In this episode I take you on a journey through the many evolutions of my personal finances so far, through the lens of the mindset shifts and identity upgrades I've undergone going from hot money mess to financially confident and building wealth. I go through the changes I made as I: Started fixing my finances once and for all Began paying off debt Finally paid off my debt Learned to save Invested small amounts Invested bigger amounts Went full time self employed and bought a brand new car for ...
Feb 27, 2025•1 hr 9 min•Ep. 233
We all know that dopamine drives our spending, whether it’s impulse shopping, online browsing, or grabbing a little treat just because. That quick hit of excitement can make spending feel effortless, while saving? Not so much. But what if we could flip the script and make saving just as rewarding as swiping our card? This week, I’m unpacking how to retrain your brain to crave financial wins instead of spending sprees. By understanding the psychology behind our money habits, we can start making s...
Feb 26, 2025•38 min•Ep. 232
This week's Friday Fave is an episode on how our fantasy self shows up in our spending habits! We're unpacking the concept of the "fantasy self" and exploring how it influences our financial behaviours and spending decisions. If you've participated in my wardrobe challenges, you might already be familiar with the idea of the fantasy self when it comes to clothing. But today, we're broadening that lens to see how it shows up in various aspects of our lives. Today I’m covering: Understanding the F...
Feb 20, 2025•37 min•Ep. 231
In this episode I'm taking you through 5 things I've learned since starting to track my spending again as part of running Smart Spenders Club! Highlights: how tracking can provide a helpful behaviour modifier why visuals can help you connect to the impact of your spending the dangers of avoidance and how tracking helps you face the music Smart Spenders Club has closed for enrolment now, but stay tuned for a potential second round later this year. See omnystudio.com/listener for privacy informati...
Feb 20, 2025•30 min•Ep. 230
Over the next 10 weeks, we're hitting replay on 10 of your most loved episodes, to give a little extra love to the eps that made the most difference in your lives and your finances throughout the four (yes FOUR!!) years of The Broke Generation podcast. First up we've got one of the most listened to eps of the podcast EVER... my round up of my year long wardrobe freeze. If you're new here, you're gonna love this one. If you've listened before, let it hit in a whole different way. Thank you so muc...
Feb 14, 2025•1 hr 6 min•Ep. 229
A common dilemma that plagues many of us on our journey to getting good with money is this: we finally save up some money, feel our first sense of financial confidence, finally start to feel things clicking into place... and then suddenly feel immense guilt and ickiness when it comes to spending money on things, even if we've saved up for them! This feeling is complete and utter proof of how money is NOT rational. In a purely mathematical sense, having money saved up for something is endlessly e...
Feb 13, 2025•37 min•Ep. 228
In this episode I'm taking you through 7 things I've learned in business that will supercharge your personal finances. Your mindset and perspective around money is super important in achieving financial confidence, and these 7 things I've picked up on since being a business owner stand out to me as things we can apply to our personal finances too. Highlights: Treating your life like a business to give you the clarity you need for success Allocating funds to your different life "departments" Bein...
Feb 05, 2025•38 min•Ep. 227
Get in loser we're quitting emotional spending and learning to spend our money in a way that adds to our lives, rather than lines the pockets of clever corporations – in the form of this masterclass replay. REMINDER: Smart Spenders Club late enrolment closes midnight Friday 31st Jan GMT, last chance join our inaugural round here: https://thebrokegeneration.com/smart-spenders-club/ If you enjoyed this episode and want to watch the slides that go with it, the Zoom replay link can be found here: ht...
Jan 30, 2025•57 min•Ep. 226
Welcome to the final episode of This is the year...! This week, we're going to get you thinking BIG PICTURE with your money. I'm talking letting go of financial fears, understanding and embracing your risk tolerance, and believing in more than a life living paycheck to paycheck. Highlights: Taking inspiration from the Financial Independence Retire Early movement to build a life you desire The concept of freedom, including the freedom FROM and freedom TO model Defining your 'rich life' (a concept...
Jan 28, 2025•41 min•Ep. 228
Is EVERYONE doing a no spend year in 2025?! It can feel like it from looking at your social feeds, but you don't have to feel pressured to join the ranks. In this episode I unpack the trend of people vowing to their TikTok followers that they're on a no-buy for 2025, explore the benefits of changing your relationship with spending, share some alternative ways to approach bettering your spending habits, and my hottest tips for getting the most out of a no/low/mindful buying period. Mentioned in t...
Jan 23, 2025•40 min•Ep. 224
Welcome back to This is the year...! This week we're exploring ways to make 2025 the year you SLAY your savings once and for all. Saving money is one of the most life changing skills you can learn – and yes, skill is the operative word here. We expect ourselves to know how to save automatically, but for most of us, it's just not that easy. The human brain isn't wired to delay gratification. We've evolved to use the resources we have to avoid losing them, and so saving money (resources) for an un...
Jan 21, 2025•36 min•Ep. 225
Welcome back to The Broke Generation ! It’s that time of year where I sit down and think about the year ahead, what I want to achieve, and how I plan to do it, letting you listeners in on that journey. This annual tradition is all about sharing my personal goals for the year, and 2025 is no different. If you’ve been here before, you know this is where I spill on everything from practical habits to big, dreamy aspirations, all with a pinch of fun and zero pressure. This year, I'm kicking off with...
Jan 15, 2025•48 min•Ep. 223
Welcome back to This is the year... This week is one of my FAVOURITE weeks of the miniseries – getting financially organised. Is this the year you stop chasing your budget like a napkin blowing away in the wind?! YES IT IS! In this episode, I share top tips for getting your financial admin in place to set yourself up for the year ahead. Highlights: The psychology of sinking funds and why you need them Why getting financially organised creates momentum in your finances How to streamline your expe...
Jan 14, 2025•24 min•Ep. 222
In this episode, we discuss our common personality trait of being a "pleasure to have in class" – that is, you were a pleasure to have in class as a child, and as an adult, you're hellbent on making a good impression, being polite, and rarely rocking the boat. But what happens when you DO need to rock the boat? And what happens when your inner pleasure to have in class collides with your inner raging feminist? We find out in this classically chaotic ep. Once again, please accept my apologies for...
Jan 10, 2025•52 min•Ep. 221
Welcome back to The Broke Generation podcast! This week, we’re talking all about choosing your word for the year - a trend that’s been around for a while, but one I think is genuinely worth the hype. You know that TikTok sound, “In the clurb we all fam”? Well, let this be the clurb where we’re all about intentional living and smashing financial goals, one thoughtful decision at a time. Picking a word isn’t just a cute exercise; it’s a way to set the tone for your year, helping you navigate life ...
Jan 08, 2025•24 min•Ep. 220
Welcome back to This Is The Year! This week we're exploring BUDGETS – most critically, finding a budget that works for YOU. There are tons of plug and play, cookie cutter budgets out there, and while those are great for getting you started, the real magic comes when you find a money management approach that works for you and your brain. In this episode, we're deep diving on four budget strategies, and unpacking what they are, why they work, and who they're best suited to: 50/30/20 budget Reverse...
Jan 08, 2025•50 min•Ep. 219
Hello chaos fam – welcome to the first episode of The Comments Section for 2025! In a slightly different flavour, in celebration of Victoria's book coming out, we're chatting about our book writing processes, how our books came to be, and the BTS on becoming authors. SYDNEY AND PERTH EVENT TICKETS COMING SOON! EMMA'S LONDON EVENT TICKETS Flip the Script: Reclaim Your Power Over Money & Productivity, with Emma Edwards and Sophie Cliff: https://www.eventbrite.com/e/flip-the-script-reclaim-your...
Jan 02, 2025•47 min•Ep. 218
Welcome to 2025!! In this episode I'm unpacking the power of pride (and the momentum it generates) in your personal finances and exploring what we can do to make ourselves proud this time next year. Mentioned in this episode: Reflect & Reset: The Workshop https://thebrokegeneration.com/product/reflect-reset-2024/ Order my book, Good with Money: Australia: https://amzn.to/4eLOi5x UK : https://www.amazon.co.uk/Good-Money-Reprogramme-Spending-Control/dp/1399822446/ref=asc_df_1399822446?mcid=8cf...
Jan 01, 2025•32 min•Ep. 217
Welcome to 2025 and welcome to This Is The Year... a miniseries I created in partnership with PocketSmith. Each Wednesday in January, I'm unpacking a money goal you might have, and exploring how we can make this year the year you achieve it. First up, we're talking getting debt free. In this episode, I'll walk you through some popular debt payoff strategies, explore the psychology around debt repayment, and how you can find a route to debt freedom that works for you. This miniseries was created ...
Dec 31, 2024•26 min•Ep. 216
Welcome to the annual end of year guided money reflection! Settle in with a cuppa, a notebook, and an open mind, and get ready to reflect on 2024. By looking back on what the year has held for our finances, we're able to set better goals for 2025 by meeting ourselves where we're at, doing more of what's working and less of what's not. Plus, by zooming out and looking at what this chapter of our money story has included, we can approach 2025 from the position of writing a better chapter than the ...
Dec 27, 2024•29 min•Ep. 215
Welcome to our final episode of 2024! I can only apologise if the audio is a little dodgy in this ep – classic case of not realising there was an issue until it was wayyyyyy too late. Nonetheless, all part of the chaos you know and love. Thanks for tuning into The Comments Section this year! Save the date on Thursday 6th February in Sydney CBD for a fun IRL event that you're gonna love! Have a happy and safe new year, and as Victoria Vivente says: wear your seatbelt. Over and out. See omnystudio...
Dec 26, 2024•31 min•Ep. 214
Welcome back to The Comments Section with your favourite chaos queens, Emma and Victoria! This week, we explore how money anxiety influences your spending habits, whether it’s splurging out of stress or holding back when you shouldn’t. We also unpack the importance of celebrating life’s non-traditional milestones and how viewing your life like a business—with a mission, values, and strategy—can help you take control of your finances and choices. Episode highlights: How money anxiety impacts both...
Dec 19, 2024•37 min•Ep. 213
Part 2 of the annual year in review is here - tune in to hear what went down in my life, money and business in July - December, and how I'm feeling as the year draws to a close. Mentioned in this episode: Flip the Script: Reclaim Your Power Over Money & Productivity event with Sophie Cliff: https://www.eventbrite.com/e/flip-the-script-reclaim-your-power-over-money-productivity-tickets-1111285026429?aff=oddtdtcreator Good With Money Launch Event: https://www.eventbrite.com/e/book-launch-good-...
Dec 18, 2024•56 min•Ep. 212
In this episode of The Comments Section , we explore the complexities of convenience and how it influences our spending choices. With the rise of modcons (modern conveniences, yes it's a real term!), we ask when paying for ease really adds value and when it’s just a clever marketing trap. We weigh the cost of time saved against the convenience of tech, gadgets, and delivery services, questioning if they truly solve our problems or create new ones. We also share practical ways to create convenien...
Dec 12, 2024•28 min•Ep. 211
It's here! The annual year in review episode where I take you on a journey through what 2024 has held in life, money and business. This is part one, January - June. Tune in next week for July - December! Mentioned in this episode: I hired a stylist and here's what happened: https://thebrokegeneration.com/blog/episodes/i-hired-a-stylist-heres-what-happened-and-what-it-taught-me-about-consumption/?portfolioCats=362 Good With Money book launch episode: https://thebrokegeneration.com/blog/episodes/g...
Dec 11, 2024•1 hr 4 min•Ep. 210
Welcome back to The Comments Section ! In this episode, we unpack what it really means to be good with money . Is it the numbers in your account, or is it the behaviours and attitudes you cultivate along the way? Inspired by personal stories and fresh insights, we explore how saving alongside debt repayment can rewire your relationship with money and why financial success is about progress, not perfection. From redefining financial goals to embracing the idea that change happens in the doing , t...
Dec 05, 2024•33 min•Ep. 209
It's December and you know what that means – REVIEW EPISODES ARE BACK! Settle in as I take you through my 24 goals I set for 2024 and whether I achieved them, failed colossally, or changed direction altogether. Order my book, Good with Money: https://amzn.to/4eLOi5x UK Preorder competition: win a Dyson Airwrap! https://www.johnmurraypress.co.uk/landing-page/good-with-money-pre-order-competition/ Where to find The Broke Generation Website: https://thebrokegeneration.com/ Instagram: https://instag...
Dec 04, 2024•48 min•Ep. 208
Welcome back to The Comments Section ! Emma and Victoria are dishing out another snack platter of chaos, starting with the glittering promises of the vitamin industry. From “energy boosters” to “skin saviors,” we’re pulling apart the marketing fluff and sharing our real experiences (spoiler: we’re still waiting for that miracle transformation). Are these pricey pills worth it, or is your fantasy self buying into the hype? Then we switch gears to the manicure paradox - the love-hate cycle of salo...
Nov 28, 2024•39 min•Ep. 207
The annual Black Friday episode is hereeeeee and I have got a juicy episode to help you stay financially savvy this sale season. Sales have started earlier than ever this year, so I'm dropping this episode slightly early to help you navigate it. I take you through some of the research and predictions about Black Friday 2024 spending, and then share 5 practical tips, 5 mindsets to embrace, and 5 traps to avoid. Highlights: Why this particular Black Friday is dangerous for our emotions, coming off...
Nov 26, 2024•45 min•Ep. 206
In this episode, V and I talk about the importance of planning and being intentional, whether in your day to day, or your wider life. Highlights: The significance of popping out unplanned and the consequences on your bank account Unplanned spending and leaking money Making big life decisions without a plan The importance of a plan A, B and even C Understanding your tolerance for risky decisions With thanks to our sponsors, Wallace Advocates and Lending Solved . Where to find Emma Website: https:...
Nov 21, 2024•30 min•Ep. 205
