The Money Lessons We Were Never Taught (And How to Catch Up in Your 20s and 30s).
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What is the main topic discussed in this episode?
You now have over 100k invested. I'd love to speak about your particular investing strategy.
I'm not really frugal in any way. I'm intentional and I'm conscious with my spending, but I'm not frugal. You know, don't buy coffee out, don't do whatever. Retirement is not an age, it's a financial state.
Oh.
investing for the long term is like walking up stairs with a yo-yo so your yo-yo is going up and down but generally because you're walking up the stairs it's trending up like we all get negative feelings if you feel like you're behind or if you feel like you're jealous of something it's about how you decide what to do with those feelings I think my sister she doesn't want her little sister telling her what to do it's It's a confronting moment when you've got someone being like, I think you should do this. I want you to do this.
So we asked your sister to send a voice note and just to explain her aversion to it.
When I got to a certain age in my mid-30s, I was thinking, goodness, I probably should have done X, Y and Z. By this time, I've been maybe left out of a conversation, but also chose to be left out of that conversation because of the taboo circling around personal finances.
Kira, thank you so much for joining us. I am really looking forward to this episode. Just to preface for anyone listening, if you follow Kira on Instagram or socials, she's got an amazing platform. If you don't, highly recommend. What is the handle?
So on TikTok, it's Kira underscore underscore Anne with an E on the end. And then on Instagram, it's Kira underscore underscore underscore Anne, just because Kira Anne was taken. How annoying. I know. I'm fighting to get it. I'll get it one day.
We may need to spell Kira.
Kira, yeah. So it's Irish and it's spelled C-I-A-R-A, but it's pronounced like Kira, like Kira Knightley. Yes. It's a bit of a funny one.
Today what we wanted to discuss is everything about how you came to being in the space creating such amazing content and inspiring so many people to start creating. paying attention, learning about investing. The way that you talk about investing and the decisions that you make with money, I think, are just so simple and straightforward. And so, yeah, I actually must say, I find your voice also very calming. Thank you. Like I often watch your videos and I'm like, I think it has a bit of an ASMR effect on me. Yeah.
I mean, if this doesn't go well, maybe that's the next thing.
Huge money in ASMR. But I'd love to start this conversation by just asking, why do you think... And this is something we've spoken about off mic as well. Why do you think that women particularly are almost expected or perhaps lean more into this idea of playing dumb when it comes to money? I mean, can we just talk about where it's come from and why it's still so prevalent, particularly in the UK? Because I feel like it's worse here than Australia and New Zealand.
I kind of agree. I think there's layers to it. The first layer is, I think the UK find it very, very taboo, still very stiff upper lip about it. But then in terms of women, now, I wrote a sub-psych article on this, but up until 1975, women couldn't get a credit card, they couldn't get a loan without their kind of husband or father's signature, even if they were earning more money than them, which is pretty crazy. And if you think about that date, that was 51 years ago. And so I sometimes think that we're a bit harsh on ourselves. Women just haven't been involved in this conversation for a long time. Like my mum was born in the 1960s. When she was born, women weren't able to have any financial agency whatsoever.
So I think the first start is that we don't necessarily have the role models for that because we as a generation are probably one of the first like financially agentic women. So it's pretty historical that we've not had that kind of ability to... To learn about finance.
It's really odd to me when I think about that because I don't know if it's because when you're in your own echo chamber or all you've experienced is the life that you have, which is...
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