59:22
  Speaker 5: us need to be cared for, like it's it's crazy,
• 59:26
  Speaker 5: and yeah.
• 59:27
  Speaker 4: And what about the myths that you hear or just
• 59:29
  Speaker 4: more like the most common thing that people sort of.
• 59:32
  Speaker 5: Look, I've got a good myth for you, and that
• 59:34
  Speaker 5: is that you need a good credit score, and to
• 59:37
  Speaker 5: get a good credit score, you need to have credit cards.
• 59:41
  Speaker 5: And that is absolutely not true. So to get a
• 59:45
  Speaker 5: good credit score, you just need to pay your debts
• 59:47
  Speaker 5: and you know, make sure that you don't default on
• 59:49
  Speaker 5: your phone plan and make sure that all the bills
• 59:51
  Speaker 5: that you get are paid on time and consistently. I
• 59:54
  Speaker 5: think it's really interesting and it's such an American idea
• 59:58
  Speaker 5: that you need to have a credit card to develop
• 1:00:01
  Speaker 5: a credit score is absolutely not the case. And too
• 1:00:03
  Speaker 5: many times do people fall down this slippery slope of
• 1:00:06
  Speaker 5: getting it because they're like, oh, but one day I
• 1:00:08
  Speaker 5: want to buy a house and I want to have
• 1:00:09
  Speaker 5: good credit, and it's actually putting you behind because having
• 1:00:11
  Speaker 5: a credit card is actually a reflection of the fact
• 1:00:14
  Speaker 5: that you're not that good at prioritizing your budget and
• 1:00:17
  Speaker 5: saving for things, and that's actually not that sexy. And yeah,
• 1:00:21
  Speaker 5: I think that that's something that a lot of us
• 1:00:23
  Speaker 5: still believe in. And the second about buy now, pay later.
• 1:00:27
  Speaker 5: I know that there's a lot going around at the
• 1:00:29
  Speaker 5: moment about how quote doesn't impact your credit score, and
• 1:00:32
  Speaker 5: they're running myth busting. Literally it's doing me up the
• 1:00:36
  Speaker 5: wall because they are running myth busting advertising campaigns where
• 1:00:41
  Speaker 5: they're like, oh, it's a myth that this product actually
• 1:00:44
  Speaker 5: impacts your credit score, and you're like, they're not wrong
• 1:00:48
  Speaker 5: in that it only impacts your credit score if you
• 1:00:51
  Speaker 5: default on a payment, which happens a lot, if you
• 1:00:54
  Speaker 5: let it get out of hand, and it's only going
• 1:00:57
  Speaker 5: to impact you negatively if you actually aren't using it properly,
• 1:01:01
  Speaker 5: or you find yourself not able to make that month's
• 1:01:03
  Speaker 5: repayments and it's just a little irresponsible. So for me,
• 1:01:07
  Speaker 5: that is a myth that does impact your credit score,
• 1:01:10
  Speaker 5: because too many times we miss a payment or forget
• 1:01:12
  Speaker 5: to transfer money into the account that it's direct debited from,
• 1:01:14
  Speaker 5: and most of the time we're not trying to do
• 1:01:16
  Speaker 5: the wrong thing. We just slipped up and that does
• 1:01:19
  Speaker 5: get tracked. But when it comes to getting a mortgage,
• 1:01:23
  Speaker 5: if that's aligned to your values getting a mortgage, they
• 1:01:26
  Speaker 5: do look at by now pay later schemes and platforms.
• 1:01:29
  Speaker 5: They see it as you not being able to manage
• 1:01:31
  Speaker 5: your cash flow. So it's as much as it might
• 1:01:34
  Speaker 5: not impact your credit history, it is definitely on your
• 1:01:37
  Speaker 5: bank statements and banks when they are giving your mortgage
• 1:01:40
  Speaker 5: review all of that. So for me, I think that
• 1:01:43
  Speaker 5: those are probably two myths. I can't think of another
• 1:01:46
  Speaker 5: one off the top of my head.
• 1:01:47
  Speaker 4: I've got a third statistic or what is that. It's
• 1:01:50
  Speaker 4: from that section which I found really interesting along with
• 1:01:53
  Speaker 4: that myth busting about that the American perception of needing
• 1:01:56
  Speaker 4: a credit card was that I can't remember the exact statistic,
• 1:01:59
  Speaker 4: but just the buying behavior when you have a credit card,
• 1:02:02
  Speaker 4: that the average purchase on a credit card is like
• 1:02:05
  Speaker 4: one hundred and four dollars something, but if you did
• 1:02:08
  Speaker 4: it on an f POS card, it's like fourteen dollars.
• 1:02:10
  Speaker 4: So the mentality of having a credit card is that
• 1:02:13
  Speaker 4: you spend like you just spend times as much, yeah,
• 1:02:17
  Speaker 4: as money, when it's your money that you have to
• 1:02:19
  Speaker 4: have in that account and how bizar Like you think
• 1:02:22
  Speaker 4: you're on an even playing field that you'll get you
• 1:02:24
  Speaker 4: you know, your points, but you'll pay it off from
• 1:02:26
  Speaker 4: the cash that you've got, and it doesn't operate that way.
• 1:02:29
  Speaker 5: And that's crazy, right, Like I feel like it's actually
• 1:02:32
  Speaker 5: crazy that you know, so many times we just don't
• 1:02:37
  Speaker 5: assume that, Like if you've got a credit card, you'd
• 1:02:39
  Speaker 5: be like, I'm not spending more, but I guarantee you
• 1:02:41
  Speaker 5: if I made you get one hundred dollars out of
• 1:02:44
  Speaker 5: the bank and that was how much you only had
• 1:02:46
  Speaker 5: in your hands to spend all the groceries this week,
• 1:02:49
  Speaker 5: you would be so much more conscious walking around to
• 1:02:51
  Speaker 5: the supermarket picking up things and putting it in your
• 1:02:53
  Speaker 5: trolley because you know that's all you've got, Whereas when
• 1:02:56
  Speaker 5: you have a credit card, you're like, oh whatever, like
• 1:02:58
  Speaker 5: it's not a thing, Like I don't mind you, Like
• 1:03:00
  Speaker 5: I've got this budget in my head and like hopefully
• 1:03:02
  Speaker 5: it's about that. But you just have a different mentality
• 1:03:05
  Speaker 5: and it is a different mindset, and yeah, it's really
• 1:03:08
  Speaker 5: frustrating because you just frustrate you feel a bit stooged.
• 1:03:13
  Speaker 3: Yea.
• 1:03:15
  Speaker 4: Oh well, our very last section is Playta as I
• 1:03:18
  Speaker 4: mentioned before, where I would love to talk about all
• 1:03:20
  Speaker 4: the things that all the sides of you that aren't
• 1:03:22
  Speaker 4: finance related. And it's hard when your job and your
• 1:03:25
  Speaker 4: passion is something that does touch kind of areas of
• 1:03:28
  Speaker 4: everyday life, like literally everything could give you a new idea,
• 1:03:31
  Speaker 4: and you have to live on the Internet and on
• 1:03:34
  Speaker 4: social media to you know, keep up with your job,
• 1:03:36
  Speaker 4: which means it similar to me, like we're always looking
• 1:03:39
  Speaker 4: for the idea in something because we're aware a type
• 1:03:41
  Speaker 4: personalities that love to just deliver to our audience. And
• 1:03:44
  Speaker 4: you mentioned before that productivity pressure as well as a book.
• 1:03:47
  Speaker 4: You've just started two more podcasts on top of that
• 1:03:51
  Speaker 4: that you already do for the one that you have,
• 1:03:54
  Speaker 4: Like we literally have.
• 1:03:55
  Speaker 5: A podcast to day now.
• 1:03:57
  Speaker 4: It is insane, and you've just got a new platform
• 1:04:01
  Speaker 4: that you developed.
• 1:04:02
  Speaker 3: You have one every day.
• 1:04:03
  Speaker 5: So between all three podcasts, we've got Monday, Wednesday, Friday
• 1:04:07
  Speaker 5: where She's on the Money. You've got the Property Playbook
• 1:04:09
  Speaker 5: on Tuesdays and the Business Bible on Thursdays.
• 1:04:12
  Speaker 3: Wow.
• 1:04:13
  Speaker 4: So this section is redundant because it's like, wait, there
• 1:04:15
  Speaker 4: are no minutes left for her to do anything.
• 1:04:18
  Speaker 3: House, Oh my gosh, no.
• 1:04:19
  Speaker 5: And then we do bonus episodes because they just get
• 1:04:22
  Speaker 5: too excited and like, oh my gosh, can we put
• 1:04:24
  Speaker 5: this up? And my team are literally they are angels
• 1:04:27
  Speaker 5: and they look after me so well. But I am
• 1:04:29
  Speaker 5: absolutely certain that they don't like me because.
• 1:04:35
  Speaker 4: But this is a hard thing as well. When you
• 1:04:36
  Speaker 4: love what you do and you actually genuinely get excited
• 1:04:39
  Speaker 4: about the content that you're creating, that gives you even
• 1:04:41
  Speaker 4: less incentive to have space in your life outside of
• 1:04:44
  Speaker 4: it exactly.
• 1:04:45
  Speaker 3: So how do you do that, like, especially.
• 1:04:48
  Speaker 4: When the momentum from your community, like there's actual demand.
• 1:04:52
  Speaker 4: You know, some people have trouble with productivity and rest
• 1:04:55
  Speaker 4: and downtime even when there's not literal dms like when.
• 1:04:58
  Speaker 3: Is the next episode coming down? Actually?
• 1:05:01
  Speaker 4: How do you do things that are just for joy
• 1:05:03
  Speaker 4: and that are separate from finance and separate from podcasting
• 1:05:06
  Speaker 4: and that are just for you.
• 1:05:07
  Speaker 5: Yeah, you have to plan it right, like, you have
• 1:05:09
  Speaker 5: to actually make it planned.
• 1:05:11
  Speaker 3: And you know, I used to be that person.
• 1:05:14
  Speaker 5: That put a lot of pressure on myself and I
• 1:05:16
  Speaker 5: got up at four thirty in the morning, and I'd
• 1:05:17
  Speaker 5: go to the gym and then I'd be at work
• 1:05:19
  Speaker 5: by seven, and I would run my life very like clockwork.
• 1:05:23
  Speaker 5: But I wasn't that happy. And now you best believe
• 1:05:26
  Speaker 5: I do not show up to the office until at
• 1:05:28
  Speaker 5: least ten thirty most mornings.
• 1:05:29
  Speaker 3: And ooh, that's amazing.
• 1:05:32
  Speaker 5: My partner and I prioritize making sure that we go
• 1:05:36
  Speaker 5: for a walk every morning and get a coffee. And
• 1:05:38
  Speaker 5: I was saying to you before we started recording that
• 1:05:41
  Speaker 5: we've got a dog, Lucy, and we got her in December,
• 1:05:44
  Speaker 5: and you know, we don't ask her if she wants
• 1:05:47
  Speaker 5: to go for walks like everybody else's dog. We'll say
• 1:05:50
  Speaker 5: do you want to go for a walk, and she'd
• 1:05:51
  Speaker 5: just look at you like what are you talking about?
• 1:05:52
  Speaker 5: But if you say, Lucy, do you want to go
• 1:05:54
  Speaker 5: for coffee? Like she loses it and runs to the
• 1:05:56
  Speaker 5: front door. Because that's stephen My thing. Like we go
• 1:05:59
  Speaker 5: for a coffee in a walk every single morning, Like
• 1:06:02
  Speaker 5: we do this five k walk together and it's always
• 1:06:04
  Speaker 5: the same loop because we're really boring, but we also
• 1:06:07
  Speaker 5: have it well timed and that's our time to have
• 1:06:10
  Speaker 5: a chat in the mornings and set up our days
• 1:06:12
  Speaker 5: well and just enjoy it. And I do work really late,
• 1:06:15
  Speaker 5: and I think our community sees that, but it's not
• 1:06:18
  Speaker 5: because I'm working twenty four to seven. It's because I've
• 1:06:20
  Speaker 5: come in late and enjoyed my morning. And you know,
• 1:06:24
  Speaker 5: lockdown has definitely and COVID has definitely got in the
• 1:06:26
  Speaker 5: way of me being able to seize the things that
• 1:06:29
  Speaker 5: I love doing and being able to do them. But
• 1:06:32
  Speaker 5: when COVID's not a thing, I want to go back
• 1:06:35
  Speaker 5: to playing netball on Wednesday night. I play socially terribly,
• 1:06:41
  Speaker 5: mind you. Like I play center and like there is
• 1:06:44
  Speaker 5: no way, absolutely no way that anybody would ask me
• 1:06:49
  Speaker 5: to be on their team. But I'm small and I'm
• 1:06:53
  Speaker 5: pretty good at running, so I feel like I make
• 1:06:55
  Speaker 5: a pretty good center.
• 1:06:57
  Speaker 3: Like I'm there, I mean just like the core of
• 1:06:59
  Speaker 3: the team, like holding up the whole team.
• 1:07:01
  Speaker 5: Yeah, I wouldn't call it the core. I'm like the
• 1:07:04
  Speaker 5: little one that runs around and I'm definitely not tall
• 1:07:06
  Speaker 5: enough to be a shooter or even a defender. So
• 1:07:09
  Speaker 5: I think I just ended up with that position because
• 1:07:12
  Speaker 5: they were like, oh, well, she needs to be on
• 1:07:13
  Speaker 5: the team, but like we're not putting her in that ring.
• 1:07:16
  Speaker 5: So but she could be the treasurer, so yeah, yeah,
• 1:07:19
  Speaker 5: yeah we need her, So yeah, I do that. And
• 1:07:24
  Speaker 5: speaking of treasurer, I'm the treasure out for a charity
• 1:07:27
  Speaker 5: TLC for and I've done it for more than a
• 1:07:31
  Speaker 5: year now. And yeah, Tim is.
• 1:07:35
  Speaker 3: He's so special.
• 1:07:36
  Speaker 5: He's one of those people that you meet and you
• 1:07:39
  Speaker 5: just are like are you a unicorn?
• 1:07:41
  Speaker 3: Like how do you? How do you care? So much?
• 1:07:44
  Speaker 5: Like He's just such a beautiful person and I'm so
• 1:07:47
  Speaker 5: grateful to be able to do that. So I do
• 1:07:48
  Speaker 5: that in my spare time as well. That's literally just
• 1:07:52
  Speaker 5: a passion Like TLC is a charity for sick children,
• 1:07:55
  Speaker 5: and I'm just so passionate about everything they do and
• 1:07:59
  Speaker 5: so proud of being, you know, a part of their team,
• 1:08:02
  Speaker 5: and you know, just to be young as well and
• 1:08:04
  Speaker 5: on that feels really special because I don't think that
• 1:08:08
  Speaker 5: that's an opportunity that you know, I ever thought would
• 1:08:11
  Speaker 5: be extended to me, like to sit on a board,
• 1:08:13
  Speaker 5: Like what.
• 1:08:14
  Speaker 3: Who am I? You're so fancy?
• 1:08:16
  Speaker 4: I talked about the pedestal at the start, you're literally
• 1:08:18
  Speaker 4: like getting even higher.
• 1:08:20
  Speaker 3: Yeah, but it's not the case.
• 1:08:21
  Speaker 5: It is not the case, like I do that, you
• 1:08:24
  Speaker 5: know on the weekends, Like I love hanging out with
• 1:08:26
  Speaker 5: my family, I love cooking. I am terrible at reforma pilates,
• 1:08:31
  Speaker 5: but religiously go. I'm that person that they're like, oh,
• 1:08:34
  Speaker 5: if you could just fix this, and I'm always like,
• 1:08:36
  Speaker 5: stop it, Like I suck. I know I suck, like
• 1:08:39
  Speaker 5: and I know you know I stuck because I've been
• 1:08:41
  Speaker 5: coming here forever. But this is my joy, So just
• 1:08:44
  Speaker 5: leave me alone. Yeah, if you could just leave me alone.
• 1:08:46
  Speaker 5: I'm just trying to be helpy.
• 1:08:50
  Speaker 3: Oh I love it.
• 1:08:51
  Speaker 5: I genuinely don't have as much time as I would
• 1:08:54
  Speaker 5: like to have free. But as my team grows, you know,
• 1:08:58
  Speaker 5: I'm finding that I'm able to take my hands off
• 1:09:00
  Speaker 5: things as much as I could. Like twelve months ago,
• 1:09:04
  Speaker 5: I never ever could have, you know, come into the
• 1:09:06
  Speaker 5: office at ten thirty in the morning. But now I'm, yeah,
• 1:09:10
  Speaker 5: creating the life that I want to live. And you know,
• 1:09:12
  Speaker 5: I'm grateful that I get to do that. But I
• 1:09:14
  Speaker 5: also get to extend that to my team, and you know,
• 1:09:16
  Speaker 5: knowing that they get to I just want them to
• 1:09:19
  Speaker 5: do their work, so like they get to come and go.
• 1:09:21
  Speaker 5: I feel like we've got this little team of people
• 1:09:23
  Speaker 5: who are passionate about She's on the money, but also
• 1:09:26
  Speaker 5: have lives outside of She's.
• 1:09:28
  Speaker 3: On the money.
• 1:09:28
  Speaker 5: I don't want everything to revolve around that, except.
• 1:09:31
  Speaker 4: You've created such a beautiful environment when you know that
• 1:09:34
  Speaker 4: they probably do want everything.
• 1:09:35
  Speaker 3: In their life to revolve around that way.
• 1:09:37
  Speaker 5: They are so kind to Honestly, I am so grateful
• 1:09:40
  Speaker 5: for all of them. And yeah, like being in lockdown,
• 1:09:44
  Speaker 5: especially for the fourth time, it just reminds us. We
• 1:09:47
  Speaker 5: always like we're itching to get back to the office
• 1:09:50
  Speaker 5: to be together, to just hang out together, because we're
• 1:09:52
  Speaker 5: more creative together. We you know, vibe off each other
• 1:09:55
  Speaker 5: and just enjoy it. And the office dog Lucy, she
• 1:09:58
  Speaker 5: comes in every day and she he's got her own
• 1:10:01
  Speaker 5: like basket and hangs out and yeah, everyone just gets along.
• 1:10:05
  Speaker 5: And it's definitely not a high pressure environment at all,
• 1:10:08
  Speaker 5: and I think it keeps you humble and keeps you
• 1:10:11
  Speaker 5: really down to worth because like when something fancy happens,
• 1:10:14
  Speaker 5: and I'm very grateful It's happened a lot recently, like
• 1:10:18
  Speaker 5: with Forbes, and there's been a lot of news articles
• 1:10:20
  Speaker 5: that have featured us. My team always like, oh, you're
• 1:10:23
  Speaker 5: a whanker, like this article, like if only they knew
• 1:10:26
  Speaker 5: the real you, And to be honest, I wouldn't change
• 1:10:28
  Speaker 5: it for the world. Like I don't want people to
• 1:10:30
  Speaker 5: think that I'm some fancy person, Like I'm normal. I'm
• 1:10:33
  Speaker 5: down to earth and like yeah, like I'm just trying
• 1:10:37
  Speaker 5: to pay my mortgage.
• 1:10:38
  Speaker 4: Guys, congratulations on having one. By the way, we saw that,
• 1:10:46
  Speaker 4: Or just to finish out, what are three interesting things
• 1:10:48
  Speaker 4: about you that don't normally come up in conversation And
• 1:10:51
  Speaker 4: I'm going to have to say that they cannot be
• 1:10:53
  Speaker 4: finance related.
• 1:10:55
  Speaker 5: Well, there's nothing interesting when it comes to finance.
• 1:10:58
  Speaker 3: You would do that as a job. You have shit
• 1:11:01
  Speaker 3: to talk about money? What have we got?
• 1:11:06
  Speaker 5: I don't know what makes me interesting?
• 1:11:08
  Speaker 4: So many things, so many things. And can I also
• 1:11:11
  Speaker 4: just say, as a little aside, having met when we
• 1:11:14
  Speaker 4: were both at very different stages, I have always had
• 1:11:18
  Speaker 4: this sense that you are going places and you have
• 1:11:21
  Speaker 4: such a passionate energy about what you do, and it's
• 1:11:24
  Speaker 4: so satisfying And I don't know quite how to describe
• 1:11:29
  Speaker 4: the feeling though, to see that all that energy and
• 1:11:32
  Speaker 4: bars and passion and intellect and potential that when we
• 1:11:36
  Speaker 4: first met, I was like, oh man, this woman like
• 1:11:38
  Speaker 4: you are taking over the world, that you're doing it,
• 1:11:41
  Speaker 4: like it has just been such a privilege to what,
• 1:11:43
  Speaker 4: you know what you know what I mean though, when
• 1:11:45
  Speaker 4: you meet someone before the thing that you know them
• 1:11:47
  Speaker 4: in now to have watched it is such a great
• 1:11:50
  Speaker 4: privilege because this is what you were destined to do.
• 1:11:53
  Speaker 5: That is so kind and I feel like I was
• 1:11:56
  Speaker 5: destined to do it, and it's it's crazy to think
• 1:11:59
  Speaker 5: we're doing it, and it, you know, rederates.
• 1:12:01
  Speaker 3: When people say stuff like that to me.
• 1:12:03
  Speaker 5: It just reminds me that I am doing the right
• 1:12:04
  Speaker 5: thing and I am in the right place, and you know,
• 1:12:07
  Speaker 5: like all of these achievements over the last few months
• 1:12:12
  Speaker 5: or years or whatever we want to call it, like
• 1:12:14
  Speaker 5: just reminds me that whatever we are doing, we're doing
• 1:12:17
  Speaker 5: it right, and we're in the right space, and we're
• 1:12:19
  Speaker 5: making the right steps forward and we're having these impacts.
• 1:12:22
  Speaker 5: And you know, my favorite thing in the entire world
• 1:12:25
  Speaker 5: is you know, I guess that's an interesting fact. It's
• 1:12:27
  Speaker 5: not about finance, but it is about she's on the money.
• 1:12:29
  Speaker 5: Is that when it comes to DMS and it comes
• 1:12:32
  Speaker 5: to you know, managing the socials, like I don't want
• 1:12:35
  Speaker 5: to let go of that. Like, my favorite thing is
• 1:12:37
  Speaker 5: talking to our community and talking to the people in
• 1:12:40
  Speaker 5: our dms who message us to be like, hey, I
• 1:12:42
  Speaker 5: know you might not read this. We do definitely read it,
• 1:12:44
  Speaker 5: just defoy, but I just want to tell you that
• 1:12:46
  Speaker 5: I've paid off all my debt because I listened to
• 1:12:48
  Speaker 5: your podcast or you know, a really special one the
• 1:12:51
  Speaker 5: other day was that she'd gotten out of a financially
• 1:12:53
  Speaker 5: abusive relationship and it was because of our episodes on
• 1:12:57
  Speaker 5: that and she'd you know, saved up and it was
• 1:12:59
  Speaker 5: a plan that created over the last eight months and
• 1:13:02
  Speaker 5: that you know, we were integral to that. And that's
• 1:13:04
  Speaker 5: crazy to think that we're impacting people without even knowing
• 1:13:07
  Speaker 5: it and they just tell us later they're like, oh, yeah,
• 1:13:10
  Speaker 5: by the way, you did this, Like what I helped
• 1:13:12
  Speaker 5: you get out of a financially abusive relationship, that's wild.
• 1:13:16
  Speaker 5: Like I'm so proud of that. And I don't want
• 1:13:19
  Speaker 5: us to ever lose that as our driving force and
• 1:13:22
  Speaker 5: as our priority, because you know, you're right, it's really
• 1:13:25
  Speaker 5: fancy to be a Forbes thirty under thirty. I don't
• 1:13:27
  Speaker 5: want that, though. I want the people in my dms.
• 1:13:30
  Speaker 5: I want to talk to people about saving. I want
• 1:13:33
  Speaker 5: to talk to people about, you know, a savings hack
• 1:13:35
  Speaker 5: that I made and I made it on PowerPoint, but
• 1:13:37
  Speaker 5: I made it a PDF and you can download it
• 1:13:39
  Speaker 5: on your bridge. Like that's who I am and what
• 1:13:41
  Speaker 5: I want to do. And I think that, yeah, that's
• 1:13:44
  Speaker 5: I guess something that people assume I have handed over
• 1:13:47
  Speaker 5: because we do have a content manager now and a
• 1:13:49
  Speaker 5: content producer, but I'm pretty controlling when.
• 1:13:52
  Speaker 3: It comes to that. I love that though. It's because
• 1:13:55
  Speaker 3: you're so in touch with your audience still.
• 1:13:56
  Speaker 5: Because of that, well you have to be, because that's
• 1:13:59
  Speaker 5: why I'm here. Yeah, Like they're the reason I get
• 1:14:02
  Speaker 5: to do what I love every single day. And I'm
• 1:14:04
  Speaker 5: so grateful for all of them to be here, because
• 1:14:07
  Speaker 5: not many people can say I wake up every day
• 1:14:09
  Speaker 5: so proud of what I do and like that's so cool.
• 1:14:13
  Speaker 5: And yeah, I guess that's one thing people don't know
• 1:14:16
  Speaker 5: and assume it's not me.
• 1:14:18
  Speaker 4: What about one that Steve would know but no one
• 1:14:20
  Speaker 4: else would know, Like weird things that you do?
• 1:14:24
  Speaker 5: Oh, that I am obsessed and have an uncontrollable desire
• 1:14:28
  Speaker 5: for frozen ice cream, chocolate mo cheese. Oh oh, so sific,
• 1:14:33
  Speaker 5: so specific, but like if ever I'm sad and he
• 1:14:36
  Speaker 5: comes home with a box of chocolate ice cream mo CHIESE,
• 1:14:39
  Speaker 5: there are six in a box. You best believe I
• 1:14:41
  Speaker 5: will not be saving you any I will eat the
• 1:14:43
  Speaker 5: whole thing and like he can change my day with
• 1:14:47
  Speaker 5: the box.
• 1:14:47
  Speaker 3: Of mo cheese, like I promise you.
• 1:14:49
  Speaker 5: And that would be such a bad spending havoc because
• 1:14:51
  Speaker 5: I think full price, they're like seven dollars a box,
• 1:14:54
  Speaker 5: but they are a good deal even not on sale.
• 1:14:56
  Speaker 4: They my friend, your budget pie ch is like mostly
• 1:15:02
  Speaker 4: mortgage groceries is like tiny health insurance, you know, much
• 1:15:08
  Speaker 4: is more important?
• 1:15:09
  Speaker 5: Yeah, yeah, I think he would absolutely say that. And
• 1:15:13
  Speaker 5: I think he would also want to tell people that
• 1:15:17
  Speaker 5: my personality is also in my pets personalities. And we
• 1:15:22
  Speaker 5: talk about this all the time because we've got three pets.
• 1:15:26
  Speaker 5: I have two cats and a dog. I've got Bailey
• 1:15:28
  Speaker 5: who's ten and he's a Tonkenese. I've got Henry who's
• 1:15:31
  Speaker 5: one and he's a chocolate Tonguenese.
• 1:15:33
  Speaker 3: And I've got.
• 1:15:33
  Speaker 5: Lucy who is a sheeperdoodle and she is nine months.
• 1:15:37
  Speaker 5: And yeah, they're all as crazy as I am. And
• 1:15:40
  Speaker 5: sometimes he just looks at them and is like you
• 1:15:42
  Speaker 5: are actually like your pets, Like, you know, Lucy's very
• 1:15:46
  Speaker 5: snugly and cuddly and just wants to be on the
• 1:15:48
  Speaker 5: couch in her blanket, and that is me. And Bailey
• 1:15:51
  Speaker 5: can be really sassy, and that is also me. And
• 1:15:54
  Speaker 5: he always tells people that I get my attitude from
• 1:15:57
  Speaker 5: my cats, and my cats get their attitude from me.
• 1:15:59
  Speaker 5: So movie that's maybe that's something people would definitely not
• 1:16:03
  Speaker 5: talk about because people just don't care, but.
• 1:16:05
  Speaker 4: People definitely care. I have followed your pet journey and
• 1:16:08
  Speaker 4: your little menagerie at home with a keen interest, a
• 1:16:11
  Speaker 4: keen interest.
• 1:16:12
  Speaker 5: It's going to turn into a farm. We bought our
• 1:16:16
  Speaker 5: house in December, like at the start of December. It
• 1:16:19
  Speaker 5: was absolutely well wind like we found it. It was
• 1:16:21
  Speaker 5: like a two week settlement like it was yay and
• 1:16:24
  Speaker 5: a like so quick. And my partner had always said,
• 1:16:28
  Speaker 5: we can't have a dog until we own a property,
• 1:16:30
  Speaker 5: and that was my motivation for getting a property. I
• 1:16:33
  Speaker 5: was always like, all right, well I didn't want property
• 1:16:35
  Speaker 5: until now, Well we're going to have to.
• 1:16:36
  Speaker 3: Buy a house. I guess.
• 1:16:38
  Speaker 5: Good priorities, And so I reached out to this breeder
• 1:16:41
  Speaker 5: and one thing led to another and we ended up
• 1:16:43
  Speaker 5: with Lucy two days before we moved into the property,
• 1:16:46
  Speaker 5: and I was just like, all right, cool, so I've
• 1:16:49
  Speaker 5: organized a puppy. And he was like, were we not
• 1:16:51
  Speaker 5: going to move in and maybe talk about it? And
• 1:16:52
  Speaker 5: I was like, ahh, like we are. We have a dog,
• 1:16:55
  Speaker 5: We have a puppy.
• 1:16:56
  Speaker 3: We are moving in.
• 1:16:57
  Speaker 5: And I remember bringing her home because we'd secured her
• 1:17:01
  Speaker 5: and she had to be She's from New South Wales
• 1:17:03
  Speaker 5: and I live in Victoria, so she had to be driven.
• 1:17:05
  Speaker 3: Down for us. Baby.
• 1:17:08
  Speaker 5: Yeah, we went to pick her up and I didn't
• 1:17:10
  Speaker 5: want to take her to our rental property, but we've
• 1:17:12
  Speaker 5: just been given the keys to our actual property, and
• 1:17:15
  Speaker 5: so Steve and I slept on a blow up bed
• 1:17:17
  Speaker 5: in our new house with no other furniture in it
• 1:17:19
  Speaker 5: because we wanted to have the dog in the new property.
• 1:17:21
  Speaker 5: And I remember bringing her home and not having any
• 1:17:23
  Speaker 5: furniture and just sitting on a dog bed in the
• 1:17:25
  Speaker 5: middle of our new lounge room with this puppy, and
• 1:17:27
  Speaker 5: I was just so happy.
• 1:17:28
  Speaker 6: I cried because I was like, oh my god, all
• 1:17:30
  Speaker 6: my dreams are coming true. Living this is slipping Like
• 1:17:34
  Speaker 6: I've got this dog and I adore it, and like
• 1:17:37
  Speaker 6: I guess, yeah, Like my life goals have never been
• 1:17:40
  Speaker 6: around Korea.
• 1:17:41
  Speaker 5: They're always around you know. I guess love and family
• 1:17:45
  Speaker 5: and you know, hopefully one day creating a family of
• 1:17:47
  Speaker 5: our own, but for now, our pet family. And yeah,
• 1:17:51
  Speaker 5: I guess that's central to who I am and what
• 1:17:53
  Speaker 5: I do. When you start to get to know me,
• 1:17:55
  Speaker 5: you're really like, oh cool, So she actually doesn't care
• 1:17:58
  Speaker 5: about any of these achievements. She's just proud that her
• 1:18:01
  Speaker 5: dog can shake force.
• 1:18:02
  Speaker 4: Like, I love that about you so much. Well, final question, lovely,
• 1:18:07
  Speaker 4: what is your favorite quote?
• 1:18:09
  Speaker 5: Oh my gosh, I already told you.
• 1:18:11
  Speaker 3: Why did I Why did I ruin that so early?
• 1:18:14
  Speaker 3: Because it was such a good one? Oh my gosh.
• 1:18:16
  Speaker 5: Yeah, I'm actually going to reiterate that for you because
• 1:18:19
  Speaker 5: I do think it's really important and it's helped me
• 1:18:21
  Speaker 5: and I feel like it's one that we don't talk
• 1:18:23
  Speaker 5: about enough, and that is that you will never be
• 1:18:25
  Speaker 5: criticized by someone who is doing more than you. You
• 1:18:28
  Speaker 5: will only ever be criticized by someone who is doing less.
• 1:18:32
  Speaker 5: And I think that that is, I guess, a really
• 1:18:34
  Speaker 5: good place to leave it, right, Like anyone can adhere
• 1:18:38
  Speaker 5: to that, Like if anyone ever says anything bad about you,
• 1:18:41
  Speaker 5: and my friends, like, I bet you, it's because they
• 1:18:44
  Speaker 5: are not, you know, following in your footsteps or you know,
• 1:18:47
  Speaker 5: being the person that you are. And it's hard in
• 1:18:49
  Speaker 5: Australia because I feel like tall poppy syndrome is such
• 1:18:53
  Speaker 5: a prevalent thing. And I'd heard about it, you know,
• 1:18:55
  Speaker 5: and I'd spoken about it before, and obviously studying psychology,
• 1:18:58
  Speaker 5: i'd been told about it.
• 1:19:00
  Speaker 3: I just was like, no, that's not a thing.
• 1:19:02
  Speaker 5: I've never been held back, and I absolutely haven't been
• 1:19:04
  Speaker 5: held back. But my gosh, now I have what you
• 1:19:07
  Speaker 5: definitely could call a profile in this space that people
• 1:19:10
  Speaker 5: that don't want you to be successful.
• 1:19:12
  Speaker 3: They're loud, they're loud.
• 1:19:14
  Speaker 5: And they can make you feel like crap so easily.
• 1:19:17
  Speaker 5: And I think that a quote like that just really
• 1:19:20
  Speaker 5: helps you remember what's important.
• 1:19:21
  Speaker 3: Absolutely.
• 1:19:23
  Speaker 4: Unfortunately, you have a community, a very engaged and increasingly
• 1:19:28
  Speaker 4: expanding all over the world community who absolutely endure you.
• 1:19:32
  Speaker 4: And I have only the best thing to say about you.
• 1:19:36
  Speaker 4: And she's on the money and the new book and
• 1:19:38
  Speaker 4: everything you do. It's just been a privilege to be.
• 1:19:42
  Speaker 3: Alongside and to be able to work so kind.
• 1:19:44
  Speaker 4: I can't Oh my god, I don't even have words like,
• 1:19:47
  Speaker 4: I have no language. It's just you are really shaking
• 1:19:50
  Speaker 4: up a really really important part of our lives that
• 1:19:53
  Speaker 4: is obviously having such a huge impact for everyone. So congratulations,
• 1:19:57
  Speaker 4: Well thank you Sarah.
• 1:19:58
  Speaker 5: That is honestly, I should when your podcasts more often
• 1:20:01
  Speaker 5: because a part like I just need someone to complementary
• 1:20:05
  Speaker 5: as you are.
• 1:20:07
  Speaker 3: Anytime.
• 1:20:08
  Speaker 4: Honestly, you are just such a wonderful, wonderful romodef all
• 1:20:12
  Speaker 4: of us.
• 1:20:13
  Speaker 5: Oh, well, thank you for having me. I'm genuinely so grateful.
• 1:20:25
  Speaker 2: Hi, it's Tony again. I hope they absolutely loved that podcast.
• 1:20:29
  Speaker 2: And just to give Sarah a little shout out, you
• 1:20:31
  Speaker 2: can find her at Spoonful Underscore of Underscore Sarah on Instagram,
• 1:20:36
  Speaker 2: or you can follow Seze the AA at c's Underscore
• 1:20:39
  Speaker 2: the Underscore Yay on Instagram as well. Make sure you
• 1:20:42
  Speaker 2: go and check out her podcast because it's amazing. She
• 1:20:44
  Speaker 2: posts awesome interviews all the time with heaps of different people,
• 1:20:48
  Speaker 2: So I promise you it's time well spent after you've
• 1:20:51
  Speaker 2: listened to she's on the money, of course. But before
• 1:20:54
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• 1:20:56
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• 1:21:12
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• 1:21:18
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