Welcome to a new series of the podcast called That's Juicy! where I nab a chat with experts in a range of fields and squeeze the juice out of what they do best, to equip you with the knowledge you need in life and money.

This week we're joined by long-time friend of the show, Emily Wallace, who is a prolific Buyer's Advocate here in Melbourne. She knows the property buying process for first and family home buyers like the back of her hand, and in this episode of That's Juicy, she shares her best advice on navigating the confusing world of real estate. 

Highlights:

• The surprising factor that makes someone a "difficult buyer"
• Why having rental experience doesn't always make you a better property buyer
• The hidden value of asking about vendor circumstances
• A dollar value example of the power of buying off-market.

You will learn:

• How to apply the property triangle framework to make better buying decisions
• Practical strategies for managing outside opinions during your buying journey
• Insider tips for building relationships with real estate agents
• Effective negotiation techniques that create win-win situations for buyers and vendors

Where to find Emily:

https://wallaceadvocates.com.au/

Instagram: @emily_wallace_ba

TikTok: @buyersadvocatemelbourne 

Where to find The Broke Generation

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.

In this episode, I share why developing a monthly money reflection practice can transform your relationship with money. Instead of waiting until year-end to review your finances, I'll show you how regular reflection can lead to faster improvements and more intentional financial decisions.

Highlights:

• Why I believe monthly reflection yields better results than solely annual reviews
• Research on reflection improving performance by 18%
• My simple framework to make reflection a sustainable habit
• How to adapt my LILAC framework for monthly money check-ins

You will learn:

• How to set up your own monthly money reflection ritual
• Practical ways I use to review my numbers without judgment
• Questions I ask that go beyond the numbers to uncover patterns
• How I use reflection insights to set meaningful intentions
• My tips for overcoming common reflection challenges

Resources Mentioned

• Monthly R.A.P. Template - Get my reflection and planning template
• Join the Broke Gen Baddies Facebook Group
• Melbourne Master Your Style Master Your Spending Event

Where to find The Broke Generation

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.

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @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 style & spending mini series! Today we're finishing off with the aspect of your style that comes entirely from your mindset. From breaking up with your fantasy self, to finding acceptance for who you are and changing the way you see yourself, we'll leave you inspired to silence that inner critic and start seeing style differently.

Get your event tickets here: https://www.trybooking.com/events/landing/1379832?embed

Join the Wardrobe Project waitlist here: https://mailchi.mp/7dbdeba873ab/atq5ho25bz

Download Carted and start your wishlist today: https://www.carted.com/

Where to find Maddy:

Instagram: @_madaboutfashion

TikTok: @madaboutfashion

Website: www.mad-aboutfashion.com.au

Where to find Emma:

Website: https://thebrokegeneration.com/?v=518f4a738816

See omnystudio.com/listener for privacy information.

Welcome back to the Master Your Style, Master Your Spending mini series, celebrating our upcoming Melbourne event this May, hosted by me, Emma Edwards, and my cohost and stylist, Maddy Forster. In this episode we're delving into your spending and buying patterns, including vulnerably sharing our own, in order to understand the cycles we might be stuck in, and how we can break them.

Get your event tickets here: https://www.trybooking.com/events/landing/1379832?embed

Join the Wardrobe Project waitlist here: https://mailchi.mp/7dbdeba873ab/atq5ho25bz

Download Carted and start your wishlist today: https://www.carted.com/

Where to find Maddy:

Instagram: @_madaboutfashion

TikTok: @madaboutfashion

Website: www.mad-aboutfashion.com.au

Where to find Emma:

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @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 Master Your Style, Master Your Spending mini series, celebrating our upcoming Melbourne event this May, hosted by me, Emma Edwards, and my cohost and stylist, Maddy Forster. In this episode we're starting off in your wardrobe, exploring what we can learn from the things we already have. From what to do with those items you don't wear but can't let go of, to what we can learn from the things we do and don't feel good in, you'll leave this ep hungry to go and get stuck into your wardrobe and audit your clothes.

Get your event tickets here: https://www.trybooking.com/events/landing/1379832?embed

Join the Wardrobe Project waitlist here: https://mailchi.mp/7dbdeba873ab/atq5ho25bz

Download Carted and start your wishlist today: https://www.carted.com/

Where to find Maddy:

Instagram: @_madaboutfashion

TikTok: @madaboutfashion

Website: www.mad-aboutfashion.com.au

Where to find Emma:

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @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.

Melbourne style and spending event tickets are on sale now!!! Early bird until 7 April https://www.trybooking.com/events/landing/1379832?embed 

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.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

See omnystudio.com/listener for privacy information.

In this episode, I dive into the critical difference between explanations and excuses when it comes to our financial situations. I explore how identifying this difference can transform our money mindset, help us take meaningful action, and prevent future regrets. By learning to shift from excuse-making to explanation-seeking, we can break through psychological barriers and create genuine financial progress.

Episode Highlights:

1. Explanations vs. Excuses: I break down how explanations clarify with facts and context, while excuses shift responsibility and provide psychological comfort that ultimately holds us back.
2. The Self-Employment Example: I share my personal tendency to use "I'm self-employed, so it's harder" as an excuse, and how transforming this into an explanation creates actionable pathways forward.
3. Four Questions to Identify Excuses: I provide a framework to determine if you're making excuses or giving explanations, including asking if it's specific, if there's a way forward, if you'll stand by it in five years, and if there's anything you're not telling yourself.
4. The Future Self Perspective: I discuss how our future selves will thank us for turning excuses into explanations that we can act upon, rather than letting opportunities pass us by.
5. Life's Regrets: I reference Bronnie Ware's "Top Five Regrets of the Dying" to highlight how excuse-making can lead to unfulfilled dreams and missed opportunities for meaningful connections.

What you will learn:

• How to differentiate between legitimate explanations and limiting excuses in your financial life
• Practical techniques to transform your excuses into explanations that enable action
• Why psychological comfort from excuses can lead to long-term regret
• How to balance accepting real financial challenges while still moving forward

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @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.

When are we buying to fix ourselves, and when are we "investing in ourselves"? In this solo episode I dive into the sometimes-dangerous advice I see on social media about "investing in yourself" (which is basically just fixing yourself and/or emotional spending in disguise), and unpack the differences between healthy investments in yourself and toxic pseudo investments in yourself. Then, we move onto a model you can use to explore 7 ways you can invest in yourself in a meaningful way, and side step that toxic side of self-investment. 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @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 part two of this slap-a-dappin episode on self-image and financial health, I explore four additional powerful strategies to build self-acceptance and stop the cycle of emotional spending. Building on the foundation laid in part one, this episode dives deeper into identifying your "fantasy self," recognising spending triggers, working with what you already own, and developing a framework to intercept negative self-talk. Discover how liking yourself more can become your financial superpower and free up mental space previously consumed by self-criticism.

What you will learn: 

• How to identify your "fantasy self" and break the spending cycle tied to that unrealistic image
• Techniques to recognise and distance yourself from triggers that lead to emotional spending
• Why working with what you already own can radically shift your relationship with yourself
• A practical A.A.D.E. framework (Acknowledge, Articulate, Dispute, Evidence) to intercept negative self-talk
• The connection between self-acceptance and improved financial decision-making

Episode Highlights

• How identifying your "fantasy self" can help you intercept emotional spending before it happens (5:40)
• Why your triggers for disliking yourself are powerful clues for changing your relationship with money (12:30)
• The radical act of deciding you can like yourself with what you already own (18:20)
• Introduction of the A.A.D.E. framework for transforming negative self-perception (22:35)
• Why liking yourself is actually a "cheat code" for financial wellbeing (28:15)
• My personal journey from self-criticism to neutrality and how it transformed my spending (30:25)
• The connection between women's self-image struggles and engagement with personal finance (32:10)

Mentioned in this episode: The Spending Trap of Your Fantasy Self episode: https://thebrokegeneration.com/blog/episodes/friday-faves-the-spending-trap-of-your-fantasy-self/?portfolioCats=362

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @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.