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Reflecting on the year of 2021, setting goals for 2022 · She's On The Money

• 0:00
  Speaker 1: She's on the Money.
• 0:02
  Speaker 2: She's on the Money.
• 0:23
  Speaker 3: Hello, and welcome to She's on the Money, the podcast
• 0:26
  Speaker 3: for Millennials who Want Financial Freedom. Twenty twenty one wasn't
• 0:31
  Speaker 3: quite the relief we all expected. It's been another long
• 0:35
  Speaker 3: and difficult year, and while there are probably some moments
• 0:38
  Speaker 3: we'd rather forget, in today's episode, we want to take
• 0:41
  Speaker 3: a look back at what we've all achieved and learned.
• 0:45
  Speaker 3: Plus we want to talk about goal setting as we
• 0:47
  Speaker 3: move into twenty twenty two. Hey, yeah, my name is
• 0:52
  Speaker 3: Georgia King, and joining me for our very first deep
• 0:55
  Speaker 3: dive of twenty twenty two is Victoria fine Fee.
• 1:01
  Speaker 1: Hello Georgia King.
• 1:03
  Speaker 3: Well, good to see you looking very fresh in early go.
• 1:07
  Speaker 1: Thank you. It's the active weear, isn't it. It's definitely
• 1:11
  Speaker 1: the active where That is the one thing I am
• 1:13
  Speaker 1: taking into twenty twenty two, and that is my love
• 1:15
  Speaker 1: for wearing activewear to every Okay.
• 1:17
  Speaker 4: The active words coming, I love it.
• 1:20
  Speaker 3: Tell me about your twenty twenty one It did have
• 1:24
  Speaker 3: like garbage fire energy carried over from twenty twenty.
• 1:27
  Speaker 4: Please be honest.
• 1:27
  Speaker 1: We thought we were done in twenty twenty with the
• 1:30
  Speaker 1: hear of the garbage fire. Yet here we are talking
• 1:33
  Speaker 1: about twenty twenty one in the same vein, but in
• 1:36
  Speaker 1: saying that we always like to see the positive in everything,
• 1:39
  Speaker 1: and twenty twenty one was a gorgeous year. I mean,
• 1:42
  Speaker 1: I wrote a book, Let's just be a little bit
• 1:45
  Speaker 1: self promotional for what second? That was pretty cool, and
• 1:49
  Speaker 1: the She's on the money community literally doubled, Like can
• 1:53
  Speaker 1: you believe that? That's why we started twenty twenty one
• 1:56
  Speaker 1: with half the amount of community members that we have today,
• 1:59
  Speaker 1: and that that type of growth, Guys, that's big, like
• 2:02
  Speaker 1: fifty percent return, Like we like those numbers, We really
• 2:07
  Speaker 1: like those numbers. But honestly, I could not be more
• 2:09
  Speaker 1: grateful for the community. And then obviously, to talk about
• 2:13
  Speaker 1: my personal life for a hot second, gee I got engaged,
• 2:16
  Speaker 1: she got.
• 2:17
  Speaker 4: Planning her wedding.
• 2:18
  Speaker 1: Oh my gosh, I'm planning a wedding. So I have
• 2:21
  Speaker 1: lots of things that I need to set goals for
• 2:23
  Speaker 1: and budgets for in twenty twenty two, because, to be honest,
• 2:26
  Speaker 1: setting budgets it's feeling a little bit overwhelming. Because George
• 2:30
  Speaker 1: in very very exciting news. We've booked in a wedding.
• 2:35
  Speaker 4: It's going to happen this Yeah, it's going to happen
• 2:37
  Speaker 4: in twenty twenty two.
• 2:38
  Speaker 1: And I'm literally so excited. And I've never felt more
• 2:42
  Speaker 1: sick because I'm starting to get quotes back for how
• 2:46
  Speaker 1: much wedding stuff costs. And I'm telling you right now,
• 2:49
  Speaker 1: this ame it. This ain't it?
• 2:51
  Speaker 3: Girl, girl girl, But it's so exciting. You've had a mass.
• 2:54
  Speaker 1: Honestly, it's so excited. I feel like I have had
• 2:56
  Speaker 1: a massive year, and getting engaged was honestly the I
• 3:00
  Speaker 1: on the cake that I feel like we really needed.
• 3:03
  Speaker 1: Like we had had a flat year, Like you know,
• 3:05
  Speaker 1: there was so many things that we didn't get to celebrate,
• 3:08
  Speaker 1: Like we didn't get to celebrate the book launch, and
• 3:11
  Speaker 1: you know, obviously online we definitely shouted about it and
• 3:14
  Speaker 1: got to celebrate it, but it's just not the same
• 3:16
  Speaker 1: as being able to talk to people in person. So
• 3:19
  Speaker 1: I just feel like twenty twenty two for us and
• 3:21
  Speaker 1: for Shees On the Money is going to be a
• 3:23
  Speaker 1: very in person year. Like I want to do so
• 3:26
  Speaker 1: many events. I want to do live podcasts. I just
• 3:29
  Speaker 1: want to get out there. I want to meet our community.
• 3:31
  Speaker 1: I want to hug them. I don't care. I'm not COVID.
• 3:34
  Speaker 1: I want to share stories and just you know, know
• 3:37
  Speaker 1: more about you guys. So it'll be a very special year.
• 3:40
  Speaker 1: I am hoping. Yay.
• 3:42
  Speaker 4: Oh that's exciting.
• 3:43
  Speaker 1: But gre last year it was a bit of a
• 3:46
  Speaker 1: dumpster fire. I get it. We thought that twenty twenty
• 3:49
  Speaker 1: was a dumpster fire year. It was not. It was
• 3:51
  Speaker 1: also twenty twenty one. But you were saying before, you
• 3:55
  Speaker 1: were like, oh it was pretty flat year. Girl. No,
• 3:59
  Speaker 1: you graduate, you have another degree under your belt. Who
• 4:02
  Speaker 1: is she?
• 4:03
  Speaker 4: Two degrees?
• 4:05
  Speaker 1: Yeah?
• 4:05
  Speaker 3: I guess that's exciting, isn't it the old master being done?
• 4:08
  Speaker 1: And that's exciting. That's literally an achievement that is worthy
• 4:14
  Speaker 1: of celebration, Like that is so cool, Like you're a master?
• 4:18
  Speaker 4: Who is she?
• 4:19
  Speaker 3: A master of a dying industry that I'll never be
• 4:21
  Speaker 3: employed in? But that's okay, we push on and we sorry.
• 4:25
  Speaker 1: What was that industry?
• 4:27
  Speaker 4: Journalism?
• 4:27
  Speaker 1: Technically is this journalism? Let's call it.
• 4:31
  Speaker 3: Small like creative writing present, but you know it's in
• 4:34
  Speaker 3: the media, so it counts. All right, let's go with that.
• 4:37
  Speaker 3: We'll stay positive, all right, Right.
• 4:39
  Speaker 4: That counts.
• 4:39
  Speaker 3: That counts. She counts, No, it has. It has been
• 4:44
  Speaker 3: a really another quite difficult year, I guess but we made.
• 4:49
  Speaker 4: It to the end. We're at a fresh year.
• 4:51
  Speaker 3: I'm feeling quite rejuvenated, which I love after a big
• 4:54
  Speaker 3: festive period. But the I wanted to ask you about
• 4:58
  Speaker 3: the importance of looking back on the year that was,
• 5:02
  Speaker 3: if it even is important, because you know, it can
• 5:05
  Speaker 3: be quite intimidating to look back at the last year,
• 5:08
  Speaker 3: in the last two years and think, gee, what have
• 5:10
  Speaker 3: I actually learned? But would you say it still is
• 5:13
  Speaker 3: quite important to do that to help inform what we'll
• 5:15
  Speaker 3: be doing moving forward.
• 5:16
  Speaker 1: Of course, if we don't know where we've been and
• 5:18
  Speaker 1: we don't honor the journey that we've been on, how
• 5:21
  Speaker 1: are we going to see the value in the journeys
• 5:24
  Speaker 1: that we're going on in the future. That sounds really fluffy,
• 5:26
  Speaker 1: and I don't mean it to be, but to be
• 5:28
  Speaker 1: really genuine, like you can't have the sunshine without a
• 5:31
  Speaker 1: little rain, Like you actually have to have gone through
• 5:35
  Speaker 1: some levels of negativity or some level of hardship to
• 5:38
  Speaker 1: really appreciate what we have in the hearing now. And
• 5:41
  Speaker 1: I know that that sounds super cliche, but in a way,
• 5:45
  Speaker 1: I'm grateful that as a community we've gone through such
• 5:48
  Speaker 1: hardship and I know that coming out the other side
• 5:51
  Speaker 1: is going to look very different to very different people.
• 5:54
  Speaker 1: But to have gone through everything that we've gone through
• 5:57
  Speaker 1: to now coming out in twenty twenty two and hopefully
• 6:01
  Speaker 1: we're not going to go into any other lockdowns, and
• 6:03
  Speaker 1: you know, we're being promised that, but who knows. Anything
• 6:06
  Speaker 1: could happen. But it's just it's very cool to think
• 6:09
  Speaker 1: that we've gone through so many things, we've survived, and
• 6:13
  Speaker 1: we get to go above and beyond for the next
• 6:16
  Speaker 1: year and really honor the journey that we've been on
• 6:18
  Speaker 1: and go, you know what we missed out, but what
• 6:20
  Speaker 1: are we going to do this year? And some of
• 6:22
  Speaker 1: us are going to be like, oh my gosh, yes,
• 6:23
  Speaker 1: Victoria twenty twenty one was so challenging, but I've never
• 6:26
  Speaker 1: saved more in my life. Or some people are going
• 6:29
  Speaker 1: to turn around and be like, look, VI, it was
• 6:30
  Speaker 1: so hard. I literally struggled financially. I'm still looking for
• 6:34
  Speaker 1: a job. But oh my gosh, how lucky am I
• 6:38
  Speaker 1: to still be around and have a good community and
• 6:40
  Speaker 1: be surrounded by friends and family. I just feel like
• 6:43
  Speaker 1: there's lots of different stories that are going to continue
• 6:46
  Speaker 1: to come out over the next twelve months. And lots
• 6:49
  Speaker 1: of flourishing stories from twenty twenty two, seeing people go
• 6:53
  Speaker 1: from strength to strength, and I just think that we
• 6:56
  Speaker 1: really do need to learn from the year that was
• 6:59
  Speaker 1: so we can have the best year yet totally. I
• 7:02
  Speaker 1: think it also really makes you appreciate the smaller things.
• 7:06
  Speaker 1: And the other thing I wanted to add was just
• 7:07
  Speaker 1: how special it is that we've.
• 7:09
  Speaker 4: All kind of gone through this.
• 7:11
  Speaker 3: Hideous time really all together, Like, as She's on the
• 7:14
  Speaker 3: Money community, we've all been through such a big, weird time,
• 7:19
  Speaker 3: and you know, I feel like She's on the Money
• 7:21
  Speaker 3: has been such a big part of this time in
• 7:23
  Speaker 3: my life, for sure.
• 7:24
  Speaker 1: I hope so, Like you're literally the co host of
• 7:27
  Speaker 1: the shows, so that would make sense. But I agree,
• 7:31
  Speaker 1: like having experienced it online and through the Facebook group
• 7:35
  Speaker 1: and through our Instagram dms. Knowing that we have been
• 7:38
  Speaker 1: part of your journey, even just like a small part,
• 7:40
  Speaker 1: even if we're just on in the car on the
• 7:42
  Speaker 1: way to work and we get to hang out with you, like,
• 7:44
  Speaker 1: that's just to us so special to think that you
• 7:48
  Speaker 1: guys choose to have us in your ears, and us
• 7:50
  Speaker 1: in your cars, and us in your bathrooms and us
• 7:52
  Speaker 1: everywhere that you are listening to us. It's just it's
• 7:55
  Speaker 1: very cool because obviously there are lots of podcasts out there,
• 7:58
  Speaker 1: there is lots of content being produce, and we're not
• 8:00
  Speaker 1: the only content out It's just very cool that you
• 8:03
  Speaker 1: choose us, and we're very grateful for it. So hopefully
• 8:05
  Speaker 1: we can give you another solid year of content that
• 8:07
  Speaker 1: you absolutely adore and devour.
• 8:09
  Speaker 3: Well said, V, No, you're right, it is such a privilege.
• 8:13
  Speaker 3: We did talk about this on Friday's episode and we
• 8:17
  Speaker 3: touched on it a little bit just before. But what's
• 8:20
  Speaker 3: in store for She's on the Money this year? V.
• 8:22
  Speaker 3: We're still sticking to three episodes a week. What's in
• 8:25
  Speaker 3: Star sucked in Georgia.
• 8:27
  Speaker 1: King and it still will be doing three episodes a week, which,
• 8:31
  Speaker 1: to be honest, as a team, we absolutely adore. We
• 8:34
  Speaker 1: have our Monday Money diaries, we have our Deep Dive,
• 8:37
  Speaker 1: which is this episode with our best friend Georgia King,
• 8:41
  Speaker 1: and then we get to wrap the week with jessic
• 8:43
  Speaker 1: Ricci on a Friday, and it is just I really
• 8:46
  Speaker 1: like that vibe, and I really like that we get
• 8:47
  Speaker 1: to see you multiple times a week now instead of
• 8:50
  Speaker 1: just every Wednesday. But so that'll continue. No changes there
• 8:55
  Speaker 1: we'll have live events, which is going to be really fun.
• 8:57
  Speaker 1: I'm trying to coordinate a few at the moment. If
• 8:59
  Speaker 1: you live to our episode on Friday, you would know
• 9:02
  Speaker 1: that I am currently in the works of planning an
• 9:05
  Speaker 1: International Women's Day event.
• 9:07
  Speaker 4: La la.
• 9:09
  Speaker 1: Yeah. But it's one of those things where it's like, Okay,
• 9:11
  Speaker 1: it's International Women's Day, but how do we make that
• 9:13
  Speaker 1: super diverse and how do we make sure that we
• 9:16
  Speaker 1: celebrate the She's on the Money community in that because
• 9:18
  Speaker 1: she's on the money is not about women. And I
• 9:21
  Speaker 1: know that a lot of people are going to be like, wait, what, Victoria,
• 9:24
  Speaker 1: It's actually about just financial literacy and the sheet and
• 9:26
  Speaker 1: she's on the money. That is me. I am the
• 9:29
  Speaker 1: sheet and she's on the money because I am incredibly
• 9:31
  Speaker 1: self centered. But we embrace everybody in every person in
• 9:35
  Speaker 1: our community, and I just want to make sure that
• 9:37
  Speaker 1: an International Women's Day event that we pull together is
• 9:40
  Speaker 1: not just celebrating women. Obviously, there is a lot to
• 9:44
  Speaker 1: do when it comes to the gender pay gap, and
• 9:46
  Speaker 1: there is a lot to do when it comes to women,
• 9:48
  Speaker 1: but there are so many more minority groups that need
• 9:52
  Speaker 1: recognition that I'm hoping over the next twelve months, we
• 9:55
  Speaker 1: can really celebrate those days as well, so it won't
• 9:59
  Speaker 1: eat just that. G. Also spoiler which if you listen
• 10:03
  Speaker 1: to the Friday episode is not a spoiler. There's a
• 10:06
  Speaker 1: new book coming, which, Oh my gosh, there will be
• 10:09
  Speaker 1: a new book coming, and I'm genuinely so excited. And
• 10:13
  Speaker 1: We're obviously going to keep up three episodes and the
• 10:16
  Speaker 1: other podcast are going to continue on as well, So
• 10:19
  Speaker 1: the Business Bible and the Property Playbook are going nowhere.
• 10:22
  Speaker 1: But the other exciting thing G is and you might
• 10:26
  Speaker 1: not have noticed this because you're only here recording, but
• 10:29
  Speaker 1: for everybody listening, you would have heard the pre roll
• 10:32
  Speaker 1: ad and you'll also hear the mid role ad, and
• 10:35
  Speaker 1: that is something that we are genuinely so grateful to have,
• 10:39
  Speaker 1: Like imagine people sponsoring our show, Like genuinely, I'm so
• 10:43
  Speaker 1: grateful for it. But for those og she's on the
• 10:46
  Speaker 1: money listeners, you would have picked up it was shot back,
• 10:49
  Speaker 1: do you know, g This is now the third year
• 10:53
  Speaker 1: that we have had our friends from Shopback celebrate with
• 10:56
  Speaker 1: us the first episode of.
• 10:58
  Speaker 4: The year, Get from the teen.
• 11:02
  Speaker 1: My gosh, Emily, if you're listening, I adore you. Emily
• 11:05
  Speaker 1: is my contact at Shopback and she is delightful. But
• 11:09
  Speaker 1: oh my gosh, you guys have not only embraced Shopback
• 11:13
  Speaker 1: but allowed them to absolutely flourish. And I could not
• 11:17
  Speaker 1: be more proud of that partnership and the fact that
• 11:19
  Speaker 1: one we've kept her for three years, Like there are
• 11:22
  Speaker 1: relationships I haven't even managed to keep alive for three years,
• 11:25
  Speaker 1: like Hella to partnership, like girl, what but the fact
• 11:28
  Speaker 1: that they have been in our community for that long?
• 11:31
  Speaker 1: But also gee, the fact that we've been doing podcasts
• 11:34
  Speaker 1: for that long?
• 11:35
  Speaker 4: But what, It's bizarre, girl, this podcast.
• 11:37
  Speaker 1: Has existed since twenty nineteen.
• 11:40
  Speaker 3: Like what how old were you in twenty nineteen? Can't
• 11:43
  Speaker 3: remember twenty fifth? My remember?
• 11:46
  Speaker 4: Okay?
• 11:46
  Speaker 1: I think I was twenty six when I started the
• 11:48
  Speaker 1: Facebook group, twenty seven when I started the podcast, and
• 11:52
  Speaker 1: then I got old and now I'm in my thirties
• 11:55
  Speaker 1: and I'm old and wise and that's very helpful.
• 11:58
  Speaker 3: You need to stop achieving so much, my friend, Yeah,
• 12:01
  Speaker 3: age beach impressive.
• 12:05
  Speaker 4: Let's move on.
• 12:06
  Speaker 3: I'm so excited this so like it's gonna be a
• 12:08
  Speaker 3: good year.
• 12:08
  Speaker 4: I've got it. I've got a good feeling.
• 12:10
  Speaker 1: I've got a good feeling as I want to tempt fate.
• 12:12
  Speaker 1: But you know, no, don't do that. Remember the time
• 12:15
  Speaker 1: you called twenty twenty a dumpster fire, and then twenty
• 12:17
  Speaker 1: twenty one was like, haha, saw that raise you a million?
• 12:22
  Speaker 4: Exactly? I'm gonna pour guess all over that dumpster.
• 12:26
  Speaker 3: Let's true, though, Let's let's talk a little bit about
• 12:30
  Speaker 3: twenty twenty two. Let's leave twenty twenty one behind and
• 12:33
  Speaker 3: chat a little bit about our goals now.
• 12:36
  Speaker 4: We will be.
• 12:36
  Speaker 3: Talking later in the show about the best ways of
• 12:39
  Speaker 3: setting your own goals and tools to kind of keeping
• 12:42
  Speaker 3: you accountable. But I want to know what your big
• 12:46
  Speaker 3: goals are.
• 12:46
  Speaker 1: Do we have to do mine first? Can't we do
• 12:48
  Speaker 1: yours first? I mean we can, Oh, I just I
• 12:52
  Speaker 1: don't like going first when it comes to goal setting.
• 12:55
  Speaker 4: Yeah, but you're a big dog.
• 12:56
  Speaker 1: Yeah I know, I know, all right? So this year,
• 12:59
  Speaker 1: what am I going?
• 13:00
  Speaker 2: All right?
• 13:00
  Speaker 1: So first things first, I have made the goal that
• 13:04
  Speaker 1: I want to embrace happiness more. I'm obviously quite a
• 13:07
  Speaker 1: happy person to begin with, but I just feel like
• 13:11
  Speaker 1: I don't appreciate it, Like I want to have a
• 13:14
  Speaker 1: better level of gratitude than I already do, and I
• 13:16
  Speaker 1: feel like I'm one of those people like George, you
• 13:19
  Speaker 1: know me very well personally, I would say by now,
• 13:22
  Speaker 1: and I'm always like, I'm so grateful for X, Y
• 13:24
  Speaker 1: and Z. But I just really want to embrace happiness
• 13:27
  Speaker 1: and gratitude a little bit more than I already am,
• 13:30
  Speaker 1: because I just know how that impacts me personally when
• 13:33
  Speaker 1: I am embracing that. Yeah, And I mean that's not
• 13:36
  Speaker 1: really a measurable thing, it's just something you want to
• 13:38
  Speaker 1: be more conscious of. The second thing I am doing
• 13:42
  Speaker 1: when it comes to I guess big goals. We won't
• 13:44
  Speaker 1: talk about my fluffy stuff, but I am currently doing
• 13:48
  Speaker 1: two really big things, and I feel kind of guilty
• 13:52
  Speaker 1: if I'm being honest talking about these, because it's not
• 13:55
  Speaker 1: often that people get to achieve these things in the
• 13:58
  Speaker 1: same year. I do want to preface this with I
• 14:01
  Speaker 1: have been saving for a very long time for this,
• 14:03
  Speaker 1: and as you guys know, in twenty twenty, Steve and
• 14:06
  Speaker 1: I purchased our very first home, which was so exciting,
• 14:10
  Speaker 1: but we haven't been able to afford to renovate it yet.
• 14:13
  Speaker 1: So hopefully over the next few months we'll be in
• 14:16
  Speaker 1: a position where we can finally get a new kitchen
• 14:19
  Speaker 1: because we have George, as you know, an incredibly dysfunctional
• 14:23
  Speaker 1: current kitchen that honestly should have got the boot a
• 14:27
  Speaker 1: very long time ago. So hopefully we can go through
• 14:29
  Speaker 1: that process and in the same year getting married, which
• 14:35
  Speaker 1: was a very big undertaking. But as I've said, we
• 14:38
  Speaker 1: have been saving for a while for both of those things,
• 14:41
  Speaker 1: and finally they're coming up. But the thing that makes
• 14:44
  Speaker 1: me feel a little bit guilty is seeing how much
• 14:47
  Speaker 1: money is going to go out of our accounts this year.
• 14:50
  Speaker 1: It honestly gives me anxiety, Like, I know we've saved
• 14:52
  Speaker 1: for it, I know that was the plan. I'm like, oh,
• 14:54
  Speaker 1: I know, what was the plan, But do we really
• 14:56
  Speaker 1: want to do that? Because now it's there, is there
• 14:58
  Speaker 1: not something better we could spend it on. It just
• 15:00
  Speaker 1: gives me a lot of anxiety. But that is okay,
• 15:03
  Speaker 1: and it's important to talk through. But the kitchen is
• 15:06
  Speaker 1: a very big goal, and also the wedding is a
• 15:09
  Speaker 1: massive goal. So it will be Yeah, it'll be interesting.
• 15:13
  Speaker 1: And as I said at the start of this episode,
• 15:15
  Speaker 1: I'm very surprised at how much things cost for weddings,
• 15:18
  Speaker 1: and over the last month or so that Steve and
• 15:20
  Speaker 1: I have been planning this wedding. It definitely has been
• 15:23
  Speaker 1: a journey of values and really understanding what his values
• 15:27
  Speaker 1: are versus mine and what he's prioritizing and what I'm prioritizing.
• 15:31
  Speaker 1: And you know, I didn't know how much dresses were,
• 15:34
  Speaker 1: and so going through that process of me going, do
• 15:36
  Speaker 1: you know what, I think I'm going to purchase a
• 15:38
  Speaker 1: secondhand dress because I just don't like for me, that's
• 15:41
  Speaker 1: not my value. I just don't want to spend money
• 15:44
  Speaker 1: on something in that realm. And I'm not saying that that's,
• 15:48
  Speaker 1: you know, the right thing to do, but for me,
• 15:50
  Speaker 1: that's where I'm prioritizing our funds. And I think that
• 15:54
  Speaker 1: you know, over time, I'm hoping to share more of
• 15:56
  Speaker 1: that with you guys, But you know, it is actually
• 15:59
  Speaker 1: quite a stressful process, and so having goals written down,
• 16:03
  Speaker 1: it'll be really cool to be able to achieve those
• 16:05
  Speaker 1: two things. But I don't want you to think that
• 16:08
  Speaker 1: those two things were only thought about in twenty twenty two.
• 16:11
  Speaker 1: We've been saving for this kitchen since twenty twenty.
• 16:13
  Speaker 3: Yeah, she's not just filthy rich no.
• 16:16
  Speaker 1: Like I mean, guys, I would like that, but maybe
• 16:20
  Speaker 1: one day, maybe one day, George, what are your big goals.
• 16:24
  Speaker 1: What are you going to achieve in the next twelve months?
• 16:27
  Speaker 3: Okay, so first I'll start out a little bit cushy,
• 16:30
  Speaker 3: little bit mushy as you do. So, I feel like
• 16:34
  Speaker 3: my one of my main personal goals is to continue
• 16:37
  Speaker 3: to be really kind to myself. I feel like over
• 16:41
  Speaker 3: the last two years it's been a real battle of
• 16:44
  Speaker 3: like that little negative voice in my head kind of
• 16:47
  Speaker 3: putting me down all the time and being like, you're
• 16:49
  Speaker 3: not where you should be, and then this other voice
• 16:51
  Speaker 3: is like, cis relax, it's a pandemic. You're doing a
• 16:56
  Speaker 3: great jobs existing, you know. So I feel like that's
• 17:00
  Speaker 3: one of the big ones.
• 17:00
  Speaker 1: Yeah, Like I feel like there's so much pressure on
• 17:03
  Speaker 1: us to not just exist well, but to somehow perform.
• 17:08
  Speaker 1: Like that's not what life's about. Life should be about
• 17:11
  Speaker 1: love and sharing it and you know, being surrounded by
• 17:14
  Speaker 1: beautiful people, not beautiful things. And I guess I'm just
• 17:17
  Speaker 1: a little bit fluffy when it comes to things like that.
• 17:20
  Speaker 1: But if I have learned anything over the last twelve months,
• 17:22
  Speaker 1: it's definitely money provides a level of financial freedom, but
• 17:26
  Speaker 1: it is not the be all end all, especially when
• 17:28
  Speaker 1: we were all in isolation and couldn't see our friends
• 17:31
  Speaker 1: and family, Like, let's get our priorities right. But you
• 17:34
  Speaker 1: are absolutely correct, George. I feel like, as an outsider
• 17:37
  Speaker 1: and also a friend, you have put a lot of
• 17:39
  Speaker 1: pressure on yourself over the last twelve months, and I'm
• 17:41
  Speaker 1: glad that you are realizing that and planning to change it. Yeah.
• 17:46
  Speaker 3: Yeah, so well I'll keep on working on that. And
• 17:49
  Speaker 3: then from a financial perspective, I am going to start
• 17:54
  Speaker 3: having conversations. So what this means does.
• 17:57
  Speaker 1: That mean a lot of conversation? So those ones not
• 18:02
  Speaker 1: good in it?
• 18:02
  Speaker 3: So I want to start investing, So that means going
• 18:08
  Speaker 3: to a financial advisor and having I know, a girl,
• 18:13
  Speaker 3: but like, yeah, sitting down with you and start like
• 18:15
  Speaker 3: creating a plan and figuring out what I'm going to
• 18:17
  Speaker 3: do and what I'm comfortable with and getting that sorted.
• 18:20
  Speaker 3: Obviously having access to you is an immense privilege, but
• 18:25
  Speaker 3: that is that's one of my goals. And then also
• 18:29
  Speaker 3: speaking to like a broker or again someone like Amy
• 18:31
  Speaker 3: and chatting about next steps in terms of entering the
• 18:35
  Speaker 3: property market at some stage this year just kind of
• 18:39
  Speaker 3: it'll be cool to.
• 18:40
  Speaker 1: Start understanding what the expectation exactly and understanding what that means,
• 18:45
  Speaker 1: and I know that one of the things that has
• 18:47
  Speaker 1: been really powerful for our community, and that we're actually
• 18:51
  Speaker 1: relaunching this year, which is so exciting. Gee, is the
• 18:54
  Speaker 1: hour of power that's coming bad Duke. Yes, I'm not
• 18:58
  Speaker 1: running it though full disclosure is not me, but isn't
• 19:01
  Speaker 1: just Acci No, it's not just a Grecchi. It is
• 19:04
  Speaker 1: actually my friend Kate from Inspire, and she has spent
• 19:08
  Speaker 1: a very long time with me training up in how
• 19:11
  Speaker 1: I did it and what's going on. So Kate and
• 19:14
  Speaker 1: Nikki are going to run though, So they're joining that
• 19:17
  Speaker 1: She's on the Money team in twenty twenty two, which
• 19:19
  Speaker 1: I'm genuinely so excited about. But the reason I'm excited
• 19:23
  Speaker 1: about that is because so many times I have spoken
• 19:26
  Speaker 1: to people in the She's on the Money community and
• 19:28
  Speaker 1: they're like, Oh, I really want to buy property, but
• 19:30
  Speaker 1: I'm like five years away, and you're like, Oh, I
• 19:32
  Speaker 1: really want you to talk to a broker, But a
• 19:34
  Speaker 1: broker isn't going to want to talk to you because
• 19:37
  Speaker 1: you're so far away, and they're not going to give
• 19:39
  Speaker 1: you the time or the energy to go, Oh, I'll
• 19:42
  Speaker 1: sit with you g for an hour and make a
• 19:44
  Speaker 1: plan because they're like, I'm not going to make any
• 19:46
  Speaker 1: money from this. So we've relaunched the Hour of Power
• 19:49
  Speaker 1: so you can sit down with a mortgage broker and
• 19:52
  Speaker 1: talk about buying your first property, or get a savings
• 19:54
  Speaker 1: plan in place so that you can achieve that and
• 19:57
  Speaker 1: really understand what your options are. Or if you want
• 20:00
  Speaker 1: a refinance, you can book a refinance Hour of Power,
• 20:03
  Speaker 1: or if you're in debt, you can book a get
• 20:05
  Speaker 1: out of Debt Hour of Power and sit down with
• 20:07
  Speaker 1: someone and go all right, this is what this looks like.
• 20:10
  Speaker 1: This is how I get out of debt and get
• 20:12
  Speaker 1: all the tips and tricks that you need personally to
• 20:14
  Speaker 1: get out of that situation. So I'm just so excited
• 20:18
  Speaker 1: for that. But do you know what, George, you can
• 20:20
  Speaker 1: be a guinea pig. You're going to get set up
• 20:22
  Speaker 1: with Kate. You're going to do an Hour of Power
• 20:25
  Speaker 1: and then you know what, we're going to talk about
• 20:27
  Speaker 1: what you got out of that on the pod.
• 20:29
  Speaker 3: Yes, I'll report back to the team, let you know
• 20:31
  Speaker 3: how it goes.
• 20:33
  Speaker 1: Yeah, you're going to be the guinea pig and everybody's
• 20:36
  Speaker 1: going to know how it went. So, Kate, I hope
• 20:38
  Speaker 1: you perform well, it's going to be like the mystery shopper,
• 20:41
  Speaker 1: but like everyone knows who you are.
• 20:43
  Speaker 3: Yeah, exactly, Okay, enough about us, be I feel like
• 20:46
  Speaker 3: we have gone on about ourselves. Hopefully people are interested.
• 20:49
  Speaker 3: If you're not, so sorry you're not. I hope you
• 20:51
  Speaker 3: learned that you can actually skip in thirty second increments
• 20:54
  Speaker 3: on your Apple apps, so you don't feel like you
• 20:57
  Speaker 3: actually had to listen to us. That's on nebabe. But
• 21:00
  Speaker 3: we wanted to share some inspiration from the community, as
• 21:04
  Speaker 3: you guys had so many incredible goals last year which
• 21:07
  Speaker 3: you absolutely smashed, and we also thought maybe for anyone
• 21:11
  Speaker 3: setting some goals as they move into the new year,
• 21:14
  Speaker 3: that this could be kind of a good a good
• 21:16
  Speaker 3: way of stealing some goals. This is inspire if you're
• 21:19
  Speaker 3: a bit stumped for what to set yourself. These are
• 21:22
  Speaker 3: some really good idea.
• 21:23
  Speaker 1: Literally the worst having to sit down someone's like, oh
• 21:26
  Speaker 1: my gosh, write a goal list. And I'm a very
• 21:28
  Speaker 1: big advocate of not just writing a goals list because
• 21:32
  Speaker 1: it's the new year, like.
• 21:33
  Speaker 4: It's a great time.
• 21:34
  Speaker 1: It feels like a fresh page, like it is a
• 21:36
  Speaker 1: good time to set goals. But you shouldn't be limited.
• 21:39
  Speaker 1: You shouldn't have to wait till next year to set
• 21:41
  Speaker 1: a goal. If you think of one in February, in March,
• 21:43
  Speaker 1: in November, chuck it on the list, start working towards
• 21:46
  Speaker 1: it now. But George, run us through. What has the
• 21:50
  Speaker 1: community achieved?
• 21:51
  Speaker 4: Okay?
• 21:52
  Speaker 3: So our first goal achieved is from Katie. So her
• 21:56
  Speaker 3: money goal has been in existence since twenty fourteen, and
• 21:59
  Speaker 3: that was to get out of credit card debt. So
• 22:03
  Speaker 3: she still has a little bit of debt hanging over
• 22:05
  Speaker 3: her head with family due to changing jobs and houses.
• 22:08
  Speaker 3: But she wiped out her personal loan in September, which
• 22:12
  Speaker 3: was the accumulation of her credit card debts.
• 22:15
  Speaker 4: So maybe that is massive.
• 22:18
  Speaker 1: That's years and years of hard work finally paying off. Congratulations.
• 22:23
  Speaker 3: The next one here is from talia Va. So her
• 22:26
  Speaker 3: money goal was to purchase a motorbike outright from check out.
• 22:30
  Speaker 3: Had a badass I don't know, have two k in
• 22:33
  Speaker 3: an emergency fund amazing even more batter save ten k
• 22:38
  Speaker 3: for a US trip in twenty twenty three and start investing.
• 22:43
  Speaker 3: And she has big ticks against all of those goals.
• 22:45
  Speaker 3: She nailed all of them.
• 22:47
  Speaker 1: What George, She already has ten grand saved through trip.
• 22:51
  Speaker 1: That's not even this year, it's next year.
• 22:54
  Speaker 3: I thought you were going to say that's not even
• 22:55
  Speaker 3: going to happen because of coaching.
• 22:57
  Speaker 1: Good No, But like she said in twenty twenty three,
• 23:01
  Speaker 1: not twenty twenty.
• 23:01
  Speaker 4: Two, plaistick.
• 23:02
  Speaker 1: We love that from Talia, I will love you and
• 23:05
  Speaker 1: she started in their sting and then she says, for
• 23:08
  Speaker 1: my twenty twenty two goal, she's going to increase her
• 23:11
  Speaker 1: emergency fund to five grand, find a new job, and
• 23:14
  Speaker 1: have twenty grand saved for that trip.
• 23:16
  Speaker 4: Who is she?
• 23:17
  Speaker 1: Love this the big goals and she's Rhia. Check you out.
• 23:23
  Speaker 3: The next goal here is from Jen V. So her
• 23:25
  Speaker 3: twenty twenty one money goal was to save enough to
• 23:28
  Speaker 3: cover her mortgage for her nine month maternity leave.
• 23:32
  Speaker 1: That's a smart money goal, it is.
• 23:34
  Speaker 3: It's very smart, and she managed to do it even
• 23:37
  Speaker 3: though their little girl arrived two months early.
• 23:41
  Speaker 1: Early to the party.
• 23:43
  Speaker 4: Yeah gosh, I.
• 23:44
  Speaker 1: Hope she's all healthy and happy. But oh my gosh,
• 23:48
  Speaker 1: imagine achieving that goal, because that's a mean feat. Like
• 23:51
  Speaker 1: that's a lot of money to save, like nine months
• 23:53
  Speaker 1: worth of repayments, Hugh, and she did it with enough
• 23:57
  Speaker 1: time to still have a premie baby. Check you out.
• 24:00
  Speaker 4: I'm so proud of everyone.
• 24:02
  Speaker 1: Gosh, and I really love babies.
• 24:04
  Speaker 4: Oh don't we all toll you should have one?
• 24:06
  Speaker 3: Thank you?
• 24:06
  Speaker 1: No, no, no, no is my baby. Yes, we will
• 24:11
  Speaker 1: think about that. In twenty twenty eight.
• 24:15
  Speaker 3: Mel was our next little goal setter and achiever.
• 24:18
  Speaker 4: Here hi now.
• 24:19
  Speaker 3: So her goal was to save up three months worth
• 24:22
  Speaker 3: of her wages for emergencies, increase her mortgage repayments, so
• 24:26
  Speaker 3: she's paying triple the minimum repayment if you don't mind,
• 24:30
  Speaker 3: and to pay off eleven thousand dollars in debt, which
• 24:33
  Speaker 3: she did.
• 24:33
  Speaker 4: She didn't all all of that.
• 24:36
  Speaker 1: Oh my god, that makes me feel like, oh, that's unrealistic, Mel,
• 24:42
  Speaker 1: But check you out.
• 24:44
  Speaker 4: Mel has done it. What a little chance, Peeling.
• 24:47
  Speaker 1: You're a legend.
• 24:49
  Speaker 4: You're a legend. She absolutely is a legend. V and Amy.
• 24:55
  Speaker 3: She is our next one on the list, and she
• 24:57
  Speaker 3: is also a legend. Her goal was to save twenty
• 24:59
  Speaker 3: thousand dollars this year, which she reached last week.
• 25:04
  Speaker 4: How good's that?
• 25:04
  Speaker 1: Oh my gosh.
• 25:05
  Speaker 3: She also she also said she learned a lot of
• 25:08
  Speaker 3: things along the way thanks to She's on the money
• 25:10
  Speaker 3: and she's hoping to purchase her first home this year.
• 25:13
  Speaker 1: Oh my god, I love you, Amy. That is so special.
• 25:17
  Speaker 1: But oh my gosh, twenty grand in one year?
• 25:19
  Speaker 2: What we need?
• 25:20
  Speaker 1: Well, she said, get to twenty thousand dollars. So maybe
• 25:23
  Speaker 1: it took her longer than a year, but that's true.
• 25:26
  Speaker 1: She got me to twenty grand. I'm very impressed.
• 25:29
  Speaker 3: Our last one here, Ve, is from the lovely Gabrielle,
• 25:32
  Speaker 3: whose theme this year was to level up in all capitals.
• 25:36
  Speaker 3: So her first goal was to change her career direction
• 25:39
  Speaker 3: and get a pay rise while she was at it.
• 25:42
  Speaker 3: Bo yep, she got the new job, yes, queen in
• 25:45
  Speaker 3: a new industry with a thirty five thousand dollar increasing mace.
• 25:49
  Speaker 3: Wait she's now earning one queen, Yes, capped commissions.
• 25:55
  Speaker 1: So roll, Sorry rude to not share with us what
• 25:58
  Speaker 1: you do as a job. Okay, Gabriel, Gabriel, We're coming
• 26:03
  Speaker 1: for you.
• 26:04
  Speaker 3: Another one of her big goals was to move in
• 26:06
  Speaker 3: with her partner, which she did.
• 26:08
  Speaker 4: We love.
• 26:09
  Speaker 1: That's a very special time in your life.
• 26:12
  Speaker 4: Yeah for sure.
• 26:13
  Speaker 3: And her theme this year V is double or nothing
• 26:16
  Speaker 3: again in all capitals.
• 26:18
  Speaker 1: Oh, she has a I love that she has a theme. Gee,
• 26:21
  Speaker 1: have you ever thought about having a theme for your goals?
• 26:24
  Speaker 4: Absolutely not. My theme is just like push on.
• 26:26
  Speaker 3: No. I didn't think say yes, okay, how about you?
• 26:30
  Speaker 1: No? But is this lame? I have like a word
• 26:32
  Speaker 1: of the year tune.
• 26:33
  Speaker 4: What's your word this year?
• 26:34
  Speaker 1: Gratitude?
• 26:35
  Speaker 4: Okay?
• 26:35
  Speaker 3: Good?
• 26:36
  Speaker 1: Like remember how I said I want to embrace more happiness.
• 26:38
  Speaker 1: I've just picked gratitude as the actual word. And I
• 26:41
  Speaker 1: just feel like that's a thing. Like I have a
• 26:43
  Speaker 1: group of friends and we all choose a word for
• 26:46
  Speaker 1: the year, and I just feel like that's really special
• 26:49
  Speaker 1: and quite cool, and it's like the theme of the year.
• 26:52
  Speaker 1: I wouldn't say it's the theme of my goals, but
• 26:55
  Speaker 1: like it's definitely the theme of the year. Like that's
• 26:57
  Speaker 1: the thing I want to embrace more over three hundred
• 27:00
  Speaker 1: and sixty five days. And that's pretty cool. But tell
• 27:03
  Speaker 1: me what's she doing with her double or nothing year?
• 27:06
  Speaker 4: Okay?
• 27:06
  Speaker 3: So number one is she's going to renovate her house
• 27:09
  Speaker 3: part as already scheduled for later on in this month.
• 27:13
  Speaker 3: Number two is to buy a second house, and number
• 27:16
  Speaker 3: three is to double her income through commissions.
• 27:19
  Speaker 1: What unrelatable content?
• 27:22
  Speaker 4: Most content?
• 27:23
  Speaker 3: But I'm happy for Gabrielle she's doing it.
• 27:26
  Speaker 1: I'm really happy with that as well, and I think
• 27:28
  Speaker 1: it's actually a really good lesson in if you want
• 27:31
  Speaker 1: to achieve it, you just need to put your head
• 27:33
  Speaker 1: down and get it done. Like I'm a very big
• 27:38
  Speaker 1: believer that everybody has the capacity to change their money story.
• 27:41
  Speaker 1: Everybody has the capacity to achieve a goal. As long
• 27:45
  Speaker 1: as we surround ourselves with like minded people, She's on
• 27:48
  Speaker 1: the money, and we actually create plans for these goals,
• 27:53
  Speaker 1: everything is achievable. Like at the end of the day,
• 27:55
  Speaker 1: some of these have been epic, But I also want
• 27:59
  Speaker 1: to recognize before we jump into a quick break and
• 28:01
  Speaker 1: I know we'll get to it a little bit later,
• 28:03
  Speaker 1: but if you're listening to these and you're like, oh
• 28:05
  Speaker 1: my god, I have achieved nothing in comparison, like my friend,
• 28:09
  Speaker 1: that does not matter. The achievements of others does not
• 28:13
  Speaker 1: mean that your achievements are any less or any different
• 28:17
  Speaker 1: or not worthy. At the end of the day, a
• 28:19
  Speaker 1: rising tide lifts all ships. And the better you do, George,
• 28:23
  Speaker 1: the better all women do, the better everybody does. And
• 28:26
  Speaker 1: I just want to really embrace that energy going into
• 28:30
  Speaker 1: twenty twenty two. It's not about comparison. It's not about
• 28:33
  Speaker 1: what you do versus what I do, Like, I am
• 28:36
  Speaker 1: stoked for Gabrielle, Like, oh my god, you have increased
• 28:40
  Speaker 1: your base salary by thirty five grand. That's quite literally
• 28:44
  Speaker 1: the salary of somebody else in the she's on the
• 28:46
  Speaker 1: money community. That's not a bad thing. But I think
• 28:48
  Speaker 1: we should all be in awe of each other's achievements
• 28:51
  Speaker 1: and know if she can do it, I can do it.
• 28:54
  Speaker 4: For sure.
• 28:55
  Speaker 1: Let's go to a break. But I don't want anybody
• 28:57
  Speaker 1: to feel like their goals, whether they had smaller goals
• 29:01
  Speaker 1: or maybe you didn't manage to achieve your goals, That
• 29:04
  Speaker 1: doesn't make you anything less, That doesn't change anything, That
• 29:08
  Speaker 1: doesn't mean that you don't have the potential. Just smash
• 29:10
  Speaker 1: it out of the park this year.
• 29:12
  Speaker 3: Okay, V Let's now move into our goal setting section
• 29:17
  Speaker 3: of the show. There are a few rules that we've
• 29:20
  Speaker 3: kind of established over the journey which we wanted to
• 29:23
  Speaker 3: remind everyone of today when it comes to setting goals,
• 29:27
  Speaker 3: like little tips and tricks that make it easier to
• 29:30
  Speaker 3: stick to them. If that makes sense. Genius Genie reminder,
• 29:34
  Speaker 3: our first tip is to set achievable goal spee. How
• 29:38
  Speaker 3: does this work?
• 29:39
  Speaker 1: Honestly, it is so easy to get completely disheartened and
• 29:43
  Speaker 1: feel like a dumpster fire if we set a goal
• 29:47
  Speaker 1: that we aren't able to achieve. So setting small goals
• 29:50
  Speaker 1: that lead to a larger goal is absolutely preferable. And
• 29:54
  Speaker 1: the way to do that is to actually work backwards.
• 29:56
  Speaker 1: So if you want to save one hundred dollars in
• 29:58
  Speaker 1: ten months, we'd work back and go, Okay, what does
• 30:01
  Speaker 1: that mean for every single month? Ten dollars a month? Okay,
• 30:05
  Speaker 1: no problems. Can I feasibly find that in my budget
• 30:08
  Speaker 1: to save? If the answer is no, we know that
• 30:11
  Speaker 1: in ten months time we're going to be really disheartened
• 30:14
  Speaker 1: with our goal because we're not going to achieve it
• 30:17
  Speaker 1: because at a base level, that was never going to happen.
• 30:21
  Speaker 1: So I think it's really important to set smaller goals
• 30:23
  Speaker 1: that lead to a larger goal. Then just set this
• 30:26
  Speaker 1: massive goal and start working towards it. It's also so
• 30:29
  Speaker 1: hard in this day and age saving up for a house,
• 30:32
  Speaker 1: which I know is the goal of a lot of
• 30:34
  Speaker 1: people in our community, that can take years. And if
• 30:37
  Speaker 1: you don't set those smaller, realistic goals, you're going to
• 30:41
  Speaker 1: find yourself falling off the bandwagon or feeling disheartened or
• 30:44
  Speaker 1: feeling like it's never going to happen. And who wants
• 30:47
  Speaker 1: to set a goal that's five years away with no
• 30:50
  Speaker 1: ability to celebrate along the way. So we really need
• 30:53
  Speaker 1: to break them down into bite sized pieces that make
• 30:56
  Speaker 1: a lot of sense. And at the end of the day,
• 30:58
  Speaker 1: setting more realistic and achievable goals is going to land
• 31:02
  Speaker 1: us in exactly the spot we want to land in.
• 31:05
  Speaker 3: And I feel like often when you don't meet a goal,
• 31:09
  Speaker 3: you do feel really useless, as you said, and sometimes
• 31:11
  Speaker 3: that can kind of propel you to maybe impulse spend
• 31:15
  Speaker 3: or do a little bit of retail therapy that lets.
• 31:18
  Speaker 4: You in a worse position.
• 31:19
  Speaker 1: Anyway, it honestly feels like trash like. And I'm not
• 31:22
  Speaker 1: saying that because I don't know what it's like. I've
• 31:25
  Speaker 1: been there, Like I've been in debt before, and I've had,
• 31:29
  Speaker 1: you know, a personal loan lauding over my head. And
• 31:32
  Speaker 1: I remember so many times I set the goal and
• 31:34
  Speaker 1: I would say, I'm going to get.
• 31:36
  Speaker 3: Out of that.
• 31:37
  Speaker 1: Okay, Victoria, with what plan were you going to get
• 31:41
  Speaker 1: out of that? How were you going to do that?
• 31:43
  Speaker 1: Like maybe one morning on a Saturday, I woke up
• 31:46
  Speaker 1: super motivated and I would be like, do you know
• 31:48
  Speaker 1: what I'm done with that? I'm going to smash it down.
• 31:51
  Speaker 1: But I never gave myself the grace of creating that plan,
• 31:55
  Speaker 1: so that when I didn't have that same level of motivation,
• 31:57
  Speaker 1: I was like, oh, I can't be bothered working it out,
• 32:00
  Speaker 1: or like maybe this month I won't transfer an additional
• 32:03
  Speaker 1: loan repayment or whatever it was. So I didn't achieve
• 32:07
  Speaker 1: that as quickly as I could have had I been like, Okay,
• 32:11
  Speaker 1: I found my level of motivation. This is how much
• 32:13
  Speaker 1: I owe, how quickly can I repay it back? What
• 32:16
  Speaker 1: money do I have that I could contribute to it?
• 32:19
  Speaker 1: And then automating it is really helpful as well. So
• 32:21
  Speaker 1: if the plan is to get out of debt, and
• 32:24
  Speaker 1: you've worked out your budget and cash flow so you
• 32:26
  Speaker 1: can afford another fifty bucks a month onto a debt repayment,
• 32:30
  Speaker 1: automate it, put it on direct debit, so it happens.
• 32:33
  Speaker 1: Because as much as it's upsetting, and I don't mean
• 32:36
  Speaker 1: like deeply I'm so depressed upsetting, I more mean we
• 32:40
  Speaker 1: aren't always going to hold the same level of motivation
• 32:43
  Speaker 1: for things or the same goals. It's going to depend
• 32:45
  Speaker 1: on our mood and what's going on around us. But
• 32:48
  Speaker 1: if that is deeply a goal of yours, create a
• 32:51
  Speaker 1: plan that is full proof, make sure it is automated,
• 32:54
  Speaker 1: set up those direct debts, get your stuff in order
• 32:57
  Speaker 1: when you do have that high level of motivation so
• 33:00
  Speaker 1: it can carry you when you're not feelings on top
• 33:03
  Speaker 1: of it.
• 33:03
  Speaker 3: Brilliant, which I feel like this kind of leads to
• 33:06
  Speaker 3: our next rule, writing the goals down. I feel like
• 33:10
  Speaker 3: that's a really good way of staying on top of things.
• 33:12
  Speaker 1: Be exactly. Writing down on goals really clarifies them and
• 33:16
  Speaker 1: allows us to visualize things. So why not stick them
• 33:19
  Speaker 1: on the fridge or in your wardrobe if you want
• 33:21
  Speaker 1: to save another thousand dollars? We literally have our savings
• 33:24
  Speaker 1: hacks that you can print out their very aesthetic and
• 33:27
  Speaker 1: stick them on your fridge so that you can cross
• 33:30
  Speaker 1: them off and stay motivated. Things that our front of
• 33:33
  Speaker 1: mind are far more likely to be achieved. The other
• 33:37
  Speaker 1: part is what's actually happening on a neurological level. Now
• 33:40
  Speaker 1: I'm paraphrasing a super interesting article from Forbes here, but basically,
• 33:44
  Speaker 1: when we write down our goals, we're encoding them, which
• 33:48
  Speaker 1: is a biological process where whatever we are perceiving actually
• 33:52
  Speaker 1: travels to the hippocampus, which is in our brain and
• 33:55
  Speaker 1: is analyzed, and from there our brain sorts out what
• 33:58
  Speaker 1: will be stored in our long term memory and what
• 34:00
  Speaker 1: won't be. When we write things down, it is more
• 34:03
  Speaker 1: likely that that thing is going to end up in
• 34:05
  Speaker 1: our long term memory, and things that are really our
• 34:07
  Speaker 1: long term memories, they stick and they happen. Are you're
• 34:10
  Speaker 1: a scientist, No, I'm not, but I did study psychology
• 34:14
  Speaker 1: and that's why I know where the hippocampus is located
• 34:17
  Speaker 1: to Georgia.
• 34:19
  Speaker 3: That's really cool to know because everyone always says that
• 34:21
  Speaker 3: like writing it down sticks fluffy.
• 34:25
  Speaker 1: No, it's literally science, and science is sick. It's also
• 34:29
  Speaker 1: great to have something to refer back to if we
• 34:32
  Speaker 1: lose track or need to recall what our goals are.
• 34:35
  Speaker 1: And at the end of the day, it helps us
• 34:37
  Speaker 1: keep accountable. If we're writing it down, it is just
• 34:39
  Speaker 1: more likely to happen. Believe me, it's science.
• 34:43
  Speaker 4: I love it. Doctor v Our next step.
• 34:46
  Speaker 1: Can you imagine maybe I should go back to UNI
• 34:48
  Speaker 1: again and like not become a real doctor because I
• 34:51
  Speaker 1: don't really like the side of blood. But like, maybe
• 34:54
  Speaker 1: get a PhD or something, so everybody has to in
• 34:57
  Speaker 1: the future refer to me as doctor Devine.
• 34:59
  Speaker 4: I have the money, doctor money, duck cash dock. That's
• 35:02
  Speaker 4: like a doctor divine.
• 35:03
  Speaker 1: Does not sound to define work in money, Yeah, it doesn't.
• 35:07
  Speaker 1: Kind of go work in money. It sounds like I
• 35:08
  Speaker 1: work in another industry. Maybe I should just change industries
• 35:12
  Speaker 1: a you, I wouldn't say no, got to go where
• 35:15
  Speaker 1: the money is.
• 35:17
  Speaker 3: Okay, the next little goal, the next goal. I'm flustered,
• 35:21
  Speaker 3: look out, red am. The next step is to check
• 35:25
  Speaker 3: in with our goals and adjust them as needed throughout
• 35:28
  Speaker 3: the year.
• 35:28
  Speaker 1: I think that's a really good suggestion that you have made.
• 35:31
  Speaker 1: G And the reason I think it's a good suggestion
• 35:33
  Speaker 1: is what we want today might be what we want tomorrow.
• 35:37
  Speaker 1: I guarantee the goals I set last year might not
• 35:41
  Speaker 1: all fit into the values that I hold this year.
• 35:44
  Speaker 1: So it is always a really good idea to check
• 35:46
  Speaker 1: in and see if one we're on track with achieving
• 35:48
  Speaker 1: our goals, or if we need to modify either our
• 35:50
  Speaker 1: behaviors or our goals to see if we're going to
• 35:53
  Speaker 1: still achieve them. But on the flip side of that,
• 35:55
  Speaker 1: what if you're crushing it and you need to make
• 35:57
  Speaker 1: your goals harder, then you definitely should make them harder
• 36:01
  Speaker 1: and change them so that we can achieve more and
• 36:03
  Speaker 1: be the best version of us. I definitely recommend checking
• 36:06
  Speaker 1: in at least once a month, or or once every
• 36:09
  Speaker 1: second month, depending on the size of your goal. But
• 36:12
  Speaker 1: from my perspective, it is really important to not just
• 36:14
  Speaker 1: check in and be like, am I progressing? Yes? Great?
• 36:18
  Speaker 1: Is this still of value to me? Is really important?
• 36:22
  Speaker 1: And I've spoken to people historically, and I know that
• 36:25
  Speaker 1: there are a lot of you in our community who
• 36:27
  Speaker 1: have messaged me or talked to me or even my
• 36:29
  Speaker 1: clients who have been like the yes, So I've spent
• 36:32
  Speaker 1: the last four years saving for a househ and I
• 36:35
  Speaker 1: don't want to buy a house anymore. That is fine. Great,
• 36:40
  Speaker 1: We've been working towards a goal. We have an asset
• 36:43
  Speaker 1: that we have been saving up for. Any goal is
• 36:46
  Speaker 1: not a waste of time just because you change the
• 36:50
  Speaker 1: parameters of what that might look like. And don't feel
• 36:53
  Speaker 1: disheartened if you're like, oh my god, I've been working
• 36:55
  Speaker 1: towards this massive goal and now it's not going to happen.
• 36:59
  Speaker 1: That's fine. Learned a lot along the way, we've changed
• 37:02
  Speaker 1: our values and that's okay. But the same thing goes
• 37:05
  Speaker 1: for careers. And I know that this is not what
• 37:07
  Speaker 1: we were talking about, but maybe your goal is this
• 37:10
  Speaker 1: year to change careers or get a different job. The time,
• 37:14
  Speaker 1: energy and effort that you have put into your current
• 37:17
  Speaker 1: career to date or current job to date, or current
• 37:20
  Speaker 1: UNI degree to date, it's never lost. Even if you're
• 37:23
  Speaker 1: not going to work in that industry, you have learned
• 37:26
  Speaker 1: a lot, Like look at what I have done. I
• 37:28
  Speaker 1: have gone from being in psychology and now I'm in finance,
• 37:31
  Speaker 1: and there is no way that I would say that
• 37:34
  Speaker 1: that was a waste of my time. It has absolutely
• 37:36
  Speaker 1: gotten me to where I am today. So even if
• 37:39
  Speaker 1: you're going from medicine to being a journalist or going
• 37:43
  Speaker 1: from being George a journalist to being something completely different,
• 37:47
  Speaker 1: it doesn't matter. I think we really need to drop
• 37:49
  Speaker 1: this idea of oh but I've worked there for ten years,
• 37:53
  Speaker 1: so maybe I should just stay, or oh but I
• 37:56
  Speaker 1: did that degree and it would be a waste if
• 37:59
  Speaker 1: I didn't work in that area. Like no, follow your heart,
• 38:02
  Speaker 1: follow the things that you love, and I promise the
• 38:05
  Speaker 1: money and the joy will follow.
• 38:07
  Speaker 4: I'm welling up over here.
• 38:09
  Speaker 1: No you're not.
• 38:10
  Speaker 4: Yes I am. That was stunning from you.
• 38:13
  Speaker 1: Oh thanks Ja.
• 38:15
  Speaker 3: Our last little rule here is my personal favorite.
• 38:19
  Speaker 1: Oh what is it?
• 38:20
  Speaker 3: It's to celebrate our wins along the way.
• 38:23
  Speaker 1: And share them with the shaes on the money community
• 38:25
  Speaker 1: because I literally read every single one of them exactly.
• 38:27
  Speaker 3: So why is this so important? Like why is acknowledging
• 38:31
  Speaker 3: our success so pivotal?
• 38:33
  Speaker 1: Okay, so I'm going to be a little bit fluffy again.
• 38:36
  Speaker 1: And I was watching a video the other day on Instagram,
• 38:39
  Speaker 1: because that's what my life is really, It's either scrolling
• 38:43
  Speaker 1: through my Instagram feed or scrolling through my TikTok feed,
• 38:46
  Speaker 1: let's be real. But this video came up and it
• 38:49
  Speaker 1: said if somebody else was as critical of me as
• 38:52
  Speaker 1: I am of me, I wouldn't want to spend an
• 38:54
  Speaker 1: hour with them. And I think it's really important to
• 38:57
  Speaker 1: take that energy and go, you know what, that's true.
• 39:01
  Speaker 1: I want to be celebrated. You deserve to be celebrated.
• 39:04
  Speaker 1: It doesn't matter what you do or who you are, like,
• 39:07
  Speaker 1: you deserve love and you deserve respect, and you need
• 39:10
  Speaker 1: to start by giving that to yourselves. And you need
• 39:13
  Speaker 1: to be treating yourself with self worth along the way
• 39:16
  Speaker 1: and actually making sure that all this time, energy and
• 39:20
  Speaker 1: effort and the hard work you're putting in is not
• 39:22
  Speaker 1: only rewarding but really respected, and that actually starts with you.
• 39:27
  Speaker 1: And it's a really good motivator as well. Just stay inspired,
• 39:31
  Speaker 1: Like celebrate the small things. I don't care what it
• 39:33
  Speaker 1: is or how you celebrate. Obviously, please please please don't
• 39:36
  Speaker 1: go overboard and jeopardize all your hard work. Like there's
• 39:39
  Speaker 1: treat yourself and then there's absolutely ruined yourself. These two
• 39:42
  Speaker 1: things are very different. But one thing that I've got
• 39:45
  Speaker 1: a girlfriend, right, and she adores chocolate, Like honestly, she
• 39:49
  Speaker 1: could eat chocolate till the cows come home. But she
• 39:53
  Speaker 1: buys these real bougie chocolates from Hakes in the city,
• 39:58
  Speaker 1: oh oh, and she puts little like post it notes
• 40:01
  Speaker 1: on them and sticks them in the fridge. And whenever
• 40:04
  Speaker 1: she achieves something, she goes and gets the chocolate that
• 40:07
  Speaker 1: has the post it note on it to celebrate. She
• 40:10
  Speaker 1: doesn't drink. I would probably do it with champagne or something,
• 40:13
  Speaker 1: but like she does chocolate, but like labeling the chocolate
• 40:17
  Speaker 1: and it says if I achieve X, like this is
• 40:19
  Speaker 1: the celebration, and she's just so cute, and I just
• 40:22
  Speaker 1: feel like, work out a way that you want to
• 40:25
  Speaker 1: celebrate and think about it. Is it a small thing
• 40:27
  Speaker 1: like a chocolate or is it a bigger thing like
• 40:29
  Speaker 1: maybe going out for dinner or popping a bottle of champagne.
• 40:33
  Speaker 1: It honestly doesn't matter, but it's actually really sweet to
• 40:37
  Speaker 1: put yourself in a position where that's definitely going to happen.
• 40:40
  Speaker 1: Because I think that one thing that I'm really good at,
• 40:43
  Speaker 1: and I know that a lot of people in our
• 40:44
  Speaker 1: community are going to resonate with this, is that we
• 40:47
  Speaker 1: don't celebrate our wins enough. But often that is a
• 40:51
  Speaker 1: product of us not planning to celebrate our wins. So
• 40:54
  Speaker 1: whether that is buying the chocolate and putting it in
• 40:56
  Speaker 1: the fridge before that wind happens so that you know
• 40:59
  Speaker 1: it's there and you get it when you achieve that,
• 41:01
  Speaker 1: or it's I know I'm going to achieve my savings
• 41:04
  Speaker 1: goal and I really want to go out for dinner
• 41:06
  Speaker 1: with my friend George. Book it in in advance and
• 41:09
  Speaker 1: say George, let's go out for dinner. I'm going to
• 41:12
  Speaker 1: achieve this goal next month. Can we celebrate it? I
• 41:15
  Speaker 1: promise your friends and family will be so excited to
• 41:19
  Speaker 1: celebrate those goals with you. Write them down, but please
• 41:23
  Speaker 1: make sure if you do anything in twenty twenty two.
• 41:26
  Speaker 1: One it's make sure you have an emergency fund, get
• 41:29
  Speaker 1: that thing in place. But two, please celebrate your achievements
• 41:33
  Speaker 1: like you are so worth it and I honestly want
• 41:36
  Speaker 1: to see you win it everything.
• 41:37
  Speaker 3: Yes, Okay, So to summarize, I guess the four keys
• 41:41
  Speaker 3: to goal setting are writing them down, making them achievable,
• 41:45
  Speaker 3: checking in regularly, and finally acknowledging your own success. They're
• 41:50
  Speaker 3: pretty Four is like a good number, that's the feeling.
• 41:53
  Speaker 1: Four is the new three therategic number we love.
• 41:56
  Speaker 3: Okay, So before we do head off fee, we were
• 41:59
  Speaker 3: talking before the show about how we wanted to touch
• 42:02
  Speaker 3: on comparison and how everyone over the last two years
• 42:05
  Speaker 3: has had such a different experience. You know, there's states
• 42:08
  Speaker 3: that have not been affected by the pandemic at all. Really,
• 42:11
  Speaker 3: there's others that have been. You know, they've spent a
• 42:14
  Speaker 3: lot of time in lockdown, and maybe we're all at
• 42:16
  Speaker 3: different places financially, gills. How do we not succumb to
• 42:21
  Speaker 3: that kind of toxic, sludgy feeling of comparison, if we
• 42:26
  Speaker 3: are seeing our contemporaries kicking goals.
• 42:28
  Speaker 4: That we wish we maybe were.
• 42:29
  Speaker 1: Honestly, please please, please, please have the self worth to
• 42:34
  Speaker 1: know that you are good enough and your efforts are
• 42:37
  Speaker 1: never going to betray you. Like everybody has had such
• 42:41
  Speaker 1: differing experiences over the last two years. Some of you
• 42:44
  Speaker 1: have lost your jobs, some of you have had to
• 42:47
  Speaker 1: remortgage your houses. Some of you have lost your houses,
• 42:50
  Speaker 1: some have lost loved ones, some have taken massive pay cuts,
• 42:53
  Speaker 1: some of them battling with their mental health. I know
• 42:56
  Speaker 1: some people who have been battling with not just mental
• 42:59
  Speaker 1: health but physical health and very serious illnesses during this
• 43:02
  Speaker 1: period of time, who haven't been able to even have
• 43:06
  Speaker 1: family in the hospital with them while they go through
• 43:08
  Speaker 1: these things. Like there have been some people, George, who've
• 43:12
  Speaker 1: been completely unaffected. Like it's been such a unique and
• 43:16
  Speaker 1: absolutely bizarre time. And what we really don't need right now,
• 43:20
  Speaker 1: especially is to be comparing ourselves to the journeys of
• 43:23
  Speaker 1: other people, especially because we have not experienced their journeys
• 43:28
  Speaker 1: at all. We don't know how to walk a mile
• 43:30
  Speaker 1: in somebody else's shoes because they're currently wearing them and
• 43:34
  Speaker 1: they're not actually up for you to try on. So
• 43:37
  Speaker 1: I think that we really need to remember who we
• 43:40
  Speaker 1: are and remember that we are worth so much more
• 43:43
  Speaker 1: than often what we give ourselves credit for, and just
• 43:46
  Speaker 1: because somebody else is making an achievement or somebody else
• 43:50
  Speaker 1: is in a situation where you know, over the next
• 43:52
  Speaker 1: twelve months, especially because we've been in lockdown, you know
• 43:55
  Speaker 1: what we're going to see, George. We're going to see
• 43:57
  Speaker 1: lots of people buying their first times. We're going to
• 43:59
  Speaker 1: see lots of people buying property. We're going to see
• 44:02
  Speaker 1: lots of weddings. We're going to see a lot of
• 44:04
  Speaker 1: money being spent over the next twelve months because so
• 44:07
  Speaker 1: many people haven't been able to do that during lockdown,
• 44:11
  Speaker 1: and that is going to put us in a position
• 44:13
  Speaker 1: where we sometimes feel a little bit inadequate. You'll be like, oh,
• 44:16
  Speaker 1: my gosh, how did Victoria refford a wedding after the
• 44:19
  Speaker 1: year That was like, you don't know my personal situation,
• 44:23
  Speaker 1: and my friend, I do not know yours, But what
• 44:26
  Speaker 1: I do know is that I want to celebrate you,
• 44:29
  Speaker 1: and I hope that you would extend that same grace
• 44:32
  Speaker 1: to everybody else and not see somebody else's achievements as
• 44:37
  Speaker 1: a competition, like achievements are not a competition. And I
• 44:40
  Speaker 1: said it earlier in the show, A rising tide liftsulships.
• 44:44
  Speaker 1: And that's why we always in the Shees on the
• 44:46
  Speaker 1: Money community want to embrace your money wins and your
• 44:49
  Speaker 1: money confessions because I am richer knowing that you're going
• 44:54
  Speaker 1: through that, I'm richer having those experiences shared with me
• 44:57
  Speaker 1: in terms of tips to avoid that g feeling of
• 45:00
  Speaker 1: inadequacy or the jealousy that honestly, comparison does breed. Please
• 45:05
  Speaker 1: please please pause and remind yourself that you are doing
• 45:08
  Speaker 1: a great job. If it's on social media, George, unfollow
• 45:11
  Speaker 1: those people that you just don't need to see the
• 45:13
  Speaker 1: highlights re aulers of Like, at the end of the day,
• 45:16
  Speaker 1: that's what social media is. People aren't going to be
• 45:19
  Speaker 1: sharing all of the stuff that's kind of crappy. They're
• 45:22
  Speaker 1: only going to share the good stuff. And I think
• 45:24
  Speaker 1: that there's a lot of power in the mute button,
• 45:27
  Speaker 1: Like you don't necessarily have to unfollow with them if
• 45:29
  Speaker 1: they're a friend, I just don't want to see your stuff.
• 45:32
  Speaker 1: Do cheeky mute Yep, they don't know it won't pop
• 45:35
  Speaker 1: up on your feed and you won't feel that gross
• 45:38
  Speaker 1: feeling in the bottom of your stomach if that's what
• 45:40
  Speaker 1: you're going through. I want you to learn to be
• 45:42
  Speaker 1: happy for others and actually understand that the more love
• 45:46
  Speaker 1: you give, the more love you end up receiving. I promise,
• 45:50
  Speaker 1: the more you give, the more you get back. And
• 45:52
  Speaker 1: one hot tip from me, and this was a tip
• 45:54
  Speaker 1: that we had earlier, is write it down. Write it down,
• 45:57
  Speaker 1: start a gratitude journal and start remind yourself of everything
• 46:01
  Speaker 1: you have now and all the things that you were
• 46:03
  Speaker 1: amazing at. Because I promise as much as you might
• 46:06
  Speaker 1: be looking at other people and comparing yourself to them,
• 46:09
  Speaker 1: guarantee there is somebody looking at you in exactly the
• 46:12
  Speaker 1: same way.
• 46:13
  Speaker 3: That's it, and you never you never think of it
• 46:15
  Speaker 3: that way.
• 46:15
  Speaker 1: You never know no one ever thinks of it that way.
• 46:17
  Speaker 1: Like you might be feeling super inadequate and somebody else
• 46:20
  Speaker 1: is looking over being like, oh my gosh, they have
• 46:22
  Speaker 1: it so easy, Like I can't believe they're debt free,
• 46:25
  Speaker 1: or I can't believe they're in a loving relationship, or
• 46:29
  Speaker 1: you know what, I can't believe they get to live
• 46:30
  Speaker 1: in Australia like we live in such a privileged location
• 46:35
  Speaker 1: that sometimes we just don't see the reality of our
• 46:39
  Speaker 1: own situations. But George, maybe we leave it there.
• 46:42
  Speaker 3: Maybe we leave it there A cracking epp for the
• 46:44
  Speaker 3: first the first deep dive of twenty twenty two. My friend,
• 46:47
  Speaker 3: we've done it.
• 46:49
  Speaker 1: So grateful to be back, so grateful to have you,
• 46:52
  Speaker 1: and genuinely cannot wait for another year of She's on
• 46:56
  Speaker 1: the Money.
• 46:56
  Speaker 4: Me me either.
• 46:58
  Speaker 1: All right, Well, that is all we have time for today.
• 47:01
  Speaker 1: So just before we head off, we'd like to acknowledge
• 47:04
  Speaker 1: and pay respect to Australia's Aboriginal and torrest Rate islander people's.
• 47:08
  Speaker 1: They're the traditional custodians of the lands, the waterways and
• 47:12
  Speaker 1: the skies all across Australia. We thank you for sharing
• 47:15
  Speaker 1: and for curing for the land on which we are
• 47:18
  Speaker 1: able to learn. We pay respect to elders past and present,
• 47:22
  Speaker 1: and we share our friendship and our kindness.
• 47:24
  Speaker 3: And remember, friends, that the advice shared on She's on
• 47:27
  Speaker 3: the Money is general in nature and does not consider
• 47:30
  Speaker 3: your individual's circumstances. She's on the Money exists purely for
• 47:34
  Speaker 3: educational purposes and should not be relied upon to make
• 47:37
  Speaker 3: an investment or a financial.
• 47:39
  Speaker 4: Decision and we promise.
• 47:41
  Speaker 3: Victoria Divine is an authorized representative of Australia Pacific Funds
• 47:45
  Speaker 3: Management Proprietary Limited ABN three four one three two four
• 47:49
  Speaker 3: six three two five seven AFOSL three three nine one
• 47:52
  Speaker 3: five point one.
• 47:53
  Speaker 1: See see you next week. Bye to