The Broke Generation

In this second episode of my mini-series with financial advisor Jess Brady, we explore the concept of a "Freedom Fund" and why investing doesn't have to be about becoming ultra-wealthy. Jess breaks down how to reframe investing as a tool for creating choices and opportunities in your life, rather than just chasing passive income. We discuss the psychological barriers that keep people from starting their investment journey and introduce Jess's six-step investment framework. Highlights: Why Jess calls it a "Freedom Fund" instead of an investment portfolio The difference between "freedom from" and "freedom to" in financial planning How investing $5 can be a gateway to building wealth over time The shocking story of a gas station worker who built an $8 million portfolio Why market volatility preparation matters more than perfect timing You will learn: How to reframe investing as a tool for creating life choices rather than just wealth accumulation The psychological barriers that prevent people from starting and continuing their investment journey Why consistency in investing matters more than sophisticated strategies How to prepare mentally for market downturns with a "sleep at night plan" Join the September cohort of The Greenhouse here: https://courses.jessicabrady.com.au/TheGreenhouseMoneyGrowingProgramxTBG   Where to find me: 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  Preorder my new book, The Wardrobe Project, coming November 26th!  Preorder in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  Preorder in the UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  Preorder in the US: https://shorturl.at/9KNyb  Preorder in Canada: https://shorturl.at/PgcJx  **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 session, financial advisor and educator Jess Brady shares her journey in finance and her mission to empower others. She emphasizes the importance of understanding your personal 'money memoir'—the experiences that shape your financial beliefs. Jess discusses how reflecting on these narratives can enhance financial literacy and help overcome barriers. She also highlights the role of community in learning about money, urging listeners to adapt their financial stories in response to life changes and personal values.

In this episode we dissect the dynamic between a trust fund kid and a minimum wage worker, as depicted in a recent video by @Cut on Instagram: https://www.instagram.com/reel/DMx7GErP_QE/?igsh=MXZjcXVuNzVwb29qbg%3D%3D  We explore why the rich feel the need to be vague when asked about their wealth, whether financial transparency more broadly is always a good thing, and the ways in which money doesn't guarantee happiness. See omnystudio.com/listener for privacy information.

In this voice-note style ramble, I unpack how the elusive idea of being "cool" can impact the way we spend our money, particularly if we've got old wounds from not being one of the cool kids in high school. From expensive hobbies to dressing for who you wished you were, there's still something so idealised about being "cool" even as an adult, and as years rattle by and we we ride the ups and downs of life, can "coolness" catch us out at any age? Where to find me: 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.

New episode style alert! Join us as we take you through a week in our wallets: what we spent, why, and how we felt afterwards. You might love it, you might hate it, but we'll never know if we don't give it a whirl. Whack this on while driving, cleaning the kitchen or on your walk around the block when you hit your limit on work BS. Like it? Slide into our DMs to let us know you want more!  See omnystudio.com/listener for privacy information.

This solo episode tackles the familiar feeling of wanting to self-soothe with spending - those moments when you're hurtling toward an "I need a little treat" purchase. I'm sharing 10 practical alternatives that combine behavioural redirects (techniques to help you move through the urge) and behavioural replacements (activities to focus on instead). Whether you're stress shopping, doom scrolling into purchases, or feeling that "fuck it, I'm just gonna order it" moment, this episode provides a toolkit to intercept those spending runways before they take off. The goal isn't to never spend again, but to regain control when your decisions don't feel like your own. Key takeaways Learn to identify and name the emotions driving your spending urges Use movement and physical activity to shift your mental state Apply the "Tomorrow Rule" with positive, permission-focused language Channel creativity and use what you already own instead of buying new Create pause points between feeling the urge and taking action Build visual anchors that connect you to your bigger financial goals Replace the "see-want-buy" cycle with healthier behavioural patterns Complete small satisfying tasks to get dopamine hits without spending Understand that strong feelings don't equal facts about what you need Mentioned in this episode: https://www.allrecipes.com/recipe/241038/microwave-chocolate-mug-cake/  Where to find me: 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.

Content warning: this episode discusses themes of cancer, mortality and fertility. Welcome to another episode of That's Juicy and this week we have a very special guest, friend and colleague of mine, Chloe Adams from PocketSmith. Chloe joins us to share her experience of being diagnosed with ovarian cancer in her thirties, despite having said two weeks prior that she was the healthiest she's ever been.  We discuss how such a life altering diagnosis affects your money mindset, your outlook on the future, and big life decisions, and explore how being financially prudent when you're healthy can pay off big time if you find yourself dealing with a serious illness. I'm pleased to give one spoiler alert that this episode has a happy ending and Chloe is now cancer free. Mentioned in this episode: Chloe's article for the Ovarian Cancer Foundation NZ: https://ovariancancerfoundation.org.nz/ovarian-cancer-story/ova-achiever-my-struggle-with-ovarian-cancer-at-32/ PocketSmith: the personal finance software for all walks of life www.pocketsmith.com/thebrokegeneration   See omnystudio.com/listener for privacy information.

The title of this episode is far more intellectual than the contents of it. You have been warned. Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: 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.

Welcome back to another Emma's Dilemma episode where I address burning dilemma's from listeners. Today we have an absolute zinger: should I spend all my money now so I don't have regrets later?  Good question. Should you? Watching the world collapse around us naturally creates a fear response in our minds, so it's tempting to make decisions like this to feel like you're empowered and in control. But, while you'd be avoiding some regret, you're not avoiding all regret – and that's the reality we need to get our minds to understand. In this episode, I take you through: Why it feels like there's no point doing anything good with your money How the brain seeks psychological relief The impact of acting on fear-responsive thoughts A decision framework to help you act from a place of power rather than fear The importance of reframing fear-based thoughts to protect your money mindset over the long term. Got a dilemma? Email podcast@thebrokegeneration.com or drop it into the Broke Gen Baddies Facebook group: https://www.facebook.com/share/g/16ZLKbV364/  Where to find me: 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.

Join two chaotic queens as they reveal life hacks for thriving in the chaos! The hosts discuss everything from funny miscommunications to clever tips for organizing an underwear drawer. Get ready for a deep dive into savvy shopping strategies for the upcoming Prime Day sale, ensuring you avoid impulse buys. They share laughter and relatable stories about daily routines, and even how a spinning cleaning brush can change your life. Tune in for an entertaining guide to surviving the beautiful chaos of everyday life!