Money, Anxiety & Safety with ALPHA SCHULTE

Money isn’t just numbers on a screen.

It’s safety.
It’s survival.
It’s identity.

And for many people, it’s also ANXIETY.

In this episode of The Anxiety Compass, Sammy and Natalie are joined by Alpha Schulte from Money Made Simple to unpack the often unspoken relationship between money and the nervous system.

Because financial stress isn’t just about budgeting harder or earning more.

It’s about how safe your body feels when it comes to money.

We explore:

✨ Why money can trigger anxiety, even when things are “fine”
✨ The link between financial habits and your nervous system
✨ How survival mode shows up in spending, saving, and avoidance
✨ Why more knowledge doesn’t always equal better money decisions
✨ The emotional weight of money, especially for women and business owners
✨ How to start creating financial safety from the inside out

This is not a conversation about spreadsheets. No thanks!

It’s a conversation about what money represents in the body.

If you’ve ever felt overwhelmed, avoidant, or emotional when it comes to money… this episode will help you understand why.

And more importantly, how to start shifting it.

🎧 Listen now and begin building a relationship with money that feels steady, safe, and aligned.

Alpha Schulte

https://www.money-madesimple.com.au/
https://www.instagram.com/alphamoneymadesimple/
https://www.linkedin.com/in/alphaschulte/

PROSPERESS APP

Transcript

SPEAKER_03 0:03

It's Annie and Natalie here, and welcome to the anxiety conversation. Where anxiety isn't the enemy, it's our tool guide. We'll swap the stories, share tools, and have a laugh while we find our way back to true north. Come along.

SPEAKER_04 0:32

Hello everyone, and welcome back to another episode on the anxiety compass. Uh, today is a very special episode. We have our first ever guest. How exciting is that?

SPEAKER_01 0:46

We are so excited. This is amazing.

SPEAKER_04 0:49

I know, and she's amazing. Uh, today we actually have Alpha on, and she is here to join us to talk all things, and this is a big topic I found in clinic that would set off the nervous system and that panic and worry is money, money, money, money. Money. What do you think of money, Nat? Does it bring sort of like a little bit of anxiety? Like, I guess a lot of people look at money differently. Some people love money, and it's like they're top value, and some people think money's and it brings out a yucky sensation and feeling in their body.

SPEAKER_01 1:22

So um Yeah, I I've yeah, I do have a bit of anxiety around money. Oh, well, it's gonna be a hangover from in my past, which I've actually been working on myself.

SPEAKER_04 1:33

So well, today's episode is gonna be great. Welcome to the podcast, Alpha. Yay! Thank you.

SPEAKER_00 1:39

I'm very honored being the first guest. My goodness.

SPEAKER_04 1:42

I know it's very exciting. Yeah, well, you've got to start somewhere. We picked a great, uh great guest. Uh so just before we go into the topic, which is uh gonna be fantastic, maybe you can just share with our audience a little bit about what you actually do.

SPEAKER_00 1:57

Yeah, sure. So I've I've sort of tossed around with a few different like labels. I'm not very great with labels, but um, the most recent one is Wealth Educator that's all come to be, which it's um very much born out of my own journey. I um I grew up in a family when you talked Natalie about, you know, stuff from childhood, we all have stuff, and you can pretty much blame your parents for everything. Uh, but we're we're gonna like narrow that down into the money space today. So we can blame them for all our money stuff too. Um but yeah, so but I actually started out as a corporate tax accountant, which sounds quite like uh I actually had somebody the other day when I said that, like, but you don't seem like an accountant. I was like, well that's why I'm not one anymore. Um, but I realized I didn't really know much about personal finance because we don't get taught it. We're observing all of the sort of the stuff that we probably all the bad habits, really. Um, and there was a certain degree of I have no idea what to do. And I felt the guilt thinking I should because I was an accountant dealing with numbers. So yeah, so I then went on my own personal journey to try and sort of learn about money, which I realized was harder than it should be. Um, and then it took me probably about 10 years of going to various seminars. I even hired a financial planner that wasn't the right thing for me for a variety of reasons. Um, but I was also on a personal development journey on the same at the same time because I'm you know, in our 20s, we're like, what's my purpose? Why am I here? What am I doing? And then, you know, all the identity shifts that happen along the way. So I did a lot of study and learning in that too. So I sort of bring the two together in how I work with my clients um to help them understand money. So I my my main philosophy is I'm not gonna do it for you. I will show you what to do, work through all of the stuff to give you the tools to deal with it, and then understand how to make managing money as simple as possible and to systemize and automate it as much as possible as well.

SPEAKER_04 3:46

Ah, that is that is so important. The simplifying, simplifying. I get I actually get like a hot flush and my hat because we've got a construction business as well, and I do a lot of the finances for that. And I say it in my heartbeat often, like, why do you have me doing the finances whenever I work with tax and and numbers? I get like this uncomfortable feeling, I don't like it, and it just consumes me. So making it simple and understanding it and definitely like digging down and finding out why I'm reacting, what's triggering me, yeah, is um helped a lot. I've changed my relationship with money a lot in the last few years. So for our listeners, I I want to sort of put a sort of reflection in. When you think about money, does your body feel calm? Does it feel like neutral? It doesn't really mean much to you, or do you start to tense up when we start talking about money? Especially if you're a business owner, that can be a really touchy subject. And um, even looking at your bank account, that can bring so much sadness and anxiety and worry and losing sleep, that's a big one as well.

SPEAKER_01 4:51

Absolutely. A lot of people actually avoid looking at their bank account, yeah, because they just don't want to see what the reality is.

SPEAKER_04 4:59

So, with everything that you sort of learnt along the way and working in with the clients that you do, do you find why does money sort of trigger anxiety for so many people? Like you said, it's often something we pick up from our parents. Are you able to go a little bit deeper into that?

SPEAKER_00 5:15

Yeah, sure. So while it's parents as well, there's also a deeper, it's generational, and for women in particular, it's gender. So if we look back in history at the amount of control or lack of control that we've had over our own ability to manage money, um, there's just this perception that we're just not good at it, that men are better at it. And there's there's a certain, because there's that providing kind of um energy and even the hormonal side of it for men, the money kind of becomes a providing thing. So that that's like the built-in thing. Whereas for women, we're more the nurturers, we have to make sure that everything else works, and the money is while it's the tool to do that, we've got to be aware of all of everyone else's stuff, making sure it's all working, so that there's a lot that goes into it. And then so because of I think that level of complexity and the the sense of emotional responsibility and overwhelm, we're already in that state. So then the idea of piling money on top of it, it just tips us over the edge. So it's not necessarily the money itself, it's everything else that a woman in particular manages that then makes money feel even more intimidating because we feel like we've got to know what to do, but then we don't get taught what to do. And then there's this fear around how do we actually do it for us because everybody's situation is slightly different. Um, so all these cookie cutter ideas that we get sent out, you know, we've all got a we save for a house, we you know, we take on a loan for a car, we get a credit cover that's like we do all these things in sequence, but that's not actually necessarily the best way to do it. And everybody has their own family unit. There's all blended families now as well. So money management is not as I'm gonna use the inverted comma straightforward as it used to be, even though we probably didn't think it back then either. Uh and we have kind of acknowledged all of that and recognized that there's a whole lot going on, and money is just a more of an agitator than anything else.

SPEAKER_04 7:12

Yeah, yeah. I see growing up, I don't know if this is the same for you, Nat, but money played two roles. Money, because I grew up right with a single parent, and money was hard to come by. We were struggling, and but uh the other half of my family had a lot of money, and they would just waste it on stupid stuff, and and it would kind of be like, okay, even though we're struggling, money's evil kind of you know, it does bad things, it makes you inauthentic, so to speak. Where you know, now I think money can be safety, like money can do so many things, and it's it's more like energy now, like running your own business. I used to always just want to give everybody everything for free because I wanted people to like me, and um, I kind of pushed money away from me. I never sort of attracted it in that way. Did you ever find that with business, Nat? Like you used to discount things because you felt you weren't worthy enough of bringing in that extra money. Uh no.

SPEAKER_01 8:15

Because I'd already, but you know, don't forget, I'm also 20 years older than you. So I've already been on that money journey. Um I still have blockages, or I did have something, it's a it's a work in progress of how many people I would have come into my clinic. So that's where the blockage was. So it wasn't the I I've knew my worth as to what I charged, but my energy was blocking how many people would come in. So it so it was the same thing, but a different method, I guess, different formula, but the exactly the same outcome. So it's so interesting.

SPEAKER_04 8:56

Alpha, do you find like I find when I talk to men about money as opposed to women, they talk about it so differently. And I when you were talking about that it's a it's a woman's problem a lot of the time, I find women are so emotionally connected to to what they do and their worth and their value that they don't feel worthy when they're not, you know, bringing in that money and they measure that, you know, by their income in some ways. Do you find that's more women than men?

SPEAKER_00 9:28

Yes, it's interesting because I when I first started doing what I was doing, I if I was having a conversation with a man, he was all about crypto. That was what he wanted to talk about. And I was like, I feel like it's more repartee than anything else. I felt like there was this inner person just busting to ask questions, but they just didn't want to because of the perception of it. Uh, whereas women, while we we have this, we have a certain degree of fear about it, we do talk and we do share. So it's becoming more of a conversation now than it ever used to be, which is good. But there's still a lot of shame around the wanting of money. Um, there's this perception that it's greed, you know, to I want I want money, or I'm doing this, I'm charging for something that comes maybe somewhat naturally from something that I enjoy or that I love. But that's okay because ultimately, unless we're paying money for something, we don't necessarily value it either. So there's trying to get your head around that, and I had to get my head around that as well. So it's like, oh, but I just I just want everyone to know this. I just you know, and then you're like, well, take it all. Yeah, that's it. Like, you know, everybody, and then then I realize not everybody actually they may want to know it, but they don't really want to know it. So they might need to, but they don't want to. Um, so but yes, the conversation. But when I work with couples, because I often then work, if I'm working with a woman and she's in a in a partnership, a marriage, or even a business partnership, it's important to bring that partner on the journey to make sure there's alignment there, and understanding the stories where things came from is important. Uh, and looking at your core values is good too. So then you can kind of compare, you know, where each other's coming from. Like, I've had a coup had a couple of sessions where the the husband will be like, Oh, really? That's that's what that's what's you know, that's how it's working for you or what you feel. And she's like, Wow, this makes it so much more like clearer as to why you're behaving the way you do. Yeah, have that better, those better conversations. So there are differences between men and women.

SPEAKER_04 11:17

Yeah. Just going back to anxiety again. I found, and I don't know if you agree with me with this, Natalie, but or Nat, what feels me calling you Natalie. Natalie, um Samantha. I find you, that um my hubby has given me great insights because he obviously has a different relationship with money growing up and all that. But he has said to me with my business, don't be afraid of the numbers. Like, if they're not great, that's not a bad thing. He said, clarity reduces that that panic and that worry. And so writing down your numbers gives you a better plan, regardless of whether your business is bringing in money or not, because you might not want to look at that because you don't want to see that you're a failure. He's like, but actually writing down everything and knowing your numbers rather than guessing it gives you more of control um versus empowerment. You know what I mean? And I was just like, wow. So when you see people like that, what what's the sort of the first step that they can take to reduce that overwhelm? Like for me, it was knowing my numbers, right?

SPEAKER_00 12:26

Yeah, yeah, visibility is important. Um, so I try I I tend to, depending on what the situation of the person and where they're coming from, uh clarity or visibility, depending, and they kind of have to iterate a bit as well. So visibility over the numbers, so being able to see them, because quite often we will build up the issue in our minds to be bigger than it potentially is. So, you know, we there I remember years ago when I went to a John Di Martini um uh seminar and he said what fear, there's there's a number of different sort of acronyms now that people have said for fear, but it's like future events appearing real. We have this idea in our heads of what the future will be or what what what we think money will be or what it will look like, but we don't actually know. So what getting visibility over our numbers is good because sometimes it's better than we think it is, the situation, sometimes it might not be.

SPEAKER_04 13:15

Then we need to like to Matt and I like to catastrophize things and situations too.

SPEAKER_00 13:21

And our brains are wired for survival. So, you know, we we have to kind of think of all the worst-case scenarios so that we can you know try and avoid the saber-toothed tiger or you know, go down the path that's that's going to be safer, you know. So this it's natural, it's back to our you know, generational groups as humans. Um, but then getting clearer on well, what do we want money to actually give us? And I find this is a big one. Whenever I ask my clients, well, what do you want money for? And they just look at me blankly. I'm like, um, I've never really thought about that before. And I was like, yeah, so what kind of life do you want? Do you want the jet and the yacht um and the you know the the holidays by the Riviera? Like, is that what you want? And they're they're like, No. I was like, okay, so you might think in your mind that you've got to aim for at least the amount of money that would fund that kind of lifestyle when in actual fact what you actually need is this. So the gap between where you are now, because you need to know what that is, and then where you're heading, is actually not that big. But we don't know what that is until we get clear on what it is that we're actually aiming for in the time frame that we want it in. I had clients recently where they're about uh late late 30s and they wanted to retire by the time they're 45. But at the moment, it's it could be realistic, but they weren't doing the right things to get them there. And as soon as they saw that, they're like, Oh, okay, right. So we do this, this, and this. And I said, Yeah, okay. So then they could they could get clear on what steps they needed to take without sacrificing life too much. That's the other thing, too. When we think about money, everybody talks about oh, cut out your daily coffee or you know, whatever it happens to be. And then you know what happens when you're on a diet after a while. You a little boy that you have left, yeah, and then you bust out and you completely ruin the diet, then you feel guilty that you've ruined it, and so you're like, oh, it doesn't matter anyway. I may as well just let myself go because I've ruined it anyhow. Money is very similar. So if we can strain ourselves too much for too long, we'll just like bust out and then overspend, feel guilt, and then go, oh, what's the point? My budget doesn't work, I can't stick to it anyway.

SPEAKER_01 15:21

So what I think also it's when you when you're in that sort of mindset of, you know, oh, cut out the coffees here and do that, it's reiterating into our nervous system that sense of lack.

SPEAKER_00 15:34

Yes, it's worth it. Absolutely.

SPEAKER_01 15:36

You know, because we you're removing that money from circulation, we don't deserve it exactly, and we're removing it from the circulation, then aren't we? Yeah, you know, from the physical circulation of money, but also the energetic, you know. So that's uh I think that's a really powerful um statement that you just made, you know, observation.

SPEAKER_04 15:55

My key takeaway from that, Nat was that we can continue our match a latte catch-ups. Um we absolutely can be guilt behind it.

SPEAKER_00 16:03

Yeah, I see, and this is the thing, when you start to kind of get clear on what you want, and I have my my money pie framework, and the pie slice that everyone has to have is fun, and you have to be able to have lifestyle in there too, because otherwise, why else? You know, we're we're not here to sacrifice our youth so that by the time we get to our older years, if we're blessed enough to be healthy and you know, able to enjoy it, that we can't anymore. So I was like, yeah, and that's not to say that you don't think about the future and you only live for today, but it's it's having that balance and then understanding that.

SPEAKER_01 16:37

And that's uh that's also a generational thing, isn't it? Like the older generations, our parents, they were told that, you know, and grandparents, you know, save for a rainy day, save for your retirement, deny yourself now, so that yeah, by the time you get to retirement, and as you said, a lot of people aren't can't enjoy their retirement because they're they've got health issues and they can't go traveling anymore, they can't, you know, go out and dance, you know, go out for nights, you know, restaurants and things.

SPEAKER_04 17:05

You end up sick by the time you reach your 60s or 70s or whatever retirement age is you spend so much tired ass not doing anything that yeah, yeah.

SPEAKER_00 17:16

And then you've got the younger generation now, which are very much like living for the moment, worried about the future still, but living in the now because they're like, oh, well, it's everything we keep reading about, it's all too so expensive. I'm never gonna be able to own a home, so why don't I just travel and enjoy life? And you're like, there's there's got to be somewhere in between there. Yeah, and I love what you said before, Sammy, about the the energy, and same with you now. Now that's you know, it is a flow, so we've got to get used to the fact money will go out as well as in. We are so focused on on constraining what goes out, not recognizing that it will come back in. And that's not to say that you overspend, but there is an energetic flow that has to happen rather than just trying to stop it and keep it keep it inside. You can intentionally spend money. So, like for me, I I go to the farmer's market and I like to support you know, all the natural products that I be I buy is from farmers that are local, so you eat seasonally, which is also then better for you. And then I'm giving to people who are producing, so it's then about that kind of intention rather than just going, Oh, well, I'm just not gonna spend. I I I choose to spend my money elsewhere.

SPEAKER_04 18:22

Yeah, and I also someone taught me also to accept money. So when people want to buy you a coffee or they want to take you somewhere, my pride would, you know, I'd be like, I can afford this, don't pay for me. And now it's like, thank you, thank you. Because I love the feeling and sensation I get when I give someone money for something. So I you know, you try and return that. That was a big one that I learned because I was buying me things, yeah.

SPEAKER_00 18:48

Yeah, yeah. Sorry, here you go.

SPEAKER_04 18:50

Oh no, no, you go.

SPEAKER_00 18:52

I was just gonna say, even I noticed it with my daughter as well. Like a couple of years ago, she started asking for money instead of presents at um at events, and it was really interesting to then watch her spend it when it's her money and a lot more discerning. Yeah, and and then it's again that so I'm trying to encourage that intentionality at that age so that when she gets older, it won't be a oh, I can't afford this. It's like, do I want to afford this?

SPEAKER_04 19:16

Yeah, changing those words that like I used to say money doesn't grow on trees, but I've really looked at the way that I speak about money. Like even just playing Monopoly um at home, I hate that game because it always made me feel like such a loser. And I was a board flipper, and my kids would do different deals behind me, right? And you just like it's just like in real life, and so now I look at the game differently and I'm very strategic, and I don't, you know, give my kids the upper hand because they're my kids. I'm like, no, you gotta learn, yeah, they're gonna learn. Yeah, yeah.

SPEAKER_00 19:49

Everyone's playing to win, yeah. Exactly.

SPEAKER_01 19:51

Absolutely, yeah. No, my parents never like let us win. Yeah, my mom was like it was a it was a dog eating dog world out there on the monopoly board.

SPEAKER_04 20:00

My mom meant meant well that you know she taught me. My mum was like yours sound treat treat people how you want to be treated. I'm like, well, I'm doing that and it's not working.

SPEAKER_00 20:09

Yeah, yeah, because then you and then the message is you don't value yourself that you're always kind of giving the other person a certain degree of your power, but also your value at the same time. I'm learning very well with that now.

SPEAKER_04 20:23

Um, with our listeners, they're probably thinking, gosh, you know, this is me, I'm like this. How can I, but what can I take from this? So, what are some practical money habits that you sort of give to your audience? Like, Matt, do you do anything at the moment? Like, do you have any habits that you have with money, or is it just um yeah, I do.

SPEAKER_01 20:43

I've got a um, you know, the barefoot investor, and um, you know, there's a couple of different people out there that do suggestions. So I have different accounts that every every time I get money in, it instantly goes into the different accounts, um, which definitely helps uh manage my money, and then I know exactly where it is. Plus, also I check my accounts at least three times a week.

SPEAKER_04 21:09

Yeah.

SPEAKER_01 21:09

I check them all, see what they're doing, you know, keeping track of money that's coming at got going out as well, you know. So I know exactly where my money is is going. Um, I ne I never used to, I used to avoid it. I mean, I lived on a disability pension for 18 years, so I was terrified of looking at my accounts because I I literally lived hand to hand to mouth um uh every week. So I had to heal that wound and and take, you know, and become empowered. And I do, I feel empowered. I love I love looking at my figures, and it's the same with even when I pay bills. It was something that I learned, I can't remember, someone somewhere along the way said, when you pay a bill, and I actually started practicing this when I was still on a disability pension. And it used to be there used to be so much anxiety as to because if I paid that electricity bill, uh, I probably wouldn't have enough money for food. But I started to change that relationship and actually thanked the universe that I actually had the money in my account to pay that bill, even if I didn't have the money for something else, but I started to change my relationship and the language around it. And I still do that to this day. Every time I pay a bill, or most of my things are on um automatic um, you know, um payments structure.

SPEAKER_04 22:34

Yeah, the anxiety when you've got structure. What sort of things do you like? I know for myself, I've got lots of things like we do most of our money because we've run a couple of businesses through zero, and I'm on there all the time, and I know exactly we do a profit and loss at the extra month, even with our personal expenses, and so I highlight every Zarafa's drive-thru that my husband has done for the week, and I point them out, and then he highlights all my much is an even sort of thing. Um, but you know, do you recommend things? Like what could you give our audience to help with that? Um, creating habits around money to ease that anxiety.

SPEAKER_00 23:14

Yeah, so I think you've already mentioned a couple of them. I think first one is awareness of so there's there's the mindset side, and then there's what I call the mechanical side. So on the mindset side, but the first step is awareness. So I'd say a little bit of journaling um about what's what you kind of what kind of comes up. So a little bit of like money sort of stories, beliefs that you have around money, and sometimes just writing them down and looking at them, we can realize one of two things. Either they are actually true and we need to work on them, or they're not actually true. The amount of times I've had um clients come to me and they're like, Oh, I'm I'm not, I'm not good with numbers, I'm not good with maths, and then they're running successful businesses and they're you know operating in a language that's not their native tongue. And I was going, um, I'm I just want to point out that this belief that you have here, it's not actually true. It's a story, it's not a belief. So it's yeah, so it's becoming aware of that first. So that's that's what I would suggest with the mindset side, just like a little activity just to do a bit of journaling. And then secondly, is I I use like the money pie, which is similar to how the barefoot investor has his different buckets, um, making sure that you put money aside for uh emergencies. Everybody needs to have a readily available cash emergency fund, not an investment in cash, high interest bank account, preferably. And if you have an offset loan, um, most banks now will allow you to have sub accounts in your offset and just have one there. You can call it emergencies or whatever word works for you, that that's what it's for. And then have a fun fund. Um need to have a fun fund. Mine's called travel, because that's my fun. I like fun funds. Yeah, so have a fun fund, then also have a kids if you've got children. Start to put money aside because there's always these extra things. Like even this week, I I got this bill from my daughter's school. I was like, I mean, it was only for$50, but I was like, what's this? Because I wasn't expecting it. It was her camp fee. Nobody had mentioned a camp fee. I was like, okay, all right, I'll just go take the money out of the account I have for her and pay the camp fee. Um, and then other than then you can have money to invest, even if it's micro investing. So have having a bit of structure, and then I don't I don't look at it multiple times a week, I have to say, I look at it once a month. Um, so I that that's just what works for me.

SPEAKER_04 25:26

If I have to look at it too big, in the background, sort of working and yeah.

SPEAKER_00 25:29

Well, I've created an app now that's that that organizes it all for me. We'll we'll talk about that. So um, so I just go and I have a look at my money pie. Um, sometimes I'll need to recategorize some things because when it pulls in from the bank details, it's got things a bit wrong. But then I'll just like look at it and go, oh yeah, okay, that makes sense. And then I total off and at the you know, some months I'll be like, wow, that like retail was a bit high that month. And I was like, ah, that's right, it's Christmas. So then I can understand what's going on and I can see some trends in spending. And then I know that January is like my big month where all the insurance has come due. So I spend my year putting money aside in another pie slice bank account to pay for all the bills that come in in January, because of course you have Christmas and then January straight after. So that's a bit of organizing. So I think it's just to start with doing a bit of work on beliefs and stories, and then just start to go, well, what are the key like buckets or pie slices that the money should go in? And then just start to figure out how you would organize it. Um, the languaging is a huge one too. Is when you're paying bills and also the habit of making sure you pay your bills before the due date. Even if it's a credit card and you can't pay the whole thing off, at least pay the minimum amount by the due date, just to get into the habit that you are keeping your commitments, because then that will build the relationship and the trust you have in yourself, which then builds your confidence and momentum.

SPEAKER_04 26:51

So I love that. I love that you start with journaling and beliefs first because if I dive straight into buckets and looking at that, it's going to cause this yeah, but it's so overwhelming first, yeah. And then you can sort of approach it from a more gratitude and wholesome sort of feeling, knowing that money flows to me easily. I just need to change my mindset around that. Um, before we chat about your new app, because I've completely forgot that amazing app that you've created. Definitely you'll touch on that. I wanted to do some some quick questions before we jump into that because you are our first guest. So rather than doing an audience reflection, I thought I would jump in and I don't know, do you want to do this, Nat? Like this is yeah, um, so the first question is uh, what money myth do you wish people would stop believing?

SPEAKER_00 27:43

That they need to have money to invest and build wealth.

SPEAKER_04 27:46

Ah, that's a good one. I love that one.

SPEAKER_00 27:50

The the biggest, the biggest uh objection I get from from women in particular is oh, I don't have enough money to invest. Or I don't have enough money to build wealth. That's a myth.

SPEAKER_01 27:59

Ah, oh, I got rissants on that one. Actually, on that, I was reading just earlier today, some investor, I don't know, I was it came through my Facebook feed, was talking about start with buying some silver. Even if you've got$10 or$20, go and buy silver or something just to start building some sort of little investment pop portfolio, which then you know you can then build on it. But he was saying because someone had said to him, you know, oh, I've only got ten dollars. What am I gonna do? It's just like start somewhere.

SPEAKER_00 28:30

Yeah, I'm probably more a fan of micro investing. I uh the the one problem I have with buying sort of commodities is like gold and silver, is that they don't give you an income. So you're you're reliant on on the capital growth to actually, yeah. So you're not actually and and that's yeah, so that's the only thing.

SPEAKER_01 28:50

Yeah, no, that's a good point.

SPEAKER_00 28:51

Yeah, sorry, and I I've seen it a lot lately because silver's gone up dramatically, gold's going like gangbusters, there's Bitcoin, all sorts of things.

SPEAKER_04 28:59

And I was like petrol, oil, let's all yeah, yeah.

SPEAKER_00 29:02

You so many, so many things and so many literally shiny objects. So yeah, but I'm I'm like even simpler than that, just focus on uh, and that's why I love micro investing for starting. Um, and I I have micro, I have three different micro investing accounts. Um I love that.

SPEAKER_04 29:17

My hubby is just uh we just downloaded the Moo Moo app to trading and looking at things like that. Um I find it interesting. Um, well, I won't throw the other fire question at you because you basically answered it. I was gonna ask you. I was looking exactly um, but do you want to um maybe we'll chat because we're gonna run out of time soon, but maybe give us a little insight on this app that you've created because we're gonna be coming by the time we release this, we might even already be at your launch. So tell us a little bit about this really cool app.

SPEAKER_00 29:49

Thank you. So it's called Prosperess. So the word Prosper with ESS, like goddess or empress on the end. Oh, I love it. Sorry, I have designed it primarily for women, although I do have some men using it um as well, and they really like it too. And it's actually funnily enough, it's the men who keep like texting me and going, Oh my god, I love this. This is um this is amazing. And I was like, all right, okay. Um, but it's designed to it started out as an Excel file that I was using with my my 101 clients, and then I thought, oh, there's just so many things I would like to do that it's difficult to to plug in the um like the formulas and macros and things into Excel. And and my Excel skills aren't that fantastic, they're okay, but they're not that. And I thought, no, no, I wanted I want this to be an app. I want I want the ability to manage money to be simple, not intimidating, and you literally can just open it and you can see at a at a button with some pretty pictures where you're at, and that you can also link the day-to-day cash flow with wealth, because that's you know, it goes to that first myth, that myth we're talking about. You can build wealth, you just have to know that what you're doing now, what impact it will have in the future, and we can't see that because the concept of compounding has never really been taught to us in a way that actually shows us like if I just put$10 a month into a microinvesting account and it's it's compounding at this percentage in five, 10, 15 years, this is what it will likely be. So then you're like, oh, okay, I can find$10 a month, and then suddenly you're like, oh, I can find$50 a month. What would that look like? So then you can play around in the app and do that too. So it'll it'll automatically pull bank data in.

SPEAKER_04 31:26

I'm a very visual person, so that's I love color.

SPEAKER_00 31:30

So that's what it's designed to do. It's designed to give you automatically your bank detail, like you connect your bank up like a banking app or a um a budgeting app. It will categorize everything, then it will give you some AI suggestions as a little bot where you can ask questions and say, what do I need to focus on right now? Where could I save money? It will actually give you some insights like that too. So it's like having this little pocket, you know, uh money guide uh with you, and then you can also see how the wealth building's going too. And if you're a business owner, I have another tier that also helps you connect your um your business PL in so that you know what you need to pay yourself to fund the lifestyle you want.

SPEAKER_04 32:07

Profit and loss. I love that. That sounds so good.

SPEAKER_01 32:10

I'm I'm gonna have a look at that and um yeah, I will definitely be getting it.

SPEAKER_04 32:16

Yes, anything that's pretty and simplifies, and yeah, I'm not an Excel sheet kind of and empowers.

SPEAKER_00 32:23

No, no, well, that's the empowerment is the key for me. I I want as many women in the world as possible to be as wealthy as possible because our world is.

SPEAKER_04 32:30

Oh, yeah, there's always a deep-seated message behind it all. I've really enjoyed this um this podcast because I do feel like I still have some money issues that I need to work through. So you've definitely opened the my mind up a little bit more there. Um how about you, Nat? Have you enjoyed listening?

SPEAKER_01 32:49

I've I've loved having you on. I saw you take it. And I'm the same. I think everyone has some sort of well, most people have some niggles of of money issues somewhere along the line. And um I still have them.

SPEAKER_00 33:02

You know, like we're we are all works in progress. Exactly. Stuff comes up for me, and I'm just like, ooh, okay. But now I now I have the tools to know how to manage it.

SPEAKER_01 33:11

I know and the more we talk about money as women, yeah, it takes away that um the anxiety and the fear. Um, so I think well, I think we need to have more conversations like this.

SPEAKER_04 33:25

I think a lot of um health issues stem from the the stress behind money as well. Losing sight, yeah, all of it sort of feeds into that that system. But yeah, how people get in contact with you. Obviously, we've got your app there, but if people want to follow you, and because I know you do a lot of like um information talks, I've seen a lot of your videos coming up that you put on your socials.

SPEAKER_00 33:45

Yes, yeah. So I speak at events, I've got a couple others coming up, and I do a lot of my socials are educational.

SPEAKER_04 33:51

What's the name of your handle?

SPEAKER_00 33:53

So for um Instagram, it's Alpha Moneymade Simple. A-L-P-H-A Money Simple. Money made simple, yeah. And it's Alpha Shulter on LinkedIn.

unknown 34:06

Yep.

SPEAKER_04 34:06

Do you want to tell your last name?

SPEAKER_00 34:08

Uh S-C-H-U-L T for Tom E for Eddie.

SPEAKER_04 34:13

Yeah.

SPEAKER_00 34:13

And then on um Facebook, just my name, Alpha Shulter, and you'll you'll find me there with my big money earrings.

SPEAKER_04 34:20

Yeah, you've got lots of pink. I love the future pinks and colours that you've got. Beautiful. I love it. Well, Nat, do you have anything else you want to throw in on here?

SPEAKER_01 34:28

Or no, I think I've I've I think we've it's been wonderful having you on, Alpha. And uh you've given some really, really great um suggestions and tools, aside from the amazingness of your new app coming up. But thank you so much for joining us.

SPEAKER_00 34:44

Thank you very much. I've loved being on here, and I feel very privileged to be your first guest.

SPEAKER_04 34:50

Well, thank you for coming on. And uh, if you're listening, I would love for you to go and journal about what you learned today. That would be amazing. Thanks for coming on, uh, and we'll see to you soon.

SPEAKER_02 35:02

Thanks for joining us on the Anxiety Compass. If you love this episode, share it with a friend who needs a little laugh and a low calm. We'll see you in the next one. Keep following your true norm.

SPEAKER_03 35:21

Disclaimer time. Sammy and Natalie may be clinical nutritionists, but we're not your personal doctors. What you hear is for learning and laughing. Not diagnosing or describing.