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Bonus Episode: She's on The Money Book - 1st Chapter · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
• 0:04
  Speaker 1: the Order Kerney Whoalbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money. She's on the Money.
• 0:57
  Speaker 2: Hello, and welcome to She's on the Money, the book
• 1:00
  Speaker 2: for millennials who want financial freedom. Now, my friends, it
• 1:04
  Speaker 2: is just me Victoria hanging out solo today to introduce
• 1:08
  Speaker 2: a little bonus episode to you. And the reason I'm
• 1:11
  Speaker 2: doing that is because everybody's got this new year you
• 1:13
  Speaker 2: me vibe going about them, and from the feedback I
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  Speaker 2: got about my first book, I felt like it would
• 1:18
  Speaker 2: be a really good New Year's gift for everybody to
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  Speaker 2: give you the first chapter of my very first book,
• 1:24
  Speaker 2: She's on the Money. So I'm hoping that this gives
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  Speaker 2: you the motivation that you absolutely deserve to kick start
• 1:30
  Speaker 2: this year. Twenty twenty three is going to be a
• 1:32
  Speaker 2: massive one for all of us. I have so many
• 1:34
  Speaker 2: plans for She's on the Money, and I just want
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  Speaker 2: our community to be on exactly the same page. So
• 1:40
  Speaker 2: as a little gift, little bonus episode, I'm dropping this
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  Speaker 2: in here so that hopefully you can find the motivation
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  Speaker 2: and if you haven't found it yet, hopefully this helps.
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  Speaker 2: So Happy New Year, my loves, I hope you enjoy it.
• 1:56
  Speaker 2: Chapter one, Everybody's Got a story. Money stories are the
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  Speaker 2: subconscious and conscious beliefs and values about money and prosperity
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  Speaker 2: that we develop early in our lives, whether we like
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  Speaker 2: it or not. They contribute to what we feel is
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  Speaker 2: financially possible, and they dictate our behavior. They form the
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  Speaker 2: foundation of how we think and communicate or react to money.
• 2:17
  Speaker 2: If conflict around money was a central theme in your upbringing,
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  Speaker 2: any conversation about money might start with a stomach ache.
• 2:23
  Speaker 2: If money was in abundance, conversations about money might allow
• 2:27
  Speaker 2: you to feel invincible or sometimes even a little bit reckless.
• 2:31
  Speaker 2: If money was something your parents took care of and
• 2:33
  Speaker 2: didn't speak about. Any conversation about money might make you
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  Speaker 2: feel unqualified, lost, or uninterested. In my mind, the most
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  Speaker 2: empowering use of money is as a way to transform
• 2:44
  Speaker 2: our lives and the lives of others. Money, after all,
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  Speaker 2: is the tool we need to live a comfortable life,
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  Speaker 2: both in the present and the future. Money is intended
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  Speaker 2: for spending, sharing, and investing, nothing more. For something with
• 2:57
  Speaker 2: such a simple and pure purpose, the reality is that
• 3:00
  Speaker 2: money can feel wildly complicated and cause an enormous amount
• 3:03
  Speaker 2: of stress. The term money anxiety has been coined non
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  Speaker 2: money intended for a reason. Worrying about where your next
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  Speaker 2: meal is coming from, how you're going to pay off
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  Speaker 2: your credit card debt, or if you can make a
• 3:14
  Speaker 2: quarter of a tank of fuel last until payday can
• 3:17
  Speaker 2: and will keep you up at night. When it comes
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  Speaker 2: to even bigger things like trying to imagine how you're
• 3:23
  Speaker 2: supposed to survive after retirement, the task can seem so
• 3:26
  Speaker 2: herculean that you avoid the thought of it altogether and
• 3:29
  Speaker 2: shove it so far into the back of your mind
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  Speaker 2: it doesn't even get acknowledged. Whatever your money story, positive
• 3:36
  Speaker 2: or negative, dealing with the mysteries of money as an
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  Speaker 2: adult can be a struggle, especially if you're a woman. Today,
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  Speaker 2: women are increasingly out earning men, but in many cases
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  Speaker 2: we still don't have the resources and tools available to
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  Speaker 2: avoid being disadvantaged. I see it, I feel it, and
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  Speaker 2: I hear it all the time. Young women feeling disempowered
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  Speaker 2: around money conversations because finance isn't a topic we've been
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  Speaker 2: taught to focus on. We don't learn about it in school,
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  Speaker 2: and most of the time, we don't learn about it
• 4:05
  Speaker 2: from our families. Gender stereotypes are still wreaking havoc on
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  Speaker 2: our ability to be financially secure and contributing to negative
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  Speaker 2: money stories. It's something I'm here to change. Young women
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  Speaker 2: need to know how to be financially free. The impact
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  Speaker 2: of this will be felt thirty, forty, even fifty years
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  Speaker 2: down the track. If you start now, creating a secure
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  Speaker 2: financial future will involve tiny baby steps instead of unrealistic leaps.
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  Speaker 2: If you can set good money habits up front, you
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  Speaker 2: can look at your finances holistically and increase your savings
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  Speaker 2: as you increase your earnings, instead of experiencing the dreaded
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  Speaker 2: lifestyle creep. What do I mean by lifestyle creep? I
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  Speaker 2: mean that more often than not. The more razors and
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  Speaker 2: bonuses you earn, the more you will spend. It could
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  Speaker 2: be brunching with friends, booking a holiday, buying a luxury car,
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  Speaker 2: getting every streaming service under the sun, or simply treating
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  Speaker 2: yourself to a good coffee every morning. All of these
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  Speaker 2: things are fine if they're what you truly value, but
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  Speaker 2: they're not going to help you build an investment portfolio
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  Speaker 2: that will provide you with financial freedom. The fact of
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  Speaker 2: the matter is you cannot save without sacrifice. Something is
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  Speaker 2: going to have to give an understanding just how beneficial
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  Speaker 2: choosing to go without can be is the first step
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  Speaker 2: to having a healthy relationship with money. Have you previously
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  Speaker 2: tried setting goals to create more abundance but didn't make
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  Speaker 2: any progress. I strongly believe that your money story can
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  Speaker 2: sabotage your plans for prosperity. Now, you can't change your
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  Speaker 2: money story, but you can reinvent it. Together, we are
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  Speaker 2: going to map out how you can free yourself to
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  Speaker 2: create a more balanced, enlightened, and positive outlook on money.
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  Speaker 2: The truth is personal finance is just that personal. And
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  Speaker 2: remember this is a no judgment zone. I'm here to
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  Speaker 2: work with you on your own story. And values. We
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  Speaker 2: all have a money story, and it's not the product
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  Speaker 2: of our own doing. It's important to say this is
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  Speaker 2: my starting position. Now, where can I go from here?
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  Speaker 2: Understanding exactly where you are right now with your money
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  Speaker 2: and knowing where it is that you want to be
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  Speaker 2: will give you the clarity and confidence to make wise
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  Speaker 2: choices that will set you up for life, both personally
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  Speaker 2: and professionally. Let's get started, shall we connecting with your
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  Speaker 2: money story? What's the first thing that came to mind
• 6:21
  Speaker 2: when the topic of money stories came up? How were
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  Speaker 2: finances handled in your family when you were growing up.
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  Speaker 2: Were financial expectations different from men and women? If so,
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  Speaker 2: what were those differences. What is your earliest memory about money?
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  Speaker 2: Was money spoken about as a family? If so, do
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  Speaker 2: you think those conversations impacted you in a positive way?
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  Speaker 2: Did anyone influence your money story in a positive way?
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  Speaker 2: What are your money beliefs? Beliefs are assumptions we hold
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  Speaker 2: to be true when we use our beliefs to make decisions.
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  Speaker 2: Were you're assuming that the causal relationships of the past
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  Speaker 2: which led to those beliefs being formed will also apply
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  Speaker 2: in the future. In a rapidly changing world, where complexity
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  Speaker 2: is increasing day by day. Using information from the past
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  Speaker 2: to make decisions about the future may not be the
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  Speaker 2: best approach. Beliefs are contextual. They arise from learned experiences
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  Speaker 2: resulting from the cultural and environmental situations we're faced. I
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  Speaker 2: want you to start thinking about your money beliefs and
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  Speaker 2: answer the following questions. Do you believe money is good
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  Speaker 2: or bad? Or is it just an evil necessity? Do
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  Speaker 2: you think money should be spent or saved? What would
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  Speaker 2: you consider a luxury purchase? Do you think money is
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  Speaker 2: hard or easy to obtain? Do you think money should
• 7:36
  Speaker 2: be your responsibility, your partners or both. Do you think
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  Speaker 2: both parties in a relationship should be empowered to make
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  Speaker 2: financial decisions. Do you think money in a marriage should
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  Speaker 2: be separate or shared? Where do you think these beliefs
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  Speaker 2: came from. What are your money values? Your money values
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  Speaker 2: are different from your money beliefs. Values are not based
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  Speaker 2: on any information from the past, and they're not contextual.
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  Speaker 2: Values are intimately related to our needs, whatever we need,
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  Speaker 2: whatever is important to us, or whenever we are missing
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  Speaker 2: from our lives. That's what we value. A good way
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  Speaker 2: to check what your values are is to check your
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  Speaker 2: bank statement and highlight what you spend most of your
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  Speaker 2: disposable income on. It's basically a bank account audit, which
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  Speaker 2: we're going to do together in the next chapter. While
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  Speaker 2: you may think you value paying off your mortgage, your
• 8:23
  Speaker 2: spending habits might reveal that you actually value nights out
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  Speaker 2: with your friends more, and that's why you have so
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  Speaker 2: many pub and wine bar charges. As our life conditions
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  Speaker 2: change and we mature and grow, our values change. When
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  Speaker 2: we use our values to make decisions, we focus on
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  Speaker 2: what is important to us or what we need in
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  Speaker 2: order to feel a sense of well being. What do
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  Speaker 2: you currently think you value and would you be willing
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  Speaker 2: to cut back on any of those activities or purchases?
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  Speaker 2: If yes, why, and if no, why not? Beliefs versus values.
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  Speaker 2: Being able to differentiate between your beliefs and your values
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  Speaker 2: will help you get your head in the right space
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  Speaker 2: to adjust your behavior with money. Neuroplasticity refers to the
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  Speaker 2: ability to retrain your brain and change your habits. As
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  Speaker 2: much as your money story is defining your habits right now,
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  Speaker 2: you can absolutely change your trajectory. To do this. You
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  Speaker 2: can ask yourself the following questions reflecting on your values.
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  Speaker 2: And beliefs. How do they make you feel? Are they
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  Speaker 2: aligned with creating the life you want for your future?
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  Speaker 2: Are your beliefs getting in the way of your goals?
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  Speaker 2: Reframe your thoughts. Most purchases are a motive. Have you
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  Speaker 2: ever had a really crappy day and thought, I deserve
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  Speaker 2: my favorite gelato right now? Or if I go and
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  Speaker 2: get that facial, I'll feel much more confident at my
• 9:41
  Speaker 2: work Christmas party, which will then help me network better
• 9:44
  Speaker 2: and ultimately get me that new account. This is called
• 9:47
  Speaker 2: retail therapy. It's your mind literally trying to soothe itself
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  Speaker 2: through shopping, and while it may hit the spot in
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  Speaker 2: that moment, it is detrimental to your bank account in
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  Speaker 2: the long run. Another major cause of money anxiety is
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  Speaker 2: the unintentional practice of comparing yourself to others. When you
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  Speaker 2: talk to colleagues, friends, or family members about salaries, savings, holidays,
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  Speaker 2: homes and the latest smart watch your phone, you can
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  Speaker 2: often end up feeling like you're not where you're supposed
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  Speaker 2: to be in life, which damages your sense of self worth.
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  Speaker 2: It's important to know that the world is not a
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  Speaker 2: level playing field and that we did not all start
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  Speaker 2: at the same point. Don't compare your start to somebody
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  Speaker 2: else's middle. Our minds are constantly giving us chatter and feedback,
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  Speaker 2: but sometimes these voices in our heads can be negative
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  Speaker 2: and unhelpful. By learning to tune into this chatter and
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  Speaker 2: reframe the messaging, you can consciously shift the tone to
• 10:39
  Speaker 2: neutral or even to positive, which can lead to better
• 10:42
  Speaker 2: decision making in every area of your life. Over the years,
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  Speaker 2: I've learned that people have excuses for everything. When people
• 10:49
  Speaker 2: say I can't, they usually mean I won't make that
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  Speaker 2: a priority right now. It doesn't matter what salary you're on.
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  Speaker 2: When you say you can't save you would if it
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  Speaker 2: meant a lot to you. You're choosing not to achieve it,
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  Speaker 2: even if you don't realize it. Financial independence is about
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  Speaker 2: mindset and approach. Since your emotions are guiding your purchasing decisions,
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  Speaker 2: you need to be able to reframe your reactions to
• 11:12
  Speaker 2: your thoughts so that they can align with your values.
• 11:16
  Speaker 2: Take one of the money beliefs you came up with
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  Speaker 2: earlier that has an associated negative emotion for you. It
• 11:21
  Speaker 2: might be a belief that makes you feel mad, sad, frustrated, stressed, trapped,
• 11:26
  Speaker 2: or even worried in your pdf workbook. Write down the
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  Speaker 2: thought that created this feeling and how you usually act
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  Speaker 2: upon this belief. How can you reframe this event in
• 11:36
  Speaker 2: a way that will bring more positive emotions and less
• 11:39
  Speaker 2: negative ones. I am here to help you build a bigger,
• 11:42
  Speaker 2: better version of yourself. Money is really important, but it's
• 11:46
  Speaker 2: not what matters the most in life. Not making a
• 11:49
  Speaker 2: choice is actually still making a choice. If you're not
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  Speaker 2: ready to face your money story, that's fine, but be
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  Speaker 2: aware that it's also a choice that you are making.
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  Speaker 2: I know changes on comfortable, but your thoughts, behaviors, and
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  Speaker 2: beliefs are guided by your money story, and it's up
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  Speaker 2: to you to change yours. Stephanie's money story. She's twenty
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  Speaker 2: four from South Australia. My parents immigrated to Australia from
• 12:14
  Speaker 2: Poland when I was four. Growing up, my siblings and
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  Speaker 2: I could sense that money was tight. We shared a bedroom,
• 12:20
  Speaker 2: ate the same things for dinner every week, didn't go
• 12:23
  Speaker 2: on holidays, and always had hammy down clothing. My parents
• 12:26
  Speaker 2: often talked about the importance of saving, so even when
• 12:30
  Speaker 2: they wanted to treat us to an ice cream at
• 12:31
  Speaker 2: the pool or offered to take us to the movies,
• 12:34
  Speaker 2: would say no, because we wanted to be on their
• 12:36
  Speaker 2: savings team. Fast forward to today, I'm twenty four and
• 12:40
  Speaker 2: in my first year of working as a vet nurse.
• 12:42
  Speaker 2: While most of my friends don't have much in their
• 12:44
  Speaker 2: savings account, I have nineteen thousand dollars because I grew
• 12:48
  Speaker 2: up always thinking I needed a safety blanket. Watching my
• 12:51
  Speaker 2: parents struggle made me hyper aware of not spending money
• 12:54
  Speaker 2: on unnecessary things. While I know this is an amazing
• 12:57
  Speaker 2: position to be in, I feel like my money's story
• 13:00
  Speaker 2: is holding me back from investing and making my money
• 13:02
  Speaker 2: really work for me. This year, my goal is to
• 13:05
  Speaker 2: loosen my grip on my savings account balance so that
• 13:08
  Speaker 2: I can allocate more to investments. Kathy's money story. She's
• 13:13
  Speaker 2: thirty three from New South Wales. I struggled through my parents'
• 13:17
  Speaker 2: messy divorce where my mom had terrible money handling skills.
• 13:21
  Speaker 2: I ended up working after school to help support us
• 13:24
  Speaker 2: and was paying bills in rent at fifteen. In the
• 13:26
  Speaker 2: early years, I followed my mom's lead and went into
• 13:29
  Speaker 2: debt overspend and didn't value saving. I've now turned things
• 13:33
  Speaker 2: around with my husband's help. We've bought our own home,
• 13:36
  Speaker 2: done a bit of traveling, and saved for our first
• 13:38
  Speaker 2: baby so that I can take maternity leave. Still not
• 13:41
  Speaker 2: as set up as I'd like, but proud of my change.
• 13:45
  Speaker 2: Aaron's money story. She's twenty five from Victoria. Growing up,
• 13:50
  Speaker 2: I had divorced parents. My single mom was never poor,
• 13:53
  Speaker 2: but I remember as a teenager always being conscious of
• 13:55
  Speaker 2: how much things cost. For example, my sister and I
• 13:58
  Speaker 2: knew to try and pick the ch heapest things or
• 14:00
  Speaker 2: opt for the less expensive recreational sport or hobby. It
• 14:04
  Speaker 2: sucked not for us, but I could sense that Mum
• 14:06
  Speaker 2: almost felt embarrassed about it, which made me sad to see.
• 14:10
  Speaker 2: Years later, she is remarried and earning a higher end,
• 14:13
  Speaker 2: middle bracket salary. However, she is a spender under stress.
• 14:16
  Speaker 2: Whenever she is stressed, usually about money, she buys a
• 14:20
  Speaker 2: new plan to or the most random things on eBay,
• 14:23
  Speaker 2: which then sit in a cupboard. My mom and stepdad
• 14:25
  Speaker 2: pretty much live paycheck to paycheck. They've dipped into their
• 14:29
  Speaker 2: super funds. My stepdad was seriously ill a few years
• 14:32
  Speaker 2: ago and needed slash still need some time off work.
• 14:35
  Speaker 2: They still owe about four hundred thousand dollars on their
• 14:37
  Speaker 2: mortgage and are both in their mid to late fifties.
• 14:40
  Speaker 2: I honestly worried that they will never be able to
• 14:42
  Speaker 2: retire early or comfortably, which is stressful. My dad passed
• 14:46
  Speaker 2: away when I was seventeen. He lived into State and
• 14:49
  Speaker 2: we would fly over in the school holidays at his expense.
• 14:53
  Speaker 2: We knew he earned well. We later found out he
• 14:55
  Speaker 2: earned in the six figures. However, we never knew much
• 14:58
  Speaker 2: about the details, except that he could afford to send
• 15:00
  Speaker 2: us to a private school for VC and would fly
• 15:03
  Speaker 2: to holiday destinations without much worry. He lived in a
• 15:06
  Speaker 2: nice townhouse and had investment properties, but when he died
• 15:10
  Speaker 2: we found out that he was also in a lot
• 15:12
  Speaker 2: of debt. My sister and I ended up inheriting quite
• 15:15
  Speaker 2: a small amount, under three hundred thousand dollars, despite the
• 15:18
  Speaker 2: combined millions tied up in housing and shares, the risky types.
• 15:23
  Speaker 2: Of course, we didn't care about the money because we
• 15:25
  Speaker 2: were so grief stricken. Nonetheless, I wondered to this day
• 15:28
  Speaker 2: how he got himself in this situation. Obviously he was
• 15:32
  Speaker 2: not overly responsible with money. Finally, my granddad, who also
• 15:36
  Speaker 2: used to earn in the six figures back when he
• 15:38
  Speaker 2: was working in the financial industry, ironically now lives at
• 15:41
  Speaker 2: home with my mum and stepdad because he became unable
• 15:44
  Speaker 2: to pay his rent after my grandmother passed away. My
• 15:47
  Speaker 2: granddad lost a lot of money on the stock market
• 15:49
  Speaker 2: multiple times over his lifetime. After my grandmother died, he
• 15:53
  Speaker 2: said that he got depressed and so he spent the
• 15:55
  Speaker 2: rest of his money because nothing mattered anymore. This was,
• 15:58
  Speaker 2: of course very sad Here, however, he has more than
• 16:01
  Speaker 2: once told me that even when he earned all that money,
• 16:04
  Speaker 2: he never saved because he didn't really think he needed to.
• 16:08
  Speaker 2: So here, he is approaching ninety years old having to
• 16:11
  Speaker 2: be so mindful with how he spends his small government pension.
• 16:14
  Speaker 2: My family supports him, but I still see how much
• 16:17
  Speaker 2: his life is affected by this. The fact that he
• 16:19
  Speaker 2: feels embarrassed that we pay most of the time when
• 16:21
  Speaker 2: we take him out for lunch is upsetting. We have
• 16:24
  Speaker 2: tried to tell him it doesn't matter, but it has
• 16:26
  Speaker 2: impacted him greatly that he feels he can't leave an inheritance.
• 16:29
  Speaker 2: The worst part is if he had saved back then,
• 16:32
  Speaker 2: he could have set himself up for such a care
• 16:34
  Speaker 2: free retirement. I've been influenced by all of these stories.
• 16:38
  Speaker 2: I'm also a big stress spender working on it. I
• 16:41
  Speaker 2: started my first real job, part time salary last year,
• 16:44
  Speaker 2: moved out of home into a sharehouse, and spent way
• 16:46
  Speaker 2: too much on disposable items, boths to celebrate my newfound
• 16:50
  Speaker 2: independence and also to cheer myself up during a very
• 16:53
  Speaker 2: hard graduate year. I remember having about ten dollars collectively
• 16:56
  Speaker 2: across all my bank accounts as twenty twenty yearrolled in
• 16:59
  Speaker 2: and act having to borrow money from my mum to
• 17:02
  Speaker 2: get me through to my next paycheck. Since then, I've
• 17:04
  Speaker 2: made it my goal to use this year to get
• 17:06
  Speaker 2: my emergency savings into action, and I've cut back and
• 17:09
  Speaker 2: budgeted so much that I've saved my first thousand dollars
• 17:13
  Speaker 2: basically ever in just over a month because I was
• 17:16
  Speaker 2: sick of being broke. I find that my family's money
• 17:19
  Speaker 2: stories have motivated me. I don't want to have to
• 17:21
  Speaker 2: rely on anyone else, especially as I get older. I
• 17:24
  Speaker 2: also know I need to be in a good financial
• 17:26
  Speaker 2: position because it is likely my sister and I will
• 17:29
  Speaker 2: one day need to step in and help my parents financially.
• 17:33
  Speaker 2: Take note one, money stories are the subconscious and conscious
• 17:37
  Speaker 2: beliefs and values about money and prosperity that we develop
• 17:40
  Speaker 2: early in our lives.
• 17:43
  Speaker 1: Two.
• 17:43
  Speaker 2: As much as your money story is defining your habits
• 17:46
  Speaker 2: right now, you absolutely have the capacity to change your trajectory. Three.
• 17:51
  Speaker 2: When we use our values to make decisions, we focus
• 17:54
  Speaker 2: on what is important to us or what we need
• 17:57
  Speaker 2: to feel a sense of well being. The advice shared
• 18:07
  Speaker 2: on She's on the Money is general in nature and
• 18:09
  Speaker 2: does not consider your individual circumstances. She's on the Money
• 18:13
  Speaker 2: exists purely for educational purposes and should not be relied
• 18:16
  Speaker 2: upon to make an investment or financial decision. If you
• 18:20
  Speaker 2: do choose to buy a financial product, read the PDS
• 18:22
  Speaker 2: TMD and obtain appropriate financial advice tailored towards your needs.
• 18:27
  Speaker 2: Victoria Divine and She's on the Money are authorized representatives
• 18:31
  Speaker 2: of money. Sheper pty Ltd ABN three two one six
• 18:35
  Speaker 2: four nine two seven seven zero eight AFSL four five
• 18:39
  Speaker 2: one two eight nine