She's On The Money - Fight, Flight or freeze? How I Overcome Anxiety Around Investing.

Episode Date: October 1, 2026

Lovers, we’re in a romance recession! :’[ Join Bec and Jess for a laid-back episode of Friday Drinks, featuring this week’s Money Wins and Broke Tips, plus a romantic Question of the Week (aww cute). While Victoria is away, these microphone mice will play, bringing you some casual yaps concerning community dilemmas and DMs.  Starting off, they’ll be discussing a relationship-related dilemma concerning superannuation and permanent residency. Then they’ll be rounding out the ep with a very relatable experience concerning an investing practice. Raise your hand if your share portfolio has ever put you in a state of fight, flight or freeze? Tune in if you want to feel less alone and more prepared for the highs, lows and realities of investing.  INVESTING CHEAT SHEET, INCOMING: Grab a copy of our investing cheat sheet over on our website shesonthemoney.com/download-resources. WTF IS COMPOUND INTEREST? Learn all about what folks have described as the eighth world wonder by searching for ‘compound interest’ on the blog: shesonthemoney.com/blog LOVE WINS: Whether you or your partner is pursuing a PR, learn all about your superannuation rights over at the ATO: https://www.ato.gov.au/individuals-and-families/coming-to-australia-or-going-overseas/coming-to-australia/returning-to-your-home-countryAnd https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/temporary-residents-and-superannuation/departing-australia-superannuation-payment-dasp#ato-HowDASPistaxed New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you.  Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com) 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 - 4451289See omnystudio.com/listener for privacy information.

My name is Natasha Bamblit. I'm a proud First Nations woman, and I'm here to acknowledge country. T. Glynianganya. Neenakakakya. Neenakana, you've been aakarumja, Duma'embeka, Duma'uakkeniwa Mewam and Daman imalan.

Mewabangada, Bama in a yankaramara, Wutanana. Hello beautiful friends. We gather on the lands of the Aboriginal people. We thank, acknowledge, and respect the Aboriginal people's land that we're gathering on today. take pleasure in all the land and respect all that you see. She's On the Money podcast

acknowledges culture, country, community and connections, bringing you the tools, knowledge and resources for you to thrive. She's on the money. She's on the money. Hello and welcome to She's on the Money, the podcast where we usually cover all of the issues concerning your personal wealth goals. So you can feel more in control of your financial future. but not today. Today we are trading all that fin talk in for something more frivolous. Friday drinks, that special time of the week where we gather for laidback chats about your money wins, bro tips and any unhinged questions that you may have for us.

If you aren't already acquainted, she's the karaoke forward, sometimes mosaicist, lover of a scratchy towel, excite. Hi! How fun of the intros. That's so cute. They're so nice. But of course, I'm Jess. Some of you know me is that she's on the money partnerships manager, co-house.

and lover of a white lacy top. VD's not here today? No, and I tell you what, that interview, I personally, I'd be saying a lot more. Oh, stop it. Okay. That's very sweet. For fact, we both have some experience with investing, but has the decision to invest ever put you in a state of fight, flight or freeze?

Oh, me? Maybe. I'm keen to get into it. Well, I ask because this week we'll be discussing the dilemmas around starting a share portfolio plus where you might consider investing if your partner is a temporary visa holder. Of course, we'll also be covering an important question of the week as well as a few choice tips on how to push your dollar further. But before all of that, we'll take a quick break.

Don't go anywhere. All right, we know you're likely listening to this episode in your car or maybe on your morning commute, but what is the weirdest place you've ever tuned in from? We've got to know. And while you're pondering that, we've got a five-star review to share. Each week we take a leisurely stroll through our comments, DMs and streaming platforms to see what do you think about the show? And if you'd like to share your praise, please leave us a review wherever you get your podcasts. Gorgeous.

This week's one comes from Miss Lily M, who says, I've been a long-time listener. I started listening on the drive to school when I was teaching one hour away a few years ago. Now I listen as I do my housework. It's like catching up with a fun and financially savvy friend. I have even sent certain episodes to friends of mine that I know will benefit from listening. Very recently, Victoria offered her books to educators, so I snapped up the opportunity and was able to lend out her first book to a year five girl in my class who found it valuable and will now be prepared to manage her money when she's a grown-up. That's gorgeous. I wish I had She's on the Money content when I was that age.

I can't wait to keep sharing the books she kindly donated. Thank you, She's on the Money and Happy 1000 episodes. Oh, that's beautiful. Thank you so much. Oh, Willie, it's just so kind. I love hearing the ways that the show has impacted you. And I love knowing that the book is now going to be in your rotation and present for the classroom. I certainly wish that I'd learn this stuff when I was in school.

And I feel like a lot of people probably feel the same. Absolutely. If students ever have any questions for us, please send them through. Please. All right. Speaking of questions, here's today's question of the week. It comes from none other than Vibrant Rabbit 4322. I'm the bird certificate.

Of course. to be mistaken for Vibrate Rabbit 4321. Of course. Ah, different. Okay, yes. Who asks, what is your ideal date night? Oh, that's so cute. You're so one for a fun date night.

I'm excited to hear your answer. You're so sweet. I love a date night. And I tell you what, this question has come at the worst time and the best time because now that I am very single and yearning. And Jess, if you're listening, let's get back together. My favorite kind of date night, I like one that's like themed. I love a themed date night.

And also I like something that's cozy. We're not spending money in my dream date night. So we're at home. I'll just pick one that I actually have done. But it was like I transformed my room into a movie theater. I'm not sure if everyone remembers. Yes. I remember, of course.

And you know, I had like candy bar, the red and white stripes, fake movie curtains, movie tickets. Yeah. I had a friend check the tickets and, I mean, she patted us down if she didn't need two. We had the full experience. I don't remember getting patted down going to a cinema, but, you know, it was just really, really fun. So something like that where you can like do a bit of role play and also arts and crafts and also it had like money, like, you know, the prices on the menu for the candy bar like 10 cents or anything, you know, it was like just really fun.

So that kind of thing where it's like silly, play. full. Think of something you'd do with your own children. If you didn't have children, you could still have fun doing that with adults. So that's probably my kind of fun. Yeah. And do you? Oh, I love that. I feel like our go-to is dinner and a movie. Yeah. That's one of our favorite activities. If we're going like ideal dream money an object, I do love like an evening museum gallery show. Oh my God, I love a night at the theater. something like that and then a dinner at a fun restaurant in the city that we don't normally get to go to. Totally.

That is my dream. But obviously it's quite expensive. So it's not a regular. Sure. But it is very fun. Oh my God. So, so fun. I've been to Gimlet.

I think I have been once with Victoria. Oh, gorgeous. Yum. My favourite in the city, I love Chin Chin Chin. I know it's very basic, but I love Chin Chin. Yes. I haven't been there yet as like a diner. Oh.

But I would love to go. Yeah. We should go sometime. Yeah. It's really, really good. And close by to like a few of the theatres too. Gorgeous. Amazing.

Well, maybe we should do a poll. We'd love to hear what kind of dates our listeners are going on. After all, we are in a romance recession. Have you seen that data? I haven't seen it, but I do know there was like a big influx of breakups like the start of the year. Just like anecdotally you've noticed it. I noticed it anecdotally. Is that what this?

Yeah, some data's come out that says that I can't remember the stats and I don't want to say the wrong thing. But basically like a certain percentage of people are dating. less or not dating at all because of how extensive it is because of the economy of it all. I see. Okay. And then of course there is the male loneliest epidemic though. Well, of course. I'll tell you what, top of my list of things to fix.

Well, the smallest violin. Please let us know what your go-to date is. We would absolutely love to hear it. But there is something else that I would really love to hear. Okay. If you would love to hear them as well. Tell me. Some money wins.

Oh, yes. That would be lovely. Sorry, Jess. I don't know. I got so scared. I, guys, whenever we're by ourselves, it's just... It goes off the rails a little bit. It gets a little piggledy, piggledy.

That's all I'm saying, you know? I would love to hear some too. Thank you so much. The first money win that I have to share with you is from Jamie, who said, Moneywin, I just got back from six weeks in Europe and I came home with $1,800 still in my holiday spending account. Amazing. I don't think I've ever heard of anybody doing that.

It could never be me. And Jamie said, I could have bought so much more but gelato. I know. Oh, my God. It's almost like a bit of sweet. It's like, oh, I could have had much more fun. But then you come home without stress. And that is very lovely.

Very lovely. Next money win is from Paula, who said, I have paid down four debts in the past two months, and I am on to the next one, which will be paid off this week. Now I've just got two more to go. Amazing. That's awesome, Paula. Well done. Keep going.

Keep pushing up the hill. Don't lose momentum. Next, I've got a money win from Maya, who said, money win. My local cafe owner told me not to worry about paying for my coffee. today because he loves my character and my loyalty. Oh, that's so sweet. She was like, are you in love with me? I know. And that would work on me. I didn't love with you for having said such a lovely things about me. 100%. That is working on me. That is gorgeous. That's so sweet. I love the idea of just a little like surprise moments. I'm trying to do this thing at the moment. I'm just calling it like looking for joy.

I'm sure there's probably a word for it because it's not exactly an original concept. But I'm trying to like take note of the little good things that happen. I think getting a list in my notes up, like the other day, I was running late to go somewhere and I got the very last car park in like a 10 block radius. And I was like, oh my God, universe is on my side. Amazing. Buris gives you a free coffee. Beautiful little thing. Yes. Yes. Yes. I would highly recommend it for anyone who's a little bit pessimistic or prone to a case of the sads like I am. It's just really nice to look back and be like, wow, there's so many beautiful moments. There's so many little good things that If you just hold on to those.

Yes, absolutely. I really like that. Next, I've got a money win from Tanya who said I was waiting for a sheet set in Target to come on special. And then I realized I had enough flybise points to get it for free. Amazing. I also got extra pillowcases and a large European cushion love free stuff. Great. Don't we all?

And then lastly this week, I've got a money win from Corinne who said I downgraded my iPhone to a cheaper model saving myself $35 a month. Hell yeah. Okay. Which I love that. You don't need the latest and greatest. No, you absolutely don't. And sometimes like instead of the pro, you just get the regular, like save so much money. It's so much cheaper, 100%. And that's the same thing.

So that's the thing. If you're looking at upgrading your tech, just look at the other options, I would say. Now, Jess, are you ready to hear what I have to say? Always. I love to. I never know what's coming and I always enjoy it. Oh my God, amazing. Well, so I've got a few broke tips this week.

Two from the community. One for myself as per. This first one comes from Madison, who says, check your bills for estimated readings. My power and gas bill are combined. They estimated that my gas used four times what it normally does for a month and tried to charge us nearly $450 for the last month. So I would never think to check this. I'm just like blindly paying for everything. Because it is funny that they still have meter readers, which is amazing. I have a friend who's a meter reader. And I'm like, I've always wanted to be one for the reason. It's just like walking around

the fresh air. But I'm like there, you know, it's possibility for human error is what I'm saying. And so check that on your bill. Make sure you're not being overcharged. And they don't do it every month because this has happened to me. I remember once maybe like a euro show ago, we got a huge bill. And I was like, how is this possible? Like, do we have a gas leak? What's going on?

And then I like went out and checked me that and it just was like not, they hadn't got a number wrong. Like they'd obviously just estimated it based off the time of year and maybe other people's usage or historical usage for a house. So I don't know. And it was hundreds of dollars cheaper once we got it rectified. Oh my God, it's crazy. Sometimes you just can't physically see the box or whatever or sometimes they're estimating and it's like, I can't believe how much that changes the amount that you're being charged. You know?

Like you will get a creditor back if they overest, I think maybe they come out once a quarter or once every two months. And so it's happened before where we've had a really cheap bill because they've credited forward from something where we've obviously overpaid. Got you. But if money is tight, if you're doing the money to be overpaying for something, just a whole check. Absolutely. Two seconds. Yeah, exactly.

The next one comes from Steph who says tart does 40% off all full price products for teachers. Just have to verify with your staff email. So tart is spelled T-A-R-T-E. They're a makeup brand. Make-up brand. So if you're a teacher, it really does shock me. And this is a conversation for another time, but like teachers and healthcare workers, like I will cut up an Instagram video and be paid more than my literal friend who works at Peter Mack Hospital.

Saving lives. Saving lives. Helping someone's like overall well-being and quality of life. And I'm like, that is insane. Same with like teachers and stuff like that. Anyway, it's a story for another time. So take advantage of these little bits and pieces while you can. And stuff's great.

I don't remember they call it. They're like the little clicky up lip products. Oh my God. I have one. I love it. It's gorgeous. Oh, my God. Perfect.

There you go. So teachers out there, if you're listening. And my one is, I know we've talked about libraries a lot and their resources, but I just discovered in Melbourne. bin, and maybe this is a thing in like other cities or states, makers space, which includes sewing machines, 3D printers, jewelry making, laser

cutting, metalwork, classes and workshops more. And there's literally more than that as well. Yeah, they have an embroidery machine at the one in your clients. Embroidery machine. It's a crazy. So I feel like if you're anything like me and have like a new craft or hobby or obsession every one second, hold off on buying everything and then like having it sit in your flound dream for five years. Just go to a maker space if you have one nearby or if you're in

Melbourne and just like dabble in it first before you buy or you can even run your whole business from there. I feel like I've mentioned this before. Maybe I haven't. I saw a TikTok once of somebody who she wanted to do embroidered napkins for her wedding favor where you would embroider it with somebody's name and it would be their place setting and they could take it home afterwards. Cool. And she did her entire wedding guest list at a maker space. Oh my God. So it's like she paid obviously for her materials, but she didn't have to buy an embroidery her machine or pay somebody to do it because she just did it there. Yeah, that's so cool.

Oh my God, Gies said that to me. Absolutely. Thank you. I love the concept. Like the community space, you can learn. I feel like it's a space where other creative people like to hang out so you can meet people who like to do similar things to you. That is so cool.

Library to the best. I know, totally. I love it. Amazing. Well, after the break, we'll be discussing a few dilemmas, starting with one about investments in love and money. Don't go anywhere. Welcome back, everyone. Let's take a listen to this week's Money Dilemma.

Hi there. Have you got a Money Dilemma you just can't solve? The She's on the Money team is here to help. Every week, we tackle your dilemmas, both big and small to answer your most burning money, career and life questions. To get involved, simply head to our website and leave us a short voice recording and you might just find yourself on the show. Now let's take a listen to this week's Money Dilemma. Hi, she's on the money. I love the podcast. I have a money. Dilemma. My partner is not a permanent resident in Australia yet. We've applied for a partner visa about two years ago and hopefully that will be approved soon. Yesterday, we logged into his super for context. He runs his own business, so he pays his own super and he has been in Australia

for about seven years. His super is only at 11,000 and he's 34 years old. For comparison, my super is pretty healthy. I am the same age as him and I have. have about 250,000 in there from my employer contributions of 17% and also additional salary sacrifice, even contributions I've made on top of that. We both invest and my partner is kind of prioritising me investing because he sort of views it as that's kind of what a superannuation fund does anyway. And it also just gives him a bit more control, especially given the uncertainty around his permanent residency. So my understanding is if he had to leave the country, he could withdraw his super, but he would pay like 35% tax on that or 25%? I'm not sure.

Anyway, I guess my dilemma is, should we be making a concerted effort to contribute more to his super, you know, assuming that he becomes a permanent resident, or is focusing on investing right now just as good an idea? That is a really good question and not being the financial expert in this dynamic. I am listening to this and just thinking, probably, Probably investing in like shares, ETFs, being in the share market is probably wiser purely because, I mean, you don't know yet if that will get like their permanent residency or their citizenship. So just to be on the safe side, I'd probably be, you know, focusing more on, yeah, the share

market, unless or until you get that permanent residency, no. I know exactly what you mean because I feel a little out of my depth as well. And so the team have actually pulled some quick facts for me to share with everybody. Great. Might be very helpful. Now, obviously, we cannot give you a financial advice, but some things to keep in mind. If you are a temporary visa holder earning above a certain threshold in Australia, you will accumulate superannuation, which it sounds like your partner has been. You cannot access your super until you leave the country permanently or presumably hit the age of retirement.

If your temporary visa ends or is cancelled and you need to leave the country, you can then make a claim to get your super back via the ATO under what is called a departing Australia superiors. annuation payment or a DASP for short. DASP, a DASP. Your super is then taxed under a final withholding tax arrangement, not at your marginal tax rate or regular superannuation rate of 15%. Depending on whether you're holding a working holiday maker visa or not, this can vary. It's going to obviously be a situation-to-situation type of person. But the ATO does have really extensive write-ups about how this would be taxed.

And so if you're not familiar for your situation, we would say head to the ATO, website because they've got all of the resources there and they have a help function. So if you have questions, you can also pick up the phone, call them, get a little bit more info or redirection to resources or anything like that. Now, if your temporary visa ends and you are approved for permanent residency, which obviously fingers crossed for your partner, your super might be transferred to the ATO as what is called former temporary resident unclaimed super. You can have this then transferred directly to you or transferred into an Australian Superfund

You will need to double-check the ATO's policies around whether this is taxed and if they pay you directly. You would kind of think that because you're then a permanent resident but not yet an Australian citizen, you might qualify for the 15% tax rate, but do your research. Okay, okay. Does that change how you feel? I don't know. I think I'd still, and it's not even more like for the tax side of things or like even the smarts of it all. I'm just like, when I used to work in Super, I just remember the people,

work being insane when someone would like leave. And then you have to have an Australian bank account and then but you maybe have to be in Australia to set up Australian. I don't know. I just remember there was so many like annoying things where like people sometimes just couldn't get their super until they went back to Australia for some reason. I can't remember exactly why. And so I'm like, I still would be like wary about that just purely because of like the annoying parts of it all. Yeah. Yeah. And also you need like a witness, but the witness has to be in Australia. I just remember there was something really annoying about it. I think overall or overarchingly, I would say speak to an expert whether you're contacting the

ATO or whether you're speaking to maybe an accountant who specialises in people who may not be Australian citizens. Even from just reading those quick facts to you guys, there are a lot of little, you know, it'll depend on your situation or this or this. And I think if we're thinking about your long-term wealth, your future, it is worth even if you have to pay a little bit of money to get some advice from an accountant or a specialist. I think it's money well spent. Yes. My take on it is that you're probably doing the right thing by investing anyway because,

you know, the logic is sound in that your superannuation fund invests. If you're investing and you're leaving it in there long term in the same way that it would be in a super fund, you know, it's not exactly the same thing, but the basic concept is very comparable. You know, you could always allocate a portion of your investments to your super if you became a permanent resident, so you could withdraw it and move it over if that's something you wanted to do. But again, I think it probably is worth speaking to an expert because you once want to look at the situation holistically. You know, maybe it's better for tax purposes to make contributions. But again, it will all depend on what kind of visa it is and, you know, whether or not you do end up becoming a citizen and all those sorts of things.

I'll be honest, I'm not super across it. So maybe time to phone a friend. I know you phoned a friend in phoning us, but a friend who specializes in this area perhaps. Yes. Yes, totally agree. And good luck with everything. 100% good luck. Fingers crossed. That comes through for you guys soon. Now, if you have a dilemma that you'd like answered on the pod, visit the podcast page on the

Shiz and the Money website, leave us a voicemail. We review each and every single one and yours might just make it onto the next episode. But maybe voice notes aren't really a thing. And if so, you can always DM us to share your dilemma, just like this community member. VD, please help. I've finally reached a point where I have fully funded my emergency fund. I have no consumer debt and I know the next step is to start investing, but I'm completely frozen. Every time I think I'm ready, I convince myself the market is at a bad time and I'm too scared to invest because I'm worried it'll keep falling. I've had money sitting in a high interest savings account for over a year because I keep waiting for the right time and I can't help

but wonder if I'm doing myself a disservice. I also keep comparing myself to people who started investing years ago and feel like I've already missed the boat. I know that logically investing is long-term game, but I can't seem to get past the fear of making the wrong first move. Has anybody else struggled with actually taking the leap into investing and what helped you finally get started? I think it's really common to feel like that. And I certainly did too when I started when I just put like 10 bucks into shares years. And I was like, well, this isn't going nowhere.

But then before you know it, it kind of snowballed. That $10 obviously isn't, I'm not living off that right now. But I guess you just kind of like keep putting more and more in. But I think that it's really funny, and I just want to make this clear, maybe this listener already knows, but when the share market is quote unquote bad or however you'd say it, it's like for me, that's really exciting. It means that everything's on sale. So if you're thinking that you're going to buy shares or ETFs or whatever right now and like the market's like crashing and it's going to crash even more, then it's like everything's just on sale right now. It's the best time to buy, you know, but I'm not like to give advice. That's obviously not advice. If it was, it would be really bad. But. The way I like to see it is when I tell myself, if I want to like start something new or whatever, whatever, like we've really been conditioned to think that everything's too late. Like it's like we're too old to be like, I'm really going off track here, but I was swinging my legs when I was sitting on a stool waiting for a cough the other day.

And I was like, oh, I should stop. I'm too old to do that. And then I thought, where's that idea come from? It's like, we're not too old. It's not too late. Like we're just like told these things. But where's the evidence of that? So you're going to be, hopefully, still here, still thriving.

this time next year. Do you want to get there in the exact same position or do you want to get there having been one year into the share market already? Do you know what I mean? Like that time's going to come. For me, it's like I'm going to be 35 regardless. And do I want to be 35 with some money in shares or do I want to be 35 still wondering if I should put money in shares, you know? So I think that look at it that way, just put it in there. The market's going to perpetually be fluctuating. And so you might always have this dilemma. Just chuck it in a small amount first. It's very daunting if you're putting all your savings or all your money in there. But just put a little bit every now and then.

And then you'll kind of like you'll get on a roll and you'll start enjoying it and you'll be less scared. So start small, I think. Starting small is great advice. I think as well, it sounds like our listener is getting analysis paralysis because they're tied up in the concept of trying to time the market. And all of the data, all of the research shows that if you try to time the market, it, nine times out of 10, you're going to fail. You're never going to be able to pick the

perfect moment to invest, which is where that concept of dollar cost averaging comes in. If you're making regular investments, you are going to hopefully end up with the sum of the average as opposed to always getting the best or always getting the worst. Now, there are a few tools out there which we can link in the show notes, which we've mentioned on the show before. There's the tool that will tell you your optimal frequency for investing that we spoke about a few weeks ago. I also think just play around with a compound interest calculator. If you want to motivate yourself, nothing does it.

And also be careful because it might put you into a little bit of a sad spiral, but nothing will do it like seeing the lost opportunity. So if you look at, okay, I've got $1,000 in my high interest savings account. In the last 12 months that I've been sitting on that, it's earned me X amount in interest. And then you're, okay, well, if I'd put that into an index fund, or whatever your investment of choice is, over the past 12 months, what could that have earned and what could the projection of that be in the future? I find that really motivating personally

because I like to see the physical numbers. I think the math is really, I guess, motivating to see, well, X could become Y with a certain amount of time. And so maybe that will be enough to encourage you to get started. I think exactly as you said, you don't have to jump in both feet. Shares is great because you can invest fractionally. You can invest as a little is one cent. You can do whatever feels good, get the lay of the land, build your confidence. But I think more than anything, if you're worried about picking the best time, you need to let that thought go and focus instead on something like dollar cost averaging or a strategy that lets you even things out a little bit, so to speak, because you're never going to be able to pick it.

If you could, we'd all be billionaires. And unfortunately, that's not the way it works. Yep, exactly. Very well said. What did everyone else say? Okay, so we did obviously ask a few questions over on Instagram. If you ever want to participate, we love getting your thoughts. The first thing we said was, what is holding you back for investing? 3% of you said, I'm waiting for the right time. 19% of you said, I'm worried about losing money.

30% of you said, I don't know where to start. In which case, I would say, we have a podcast playlist, all about investing. We have many, many, many investing episodes. Yes. Go back and listen to those. We'll link that playlist in the show notes. 48% of you said, big snaps queens, I already invest. We love to see it.

Always 50% of the listeners invest. That's incredible. Is that amazing? Yeah. Next we said, if you are investing, how did you start? 49% of you said, I just took the leap, jumped in feet first. 10% of you said I researched for months. 14% of you said somebody helped me get started and 27% said, I haven't started yet.

Okay. Okay. It's okay. Lastly, we asked, what's your investing personality? Interesting, like, fairly even split, I would say, quite close. Forty-three percent said set and forget. 27 percent said, I check my portfolio all the time. They're a bit of a beck jumping in five times a day, just in case. Just in case. And 31 percent of you said you are still figuring it out. And then, of course, we asked for your two cents. And we did get lots of fantastic submissions. First person said, what's wrong with doing it wrong?

You can always change your mind later. Yes, very true. And I loved that. I've never heard somebody say, what's wrong with doing it wrong? Yes. I read that and my brain chemistry was altered. Oh my God, I really like that. Especially if you are starting with just a little bit, so you get it wrong.

Oh, who cares? Just stupid. You know what I mean? Exactly. I really, really like that. I really, it resonated with me. The next person said, take the leap with a small amount, make mistakes and then build from there. Yep.

Somebody else said start small, even if it's $5, it will give you courage to put more and more in over time. So true. Somebody else recommended doing a risk profile and investing in ETFs because they can do the work for you, which I think is a really good call looking into your risk profile and understanding what investments might align with you. Yeah. We do have a podcast episode on that and figuring that out. I would highly recommend it. Somebody said, I made my boyfriend sit down with me and show me exactly how and to provide suggestions on what to do.

obviously be careful where you take your financial advice from. But if you have a friend, do you know somebody who invest, who could maybe show you their strategy or talk you through things? Yeah. If not, let the community be that friend for you. I'm sure there are lots of people that would be happy to help. For sure. Somebody said,

an action is better than no action. Yes. Which I also really like. There's lots of great little one-liners. Yeah. It's really motivated. Someone else said, when do you know if it's been worth it? Huh.

That's a great... It's a philosophical question, isn't it? Because the thing is, like, let's say you invest it. your first ever investment, you put 50 bucks in, and then the next day, the market falls further. Oh, no, my share's only worth $25 now. It's worth half of what I put in. That's where some people might panic and go, oh, my God, share market's awful, pulling it out. Yeah. But then a year from now, stock doubles in price.

Yes. Your share is now worth $100. Like, there's just no way to predict. And I think that's sometimes picking those maybe managed funds or ETFs where you know that a professional is building them out. Yeah. Might feel a little bit less risky, perhaps a little bit more aligned to your risk profile. Totally.

But when do you know? When do you know? That's such a good point. Somebody else has said, Nike, just do it. Time in the market, not timing the market. Good luck. Yes. I loved.

So I also said get comfortable with it first. This one made me giggle. Start wild. Cull later. Yes. The Syed method. That's so sweet. I completely agree.

And I back that. which I thought was really, really cute. Lots of people are reflecting the sentiment. Timing the market is greater than timing the market. Start small, build confidence. I think everybody is really feeling the same kinds of feelings. The last one I'm going to read, which I really did like, was somebody saying, start off small and treat it like a bill.

And it just becomes a part of your normal routine without you even realizing it. Yeah, that's such a good point. Build it as a habit. And then it's not hopefully something you have to overcome. It just is something you do. Yes, yes. Like a bill, I really like that because it's like, oh, I bet I've got to pay this thing. It's only five bucks a month, who cares?

Yeah. And so it's really bringing in something, even if it's just learning or if it's, you know, I think that, yeah, start small, see how you go. And as just said, there are a lot of investing episodes if you need that additional support. It's a perfect place to leave it. I think so. Thank you guys so much for joining us for another edition of Friday drinks. We hope that there were broke tips and date ideas in there that inspired you.

Let us know if you plan a date night in the comments on Spotify. I love reading the comments on Spotify. It's my favorite thing. Yeah, I get scared, though. Yeah, I've always always always like, oh, what if somebody doesn't like me? I know. It's a little bit nerve-wracking, but we do appreciate it when you say lovely things. Thank you so much.

Please make sure you subscribe if you haven't, so you never miss an episode. You can join the community on Facebook or Instagram. We're always kicking around in the DMs, in the posts, and there are hundreds of thousands of incredible people sharing their money tips every single day. Look after yourselves, everybody, and have a lovely weekend. Thank you, guys. Bye. Bye.

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