December 23, 2025 • 42 mins
This is the one conversation you need to hear before the year ends, because the way you think about money right now will shape how 2026 feels far more than any goal you set in January. So instead of rules or end-of-year pressure, Victoria and Bec share the five things they genuinely wish every person in this community would focus on before heading into 2026. These are the five big things that actually shape how money feels day to day, how confident you are making decisions, and how much energy you waste worrying about things that don’t even matter.
In this ep:
🎄 The real reason money feels hard for so many people (even when they’re doing everything “right”)
🎄 The shift that changes your financial results without earning more or trying harder
🎄 What financially confident people understand early that most people never get taught
🎄 The moment money stops running your decisions and starts working for you
🎄 The one mindset change that makes every other money habit easier to stick to
Get Victoria's Full Goal Setting System in her Your Best Year Yet course here.
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Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.
The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
My name is Tatasha Bamblet. I'm a proud First Nations
woman and I'm here to acknowledge country t Glenn Young
Ganya Niana, kaka ya Ya bin Ahaka Nian our gay
In Nimbini yakarum jar Dominyama, Domagahawakaman, damon imlan Bumba ban
Gadabomba in and now in wakah ghan On yakram jar Watnataa. Hello,
(00:22):
beautiful friends, we gather on the lands of the Aboriginal people.
We thank, acknowledge and respect the Abiginal people's land that
we're gathering on today. Take pleasure in all the land
and respect all that you see. She's on the Money
podcast acknowledges culture, country, community and connections, bringing you the tools,
knowledge and resources for you to thrive.
Speaker 2 (00:44):
She's on the Money.
Speaker 3 (00:46):
She's on the Money.
Speaker 4 (01:07):
Hello and welcome to She's on the Money, the podcast
that's here to slay your finances this.
Speaker 2 (01:12):
Christmas, Oh you funny.
Speaker 4 (01:14):
I'm backsided And if your brain feels like a half
melted Pavlova right now, you are not alone. This time
of year is a lot, the family dynamics, the money stress,
the expectations, so this episode, it's not about budgets or
hacks or to do lists. It's a little gift from
us to you. Five things we wish for you as
twenty twenty five wraps up and twenty twenty six rolls
in and helping me deliver them is Victoria divine Merry
(01:38):
Christmas vee h.
Speaker 5 (01:39):
There you didn't expect to see me here? No, actually,
Christmas Eve. I you guys know, I'm such a Christmas fiend.
I love the festivity, I love the family, I love
the friend. Oh.
Speaker 2 (01:52):
I love a half melted pavlova. You know what.
Speaker 5 (01:55):
I am a believer that the pavlova is better this
second day, Like you know, when like you've had the party,
everyone like I was like, oh.
Speaker 2 (02:02):
No thanks, no thanks.
Speaker 5 (02:03):
On dessert that it goes into the fridge and then
you eat it the next morning for breakfast.
Speaker 2 (02:06):
That is peak pavlova for me.
Speaker 4 (02:08):
Anything that's been that's had time to marinate overnight is
more delicious.
Speaker 2 (02:12):
Yeah, a marinated pavlova. I've never been a big fan.
Speaker 4 (02:15):
It's been too eggy for my liking. What is wrong
with you?
Speaker 5 (02:18):
You know?
Speaker 2 (02:19):
How did you get on this show? How did you
pass all the like tests we put in place, and
then finding out you don't like Panova.
Speaker 4 (02:25):
I scrape all the cream off the top.
Speaker 5 (02:27):
That's got an Australian not really, Oh my goodness. Well, also,
while I'm here, I just wanted to acknowledge that as
much as I love Christmas, I also think it is
a very good time to talk about how it's actually
not an easy time for everyone in our community. Like
I'm hearing it every day, and I'm just so grateful
that you guys feel safe enough to message me and
(02:47):
be like this is so trash be and I go, yeah,
like that would be trash, Like yes, I'm here to
empathize with you, like we know that it is a
really stressful period of time, whether that is as you
mentioned before, the family dynamic, even the travel, but mostly
at the moment we are still going through a cost
of living crisis, so our finances are taking a hit.
But then we're also just like stressed about that. So
(03:10):
many of you who have been messaging me saying, oh
my god, ve like, I'm so stressed. I can't even
look forward to Christmas because I've overspent.
Speaker 2 (03:18):
So I'm giving these gifts.
Speaker 5 (03:19):
Knowing it's quote the right thing, but I just still
feel like trash about it, Like there's just nothing that
feels good, and so I just I think that the
important thing to remind you of on Christmas Eve, before
Christmas Day, when we're probably all I don't know if
you do this, but like I over analyze everything. I
know you do too, because like the language of yours
is gift giving, and so you're probably like, oh my god,
(03:41):
did I get just enough?
Speaker 2 (03:42):
Or did I do this? Or did I do that?
Speaker 5 (03:46):
The good gifts and the things that matter at this
point of view have nothing to do with physical gifts, right,
Like they aren't wrapped in shiny paper, but they're full
of heart and love and care.
Speaker 2 (03:58):
And I think.
Speaker 5 (03:59):
That's exactly what we all need to be hearing this Christmas.
Like I am so grateful that tomorrow morning I'm going
to wake up with my husband and my son.
Speaker 4 (04:07):
Yeah exactly, just like.
Speaker 5 (04:08):
I'm just so excited, Like I have shake a pancake
mix and I cannot wait to try and make the
dodgiest shaped Christmas tree pancakes in the entire world.
Speaker 2 (04:20):
And that's what I'm excited for.
Speaker 5 (04:22):
And I just hope that you and our community can
find things that you're excited about tomorrow that don't involve
the gifts, that don't involve the fanciest of foods on
the Christmas table, that don't involve money.
Speaker 2 (04:35):
But yes, honestly, that's not what it's about exactly.
Speaker 4 (04:38):
And I feel like, you know, there are some people
who are stressed because they don't have the money, and
there's some people that are stressed or like just feeling
really sad and lonely because they might not have anyone
to celebrate Christmas with it, and some people do celebrate
Christmas at all, which is completely the case.
Speaker 2 (04:50):
I'll still reply on Christmas Day.
Speaker 4 (04:52):
Yeah, well, if you want to say, hey, message us
and then I can, like I can check you on
video call and you can sit and you can.
Speaker 5 (04:58):
Join me in my brothers. I feel like that's so wholesome.
But then also like, don't mope. I know that it sucks,
and I know that you're probably not looking forward to
it all, but like, if you've got the time, it's
Christmas Eve, we've still got time to save this. Write
a list of all the self carey things you could
do tomorrow so that you can put you first, like
you might be on your own but like, what's your
(05:18):
favorite movie, Let's watch that tomorrow. Do you have a
favorite food you could cook? Like, is there a fancy
drink we could go by? Like how do we curate
a cute day.
Speaker 4 (05:26):
That's just for you exactly?
Speaker 2 (05:29):
We could go on a big walk. Are you close
to the beach? Like, do you know what the beach
is going to be dead tomorrow? You could go on
the best self care walk?
Speaker 5 (05:35):
Yeah, And I'm manifesting good Christmas weather, So I just yeah,
I just feel like there's a lot that we could do,
And I think sometimes we just have to choose to
force ourselves to have a good day to yea, even
if it feels a little bit trashy starting.
Speaker 4 (05:50):
Because if you don't have anyone else, you have yourself
and you're going to take yourself on a date. Yes,
that's gorgeous. So we've got our wishless prep.
Speaker 2 (05:58):
Yeah, and color.
Speaker 5 (06:00):
Of course, my n is color coded. It's also in
the notesap of my phone.
Speaker 4 (06:04):
Oh yeah, it's so satisfying, So be what's up first?
Speaker 2 (06:08):
All right, I have written this one down because I want.
Speaker 5 (06:10):
To start with I would say the biggest one, the
most classic, most cliched, totally overused Christmas, which of all time,
but I would say for very good reason. So my
first wish for you is it's not world peace that
you saw that coming. You were like this woman thinks
she's Miss America, although that would be very nice too,
I mean personal, financial, and emotional peace. So I'm literally
(06:34):
just starting with peace. Like I know that that sounds
a little bit cliche, and I prefaced it that it
was going to be. If anything, I am lame, Like
I'm lay that is fine, go back to basics sometimes,
you know, but it's so underrated. Yeah, Like we talk
about wanting success and we want money, and we want,
you know, other people to see us doing well, and
(06:56):
we want shiny things.
Speaker 2 (06:57):
But like I would say, the older I get, the
more I'm like, I just want my peace.
Speaker 5 (07:03):
Yeah, Like I want the flexibility to choose to not
have to rush. And peace matters just as much as
anything else. And it is so okay to just want that.
And the truth is peace doesn't actually just appear like
it's a conscious choice. Like you have to catch yourself
in the negative self talk. You have to be able
(07:26):
to cut.
Speaker 2 (07:26):
Ties with people that you maybe need to.
Speaker 5 (07:29):
Cut ties with so that you can find your peace
and prioritize your peace. But so many of us, especially
at this point of the year, and like, I don't
know about you, but I TikTok doom scroll all the
time and I talk about it all the time. And
the influencer halls at the moment of people just like
being like, oh, and I've bought this and this and
this and this is my Christmas list, and it's all
(07:50):
just so materialistic, and we find ourselves slipping into like
a state of comparison. Even I'm doing it, Like I'm
looking at people's Christmas halls and like them putting together
their kids Christmas stockings, and I'm thinking.
Speaker 2 (08:03):
But have I just not done enough? Like am I
a bad mum? Like I have.
Speaker 5 (08:08):
A very limited Christmas stocking for Harvey because he's not
even yet too I'm like, you don't need anything, Like
I could probably wrap up a pair of socks from
my husband that he's already worn, and my son would
rip it open and be.
Speaker 2 (08:20):
Like, wow, Daddy socks, like exactly.
Speaker 5 (08:22):
So I don't know, I just feel like I've been
slipping into this analysis paralysis or like comparison culture, and
like just put that in the bin, like My first
wish for you literally is peace.
Speaker 4 (08:34):
Yeah, what else.
Speaker 2 (08:36):
Could that look like?
Speaker 5 (08:37):
I suppose, especially when it's not just Christmas related, because
I think that I just wish this for you now
and into the future. But like not spiraling when you
see somebody else's gone on holiday on Instagram, not going, oh,
I can't believe they can afford that, Like that's crazy.
Speaker 2 (08:53):
They probably can't.
Speaker 5 (08:54):
So they can't.
Speaker 2 (08:56):
They're probably in debt.
Speaker 5 (08:57):
I also want you to forgive yourself if you're listening
to this episode and you're like, oh my god, VI,
I know, but I also already overspent, Like I already
overspent this Christmas Like it's cooked.
Speaker 2 (09:08):
Eh, who cares? You already did it? Don't worry? Why
are you beating yourself up?
Speaker 4 (09:13):
Also, the fact that you overspent means that you were
trying to buy things for either yourself.
Speaker 2 (09:17):
Yeah, Like are you just a good human trying to
do a good human Like just because you did one
thing that you're like, oh, I wish I didn't do that.
Speaker 5 (09:24):
Like, let's just not beat ourselves up. The what do
you get out of that except for feeling like trash?
Like making people feel like trash doesn't help them change.
I want you to even have hopefully a tiny buffer
so that if an unexpected bill pops up, it doesn't
knock you out. So tomorrow, if hypothetically you open a
(09:44):
present and you're like, oh, I don't really need this.
Speaker 2 (09:46):
Facebook marketplace is looking so good.
Speaker 4 (09:48):
Yeah, and that.
Speaker 5 (09:49):
Could be like a little like I don't know, emergency
fund buffer like you true, thanks Sony Karen for that
present that just turned into my emergency fund.
Speaker 2 (09:58):
Very nice.
Speaker 5 (10:00):
It's also and I talk about this all the time,
automate your money so that doesn't live rent free in
your head if you're always thinking about money, when your next.
Speaker 2 (10:06):
Bill is you direct debits exist.
Speaker 5 (10:09):
Set these things up automated, stick in an automation so
that your savings go to savings, your investments go to investments,
or your debt repayments go to debt repayments.
Speaker 2 (10:18):
Just get it done.
Speaker 5 (10:19):
And also, can we just remind everybody here and now
that your worth is not dictated by your bank account exactly.
Have you ever been like, I really want to hang
out with her. She's really cool. She's got so much
money in her bank totally that that doesn't happen.
Speaker 2 (10:35):
That's not a real thing.
Speaker 4 (10:36):
That doesn't happen and I but also, yeah, at the
end of it all, I really think, like whether you
have overspent, whether you've whatever. I just think, isn't it
so great that you have people that you can overspend on?
Speaker 2 (10:48):
Do you know what I mean exactly? And even if that.
Speaker 4 (10:50):
Person is yourself, you deserve all the treats in the world.
Speaker 5 (10:53):
You deserve a million treats, you really do. You are
also the sweet treat.
Speaker 4 (10:57):
You're the sweet treat, and you deserve a sweet treat.
So next on the list is another very Christmas y wish.
I we sa it is joy.
Speaker 5 (11:05):
Yeah, okay, so we didn't say that this wasn't going
to be lame like where we're like, this is going
to be stereotypical, but we'll make sure that it sticks.
Speaker 2 (11:13):
Right Yeah yeah yeah.
Speaker 5 (11:15):
So we see it all the time, people thinking that
they need to choose between like their fun or their finances.
And I think so much of the conversation around money
is about restraint.
Speaker 2 (11:25):
And how many times do I say.
Speaker 5 (11:26):
Your budget isn't about restricting yourself, It's about understanding, let's
not forget the money can also spark joy, yeap, Like
that's allowed. In fact, it's essential, Like Otherwise, if you're
restricting yourself forever, you're going to blow out or burn out.
And this one is so important, especially for those of
us who are like savers and we really struggle to
(11:48):
actually spend our money our community members who are chasing
joy with money, but then they're overspending in the wrong places,
Like that's not the type of joy we're talking about, Like,
how do you create a buffer so even when you
do spend on fun things, you don't feel guilty because
how many times do we hear on money diaries and
just from our community like.
Speaker 2 (12:07):
Oh, v like I do it. I do. I have
a budget and it's for fun stuff.
Speaker 5 (12:11):
But when I go and get my nails done, I
just feel really guilty because that was fifty dollars that
I probably didn't need to spend on myself. Hey sorry, sorry,
that's a good things.
Speaker 2 (12:21):
It sparks joy, Like we don't feel guilty about that.
That's why we have a plan.
Speaker 5 (12:26):
And I guess in addition to all of that, when
I say, oh, like, let's find joy, find joy in
the simple things like going for a walk, feeling the
cold air on your face, Like can you go for
a swim? Can you get a dollar fifty coffee from
seven to eleven. I didn't do it with someone you love,
light Beck.
Speaker 4 (12:46):
Exactly, do you know what I mean?
Speaker 5 (12:48):
Like, Yeah, I feel like the more successful I am,
and I'm so grateful for that.
Speaker 2 (12:53):
But the more successful i.
Speaker 5 (12:54):
Am, the more I'm falling back on the little things
actually being the big things. Yeah, yeah, the more I'm like, oh,
that walk goes so good, And how the hell are
you going to be grateful for the really big things
if you don't even care about the small things totally?
Speaker 4 (13:08):
And I really think like if you're attaching guilt to
joy and you know, we we I think have been.
This has been drilled into us since like kids, because
if you aren't studying or if you aren't paying attention
in school, if you're doing anything that sparks joy, it's like, well,
you shouldn't be doing that, but we can let go
of that, you know.
Speaker 2 (13:28):
We should be Well, you just choose not to do that, Like.
Speaker 4 (13:30):
Yeah, you just you should be feeling joy and you
can feel joy and you're allowed to feel joy. Don't
attach guilt to that because then it takes all the
joy out of the little things.
Speaker 5 (13:38):
Exactly, And like I want you to spend your money
on things that actually light you up, not what just
looks good and shiny on Instagram. And you need to
separate those two things because it's so easy.
Speaker 2 (13:50):
I'm so easily influenced.
Speaker 5 (13:52):
Beck, Like I see something on Instagram, and then I
see it a few more times, I'm like, maybe I
do need that.
Speaker 2 (13:57):
Yeah, totally, Like what do you actually enjoy?
Speaker 5 (13:59):
Are you doing that because you just want to feel
included and you know, want to join in on a
trend or you're like, oh my god, I'm so excited
to buy a polymerclay set and like start making little
trinkets like go run your own race.
Speaker 2 (14:14):
Do what lights you up? Because, don't get me.
Speaker 5 (14:18):
Wrong, feeling the buzz when you see like your debt
shrinking or your savings growing is actually incredible. So we
need to be balanced about this, right, So we're not
just spending only on joy and being like no, Victoria
said spark joy always like sorry, how good does it
feel back to.
Speaker 2 (14:35):
Get out of debt?
Speaker 4 (14:36):
Oh my god, for so good?
Speaker 5 (14:37):
But also how much easier is life and how much
better do you feel when you're like, oh, I've got
five hundred dollars in my investing account or, I've got
money in savings, like everything feels easier.
Speaker 2 (14:49):
Yeah, So like that needs to be a priority as well.
Speaker 5 (14:51):
So don't get me wrong, We're not just like throwing
money at things that spark joy, because I feel like
a lot of the time a lot of us are,
and this is maybe me being a little bit negative,
but us saying things like no, it's self care, I
deserve it. I'm really flat at the moment when the
reality is you haven't gotten off your button, gone for
a good walk, you haven't called a friend and caught
(15:13):
up with them recently, you haven't done anything actually to
nourish you. You're not drinking enough water, you're not actually
doing all of the basic fundamental self care things. But
then you're justifying a massage and being like, well, I
need it for my self care. Like, let's just get
our little house sorted, actually care about ourselves.
Speaker 2 (15:29):
Let's look at our debt, let's get out of our debt.
Speaker 5 (15:32):
Let's make sure that if you had a savings plan,
you're committing to that because long term, that's what's going
to pay off. Long term, that's how you're going to
feel better about yourself and feel good. Right, totally and
you know what that's going to do.
Speaker 4 (15:45):
Spark joy, spuck joy.
Speaker 2 (15:46):
See I wrapped it.
Speaker 4 (15:48):
God, she's good.
Speaker 2 (15:49):
Oh, I'm really impressed with myself.
Speaker 5 (15:51):
So let's go to a really quick break because I
don't think it's going to get better in terms of
me wrapping it there.
Speaker 2 (15:57):
And on the flip side, we're going to unpack a.
Speaker 5 (15:59):
Wish that has I guess central to She's on the
money from the very beginning, So don't go anywhere.
Speaker 4 (16:09):
Okay, guys, we are back, and so far we've had peace,
we've had joy. And this next one isn't something you'd
normally see on a Christmas card, but I have a
feeling that if she's on the money made Christmas cards.
Speaker 2 (16:19):
It probably would be it. Actually it is on our
Christmas cards from last year.
Speaker 4 (16:24):
Well I'm terrible, sorry, it's very obvious you've been reading them.
Speaker 1 (16:27):
Yep.
Speaker 5 (16:27):
We did Christmas cards last year and you probably haven't
seen them because like I did custom Christmas cards, she's
on the money, branded and themed. But to go out
to all of our clients and like gotchness and like
to my team and whatnot. And the word is freedom. Yes,
like a lot of the just like complete side note.
One of the things we did for clients, not last year,
(16:49):
but a couple of years ago was I actually put
a gift card in there and I said.
Speaker 2 (16:54):
It was the gift of financial freedom.
Speaker 5 (16:55):
Oh that's because then on the inside I said that
you've got the freedom to do whatever you want with
this money.
Speaker 4 (17:00):
That's cool.
Speaker 5 (17:01):
I was, like, you could give it away, you could
give it to someone else, you could spend it on yourself,
you could get your nails done, you could like literally
do anything. You could buy a chocolate cake and eat it,
like I don't care give it to charity, but like,
this little money is the gift of financial freedom, and
I just thought that was really fun. So yes, it's
been on the cards, but you're not going to be surprised.
Freedom is the next thing that I wish for literally everybody,
(17:24):
And it's literally one of the reasons I started Sheese
on the money. I want every single person ever to
just have the freedom that money brings. Like I'm not
saying you need to get filthy rich, although if you
want to get filthy rich, you're in the right place.
I can teach you that too, but freedom to have choice,
like you can walk out of a toxic job.
Speaker 2 (17:46):
You can say if you to a.
Speaker 5 (17:48):
Bad landlord or even a bad relationship, because you've built
yourself a really good financial cushion, you could even say
no to a really bad date and then just get
a really expensive uber home.
Speaker 4 (17:58):
That's it.
Speaker 2 (17:59):
Do you know what I mean? That is freedom? Like
imagine being able to be on.
Speaker 5 (18:03):
This terrible date and walking out and getting in an
ubart ghosting them.
Speaker 4 (18:07):
Oh my god.
Speaker 2 (18:08):
I'm not saying that that's a good thing.
Speaker 4 (18:09):
To do, but you could, you know, and the feeling
of being like, yeah, I will get a nice cream
right now, Why the hell not? And not having really
transfer yourself from another account that has your bills money
in it would be so nice exactly.
Speaker 5 (18:22):
And we also need to say that freedom isn't like
living like a billionaire and just being like, oh my god,
like you can just do whatever you want, just start
living back, it doesn't matter, it does matter. We need
to live within our means in a way that still
lets you sleep at night, because to me that's freedom
as well. Yes, Like for me, financial freedom isn't this
number that a lot of people are like, oh, what's
(18:44):
your financial freedom number? Back, and you might go, oh,
it's one point two million dollars because then I'll have
a sixty thousand dollars income and.
Speaker 2 (18:49):
Like that is great.
Speaker 5 (18:50):
And for me, I talk about financial freedom in that
aspect because to me, that's creating you know, sustainable income.
That's not what I'm talking about, Like, I'm talking about
the freedom that I felt when I was still.
Speaker 2 (19:03):
In like forty thousand dollars worth of debt.
Speaker 5 (19:05):
It's probably at like thirty five thousand dollars at that
point when I had finally built up enough of a
cash buffer and had an emergency account and I finally
was like, oh my god, like I can finally see
the light at the end of the tunnel. Yes, I'm
still in debt, but I still have like an emergency
fund and everything's tracking and I can afford my bills
and I'm not going into further debt, and oh that
felt good. Like I'm not saying that financial freedom is
(19:27):
this finite number that we are working towards for the future.
For me, it's about watching your debt string instead of
grow and feeling like every single repayment is I don't know,
reclaiming you, yeah, like and a little piece of yourself
and knowing that the small choices that you're making today, Beck,
they're opening doors in the future for you.
Speaker 2 (19:48):
Like it just when you start to.
Speaker 5 (19:50):
Put your financial future first, you start to go oh,
like it's it's not as bad. Like stuff happens much
quicker than I thought, Like you're not going to wake
up to morrow. Beck can be like, oh, well, yesterday
I decided to start investing in myself, and today I've
got a dollar Like.
Speaker 2 (20:06):
That's not what happens.
Speaker 5 (20:07):
But like you know, I keep using you as an example,
and I think that you're literally the perfect example because
I have been.
Speaker 2 (20:14):
Working on your sorry, but for so long.
Speaker 5 (20:17):
Like bech safe, bech safe, bech safe, Like let me
do your budget, let me do your cash flow. Fine,
I can rant and rave for as long as possible,
but that feeling, like I can tell you, And how
many times have I said, Beck, do you know how
good you'll feel when you have an emergency fund? Do
you know how good you'll feel once you start investing?
You're like yeah, yeaheah, whatever, whatever. What does it now
(20:38):
feel like to have a little investment fund? Did you
expect it to be where it is today?
Speaker 4 (20:43):
It feels really good? And no, I didn't because I
was I could never ever save. And it's just been
like I keep getting emails from Cheersy's being like, we've
got your top up of five dollars, and I'm like,
I don't remember ever putting this top up on, but
five dollars has gone and I did not notice it.
And that's credible. And it just like keeps going up
and up and I'm not doing anything about it, and
(21:04):
it is just.
Speaker 5 (21:05):
Knowing it's there and I don't want you to pull
it out, like and you haven't yet, which honestly slag queen,
thank you, but like just knowing.
Speaker 2 (21:11):
They're like, let's pretend a really big, unexpected bill happens
and you.
Speaker 5 (21:16):
Know, something really bad. Sorry, you've got access to cash.
Isn't that crazy?
Speaker 4 (21:20):
That is crazy. It's never ever ever happened. It doesn't ever.
Speaker 2 (21:23):
Feel like you're a little bit more free.
Speaker 4 (21:26):
Definitely, there's definitely a part of it. It's like, I, yeah,
if if something went really bad and I needed twelve
hundred dollars right now, is it a twelve hundred dollars?
Speaker 2 (21:35):
Is it twelve hundred dollars? Are you joking?
Speaker 5 (21:38):
I keep saying like, oh, I remember when it hit
like five hundred, I.
Speaker 2 (21:41):
Know, four figures.
Speaker 4 (21:43):
Yes, could you believe that?
Speaker 2 (21:45):
Hold on? Hold on, hold on.
Speaker 5 (21:46):
So backtrack in the last twelve months. This is not
a recap. We'll do maybe a recap episode at some point.
But in twenty twenty five, Becksied invested twelve hundred dollars.
Speaker 4 (21:56):
Yeah, stop it.
Speaker 2 (21:58):
Yeah, well I don't. It's crazy. I don't remember more
than dollars. Yeah, I told you in January.
Speaker 5 (22:03):
If I tell you down in January and said, beck, so, yeah,
you're going to invest more than one thousand dollars this year.
Speaker 2 (22:07):
Would you believe me?
Speaker 4 (22:08):
No, because I wouldn't. I can't afford that. And then
somehow it's just in there and I don't. It really
does make a difference, just putting those little roundups.
Speaker 2 (22:15):
On, and it was good.
Speaker 4 (22:18):
If you spend like I do, before you know it,
you'll have one thousand dollars in roundups going straight in there.
Speaker 5 (22:24):
But that's the freedom, right, freedom, And like I don't
know if you can hear the energy in.
Speaker 2 (22:28):
Both of our voices, like like, oh do you like it,
and you're like, oh yeah.
Speaker 5 (22:32):
Actually, there's that level of excitement where you go, this
isn't like it used to be. This isn't the conversation
where we're talking about Okay, Beck, tell me how much.
Speaker 2 (22:40):
Debt you in? Like how do we get out of that?
Speaker 5 (22:42):
Can we find an extra thirty bucks a month to
pay off that debt? And like that would have been
unfathomable to you for a long time, where were like
the I can't find that, Like where would I get
an extra thirty dollars?
Speaker 2 (22:52):
Like and when you started on the show, you were
talking about.
Speaker 5 (22:55):
Like, oh, sometimes I have seventy nine cents in my account,
but I can make that work, and like that's good
and that's fine, and we still hold those like I
don't know if we call them values, but like sometimes
we still like that totally.
Speaker 2 (23:06):
We just are who we are.
Speaker 5 (23:07):
But like you've set up the frameworks to start building
your financial future.
Speaker 2 (23:12):
That feels good.
Speaker 4 (23:13):
It feels so good. And that freedom could even just
be like going to bed at night and knowing that
a deck collector is not calling you. You don't have
a miscall from them, no one's waiting for money. You
just that anxiety is kind of gone. So I really
do hope we can get we.
Speaker 2 (23:27):
Have a thousand decent we can get there. And I
wish that for literally everybody in there.
Speaker 4 (23:31):
Absolutely. Okay, so freedom feels like a pretty big one, yes,
because it was yeah oh yeah, So where do we
even go from there?
Speaker 2 (23:39):
Okay? The next one is growth?
Speaker 5 (23:41):
Okay, so like probably not in the way that you're
expecting me to say, but like freedom is exciting, but
growth is what makes it happen. So like, you can't
just be free one day. You can't just wake up
and be like, I'm free, I'm moving to Bali and
I'm just not going to think about finances. Growth is
what makes it possible. And unfortunately, the truth is growth
doesn't feel.
Speaker 4 (24:00):
A nice It sucks growing pains.
Speaker 2 (24:03):
Yeah, yeah, yeah.
Speaker 5 (24:05):
Like someone said the other day, I can't even remember
what or else. It's probably either a TikTok or a
podcast I was listening to. They were like, I just
don't feel ready, and they were like, ready's not a feeling.
Speaker 2 (24:16):
Ready is a choice.
Speaker 5 (24:17):
Ready is a choice, Like you say, Okay, I'm ready,
I'm just going to do it like I feel like
so much of the time, especially women, we say I
just don't feel ready, like we overanalyze things. I just
don't feel prepared. No, no, no, it's not a feeling. Yeah,
put that in the bin. It is our choice. Growth
is a choice, and you just chose to start doing it.
(24:38):
And it's a really small decision at the very start,
and then all of a sudden you've got twelve hundred
dollars in your Sharesa's account. It's showing up again and
again and committing to something over the long time is
choosing progress over perfection.
Speaker 2 (24:52):
And that's the growth.
Speaker 5 (24:53):
That I'm wishing for you, not oh my gosh, I
really hope that next year you get a thirty thousand
dollars pay increase and like money win. Like it's really
about being consistent. It's that twenty dollars a week that
you are saving. Done steadily, you can change your life
more than just like a one off burst of massive energy. Yeah,
(25:14):
Like we talk in our community all the time, like
what are things that you could do to like get
some extra cash in the door.
Speaker 2 (25:19):
And that's so good.
Speaker 5 (25:20):
And you might go sell all your clothes at a
market or you might like cull the stuff at home,
put it on Facebook marketplace. You might go do like
air tasker tasks. It doesn't matter, like you might be
hustling to get some cash in the door. But if
you just have that hustle for one weekend and be like,
I'm going to smash this out of the park and
you make five hundred bucks, money win, But like sorry,
(25:41):
the roundups are.
Speaker 2 (25:43):
More powerful in the long term totally. Like you could.
Speaker 5 (25:46):
Hustle, and if I sat you down and said, beck,
if you hustled all weekend and got five hundred bucks cash,
you'd probably be like, yeah, money win. That's a good
weekend totally, But like sorry, slow and steady wins the race.
And it's actually not that sexy growth. He's not sexy.
It is not glamorous, and sometimes it can just feel
like showing up with consistency, putting away twenty bucks a week,
like automating it so it automatically goes into your savings
(26:08):
or your investments, or into your debt repayments, and letting
that habit change your life more than just those one
off bursts of like I'm finally motivated and I'm going
to get out of debt. I'm going to do this
whole budget and cash flow and I'm going to find
five hundred bucks and then I'm going to put it
onto my debt and then I'm too exhausted to think
about it again.
Speaker 2 (26:25):
So let's just like not think about that again. Yeah.
Speaker 5 (26:28):
Yeah, And we have all been there, especially me because
I have ADHD and I'm really good at locking into something.
It's also about getting curious instead of getting embarrassed about
what you don't know, and realizing that literally every silly
question is actually a step towards power.
Speaker 4 (26:45):
Yes, and like we all say.
Speaker 2 (26:47):
There's no silly questions, like, I've heard of silly questions.
Speaker 5 (26:50):
Yeah, I'm also happy to answer them because I know
that they're not coming from.
Speaker 2 (26:54):
A silly place. You might go, oh, it's a silly question,
but what's this? Sorry? Why is that silly? Were you
taught before?
Speaker 4 (27:00):
Exactly?
Speaker 5 (27:02):
I think a silly question is a question that you
ask a million times over, but you never listen to
the response. Yes, that's silly, And if you kept asking
me back, I'd be like, that's a silly question because
we've been here before.
Speaker 2 (27:13):
Different if you're.
Speaker 4 (27:13):
Not, if you can't absorb it, because it's quite complicated.
Speaker 2 (27:15):
No, that's a different story. By that's your name, we
get story.
Speaker 5 (27:18):
Yeah, different story building resilience as well, So when something
unexpected happens, like a bill pops up, which, by the way,
this season, I feel like we're all just there's going
to be a bill. It's gonna come going to There's
going to be someone who comes and pokes you and goes, hey,
did you forget that sixty bucks?
Speaker 2 (27:36):
You go, what the hell?
Speaker 5 (27:37):
Yeah?
Speaker 2 (27:37):
I got a parking ticket the other day. Oh no,
I never get parking tickets. Bare I think you should
you get parking tickets. I don't get parking tickets.
Speaker 4 (27:45):
It's not like us.
Speaker 5 (27:46):
And I thought that I was doing the right thing.
It said like one hour zone, and I was in
a rush. And then it turns out it was like
a one hour zone for all the times that it
wasn't a male zone and it's a male zone between
ten and twelve pm, males only. And I was like, yeah, okay,
I'm not a male and the male man must have
wanted to come because I ended up with one hundred
and twenty two dollars.
Speaker 2 (28:06):
Fine, I think you should fight it. I already paid it.
Oh god, I already paid it.
Speaker 4 (28:13):
The freedom this is what we talk about freedom.
Speaker 2 (28:14):
I already paid it.
Speaker 5 (28:15):
But I know it's on me because I should have
read the sign better. But I was just stoked that
I saw a one hour zone any of the shop
that I needed to go to, and it's Christmas and
I was in a rush, you know.
Speaker 2 (28:27):
No I was, Oh yeah, it was annoyed.
Speaker 5 (28:28):
The fine cost me more than the present I was buying.
Oh no, anyway, it doesn't matter. But I think that
it's being resilient so that if that happens to you
as well, or if a market dip happens, or there's
a job change, like, we can adapt and we don't
have to spiral, and that doesn't send us completely off.
Because I pulled money out of my emergency fund to
pay for that. Yeah, so I was completely fine, and
(28:52):
I was annoyed. I didn't like it, but that financial
impact didn't change my ability to pay my mortgage or
you know what. I come from a place of privilege.
But I also need to point out that I wasn't
always this way. I had to build this from the
ground up myself. So when I talk about, like, oh,
I have multiple mortgages, some people will be like, you're
(29:12):
so entitled. No no, no, no, I worked so damn
hard for that. And if I can do that, you
can do that too, Yes, you can do that, Like
it can't be that hard if I can do it,
because I'm telling you right now, I'm not the smartest
person in the entire world, and if I was, I
would just have a podcast.
Speaker 4 (29:28):
Oh there you go.
Speaker 2 (29:29):
Also catching your own triggers.
Speaker 5 (29:31):
Yes, So whether it is like sales and you're getting
a little bit like excited about the sales, or comparison
or guilt spending, let's learn how to pause before like
autopilot takes over and we're already down at Tjmax buying
more sale Christmas stuff.
Speaker 1 (29:46):
You know.
Speaker 5 (29:47):
Also, we need to redefine our energy. That sounds really
hippie dippy. Doesn't it redefine your ends? I wouldn't pick
that from you, redefine your identity and energy because I
think so many times we just decide that something is
our narrative because we just.
Speaker 2 (30:06):
Have felt it for so long that well it must
be true. Yeah, I know what you mean, Like, oh, well.
Speaker 5 (30:11):
I'm bad with money, Yeah, so was I. At one point,
would you say I'm bad with money?
Speaker 4 (30:15):
Now, beck, I wouldn't think so.
Speaker 2 (30:17):
Well, I mean sometimes bad money. We've got a podcast.
Speaker 5 (30:20):
But but we don't need to define ourselves at all.
But so many of us define ourselves as I am
someone who's bad with money. That's why I have to
listen to Sheese on the Money. You're someone who is
proactive around money.
Speaker 2 (30:34):
Exactly.
Speaker 5 (30:34):
He wants to be really good with money. You are capable,
you can improve every single day. Like, sorry, what is
even bad with money? He's bad with money?
Speaker 2 (30:44):
Donald Trump?
Speaker 4 (30:45):
Exactly, exactly, exactly.
Speaker 2 (30:47):
Do you know what?
Speaker 5 (30:48):
Like?
Speaker 2 (30:48):
I know you'd be like, oh, is he really his
a billionaire? Yeah? Do you know how many times he's
got bankrupt? He is bad with money. He's so nothing
he is He should be.
Speaker 5 (30:57):
Grateful and standing on that podium being like I'm grateful
for my intergenerational wealth.
Speaker 2 (31:02):
Yes, because that is what he's holding him up.
Speaker 4 (31:04):
That's it. Without it, he might be prob.
Speaker 2 (31:06):
We're not bad her money. No, he bat it money.
Speaker 5 (31:08):
Oh yeah. Anyway, I think it's becoming more like yourself,
not about becoming a new you. You don't need to
completely redefine yourself and be like, oh well I need
to find this new identity.
Speaker 4 (31:19):
Yeah, no, who are you?
Speaker 2 (31:21):
What do you like?
Speaker 4 (31:22):
That's such a good point because I feel like I
am prone to overspending. Because I know that I'm prone
to overspending. It I'm just can you.
Speaker 2 (31:30):
Just justify it because you're like, oh that's so me.
Speaker 4 (31:33):
Yeah, like, oh, I don't really have much self control,
but I'm like I could. If I start telling people
or telling myself I had self control, maybe i'd have
self control.
Speaker 2 (31:40):
You can literally make anything up and make it stick. Yeah,
you really care? Like it's actually crazy?
Speaker 5 (31:46):
Do you know what is going to be one of
my favorite things to live into twenty twenty six?
Speaker 2 (31:51):
Delusion?
Speaker 5 (31:52):
Oh yeah, sorry, if I can see somebody else has
already done something, yeah, why can't I?
Speaker 4 (31:57):
Next on this is delusion. We wish that, we wish
that for you in tween queens.
Speaker 2 (32:02):
Yeah, but not delusion, not delusion.
Speaker 4 (32:04):
No, the next one is tough. I think it's something
we will struggle with.
Speaker 2 (32:09):
Delusion.
Speaker 4 (32:10):
I've got so much delusion delusion, and I think they
go hand in hand. Confidence.
Speaker 5 (32:15):
Yes, but you get more confidence by being more delulu exactly.
It's so as I said, I wish more Delulu on you.
Speaker 4 (32:21):
Yes, the delulu comes first, and then the confidence from
the delulu exactly.
Speaker 2 (32:27):
Like confidence.
Speaker 5 (32:28):
This goes back to like me saying, oh I'm not
ready okay, but it's not a feeling, it's a choice.
Like being confident is a choice every single time, I
like get on Instagram and ask people, Hey, I want
to do it like a Q and a sesh, like
let's have like a little chat love catching up with
the community, and like, oh my god, some of your
questions are so unhinged. I love it. But always it'll
(32:50):
come up like how are you so confident? How are
you so good at public speaking? I actually just write
a little bit of delusion, but putting that aside, I
just choose that, like I'm not inherently confident, Like I
can pick it.
Speaker 2 (33:06):
Do you want me to.
Speaker 5 (33:06):
Stand in front of the mirror and pick apart every
single thing I'm not entirely confident about about my body?
Speaker 2 (33:12):
Great, I can do that perfectly.
Speaker 5 (33:13):
My personality, Oh, I can rip a new one for myself,
Like I can shred myself in a way that nobody
else could. And I know you can too, Like nobody
else is ever as mean to you as you.
Speaker 2 (33:24):
Are to yourself.
Speaker 5 (33:25):
And once you realize that, you can flip the narrative
and be like, do you know what, no one else
can be as nice to me as I can be
to me. No one's going to have my back in
the same way that I have my own back, because
it doesn't matter how much you love somebody, you're the
only choice for you. If every single person you've ever
known leaves your life, who you left with, yes, yourself.
(33:46):
So you've got to have your own back. And I
think it's true the hardest because when we loop this
back to money, confidence is not about how much money
you have in your bank account. I was in debt
when I started my business. As I said, we ride
on delusion. It's about the stories and the narrative that
you tell yourself. If you are consistently telling yourself you
(34:06):
are not good enough, what are you going to start
believing You're really going to believe it? Well, I believe
when I'm like, oh my god, I'm so bad at this,
Like I've just chosen to not be good at it.
Speaker 2 (34:15):
Like that's exactly it.
Speaker 5 (34:16):
And my wish for you is the kind of confidence,
like I'm not expecting you to get up on a
stage and do a keynote. That's a lot, but it's
the kind of confidence that drowns out the voice that
says you're not ready, or you're not enough yeah, or
that that's not for you. That's like how many times.
Do you go, oh, well, that's nice for them, but
(34:38):
that couldn't happen for me.
Speaker 4 (34:40):
Yeah, Or I couldn't be that kind of pa I couldn't.
Speaker 2 (34:42):
Oh no, like her, it's not true. Yeah, she negotiated
a pay rise like that's very her.
Speaker 4 (34:47):
Like, yeah, ah, that's I.
Speaker 2 (34:48):
Don't have the confidence. No, you do.
Speaker 4 (34:52):
That's the thing, Like I'm going to.
Speaker 2 (34:53):
Slap you don't. It's twenty twenty five, nearly twenty twenty six.
You shouldn't slap people.
Speaker 4 (34:58):
But like, I think you're allowed.
Speaker 5 (35:00):
I would, though she would, I would go do you
think of that? And confidence is I don't know. It's
that little voice in the back of your head where
rach just says, oh no, not yet, not yet, You're
not ready. Do you know you can fight with that
little voice in your head.
Speaker 1 (35:14):
You can.
Speaker 5 (35:14):
You might seem a little bit unhinged, but you can
do whatever you want. Yeah, isn't that cool? Like I
am not embracing free will nearly enough.
Speaker 2 (35:24):
Yeah, that's so true. Like, sorry, you're telling me that. Sorry.
If I go back to six year old Victoria and
I told her you can do whatever you want, go,
can you go to the supermarket and get fruit lives
and eat them for dinner.
Speaker 5 (35:36):
I literally could beck, we are not embracing our free
will enough. And you know when you flip it, that's
not confidence. But like you're saying I could stand up
for myself.
Speaker 2 (35:47):
You're saying that I could just decide. Do you know what?
My body's pretty bloody good. Yeah, what a flipping narrative.
I know, Like ask for the pay rise? What's the
worst that could happen? Yeah?
Speaker 5 (35:58):
They say no, and you go, okay, thank you so
much for that experience, Like you knew you deserved the
yes because you've done all the time, You've done all
the research and I know that you did.
Speaker 2 (36:08):
But like, what's the worst thing they could say?
Speaker 1 (36:09):
No?
Speaker 5 (36:10):
Thanks for the experience in negotiating. I'm coming back to
you in six months. Yeah, it totally starts interesting. Start investing,
like you don't need thousands of dollars?
Speaker 2 (36:19):
Do you know how much you need? Back?
Speaker 4 (36:21):
Dollar?
Speaker 2 (36:21):
One dollar even less?
Speaker 4 (36:23):
Sometimes yep?
Speaker 5 (36:24):
And how much did you start with? I think you
started with the free money because you use so.
Speaker 2 (36:30):
You can even start for free because I'll just give
you ten bucks exactly.
Speaker 5 (36:34):
Make sure that there are a link to our Shares's
code is in the show notes, so that if you
want to start with literally nothing and you just want
to invest with my money, you can, but I think
it's investing. But then not knocking your confidence when the
market wobbles a little bit and going.
Speaker 2 (36:49):
No, no, no, no no, this is going to happen. This
is part of the journey.
Speaker 5 (36:52):
We need to move past analysis paralysis by taking like
one step forward, even if those steps aren't perfect, even
if they're smaller than you kind of hoped them to be. Sorry,
they're still steps in the right direction, not exactly, and
I would be saying no to over committing. Sorry, I'm
so good at that. So this is maybe just like
a little side note for me story devine. Stop overspending,
(37:14):
stop over committing. Yeah, stop it, because I'm just doing
things just because everybody else is sometimes and.
Speaker 2 (37:23):
You just don't need to. You just don't need to.
I didn't even like it.
Speaker 4 (37:28):
So do you think you can go without good? Probably? Can?
Speaker 2 (37:31):
Right. It's like how many.
Speaker 5 (37:33):
Times have I said yes to the third coffee of
the day because my whole team are going down for
the coffee and I don't want to miss out.
Speaker 2 (37:39):
But then get back to my desk and I'm all
shaky because I shouldn't have.
Speaker 5 (37:42):
Said yes to the third coffee because I know I
can't have three coffees, but I just wanted to be involved.
Speaker 2 (37:46):
I know, why is that me? Anyway?
Speaker 5 (37:49):
I think it's about designing a life that looks different
from everybody else's because it just suits you, it suits
what you want to do, and knowing that that is
exactly what is right for you and exactly where you
should be exactly Like and the best thing I have
for confidence is stop looking at other people and just going, oh,
they're so confident.
Speaker 4 (38:06):
Yes, And you know what's.
Speaker 5 (38:07):
Crazy of it, because like that doesn't mean they actually are.
They could be completely masking.
Speaker 4 (38:13):
You never know. The thing about confidence is like our
brains are so powerful and we are completely capable of
doing anything. The only thing holding us back is our
level of confidence, or this thing that we put on ourselves,
like oh, I'm not a good speaker, but say ah,
and you can be. It's just the confidence.
Speaker 2 (38:30):
Level is a choice. Literally, everything is a choice.
Speaker 5 (38:33):
And if a mediocre, middle aged white man can do it,
why the hell can't we?
Speaker 2 (38:37):
Well, why the hell not?
Speaker 5 (38:38):
I said exactly, So I'm going to wrap it up
here as like a little gift with a very big
red bow on it. So as we close out this
year and I guess step into the next, as much
as we've had a laundry list of like probably forty
minutes of me being like.
Speaker 2 (38:53):
A peace and joy I love.
Speaker 5 (38:56):
My wish for you is actually very very simple. It
is peace in your mind and in your money. It
is finding joy in the small things and also the large. Like,
don't get me wrong, like we can still celebrate the large,
but like I promise, the large things feel even larger
when you can celebrate the small things too. Yeah, it's
(39:17):
the freedom to choose differently and live on your own terms.
It's the growth that actually comes from showing up for yourself.
Speaker 2 (39:25):
Again and again and again, and then you're going to.
Speaker 5 (39:27):
Look back on yourself in twelve months and be like,
oh my god, I am a different, better, more well rounded,
more well adjusted, confident human being. And I want you
to have the confidence to have your own back even
when it feels really hard, because it does feel really
hard sometimes it does. Yeah, and like you're never gonna
I'm so sorry, like imposter syndrome.
Speaker 2 (39:48):
I believe in it fully, but I also just disregard it.
I have it. Yeah, I have just decided whatever.
Speaker 4 (39:54):
Honestly, it does fade over time, So if you.
Speaker 2 (39:56):
Have a will, when is it going to fade? Approximately?
I still feel like someone it's going to come.
Speaker 5 (40:00):
Knocking and be like, who gave you a podcast that
you run a mortgage broking business?
Speaker 2 (40:05):
Are you insane?
Speaker 4 (40:07):
The voice does get quieter, though, so stick with it. It
was pretty loud for me, but I understand.
Speaker 5 (40:12):
But that's where I have to be quite aggressive in
choosing yeah to show up and going no, if other
people can do this, I can do this.
Speaker 1 (40:20):
No.
Speaker 5 (40:20):
If you know my friends believe in me, I should
also believe in me. If Victoria believes in me, I do, like, yeah,
do you know what I mean? Like it's a choice,
and for some people the imposters injury, it does fade.
For other people like I just feel like the more
stuff I do, I go, are you sure? Like, are
you're gonna let me do this?
Speaker 1 (40:38):
Like?
Speaker 5 (40:38):
What do you mean?
Speaker 2 (40:40):
I'm grateful for it, but I'm delulu.
Speaker 4 (40:43):
Start trying to view yourself the way your friends see you,
you know? Yeah, So I think it's a great place
to leave it. I agree from all of us that
she's on the Money. We are so proud of you.
Merry Christmas.
Speaker 2 (40:54):
We really do.
Speaker 4 (40:54):
Love you and we cannot wait to see what you
create in twenty twenty six.
Speaker 2 (40:58):
But this is also not goodbye.
Speaker 5 (40:59):
Okay, so we are not going anywhere over this holiday season.
Your other favorite podcasts might be putting their feet up,
but not us, No, So make sure that you are subscribed,
because we'll be right back in your ears with fresh episodes,
hanging out with all of you literally all summer all
New Years.
Speaker 2 (41:16):
You think that are we going to stop? No, sorry,
we committed to.
Speaker 5 (41:20):
The small steps and now they are consistent podcasts exactly.
Speaker 2 (41:24):
So have a really good Christmas tomorrow.
Speaker 5 (41:26):
If you don't celebrate Christmas, I just hope you have
a good flipping day.
Speaker 2 (41:29):
Have a great day.
Speaker 4 (41:30):
See you guys, by guys.
Speaker 5 (41:38):
The advice shared on She's on the Money is general
in nature and does not consider your individual circumstances.
Speaker 2 (41:44):
She's on the.
Speaker 5 (41:44):
Money exists purely for educational purposes and should not be
relied upon to make an investment or financial decision.
Speaker 2 (41:51):
If you do choose to buy a financial.
Speaker 5 (41:53):
Product, read the PDS TMD and obtain appropriate financial advice
tailored towards your needs Victoria Devine and she's on the money.
Are authorized representatives of money sheper P T Y L
T D A b N three two one six four
nine two seven seven zero eight a F s L
four five one two eight nine
My name is Tatasha Bamblet. I'm a proud First Nations
woman and I'm here to acknowledge country t Glenn Young
Ganya Niana, kaka ya Ya bin Ahaka Nian our gay
In Nimbini yakarum jar Dominyama, Domagahawakaman, damon imlan Bumba ban
Gadabomba in and now in wakah ghan On yakram jar Watnataa. Hello,
(00:22):
beautiful friends, we gather on the lands of the Aboriginal people.
We thank, acknowledge and respect the Abiginal people's land that
we're gathering on today. Take pleasure in all the land
and respect all that you see. She's on the Money
podcast acknowledges culture, country, community and connections, bringing you the tools,
knowledge and resources for you to thrive.
Speaker 2 (00:44):
She's on the Money.
Speaker 3 (00:46):
She's on the Money.
Speaker 4 (01:07):
Hello and welcome to She's on the Money, the podcast
that's here to slay your finances this.
Speaker 2 (01:12):
Christmas, Oh you funny.
Speaker 4 (01:14):
I'm backsided And if your brain feels like a half
melted Pavlova right now, you are not alone. This time
of year is a lot, the family dynamics, the money stress,
the expectations, so this episode, it's not about budgets or
hacks or to do lists. It's a little gift from
us to you. Five things we wish for you as
twenty twenty five wraps up and twenty twenty six rolls
in and helping me deliver them is Victoria divine Merry
(01:38):
Christmas vee h.
Speaker 5 (01:39):
There you didn't expect to see me here? No, actually,
Christmas Eve. I you guys know, I'm such a Christmas fiend.
I love the festivity, I love the family, I love
the friend. Oh.
Speaker 2 (01:52):
I love a half melted pavlova. You know what.
Speaker 5 (01:55):
I am a believer that the pavlova is better this
second day, Like you know, when like you've had the party,
everyone like I was like, oh.
Speaker 2 (02:02):
No thanks, no thanks.
Speaker 5 (02:03):
On dessert that it goes into the fridge and then
you eat it the next morning for breakfast.
Speaker 2 (02:06):
That is peak pavlova for me.
Speaker 4 (02:08):
Anything that's been that's had time to marinate overnight is
more delicious.
Speaker 2 (02:12):
Yeah, a marinated pavlova. I've never been a big fan.
Speaker 4 (02:15):
It's been too eggy for my liking. What is wrong
with you?
Speaker 5 (02:18):
You know?
Speaker 2 (02:19):
How did you get on this show? How did you
pass all the like tests we put in place, and
then finding out you don't like Panova.
Speaker 4 (02:25):
I scrape all the cream off the top.
Speaker 5 (02:27):
That's got an Australian not really, Oh my goodness. Well, also,
while I'm here, I just wanted to acknowledge that as
much as I love Christmas, I also think it is
a very good time to talk about how it's actually
not an easy time for everyone in our community. Like
I'm hearing it every day, and I'm just so grateful
that you guys feel safe enough to message me and
(02:47):
be like this is so trash be and I go, yeah,
like that would be trash, Like yes, I'm here to
empathize with you, like we know that it is a
really stressful period of time, whether that is as you
mentioned before, the family dynamic, even the travel, but mostly
at the moment we are still going through a cost
of living crisis, so our finances are taking a hit.
But then we're also just like stressed about that. So
(03:10):
many of you who have been messaging me saying, oh
my god, ve like, I'm so stressed. I can't even
look forward to Christmas because I've overspent.
Speaker 2 (03:18):
So I'm giving these gifts.
Speaker 5 (03:19):
Knowing it's quote the right thing, but I just still
feel like trash about it, Like there's just nothing that
feels good, and so I just I think that the
important thing to remind you of on Christmas Eve, before
Christmas Day, when we're probably all I don't know if
you do this, but like I over analyze everything. I
know you do too, because like the language of yours
is gift giving, and so you're probably like, oh my god,
(03:41):
did I get just enough?
Speaker 2 (03:42):
Or did I do this? Or did I do that?
Speaker 5 (03:46):
The good gifts and the things that matter at this
point of view have nothing to do with physical gifts, right,
Like they aren't wrapped in shiny paper, but they're full
of heart and love and care.
Speaker 2 (03:58):
And I think.
Speaker 5 (03:59):
That's exactly what we all need to be hearing this Christmas.
Like I am so grateful that tomorrow morning I'm going
to wake up with my husband and my son.
Speaker 4 (04:07):
Yeah exactly, just like.
Speaker 5 (04:08):
I'm just so excited, Like I have shake a pancake
mix and I cannot wait to try and make the
dodgiest shaped Christmas tree pancakes in the entire world.
Speaker 2 (04:20):
And that's what I'm excited for.
Speaker 5 (04:22):
And I just hope that you and our community can
find things that you're excited about tomorrow that don't involve
the gifts, that don't involve the fanciest of foods on
the Christmas table, that don't involve money.
Speaker 2 (04:35):
But yes, honestly, that's not what it's about exactly.
Speaker 4 (04:38):
And I feel like, you know, there are some people
who are stressed because they don't have the money, and
there's some people that are stressed or like just feeling
really sad and lonely because they might not have anyone
to celebrate Christmas with it, and some people do celebrate
Christmas at all, which is completely the case.
Speaker 2 (04:50):
I'll still reply on Christmas Day.
Speaker 4 (04:52):
Yeah, well, if you want to say, hey, message us
and then I can, like I can check you on
video call and you can sit and you can.
Speaker 5 (04:58):
Join me in my brothers. I feel like that's so wholesome.
But then also like, don't mope. I know that it sucks,
and I know that you're probably not looking forward to
it all, but like, if you've got the time, it's
Christmas Eve, we've still got time to save this. Write
a list of all the self carey things you could
do tomorrow so that you can put you first, like
you might be on your own but like, what's your
(05:18):
favorite movie, Let's watch that tomorrow. Do you have a
favorite food you could cook? Like, is there a fancy
drink we could go by? Like how do we curate
a cute day.
Speaker 4 (05:26):
That's just for you exactly?
Speaker 2 (05:29):
We could go on a big walk. Are you close
to the beach? Like, do you know what the beach
is going to be dead tomorrow? You could go on
the best self care walk?
Speaker 5 (05:35):
Yeah, And I'm manifesting good Christmas weather, So I just yeah,
I just feel like there's a lot that we could do,
And I think sometimes we just have to choose to
force ourselves to have a good day to yea, even
if it feels a little bit trashy starting.
Speaker 4 (05:50):
Because if you don't have anyone else, you have yourself
and you're going to take yourself on a date. Yes,
that's gorgeous. So we've got our wishless prep.
Speaker 2 (05:58):
Yeah, and color.
Speaker 5 (06:00):
Of course, my n is color coded. It's also in
the notesap of my phone.
Speaker 4 (06:04):
Oh yeah, it's so satisfying, So be what's up first?
Speaker 2 (06:08):
All right, I have written this one down because I want.
Speaker 5 (06:10):
To start with I would say the biggest one, the
most classic, most cliched, totally overused Christmas, which of all time,
but I would say for very good reason. So my
first wish for you is it's not world peace that
you saw that coming. You were like this woman thinks
she's Miss America, although that would be very nice too,
I mean personal, financial, and emotional peace. So I'm literally
(06:34):
just starting with peace. Like I know that that sounds
a little bit cliche, and I prefaced it that it
was going to be. If anything, I am lame, Like
I'm lay that is fine, go back to basics sometimes,
you know, but it's so underrated. Yeah, Like we talk
about wanting success and we want money, and we want,
you know, other people to see us doing well, and
(06:56):
we want shiny things.
Speaker 2 (06:57):
But like I would say, the older I get, the
more I'm like, I just want my peace.
Speaker 5 (07:03):
Yeah, Like I want the flexibility to choose to not
have to rush. And peace matters just as much as
anything else. And it is so okay to just want that.
And the truth is peace doesn't actually just appear like
it's a conscious choice. Like you have to catch yourself
in the negative self talk. You have to be able
(07:26):
to cut.
Speaker 2 (07:26):
Ties with people that you maybe need to.
Speaker 5 (07:29):
Cut ties with so that you can find your peace
and prioritize your peace. But so many of us, especially
at this point of the year, and like, I don't
know about you, but I TikTok doom scroll all the
time and I talk about it all the time. And
the influencer halls at the moment of people just like
being like, oh, and I've bought this and this and
this and this is my Christmas list, and it's all
(07:50):
just so materialistic, and we find ourselves slipping into like
a state of comparison. Even I'm doing it, Like I'm
looking at people's Christmas halls and like them putting together
their kids Christmas stockings, and I'm thinking.
Speaker 2 (08:03):
But have I just not done enough? Like am I
a bad mum? Like I have.
Speaker 5 (08:08):
A very limited Christmas stocking for Harvey because he's not
even yet too I'm like, you don't need anything, Like
I could probably wrap up a pair of socks from
my husband that he's already worn, and my son would
rip it open and be.
Speaker 2 (08:20):
Like, wow, Daddy socks, like exactly.
Speaker 5 (08:22):
So I don't know, I just feel like I've been
slipping into this analysis paralysis or like comparison culture, and
like just put that in the bin, like My first
wish for you literally is peace.
Speaker 4 (08:34):
Yeah, what else.
Speaker 2 (08:36):
Could that look like?
Speaker 5 (08:37):
I suppose, especially when it's not just Christmas related, because
I think that I just wish this for you now
and into the future. But like not spiraling when you
see somebody else's gone on holiday on Instagram, not going, oh,
I can't believe they can afford that, Like that's crazy.
Speaker 2 (08:53):
They probably can't.
Speaker 5 (08:54):
So they can't.
Speaker 2 (08:56):
They're probably in debt.
Speaker 5 (08:57):
I also want you to forgive yourself if you're listening
to this episode and you're like, oh my god, VI,
I know, but I also already overspent, Like I already
overspent this Christmas Like it's cooked.
Speaker 2 (09:08):
Eh, who cares? You already did it? Don't worry? Why
are you beating yourself up?
Speaker 4 (09:13):
Also, the fact that you overspent means that you were
trying to buy things for either yourself.
Speaker 2 (09:17):
Yeah, Like are you just a good human trying to
do a good human Like just because you did one
thing that you're like, oh, I wish I didn't do that.
Speaker 5 (09:24):
Like, let's just not beat ourselves up. The what do
you get out of that except for feeling like trash?
Like making people feel like trash doesn't help them change.
I want you to even have hopefully a tiny buffer
so that if an unexpected bill pops up, it doesn't
knock you out. So tomorrow, if hypothetically you open a
(09:44):
present and you're like, oh, I don't really need this.
Speaker 2 (09:46):
Facebook marketplace is looking so good.
Speaker 4 (09:48):
Yeah, and that.
Speaker 5 (09:49):
Could be like a little like I don't know, emergency
fund buffer like you true, thanks Sony Karen for that
present that just turned into my emergency fund.
Speaker 2 (09:58):
Very nice.
Speaker 5 (10:00):
It's also and I talk about this all the time,
automate your money so that doesn't live rent free in
your head if you're always thinking about money, when your next.
Speaker 2 (10:06):
Bill is you direct debits exist.
Speaker 5 (10:09):
Set these things up automated, stick in an automation so
that your savings go to savings, your investments go to investments,
or your debt repayments go to debt repayments.
Speaker 2 (10:18):
Just get it done.
Speaker 5 (10:19):
And also, can we just remind everybody here and now
that your worth is not dictated by your bank account exactly.
Have you ever been like, I really want to hang
out with her. She's really cool. She's got so much
money in her bank totally that that doesn't happen.
Speaker 2 (10:35):
That's not a real thing.
Speaker 4 (10:36):
That doesn't happen and I but also, yeah, at the
end of it all, I really think, like whether you
have overspent, whether you've whatever. I just think, isn't it
so great that you have people that you can overspend on?
Speaker 2 (10:48):
Do you know what I mean exactly? And even if that.
Speaker 4 (10:50):
Person is yourself, you deserve all the treats in the world.
Speaker 5 (10:53):
You deserve a million treats, you really do. You are
also the sweet treat.
Speaker 4 (10:57):
You're the sweet treat, and you deserve a sweet treat.
So next on the list is another very Christmas y wish.
I we sa it is joy.
Speaker 5 (11:05):
Yeah, okay, so we didn't say that this wasn't going
to be lame like where we're like, this is going
to be stereotypical, but we'll make sure that it sticks.
Speaker 2 (11:13):
Right Yeah yeah yeah.
Speaker 5 (11:15):
So we see it all the time, people thinking that
they need to choose between like their fun or their finances.
And I think so much of the conversation around money
is about restraint.
Speaker 2 (11:25):
And how many times do I say.
Speaker 5 (11:26):
Your budget isn't about restricting yourself, It's about understanding, let's
not forget the money can also spark joy, yeap, Like
that's allowed. In fact, it's essential, Like Otherwise, if you're
restricting yourself forever, you're going to blow out or burn out.
And this one is so important, especially for those of
us who are like savers and we really struggle to
(11:48):
actually spend our money our community members who are chasing
joy with money, but then they're overspending in the wrong places,
Like that's not the type of joy we're talking about, Like,
how do you create a buffer so even when you
do spend on fun things, you don't feel guilty because
how many times do we hear on money diaries and
just from our community like.
Speaker 2 (12:07):
Oh, v like I do it. I do. I have
a budget and it's for fun stuff.
Speaker 5 (12:11):
But when I go and get my nails done, I
just feel really guilty because that was fifty dollars that
I probably didn't need to spend on myself. Hey sorry, sorry,
that's a good things.
Speaker 2 (12:21):
It sparks joy, Like we don't feel guilty about that.
That's why we have a plan.
Speaker 5 (12:26):
And I guess in addition to all of that, when
I say, oh, like, let's find joy, find joy in
the simple things like going for a walk, feeling the
cold air on your face, Like can you go for
a swim? Can you get a dollar fifty coffee from
seven to eleven. I didn't do it with someone you love,
light Beck.
Speaker 4 (12:46):
Exactly, do you know what I mean?
Speaker 5 (12:48):
Like, Yeah, I feel like the more successful I am,
and I'm so grateful for that.
Speaker 2 (12:53):
But the more successful i.
Speaker 5 (12:54):
Am, the more I'm falling back on the little things
actually being the big things. Yeah, yeah, the more I'm like, oh,
that walk goes so good, And how the hell are
you going to be grateful for the really big things
if you don't even care about the small things totally?
Speaker 4 (13:08):
And I really think like if you're attaching guilt to
joy and you know, we we I think have been.
This has been drilled into us since like kids, because
if you aren't studying or if you aren't paying attention
in school, if you're doing anything that sparks joy, it's like, well,
you shouldn't be doing that, but we can let go
of that, you know.
Speaker 2 (13:28):
We should be Well, you just choose not to do that, Like.
Speaker 4 (13:30):
Yeah, you just you should be feeling joy and you
can feel joy and you're allowed to feel joy. Don't
attach guilt to that because then it takes all the
joy out of the little things.
Speaker 5 (13:38):
Exactly, And like I want you to spend your money
on things that actually light you up, not what just
looks good and shiny on Instagram. And you need to
separate those two things because it's so easy.
Speaker 2 (13:50):
I'm so easily influenced.
Speaker 5 (13:52):
Beck, Like I see something on Instagram, and then I
see it a few more times, I'm like, maybe I
do need that.
Speaker 2 (13:57):
Yeah, totally, Like what do you actually enjoy?
Speaker 5 (13:59):
Are you doing that because you just want to feel
included and you know, want to join in on a
trend or you're like, oh my god, I'm so excited
to buy a polymerclay set and like start making little
trinkets like go run your own race.
Speaker 2 (14:14):
Do what lights you up? Because, don't get me.
Speaker 5 (14:18):
Wrong, feeling the buzz when you see like your debt
shrinking or your savings growing is actually incredible. So we
need to be balanced about this, right, So we're not
just spending only on joy and being like no, Victoria
said spark joy always like sorry, how good does it
feel back to.
Speaker 2 (14:35):
Get out of debt?
Speaker 4 (14:36):
Oh my god, for so good?
Speaker 5 (14:37):
But also how much easier is life and how much
better do you feel when you're like, oh, I've got
five hundred dollars in my investing account or, I've got
money in savings, like everything feels easier.
Speaker 2 (14:49):
Yeah, So like that needs to be a priority as well.
Speaker 5 (14:51):
So don't get me wrong, We're not just like throwing
money at things that spark joy, because I feel like
a lot of the time a lot of us are,
and this is maybe me being a little bit negative,
but us saying things like no, it's self care, I
deserve it. I'm really flat at the moment when the
reality is you haven't gotten off your button, gone for
a good walk, you haven't called a friend and caught
(15:13):
up with them recently, you haven't done anything actually to
nourish you. You're not drinking enough water, you're not actually
doing all of the basic fundamental self care things. But
then you're justifying a massage and being like, well, I
need it for my self care. Like, let's just get
our little house sorted, actually care about ourselves.
Speaker 2 (15:29):
Let's look at our debt, let's get out of our debt.
Speaker 5 (15:32):
Let's make sure that if you had a savings plan,
you're committing to that because long term, that's what's going
to pay off. Long term, that's how you're going to
feel better about yourself and feel good. Right, totally and
you know what that's going to do.
Speaker 4 (15:45):
Spark joy, spuck joy.
Speaker 2 (15:46):
See I wrapped it.
Speaker 4 (15:48):
God, she's good.
Speaker 2 (15:49):
Oh, I'm really impressed with myself.
Speaker 5 (15:51):
So let's go to a really quick break because I
don't think it's going to get better in terms of
me wrapping it there.
Speaker 2 (15:57):
And on the flip side, we're going to unpack a.
Speaker 5 (15:59):
Wish that has I guess central to She's on the
money from the very beginning, So don't go anywhere.
Speaker 4 (16:09):
Okay, guys, we are back, and so far we've had peace,
we've had joy. And this next one isn't something you'd
normally see on a Christmas card, but I have a
feeling that if she's on the money made Christmas cards.
Speaker 2 (16:19):
It probably would be it. Actually it is on our
Christmas cards from last year.
Speaker 4 (16:24):
Well I'm terrible, sorry, it's very obvious you've been reading them.
Speaker 1 (16:27):
Yep.
Speaker 5 (16:27):
We did Christmas cards last year and you probably haven't
seen them because like I did custom Christmas cards, she's
on the money, branded and themed. But to go out
to all of our clients and like gotchness and like
to my team and whatnot. And the word is freedom. Yes,
like a lot of the just like complete side note.
One of the things we did for clients, not last year,
(16:49):
but a couple of years ago was I actually put
a gift card in there and I said.
Speaker 2 (16:54):
It was the gift of financial freedom.
Speaker 5 (16:55):
Oh that's because then on the inside I said that
you've got the freedom to do whatever you want with
this money.
Speaker 4 (17:00):
That's cool.
Speaker 5 (17:01):
I was, like, you could give it away, you could
give it to someone else, you could spend it on yourself,
you could get your nails done, you could like literally
do anything. You could buy a chocolate cake and eat it,
like I don't care give it to charity, but like,
this little money is the gift of financial freedom, and
I just thought that was really fun. So yes, it's
been on the cards, but you're not going to be surprised.
Freedom is the next thing that I wish for literally everybody,
(17:24):
And it's literally one of the reasons I started Sheese
on the money. I want every single person ever to
just have the freedom that money brings. Like I'm not
saying you need to get filthy rich, although if you
want to get filthy rich, you're in the right place.
I can teach you that too, but freedom to have choice,
like you can walk out of a toxic job.
Speaker 2 (17:46):
You can say if you to a.
Speaker 5 (17:48):
Bad landlord or even a bad relationship, because you've built
yourself a really good financial cushion, you could even say
no to a really bad date and then just get
a really expensive uber home.
Speaker 4 (17:58):
That's it.
Speaker 2 (17:59):
Do you know what I mean? That is freedom? Like
imagine being able to be on.
Speaker 5 (18:03):
This terrible date and walking out and getting in an
ubart ghosting them.
Speaker 4 (18:07):
Oh my god.
Speaker 2 (18:08):
I'm not saying that that's a good thing.
Speaker 4 (18:09):
To do, but you could, you know, and the feeling
of being like, yeah, I will get a nice cream
right now, Why the hell not? And not having really
transfer yourself from another account that has your bills money
in it would be so nice exactly.
Speaker 5 (18:22):
And we also need to say that freedom isn't like
living like a billionaire and just being like, oh my god,
like you can just do whatever you want, just start
living back, it doesn't matter, it does matter. We need
to live within our means in a way that still
lets you sleep at night, because to me that's freedom
as well. Yes, Like for me, financial freedom isn't this
number that a lot of people are like, oh, what's
(18:44):
your financial freedom number? Back, and you might go, oh,
it's one point two million dollars because then I'll have
a sixty thousand dollars income and.
Speaker 2 (18:49):
Like that is great.
Speaker 5 (18:50):
And for me, I talk about financial freedom in that
aspect because to me, that's creating you know, sustainable income.
That's not what I'm talking about, Like, I'm talking about
the freedom that I felt when I was still.
Speaker 2 (19:03):
In like forty thousand dollars worth of debt.
Speaker 5 (19:05):
It's probably at like thirty five thousand dollars at that
point when I had finally built up enough of a
cash buffer and had an emergency account and I finally
was like, oh my god, like I can finally see
the light at the end of the tunnel. Yes, I'm
still in debt, but I still have like an emergency
fund and everything's tracking and I can afford my bills
and I'm not going into further debt, and oh that
felt good. Like I'm not saying that financial freedom is
(19:27):
this finite number that we are working towards for the future.
For me, it's about watching your debt string instead of
grow and feeling like every single repayment is I don't know,
reclaiming you, yeah, like and a little piece of yourself
and knowing that the small choices that you're making today, Beck,
they're opening doors in the future for you.
Speaker 2 (19:48):
Like it just when you start to.
Speaker 5 (19:50):
Put your financial future first, you start to go oh,
like it's it's not as bad. Like stuff happens much
quicker than I thought, Like you're not going to wake
up to morrow. Beck can be like, oh, well, yesterday
I decided to start investing in myself, and today I've
got a dollar Like.
Speaker 2 (20:06):
That's not what happens.
Speaker 5 (20:07):
But like you know, I keep using you as an example,
and I think that you're literally the perfect example because
I have been.
Speaker 2 (20:14):
Working on your sorry, but for so long.
Speaker 5 (20:17):
Like bech safe, bech safe, bech safe, Like let me
do your budget, let me do your cash flow. Fine,
I can rant and rave for as long as possible,
but that feeling, like I can tell you, And how
many times have I said, Beck, do you know how
good you'll feel when you have an emergency fund? Do
you know how good you'll feel once you start investing?
You're like yeah, yeaheah, whatever, whatever. What does it now
(20:38):
feel like to have a little investment fund? Did you
expect it to be where it is today?
Speaker 4 (20:43):
It feels really good? And no, I didn't because I
was I could never ever save. And it's just been
like I keep getting emails from Cheersy's being like, we've
got your top up of five dollars, and I'm like,
I don't remember ever putting this top up on, but
five dollars has gone and I did not notice it.
And that's credible. And it just like keeps going up
and up and I'm not doing anything about it, and
(21:04):
it is just.
Speaker 5 (21:05):
Knowing it's there and I don't want you to pull
it out, like and you haven't yet, which honestly slag queen,
thank you, but like just knowing.
Speaker 2 (21:11):
They're like, let's pretend a really big, unexpected bill happens
and you.
Speaker 5 (21:16):
Know, something really bad. Sorry, you've got access to cash.
Isn't that crazy?
Speaker 4 (21:20):
That is crazy. It's never ever ever happened. It doesn't ever.
Speaker 2 (21:23):
Feel like you're a little bit more free.
Speaker 4 (21:26):
Definitely, there's definitely a part of it. It's like, I, yeah,
if if something went really bad and I needed twelve
hundred dollars right now, is it a twelve hundred dollars?
Speaker 2 (21:35):
Is it twelve hundred dollars? Are you joking?
Speaker 5 (21:38):
I keep saying like, oh, I remember when it hit
like five hundred, I.
Speaker 2 (21:41):
Know, four figures.
Speaker 4 (21:43):
Yes, could you believe that?
Speaker 2 (21:45):
Hold on? Hold on, hold on.
Speaker 5 (21:46):
So backtrack in the last twelve months. This is not
a recap. We'll do maybe a recap episode at some point.
But in twenty twenty five, Becksied invested twelve hundred dollars.
Speaker 4 (21:56):
Yeah, stop it.
Speaker 2 (21:58):
Yeah, well I don't. It's crazy. I don't remember more
than dollars. Yeah, I told you in January.
Speaker 5 (22:03):
If I tell you down in January and said, beck, so, yeah,
you're going to invest more than one thousand dollars this year.
Speaker 2 (22:07):
Would you believe me?
Speaker 4 (22:08):
No, because I wouldn't. I can't afford that. And then
somehow it's just in there and I don't. It really
does make a difference, just putting those little roundups.
Speaker 2 (22:15):
On, and it was good.
Speaker 4 (22:18):
If you spend like I do, before you know it,
you'll have one thousand dollars in roundups going straight in there.
Speaker 5 (22:24):
But that's the freedom, right, freedom, And like I don't
know if you can hear the energy in.
Speaker 2 (22:28):
Both of our voices, like like, oh do you like it,
and you're like, oh yeah.
Speaker 5 (22:32):
Actually, there's that level of excitement where you go, this
isn't like it used to be. This isn't the conversation
where we're talking about Okay, Beck, tell me how much.
Speaker 2 (22:40):
Debt you in? Like how do we get out of that?
Speaker 5 (22:42):
Can we find an extra thirty bucks a month to
pay off that debt? And like that would have been
unfathomable to you for a long time, where were like
the I can't find that, Like where would I get
an extra thirty dollars?
Speaker 2 (22:52):
Like and when you started on the show, you were
talking about.
Speaker 5 (22:55):
Like, oh, sometimes I have seventy nine cents in my account,
but I can make that work, and like that's good
and that's fine, and we still hold those like I
don't know if we call them values, but like sometimes
we still like that totally.
Speaker 2 (23:06):
We just are who we are.
Speaker 5 (23:07):
But like you've set up the frameworks to start building
your financial future.
Speaker 2 (23:12):
That feels good.
Speaker 4 (23:13):
It feels so good. And that freedom could even just
be like going to bed at night and knowing that
a deck collector is not calling you. You don't have
a miscall from them, no one's waiting for money. You
just that anxiety is kind of gone. So I really
do hope we can get we.
Speaker 2 (23:27):
Have a thousand decent we can get there. And I
wish that for literally everybody in there.
Speaker 4 (23:31):
Absolutely. Okay, so freedom feels like a pretty big one, yes,
because it was yeah oh yeah, So where do we
even go from there?
Speaker 2 (23:39):
Okay? The next one is growth?
Speaker 5 (23:41):
Okay, so like probably not in the way that you're
expecting me to say, but like freedom is exciting, but
growth is what makes it happen. So like, you can't
just be free one day. You can't just wake up
and be like, I'm free, I'm moving to Bali and
I'm just not going to think about finances. Growth is
what makes it possible. And unfortunately, the truth is growth
doesn't feel.
Speaker 4 (24:00):
A nice It sucks growing pains.
Speaker 2 (24:03):
Yeah, yeah, yeah.
Speaker 5 (24:05):
Like someone said the other day, I can't even remember
what or else. It's probably either a TikTok or a
podcast I was listening to. They were like, I just
don't feel ready, and they were like, ready's not a feeling.
Speaker 2 (24:16):
Ready is a choice.
Speaker 5 (24:17):
Ready is a choice, Like you say, Okay, I'm ready,
I'm just going to do it like I feel like
so much of the time, especially women, we say I
just don't feel ready, like we overanalyze things. I just
don't feel prepared. No, no, no, it's not a feeling. Yeah,
put that in the bin. It is our choice. Growth
is a choice, and you just chose to start doing it.
(24:38):
And it's a really small decision at the very start,
and then all of a sudden you've got twelve hundred
dollars in your Sharesa's account. It's showing up again and
again and committing to something over the long time is
choosing progress over perfection.
Speaker 2 (24:52):
And that's the growth.
Speaker 5 (24:53):
That I'm wishing for you, not oh my gosh, I
really hope that next year you get a thirty thousand
dollars pay increase and like money win. Like it's really
about being consistent. It's that twenty dollars a week that
you are saving. Done steadily, you can change your life
more than just like a one off burst of massive energy. Yeah,
(25:14):
Like we talk in our community all the time, like
what are things that you could do to like get
some extra cash in the door.
Speaker 2 (25:19):
And that's so good.
Speaker 5 (25:20):
And you might go sell all your clothes at a
market or you might like cull the stuff at home,
put it on Facebook marketplace. You might go do like
air tasker tasks. It doesn't matter, like you might be
hustling to get some cash in the door. But if
you just have that hustle for one weekend and be like,
I'm going to smash this out of the park and
you make five hundred bucks, money win, But like sorry,
(25:41):
the roundups are.
Speaker 2 (25:43):
More powerful in the long term totally. Like you could.
Speaker 5 (25:46):
Hustle, and if I sat you down and said, beck,
if you hustled all weekend and got five hundred bucks cash,
you'd probably be like, yeah, money win. That's a good
weekend totally, But like sorry, slow and steady wins the race.
And it's actually not that sexy growth. He's not sexy.
It is not glamorous, and sometimes it can just feel
like showing up with consistency, putting away twenty bucks a week,
like automating it so it automatically goes into your savings
(26:08):
or your investments, or into your debt repayments, and letting
that habit change your life more than just those one
off bursts of like I'm finally motivated and I'm going
to get out of debt. I'm going to do this
whole budget and cash flow and I'm going to find
five hundred bucks and then I'm going to put it
onto my debt and then I'm too exhausted to think
about it again.
Speaker 2 (26:25):
So let's just like not think about that again. Yeah.
Speaker 5 (26:28):
Yeah, And we have all been there, especially me because
I have ADHD and I'm really good at locking into something.
It's also about getting curious instead of getting embarrassed about
what you don't know, and realizing that literally every silly
question is actually a step towards power.
Speaker 4 (26:45):
Yes, and like we all say.
Speaker 2 (26:47):
There's no silly questions, like, I've heard of silly questions.
Speaker 5 (26:50):
Yeah, I'm also happy to answer them because I know
that they're not coming from.
Speaker 2 (26:54):
A silly place. You might go, oh, it's a silly question,
but what's this? Sorry? Why is that silly? Were you
taught before?
Speaker 4 (27:00):
Exactly?
Speaker 5 (27:02):
I think a silly question is a question that you
ask a million times over, but you never listen to
the response. Yes, that's silly, And if you kept asking
me back, I'd be like, that's a silly question because
we've been here before.
Speaker 2 (27:13):
Different if you're.
Speaker 4 (27:13):
Not, if you can't absorb it, because it's quite complicated.
Speaker 2 (27:15):
No, that's a different story. By that's your name, we
get story.
Speaker 5 (27:18):
Yeah, different story building resilience as well, So when something
unexpected happens, like a bill pops up, which, by the way,
this season, I feel like we're all just there's going
to be a bill. It's gonna come going to There's
going to be someone who comes and pokes you and goes, hey,
did you forget that sixty bucks?
Speaker 2 (27:36):
You go, what the hell?
Speaker 5 (27:37):
Yeah?
Speaker 2 (27:37):
I got a parking ticket the other day. Oh no,
I never get parking tickets. Bare I think you should
you get parking tickets. I don't get parking tickets.
Speaker 4 (27:45):
It's not like us.
Speaker 5 (27:46):
And I thought that I was doing the right thing.
It said like one hour zone, and I was in
a rush. And then it turns out it was like
a one hour zone for all the times that it
wasn't a male zone and it's a male zone between
ten and twelve pm, males only. And I was like, yeah, okay,
I'm not a male and the male man must have
wanted to come because I ended up with one hundred
and twenty two dollars.
Speaker 2 (28:06):
Fine, I think you should fight it. I already paid it.
Oh god, I already paid it.
Speaker 4 (28:13):
The freedom this is what we talk about freedom.
Speaker 2 (28:14):
I already paid it.
Speaker 5 (28:15):
But I know it's on me because I should have
read the sign better. But I was just stoked that
I saw a one hour zone any of the shop
that I needed to go to, and it's Christmas and
I was in a rush, you know.
Speaker 2 (28:27):
No I was, Oh yeah, it was annoyed.
Speaker 5 (28:28):
The fine cost me more than the present I was buying.
Oh no, anyway, it doesn't matter. But I think that
it's being resilient so that if that happens to you
as well, or if a market dip happens, or there's
a job change, like, we can adapt and we don't
have to spiral, and that doesn't send us completely off.
Because I pulled money out of my emergency fund to
pay for that. Yeah, so I was completely fine, and
(28:52):
I was annoyed. I didn't like it, but that financial
impact didn't change my ability to pay my mortgage or
you know what. I come from a place of privilege.
But I also need to point out that I wasn't
always this way. I had to build this from the
ground up myself. So when I talk about, like, oh,
I have multiple mortgages, some people will be like, you're
(29:12):
so entitled. No no, no, no, I worked so damn
hard for that. And if I can do that, you
can do that too, Yes, you can do that, Like
it can't be that hard if I can do it,
because I'm telling you right now, I'm not the smartest
person in the entire world, and if I was, I
would just have a podcast.
Speaker 4 (29:28):
Oh there you go.
Speaker 2 (29:29):
Also catching your own triggers.
Speaker 5 (29:31):
Yes, So whether it is like sales and you're getting
a little bit like excited about the sales, or comparison
or guilt spending, let's learn how to pause before like
autopilot takes over and we're already down at Tjmax buying
more sale Christmas stuff.
Speaker 1 (29:46):
You know.
Speaker 5 (29:47):
Also, we need to redefine our energy. That sounds really
hippie dippy. Doesn't it redefine your ends? I wouldn't pick
that from you, redefine your identity and energy because I
think so many times we just decide that something is
our narrative because we just.
Speaker 2 (30:06):
Have felt it for so long that well it must
be true. Yeah, I know what you mean, Like, oh, well.
Speaker 5 (30:11):
I'm bad with money, Yeah, so was I. At one point,
would you say I'm bad with money?
Speaker 4 (30:15):
Now, beck, I wouldn't think so.
Speaker 2 (30:17):
Well, I mean sometimes bad money. We've got a podcast.
Speaker 5 (30:20):
But but we don't need to define ourselves at all.
But so many of us define ourselves as I am
someone who's bad with money. That's why I have to
listen to Sheese on the Money. You're someone who is
proactive around money.
Speaker 2 (30:34):
Exactly.
Speaker 5 (30:34):
He wants to be really good with money. You are capable,
you can improve every single day. Like, sorry, what is
even bad with money? He's bad with money?
Speaker 2 (30:44):
Donald Trump?
Speaker 4 (30:45):
Exactly, exactly, exactly.
Speaker 2 (30:47):
Do you know what?
Speaker 5 (30:48):
Like?
Speaker 2 (30:48):
I know you'd be like, oh, is he really his
a billionaire? Yeah? Do you know how many times he's
got bankrupt? He is bad with money. He's so nothing
he is He should be.
Speaker 5 (30:57):
Grateful and standing on that podium being like I'm grateful
for my intergenerational wealth.
Speaker 2 (31:02):
Yes, because that is what he's holding him up.
Speaker 4 (31:04):
That's it. Without it, he might be prob.
Speaker 2 (31:06):
We're not bad her money. No, he bat it money.
Speaker 5 (31:08):
Oh yeah. Anyway, I think it's becoming more like yourself,
not about becoming a new you. You don't need to
completely redefine yourself and be like, oh well I need
to find this new identity.
Speaker 4 (31:19):
Yeah, no, who are you?
Speaker 2 (31:21):
What do you like?
Speaker 4 (31:22):
That's such a good point because I feel like I
am prone to overspending. Because I know that I'm prone
to overspending. It I'm just can you.
Speaker 2 (31:30):
Just justify it because you're like, oh that's so me.
Speaker 4 (31:33):
Yeah, like, oh, I don't really have much self control,
but I'm like I could. If I start telling people
or telling myself I had self control, maybe i'd have
self control.
Speaker 2 (31:40):
You can literally make anything up and make it stick. Yeah,
you really care? Like it's actually crazy?
Speaker 5 (31:46):
Do you know what is going to be one of
my favorite things to live into twenty twenty six?
Speaker 2 (31:51):
Delusion?
Speaker 5 (31:52):
Oh yeah, sorry, if I can see somebody else has
already done something, yeah, why can't I?
Speaker 4 (31:57):
Next on this is delusion. We wish that, we wish
that for you in tween queens.
Speaker 2 (32:02):
Yeah, but not delusion, not delusion.
Speaker 4 (32:04):
No, the next one is tough. I think it's something
we will struggle with.
Speaker 2 (32:09):
Delusion.
Speaker 4 (32:10):
I've got so much delusion delusion, and I think they
go hand in hand. Confidence.
Speaker 5 (32:15):
Yes, but you get more confidence by being more delulu exactly.
It's so as I said, I wish more Delulu on you.
Speaker 4 (32:21):
Yes, the delulu comes first, and then the confidence from
the delulu exactly.
Speaker 2 (32:27):
Like confidence.
Speaker 5 (32:28):
This goes back to like me saying, oh I'm not
ready okay, but it's not a feeling, it's a choice.
Like being confident is a choice every single time, I
like get on Instagram and ask people, Hey, I want
to do it like a Q and a sesh, like
let's have like a little chat love catching up with
the community, and like, oh my god, some of your
questions are so unhinged. I love it. But always it'll
(32:50):
come up like how are you so confident? How are
you so good at public speaking? I actually just write
a little bit of delusion, but putting that aside, I
just choose that, like I'm not inherently confident, Like I
can pick it.
Speaker 2 (33:06):
Do you want me to.
Speaker 5 (33:06):
Stand in front of the mirror and pick apart every
single thing I'm not entirely confident about about my body?
Speaker 2 (33:12):
Great, I can do that perfectly.
Speaker 5 (33:13):
My personality, Oh, I can rip a new one for myself,
Like I can shred myself in a way that nobody
else could. And I know you can too, Like nobody
else is ever as mean to you as you.
Speaker 2 (33:24):
Are to yourself.
Speaker 5 (33:25):
And once you realize that, you can flip the narrative
and be like, do you know what, no one else
can be as nice to me as I can be
to me. No one's going to have my back in
the same way that I have my own back, because
it doesn't matter how much you love somebody, you're the
only choice for you. If every single person you've ever
known leaves your life, who you left with, yes, yourself.
(33:46):
So you've got to have your own back. And I
think it's true the hardest because when we loop this
back to money, confidence is not about how much money
you have in your bank account. I was in debt
when I started my business. As I said, we ride
on delusion. It's about the stories and the narrative that
you tell yourself. If you are consistently telling yourself you
(34:06):
are not good enough, what are you going to start
believing You're really going to believe it? Well, I believe
when I'm like, oh my god, I'm so bad at this,
Like I've just chosen to not be good at it.
Speaker 2 (34:15):
Like that's exactly it.
Speaker 5 (34:16):
And my wish for you is the kind of confidence,
like I'm not expecting you to get up on a
stage and do a keynote. That's a lot, but it's
the kind of confidence that drowns out the voice that
says you're not ready, or you're not enough yeah, or
that that's not for you. That's like how many times.
Do you go, oh, well, that's nice for them, but
(34:38):
that couldn't happen for me.
Speaker 4 (34:40):
Yeah, Or I couldn't be that kind of pa I couldn't.
Speaker 2 (34:42):
Oh no, like her, it's not true. Yeah, she negotiated
a pay rise like that's very her.
Speaker 4 (34:47):
Like, yeah, ah, that's I.
Speaker 2 (34:48):
Don't have the confidence. No, you do.
Speaker 4 (34:52):
That's the thing, Like I'm going to.
Speaker 2 (34:53):
Slap you don't. It's twenty twenty five, nearly twenty twenty six.
You shouldn't slap people.
Speaker 4 (34:58):
But like, I think you're allowed.
Speaker 5 (35:00):
I would, though she would, I would go do you
think of that? And confidence is I don't know. It's
that little voice in the back of your head where
rach just says, oh no, not yet, not yet, You're
not ready. Do you know you can fight with that
little voice in your head.
Speaker 1 (35:14):
You can.
Speaker 5 (35:14):
You might seem a little bit unhinged, but you can
do whatever you want. Yeah, isn't that cool? Like I
am not embracing free will nearly enough.
Speaker 2 (35:24):
Yeah, that's so true. Like, sorry, you're telling me that. Sorry.
If I go back to six year old Victoria and
I told her you can do whatever you want, go,
can you go to the supermarket and get fruit lives
and eat them for dinner.
Speaker 5 (35:36):
I literally could beck, we are not embracing our free
will enough. And you know when you flip it, that's
not confidence. But like you're saying I could stand up
for myself.
Speaker 2 (35:47):
You're saying that I could just decide. Do you know what?
My body's pretty bloody good. Yeah, what a flipping narrative.
I know, Like ask for the pay rise? What's the
worst that could happen? Yeah?
Speaker 5 (35:58):
They say no, and you go, okay, thank you so
much for that experience, Like you knew you deserved the
yes because you've done all the time, You've done all
the research and I know that you did.
Speaker 2 (36:08):
But like, what's the worst thing they could say?
Speaker 1 (36:09):
No?
Speaker 5 (36:10):
Thanks for the experience in negotiating. I'm coming back to
you in six months. Yeah, it totally starts interesting. Start investing,
like you don't need thousands of dollars?
Speaker 2 (36:19):
Do you know how much you need? Back?
Speaker 4 (36:21):
Dollar?
Speaker 2 (36:21):
One dollar even less?
Speaker 4 (36:23):
Sometimes yep?
Speaker 5 (36:24):
And how much did you start with? I think you
started with the free money because you use so.
Speaker 2 (36:30):
You can even start for free because I'll just give
you ten bucks exactly.
Speaker 5 (36:34):
Make sure that there are a link to our Shares's
code is in the show notes, so that if you
want to start with literally nothing and you just want
to invest with my money, you can, but I think
it's investing. But then not knocking your confidence when the
market wobbles a little bit and going.
Speaker 2 (36:49):
No, no, no, no no, this is going to happen. This
is part of the journey.
Speaker 5 (36:52):
We need to move past analysis paralysis by taking like
one step forward, even if those steps aren't perfect, even
if they're smaller than you kind of hoped them to be. Sorry,
they're still steps in the right direction, not exactly, and
I would be saying no to over committing. Sorry, I'm
so good at that. So this is maybe just like
a little side note for me story devine. Stop overspending,
(37:14):
stop over committing. Yeah, stop it, because I'm just doing
things just because everybody else is sometimes and.
Speaker 2 (37:23):
You just don't need to. You just don't need to.
I didn't even like it.
Speaker 4 (37:28):
So do you think you can go without good? Probably? Can?
Speaker 2 (37:31):
Right. It's like how many.
Speaker 5 (37:33):
Times have I said yes to the third coffee of
the day because my whole team are going down for
the coffee and I don't want to miss out.
Speaker 2 (37:39):
But then get back to my desk and I'm all
shaky because I shouldn't have.
Speaker 5 (37:42):
Said yes to the third coffee because I know I
can't have three coffees, but I just wanted to be involved.
Speaker 2 (37:46):
I know, why is that me? Anyway?
Speaker 5 (37:49):
I think it's about designing a life that looks different
from everybody else's because it just suits you, it suits
what you want to do, and knowing that that is
exactly what is right for you and exactly where you
should be exactly Like and the best thing I have
for confidence is stop looking at other people and just going, oh,
they're so confident.
Speaker 4 (38:06):
Yes, And you know what's.
Speaker 5 (38:07):
Crazy of it, because like that doesn't mean they actually are.
They could be completely masking.
Speaker 4 (38:13):
You never know. The thing about confidence is like our
brains are so powerful and we are completely capable of
doing anything. The only thing holding us back is our
level of confidence, or this thing that we put on ourselves,
like oh, I'm not a good speaker, but say ah,
and you can be. It's just the confidence.
Speaker 2 (38:30):
Level is a choice. Literally, everything is a choice.
Speaker 5 (38:33):
And if a mediocre, middle aged white man can do it,
why the hell can't we?
Speaker 2 (38:37):
Well, why the hell not?
Speaker 5 (38:38):
I said exactly, So I'm going to wrap it up
here as like a little gift with a very big
red bow on it. So as we close out this
year and I guess step into the next, as much
as we've had a laundry list of like probably forty
minutes of me being like.
Speaker 2 (38:53):
A peace and joy I love.
Speaker 5 (38:56):
My wish for you is actually very very simple. It
is peace in your mind and in your money. It
is finding joy in the small things and also the large. Like,
don't get me wrong, like we can still celebrate the large,
but like I promise, the large things feel even larger
when you can celebrate the small things too. Yeah, it's
(39:17):
the freedom to choose differently and live on your own terms.
It's the growth that actually comes from showing up for yourself.
Speaker 2 (39:25):
Again and again and again, and then you're going to.
Speaker 5 (39:27):
Look back on yourself in twelve months and be like,
oh my god, I am a different, better, more well rounded,
more well adjusted, confident human being. And I want you
to have the confidence to have your own back even
when it feels really hard, because it does feel really
hard sometimes it does. Yeah, and like you're never gonna
I'm so sorry, like imposter syndrome.
Speaker 2 (39:48):
I believe in it fully, but I also just disregard it.
I have it. Yeah, I have just decided whatever.
Speaker 4 (39:54):
Honestly, it does fade over time, So if you.
Speaker 2 (39:56):
Have a will, when is it going to fade? Approximately?
I still feel like someone it's going to come.
Speaker 5 (40:00):
Knocking and be like, who gave you a podcast that
you run a mortgage broking business?
Speaker 2 (40:05):
Are you insane?
Speaker 4 (40:07):
The voice does get quieter, though, so stick with it. It
was pretty loud for me, but I understand.
Speaker 5 (40:12):
But that's where I have to be quite aggressive in
choosing yeah to show up and going no, if other
people can do this, I can do this.
Speaker 1 (40:20):
No.
Speaker 5 (40:20):
If you know my friends believe in me, I should
also believe in me. If Victoria believes in me, I do, like, yeah,
do you know what I mean? Like it's a choice,
and for some people the imposters injury, it does fade.
For other people like I just feel like the more
stuff I do, I go, are you sure? Like, are
you're gonna let me do this?
Speaker 1 (40:38):
Like?
Speaker 5 (40:38):
What do you mean?
Speaker 2 (40:40):
I'm grateful for it, but I'm delulu.
Speaker 4 (40:43):
Start trying to view yourself the way your friends see you,
you know? Yeah, So I think it's a great place
to leave it. I agree from all of us that
she's on the Money. We are so proud of you.
Merry Christmas.
Speaker 2 (40:54):
We really do.
Speaker 4 (40:54):
Love you and we cannot wait to see what you
create in twenty twenty six.
Speaker 2 (40:58):
But this is also not goodbye.
Speaker 5 (40:59):
Okay, so we are not going anywhere over this holiday season.
Your other favorite podcasts might be putting their feet up,
but not us, No, So make sure that you are subscribed,
because we'll be right back in your ears with fresh episodes,
hanging out with all of you literally all summer all
New Years.
Speaker 2 (41:16):
You think that are we going to stop? No, sorry,
we committed to.
Speaker 5 (41:20):
The small steps and now they are consistent podcasts exactly.
Speaker 2 (41:24):
So have a really good Christmas tomorrow.
Speaker 5 (41:26):
If you don't celebrate Christmas, I just hope you have
a good flipping day.
Speaker 2 (41:29):
Have a great day.
Speaker 4 (41:30):
See you guys, by guys.
Speaker 5 (41:38):
The advice shared on She's on the Money is general
in nature and does not consider your individual circumstances.
Speaker 2 (41:44):
She's on the.
Speaker 5 (41:44):
Money exists purely for educational purposes and should not be
relied upon to make an investment or financial decision.
Speaker 2 (41:51):
If you do choose to buy a financial.
Speaker 5 (41:53):
Product, read the PDS TMD and obtain appropriate financial advice
tailored towards your needs Victoria Devine and she's on the money.
Are authorized representatives of money sheper P T Y L
T D A b N three two one six four
nine two seven seven zero eight a F s L
four five one two eight nine
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