LATE BLOOMERS - THE ADHD GIRL’S GUIDE TO MONEY: 10 rules to finally fix your finances

Episode Date: March 18, 2026

This week on LATE BLOOMERS, Rich and Rox get brutally honest about money — from £40,000 of debt, unpaid bills, and having the electricity cut off, to finally building a life that feels stable and safe. This isn’t financial advice from experts who’ve always had it together — it’s from people who’ve lived the chaos and found a way out.Instead of trying to “fix” themselves, they share the 10 rules that actually work for ADHD brains — rules built on honesty, not discipline. From banning credit cards to automating everything, this episode flips traditional money advice on its head and shows how to protect yourself from your own patterns.It’s raw, funny, and genuinely life-changing. If you’ve ever felt ashamed of your finances, stuck in cycles of overspending, or convinced you’re “just bad with money” — this episode will show you a completely different way forward.20% off Loop Earplugs: https://www.loopearplugs.com/pages/lp-adhdlove

The Bell Air Direct app includes crash assist, which detects an accident the moment it happens, and even offers you emergency assistance at the tap of a button. Okay, but what if I don't have an accident? Well, just keep on, keeping on. Bell Air Direct, insurance, simplified. Conditions apply. Are you drowning in debt and stuck in dopamine cycles of overspending, and you're trying to sort out your money habits, but you just can't do it.

This episode is for you. This is the 10 ADHD money rule. that you need to know built for your brain that actually worked sorting my finances out. Welcome to Late Bloomers where we are getting our lines together. And our bank accounts together eventually. This is really interesting. This is ex-bank manager and someone who is fair to say hasn't had the best relationship with money. Oh no, terrible, darling.

I think you are a professional at. Being terrible with money? Yeah. Hard push to find somebody better. Yeah, let's go through it. So, yeah, ordered my first store card at 11 years old. I mean, that's strangely impressive. That's quite intuitive.

Yeah, ran up 400 pounds. You obviously lied about your age and stuff. Lied, yeah, from like a catalogue at 19, I ran up 10,000 pounds worth of debt. By the way, I'm giggling because I'm kind of like laughing at the shame. At the time, these things were very, very traumatic. Yeah, we understand you're not, you're not saying this is funny. This is your coping mechanism for all the years of shame. So 10,000 pounds worth of debt at uni that my parents had to pay off.

They were both teachers. They didn't have to, in fairness. No. I mean, there was some, no, there was some tough convos had, yeah, yeah, spent all of my, student loan money. In my 20s, that was when I would like move house and not update my address. So I would have phone bills sent to old addresses, not pay them. That led to court orders, few CCJs. You know, not changing your address also leads to losing your driving licence and stuff like that,

doesn't it? So we've also learned. But that's maybe a different podcast. This is my CV about my finances in particular. So that was a complete vibe. Oh, then I didn't pay my electricity bill for a while because I didn't open letters. So I got my electricity turned off. So I lived in the dark for a little bit. That was quite depressing. Oh, yeah.

Then I was trying to make it in music. But I didn't pay any of my taxes. So I ended up owing the government 40,000 pounds. that was in my 30s. I had no money. They were chasing me and they said my company was going to be struck off the register

and I was going to go bankrupt. I owed a lawyer, a few thousand pounds, music lawyer, not a good person to. No. I'm money to. My credit rating was extremely poor. It was about 270.

I mean, I don't know how you got 270, to be honest. But basically you are a thoroughbred professional. thorough bread. Also, crippled with shame, terrible mental health and never told anybody and buried my head in the sand. Nowadays, can I just flip the script? I have got an excellent credit rating. I am somehow a homeowner. I am out of debt. And guess what? What? Would you say I was good with money? No. I'm still terrible with money. money. And this is what this episode is about. We always want to fix ourselves. We want the financial advice. We read all the like neurotypical advice about how to get good with money. It doesn't work.

I have protected myself or maybe you've protected me through actually some like hardcore rules that work on the assumption that you can rely on me to in fact. be terrible with money. And that, I don't want that to sound negative. I don't want to say to people like, just accept you'll be terrible. But there's a lot of freedom that comes from that. No, but we take this approach with more than just money, don't we? We put, you know, like losing your keys and stuff.

We've got a lockbox outside because we know you're going to lose your keys. So look, you're going to be bad with money. That's the one certainty. Oh, listen, I'm going to be a little bit fun, frivolous, risque with money. Why I got to call it bad? Yeah? I think...

Did you hear yourself when you were talking about how you were living when you were in these difficulties? I'm not sure you would... When there was lawyers chasing you and the government nearly striking off your company,

you wouldn't be like, I'm being a bit risque, yeah, it's just a phase. So bad, I think, is okay. But we're gonna... So that's, in some rule, overall arching, you struggle.

with money. That might be a kind of way of putting it. So let's go through... No, I'm very, very good at spending money. Yeah, okay. So let's go through it one by one then about the things that you know you're going to be terrible at. So this is money advice you will never have heard, but I kind of love that because it's coming through an ADHD lens. So we're going to do 10 things that I can rely on myself for and then build a rule. Well, I'll give you the rule. Yeah, to stop that from happening from a bank ex-bank manager. Yeah, by the way, some of these rules you will be adopting.

Some of them you might be learning today that are going to be rules from now. I'm doing really well. I know, but yeah, there might be some other rules. There might be some things during this discussion that you're like, oh yeah, actually. Right. Number one. Number one, I can rely on myself to always max. out any credit card that I've ever get.

I've got to share. When we were first together, we were going on our first holiday. And these are the exact words you said to me. You were like, oh, I've just got an extra £1,200. So I would like to contribute to some of the dinners and stuff like that. And I'm like, well, where did you get another £1,200 from? And you were like, I got a letter for my credit card to say that they've increased my limit by £1,200. I was like, that's not, that's not you've got an extra £1,200. That is, but that really,

in stat highlights to me what, what was going on there. Like, you thought that was your money to spend. I mean, it was my credit card in my name with the ability to, it was my money to, there. There isn't money, is it? There's no money there. It's the ability to borrow. Yeah. Yeah, I still find that one a bit complicated to understand. Dan, yeah, maxed out every credit credit card from my store cards at 11, two cards at uni, all of the cards in my 20s. And then you just end up like opening a new card because they promise you zero percent interest because the interest kills you. So you move that into a new account. But then it's like 30 percent APR after a time. And when you've got ADHD,

you aren't tracking the time. You just end up like honestly. Honestly, drowning in credit card debt. And it didn't matter how many times I was like, I'm just going to use it to pay this bill. I'm going to use it just for emergencies. Like, I don't know, I just couldn't stop myself. And I'd be the same now. Yeah, there would be space NK halls.

There would be skincare purchases. So it wouldn't be emergencies. It would be, oh. I mean, listen, having lovely skin is an emergency. Listen, I know what rule one is. You know what rule one is. Do you want me to say it or do you want to take this one? You can do the rules.

No credit cards. You are no longer allowed credit cards. Listen, I've been living this rule for three years. Yeah. And I'm rocking and rolling. I'm living that no credit card dream. It was super hard at first to give up my access to like fun bonus money. but I'm so much freer.

I'm so much happier because I've limited the damage that I can do to myself. All you can do is spend all the money in your bank account. Yeah. We'll get to that. We'll get to that. So no credit cards. Small notes, there will be people listening who have kids, who have food to buy, nappies to buy, who may have to use a credit card to get from one month.

to the other, we are not talking to you. We are talking to me, someone that was using it to transfer debt and then overspending. So I just want to be really clear about that. Yeah. Okay. Next one. Number two, you can rely on me to never open red letters, urgent things, bills. Like, I'm not ever, ever opening that ever. Well, in fairness, it doesn't matter what color the letter is. You're not opening it. Brown. Red, white, brown, whatever is not.

I'd be like, oh, red, urgent. I'll open that later. It's been there for five years. The only thing you might open is if a, like a catalog from somewhere that you've shot comes through the door, and you're like, ooh, that'd be like a risque. Yeah. So I guess that's how I ended up having my electricity cut off. They were chasing me for money to pay my bill.

And I refused to open the letters. And they kept coming. I don't know. I was hoping that they'd forget about me. I'd like slip through the net. Did they forget about you ever? No, they came around, two workmen came around, and removed my electricity and put in a page ago.

Didn't you hide under the bed? Yeah. I was happening. I was so, I mean, I lived alone in like a basement, London flat, and it was quite scary. Well, it must have sounded like someone was drilling through the wall. That's what I woke up to. I thought someone was drilling through to come and do bad things to me. So that's why I hid under the bed. Okay. So the rule for this, you might, this is easy to say, but sometimes could be, but harder to do. But you only need to do it once. So you might have to draft in some.

to help with this, but everything needs to be automated. So anything like electricity, water, gas, phone has to be by direct debit. Yeah. So basically, any bill that is like important, any bill that could wreck your life and like electricity, water, I know, what any bill. Wi-Fi phone bill. Oh, is it? Any bill. Yeah. I mean, I do all of that, don't I. So for those listening that maybe hasn't got that, you probably do need to find somebody to help you do that. You do that all now because we have a joint bank account I don't have access to. But a few years ago, you helped me in my HSBC to just set up direct debit's stand in orders. And yeah, you probably will need help. You probably will need someone to body

to get through that because it can be so overwhelming. It can feel like it's a crazy admin task. But when it's done once, freedom forever. So yeah, I love Rule 2 automate everything. Lovely. Let's go to 3 then. You can 100% rely on me to always chase dopamine. Yeah.

So what I mean by that is I love spending money And often it's the process of research The most expensive thing and spending the money That gives me the high Maybe getting the thing for like a day But every single thing that I've ever bought I no longer give a about Yeah, I know

And yet every time I want something It's like the most important thing I have to have it now. It's going to make me happy. It's like what I've realized is people with ADHD don't chase owning things. They chase the dopamine of spending the money on the thing. Well, yeah.

I mean, you'd spent a lot of money when you moved in to my place when we first got together. And it was one car trip, all everything that you owned. So it's not all this stuff that you bought. I don't know where it is now in the, in the universe. It just eventually get cluttered

and throw stuff. away. But I can think of one thing in particular. I think this happened last year. I'd seen this ring on the internet. I've become obsessed with this ring designer. I think she was called Millie Savage. I'd seen Instagram ads and it had just got me. They were like wonky and bright. I have to get it. I have to get it. I have to get it. Found the shop in London. I went in and it was like 250 quid. Do you know where that ring is? I think it's just upstairs on my ring part. I wore it for like a few weeks and then was that, man, done. So we, I truly thought it was like going to be the meaning and answer to my life.

It's like, I will get obsessed with things. I will want to research the best things. And I will then go and spend money on those things. So that behaviour is always going to be there. So we can rely on you to chase dopamine. And I'm going to need you, I'm going to say the rule, but I'm going to need you to explain it because it's quite a new thing that actually you found, wasn't it? So we need to get you to find dopamine from savings accounts.

Now, if you had said to me historically, need to save money, that just sounds like so boring. You're stealing money out of my pocket, even though it's mine and I get it back. Stealing money. No, but you're stealing money out of my pocket for the future that I can't access. Like, stealing is a bit strong. It's still your bank account. No, but it's being stolen so I can't spend it at Space NK or on funky rings.

Okay, but that's what it feels like. That's what saving feels like being stolen from and it's unfair and I hate it. So that wasn't a vibe. What I have found recently and this is like, this is great. This is where I've hacked it. I've decided to research and find the absolute like highest. interest rates and savings accounts and like the easiest ones to open and like what I can do. So like I've kind of hyperfocused and tricked myself rather than researching ways to spend

money, ways to save money. So as an example, I found, so I've never ever had a savings account in my current account. But I found in my HSBC, I could open a savings account. If I took the money out, I get like 1% interest. If I leave it in, 3.5% interest rate. So it's a bit of a game. So I was like, this is game. So I put in my 50 pounds.

And then I was like, I'm not going to touch that. Even if I run out of money or I'm in my overdrive, I'm not touching because I need to win the game and get the 3.5%. So then you start like playing with savings. Treat it like a game. And then you're getting free money rather than being stolen from. Interesting. I really, I really like it. And the one thing that you can be certain of is that there will be about a billion savings accounts to choose from. So like you know how you research things and want to see everything. Like that can probably give you a bit of day for me to find out what's what's available on the market. Right, go on then. Next. Number four, I can absolutely be relied upon to spend whatever I have in my bank account. So it's kind of like water.

always finds its own level. I will always spend down to minus 700, which is my current overdraft. No, we've got to change that. We've got to change that to zero's okay. Well, I need to get rid of my overdraft then because it's... Let's do that then. Fine, we'll do that.

But like, I will always spend down. Water always finds its own level. I don't think is the scientific analogy for you. I think a more accurate scientific analogy is that water will always evaporate to the bottom. When you turn that shopping heat up, baby. Yeah, fine. So as an example, it doesn't matter. I've had months where I've lived off not very much at all,

where I've struggled to pay £300 in rent. This was only a few years ago. And I've lived off very little. and I've run myself right down. I've had times when I've had thousands of pounds in my bank account, two years ago, I got an unexpected tax rebate of £5,000. And I was like, I'm rich.

Like, I'm actually rich. Like, I'm going to invest it. I'm going to do all this crazy stuff with it. By the time I went to invest it, like a month later, it was gone. I was like, how have I spent? And you just look through and you're like, oh, yeah, Uber eats. Oh, yeah, Uber.

It just, it just, it just, it just. goes. So yeah, we will always like evaporate whatever we have reliable. So here's the rule. It's quite a simple one. And I'll explain a little bit more. So you're self-employed. So it's easy to do this with you. So I control how much money you get paid. How much stays in the business and stuff like that. That sounds, by the way, that sounds so toxic. Can you imagine hearing a man saying, I control how much money you get paid? Yeah. I get how it sounds. By the way, I'm not saying it's toxic. I need it.

I love it. This is why I'm okay now. So we only pay you what you need. That's agreed between us. I'm not like that can, but we'll have a serious conversation about how much you need to spend and it will be the minimum amount.

For you to like still enjoy yourself, still have spending money, but not any more than that. And out of that thousand pounds, I pay for therapy. once a week. And I also, that's like my makeup budget. Like that's my travel.

You do get bonuses sometimes. Sometimes. Yeah. But then I just spend them. But what's crazy is I've got so used to that. That I'm really, really happy. It's like even though I know there might be more money somewhere if I could speak to you and dig in. I can't be bothered.

I know what I'm getting. And I can overspend. Oops, I've spent it all. Like, cool. The worst I can do is spend a few hundred quid. Like, it's, it's so protective for me. But for those that have got jobs and companies that pay them, I'm not suggesting you don't have a job, but what I mean is somebody that are on P.A. Y, E. and employed and get the amount that they get. Obviously, don't go to an employer and say, no, I don't want to get any more money. Don't do that. That's bad advice. But I guess it would be a similar thing of how much money do you need.

and take the rest out, steal it into savings. Yes, so live off, like your minimum monthly, what you can live off minimum, that should be in your current account. Yeah. Which, again, just sounds like being stolen from, but it is quite fun. You do just like adapt to it and you just get used to it.

Right, next one. Number five, I will have absolutely no idea, where money is coming out. So like I'll always see like 599 to Apple, 1599 to this random subscription website. Like just... Right, let's be real.

Right. Yeah. It'll be 599 to Apple. A day later, 799 to Apple. Two days later, 1299 to Apple. Let's be real. Like that's... I'm not ashamed.

Listen, I'm like an app queen. If I find an app, like it, I subscribe, I download, I'm in, I don't want to be any of that like paywall, no, straight in, I'm going to subscribe, I want the full situation. 10 pound a month, no problem. The full situation. Actually, the rule for this, because it makes me shudder, actually, is cancel everything. And we're going to do that straight after this podcast. We're going to go into your subscriptions. You done it? Guess what? Done it last week. Okay, so that's why it's made it under the podcast. I went through, so I went through two places, which is all my

subscriptions, so you find that easily, like, on your phone. And I also went through all of my, like, if you've subscribed on a website, it's way harder to cancel. And you've often, like, set up, is it like a direct debit or standing order? It's called a Katz payment, continuous authority transaction. So the apps didn't bother me that much, because, yeah, they're four or five quid, like whatever. There was one I was paying that was 15 quid a month. I've been paying it for three years. I haven't had that app on my phone for two. That's fine. That's okay. So I did all the apps other than the ones I use. So I've still got a little face editing app. Yeah. I do still have Dubby because, yeah, for work. What other apps? I can't remember them all. But I've really limited. I've gone

from like 20 to 4. And just sense check, you haven't kept 10y that you're like, oh, I probably will use that. No, no. If I haven't used it in the last month, I cancelled it. Well done.

I then also looked on my HSBC about whatever that word you just said. And I was like giving money to two different political parties that I'd obviously set up a while ago. Like pick aside, mate. I was also paying some random website. This must have been years and years ago paying for like clips.

It was like £30 a month to have access to stock video. I've had it for years. I was like, wow, I didn't know that was coming out. I also paused my skincare because you know I use that. Oh yeah, you've not used that for a year, have you? Dermatica. No, I do use it every now and then, I keep sending me the box, $20 a month, $20 a month.

I've got like so many bottles. So I've paused it. So I've like saved myself so much. So it's one situation, like one probably hour to go through subscriptions, banking and like anywhere else where you've given your info. Delicious. Before we go to number six, let's hear from our sponsors. The Late Bloomers podcast is sponsored by the Amazing Loop Earp.

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And we've now added the key. kids loops, the young people loop earplugs, which are amazing because they come in awesome colours. This is like the watermelon red with green and it's just so cute. So if you've got kiddies, you can now get 20% off loop earplugs. She says younger people. She's 41 and she wears them because she has incredibly small ears. I do wear the kiddie ones. Oh, I love the colours and I've got small ear.

So yeah, small ear brigade. These are for you too. Right. So number six, I can absolutely be relied upon to just not care about savings at all and have zero savings. I, like I have started recently, but for my entire life, I just, there's no tax fund. There's no rainy day fund. It's just like nothing. Yeah.

So what you're saying is you will never sit down. one day on a Tuesday afternoon and be like, oh, let me transfer some money into savings. No, because I've already explained, it feels like being stolen from. So it's not, that doesn't feel like a fun. It's just not going to be on my mind. Like, let's go and have a little browser TikTok shop and get like a lovely little gray two-piece. But no, I'm not going to be like, oh, let's plan for a rainy day.

Let's put this way for tax. It's just not going to happen. I'm not wired. I'm wired for fun, baby. So to be fair, I think a lot of people will feel like this. Simple solution, rule six, your savings happens by standing order. So automatically will come out every month. You don't have to think about it. It's just like another bill. Yes. So it's like auto saving, which, you know, I was talking about my little HSBC savings part. I have now done that monthly. So on payday, 50 pounds goes straight into. that savings account and I'm earning three and a half percent. So obviously that might be for people a tax part, a rainy day part, a holiday fund,

like all of this stuff that you're just not going to think about savings for. Yes, set it up and on pay date, just like have it going out into those parts. And I do think that there's a lot of fun to be had from seeing those numbers going up. Like I love being like, oh, 100, 150. then the free money from the interest. And then you're winning the game, right? Winning the game. You'll be in the savings account by not touching your own money.

So number seven, I can be relied upon to impulse shop and just like fill a basket way beyond my means. So that might be like a clothing store. I'll just jump on and suddenly the basket is like 400 pounds. It could be space NK. again, the basket. I could spend 20 minutes on Space NK and the basket can be £400.

I know. And it baffles me when I watch you. So I probably am too far the other way. I don't even want to spend like a five. I'll be like, well, that's a bit expensive. Let me shop around to see if I can get it for $4 quid and stuff. Like I'm a bit of a joke the other way. But you have no thought to it.

You're just add, add, add, add, add, add. I don't look at the prices. And there's no emotion with you when the price is the price, is there? I can look it and be like, oh my goodness, no. Well, there is. Sometimes there's a positive emotion. So if I'm buying skincare and it's like this serum is £200. I'm like, it's going to make me look 21.

Wow, really? So the more expensive, often the more positive experience I have to that product. That's crazy. Right, the rule for this. And this really does work because those impulses don't go away. You, the rule is, you go shopping, you add all of this stuff to your basket, feel that dopamine, see the 650 pound shopping basket.

You're allowed to buy it, but you have to wait 24 hours before buying it. Yeah, I've never, ever, ever bought the basket on the next day. And this has happened to me, yeah, clothing sites, space NK. I go back and I'm like, me, I'm not really feeling all this stuff, empty it, and then maybe buy a couple of things. It's not buying in that heightened dopamine state. I need it. You get all the dopamine from filling the basket and like go crazy, spend a thousand pounds.

And then you just don't buy it. And then you go back tomorrow. And it doesn't feel the same. Like it does show that so much of it is like impulsive. and dopamine seeking. You're not shopping sensibly. It's not like grocery shopping. You're shopping to get the feeling.

So fill the basket, get the feeling. And that'll do it. And you're always going to chase that feeling. You're always going to chase the dopamine. That's the whole thing of ADHD. So this is, I love this rule. This is probably my favorite rule. It works.

And basically it's great because you can literally go to Gucci, like go and shop wherever you want because you aren't buying it. It's just like fake shopping bars. It's like game. Number eight. Number eight, I can be guaranteed not to think of the future. That is future me. That's me with a tax bill.

That's me with a pension. That's me when I'm older. Not in my eye line at all. I'm only thinking about me today. This happened literally, it might have even been this week. It happened really recently. You were like, I looked at my bank account and I had X amount of money in it. So I bought this because I had loads there.

And I was like, yeah, but you don't get paid for another three and a half weeks. That money was there because you had just been paid. I was like, oh, cheeky bonus. Like I'm going on a shopping trip. That is your salary. You only get an amount. That is not cheeky bonus time. That is be normal time.

Yeah. I just don't think of their three and a half weeks that I'm going to have to wait and not be able to afford things. Yeah. It's really interesting. But that is, I don't think of me next month. And I certainly don't think of me at 65 needing a pension. Like that is just not, has not been on my radar forever. And I'm 41.

So like I'm getting kind of close. Well, you're closer to that than you were as a child. Like, then you know what I mean. 41, you're well over halfway there. Cheers. Yeah. Like more than half way. So, anyway.

60%? Yes, yes, yes. What's the rule? Right. The rule is, so if you get an amount of money and say you get paid monthly, you have to split that up into weeks. So you get a weekly allowance. So you get a budget for the week, not allowed to spend any more than that.

And then you go to the next week. You do this, though. I don't, I'm not that controlling. No, but I've, this is one of those rules where I'm like finding out about it now. Yeah. On the podcast. Yeah, because this. this week you tell me you spent all your money.

Yeah, but how is the weekly allowance going to work? Am I like, I've got $250,000 a week? Who's stopping me? Like, if I've got access to the whole month's money, I don't know how. Maybe we have to, not to savings, because you feel like you've been disciplined to, but maybe it's like a little,

we move it into another account and then you move an amount back every week, and you do that yourself. Okay, that's cool. So like this week, so I, I, pay into my current account, £250. That is this week. I quite like that,

but I really would need the other money not accessible through like my Apple pay. Because you're just like tippy tap, tap, tap, tap, tap. I don't even feel like it's money. That's easy. So we could open you another like instant access savings account where you're not playing the game of the three and a half percent. You just put it in there and then you take out of, out every week.

Yeah? Open. Number nine. What are you laughing? I can be relied upon to think that one day I'm going to become amazing with money, like next level, like Warren Buffett, like I just haven't put the time in yet. Like I have real belief that like one day I'm going to want to change and I'll just do it. And then I'll be, I saw an ADHD video on the internet the other day.

And it was like it reminded me so much of you. surprise, surprise. Because it was like, as me, all my future plans and goals are dependent on me waking up tomorrow

and being organized and committed. And like, that is so you. Like the future idealized version of myself, being incredible with money means doing a money course

and like not doing space and getting, no, like I'm not going to do it. Sorry future me. Like you could be amazing with money. I'm not going to do it. Like I'm,

I'm, I'm, busy anyway. So, yeah, like, how do we stop that? Well, Rule 9 is a bit of an all-encompassing rule, which is build systems. So we know, and I love you, and you do so many things amazingly. It's okay. You don't need to soften it. But we know you're never going to be very good at this. So we have to build systems that we've been talking about. So it's like, don't believe BS. Yeah. Believe. Build, build systems. and all of these things are systems.

Wow, wait, did you not just realise this? BS and BS? What? It's like bullshit and build systems. Oh. Oh, wow. There's got to be something there. Don't BS.

BS. Yeah. That's really tickled your... That's, I like that. So building a system is something that doesn't rely on me. Yeah. So that is the direct debits for the bills. It's the auto savings coming out of my account.

It's the only being able to access my minimum viable monthly earnings. I absolutely love it. Okay, number 10. What can we rely on? You can always rely on me. So I've been giggling about this and laughing. But actually so many of these things historically have caused me so much embarrassment and shame and isolation. So yes, when I was in my 20s sitting in a dark,

flat with no electricity and nobody knew my mental health was on the floor okay but even like recently with you so i have a toxic trait this is so this is like so toxic i can't leave about to admit this so if i'm travelling to london yeah i tap to pay right on the tube yeah so ding ding tap in tap out but sometimes i might have my card on me I don't use, often use the same card. That's correct. So I might have, I might have tapped in on my phone, which is linked to my business account, but then if on the way home, the first thing I find is my debit card, I tap with that.

That makes me actually physically uncomfortable here in that. No, look, I'm said it's a toxic trait that I still do. It's just whatever's, like, whatever's easiest, not whatever saves. me the most money. So you're getting charged like max amounts all over the place? Oh no. Why have you said that? That's ruin my day. No, you can't ruin your day because point 10 is that I feel like embarrassed that I do that and I feel shame and it's so important for someone like me to have a safe person to talk to because I just do that and I don't tell anyone. Like you know, because you know how have access to my account and you'll be like

everything's declining if you run out of money and I'll be like oh it's been declining for two weeks yeah that does happen yeah right so there's two two things to this the actual main rule is find a money buddy which is me for you but if you're haven't got a partner find a best friend have like have a conversation with him be like how do you fancy to being brutally honest about each other's finances like I'm embarrassed about it. I don't want to talk about it. And you'll really help each other in a non-shaming way.

Money buddies. The other thing I'm now thinking about is how do we create another system that you don't tap in with different cars when you go to London. But I'll think about that after. Listen, I think this has been fantastic, okay? From someone who's great at spending money, someone that's great at saving it. Late bloomer gang.

Thank you so much for hanging out with us. Thank you for listening to The Ten Rules. We want to know in the comments, does anything relate? Do any of these help you? Have you got your own weird and wonderful hacks? That can actually help people with ADHD brains. Thank you so much, sending loads of love to you.

If you've liked the episode, you might think about... subscribe, follow, share, anything that you can do to help will be massively appreciated. And as ever, we will see you next week.