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: https://us06web.zoom.us/rec/share/tIAhJgGu40-gtY4SrJxlMQq0UycCKpXnSh5bRSgDwIGmjnhU4wbAh8_zC8FsiwWq.yVaXeN4Vdc3XZAHf

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=8cfd172ad9473176be1ff7bdcdfd9f24&th=1&psc=1&hvocijid=8186753501660029287-1399822446-&hvexpln=74&tag=googshopuk-21&linkCode=df0&hvadid=696285193871&hvpos=&hvnetw=g&hvrand=8186753501660029287&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9220538&hvtargid=pla-2281435176378&psc=1&gad_source=1

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: 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 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 by Ramit Sethi) and how it can help you achieve bigger things
• Understanding your 'financial window' and how you can broaden your financial perspective
• Your version of freedom and security
• Net worth tracking and building on a net worth mindset

This miniseries was created in partnership with PocketSmith: the personal finance software for all walks of life. Head to www.pocketsmith.com/thebrokegeneration to try it for yourself.

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration

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

See omnystudio.com/listener for privacy information.

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 this episode

• Smart Spenders Club is open for late enrolment until January 31st: get your ticket to join us here: https://thebrokegeneration.com/smart-spenders-club/

Upcoming Sydney event tickets: https://events.humanitix.com/launch-party-know-your-worth-and-good-with-money?hxchl=mkt-sch&_gl=1*dkn9mg*_gcl_au*MTI3Nzg2NzMyMC4xNzM2ODk4MDU1*_ga*MTYxOTY4Mzc4NS4xNzM2ODk4MDU2*_ga_LHKW5FR9N6*MTczNjg5ODA1NS4xLjEuMTczNjg5ODA2NS41MC4wLjA.

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=8cfd172ad9473176be1ff7bdcdfd9f24&th=1&psc=1&hvocijid=8186753501660029287-1399822446-&hvexpln=74&tag=googshopuk-21&linkCode=df0&hvadid=696285193871&hvpos=&hvnetw=g&hvrand=8186753501660029287&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9220538&hvtargid=pla-2281435176378&psc=1&gad_source=1

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: 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 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 undefined reason, to use on an undefined date in the future, isn't something that comes naturally to us. Luckily, there are ways we can hack our brains to make saving fun and easy, and in this episode, I'm going to show you how.

Highlights:

• Gamifying saving to make it more fun
• Using a bundle strategy like the $1000 Project
• Creating momentum to keep yourself saving
• Building saving into your budget
• Learning to live below your means naturally
• Values-based saving
• Embracing a base camps vs climbs mentality

This miniseries was created in partnership with PocketSmith: the personal finance software for all walks of life. Head to www.pocketsmith.com/thebrokegeneration to try it for yourself.

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration

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

See omnystudio.com/listener for privacy information.

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 25 goals that are inspiring me—and maybe you—to approach life and finances with intention and creativity. Wardrobe challenges, quarterly resets, and everything in between—this year’s goals are all about finding clarity and creating meaningful change.

Episode highlights:

• Why I’m doing a no-clothes-buying year again, and what I learned last time.

• How to gamify fitness goals for consistency.

• The case for creating a quarterly reset routine to stay on track, for my finances and life in general.

• Setting bold yet flexible goals, like growing my Instagram community to 200,000 followers.

Ready to embrace your goals? Grab a cuppa and tune in.

Mentioned this ep:

Sophie Cliff's 'Create Your Joyful 5 Year Plan'

Check out my events in London and Sydney, including my book launch and a special session with Victoria (of The Comments Section fame)!

Order my book, Good with Money:

Australia: https://amzn.to/4eLOi5x

UK: https://www.amazon.co.uk/Good-Money-Reprogramme-Spending-Control

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: 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 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 expenses (and why it'll change your finances)
• The power of a payday routine and how to create one.

This miniseries was created in partnership with PocketSmith: the personal finance software for all walks of life. Head to www.pocketsmith.com/thebrokegeneration to try it for yourself.

Mentioned in this episode:

• Bill streamlining calculator https://docs.google.com/spreadsheets/d/1r01f70S_8lZd26uF8jl9YJeKDajbaxnu6lMU6T6Ml-4/template/preview?fbclid=IwY2xjawHofH5leHRuA2FlbQIxMAABHddgIKqo9AZbF6VUWZnRR1LBO85p_kgGlAyRlgh2RxkulIFGHSblhyJ95g_aem_u30LQQdDI5dKl72vC5k83w

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: 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, 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 audio quality. Recording on the go is not my friend.

With thanks to our sponsors, Wallace Advocates and Lending Solved.

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.

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 and money with clarity and purpose.

I’ll share why I love this practice, how to reflect on what you really want, and prompts to help you find your perfect word. Whether you’ve got one in mind or have no clue where to start, this episode will help you get there.

Mentioned in this episode:

Reflect & Reset: The Workshop, now available on demand! 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=8cfd172ad9473176be1ff7bdcdfd9f24&th=1&psc=1&hvocijid=8186753501660029287-1399822446-&hvexpln=74&tag=googshopuk-21&linkCode=df0&hvadid=696285193871&hvpos=&hvnetw=g&hvrand=8186753501660029287&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9220538&hvtargid=pla-2281435176378&psc=1&gad_source=1

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: 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.