Kel Galavan

And this is not about betting the horse on red or black, right?

This is about understanding it.

It is a skill that you learn.

And when you learn the skill, it's not near as scary because you can go, you know what, I'm going to put a bit of money into this ETF or this whatever because it makes sense to me, because it's a snapshot of the world, because it's in an area that I really think is going to do very well because I've done my due diligence.

You're not just doing this and then just throwing your money.

We don't want that.

We want you to be comfortable with it and have it as just another skill, another string in your bow.

You know, we're just in that...

We're just human that way.

So when it comes to money, you could have somebody and they might get a pay rise and they might go, they're really happy.

It was like a 5% pay rise.

Like that is so cool.

And they're delighted with themselves.

And they're delighted with themselves because maybe the average pay rise is 2%.

And we start comparing ourselves.

And then it turns from a feel good experience to a stressful experience.

And we start doubting maybe our ability or the manager doesn't like me or all these kind of things.

And when you do that, that begins this spiral.

And that can cause a lot of actual, the fallout from that, a lot of negative thoughts around our money.

I'm not good enough.