I, Phoebe Blamey, welcome you to Season 3, where we embark on a transformative adventure focused on reshaping our relationship with money. With over 27 years in financial services and as the best-selling author of "The Happy Money Journey," I understand the anxiety and stress that often accompany financial matters. This season, we will delve deeper into the issues that matter most to us as we age, particularly for those over 40 who are striving to get their financial lives in order.
I kick off the season with a heartfelt discussion about our financial futures. Many of us live with a sense of optimism about what lies ahead, believing that we will eventually get our finances and health in order when we have more time. However, I challenge this notion, urging listeners to take proactive steps now to secure a bright and happy future. Drawing inspiration from James Clear, I emphasize that every action we take today is a vote for our future.
Throughout the episode, I address the societal pressures and stereotypes that often hold us back, particularly women over 45, who may feel invisible in a world that still largely caters to men. I highlight the alarming statistic that women in Australia are the fastest-growing demographic of homelessness, underscoring the importance of financial empowerment and visibility.
I encourage listeners to reflect on their current financial situations and consider what their lives might look like in 30 years. We discuss the importance of having a plan for housing and financial security as we age, emphasizing that homelessness can take many forms, including living in shared or temporary accommodations.
As we navigate our financial journeys, I share insights on spending habits and the psychological factors that influence our financial decisions. I critique popular financial advice that may not suit everyone, advocating for a simpler approach to managing money. Instead of complex systems, I suggest a straightforward two-account strategy for personal finances, allowing for both bill payments and discretionary spending.
I also address the significant gender investment gap, encouraging women to take control of their financial futures by investing rather than merely saving. I stress the importance of understanding investments and dispelling the myths that have historically kept women from engaging with their finances confidently.
As we wrap up the episode, I invite listeners to take stock of their financial situations, review their spending, and consider their long-term goals. I emphasize that it’s never too late to start making informed financial decisions that will lead to a fulfilling and secure future.
Join me on this journey as we challenge societal norms, embrace our financial power, and work towards living our best lives. I can't wait to share more insights and interviews in the upcoming episodes. Thank you for tuning in, and remember to pay attention to where your 80-year-old self wants to be!
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