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Two Broke Chicks

Tiny Habits Costing You Over $10,000

15 Jun 2026

Transcription

Transcript generated automatically by AI and may contain errors.

Chapter 1: What is the main topic discussed in this episode?

0.031 - 5.839 Alex Hourigan

This podcast is recorded on Gadigal land. Always was, always will be Aboriginal land.

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12.957 - 31.142 Sally McMullen

Hey chicks, I'm Elle. And I'm Sal. And this is Two Broke Chicks, the show that shares life lessons and tips to help make you rich in life. And I'm very excited for today's episode. Me too. It's actually a little bit of a longer one, but for good reason. Because we're talking the tiny habits that cost you over $10,000.

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34.507 - 35.429 Sally McMullen

Yeah.

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35.83 - 38.998 Alex Hourigan

I'm imagining you being Dr. Evil with a little pinky.

39.018 - 47.057 Sally McMullen

Do you know what my favorite thing about us is? Is that like there's references that we like are so locked into, but they're references from our childhood that we experienced separately.

47.117 - 48.06

That we've never discussed.

48.08 - 51.849 Sally McMullen

Yeah, but it was like jokes within our own like families and childhood.

52.23 - 52.33

Yeah.

Chapter 2: What are the tiny habits costing you over $10,000?

63.555 - 64.096 Alex Hourigan

I think so.

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64.476 - 66.699 Sally McMullen

Yeah. I believe so. I know so.

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67.139 - 68.441 Alex Hourigan

In my heart of hearts.

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68.461 - 70.664 Sally McMullen

Yeah. I had never seen my birth certificate.

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71.585 - 73.087 Alex Hourigan

Do you know where your birth certificate is?

73.107 - 73.347 Sally McMullen

No.

73.808 - 79.175 Alex Hourigan

Do you know where yours is? Yeah. I don't know if I even have one. You know, I wouldn't be able to fall asleep if I didn't know where it was.

79.195 - 101.701 Sally McMullen

Do you have your birth certificate? Yeah. When I moved out of home, I took it with me. I think it's for the best that it doesn't come with me. Yeah, that's fair. I think it's for the best that it stays in a little filing cabinet in the study, in my mummy, in my daddy's. Your mum's got it locked down. Yeah, 100% framed. Wow. Yeah. But before we get into the episode, obsessions of the week.

102.742 - 124.675 Alex Hourigan

My obsession of the week is that did you know that singing reduces anxiety? I know. This is not like the best news ever for us. That is great news. Yeah. Do love that for us. Yeah. And it's backed by science. So singing and humming physically stimulates your vagus nerve, which essentially then tells your body it's time to relax.

Chapter 3: What is the convenience tax and how does it affect spending?

1591.189 - 1601.726 Alex Hourigan

Yeah. But I think that's the wild thing is that the average is 3.7, but I'm like, I definitely have way more than that. I definitely have way more than that. I probably have, like, three times that many.

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1601.746 - 1603.81

I reckon I have, like, eight at least.

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1604.03 - 1620.934 Alex Hourigan

Yeah. Yeah, it's definitely time to do another order. And... Like you said, it can seem like a really daunting task and because it is one of those things where you're like, I don't fucking know how many I have. I don't even know where to begin. But when I did do it at the beginning of the year, it didn't take me that long.

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1621.134 - 1622.015 Sally McMullen

It took like an hour.

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1622.035 - 1634.311 Alex Hourigan

Yeah, if that even. Like it really didn't take that long. And I think for me the golden rule is that if I haven't used it in six months or more, it's time to let it go, maybe even three months in some cases.

1634.431 - 1637.415 Sally McMullen

I also think a good tip is to just cancel all of them

1637.733 - 1639.195 Alex Hourigan

And see which ones you actually want again.

1639.215 - 1641.919 Sally McMullen

And then see which ones you go back to and want to use.

1642.36 - 1660.365 Alex Hourigan

Yeah, because you'll be like, oh, what do I miss? Like what do I actually reach for and use? And because I've also been – sometimes I'll have something open and then I have other people who are on the account and like they're using it but I'm not. So I've been like –

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