Latest / The Curve / How Gen Zs Do Money Differently, with Maddie Borge.

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How Gen Zs Do Money Differently, with Maddie Borge. · The Curve

• 0:00
  In this chat, we spoke to Maddie Borgay, who is a 24-year-old from Norway.
• 0:03
  She is a YouTube sensation and just like the most clever,
• 0:08
  investor, saver from a Gen Z audience that I've ever met,
• 0:11
  I was so impressed with the way that she approaches
• 0:14
  money and career and she gave us such an insight into how Gen Z
• 0:19
  are thinking about, how they grow their wealth and also just generally
• 0:23
  living their life because it's so bloody hard to get on the property
• 0:27
  letter or in a position where you're actually getting a head financially.
• 0:30
  So this was a chat with the generations, we learned a lot
• 0:34
  and if you would like to check out any of Maddie's channels,
• 0:36
  she is phenomenal, we'll link them in the podcast show notes.
• 0:42
  We're going to dive straight into hard-hitting questions.
• 0:46
  It's okay, this is the thing, Maddie, when we were thinking about this interview
• 0:49
  and we were planning what we would talk to you about.
• 0:51
  We were like, we're old and haggard.
• 0:54
  We're in our 30s and you're like a spring chicken.
• 0:57
  Like you're a different generation and actually I think that is the most
• 1:01
  interesting thing to speak about because there's all that we
• 1:05
  always joke about the boomers and you're probably going to start joking
• 1:09
  about the millennials and it's going to be awesome.
• 1:10
  Well we always complain, millennials have got it so much harder than
• 1:13
  boomers and then the Gen Z is probably like we've got it harder than
• 1:16
  even you guys and so I'd love to know from your perspective,
• 1:20
  what do you think that Gen Z is getting right about money,
• 1:24
  that like the older generation is just maybe haven't?
• 1:26
  That's right.
• 1:27
  Yeah.
• 1:28
  I think the first thing to say is just that we've been laughing a little bit
• 1:31
  of a funny position if that makes sense in regards to money
• 1:35
  because a lot of these things that were promised us
• 1:39
  by previous generations, by our primary generations, by the baby boomers,
• 1:42
  by the whatever and Gen X, whatever, they don't really happen for us anymore.
• 1:47
  Look at the price increase based on houses compared to what people are earning.
• 1:52
  A lot of these things that were achievable for older generations
• 1:55
  that were promised to us is like, yeah, if you work hard, you can achieve this,
• 1:58
  suddenly are kind of out of reach and so I think what a lot of
• 2:02
  Gen Z are figuring out about money is that maybe the principles of saving money,
• 2:08
  investing money, all these things that were kind of told to us don't really
• 2:11
  apply in the same way anymore because all these things that were promised us
• 2:15
  were out of reach even if you have a lot of savings, a lot of investments,
• 2:19
  it's almost like impossible to achieve all these things.
• 2:21
  And so what a lot of Gen Z are kind of finding out is,
• 2:23
  is it better to maybe spend money on little luxuries and live your life a little bit more,
• 2:29
  maybe go traveling a little bit more and spend your money on those kinds of things instead,
• 2:32
  instead of those old things that were promised to us that are now out of reach, if that makes sense.
• 2:38
  I also think there's an element of, back in the day, you used to get a good job,
• 2:43
  you'd work your way up the career ladder or whatever and then you'd be able to afford a house
• 2:48
  because those careers would pay well, you'd be able to buy a house, you'd be able to
• 2:52
  grow your wealth and accumulate wealth, whereas now I think the Gen Z, they're being quite smart,
• 2:58
  it's like you know what, the income to house purchase ratio is like so out of reach,
• 3:04
  so I'm going to go and create my own wealth, I'm going to do it on my own terms and
• 3:09
  well the ones that I know, like yourself, have built their own businesses,
• 3:12
  kind of masters of their own destiny because they're like, you know what,
• 3:15
  we just have to figure it out because things are so much tougher for us than they were for
• 3:20
  millennials and babes, but I caveat that with I reckon they're going to get an absolute
• 3:24
  win for with this generational wealth, this wealth transfer that's coming when the baby boom
• 3:30
  is passed away, I think you guys are going to get an absolute win for, so you're probably in
• 3:34
  the best position. But I think the thing that's hard about that is it, like not everyone's
• 3:39
  going to inherit well, you know, like not everyone is related to someone that's like the queen of
• 3:44
  a random country. I'm not talking about like billions and billions of dollars, but you're going
• 3:49
  to inherit, like your parents have a house, right, and if they've purchased a house, which a lot of
• 3:54
  people do, there's a lot of people with donate houses, but a lot of baby boomers do on their own
• 3:58
  house, even that is an asset from when they bought it to what it's valued at now,
• 4:03
  in the UK and New Zealand and Australia, the value of their asset now is worth a lot.
• 4:09
  Yeah, and that you know, these baby boomers and these previous generations have earned so
• 4:13
  much money on the increase of their houses as well, and the stock market's gone up
• 4:17
  phenomenally over the last like 10 years, sorry, I'm getting rid of this meme that I think
• 4:21
  this meme that's like, baby boomers buying, they're like dancing, like really shit dance moves,
• 4:26
  and they're like, bought my house for $3, $5, 3 million as is, just like so, it's so unfair how
• 4:33
  quickly they gained wealth and how easy it was for them in comparison to us, and then you guys
• 4:41
  are even worse, like I couldn't even imagine starting now or being early twinnies,
• 4:48
  that ginorm, like from where you are, to where you'd need to get is just like almost so unfedmable,
• 4:54
  but that's why it feels out of reach, you know, and that's why a lot of people I think,
• 4:57
  like if you decide, you know, maybe buying a house is not for me because I'll never get there,
• 5:01
  like I won't get there until I inherit some money or whatever from baby boomers, or you know,
• 5:05
  as you just said, you know, a lot of people are finding out that, you know, maybe there's ways
• 5:08
  around this, maybe I can, you know, instead of buying, I'll just rent and then, you know,
• 5:12
  instead of having all these luxuries that I was promised, maybe I'll do other things,
• 5:15
  you know, and maybe I'll go traveling or maybe I'll just do something alternative,
• 5:19
  that makes sense because literally what we were promised feels so out of reach.
• 5:23
  I'm missing the promised book. Can you explain that more?
• 5:25
  What you were promised, I mean, like when we grew up, right, like our parents were like,
• 5:28
  when you buy, like when you grow up, you'll be able to buy a house and you'll be able to raise a
• 5:32
  family and like these things that are like almost like the American dream, that makes sense,
• 5:36
  that they're promised around the world, right? Like you go to the university, yeah, you get a good
• 5:41
  education, yeah, get a good education, get a good job, work a few years, then you'll be able to
• 5:46
  buy a house, and now you realize like even if you have the best education in the world and the best,
• 5:50
  you know, job in the world, it's still so far away. And like even in the UK, I read some stats
• 5:55
  that were absolutely absurd the other day, but I think in the UK at the minute, 97% of first-time
• 6:02
  buyers get helped by 97%. That's absurd. So basically if you're trying to buy a house just by
• 6:08
  yourself, just by getting a good job, just by you know, you're in the three percent, you know,
• 6:14
  if you're not getting any like that's absurd and that's with the help of friends and parents,
• 6:17
  but still like all these dreams are at promise are kind of so far fetched and so people are having
• 6:21
  to find their way around it. And a lot of people are, you know, resorting to just renting instead.
• 6:26
  And that's not a great situation to be in, but you know, I've been there myself and I've been
• 6:30
  kicked out and it's not fun, but you know, finding other ways around it and spending their money
• 6:34
  in other ways. I think they'll probably be a bit of a shift towards, you know, when something gets
• 6:41
  so out of reach for so many people, there's not only like creative solutions that come into play
• 6:45
  of like, you know, buying with friends and like what you've done sort of, but I think there's
• 6:50
  probably going to be like, you know, what if it? I don't want to spend money, you know, all my savings
• 6:55
  and all my years building up and I'll just get resentful. People will just be like, you know what,
• 6:59
  I'm going to read and I'm going to, I'm going to grow a business, a business that I can take
• 7:03
  anywhere in the world with me and that's my way of growing wealth because I have control over it.
• 7:07
  Also are doing like, you know what, if this is so far out of reach and I'm having to work like
• 7:11
  these insane hours, it's not worth it. I would rather, you know, live to work, rather than work to live.
• 7:17
  If that makes sense, I think there's a shift there as well. We see that in like, maybe the Gen X versus
• 7:21
  Gen Z and Baby Boomers versus Gen Z where people, you know, are like, I actually want my weekends and
• 7:26
  I actually want to leave the office at five and I want to close the door and like be done with it.
• 7:30
  It's almost because working that hard doesn't get me anywhere.
• 7:33
  It's obviously a small minority that like, I just want to not work and have money.
• 7:40
  I mean, like, Emily, for example, she's Gen Z and she is so lazy.
• 7:44
  She is always going home at 3 p.m. She never answers her emails.
• 7:49
  She's also used to it. I mean, she's used all of a sec leave.
• 7:54
  No, but I know what you mean. It almost makes sense, you know, when there's a lot of like
• 7:59
  complaints about the younger generation being lazy and shut and not working. Like, let's be
• 8:03
  honest, it's everywhere and you guys are so sick of hearing it. But then if you flip it and you
• 8:08
  think, well, it makes sense why Baby Boomers and then Gen X and Millennials worked so hard
• 8:13
  because it did actually get you ahead. Like, there was the element of like, you work super hard,
• 8:18
  you earn more money and you could do things like buy a house and then be kind of set financially.
• 8:23
  But because it's so far for you, you kind of like, why would I sell myself for my job?
• 8:28
  I think we're the stupid ones. We're the millennials. We're the ones in the middle.
• 8:33
  Where? We work hard. We work hard, but we still don't get
• 8:39
  the house or the assets. Whereas you guys are like, screw this. I'm going to cave my own way
• 8:43
  of my life and the way that I want to live. The Boomers are like, we had to do the nine to five,
• 8:49
  and we're stuck in the middle going, do you host me copy? Do we do the nine to five and get, no,
• 8:53
  we're or do we do it? Yeah, we're just the computer. So what would you say like Gen Z in general?
• 8:58
  You know this idea of getting a bit more creative, what you think about your life, like the idea
• 9:02
  of investing in travel or investing in experiences, and what other trends or ways do you think
• 9:09
  that Gen Z is starting to spin their money or think about their life? That is different from
• 9:14
  generations before. I think other than what we just talked about, which is like,
• 9:18
  prioritizing life before work a little bit more, I think people are spending their money on
• 9:26
  more like themselves and their development, you know, because if you can't buy a house or you can't
• 9:30
  buy a car or whatever, then it's more like, okay, what can I do for me? It's the little luxury,
• 9:36
  that's one of the things, which kind of, I mean, there's this rise. Like getting a nails done,
• 9:39
  what is a little luxury? A little luxury is like a little treat, and that's why we see this really
• 9:43
  high increase in discretionary spending on things in a generation that doesn't have as much money
• 9:50
  as the previous generations. So you can spend a lot more money on a matcha, a five-pan matcha day,
• 9:55
  or getting your nails done as a little luxury for yourself or a little designer bag, because you know,
• 10:01
  buying a house or like saving up for these things, like even if you, you know, put all your money
• 10:06
  into it, it doesn't really matter in the end, because it's so far afatched, if that makes sense,
• 10:10
  that's the case of all anyway. So there's a kind of like, I'm trying to think of a new example,
• 10:14
  let's say, I want to be a comedian, and I've tried a few stand-ups and nobody laughs, and I'm like,
• 10:20
  do you know what? There's actually, I'm so far off from being a comedian that I'm, okay,
• 10:26
  this is a terrible example. I'm trying to think of an example. It's basically, though, it's
• 10:31
  like the idea of why even Bolver, because it's so far away, so out of reach for me, that actually,
• 10:37
  like, it's not even a stupid decision to buy a designer handbag, because there was no way that
• 10:42
  was going towards a house anyway. Exactly. Do you think there's a balance, though, because I think,
• 10:46
  and I'm, I have no sets to make this up, but I feel like a lot of people might slip too far
• 10:54
  one way and be like, poor me, poor me, I'm just going to spend all my money, you know, and there
• 10:59
  is an element of, and you know, even just being a content creator, sorry, not even being just,
• 11:05
  but like even being a, if we take a career, you know, you have to put in the work to get the juice,
• 11:10
  and it's like with anything, like if you want to achieve a house, if you want to invest,
• 11:14
  like a take sacrifice, and it takes hard work, like nothing kind of comes easy, you're there,
• 11:19
  like you're talking to your mum, sorry. No, but I think, you know, we're talking really broadly
• 11:24
  about the generation, I feel like, you know, I'm, I'm not giving them shit, it's just like,
• 11:29
  it's just the broad terms, like the generation are seeing a lot of these things in society,
• 11:33
  and therefore it's affecting our spending, but still like, there's so many gensi who work hard,
• 11:38
  and a lot of us are still saving, you know, and we understand the importance of that. But I mean,
• 11:42
  like I think when I'm talking about being a content creator, and a lot of people think it's easy,
• 11:46
  and then you, you actually see someone that's good at it and successful at it, and you see the time
• 11:51
  that, if it's the dedication that goes into it, and I kind of feel like maybe social media has created
• 11:56
  that for people, it's like you can have this life, and spend money on all the little things,
• 12:02
  but it's like yes, but you also have to be putting in the hard work if you want to create wealth.
• 12:08
  Does that make sense? Like, well let's chat about how you think about this, like in terms of your
• 12:13
  career, in terms of how you think about saving and investing in the house, like you've obviously
• 12:16
  had an experience you just mentioned before, like with getting affected, so like let's start there,
• 12:20
  because I think understanding your mindset, you obviously work hard, and you care about your
• 12:25
  financial future, but you're also trying to live your life. I feel like I mean, I'm in this
• 12:30
  funny situation where I was raised in a very like family that speaks a lot about like money,
• 12:35
  and like the minute I started earning money, when I was like delivering newspapers on Sunday,
• 12:40
  there were like, you better save that money, you know, because one day you'll be able to buy a
• 12:43
  house, keep in mind this was when I was 13, right? It's like 12 years ago now, but it was always like
• 12:49
  in breaded, and breaded, and I was going to sell it in my mind that I had to save my money,
• 12:57
  and so I've always been like a saver from the very get-go. However, the older I've gotten,
• 13:02
  the more I've realized that like these things, as I've said, like buying a house, especially in the
• 13:07
  city London, which is ridiculously expensive, is further away. And so, you know, I was saving
• 13:14
  and investing my money for a very long time, just because I knew it was important. Why? I was
• 13:18
  saving and investing my money. I don't know. I just knew that like, you know, eventually I'll come
• 13:22
  to a point where maybe social media won't be as profitable anymore, and it's just nice to have
• 13:25
  savings, because it was better in my mind that I had to have savings. And I remember like a few years
• 13:30
  ago, like I was listening to this podcast where this guy who is like a financial advisor in the US
• 13:36
  was saying like, you know, technically right now renting could be a better solution than buying,
• 13:40
  because you know, S&P 500 and the index funds, you know, increased so much more than the average
• 13:45
  price of a property. So technically, you know, it could be better to just invest your money and live
• 13:49
  live your life that way. And so for me, when I was looking at the house price, I was like,
• 13:53
  Jesus, like either I'd take out a massive mortgage, and I save for 10, you know, 15 years,
• 13:59
  and I buy or, you know, I go this other route, and I kind of live the more Gen Z way, which is like,
• 14:05
  you know, you invest, you save, and you spend a little luxuries and like you have a good life.
• 14:08
  Maybe that means you won't be able to buy a house. I mean, when you're in your 20s, for example,
• 14:13
  or when you're in your early 30s, but it's not a bad life either. It's a different way of living
• 14:17
  because buying has become so unachievable if that makes sense. However, I had a situation two years,
• 14:24
  two and a half years ago now where, so I'm a renter and London, I'm still a renter. We had been
• 14:30
  renting, I mean, my boyfriend had been renting our flat for a few months.
• 14:34
  Flat hunting and London, I don't know if you guys have been through flat hunting and London,
• 14:38
  but it is horrible. And yeah, so we had been flat hunting, prior to getting this flat for roughly
• 14:46
  three months. We knew we wanted to move in together. We knew, you know, fresh out of uni,
• 14:51
  like that would be the best financial decision as well, because, you know, two earners, one
• 14:56
  bed flat, like it's a better way to find, like it's the cheapest way to run, essentially.
• 15:01
  We're looking at properties literally could not get a single flat. We were bidding, we were in
• 15:06
  five bidding words, I think, for properties, which is now becoming illegal, by the way, thank God,
• 15:11
  but yeah, when they bid up the rent, because you're trying to get it so bad. I mean, not just the rent,
• 15:16
  like I'll buy you a sofa and I'll buy you a table. Yeah, there are people who are like, I don't
• 15:21
  like the sofa, but I'll buy you a new one. Oh my god. And I'll pay a hundred extra a month.
• 15:25
  Oh my god. And I'll pay up. Imagine being a landlord, you'd be like, come to me, you're like,
• 15:30
  she did replace the catheter, like the walls. Actually, that's what we had to do in the end.
• 15:36
  Like it was absurd. Like the amount of like bidding was we went through, you might be
• 15:40
  refreshed out of you. What was the weirdest thing you offered? I mean, I think we offered to like
• 15:45
  change the dining table and the sofa and we still didn't get the flat. Should have offered to
• 15:49
  slightly toes or something. Well, you're going to say something else. I was like, visa.
• 15:54
  Remember the age group we're speaking to here, suck your toes. Yes, toes, good time.
• 16:01
  But yeah, like wow. And we were two fresh out of uni graduates. So we're already in that like
• 16:06
  on bad position, but like, I mean, the things like people with animals, people with kids,
• 16:12
  like it's it's super discriminatory. It's ridiculous, right? So this is the seat of the rental
• 16:16
  rental flat market in London. And it's horrible. And I never want to go through again. However,
• 16:21
  eight months into living in this flat, which we finally got after three months of flahunting in one
• 16:26
  year of basically not having anywhere to live. We were so happy there. We were thinking of staying
• 16:30
  there for like, you know, two years, three years. And we'd literally just like finished putting up
• 16:34
  like our last picture on the wall. We'd get an email from our landlord saying hi. So you have to
• 16:42
  leave. I'm bang. I'm selling the flat basically. And we were like, what? No, but we're supposed to
• 16:48
  stay here for two, three years. And so we had to leave at the end of our contract. And the whole
• 16:56
  reason we signed, and this is partly on me, but partly on, you know, the situation, we signed a 12
• 17:01
  month contract on the flat. We ended up leaving after 11 months because you wanted us out quicker.
• 17:05
  But we signed a 12 month contract because he said that he wanted to raise rent every year with
• 17:11
  inflation. This was when inflation was 10 12 percent. We were like, okay, we'll just get the flat,
• 17:16
  you know, and then turns out that backfired on us. And we had to leave super fast. So yeah,
• 17:23
  we were back flat hunting. Didn't want to leave the flat. Had to go flat hunting again.
• 17:28
  It ended up in more bidding wars. Like it was just not a fun situation. And this happened,
• 17:33
  and you have to move against your will. And you're kind of just like in this like, I don't want
• 17:37
  to leave. I have to flat hunt. Nothing's on the market. More bidding wars. You just end up in
• 17:41
  this situation or mindset at least where you're just like, I don't want this to happen ever again.
• 17:46
  It feels really unsafe. I think you feel like, yeah, you're always being taken away from you.
• 17:51
  You know, and you don't have a choice. And we were like, we loved our neighbors. Like my upstairs
• 17:55
  neighbor became one of my like best friends and like our neighbors were so nice. And we had like
• 18:00
  monthly, like, get together. And it was like the best neighborhood, the best flat. Like I
• 18:04
  loved it there. And suddenly it was like, no, you have to leave within two months.
• 18:08
  And imagine if you had a family or you weren't your poor house.
• 18:11
  Or like you had a really school there. Like this was, you know, there was no other flats available
• 18:15
  in this little neighborhood. So we ended up having to move. We flanted for like a monthly
• 18:20
  found something really quick, which was nice because I just wanted to like get over with it.
• 18:24
  I don't think here if there's no exercise it because you just want something. Exactly, exactly.
• 18:28
  And our next slide is really nice. And I really like it there. But because of this situation,
• 18:33
  which was like not traumatic, but definitely not fun. You know, I was like, I changed my mindset
• 18:42
  from, oh, I'll just be a renter. You know, it's fine. Like renting is fine too.
• 18:46
  Wow, I really want that. I really want to have that security of buying a home and no one
• 18:52
  being able to take it away from me. If that makes sense. So that's the reason I kind of shifted
• 18:56
  my mindset of, you know, I'm saving just to save and full generational wealth or whatever I was
• 19:01
  thinking to, oh, okay, I'm saving to buy a flat. That's my next goal. That makes sense. And that's
• 19:06
  what I've done in the past two and a half years ever since. Wow. Yeah. So it's a very long story.
• 19:12
  But you're going to be buying a house soon. I don't think I can. Sorry, I'm sorry, I flex.
• 19:18
  I kind of use it as a like, but like that's incredible. And you're 24 and you're in London.
• 19:23
  Yeah. Wow. I'm trying. Yeah. It's amazing. But even trying. You've got that goal. Yeah.
• 19:28
  And you seem like a very determined person, sort of. How do you teach your audience about that?
• 19:34
  Given the fact that a lot of them have a different mindset. And how do you speak to them about,
• 19:39
  like, A, your decision and B, how you're, how you're making your savings and your investments grow?
• 19:43
  I mean, this is the difficult thing as well. Because I think when I talk about, you know,
• 19:48
  saving for a house, it already is like not a dystopian topic. If that makes sense. But like, yes,
• 19:53
  I'm in my 20s. I'm in my mid 20s. I probably won't be able to buy until, you know, I'm 2526.
• 19:58
  We'll see when it starts itself out. But, you know, when I talk about this, it can trigger reactions
• 20:04
  from my audience because it feels very distant. If that makes sense, like someone actually being
• 20:10
  able to buy in London, when you're 2526, when the median age or like the normal age to buy is
• 20:15
  what? Like 34 or something like that. And it feels very unachievable. So I think like
• 20:22
  starting with a little bit of caution of that makes sense. Like, I'm very lucky in the way that I
• 20:25
  have a partner who I'm going to buy with. And we have two incomes. So we're double income. And we
• 20:30
  both have like relatively high salaries for our age. So we're like in a very privileged position
• 20:34
  to be able to buy. So I think like emphasizing that one. But also when I talk about how I actually
• 20:40
  save a lot of these things can be done whatever salary you're on. And I have been saving money since
• 20:46
  I started working 10, 12 years ago, how long it's been now. And I started saving these ways
• 20:54
  when I was earning much less than an average salary. I was still living at home with my parents.
• 20:58
  And I was earning, you know, less than 10k a year. Just doing like my old jobs here and there. And
• 21:03
  yeah, part time gigs and whatever. So you can start doing these things no matter what salary you're
• 21:08
  on. But I understand that buying in itself can feel a little bit touchy as a subject. But I think
• 21:14
  just sharing like I see even high yield savings accounts. And I use index funds. And I have my
• 21:18
  stocks and shares. I say and saying all these things is just general useful things to know no
• 21:23
  matter what position you're in. And what money systems do you personally swear by? Like when
• 21:29
  in terms of like automatic savings or giving yourself money. How do you speak to? I have a few things
• 21:35
  I've loved here. So I mean, the first thing I do in this literally started when we got kicked out
• 21:40
  of the flat because I was like, wow, this is not it's on. You know, because I'm the next time I move,
• 21:45
  I don't want to go through this ever again. So I wanted to make sure that like, I mean, I don't
• 21:50
  know how long we're going to stay in the current flat. We have a very flexible landlord. I'm
• 21:52
  a bit staying there for two and a half years now. Hopefully we'll stay there for longer. But
• 21:56
  I knew that I had to be like I had to actually double down on saving. And so the first thing I did
• 22:02
  when this all happened is every single month after I get paid, I pay myself first. And what that
• 22:07
  means is like, I know roughly how much I spend every month. But to be able to save as much as I
• 22:12
  would like to, I always save first. For the minute I get my salary, I put, you know, X amount
• 22:18
  into my socks and shares, I say X amount into my high old savings account. And then I put my rent
• 22:24
  payments into another separate account as well. Just so that's kind of covered. And then everything
• 22:29
  else that's kind of discretionary spending on food on everything that's kind of variable every
• 22:33
  single month. That's whatever is left in the back account. That makes sense. And then I mean, now
• 22:37
  I'm getting paid in like a few days again. And then I have to take all the money out. But like,
• 22:41
  now I'm noticing that like, oh, I'm running a low on money. Luckily pay days soon. The minute I get
• 22:45
  my money again, money goes out straight towards saving. And then the run start kind of starts again.
• 22:51
  And what's good about this way of saving, like paying yourself first, essentially, is you don't
• 22:56
  save what's left after a month of spending. You save what you have first. And so now I'm
• 23:01
  noticing, oh, running a low on money, I can't buy a bag now or I can't, you know, go out and get
• 23:06
  this really expensive meal because I'm low on money because I saved first. Yeah. And a lot of people
• 23:10
  do the opposite, right? Yes. That's the normal. I've got no money to save. It's like, it's very
• 23:14
  easy to lifestyle creep. It's so easy. Yeah. Where's the human? You can't just live on anything.
• 23:20
  Like, I mean, it's $10 million a month salary out of just today. Pretty close.
• 23:26
  You know, like, I think we can plan a bit about how much we get paid. And we're kind of like,
• 23:30
  oh, how are we going to make it work? It's like, hmm, there we could. There was a time when you
• 23:33
  didn't have this. Yeah, yeah. There was a study that I don't know the exact figures, but just
• 23:39
  of it was that they interviewed people on like $10,000 a year and people on like $10 million a year.
• 23:45
  And everyone says that they could have 10% more or if they could have, I can't really exact
• 23:51
  percentage, but everyone at those different levels wanted more. Yeah. And it's like, there's
• 23:56
  never a level where you're like, cool. Now I can sustain my lifestyle because that lifestyle
• 24:01
  does always. Yeah. Lifestyle inflation. I think it's saving first. Yes. It's like the fact that
• 24:07
  you even know it. Take it out. You get your mind. Just take it out. Like, let it disappear
• 24:11
  from your bank account. And then you don't see it again, you know, until you decide to touch it
• 24:15
  and take money out to do whatever it back. Yeah. Have you thought about or do you often call
• 24:21
  your parents and just say, thank you so much for what you told me because I look at you who is
• 24:28
  literally if you're a third younger, that's the weirdest way I've ever worked out. You're a whole
• 24:33
  decade younger than me. And to think you know and are implementing everything that I've really
• 24:38
  only just learned quite late in life. Well, what feels late in life is so impressive. And surely
• 24:45
  that's majority, I mean, it's due to many things including like you've had a business. And
• 24:51
  I think when you earn money from a young age, you probably start thinking about those things more.
• 24:57
  But still, it's probably a huge influence from your parents. I think it's definitely a big
• 25:01
  influence. And I feel very lucky in the way that my family, it was always like a topic we spoke
• 25:07
  about. And I think, you know, what you talk about in a family setting impacts your decisions
• 25:12
  later in life. And when I started earning money during my part time job of handing out newspapers
• 25:16
  and when I eventually started earning money on social media, you know, the first thing that said
• 25:19
  were just to save it, you know, because you have no use for it right now. Just save it always,
• 25:23
  always save first because you're going to thank yourself later. And that, you know, even though it
• 25:28
  might have been a small thing, then that kind of mindset has impacted me all the way through my
• 25:34
  life. You know, my parents didn't teach me about investing and they didn't teach me about credit
• 25:38
  cards and all that. That's things that I later in life have kind of read up on and researched
• 25:44
  about because I had this interest for saving. But that again, this whole mindset comes from the
• 25:49
  fact that I was raised in a family where we always talked about saving and the importance of it.
• 25:54
  And, you know, like not using all your money on things for yourself, but always being like,
• 25:58
  you can spend a little bit, but then you save most of it. And that's always been a principle that I
• 26:02
  kind of had since I was young. But how do you like, I think, for a lot of young people, the whole
• 26:07
  instant gratification, delay gratification is such a hard thing when you're young and you,
• 26:12
  you're impressionable and you want to, you know, you want to buy the nice things and you want to
• 26:16
  be involved, you want to go to the parties, you want to go to the dinners, like the holidays. How
• 26:20
  did, how do you mentally, I guess, adjust that? I guess what advice would you give others?
• 26:24
  Because it's easy to say, you know, save before you spend. But for a lot of people, there's that
• 26:31
  like pull of like, oh, but I want to be included and I want to be liked and I want to be, yeah.
• 26:35
  Yeah, I mean, I want to look cool. Yeah. And I get it. Like it's, yeah.
• 26:39
  I mean, we've, I still feel the same. I know. I'm on my high voice now. I'll be like, save
• 26:43
  money, but back then, gosh, but even now I still find myself being like, yeah, I'm going to
• 26:47
  suddenly, I want to go, you know, and I'm like, I'll afford it. And, you know, it's like a constant
• 26:54
  battle. I think it's, I think our whole life, like, you know, you're saying before,
• 26:58
  everyone always wants 10% more. Everyone's probably always going to have the sacrifice,
• 27:01
  like in your 60, but I think when you're, when you're older and a bit more mature,
• 27:06
  if someone's like, oh, I'm saying perhaps you're like, amazing, when you're younger,
• 27:10
  it's like that, you know, like the, I guess the, the importance isn't quite there or the
• 27:14
  understanding from your friends is probably not there. And all you see is they're not having fun.
• 27:19
  And also, I think social media plays a big part in that. Exactly. Yeah.
• 27:22
  You know, a lot of people are getting into like credit card and over consumption at the minute
• 27:28
  because like even though you kind of have everything you need, you see all these things online
• 27:32
  and you're like, I want that and I want that. And as an influencer, you know, this is part of my job,
• 27:36
  not necessarily over consumption, but like being in this world of social media and consuming so
• 27:40
  much content, I see how that can affect people's decisions. I think kind of how I have always
• 27:48
  thought about money and what I, what I receive and what I spend and stuff like that is you can
• 27:52
  be addicted to shopping and spending where you can also get really addicted to saving. And I heard
• 27:58
  this girl talk about this on TikTok the other day and I was like, wait, this is what's been the
• 28:02
  case for me for so long because I think like in a weird way, I've always become a little bit
• 28:07
  addicted to saving in, in like the way that I see my money grow over time. I'm like, yes. Another,
• 28:15
  you know, 500 pounds saved towards buying a house. I only have this left now. You know, it's like
• 28:19
  and then now I added another 500 pounds. And then, you know, we're this much closer and I see the
• 28:23
  like, so basically I have a lot of systems to keep me like accountable for saving my money. I have
• 28:29
  like a whole notion page where I keep like truckers and they have like progress bars on them.
• 28:34
  So like, I mean, this is how you get addicted to saving, right? It's so fun. You always need to
• 28:39
  gamify it. Yeah. Exactly. Like marketing, you know, like you gamify your spending, no, sorry,
• 28:44
  you're saving in the way that like, so this way, it becomes almost as fun to save because you're like,
• 28:49
  yes, I'm this much closer. Let's go or you do it for a trip and you're like, yes, I only have
• 28:54
  200 pounds left to be able to afford these flintickets or whatever. You gamify it. You make it
• 28:58
  really fun. And every time you put money towards it, you see that money grow, you see the money
• 29:02
  increase and you become like excited about it. If that makes sense, in the same way that you
• 29:07
  would get excited about buying this new dress or buying this new the core piece or whatever.
• 29:13
  I am totally understanding because I was like that with my emergency fund. I had a goal and I
• 29:17
  kept seeing every month going up and I was addicted. It's a little addicted. Yeah. Exactly.
• 29:23
  But the other is there is there the the the issue with once you reach that goal that you don't
• 29:29
  want to spend that money. You know, if you're saving for a holiday or you're building up your
• 29:33
  emergency fund and then you're like, now I've got an emergency but I don't want to spend it
• 29:36
  because of my goal. I mean, for my emergency funds, I keep a lot of these funds because I found
• 29:41
  this this way of kind of like gamifying it and like having these like progress bars and having
• 29:45
  these goals are the best way for me to say because it makes it the most fun. My I actually had to
• 29:50
  take out of my emergency fund the other day because I had I don't know how this happened but I managed
• 29:55
  to like mess up on my credit card bill, which is like I did never happen before but I don't know
• 30:01
  how it even happened. I think on holiday, I must have just missed the deadline and I actually had
• 30:05
  interest for the first time on my credit card bill was sucked because I, you know, I never
• 30:09
  spent more than I earned on my credit card and I've learned all these roles throughout the years
• 30:13
  that like never spend more than you earn. You always pay it in full by the deadline and I think I
• 30:17
  just missed the deadline by like a day or two. Suddenly I had this interest bill and I was like,
• 30:22
  oh my god, oh my god, when have I done? What have I done? And I ended up actually taking out
• 30:25
  of my emergency fund just to cover the interest because I wasn't prepared for this interest to be
• 30:29
  added on and I had the whole I had all the money to pay the credit card bill down but I didn't have
• 30:34
  the money to pay the interest down. And so that's something actually I did for the very first time
• 30:38
  because it was a little bit of an emergency and if you don't pay your credit card bill down,
• 30:43
  you know, that increases very, very fast. I just wanted to get it done and just out of my life but
• 30:48
  I don't touch my emergency fund very rarely ever. However, for my like other funds, like my travel
• 30:52
  fund when I actually have that money, I get what you say and like it's, it can feel like scary to
• 30:58
  touch it but also I find that when I have a travel fund or a travel account that I've saved up
• 31:04
  and for the past months, it actually makes me feel better about saving, no, spending money on
• 31:09
  holiday because instead of like, oh gosh, this apparel cost me, you know, 15 euros. Oh, that's
• 31:16
  so much money. I'll be like, no, but I have this, this bucket of money in my savings account for
• 31:21
  this trip, you know, this is bring me six. Literally, this is what I saved up for like having
• 31:26
  a good time on this holiday. I've been saving up for this for the past few months. It makes me
• 31:30
  feel better rather than having it go out of one salary and be like, no, that's too much.
• 31:36
  You have the most impressive mindset you want saving and missing. Like it's really amazing.
• 31:41
  I'd love to know the different funds that you have that you put money towards and also the
• 31:45
  percentage of your overall monthly salary that goes towards saving and missing. But right now,
• 31:49
  it's a lot and that is mostly because one, you know, I'm in this very privileged position where
• 31:55
  I'm a very young age and I have a high salary because of social media. And I understand and
• 32:01
  this was also, you know, this is again, I thank you to my parents for, you know, telling me this
• 32:05
  very early on, but over the years and because of my parents and their understanding about money
• 32:10
  and saving, I've known that this career is not forever and the income that I have now is not
• 32:15
  going to be forever. And so I've always made it priority to live below my means. And so therefore,
• 32:21
  right now, I think I save like 50, 60% of my salary at the minute.
• 32:26
  Holy yeah. Shit. That's a lot. But it's also again, because I know that at one time or one point in
• 32:33
  time, I won't have the salary I have now. And so if I can save and invest the majority of my salary,
• 32:38
  I will ensure that my kind of way of life right now kind of keeps going if that makes sense.
• 32:45
  As you're, when you say 60% is that for things like short-term saving like travel as well as
• 32:49
  long-term investing or are you thinking in terms of like long-term investing? I mean, right now,
• 32:54
  I'm really only saving towards buying a house. So 60% is going to be there. Yeah. But this is again,
• 33:00
  like I have to kind of, I have to preface this by saying like, I know that that's not normal.
• 33:04
  And my partner is not in this position because, you know, he has a salary, but he also,
• 33:09
  he works in a job where eventually his salary will increase over time. Me, I'm in a different
• 33:13
  position because, you know, as an influencer, as a content creator, your salary is often the highest
• 33:18
  when you're in mid-20s, you know? And once you, you know, either decide I'm not going to continue
• 33:23
  doing this anymore or the tides change or, you know, your content interest isn't performing as well,
• 33:28
  that money decreases, you know? And I want to be able to set myself up for a life where I won't
• 33:36
  have this type of income anymore. And so therefore I'm saving such a high proportion because I have
• 33:40
  this ability at the minute to save that much. So that's partly one of the reasons. But even that
• 33:45
  mindset, right, of being like, okay, he can't contribute as much because his salary is going to grow.
• 33:51
  Mine's not going to grow, or it's at his peak now. I think even just having that mindset and not
• 33:56
  a lot of people in your position would be like, woohoo, this is amazing. This is going to continue
• 34:01
  and going to keep growing. And I'm going to be earning three, four, five times my salary,
• 34:05
  if this is the rate I'm going at my tweenies, like, which could happen? But, yeah, yeah.
• 34:09
  I think, will your parents ever, like, they obviously taught you a lot when you went into content
• 34:16
  creating? Were they ever like worried that you didn't go down the more quote unquote,
• 34:21
  traditional route of a career path, like in an office or professional seating? Were they kind
• 34:26
  of a bit concerned? Or did they see the, yeah? But I mean, so this is the, like, before, so, okay,
• 34:32
  when I was living at home and I was doing this on the side, they were very comfortable with me
• 34:36
  doing this on the side. Also, like, different world, like, my siblings who are a lot younger than
• 34:40
  me aren't allowed on social media. But I was just this, like, kind of, guinea pig because I was the
• 34:44
  oldest, you know, like, new generation, like, I'm 2000. And I think you'll see it as well, though,
• 34:50
  like, I mean, I even see it for people who are like three years younger than me. This generation
• 34:54
  are kind of just like born on social media. That makes sense because we were the first guinea pig.
• 34:57
  And we kind of, like, this is actually, yeah, no, but like, especially like the, like,
• 35:02
  2000, 2004, like, that whole age group, like, I think we just, we kind of were thrown into social
• 35:07
  media as, like, middle schoolers. If that makes sense, or like, late primary school. And we kind
• 35:13
  of started using it, you know, and just like, no rules. If that makes sense, or like, I was just
• 35:17
  posting YouTube videos. And my parents just like, oh, what, what is that? You know, and I was just
• 35:22
  doing it. And now, like, my siblings who are like eight years younger have rules on social media
• 35:26
  uses. And you have to have a private cow and like, whatever. But I didn't have that. So I think
• 35:30
  when I started earning money on social media, they were kind of just like, oh, cool. You know, I
• 35:33
  didn't know that was a possibility, but good for you. You know, save the money and put it towards
• 35:37
  like, later in life. But, you know, just do that. And you'll be good. However, when I was thinking
• 35:43
  of what I wanted to do with my life after, like, graduating from, from school or from high school.
• 35:50
  And I was 18. I was pitching the idea to them that maybe I would just do this full time. And
• 35:54
  they were like, absolutely not like, that's not happening. You're getting a degree. And I was like,
• 35:58
  oh, okay, well, then I'll do that. I guess, you know, it wasn't really like an option for me to
• 36:01
  just do this full time. And that was 2018. And then I did uni for three years. And I really enjoyed
• 36:07
  actually studying. And I think it's a, it was a really good decision for me. I did business
• 36:10
  management, a BSE and business management. But after those three years of studying, I didn't feel
• 36:18
  ready to go out into the real world of like working because I was quite burnt out after studying.
• 36:23
  And I'd gone really, really hard on myself during the study, studying years. So I decided to do
• 36:28
  like a gap year and just try the social media thing full time. It wasn't like a commitment. I
• 36:32
  wasn't going like, let's just go like all in like, let's do this for the next 10 years. It was
• 36:37
  kind of just like a trial period. And my parents had no issue against that. But also I was 21 at that
• 36:42
  time. And they don't really decide what I'm going to do in my life. And I was 21. But, you know,
• 36:46
  I think they had an issue or like, there were kind of like conflicted by the fact that I wanted
• 36:51
  to do this full time when I was 18 because it was still like risky. If that makes sense.
• 36:55
  You done it a great at that point. You kind of took something. Yeah, exactly. I feel like I
• 36:58
  ticked the boxes and then they were like, fine, go off live your life or wherever you feel like
• 37:02
  we have trust in you that you'll figure this out. So yeah. One of the things that you speak
• 37:06
  about a lot. Yeah. And something that you represent as a brand is the idea of like
• 37:10
  de-influencing or living kind of not living small, but in like a less flashy way beyond
• 37:20
  for me. Yeah. And also like, I don't know, I think there's just like such a juxtaposition
• 37:24
  with that given you're an influence world where the currency is what you look like and the clothes
• 37:31
  that you have and the, you know, it's, I don't know, it's just, I find it really interesting that you
• 37:36
  are kind of going against the grain with those things. Can you just speak to how you think about
• 37:43
  that with relation to I guess money investing your life and how you like to explain that to your
• 37:49
  audience? Yeah. I think this is such a funny question because like, this is just who I am. If
• 37:55
  that makes sense, like, I think I've always just been, and like, I get it because I'm in this world
• 37:59
  where, you know, you don't re-wear outfits apparently. I didn't know that. I always re-wear my outfits,
• 38:05
  but you know, there's all these not rules, but like kind of like things people do in this
• 38:09
  influencer world that are kind of put online and people are like, okay, you know, like you have
• 38:13
  different products and you have like 15,000 body oils and like, you know, have you seen these
• 38:18
  shower videos? Like, it's insane. And then I'm like, how are you filming this? I'm like, I don't know.
• 38:23
  I tried to film in the show. It's not a vibe. It's so not a vibe.
• 38:27
  Like, like, you know, see me refuses, not as refused as you can't see it. But, you know, and then
• 38:32
  all of a sudden we find it, you're trying to film in the shower. Oh, because they make it look so
• 38:35
  easy. Like a shampooing and stuff like that. And their backs look really nice. They only get like
• 38:39
  a little bit of this side. I would have been about to see you try that. Sorry. You're basically saying,
• 38:45
  everyone has access to everything. And you might be a makeup artist and you don't. That's not normal.
• 38:51
  No. Yeah. Like, I see people make up influences and they're like, oh my god, I'm obsessed with
• 38:56
  this foundation. I'm like, how many foundations do you have because every second video is a new
• 39:01
  foundation? I remember seeing like the Daily Mail was like, Kate Middleton wears the same dress
• 39:04
  three times. I was like, that's normal. Yeah, I was normal. I wear the same clothes. I come
• 39:09
  like, why is this news? You know, it's like this. I wear like one percent of my wardrobe.
• 39:13
  But I think, I think the D influence, I think people are caughtening on to like people,
• 39:18
  you've just hired that private jet for half an hour so you can go sit and take a photo.
• 39:23
  You're not actually flying anywhere. You're not paying for flight. You know, people are caught
• 39:25
  ening on to the extravagance and kind of probably going for a bit more of a relatable content.
• 39:30
  But you know what? Like, I think this is the issue with this world. And I see it a lot because
• 39:34
  also like, I'm in the travel space at the minute. And this is the thing that's kind of,
• 39:39
  you know, I pay for some of my own trips and sometimes I'm sent on brown trips and stuff like that.
• 39:43
  But like, whenever I pay for my own stuff, you know, I pay for economy. I'm sat in the back of the
• 39:49
  plane because I don't want to like, what is the reason why on earth, when I spent two thousand pounds
• 39:54
  on a business class ticket, when I can spend three hundred pounds, you know, like I just don't,
• 40:00
  it doesn't add up in my brain. If I can save those extra one thousand seven hundred pounds
• 40:06
  into my house savings fund or whatever, like that would make me more happy. However, on social media
• 40:11
  these days, even people who have like my following seem like they're every single time they go flying
• 40:17
  or sitting at business class, you know, and I'm like, that's not, first of all, normal for your age
• 40:21
  because we're in our mid-twenties here, like what's going on, but also like not a good way to spend
• 40:26
  your money, like wouldn't you rather want that money to like be with you later in your life rather
• 40:31
  than spend it on one business class ticket when you're in your mid-twenties. We're so young,
• 40:35
  like this is absurd, you know, but I see it. And I'm like, oh, that's normal then. And suddenly
• 40:40
  I'm the abnormal person because I'm not spending money on business class when I'm
• 40:45
  God, you're such a good influence on your generation. And I don't mean that in like a influence
• 40:51
  away, but I mean, I guess that word has been so demonized over the years, being like, oh,
• 40:55
  you're an influencer. It's like, but you're influencing in such a brilliant way. You're educating
• 41:00
  people, you're helping them to feel normal, even though you have a huge audience,
• 41:05
  you're showing them that your life is the same. And what you prioritize and what you think
• 41:08
  is important. And that is like super inspiring for a lot of people. I mean, Emily was the same. She
• 41:13
  was like, I love her content because it feels relatable. It feels like I can learn. I'm not like,
• 41:18
  it's not out of reach. I think that the the whole online sphere has turned into this just
• 41:24
  absolute wild west where I mean, yes, we always talk about the highlights real, but it's not just
• 41:28
  that. It's also just, it's just not a reflection of life. And I think what you're doing is you're
• 41:34
  reflecting actually who you are through your channels, as in you care about money and investing.
• 41:40
  So you're making these decisions. And it's reflected in the content, which I think is just like
• 41:44
  amazing. It's like the backlash that like Alex Earl's got now, because like she's so
• 41:47
  unrelatable. We used to love her content when she was sitting there doing a makeup and like she,
• 41:52
  you know, is now flying in private. It's just so unrelatable because it's not what the average
• 41:59
  person can do or afford. But if there was someone sitting here being like, this all sounds really
• 42:05
  great, but they don't do what you do. They don't do the spending, sorry, the saving first and spending
• 42:11
  like, what would be one tiny takeaway or piece of advice that you could give them to like, I guess
• 42:16
  get on your journey and your kind of saving the first thing is just realize what you spend every
• 42:22
  single month. Like that's when I, so back when I was fresh out of uni doing this, I wasn't making,
• 42:27
  like I think people have this like not wrong conception, because influencers make a lot of money.
• 42:31
  However, fresh out of uni, you know, trying to do this full time, I wasn't making hundreds of
• 42:37
  thousands of pounds a year, whatever people say these influencers are earning. Like I was on like,
• 42:41
  like I'll record your salary maybe a little bit more and I was like, okay, how the hell do I say,
• 42:46
  sorry, can I? I was like, how an earth do I save for a flat, you know? And then the first thing I did
• 42:51
  when I was in that position and then we were like, you know, first of all having to like move and I
• 42:55
  have to like take out this money to like pay the movers and it was just a wild process. But I was
• 43:01
  like, okay, how, how can I find the money to do this? And the first thing I did was literally,
• 43:05
  I went through my entire past, what, three, six months of spending and I looked at, what am I spending
• 43:11
  my money on? What is actually like, what is all this money going out towards? If that makes sense,
• 43:16
  I found subscriptions. I didn't know I had. I found that I was spending, I think it was like 60 pounds
• 43:20
  a month on Joan the Juice, which was way too much. I know. This was, I don't think I was even like,
• 43:28
  it was just the like, two necotos, you know? I get excited. I get excited. I was like, okay,
• 43:36
  well, you know, maybe it was actually, it might have been 60 pounds a week. No, I'm just, I don't
• 43:39
  know, it was all my money. It was a lot of money. I know. And I was like, this is not, this is not
• 43:46
  sustainable. But that's, you know, when you go through your income, you're like, oh my god,
• 43:50
  what am I spending my money on? Because, you know, 10 pounds here and 10 pounds there, it doesn't kind
• 43:54
  of add up until you look through everything and you're like, oh my god, that's absurd, you know?
• 43:58
  I think the first thing you can do if you're like on your path and you want to be a little bit more
• 44:02
  conscious, yeah, financially responsible, look through literally what you're earning,
• 44:08
  making and what's coming out. I think that's the first step. And then based on that, you can be
• 44:12
  like, okay, so if I take this out and I tweak this here and I have this ambition and maybe I'll
• 44:17
  get a salary raise eventually, I can save this much every single month. And then once, you know,
• 44:22
  you saw all that out, you can't see your subscriptions, whatever, you start paying yourself first.
• 44:27
  I think that's the first two things I would do, just because it kind of sets yourself up for success.
• 44:31
  And as we spoke about earlier, like, it doesn't really matter what your salary is because you can
• 44:37
  be making hundreds of millions of pounds a year, you could be making, you know, 25, 30,000 pounds a
• 44:43
  year. If you make the right decisions, you should be able to save some of that money, you know?
• 44:49
  Yes, it might require you to make changes in your life, either that be, you know, move home with
• 44:53
  your parents or move in with more flatmates to save on rent or councils, several subscriptions or
• 45:00
  stop spending as much money on clothes or, you know, whatever. But I think anyone in any
• 45:05
  position should be able to save some money because that's what I've done my entire life. And having
• 45:11
  just that, like, I'm going to save every single month, no matter what, no matter what salary I'm on,
• 45:15
  I'm going to set you up for success later in life when you eventually have a higher salary or when
• 45:20
  you earn more money. That's how it's taken. Exactly. And like, the reason the whole reason I'm so
• 45:25
  obsessed with saving is because I've always saved. If that makes sense, and I've always known that
• 45:29
  anytime I get my salary, it's not just for me. It's for my savings as well. No matter what salary I'm on.
• 45:34
  If you can't manage 10,000 pounds, you can't manage a million pounds, like it's, yeah.
• 45:39
  Exactly. Love that. Oh, God. I just feel like don't sense beyond your years. Like, really,
• 45:45
  I know. Love this chair. I feel like meeting, like, oh, it feels like we're meeting like, you know,
• 45:49
  some alien from a different planet, but like, meeting people from like a different generation,
• 45:55
  where you is like, I don't know, it feels like hopeful for the future. I feel like there's there's
• 46:01
  like a lot of echo chain bachats between like boomers, between millennials, and then, you know,
• 46:07
  it's like, oh, Gen Z's that I've never worked a day in their life. Oh, what are they? You know, and
• 46:11
  actually, it feels like if this is the next generation, like we're going to be fine. In fact,
• 46:16
  we're probably going to be a much better off. It's kind of like everyone gives each other
• 46:18
  shit, right? Oh, the bird is straight. Oh, the Gen Z's aren't working. It's like, hey, guys,
• 46:23
  we're all in this world together. You know, like we could, in part, some knowledge, we can learn
• 46:28
  from each other. Like, it's okay. Yeah. That's all just, I mean, but in the day, it's habits,
• 46:34
  right? And habits are multi-generational. They're also talking about it. I think the fact that you
• 46:38
  speak about it so openly. Yeah. And you obviously say and talk a lot on your channels about how,
• 46:42
  like, important it is to share knowledge and talk about money. Like, that is what's going to,
• 46:47
  like, spread it far and wide, which is exactly what we're trying to do too. Yeah, that's really good.
• 46:51
  Spread it like a rash. Yeah. Gross. I don't want to. Yeah. That's pretty like a rush.
• 46:56
  I really like it. But yeah, Maddie, thank you so much for your time and for sharing everything.
• 47:01
  And yeah, hopefully we'll see you again soon. Yeah. Yeah. Thank you for having me.
• 47:06
  That was such a great conversation that we just had with Maddie. If anyone is interested in
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• 47:28
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• 47:41
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• 47:45
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• 47:50
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• 47:54
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• 48:07
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• 48:12
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