The Broke Generation

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.

I'm sharing 12 money lessons that really made a difference in how I handle my finances. We're talking about things like planning for the long term, being smart about spending in a world full of temptations, and making sure your spending matches up with what really matters to you. I also get into understanding your own 'money story,' the importance of not always going for instant rewards, and saving money without a specific goal in mind. Take a listen to get all my tips and tricks for building a better relationship with your money, making the most of it, and using it to make your life better. Episode highlights: Shifting perspective from immediate spending to long-term savings. The importance of aligning your spending with your values - your bank statement reflects your priorities. Saving money without a specific goal. Understanding that discomfort and resistance is a normal part of changing habits. “There is no shame in saying to yourself, ‘Look, I need to spend some time learning how to better decide where my money goes, learning how to be resilient to these things, learning how I spend, looking back at where my money has gone, actually getting a handle on where my money is going.’"Emma [09:20] “One of the best goals you can have is to have your bank statement really reflect what matters to you."Emma [16:10] “The memories that you have about money will impact the way you behave."Emma [23:30] 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.

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.

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=enSee 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, 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.

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.

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.

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.

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.