Latest / Sukany4: The Walk and Talk Podcast / Nadia Enver - Sizergh Castle - Financial Planning, hitting rock bottom to being multi award nominated, Career switching and importance of financial literacy

Transcript

Nadia Enver - Sizergh Castle - Financial Planning, hitting rock bottom to being multi award nominated, Career switching and importance of financial literacy · Sukany4: The Walk and Talk Podcast

• 0:00
  SPEAKER_02: Yeah, yeah.
• 0:01
  SPEAKER_02: You know, at one point I did feel like a failure.
• 0:03
  SPEAKER_02: I felt like a failure, I can't lie.
• 0:04
  SPEAKER_02: That is, you know, I'd started this marriage and everything.
• 0:08
  SPEAKER_02: Yeah.
• 0:08
  SPEAKER_02: And and and family, I had a family settled down and it didn't work out, and I honestly thought my life was over.
• 0:14
  SPEAKER_02: Yeah.
• 0:16
  SPEAKER_01: Hello and welcome to Sakania, the walk and talk podcast, where we walk, we talk, and we let the stories do what they're supposed to do.
• 0:25
  SPEAKER_01: I'm Sakania, and if this is your first time here, the premise is simple.
• 0:31
  SPEAKER_01: I take a walk with someone whose story deserves to be heard, and we record the whole thing, the footsteps, the weather, the chat as it flows with the walk, and it's really cool.
• 0:43
  SPEAKER_01: Today's episode is one that if you've ever looked at your life and thought, this is not what I planned, I think this one's gonna land with you.
• 0:53
  SPEAKER_01: My guest is Nadia Ember.
• 0:56
  SPEAKER_01: She's a financial planner based in Carlisle, a single mum to two boys, and a woman who describes 2021 as her lowest point, and then spends the rest of our conversation proving in the most matter-of-fact and quietly extraordinary way that the lowest points are not where the story ends up.
• 1:18
  SPEAKER_01: We walked around Side of the Castle together on a very rainy October morning in 2025.
• 1:25
  SPEAKER_01: The sheets were curious, the colours were stunning, and not for things not for attention or sympathy, but for context and with intent to serve us as the listener.
• 1:39
  SPEAKER_01: This episode is about money, yes, but it's also about freedom and choice and what you build when everything you thought you were building falls down.
• 1:51
  SPEAKER_01: I'm so glad you're here.
• 1:53
  SPEAKER_01: Let's grab those boots or get cozy and let's walk.
• 1:59
  SPEAKER_01: Hi Nadia! Hello, you're right.
• 2:02
  SPEAKER_01: Hi, good thanks.
• 2:03
  SPEAKER_01: How are you?
• 2:04
  SPEAKER_01: I'm really well, thank you.
• 2:05
  SPEAKER_01: How are you?
• 2:06
  SPEAKER_01: Yeah, I'm good, thanks.
• 2:08
  SPEAKER_01: This is lovely, by the way.
• 2:10
  SPEAKER_01: Yes, look at this.
• 2:11
  SPEAKER_01: Full disclosure, this isn't your favourite walk, is it?
• 2:14
  SPEAKER_02: It's not, it's not, but I've never been on it, so it could be.
• 2:17
  SPEAKER_02: It could be, yes, I like that.
• 2:19
  SPEAKER_02: I like that.
• 2:20
  SPEAKER_02: I'm loving it already.
• 2:21
  SPEAKER_02: Look how close we are to the sheep.
• 2:23
  SPEAKER_02: They're actually checking us out right now.
• 2:24
  SPEAKER_01: They are, they are very curious.
• 2:27
  SPEAKER_02: Don't worry, we're your friends.
• 2:30
  SPEAKER_01: We come in peace.
• 2:31
  SPEAKER_01: Bless them.
• 2:32
  SPEAKER_01: Yeah, so size of castle.
• 2:34
  SPEAKER_01: I know, yeah, it's it's a very practical stop actually.
• 2:38
  SPEAKER_01: So as you're going south further south this afternoon, yeah, it made sense rather than coming north and then going south again.
• 2:46
  SPEAKER_02: Yeah, it did, it did.
• 2:47
  SPEAKER_02: Thanks for that.
• 2:47
  SPEAKER_02: Yeah, I'm filming a documentary down in Bolton this afternoon.
• 2:51
  SPEAKER_02: It was all very last minute.
• 2:53
  SPEAKER_02: Yeah.
• 2:53
  SPEAKER_02: Um, so it was nice to tie in both M6 trips.
• 2:57
  SPEAKER_01: So you're doing a lot of media work today.
• 3:00
  SPEAKER_01: A lot of media work, yeah.
• 3:03
  SPEAKER_02: Which is great, because I did media studies at university, it's one of my modules, yeah.
• 3:07
  SPEAKER_02: I loved I actually was gonna do that solely, and then I kind of expanded it to um English literature and communication studies in the end.
• 3:18
  SPEAKER_02: Wow.
• 3:19
  SPEAKER_02: Um what did you cover in English literature?
• 3:22
  SPEAKER_02: So I did like biopics.
• 3:23
  SPEAKER_02: My dissertation was on biopics, sort of comparing 19th century literature.
• 3:28
  SPEAKER_02: Wow.
• 3:29
  SPEAKER_02: I know, and considering I work in finance, it's completely opposite ends of the spectrum, isn't it?
• 3:33
  SPEAKER_01: It's so interesting though.
• 3:34
  SPEAKER_01: Yeah, it was.
• 3:35
  SPEAKER_02: And it's also those the skills, isn't it, of analysing analysing the words, yeah, exactly.
• 3:42
  SPEAKER_02: I love to analyse and compare and get to the bottom of the point that's you know that we're trying to find.
• 3:48
  SPEAKER_02: So yeah, I suppose it was a crossover.
• 3:50
  SPEAKER_02: Yeah.
• 3:50
  SPEAKER_01: Um, and I enjoyed it so yeah, so yeah.
• 3:53
  SPEAKER_01: Fab.
• 3:54
  SPEAKER_01: So Nadia.
• 3:56
  SPEAKER_01: Yes.
• 3:58
  SPEAKER_02: What's your documentary about?
• 4:01
  SPEAKER_02: So the documentary we're gonna be doing, like I said, it was only decided last week.
• 4:06
  SPEAKER_02: It's with a group called She Inspires down in Bolton.
• 4:10
  SPEAKER_02: Um would that be something you might be up for an award for?
• 4:14
  SPEAKER_02: Yes, yes, that is the awards group.
• 4:17
  SPEAKER_02: Yes, I did, yeah, thank you.
• 4:18
  SPEAKER_02: Yes, I am a finalist for an award networking events and hospitality award in November later this year.
• 4:26
  SPEAKER_02: Well, next month.
• 4:27
  SPEAKER_02: Amazing.
• 4:28
  SPEAKER_02: And so November, yes, and I'm also a finalist in the Women in Finance Awards as well.
• 4:35
  SPEAKER_02: Two categories the rising star and the Financial Advisor Northwest.
• 4:41
  SPEAKER_02: Wow.
• 4:41
  SPEAKER_02: Also those are big things.
• 4:43
  SPEAKER_02: I know, I know, so yeah.
• 4:45
  SPEAKER_02: Um and honestly, I know it's everyone says this, it's not really about the winning at this early stage of my career.
• 4:51
  SPEAKER_02: It can it really isn't about the winning, it's the recognition that just feels amazing.
• 4:56
  SPEAKER_02: Yeah, so so good.
• 4:57
  SPEAKER_02: So yeah, it'll be a great experience.
• 4:59
  SPEAKER_02: But yeah, the documentary is all about empowerment, so female empowerment, woman empowerment through finance, really.
• 5:08
  SPEAKER_02: I'm talking about women and money, really, yeah, which is what I love to talk about.
• 5:12
  SPEAKER_01: So that's great.
• 5:14
  SPEAKER_01: So you didn't kind of finish your degree and do your English literature, etc.
• 5:20
  SPEAKER_01: etc.
• 5:21
  SPEAKER_01: And then think I'm gonna go into finance, did you?
• 5:24
  SPEAKER_02: No, no, there was a very large gap from graduation through to becoming a financial advisor.
• 5:30
  SPEAKER_02: So, what did you do in the gap?
• 5:32
  SPEAKER_02: Oh wow, where do I start?
• 5:34
  SPEAKER_02: The rain's picking up the rain is picking up loads going up.
• 5:37
  SPEAKER_02: Yes, you need to protect that gorgeous hair.
• 5:39
  SPEAKER_02: Oh, thank you.
• 5:40
  SPEAKER_02: I've got my Dyson Airwrap in the car, so I think we're alright.
• 5:43
  SPEAKER_02: Doesn't matter if it gets a bit curly.
• 5:45
  SPEAKER_02: You you embrace your curls, which I love by the way.
• 5:47
  SPEAKER_01: Yes, my curls are a bit crunchy today, weren't they over the top with the product?
• 5:52
  SPEAKER_01: No, it's gorgeous.
• 5:53
  SPEAKER_02: Actually, I need to get and I wish I could embrace my curls, but um are you naturally curly haired?
• 5:58
  SPEAKER_02: Yeah, I'm Turkish Cypriot.
• 5:59
  SPEAKER_02: Oh, are you?
• 6:00
  SPEAKER_02: Yeah, yeah.
• 6:01
  SPEAKER_02: So I've got like proper Mediterranean hair, but I'm half Turkish Cypriot, I'm half Scottish, but as well.
• 6:06
  SPEAKER_02: So my curls aren't quite fully like that Mediterranean bounce.
• 6:11
  SPEAKER_02: My sister's got more hair.
• 6:13
  SPEAKER_02: Anyway, I digress, sorry.
• 6:14
  SPEAKER_02: No, I love a digression.
• 6:17
  SPEAKER_02: So, okay, so I left university, graduated, I went to work for a company called read.co.uk.
• 6:24
  SPEAKER_02: I was selling online advertisement space as an on the graduate programme.
• 6:29
  SPEAKER_02: Okay.
• 6:29
  SPEAKER_02: I did that for a year, and it was very office-based, and I was 21.
• 6:34
  SPEAKER_02: Yeah, and I've always been one of these people that like to be on the move.
• 6:39
  SPEAKER_02: So I loved it.
• 6:44
  SPEAKER_02: You know, it was um half eight through till five basically.
• 6:48
  SPEAKER_02: Monday to Friday, the week just felt so long, and just with my age as well, I was I wanted more, more freedom, I suppose is the word I would say I'm looking for.
• 6:58
  SPEAKER_02: So Facebook was really massive back then.
• 7:01
  SPEAKER_02: I mean it still is, but you know, being so young, I was on it every day, and um I seen one of my friends was flying around the world, yeah.
• 7:10
  SPEAKER_02: So I was like, messaged her, like, what do you what do you do?
• 7:12
  SPEAKER_02: And she was like, um cabin crew for British Airways and they're recruiting, so I did my application and I worked for BA for nearly seven years.
• 7:22
  SPEAKER_02: Wow, yeah.
• 7:23
  SPEAKER_02: What was that like?
• 7:24
  SPEAKER_02: What was that lifestyle like?
• 7:26
  SPEAKER_02: Well, that's exactly it, it was a lifestyle brilliant.
• 7:29
  SPEAKER_02: I did I did mixed um mixed haul, so I did short, long, mid.
• 7:34
  SPEAKER_02: Oh, okay, and like you'd get to spend like six nights in Japan, every place ever.
• 7:39
  SPEAKER_02: Um, still on my list, I just haven't been.
• 7:42
  SPEAKER_02: So gosh, yeah, yeah, and you could bid for flights.
• 7:46
  SPEAKER_02: Oh, okay.
• 7:46
  SPEAKER_02: So there was a bidding system, so like I used to bid for all the Asian flights.
• 7:50
  SPEAKER_02: I saw Singapore, Sydney.
• 7:51
  SPEAKER_01: So if a flight came up, you could say, actually, I'd love to go on that flight.
• 7:56
  SPEAKER_02: Yeah, you you bidded for your flights before the broader was published.
• 7:59
  SPEAKER_02: Right.
• 8:00
  SPEAKER_02: Oh my god, that's amazing.
• 8:01
  SPEAKER_02: So good, I know.
• 8:02
  SPEAKER_02: I didn't appreciate as much at the time.
• 8:04
  SPEAKER_02: It was just so normal.
• 8:05
  SPEAKER_02: Yeah, and this was pre-kids and everything as well.
• 8:08
  SPEAKER_02: I don't think you know, yeah, you don't know.
• 8:14
  SPEAKER_01: It really is.
• 8:14
  SPEAKER_01: I mean, I don't have kids, but I get it.
• 8:17
  SPEAKER_01: I do understand that whole thing of you know, suddenly you're it's a liberty that's not there anymore.
• 8:24
  SPEAKER_02: Totally.
• 8:25
  SPEAKER_02: Yeah, but you know, there's no way I could do that now, and I wouldn't want to either, due to it being a lifestyle, it was extremely exhausting for one.
• 8:34
  SPEAKER_02: So I did it in my early 20s, and I'm glad I did.
• 8:36
  SPEAKER_02: Yeah.
• 8:37
  SPEAKER_02: And then I ended up kind of like phasing out of that job.
• 8:41
  SPEAKER_02: So I went part-time, and then you know, I got married, and then I had two kids, and during that time as well, I had some sorry, why I'm back before I actually had the children, yeah, I phased out of being I started um running a beauty salon with another woman.
• 8:57
  SPEAKER_02: Oh, okay.
• 8:58
  SPEAKER_02: And this was in Edinburgh, so I was commuting at that point to work, but because I was just doing I was commuting from Edinburgh to Heathrow.
• 9:05
  SPEAKER_02: Oh, I see for the flying.
• 9:06
  SPEAKER_02: For the flying, but I was phasing out of that, and then I kind of like that's quite commute, yeah.
• 9:12
  SPEAKER_02: But it kind of because I was part-time, it was alright because the trips were so long that I was actually only commuting like one or two times a month.
• 9:20
  SPEAKER_02: Okay, so it wasn't that bad.
• 9:22
  SPEAKER_02: I met I met this woman and we went into business together, yeah, and then I suppose I kind of loved that to the point where I was like, I don't do beer anymore, I'm just all in, I want to be grounded.
• 9:33
  SPEAKER_01: Yeah, so I did that, and that was the one that's worked in airlines can say that and really mean it.
• 9:40
  SPEAKER_02: Yes, exactly, yeah.
• 9:42
  SPEAKER_02: Like I really grounded.
• 9:44
  SPEAKER_01: You need to be on the floor for more than a week.
• 9:48
  SPEAKER_01: Yeah, no, that makes sense.
• 9:50
  SPEAKER_02: Yeah, so I ran the I ran a beauty salon in Edinburgh.
• 9:53
  SPEAKER_02: Basically, I was doing all the the the business side of it, okay, which is what I kind of like to do.
• 9:58
  SPEAKER_02: Okay.
• 9:59
  SPEAKER_02: Dealing with the accountant, the staff, you know, just managing everything, and my business partner was doing the more practical stuff.
• 10:05
  SPEAKER_02: Yeah.
• 10:06
  SPEAKER_02: And I loved it, and I've always been a bit of an entrepreneur, so I felt really in my element.
• 10:11
  SPEAKER_01: Yeah.
• 10:11
  SPEAKER_01: Had you been an entrepreneur before?
• 10:13
  SPEAKER_01: Was that your first sort of put into entrepreneurship?
• 10:17
  SPEAKER_02: That was my first official.
• 10:19
  SPEAKER_02: Okay.
• 10:19
  SPEAKER_02: I had done many I suppose you could say I'd attempted to be an entrepreneur before, so deed, forever living.
• 10:28
  SPEAKER_02: Forever living.
• 10:30
  SPEAKER_02: It's I guess you could call it a multi-level networking.
• 10:34
  SPEAKER_02: Okay.
• 10:34
  SPEAKER_02: Um, multi-level marketing scheme where you sell products like aloe vera and things, and then you would try and recruit people.
• 10:43
  SPEAKER_02: A bit like Tropics or A.
• 10:44
  SPEAKER_02: Yeah, yeah, exactly.
• 10:46
  SPEAKER_02: So I did that.
• 10:47
  SPEAKER_02: I also did ARYX, which was another version of like Forever Living.
• 10:51
  SPEAKER_02: And again, I enjoyed, you know, organising events and meeting people.
• 10:59
  SPEAKER_01: It's my we're gonna get soaked.
• 11:05
  SPEAKER_01: We are gonna get soaked.
• 11:07
  SPEAKER_01: I'm worried about your documentary.
• 11:08
  SPEAKER_02: Oh no, don't, it's fine.
• 11:10
  SPEAKER_01: I hope you brought a spare dress.
• 11:11
  SPEAKER_01: No, they'll be in the loose with the hand dryer.
• 11:16
  SPEAKER_02: The Dyson Airwrap can achieve many things, don't we worry about that?
• 11:21
  SPEAKER_01: So then fast forward to COVID.
• 11:24
  SPEAKER_02: Yes, so exactly is that where we are now?
• 11:27
  SPEAKER_02: That is where we're up to now.
• 11:30
  SPEAKER_02: The pandemic.
• 11:31
  SPEAKER_02: So we decided as a joint decision that we would sell the business.
• 11:35
  SPEAKER_02: Okay.
• 11:36
  SPEAKER_02: She, my business partner.
• 11:37
  SPEAKER_02: Is that because of COVID?
• 11:39
  SPEAKER_02: Uh, personal reasons for my business partner wanting to move away from that.
• 11:44
  SPEAKER_02: Yeah.
• 11:44
  SPEAKER_02: And for me, wanting to start my own family, and just it just didn't feel right anymore.
• 11:49
  SPEAKER_02: Yeah.
• 11:49
  SPEAKER_02: And I think probably, yeah, that the COVID was creeping up on us.
• 11:53
  SPEAKER_02: When I fell pregnant with James, we ended up selling the business.
• 11:56
  SPEAKER_02: Yeah.
• 11:57
  SPEAKER_02: And then I had James, and then a week the week I brought him home, yeah.
• 12:02
  SPEAKER_02: The government and that had announced that there was going to be a pandemic.
• 12:04
  SPEAKER_02: I just remember holding a newborn baby on the end of my bed, and my parents and everyone didn't actually meet James until he was five months old.
• 12:13
  SPEAKER_02: Oh gosh, yeah.
• 12:15
  SPEAKER_02: So that was tough.
• 12:16
  SPEAKER_02: Yeah, that's tough.
• 12:17
  SPEAKER_02: Actually, when James was three months old, I fell pregnant again.
• 12:20
  SPEAKER_02: Oh, she's just I had my boys.
• 12:22
  SPEAKER_02: Well, Jordy, there was nothing else to do.
• 12:24
  SPEAKER_02: There was nothing else to do, and he was furloughed, which I think played a big part in it.
• 12:29
  SPEAKER_02: So he was home.
• 12:31
  SPEAKER_02: And then we yeah, so that those two years were just really just about having babies and just going through the the pandemic, which is a strange peak time for everyone.
• 12:39
  SPEAKER_02: Yeah.
• 12:40
  SPEAKER_02: But if you throw in a couple of babies in in the mix, it's it's even stranger.
• 12:44
  SPEAKER_01: Yeah, quite intense, actually.
• 12:45
  SPEAKER_01: Really intense, yeah.
• 12:47
  SPEAKER_01: No respite and no additional help.
• 12:50
  SPEAKER_01: Exactly, yeah.
• 12:51
  SPEAKER_01: Oh, especially with small babies as well.
• 12:53
  SPEAKER_01: I just thought, yeah, the pandemic and the virus and scary.
• 12:57
  SPEAKER_02: Yeah, it wasn't super scary, so we just went on lots of walks and things, and then after I had my second son Fraser, yeah, I ended up moving back home.
• 13:06
  SPEAKER_02: Oh, okay.
• 13:07
  SPEAKER_02: We we took the we made the decision to move back to Carlisle from Edinburgh just to be closer to my family.
• 13:13
  SPEAKER_02: Yeah, that was fine, you know, that was great, and then we did ultimately end up separating, so I was going through a whole divorce and everything, which was quite tough, yeah.
• 13:24
  SPEAKER_02: Very tough, in fact, and really that was 2021.
• 13:27
  SPEAKER_02: Okay, I think that was probably my lowest.
• 13:30
  SPEAKER_02: Yeah, that's tough, yeah.
• 13:32
  SPEAKER_02: But I turned tragedy to triumph, to be honest.
• 13:37
  SPEAKER_02: That was really a pivotal moment for me, and yeah, and again, I know it sounds cheesy to say one door closes, another one opens, but I think if I didn't get to that point, I wouldn't have reshaped my life in the way that I have.
• 13:49
  SPEAKER_01: Yeah, yeah, it's all a choice, isn't it?
• 13:52
  SPEAKER_01: We can it's not easy to make bold decisions, no, and I think it's certainly with really young children, I can imagine it's not easy to take a decision to separate from your partner and things like that.
• 14:07
  SPEAKER_01: So the fact that you did hit your lowest point, but you have managed to navigate that with your babies and get to where you are now is incredible.
• 14:19
  SPEAKER_02: Thank you.
• 14:20
  SPEAKER_02: And you're so young.
• 14:21
  SPEAKER_02: I'm so young, thank you.
• 14:23
  SPEAKER_02: Someone thought I was 29 the other day.
• 14:26
  SPEAKER_02: I'm I'm older.
• 14:28
  SPEAKER_02: I'll be 37 in December.
• 14:29
  SPEAKER_02: Oh well you're not so young.
• 14:31
  SPEAKER_02: Oh, thank you.
• 14:32
  SPEAKER_02: Yeah, no, that's ace.
• 14:33
  SPEAKER_02: It it was, it was to to be to have gone through a divorce and had two children at such a young age was you know, at one point I did feel like a failure.
• 14:40
  SPEAKER_02: I felt like a failure, I can't lie.
• 14:42
  SPEAKER_02: That is, you know, I'd started this marriage and everything, yeah, and and and family, like I had a family and settled down and it didn't work out, and I honestly thought my life was over.
• 14:51
  SPEAKER_02: Yeah, I mean not for long, yeah, but still when I was in that time.
• 14:56
  SPEAKER_01: I think a lot of it as well is that we are, and I say this a lot to a lot of people, I've probably said this on the podcast as well.
• 15:03
  SPEAKER_01: We're sold a lie, so we're sold this lie that this is what happiness has to look like, sure, and when it doesn't work out because you've you've got to a point where you've met someone you think you want to marry, and then you have the babies, and then it doesn't work out, all our reference points to a point, it's not so much now, tell us that we need to be unhappy and broken and ashamed.
• 15:28
  SPEAKER_01: Exactly, yeah.
• 15:30
  SPEAKER_01: We we don't no, no nothing happens when you get divorced, like literally nothing happens.
• 15:35
  SPEAKER_02: Of course, you're gonna be sad, of course you're gonna be grieving, yeah, but you are still you exactly, and I went through all that, all those emotions.
• 15:44
  SPEAKER_02: Kind of felt like I did get my identity back, which is a bit strange when you say no, it's not because you've got your surname back, yeah.
• 15:52
  SPEAKER_02: Some people don't have a big one, yeah.
• 15:54
  SPEAKER_02: I I felt like I needed to just get back to Nadia Enver, and yeah, so it was it was a massive change in point.
• 16:00
  SPEAKER_02: But 2021 for me was my lowest, and then I thought, god, there's gotta be more to life.
• 16:05
  SPEAKER_02: So I did pick myself up off the floor, yeah.
• 16:07
  SPEAKER_01: Good.
• 16:07
  SPEAKER_01: I think it's okay though to give yourself time on the floor because it's not easy to go through what you went through.
• 16:14
  SPEAKER_02: No, exactly, and I think that's really you've hit the nail on the head there, yeah, because it's not easy going through what I went through.
• 16:23
  SPEAKER_02: No, I didn't have a lot of space and time to be able to process it because I had two very small babies.
• 16:32
  SPEAKER_02: I mean, at one point, really, I had two under one, yeah.
• 16:35
  SPEAKER_02: Oh my god, nearly, because there's only 13 months between them.
• 16:38
  SPEAKER_02: So if you were if your kids were much older, they were maybe at school, you'd have that time to process it.
• 16:44
  SPEAKER_02: I had screaming babies around me that needed me 24 cents all the time, so that was the hardest bit of it all.
• 16:49
  SPEAKER_02: So, anyway, I picked myself up, you know, and you do you do heal over time, and I decided right I need to get back into the workplace because I didn't have a job, I didn't have anything for me, yeah.
• 17:00
  SPEAKER_02: You know, and I've always loved working, so I actually ended up getting a job at Mercedes-Benz in Carlisle, okay, which is a brilliant place to work, it's so much fun.
• 17:09
  SPEAKER_02: Yeah, yeah.
• 17:10
  SPEAKER_02: The team when when I worked there, anyways, was yeah, was just amazing.
• 17:14
  SPEAKER_02: It was it gave me a lot of confidence back, yeah.
• 17:17
  SPEAKER_02: Kind of introduced me back into the world of work.
• 17:20
  SPEAKER_02: Oh, okay, yeah.
• 17:21
  SPEAKER_02: So I did that, reconnect with your working self, yeah, like your working personality, yeah, and and the worth that I can sort of contribute to to a workplace as well, because I you I lost all that, you know.
• 17:35
  SPEAKER_02: I didn't I felt like I didn't really know who I was anymore.
• 17:38
  SPEAKER_02: Yeah.
• 17:39
  SPEAKER_02: So I get that.
• 17:41
  SPEAKER_02: Kind of reinvented myself, I guess.
• 17:43
  SPEAKER_01: And um Do you think it was a reinvention or do you think it was a coming home but the next iteration?
• 17:52
  SPEAKER_02: Yeah, that's actually a really good way of looking at it.
• 17:55
  SPEAKER_02: And there was somebody that was watching um was watching a podcast just yesterday about a woman who says, like, stop saying, like, I need to snap back.
• 18:04
  SPEAKER_02: Yeah.
• 18:05
  SPEAKER_02: Do you have kids?
• 18:06
  SPEAKER_02: Like, you're not snapping back.
• 18:07
  SPEAKER_01: You're not the same person, are you?
• 18:09
  SPEAKER_02: Yeah, you are actually a better version of you now.
• 18:12
  SPEAKER_02: You've developed, you've grown, and I think you're right, it's not so much.
• 18:17
  SPEAKER_01: Yes, because I'm not the girl I was.
• 18:20
  SPEAKER_01: No, and to be honest, I don't think I mean for me personally, anyway, can't speak generally.
• 18:26
  SPEAKER_01: For me personally, I think there has to be growth, yeah, and there has to be forward movement, yeah, in yourself, whatever that looks like, however, micro it is, it's not a case of staying where you are.
• 18:40
  SPEAKER_02: No, because you're not enriching your life, and you're gonna get one chance at this, yeah, you have to make it right for you, and I think that is what depression is ultimately.
• 18:51
  SPEAKER_02: If you are feeling stuck or you can't move forward, yeah, for me, that's depression.
• 18:55
  SPEAKER_02: Yeah, I know I was depressed in 2021 because I felt stuck, yeah.
• 19:00
  SPEAKER_02: You know, I'm not ashamed or afraid to say that now, now that I'm out of it.
• 19:04
  SPEAKER_01: I think it's great that nowadays we are so honest about it, and it's so important for people to hear that if they are going through it now, everyone's been there.
• 19:15
  SPEAKER_02: At some point in their life, everyone's there.
• 19:17
  SPEAKER_01: Everyone will have.
• 19:18
  SPEAKER_01: Even if at that point you don't recognise it, when you come out of it, you think, Oh, that was that was really tough, and actually, I was probably quite unhappy.
• 19:27
  SPEAKER_02: So that's how I started working at Mercedes-Benz.
• 19:30
  SPEAKER_02: Yeah, and then I did that for two years.
• 19:32
  SPEAKER_02: Uh-huh.
• 19:33
  SPEAKER_02: Then I was like getting itchy feet, you know, like, okay, so I'm doing this, but actually, there's so much more.
• 19:38
  SPEAKER_02: Now I've like healed and I'm okay, and everything, everything's gonna be fine.
• 19:42
  SPEAKER_02: So I started going on to my LinkedIn.
• 19:45
  SPEAKER_02: Yeah, I thought, oh, I'll do IT because you can work remotely.
• 19:49
  SPEAKER_02: Because my my plan in my head was with the boys, yeah.
• 19:52
  SPEAKER_02: Being a single parent, it's really great to be able to work at home.
• 19:55
  SPEAKER_02: Yeah, and I couldn't do that at Mercedes, so yeah, it's hard to sell cars remotely.
• 20:00
  SPEAKER_01: Well, exactly, yeah.
• 20:02
  SPEAKER_01: You kind of have to be there.
• 20:04
  SPEAKER_01: Here's the driving simulation.
• 20:06
  SPEAKER_02: Honestly, you don't know what the AI is gonna bring out, you know that's a good idea.
• 20:10
  SPEAKER_01: So this is actually a really good walk for this kind of weather, isn't it?
• 20:15
  SPEAKER_01: Because it's not too muddy, the paths are really accessible.
• 20:19
  SPEAKER_01: Yeah, the trees provide a bit of shade for you.
• 20:24
  SPEAKER_01: I mean, my let's not even talk about my hair.
• 20:28
  SPEAKER_01: And the fact I forgot to close my bag and it's wet inside.
• 20:32
  SPEAKER_02: And the mic's even still working.
• 20:34
  SPEAKER_02: We don't know.
• 20:35
  SPEAKER_02: There's all sorts going on.
• 20:36
  SPEAKER_02: I thought I was gonna get into um IT.
• 20:39
  SPEAKER_02: Yeah, because I had this thing in my head that I could, you know, do pretty well.
• 20:44
  SPEAKER_02: People do pretty well.
• 20:45
  SPEAKER_02: I have a friend that works in IT and work from home and stuff.
• 20:49
  SPEAKER_02: Yeah, I did an accreditation in Salesforce as a Salesforce administrator, but it just never, nothing ever came out of it.
• 20:56
  SPEAKER_02: You know, I would apply for all these jobs and nothing, nothing.
• 20:58
  SPEAKER_02: Yeah, okay, that's not for me, the universe is telling me no nah.
• 21:02
  SPEAKER_02: That's a really strong sign here, and I think I know why, which I'll explain in a sec.
• 21:05
  SPEAKER_02: Okay.
• 21:06
  SPEAKER_02: I had him open to work on, and then I got a message one day from a saw LinkedIn you put open to work.
• 21:11
  SPEAKER_02: Yes, yeah, because I knew I was kind of looking for something, and then this guy called James from St.
• 21:16
  SPEAKER_02: James's Place.
• 21:17
  SPEAKER_02: Is he St.
• 21:18
  SPEAKER_01: James?
• 21:19
  SPEAKER_02: He's like, Well, he's nice anyway, because he led me to this.
• 21:23
  SPEAKER_02: Yeah, he's just been promoted actually, commentated on his thing saying, like, well done, like you just literally changed my life.
• 21:29
  SPEAKER_02: Yeah, and I just I don't know, I just feel very connected with the word James.
• 21:33
  SPEAKER_02: My son's called James, I work for St.
• 21:34
  SPEAKER_02: James's Place.
• 21:35
  SPEAKER_02: James helped me get onto the academy, so he basically offered me the position of joining the academy, said, you know, you've worked in car sales, so we think you'll do really well in this role and things.
• 21:46
  SPEAKER_02: Okay.
• 21:47
  SPEAKER_02: I can't lie, I thought it was a bit of a scam at first.
• 21:49
  SPEAKER_02: Oh, did you?
• 21:50
  SPEAKER_01: I think I would do the same.
• 21:52
  SPEAKER_02: Yeah, there was like this guy on the internet saying to me that he would pay for me.
• 21:56
  SPEAKER_02: There was an academy out there that would pay for me to do all this, yeah, and then.
• 22:00
  SPEAKER_02: Allowed me to have my own business and things.
• 22:02
  SPEAKER_02: It was just too good to be true.
• 22:04
  SPEAKER_02: It was almost yeah, so I said yes, because I'm a yes person.
• 22:07
  SPEAKER_02: Yeah, good for you.
• 22:08
  SPEAKER_02: Um, but the the actually the onboarding onto the academy was super intense, like right.
• 22:14
  SPEAKER_02: About three interviews, wow, psychometric testing.
• 22:18
  SPEAKER_02: Oh wow, yeah, a business plan.
• 22:21
  SPEAKER_02: We had to do like market research in terms of your like private network, like you have to basically go out and ask people, do you think I would be good in this position?
• 22:29
  SPEAKER_02: Which is good, I suppose, because you kind of need to be forces you to put yourself out there straight away.
• 22:35
  SPEAKER_02: They need to see that you can do that.
• 22:37
  SPEAKER_01: And that's really hard.
• 22:38
  SPEAKER_01: I mean, sales is hard anyway, yes, and it can be really awkward, and especially with people you know, so it's great to start there.
• 22:46
  SPEAKER_01: Exactly.
• 22:47
  SPEAKER_02: Yeah, so I got I got positive feedback, and most of my close network know that I'm just I'm just so outgoing, yeah.
• 22:54
  SPEAKER_02: They were like, Yeah, yeah, you have a good, yeah, yeah.
• 22:57
  SPEAKER_02: Um most of them probably just like, oh it's just another thing that Naddy is gonna be doing.
• 23:00
  SPEAKER_02: Yeah, okay, yeah.
• 23:02
  SPEAKER_02: But you know, I just I put my mind to it, I can kind of achieve what I want, yeah, most of the time anyway.
• 23:09
  SPEAKER_02: Yeah.
• 23:09
  SPEAKER_02: So I did all the exams and everything, and yeah, I was appointed in January this year.
• 23:15
  SPEAKER_01: Amazing.
• 23:16
  SPEAKER_01: So that means all so how often do you have to keep re-accrediting?
• 23:21
  SPEAKER_02: So you do internal accreditation every year, yeah.
• 23:25
  SPEAKER_02: Um, but there is also continuous professional development, okay, which we do pretty much throughout the year to we have like a system where on a 12 month rolling basis you have to do X amount of hours in your what you know what you prefer.
• 23:39
  SPEAKER_01: I guess things change so often as well, do they?
• 23:42
  SPEAKER_02: They do, yeah.
• 23:43
  SPEAKER_02: But we have SJP have their own internal training system, yeah.
• 23:48
  SPEAKER_02: Where you can go on and you can pretty much learn anything.
• 23:50
  SPEAKER_02: Oh, that's good.
• 23:51
  SPEAKER_02: It'd be so gorgeous.
• 23:52
  SPEAKER_02: And they put on like events and stuff around the UK like training days and things, so that'll go us towards your CPD.
• 23:59
  SPEAKER_02: Oh, that's good.
• 24:00
  SPEAKER_01: Yeah, yeah.
• 24:01
  SPEAKER_01: It's really good.
• 24:02
  SPEAKER_01: So you've been fully fledged financial advisor, is that your own?
• 24:06
  SPEAKER_01: Yeah, but that's that's that's exactly what I am.
• 24:09
  SPEAKER_01: Your own business.
• 24:10
  SPEAKER_02: Yes.
• 24:11
  SPEAKER_02: So when you joined the academy, you could go through two different routes.
• 24:14
  SPEAKER_02: You could do you could you could become an advisor in a practice that already existed.
• 24:19
  SPEAKER_02: Oh, okay.
• 24:20
  SPEAKER_02: Or you could create the practice essentially.
• 24:24
  SPEAKER_01: And I was I feel like that was a no-brainer for you.
• 24:26
  SPEAKER_02: Yeah, it was always gonna be yours.
• 24:29
  SPEAKER_02: I was like, oh really?
• 24:30
  SPEAKER_02: So yeah, um, I would definitely not miss an opportunity to create my own business, which really, when I look back in over the years, that's really what I've been trying to do.
• 24:39
  SPEAKER_02: Yeah, like with the salon and with forever living and things.
• 24:42
  SPEAKER_02: So um I was like, yeah, and and to be fair, so that was what I was gonna say about the whole IT thing.
• 24:49
  SPEAKER_02: Oh yeah, so no, I know, yeah.
• 24:51
  SPEAKER_02: Um when we joined the when we were going through the onboarding, they did a thing called Insights.
• 24:56
  SPEAKER_02: Okay, and this is where you get to see um what you what you exceed in, what areas.
• 25:02
  SPEAKER_02: So there's four colours there's red, yellow, blue, and green.
• 25:05
  SPEAKER_02: Yeah, the red is very like driven, like sort of all top C CEOs are normally red energies.
• 25:12
  SPEAKER_02: You've got yellow, very social, bubbly, get yourself out there, yeah.
• 25:15
  SPEAKER_02: Green, so very care inside, um, very considerate, and then your blue is like all the data-driven things, so like your IT.
• 25:23
  SPEAKER_02: So, like most people that work in IT will be really high in blue.
• 25:26
  SPEAKER_02: Okay.
• 25:27
  SPEAKER_02: I've got virtually no blue when we got it back.
• 25:32
  SPEAKER_02: Like, honestly, I was like, that's why I didn't get a dog was a still happening.
• 25:39
  SPEAKER_02: So hilarious.
• 25:40
  SPEAKER_02: It's so accurate though, it's crazy.
• 25:42
  SPEAKER_02: Like, what's it?
• 25:42
  SPEAKER_02: What was it called?
• 25:43
  SPEAKER_02: Can you remember?
• 25:44
  SPEAKER_02: It's called insights.
• 25:45
  SPEAKER_02: Oh, it's just called insights.
• 25:46
  SPEAKER_02: It's called insights.
• 25:47
  SPEAKER_02: There's different ones out there.
• 25:49
  SPEAKER_01: And is it like a massive long questionnaire that you have to go through?
• 25:52
  SPEAKER_01: Yeah, but the most bizarre questions.
• 25:54
  SPEAKER_01: Oh, really?
• 25:54
  SPEAKER_02: Like what?
• 25:55
  SPEAKER_02: Like, would you complain if you got served a meal that you didn't like in a restaurant and things, and how would you complain?
• 26:01
  SPEAKER_02: And and I also want to like mark it like on a scale of one to five, right?
• 26:05
  SPEAKER_02: Kind of thing, like sh well, it's more like strongly agree, strongly disagree, you know what I mean?
• 26:09
  SPEAKER_01: Yeah.
• 26:10
  SPEAKER_01: And I just those kind of questions draw out what kind of character you are.
• 26:15
  SPEAKER_01: Exactly.
• 26:15
  SPEAKER_01: Yeah, that's really interesting.
• 26:17
  SPEAKER_01: Yeah.
• 26:17
  SPEAKER_01: I'm sure there's loads of um research that's gone into that.
• 26:21
  SPEAKER_01: Oh, you want to do it.
• 26:23
  SPEAKER_02: But you should do it, but it's bang on, honestly.
• 26:25
  SPEAKER_02: Like, I'm I'm really high in yellow, so I my yellow is the top, and then just below it is red.
• 26:31
  SPEAKER_02: I was gonna say there must be red and somewhere.
• 26:34
  SPEAKER_02: Virtually you can actually on the training, a lot of the the guys had a joke and they were like, There's no way your yellow is higher than your red, you're definitely red.
• 26:42
  SPEAKER_02: Yeah, like yeah, I guess I'm kind of blunt.
• 26:45
  SPEAKER_01: Yeah, yeah.
• 26:47
  SPEAKER_01: Well, you just have that sort of go-getting energy about you, but in a very grounded way.
• 26:54
  SPEAKER_01: Not a reference to the airplanes, by the way.
• 26:57
  SPEAKER_01: This is actually grounded.
• 26:59
  SPEAKER_02: I do try and stay grounded, but I think the kids have grounded me, honestly.
• 27:02
  SPEAKER_02: Yeah, I really wasn't this version of myself, as we were just talking about.
• 27:06
  SPEAKER_02: Yeah, they've kind of grounded me.
• 27:08
  SPEAKER_01: I think I think that whole thing of versions of yourself is so important to recognise because we are versions of ourselves, and it's good to have one version that evolves rather than trying to manage different versions for different situations.
• 27:23
  SPEAKER_01: True, true, because that's exhausting, yes, yeah.
• 27:27
  SPEAKER_01: Yeah, it's almost like just connecting with yourself who you are and being really comfortable with that person, yeah, and to do it at your age is great because so many people don't, and so many people and I get it, would be scared to open that box because you go through life thinking or not thinking, actually, you kind of fall into things once you become an adult, and you fall into the job, or you fall into the relationship, fall out of the relationship, and maybe into another one, you know.
• 28:01
  SPEAKER_01: You're kind of falling into things, and when do you get time to pause?
• 28:04
  SPEAKER_01: Because underneath all of that, you still have to do the adulting stuff.
• 28:08
  SPEAKER_01: Exactly.
• 28:08
  SPEAKER_01: Yeah, you've still got it.
• 28:09
  SPEAKER_01: It's so hard to carve out that time to actually invest in you.
• 28:14
  SPEAKER_02: Really hard, and I do think I am a big believer in fit, yeah, and also just being a yes person.
• 28:20
  SPEAKER_02: Like if I didn't say yes to James, yeah, I wouldn't have bought on the academy.
• 28:23
  SPEAKER_02: Yeah, if I didn't put my if I didn't invest the time, the little time that I had into doing my LinkedIn up, you wouldn't have noticed my so everything it's a domino effect, really.
• 28:35
  SPEAKER_02: Um but what I will say is my my partner, he has massively facilitated me in many many ways.
• 28:43
  SPEAKER_02: Nice, he's amazing, and really he is actually my rock, and I know again with the cheese, yeah.
• 28:49
  SPEAKER_02: But yeah, we like cheese, yeah, yeah.
• 28:52
  SPEAKER_02: He's like even today, I mean, I'm out all day, um, you know, he's dealing with the kids and everything.
• 28:58
  SPEAKER_02: We're a real team and we're a blended family, and yeah, he's helped me so much on my healing journey, yeah.
• 29:05
  SPEAKER_01: So, yeah, I can't I'm sure I'm sure that it is reciprocated and like the other way about as well.
• 29:13
  SPEAKER_01: I'm sure you add a lot to his life too.
• 29:15
  SPEAKER_02: I think so.
• 29:16
  SPEAKER_02: He did make a comment the other day about he knows where his bread's buttered, so I'll take that.
• 29:20
  SPEAKER_02: I'll take that.
• 29:22
  SPEAKER_02: He yeah, he he loves me, I feel that.
• 29:24
  SPEAKER_02: So that's good.
• 29:25
  SPEAKER_02: It's nice, yeah.
• 29:27
  SPEAKER_02: And everything just kind of fit in to place, and like I say, help the healing process of and like I you know, now I'm very amicable with the boy's dad and everything, and you know, he sees the boys, we work that out really well, so things have become dare I say, quite smooth.
• 29:48
  SPEAKER_01: Oh, good.
• 29:49
  SPEAKER_01: Touch words, touch wood, yeah.
• 29:50
  SPEAKER_02: Well, superstitious, but yes, universe, we want to keep it there.
• 29:54
  SPEAKER_02: Yeah, yeah, exactly.
• 29:56
  SPEAKER_02: But no, it has, it's it's like everything kind of does work out.
• 29:59
  SPEAKER_02: My mum had a quote um the Marigold Hotel film.
• 30:04
  SPEAKER_02: Okay, yeah.
• 30:05
  SPEAKER_02: And it's like if it's not okay, it's not the end, basically.
• 30:08
  SPEAKER_02: So I think it's a bit longer than that.
• 30:10
  SPEAKER_02: I can't remember word for word what it is, but yeah, don't worry if it's not okay, because if it's not okay, it's not the end.
• 30:15
  SPEAKER_02: Yeah, it's like everything does eventually work out.
• 30:17
  SPEAKER_01: It does, it does, and it's also with intention, isn't it?
• 30:21
  SPEAKER_01: Because you chose to get off the floor.
• 30:24
  SPEAKER_02: Yeah, thank you.
• 30:27
  SPEAKER_02: You made me cry.
• 30:29
  SPEAKER_02: You won't see if I'm crying because of all the rain, but yeah, I did.
• 30:33
  SPEAKER_02: I did.
• 30:33
  SPEAKER_02: That was the hardest choice of my life.
• 30:35
  SPEAKER_02: Yes, it really was, and at one point I didn't know how I was gonna do it.
• 30:39
  SPEAKER_02: Yeah, but looking back now, I think thank god I did.
• 30:43
  SPEAKER_02: Yeah, you know, and to anyone else who is like struggling out there, yeah, that doesn't know how they're gonna get out their situation, yeah, they will eventually one day because we all have breaking points and we all have limits.
• 30:57
  SPEAKER_01: Yeah, financial advice then, yes.
• 31:01
  SPEAKER_01: For particularly for women, but generally you would advise anyone who needed help.
• 31:08
  SPEAKER_01: So, one of my favourite kind of things, particularly for women, just based on my lived experience, having been divorced twice and actually been fine because I've always kept everything separate, and that's not a sign that you don't trust your partner, that's just a sign that you want autonomy.
• 31:27
  SPEAKER_01: Absolutely, and it's okay not to have the joint bank account, it doesn't mean you're not in love, yeah, it just means that you have a separate bank account, it means nothing more than that, and so I think you know sometimes we look for a deeper meaning and there isn't one, yeah, just being practical, and so one of my favourite points of reference is that it it wasn't until in our lifetime that women could have an independent bank account in this country, isn't that outrageous?
• 31:56
  SPEAKER_01: That is it's outrageous, yeah.
• 31:57
  SPEAKER_01: It's it's outrageous on the basis as well that I wouldn't have afforded the freedoms I've had and enjoyed and the liberty to make my choices because I was financially free.
• 32:13
  SPEAKER_02: Yes, and that's what it comes down to choice and freedom.
• 32:16
  SPEAKER_02: Yeah, so that is the first thing I would say to anybody who is looking, any any woman uh who who is thinking, how can I protect myself going forward?
• 32:28
  SPEAKER_02: Firstly, you've got your protection, yeah, you've got all your you know, income protection, life insurance, all that kind of thing.
• 32:36
  SPEAKER_02: Yeah, that's great, but just managing your own finances is so powerful, and actually breaking free from the taboo of like you are money mad because you want money, or you want to talk about money.
• 32:52
  SPEAKER_01: Oh isn't that interesting?
• 32:53
  SPEAKER_01: That whole concept of it's really interesting that and I have this conversation a lot, and you and I are doing the same business strategic what what is the course called?
• 33:04
  SPEAKER_01: Yeah, box box solutions.
• 33:06
  SPEAKER_01: That's Rebecca's um business.
• 33:10
  SPEAKER_01: Skill fix.
• 33:13
  SPEAKER_01: I was like, what is that actually called?
• 33:14
  SPEAKER_01: Put me on the spot there.
• 33:15
  SPEAKER_01: I'm like box box solutions.
• 33:16
  SPEAKER_01: Sorry.
• 33:17
  SPEAKER_01: Well I I don't even know.
• 33:19
  SPEAKER_01: I was looking to you as the font of knowledge here.
• 33:21
  SPEAKER_01: So in the course, one of the books that was recommended was Get Rich Lucky Bitch.
• 33:26
  SPEAKER_01: Yeah, yeah.
• 33:27
  SPEAKER_01: So interesting.
• 33:28
  SPEAKER_01: I'm listening to her podcast right now.
• 33:30
  SPEAKER_01: Yeah, it is so interesting that a lot of the things she says about your money mindset is so true.
• 33:37
  SPEAKER_01: Yeah, like I talk to people a lot.
• 33:40
  SPEAKER_01: So I I drive a very nice car, and that is by intention because it's important to me for my nieces and nephews and cousins and sisters and brothers and whatever to know that nothing happens when you get divorced, like your trajectory does not have to change, and the only person in control of that is you.
• 34:05
  SPEAKER_01: And if you want to drive a nice car, drive it.
• 34:08
  SPEAKER_01: Yeah, yeah, and it's a stunning car.
• 34:10
  SPEAKER_01: Thank you.
• 34:11
  SPEAKER_01: It doesn't, you know, it's it's more about the messaging as well that there's nothing wrong with being successful.
• 34:17
  SPEAKER_01: Oh, but you want so many of us tr think we have to judge the successful person.
• 34:22
  SPEAKER_02: Yes, like cruel de villa, or devil wear prader, yes, all the villains are wealthy.
• 34:30
  SPEAKER_01: Yes, there are so many successful wealthy people who you pass by every day who don't look it.
• 34:37
  SPEAKER_01: No, no, like there's there's no stereotype of what that looks like, it's just that we associate it with certain things and certain attributes.
• 34:46
  SPEAKER_02: Yeah, and we need to break that.
• 34:49
  SPEAKER_02: We do.
• 34:49
  SPEAKER_02: There's people driving really nice cars that don't have a lot of them, yeah, exactly.
• 34:52
  SPEAKER_02: And then there's millionaires that are driving up on billionaires that are driving really, you know, old cars.
• 34:58
  SPEAKER_01: Exactly.
• 34:58
  SPEAKER_01: It means nothing, it doesn't, it doesn't we need to free ourselves to let the universe turn that tap on.
• 35:04
  SPEAKER_02: Yes, exactly.
• 35:06
  SPEAKER_02: But that podcast is amazing, I know what you're talking about.
• 35:08
  SPEAKER_02: Yeah, it's okay, it's okay to talk about money, and and then the whole thing of going through the the divorce and not having a job, that was a massive point in time for me where I was like, ah, I mean I've always managed money relatively well, yeah, but that was a time when I was like, I need to sort this out now.
• 35:26
  SPEAKER_02: Yeah, we deserve a better life, yes, and you know I I have to be both.
• 35:32
  SPEAKER_02: I have to be a mother, full-time mum, and full-time worker, really.
• 35:36
  SPEAKER_01: Yeah, absolutely.
• 35:37
  SPEAKER_01: Well, the yeah, it's it's also I guess knowing that you have these babies who are look looking to you, yeah.
• 35:46
  SPEAKER_01: Yeah, who else is going to do it?
• 35:48
  SPEAKER_02: Well, I often I often fantasize about this in my head.
• 35:51
  SPEAKER_02: I have to think, God, imagine one day like the boys want to do what I'm doing, and I help them achieve that or something.
• 35:58
  SPEAKER_02: I mean then they might not, they might not ever want to do that, but I do often think, and that's one of the things that pushes me and motivates me.
• 36:05
  SPEAKER_02: It's like I want to be that role model, they see me in my office, in my house.
• 36:08
  SPEAKER_02: Yeah, and I want to do it, I enjoy what I do, and I want them to see me enjoy work, and I talk about money with them.
• 36:16
  SPEAKER_01: Yeah, you know, it's so important, isn't it?
• 36:19
  SPEAKER_01: That I cannot believe, and I rant about this a lot, and I'm not a big rantor, to be fair, but this is one of my hot topics.
• 36:26
  SPEAKER_01: How do we leave school with no financial education?
• 36:29
  SPEAKER_01: I don't know.
• 36:30
  SPEAKER_01: How does this don't know?
• 36:32
  SPEAKER_02: We're learning about test this what I said this to my my boyfriend's mum the other day.
• 36:36
  SPEAKER_02: Like, I would have much rather learnt about how to do like a tax return than mess around with a with a test tube.
• 36:44
  SPEAKER_02: Yeah, I never really enjoyed science, I was never really good at it, anyways.
• 36:47
  SPEAKER_02: But that's a lot of this show.
• 36:49
  SPEAKER_02: Absolutely.
• 36:50
  SPEAKER_02: Where do you pay your rent?
• 36:53
  SPEAKER_02: I go into schools and I teach financial literacy now.
• 36:56
  SPEAKER_02: You do, yes, that's amazing.
• 36:58
  SPEAKER_02: Oh, I'm so happy you said that.
• 37:00
  SPEAKER_02: Yeah, we need to change that.
• 37:02
  SPEAKER_02: I know we do.
• 37:03
  SPEAKER_02: I'm on a mission too.
• 37:05
  SPEAKER_02: It does need to be in the curriculum.
• 37:06
  SPEAKER_02: Yes.
• 37:06
  SPEAKER_02: I'm sorry, but it does.
• 37:08
  SPEAKER_02: Like, we need these skills.
• 37:09
  SPEAKER_01: Yeah, it's just bonkers.
• 37:11
  SPEAKER_01: I know.
• 37:12
  SPEAKER_01: Yeah, we've kind of set off into the world with Pythagoras' theorem, yeah, which is all good, you know, it's it's good to know, but it's still not really not really a life skill because you can kind of just look that up, can't you?
• 37:24
  SPEAKER_01: Oh, you have to pull it away from you that way.
• 37:31
  SPEAKER_01: That way.
• 37:34
  SPEAKER_01: Maybe they should be taught in skills.
• 37:36
  SPEAKER_01: Yeah, how to have prevented, though, but they are all different to be fair.
• 37:40
  SPEAKER_01: Very good.
• 37:42
  SPEAKER_01: It's come out nice now.
• 37:44
  SPEAKER_01: It has.
• 37:46
  SPEAKER_01: Every time I put my hood down, it comes, it starts raining again.
• 37:50
  SPEAKER_01: Oh, look at this tree.
• 37:52
  SPEAKER_01: I love a bit of a distressed tree.
• 37:54
  SPEAKER_01: Ah no, it's not lovely.
• 37:56
  SPEAKER_01: And it's growing back, which is nice.
• 37:58
  SPEAKER_01: And you think how long has that been there and who's walked by this tree?
• 38:02
  SPEAKER_01: Yeah, exactly.
• 38:03
  SPEAKER_01: Oh, we'll let this pod bike thingy go past.
• 38:07
  SPEAKER_03: Yeah.
• 38:11
  SPEAKER_01: Oh yeah.
• 38:12
  SPEAKER_01: Oh yeah.
• 38:13
  SPEAKER_02: Yeah, it's great that you're doing that.
• 38:15
  SPEAKER_02: I love that.
• 38:15
  SPEAKER_02: Yeah, so that was one of the things that like I was talking about um SJP having their own like internal training system.
• 38:22
  SPEAKER_02: Yes.
• 38:23
  SPEAKER_02: You have to do an accreditation to do that.
• 38:25
  SPEAKER_02: So as soon as I was off term two and into the big bad worlds, yeah.
• 38:29
  SPEAKER_02: I was like, need to get out there, I need to educate, because I think it's really, really important.
• 38:35
  SPEAKER_02: Yeah.
• 38:36
  SPEAKER_02: But also it was a way of getting out and about without really having much of a network at that time in January.
• 38:41
  SPEAKER_02: It kind of yeah, it fit it was something that just felt good, yeah.
• 38:45
  SPEAKER_02: You know, so I did the accreditation, and um, there is actually different levels you can do.
• 38:50
  SPEAKER_02: You can go into secondary schools as well.
• 38:53
  SPEAKER_02: Haven't quite got there yet, yeah.
• 38:55
  SPEAKER_02: But um, I will do that.
• 38:57
  SPEAKER_01: I love that.
• 38:58
  SPEAKER_01: I just really love that you're doing that.
• 39:00
  SPEAKER_01: Can you do something for grown-ups?
• 39:02
  SPEAKER_01: Like a workshop or a half a day.
• 39:05
  SPEAKER_01: Yeah, I do one to freedom.
• 39:08
  SPEAKER_02: Yeah, I do workshops.
• 39:09
  SPEAKER_02: I do a bit like what I did at Pink Link.
• 39:12
  SPEAKER_02: Yeah, almost um you were oh yes, I was there.
• 39:17
  SPEAKER_02: Oh my god, I'm so sorry.
• 39:18
  SPEAKER_01: I'm so glad you remembered my talks and can you?
• 39:21
  SPEAKER_01: Thank you for that.
• 39:22
  SPEAKER_01: I looted your books.
• 39:23
  SPEAKER_01: Literally, anyone that visits my house leaves with a book and your business card.
• 39:30
  SPEAKER_02: Yes, thank you for that.
• 39:31
  SPEAKER_02: And so that was more like a woman.
• 39:38
  SPEAKER_01: I remember it clearly.
• 39:40
  SPEAKER_02: And it left a lasting impression on you, didn't you?
• 39:42
  SPEAKER_02: Well, that's my wheel here.
• 39:45
  SPEAKER_02: Oh god.
• 39:46
  SPEAKER_02: So that was more like based around women finance, which that is kind of like become a little bit of a niche of mine.
• 39:54
  SPEAKER_02: Yeah, but I'm open to going into workplaces and doing talks, just even just around retirement planning or anything like that.
• 40:02
  SPEAKER_02: Retirement planning's a biggie.
• 40:04
  SPEAKER_02: Yeah.
• 40:04
  SPEAKER_02: Because a lot of people don't really know what's happening with their pension, yeah.
• 40:08
  SPEAKER_02: They just think they've got some money in an account somewhere, yeah.
• 40:12
  SPEAKER_02: I can support anybody who needs assistance with that.
• 40:16
  SPEAKER_02: Yeah.
• 40:17
  SPEAKER_01: What exactly do you advise on?
• 40:20
  SPEAKER_02: So I think of it as sort of like the three main categories are like protection, like I said earlier.
• 40:26
  SPEAKER_02: So what does that mean?
• 40:27
  SPEAKER_02: So anything from business protection to critical illness cover, income protection, life insurance, whole of life.
• 40:36
  SPEAKER_02: What does whole of life mean?
• 40:38
  SPEAKER_02: Whole of life insurance is when you have guaranteed a payout.
• 40:42
  SPEAKER_02: Okay.
• 40:43
  SPEAKER_02: So it's different to like level term cover.
• 40:45
  SPEAKER_02: Okay.
• 40:46
  SPEAKER_02: So you can get life insurance to cover you for the next say 20 years.
• 40:49
  SPEAKER_02: Okay.
• 40:50
  SPEAKER_02: Oh, I see, and then you could live past that.
• 40:52
  SPEAKER_02: And then ultimately, yes, you would have been projected, and that's great.
• 40:56
  SPEAKER_02: It's more for people that are maybe like my age, I would probably I'm I'm in the process of actually setting up level term insurance for myself.
• 41:04
  SPEAKER_02: Right.
• 41:04
  SPEAKER_02: But if you were say late 50s, you would maybe be looking more at hall of life.
• 41:09
  SPEAKER_02: Oh, okay.
• 41:10
  SPEAKER_02: Because you kind of know at one point it's gonna come.
• 41:13
  SPEAKER_02: Yeah.
• 41:14
  SPEAKER_02: And maybe if you had like vulnerable children, yeah, vulnerable adult children, it would be sort of nice to you know, you can either leave it leave a legacy or it could pay IHT, inheritance tax bill, whole of life.
• 41:28
  SPEAKER_02: Yeah, so it's different, different needs.
• 41:31
  SPEAKER_01: So that's a question then that's just popped up.
• 41:34
  SPEAKER_01: So we pay all these insurances month on month.
• 41:37
  SPEAKER_01: Yes, and then when the time comes and we're no longer here, does that money go anywhere?
• 41:46
  SPEAKER_01: That insurance is that just cancelled and all that money we've poured into it, that's the end of it.
• 41:51
  SPEAKER_01: Insurance I hate insurance by the way.
• 41:53
  SPEAKER_02: A lot of people do, a lot of people do, and that's why a lot of people choose Hall of Life cover because it doesn't go away, it goes to the beneficiaries of your okay, you know what I mean?
• 42:02
  SPEAKER_02: That's the answer.
• 42:03
  SPEAKER_02: So that's why I'm actually I get a lot of interest with Hall of Life cover because people a lot of people are like yourself and don't believe in insurance.
• 42:11
  SPEAKER_01: I do have the you know, critical life cover and all of that's good stuff, and that's great.
• 42:16
  SPEAKER_01: It's so important, and that is insurance, so you don't hit it.
• 42:19
  SPEAKER_01: I know.
• 42:19
  SPEAKER_01: Well, I do it because it's essential.
• 42:22
  SPEAKER_02: I'm gonna tell you a story of why you should get it.
• 42:25
  SPEAKER_02: Yeah.
• 42:26
  SPEAKER_02: I was diagnosed with blood cancer in June last year.
• 42:30
  SPEAKER_02: Oh no dear.
• 42:31
  SPEAKER_02: Yeah.
• 42:31
  SPEAKER_02: I I don't know how it happened, they just noticed that over time my platelets were very high.
• 42:36
  SPEAKER_02: Okay.
• 42:37
  SPEAKER_02: I was getting blood tests because I am anemic as well, so they do I do get regular blood tests, and yeah, they noticed hi platelets, this is normally a formal cancer, so okay.
• 42:46
  SPEAKER_02: I did a bone marrow biopsy earlier this year and it was confirmed.
• 42:50
  SPEAKER_02: So I kind of got the semi-dis semi-diagnosis last June.
• 42:54
  SPEAKER_02: Okay, just before I started the academy, and I was like, Oh gosh, didn't process it at all, put it to the back of my head.
• 42:59
  SPEAKER_02: No, not me, not today, that's not happening.
• 43:02
  SPEAKER_02: Yeah, but then um they said we can do a bone marrow biopsy, which was the worst experience ever, by the way.
• 43:08
  SPEAKER_02: Horrific record that confirmed that I do have it, and it's called Essential Thrombocenia.
• 43:14
  SPEAKER_02: Okay.
• 43:14
  SPEAKER_02: Now, prior to my diagnosis, well, prior to the first time hearing about it, which was last June, where they said, Yeah, there's a strong likelihood that you've got it.
• 43:25
  SPEAKER_02: I didn't have any cover or anything, so no critical illness cover, no nothing, because I wasn't doing this job really.
• 43:31
  SPEAKER_02: Yeah, not just blaming it on that, I just never really.
• 43:34
  SPEAKER_02: Also, we're not educated.
• 43:35
  SPEAKER_02: I wasn't educated, yeah.
• 43:36
  SPEAKER_02: Yeah, and now this is what I do, and I talk to people every day get your critical illness cover.
• 43:41
  SPEAKER_02: Yeah, get your you know, get your get your life insurance because now my premiums are double.
• 43:46
  SPEAKER_02: Yeah, there are many, many providers that won't insure me.
• 43:51
  SPEAKER_02: Right.
• 43:51
  SPEAKER_02: Critical illness won't even touch me.
• 43:53
  SPEAKER_01: See, this is why I think I hate it.
• 43:55
  SPEAKER_01: This is why I hate it.
• 43:57
  SPEAKER_01: So I've got uh private healthcare, yeah.
• 43:59
  SPEAKER_01: Um I've got a something and nothing on my knee.
• 44:03
  SPEAKER_01: Okay.
• 44:03
  SPEAKER_01: And I can't do it through my insurance because it it probably started within the last five years.
• 44:09
  SPEAKER_02: Okay.
• 44:10
  SPEAKER_02: So I'm like, god damn it, this is a scam.
• 44:12
  SPEAKER_02: Yes, that is that is quite harsh actually.
• 44:16
  SPEAKER_02: Maybe there's a way to fight that or anything, but that is a bit harsh.
• 44:20
  SPEAKER_01: Well, because it's so minor, it's not something to worry about.
• 44:23
  SPEAKER_01: But yeah, if it was something a bit more, I'd be like, and also it's this whole thing of energy as well, isn't it?
• 44:29
  SPEAKER_01: Because I've decided insurance is a scam.
• 44:32
  SPEAKER_01: So every time I go into these conversations, I've decided it's gonna be hard.
• 44:37
  SPEAKER_01: Yeah, yeah, you've got to do that.
• 44:38
  SPEAKER_01: So I need to reframe that.
• 44:39
  SPEAKER_01: You do, but you do.
• 44:41
  SPEAKER_01: But thank you for sharing that with us, Nadia.
• 44:43
  SPEAKER_01: That was that's big information.
• 44:46
  SPEAKER_02: I just want to spread awareness because I'd be about 250k better off now.
• 44:51
  SPEAKER_02: You know, and actually, I know I'm not gonna die tomorrow.
• 44:55
  SPEAKER_02: No, right?
• 44:56
  SPEAKER_02: This is a lifelong condition that ultimately I've been told does give you a very long time, it doesn't really impact um lifespan.
• 45:04
  SPEAKER_02: Okay.
• 45:04
  SPEAKER_02: I may need to go on chemo pills from age 60.
• 45:08
  SPEAKER_02: Okay, but I'm not worried, I'm healthy, I look after myself.
• 45:12
  SPEAKER_02: Yeah, don't really drink that much anymore.
• 45:14
  SPEAKER_02: Um student days are well until you over.
• 45:17
  SPEAKER_02: But I'm spreading awareness.
• 45:19
  SPEAKER_02: I'm mine channel, get your critical illness cover.
• 45:21
  SPEAKER_02: Your premiums will be a lot cheaper.
• 45:23
  SPEAKER_02: In fact, you won't get critical illness cover once you've been diagnosed with a cancer.
• 45:26
  SPEAKER_02: Right.
• 45:27
  SPEAKER_02: Get your life insurance because you'll be limited, and anything else that you need to sort, just get it.
• 45:33
  SPEAKER_02: So that's protection, retirement planning, which is a whole other board, you know, a minefield.
• 45:39
  SPEAKER_01: Um it is, it blows your mind, doesn't it?
• 45:42
  SPEAKER_01: Really does.
• 45:43
  SPEAKER_01: I saw something the other day that there's like one no 3.1 billion pounds in unclaimed retirement plans.
• 45:50
  SPEAKER_02: Yeah, that's right.
• 45:51
  SPEAKER_02: Yeah, that's the mix figures.
• 45:53
  SPEAKER_02: Yeah, it is.
• 45:54
  SPEAKER_02: It is I'm hoping one of those is mine.
• 45:57
  SPEAKER_02: We can track it.
• 45:58
  SPEAKER_02: Do you like and help support you with that?
• 46:02
  SPEAKER_02: Yeah, no, it's true though.
• 46:03
  SPEAKER_01: Yes, we lose track of these things.
• 46:06
  SPEAKER_02: Absolutely.
• 46:06
  SPEAKER_02: So there's ways that you can do it.
• 46:08
  SPEAKER_02: If you can it helps if you know your policy numbers, but for people that really, really don't know where their pension is, yeah.
• 46:14
  SPEAKER_02: There is a government website on gov.uk, yeah.
• 46:18
  SPEAKER_02: Uh track loss pension.
• 46:20
  SPEAKER_02: Oh, okay.
• 46:20
  SPEAKER_02: So I can send that link to you later if you want.
• 46:23
  SPEAKER_02: Yeah.
• 46:23
  SPEAKER_02: Um, and then you can trace one of my clients has just traced one of our old pensions.
• 46:28
  SPEAKER_02: Yeah.
• 46:28
  SPEAKER_02: And then, yeah, you can, yeah, you just it's a retirement planning is really just about seeing where you're gonna be.
• 46:34
  SPEAKER_02: Are you gonna be able to retire at the age that you want to?
• 46:38
  SPEAKER_02: Yeah.
• 46:38
  SPEAKER_02: And then to add on an extra service that I do, I do cash flow modelling.
• 46:43
  SPEAKER_02: Okay.
• 46:44
  SPEAKER_02: So I use this software to basically model out, and it's all colour coded and very graphic and visual.
• 46:51
  SPEAKER_02: Yeah.
• 46:52
  SPEAKER_02: And it really puts my blue to the test.
• 46:54
  SPEAKER_02: Oh, does it?
• 46:54
  SPEAKER_02: Yes, it does, but I do it.
• 46:57
  SPEAKER_02: Um, and I love presenting.
• 46:59
  SPEAKER_02: Thank you.
• 47:01
  SPEAKER_02: And um it's great because you can see, oh, sorry, you're gonna you actually can't afford to retire when you are because you don't have the money.
• 47:08
  SPEAKER_02: Or actually, Mr.
• 47:09
  SPEAKER_02: Client, you're in a really good position, you can't pay your mortgage off because you've got X, Y, and Z.
• 47:14
  SPEAKER_02: Yeah, so it's much more modelling.
• 47:17
  SPEAKER_02: Yeah, and then yeah, it's just about really like planning, yeah.
• 47:20
  SPEAKER_02: Yeah, um, I can't really say too much on the subject, you know.
• 47:24
  SPEAKER_02: We've got to follow certain guidelines of what I can and what I cannot say, but yeah, yeah.
• 47:28
  SPEAKER_01: No, that's cool.
• 47:29
  SPEAKER_01: I I totally get that because you work in such a regulated environment as well, don't you?
• 47:34
  SPEAKER_02: It is, it's and that's great.
• 47:35
  SPEAKER_02: It's good that they're they're on that and they're on top of that, and yeah, it's we're always being kind of like looked at and checked, which is which is good, I guess, from a compliance point of view.
• 47:47
  SPEAKER_02: Exactly.
• 47:47
  SPEAKER_02: So the other third thing is that we know as consumers we're safe, exactly.
• 47:52
  SPEAKER_02: Yeah, yeah.
• 47:53
  SPEAKER_02: The information that you've been given is correct.
• 47:55
  SPEAKER_02: Yeah.
• 47:55
  SPEAKER_02: So the third thing that I really touch on is like the the whole investment side, and that is basically just what what what it says it's investments.
• 48:04
  SPEAKER_02: So whether that's you know, stocks and shares ISA, anything like that, yeah.
• 48:08
  SPEAKER_02: It's about just kind of getting to it's a more of a holistic look rather than I don't really like going in and talking too much about the products, it's more about like getting to know someone, yes, their goals, and doing a sort of life plan.
• 48:22
  SPEAKER_02: Okay, because I think once you've got the life plan, everything else just slots in.
• 48:26
  SPEAKER_02: Okay, you know, I I'm kind of I never wanted to be like, oh, this product would look good on you or whatever.
• 48:32
  SPEAKER_02: It's more about where do you want to be in the next five to ten years?
• 48:36
  SPEAKER_02: Yeah.
• 48:36
  SPEAKER_02: Also, you want to buy a uh a villa in Spain, okay.
• 48:39
  SPEAKER_02: So how can we get there?
• 48:40
  SPEAKER_03: Right.
• 48:41
  SPEAKER_02: What's important to you?
• 48:42
  SPEAKER_02: Yeah, and then building that relationship with the client because I'm seeing this as a long-term thing.
• 48:46
  SPEAKER_02: Yeah, the clients have my youngest client, is 21.
• 48:50
  SPEAKER_02: Wow, yeah, and she's so amazing.
• 48:53
  SPEAKER_02: Incredible, she's just incredible.
• 48:55
  SPEAKER_02: She's gonna actually go to university and study marine something, biology, something like that.
• 49:01
  SPEAKER_02: Yeah, the fact that she's thinking about her planning so early.
• 49:04
  SPEAKER_02: I just looked at her and I was like in awe.
• 49:05
  SPEAKER_02: I was like, You are just that's incredible, yeah.
• 49:08
  SPEAKER_02: So it's a lifelong relationship, yeah.
• 49:11
  SPEAKER_02: Yeah, that is a lifelong relationship, then yeah, yeah, exactly.
• 49:15
  SPEAKER_01: And also it'd be so nice to watch her grow.
• 49:17
  SPEAKER_02: Yeah, absolutely.
• 49:19
  SPEAKER_02: That's what I often say to her.
• 49:20
  SPEAKER_02: I just say, like, I'm so I feel so privileged that I get to see you at such a young age, and I know you're gonna be successful, and I get to watch that.
• 49:30
  SPEAKER_02: Yeah, if she's thinking like that at 21.
• 49:32
  SPEAKER_01: Oh god, she is, yeah, yeah, she she is.
• 49:35
  SPEAKER_01: That's incredible.
• 49:36
  SPEAKER_01: This is just stunning, isn't it?
• 49:37
  SPEAKER_01: It is, it's just so nice to be outside.
• 49:40
  SPEAKER_01: I definitely need to bring the boys here, yeah.
• 49:43
  SPEAKER_01: Have a good little run around.
• 49:45
  SPEAKER_01: Yeah, I think they do lots of different activities.
• 49:48
  SPEAKER_01: I'm sure they'll be doing something for Halloween.
• 49:50
  SPEAKER_02: Yeah, there's there's lots, there's lots that you can talk about, but really the main thing that I like to do is just sit down and get to know my client, yeah, thoroughly, yeah, and then also just be available for them to call me, get in touch with me, yeah, just not be afraid to approach me, because I think that's really important as well, especially with finances, yeah, and then figure out what what is the best advice for them going forward, yeah.
• 50:18
  SPEAKER_01: It's completely tailored, it's not like a boilerplate.
• 50:22
  SPEAKER_01: Yes, I've got three packages, which one are we gonna slot you into?
• 50:26
  SPEAKER_02: Exactly.
• 50:27
  SPEAKER_02: It's not that at all, and if something's not right for someone, I will say it.
• 50:31
  SPEAKER_02: Not that's not right for you.
• 50:32
  SPEAKER_02: Yeah, I think integrity and honesty is really how you you grow forward and you build that trust as well.
• 50:40
  SPEAKER_02: Yeah, and I've already had like a few referrals come through as well.
• 50:43
  SPEAKER_02: So that's great.
• 50:45
  SPEAKER_02: Yeah, thank you.
• 50:47
  SPEAKER_01: Not even a year in business.
• 50:48
  SPEAKER_01: I know, I know multi-award of nomination, soon to be winner, I'm sure, there's no doubt.
• 50:55
  SPEAKER_02: Oh, no pressure.
• 50:57
  SPEAKER_01: That's amazing.
• 50:59
  SPEAKER_02: Yeah, thank you.
• 51:00
  SPEAKER_02: And it's people like you though that have made this amazing, like yeah, these kinds of things are given the opportunity to do this podcast.
• 51:07
  SPEAKER_02: Um honestly sort of grateful.
• 51:09
  SPEAKER_01: Oh, I'm grateful that you're here and that we're able to sort of tell people how important this is.
• 51:16
  SPEAKER_01: It's so important, yeah.
• 51:18
  SPEAKER_01: It's just it's it's just crucial, and I think you know, the woman's story is so important to me because obviously it's the one I identify with the most, yes, and have lived experienced of, and it's I'm so passionate about it as well.
• 51:32
  SPEAKER_01: So another reason I was like super keen to talk to you.
• 51:36
  SPEAKER_01: Thank you.
• 51:37
  SPEAKER_01: Help people know that actually it's not scary, it's not, yeah.
• 51:42
  SPEAKER_02: We're a growing minority, aren't we?
• 51:44
  SPEAKER_02: Yeah, and it's like there isn't actually that many financial advisors that are women as well.
• 51:49
  SPEAKER_02: So that in itself is a minority, yeah, absolutely.
• 51:53
  SPEAKER_01: You had to be in it to be seen.
• 51:55
  SPEAKER_01: You need to see yourself in someone, don't you, to think I could do that.
• 51:59
  SPEAKER_02: Exactly, and I think that's why majority of my clients are female because they feel like they can relate to me, yeah.
• 52:08
  SPEAKER_02: Um, and especially because I've got all the whole I've been divorced, you know, I've got two kids, yeah.
• 52:14
  SPEAKER_02: And I think that they a lot of my clients do connect with me on that level, whereas having gone through that, yeah, it might not have been the same outcome.
• 52:22
  SPEAKER_01: No, and also you I do get a sense from you, and you've already said it anyway, but I I feel it as well that you're not just looking at oh, I'm looking at you as a potential client and I'm gonna make money as someone who's selling services, you're very much thinking about that person.
• 52:40
  SPEAKER_02: Absolutely.
• 52:41
  SPEAKER_02: I I honestly couldn't be like that, and I think that's why I was never really good in at read.co.uk.
• 52:46
  SPEAKER_02: Right, because you've been you're just selling, aren't you?
• 52:48
  SPEAKER_02: I was just selling and I didn't do too great.
• 52:51
  SPEAKER_02: Yeah, I was partying a lot as well, like I had.
• 52:53
  SPEAKER_02: But it was at the end of the year, and I did do really well in my final month and managed to get a few big companies on board.
• 52:59
  SPEAKER_02: I don't know if that was just a fluke or whatever, but I found it really hard because that was just cold selling, yeah, you know.
• 53:05
  SPEAKER_02: Um not really cold calling because it was business to business, yeah, but it was it was tough.
• 53:10
  SPEAKER_02: That that's just not me.
• 53:11
  SPEAKER_02: I'm so I'm kind of too extroverted for that.
• 53:15
  SPEAKER_02: Yeah, I think I'm just a bit of a kind of like I there's a there's a fun element to things I do.
• 53:21
  SPEAKER_02: I like to have fun with things, and I think if you're just going in there going, right, I'm gonna get you, I'm gonna get you, yeah, yeah.
• 53:27
  SPEAKER_01: Just it would just feel so wrong.
• 53:30
  SPEAKER_01: And I like that you said that because actually a lot of people, including me, as soon as you hear retirement planning investments, you switch off, you think, Oh my god, yeah, boring I suddenly need a nap.
• 53:46
  SPEAKER_01: So yeah, it's really good that you're kind of bringing it to life and you're putting injecting new energy into it.
• 53:52
  SPEAKER_01: Thank you.
• 53:53
  SPEAKER_02: Yeah, I think that's what I try to do is bring the sass to oh you totally do that, to advice.
• 54:00
  SPEAKER_02: Like this is a you know, redefining.
• 54:03
  SPEAKER_02: Sorry, I can go off gone no, no, you finish your life.
• 54:06
  SPEAKER_02: I'm like almost like redefining what advice looks like.
• 54:09
  SPEAKER_02: It doesn't have to be stuffy suits, yeah, and you know, smart shoes, it can just be actually let's look at what what works best for you and do it in a way that we feel comfortable doing.
• 54:20
  SPEAKER_01: Relatable.
• 54:21
  SPEAKER_01: Yeah.
• 54:21
  SPEAKER_01: I was gonna say on the SAS note, that's what I was gonna interrupt you on.
• 54:25
  SPEAKER_01: Was despite having been through the rain, your hair still looks amazing.
• 54:29
  SPEAKER_01: What does it?
• 54:29
  SPEAKER_01: I was wondering for me anyway, but when you look at it, it might not be standards.
• 54:34
  SPEAKER_01: I am a perfectionist.
• 54:36
  SPEAKER_01: But for me, I'm just like, oh my god, I don't even want to look at a reflection right now.
• 54:40
  SPEAKER_01: No, you look incredible.
• 54:41
  SPEAKER_01: You do always do.
• 54:43
  SPEAKER_01: You sort of stylish.
• 54:44
  SPEAKER_01: Thank you.
• 54:45
  SPEAKER_01: I love a little mutual appreciation moment.
• 54:47
  SPEAKER_01: Oh no, I love that.
• 54:48
  SPEAKER_01: We have to do this, love it.
• 54:49
  SPEAKER_02: Yeah, we have to hold each other up, it's really nice.
• 54:53
  SPEAKER_02: I um I'm still gonna um go over my hair with the dice, and I think I mean I'm gonna be on the screen in Japan.
• 55:03
  SPEAKER_02: You're gonna be in a documentary.
• 55:05
  SPEAKER_02: I know, I know, I just can't believe it.
• 55:07
  SPEAKER_02: Like, I just I'm with a famous person.
• 55:11
  SPEAKER_02: We wouldn't go that far yet.
• 55:12
  SPEAKER_02: Yes, yes, it's the word.
• 55:15
  SPEAKER_02: No, it's honestly, it's like I was actually doing some work in the office yesterday, and I was speaking to my boyfriend who came in from work, and I was like, Oh, tomorrow's a big day for me tomorrow.
• 55:24
  SPEAKER_02: I've got podcasting the morning and then film and documentary, and he was like, Okay, how do you how do you feel about that?
• 55:30
  SPEAKER_02: And I was like, honestly, I think I'm having a hard time.
• 55:34
  SPEAKER_02: Honestly, I'm like I don't know if it's excitement or fear or overwhelm.
• 55:38
  SPEAKER_02: Yeah, and he was like, You'll be fine, smash it, bab, smash it.
• 55:42
  SPEAKER_02: Like, he's just mega chill.
• 55:43
  SPEAKER_02: I call him my bomb diffuser because he could diffuse any situation.
• 55:48
  SPEAKER_01: And you have been fine, it's been amazing, really good chat.
• 55:51
  SPEAKER_01: Yeah, it's been amazing.
• 55:52
  SPEAKER_01: So before we close our chat, then look at these colours, they're just stunning.
• 55:55
  SPEAKER_01: It's one of my most famous times of year.
• 55:58
  SPEAKER_01: It's so nice, isn't it?
• 55:59
  SPEAKER_01: If there's one thing people can do today on their finances, what would it be?
• 56:03
  SPEAKER_02: As tough as it might sound, get things in order, whether that's your health, your mindset, or your actual finances, start with one of the things because it's normally one thing that one of those things that's holding you back.
• 56:19
  SPEAKER_02: If your health, your mindset's not there, you're not going to be focusing on your finances.
• 56:24
  SPEAKER_02: Try and fix one of those things, slowly work on you as a whole and bring together everything that you have if you've got debt or if you really just don't know where to start.
• 56:34
  SPEAKER_02: Obviously, get financial advice if you really feel out of death, get some get some financial advice from a regulated advisor and just small steps, start small.
• 56:45
  SPEAKER_02: We we always say first and foremost, get your protection because your protection is like your baseline, okay, you know, and then obviously you work on clearing your debt, yeah, and then you then can start thinking about investments, so it's kind of like if you think about it as a lay, yeah, like a ladder, exactly, like a ladder, yeah, yeah.
• 57:07
  SPEAKER_02: So it's hard to say, it's really hard to answer that question without knowing certain specifics, yes, yeah.
• 57:14
  SPEAKER_02: But from my experience from being rock bottom in 2021 to building and growing to where I am right now, it all started really with my mind, yeah, mindset.
• 57:28
  SPEAKER_02: I know there's more out for me, I want more, I want my kids to have more.
• 57:32
  SPEAKER_02: Think what you want, yeah, connect with your life plan and your purpose, and then the rest will come.
• 57:39
  SPEAKER_02: Yeah, and that is how I do my financial planning.
• 57:41
  SPEAKER_02: I don't love that.
• 57:42
  SPEAKER_02: I don't go in there even with a with a figure amount.
• 57:46
  SPEAKER_02: What do you want?
• 57:48
  SPEAKER_02: Don't worry about the money, what do you want?
• 57:49
  SPEAKER_02: Oh, I want that car.
• 57:50
  SPEAKER_02: Okay, well, then how much does it cost?
• 57:53
  SPEAKER_02: It's like you connect with the goal, you're more likely to succeed.
• 57:56
  SPEAKER_01: Yeah, yeah, I love that.
• 57:58
  SPEAKER_01: And actually, I wanted to say this to you before, and I totally forgot.
• 58:03
  SPEAKER_01: But one of the things that I have in the past fallen into the trap of, and this is to do with what you were saying, you know, like get your protection and then sort out debts, etc.
• 58:14
  SPEAKER_01: I'm a sucker for subscriptions, they are so easy to sign up to on your phone.
• 58:21
  SPEAKER_01: And I now have enough toilet paper to service Windermere, like cancel the subscription.
• 58:30
  SPEAKER_01: It is the leak in my bucket.
• 58:32
  SPEAKER_01: Really?
• 58:33
  SPEAKER_01: Okay.
• 58:34
  SPEAKER_01: So I've cancelled everything now, so because I was just like, where am I going with this?
• 58:38
  SPEAKER_01: I just can't remember them.
• 58:40
  SPEAKER_02: And that's kind of how they get to you, really.
• 58:43
  SPEAKER_02: They hide or they give you like a three-day free trial and then you forget to cancel it.
• 58:47
  SPEAKER_03: Yes, yeah, definitely.
• 58:48
  SPEAKER_02: Because you set the reminder, like I'm I'm yeah, so that was my thing.
• 58:52
  SPEAKER_02: Was so with that one, what I do, I'm quite naughty, really.
• 58:56
  SPEAKER_02: I'll if I need to use, like, say, an app or I need something, I will sign up to it.
• 59:00
  SPEAKER_02: And actually, it's okay to cancel before the free trial.
• 59:03
  SPEAKER_02: Yeah, exactly.
• 59:03
  SPEAKER_02: That's what it's there for.
• 59:04
  SPEAKER_02: Yeah, you just have to remember.
• 59:06
  SPEAKER_02: Well, I cancel straight away.
• 59:07
  SPEAKER_02: Oh, do you because I've worked out that a lot of them still continue the offer, they just they get you with you think that you can only cancel just before, but if you cancel straight away, you still get the benefits of the trial on most, and you do tend to go back to that brand.
• 59:21
  SPEAKER_02: Like I will still go back to the brand.
• 59:24
  SPEAKER_02: You can streamline everything, yeah.
• 59:26
  SPEAKER_02: There are systems out there.
• 59:27
  SPEAKER_02: Oh, are there?
• 59:28
  SPEAKER_02: So, for example, if you bank with Mon, I mean I bank with Monzo, and I know you can connect your other bank accounts to like Monzo.
• 59:35
  SPEAKER_02: Do you know what I mean?
• 59:36
  SPEAKER_02: So you can streamline a lot of your things.
• 59:38
  SPEAKER_02: You can do so much, like you can have different pots, yeah, you know, one for your bills, one for your saving, and one for your daily spending.
• 59:44
  SPEAKER_02: That's a good idea, really good idea to do that because your brain automatically thinks that what's in the account is spendable.
• 59:51
  SPEAKER_02: Yes, and that is psychologically proven.
• 59:54
  SPEAKER_02: Yeah, that's a really good tick.
• 59:58
  SPEAKER_01: Yeah, I like that.
• 59:59
  SPEAKER_02: Yeah, I think it's just like I say, just get on it, be on it.
• 1:00:03
  SPEAKER_02: Do you think before you spend?
• 1:00:05
  SPEAKER_01: And that sounds so standard.
• 1:00:10
  SPEAKER_02: Do you really need this?
• 1:00:11
  SPEAKER_02: I mean, I'm really bad for going on vintage and thinking and almost pressing bye.
• 1:00:15
  SPEAKER_02: Yeah, and I've done that a few times and it's came and it doesn't fit, or I don't like it.
• 1:00:21
  SPEAKER_02: And it's like, do I really need the new IDS trainers?
• 1:00:24
  SPEAKER_01: Or the Versace dressing gown for someone that never wears one.
• 1:00:29
  SPEAKER_02: Yeah, really, is that my wardrobe because now it's it's a guilt thing.
• 1:00:35
  SPEAKER_02: That's another thing.
• 1:00:36
  SPEAKER_02: I go on vintage and I buy clothes that are never gonna fit me because they're regular, so yeah, less and learn.
• 1:00:42
  SPEAKER_01: Less and then so on that note, I do actually have to send a vintage parcel today.
• 1:00:47
  SPEAKER_01: So I'm recovering my 70 pounds.
• 1:00:50
  SPEAKER_01: Good, and and how good does that feel?
• 1:00:52
  SPEAKER_02: Yeah, amazing from a psychological point of view.
• 1:00:54
  SPEAKER_02: Amazing when you want because you're on track, yes, you're on top of your money, you're you're you're bringing in money, you're not sending it to that whole thing of can you afford it?
• 1:01:04
  SPEAKER_02: You know, and and I don't know your finances in and out.
• 1:01:08
  SPEAKER_02: You probably you maybe can, but yeah for me, anyways, on my journey when I was not earning, had two miles to feed, yeah, everything was so tight, and that really taught me how to save.
• 1:01:19
  SPEAKER_02: Yeah, taught me how to be super strict, yeah.
• 1:01:22
  SPEAKER_02: Cut down Spotify was gone, you know.
• 1:01:25
  SPEAKER_01: I mean, I've got it back now, but I love Spotify, but you just no, but you have to you have to make those choices, don't you?
• 1:01:32
  SPEAKER_01: Yeah, well, thank you, Nadia.
• 1:01:33
  SPEAKER_01: That was incredible.
• 1:01:35
  SPEAKER_01: Oh, thank you.
• 1:01:36
  SPEAKER_01: I really enjoyed it.
• 1:01:37
  SPEAKER_01: Good, me too.
• 1:01:38
  SPEAKER_01: I really enjoyed it, and then good luck with your documentary.
• 1:01:41
  SPEAKER_01: Oh, thank you so much.
• 1:01:43
  SPEAKER_02: Thanks for having me.
• 1:01:44
  SPEAKER_02: You're welcome.
• 1:01:49
  SPEAKER_01: And that was Nadia Enber walking with me outside the castle in the rain, giving absolutely everything.
• 1:01:58
  SPEAKER_01: Nadia, thank you so much for your time, for your story, for your energy, and for pushing through as that rain just got heavier.
• 1:02:08
  SPEAKER_01: Did you notice how Nadia never once framed her life as a series of setbacks?
• 1:02:14
  SPEAKER_01: She framed it as a series of decisions, each one building on the last one.
• 1:02:19
  SPEAKER_01: Each one, even the painful ones, pointing her somewhere.
• 1:02:23
  SPEAKER_01: And I think there's something really important in that so many of us are sitting with a version of our lives that didn't go to plan, wondering if we've left it too late to change direction.
• 1:02:36
  SPEAKER_01: Now just answer to that without ever saying it directly is you haven't.
• 1:02:42
  SPEAKER_01: You really haven't.
• 1:02:44
  SPEAKER_01: She also reminds me that money is not a cold, complicated someone else's problem.
• 1:02:52
  SPEAKER_01: It's deeply, intimately connected to how free we feel, how safe we feel, how much choice we have, and most of us were never taught that.
• 1:03:04
  SPEAKER_01: We were never given the language for it.
• 1:03:07
  SPEAKER_01: So if this episode made you feel slightly less alone in that, or slightly more motivated to do something about it, then it did its job.
• 1:03:18
  SPEAKER_01: Before I let you go, I want to leave you with a few questions to carry with you on your next walk.
• 1:03:24
  SPEAKER_01: Or your commute or wherever you are right now.
• 1:03:28
  SPEAKER_01: What does financial safety actually look like for you in your everyday life?
• 1:03:35
  SPEAKER_01: Is there a conversation about money you've been avoiding with yourself or with someone else?
• 1:03:40
  SPEAKER_01: And what would it take to have that conversation?
• 1:03:45
  SPEAKER_01: When did you last connect with what you actually want, as opposed to what you think you should want?
• 1:03:52
  SPEAKER_01: But what genuinely lights you up?
• 1:03:57
  SPEAKER_01: And what is the one small step that you could take this week to feel more in control of your future?
• 1:04:04
  SPEAKER_01: You don't have to answer all four, but just sit with them, let it walk around with you for a bit, and that's a good starting point.
• 1:04:14
  SPEAKER_01: If this episode moved you or made you think, please leave a review.
• 1:04:18
  SPEAKER_01: It takes two minutes and it means everything.
• 1:04:21
  SPEAKER_01: It's how people find us, and it's how in our story we tell the people who might need it most today.
• 1:04:29
  SPEAKER_01: A huge heartfelt thank you to Persimmon, our incredible music partner on this season, for the soundtrack that holds our walks together and keeps our toes tapping.
• 1:04:42
  SPEAKER_01: Until next time, keep moving, keep choosing, keep going.
• 1:04:47
  SPEAKER_01: Because the floor is not where your story ends.