She's On The Money - Hear Me Out: I Struggle To Spend Money

Episode Date: June 25, 2026

Who among us has struggled with spending? Alright, how many of you answered ‘yes’ because you struggle to *spend* money, rather than spending it too freely? This week on Friday Drinks, Bec and Jess discuss a handful of money dilemmas from our community, including one about having a frugal money mindset that’s actively impacting your ability to spend. They also discuss whether it’s worthwhile to withdraw your investments to fund a business idea.  Join us for another playful episode featuring a silly Question of the Week, plus, Money Wins and Broke Tips, including how to extend the life of your continental cucumbers. (We've never needed a video episode more.) MONEY ON YOUR MIND: How much do you understand about your money mindset? Take this quiz to find out. STRUGGLE WITH SPENDING? Here’s a link to our budgeting page and playlists. Whether you’re overspending or looking to introduce responsible spending into your budget, perhaps allocating funds towards particular things might help shift your mindset. KNOW YOUR RISKS During this episode we discussed the pros and cons of withdrawing your investments to fund a business idea. Check out this blog on why we tend to steer away from short-term investments. 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 Bamblett, I'm a proud First Nations woman, and I'm here to acknowledge country. Tii, gilinyan ganya, nianakaka yao yinbina waka, nianakai nianbina yakarumja, duminyagumiga dumiga ithawaka nirawamundamun imalan. Mumu bangada boma ininyalan waka, gaunan yakarumja, wutunarana. 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 that makes personal finance fun, especially on a Friday. Bec and I are back with another edition of Friday Drinks where we get together to celebrate you, our incredible Shiz on the Money community. While Victoria is away, we'll be sharing all of your money wins and broke tips to help push your dollar further. Speaking of, this week's Money Dilemma is all about spending, specifically how to spend

responsibly when you've grown up frugal. And as always, we'll be answering a left of center question from our community and a DM that asks whether it's okay to withdraw your investments if you've got a killer business idea. If you've always wanted your money dilemma answered on the show, please head to our website and record your message on the podcast page. We love hearing from you and your dilemma might just help another listener who's going through it. Now, Bec, I – hello, how are you?

I'm good, how are you? I'm good. It's always fun when it's the two of us together. I know, so cute. I can just tell that you are raring to share a review with us. Oh, my goodness. I'll say one of our favorites because we have a couple favorites in this episode. The whole thing is our favorite.

The whole thing is our favourite. One of our favourite parts of the episode is the five-star review. And the rumours are true. It is time for a five-star review. And this one comes from Jenna who says, Just listened to the episode with Jess and Beck. Missed VD, of course. But just wanted to say, what a vibe.

Your genuine laughter is so contagious. Perfect drive to work, listen. Impossible not to smile. Thank you. Side note, I started investing in shares years since listening to your podcast. $50 a week on auto-invest. I'm up to $1,500 and have set the next five-year investing goals, which will require me to add more money above the $50 a week to hit my goals.

I'm also going to chat to our accountant soon about making extra super contributions. Thanks again for sharing your knowledge with us all. That's so nice. Thank you. That makes me feel really good because you're going to hear a little bit of us in the next few weeks. And I've been a little bit stressed because I know that everybody comes here for the financing and the VD knowledge and, you know.

Totally, they want to learn. Yeah, understandably so. And sometimes I just think, well, I don't know what I am offering you, but I'm glad you're enjoying it. And so I was just explaining to Jess off air that it will feel like, and let's all take it as though it's a school day and it's raining and you're inside watching a movie. And it's like maybe you're not learning anything today,

but we're just going to be cozy and have fun. Yeah, the substitute teacher is purely just here to fill some space and make sure nobody kills each other. Exactly. Exactly. So, take your seats, everybody behave, and we'll pop the movie on for you. Yeah, get crazy. Thank you so much, Jenna.

That's so sweet. Thank you for sharing. Keep those reviews coming through. It's our highlight of the week. You can share reviews of She's in the Money wherever you get your podcasts. Not only does it make us feel nice, but it helps other people find us too. I know you're spreading the good word, as I always like to say. Spreading the good word, exactly right.

And we really appreciate you. Now, are you ready for this week's question of the week? Yes, please. Yes, please. They've been really good lately. I feel like Victoria is missing out and Jess, excellent name, would like to know which fictional character would you recommend she's on the money to? Whoa, that's a good one.

I'm going to go like a Cinderella. Cinderella. Well, because I think she comes from nothing. She's got no money. And all of a sudden she's really rich because she's married a prince. True, true, true, true. It simply makes sense to me that you'd want a little bit of financial literacy. Don't rely on a man.

Yes. And this is like prime, not that it would be intentional, maybe, maybe not, prime financial abuse dependent situation. Because she's like never known money. Pre-significant women's rights. Exactly. Exactly. So I'm like, yeah, she needs it. I just want her to be looked after.

Oh, my God. Well, I was on the same train as you, but I'm like, I didn't want to like recommend to just women. I wanted to recommend it to Squidward because I feel like he is, he's... I don't think he's financially the threat, of course. I mean, he can't be carried that. But Mr. Krabs is, and then SpongeBob is silly, and then he's in the middle. I feel like he's got the bones for it.

Is Mr. Krabs taking advantage of Squidward? I don't think so. Have you seen SpongeBob? Not really. Really? No. That's crazy. I know, like, this is Patrick.

Oh, that's so you. That's so sweet. No, not necessarily. I just think that in terms of, like, brain sponginess, You could only really put it on that one character. I say, and you know what? Financial literacy is for everybody, even giant squids. Exactly.

If you have a question that you're dying to know the answer to, we've got some really great deep answers for you, my friends. You can send it through in the comments on Spotify or you can DM it to us. Whatever floats your boat, we don't mind. So should we move on to the money wins? Absolutely. I've got some goodies this week for you.

Amazing. First one I've got comes from Morgan, who said, I rang Medibank Private ready to have a bit of a whinge because there are always promos for new customers, but nothing ever pops up for those of us that are already existing. And they immediately have discounted my cover by 10% for the next 12 months. Wow. All I'm saying is sometimes it pays to have a whinge. Exactly. Well done, Morgan. Next, I've got a money win from Kimberly, who said, I took a phone call from a relative on my birthday after ordering my takeaway coffee.

The shop assistant overheard and told me I could pick something from the cabinet for free. She scored a free gourmet muffin and it made her day as a working mum who was on her way to work on a Sunday on her birthday. Oh, my God. Happy birthday, Kimberley. I hope you had a great day and good on you for hustling hard. And how nice of that girl at the cafe, too. That's so sweet. I love a little community moment.

Next, I've got one from Kayla who said, I've been getting so many kids' clothes on clearance, which I'm buying for next season for my girls just by purchasing the next size up. She said, I'm literally buying them for $2 to $5 per item. Genius. Crazy as well. And kids go through clothes so quickly. Yeah. Like they either ruin them at daycare, so I've heard, or they just grow out of them really fast. Yeah.

So buying up a couple of sizes, just having them tucked away, especially if it's two bucks. Totally. Very, very clever. Then I've got one from Cleo who said, I tore my ACL and hobbled to the medical center, which had after hours and just asked for some crutches. I didn't need to see anybody because I've done it before. So sorry to hear, Cleo. The ACL is never a fun one to do.

They said they'll give me the crutches to hire, which will be $60, but I have to see somebody first, which would be another $60 for the appointment. So I said no thank you and just hopped away. I asked a large-ish group chat if anybody happened to have a pair of crutches and I got given them straight away. Great. So I saved myself $120 and I got to keep them. I mean, consider me really something.

lucky maybe also ignorant maybe but I just didn't know you had to pay for crutches but also like yeah where do they come from but that's it's like if you break your arm you have to buy a sling you have to buy a sling so I broke my arm when I was a kid so it's been a very long time but they like oh true it's been a while touch wood touch wood whenever I do that my boyfriend always says this to me that's so cute smack it there no so I broke my arm and they I think they temporary slinged it with just a big bandage but then the like one that you can wear constantly and wash and stuff yeah you have to buy and i'm pretty sure they weren't cheap either jeez my reference of physio is constantly bringing home like compression things and like different wraps and it's stuff that

people have to buy and it can get pretty pricey from what i've seen jeez then i've got two money wins both from jessica's there's a lot of jessica's coming around so jessica jessica that's what her name is on facebook said my client cancelled their shift just as i was turning into their streets which you'd think would be a money loss, but I still get paid for it. So I'm counting it as a money win. Hell yeah. And then the other Jessica said, I visited the Hague's Chocolate Factory when I was on a weekend trip to Adelaide.

They had a second section, which was a lot cheaper, but tasted just as good. Such good value, basically, because the chocolate wasn't poured symmetrically. Oh, Hague's is beautiful too. Yeah, totally. It's like the odd bunch of Hague's is what I'm getting at. Yes, yeah, 100%. Like ones that are a little bit wonky or don't meet the standard. That's so fine.

We'll take it. Absolutely. And then lastly this week, I've got a money in from Kayla who said, I have been looking at Ikea wardrobes as a project at home. I found exactly what I wanted with additional add-ons from a seller on Facebook Marketplace. $550 out of pocket with the total value being over $2,500. Massive savings and even more storage than I had planned and budgeted for. Gorgeous. I hadn't thought to look on Facebook Marketplace for wardrobe stuff. And as someone who is getting ready to do that for the new build when it's done, I will be trawling. Oh, absolutely. You can find some good stuff on there.

I know. I'm so excited to go hunting. Oh my God. Can I keep my, you know, like sometimes it notifies you if something comes up. Can I put wardrobe, whatever else you're looking for in there? I'll do a list, babe. Yes, please. It's always fun. I love to window shop. Oh my gosh. Well, the community is absolutely killing it, but you know this already because you've been reading their broke tips. Yes, ma'am.

What good ones have you got? Okay, so this first one, I just thought I'd start off nice and light, but just I think it's interesting. You know when you get those Lebanese cucumbers and they come in like the plastic? Yes. Why are they in plastic? I don't know, to be honest, but I just know that, I don't know how you do it, but I like slice it off and I take the whole thing off and then I just like do whatever. Yeah. But I saw this thing on TikTok.

This TikTok was sent to me by Yana. Thank you so much, Yana. And so you get that long plastic sleeve and you don't fully cut it off. You just, like, fold it. You kind of twist the top and then on the side. It's really hard to explain. But I'm getting some beautiful hand gestures while you do. Oh, my God, I just realized.

So that is a thick cucumber. I'm so sorry. You're so fine. I understand I'm a hand dogger too, which is very funny. Well, it's not something I'm used to, but you twist the plastic wrapping. I'm saying anti-clockwise until almost like, you know, when you're like watching a movie, it's like robotic doors, like kind of close all the way into a circle.

It's like that is happening at the top of the cucumber. I know this doesn't make any sense. Maybe we'll link the TikTok in the description box. Or we'll cut this video into socials and put it maybe on one of ours because I don't think that's making it to the feed. So fair. If we could maybe dub something over the top because the hand gestures don't really go with this cucumber analogy.

We can put it on TikTok and maybe somebody can, like, put their own captions on. Put their own captions, put music over the top, and then just, like, whatever you think is happening. That's so funny. So all that to say you can keep it fresh and maybe save that plastic. And I know you've got to throw it out eventually, but it just feels like such a dreadful waste. Yes, agreed.

What's next? The next one comes from Nadine. They saw this on Reddit, it looks like. And it says, I just ordered the same thing as I do every morning for Maccas, a toastie and a small tea. Some mornings it's $7.70, others it's $8.80. I asked why they are different some mornings. And the lady said, it's how I ordered. This morning I ordered the toastie first and the tea.

Yesterday, the tea then the toastie. That's how they get you and charge extra. She said the toasty can be an add-on making it cheaper. What a trick to charge extra. So surely it doesn't matter what order they're put in. No, I think it does. And when I read it, I was like, true, because sometimes I guess if you're like ordering it anyway and there's no obligation to say, oh, hey, did you know if you got a combo, a coffee and a toasty, then it's like cheaper. yeah if you and it's happened before i've been like can i have this and then also i'll grab

fries and then also i'll grab a can it's like and then after i order i realize that's literally a meal yeah that's cheaper and so like if you order it in a certain way and they have no obligation to say hey this is actually this thing it's a little bundle then you'd be charged more i assume so so annoying clever maybe when you go up you just need to say hi can i get a tea and toasty combo yeah and then it doesn't matter what you say first because you're like clearly saying totally you know totally you should try that with everything I feel like maybe there was a combo somewhere and they're like whoa how'd you know that's a great one thank you so much my one is really dumb and I'm scared that everyone's gonna hate me for it but um this is my because I'm new

to the lash game the beauty game you know it's just I'm just trying to like take care of my skin these days and so I just my friend went and got a lash perm and I was like well I don't really have like I don't know however much it is maybe like eight dollars or something and so I was like well instead I went and bought a lash curler and now I curl my lashes every single day twice a day which is maybe really bad and that is it's almost as effective if not like the same as a lash perm and way cheaper did you guys know that that's a way cheaper you're actually looking good you can also get kits to do them yourself at home to do your own lash perm true you can and then also i haven't tried that serum where you get like longer lashes i don't know if that's real or not yeah

seems like magic but if anyone knows of any good ones let me know because i'm really i'm going through a skin face beauty change transformation thank you so much i've got some things i can give you great thank you amazing so that's me for this week oh so good isn't it thank you for sharing okay so let's take a quick break and when we come back we'll be hearing about a money dilemma that's all about spending money. Welcome back, everybody. 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 ladies, I'm just ringing with my money dilemma. I've been married to my husband for 10 years and we are in a pretty comfortable money situation. We agree on almost everything and the one thing that we don't necessarily agree on is when to spend our money because I don't feel comfortable spending our money. I grew up in a household where money was really tight. We didn't have money for luxuries and it was always the basics. So now as an adult, when I do have money, I'm having a really hard time letting it go. I feel like a hoarder of the

money, which is not always a bad thing, but I really want to understand how to let go of this childhood trauma and understand that spending your money is okay do you have any tips around this thanks that's very fair it's so interesting a lot of people when they grow up without money and there's like a bit of a scarcity kind of mindset the difference that creates like in adulthood is either for me that created like I can't hold money and then for other people it's like I can't spend money and boy do I wish it was the other way not to say that it's easier or anything like that of course but I imagine that would be really really tricky so I think obviously therapy is good all the time no matter what I really hate when people suggest therapy to me

when I come to them with like advice because it feels like they're saying you're too much and you're crazy and you definitely need therapy like you and that's not at all what I mean And that's, so I just don't want that to ever feel like that's what I'm saying. I just mean in general, like it's really good to, but ironically, it's like you got to spend money to do that. And it's like, you don't really want to, that might be a tricky thing as well. I mean, it should be free, but that's a story for another time. Therapy or I think just like, honestly, listening to, we have some episodes about mindsets and

I know it's more than a mindset. It's deeper than a mindset. It's like, I don't want to minimize it, but I think that it would be helpful if you, in the meantime, or if you're not in therapy right now, or you can't afford therapy right now, then listen to some of those episodes about mindset. And I find Reddit really helpful. I know this is probably is not very helpful, but I find Reddit really helpful when it's like, I will type in the most niche specific thing and then put Reddit at the end. And there'll be people who have been through the exact same thing, have the exact same experience, and they will talk

about how they kind of got out of it. And I think, yeah, just like following other people's journeys, googling it going on reddit and seeing how people kind of maybe were in the same situation and manage that a little bit so i think it's really helpful but yeah as someone who unfortunately grew up on the other end of the spending spectrum i don't think i can offer too much useful advice in terms of how to spend because for me it comes far too easy like i would like to go the other way i'd like to i think that's a really good chat we have a full episode on managing spending guilt. It is a few years old now, but I think it's a really good episode, especially because a lot of people deal with this. I think exactly as you said,

our childhood experiences play such a pivotal role in our money stories and really inform how we feel about a lot of those things as adults. So you're definitely not alone in the experience that you're having, whether people are on either end of the spectrum. It is more common, I think, than you would believe. So we'll link that in the show notes along with any other episodes we think might be helpful for you. I also think depending on how you're managing your money currently, does your budget have money allocated to specific spending? So for me personally, as you guys know, I love to break my money down into lots and lots of savers. I have like 13 savings accounts. And within those, I have very specific allocations for spending on specific

categories based on what feels comfortable to me. And that is because I would look at my spending month on month and I identified patterns and I kind of thought to myself that I'm more than happy to spend on these things, but I want to set limits. And so for me personally, I have a specific allocated budget for clothing. I have a specific allocated budget for beauty because those are things that are important to me, but I still wanted to fit them in with my overall budgeting system. Is there something like that in place for you? Because I think that that would maybe free up for me personally, it frees up that guilt because I go, oh, I know that there's room in the budget, that there's plan in the budget for me to be spending this money on this specific thing,

whether it's eating out, whether it's a holiday, whether it's buying a new expensive item or device that you've been really wanting. If the money is always labeled for that, does that change how you feel about it? Because for me, my savers are named what they are. So there's one for clothing, there's one right now I'm saving for an air threader, which is like a fancy overlocker. And so when I make side hustle money, that goes into that saver. And I know that that's what that money is for because that's how it's labeled. That's how I see it. That's how I visualize it. Maybe psychologically that would make you feel a bit better about it because that money is always identified as being for that specific thing. Whereas if you just

have a big savings account and then you go, oh, well, I want to take a thousand dollars out to buy this new air threader. Seeing that money go down can be disappointing or can feel like you're not meeting your goal even if your goal was to save for that thing yeah so I would look at if you haven't already maybe like specifying or carving out some room in your existing budget for those things you're wanting to spend on otherwise I totally agree therapy is a great place to work through some stuff especially you know if there's some things that you need to work through or you know chat about there's no shame in it I think it's really positive and even if you're not going through something tough I think it's really nice to speak to somebody yeah just

like be curious about your the way like your childhood shaped you and see if there's anything that you could learn yeah I think it's really really important for all if you can afford it a hundred percent every week we tell you guys to slide into our dms and you never disappoint this week I've got one that comes from somebody who is quite good at investing and might have a life-changing business idea on their hands they said over the past three years I've invested $1,000 per month, so just over $35,000, into ETFs. I work full-time in tech sales but have dreamed of starting my own business. I have an idea that I'm confident that I can make work, but guess what? It's going to cost me $35,000 to get it off the ground.

I have a separate emergency fund, so I'm not in financial trouble, but I'm not sure if I should withdraw my investments to back myself. I promised myself I would never touch my shares, so I am in quite the dilemma thanks guys I mean I think that it might be worth it but I'm also it's a tricky one if it was like savings I'd be like hell yeah but it's like the the shares part of it all and I understand that's the dilemma here but I really want to know what this business is I know I'm so curious but don't tell anybody because I could steal the idea don't tell anyone I think like if you're sure I mean it's like hard to know. How sure could you be? And is it exactly $35,000? Is that all you need to spend? Or is it

like, I'm just so curious about this whole thing. But I think that genuinely, if you only need to spend $35,000 and you won't see that you're taking out all of your shares and then going into debt as well, then I think maybe it's worth it. Could you get a business loan? I don't know. Are they like financially better i don't know oh i guess what you could do is figure out how much interest you're gaining on that 35 000 and then figure out how much interest you'd be paying on a business loan when you say how much interest you're gaining you mean what your potential potential growth in your shares exactly or dividend payments would be exactly potentially let's say it's like on average 90 per annum and then you're only paying like three percent i don't know if that's a thing

per annum on a business loan, I'm like, well, it seems to me like maybe that's a better idea. Maybe. I mean, I'm not a financial anything. So does that sound right? I think that pulling money out of your shares is not the worst idea. People sometimes have invested for the long term and then pulled some of their growth out for house deposits or for big purchases. What you're kind of referring to is basically weighing up the opportunity costs. So what would the potential growth in your shares be over time versus not only what you would lose to a loan, but what is the potential growth of this business? And it's obviously really hard to project success in a business, I think, especially

in this economy as well. I don't want to be a negative Nancy, but it is tough out there for businesses, especially small businesses. So if you haven't already, I would definitely be making sure you're doing some really solid market research around the product or the service or whatever it is that you're planning to offer, have you checked that there is an appetite for it? Have you checked if there are competitors? Have you checked to see what the cost for your raw materials or overheads would be? Have you factored all of those things in? Because yes, it might take $35,000 to get it off the

ground. But generally speaking, there are also long-term operational costs with running a business, especially it sounds like if you're needing to invest some capital, I'm assuming you've probably got some product or maybe you need to invest in some equipment or something of that nature. So it's not just a matter of paying your upfront costs, but also making sure that, well, if this business is not profitable, which there's a very good chance that it won't be because a lot of small businesses start off in the red, are you going to be able to sustain that? Or are you going to find yourself in a pickle 12, 24, 36 months down the track? Great point.

Thank you. I think that, I mean, in an ideal world, you'd always leave your money in shares that you can always take advantage of the growth. But at the same time, depending on what your business is, there's also the opportunity for growth there. And you could look at it as a different kind of investment. I just think you would want to be really confident about what you hope to happen. I think it's really fun to have a dream and to go, well, I think this business would be awesome. But just do everything that you can to make sure that you'll be in a good position because you just never know. And as we all know, I'm very risk adverse and just with everything happening in the world, there's a very good chance that, you know, the cost of freight is

going to continue to rise. The cost of materials are going to continue to rise. So really run your numbers and look at those operational costs and make sure that you can sustain whatever it is you need to sustain for long enough to give it a red hot go. Because if you're going to give it a go, I want you to really be able to do the best you possibly can at it. Great point. I think definitely do it either way. But I think that's a great idea. Definitely make sure you can afford it. What did everybody else say? All right. We got lots of responses, bit of a mixed bag on this one. So the first question we asked was, would you cash out your investments to back yourself and your business idea? Very close. 54% of people said yes. 46%

of people said no. Then we said, if you were in this position, what would your non-negotiables be before taking the leap. 59% of you said you would want at least six to 12 months of an emergency fund, which I think is a great idea. 27% of you said you would want the ability to rebuild your investments, which is also a great shout. 11% of you said you would want to have full confidence in the idea. And 3% of you said nothing, I'd just go for it. Yeah, okay. Giving big, big energy with that one. Hell yeah.

Then we said, would you rather regret trying the business or regret never giving it a shot? 69% of you said you would regret never giving it a go. Well, 31% of you said you would regret trying and failing. And then as always, of course, we said, what is your two cents? And it seems like the moral dilemma really struck a nerve with a lot of people. One person said, give it a shot, girl. If it works, 35 grand will be recovered in no time. If not, at least you tried. Another person said, is the business plan time sensitive? If it can wait, I would save up. If it's urgent, you should back yourself. That's a good point. Yeah, something I hadn't considered personally. Someone else, this is a three-parter, said, as long as you don't do something stupid like I did

and try one of the businesses in a box more than $10,000 down the drain as they were just a scammer, they went into liquidation and are living the high life between Bali and Dubai. I do regret that. My God. So again, just making sure you've really done your research with whatever you're doing. Have you maybe gotten some samples of things if it's a product to make sure it's viable? that sort of stuff. Somebody said the business could far out earn an investment in shares and provide a different kind of life. While somebody else on the flip side said investments are for future you to enjoy. Girls, lunches and trips to France. Think of her. Hell yeah. People are kind of sitting either side of the fence on this one. Someone was in agreement with you. They said

business loan rather than shares. They should be no touchy touchy. Somebody else said, and this is a great call and I can't believe I didn't think of this. Look at business grants first because there are a lot of grants out there that are aimed specifically at helping small Aussie businesses get off the ground. Yes, true. See if you can do that or can you raise capital in another way? Would you want to look at getting investors or something like that? It's not saying it's the right option, but it is an option. Somebody said find a way to test it first for cheaper and then someone else has said go for it. You can always earn the money back. and I'm going to finish it on this one because I think it is just really nice.

What's money for in life if not to chase the things we dream about for us or for our children? Hell yeah, I agree with that. Which I think is a really beautiful sentiment and I think it's true. I think you don't want to live your life with regrets but I just also as a really anxious person want you to do everything you can to give yourself the best chance of success. That's really beautiful and I guess This is very helpful for our Money Dilemma listener because, yeah, I think to what end? Just enjoy as much as is responsible.

I'm going to put that on a T-shirt. Perfect. Amazing. Well, thank you so much for joining us, friends. That's all we've got time for. If you want to participate in our weekly dilemmas, definitely join the Facebook group, follow us on Instagram. That's where we do all of our research.

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