The Broke Generation (Emma Edwards)

In this episode I'm joined by Rachel Service, author of There Has To Be More and CEO of Happiness Concierge. Recently I engaged Rachel to help me structure and develop a speech for a public speaking engagement, and help me overcome an intense fear I'd developed around presenting.

Highlights:

• Finding your own style of public speaking and presenting
• Developing an audience-first mindset
• Getting comfortable with nerves and reframing your feelings
• Understanding your own style and letting go of perfection
• Delivering talks and presentations with warmth and personality
• Different types of public speaking, from presentations to meetings

Where to find Rachel:

Instagram: @therachelservice

Book: There Has To Be More

Website: https://www.rachelservice.com/

Where to find me:

Instagram: @the.brokegeneration

Blog: The Broke Generation | Destination for Hot Mess Millennials

See omnystudio.com/listener for privacy information.

In this episode I'm joined by Hannah English, author of Your Best Skin, to break down the complex topic of skincare and whether or not you need to break the bank to get that glow. Spoiler alert: you don't.

Highlights:

• Does paying more really mean a better product?
• Do we REALLY need to buy the fancy SPFs? 
• How we can spend smarter on skincare by schooling up on ingredients
• What the heck is the deal with pricey LED masks and do the cheap ones work?!
• How to look after your skin without spending a fortune
• Best budget skincare hard-hitters
• Best boujie hard-hitters 

Where to find Hannah:

Instagram: @ms_hannah_e

TikTok: @ms_hannah_e

Website: hannahenglish.com.au

Mentioned in this episode:

Hannah's book Your Best Skin: https://www.booktopia.com.au/your-best-skin-hannah-english/book/9781743797693.html?source=pla&gclid=Cj0KCQjwy5maBhDdARIsAMxrkw39DtvpqreukIMPbYNEO8xwjdMl_BHefJzhb9tvAtg7bAKoRsgneBUaAhedEALw_wcB

The ultimate LED mask comparison: https://goalstogetglowing.com/2021/01/17/deep-dive-into-led-masks-and-low-level-light-therapy-lllt/

Where to find me:

Instagram: @the.brokegeneration

Blog: The Broke Generation | Destination for Hot Mess Millennials

See omnystudio.com/listener for privacy information.

In this episode, V and I talk about the importance of planning and being intentional, whether in your day to day, or your wider life.

Highlights:

• The significance of popping out unplanned and the consequences on your bank account
• Unplanned spending and leaking money
• Making big life decisions without a plan
• The importance of a plan A, B and even C
• Understanding your tolerance for risky decisions

With thanks to our sponsors, Wallace Advocates and Lending Solved.

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See omnystudio.com/listener for privacy information.

Identifying and healing your money wounds with Karen Eley

In both personal and professional spheres, "Money Wounds" presents as an inescapable encounter. The pursuit of financial stability and success often comes with its fair share of challenges and setbacks that tend to trigger our dormant money wounds. Whether big or small, these wounds can manifest in various ways, causing us to feel shame about money, perceive it as psychologically unsafe, avoid financial discussions, and struggle to act rationally in money-related situations. Most of our money wounds, emotions, energies, and behaviour patterns are shaped during our formative years, and addressing and working through them often involves going back to the past.

In this episode, Karen Eley, an ex-financial advisor turned coach, shares more about money wounds, money and identity, and how to build a positive money mindset, rituals, habits, and behaviours. Whether you want to get better at your numbers game, money management, budgeting, or saving, creating a safe space internally and externally to speak about money and work on your money wounds will help you transform your relationship with money. 

Tune in!

Episode Highlights:

• [00:01] Episode intro and what’s in for you today
• [02:41] A bit about Karen and what she does as a money coach
• [05:14] Money wounds and how they present themselves in our financial path
• [09:37] Practical example of little ts money wounds and how they impact our behavior
• [13:20] How the money wounds are created, and patterns are reinforced in children
• [14:53] How to support and encourage people to start healing money wound 
• [18:30] What to do to uncover and heal money when your memory is blurry
• [22:08] Self-awareness and three pillars to help you overcome money wound
• [26:46] How to approach your money mindset work with consistency  
• [29:12] How stressful events can trigger dormant wounds and how to create a better outcome
• [30:53] How money gets intertwined with our identity and self-worth 
• [35:19] The role of financial psychology in financial and emotional literacy 
• [43:39] Little things you can do to build new money rituals, habits, and behaviors
• [47:36] How to reach out and connect with Karen

Standout Quotes:

• “As children we are not different as humans to any other animal species, we are born and we know in order to survive we need to model what our parents do and take on those habits on ourselves.”- Karen [15:36]
• “Creating a safe space for money to be talked about is significant for a lot of people’s experience.’- Emma [20:134]
• “If you don’t want to feel guilty about money anymore, you need to think about what you want to feel instead and train your body to feel that, this is like a muscle that you need to develop and work on.” - Karen [23:20]
• “The way we are and how we feel about money is a mirror reflection of how we truly feel deep down about ourselves; money is like a mirror that reflects what we truly believe deep down about ourselves. ”- Karen [31:00]
• “Don’t let the simplicity of the process diminish the effectiveness of what the outcome and the results are. ”- Karen [47:10]

Resources Mentioned 

Atomic Habits James Clear: https://www.booksamillion.com/p/Atomic-Habits/James-Clear/9780735211292Stay Connected

Karen Eley

Website: https://www.womentalkingfinance.com.au/

LinkedIn:https://www.linkedin.com/in/karen-eley-95523324/

Instagram: https://www.instagram.com/women.talking.finance/

Wanna support the show?! Here's how

• Leave a review on Apple Podcasts
• Share the episode to your social media and tell me what you loved
• Buy me a Coffee

See omnystudio.com/listener for privacy information.

This week we're kicking off with part 1 of a 2 parter about a huuuge topic: confidence. We’re getting into the nitty-gritty of self-love and confidence, which are sneaky aspects of our lives that impact making financial decisions.

No one is scrutinising us as much as we do ourselves, and it’s human nature (and conditioning) to think that a shiny new thing, like an outfit, makeup or even a diet program, will sort out all our insecurities. Fortunately, the best fix is free and usually what we actually need is a shift from seeking external validation to cultivating internal confidence. Listen in to find out how you can make that shift both online and offline, and how you can also be a positive force to those around you!

Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved.

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See omnystudio.com/listener for privacy information.

Where to find me:

Instagram: @the.brokegeneration

Blog: The Broke Generation | Destination for Hot Mess Millennials

See omnystudio.com/listener for privacy information.

Welcome to the annual end of year guided money reflection! Settle in with a cuppa, a notebook, and an open mind, and get ready to reflect on 2024. By looking back on what the year has held for our finances, we're able to set better goals for 2025 by meeting ourselves where we're at, doing more of what's working and less of what's not. Plus, by zooming out and looking at what this chapter of our money story has included, we can approach 2025 from the position of writing a better chapter than the last, while embracing the lessons learned from the year just gone. 

If you want more reflections and support extracting your key goals for 2025, grab access to my annual Reflect & Reset two part workshop. Part 1 was delivered live earlier this month but you can still grab the replay, and part 2 will be delivered on-demand to your inbox on January 6th 2025, for you to devour whenever you're ready to kick off the year.

Tickets here: https://thebrokegeneration.com/product/reflect-reset-2024/

Also mentioned in this episode:

• Flip the Script: Reclaim Your Power Over Money & Productivity event with Sophie Cliff: https://www.eventbrite.com/e/flip-the-script-reclaim-your-power-over-money-productivity-tickets-1111285026429?aff=oddtdtcreator
• Good With Money Launch Event: https://www.eventbrite.com/e/book-launch-good-with-money-tickets-1112444364039

Order my book, Good with Money: https://amzn.to/4eLOi5x 

UK Preorder competition: win a Dyson Airwrap! https://www.johnmurraypress.co.uk/landing-page/good-with-money-pre-order-competition/ 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Have you found yourself in a spending hamster wheel? Stuck in a cycle that seems impossible to break, with an urge to spend money, even when it doesn't align with your goals? This solo episode I’m breaking down the cycle, showing you how to identify what motivates your spending, and understand the emotional needs behind the spending. I’m sharing my own experiences of being stuck in this cycle and feeling like my financial outcomes were out of my control. I've learned to step off that hamster wheel and take control of my financial behaviour. This process involves identifying the motivator behind my spending, understanding the needs I’m trying to meet, and redirecting my behaviour in healthier ways. Rather than just focusing on cutting spending, it's essential to treat the underlying causes of your financial behaviour. By breaking the cycle and reprogramming your responses, you can achieve better financial outcomes and build self-trust. It's not about avoiding spending altogether but making conscious and empowered financial decisions. 

Episode highlights:

• Understanding the spending hamster wheel, and the steps you can take to break it
• Uncover the underlying emotional needs driving your spending behaviour.
• How to redirect your energy and behaviour toward more productive alternatives.
• Building self-trust by consciously practising new spending behaviours and making mindful choices.

I want you to think about the need that you try and meet when you spend money. Is it an emotion that you are trying to soothe? Is it a feeling you're trying to obtain? Is it about control?
Emma [16:52]

If you could buy who you wish you were, if you could buy your way out of low self esteem, then we wouldn't be here working through this.
Emma [26:57]

You can have peace from your spending decisions. You can feel truly in control, not just a perceived sense of control.
Emma [32:23]

Learning how to spend money is not something that we're taught, and it's not something that's covered often in personal finances until you meet me.
Emma [35:17]

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Interested in joining the next Midseason Wardrobe Pause? Sign up here: thebrokegeneration.com/the-midseason-wardrobe-pause 

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Part 2 of the annual year in review is here - tune in to hear what went down in my life, money and business in July - December, and how I'm feeling as the year draws to a close.

Mentioned in this episode:

• Flip the Script: Reclaim Your Power Over Money & Productivity event with Sophie Cliff: https://www.eventbrite.com/e/flip-the-script-reclaim-your-power-over-money-productivity-tickets-1111285026429?aff=oddtdtcreator
• Good With Money Launch Event: https://www.eventbrite.com/e/book-launch-good-with-money-tickets-1112444364039

Order my book, Good with Money: https://amzn.to/4eLOi5x 

UK Preorder competition: win a Dyson Airwrap! https://www.johnmurraypress.co.uk/landing-page/good-with-money-pre-order-competition/ 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this episode I dive into how to overcome emotional spending, break spending cycles and start feeling more in control of your financial decisions. Highlights:

• Signs you might be emotionally spending, and what this means for you
• Regret analysis exercise
• Links to childhood or adolescent experiences
• How to reprogram your default financial behaviours into more positive ones
• The difference between emotional spending and healthy spending
• Learning how to spend in a healthy way and why this changes the game for our finances.

Mentioned in this episode: The Feel Good Finance Workbook. Grab your copy for $27 with code PODCAST: https://thebrokegeneration.com/product/feel-good-finance-guide/

Where to find me:

Instagram: @the.brokegeneration

Blog: The Broke Generation | Destination for Hot Mess Millennials

See omnystudio.com/listener for privacy information.

Ever wish you could do a quick return on investment calculation on that roomier flight ticket you’re eyeing off? It turns out, you kinda can! In this episode, I’m exploring the concept of Return on Investment (ROI) beyond its traditional business context, applying it to personal finance and everyday life. By adopting an ROI mindset, you can build financial confidence, wellness, and a positive relationship with your money. We'll dive into six key areas: spending, savings, debt, time, career, and self-investment. By making informed decisions tailored to your individual values and goals you can maximise those returns, regardless of whether they’re financial, lifestyle, or emotional. 

Thanks for investing your time listening to this episode and don't forget to give the ROI mindset a red hot go, and let me know what changes you're making over on socials!

Episode highlights:

• Good debt or bad debt? Evaluating the ROI of debt can reveal whether it leads to valuable financial or lifestyle improvements.
• Treating time as a currency allows you to make decisions that maximise your personal and professional returns.
• Viewing yourself as an asset and investing in personal growth, skills, and well-being can yield significant long-term returns, enriching your life and career.

“Cultivating an ROI mindset allows you to assess how you are evolving and how you can evolve your financial behaviour to keep up with that evolution"
Emma [05:06]

“Having this transactional view of what am I putting in and what am I getting out can be really beneficial in helping you reclaim the decisions that you're making."
Emma [20:19]

“You are your own investment vehicle, baby. You can get yourself up and get stuff out of you that enriches your life."
Emma [27:14]

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this episode, we're diving deep into goal setting in a way you might not have considered before. We'll be looking at what goes into setting goals, how goals actually work, and why it actually doesn't matter if you achieve them or not. The simple presence of having goals can be enough to change your behaviour for the better.

Highlights:

• The incomes vs outputs method of building conscious action
• The magical blend of conscious and subconscious action towards a goal
• The actual function of goals in changing behaviour
• Factors that determine the likelihood of achieving a goal
• The relationship between goals and behaviour change
• Why achieving your goals isn't necessarily about hitting the nail on the head
• How to strategically use goals to improve your finances and your life
• Changing the way we see the role of goals

Episodes mentioned in this episode:

How to change your financial behaviour according to science

Can you really manifest money? With Kira Mathews 

Also mentioned in this episode:

Reflect & Reset workshop – purchase the recordings now

Where to find The Broke Generation

Website: https://thebrokegeneration.com/

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

It’s 2024, and I’ve set 24 goals for myself, my finances, and my business. From spontaneous trips to doubling my podcast listenership, these goals reflect a mix of building on past achievements and future growth. Balancing bold targets, such as running a live event, with practical steps like monthly business strategy reviews, I'm determined to make 2024 a transformative year. Join me on this journey and share your 2024 goals too! Plus, if you fancy leaving a podcast review on Apple Podcasts or a star rating on Spotify, you'd be helping me kick off one of my goals!

Episode highlights:

• Reflecting on the achievements of last year's goals,
• The impact of having a list of goals, emphasising accountability and self-reflection,
• Building routines, with the intention to develop more structured habits in my daily life,
• Striving for balance in personal and professional life, with specific goals related to financial and business aspects,
• The value of interconnected goals, where working towards one, actually helps another goal too!

“So I feel like I've gone from a year of experimentation… and now I want to like, refine that and sort of lay down some patterns using that data."
Emma [10:57]

“I'm sort of getting into that mindset of working three months ahead of myself in terms of what I'm planning to do, so that I can think about plotting out those times I want to take off ahead of time rather than trying to take it off in the moment"
Emma [27:43]

“If I can give anybody any advice in terms of, like I guess, mental health and finding your passions and things like that and like finding yourself, it's find things to be proud of that aren't work."
Emma [46:32]

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Pre-order my book, Good with Money! Out February 27th 2024 

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Welcome to the Master Your Style, Master Your Spending mini series, celebrating our upcoming Melbourne event this May, hosted by me, Emma Edwards, and my cohost and stylist, Maddy Forster. In this episode we're starting off in your wardrobe, exploring what we can learn from the things we already have. From what to do with those items you don't wear but can't let go of, to what we can learn from the things we do and don't feel good in, you'll leave this ep hungry to go and get stuck into your wardrobe and audit your clothes.

Get your event tickets here: https://www.trybooking.com/events/landing/1379832?embed

Join the Wardrobe Project waitlist here: https://mailchi.mp/7dbdeba873ab/atq5ho25bz

Download Carted and start your wishlist today: https://www.carted.com/

Where to find Maddy:

Instagram: @_madaboutfashion

TikTok: @madaboutfashion

Website: www.mad-aboutfashion.com.au

Where to find Emma:

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this episode, I explore the idea of "quiet quitting" beyond the workplace and how it applies to our consumption habits. Inspired by a recent newsletter on stepping back from the beauty hamster wheel, can a change in mindset help us break free from the cycle of overconsumption and superficial self-care? I share practical strategies for assessing what genuinely adds value to our lives, like simplifying beauty routines and scrutinising our purchases. From questioning the necessity of trendy beauty treatments to evaluating convenience-driven consumption, I show how adopting a quiet quitting attitude has empowered me to make more intentional choices, and you can too! 

Episode highlights:

• Practical tips on simplifying beauty routines and scrutinising purchases.
• How convenience-driven consumption impacts spending.
• Actionable strategies for making better choices about consumption.

“I was able to identify that the thing compelling me to pay for that, or to consider getting that treatment, was because I felt pressure that everybody else was."
Emma [12:26]

“All of these things are priming us to become these convenience seeking consumers like it doesn't serve us."
Emma [20:08]

“Is this really expressing myself? …Can I really see beyond this one decision and really can I really make sense of what I'm actually trying to do with this consumption decision."
Emma [25:38]

Book mentioned: Indistractable by Nir Eyal

Follow for help with your fashion footprint: curatedwardrobe.au

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this episode I'm taking you through some advice I use in my Wardrobe Project behaviour change program about how to break the habit of buying your confidence on a rack. I spent years outsourcing my confidence and my identity to consumption, most notably clothing consumption, and it not only drained my bank account, but kept me stuck in a cycle of never being good enough. I'll take you through 14 things, from practical tips to mindset shifts, to help you embrace confidence outside of consumption.

Mentioned in this episode: 

• Christine Buzan: https://www.instagram.com/thechristinebuzan/
• Join the waitlist to be the first to know when the next round of The Wardrobe Project is enrolling: https://mailchi.mp/7dbdeba873ab/atq5ho25bz

Order my book, Good with Money: 

Australia: https://amzn.to/4eLOi5x 

UK: https://www.amazon.co.uk/Good-Money-Reprogramme-Spending-Control/

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe

See omnystudio.com/listener for privacy information.

In this episode, I sit down with Jessie Leong, known as howifundthis on Instagram, to explore a common yet often overlooked financial struggle - money anxiety and the fear of spending. We discuss the challenges of hoarding money for security and how it affects those who identify more as savers rather than spenders. Jessie shares her personal journey, from growing up with the mindset of saving for a rainy day to grappling with the discomfort of parting with money. Together, we break down how to build a healthier, more balanced relationship with money, allowing for financial freedom without fear, shame, or anxiety.

Episode highlights:

• Strategies to overcome money anxiety and scarcity mindset.
• The emotional challenges of being a natural saver.
• How to find balance between saving and spending.

Where to find Jessie

Website: https://howifundthis.com/
Instagram: https://www.instagram.com/howifundthis

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this week's episode I'm joined by author of Kids Ain't Cheap, Ana Kresina. Ana joins us to talk about the realities of managing your finances as a parent, how we can prepare if we're planning to have children, and how it can change the way we think about money as a whole.

Highlights: 

• addressing our fears around the financial aspect of having children, and unpacking where that comes from and how to manage it
• the multifaceted cost of having kids
• preparing our finances ahead of having children
• navigating time out of the workforce, and the the gender pay gap and super gap
• our generation is doing things differently, and we're parenting differently too

Where to find Ana:

Book: Kids Ain't Cheap: https://www.amazon.com.au/Kids-Aint-Cheap-financially-parenthood/dp/1922611891 

Podcast: Get Rich Slow Club https://open.spotify.com/show/6UEj6JvBGvxCNw4z44nV6m

Instagram: https://www.instagram.com/anakresina/?hl=en

See omnystudio.com/listener for privacy information.

In this episode we're diving into three types of spending: planned, prepared and impulsive. We'll explore the differences between the three, and how you can use them to audit your current behaviour, farm that data to build a money management style that works for you, and benchmark how you're tracking over time, too. 

Listen to the 'what season of money' episode mentioned in this podcast here: https://thebrokegeneration.com/blog/episodes/what-season-of-money-are-you-in-the-comments-section-with-e-v/?portfolioCats=362 

Join the Spend-tember Facebook group: https://www.facebook.com/share/g/7ZwmieN2ZEPjxsHr/ 

Vote for The Broke Generation Podcast in the Australian Podcast Awards: https://www.australianpodcastawards.com/voting 

See omnystudio.com/listener for privacy information.

While on my whirlwind UK adventure, I had the chance to catch up with Kira Matthews, a very popular previous guest on the podcast. Kira, a mindset and manifestation coach, is back to share more of her practical wisdom on bridging the gap between who we are now and who we want to become.

In this episode, we unpack how to rewrite the narrative of your life, focusing on understanding your identity and making intentional, incremental changes. Kira explains why overnight transformations often fail and highlights the value of embracing discomfort as part of growth. Together, we’re tackling perfectionism, reframing limiting beliefs, and building the confidence to move forward.

If you’ve been feeling stuck or unsure how to take the next step toward your goals, this episode is packed with insights to help you start rewriting your story today.

Episode highlights:

• How understanding your identity drives transformation.

• Why small, intentional changes lead to lasting growth.

• Practical strategies to overcome perfectionism and self-doubt.

“When I think about changing your story, it's about suddenly being aware of all of these characters, this setting, this scene, this story, the beginning and the end, and saying, actually, I want something new."
Kira [05:32]

“Perfectionists avoid trying to do something the first time because they’re attempting to navigate that inner critic - that’s so out of control."
Kira [24:25]

“Co-working spaces have been really good for me—being around people who are also self-employed—because otherwise it’s so isolating, and you do feel like you’re wrong."
Emma [42:12]

Missed the previous episode with Kira? Check it out here or search for Episode 61 ‘Can you really manifest money? A no BS guide to manifestation, with Kira Matthews’.

Where to find Kira Matthews

Website: https://www.kiramatthews.com/

No Room For Doubt Podcast: https://www.kiramatthews.com/podcast

Instagram: https://www.instagram.com/kirathebold/

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

This episode was recorded on the lands of the Boonwurrung People of the Kulin Nation. This land was never ceded, it always was and always will be Aboriginal Land. 

The Comment Section is back for another juicy ep! This week we’re talking luxury money sh*t, and the link between consumerism and self-perception. With Soho House's expansion into Sydney, we dissected the allure and exclusivity surrounding the global members' club, and its lavish amenities and strict membership criteria. 

We also compared our experience in purchasing a designer bag and explored the complex dynamics of prestige and personal expression tied to these luxury items. Beyond bags, we look at the broader questions surrounding luxury purchases, and their true value, both monetarily and emotionally.

Join us as we unravel the complexities of luxury living, membership culture, and the quest for belonging in an ever-evolving society.

Emma and Victoria x

Where to find Emma

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See omnystudio.com/listener for privacy information.

**GET SPECIAL ACCESS TO $100 OFF SARAH’S COURSE WITH CODE TBG100.**

https://stopsurvivingstartthriving.thinkific.com/courses/stop-surviving-start-thriving?fbclid=PAAaZwz7JtvzlxdEV161g0pM7t4DIzIx2gHOLEb0NMQYvvoND5xNCttWp6eSc

In this episode I’m joined by Sarah Scully-Leaf to discuss how to make 2023 your year of peace. Not peace as in lighting a candle and soaking in the bath (but go wild if that’s your thing). But peace in terms of peace with yourself, peace with your life, peace with your perspective, your choices and your attitude. 

Highlights:

• What your feelings about the New Year could be telling you
• How to understand what’s working in your life and what’s not
• Understanding how to meet your own needs
• Recognising when something doesn’t feel right and trusting yourself to take action
• How to break up with how your life should look by now

Where to find Sarah:

Instagram: @collectedinsight 

Website: https://www.collected-insight.com/

-

Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.

Where to find me:

Instagram: @the.brokegeneration

Blog: The Broke Generation | Destination for Hot Mess Millennials

Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. 

See omnystudio.com/listener for privacy information.

Welcome to 2023! In this episode I chat through my plans and goals for 2023 in life, money and business.

Highlights:

• Goals and challenges with taking The Broke Generation to the next level
• Moving on from my first year full time self employed
• Finding more joy in my life
• Embracing freedom and possibility
• Getting back to saving after a rocky couple of years

-

Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.

Where to find me:

Instagram: @the.brokegeneration

Blog: The Broke Generation | Destination for Hot Mess Millennials

Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. 

See omnystudio.com/listener for privacy information.

Welcome back to The Comments Section! Emma and Victoria are dishing out another snack platter of chaos, starting with the glittering promises of the vitamin industry. From “energy boosters” to “skin saviors,” we’re pulling apart the marketing fluff and sharing our real experiences (spoiler: we’re still waiting for that miracle transformation). Are these pricey pills worth it, or is your fantasy self buying into the hype? Then we switch gears to the manicure paradox - the love-hate cycle of salon nails. DIY gel kits, builder gels, and pro shaping skills - what’s really worth your time, energy, and coin? Plus, we talk about finding a balance between aesthetics and practicality, whether it’s sticking with simple staples or treating yourself to the occasional indulgence.

Grab your Sicilian olives and settle in for a zesty chat!

With thanks to our sponsors, Wallace Advocates and Lending Solved.

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

Victoria has also been a busy bee and written a whole damn book! You can pre-order here: Know Your Worth, Victoria Vivente (9781923022430) — Readings Books

See omnystudio.com/listener for privacy information.

In this episode I chat to Slow Fashion Stylist, Jenna Flood from @ironicminimalist, about clothing consumption and our mutual commitment to not buy any clothing in 2023.

Together we talk about our own experiences with clothing consumption, including why we knew we wanted to do a wardrobe freeze. Highlights:

• Understanding the habits behind our consumption patterns
• Noticing our impulses
• Lessons from 3 months of no buy
• How it feels to walk away from stuff we'd have otherwise bought
• How we're finding joy outside of consumption

Jenna's Australian sustainable brand recommendations: 

• Kowtow
• Arnsdorf
• Nobody Denim
• Hera
• Patagonia
• Denimsmith
• ABCH
• E Nolan
• Anna Cordell
• Caves Collect
• Post Sole Studio
• Etiko

Resources to find more brands:
Good On You
Ethical Clothing Australia
List of plus size brands -- https://www.instagram.com/p/CftJKcMP1_k/ 

Also mentioned: Annika. She is a colourful plus-size model.

See omnystudio.com/listener for privacy information.

In this episode, your ears are being blessed once again by Laura Ann Moore, the UK-based financial wellbeing coach, educator and your money bestie. Laura shares her approach to transforming our relationships with money and building wealth while staying true to our values. We explore how financial security and freedom look different for everyone - and why it’s essential to define what it means personally before working toward it. From practical budgeting strategies to reframing spending habits, Laura discusses the mindset shifts needed to make intentional choices with money that align with a fulfilling life.

Episode highlights:

• Shifting focus from chasing income to defining your version of financial freedom

• How category limits shape our spending habits

• Practical strategies to avoid extreme saving or spending

“Feeling good about money means something different to everyone… The work around feeling good about money is knowing what it means to you, and you can only do that by exploring money on a deeper level than just numbers and spreadsheets."
Laura [04:46]

“To one person, freedom is digital nomads travelling the world, going to a new place every year, every month, every week, whatever. To the next person, freedom means staying at home with the kids and leaving their 9 to 5."
Emma [07:34]

“It all just comes down to reframing how you view spending, investing, saving and just money in general and what each of those things mean."
Laura [23:18]

“When you actually look at handing over real money for those things, it can actually highlight when what you want is actually not that thing."
Emma [32:09]

Missed the previous episode with Laura? Check it out here or search for Episode 92 ‘The psychology of saving money, with Laura Ann Moore’.

Where to find Laura Ann Moore

Website: https://www.mindmoneysoul.co.uk/
Podcast: https://www.mindmoneysoul.co.uk/podcast
Instagram: https://www.instagram.com/laura_ann_moore
Tiktok: https://www.tiktok.com/@lauraannmoore

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Content warning: This episode discusses topics of family violence and financial abuse.

In this episode, I talk with Serina McDuff, the acting CEO of Respect Victoria, shedding light on recognising early signs of financial abuse in relationships. Our conversation explores the need for open dialogue about finances, challenging societal norms, and fostering communication to create safe and consensual financial dynamics. These conversations can be with your own partner, family members and friends, and they are so essential. Serina emphasises that financial abuse can affect anyone, regardless of financial stability, and the importance of being proactive in understanding and addressing these issues. Throughout our discussion, Serina also provides valuable insights into creating consensual and safe financial arrangements within relationships.

Episode highlights:

• Financial abuse is recognised as a form of family violence where one person in a relationship exercises control over another person through financial means. This can include monitoring spending, controlling funds, pressuring to take loans, and more.
• We discuss common red flags in relationships that may indicate financial abuse, such as isolation, control over finances, pressure to quit a job, gambling with shared money, and exclusion from financial decisions.
• The importance of having early conversations about finances in a relationship, and normalising discussions about money can help prevent financial abuse by allowing partners to openly communicate their expectations and goals.

“The broader societal expectations and sort of traditional gender roles that many of us have grown up with and many that continue to be entrenched today that can be the context for family violence."
Serina [09:57]

“It's totally okay to have a joint bank account, you know, but at the same time we would say, hang on to a bank account of your own."
Serina [24:45]

“You might have different views and you might sort of disagree, but you should be able to kind of navigate that the way that we do in healthy relationships where you agree to disagree or you don't feel unsafe in those conversations, you're just trying to work out what you should do as a couple."
Serina [28:09]

If the content in this episode raises any concerns, you can find out more information and support at

• www.respectvictoria.vic.gov.au

• www.1800respect.org.au/violence-and-abuse/financial-abuse/toolkit

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

I hired a stylist and I'm taking you on a deep dive into what my experience was like, what happened when we went shopping, and the things I learned about my consumption habits.

I recorded this episode just hours after I completed my personal shopping session to give you the real raw insights into what it was like as a curvy, jiggly gal trying on endless items of clothing in the space of 4 hours. 

Highlights:

• The relationship between consuming clothes and how I feel about my body
• The ways I'd previously have bought things and how having a stylist changed that for me
• Observations on how we view having "enough" clothes
• How we approach tapering our desire to buy more, more, more 
• The experience of trying clothes on for hours on end, and the feeling of finding stuff that really worked
• The role of a stylist when personal shopping, and the pre-and-post services that I'm engaging.

If you're interested in hiring a stylist yourself, you can find Maddy at the below links:

Instagram: @_madaboutfashion

Website: https://www.mad-aboutfashion.com.au/

See omnystudio.com/listener for privacy information.

In this episode I'm taking you through 5 things I've learned since starting to track my spending again as part of running Smart Spenders Club! 

Highlights:

• how tracking can provide a helpful behaviour modifier
• why visuals can help you connect to the impact of your spending
• the dangers of avoidance and how tracking helps you face the music

Smart Spenders Club has closed for enrolment now, but stay tuned for a potential second round later this year.

See omnystudio.com/listener for privacy information.

In this episode I dive DEEP into the theories of financial psychology, including what your money story is, why it matters, what research shows about money stories, and how your beliefs and behaviours can be modified to achieve a greater sense of financial confidence.

Highlights:

• Money stories and money scripts in research
• How money beliefs are developed
• How beliefs inform behaviours
• Why our beliefs and behaviours are sometimes contradictory
• The importance of understanding our beliefs when striving for financial confidence and/or financial freedom
• Why education gaps aren't the only thing to fill in your financial journey
• Live exercises to help you unpack your money story
• Belief and behaviour modification techniques to help you develop a stronger relationship with money

GET MY FEEL GOOD FINANCE GUIDE for 10% off using code PODCAST: https://thebrokegeneration.com/product/feel-good-finance-guide/

Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.

Where to find me:

Instagram: @the.brokegeneration

Blog: The Broke Generation | Destination for Hot Mess Millennials

Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.

See omnystudio.com/listener for privacy information.

Got a long walk or drive planned? Queue up this ep, because it’s a long one! Joined by Jess Brady, I delve into the world of personal finance, shedding light on the psychological aspects that often overshadow the numbers. Jess, is an expert in financial psychology and founder of Green House, a financial literacy program.

We explore two distinct mindsets: financial stragglers and financial strivers. Financial stragglers tend to avoid accountability and justify their financial behaviour, while financial strivers embrace change, set meaningful goals aligned with their values, and learn from their mistakes.

Jess emphasises the importance of deep self-reflection regarding one's relationship with money and suggests asking hard-hitting questions to uncover beliefs and behaviours. She challenges the normalisation of being "bad with money" in society and advocates for a more open and supportive financial community.

Anyone can shift from being a struggler to a striver by embracing personal accountability, seeking support, and aligning their financial goals with their values for a future filled with financial freedom and flourishing.

Episode highlights:

• The importance of thinking about money in the context of one's entire life rather than just day-to-day finances.
• The cost of accessing traditional financial advice has been on the rise, making it less accessible to many people.
• Understanding one's core values and aligning financial goals with those values, without this alignment, financial strategies are less likely to be effective.
• Mindset, personal accountability, and the willingness to learn and make changes, when it comes to finances.

“I love Conscious cash flows. I don't like the word budget. It feels like dieting, very restrictive, very boring. It doesn't work for me and it certainly doesn't work for many of the people that I've worked with in the past."
Jess [12:15]

“Most people have never learned formally anything about money. You know, it's really been left to the people around us to role model. Some did it exceptionally well, some didn't do it very well. And we can learn from their mistakes, but they role model it in an environment that is exceptionally different to where we're at today."
Jess [17:13]

“People are very passive, and we let that sort of autopilot, as I call it, kind of run the show when we're not really making decisions in any part. We're not really balancing the now and the future."
Emma [20:32]

“I think in any area of our life, if it's important to you and if it's worth whatever's on the other side, to be passive is kind of selling yourself short."
Jess [21:45]

Where to find Jess Brady
Website: https://jessicabrady.com.au/
Instagram: https://www.instagram.com/jessbrady_financialadvice/
LinkedIn: https://www.linkedin.com/in/jessica-brady-21165812/
Join the waitlist for The Greenhouse Money Program, running in January 2024!

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816
Instagram: https://instagram.com/the.brokegeneration
TikTok: @the.brokegeneration 

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Inspired by my friend Peta's podcast episode on setting standards in business (go listen if you're a business owner), today's quickie episode gets you thinking about the standards you're living by with your own personal finances. The habits we engage with create standards that we live by, and interrogating these standards can help us get out of our own way and start living to our full potential. 

We explore the standards you might be accepting in your finances, and how you can look at raising your standards to get more out of your money and the way you experience the financial side of life. 

Your challenge after this episode is to live your life as normal for one week, and look at the standards you're allowing into your personal finances. Are you making things harder for yourself by choosing immediate enjoyment over longer term goals? Are you kind of addicted to the chaos of starting over every month? Are you so used to having your value dictated by a salary you're not happy with that it's become part of what you accept as standard?

This one will get you thinking. 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Sign up to The Glue: the weekly money newsletter that'll make your habits stick: www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

The annual Black Friday episode is hereeeeee and I have got a juicy episode to help you stay financially savvy this sale season. Sales have started earlier than ever this year, so I'm dropping this episode slightly early to help you navigate it.

I take you through some of the research and predictions about Black Friday 2024 spending, and then share 5 practical tips, 5 mindsets to embrace, and 5 traps to avoid.

Highlights:

• Why this particular Black Friday is dangerous for our emotions, coming off the back of the US election and a worrying economic outlook
• Are our intentions around Black Friday spending actually playing out in our behaviour?
• Some research suggests we will see more spending than Black Friday 2023, especially in a younger cohort
• The surprising reason sales have started earlier than ever
• Why brands are having to get more creative to get us to buy – and why it's working
• How to navigate your emotions around sale season spending
• Managing loss aversion and regret avoidance
• Remembering that life goes on
• Double dipping with cashback and gift card discounts
• Why browsing is the real danger zone
• Supplementary spending, momentum spending and spending runways
• The difference between discounts and savings

Mentioned in this episode:

Join TopCashback for a $10 cashback bonus: https://www.topcashback.com.au/ref/thebrokegen 

Join ShopBack  to get cashback on your purchases ($5 bonus in new user challenge): https://app.shopback.com/6HkWpKKpPOb

Order my book, Good with Money: https://amzn.to/4eLOi5x 

UK Preorder competition: win a Dyson Airwrap! https://www.johnmurraypress.co.uk/landing-page/good-with-money-pre-order-competition/ 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

How to sell yourself an employer, with Tanaz Byramji

Get ready for an info-packed chat with career expert Tanaz Byramji! In this episode, Tanaz dishes out advice all about one of the scarier parts of being an adult - job hunting! We’re discussing how to take a purpose-driven approach to job hunting and application strategies that can help you land your next job!

Tanaz will show you how to boost your application game, and improve your chances of nailing that next interview. From crafting effective resumes and eye-catching cover letters, Tanaz explains how you can tailor each application, utilise storytelling techniques, and showcase the unique value you can bring to a role.

Learn how to develop the confidence to apply for roles, even when you don’t meet 100% of the criteria, and also how to spot when that dream job might not actually be what you want.

Episode Highlights:

• Understanding your value proposition, identify your skills, experience, and knowledge and demonstrate how they align with the job requirements.
• Continuously working on your career and developing your skills, by staying open to learning, and seeking opportunities for growth, you can proactively shape your career path.
• Tailoring resumes and cover letters for each opportunity. By addressing specific requirements and demonstrating alignment with the employer's needs, you can stand out from the competition!

“What’s come out of [the pandemic] is an increased awareness and appreciation, first and foremost of work life balance and flexibility.”
Tanaz [16:21]  

“The idea of considering yourself an asset that you need to sell is really confronting. But what is essential to understand is that in the world of work and employment, employees are a product or service, whereas employers are the consumer of that product or service.”
Tanaz [24:36]

“I've been in businesses where the culture hasn't been a good fit, and I think sometimes that can happen if you just kind of zoom through the hiring process… sometimes it can end up being a bad fit”
Emma [33:20]

Where to find Tanaz Byramji
LinkedIn: www.linkedin.com/in/tanazb
Successful Resumes Australia: https://www.successfulresume.com.au/tanaz-byramji/

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

I’m 6 months into my wardrobe freeze, and this episode I’m diving deep into the emotions, revelations, and insights that came from redefining my relationship with fashion and consumption. The initial excitement of novelty has worn off, and I’ve realised that the real challenge lies in finding creativity with the items I already have - and there have been moments when I just wanted to buy something new, especially when it comes to special occasions like weddings or birthdays! 

A major factor that has kept me going over the last 6 months has been the sense of lightness and mental clarity that comes from not constantly shopping. It's freeing not having to decide whether I should buy something, analyse my budget, or deal with the regret of returning items - don’t underestimate the amount of thought that can go into a clothing purchase!

As I look towards the second half of this 12-month challenge, I've started to focus on what my wardrobe truly needs. It's not just about specific items, but also understanding the fabrics, cuts, and colours that make me feel amazing. I hope this episode leaves you feeling inspired to make more conscious wardrobe choices, and maybe even your own freeze!

Episode highlights:

• How I’ve worked to stop that ‘scary number’ on my clothes tag limiting my style choices
• Unpacking fashion FOMO, and finding new outfits from items I already own
• A peek behind the curtain of the group wardrobe freeze challenge, and the benefits of sharing experiences, struggles and wins in a safe space

“We’re conditioned to feel an emotional connection to the things that we’re buying and we inflate their value so that we can justify that purchase.”

“It’s just been really interesting looking at who I’m buying for… it’s really hard to break the habitual process of buying for someone that you’re not.”

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Join the waitlist for the next Wardrobe Pause Challenge: https://mailchi.mp/a5bafd003bec/wardrobe-pause-challenge-waitlist 

See omnystudio.com/listener for privacy information.

This week's Friday Fave is an episode on how our fantasy self shows up in our spending habits! We're unpacking the concept of the "fantasy self" and exploring how it influences our financial behaviours and spending decisions. If you've participated in my wardrobe challenges, you might already be familiar with the idea of the fantasy self when it comes to clothing. But today, we're broadening that lens to see how it shows up in various aspects of our lives.

Today I’m covering:

• Understanding the Fantasy Self
• Common Categories Where the Fantasy Self Shows Up
• How to Dismantle Your Fantasy Self

Listen to the episode on Spending Runways mentioned in this episode here: https://thebrokegeneration.com/blog/episodes/are-spending-runways-draining-your-money/?portfolioCats=362 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Today, we tackle our very own trolley problem: If someone gives you a lottery ticket as a gift and you win, would you share the winnings? Join us as we delve into the complexities of this scenario, pondering what we'd do if we won and what we'd expect if we were the gifter. We explore themes of transparency, generosity vs. practicality, and the dynamics of relationships. Should the recipient feel obligated to share? Would the gifter expect a portion, or is the ticket purely a gift with no strings attached?

We also discuss what we'd do with the winnings both immediately and in the long term. From paying off debts to investing in the future, we consider the practical steps we'd take right after winning. Plus, we share our dream lotto purchases – from luxurious holidays to buying our dream homes.

Tune in to hear our perspectives and let us know on our socials what you would do if you won and what your dream purchase would be!

Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved.

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See omnystudio.com/listener for privacy information.

In this episode I share my 5 step mid year money reset process to help you zoom out of your money, farm data from the first 6 months of the year, and set new goals for the second half of 2023.

See omnystudio.com/listener for privacy information.

It's me and the mic again my friends for another solo episode, and this week we're talking all about finding your financial chill girl. Let's face it: stressing about money SUCKS A$$ – and because our brains are such drama queens, often we stress more than we actually need to.

Enter: the financial chill girl. In this episode I'm teaching you the principles of mental and financial resilience to help you build a sense of chill around your money and approach money management from a resilience-first perspective. 

Highlights:

• The antics our brains pull when experiencing financial adversity
• The three P's of learned optimism 
• How to intercept negative thoughts during financial adversity so you can get on with dealing with the issue objectively
• The components of financial resilience and why personalising your approach is critical
• Why managing your everyday money habits makes it infinitely easier to handle financial adversity + juice up your financial resilience

Mentioned in this episode:

GET THE PIPING HOT GOALS POWER PACK and set the best, hottest money goals of your entire life: https://thebrokegeneration.com/product/piping-hot-goals/

Get your copy of Good With Money: https://amzn.to/3TFms2p 

See omnystudio.com/listener for privacy information.

In this episode, I share why developing a monthly money reflection practice can transform your relationship with money. Instead of waiting until year-end to review your finances, I'll show you how regular reflection can lead to faster improvements and more intentional financial decisions.

Highlights:

• Why I believe monthly reflection yields better results than solely annual reviews
• Research on reflection improving performance by 18%
• My simple framework to make reflection a sustainable habit
• How to adapt my LILAC framework for monthly money check-ins

You will learn:

• How to set up your own monthly money reflection ritual
• Practical ways I use to review my numbers without judgment
• Questions I ask that go beyond the numbers to uncover patterns
• How I use reflection insights to set meaningful intentions
• My tips for overcoming common reflection challenges

Resources Mentioned

• Monthly R.A.P. Template - Get my reflection and planning template
• Join the Broke Gen Baddies Facebook Group
• Melbourne Master Your Style Master Your Spending Event

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

https://amzn.to/4jnBupb 

**Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe 

See omnystudio.com/listener for privacy information.

Does your budget actually align with who you are? If you value freedom, autonomy and doing things your own way, shouldn't your budget reflect that too? Likewise, if you love structure, rules and boundaries, you can manage your money with this in mind, too. In this episode I talk through ways to understand your own personality, psychological profile and motivational style and how to apply that to your finances, in the context of 5 popular budgeting styles:

• Zero-based budget
• Reverse budget
• 50/30/20 budget
• Kakeibo
• Cash envelope budgeting

Vote for The Broke Generation Podcast in the Australian Podcast Awards: https://www.australianpodcastawards.com/voting 

See omnystudio.com/listener for privacy information.

In this episode I'm diving into why a payday routine is your superpower and how it can change the game for your finances. I'm also sharing a super simple calculator template that you can use to work out how to set aside money for all of your bills and expenses as an equal portion from every payday!

Jump into the SPEND-TEMBER Facebook group to gain access to that template: https://www.facebook.com/share/g/uoLX5T7djGgjGH2H/

See omnystudio.com/listener for privacy information.

Welcome to the final episode in our 3 part style & spending mini series! Today we're finishing off with the aspect of your style that comes entirely from your mindset. From breaking up with your fantasy self, to finding acceptance for who you are and changing the way you see yourself, we'll leave you inspired to silence that inner critic and start seeing style differently.

Get your event tickets here: https://www.trybooking.com/events/landing/1379832?embed

Join the Wardrobe Project waitlist here: https://mailchi.mp/7dbdeba873ab/atq5ho25bz

Download Carted and start your wishlist today: https://www.carted.com/

Where to find Maddy:

Instagram: @_madaboutfashion

TikTok: @madaboutfashion

Website: www.mad-aboutfashion.com.au

Where to find Emma:

Website: https://thebrokegeneration.com/?v=518f4a738816

See omnystudio.com/listener for privacy information.

In this solo episode I dive deep into the links between self esteem and money, and question whether a lack of self love could be sabotaging your financial progress.

Highlights:

• Why we spend money to feel better
• How to recognise feelings of unworthiness
• How our own sense of self links to our financial perspective
• The impacts of not knowing our worth in the workplace or in business
• The trap of trying to buy our emotions or soothe with ‘stuff’

-

Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.

Where to find me:

Instagram: @the.brokegeneration

Blog: The Broke Generation | Destination for Hot Mess Millennials

Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.

See omnystudio.com/listener for privacy information.

We all love a good actionable list, and this week I'm taking you through ten wallet-friendly ways to level up your life without burning a hole in your budget. From sprucing up your morning routine to splurging on fancy hand soaps, I explore practical strategies for enhancing your lifestyle without breaking the bank. With the current cost of living, it's never been more important to prioritise upgrades that improve your life long-term (that includes improving your happiness!).

Have a listen, and let me know on socials what small thing you fit into your budget that leaves you feeling like the baddie that you are!

Episode highlights:

• Practical strategies for upgrading life affordably.
• The importance of carving out time for personal choice and enjoyment.
• How to enhance your daily routine, and indulgences without overspending.

“When is a spend lifestyle creep that is going to be damaging and when is a spend actually a perfectly reasonable expression of lifestyle elevation?"
Emma [05:19]

“When we're actually looking at taking care of ourselves, looking after ourselves and prioritising ourselves, we have to consider the financial component."
Emma [04:31]

“Sometimes having something in stock and available to you is actually a really good way to stop yourself from like having that scarcity..."
Emma [21:20]

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

What’s the connection between personal branding and financial management? Drawing from my own evolving personal brand, I highlight the power of aligning your money habits with your personal values. Personal branding is a holistic representation of who you are and what you stand for, extending beyond just your career and the number on your payslip.

From transforming money habits to expanding the financial window, I’m giving you some actionable strategies to take control of your financial narrative. Like with any goal, sometimes there are sacrifices you have to make, and I’m taking you through the importance of strategic sacrifice in achieving financial goals, and how you can make intentional trade-offs that resonate with your personal brand.

Have a listen and check out my Piping Hot Goal Setting Power Pack to help you along on what I’m dubbing ‘Project You’, or you can order my book, Good with Money!

Also mentioned: Lifestyle creep vs lifestyle elevation episode: https://open.spotify.com/episode/1KWXW0JzfPJJxxLc1qTxO8?si=pJ2zhpU7RuSl1Kmf9dJAeA

Episode highlights:

• Personal branding embodies your values, beliefs, and aspirations, shaping every financial decision.
• My personal evolution from chaotic spender to intentional money manager.
• Broadening your financial perspective to unlock new possibilities and opportunities for financial growth.

“Getting to know yourself is an act of financial empowerment."
Emma [04:32]

“The degree to which you engage with your personal brand is really just the degree to which you’re taking control of what the outcome is going to be."
Emma [20:40]

“Sacrifice is often the forgotten tool of our finances, and I think that when we are more considered and we do entertain how we can use sacrifice to accelerate where we’re going with our finances and do that in a way that is aligned with our personal money brand, we can grow."
Emma [26:16]

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this episode, I'm sharing insights into my approach to managing my finances - what I like to call being a "hot b*tch" with money. I break down six key steps to master this mindset with confidence, and a touch of sass. On the fun side, it’s things like crafting a budget that fits your life, not the other way around. On the other hand, it’s tricker things like critically reviewing your spending habits that eventually help you to be more in control and aware of your financial standing. Working these tips into your finances can help you step away from autopilot and into financial empowerment and confidence. 

Here's to embracing our inner "hot b*tch" and conquering our financial goals in 2024 and beyond!

Episode highlights:

• Moving away from autopilot financial habits towards empowerment and self-assurance.
• Emphasising the value of knowing your financial status at all times to make informed decisions and avoid unnecessary stress or guilt.
• The importance of having financial goals and working towards them, whether big or small, as a key aspect of financial empowerment.

“A hot b*tch does what she says she's going to do... By setting and keeping promises to yourself and actually following through on them, that is where we become a hot b*tch with money."
Emma [03:49]

“Having a payday routine is the perfect way to do the things that you say you're going to do."
Emma [05:59]

“Treat every aspect of your finances as data... Seeing everything as data neutralises it. It doesn't make it about you and it helps you move forward."
Emma [23:43]

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

If you’ve clicked on this episode it’s probably because you’re fighting that nagging feeling that you’re ‘behind’ in life. It's a topic that resonates with all of us, consuming our thoughts more often than we'd like to admit. Featuring voice notes from listeners, sharing their own experiences with this all-too-familiar sensation, and how to navigate the complex feeling of being behind in life.

Feeling behind isn't just about the numbers; it's about the choices we make, the experiences we gather, and the unique circumstances that shape our journey. Together we explore the need to discern the specific triggers that make us feel behind and the underlying emotions driving these perceptions. It’s important to define your own unique path, discover your core values, and find contentment in their distinct journey.

Episode highlights:

• Learning to differentiate between the societal pressure to conform to certain life milestones and your own personal desires and values,

• Recognising privilege and how comparing yourself to others who may have had different opportunities can be counterproductive,

• The importance of self-awareness and personal growth.

“Getting aware is the very first stage, and that might be noting little things down if and when they pop into your mind or getting better at sort of slowing down and noticing when these thoughts and feelings are coming to you."
Emma [11:15]

“Where can you kind of move away from that goal that's been sort of drilled into you is the right thing to do."
Emma [39:11]

“There is no decision, there is no end destination, there is no place you can be in your life where you don't have questions about where you're going next."
Emma [39:35]

“The older you get, stage of life matters so much more. I've got friends that are 25 and I've got friends that are in their forties, but the stage of life is kind of more important than the age."
Emma [42:26]

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

This week, I have the pleasure of chatting with Emma Wilson, the 1st and only Turning 30 Coach, about how to embrace this transformative decade without succumbing to societal pressures or being let down by the narratives we tell ourselves.

During our conversation, we delve into common fears and anxieties about approaching 30, especially the struggles women face as they age. Whether it's the pressure to achieve relationship milestones or the looming threat of the 'biological clock,' Emma provides practical strategies to tackle these issues. 

Emma debunks the idea that success should be measured by a predetermined checklist or compared to others' achievements. Instead, she encourages crafting our own vision of success by aligning our passions and values. Whether it's in our careers, relationships, or personal pursuits, embracing our individuality is the key to genuine happiness.

Regardless of whether you're approaching your 30s or already navigating through them, this is an episode not to miss!

Episode highlights:

• Embracing non-traditional career paths and exploring new opportunities
• How to make informed financial decisions and work towards long-term goals, by critically assessing your wants versus needs.
• Finding growth and transformation in facing uncomfortable situations.

If you’re thinking “Oh, I don’t know what to do” or “I’m too scared of failing to leave my job”… Just ask yourself; If you knew it would all work out in the end, what would you do next?

Your 30's get to be whatever you want them to be, but it doesn't just happen to you, you can't just sit back and wait. You have to take control.

Where to find Emma Wilson

Website: https://www.turning30coach.com/

Instagram: https://www.instagram.com/turning30coach/

Turning 30 Podcast: https://www.turning30coach.com/podcast

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

SURPRISE!!!! WE'RE BACK BABY! Yep, welcome to season 3 of The Comments Section. You're joined by your two favourite chaos queens, Emma and Victoria. In our first eppy back, we're talking about your past, present and future self, and how the different versions of ourselves relate to our finances. Plus, we unpack the rise of the weight loss wonder drug, and question what it'll do for body acceptance, plus size fashion, and our relationship with who we are.

Thanks to our sponsors, Wallace Advocates and Lending Solved.

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See omnystudio.com/listener for privacy information.

In this episode, I share 8 tips on managing the cost of living crisis and wage stagnation in a way that goes beyond just spending less (though I do address some ways of doing that!).

Highlights:

• the importance of focusing on OUR situation, not the widespread panic
• widening the gap between your income and expenses
• changing payment dates
• where to get financial help if you're experiencing hardship

Mentioned in this episode: 

ASIC Financial Hardship: https://moneysmart.gov.au/managing-debt/financial-hardship

Financial Rights Resource Centre: https://financialrights.org.au/

Podcast Episode 10 Ways to Make Extra Money Fast: https://podcasts.apple.com/au/podcast/bonus-10-ways-to-make-extra-money-fast/id1573560175?i=1000575620777

Sign up to my weekly newsletter and get a free copy of my Financial Values workbook! www.thebrokegeneration.com/subscribe 

See omnystudio.com/listener for privacy information.

Feeling stuck in your financial journey without a clue on how to move forward? Don't worry, you're in good hands! Today, I'm dishing out 7 essential principles to jumpstart your path to better finances this year. Whether it's reclaiming time for your passions or ditching the anxiety over looming bills, these steps may seem small but they pack a punch. Embracing progress, no matter how modest, paves the way for greater achievements down the line.

Have a listen and check out another episode which you may find helpful, Is it time to raise your money standards? You can also check out a heap of resources I’ve put together here.

Episode highlights:

• Establish some form of financial structure for effective money management, whether it's through detailed budgeting or broader categorisation.
• Allow yourself the flexibility to spend on certain indulgences within your budget, this can help maintain motivation and prevent feelings of restriction
• Visualise your long-term goals and the person you want to become can make short-term sacrifices less daunting.

“[Have] some money set aside that you do not touch. Whether that is $100, whether it is $1,000, whether it is $10,000, a really good way to up your money standards and increase your commitment to what you're trying to do is getting used to having money in your possession that you do not touch."
Emma [19:54]

“Building in a break with your financial behaviour and financial goals before you feel like you need it can actually renew your motivation."
Emma [35:14]

“You need breaks from being perfect with money."
Emma [34:31]

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

It’s the long awaited wardrobe freeze update! In this episode, I’m sharing my reflections on completing a year without buying any clothes. I share the challenges and the wins, diving into what I discovered about myself and my existing wardrobe.

I also unpack the strategies that got me through the year, and the importance of mental preparation and finding balance in various life aspects. From weight fluctuations to rediscovering treasures in my closet, I’m sharing the valuable lessons learned during this period of intentional living.

Looking ahead, I’m laying out my game plan for the next year and figuring out how to put into action what I've picked up. This involves tweaking how I approach clothing consumption - thinking about making my own, trying out rentals, and, of course, doing a bit of shopping.

Join me as I continue this journey of mindful consumption, reflecting on the past and stepping into a future where my relationship with clothes is not just about style, but about conscious choices and sustainable practices.

Episode highlights:

• I finished my wardrobe freeze!
• Insights into the challenges and wins during the wardrobe freeze,
• How to prepare, physically and mentally, for a freeze,
• The financial aspects of the challenge - how much did I save by not buying clothes?
• My future plans post-wardrobe freeze, including seeking the help of a stylist!

“I have a photo album on my phone of over 120 outfits I think that I put together throughout the year."
Emma [17:35]

“Spend time in your wardrobe, spend time with the stuff that you've got. Get to know the stuff that you caught by setting aside half an hour on a Saturday morning or an extra half an hour when you're getting ready."
Emma [17:48]

“A lot of things will happen during a year. They'll be events that you didn't even know you were going to go to yet. There will be feelings that you have about the way that you look."
Emma [22:12]

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Pre-order my book, Good with Money! Out February 27th 2024 

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Your ears are about to be blessed yet again by the incredible Tash Invests, as we talk about the power of frugality and its role in building wealth. We explore Tash's journey of focused frugality, strategic investments, and the behavioural discipline that led to her impressive financial achievements at a young age. Tash shares her early introduction to investing, the sacrifices she made, and the frugal habits that contributed to her financial success. We also discuss how adopting a frugal mindset, even for a short period, can significantly accelerate financial progress, regardless of your stage in life. Tune in for practical tips and insights on leveraging frugality to reach your financial goals.

Episode highlights:

• Strategic sacrifices on financial growth
• Understanding and controlling expenses to accelerate wealth building
• The challenges and strategies of maintaining frugality as your lifestyle and responsibilities evolve.

“I'm not that into frugality in terms of never having any joy in your life and never doing the things that you say you want to do or saving all your money."
Emma [02:01]

“I was just obsessed with getting jobs for a while. I don't know why. I just, like, loved trying new things."
Emma [04:25]

“It's easier to not do it at all and than to try and do something in moderation."
Tash [10:11]

Where to find Tash

Website: https://tashinvests.com/
Instagram: https://www.instagram.com/tashinvests/ 
TikTok: https://www.tiktok.com/@tashinvests 

Listen to her Get Rich Slow Club Podcast!

Order Tash's book How To Not Work Forever.

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Welcome back to Spend-tember! Today, we're unpacking the concept of the "fantasy self" and exploring how it influences our financial behaviours and spending decisions. If you've participated in my wardrobe challenges, you might already be familiar with the idea of the fantasy self when it comes to clothing. But today, we're broadening that lens to see how it shows up in various aspects of our lives.

Today I’m covering:

• Understanding the Fantasy Self
• Common Categories Where the Fantasy Self Shows Up
• How to Dismantle Your Fantasy Self

Join the discussion! If you haven't yet joined our Facebook group, what are you doing?! We have ongoing discussion threads about each episode and themes from Spend-tember, along with homework tasks to help you dive deeper into your financial habits and mindset.

Listen to the episode on Spending Runways mentioned in this episode here: https://thebrokegeneration.com/blog/episodes/are-spending-runways-draining-your-money/?portfolioCats=362 

Join the Spend-tember Facebook group: https://www.facebook.com/share/g/7ZwmieN2ZEPjxsHr/ 

Vote for The Broke Generation Podcast in the Australian Podcast Awards: https://www.australianpodcastawards.com/voting 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Lately, I've been going through it, just like many of you. 2023 has thrown everything at me, from life stuff to financial struggles. But guess what? I got sick of myself moping around and identifying with the struggle. I’ve found myself a mantra that feels like I’ve hit reset on my year - Enter the Milhouse Mindset! 

Listen in to find out how Milhouse Van Houten is helping me to change my perspective and believe that things can work out.

I'm inviting you to join me in the Milhouse Movement for the last three months of the year. Whether you've had an amazing 2023 or a tough one like me, embrace this mindset. It's all about looking on the bright side, taking opportunities, and believing that things are going your way. And you know what? It's empowering, it's exciting, and it might just change your life. 

So, get your flood pants and join the movement, share your Milhouse moments with me over on Instagram, and let's make the most of the rest of 2023.

Episode highlights:

• How I’m embracing my new positive approach for the last three months of the year, regardless of my experiences in 2023.
• Alongside my new mantra, I’ve been committing to regular self-care, looking after mental health and physical health

“I got sick of myself identifying with this struggle because I had found this, I guess, comfort and identity there."
Emma [08:38]

“I have been finding myself... doing things that I have been too scared to do all year or too stuck to do."
Emma [14:37]

“So I'm in full Milhouse Mindset mode at the moment. October, November, we are showing up for ourselves. I am just being like, You know what? We're going to go for that. We're going to try and make stuff happen."
Emma [15:09]

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816
Instagram: https://instagram.com/the.brokegeneration
TikTok: @the.brokegeneration 

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this episode, we discuss our common personality trait of being a "pleasure to have in class" – that is, you were a pleasure to have in class as a child, and as an adult, you're hellbent on making a good impression, being polite, and rarely rocking the boat. But what happens when you DO need to rock the boat? And what happens when your inner pleasure to have in class collides with your inner raging feminist? We find out in this classically chaotic ep. 

Once again, please accept my apologies for audio quality. Recording on the go is not my friend. 

With thanks to our sponsors, Wallace Advocates and Lending Solved.

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

Book: Know Your Worth, Victoria Vivente (9781923022430) — Readings Books

See omnystudio.com/listener for privacy information.

This episode is a recast of my annual guided mid year money review that is PERFECT for taking stock of where you're at as we close out the first half of 2024 and look ahead to what's to come. Even if you've heard this 5-step review process episode before, I encourage you to listen again with this year in mind. These things are always different every time we do them! 

The goal of this guided mid year money review is to get you to farm the data from the first half of the year and deploy your learnings into the second half of the year. Often we approach goal setting from a best-case-scenario mindset, which can set us up to fail. By anchoring ourselves in the mid point of the year, and using the real data of Jan - June in our finances to inform what's possible for Jul - Dec, we can set goals and intentions with context, and that set us up for success. 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

We all know that dopamine drives our spending, whether it’s impulse shopping, online browsing, or grabbing a little treat just because. That quick hit of excitement can make spending feel effortless, while saving? Not so much. But what if we could flip the script and make saving just as rewarding as swiping our card?

This week, I’m unpacking how to retrain your brain to crave financial wins instead of spending sprees. By understanding the psychology behind our money habits, we can start making small shifts that give us that same dopamine rush, not from spending, but from watching our savings grow.

I'm covering:

• Why we’re wired to seek dopamine from spending
• How to make saving feel just as rewarding
• Simple ways to gamify your savings

If you’ve ever struggled to break the cycle of impulse spending, this one’s for you!

Order my book, Good with Money: 

Australia: https://amzn.to/4eLOi5x 

UK: https://www.amazon.co.uk/Good-Money-Reprogramme-Spending-Control/

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe

See omnystudio.com/listener for privacy information.

Is EVERYONE doing a no spend year in 2025?! It can feel like it from looking at your social feeds, but you don't have to feel pressured to join the ranks. In this episode I unpack the trend of people vowing to their TikTok followers that they're on a no-buy for 2025, explore the benefits of changing your relationship with spending, share some alternative ways to approach bettering your spending habits, and my hottest tips for getting the most out of a no/low/mindful buying period.

Mentioned in this episode

• Smart Spenders Club is open for late enrolment until January 31st: get your ticket to join us here: https://thebrokegeneration.com/smart-spenders-club/

Upcoming Sydney event tickets: https://events.humanitix.com/launch-party-know-your-worth-and-good-with-money?hxchl=mkt-sch&_gl=1*dkn9mg*_gcl_au*MTI3Nzg2NzMyMC4xNzM2ODk4MDU1*_ga*MTYxOTY4Mzc4NS4xNzM2ODk4MDU2*_ga_LHKW5FR9N6*MTczNjg5ODA1NS4xLjEuMTczNjg5ODA2NS41MC4wLjA. 

Order my book, Good with Money: 

Australia: https://amzn.to/4eLOi5x 

UK: https://www.amazon.co.uk/Good-Money-Reprogramme-Spending-Control/dp/1399822446/ref=asc_df_1399822446?mcid=8cfd172ad9473176be1ff7bdcdfd9f24&th=1&psc=1&hvocijid=8186753501660029287-1399822446-&hvexpln=74&tag=googshopuk-21&linkCode=df0&hvadid=696285193871&hvpos=&hvnetw=g&hvrand=8186753501660029287&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9220538&hvtargid=pla-2281435176378&psc=1&gad_source=1 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this episode of The Comments Section, we explore the complexities of convenience and how it influences our spending choices. With the rise of modcons (modern conveniences, yes it's a real term!), we ask when paying for ease really adds value and when it’s just a clever marketing trap. We weigh the cost of time saved against the convenience of tech, gadgets, and delivery services, questioning if they truly solve our problems or create new ones. We also share practical ways to create convenience on our own terms, without the hefty price tag. From rethinking the convenience of certain purchases to offering simple, budget-friendly solutions, we share ideas on how to simplify life without sacrificing quality.

We want to know—what’s your ultimate modcon? Hit us up on socials and let us know!

With thanks to our sponsors, Wallace Advocates and Lending Solved.

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

Victoria has also been a busy bee and written a whole damn book! You can pre-order here: Know Your Worth, Victoria Vivente (9781923022430) — Readings Books

See omnystudio.com/listener for privacy information.

Have you ever thought about wanting to be famous? There's more to fame than meets the eye, and exploring its true meaning can help us understand our own aspirations.

Join this conversation with Toni Lodge and get the golden nuggets of wisdom from everyone's favourite “Internet Sister,” author of I Don’t Need a Therapy, and co-host of the Toni and Ryan Podcast. In this episode, Toni shares what it is like to have the desire to be famous from a young age, what happens when you actually get it, and why there is a bit more to her desire for fame than you might expect.

Toni Lodge

Website: https://www.toniandryan.com.au/

Facebook: https://web.facebook.com/groups/toniandryanpodcast/

Instagram: https://www.instagram.com/tonilodge/

Linktree: https://linktr.ee/ToniAndRyan

Emma Edwards

Website: https://thebrokegeneration.com/?v=518f4a738816

LinkedIn: https://instagram.com/the.brokegeneration

Instagram: https://instagram.com/the.brokegeneration

See omnystudio.com/listener for privacy information.

In this episode, I explore navigating your financial goals while existing in a world of rising costs and stagnant wages. It's crucial to maintain focus and avoid a defeatist mindset. I outline five strategies to help you build financial resilience, as well as a strong mindset.

Developing both mental and financial resilience is essential for handling future challenges. Consistency is key; keep pursuing financial goals despite slow progress. Focus on your personal financial journey, acknowledge fears about economic difficulties, and stay committed to your plans. Your financial situation is unique to you! Don’t let the general narrative dictate how you think and feel about money.

A previous episode ‘How to find your financial chill girl and build financial resilience’ features the three P's of learned optimism - check it out here!  

Episode highlights:

• Honesty: Critically assess your unique financial situation and avoid generalising from the broader economic climate.
• Behaviour: Avoid reckless spending due to perceived economic hopelessness.
• Money Psychology: Recognise how past experiences shape current financial beliefs and behaviours.
• Resilience: Build both mental and financial resilience to better handle future adversities.
• Consistency: Continue working towards financial goals, even if progress is slow.

“Successful people, and people that have achieved their goals, don't keep hitting pause every time they run into something like a difficulty."
Emma [04:26]

“Shut out the noise, shut out everybody saying everything's like this or everything's like that."
Emma [06:53]

“Think about how your overall money story and your overall beliefs about money might be intersecting with the way that you are behaving and experiencing and feeling about money during the difficult economic climate."
Emma [15:23]

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In the final episode of The Comments Section, we dive headfirst into the complex nature of success. We start by exploring our personal definitions of success and how they vary, from simply getting through a tough day to making a long-term impact. We discuss the surprisingly positive power of revenge as a motivator to prove people wrong and achieve our goals. Though ‘revenge’ has negative associations, it can be a very satisfying driver of success, whether it’s in lifestyle, assets, or career, as long as you keep yourself in check.

Emma also flexes her financial psychology muscles, discussing how our comfort zones around money shape our beliefs and behaviours. We touch on revenge consumption, examining how you can align your spending motivations with personal values rather than trying to prove yourself to others. We also reflect on when it’s time to pump the brakes on your revenge/success journey, emphasising the importance of regular check-ins to see your progress and setting firm milestones to properly celebrate your achievements.

If you loved this series and want to see more, let us know! Is there a topic you want us to cover, jump over to our socials and let us know.

Where to find Emma

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See omnystudio.com/listener for privacy information.

It's you, me and the mic again, baby, for another hot little solo ep. In this episode we're deep diving into financial sabotage, why we do it and how to understand it better and use that knowledge to be more strategic in your finances.

Highlights:

• Common types of financial self sabotage
• The 5 categories of financial self sabotage
• 3 key causes of financial self sabotage
• Why our brains crave familiarity
• How to spot your own financial self sabotage behaviours and move through them

Key moments: "it it infinitely easier to be the person you've always been than the person you want to be."

GET YOUR COPY OF GOOD WITH MONEY: https://amzn.to/3AjuU16 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this episode I take you on a journey through the many evolutions of my personal finances so far, through the lens of the mindset shifts and identity upgrades I've undergone going from hot money mess to financially confident and building wealth.

I go through the changes I made as I:

• Started fixing my finances once and for all
• Began paying off debt
• Finally paid off my debt
• Learned to save
• Invested small amounts
• Invested bigger amounts
• Went full time self employed
• and bought a brand new car for the first time ever 

Order GOOD WITH MONEY: https://amzn.to/4eLOi5x 

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

It's the 100th episode of The Broke Generation Podcast! Yeehawwww!! In this fun bitsy episode, I take you through a goal review of my 23 Goals for 2023 episode that I recorded earlier this year, talk about financial priorities and why they matter, progress and the things we forget about how far we've come, and some of the best things I've ever spent money on. PLUS we hear from YOU about your financial priorities and best ever purchases.

Thank you so much for listening and being a part of the show. Please share with a friend or leave a 5* review to help more people find the pod! I'd be so endlessly grateful!

See omnystudio.com/listener for privacy information.

In this episode I talk to money coach, Laura Ann Moore, about saving money, improving your relationship with money, boosting your habits, and understanding how our beliefs inform our behaviour. I LOVED this conversation and I hope you do too!

Highlights:

• How Laura's childhood experience made her a saver
• How our individual experiences form unique beliefs
• Learning how to safely spend money and let go of frugality and scarcity
• The intersection of emotion and logic
• Money mindfulness techniques to increase your awareness around your behaviour

Where to find Laura: 

Instagram: @laura_ann_moore

TikTok: @laurannmoore 

Podcast: Mind Money Soul

See omnystudio.com/listener for privacy information.

In the final episode of The Comments Section Season Two, we’re digging through the dirty laundry pile that is the intersection of feminism and spending habits, and whether it is unfeminist to critique women's spending habits. Historically, financial media has framed men's spending around wealth-building and investment, while women's spending has often been associated with saving and cutting back. This dichotomy raises the question: is it wrong to scrutinise women's spending when men aren't subjected to the same narrative?

Telling women to ignore their spending habits and simply "build wealth" without addressing the deeper societal pressures misses the point. While it’s crucial to acknowledge that the pressure to maintain a certain appearance or lifestyle is heavily marketed to us, we also discuss the importance of engaging with our financial behaviours. It’s not just about blaming ourselves but rather understanding the structures that shape our financial decisions and taking control to redirect our resources.

The Broke Generation is nominated in the Australian Podcast Awards! If you’ve loved having us in your ears lately, you can cast your vote here. Just search for ‘The Broke Generation’ and follow the prompts. Voting closes 10 October 2024.

Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved.

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See omnystudio.com/listener for privacy information.

We all love a good actionable list, and this week I'm taking you through ten wallet-friendly ways to level up your life without burning a hole in your budget. From sprucing up your morning routine to splurging on fancy hand soaps, I explore practical strategies for enhancing your lifestyle without breaking the bank. With the current cost of living, it's never been more important to prioritise upgrades that improve your life long-term (that includes improving your happiness!).

Have a listen, and let me know on socials what small thing you fit into your budget that leaves you feeling like the baddie that you are!

Episode highlights:

• Practical strategies for upgrading life affordably.
• The importance of carving out time for personal choice and enjoyment.
• How to enhance your daily routine, and indulgences without overspending.

“When is a spend lifestyle creep that is going to be damaging and when is a spend actually a perfectly reasonable expression of lifestyle elevation?"
Emma [05:19]

“When we're actually looking at taking care of ourselves, looking after ourselves and prioritising ourselves, we have to consider the financial component."
Emma [04:31]

“Sometimes having something in stock and available to you is actually a really good way to stop yourself from like having that scarcity..."
Emma [21:20]

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Welcome back to This is the year... This week is one of my FAVOURITE weeks of the miniseries – getting financially organised. Is this the year you stop chasing your budget like a napkin blowing away in the wind?! YES IT IS! 

In this episode, I share top tips for getting your financial admin in place to set yourself up for the year ahead. 

Highlights:

• The psychology of sinking funds and why you need them
• Why getting financially organised creates momentum in your finances
• How to streamline your expenses (and why it'll change your finances)
• The power of a payday routine and how to create one.

This miniseries was created in partnership with PocketSmith: the personal finance software for all walks of life. Head to www.pocketsmith.com/thebrokegeneration to try it for yourself. 

Mentioned in this episode: 

• Bill streamlining calculator https://docs.google.com/spreadsheets/d/1r01f70S_8lZd26uF8jl9YJeKDajbaxnu6lMU6T6Ml-4/template/preview?fbclid=IwY2xjawHofH5leHRuA2FlbQIxMAABHddgIKqo9AZbF6VUWZnRR1LBO85p_kgGlAyRlgh2RxkulIFGHSblhyJ95g_aem_u30LQQdDI5dKl72vC5k83w 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

This may be my FAVOURITE solo ep I've ever recorded. I take you on a journey through the many evolutions of my personal finances so far, through the lens of the mindset shifts and identity upgrades I've undergone going from hot money mess to financially confident and building wealth.

I go through the changes I made as I:

• Started fixing my finances once and for all
• Began paying off debt
• Finally paid off my debt
• Learned to save
• Invested small amounts
• Invested bigger amounts
• Went full time self employed
• and bought a brand new car for the first time ever 

Order GOOD WITH MONEY: https://amzn.to/4eLOi5x 

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this hot little ep we answer the big question: is diet culture back? From the return of low rise jeans to the controversial rise of Ozempic and other weight loss drugs, it's hard not to feel like we're living our very own rerun of the early 2000s. 

We discuss the impact diet culture has on our finances and why liking yourself is one of the best things you can do for your relationship with money, and with yourself.

Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved.

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See omnystudio.com/listener for privacy information.

This week I caught up with Shelley Johnson, non-boring HR Consultant and all-around powerhouse. Shelley and I talk about what makes a workplace toxic, how you can recognise the warning signs, and practice self-compassion as you navigate your way out.

Episode highlights:

• “Orange Flags” to look out for in a workplace
• Recognising when you’re in a toxic environment
• Rediscovering your sparkle after leaving one
• Empowering yourself in the next stage of your journey

“If you’re in a job and you’re thinking ‘I’m just surviving.’ That’s not a good indicator.” 

Where to find Shelley Johnson

Website: https://www.boldside.com.au/

Instagram: https://www.instagram.com/boldside_/

LinkedIn: https://www.linkedin.com/in/shelley-johnson/

My Millennial Career Podcast: https://www.boldside.com.au/podcast

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

It’s that time of year again! For the last episode of 2022, I’m bringing you another year in review. In this episode I talk through each month of 2022 and reflect on what happened, what I learned, and how it shaped my year.

Highlights:

• Leaving my job to go full time self employed
• Money wobbles in self employment
• Going back to the UK for the first time since Covid
• Reaching 2.5 years in therapy and reflecting on my progress
• Going back to studying
• Reflecting on what I want from my life and business
• Navigating health challenges and personal challenges
• Deciding to get married to my partner of 9 years
• Our micro wedding

Thank you SO much for listening to the podcast in 2022. I am so truly grateful for every listen. If you enjoy the show I would LOVE if you could leave a review on Apple Podcasts to help more people find the show in 2023. Have a wonderful and safe holiday season, and the podcast will be back on 5th January 2023.

-

Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.

Where to find me:

Instagram: @the.brokegeneration

Blog: The Broke Generation | Destination for Hot Mess Millennials

Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. 

See omnystudio.com/listener for privacy information.

It's December and you know what that means – REVIEW EPISODES ARE BACK! Settle in as I take you through my 24 goals I set for 2024 and whether I achieved them, failed colossally, or changed direction altogether. 

Order my book, Good with Money: https://amzn.to/4eLOi5x 

UK Preorder competition: win a Dyson Airwrap! https://www.johnmurraypress.co.uk/landing-page/good-with-money-pre-order-competition/ 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this episode I’m joined by positive psychology practitioner and author of Choose Joy, Sophie Cliff, to discuss how we can inject a little more joy into our lives in 2023. 

Highlights:

• What actually is joy and how can we define what it means to us?
• Why joy is so often linked to spending and consumption
• How to find joy without spending any money
• Reprogramming your brain to notice the little moments that make you happy
• Why we’re so used to dwelling on the negatives
• Balancing good and bad days, moments, and feelings
• Research-backed ways to find more joy

Where to find Sophie:

Book: Choose Joy, available at all major bookstores.

Instagram: @sophiecliff 

Website and programs: https://sophiecliff.com/

-

Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.

Where to find me:

Instagram: @the.brokegeneration

Blog: The Broke Generation | Destination for Hot Mess Millennials

Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. 

See omnystudio.com/listener for privacy information.

Welcome back to This is the year...! This week we're exploring ways to make 2025 the year you SLAY your savings once and for all. Saving money is one of the most life changing skills you can learn – and yes, skill is the operative word here. We expect ourselves to know how to save automatically, but for most of us, it's just not that easy. The human brain isn't wired to delay gratification. We've evolved to use the resources we have to avoid losing them, and so saving money (resources) for an undefined reason, to use on an undefined date in the future, isn't something that comes naturally to us. Luckily, there are ways we can hack our brains to make saving fun and easy, and in this episode, I'm going to show you how. 

Highlights:

• Gamifying saving to make it more fun
• Using a bundle strategy like the $1000 Project
• Creating momentum to keep yourself saving
• Building saving into your budget
• Learning to live below your means naturally
• Values-based saving
• Embracing a base camps vs climbs mentality 

This miniseries was created in partnership with PocketSmith: the personal finance software for all walks of life. Head to www.pocketsmith.com/thebrokegeneration to try it for yourself. 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe.

See omnystudio.com/listener for privacy information.

In today's episode, we're going down memory lane back to one of the early early episodes of the podcast for a book club-style chat about one of my all-time favourite reads, Atomic Habits by James Clear. This was episode ELEVEN of the show so do forgive my under-developed podcasting style in this episode, but it's still an enjoyable listen!
Atomic Habits is about behaviour change in general, but it also contains helpful insights for reshaping how we approach money. Instead of going for that crash diet mindset - cutting everything out for a short-term win - this episode is all about making better financial habits a natural part of your day-to-day life. I break down Clear’s four laws of behaviour change - Make It Obvious, Make It Attractive, Make It Easy, and Make It Satisfying - and share practical ways to apply them to your financial world. Whether you’re looking to save more or spend smarter, this episode is packed with actionable tips and bite-sized wisdom to help you build lasting change. Perfect if you're ready to level up your money mindset!

Book mentioned: Atomic Habits by James Clear

Also order Good With Money!

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

We’re diving back into the comments section, this time we spill the beans on the pricey pitfalls of convenience, from occasional valet parking to a regular house cleaner. Join us as we swap stories and bounce ideas off each other about when to indulge in life's little luxuries and when to hold back. It's all about finding that sweet spot where convenience fits into our lives without breaking the bank or compromising our values.
Grab a cuppa and tune in as we dish out plenty of food for thought on incorporating convenience into your life while staying true to your values and financial goals.

Lots of love, Fruit & Nut (AKA Emma and Victoria) x

Where to find Emma

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See omnystudio.com/listener for privacy information.

To kick off season two of The Comments Section, we're diving into the ever-complicated topic of splitting the bill or shared payments. We discuss scenarios where deciding who pays can be tricky, like group dinners, birthday celebrations, and even hen parties. We share personal stories that highlight the awkwardness and the need for strategies when dealing with these situations. We also touch on the dilemma of differing financial boundaries and capacities among friends and how it can complicate group outings. Knowing your friends' financial situations and setting clear expectations can help navigate these awkward moments - whether it's covering a shortfall or ensuring everyone is comfortable with their contributions, understanding and communication are key.

Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved.

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See omnystudio.com/listener for privacy information.

Take a deep breath in… and out… ok now you’re ready for this week's comments section! We’re diving into the real deal of self-care beyond the pretty pictures on social media. We’re talking about how we really make self-care work in our daily lives - from nifty apps that keep us zen to those little life hacks. But hang on, we’re also getting real about how self-care’s become a bit of a shopping spree. Are we actually nurturing ourselves or just splashing cash to feel good? We’re peeling back the layers on what self-care means and spotting the difference between quick fixes and the real thing that gives us a deeper kind of chill.

And, because we love getting into the nitty-gritty, we’re asking the tough questions about why we resort to these self-care 'buys'. Is it genuinely soothing us or just patching up bigger issues? From psychological insights on why we shop when we're down, to simple truths like, maybe we need to treat ourselves like a toddler to figure out what we really need, this episode is your call to rethink self-care. Don’t forget, we want to hear from you too! Drop into our socials and share how you’re keeping it real with self-care.

Where to find Emma

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

In this episode, I introduce the concept of a "spending runway," a term I coined to describe how certain situations and emotions can lead us to spend more money as momentum builds. These runways exist everywhere, from airport shopping and home styling to event planning and beyond. For instance, an initial purchase at an airport can lead to a cascade of spending on food, magazines, and souvenirs. Similarly, starting a home renovation project can trigger a series of additional purchases as you strive for the perfect look. By recognising these spending runways, we can become more mindful of our financial decisions and intercept unnecessary expenses before they spiral out of control. I share practical tips (that I've actually tried!) to help you identify these patterns in your own life, so you can take control of your spending habits. Tune in to discover how understanding your spending runways can lead to more intentional and satisfying financial choices.

On another note, my wardrobe challenge has entered a new era… Introducing The Wardrobe Project. Find out more and register here: 

https://thebrokegeneration.com/the-wardrobe-project-challenge/ 

Episode highlights:

• Discussion on how social settings, like attending events or gatherings, can create spending runways due to peer pressure or the desire to fit in.
• Insights into how retailers design environments to create spending runways, such as strategic product placements and promotions..
• Introduction of specific budgeting techniques to counteract spending runways, such as setting spending limits and using cash instead of cards.

“The airport is a really great example of an environment that creates a spending runway, not only when we're at the airport does money feel like Monopoly money like it doesn't count. We're also in the mindset of we're on holiday, we're on vacation, we can do whatever we want. This doesn't count..."
Emma [10:50]

“You go in for one thing, which in this instance is fairly rational. Maybe you don't need the sandals, maybe you do. It's neither here nor there, but that purchase and that environment and that intention then creates further subsequent purchases."
Emma [13:06]

“We like to buy, but we don't actually like to style. We think that we buy style, but we actually create style with what we've got."
Emma [30:46]

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In today’s episode, we deliver part 2 on how to feel like the hottest sh!t to ever walk the earth. We kick things off with another juicy icebreaker, exploring how you’d react if a close friend revealed they were secretly wealthy. Shifting focus, we dig into confidence, highlighting the importance of embracing both strengths and weaknesses.

We challenge the notion of toxic confidence, pushing instead for self-awareness and the willingness to acknowledge areas for improvement. We also touch on the power of financial knowledge and the importance of asking questions, even at the risk of seeming uninformed. Maybe it's time for you to interrogate the ways you've been conditioned and understand what has contributed to your responses? Embrace your strengths, acknowledge your weaknesses, and confidently move forward. Thank you so much for listening, everyone!

Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved.

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See omnystudio.com/listener for privacy information.

Welcome back to This Is The Year! This week we're exploring BUDGETS – most critically, finding a budget that works for YOU. There are tons of plug and play, cookie cutter budgets out there, and while those are great for getting you started, the real magic comes when you find a money management approach that works for you and your brain. 

In this episode, we're deep diving on four budget strategies, and unpacking what they are, why they work, and who they're best suited to:

• 50/30/20 budget
• Reverse budgeting
• Zero-based budgeting
• Kakeibo

For each, I'll take you through the pros and cons and the psychology of who they're best suited to, so you can take elements that fit best for you. 

This miniseries was created in partnership with PocketSmith: the personal finance software for all walks of life. Head to www.pocketsmith.com/thebrokegeneration to try it for yourself. 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe.

See omnystudio.com/listener for privacy information.

In this episode, we're diving into a fantastic listener suggestion from Bonnie, who wanted ideas for making money without starting a full-blown side hustle. Bonnie, a stay-at-home mum with some evening free time, inspired us to explore creative ways to earn extra cash.

We chat about various options like selling clothes, participating in specific surveys, and even casual marking for universities. The goal is to find strategies that easily fit into your current lifestyle. 

Join us as we share our experiences with micro-hustles, how they've supported us in the past, and why they can be a smart addition to your financial toolkit.

Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved.

And if you want to check out the amazing work of the makeup artist Emma saw, check out emturchmakeup.

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See omnystudio.com/listener for privacy information.

In this solo episode I share some common money mistakes I used to make and how I overcame them. Reflecting on financial progress beyond just huge savings numbers is so important to staying committed to your money journey. Tiny little changes to your habits, beliefs or attitudes to money are just as powerful, so make time to look back on how you’ve evolved, too.

Highlights:

• Sharpening up the way I spend on groceries
• The impacts of money leaks
• Identifying areas of financial mindlessless 
• The power of compartmentalising your money
• The risks of being unrealistic with your financial potential

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Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.

Where to find me:

Instagram: @the.brokegeneration

Blog: www.thebrokegeneration.com

Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. 

See omnystudio.com/listener for privacy information.

My book, "Good With Money" is finally out! This book goes beyond finances; it's about self-discovery, understanding spending habits, and reshaping your relationship with money.

I’ll guide you through the book's five sections, exploring non-financial narratives and the intricacies of personal psychology in money management, complete with bonus page turning ASMR. I’m also sharing excerpts, with a sneak peek into the themes of financial empowerment and confidence explored in the book. 

I hope it becomes your guide to mastering money habits and navigating your unique financial journey. If you do get a copy of the book, snap a picture of it and tag me on your Instagram stories - it’s out in the wild now! 

Episode highlights:

• A bit of real-talk - I have some mixed emotions now that the book is out! The journey from writing to seeing it in bookstores has been overwhelming but exciting.
• Get a sneak peek into how the media has impacted women's financial empowerment and how social media influences financial decisions.

“I sort of look beyond the everyday habits of getting good with money. That is my sweet spot. That is what I, you know, focus on the most for getting good with money to getting you from Hot Mess Express to feeling financially confident."
Emma [18:56]

“I could not write a book in 2024 that does not address the importance of understanding how to grow your money, how to, you know, go beyond having savings, what to do when you've got all your emergency fund and everything sorted out, growing your money long into the future and looking at that more wealth creation, stability, preservation side of things."
Emma [21:11]

“We're programmed to join the masses to survive, like following the crowd who are running from a predator. If you lose the pack, you die. But now let's think about our financial behaviour. To what extent are we mirroring the norms of others around us, or outsourcing the appropriateness of our financial decisions to what others are doing?"
Emma [24:53]

Loved what you heard? Order my book, Good with Money!

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this episode I’m joined by positive psychology practitioner and author of Choose Joy, Sophie Cliff, to discuss how we can inject a little more joy into our lives. 

Highlights:

• What actually is joy and how can we define what it means to us?
• Why joy is so often linked to spending and consumption
• How to find joy without spending any money
• Reprogramming your brain to notice the little moments that make you happy
• Why we’re so used to dwelling on the negatives
• Balancing good and bad days, moments, and feelings
• Research-backed ways to find more joy

Where to find Sophie:

Book: Choose Joy, available at all major bookstores.

Instagram: @sophiecliff 

Website and programs: https://sophiecliff.com/

Where to find me:

Instagram: @the.brokegeneration

Blog: The Broke Generation | Destination for Hot Mess Millennials

See omnystudio.com/listener for privacy information.

In this episode I’m joined by Trenna Probert, as we tackle the big area of finance a lot of us don’t want to think about - retirement. Trenna is the co-founder of Super Fierce, a platform dedicated to helping people retire with financial security. Trenna is a passionate advocate for financial security, especially for women and minorities. Our discussion revolved around redefining retirement as a positive and integral part of life, challenging the negative narratives surrounding it.

Trenna emphasises the importance of choice in retirement planning, sharing her personal journey of financial challenges and rebuilding. The gender gap in retirement savings was another important topic we explored, dispelling the myth that women are worth less economically. Trina stressed the need for women to prioritise simple steps to improve their financial well-being.

Throughout the episode, we worked to reframe retirement as a positive and achievable goal, highlighting the need to embrace life's unpredictability and learn from our past financial experiences. It’s important to realise that none of us have it all figured out, but with the right mindset and support, we can navigate life's financial challenges and secure a brighter future.

Episode highlights:

• Reframing retirement as a natural and exciting part of life, with everyone deserves a fulfilling future.
• Exploring the concept of "failed to fierce," where stumbling or failing is part of life, but it's how we respond and innovate that matters.
• Trenna shares the power of taking small steps today, and how even minor changes can significantly impact future financial well-being.
• The gender wealth gap and the need for equity in retirement planning.
• Check in on your private health cover - if you have it! Think about what could happen in your life, at different stages, that you would need covered.

"This is my life. I'm going to lean into my life. There are always going to be things that you cannot plan for. The only thing that you can control is the way that you respond to it."
Trenna [31:22]

"It's not about the failure. It's not about the stumble. It's what you do in the moment that matters."
Trenna [33:33]

“Looking back is actually really important when it comes to looking forward”
Emma [50:50]

Where to find Trenna

Website: https://superfierce.com.au/

Trenna’s Instagram: https://www.instagram.com/trennaprobert_/ 

Trenna’s LinkedIn: https://www.linkedin.com/in/trennaprobert/ 

Super Fierce Instagram: https://www.instagram.com/besuperfierce/

Podcast episode featuring Trenna: Female Founders: Trenna Probert: From concierge to fintech start-up founder

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

"Spending money is a shortcut to most of the feelings we crave in our lives."

In this episode I'm taking you through 7 pesky little happenings that make you want to spend money, and how to break the habit of giving in and emptying your bank account in the process.

From having a bad body image day to getting good news, there's always something waiting to send us into a spending frenzy. But the good news is, you can learn to master it. 

I share a smorgasbord of alternative behaviours and mindset shifts to help you tackle the spending monster head on, and feel more in control of your money and your financial wellbeing. 

Mentioned in this episode:

Join the waitlist for the new and improved Wardrobe Pause Challenge: https://mailchi.mp/a5bafd003bec/wardrobe-pause-challenge-waitlist

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Melbourne style and spending event tickets are on sale now!!! Early bird until 7 April https://www.trybooking.com/events/landing/1379832?embed 

In this episode I chat to stylist, Maddy Forster from Mad About Fashion about the power of finding your personal style, for your happiness, your bank account, and your confidence. 

This episode originally appeared as part of my 6 week group experience, The Wardrobe Project, where we hit pause on our clothing consumption and untangle our spending habits as they relate to our style. Keen to hear when the next round enrols? Join the waitlist here: https://mailchi.mp/e60be6e4205a/eyhjwar1s8

Also mentioned in this episode: I Hired a Stylist and Here's What it Taught Me About Consumption. https://open.spotify.com/episode/0zR3cFszEbKIocRVoUazHr?si=ix9wzCDYSnS-4ps3OGkOBg

Where to find Maddy:

Instagram: @_madaboutfashion

TikTok: @madaboutfashion

Website: https://www.mad-aboutfashion.com.au/

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

See omnystudio.com/listener for privacy information.

In this episode, I dive into the critical difference between explanations and excuses when it comes to our financial situations. I explore how identifying this difference can transform our money mindset, help us take meaningful action, and prevent future regrets. By learning to shift from excuse-making to explanation-seeking, we can break through psychological barriers and create genuine financial progress.

Episode Highlights:

1. Explanations vs. Excuses: I break down how explanations clarify with facts and context, while excuses shift responsibility and provide psychological comfort that ultimately holds us back.
2. The Self-Employment Example: I share my personal tendency to use "I'm self-employed, so it's harder" as an excuse, and how transforming this into an explanation creates actionable pathways forward.
3. Four Questions to Identify Excuses: I provide a framework to determine if you're making excuses or giving explanations, including asking if it's specific, if there's a way forward, if you'll stand by it in five years, and if there's anything you're not telling yourself.
4. The Future Self Perspective: I discuss how our future selves will thank us for turning excuses into explanations that we can act upon, rather than letting opportunities pass us by.
5. Life's Regrets: I reference Bronnie Ware's "Top Five Regrets of the Dying" to highlight how excuse-making can lead to unfulfilled dreams and missed opportunities for meaningful connections.

What you will learn:

• How to differentiate between legitimate explanations and limiting excuses in your financial life
• Practical techniques to transform your excuses into explanations that enable action
• Why psychological comfort from excuses can lead to long-term regret
• How to balance accepting real financial challenges while still moving forward

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this episode I explore the profound connection between self-acceptance and financial wellness. Discover why the journey to liking yourself isn't a simple switch to flip, but rather a transformative process that can revolutionise your relationship with both your self-image and your spending habits. I had SO MUCH TO SAY it's ended up being a two parter, so tune in next Thursday for 4 more ways to like yourself more.

What you'll learn:

• Why self-acceptance is a gradual journey of neuroplasticity, not an overnight transformation
• The surprising ways our self-perception drives our financial decisions
• Practical strategies to break the cycle of "improvement" spending
• How to begin separating your self-worth from the standards we've been conditioned to meet

Episode Highlights:

• The Self-Love Switch Myth
  Why we've been conditioned to believe self-acceptance is instantaneous rather than a gradual rewiring of our thinking patterns.
• The Money-Image Connection
  Explore the hidden relationship between how we see ourselves and where our money goes—particularly through "enhancement" purchases that promise to make us more acceptable.
• Breaking the Consumption-Confidence Loop
  Learn why stopping certain consumption patterns might actually be more effective than adding new ones when building self-acceptance.
• The Mirror of Judgment
  Discover how our perception of others directly influences our self-criticism and spending habits, and what we can do to break this pattern.
• Neutrality Before Positivity
  My journey of moving from self-hatred to self-neutrality before reaching self-acceptance, and why this middle step is crucial.
• The True Cost of Self-Criticism
  Uncover the financial impact of constantly trying to "fix" yourself through purchases, and what happens when you begin to step away from this pattern

Quotable Moments:

"When you're relying on that externality, that was just a complete sinkhole of spending because there is no end there. It's just a cycle that's going to keep going around." 

"If you see it as a project of changing the way you see yourself, rather than just going from disliking yourself to liking yourself, it will feel a lot more manageable."

Stay tuned for Part 2 next week!

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this episode I’m joined by female empowerment coach Jess Pinili to discuss all things self sabotage and improving your relationship with yourself. 

• What does empowerment actually look like?
• Why we get inspired by TikTok videos but never actually take action
• The things that hold us back from feeling our truest selves
• How a negative relationship with ourselves can sabotage our money habits

Where to find Jess:

Instagram: @jesspinili 

TikTok: @jess.empowermentcoach 

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Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.

Where to find me:

Instagram: @the.brokegeneration

Blog: The Broke Generation | Destination for Hot Mess Millennials

Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. 

See omnystudio.com/listener for privacy information.

In this episode I take you through how to reflect on your year in money, and prepare for an informed fresh start in 2023. 

Highlights:

• Reflecting on your year and making connections to your finances
• How to set informed plans and goals for 2023
• Letting go of failures
• Spotting patterns in your beliefs and behaviours
• Regaining a fresh perspective for your next year in money

Purchase your Reflect & Reset tickets – you'll get the replay of session one and live access to session two on 18th Jan. https://thebrokegeneration.com/product/reflect-and-reset-workshop/

Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.

Where to find me:

Instagram: @the.brokegeneration

Blog: The Broke Generation | Destination for Hot Mess Millennials

Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. 

See omnystudio.com/listener for privacy information.

Welcome to part two of my Year in Review! In case you missed the first part, it dropped last Thursday, so be sure to give that a listen. Today, we're diving in from July, where I'm sharing the highs and lows of juggling running my own business, writing a book and everything else that life felt like throwing at me! From working to the bone on my book, to dealing with the challenges of maintaining mental health, we're covering it all. 

Despite some very heavy challenges, the second half of the year definitely started to come up (thanks Milhouse Mindset!). While in rock-bottom’s basement, my book was eventually becoming more solidified, and my wardrobe challenge gave me an extra boost of positivity.

Reflecting on the year, I'm proud of overcoming challenges and finding a level of financial stability in my second year of full-time self-employment. So, let's jump right into the second instalment of my journey through the year.

Episode highlights:

• Finding my rhythm with university studies and the rest of my schedule,
• The importance of scheduling breaks and maintaining boundaries when it comes to rest,
• The importance of the supportive business community,
• How the Milhouse Mindset has been helping me in the later half of the year (Check out Episode 115: My game-changing mantra for the last 3 months of 2023).

“By the middle of the year, really started leaning into the really lovely business self-employed community that I kind of cultivated over the last few months."
Emma [07:59]

“Now I can chill a little bit before we hit the ground running in the New Year in terms of like goals and stuff for 2024."
Emma [33:13]

“You sow seeds, and they bloom. I'm hoping that in the new year they can bloom. And I've also, you know, I'm not going in blind, but a bit of a direction for what I want to do in Jan and beyond."
Emma [35:50]

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Pre-order my book, Good with Money! Out February 27th 2024 

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this last episode of The Broke Generation podcast for 2023, we’re diving into the annual Guided Reflection, exploring the highs and lows of our individual financial journey this past year. I’ll walk you through some helpful questions and introduce my LILAC framework (Leave, Improve, Learn, Achieve, Carry) to gain insights into your successes, challenges, and major life events and to help you plan for the upcoming year.

Now armed with this valuable data, it's time for you to sit with it, empowered to plan your next year with intention. It’s time to leave behind what no longer serves you, seek improvement, continue to learning, and set achievable goals.

If this episode has you hungry for more reflection, check out my Reflect & Reset workshop series, you can watch the replay for session one now, and catch the second workshop on the 14th of January. And hey, don't forget about my upcoming book, "Good With Money," available for pre-order, check the links below. 

I’ll see you next year!

Episode highlights:

• Work through my Guided Reflection, a lite version of my Reflect & Reset workshop series,
• Looking back at major events, experiences, financial ups and downs, and leveraging that reflection for personal growth,
• Unpacking the LILAC Framework (You know I love a framework!),
• Bring clarity to your financial situation, understanding personal behaviours, and setting meaningful goals.

“Reflecting is so powerful and I'm going to go out on a limb and say, I actually don't think that you can do the deep work on your money mindset, your money perspective to change your reality without doing a bit of reflection."
Emma [04:35]

“Think about if your year in money were a book or a movie, what would it be called? What would the Shownotes be? What would the reviews be?"
Emma [19:23]

“How do we hold ourselves back? How did other non-financial things perhaps get in the way of our financial progress?"
Emma [22:43]

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Sign up for my Reflect & Reset Workshop Series, workshop one is now available for replay!

Pre-order my book, Good with Money! Out February 27th 2024 

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.