Latest / The Curve / If We Could Give Our Younger Selves Some Financial (and Life) Advice.

Transcript

If We Could Give Our Younger Selves Some Financial (and Life) Advice. · The Curve

0:00
Life can be so exciting if you kind of lean into a bit of fear.
0:07
If it doesn't go right, it's not the end of the world.
0:09
Yeah, good one that someone said the other day.
0:12
You know, very few decisions are a one way door.
0:14
That has probably been like my mantra of the year.
0:17
Mine's actually related to dating.
0:19
We don't have time for this shit.
0:20
Investing isn't risky.
0:23
I think not investing is even more risky.
0:26
I'm not open until the recording tonight.
0:28
Some top secret content.
0:30
Hi, I'm Eileen and I have the challenge of being a Victoria's mum.
0:34
Okay, this is quite deep.
0:36
When I was younger, in fact, I honestly reckon for a long time,
0:43
I've spoken about this as it being in the past,
0:46
but I think it's only in the last 12 months that I could properly say I'm in recovery.
0:51
And that's from...
0:56
Before we begin, a quick note.
0:58
This episode includes discussion on fertility challenges.
1:01
Body image and eating disorders.
1:03
Please take care of yourself, love your bodies.
1:06
And while you listen to this, if you need to take a pause or not listen at all,
1:10
we totally respect that, but we just wanted to give you a heads up
1:13
that those things are discussed in today's episode.
1:20
I don't think we're qualified to be giving any kind of advice,
1:23
to be honest, fork.
1:25
So before we jumped on this podcast,
1:27
so it was like, we need to channel big sister energy.
1:30
I was like, well, at least you are a big sister.
1:33
I am not. I am a younger sister.
1:35
I have channeled younger sister energy for so long.
1:38
I also channeled younger sister energy, though.
1:41
I was a really bad older sister.
1:43
No, you weren't.
1:44
No, I don't think you can be.
1:46
No, no, seriously, I think if you asked my sister and my brother
1:50
was so if you could older sister, they would have been like, no.
1:53
Look, I think I've really come into my own as an adult.
1:55
I was so focused on gymnastics because I was doing gymnastics when I was at school
2:00
and myself.
2:02
I was focused on myself and gymnastics.
2:04
And I wasn't one of those older sisters that was like naturally maternal or like super caring.
2:11
I was like, quite independent.
2:13
But you don't need that.
2:14
You need a fun older sister as well.
2:16
You don't need a second mum.
2:17
I know, but I feel like most sibling relationships, the older sisters.
2:22
I don't know, just like a beacon of light.
2:25
You know, I would say I was a beacon of stress.
2:28
A beacon of stress.
2:30
And just like so absent.
2:33
I just wasn't very present with them, I don't think.
2:36
It's actually one thing I wish.
2:38
I wish that I had been a better older sister.
2:40
But I was just so like rabbit hole tunnel vision on probably gymnastics mainly.
2:45
That's good.
2:46
You're passionate.
2:47
You're driven.
2:48
That would rub off on them.
2:49
Just trying to boost you up here, babe.
2:50
Thanks.
2:51
You're like, no, but I think I can make it come back.
2:57
I can make it come back by giving back now and also being a better older sister now.
3:02
I think I've gotten better.
3:03
Yeah.
3:04
You can get back to all the sisters.
3:06
So the purpose of this podcast.
3:10
I mean, we could sit here and be like, these are all the financial things that you should
3:15
do to be in a really good position when you're our age.
3:18
But we're kind of like, do you know what?
3:20
There's also heaps of personal stuff.
3:21
So like, why don't we do some personal ones too?
3:23
And also, we are not here sitting on a high horse being like we've had it.
3:28
You know, we've done it all right.
3:30
If anything, I think this is the whole point of this.
3:32
Is that we've actually done it wrong.
3:34
And you can do it right by listening to this.
3:37
It was so funny.
3:38
We got contacted by our school actually.
3:41
So so far now we're at the same school.
3:43
We got contacted by our school and they were like, hey, love what you guys doing.
3:46
We'd love to do a poster promoting our alumni.
3:48
And I was like, I've got amazing.
3:49
So we sent them picture of us.
3:51
And the caption, they kind of wanted a funny caption.
3:55
And it was the creative and the geek.
3:57
And that's right.
3:58
I remember the time we thought this was a good idea.
4:01
We thought it was so funny.
4:02
And then anyway, I sent it to my parents.
4:04
And they were like, the geek, what?
4:08
You were not and I was.
4:11
I was like, so true.
4:13
I was like, my parents and my teachers are probably like, whoa.
4:17
She was an absolute nightmare.
4:21
Child and.
4:24
Were you actually, what were you like at school?
4:27
I just pushed the boundaries.
4:29
Why are the rules for rules sake?
4:31
You know, I just didn't get it.
4:33
And so I would always just push the boundaries and see what I could get away with.
4:37
Was this in school with teachers with friends like with everyone?
4:41
What was everything?
4:42
Yeah.
4:43
School, like authority at home with authority and rules, curfews, you know,
4:48
sneaking out all of that.
4:50
Like I just really, I'm scared to have my own children
4:54
if they're half of what I was like in my teenage years.
4:57
Oh my god.
4:58
Well, because Vick and I were different years.
5:00
Vick was three years above me at school.
5:02
So we knew vaguely.
5:03
I mean, I think I vaguely maybe knew you.
5:06
But we weren't friends until we moved to Sydney and then all of, you know,
5:10
it's a, you kind of leave school and it's fine to be friends with people
5:12
that are younger.
5:13
It's not uncool.
5:14
At the time at school, it would have been very uncool.
5:16
But it's almost like Vick and who I think of you started as like, you know,
5:22
a 26 year old or 20, rather than, I don't know, pre-sidney, pre-london, pre-curve Vick.
5:31
And I kind of wish I did.
5:33
I also just backed myself and I knew.
5:36
I don't know.
5:37
Like I would balance out the repercussions or like if I would get caught or, you know,
5:41
if I don't do this, like I remember my exams.
5:43
And my mum was like, why did you not set that exam?
5:46
And I was like, well, I had enough, enough grades.
5:49
What was the point in studying for this exam when I, when it doesn't really count
5:53
to my overall grades and I'm already going to pass?
5:56
You know, like the, and mum was like, what do you mean?
6:00
You need to pass.
6:02
I was the total opposite.
6:05
I was, I was the geek.
6:07
I was the geek.
6:08
Like we should have changed the poster.
6:10
But I wasn't a geek because I was smart.
6:12
I was just so, God.
6:14
I mean, you know what I'm like when I've got a, I'm like a dog with a bone.
6:17
If I've got a goal, I'm like, it's going to happen, you know?
6:21
And I wanted to get into broadcasting school and I had to have certain grades to get in.
6:26
And so, and also, I think because I wasn't naturally super smart.
6:31
Maybe there was like a part of me that wanted to go over and about like for school exams,
6:36
I would take a giant, like monstery energy V, sit myself in Auckland University,
6:42
like not a uni student.
6:44
What are you doing?
6:45
We went into this room that was just completely silent because I needed no distractions.
6:50
And like would go hard for like 12 hours.
6:53
And just study, study, study for like weeks, weeks, weeks.
6:56
But I think it was because I wasn't really paying attention
6:58
or didn't, nothing really sunken throughout the year.
7:01
And then I would get to the end of the year and be like,
7:04
I need to cram anywhere.
7:07
We digress.
7:08
What we want to get across is that like we're not perfect.
7:11
You know?
7:12
No.
7:13
We might seem like we are, but we're not.
7:15
There may be posters of us at our school, but we are not.
7:19
We are not models students.
7:21
Are we there?
7:22
I think we have learned a thing or two.
7:24
Yeah.
7:25
And honestly, if I could go back in time,
7:27
I would mainly just tell myself to chill the fuck out.
7:30
Oh yeah.
7:31
The little things, the little things are just like so little.
7:34
Like I'm pretty sure I, I fell out with a friend because she didn't give like money
7:39
towards a shared present or something.
7:41
I'm like, what a bitch.
7:42
Like, what is wrong with you, Sophie?
7:44
Like I just want to go back and shake myself and be like, no, actually calm down.
7:50
I remember I got my mom and dad's car towed by accident.
7:53
And it was like I laugh at how upset I was.
7:56
And it was honestly like someone had died.
7:58
Oh yeah.
7:59
I was like, inconsolable bawling my eyes out.
8:02
Like, it's just like chill, Vic.
8:06
And I remember my sister's boyfriend at the time was just laughing.
8:09
And I was like, how are you laughing at me?
8:12
But yes, I think that's just an overarching piece of advice.
8:17
It's like the big things just end up being so little.
8:20
Oh man.
8:21
It's kind of the same with investing, right?
8:22
Like those big ups and downs that are happening when you're in them and you're like, oh my gosh.
8:26
My portfolio is going down, or my money's going down.
8:29
You know, as time goes on, you realize, oh my gosh, why was I getting so concerned about that?
8:34
And why was I getting so worked up?
8:35
That's actually a genius analogy.
8:36
I love that.
8:37
Yeah.
8:38
It's so true.
8:39
But then even when this small stuff happens now, I still stress out.
8:42
I mean, I'm going to have to listen back to this podcast and take my own advice with that.
8:47
Because honestly, I have lost quite an important document.
8:51
It's a long story.
8:52
And I don't even want to get into it because I probably will start crying.
8:54
But I know I'll look back.
8:56
I'll figure it out.
8:57
I'll look back in like a couple of months and be like, yeah, that was stupid.
9:00
Don't tell me that document was your passport.
9:02
No, it's worse.
9:03
Your visa.
9:04
No, no, no, I haven't lost the visa.
9:06
It's actually bad.
9:09
And I'm too scared to say it on this podcast because I would get back to the person.
9:13
Oh.
9:14
It's bad.
9:15
Okay.
9:16
So my first piece of advice.
9:19
Mine's actually related to dating.
9:21
Oh, I feel like I only learnt this.
9:25
Genuinely learnt this in the last like year.
9:30
And I think that it would have saved me so much stress and time and energy.
9:37
If someone had just like really, really honestly sat me down and been like,
9:43
if you are confused about whether or not someone is into you, they are not into you.
9:49
They are not into you.
9:51
No, but it's true.
9:52
Like I'm sorry.
9:53
I think because I have always been and it's so something I need to work on with my therapist,
10:00
attracted to unavailable people, which is the worst type of person to be attracted to.
10:06
I have just spent probably over a decade chasing the dopamine highs and lows of has someone
10:14
message me back or not.
10:15
And oh, I just, I found this girl on TikTok.
10:18
Who is revolutionised the way I think about.
10:21
But she's honestly so brutal.
10:23
She's like, I'm busy.
10:24
I'm busy.
10:25
No, he's not busy.
10:26
He's not into you.
10:27
I'm like, okay.
10:28
It's so true.
10:29
The number of friends as well that have been like, oh yeah.
10:33
And then I go message him and he didn't message back.
10:35
So I messaged him again and again.
10:36
I'm like, or sorry, but even not even just the messaging.
10:39
It's like, if the message is shit and there's no questions.
10:42
If it's not, let's make plans and go up for dinner.
10:44
If it's not bored, absolutely jargon.
10:47
Like I'm not interested.
10:49
Oh, I've fallen.
10:50
I've fallen victim to that so I'm like, why don't you like me?
10:52
Why don't you want to go for dinner with me?
10:53
Why don't you start questioning?
10:55
It's also really detrimental to your like well-being because you start maybe becoming someone
11:02
you're not becoming.
11:03
You'll see it's becoming weird or questioning.
11:06
Okay, well why don't they like me?
11:07
Was it because I smell?
11:09
Because I look funny?
11:10
Because it's like, no, sometimes they're just not there into you.
11:13
And that's okay.
11:15
Not everyone has to be into you.
11:17
I think you just have to be super strict with yourself.
11:20
If someone is not showing you adequate attention that makes it very clear that they are in fact
11:26
interested in getting to know you and spending time with you.
11:29
Bye.
11:31
If what you're wanting is a relationship.
11:33
If you're not interested then you want something casual fine whatever.
11:36
But like I would say majority of women from the age of, I don't know, early 20s are open
11:42
to the idea of meeting someone that they actually want to be in a long term relationship with.
11:46
If that's the case, just be fucking brutal with it.
11:50
No reply?
11:51
Ship reply?
11:52
Taking two days?
11:53
See you later.
11:54
Like don't try and get any more attention from that person.
11:57
That's the kind of behavior if you're like trying to get their attention, trying to make them
12:04
want to hang out with it.
12:05
That's the behavior you're going to get for the next 60 years if you end up with that person as well.
12:09
So it's like, no, but it's not though because you trick yourself into thinking when they know me more,
12:14
they're going to like me because I'm awesome.
12:16
Like it's such a fucked up cycle.
12:18
Yeah, no, but it's more like the person that your, like the biggest financial decision
12:23
you're going to make in your life is who to spend your life with.
12:27
And if you're wasting your time on this idiot that is not texting you back or just dragging you along,
12:35
it's like just, we don't have time for this shit, you know?
12:38
No.
12:39
Your time is precious.
12:40
Bye, bye, bye.
12:41
Mine is you need to take risks.
12:44
Life can be so exciting if you kind of lean into a bit of fear and lean into
12:52
something that might feel a bit uncomfortable and especially when you're younger,
12:57
you know, you probably don't have kids, you know, you don't have more good or you don't have,
13:02
you know, you don't have those like big things that maybe tie you down financially or otherwise
13:07
and I just think there's just, I wish I'd just taken a bit more risk
13:10
whether it's, you know, with decisions in my personal life,
13:14
whether it's financial decisions, whether it's like moving countries,
13:18
you know, like I even remember going to university and I was like,
13:20
oh, I don't want to go to Australia because it's like overseas and what if I don't know anyone
13:24
and so I stayed closer to home.
13:26
Whereas like how cool would it be if I just channeled that fear a bit and was like,
13:31
you know what?
13:32
Yeah, it's going to be scary, but it could be really fun.
13:35
It's so interesting that you don't think you've taken that many risks.
13:38
What would be some other examples of things where you're like,
13:40
I could have been riskier there?
13:41
Like, have I think of my tweenies?
13:43
Like, I played it very safe and the jobs that I was in and the travel
13:49
that I did going to move to Sydney, like, yeah, cool.
13:52
But like, why not go somewhere a bit different and a bit exciting?
13:56
And I don't know, I just thought that's kind of one of mine.
13:59
It's like that I wish I had taken more risk, even doing the curve.
14:02
Like the idea was in my head for like three years for actually did anything.
14:06
Do you know what I mean?
14:07
Like, it's just do it.
14:09
And I think I see it in so many of my friends that they talk about things
14:12
or like, maybe I should do this or maybe it's just like, just do it.
14:15
Just start, like there's always, I think it's also a female thing.
14:18
There's a fear of what if people don't like it?
14:21
What if I, what if I don't like it?
14:23
What if, you know, it's just like, just do it and you'll figure it out.
14:26
It's kind of like back yourself, I think, is probably more the piece of advice.
14:30
It sounds also like your piece of advice is don't feel like you need to do the thing that everyone's done.
14:36
Like if it's moving to Sydney, look at other options.
14:38
If it's doing this to great, look at other options.
14:41
If it's like, don't just think, don't just do what your friends have done
14:45
or what you've seen prescribed.
14:46
Like there's so many options out there and you can be creative and take more risk
14:51
and your life is precious and actually just do the thing.
14:56
When you're younger, if it doesn't go right, it's not the end of the world.
14:59
Do you know what I mean?
15:00
Like you've got so many years ahead of you.
15:04
And I think it's also things like, someone said the other day,
15:08
very few decisions are a one way door.
15:11
And honestly, that has probably been like my mantra of the year in terms of it's so true.
15:18
It's not, if you go somewhere or you do something and you don't enjoy it, it's like 99% of the time it's reversible.
15:26
You know what I mean?
15:27
Just take the leap because who knows, you might actually enjoy it.
15:30
You might actually learn something.
15:32
You might actually grow as a person.
15:34
Almost everything.
15:35
Literally almost everything is reversible.
15:38
If you realize you've had a mere or pivotable, right?
15:41
Like you can pivot.
15:42
Okay, this is quite deep.
15:44
And it kind of does come back to what I was saying about being a shit sister.
15:48
I, and now I know that this is very, very, very common in women who have ADHD,
15:56
but also I know that this is something that most women struggle with.
16:01
And I really, really hope that we can just move on and focus on more important things.
16:08
When I was younger, in fact, I honestly reckon for a long time I've spoken about this as it being in the past,
16:18
but I think it's only in the last 12 months that I could properly say I'm in.
16:22
What's it called?
16:23
It's not remission, recovery.
16:26
And that's from an eating disorder.
16:28
And I, I mean, it's for me like it's, I did gymnastics really intensely when I was at school.
16:36
So it didn't really necessarily start from a place of like not loving what I look like.
16:41
But I just spent years and honestly just like so much time worrying about how my body looked for other people
16:55
and not focusing on the amazing things that it does for me.
17:00
And what it, what it really means to live in and feel your body and be grateful for all that it does for you.
17:09
And I just want to shake every single person.
17:15
But like, you know, I've just got a preface as by saying I'm still definitely like I noticed my brain go there every day.
17:24
Every day, like I go to Pilates, I look in the mirror, I'm like looking at other people, I compare myself,
17:29
I say nasty things to my body and I am actively trying to reverse that by like actually every time I notice it,
17:36
saying something nice to myself and trying to reprogram what I've been told my whole life is be small, make yourself smaller, you know,
17:45
to be successful, to be valued, you have to be thin, it's just such bullshit and it's such a waste of time.
17:52
And I really would just challenge anyone who is feeling like this to realize that life is more important than the amount of weight that is on your body.
18:06
Obviously there's a difference between being unhealthy, but there's arguably more times than not that I would have been more unhealthy by being underweight than having an extra 10 kgs.
18:17
And I, this, yeah, this is the first year I've like bought new jeans, I've bought new clothes that are bigger sizes.
18:23
I've been like just allowing myself to be the size that I naturally am, and even if it's slightly bigger than that,
18:31
and just not be spending my precious energy, trying to do that and actually thinking about how I can have a more positive impact on the world.
18:40
It's just like, oh God, eat the bread or donate the bread.
18:43
And just there's so much pressure on us to look a certain way, and actually I'm so much more valuable than what I look like.
18:54
Thank you for sharing that. I think that's so important to hear for so many people, and I think I love what you said you're more valuable than how you look.
19:02
It's so true. It's what's in here.
19:05
And here. Yeah. Oh, oh, man. I didn't really expect that to happen.
19:12
I think this kind of is quite similar. My one would be that comparison will quietly kill your confidence.
19:21
And in a world where we have now got access to instant access to friends to people on the other side of the world to celebrities to, you know,
19:35
like we in social media, we can see what a lot of people are up to that we previously couldn't creates a lot of comparison.
19:44
Not only in what we look like, what we're doing, where we're traveling, what we're buying, all of that, but also comparison amongst friends in terms of where they are in their life.
19:56
What they've achieved, what they haven't, what they seem to have achieved or I think there's just a lot of kind of smoke and mirrors.
20:04
And I think there's a lot of grass is always greener, which isn't necessarily the case, which creates a lot of comparison.
20:10
And I have definitely been guilty of that. And just need to remember that everyone is on their own journey.
20:17
And well, someone who you might look at who think who you might look has it all sorted and who you admire might actually not.
20:27
And they might have a whole lot of issues that you aren't even aware of or, you know, they might be looking at you thinking, I wish I had that.
20:34
And so it's just I think you just to be in order to find happiness is to just be content in the journey that you're on and know that it's the journey for you and not be comparing yourself to others.
20:48
Has that been something that for you has been more top of mind as a lot of your friends have had kids much earlier.
20:56
And that's been something that you've always wanted, but you're just on a different timeline.
21:01
Yeah, and I remember when I was over here and then I think it was two years ago, we were here.
21:05
We were here for like six months and we went home and I bumped into a friend and I was like, she was like, oh my god, you look like you're living the most incredible life in London.
21:13
And she had had two kids and I was like, wow.
21:16
And I remember in my head, I was like, that's so interesting because I was looking at you and your family having a great time going, oh my god, I want that.
21:26
And like when she said that to me, I was like, wow, we're both looking at each other, wanting what the other has.
21:34
Wasting energy on that, not been contented where we are in our lives.
21:39
And so I know it was just, we don't know what everyone else's lives are like.
21:42
And you only see a snippet and all you can focus on is yourself.
21:45
And so yes, it has probably highlighted with that.
21:48
But I'm also so content and fulfilled with what we're achieving in terms of empowering and helping women to grow their wealth.
22:00
To me, that is so much more satisfying.
22:03
And I know that that part of my journey will come and I know that that will evictuate for me.
22:10
But right now this is kind of the crusade is probably the wrong word.
22:14
You've got another baby right now.
22:16
Yeah, this is the baby that needs my time and attention.
22:19
And I'm fine with that.
22:21
Yeah, that excites me.
22:23
That is what gets me out of bed every day.
22:25
That's what fulfills me.
22:26
My first born.
22:28
Yeah, no, I think that's a really important one to share.
22:31
Particularly as, you know, everyone speaks about like,
22:34
oh, comparing your life on social media, like that's a narrative that we've heard a lot.
22:38
It's not not a new take.
22:39
But I think that as you enter your 30s and people's lives really genuinely take quite different paths.
22:47
You know, you have babies and by houses.
22:51
There's sort of like a short period of time that a lot changes at once,
22:56
whether it's house marriage, kids.
22:59
You know, it's quite an intense time.
23:02
And you can decide early on like how you want to,
23:06
what it is that you want.
23:08
But ultimately you can't actually determine what's going to happen.
23:12
You know, you can select as I've always wanted to be a mum.
23:15
And I still really do.
23:19
But I noticed myself looking at friends who are in different stages of life to me.
23:24
And it's so easy to go into, yeah, into, you've got this, I've got that bit.
23:30
I don't know, I just feel like that's a never ending cycle that's going to go on for your entire life,
23:36
unless you choose to not go down that rabbit hole.
23:39
Happiness is not a destination.
23:41
And I think that's really important.
23:43
This is actually, this leads me onto my next one, which I had like a burnout.
23:48
In my 20s, I was about 27.
23:52
And I'd worked for really like quite an intense period of time.
23:57
I left my degree early for a job offer.
24:01
And then I was doing my thesis while working full time.
24:04
So I was like already just like, what are you doing?
24:07
And this was when I was like 21.
24:09
And by the time I got to about 28, I'd sort of had this like quite intense career already.
24:15
When a lot of my friends were kind of in their, you know, 30 year of working.
24:19
And I had been going for quite a while.
24:21
And I was producing breakfast shows.
24:23
I was getting up at the most ridiculous times like, you know, as in three in the morning for like five years of my 20s.
24:30
And I just had this total burnout.
24:33
And I, I found a lot of tools at that time.
24:38
It was out in necessity that a what really helped keep me stable now.
24:45
And like full disclosure, I mean, the last six months for me have been pretty rocky.
24:50
You know, I definitely haven't been smooth sailing.
24:52
But you know, even today, like I had quite a bad amount of anxiety.
24:57
But I knew the things that I could do.
24:59
And I had tools in my toolbox.
25:00
And I think I would just say like, if I was younger, and actually I did meditate from a young age,
25:05
I was really lucky in that way.
25:07
But I would actively try and find the things like, you know, for you, you love Pilates.
25:13
It's a place that your brain can switch off.
25:16
But me, like I really enjoy writing.
25:18
I find it helps me process my emotions.
25:20
It's like finding the things that you can use to self-sooth when you need to.
25:27
Which happens a lot.
25:29
Like it doesn't matter what you're going through.
25:31
Whether you're in uni and you're stressed about an exam, whether someone,
25:34
I don't know, cheats on you.
25:35
Like there's so many things, right?
25:37
And we're talking about the idea of like, don't sweat this small stuff.
25:40
But actually the reality is, a lot of the time things feel huge in the moment.
25:45
And I wish that someone had helped me with, you know, here are some things
25:49
that will really help regulate your nervous system and help you make decisions
25:53
from a place and treat people with grace when you're struggling.
25:57
And I just, I wish that I had known those things younger.
26:00
And I think that if one day I have kids, that will be something that I help teach them really young.
26:06
And I think, you know, anxiety and mental health and all of that has become way more spoken about.
26:11
Like when we were younger, that wasn't even a thing, you know, like you didn't know what anxiety was.
26:15
Now it's a word we throw around all the time.
26:17
But I would just say like, find things that make you feel inflow and at peace.
26:22
Whether it's pottery or dancing or whatever, like finding joy and peace amongst the chaos
26:29
of what is like a very intense experience just living is important.
26:35
Yeah, I think mine kind of flows on from that as well.
26:39
My last one around making time for friends and family.
26:44
I think if anything I've learnt over the last, probably like five years.
26:51
So only recently is that, you know, your career as your career works work.
26:57
But like when shit hits the fan, it's not your employer or your boss that you're going to, you know, it's your family, it's your friends, it's your support network.
27:07
And unless you cherish that, put time and effort into that, nurture that, give back to those people as well, they're not going to be there for you.
27:18
Well, they probably will be. But like, you know, like in terms of it works both ways.
27:23
But it's an investment. You have to invest in time and effort and love.
27:28
It's not just a, I mean, yes, your family will always be there.
27:31
But it's the idea that we invest so much time into romantic love or work.
27:36
But your friends and family are like the pillar of your life that are going to be there forever.
27:39
And if you don't invest in them, you can't expect that to come back.
27:43
Well, and they might not be there forever, right?
27:46
You're just probably a figure in your workplace and you're replaceable.
27:50
And you know, but you're not replaceable to your family.
27:52
Your families are replaceable to you. Like it's, it's a great source of comfort when life seems chaotic as well.
27:58
And no success is worth it if you're too busy to enjoy it with the people that matter the most.
28:05
We can strive for higher paying jobs, more money, more success, more material things.
28:12
But for me, I've noticed when I'm the most happy is when I'm with my family and my friends.
28:21
Oh, God.
28:22
Not that I don't enjoy work.
28:23
I'm not meaning like it.
28:24
No, you're a psycho worker.
28:26
Don't worry, I'm aware.
28:28
Yeah.
28:29
I'm just like, I'm not that I don't enjoy my career, my work.
28:32
It's just more like when I feel that, and I think it's my niece and nephew.
28:36
I think it's like seeing how pure they see the world and how hanging out with them is just the little things are what's funny.
28:48
The little things are what makes them laugh.
28:51
What is important.
28:53
The world is, is, is so small.
28:57
That's all really life's about enjoying people around you.
29:00
Totally.
29:01
Like feeling and giving and receiving lovers what it's about.
29:04
And when you don't have awareness of all the other stresses of life, and you can actually do that.
29:09
And this, this is ironic because this is obviously going into now the financial stuff, but it's true.
29:13
It's, you know, financial freedom, like what is it for?
29:16
Like why do you want to get your finances sorted?
29:18
Why do you want that?
29:19
It's really for most people.
29:21
It's not because you want to fly on a private jet somewhere.
29:24
It's because you want to be able to do exactly what you're describing, like your niece and nephew does.
29:29
Just spend time with each other.
29:31
I remember my niece when I was staying with them in New Zealand.
29:35
She was like, why are you always on your laptop?
29:37
Ah, that's so confronting.
29:39
And I looked at her and I was like, you're right.
29:42
You know, this five-year-old was telling me, oh my gosh.
29:47
What, what I should have picked up on, I don't know.
29:50
And I was like, you, you're right.
29:53
Shut my laptop and like, we didn't hang out with it.
29:55
It was just so quite confronting.
29:58
Everyone says that.
29:59
They're like being around kids is the most enlightening thing ever.
30:03
And I get it.
30:04
There's like working parents and like they can't just drop everything and hang out with the kids 24-7
30:08
like I totally get that.
30:09
I just think for me it was quite a poignant moment.
30:12
I was like, oh, true.
30:14
I'm so excited to be talking about people here.
30:17
This is a brand that I've used for a really long time.
30:20
I used it years ago when I was living in New Zealand.
30:23
And since being home, have been on the bandwagon again.
30:26
I don't know.
30:27
I'm such a fan of supplement.
30:29
I feel like when life gets busy and you know, you can do your best to eat a well-rounded meal,
30:35
to drink water to do all the things.
30:37
But sometimes I find it quite overwhelming and I know that I'm often not hitting the mark.
30:41
So to know that I'm like further bolstering my immune system with quality vitamins,
30:46
I just feel like I am absolutely winning it live.
30:50
So the three products that I wanted to share with you today,
30:53
which are a part of the Immune Essentials Pack.
30:56
So a head of winter, the perfect things to add to your health routine.
31:01
The first one, it's called Super Busy.
31:03
This is for fast acting immune support.
31:05
So you know when you are like busy working hard, you know,
31:09
the absolute worst time to get sick and you're like,
31:11
throw it's just tickling away and you're thinking,
31:14
absolutely if it off is nowhere and getting sick right now,
31:17
this will become your new best friend.
31:20
It's got three grams of high potency vitamin C per serve.
31:24
The other one is vitamin D restore.
31:28
So if anyone who experiences post seasonal depression or doesn't give enough sunshine
31:33
on their face and in their body across winter,
31:36
which let's be honest, most of us don't, this is an amazing product.
31:39
And then the third is zinc.
31:41
It's so good for all round health.
31:43
So this supports your gut health, your immunity,
31:46
making sure that your hormones are balanced,
31:48
and your mood and energy.
31:50
I'm just like clinging to my zinc restore.
31:52
It's if I life depended on it.
31:53
But the reason I'm talking to you about these three products in particular
31:56
is that we're doing a partnership with BPure,
31:59
where if you want to get access to the Immune Essentials Pack,
32:02
which is these three products,
32:04
you can save 20%.
32:06
So the brilliant thing about this
32:08
and why we wanted to do it around the time
32:10
when you're getting ready for winter and going into hibernation mode
32:13
is that because you can pay month by month,
32:16
it's like a subscription so it gets delivered to your front door.
32:19
You don't have to go and invest like hundreds of dollars up front.
32:23
You can pay month by month so you can factor it into your budget,
32:26
but you can also be investing in your health.
32:28
So if you would like to find out more,
32:30
you can find out all the details and the podcast show notes
32:33
and the link will take you straight to getting 20% off.
32:36
So thank you so much to BPure.
32:39
Okay, before we move on, Vick, to the financial stuff.
32:42
Oh yes.
32:43
So our producer Emily has sent me an email this morning,
32:47
by the way, she did this 11 hours ago
32:49
and I wasn't able to open it.
32:51
And she had all these emojis being like,
32:54
do not open until the recording tonight.
32:56
Some top secret content,
32:58
not to be opened until further instruction.
33:01
Like, oh my God.
33:04
So it says, surprise.
33:05
So I'm assuming I play one and then I play the other,
33:07
but I actually don't know.
33:09
So I'm going to try play it through my phone into the mic.
33:12
Okay.
33:13
I honestly don't know what this is.
33:15
I swear on my life, I don't know what this is.
33:17
I'm so nervous.
33:19
I'm Sarah.
33:20
I'm Sophie's mum.
33:21
Just here to share a few funny stories,
33:24
bits of wisdom,
33:26
and a few proud moments about her and her life growing up.
33:29
Oh my God, wait.
33:30
Sorry, I've just got to pause.
33:31
This is two minutes long.
33:32
I'm so scared.
33:34
It's two minutes.
33:35
Shit.
33:36
Sorry, back to it.
33:38
I'm really proud to be her mum.
33:40
Well, when Sophie's a teenager,
33:42
I'd say that she was
33:43
chaotic,
33:45
in fact, really chaotic.
33:47
Good fun,
33:48
and she was a very high achiever.
33:50
I wish that I'd been able to teach Sophie more
33:53
how to save some money.
33:55
What the meaning of it was,
33:57
or the value of it,
33:58
or the need to save some of it,
34:00
like it didn't just sort of fall off a tree,
34:02
although it probably did fall off a tree until she left home.
34:04
Oh my goodness.
34:05
Sophie once made this picture.
34:06
She bought this absolutely beautiful,
34:08
one-piece luxury bogna ski suit.
34:11
She wore it a couple of times,
34:13
and then strangely,
34:14
she misplaced it.
34:15
Can I just tell you quickly,
34:17
I found that the other day.
34:19
I found the fucking ski suit.
34:21
See it all comes back.
34:23
There's a thing.
34:25
Well, it might not surprise you to know
34:27
that Sophie was really good at drama,
34:29
and she was at school.
34:30
She took on the role of
34:33
leading the Shakespeare play competitions
34:35
that were going on in the secondary schools.
34:37
And at the time that I was watching her do it,
34:39
and I'm going,
34:40
how is she ever going to do this?
34:41
But she had these people
34:43
absolutely under her thumb and totally trained.
34:45
And I think they might have won the New Zealand award
34:49
or a poster.
34:50
Oh my God, we did.
34:51
So it was like, oh my God,
34:52
you are a leader.
34:54
Honestly, I'm in huge admiration of Sophie, really,
34:57
for being able to put her younger self out there
35:01
and be on her comfort zone
35:03
to overcome and accept her challenges.
35:06
So now, you know, she's just turned all those challenges
35:09
into positive,
35:11
so enormously proud.
35:13
Oh my God, I'm feeling comfortable with my eyes out.
35:16
That's so beautiful.
35:18
I need to save that
35:19
when I'm feeling shit about myself.
35:21
Oh, yeah.
35:22
Also, I can't believe I forgot I was in a Shakespeare play.
35:26
Oh my God, okay.
35:29
Are you ready?
35:30
Emily, the little sneaky.
35:33
Oh, I'm so sick.
35:35
Do you think it'll be your mum or do you think it'll be your dad?
35:38
My sister, my mum.
35:40
I hope it's Ileane.
35:42
I'm Ileane, I'm Vick's mum.
35:45
I was going to say,
35:47
I have the pleasure of being Vick's mum,
35:49
but I'm trying to think of a word.
35:52
It's like, I know what I'm doing.
35:54
I don't know what I'm saying.
35:55
Hi, I'm Ileane and I have the challenge of being Victoria's mum.
36:00
Describing Vick in three words,
36:03
probably determined.
36:05
You could never tell her she couldn't do something,
36:08
challenging,
36:09
and she was always popular with her friends.
36:12
So, a money habit that I tried to pass down to Vick,
36:16
but it didn't really stack,
36:18
is to always try and reduce your debt
36:21
and only buy what you need, not what you want.
36:25
It hasn't really stuck.
36:27
So, a Vick purchase that she's made was totally irrational,
36:33
but totally committed once it was made.
36:36
$600 dog bed.
36:38
I'm sure the dog wouldn't have no idea.
36:42
The dog bed was so much more comfortable.
36:45
A piece of financial advice which I wish someone had told me
36:50
is to take a long term view of your financial future
36:54
and how you're going to get there,
36:56
and then look at the implications along the way of your decisions.
36:59
I'm really proud of her commitment to the curve.
37:03
She gave up her higher income
37:07
and the security of fund managers,
37:10
career with a capital firm,
37:12
to promote financial literacy for women,
37:15
here and so for the creative and movement,
37:18
and we're starting to see change in New Zealand.
37:22
From this, the New Zealand government's just announced
37:25
that they're taking action by implementing financial education
37:28
into the school curriculum.
37:31
So that's really great.
37:33
And I think they've helped to push this
37:36
because to me it's a really important part of education.
37:41
Oh, said like a true accountant.
37:44
Sorry, my mom.
37:46
So I laid not the pleasure of the challenge.
37:50
The challenge.
37:52
Quite funny though,
37:54
but like just before when I was like,
37:56
you know, I just pushed the boundaries and I just,
38:00
she was like, she was a challenge.
38:02
All right, financial advice.
38:04
Well, it's not financial advice.
38:06
This is a financial big sister advice.
38:08
So this is absolutely not financial advice.
38:10
But if I was 18 and someone was like,
38:13
do you want to go and debt by $10,000
38:15
of this information that's going to teach you
38:17
how to split your pay and how to invest?
38:19
I would want 1,000 percent of pay.
38:21
I don't know what I would have done to get $10,000 at 18
38:23
but I would have absolutely done it.
38:25
Like in the last five years,
38:29
to be fair, probably only actually actionable
38:32
within the last sort of two and a half,
38:34
investing but most importantly,
38:36
learning how to split my bloody pay,
38:39
like to know what I should be spending on the things
38:42
that I need, what I should be spending on the things
38:44
that I want and then putting, like just spending less
38:47
than I earn and putting the rest of it away into investments.
38:50
Like, oh, I just, I find it sometimes really hard
38:54
to not kick myself for not doing the sooner.
38:56
But I just have to remember that,
38:58
you know, it's better to be learning now than not at all.
39:01
But don't, don't spend like an anxious mess
39:04
and just pull your card out every time you need to spend money.
39:07
Like it is so 2020.
39:10
Just don't do it.
39:12
Like you, we've got the education,
39:14
you've got free podcasts like this.
39:16
There's so many ways to learn.
39:18
And yeah, I honestly,
39:21
for anyone who is like a university student
39:24
or doesn't have the money to pay,
39:27
we have an investing course in the Investment Club.
39:30
There's actually a seven day free trial
39:32
so you could do it and literally just do it in seven days.
39:35
If you've got no money to pay for a membership, fine.
39:38
Honestly, I just think that this needs to be everywhere.
39:42
It is an incredible course.
39:44
And ironically, what your mum said about like,
39:47
what she said about teaching this in school,
39:49
like the fact that this isn't done is,
39:51
in fact, maybe we need to pitch our course to be played in schools
39:54
because it's so important and it was life-changing for me.
39:58
And it's also, it's like a Netflix.
40:00
It's like such an easy watch.
40:01
Get some popcorn, sit down, turn on our faces and...
40:04
We did a good job actually.
40:06
Like there's not many things I'll be blatantly open about being like,
40:10
that was really good.
40:12
Our investing course is fucking amazing.
40:15
I'm so proud of it.
40:16
My piece of financial sister advice,
40:19
despite what my mother says,
40:22
is to not spend money on material things.
40:27
Kind of is coming back to what you're saying,
40:29
just about financial education, right?
40:31
Like, if you can spend less than you earn
40:35
and you can master that,
40:38
you're going to be so much better off
40:40
than if you are spending more than you earn.
40:43
Do you know what I mean?
40:44
And then you can think about investing that money.
40:46
But if you can make sure that you are spending less than you earn,
40:48
you are going to be so incredibly wealthy,
40:50
way more wealthy than someone who might be earning
40:53
10 times your salary or double your salary.
40:56
You know, because you don't know if that person that's earning
41:00
a couple hundred thousand dollars more
41:03
has probably spend that they could be in debt to the eyeballs.
41:06
You know, you just,
41:07
it kind of comes back to my comparison one as well.
41:09
But it's all interrelated in that.
41:11
I don't spend your money on material things.
41:15
And yes, I was bad at that.
41:19
I have now learnt my lesson
41:22
that you know, it doesn't bring you joy.
41:25
It doesn't bring you comfort.
41:26
It doesn't bring you happiness.
41:27
It's creates more stress.
41:29
Do you know what I mean?
41:30
Especially if it's beyond your means.
41:32
And I think that is one piece of advice is that if you can make your
41:37
spending less than your earning,
41:39
you're going to be in a really, really healthy financial position.
41:43
It's a really good one.
41:45
I would say I would go back and hit myself in the face if I could.
41:51
My 18-year-old self who opted out of her kiwi saber,
41:55
aka pension, aka super,
41:58
honestly, if you are in your first job,
42:02
like actually this is true for anyone,
42:05
but especially if all you're paying for is drinks on the weekend.
42:10
If you are young enough to not have anything else to worry about
42:14
or very low costs, life costs,
42:17
and even if you don't prioritize paying the maximum that you can
42:22
into that account,
42:24
so firstly, do not opt out.
42:27
Secondly, if you can do the maximum contribution early,
42:32
the money comes out before it even hits your account,
42:35
you will be literally hundreds of thousands of dollars richer
42:41
when you're older, like just do it early.
42:44
I'm like, if I could go back,
42:47
I would be heading myself in the face with like a wet fish.
42:50
It was just the worst decision either.
42:52
I didn't tell anyone I was doing it.
42:54
My employer didn't tell me anything.
42:56
I had no idea what it even was.
42:58
I didn't even know that kiwi saber or super or pension
43:01
was money being invested.
43:03
I had absolutely no idea.
43:05
And I just wish someone had told me,
43:07
look, don't even think about it twice.
43:10
Make sure you're contributing the most that you can.
43:12
It comes out automatically from your pay.
43:14
Just trust me and do it.
43:15
That's what I would say.
43:16
And because adjusting your lifestyle
43:19
for an extra like one or two percent,
43:21
you're like, I kind of flying on from that
43:23
wish I had contributed more.
43:25
Do you know what I mean?
43:26
Because when I'm younger,
43:28
you're not noticing one or two percent more of your salary.
43:31
That's probably not eating out lunch once a week or something.
43:34
You're not just fee bulls-y.
43:36
Whereas now when you get closer to retirement,
43:39
having to find an extra couple of hundred grand
43:41
or whatever to make up that difference
43:44
that would have been if you had contributors
43:47
is much more difficult and much more impacting
43:50
on your lifestyle than a couple of percent early on.
43:54
Honestly, if someone had just shown me a graph
43:56
of the one that we do in our presentations
43:59
when we do corporate workshops
44:01
or we speak at events,
44:03
by the way, if anyone wants to still corporate work
44:05
or come into your workplace or school,
44:07
please let us know.
44:08
But we use this one graph
44:10
and it shows the compound interest.
44:12
Basically, it's the idea that the more that you invest early,
44:16
the better off you are.
44:17
But it is by hundreds and hundreds and hundreds of thousands
44:21
if you start early enough.
44:22
It's outrageous.
44:24
How much less you have to put away
44:26
because the longer that you've got it invested,
44:28
the more the money makes money on itself.
44:30
And I just like,
44:32
it should be like tattooed on everyone.
44:34
It's just so obvious and easy.
44:36
But if you don't know it, you don't know it.
44:38
They should do it when you leave the hospital
44:40
and you've had a baby.
44:41
They should give you a pamphlet that says,
44:43
hey, if you can afford to put, you know,
44:46
$10 a month.
44:48
I thought, you're going to say the baby should get a tattoo.
44:50
I was like, yeah, okay.
44:51
Oh, yeah, I mean, yeah.
44:53
My second piece of financial advice is,
44:56
ask for the pay rise.
44:57
Yeah, good one, that.
44:59
Yeah, I just think if you're sitting there going,
45:02
oh, but I don't know if I've contributed an hour
45:06
or if my boss will say yes,
45:08
or just bloody ask for it.
45:10
Just stop trying to rationalize,
45:12
not asking for it and ask for it
45:14
because for majority of women,
45:16
you will be getting paid less than an equivalent rule.
45:20
But if you need to do a shoulder tequila before you ask,
45:22
you know, like honestly, do whatever you need
45:24
to find the confidence to go and ask for a pay rise
45:26
because it is so important.
45:27
Yeah, maybe don't do it tequila short.
45:29
That was probably, no, I don't know.
45:30
Yeah, that'd be like, we can smile alcohol on your breath.
45:32
So we're actually going to deduct your pay.
45:34
We're actually fired.
45:35
No.
45:36
We're like, so thick.
45:38
But we actually have some really,
45:40
we have a really great podcast with Miggy Palmer
45:42
who talks about tips and ways to help you have the confidence
45:46
to ask because it is scary.
45:48
But yeah, I would just,
45:50
there was so many times that I rationalized not asking for one.
45:54
I was too scared.
45:56
And I would have just had a lot more money
45:59
and felt a lot more valued in those situations as well.
46:02
Also, just like don't be afraid to ask people around you
46:05
who you work with, what they earn.
46:07
Yeah.
46:08
Find a way that you feel comfortable with.
46:10
And in that episode, Miggy talks a lot about that
46:13
because you don't just want to go like ball out of a gate.
46:15
They're like, what do you get paid?
46:16
Do you want to give them context?
46:17
Do you want to explain why you're asking?
46:19
There's ways of doing it that's like textual, but it's so important.
46:22
I had a colleague come to me and go, hey, Vic,
46:24
just was wondering if you felt comfortable telling me how much
46:28
you get paid because I am about to ask.
46:30
And this was a male.
46:31
This was a male colleague.
46:32
Oh, that's cool.
46:33
And I was like, yeah, of course.
46:36
Like, even if it was a ballpark, it would have helped him.
46:39
Even if I was like, oh, actually, I don't feel comfortable telling you.
46:41
But this is roughly what I'm getting.
46:44
All my salary has gone up 20% this year.
46:47
At least that helps them with their discussions
46:50
and gives transparency, which is what we want at the end of the day.
46:54
Also, I think that the pace with this, which is really interesting,
46:59
is managers as much as they love you.
47:02
Well, they might not all love you.
47:04
But it's a business.
47:06
So for them, they have bandwidths that they need to keep things in,
47:10
blah, blah, blah, blah.
47:11
I was into the impression for a long time that I was being paid
47:13
heaps and really well, because that was how people made me feel.
47:17
But I actually had no idea.
47:19
I could have been being paid half, and I literally didn't know.
47:22
So I think that it's just, yeah, that's a really, really good one.
47:26
My last one is kind of rogue, also like maybe a bit controversial and all honesty.
47:35
And I think that this is going to change a lot in the next 10 years.
47:38
But I would just say the earlier that you start to think about
47:42
what you want your life to look like, and I know that that's really hard
47:46
when you're in your early 20s to be like, I want to have a baby.
47:49
And I want to move over this season.
47:51
I want to get like, you don't know, I get that.
47:53
But I would just say put money aside so that you have options.
47:56
Like I, one of the things lately, which again, like if you're new 20s,
48:01
this is going to feel like super.
48:04
I don't know like far away.
48:06
But I just wish that I had put money aside for things like,
48:11
if I want to get my eggs frozen and I actually want to focus on my career
48:14
and not go and have babies at 27.
48:18
But I know I have the option.
48:20
It's, those things are expensive.
48:22
That's like 14,000 New Zealand 7,000 pounds to go and do that.
48:26
I wanted to go on a big overseas trip at 28 when I had that giant burnout.
48:32
But I was over there most of the time worrying about money
48:36
and checking my account and having to scrimp and save.
48:38
And I just think that if you, if you try and give yourself some ballpark ideas
48:43
of some of the things that you want and you start putting money towards those things,
48:48
A, it's motivating, B, you like manifest those things into being reality.
48:54
But you have the money that gives you the choice to do things like that.
48:57
Like getting my eggs frozen something I've thought about since I was no shit 27.
49:02
And what am I now?
49:04
6 years later, still haven't done it.
49:07
It's so expensive.
49:09
But if I just at the time I thought about it, started putting aside $50,
49:13
that wouldn't have been such a stress.
49:15
And I just think as a woman, particularly,
49:19
you have no idea how quickly things change
49:23
and how much happens in a short space of time.
49:26
And I just think money is what gives you the option to do those things.
49:31
It's also a lot of life goals and life stages cost money, right?
49:35
Like if we're looking at the more traditional having children owning a house
49:39
like they all cost money.
49:41
So therefore you do need to plan.
49:43
You can't just wake up and be like today I want to buy a house
49:46
and not have a plan of how you're going to have it get the deposit
49:49
and you know how much it's going to cost you, how much you can borrow.
49:52
A lot of life goals cost money and need a financial plan behind them.
49:58
And use these things that pop up that you might not have had a financial plan for
50:05
but the more that you can kind of plan for the things that are in the plan,
50:10
the less kind of, I guess, stressful, the non-planned things become.
50:17
And that's kind of why we have emergency funds as well.
50:19
100% and actually emergency funds we talk about in the course as well.
50:22
So if you are interested in that, we'll put the details in the podcast show notes
50:26
for the club so that you can go and do that course because all of those skills
50:31
just in terms of saving, budgeting, knowing how to put money aside for goals is so important.
50:37
And it's all in the course.
50:38
Side note, if there's anybody listening to this podcast who is a similar age to us,
50:43
who is interested in the idea of egg freezing or has done it or whatever,
50:47
we've put together like a survey to try and get a bit of data together.
50:50
Like, how much should a cost? Where did you get it done?
50:52
How many eggs did you get? Love a blah, blah.
50:54
If this is you, would love to, would love to get any data.
50:58
All of God, we're talking about so many things.
51:00
The podcast show notes going to be very busy, but they'll be in there.
51:03
My last one, kind of related to my personal advice,
51:06
but it is, actually, it's quite interesting.
51:09
My mom was like, she left her job to start the curve.
51:14
She's such a risk taker.
51:15
I think investing isn't risky.
51:19
I think not investing is even more risky.
51:22
Oh, that's so good.
51:24
I love that.
51:25
Because if you're just sitting there and you've been learning about investing,
51:29
you haven't actually done anything or you've been putting off even learning about this stuff,
51:35
inflation is quietly eating away your money.
51:38
So you're actually putting your money at more risk by doing nothing with it.
51:44
And I think that's really important.
51:46
I'm not saying here, you know, go and invest your entire life savings in Bitcoin.
51:50
That is not what I'm talking about.
51:52
I'm saying, if we financially educate and talk about money
51:56
and it becomes more a part of conversation,
51:58
we, as a collective of women, will be able to make more informed decisions
52:06
that will help grow our wealth like, okay, I'm going to put my emergency fund in a term deposit
52:13
so that it is at least growing at the level of inflation.
52:16
So I'm not going backwards.
52:17
Like those little nuggets of what's in the course
52:19
and that is kind of something that I really want to hammer home
52:23
is that by doing nothing with your money right now, you're taking more risk.
52:28
Oh, what a mic drop moment.
52:31
It's so good.
52:32
I also loved this episode.
52:34
It was very cathartic.
52:35
cathartic, I love that word.
52:37
If you've listened to this to the end, congratulations.
52:40
Also, can you comment wherever you're listening
52:42
and just let us know what you thought of it?
52:43
We also would love to ask for anyone that feels comfortable,
52:47
yeah, wherever you are listening, commenting,
52:50
to let us know if there's any advice you have,
52:52
whether it's personal or financially related
52:54
because we'd love to share some more of those like on our socials.
52:57
So anything that pops up can be small big.
53:00
But I just think the more we share knowledge
53:02
and talk about the stuff, the more we all learn.
53:04
So yeah, hope you enjoyed the app and we'll see you soon.
53:09
See you.
53:10
And thanks.
53:11
Thanks, Mom.
53:12
Oh yeah, thanks, Mom.
53:13
Love you.
53:14
Love you.
53:15
Bye.
53:30
Okay, quickly, the curve was created to empower
53:33
and educate you about investing,
53:34
but we are not financial advisors.
53:36
Our platform exists for educational purposes only
53:38
and it doesn't provide personalized investing advice
53:41
for your individual needs and should not be relied upon
53:43
to make an investment or financial decision.
53:45
And always remember to do your own research
53:47
before making any investment or financial decision.
53:49
And if you're interested in investing,
53:51
you can find the link in the description
53:53
in the description box below.
53:55
Thank you.
53:56
And remember to do your own research
53:58
before making any investment or financial decision.
54:00
We're here for any knowledge and support you need,
54:02
but the final call is always yours.
54:04
And thanks for being here.
54:05
You got this.
54:06
Yeah, we know you got this.