Mel Browne

And in an age of declining financial literacy, more and more I think we grab hold of things because we lack the knowledge.

So we grab on to those things, not necessarily knowing where they've come from.

And I think that's freeing because then you get to choose what you want to believe and what you want to have going forward and reduce, absolutely remove that limiting belief that has potentially held you back.

That's a problem for future me.

Yeah, yeah.

Can't take it with you.

I think it's a number of different ways.

So I think there will be some seasons where you might be a miser because you're going for a really short-term goal that you're really excited about and you're happy to suffer in the short term.

So I kind of talk about sprints and marathons and we can't run a marathon forever and we can't go at the pace that a sprinter will forever.

So it's having a long-term goal that you're really excited about and

And that would include things that you might want to do in the short term.

Okay.

And if you've got a short-term goal such as, let's just pick an obvious one for Australia, to buy your own home, then you may want to deprive yourself for 12 months or 18 months because you're so excited about that.

You might not be happy to house sit and pet sit and not spend for 18 months.

But you don't want to do that.

full time.

And I think that's why it's important to understand there's sprints and marathons.

We don't always want to be sprinting, but also I don't want my future.

I don't want to have such a good time today that my future self is in a caravan drinking cask rosé, having to wear hand-me-down Crocs.

Like I'm not interested in that for her.