The Vault with Financielle - 2025: The Year We Get Money Right | The Vault Episode 44

Episode Date: December 26, 2024

Send us a textIn Episode 44 of The Vault, we discuss this week’s controversial opinion, “New Year's resolutions never work”, before diving into our listener dilemmas:💸 "I'm so overwhelmed with my debt - how do I turn it around this year?”💸 "I can never stick to my New Year goals.”We celebrate some amazing wins from our community - we’re talking 🌟DEBT-FREE GIRLIES🌟, credit card breakups, weddings, emergency funds and holidays saved for, new jobs, house deposits and more! We couldn’t be prouder 🤩🥳🎉If you’d like to share your money win, head to the community in the Financielle app or email [e-mail] your (totally anonymous) money dilemmas to [e-mail] and we may feature yours on a future episode 💌As a Vault listener, you can get a whopping 25% off our digital course, The Money Playbook. This is a step by step guide to being financially well. It has 101 lessons where you'll learn how to budget, ditch debt, build savings and grow wealth. Use this offer code at checkout: VAULTCheck out The Money Playbook course here 💸Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 260,000 customers saving with PensionBee. When investing, your capital is at risk.Sign up and combine your pensions here 🐝Start investing without the hard work with Trading 212 💸When investing, your capital is at risk. Pies & Autoinvest is an execution-only service, not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. This information is not investment advice. Do your own research.Chapters:00:00 Introduction00:47 Reflecting on 2024: A Year in Review01:36 Listener Stories and Financial Advice04:56 Christmas Gifts and Budgeting Tips22:44 New Year Resolutions and Healthy Habits29:01 Water Bottle Addiction Confessions29:20 New Year Resolutions: Yay or Nay?29:58 The Budgeting Struggle31:38 Investing Made EasThe Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

Oh hey, Laura here. I'm just starting off this episode of The Vault to tell you about the Money Playbook. I used to be terrible with money, designer shoes, fancy meals, all on credit. But everything changed when I realized I needed to take control of my money. That's why I created the Money Playbook, a step-by-step guide to help you take control of your money, ditch the overwhelm, and create a solid plan for your future self. With three stages, survive, build and grow, the playbook walks you through everything from paying off debt to building wealth. Start your journey today by grabbing the money playbook for 25% off with

the code VAULT. Check out the link in the podcast description. I promise you won't look back. Now let's get to the episode. Welcome to The Vault with Financial. This is a safe space where we talk all things life and money and no topics are off limits. For the final time of 2024. Oh my god. Hello. I'm saying bye to four this has been a mad year mad year really word yeah just speechless speechless no it has like this is the first year we've done the pod and it's gone so quick i feel like it's always been here as well yeah yeah i feel like we've always done this because we basically do this on work calls yeah well we did always say when we started The Vault that this is just like being in our office. So we have always been doing it. But it only started in March, maybe last week of February. It was like the last day of Feb, wasn't it?

Yeah, literally. And I knew, we always said that this was, for the financial community, it was like to bring stuff to life and to bring stories. And a lot of people might not know this, you know, but the dilemma system was built on basically our Instagram inbox. So we constantly, constantly, for years, have always had private dilemmas dropped in there.

Some of them like one-liners, some of them lengthy, lengthy texts. Some of the voice notes were here for the voice notes as well. I love the voice notes. Even in person, like, I feel like we've been at events and people are coming up to you to, like, please help me, like, reel in the whole life story. Do you remember the woman that was like, you've saved my marriage?

She's like, my husband wants to say thank you as well because I was like an overspender, impulsive spender. I think she was an accountant or chief finance officer. Yeah, you know, in charge of million pound budgets and she said it just does not translate personally to me this concept of managing money and not getting into impulsive spending she did come over to you and she was like you've literally saved my marriage it was also a really boring event and she was like thank god she broke it thank god someone from financials here it's really funny because when other people from like because obviously you know we we run a tech business this is the the app that sits behind the platform and

so sometimes we have to go to those events and um it was like loads of typically men you know of a certain demographic white male just like all chatting chatting chatting and wanting to chat to you about them maybe usually and then someone came up and was like I'm a listener of financial I'm a financial user I'm financial follower and you go okay can we talk now yeah like thing it's like when the girlies get it yeah thank god you've just rescued me but that is true people in lots of different mediums come over and and that's what we wanted for the pod, but we knew we wanted to do it properly. And how do you bring these stories to life? And now, you know, Lucy asks for people to message in and we get that money. We don't get to do them all.

We don't. So, but, you know, we do record this ahead of time. So obviously this is coming to Unboxing Day. We are not together on Unboxing Day. We would probably love it if we were, but we're actually you know recording ahead of time and sometimes Lucy or Holly will nudge me and go we need to go back to this one we need to do this quite quickly there's a load that we can't sit and wait on someone's like emergency urgent like what shall I do and we're like oh this is only going to get filmed in three weeks time so we kind of put it to the top of the pile to get answered

because you know we want to help you as quickly as we possibly can. There's some, you know, some people going through some hard things, but it's grown from the people that use the app to just loads of different people that go, Oh my God, I listened to the podcast.

I wouldn't know that was you guys. And, and yeah, we want to guess this last one. We probably, I've got some thank yous. Yeah. Thank everyone.

Thank you for the content yeah mainly our friend Suze for the chat everyone's like who is this Suze we'll get her on

thanks to Lydia because everyone loves Lydia anyone that I speak to about the pod's always like I love listening to Lydia when Lydia chirps up I'm like what has Lydia got to say

I love watching it on YouTube and we're all there like looking at like I'm watching the cinema main character energy Lydia's on her own in a produced chair and we're all there like, looking at like, like we're watching the cinema. Main character energy, Lydia's on her own in a producer chair. And we're all looking at her with bated breath. Like,

what is she going to say? Always, always gold. We love it. Speaking of Boxing Day, this means we can predict what we got. Like, what do you hope that you get for Christmas?

Oh, I've asked what I specifically want for Christmas. Really? Yeah. I don't play that game anymore. So, what did you get? P hope that you get for Christmas? Oh I've asked what I specifically want for Christmas. Really? Yeah I don't play that game anymore. So what did you predict what you get and then we're gonna post it on Instagram what you actually got. Okay so I got I know I got it as well because we did our budget and I saw it. I asked for it and I got it. So I've got an anthropology bubble initial necklace. Did you like bubble writing in school? Yes. Very poorly on my part, but it's a bubble gold anthropology necklace.

And Neil got a surprise because I don't know what I'm getting him yet. We're recording before the pod, so Merry Christmas, Neil. You are absolutely a last minute garage in the corner of the street kind of. Well, I think we got to that age where we're too busy for surprises. Like I get angry when it's like oh I don't know I'm like no no no

no no no I'm not playing that game I have done a list of presents for two children I have then Laura will sympathize with me here the parents and parents-in-law then come to us and say what do you specifically want for the children which is great because then they're not getting them anything that they know that they won't particularly enjoy but you end up giving your good ideas to then your parents and in-laws then you're left scratching your head what can I do to fill the rest of the list so I have meant mentally the gift load is is high at this time of year and we go on holiday as well and the week before Christmas I don't need anything oh it's fine oh I don't mind you do Oh, it's fine. Oh, I don't mind. You do though.

Yeah. Because you'll be annoyed on the day. I threaten, I'm like on Christmas day, there will be nothing for you. I'm not going to take it of my own. Like I'm not going to go and spend more time. I got juice for you as well.

I'm tired. So Neil, if you don't get anything, it's because you didn't come up with anything. And if not, I always get you a hot drinks mug as a joke and you will be getting one of those so I hope you enjoy it so what did you get I got I'm getting um some ghd curling tongs like a wand

so I am a ghd curl girl from like the first time someone burnt off their hair doing it in the 2010s 2010s no more ironing remember people used to iron the hair they did on an ironing board I thought that was

just like Marge from The Simpsons no Marge no they did no this is really sad because this is where this is where the division

happens in the group where we're those of one age versus the other age because you've ironed your hair no but you someone's ironed my hair

for my friend you couldn't get to the root how many people do you not know that people did this The one age versus the other age. Have you ever ironed your hair? No, but you could. Someone's ironed my hair for me. Yeah, you couldn't get to the root. How many people? Do you not know that people did this? How many people have like, I thought it was like, not real. How many people have like,

froze there because you couldn't get to the root of your hair? On the ironing, you're lying on the ironing board hoping that your friend won't burn your hair. Under a tea towel. Yeah. I've had it done once,

but then I was a very lucky, lucky and a very lucky Christmas one year and my mum and dad got me the because I had curly hair problems more than you did yours has got more curly as you've got older yeah and wavy it was um the babalus first ever straighteners and they had a do you know like you like a steamer that's got a water bit? So you used to fill it up with water. Like it was this big and you used to slide it in. And it got. And so, yeah, I mean, when you could go straight, that was like a big moment. If your straightness didn't hiss, you weren't doing it right.

Yeah. Or it wasn't going to work. I can't believe you experienced the like creation of straightness. Just God needs to take a moment. Did you ever have the fabulous hair braider and it was like a machine that you put three pieces of hair in and it just pulled all your hair out? It was scary.

You'd have to cut it out. That's a weapon. That's a weapon. I've seen it do those with actual cotton and braids as well. You can get them for kids, I think. I saw those. I got a call immediately. I was like, Carl would do that with Albie.

Like create plaits. And then it puts a bead on the end. And I was like, Carl would be great at that. He would be great at that. He's the don. Do you remember those trainers you had that were like literally this big? Yeah. And they went down your hair.

There was a comb at the end. Yeah, they were like two irons. Two irons. Boom. Because if you had thick hair. Yeah. Getting the little ones like ooh I remember

going out with a friend once and the only straightener she had because I think she'd left them at her other house a house when we were out in a hotel

we're like do you know the thin GHD was I just want to say like the little scissors like they were beautiful pixie cuts

is that what it was for people with short hair yeah yeah but it would have just like I was like okay well I'm not wearing my hair down then

so I'm getting the curlers yeah because we did a debate that's good someone did a you did a Instagram stories like a couple of months a couple of weeks ago and it was

what am I going to talk you out of buying and someone said oh I want to buy the Dyson hair wrap and Lucy was like I'm jumping on this oh we made Lucy jump on it

and say right tell people why they shouldn't GHD I'm also now a GHD stan. What does it stand for? Good hair. Good hair day. Good hair day. I've got no idea. I've never even thought about that. Oh GHD good hair day yeah. I've never even thought about what it stands for. i a lot in this country the voltage on them isn't as on these equipment is not as high as in the states right so for years i've always wanted curlers but every time i've used anyone's it doesn't hold in my head to be fair one of the hairdressers um that um is in the hairdresser i go to amy she's like out of everything the straightener curls will keep the best because because of the way that they do them so I get that it burns your hair it's a particular type

of curl and then when I've been on the BBC more and more regularly and Nancy especially typically will use the wand the soft curl tongue wand thing and so I've had it used on my hair repeatedly repeatedly and it gives a different type of curl, which is a different look because I just wear my hair down. That's what I do. So I've decided to go for it. So I'm going to get those. And well, I hope I got them.

Because I ordered them. That's why you wake up with a bad list. If I don't have an Amazon issue, I've not had it. I was definitely good. And the other thing is I'm going to get some trainers. Oh, nice. Oh, I know. And you got trainers not long ago yeah that's not like you no I know I've had a training moment so my husband's a big into trainers and he makes what happens is it starts gentle where he's like trainers should I clean your trainers I'm like like, are you going to wear those? She's hinting that it looks gruffy.

And so, I've not got some Uber, these aren't, these Steve Baddins are fab, I love them, and they look nice, but I don't want to walk a long time, a long time in them,

and they're very white, so like they have a particular look, so they're the chocolate New Balance with the leopard end. Oh, that's a good idea. Cool. More of a,

like with the jeans. Dressier jeans, and like I feel like I could wear them casually as well so yeah two big presents very Christmas to you let me just tell you a little bit

what happened with the budget right so we needed to break down at some point who was it you said that

Carl needs to sell his spreadsheet yeah he needs to be a digital product so we've got we have a notion table as a family

because we've got three children and again all the flaming family want to say what's everyone buy them can i have an idea so the columns go um item link hyperlink to item there's a there's a uh buyer column so we have to write who's gonna buy it there is a purchased and there's a delivered and there's a comments just in case he puts ideas and i go no comments looks really good

well done oh no shit took back return and so like we can total it so you can work out what your child is getting you can look at who's bought it because what happens is you're just so crazy that you're like did we buy that thing did we not and i know this is not helpful on boxing day but i'm hoping i'm getting you ready for next year um but oh there's a point to this story there's a point to this story and i've forgotten what it is well that was it so we're going to our present so we have this is really important actually because now is the time to get your shit together for next christmas when you pick your sinking fund total for christmas you have to pick the gift totals that you're buying for everyone um anything that you're buying for yourself any outfits any nights out you have to really think about it because I promise you you're going to wonder I've underestimated it and so what

we did is we were kind of worked out so we spend this much on the kids and we'll spend this much on us and we'll need this for some Christmas outfits and then we'll need this for activities and um I can't remember the amount but let's say I said, let's spend 150 on us. And so I was like, GHGs and trainers, and that came to 220. And I was like, oh, Carl, I think we need to work the budget. It was like, nope. It was like, you need to take money off the kids. I was like, I thought he was going to say, take it off me.

He's like, no, take it off the kids. No, it was like, if you want it. I was like, oh. And I did some jiggery poker. I'll forego an outfit. Yes, you did. I was like, no, no, we I did some jigglypuff for an outfit yes yeah I did I was like no no the kids is already a good budget and so but that's what he did and I was like yeah we do need to do that and so what you don't do is set a budget then go right I want straighteners I don't want trainers um and I also brought down the I always buy too much for stockings and so

this year I haven't bought as much for stockings they they're not as bulging and can't fit stuff in but I brought that budget down too because that adds up because that's pretend stuff like and half of it's plastic and yeah I just got so so much more mindful about what I buy kids now because I the guilt of throwing stuff away I hate it and it plays on them like a lot of time it's us they don't need as much as we say so right so that was a long chat about what I got and the reasons behind it and hopefully helps a little bit we'll do some some more work on it but passing the baton Lydia what did you get oh I have no idea oh how amazing you don't ask did you not ask for anything specific um my mum asked me what I wanted and I gave her an answer and I've forgotten what it was

but we have a list usually of things that you want to buy would you pass that list over oh that list well well would anything on that list no it's not but could it be the what the hell did I ask for probably a bunny hammock you're gonna be surprised yeah yeah I'm gonna be surprised because I've completely forgotten. Yeah, I am. You are surprised because you don't know. Well, why don't we go over to Lucy while you have a think about it? You might remember. She's looking at her phone now.

What? Lucy, what did you get for Christmas? I hope I got a Jeff Avenue dressing gown. Of course. How could we forget? Investigative work, I think I have got it she knows um I did hint about it multiple times and I got told it was a ridiculous present so you've definitely I said about how much joy your dressing gown brings me I pitched it did you do a presentation

powerpoint and then I worked out who they ship with and they use DHL and I've seen a couple of DHL messages on Alex's phone so she's done him this when you've been on the phone

it like came up like when we were in the car and his phone's there and I'm like did you say anything I was like what's that oh

he was like just a present I always seem to ruin Neil's surprises and he's like for god's sake if this is something for Alex this is a real shame

now isn't it I know yeah maybe he got himself a dressing gown I've got primal dressing gown no you've got it we talked about it

on the pod if he doesn't I hope I'm listening to this on Boxing Day sat in my Jeff Avenue dressing gown with a coffee and a Ferrero Rocher

yep oh my god I just noticed she was so excited at this prospect of the present in my Jeff Avenue dressing gown with a coffee and a Ferrero Rocher. Yep. Oh my God, I just noticed that. She was so excited at this prospect of the present she's still towards. She knocked a drink over.

Kicked my drink over. At the prospect of this dressing gown. Jesus Christ, Alex, if you've not got this dressing gown, I'm coming round to sort you out.

I'm going to post a story. I'll find that gel in my dressing gown. So she said, so everyone, go to the page now. Yep. Go to the page, Box go to the page boxing day

and there's laura curling her hair in her trainers yeah and i've got my necklace on and what do we know what lydia's got oh yeah it's not very exciting that's all right uh tinted moisturize like a nice it's nas yeah that's bougie it's yeah it's bougie you know i don't want to buy it for myself no perfect can Santa buy that for me please I'm here for that yeah bougie skincare

my mum was asking what she can get Carl and I and do you know what his response was carpets I've spoken about that in the past

so he wanted a carpet for his 40th birthday and I told him no that's it we just get that we save for that and we buy a carpet.

I can't wrap it up. I bet it'd be a great present. Put a right couple around it under your arm. He wants, and we're not going to get it because we'll just get this possibly crockery.

Oh, for God's sake. But it's because he's fed up with being the IKEA hun that we always talk about me being like, I'm still not growing up and this is like, they were saying white bowls and then we showed me a set that had no plows so I'll

update you on um on that but yeah crockery and it just felt a bit like oh no that would be an exciting gift for me yeah oh my god again perfect you'd want the joy of picking it though yeah yeah you're rather than someone being like, I brought you, imagine, you see it on things, you see it on threads, you know when people like mother-in-law's gift that people get them. Oh yeah.

My friend used to get a, it still sticks in my brain, I don't know if I've spoken about it before on the pod, I'm not saying her name. Her mother-in-law knew that she wouldn't like this and got her a bag with woodland creatures on. What? Tell me mother-in-law doesn't like you. got her a bag with woodland creatures on. What? Tell me my mother-in-law

doesn't like you. Like Symbian families. Merry Christmas. Was it Radley? Squirrel. Well, I thought it was Radley. I think I've said it before with dogs on it,

but I remember specifically it's woodland creatures, so I don't even think it's Radley. It's not even a reseller market for it. It's Radley. Given it is Boxing Day, I think we will be

on Instagram today. You're going to check to see if Lucy got the dressing gown. So tell us what shit you got. and given it is Boxing Day I think we will be on Instagram today you're gonna check to see if Lucy got the dressing gown so tell us what shit you got yeah don't tell me the good stuff

I don't want to know just tell us what you're like re-gifting throughout the year we said didn't we we want to set up a shop in Manchester that's the re-gift store

whereas on like after Boxing Day you can come and just give your shit away like what is it that you get every year that you don't want? My mum's such a like serial returner, but she's so brutal she'll just like tell the

person like from a partner before she's had some Louboutins and she's like, they're the wrong ones. Let's take it back and get the right ones. Oh I admire that because that's a lot of money. It's a lot of money isn't it? You don't want to suck it up. No. I think she's sold them as well because they're so uncomfortable. They're like this.

I'm sorry. Our friend wore them for a ball that we go to every year and she was like, try them on. And I was like, all right then, try them on. Bearing in mind, I hadn't shaved my legs because my dress was down to the floor. So everyone was like, show us the shoes. And I was like, thank God it was in the pinch jar.

She was like, touching my leg. Oh, they look amazing. I was like, thank God it was in the pinch dart. But she was like touching my leg. Oh, they look amazing. I was like, oh no, please. I've never, so she wears really high shoes. I'm talking like YSL, the tributes, like the famous caged YSL shoe, very like Kim K, wears really high shoes all the time. She put them on to wear with her dress

and then went upstairs to get changed into her YSL tributes because she couldn't wear them so I took pictures in them I think they were like £2,000 and she's like I can't wear them they're so painful

but I can't bear to give them up because they're a beautiful shoe they were absolutely stunning but she literally wore them for pictures sat down at the meal and then went okay I'm going upstairs now to go and change my shoes

no no she still got them no no she's had them years but she wears them for pictures and then she goes and puts them back she knows who she knows who it is but i could i could i stand up in them to get to even so painful no just dangerous insane yeah so yeah take take what we're saying about taking don't feel guilty and don't sit on those presents that you don't like do something with them get the gift is in the giving like yes yeah it's done now so do yeah whether it's in a drawer or whether it's you've taken it back you've got a gift receipt or whether you've swapped it for something else or whether you just like you can't

resell it because it's a handbag with wooden animals on but also remember how you're feeling right because this is the time to plan to next year now and go we're not doing this next year yeah if there's been this exchange of rubbish, or there's been, you've been made to feel like you've not given enough, or this is a time to work on managing expectations. It's not in a miserable way. You're going to have to position it and pitch it.

But now is the time. Remember how you're feeling. Were you happy with what you gave? Were you happy with what you spent? Were you happy with what you got? You have to be the master of your own destiny this shit won't just change okay do you remember someone just put in on that someone put in the community a couple of weeks ago that um she buys for her mom and for her sister and she felt that they sometimes feel that her gift giving is inadequate and that

seriously I think they came she she came from her mum was in foster care so I think her mum's now coming to a little bit of money although very like financially well so now they're like because I didn't get anything when I was younger we're all gonna go big and you're all gonna come with me how we show love and she said that she it puts her into debt every single year and she felt like this was the year that she kind of wanted to break that habit and I we I just went all in on it I don't like people making someone else feel inadequate for how much money they spend it's not about how much you spend and if you're feeling um guilt shame regret about how much you spent over Christmas like Laura said today is the day or these next couple of days it's a perfect opportunity to put a plan into

place for next year you can't be over prepared when it comes to stuff like this because it people still pay our Christmas presents up until August when they use credit we don't we do not want people doing that so Laura's right this is like line in the sand this is your sign from us to get your shit together for next year I like it yeah okay i've got a controversial opinion we're gonna move on to new year energy okay new year's resolutions never work yeah they never they literally never work yeah have you ever had what has there ever been any it'll be interesting to know has anyone ever set one and then they've changed habits for life i feel like a resolution is like restricting something.

Okay. Always. So formal. Yeah. It's so restrictive and strict. This is the year that I'm going to blah. Yeah. The year that I'm never going to eat chocolate ever again.

For women, it is a lot around weight, isn't it? And men as well, actually. You hear women talk all the time. I'm going to go on a diet for holiday. I'm going to go on a diet for this. But actually, it is a lot around weight isn't it and men as well actually you hear women talk all the time I'm going to go on a diet for holiday I'm going to go on a diet for this but actually

it is male and female you will hear men saying oh I'm going to go to the gym more this year or I'm going to finally start my fitness journey but it's very black and white it's not very grey

and we live in a world that is absolutely grey we can't create rules at the beginning of the year because we're a different person six months in. Oh, God, yeah.

Things change, don't they? January is a lovely time to detox. And I say it in the non-commercialization sense. Sometimes December has been full of other people's plans for us. I think we've been super lucky, especially as you get older, that you do less stuff that you don't want to do and you do more of what you do want to do. So the nights um that you do less stuff that you do that you don't want to do and you do more of what you do want to do so like the nights out that you do are the chosen ones and this you know it's hilarious when you're trying to organize calendars like in

I mean August and September for Christmas stuff but I think it's worth it because what it means is the ones that matter get put in and then you can kind of it's a hectic time and so whether it's you know you're drinking more alcohol than you would usually or eating more it's excess eating out late nights dark you know and it's it's plans plans plans logistics you know if you have children and you've got those logistics on top as well they all have Christmas things going on so there is something about this like time now between Christmas and New Year where you can have a little think about um a rest like a rest period um which might not be rest like physically rest but a rest from all that chaos and so I like the idea that

you would maybe set intentions for January and not for the whole year well people just go so intense so if anyone in our village is thinking of joining our gym in January don't because I have been going with Laura and our friends our gym friends for the last two years consistently and every January we're like can't get out of class and then in February there's no one to be seen like the class gets cancelled because there's two people I'm like can we stop with the dramatics like it doesn't have to be this excess. Detox is a great word, but people take it so literally like, I'm just going to have a smoothie and some nuts

and then they're miserable. And it's like, you know, step counting. I'm going to walk 10,000 steps a day in 2025. Can you dispel the myth? Is it you that told me about the 10,000 steps? No. No, it wasn't you. Oh no, it was Neil.

Tell us, Lucy. It was looking petrified. It was Neil. So it was created by a japanese company that made a pedometer yes they were like they needed a nice round number my tiktok is like you need 20 000 steps are you gonna die yeah okay do you know what i saw i saw a fab girl actually on my tiktok for you page from la and um she like influenced her so super fit and super lots of time so let's be very clear about the situation but she goes for an hour walk a day and I was going through a phase of track oh I've not got

my aura ring on I'm just really she's gonna die I'm not gonna aura ring on for those who look you're actually dead not tracking your heartbeat so you're technically dead so actually I'm really enjoying that for doing my my sleep um which is very little which is but it makes me get it I love it tells me to go to bed and when I get tired and Carl's not tired I'm like well my rings told me I need to go to bed um but to that point so I was at a point where like I've been on such a really good weight loss journey recently where I'm not getting on the scales I am just moderation rather than like absolute cuts and I was getting so obsessed with the number of steps a day to the point where I was like wanting to go on the walking pad and then the aura ring doesn't work or pedometers when you type in and

walk in so I'd put it down my bra because it works I was testing it out I was like well it's not because just so I can get this number that I was so obsessed with the number that like even at night i'd be like i need to go on a walk to hit this number alex and my kids are that like well you're trying to close a ring i think what what's difficult though is if you don't the problem is you can be so sedentary and sit still all day and i saw this girl just say I got obsessed with numbers and I didn't like doing that so I go for a walk for an hour a day and if I don't get that hour in and it could be two half an hours but I've at least broken up into 15 minutes ones and so she says because I'm setting my time by it she said I enjoy the walk I'm not checking how many steps I'm doing yeah I'm actually thinking about life I'm chatting to a friend or I go for a social walk because I've

not said do you want to go for a walk but I need to get five thousand and so that i just love that moderation isn't it to to be constantly we're still under this like oh something's over me tracking me i need to close the ring i need to hit the number to that point it's harder when it's a when you've got to track it and whether when it a goal, I think we set ourselves up to fail. This is the problem with, like, this is the New Year's resolution. I'm going to drink two litres of water a day. I'm just like, who decided two? Because I'm never out the toilet.

You won't see me. You should just drink more water. But with, like, the Stanley Cup thing and the Ice Cup thing, I guess as women we do like to gamify something and we do like to mix with the pretty so there's nothing wrong with that but we're missing the point that we should have been doing that anyway we should have a glass of water we should be drinking more water but you don't need like a oh I'm gonna I'm gonna do this and do this because what you set yourself up for is overwhelming and as a female you go I'm gonna drink more water so I need to

buy a Stanley cup yeah I'm good I need to walk more so I need to buy a walk buy a walking pad that's me yeah hello you bought the Stanley cup what do I buy then but it is just go out for a walk just drink more water you've got glasses at home they'll do like women have to like tangibly have I actually think on the podcast is the only time I drink water out of a glass. God. What do you usually drink out of? I just love water bottles. Okay.

Like I'm a water bottle addict. Yeah. I need my emotional support water bottle. Yeah. She's over there. She's got eyes on. She's got an eye. She's never far.

So yeah, I think it's the, like don't overwhelm. But really, like, it's not wrong to have change in goals and stuff, but not like making it a 1st of January thing. No, and if you fail, you're a bad person or a failure. Like, you can always pick stuff back up again. It's the money thing and the eating thing. When people get to, like, the first week and they go, oh, I've fallen off the wagon with the money,

they're right in the community, they go, oh, I'll just sod it and you're like no no no you've got all or nothing yes it's the small changes that are deaf yeah that says that that little habit changes make incremental changes to go all in you're gonna fail it's like when i do a strict budget and i tell people they go oh my budget's not right it's the first month and everyone piles in and says your first budget's never going to be right and everyone always says the the reason why it's probably not is because you've gone too hard yeah and all the community members that have been through that are three months in four months in six months in two years and they're like you've gone too strict i can tell like you need to be kinder to yourself and give yourself a bit more

room in the budget because you had literally set yourself up for failure so yeah say no to new resolutions but if you want to get your money shipped together this year that is always a good one yeah yeah feel free to want to make a change but ease yourself in i always think men are better than women i do like i just think we're terrible we make ourselves so much work we create work we love creating extra tasks like being busy i also also the thing of like seasonal living. Spring is the time you're supposed to be like, okay,

New Year's. Oh yeah, you always say this to me. Now is the time to set new goals and like summer's about to come out. We're in the depths

of winter for New Year. Look after yourself. Yeah, that's such a good idea. I say all that. I will absolutely be on my New Year grind. That's what I say.

I'll be like, I need to be so productive today. Lucy will have a Notion page, no doubt. She'll have a new book. Notebook. New book. Notion page.

Calibrate, not calibrate, step counter. Water. Tracker. Surely you've got one of those in there somewhere. She's all taught this one. Breathing tracker.

Track anything. You track mine as well. You'd love that. love that okay I'm gonna read the first dilemma oh the first last last first dilemma yeah okay 24 Laura do you want to know my secret to wealth building sure go on it's about working smarter not harder basically be a coffee cat well as your older sister I can see how you would think that. Okay, hear me out. The Trading 212 Pi feature kick-started my investing journey. Instead of handpicking my investment portfolio from scratch, which I found overwhelming and to be honest, I couldn't be bothered, I copied someone else's portfolio straight over to mine. Now I can take

all the credit for their hard work and feel like an investment pro. Just a side note, we handpick our partners based on products that we personally love. If you want to start investing without the hard work, Trading 212 is a great place to start. Head to the link in the podcast description to get started. Okay. I'm so overwhelmed with my debt. How do I turn it around this year? Hi girls. I'm starting 2025 with £5,400 of debt and no savings. I feel so overwhelmed. I don't even know where to start. I want this year to be the year I turn my finances around but I feel stuck between paying off debt and saving for emergencies. Should I focus on one before the other and how do I even make a plan that's realistic and doesn't make me feel like

I'm sacrificing everything? I see people on social media and in the community smashing their goals, but I don't know how to take that first step. Good one. Do you know so many people have this situation where you have this like, the credit's available, you've been given it, you might have like a bad appellator account, or you might have like a credit card, it's not a percent, it's like no pressure. And you seemingly don't worry about savings because you've been using the credit but when what happens is you build it up and build it up and build it up and you're getting closer to that limit the pressure of suddenly I have to pay that back and I've no savings and you can't lean on it if you've got an emergency because that's been your

thing you've got it there that it does feel overwhelming but I feel like she's made the first step which is I'm going to get rid of it once and for all and um it can be super hard kind of in the community when you see other people yeah you feel like everyone's smashing it but everyone's been through that first thing of it feeling incredible like you're just faced with hurdles nothing else yeah you feel like the world's against you and it's hard to get going but um everyone always asks this dilemma about should I save for emergencies or should I pay my debt off first and it's really interesting I think people think that we would obviously say well pay your debt off first because you might pay an interest on it or whatever it might be but the whole reason why we encourage people to have an emergency fund is so that you don't lean on credit again and people

when they understand that it's like a big light bulb moment like oh yeah of course because I used credit because my washing machine broke or I needed some work done with my car and I didn't have the savings ready to go so it's just, that cushion to make sure that you don't lean on the debt. So once you've got those emergency funds, all you're going to focus on is paying that debt off and never having it again. And therefore you won't need to reline it because you've got your emergency funds and they are literally, they are goals. I think they are adult goal. I've, I've properly feel like I'm adulting when I see that emergency fund sat there because we've been programmed for years and Laura always brings this up

to save for something. Like, you know that when you're- Save for a car. Yeah, save for a holiday. Or an extension or- A table. Yeah, saving for- We're always saving for something,

to buy something, to- But the mindset change to save for potential emergencies just shows how financially well you are. You've got a pot of money sat there that has no allocation. It's for whatever life's going to throw at you and that is just so freeing isn't it exactly no it's massive and and i think that the other thing with the saving for the

emergency fund is and people don't like to hear this it's training for the future like we always like instant gratification we always like to be able to do things amazingly well and do it first time but using your budget to save up some money to put into account to not touch i'm gonna just this you're gonna be doing this for the rest of your life yeah sorry yeah can you save the emergency fund if not you're not ready yeah if you can't do that you start so truly if you can't do that that's just gonna enjoy what you're doing and don't bother because it's it's the tough bit and and so but it's it's not it's nice because the debt gets annoying because that's building up in the meantime and you're saving up money you're not overpaying it but don't jump straight to paying off the debt because some people come to us and gone oh i went to they want to cut the corners

they think they're hacking a system and we're like, okay. Like then they come back like a few weeks later, like, oh, you were all right. You were so right. So trust the process. So you need to do a budget in the app, build up an excess cash, make sure that you're bringing in less money than you're spending. That excess cash is going to go in a pot somewhere, high yield interest rate, please, if you can. And it's just called emergency fund and it's not for anything

else and when you've hit your like a minimum one month's expenses is what we say jump straight back over to overpaying the debt it sounds like she's got two so let's order them if they're both an okay interest rate do the snowball method which is smallest to largest if one of them's a dodgy interest rate put that one first you'll just feel a bit better um but you're doing one thing at a time so let's say this payday december payday and january is all about saving up that one month's expenses and february might be as well but you've got your eye on march and when march comes around you know you are going to use your excess to then overpay the debt the other thing it does it gets you a bit excited you might be like right these shitty christmas presents that i didn't like

that's vinted that's basically marketplace people get a bit feral in our community when it comes to saving for the emergency fund in particular because they've got the bug of like saving for something and they're like how can I get there quicker because they want to start paying the debt they want to pay the debt like Laura said they could see they can see the debt so they're like screw that I've got my eye on March. But actually, could I make it February? Like that present's going, that dress is going. The images invent the hurdle. Like they're going to get past it. We send so many of our community members

to like a Vinted or an eBay or a Facebook marketplace. You're all welcome, by the way, those platforms. Because people sell anything that's not nailed to the floor. They're like, it's gone. Yeah, the kids don't buy something on. They're like, sell it and get the cash. Yeah. Because that's for another time.

I've seen lots of people do that circular thing but um but good luck let us know how you get on because what I want is you coming back to us in spring in your new uh debt-free era uh setting some new goals with us definitely I'm excited for you okay in the community I did a little post and said, round up your year for me. Tell me some wins you've had. So I'm just going to reel some of these off because they're pretty amazing. So this is from Hannah. She got married, passed her motorbike driving test,

secured a fully remote job and joined the financial community. She said, that wasn't a goal as such, but something I accidentally stumbled across and so glad I did. She saved up her mini emergency fund yeah amazing well done we've got Kelly we've got Kelly who became 100% debt free finally broke up with credit cards saved a mini emergency fund started saving for a house deposit that flats yours we've got Lamma who said this year I have paid off my credit card debt in full switched to a new job with a higher pay saved up a mini emergency fund completed my investment goal for 2024 and started saving for a car i'm sorry loving these roundups this is like now you're

just showing up and then we have helen who found financial paid off my next account and paid fully for next year's holiday and she says she gives us a little bonus in 2025 I will have a mini emergency fund and clear my credit card oh my god fantastic great imagine going to the new year knowing what you're going to achieve and now we've talked about resolutions but goals are a little bit different I feel like with money you're like there's like there's logistics involved and it's like that is the date I'm going to be debt free you can work out if maths it is you can you can project forward right when do I want to how much have I got how much do I make each month how much can I put aside what's my excess blah blah we're all about modeling financial goals so much easier by the way to hit

than any other I think because it's maths yeah and also like the anytime maths is fun yeah the flex wedge is going to be on a holiday because I always say this when you're on holiday you're on the sun lounger have a look around and be like who paid for this

did Visa pay for this I paid for this in fact ask people how did you pay for this oh you've not yet oh you're paying it off for next year it's the quiet smug factor

so well done yeah I love that if you'd like to send us your win head to the community or email it to the vault at financial.com okay actually now the final dilemma of 2024 okay listeners i've got a controversial money opinion from our friends at pension bay pensions can be sexy yes you heard us right pensions can be sexy laura holly disagree agree i oh my god i agree 100 i think so many people reach out to us they ask how they can start their investing journey but spoiler alert if you invest into a pension you're already an investor and if

you aren't investing into a pension our question would be why not with pension b's website and app they make it simple for customers to combine their old pension pots contribute flexibly and withdraw their pension money all in one place you even get your own dedicated uk-based beekeeper which is like an account manager to support you every step of the way i personally have been a pension b customer for years and i wouldn't be so buzzing about my pension without them. Get it? Yeah, we get it. You love talking about pensions and PensionBee. Download the app today to get started or head to PensionBee.com for more information. And remember, when investing, your capital is at risk. I can never stick to my new year goals. Hi girls. Every January, I get so motivated to set goals

and create a budget, but by March, I've fallen completely off track. It's like I lose all my momentum and I end up feeling worse than before. I want 2025 to be different, but I don't know how to make goals that actually stick. Should I set smaller goals or is there a way to stay consistent when life gets busy? I'm tired of starting over every year and just want to feel like I'm making real progress. How can I break this cycle? I feel like I probably didn't know this would be the question before I waxed lyrical about goals before and stuff and milestones. But do you know what?

Like, it is that point that whilst I liked the roundup that you just did then, Lucy, because it was what people had achieved. But you don't always have to say in 2025, I going to achieve they were just kind of the results and so I think my maybe my guidance to this dilemma is going to be more like that which is math driven so what would you like to achieve and whether they happen in 2025 or not is irrelevant um and you can manipulate and bring goals forward like we've talked about, but not overwhelming. You're just like, what are the things you want to achieve in your life? And so I just definitely feel that thinking about what are the things that you would like to achieve? So

it could be a house move. It could be trying for children and paying for that if you need to. It could be a house move to like a new rental. It could be a new wardrobe. Like it could be um a house moved like a new rental it could be a new wardrobe like it can be superficial and deep as well what are things you'd like to achieve and it starts with the budget and when you put your budget together that's your plan that'll tell you when when you can hit things because we've talked about this before you can either do one thing at a time when it comes to these extra like life goals or you can like once you're a bit further on in your journey do multiple and you just get there a bit more slowly and we've had these times before where you go oh I want to do this I want to do this I want to do this and you go we can't

do everything what would you like to do first and and you'll get there and some of them may land in this year but they don't have to and this is about bringing it to your lifestyle not right gonna do it's not like running a 10k I don't think it is because what we want you to do is change what you're doing for life so if you want to run 10k by or let's say 5k catch 5k is a great system where you do have to train for it and if you fall off the wagon you don't hit it it's like a binary yes or no whereas if you actually make a commitment to get better with money and if you have some goals that you want to hit and you plan them out some of them might land this year some of them might land next but as long as you don't plan too intensely you won't there's not a wagon to fall

off because it's just a new way of doing things yeah maybe it's a I'm gonna stick to my January budget rather than yeah break it January I'm gonna get my money together for 2025 and I'm gonna save this another no no maybe we make it so small and achievable that I stick to my January budget and by the way it sounds like if you can't stick to a budget you're not doing your budget properly you might be going too intense because I don't know your specific money goals but if you're trying to pay off debt or whatever it might be you're so desperate to get there you're going I'm not gonna eat anything I'm not having any coffees ever I'm not going to eat anything this month. I'm not having any coffees ever. I'm not going to see any friends this month and there'll be no cinema trips.

I hear that so often. So many people just go too hard. So I think you're not hitting your goals, which sounds like you want to stick to a budget. I don't think your budget's right. And you can ask in the community as well. I love it when people go, we're a family of four and our grocery amount

that we put to one side every month is this much. What's everyone else's? And everyone goes in and explains. So we spend £400 a month because we get food vouchers or we school pay for dinners because they're in reception. So we don't have to worry about the packed lunches and people give a little bit of context. So you can go on forums as well. People will say how much they spend and how, but you might just be going too tight and don't make the goal too big. For January, I would say,

for January, I want to stick to January's budget. That's really short-term goal. That's four weeks. Yeah. And it doesn't mean going hard and on something like trying to do 75 hard or whatever. We've looked at in the past when it comes to these little habit changes, they're a little bit drastic,

but yeah, stick, just maybe bring that goal in, make it a bit more of a gentle goal and let us help you as well yeah gentle gentle goal I like the monthly breaking it down yeah if she said oh by March I'm like you're thinking too far ahead yeah you might need to think in small little chunks some people like to think long and they can see into the future and they've got this like long goal especially if you're on a debt-free journey like I don't know I don't think Hannah woke up on the 1st of January and said I'm going to achieve all these things exactly I think that's the point it's like I want I would like to be debt-free I'll do some maths about when that could be whereas Kelly probably did because she was on

this debt-free journey so she like you said maths planned out how much she can put towards a goal each month and we know that she did because she shared with us a debt-free date and she she hit that because she was on a debt-free journey but yeah I don't think Hannah woke up and said I'm gonna save my emergency fund I don't think she did I think they gently came along when she got in the community a little bit more and saw what other people were doing and had a little look around definitely go for January I'm gonna finish off this is gonna be like our time capsule that we're gonna have to listen back to in 2025 last episode what are your new year goals uh financially I would like to focus more on investing so we have got into a good rhythm it's very passive our

investing journey at the moment so I'd like to be because it's so passive I'd like to have a little bit more like of my investment my time and energy put into it so I can be a bit more um have a bit more autonomy about where it goes like what kind of funds I'm investing in what do we care about as a family and then we can turn around when we're older and say we did that like we want we really cared about the environment or we really cared about women's issues or whatever it might be and invest in those companies and kind of choose them whereas at the moment we kind of hand it off to a robo um investment platform and kind of let them do the work for us we give a hint about what we might want so we do invest in fossil free fuel funds and that type of thing but i'd like to have a little project with me and neil and kind of

choose the companies that we want to invest in and see how it performs so you can yeah you can check in with us I'm very like you can ask can't we could be like right how's it going the grass going up so that's good but I think that you know if you're tracking your net worth it's like this bigger figure but actually imagine like looking at like say your stocks and shares ice room going right okay we're going to consciously contribute 250 a month to this and then let's see how it performs um I think that might be nice to share with financial I think felt like that little to give you a little behind the scenes on that journey yeah yeah I think mine is going to be I love the concept of the gentle goal I've been super super happy with how this year as a family we've navigated um doing fun things um whilst taking care of the financial

basics so a lot of stuff for us happens in the background some automated investing for children some automated extra pension investing um I did show an intention to want to overpay the mortgage more this year um my husband had a job change halfway through the year and that was a very unsettling time and there was just this you know when you want to go I want cash and so we instead of overpaying the mortgage we we piled up the cash and um like not literally like I've got a visual of like a big pile of money like swimming but I think that it's all about how it makes you feel and at that time more him than me actually made him but us feel better to not hand that mother up money over to a mortgage pay off and not see it again um we did overpay the mortgage we can always do that can't do it

later and we might do more this year and so I really liked that balance and so what I want to continue to do is every budget make the excess big enough so that we have options to do those like random overpayments and extra stuff but small enough that I've enjoyed it that we have options to do those like random overpayments and extra stuff. But small enough that I've enjoyed it. That we've enjoyed the spending. That we've got that balance. There's no lack of joy. Restriction. To hit the money goal.

Because a lot of people do do that. They just strip joy. And that goal is then not so great to hit. It's not as enjoyable to get there. Yeah. We could overpay our minimum that you're allowed. And take off a holiday or two. not doing it no but just remember where I am this is not a humble brag but this is very specific I have been in the trenches and I have gone without and I've paid off debt years down

the line and I kind of missed that a little bit as well like this apartment is like oh I just put it on a credit card. Should we pay it off? But I do think that like, you know, I'm having to learn to spend again. Our husbands are having to learn to spend again. And I mean like,

we're talking on a pair of bloody trainers. We're not talking like, going in the car this morning where I was like, we've gone the other way them two. I was like,

they don't know how to spend money anymore. They don't have any, they've been really frugal and choosing sensible things to buy for Christmas and we're like, because we feel good and we're in you know we're in this every single day like comfy space it's like not lavish it's like no it's just well financially well and that's the

goal that i want like i would like people to focus on much more than like a monetary i want 20 grand in my eyes so like no you just want to feel good yeah and you can okay any other goals for the team mine i'm gonna have a sinking fund for Yeah. And you can. Okay. Any other goals for the team? Mine, I'm going to have a sinking fund for driving. Oh my God. I've seen this. I've said it last year. On my Pinterest board for this year, there's two things, a sausage jog and driving certificate.

Zero. None of them. Is the sausage jog still going to be on this Pinterest board? No. Can we take the sausage jug still gonna be on this coming up this is the year i'm settled where we are where we're living and i'm like okay these roads seem nice yes i couldn't be driving in manchester She was battling the Manchester O's. You weren't feeling it, were you? No. So this is the year. This time next year.

She'd be bombing around them country lanes. I'm saying it here. Have we got a goal of when you want to be driving by in 2025? Have you thought that far ahead or is it just that's the year? No, because I'm going to do a few lessons and just see what... Okay. Because I did have a few lessons when I got first got my provisional and it was uh bumpy to say the same for everyone honestly no one knows how to do it first time yeah so that's

it's that's super apart from my five-year-old that I confidently feel could break into a car and drive his way to wherever he wants to go he definitely could no but I like that the gentle goal is this is the year that I'm going to hand over some money and get some lessons well yeah I'm going to save up in my sinking fund

so I'm like ahead with lessons yeah that's a good idea I'm not going to do a crash course yet I might maybe I will build my sinking fund up for that do the crash course

do not I need a few lessons first though multiple hours a week away to drive in for months like just get it done that's my advice and also my another new year's goal sub new year's goal to that is convincing my boyfriend to get insured on his car yes we can help you with that yeah petition can you write a message for me we've got 10 000 signatures on the financial community send your dilemma in to

yeah and then play it when you're in the car with him that's a really good idea don't you think you should do that yeah much more financially economical okay lydia lydia uh well i i've had quite a strict year for personal reasons but i feel like i'm starting to come out the other side of that now and like I'm gonna start putting more money into sinking funds and actually just let go and like like Laura said like learning to spend more maybe putting more into like travel sinking funds um and I also just got my yoga teaching qualification so I'm gonna 2025 I'll do some yoga teaching yeah like it's not gonna be like a proper side hustle like for money but it might be nice to have like extra 20 quid a week or whatever doing something

that you like anyway yeah yeah I'd be doing it anyway on my own so may as well people like us along that you can't you'd be paying someone to do it and you might be more qualified than them so yeah someone to hang out with me yeah I think they're great ones and I think that's such a good one for you Lydia like to learn to learn to spend whilst hitting goals and I think that's such a good one for you Lydia like to learn to learn to spend whilst hitting goals and I think that's the magic of like the financial plan and the methodology of it is showing you that um both can be true both can happen but I think what happens is you've got to tick certain boxes first so like being able to manage your expenses you know in a way that doesn't get you stressed.

That's a thing to tick off before you can start delving into extra spend. So some people don't do that and go all into the spending. They're like, la, la, la. But, you know, doing that. And then that next phase of starting to build up, you know, having an emergency fund that's at a level that you kind of go, my expenses are this and my emergency fund are this. And that feels okay. Yeah. my expenses are this and my emergency fund are this and that feels okay yeah and like and I can turn off spending if I wanted to but starting to introduce like these like memory making things and the travel stuff is is exciting yeah I was looking at the playbook earlier and I was like the survive section I was like completed it like it's like know your numbers mini emergency fund done uh

what's the other one debt free debt free yeah Debt free. I haven't got any debt. Yeah. So I feel in a really good place. Nailed your budget. You're comfortable with that month of budget now. You're in build. So are you happy with your emergency fund? I'm building a large emergency fund.

Yeah. But that's just like I, that money is straight away when I'm paid. I'm just putting that away. So that's ticking away in the background. And then I can just put the rest in like. Would you? That's amazing. And you have, like I said, even in the future you want to buy a house there's a house deposit thing happening slowly and the but the important one that you're

talking about is to build is um build your bigger emergency fund big life goals and um save for house deposit and the big life goals thing is really hard to describe but it's about re-looking back at your budget and saying in survive this is where i shouldn't be going i'm going on busy travel trips or i'm putting extra stuff in it's when you want to get out of survive once you're out of there you should relax that budget and we should get shoulders yeah yeah and it should be but that's where the budget but you still you're still paying for it with cash you're still saving up in advance it's still not easy but it's this time

where like you should be you know adding beauty to your budget if that was a thing and you cut back on it if you were a foodie adding the food back in if you need better crockery

yeah I've not had a haircut for like eight months and you won't feel now you won't feel guilty for having it because I think you would have felt guilty before

like a few months ago you would have felt guilty to go and have a haircut whereas now you should go and enjoy your haircut like I do because I've got that sinking fund do you want do you want olaplex yes I do actually relax when I'm washing my hair yeah yeah do you know gripping onto the thing but you can still be educated and say how much so you know beforehand ring up a few months before and say if I wanted to come in and have a full this, full that, what's it going to cost me? And then you build the sinking fund up for it. There's no like shit when they tell you the price at the end and you're like, oh, I'm going to have to put it on a credit card.

No, you're going to be fully. Yeah. Do you want a tip? Always tip me. Tip your hairdressers. Tip your hairdressers. It's a hard job. Yeah. It's when you know the wheels won't fall off because of a decision. That's where guilt in a decision comes,

if it's at the expense of something else. Well, let's do the time capsule rechecking in a year, but also we'll dip into how we're feeling periodically. You can hold us all accountable. I'm sure we're fine sharing our feelings. How are you? Okay, that is all for this episode. The is now closed just a quick disclaimer the vault is just a chat or on life and money topics we are not giving financial advice