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The Fresh Start Your Money Actually Needs in 2026 (No Matter Where You’re Starting From) · She's On The Money

0:00
Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations
0:03
Speaker 1: woman and I'm here to acknowledge country t Glenn Young Ganya, Niana,
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Speaker 1: Kaka yah y and beIN Ahaka Nian Our gay In Mbini,
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Speaker 1: yakarum Jar Dominyamiga Umagahawaka Woman Damon Imlan Bumba ban Gadabomba
0:17
Speaker 1: in and now in wakah Ghana on yak rum Jar Waternata. Hello,
0:22
Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.
0:26
Speaker 1: We thank acknowledge and respect the Aboriginal people's land that
0:29
Speaker 1: we're gathering on today. Take pleasure in all the land
0:32
Speaker 1: and respect all that you see. She's on the Money
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Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,
0:42
Speaker 1: knowledge and resources for you to thrive.
0:45
Speaker 2: She's on the Money.
0:47
Speaker 3: She's on the Money.
1:07
Speaker 2: Hello and welcome to She's on the Money, the podcast
1:10
Speaker 2: that makes personal finance fun, especially in twenty twenty six.
1:15
Speaker 2: I'm Victoria Devine and with me are two of the
1:17
Speaker 2: most fabulous people in the entire world to talk about
1:20
Speaker 2: money with Miss Jess Grici and Miss Becksayes, And obviously
1:25
Speaker 2: it's the most fun Friday of the year. It's our
1:28
Speaker 2: very first episode of twenty twenty six. Happy New Year, Friend,
1:33
Speaker 2: Happy Year, guys. Crazy.
1:36
Speaker 4: Yeah.
1:36
Speaker 2: Now we have to write twenty twenty six on things.
1:39
Speaker 5: God, I've been preemptively doing it for like three months,
1:42
Speaker 5: like all over the end of last year, I kept
1:43
Speaker 5: just writing twenty twenty six on things.
1:45
Speaker 2: Well, didn't wish your life away? You know, Literally, I'm
1:48
Speaker 2: living in the past because like my issue was not
1:50
Speaker 2: that it was writing four on things. Yeah, I'm the same,
1:54
Speaker 2: I'm just stuck in the past. Anyway, We're going to
1:58
Speaker 2: be diving headfirst into New Year's energy this year with
2:01
Speaker 2: this episode, and we're going to be doing things a
2:03
Speaker 2: little bit differently.
2:04
Speaker 4: I know.
2:04
Speaker 2: I shook it up last time because we had our
2:06
Speaker 2: Christmas episode or our like you know, Boxing Day episode, whatever,
2:10
Speaker 2: we want to call it, last one of the year. Yeah,
2:12
Speaker 2: last one of you. And then this is the first
2:14
Speaker 2: one of the year. And I feel like they have
2:15
Speaker 2: to be different, right, They can't be the same stock
2:17
Speaker 2: standard thing that we do each and every year. And
2:20
Speaker 2: this week we asked our community to very important and
2:23
Speaker 2: two very big questions. We asked, what was your biggest
2:26
Speaker 2: money learning last year, and what was the small change
2:30
Speaker 2: you made that had the biggest impact on your finances?
2:34
Speaker 2: So I thought that later in the show we would
2:36
Speaker 2: share those instead of our usual like money wins and
2:39
Speaker 2: broke tips, so that we can all take like inspiration
2:42
Speaker 2: from each other, because is that not what community is about?
2:44
Speaker 2: Absolutely exactly. We'll also always we're not skipping a money dilemma.
2:49
Speaker 2: We like the juicy stuff, so we're going to be
2:51
Speaker 2: helping to answer a money dilemma. That's all about being
2:54
Speaker 2: overwhelmed about where to start when it comes to getting
2:57
Speaker 2: your finances on track and something that you slid into
2:59
Speaker 2: our Dmso what do you do when you realize your
3:01
Speaker 2: friends are kind of toxic when it comes to money
3:04
Speaker 2: and maybe you've outgrown them? How do you deal with that? Oh,
3:07
Speaker 2: trick you on, I've outgrown friends. I feel like I
3:09
Speaker 2: have some advice on this, and I don't know about you,
3:12
Speaker 2: but this is honestly one of my favorite times of
3:14
Speaker 2: the year. And it's honestly not because everyone needs to
3:17
Speaker 2: drastically change because the calendar flipped over to a new year,
3:20
Speaker 2: like it's not a new year, new me vibe, like
3:22
Speaker 2: we don't do that. You could change at any point
3:25
Speaker 2: in time. But I feel like there's like lots of
3:27
Speaker 2: hope and inspiration in the air, Like we're all talking
3:30
Speaker 2: about fresh starts and new beginnings, and everyone seems so
3:34
Speaker 2: much more open to embracing change when the calendar flips.
3:39
Speaker 3: I love it. I love a new union.
3:40
Speaker 2: I know I want to be like you can change
3:42
Speaker 2: any time. But also like there's just like extra winds,
3:46
Speaker 2: like the pep in your step, and I feel like
3:48
Speaker 2: we should make the most of it. And I feel
3:49
Speaker 2: like people are happy to start doing the work that
3:52
Speaker 2: is going to put themselves in a better position than
3:54
Speaker 2: they were the year before, and we should capitalize on that.
3:57
Speaker 2: We do financially, but also for you guy, financially, we
4:00
Speaker 2: should be like pumping the content that puts you in
4:02
Speaker 2: a position that is the best position of your life.
4:06
Speaker 2: So because of that, we know that we get And
4:09
Speaker 2: this is like one of my favorite things ever. If
4:12
Speaker 2: you look at the She's on the Money podcast listeners,
4:14
Speaker 2: every year, our biggest spike in listeners is January, and
4:18
Speaker 2: the reason for that is people are ready to change,
4:21
Speaker 2: and we get a whole heap of new friends joining
4:24
Speaker 2: the show. So if you're new here, Ah, welcome to
4:27
Speaker 2: the club. Welcome next to me, Welcome, we love you,
4:31
Speaker 2: we cannot wait to show you what we are all about.
4:33
Speaker 2: And also welcome to what we sometimes deem a little
4:36
Speaker 2: bit of a cult.
4:38
Speaker 3: I'm ready to have you in it.
4:39
Speaker 2: You're in, or maybe you've rejoined us, maybe you haven't
4:43
Speaker 2: listened in a while and you've just decided, you know
4:45
Speaker 2: what I need to get back on track. I'm going
4:47
Speaker 2: to jump back into She's on the Money, which is
4:48
Speaker 2: what we see a lot. Welcome back, my friends, come back.
4:51
Speaker 2: Come because you like exactly, we don't mind. Doors always open.
4:54
Speaker 2: Welcome back, and know that you are always welcome in
4:56
Speaker 2: the She's on the Money community. So I wanted to
5:00
Speaker 2: start this show off by asking everyone what do you want?
5:04
Speaker 2: And everyone, I mean you Beck and you Jess. There's
5:08
Speaker 2: so many people. What do you want our new listeners
5:10
Speaker 2: to know about Cheese on the Money or even just
5:12
Speaker 2: remind our existing very loyal community.
5:15
Speaker 3: About we have so many fantastic free resources. I feel
5:18
Speaker 3: like free stuff.
5:19
Speaker 5: Over the years, the team have really built up so
5:22
Speaker 5: many you We've got budget templates, we've got the savings hacks.
5:24
Speaker 3: We've got you need it, we got it. Maybe like
5:27
Speaker 3: that's what I'm gonna say.
5:28
Speaker 5: And we actually just put up a blog post yesterday
5:30
Speaker 5: with a bunch of links to all the different things.
5:33
Speaker 5: So if you are going TLDR, don't want to scroll
5:36
Speaker 5: to find the best stuff, we've done it for you.
5:38
Speaker 4: Yeah.
5:38
Speaker 2: Maybe we've hand picked it.
5:40
Speaker 5: Yeah, maybe I'm public in the show notes, so you
5:41
Speaker 5: can go have a look at that. But there is
5:43
Speaker 5: just so much good stuff there. We spend a lot
5:45
Speaker 5: of time working on our designed here are incredible, and
5:48
Speaker 5: I think that there's something for literally everyone, no matter
5:51
Speaker 5: what your goal is for the year, We've got a
5:53
Speaker 5: resource that will help you.
5:54
Speaker 2: Yeah. Absolutely, there's so many of them on our website
5:57
Speaker 2: that are free. Like, yes, when we redid our website,
6:00
Speaker 2: so we rebranded halfway through last year, just as context
6:03
Speaker 2: for people who might be new, Like if you're like, oh,
6:05
Speaker 2: I think I've heard of this show, but it looks different,
6:07
Speaker 2: we do. We've had a bit of a glow up.
6:09
Speaker 2: We finally could afford a rebrand or her. But we're
6:12
Speaker 2: going through that, and I was like, go, what the hell, Like,
6:15
Speaker 2: there are savings trackers, there are budget templates, there are
6:17
Speaker 2: links to so many different free things, and I actually
6:22
Speaker 2: didn't realize how out of control it had gotten because
6:24
Speaker 2: I'm like, oh, well, just and I say this all
6:25
Speaker 2: the time on the show, We'll just make this and
6:27
Speaker 2: pop it on the website, and then our whole team,
6:29
Speaker 2: like Victoria, stop promising things because we actually have to
6:32
Speaker 2: then put them on the internet. But Beck, what do
6:36
Speaker 2: you think is something that you really want our existing
6:38
Speaker 2: community that we know and love but also new friends
6:41
Speaker 2: to know about. She's on the money.
6:42
Speaker 3: I feel like I said something similar before, but I
6:44
Speaker 3: think that it is really helpful to know that. I
6:47
Speaker 3: don't think it matters where you are in your journey
6:50
Speaker 3: and who you are and what your background is, whether
6:54
Speaker 3: there are parts of your identity that make making money harder,
6:58
Speaker 3: or you are in a better position, or you've kind
7:01
Speaker 3: of started life in a better position. It doesn't matter
7:03
Speaker 3: where you're coming from. This community is for you, and
7:06
Speaker 3: it can be very hard to kind of get out
7:08
Speaker 3: of that mindset of being like, my situation is different,
7:11
Speaker 3: my situation is harder. If you take all the information
7:14
Speaker 3: that is available to you, you can tailor it to
7:16
Speaker 3: your own specific needs. So everyone's welcomed here and you
7:20
Speaker 3: will find things that are helpful no matter no matter
7:23
Speaker 3: who you are yeah, oh, thank you as the episode there,
7:28
Speaker 3: Actually that's what we do.
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Speaker 2: Mine's not as good as that. That's really wholesome.
7:34
Speaker 3: Thank you such a way.
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Speaker 2: Oh my goodness, thank you guys. I was kind of
7:37
Speaker 2: all thank you for that from me, like, yes, the
7:40
Speaker 2: community that we built together, true, we obsessed. All right,
7:45
Speaker 2: Well mine's not as exciting, but it's also very exciting.
7:47
Speaker 2: So my like thing that I want you guys to
7:50
Speaker 2: know about is the summer series that I've just put together.
7:54
Speaker 2: So one thing I adore about making money content is
7:57
Speaker 2: that the foundations are always exactly the same. And I
8:01
Speaker 2: don't know if you have been tracking these, beck you
8:03
Speaker 2: probably haven't because you just couldn't care less. You just
8:06
Speaker 2: come here to yap and have a really good time.
8:08
Speaker 2: But we have nearly a thousand episodes. If she's on
8:10
Speaker 2: the money, that's insane.
8:12
Speaker 3: Mind bubbling one.
8:13
Speaker 2: Thousand, isn't that insane? Yeah, it's a lot of talking,
8:16
Speaker 2: and we're actually going to hit that milestone this year.
8:19
Speaker 2: So I've worked out when we're going to hit it,
8:21
Speaker 2: and there will be celebrations. Yeah, we will have a party.
8:24
Speaker 2: I don't know, but we will have a thousandth something party.
8:28
Speaker 2: And if you scroll back to our very first episode,
8:31
Speaker 2: which might take you a little bit of time now apologies,
8:35
Speaker 2: you'll get something out of it. So this January, we
8:38
Speaker 2: are going to do something really different. I think a
8:40
Speaker 2: lot of people really want to start at the start,
8:41
Speaker 2: but that can be overwhelming with so many episodes floating around.
8:45
Speaker 2: So this is something that I'm calling our summer starter series,
8:49
Speaker 2: and I've gone back through our entire archive and I've
8:52
Speaker 2: found our best episodes for those of you who really
8:55
Speaker 2: want to start the year the right way. But when
8:56
Speaker 2: you look at the shees on the Money catalog, you're like,
8:59
Speaker 2: that's so overwhelming. There's so much Where do I even start?
9:02
Speaker 2: Which is a very valid question. So the first one
9:05
Speaker 2: drops tomorrow and it's a good one and the perfect
9:07
Speaker 2: first week of the year episode. So if you are
9:10
Speaker 2: new again, shameless, but like, can you please hit subscribe
9:14
Speaker 2: so that it pops up in your feed tomorrow and
9:16
Speaker 2: that you can have your finger on the pulse. And
9:19
Speaker 2: I would say it's the perfect thing for your twenty
9:21
Speaker 2: twenty six money resolutions. Also resolutions, do you guys set them?
9:25
Speaker 2: Are we setting resolutions this year?
9:27
Speaker 3: Are we doing that?
9:28
Speaker 2: Are we changing things? Are we putting new rules in place.
9:30
Speaker 2: I don't know loosely.
9:32
Speaker 3: I think it's more like I write a letter to
9:34
Speaker 3: myself on things that I want to maintain.
9:36
Speaker 2: Do you actually I do. I write myself and you
9:40
Speaker 2: just become more and more my favorite person time. Every
9:43
Speaker 2: time you talk, I'm like, look how cute she is? Though,
9:46
Speaker 2: Oh my god, Okay, this year is really a good start.
9:50
Speaker 2: It's a really good start.
9:52
Speaker 4: Thank you.
9:53
Speaker 3: It's incredible. I do write a letter to myself. I write,
9:55
Speaker 3: like where I'm sitting, I'll explain the situation, what I'm feeling,
9:59
Speaker 3: what I want to maintain. It's all just very like
10:01
Speaker 3: low not like not not hard to achieve, but it
10:06
Speaker 3: is just my mentality and what I want to feel
10:10
Speaker 3: emotionally at the end of the year.
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Speaker 2: Do you know what I mean?
10:13
Speaker 3: Yes, that's kind of what it is. What's on the list?
10:17
Speaker 3: Oh yes, she's like no private by that's okay if
10:20
Speaker 3: it is knowing not at all. I just like, you know,
10:23
Speaker 3: I want to like maintain connections with friends, and I
10:26
Speaker 3: want to like build new connections with new friends or
10:29
Speaker 3: strengthen old ones or whatever. And then if I'm right
10:32
Speaker 3: now feeling really happy or if I'm not, I would
10:35
Speaker 3: like to feel super happy, super content, super proud of myself.
10:38
Speaker 3: Whatever that looks like, go to the gym, because that
10:41
Speaker 3: will equate to like me feeling good about myself, you know.
10:44
Speaker 3: I think it's more about like feeling I want to
10:46
Speaker 3: be feeling, so just that kind of thing. Yeah, that's
10:49
Speaker 3: so good. So I suppose they are resolutions. Yeah, but
10:52
Speaker 3: you can call what if you want in like a
10:54
Speaker 3: round about way. I call my goals like goals.
10:56
Speaker 5: Not that it's any different really, but I always have
10:58
Speaker 5: like a list of goals and I don't want to
10:59
Speaker 5: work towards and I think.
11:00
Speaker 2: A lot of the guys just just brought up her
11:02
Speaker 2: notes section on her phone.
11:03
Speaker 3: Yes, that's really sweet. I'm a visual person.
11:07
Speaker 5: I think like a lot of my goals for this
11:08
Speaker 5: year will carry over from last year because they were
11:11
Speaker 5: like really good and like some of them I made
11:13
Speaker 5: some of them I didn't, and that's totally okay. I
11:15
Speaker 5: think a lot of the ones that I want to
11:16
Speaker 5: really focus on are related to like health and balance
11:19
Speaker 5: and stuff. I think I'm someone who gets so caught
11:22
Speaker 5: up in the things that I'm doing that I don't
11:24
Speaker 5: always make time for the important stuff. So like hit
11:27
Speaker 5: my ten k steps a day, or you know, I
11:30
Speaker 5: want to go to at least two pilates classes a week.
11:33
Speaker 5: This one I failed at so badly last year. Single
11:35
Speaker 5: digit screen time because my screen time is horrifically embarrassing.
11:39
Speaker 2: Work for a social media company. I appreciate that that's
11:45
Speaker 2: on you imagine Kiar as social media time, I would
11:48
Speaker 2: be through the roofs.
11:50
Speaker 5: Yeah, Like things like that that are You're just little
11:53
Speaker 5: reminders for myself, like, oh, if you don't meet it,
11:56
Speaker 5: it's not the end of the world. And I really
11:57
Speaker 5: try not to set goals that I don't think achievable,
12:00
Speaker 5: but just things that are I think that would help
12:02
Speaker 5: me to improve how I feel day to day.
12:05
Speaker 2: Yeah, how about you. I love that. I don't know,
12:07
Speaker 2: I haven't written down a list of goals. I want
12:10
Speaker 2: to do, not more, but I want to do better
12:14
Speaker 2: at the stuff that we already do, so go deeper
12:17
Speaker 2: on that. So like I want to do more investing content,
12:20
Speaker 2: but I want to go deeper, Like I'm not going
12:22
Speaker 2: to like start a new podcast, but does that make sense?
12:25
Speaker 2: So I want to do what we're doing well now,
12:27
Speaker 2: but like take it to the next level and do better.
12:30
Speaker 2: I think from a professional perspective. I have been thinking
12:34
Speaker 2: about this for a really long time, and I don't
12:35
Speaker 2: know if I want to verbalize it because I feel
12:37
Speaker 2: like it puts you you or me in a place
12:39
Speaker 2: where I now have to back it up. But it's
12:41
Speaker 2: a conversation I've been having, probably for the last eighteen
12:44
Speaker 2: months with my husband, with our team on and off.
12:47
Speaker 2: I really want to do a PhD. I really want
12:50
Speaker 2: to go back to university. I don't know how I'm
12:53
Speaker 2: going to manage that, but we just have this epic
12:55
Speaker 2: community here and she's on the money that give us
12:59
Speaker 2: so much data and so much information, and I'm just
13:02
Speaker 2: really hoping that I could potentially build Australia's largest long
13:06
Speaker 2: term study on women and money and to have this
13:09
Speaker 2: epic resource that is so gritty and so helpful and
13:14
Speaker 2: can be used in so many different ways, one for
13:17
Speaker 2: my PhD and the thesis that I would write, but
13:19
Speaker 2: to like that type of research would drive real lasting
13:24
Speaker 2: change and be really really powerful. And I've been thinking
13:28
Speaker 2: about it for so long and being in the position
13:30
Speaker 2: that I'm in, I'm able to do a PhD and
13:33
Speaker 2: be completely self funded, and I just think that would
13:36
Speaker 2: be really really cool. That's really cool. So I guess
13:39
Speaker 2: that's a personal and professional. Also, when I finish it,
13:43
Speaker 2: I could call myself doctor Dede. I think it's really cool.
13:47
Speaker 2: Like if anyone on an aeroplane goes we need a doctor,
13:49
Speaker 2: I won't be the one, but like you know, I
13:52
Speaker 2: feel like having your mail with doctor at the start.
13:56
Speaker 2: That's what go cool. Financially, it's just consistency, like I'll
14:00
Speaker 2: keep up my automated investments. I'll just keep things tracking along.
14:04
Speaker 2: I would say I want to budget better, but like
14:06
Speaker 2: I'm pretty good at that now, but I always want
14:08
Speaker 2: to have my finger on the pulse with that so that,
14:10
Speaker 2: like you know, lifestyle creep doesn't get too far out
14:14
Speaker 2: of control. And then I guess personally, like I just
14:18
Speaker 2: like Jess, I want to keep my body strong. I
14:19
Speaker 2: want to be more consistent, and do you know what,
14:21
Speaker 2: I'd really love to grow in my family, Like I
14:24
Speaker 2: really love another little Harvey. So we'll see where that
14:27
Speaker 2: takes us. Beautiful, but now away from us and back
14:31
Speaker 2: into our community and our listeners. This is the part
14:33
Speaker 2: of the episode where we usually share our community money
14:36
Speaker 2: wins and confessions, and then Bex broke tips. But in
14:39
Speaker 2: keeping with the new year's energy. For this episode, we
14:41
Speaker 2: asked for your biggest financial learnings from the last year
14:44
Speaker 2: and the small changes that you made that made the
14:46
Speaker 2: biggest impact to your finances. Jess has a list I
14:49
Speaker 2: should do. What were the community's biggest money learnings from
14:53
Speaker 2: this year.
14:53
Speaker 5: There's many good ones, starting off with Marina, who said
14:56
Speaker 5: spending more on groceries that she actually wanted to eat
15:00
Speaker 5: and liked dramatically reduced the overall food spending because she's
15:05
Speaker 5: less likely to get takeaway that's or by lunches at
15:07
Speaker 5: work or out to the shops for snacks and treats.
15:10
Speaker 5: She said she estimates that she saved around three thousand
15:13
Speaker 5: dollars in last year alone.
15:15
Speaker 3: What that's a great But.
15:16
Speaker 2: Also that is a fantastic tip because they're always talking
15:19
Speaker 2: about like bringing our groceries budget down, not up. But
15:22
Speaker 2: if you brought it up and it's full of stuff
15:24
Speaker 2: that you really like eating, you're not like, oh oh
15:27
Speaker 2: uber eats the pizza.
15:27
Speaker 3: You like absolutelyster in the fridge.
15:29
Speaker 2: And yes it was like the fancy like rigatoni or
15:32
Speaker 2: whatever that you brought from the fresh section, but like
15:34
Speaker 2: that's way cheaper. Yes, yes, very very that's smart. I
15:38
Speaker 2: love it.
15:39
Speaker 5: Next Sarah said that time in the market is better
15:41
Speaker 5: than time out of the market. Slow and steady investments work.
15:45
Speaker 5: That is exactly what you learned.
15:47
Speaker 2: Okay, Sarah, you are She's on the Money Integrated member.
15:50
Speaker 5: On the same page, Indigo Beautiful Name shared her investing
15:54
Speaker 5: learning as well, and she said that regular investing, even
15:57
Speaker 5: five dollars a fortnight, helps her to feel more confident
16:00
Speaker 5: about her financial future.
16:01
Speaker 2: I con cregiate it brilliant.
16:03
Speaker 5: Next Beack Excellent Name said getting clear on your money
16:06
Speaker 5: values is so important because when you spend in line
16:09
Speaker 5: with your values, rather than just trying to cut everything out,
16:12
Speaker 5: everything just becomes easier. Adore gorgeous Rihanna said working on
16:16
Speaker 5: her mental health means working on her money.
16:19
Speaker 3: Yes, a man say it louder.
16:21
Speaker 5: She said she's saved so much money this year because
16:23
Speaker 5: she's in a better place mentally and emotionally and doesn't
16:26
Speaker 5: feel the need to rely on her unhealthy coping mechanism
16:29
Speaker 5: of online shopping. She still buys clothes online, but now
16:32
Speaker 5: it's a conscious decision rather than a blind impulse.
16:35
Speaker 2: The door and the tie between mental health and money
16:38
Speaker 2: is insane, very strong.
16:40
Speaker 5: Absolutely, and then lastly, Pippett said, finding communities where I
16:45
Speaker 5: feel safe and understood has helped me to grow so
16:47
Speaker 5: much as a person. Spaces like SATM, fire and neurodivergent
16:51
Speaker 5: communities have made me happier and opened me up to
16:54
Speaker 5: the new ideas and opportunities I never would have considered before.
16:58
Speaker 2: Oh beautiful, yes, adore all right, I feel like that
17:03
Speaker 2: is a very good wrap. Chess over to you, Beck,
17:06
Speaker 2: What small changes did our community make last year that
17:08
Speaker 2: made a big impact on their finances?
17:11
Speaker 3: So well, thank you for asking. I do have a
17:13
Speaker 3: few here, so Indigo said. Instead of directing what I
17:17
Speaker 3: had left over to debt, I prioritized putting twenty percent
17:20
Speaker 3: of my income to it non negotiable and then did
17:24
Speaker 3: my budget off the rest I ended up paying off
17:26
Speaker 3: debt I thought was insurmountable.
17:29
Speaker 2: That's a good word.
17:30
Speaker 3: That is a good one, and that is a good strategy,
17:32
Speaker 3: and it's a good strategy that love then be this
17:36
Speaker 3: is a great name, Beck and.
17:38
Speaker 2: An Indigo twice.
17:40
Speaker 3: Now a lot of Beck's in the new year, and
17:42
Speaker 3: the Indigos turns out, so reaching out to Zella, finding
17:46
Speaker 3: out that I can actually afford to buy and putting
17:48
Speaker 3: a plan in place to buy my first home next year.
17:51
Speaker 2: That's a good idea. You should definitely reach out to
17:53
Speaker 2: Zeller if you want to buy in the next twelve months.
17:55
Speaker 2: We've got your back absolutely well. So thanks for picking
17:58
Speaker 2: that one, just a little stroke for me. Yeah, for
18:01
Speaker 2: those of you playing along who might be new here,
18:03
Speaker 2: we're excited about that because I own a mortgage broking
18:06
Speaker 2: business called Zella and we just love getting first home
18:10
Speaker 2: buyers into the market. It's literally our passion and what
18:13
Speaker 2: we work so hard for. So in the background, guys,
18:15
Speaker 2: I'm actually allegit financial yeah crazy, and that you.
18:19
Speaker 3: Wouldn't believe it.
18:21
Speaker 2: I don't.
18:22
Speaker 3: The sext one comes from Sarah, who says automating direct
18:25
Speaker 3: debit to investments so I no longer have to decide. Yeah,
18:28
Speaker 3: it's I.
18:29
Speaker 2: Feel like vituralist. This paralysis happens.
18:31
Speaker 3: Then agreed, agreed, agreed. Next one comes from Ilana, who says,
18:35
Speaker 3: set up proper auto payments for every single one of
18:38
Speaker 3: my bills like my rates, electricity, and water with sufficient
18:42
Speaker 3: amounts has meant I now actually pay my bills before
18:45
Speaker 3: they occur, and the most day, oh when I get
18:47
Speaker 3: the bill is a couple dollars it's been life changing.
18:50
Speaker 3: Knowing I'm covered all the time. That is so free,
18:53
Speaker 3: That is so freeing. If you do have that little
18:55
Speaker 3: bit of extra money, then it's a great idea. This
18:57
Speaker 3: last one is from Sarah, who says she's added asking
19:00
Speaker 3: herself if it's a want or a need and leaving
19:03
Speaker 3: things in her cart for forty eight hours, which is
19:06
Speaker 3: very Victoria di Vine double our recommended window, well done,
19:10
Speaker 3: double it. I love it.
19:12
Speaker 4: I love it.
19:13
Speaker 2: I feel like that's why at the start I said
19:15
Speaker 2: it's a little bit of a cult. You're not running
19:17
Speaker 2: a proper cult because we haven't worked out how to
19:19
Speaker 2: get you guys in and do all the trappy part.
19:22
Speaker 2: But like you will find that the terms that we use,
19:26
Speaker 2: the references that are U, they just kind of slip
19:29
Speaker 2: into your daily life. And that's what we want.
19:32
Speaker 5: Leave a comment if you're listening on Spotify, and tell
19:34
Speaker 5: us what your favorite catchphrase that we say all the
19:36
Speaker 5: time is.
19:36
Speaker 2: Because so many so attached a funny way, I will
19:40
Speaker 2: hear you. All Right, let's go to a really quick
19:44
Speaker 2: break and when we come back, we'll be helping to
19:45
Speaker 2: addser money dilemma. That's all about being overwhelmed about where
19:48
Speaker 2: to start when you need to get your finances on
19:50
Speaker 2: track and something you slid into Our dms about what
19:52
Speaker 2: do you do when you realize your friends are kind
19:54
Speaker 2: of toxic when it comes to money.
20:00
Speaker 3: Welcome back, everybody. Let's take a listen to this week's
20:02
Speaker 3: money dilemma.
20:09
Speaker 2: Hi, there, have you got a money dilemma you just
20:12
Speaker 2: can't solve? The She's on the Money team is here
20:14
Speaker 2: to help. Every week, we tackle your dilemmas, both big
20:18
Speaker 2: and small, to answer your most burning money, career and
20:20
Speaker 2: life questions.
20:21
Speaker 6: To get involved, simply head to our website and leave
20:24
Speaker 6: us a short voice recording and you might just find
20:26
Speaker 6: yourself on the show.
20:27
Speaker 2: Now, let's take a listen to this week's money dilemma.
20:33
Speaker 4: Hey, Victoria and the team. I'm just switching out because
20:37
Speaker 4: I have a bit of a money dilemma. It's kind
20:40
Speaker 4: of a big one. I've just separated from my partner.
20:45
Speaker 4: We've been married for eighteen years, we have two beautiful kids,
20:50
Speaker 4: and we're just starting to like get the divorce sorted.
20:55
Speaker 4: But he has managed our finances for the past eighteen years,
20:59
Speaker 4: and I am now having to manage my own and
21:04
Speaker 4: I have no clue what I'm doing. I've managed to
21:07
Speaker 4: say a little bit and I've tried to do a budget,
21:12
Speaker 4: but I just can't seem to stick to it. And yeah,
21:16
Speaker 4: I really need some guidance. I know you've got an
21:19
Speaker 4: amazing podcast. I've listened to a bunch of those episodes,
21:23
Speaker 4: but it's a bit overwhelming. I don't really know where
21:26
Speaker 4: to start other than going back and listening to every
21:29
Speaker 4: single podcast. I am time poor though, because I am
21:33
Speaker 4: studying and working three jobs, and I would just love
21:37
Speaker 4: some advice. So yes, I saw that you've got a
21:42
Speaker 4: course as well, So I don't know. Maybe that's where
21:45
Speaker 4: I should start, but yeah, you could let me know.
21:47
Speaker 2: Am I allowed to jump in first? Of course? I
21:50
Speaker 2: feel very passionate about this because I feel like you're
21:53
Speaker 2: doing all of the right things, all of the things
21:55
Speaker 2: that we suggest. We do have a podcast, we do
21:57
Speaker 2: have rebudgeting tips and tricks, but you actually need to
22:00
Speaker 2: zoom out, put us to the side, completely, sit down,
22:03
Speaker 2: what do you want? I feel like there were lots
22:05
Speaker 2: of and this is not criticism, but there was lots
22:08
Speaker 2: of I don't know what I want, I don't know
22:10
Speaker 2: where I'm starting, and that's telling me that you are
22:13
Speaker 2: lacking clarity. What are your life goals? What do you
22:15
Speaker 2: want to achieve? Is that financial freedom?
22:17
Speaker 1: Is it?
22:18
Speaker 2: You know, paying off debt? Like there was a lot
22:20
Speaker 2: of things that I was like, Oh, I want to
22:21
Speaker 2: dive into that and get more clarity on this. But
22:23
Speaker 2: it really feels like you're lacking a bit of clarity
22:26
Speaker 2: in your life. How can you stick to a budget
22:28
Speaker 2: when you've got no motivation to do so? Like, what's
22:31
Speaker 2: the point in sticking to a budget when you just
22:32
Speaker 2: don't even know why you're doing it? You're like, oh,
22:34
Speaker 2: I kind of know that I should be doing this.
22:36
Speaker 2: It's like I want to get my stuff together. You're
22:38
Speaker 2: clearly a hustler. You work three jobs and you're studying
22:42
Speaker 2: queen what Like, I just think, sit down with yourself
22:45
Speaker 2: and have a good hard chap, Like, ask yourself the
22:47
Speaker 2: question why do I want to budget? Like answer that
22:50
Speaker 2: it's going to be different for everybody. I think it's
22:53
Speaker 2: about this personal clarification and then we can come in
22:56
Speaker 2: with the tools and the resources to help you get there.
22:58
Speaker 2: But you're the one that needs to show up with
22:59
Speaker 2: the motive and the understanding of why you want to
23:02
Speaker 2: make change, of why you want to be in this position.
23:04
Speaker 2: Why do you want to create wealth? Why do you
23:07
Speaker 2: want to budget? Why do you want to understand your
23:09
Speaker 2: cash flow? Why the hell would you care about your superannuation?
23:12
Speaker 2: And it might all come back to, Okay, I really
23:14
Speaker 2: want to set myself up for the future, or you
23:16
Speaker 2: might say I really want to when I you know,
23:17
Speaker 2: am finished? You need buy a house? What does that
23:19
Speaker 2: look like? Or I want to be able to travel like.
23:22
Speaker 2: Everyone's going to have different motivations, But baby cakes, what's yours?
23:26
Speaker 5: Like?
23:26
Speaker 2: We need to actually double down and understand why do
23:29
Speaker 2: you want to hang out with us? What about your
23:32
Speaker 2: life is giving you stress? What about your situation needs
23:35
Speaker 2: to change? Because once you've got that, then we can
23:38
Speaker 2: give you the tools and resources and it feels good
23:40
Speaker 2: to use them as opposed to I did a budget,
23:43
Speaker 2: but I don't really look at it like that makes sense.
23:46
Speaker 2: We need to find the motivation, Jessica, what would you do?
23:48
Speaker 3: Oh, I'm just firs.
23:49
Speaker 5: I'm really sorry that you're going through this. I think
23:52
Speaker 5: it's really it's a tough situation. And this way we
23:54
Speaker 5: always recommend it, even if you're not the partner who
23:56
Speaker 5: looks after the finance primarily to make sure that you're
23:59
Speaker 5: kind of across the ins and outs, but it can
24:01
Speaker 5: be really confronting for you. After eighteen years, I can
24:04
Speaker 5: understand that it would feel really overwhelming, and so I
24:07
Speaker 5: want to validate that you're doing a good job. In
24:10
Speaker 5: the sense of the fact that you're looking at everything
24:12
Speaker 5: and wanting to improve is a fantastic thing. I think
24:16
Speaker 5: that from the budgeting side of things, if you haven't
24:18
Speaker 5: tried the shoes on the money free budget template, that
24:20
Speaker 5: is a really good place to start. We also have
24:22
Speaker 5: a great episode called budget Like a Boss that goes
24:25
Speaker 5: over like the ins and outs of you Victoria's recommended
24:28
Speaker 5: system and how you can make that all work. If
24:30
Speaker 5: you have done all of those things, Like you said,
24:32
Speaker 5: you had a budget and the problem you're having is
24:34
Speaker 5: you're not sticking to it. I think you need to
24:36
Speaker 5: look at why that is. Are you not sticking to
24:39
Speaker 5: the budget because the budget you've created is unrealistic and
24:41
Speaker 5: so you've given yourself one hundred dollars a week for groceries,
24:45
Speaker 5: but for you and the kids, it's actually one hundred
24:47
Speaker 5: and fifty dollars. Because if we're unrealistic in what we
24:50
Speaker 5: allocate in our budget, the budget is never going to work.
24:53
Speaker 5: So it's either you haven't allocated funds correctly or your
24:57
Speaker 5: impulse control needs work. And we're buying things maybe that
25:00
Speaker 5: we shouldn't or going out for dinners that we shouldn't.
25:03
Speaker 5: I don't know which the answer is for you, but
25:05
Speaker 5: take a look and figure it out. If it is
25:07
Speaker 5: that second option, if you are maybe spending a little
25:09
Speaker 5: bit more than you should. A bit of tough love
25:12
Speaker 5: for anyone who is in the same situation. We don't
25:15
Speaker 5: need to have or do everything, I think, especially for
25:18
Speaker 5: you right now in this season of change, you may
25:21
Speaker 5: just have to strip back to the bare bones.
25:23
Speaker 3: And I know that that's probably going to be hard.
25:24
Speaker 5: To navigate when you've got the kids and you don't
25:26
Speaker 5: want their lifestyle to feel like it changes. But you
25:29
Speaker 5: also need to give yourself grace, and there may be
25:32
Speaker 5: a period of time where, given how much work that
25:34
Speaker 5: you're doing in your study and all of these things,
25:37
Speaker 5: you can have everything that you want, but not all
25:38
Speaker 5: at once. As Victoria likes to say, and I think.
25:40
Speaker 2: That you need that's a quote you could put in
25:42
Speaker 2: a god.
25:42
Speaker 3: That's one of my personal favorites.
25:44
Speaker 2: I think.
25:46
Speaker 5: I think that you need to maybe just pull it
25:48
Speaker 5: back as far as you can to the bare bones,
25:50
Speaker 5: and also give yourself permission.
25:52
Speaker 3: To do that. Mmmm, that's a really your point. I
25:55
Speaker 3: am the same as you. Just I'm firstly, really really sorry.
25:59
Speaker 3: This sounds like a really feel.
26:00
Speaker 2: Bad that I just dove in and said find meaning
26:02
Speaker 2: and purpose, And you guys are both like, look, we're
26:05
Speaker 2: really sorry, Like me too, but we've got stuff to do.
26:09
Speaker 4: Sorry.
26:09
Speaker 2: Sorry, Yeah, that's not tough love, Like I want you
26:12
Speaker 2: to love your life.
26:14
Speaker 3: He's out. You can absolutely sorry, No, that's okay, but
26:17
Speaker 3: I do. You can't go back and fix things, but
26:19
Speaker 3: I really am. I get stressed for people who are
26:23
Speaker 3: who just let their partners do all the finance stuff
26:25
Speaker 3: and then like, if something happens, it is so risky
26:28
Speaker 3: because then you're like, I have no idea. If not,
26:30
Speaker 3: I don't know, I don't know where to start and
26:32
Speaker 3: know what to do, which is a reasonable thing to feel.
26:35
Speaker 3: I hope that your partner is like, let me help you,
26:37
Speaker 3: because we've built a life together and now you're just
26:40
Speaker 3: kind of like on your own. So I totally understand.
26:43
Speaker 3: I think it's worth mentioning that I'm noticing people are
26:46
Speaker 3: getting like harder and harder on themselves when the economy
26:49
Speaker 3: or the cost of living is getting higher and higher.
26:51
Speaker 3: But it's like some things are completely out of our control.
26:54
Speaker 3: We can't help that. Sometimes you can hustle and hustle
26:56
Speaker 3: and hustle. The cost of living is so extreme. It's
27:00
Speaker 3: not on us. It's actually just really hard to live
27:02
Speaker 3: right now. So I think there's a little bit of
27:05
Speaker 3: maybe it's a little bit of that too going on.
27:06
Speaker 3: So just what I'm saying is it's hard enough, don't
27:10
Speaker 3: be hard on yourself as well. But I think exactly
27:13
Speaker 3: as Jess says, try and see if there's anything that's
27:15
Speaker 3: like unrealistic in your budget. But I've also noticed that
27:18
Speaker 3: like honestly opening a billion Savers accounts with different names
27:23
Speaker 3: for each account and then putting money in there, so
27:26
Speaker 3: it's a lot easy to see, oh, I only have
27:29
Speaker 3: ten dollars for groceries this week, and then once that
27:32
Speaker 3: ten dollars right out, you're like, Okay, what am I
27:33
Speaker 3: dipping into? Sometimes you don't know what you're dipping into
27:36
Speaker 3: when there's just money in your account and you're like, oh,
27:39
Speaker 3: I'm sure that's fine, and then a bill comes and
27:41
Speaker 3: you're like, oh, my God, I have no money for that.
27:43
Speaker 3: But if it's in the bill's account, it's like I
27:45
Speaker 3: know that I'm dipping into bills. I know that I
27:47
Speaker 3: have to make that back, you know what I mean?
27:50
Speaker 3: And some people, Yeah, that's exactly how I set mine
27:53
Speaker 3: up to you. Yeah, it was good memory.
27:57
Speaker 2: I'm a psycho memory, great memory.
27:59
Speaker 3: So I think something like that where you can see
28:00
Speaker 3: where you're taking it out of, because then you kind
28:04
Speaker 3: of like it kind of makes more sense if you
28:06
Speaker 3: ever get to a place where you like, I can't
28:08
Speaker 3: of calld this. That makes sense because I took it
28:09
Speaker 3: out when I had to buy this and blah blah
28:11
Speaker 3: blah blah blah. Yeah, but don't be hard on yourself.
28:13
Speaker 2: Basically, yeah, could.
28:15
Speaker 3: We please perhaps here a juicy DM.
28:18
Speaker 2: We can, of course hear a juicy DM. Are you
28:20
Speaker 2: ready to astrapped in? So this week's one high queens.
28:24
Speaker 2: I've always lived paycheck to paycheck, but I found she's
28:27
Speaker 2: on the money in the last year, and I am
28:28
Speaker 2: proud to say I am making changes for the better.
28:31
Speaker 2: What I didn't expect was how much it would change
28:34
Speaker 2: how I see the people around me. I'm realizing my
28:37
Speaker 2: friendship group is toxic when it comes to money, there's
28:41
Speaker 2: a lot of spending beyond their means, normalizing consumer debt,
28:44
Speaker 2: and no interest in improving their situation. They're not bad people,
28:48
Speaker 2: but being around that energy makes it so hard for
28:52
Speaker 2: me to stay on track. I hate feeling like this
28:55
Speaker 2: because I don't want to sound judgmental, but I want
28:57
Speaker 2: to surround myself with people who want better for them
29:00
Speaker 2: else I wouldn't even know how to find these kinds
29:02
Speaker 2: of friends, and I don't want to throw away years
29:05
Speaker 2: of friendship. Can you please help?
29:07
Speaker 3: It's such a hard situation.
29:09
Speaker 5: I think you need to acknowledge that you do sometimes
29:11
Speaker 5: outgrow friends, and that's okay if your lives move in
29:14
Speaker 5: different directions, if you have different values. Because you were
29:16
Speaker 5: the sum of the seven people you spend the most
29:18
Speaker 5: time with, I think is what that study says.
29:20
Speaker 3: Like your habits, your behaviors.
29:22
Speaker 2: I don't even have seven friends.
29:24
Speaker 4: What does that mean.
29:26
Speaker 3: Some of the one, two, three of us that we
29:28
Speaker 3: spend the most time a elite. You're doing pretty well,
29:32
Speaker 3: but you know so.
29:33
Speaker 5: I think that the people you do surround yourself with
29:35
Speaker 5: really have a huge impact on your ability to meet
29:38
Speaker 5: and achieve your goals. With that being said, you also
29:40
Speaker 5: can absolutely have friends that I don't want to say
29:44
Speaker 5: service different parts of you, because like a friendship is
29:47
Speaker 5: not a transaction, but friends that you have, friends that
29:51
Speaker 5: support or fit in with different parts of your personality,
29:54
Speaker 5: Like no one person is everything to everyone, and so
29:57
Speaker 5: it may be that those friends that you've had for
29:59
Speaker 5: a long time, you have a great time when you're together.
30:02
Speaker 5: You love a board games night, you love an adventure,
30:05
Speaker 5: you love something like that, and that's okay. And maybe
30:08
Speaker 5: finding your people who have a similar passion for personal
30:13
Speaker 5: growth and making these kinds of life changes, being budget
30:17
Speaker 5: conscious and all of those things, maybe it's you need
30:19
Speaker 5: to bring additions in rather than necessarily having to let go.
30:24
Speaker 5: But with that being said, you did use the word toxic,
30:26
Speaker 5: and I do think if someone is toxic, you maybe
30:27
Speaker 5: do need to give them the boot, so you don't.
30:29
Speaker 3: Leave that to your best DISAGRETIONI In terms of how
30:32
Speaker 3: you meet.
30:32
Speaker 5: People, I think like online communities, the dishes in the
30:34
Speaker 5: one community is full of hundreds of thousands of incredible people.
30:38
Speaker 2: Lots of them have become real friends, lots of real life.
30:41
Speaker 5: Absolutely, maybe one day we'll bring back the events and
30:43
Speaker 5: you can meet people then, but also just like through
30:45
Speaker 5: the group itself, having conversations if you're not in the
30:48
Speaker 5: Facebook group. For anyone who's new, we have a Facebook
30:50
Speaker 5: group with over three hundred thousand in credits, wild people,
30:53
Speaker 5: so many people, and we have threads where you can
30:56
Speaker 5: comment and share ideas, and it's a great way to
30:58
Speaker 5: form connections with others. There is what I would perhaps
31:01
Speaker 5: suggest in real life. Otherwise, do think that you enjoy
31:05
Speaker 5: meet people out and about in the real world. I
31:08
Speaker 5: think like the power of a shared interest, a shared
31:11
Speaker 5: passion can connect you with someone in a really meaningful way.
31:16
Speaker 3: Also like sports teams, like social sport. All of my
31:19
Speaker 3: friends came from Frisbee everything, all of my close friends
31:22
Speaker 3: and my boyfriend.
31:22
Speaker 2: I think it's a really, that's a really. Yeah, it's
31:24
Speaker 2: a great Frisbee Frisbee get a whole family. Yeah, pretty much.
31:29
Speaker 3: I can completely understand the feeling of like maybe like
31:33
Speaker 3: learning something new or like finding a way of life
31:36
Speaker 3: that feels better for you, and then looking at the
31:38
Speaker 3: people that aren't doing those things and now seeing them
31:41
Speaker 3: in a different kind of light and being like, oh
31:43
Speaker 3: you like you are not changing, are not growing, and
31:47
Speaker 3: then feeling this kind of like almost like and I
31:51
Speaker 3: don't mean to sound bad, but like self righteousness almost
31:54
Speaker 3: in a way that is not It's not bad. I
31:59
Speaker 3: think it's your growth. You feel like the people around
32:01
Speaker 3: you aren't growing if they are toxic in a way
32:03
Speaker 3: that is like they're pushing you to ignore all that
32:08
Speaker 3: you've learned and pushing you to still be bad with
32:10
Speaker 3: money and like really not encouraging your growth, and also
32:16
Speaker 3: kind of like looking down.
32:17
Speaker 2: On you for changing in any kind of way.
32:19
Speaker 3: Then that is bad and you do need to unfortunately
32:21
Speaker 3: give them the boot, I would say. But if they
32:23
Speaker 3: are just not changing their own behavior but still supporting
32:26
Speaker 3: you and still being good friends in every other way,
32:29
Speaker 3: I don't see any problem with that. I think that
32:31
Speaker 3: it can be really hard to watch, especially knowing what
32:34
Speaker 3: you know now. But a friend told me this is
32:37
Speaker 3: more like in the sustainability environmental space. She said, the
32:41
Speaker 3: best way to spread awareness is to just do and
32:47
Speaker 3: do it kindly and do it gently, and people can
32:50
Speaker 3: maybe sometimes watch on and be curious and then want
32:52
Speaker 3: to change their own behavior. Yeah, but just doing and
32:54
Speaker 3: not telling to that, yeah, like just like being this
32:58
Speaker 3: kind of way, and like I'm we're talking about the environmental,
33:01
Speaker 3: but this can apply in your situation. But let's say
33:04
Speaker 3: like packing your own lunch using your reasonable straw, Like
33:07
Speaker 3: people will see what you're doing in the financial space
33:11
Speaker 3: and eventually see like, oh, this is probably like a
33:14
Speaker 3: better way to live in terms of being a little
33:16
Speaker 3: bit more stress free and then being curious but forcing
33:21
Speaker 3: it or telling people, And I know for sure you
33:24
Speaker 3: will not change unless you're ready to. And I'm still
33:29
Speaker 3: not super ready, so I still am not super changing.
33:33
Speaker 3: But you can't like push that on people. They just
33:36
Speaker 3: have to move in their own way.
33:38
Speaker 2: What do you think? I agree? I find it really
33:40
Speaker 2: hard because you use the word toxic, but then you
33:42
Speaker 2: also like backed up a little bit of what toxic
33:45
Speaker 2: meant to you. So you said they're spending a lot
33:48
Speaker 2: beyond their means, you know, they normalize their consumer debt
33:51
Speaker 2: and like they've got no interest in improving their situations.
33:55
Speaker 2: And that's fine, but people don't know what they don't know,
33:58
Speaker 2: and that I'm just going to pretend it's a very
34:02
Speaker 2: simple toxic thing, because like I have had genuinely toxic
34:05
Speaker 2: friends who have questioned, why would you do that? Don't
34:08
Speaker 2: you find it embarrassing? Posting on social media, or why
34:11
Speaker 2: do you even care so much about budgeting? You're so
34:13
Speaker 2: stuck up rah rah, Like that to me is toxic,
34:16
Speaker 2: need to get out of my life, toxic, toxic in
34:20
Speaker 2: your situation. Seems they just don't have access to the
34:23
Speaker 2: tools and the resources that you've discovered. And I think
34:26
Speaker 2: that you can gently lead by example, like what Beck
34:28
Speaker 2: was saying when they suggest let's go out for dinner,
34:30
Speaker 2: be like, oh my goodness, no, I really want to
34:33
Speaker 2: want to put more pressure on you guys saying the
34:35
Speaker 2: other day finance is really tough. Why don't we have
34:37
Speaker 2: dinner at my place? Small things that are steps in
34:40
Speaker 2: the right direction, I think could be a really good thing.
34:42
Speaker 2: And at the end of the day, just because they
34:44
Speaker 2: have normalized consumer debt for them doesn't mean you need
34:48
Speaker 2: to engage in it. It's like I have friends that vape.
34:52
Speaker 2: Just because they vape does not mean I have to vape.
34:55
Speaker 2: That's just not of interest to me. Is it a
34:57
Speaker 2: bad thing? I couldn't care less your body? True, But
35:00
Speaker 2: I think the same comes to money, Like if they're
35:03
Speaker 2: making decisions you wouldn't make, that does not impact you,
35:07
Speaker 2: Like that is actually, frankly none of your business unless
35:11
Speaker 2: they are encouraging you and you know, maybe not making
35:14
Speaker 2: you feel good about the decisions that you're making, at
35:16
Speaker 2: which point you would have to let them know that
35:19
Speaker 2: they're overstepping their boundaries, or that you're not comfortable with
35:22
Speaker 2: the way they're communicating, or even just going, oh my gosh,
35:25
Speaker 2: like that's so crazy. I listened to an episode about
35:28
Speaker 2: consumer debt the other day and how bad it can
35:30
Speaker 2: be for you. Maybe you want to have a listen.
35:31
Speaker 2: Here's link to a podcast. So for me, it's not
35:34
Speaker 2: necessarily toxic cut these people out, but yeah, maybe you
35:38
Speaker 2: do want to start surrounding yourself with people who are
35:40
Speaker 2: more like you. Like when you find a value that
35:42
Speaker 2: you have, or you find a hobby or an interest,
35:45
Speaker 2: you want other people to bounce off. Like it's kind
35:47
Speaker 2: of lonely doing this on your own, but like how fun.
35:50
Speaker 2: Like Jess and I talk about it all the time
35:51
Speaker 2: her thirteen saver accounts. What you're up to? How does
35:53
Speaker 2: that work? Oh, you're doing that all smart. I want
35:55
Speaker 2: to do that too, Like you can find more friends
35:58
Speaker 2: like that. You do have to look for them, though,
36:00
Speaker 2: because I find that making friends as an adult is
36:02
Speaker 2: ridiculously hard.
36:03
Speaker 3: Yeah. Much harder than when you're young.
36:05
Speaker 2: Oh so, first question I asked was what would you
36:08
Speaker 2: do if you were our community member? And forty percent
36:10
Speaker 2: of you said I'd stay friends. I'd just keep money
36:12
Speaker 2: out of the conversations. Thirty nine percent said I would
36:15
Speaker 2: set firm boundaries and then prioritize me. Thirteen percent said
36:19
Speaker 2: be honest about how you're feeling, and eight percent said
36:22
Speaker 2: you would quietly distance yourselves. I then asked, do your
36:25
Speaker 2: friendship support the future you're trying to build? Sixty eight
36:29
Speaker 2: percent said sometimes, but not everything in everyone. Twenty six
36:33
Speaker 2: percent said yeah, we're aligned, three percent said not really,
36:36
Speaker 2: and two percent said I've changed friends because of this.
36:40
Speaker 2: I don't even know how to change friends.
36:42
Speaker 3: Anither bit an awkward one, isn't it?
36:43
Speaker 2: Yeah, like, I totally get it. Then we asked the
36:45
Speaker 2: community or. I asked, what's your two cents? As I
36:48
Speaker 2: always do. First person said, just introduce your friends to
36:51
Speaker 2: She's on the Money. Boom, money problems solved, go get
36:54
Speaker 2: rich together absolutely. Next perstone said, they're friends, you're not married.
36:59
Speaker 2: How they spend their money is none of your business.
37:02
Speaker 2: Next person is using another She's on the money quote.
37:06
Speaker 2: Rising tide lifts soul ships. Yes, you could be an
37:09
Speaker 2: inspiration and set examples for when they are ready. So
37:13
Speaker 2: that's basically what Beck was saying. Another person said, don't
37:16
Speaker 2: define your friends by their money habits. They are still
37:19
Speaker 2: your friends, so focus on that is a very true.
37:22
Speaker 2: Next person said, I have lots of different friends with
37:24
Speaker 2: lots of different money and life goals and aspirations. It
37:27
Speaker 2: doesn't matter. And then the last one I'll share is
37:30
Speaker 2: this person said, I ask them if they think their
37:32
Speaker 2: financial decisions are smart, and now they're slowly getting better.
37:36
Speaker 4: There you go.
37:38
Speaker 2: I feel like that's a good place to be in, Like,
37:40
Speaker 2: let's just lead by example. Yeah, it doesn't mean people
37:43
Speaker 2: have to follow, Yeah, totally. Anyway, I feel like that's
37:46
Speaker 2: a really great place to leave it. Welcome to twenty
37:49
Speaker 2: twenty six, my friends. I'm so excited to be here.
37:52
Speaker 2: I'm just so excited for the year that's going to be.
37:54
Speaker 2: There's just so much planned. Our summer series is literally
37:57
Speaker 2: launching tomorrow, so jump on that, listen to our podcast,
38:01
Speaker 2: go download all of our free stuff, and we just
38:03
Speaker 2: we've got so many exciting things coming up in twenty
38:05
Speaker 2: twenty six that we can't wait to share with you.
38:07
Speaker 2: You see later. Guys, Bye guys.
38:09
Speaker 6: By The advice shared on She's on the Money is
38:18
Speaker 6: general in nature and does not consider your individual circumstances.
38:22
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Speaker 6: should not be relied upon to make an investment or
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Speaker 6: financial decision. If you do choose to buy a financial product,
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