She's On The Money - Careers, and how to change them

Episode Date: June 8, 2021

Thinking about changing your career? We’ve got you! In today’s episode we unpack how to know if it’s time for a change, how to get started on making that change and of course, how to do it without jepordizing your finances.Our very own money wizard and fearless leader Victoria Devine has written a book! Click here to order!Love the pod but looking for a more hands-on approach to your money? Look no further. Our budgeting & cash flow masterclass is the tool you need to help overhaul your finances for good. Join Victoria as she steps you through your budgeting and cash flow with all of the smarts and none of the intimidating jargon. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at [e-mail] and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.See omnystudio.com/listener for privacy information.

She's on the money. She's on the money. Hello and welcome to She's on the money, the podcast for millennials who want financial freedom. Today we're talking careers and specifically how you can go about changing yours if that is something you want. Maybe you're bored in your job right now, maybe you need an extra challenge, or maybe the field you chose is just not what you thought it would be. No matter your situation, today we'll explain how to make a switch without sabotaging your savings. My name is Georgia King, and joining me today as always is financial advisor Victoria

and author, and like app creator. I'm not an app creator. What are you? I'm Victoria. Not app creator. Well, actually, this leads me to my first question because we're talking about careers today and for anyone new to the podcast who doesn't know your career story can you give it to us? If you are new to the pod I'm not actually usually that self-indulgent in the intro though. Debatable. Yeah debatable actually yeah. Carry on. So tell us about you. I want to know about your career and how you got to where you are. Oh that's where we're going with this podcast. Yeah I just wanted to start out with a little bit of story time. I don't know what my career is if I'm being honest. I don't know where I started. I don't know where I began. I finished

year 12, not really having a clue. I went straight into an arts degree because that's what you do when you don't know what to do and you still want to go to uni and not miss out. And then halfway through first year, I transferred into a Bachelor of Psychological Science, which sounds very fancy and finished that, kind of had a career midlife. Is it a midlife crisis when you're 21? Wouldn't have thought so. Yeah, but let's go with that. It felt like a crisis. When I realized that I didn't love psychology, I went into psychology thinking I'd go into counseling or become a psychologist and, you know, help people with mental health. And that's something I am really passionate about.

And then when push came to shove and I did some practical stuff, I really didn't enjoy it. And to be honest, I think it takes a really special person to do that role. And the experience I had was great it was just that it weighed really really heavily on me and I just knew I couldn't do that as a career like you took it home kind of yeah I took it home I ruminated on it way too much and kind of ended up in a crisis myself being like I can't do this I don't want to do this and I then went to I went to see a careers counselor actually just a local one I found her on google and spoke to her and decided to finish psychology and then I met someone in organizational psychology never thought of that and decided to pursue that because it was business psychology. And I just

thought that was really cool. So I graduated from a Bachelor of Psych Science and then went and did a honours year in organisational psychology. And that was really cool, really good topics. And then went straight into a graduate role-ish from there. It wasn't a grad role. It was kind of grad role. It was like, I don't know, they called it a consultant, but it was like the baby consultant role. So I was working in consulting at 21, 22. And yeah, it was a baby at that stage. didn't really feel like I fit in anywhere because I didn't have the experience that my peers had and given my background was in psychology not in business I didn't actually have a fully comprehensive understanding of how a business worked so I'd walk into these consulting sessions

I'd just be like what like oh you're from accounting what does accounting do marketing oh I just didn't know but what I was doing was culture and engagement and I loved the culture and engagement, but too many times finance kept coming up as a topic during these sessions about why employees weren't engaged. And I was really bad at money. I was really bad at finance. I didn't really understand it. I had a personal loan myself that I'd taken out to go and start studying because during working as a consultant at 21, 22, I went straight into doing my MBA because I just gave myself absolutely no slack and felt like I had to, in a way, I just felt like I needed to do something to not prove myself, but to educate myself because I didn't know anything about

business and I really wanted to. So I started that, started to fall in love with the idea of knowing more about finance from learning at uni and learning from the people I was working with that finance really was a priority, but it wasn't a priority in the space that I was working. So I started talking to people in the finance space and thought it was pretty dry, to be honest, just didn't say anything sexy about the industry but was like come on like this has to be cool like there has to be a way and so after I realized that finance was a priority one of my clients ended up being a financial advisor and owning an accounting firm and through working with them really closely I ended up falling into finance and deciding that the next step I wanted to take

was as a financial advisor so I took a role as a baby financial advisor probably at that time pretty controversially with the client that I was working with. So I kind of like jumped ship from working as a consultant and went and took a role with them because I was so passionate about it. And they were like, Victoria, you would make a really good advisor. And I was like, oh, are you sure? Because like advice seems pretty dry, but it did seem pretty cool. And it was a great opportunity. And from there I started to grow Zella and started to grow She's On The Money. And it was all kind of coincidental. And the thing that I always get stumped with is when people ask me what my career plan was and it's kind of like I didn't have one it just kind of just kind of

happened yeah people think I had a plan and I really didn't my friend yeah that's so interesting and along the way you have had so many little career changes yeah accidentally but I guess the first one is intentional right place right time and a mixture of you know I don't believe in luck but kind of just like it's lucky but it's not lucky like there were opportunities that I decided to seize and a lot of people might not have and I was just interested and I think that being interested sometimes makes you interesting so I guess it's always been my underlying driver how can I have the biggest impact and help people in a really deep way because that's just I guess how I've been built and finance kind of boiled down to be the thing that if I can help you

financially I can help you mentally I can help you physically I can help you socially I can help you in every single way because if we can get that basis of financial literacy down you can put a roof over your head you can put food on the table you can send your kids to school with lunch and it all boils back down to those really basic fundamentals and I think for me being able to provide that to other people is really special and now I see my job as finding different avenues for me to be able to explore that and without I guess now this is just a cushy she's on the money love fest, I guess now without the She's on the Money community, I couldn't do that. So I'm literally grateful every day that I get to do something that I adore, but I don't want people to think

that this was always the ultimate plan or this was what was going on because I can't tell you what I'll be doing in five years either because I've got no idea, I have no plan. But your goal essentially always has been, and I assume always will be, to help people and to help educate people and that's why you studied psych back in the day. That's really interesting to hear. I didn't know it at the time yeah so like this is only on reflection now I'm nearly 30 years old that I go you know what that makes sense as to why I made the decisions I made and sometimes you can only understand your own decisions in retrospect like at the time I felt so lost I think that's really important to bring up as well because it's not as though I was this confident tenacious person

that was like all right well I'll just try something different like no I cried in the bath a lot, my friend. And aren't we all lost? Like that is, I think, just what you are in your 20s and probably your 30s, your 40s, your 50s, your 60s, your 70s, your 80s, your 90s. You are inspirational, Georgie. Thank you. All right. So let's get into the main questions here, V. Where should we start if we do feel like we're wanting a career change? And this is going to be a fluffy episode, isn't it, Georgie? good fluffy episodes are probably my favorite they are my favorite too but like I always feel bad that there's not enough stats in there but all right let's be fluffy people just want your

wisdom yeah look I don't know if it's wisdom or just me talking absolute smack but that is okay I genuinely think you need to start with yourself and take yourself out of the job or the role or the uni degree that you're doing for a moment and say who am I what do I want to achieve what what's my driving force what sparks joy in me and you know what do I like being surrounded by and that's a really hard thing to do when you've hit a fork in the road right where you just don't know which way to go or or what the right decision is or who you should be following but I think that if you can take a step back and go do you know what this makes me feel good I've no idea why but this is what makes me feel good and these are the types of people that I get my energy from and

in my free time I find myself engaging with content that looks like x or y and you know I find myself thinking about different things and I think being able to step back and say well who am I is really important and to be honest it's a privilege that not a lot of people get because sometimes you just go to work go to uni get life done and you just don't think too much about it but it is a real privilege to be able to step back and go what do I want from my life what is there because a lot of us have a lot of financial constraints, whether that's personal debt or a family or, you know, we're looking after our parents or we just actually need

to be financially stable because we don't have any family support. But I think regardless, being able to step back and say, well, what do I want to do? Once you feel like you've got a good idea of that, jump on Google, start looking up careers in different fields and understanding them. Something I like doing is going on LinkedIn. So I don't love LinkedIn as the platform. I don't really engage with it a whole heap. LinkedIn is so weird. But get on LinkedIn and

go and look at people's careers. Go and see some really inspirational people that you might look up to or Google CEOs and see where they started. Yeah, you can see their career history. And I think that's a really liberating thing to do because you realise that most people's career journeys aren't as linear as the world makes them out to be. And when you're in high school, you get fed this idea that the goal is you get a good VCE or ATAR or whatever we're calling it nowadays score and then you have to go to university or do some form of higher education and then you go and get a job and you work until you're 65 and then you retire right whereas that's not really how the world works and it's not how it has to work for you either but I think that the

real lesson here is that if you want to change you can like nothing is stopping you and going and doing your research is the first step in that journey. After finding out who you are. Yeah it's really deep but genuinely like affording yourself the privilege of looking back and going what do I enjoy what is it because I've spoken to too many people who are you know in their 60s who say I just wish I was a builder like I wish I didn't go and do you know this other thing that I did because I felt like it was the right thing and you go I wish you did that too like I really wish that you had that opportunity because you thought about it all the time and then you didn't do it. And I don't want to get to 60 and have not done something because I thought that the other stream was

just quote the right thing to do. Okay. So in terms of actually like logistically making this happen, V, where like, would you say that we should just quit our job today and then start a new one tomorrow? Yeah. We're going to do like an eat, pray, love. You're going to quit your job and then you're just going to find yourself. Absolutely not. That is the worst, most entitled advice really that anyone could ever give you okay because quick just quit your job if you don't like it oh cool like I don't have any other responsibility in life that's assuming I have this massive emergency fund that I can afford to dip into and support myself with like no that is not how the world works so as much as you might want to quit your job I've been there I've wanted to

quit my job before and not been in the position to be able to you can't just do that but preferably I'd love people to be able to stay in their current roles and then find a way to upskill themselves in the field that they're interested in so that they can still make sure that they have a steady income because she's on the money your money is really important so that you can pay the bills while upskilling so that you can sidestep into another job at some point if that is your desire I also think that doing it slowly isn't a bad thing like you can do it on the side don't put so much pressure on yourself that you think all right well I have to keep this full-time job and I better go study you know finance and do it full-time on the side and absolutely burn

myself out like that's not helpful either. So I think it's make a plan and start moving towards it at whatever speed suits you. What if this is a bit of a sidestep but what if you're in a toxic workplace? Toxic workplaces suck. Yeah they're toxic man. Same rules apply. I think you don't want to be too trigger happy getting out of a toxic workplace as much as I want you out of it two I think you need to make a plan so that you are financially safe and start prioritizing your mental health and focusing on things outside of work that really bring you joy and something that if you are in a toxic workplace is really important is setting your boundaries and making sure that you are adhering to your own boundaries whether that is you going do you know what this is a toxic

workplace I'm just going to make sure I do leave at five I'm not going to stay back even if that's the expectation of the firm's culture or whatever is going on I actually need that for my mental health and you are well within your rights to do that so I think if you're in a toxic workplace it sucks but one of the best things you can do is find ways to support yourself outside of work I'm not saying stay there if it's the worst thing in the entire world please there is a lot of support out there that can help you through something if you're actually experiencing like bullying or a really bad workplace situation. But I think if it's just a really toxic environment, making a get out plan is very important. And if you're in the position where you do have a really

healthy emergency fund, this is actually one of those things that I would categorise as an emergency and an okay reason to start leaning on that a bit more. So if you decide, do you know what, I am looking for a new job and I know that I can probably secure one in the nearish future, I'm okay for a couple of months if I was unemployed make a plan do a budget work out what that is going to cost you so that you can quit your job and just focus on yourself so that the you you take into your new future workplace is the best version of you you don't want to be burnt out and feeling like you're carrying a burden when that's not what you deserve so if you are in that privileged position great do that but that's something not many of us can do come over the

She's on The Money Culture. I will bump you up. Absolutely. Okay, so financially, V, obviously starting in a new industry will mean that you have to start again, probably from the baseline of what that industry pays. Yes and no. I think it was Tennille in our group was asking about going for her dream job, which was I think 20K less than what she's currently being paid.

What do you do in that situation? Look, it's really hard. And in Tennille's situation, that's a cost value benefit analysis, right? you've got to work out whether that is going to add enough value to your life to make that jump but something that is really important to remember is that less money doesn't equal less life yeah just because you're taking quote a pay cut it might mean that yeah you can't save as much but are you super stoked to go to work every day has your life fulfillment increased are you now like this happy-go-lucky person working your dream job like that is that's kind of worth the pay cut

like that's the investment you're making in yourself in a way I think it's a decision that only you can personally make you don't have to always increase income to be moving forward in your career that's interesting I think that a lot of people assume well if I leave this job it has to be more pay and I think that's actually a really limiting belief because if you need income great I understand it and I mean if you're telling me hey Victoria I earn $70,000 a year right now and the job I really wants 40. Like that is a very significant lifestyle change, right? Neither of those pays are a bad thing, but that's going to mean that your lifestyle is going to be significantly impacted. So have a think about that. Is it worth it to you? For a lot of people,

it won't be, but for some people, they'll be like, Victoria, to work in that job, oh, I'd sell my car. I'd do this. Like if that is what you truly want to do, stop worrying so much about pay and start worrying more about, is that job going to provide me with future financial security is it going to provide me with the fulfillment that I deserve is it going to provide me with the stepping stones and I mean if you're going into a role they go it's 40 grand they have absolutely no other career options on the table have a think about it because you don't want to feel stuck but I do think it's not a bad thing to take a pay cut to move forward and on that as well I also think it's a limiting belief to think that if you're going to move industries

you actually have to go back to the start of another industry's pay levels or another industry's expectations let's just use an example of psych versus finance because I obviously understand both of those I guess career journeys I worked in psychology I went in as I said before got like a junior grad job and started working in consulting that doesn't mean I don't have workplace experience I might have a lot of workplace experience just not in that particular area. But I brought, I would argue, a lot of value over to finance. So then working in the financial advice space, I could engage with clients better than my colleagues because I had that background in finance. And I was actually a lot better at a few things than the other

financial advisors purely because I had a different level of experience. But then they were much better at a lot of other things, arguably a lot more things than I was. And that's okay. But I think we really limit ourselves by going oh Victoria I work in accounting and I want to go work in marketing and I'd have to start again there's just no point yeah it's kind of like when stay-at-home mums tell me that they have absolutely no skills and I just like want to shake them and go what do you mean you're telling me you raised children and managed an entire household and had all of the planning and literally everything that you've had to do and you say that that's not a valuable skill like I can't even turn up to places on time at the moment and you

ran other people's schedules consistently. Like let's reframe our experiences and remember that what we are doing is valuable. And that just because you want to start in a different career path doesn't mean you have to completely start from scratch. Yeah. Cause you do have so many skills that would be transferable. Exactly. I haven't even thought of that. Good one. Okay. So what if we're getting on and we're thinking maybe it's too late to make a change. I've got a mate, V, who's my age, he's 27 and he's just starting a psych degree. And that we know is a very long... I thought you were about to say that you've got a mate who's 27 and thinks it's too late. And I was like, whoa, gee, that is, you're right, so old. But I'm sure he did pause to think

maybe this is not for me. Maybe I should stick with what I'm doing because a psych degree is what, seven or eight years, give or take a few. It's a big commitment. So coming to that decision would have been really tough for him yeah how do you know if it's too late is it never too late I don't believe that that's what I wanted you to say oh good I'm glad I was like I really don't think that there's anything as too late like my mum went back and studied while I was in primary school and like she's the coolest person I know like I feel like it's one of those things that if you want to do it just go do it go study obviously there's you know a lot of logistics around making sure that that's going to be possible and I'm not taking those into consideration right

now while having this conversation. But if you want to go do it, just do it. Because if you're 40, great. You still have more than 20 years at least of work that you need to do before you retire, unless you're like super rich or have family wealth, who knows. But you have so much time left. So even 40, 50, 50, you've got more than 15 years left. And at this rate, we're not even retiring at 65 anymore, retiring at 70, 75. Our ages are increasing and I genuinely don't believe that anything is too late. And I think that a lot of people start thinking that, especially as they approach 30, they're like, wow, this I guess is what I'm stuck doing now. And you're like, it's not true. And I think in 2021, we have so much opportunity. Like we have so much ability

to fit study and further education into our lives in a way that wasn't afforded to us 20 years ago. you can study online you can study at a university in a different country if you wanted to while living in Australia and I think that that's an opportunity that a lot of us just don't think about you can do night school you can do whatever you want and I think that it is so cool and if you've been feeling like it's too late there's no such thing as too late and also it doesn't mean that your whole career up until this point has been for nothing because you've got all of those skills exactly and it's always transferable and I always find it interesting because I you know speak to other business owners and most of my friends are incredible business owners but I've

come across other business owners who are like oh yeah like I can just not find anyone with the experience I need like okay great but like where are you looking they're like oh I need them to fit this exact criteria like for example if they're looking for somebody to do an admin role they'll be like yeah but they've never worked in admin I'm like so have you found the right person have you found the right fit like have you found someone that you think you can train like you can't train people to be kind and nice but you can train them to do the technical skills that you need them to do and I just feel like it's so limiting thinking that taking on a staff member that hasn't worked in your industry before isn't going to be of benefit to you because as an employer who

has taken on people from different industries who have had absolutely no experience in the roles that they are now employed in it's best decision I ever made. So Macy from our group B is in her 20s and she's looking at a career change, but she says that she feels really overwhelmed by the options available to her, which makes sense because there are a lot of options. Cold analysis paralysis. Absolutely. But so she said that she's worried that she'll kind of spend years and years studying and then she'll arrive at the end of that point and still not really like what she's dedicated that time to, that she might still be disappointed with the option she's chosen. How do you figure

out what you want to do and how do you kind of navigate that feeling of overwhelm? It's a fluffy answer again, G. Give it to me, girl. It's literally about just understanding what you want to do. And again, just really thinking about what sparks joy in me. And I know that that's really hard to do for a lot of people. But sitting down with a pen and paper and just writing out the silly things that really make you happy will start getting it flowing, whether that is morning coffees or like talking

to your dog or, you know, it can start with those things and start to flow into other things. Don't put too much pressure on yourself. You don't need to start listing out. do you know what I really like working on specific client projects like that's not going to be helpful I actually want you to think about the things that make you happy and what brings you energy and what actually takes the energy away from you because we don't want to be doing those things and then I'd also be doing a little bit of creeping what are the outcomes of your degree so

let's go back to psychology what are the outcomes that you would be able to achieve if you finished a psych degree what are those careers have a little bit of a snoop around LinkedIn and see what other people with that degree have done and have a think about well would I do that job what does that look like what's their career history looked like and that's something that can really help you because you can search by jobs and degrees and stuff like that and see what people are doing so snoop around see what people are up to not because you want to hit them up but just because you're like interested in what these people's journeys look like because it can be really bland when you get the careers manual from your university and you're reading through it and

they've got this list of jobs that you might be able to ascertain what does that actually mean yeah and furthering that go and talk to people in that area go and have a chat with someone who works as a psychologist ask them what they love and i've said this on a podcast before human beings are self-centered human beings love talking about themselves why the hell do you think we have a podcast georgia that's true so if you find someone on linkedin that you think's had a pretty interesting career journey ask to buy them a coffee say hey Tony I think that your job's pretty cool I know that this is pretty out there but I'd love to shout you a coffee and just ask you some questions about where you're going because I'm at a point in my life where I'm studying the degree

that I can see you've studied I just don't know what my next steps are and more often than yes people will be so flattered that you're interested in what they're up to and I've done that before so many times and I think that it's just a really smart step if you don't have people in your personal network that you can turn to like use a community that is surrounding you because that's what LinkedIn's for right it's for networking and people are so nice like people are so generous with their time and they they want to help other people and younger people like being a mentor is a really special thing I can imagine I'm a mentor to no one um you're a mentor to me thanks girl that is absolutely true right people love being able to give back and you know what

if someone replies to you and says, no, Georgia, I don't want to do that. Don't take offense. Like you don't know what's going on in their life. Maybe they don't have time. Maybe they don't have the confidence to have a chat with you. Maybe they just don't feel like it that week. And that's okay. But don't take that no personally. Try again, find someone else that you could connect to. The other thing V is that it's really hard that we make these big career decisions when we're 17, 18 years old at the end of high school. Our brains aren't even fully formed. I don't know. I feel like they're not. They're not. I think your brain fully forms at the age of 25. So how are you making decisions for the rest of your life at 18? I don't know.

And it's not even 18. You're asked to start choosing your like your 11 and 12 subjects at the age of 16 and you're made to think about it at 15. You don't even know what real work is then. You're just annoyed that your mum tells you to get out of bed at 11am. Like that is not the time that you should be choosing your future career if you ask me. Yeah, there's a lot going on at that time, but it does make sense that we're choosing these, we're making these big decisions when we're so young. And then later in life, like, oh God, I chose incorrectly. Like it makes sense. Yeah, absolutely. And I don't think you should be hard on yourself if you have made the wrong decision or you feel like you're just not in the right place because you can find the right place,

but you've actually got to give yourself permission to find it first. And that can be really hard because it does feel like you're admitting defeat. And that can be really hard, especially after you've spent and in my situation for a while I did feel like I'd wasted six years of my life studying that I you know wasn't going to use in a future career and now retrospectively I'm like well that's why I'm okay at what I do that's what has actually created me into who I am and it's provided me with not only experiences but friends and I've got this education that I can lean on but let's not talk about the six figures of help debt I still have. All right we will be back after a very short break where we'll be pivoting a little bit to have a more broad chat about career

FOMO see I told you you wanted to be a netball you know I did used to want to be in it yeah I know why do you think I'm oh I I'm smarter than you think I am Georgia let's go to a break okay guys please remember that conversations like this one happen every day in our facebook group they happen on instagram join us guys um let's jump back into the show v so before we jump back into the show i'm just having a look at our script before we record the show guys we sit down and we write a list of things that we want to talk about and have a whole heap of dot points. And often these dot points don't have a lot of context.

And Georgia's written one down that I really want to touch on before she actually talks about the next dot point she's got. And that's G King's potato farmer story. What is the G King potato farmer story? And why was that essential to be in our document for our pod this week? I'm so glad that I wrote that down. okay so basically it was tied to our conversation about figuring out your careers in high school and you wanted to be a potato i didn't want to be a potato farmer we did one of those careers

tests where you like plug in what you're good at what your passions are do little tests and g king destined to be a potato farmer are you serious yes i'm so glad i asked this question so i it obviously didn't work out um but how bizarre I can't remember what I would have plugged in like likes exercise and potato I do love potatoes yeah yeah okay that makes sense it's not too late for me it isn't it's never too late never too late if you want to be a potato farmer you absolutely can all right let's move on from the potato farmer story Georgia um I believe you're gonna go eat pray love on me now. Yes. So I wanted to talk about how career isn't necessarily going to be a priority for everyone because there is, there seems to be a lot of pressure. Yes. Okay. So

Liz Gilbert, a pray love friend of the show. Just kidding. She could be. She could. I reckon she'd be a big shoes on the money fan actually. You reckon? Yeah. She's very woo woo. Could we be friends with Oprah too? Is that a thing? Yes. I think Oprah does listen. We should make a bucket list of people that we can start on the show yeah get on the show can you imagine special guest oprah anyway um so liz wrote she wrote eight pray love but she also spoke um a few years ago now i think about careers and how we should separate our careers from our jobs our hobbies and our vocations so the essence of what she was trying to say was that our nine to five job shouldn't and doesn't need to necessarily tick every single box.

Can you please flesh that out for us? I can. I mean, Eat, Pray, Love is not a book I can say I have deeply read a number of times and followed. It's not my vibe. I'm more like eat, eat, eat, love, eat. That's okay. But, yeah, I think it's really important to realise that who we are

at work is not necessarily what defines us. And side note, I have a separate private Facebook group for people who are doing the Budget and Cashflow Masterclass that I engage with, right? So if you've been doing that, you would have seen this, but it was a beautiful post from a woman who had completely changed her financial life, which was wild. And she was feeling really bad because she had been discharged from the army due to PTSD and, you know, had always felt really guilty about not being able to work and hated that people asked her always first question. Oh, hi, Georgia. So nice to meet you what do you do for work and she always felt defined by that question and I think

that side note here is important because our careers don't define us but it's very easy to ask someone what they do oh what do you do that's the first question and I think we really need to redefine that because what we do for work doesn't define us as people and I don't want to as much as I clearly have a platform and people know me as Victoria the financial advisor like to my friends and family that's not who I am and it's not who I want to be remembered as and I don't want to get all the way down you know to my own funeral and be a bit woo-woo here I don't want someone reading a eulogy being like well she was a financial advisor like I want people to talk about my impact and how kind I was and that I was a nice person and I want to be remembered by those people

around me for how I made them feel not the job that I did and I think that that's a really important thing to point out that you know if you feel bad when people ask you what you do because you haven't found your dream career yet or you're not there yet or you're not working like it's not something you should be embarrassed about I think it's find that thing that you are really confident responding with so talk about a hobby talk about something else that sparks that joy in you but it's not something that I think should define us so it's it's also be very often not the most interesting thing about a person no no because like hey gee what do you do yeah what do I do I don't really know no but you would say oh cool I work in social media I'd be like okay cool like

and I mean you can start a conversation about that but I genuinely think that you won't have as deep a conversation and learn much about a person if you say oh cool what are you doing your job well did you want my job description you can read it and you can probably understand really deeply what I do but why don't we ask someone like how's your week been what have you been up to this week how are you feeling like what do you do for fun or do you have a hobby or do you like pets or whatever you want to ask them that isn't their job and I guarantee you you'll have a deeper conversation with somebody because you actually learn something about them because too many times I've done it too I go into a conversation with someone I'm like hi Georgia so nice to meet

you and then you tell me what you're doing you're like oh cool and then you just don't know where to go from there because I haven't really learned anything about you and I don't feel like I've really engaged with you and it's just not nice I don't like it stop doing that let's cancel asking people what they do as a first off the bat question. Done. Thanks. Canceled. Okay. So let's go back to this job, career, vocation, hobby thing. So basically the job, that's the thing you do nine to five. That's what pays the bills and everybody needs a job. You know, most of us. Well, you need something to pay Georgia. Well, then you're set. That's your job. You know what I mean? Can that be my job? Where do I apply? Wouldn't that be nice? It would be. I'd be bored.

so your career is then something you're deeply passionate about pursuing and something you're really dedicated to so not everyone actually needs one of those but some people crave having a career and that's what really fulfills them so for you that would be being a financial advisor yeah I love what I do and that's the thing that I get frustrated with because a lot of people like oh don't work so hard I'm like oh yeah but I love it and often I'm the one that's dumb to when people like, what do you do for fun? You're like, she's on the money. I go in my Facebook group and they're like, yeah, but don't you have like a hobby or something? I'm like, no. Oh, I have a cat. I have two cats. I have a dog. And then I sound crazy. But that's okay. And you know why? Because this

leads into the next point is because she's on the money and what you do in changing women's lives and empowering us all and educating us all. That is your vocation. It is indeed, my friend. This is the one that's a little harder to wrap your head around. So I'm going to quote friend of the show Liz Gilbert a vocation in quotation marks guys is like a sacred calling of something that is very holy to you right I don't like this that is the center of your life that you know can never be taken away from you no matter what so say someone came in tomorrow and they were like she's on the money shut down for whatever reason you would still keep on doing what you do because that's your driving force so that is kind of what that means yeah I understand this better than I

think I do you do maybe you're going to be a careers advisor and tell people to be potato Farmers. Or maybe I'll write an award-winning novel and it'll be turned into a motion picture film. That would be very good. Maybe. You're going to move to Bali full-time. Wouldn't that be nice one day? Finally, a hobby is a hobby. You know, you get it. No monetary return for it. You might like making jewellery, so you might do that just for fun or whatever. But the message is nine to five doesn't have to be your everything. So just remember that, guys and gals. Yeah. And we will post a link in the show notes to an interview of Leah's talking about it because it explains it more articulately than Georgia but you did it really well and it was actually a really good

interview to read through as well so I think that would be you know a little bonus something something on the side for you guys okay let's move on B FOMO plays a part in a lot of our lives in many ways it does indeed career-wise talk to me about it because I feel like it does creep in there it does I feel like we compare our journey to that of other people and we often do see people who have these big careers and feel like that is the goal or the dream or the expectation but it's not about what other people are doing it's about what you're doing and some of my best friends don't want a career they want to be a mum and that is so special and so nice and I'm so grateful that they're in positions where they're going to be able to do that and for me

that's what they should be chasing and I think that a lot of people feel like those people with careers judge other people who aren't doing the same thing as them or doing quote as much as they are and it's just not the case so something I've been talking about internally with the team but you're not in the team Georgia because you have another job and you're never in the office so you don't get my rambling you're in the team you're just not in the office it's very sad but we've been talking about how people above you will never look down on you it's always the people below you who are looking at you and judging you that the people who are actually flying in their careers they don't have time to think about what you're up to. They don't care. They really don't because

they're focused on them and that's what you should be doing. The people who have time for judgment and hate and making you feel bad about your work, where do they have the time for that? Where do they have the energy and why are they contributing so much time and energy to that? It's usually a reflection of their own insecurities and what they're feeling inside and it has absolutely nothing to do with you. So I think it's really important to see that. But in a world where social media is psycho. Even platforms like LinkedIn, which we've been talking about, present a really certain image of different industries and what it can be really like to have a career in that space. And I just think it's so hard to live in a world where LinkedIn and Instagram and

Facebook and literally TikTok and every other social media platform popping up. It's never someone's true experience. Like we only put things on social media when we genuinely have time to do that. And that's usually when we're having fun and it's a highlight reel of what's going on in your life, not the true experience of it. So I think we really need to remember that as much as I've said this on the show before, I know it's hard. I do it. I look at other people on Instagram and I'm like, wow, that's so cool. I wish I could do that. And I sometimes have to take a step back and go, nah, that's not for me. I just want what they've got because I've seen it so often. It's ridiculous. Yeah. And you never see like the hours poured in that they're, you know, when they're

trudging away, working hard, getting up early. Like you don't see that. You just see the fun after work drinks, you know. Exactly. All righty. So to wrap today's show, finding a career we love is hard. But if you want to make the switch, the best thing you can do is to gather as much information you can about the new industry you're planning on entering.

Do your Google searches, find who you are, chat to people who are in the industry, make the most of LinkedIn, move to Bali. And what else? volunteer if you can as well and dip your toes in the water of different industries in different ways just because you think you want to work in marketing doesn't mean you do so go to the industry events you know volunteer for something go talk to people on linkedin and actually understand what you're getting into before you do because a lot of us pick careers based on what we assume the experience is going to be like not what the actual experience is yeah so get your hands

dirty first get your hands dirty become a potato farmer love it all right b that is all we have time for today i reckon but just before we head off we'd like to acknowledge and pay respect to australia's aboriginal and torres strait islander peoples the traditional custodians of the lands the waterways and the skies all across australia we thank you for sharing and for caring for the land which we are able to learn we pay respects to elders past and present and we share our friendship and our kindness the advice shared on shoes on the money is general in nature and does not consider your individual circumstances she is on the money exists purely for educational purposes and should not be relied upon to make an investment or a financial decision

and we promise victoria divine is an authorized representative of australia pacific funds management proprietary limited abn 34132463257afsl339151 and if you loved the show today or even if you didn't please join us in our facebook group it is where our community shares money tips and tricks every single day free of judgment search she's on the money on facebook and join us we will see you for a deep dive next week see you guys