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RTC146: What we've learned in 2024. · The Curve

0:00
Welcome to Raising the Curve, a podcast designed to teach you everything that you need to know to be better with your money.
0:06
Come and learn alongside me, Sophie Hallwright, a total beginner from the finance expert Victoria Harris.
0:12
So I've asked all of the questions you wish you could so that finance, investing and growing your wealth actually makes sense.
0:18
Yes, it's expert education but with promise will not be boring and in the wise words of sheer...
0:22
My mom said to me, you know sweetheart, one day you should settle down and marry a rich man.
0:28
My mom, I am a rich man.
0:30
Come and talk and learn and laugh with us because together we really can raise the curve.
0:36
This has become a tradition of now the second year.
0:40
In the last two years.
0:42
It started a true tradition.
0:44
Have we done it two years ago?
0:46
No, this is our second.
0:48
Oh yeah, yeah.
0:50
But last year we had some really good feedback.
0:52
We did a similar episode last year on things that we've learnt.
0:56
Financially, personally, from a business perspective.
1:00
Kind of like a big old dump of learnings.
1:04
Yeah, going to wind back to the beginning of the year.
1:06
Seems like ten years ago.
1:10
I had to look for a photo on my phone and to kind of even remember physically where I was at different parts of the year.
1:18
It's been a year.
1:20
Hasn't it?
1:22
No, we don't.
1:24
This particular has been absolutely enormous.
1:28
I've only been in the curve full time.
1:30
This was my first full year.
1:32
That's quite crazy to think about.
1:34
It's like my fourth.
1:36
I was speaking to a woman last night.
1:38
My fourth or my third?
1:40
Your third.
1:42
Full time. You started two years for me.
1:44
Yeah.
1:46
Three years.
1:48
That took you a long time to be in a job.
1:50
Yeah.
1:52
I was speaking to a lady last night.
1:54
She was on her 11th start-up.
1:56
I was like, are you crazy?
1:58
You just, yeah, I'm like, well, you must...
2:00
Did she exit it?
2:02
What was the, were they all successful?
2:04
Oh, I lived it.
2:06
Gosh, and then it reminded me of another conversation I had with a lady last week.
2:10
Knowing what you know now, would you do it all over again?
2:14
Did she ask you that?
2:16
Yeah.
2:18
And I, she's like, but if you couldn't change anything.
2:20
Oh.
2:22
Would you do it again?
2:24
She's like, I wouldn't.
2:26
If I had known what I was about to bite off,
2:28
she's like, I wouldn't have done it.
2:30
Interesting.
2:32
Yeah, and it made me think about it for a second.
2:34
I was like, I would.
2:36
That's surprisingly...
2:38
Thank God.
2:40
Because otherwise, we've at die, wouldn't it?
2:42
No, but you could be like, you'd have to do it exactly the same.
2:44
Oh.
2:46
There's very few things
2:48
that I think I would say no to the answer to that.
2:50
Yeah, true.
2:52
I think most things, you come out with things you've learnt
2:54
or how you've grown as a person or...
2:56
Oh, gosh, that's such a good thing to think about, isn't it?
2:58
I mean, I think I'd be very frustrated with myself
3:02
if I was going through the same thing again
3:04
and I couldn't change it.
3:06
I know. But I had my current brain.
3:08
Yeah, yeah.
3:10
Because I'd see myself doing like...
3:12
Oh, that's good.
3:14
I don't go in the door by myself.
3:16
Yeah, it's like...
3:18
But I would definitely do it again, I think.
3:22
But also, weirdly for me,
3:24
the last every year,
3:26
like if we've had three years
3:28
of maybe in full time in the curve,
3:30
that every year has been unbelievably different.
3:33
And my ball has been so different.
3:35
Which makes me think us doing this next year.
3:38
Where will we be?
3:40
Well, we'll be on the north pole.
3:42
And would we be...
3:44
I know we'll have a few more grey hairs and etc.
3:46
But if you're more wrinkles...
3:48
But what will be on our list of things we've achieved?
3:50
Yeah.
3:52
Because I had an interesting exercise to write down.
3:54
What do we want to achieve by the end of next year?
3:56
Like almost doing this but in advance.
3:58
Oh, that's quite fun.
4:00
Sorry, okay, back on track.
4:02
So the way this episode is going to work,
4:04
we're going to do like an overarching gear review.
4:06
So like...
4:08
And this can be...
4:10
Finance as personal.
4:12
Then we're going to move into
4:14
money and business lessons we learnt this year.
4:16
A few of those age.
4:18
And then we're going to do
4:20
financial personal business goals for next year.
4:24
Maybe before we get into it,
4:26
let's just do a year that's been
4:28
across the financial world,
4:30
stock market, etc.
4:32
And then we can get into more of like the personal learnings.
4:34
Yes. Well,
4:36
there has been so many things,
4:38
so many different shakeups that we've had
4:40
across the world.
4:42
We have come out of
4:44
this cost of living crisis.
4:46
Well, I don't even think we have a thing.
4:48
I see a lot of sort of have though.
4:50
It's kind of died down.
4:52
Or maybe we just used to the new expensive life we have.
4:54
That's the thing. It's not like prices have gone back to where they were.
4:56
Just everyone's just kind of lying.
4:58
Stop lying.
5:00
We've had ongoing wars across the world.
5:04
Which leads to uncertainty and turmoil
5:08
and humanitarian issues as well.
5:10
We've had a new slightly scary
5:14
president in the US.
5:16
Which I honestly,
5:18
if that's probably one takeaway this year,
5:20
I never thought I'd be sitting here saying
5:22
that Donald Trump is the president
5:24
of the United States again.
5:26
No. And I'm just like that goodness.
5:28
Not to make this a political
5:30
podcast, but this is this
5:32
last and final term you can ever do.
5:34
I think that's genius.
5:36
That you can only go in twice.
5:38
It sucks when it's someone
5:40
that you really think is amazing.
5:42
I mean, I again, not to
5:44
listen to a political podcast,
5:46
but you know, if Obama had done through
5:48
it, I'd have been like, of course, go for it.
5:50
But the thought of someone being able
5:52
to stay in forever,
5:54
imagine if it was Donald Trump.
5:56
That's like a dictatorship.
5:58
We've seen some crazy returns
6:00
in certain stocks,
6:02
mainly off the back of AI.
6:04
Like, Nvidia.
6:06
I reckon 12 months ago.
6:08
I didn't even know what that was.
6:10
I remember the first time you said it.
6:12
And I was like, oh, what a stupid
6:14
name for it, doesn't it?
6:16
Yeah. Yeah.
6:18
And it's felt so confusing.
6:20
And I just remember like, why are we talking about this?
6:24
We've also had Bitcoin.
6:26
You know, Bitcoin has made
6:28
the dark too.
6:30
Yeah, that's just gone absolute bananas
6:32
as well.
6:34
And, you know, a year ago,
6:36
we weren't even talking about it because we wasn't doing anything.
6:38
Can I just ask, you know the phrase,
6:40
it's gone bananas?
6:42
Is there like a time in which
6:44
bananas all of a sudden sprouted
6:46
and it was amazing? Like, why is
6:48
it gone bananas?
6:50
Does that mean
6:52
crazy wild? You know, maybe they sprouted
6:54
out of nowhere one day.
6:56
It's like going, going ape shit.
6:58
Primates eating bananas.
7:00
Yeah.
7:02
Oh, like all of a sudden, oh, eating bananas.
7:04
Yeah, yeah, yeah, yeah.
7:06
It's like the thing that they inhale quickly.
7:08
Yeah, yeah, yeah.
7:10
It's so excited about eating that.
7:12
It's kind of what that makes it.
7:14
We move on. We move on.
7:16
We get onto the good stuff which is our own personal years and review.
7:18
Do you want to repeat this?
7:20
I reckon you start.
7:22
Okay.
7:24
Yeah, of many firsts.
7:26
Like lots of things I've done for the first time.
7:28
I sometimes talk about being
7:30
like a later doctor with things.
7:32
Whether it's technology or doing something.
7:34
I find doing things for the first time.
7:36
Like learning how to do it kind of difficult.
7:38
But once I've done it,
7:40
I'm quite a kinesthetic learner.
7:42
You know, like, it's not scary for me the second time.
7:44
Yeah. The first time I sometimes find it.
7:46
But like, I'll avoid avoid until I have to do it.
7:48
But yeah, like, then to lots of new places
7:50
around the world, I like,
7:52
I mean, moved to the UK for the first time.
7:56
Which is like the first big overseas move I've ever done.
7:58
Australia, I feel like almost doesn't count.
8:00
No, I remember when I walked through the airport
8:02
to like move to Australia
8:04
and I handed over my immigration card.
8:06
Yeah. And it was like, finally I could
8:08
like, permanently immigrating.
8:10
And they were just like, next.
8:12
I was like, where are the balloons?
8:14
There's no one celebrating this.
8:16
I'm probably like the millionth kiwi that's moved to Australia.
8:18
Um, we employed staff for the first time in fact.
8:22
But we even have staff members.
8:24
I'm like, wow, like how bizarre.
8:26
Like, we get bosses. I know, it's so strange.
8:28
I'm going to be kind of like,
8:30
So, where's my boss?
8:32
I know, I find it coming. To be honest, I'd love to have a boss.
8:34
Yeah. I quite like, like, I love that we're doing a lot in thing.
8:38
But I do think you learn a lot from bosses.
8:40
Yeah. Yeah. Yeah. Yeah.
8:42
People above you. Yeah.
8:44
Rather than just learning from mistakes, you know.
8:46
It's a fan. It's quite nice to be like.
8:48
It's like a parent. What should I do?
8:50
Yeah, yeah, yeah.
8:52
Like, looking around just absolutely no one to be saying.
8:54
I think that I've been in the same place physically
8:58
for the first time in a long time in terms of like,
9:00
lived in the same house.
9:02
I often, and I find it, now I realise how unsettling it is for me to move around.
9:08
Yeah. And what it's made me actually realise
9:10
leading this into finances is actually, I think for a long time,
9:14
like, if I was going to be away for a couple of months,
9:16
I would move out of my flat because that's a waste of money.
9:18
It's been money on rent if I'm not there.
9:20
You know, things like that.
9:22
Like, I would really had quite a scarcity mindset around money
9:26
and the first big expense that I sort of always
9:28
or I could let go of was the idea of paying rent.
9:32
And I often would like jump from place to place to save money.
9:36
I thought you liked that.
9:38
No, I hate it. I thought you were like,
9:40
liked with like, no medic.
9:42
Kind of. Well, I thought I did.
9:44
And then I went to this talk.
9:46
It was like a dolly eldest and one a few months ago.
9:48
And she talked about, I can't remember how she put it.
9:52
But she sort of likes to think of herself as the like, you know,
9:56
so throw a caution to the one.
9:58
But then you actually almost realise that you quite like
10:00
traditions, stability and all those things.
10:02
And I think for me, that's been a realisation of prioritising a stable home
10:06
and putting like, my money towards that has been like a big thing.
10:10
Yeah, business like the fact that we've got investors money that we're now using
10:14
and sort of spending within our business is like such a weird concept to me and something.
10:20
But the big learning for me with that has been really understanding actually
10:24
just investing fundamentally across, like actual for me investing in other people's businesses.
10:28
Whether it's just a tiny, tiny, tiny shareholder, like investing in the stock market
10:34
or like what it means to angel invest invests in other people's companies.
10:38
And it's just given me way more context as to how business does actually work
10:42
because I've seen such an inside microscope version of that for the curve.
10:48
That makes sense. I've put a budget in place for the first time ever.
10:51
Can we do the bill at point above third?
10:54
I've learnt how to read a P and L.
10:56
A P and L?
10:58
What does it mean to me?
10:59
P and L.
11:00
Is it meant to be profit and loss?
11:02
Is it P and L?
11:03
No, P and L.
11:06
She's got written down here.
11:07
P and L.
11:08
Learned how to read a P and L.
11:10
I also was a P and L.
11:12
Like profit and loss.
11:14
Okay, well I've learned how to read a profit and loss.
11:17
What's a penal?
11:19
And I've also paid off my student loans.
11:22
That's amazing.
11:23
For the first time ever I'm debt free.
11:26
Gosh, I remember like coming out of university with that amount of money and just thinking.
11:30
How am I going to pay that down?
11:32
I just thought I was going to, that would be my whole entire life paying it off.
11:36
I mean, I was lucky because my mind was like under 50,000 New Zealand.
11:41
So like 25,000 pounds.
11:42
And some people, if you go and become a pilot, it's like over 100 grand New Zealand.
11:46
So my mind wasn't super huge.
11:48
But for me like is someone that opted out of my Kiwi saver or pension, whatever.
11:53
For years at the start of my career, I wasn't chipping away and paying that off through my salary.
11:59
Which was just like, I regret so much.
12:01
But yeah, so now I've put big lump sums.
12:04
I've saved up and like put it towards that and paid it off, which is a really nice feeling.
12:08
Because one of the things I think that a lot of people don't realise is when you stay in New Zealand,
12:14
your student loan is debt free.
12:16
Like you don't have, sorry, not debt free is interest free.
12:18
But as soon as you overseas after like six months or something, you suck at any interest.
12:22
So yeah, for me like having moved over here, I'm really proud of myself for doing that.
12:27
Nice.
12:28
I mean, I just so many, I don't want to be boring.
12:30
I've got so many others.
12:31
No, these are great.
12:32
Those were kind of some big things for me.
12:34
What about you?
12:35
Yeah, I think for me work wise.
12:38
Obviously very similar.
12:39
Because we work together.
12:40
You'd be worried if they're different.
12:42
But yeah, I don't think that we can skimp us like the fact that we have moved the business to the UK,
12:50
moved ourselves to the UK, raised money, got our own office, got staff, launched a new product.
12:57
Yeah, all in one year.
12:59
And I was thinking back, I was like, why is startup life so on fast forward?
13:04
You know, like for any business doing one of those things a year is massive.
13:09
But we're like, no, we're going to overachievers.
13:11
And we're going to do like 10, which is a discussion for another time.
13:15
Yeah, it was just like, wow.
13:17
Yeah, it's taking a moment to be like, whoa, we're really growing up as well.
13:22
You know what I mean?
13:23
Yeah, it's been us too for so long.
13:25
And now having staff in particular is just a real sign of growing up.
13:31
I also think it actually is.
13:33
Yeah, sorry, I'm not trying to take it up here.
13:35
No, no, sorry.
13:36
Just add to the work stuff.
13:37
I think, you know, also being responsible for other people's income is a totally new thing.
13:43
Because it's not just you and I that we have to worry about with anything.
13:48
And whether that's like the way that we work to the plans we put in place like everything
13:53
is all of a sudden factoring in other people, which has been a real learning for both of us.
13:58
Yeah, yeah.
13:59
And it's like there's an element of...
14:02
Was pressure.
14:03
Yeah, it's an armature.
14:04
It's an armature pressure.
14:05
But also your actions can really impact someone else's life.
14:10
But if you make the wrong decision, I don't know.
14:14
Yeah, you know.
14:15
And always, in the way you shop to work from like a culture perspective,
14:19
the way even just small things like you planning a winter wonderland for Christmas,
14:24
a Christmas party, which if you didn't hear about in the curve weekly,
14:27
actually going to be quite fun.
14:29
All the things that normally are behind closed doors that someone else takes care of,
14:34
we're now doing.
14:35
Yes, yeah.
14:36
Which is kind of weird.
14:37
Yeah.
14:38
And it actually made me think back to my old jobs when I would just assume that I get paid.
14:44
Yeah, you don't think about that.
14:45
I never think that there's actually like people making those decisions.
14:48
And if they make the wrong decisions, then I might not get paid.
14:51
But also that someone's actually pressing a button that the money goes into your account.
14:55
Like it's just this whole automatic thing you kind of don't think about.
14:58
Yeah.
14:59
You know, like the fact that there's...
15:00
Because when you're in a big corporate,
15:02
even the idea of it's so like clockwork,
15:05
you just don't even think about that stuff.
15:07
Yeah.
15:08
And I think that kind of flows into my finance one is the instability.
15:13
Not instability is probably the wrong word.
15:15
But the...
15:16
Yeah.
15:17
No instability.
15:18
I think it is the instability.
15:19
And the need for safety nets, emergency funds, kind of backup savings,
15:25
that kind of thing.
15:26
Because I think working for a big corporate,
15:29
even though it might not seem like you could wake up one day and not get paid.
15:34
But it doesn't seem like that.
15:35
So therefore there's that that stress is relieved.
15:38
Whereas in startup life, things change so quickly.
15:42
Positively and negatively that there's more...
15:45
There's more...
15:46
There's an increased need for like a financial buffer or emergency funds.
15:49
Yeah.
15:50
In my opinion.
15:51
I actually also think though it does give you more of a realization as well
15:57
for the fact that unless you are in control of your own work,
16:03
of your own business and your own money that's coming into your bank account,
16:09
the very fragile nature.
16:11
And I mean like in any business when you're working for someone else,
16:15
you are quite reliant your whole life that you build,
16:19
the loans you take out that you need to repay.
16:21
I'm relying on a business that you kind of don't often have much control over.
16:26
Yeah.
16:27
Being able to pay you.
16:28
It's just such a weird concept of like how much...
16:31
Yeah, I don't know how to explain that.
16:32
You don't have visibility on like...
16:34
Yeah.
16:35
It's like clockwork.
16:36
You just assume that your employer is going to pay you.
16:38
Yeah.
16:39
And...
16:40
Which like we've seen so many businesses even in the last year go under completely
16:46
for reasons that are totally out of it and employers control.
16:49
So I think it's like...
16:51
Yeah, I think for me this year just on that note.
16:54
Yeah, it's been...
16:55
I don't just want a three month emergency fund.
16:57
I want a six month emergency fund.
16:59
Yeah.
17:00
And it's also...
17:01
I want to put more money into my investments because that's also a safety net
17:05
in some respects.
17:06
It's not an immediate safety net, but it's a long term safety net.
17:09
And there is going to be a point in time where I'm not going to be employed,
17:15
whether it is we sell the business or I'm revertire.
17:18
Yeah.
17:19
Not revertire now.
17:20
I mean, when I actually retire...
17:22
When I retire.
17:23
I retire in my 60s that I'll need that money.
17:27
So yeah, there's like a multifaceted approach.
17:30
But also the other big one and I feel like people are like...
17:35
Just my change in salary.
17:38
I think it's not worth it.
17:40
It's so fair to...
17:42
And like adjusting my lifestyle.
17:44
Yeah.
17:45
It sounds so privileged.
17:47
But it's true.
17:48
Yeah.
17:49
But it is true.
17:50
I think for me, if I could give anyone in their 20s the advice,
17:56
it would be, you know, you usually don't have a lot of dependents with children.
18:00
You don't have a mortgage.
18:02
You're earning money.
18:03
You're not studying or, you know, you're earning capacity.
18:06
And it's like, it's the easiest time in your life to put away money.
18:10
And again, I'm not making a bit of a generalization.
18:13
But for my experience, I just wish I'd put away so much more.
18:18
Because what I thought was important then, you know, having the best clothes
18:21
or having the best car or having the best holidays.
18:26
So insignificant now.
18:28
So that would just be...
18:30
Do you feel a little annoyed at your younger self?
18:32
Yeah, I'm just like, oh, I could be in such a better position.
18:35
Like, and I'm not saying I'm not, I'm like, I'm very happy where I am right now financially.
18:39
I'm just...
18:40
And should of what a cutter is always, you know, hindsight's great.
18:44
But there's just so many little things that I wish I'd done.
18:47
Like, increasing my investments.
18:49
You know, by even $100 a month,
18:52
would have made no dent back then.
18:56
But being massive contributors now.
18:59
Do you think that you'll think the same about yourself now?
19:02
No, I'm trying your 40.
19:03
This mindset, I'm trying to be like, okay,
19:05
well, if I'm sitting here when I'm...
19:07
36?
19:08
What?
19:09
46.
19:10
I'm going to 46 continue.
19:11
I'm sorry.
19:12
I'm going to swap drinking with you.
19:13
I say, is she having an endurism?
19:15
What's going on?
19:16
I literally am.
19:17
I'm...
19:18
I'm sorry at any moment.
19:19
It's not that old.
19:21
46 is not even halfway through your life.
19:23
I'm not living to 100.
19:25
I hope you are.
19:26
How are you?
19:27
Are you crying?
19:28
No, I'm just like, wow.
19:29
I'm serious.
19:30
If I think to when I was 26,
19:32
like, that seems like you used to do it.
19:34
Sorry.
19:35
Yeah, but also, if you think about how much you've done in that 10 years,
19:38
how many places you've lived, people you've dated,
19:40
you know, like, the jobs you've had,
19:42
like, there's so much has happened in 10 years.
19:44
Yeah.
19:45
And also, it is a privilege to get older.
19:47
We have to remember that.
19:48
Yes.
19:49
No, very much.
19:50
It's such a privilege.
19:51
And I think, yeah, so, yes, you're right.
19:54
I have now been sitting here going, okay,
19:56
I don't want any of those regrets when I'm 46.
19:59
So what can I be changing now with my budget,
20:04
with my finances, my investments,
20:06
to make sure that I'm happy with what I did
20:09
when I'm 46, looking back on my 30s.
20:11
Yeah.
20:12
So have you tried to cut back on things
20:14
that you're spending now to increase your,
20:16
or is this just the realization of it now?
20:18
We're going to be implementing it later.
20:20
This is, yeah.
20:22
This is when I set the budget for 2025.
20:24
Yeah.
20:25
Right.
20:26
And have you got any personal things?
20:28
Yes.
20:30
Personally, I've had a really big brain wave
20:34
and realized the importance of mental and physical health.
20:39
In general this year.
20:40
Yeah.
20:41
And probably how much my finances
20:44
impacted both of those.
20:46
And how I've put kind of boundaries
20:48
and stop gaps in place to make sure
20:50
that it doesn't happen again.
20:52
Increasing my emergency fund was one of them.
20:54
What have you increased it to?
20:56
Like what?
20:57
Mounted?
20:58
I increased it by about 2000 pounds.
21:01
And how long would that give you?
21:03
Like what's how long does your emergency fund last
21:05
for your essentials?
21:06
At last?
21:07
Last drop slow.
21:09
At last four months now?
21:11
So.
21:12
That's pretty good.
21:13
Yeah.
21:14
And that covers your mortgage and everything.
21:16
That is part of my mortgage yet in New Zealand.
21:19
But more on the more my rent over here.
21:21
Because because you pause that if you needed to.
21:23
Yes.
21:24
And more that that.
21:26
I've got income covering that.
21:28
For a projected amount of time.
21:30
In terms of attendance and the benefits like that.
21:33
But I think it's just.
21:36
Yeah.
21:37
I've been doing a lot of work on.
21:39
Knowing when I start to spiral.
21:42
And catching myself.
21:45
Financial spiral.
21:47
Yeah.
21:48
So with that.
21:49
And to be honest, the overarching thing is like just realizing.
21:52
But your beliefs and your thoughts between your actions.
21:55
And it's like sometimes I start spiraling.
21:58
And it's like, oh my gosh, I'm going to lose my job.
22:00
Oh my god.
22:01
Or like, yeah, I'm not going to have that money coming in.
22:03
But it's like, no, no, you've got this, this, this, this in place.
22:05
So it doesn't actually matter if you do.
22:07
So stop.
22:08
It's like it's stopping that like vicious cycle of behavior or thoughts.
22:12
Sorry.
22:13
And just realizing like you've got all these checks and balances in place.
22:18
So that you shouldn't be freaking out just kind of.
22:21
Yeah.
22:22
What other financial not barriers or other than an emergency fund.
22:26
What other things have you actually done that you've in your personal finances.
22:30
That you've noticed has alleviated stress.
22:32
Just a lot more strict with my spending.
22:35
I think I was way too frivolous probably last year.
22:39
And that compounded with my low salary made me kind of spiral a bit.
22:44
So because you're spending more than what you were used to.
22:47
Yeah.
22:48
Not necessarily more just like my spending was dangerously close to my earnings.
22:52
Whereas if you want to create wealth, you just need to spend less than you earn.
22:57
It's like it's that simple.
22:59
I'd built up all of this wealth creation while I was on a high salary and had that in my investments.
23:03
And I was kind of like sweet.
23:05
Okay.
23:06
And actually no, you need to keep doing that.
23:08
And you need to like despite your salary.
23:10
So therefore you need to cut back on your expenses.
23:12
You need to cut back on your lifestyle.
23:13
So there was just like a bit of an adjustment, an adjustment period there.
23:17
And now that's been a lot more normalized in terms of my spending and expenses.
23:21
What are the main things you cut out?
23:23
Or more careful with what you're probably spending on clothes?
23:27
I think the big one.
23:28
So it's so interesting how much we spend on stuff like that.
23:31
I also think though.
23:33
And again, this is completely my learnings in London.
23:38
Nobody gives two shirts what you wear.
23:40
I think in New Zealand.
23:42
And I even noticed myself going back there for the holidays.
23:45
And I was like, what am I going to wear?
23:47
Oh my god.
23:48
I've got no summer.
23:49
And I'm like, who cares?
23:50
Like you're with friends, you're with family.
23:52
It's going to be summer.
23:53
You're probably going to be like a bikini and pure shorts and t-shirt.
23:56
But I feel myself flipping into that narrative.
23:59
And it's like, whereas over here, it's like, hey, if you're warm and you're dry,
24:04
it kind of all that matters.
24:05
So yeah, I don't know.
24:07
Yeah, I think clothes is such an interesting one.
24:10
Because it's all about the way we present to the world, isn't it?
24:13
It's what.
24:14
And it all comes back to what we think.
24:15
People think of us.
24:16
Yeah.
24:17
Blah blah blah.
24:18
It's such a stupid vicious cycle of feeling like we need to cover ourselves and things
24:26
to be loved and accepted and seen in a certain way.
24:29
Yeah.
24:30
And if that is the main source of overspending, that's bringing stress.
24:35
How is that a positive?
24:37
And I think it also just comes back to like, I'm just so much more confident in my own being
24:42
that I don't feel like back in my twinies when I had to like wear the latest thing
24:46
to prove to people that I was, or that I felt cool or beautiful.
24:51
It's like, I feel like now it's just in your late 30s.
24:56
There's less of that need.
24:59
Yeah, there's a more innate confidence and you are rather than needing to layer up with
25:03
like things you've spent money on totally.
25:05
Yeah.
25:06
I think there's a massive learning.
25:08
And I actually agree, I think maybe a good, if you're listening to this and you're thinking,
25:13
oh, I do that too.
25:14
Like I think the one way I massively blow out is clothes or blah blah blah.
25:18
Is like sitting with when you're making a purchase, what's the intention behind it?
25:23
Yeah.
25:24
Because if it's just because you're having a panic, I've got nothing to wear, blah blah blah.
25:28
There's so many different ways that you can get that same confident feeling,
25:32
whether it's doing a clothes swap, whether it's getting something from a vintage store,
25:36
whether it's trying to restyle something, you've got like, you can find that same confidence
25:40
in different ways.
25:42
You don't have to spend to get that.
25:44
I think when it comes to sort of your either want or the non-essential things you're spending
25:48
money on, which generally for a lot of us, women is clothes or jewelry or blah blah blah.
25:53
And it's what's important.
25:54
It's what's important.
25:56
It's like, is it wearing the coolest outfit or is it actually having a really engaged conversation
26:02
with someone or spending time with family or that's such a good learning?
26:08
Yeah.
26:09
Okay, and moving on to my specific money and business lessons that I've thought about
26:15
that aren't just rambles about random things.
26:19
A massive realization for me this year is unless you take control of your money and how
26:26
you spend it, it will control you in a really negative, horrible way.
26:31
Yeah.
26:32
Yeah, I didn't realise how powerful and proud and conscious I could be with my money in
26:38
the way that I spend it.
26:39
I have never in my life had that.
26:41
And I think a massive learning has been actually Danny joining the curve and we've called
26:50
it the ultimate money in investing course and there's a big section at the start of that,
26:54
which is to do with personal finances.
26:56
Yeah.
26:57
I really like the way that I've now learnt to know where my money goes and actually choose
27:02
those places rather than just swiping my card, not really knowing where it's going.
27:07
It's really actually taking a small amount of time to set up those processes and be able
27:13
to follow them.
27:14
It's actually been quite liberating and I really like that quote.
27:19
Exciting.
27:20
Which quote?
27:21
The take control of your money or it will control you.
27:23
I don't know if that's a quote.
27:24
Maybe I just made that up.
27:25
Well maybe it is a quote.
27:26
But that is how it feels for me.
27:28
Yeah.
27:29
And I think that, I don't know, I feel like I'm on one side annoyed and I didn't do it
27:34
sooner, similar to how you said, without wishing you an invested sooner.
27:38
But I'm proud as well to have changed the way I'm doing it because for my entire life I've
27:45
had pretty low level financial anxiety because I don't know my numbers because I don't
27:50
know where things are going because I don't know how much I'm spending on areas.
27:54
And I think that's a really good learning point for people is that if you are feeling overwhelmed
28:01
with your finances right now, there is a way out.
28:04
There is light at the end of the tunnel.
28:07
The worst thing you can do is just keep being your head in the sand.
28:12
Like I think you're a really good poster child for that.
28:15
I still have a little sand dripping out of my ears but I, like as in I've pulled my head out of the sand.
28:20
I was like, what?
28:21
No but like I just, I do have a tendency to lean towards that and it's like a, I honestly,
28:28
this is so funny.
28:29
It's maybe been six weeks of me being really, really careful about it.
28:33
But even now going into next month, I feel more like confident in the way I'm approaching
28:38
it.
28:39
And I think that's also a thing that's not going to happen overnight.
28:42
No you're not.
28:43
You are undoing years and decades of behaviour and beliefs and whether it's money or not,
28:52
like that's not going to happen overnight.
28:55
So it's, it's also just being about compassionate with yourself around.
28:59
You might fall out one month and have a blow out and then you just get back on the horse.
29:05
See interestingly, I don't, I'm not too worried about a blow out in the sense that I think
29:10
because I know where my money's going now, if I blow out in one area, it's fine.
29:15
I adjust because it's not a constant blow out.
29:17
Like I just spin, spin, spin the whole month and then look back now.
29:20
It might be, oh I shouldn't have bought that scarf.
29:23
That was not something I needed.
29:25
So it means I'm going to have to shuffle things around.
29:28
I think it's just, I think that that has been a real big learning for me.
29:32
Business wise from it, like money perspective, I think this realisation of like how important
29:38
it is, this is going to sound like the most obvious thing in the world ever.
29:41
But the way that I was with my personal finances flowed into where I was with my business
29:46
finances.
29:47
The way was quite, I don't know, you don't need to know everything in super, super amounts
29:52
of detail.
29:53
But it's a really empowering thing to be able to make decisions about what you should do
30:00
in the business when you understand how the money relates to that.
30:03
And this is something I'm still very much learning, but it's been a realisation
30:07
both with like relation to how we speak about like we went to this incredible event
30:12
at Parliament here.
30:14
And one of the steps that we spoke, the way that everyone was speaking about there
30:18
was the idea that funding towards female lead businesses has gone from 2% down to 1.8.
30:24
So it's actually gotten less.
30:26
And the reason that this such a lack of female founders and entrepreneurs and people running
30:33
businesses who are women is because you do need funding or not always.
30:38
You don't need it.
30:39
But money equals like helps to empower ideas to happen.
30:43
And so by me taking control of my personal finances, that's something I can then
30:48
put into play in a business sense which then plays into the economy and the bigger
30:52
picture of when having a more active role in shaping the economy in the world.
30:58
And I think that's just the realisation of how much it all filters through and how
31:02
important it is to pay attention and be actually doing things differently has been.
31:07
Yeah.
31:08
I think that paying attention thing is key as well.
31:10
It's kind of related to investing.
31:12
It's like, oh, that's not a world for me or money.
31:14
That's not a world for me.
31:15
It's like, you can be a part of that world, even if you haven't been previously.
31:20
And it's a really exciting world.
31:21
And it's also just a learning like, I don't need to know it all straight away.
31:24
I can say PNL accidentally and then realise it's a PNL.
31:29
You know, it doesn't matter.
31:30
I'm trying.
31:31
And I think that's most important.
31:33
And then my last one's actually kind of a more of a personal one.
31:37
And that's, I, and this is all thanks to the ultimate money in investing course,
31:44
the way that we've structured it and we teach the personal finance section is putting
31:49
therapy as an essential and something that I have to pay for every month.
31:53
I've been this year for the first time ever being doing couples therapy.
31:58
And that money has been, I see it as an investment.
32:02
Yeah.
32:03
And I, I don't know.
32:05
I just, I think it's one of those things we don't talk about therapy that much.
32:09
But I think seeing it as something that I need because it, it brings
32:15
the self-development and it's like the return on that money is so powerful.
32:20
And I see it in that way.
32:22
So I've put it in my, my budget in that way.
32:24
And I think, right.
32:25
I've been viewing it as an expensive thing to do.
32:28
It's like, no, no, this is one of my, this is one of my essentials.
32:31
Yeah.
32:32
And I'm going to cut back on my nice to halves because this is an essential.
32:35
Exactly.
32:36
And I think that, you know, next year I'm going to, I'm not going to be doing couples therapy.
32:40
I'm going to put that same money towards working with someone with my ADHD.
32:44
Like that's been really hard.
32:45
I've only really known about it for like a year.
32:48
And no, it's like such a buzzword and people probably who don't know much about it.
32:52
I kind of like, oh, just that thing.
32:54
But it's been really hard for me.
32:56
And I think that I am going to reallocate those funds as an essential into paying for someone
33:02
in that space, which I think will be, yeah, again, like really pay its weight in gold in terms
33:08
of the way that that will then help me to show up, to earn more, to be a better business owner,
33:12
to be a better friend, blah, blah.
33:14
What about yours?
33:15
Business wise, I think this year was like we spoke to so many incredible women on the podcast
33:23
and I know I kind of used this one last year.
33:25
But I think the learning for me has just been a how far we've come as women.
33:33
I think there's this whole narrative of like poor ass poor ass like we only get 1.8% to a VC funding.
33:41
But it's like, yes, there's those stats, but also we have to think how far we've come.
33:49
We didn't have a head start.
33:51
We were running up through the back of the relay.
33:55
They already did the gun.
33:57
The gun's gone and we did some of them several marathons in the decades.
34:01
And we are playing catch up and we have been running our hardest.
34:05
And we are so nearly there and I think I feel very fortunate to be a part of the last little sprint
34:13
because I think there's been so many women that have paved the way for my generation to be where I am today.
34:21
And I'm just like so excited to be a part of making change for the generation.
34:25
Oh, that's so beautiful.
34:27
I love that.
34:29
I guess we're having a bit more positive spin on more women of achieves in the last 50, 100 years.
34:35
My money one would be kind of two things actually.
34:39
Firstly, how important and like a financial order is.
34:45
I think it's kind of funny when you're educating being like call up your electricity company,
34:51
call up your phone provider and like make sure you're not paying just because you've been with them forever.
34:57
You know, there are alternatives and I've definitely been doing this with my mortgages.
35:03
Like what is the best rate?
35:05
No, like almost not playing them off against each other, but being a salesperson.
35:09
Yeah, and I think because at the end of the day it is money that I could be spending your investing elsewhere.
35:15
And I don't want to be giving it to an electricity provider or phone company unnecessarily.
35:21
So it's not being like deal hungry.
35:25
It's just putting it in my mind was being deal hungry.
35:29
And for me, I used to have this negative conversation.
35:31
I remember my mum would go in and we would go shopping and be like, what's on sale?
35:35
Or is there a deal off this?
35:37
And I'd be like, oh, embarrassed.
35:39
I'm just pay for it.
35:41
Which now I'm turning into that and I am having no shame with that in terms of.
35:47
Yeah, if I can save 20 pounds here or 5 pounds there, it's like it all adds up.
35:53
Especially if it's like monthly payments or on a mortgage.
35:57
Yeah, shopping around and getting a better interest rate can have massive positive repercussions for your financial future.
36:07
That's really good one.
36:09
Also, the other thing on that is I realised I was sending money back to New Zealand to invest it in funds that I'd set up there.
36:15
And thought that's stupid.
36:17
I'm going to, because I get taxed on that money in New Zealand that I invest into managed funds.
36:23
Whereas here in an ISA, I don't get taxed.
36:27
So I was like, I'm going to halt that.
36:29
And fill up my ISA, which for those who are not in the UK or in the UK and don't know,
36:35
it's an independent savings account.
36:38
You get 20 pounds a year.
36:40
You get 20,000 pounds tax free a year.
36:44
And so you put up to $20,000 in there and not have to pay tax on it.
36:50
And do you do that with your savings as well as investing?
36:52
With my savings, my emergency fund, yeah, and my investments.
36:56
Whereas my investments, I was sending back to New Zealand.
36:58
So I just instantly lose 28% on.
37:02
So do you have the stocks and shares ISO over here?
37:06
Yeah.
37:08
And cash ISO.
37:10
And what do you put into the stocks and shares ISO?
37:12
ETFs and direct stocks.
37:14
Oh, really? You can do it through that.
37:16
How do you do that?
37:18
On trading 200.
37:20
Awesome.
37:22
And then I've still got money in my managed funds in New Zealand.
37:24
But I was just like,
37:26
defaulting is going to keep adding in there.
37:28
And I was like, hang on a second.
37:30
So that is another little unlock learning that I discovered this year.
37:34
And also you don't pay effects for an exchange changes as well.
37:38
Indiversification and all those fun things.
37:40
Personal asking for help is not a weakness.
37:44
Whether it's asking for help business wise, asking for help.
37:48
Personal wise, yeah, anything.
37:50
I think for me, and maybe it was the industry that I had been in for a very long time,
37:58
was that I saw asking for help as a weakness.
38:02
Whereas now I don't.
38:03
And the importance of reflection, I think this kind of goes into
38:07
the first opening point we're talking about,
38:09
we're like all the things that we've achieved this year.
38:11
I think it's really important to like sit down and realize,
38:15
whoa, wasn't until someone else pointed them out.
38:17
I was like, oh, yeah, we have actually achieved a lot this year.
38:19
When you're working in it and you're doing like the day to day,
38:21
it's really hard to realize that you've achieved these big milestones.
38:25
So yeah, the importance of reflection.
38:27
And I guess that's actually, I mean, this is slightly early,
38:31
because I wanted to say this at the end.
38:33
But I do think to really good exercise to do this yourself,
38:37
because everyone's achieved so much.
38:39
Whether it's you've had a baby, you've grown a baby,
38:41
you've got married, you've bought a house,
38:43
you've just got a new job, you moved houses.
38:45
There's so many things.
38:47
And I think that it can all blur into one,
38:49
unless you take a moment to look at it all and take stock.
38:53
And actually, how cool is that?
38:55
The take stock? What that even means?
38:57
I kind of didn't even know until I see it the other day.
38:59
I was like, oh yeah, yeah, yeah, we've got to take stock.
39:01
And then I was like, take stock is like taking your returns,
39:04
taking your money, like taking a moment.
39:07
I love that. And I think it's taking a moment
39:09
really, really good advice.
39:11
I think at this time of year, everyone's stressed,
39:13
everyone's exhausted.
39:15
It's been probably a big year for a lot of people
39:19
if you're stressed about Christmas,
39:21
or you're stressed about heading into the next year,
39:23
or whatever it is, or yeah, you're about to go on holiday.
39:27
A very well-deserved holiday.
39:29
I think it's, yeah, take that time
39:31
to actually reflect on what you've personally achieved,
39:35
I think is a really, really good exercise.
39:39
And now we get into the fun stuff.
39:41
Well, that was fun.
39:43
We've got our goals.
39:45
Let's snap through it.
39:47
Because, okay, we're about to die.
39:49
Okay. What are your three?
39:51
So you're going to have a financial goal,
39:53
business goal, personal goal.
39:55
Okay, yeah, yeah, yeah, love it.
39:57
My financial goal is to be in a position
40:01
to buy a house in the UK.
40:03
Cool.
40:05
Now that's very broad,
40:07
but like in terms of
40:09
whether that means
40:11
me saving a lot of money this year,
40:15
sorry, next year, to be able to afford that
40:17
or selling down, selling my house in Auckland.
40:19
But I just want to be
40:21
a cool, financially stable and secure here in the UK.
40:25
And that means buying my own house.
40:27
I love that. That's so cool.
40:29
Would you prefer to own a house here?
40:31
Or really? Why is that?
40:33
Well, I just, I don't know.
40:35
I just get frustrated,
40:37
I was like, oh, I'd love to bowl down that wall.
40:39
I'd love to paint that door or, you know,
40:41
like I just want to make it a bit more like,
40:43
homely and you can't do that with rentals.
40:45
And also, that's one side of it.
40:49
The other side of it is
40:51
what I'm paying and rent here
40:53
and I've done the numbers of,
40:55
if I paid that in mortgage payments,
40:57
it's pretty much the same.
40:59
What about the capital gains here
41:01
versus New Zealand? Isn't it so much better
41:03
as an investment owned in New Zealand?
41:05
Yeah. Yeah. But there's also the
41:07
element of like tangibility
41:09
and living in that insecurity.
41:11
Interesting. So it's more
41:13
of a lifestyle purchase than it would be an investment.
41:15
Yeah.
41:17
I want to have six months of emergency fund.
41:19
I'm currently at three months.
41:21
So by the end of the year, I want to have that.
41:23
I want to own my own house
41:25
and I want to have another
41:27
30,000 invested in stocks.
41:29
So I want to do,
41:31
yeah, I've got enough to buy a house now.
41:33
I just need to do that.
41:35
I need to save three more months
41:37
for my emergency fund.
41:39
And then on top of that, by the end of the year,
41:41
I want to have 30,000 invested in stocks.
41:43
Do you think that's unrealistic?
41:45
I think you should sit down though
41:47
and be like, okay.
41:49
How much does that mean I need each month?
41:51
Yeah. And be like, okay.
41:53
And see, is that okay? Does that mean
41:55
500 pounds of money?
41:57
That is unrealistic.
41:59
Because if I think about 30,000 in a year,
42:01
that's quite a lot.
42:03
Back to number. It's a lot.
42:05
It's way more than I can afford.
42:07
Got two, two and a half a month.
42:09
Yeah. Way too much.
42:11
Damn. I need to change that to 10.
42:13
Damn, it's a third.
42:15
It's not that fun.
42:17
Just changed that goal.
42:19
It's a devastating reason.
42:21
But also, I think, yeah, that's a lot of goals.
42:23
I think try your own house.
42:25
Yeah.
42:27
You want to put that 10,000 into the house purchase.
42:29
I might need to rethink these.
42:31
I'm just thinking.
42:33
I love the enthusiasm.
42:35
Yeah, it's normal.
42:37
You kind of diversified your goals.
42:39
It's great.
42:41
Maybe choose one.
42:43
You're fun.
42:45
I'm devastating.
42:47
I've changed it too.
42:49
I want to have a house.
42:51
Border house.
42:53
New Zealand.
42:55
New Zealand.
42:57
I want to do it as an investment property.
42:59
I'm sorry, I'm falling down the couch here.
43:01
I want to have six months of emergency fund,
43:03
which I think by my calculations,
43:05
I should have by April or March,
43:07
have done.
43:09
I don't want to talk about that back into the stock market.
43:11
Six months emergency fund, I love that.
43:13
Well, I just, it's kind of to what you were saying earlier.
43:15
I think I just want to know
43:17
that I've got myself for a decent amount of time.
43:21
I think there's just a lot of instability in my life in general.
43:23
And I just think I would feel better with that.
43:25
Business. What's your business goal?
43:27
I want to kind of double our existing staff.
43:29
Love that.
43:31
But I don't just want to do that
43:33
just for the sake of having more staff.
43:35
I want that to be a function
43:37
of the businesses doubled in terms of its growth.
43:39
It's revenue.
43:41
That means that it can sustain another 10 staff.
43:43
Half fund would that be a 10 more people?
43:45
Yeah.
43:47
It wants us in their CVs.
43:49
No, no, look at that.
43:51
And I want our audience to be half UK-based.
43:55
Love that.
43:57
But again, not because out other audiences,
43:59
percentages have gone down.
44:01
I want everything to be growing,
44:03
but like UK is growing faster.
44:05
For those who are unaware,
44:07
it is about 20 percent.
44:09
Okay, my business one is
44:11
I want the curve to be a household name in the UK.
44:13
So good.
44:15
I want to be in the podcast charts
44:17
for finance and business in the UK.
44:19
And I want us to be asked to be on Grace Beverly
44:21
and Stephen Barlett's podcast.
44:23
Imagine.
44:25
I love that. It's probably way too ambitious.
44:27
But we'll throw it out there.
44:29
Yeah.
44:31
We've made in roads.
44:33
I know. I wrote, I know.
44:35
I just wanted you to panic.
44:37
I did panic.
44:39
I was like, she's having triplets.
44:41
Honestly. No.
44:43
Are you pregnant? No, I'm not pregnant.
44:45
I honestly thought when you put that,
44:47
I was like, oh my god.
44:49
I also just said, can't.
44:51
I've kept like bringing up sort of like baby family chats
44:53
to see how you respond.
44:55
You were like, do you see yourself being in London long term?
44:57
I was like, yeah, of course.
44:59
We've got an office here.
45:01
So I went over with high-end stuff.
45:03
She's like, well, I thought you wanted to have kids in New Zealand.
45:05
Yeah, I've been really trying to be free.
45:07
And I could see what you were seeing at.
45:09
And I was like, oh, you know, sometimes you have to compromise things.
45:11
I was really looking at your face as well.
45:13
Like she cracking.
45:15
No, but that is one of my personal objectives.
45:19
Within the year.
45:21
Well, to move towards that.
45:23
So having more sex.
45:25
Yeah.
45:27
So when my personal goals is to have more sex.
45:29
Yeah.
45:31
What is it? Tell me.
45:33
What is the personal goal?
45:35
No, that's it.
45:37
What do you mean?
45:39
Just to like, progress towards...
45:41
So you won't have a baby next year.
45:43
Is that what it is?
45:45
There needs to be more definitive shit here.
45:47
I know.
45:49
Lowell is not a personal goal.
45:51
I want to be more progressed towards motherhood.
45:53
Okay. We'll leave it at that.
45:55
This is freaking me out so much.
45:57
Why?
45:58
Yeah, sorry.
45:59
Trying to be vague.
46:00
Stop being so vague.
46:01
Sorry.
46:02
Okay.
46:03
Mine is to have found a more happy balance between
46:06
Mexican version of myself.
46:08
And I was like, meditating every day, doing yoga all the time.
46:12
Kind of living in a commune.
46:14
Sort of situation.
46:16
And business off, which is the opposite of that.
46:18
I want to try and find a happy medium.
46:20
Yeah. I just... I don't have the balance right.
46:22
So you know, the whole mental physical health thing.
46:24
I'm still figuring out how to nail that.
46:26
Like, more connected with myself.
46:28
I want to start eating better.
46:30
And just feeling more healthy.
46:32
Having like actual vibrancy and vitality.
46:34
I feel like I don't wake up and think,
46:36
I've got heaps of energy today.
46:38
And I'd love to.
46:40
I'd love to feel like I have that.
46:42
To be considered up and down.
46:44
Be more like consistent.
46:46
Well, no, I don't have energy at all.
46:48
I'm like, I don't think I have much energy in general
46:50
because I'm not like looking after my health pillars.
46:52
Have you checked your iron?
46:54
No, but that's actually a really good idea.
46:55
Go get a full blood test.
46:57
So my personal goal is to go get a full blood test.
46:59
Yeah.
47:01
No, it's actually not a bad challenge.
47:03
I have been an AMIC before.
47:05
But I'm eating meat and dairy at the moment.
47:07
I was an AMIC as well.
47:09
I'm going to get blood.
47:11
And they have like, whoa, whoa, whoa.
47:13
Really? You need all the blood you can get.
47:15
And I was like, oh, there goes my good deers.
47:17
Yeah.
47:19
I really, really want to be able to donate blood.
47:21
But I'm so scared.
47:23
Kind of just terrified of needles.
47:25
Hmm.
47:27
Anyway, I feel like this has been quite cathartic.
47:29
Yeah.
47:31
And I'm also just generally proud of us.
47:33
I think that it's been a massive year,
47:35
personally, professionally.
47:37
And also just all of the leaves.
47:39
Well, I was going to say a big thank you, actually,
47:41
because we wouldn't have a business or a podcast
47:45
that people listen to if it wasn't for.
47:47
All of you that download comment.
47:49
Share it with your friends.
47:51
Yeah, it's like, it's been a massive year,
47:53
but it's been a massive year
47:55
because this has been a collective effort.
47:57
This is something I love.
47:59
Some from girls that are always says,
48:01
not self-made, community-made.
48:03
And I think that, particularly with this type of business,
48:05
it is so community-made.
48:07
So just massive.
48:09
Yeah, thank you.
48:11
Thank you for all that helps us get the word out there.
48:13
Yeah.
48:15
Because it's...
48:17
Any run that's shared it,
48:19
part of the job as well.
48:21
The heavy lifting, honestly.
48:23
Moving women in the right direction.
48:25
Yeah.
48:27
Okay, had the best Christmas in New Year.
48:29
Take a break, relax, read a book.
48:31
We will see you.
48:33
It's been time with family.
48:35
Second week of Jan.
48:37
Yeah, new episodes.
48:39
Actually, some really exciting interviews coming up.
48:41
But I'm not going to breadcrumb them.
48:43
Oh, you'll just have to wait and see.
48:45
Bye.
48:47
Okay, quickly.
48:49
The curve was created to empower
48:51
and educate you about investing.
48:53
But we are not financial advisors.
48:55
Our platform exists for educational purposes only.
48:57
And it doesn't provide personalised investment.
48:59
And it doesn't provide personalised investment.
49:01
And it doesn't provide personalised investment.
49:03
And it doesn't provide personalised investment.
49:05
And it doesn't provide personalised investment.
49:07
And it doesn't provide personalised investment.
49:09
And it doesn't provide personalised investment.
49:11
And it doesn't provide personalised investment.
49:13
And it doesn't provide personalised investment.
49:15
And it doesn't provide personalised investing advice for your individual needs.
49:19
And should not be relied upon to make an investment or financial decision.
49:21
And always remember to do your own research
49:23
before making any investment or financial decision.
49:25
We're here for any knowledge and support you need.
49:27
But the final call is always yours.
49:29
And thanks for being here.
49:31
You got this.
49:33
Yeah, we know you got this.