The Broke Generation

Welcome to a new segment of the podcast, Emma's Dilemma! In these bitey eps I'll be answering your dilemmas with my behavioural and psychological wisdom. This week we're unpacking the dilemma of whether or not to use a voucher or a store reward, what to do when a considered purchase ends up being really disappointing, and what happens when you're on a wardrobe no-buy but you hate everything you own. Got a dilemma? Send it to podcast@thebrokegeneration.com with Emma's Dilemma in the subject line. Mentioned in this episode: https://thebrokegeneration.com/blog/episodes/financial-red-flags-in-a-relationship-with-respect-victoria/ Where to find me: Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! https://amzn.to/4jnBupb  **Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe See omnystudio.com/listener for privacy information.

Earlier this year, The Guardian published an article on Jo Nemeth: the woman who lives without money. Instead of engaging in paid work and using that income to pay for goods, services and shelter, she contributes to an intergenerational household with unpaid labour.  In this episode, we unpack the concept of living without money, including whether it's a giant leap forward to a society less hamstrung by late stage capitalism, or whether it's a sinister step backwards to a time when women lived without money under the control of their male partners.  Read the full article here: https://www.theguardian.com/lifeandstyle/2025/feb/01/meet-the-woman-who-lives-without-money-i-feel-more-secure-than-when-i-was-earning See omnystudio.com/listener for privacy information.

In this episode I share 6 tips on what to do when life is life-ing and all you want to do is avoid, sabotage, and spend all your money on things you know you don't need. I take you through a recent personal experience of feeling too overwhelmed to do the right thing for my finances and how I got myself out of that without shame or guilt. Highlights: Treating your emotions like they're a toddler having a tantrum Understanding the role of your sabotage behaviour Observing what your mind wants to do and why Using strategic permission to hold two truths at once and gradually shift your behaviour when you're ready. See omnystudio.com/listener for privacy information.

We're baaaaaaack! Well, kinda. While we're not back for a proper new season of The Comments Section, we've got a few special edition yaps that we'll be dropping for your listening pleasure over the coming weeks. Not a full meal, but a tasty morsel that leaves you wanting more (we hope).  In this episode, we're building on a topic we discussed at Victoria's recent book launch in Perth: is "Temu culture" destroying our relationship with money? Spoiler alert: yes. Highlights: The dangerous 'aestheticification" of our every aspect of our lives  Are fast homewares just as bad as fast fashion? Are our clothes really wearing out, or are we just not mending them? The sinister meaning behind Temu's tagline "shop like a billionaire" Where to find Emma Website: https://thebrokegeneration.com/See omnystudio.com/listener for privacy information.

In this 'That's Juicy' episode, I chat with mortgage broker Jess Bailey about the human side of home buying. We explore how personal circumstances shape financial decisions and how brokers can advocate for clients whose situations fall outside traditional lending norms.   Episode Highlights: The reality of social media credit card points discourse versus actual travel rewards How having children with special needs changes financial priorities and perspectives Navigating home loans for diverse relationship structures and non-traditional buyers Why understanding what you want your life to look like should inform property decisions Government schemes that can help first home buyers and single parents enter the market Where to find Jess: Instagram: @lendingsolved Website: https://www.lendingsolved.com.au/ 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! https://amzn.to/4jnBupbSee omnystudio.com/listener for privacy information.

In this follow-up episode, I share four more behavioural hacks to make managing money feel easier and more enjoyable. I explore psychological approaches that can transform your relationship with budgeting and saving while still living a life you love.   Episode Highlights: Why building small joys into your budget is essential for long-term financial success Creating a "dream budget" as a tool to identify what you truly value The "ins and outs" method for balancing financial priorities each month How visual connections to your goals can trigger powerful behavioral changes When taking a strategic "budget break" might actually benefit your financial journey 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! https://amzn.to/4jnBupbSee omnystudio.com/listener for privacy information.

Welcome to a 3-part mini series to celebrate our upcoming retreat in partnership with Yogable, The Money Sleepover this June! In episode one, we're giving you a taster of the types of money conversations we'll be having at the retreat and the type of vibe you can expect, by discussing the concept of a "silent dream". You know, that thing you always kinda wanted to do but think it's too late or that it'll never happen.  Highlights: What is a "silent dream" and how do we uncover ours? The things people regret not doing when they reach end of life Time is passing – why don't we act? The comfort zone of missed opportunity - The Money Sleepover is the ultimate women's financial wellness retreat, with all the fun of a sleepover from your youth, but for grown ups. Think: private chef, a sauna, yoga sessions, mindful crafts, facilitated money conversations and empowering finance workshops to help you live a life of joy and purpose. We have a handful of spots left for the retreat, so get yourself booked in here: https://www.yogablewellbeing.com/themoneysleepover   See omnystudio.com/listener for privacy information.

In this top loved episode I'm chatting about one of your FAVE topics on the pod: clothing spending. Oh, it's such a beast, isn't it?! If you relate to the feeling of outsourcing your identity to consumption, you'll love this episode.  GET YOUR TICKETS TO MASTER YOUR STYLE MASTER YOUR SPENDING! https://www.trybooking.com/events/landing/1379832?embed Join the waitlist for next round of The Wardrobe Project: https://mailchi.mp/7dbdeba873ab/atq5ho25bz?mc_cid=d857a7f281&mc_eid=9e962acd97  Episode highlights: Increasing your readiness to change by broadening your understanding of your clothing spending behaviour Why unmet expectations are at the core of the clothing spending cycle Using The Tomorrow Rule to trick your brain into making better buying decisions Using The Rule of 5 when buying clothing to help you make better decisions Focusing on what you're gaining, not what you're giving up The power of behavioural rehearsal  ORDER GOOD WITH MONEY: https://amzn.to/4bC6QV8 GET THE NEWSLETTER: the weekly money psychology and mindset newsletter (that just so happens to have fun bits like a hot & not list, things I didn't buy, and fun updates from behind the scenes. Head to www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration   See omnystudio.com/listener for privacy information.

Money management doesn't have to feel restrictive or complicated. In this episode, I share 4 practical financial behaviour hacks that have transformed my relationship with money and can help make your finances simpler too. Highlights: Why matching your budget to your actual environment is crucial for financial success The "lazy gal budget" method that eliminates mental gymnastics around spending The power of having small financial goals to guide your decisions Finding the "yes" when you have to say no to yourself financially Mentioned in this episode:  Expense streamlining calculator: buymeacoffee.com/thebrokegen/e/310925 Melbourne Style and Spending event tickets: https://www.trybooking.com/events/landing/1379832?embed 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! https://amzn.to/4jnBupb  **Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe   See omnystudio.com/listener for privacy information.

Welcome to a new series of the podcast called That's Juicy! where I nab a chat with experts in a range of fields and squeeze the juice out of what they do best, to equip you with the knowledge you need in life and money. This week we're joined by long-time friend of the show, Emily Wallace, who is a prolific Buyer's Advocate here in Melbourne. She knows the property buying process for first and family home buyers like the back of her hand, and in this episode of That's Juicy, she shares her best advice on navigating the confusing world of real estate.  Highlights: The surprising factor that makes someone a "difficult buyer" Why having rental experience doesn't always make you a better property buyer The hidden value of asking about vendor circumstances A dollar value example of the power of buying off-market. You will learn: How to apply the property triangle framework to make better buying decisions Practical strategies for managing outside opinions during your buying journey Insider tips for building relationships with real estate agents Effective negotiation techniques that create win-win situations for buyers and vendors Where to find Emily: https://wallaceadvocates.com.au/ Instagram: @emily_wallace_ba TikTok: @buyersadvocatemelbourne  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! https://amzn.to/4jnBupb  **Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe See omnystudio.com/listener for privacy information.