In this episode we talk to the incredibly successful finance educator and entrepreneur Victoria Devine. Her podcast 'Shes on the Money' has millions of downloads and it's her mission to help people (especially women) take control of their finances and create wealth and security. Hear her takes on investment 101 and how she balances the energetics and structures of money. This episode will make you excited about wealth and financial success - and take your money game to the next level.
Here is our previous episode with Victoria HERE.
Find out more info about Victoria HERE
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
I would like to acknowledge the traditional owners of the
land on which this episode is being recorded, the Combomb
Merry people. They've been having conversations and telling stories on
this land for thousands of years, and we show our
gratitude and respect for their contribution to our environment and culture.
(00:21):
This is Rise and Conquer, the podcast where we strive
to become the highest version of ourselves through curious conversations,
healthy mindsets, laughter, connection, and a deep desire to evolve.
I'm your host, Georgie Stevenson. Join me as we explore parenthood, business, manifestation,
(00:46):
and so much more.
Speaker 2 (00:48):
It's positive, it's practical.
Speaker 1 (00:50):
And it's about putting you in the driver's seat of
your own life.
Speaker 3 (00:55):
Are you ready.
Speaker 1 (00:57):
Just before we start the episode, if you have ever
felt like manifestation makes sense in theory but not in
your everyday life, If it has felt hard to stay
consistent in your manifesting routines, then we have the thing
for you. So introducing our brand new product, the Manifestation Lab.
(01:22):
And honestly, I am so excited about this. The Lab
is your personal manifestation system. It's for the dreamers who
are ready to become doers.
Speaker 3 (01:33):
It's for the ones who are.
Speaker 1 (01:34):
Done with guessing and are ready to ground their desires
into reality with clarity, with structure and align action. So
basically it is a notion template and inside you'll get
clarity tools to really define what you want. That is
the first step of manifestation and it is so important.
(01:55):
You'll also get rituals and mindset practices to clear any
resistance and to shift your energy, which is also one
of the most important parts. You'll also get my full
limiting beliefs and manifestation formula so you can clear what
is holding you back. There is a tracker to stay
consistent and accountable, and of course there is a manifestation
(02:20):
library where we have given you every book, every podcast,
every YouTube, So if you want to raise your frequency,
if you want to learn about something, we have given
you a whole library of where to go, and that
is all my favorite resources.
Speaker 3 (02:39):
So it's not just a pretty template.
Speaker 1 (02:41):
This is going to be your daily manifestation podal a
space where your desires meet momentum. So if you have goals,
if you have desires, if you're calling an abundance or
love or success or all of the above, the Manifestation
Lab is your home base and it's designed to grow
(03:02):
with you, so like as you grow, it grows, it
supports your evolution. And it is only thirty three dollars
and thirty three cents, So.
Speaker 3 (03:12):
This is something that is only thirty three dollars.
Speaker 1 (03:15):
And you're going to use it daily. So if you
are listening back to this episode, it would already live
on our website.
Speaker 3 (03:23):
We are so excited. Head to the show notes to
check it out.
Speaker 1 (03:27):
But let's get into the episode. Today on the podcast,
we're joined by a total force in the finance world,
Victoria Divine. She's not only a former financial advisor to
an entrepreneur, but the founder of She's on the Money,
Australia's number one finance podcast that consistently dominates the charts
(03:53):
with millions of downloads and a thriving community behind her.
Victoria has made it her mission to help people take
back control of their finances and build wealth on their
own terms. She's also a best selling author and the
co founder of Zella Money, a fast growing financial advice,
accounting and finance breaking business that is helping everyday people
(04:17):
create extraordinary financial futures. In this episode, Victoria breaks down
exactly how to step into your financial power. We're talking
investment one oh one, building systems that work for you,
and how to balance the energetics and structures behind lasting
financial success. Her ability to make money.
Speaker 2 (04:38):
Feel clear, approachable, and.
Speaker 3 (04:40):
Even fun honestly is next level.
Speaker 1 (04:43):
And also, guys, we talk a lot about how manifesting
and the energetics of money is involved in this. Sometimes
you can think someone like Victoria is maybe someone who
doesn't have anything to do with that world, but she
actually does and she really helps put it in a
(05:04):
structure and a system. And so I think you guys
are going to absolutely love this episode. So whether you're
just starting out or ready to take your money game
to the next level, this conversation is going to leave
you feeling empowered, educated, and excited about your financial future. Victoria,
(05:25):
Welcome back to the Rise and Conquered Podcast.
Speaker 4 (05:29):
I am so excited about this, Like we were looking
it up off it and I was like, when was
that and twenty twenty one twenty It's been a hot minute.
Speaker 3 (05:39):
It's been a good couple of years.
Speaker 1 (05:41):
And also we were just having a laugh because I
was pregnant with Ivy.
Speaker 4 (05:45):
Girl and now you're pregnant again.
Speaker 2 (05:47):
And again and we only interview when I'm Yeah.
Speaker 4 (05:50):
We only do podcasts when Georgie is pregnant. So you're
going to continue to have to have babies so we
can continue this relationshiation. Yeah, otherwise, I so sorry.
Speaker 3 (06:01):
Thank you so much for coming back on the show.
Speaker 1 (06:03):
And it has been incredible to watch your journey over
these last four years, watch you grow your platform, grow
your businesses.
Speaker 3 (06:14):
For those who don't know who.
Speaker 1 (06:15):
You are, could you just give us a little bit
of an elevator pit.
Speaker 4 (06:18):
Hi, I'm Victoria. It is so lovely to meet you,
if we haven't met before. I am an ex financial advisor.
I retired in twenty twenty two and decided to go
all in on content creation. So I have the Sheese
on the Money podcast and we talk literally all things money.
And I also own a mortgage broking business called Zella Money,
(06:40):
and so that was kind of like my baby that
I nurtured. When I retired in twenty twenty two, I
was like, all right, well, I can't step out completely
of the finance industry. And now, yeah, every single day
I get people into their first homes, their second homes,
maybe their fifth homes, and it's so exciting. But I
guess that's me.
Speaker 1 (07:01):
You really do do it all, and you also have
a gorgeous baby boy.
Speaker 4 (07:05):
Oh yeah, my personal life yea, do not forget it's
my work life. But then you on the flip side,
I have a gorgeous husband called Steve. I have a
son who is now or thirteen months old, which is crazy,
and yeah, I've got a beautiful dog and yeah, life
is good.
Speaker 1 (07:23):
I always do that where I just introduce myself my
occasional sense.
Speaker 4 (07:27):
Yeah, I'm at work, right so they yeah, you don't.
I don't know. It's like a job interview. You wouldn't
go in and be like, so, yeah my husband in
a job interview. I like kind of separate the two
and the I'm like, hold on now, this is a
personal chat.
Speaker 1 (07:40):
No, thank you so much for that. And yes, your
baby boy is so so sweet. And I love the
fact that you do it all. And the season that
we're currently in on the Rise and Concer podcast is
how to have it all, do it all, be whoever
you want. And I feel like you very much embody
(08:02):
that I want to go straight in because, as you know,
I talk a lot about the energetics and the mindset
around money and I have always been obsessed with your
work because you are all about the strategy, You have
the structures. I obviously believe that you need both, and
(08:24):
I know when I first kind of saw your work
and then interviewed you, I was like, oh, wow, no,
if she does the mindset and energetics like you.
Speaker 4 (08:33):
Really do, I'm also a little bit Delulu.
Speaker 1 (08:36):
You are absolutely Delu, and I think a lot of
people would be surprised by that because you've got the
financial business.
Speaker 4 (08:44):
Like on think, I'm just strategy gal.
Speaker 2 (08:46):
Yeah.
Speaker 1 (08:46):
On paper or the first glance, you do look like
just very that masculine energy, corporate girl, strategy girl.
Speaker 2 (08:54):
And then when I got to know you on a
deeper level, I was like, oh.
Speaker 4 (08:58):
No, she's just a girl.
Speaker 3 (08:59):
She gets it's the whole thing.
Speaker 1 (09:01):
And so I would love to go straight into that because,
like I said, my opinion is you really need both.
I'd love to know your opinion on that.
Speaker 4 (09:10):
It's so funny, right because you obviously do a lot
about manifesting and I'm obsessed with it, but I'm such
a like I'm I mean this like juxtaposition position right
where I love the idea of manifesting, but when you
really break it down. That's a beautiful mindset, but it's
not going to work without strategy. So like the mindset
(09:31):
and the energetics, they are the thing that's going to
carry you on that journey. But if you don't have
the strategy, you don't have a roadmap, you don't have
a plan in place, and all of that energy may
be wasted. And so we need to create a strategy
so that you know, if you're manifesting, let's say you're
dream home, you could have a million Pinterest boards and girl,
(09:52):
I am the biggest Pinterest you. So like if we
looked at my app usage, I swear I just scroll
on there all day being like, oh IP in this
and I love it. But if you really want to
create a vision board and bring it to life, we
need to create a roadmap that helps us get there.
And it's this concept of if you're looking for something,
(10:12):
you're more likely to discover it. And I guess that's
where manifestation fits in for me. You said before, you
know it's really unexpected that you're into I guess the
more delulu side of things. But if we take a
step back, I actually have two psych degrees, so I
studied psychology as my first degree and my second degree,
and then realized I didn't really want to be a counselor.
(10:34):
I didn't want to work in you know, psychology in
that way. I kind of much preferred the self development
side of things, which had me fall into a space
called organizational psychology. And I think the reason I loved
that was because I went straight into an area called
culture and engagement. And I also did a lot on
leadership development, so working with essentially the C suite to
(10:56):
take them to the next level. And then I realized,
you know, this is only in hindsight, because you can't
realize things sometimes in the moment. Just wasn't gelling with me.
I much preferred doing that with women, and so money
made sense, right, like money is the key to the kingdom,
Like money gives you security and freedom and choice, But
(11:18):
we also need to have the right mindset, because we
could give you heaps and heaps of money, Georgie. But
then if you don't have the right mindset, you might
not do a single thing with it, and you won't
create the dream life you deserve.
Speaker 1 (11:28):
You won't leverage it, no exchange it, you won't invest,
you'll be too scared.
Speaker 4 (11:33):
Exactly, you just leave it as this tool that you
know if you don't. And I talk a lot about
money stories and really understanding, like, hey, Georgie, why do
you feel a particular way about this? And you'll go, oh,
I don't really know. But then if we dive a
little bit deeper, you go, oh, my goodnurse. All of
my experiences have meant that.
Speaker 1 (11:51):
My parents said this exactly, this happened to me at
this moment, I felt stupid with money. So I feel like, I,
you know, don't'm.
Speaker 4 (11:58):
So silly with it, and so I can't be try
And you're like, hold on, where's this narrative coming from?
And why can't we rewrite that? Yes, so I think
it's a lot about that. And people look at money
as just a tool, and for the longest time it
has been a white man's game. It's like, Georgie, we're
just girls. We don't understand. But at the end of
(12:19):
the day, who runs the world, Like most of the
money decisions in a household are made by women, but
we don't have the power to control that.
Speaker 3 (12:26):
We're taking that back absolutely.
Speaker 1 (12:29):
And also we don't have the tools, we don't have
the background, the information, and that's why I love that
you're saying all this, because I'm like, yes, And it's
so interesting because one of the one of my work girls,
I was like, I'm gonna go see Victoria. She's on
the money, and she's like, oh, this is so exciting
because you guys are like so opposite and I'm like, no,
(12:50):
actually not, yeah, we actually if you actually listen to
her content and you know deeper, like we're very similar. Obviously,
I'm never going to give financial advice because I'm not, but.
Speaker 4 (13:00):
You don't do to talk about mindset and like, yes, Georgie,
I could sit down and give you, Like let's just
say we've got somebody. Let's call her Sarah, and we
sit her down and we go, all right, Sarah, we
want to change your life. Like, and I think that
you and I together, we could we could do some
stuff with Sarah, some really good stuff. But like, let's
just start with the strategy side of things. I'm gonna
sit down, I'm gonna give her a proper budget. I'm
(13:22):
going to give her an investment portfolio plan, really well diversified. Yeah,
she's not committed, she hasn't got the right mindset, she's
not on board. She doesn't really, it's usualized her future exactly. Yeah,
So like you cannot have one without the other. And
I think so often we think the key to the
kingdom is going to be, oh my gosh, I'll get
my budget together one day. Godfriend, get your mindset together,
(13:44):
because the second you do the budget easy.
Speaker 2 (13:47):
It's easy, it's easy.
Speaker 1 (13:49):
And also, I would argue the mindset needs to come first. Agree,
because even if you get the budget, or even like
you get this huge load of cash, but you don't
have the mindset, you don't have the energetics to hold it,
you won't make great decisions. And then that will continue
into your narrative of why you're not good with money
(14:09):
and so.
Speaker 4 (14:10):
It yeah, and you'll feel constrained by it. So like, yeah,
you can get your mindset right. Even if you're like V,
I don't know, I don't earn a lot of money,
that doesn't matter, because if we can get your mindset
in alignment and you can get your vision really clear,
do you know how easy it is to budget When
you're like, no, I'm making decisions that are aligned with
my vision and my future self, you don't feel like
(14:32):
you're compromising. You don't feel like you are being restricted.
And how often have you heard, Oh, I don't budget,
it's too restrictive. I'm sorry, restrictive for what? Yeah, like,
what are we restricting here? Because like, from my perspective,
I'm helping you build your dream life And that's not restrictive, baby.
Speaker 1 (14:49):
That's empowering exactly. That's incredible. So even let's even touch
on it. So, like you said, how Icee, manifesting is
not necessarily like the vision boards the dreaming. That's definitely
a component, and I love that it's important because most
of us dream too small, and so that is definitely
a component. But when I and how I teach manifesting
(15:12):
is I am not going to talk much or like,
manifesting isn't the act of doing, It's not the masculine
act of doing. Manifestation is Okay, here's the vision, here's
the goal. Who do I need to be in order
to have that goal? Like, yeah, who is the person
(15:32):
who has that goal? And I think that's like a misconception.
And I love that you've already kind of spoken on this,
but it's like, okay, so that person who does have
that you know, investment portfolio, who does that what does
their budget look like, how do they show up?
Speaker 2 (15:47):
You know, who are they being?
Speaker 1 (15:48):
And I think again, when you marry those two, you
really have the perfect strategy, the perfect embodiment for your
next level self, who is finance free, who feels so good?
And I love that you said that when you get
to a point of marrying both together, you won't.
Speaker 4 (16:09):
Feel to stricted.
Speaker 2 (16:11):
It will feel easy, there's less resistance.
Speaker 4 (16:15):
And I think it's so funny actually because I just
published an episode on Cheese on the Money that basically
says that manifestation is bullshit, Andia, I'm so sorry, I'm
so sorry.
Speaker 3 (16:28):
How could you do that to us?
Speaker 4 (16:30):
It's kind of a big clickbaity because at the end
of the day, like I think so many people think
manifesting is just throwing it out to the universe, georgy,
just throw it out to the I've been asking the universe.
I think about it.
Speaker 3 (16:41):
All, think about it, and my poorsh appears.
Speaker 4 (16:43):
Yeah, like that's that happens, right, But like manifestation, like properly,
like if we're going to talk about it, is actually
you showing up for you, you doing those things and
putting the work in.
Speaker 3 (16:56):
And I'm bodying that fuelure exactly.
Speaker 4 (16:58):
And sometimes I don't. I don't enjoy when people say, oh,
I manifested this, because so flippantly it pushes off the
fact that you worked really hard for this life.
Speaker 3 (17:07):
Yeah.
Speaker 4 (17:08):
Like you know, if you sat with me and we're
at brunch and I'm talking about something and you say, yeah,
I manifested my whole life, I'd be like, girlfriend, you
worked hard for your life. Like I can see how
much time and energy and effort and alignment you are,
you know, creating. That's not just manifestation. That's not this.
And I think that because of TikTok, because of Instagram,
(17:29):
there's this concept that manifestation is just like maybe you
should just like do a little meditation Georgie in the
morning and like tick tick tick, all of a sudden
your life with you exactly, And that's not it. But
like that time that you're spending with yourself is the
clarity to then go and do the strategy because unfortunately,
no one's going to come riding in on a white
(17:50):
horse and save you, like you are the one that
has to do the work, like and if you're not
going to be showing up for you, who else is
going to and if you're not going to show up
for you, why would other people if you're not even
saying it's a value, So I think it's Yeah, for me, yes,
it was a little bit click baby, and that's why
I was like, no, I love manifestation, so small shit,
but it's also just give yourself more credit, like you're
(18:12):
doing work.
Speaker 1 (18:13):
Well, that's why we even stopped using the word manifestation
in our marketing.
Speaker 4 (18:19):
Because it was getting a little bit dululu.
Speaker 1 (18:22):
Well because I like, I started using the word manifesting
probably five or six years ago when I did my
original course and that was like before it was trending.
Speaker 4 (18:32):
Because you were talking strategy and that encompass styes.
Speaker 1 (18:35):
And there was like I was like, this is a
six step formula on how to embody your dream reality,
which is manifestation because if you look at the dictionary
example not example, sorry, the dictionary, manifestation is your thoughts.
Speaker 2 (18:51):
And your vision coming into fruition.
Speaker 1 (18:55):
So it made it involves work. It made Yeah, it
made sense in regards to using that. But now because
of TikTok, because of social media, I can absolutely understand
why people don't want to use the word manifestation because
it discredits and yeah, we honestly stop in using the
manifestation in some of our marketing.
Speaker 4 (19:16):
It's so important still because I think that that, especially
when you're stepping more into your feminine energy, like I
want to be using words like manifestation because I feel
like it embraces this strategy and process and who I
really want to be, as opposed to yes, I've got
a plan, Yes I've got a strategy, like well, no.
Speaker 1 (19:34):
The difference what I would say and why I don't
use the words like goal setting and smart goals and whatnot,
even though technically that's what I do, is because I
guess with my life, I did the masculine version I
got straight out of high school. I did law because
(19:56):
it's like that's what I thought I had to do
in society to be respected and please my parents, and
I like followed that formula.
Speaker 2 (20:05):
And then when I.
Speaker 1 (20:06):
Started understanding manifestation, when I started using these laws of
the universe, that's when I really transform my life into
Georgie who has her own business, who you know, wakes up,
you know, with her beautiful life and she's on the
beach and she goes for walks and she has created
this life that has felt like very much unreal, if
(20:27):
that makes sense.
Speaker 3 (20:28):
And it wasn't.
Speaker 1 (20:29):
Because I was clear on that life. It was because
I was like following that feminine side of me. Was
when I was following the masculine, I got burnt out.
Speaker 2 (20:41):
And but you know me, Like, you know how.
Speaker 1 (20:43):
Hard I work, Like I'm on here in a work trip,
I'm pregnant.
Speaker 4 (20:47):
You just just getting it done. Yeah, like I would
love to see it.
Speaker 2 (20:49):
I absolutely do the hard work.
Speaker 1 (20:52):
But yeah, when you marry the two, that is the
absolute sweet sweet spot. You can't just do one. You
can't just do the feminine. You can't just do the
visualization without the strategy, without the doing. Like surely we
know this by now.
Speaker 4 (21:07):
Yeah, Like I don't know. I find it so interesting
as well, because there are still we're not saying stop
being a lawyer and go and do something else. No,
But like, just because that's the way that has been
paved before us doesn't mean it's the way that we
need to continue forward. And I think, yeah, it's just
so important to start stepping into Well.
Speaker 1 (21:27):
It depends if it's serving you or not. It depends
if it's like, no, this is who I'm meant to be.
And if you're honoring that kind of inner you, and
you're honoring that like inn intuition.
Speaker 3 (21:40):
Because for me, when I wasn't, I got a lot
of health issues.
Speaker 4 (21:44):
Oh my god, nurse me, you know, learning out, I
was depressed. I was consistently being like I'm so tired all.
Speaker 3 (21:51):
The so anxious.
Speaker 1 (21:52):
Yeah, yeah, anyway, we round there.
Speaker 3 (21:56):
I love this for us.
Speaker 1 (21:57):
What I want to chat about next is I feel
like especially women are quite scared and uncomfortable to talk
about money. Obviously not you, not me, and so me
please help me so shy and even like I know
from my content because I'm very transparent. I talk about
(22:19):
how much my businesses make. I talk about how much
my car was, and that is very intentional to do
that because I want other women to see it's not
showy to talk about money. It's not showy to be,
you know, talk about the investments you're making or anything
like that.
Speaker 4 (22:39):
Because it's actually not what's important. Yes, like I've got
a car costs, but also my life is whole because
of all of these other things.
Speaker 1 (22:49):
Yes, and also you should never shy away from it,
because I really believe like men aren't scared to talk
about money, to talk about the crisis. Yeah, but if
women do it, it's like, oh, that's yeah, like that's
Georgie's yeah. And so I think it's very important to
be so transparent and open because it shows other women
(23:11):
that it's like.
Speaker 2 (23:13):
You shouldn't be ashamed, you shouldn't feel like this is
a dirty secret.
Speaker 1 (23:17):
And the more that we are open about it, the
more women feel comfortable, the more we start playing the game.
Speaker 2 (23:24):
I think that's very very important.
Speaker 3 (23:26):
How do you feel about that?
Speaker 4 (23:27):
Oh, I don't like talking about money, Georgie, Absolutely no.
Speaker 3 (23:30):
I don't have a whole podcast on it.
Speaker 4 (23:32):
But I think it's so important because when women have
financial literacy, when women have money, women have power. And
when women have power, we aren't constrained and we rule
the world exactly like it's it's so funny because the
more power we get, the more uncomfortable we're making men.
I know, and they're the ones that are like, oh,
that's ill, that's gross. I've never met a woman who
(23:55):
is sure of herself that said what I do is wit.
I've never I've met men who go, oh, that's a
bit strange. Aren't you just milking that? A bit much. Yes, Queen,
Yes I am.
Speaker 3 (24:06):
That's kind of the point.
Speaker 4 (24:07):
It's kind of the point, but I think it's it's
so interesting as well. But at the same time, we
need to acknowledge that women do genuinely feel uncomfortable talking
about money. We can change that. But like you're putting
women who historically have been told don't talk about money,
that's ill, don't ask for a pay rise, don't talk
to your colleagues, And then you're adding things in like trauma,
(24:29):
what your money story was, so how you grew up
around money, like Georgie, if you grew up and you
didn't have a lot of money, you might feel sick
whenever the topic comes up. You might just you might
not know why that's happening, but you might get that
like little not in the bottom of your stomach that
goes you shouldn't be talking about this. Let's just move
the conversation because you're feeling uncomfortable, And I actually want
you to sit with that and ask yourself why, Like
(24:51):
why do you feel a little bit icky in this situation?
And that works for anything, right, Like ask yourself and
your body, like why am I having this response? Like
for me sometimes responses are fully visceral. I'm like, oh, like,
how am I feeling this? And I just I want
you to feel that, because the more you feel that,
the more you're able to change where you can go
(25:14):
and what that actually looks like. And then we're adding
things in like the gender pay gap and all of
the things that put women behind that for so long
we've been told it's just the way it is. No,
it's not, absolutely not, because when women have financial literacy,
women have power, and when women have power, we don't
need men great ten out of ten, like we don't
(25:36):
need it, Like, we just don't need it. And so
I think when we're talking about money, it's not icky,
it's not weird. I want to know how much you
paid for your card? Did you get a good deal?
Like how did you purchase it? Oh my god, tell
me about these things, because we should be opening the
conversation up. Let's talk about finance. Let's talk about your house,
like we also could be talking about these things without
(25:58):
putting a dollar sign on it and having productive conversation
like is it not helpful even if you don't own
a property right now and aren't in the position to
understand how that process works, like, I want to know, Hey, Victoria,
how did you purchase your first home? Okay, cool? I
saved up a deposit with my husband, and it was
one of the hardest things we ever did. We got
(26:20):
into our first home. Then okay, let's talk about my second. Okay, cool,
that one was easier because it's always the first step,
Like the first one hundred thousand dollars that you save
or invest is always going to be the hardest, because
after that stage you can leverage. Great, I've got some equity.
I'm going to buy another property. Great, I've got some
rental income. I can do this. Like, I want you
(26:43):
to have all of the tools and resources, Georgie, so
that there's no surprises along your journey. You might be
at the very start, you might be in oodles of debt.
I actually don't care. I think you deserve the same
level of financial literacy as someone with multiple millions like.
You deserve that, and I want to give that to
you because even if you're in debt and you start
(27:05):
getting out of debt, isn't it beautiful to know that
you're doing that for you and the second that debt's gone,
that's power. Let's calculate what that could look like in
an investment. Let's calculate what that could look like in
a home deposit to actually give you back the power.
But I think with social media, with everything that is
going on, we are in a position where we just
(27:28):
consistently feel like we are not enough. And as women,
we are hardwired to think that we always have to
do better and that the next person has it better.
The grass isn't greener, the grass is green where you
water it. You need to be focusing on you, not
on what somebody else is doing. But we can learn
from them along the way.
Speaker 1 (27:47):
And I think it's even simple things like I my
parents were very open about money and talking about it,
but there always was kind of that lack story and
it was kind of like, you know, oh, we're not
people that go to UNI, We're not people that.
Speaker 2 (28:03):
Invest in that sort of story.
Speaker 1 (28:05):
So when I started accumulating more wealth and being like, Okay,
well what do I do with.
Speaker 4 (28:11):
My mum, because like that's not part of the journey.
Speaker 1 (28:13):
Yeah, they like and they didn't, you know, they bought
property and I have followed somewhat in that, but I
was like, oh, I'm sure there's like other things I
can do, and so when I started looking into it,
it did feel very overwhelming and it felt like.
Speaker 4 (28:29):
Is this like a little secret for you?
Speaker 3 (28:31):
Yeah?
Speaker 2 (28:31):
Is this a little secret that everyone else knows that
I don't know?
Speaker 1 (28:34):
And so I've really found you know, your books and
your podcast so helpful because I'm like, oh, it's actually
so simple and like really simple stuff Like my first
couple of cars, I actually just like bought outright cash.
Speaker 4 (28:47):
And I did the same thing. And then I like really,
so you're like, actually, that's maybe not the smartest financial DECISIONY.
Speaker 1 (28:54):
Could have, you know, bought a couple of houses at
this point, but sure, and even like before the boom.
Speaker 4 (28:59):
But it also feels so good to do that.
Speaker 2 (29:02):
Yes right, and pay something out right and be like
I own this.
Speaker 4 (29:05):
I don't have dat.
Speaker 2 (29:07):
I was so scared of debt.
Speaker 3 (29:09):
Now I have lots of debt.
Speaker 1 (29:10):
And it was then being like, oh, I can actually
buy a car through my business, and then I can
have alone, and then I can then use that cash
for something else. Then I can leverage that, and then
I can use the equity in my first house and
all those things which I literally had no idea. And then,
especially as a woman in business, a woman with wealth.
(29:30):
But the first generation it had at the start felt
like so much pressure because it wasn't spoken about. So
I think it's so important to have people like you
and me be very open about it and.
Speaker 4 (29:44):
Be like, here's how it can work, and this is
how we've done it, and you'll give you the blue
cree this way exactly.
Speaker 1 (29:50):
You can, you know, figure it out, but here's how
I did it. And it doesn't have to feel so stressful,
and it doesn't have to feel like for me, sorry,
money used to.
Speaker 3 (29:59):
Feel a life or death situation.
Speaker 4 (30:01):
Yeah, like it used to feel so critical it is
at that stage.
Speaker 1 (30:06):
Yes, and that really disregulated me and made me kind
of make some very interesting decisions that now i'd probably
go back and do differently. But again, you don't know
what you don't know, and so that's why I think
it's what you needed, because that was.
Speaker 4 (30:19):
Part of your journey, right, Like I think we look
back and go, I wish I did that differently totally. Yeah,
But also what did you learn? Like, what did you
get out of that? Because Georgie, I think a very
big part of my money story is that way back
when I was working in psychology I got into forty
thousand dollars worth of consumer debt, personal loan credit card.
(30:41):
I was so good at it, it was like a game.
But that didn't serve me. And if I hid that,
because for a very long time, I was super embarrassed
of that, like oh my goodnurse, Like I did not
feel good about that. That doesn't serve other people. And
me sharing that part of my narrative, that part of
my journey. It's not because I'm super proud of it.
(31:03):
It's because I know that that helps you. And I
know that that's the reality. It's the reality of the situation.
And I got myself out of that. And if I
can do it, and I don't think I'm that smart,
if I can do it, I can absolutely teach you
to do it, and then you could do it, and
then you could teach your friends and family to do it,
and we could all be a lot more comfortable. Because
when money comes together with your vision and what you
(31:25):
want to create and you have alignment, there's so much
power there, like, let's do that. Let's marry those two things.
Because when I go back and look at that person
who got into forty thousand dollars worth of consumer debt.
She didn't know who she wanted to be. She was here, there, everywhere.
She was just trying to be someone that she wasn't
sure who that was and what that looked like. Now
(31:47):
I know, I'm like, oh, that's fine. I don't care
where my stuff's from. Sometimes I'm like, I just don't
need that level of validation. And that's what I was
searching for without knowing it.
Speaker 3 (32:00):
I even love what.
Speaker 1 (32:01):
You touched on about not feeling smart enough and not
feeling like good with money because of previous decisions. And
that's even why I am very intentional about talking about
money while being the manifesting girl on Instagram, because I'm like, no, babes,
the money isn't.
Speaker 2 (32:19):
Just for the Victoria's the Jack's over there. I can
be a super you.
Speaker 1 (32:25):
Know, we would talking about this off air, but like
the de Lulu girl on Instagram who goes off, who
is financially very savvy, who not only has the mindset
but has the financial advisor looks for, Okay, what do
I want to do with my money? Because I never
want women to think or if you're a bit we were,
(32:47):
or if you're a bit like a stay at home mum.
Speaker 4 (32:49):
Or you're creative, so therefore you can't be good at fine.
Speaker 1 (32:53):
Yah, you can't be good at money. And I think
it's really important to make everyone.
Speaker 4 (32:58):
Feel every mud at it right.
Speaker 1 (33:00):
With money, not just the you know, the women who
went to university exactly or feel like they have a place.
And that's why I think there's such a conversation for it,
because I'm like, no, you can absolutely be whoever you
want to be and still have a place at the
table to talk about money.
Speaker 4 (33:20):
Yeah, one hundred percent. And I think it's it's so
funny you say that because I had three Uni degrees
and still got into that forty thousand dollars worth of debt.
So it's got nothing to do with like your education,
it really doesn't. I compared it on the podcast a
little while ago, or on my podcast, sorry a little
while ago to going to France. So like, Georgie, if
I picked you up and we went to France tomorrow,
(33:42):
can you speak French? Probably not? We know, like a
few keywords like I could say bonjour, I could you know?
So we I know I want to order a panicial plant.
Like that's the limit of my knowledge, right, that's finance.
The longer we spend in France, the more we are
going to be comfortable with the language and we're going
to pick up things here and there. But if we're
(34:04):
not spending time in France, why would you know about it. Also,
it's not in our school system, it's not in our
university system. It is not your employer's job to educate
you on this thing. This is a topic that essentially,
if you don't have the education and you didn't seek
it out yourself, how would you know how to speak French.
You don't just wake up and know how to do it. Like,
(34:26):
it's not because you're not smart, it's because you just
don't have exposure. Let me give you exposure, because of
course you're going to speak terrible French if you've never
done it before. But that's why I made terrible financial
decisions that ultimately I judged myself on and I put
myself in the corner and was basically like, oh my goodness, like,
(34:47):
I'm the worst at money, I can't be trusted, I'm
never going to own my first home. And these are
all narratives that I was telling myself shift that I
got out of debt. Girl, you can too, like you
literally can. If I can, I promise you it's not
that hard being in debt and not being able to
quote be good at money. It's not forever. In fact,
(35:09):
it just means you spent more than you won't full stop,
end of story. Do you want to fix that? Let
me help you, And if we can get your mindset
and your energetics in alignment, it will feel so easy.
It'll feel like you were meant to be doing this
the whole time.
Speaker 3 (35:23):
And don't make it mean something.
Speaker 1 (35:25):
So just because you are in debt, it doesn't mean
you're bad with money one percent. You made previous choices,
but you can always make new choices.
Speaker 3 (35:32):
You can always be that new person.
Speaker 4 (35:33):
One hundred percent, and money does not define who you are.
Speaker 3 (35:38):
Like I do not the least interesting thing about you.
Speaker 4 (35:40):
I do not care if you're a billionaire or you're
in a billion dollars worth of debt. Are you kind?
Are you nice? Are you somebody that I would invite
around for having a little wine on the couch with
me and my husband. That's the type of person I
want to know. I don't care about your finances, but
I care about you as a person. So therefore, by extension,
I want you to be good money because I know
(36:01):
how good that can make you feel. I know how
much power that gives you. I want that for you absolutely,
and I really really do. But do I judge you
if you're in debt? No? No, Also, who has the
time for that. Nobody doing more than you is ever
going to think less of you, and you right now
probably think less of you because of that. Just put
that in the mid for that's a problem that yesterday
(36:23):
you had. Today we're just honoring the fact that I
am kind, I'm nice, I am exactly where I need
to be, and there must be something that I'm learning
from this journey of being in debt. Let's try and
embrace that side of it.
Speaker 3 (36:35):
Yeah, what's the lesson? Who do I want to be
moving for?
Speaker 4 (36:39):
Exactly? And sometimes you have to take like fifty steps
back to be able to take one hundred forward and
it doesn't feel good. But I promise there's a light
at the end of the tunnel.
Speaker 1 (36:48):
Yeah, And like, no one's journey is linear. It's no,
it's never gonna look like that. Like, I love that
you share that past version of you, because I think
it's very important people be like Oh okay, Victoria's it's
not perfect.
Speaker 3 (37:00):
Look what she's created.
Speaker 4 (37:01):
I can do it too, exactly. And if I don't
share that, how would we know that this stuff is
a reality exactly?
Speaker 3 (37:10):
All right?
Speaker 1 (37:10):
So in our previous podcast we did talk about budgeting
and property. I remember and I will link the previous podcast.
But also, I'm sure you have so much updated information
on your podcast, so we can.
Speaker 4 (37:20):
Just go if you want a budget, our friend, this
is not the episode. I have a free one on
my website. Go download it. You absolutely should do it.
Go listen to the other episode. Go listen to my podcast.
That's fantastic. We're just talking about the energies, the vibes,
that making sure we're on the right track. We're talking
about anisolu station, all of the funner stuff.
Speaker 3 (37:38):
Well not flu because now we're going to get into her.
Speaker 4 (37:40):
Right, take that back. So I'll make it fun. We'll
make it fun. Frame it.
Speaker 2 (37:47):
It's us, so it's going to be fun.
Speaker 1 (37:49):
So I loved your id reel where you said a
five dollars a day spend, which is eighteen hundred twenty
five a year, sorry, eight and twenty five dollars a year.
Five dollars a day invested is seventy thousand a year.
Investing in shares is something a lot of women want
to do, but they feel intimidated by. I love this
(38:10):
so much because I started investing in shares maybe three
years ago, and.
Speaker 4 (38:13):
I remember was starting and I was like, it's not
that hard. I promise, go and see an advisor, do this,
And I wanted to be your advisor so bad, but
I was like stepping out of being a financial advice.
You found a good one, You're okay. I did. I
found a good one, you found a good, great recommendation, And.
Speaker 1 (38:30):
So I felt so intimidated, and I think I also
had some weird stories. I remember my dad being like, oh,
my friend had you know, three hundred grand in stocks
and then like everything, yeah, and like the what's it
called the g Global financial crisis happened in eight everybody
lost everything. Yes, and so they're hairy though they ask yes,
(38:53):
and I'm like, that's around it. But I was always like, oh, shares,
that's it's too unpredictable, it's too volatile, but.
Speaker 4 (39:00):
How you got on today?
Speaker 1 (39:01):
Like oh wow, it's really I forget, and like I
just then I was like sometimes I'm like Oh yeah,
I've got all that money in shares, Like how cool.
I really want to talk about it, because again, I
feel like it's not something women like a global financial crisis.
Speaker 4 (39:15):
We could do a whole podcast on that. Let's not fine,
I'll do it. There, you do it and link it
to me. But yeah, let's talk about investing. Yeah, and
so we can get into it. Investing is so fliping sexy,
And the reason I love talking about it is it
is because it's so accessible, Like you can now today
(39:36):
invest for as little as one cent, Like you don't
need a lot of money to begin, You can buy
shares for as little as one cent, and that is
flipping cool vibe. Oh so cool. Because when I started
my financial advice like career, you couldn't do that. You
needed a minimum of at least five hundred dollars to start,
and for a lot of people that's their entire life savings,
and they're like, well, I'm not willing to put that in.
(39:57):
Whereas now you can start small and be considered to
zoom a little bit further out and touch on the
fact that you know your dad's brother's friend's dog said
that you know you'll lose everything look what happened to
the global financial crisis. Most people during the Global financial
crisis lost all of their money because they freaked out.
So during your lifetime, Georgie, you're going to see a
(40:19):
minimum of seven market dips. That is seven times that
your share portfolio is going to look so disgusting to
look at. You're going to look at it. And the
bigger your portfolio gets, the worse it feels. Because you're
going to log in one day and it will say
you've lost thousands of dollars. But that feels like trash,
right But at the end of the day, that's not
money you've lost. That is money that is still invested.
(40:42):
But right now, if you'd sold those shares, that's what
you would be accepting for it. We don't accept that.
We wait, we ride the wave back up, and we
consistently ride the wave. Because anybody in Australia who has
been invested in the Australian share market for a minimum
period of third years, Georgie hasn't ever lost money. Isn't
(41:04):
that wild to think about. So it's a long term game,
long term game, and in a social media world that
is very hard because they're so bad at wanting instant gratification,
Like if your video isn't engaging, I'm off it less
than one second.
Speaker 3 (41:18):
Gimme a good hook nut.
Speaker 4 (41:19):
No, no good hook see you buye no good looking food.
Off you go. But I think it's so important to
understand why these people lost money, not just oh, your
friend lost three hundred thousand dollars. Oh my goodness. I
would never do that, because that's where real wealth happens. Unfortunately,
we are in the middle of a cost of living crisis.
(41:40):
Inflation is crazy. If you just keep your money in
your savings account, Georgie, you are going to retire poorer
than you are today, and that is crazy to think about.
But you need to be investing to be able to
get past inflation, because otherwise the money that you have.
Let's pretend you have ten thousand dollars today in a
savings account and feels so safe and so secure. Give
(42:02):
it thirty years, maybe you still have ten thousand dollars
in your savings account. That's great, same amount of money.
You might have even contributed a little more savings, but
it now buys significantly less.
Speaker 3 (42:14):
A loaf of bread.
Speaker 4 (42:15):
Exactly like you look back and I know it it
is the most stereotypical example. But the loaf of bread, right,
like a good loaf of bread at the bakery around
the corner from me, seven or eight dollars at woollies,
you're still buying it for like two or three. Back
in my parents' days, it was sense. And that is
something we need to take into consideration because that's just
going to keep inflating. It's just going to keep going up.
(42:37):
It does go up consistently every single year. And that's
why we have things like the you know, the budget
that comes out from the government every year. But we
need to be beating that. So you need to be
in it to win it, Like you have to invest.
At the end of the day, you are putting yourself behind.
And it's not scary, it's not. It's as easy as
(42:58):
buying a new dress on the iconic and I'm like
really good at that, Georgie.
Speaker 2 (43:01):
I'm so like literally, I'm so good at online shopping.
Speaker 4 (43:05):
It's not funny, exactly exactly. And if you're good at
online shopping, you're good at investing in shares because it
is as easy as downloading an app and just buying
a few things. Hitting trade great it's not as hard
as you think it is. Mediocre middle aged white men
have made us think it is hard for a very
long time because they have wanted us to pay them
(43:25):
a lot of money to be able to access that,
or they've wanted to gate keep their information because they
just want to feel really smart. But it's not that deep.
Speaker 1 (43:34):
So if someone who doesn't they don't want to see
a financial advisor, they don't want to see the middle
aged white man, what do they do?
Speaker 4 (43:40):
They listen to Sheese on the Money, and then you'll
be fine, absolutely fine, perfect if you want to start investing,
first thing I would do is think about why. So
we need to get that mindset and those energetics on
the right page. So what do you want to achieve
from this? Are we looking for? Like future financial freedom?
Are we looking for you know, home deposit? What are
(44:01):
we doing? We're gonna get clear on that. Then we're
gonna go, all right, what kind of platform do I want?
Am I gonna download an app like share Z's, which
is just like an app you can have on your phone,
gives you kind of not trying to pitch them, but
like talking about it, but gives you access to like
the US share market, Australia and New Zealand, and you
can trade for like one cent or do you think
(44:22):
you're like a full trader and you need something more
complex and you're looking at a platform maybe like self Wealth,
but that is a minimum of five hundred dollars to
be able to invest in, and like it doesn't have
a user friendly app, but like you might feel like
it's a little bit more technical, So like what are
we looking for? Pick your app and then we can
start talking about the type of investment.
Speaker 1 (44:41):
You still use an app like Chaze even if you
want to be investing thousands of dollars or you would
recommend going to the other app.
Speaker 4 (44:47):
Nope, Nope, shar Z's works exactly the same if you
have one cent or fifty million dollars, like their entire app,
and like my money is on chare Za's. I like
the experience. It's a legitimate investing platform, and it's so
pretty Georgie, Like it's just a pretty app.
Speaker 3 (45:06):
Language, it's a pretty.
Speaker 4 (45:06):
App, and they have AI building so that you can
like you can look up a I feel like this
is a pitch not being paid for them or buy
them for this podcast. I'm gonna call them up and
be like, hey, you're getting the best call out here.
But they literally have this like AI search. I don't
think that's what they call it, but like you can
type in what you're looking for, like I want an
(45:28):
ETF that's like all women or something, or I want
ethical ETF made up of tech companies and it will
like find that for you. Love isn't that cool? So
if you're like, oh, I've been thinking about this, maybe
I want to do a little bit of research. Like
it's so easy these days and that doesn't cost you anything.
So for me, having an app that makes the experience
(45:49):
easier so much better. That's why the iconic works, Right,
They've got all of these different retailers together, so I
can add a whole heap of things to my cart
check out smooth process. To be honest, Georgie, if you
made me go to like all of the other websites
and buy those dresses individually, maybe I'd still get one.
But like, I can't be bothered with the whole process.
Speaker 3 (46:07):
You're paying like all different shipping. I don't know too hard.
Speaker 4 (46:11):
Yeah, So I think it's important to have a process
that works for you, that feels smooth and feels like
you can commit to and then we can start picking
what you invest in, and that's completely up to you.
Like you could invest in direct shares, but for me
and for the she's on the money community, most of
them are looking at ETFs so exchange traded funds, which
(46:32):
are basically big buckets of pre selected shares that some
really smart, usually mediocre, middle aged white man has hicked.
Or it might be the top two hundred companies in
Australia because do you know what when it comes to investing, yes,
I'm aggressive. I want you to do this so bad,
but the second you get there, let's make it really boring. Georgie,
(46:54):
I don't want to be like personally, I don't want
to be taking massive risks with my money. No, I
just want consistent returns so that like I retire so wealthy,
I don't have to think about things. That's my plan.
So you're investing portfolio. We're not looking for the biggest
next thing. We're not looking for crypto. We're not looking
for like, oh, the tech companies that have performed the best.
(47:16):
I get it.
Speaker 3 (47:18):
What do you think of crypto?
Speaker 4 (47:20):
I'm a negative on the crypto side. Of things because
of my community. So I've obviously heard a lot of
negative stories. But on the flip side, why would I
want to invest in something that, yeah, there's like maybe
some significant upside, but it has such significant risk. But
(47:40):
I know I could achieve wealth pretty dependently, almost guaranteed
in the share market. Why would I take your money,
Georgie and take the biggest risk on purchasing an asset
that has no base? Right, Like, if we look at
crypto versus like giving gambling, yeah, it's giving gambling. But
like if we look at crypto versus a bank, let's
(48:02):
pretend it's NAB. So we've got crypto and NAB. NAB
is a legitimate business with lots of locations around Australia.
Our economy is held up by parts of NAB. If
they disappeared tomorrow, they can't, right, they have staff, they
have you know, consistent dividends that they've paid out to people.
Crypto who owns that. Where's their store? Where is the
(48:22):
actual bricks and mortar building that is sustaining that? Could
it disappear overnight? Absolutely it could? And crypto coins have
so they've just disappeared out of the market completely and
whose responsibility is at nobody's because they can do that.
So you're telling me that I could invest in crypto
and have all of that risk, or I could invest
(48:43):
in NAB, which do you know what. Let's pretend and
they're not going to like me for saying this, but
let's pretend the worst controversy happens inside NAB and all
of a sudden their share price completely plummets. At the
end of the day, Georgie, they're so integral to our
economy and to the banking of so many in Australians. Yep,
might have affected their share price. Smart people are going
(49:05):
to buy it while it's completely back up, and then
it's going to go back up. Yeah, Like, is crypto
going to do the same thing? No, it has never
shown us that. Yes, bitcoin has, so like bitcoin as
a coin on its own has and ethereum has done
something similar. But like, that's too out of thousands, if
not hundreds of thousands of different crypto options. For me,
(49:29):
I am conservative but aggressive, so most of my money
is in shares, but pretty conservative when we're picking boring
things because like girl, I just want to retire comfortably
and live my dream life. I'm not here. I don't
want to think the next best thing, but I'm just
not you can do that. But like, why would you
risk it.
Speaker 1 (49:48):
Especially if you're a beginner, especially if you're just getting
into the market, especially if you've never even doubled your toes.
Speaker 2 (49:57):
I think, Yeah, why.
Speaker 4 (49:58):
Would you be more comfortable with crypto over the share market?
You need to ask yourself that, and usually it is
because of the herd mentality. You've seen so many people
online get involved in crypto, So somehow, because you've seen
that role modeled, you feel safer with it. Whereas not
that many people are bragging about their share portfolio. That's
just consistent. That doesn't make a good news story. So
(50:20):
you need to ask yourself why you would take such
more significant risk over something that's tried and true. Right,
How bold you about it?
Speaker 3 (50:28):
I love that again? Mindset?
Speaker 4 (50:30):
Yeah?
Speaker 1 (50:31):
Okay, So, like I said, since the seven, it's all
about getting everything you want in life in business and
from your financial perspective, what are the non negotiable someone
should get right if they want to create financial freedom
to have everything they desire in life in business, this
(50:51):
dream life that me and you are both on the road.
Speaker 4 (50:54):
Yeah, So first is mindset. You need to get your
mindset straight, because if you do not think you deserve this,
it is not going to happen. We need to step
into no, I'm worth this, No I deserve this. I
am worth everything that I'm putting into me. Women consistently
undervalue themselves put themselves last. Caring about your finances is
(51:16):
making sure that that cup is bigger so that it
is always overflowing, as opposed to always working off empty
like we always talk about not being able to pour
from an empty cup. Girl, finances is going to build
the cup and plug all the holes and make sure
that it holds everything in right. Then, once we're clean
and clear on our mindset goes back to boring cash
(51:36):
flow Georgie, I guarantee most now listening, Yep, you have
to know. If they're not sexy, it's not fun. Most
people would be able to tell me how many dollars
come into their bank account because they know what their
pay slips are, Georgie, how many dollars leave? Where are
they going? What are they doing? I want you to
know four numbers. What do you earn, what do you spend,
(51:56):
what do you own? And what do you owe? Even
if that is astronomical amounts of o wing because same girlfriend, Like,
I am mortgaged up to the hilt and I regret nothing. Yeah,
but like I want to know where I am because
that's like a plot on a graph, and we can
plot ourselves and work out where we want to go
and what that looks like. The second thing I want
(52:17):
you to focus on is your foundations. Do you have
an emergency fund? Do you have fifty one hundred, maybe
it's five thousand, I don't care, But do you have
some cash sitting to the side that will help you
get out of any situation you don't want to be in?
Is it a bill that's just popped up and you're like,
oh my goodness, I totally forgot about this. Is it,
(52:39):
you know, flying back from Melbourne because you're stuck with
Victoria here and you want to go home to.
Speaker 3 (52:44):
The Gold Coast, get me home.
Speaker 4 (52:46):
But like, you have that power to just go I'm leaving.
So many people don't have that, Georgie. They can't leave
a situation they don't want to be in, and that
is power. We're not talking about tomorrow becoming a millionaire.
We're talking about giving ourselves the financial freedom we deserve,
and that is about giving ourselves choices. The next thing
I want you to do is automate. I want you
(53:06):
to automate your savings. I want you to automate your
bill payments. I want you to automate a transfer to
your investing account. Because those who have wealth, and you
would know this now, George, they are the ones that
pay themselves first. They set up their accounts. They are
paying their mortgage, they are paying their savings, they are
paying their debt, they are paying everything off to begin with.
(53:28):
They are investing, and then they're playing with the rest. Yeah,
people who look rich but are not rich are playing
with all of their money and then paying everything second
and not caring about it enough, so they're not creating
and building wealth. Wealth is not visible. It's so unsexy,
Like no one can see your investment portfolio, Georgie. They can't.
Speaker 3 (53:50):
It's sexy.
Speaker 4 (53:51):
They can see that. Oh, they can see your car,
they can see your houses, and that's fantastic. But for
lots of people, not you, but for lots of people,
those visible things are actually one hundred percent debt. Like
the cars on finance, they're really struggling with their mortgage
they're going home every night and fighting with their partner
over how they're going to make those payments. Your financial
(54:12):
freedom isn't coming from having the shiny things that everyone
can see. It's coming from your investment portfolio. The fact
that your property portfolio, I'm assuming, is generating income to
pay those More like, it's about strategy. No one can
see that, so we need to get that started. And
the best way to get that strategy started is automation.
And then we're just going to give it.
Speaker 3 (54:32):
I have to think about it, stunt.
Speaker 4 (54:33):
No, why would you think about it if you do
not have to, It's not fun.
Speaker 3 (54:37):
I also love it too, because I love automation. Sorry
to interrupt.
Speaker 1 (54:41):
Because when I have that money in the bank that
I've paid everything off, the mortgages are paid, the you know,
everything's gone into investments, so I know the set amount
of money that I can play with, and so when
I spend money, there is not no guilt. There is like,
you know, people are you know, if I will go
buy something special for my thirty eth or yeah, something
(55:03):
like that, and people like, oh, you're just wasting money.
Speaker 2 (55:05):
I'm like, no, I know exactly how much.
Speaker 4 (55:09):
Money and even if it was, and I literally printed
this money out and set fire to it. Wouldn't matter,
would it matter?
Speaker 3 (55:17):
It's not your problem?
Speaker 4 (55:18):
Yeah, Also, why are you so worrying?
Speaker 3 (55:20):
Jack?
Speaker 4 (55:21):
Exactly? So, I think it's so important to remember that unfortunately,
wealth it's not visible. It's really hard to see those
people who are financially successful. And in a world where girl,
I saw so many influencers in my financial advice career
that were up to their eyeballs in debt because they
were keeping up with the Kardashians. Yes, like, it's just
(55:44):
don't follow that. In fact, operate as a default. If
that influencer isn't talking about money, isn't talking about wealth,
they're probably not that comfortable with it. And do you
know why they're not that comfortable with it, because they're
not focusing on it. And if they're not focusing on it,
but they've got the car, they've got the clothes, they've
got the house, I've got everything, it's probably a little
bit sticky. Like, operate under that assumption, even though it
(56:06):
is not nice, because it will change your mindset to
caring more about yourself.
Speaker 2 (56:12):
That's even like just a quick little story and there.
Speaker 1 (56:14):
I remember when I was about twenty five, and I
was just kind of starting in the influencer game, and yeah,
I was getting paid extreme soone you know.
Speaker 4 (56:23):
Like I stream amounts of money in comparison to what
you were before.
Speaker 2 (56:27):
Yeah, when I was like a clerk, it was wild.
Speaker 1 (56:29):
And I remember being at an influencer event and a
younger influencer, big YouTuber who I knew how much she
was getting paid to certain sponsorships, and I was like,
holy wow. And I was just telling her how we
had bought our you know, first house, so I was
at that age.
Speaker 2 (56:48):
And she was like, oh my gosh, like how did
you afford it? And I literally reached.
Speaker 1 (56:53):
Over the table because she had like a whole bunch
of Cardia rings on, she had you know, her sign
a bag and everything, and I was like, paid because
I don't buy those things.
Speaker 2 (57:02):
Yeah, and I that's what I know.
Speaker 1 (57:04):
I can look at your hand right now, I can
look at your house to posit, and that is a
house to posit.
Speaker 4 (57:08):
Don't get us wrong, Like we're sitting here probably yeah,
like I deposits on our wrists right now.
Speaker 3 (57:13):
Absolutely.
Speaker 4 (57:13):
The reason we are able to do that is because
we put our well first.
Speaker 1 (57:17):
Well first. The same stuff playing first, Yes, lady said
to her, even though I think she's only twenty one,
even though you're twenty one, trust me, babe, Like, who
knows how long this career is going.
Speaker 4 (57:30):
To You never know?
Speaker 3 (57:31):
Do you never know?
Speaker 1 (57:32):
And so I just said to her, like, set yourself
up and then when you play with your money, you're
going to feel like so good when you spend it,
when you buy that cuddier whatever.
Speaker 4 (57:43):
It's become something that means something as opposed to a
status symbol.
Speaker 1 (57:47):
Yes, and look, I'm not like, yeah, who knows what
happened there, But I remember having that conversation and seeing
the world and being like wow, they And also she
probably didn't have the education. No, she didn't have the
role modelate like she I could tell when I told
her that she was like me by a house at
(58:08):
twenty one, Like.
Speaker 4 (58:09):
What, Yeah, you could could come and see me and
I will do it for you.
Speaker 1 (58:13):
Like it's really easy, toss me just get people to
do it exactly.
Speaker 3 (58:18):
And well, that's even why.
Speaker 1 (58:19):
I have a financial advisor, because I honestly hate numbers.
I find it boring. I find the budgets boring. But
it is so I'll tell you what you need, I'll
tell me what to do, I'll do it, go do
that and that and then.
Speaker 4 (58:31):
My random space exactly, and then can you please help
me with my mindset?
Speaker 3 (58:35):
Great?
Speaker 4 (58:35):
Thanks, You've got.
Speaker 3 (58:36):
Us both exactly.
Speaker 1 (58:38):
Victoria, thank you so much for coming on show. It
has been such a delight. You are such a wealth
of knowledge, and like I said at the start, I
just love that you aus have such a holistic view
and you are such a empowering role model for women
with money, with going after what they want, with living
(58:59):
their dream life. But you actually you give them the steps,
you give them, you know the tools, and it's so
so neated.
Speaker 3 (59:07):
So thank you so much.
Speaker 4 (59:08):
Thank you, and right back at you. I feel like
this little collaboration is one that needs to grow. I
know you can do the mindset stuff. I want to
play there too, but like I'll get the strategy, I'll
do the strategy.
Speaker 3 (59:19):
We the masculine, we need the feminish.
Speaker 4 (59:20):
Yeah, with a ying to the yang is yea perfect
Thank you for having me a pasure as always, and.
Speaker 1 (59:25):
Of course I will link everything that Victoria has to offer.
Speaker 3 (59:28):
In the show.
Speaker 4 (59:28):
Not I was just happy to be here, to.
Speaker 1 (59:30):
Be honest, but also guys like if you're like getting
those moments, those are har moments where you're like, fuck,
I can.
Speaker 2 (59:36):
Actually I can be in the do this, I can
be at the big boys table.
Speaker 4 (59:40):
That hard.
Speaker 3 (59:41):
Honestly, it's not hard.
Speaker 4 (59:42):
If we can do it, you can do it, I know.
And like we've just got folded up chairs. You bring one,
we'll all sit at the same table and we'll just
get stuff done.
Speaker 1 (59:49):
Well, we will absolutely all right, my love, thank you
so much coming on the show. If you did love
this episode, please take a screenshot, put on your stories,
share it with a girl, our friend, share it with
your mum, sister.
Speaker 3 (01:00:02):
Really appreciate it.
Speaker 1 (01:00:03):
This is an independent podcast and the reason that we
can keep giving you this beautiful free content is because
you guys share.
Speaker 3 (01:00:12):
It and we have listens and downloads. So appreciate you
more than you know.
Speaker 1 (01:00:16):
If you do that, Thank you so much for listening,
and I will chat to you in the next episode.
Speaker 3 (01:00:21):
Bye.
I would like to acknowledge the traditional owners of the
land on which this episode is being recorded, the Combomb
Merry people. They've been having conversations and telling stories on
this land for thousands of years, and we show our
gratitude and respect for their contribution to our environment and culture.
(00:21):
This is Rise and Conquer, the podcast where we strive
to become the highest version of ourselves through curious conversations,
healthy mindsets, laughter, connection, and a deep desire to evolve.
I'm your host, Georgie Stevenson. Join me as we explore parenthood, business, manifestation,
(00:46):
and so much more.
Speaker 2 (00:48):
It's positive, it's practical.
Speaker 1 (00:50):
And it's about putting you in the driver's seat of
your own life.
Speaker 3 (00:55):
Are you ready.
Speaker 1 (00:57):
Just before we start the episode, if you have ever
felt like manifestation makes sense in theory but not in
your everyday life, If it has felt hard to stay
consistent in your manifesting routines, then we have the thing
for you. So introducing our brand new product, the Manifestation Lab.
(01:22):
And honestly, I am so excited about this. The Lab
is your personal manifestation system. It's for the dreamers who
are ready to become doers.
Speaker 3 (01:33):
It's for the ones who are.
Speaker 1 (01:34):
Done with guessing and are ready to ground their desires
into reality with clarity, with structure and align action. So
basically it is a notion template and inside you'll get
clarity tools to really define what you want. That is
the first step of manifestation and it is so important.
(01:55):
You'll also get rituals and mindset practices to clear any
resistance and to shift your energy, which is also one
of the most important parts. You'll also get my full
limiting beliefs and manifestation formula so you can clear what
is holding you back. There is a tracker to stay
consistent and accountable, and of course there is a manifestation
(02:20):
library where we have given you every book, every podcast,
every YouTube, So if you want to raise your frequency,
if you want to learn about something, we have given
you a whole library of where to go, and that
is all my favorite resources.
Speaker 3 (02:39):
So it's not just a pretty template.
Speaker 1 (02:41):
This is going to be your daily manifestation podal a
space where your desires meet momentum. So if you have goals,
if you have desires, if you're calling an abundance or
love or success or all of the above, the Manifestation
Lab is your home base and it's designed to grow
(03:02):
with you, so like as you grow, it grows, it
supports your evolution. And it is only thirty three dollars
and thirty three cents, So.
Speaker 3 (03:12):
This is something that is only thirty three dollars.
Speaker 1 (03:15):
And you're going to use it daily. So if you
are listening back to this episode, it would already live
on our website.
Speaker 3 (03:23):
We are so excited. Head to the show notes to
check it out.
Speaker 1 (03:27):
But let's get into the episode. Today on the podcast,
we're joined by a total force in the finance world,
Victoria Divine. She's not only a former financial advisor to
an entrepreneur, but the founder of She's on the Money,
Australia's number one finance podcast that consistently dominates the charts
(03:53):
with millions of downloads and a thriving community behind her.
Victoria has made it her mission to help people take
back control of their finances and build wealth on their
own terms. She's also a best selling author and the
co founder of Zella Money, a fast growing financial advice,
accounting and finance breaking business that is helping everyday people
(04:17):
create extraordinary financial futures. In this episode, Victoria breaks down
exactly how to step into your financial power. We're talking
investment one oh one, building systems that work for you,
and how to balance the energetics and structures behind lasting
financial success. Her ability to make money.
Speaker 2 (04:38):
Feel clear, approachable, and.
Speaker 3 (04:40):
Even fun honestly is next level.
Speaker 1 (04:43):
And also, guys, we talk a lot about how manifesting
and the energetics of money is involved in this. Sometimes
you can think someone like Victoria is maybe someone who
doesn't have anything to do with that world, but she
actually does and she really helps put it in a
(05:04):
structure and a system. And so I think you guys
are going to absolutely love this episode. So whether you're
just starting out or ready to take your money game
to the next level, this conversation is going to leave
you feeling empowered, educated, and excited about your financial future. Victoria,
(05:25):
Welcome back to the Rise and Conquered Podcast.
Speaker 4 (05:29):
I am so excited about this, Like we were looking
it up off it and I was like, when was
that and twenty twenty one twenty It's been a hot minute.
Speaker 3 (05:39):
It's been a good couple of years.
Speaker 1 (05:41):
And also we were just having a laugh because I
was pregnant with Ivy.
Speaker 4 (05:45):
Girl and now you're pregnant again.
Speaker 2 (05:47):
And again and we only interview when I'm Yeah.
Speaker 4 (05:50):
We only do podcasts when Georgie is pregnant. So you're
going to continue to have to have babies so we
can continue this relationshiation. Yeah, otherwise, I so sorry.
Speaker 3 (06:01):
Thank you so much for coming back on the show.
Speaker 1 (06:03):
And it has been incredible to watch your journey over
these last four years, watch you grow your platform, grow
your businesses.
Speaker 3 (06:14):
For those who don't know who.
Speaker 1 (06:15):
You are, could you just give us a little bit
of an elevator pit.
Speaker 4 (06:18):
Hi, I'm Victoria. It is so lovely to meet you,
if we haven't met before. I am an ex financial advisor.
I retired in twenty twenty two and decided to go
all in on content creation. So I have the Sheese
on the Money podcast and we talk literally all things money.
And I also own a mortgage broking business called Zella Money,
(06:40):
and so that was kind of like my baby that
I nurtured. When I retired in twenty twenty two, I
was like, all right, well, I can't step out completely
of the finance industry. And now, yeah, every single day
I get people into their first homes, their second homes,
maybe their fifth homes, and it's so exciting. But I
guess that's me.
Speaker 1 (07:01):
You really do do it all, and you also have
a gorgeous baby boy.
Speaker 4 (07:05):
Oh yeah, my personal life yea, do not forget it's
my work life. But then you on the flip side,
I have a gorgeous husband called Steve. I have a
son who is now or thirteen months old, which is crazy,
and yeah, I've got a beautiful dog and yeah, life
is good.
Speaker 1 (07:23):
I always do that where I just introduce myself my
occasional sense.
Speaker 4 (07:27):
Yeah, I'm at work, right so they yeah, you don't.
I don't know. It's like a job interview. You wouldn't
go in and be like, so, yeah my husband in
a job interview. I like kind of separate the two
and the I'm like, hold on now, this is a
personal chat.
Speaker 1 (07:40):
No, thank you so much for that. And yes, your
baby boy is so so sweet. And I love the
fact that you do it all. And the season that
we're currently in on the Rise and Concer podcast is
how to have it all, do it all, be whoever
you want. And I feel like you very much embody
(08:02):
that I want to go straight in because, as you know,
I talk a lot about the energetics and the mindset
around money and I have always been obsessed with your
work because you are all about the strategy, You have
the structures. I obviously believe that you need both, and
(08:24):
I know when I first kind of saw your work
and then interviewed you, I was like, oh, wow, no,
if she does the mindset and energetics like you.
Speaker 4 (08:33):
Really do, I'm also a little bit Delulu.
Speaker 1 (08:36):
You are absolutely Delu, and I think a lot of
people would be surprised by that because you've got the
financial business.
Speaker 4 (08:44):
Like on think, I'm just strategy gal.
Speaker 2 (08:46):
Yeah.
Speaker 1 (08:46):
On paper or the first glance, you do look like
just very that masculine energy, corporate girl, strategy girl.
Speaker 2 (08:54):
And then when I got to know you on a
deeper level, I was like, oh.
Speaker 4 (08:58):
No, she's just a girl.
Speaker 3 (08:59):
She gets it's the whole thing.
Speaker 1 (09:01):
And so I would love to go straight into that because,
like I said, my opinion is you really need both.
I'd love to know your opinion on that.
Speaker 4 (09:10):
It's so funny, right because you obviously do a lot
about manifesting and I'm obsessed with it, but I'm such
a like I'm I mean this like juxtaposition position right
where I love the idea of manifesting, but when you
really break it down. That's a beautiful mindset, but it's
not going to work without strategy. So like the mindset
(09:31):
and the energetics, they are the thing that's going to
carry you on that journey. But if you don't have
the strategy, you don't have a roadmap, you don't have
a plan in place, and all of that energy may
be wasted. And so we need to create a strategy
so that you know, if you're manifesting, let's say you're
dream home, you could have a million Pinterest boards and girl,
(09:52):
I am the biggest Pinterest you. So like if we
looked at my app usage, I swear I just scroll
on there all day being like, oh IP in this
and I love it. But if you really want to
create a vision board and bring it to life, we
need to create a roadmap that helps us get there.
And it's this concept of if you're looking for something,
(10:12):
you're more likely to discover it. And I guess that's
where manifestation fits in for me. You said before, you
know it's really unexpected that you're into I guess the
more delulu side of things. But if we take a
step back, I actually have two psych degrees, so I
studied psychology as my first degree and my second degree,
and then realized I didn't really want to be a counselor.
(10:34):
I didn't want to work in you know, psychology in
that way. I kind of much preferred the self development
side of things, which had me fall into a space
called organizational psychology. And I think the reason I loved
that was because I went straight into an area called
culture and engagement. And I also did a lot on
leadership development, so working with essentially the C suite to
(10:56):
take them to the next level. And then I realized,
you know, this is only in hindsight, because you can't
realize things sometimes in the moment. Just wasn't gelling with me.
I much preferred doing that with women, and so money
made sense, right, like money is the key to the kingdom,
Like money gives you security and freedom and choice, But
(11:18):
we also need to have the right mindset, because we
could give you heaps and heaps of money, Georgie. But
then if you don't have the right mindset, you might
not do a single thing with it, and you won't
create the dream life you deserve.
Speaker 1 (11:28):
You won't leverage it, no exchange it, you won't invest,
you'll be too scared.
Speaker 4 (11:33):
Exactly, you just leave it as this tool that you
know if you don't. And I talk a lot about
money stories and really understanding, like, hey, Georgie, why do
you feel a particular way about this? And you'll go, oh,
I don't really know. But then if we dive a
little bit deeper, you go, oh, my goodnurse. All of
my experiences have meant that.
Speaker 1 (11:51):
My parents said this exactly, this happened to me at
this moment, I felt stupid with money. So I feel like, I,
you know, don't'm.
Speaker 4 (11:58):
So silly with it, and so I can't be try
And you're like, hold on, where's this narrative coming from?
And why can't we rewrite that? Yes, so I think
it's a lot about that. And people look at money
as just a tool, and for the longest time it
has been a white man's game. It's like, Georgie, we're
just girls. We don't understand. But at the end of
(12:19):
the day, who runs the world, Like most of the
money decisions in a household are made by women, but
we don't have the power to control that.
Speaker 3 (12:26):
We're taking that back absolutely.
Speaker 1 (12:29):
And also we don't have the tools, we don't have
the background, the information, and that's why I love that
you're saying all this, because I'm like, yes, And it's
so interesting because one of the one of my work girls,
I was like, I'm gonna go see Victoria. She's on
the money, and she's like, oh, this is so exciting
because you guys are like so opposite and I'm like, no,
(12:50):
actually not, yeah, we actually if you actually listen to
her content and you know deeper, like we're very similar. Obviously,
I'm never going to give financial advice because I'm not, but.
Speaker 4 (13:00):
You don't do to talk about mindset and like, yes, Georgie,
I could sit down and give you, Like let's just
say we've got somebody. Let's call her Sarah, and we
sit her down and we go, all right, Sarah, we
want to change your life. Like, and I think that
you and I together, we could we could do some
stuff with Sarah, some really good stuff. But like, let's
just start with the strategy side of things. I'm gonna
sit down, I'm gonna give her a proper budget. I'm
(13:22):
going to give her an investment portfolio plan, really well diversified. Yeah,
she's not committed, she hasn't got the right mindset, she's
not on board. She doesn't really, it's usualized her future exactly. Yeah,
So like you cannot have one without the other. And
I think so often we think the key to the
kingdom is going to be, oh my gosh, I'll get
my budget together one day. Godfriend, get your mindset together,
(13:44):
because the second you do the budget easy.
Speaker 2 (13:47):
It's easy, it's easy.
Speaker 1 (13:49):
And also, I would argue the mindset needs to come first. Agree,
because even if you get the budget, or even like
you get this huge load of cash, but you don't
have the mindset, you don't have the energetics to hold it,
you won't make great decisions. And then that will continue
into your narrative of why you're not good with money
(14:09):
and so.
Speaker 4 (14:10):
It yeah, and you'll feel constrained by it. So like, yeah,
you can get your mindset right. Even if you're like V,
I don't know, I don't earn a lot of money,
that doesn't matter, because if we can get your mindset
in alignment and you can get your vision really clear,
do you know how easy it is to budget When
you're like, no, I'm making decisions that are aligned with
my vision and my future self, you don't feel like
(14:32):
you're compromising. You don't feel like you are being restricted.
And how often have you heard, Oh, I don't budget,
it's too restrictive. I'm sorry, restrictive for what? Yeah, like,
what are we restricting here? Because like, from my perspective,
I'm helping you build your dream life And that's not restrictive, baby.
Speaker 1 (14:49):
That's empowering exactly. That's incredible. So even let's even touch
on it. So, like you said, how Icee, manifesting is
not necessarily like the vision boards the dreaming. That's definitely
a component, and I love that it's important because most
of us dream too small, and so that is definitely
a component. But when I and how I teach manifesting
(15:12):
is I am not going to talk much or like,
manifesting isn't the act of doing, It's not the masculine
act of doing. Manifestation is Okay, here's the vision, here's
the goal. Who do I need to be in order
to have that goal? Like, yeah, who is the person
(15:32):
who has that goal? And I think that's like a misconception.
And I love that you've already kind of spoken on this,
but it's like, okay, so that person who does have
that you know, investment portfolio, who does that what does
their budget look like, how do they show up?
Speaker 2 (15:47):
You know, who are they being?
Speaker 1 (15:48):
And I think again, when you marry those two, you
really have the perfect strategy, the perfect embodiment for your
next level self, who is finance free, who feels so good?
And I love that you said that when you get
to a point of marrying both together, you won't.
Speaker 4 (16:09):
Feel to stricted.
Speaker 2 (16:11):
It will feel easy, there's less resistance.
Speaker 4 (16:15):
And I think it's so funny actually because I just
published an episode on Cheese on the Money that basically
says that manifestation is bullshit, Andia, I'm so sorry, I'm
so sorry.
Speaker 3 (16:28):
How could you do that to us?
Speaker 4 (16:30):
It's kind of a big clickbaity because at the end
of the day, like I think so many people think
manifesting is just throwing it out to the universe, georgy,
just throw it out to the I've been asking the universe.
I think about it.
Speaker 3 (16:41):
All, think about it, and my poorsh appears.
Speaker 4 (16:43):
Yeah, like that's that happens, right, But like manifestation, like properly,
like if we're going to talk about it, is actually
you showing up for you, you doing those things and
putting the work in.
Speaker 3 (16:56):
And I'm bodying that fuelure exactly.
Speaker 4 (16:58):
And sometimes I don't. I don't enjoy when people say, oh,
I manifested this, because so flippantly it pushes off the
fact that you worked really hard for this life.
Speaker 3 (17:07):
Yeah.
Speaker 4 (17:08):
Like you know, if you sat with me and we're
at brunch and I'm talking about something and you say, yeah,
I manifested my whole life, I'd be like, girlfriend, you
worked hard for your life. Like I can see how
much time and energy and effort and alignment you are,
you know, creating. That's not just manifestation. That's not this.
And I think that because of TikTok, because of Instagram,
(17:29):
there's this concept that manifestation is just like maybe you
should just like do a little meditation Georgie in the
morning and like tick tick tick, all of a sudden
your life with you exactly, And that's not it. But
like that time that you're spending with yourself is the
clarity to then go and do the strategy because unfortunately,
no one's going to come riding in on a white
(17:50):
horse and save you, like you are the one that
has to do the work, like and if you're not
going to be showing up for you, who else is
going to and if you're not going to show up
for you, why would other people if you're not even
saying it's a value, So I think it's Yeah, for me, yes,
it was a little bit click baby, and that's why
I was like, no, I love manifestation, so small shit,
but it's also just give yourself more credit, like you're
(18:12):
doing work.
Speaker 1 (18:13):
Well, that's why we even stopped using the word manifestation
in our marketing.
Speaker 4 (18:19):
Because it was getting a little bit dululu.
Speaker 1 (18:22):
Well because I like, I started using the word manifesting
probably five or six years ago when I did my
original course and that was like before it was trending.
Speaker 4 (18:32):
Because you were talking strategy and that encompass styes.
Speaker 1 (18:35):
And there was like I was like, this is a
six step formula on how to embody your dream reality,
which is manifestation because if you look at the dictionary
example not example, sorry, the dictionary, manifestation is your thoughts.
Speaker 2 (18:51):
And your vision coming into fruition.
Speaker 1 (18:55):
So it made it involves work. It made Yeah, it
made sense in regards to using that. But now because
of TikTok, because of social media, I can absolutely understand
why people don't want to use the word manifestation because
it discredits and yeah, we honestly stop in using the
manifestation in some of our marketing.
Speaker 4 (19:16):
It's so important still because I think that that, especially
when you're stepping more into your feminine energy, like I
want to be using words like manifestation because I feel
like it embraces this strategy and process and who I
really want to be, as opposed to yes, I've got
a plan, Yes I've got a strategy, like well, no.
Speaker 1 (19:34):
The difference what I would say and why I don't
use the words like goal setting and smart goals and whatnot,
even though technically that's what I do, is because I
guess with my life, I did the masculine version I
got straight out of high school. I did law because
(19:56):
it's like that's what I thought I had to do
in society to be respected and please my parents, and
I like followed that formula.
Speaker 2 (20:05):
And then when I.
Speaker 1 (20:06):
Started understanding manifestation, when I started using these laws of
the universe, that's when I really transform my life into
Georgie who has her own business, who you know, wakes up,
you know, with her beautiful life and she's on the
beach and she goes for walks and she has created
this life that has felt like very much unreal, if
(20:27):
that makes sense.
Speaker 3 (20:28):
And it wasn't.
Speaker 1 (20:29):
Because I was clear on that life. It was because
I was like following that feminine side of me. Was
when I was following the masculine, I got burnt out.
Speaker 2 (20:41):
And but you know me, Like, you know how.
Speaker 1 (20:43):
Hard I work, Like I'm on here in a work trip,
I'm pregnant.
Speaker 4 (20:47):
You just just getting it done. Yeah, like I would
love to see it.
Speaker 2 (20:49):
I absolutely do the hard work.
Speaker 1 (20:52):
But yeah, when you marry the two, that is the
absolute sweet sweet spot. You can't just do one. You
can't just do the feminine. You can't just do the
visualization without the strategy, without the doing. Like surely we
know this by now.
Speaker 4 (21:07):
Yeah, Like I don't know. I find it so interesting
as well, because there are still we're not saying stop
being a lawyer and go and do something else. No,
But like, just because that's the way that has been
paved before us doesn't mean it's the way that we
need to continue forward. And I think, yeah, it's just
so important to start stepping into Well.
Speaker 1 (21:27):
It depends if it's serving you or not. It depends
if it's like, no, this is who I'm meant to be.
And if you're honoring that kind of inner you, and
you're honoring that like inn intuition.
Speaker 3 (21:40):
Because for me, when I wasn't, I got a lot
of health issues.
Speaker 4 (21:44):
Oh my god, nurse me, you know, learning out, I
was depressed. I was consistently being like I'm so tired all.
Speaker 3 (21:51):
The so anxious.
Speaker 1 (21:52):
Yeah, yeah, anyway, we round there.
Speaker 3 (21:56):
I love this for us.
Speaker 1 (21:57):
What I want to chat about next is I feel
like especially women are quite scared and uncomfortable to talk
about money. Obviously not you, not me, and so me
please help me so shy and even like I know
from my content because I'm very transparent. I talk about
(22:19):
how much my businesses make. I talk about how much
my car was, and that is very intentional to do
that because I want other women to see it's not
showy to talk about money. It's not showy to be,
you know, talk about the investments you're making or anything
like that.
Speaker 4 (22:39):
Because it's actually not what's important. Yes, like I've got
a car costs, but also my life is whole because
of all of these other things.
Speaker 1 (22:49):
Yes, and also you should never shy away from it,
because I really believe like men aren't scared to talk
about money, to talk about the crisis. Yeah, but if
women do it, it's like, oh, that's yeah, like that's
Georgie's yeah. And so I think it's very important to
be so transparent and open because it shows other women
(23:11):
that it's like.
Speaker 2 (23:13):
You shouldn't be ashamed, you shouldn't feel like this is
a dirty secret.
Speaker 1 (23:17):
And the more that we are open about it, the
more women feel comfortable, the more we start playing the game.
Speaker 2 (23:24):
I think that's very very important.
Speaker 3 (23:26):
How do you feel about that?
Speaker 4 (23:27):
Oh, I don't like talking about money, Georgie, Absolutely no.
Speaker 3 (23:30):
I don't have a whole podcast on it.
Speaker 4 (23:32):
But I think it's so important because when women have
financial literacy, when women have money, women have power. And
when women have power, we aren't constrained and we rule
the world exactly like it's it's so funny because the
more power we get, the more uncomfortable we're making men.
I know, and they're the ones that are like, oh,
that's ill, that's gross. I've never met a woman who
(23:55):
is sure of herself that said what I do is wit.
I've never I've met men who go, oh, that's a
bit strange. Aren't you just milking that? A bit much. Yes, Queen,
Yes I am.
Speaker 3 (24:06):
That's kind of the point.
Speaker 4 (24:07):
It's kind of the point, but I think it's it's
so interesting as well. But at the same time, we
need to acknowledge that women do genuinely feel uncomfortable talking
about money. We can change that. But like you're putting
women who historically have been told don't talk about money,
that's ill, don't ask for a pay rise, don't talk
to your colleagues, And then you're adding things in like trauma,
(24:29):
what your money story was, so how you grew up
around money, like Georgie, if you grew up and you
didn't have a lot of money, you might feel sick
whenever the topic comes up. You might just you might
not know why that's happening, but you might get that
like little not in the bottom of your stomach that
goes you shouldn't be talking about this. Let's just move
the conversation because you're feeling uncomfortable, And I actually want
you to sit with that and ask yourself why, Like
(24:51):
why do you feel a little bit icky in this situation?
And that works for anything, right, Like ask yourself and
your body, like why am I having this response? Like
for me sometimes responses are fully visceral. I'm like, oh, like,
how am I feeling this? And I just I want
you to feel that, because the more you feel that,
the more you're able to change where you can go
(25:14):
and what that actually looks like. And then we're adding
things in like the gender pay gap and all of
the things that put women behind that for so long
we've been told it's just the way it is. No,
it's not, absolutely not, because when women have financial literacy,
women have power, and when women have power, we don't
need men great ten out of ten, like we don't
(25:36):
need it, Like, we just don't need it. And so
I think when we're talking about money, it's not icky,
it's not weird. I want to know how much you
paid for your card? Did you get a good deal?
Like how did you purchase it? Oh my god, tell
me about these things, because we should be opening the
conversation up. Let's talk about finance. Let's talk about your house,
like we also could be talking about these things without
(25:58):
putting a dollar sign on it and having productive conversation
like is it not helpful even if you don't own
a property right now and aren't in the position to
understand how that process works, like, I want to know, Hey, Victoria,
how did you purchase your first home? Okay, cool? I
saved up a deposit with my husband, and it was
one of the hardest things we ever did. We got
(26:20):
into our first home. Then okay, let's talk about my second. Okay, cool,
that one was easier because it's always the first step,
Like the first one hundred thousand dollars that you save
or invest is always going to be the hardest, because
after that stage you can leverage. Great, I've got some equity.
I'm going to buy another property. Great, I've got some
rental income. I can do this. Like, I want you
(26:43):
to have all of the tools and resources, Georgie, so
that there's no surprises along your journey. You might be
at the very start, you might be in oodles of debt.
I actually don't care. I think you deserve the same
level of financial literacy as someone with multiple millions like.
You deserve that, and I want to give that to
you because even if you're in debt and you start
(27:05):
getting out of debt, isn't it beautiful to know that
you're doing that for you and the second that debt's gone,
that's power. Let's calculate what that could look like in
an investment. Let's calculate what that could look like in
a home deposit to actually give you back the power.
But I think with social media, with everything that is
going on, we are in a position where we just
(27:28):
consistently feel like we are not enough. And as women,
we are hardwired to think that we always have to
do better and that the next person has it better.
The grass isn't greener, the grass is green where you
water it. You need to be focusing on you, not
on what somebody else is doing. But we can learn
from them along the way.
Speaker 1 (27:47):
And I think it's even simple things like I my
parents were very open about money and talking about it,
but there always was kind of that lack story and
it was kind of like, you know, oh, we're not
people that go to UNI, We're not people that.
Speaker 2 (28:03):
Invest in that sort of story.
Speaker 1 (28:05):
So when I started accumulating more wealth and being like, Okay,
well what do I do with.
Speaker 4 (28:11):
My mum, because like that's not part of the journey.
Speaker 1 (28:13):
Yeah, they like and they didn't, you know, they bought
property and I have followed somewhat in that, but I
was like, oh, I'm sure there's like other things I
can do, and so when I started looking into it,
it did feel very overwhelming and it felt like.
Speaker 4 (28:29):
Is this like a little secret for you?
Speaker 3 (28:31):
Yeah?
Speaker 2 (28:31):
Is this a little secret that everyone else knows that
I don't know?
Speaker 1 (28:34):
And so I've really found you know, your books and
your podcast so helpful because I'm like, oh, it's actually
so simple and like really simple stuff Like my first
couple of cars, I actually just like bought outright cash.
Speaker 4 (28:47):
And I did the same thing. And then I like really,
so you're like, actually, that's maybe not the smartest financial DECISIONY.
Speaker 1 (28:54):
Could have, you know, bought a couple of houses at
this point, but sure, and even like before the boom.
Speaker 4 (28:59):
But it also feels so good to do that.
Speaker 2 (29:02):
Yes right, and pay something out right and be like
I own this.
Speaker 4 (29:05):
I don't have dat.
Speaker 2 (29:07):
I was so scared of debt.
Speaker 3 (29:09):
Now I have lots of debt.
Speaker 1 (29:10):
And it was then being like, oh, I can actually
buy a car through my business, and then I can
have alone, and then I can then use that cash
for something else. Then I can leverage that, and then
I can use the equity in my first house and
all those things which I literally had no idea. And then,
especially as a woman in business, a woman with wealth.
(29:30):
But the first generation it had at the start felt
like so much pressure because it wasn't spoken about. So
I think it's so important to have people like you
and me be very open about it and.
Speaker 4 (29:44):
Be like, here's how it can work, and this is
how we've done it, and you'll give you the blue
cree this way exactly.
Speaker 1 (29:50):
You can, you know, figure it out, but here's how
I did it. And it doesn't have to feel so stressful,
and it doesn't have to feel like for me, sorry,
money used to.
Speaker 3 (29:59):
Feel a life or death situation.
Speaker 4 (30:01):
Yeah, like it used to feel so critical it is
at that stage.
Speaker 1 (30:06):
Yes, and that really disregulated me and made me kind
of make some very interesting decisions that now i'd probably
go back and do differently. But again, you don't know
what you don't know, and so that's why I think
it's what you needed, because that was.
Speaker 4 (30:19):
Part of your journey, right, Like I think we look
back and go, I wish I did that differently totally. Yeah,
But also what did you learn? Like, what did you
get out of that? Because Georgie, I think a very
big part of my money story is that way back
when I was working in psychology I got into forty
thousand dollars worth of consumer debt, personal loan credit card.
(30:41):
I was so good at it, it was like a game.
But that didn't serve me. And if I hid that,
because for a very long time, I was super embarrassed
of that, like oh my goodnurse, Like I did not
feel good about that. That doesn't serve other people. And
me sharing that part of my narrative, that part of
my journey. It's not because I'm super proud of it.
(31:03):
It's because I know that that helps you. And I
know that that's the reality. It's the reality of the situation.
And I got myself out of that. And if I
can do it, and I don't think I'm that smart,
if I can do it, I can absolutely teach you
to do it, and then you could do it, and
then you could teach your friends and family to do it,
and we could all be a lot more comfortable. Because
when money comes together with your vision and what you
(31:25):
want to create and you have alignment, there's so much
power there, like, let's do that. Let's marry those two things.
Because when I go back and look at that person
who got into forty thousand dollars worth of consumer debt.
She didn't know who she wanted to be. She was here, there, everywhere.
She was just trying to be someone that she wasn't
sure who that was and what that looked like. Now
(31:47):
I know, I'm like, oh, that's fine. I don't care
where my stuff's from. Sometimes I'm like, I just don't
need that level of validation. And that's what I was
searching for without knowing it.
Speaker 3 (32:00):
I even love what.
Speaker 1 (32:01):
You touched on about not feeling smart enough and not
feeling like good with money because of previous decisions. And
that's even why I am very intentional about talking about
money while being the manifesting girl on Instagram, because I'm like, no, babes,
the money isn't.
Speaker 2 (32:19):
Just for the Victoria's the Jack's over there. I can
be a super you.
Speaker 1 (32:25):
Know, we would talking about this off air, but like
the de Lulu girl on Instagram who goes off, who
is financially very savvy, who not only has the mindset
but has the financial advisor looks for, Okay, what do
I want to do with my money? Because I never
want women to think or if you're a bit we were,
(32:47):
or if you're a bit like a stay at home mum.
Speaker 4 (32:49):
Or you're creative, so therefore you can't be good at fine.
Speaker 1 (32:53):
Yah, you can't be good at money. And I think
it's really important to make everyone.
Speaker 4 (32:58):
Feel every mud at it right.
Speaker 1 (33:00):
With money, not just the you know, the women who
went to university exactly or feel like they have a place.
And that's why I think there's such a conversation for it,
because I'm like, no, you can absolutely be whoever you
want to be and still have a place at the
table to talk about money.
Speaker 4 (33:20):
Yeah, one hundred percent. And I think it's it's so
funny you say that because I had three Uni degrees
and still got into that forty thousand dollars worth of debt.
So it's got nothing to do with like your education,
it really doesn't. I compared it on the podcast a
little while ago, or on my podcast, sorry a little
while ago to going to France. So like, Georgie, if
I picked you up and we went to France tomorrow,
(33:42):
can you speak French? Probably not? We know, like a
few keywords like I could say bonjour, I could you know?
So we I know I want to order a panicial plant.
Like that's the limit of my knowledge, right, that's finance.
The longer we spend in France, the more we are
going to be comfortable with the language and we're going
to pick up things here and there. But if we're
(34:04):
not spending time in France, why would you know about it. Also,
it's not in our school system, it's not in our
university system. It is not your employer's job to educate
you on this thing. This is a topic that essentially,
if you don't have the education and you didn't seek
it out yourself, how would you know how to speak French.
You don't just wake up and know how to do it. Like,
(34:26):
it's not because you're not smart, it's because you just
don't have exposure. Let me give you exposure, because of
course you're going to speak terrible French if you've never
done it before. But that's why I made terrible financial
decisions that ultimately I judged myself on and I put
myself in the corner and was basically like, oh my goodness, like,
(34:47):
I'm the worst at money, I can't be trusted, I'm
never going to own my first home. And these are
all narratives that I was telling myself shift that I
got out of debt. Girl, you can too, like you
literally can. If I can, I promise you it's not
that hard being in debt and not being able to
quote be good at money. It's not forever. In fact,
(35:09):
it just means you spent more than you won't full stop,
end of story. Do you want to fix that? Let
me help you, And if we can get your mindset
and your energetics in alignment, it will feel so easy.
It'll feel like you were meant to be doing this
the whole time.
Speaker 3 (35:23):
And don't make it mean something.
Speaker 1 (35:25):
So just because you are in debt, it doesn't mean
you're bad with money one percent. You made previous choices,
but you can always make new choices.
Speaker 3 (35:32):
You can always be that new person.
Speaker 4 (35:33):
One hundred percent, and money does not define who you are.
Speaker 3 (35:38):
Like I do not the least interesting thing about you.
Speaker 4 (35:40):
I do not care if you're a billionaire or you're
in a billion dollars worth of debt. Are you kind?
Are you nice? Are you somebody that I would invite
around for having a little wine on the couch with
me and my husband. That's the type of person I
want to know. I don't care about your finances, but
I care about you as a person. So therefore, by extension,
I want you to be good money because I know
(36:01):
how good that can make you feel. I know how
much power that gives you. I want that for you absolutely,
and I really really do. But do I judge you
if you're in debt? No? No, Also, who has the
time for that. Nobody doing more than you is ever
going to think less of you, and you right now
probably think less of you because of that. Just put
that in the mid for that's a problem that yesterday
(36:23):
you had. Today we're just honoring the fact that I
am kind, I'm nice, I am exactly where I need
to be, and there must be something that I'm learning
from this journey of being in debt. Let's try and
embrace that side of it.
Speaker 3 (36:35):
Yeah, what's the lesson? Who do I want to be
moving for?
Speaker 4 (36:39):
Exactly? And sometimes you have to take like fifty steps
back to be able to take one hundred forward and
it doesn't feel good. But I promise there's a light
at the end of the tunnel.
Speaker 1 (36:48):
Yeah, And like, no one's journey is linear. It's no,
it's never gonna look like that. Like, I love that
you share that past version of you, because I think
it's very important people be like Oh okay, Victoria's it's
not perfect.
Speaker 3 (37:00):
Look what she's created.
Speaker 4 (37:01):
I can do it too, exactly. And if I don't
share that, how would we know that this stuff is
a reality exactly?
Speaker 3 (37:10):
All right?
Speaker 1 (37:10):
So in our previous podcast we did talk about budgeting
and property. I remember and I will link the previous podcast.
But also, I'm sure you have so much updated information
on your podcast, so we can.
Speaker 4 (37:20):
Just go if you want a budget, our friend, this
is not the episode. I have a free one on
my website. Go download it. You absolutely should do it.
Go listen to the other episode. Go listen to my podcast.
That's fantastic. We're just talking about the energies, the vibes,
that making sure we're on the right track. We're talking
about anisolu station, all of the funner stuff.
Speaker 3 (37:38):
Well not flu because now we're going to get into her.
Speaker 4 (37:40):
Right, take that back. So I'll make it fun. We'll
make it fun. Frame it.
Speaker 2 (37:47):
It's us, so it's going to be fun.
Speaker 1 (37:49):
So I loved your id reel where you said a
five dollars a day spend, which is eighteen hundred twenty
five a year, sorry, eight and twenty five dollars a year.
Five dollars a day invested is seventy thousand a year.
Investing in shares is something a lot of women want
to do, but they feel intimidated by. I love this
(38:10):
so much because I started investing in shares maybe three
years ago, and.
Speaker 4 (38:13):
I remember was starting and I was like, it's not
that hard. I promise, go and see an advisor, do this,
And I wanted to be your advisor so bad, but
I was like stepping out of being a financial advice.
You found a good one, You're okay. I did. I
found a good one, you found a good, great recommendation, And.
Speaker 1 (38:30):
So I felt so intimidated, and I think I also
had some weird stories. I remember my dad being like, oh,
my friend had you know, three hundred grand in stocks
and then like everything, yeah, and like the what's it
called the g Global financial crisis happened in eight everybody
lost everything. Yes, and so they're hairy though they ask yes,
(38:53):
and I'm like, that's around it. But I was always like, oh, shares,
that's it's too unpredictable, it's too volatile, but.
Speaker 4 (39:00):
How you got on today?
Speaker 1 (39:01):
Like oh wow, it's really I forget, and like I
just then I was like sometimes I'm like Oh yeah,
I've got all that money in shares, Like how cool.
I really want to talk about it, because again, I
feel like it's not something women like a global financial crisis.
Speaker 4 (39:15):
We could do a whole podcast on that. Let's not fine,
I'll do it. There, you do it and link it
to me. But yeah, let's talk about investing. Yeah, and
so we can get into it. Investing is so fliping sexy,
And the reason I love talking about it is it
is because it's so accessible, Like you can now today
(39:36):
invest for as little as one cent, Like you don't
need a lot of money to begin, You can buy
shares for as little as one cent, and that is
flipping cool vibe. Oh so cool. Because when I started
my financial advice like career, you couldn't do that. You
needed a minimum of at least five hundred dollars to start,
and for a lot of people that's their entire life savings,
and they're like, well, I'm not willing to put that in.
(39:57):
Whereas now you can start small and be considered to
zoom a little bit further out and touch on the
fact that you know your dad's brother's friend's dog said
that you know you'll lose everything look what happened to
the global financial crisis. Most people during the Global financial
crisis lost all of their money because they freaked out.
So during your lifetime, Georgie, you're going to see a
(40:19):
minimum of seven market dips. That is seven times that
your share portfolio is going to look so disgusting to
look at. You're going to look at it. And the
bigger your portfolio gets, the worse it feels. Because you're
going to log in one day and it will say
you've lost thousands of dollars. But that feels like trash,
right But at the end of the day, that's not
money you've lost. That is money that is still invested.
(40:42):
But right now, if you'd sold those shares, that's what
you would be accepting for it. We don't accept that.
We wait, we ride the wave back up, and we
consistently ride the wave. Because anybody in Australia who has
been invested in the Australian share market for a minimum
period of third years, Georgie hasn't ever lost money. Isn't
(41:04):
that wild to think about. So it's a long term game,
long term game, and in a social media world that
is very hard because they're so bad at wanting instant gratification,
Like if your video isn't engaging, I'm off it less
than one second.
Speaker 3 (41:18):
Gimme a good hook nut.
Speaker 4 (41:19):
No, no good hook see you buye no good looking food.
Off you go. But I think it's so important to
understand why these people lost money, not just oh, your
friend lost three hundred thousand dollars. Oh my goodness. I
would never do that, because that's where real wealth happens. Unfortunately,
we are in the middle of a cost of living crisis.
(41:40):
Inflation is crazy. If you just keep your money in
your savings account, Georgie, you are going to retire poorer
than you are today, and that is crazy to think about.
But you need to be investing to be able to
get past inflation, because otherwise the money that you have.
Let's pretend you have ten thousand dollars today in a
savings account and feels so safe and so secure. Give
(42:02):
it thirty years, maybe you still have ten thousand dollars
in your savings account. That's great, same amount of money.
You might have even contributed a little more savings, but
it now buys significantly less.
Speaker 3 (42:14):
A loaf of bread.
Speaker 4 (42:15):
Exactly like you look back and I know it it
is the most stereotypical example. But the loaf of bread, right,
like a good loaf of bread at the bakery around
the corner from me, seven or eight dollars at woollies,
you're still buying it for like two or three. Back
in my parents' days, it was sense. And that is
something we need to take into consideration because that's just
going to keep inflating. It's just going to keep going up.
(42:37):
It does go up consistently every single year. And that's
why we have things like the you know, the budget
that comes out from the government every year. But we
need to be beating that. So you need to be
in it to win it, Like you have to invest.
At the end of the day, you are putting yourself behind.
And it's not scary, it's not. It's as easy as
(42:58):
buying a new dress on the iconic and I'm like
really good at that, Georgie.
Speaker 2 (43:01):
I'm so like literally, I'm so good at online shopping.
Speaker 4 (43:05):
It's not funny, exactly exactly. And if you're good at
online shopping, you're good at investing in shares because it
is as easy as downloading an app and just buying
a few things. Hitting trade great it's not as hard
as you think it is. Mediocre middle aged white men
have made us think it is hard for a very
long time because they have wanted us to pay them
(43:25):
a lot of money to be able to access that,
or they've wanted to gate keep their information because they
just want to feel really smart. But it's not that deep.
Speaker 1 (43:34):
So if someone who doesn't they don't want to see
a financial advisor, they don't want to see the middle
aged white man, what do they do?
Speaker 4 (43:40):
They listen to Sheese on the Money, and then you'll
be fine, absolutely fine, perfect if you want to start investing,
first thing I would do is think about why. So
we need to get that mindset and those energetics on
the right page. So what do you want to achieve
from this? Are we looking for? Like future financial freedom?
Are we looking for you know, home deposit? What are
(44:01):
we doing? We're gonna get clear on that. Then we're
gonna go, all right, what kind of platform do I want?
Am I gonna download an app like share Z's, which
is just like an app you can have on your phone,
gives you kind of not trying to pitch them, but
like talking about it, but gives you access to like
the US share market, Australia and New Zealand, and you
can trade for like one cent or do you think
(44:22):
you're like a full trader and you need something more
complex and you're looking at a platform maybe like self Wealth,
but that is a minimum of five hundred dollars to
be able to invest in, and like it doesn't have
a user friendly app, but like you might feel like
it's a little bit more technical, So like what are
we looking for? Pick your app and then we can
start talking about the type of investment.
Speaker 1 (44:41):
You still use an app like Chaze even if you
want to be investing thousands of dollars or you would
recommend going to the other app.
Speaker 4 (44:47):
Nope, Nope, shar Z's works exactly the same if you
have one cent or fifty million dollars, like their entire app,
and like my money is on chare Za's. I like
the experience. It's a legitimate investing platform, and it's so
pretty Georgie, Like it's just a pretty app.
Speaker 3 (45:06):
Language, it's a pretty.
Speaker 4 (45:06):
App, and they have AI building so that you can
like you can look up a I feel like this
is a pitch not being paid for them or buy
them for this podcast. I'm gonna call them up and
be like, hey, you're getting the best call out here.
But they literally have this like AI search. I don't
think that's what they call it, but like you can
type in what you're looking for, like I want an
(45:28):
ETF that's like all women or something, or I want
ethical ETF made up of tech companies and it will
like find that for you. Love isn't that cool? So
if you're like, oh, I've been thinking about this, maybe
I want to do a little bit of research. Like
it's so easy these days and that doesn't cost you anything.
So for me, having an app that makes the experience
(45:49):
easier so much better. That's why the iconic works, Right,
They've got all of these different retailers together, so I
can add a whole heap of things to my cart
check out smooth process. To be honest, Georgie, if you
made me go to like all of the other websites
and buy those dresses individually, maybe I'd still get one.
But like, I can't be bothered with the whole process.
Speaker 3 (46:07):
You're paying like all different shipping. I don't know too hard.
Speaker 4 (46:11):
Yeah, So I think it's important to have a process
that works for you, that feels smooth and feels like
you can commit to and then we can start picking
what you invest in, and that's completely up to you.
Like you could invest in direct shares, but for me
and for the she's on the money community, most of
them are looking at ETFs so exchange traded funds, which
(46:32):
are basically big buckets of pre selected shares that some
really smart, usually mediocre, middle aged white man has hicked.
Or it might be the top two hundred companies in
Australia because do you know what when it comes to investing, yes,
I'm aggressive. I want you to do this so bad,
but the second you get there, let's make it really boring. Georgie,
(46:54):
I don't want to be like personally, I don't want
to be taking massive risks with my money. No, I
just want consistent returns so that like I retire so wealthy,
I don't have to think about things. That's my plan.
So you're investing portfolio. We're not looking for the biggest
next thing. We're not looking for crypto. We're not looking
for like, oh, the tech companies that have performed the best.
(47:16):
I get it.
Speaker 3 (47:18):
What do you think of crypto?
Speaker 4 (47:20):
I'm a negative on the crypto side. Of things because
of my community. So I've obviously heard a lot of
negative stories. But on the flip side, why would I
want to invest in something that, yeah, there's like maybe
some significant upside, but it has such significant risk. But
(47:40):
I know I could achieve wealth pretty dependently, almost guaranteed
in the share market. Why would I take your money,
Georgie and take the biggest risk on purchasing an asset
that has no base? Right, Like, if we look at
crypto versus like giving gambling, yeah, it's giving gambling. But
like if we look at crypto versus a bank, let's
(48:02):
pretend it's NAB. So we've got crypto and NAB. NAB
is a legitimate business with lots of locations around Australia.
Our economy is held up by parts of NAB. If
they disappeared tomorrow, they can't, right, they have staff, they
have you know, consistent dividends that they've paid out to people.
Crypto who owns that. Where's their store? Where is the
(48:22):
actual bricks and mortar building that is sustaining that? Could
it disappear overnight? Absolutely it could? And crypto coins have
so they've just disappeared out of the market completely and
whose responsibility is at nobody's because they can do that.
So you're telling me that I could invest in crypto
and have all of that risk, or I could invest
(48:43):
in NAB, which do you know what. Let's pretend and
they're not going to like me for saying this, but
let's pretend the worst controversy happens inside NAB and all
of a sudden their share price completely plummets. At the
end of the day, Georgie, they're so integral to our
economy and to the banking of so many in Australians. Yep,
might have affected their share price. Smart people are going
(49:05):
to buy it while it's completely back up, and then
it's going to go back up. Yeah, Like, is crypto
going to do the same thing? No, it has never
shown us that. Yes, bitcoin has, so like bitcoin as
a coin on its own has and ethereum has done
something similar. But like, that's too out of thousands, if
not hundreds of thousands of different crypto options. For me,
(49:29):
I am conservative but aggressive, so most of my money
is in shares, but pretty conservative when we're picking boring
things because like girl, I just want to retire comfortably
and live my dream life. I'm not here. I don't
want to think the next best thing, but I'm just
not you can do that. But like, why would you
risk it.
Speaker 1 (49:48):
Especially if you're a beginner, especially if you're just getting
into the market, especially if you've never even doubled your toes.
Speaker 2 (49:57):
I think, Yeah, why.
Speaker 4 (49:58):
Would you be more comfortable with crypto over the share market?
You need to ask yourself that, and usually it is
because of the herd mentality. You've seen so many people
online get involved in crypto, So somehow, because you've seen
that role modeled, you feel safer with it. Whereas not
that many people are bragging about their share portfolio. That's
just consistent. That doesn't make a good news story. So
(50:20):
you need to ask yourself why you would take such
more significant risk over something that's tried and true. Right,
How bold you about it?
Speaker 3 (50:28):
I love that again? Mindset?
Speaker 4 (50:30):
Yeah?
Speaker 1 (50:31):
Okay, So, like I said, since the seven, it's all
about getting everything you want in life in business and
from your financial perspective, what are the non negotiable someone
should get right if they want to create financial freedom
to have everything they desire in life in business, this
(50:51):
dream life that me and you are both on the road.
Speaker 4 (50:54):
Yeah, So first is mindset. You need to get your
mindset straight, because if you do not think you deserve this,
it is not going to happen. We need to step
into no, I'm worth this, No I deserve this. I
am worth everything that I'm putting into me. Women consistently
undervalue themselves put themselves last. Caring about your finances is
(51:16):
making sure that that cup is bigger so that it
is always overflowing, as opposed to always working off empty
like we always talk about not being able to pour
from an empty cup. Girl, finances is going to build
the cup and plug all the holes and make sure
that it holds everything in right. Then, once we're clean
and clear on our mindset goes back to boring cash
(51:36):
flow Georgie, I guarantee most now listening, Yep, you have
to know. If they're not sexy, it's not fun. Most
people would be able to tell me how many dollars
come into their bank account because they know what their
pay slips are, Georgie, how many dollars leave? Where are
they going? What are they doing? I want you to
know four numbers. What do you earn, what do you spend,
(51:56):
what do you own? And what do you owe? Even
if that is astronomical amounts of o wing because same girlfriend, Like,
I am mortgaged up to the hilt and I regret nothing. Yeah,
but like I want to know where I am because
that's like a plot on a graph, and we can
plot ourselves and work out where we want to go
and what that looks like. The second thing I want
(52:17):
you to focus on is your foundations. Do you have
an emergency fund? Do you have fifty one hundred, maybe
it's five thousand, I don't care, But do you have
some cash sitting to the side that will help you
get out of any situation you don't want to be in?
Is it a bill that's just popped up and you're like,
oh my goodness, I totally forgot about this. Is it,
(52:39):
you know, flying back from Melbourne because you're stuck with
Victoria here and you want to go home to.
Speaker 3 (52:44):
The Gold Coast, get me home.
Speaker 4 (52:46):
But like, you have that power to just go I'm leaving.
So many people don't have that, Georgie. They can't leave
a situation they don't want to be in, and that
is power. We're not talking about tomorrow becoming a millionaire.
We're talking about giving ourselves the financial freedom we deserve,
and that is about giving ourselves choices. The next thing
I want you to do is automate. I want you
(53:06):
to automate your savings. I want you to automate your
bill payments. I want you to automate a transfer to
your investing account. Because those who have wealth, and you
would know this now, George, they are the ones that
pay themselves first. They set up their accounts. They are
paying their mortgage, they are paying their savings, they are
paying their debt, they are paying everything off to begin with.
(53:28):
They are investing, and then they're playing with the rest. Yeah,
people who look rich but are not rich are playing
with all of their money and then paying everything second
and not caring about it enough, so they're not creating
and building wealth. Wealth is not visible. It's so unsexy,
Like no one can see your investment portfolio, Georgie. They can't.
Speaker 3 (53:50):
It's sexy.
Speaker 4 (53:51):
They can see that. Oh, they can see your car,
they can see your houses, and that's fantastic. But for
lots of people, not you, but for lots of people,
those visible things are actually one hundred percent debt. Like
the cars on finance, they're really struggling with their mortgage
they're going home every night and fighting with their partner
over how they're going to make those payments. Your financial
(54:12):
freedom isn't coming from having the shiny things that everyone
can see. It's coming from your investment portfolio. The fact
that your property portfolio, I'm assuming, is generating income to
pay those More like, it's about strategy. No one can
see that, so we need to get that started. And
the best way to get that strategy started is automation.
And then we're just going to give it.
Speaker 3 (54:32):
I have to think about it, stunt.
Speaker 4 (54:33):
No, why would you think about it if you do
not have to, It's not fun.
Speaker 3 (54:37):
I also love it too, because I love automation. Sorry
to interrupt.
Speaker 1 (54:41):
Because when I have that money in the bank that
I've paid everything off, the mortgages are paid, the you know,
everything's gone into investments, so I know the set amount
of money that I can play with, and so when
I spend money, there is not no guilt. There is like,
you know, people are you know, if I will go
buy something special for my thirty eth or yeah, something
(55:03):
like that, and people like, oh, you're just wasting money.
Speaker 2 (55:05):
I'm like, no, I know exactly how much.
Speaker 4 (55:09):
Money and even if it was, and I literally printed
this money out and set fire to it. Wouldn't matter,
would it matter?
Speaker 3 (55:17):
It's not your problem?
Speaker 4 (55:18):
Yeah, Also, why are you so worrying?
Speaker 3 (55:20):
Jack?
Speaker 4 (55:21):
Exactly? So, I think it's so important to remember that unfortunately,
wealth it's not visible. It's really hard to see those
people who are financially successful. And in a world where girl,
I saw so many influencers in my financial advice career
that were up to their eyeballs in debt because they
were keeping up with the Kardashians. Yes, like, it's just
(55:44):
don't follow that. In fact, operate as a default. If
that influencer isn't talking about money, isn't talking about wealth,
they're probably not that comfortable with it. And do you
know why they're not that comfortable with it, because they're
not focusing on it. And if they're not focusing on it,
but they've got the car, they've got the clothes, they've
got the house, I've got everything, it's probably a little
bit sticky. Like, operate under that assumption, even though it
(56:06):
is not nice, because it will change your mindset to
caring more about yourself.
Speaker 2 (56:12):
That's even like just a quick little story and there.
Speaker 1 (56:14):
I remember when I was about twenty five, and I
was just kind of starting in the influencer game, and yeah,
I was getting paid extreme soone you know.
Speaker 4 (56:23):
Like I stream amounts of money in comparison to what
you were before.
Speaker 2 (56:27):
Yeah, when I was like a clerk, it was wild.
Speaker 1 (56:29):
And I remember being at an influencer event and a
younger influencer, big YouTuber who I knew how much she
was getting paid to certain sponsorships, and I was like,
holy wow. And I was just telling her how we
had bought our you know, first house, so I was
at that age.
Speaker 2 (56:48):
And she was like, oh my gosh, like how did
you afford it? And I literally reached.
Speaker 1 (56:53):
Over the table because she had like a whole bunch
of Cardia rings on, she had you know, her sign
a bag and everything, and I was like, paid because
I don't buy those things.
Speaker 2 (57:02):
Yeah, and I that's what I know.
Speaker 1 (57:04):
I can look at your hand right now, I can
look at your house to posit, and that is a
house to posit.
Speaker 4 (57:08):
Don't get us wrong, Like we're sitting here probably yeah,
like I deposits on our wrists right now.
Speaker 3 (57:13):
Absolutely.
Speaker 4 (57:13):
The reason we are able to do that is because
we put our well first.
Speaker 1 (57:17):
Well first. The same stuff playing first, Yes, lady said
to her, even though I think she's only twenty one,
even though you're twenty one, trust me, babe, Like, who
knows how long this career is going.
Speaker 4 (57:30):
To You never know?
Speaker 3 (57:31):
Do you never know?
Speaker 1 (57:32):
And so I just said to her, like, set yourself
up and then when you play with your money, you're
going to feel like so good when you spend it,
when you buy that cuddier whatever.
Speaker 4 (57:43):
It's become something that means something as opposed to a
status symbol.
Speaker 1 (57:47):
Yes, and look, I'm not like, yeah, who knows what
happened there, But I remember having that conversation and seeing
the world and being like wow, they And also she
probably didn't have the education. No, she didn't have the
role modelate like she I could tell when I told
her that she was like me by a house at
(58:08):
twenty one, Like.
Speaker 4 (58:09):
What, Yeah, you could could come and see me and
I will do it for you.
Speaker 1 (58:13):
Like it's really easy, toss me just get people to
do it exactly.
Speaker 3 (58:18):
And well, that's even why.
Speaker 1 (58:19):
I have a financial advisor, because I honestly hate numbers.
I find it boring. I find the budgets boring. But
it is so I'll tell you what you need, I'll
tell me what to do, I'll do it, go do
that and that and then.
Speaker 4 (58:31):
My random space exactly, and then can you please help
me with my mindset?
Speaker 3 (58:35):
Great?
Speaker 4 (58:35):
Thanks, You've got.
Speaker 3 (58:36):
Us both exactly.
Speaker 1 (58:38):
Victoria, thank you so much for coming on show. It
has been such a delight. You are such a wealth
of knowledge, and like I said at the start, I
just love that you aus have such a holistic view
and you are such a empowering role model for women
with money, with going after what they want, with living
(58:59):
their dream life. But you actually you give them the steps,
you give them, you know the tools, and it's so
so neated.
Speaker 3 (59:07):
So thank you so much.
Speaker 4 (59:08):
Thank you, and right back at you. I feel like
this little collaboration is one that needs to grow. I
know you can do the mindset stuff. I want to
play there too, but like I'll get the strategy, I'll
do the strategy.
Speaker 3 (59:19):
We the masculine, we need the feminish.
Speaker 4 (59:20):
Yeah, with a ying to the yang is yea perfect
Thank you for having me a pasure as always, and.
Speaker 1 (59:25):
Of course I will link everything that Victoria has to offer.
Speaker 3 (59:28):
In the show.
Speaker 4 (59:28):
Not I was just happy to be here, to.
Speaker 1 (59:30):
Be honest, but also guys like if you're like getting
those moments, those are har moments where you're like, fuck,
I can.
Speaker 2 (59:36):
Actually I can be in the do this, I can
be at the big boys table.
Speaker 4 (59:40):
That hard.
Speaker 3 (59:41):
Honestly, it's not hard.
Speaker 4 (59:42):
If we can do it, you can do it, I know.
And like we've just got folded up chairs. You bring one,
we'll all sit at the same table and we'll just
get stuff done.
Speaker 1 (59:49):
Well, we will absolutely all right, my love, thank you
so much coming on the show. If you did love
this episode, please take a screenshot, put on your stories,
share it with a girl, our friend, share it with
your mum, sister.
Speaker 3 (01:00:02):
Really appreciate it.
Speaker 1 (01:00:03):
This is an independent podcast and the reason that we
can keep giving you this beautiful free content is because
you guys share.
Speaker 3 (01:00:12):
It and we have listens and downloads. So appreciate you
more than you know.
Speaker 1 (01:00:16):
If you do that, Thank you so much for listening,
and I will chat to you in the next episode.
Speaker 3 (01:00:21):
Bye.
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