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Life Lessons From The Chicks: Money In Your 20s · Two Broke Chicks

• 0:00
  Speaker 1: This podcast is recorded on gadigal Land, always was, always
• 0:03
  Speaker 1: will be Aboriginal Land. Hey Chicks, I'm out and I'm
• 0:13
  Speaker 1: su and this is Two Broke Chicks, the show that
• 0:15
  Speaker 1: shares life lessons and tips to make you rich in life.
• 0:19
  Speaker 1: And welcome back another week. Hey y'all, Hey y'all, Another Tuesday,
• 0:25
  Speaker 1: Another cheeky shoesday. So today we have got a little
• 0:29
  Speaker 1: community submissions vibe. So it's a life Lessons from the
• 0:33
  Speaker 1: Chicks episode. If you haven't listened to one of these before,
• 0:36
  Speaker 1: this is where you guys send in your tips, sexual
• 0:40
  Speaker 1: and your advice and we read them out, discuss, agree, disagree.
• 0:49
  Speaker 1: What's that thing called in Pitch Perfect? Your favorite movie?
• 0:53
  Speaker 2: Oh right, riff off?
• 0:54
  Speaker 1: Right? Yeah, well riff off. But before we get into
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  Speaker 1: the episode, we always start with our obsession of the
• 1:00
  Speaker 1: so Sally coming, what are you obsessed with?
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  Speaker 3: You know what I'm obsessed with this week, and it
• 1:06
  Speaker 3: is that Mac has relaunched twenty new and fan fave
• 1:11
  Speaker 3: nude shades across their lips and eyeshadows. Finally, honestly, when
• 1:19
  Speaker 3: you brought this across my desk, it was maybe one
• 1:21
  Speaker 3: of the best pieces of information I've received all year.
• 1:24
  Speaker 1: I can't believe it wasn't like on your radar before.
• 1:27
  Speaker 1: I know, well because I saw you had like a
• 1:29
  Speaker 1: Google for Nash yash.
• 1:32
  Speaker 2: Yeah.
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  Speaker 3: Well, I think I'd lost all hope because the last
• 1:35
  Speaker 3: few times I'd been into the Mac store they were like, no,
• 1:38
  Speaker 3: yet hasn't been reformulated, it's been discontinued, and I was like, Okay,
• 1:44
  Speaker 3: that's the worst feeling in the world, honestly, but now
• 1:47
  Speaker 3: the fact that it has been relaunched is the best
• 1:50
  Speaker 3: news ever.
• 1:51
  Speaker 1: Yeah, and there's a bunch of other nudes. And for
• 1:54
  Speaker 1: the cool toned girlies, if you like a cool toned lip,
• 1:58
  Speaker 1: there are so many. They also brought out a cool
• 2:00
  Speaker 1: toned spice, right.
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  Speaker 2: Yeah, yeah, so cool toned cool spice.
• 2:05
  Speaker 1: Also a cool toned velvet teddy.
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  Speaker 3: Yes, so very exciting, very nineties, very nineties, because a
• 2:13
  Speaker 3: lot of the shades like Velvet Teddy, Honey love Yash
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  Speaker 3: are all fan favorites. And I've seen lots of girlies
• 2:20
  Speaker 3: across TikTok very excited to.
• 2:22
  Speaker 2: Welcome I'm back, and I have one of them. What
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  Speaker 2: are you obsessed with?
• 2:25
  Speaker 1: I am obsessed with a new fake tan ooh so
• 2:31
  Speaker 1: I'm a fake tan girly through and through because one
• 2:34
  Speaker 1: sounds safety of course, two half Irish okay, and obviously okay,
• 2:42
  Speaker 1: there's nothing wrong with it. But I just like having
• 2:44
  Speaker 1: a little big glue. Yeah, I like having a little
• 2:46
  Speaker 1: bit of tin, But I don't want to go out
• 2:50
  Speaker 1: in the sun and I don't want to fake like
• 2:51
  Speaker 1: I don't want to do that vibe. Right, Yes, we
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  Speaker 1: have queens exactly, and so I feel like I have
• 2:58
  Speaker 1: tried every single tan on the market. I actually would
• 3:01
  Speaker 1: deem myself and crown myself a fake tan connoisseur. I
• 3:06
  Speaker 1: have been green. I've been fucking rainbow, purple, purple, whatever
• 3:12
  Speaker 1: you want it like. There is literally a photo of
• 3:14
  Speaker 1: me testing a fake tan and it was giving shrek
• 3:19
  Speaker 1: like it was green. But I was influenced by a
• 3:24
  Speaker 1: TikTok And it's this small Australian brand called romy Tan
• 3:30
  Speaker 1: two Eyes. I kid you not. This is, without a doubt,
• 3:35
  Speaker 1: the most natural looking fake tan I've ever put on.
• 3:39
  Speaker 1: It's dark, but not to the point of being like
• 3:43
  Speaker 1: that's too dark, and it is so like natural looking
• 3:48
  Speaker 1: that like it lasted. I didn't get like the tiger
• 3:51
  Speaker 1: cobblo vibe that like also I'm still like pretty tanned
• 3:56
  Speaker 1: now and it's been over two weeks, and yeah, like
• 4:01
  Speaker 1: it's just it's really really good.
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  Speaker 2: I feel like a moose.
• 4:04
  Speaker 1: Yeah it's a moose. And like I messaged the girl
• 4:09
  Speaker 1: or the brand and I just was like, I just
• 4:11
  Speaker 1: wanted to let you guys know.
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  Speaker 2: Like, good job.
• 4:14
  Speaker 1: I was like, this is going into your performance reviewing.
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  Speaker 1: Great work. And yeah, like also it sells out really quickly,
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  Speaker 1: so I need to stock up, I think, because it
• 4:26
  Speaker 1: was a three hour express one that I used. But
• 4:29
  Speaker 1: they've got a couple other products. I think I'm going
• 4:31
  Speaker 1: to try them out. But if you're in the market
• 4:33
  Speaker 1: for a new fake tan, this one I highly recommend.
• 4:36
  Speaker 1: It's also a brown base, so if you are a
• 4:39
  Speaker 1: Cereal fake tan or you'd know they're like green based,
• 4:42
  Speaker 1: violet based, sometimes orange base. This one's a brown based one,
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  Speaker 1: so if you're super fair, that undertone won't show up
• 4:50
  Speaker 1: too much on you, which is something that like I
• 4:52
  Speaker 1: have because I am quite fair.
• 4:54
  Speaker 2: Yeah, so if I use a.
• 4:56
  Speaker 1: Green one, it tends to look green on me. Yeah,
• 4:58
  Speaker 1: so I normally would have to use a violent one,
• 5:00
  Speaker 1: but that's still you know, it was touch and go.
• 5:03
  Speaker 1: Is this one I'd love it. It's really nice. All right.
• 5:06
  Speaker 1: Shall we get into our life lessons from the Chicks
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  Speaker 1: Money in your Twenties. Let's do it. Life lessons from
• 5:16
  Speaker 1: the Chicks Money in your Twenties. One, not everyone starts
• 5:20
  Speaker 1: on an even playing field, So your only comparison should
• 5:24
  Speaker 1: be yourself. Love it. We've discussed this quite a number
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  Speaker 1: of times, especially in relation to money, but comparison is
• 5:34
  Speaker 1: quite literally the thief of joy and a form of
• 5:38
  Speaker 1: self torture, like you are actually bleeding your joy and
• 5:43
  Speaker 1: happiness by comparing yourself to others. And you know how,
• 5:47
  Speaker 1: whatever I read, like a self improvement book, it becomes
• 5:49
  Speaker 1: my personality of the month. Yeah yeah, yeah. So we've
• 5:52
  Speaker 1: had like atomic habits, that was my personality. We've had
• 5:54
  Speaker 1: women live in deliciously, that was my personality. This month's
• 5:57
  Speaker 1: personality is to let them. Theory immel Robbins And there
• 6:01
  Speaker 1: is a section in this book and it talks about comparison,
• 6:05
  Speaker 1: and she actually talks about the theory of upward comparison
• 6:08
  Speaker 1: and how majority of people when comparing themselves, it's through
• 6:13
  Speaker 1: upward comparison. So it's about looking at other people and
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  Speaker 1: seeing what they have. So if you think they look
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  Speaker 1: prettier than you, if you think they have more money
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  Speaker 1: than you, if you think they're more successful than you,
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  Speaker 1: and you're comparing what you believe is your lack of
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  Speaker 1: success compared to their, So you're like comparing yourself upwards
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  Speaker 1: and putting yourself down, whereas most people don't do downward
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  Speaker 1: comparison in terms of realizing that when you actually compare
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  Speaker 1: yourself to the rest of the world, you're actually doing
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  Speaker 1: a lot better. Yeah, and should be a lot more
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  Speaker 1: grateful for what you do have and those things. And
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  Speaker 1: it's so interesting. I highly recommend I also go into
• 6:48
  Speaker 1: it on the Basic Bitch book Club podcast episode that
• 6:50
  Speaker 1: came out today, and I also talk about Scary Barbie
• 6:53
  Speaker 1: so link in the dis That one was a rabbit hole,
• 6:58
  Speaker 1: but it was just really really interes because when you
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  Speaker 1: do think about how you compare yourself, it is always
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  Speaker 1: to like the highlight reel of what's on social media,
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  Speaker 1: which half of it's fucking fake.
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  Speaker 2: Yeah, exactly.
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  Speaker 1: I feel like the TikTok band proved that when so
• 7:15
  Speaker 1: many My God influences came out and admitted that a
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  Speaker 1: lot of their content was based on lies. Yeah, like
• 7:22
  Speaker 1: we wouldn't even be able to do that because I
• 7:24
  Speaker 1: actually overshare.
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  Speaker 2: Yeah, but I wish that wasn't true.
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  Speaker 1: I'm like, I would make up a lie to lie,
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  Speaker 1: you know. But yeah, that I think that hits an
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  Speaker 1: l on the head that every time you're comparing yourself
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  Speaker 1: one half the time, it's not even true, like half
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  Speaker 1: the shit that you see people have, especially if their influences,
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  Speaker 1: like half of it's gifted. You know. It's like when
• 7:46
  Speaker 1: everyone had a Louis Baton that was actually a campaign. Yeah, exactly.
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  Speaker 3: And you also don't know the full story, like you
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  Speaker 3: don't know what's going on in their mind or how
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  Speaker 3: they got there, whether it was gifted, what their financial
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  Speaker 3: situation was or Yeah, you never know the full picture.
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  Speaker 3: So I think that is such a good reminder to
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  Speaker 3: have perspective and be grateful for what you do have,
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  Speaker 3: and also give yourself a little bit of forgiveness if
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  Speaker 3: you do feel like you're behind, especially in the money department.
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  Speaker 1: There's a quote from the book, and it says, if
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  Speaker 1: you're constantly playing a game of cards comparing your hand
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  Speaker 1: to someone who's better than you, you're always going to lose,
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  Speaker 1: and you'll succeed once you start playing with other players
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  Speaker 1: rather than against them. That notch in your brain? Yeah,
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  Speaker 1: does that make you and deal his hinges?
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  Speaker 2: Okay, next life lesson hit may hit, may not.
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  Speaker 3: Everything has to be a big brand just because it
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  Speaker 3: has a logo doesn't make it better.
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  Speaker 2: Fucking shmood, right.
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  Speaker 1: Yeah.
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  Speaker 3: I think we've done quite a few comparisons in the
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  Speaker 3: past where we've shown how some expensive, more expensive brands
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  Speaker 3: don't necessarily have the best quality, aren't necessarily made out
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  Speaker 3: of the best fabri compositions in comparison to a lot
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  Speaker 3: more affordable options.
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  Speaker 2: Like that's our entire Yep, that's how that's the gig.
• 9:07
  Speaker 2: That's the gig.
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  Speaker 3: And I think a lot of people do feel the
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  Speaker 3: pressure to buy brand name things.
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  Speaker 1: Especially younger people now, Like I now use this example
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  Speaker 1: a lot, but even when like fourteen year olds are
• 9:22
  Speaker 1: there with like a populistman bag and I'm like, that's
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  Speaker 1: just like I don't know, maybe I'm just an old
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  Speaker 1: man trapped in like twenty eight year old bisexual woman's body.
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  Speaker 1: But I'm like, that's too expensive. Yeah, go get your
• 9:36
  Speaker 1: soupre tote bag, put your pe stuff in it, and
• 9:39
  Speaker 1: go to school. Yeah, with your Rex oona body spray yeah,
• 9:43
  Speaker 1: and your chapstick yeah, not this deal lip oil. Then
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  Speaker 1: I'm like, if that's how much you're spending on shit
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  Speaker 1: when you're like fifteen, fuck, people can do with their
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  Speaker 1: money what they want. That's not me hating on it,
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  Speaker 1: but I'm just like, there is such a thing about
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  Speaker 1: brand and how it's sold and the difference of products
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  Speaker 1: that there is definitely brands that when you spend more,
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  Speaker 1: you get more one hundred thousand percent, But there are
• 10:11
  Speaker 1: also brands that it is just the logo that you
• 10:14
  Speaker 1: were paying for. Absolutely, and we've absolutely both fallen for
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  Speaker 1: shit like that. Like my biggest regret in life was
• 10:20
  Speaker 1: buying a designer handbag like five years ago, and I
• 10:22
  Speaker 1: still fucking hate that thing, still like looking at it being.
• 10:25
  Speaker 2: Like, damn you still you're at bad Yeah, exactly.
• 10:29
  Speaker 3: And that's why we do the Save All Splurge series
• 10:32
  Speaker 3: because sometimes we do say splurge, sometimes we do say
• 10:35
  Speaker 3: save yeah, And it pays to do the research and
• 10:38
  Speaker 3: know what you're looking for. And if you want to
• 10:42
  Speaker 3: get a designer item that's something that's always been on
• 10:44
  Speaker 3: your wish list, of course, that's totally within your prerogative
• 10:47
  Speaker 3: and right to do that. But I think it's having
• 10:49
  Speaker 3: the research and the knowledge behind you and knowing what.
• 10:52
  Speaker 1: And not getting it for the status of it, like
• 10:55
  Speaker 1: genuinely enjoy it, because we've seen so many times that
• 10:59
  Speaker 1: when people a designer item because it's trending, and then
• 11:02
  Speaker 1: as soon as it is not trending anymore, they don't
• 11:05
  Speaker 1: like it, and it's it's getting wrapped up in that.
• 11:07
  Speaker 1: But what was really interesting was another life lesson that
• 11:11
  Speaker 1: was sent in from one of the chicks, which is
• 11:12
  Speaker 1: kind of the counter to this, which I also do
• 11:16
  Speaker 1: agree with, is stop buying jupes. You're never happy and
• 11:21
  Speaker 1: want the real thing. Just save up. This is so
• 11:26
  Speaker 1: fucking real because like I'll give you an example and
• 11:30
  Speaker 1: it's so fucking basic. But if you want a really
• 11:35
  Speaker 1: really good tank, singlet sound likes what I'm about to say.
• 11:39
  Speaker 1: This is so rogue and like no one would think
• 11:42
  Speaker 1: of this, But Billabong have the best tanks. They're so
• 11:46
  Speaker 1: thick as two big bus girlies. They're bra friendly, like
• 11:50
  Speaker 1: they are so thick, they hold everything in. They look
• 11:54
  Speaker 1: really really nice. They're like this beautiful thick ribbed material
• 11:58
  Speaker 1: and we bought them ages ago. But my white one
• 12:01
  Speaker 1: as white tends to do absolutely just got butchered. And
• 12:05
  Speaker 1: I was like, I need a new white tank. But
• 12:08
  Speaker 1: these tanks are like forty five dollars.
• 12:10
  Speaker 3: Yeah, and that'd never go on side and they're like
• 12:14
  Speaker 3: forty five or forty nine and that's just a little
• 12:17
  Speaker 3: bit that little bit.
• 12:19
  Speaker 1: Too high for me for just a white tank. But
• 12:22
  Speaker 1: I like, I never I was like, okay, no, And
• 12:25
  Speaker 1: I bought over the spend of a year. So if
• 12:29
  Speaker 1: I got a gift voucher or if there was a
• 12:30
  Speaker 1: sale or something, I'd be like, yeah, I need a
• 12:32
  Speaker 1: white tank. So I get the white tank. But it
• 12:36
  Speaker 1: was never as good and I ended up spending more
• 12:40
  Speaker 1: on white tanks that were not the quality, that weren't
• 12:43
  Speaker 1: what I wanted when I should have just bought the
• 12:46
  Speaker 1: fucking BILLI bomb tank.
• 12:47
  Speaker 2: Yeah, And it was just being a stupid, all stupid
• 12:50
  Speaker 2: all still it all.
• 12:51
  Speaker 1: Like, And so this I do completely agree with. When
• 12:54
  Speaker 1: you know there's one specific item that you want and
• 12:59
  Speaker 1: that's one, just save up for forty five dollars yeah
• 13:04
  Speaker 1: and buy that one.
• 13:06
  Speaker 3: If the more expensive option does the job well for you,
• 13:09
  Speaker 3: and you're going to get the cost per wear and
• 13:10
  Speaker 3: you're going to get the cost per warre or use.
• 13:12
  Speaker 3: It's absolutely worth it, because I completely agree. I've done
• 13:15
  Speaker 3: this with a few makeup dupes before and.
• 13:18
  Speaker 1: Have really regretted it. Both of those two lessons can
• 13:22
  Speaker 1: be true at the same time. Exactly, you don't need
• 13:24
  Speaker 1: to buy something for the brand or the logo, but
• 13:29
  Speaker 1: sometimes you also are going to be wasting more money
• 13:33
  Speaker 1: buying cheap and dupes when really you just should save
• 13:37
  Speaker 1: up and get the high quality item. Yeah, it's not
• 13:41
  Speaker 1: that black and white, and I think that goes with
• 13:42
  Speaker 1: quite a few of these life lessons that like two
• 13:45
  Speaker 1: opposing opinions or lessons can be true at the same time. Yeah,
• 13:49
  Speaker 1: I think it just matters on what the actual product
• 13:51
  Speaker 1: is you're talking about.
• 13:53
  Speaker 3: Yeah, exactly. Next life lesson, it's better to build quiet
• 13:57
  Speaker 3: and real wealth than it is to have the image
• 14:00
  Speaker 3: of wealth on social media. Definitely, it can feel a
• 14:05
  Speaker 3: bit boring, just you know, focusing on investing or saving
• 14:09
  Speaker 3: all your money when you were like.
• 14:12
  Speaker 2: But I want to show that, you know, I got
• 14:14
  Speaker 2: a promotion.
• 14:14
  Speaker 3: I want to buy this new handbag and post a
• 14:17
  Speaker 3: photo on Instagram, or I want to go on like
• 14:20
  Speaker 3: a lavish holiday and share the stories all over and
• 14:26
  Speaker 3: especially if you haven't come from money too. Yeah, I
• 14:28
  Speaker 3: think I definitely did that when I got my first
• 14:31
  Speaker 3: job and I was getting paid like minimum wage, but
• 14:34
  Speaker 3: I'd gone from having no money ever.
• 14:37
  Speaker 1: The first paycheck when you get a full time job,
• 14:39
  Speaker 1: you're like, I am written, I think I tax. Then
• 14:43
  Speaker 1: you know how you get a full time job, and
• 14:46
  Speaker 1: then you try to calculate how much you'll get and
• 14:49
  Speaker 1: then you actually get your paycheck and the tax comes out,
• 14:52
  Speaker 1: and you're like, that was not what I thought it
• 14:54
  Speaker 1: was going to be.
• 14:55
  Speaker 2: Yeah, especially when you were paying off your hex stet too.
• 14:58
  Speaker 1: Don't talk about.
• 14:59
  Speaker 2: That said sad days.
• 15:02
  Speaker 3: But yeah, when I got my first paycheck, I think
• 15:05
  Speaker 3: my account balance went from literally zero dollars to seven
• 15:09
  Speaker 3: hundred dollars and I was like, oh my god, and
• 15:14
  Speaker 3: I just went crazy and basically spent all of that.
• 15:17
  Speaker 2: And this is when I was like seventeen and just on.
• 15:20
  Speaker 1: Shit because like where is it? Where is honestly?
• 15:24
  Speaker 3: Yeah, I wouldn't own a single thing that I would
• 15:26
  Speaker 3: have bought. Yeah, and it was just because I could,
• 15:29
  Speaker 3: and you know, I was like, yes, I finally can
• 15:32
  Speaker 3: like go out and do these things with it with
• 15:34
  Speaker 3: my friends. I can buy a new outfit for this event,
• 15:37
  Speaker 3: and I almost just was like, well, I have it,
• 15:40
  Speaker 3: so I want to show it off and show that
• 15:41
  Speaker 3: I actually finally have money.
• 15:43
  Speaker 2: You know, I can shout drinks for my friends or
• 15:46
  Speaker 2: take them for dinner whatever.
• 15:47
  Speaker 1: Get that from like a point, especially when like you know,
• 15:50
  Speaker 1: you've been the friend that you have to say sorry,
• 15:53
  Speaker 1: I can't come because I can't afford it right now,
• 15:55
  Speaker 1: or can we go to the movies instead because I'm
• 15:58
  Speaker 1: I just can't, you know, for a one hundred and
• 16:01
  Speaker 1: twenty dollar bottomless brunch where I get two drinks and
• 16:04
  Speaker 1: like one taco. You know, like I get that. I
• 16:07
  Speaker 1: get that. Sometimes we have this thing of being like no,
• 16:09
  Speaker 1: I want to show my hard work and what I've
• 16:12
  Speaker 1: achieved and stuff like that. But there was another life
• 16:15
  Speaker 1: lesson that I think kind of is the counterpart to
• 16:18
  Speaker 1: this as well, and can sent to you a little bit,
• 16:21
  Speaker 1: and it's stopped buying shit to impress people that you
• 16:26
  Speaker 1: don't even like or you don't even know. Yeah, you
• 16:29
  Speaker 1: don't need to impress anyone. They also don't care. People
• 16:31
  Speaker 1: who love you don't give a fuck if you've got
• 16:33
  Speaker 1: a Louis Vuitton bag one hundred percent it's better to
• 16:37
  Speaker 1: build quiet and real wealth than it is to have
• 16:39
  Speaker 1: the image of wealth on social media. This one's short
• 16:42
  Speaker 1: but sweet, but I really liked it, and that it's
• 16:45
  Speaker 1: okay to treat yourself, but if I get the treat
• 16:47
  Speaker 1: all the time, it's no longer a treat. One billion percent.
• 16:52
  Speaker 1: That's like where people fall into shopping addictions. So it's
• 16:55
  Speaker 1: because they get the dough for me and hit of
• 16:56
  Speaker 1: buying something like that's so fun and like that should
• 16:59
  Speaker 1: be enough to last you of like you don't need
• 17:01
  Speaker 1: to shop that often. Yeah, and then the more you shop,
• 17:05
  Speaker 1: the more that dopamine hit becomes less quality and less quality,
• 17:08
  Speaker 1: and you kind of need to chase that high.
• 17:10
  Speaker 2: Yeah.
• 17:10
  Speaker 1: So yeah, I think your treats little less.
• 17:14
  Speaker 2: Yeah, be real with yourself.
• 17:16
  Speaker 1: Yeah, Like it's okay. I love buying myself a little treat,
• 17:20
  Speaker 1: of course, which leads into our next one.
• 17:24
  Speaker 3: Don't stress about buying the daily coffee. It's worth it. Yes,
• 17:32
  Speaker 3: I'm so tired of people being like, oh, well, you
• 17:34
  Speaker 3: don't have a house because you buy your coffee every day.
• 17:37
  Speaker 2: Yeah you get but becomo, Yeah, I avocado on toast.
• 17:39
  Speaker 3: That whole rhetoric, Like, yes, of course, spending money on
• 17:44
  Speaker 3: coffee every day adds up absolutely, but in the grand
• 17:49
  Speaker 3: scheme of things, it's probably not going to buy your house.
• 17:52
  Speaker 1: It's not because there was actually a tweet that we
• 17:56
  Speaker 1: posted on Two Road Chicks as well, and it says
• 17:58
  Speaker 1: a five dollar ice latte is twenty five dollars a week,
• 18:01
  Speaker 1: one hundred dollars a month, and twelve hundred dollars a
• 18:03
  Speaker 1: year After ten years. That's twelve thousand dollars, which is
• 18:06
  Speaker 1: not even close to a house deposit. So enjoy your
• 18:09
  Speaker 1: ice latte, marcher and sweet treats in peace. And for
• 18:13
  Speaker 1: anyone who wants to fight with me on that, my
• 18:16
  Speaker 1: local cafe still does five dollar iced coffees. I know
• 18:19
  Speaker 1: that's rare occurs, but even if you put it to
• 18:22
  Speaker 1: like seven dollars, that's still not going to get you
• 18:25
  Speaker 1: a house deposit. Okay, this one's spicy, and I love it.
• 18:30
  Speaker 1: If you have to ask for money back from your friends,
• 18:34
  Speaker 1: they're not your friends. Jusy juicy. Seriously, though, if you
• 18:38
  Speaker 1: have to chase your friends up for the fifty dollars
• 18:41
  Speaker 1: they owe you from drinks, the one hundred dollars they
• 18:43
  Speaker 1: owe you from dinner, or what all the twenty bucks
• 18:46
  Speaker 1: for an uber that is not your friend. And we're
• 18:50
  Speaker 1: not talking about like, yeah, your friend bought you a
• 18:53
  Speaker 1: fucking coke zero that was three dollars and they're being like,
• 18:55
  Speaker 1: can you transfer me for three dollars? That's a bit silly.
• 18:58
  Speaker 1: But when you owe your friend, don't make them chase
• 19:02
  Speaker 1: you up. Don't make them have to awkwardly send you
• 19:04
  Speaker 1: a text and be like, hey, can you please transfer
• 19:08
  Speaker 1: me that money that you owe me, and that if
• 19:10
  Speaker 1: they have to follow up more than once, like that's
• 19:14
  Speaker 1: just rogue. And to be fair, sometimes you do just
• 19:16
  Speaker 1: forget of course sometimes and like that's fine, But there
• 19:20
  Speaker 1: are just people that you always have to chase.
• 19:24
  Speaker 3: Pay attention to the patterns of behavior, yeah, because you'll
• 19:28
  Speaker 3: notice if it's one friend who is going through a
• 19:31
  Speaker 3: really busy time at work and you've had to chase
• 19:33
  Speaker 3: them up twice, but usually they always pay you on time.
• 19:36
  Speaker 2: We're not talking about that.
• 19:37
  Speaker 3: It's the person that every single time you're always having
• 19:40
  Speaker 3: to chase them, or you know, you go to book
• 19:43
  Speaker 3: an uber and they're never the one to be like,
• 19:45
  Speaker 3: ohh book it, or you're getting uber eats and you're
• 19:49
  Speaker 3: always the one being like oh, buy it and you
• 19:51
  Speaker 3: transfer me.
• 19:52
  Speaker 1: Yeah, the thing is split it in the moment. Yeah,
• 19:56
  Speaker 1: split it in the moment. If you're getting an uber,
• 19:59
  Speaker 1: send them the split with a person like notification.
• 20:02
  Speaker 2: Yeah.
• 20:03
  Speaker 1: If you're at dinner, split it down the middle if
• 20:06
  Speaker 1: you can, or like, pay the twenty percent fee to
• 20:10
  Speaker 1: split the bill, whatever it is. Because chasing people is
• 20:13
  Speaker 1: such an uncomfortable thing to do, but it shouldn't because
• 20:17
  Speaker 1: you shouldn't even have to be chasing.
• 20:19
  Speaker 2: Yeah, exactly.
• 20:20
  Speaker 3: And it's a good reminder that if you do pay
• 20:23
  Speaker 3: for something for somebody, or you do lend somebody money,
• 20:27
  Speaker 3: you need to be comfortable with the reality that you
• 20:29
  Speaker 3: could potentially never get it back. Think about that every
• 20:33
  Speaker 3: single time. I may not get this back. Am I
• 20:36
  Speaker 3: comfortable with that? Because you never know?
• 20:39
  Speaker 1: Yeah. Yeah. If you are constantly awkwardly and uncomfortably having
• 20:42
  Speaker 1: to chase a friend up for money, they are not
• 20:45
  Speaker 1: your friend.
• 20:45
  Speaker 3: This was one of our most popular life lessons, submitted
• 20:48
  Speaker 3: by quite a.
• 20:48
  Speaker 1: Few chicks and I loved it.
• 20:50
  Speaker 3: And it's investing with a bonus tip round up on
• 20:55
  Speaker 3: investing apps is literally a blessing. A little a.
• 20:58
  Speaker 2: Day builds up in no time, which is so cool.
• 21:01
  Speaker 3: Because if you're new to investing and you're nervous about
• 21:05
  Speaker 3: it and you feel like it's a bit of a
• 21:07
  Speaker 3: risk to put a lot of money in investing because
• 21:08
  Speaker 3: you don't really know what you're doing.
• 21:10
  Speaker 2: There are apps like.
• 21:11
  Speaker 1: Rays this sounds so cool that.
• 21:14
  Speaker 3: Round up spare change from everyday purchasers and invest it
• 21:18
  Speaker 3: into a diversified portfolio of stocks and bonds for you,
• 21:23
  Speaker 3: so that it just does it in the background for you.
• 21:26
  Speaker 3: And that can be a really cool introduction to investing
• 21:28
  Speaker 3: as well. If you're a bit of a newbie and
• 21:31
  Speaker 3: you feel a bit scared putting a lot of money in,
• 21:33
  Speaker 3: then you can familiarize yourself with I guess the volatility
• 21:37
  Speaker 3: of the stock market and how it all works, and
• 21:39
  Speaker 3: get educated and then slowly but surely increase how much
• 21:43
  Speaker 3: you are investing. Or even if you are an investing pro,
• 21:47
  Speaker 3: why not then when you get coffee and it's six
• 21:49
  Speaker 3: dollars seventy, it'll round up that thirty cents and automatically
• 21:52
  Speaker 3: invest it for you.
• 21:53
  Speaker 1: How cool is that? I know that's my goal this year.
• 21:56
  Speaker 1: I really want to get more into it, okay, And
• 21:57
  Speaker 1: I wanted to end on this one because I think
• 22:00
  Speaker 1: it is a nice way to think about your money
• 22:03
  Speaker 1: as in general and in life, and that it's never
• 22:06
  Speaker 1: a waste of money if it's a good time and
• 22:08
  Speaker 1: it made memories. Money can be such a really difficult
• 22:11
  Speaker 1: topic to navigate. It can be very like have quite
• 22:14
  Speaker 1: a heavy weight to it. It can be very stressful.
• 22:16
  Speaker 1: It is very stressful. However, at the end of the day,
• 22:21
  Speaker 1: you're on this fucking big ball of rock to have
• 22:24
  Speaker 1: fun and love people, So let your money work to
• 22:29
  Speaker 1: get that for you. However, that is because let's all
• 22:33
  Speaker 1: kiss and.
• 22:33
  Speaker 3: Cuddle, yeah, you know, investing yourself and the good memories.
• 22:38
  Speaker 1: Yes, And there are times that, like, you know, things
• 22:41
  Speaker 1: have been expensive, but the next day, I'm like, fuck,
• 22:44
  Speaker 1: that was fun. Yeah, Like you know, every basically trip
• 22:48
  Speaker 1: we've been on, I'm like, you know, when the aud
• 22:51
  Speaker 1: is going into whatever foreignherrency, I'm like, how but those
• 22:56
  Speaker 1: memories are priceless, Like you actually can't put a on that.
• 23:01
  Speaker 1: And maybe it's even the act of writing down what
• 23:03
  Speaker 1: are the things that are priceless to you? What are
• 23:05
  Speaker 1: the things that you know that investment though, when that
• 23:09
  Speaker 1: money comes out of your account, what are you getting
• 23:11
  Speaker 1: in return from that? And maybe have a little think little,
• 23:13
  Speaker 1: think about that heit may with the advance with the cheeks.
• 23:20
  Speaker 2: Wow advice with the Chicky Chooks.
• 23:29
  Speaker 3: I'm a huge lover of your podcast and the energy,
• 23:32
  Speaker 3: love and kindness you.
• 23:33
  Speaker 1: In partly thank you.
• 23:36
  Speaker 3: I'm in need of some advice or anything remotely to
• 23:39
  Speaker 3: make me feel better.
• 23:40
  Speaker 1: Okay, I wrapped it in.
• 23:42
  Speaker 3: I recently moved away from Wollongong Shout out the Gung,
• 23:45
  Speaker 3: where I completed my nursing degree, to Newcastle, where I
• 23:48
  Speaker 3: would begin my new grad.
• 23:49
  Speaker 2: This June.
• 23:51
  Speaker 3: I got a job here, continuing working in disability support.
• 23:54
  Speaker 2: I was having a really rough time with this new job.
• 23:58
  Speaker 3: I was so underprepared and left in the deep end
• 24:00
  Speaker 3: with clients who had needs I was not trained enough
• 24:02
  Speaker 3: to support.
• 24:03
  Speaker 1: That would be really hard.
• 24:05
  Speaker 3: I stuck this out up until a few weeks ago
• 24:07
  Speaker 3: when I got a call offering to begin my new
• 24:10
  Speaker 3: grad in February instead. Okay, so like four months earlier.
• 24:13
  Speaker 3: This seemed like such great timing and a good sign.
• 24:16
  Speaker 3: As I was actively looking for other jobs, I was
• 24:19
  Speaker 3: so burnt out and felt like I needed a break
• 24:21
  Speaker 3: in order to prepare for the demands of my new
• 24:23
  Speaker 3: grad that I start in early feb start date is
• 24:26
  Speaker 3: actually on my birthday. Pisss ooh, pissies girls from Wollongong,
• 24:32
  Speaker 3: did you write.
• 24:35
  Speaker 2: Like I hate?
• 24:36
  Speaker 1: My coworkers.
• 24:39
  Speaker 2: Name is vow So just so.
• 24:43
  Speaker 3: After speaking with my partner, he supported my decision to
• 24:46
  Speaker 3: quit my DSW job. I did this happily and have
• 24:50
  Speaker 3: been trying to catch up with some family do my
• 24:52
  Speaker 3: hobbies like crochet, reading, spending time in.
• 24:55
  Speaker 2: Nature with my kelpie Charlie.
• 24:57
  Speaker 3: However, I've been feeling a lot of guilt about not
• 25:00
  Speaker 3: working and slowly seeing my bank account reflect as such,
• 25:03
  Speaker 3: especially because our rent here is nearly double that it
• 25:06
  Speaker 3: was in Wongong when we lived with two housemates. My
• 25:09
  Speaker 3: birthday is coming up and I do have a list
• 25:11
  Speaker 3: of things I've had my eye on that are genuine
• 25:14
  Speaker 3: gaps in my wardrobe.
• 25:15
  Speaker 2: Accessories and lifestyle.
• 25:17
  Speaker 3: I have spent some time on deepop and have purchased
• 25:20
  Speaker 3: some of these secondhand items that were on my list.
• 25:23
  Speaker 3: I guess what I'm asking advice for is how do
• 25:26
  Speaker 3: I navigate these feelings of guilt or embarrassment, especially whilst
• 25:29
  Speaker 3: not currently working. I feel like I've definitely engaged with
• 25:33
  Speaker 3: your advice about sourcing items that I genuinely need and
• 25:37
  Speaker 3: like at a more affordable and sustainable pace than I
• 25:39
  Speaker 3: once did. But when I have actually purchased the item,
• 25:44
  Speaker 3: I have felt deeply guilty. Thank you so much for
• 25:47
  Speaker 3: everything you guys do. Appreciate your time and energy you
• 25:50
  Speaker 3: give to your listeners and audience.
• 25:52
  Speaker 1: Kind of God, baby can see.
• 25:56
  Speaker 2: Come see here?
• 25:58
  Speaker 1: Okay, so one, okay, wait, actually let's bring it back.
• 26:02
  Speaker 1: Congratulations on your studies. Yeah, and that's amazing. You should
• 26:05
  Speaker 1: be so so so proud of yourself. The other thing
• 26:09
  Speaker 1: is that job definitely sounds like it wasn't feeding you.
• 26:13
  Speaker 1: It sounds way too stressful. That is such a really
• 26:16
  Speaker 1: common thing, especially for people that study within healthcare and
• 26:20
  Speaker 1: they go into prack or they go into their jobs
• 26:23
  Speaker 1: in the real world, and it's it's just more than
• 26:27
  Speaker 1: you know you're willing to take on. And that's fine,
• 26:29
  Speaker 1: And I just want to commend you for making that
• 26:34
  Speaker 1: decision because that decision in itself is really really hard
• 26:37
  Speaker 1: and to be able to walk away from something that
• 26:40
  Speaker 1: was stressing you out is really like commendable. So you
• 26:43
  Speaker 1: should be really really proud of yourself for that, and
• 26:45
  Speaker 1: it should be really excited for your studies. Happy birthday,
• 26:48
  Speaker 1: by the way, maybe that's when this episode comes out, right, Yeah, yeah,
• 26:56
  Speaker 1: I'll come in a pepper pig costume.
• 27:00
  Speaker 2: Job.
• 27:00
  Speaker 1: Yeah, that's my old job. Out to dress up as
• 27:02
  Speaker 1: a mascot wasn't good. So with the purchases, I understand
• 27:07
  Speaker 1: where you're coming from, with the fact that you're seeing
• 27:10
  Speaker 1: your bank account reflect your state of working. However, if
• 27:14
  Speaker 1: you're making purchases and it does sound like you're doing
• 27:17
  Speaker 1: this and you're being incredibly mindful and their needs they're
• 27:21
  Speaker 1: not want it, you're purchasing them on deep hop. You're
• 27:24
  Speaker 1: giving items, you know, a second chance. That's all good things.
• 27:28
  Speaker 1: That's not a bad thing, and you shouldn't necessarily feel
• 27:33
  Speaker 1: guilty for that. I'm wondering if the guilt is coming from,
• 27:37
  Speaker 1: is your partner paying for more than you are in
• 27:41
  Speaker 1: terms of like a money split and rent at the moment,
• 27:46
  Speaker 1: And if that's where your guilt is coming from, then
• 27:49
  Speaker 1: I completely understand that because it is very, very tricky
• 27:55
  Speaker 1: when one partner is paying for more than the other
• 27:59
  Speaker 1: because maybe you've gone back to study, or because maybe
• 28:03
  Speaker 1: even lost your job, not that happened to you, but
• 28:04
  Speaker 1: just talking.
• 28:05
  Speaker 2: And different incomes in different industries.
• 28:08
  Speaker 1: That I think even just maybe talking to your partner
• 28:13
  Speaker 1: and telling them that you feel guilty about these purchases,
• 28:18
  Speaker 1: they could maybe really help relieve some of that guilt
• 28:21
  Speaker 1: for you and help you feel a little bit less
• 28:26
  Speaker 1: bad about making these purchases because you're allowed to spend
• 28:31
  Speaker 1: the money that you worked for. But it's maybe about
• 28:35
  Speaker 1: figuring out why you feel guilty. What's the why that
• 28:40
  Speaker 1: is causing you to feel bad about spending this money.
• 28:45
  Speaker 1: Is it because you're stressed about, you know, future funds?
• 28:49
  Speaker 1: Is that what it is? Like, it's about figuring out
• 28:52
  Speaker 1: where that negative emotion is coming from, and then I
• 28:56
  Speaker 1: think you can figure out the next steps from there.
• 28:58
  Speaker 1: But if it's guilt, because maybe you're just paying for more,
• 29:01
  Speaker 1: which I'm sure you guys also had a conversation with beforehand. Anyway, Yeah,
• 29:06
  Speaker 1: maybe just have another conversation and they can either relieve
• 29:09
  Speaker 1: that stress or he might or they might or she
• 29:12
  Speaker 1: might say yeah, like I did notice, and you know,
• 29:16
  Speaker 1: blah blah blah, and then you can have a conversation
• 29:18
  Speaker 1: and I promise even if their response is yeah, I
• 29:22
  Speaker 1: actually kind of did notice that you bought a few things,
• 29:24
  Speaker 1: and I've been paying for things and I did feel
• 29:25
  Speaker 1: a certain type of way about it. You'll still feel
• 29:27
  Speaker 1: a lot better for even just having that conversation and
• 29:29
  Speaker 1: being open.
• 29:30
  Speaker 3: Yeah, well, they're not left wondering what they're thinking. You
• 29:33
  Speaker 3: know exactly what they're thinking, and then you can move
• 29:35
  Speaker 3: forward together and remind yourself as well that this isn't
• 29:38
  Speaker 3: going to be forever. Yeah, like you were at the
• 29:40
  Speaker 3: early stages of your career, and a lot of people
• 29:43
  Speaker 3: go through this, especially while they're still.
• 29:45
  Speaker 2: Studying, So this isn't going to be your life forever.
• 29:49
  Speaker 3: And it's totally normal to feel stressed or feel a
• 29:53
  Speaker 3: little bit of guilt or shame when you're not earning
• 29:57
  Speaker 3: a lot of money or you know, when you're in
• 29:59
  Speaker 3: this part of your career. I know I've definitely been there,
• 30:02
  Speaker 3: but yeah, I think have the conversation with your partner
• 30:06
  Speaker 3: if that's where the stress is coming from. Remind yourself
• 30:08
  Speaker 3: that this isn't going to be forever. It's just a
• 30:11
  Speaker 3: temporary part of your career, and potentially have a look
• 30:16
  Speaker 3: at your finances and be like, Okay, well maybe can
• 30:19
  Speaker 3: I build out a fun fund so I know that
• 30:22
  Speaker 3: this is exactly how much I can spend on my
• 30:24
  Speaker 3: deep hop purchases and having a little bit of a
• 30:28
  Speaker 3: boundary around that will make you feel more responsible, more
• 30:33
  Speaker 3: empowered with your money and that you're not spending beyond
• 30:36
  Speaker 3: those lines. And you know, no, I can't afford this,
• 30:38
  Speaker 3: I can't afford to buy this sink and deepot you.
• 30:40
  Speaker 1: Can even try and no spend month mm because those
• 30:43
  Speaker 1: always helpful, but maybe not for your birthday.
• 30:45
  Speaker 2: Yeah, do that in much yeay.
• 30:49
  Speaker 1: Wow, I don't even know what that noise was.
• 30:53
  Speaker 3: Thank you so much for writing in. If you're listening
• 30:55
  Speaker 3: and you're like, hey, that was solid advice. I've got
• 30:58
  Speaker 3: a dilemma of my own that I want to send.
• 31:00
  Speaker 3: We'll put the number to the Chicks hotline in the
• 31:03
  Speaker 3: description where you can send us a voice note or
• 31:06
  Speaker 3: a text, so you can send it in and we
• 31:08
  Speaker 3: may answer it on the show hot And on that note,
• 31:12
  Speaker 3: thanks to you chicks for sending in your life lessons
• 31:15
  Speaker 3: and for having us in your ear holes.
• 31:17
  Speaker 1: We'd love to be here.
• 31:18
  Speaker 3: And thank you to mik Made for making today's episode happen.
• 31:21
  Speaker 3: Love it bye, Chicks, love you say it be Yeah,