This week we’re cutting through the delulu about manifestation, money beliefs, and the practicalities of financial growth. Dissecting the difference between productive manifestation and delusional thinking, we’re emphasising the necessity of putting in the work to achieve your goals. It’s important to adopt a balanced approach, and recognise that while manifestation can set the stage for progress, it has to be accompanied by proactive steps towards your goals. We also look at societal influences on money beliefs, particularly for women across different generations and the generational shifts currently happening in attitudes towards financial autonomy.

This episode isn’t a gloomy take-down of manifestation, but an encouragement to think more critically about your attitude to ‘making this happen’. If this episode has got you curious about how you can add manifestation into you life, check out this episode Emma did with Kira Matthews: https://thebrokegeneration.com/blog/episodes/a-no-bs-guide-to-manifestation-with-kira-matthews-recast/?portfolioCats=362

Don’t forget to let us know your thoughts on our socials, and also let us know what else you’d like us to discuss in the comments section!



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.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

This week we’re cutting through the delulu about manifestation, money beliefs, and the practicalities of financial growth. Dissecting the difference between productive manifestation and delusional thinking, we’re emphasising the necessity of putting in the work to achieve your goals. It’s important to adopt a balanced approach, and recognise that while manifestation can set the stage for progress, it has to be accompanied by proactive steps towards your goals. We also look at societal influences on money beliefs, particularly for women across different generations and the generational shifts currently happening in attitudes towards financial autonomy.
This episode isn’t a gloomy take-down of manifestation, but an encouragement to think more critically about your attitude to ‘making this happen’. If this episode has got you curious about how you can add manifestation into you life, check out this episode Emma did with Kira Matthews: <a href="https://thebrokegeneration.com/blog/episodes/a-no-bs-guide-to-manifestation-with-kira-matthews-recast/?portfolioCats=362">https://thebrokegeneration.com/blog/episodes/a-no-bs-guide-to-manifestation-with-kira-matthews-recast/?portfolioCats=362</a>
Don’t forget to let us know your thoughts on our socials, and also let us know what else you’d like us to discuss in the comments section!
 
Where to find Emma
Website: <a href="https://thebrokegeneration.com/?v=518f4a738816">https://thebrokegeneration.com/?v=518f4a738816</a>
Instagram: <a href="https://instagram.com/the.brokegeneration">https://instagram.com/the.brokegeneration</a>
TikTok: @the.brokegeneration 
<a href="https://www.booktopia.com.au/good-with-money-emma-edwards/book/9781761069741.html?irclickid=zopQlNUxJxyPRLx0C3XQa1a4UkFXPtypOwFfWc0&amp;utm_campaign=The%20Broke%20Generation&amp;utm_medium=affiliate&amp;utm_source=Impact&amp;bk_source=5023554&amp;bk_source_id=5023554&amp;irgwc=1">Order my book, Good with Money!</a>
Sign up to The Glue: the weekly money psychology and mindset newsletter<a href="http://www.thebrokegeneration.com/subscribe"> www.thebrokegeneration.com/subscribe</a>, where you’ll also get your free Financial Values workbook.
Where to find Victoria
Instagram: <a href="https://www.instagram.com/bad.bitch.money/?hl=en">https://www.instagram.com/bad.bitch.money/?hl=en</a>
Newsletter: <a href="https://substack.com/@victoriashakeshaft?utm_source=podcast&amp;utm_medium=notes&amp;utm_campaign=tbg">https://substack.com/@victoriashakeshaft</a>

Feel good finance podcast, packed with frank and honest money conversations, and practical tips to help you be better with money.

The Broke Generation

Manifesting and being delulu, how much is too much? The Comments Section with Emma and Victoria

In this episode, I introduce the concept of a "spending runway," a term I coined to describe how certain situations and emotions can lead us to spend more money as momentum builds. These runways exist everywhere, from airport shopping and home styling to event planning and beyond. For instance, an initial purchase at an airport can lead to a cascade of spending on food, magazines, and souvenirs. Similarly, starting a home renovation project can trigger a series of additional purchases as you strive for the perfect look. By recognising these spending runways, we can become more mindful of our financial decisions and intercept unnecessary expenses before they spiral out of control. I share practical tips (that I've actually tried!) to help you identify these patterns in your own life, so you can take control of your spending habits. Tune in to discover how understanding your spending runways can lead to more intentional and satisfying financial choices.

On another note, my wardrobe challenge has entered a new era… Introducing The Wardrobe Project. Find out more and register here: https://thebrokegeneration.com/product/the-wardrobe-project/

Episode highlights:
Discussion on how social settings, like attending events or gatherings, can create spending runways due to peer pressure or the desire to fit in.
Insights into how retailers design environments to create spending runways, such as strategic product placements and promotions..
Introduction of specific budgeting techniques to counteract spending runways, such as setting spending limits and using cash instead of cards.

“The airport is a really great example of an environment that creates a spending runway, not only when we're at the airport does money feel like Monopoly money like it doesn't count. We're also in the mindset of we're on holiday, we're on vacation, we can do whatever we want. This doesn't count..."
Emma [10:50]

“You go in for one thing, which in this instance is fairly rational. Maybe you don't need the sandals, maybe you do. It's neither here nor there, but that purchase and that environment and that intention then creates further subsequent purchases."
Emma [13:06]

“We like to buy, but we don't actually like to style. We think that we buy style, but we actually create style with what we've got."
Emma [30:46]

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.

In this episode, I introduce the concept of a "spending runway," a term I coined to describe how certain situations and emotions can lead us to spend more money as momentum builds. These runways exist everywhere, from airport shopping and home styling to event planning and beyond. For instance, an initial purchase at an airport can lead to a cascade of spending on food, magazines, and souvenirs. Similarly, starting a home renovation project can trigger a series of additional purchases as you strive for the perfect look. By recognising these spending runways, we can become more mindful of our financial decisions and intercept unnecessary expenses before they spiral out of control. I share practical tips (that I've actually tried!) to help you identify these patterns in your own life, so you can take control of your spending habits. Tune in to discover how understanding your spending runways can lead to more intentional and satisfying financial choices.
On another note, my wardrobe challenge has entered a new era… Introducing The Wardrobe Project. Find out more and register here: <a href="https://thebrokegeneration.com/product/the-wardrobe-project/">https://thebrokegeneration.com/product/the-wardrobe-project/</a>
Episode highlights:
<ul>
<li aria-level="1">Discussion on how social settings, like attending events or gatherings, can create spending runways due to peer pressure or the desire to fit in.</li>
<li aria-level="1">Insights into how retailers design environments to create spending runways, such as strategic product placements and promotions..</li>
<li aria-level="1">Introduction of specific budgeting techniques to counteract spending runways, such as setting spending limits and using cash instead of cards.</li>
</ul>
“The airport is a really great example of an environment that creates a spending runway, not only when we're at the airport does money feel like Monopoly money like it doesn't count. We're also in the mindset of we're on holiday, we're on vacation, we can do whatever we want. This doesn't count..." Emma [10:50]
“You go in for one thing, which in this instance is fairly rational. Maybe you don't need the sandals, maybe you do. It's neither here nor there, but that purchase and that environment and that intention then creates further subsequent purchases." Emma [13:06]
“We like to buy, but we don't actually like to style. We think that we buy style, but we actually create style with what we've got." Emma [30:46]
Where to find The Broke Generation
Website: <a href="https://thebrokegeneration.com/?v=518f4a738816">https://thebrokegeneration.com/?v=518f4a738816</a>
Instagram: <a href="https://instagram.com/the.brokegeneration">https://instagram.com/the.brokegeneration</a>
TikTok: @the.brokegeneration 
<a href="https://www.booktopia.com.au/good-with-money-emma-edwards/book/9781761069741.html?irclickid=zopQlNUxJxyPRLx0C3XQa1a4UkFXPtypOwFfWc0&amp;utm_campaign=The%20Broke%20Generation&amp;utm_medium=affiliate&amp;utm_source=Impact&amp;bk_source=5023554&amp;bk_source_id=5023554&amp;irgwc=1">Order my book, Good with Money!</a>
Sign up to The Glue: the weekly money psychology and mindset newsletter<a href="http://www.thebrokegeneration.com/subscribe"> www.thebrokegeneration.com/subscribe</a>, where you’ll also get your free Financial Values workbook.

Are "spending runways" draining your money?

In the final episode of The Comments Section, we dive headfirst into the complex nature of success. We start by exploring our personal definitions of success and how they vary, from simply getting through a tough day to making a long-term impact. We discuss the surprisingly positive power of revenge as a motivator to prove people wrong and achieve our goals. Though ‘revenge’ has negative associations, it can be a very satisfying driver of success, whether it’s in lifestyle, assets, or career, as long as you keep yourself in check.

Emma also flexes her financial psychology muscles, discussing how our comfort zones around money shape our beliefs and behaviours. We touch on revenge consumption, examining how you can align your spending motivations with personal values rather than trying to prove yourself to others. We also reflect on when it’s time to pump the brakes on your revenge/success journey, emphasising the importance of regular check-ins to see your progress and setting firm milestones to properly celebrate your achievements.

If you loved this series and want to see more, let us know! Is there a topic you want us to cover, jump over to our socials and let us know.

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.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

In the final episode of The Comments Section, we dive headfirst into the complex nature of success. We start by exploring our personal definitions of success and how they vary, from simply getting through a tough day to making a long-term impact. We discuss the surprisingly positive power of revenge as a motivator to prove people wrong and achieve our goals. Though ‘revenge’ has negative associations, it can be a very satisfying driver of success, whether it’s in lifestyle, assets, or career, as long as you keep yourself in check.
Emma also flexes her financial psychology muscles, discussing how our comfort zones around money shape our beliefs and behaviours. We touch on revenge consumption, examining how you can align your spending motivations with personal values rather than trying to prove yourself to others. We also reflect on when it’s time to pump the brakes on your revenge/success journey, emphasising the importance of regular check-ins to see your progress and setting firm milestones to properly celebrate your achievements.
If you loved this series and want to see more, let us know! Is there a topic you want us to cover, jump over to our socials and let us know.
Where to find Emma
Website: <a href="https://thebrokegeneration.com/?v=518f4a738816">https://thebrokegeneration.com/?v=518f4a738816</a>
Instagram: <a href="https://instagram.com/the.brokegeneration">https://instagram.com/the.brokegeneration</a>
TikTok: @the.brokegeneration 
<a href="https://www.booktopia.com.au/good-with-money-emma-edwards/book/9781761069741.html?irclickid=zopQlNUxJxyPRLx0C3XQa1a4UkFXPtypOwFfWc0&amp;utm_campaign=The%20Broke%20Generation&amp;utm_medium=affiliate&amp;utm_source=Impact&amp;bk_source=5023554&amp;bk_source_id=5023554&amp;irgwc=1">Order my book, Good with Money!</a>
Sign up to The Glue: the weekly money psychology and mindset newsletter<a href="http://www.thebrokegeneration.com/subscribe"> www.thebrokegeneration.com/subscribe</a>, where you’ll also get your free Financial Values workbook.
Where to find Victoria
Instagram: <a href="https://www.instagram.com/bad.bitch.money/?hl=en">https://www.instagram.com/bad.bitch.money/?hl=en</a>
Newsletter: <a href="https://substack.com/@victoriashakeshaft?utm_source=podcast&amp;utm_medium=notes&amp;utm_campaign=tbg">https://substack.com/@victoriashakeshaft</a>

Is success the best revenge? The Comments Section with Emma and Victoria

Ever wish you could do a quick return on investment calculation on that roomier flight ticket you’re eyeing off? It turns out, you kinda can! In this episode, I’m exploring the concept of Return on Investment (ROI) beyond its traditional business context, applying it to personal finance and everyday life. By adopting an ROI mindset, you can build financial confidence, wellness, and a positive relationship with your money. We'll dive into six key areas: spending, savings, debt, time, career, and self-investment. By making informed decisions tailored to your individual values and goals you can maximise those returns, regardless of whether they’re financial, lifestyle, or emotional. 

Thanks for investing your time listening to this episode and don't forget to give the ROI mindset a red hot go, and let me know what changes you're making over on socials!

Episode highlights:
Good debt or bad debt? Evaluating the ROI of debt can reveal whether it leads to valuable financial or lifestyle improvements.
Treating time as a currency allows you to make decisions that maximise your personal and professional returns.
Viewing yourself as an asset and investing in personal growth, skills, and well-being can yield significant long-term returns, enriching your life and career.

“Cultivating an ROI mindset allows you to assess how you are evolving and how you can evolve your financial behaviour to keep up with that evolution"
Emma [05:06]

“Having this transactional view of what am I putting in and what am I getting out can be really beneficial in helping you reclaim the decisions that you're making."
Emma [20:19]

“You are your own investment vehicle, baby. You can get yourself up and get stuff out of you that enriches your life."
Emma [27:14]



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.

Ever wish you could do a quick return on investment calculation on that roomier flight ticket you’re eyeing off? It turns out, you kinda can! In this episode, I’m exploring the concept of Return on Investment (ROI) beyond its traditional business context, applying it to personal finance and everyday life. By adopting an ROI mindset, you can build financial confidence, wellness, and a positive relationship with your money. We'll dive into six key areas: spending, savings, debt, time, career, and self-investment. By making informed decisions tailored to your individual values and goals you can maximise those returns, regardless of whether they’re financial, lifestyle, or emotional. 
Thanks for investing your time listening to this episode and don't forget to give the ROI mindset a red hot go, and let me know what changes you're making over on socials!
Episode highlights:
<ul>
<li aria-level="1">Good debt or bad debt? Evaluating the ROI of debt can reveal whether it leads to valuable financial or lifestyle improvements.</li>
<li aria-level="1">Treating time as a currency allows you to make decisions that maximise your personal and professional returns.</li>
<li aria-level="1">Viewing yourself as an asset and investing in personal growth, skills, and well-being can yield significant long-term returns, enriching your life and career.</li>
</ul>
“Cultivating an ROI mindset allows you to assess how you are evolving and how you can evolve your financial behaviour to keep up with that evolution" Emma [05:06]
“Having this transactional view of what am I putting in and what am I getting out can be really beneficial in helping you reclaim the decisions that you're making." Emma [20:19]
“You are your own investment vehicle, baby. You can get yourself up and get stuff out of you that enriches your life." Emma [27:14]
 
Where to find The Broke Generation
Website: <a href="https://thebrokegeneration.com/?v=518f4a738816">https://thebrokegeneration.com/?v=518f4a738816</a>
Instagram: <a href="https://instagram.com/the.brokegeneration">https://instagram.com/the.brokegeneration</a>
TikTok: @the.brokegeneration 
<a href="https://www.booktopia.com.au/good-with-money-emma-edwards/book/9781761069741.html?irclickid=zopQlNUxJxyPRLx0C3XQa1a4UkFXPtypOwFfWc0&amp;utm_campaign=The%20Broke%20Generation&amp;utm_medium=affiliate&amp;utm_source=Impact&amp;bk_source=5023554&amp;bk_source_id=5023554&amp;irgwc=1">Order my book, Good with Money!</a>
Sign up to The Glue: the weekly money psychology and mindset newsletter<a href="http://www.thebrokegeneration.com/subscribe"> www.thebrokegeneration.com/subscribe</a>, where you’ll also get your free Financial Values workbook.

Manifesting and being delulu, how much is too much? The Comments Section with Emma and Victoria

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