Latest / The Curve / Mia McGrath’s Frugal Chic Rules for Building Wealth.

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Mia McGrath’s Frugal Chic Rules for Building Wealth. · 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. Come and talk and learn and laugh with us because together we really can raise the curve.
0:34
When we were planning this episode, we've obviously been following your accounts and all of the incredible content that you put out.
0:44
And are so impressed with the fact that you've managed to save £100,000.
0:49
Is it £25?
0:51
£24? Like I was just a financial mess at £24.
0:56
And I think there's a lot of people in their 20s that are feeling stressed overwhelmed completely out of their debt with money.
1:03
Where did your intuition to do it better come from? And how did you end up in the position that you are now, which is obviously you know what you're doing and you have a plan, which a lot of people in their 20s just don't?
1:15
It started from when I was a kid. I didn't always feel like I had financial abundance.
1:21
And that doesn't mean that I felt deprived. Like I had such a rich childhood and experience.
1:26
But it was more just like, you know, I didn't, I didn't have the nicest things. I didn't have the right branded clothing.
1:32
I felt a bit, I felt like I wasn't very financially abundant.
1:35
So I knew that when I was older, I wanted to be able to like give that to myself and like have a lot of financial abundance.
1:42
And basically become rich, but not not in like a tacky way.
1:46
I just like to buy loads of designer clothing, but in a kind of in a freedom sense that I would be able to have control of my time.
1:53
Be able to work on what I want. And also it's not so much about the numbers.
1:58
It was more just like I knew I knew almost mathematically like how much I would have to have to live a comfortable life.
2:06
So how much I'd need to save to reach certain numbers, like a million, like to become a millionaire.
2:11
A lot of people want to. They talk about trying to win the lottery or trying to do this.
2:15
But they don't actually like take the steps backwards to think what could I do in my life to potentially get there.
2:21
And it's not necessarily going to be easy if you don't come for money and stuff.
2:24
It is such a good point. The idea of where do you want to go?
2:27
And then working backwards in terms of having tangible goals that not only make you feel like great.
2:33
I'm on my way to when I'm trying to achieve, but it also breaks down what is often a really scary prospect.
2:39
Like they're a dare of trying to get a million dollars or a million pounds or honestly a million anything is quite terrifying.
2:45
But actually if you can break that down month by month, year by year, it's much more achievable.
2:50
I wanted to backtrack to what you said about growing up and feeling like you didn't necessarily feel rich or abundant.
2:58
And you referenced the idea of sort of things, which I can totally relate to as well.
3:03
I think when I grew up, the school that I was at, I was very lucky to be there.
3:08
My parents prioritized education and sending me there. It wasn't easy for me to be at that school.
3:13
And I think the comparison that I had to other friends and people around me made me constantly feel like I didn't really have enough.
3:20
Was there a particular memory you have of being younger and feeling lack?
3:26
Or I guess a money memory that really didn't feel good that stuck in your mind that propelled you into wanting to change.
3:33
How you grew up or I guess the financial position you were in when you were older.
3:38
Yeah, actually I relate to what you said almost like you're in a privileged position, but you still you almost feel like
3:45
because you're surrounded by people that are potentially more affluent than you that can make you feel behind.
3:50
So I remember being a kid and my parents were always very keen that I did lots of extracurricular activities.
3:57
So I did like gymnastics and ballet.
3:59
Me too.
4:00
Yeah, I can't believe it.
4:01
I've never been in politics.
4:02
You have a hundred percent.
4:04
I'm just thinking of girls.
4:06
I am one thousand pounds.
4:09
No, it's so interesting.
4:11
I think there's something in the ballet gymnastic that gives you this weird and sane determination.
4:16
Don't you think?
4:17
Yeah, so I mean the girls obviously that would go to those classes as you can imagine.
4:22
They were at private schools or like when I was growing up at the time it was all about Hollister and Abercumbia and Fitch.
4:28
So they were like a head to toe decked out in Abercumbia.
4:31
And then like I remember one of the girls just looking over at me at my like tattered,
4:35
brats, backpacks that I had like my entire life.
4:38
I would love it.
4:39
It would be very cool now.
4:40
Yeah, it would be very cool now, but she was like, oh, who even likes brats now?
4:44
And that moment I was like, oh my god, I'm not cool.
4:47
I don't have the right things.
4:49
So I think it made me realize that the things I have define who I am.
4:53
And then that set me up on like a path of overconsumption or kind of like bad shopping habits in my teens,
4:59
which I later grew out of, but I think that was important for me to go through to like realize that
5:04
I can chase these things, but they're not going to give me financial stability,
5:07
actually like saving my money well.
5:09
It's so interesting that you went down the path of yeah, overconsumption and trying to appear externally
5:15
as though you have lots of money and then you've managed to pivot away from next.
5:19
I actually think it's really, I think two things.
5:22
I think I completely relate with that.
5:24
And at the same time to be able to step out of that mindset,
5:30
even when you have nice things and choose to spend it on other stuff,
5:35
takes a lot because when you're used to a certain lifestyle,
5:38
whether it's really beautiful sheets or really nice clothes or a nice car, whatever,
5:44
when you have those things to then also actively choose,
5:48
no, actually this isn't what I want to be spending my money on.
5:51
I don't need stuff.
5:53
I actually want time or security in other ways.
5:56
How did you transition from buy, buy, buy, appear to be wealthy or rich or have money
6:03
to sort of flip the script and think actually that's not what wealth looks like for me?
6:07
Yeah, well, funnily enough.
6:09
I never actually talked about this in my content ever,
6:11
because it never really comes up, but I actually tried to be an influencer before
6:15
when I was younger.
6:16
I love this.
6:17
I know what type of influencer was it for?
6:19
So when I was about 16, 17,
6:23
I tried to be like a streetwear influencer.
6:26
So I was like, can we find some old photos?
6:29
Yeah, I'll bring some up.
6:31
I used to, I was just heavily influenced by what was popular at that time.
6:34
So Supreme Palace, I even tried to start skateboarding and stuff.
6:38
I'd post my outfits online and don't be wrong,
6:41
I say tried to be an influencer because I never got more than 3,000 followers.
6:46
But yeah, so at that time, I thought that that was my way to be in cool
6:51
and I met loads of friends through it and it was really nice.
6:54
I did meet up with people and it was a nice community.
6:56
But I kind of like didn't like the fact that I had to spend money to be a part of that group.
7:01
And looking back now, I didn't necessarily have to do that.
7:04
I think you can have great style and thrift clothes or get them from vintage and stuff.
7:08
But it kind of was a different time.
7:10
It was almost around the time of logo mania.
7:12
But actually, what shifted for me?
7:14
I mean, a lot of my journey has been influenced by social media.
7:18
So also around this time I got into minimalism on YouTube.
7:21
Like I would binge watch videos about minimalism.
7:24
And I think that almost comes across in my content now when I talk about under consumption and stuff
7:28
because I kind of learnt those things in my late teens.
7:31
I was like suddenly I decided to just reject that whole consumerist attitude and go the opposite way.
7:36
But I've always been very much influenced by YouTubers and people online.
7:41
So can you help me change my mindset?
7:43
I try so hard to not be that person that wants to have nice things or have too much stuff.
7:51
And I really still struggle.
7:53
Can you try and explain how you've changed your own mindset?
7:56
Because I think there's probably a lot of people that are the same where they want to spend the money on things that are not things.
8:02
Yeah.
8:03
But a constantly battling between what society is constantly showing us we should be to fit in and be cool.
8:09
Yeah.
8:10
And actually what what real wealth looks like.
8:13
It's a difficult one because we don't have a lot of control or we think we do but we don't.
8:17
Like we go on social media and we're just bombarded with ads.
8:20
Like you can just literally look anywhere and it's an ad for something.
8:23
So I wouldn't anyone watching this.
8:25
I wouldn't feel too hard on yourself if you are in that cycle of over spending or buying too many things
8:30
because to a degree like it's it's pretty hard not to be that way.
8:34
Most people are that way these days but I think if you want to change that and you almost want to be the opposite
8:40
and like not saying you want to be like me and be an extreme saver but if you just want to have a lot of savings.
8:46
I almost change my addiction.
8:49
I change my addiction from shopping to saving.
8:52
And I know that doesn't make sense for a lot of people but say for example you're dieting or you're trying not to shop.
8:59
If you restrict yourself it's not going to be sustainable because you're not going to enjoy that new life.
9:05
You almost have to have an identity shift.
9:08
So I had to go from over spender to saver.
9:11
I couldn't just be like I want to save more.
9:14
Oh my god I've just had a penny drop moment so it's kind of like if you decide to go on a diet where you don't eat cake.
9:20
The whole time you're thinking I really want that whole cake.
9:23
But if you think I actually love this way of eating and you love vegetables and you decide to sell it the one.
9:31
You actually kind of forget about the cake because you're obsessed with this new wave.
9:35
It's like a deeper level shift rather than the surface level changing your behaviour.
9:39
It's actually wanting a different type of lifestyle.
9:43
Yeah it has to come from a place of positivity and enjoyment of this new thing.
9:49
Rather than being like all that the other thing I have to cut out in a way.
9:53
And a lot of people might be curious why I enjoy saving because on the surface it doesn't seem like something you could get much enjoyment from.
10:01
Because when you buy something you can use that thing you can get enjoyment from it and it's an immediate benefit.
10:08
And saving it feels like delayed gratification not something that's very fun.
10:13
People look at my content and think oh she needs to live a little or stuff like that but they don't realise that that's what I enjoy.
10:19
And that doesn't mean that okay I save everything and I don't live at all.
10:23
It just means having principles that you stick to.
10:26
So you know even if you budget and you have like a small pot of money that's like your fund money.
10:32
That could be for when you want to just go crazy and just go on a shopping spree.
10:35
But for me I just really enjoy saving.
10:38
It's basically getting addicted to seeing the number go up but not in a superficial way but just knowing that each time it goes up you're buying your freedom.
10:48
Before we go into that because there's so many things I want to ask about that but I kind of want to backtrack and actually just ask because you have spoken about being adopted from China and the influence that that's had on your independence and the way that you approach.
11:01
Like not just your content but I guess your life. I'd love to hear more about how that part of your story has influenced the way that you show up in your career and in your personal life particularly like with regards to being independent and very ambitious.
11:16
Yeah I think well I'll tell the audience for anyone that doesn't know I was born in Wuhan China and I was like left outside of an orphanage.
11:26
I was fostered for like a year and then my British parents they couldn't have children and they thought about going down the IVF route but I think that was just expensive and took too much time so they thought let's adopt to the so many kids that like need a parent.
11:40
So they looked at China which at the time had like an influx of girls that were being abandoned because of the one child policy because I don't personally know why I was given up because I was just left so I don't have any contact with my birth parents.
11:55
But at the time women were I don't know there was lots of different I don't know the ins and outs but they might have had forced abortions or all they had to give the child up in secret so.
12:05
Yeah so my parents adopted me.
12:07
Isn't that just it's crazy yeah.
12:09
So like I'm not trying to I know that the point of what you're sharing this for context but it is just when you've come from a different completely different part of the world where you know I grew up in New Zealand and anyone can have.
12:20
You can have as many kids as you want it's really hard to understand how hard that must have been for people who get pregnant and you're actually not legally allowed to have more than one kid like that's just awful and to have no idea why or you know have you had to make peace with that.
12:38
Do you do put it down to the idea that well she probably didn't have a choice.
12:43
Yeah I honestly just think about it like that I don't have any negative or positive emotion about it because yeah my parents adopted me I was brought to the case I grew up in London for most of my life I think I was 18 months when I was adopted so.
12:56
I really haven't known any different but obviously I think anyone your early years will somewhat affect you whether you are conscious about it or not.
13:04
Because of that I think it just made me quite hyper independent I know that's almost like a trauma response you become hyper independent but I see it as a positive thing because I think I've been able to achieve so much because I have that mindset that if I don't do it no one else would do it and also to not take anything for granted because it was such humble beginnings that you think it's not that you think you could lose it all because that's like highly unlikely but you just know that when you come from that background I don't know that you just have to work harder.
13:33
There's a deep level of grit that comes with having experienced things that are difficult I don't know I also think there's a lot with and I saw this a lot growing up kind of people feeling like they have their backup plan and people feeling like they have a lot of backstop which I think is really unhelpful to propel you in the direction of being ambitious because if you kind of feel like you don't have to work that hard.
13:59
Why would you? And so I think it's yeah that makes a lot of sense to me and do your parents look at the way that you've I guess transitioned from a traditional career path into doing this are they encouraging and excited for you to be doing it differently or they're like oh could you maybe do a more safe option.
14:16
No they're really happy for me I think at the time when I was first started me didn't really know where I was going but I think as I started to prove to them that I'm making more from this than my full time job it makes more sense to go down this route because there's almost an opportunity cost if I stay then I'll be missing out so I think they're really happy for me in the end but just obviously uncertain because they come from quite traditional backgrounds.
14:38
That's actually a good segue so did you learn much from them about budgeting saving investing growing up or is it did you kind of fall in love with YouTube and learn it all online.
14:49
To be honest I do have a lot of memories of them being careful with money but I think that's because like I said we didn't have an abundance of it so in a day out when I was a kid would be to go to a museum and my dad bring his squashed up cheese sandwiches if we just have that.
15:04
Well I can just see it up against the glad rap and it's all like coming out the front of the bread and it's all soggy I can totally imagine.
15:11
Yeah but like I think when you're a kid you just don't question anything you don't think oh well if we go out to have a meal like I don't go wrong we did we did also do that but like we just did a lot of free activities and I remember my parents being quite resourceful and I think that's translated to the way that I am growing up.
15:28
Like if I'm always friends you know sometimes someone will say like oh I'll just get a new but in my mind I was thinking of walking 20 minutes but it wasn't because I'm trying to save money.
15:38
It's just because that's what I always would have done so I guess in your mind like the options that you think are automatically available will be the ones that you've just known.
15:46
So I save a lot of money but kind of unintentionally just because I am quite a careful person with money and it could be from what I like the setting that I grew up in.
15:58
They never taught me budgeting saving investing anything like that in fact investing would they have a financial advisor to do their investing for them.
16:07
So I kind of learned now myself but they sort of instilled good money habits in me but didn't like tell me here's how to budget your money I guess.
16:17
And I don't think that's because they don't want to teach you I think it's because it was the same with my parents they would have absolutely taught me everything they knew if they were doing it.
16:24
But a lot of our parents generation just never learned so they didn't really know how to pass it on.
16:29
Was there a financial concept that you learned that really changed your life that you think back and you're like oh my goodness I can't believe that I didn't know this probably compound interest I mean it's known as the eighth wonder of the world.
16:41
I think just that concept of your money being able to make more money completely changed everything for me and I think that is why I'm so addicted to saving because I know that the more I save the more I'm basically creating this farm that just keeps reproducing money.
16:56
And eventually you're reducing the amount of money you have to trade for your time so I just can't even but it's such a good visual to say this farm that kind of becomes self-sustaining.
17:09
It's such a good way to think about it compound interest is one of those things I think so many people just don't understand.
17:15
But anyone listening who doesn't know can you have a really simple explanation of what the eighth wonder of the world is.
17:22
It's interest on your interest so if you're saving your money in a savings account that's paying you I mean this is very above average but 10% for like just mathematical purposes then you know say if you saved 100 pounds you get 10% on that yet 110 pounds but the next year you won't just earn interest on that 100 pounds you start to earn it on the 110.
17:46
So it keeps going up your year so basically over time it snowballs so in the end it's not like with investing or saving it's not really about how much you save of course that matters but if you started earlier it just has more time to do that snowballing.
18:01
Yeah you get a bigger snowball because it's been snowballing for longer.
18:04
Yeah. Do you even feel embarrassed or shy about the idea of wanting to be rich you know being public online and talking about money speaking from experience you know you know there's a lot of people that are judging you for it.
18:18
I don't know I just I feel like sometimes when you say oh we've got a platform talking about money or investing people immediately either are like oh amazing if they're already on the bandwagon of caring or thinking about investing and money but if they're not can be quite polarizing.
18:32
And I just wondered if that's something you've experienced.
18:35
It can be but I try not to worry about it because when you put yourself online like anyone can see it so you have to have courage and you have to be so scary.
18:44
Yeah what are we doing?
18:46
You have to have courage but know that you're potentially reaching the right people to help them.
18:51
So I try to focus on the positive impact that I could have and if people want to leave like negative comments it just adds engagement that's how I feel.
18:59
But thank you so much for helping my business.
19:02
Yeah no it's true but saying that you want to become rich is kind of controversial.
19:06
It kind of seems taboo especially in like British culture you're not really meant to aspire that high.
19:13
You're meant to just be like oh I want a modest salary.
19:16
You know you're supposed to just stay within your lane.
19:19
I don't know with money I think it's better to be brash and just say what you want in any setting whether it's negotiating or because if you put your desire out there I think the universal water.
19:28
And so far when I've been talking about my goals whether it's to save 100k or to get to 1 million like it's been helping me because as a content creator people are interested in your journey.
19:39
But also because if you speak something you're speaking into existence you're obviously like telling yourself it's a priority and if I'm talking about every single day then it my actions are going to follow suit.
19:52
So I don't think it's cringey to say that you want to be rich because these days in this economy being rich is just being financially stable or having excess time or excess resources and that's I mean we all want that so.
20:06
What does if you were to define what it means to you is it a number is it getting to a certain amount of money is it a certain amount of three days a week what actually is your rich goal.
20:18
Yeah I mean for me it's to have 1 million pounds invested in the stock market that's like the benchmark that I'm trying to hit but there's lots of other things like being able to own a property I think is quite great and being able to have a business that you enjoy and that's your life's work but also something that you can potentially step away from.
20:39
And it's also like about your lifestyle being able to eat healthy foods organic foods have the time to cook have the time to focus on hobbies without caring about the money and having time to spend with friends and family but I mean I know sounds like really basic things and those things shouldn't be considered luxury but these days you know it's cost of living they kind of are.
21:00
Oh I totally disagree I think that is I listen to you speak and I think that's exactly what I want for myself to and I think what you said about being able to step away from work if you want to yeah to be able to yet not worry about activities or probably travel or like spending your money on the things that you want to do.
21:15
But it doesn't sound like you're wanting to stop working.
21:18
Yeah this is the thing so on my channel I've always talked about the fire movement and that basically stands for financial independence retire early and it's based on this idea that retirement isn't about an age it's about a number so all this time I was trying to reach a million because that was my fire number.
21:34
But since I became a full-time creator I found that I had a lot more time freedom of course I still dedicate all of that time to working but if I wanted to I could potentially take a week off and it wouldn't make a difference.
21:47
Well it would but you know I could do that so I have a lot more freedom than I had at my 95 so in a sense I used to be really focused on retirement but now I'm just more focused on building the lifestyle now.
22:00
But yeah I don't think I'd ever stop working because what I do now I really enjoy but I guess when I was thinking about fires because I was at a 95 and that 95 was great but it just wasn't my dream and I think I was building someone else's dream which so many people are.
22:15
But I just knew that that's not why I wanted long time.
22:19
So you actually are not trying to save or invest to be able to actually retire early.
22:24
It's becoming a work optional so if I reach a million I could just pay myself will do the 4% rule so take out 4% of my portfolio without ever running out of money because of the growth in the stock market.
22:36
But I'm not sure that many would have it here if you took 4%.
22:40
So it's tricky because of inflation but off the top of my head I've worked out that if I wanted to take a 30k salary out every single year without running out of money then that would be enough money also accounting for inflation.
22:52
It's tricky because I used to be obsessed with retirement but now I really enjoy my work so I don't think that I would stop working but it's more just reaching that number so if I wanted to I could stop.
23:03
I really like the idea of work optional I think that the word is such a it encompasses everything that I want to.
23:11
I think I love working I love I love doing something that's important and that matters that helps people I so understand what you mean by that.
23:20
But optional means if I stopped tomorrow because a family member was second I needed to look after them I could do that.
23:27
Or I decide that I want to go and travel for a while because I want to see different parts of the world I could.
23:34
I like the idea of it being an option not a must and I think that when I look at all these people who are leveraged up to their eyeballs with enormous mortgages and expensive cars and all the stuff it's the house of cards.
23:46
If you stop working everything tumbles and I think the stress of that of needing to work to keep up with the lifestyle that you want stresses me out a lot.
23:54
Yeah.
23:55
I would love to talk about the moment in which you decided to step away from the 95 you know you you got a degree you went and worked in a fashion show room and you know you're working for somebody else.
24:08
You started your content creation on the side and I just want to know like what point did you realize that.
24:16
The version of success that you are working towards i.e. being in a 95 job didn't actually match the type of life that you wanted.
24:23
And how did you reconcile that with yourself to find a plan in a way out because I think there's a lot of people who probably are in jobs that they are like this is fine.
24:31
But is this really what I want long term the idea of leaving is terrifying so can you just walk us through how.
24:38
Where you were when you realized okay right this is actually not really what I want for myself.
24:43
Yeah and how you got yourself to a place where you felt emotionally and financially safe enough to step on to you know a new path.
24:52
Yeah so I started making content June 2024 and that was around the time that I'd been at the company for maybe two years.
25:02
And things were going well I'd recently had a promotion and I wasn't enjoying the job.
25:07
But at the same time there was certain elements that I didn't like I felt that I was being lent on almost like an intern even when I'd really surpassed that role.
25:16
So there were a lot of things I necessarily wasn't happy with.
25:19
So when I started posting content I had no intention of monetizing.
25:24
I was kind of just almost looking for an outlet because I was doing this every single day I wanted something that was completely unrelated.
25:31
So I started talking about money or personal finance and that was like a nice escape.
25:36
And I think it's quite nice because a lot of people start becoming content creators with kind of the big vision that they're going to put their 95s or monetize.
25:45
But at that time I had no idea that I'd even make a penny from it because it was simply just my first video was five things that I did in my twenties to get ahead financially.
25:54
So it was kind of just title very catchy nice work and it did really well.
25:58
But I sort of just did it for fun and then I saw that it did well and I saw that people had an interest in it.
26:03
So I kept going and then month over months like I did grow quite quickly like I'd say I got like 10,000 followers every few months.
26:12
So it's outrageous by the way. I think that there's not very many people that's happening too.
26:17
I think it is really hard I think to create a create content that's interesting and be that people want to watch and listen to.
26:24
So to have that kind of growth so quickly is amazing.
26:28
Thank you so much.
26:29
Yeah so I started to monetize slowly like my first brand deal paid me 200 pounds or something and then over time I started to increase my rates.
26:39
And then it was kind of actually around the start of this year that I started to see actual monetization.
26:46
So I wouldn't say I would say that I didn't monetize for the first six or eight months I made pennies and then after that I started to get proper brand deals.
26:54
And I think it was around the time that I got my first five figure brand deal where I thought this is really special.
27:02
This is like going somewhere and I started to get more and it made me think if I'm making this much money in this business that I'm doing myself and I'm really motivated to do versus working for someone else is fine and it's stable.
27:16
But I have to keep turning down events I have to keep jumping on a call in the toilets and stuff you know it's not ideal.
27:23
So in the end it became an opportunity cost where I thought if I'm working here like 40 hours a week that's 40 hours a week that I can't work on this thing that's you know generating XML income.
27:34
So I have always thought of myself as having quite good work ethic. So if I could work that hard for someone else what would happen if I actually went all in on myself.
27:45
So it was a risk but I was earning a certain amount and I made sure that I had a year's worth of emergency fund in case.
27:54
So that's what I'd say to anyone don't just like be impulsive and just think yeah I'll just quit my 95 because I think like coming from personal finance perspective it's really good to have those safety blankets.
28:04
So if I didn't make another penny for a year I knew I was going to be fine but I also knew like roughly how much I could be earning which at that time it was around 6000 or 7000 pounds a month on average.
28:18
From your content creation. Oh my god I would have lived from day one.
28:23
Yeah but I guess I didn't leave any sooner because I thought I just was scared and I would also come from that mentality that you should always have a stable 95.
28:32
And that it's too risky to go anywhere else because I also it's quite unpredictable you don't know what work you're going to get and they also pay you maybe sometimes 60 or 90 days after so yes I'm much more comfortable now and I've got a regular income but at that time I really didn't know if it would continue I thought I just got lucky.
28:51
How much did you decide you needed for a year? I honestly just saved my yearly salary I just saved 30k and I just thought let me just keep that in cash.
29:02
At the moment I keep around 10,000 pounds as an emergency fund and that's like maybe five or six months worth of expenses so I know that I'll be covered for six months.
29:12
And so when you decided to get to the 100,000 was that during the year that after you left your job you were like okay I'm going to start doing.
29:21
Was that a target you set for yourself? Like what?
29:23
Yeah so when I started posting content in June 2024 I had 50k in savings and I remember to stinkly because on earth did you do that?
29:32
Like honestly I spent 70% of my pay on rent.
29:36
Yeah that's the thing so I'd gone to university and notting them trend but part of my course was a placement year but it was around the time that COVID hit so I'd gone back home to do that placement year so I did two different internships
29:49
and I was able to save like more than half of my income because I was living at home and then after I finished my final year I came back home and I was living at home for two years
29:58
which I don't know I always try to make it clear my content but as I've moved out I guess it comes up less less and less but I want to make it very transparent that living at home is a massive advantage
30:09
and I never would have been able to save that had I been renting but no so I had saved that from working for two and a half years and then also doing the placement year
30:18
and also like side hustles and things like that I know I'd also done some modeling so it was accumulation from a lot of different things
30:25
so at the time that I started posting content I had 50k in savings and I never set out to talk transparently about my savings it kind of came up accidentally
30:34
because I was talking about 100k and why I gained 200k is like the magic number to gain rich because of compound interest
30:40
I'm sorry why is that famous investor Charlie Munger once said that you know it's going to be a challenge to get there and you should walk everywhere until you do because getting to that number means that after you reach that number
30:53
the next milestone becomes a lot less difficult or it takes a lot less time so if you think about your first 100k it would take a lot
30:59
most people maybe seven to eight years based on averages to achieve but then the next 200k would be quicker because they have that 100k to compound
31:10
or to do something with to buy property or you know because I guess once you have money it's easier to make more money but when you have nothing
31:17
it's going to take you longer so that's why I was so focused on getting 300k because it meant that was one step closer to getting to these larger numbers
31:25
so when I hit a million it probably won't feel as difficult as it did to save my first 10k or 100k and I don't know that makes no sense
31:35
because it's this massive number but you have to like pass all of these steps along the way
31:39
One of the things I wanted to know is you know you spoke about this earlier the idea of changing your mindset towards kind of being
31:47
obsessed with the saving changing your whole approach to money and how you spend what kind of sacrifices do you make or and how do you shift your mindset around that
31:57
so that it's actually not a sacrifice for example if you're saving 70% of your income you're probably not going out for dinners
32:05
you're probably not buying new clothes all the time you're probably not going on a trip with your friends how have you reconciled the sacrifices that you've made in order to be able to save more
32:20
what kind of mindset shifts have you adopted or like I don't know I think also are there times will you still find it hard or not
32:27
so it's a difficult one because I think when I was starting my savings journey or my content creation journey I think I was very frugal
32:35
like it all started at university when I was trying to budget my student loan and stuff like I think it all started there
32:41
and then from then I was very much in scarcity mindset and I was frugal but I think as I've gone on and I've started to like increase my income
32:50
I would say that my my lifestyle hasn't changed a ton I don't spend a ton more but now I just I don't feel like I'm sacrificing anything
32:59
but I think when I talk about these things things I don't spend money on their things that I don't I'm not depriving myself of them
33:06
it's a bit like a vegan that talks about not eating meat they don't miss it because they've made a conscience choice to not do it
33:12
or like a gym bro that's you know they they're talking about how they go to the gym but that's what they love they've got a goal and that certain thing
33:21
so I'm kind of like that and so I don't don't really buy coffees out I don't drink a lot of alcohol I don't buy many clothes
33:30
and if I do I often get them on vintage I don't unless it's full workpups is I don't get who business stuff I'd rather get the bus or tubal something
33:39
so but these these are all like very regular habits I guess that in this age of overconsumption they could be seen as frugal
33:47
but I would say that no matter how large my income gets I'd like to try and keep my lifestyle the same
33:54
because that to me is freedom because determining how wealthy or rich you are isn't about how much money you have is how much you want
34:02
if you want a lot of things and your income is small then you're going to feel poor because you feel a lack of buying those things
34:09
but if you don't want those things in the first place you can actually feel rich on a you know a normal salary because you have excess money
34:17
to do things to do extra things with so I think that being rich or all of that stuff is more about how much you want things
34:25
and I have tried to make it so that I don't want those things overall I just don't spend a lot of money I try to keep my lifestyle the same as when I was just on my 30k salary
34:35
how do people change what they want if they've already wanted lots asking for a friend do you have any advice for people who are already
34:44
unfortunately down the very slippery slope of buying lots of coffees out and getting ubers and buying clothes how can they try to pull back on those things
34:55
I wouldn't recommend just going on a no buy you know going from like shopping a lot to like buying nothing will feel like it says the cake thing right then all you want is the cake
35:04
exactly you're starving yourself of the cake totally I think it would be more about doing a low buy or changing your habits
35:11
so you know rather than if you get your paycheck and the first thing you're thinking about is all of these things that you could buy
35:18
making sure that you pay yourself first so buying investments that can feel exciting especially if you haven't invested before can feel like
35:25
came making this new step but you know after you've done that thinking about your budget and how much you have left this set aside
35:33
you can definitely still buy those things but I guess it's just like accounting for where they're going to go but in terms of not wanting to do them anymore
35:42
I don't know I don't want anyone to feel like they should stop being themselves but I love these things are designed to kind of get you
35:50
so I tried to see any kind of marketing or sales or like any kind of email newsletter I just some subscribe from it because
35:57
at the end of the day you as a consumer you you might want things and you might find value in those things but at the same time
36:03
like how many of those things just end up collecting dust or end up in a bag somewhere
36:07
it's always like the big companies are winning so I try to make it into a game and I just think like if I have bought something I've lost
36:14
not in a bad way but it's just like you know even on black Friday everyone thinks oh I got such a good deal but you didn't because that was all orchestrated for you to buy something
36:23
so I guess it's just like the easiest way to do is to just think of it as a game and each time you don't buy something you've won
36:31
because you've seen behind the clever marketing tactics and you can then put that money aside for your future
36:37
without having something that feels bigger than what you currently want so if you wanted like a new jacket thinking
36:45
you know what I kind of want to own my own home like I know that sounds too far in the future but that is kind of the way I see it
36:52
but brutality can go to the extreme or it can it's just not it's not a good way of life so I mean I like to follow this philosophy
37:01
called frugal chic and it's a way that I've always lived my life like I am frugal but I also care about fashion
37:07
and I care about taste and style and I think that you can be a mix of both like you can be very money savvy
37:12
but you can also care about living your life now I think it's just prioritizing certain things so
37:18
spurging on things that you know will last you investing in quality pieces like whether it's from the kitchen to like
37:25
nice bed linens like those are things to spur john but also recognizing that if you spurge on everything
37:32
and you have nothing left to save so maybe cut and cost elsewhere but that doesn't necessarily mean you can't
37:37
cost everywhere because that's just really miserable there are things that I splurge versus everyone I think like a luxury gym is worse
37:44
bludging on but I don't spend anything on alcohol because I don't like alcohol either I don't know why I keep falling
37:51
into the trip is spinning money on alcohol I hate it yeah I need to just put my foot down and be like no more
37:57
yeah I'm just gonna have a juice I don't know I just don't think you need it to have fun
38:02
that doesn't mean that I don't drink at all but I like to be flexible and if if the vibe is right I have a drink
38:07
but a lot of the time I just don't feel I need it and therefore that that usually takes up a big chunk of people's budget
38:13
I need some people spending 200 500 pounds an hour corn I just think me personally not not anything against them
38:19
but I could do so much so many different things with that money instead so I guess just working out what you value and what you don't value
38:25
yeah I think it's recognizing if you don't enjoy something and you're still spending money on it that makes no sense
38:30
you could definitely cut out the things that you really don't enjoy and then put that money towards things that you love
38:36
I think it'd be really helpful for myself to write a list of all the things that I spend money on and literally order it
38:43
because there's only so much money to go around I just find it so hard because I all of a sudden I'm like
38:47
oh well everything's important so how do I cut anything out that's the thing I find difficult
38:52
the one thing that I would say is that for me I have always been like moderate with my spending
38:58
but as I mentioned before not really on purpose just because I am that way
39:02
but I think that saving only gets you so far you know say if I was on two thousand pounds
39:07
like after renting everything I didn't really have much left over if I hadn't had a side hustle
39:12
and to be fair like I've always had a side hustle or something because I just like having an extra source of income
39:17
but if I didn't have that I wouldn't really be able to save a lot of money
39:20
so I think sometimes it's not about trying to cut things out it's about thinking
39:25
well if I do this extra bit of you know creative work or an extra side hustle
39:30
I could make an extra two hundred pounds or five hundred pounds and that
39:33
that means that I don't have to cut anything out that means I could use that money to save
39:37
so it is about being frugal but it's also about being entrepreneurial as well
39:42
that can help a ton and that you know I'd be lying if I said that that was
39:46
that was the reason that I got to a hundred can savings not from cutting out stuff
39:50
because my income wasn't very high it was purely just from increasing my income
39:54
but obviously how do I spend all of it then I wouldn't be able to save it
39:57
but I think the point there is trying to increase your income as well
40:02
what are a few little luxuries that make your life feel rich without a big scary price tag
40:08
yeah I want to inspire people that are thinking I don't know how to cut any of these things out
40:13
I don't know what to pull back on I want you know I feel like I don't have much joy in my life
40:19
and I feel like I'm worried if I cut back on what I spend that I'll be cutting that out too
40:23
what are some things that you think bring luxury or joy to your life but aren't expensive
40:28
yeah I think most of the issue these days is using social media and shopping as entertainment
40:35
if you think about most people's lives I'm not trying to say that I'm many
40:39
better because I do these things too but just looking at myself like we're on social media
40:43
to be entertained and then that drive like most content is driving you to buy something
40:48
then you use shopping as entertainment whether it's shopping through the new in on
40:52
like the ASUS Apple something like it's very easy for both those things to take up time
40:57
and that's a big problem like we can all agree that our screen time is really high
41:00
and therefore if we spend 9 hours a day on my phone's a problem
41:03
I was honestly the other day thinking I went from phone to laptop from phone to laptop
41:09
like I can't even imagine before they were screens
41:12
what were we doing I don't know honestly but like I I've tried to combat that in my own life
41:18
and think about activities at a low cost but really enjoyable
41:22
so like taking a bath I know not everyone has a bath but you know for those of you
41:26
I completely neglected mine for the first nine months of moving into my flat
41:30
and I thought the other day no I'm gonna light a candle and just really take my time
41:33
and it felt luxurious even though it was not you know ground scheme things not very expensive
41:38
or reading a book I love reading I will always you know try to be reading on the tube
41:44
or something I think that's quite a low cost activity
41:46
because you can even go to the library and get your books you don't have to like buy them new
41:50
also with clothing like I will always try to be convicted
41:54
because I feel like I just keep track of like expensive or premium brands and I just find them on there
41:59
so I think it's about cultivating a life where you're pursuing your interests
42:05
and you're pursuing hobbies and spending time with friends
42:09
and that doesn't necessarily have to equate with accumulating things or spending lots of money
42:14
You've spoken about gratitude and how it plays quite an important role for you
42:19
and I guess just like being able to be frugal can you explain how how gratitude
42:25
is something that we could all do more of to be able to perhaps spend less
42:31
Yeah I think frugality it can feel like deprivation
42:36
but when you take out that element and you actually see it through a lens of appreciating
42:41
what you already have it's so much easier to save money and not buy things
42:45
because you're just recognizing the value and what you already have
42:49
we're so conditioned to think that anything in our life can just be improved
42:53
and we're constantly it's almost like you know our problem solving
42:57
area of our brain is just like how can we optimise this and this
43:01
like this water bottle isn't good enough let me just get a new one
43:04
but actually just thinking most people probably have enough to be happy already
43:10
and that's like rich coming from me because I still buy things
43:13
like I still accumulate things but I try to just be aware of what I really have
43:17
because it's just a huge problem and obviously I'm over generalising here
43:20
but I would say that most middle-class homes have like a space problem
43:25
like having too much stuff to fit the space you know that stuff
43:28
one used to be money there is such a good point
43:31
yeah you've exchanged money for the things that you have
43:34
well and when it's just bags and bags of stuff
43:38
one thing that I think has really helped me is just decluttering
43:41
just like taking a weekend on the evening to just go through your stuff
43:45
and doing that you'll quickly realise you kind of already have too much
43:49
and I suppose that can help because if you sell that stuff
43:52
we give it away you kind of take the hit and you're like
43:55
oh you know I originally spent £100 on this I sold it for 20
43:58
you're just like you make better decisions the next time you shop
44:01
because you're like okay next time I'm not going to make the same mistake
44:04
could you speak about what invisible wealth means
44:07
and how you would explain that to someone that's never heard of the concept
44:11
and how or why does that matter to you more than visible
44:16
obvious luxury yeah I actually will take this from one of my favourite
44:20
books about money psychology of money
44:23
oh yeah we've done a podcast on it
44:27
I cheated but some very very important and amazing lessons
44:31
in that book for anyone that hasn't read it
44:33
yeah I love it I feel like I need to reference it more
44:36
but Morgan Housle in this book he talks about
44:39
wealth is what you don't see and I mean to paraphrase it completely
44:44
like it's basically this idea that if you see someone
44:48
with £100,000 car doesn't really tell you anything other than
44:54
that they're £100,000 less well off than when they bought it
44:58
if you think about it they've just spent that money
45:01
you know same with a handbag like if someone has a £10,000 Chanel bag
45:05
it doesn't really tell you anything about their financial circumstances
45:08
other than that they're £10,000 less well off
45:11
when they bought the bag or £10,000 more in debt
45:15
and it doesn't okay it doesn't always equates that
45:18
because there's a lot of wealthy people that buy designer goods or buy flashy cars
45:21
I don't you know disagree with that but I think that
45:25
when wealth is displayed for you to see that usually suggests that
45:30
that person is trying to prove something but the really really wealthy people
45:34
they almost don't want you to know that they're wealthy
45:36
because they're like have too much wealth they're trying to hide it
45:39
so the real wealthy people in my eyes are the people
45:42
that are at the gym at 10am on a Tuesday
45:45
or buy all of their groceries organic or wear tattered clothes
45:49
that they've had for 10 plus years
45:51
you know it's always the people that don't look like they have money
45:54
in my opinion invisible wealth is more about the amount of assets
45:58
that you actually have like your savings investments
46:01
that's a part that no one sees and what you're like me and you like to share it
46:04
but I think that's the stuff that truly makes a difference in your life
46:08
as opposed to the way other people see you
46:11
okay when researching for this interview me and I have to tell you
46:15
I felt like a total grandma because there was a phrase that I didn't know
46:20
that the girls who work at the curve told me about
46:24
I pick Gammie is that how you say it?
46:27
I pick Gammie I pick you how embarrassing
46:29
No it's okay it's okay
46:30
so that one I didn't know about it
46:33
can you explain what it is for anyone else that doesn't know
46:36
and how you came across it online let's start there
46:39
hypergamy is basically when typically as a woman
46:43
you would date a man for financial or social gain
46:47
so you would be in a relationship but other reasons other than just love
46:52
but when I discovered hypergamy content
46:55
I didn't know the name as well like
46:57
the name is not very obvious but it was more like these women making content
47:01
about never go 50-50 with a man
47:04
if you date a man he should be rich he should be paying for your entire lifestyle
47:08
and the arguments are quite compelling because if you think about it
47:12
there is an argument for it because as women we do so much more emotional
47:16
labour domestic labour and we have to work at the same time
47:20
so if you're living with a partner splitting bills with him 50-50
47:23
is it really 50-50 because is he also doing 50% of the workload
47:27
or if you get married and you have kids is he doing 50% of the child bearing
47:31
like it's impossible for it to be a 50 split of
47:36
fairness but hypergamy suggests that because men have traditionally been the providers
47:42
and that should remain the same because
47:44
I don't know I guess because they believe that that's the way the world is
47:48
and yeah for a while I thought that makes total sense
47:52
and I should follow this and so I think it just led me down a path of like
47:57
thinking that I could find financial freedom through someone else
48:02
I think if everyone's being totally honest most women have a low level
48:08
feeling even if they would never admit it that everything's going to be a little bit easier
48:13
when or because of somebody else you know it is really scary to feel like
48:19
young financially insecure and unsure on how you're going to get from where you are
48:23
to where you are to go when you have shows like Bridgerton
48:26
where there's these women that are standing there with their dance cards
48:29
going right your name on and you're waiting to be chosen to be picked to go
48:32
like I think that it's really unfair to assume that in a world where
48:36
we're now equal participants in the workforce and we're all earning money
48:40
that that just goes away like we've been fed that for centuries
48:44
that men also this is so heteronormative obviously now of course
48:49
but for the purpose of this conversation that men look after you
48:53
they go work to work and bring home the money I mean it's
48:56
so intergenerational yeah 100% I guess it's kind of weird if you
49:02
you grow up with like the opposite grow up thinking that everything has to be
49:06
split 50 50 and then you discover this content you're like
49:09
oh okay maybe maybe this is true and maybe it'll make my life easier
49:13
but I think I found that did you find solace and originally like when you first
49:17
found out we'd like okay this makes sense and I can lead into this
49:21
yeah and I think I think it also leans into that hating men rhetoric
49:25
it's quite easy to just be like men of the problem so therefore like
49:28
they can just provide you know just pay for exactly the issue
49:32
yeah they call so many issues I guess it comes from that mentality
49:35
but I don't know I don't want to bash anyone that has this mentality
49:39
or but I just found that it was personally coming from a place of financial
49:43
insecurity as you mentioned like I think when your salary isn't very high
49:47
you're just you know working London or at the time I was living at home
49:50
being able to like not that I do right now but being able to
49:54
maybe live by myself or rent by myself or like have this independent life
49:58
it felt so far away from what was possible so obviously now I share with my partner
50:02
but like if I if I wasn't I could potentially afford to live by myself but
50:07
when I was first getting into this content that was just so foreign to me
50:11
because I was on a low income and yeah and I just think potentially this
50:16
this rhetoric is attractive when you don't have a lot of money yourself
50:20
which is fairly common these days with the cost of living and stuff
50:23
I think if you're aspiring to more you're trying to grow your income
50:26
on being more entrepreneurial I think you quickly get out of that mindset
50:29
because you kind of realise that if I can earn that money myself
50:33
I don't really need anyone else to do it for me and to me like right now
50:37
I'm actually finds putting bills 50-50 with my partner
50:40
and I talk about it in my content but I kind of deliberately do
50:43
because I know that I get so many comments about because it's such a polarising thing
50:46
oh my god every time I was spoken about Slingville on the first day
50:50
this people scream the hell out of it or should they
50:53
if everyone has such an opinion on this particular subject
50:56
exactly and I just think yeah I'm of the mindset that if I let someone else
51:01
pay for something for me it means that my behaviour
51:06
all the way that I present myself has to be palatable for that person
51:10
as a reward or it would be an exchange
51:14
but in exchange for that like I can't then choose to get angry
51:19
or do certain things because you know they've done something for me
51:23
so I just find that there's a power imbalance there and I'd rather pay my own way
51:27
but I didn't like I said I didn't always use to think that way
51:30
I used to be very much in you know thinking that like a guy should pay for my rent
51:35
but I just don't think that's I don't think that's the most empowering thing
51:39
when you actually think about having your own finances
51:42
and going on your own financial journey if something went wrong
51:45
what you're going to do there's so much like financial abuse that happens
51:49
so I'd much rather be independent now but I know a lot of women
51:53
would have an issue with that too there's a bit
51:56
middle ground between someone paying for a date
52:00
or someone paying for I don't know dinner
52:04
versus paying your entire rent
52:07
but is there a do you do feel like it should be totally 50-50
52:12
so that you feel really like do you know what
52:14
if at any point in time I want to leave do this
52:17
whatever I know that you haven't paid for me to get here or
52:21
I don't know I'm just interested if there's like nuance to it
52:24
or if you're really hard and fast it has to be 50-50
52:27
because I know I'm actually like you said
52:30
so I would happily my boyfriend pays for dates
52:34
he's very much traditional in that sense
52:37
and like yes we do split bills 50-50
52:41
but if we do a grocery shop I mean maybe I should get split wise
52:45
but sometimes he'll just pay for it all and I'll transfer him
52:48
or sometimes I don't transfer him it's not very like black and white
52:50
but I would say that he pays for more
52:52
and I've even said in my videos it's more like a 70-30 split
52:55
for like non-essential things so if we just go out and do something
52:58
or he drives me somewhere it's his car so he's going to pay for parking
53:01
so there's a lot of ways that I benefit from the relationship
53:04
which could be seen as a more traditional setup
53:07
not only that like I also have access to like our shared credit card
53:11
he always says like you don't have to transfer it back
53:14
so I don't know a lot of women in my position would be like
53:16
oh yeah I'm just going to take that gun
53:18
go shopping or something but I just don't
53:20
I just find that if I want something I'll just buy myself
53:23
but I do like that he's he's able to treat me in that traditional sense
53:28
without it feeling like okay we now have to split the price of flowers you know
53:32
so would you say that the way you approach finances within your relationship
53:36
is more it's more equitable than it is equal
53:39
and maybe we could just explain that for people that don't really understand
53:42
because the 70-30 things quite interesting right like on average
53:46
men earn more than women
53:48
so if you're in a relationship where they're earning 40% more than you
53:52
does that then mean that you could wait the way that you pay for things
53:56
in a more of an equitable way rather than 50-50
53:59
so if I'm on 150,000 pounds and my partner's on 40,000 pounds
54:04
then perhaps I pay a little bit more because for me that's more equitable
54:10
I don't know if you have a thought on that
54:12
yeah I would say that I get towards the equal rather than equitable
54:17
because it's so interesting
54:19
because I'd rather split it down 50-50 and half
54:22
because like a year ago we were on the same salary
54:25
just to starting graduate salary
54:27
and then throughout this year I've been working in the evenings
54:30
mornings before work at weekends
54:33
you know I'm not calling him lazy
54:35
because like he's done like does a really high-powered job
54:38
but like he can just come home and sit on the sofa and relax
54:41
but I sacrificed my free time for a whole year
54:44
to be able to earn much more now like double why used to earn
54:48
so I don't know I don't personally feel like it's fair for me to pay more
54:54
because I worked harder
54:56
so that is so interesting
54:58
but it could be different like if then you know I'm a bit of a hypocrite
55:02
because then if I was dating a guy that was old
55:04
well one older than me earning six figures
55:07
I would 100% make him pay more
55:09
but this is okay I've literally seen this on the podcast
55:11
before and at the time I was in a relationship
55:13
and he was so offended by it and I was like
55:16
but and I couldn't figure out how to explain it
55:19
but I think you saying yes but you've worked so hard
55:21
it's not just about what's coming in
55:23
it's about what you've given up to be able to do that
55:25
and I don't know the idea of if I was earning more than my partner
55:28
but then I have to pay more as a woman
55:30
I just I'm like no
55:32
yeah but then if it's reversed
55:34
and they're earning twice as much as me
55:36
I would expect them to
55:38
and I know that's really hypocritical
55:39
but I just don't know
55:41
yeah I don't know if you have any thoughts on that
55:43
it's not hypocritical I think
55:45
like this sounds this sounds extreme
55:48
but I'd say that to go 50-50
55:50
with a man is generous enough
55:52
like we're doing enough by doing that
55:54
we're saying we're working hard
55:56
let's just go 50-50
55:57
if I start earning more than him
55:59
that doesn't make any sense
56:00
but if I was with a man
56:02
that was on a really high salary
56:04
then yeah I don't think there's anything wrong
56:07
with wanting expecting him to pay slightly more
56:09
because going back to the original point
56:11
that we have so many more things
56:13
that we have to pay for
56:14
period products
56:15
just everything is so expensive
56:17
yeah and our safety
56:20
you know if we go out
56:21
we have to get a new bit
56:22
like there is a lot more expense
56:24
to being a woman
56:25
something that I heard recently
56:27
which I mean it's not very relatable
56:28
to people who aren't creators
56:30
but as a woman you shouldn't feel bad
56:32
being a high earner as a creator
56:34
because in a way if you think about it
56:36
in a man's lifetime
56:37
his earning potential will only increase
56:39
as he gets older
56:41
whereas as a woman
56:42
kind of unstable
56:43
I don't really know
56:44
like is it just based on looks or youth
56:46
so my earning potential is very high right now
56:48
but it's quite risky
56:49
and I don't know if that will continue
56:50
or it will just decline over time
56:52
so you know maybe I'm not the peak
56:54
of my career and it will just slowly trickle down
56:56
and for a man it will just only go up
56:58
so I think that's a really good point
57:00
to end the idea of kids right
57:02
because if you do decide
57:03
you want to have children
57:04
and you take time out
57:05
not only are you not earning
57:06
not contributing to your investments
57:07
or your savings
57:08
but also trying to get back
57:09
in the workforce
57:10
it takes like 10 years
57:11
to get back to where you were
57:12
whereas for that 10 years
57:14
his salary is going up
57:15
and up and up
57:16
and up
57:17
I feel so inspired
57:18
about like going back
57:19
and ripping my entire budget apart
57:21
and genuinely looking at what I'm spending money on
57:23
because I am not buying any more Guinness
57:26
I refuse to buy any more alcohol
57:30
I need to go and do that
57:31
and really figure out
57:33
how I can be cutting back
57:34
be how I can be making more money
57:36
but I'm sure there's a lot of people
57:37
that are lusting and feeling really inspired
57:39
by the way that you think about your finances
57:41
and I'm very grateful
57:43
for how much you share publicly
57:45
for anyone that wants to find out
57:47
more about who you are
57:48
and what you do
57:49
what are all of the platforms
57:50
that they can find you on
57:51
I'm on a TikTok
57:53
Instagram, YouTube,
57:55
Substack
57:56
and I think that's it
57:58
Amazing
57:59
Thank you so much for your time
58:01
loved speaking to you
58:02
Thank you so much
58:03
Thank you so much for listening to
58:05
raising the curve
58:06
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58:07
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58:08
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58:09
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58:11
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58:12
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58:13
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58:15
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58:28
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58:29
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58:35
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