The Broke Generation

In this episode, I'm going solo to share some key areas of my finances that I’m working on at the moment, as I navigate full-time self-employment. This new phase has prompted me to reconsider my money mindset, as it’s no longer just my personal finances I have to consider, it’s also my businesses. I’m unpacking how easy it is to fall into the comparison trap, and discuss what I’m doing to manage my financial behaviour - my wardrobe freeze is still going strong, and it’s led to some unexpected revelations! I also talk about a recent unexpected expense that's testing my approach to scarcity and scarcity mindsets, and learning to separate practical solutions from emotional responses. I have so many thoughts and ideas swirling around at the moment, and I’ve found it’s essential to evolve my financial mindset to align with changing circumstances. Have a listen and let me know over on Instagram if you’ve had any recent mindset changes! Episode highlights: Adapting to self-employment and shifting money beliefs, working hard doesn't always equate to making more money as when you’re self-employed, How I’m navigating financial ups and downs, highlighting the psychological toll of financial comparison and the need to find a balance between personal progress and external benchmarks, My current financial goals and challenges, such as saving for a honeymoon, upgrading our car, and managing my financial behaviour during busy periods. 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.

Hey everyone, welcome to this rustic AF episode of The Broke Generation Podcast where I basically record as though I'm leaving an unfiltered voice note in your Whatsapp. Okay, I edited out some coughs and sneezes, but otherwise it's a total brain dump, so, go easy on me! In this chat I dive into the phenomenon that is GIRL MATH, and breakdown what I like about it, what I don't, and how it's affecting the conversation around women's finances.  Highlights: Is Girl Math purchase assessment, or just justification? Men and women both treat themselves – but is that where the similarities end? Women's purchase decisions are inherently different than men's, but not because we're frivolous. Why we need to learn to SPEND money as well as save it, invest it and earn it – and why this bit is so commonly missed out of financial education. A new set of criteria to replace Girl Math that can actually help you make better decisions. Mentioned in this episode: My Financial Values workbook. Grab your free copy by signing up to my weekly newsletter, The Glue. Head to www.thebrokegeneration.com/subscribe to sign up for free.See omnystudio.com/listener for privacy information.

In this episode, I had the pleasure of chatting with corporate development and communication consultant Annie McCubbin. Annie’s work centres on exploring the intersections of critical thinking, and decision-making, and their role in protecting our lives from unnecessary conflict and self-sabotage. Annie sheds light on the fascinating ways our minds work and how narratives can often outweigh facts. We delve into topics like confirmation bias, illusion of transparency, and spotlight effect—common pitfalls in decision-making. The episode also addresses why even seemingly 'smart women' fall for wellness trends and MLMs (multi-level marketing schemes). This conversation was an eye-opening journey into understanding the complexities of human thought processes and the importance of critical thinking in our (mis)information-rich and marketing-driven world.  Annie has also written two fantastic books; "Why Smart Women Make Bad Decisions" and "Why Smart Women Buy the Lies." You can find links on where to buy them below. Episode highlights: The importance of critical thinking and the need to question our own thought processes, so we can be aware of biases. Brush up on some psychological lingo, like the spotlight effect and illusion of transparency. These concepts highlight how people tend to overestimate how much others notice or care about their behaviour or emotions. How external factors shape opportunities, and the importance of not only acknowledging privilege, but also plain ol’ luck! We make most of our decisions in the limbic system part of our brains, and then we post rationalise them. So intelligence and high intelligence is absolutely no protection against being vulnerable to being lied to, scammed, tricked, duped any of it.Annie [08:11] The reason I put women in the title [of my books] is that I think that women are very much given the message that their intuition is king or queen and that whatever they're intuitively feeling must be right, because somehow it's some repository of deep spiritual truth. And I categorically disagree with that.Annie [08:35] Narratives have much more impact on the brain than facts. We grow up with stories. It's how we calibrate the world. How we understand things is through stories.Annie [15:37]   Where to find Annie McCubbin Website: https://anniemccubbin.com/  Buy Annie’s book through her website for a signed copy: https://coup.college/product/why-smart-women-make-bad-decisions/ & https://coup.college/product/why-smart-women-buy-the-lies/   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. Beyond the Self, by Africa Brooke is a podcast mentioned during the show: https://africabrooke.com/podcastSee omnystudio.com/listener for privacy information.

In this solo episode, I reflect on the "sliding doors” moments that shaped the course of my life. From last-minute university decisions, to an offhand comment from a dissertation tutor, I unpack how these choices led me down a career path I hadn’t considered. Fast forward to a lucrative job offer, which promised financial success and growth within a startup. Despite the allure, I listened to my gut and declined, opting to focus on my freelancing and passion project, The Broke Generation.  It’s easy to get caught up in thinking about how different my life could be if I had made different decisions along the way, but it’s also crucial to look back and celebrate the moments that led to the career I have now. So… what’s your “sliding door” moment? Let me know over on my Instagram, and we can continue our conversation over there! Episode highlights: How my last-minute decision to attend a local university led to living with unexpected housemates, including my future husband's best friend. A comment from my tutor about my writing talent gave me the confidence to explore copywriting as a career path. Rejecting a high-paying job offer to focus on my freelancing and my passion project, The Broke Generation, kickstarted my journey as a successful entrepreneur. Embarking on the podcast venture created new friendships, connections, and a platform that significantly shaped my life and career.   I didn't know I was good at writing. I always knew I liked writing and I knew that I always wanted extra paper in exams because I had so much to say. But if [my tutor] hadn't said that [I was a good writer], I never would have entertained the idea of writing being a career for me.Emma [16:43] I saw myself wanting to work for myself, and I saw something in The Broke Generation.Emma [22:32] Where to find The Broke GenerationWebsite: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Interested in other choices I made that led to The Broke Generation? Check out my other podcast, Broke Business: https://thebrokegeneration.com/broke-business-podcast/ 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 ByramjiLinkedIn: www.linkedin.com/in/tanazbSuccessful 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.

This episode I’m joined by Business and Manifestation Coach Kira Matthews, together we demystify the woo-woo and embrace the practical power of manifestation, uncovering its impact on your financial journey. Kira shares her personal transformation journey, and how overcoming self-limiting beliefs, and embracing abundance helped to create her dream life. We also discuss her ‘90-day model’, and the significance of setting time-bound and actionable goals, along with the (sometimes essential) role of failure in the process! The key to manifestation, when it comes to finance, is shifting our relationship with money and understanding that it's neutral; we give it meaning. By working on our mindset, embracing abundance, and taking inspired action, we can manifest a positive financial reality. By integrating mindset, belief, and action into our everyday lives, we can be empowered to create the life we desire and achieve financial success.   Highlights The importance of approaching manifestation with a practical and logical mindset rather than getting caught up in the mystical or "woo-woo" aspects often associated with it. A 90 day approach to goal setting, to avoid feeling overwhelmed and ensure a higher likelihood of achieving the desired outcomes within a practical timeline. How to channel the principles of manifestation even as a non-believer, and not limited to a particular belief system.   Where to find Kira Instagram: @kirathebold Website: https://www.kiramatthews.com/ No Room For Doubt Podcast: https://www.kiramatthews.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.

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.

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 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.

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.brokegenerationSee omnystudio.com/listener for privacy information.