She's On The Money - Victoria & Brooke Reveal the Really Simple Framework Behind Their Investment Portfolios

Starting point is 00:00:00 My name is Natasha Bamblett, I'm a proud First Nations woman, and I'm here to acknowledge country. Tii, gulinyan 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

Starting point is 00:00:42 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's here to show you that investing isn't just for the rich, it is for you too. If you're ready to start investing, but you're thinking, where do I even begin? This one is for you. Or maybe you've already bought an ETF, or maybe you already own a few direct shares and you now have like a portfolio that feels a little bit random. You're not sure if it's diversified. It just feels a little bit chaotic. You're not totally clear on what you're building and you're just excited to be starting to invest. And honestly, girl, you are not alone. We have all been there. So today we are giving your investing

Starting point is 00:01:41 strategy a glow up. We are breaking down one of the easiest ways to build a portfolio that actually works. I'm Victoria Devine and I am a retired financial advisor who is wildly passionate about getting more women just like you to start building wealth through investing. And with me today is someone who has quickly become a favorite in our podcast episodes, especially our investing episodes. I'm also a favorite in the office. Oh, you're a favorite in the office. That's nice. I'm the personality hire. You are smart. You are strategic. Are you flirting with me? I am trying really hard to, yes, please don't tell my husband. And you have built an investing portfolio that could have you retiring by the time you are 35. Miss Brooke Green, welcome back to the show.

Starting point is 00:02:25 Thank you for the role of the, ah, I feel like I miss Jessica Ricci. Jessica Ricci. It's Ricci. Everybody says that, but like every time you slide into my DMs and tell me that I'm saying Jess's name wrong, cheers for the engagement. Like, thank you. I appreciate it. As an Italian. Do you think that I am doing that accidentally? No.

Starting point is 00:02:42 It's not an accident. She's an engagement farmer. I have to say our community loves hearing about your investing journey. I think the idea of hearing from someone who is a salaried employee who is working towards this. I'm working nine to five. Yeah, but it's also just really empowering because it's one thing to hear from me and then people go, but like that's kind of not

Starting point is 00:03:01 as relatable, you're a business owner and like you have so many different elements and things going on. I think having somebody who's walking the walk that really is relatable to our community is just making sense. And we've had so many messages from people and you've been in the messages as well, because you just like reading about yourself. From people saying how inspired they are by what you've built, especially knowing that you didn't start out with a finance degree or a massive inheritance. You were just like really consistent and really clear about your vision. Yes. But today we're not going to be talking about like

Starting point is 00:03:34 the outcome or the results or performance, we are actually getting into something a little bit more gritty and we're going to talk about strategy behind it. Yep. And we're going to talk about a specific strategy that I believe both you and I employ. Yes. Are you excited for this? I am. Now, Brooke, I would say having poured over your investment portfolio, because I am nothing if not pervy, I feel like it's like it's ingrained in us to be nosy. Yeah. And like, that's cool. That's market research. Yeah. Sorry. So if you guys want to send in what your portfolios are, we'd love to look at them. Yeah, absolutely. Unfortunately, I can't provide you any advice. Thank you for showing me. Yeah. Thank you. It's like gossip. Yeah. And the best type of gossip is about other

Starting point is 00:04:17 people that I have nothing to do with. Yes. But your portfolio is relatively impressive. Thank you. Was that always the case? No. Oh, okay. No, no, no. This is boring. I'm the average retail investor. Like my portfolio was really boring and probably stupid. If a financial advisor looked at it the day that I started investing, I'd be like, bro, what are you doing? But that's okay. She's a chaos investor. Yeah. We do the best with the information that we have at the time. And then as we get more educated, we make better decisions that align with our financial goals. And we have to make some cleanup. Yeah. And that's okay. We can't be perfect. No. And I think so many people are so scared to start investing because they're so worried that they'll make the wrong decision.

Starting point is 00:04:57 they're like what if I have to sell it you'll never be perfect there's no right time to start clean up on aisle 13 it's all good just try you know what you can sell something and you can get into something else but like at least you're buying what you used to have if you sell something you make a mistake you can try again I've done that yeah it's fine I have had I've had shut up I'm not getting rid of paradigm um I have had uh sell down regret before and it happens to the best of us rude not to I'm getting back into that when did it actually click for you that maybe chaos investing was not for you and you needed an actual plan? Was it like you bought a couple of things and you were just hoping for the best and then you were like, hold up. Yeah. I think realizing

Starting point is 00:05:34 that, okay, well, if I'm investing in direct shares and I don't have a lots, lots of direct shares, my risk is heavily weighted in one or two things and one or two industries. They probably mirror each other. So my risk is so, so, so high and confronting. It's really confronting. And especially as like a, cause you think you're doing a really good job and then all of a sudden you're And it's like, because I'm a salaried employee, it's like, I don't have the money to splash around. If I make the mistake, that's on me. Like I'm up shit creek without a paddle. So I needed to make a decision that was less risky, but still going to provide me with growth options. So that's when we started employing the core versus satellite approach. Yeah. I was going to tell them about

Starting point is 00:06:11 that approach, but I guess, was there a moment in time where you were like, oh, I probably should change this or were you just like I'm gonna slowly work towards this like 2020 COVID times that was like my real like okay this is I've got nothing else to do except for TikTok and invest and that worked out really well for you and it worked out for me go follow me on TikTok at um that's I'm gonna make that my own clip for myself um so I kind of started reading lots of investing things then I joined a million and one subreddit says you probably already know listen to podcasts i listen to shoes on the money which is so funny full circle and then i kind of realized okay i only indoctrinate people into my employee list if you're like in the cult already

Starting point is 00:06:55 i would like it to be known that you followed me first i did she was scomo girl i know you want to talk about that no i didn't okay well let's move on and talk about a core satellite approach so 2020 i chose that we need to switch this up and we need to go let's pick some core etfs So I tried to pick two or three that aligned to my goals. And then I did that for a while. And then I introduced the satellite approach. Yes. So I think that that's where thankfully I have kind of always been placed because I worked as a financial advisor and thankfully had the education and, you know, a lot of people are so worried that they'll make mistakes, but the reality is like, just like Brooke, you can make mistakes and you can fix it. Yeah. And it's also like,

Starting point is 00:07:34 not the biggest mistake because you had exposure to the market as well. It's just a small amount of money. Like, obviously, if you're a retail investor, you're not investing $150,000. I was investing like two or three grand and that was over a couple of years. So like, you might think, oh, that's a lot of money, but it's like $10 a week.

Starting point is 00:07:48 Yeah. So at that point, okay, well, okay, great. I've only invested two or three grand. Maybe I've lost $700. Who cares? I'd rather make the decision, sell that off, enjoy the losses for my tax return, and then begin again with an approach

Starting point is 00:08:01 that makes a bit more sense for my financial future. 100%. Let's go back to, because I'm trying to make this like a little bit of a snappy episode. because like we can we can yeah we can yeah so we should so we're trying to get through this both of us have mentioned that we have a core satellite approach yeah and if you're thinking what the heck what the hell what is going on here what is that don't worry because we are going to

Starting point is 00:08:23 break that down for you so i would say it's probably one of the most popular strategies employed by financial advisors in australia like when i talk to other financial advisors we all kind of fall back onto the core satellite approach and it sounds a lot more fancy than it is but like when we talk about core satellite um it's literally core like think about the moon and that's where majority of your investments are going to sit and then there's literally a satellite and it's really small and it floats around but it's really yeah it's the international space station we don't know what the hell's going on there that's why we don't we're trying yeah we don't invest heaps but it like sits a little bit separate and that's where we can play.

Starting point is 00:09:04 That's our fun money. There's nothing on the moon. It's kind of boring and it should be boring because that's what a good investment strategy is. But all the fun stuff's happening at the space station. She's spinning around and around. And there's so much fun stuff going on there, but we also don't want to put all of our money there because-

Starting point is 00:09:18 It's risky. We don't know what's happening over there. Exactly. So it's floating in space. Why did you choose a core satellite approach? I think I chose a core, originally I started with just the core and then as it became a bit more knowledgeable

Starting point is 00:09:28 and added things to my watch list and changed what I was investing in. I was like, well, I really want to try investing in thematic ETFs and some direct shares, but I don't want to change my actual investments. Like I really love what I've got going on here, but I still want to dabble in that. So then I started introducing,

Starting point is 00:09:45 every time I get paid dividends, I'd put that dividend money into a different brokerage account so that I could then go, okay, well, I will do my little satellite options over here. And then I'm hearing in the news, all these fun companies, adding those to my watch list.

Starting point is 00:09:56 And when I was ready to buy, I'd chuck some money in, but it was not a big amount. it's under five to 10% of my portfolio. Like it is not a lot of money, but it's money that I'm willing to lose because I do consider it a little bit more high risk than my core. Yeah. And so honestly, the core satellite approach, I would say is relatively ideal if you're a long-term buy and hold kind of investor. Like you want something that is low maintenance, but still gives you a bit of flexibility. So your core or the moon is where your steady,

Starting point is 00:10:27 reliable growth without consistently checking in on the market happens. And then your satellites, that's where we have the fun, right? You invest in maybe something specific or you back a theme that you care about, like your thematic ETFs, or you lean into a little bit more risk paradigm without it letting... And that is not paying off. And that's okay. No, but that's the point. But it's not hijacking my whole portfolio. No, because it's in your satellite. And it's not changing my retirement goals. So your portfolio is basically like, and I'm trying to give you so many examples, so it just makes sense like not just for you but like for everybody and it's like kind of like a

Starting point is 00:11:01 capsule wardrobe so like your core is your staple pieces they're like your jeans they're the really nice blazer that's well cut it's a few really nice white like white t-shirts like they're not flashy but they're the reason that your outfit works consistently and then you're starting it with those little trendy pieces all these core things they literally go with everything they hold it all together and they make getting ready in the morning really easy right and then your satellite that's kind of like your accessory that's like the fun trendy cardigan it is the lioness stripy top it's far out don't even get me started on that piece of content um the fun bag the statement earrings like you know a lipstick that you wear it's not going to be in season forever but exactly

Starting point is 00:11:44 it might work for you now they add personality they add interest but only because your basics are doing their job because otherwise, can you imagine if you were just trendy every single season, you would lose so much money. You would not only lose so much money, but like you're sick of that stuff. Like it's just not fun. So the goal here, we're not ditching the fun stuff. Like we still want to have our little satellite investments, but the primary purpose would be to build a strong foundation first and then layer the extras with some intention. Yes. Brooke, what in your opinion makes a good core portfolio? I think a portfolio

Starting point is 00:12:20 that you don't have to worry about. You should not have to wake up every day and think, oh my God, the market's down. But then I like, I feel really confident with my core portfolio. Like if someone said to me tomorrow, what should I invest in?

Starting point is 00:12:31 Not that I would ever give anyone personal advice, but I would be like, oh, Vanguard High Growth. Is that what you're saying? This is what I invest in. And I've invested in that since I first started investing.

Starting point is 00:12:39 I feel so confident in the mission. I feel so confident in what they invest in and what's in that portfolio that I don't have to worry. Whereas my satellite options, some of them I'm worried about. Some of them I think, oh, I probably should sell that soon because I'm losing money. But that's the whole point. The core is your reliable friend. It's meant to be a little bit fun and it's not meant to impact the ultimate goal.

Starting point is 00:12:57 No, it's like really not going to change it. That's not going to make me a millionaire tomorrow, no. But I can have a little bit of fun. I could dabble and I get to experience the highs and the lows of the share market. I've got a few notes that I've written down. So like for my core, I want it to be broadly diversified. So we're not just going into one topic. All that eggs are not in one basket. I want the fees to be relatively low. So like for me, that leans more into an ETF or like index funds. So like low management costs that then don't eat up all your returns. I want them to be simple and consistent. So like something that I can just regularly invest into, not think about too much. Like I'm not stressed about it. No overthinking,

Starting point is 00:13:35 don't need to consistently rebalance. Obviously it needs to be aligned to my long-term goals and my risk tolerance so like you know we joked just before about vanguard high growth and which we both own and that is good for us but like it might not be good for others if you're not a high growth girly god why would you even consider that stressful for people because high growth fluctuates as well even though it's still lower lower risk than a satellite option it still fluctuates whereas those people might prefer something that is less risk less reward yeah and then for me at this point in my career at this point in my life i have realized that a set and forget strategy is just better for me. And it's better for most people because we don't want to over-evaluate. We don't

Starting point is 00:14:15 want to have to, you know, be uncomfortable and think that we have to be in it every single day. Like, I'm sorry, I'm not a financial advisor anymore. I do not have 45 hours a week to look at investments consistently. Someone else can do that for me. So I think I just love knowing that it's doing its job over time consistently and I can rely on it. Now we've covered the core and we're not done yet because the fun part is coming up. Like I'm going to talk about the satellites the space station is coming and that's coming up next. So after the break, we're going to get into satellite investments, how to use them, how to personalize your portfolio without accidentally blowing up your entire strategy. And we'll talk about, I guess, what to include, what mistakes

Starting point is 00:14:53 to avoid and how to decide if something really like deserves a spot on the satellite, like space station. Cause like we've talked before, Brooke, we have watch lists. Like we creep on things all the time. Doesn't mean it makes it to the space station. Things never make it off the watch list. Absolutely. So guys don't go anywhere. All right. We are back and it's time to talk about the space station. It is time to talk about. She's on the space station. She's on the satellite. So we're going to talk about satellites because that is where your portfolio gets to be a little bit interesting. You know what? Some people just have the core and they're fine with that. And that's so fine. You like, you just go,

Starting point is 00:15:33 I don't, I don't care, Victoria. And you don't have to. Like the thing is, I think for us, we have a satellite because we find the topic really interesting. It's really fun for me. This is like a little hobby that I have. Yeah. And I guess we mentioned earlier, like our core portfolio is what we're relying on. That is what we care about. The satellite, if they never perform, they never turn over. Great. What have I lost this year? $500. I've lost $500, but the rest of my portfolio is doing what it intends to do. Exactly. And I think it's like, how many times have you looked back at old photos and been like, what the hell am I wearing? Why did I do my eyebrows like that. Don't even, like at this point, I am committed to the eyebrows, so we

Starting point is 00:16:10 won't go there. But like you look back on things and go, why did I pick that? And that's why I don't want satellite to be your entire strategy. Now, satellite, obviously, and I've, I'm just going to hound this again. It makes up a much smaller part of your portfolio. So like think five to some people have 30%. I don't know about you, mine. Or if I like group in my satellite stuff I would say that it's maximum 10% but like even of that there's some pretty conservative like satellites and I just like group in my individual oh no I group in my individual shares into that so like everything else is an ETF yeah but it depends on how much risk you want to take on and they are I guess best used to complement your core not yes we're not competing

Starting point is 00:16:53 with our core and that's why we also want to make sure like we fully understand what's in our ETFs because you feel like super passionate about Apple and you're like, I want that as part of my satellite strategy. She's going to the space station. Girl, what if you already own two ETFs? Like that just feels like a bit redundant. Like, yes, you like following it, but like.

Starting point is 00:17:12 It's in your moat. Yeah, sorry, it's in the moat. So what actually counts as a satellite? It could be what you were talking about before, Brooke. So like a thematic ETF, like one that focuses on clean energy or tech innovation, or like you are talking about crypto infrastructure. it could be a few individual shares in companies you genuinely believe in. It honestly could be

Starting point is 00:17:34 crypto. So I think a lot of people are like, Victoria, do you like crypto? And I'm kind of like, well, it's not really my journey, but if you want to own it, I would be having it as a satellite. It like fits in there as opposed to your core. And basically it's the stuff that like reflects your goals and your values and something that you just like want a little bit of exposure to. Like it's where the tea lives. So what kind of things are in your satellite right now? At the moment, a lot of my satellite is in America. I can give you some examples and some of them are random and I've lost money on them. That's why they're in my satellite, but they are just things I'm interested in. I like to pretty much just invest in companies that I

Starting point is 00:18:11 care about. So some things that are in my satellite include Beyond, which I'm pretty sure is like the Beyond Beef, like the vegan foods. That's down like 97%. Okay. So not an invest in God. A company called GRBY. I can't even remember why I invested in that, but I did. Because it sounds like gravy. It sounds like gravy and it's up 130%. So you're investing in fake meat and then gravy. Yep. I've got Novo Nordisk. I've got Reddit, which is up really well. Like I love Reddit. You know me, I talk about it all the time, but I really believe in that. So it's in my satellite.

Starting point is 00:18:42 I've got Tesla, which I don't necessarily believe in it at the moment. I'm more a BYD girl, but I still have it. So I'm not going to sell it just yet because it's lost some money. So I'm going to wait a little bit. I've got Apple, like really just, but that's the fun stuff. It's the fun stuff. And then, yeah, I add things in all the time. Like we did a watch list episode, but some of the things on the watch list, maybe they'll be coming off, you know, maybe they'll be part of my satellite, but these are like risky things that I'm almost, it's not a bet, but I'm putting it like, I'm putting my money there going, Hmm, what's going on. I think this might pay off and I care about it. So I'm going to try. Yeah. I feel like one of the best things

Starting point is 00:19:15 about this core satellite strategy is that it actually makes investing feel relatively simple. like it kind of takes the pressure off. Like, girl, you can still have fun, but let's just like build our little financial house first, make sure she's safe at home. And then we can go out to play because we still have a home to come back to. And you're not making hundreds of decisions every year about every time you want to invest in what that looks like. And is that worth rebalancing right now? Oh my God, it's gotten ahead of me. I don't know what that looks like. Like you've got a lot more structure, but even with a really solid strategy, there are a few things that I want you to be mindful of. And like, Brooke's here to talk about the fun stuff and I'm here to be like,

Starting point is 00:19:53 oh, let's get our shit together. Also, I feel like I have to put my like responsible ex-financial advisor hat on and be like, there's like some things that you should consider are really important. And when you're following a core satellite strategy, I want to know from your perspective before I dive in, what do you think more people need to be more mindful of? Like, what are things that you don't want to be doing? I think you shouldn't put all of your eggs in basket. So for like your satellite, you should be diversified. So I have 10 companies in the US that I've invested in on my satellite side, and I've got five thematic ETFs. So I still have incredible diversification when it comes to my satellite and probably 50% of them are not going

Starting point is 00:20:32 to pay off, but 50% of them might. So my overall growth might be like 10% and still that's not performing better than my core. So understanding that there's so much risk. Turns out you can't pick the market. No. And we should just be happy with that average. So I think learning that the satellite is probably not going to pay off in the longterm for me. And I should make sure that all of my focus really, but it reiterates the importance of the call. Yeah. It's like, we should be happy with that market average. The average of the market is returning is really good. And we should be like, okay, let's play. Let's keep our money there. And yeah, we can have fun on the side, but don't rely on that as your future wealth. Like you are not going to get rich

Starting point is 00:21:08 overnight and if it does happen to you you should be grateful that happened to you but that should not be what you're gaining on like yeah and on the flip side talking about the core I think that a lot of people own too many ETFs yep and there's overlap yeah and they get excited about it maybe you heard Brooke mention one maybe you heard me mention one then you go add it to what your portfolio is because you just don't want to miss out and they're holding the same thing yeah so we need to make sure that there's not too much overlap because a lot of people do end up with a lot of overlap, which means you're holding multiple ETFs that basically own the same staff and you're paying double the management fee. So it's like, can you find an ETF one or two or three that hold

Starting point is 00:21:43 different things that can diversify you even more? And you're not paying as many fees. Like if you're owning 10 ETFs that invest in the same thing, that's great. But then you're paying 1% fee on all of them means you're paying 10% fees annually. So really what are we doing here? You're losing money. So just niching down your portfolio to what works for you and what is still keeping you diversified and in the right risk profile. And I feel like in 2025, lots of people have lots of commitment issues. Like I'm just saying that as an ongoing theme in the dating world, but mostly in the investment world. And I think that too many people are consistently tweaking their investment strategy because something new pops up or something shiny is there and they don't

Starting point is 00:22:20 want to miss out. Don't be the magpie, just be, have your plan and stick to it. If you did the investing masterclass, you know, we believe in sticking to that long-term plan. Exactly. And you'll hear a lot of, and this takes time. So this is not something that immediately I think that you'll get, like, you know, I think you have at least 12 different investments. And so do I at this point, just across a whole heap of things. And you won't start there. You'll start with like one ETF, or maybe even you go, look, I'm just going to start with two ETFs. I'm going to start with a Australian and an international. And like, that's a, that's where we all start, right? Like you can't just dive into having. You will not be an expert on day one. Yeah. But what I want you

Starting point is 00:22:56 to know is that you know exactly about that infant like investment like you could tell me exactly why that's in your portfolio why that was your first confident you're confident that might change you might go oh in two years I actually ditched that and something happens but like we've got conviction in our strategy toes down yeah and so I think that not actually knowing what is in your investment or why you actually hold it or I just picked it because it seemed good like yeah you're not actually helping yourself long term and the other thing is going back to being a magpie so like just you know i feel like so many of us stay in your lane stay with your plan i love shiny stuff too i am we are all guilty of it we send each other tiktok

Starting point is 00:23:36 trends all the time we even quote them it's borderline embarrassing but like don't get caught up with the hype stocks or any tiktok trends or like random thematics that you think are going to take off but you actually don't know about that and you don't believe in it just because someone else is doing it doesn't mean it would align to your portfolio like you made a plan stick with your plan for the long term yeah give it a chance to pay off so one more question before we go because i wanted to make this snappy so that hopefully we've got heaps of content into the future um how do you know when it's time to make a change so now you've been investing you've obviously made lots of changes are there signs to look for that tell you oh maybe

Starting point is 00:24:13 brooke this isn't working anymore or maybe you need to make a change genuinely just believing in it. Like I just looked then my beyond is down 97%. Sure. Great. That's not great, but that shouldn't be my wealth. I should have got rid of that, but it was my satellite and it was under a hundred dollars. See at this point, like side note, no, no, no. If it's down 97%, why would you not just keep it? Or would you invest a little bit more? Yeah. So that's where I'm at. And I just like, if it's down so much, I'm working like a hold and just begrudging. Yeah. I think, I think for me. I'm happy to accept the losses and go, wow, great. I've had a loss there. So that means I'm going to get a little bit of money off my tax bill. Okay. That's a good way to say it.

Starting point is 00:24:52 And I'm going to realign that money to somewhere that I do believe. So maybe that money I'm going to take and put into Costco. Cause I believe in Costco. Or maybe I'm going to go put that money in a door beauty or a different company. I, what, what are my beliefs changing? Do I still believe in that company? Is it still price valued correctly? Like is it overvalued and I'm losing money? Gone. It's gone. Yeah. Do I believe that they have longevity? Like, am I looking at that company thinking, oh, in 10 years time, you're still going to exist? No. Like if I blockbuster my portfolio, I would have gotten rid of that. It doesn't exist in 10 years. Yeah. And that's why we have to consistently look at it and think critically about it. And like,

Starting point is 00:25:26 we are the active manager, but you can also say that I'm quite committed. And I say that about paradigm and it's kind of like a running joke because it's like a little bit funny because you would think that someone as financially educated as me would have already gotten But you have that emotional attachment to that. Yeah, and you're allowed that. And you are, absolutely. So I think that talking like that is good. Like I've read it and if I'd read it,

Starting point is 00:25:46 it was to go down and probably would still keep it, but it's up to 68%. Absolutely. Winner. Last question for you. And I feel like this is something I struggle with. I know you've struggled with and a lot of people in our community have struggled with.

Starting point is 00:25:57 What would you say to people who have listened to this whole episode, but they still have right now analysis paralysis over what to put in their portfolio? I think just give yourself room to fail. like you are not going to get it right 100% of the time. I've just read out a bunch of you that have lost money. Do I feel shit about those? No, because I'm learning. I have my core portfolio that I feel really confident in and I'm allowed to have a little bit of fun on the side. I'm

Starting point is 00:26:21 investing dividends. That's free money to me. So that's not my money. Sure, I lost $20 on Beyond Meat, but who cares? If it went up $200, I would be like, wow, that's really cool. But I wouldn't have had that opportunity if I didn't try. So you can try, you can fail, but just do not bet your house deposit on it. Don't bet your whole life savings. Just have a little bit of fun and make sure it aligns with your risk profile. Yeah. You can invest with $5. You can fractionally invest. It's very sexy. Yeah. You can fractionally invest on sharesies. You can. Brooke, thank you so much for joining me. I think for a lot of people, this episode is going to be like the thing that finally makes investing feel like maybe a little bit less chaotic and a bit more intentional. So I appreciate

Starting point is 00:27:01 it even if it was relatively chaotic and short that's okay we do our best if you loved this episode please make sure that you are subscribed leave us a little review like please send us a dm as love notes and i'll read them out on the friday episode i'm happy to read love notes about brooke out on the friday episode even though she doesn't feature in them and make sure that you're subscribed to our show because you won't miss the next one and we post these on youtube now too we do we have a whole youtube channel i know it's giving 2007 i know i feel really fun editing those videos it makes me feel like i'm a youtuber i love it we're back in that era you just wait until i'm holding up like my makeup compact to the mirror and if you've got a friend whose

Starting point is 00:27:40 portfolio maybe could use a little bit of a glow up this is your reminder to send it their way i'm sending this episode to victoria divine oh god paradigm i'm coming for you all right guys we'll see you on friday bye friends 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

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She's On The Money - Victoria & Brooke Reveal the Really Simple Framework Behind Their Investment Portfolios

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