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Our 5 Christmas Wishes For You (That’ll Make You Richer, Calmer & More Confident in 2026) · She's On The Money

• 0:00
  Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations
• 0:03
  Speaker 1: woman and I'm here to acknowledge country t Glenn Young
• 0:07
  Speaker 1: Ganya Niana, kaka ya Ya bin Ahaka Nian our gay
• 0:11
  Speaker 1: In Nimbini yakarum jar Dominyama, Domagahawakaman, damon imlan Bumba ban
• 0:17
  Speaker 1: Gadabomba in and now in wakah ghan On yakram jar Watnataa. Hello,
• 0:22
  Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.
• 0:26
  Speaker 1: We thank, acknowledge and respect the Abiginal people's land that
• 0:29
  Speaker 1: we're gathering on today. Take pleasure in all the land
• 0:32
  Speaker 1: and respect all that you see. She's on the Money
• 0:35
  Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,
• 0:42
  Speaker 1: knowledge and resources for you to thrive.
• 0:44
  Speaker 2: She's on the Money.
• 0:46
  Speaker 3: She's on the Money.
• 1:07
  Speaker 4: Hello and welcome to She's on the Money, the podcast
• 1:10
  Speaker 4: that's here to slay your finances this.
• 1:12
  Speaker 2: Christmas, Oh you funny.
• 1:14
  Speaker 4: I'm backsided And if your brain feels like a half
• 1:17
  Speaker 4: melted Pavlova right now, you are not alone. This time
• 1:20
  Speaker 4: of year is a lot, the family dynamics, the money stress,
• 1:23
  Speaker 4: the expectations, so this episode, it's not about budgets or
• 1:27
  Speaker 4: hacks or to do lists. It's a little gift from
• 1:29
  Speaker 4: us to you. Five things we wish for you as
• 1:31
  Speaker 4: twenty twenty five wraps up and twenty twenty six rolls
• 1:34
  Speaker 4: in and helping me deliver them is Victoria divine Merry
• 1:38
  Speaker 4: Christmas vee h.
• 1:39
  Speaker 5: There you didn't expect to see me here? No, actually,
• 1:42
  Speaker 5: Christmas Eve. I you guys know, I'm such a Christmas fiend.
• 1:47
  Speaker 5: I love the festivity, I love the family, I love
• 1:51
  Speaker 5: the friend. Oh.
• 1:52
  Speaker 2: I love a half melted pavlova. You know what.
• 1:55
  Speaker 5: I am a believer that the pavlova is better this
• 1:58
  Speaker 5: second day, Like you know, when like you've had the party,
• 2:01
  Speaker 5: everyone like I was like, oh.
• 2:02
  Speaker 2: No thanks, no thanks.
• 2:03
  Speaker 5: On dessert that it goes into the fridge and then
• 2:04
  Speaker 5: you eat it the next morning for breakfast.
• 2:06
  Speaker 2: That is peak pavlova for me.
• 2:08
  Speaker 4: Anything that's been that's had time to marinate overnight is
• 2:11
  Speaker 4: more delicious.
• 2:12
  Speaker 2: Yeah, a marinated pavlova. I've never been a big fan.
• 2:15
  Speaker 4: It's been too eggy for my liking. What is wrong
• 2:17
  Speaker 4: with you?
• 2:18
  Speaker 5: You know?
• 2:19
  Speaker 2: How did you get on this show? How did you
• 2:20
  Speaker 2: pass all the like tests we put in place, and
• 2:23
  Speaker 2: then finding out you don't like Panova.
• 2:25
  Speaker 4: I scrape all the cream off the top.
• 2:27
  Speaker 5: That's got an Australian not really, Oh my goodness. Well, also,
• 2:32
  Speaker 5: while I'm here, I just wanted to acknowledge that as
• 2:34
  Speaker 5: much as I love Christmas, I also think it is
• 2:37
  Speaker 5: a very good time to talk about how it's actually
• 2:40
  Speaker 5: not an easy time for everyone in our community. Like
• 2:43
  Speaker 5: I'm hearing it every day, and I'm just so grateful
• 2:45
  Speaker 5: that you guys feel safe enough to message me and
• 2:47
  Speaker 5: be like this is so trash be and I go, yeah,
• 2:50
  Speaker 5: like that would be trash, Like yes, I'm here to
• 2:52
  Speaker 5: empathize with you, like we know that it is a
• 2:55
  Speaker 5: really stressful period of time, whether that is as you
• 2:58
  Speaker 5: mentioned before, the family dynamic, even the travel, but mostly
• 3:02
  Speaker 5: at the moment we are still going through a cost
• 3:04
  Speaker 5: of living crisis, so our finances are taking a hit.
• 3:07
  Speaker 5: But then we're also just like stressed about that. So
• 3:10
  Speaker 5: many of you who have been messaging me saying, oh
• 3:12
  Speaker 5: my god, ve like, I'm so stressed. I can't even
• 3:14
  Speaker 5: look forward to Christmas because I've overspent.
• 3:18
  Speaker 2: So I'm giving these gifts.
• 3:19
  Speaker 5: Knowing it's quote the right thing, but I just still
• 3:21
  Speaker 5: feel like trash about it, Like there's just nothing that
• 3:24
  Speaker 5: feels good, and so I just I think that the
• 3:27
  Speaker 5: important thing to remind you of on Christmas Eve, before
• 3:30
  Speaker 5: Christmas Day, when we're probably all I don't know if
• 3:33
  Speaker 5: you do this, but like I over analyze everything. I
• 3:36
  Speaker 5: know you do too, because like the language of yours
• 3:39
  Speaker 5: is gift giving, and so you're probably like, oh my god,
• 3:41
  Speaker 5: did I get just enough?
• 3:42
  Speaker 2: Or did I do this? Or did I do that?
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  Speaker 5: The good gifts and the things that matter at this
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  Speaker 5: point of view have nothing to do with physical gifts, right,
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  Speaker 5: Like they aren't wrapped in shiny paper, but they're full
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  Speaker 5: of heart and love and care.
• 3:58
  Speaker 2: And I think.
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  Speaker 5: That's exactly what we all need to be hearing this Christmas.
• 4:02
  Speaker 5: Like I am so grateful that tomorrow morning I'm going
• 4:05
  Speaker 5: to wake up with my husband and my son.
• 4:07
  Speaker 4: Yeah exactly, just like.
• 4:08
  Speaker 5: I'm just so excited, Like I have shake a pancake
• 4:12
  Speaker 5: mix and I cannot wait to try and make the
• 4:16
  Speaker 5: dodgiest shaped Christmas tree pancakes in the entire world.
• 4:20
  Speaker 2: And that's what I'm excited for.
• 4:22
  Speaker 5: And I just hope that you and our community can
• 4:25
  Speaker 5: find things that you're excited about tomorrow that don't involve
• 4:29
  Speaker 5: the gifts, that don't involve the fanciest of foods on
• 4:32
  Speaker 5: the Christmas table, that don't involve money.
• 4:35
  Speaker 2: But yes, honestly, that's not what it's about exactly.
• 4:38
  Speaker 4: And I feel like, you know, there are some people
• 4:39
  Speaker 4: who are stressed because they don't have the money, and
• 4:41
  Speaker 4: there's some people that are stressed or like just feeling
• 4:43
  Speaker 4: really sad and lonely because they might not have anyone
• 4:46
  Speaker 4: to celebrate Christmas with it, and some people do celebrate
• 4:48
  Speaker 4: Christmas at all, which is completely the case.
• 4:50
  Speaker 2: I'll still reply on Christmas Day.
• 4:52
  Speaker 4: Yeah, well, if you want to say, hey, message us
• 4:54
  Speaker 4: and then I can, like I can check you on
• 4:56
  Speaker 4: video call and you can sit and you can.
• 4:58
  Speaker 5: Join me in my brothers. I feel like that's so wholesome.
• 5:01
  Speaker 5: But then also like, don't mope. I know that it sucks,
• 5:05
  Speaker 5: and I know that you're probably not looking forward to
• 5:08
  Speaker 5: it all, but like, if you've got the time, it's
• 5:10
  Speaker 5: Christmas Eve, we've still got time to save this. Write
• 5:12
  Speaker 5: a list of all the self carey things you could
• 5:14
  Speaker 5: do tomorrow so that you can put you first, like
• 5:16
  Speaker 5: you might be on your own but like, what's your
• 5:18
  Speaker 5: favorite movie, Let's watch that tomorrow. Do you have a
• 5:21
  Speaker 5: favorite food you could cook? Like, is there a fancy
• 5:23
  Speaker 5: drink we could go by? Like how do we curate
• 5:26
  Speaker 5: a cute day.
• 5:26
  Speaker 4: That's just for you exactly?
• 5:29
  Speaker 2: We could go on a big walk. Are you close
• 5:31
  Speaker 2: to the beach? Like, do you know what the beach
• 5:32
  Speaker 2: is going to be dead tomorrow? You could go on
• 5:34
  Speaker 2: the best self care walk?
• 5:35
  Speaker 5: Yeah, And I'm manifesting good Christmas weather, So I just yeah,
• 5:41
  Speaker 5: I just feel like there's a lot that we could do,
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  Speaker 5: And I think sometimes we just have to choose to
• 5:46
  Speaker 5: force ourselves to have a good day to yea, even
• 5:48
  Speaker 5: if it feels a little bit trashy starting.
• 5:50
  Speaker 4: Because if you don't have anyone else, you have yourself
• 5:52
  Speaker 4: and you're going to take yourself on a date. Yes,
• 5:55
  Speaker 4: that's gorgeous. So we've got our wishless prep.
• 5:58
  Speaker 2: Yeah, and color.
• 6:00
  Speaker 5: Of course, my n is color coded. It's also in
• 6:02
  Speaker 5: the notesap of my phone.
• 6:04
  Speaker 4: Oh yeah, it's so satisfying, So be what's up first?
• 6:08
  Speaker 2: All right, I have written this one down because I want.
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  Speaker 5: To start with I would say the biggest one, the
• 6:12
  Speaker 5: most classic, most cliched, totally overused Christmas, which of all time,
• 6:18
  Speaker 5: but I would say for very good reason. So my
• 6:21
  Speaker 5: first wish for you is it's not world peace that
• 6:24
  Speaker 5: you saw that coming. You were like this woman thinks
• 6:26
  Speaker 5: she's Miss America, although that would be very nice too,
• 6:30
  Speaker 5: I mean personal, financial, and emotional peace. So I'm literally
• 6:34
  Speaker 5: just starting with peace. Like I know that that sounds
• 6:37
  Speaker 5: a little bit cliche, and I prefaced it that it
• 6:40
  Speaker 5: was going to be. If anything, I am lame, Like
• 6:43
  Speaker 5: I'm lay that is fine, go back to basics sometimes,
• 6:46
  Speaker 5: you know, but it's so underrated. Yeah, Like we talk
• 6:50
  Speaker 5: about wanting success and we want money, and we want,
• 6:53
  Speaker 5: you know, other people to see us doing well, and
• 6:56
  Speaker 5: we want shiny things.
• 6:57
  Speaker 2: But like I would say, the older I get, the
• 7:01
  Speaker 2: more I'm like, I just want my peace.
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  Speaker 5: Yeah, Like I want the flexibility to choose to not
• 7:07
  Speaker 5: have to rush. And peace matters just as much as
• 7:10
  Speaker 5: anything else. And it is so okay to just want that.
• 7:14
  Speaker 5: And the truth is peace doesn't actually just appear like
• 7:19
  Speaker 5: it's a conscious choice. Like you have to catch yourself
• 7:23
  Speaker 5: in the negative self talk. You have to be able
• 7:26
  Speaker 5: to cut.
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  Speaker 2: Ties with people that you maybe need to.
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  Speaker 5: Cut ties with so that you can find your peace
• 7:32
  Speaker 5: and prioritize your peace. But so many of us, especially
• 7:35
  Speaker 5: at this point of the year, and like, I don't
• 7:37
  Speaker 5: know about you, but I TikTok doom scroll all the
• 7:40
  Speaker 5: time and I talk about it all the time. And
• 7:42
  Speaker 5: the influencer halls at the moment of people just like
• 7:47
  Speaker 5: being like, oh, and I've bought this and this and
• 7:48
  Speaker 5: this and this is my Christmas list, and it's all
• 7:50
  Speaker 5: just so materialistic, and we find ourselves slipping into like
• 7:55
  Speaker 5: a state of comparison. Even I'm doing it, Like I'm
• 7:57
  Speaker 5: looking at people's Christmas halls and like them putting together
• 8:00
  Speaker 5: their kids Christmas stockings, and I'm thinking.
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  Speaker 2: But have I just not done enough? Like am I
• 8:05
  Speaker 2: a bad mum? Like I have.
• 8:08
  Speaker 5: A very limited Christmas stocking for Harvey because he's not
• 8:12
  Speaker 5: even yet too I'm like, you don't need anything, Like
• 8:15
  Speaker 5: I could probably wrap up a pair of socks from
• 8:17
  Speaker 5: my husband that he's already worn, and my son would
• 8:19
  Speaker 5: rip it open and be.
• 8:20
  Speaker 2: Like, wow, Daddy socks, like exactly.
• 8:22
  Speaker 5: So I don't know, I just feel like I've been
• 8:25
  Speaker 5: slipping into this analysis paralysis or like comparison culture, and
• 8:30
  Speaker 5: like just put that in the bin, like My first
• 8:32
  Speaker 5: wish for you literally is peace.
• 8:34
  Speaker 4: Yeah, what else.
• 8:36
  Speaker 2: Could that look like?
• 8:37
  Speaker 5: I suppose, especially when it's not just Christmas related, because
• 8:41
  Speaker 5: I think that I just wish this for you now
• 8:43
  Speaker 5: and into the future. But like not spiraling when you
• 8:46
  Speaker 5: see somebody else's gone on holiday on Instagram, not going, oh,
• 8:50
  Speaker 5: I can't believe they can afford that, Like that's crazy.
• 8:53
  Speaker 2: They probably can't.
• 8:54
  Speaker 5: So they can't.
• 8:56
  Speaker 2: They're probably in debt.
• 8:57
  Speaker 5: I also want you to forgive yourself if you're listening
• 9:00
  Speaker 5: to this episode and you're like, oh my god, VI,
• 9:02
  Speaker 5: I know, but I also already overspent, Like I already
• 9:05
  Speaker 5: overspent this Christmas Like it's cooked.
• 9:08
  Speaker 2: Eh, who cares? You already did it? Don't worry? Why
• 9:12
  Speaker 2: are you beating yourself up?
• 9:13
  Speaker 4: Also, the fact that you overspent means that you were
• 9:15
  Speaker 4: trying to buy things for either yourself.
• 9:17
  Speaker 2: Yeah, Like are you just a good human trying to
• 9:19
  Speaker 2: do a good human Like just because you did one
• 9:22
  Speaker 2: thing that you're like, oh, I wish I didn't do that.
• 9:24
  Speaker 5: Like, let's just not beat ourselves up. The what do
• 9:26
  Speaker 5: you get out of that except for feeling like trash?
• 9:29
  Speaker 5: Like making people feel like trash doesn't help them change.
• 9:32
  Speaker 5: I want you to even have hopefully a tiny buffer
• 9:37
  Speaker 5: so that if an unexpected bill pops up, it doesn't
• 9:40
  Speaker 5: knock you out. So tomorrow, if hypothetically you open a
• 9:44
  Speaker 5: present and you're like, oh, I don't really need this.
• 9:46
  Speaker 2: Facebook marketplace is looking so good.
• 9:48
  Speaker 4: Yeah, and that.
• 9:49
  Speaker 5: Could be like a little like I don't know, emergency
• 9:52
  Speaker 5: fund buffer like you true, thanks Sony Karen for that
• 9:55
  Speaker 5: present that just turned into my emergency fund.
• 9:58
  Speaker 2: Very nice.
• 10:00
  Speaker 5: It's also and I talk about this all the time,
• 10:02
  Speaker 5: automate your money so that doesn't live rent free in
• 10:04
  Speaker 5: your head if you're always thinking about money, when your next.
• 10:06
  Speaker 2: Bill is you direct debits exist.
• 10:09
  Speaker 5: Set these things up automated, stick in an automation so
• 10:13
  Speaker 5: that your savings go to savings, your investments go to investments,
• 10:16
  Speaker 5: or your debt repayments go to debt repayments.
• 10:18
  Speaker 2: Just get it done.
• 10:19
  Speaker 5: And also, can we just remind everybody here and now
• 10:22
  Speaker 5: that your worth is not dictated by your bank account exactly.
• 10:26
  Speaker 5: Have you ever been like, I really want to hang
• 10:28
  Speaker 5: out with her. She's really cool. She's got so much
• 10:31
  Speaker 5: money in her bank totally that that doesn't happen.
• 10:35
  Speaker 2: That's not a real thing.
• 10:36
  Speaker 4: That doesn't happen and I but also, yeah, at the
• 10:39
  Speaker 4: end of it all, I really think, like whether you
• 10:41
  Speaker 4: have overspent, whether you've whatever. I just think, isn't it
• 10:45
  Speaker 4: so great that you have people that you can overspend on?
• 10:48
  Speaker 2: Do you know what I mean exactly? And even if that.
• 10:50
  Speaker 4: Person is yourself, you deserve all the treats in the world.
• 10:53
  Speaker 5: You deserve a million treats, you really do. You are
• 10:55
  Speaker 5: also the sweet treat.
• 10:57
  Speaker 4: You're the sweet treat, and you deserve a sweet treat.
• 11:00
  Speaker 4: So next on the list is another very Christmas y wish.
• 11:03
  Speaker 4: I we sa it is joy.
• 11:05
  Speaker 5: Yeah, okay, so we didn't say that this wasn't going
• 11:08
  Speaker 5: to be lame like where we're like, this is going
• 11:10
  Speaker 5: to be stereotypical, but we'll make sure that it sticks.
• 11:13
  Speaker 2: Right Yeah yeah yeah.
• 11:15
  Speaker 5: So we see it all the time, people thinking that
• 11:17
  Speaker 5: they need to choose between like their fun or their finances.
• 11:20
  Speaker 5: And I think so much of the conversation around money
• 11:23
  Speaker 5: is about restraint.
• 11:25
  Speaker 2: And how many times do I say.
• 11:26
  Speaker 5: Your budget isn't about restricting yourself, It's about understanding, let's
• 11:30
  Speaker 5: not forget the money can also spark joy, yeap, Like
• 11:34
  Speaker 5: that's allowed. In fact, it's essential, Like Otherwise, if you're
• 11:39
  Speaker 5: restricting yourself forever, you're going to blow out or burn out.
• 11:41
  Speaker 5: And this one is so important, especially for those of
• 11:44
  Speaker 5: us who are like savers and we really struggle to
• 11:48
  Speaker 5: actually spend our money our community members who are chasing
• 11:52
  Speaker 5: joy with money, but then they're overspending in the wrong places,
• 11:56
  Speaker 5: Like that's not the type of joy we're talking about, Like,
• 11:58
  Speaker 5: how do you create a buffer so even when you
• 12:01
  Speaker 5: do spend on fun things, you don't feel guilty because
• 12:03
  Speaker 5: how many times do we hear on money diaries and
• 12:06
  Speaker 5: just from our community like.
• 12:07
  Speaker 2: Oh, v like I do it. I do. I have
• 12:09
  Speaker 2: a budget and it's for fun stuff.
• 12:11
  Speaker 5: But when I go and get my nails done, I
• 12:13
  Speaker 5: just feel really guilty because that was fifty dollars that
• 12:15
  Speaker 5: I probably didn't need to spend on myself. Hey sorry, sorry,
• 12:20
  Speaker 5: that's a good things.
• 12:21
  Speaker 2: It sparks joy, Like we don't feel guilty about that.
• 12:24
  Speaker 2: That's why we have a plan.
• 12:26
  Speaker 5: And I guess in addition to all of that, when
• 12:30
  Speaker 5: I say, oh, like, let's find joy, find joy in
• 12:33
  Speaker 5: the simple things like going for a walk, feeling the
• 12:37
  Speaker 5: cold air on your face, Like can you go for
• 12:40
  Speaker 5: a swim? Can you get a dollar fifty coffee from
• 12:43
  Speaker 5: seven to eleven. I didn't do it with someone you love,
• 12:46
  Speaker 5: light Beck.
• 12:46
  Speaker 4: Exactly, do you know what I mean?
• 12:48
  Speaker 5: Like, Yeah, I feel like the more successful I am,
• 12:51
  Speaker 5: and I'm so grateful for that.
• 12:53
  Speaker 2: But the more successful i.
• 12:54
  Speaker 5: Am, the more I'm falling back on the little things
• 12:57
  Speaker 5: actually being the big things. Yeah, yeah, the more I'm like, oh,
• 13:01
  Speaker 5: that walk goes so good, And how the hell are
• 13:04
  Speaker 5: you going to be grateful for the really big things
• 13:06
  Speaker 5: if you don't even care about the small things totally?
• 13:08
  Speaker 4: And I really think like if you're attaching guilt to
• 13:11
  Speaker 4: joy and you know, we we I think have been.
• 13:15
  Speaker 4: This has been drilled into us since like kids, because
• 13:17
  Speaker 4: if you aren't studying or if you aren't paying attention
• 13:21
  Speaker 4: in school, if you're doing anything that sparks joy, it's like, well,
• 13:24
  Speaker 4: you shouldn't be doing that, but we can let go
• 13:27
  Speaker 4: of that, you know.
• 13:28
  Speaker 2: We should be Well, you just choose not to do that, Like.
• 13:30
  Speaker 4: Yeah, you just you should be feeling joy and you
• 13:33
  Speaker 4: can feel joy and you're allowed to feel joy. Don't
• 13:35
  Speaker 4: attach guilt to that because then it takes all the
• 13:37
  Speaker 4: joy out of the little things.
• 13:38
  Speaker 5: Exactly, And like I want you to spend your money
• 13:42
  Speaker 5: on things that actually light you up, not what just
• 13:45
  Speaker 5: looks good and shiny on Instagram. And you need to
• 13:47
  Speaker 5: separate those two things because it's so easy.
• 13:50
  Speaker 2: I'm so easily influenced.
• 13:52
  Speaker 5: Beck, Like I see something on Instagram, and then I
• 13:54
  Speaker 5: see it a few more times, I'm like, maybe I
• 13:56
  Speaker 5: do need that.
• 13:57
  Speaker 2: Yeah, totally, Like what do you actually enjoy?
• 13:59
  Speaker 5: Are you doing that because you just want to feel
• 14:01
  Speaker 5: included and you know, want to join in on a
• 14:04
  Speaker 5: trend or you're like, oh my god, I'm so excited
• 14:07
  Speaker 5: to buy a polymerclay set and like start making little
• 14:11
  Speaker 5: trinkets like go run your own race.
• 14:14
  Speaker 2: Do what lights you up? Because, don't get me.
• 14:18
  Speaker 5: Wrong, feeling the buzz when you see like your debt
• 14:20
  Speaker 5: shrinking or your savings growing is actually incredible. So we
• 14:25
  Speaker 5: need to be balanced about this, right, So we're not
• 14:27
  Speaker 5: just spending only on joy and being like no, Victoria
• 14:30
  Speaker 5: said spark joy always like sorry, how good does it
• 14:34
  Speaker 5: feel back to.
• 14:35
  Speaker 2: Get out of debt?
• 14:36
  Speaker 4: Oh my god, for so good?
• 14:37
  Speaker 5: But also how much easier is life and how much
• 14:40
  Speaker 5: better do you feel when you're like, oh, I've got
• 14:43
  Speaker 5: five hundred dollars in my investing account or, I've got
• 14:46
  Speaker 5: money in savings, like everything feels easier.
• 14:49
  Speaker 2: Yeah, So like that needs to be a priority as well.
• 14:51
  Speaker 5: So don't get me wrong, We're not just like throwing
• 14:53
  Speaker 5: money at things that spark joy, because I feel like
• 14:57
  Speaker 5: a lot of the time a lot of us are,
• 15:01
  Speaker 5: and this is maybe me being a little bit negative,
• 15:03
  Speaker 5: but us saying things like no, it's self care, I
• 15:06
  Speaker 5: deserve it. I'm really flat at the moment when the
• 15:08
  Speaker 5: reality is you haven't gotten off your button, gone for
• 15:11
  Speaker 5: a good walk, you haven't called a friend and caught
• 15:13
  Speaker 5: up with them recently, you haven't done anything actually to
• 15:15
  Speaker 5: nourish you. You're not drinking enough water, you're not actually
• 15:18
  Speaker 5: doing all of the basic fundamental self care things. But
• 15:21
  Speaker 5: then you're justifying a massage and being like, well, I
• 15:24
  Speaker 5: need it for my self care. Like, let's just get
• 15:26
  Speaker 5: our little house sorted, actually care about ourselves.
• 15:29
  Speaker 2: Let's look at our debt, let's get out of our debt.
• 15:32
  Speaker 5: Let's make sure that if you had a savings plan,
• 15:34
  Speaker 5: you're committing to that because long term, that's what's going
• 15:37
  Speaker 5: to pay off. Long term, that's how you're going to
• 15:39
  Speaker 5: feel better about yourself and feel good. Right, totally and
• 15:43
  Speaker 5: you know what that's going to do.
• 15:45
  Speaker 4: Spark joy, spuck joy.
• 15:46
  Speaker 2: See I wrapped it.
• 15:48
  Speaker 4: God, she's good.
• 15:49
  Speaker 2: Oh, I'm really impressed with myself.
• 15:51
  Speaker 5: So let's go to a really quick break because I
• 15:53
  Speaker 5: don't think it's going to get better in terms of
• 15:56
  Speaker 5: me wrapping it there.
• 15:57
  Speaker 2: And on the flip side, we're going to unpack a.
• 15:59
  Speaker 5: Wish that has I guess central to She's on the
• 16:02
  Speaker 5: money from the very beginning, So don't go anywhere.
• 16:09
  Speaker 4: Okay, guys, we are back, and so far we've had peace,
• 16:12
  Speaker 4: we've had joy. And this next one isn't something you'd
• 16:15
  Speaker 4: normally see on a Christmas card, but I have a
• 16:17
  Speaker 4: feeling that if she's on the money made Christmas cards.
• 16:19
  Speaker 2: It probably would be it. Actually it is on our
• 16:22
  Speaker 2: Christmas cards from last year.
• 16:24
  Speaker 4: Well I'm terrible, sorry, it's very obvious you've been reading them.
• 16:27
  Speaker 1: Yep.
• 16:27
  Speaker 5: We did Christmas cards last year and you probably haven't
• 16:31
  Speaker 5: seen them because like I did custom Christmas cards, she's
• 16:34
  Speaker 5: on the money, branded and themed. But to go out
• 16:36
  Speaker 5: to all of our clients and like gotchness and like
• 16:38
  Speaker 5: to my team and whatnot. And the word is freedom. Yes,
• 16:43
  Speaker 5: like a lot of the just like complete side note.
• 16:46
  Speaker 5: One of the things we did for clients, not last year,
• 16:49
  Speaker 5: but a couple of years ago was I actually put
• 16:51
  Speaker 5: a gift card in there and I said.
• 16:54
  Speaker 2: It was the gift of financial freedom.
• 16:55
  Speaker 5: Oh that's because then on the inside I said that
• 16:58
  Speaker 5: you've got the freedom to do whatever you want with
• 17:00
  Speaker 5: this money.
• 17:00
  Speaker 4: That's cool.
• 17:01
  Speaker 5: I was, like, you could give it away, you could
• 17:03
  Speaker 5: give it to someone else, you could spend it on yourself,
• 17:05
  Speaker 5: you could get your nails done, you could like literally
• 17:08
  Speaker 5: do anything. You could buy a chocolate cake and eat it,
• 17:10
  Speaker 5: like I don't care give it to charity, but like,
• 17:12
  Speaker 5: this little money is the gift of financial freedom, and
• 17:15
  Speaker 5: I just thought that was really fun. So yes, it's
• 17:17
  Speaker 5: been on the cards, but you're not going to be surprised.
• 17:21
  Speaker 5: Freedom is the next thing that I wish for literally everybody,
• 17:24
  Speaker 5: And it's literally one of the reasons I started Sheese
• 17:26
  Speaker 5: on the money. I want every single person ever to
• 17:31
  Speaker 5: just have the freedom that money brings. Like I'm not
• 17:34
  Speaker 5: saying you need to get filthy rich, although if you
• 17:37
  Speaker 5: want to get filthy rich, you're in the right place.
• 17:40
  Speaker 5: I can teach you that too, but freedom to have choice,
• 17:44
  Speaker 5: like you can walk out of a toxic job.
• 17:46
  Speaker 2: You can say if you to a.
• 17:48
  Speaker 5: Bad landlord or even a bad relationship, because you've built
• 17:51
  Speaker 5: yourself a really good financial cushion, you could even say
• 17:55
  Speaker 5: no to a really bad date and then just get
• 17:56
  Speaker 5: a really expensive uber home.
• 17:58
  Speaker 4: That's it.
• 17:59
  Speaker 2: Do you know what I mean? That is freedom? Like
• 18:01
  Speaker 2: imagine being able to be on.
• 18:03
  Speaker 5: This terrible date and walking out and getting in an
• 18:06
  Speaker 5: ubart ghosting them.
• 18:07
  Speaker 4: Oh my god.
• 18:08
  Speaker 2: I'm not saying that that's a good thing.
• 18:09
  Speaker 4: To do, but you could, you know, and the feeling
• 18:11
  Speaker 4: of being like, yeah, I will get a nice cream
• 18:14
  Speaker 4: right now, Why the hell not? And not having really
• 18:16
  Speaker 4: transfer yourself from another account that has your bills money
• 18:19
  Speaker 4: in it would be so nice exactly.
• 18:22
  Speaker 5: And we also need to say that freedom isn't like
• 18:26
  Speaker 5: living like a billionaire and just being like, oh my god,
• 18:29
  Speaker 5: like you can just do whatever you want, just start
• 18:31
  Speaker 5: living back, it doesn't matter, it does matter. We need
• 18:34
  Speaker 5: to live within our means in a way that still
• 18:36
  Speaker 5: lets you sleep at night, because to me that's freedom
• 18:38
  Speaker 5: as well. Yes, Like for me, financial freedom isn't this
• 18:41
  Speaker 5: number that a lot of people are like, oh, what's
• 18:44
  Speaker 5: your financial freedom number? Back, and you might go, oh,
• 18:46
  Speaker 5: it's one point two million dollars because then I'll have
• 18:47
  Speaker 5: a sixty thousand dollars income and.
• 18:49
  Speaker 2: Like that is great.
• 18:50
  Speaker 5: And for me, I talk about financial freedom in that
• 18:53
  Speaker 5: aspect because to me, that's creating you know, sustainable income.
• 18:57
  Speaker 5: That's not what I'm talking about, Like, I'm talking about
• 19:00
  Speaker 5: the freedom that I felt when I was still.
• 19:03
  Speaker 2: In like forty thousand dollars worth of debt.
• 19:05
  Speaker 5: It's probably at like thirty five thousand dollars at that
• 19:07
  Speaker 5: point when I had finally built up enough of a
• 19:09
  Speaker 5: cash buffer and had an emergency account and I finally
• 19:13
  Speaker 5: was like, oh my god, like I can finally see
• 19:15
  Speaker 5: the light at the end of the tunnel. Yes, I'm
• 19:17
  Speaker 5: still in debt, but I still have like an emergency
• 19:19
  Speaker 5: fund and everything's tracking and I can afford my bills
• 19:22
  Speaker 5: and I'm not going into further debt, and oh that
• 19:24
  Speaker 5: felt good. Like I'm not saying that financial freedom is
• 19:27
  Speaker 5: this finite number that we are working towards for the future.
• 19:32
  Speaker 5: For me, it's about watching your debt string instead of
• 19:35
  Speaker 5: grow and feeling like every single repayment is I don't know,
• 19:39
  Speaker 5: reclaiming you, yeah, like and a little piece of yourself
• 19:43
  Speaker 5: and knowing that the small choices that you're making today, Beck,
• 19:46
  Speaker 5: they're opening doors in the future for you.
• 19:48
  Speaker 2: Like it just when you start to.
• 19:50
  Speaker 5: Put your financial future first, you start to go oh,
• 19:54
  Speaker 5: like it's it's not as bad. Like stuff happens much
• 19:58
  Speaker 5: quicker than I thought, Like you're not going to wake
• 19:59
  Speaker 5: up to morrow. Beck can be like, oh, well, yesterday
• 20:02
  Speaker 5: I decided to start investing in myself, and today I've
• 20:05
  Speaker 5: got a dollar Like.
• 20:06
  Speaker 2: That's not what happens.
• 20:07
  Speaker 5: But like you know, I keep using you as an example,
• 20:10
  Speaker 5: and I think that you're literally the perfect example because
• 20:13
  Speaker 5: I have been.
• 20:14
  Speaker 2: Working on your sorry, but for so long.
• 20:17
  Speaker 5: Like bech safe, bech safe, bech safe, Like let me
• 20:20
  Speaker 5: do your budget, let me do your cash flow. Fine,
• 20:22
  Speaker 5: I can rant and rave for as long as possible,
• 20:25
  Speaker 5: but that feeling, like I can tell you, And how
• 20:30
  Speaker 5: many times have I said, Beck, do you know how
• 20:32
  Speaker 5: good you'll feel when you have an emergency fund? Do
• 20:33
  Speaker 5: you know how good you'll feel once you start investing?
• 20:35
  Speaker 5: You're like yeah, yeaheah, whatever, whatever. What does it now
• 20:38
  Speaker 5: feel like to have a little investment fund? Did you
• 20:41
  Speaker 5: expect it to be where it is today?
• 20:43
  Speaker 4: It feels really good? And no, I didn't because I
• 20:46
  Speaker 4: was I could never ever save. And it's just been
• 20:48
  Speaker 4: like I keep getting emails from Cheersy's being like, we've
• 20:52
  Speaker 4: got your top up of five dollars, and I'm like,
• 20:54
  Speaker 4: I don't remember ever putting this top up on, but
• 20:57
  Speaker 4: five dollars has gone and I did not notice it.
• 20:59
  Speaker 4: And that's credible. And it just like keeps going up
• 21:01
  Speaker 4: and up and I'm not doing anything about it, and
• 21:04
  Speaker 4: it is just.
• 21:05
  Speaker 5: Knowing it's there and I don't want you to pull
• 21:07
  Speaker 5: it out, like and you haven't yet, which honestly slag queen,
• 21:10
  Speaker 5: thank you, but like just knowing.
• 21:11
  Speaker 2: They're like, let's pretend a really big, unexpected bill happens
• 21:15
  Speaker 2: and you.
• 21:16
  Speaker 5: Know, something really bad. Sorry, you've got access to cash.
• 21:19
  Speaker 5: Isn't that crazy?
• 21:20
  Speaker 4: That is crazy. It's never ever ever happened. It doesn't ever.
• 21:23
  Speaker 2: Feel like you're a little bit more free.
• 21:26
  Speaker 4: Definitely, there's definitely a part of it. It's like, I, yeah,
• 21:29
  Speaker 4: if if something went really bad and I needed twelve
• 21:33
  Speaker 4: hundred dollars right now, is it a twelve hundred dollars?
• 21:35
  Speaker 2: Is it twelve hundred dollars? Are you joking?
• 21:38
  Speaker 5: I keep saying like, oh, I remember when it hit
• 21:40
  Speaker 5: like five hundred, I.
• 21:41
  Speaker 2: Know, four figures.
• 21:43
  Speaker 4: Yes, could you believe that?
• 21:45
  Speaker 2: Hold on? Hold on, hold on.
• 21:46
  Speaker 5: So backtrack in the last twelve months. This is not
• 21:49
  Speaker 5: a recap. We'll do maybe a recap episode at some point.
• 21:51
  Speaker 5: But in twenty twenty five, Becksied invested twelve hundred dollars.
• 21:56
  Speaker 4: Yeah, stop it.
• 21:58
  Speaker 2: Yeah, well I don't. It's crazy. I don't remember more
• 22:00
  Speaker 2: than dollars. Yeah, I told you in January.
• 22:03
  Speaker 5: If I tell you down in January and said, beck, so, yeah,
• 22:05
  Speaker 5: you're going to invest more than one thousand dollars this year.
• 22:07
  Speaker 2: Would you believe me?
• 22:08
  Speaker 4: No, because I wouldn't. I can't afford that. And then
• 22:10
  Speaker 4: somehow it's just in there and I don't. It really
• 22:13
  Speaker 4: does make a difference, just putting those little roundups.
• 22:15
  Speaker 2: On, and it was good.
• 22:18
  Speaker 4: If you spend like I do, before you know it,
• 22:20
  Speaker 4: you'll have one thousand dollars in roundups going straight in there.
• 22:24
  Speaker 5: But that's the freedom, right, freedom, And like I don't
• 22:27
  Speaker 5: know if you can hear the energy in.
• 22:28
  Speaker 2: Both of our voices, like like, oh do you like it,
• 22:31
  Speaker 2: and you're like, oh yeah.
• 22:32
  Speaker 5: Actually, there's that level of excitement where you go, this
• 22:35
  Speaker 5: isn't like it used to be. This isn't the conversation
• 22:38
  Speaker 5: where we're talking about Okay, Beck, tell me how much.
• 22:40
  Speaker 2: Debt you in? Like how do we get out of that?
• 22:42
  Speaker 5: Can we find an extra thirty bucks a month to
• 22:44
  Speaker 5: pay off that debt? And like that would have been
• 22:46
  Speaker 5: unfathomable to you for a long time, where were like
• 22:49
  Speaker 5: the I can't find that, Like where would I get
• 22:51
  Speaker 5: an extra thirty dollars?
• 22:52
  Speaker 2: Like and when you started on the show, you were
• 22:55
  Speaker 2: talking about.
• 22:55
  Speaker 5: Like, oh, sometimes I have seventy nine cents in my account,
• 22:57
  Speaker 5: but I can make that work, and like that's good
• 23:00
  Speaker 5: and that's fine, and we still hold those like I
• 23:02
  Speaker 5: don't know if we call them values, but like sometimes
• 23:04
  Speaker 5: we still like that totally.
• 23:06
  Speaker 2: We just are who we are.
• 23:07
  Speaker 5: But like you've set up the frameworks to start building
• 23:10
  Speaker 5: your financial future.
• 23:12
  Speaker 2: That feels good.
• 23:13
  Speaker 4: It feels so good. And that freedom could even just
• 23:16
  Speaker 4: be like going to bed at night and knowing that
• 23:17
  Speaker 4: a deck collector is not calling you. You don't have
• 23:19
  Speaker 4: a miscall from them, no one's waiting for money. You
• 23:22
  Speaker 4: just that anxiety is kind of gone. So I really
• 23:26
  Speaker 4: do hope we can get we.
• 23:27
  Speaker 2: Have a thousand decent we can get there. And I
• 23:29
  Speaker 2: wish that for literally everybody in there.
• 23:31
  Speaker 4: Absolutely. Okay, so freedom feels like a pretty big one, yes,
• 23:35
  Speaker 4: because it was yeah oh yeah, So where do we
• 23:38
  Speaker 4: even go from there?
• 23:39
  Speaker 2: Okay? The next one is growth?
• 23:41
  Speaker 5: Okay, so like probably not in the way that you're
• 23:43
  Speaker 5: expecting me to say, but like freedom is exciting, but
• 23:47
  Speaker 5: growth is what makes it happen. So like, you can't
• 23:50
  Speaker 5: just be free one day. You can't just wake up
• 23:52
  Speaker 5: and be like, I'm free, I'm moving to Bali and
• 23:53
  Speaker 5: I'm just not going to think about finances. Growth is
• 23:56
  Speaker 5: what makes it possible. And unfortunately, the truth is growth
• 23:59
  Speaker 5: doesn't feel.
• 24:00
  Speaker 4: A nice It sucks growing pains.
• 24:03
  Speaker 2: Yeah, yeah, yeah.
• 24:05
  Speaker 5: Like someone said the other day, I can't even remember
• 24:08
  Speaker 5: what or else. It's probably either a TikTok or a
• 24:10
  Speaker 5: podcast I was listening to. They were like, I just
• 24:12
  Speaker 5: don't feel ready, and they were like, ready's not a feeling.
• 24:16
  Speaker 2: Ready is a choice.
• 24:17
  Speaker 5: Ready is a choice, Like you say, Okay, I'm ready,
• 24:19
  Speaker 5: I'm just going to do it like I feel like
• 24:22
  Speaker 5: so much of the time, especially women, we say I
• 24:25
  Speaker 5: just don't feel ready, like we overanalyze things. I just
• 24:28
  Speaker 5: don't feel prepared. No, no, no, it's not a feeling. Yeah,
• 24:32
  Speaker 5: put that in the bin. It is our choice. Growth
• 24:35
  Speaker 5: is a choice, and you just chose to start doing it.
• 24:38
  Speaker 5: And it's a really small decision at the very start,
• 24:41
  Speaker 5: and then all of a sudden you've got twelve hundred
• 24:43
  Speaker 5: dollars in your Sharesa's account. It's showing up again and
• 24:47
  Speaker 5: again and committing to something over the long time is
• 24:50
  Speaker 5: choosing progress over perfection.
• 24:52
  Speaker 2: And that's the growth.
• 24:53
  Speaker 5: That I'm wishing for you, not oh my gosh, I
• 24:56
  Speaker 5: really hope that next year you get a thirty thousand
• 24:58
  Speaker 5: dollars pay increase and like money win. Like it's really
• 25:03
  Speaker 5: about being consistent. It's that twenty dollars a week that
• 25:07
  Speaker 5: you are saving. Done steadily, you can change your life
• 25:11
  Speaker 5: more than just like a one off burst of massive energy. Yeah,
• 25:14
  Speaker 5: Like we talk in our community all the time, like
• 25:17
  Speaker 5: what are things that you could do to like get
• 25:18
  Speaker 5: some extra cash in the door.
• 25:19
  Speaker 2: And that's so good.
• 25:20
  Speaker 5: And you might go sell all your clothes at a
• 25:22
  Speaker 5: market or you might like cull the stuff at home,
• 25:24
  Speaker 5: put it on Facebook marketplace. You might go do like
• 25:27
  Speaker 5: air tasker tasks. It doesn't matter, like you might be
• 25:29
  Speaker 5: hustling to get some cash in the door. But if
• 25:33
  Speaker 5: you just have that hustle for one weekend and be like,
• 25:35
  Speaker 5: I'm going to smash this out of the park and
• 25:37
  Speaker 5: you make five hundred bucks, money win, But like sorry,
• 25:41
  Speaker 5: the roundups are.
• 25:43
  Speaker 2: More powerful in the long term totally. Like you could.
• 25:46
  Speaker 5: Hustle, and if I sat you down and said, beck,
• 25:48
  Speaker 5: if you hustled all weekend and got five hundred bucks cash,
• 25:51
  Speaker 5: you'd probably be like, yeah, money win. That's a good
• 25:53
  Speaker 5: weekend totally, But like sorry, slow and steady wins the race.
• 25:57
  Speaker 5: And it's actually not that sexy growth. He's not sexy.
• 26:00
  Speaker 5: It is not glamorous, and sometimes it can just feel
• 26:02
  Speaker 5: like showing up with consistency, putting away twenty bucks a week,
• 26:05
  Speaker 5: like automating it so it automatically goes into your savings
• 26:08
  Speaker 5: or your investments, or into your debt repayments, and letting
• 26:11
  Speaker 5: that habit change your life more than just those one
• 26:15
  Speaker 5: off bursts of like I'm finally motivated and I'm going
• 26:17
  Speaker 5: to get out of debt. I'm going to do this
• 26:18
  Speaker 5: whole budget and cash flow and I'm going to find
• 26:20
  Speaker 5: five hundred bucks and then I'm going to put it
• 26:22
  Speaker 5: onto my debt and then I'm too exhausted to think
• 26:25
  Speaker 5: about it again.
• 26:25
  Speaker 2: So let's just like not think about that again. Yeah.
• 26:28
  Speaker 5: Yeah, And we have all been there, especially me because
• 26:31
  Speaker 5: I have ADHD and I'm really good at locking into something.
• 26:34
  Speaker 5: It's also about getting curious instead of getting embarrassed about
• 26:39
  Speaker 5: what you don't know, and realizing that literally every silly
• 26:42
  Speaker 5: question is actually a step towards power.
• 26:45
  Speaker 4: Yes, and like we all say.
• 26:47
  Speaker 2: There's no silly questions, like, I've heard of silly questions.
• 26:50
  Speaker 5: Yeah, I'm also happy to answer them because I know
• 26:53
  Speaker 5: that they're not coming from.
• 26:54
  Speaker 2: A silly place. You might go, oh, it's a silly question,
• 26:56
  Speaker 2: but what's this? Sorry? Why is that silly? Were you
• 26:59
  Speaker 2: taught before?
• 27:00
  Speaker 4: Exactly?
• 27:02
  Speaker 5: I think a silly question is a question that you
• 27:03
  Speaker 5: ask a million times over, but you never listen to
• 27:05
  Speaker 5: the response. Yes, that's silly, And if you kept asking
• 27:09
  Speaker 5: me back, I'd be like, that's a silly question because
• 27:10
  Speaker 5: we've been here before.
• 27:13
  Speaker 2: Different if you're.
• 27:13
  Speaker 4: Not, if you can't absorb it, because it's quite complicated.
• 27:15
  Speaker 2: No, that's a different story. By that's your name, we
• 27:17
  Speaker 2: get story.
• 27:18
  Speaker 5: Yeah, different story building resilience as well, So when something
• 27:23
  Speaker 5: unexpected happens, like a bill pops up, which, by the way,
• 27:26
  Speaker 5: this season, I feel like we're all just there's going
• 27:29
  Speaker 5: to be a bill. It's gonna come going to There's
• 27:32
  Speaker 5: going to be someone who comes and pokes you and goes, hey,
• 27:34
  Speaker 5: did you forget that sixty bucks?
• 27:36
  Speaker 2: You go, what the hell?
• 27:37
  Speaker 5: Yeah?
• 27:37
  Speaker 2: I got a parking ticket the other day. Oh no,
• 27:40
  Speaker 2: I never get parking tickets. Bare I think you should
• 27:42
  Speaker 2: you get parking tickets. I don't get parking tickets.
• 27:45
  Speaker 4: It's not like us.
• 27:46
  Speaker 5: And I thought that I was doing the right thing.
• 27:48
  Speaker 5: It said like one hour zone, and I was in
• 27:50
  Speaker 5: a rush. And then it turns out it was like
• 27:52
  Speaker 5: a one hour zone for all the times that it
• 27:53
  Speaker 5: wasn't a male zone and it's a male zone between
• 27:56
  Speaker 5: ten and twelve pm, males only. And I was like, yeah, okay,
• 28:00
  Speaker 5: I'm not a male and the male man must have
• 28:03
  Speaker 5: wanted to come because I ended up with one hundred
• 28:05
  Speaker 5: and twenty two dollars.
• 28:06
  Speaker 2: Fine, I think you should fight it. I already paid it.
• 28:10
  Speaker 2: Oh god, I already paid it.
• 28:13
  Speaker 4: The freedom this is what we talk about freedom.
• 28:14
  Speaker 2: I already paid it.
• 28:15
  Speaker 5: But I know it's on me because I should have
• 28:18
  Speaker 5: read the sign better. But I was just stoked that
• 28:20
  Speaker 5: I saw a one hour zone any of the shop
• 28:23
  Speaker 5: that I needed to go to, and it's Christmas and
• 28:25
  Speaker 5: I was in a rush, you know.
• 28:27
  Speaker 2: No I was, Oh yeah, it was annoyed.
• 28:28
  Speaker 5: The fine cost me more than the present I was buying.
• 28:31
  Speaker 5: Oh no, anyway, it doesn't matter. But I think that
• 28:35
  Speaker 5: it's being resilient so that if that happens to you
• 28:37
  Speaker 5: as well, or if a market dip happens, or there's
• 28:40
  Speaker 5: a job change, like, we can adapt and we don't
• 28:43
  Speaker 5: have to spiral, and that doesn't send us completely off.
• 28:45
  Speaker 5: Because I pulled money out of my emergency fund to
• 28:48
  Speaker 5: pay for that. Yeah, so I was completely fine, and
• 28:52
  Speaker 5: I was annoyed. I didn't like it, but that financial
• 28:57
  Speaker 5: impact didn't change my ability to pay my mortgage or
• 29:01
  Speaker 5: you know what. I come from a place of privilege.
• 29:03
  Speaker 5: But I also need to point out that I wasn't
• 29:05
  Speaker 5: always this way. I had to build this from the
• 29:07
  Speaker 5: ground up myself. So when I talk about, like, oh,
• 29:10
  Speaker 5: I have multiple mortgages, some people will be like, you're
• 29:12
  Speaker 5: so entitled. No no, no, no, I worked so damn
• 29:16
  Speaker 5: hard for that. And if I can do that, you
• 29:18
  Speaker 5: can do that too, Yes, you can do that, Like
• 29:20
  Speaker 5: it can't be that hard if I can do it,
• 29:22
  Speaker 5: because I'm telling you right now, I'm not the smartest
• 29:23
  Speaker 5: person in the entire world, and if I was, I
• 29:26
  Speaker 5: would just have a podcast.
• 29:28
  Speaker 4: Oh there you go.
• 29:29
  Speaker 2: Also catching your own triggers.
• 29:31
  Speaker 5: Yes, So whether it is like sales and you're getting
• 29:34
  Speaker 5: a little bit like excited about the sales, or comparison
• 29:37
  Speaker 5: or guilt spending, let's learn how to pause before like
• 29:40
  Speaker 5: autopilot takes over and we're already down at Tjmax buying
• 29:44
  Speaker 5: more sale Christmas stuff.
• 29:46
  Speaker 1: You know.
• 29:47
  Speaker 5: Also, we need to redefine our energy. That sounds really
• 29:54
  Speaker 5: hippie dippy. Doesn't it redefine your ends? I wouldn't pick
• 29:58
  Speaker 5: that from you, redefine your identity and energy because I
• 30:02
  Speaker 5: think so many times we just decide that something is
• 30:05
  Speaker 5: our narrative because we just.
• 30:06
  Speaker 2: Have felt it for so long that well it must
• 30:08
  Speaker 2: be true. Yeah, I know what you mean, Like, oh, well.
• 30:11
  Speaker 5: I'm bad with money, Yeah, so was I. At one point,
• 30:14
  Speaker 5: would you say I'm bad with money?
• 30:15
  Speaker 4: Now, beck, I wouldn't think so.
• 30:17
  Speaker 2: Well, I mean sometimes bad money. We've got a podcast.
• 30:20
  Speaker 5: But but we don't need to define ourselves at all.
• 30:24
  Speaker 5: But so many of us define ourselves as I am
• 30:27
  Speaker 5: someone who's bad with money. That's why I have to
• 30:29
  Speaker 5: listen to Sheese on the Money. You're someone who is
• 30:33
  Speaker 5: proactive around money.
• 30:34
  Speaker 2: Exactly.
• 30:34
  Speaker 5: He wants to be really good with money. You are capable,
• 30:37
  Speaker 5: you can improve every single day. Like, sorry, what is
• 30:42
  Speaker 5: even bad with money? He's bad with money?
• 30:44
  Speaker 2: Donald Trump?
• 30:45
  Speaker 4: Exactly, exactly, exactly.
• 30:47
  Speaker 2: Do you know what?
• 30:48
  Speaker 5: Like?
• 30:48
  Speaker 2: I know you'd be like, oh, is he really his
• 30:49
  Speaker 2: a billionaire? Yeah? Do you know how many times he's
• 30:51
  Speaker 2: got bankrupt? He is bad with money. He's so nothing
• 30:56
  Speaker 2: he is He should be.
• 30:57
  Speaker 5: Grateful and standing on that podium being like I'm grateful
• 31:00
  Speaker 5: for my intergenerational wealth.
• 31:02
  Speaker 2: Yes, because that is what he's holding him up.
• 31:04
  Speaker 4: That's it. Without it, he might be prob.
• 31:06
  Speaker 2: We're not bad her money. No, he bat it money.
• 31:08
  Speaker 5: Oh yeah. Anyway, I think it's becoming more like yourself,
• 31:13
  Speaker 5: not about becoming a new you. You don't need to
• 31:16
  Speaker 5: completely redefine yourself and be like, oh well I need
• 31:18
  Speaker 5: to find this new identity.
• 31:19
  Speaker 4: Yeah, no, who are you?
• 31:21
  Speaker 2: What do you like?
• 31:22
  Speaker 4: That's such a good point because I feel like I
• 31:25
  Speaker 4: am prone to overspending. Because I know that I'm prone
• 31:27
  Speaker 4: to overspending. It I'm just can you.
• 31:30
  Speaker 2: Just justify it because you're like, oh that's so me.
• 31:33
  Speaker 4: Yeah, like, oh, I don't really have much self control,
• 31:35
  Speaker 4: but I'm like I could. If I start telling people
• 31:37
  Speaker 4: or telling myself I had self control, maybe i'd have
• 31:40
  Speaker 4: self control.
• 31:40
  Speaker 2: You can literally make anything up and make it stick. Yeah,
• 31:43
  Speaker 2: you really care? Like it's actually crazy?
• 31:46
  Speaker 5: Do you know what is going to be one of
• 31:48
  Speaker 5: my favorite things to live into twenty twenty six?
• 31:51
  Speaker 2: Delusion?
• 31:52
  Speaker 5: Oh yeah, sorry, if I can see somebody else has
• 31:54
  Speaker 5: already done something, yeah, why can't I?
• 31:57
  Speaker 4: Next on this is delusion. We wish that, we wish
• 32:00
  Speaker 4: that for you in tween queens.
• 32:02
  Speaker 2: Yeah, but not delusion, not delusion.
• 32:04
  Speaker 4: No, the next one is tough. I think it's something
• 32:08
  Speaker 4: we will struggle with.
• 32:09
  Speaker 2: Delusion.
• 32:10
  Speaker 4: I've got so much delusion delusion, and I think they
• 32:13
  Speaker 4: go hand in hand. Confidence.
• 32:15
  Speaker 5: Yes, but you get more confidence by being more delulu exactly.
• 32:18
  Speaker 5: It's so as I said, I wish more Delulu on you.
• 32:21
  Speaker 4: Yes, the delulu comes first, and then the confidence from
• 32:25
  Speaker 4: the delulu exactly.
• 32:27
  Speaker 2: Like confidence.
• 32:28
  Speaker 5: This goes back to like me saying, oh I'm not
• 32:30
  Speaker 5: ready okay, but it's not a feeling, it's a choice.
• 32:34
  Speaker 5: Like being confident is a choice every single time, I
• 32:38
  Speaker 5: like get on Instagram and ask people, Hey, I want
• 32:41
  Speaker 5: to do it like a Q and a sesh, like
• 32:43
  Speaker 5: let's have like a little chat love catching up with
• 32:45
  Speaker 5: the community, and like, oh my god, some of your
• 32:47
  Speaker 5: questions are so unhinged. I love it. But always it'll
• 32:50
  Speaker 5: come up like how are you so confident? How are
• 32:53
  Speaker 5: you so good at public speaking? I actually just write
• 32:57
  Speaker 5: a little bit of delusion, but putting that aside, I
• 33:00
  Speaker 5: just choose that, like I'm not inherently confident, Like I
• 33:05
  Speaker 5: can pick it.
• 33:06
  Speaker 2: Do you want me to.
• 33:06
  Speaker 5: Stand in front of the mirror and pick apart every
• 33:08
  Speaker 5: single thing I'm not entirely confident about about my body?
• 33:12
  Speaker 2: Great, I can do that perfectly.
• 33:13
  Speaker 5: My personality, Oh, I can rip a new one for myself,
• 33:16
  Speaker 5: Like I can shred myself in a way that nobody
• 33:19
  Speaker 5: else could. And I know you can too, Like nobody
• 33:22
  Speaker 5: else is ever as mean to you as you.
• 33:24
  Speaker 2: Are to yourself.
• 33:25
  Speaker 5: And once you realize that, you can flip the narrative
• 33:28
  Speaker 5: and be like, do you know what, no one else
• 33:29
  Speaker 5: can be as nice to me as I can be
• 33:31
  Speaker 5: to me. No one's going to have my back in
• 33:33
  Speaker 5: the same way that I have my own back, because
• 33:36
  Speaker 5: it doesn't matter how much you love somebody, you're the
• 33:39
  Speaker 5: only choice for you. If every single person you've ever
• 33:43
  Speaker 5: known leaves your life, who you left with, yes, yourself.
• 33:46
  Speaker 5: So you've got to have your own back. And I
• 33:48
  Speaker 5: think it's true the hardest because when we loop this
• 33:51
  Speaker 5: back to money, confidence is not about how much money
• 33:54
  Speaker 5: you have in your bank account. I was in debt
• 33:57
  Speaker 5: when I started my business. As I said, we ride
• 33:59
  Speaker 5: on delusion. It's about the stories and the narrative that
• 34:03
  Speaker 5: you tell yourself. If you are consistently telling yourself you
• 34:06
  Speaker 5: are not good enough, what are you going to start
• 34:08
  Speaker 5: believing You're really going to believe it? Well, I believe
• 34:11
  Speaker 5: when I'm like, oh my god, I'm so bad at this,
• 34:13
  Speaker 5: Like I've just chosen to not be good at it.
• 34:15
  Speaker 2: Like that's exactly it.
• 34:16
  Speaker 5: And my wish for you is the kind of confidence,
• 34:20
  Speaker 5: like I'm not expecting you to get up on a
• 34:22
  Speaker 5: stage and do a keynote. That's a lot, but it's
• 34:26
  Speaker 5: the kind of confidence that drowns out the voice that
• 34:29
  Speaker 5: says you're not ready, or you're not enough yeah, or
• 34:33
  Speaker 5: that that's not for you. That's like how many times.
• 34:36
  Speaker 5: Do you go, oh, well, that's nice for them, but
• 34:38
  Speaker 5: that couldn't happen for me.
• 34:40
  Speaker 4: Yeah, Or I couldn't be that kind of pa I couldn't.
• 34:42
  Speaker 2: Oh no, like her, it's not true. Yeah, she negotiated
• 34:45
  Speaker 2: a pay rise like that's very her.
• 34:47
  Speaker 4: Like, yeah, ah, that's I.
• 34:48
  Speaker 2: Don't have the confidence. No, you do.
• 34:52
  Speaker 4: That's the thing, Like I'm going to.
• 34:53
  Speaker 2: Slap you don't. It's twenty twenty five, nearly twenty twenty six.
• 34:57
  Speaker 2: You shouldn't slap people.
• 34:58
  Speaker 4: But like, I think you're allowed.
• 35:00
  Speaker 5: I would, though she would, I would go do you
• 35:02
  Speaker 5: think of that? And confidence is I don't know. It's
• 35:05
  Speaker 5: that little voice in the back of your head where
• 35:08
  Speaker 5: rach just says, oh no, not yet, not yet, You're
• 35:10
  Speaker 5: not ready. Do you know you can fight with that
• 35:13
  Speaker 5: little voice in your head.
• 35:14
  Speaker 1: You can.
• 35:14
  Speaker 5: You might seem a little bit unhinged, but you can
• 35:18
  Speaker 5: do whatever you want. Yeah, isn't that cool? Like I
• 35:21
  Speaker 5: am not embracing free will nearly enough.
• 35:24
  Speaker 2: Yeah, that's so true. Like, sorry, you're telling me that. Sorry.
• 35:28
  Speaker 2: If I go back to six year old Victoria and
• 35:31
  Speaker 2: I told her you can do whatever you want, go,
• 35:33
  Speaker 2: can you go to the supermarket and get fruit lives
• 35:35
  Speaker 2: and eat them for dinner.
• 35:36
  Speaker 5: I literally could beck, we are not embracing our free
• 35:40
  Speaker 5: will enough. And you know when you flip it, that's
• 35:43
  Speaker 5: not confidence. But like you're saying I could stand up
• 35:46
  Speaker 5: for myself.
• 35:47
  Speaker 2: You're saying that I could just decide. Do you know what?
• 35:49
  Speaker 2: My body's pretty bloody good. Yeah, what a flipping narrative.
• 35:54
  Speaker 2: I know, Like ask for the pay rise? What's the
• 35:57
  Speaker 2: worst that could happen? Yeah?
• 35:58
  Speaker 5: They say no, and you go, okay, thank you so
• 36:00
  Speaker 5: much for that experience, Like you knew you deserved the
• 36:03
  Speaker 5: yes because you've done all the time, You've done all
• 36:05
  Speaker 5: the research and I know that you did.
• 36:08
  Speaker 2: But like, what's the worst thing they could say?
• 36:09
  Speaker 1: No?
• 36:10
  Speaker 5: Thanks for the experience in negotiating. I'm coming back to
• 36:12
  Speaker 5: you in six months. Yeah, it totally starts interesting. Start investing,
• 36:17
  Speaker 5: like you don't need thousands of dollars?
• 36:19
  Speaker 2: Do you know how much you need? Back?
• 36:21
  Speaker 4: Dollar?
• 36:21
  Speaker 2: One dollar even less?
• 36:23
  Speaker 4: Sometimes yep?
• 36:24
  Speaker 5: And how much did you start with? I think you
• 36:26
  Speaker 5: started with the free money because you use so.
• 36:30
  Speaker 2: You can even start for free because I'll just give
• 36:32
  Speaker 2: you ten bucks exactly.
• 36:34
  Speaker 5: Make sure that there are a link to our Shares's
• 36:36
  Speaker 5: code is in the show notes, so that if you
• 36:39
  Speaker 5: want to start with literally nothing and you just want
• 36:41
  Speaker 5: to invest with my money, you can, but I think
• 36:44
  Speaker 5: it's investing. But then not knocking your confidence when the
• 36:47
  Speaker 5: market wobbles a little bit and going.
• 36:49
  Speaker 2: No, no, no, no no, this is going to happen. This
• 36:51
  Speaker 2: is part of the journey.
• 36:52
  Speaker 5: We need to move past analysis paralysis by taking like
• 36:57
  Speaker 5: one step forward, even if those steps aren't perfect, even
• 37:00
  Speaker 5: if they're smaller than you kind of hoped them to be. Sorry,
• 37:03
  Speaker 5: they're still steps in the right direction, not exactly, and
• 37:06
  Speaker 5: I would be saying no to over committing. Sorry, I'm
• 37:10
  Speaker 5: so good at that. So this is maybe just like
• 37:11
  Speaker 5: a little side note for me story devine. Stop overspending,
• 37:14
  Speaker 5: stop over committing. Yeah, stop it, because I'm just doing
• 37:19
  Speaker 5: things just because everybody else is sometimes and.
• 37:23
  Speaker 2: You just don't need to. You just don't need to.
• 37:26
  Speaker 2: I didn't even like it.
• 37:28
  Speaker 4: So do you think you can go without good? Probably? Can?
• 37:31
  Speaker 2: Right. It's like how many.
• 37:33
  Speaker 5: Times have I said yes to the third coffee of
• 37:35
  Speaker 5: the day because my whole team are going down for
• 37:37
  Speaker 5: the coffee and I don't want to miss out.
• 37:39
  Speaker 2: But then get back to my desk and I'm all
• 37:41
  Speaker 2: shaky because I shouldn't have.
• 37:42
  Speaker 5: Said yes to the third coffee because I know I
• 37:44
  Speaker 5: can't have three coffees, but I just wanted to be involved.
• 37:46
  Speaker 2: I know, why is that me? Anyway?
• 37:49
  Speaker 5: I think it's about designing a life that looks different
• 37:51
  Speaker 5: from everybody else's because it just suits you, it suits
• 37:55
  Speaker 5: what you want to do, and knowing that that is
• 37:57
  Speaker 5: exactly what is right for you and exactly where you
• 37:59
  Speaker 5: should be exactly Like and the best thing I have
• 38:02
  Speaker 5: for confidence is stop looking at other people and just going, oh,
• 38:05
  Speaker 5: they're so confident.
• 38:06
  Speaker 4: Yes, And you know what's.
• 38:07
  Speaker 5: Crazy of it, because like that doesn't mean they actually are.
• 38:10
  Speaker 5: They could be completely masking.
• 38:13
  Speaker 4: You never know. The thing about confidence is like our
• 38:16
  Speaker 4: brains are so powerful and we are completely capable of
• 38:20
  Speaker 4: doing anything. The only thing holding us back is our
• 38:23
  Speaker 4: level of confidence, or this thing that we put on ourselves,
• 38:25
  Speaker 4: like oh, I'm not a good speaker, but say ah,
• 38:28
  Speaker 4: and you can be. It's just the confidence.
• 38:30
  Speaker 2: Level is a choice. Literally, everything is a choice.
• 38:33
  Speaker 5: And if a mediocre, middle aged white man can do it,
• 38:36
  Speaker 5: why the hell can't we?
• 38:37
  Speaker 2: Well, why the hell not?
• 38:38
  Speaker 5: I said exactly, So I'm going to wrap it up
• 38:41
  Speaker 5: here as like a little gift with a very big
• 38:44
  Speaker 5: red bow on it. So as we close out this
• 38:46
  Speaker 5: year and I guess step into the next, as much
• 38:50
  Speaker 5: as we've had a laundry list of like probably forty
• 38:52
  Speaker 5: minutes of me being like.
• 38:53
  Speaker 2: A peace and joy I love.
• 38:56
  Speaker 5: My wish for you is actually very very simple. It
• 38:59
  Speaker 5: is peace in your mind and in your money. It
• 39:03
  Speaker 5: is finding joy in the small things and also the large. Like,
• 39:07
  Speaker 5: don't get me wrong, like we can still celebrate the large,
• 39:09
  Speaker 5: but like I promise, the large things feel even larger
• 39:13
  Speaker 5: when you can celebrate the small things too. Yeah, it's
• 39:17
  Speaker 5: the freedom to choose differently and live on your own terms.
• 39:22
  Speaker 5: It's the growth that actually comes from showing up for yourself.
• 39:25
  Speaker 2: Again and again and again, and then you're going to.
• 39:27
  Speaker 5: Look back on yourself in twelve months and be like,
• 39:29
  Speaker 5: oh my god, I am a different, better, more well rounded,
• 39:33
  Speaker 5: more well adjusted, confident human being. And I want you
• 39:37
  Speaker 5: to have the confidence to have your own back even
• 39:40
  Speaker 5: when it feels really hard, because it does feel really
• 39:42
  Speaker 5: hard sometimes it does. Yeah, and like you're never gonna
• 39:45
  Speaker 5: I'm so sorry, like imposter syndrome.
• 39:48
  Speaker 2: I believe in it fully, but I also just disregard it.
• 39:51
  Speaker 2: I have it. Yeah, I have just decided whatever.
• 39:54
  Speaker 4: Honestly, it does fade over time, So if you.
• 39:56
  Speaker 2: Have a will, when is it going to fade? Approximately?
• 39:59
  Speaker 2: I still feel like someone it's going to come.
• 40:00
  Speaker 5: Knocking and be like, who gave you a podcast that
• 40:04
  Speaker 5: you run a mortgage broking business?
• 40:05
  Speaker 2: Are you insane?
• 40:07
  Speaker 4: The voice does get quieter, though, so stick with it. It
• 40:09
  Speaker 4: was pretty loud for me, but I understand.
• 40:12
  Speaker 5: But that's where I have to be quite aggressive in
• 40:14
  Speaker 5: choosing yeah to show up and going no, if other
• 40:18
  Speaker 5: people can do this, I can do this.
• 40:20
  Speaker 1: No.
• 40:20
  Speaker 5: If you know my friends believe in me, I should
• 40:23
  Speaker 5: also believe in me. If Victoria believes in me, I do, like, yeah,
• 40:27
  Speaker 5: do you know what I mean? Like it's a choice,
• 40:29
  Speaker 5: and for some people the imposters injury, it does fade.
• 40:32
  Speaker 5: For other people like I just feel like the more
• 40:34
  Speaker 5: stuff I do, I go, are you sure? Like, are
• 40:36
  Speaker 5: you're gonna let me do this?
• 40:38
  Speaker 1: Like?
• 40:38
  Speaker 5: What do you mean?
• 40:40
  Speaker 2: I'm grateful for it, but I'm delulu.
• 40:43
  Speaker 4: Start trying to view yourself the way your friends see you,
• 40:46
  Speaker 4: you know? Yeah, So I think it's a great place
• 40:48
  Speaker 4: to leave it. I agree from all of us that
• 40:50
  Speaker 4: she's on the Money. We are so proud of you.
• 40:52
  Speaker 4: Merry Christmas.
• 40:54
  Speaker 2: We really do.
• 40:54
  Speaker 4: Love you and we cannot wait to see what you
• 40:56
  Speaker 4: create in twenty twenty six.
• 40:58
  Speaker 2: But this is also not goodbye.
• 40:59
  Speaker 5: Okay, so we are not going anywhere over this holiday season.
• 41:03
  Speaker 5: Your other favorite podcasts might be putting their feet up,
• 41:05
  Speaker 5: but not us, No, So make sure that you are subscribed,
• 41:09
  Speaker 5: because we'll be right back in your ears with fresh episodes,
• 41:12
  Speaker 5: hanging out with all of you literally all summer all
• 41:15
  Speaker 5: New Years.
• 41:16
  Speaker 2: You think that are we going to stop? No, sorry,
• 41:19
  Speaker 2: we committed to.
• 41:20
  Speaker 5: The small steps and now they are consistent podcasts exactly.
• 41:24
  Speaker 2: So have a really good Christmas tomorrow.
• 41:26
  Speaker 5: If you don't celebrate Christmas, I just hope you have
• 41:28
  Speaker 5: a good flipping day.
• 41:29
  Speaker 2: Have a great day.
• 41:30
  Speaker 4: See you guys, by guys.
• 41:38
  Speaker 5: The advice shared on She's on the Money is general
• 41:40
  Speaker 5: in nature and does not consider your individual circumstances.
• 41:44
  Speaker 2: She's on the.
• 41:44
  Speaker 5: Money exists purely for educational purposes and should not be
• 41:48
  Speaker 5: relied upon to make an investment or financial decision.
• 41:51
  Speaker 2: If you do choose to buy a financial.
• 41:53
  Speaker 5: Product, read the PDS TMD and obtain appropriate financial advice
• 41:57
  Speaker 5: tailored towards your needs Victoria Devine and she's on the money.
• 42:01
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• 42:04
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• 42:07
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