Everyone's talking about "locking in" and setting up their September to December sprint. So as always I'm here to be your brain-obsessed behavioural guide to designing your own lock in that doesn't leave you borrowing inspiration from everyone's TikToks.

In this episode, I cover:

• How to get double the progress for half the effort by borrowing motivation from another goal
• Choosing your focus areas with intention
• How to stay the course for the rest of the year (and why most of your energy shouldn't be spent trying to go hard for 12 whole weeks)
• Why the energy you bring to your lock in matters, and why it might be different depending on where you are in the world.
• The importance of reflecting as you go through your lock in

PREORDER THE WARDROBE PROJECT!

• Preorder in Australia/NZ: https://amzn.to/3Jatx9x
• Non-Amazon AU/NZ Preorder options: Booktopia
• Preorder in the UK: https://shorturl.at/fKH5O
• Non-Amazon UK Preorder: Bookshop.org
• Preorder in the US: https://shorturl.at/9KNyb
• Preorder in Canada: https://shorturl.at/PgcJx

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this solo episode I'm taking you through 5 powerful money conversations to have with people in your life that will rock your relationship with money, shatter your limiting beliefs and shift your self-understanding into lightbulb moment territory.

Come on retreat with us this November 20th - 23rd in Samford, Queensland! Spend 4 days at our luxury retreat centre and have meaningful money conversations, like these, alongside money workshops, yoga, crafts, pool swims, saunas, naps, and delicious feeds from a private chef. Reserve your spot here: https://www.yogablewellbeing.com/themoneysleepover

Mentioned in this episode: @tashinvests

PREORDER THE WARDROBE PROJECT!

• Preorder in Australia/NZ: https://amzn.to/3Jatx9x
• Non-Amazon AU/NZ Preorder options: Booktopia
• Preorder in the UK: https://shorturl.at/fKH5O
• Non-Amazon UK Preorder: Bookshop.org
• Preorder in the US: https://shorturl.at/9KNyb
• Preorder in Canada: https://shorturl.at/PgcJx

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this solo episode I’m sharing why September is my FAVE month for working on your financial goals, and offer you a hot little plan to see you to the end of 2025.

Highlights:

• Why motivation is higher in September than January, and why landmarking our pursuits of change is helpful
• The power of a shorter runway to success
• The value of imminent reward
• The 3 Ps of short deadlines: procrastination, priorities and perfectionism
• A plan for your next 4 months
• A mindset to keep you motivated

JOIN SMART SPEND-TEMBER FOR JUST AU$28! https://thebrokegeneration.com/product/smart-spendtember/

See omnystudio.com/listener for privacy information.

In this solo episode I'm taking you three behavioural turning points that fundamentally changed my finances forever. From identifying cycles that are keeping you stuck to always investigating the beliefs that your behaviour is upholding, this punchy ep is a masterclass in owning your own financial mindset and making positive change.

PREORDER THE WARDROBE PROJECT!

• Preorder in Australia/NZ: https://amzn.to/3Jatx9x
• Non-Amazon AU/NZ Preorder options: Booktopia
• Preorder in the UK: https://shorturl.at/fKH5O
• Non-Amazon UK Preorder: Bookshop.org
• Preorder in the US: https://shorturl.at/9KNyb
• Preorder in Canada: https://shorturl.at/PgcJx

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Welcome back to another week in our wallets, where we take you through what we spent in a week, why, and how we felt about it after.

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

Book: Know Your Worth, Victoria Vivente (9781923022430) — Readings Books

See omnystudio.com/listener for privacy information.

In this final episode of my mini-series with financial advisor Jess Brady, we dive into the crucial but often overlooked topic of risk management and insurance. Jess shares her personal experience of becoming uninsurable and making insurance claims, highlighting why timing matters when it comes to protecting your financial future. We explore the different types of insurance available and how to balance protection with affordability.

Highlights:

• Why protecting your wealth is just as important as growing it
• The three key risk categories: income, assets, and expenses
• Jess's personal story of becoming uninsurable and claiming on income protection
• The reality of insurance claims processes and what insurers actually do
• A shocking private health insurance story that cost over $7,000 out of pocket

You will learn:

• How to objectively assess the financial risks you face in life
• The different types of insurance available and when you might need them
• Why getting insurance while young and healthy is crucial for your financial future
• How to find and work with insurance specialists rather than going it alone
• The importance of understanding what you're NOT covered for in any insurance policy

Join the September cohort of The Greenhouse here: https://courses.jessicabrady.com.au/TheGreenhouseMoneyGrowingProgramxTBG

Where to find me:

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration

Order my book, Good with Money!

https://amzn.to/4jnBupb

**Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe

See omnystudio.com/listener for privacy information.

In this second episode of my mini-series with financial advisor Jess Brady, we explore the concept of a "Freedom Fund" and why investing doesn't have to be about becoming ultra-wealthy. Jess breaks down how to reframe investing as a tool for creating choices and opportunities in your life, rather than just chasing passive income. We discuss the psychological barriers that keep people from starting their investment journey and introduce Jess's six-step investment framework.

Highlights:

• Why Jess calls it a "Freedom Fund" instead of an investment portfolio
• The difference between "freedom from" and "freedom to" in financial planning
• How investing $5 can be a gateway to building wealth over time
• The shocking story of a gas station worker who built an $8 million portfolio
• Why market volatility preparation matters more than perfect timing

You will learn:

• How to reframe investing as a tool for creating life choices rather than just wealth accumulation
• The psychological barriers that prevent people from starting and continuing their investment journey
• Why consistency in investing matters more than sophisticated strategies
• How to prepare mentally for market downturns with a "sleep at night plan"

Join the September cohort of The Greenhouse here: https://courses.jessicabrady.com.au/TheGreenhouseMoneyGrowingProgramxTBG

Where to find me:

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration

Order my book, Good with Money!

https://amzn.to/4jnBupb

Preorder my new book, The Wardrobe Project, coming November 26th!

• Preorder in Australia/NZ: https://amzn.to/3Jatx9x
• Non-Amazon AU/NZ Preorder options: Booktopia
• Preorder in the UK: https://shorturl.at/fKH5O
• Non-Amazon UK Preorder: Bookshop.org
• Preorder in the US: https://shorturl.at/9KNyb
• Preorder in Canada: https://shorturl.at/PgcJx

**Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe

See omnystudio.com/listener for privacy information.

In the first instalment of this three-part mini series, financial adviser and educator Jess Brady shares candid insights into her journey, experiences, and expertise. This episode sets the tone for an inspiring and practical series, where Jess unpacks lessons learned from building a career in finance, running her own business, and empowering others to take control of their money.

Episode 1 focuses on your money memoir – all of those experiences and memories that form your relationship with money. Together we discuss the power of understanding your history with money and how it can unlock the softer skills of personal finance.

Join the September cohort of The Greenhouse here: https://courses.jessicabrady.com.au/TheGreenhouseMoneyGrowingProgramxTBG

See omnystudio.com/listener for privacy information.