The Broke Generation

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.com/listener for privacy information.

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 overspending and underspending. The value of celebrating unconventional achievements unapologetically. Using business strategies to make intentional life and financial decisions. If you’ve ever struggled to manage your money or felt unsure about celebrating your wins, this episode will leave you inspired and equipped to rethink your approach. With thanks to our sponsors, Wallace Advocates and 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/@victoriashakeshaft You can pre-order Victoria's book here: Know Your Worth, Victoria Vivente (9781923022430) — Readings BooksSee omnystudio.com/listener for privacy information.

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-with-money-tickets-1112444364039 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://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@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 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 convenience on our own terms, without the hefty price tag. From rethinking the convenience of certain purchases to offering simple, budget-friendly solutions, we share ideas on how to simplify life without sacrificing quality. We want to know—what’s your ultimate modcon? Hit us up on socials and let us know! With thanks to our sponsors, Wallace Advocates and 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/@victoriashakeshaft Victoria has also been a busy bee and written a whole damn book! You can pre-order here: Know Your Worth, Victoria Vivente (9781923022430) — Readings BooksSee omnystudio.com/listener for privacy information.

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/good-with-money-book-launch-special/?portfolioCats=362  Reflect & Reset two part workshop: https://thebrokegeneration.com/product/reflect-reset-2024/ 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-power-over-money-productivity-tickets-1111285026429?aff=oddtdtcreator  Good With Money Launch Party, Friday 17th January at The Hearth, North London: https://www.eventbrite.com/e/book-launch-good-with-money-tickets-1112444364039  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://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@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.

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, this conversation will challenge how you measure worth and success. Plus, Victoria shares the scoop on her upcoming book, Know Your Worth, a deep dive into healing your relationship with money and yourself. You can pre-order here: Know Your Worth, Victoria Vivente (9781923022430) — Readings Books Episode highlights: The surprising economics of generational “hotness.” Why saving while paying off debt can shift your money mindset. The myth of a financial finish line and the beauty of ongoing growth. With thanks to our sponsors, Wallace Advocates and 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 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://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@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.

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 salon nails. DIY gel kits, builder gels, and pro shaping skills - what’s really worth your time, energy, and coin? Plus, we talk about finding a balance between aesthetics and practicality, whether it’s sticking with simple staples or treating yourself to the occasional indulgence. Grab your Sicilian olives and settle in for a zesty chat! With thanks to our sponsors, Wallace Advocates and 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/@victoriashakeshaft Victoria has also been a busy bee and written a whole damn book! You can pre-order here: Know Your Worth, Victoria Vivente (9781923022430) — Readings BooksSee omnystudio.com/listener for privacy information.

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 the back of the US election and a worrying economic outlook Are our intentions around Black Friday spending actually playing out in our behaviour? Some research suggests we will see more spending than Black Friday 2023, especially in a younger cohort The surprising reason sales have started earlier than ever Why brands are having to get more creative to get us to buy – and why it's working How to navigate your emotions around sale season spending Managing loss aversion and regret avoidance Remembering that life goes on Double dipping with cashback and gift card discounts Why browsing is the real danger zone Supplementary spending, momentum spending and spending runways The difference between discounts and savings Mentioned in this episode: Join TopCashback for a $10 cashback bonus: https://www.topcashback.com.au/ref/thebrokegen  Join ShopBack  to get cashback on your purchases ($5 bonus in new user challenge): https://app.shopback.com/6HkWpKKpPOb 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://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@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, 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://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.

While on my whirlwind UK adventure, I had the chance to catch up with Kira Matthews, a very popular previous guest on the podcast. Kira, a mindset and manifestation coach, is back to share more of her practical wisdom on bridging the gap between who we are now and who we want to become. In this episode, we unpack how to rewrite the narrative of your life, focusing on understanding your identity and making intentional, incremental changes. Kira explains why overnight transformations often fail and highlights the value of embracing discomfort as part of growth. Together, we’re tackling perfectionism, reframing limiting beliefs, and building the confidence to move forward. If you’ve been feeling stuck or unsure how to take the next step toward your goals, this episode is packed with insights to help you start rewriting your story today. Episode highlights: How understanding your identity drives transformation. Why small, intentional changes lead to lasting growth. Practical strategies to overcome perfectionism and self-doubt. “When I think about changing your story, it's about suddenly being aware of all of these characters, this setting, this scene, this story, the beginning and the end, and saying, actually, I want something new."Kira [05:32] “Perfectionists avoid trying to do something the first time because they’re attempting to navigate that inner critic - that’s so out of control."Kira [24:25] “Co-working spaces have been really good for me—being around people who are also self-employed—because otherwise it’s so isolating, and you do feel like you’re wrong."Emma [42:12] Missed the previous episode with Kira? Check it out here or search for Episode 61 ‘Can you really manifest money? A no BS guide to manifestation, with Kira Matthews’. Where to find Kira Matthews Website: https://www.kiramatthews.com/ No Room For Doubt Podcast: https://www.kiramatthews.com/podcast Instagram: https://www.instagram.com/kirathebold/ 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.

SURPRISE!!!! WE'RE BACK BABY! Yep, welcome to season 3 of The Comments Section. You're joined by your two favourite chaos queens, Emma and Victoria. In our first eppy back, we're talking about your past, present and future self, and how the different versions of ourselves relate to our finances. Plus, we unpack the rise of the weight loss wonder drug, and question what it'll do for body acceptance, plus size fashion, and our relationship with who we are. Thanks to our sponsors, Wallace Advocates and 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 may be my FAVOURITE solo ep I've ever recorded. 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 the first time ever  Order GOOD WITH MONEY: https://amzn.to/4eLOi5x  Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@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, your ears are being blessed once again by Laura Ann Moore, the UK-based financial wellbeing coach, educator and your money bestie. Laura shares her approach to transforming our relationships with money and building wealth while staying true to our values. We explore how financial security and freedom look different for everyone - and why it’s essential to define what it means personally before working toward it. From practical budgeting strategies to reframing spending habits, Laura discusses the mindset shifts needed to make intentional choices with money that align with a fulfilling life. Episode highlights: Shifting focus from chasing income to defining your version of financial freedom How category limits shape our spending habits Practical strategies to avoid extreme saving or spending “Feeling good about money means something different to everyone… The work around feeling good about money is knowing what it means to you, and you can only do that by exploring money on a deeper level than just numbers and spreadsheets."Laura [04:46] “To one person, freedom is digital nomads travelling the world, going to a new place every year, every month, every week, whatever. To the next person, freedom means staying at home with the kids and leaving their 9 to 5."Emma [07:34] “It all just comes down to reframing how you view spending, investing, saving and just money in general and what each of those things mean."Laura [23:18] “When you actually look at handing over real money for those things, it can actually highlight when what you want is actually not that thing."Emma [32:09] Missed the previous episode with Laura? Check it out here or search for Episode 92 ‘The psychology of saving money, with Laura Ann Moore’. Where to find Laura Ann Moore Website: https://www.mindmoneysoul.co.uk/ Podcast: https://www.mindmoneysoul.co.uk/podcastInstagram: https://www.instagram.com/laura_ann_mooreTiktok: https://www.tiktok.com/@lauraannmoore 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 ep I'm taking you through 6 juicy ways to hack your brain and find money solutions that work for YOU. We can know all the solutions and all the strategies, but if we're not actually DOING it, it's all for nothing. You know what I always say, getting to know yourself is an act of financial empowerment – and that's what we're doing today. Getting to know yourself and your brain so we can find techniques for managing your money that make sense to you and elicit that all important "click" moment.  A quick PS: this episode was originally a free masterclass taught inside my Spend-tember challenge, but I know you're gonna love it as a podcast, too.  Order my book, Good with Money! Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@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, I’m joined by Kate Browne, head of research and insights at Compare Club, to explore the real impact of buy now, pay later services on our everyday financial habits. What started as a tool for spreading the cost of larger purchases has crept into everyday essentials like groceries and fuel. But how is this changing the way we think about spending and budgeting? Kate and I dive into the hidden consequences of relying on these services, from juggling multiple payments to losing sight of the true cost of things. It’s not just those facing financial difficulties - many people with higher incomes are now turning to buy now, pay later instead of traditional credit options. Why is that? And what does it say about our changing relationship with money? We also look at the potential long-term impacts, especially on younger generations, and how these services might be reshaping financial behaviour for years to come. Today we cover: How buy now, pay later services are becoming part of everyday life. The effect on spending habits across all income levels. What we should be aware of as these services grow in popularity. “Some people said they were using it daily. And this is really showing that buy now, pay later isn't sort of a nice-to-have tool, but it's really ingrained as a financial tool for people to get from paycheck to paycheck."Kate [03:56] “It's very, very easy to lose control and even in people who are generally good with money, once you kind of lose control, it's really hard to get it back or it's even easier to put your head in the sand."Kate [08:03] “The relationship we have with our phones, we're on them all the time. So paying with them doesn't feel like anything out of the ordinary."Emma [23:14] Where to find Kate Website: https://compareclub.com.au/expert-analysis/author/kate-browne/ 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 bonus episode I take you through five key things you can gain from unpacking your relationship with clothing spending, and tell you about the next round of The Wardrobe Project that's kicking off on October 28th. Highlights: The joy we think we feel from buying clothes isn't REAL joy! The mental lightness that comes from shutting out the noise of consumption How you can free up money for things you actually want Why you won't be thinking about that blazer on your deathbed Why our bodies are on trial every time we purchase clothes JOIN THE WARDROBE PROJECT HERE: https://mailchi.mp/1913ab5d92b6/the-wardrobe-projectSee omnystudio.com/listener for privacy information.

There are ten weeks left of 2024! How good would it feel to start 2025 with a $1000 headstart on whatever you want to work towards, or have $1000 saved up and ready to enjoy as an end of year treat!? WELL, in this episode we're making it happen. By building up momentum and approaching a short term goal from an opportunity perspective, we can make big progress without too much sacrifice... and this episode is going to give you all the tips, motivation and energy you need to hop on board.  Mentioned in this episode:  The Wardrobe Project, enrolling October 28th:  https://mailchi.mp/1913ab5d92b6/the-wardrobe-project Broke Gen Baddies Facebook Group: https://www.facebook.com/share/g/rErfbtizRDMYPGnV/See omnystudio.com/listener for privacy information.

In today's episode, we're going down memory lane back to one of the early early episodes of the podcast for a book club-style chat about one of my all-time favourite reads, Atomic Habits by James Clear. This was episode ELEVEN of the show so do forgive my under-developed podcasting style in this episode, but it's still an enjoyable listen! Atomic Habits is about behaviour change in general, but it also contains helpful insights for reshaping how we approach money. Instead of going for that crash diet mindset - cutting everything out for a short-term win - this episode is all about making better financial habits a natural part of your day-to-day life. I break down Clear’s four laws of behaviour change - Make It Obvious, Make It Attractive, Make It Easy, and Make It Satisfying - and share practical ways to apply them to your financial world. Whether you’re looking to save more or spend smarter, this episode is packed with actionable tips and bite-sized wisdom to help you build lasting change. Perfect if you're ready to level up your money mindset! Book mentioned: Atomic Habits by James Clear Also order Good With Money! 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, I sit down with Jessie Leong, known as howifundthis on Instagram, to explore a common yet often overlooked financial struggle - money anxiety and the fear of spending. We discuss the challenges of hoarding money for security and how it affects those who identify more as savers rather than spenders. Jessie shares her personal journey, from growing up with the mindset of saving for a rainy day to grappling with the discomfort of parting with money. Together, we break down how to build a healthier, more balanced relationship with money, allowing for financial freedom without fear, shame, or anxiety. Episode highlights: Strategies to overcome money anxiety and scarcity mindset. The emotional challenges of being a natural saver. How to find balance between saving and spending. Where to find Jessie Website: https://howifundthis.com/Instagram: https://www.instagram.com/howifundthis 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.