The Broke Generation

This week, we're diving into the messy reality of failure. We’re unpacking the modern narrative that every failure must teach us something or shape our success. But let's be real—sometimes, failure is just failure. From botched jobs to disastrous side hustles, we’ve all been there. We explore the pressure to be grateful for failures, even when they don’t neatly fit into our life’s success story. Ever tried to spin getting fired from a waitressing gig into a stepping stone? It’s a stretch. We also touch on the emotional weight of redundancy and how some failures don’t need to be transformed into life lessons. Maybe they’re just missteps we’d rather forget. And while failure can build resilience, not every misstep needs to be a defining moment. Join us as we share our own flops, from failed fitness kicks to embarrassing work blunders, and how we’ve learned that sometimes, it’s okay to just move on without turning every failure into a victory lap. Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved. 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/@victoriashakeshaftSee 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.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, we ask: "Deal or no deal?" when it comes to the influence of situational bias on our financial decisions. Our environment often plays the role of the banker, tempting us with offers that can derail our long-term financial goals. We explore how these subtle pressures can sway our choices and discuss ways to stay in control of our financial journey. By understanding situational biases, we can better equip ourselves to make decisions that truly align with our intentions. We share practical strategies for recognising when we're being nudged off course and how to resist these influences, whether in everyday spending or high-stakes financial choices. Join us as we uncover how to keep your financial decisions firmly in your own hands, no matter the external pressures you face. Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved. 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/@victoriashakeshaftSee 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 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.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/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

Ready to undergo your next financial transformation? This ep is for you. I'm taking you through four tips to help you accelerate your next big upgrade (and not in a gross way). When it comes to our ongoing financial journey (yuck), there are certain points when we're climbing, and others when we're coasting. Neither is superior to the other, but they're distinctly different states. Climbs happen when you're making big shifts to your habits, behaviours, beliefs and even your bank balance, too. Coasting is the space in between (and it's not a bad thing, by the way). Coasting helps us acclimatise to the new level following an upgrade, and after a certain point, we find ourselves ready to climb again. This ep shares four tips to help you on your next climb! Highlights: The difference between goals you're actively pursuing, and goals that are on the backburner. Goal visualisation pathways How your identity changes when undergoing a financial upgrade How a short sprint can help you get back on the wagon What happens if you don't change?  GET YOUR PIPING HOT GOAL SETTING POWER PACK WORKSHEET: https://thebrokegeneration.com/product/piping-hot-goals/  10% off with code PODCAST Order your copy of my book, GOOD WITH MONEY: https://amzn.to/4fA51uc Sign up to the free weekly newsletter, The Glue: www.thebrokegeneration.com/subscribe  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.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/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

This episode is a replay of a popular episode from 2023.  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.

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.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/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

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.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money!See omnystudio.com/listener for privacy information.