She's On The Money - Can You Actually Manifest Money? Here’s What Science Says

Episode Date: March 18, 2025

We’ve all seen the TikToks... vision boards, affirmations, “just think rich and you’ll be rich!” But does manifestation actually work, or is it just a glorified daydream? Some say it’s the secret to success, while others insist that financial freedom comes from strategy, not vibes. So what’s the truth? This week, we’re breaking down the science behind money mindset, manifestation, and what actually moves the needle on your finances. 🧠 Does manifestation really work or is it just luck?🧠 How your mindset influences your financial habits (without you realising it)🧠 The psychology behind money blocks and how to overcome them🧠 The proven strategies that help you attract and grow wealth Whether you’re a full-on manifestation girly or a straight-up skeptic, this episode will make you rethink how you approach money. Can a mindset shift actually change your bank balance? Let’s find out.Want to work on your strategy for building wealth? Our Investing Masterclass is now open for enrollments... come join us here! Starts April 1. Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs.  Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708,  AFSL - 451289.See omnystudio.com/listener for privacy information.

Hello, my name is Natasha Nabanunga-Bamblett. I'm a proud Yorta Yorta, Kernai, Wolperi and Awadjeri woman. And before we get started on She's on the Money podcast, I would like to acknowledge the traditional custodians of the land of which this podcast is recorded on Awadjeri country, acknowledging the elders, the ancestors and the next generation coming through. As this podcast is about connecting, empowering, knowledge sharing and the storytelling of you to make a difference for today and lasting impact for tomorrow. Let's get into it. She's on the money. She's on the money.

Hello and welcome to She's on the Money, the podcast that won't just tell you to think rich, but will actually show you how to get rich. If you've been on TikTok lately, you've probably seen people claiming they manifested a dream job, a new car, or even thousands of dollars. But is this just luck or a mindset shift? Or is there something else entirely at play? I'm Bex Side and joining me today is the woman who happens to be a finance expert and have a background in behavioral psychology. So basically, the perfect person to help us get to the bottom of these questions. I'm so excited about this. I feel like, oh, Bex, this is something that grinds my gears. And a lot of people are going

to be like, Victoria Devine, what are you doing? Why are you saying manifestation isn't real? That's going to make a lot of people mad. Especially Jessica Ricci, who we love and adore and thinks she can manifest things on Facebook marketplace. And I'm all like, yep, you go queen. Like I'm 10 out of 10 on board with this. I still don't believe that manifestation is real. I have to say, I feel a bit similar. And I think that like, it can be a self-fulfilling prophecy if you manifest something. Is it bad that I'm like, oh, it's not real. And so many people are like oh my god I manifested this I manifested my dream life I manifested a new car manifested a pay rise like you actually didn't you worked hard you did that you did that you

didn't manifest it and like I'm a very big believer in talking to the universe like growing up my mom and I used to talk about like oh if you want something like throw it out to the universe and I love that concept of like you know sharing something because like even when we like look at the research, right? We know that if you write down a goal, you're more likely to achieve it because it becomes more real. And I think this concept of manifestation is quite similar. It's just you actioning plans, but you're giving the credit to someone else other than you. Yeah, that's true. And I don't like that. I think that we should be proud of what we've done and what we've achieved because it's not luck. Like you're not a lucky girl. You are actually just

working hard and keeping your eye on the prize. Oh yes. At the start of this episode, I thought you were going to squash some dreams, but I feel like I've squashed some dreams, but then I'm going to bring you back up and go, well, actually, babe, it's you and you should be proud of you. And this is how it works. And this is what it looks like, because I'm not going to give the credit to someone else. Absolutely. I think at the end of the episode, we'll be like, you know where the power was all along? Within us. Okay. It's going to be really fluffy. Oh yeah. So before we get too deep into where the manifestation actually works. Let's define it properly. Yeah. Sorry, I'm going to ruin that. I feel like we should have done like a hook and then like,

oh, what are these thoughts? I'll tell you after the break. No, I already told you. Sorry, my ADHD jumped ahead. She's not a mysterious woman. She's going to tell you exactly how she's feeling. Do you know how many social interactions I go into? And I'm like, wow, I really over disclosed there. They know my entire personal history. Hey, we love an oversharer. Yeah. Look, I'm not mad. No. So when people talk about manifesting money, what do they actually mean? Like it's this concept that your beliefs can shape and create reality. And that's really nice. Like the concept of this is really good. And the idea is that by simply focusing on something in particular, it could be like wealth or success or even love. You're able to like attract it into

your life. And I think that that at a crux is true. Like the more you focus on something, the more likely you are to recognize that and you can attract it into your life, Bec. And you know, there's a lot to it. I'll tell you in a hot second about my yellow Honda Jazz. Oh yeah. Okay. Theory. Like that's my theory I have coined, but the idea is actually deeply rooted in what they call the law of attraction. I think we've all heard of the laws of attraction and how that works. And that suggests that positive thoughts then bring positive outcomes while negative thoughts bring negative ones. And this concept has been so popular after the book and then like subsequent TV series, The Secret came out. I don't know if you've heard of The

Secret. I watched it and I was like, this is hufflepuffle fluff. Like that's not for me, but I do on a base level think that as individuals, we attract what we are searching for. we are literally trying to find particular things. It's like confirmation bias, right? And this is a legit psychological phenomenon where, you know, Bec, you might have a particular political view and therefore any information I put on the table that disregards that or is in opposition of that, you're probably going to be like, it's not real. You're probably going to be like, no, that's not for me. You're also not going to take the time and energy and effort to dive into that information. But if I present you with some research that further confirms an opinion or

a belief you already hold, you're going to be like, oh, this is legit. I told you it was real. Yeah. Like I definitely knew that already. So it's a legitimate phenomenon and that's okay. But confirmation bias exists in human nature. And I think that as human beings, we really love this concept of manifestation because it is all about attracting more positiveness. And as humans, we are hardwired to be inherently negative Beck right and I've spoke about this on the podcast before if we go back to like caveman times it was fight flight like you didn't have like oh I'm gonna like manifest positive energy like you had to make sure that you had food and water and often that meant being really aggressive and fighting over that and always planning for the worst like

what winter's coming we need to stockpile things we need to make sure that we are protecting ourselves that we are warm like all of those basic needs needed to be met and the best way to do that is with a sense of fear with with a sense of like you know making sure that we have these things because if you didn't have that sense of fear or you know feel like you needed to control that how were you going to survive yeah but we flip that we're now in 2025 and most of us have the privilege of having our basic needs met and i'm saying most of us because i don't want people to listen to this and be like, well, I don't have that. And that is awful. And that's why I exist. And I want you to learn and be able to access information that puts you in a different position.

But like most of us have access to safe food, safe water. We have a roof over our heads. You know, we have secure attachments and we are okay. So now we have the privilege of being able to create a positive life. It doesn't actually come inherently natural to us. It actually comes as a challenge to everything we are hardwired to do. So people who are really positive, they've just been practicing it better. It's kind of like a muscle. It's kind of like having some memory and being able to flex that muscle and my yellow Honda jazz theory. Bec, when was the last time you saw a bright yellow Honda jazz? I think I know where you're going. I promise over the next week, you're going to see so many of them. You are going to see so many yellow Honda jazzes. They are going to be

everywhere you know that bright yellow yeah you're gonna be like not that many people have them that many people have them but you're not noticing them because you weren't looking for them so if we are not looking for something we are disregarding it but if we start to go oh I want more positive energy or I want to really focus on good things that happen to me Beck I'm so fluffy and I have really been focusing on my mindset and I've been really focusing on you know embracing positive of things. I literally have a note pinned in my phone and it says, good things happen to me. And it's a list of things that are good that have happened to me. And I make a conscious effort to write them down. It could be Zara picked up a coffee on the way to work for me. And that was

really sweet. Or it could be, you know, something really positive. Like I got my dream client, but it's not about, you know, how big or small they are. It's about making a conscious effort to reiterate to myself the good things are happening because when I'm reiterating that I'm consistently looking for more good things to add to the list and therefore my life is becoming more positive because I'm searching it out Bec. That's beautiful VD. And so it's not just about you know positive vibes and like that's where I'm at in my journey right now I want to make sure that I'm really focusing on the positive because when I'm focusing on the positive I am happier and kinder and all of these other things and I feel like that's the energy I want to be bringing into the room every

day. But you might say, well, I really need to save or I really need to invest. And that's where we really want to focus on, you know, maybe you have a list and it's like, I'm really good at saving. And you like make a list of all the good things that you did that are positive steps towards that savings goal. Yeah. You know, you might, Bec, and I'm going to use you as an example, be like, oh, V, I didn't buy coffee again today. That might be small to other people, but to you, like I know that's a lot like you love a coffee oh yeah and I think that it's so important to be like yeah I actually upheld my savings goal or I you know it was able to chuck an extra five bucks in there like let's find small good things yeah because we are so used to telling ourselves these

negative stories and we are so used to confirmation bias that and I'm going to use you as an example again because you've spoken about it before you have said before on this podcast Victoria I'm so bad at money. Yes. But you're not. Yeah. You're just seeing all the things, but like you have set up so many cool things this year to put yourself in a better position. Like you have a new job. You've got a great income. You've started to really prioritize your savings. You have done all these great things. I would argue that you're not bad at money. You're just not on that journey and so far down the line that you've got, you know, mass amounts of savings and investment and whatnot, but like you're investing. Yeah. You're saving your money. I know you're transferring the

money for coffee, like little things in the right direction, but like, you're good at this. Thank you, BD. You're not searching for confirmation of that. You are probably so hardwired to start searching for things that reiterate old you. Like if you hypothetically fell off the bandwagon and bought a coffee, you'd be like, of course I did. I'm Beck. And that's just what I do. Instead of going, oh my goodness, I fell off the bandwagon. New Beck wouldn't do that. New Beck would have xyz and new beck would be celebrating the smaller wins like that are along the way on the savings journey does that make sense yeah it does so it's not whether you want to be more

positive or manifest you know heaps of savings like beck if you said i'm going to start manifesting savings i would be like well you're not setting yourself up for success because success actually has a step-by-step plan yeah right now you're gonna what let somebody else take the credit for your good change. Huh? No, absolutely not. So I think it's so important to start talking about, you know, what this actually means for you and all of these manifestation people online who are like, oh my God, I manifested this. Girl, no, you didn't manifest it. You just wrote down a plan and then you made that plan happen. How many times have you heard people on TikTok talking about, I manifested this because I journaled every morning. Girl, you sat down and you reiterated

your goals in the morning so that they would happen. Yeah. Yeah. Yeah. Seriously. That's no easy feat, but you're not giving yourself credit. You're like letting this fluffier version of, you know, goal setting guide your reality. And that's so nice, but like vision boarding. Yeah. That's not manifestation. That's action planning. Yes. That's so true. That's you planning what you want your dream life to look like so that those steps you're taking every single day are easier to understand easier to visualize like you know this coffee thing for you if you are literally cutting coffee and you feel like you're missing out beck but you had this vision board with really pretty images that reiterated i'm going to go to this festival and i'm going to you know live more

of my dream life and have some savings to go on a holiday with my girlfriend jess like if you saw that every day would not not reiterate why the plan is working yeah yeah yeah and then you would be doing those things day to day without even realizing. Literally, it's not, or I don't think it's manifestation. It's literally, you just did some goal setting and you found a fancy way to call it manifestation. And we don't need to reach out to a higher being to help us do this because you're the being that does it. Exactly. The power is within you. Okay. So TikTok says you can just think your way to wealth. Oh yeah, absolutely. I've been thinking real hard. You've been thinking real rich. But I still have like $17 right now. You haven't manifested hard enough.

That's the problem, I think. I haven't been manifesting and thinking hard enough. Yeah. What does science say and can they answer the one burning question, which is why am I not rich? Look, let me try and answer that. I guess from a scientific and behavioural perspective, manifestation, quotation marks, is when we're engaging

in a series of, I guess, psychological and neurological processes. I'm done with that. it's actually how our brains filter information, which influences our behavior, which then shapes the way that we make decisions. And we are reinforcing the ones that we want to keep and not reinforcing the ones that we don't want to keep. So like we are reinforcing processes that are stepping in the right direction. And I guess if we look at the process of what actual manifestation looks like or how it can work is you're kind of like priming your brain so that you are now noticing more bright yellow Honda Jazzes. You are now noticing more money related

opportunities. You are now, you know, consistently filtering information or manifesting what you want to focus on. Like you are actively trying to seek out the thing you want more of. And that's really cool. So I guess if you said RV, you know, why aren't I rich yet? Don't know how to answer that yet for you, Bec, but I do know how to say, I want to get richer. That's fantastic. You're going to start manifesting or you're going to start prioritizing the question of like, I want to increase my income. And you're consistently looking for opportunities to do that. And your brain is going to start highlighting, you know, maybe a new job opportunity because that would increase your income. Maybe, you know, salary discussions and you're maybe searching out content

online for that. Maybe you are looking at investment opportunities or even like you're more likely to leap to doing some short things on the weekend. Like I know that you do like little jobs here and there for your friends and family. Like you might be more willing to take that on because you're like, yeah, I want more money. Like I'm manifesting that. So then this job felt like, oh, you're manifesting it. But if somebody else had asked you, oh, Beck on the weekend, could you give me a hand doing this? I'll give you 50 bucks. You might've been like, oh, it's not really worth it. Like CBF, like I'm doing something else. But if you're really focused on making some money but like oh I was saying this week that I wanted to make more money

and then this opportunity manifested itself into my life for Saturday yeah yeah yeah like you're seeing things differently and the reason for this is RAS so RAS is the reticular activating system and it basically acts as like a little gatekeeper like they're the doorman and they are prioritizing what you think is important and bringing it in and then also being like nope you're not wearing any shoes you can't come in the pub like and kicking things out really quickly so we're not even considering them so it's so important because by having this system and it's not you actually having to do this this is actually how your brain works we're actually strengthening our belief in what is and isn't achievable which ultimately is going to boost your confidence like and we need

to reiterate these behaviors right like I would argue again using you as an example that you're more confident with money now. And it doesn't mean that you have millions in the bank, but it means that you're probably more likely to make smaller money decisions with less stress because we are really focusing on that positive stuff. But it wasn't manifestation. It was you creating a plan and starting to reinforce that the plan is working because you're working on it. And that actually means that you're changing your narrative and you're not bad at money. Thank you, VD. But that is for everybody. That's not just a Beck thing. That's all of us. I was doing a live webinar last night and I was talking to a whole heap of people about like budget and cashflow and just, we're not

giving ourselves enough credit for the small wins because I think so often we're comparing ourselves to other people who are close to us who might be better at money. And I know you've mentioned before, oh, my girlfriend's really good at money. So your benchmark might actually be however many savings your girlfriend has sure and then you look at yours and go I'm crap in comparison but like that's not true like you are on your journey and she's on hers and she might be like 50 hours into the road trip and you're like half an hour in and then you're like why aren't I further like because you haven't done the driving yet Beck yeah like you've got to spend the time doing it and these small steps in the right direction one day you look back and go oh my

goodness I drove from Melbourne to Queensland like that's wild but it didn't feel that way Yeah. So I think it's so important to really embrace this because if you're truly believing that you are capable of building wealth, then you're more likely to step into places that help you do that. You're more likely to negotiate a pay rise. You are more likely to apply for a higher paying job. You're more likely to stop yourself when you want to dip into your savings because you're like, no, that's not worth it because it's not in line with what my bigger goal is or what I'm trying to achieve and why? The placebo effect. Yeah. Literally the placebo effect. I love a placebo. It shows that belief alone can change your legit psychological and

behavioral responses. Placebo is effective. There is legitimate research that essentially takes one person, Bec, and another person. They're both like, I have a bit of a headache. One of them gets Panadol, the other gets a Smartie, but they're told it's Panadol. They both have no headache after it. Yes. Like that's how I want my money to work. I want you to tell me I can do it. And then I want to inherently believe it. And if that means I'm eating a Smartie, I don't mind. It's like those melatonin gummies, like, you know, the ones that you have at night to help you sleep. I don't know if they work. I actually don't. Will I continue to take them? Absolutely. They're just part of my little process right now and I believe that they help me sleep better. I don't even care

if you say that they don't work. No. Because they are working for me. Absolutely. The other night I actually rolled over and I took an ibuprofen thinking it was a little one of my sleeping helpers and then I drifted off into the most beautiful deep sleep and then I woke up in the morning it was ibuprofen that I turned around I was like oh my god I didn't even have one but I had the most restful sleep of my life. How good is that? If you believe you can achieve. If you believe you can achieve you gotta trick yourself you gotta trick yourself like gaslight gatekeep girl boss exactly do it to yourself not to others exactly and i think that that way right we're creating an action orientated mindset like we are actively trying to work towards this like

and manifestation when we start talking about these genuine psychological phenomenons and we are starting to talk about you know the science behind the placebo effect and all of that you go well manifestation that's a bit of fluff I'm a research girly like I am not the type of girl that is going to be like oh yes I'm gonna skip down the road and have my green smoothie and manifest my dream life like sorry that's not for me and that is so fine if it is for you one of my best friends does that and I love it for her and she's like you're gonna think it's bullshit but yeah I am but also love you love that this works for you exactly and I think that that way. It's about making decisions in line with our goals and giving ourselves credit for that. Not

being like, yeah, I really manifested that. Like, no girl, you created a plan. You didn't just think it into fruition. You worked hard for that to come to fruition. And I guess when we quote manifest, we can use affirmations like I am a rich man. I am financially successful and I'm not being facetious that's you psychologically reiterating to yourself a narrative that you want to become true and if you write it down if you speak it if you consistently prioritize it that will become your truth yes that will become your reality because that is your focus someone said someone offers you a cigarette at a party yeah this is very maybe not relevant to everyone i've been offered a cigarette at a party one time beck exactly and there's definitely a difference

I'm a cool girl. You're cool. You're cool. Thank you. And you always say yes. Oh, I'm a yes man. And if you say I'm not a smoker versus I'm trying not to smoke, then that changes something.

It changes something because that's actually not in line with my values. Yeah, like if you're like I'm trying not to smoke. The other one's leaving the door open. Yes. It's like I am a smoker but I'm not. I'm trying not to run out. But I'm not a smoker. It's kind of like there really is power in words.

100% there is and I'm going to flip it back to finance but this applies to your cigarette example. but like there are studies on financial growth mindset and they show us that people who believe that they can improve their financial situation they take more proactive steps towards their wealth because confidence makes us more likely to take financial risks it means we're maybe going to start a business or we might be happy to start investing or we might ask for a pay rise but by doing this and by believing that we can like we are actually going to achieve that and That's why whenever people say, I'm not good at money, I'm like, you stop that right now. Like

you stop, because that is not a thing. Like there's no such thing as people who are bad with money. Like there are people who currently are not managing money in line with their values. There are people who are currently managing money in a way that they aren't happy with. We can change all of that, but bad at money. Like what's that even mean? Like bad at it? No, absolutely not. You're adding an emotion to a tool. And right now, you know, you might be in massive consumer debt and you're like, V, I am pretty bad at money. But like, yep, well, actually the reality of that situation is all you did was spend more than you earned. We just had an imbalance. Yeah, let's fix it. And I think that by doing that, you're giving yourself permission

to not perpetuate this negative loop. Like, I want to break that. Like, I don't want to hear anyone saying they're bad at money. You're listening to a money podcast. You can't be that bad at it. You're clearly open to having this conversation. Do you know how many people until they're 80 bury their heads in the sand about finance yeah and it detriments every single part of their life like they can't afford the cigarettes at the party beck god how do you offer someone a cigarette at a party if you can't afford to buy the deck afford them like a thousand dollars now oh my god like i'm kind of glad because i don't want you guys literally getting cancer like yeah you know how i feel about that oh yeah and that's fine but like also you do you like i'm all

about giving you the education yep you being able to weigh up the pros cons make a decision that's in line with your values that's it like how bad would it be if you didn't know that information existed like I feel like this is going back to like when my grandpa sorry pop he's not around anymore he was like smoking from when he was 14 yeah yeah and like that was really positive for him like he would smoke at school like he would do all of that and that was really normal and then he did quit, but according to him, it wasn't that bad because he never got cancer from it. So according to him, it was absolutely fine. But growing up, he didn't have any of the education and the privilege of knowledge that we have to make decisions in line with our values in the

same way that we do today. Same goes with money. Like if he wasn't able to access financial information or anyone wasn't able to access financial information right now, you could Google it. I have 700 free episodes to help you be really good with money. God, she's good. You're doing God's work. I'm trying. I'm trying, but you're not bad with money. Okay. End of story. Yes. We have to stop saying that right now. So manifestation kind of works, but not because the universe is rewarding your good vibes, but just because your brain starts working in a way that makes financial success more likely. A hundred percent. And I think that that is really sexy, but it is a choice. It's not some fluffy thing where you're letting it, you know,

be up to the universe. As I said before, my mom and I used to say, oh my gosh, ask the universe. Do you know what I do still? Like, don't get me wrong. I do fluffy things. I know they're not real though. Like maybe I need to buy more into it because like the placebo effect would have a higher value. I still believe in parking karma, Bec. Like if you let people merge in front of you like that's like getting some points that go towards you being allowed to like get a really good spot at the supermarket yeah okay and like if we turn into a car park anyone who's ever been in the car with me I go hey Bec we're gonna have parking karma today aren't we and you have to say yeah and if you say no I'll be like Bec you're ruining it you're ruining the vibes we need

positive vibes like I need you to also be on this train like we both deeply believe we are gonna get a good park yeah yeah yeah never not had a good park wow I'm gonna try that we always belief. If you tell yourself something, you're more likely to spot it. Obviously parking is really fluffy, but I think it's so important to also give ourselves credit because I can say I manifested a car park. Well, you didn't manifest a pay rise. You worked hard for that pay rise. You put time and energy and effort into researching it. You improved your confidence. So walking in the door wasn't overwhelming. Like you did that. Let's just leave manifestation for car parks and then yeah we work really hard for positive things that happen in our lives yes we

made a plan manifestation hard work well i think let's go to a really quick break and absorb all this information welcome back everyone okay so v we're going straight back into it manifestation law of attraction is there a downside could ever backfire i'm assuming like oh my gosh i had to do some research because I'm like, I don't see how this could backfire if we are creating a plan and working towards it. But there's actually a study from the University of Queensland that found people who strongly believe in manifesting wealth were more likely to take financial risks for get rich quick schemes, join multi-level marketing companies and maybe go bankrupt. So that's not that positive Beck, but I think that that is a reflection of your trust and we need to guard our

trust very tightly. Like I was actually watching a TikTok the other day and someone said like those who trust easier or like, you know, are super kind and super easy to get along with to begin with are actually easier to manipulate. And those are the people that are going to get taken advantage the most because you just immediately trust other people and that's so fine but that's why often people will say oh the nice people always get taken advantage of like yes because they genuinely believed that you had the same intentions as they did and those intentions were really pure like I've heard so many times people might say oh Vy I can't believe they took advantage of me I just didn't see it coming it's like that's awful that that happened but that is actually a reflection

of them and not of you because you would never have done this. So you would just assume everybody else wouldn't do this. So why would you think about it? Exactly. The tension always falls on the person who is taken advantage of and never like, oh, isn't it weird that really awful people take advantage? They always say, oh, isn't it weird that nice people always get taken advantage of? Let's put our attention on the meanies. So we need to protect ourselves as well and make sure that our goals are in line with our values. I think in the finance world, like I have met so many people that have a sense of urgency. I have a sense of urgency for you, Bec, and that is for you to get your stuff together. It's not to see a financial advisor, get a professional involved,

pay for something. If somebody is ever trying to get you to part with your money on a time crunch, they, I promise, don't have your best interests at heart. They have theirs. Whether that is a sale email in your inbox and that email is being like, oh my gosh, 24 hours to go. Like you better get in, otherwise you might miss out. They don't care if you personally missed out. They're trying to reach their sales targets. That was always about them and never about you. That's very true. And the same is true for finance products. The same is true for multi-level marketing companies. The same is true for, you know, going and taking additional financial risks without weighing up the pros and cons. Like you need to do your research as well. Like don't just trust what

somebody says. And that's one of the reasons why, you know, I obviously have heaps of free resources is on my website, but I will always tell you, go to the Money Smart website. It's non-biased. I didn't write it. It's going to reiterate what I'm saying and it's going to put you in a good position because I don't want you to just trust me. Like I would love for that because I know I have your best interests at heart, but I need you to go to market. I need you to see lots of other things and know that what I'm saying is going to put you in a better position because I want you to manifest that. Yeah. Yeah. Okay. So V, we know that manifestation can be helpful, but only when it's backed by action. So how do we actually use manifestation in a way that works?

All right. So if we want to use manifestation and goal setting to our advantage, I did a bit of research and there is a science-backed technique called WHOOP. WHOOP. WHOOP. I don't know. Do you say WHOOP? WHOOP. I don't know. Oh yeah. But you can pick whatever you're more comfortable with, but it's honestly from all of my research and what I've been looking into, I was like, I'm going to find a really good plan. Like I'm not about things that aren't science backed. And it's so funny because I sometimes like to engage in them because they're fun. So, you know, like the Myers-Briggs typology indicator. Yes, yes, yes. So we do that in our office and it's beautiful. It's so fun. Like I love doing the personality quiz, like my team and

I, we all have very similar personalities. So we're all talking about that and we're like, oh my God, we're so similar. But like that is as legitimate as astrology and your horoscope that's written in the weekly paper like that has absolutely no scientific backing but sometimes they're fun but I really wanted to find you a science-backed technique to I guess implementing manifestation and implementing goal setting in a way that hopefully makes sense but also puts you in the best possible position to have literally your best year yet so if you want to turn manifestation into genuine finance progress, we're going to WHOOP. WHOOP stands for wish. What's your financial goal? What is your wish? Let's write that down. Outcome. Why does this

goal matter? Like what's the outcome? Like you want to be better at money, but why? If you don't know the answer to that, like if you have a wish and you don't have a reason why you want to achieve that, going to fall off the bandwagon real quick. Obstacle, what challenges might actually stop you from achieving this? And then plan. So how are you going to overcome those challenges? So this was developed by Dr. Gabrielle Otengi, a psychologist who actually spent 20 years researching how people turn their dreams into action. Wow. She did the hard work for us. What an icon. Why don't you have a big book that's like really popular? Cause that's a lot of time to spend on that. And like So many of us want to turn our dream into action.

You got 20 years of research? Yeah. Speak up louder. I know. But what she found, Bec, was just visualizing success is not enough. Like you can't just say you manifest it and think about it all the time. Sure. The people who actually achieve their goals are consistently positive thinkers about most

things, but they are also strategic thinkers. So they are thinking about their plan. They are thinking about what might get in the way. they are thinking about how they're going to achieve this they're creating a little outline of what steps they need to take it's not just positive thoughts and vibes will carry you absolutely and this is the thing is that like i feel like there's definitely a difference between toxic positivity and i do tell my friends this when they're like no good vibes only i'm like no there's we're allowed to admit that there are negative vibes space for negativity space for

sadness space for all the other emotions when it comes to yourself in your own life it actually matters what your internal monologue is. And if you're just being kind to yourself and I am already feeling empowered or not even at the end of this episode yet, but I do feel like it helps, right? Cause I'm all about positive thinking. I'm the same. I hate toxic positivity. Like you're going to have bad days at work and I want you to feel comfortable telling me about those bad days. I want you to feel heard. I want your emotions validated because once they're validated, we can move on from them because you go, yeah, you're right. That is exactly why I feel that way and this is how this works. And then, oh, but I don't want to focus on it. What I want to focus

on is X, Y, or Z. So I think it's just so important to kind of have the mix and have both. So I guess to recap, the WHOOP method is wish, outcome, obstacle, and plan. And I think that by doing that, we could quote manifest way better. Okay. I love this. Honestly, I'm quite hopeful. I genuinely will try this. So Vy, what's the takeaway from this all? Does manifestation actually work? I feel like I ruined it at the start of the episode by saying it was bullshit, but that's okay. It can work, but only if you are doing it right with a whole heap of other things around it. Like thinking rich is great, but that's not going to make you rich. But thinking ahead is what's actually going to build wealth and create the life that you deserve. And the

best way to manifest money ultimately is let's set clear goals. We need to believe in ourselves. We need to reframe our thinking and we are not shitty at money. We are actually really good at money and we are just learning and we are at the start of our journey. So I feel like being able to, I guess, change your mindset is going to literally shift your money habits. Ultimately, that means more money in your bank account and you will start creating real wealth. I am really looking forward to this I hope that you know whoever's listening if you're driving don't do this but if you're not driving you're sat or you're standing just start writing this stuff down let's start with the whoop method actually no I'm going to start with the Honda Jazz okay yeah we're going to look for the

Honda Jazz's and then you're going to be like damn V was right probably should listen to that episode again and start quote manifesting properly exactly also can you DM me your pictures of the yellow Honda Jazz because like I used to get those and then they fell off because I mentioned it so long ago but like you see a Honda Jazz I'm gonna need a picture of that to reiterate that my theory is a legitimate theory not some you know hippy dippy horoscope all right guys if you have loved this episode as much as Beck and I have loved bringing it to you make sure to share it with a friend who's deep in the TikTok manifestation hole and don't forget to follow and subscribe so that you don't miss an episode and we can keep bringing you the content that you know and love see you

next week guys bye guys the advice shared on she's on the money is general in nature and does not consider your individual circumstances she's on the money exists purely for educational purposes and should not be relied upon to make an investment or financial decision if you do choose to buy a financial product read the pds tmd and obtain appropriate financial advice tailored towards your needs victoria divine and she's on the money are authorized representatives of money Sherpa PTY LTD ABN 321 649 27708 AFSL 451 289.