Welcome back to another week in our wallets, where we take you through what we spent in a week, why, and how we felt about it after.

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!

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/@victoriashakeshaft

Book: Know Your Worth, Victoria Vivente (9781923022430) — Readings Books

See omnystudio.com/listener for privacy information.

In this final episode of my mini-series with financial advisor Jess Brady, we dive into the crucial but often overlooked topic of risk management and insurance. Jess shares her personal experience of becoming uninsurable and making insurance claims, highlighting why timing matters when it comes to protecting your financial future. We explore the different types of insurance available and how to balance protection with affordability.

Highlights:

• Why protecting your wealth is just as important as growing it
• The three key risk categories: income, assets, and expenses
• Jess's personal story of becoming uninsurable and claiming on income protection
• The reality of insurance claims processes and what insurers actually do
• A shocking private health insurance story that cost over $7,000 out of pocket

You will learn:

• How to objectively assess the financial risks you face in life
• The different types of insurance available and when you might need them
• Why getting insurance while young and healthy is crucial for your financial future
• How to find and work with insurance specialists rather than going it alone
• The importance of understanding what you're NOT covered for in any insurance policy

Join the September cohort of The Greenhouse here: https://courses.jessicabrady.com.au/TheGreenhouseMoneyGrowingProgramxTBG

Where to find me:

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 second episode of my mini-series with financial advisor Jess Brady, we explore the concept of a "Freedom Fund" and why investing doesn't have to be about becoming ultra-wealthy. Jess breaks down how to reframe investing as a tool for creating choices and opportunities in your life, rather than just chasing passive income. We discuss the psychological barriers that keep people from starting their investment journey and introduce Jess's six-step investment framework.

Highlights:

• Why Jess calls it a "Freedom Fund" instead of an investment portfolio
• The difference between "freedom from" and "freedom to" in financial planning
• How investing $5 can be a gateway to building wealth over time
• The shocking story of a gas station worker who built an $8 million portfolio
• Why market volatility preparation matters more than perfect timing

You will learn:

• How to reframe investing as a tool for creating life choices rather than just wealth accumulation
• The psychological barriers that prevent people from starting and continuing their investment journey
• Why consistency in investing matters more than sophisticated strategies
• How to prepare mentally for market downturns with a "sleep at night plan"

Join the September cohort of The Greenhouse here: https://courses.jessicabrady.com.au/TheGreenhouseMoneyGrowingProgramxTBG

Where to find me:

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 

Preorder my new book, The Wardrobe Project, coming November 26th! 

• 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 

**Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe 

See omnystudio.com/listener for privacy information.

In the first instalment of this three-part mini series, financial adviser and educator Jess Brady shares candid insights into her journey, experiences, and expertise. This episode sets the tone for an inspiring and practical series, where Jess unpacks lessons learned from building a career in finance, running her own business, and empowering others to take control of their money. 

Episode 1 focuses on your money memoir – all of those experiences and memories that form your relationship with money. Together we discuss the power of understanding your history with money and how it can unlock the softer skills of personal finance.

Join the September cohort of The Greenhouse here: https://courses.jessicabrady.com.au/TheGreenhouseMoneyGrowingProgramxTBG

See omnystudio.com/listener for privacy information.

In this episode we dissect the dynamic between a trust fund kid and a minimum wage worker, as depicted in a recent video by @Cut on Instagram: https://www.instagram.com/reel/DMx7GErP_QE/?igsh=MXZjcXVuNzVwb29qbg%3D%3D 

We explore why the rich feel the need to be vague when asked about their wealth, whether financial transparency more broadly is always a good thing, and the ways in which money doesn't guarantee happiness. 

See omnystudio.com/listener for privacy information.

In this voice-note style ramble, I unpack how the elusive idea of being "cool" can impact the way we spend our money, particularly if we've got old wounds from not being one of the cool kids in high school. From expensive hobbies to dressing for who you wished you were, there's still something so idealised about being "cool" even as an adult, and as years rattle by and we we ride the ups and downs of life, can "coolness" catch us out at any age?

Where to find me:

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.

New episode style alert! Join us as we take you through a week in our wallets: what we spent, why, and how we felt afterwards. You might love it, you might hate it, but we'll never know if we don't give it a whirl. Whack this on while driving, cleaning the kitchen or on your walk around the block when you hit your limit on work BS.

Like it? Slide into our DMs to let us know you want more!

See omnystudio.com/listener for privacy information.

This solo episode tackles the familiar feeling of wanting to self-soothe with spending - those moments when you're hurtling toward an "I need a little treat" purchase. I'm sharing 10 practical alternatives that combine behavioural redirects (techniques to help you move through the urge) and behavioural replacements (activities to focus on instead). Whether you're stress shopping, doom scrolling into purchases, or feeling that "fuck it, I'm just gonna order it" moment, this episode provides a toolkit to intercept those spending runways before they take off. The goal isn't to never spend again, but to regain control when your decisions don't feel like your own.

Key takeaways

• Learn to identify and name the emotions driving your spending urges
• Use movement and physical activity to shift your mental state
• Apply the "Tomorrow Rule" with positive, permission-focused language
• Channel creativity and use what you already own instead of buying new
• Create pause points between feeling the urge and taking action
• Build visual anchors that connect you to your bigger financial goals
• Replace the "see-want-buy" cycle with healthier behavioural patterns
• Complete small satisfying tasks to get dopamine hits without spending
• Understand that strong feelings don't equal facts about what you need

Mentioned in this episode: https://www.allrecipes.com/recipe/241038/microwave-chocolate-mug-cake/ 

Where to find me:

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.

Content warning: this episode discusses themes of cancer, mortality and fertility.

Welcome to another episode of That's Juicy and this week we have a very special guest, friend and colleague of mine, Chloe Adams from PocketSmith. Chloe joins us to share her experience of being diagnosed with ovarian cancer in her thirties, despite having said two weeks prior that she was the healthiest she's ever been. 

We discuss how such a life altering diagnosis affects your money mindset, your outlook on the future, and big life decisions, and explore how being financially prudent when you're healthy can pay off big time if you find yourself dealing with a serious illness.

I'm pleased to give one spoiler alert that this episode has a happy ending and Chloe is now cancer free.

Mentioned in this episode:

• Chloe's article for the Ovarian Cancer Foundation NZ: https://ovariancancerfoundation.org.nz/ovarian-cancer-story/ova-achiever-my-struggle-with-ovarian-cancer-at-32/
• PocketSmith: the personal finance software for all walks of life www.pocketsmith.com/thebrokegeneration 

See omnystudio.com/listener for privacy information.

The title of this episode is far more intellectual than the contents of it. You have been warned.

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!

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/@victoriashakeshaft

Book: Know Your Worth, Victoria Vivente (9781923022430) — Readings Books

See omnystudio.com/listener for privacy information.