Explore every episode of the podcast The Broke Generation
| Title | Pub. Date | Duration | |
|---|---|---|---|
| What's your "silent dream" and are you ready to address it? With Tash Etschmann [RETREAT SPECIAL] | 07 May 2025 | 00:28:00 | |
Welcome to a 3-part mini series to celebrate our upcoming retreat in partnership with Yogable, The Money Sleepover this June! In episode one, we're giving you a taster of the types of money conversations we'll be having at the retreat and the type of vibe you can expect, by discussing the concept of a "silent dream". You know, that thing you always kinda wanted to do but think it's too late or that it'll never happen. Highlights:
- The Money Sleepover is the ultimate women's financial wellness retreat, with all the fun of a sleepover from your youth, but for grown ups. Think: private chef, a sauna, yoga sessions, mindful crafts, facilitated money conversations and empowering finance workshops to help you live a life of joy and purpose. We have a handful of spots left for the retreat, so get yourself booked in here: https://www.yogablewellbeing.com/themoneysleepover
Hosted on Acast. See acast.com/privacy for more information. | |||
| FRIDAY FAVES: how to break the clothing spending cycle | 01 May 2025 | 00:40:29 | |
In this top loved episode I'm chatting about one of your FAVE topics on the pod: clothing spending. Oh, it's such a beast, isn't it?! If you relate to the feeling of outsourcing your identity to consumption, you'll love this episode. GET YOUR TICKETS TO MASTER YOUR STYLE MASTER YOUR SPENDING! https://www.trybooking.com/events/landing/1379832?embed Join the waitlist for next round of The Wardrobe Project: https://mailchi.mp/7dbdeba873ab/atq5ho25bz?mc_cid=d857a7f281&mc_eid=9e962acd97 Episode highlights:
ORDER GOOD WITH MONEY: https://amzn.to/4bC6QV8 GET THE NEWSLETTER: the weekly money psychology and mindset newsletter (that just so happens to have fun bits like a hot & not list, things I didn't buy, and fun updates from behind the scenes. Head to www.thebrokegeneration.com/subscribe, where you'll also get your free Financial Values workbook. Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration
Hosted on Acast. See acast.com/privacy for more information. | |||
| Financial behaviour hacks to make money simpler, part 1 | 30 Apr 2025 | 00:33:26 | |
Money management doesn't have to feel restrictive or complicated. In this episode, I share 4 practical financial behaviour hacks that have transformed my relationship with money and can help make your finances simpler too. Highlights:
Mentioned in this episode:
Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration Order my book, Good with Money! **Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe
Hosted on Acast. See acast.com/privacy for more information. | |||
| THAT'S JUICY: Emily Wallace on insider property knowledge | 24 Apr 2025 | 00:41:08 | |
Welcome to a new series of the podcast called That's Juicy! where I nab a chat with experts in a range of fields and squeeze the juice out of what they do best, to equip you with the knowledge you need in life and money. This week we're joined by long-time friend of the show, Emily Wallace, who is a prolific Buyer's Advocate here in Melbourne. She knows the property buying process for first and family home buyers like the back of her hand, and in this episode of That's Juicy, she shares her best advice on navigating the confusing world of real estate. Highlights:
You will learn:
Where to find Emily: https://wallaceadvocates.com.au/ Instagram: @emily_wallace_ba TikTok: @buyersadvocatemelbourne Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration Order my book, Good with Money! **Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe Hosted on Acast. See acast.com/privacy for more information. | |||
| How to build a regular reflection routine for your money | 23 Apr 2025 | 00:40:53 | |
In this episode, I share why developing a monthly money reflection practice can transform your relationship with money. Instead of waiting until year-end to review your finances, I'll show you how regular reflection can lead to faster improvements and more intentional financial decisions. Highlights:
You will learn:
Resources Mentioned
Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration Order my book, Good with Money! **Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe Hosted on Acast. See acast.com/privacy for more information. | |||
| Financial imposter syndrome: what is it and how do we tackle it? | 17 Apr 2025 | 00:32:32 | |
Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @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. Hosted on Acast. See acast.com/privacy for more information. | |||
| Style and spending miniseries: your identity | 11 Apr 2025 | 00:27:48 | |
Welcome to the final episode in our 3 part style & spending mini series! Today we're finishing off with the aspect of your style that comes entirely from your mindset. From breaking up with your fantasy self, to finding acceptance for who you are and changing the way you see yourself, we'll leave you inspired to silence that inner critic and start seeing style differently. Get your event tickets here: https://www.trybooking.com/events/landing/1379832?embed Join the Wardrobe Project waitlist here: https://mailchi.mp/7dbdeba873ab/atq5ho25bz Download Carted and start your wishlist today: https://www.carted.com/ Where to find Maddy: Instagram: @_madaboutfashion TikTok: @madaboutfashion Website: www.mad-aboutfashion.com.au Where to find Emma: Website: https://thebrokegeneration.com/?v=518f4a738816 Hosted on Acast. See acast.com/privacy for more information. | |||
| Style and spending mini series: your buying patterns | 10 Apr 2025 | 00:23:36 | |
Welcome back to the Master Your Style, Master Your Spending mini series, celebrating our upcoming Melbourne event this May, hosted by me, Emma Edwards, and my cohost and stylist, Maddy Forster. In this episode we're delving into your spending and buying patterns, including vulnerably sharing our own, in order to understand the cycles we might be stuck in, and how we can break them. Get your event tickets here: https://www.trybooking.com/events/landing/1379832?embed Join the Wardrobe Project waitlist here: https://mailchi.mp/7dbdeba873ab/atq5ho25bz Download Carted and start your wishlist today: https://www.carted.com/ Where to find Maddy: Instagram: @_madaboutfashion TikTok: @madaboutfashion Website: www.mad-aboutfashion.com.au Where to find Emma: Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @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. Hosted on Acast. See acast.com/privacy for more information. | |||
| Style and spending mini series: your wardrobe | 09 Apr 2025 | 00:29:21 | |
Welcome to the Master Your Style, Master Your Spending mini series, celebrating our upcoming Melbourne event this May, hosted by me, Emma Edwards, and my cohost and stylist, Maddy Forster. In this episode we're starting off in your wardrobe, exploring what we can learn from the things we already have. From what to do with those items you don't wear but can't let go of, to what we can learn from the things we do and don't feel good in, you'll leave this ep hungry to go and get stuck into your wardrobe and audit your clothes. Get your event tickets here: https://www.trybooking.com/events/landing/1379832?embed Join the Wardrobe Project waitlist here: https://mailchi.mp/7dbdeba873ab/atq5ho25bz Download Carted and start your wishlist today: https://www.carted.com/ Where to find Maddy: Instagram: @_madaboutfashion TikTok: @madaboutfashion Website: www.mad-aboutfashion.com.au Where to find Emma: Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @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. Hosted on Acast. See acast.com/privacy for more information. | |||
| FRIDAY FAVES: why do we never have anything to wear, with Maddy Forster | 03 Apr 2025 | 00:45:51 | |
Melbourne style and spending event tickets are on sale now!!! Early bird until 7 April https://www.trybooking.com/events/landing/1379832?embed In this episode I chat to stylist, Maddy Forster from Mad About Fashion about the power of finding your personal style, for your happiness, your bank account, and your confidence. This episode originally appeared as part of my 6 week group experience, The Wardrobe Project, where we hit pause on our clothing consumption and untangle our spending habits as they relate to our style. Keen to hear when the next round enrols? Join the waitlist here: https://mailchi.mp/e60be6e4205a/eyhjwar1s8 Also mentioned in this episode: I Hired a Stylist and Here's What it Taught Me About Consumption. https://open.spotify.com/episode/0zR3cFszEbKIocRVoUazHr?si=ix9wzCDYSnS-4ps3OGkOBg Where to find Maddy: Instagram: @_madaboutfashion TikTok: @madaboutfashion Website: https://www.mad-aboutfashion.com.au/ Where to find Emma Website: https://thebrokegeneration.com/ Order my book, Good with Money! Hosted on Acast. See acast.com/privacy for more information. | |||
| Explanations versus excuses | 02 Apr 2025 | 00:25:27 | |
In this episode, I dive into the critical difference between explanations and excuses when it comes to our financial situations. I explore how identifying this difference can transform our money mindset, help us take meaningful action, and prevent future regrets. By learning to shift from excuse-making to explanation-seeking, we can break through psychological barriers and create genuine financial progress. Episode Highlights:
What you will learn:
Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @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. Hosted on Acast. See acast.com/privacy for more information. | |||
| FRIDAY FAVES: mindless spending versus investing in yourself | 28 Mar 2025 | 00:27:17 | |
When are we buying to fix ourselves, and when are we "investing in ourselves"? In this solo episode I dive into the sometimes-dangerous advice I see on social media about "investing in yourself" (which is basically just fixing yourself and/or emotional spending in disguise), and unpack the differences between healthy investments in yourself and toxic pseudo investments in yourself. Then, we move onto a model you can use to explore 7 ways you can invest in yourself in a meaningful way, and side step that toxic side of self-investment. Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @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. Hosted on Acast. See acast.com/privacy for more information. | |||
| How to like yourself more PART TWO | 26 Mar 2025 | 00:35:16 | |
In part two of this slap-a-dappin episode on self-image and financial health, I explore four additional powerful strategies to build self-acceptance and stop the cycle of emotional spending. Building on the foundation laid in part one, this episode dives deeper into identifying your "fantasy self," recognising spending triggers, working with what you already own, and developing a framework to intercept negative self-talk. Discover how liking yourself more can become your financial superpower and free up mental space previously consumed by self-criticism. What you will learn:
Episode Highlights
Mentioned in this episode: The Spending Trap of Your Fantasy Self episode: https://thebrokegeneration.com/blog/episodes/friday-faves-the-spending-trap-of-your-fantasy-self/?portfolioCats=362 Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @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. Hosted on Acast. See acast.com/privacy for more information. | |||
| FRIDAY FAVES: is a lack of self love sabotaging your finances? | 20 Mar 2025 | 00:33:02 | |
Step into my time machine: for this week's Friday Fave we're going all the way back to 2023 to hear a fave ep about the link between a lack of self love and financial self sabotage, WOOF! Buckle up, it's a juicy one. When we exist in a society that conditions us (especially women and marginalised groups) to constantly pursue "better" versions of ourselves, our finances often suffer as a result. I share how my own struggles with self-esteem in my teens and early twenties led to financial leakage, and how therapy and self-awareness have transformed my relationship with both myself and my money. Highlights:
What you'll learn:
If you're stuck in a cycle of taking one step forward and two steps back with your finances, this episode will help you understand the underlying self-worth issues that might be holding you back. Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @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. Hosted on Acast. See acast.com/privacy for more information. | |||
| How to like yourself more (and be better with money in the process) PART ONE | 19 Mar 2025 | 00:36:34 | |
In this episode I explore the profound connection between self-acceptance and financial wellness. Discover why the journey to liking yourself isn't a simple switch to flip, but rather a transformative process that can revolutionise your relationship with both your self-image and your spending habits. I had SO MUCH TO SAY it's ended up being a two parter, so tune in next Thursday for 4 more ways to like yourself more. What you'll learn:
Episode Highlights:
Quotable Moments: "When you're relying on that externality, that was just a complete sinkhole of spending because there is no end there. It's just a cycle that's going to keep going around." "If you see it as a project of changing the way you see yourself, rather than just going from disliking yourself to liking yourself, it will feel a lot more manageable." Stay tuned for Part 2 next week! Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @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. Hosted on Acast. See acast.com/privacy for more information. | |||
| FRIDAY FAVES: 10 ways to upgrade your life and feel like a baddie (without spending a tonne of money) | 14 Mar 2025 | 00:27:46 | |
We all love a good actionable list, and this week I'm taking you through ten wallet-friendly ways to level up your life without burning a hole in your budget. From sprucing up your morning routine to splurging on fancy hand soaps, I explore practical strategies for enhancing your lifestyle without breaking the bank. With the current cost of living, it's never been more important to prioritise upgrades that improve your life long-term (that includes improving your happiness!). Have a listen, and let me know on socials what small thing you fit into your budget that leaves you feeling like the baddie that you are! Episode highlights:
“When is a spend lifestyle creep that is going to be damaging and when is a spend actually a perfectly reasonable expression of lifestyle elevation?" “When we're actually looking at taking care of ourselves, looking after ourselves and prioritising ourselves, we have to consider the financial component." “Sometimes having something in stock and available to you is actually a really good way to stop yourself from like having that scarcity..." Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @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. Hosted on Acast. See acast.com/privacy for more information. | |||
| 14 ways to cultivate confidence outside of clothing consumption | 12 Mar 2025 | 00:33:46 | |
In this episode I'm taking you through some advice I use in my Wardrobe Project behaviour change program about how to break the habit of buying your confidence on a rack. I spent years outsourcing my confidence and my identity to consumption, most notably clothing consumption, and it not only drained my bank account, but kept me stuck in a cycle of never being good enough. I'll take you through 14 things, from practical tips to mindset shifts, to help you embrace confidence outside of consumption. Mentioned in this episode:
Order my book, Good with Money: UK: https://www.amazon.co.uk/Good-Money-Reprogramme-Spending-Control/ Where to find The Broke Generation Website: https://thebrokegeneration.com/ Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe Hosted on Acast. See acast.com/privacy for more information. | |||
| FRIDAY FAVES: how to quiet quit unhelpful spending and consumption patterns | 06 Mar 2025 | 00:34:15 | |
In this episode, I explore the idea of "quiet quitting" beyond the workplace and how it applies to our consumption habits. Inspired by a recent newsletter on stepping back from the beauty hamster wheel, can a change in mindset help us break free from the cycle of overconsumption and superficial self-care? I share practical strategies for assessing what genuinely adds value to our lives, like simplifying beauty routines and scrutinising our purchases. From questioning the necessity of trendy beauty treatments to evaluating convenience-driven consumption, I show how adopting a quiet quitting attitude has empowered me to make more intentional choices, and you can too! Episode highlights:
“I was able to identify that the thing compelling me to pay for that, or to consider getting that treatment, was because I felt pressure that everybody else was." “All of these things are priming us to become these convenience seeking consumers like it doesn't serve us." “Is this really expressing myself? …Can I really see beyond this one decision and really can I really make sense of what I'm actually trying to do with this consumption decision." Book mentioned: Indistractable by Nir Eyal Follow for help with your fashion footprint: curatedwardrobe.au Where to find The Broke Generation Website: https://thebrokegeneration.com/ 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. Hosted on Acast. See acast.com/privacy for more information. | |||
| 9 ways to spend money like a financially confident queen | 05 Mar 2025 | 00:48:23 | |
In this episode I'm taking you through 9 practical ways to learn to SPEND money like a financially confident queen – because when we SPEND money effectively, we can do everything else much better, too. Highlights:
Mentioned in this episode: expense streamlining calculator buymeacoffee.com/thebrokegen/e/310925 Order my book, Good with Money: UK: https://www.amazon.co.uk/Good-Money-Reprogramme-Spending-Control/ Where to find The Broke Generation Website: https://thebrokegeneration.com/ Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe Hosted on Acast. See acast.com/privacy for more information. | |||
| FRIDAY FAVES: 7 mindset shifts I've undergone on my finance journey so far | 27 Feb 2025 | 01:08:48 | |
In this episode I take you on a journey through the many evolutions of my personal finances so far, through the lens of the mindset shifts and identity upgrades I've undergone going from hot money mess to financially confident and building wealth. I go through the changes I made as I:
Order GOOD WITH MONEY: https://amzn.to/4eLOi5x Where to find Emma Website: https://thebrokegeneration.com/ 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. Hosted on Acast. See acast.com/privacy for more information. | |||
| How to get dopamine from saving instead of spending | 26 Feb 2025 | 00:38:31 | |
We all know that dopamine drives our spending, whether it's impulse shopping, online browsing, or grabbing a little treat just because. That quick hit of excitement can make spending feel effortless, while saving? Not so much. But what if we could flip the script and make saving just as rewarding as swiping our card? This week, I'm unpacking how to retrain your brain to crave financial wins instead of spending sprees. By understanding the psychology behind our money habits, we can start making small shifts that give us that same dopamine rush, not from spending, but from watching our savings grow. I'm covering:
If you've ever struggled to break the cycle of impulse spending, this one's for you! Order my book, Good with Money: UK: https://www.amazon.co.uk/Good-Money-Reprogramme-Spending-Control/ Where to find The Broke Generation Website: https://thebrokegeneration.com/ Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe Hosted on Acast. See acast.com/privacy for more information. | |||
| FRIDAY FAVES: the spending trap of your fantasy self | 20 Feb 2025 | 00:36:49 | |
This week's Friday Fave is an episode on how our fantasy self shows up in our spending habits! We're unpacking the concept of the "fantasy self" and exploring how it influences our financial behaviours and spending decisions. If you've participated in my wardrobe challenges, you might already be familiar with the idea of the fantasy self when it comes to clothing. But today, we're broadening that lens to see how it shows up in various aspects of our lives. Today I'm covering:
Listen to the episode on Spending Runways mentioned in this episode here: https://thebrokegeneration.com/blog/episodes/are-spending-runways-draining-your-money/?portfolioCats=362 Where to find The Broke Generation Website: https://thebrokegeneration.com/ 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. Hosted on Acast. See acast.com/privacy for more information. | |||
| 5 things I've learned since I started tracking my spending again | 20 Feb 2025 | 00:29:49 | |
In this episode I'm taking you through 5 things I've learned since starting to track my spending again as part of running Smart Spenders Club! Highlights:
Smart Spenders Club has closed for enrolment now, but stay tuned for a potential second round later this year. Hosted on Acast. See acast.com/privacy for more information. | |||
| FRIDAY FAVES: I didn't buy clothes for one whole year, here's what happened | 14 Feb 2025 | 01:06:27 | |
Over the next 10 weeks, we're hitting replay on 10 of your most loved episodes, to give a little extra love to the eps that made the most difference in your lives and your finances throughout the four (yes FOUR!!) years of The Broke Generation podcast. First up we've got one of the most listened to eps of the podcast EVER... my round up of my year long wardrobe freeze. If you're new here, you're gonna love this one. If you've listened before, let it hit in a whole different way. Thank you so much for listening to the podcast and being a part of the gang – I so appreciate you! To celebrate the best eps of the last four years, why not share the podcast with a friend to help us reach more people!? Hosted on Acast. See acast.com/privacy for more information. | |||
| Why do we struggle to spend money once we've saved it? | 13 Feb 2025 | 00:37:15 | |
A common dilemma that plagues many of us on our journey to getting good with money is this: we finally save up some money, feel our first sense of financial confidence, finally start to feel things clicking into place... and then suddenly feel immense guilt and ickiness when it comes to spending money on things, even if we've saved up for them! This feeling is complete and utter proof of how money is NOT rational. In a purely mathematical sense, having money saved up for something is endlessly easier than living in a state of financial chaos. AND YET, so many of us save up for something for the first time ever, and when the time comes to spend that money, OOP, we feel horrible. Not cool, brain, not cool. In this episode I unpack this dilemma and explore ways to move through it and come out the other side financially confident and empowered. Highlights:
Order my book, Good with Money: Where to find The Broke Generation Website: https://thebrokegeneration.com/ 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. Hosted on Acast. See acast.com/privacy for more information. | |||
| Be your own CFO: 7 money tips inspired by how businesses work | 05 Feb 2025 | 00:37:30 | |
In this episode I'm taking you through 7 things I've learned in business that will supercharge your personal finances. Your mindset and perspective around money is super important in achieving financial confidence, and these 7 things I've picked up on since being a business owner stand out to me as things we can apply to our personal finances too. Highlights:
Order my book, Good with Money: Where to find The Broke Generation Website: https://thebrokegeneration.com/ 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. Hosted on Acast. See acast.com/privacy for more information. | |||
| How to quit emotional spending (masterclass replay) | 30 Jan 2025 | 00:57:21 | |
Get in loser we're quitting emotional spending and learning to spend our money in a way that adds to our lives, rather than lines the pockets of clever corporations – in the form of this masterclass replay. REMINDER: Smart Spenders Club late enrolment closes midnight Friday 31st Jan GMT, last chance join our inaugural round here: https://thebrokegeneration.com/smart-spenders-club/ If you enjoyed this episode and want to watch the slides that go with it, the Zoom replay link can be found here: https://us06web.zoom.us/rec/share/tIAhJgGu40-gtY4SrJxlMQq0UycCKpXnSh5bRSgDwIGmjnhU4wbAh8_zC8FsiwWq.yVaXeN4Vdc3XZAHf Order my book, Good with Money: Where to find The Broke Generation Website: https://thebrokegeneration.com/ 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. Hosted on Acast. See acast.com/privacy for more information. | |||
| This is the year you... start thinking bigger picture with your money | 28 Jan 2025 | 00:41:05 | |
Welcome to the final episode of This is the year...! This week, we're going to get you thinking BIG PICTURE with your money. I'm talking letting go of financial fears, understanding and embracing your risk tolerance, and believing in more than a life living paycheck to paycheck. Highlights:
This miniseries was created in partnership with PocketSmith: the personal finance software for all walks of life. Head to www.pocketsmith.com/thebrokegeneration to try it for yourself. Where to find The Broke Generation Website: https://thebrokegeneration.com/ Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe. Hosted on Acast. See acast.com/privacy for more information. | |||
| Is everyone doing a no spend year?! Benefits, drawbacks, alternatives, and tips for success | 23 Jan 2025 | 00:40:04 | |
Is EVERYONE doing a no spend year in 2025?! It can feel like it from looking at your social feeds, but you don't have to feel pressured to join the ranks. In this episode I unpack the trend of people vowing to their TikTok followers that they're on a no-buy for 2025, explore the benefits of changing your relationship with spending, share some alternative ways to approach bettering your spending habits, and my hottest tips for getting the most out of a no/low/mindful buying period. Mentioned in this episode
Upcoming Sydney event tickets: https://events.humanitix.com/launch-party-know-your-worth-and-good-with-money?hxchl=mkt-sch&_gl=1*dkn9mg*_gcl_au*MTI3Nzg2NzMyMC4xNzM2ODk4MDU1*_ga*MTYxOTY4Mzc4NS4xNzM2ODk4MDU2*_ga_LHKW5FR9N6*MTczNjg5ODA1NS4xLjEuMTczNjg5ODA2NS41MC4wLjA. Order my book, Good with Money: Australia: https://amzn.to/4eLOi5x Where to find The Broke Generation Website: https://thebrokegeneration.com/ 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.
Hosted on Acast. See acast.com/privacy for more information. | |||
| This is the year you...get serious about saving | 21 Jan 2025 | 00:35:35 | |
Welcome back to This is the year...! This week we're exploring ways to make 2025 the year you SLAY your savings once and for all. Saving money is one of the most life changing skills you can learn – and yes, skill is the operative word here. We expect ourselves to know how to save automatically, but for most of us, it's just not that easy. The human brain isn't wired to delay gratification. We've evolved to use the resources we have to avoid losing them, and so saving money (resources) for an undefined reason, to use on an undefined date in the future, isn't something that comes naturally to us. Luckily, there are ways we can hack our brains to make saving fun and easy, and in this episode, I'm going to show you how. Highlights:
This miniseries was created in partnership with PocketSmith: the personal finance software for all walks of life. Head to www.pocketsmith.com/thebrokegeneration to try it for yourself. Where to find The Broke Generation Website: https://thebrokegeneration.com/ Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe. Hosted on Acast. See acast.com/privacy for more information. | |||
| 25 goals for 2025 | 15 Jan 2025 | 00:47:49 | |
Welcome back to The Broke Generation! It's that time of year where I sit down and think about the year ahead, what I want to achieve, and how I plan to do it, letting you listeners in on that journey. This annual tradition is all about sharing my personal goals for the year, and 2025 is no different. If you've been here before, you know this is where I spill on everything from practical habits to big, dreamy aspirations, all with a pinch of fun and zero pressure. This year, I'm kicking off with 25 goals that are inspiring me—and maybe you—to approach life and finances with intention and creativity. Wardrobe challenges, quarterly resets, and everything in between—this year's goals are all about finding clarity and creating meaningful change. Episode highlights:
Ready to embrace your goals? Grab a cuppa and tune in. Mentioned this ep: Sophie Cliff's 'Create Your Joyful 5 Year Plan' Check out my events in London and Sydney, including my book launch and a special session with Victoria (of The Comments Section fame)! Order my book, Good with Money: UK: https://www.amazon.co.uk/Good-Money-Reprogramme-Spending-Control Where to find The Broke Generation Website: https://thebrokegeneration.com/ 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. Hosted on Acast. See acast.com/privacy for more information. | |||
| This is the year you... get financially organised | 14 Jan 2025 | 00:24:11 | |
Welcome back to This is the year... This week is one of my FAVOURITE weeks of the miniseries – getting financially organised. Is this the year you stop chasing your budget like a napkin blowing away in the wind?! YES IT IS! In this episode, I share top tips for getting your financial admin in place to set yourself up for the year ahead. Highlights:
This miniseries was created in partnership with PocketSmith: the personal finance software for all walks of life. Head to www.pocketsmith.com/thebrokegeneration to try it for yourself. Mentioned in this episode:
Where to find The Broke Generation Website: https://thebrokegeneration.com/ 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. Hosted on Acast. See acast.com/privacy for more information. | |||
| Being a "pleasure to have in class" – good for your finances, or bad? The Comments Section with E & V | 10 Jan 2025 | 00:51:59 | |
In this episode, we discuss our common personality trait of being a "pleasure to have in class" – that is, you were a pleasure to have in class as a child, and as an adult, you're hellbent on making a good impression, being polite, and rarely rocking the boat. But what happens when you DO need to rock the boat? And what happens when your inner pleasure to have in class collides with your inner raging feminist? We find out in this classically chaotic ep. Once again, please accept my apologies for audio quality. Recording on the go is not my friend. With thanks to our sponsors, Wallace Advocates and Lending Solved. Where to find Emma Website: https://thebrokegeneration.com/ 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 Hosted on Acast. See acast.com/privacy for more information. | |||
| This is the year you...find a budget that actually works | 08 Jan 2025 | 00:50:19 | |
Welcome back to This Is The Year! This week we're exploring BUDGETS – most critically, finding a budget that works for YOU. There are tons of plug and play, cookie cutter budgets out there, and while those are great for getting you started, the real magic comes when you find a money management approach that works for you and your brain. In this episode, we're deep diving on four budget strategies, and unpacking what they are, why they work, and who they're best suited to:
For each, I'll take you through the pros and cons and the psychology of who they're best suited to, so you can take elements that fit best for you. This miniseries was created in partnership with PocketSmith: the personal finance software for all walks of life. Head to www.pocketsmith.com/thebrokegeneration to try it for yourself. Where to find The Broke Generation Website: https://thebrokegeneration.com/ Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe. Hosted on Acast. See acast.com/privacy for more information. | |||
| How to choose a word for your year (and why you should!) | 08 Jan 2025 | 00:24:00 | |
Welcome back to The Broke Generation podcast! This week, we're talking all about choosing your word for the year - a trend that's been around for a while, but one I think is genuinely worth the hype. You know that TikTok sound, “In the clurb we all fam”? Well, let this be the clurb where we're all about intentional living and smashing financial goals, one thoughtful decision at a time. Picking a word isn't just a cute exercise; it's a way to set the tone for your year, helping you navigate life and money with clarity and purpose. I'll share why I love this practice, how to reflect on what you really want, and prompts to help you find your perfect word. Whether you've got one in mind or have no clue where to start, this episode will help you get there. Mentioned in this episode: Reflect & Reset: The Workshop, now available on demand! https://thebrokegeneration.com/product/reflect-reset-2024/ Order my book, Good with Money: Where to find The Broke Generation Website: https://thebrokegeneration.com/ 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. Hosted on Acast. See acast.com/privacy for more information. | |||
| On being authors, pitching books, and releasing them into the world: The Comments Section with E&V | 02 Jan 2025 | 00:46:33 | |
Hello chaos fam – welcome to the first episode of The Comments Section for 2025! In a slightly different flavour, in celebration of Victoria's book coming out, we're chatting about our book writing processes, how our books came to be, and the BTS on becoming authors. SYDNEY AND PERTH EVENT TICKETS COMING SOON! EMMA'S LONDON EVENT TICKETS
Order my book, Good with Money: https://amzn.to/4eLOi5x Order Victoria's Book, Know Your Worth: https://www.amazon.com.au/Know-Your-Worth-relationship-money/dp/1923022431 Hosted on Acast. See acast.com/privacy for more information. | |||
| How to make yourself proud in 12 month's time PLUS the power of momentum | 01 Jan 2025 | 00:32:07 | |
Welcome to 2025!! In this episode I'm unpacking the power of pride (and the momentum it generates) in your personal finances and exploring what we can do to make ourselves proud this time next year. Mentioned in this episode: Reflect & Reset: The Workshop https://thebrokegeneration.com/product/reflect-reset-2024/ Order my book, Good with Money: Where to find The Broke Generation Website: https://thebrokegeneration.com/ 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. Hosted on Acast. See acast.com/privacy for more information. | |||
| This is the year you... get debt free | 31 Dec 2024 | 00:26:06 | |
Welcome to 2025 and welcome to This Is The Year... a miniseries I created in partnership with PocketSmith. Each Wednesday in January, I'm unpacking a money goal you might have, and exploring how we can make this year the year you achieve it. First up, we're talking getting debt free. In this episode, I'll walk you through some popular debt payoff strategies, explore the psychology around debt repayment, and how you can find a route to debt freedom that works for you. This miniseries was created in partnership with PocketSmith: the personal finance software for all walks of life. Head to www.pocketsmith.com/thebrokegeneration to try it for yourself. Where to find The Broke Generation Website: https://thebrokegeneration.com/ 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. Hosted on Acast. See acast.com/privacy for more information. | |||
| End of year guided money reflection | 27 Dec 2024 | 00:28:54 | |
Welcome to the annual end of year guided money reflection! Settle in with a cuppa, a notebook, and an open mind, and get ready to reflect on 2024. By looking back on what the year has held for our finances, we're able to set better goals for 2025 by meeting ourselves where we're at, doing more of what's working and less of what's not. Plus, by zooming out and looking at what this chapter of our money story has included, we can approach 2025 from the position of writing a better chapter than the last, while embracing the lessons learned from the year just gone. If you want more reflections and support extracting your key goals for 2025, grab access to my annual Reflect & Reset two part workshop. Part 1 was delivered live earlier this month but you can still grab the replay, and part 2 will be delivered on-demand to your inbox on January 6th 2025, for you to devour whenever you're ready to kick off the year. Tickets here: https://thebrokegeneration.com/product/reflect-reset-2024/ Also mentioned in this episode:
Order my book, Good with Money: https://amzn.to/4eLOi5x UK Preorder competition: win a Dyson Airwrap! https://www.johnmurraypress.co.uk/landing-page/good-with-money-pre-order-competition/ Where to find The Broke Generation Website: https://thebrokegeneration.com/ 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. Hosted on Acast. See acast.com/privacy for more information. | |||
| Reflecting on our year and closing out 2024: The Comments Section with E & V | 26 Dec 2024 | 00:31:00 | |
Welcome to our final episode of 2024! I can only apologise if the audio is a little dodgy in this ep – classic case of not realising there was an issue until it was wayyyyyy too late. Nonetheless, all part of the chaos you know and love. Thanks for tuning into The Comments Section this year! Save the date on Thursday 6th February in Sydney CBD for a fun IRL event that you're gonna love! Have a happy and safe new year, and as Victoria Vivente says: wear your seatbelt. Over and out.
Hosted on Acast. See acast.com/privacy for more information. | |||
| How money anxiety can make you overspend and underspend: The Comments Section | 19 Dec 2024 | 00:37:14 | |
Welcome back to The Comments Section with your favourite chaos queens, Emma and Victoria! This week, we explore how money anxiety influences your spending habits, whether it’s splurging out of stress or holding back when you shouldn’t. We also unpack the importance of celebrating life’s non-traditional milestones and how viewing your life like a business—with a mission, values, and strategy—can help you take control of your finances and choices. Episode highlights:
If you’ve ever struggled to manage your money or felt unsure about celebrating your wins, this episode will leave you inspired and equipped to rethink your approach. With thanks to our sponsors, Wallace Advocates and Lending Solved. Where to find Emma Website: https://thebrokegeneration.com/ 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 You can pre-order Victoria's book here: Know Your Worth, Victoria Vivente (9781923022430) — Readings Books Hosted on Acast. See acast.com/privacy for more information. | |||
| Year in review 2024: life, money, business (part two) | 18 Dec 2024 | 00:56:52 | |
Part 2 of the annual year in review is here - tune in to hear what went down in my life, money and business in July - December, and how I'm feeling as the year draws to a close. Mentioned in this episode:
Order my book, Good with Money: https://amzn.to/4eLOi5x UK Preorder competition: win a Dyson Airwrap! https://www.johnmurraypress.co.uk/landing-page/good-with-money-pre-order-competition/ Where to find The Broke Generation Website: https://thebrokegeneration.com/ 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. Hosted on Acast. See acast.com/privacy for more information. | |||
| The complex case of convenience: to spend or not to spend? The Comments Section with E&V | 12 Dec 2024 | 00:28:17 | |
In this episode of The Comments Section, we explore the complexities of convenience and how it influences our spending choices. With the rise of modcons (modern conveniences, yes it's a real term!), we ask when paying for ease really adds value and when it’s just a clever marketing trap. We weigh the cost of time saved against the convenience of tech, gadgets, and delivery services, questioning if they truly solve our problems or create new ones. We also share practical ways to create convenience on our own terms, without the hefty price tag. From rethinking the convenience of certain purchases to offering simple, budget-friendly solutions, we share ideas on how to simplify life without sacrificing quality. We want to know—what’s your ultimate modcon? Hit us up on socials and let us know! With thanks to our sponsors, Wallace Advocates and Lending Solved. Where to find Emma Website: https://thebrokegeneration.com/ 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 Victoria has also been a busy bee and written a whole damn book! You can pre-order here: Know Your Worth, Victoria Vivente (9781923022430) — Readings Books Hosted on Acast. See acast.com/privacy for more information. | |||
| Year In Review 2024: life, money, business (part one) | 11 Dec 2024 | 01:03:36 | |
It's here! The annual year in review episode where I take you on a journey through what 2024 has held in life, money and business. This is part one, January - June. Tune in next week for July - December! Mentioned in this episode:
LONDON EVENT TICKETS
Order my book, Good with Money: https://amzn.to/4eLOi5x UK Preorder competition: win a Dyson Airwrap! https://www.johnmurraypress.co.uk/landing-page/good-with-money-pre-order-competition/ Where to find The Broke Generation Website: https://thebrokegeneration.com/ 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. Hosted on Acast. See acast.com/privacy for more information. | |||
| Hot parents = richer kid? + When can you say you're good with money? The Comments Section with E&V | 05 Dec 2024 | 00:32:59 | |
Welcome back to The Comments Section! In this episode, we unpack what it really means to be good with money. Is it the numbers in your account, or is it the behaviours and attitudes you cultivate along the way? Inspired by personal stories and fresh insights, we explore how saving alongside debt repayment can rewire your relationship with money and why financial success is about progress, not perfection. From redefining financial goals to embracing the idea that change happens in the doing, this conversation will challenge how you measure worth and success. Plus, Victoria shares the scoop on her upcoming book, Know Your Worth, a deep dive into healing your relationship with money and yourself. You can pre-order here: Know Your Worth, Victoria Vivente (9781923022430) — Readings Books Episode highlights:
With thanks to our sponsors, Wallace Advocates and Lending Solved. Where to find Emma Website: https://thebrokegeneration.com/ 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 Hosted on Acast. See acast.com/privacy for more information. | |||
| Goal review: 24 goals for 2024 | 04 Dec 2024 | 00:48:54 | |
It's December and you know what that means – REVIEW EPISODES ARE BACK! Settle in as I take you through my 24 goals I set for 2024 and whether I achieved them, failed colossally, or changed direction altogether. Order my book, Good with Money: https://amzn.to/4eLOi5x UK Preorder competition: win a Dyson Airwrap! https://www.johnmurraypress.co.uk/landing-page/good-with-money-pre-order-competition/ Where to find The Broke Generation Website: https://thebrokegeneration.com/ 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. Hosted on Acast. See acast.com/privacy for more information. | |||
| Why are manicures so good but so bad + are vitamins a scam? The Comments Section with E & V | 28 Nov 2024 | 00:38:52 | |
Welcome back to The Comments Section! Emma and Victoria are dishing out another snack platter of chaos, starting with the glittering promises of the vitamin industry. From “energy boosters” to “skin saviors,” we’re pulling apart the marketing fluff and sharing our real experiences (spoiler: we’re still waiting for that miracle transformation). Are these pricey pills worth it, or is your fantasy self buying into the hype? Then we switch gears to the manicure paradox - the love-hate cycle of salon nails. DIY gel kits, builder gels, and pro shaping skills - what’s really worth your time, energy, and coin? Plus, we talk about finding a balance between aesthetics and practicality, whether it’s sticking with simple staples or treating yourself to the occasional indulgence. Grab your Sicilian olives and settle in for a zesty chat! With thanks to our sponsors, Wallace Advocates and Lending Solved. Where to find Emma Website: https://thebrokegeneration.com/ 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 Victoria has also been a busy bee and written a whole damn book! You can pre-order here: Know Your Worth, Victoria Vivente (9781923022430) — Readings Books Hosted on Acast. See acast.com/privacy for more information. | |||
| Black Friday 2024: 5 practical tips + 5 mindsets to embrace + 5 traps to avoid | 26 Nov 2024 | 00:45:18 | |
The annual Black Friday episode is hereeeeee and I have got a juicy episode to help you stay financially savvy this sale season. Sales have started earlier than ever this year, so I'm dropping this episode slightly early to help you navigate it. I take you through some of the research and predictions about Black Friday 2024 spending, and then share 5 practical tips, 5 mindsets to embrace, and 5 traps to avoid. Highlights:
Mentioned in this episode: Join TopCashback for a $10 cashback bonus: https://www.topcashback.com.au/ref/thebrokegen Join ShopBack to get cashback on your purchases ($5 bonus in new user challenge): https://app.shopback.com/6HkWpKKpPOb Order my book, Good with Money: https://amzn.to/4eLOi5x UK Preorder competition: win a Dyson Airwrap! https://www.johnmurraypress.co.uk/landing-page/good-with-money-pre-order-competition/ Where to find The Broke Generation Website: https://thebrokegeneration.com/ 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.
Hosted on Acast. See acast.com/privacy for more information. | |||
| The danger of "popping" somewhere + should you quit your toxic job? The Comments Section with E&V | 21 Nov 2024 | 00:29:49 | |
In this episode, V and I talk about the importance of planning and being intentional, whether in your day to day, or your wider life. Highlights:
With thanks to our sponsors, Wallace Advocates and Lending Solved. Where to find Emma Website: https://thebrokegeneration.com/ 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 Hosted on Acast. See acast.com/privacy for more information. | |||
| The mindset of your future self, with Kira Matthews | 20 Nov 2024 | 00:54:35 | |
While on my whirlwind UK adventure, I had the chance to catch up with Kira Matthews, a very popular previous guest on the podcast. Kira, a mindset and manifestation coach, is back to share more of her practical wisdom on bridging the gap between who we are now and who we want to become. In this episode, we unpack how to rewrite the narrative of your life, focusing on understanding your identity and making intentional, incremental changes. Kira explains why overnight transformations often fail and highlights the value of embracing discomfort as part of growth. Together, we’re tackling perfectionism, reframing limiting beliefs, and building the confidence to move forward. If you’ve been feeling stuck or unsure how to take the next step toward your goals, this episode is packed with insights to help you start rewriting your story today. Episode highlights:
“When I think about changing your story, it's about suddenly being aware of all of these characters, this setting, this scene, this story, the beginning and the end, and saying, actually, I want something new." “Perfectionists avoid trying to do something the first time because they’re attempting to navigate that inner critic - that’s so out of control." “Co-working spaces have been really good for me—being around people who are also self-employed—because otherwise it’s so isolating, and you do feel like you’re wrong." Missed the previous episode with Kira? Check it out here or search for Episode 61 ‘Can you really manifest money? A no BS guide to manifestation, with Kira Matthews’. Where to find Kira Matthews Website: https://www.kiramatthews.com/ No Room For Doubt Podcast: https://www.kiramatthews.com/podcast Instagram: https://www.instagram.com/kirathebold/ Where to find The Broke Generation Website: https://thebrokegeneration.com/ 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. Hosted on Acast. See acast.com/privacy for more information. | |||