Hoxton Life

A Simple Guide To Investing In Your 20s - with Ellie Gracie

• Hoxton Wealth

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Investing can feel overwhelming in your 20s, but it doesn’t have to be. In this episode, Ellie Gracie, a 23-year-old Client Relationship Manager at Hoxton Wealth, breaks down the essentials of getting started with investing - without overcomplicating things. Working directly with CEO Chris Ball, Ellie has seen firsthand how smart financial decisions early on can set the foundation for long-term wealth. She shares her career journey in financial services as a young woman, the misconceptions that hold people back from investing, and the simple strategies that can make all the difference.

Many believe you need a fortune to start investing, but the reality is much simpler. Ellie explains how her small, consistent steps have led to financial security in her early 20s. She also discusses the financial advice gap for women in particular, and why more female voices are needed in the profession.

Key topics covered:

  • How early career decisions helped Ellie build financial confidence
  • Breaking down common investment myths that hold young people back
  • Simple investment strategies anyone can follow in their 20s
  • Why women’s financial empowerment is key to closing the wealth gap
  • The role of emotional intelligence in financial advice and decision-making

Whether you’re completely new to investing or just looking for a clearer path forward, this episode offers a brilliant step-by-step to help you take control of your financial future. Because the best time to start investing? It’s today.

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Speaker 1:

Dream so big that you feel uncomfortable telling small-minded people because if my dream doesn't scare me, is it big enough? Coming into this industry, I've been brought up around quite strong females in my household so I've never really seen things as a risk. They've been more of a challenge for me. So even though it's a male-dominated area or career, I've never seen that as a challenge.

Speaker 2:

Some people might have seen your episode on the financial planner life, which did really well. I think a lot of people were excited to hear your story, how far you've come at a young age.

Speaker 1:

A lot of people see things as risks, but really, what is the worst that can happen? You've moved back home, you go and get that job that you already had, follow your dreams and and just you know, keep going. I think financial services got quite a bad reputation at times, and in certain parts of the world anyway, and I think if we've got more female advisors, people are more empathetic, things are more personalized and they're more unique to everyone's individual and it's not just about this is your finance and this is what we're going to do. It's on a personal level and you're building more trusting relationships. I think the industry would change as a whole and maybe have more trust and leverage and between one another welcome, ellie, to the Hoxton Life podcast.

Speaker 2:

How are you? I'm good, thank you. How are you? I'm good, thank you. Um really excited to have you on the podcast today. Honestly, I think um some people might have seen your episode on the financial planner life with Sam um, which did really well, you know. I think a lot of people were um excited to hear your story. You know how far you've come at a young age, and um one of the things I really wanted to talk to you about today was you know how far you've come. You are now because you are a very focused person, and so I think you'll have a lot of knowledge to share and a lot of valuable things to say. So maybe you can start by just giving a brief introduction to who you are and what you do, and then, yeah, we can go from there.

Speaker 1:

Yeah, perfect. So my name's Ellieie, as we all know, um, I currently work at hoxton as a client relationship manager, kind of slash power planner, um, for chris ball who's the ceo. Um, I'm originally from scotland and moved over here originally when I was 19 years old. I'm now 23. Um, yeah, and the last podcast was really great. I got like loads of great feedback from people on linkedin and stuff. So, yeah, excited to hopefully expand on that amazing yeah.

Speaker 2:

I mean, yeah, let's see one of the things that I noticed because I just joined the business. When I saw your episode, um, and I was like she's so young and she seems so determined, and I love people like that, like I've come from a long line of women who, have you know, fought to do their own thing. What is it, um, that drew you into the industry from such a young age? You know, why did you always feel like you wanted to be in finance?

Speaker 1:

yeah. So for me, I've always been quite an analytical person. I've always been good with numbers, like a skilled on physics and maths and everything like that. But I'm also a very social person. I love talking to people, I'm great at building relationships. I feel like I can portray myself in quite a good way. So for me it was kind of hands in hand, like yeah, I'm really good at numbers, but do I want to be sitting at a screen all day, you know, doing analytics? Probably not, because I want to. I want to be speaking to people. I want to be, like, you know, building relationships.

Speaker 1:

So for me, financial services kind of fell into that, because it kind of picks both sides of the of the scope, so both sides of the of the scope, um, so that's kind of why I wanted to do finance anyway. Um, but in terms of, like you know, overall, like you know, coming into this industry, I've kind of been brought up around quite strong females in my household, um, so I've never really seen, you know, things as a risk, that they'd be more of a challenge for me. Um, so even though it's a male dominated kind of area or career, I've never seen that as a challenge, you know, I just wanted to do that and that's what I've done.

Speaker 2:

Um, so yeah maybe talk a little bit about your um early career like your upbringing. How did that go? How did that inform your uh career so far? I know you mentioned to me that you went to boarding school quite young. Um, how did that?

Speaker 1:

how did that go for you? Yeah, so I my mom would probably say I've always been an overachiever, um, when I was 11 years old I got a scholarship to go to boarding school. So that was like fully paid for and by the school. So for me I've always been, you know, trying to. I always wanted to win, um, and for me, you know, coming second was first loser, but probably that's a bit unhealthy the older I've got and the more I've tried to.

Speaker 1:

You, you know, have a healthy competitiveness in life. So when I went to boarding school I would say you're living by yourself, you're very independent, you have to be very organized. So that's something that I've always kind of had with me. So when I moved to Dubai at 19, it wasn't a massive jump for me compared to my peers, because I've always been brought up to be very independent and be organized, um, in my day-to-day life anyway. So you know, in terms of that, that side of things, that was quite good for the industry, because you need to be really organized in this kind of job and you know you need to. You need to know what you're doing really, um, so that's kind of that side.

Speaker 1:

And in terms of myself, um, you know, I've always wanted to do well, it's always just been in me. I don't know if you're born with it. People have their different opinions. Um, my mom's always had her own business. So, like, I've never seen, like you know, having your own job or having your own business is like risk. It's just been something that I've I've always wanted to do. Um, and in this role, eventually, you know, you're really going to be working for yourself because you want to have your own clients and manage them yourself. Um, so, yeah, it's kind of like being your own boss in your own way 100.

Speaker 2:

So what set you apart, then? This is not really the conventional career path for someone who's you know, 19, 20, 21, going on 23. Uh, what sets you apart for this kind of role? What makes you uh, kind of different and and kind of made for this kind of role?

Speaker 1:

yeah. So for me I did take the traditional route that I went to uni after school, but I never kind of different and kind of made for this kind of role. Yeah. So for me I did take the traditional route that I went to uni after school, but I never kind of, you know, had your normal job where you may be working at a supermarket or in a restaurant. I always wanted to get like industry experience. So I started off at Scottish Widows when I was 17. Then I went to Lloyds, then I went to SGP and now I'm here. So for me, I had four years experience at uni, you know, in the industry, which a lot of people don't have and it does.

Speaker 1:

I know a lot of friends personally that have finished uni and really struggled to get a job after it. You know there's a massive job crisis really in the UK just now, so you need to have that kind of like cutting edge above others. So for me I would say I was always very strategic about what I was doing. I made sure that I'd done a degree relevant to what I wanted to do. I'm not saying I left school at 17 knowing that I wanted to work in financial services, but I had an idea of you know what, what careers I thought would be most suited to me and my strengths, and I tried to get jobs around that because you know I've worked in different kind of parts of the industry. So now I kind of know, you know what areas I like and what areas I don't like as well. Um, and you're not going to know that unless you try really 100%.

Speaker 2:

See now. So you've got experience working in the UK and also now in Dubai. Yeah, what have you seen as maybe similarities or differences, um in the working cultures, in the experiences, opportunities, maybe between those two regions?

Speaker 1:

yeah, I think from my experience in the uk, the uk is so established in the financial services, it's so regulated, you know you're around very experienced advisors, um. But then with that there's a part that's kind of maybe held back in terms of growth or development, um, and I think there's an expectation in the uk anyway that you need to be 40 or 50 years old to be a financial advisor. You know, nobody's going to speak to you if you're in your 20s or even in your 30s, where the UE is not as established but it's growing and it's development. So I feel, when you're younger and maybe you are a little bit more ambitious, the UE could have more opportunities. However, there are obviously still opportunities in the UK and when you can think of the financial hubs of the world, is Dubai, you know, number one? Probably not, but it is growing to hopefully be that in the future 100.

Speaker 2:

And so now you've been with hoxton for how long? Just over a year, now, just over a year and you've been with chris ball that whole time yeah, working directly under him. How's that been? And, um, can you maybe share one thing that you've learned from chris ball?

Speaker 1:

yeah, so, um, I really enjoy working for chris. I've worked for other advisors in the in, you know, in the past and I moved to hoxton knowing that I was working for Chris and that was the reason that I came and for me. If you want to be the best, you need to learn from the best, and Chris is, you know, up there and obviously working for him. It's a very fast-paced environment. You know there is a lot of responsibility on you. He can't hold your hand the whole way because he has other you know other things to do.

Speaker 1:

He's the CEO of the company however, he is there if you need him, which is which is great. Um, in terms of what I've learned from him, I think I underestimated the value of having a good team around you, like if you look at Chris's PA, his admin, like they've been there from day one and I think for me as well. You are who you surround yourself with, so if you surround yourself with people who are constantly questioning you, you know, thinking that you're not doing a good job, putting you down, you're never going to succeed. You need to make sure that you're around people who are going to support you, push the best out of you and be honest with you. That's. One thing with Chris is, if I go to him or something always got my back, always got my corner and believes in me, and I think that's something that I underestimate that you can't do it all on your own.

Speaker 2:

You. You can't build a company on your own and you can't have a great career without having mentors that are going to kind of push you to get there. 100. I think it's really a great what you just said about you know, being ambitious and, uh, pushing yourself but also being able to lean on the people around you. Um, and I know that working with chris probably has huge responsibilities, um, and I think young people might look at you in that kind of role and think, uh, you know that's something they aspire to, but they don't have the confidence to go for it. Um, where do you get that confidence from? Have you always had it? Is it something you've developed? Um, you know what? What gives you that confidence?

Speaker 1:

Yeah, I think it kind of relates back to the the point I just said in terms of like, surrounding yourself with people who believe in you. I've been around, you know my mom is like super supportive of everything I do and she's never questioned me, and I have friends who are quite ambitious as well. So I think it's selecting your friends wisely, um, and the people who you surround yourself wisely as well. But the other thing is kind of like I'm maybe not as confident as a look. I think you know that fake it.

Speaker 1:

So you make it kind of mentality like I believe in myself, but don't get wrong, I do question myself, yeah, and sometimes I think I'm making the right decision, but the end of the day for me, for example, moving out to Dubai, what's the worst gonna happen? I move back home, yeah, and obviously, like, for a lot of people, moving out of the UK isn't what they see successful, and you know people can be successful in the UK. That's just my experience of it. But I think it's just surrounding yourself with people who believe in you and aren't going to, you know, question, you know things that you're doing. If maybe you are taking a risk, um, having people support you and then also just believing yourself. There's like a quote that I live by, which is um dream so big that you feel uncomfortable telling small-minded people because, like, if my dream doesn't scare me, is it big enough? That's how I think, anyway.

Speaker 2:

I absolutely love that. Okay, so, talking about big dreams, then you mentioned to me that one of your long-term goals is to live in America and obviously work out there in that industry. Um, why do you see that as the next big goal or big objective for you?

Speaker 1:

yeah, I think you know, as a little kid, I've always dreamed about living in New York or moving to America. And I think you know, as a, as a child or you, I've always dreamed about living in New York or moving to America. And I think you know, as a, as a child, or you know, when you're younger, you're fed this American dream, which is something that I've always believed in, and I do a lot from US clients and I do feel that in the UK if you tell someone that you want to be, you know, the president, they're no-transcript. It's that if I'm surrounded by people who think that I'm probably more likely to achieve it.

Speaker 1:

Um, I also think that for the us anyway, you know, in our industry there's there's a lot of opportunity there. Um, there isn't a lot of kind of British advisors or UK and US qualified out there. So I think there's a massive opportunity and obviously the US is the size of Europe, so it really opens the scope. Yeah, um, in terms of regulation and stuff as well, there is probably not as strict as the UK, but it's still a very regulated um system, which I think will be really good for my career anyway.

Speaker 2:

Yeah, and right now you said you're working as a client relationship manager as well. Yeah, and you're working with quite a few female clients. Would you say, why do you think there are so many women looking to work with you? Work with female advisors or client relationship managers at the minute?

Speaker 1:

yeah, so don't go wrong. I would say 80% of my clients right now are male yeah, um, but the ones that I have had that are females. I've built really good relationships with um. I think the reason is, if you look at things that come across in our lives, people want to take career breaks yeah, um, you know people have, you know, health scares and you know people want to take career breaks yeah, um, you know people have, you know, health scares and you know people want to think about you know, retirement or their future. You know if they, you know, maybe want to take a step back after they have kids go part-time so just trying to find you know people that can can relate to that.

Speaker 1:

Obviously, men can give the advice and they can do that exact same thing. I'm not saying that they can't do it, but as females, we tend to be more drawn to speak to females and I feel like things that we have is we have a lot more empathy. Um, so I don't mind sitting on the phone for an hour and a half of my clients talking about what color she's getting her nails done for example.

Speaker 1:

You know it's quite interesting. I love building relationships on a more personal level as well, um, but it's, you know, when people come to you, I feel like they feel more comfortable to talk about what issues they're having. You know, I've had clients who are maybe struggling to have kids and stuff like that. So it's, you know, putting those concerns into into a plan and that's a good point.

Speaker 2:

To be fair about how, yes, of course, men can deliver the same advice and give you the same information, but I feel like women are naturally inclined to be more empathetic. Do you have an example of, maybe, when being empathetic or that emotional intelligence benefited you when it came to your clients?

Speaker 1:

Yeah, so I had a client recently and I'm not going to speak too personally because I don't want to, you know, upset her, but you know she came across a very personal situation that put her off work for a period of time around 12 months.

Speaker 1:

Yeah, work for for a period of time around 12 months, yeah, um, and you know she really didn't have the financial kind of instruments in place, nor the personal ones, um, and really she just wanted someone to listen to her. Yeah, so obviously, you know we spoke about it, she, you know she discussed what had happened to her, but you know that wasn't the main important thing for her. She just wanted someone to listen, know that someone cared and that she could have someone there if she needed to. Um, so I think it's just more about listening to people than actually, you know, most people can give the advice, but it's it's around, you know, making it personal to them and just giving them the peace of mind that if it happens again, they're covered. It's not, they're not going to be in the same situation yeah, 100.

Speaker 2:

And obviously there's those clients who, uh, they might be going through situations and not know how to navigate it. Um, female entrepreneurship is on the rise, you know. There's so many women who are going to be looking for advice and, um, I think, naturally sometimes women feel like they're locked out of the financial conversations. There's a lot of jargon they made maybe might not understand and they don't know where to find the information. How do you think we can change that?

Speaker 1:

yeah, I think, I think the world is changing now. If you look at like TikTok and podcasts, there's a lot of things out there. You've got pages like female invest. You've got girls that invest, um, which are like great things to listen to or to read.

Speaker 1:

Um, I think a lot of people have this like preconception that finance is just for rich men or people who are really well off. But it's not, and I think, as female, something that we lack is like speaking about it in general, like what are you doing with your money? Are you investing, are you saving, are you putting an eyes out? Yeah, we don't have these conversations with our friends like we need to be doing, especially people like us who work in the industry. Why are we not having these conversations with our friends, like, if you, everyone wants the best for the people around them in their life, and that I mean there's no greatness to having someone having a hundred thousand pounds sitting in cash not doing anything. Um, obviously, there's. Maybe they have it, you know, put away for something, but in general, um, they shouldn't have all their money really in cash unless it's for a reason.

Speaker 1:

So I think, you know, with the kind of rise of entrepreneurship and you know, with women, you know becoming more independent with their finance. Obviously, historically males kind of are their male counterparts, tend to kind of hold the, the power of the control. That's totally kind of flipped. On the other side now we've got more female entrepreneurs, more female millionaires set to be out in the next 10 years. So who's going to provide that advice gap? Because, one, we've got loads of advisors getting very old now and retiring and two, we've got such a small amount of women who are actually able to give that advice. Now, females prefer to speak to females. That's not my opinion, it's just facts right there, yeah um, who's going to give it to them?

Speaker 1:

so I think there's a massive gap in the market for females to step up and to use the skills that they have to to give people or give back advice.

Speaker 2:

Yeah, 100, okay, so that gap in the market. Then how do you think we can change that? You know how can we close that gap and make sure that women out there are getting the advice that they need to get?

Speaker 1:

Yeah, I think a lot of big companies are introducing stuff. You know that they've like set out, you know programs or internships or graduate schemes focused just for women, which is great. But I think a lot needs to be done more on the smaller, medium sized companies in terms of targeting women or even just bringing education from school upwards. Nobody really like teaches you about being a financial advisor at school, like I mean it's not one of these jobs that people set out to do.

Speaker 1:

It's not a doctor or a nurse or a policeman. So it mean it's not one of these jobs that people set out to do. It's not a doctor or a nurse or a policeman. Yeah, um, so it's just like bringing more literacy around it to people. Actually, that's quite interesting. Maybe I actually want to get into that. Um, I think you know there needs to be more conversations and, for me anyway, more female role models that I look up to. I don't really know anyone in the industry that is a female that I look up to just now. They're all kind of males that you know I work with or you know I've seen on the tv. So it's just trying to find people that we can, and obviously, the more people getting into, the easier it's going to find to be a role model. Yeah, um, but I also just think you know, reading books, listening to podcasts, sparking interest in people's brains a hundred percent.

Speaker 2:

I mean, what you said is why we're doing this, like why this is so important. People might look at this podcast now and be like, oh you know, I relate to her, she's someone that I look up to and maybe I can follow her career path, and I'm sure there are people out there that you see that you'd like to maybe have on the podcast or speak to, and you know that you admire their career journeys and that they have knowledge that really needs to be shared, but maybe they're not sharing it for some reason or they're just not as visible, um as others.

Speaker 1:

So I think that's really important, yeah 100 and I think, you know, while there isn't anyone, maybe in the financial service industry, that's a female just now that I, you know. Look to our. That I'm aware of anyway, I think there's a lot of females out in dubai especially. They're absolutely killing it. Look at the real estate space. You know there's a massive kind of corporate area out in Dubai as well, so it'd be great to get people like that on the podcast, people who are really successful. What are they doing with their money? How are they managing? Have they got an advisor? You know, are they putting into real estate? Are they investing it like, what are they doing? Because that's real life experiences. You know me and you're, you're probably not at the you know stage in our life, where we're, you know, raking in millions of pounds.

Speaker 1:

Not yet anyway, not yet anyway but it'd be good to speak to the people who are and what are they doing, because then they can teach others, or they can at least. Then we can see what actually there's a gap in this side of the market.

Speaker 2:

Um, so yeah, that would definitely be interesting um, so these kind of strengths that you were talking about that women bring, how do you think that having more women in the industry would, uh, reshape you know this kind of profession, how? How do you think it would change the future?

Speaker 1:

I think, for starters, women would be doing a lot more of their money. Right now, there's like a figure that I think 35 of women retire on less money than a man. Um, even though women go to university more, they tend to earn more money right now. Anyway, I think that would change everything. That would close the gap and it would be quite, you know, averaged in comparison to each other. Yeah, I think that it would push more people into the industry. I think, you know, we would see a lot more females.

Speaker 1:

I think you know Sam had touched on before. There's a woman who focuses on divorced women. Yeah, um, and the issue is that is that a lot of women maybe have joint accounts with their partners or they don't really know what their money's doing or where their pension is. Yeah, women would be more in control of their finances because they would be feel comfortable to speak to other people about it. Especially friends are speaking about it with each other, um, so I think we would see a massive change in that in terms of, you know, the industry as a whole.

Speaker 1:

I think we would see a lot more empathy. I think financial services got quite a bad reputation at times and in certain parts of the world anyway, and I think if we've got more female advisors, people are more empathetic, things are more personalized and they're more unique to everyone's individual. And it's not just about this is your finance and this is what we're going to do. It's on a personal level, yeah, and you're building more trusting relationships. I think the industry would change as a whole and maybe have more trust and leverage and between one another, okay, interesting.

Speaker 2:

And then, in terms of financial planning and investing, there are quite a few common misconceptions about women, especially with women who don't feel like they have the knowledge or confidence to start investing or have the knowledge to um do any life planning. Uh, what common misconceptions do you see in terms of um? You know those people in financial planning?

Speaker 1:

yeah, I think the first thing is that you have to have loads of money. You could literally invest a hundred dollars a month if you, if you want to, yeah, um, I think that anyone tells you that they know what's going to happen in the market is lying, because if we, if anyone, could see what's going to happen in the market, would all be rich millionaires. You know, warren buffett couldn't tell you what's going to happen tomorrow, um, so I think stay away from people who are going to pretend that they know what's going to happen. I think you know, to kind of put down simple, the first step would be to educate yourself, to maybe reach out to someone like myself or someone who's in the industry, because I'd be happy to jump on a 10 minute, 15 minute call and just explain things in very simple, logical terms instead of using very complicated jargon. So the first one would be like educate yourself. Read a book. Um, rich dad, poor dad's really good. Um, the psychology of money. Um, listen to podcasts that I've spoke about. You know, like the Girls Invest, female Invest. They're really good to like kind of bring things kind of up to a basic level for you, because you don't need loads of experience.

Speaker 1:

If you've got a lot of money, then you probably need to seek financial advice. But if we're talking, you know, $100, $500 a month, you could probably do it yourself. So first thing is like educate yourself. The second thing is like set up a trading platform and kind of set out a goal. So you know you don't want to be investing all your money at one time. You want to make sure you've got expenditure there for, you know, the next three to six months in cash, because the thing is investing is for long-term goals.

Speaker 1:

So what is your goal? That's the first question. Is it buying a house? Is a retirement? Is it, you know, saving for your children's university. So setting out a goal and a target and then working out how you're going to get there. So if I'm putting a hundred dollars away for a month, how long am I going to have to do that? And you know. So setting out kind of realistic targets and then automating that. So if you're having to send money every month from your bank to your trading platform, you're probably like oh, do I really want to put a hundred dollars away? Do?

Speaker 1:

I want to go and go out for a nice dinner. But if you automate it, it's already done.

Speaker 1:

Yeah so setting up like a standing order direct debit into a platform and then just picking. You want to pick a low cost etf um so something like the s&p 500, so they're like the top 500 companies in the us um, that's quite a good one. Like, look into that. Um, that's quite high risk though. So you you want to just meet something that suits your kind of needs. Yeah, um, which is then maybe where you would get financial advice if you're, if you're, quite concerned about the risk element of it. And then the other thing is just leave it, yeah, leave it alone, kind of block the outside noise, um, and just and just leave things to to grow. Obviously you want to keep checking on it as well to make sure that is um obviously working for you I love You've basically just given kind of a step-by-step breakdown of how to invest.

Speaker 2:

Yeah, is there any other like very simple tips that you would give to, say, someone in their 20s who wants to invest but doesn't know how to? How would you say, in 2025, okay, this is how you start.

Speaker 1:

If you know someone that's investing, maybe speak to them about how they're doing. What like what. What platform are they using? Obviously, if you're in the uk or the us, it's going to be different. You know different processes to that. So, if you're in the uk, ask someone have they got night uh, stocks and shares, isa, um, who did they open it with what? No, what are they investing?

Speaker 1:

Obviously, you're not going to take investment advice probably from your friends, but just invest. Invest in a simple etf. You set up a direct debit and just leave it alone. And that's pretty much all I would do. Really, I would keep, you know, reading books or even listening to podcasts if that's something that interests you, but simply set up a standing order. Don't touch it, don't listen to the news that feeds you negative narratives. So I would just say you know, in simple terms, like stick to the plan, track the process. Obviously you don't want to be going on every every week or every month, even, um, but you know, setting a date that you check it every time and then just just leaving it alone from there.

Speaker 2:

Really, yeah so looking forward, then, um, you've already achieved so much, I think, um, most people would say more than a lot of people would have at your age. What are you looking forward to in the future? You know what are the next big steps for you in terms of career.

Speaker 1:

Yeah. So I think obviously we touched on moving to the US, which is a main goal of mine in the future, but I also think that I want to try and kind of give back a little bit Like I've been very fortunate that I've grown up in a very like strong female head household. I'm quite confident and I don't really see many things as risks and more challenges. So I would like to be able to kind of give that confidence back to others and I would love to start like my own kind of podcast or maybe like a page that kind of educates women on a basic term and more detail than what we've went in today, yeah, about what they should do with their money, challenges that they may face, um, and just kind of giving brief education, because when I first started I didn't know the difference between an equity and a bond.

Speaker 1:

Yeah, probably most people don't have a clue what that even means, um, so it's just trying to open up those conversations and open up doors so that women feel more confident to know, to know what they're doing and really just get up to speed with what men can have already know, um, because I don't have these conversations with any females at all, with guys. So that's something that I would love to give back and I'd also love to, you know, nurture the relationship that I've got with my female clients already and build on that um and just ensure that I'm, you know, learning and developing as much as possible to give back to the you know, the clients I already have and any potential new ones. I just want to constantly be learning and growing.

Speaker 2:

Yeah, 100%. And then to finish off, then, what's one piece of advice that you would give to someone in their 20s who is looking to kind of take the same journey that you were?

Speaker 1:

Yeah, I love that nice slogan that says just do it. I think you know a lot of people see things as risks, but really, like, what is the worst that can happen? You've moved back home, you go and get that job that you already had. I think, especially, I'm young I'm speaking from you, know someone who's 23, you know you're never going to be this young again. What is the worst that really can happen? Obviously, I'm not going to tell you to go invest all your money in crypto. That's a different story, yeah. But I'm more talking the sense of, like, get that job, move to that country. Um, you know, follow your dreams and, and just you know, keep going well, that was an inspiring and I think we can end it there.

Speaker 2:

So, um, thank you, ellie, for coming on the podcast. I think a lot of people will find value, um, and probably some inspiration in your story and like where you're leading to go. So thank you.

Speaker 1:

Yeah, thank you.