August 5, 2025 • 29 mins
Wanna know the #1 thing rich people do differently? It’s not their salary. It’s not their savings. It’s their mindset... and it’s learnable. This week, Victoria’s spilling the tea on Rich Girl Mindset, because truth bomb: it doesn’t matter how much you earn if you’re stuck in a loop of self-doubt, scarcity, and “I’m just bad with money” energy. We’re diving deep into the beliefs that are keeping you small, broke, or just constantly stressed, and replacing them with the kind of money mindset that actually builds confidence, clarity, and calm. This isn't about manifesting or toxic positivity. It's real talk that rewires your brain and gets your money working with you.
In this ep you’ll learn:
💸 The #1 mindset trap keeping you stuck in “just getting by” mode (and how to get out)
💸 What every Rich Girl actually knows, and how to start thinking like one today
💸 The hidden money beliefs from your past that are quietly holding you back
💸 Two mindset shifts that’ll change the way you earn, spend, and feel about money
💸 The sneaky ways you might be self-sabotaging your financial glow-up
💸 Why your income doesn’t define your financial confidence, but this does
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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 yah Ya bin Ahaka Nian Our gay
In Nimbina, yakarum Jar, Dominyama, Domagahawakaman, damon Imlan Bumba, bang
Gadabomba in and now in wakah Ghana on yak rum
Jar water Nadaa. Hello, beautiful friends, we gather on the
(00:24):
lands of the Aboriginal people. We thank acknowledge and respect
the Aberiginal 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. She's on the Money. Hello and
(01:08):
welcome to.
Speaker 3 (01:08):
She's on the Money, the podcast that believes your mindset
might actually matter more than your income. It starts with
a bigger belief in what's possible for you, because the
truth is, you can earn more, you can save more,
you can build more. Today we're talking about the mindset
shift that can change your whole financial future and how
to start building it for real.
Speaker 2 (01:28):
I'm excited, and.
Speaker 3 (01:28):
I'm joined by Victoria de Mine, who has a very
abundant brain and also a real understanding of how money
actually works.
Speaker 4 (01:35):
IBD, I have an abundant brain. Yeah, I like that,
but also I'm not entirely sure what that means.
Speaker 2 (01:42):
No, actually, and me also, but it just felt right.
Speaker 5 (01:46):
I just know I like it.
Speaker 4 (01:47):
I like I feel like I do have an abundant
brain now, but I haven't for a very long time.
Like I do try very hard to focus on like
on abundan. It sounds real fluffy, but I think it
actually works. So I guess I am here for this
because honestly, when people ask me, VI, what's the one
thing that separates people who build wealth from those people
(02:08):
who stay stuck? It's not income. It's not even intelligence, right,
it's mindset. Like it's whether you believe wealth is actually
available to you or whether you're stuck in survival mode
without even realizing it. It is why I talk until
the Cows come Home about you understanding your money story
and where you have come from, Because if you cannot
(02:29):
understand where you're coming from, Beck, how do you create
a map to go where you want to go.
Speaker 2 (02:34):
Yeah, that's so true.
Speaker 4 (02:35):
Like you can't just get in the car and start
driving and be like, oh, I know I'm going to
end up in Queensland.
Speaker 2 (02:39):
Yeah, well what if.
Speaker 4 (02:40):
You're starting in Darwin? What if you're starting in Melbourne?
Like how do how do we know where the map
needs to lead? You know? Yes, yes, it's kind of
like it does sound a bit fluffy and I get that,
but bear with me because I'm a science girlie and
there is genuine, real science behind why mindset that is
(03:00):
for your money, yea, So we're going to share that with.
Speaker 2 (03:02):
You, gorgeous, because I know it also matters.
Speaker 3 (03:04):
Like the map thing, It's like you need to build
a map based on where you're starting from, and that
means that like maybe you're a person of color, maybe
you grew up in a really poor household.
Speaker 2 (03:12):
It looks different for everyone. So the point is it
probably is possible to get there.
Speaker 5 (03:18):
It is.
Speaker 2 (03:18):
It just probably it is.
Speaker 3 (03:20):
It is, It's just it looks very different for different people.
So exactly, let's start at the very beginning. What even
is an abundance mindset?
Speaker 4 (03:29):
So an abundance mindset is hard it's hard because as
human beings, we are literally wired for survival. So remember that,
because when you're finding it hard, it's not because it's you.
Speaker 2 (03:40):
It's because that's.
Speaker 4 (03:41):
How we're wired. But believing that wealth is not a
limited resource is a very important start. It's believing that
it is genuinely possible to create more, not that success
or money is only for a lucky few like babe,
it's for you too. You just need to work for it,
like you just need to step into your abundance mindset era.
(04:03):
The opposite of that, though, is a scarcity mindset, which
I think we need to understand as much as an
abundance mindset. We're not trying to embrace it, but if
we don't understand it, we can't identify when we're falling
into it. And it's the belief that God, there's never enough,
that somebody else wins you loose, and that you have
to hoard and protect everything because there's not going to
(04:24):
be more. And if you know you're talking before you know,
if you grew up in a really poor background, you
are probably going to have that mindset of scarcity because
you're like, well, I don't know when we're going to
get paid next, or I don't know if we're going
to run out of food, Like I see it all
the time in these situations and conversations, and like it
makes me sad. But at the same time, I'm like,
(04:46):
how good is this that we're identifying this because we
can work with this.
Speaker 2 (04:50):
We can work with this, like we can work with anything.
Speaker 4 (04:52):
We just need to be able to articulate and identify
and that's perfect. And studies actually show us with a
growth orient mindset, an abundant mindset tends to be more
financially resilient. People with an abundance mindset back are better
at long term planning, and they are more likely to
invest in themselves, in their own skills and their own future.
Speaker 2 (05:15):
Like, sorry, all of I want all of that, Like
all of that I would like to sign up for.
Speaker 4 (05:21):
Do you not want that? Does not everyone not want
to be an abundant mindset person?
Speaker 2 (05:25):
Exactly?
Speaker 3 (05:26):
Yeah, that's so fair, but it can Yeah, definitely can
be disheartening when you're like, if you've grown up in
a household that's a little bit poorer and you're like,
I don't have that money to fall back, yeah.
Speaker 4 (05:34):
Or like you might be telling yourself the story of like,
oh that's not possible for me. Yeah, you know, my
family don't do that, or no, like that's just not
how it works, like completely valid, but we can get
out of that.
Speaker 2 (05:47):
So in the context of our money and finances, why
is this important? Because I said so, that's so true,
and that is the end of the show. You have
a good day, bye.
Speaker 4 (05:56):
But honestly, I feel like I'm being a hippie dippy,
But like, let's step into this abundance mindset. It honestly
matters with money because it changes everything about how you
show up financially. It's not just about surviving the setbacks.
It's about being opened to building more, to creating more,
to earning more, and believing, go, there's enough for you
(06:18):
and everybody else, Like.
Speaker 2 (06:19):
It's going to go all around and come around, and
if I'm.
Speaker 4 (06:23):
Successful, that should just serve as a really good example.
Not I'm successful and therefore you're not going to be like,
my success does not come at the determent of yours.
When you're thinking in your abundant mindset, like we're thinking abundantly,
you are going to back yourself. You're going to be
able to ask for bigger salaries and better opportunities because
(06:43):
you know more success isn't limited. Like I'm not asking
for this and hoping that it's just me who gets this.
If I ask for this and get this, I'm paving
the way for everyone behind me. I'm setting an example.
I'm showing other people what's possible. You end up investing
in yourself and your gills, in your future because you
just trust everything's going to take along and keep growing
(07:04):
like it's not capped, like you don't succeed, and then
full stop, end of story, we're done. You spend in
line with your values, which I think is so important,
not fear knowing that your money is disappearing the second
that you use it, and you save and invest because
you believe in a future version of you who's thriving.
(07:24):
She's not struggling, she's thriving and she's living her best life,
like she's going to Meredith and she's not even thinking
about the budget.
Speaker 2 (07:32):
That sounds so I really can't wait to be her, right,
But like she's there? Do we not want that? Yeah?
Speaker 4 (07:39):
Like, do we not want to be in a situation
where we're just so comfy and we're living in line
with our values, and your values might be so different
to mine, and that is so cool.
Speaker 2 (07:47):
Like genuinely, I can't.
Speaker 4 (07:49):
Think of anything worse than going to Meredith, like not
showering for three days back. That's not for me.
Speaker 5 (07:54):
It's really not like you imagine this goal at a
music festival, you'd thrive me you never know, you might
you know, I would embrace it for you, Beck, But
you know what I mean, everyone has different values and
that's really lovely.
Speaker 4 (08:09):
But abundance turns money from something that you hoard or
something that you're scared of or are fearful of, into
something that you're building with. Yeah, like you don't have
to build what I'm building. You can go build your
own thing. It's so cool because money can turn into anything.
Money creates your reality.
Speaker 3 (08:28):
Okay, okay, So abundance sounds so good. Why does it
feel so hard to actually believe in it? Like why
is it so easy to slip into that?
Speaker 4 (08:36):
Like just like houses, we are all cavemen, Like at
the end of the day, we used to live in caves.
And I mean this is me like obviously stereotyping very seriously.
And you know what, we might kill one goat and
who knows when the next goat's coming, you know, like
you just didn't have that. So it is hardwired into
(08:58):
our brains to live in a scarcity mindset. And there's
a lot going on underneath, right, Like it could be
in a twenty twenty five context, it could be how
you grew up around money, the narrative that was fed
to you, Like you could have grown up in a
really really financially constricted family and it stressed everybody out
(09:19):
no one talked about money, or you could have grown
up really wealthy, and so you just think, oh, my goodness,
wealth is for really bad people. Like I've met so
many people who don't like wealth because they grew up
with wealth and they saw how it changed people. Right,
I get that that doesn't mean it has to be
your reality. Like how cool is it beck that I
(09:41):
can be financially successful and help others? Like, just because
money exists doesn't mean that it is inherently bad. We
could talk about broader economic anxiety. So like you're seeing
what's going on with what's happened in politics, or you're
seeing what's going on and you're happening on Trump, you
might be really anxious about what the future holds on
(10:03):
an economic level, and then real financial experiences like I'm
not dismissing that you losing your job was not insanely stressful.
Speaker 2 (10:13):
That shit sucks, right, Like, I'm not saying, oh, let
we just reframe it. No, that sucks.
Speaker 4 (10:20):
Like if you are struggling in debt, God, I get it.
I was in more than forty thousand dollars worth of
personal debt. It is crippling. It makes you feel sick,
It stops you from sleeping at night, It changes the
way that you interacting your relationships with your friends and family. Like,
I get it, But that doesn't mean that has to
be your reality forever. And that's why we're talking about this.
Speaker 3 (10:43):
Yeah, okay, So when you grew up with financial pressure,
how does that shape your mindset long term?
Speaker 2 (10:50):
Negatively? Yeah, I can imagine.
Speaker 4 (10:52):
Research from the American Psychological Association has shown that early
financial stress can actually win your brain into chronic scarcity thinking,
where your default setting actually is always fear, cautiousness, and
distrust around money. So when they talk about that and
when you experience that, your brain is learning that money
(11:14):
disappears really quickly. Good things beck they do not last,
and security is actually fragile, like we can't have long
term security, Like you can feel secure this week, but
maybe next week that is gone and is very hard
to come out of that. And even once your circumstances improve,
that wiring can actually still be running underneath to make
it really hard to trust that abundance is possible for you.
(11:37):
So good example, you've grown up, you didn't have heaps
of money. You know, security was fleeting. Like one week
you'd be like, oh, we're eating well this week. You
know we have some extra money, but like a low
key in the back of your mind, you just know
that like a month from now is not going to
be like that. So you're kind of like making hey,
well the sun's shining, like you're enjoying it as much
as possible. But like what if now you have a
(11:58):
really secure job, you have your emergency fund, you have
your savings, but you're still feeling that like you're hoarding
the money and it's not helping you because you still
ultimately think, Okay, this is just for now, though, like
this is just for this minute, and next week or
next month it's going to blow up a or it's
going to be taken from me. That's not something you're
thinking every single day, but that's the deep seated feeling.
(12:20):
Like that is the deep rooted cause of why you
are in a scarcity mindset, and we need to tackle that.
Like you can have an okay income back, you can
have a heap of savings and still be operating in
a scarcity mindset. Like just because you get more money
doesn't mean you feel good about it. And that's why
we need to work on your mindset and your money story.
So it could look like, let's say that you now
(12:43):
have your emergency fund set up, like you've got good
income coming in. It could be panicking when you spend money,
Like you just go into Cole's and you're still feeling
real anxious when you have to tap your card even
though you know the money's on your account, and you're like,
this is essential spending, like I actually have to buy
bread and milk. Like it could be paying bills late
(13:06):
because you're like, oh, I want to keep the money
in my account for as long as possible, and then going,
damn it, I've gotten like a late fee. Oh, like
and feeling like you can't be good at money. But
the reality is you're just like holding onto it for
as long as possible. It's not that you're not good
at money, it's that you're scared of it. You could
be feeling like you can never like relax financially, or
(13:26):
believing that there's like only one right.
Speaker 2 (13:28):
Opportunity and if you miss it, you're going to be doomed.
Speaker 4 (13:31):
Like you know, if you didn't invest right now, if
you didn't invest five years, got your scrooge. It's so
often linked to that early emotional wiring that we're talking
about before, not actual financial danger. It's just like these
ingrained thoughts and feelings right, Like back to our caveman time. Right, So,
you know you left your cave, you went through a
(13:53):
nice wander, you're not wearing any shoes, and a bear
runs after you, bear scratches you. That's terrifying, that hurt.
Right next time you leave your cave, you can see
a bear off in the distance. How do you feel, Oh,
we're not happy about that. Not happy, We're scared, terrified.
Same thing happens with money. But money's the bear right
right right. Just because it's there doesn't mean it hasn't
(14:14):
hurt you before. We need to like go through some
therapy to work out. Oh maybe that bears a friend,
do you know what I mean? Sure, we need to
change it, and we can genuinely rewire our brain. One
of my favorite books is by a guy called I
believe it's Martin Deutsche and it's called The Brain That
Changed Itself. Yeah, nobody else is going to care about
(14:35):
this book recommendation except for me. But it is literally
about neuroplasticity and the ability to rewire your brain. And
we're not just talking about money stories here. We're talking
about people who had completely catastrophic accidents, you know, became paraplegic,
and they worked on rewiring their brain to make completely
different connections so that they were still able to function.
Speaker 2 (14:57):
It's actually so cool.
Speaker 4 (14:59):
But the reason I like it is like, well, if
they can do that, we can think differently about money.
Speaker 2 (15:04):
Like if they can.
Speaker 4 (15:05):
Literally rewire their brain to function differently and create this neuroplasticity,
I can do that.
Speaker 2 (15:12):
I can do that with money. Yeah, I'll do it
for you, like I'll fix it. I love it. Okay,
So we can genuinely retrain our brains. That is really
good to know.
Speaker 3 (15:23):
So let's say someone's listening to this right now, I'm
thinking that's literally me the bear.
Speaker 2 (15:28):
The bear.
Speaker 3 (15:29):
No, we are the caveman. Yeah, we're the caveman. What's
one small thing that they can do today to start
shifting that.
Speaker 2 (15:36):
I'm not going to answer that.
Speaker 4 (15:37):
I'm actually going to go to a really quick breakback,
because on the flip side, I'm going to answer that,
but I'm not just going to answer that. I'm going
to give you two super easy ways that you can
actually rewire your money mindset that you could literally start
doing today that is going to help your brain feel
a little bit safer and start stepping into like our
rich girl era.
Speaker 2 (15:56):
Whoa, We'll be back in a minute. All right, welcome back, guys.
So before the break we really let us on a click.
Speaker 4 (16:06):
I hyped it up too, so like, if these tips
are really terrible, pretend that hype up never happens.
Speaker 2 (16:11):
Okay, okay, okay, I know they're good though, So, oh
my god, it's so excited.
Speaker 4 (16:15):
So you did promise us some practical ways to actually
start building that rich girl mindset that needing to be
some finance bro or spreadsheet wizard. I'm a spreadsheet wizard,
so I've done it for you. We don't have a
finance bro, they're actually not welcome on my show. I
sometimes like Glenn James on my show because like he's
less finance bro. Yeah right, not a finance bro.
Speaker 2 (16:34):
No, absolutely, So okay, but where do we be in?
Speaker 1 (16:37):
All right?
Speaker 4 (16:38):
The first thing you're going to do, we're building evidence
like I'm so sorry my case. We are building a
case like I wrote a thesis like I am, And
that's not the a flex. It's more like I feel
like whenever I do anything, I now have to properly
research and reference it, so like you should too. So
the first one is we are going to be colle
(17:00):
some real proof that money can flow, that money can stay,
that money can grow even in really small ways, Like
we don't need to be gas lighting ourselves. We need
to be creating proof. We're going to create a money
safety snapshot. So it's probably going to take ten minutes.
So I want you to list financial resources you currently have,
(17:23):
even if it's teeny tiny, so you might have like
fifty bucks or a hundred bucks or two hundred bucks
in your savings. Look at your pay slip, what are
your sick leave entitlements? Because that's financial security. Yeah true,
like hadding some sick leave knowing that you can go
on leave when you are sick and still get paid.
Oh my goodness, that is life changing. Do you have
(17:45):
access to centlink if not? What do you need to
do to get access to scent link if you need it? Like,
what's holding you back from applying? If you're experiencing financial distress,
you are teaching your brain I'm not as powerless as
my fears as I am, and fear is a very
strong emotion. Psychologists they actually call this resourcing, so naming
(18:06):
your safety neck so that your brain doesn't default to
like worst case scenario always like how many times have
you been in a financial pickleback?
Speaker 2 (18:15):
And instead of looking at the facts, you're like, oh
my god, I am absolutely screwed. Yeah, like every day, Yeah,
you just go I'm in a pickle. But we're not
looking at the facts.
Speaker 4 (18:24):
And if someone actually sat you down, like I can
imagine if I sat you down and said, okay, back, like,
let's have a look.
Speaker 2 (18:28):
What can we do? How could we resource this? You'd
be like, oh, actually, I do feel a bit better.
Do that for yourself.
Speaker 4 (18:34):
The next wishy washy, a little bit hippy dippy, bear
with me. We are starting a gratitude rich, Well, this
literally changed my life. So it might feel small, but
it has a very, very big impact on your mindset.
So every morning, lame write down three things you're grateful for.
This morning, I said that I was grateful for a coffee.
(18:56):
I said that I was grateful that my baby woke
up instead of screaming. And I was really grateful that
I had an extra five minutes to actually do my makeup,
not in the car. It doesn't have to be bougie, right, Like,
it doesn't have to be like I am grateful for
this person solving world hunger. Like it doesn't have to
be that dramatic like yours could be. I'm actually really
(19:17):
grateful that I have twenty three bucks in my savings account.
Or I'm really grateful that I actually paid my rent
on time this month. That's an achievement. If you don't
do that consistently, how good is it when you do
do it on time?
Speaker 2 (19:28):
Totally? Like that is slay.
Speaker 4 (19:30):
This shows your brain, Hey, there's actually already some abundance
going on here, and that makes it so much easier
to believe that.
Speaker 2 (19:38):
It is possible.
Speaker 4 (19:39):
It might sound tippydippy, but back to the research, neuroscientists
have actually found that attentive gratitude practices they actually rewire
your brain and the pathways linked to optimism and resilience.
So you might go, V, this is so lame. Why
am I writing down three things that I'm grateful for?
And in the moment you might be like, no, this
(20:00):
is so dumb, and then you like write down really
flippant things that.
Speaker 2 (20:04):
Is still working.
Speaker 4 (20:05):
Yeah, I promise just by focusing on it, Like I'm
not just saying this because I'm like, eh, it'll make
you feel better. No, neuroscience says that this will actually
help you pave different pathways, and that is what we
are trying to do. And according to a study from
the Greater Good Science Center, people who kept a daily
gratitude journal for just three weeks reported significantly higher optimism,
(20:30):
lower stress, and even made better financial decisions.
Speaker 2 (20:36):
Wow, isn't that cool?
Speaker 3 (20:37):
Yeah, that's while that like actually very motivating to know
that it really doesn't take that long. It's not like
six months of very in depth gratitude journaling.
Speaker 4 (20:48):
Three weeks, three weeks, three things, and every single morning.
You could do it at night as well, Like I'm
not sure about the researched. I mean I do it
in the morning because that's what the research says. But
like maybe you want to make that part of your
nightly like reflection or whatever. And it does sound lame,
but I promise when you start doing these things, you
go fire out. This is actually starting to rewhy are
(21:09):
my brain and down it it works, do you know
what I mean? I thought it was dumb and then
I did it, and I still think it sounds dumb.
The dumb thing work. Unfortunately it's working.
Speaker 2 (21:21):
Yeah, exactly. That actually feels so doable.
Speaker 3 (21:24):
So it's just about starting to show your brain that
you're already safer, already more capable than you probably give yourself.
Speaker 4 (21:30):
A one hundred percent and you know what one could
be tomorrow morning back. Yeah, listen to a money podcast.
There you go putting yourself ahead. Do you know how
many people don't listen to money podcasts. If you're listening
to a money podcast, you clearly want better for yourself.
Speaker 2 (21:44):
Yeah, that's so true.
Speaker 4 (21:45):
Like you're clearly already in this situation where you're like,
I'm going to listen to a podcast on mindset. I'm
gonna listen to a podcast about hopefully putting myself in
a better position.
Speaker 2 (21:54):
If you're listening to this, I'm talking to you so true.
Some people have said to me like, I can't listen
to shoes on the Money yet I'm not there, I'm
not ready. Yeah, I hear it all the time.
Speaker 3 (22:02):
You're here and you're ready, and it doesn't matter if
you're technically doing things or not.
Speaker 2 (22:06):
Like this is huge. I'm not scary, I promise anyway.
So what do we do next?
Speaker 4 (22:12):
Yeah, So, once you've got the first layer, which is
like your evidence, building the proof that says, hey, actually
maybe I am okay, the next step is actually building
capacities a little bit more challenging. I'm sorry, because abundance
isn't just about like feeling safe, right, Like feeling safe
is good, and it is really important because it takes
our fight or flight response away.
Speaker 2 (22:33):
It makes us not feel so stressed.
Speaker 4 (22:35):
It's about learning how to hold more, more money, more options,
more success. Because if no one ever showed you how
to feel secure with money, or they didn't teach you
how to trust that good things can stay, then having
more just feels as scary as not having enough, like
it genuinely does. So building capacity means getting better at
(22:57):
letting things go well. It's about noting when things start working.
It's not about literally ruining it for yourself. So many
people get money and they're like, oh my god, it
feels too good to be true, and they self sabotage.
Speaker 2 (23:12):
They ruin it for themselves.
Speaker 4 (23:13):
They blow all of their emergency savings because they're like,
this feels uncomfortable, and do you know what feels comfortable?
What I always know, And while that might not be comfortable,
I know what to expect. So I'm going to end
up broke again. It happens to the best of us.
So building capacity means that we are letting ourselves keep
the race, enjoy the trip. We are backing ourselves for
(23:36):
the next step without waiting for it to all fall apart.
Capacity beck it means saving even when it's really uncomfortable,
not just when it's really easy to save, not just
when you're like, oh, well, I could save this month
because I didn't go out, so therefore I have an
extra fifty dollars and I can save this month.
Speaker 2 (23:55):
God, that's easy.
Speaker 4 (23:57):
We are needing to put a framework in place so
that fifty as is consistent even when it's not super
comfortable because that's what's creating capacity for us. We're going
to ask for more. We expect people to respect us.
We're going to ask for a raise. We're going to
ask for a better deal. We're going to ask for
an opportunity. You're at jb Hi Fi and you're buying
a product, we are going to ask for a better deal.
Speaker 2 (24:17):
It is uncomfortable.
Speaker 4 (24:19):
Get comfortable with the uncomfortable, right, We're going to back
ourselves to take a risk that you used to think
was like only for other people. It's not for me,
it's only for other people. Why it's all for you, baby,
all for you. It's all for you, willing to just
have more, not self sabotaging. When things start to get good,
(24:41):
and I know you all do it, we all do yes,
very human nature. We want to revert back to being
where we were most comfortable and we are comfortable with
what we can expect. And if you start being uncomfortable,
we need to ask ourselves why is it just because
we haven't been here before? Potentially this is often when
people they start to hit like an emotional wall because
(25:03):
abundance it doesn't just feel good. Sometimes it feels really unfamiliar.
And honestly scary.
Speaker 2 (25:10):
Mm hmm.
Speaker 3 (25:11):
Okay, but what about when bad stuff does happen, because
it does feel a little bit.
Speaker 4 (25:14):
Bad stuff does still happen, Like we're not going to
pretend it doesn't, right.
Speaker 3 (25:17):
Yeah, it does feel a bit unrealistic. I think to say,
believe in abundance when you get hit with like when
it feels like it feels like we're running an MLM cult. Yeah,
like you're like, oh, I'm not making any.
Speaker 4 (25:32):
Sales, and I'm like, just believe the sales are coming back, Like,
that's not it. I think bad things can still happen. Yeah,
and real abundance mindset, it's not about pretending that life
doesn't throw your curve ball. It's about believing that you
can absolutely recover, not believing that you'll never fall over
it again.
Speaker 3 (25:51):
Yeah.
Speaker 1 (25:51):
Right.
Speaker 4 (25:52):
Studies show that people who practice realistic optimism, not the
Lulu optimism. The key there is realistic, not blind faith. Beck.
They're more resilient financially and emotionally after setbacks like.
Speaker 2 (26:07):
That thousand dollars.
Speaker 4 (26:08):
Yeah, it's gonna suck, we'll work it out, but it
doesn't make you feel as trash as it would have historically. Right,
it's about going, oh, this happened, but it is what
it is, and we will move forward because more money
is coming. Like I think so many times we would
fall into well i'm real now and financially I'm done.
I'm done, I'm bad at this, I suck. Yeah that's
(26:30):
not it. That's not how we speak to ourselves in
this house. No, absolutely not. And if you think you're helpless,
go you give up. I'm helpless. I can't do anything
about this. I'm just going to go back to bed.
But if you think you can rebuild, you can actually
take action. You could call the mechanic and you could
be like, hey, I don't have a thousand dollars. Could
we please work out like a payment plan and then
(26:53):
we could shift our budget for the month and work
out how we're going to make that a reality. Like
we're just facing tasks head on. Okay, this it's more
like I trust myself even when it's messy. Absolutely, because
you're not making like bad things are still going to happen.
But like, girl, you're equipped, you can deal with this. Yeah,
you're the tools abundance. It's not about being delulu. It's
about backing yourself even when it feels messy even when
(27:15):
it feels hard, because you trust that there's something bigger
waiting for you if you just keep showing up and
you don't need a million dollars in your bank account
to actually start living like that. Yes, it just it
blows my mind how many people say, well, I'm going
to need to wait until I have more money before I,
you know, feel successful. Like, no, girl, you won't feel
(27:36):
successful with a million dollars in your bank account.
Speaker 2 (27:38):
That's so true.
Speaker 3 (27:38):
That was me literally right before this episode, and I
was like, oh, I'll start saving when I know more,
But it's not.
Speaker 4 (27:43):
The case because that's easy, and then you'll just fall
off the bandwagon.
Speaker 2 (27:47):
The next month. Okay, okay, I love this so much.
I think it's like the perfect way to wrap this up.
You're done with this.
Speaker 5 (27:53):
I like it.
Speaker 3 (27:53):
I am because I'm really to start money life, my
abundance life exactly.
Speaker 2 (27:58):
We are going to kick scarcity minds. Yeah.
Speaker 3 (28:01):
So if you know someone who's stuck in a bit
of its scarcity mindset, and no fault to them, because
we've all been there, send them this episode.
Speaker 2 (28:08):
Let's help them start backing themselves too.
Speaker 4 (28:10):
Absolutely, and don't forget to follow and subscribe to us
wherever you get your podcasts, so that we can continue
to bring you the money wisdom that hopefully you love.
Speaker 2 (28:18):
Have a good week, guys, BI guys.
Speaker 6 (28:26):
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.
Speaker 2 (28:45):
Advice tailored towards your needs.
Speaker 6 (28:47):
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Speaker 5 (29:11):
H
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 yah Ya bin Ahaka Nian Our gay
In Nimbina, yakarum Jar, Dominyama, Domagahawakaman, damon Imlan Bumba, bang
Gadabomba in and now in wakah Ghana on yak rum
Jar water Nadaa. Hello, beautiful friends, we gather on the
(00:24):
lands of the Aboriginal people. We thank acknowledge and respect
the Aberiginal 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. She's on the Money. Hello and
(01:08):
welcome to.
Speaker 3 (01:08):
She's on the Money, the podcast that believes your mindset
might actually matter more than your income. It starts with
a bigger belief in what's possible for you, because the
truth is, you can earn more, you can save more,
you can build more. Today we're talking about the mindset
shift that can change your whole financial future and how
to start building it for real.
Speaker 2 (01:28):
I'm excited, and.
Speaker 3 (01:28):
I'm joined by Victoria de Mine, who has a very
abundant brain and also a real understanding of how money
actually works.
Speaker 4 (01:35):
IBD, I have an abundant brain. Yeah, I like that,
but also I'm not entirely sure what that means.
Speaker 2 (01:42):
No, actually, and me also, but it just felt right.
Speaker 5 (01:46):
I just know I like it.
Speaker 4 (01:47):
I like I feel like I do have an abundant
brain now, but I haven't for a very long time.
Like I do try very hard to focus on like
on abundan. It sounds real fluffy, but I think it
actually works. So I guess I am here for this
because honestly, when people ask me, VI, what's the one
thing that separates people who build wealth from those people
(02:08):
who stay stuck? It's not income. It's not even intelligence, right,
it's mindset. Like it's whether you believe wealth is actually
available to you or whether you're stuck in survival mode
without even realizing it. It is why I talk until
the Cows come Home about you understanding your money story
and where you have come from, Because if you cannot
(02:29):
understand where you're coming from, Beck, how do you create
a map to go where you want to go.
Speaker 2 (02:34):
Yeah, that's so true.
Speaker 4 (02:35):
Like you can't just get in the car and start
driving and be like, oh, I know I'm going to
end up in Queensland.
Speaker 2 (02:39):
Yeah, well what if.
Speaker 4 (02:40):
You're starting in Darwin? What if you're starting in Melbourne?
Like how do how do we know where the map
needs to lead? You know? Yes, yes, it's kind of
like it does sound a bit fluffy and I get that,
but bear with me because I'm a science girlie and
there is genuine, real science behind why mindset that is
(03:00):
for your money, yea, So we're going to share that with.
Speaker 2 (03:02):
You, gorgeous, because I know it also matters.
Speaker 3 (03:04):
Like the map thing, It's like you need to build
a map based on where you're starting from, and that
means that like maybe you're a person of color, maybe
you grew up in a really poor household.
Speaker 2 (03:12):
It looks different for everyone. So the point is it
probably is possible to get there.
Speaker 5 (03:18):
It is.
Speaker 2 (03:18):
It just probably it is.
Speaker 3 (03:20):
It is, It's just it looks very different for different people.
So exactly, let's start at the very beginning. What even
is an abundance mindset?
Speaker 4 (03:29):
So an abundance mindset is hard it's hard because as
human beings, we are literally wired for survival. So remember that,
because when you're finding it hard, it's not because it's you.
Speaker 2 (03:40):
It's because that's.
Speaker 4 (03:41):
How we're wired. But believing that wealth is not a
limited resource is a very important start. It's believing that
it is genuinely possible to create more, not that success
or money is only for a lucky few like babe,
it's for you too. You just need to work for it,
like you just need to step into your abundance mindset era.
(04:03):
The opposite of that, though, is a scarcity mindset, which
I think we need to understand as much as an
abundance mindset. We're not trying to embrace it, but if
we don't understand it, we can't identify when we're falling
into it. And it's the belief that God, there's never enough,
that somebody else wins you loose, and that you have
to hoard and protect everything because there's not going to
(04:24):
be more. And if you know you're talking before you know,
if you grew up in a really poor background, you
are probably going to have that mindset of scarcity because
you're like, well, I don't know when we're going to
get paid next, or I don't know if we're going
to run out of food, Like I see it all
the time in these situations and conversations, and like it
makes me sad. But at the same time, I'm like,
(04:46):
how good is this that we're identifying this because we
can work with this.
Speaker 2 (04:50):
We can work with this, like we can work with anything.
Speaker 4 (04:52):
We just need to be able to articulate and identify
and that's perfect. And studies actually show us with a
growth orient mindset, an abundant mindset tends to be more
financially resilient. People with an abundance mindset back are better
at long term planning, and they are more likely to
invest in themselves, in their own skills and their own future.
Speaker 2 (05:15):
Like, sorry, all of I want all of that, Like
all of that I would like to sign up for.
Speaker 4 (05:21):
Do you not want that? Does not everyone not want
to be an abundant mindset person?
Speaker 2 (05:25):
Exactly?
Speaker 3 (05:26):
Yeah, that's so fair, but it can Yeah, definitely can
be disheartening when you're like, if you've grown up in
a household that's a little bit poorer and you're like,
I don't have that money to fall back, yeah.
Speaker 4 (05:34):
Or like you might be telling yourself the story of like,
oh that's not possible for me. Yeah, you know, my
family don't do that, or no, like that's just not
how it works, like completely valid, but we can get
out of that.
Speaker 2 (05:47):
So in the context of our money and finances, why
is this important? Because I said so, that's so true,
and that is the end of the show. You have
a good day, bye.
Speaker 4 (05:56):
But honestly, I feel like I'm being a hippie dippy,
But like, let's step into this abundance mindset. It honestly
matters with money because it changes everything about how you
show up financially. It's not just about surviving the setbacks.
It's about being opened to building more, to creating more,
to earning more, and believing, go, there's enough for you
(06:18):
and everybody else, Like.
Speaker 2 (06:19):
It's going to go all around and come around, and
if I'm.
Speaker 4 (06:23):
Successful, that should just serve as a really good example.
Not I'm successful and therefore you're not going to be like,
my success does not come at the determent of yours.
When you're thinking in your abundant mindset, like we're thinking abundantly,
you are going to back yourself. You're going to be
able to ask for bigger salaries and better opportunities because
(06:43):
you know more success isn't limited. Like I'm not asking
for this and hoping that it's just me who gets this.
If I ask for this and get this, I'm paving
the way for everyone behind me. I'm setting an example.
I'm showing other people what's possible. You end up investing
in yourself and your gills, in your future because you
just trust everything's going to take along and keep growing
(07:04):
like it's not capped, like you don't succeed, and then
full stop, end of story, we're done. You spend in
line with your values, which I think is so important,
not fear knowing that your money is disappearing the second
that you use it, and you save and invest because
you believe in a future version of you who's thriving.
(07:24):
She's not struggling, she's thriving and she's living her best life,
like she's going to Meredith and she's not even thinking
about the budget.
Speaker 2 (07:32):
That sounds so I really can't wait to be her, right,
But like she's there? Do we not want that? Yeah?
Speaker 4 (07:39):
Like, do we not want to be in a situation
where we're just so comfy and we're living in line
with our values, and your values might be so different
to mine, and that is so cool.
Speaker 2 (07:47):
Like genuinely, I can't.
Speaker 4 (07:49):
Think of anything worse than going to Meredith, like not
showering for three days back. That's not for me.
Speaker 5 (07:54):
It's really not like you imagine this goal at a
music festival, you'd thrive me you never know, you might
you know, I would embrace it for you, Beck, But
you know what I mean, everyone has different values and
that's really lovely.
Speaker 4 (08:09):
But abundance turns money from something that you hoard or
something that you're scared of or are fearful of, into
something that you're building with. Yeah, like you don't have
to build what I'm building. You can go build your
own thing. It's so cool because money can turn into anything.
Money creates your reality.
Speaker 3 (08:28):
Okay, okay, So abundance sounds so good. Why does it
feel so hard to actually believe in it? Like why
is it so easy to slip into that?
Speaker 4 (08:36):
Like just like houses, we are all cavemen, Like at
the end of the day, we used to live in caves.
And I mean this is me like obviously stereotyping very seriously.
And you know what, we might kill one goat and
who knows when the next goat's coming, you know, like
you just didn't have that. So it is hardwired into
(08:58):
our brains to live in a scarcity mindset. And there's
a lot going on underneath, right, Like it could be
in a twenty twenty five context, it could be how
you grew up around money, the narrative that was fed
to you, Like you could have grown up in a
really really financially constricted family and it stressed everybody out
(09:19):
no one talked about money, or you could have grown
up really wealthy, and so you just think, oh, my goodness,
wealth is for really bad people. Like I've met so
many people who don't like wealth because they grew up
with wealth and they saw how it changed people. Right,
I get that that doesn't mean it has to be
your reality. Like how cool is it beck that I
(09:41):
can be financially successful and help others? Like, just because
money exists doesn't mean that it is inherently bad. We
could talk about broader economic anxiety. So like you're seeing
what's going on with what's happened in politics, or you're
seeing what's going on and you're happening on Trump, you
might be really anxious about what the future holds on
(10:03):
an economic level, and then real financial experiences like I'm
not dismissing that you losing your job was not insanely stressful.
Speaker 2 (10:13):
That shit sucks, right, Like, I'm not saying, oh, let
we just reframe it. No, that sucks.
Speaker 4 (10:20):
Like if you are struggling in debt, God, I get it.
I was in more than forty thousand dollars worth of
personal debt. It is crippling. It makes you feel sick,
It stops you from sleeping at night, It changes the
way that you interacting your relationships with your friends and family. Like,
I get it, But that doesn't mean that has to
be your reality forever. And that's why we're talking about this.
Speaker 3 (10:43):
Yeah, okay, So when you grew up with financial pressure,
how does that shape your mindset long term?
Speaker 2 (10:50):
Negatively? Yeah, I can imagine.
Speaker 4 (10:52):
Research from the American Psychological Association has shown that early
financial stress can actually win your brain into chronic scarcity thinking,
where your default setting actually is always fear, cautiousness, and
distrust around money. So when they talk about that and
when you experience that, your brain is learning that money
(11:14):
disappears really quickly. Good things beck they do not last,
and security is actually fragile, like we can't have long
term security, Like you can feel secure this week, but
maybe next week that is gone and is very hard
to come out of that. And even once your circumstances improve,
that wiring can actually still be running underneath to make
it really hard to trust that abundance is possible for you.
(11:37):
So good example, you've grown up, you didn't have heaps
of money. You know, security was fleeting. Like one week
you'd be like, oh, we're eating well this week. You
know we have some extra money, but like a low
key in the back of your mind, you just know
that like a month from now is not going to
be like that. So you're kind of like making hey,
well the sun's shining, like you're enjoying it as much
as possible. But like what if now you have a
(11:58):
really secure job, you have your emergency fund, you have
your savings, but you're still feeling that like you're hoarding
the money and it's not helping you because you still
ultimately think, Okay, this is just for now, though, like
this is just for this minute, and next week or
next month it's going to blow up a or it's
going to be taken from me. That's not something you're
thinking every single day, but that's the deep seated feeling.
(12:20):
Like that is the deep rooted cause of why you
are in a scarcity mindset, and we need to tackle that.
Like you can have an okay income back, you can
have a heap of savings and still be operating in
a scarcity mindset. Like just because you get more money
doesn't mean you feel good about it. And that's why
we need to work on your mindset and your money story.
So it could look like, let's say that you now
(12:43):
have your emergency fund set up, like you've got good
income coming in. It could be panicking when you spend money,
Like you just go into Cole's and you're still feeling
real anxious when you have to tap your card even
though you know the money's on your account, and you're like,
this is essential spending, like I actually have to buy
bread and milk. Like it could be paying bills late
(13:06):
because you're like, oh, I want to keep the money
in my account for as long as possible, and then going,
damn it, I've gotten like a late fee. Oh, like
and feeling like you can't be good at money. But
the reality is you're just like holding onto it for
as long as possible. It's not that you're not good
at money, it's that you're scared of it. You could
be feeling like you can never like relax financially, or
(13:26):
believing that there's like only one right.
Speaker 2 (13:28):
Opportunity and if you miss it, you're going to be doomed.
Speaker 4 (13:31):
Like you know, if you didn't invest right now, if
you didn't invest five years, got your scrooge. It's so
often linked to that early emotional wiring that we're talking
about before, not actual financial danger. It's just like these
ingrained thoughts and feelings right, Like back to our caveman time. Right, So,
you know you left your cave, you went through a
(13:53):
nice wander, you're not wearing any shoes, and a bear
runs after you, bear scratches you. That's terrifying, that hurt.
Right next time you leave your cave, you can see
a bear off in the distance. How do you feel, Oh,
we're not happy about that. Not happy, We're scared, terrified.
Same thing happens with money. But money's the bear right
right right. Just because it's there doesn't mean it hasn't
(14:14):
hurt you before. We need to like go through some
therapy to work out. Oh maybe that bears a friend,
do you know what I mean? Sure, we need to
change it, and we can genuinely rewire our brain. One
of my favorite books is by a guy called I
believe it's Martin Deutsche and it's called The Brain That
Changed Itself. Yeah, nobody else is going to care about
(14:35):
this book recommendation except for me. But it is literally
about neuroplasticity and the ability to rewire your brain. And
we're not just talking about money stories here. We're talking
about people who had completely catastrophic accidents, you know, became paraplegic,
and they worked on rewiring their brain to make completely
different connections so that they were still able to function.
Speaker 2 (14:57):
It's actually so cool.
Speaker 4 (14:59):
But the reason I like it is like, well, if
they can do that, we can think differently about money.
Speaker 2 (15:04):
Like if they can.
Speaker 4 (15:05):
Literally rewire their brain to function differently and create this neuroplasticity,
I can do that.
Speaker 2 (15:12):
I can do that with money. Yeah, I'll do it
for you, like I'll fix it. I love it. Okay,
So we can genuinely retrain our brains. That is really
good to know.
Speaker 3 (15:23):
So let's say someone's listening to this right now, I'm
thinking that's literally me the bear.
Speaker 2 (15:28):
The bear.
Speaker 3 (15:29):
No, we are the caveman. Yeah, we're the caveman. What's
one small thing that they can do today to start
shifting that.
Speaker 2 (15:36):
I'm not going to answer that.
Speaker 4 (15:37):
I'm actually going to go to a really quick breakback,
because on the flip side, I'm going to answer that,
but I'm not just going to answer that. I'm going
to give you two super easy ways that you can
actually rewire your money mindset that you could literally start
doing today that is going to help your brain feel
a little bit safer and start stepping into like our
rich girl era.
Speaker 2 (15:56):
Whoa, We'll be back in a minute. All right, welcome back, guys.
So before the break we really let us on a click.
Speaker 4 (16:06):
I hyped it up too, so like, if these tips
are really terrible, pretend that hype up never happens.
Speaker 2 (16:11):
Okay, okay, okay, I know they're good though, So, oh
my god, it's so excited.
Speaker 4 (16:15):
So you did promise us some practical ways to actually
start building that rich girl mindset that needing to be
some finance bro or spreadsheet wizard. I'm a spreadsheet wizard,
so I've done it for you. We don't have a
finance bro, they're actually not welcome on my show. I
sometimes like Glenn James on my show because like he's
less finance bro. Yeah right, not a finance bro.
Speaker 2 (16:34):
No, absolutely, So okay, but where do we be in?
Speaker 1 (16:37):
All right?
Speaker 4 (16:38):
The first thing you're going to do, we're building evidence
like I'm so sorry my case. We are building a
case like I wrote a thesis like I am, And
that's not the a flex. It's more like I feel
like whenever I do anything, I now have to properly
research and reference it, so like you should too. So
the first one is we are going to be colle
(17:00):
some real proof that money can flow, that money can stay,
that money can grow even in really small ways, Like
we don't need to be gas lighting ourselves. We need
to be creating proof. We're going to create a money
safety snapshot. So it's probably going to take ten minutes.
So I want you to list financial resources you currently have,
(17:23):
even if it's teeny tiny, so you might have like
fifty bucks or a hundred bucks or two hundred bucks
in your savings. Look at your pay slip, what are
your sick leave entitlements? Because that's financial security. Yeah true,
like hadding some sick leave knowing that you can go
on leave when you are sick and still get paid.
Oh my goodness, that is life changing. Do you have
(17:45):
access to centlink if not? What do you need to
do to get access to scent link if you need it? Like,
what's holding you back from applying? If you're experiencing financial distress,
you are teaching your brain I'm not as powerless as
my fears as I am, and fear is a very
strong emotion. Psychologists they actually call this resourcing, so naming
(18:06):
your safety neck so that your brain doesn't default to
like worst case scenario always like how many times have
you been in a financial pickleback?
Speaker 2 (18:15):
And instead of looking at the facts, you're like, oh
my god, I am absolutely screwed. Yeah, like every day, Yeah,
you just go I'm in a pickle. But we're not
looking at the facts.
Speaker 4 (18:24):
And if someone actually sat you down, like I can
imagine if I sat you down and said, okay, back, like,
let's have a look.
Speaker 2 (18:28):
What can we do? How could we resource this? You'd
be like, oh, actually, I do feel a bit better.
Do that for yourself.
Speaker 4 (18:34):
The next wishy washy, a little bit hippy dippy, bear
with me. We are starting a gratitude rich, Well, this
literally changed my life. So it might feel small, but
it has a very, very big impact on your mindset.
So every morning, lame write down three things you're grateful for.
This morning, I said that I was grateful for a coffee.
(18:56):
I said that I was grateful that my baby woke
up instead of screaming. And I was really grateful that
I had an extra five minutes to actually do my makeup,
not in the car. It doesn't have to be bougie, right, Like,
it doesn't have to be like I am grateful for
this person solving world hunger. Like it doesn't have to
be that dramatic like yours could be. I'm actually really
(19:17):
grateful that I have twenty three bucks in my savings account.
Or I'm really grateful that I actually paid my rent
on time this month. That's an achievement. If you don't
do that consistently, how good is it when you do
do it on time?
Speaker 2 (19:28):
Totally? Like that is slay.
Speaker 4 (19:30):
This shows your brain, Hey, there's actually already some abundance
going on here, and that makes it so much easier
to believe that.
Speaker 2 (19:38):
It is possible.
Speaker 4 (19:39):
It might sound tippydippy, but back to the research, neuroscientists
have actually found that attentive gratitude practices they actually rewire
your brain and the pathways linked to optimism and resilience.
So you might go, V, this is so lame. Why
am I writing down three things that I'm grateful for?
And in the moment you might be like, no, this
(20:00):
is so dumb, and then you like write down really
flippant things that.
Speaker 2 (20:04):
Is still working.
Speaker 4 (20:05):
Yeah, I promise just by focusing on it, Like I'm
not just saying this because I'm like, eh, it'll make
you feel better. No, neuroscience says that this will actually
help you pave different pathways, and that is what we
are trying to do. And according to a study from
the Greater Good Science Center, people who kept a daily
gratitude journal for just three weeks reported significantly higher optimism,
(20:30):
lower stress, and even made better financial decisions.
Speaker 2 (20:36):
Wow, isn't that cool?
Speaker 3 (20:37):
Yeah, that's while that like actually very motivating to know
that it really doesn't take that long. It's not like
six months of very in depth gratitude journaling.
Speaker 4 (20:48):
Three weeks, three weeks, three things, and every single morning.
You could do it at night as well, Like I'm
not sure about the researched. I mean I do it
in the morning because that's what the research says. But
like maybe you want to make that part of your
nightly like reflection or whatever. And it does sound lame,
but I promise when you start doing these things, you
go fire out. This is actually starting to rewhy are
(21:09):
my brain and down it it works, do you know
what I mean? I thought it was dumb and then
I did it, and I still think it sounds dumb.
The dumb thing work. Unfortunately it's working.
Speaker 2 (21:21):
Yeah, exactly. That actually feels so doable.
Speaker 3 (21:24):
So it's just about starting to show your brain that
you're already safer, already more capable than you probably give yourself.
Speaker 4 (21:30):
A one hundred percent and you know what one could
be tomorrow morning back. Yeah, listen to a money podcast.
There you go putting yourself ahead. Do you know how
many people don't listen to money podcasts. If you're listening
to a money podcast, you clearly want better for yourself.
Speaker 2 (21:44):
Yeah, that's so true.
Speaker 4 (21:45):
Like you're clearly already in this situation where you're like,
I'm going to listen to a podcast on mindset. I'm
gonna listen to a podcast about hopefully putting myself in
a better position.
Speaker 2 (21:54):
If you're listening to this, I'm talking to you so true.
Some people have said to me like, I can't listen
to shoes on the Money yet I'm not there, I'm
not ready. Yeah, I hear it all the time.
Speaker 3 (22:02):
You're here and you're ready, and it doesn't matter if
you're technically doing things or not.
Speaker 2 (22:06):
Like this is huge. I'm not scary, I promise anyway.
So what do we do next?
Speaker 4 (22:12):
Yeah, So, once you've got the first layer, which is
like your evidence, building the proof that says, hey, actually
maybe I am okay, the next step is actually building
capacities a little bit more challenging. I'm sorry, because abundance
isn't just about like feeling safe, right, Like feeling safe
is good, and it is really important because it takes
our fight or flight response away.
Speaker 2 (22:33):
It makes us not feel so stressed.
Speaker 4 (22:35):
It's about learning how to hold more, more money, more options,
more success. Because if no one ever showed you how
to feel secure with money, or they didn't teach you
how to trust that good things can stay, then having
more just feels as scary as not having enough, like
it genuinely does. So building capacity means getting better at
(22:57):
letting things go well. It's about noting when things start working.
It's not about literally ruining it for yourself. So many
people get money and they're like, oh my god, it
feels too good to be true, and they self sabotage.
Speaker 2 (23:12):
They ruin it for themselves.
Speaker 4 (23:13):
They blow all of their emergency savings because they're like,
this feels uncomfortable, and do you know what feels comfortable?
What I always know, And while that might not be comfortable,
I know what to expect. So I'm going to end
up broke again. It happens to the best of us.
So building capacity means that we are letting ourselves keep
the race, enjoy the trip. We are backing ourselves for
(23:36):
the next step without waiting for it to all fall apart.
Capacity beck it means saving even when it's really uncomfortable,
not just when it's really easy to save, not just
when you're like, oh, well, I could save this month
because I didn't go out, so therefore I have an
extra fifty dollars and I can save this month.
Speaker 2 (23:55):
God, that's easy.
Speaker 4 (23:57):
We are needing to put a framework in place so
that fifty as is consistent even when it's not super
comfortable because that's what's creating capacity for us. We're going
to ask for more. We expect people to respect us.
We're going to ask for a raise. We're going to
ask for a better deal. We're going to ask for
an opportunity. You're at jb Hi Fi and you're buying
a product, we are going to ask for a better deal.
Speaker 2 (24:17):
It is uncomfortable.
Speaker 4 (24:19):
Get comfortable with the uncomfortable, right, We're going to back
ourselves to take a risk that you used to think
was like only for other people. It's not for me,
it's only for other people. Why it's all for you, baby,
all for you. It's all for you, willing to just
have more, not self sabotaging. When things start to get good,
(24:41):
and I know you all do it, we all do yes,
very human nature. We want to revert back to being
where we were most comfortable and we are comfortable with
what we can expect. And if you start being uncomfortable,
we need to ask ourselves why is it just because
we haven't been here before? Potentially this is often when
people they start to hit like an emotional wall because
(25:03):
abundance it doesn't just feel good. Sometimes it feels really unfamiliar.
And honestly scary.
Speaker 2 (25:10):
Mm hmm.
Speaker 3 (25:11):
Okay, but what about when bad stuff does happen, because
it does feel a little bit.
Speaker 4 (25:14):
Bad stuff does still happen, Like we're not going to
pretend it doesn't, right.
Speaker 3 (25:17):
Yeah, it does feel a bit unrealistic. I think to say,
believe in abundance when you get hit with like when
it feels like it feels like we're running an MLM cult. Yeah,
like you're like, oh, I'm not making any.
Speaker 4 (25:32):
Sales, and I'm like, just believe the sales are coming back, Like,
that's not it. I think bad things can still happen. Yeah,
and real abundance mindset, it's not about pretending that life
doesn't throw your curve ball. It's about believing that you
can absolutely recover, not believing that you'll never fall over
it again.
Speaker 3 (25:51):
Yeah.
Speaker 1 (25:51):
Right.
Speaker 4 (25:52):
Studies show that people who practice realistic optimism, not the
Lulu optimism. The key there is realistic, not blind faith. Beck.
They're more resilient financially and emotionally after setbacks like.
Speaker 2 (26:07):
That thousand dollars.
Speaker 4 (26:08):
Yeah, it's gonna suck, we'll work it out, but it
doesn't make you feel as trash as it would have historically. Right,
it's about going, oh, this happened, but it is what
it is, and we will move forward because more money
is coming. Like I think so many times we would
fall into well i'm real now and financially I'm done.
I'm done, I'm bad at this, I suck. Yeah that's
(26:30):
not it. That's not how we speak to ourselves in
this house. No, absolutely not. And if you think you're helpless,
go you give up. I'm helpless. I can't do anything
about this. I'm just going to go back to bed.
But if you think you can rebuild, you can actually
take action. You could call the mechanic and you could
be like, hey, I don't have a thousand dollars. Could
we please work out like a payment plan and then
(26:53):
we could shift our budget for the month and work
out how we're going to make that a reality. Like
we're just facing tasks head on. Okay, this it's more
like I trust myself even when it's messy. Absolutely, because
you're not making like bad things are still going to happen.
But like, girl, you're equipped, you can deal with this. Yeah,
you're the tools abundance. It's not about being delulu. It's
about backing yourself even when it feels messy even when
(27:15):
it feels hard, because you trust that there's something bigger
waiting for you if you just keep showing up and
you don't need a million dollars in your bank account
to actually start living like that. Yes, it just it
blows my mind how many people say, well, I'm going
to need to wait until I have more money before I,
you know, feel successful. Like, no, girl, you won't feel
(27:36):
successful with a million dollars in your bank account.
Speaker 2 (27:38):
That's so true.
Speaker 3 (27:38):
That was me literally right before this episode, and I
was like, oh, I'll start saving when I know more,
But it's not.
Speaker 4 (27:43):
The case because that's easy, and then you'll just fall
off the bandwagon.
Speaker 2 (27:47):
The next month. Okay, okay, I love this so much.
I think it's like the perfect way to wrap this up.
You're done with this.
Speaker 5 (27:53):
I like it.
Speaker 3 (27:53):
I am because I'm really to start money life, my
abundance life exactly.
Speaker 2 (27:58):
We are going to kick scarcity minds. Yeah.
Speaker 3 (28:01):
So if you know someone who's stuck in a bit
of its scarcity mindset, and no fault to them, because
we've all been there, send them this episode.
Speaker 2 (28:08):
Let's help them start backing themselves too.
Speaker 4 (28:10):
Absolutely, and don't forget to follow and subscribe to us
wherever you get your podcasts, so that we can continue
to bring you the money wisdom that hopefully you love.
Speaker 2 (28:18):
Have a good week, guys, BI guys.
Speaker 6 (28:26):
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.
Speaker 2 (28:45):
Advice tailored towards your needs.
Speaker 6 (28:47):
Victoria Divine and She's on the Money are authorized representatives
of Money showper pty Ltd ABN three two one IS
six four nine two seven seven zero eight AFSL four
or five one two eight nine
Speaker 5 (29:11):
H
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