Is She Ok? - Unsolicited Advice, Martha Stewart & A Lack of Female Financial Literacy

Episode Date: November 29, 2024

What do Martha Stewart, unsolicited advice, and financial confusion all have in common? Us! In this episode, we discuss our lack financial literacy, the not-so-helpful advice we’ve received from strangers, and the unexpected lessons they learned from the one and only Martha Stewart. Grab a coffee and join the conversation as we laugh through our financial fails, spill the tea on unsolicited tips, and try to figure out how Martha made it all look so easy.

Hi everyone and welcome to the Is She Okay podcast. I'm Chans and I'm Sophie and we're here to unpack life's ups and downs and all the in-betweens. Having the conversations every woman's thinking about but rarely says out loud. Every week we'll chat about topics that really matter, aiming to answer the question we all ask ourselves is she okay uh hi sophie oh my gosh we couldn't get in there quick enough i know um things to tell you okay so i have one from today one good thing and one not so good thing um god i sound so boring i went spec savers today which was fun left the house um but the good thing was the lady as she was handing me over to her colleague to go and buy some overly priced glasses said oh could

you take this delightful young lady to pick out some glasses and as someone who looks like Hagrid 99% of the time at the moment I could could cry. It was so nice. She says, whilst looking like completely flawless. I put makeup on to go to Specsavers. That's where I am in my life at this point. I've put makeup on to do this because I got attacked by a stalker on the way home from Lidl and I was like,

this is not acceptable for anyone. Well, congrats on being delightful delightful and young thank you very much that was my good one my not so good one was I went to the post office the other day and as anyone who could have heard the the last episode we did about not wanting to kids or not wanting to have kids or having kids I went in she saw my son who's gorgeous and was like oh how old is he I said his age and then she said oh well you better get started on the next one and I saw you've just finished getting him out of your vagina exactly and I didn't look like this okay I was in full hagrid mode like I think I'd been crying that morning like I looked like a state and this woman was just like you better hurry up and have another one otherwise he'll be

lonely and I looked at her and I said you know what we're not planning on having another one actually and he's not going to be lonely because he's going to have his family I'm hopeful he's going to make lots of friends um so no we're happy there yeah i love it but like i know i mean i could talk about this till the end of time but like firstly what if you can't have any more kids second exactly she's a woman you know like you know better just like yeah like so many things wrong with that situation it's shocking to me because you know what we a there's pressure to have a baby and then as soon as the baby's out the the pressure to have another one is yeah instant it's so quick and actually yeah I kind of left and I was I was feeling really annoyed about

it because it's not the first time I've I've faced this and then I kind of I just let it go and I was like you know like we talked about the the last episode, families are different now. They come in all different shapes and sizes. And all you have to do is have conviction in what you're doing. Because as far as I'm concerned, my son would rather have a happy parent who can financially afford to give him all the things that he needs rather than one that's miserable. Having a sibling doesn't mean that you're not going to be lonely.

Like what? Exactly. It's such a ridiculous it's like there's so many things wrong with that like that's a whole episode on its own but like I know I'm just I'm happy and hopeful that like you didn't feel the pressure in that moment to kind of go and come home and be like we need another one like exactly um but yeah apart from that I'm okay how are you so um so nice segue into um it seems to have been the week of unsolicited shitty advice um so yeah like I'm good um which I'm actually a bit scared to say because obviously it's been one thing after another my back is slowly improving um I can sit down for

like five minutes there is progress super happy um but yeah so I was at work I think it was on Tuesday um and I was minding my own business I do like my admin and stuff round a little quiet corner and this old guy kind of wandered around he was on the phone and he was just like I'm just he just popped into essentially one of our like consultation rooms because he was on the phone call and I was like cool doesn't he um some admin and eating my lunch so as he walks out he's obviously feeling chatty which I am not so he says something like oh standing standing lunch today and I was like, uh-huh. And then I put my hand into my snacker jacks, at which point he turns around again and goes, those crisps aren't very healthy.

Oh, I was like, excuse me, sir. Now, old men are like, I love old men. I've got a massive soft spot for like grandpas because I was so close to my granddad so anyway yeah I mean I was not impressed so I just kind of was like I can't be bothered to really engage with this because I've actually got stuff to do yeah so I just kind of like turned my head and I was like actually they they are pretty healthy um and then he starts walking towards me to like further the conversation oh no can I just say anyone who doesn't know Sophie or doesn't know her facial expressions

she has a really good just leave me the fuck alone face and this guy obviously was missing it like he was missing all the signs and I was just like you don't yes you don't know what is healthy for me so it could have been a really great like coaching opportunity for me to be like like health is different for everyone and if they were three times that actually daily intake is fine and allows for that amount of like calories and and you know it was kind of like there's a whole conversation but yeah when you're commenting completely unsolicited on someone's yeah like child rearing or like the food that i'm putting in my mouth like ew just gave me the ick it's 2024 let's normalize not commenting on people's

reproduction habits and definitely on what people eat uh it's just unnecessary and you look like a dick when you do it so yeah so um he's not in my favorite grandpa club um um also sophie i feel like we need to cut out the bit where you're like i love old men there's something so weird about you saying that i'm keeping that in no like i have a very i have a soft spot for like old men oh that doesn't sound any better wow you're just you just keep going with it okay that's good no but like and we were very close so like my grandma was like uh extrovert so like my she was super young like super close to my younger sister and like they'd all go out and

like me and my grandpa would like literally like stay at the house and just like sit in silence like okay having the best time ever so like yeah just a massive soft spot yeah okay I won't make that pervy in that case um right we've actually had some fitness questions come in. So Sophie, these are for you because I have no idea how to answer any of these. Question number one, what's a good meal to have before a workout and when is the best time to eat it? Good question. So essentially before a workout, you should be eating, would say at least an hour before um once two hours before so it can digest um and ideally it would be higher in quick digesting carbohydrates um and protein i would what do you mean by quick digesting like a banana like basically something that's not kind of containing a lot of fiber

and because you want basically you don't want the food to be sitting in your stomach um a lot of the time when people eat and then exercise and they feel like a bit nauseous it's because they've had something that's either high in fat or that's just slow to digest. Especially what happens is it's pulling like your blood supply into your stomach because that's why it's trying to kind of digest and that's when you end up with like feeling a bit sicky. So even if it's just kind of like a banana and something protein-based is perfect. Keep fats to a minimum, keep fiber low.

Yeah, keep it simple oh um number two do diet replacement meals work for one meal say is like a breakfast alternative so I imagine this is people asking about things like shakes and you know replacing a meal with to shake or something like that. So my issue with this question is do like, it almost doesn't make sense to me. And this is going to be a really annoying answer. Do diet replacement meals work? What do you mean by does it work? What do you want it to do? It works as in it will contain calories and you can consume it and

you probably won't feel as hungry as if you didn't have it but i mean i would my question would be whoever sent this in what do you mean by does it work would i advise 99 of my clients to replace any of their meals with a meal replacement? No. Essentially, it's not something that I would really be dying for people to do. However, there are cases where I work with a lot of kind of like nurses or people in kind of positions where they actually can't take long breaks and they can't like teachers for example they can't necessarily take like a break in the afternoon outside of the class times yeah so if they're short on time I would say I would rather you have something than nothing and if that is a meal replacement then yes but it would never be my go-to yeah I mean Sophie knows I've tried many

a fad diet including ones where they're like have two shakes instead of I don't know breakfast and lunch and then have one meal and from my experience over the years it's definitely not sustainable and you're right it doesn't bother to teach you what's actually meant to be on your plate. So that makes complete sense. And the last question we've got is what supplements would you recommend? Again, whoever sent this in, give me a shout. Let's be a bit more specific. There's so many kind of like variables with this, essentially for a woman. And this is a blanket recommendation. So for a woman and this is a blanket recommendation so for a woman living in the uk um i would say a vitamin d a high strength good quality vitamin d because not all supplements are created equal um eager um and again there are so many on the market if you

want recommendations then like just pop me a message I'm happy to talk about it sometimes magnesium but again that would be kind of an individual thing I mean there are so many things like if someone has PCOS I would want them taking inositol um it's a bigger conversation but the the basics are a vitamin d and an Amiga. And that is kind of like somewhere to start essentially. Okay, great. Perfect. So I gave you some homework this week. And it was really intense.

It was to watch the Martha Stewart documentary on Netflix. It was. And I have to say, I'm really glad you did this because I think I would have not watched it I don't know why it wasn't at the top of my list mainly because I watch Real Housewives of every every place instead of any actual tv nowadays um but I am so glad I did because I did there's loads I didn't know about her fascinating woman like I knew she went to prison I didn't really know what for I kind of knew she

was a homemaker and you know and and did all of that but there was so much that I found fascinating with her her relationships with men I thought were really interesting right because you know what like so the bit that really stood out sorry I just completely cut you off yeah yeah go for it stood out for me was when she was talking about her husband that yes yeah yes there's for anyone that hasn't seen it there's a bit in the documentary where um she basically says she makes a statement she's like ladies if your husband cheats on you like he's a dirtbag. Kick him out. What does the interviewer do? He basically pulls out her double standards because she, I mean, spoiler alert, but she had also had some affairs. And it was so interesting to watch because she was like, no, no, it's not the same.

It's not the same. So he pulls her out. I, right. Firstly, like the balls of that interviewer, because if I was sitting there with her, I would not in a million years, I'd be like, no, that's fine. Like you're a little intimate. Yes. Oh my God. It was genius.

Like she literally sits there and he's like, but didn't you have an affair? And she's like, like, it's totally different. Like, I don't know what you're talking about. Like it wasn't the same. And in many ways it wasn't the same like yeah he had like a fling whereas he was sleeping with multiple women and yeah relationships and so it wasn't but on the very kind of like basic level of were you unfaithful in your marriage

yeah and you know by the sounds of it he said she did it first so you know yeah so like that for me was just like absolute genius yeah and you know I mean I enjoyed I enjoyed how honest she was about a lot of stuff you know learning about her her background the lack of love she felt from her family um you know the the language that people used when they talked about her about the fact that she was ruthless and bossy and and the narrative that that actually if you applied a lot of what they were saying to men men would be celebrated but she as a female boss at that time was was criticized for ultimately um and also i was like sorry i liked that they even though they kind of like highlighted that information they used that that that kind of terminology in those words

they also mentioned that she was a woman in a man's world and yes one sentence where it was like someone said she was ruthless and in the business world that's a great trait for a man's world and yes one sentence where it was like someone said she was ruthless and in the business world that's a great trait for a man but for a woman she was a bitch so they did acknowledge that that is problematic and I did I appreciate that because it is it's like all these like traits like she was she she was ambit or she is she's ambitious and she's driven and yes like she did come across as quite cold in some parts and you know she maybe wasn't the most likable person in some kind of but like no one is all the time like this shows some clips of like her talking to to some staff and people

she was with and like she did not come across well but I was like well if cameras followed like your average person around all the time like yeah it's snappy like if a camera was on me but I was like well if cameras followed like your average person around all the time like yeah snappy like if a camera was on me when I was talking to that guy yeah I wouldn't have come across well I would have come yeah bitch but actually I'm intrigued to know what she thought of the documentary because I you know I'd love to know whether she was happy with it or whether it exposed too much but the one thing it did show me was that you know they talk about the marketability of her personal life and she was the first influencer and that was really fascinating because I never thought about her in that way

I loved it I thought I thought it was great naturally it didn't make me dislike her there was a lot about her that I admire and you know after watching it I was like I can do it all and I cooked my husband dinner whilst raising a kid whilst working on this podcast you know I suddenly felt really invincible for once yeah and I think like a lot of like the the negative traits and the negative kind of things because they did like they spoke about her like not being particularly maternal and all the rest of it. Like for me, it was like, okay, but she did all these things in spite of that. Like she was maternal and she still raised a child. She, you know, and I was like, actually it depends. It depends on how you view it.

Like she got massive, like she was massively screwed over by men in her relationships. The second guy she was with, spoiler, like they were dating for like, what, 15 years. And then he just turned around to her one day and went, by the way, I'm getting married next week. Yeah, that's shocking. And it's like, yeah, it's going to be a bit jaded and a bit guarded. Like, that's just that's not normal. But yeah, I loved it. And in turn, going back to what you said about what she thought of it I haven't kind of dug into it fully but um apparently she wasn't a fan um I'm not surprised there were bits of it

that kind of she said like it was lazy there were these bits that kind of you know were were lazy on Netflix's part also there was this weird like what was with the cartoon montages yeah yeah it's get your shit together that was awful there were these weird like it's very it's good but then there were weird bits like that um but yeah i i agree with everything you said um the only things kind of like that i would really add were um i love her friendship with snoop i think that that is genius on every level like just that really like makes me love her I'm like the fact that Snoop are doing like adverts together and seem to be like besties love that um I didn't realize this but she was the first female

self-made billionaire in American history which is incredible phenomenal like absolutely phenomenal so yeah I would I it's long and I did have to watch it in two parts um but I would highly recommend it's a good watch so yeah if you haven't seen it um get onto Netflix and give that a watch um which somewhat leads us on to today's topic um i have a little chat about financial literacy um and a big reason i wanted to have this conversation with you um is because i am financially illiterate um and it's something that really frustrates me and yeah so i thought we'd have a conversation about it it might force me to kind of do a little bit of research but it did yeah and it's I feel like you should be like I am Sophie and I am financially illiterate almost like an AA meeting um on a scale of one to ten so one being completely

financially literate take away my bank account someone needs to be in control of my finances and ten being I'm on top of everything where would you fall on that scale do you think good question um if I was being generous I'd say a three uh-huh and if I was being honest I'd say like a two um I just and I think part of that maybe I know more than I think I mean I don't but like maybe it's a confidence thing um but yeah I'd say like a solid two um how about you know what I'd I'd probably fall between a two and a three as well I feel like I grew up being told I should be financially independent as a woman a lot but I don't think I was ever taught how to do that um so I think I'm probably between a two and a three as well if I'm honest yeah and I don't think that's us being like um

modest or like you know holding ourselves to a like an incredibly high standard like that is just where I would put myself um and the thing that really kind of fascinates me about this is we have both been through the schooling system and done our a levels we have both been educated to a university level um and the thing that I cannot comprehend is how I spent years learning about parallelograms but not personal finance like make this make sense yeah that's shocking to me actually um when I was kind of looking into the things I follow someone and we'll come back to this but I follow someone called Abigail Rose Foster basically she um put on a post the other day which was perfect timing and the kind of like the the post itself was just I'm not angry or I'm not sad I'm angry um but she was basically getting like really frustrated about the fact that she was like

it's 2024 and nothing has changed like of all this information we know that there is a need for education and nothing is changing and she's someone like she's got quite a big presence and she meets with people who can make these changes and can put things in place and it's it's not being done um so that was really interesting um so I'm gonna hit you with a few facts that I think they kind of go a way to explain maybe why we are where we are um so it's 2024 um but we've got to remember that women in the UK were only allowed to open bank accounts in their own name in 1975 oh wow like that blows my mind because that's like our parents generation yeah and for me I'm like can you imagine not even being able to have a bank account in your own name yeah that's shocking I didn't know that that's really shocking like

that's so it's very we're talking about like very recent history so it's like well of course we weren't educated on these things and it's not something that like our parents or our mothers will pass down to us because they don't have the knowledge themselves most like not stereotype but like I remember as a kid like my mum teaching me like how to cook and how to bake she was never going to sit down and teach me about finances because yeah it's she didn't have to think about it no and it's not stuff she'd have known um so I did a bit of digging and there was some research done and it highlighted that only 58% of women claimed a very good understanding of financial products and services compared to 72% of men. So there is like, there is a disparity, there is

like a gender difference and a gender gap, which doesn't massively surprise me. And when reviewing the content most popular amongst women, it highlighted some interesting trends. So the top five most read topics within like the financial sector were borrowing, budgeting, everyday finances, in the home and inheritance. Despite overall engagement levels with Nudge. So I found this on a website called Nudge Global, and it's essentially a financial education platform. So engagement levels with with knowledge being consistent between gender groups 60 to 70 percent we found men tended to read more articles focused on tax investing and pensions yeah i mean it's it's you know what thinking about it at a basic level

i don't remember the last time i had a conversation with my friends about finances but you know my husband talks to his friends about all the time he has a whatsapp group about crypto like you know there this is a big part of their narrative whereas I think the last time I had a conversation with my friends was about should I move all my different pensions into one pot and that was probably the first and last time we ever discussed finances and the answer to that is yes by the way um that is one yes not financial advice but that is the one thing i am like 75% sure of edging my bets and i think like for me that is a massive thing so i have male friends who they have like watch collections as investments or they invest in crypto or they like they're on like the stock market and all this kind of stuff and they do it themselves

and we know um that women are more risk averse like women will women are savers and but saving is short term whereas men are kind of more future-proof like they have more savings they have more investments they seem to be able to have better conversations and I think a lot of it is like women kind of like shy away from finances and we're taught that it's a masculine thing and we're taught yeah you know it's almost kind of like embarrassing to talk about finances or you know we should be kind of like more humble and kind of stay small and I think it's the whole thing of like we'll do things for free because it's the right thing to do whereas yeah exactly men will you know like demand their

worth and then some and I find that that fascinating as well yeah it's the idea that they should be the providers and we kind of watch from the sidelines and maybe chime in every now and then yeah 100% and I just like it's so interesting because I I do wonder if things are starting to change like I wonder if more girls and more women are having these conversations I think especially as people are getting married later and kind of things like that like we spoke about last week I think because there are kind of societal norms that may be changing um even the fact that divorce rates I think the last time I saw would were one and you know one and two so women then are forced to have their own finances and separate and do things

themselves you're right that that kind of shift from the norm has forced us as a gender um to start acknowledging these things and also women can have their own careers yeah you know so now it's very much you know remember when I was getting married in fact when a lot of my friends were getting married it's not like we all suddenly pulled all our finances immediately it was really important for us to have our own separate accounts have our own money because you just don't know what's going to happen oh like 100% like I've always, so I own my flat. And I obviously don't know what the future holds. But I, the way I am right now, like I am adamant, like if I met someone, I would invest in a new property together. But this flat will always be mine. It's never going in anyone else's name. It's never going to be a shared property like I would even be very reluctant to sell it to buy or to invest in another property with someone um because for me like this roof above my head is security and it's also freedom and those are two things that are

important to me um so yeah I do I think it's I think it is fascinating but I think like in terms of the the difference between genders like for me I think also not only is it important for us to be having these conversations with other women but like I want I want to be in the room with the men having the conversations yeah yeah 10 steps ahead so while it's great having these conversations with other women and we can kind of like talk about what we've learned like we're like we're behind so yes I want to be having this this conversation with you and with other women but I want to be having the conversation with people that have been there and have done it and like I want to be at those tables because that's yeah absolutely that's what's going to kind of really push you forward.

And I think that's the same with anything. Like it's great to have conversations with people who are on like the same level in a pub, but actually if you want growth, like get at the table with the people that are steps ahead. It's interesting you say that. Cause I remember I, you know, in my twenties, I was in a bit of credit card debt nothing scandalous but enough that I wasn't really able to get myself out of it so I was just paying off I think the interest every month and I remember talking to about it to a colleague about

it just in passing and I made a comment about gosh I'm never going to pay this you know I won't be able to pay this debt off and he really casually just said well have you thought about moving that into an interest-free credit card and then you pay off and blah blah blah and he said it all really quickly and I was like hold on a second what what do you mean and he sat down talked me through it probably in five minutes found the solution I paid off my credit card debt within a year and you're right imagine being in a room or having conversations with people who have had the opportunity to talk about this a lot more it's so beneficial yeah men just seem to have

like the confidence with it and I like I've said to guys before I've been like where do you where do you learn this like was there were there classes in school that like happened in boys schools that I didn't get to go to like Like, were we learning about like sex education, and you were learning about like investing and pensions? Yeah. How is there such a massive gap? And I also think it's really interesting, because I think like women are good at saving. And I think men are good at investing. And, and I think that that comes from like a safety thing. And like us not being willing to like if someone said go and invest in like watches, for example, I wouldn't know where to start. And I would think of it as ridiculous. But for guys, that's just something that they do.

And obviously not all women and I get that. But yeah, I just I think it's really interesting. And it's definitely stuff that I would like to kind of talk about more um and one thing that I did learn is there actually is a wealth of information out there um yeah but my thing that I've discovered over the last week is like how do you know if it's trustworthy like I always compare things back to what I see on social media and on the internet about the fitness industry um there is a wealth of information out there but a lot of it is misinformation um and I think that as someone that is definitely risk averse um I'm not willing to kind of just like follow someone down a path because they've got a big following because I know again parallel with the fitness industry

a big following doesn't equate to knowledge it equates to kind of a good personality and whatever um so yeah I did find some good like accounts and stuff like that but you know I think that it's just kind of doing I hate say do your own research but kind of you know really kind of dig deep like Rose Foster, there's things like skilled smart and smart, smart pass. And I found something called financially fearless, which is a website and it's with Hargreaves Lansdon. So that looks really good. And again, like I'll link it in the show notes or put it on Instagram and stuff. But yeah, I found it I found it quite an interesting um week of trying to see what was out there really yeah yeah so one thing I did want to do I'm going to put you on the spot a little bit I've got um so we are going to see how much of a two you really are um so right question one how many months of living

expenses should you ideally have saved in an emergency fund i'm going to give you some options one okay three to six months or seven to nine uh seven to nine um so we are advised to have three to six months worth of savings in an emergency fund um and these are not investments this is a saving account so that if you need to access the money you can i mean how many people can actually do that because yeah i mean this is the other thing it's ridiculous no not many of us and actually if it's an emergency situation and you can't save that much what the hell do you do yeah yeah i mean that's why people like payday loans and all the rest of it right because well exactly you don't have exactly you don't have options um right question two what's the recommended

percentage of your income that should go towards saving each month? Do I get options? Yeah, I'll give you some options. OK. 20 percent, 30 percent or 40 percent. Oh, God, I'm not doing any of these. 10%. 20. I mean, like if you think so, like I've got my savings, so it's 20% of my savings. And then like, so I'm self-employed. So 20% of my income goes to tax savings every month.

Like I'm like, so what am I, what am I left with? Yeah. I mean, I'm definitely not doing that. So that's fine. And I've got to pay for nursery next year. So I really won't be doing that like yeah but I guess this is like stuff we can learn from right um yeah and then what is finally what is the total amount you can put into your ISA accounts in one year oh no Sophie I'm not giving you any I don't know I don't know is the answer and I have

an ISA account and the other day I tried to move some money and they were like, oh, no, you can't because you've reached the limit for something or other. And I didn't have a clue what they were talking about. So my answer is I don't know. So the total contribution limit across all of your ISAs is twenty thousand pounds per tax year. And it can be split into different types of ISAs because there are different types of ISAs. But in one tax year, you can only, not only, but you can put in a total of £20,000. But I do know that for different ISAs have different rules.

So yeah, again, I say speak to whoever you bank with and get some more, get some more info there. So yeah. Great. Well done on the quiz. Is there anything you would like to add, Chance? I mean, I failed the quiz horrifically, but that's fine. Um, no, I don't think there is. I think the key thing and the reason why Sophie and I really wanted to talk about this today is that you can get better at this stuff. And I'm really intrigued by the fact that this has ended up being one of our longest episodes. I know. Talking about something we know nothing about. Exactly. But I think, you know, when we were talking about talking about this, I wanted to find some specific places people could go to to get help for financial literacy and the point is there are lots there are lots of places you can go

to but like so if you were saying earlier just be aware of misinformation be aware of apps that you know may not be very useful for you and figure out what will be and you know one thing that i certainly know will help me is talking to people i trust so people i trust and respect within my own circle that i can have a frank and honest conversation with record like yes not just like people that say they've done really well on like crypto or whatever yeah i love that we know as well i know i know don't ask me what what crypto actually means but i know it exists um you know speak to your bank if you're in debt go to actual you know the national debt helpline there are official bodies that can really help with this kind of

stuff but i think the key takeaway yeah the key takeaway for me is let's just start having these conversations with our friends um because any advice is is is useful um conversation like I've signed up for like four or five newsletters um yeah that kind of like I looked into and looked really good and again like I said to you like I will put the the stuff that I found like again this isn't financial advice but we put it on um the Instagram like we had people on the Instagram trailer um and then you can look into yourself and if you find out one doesn't seem like a trusted source let us know um yeah yeah but it's a it's a really important topic for all of us especially for us as women um and it's about time we started narrowing that that big gap that seems to exist

between understanding when it comes to men and women and I think actually do you know what's really empowering about it is that yes we're not getting taught these things and yeah we could focus on that and get really frustrated and angry and like I am like we should be doing better but actually we're at an age now where we've got resources and we've got an education behind us we're very very fortunate in that sense so like we can start educating ourselves yeah having these conversations and actually that's really empowering just because something hasn't been given to us thus far doesn't yeah out there for us to kind of step into that into that world so yeah cool thanks so that was an interesting one I mean who knew we'd be talking for seven hours about

financial literacy I know and for anyone who's actually made it to the end of this particular episode well done you know what round of applause for you thanks for sticking with us thank you for sticking with us um but yeah no um i guess we will wrap it up there um i will try and find something else for us to watch this week maybe we can discuss that would be great you know maybe something a bit more kind of like um christmassy oh i've watched all the christmas movies that are currently on netflix so yeah every single one of them right okay i've got some catching up to do i'm like three christmas movies Oh, I've watched all the Christmas movies that are currently on Netflix. So yeah, happy to discuss those anytime. Every single one of them. Right, okay.

I've got some catching up to do. I'm like three Christmas movies deep at this point. Great. You can find us on Instagram. Yay! I am Sophie Gorwich and you are? At C. Sarnie. And please give us a five-star review and leave some lovely comments comments I'd actually really love to hear what people think about this um so drop us the comments um you can find us on

Spotify and on Apple Podcasts and we will be back soon thanks bye