Gemma Mitchell

Yeah, well, they're very different and it just depends on which stage you're at.

So when you're listening and you're consuming information and education, it's very easy to, like we're in a day and age where you can access so much information.

There's great podcasts like this, there's books, there's lots of resources and you're learning, but it can be really hard for people to then put those learnings into action.

So we always try to have a really practical way

takeaway for people to do with any of our education, right?

But there can still be some hurdles.

So you could be very much a self-starter and get all of your knowledge and your education and be able to put that stuff into practice, which is great.

On the flip side of that, you might be at a level where you don't have the expertise or the experience and you want to outsource that and you want to be dealing with a financial advisor who is an expert and they're going to provide you exact strategies on how to meet your goals.

So there's kind of those two spectrums.

You're DIYing, you're learning, you're doing things yourself.

And then on the opposite side of the spectrum, you've got a financial advisor, an expert who is saying, based on your goals, here is the plan.

Let's work to this.

Then in the middle ground is now something called money coaching, where it's like education, information, education.

helping you soundboard ideas and maybe work on some aspects of your finances without giving you a recommendation, without giving you a, you need to change your super to this super fund, invest in this, put this much away.

It's more that you've been doing things yourself and you need to bridge the gap between maybe I can't do this on my own anymore and where can I get some support?

So I think it's a spectrum and it's not that one replaces the other.

I think you need a bit of everything.

They're just at different times of your financial life, different seas

Okay.

Absolutely, the laughs.