Your Grandmother’s Money Story Is Still Controlling Your Finances

What does your grandmother's relationship with money have to do with your bank balance today? More than you'd think.

Molly is back and sitting down with financial advisor, community builder, and newly minted author Jessica Brady to dig into one of the most fascinating and rarely talked about,sides of personal finance: how the women who came before us shaped the way we think, feel, and behave around money today.

Jess has just released her debut book Get Growing: A No-Nonsense Guide to Cultivating Wealth and Financial Freedom, and it is everything, part feminist history lesson, part practical money guide, part permission slip for every woman who's ever felt like managing money just wasn't meant for her.

In this episode, you'll learn:

• Why your money mindset is likely already formed by the time you're seven years old
• How the laws that locked women out of financial independence still echo through generations today
• What a "hot iron money moment" is and how to find yours
• Why your brain is actually trying to protect you from wealth and how to gently take back the wheel
• What a "money monster" is and how naming yours can help you stop letting it make decisions for you
• How to build a financial alter ego that helps you show up differently with your money

Perfect for: Australian women who've ever felt behind with money, anyone curious about where their money beliefs really come from, and every woman who wants to stop the cycle and build real, lasting wealth.

The biggest takeaway from this episode? Your money story isn't your fault, but it is yours to rewrite. 🎧

Grab Jess's book here.

CHAPTERS

00:00 — Welcome to Get Rich Podcast
00:02 — Introduction: Meet Jessica Brady and Get Growing
00:45 — What Is Get Growing? The Book Australian Women Need To Read
03:14 — How Your Grandmother's Money Beliefs Still Affect You Today
05:39 — The Laws That Locked Women Out Of Financial Independence
06:15 — How Generational Money Patterns Are Formed By Age Seven
07:38 — The Most Common Money Beliefs Women Inherit From Their Mothers
08:32 — Why Women Are Told Money Isn't For Them (And Why That's Wrong)
09:52 — The Systemic Barriers That Still Impact Women And Money Today
10:53 — How To Start Unpacking Your Own Money Story
11:58 — What Is A Hot Iron Money Moment And How To Find Yours
13:11 — Why Your Brain Avoids Money (And How To Take Back Control)
15:09 — What Is A Money Monster And How To Name Yours
17:46 — The Most Common Money Monsters Holding Australian Women Back
18:51 — Money Beliefs Jessica Brady Uncovered While Writing Her Book
20:31 — What Writing A Book Taught Jess About Starting Your Money Journey
22:33 — How To Stop Letting Your Past Money Experiences Hold You Back
22:51 — How To Build A Financial Alter Ego That Actually Works
25:05 — Where To Find Get Growing By Jessica Brady
   

LINKS FROM THE EPISODE

LFC Directory: https://directory.ladiesfinanceclub.com/
Financially Fierce Podcast: https://shows.acast.com/financially-fierce
Get Growing: A No-Nonsense Guide to Cultivating Wealth and Financial Freedom by Jessica Brady (Book) - Grab your copy here

CONNECT WITH JESSICA BRADY

Website: https://jessicabrady.com.au/
LinkedIn: https://www.linkedin.com/in/jessica-brady-21165812/
Instagram: https://www.instagram.com/jessbrady_financialadvice/

CONNECT WITH LADIES FINANCE CLUB

Join our free Facebook group - Ladies Finance Club Money Chat
Website: https://www.ladiesfinanceclub.com/
Instagram: https://www.instagram.com/ladiesfinanceclub/
LinkedIn: https://www.linkedin.com/company/ladies-finance-club/

TAKEAWAYS

• Your grandmother's relationship with money has likely shaped yours without you even realising it
• Most women's money mindsets are formed by the age of seven
• The laws that locked women out of financial independence are still echoing through generations today
• Your money avoidance is not a personal failing, it's often a deeply inherited response
• Identifying your earliest painful money memory is the first step to rewiring your relationship with money
• Naming your "money monster" creates separation between you and your unhelpful money habits
• Your brain avoids money to keep you safe but that same instinct can hold back your wealth
• Building a financial alter ego is a research-backed way to create new money habits
• Starting with identity, not outcomes, is the key to long-term financial change
• You don't need to be perfect with money, you just need to keep showing up for your financial future

SOUND BITES

"Your relationship with money is normally formed by that age seven."
"She was literally locked out of independent autonomous access to financial resources."
"From the moment that we grow up, we are basically told, no, this isn't for you."
"Thank you so much for trying to protect me, I've got this from here, I'm going to take the wheel."
"Money feels so serious and so heavy, it doesn't have to be."
"We're all just being brave every damn day."
"You are in a relationship with money whether you like it or not, for the rest of your life."
"Your money story isn't your fault but it is yours to rewrite."

TRANSCRIPT

[00:00:00] MOLLY: Welcome to Get Rich, the podcast that helps you do just that. Get rich and stay rich. Hey, I'm Molly Benjamin. I'm the founder of Ladies Finance Club, one of Australia's largest financial education platforms for women. But before I started helping thousands of women take control with their money, I was a hot financial mess when it came to my own finances and not the fun kind of hot, more like crying in a supermarket, wondering where all my money went, kind of hot.

[00:00:29] But here's the thing. If I can go from financial mess to owning a share portfolio, investing in property and building wealth, then you can too. My mission is simple to make women rich because when we have financial freedom, we have choices, confidence, and control over our future. Every week on Get Rich, I sit down with some of the.

[00:00:50] Best experts in the industry to break down how we can all start investing, growing our money, and creating long-term financial security without the jargon, boring bits or overwhelm. Because when women get rich, we don't just change our lives, we change the world. So if you're ready to start making some smart money moves, hit that subscribe button and let's get rich together.

[00:01:15] What does your grandmother's relationship with money had to do with your bank balance today more than you think. This week on Get Rich, I sit down with Financial advisor, community builder, and newly minted author Jess Brady. To unpack one of the most fascinating and really talked about parts of personal finance.

[00:01:33] The money stories that women inherit because the way you think, feel and behave with money today doesn't just come from you. It's been shaped by generations of women who were excluded from wealth decision making and financial independence. I hope you enjoy this chat with Jess and also if you are looking for a financial ex.

[00:01:51] But make sure you check out our Ladies Finance Club directory to connect with trusted experts from financial advisors, mortgage brokers, so you can get the right support when you are ready to take action. Jess, welcome back to Get Rich.

[00:02:06] JESS: Thank you so much for having me.

[00:02:08] MOLLY: Okay, so since we spoke, you have brought out a book, a massive congratulations.

[00:02:13] I always say to any guest we have who's written a book, well done you because I know what a slog it can be.

[00:02:19] JESS: I mean, you warned me. You warned me that it was gonna be a slog. But I don't know if I really understood what I was getting myself into, but thank you. I am so excited that she's now out and into the world

[00:02:31] MOLLY: and it's beautiful as well.

[00:02:32] I love the cover. It just looks fantastic. So, Jess, tell us about this book. Who is it for and what will it teach us? What will we learn from reading this book?

[00:02:42] JESS: Yes. So it is a slightly sweary feminist take on money. So anyone that wants to learn basically how they have gotten to where they are from a belief system about money and how to grow their money moving forward.

[00:02:55] So each chapter is a different gardening theme or reference, which I think. If you've ever seen anything in nature in terms of how great ecosystems work, or even just gardens, you'll know you need to nurture something, you need to look after it. You need a whole bunch of different things for something to be able to grow and come to life.

[00:03:13] So throughout this book, what I really love is the different stories from my community of people who really vulnerably share what they wish they'd learned about money sooner, where their money beliefs have come from, and. What they regret doing with money, but also what they're really proud of in terms of their money journey.

[00:03:29] So I really wanted it to be not just you should do this, it's much more community based, which is really fun.

[00:03:36] MOLLY: You learn through other people's mistakes and you know, in the nicest way possible, and there's lots of references to gardening. Are you really into garden?

[00:03:45] JESS: I aspirationally want really garden.

[00:03:48] MOLLY: I dunno this,

[00:03:49] JESS: I have a courtyard that grows moss.

[00:03:51] So I wouldn't say I'm the bestest of gardeners. My indoor plants are doing all right. No, I've just got a bit of a thing. 'cause obviously I run the Greenhouse Money growing program, the Evergreen Money Club, and so it was kind of natural for me to. To call the book Get Growing, and I don't think you could put more nature slash gardening references into a book if you tried.

[00:04:09] But one day, Molly, I'm gonna have a farm and have lots of beautiful plants. I'm sure

[00:04:14] MOLLY: I was just checking in case like you were a massive Gardening Australia fan or like gardener and I was just like, I never knew this about you. But anyway, let's jump in. Today's episode is all around how someone's grandmother's relationship with money can still influence the way we think about money today.

[00:04:29] So I guess let's start with that big idea and unpack that. So can you break down more about does our grandparents like money input actually affect us?

[00:04:39] JESS: Yeah. So within the first, or actually it's the second chapter of the book called Dirt. I started to do all of this research, Molly, and I'm someone that's carried around sort of the feminist soapbox for a really long time.

[00:04:50] And I'll stand up and bang my drum for whenever I can. However, when I was doing the research for this book, I became so apparent. Or aware, sorry, of how much we locked women out of money. I mean, I knew it conceptually, but the more I dug into it, the more horrified I was. And just understanding, you know, the literal laws that locked.

[00:05:12] People, a lot of most people, to be honest, out of money, I could have written an entire book just on that. And the more I read, the more I learned, the more I was like, okay, we need to tell people how these laws, even if they were decades and decades ago, still from a research perspective, are harming us today.

[00:05:28] And so. One of the things I talk about in the book is yes, all of the laws, because I think it is really easy in today's day and age to go, we don't need to worry about that. Like that was in years gone by. But more importantly, to show people actually, that's probably really connected to how you've learned about money.

[00:05:42] And so whether you realize it or not, your grandparents, particularly your grandmother, your maternal grandmother's insights on money, awareness around money, access to money is likely to have very much influenced your mother's understanding about money and. By virtue of the fact that women are likely to learn about money through their mothers impact your relationship with money.

[00:06:05] So we don't need to kind of scratch very far to be able to see. Wow. It was a very different time in era, like my own grandmother couldn't have her own bank account without a male signature, couldn't have access to a mortgage despite the fact that she could speak several languages. Was actually a manager of a Japanese engineering company, like incredibly successful, and yet she was literally locked out of independent autonomous access to financial resources.

[00:06:28] When she was teaching my mother about money, which statistically she's likely to, you've gotta think about the social context and constraints that exist in that time. And because our relationship with money is normally formed by that age seven. If your mother was taught a very traditional lens about money, 'cause that's what her mother taught her in a time where, you know, access to resources were limited, that has inadvertently probably impacted your relationship or understanding about money.

[00:06:53] MOLLY: Yeah, because I always love that stat that our money mindset is made up by the time we're. Seven years old. 'cause when I ask a lot of our ladies, a lot of them think it's actually when they start their first job, when they're 21. But it's actually way earlier than that and obviously heavily influenced by how our mothers and parents behaved with money as well.

[00:07:12] I guess. What are some of the most common money beliefs you are seeing women inherit from their mothers without even realizing it?

[00:07:20] JESS: I think there's a couple of really common ones. The first one is almost this belief that money is not the domain for women to play in. And just that this isn't something that we can quote, unquote get good at and we must not have the gene or the DNA to be able to do it.

[00:07:35] And I'm like, that's absolutely not true. This is alert skill, but there is almost just this belief that this isn't for us. And I think the system was designed not for us. So I can understand that sort of take. And so inherently what people believe often is. It's too hard, it's too complicated. I'm too scared that I'm gonna muck it up.

[00:07:50] There's too much information. I'm scared I'm gonna do the wrong thing because no one's really taught me about this. So I'm just gonna wait until I feel ready or like I have all of the information, which you and I both know often leads to people doing nothing. Nothing at all. So yeah, I think that's the most common and look like I also looked at the social sort of overlay.

[00:08:10] So yes, you've got your mother or your grandmother that no doubt has influenced your relationship with money. And of course most children witness money moments at home and they're often highly conflict full. They're very emotional moments. Parents like to think that they're shielding their children or their children don't understand.

[00:08:24] But most of us still remember very early painful memories of money. Many people went through family breakups. They went through. Tragic illnesses, deaths conflict to be it like war to on situations where people had to flee or conflict inside a home. And so that can create a lot of fear and scarcity sort of mindsets as well.

[00:08:44] And there's just this overlay beyond that of what social norms tell us is the domain of women. You know, you look at all of those, all of the shows really perpetuate this idea that women are crap with money and it is simply not true.

[00:08:58] MOLLY: Yeah. Crap with money. Bad at investing. Bad savers spend too much on our nails and our beauty products, even though society puts that pressure on us.

[00:09:09] How did you not just get super angry writing this book? Because it just, sometimes it just feels so unfair.

[00:09:16] JESS: Oh, I got so angry writing this book to the point where, you know, then I started to look at things like what, what is redlining? Which was around how they would block predominantly black communities out of accessing mortgages in the us.

[00:09:31] I looked at robo debt and just the horrific information that's coming outta there. I look at stolen wages for Aboriginal and Torres Strait Islander people like the more I read, the more angry I got. But I think the one that really frustrated me was when I started seeing all of the research that showed how.

[00:09:44] Billionaires owning media really controlled the narrative. A big chunk of that actually didn't make the book, which I was so sad because I went on some sort of crazy tyrant rant about it. But then you start to really see the system for what it is and the fact that the people with power and wealth get to.

[00:10:00] Kind of infect the masses with the agenda and the prerogative that they want. And I think it is really important to understand that we live in a system and you know that there are people in charge, especially at the moment. I'm kind of raging left, right, and center. Ah, absolutely. Um, but it wasn't good timing for me to start new hormone treatment as I was reading all of this, because you can possibly tell if you've read the book, she was in a mood.

[00:10:24] MOLLY: But No, totally. I imagine it's just like, and equality of it all is just like so ragy and I, and it's not changing fast enough. So I guess if we get like quite practical and if someone's listening to this, they know they've got like not the best kind of mindset when it comes to money or maybe they have kind of gone, just wait.

[00:10:47] A few things are clicking here. My mother. His grandmother was controlled by money. My mom's was controlled by money. I'm controlled by money or I don't know, whatever it is that maybe is like they're listening to this going, okay, maybe this is something I need to do a little bit of work on. I guess how do people start unpacking their own money story?

[00:11:04] I wanted some questions they could ask themselves.

[00:11:07] JESS: Yeah. 'cause it's one thing to like learn about the system and I guess the reason that I did that and not to try to go on some weird. Academic esoteric rant about it. It's more about, it's not necessarily your fault. Because I think for women in particular, we internalize so much shame and so much guilt, and we're told if we don't do it perfectly, we shouldn't bother trying.

[00:11:26] And so I wanted to kind of shine the light on that to say, listen babes, this isn't your fault. Like look at what you have been subjected to look at fairytales where we have told you that having money is what the villains have. Like from the moment that we grow up, we are basically told, no, this isn't for you.

[00:11:41] But then it's about going, well, that's bs what. Do I do about it? So then I spend the rest of the book, you know, helping people figure out how do you actually grow your money? And so, you know, I think I go through a whole bunch of reflective questions within the book, but I call the earliest sort of most emotive memory with money.

[00:11:56] I call it the hot iron moment. Mm. And that is because when I was little, I was very silly. My mother told me, don't touch the hot iron. Obviously I didn't believe her. And so I touched the hot iron, and I've never really gone to an iron since.

[00:12:06] MOLLY: I've never ironed again.

[00:12:08] JESS: I got on no Vision times, but I, you know, I think about it as this intense, painful, quite core memory from childhood, and I think we all have one of those from money now.

[00:12:17] It doesn't need to be something that was huge. It might be a tiny moment where you were told you couldn't have something or we couldn't afford it, or you might have seen some conflict. And so if you were trying to start and figure out, okay. What do I think about money? I would go back and figure out what is my most early painful memory with money?

[00:12:34] What do I remember about it? What did I internalize from that? Because we're actually really smart beings. We're like, oh, I don't wanna touch the iron. Last time I did that, it didn't end so well from me. I'm gonna say well away from that. So if I saw my parents arguing about money, I may not feel really comfortable to talk about money openly, certainly not with people that I love, because I have been shown that money equals conflict in relationships.

[00:12:55] MOLLY: I would also like believe, like our brain is always trying to keep us safe. So if we go actually dealing with this makes us feel unsafe, then we actually have to come kind of like almost move from that monkey brain and go, actually, I need the logic brain to take over here because we know. It's actually not gonna hurt us.

[00:13:14] Does that make sense? I'm not communicating this well.

[00:13:17] JESS: No, you totally are. And it's so true. Like I talk about, it's such a clever part of our brain for survival, like to keep us safe. It has done such a fabulous job. Annoyingly for wealth creation. It does the exact opposite. Yeah. So it's about saying thank you, like we sort of beat ourselves up and instead we're going actually babes, that's really smart.

[00:13:35] Like your brain is really clever, it's connected the dots at a subconscious level to go, oh no thank you. I don't wanna go anywhere near this. And it's about saying to your brain. Thank you so much. I absolutely understand why you were trying to do this for me. I got this from here, I'm gonna take the wheel.

[00:13:49] And so once you've kind of figured out your hot iron money moment, then I get people to create what I call a money monster.

[00:13:55] MOLLY: Mm-hmm.

[00:13:56] JESS: Because I think creating some separation between you and maybe some behaviors or thought patterns that you have with money that you don't love, it's kind of based on the concept of parts theory.

[00:14:06] And so, you know, creating this little persona for someone. Monster like that lives within us and I like to name them something as ridiculous as possible and give them a job. Title A mine is called Stacey the Staller. She loves derailing, procrastinating. Just stalling when I'm overwhelmed 'cause I have to make the big decision and I just don't want to.

[00:14:24] There's some examples in the book of other people's, um, money monsters, but I think then we can understand. Okay. How often is this money monster coming up for me? How often are they making decisions for me? What is that leading me to? Where do they show up the most? Is it after I've had a bad day and I'm at home scrolling on the lounge?

[00:14:41] Is it after I've had a part, a fight with my partner? We can start then understanding when they're likely to take over and how we are gonna redirect it so that we don't continue to end up in those habit loops. Because we can say, you know, you should sign investing. You should doing all this, start doing all this sexy stuff with your money.

[00:14:56] But I think unless we understand how we can improve our habits and the identity that we wanna have with money, we're kind of putting the cart before the horse a bit.

[00:15:03] MOLLY: Yeah, no, I love that. And I love like, so going back, like if you are keeping your head in the sand, it's not your fault. And love labeling it as well.

[00:15:14] Like we used to do this thing where my sister and I, I'm a twin and we're a little bit messy and. So if our room wasn't clean, our older sister would be like, Hey, Horace has been out again. Could you tell Horace to put the things away? So we're almost like giving it a label. So it wasn't like such a, that's me.

[00:15:33] Put your stuff away, you're being naughty or whatever it was you are, you are laboring it and you're kind of keeping that separation and that really helped and it also helped in our relationship as well. We've talked about like the money mindset. You've got some really practical tips in the book for dealing with those.

[00:15:49] Obviously looking at what is that early money memory, how is that showing up in your current self? Is there a really common one you see day in day out from clients that you can share? And how some of them have overcome it.

[00:16:04] JESS: Yeah, I think there's definitely some common ones. So whether it's, I'm trying to remember some of the names of actual money monsters.

[00:16:12] Some of my community members have come up with, like one of them was like bougie Barbara, and it's like, I just think I deserve it. I work really hard, I earn good money, I should be able to have nice things. And so people will sometimes spend. In the heat of the moment and then have regret or remorse afterwards.

[00:16:28] So it's kind of this idea that, you know, I can have business class flights or I just quote unquote deserve the thing. And it's like, well, do you deserve that item? Or do you actually deserve financial freedom and deserve the ability to live in a home that you have debt free or have more time because you can work part-time.

[00:16:42] So I'd say that is one. And then I would say anxious Annie is another common money monster that I see. And that is where they're so scared to make the wrong decision. Yeah, they can go round and round in circles forever and they just don't. Click go on anything, and then they feel remorse and guilt that they didn't do it sooner.

[00:16:58] MOLLY: Yeah, absolutely.

[00:17:00] JESS: They're very common ones. And within the book, I actually go through a whole bunch of really, really common sort of monsters that I see over and

[00:17:08] over

[00:17:08] JESS: again.

[00:17:08] MOLLY: And I love that the book kind of starts with that as well, because I speak to so many women and I'm just like, your mindset is that needs to change before anything else can change because otherwise.

[00:17:20] We're just gonna go around in circles here and it gets frustrating 'cause you kind of know the answer as an outsider, but they've gotta come to it and understand, oh, maybe that's why I deal with money. And it reminds me of speaking with a client recently and I'm like, if you look at your mother's behaviors and you look at your behaviors, like that's where we need to do the unpacking so then we can start saving towards a house.

[00:17:44] 'cause it actually is possible for you. You know, you're living this broke mindset like. Anyway, it's just like, this is where it's gotta start. I would love to know, Jess, while writing this book, was there any, I know you've done a lot of work in this anyway, and you are a financial advisor and you've got this amazing community, but was there any money beliefs that actually you realized you were still holding onto while writing this book?

[00:18:07] JESS: I think this book, writing whole exercise actually made me so much more. Empathetic for people that are starting money for the first time, because I've never written a book before. I had so many moments. So not necessarily, I'm gonna give you an answer that may not be the answer that you were looking for.

[00:18:25] But what I kept laughing about almost in such an ironic way, it was like, I feel like I have no idea what I'm doing. Like, who do I think I am to write a book? This feels really hard. Where do I even start? I'm really overwhelmed. I don't know if I can do this. You know, just all of the things actually that.

[00:18:41] People who start actively engaging with their money tell me that they feel when they're dealing with money queries and conundrums. The first time I felt that as I was writing a book, so it was a good quote, unquote piece of research, if you like to remind myself what it's like to be utterly scared, to feel like you don't really know what you're doing and just to keep going anyway.

[00:19:02] MOLLY: Yeah, I love that. And I know when I was starting my money journey, I felt. I felt all those things, I was confused. I didn't know where to start. I was keeping my head in the sand. Money would make me wanna cry. Literally, I would cry in the supermarket. So that I, I like that little analogy of writing a book.

[00:19:19] I also felt the same also when writing a book as well, I was like, why did I do this? For me, I couldn't think of anything worse than sitting in front of a computer and actually writing, and this is before the day of ai, which I was really sad about. I was literally like, oh my God, this is gonna be the death of me.

[00:19:34] JESS: Yeah. I mean, they don't, I guess it depends which publisher you are using, but like I wasn't allowed to use ai, so at no point did I use ai, which is so wild. Do you think, oh my gosh, do we have all these resources on tap? Yeah. And we can't use them. But you know, I was right there with you and I cried so much that my mother got angry and was like, you must never write a book ever again.

[00:19:51] I was like, thank you. Thank you so much for your love and support on this journey. But I think if anything, it just proves that if my neurodivergent brain can write a book. You can do anything that you want to do. And is it gonna be easy? No. Are you gonna have moments where you feel like you just want to run away?

[00:20:06] Yeah, probably. But I think that there with some time and some distance to be able to look back on it and go, oh my God, I did that. Like I did that and I made that work and I had to, you know, make sacrifices and I had to really, you know, I had to give myself some really hard talking throughout the book.

[00:20:20] But, you know, I think we're all doing that. We're all just being brave every damn day. And it's so important to recognize that if you've been able to save your first thousand dollars like you need to. Celebrate that internally, not by spending a lot of money. If you've gotten yourself out of your credit card debt, if you've done something and shown up for your future, you should be so incredibly proud of you.

[00:20:38] Like you would be if your best friend had done that. And I think again, we are just always comparing ourselves and going, oh yeah, but I don't have the. Hundred millionth property yet or other people have got this. And it's like, no, the journey is long and windy. Yeah. And if you don't celebrate every step along the way, you are gonna feel so heavy and frustrated as you go through that journey.

[00:20:56] Yeah,

[00:20:57] MOLLY: absolutely. And it's, it can be very challenging. It's not this easy thing. It's not just like, spend less than you earn. That sounds so simple. It's so much more complicated than that. So, you know, as you said, it is a journey and it's a relationship and like all relationships, you gotta work on it constantly.

[00:21:15] JESS: Absolutely. And you're in a relationship with money, whether you like it or not, for the rest of your life. If you do it really well, it'll be for beyond your lifetime as well, which is, it's an important acceptance sort of moment as well, I think.

[00:21:27] MOLLY: Yeah, you can either let it control you or you can control it.

[00:21:32] We want the latter. Exactly. And just final question, Jess, if you could give one piece of advice to women who wanna build wealth that have felt held back by past money experiences, what would it be?

[00:21:44] JESS: I would say create an alter ego. So, you know, we've obviously talked about this money monster, and I think that that is a really important piece and like the more you can make it funny and stupid and then you're like, ah, there's Horace again, Horace the Hoarder, or whatever you're gonna call it.

[00:21:58] But then if we can create the identity of who you wanna be with money and what would they do differently to how you are showing up and how would they do it and not pretending that this sort of. Alter ego is gonna show up with a perfect house with no competing priorities. Like what would they do if they were living your exact life right now?

[00:22:19] And how would they show up when they're tired, when they can't be bothered, when they're feeling frustrated or down, or wanna watch something on tv. What would they do? And give them an alter ego name, like create a little superhero for who you wanna be with money. There's some really great research from James Clear that says, start with identity.

[00:22:35] And we always so outcome driven. But you were saying this before, like you are not gonna get the outcome you want unless you actually start. Creating the habits of someone who achieves those things. So if I wanna achieve those things, what does someone who achieves those things actually do? They probably actively take time out to work on their money.

[00:22:52] They probably don't spend more than they earn. They, you know, they probably have some automations from a cashflow perspective. So think about what it is that they would do, and behaviorally how they would do things differently to how you're doing them right now. And even if you just wanna practice being your superhero for half an hour a week and kind of.

[00:23:09] Build up that resilience and ask yourself, okay, what would wonder Woman wonder do in this very moment? Like, make it funny because money feels so serious and so heavy. It doesn't have to be. And I think the more lighter we can make it, the more we can realize, oh my God, this is not as complex and overwhelming as I thought.

[00:23:23] All right, wonder, let's do this. Let's put a timer on. Let's just smash it out for 15 minutes if that's all you got inside of you. Or half an hour. Yeah. And then on the other side, you'd be like, love

[00:23:31] MOLLY: it.

[00:23:31] JESS: Oh God, I've survived.

[00:23:32] MOLLY: And I like the idea of like putting on a pair of glasses or putting on a fun hat and being like, okay, now I'm in my.

[00:23:38] Also ego of money.

[00:23:40] JESS: Yes.

[00:23:40] MOLLY: Jess, as always, this has been such an insightful conversation. Thank you so much for coming on the podcast. And can you just one more time tell us the name of your book and where people can get it?

[00:23:51] JESS: Yes, sure. So the book is called Get Growing, A No Nonsense Guide to Cultivating Wealth and Financial Freedom By Me Jessica Brady.

[00:23:57] You can find it on Booktopia, Amazon. All good bookstores. You can request it at your library. If your bookshop doesn't have it, you can ask them to bring it in.

[00:24:06] MOLLY: And guys, you know what we like to do at Ladies Finance Club. If you see Jess book in a book bookshop, make sure you cover the row in Jess's book.

[00:24:13] JESS: Thank you. Thank you. I've had some people do that and I've just been giggling because I'm like, oh gosh. I, someone who we both know, I think yesterday may have put me in the top sellers or the best sellers.

[00:24:24] MOLLY: Thank you so much. Yeah, gorgeous as always. Such a pleasure to speak to you one so much. And I can't wait to read this book and we'll do a giveaway with it when this episode comes out.

KEYWORDS

Money, Mindset, Wealth, Investing, Grandmother, Generational, Beliefs, Habits, Identity, Savings, Freedom, Budgeting, Debt, Feminist, Inheritance, Patterns, Abundance, Scarcity, Confidence, Empowerment