In this episode I'm talking about a VERY important part of any goal: the pointless phase (don't worry, I'll explain). Nobody ever speaks about this aspect of personal finance, and often the advice we hear is coming from people on the other side of that struggle, leaving us psychologically disconnected from what we're being told. When we learn to recognise the pointless phase when we're in it, we can stay the course, get over the pointless hump, and finally start seeing progress. 

In this episode I'm talking about a VERY important part of any goal: the pointless phase (don't worry, I'll explain). Nobody ever speaks about this aspect of personal finance, and often the advice we hear is coming from people on the other side of that struggle, leaving us psychologically disconnected from what we're being told. When we learn to recognise the pointless phase when we're in it, we can stay the course, get over the pointless hump, and finally start seeing progress.&nbsp;

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

Good With Money

Feel good finance podcast, packed with frank and honest money conversations, and practical tips to help you get Good With Money. Hosted by Certified Financial Behaviour Specialist and author of Good With Money, Emma Edwards, this show will help you heal your relationship with your finances, hack your brain, and start feeling confident with money.

Money psychology, budgeting, personal finance, money habits, human behaviour.

Feel good finance podcast, packed with frank and honest money conversations, and practical tips to help you get Good With Money. Hosted by Certified Financial Behaviour Specialist and author of Good With Money, Emma Edwards, this show will help you heal your relationship with your finances, hack your brain, and start feeling confident with money.
Money psychology, budgeting, personal finance, money habits, human behaviour.

Why the “pointless phase” is a critical part of any goal

In this episode, I reflect on five things I did around five years ago that are paying off in a big way now — from scrappy investing beginnings to mindset shifts that changed everything. It's a reminder that small, imperfect actions compound over time in ways you simply can't see when you're in the thick of it.

Key takeaways:
Starting to invest with just $5 a week can grow into something significant — consistency beats waiting for the "perfect" moment
Paying off debt isn't just about clearing a balance; it builds the behavioural habits that fund every financial goal that comes after
Delaying a lifestyle upgrade by even one or two years can mean making the move from a far stronger financial foundation
Staying in a "comfortable" job can be just as costly as staying in a bad one 
Letting go of a victim mindset around money (like "I just got unlucky") is what opens the door to actually changing your situation
The hardest part of any financial goal is the early stages — but looking back is one of the best tools for staying motivated to keep going.

In this episode, I reflect on five things I did around five years ago that are paying off in a big way now &mdash; from scrappy investing beginnings to mindset shifts that changed everything. It's a reminder that small, imperfect actions compound over time in ways you simply can't see when you're in the thick of it.
Key takeaways:
<ul>
<li>Starting to invest with just $5 a week can grow into something significant &mdash; consistency beats waiting for the "perfect" moment</li>
<li>Paying off debt isn't just about clearing a balance; it builds the behavioural habits that fund every financial goal that comes after</li>
<li>Delaying a lifestyle upgrade by even one or two years can mean making the move from a far stronger financial foundation</li>
<li>Staying in a "comfortable" job can be just as costly as staying in a bad one&nbsp;</li>
<li>Letting go of a victim mindset around money (like "I just got unlucky") is what opens the door to actually changing your situation</li>
<li>The hardest part of any financial goal is the early stages &mdash; but looking back is one of the best tools for staying motivated to keep going.</li>
</ul>

5 things I did with my finances 5 years ago that are paying off now

I'm not being dramatic when I say my side hustles changed my life and finances forever. They truly did, both from a numbers perspective and in terms of my career. But nothing happens overnight! In this episode I'm talking through the 4 main side hustles I've had that've changed my life forever, including tips and advice on getting started yourself, and insights from everything I've learned along the way.

I'm not being dramatic when I say my side hustles changed my life and finances forever. They truly did, both from a numbers perspective and in terms of my career. But nothing happens overnight! In this episode I'm talking through the 4 main side hustles I've had that've changed my life forever, including tips and advice on getting started yourself, and insights from everything I've learned along the way.

The 4 side hustles that changed my life and my finances

In this episode I'm joined by Trish Gregory from our new podcast partner, Hayes & Co, to talk all things personal insurances. Insurance is one of the less sexy sides of personal finance, but it can actually have a profound impact on your financial future. 

In this episode we talk about the role of insurance in building your financial confidence, the types of insurance you can get and what it can offer, and how to take insurance matters out of the too hard basket.

Book a meeting with Trish to discuss your insurance requirements: https://calendly.com/trish-hcis/initial-insurance-meeting-bg

Content contained in this episode is for educational purposes only and does not consider your personal circumstances.

Broke Media Pty, trading as The Broke Generation (ABN: 22 681 944 141) is a Corporate Authorised Representative No. 001322176 of Rask Licensing Pty Ltd (ABN: 32 681 073 478) (AFSL: 563 907). The information, tools and content provided are general financial advice only. That means the advice does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate before acting. Always read the PDS and TMD before making any decision. If you are unsure, seek personal financial advice from a licensed adviser. Please read our Privacy Policy and Financial Services Guide. Past performance is not indicative of future returns. Investing always carries risk of loss.

In this episode I'm joined by Trish Gregory from our new podcast partner, Hayes &amp; Co, to talk all things personal insurances. Insurance is one of the less sexy sides of personal finance, but it can actually have a profound impact on your financial future.&nbsp;
In this episode we talk about the role of insurance in building your financial confidence, the types of insurance you can get and what it can offer, and how to take insurance matters out of the too hard basket.
Book a meeting with Trish to discuss your insurance requirements: <a href="https://calendly.com/trish-hcis/initial-insurance-meeting-bg">https://calendly.com/trish-hcis/initial-insurance-meeting-bg</a>
Content contained in this episode is for educational purposes only and does not consider your personal circumstances.
Broke Media Pty, trading as The Broke Generation (ABN: 22 681 944 141) is a Corporate Authorised Representative No. 001322176 of Rask Licensing Pty Ltd (ABN: 32 681 073 478) (AFSL: 563 907). The information, tools and content provided are general financial advice only. That means the advice does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate before acting. Always read the PDS and TMD before making any decision. If you are unsure, seek personal financial advice from a licensed adviser. Please read our&nbsp;<a href="https://thebrokegeneration.com/privacy-policy/">Privacy Policy</a>&nbsp;and&nbsp;<a href="https://thebrokegeneration.com/financial-services-guide-fsg/">Financial Services Guide</a>. Past performance is not indicative of future returns. Investing always carries risk of loss.

Why the “pointless phase” is a critical part of any goal

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