The Broke Generation

This discussion focuses on actions you can take now that will benefit you in the next decade. It highlights the importance of small investments and how they compound over time. There's a push for mindful spending that balances current enjoyment with future security. The idea of building a supportive community is emphasized, encouraging listeners to nurture connections. Lastly, the conversation stresses the value of physical health, advocating for practices like Pilates to maintain mobility and strength in the long run.

WE'RE BACK BABY!!!! In this episode, I'm joined by KJ. a passionate financial advocate openly sharing her financial journey. KJ discusses her experiences migrating to the UK from Zambia aged 7, detailing her struggles and triumphs with debt management and living her 'best boujiest life' while building financial confidence. From her educational background in law to a rewarding consulting career, her story highlights the importance of financial literacy and emotional resilience. KJ also touches on the concept of 'black tax,' the pressures of being an eldest daughter, and her strategies for effective budgeting and financial planning. Her journey showcases how overcoming financial challenges requires internal growth and practical techniques. Highlights: The shame of debt and debt cycles The "black tax" and family expectations within cultures Early money conversations and how they shape us Cultivating a drive for success and growth Navigating a career in consulting and doubling your salary Believing in yourself when the world doesn't Budgeting while living your best boujiest life Where to find KJ: https://www.tiktok.com/@kjkas4?_r=1&_t=ZS-918LdLIfd48See omnystudio.com/listener for privacy information.

A short message from Emma to let you know the podcast is taking a teeny tiny 2.5 week break to catch up on editing and making the show the best it can be for your favourite months of episodes: December and January!  Here are five of the greatest hits episodes from the back catalogue to listen to while I'm gone: 3 things that fundamentally changed my finances forever 10 things to do instead of self-soothing with spending 7 money mindset shifts I’ve had to go through on my finance journey so far Is it unfeminist to discuss women’s spending habits? SPENDTEMBER with Emma & Victoria “Spending” vs “investing in yourself” Or why not head over to Broke Business and have a listen to the money podcast for business owners! See omnystudio.com/listener for privacy information.

This was a hotly requested episode as we hurtle closer towards gift-giving season, so settle in for a deep dive into why gift giving is its own unique taboo, and some strategies for addressing expensive traditions or norms.  PREORDER THE WARDROBE PROJECT! 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  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.See omnystudio.com/listener for privacy information.

In this solo episode I'm talking all things THRIFTING! Shopping second hand can feel like the perfect loop hole for your little treats, without breaking the bank or the environment. But the guilt-free dopamine dispenser of shopping second hand, whether on apps like Vinted and Depop, or in op shops, charity shops and vintage stores, can lead to unhelpful behavioural cycles that leave you with more questions than answers. In my year-long experiment of not buying any clothes, I banned thrifting too. Now, I'm learning to integrate second hand shopping back into my overall approach to clothing and style, and WOW, I learned a lot. This episode will share my insights into the dopamine trap of second hand shopping, and the skills to master in order to be able to do it mindfully. Mentioned in this episode: Money Sleepover Retreat https://www.yogablewellbeing.com/themoneysleepover  PREORDER THE WARDROBE PROJECT! 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  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.  See omnystudio.com/listener for privacy information.

In this solo episode I'm sharing with you the One Win Rule: a framework I developed to help you connect your beliefs and behaviours in order to break unhelpful money cycles. Whether you keep spending money when you don't plan to, or you feel like you'll never get ahead at work, or you feel like your business/side hustle is failing, the "One Win Rule" can help you intercept any pattern using principles from financial psychology.  PREORDER THE WARDROBE PROJECT! 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  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.See omnystudio.com/listener for privacy information.

Welcome back to another Emma's Dilemma. Today we're unpacking a curly one about what happens when we cut off one area of spending... but just spend the same amount in another area. In this episode I dive into: The difference between being pulled to spend on one specific area vs spending as a behaviour more generally An exercise to understand the unmet needs we might be responding to with spending transference The concept of hedonic adaptation and how we can combat it The PERMA model from Positive Psychology and how it can help us get more meaningful value from our money PREORDER THE WARDROBE PROJECT! 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  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.See omnystudio.com/listener for privacy information.

In this episode I take you through the concept of "following up" with yourself, and how you can use it to change your behaviour in a way that ACTUALLY works for your brain, rather than against it.  PREORDER THE WARDROBE PROJECT! 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  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.See omnystudio.com/listener for privacy information.

Welcome back to Emma's Dilemma, where I take your dilemmas and answer them with piping hot advice on life and money. Today's dilemma is all about untangling that overwhelming feeling of having competing priorities and deciding which direction your life is going to go in next.  In this episode, we cover: "Holding space" for that feeling of overwhelm Addressing what we're avoiding by allowing the overwhelm to win A matrix for helping you plot out what matters most to you Turning that into an action plan for what's next. Mentioned in this episode: printable matrix template for goal prioritisation https://thebrokegeneration.com/wp-content/uploads/2025/09/Goal-Priority-Matrix.pdf  PREORDER THE WARDROBE PROJECT! 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  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. PREORDER THE WARDROBE PROJECT! 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  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.See omnystudio.com/listener for privacy information.

Welcome to the final episode in our 3 part mini series with mortgage broker, Kobe Clarke-Jacobs. In this final instalment we're debunking how a change in income or circumstances changes and impacts your ability to buy a home. Whether you're planning on going on parental leave, taking a pay cut or changing jobs or industries, you'll find all the home loan insights you need in this nifty ep. Where to find Kobe: Instagram: @financewithkobe TikTok: https://www.tiktok.com/@financewithkobe  Website: https://financewithkobe.com.au/ See omnystudio.com/listener for privacy information.