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Episode 42  -  The Truth about Girl math
Melany Krangle & Suzie Sheckter

A: Welcome to sharing my truth with Mel and Suzie. The uncensored version where we bear it.

Speaker B: All we do 1234.

Speaker A: Hey, everyone. Welcome back to sharing my truth pod.

Speaker B: It is so good to be here.

Speaker A: In our little happy place. And we welcome you with open arms and open vulvas. If you want to give this a cute little sexy five star review. We'd love that so much, wouldn't we, Mel? Hey, babes.

Speaker B: Hello. Open vulvas.

Speaker A: I mean, because of our last episode, I think it's important that we just keep saying the word. Keep saying.

Speaker B: So if we say it enough, we'll actually start saying it instead of Vidangna. Yes.

Speaker A: Or my lady garden, as you love it to call it.

Speaker B: I quite like lady garden. Sounds very aristocratic, doesn't it?

Speaker A: Hey, if my panuna okay, if my ***** can make me that cold, hard.

Speaker B: Cash, as it has done in many centuries ago right. Then it can do anything leading to our subject.

Speaker A: That's what I was trying to do. Yes.

Speaker B: You're doing an excellent job. Thank you so much for that.

Speaker A: So what is the subject, Susie? Well, it's girl math.

Speaker B: Girl math, girl ************* math, or as we like to call it, girl maths over the British, because we don't say math. We say maths. You say girl arithmetic. So when you're studying at school, you say, I'm studying maths. We don't say, I'm studying math. That would be weird. Why? I don't know.

Speaker A: But I have more than one math.

Speaker B: I've had to change. I've had to say math. Otherwise nobody understands me here. Anyway, this has nothing to do with girl math.

Speaker A: Definitely not.

Speaker B: So what is girl math? It's a thing that's going around everywhere. It's like going around TikTok and Instagram, everything. It started somewhere, somebody started something, and now people are doing all these little skits videos whatever, of all these situations. So please explain it to us.

Speaker A: Absolutely. As the house millennial here Sharing My Truth, the resident, the residential millennial, I personally find girl math so funny. One, because I'm not good at math, right?

Speaker B: Okay.

Speaker A: So I connect on this on a very deep, deep level where my trauma mostly comes from. Math class in junior high, right? And at the kitchen table with my father yelling at me as to why I don't know my times tables. Okay. And I think a lot of women people can relate to this as like, yes, finally I don't have to feel alone and bad in my math. But girl math, specifically, where it's like you return your $50 sweater that didn't fit you properly, and you go buy yourself a $50 bottle of wine because it's kind of free, which it really isn't, but it's just these little things that these nuances that bring us together in the world of finances. Mathematics.

Speaker B: Yes.

Speaker A: Economics.

Speaker B: Wow.

Speaker A: And I just want to point out something as well.

Speaker B: Okay.

Speaker A: The amount of economic power that we are seeing right now and it's a known, well known fact that the woman in the household is the biggest purchaser in the household because they are doing all the mostly the grocery shopping I'm not going to say all of it.

Speaker B: Mostly grocery shopping decisions.

Speaker A: They make the decisions. They're doing the grocery shopping.

Speaker B: They're doing shopping for the kids.

Speaker A: Exactly. Because they're the ones who were most likely cleaning most of it. Like a lot of these things. So they're making most of the household financial decisions. They are the ones who are paying the bills. We can see that things trends. Like, we can talk about Taylor Swift a bit, where it's like if it has anything to do with Taylor Swift, women are tuning in and women are purchasing. If there's anything that has a trend going on, like women are saving economies. That's all I want to say.

Speaker B: Okay. That's what she wants to say. Well, this is my two cent worth. Please. Did you like that?

Speaker A: Yes. As our resident Gen Xer?

Speaker B: Yes.

Speaker A: Thank you.

Speaker B: So I think the girl math thing, I think there's an element of it's generational. So in the sense that I watch these TikToks and these memes and you think it's kind of a little bit it's very silly and funny, most of these skits. It's like a girl generally talking generally a gen z or a young millennial talking to a boyfriend, sort of saying in a stupid voice, kind of saying, I bought this $250 whatever. And shipping. You had to spend $250 to get shipping for free. Even though the thing I bought was only $50. So I spent $250. But that makes sense, right? Sort of thing. Or cash is free and you're like and the guy's thinking they're going, no, that's moronic. And it is. And so it is stupid. And I think the one thing it is funny, but I think on the flip side, it's really kind of patronizing and stupid because women really aren't this stupid. And this thing about cash, which I think is really funny, like this idea and you'll have to explain this to me that if you go and spend cash, it's free because it's cash, therefore it's free. It really isn't. And I think that is steeped in generation. Like my parents, who are actually the silent generation, so silent generation or boomers, they would always have cash. And I would say, I always have cash on me. Most of my friends always have cash. And so we know that it's money. But I think Gen Z's, like my kids, I don't think they have that much cash on them.

Speaker A: Like, I only had cash because I was a bartender for so many years and I only paid in cash. And I missed those days, I will tell you. Yeah, but I took my boyfriend over brunch very nice. And it was lovely. And the bill came up to like, $88, which is ridiculous, as it does. We didn't even have booth. That's how ridiculous anyways. But I just put a ******* $100 bill down and I was like free.

Speaker B: Yeah, really isn't. So that bit of it is generational and it is funny and I do think we shouldn't get too intense about all these TikToks and memes it's meant to be funny. However, there is a deeper implication, Susie and I think the deeper implication is that women are stupid about money, which they're not. And whether you're my generation, your generation or older, particularly in my generation, in many cases the woman is the one who made the decision about purchasing the house. In many households women, whether they I would like to reiterate whether they work or don't work, often pay all the bills, select the holiday, find the best cost savings for vacations and stuff like that. Do all that kind of arranging, arrange all the kids activities, pay for all that stuff, make sure it doesn't cost a bajillion dollars. And even in couples where that you share grocery shopping and stuff, which is very common like maybe one week somebody does it the next. Obviously you're pretty smart about trying to save money, especially in the day that we live today it's costs so much, especially in Canada. Groceries are out of control. And to kind of insinuate that women are not savvy or know how to economize or know how to be smart about investing is not healthy. That's the thing that I worry, and I think that's a very motherly attitude, is I watch this stuff and I think a generation of women that is trying to be independent, that knows they're going to have to work because everything costs so much money, that relying on a man is from the Dark Ages. And there may be periods of your life if you're in a team, a partnership of the man, your money goes together. But most women want to work and will work and to think that they don't know how to do stuff like buy a house, get a credit card, invest whatever, is a little bit insulting.

Speaker A: It is and I don't disagree with you. I think it's a lot about people's priorities because I think also in this day and age of younger women, a lot of us are thinking of not having kids. And yes, we're thinking about the future but mostly we're thinking about what we want instead of what we want. Maybe for our families because we're getting married older and we're not having a million boyfriends or whatever it is. We're actually just much more independent. So it's like what do we actually want? We want things. We want things to make us feel better. And it's obviously in this consumerist age and I think that's obviously what it's about. But if you want to compare it to a man with boy math and boy math is buying a ******* 40 inch flat screen TV and having no bed frame, right? You know what I mean, there's priorities in that.

Speaker B: Yeah, exactly. Or just never like, buying food.

Speaker A: Yeah. There's always beer in the fridge.

Speaker B: Right.

Speaker A: But there's never any actual ingredients. Yeah.

Speaker B: Or having not enough money, but buying some stupid motorbike. Yeah.

Speaker A: And obviously this is a generalization boys, we love you.

Speaker B: Yes.

Speaker A: But this is we all do it. It's priorities. It's personal priorities. And especially because 100% families.

Speaker B: Right. I think the point we're trying to make is that whether you are male, female, whatever, there are people that are good with finances and people that are not good with finances. Yeah. It is not connected to your gender. However, I think there is something with women that is a little bit different with men. I think that women, number one, generally do spend more money because even if you're a low maintenance girl, unlike us susie oh, God. We're very high maintenance. Although we do pay for our maintenance. Yes. If you have your hair done, your nails done, your eyebrows done, your eyelashes, honestly, you could go on forever. Literally any kind of procedure. And we live in a world which is so focused on what you look like, on what you look like, we pretend it isn't, but it completely is what you look like. And getting your juice from the right juice bar, getting your this from the right, this place, buying the latest yada yada, whatever it is, and all that costs money. And I think that women obviously will probably spend proportionally. I mean, if you take a whole cross section of women, they're going to spend more money than men on their self maintenance, aren't they? So I think that is one thing. You've got less disposable income, possibly. Probably. Maybe. Then I think the other side of it is that women it's still intimidating because I think the higher up the career ladder you go, there are less and less women for obvious reasons, because women go to have families, take time off, come back, whatever it is, but there will proportionally less women. I've experienced this. There are less women. The higher up the career ladder, the more kind of if you're in an entrepreneurial environment, there are less women. So I think maybe it's intimidating. It's not that you don't understand it.

Speaker A: It's just you're like, well, you find it's stupid to ask questions about things that you maybe feel like you should know because you're an adult and there's like you could just go to a bank and ask all these questions, but you don't want to. It's very intimidating, as you're saying, and where the **** do you get the proper financial information and how much money do you need in your bank account before you get that information? And do you get it right away? And if you don't, your parents aren't teaching it to you, who do you there's just all of these things, I think, that women aren't really comfortable speaking about or speaking that they don't actually know anything about.

Speaker B: Do you find that your friends so your friends are all sort of 28, 27, 29, that kind of early 30s, late 20s?

Speaker A: Yeah.

Speaker B: Do you find that they're financially literate or they all just like they don't know or they feel they should know, or they're not investing or they're not buying houses. They're not doing stuff compared to their male counterparts. Do you notice a difference?

Speaker A: Yeah, I think I have very little friends who have bought houses on their own. I do know people who have, and like the women who have. So it's not like I don't know one. And those are like late 20s, early 30s. They've bought real estate, even though I don't even know how you're doing that by yourself in this ******* economy. But anyways but there are, I think, most of my close friends, like, we don't talk about investments. That's not something that we're talking about in cocktail conversation. No, we're talking about things that ******* excite us and like real what I'm going to call real issues to us. Right. Which is what does that have to do like, men.

Speaker B: Yeah, that's what you're talking about. Relationships.

Speaker A: Yeah, because money is a very stressing point, I think, for women, too. And I think unless you have something serious to say about it or maybe you found a piece of information you want to share with your friends, you're not really talking about it that much as much as men are.

Speaker B: Yeah, I think a lot of men don't talk about it, and a lot of men mess it up. Just as many as women. In fact, if I think of the people I know, proportionally, the people who've messed up their finances are the men, not the women. But that's a huge general idea because.

Speaker A: It'S riskier they're more risk taking, possibly.

Speaker B: I just think it's the fallacy to think that women aren't smart in that area. I think there is this issue of it being intimidating. I think we are also living in an age and I showed you a quote today where let me see this quote again I'm going to show you because I think it is an issue that here we go. So it's a female has this Instagram account, and she said, me wants to be an independent woman with her own money and career, which is what most gen Z's, millennials Gen X's. That's what we believe. I was brought up to believe if you want something, you get it. You get a job, you work for it, you marry a man afterwards, but he's not the reason for getting money, if you like. And then she says, also, me wants to be a trophy wife. That does pilates and brunches. Yes. So I think a lot of women and I don't think that is a generational thing a lot of women are stuck between, yeah, I want to be girl power, girl boss, and all this but then I'd also quite like a guy who's like a really good provider and who can pay for all those things, too. You know, this whole thing about his money is my money and my money is my money.

Speaker A: Yeah, the ******* loot the idea. And honestly, you guys can hear more about our take on 50 50 relationships in one of our other episodes previously, if you want to hear a whole thing about it and what we think. But, yeah, I think a lot of people's relationships, they start with a partner, a new partner. I think a lot of it has to do with finances nowadays. I don't know if I'm going to go off with this man if he's not already financially independent. Women don't want to take care of men in the same way that we are, okay, being taken care of as.

Speaker B: A woman, if that makes sense, by men. But the irony is that hasn't changed. That's always been like that. That's nothing new, is that that's the thing, is that most women, if they're honest, they're like, that guy's, like, not in my economic bracket. He's not making the same money I'm making. Men don't see it like that. And actually you think, well, that's nice. Most men don't see it like that. They're not bothered. If you're making money, great. If you're not, you're not. Then a lot of men are like that. They're not bothered about it. And that's actually quite nice if you think about it. Whereas women are the complete reverse, which is not so nice.

Speaker A: Well, because we are the ones having these children if we choose to, and all of these things. And if you can't work for nine months or way more.

Speaker B: I mean, look, I get it. I totally understand it, I know I've lived it. But I think then there is an element that some guys will say, hang on a second, you can't have your cake and eat it, and there's an element of truth to that. So what I think is I don't have an answer to this. I just think it's all very, very confusing. And I think young women do. Oops, I've just dropped my phone. Young women perhaps are not as good at finances than young men, but is it because of guidance? Like, in my case, for example, I bought my first property when I was 23. Yeah, but that was because my father just kept going on and on, like, you got to do it, got to do it, got to do it, got to do it, got to do it. Get a pension, get a pension, get a pension. And so I did it. And so I had a pension. My friends thought I was mad. Had a pension.

Speaker A: I don't know what a pension is.

Speaker B: Like a pension fund.

Speaker A: Like, I had a we have that in women.

Speaker B: Yeah, of course.

Speaker A: We have a girl math pension in Canada.

Speaker B: Yeah, okay. Yeah. So you can put the simplest yes. You know, investments and shares and stuff like that. I did that at a young age because I was told to do it. I was guided. The guidance was, you need to do this. You need to get on with it. And the greatest decision I ever made was actually to buy my first property, because my first property doubled in value, and I bought another property, doubled in value, and on it went. But that came, to be fair, from guidance from someone else. It did come from my father, but I don't think it necessarily has to come from your father. I say stuff to my girls. I don't think that's about him obviously being a man. He's a dad. But I think it's about having some solid foundation, and I think we live in a time where everything is so out of control, expensive. I mean, I was talking to my daughter the other day, and she's at university, and she's like, oh, I'm not going out that much because it's so expensive. And like you just said, you could go to have ramen, and it would cost you, I don't know, $60. Exactly. You could order sushi on Uber, eats oh, my God, and be at home, and it's $75. And that's not that much food.

Speaker A: It's more expensive to deliver nowadays.

Speaker B: I think it could be okay. Obviously, if you make your own food and stuff, it's cheaper. But of course you want to go out. You want to do some things, but you can't even go. I mean, I haven't been to the movies for, I don't think, about 25 years. But what does that cost now?

Speaker A: It's expensive.

Speaker B: It must be outrageously expensive.

Speaker A: It depends. Like, we only do the VIP theater, obviously, because you want the experience. You want to drink while you're drinking. When you're watching a movie and you.

Speaker B: Don'T want a nice seat, sit a puddle of God.

Speaker A: No, you want a nice seats. It's really great. You're going out to the movies anyways, have the experience. But yeah, it's at least $25 a ticket for that. So it's $50. You're going with someone else. You're getting popcorn. I'm sure a small one is like, $15 for ******* popcorn.

Speaker B: Something that's so disgusting. Exactly. And then clothes are so expensive.

Speaker A: Oh, my God.

Speaker B: Everything proportionally. Obviously, I made less so that things cost less and so on, but it was less. But I don't know if it's also about expectations. In my generation, if you were going to buy a property, you knew it wasn't going to be in Rosedale. I'm using in some really amazing place, and I hear a lot of conversations with younger people, millennials, Gen Z's, and they're like, no, I want to live in this area. You're like, no, that's not the way it happens. You got to start and live in a neighborhood that may not be the greatest, but you get on the ladder and then you'll eventually get and you buy the best thing you can at the best location you can. I don't think that's really changed. And you keep going. Yeah, but of course you're not going to start by living in a mansion in the middle of Forest Hill, but.

Speaker A: Even the ******* shitholes.

Speaker B: I agree.

Speaker A: A million dollars.

Speaker B: I agree. But the difference is, and here we're going to get into a whole generation thing, is that when I was younger, it was also outrageous. I borrowed so much money, right, my first place and then my first house that I bought with Max, we were up to our neck in it. We borrowed way more and we took a massive risk and it paid off. And that's what most of my friends did. It was not in any way proportional to what we were earning. We couldn't afford it. We were like borrowing 3456 times what we were earning. But we took that risk. It was a little bit of a different environment, but the assumption I mean, I'm not a boomer, right? It didn't cost like $20,000 to buy a house. Of course it's gone up now and it's so out of control. And I would agree. It's like your salary hasn't gone up in proportion, like the basic things. A million dollars and the salary has not gone up five times. I get that. But it was already bad when we were buying houses and stuff like that. I think there's a mindset shift, though, that there is less I see it more and more. Less worry about the future. Like I was always worried about the future. And I think younger people and that sounds very patronizing, but are less worried about the future because it's kind of depressing if they think about the future.

Speaker A: So depressing.

Speaker B: So you focus on the moment and you focus on, I'm going to have those nice shoes, I'm going to have that nice meal I'm going to do. And I actually do really understand that, because when you start to go, hang on a second. If I want to buy the shittiest house in Toronto, I'm at a million dollars already. Maybe you can buy something less than someone who can come for me for saying that. But you can't buy very much in cities like London, Toronto, New York, Paris, even in smaller cities, vancouver, Los Angeles, you cannot buy very much.

Speaker A: I'd have to go back to Edmonton. I want to do that.

Speaker B: Mel well, I understand that, yeah. And so I understand desire to live in the moment. So then what happens? The desire to live in the moment is, I'm only making $50,000 a year. I really shouldn't be buying $800 shoes, but **** it, I've got to find a way of justifying it. And that's your girlma.

Speaker A: And here we go back. Do it.

Speaker B: That's it, isn't it, though? That's what it is. No, that is what it is.

Speaker A: I mean, I think because you've been through it. And you're quite knowledgeable.

Speaker B: Mal I'm quite knowledgeable.

Speaker A: How does one get started with being financially responsible with what they have? And how do you invest properly if you're just a woman who kind of knows nothing? What do you tell your daughters kind of thing?

Speaker B: Well, that's a very good question. I mean, I'm a big believer in property, even though the market is very dubious and very expensive and like, fluctuating and there's issues, interest rates and so on, and the rate of inflation, whatever. But I do believe in investing in property and I believe in buying the best thing you can and the best location you can. That's always worked for me. But in terms of how do you get the best advice? Well, to be fair, there is a lot of stuff you can read. I know. The problem is it's really boring. Yes, that is the problem, it's very boring. But what do I say to my girls? I tell them that they've got to be self sufficient, they can't go and marry a man and a man's going to take care of everything. However, they're both quite sensible, knowing that they are going to have to marry a man who can kind of pay.

Speaker A: For some of the bills.

Speaker B: Yeah, they're not like I'm marrying some starving artist. They're pretty clear on that. You fall in love with who you.

Speaker A: Fall in love with.

Speaker B: I completely agree. I completely agree. And in their case, though, it's role model. They see their dad, who works all the time, very hard and always works for us. Like always, we're first, and they see that, so they have that role model. They see their father, they also see their father respecting their mother, that I've always worked at different paces and levels because of kids and stuff, but I've always worked I've never taken time off for work, and they've seen that. So I do think that's quite a good role model. However, I would like to reiterate that sometimes that's not possible. And we talked about this earlier, the cost of childcare is so expensive that sometimes women do, or men, in fact, take the decision to step away from the workforce a little bit to look after children, because it's actually cheaper. But going back to this, how do you get advice about investing? Well, you can find a financial advisor. I think you should start thinking about what you want in life, what's important to you. And you do kind of have to think about the future, because you won't be 28, 25, 23 forever, and you think it's expensive now, it's just going to get worse and worse and worse. I know that's a bit depressing.

Speaker A: No, I mean, it's all depressing, mel I'm just going to put it right out there. But I think women like my age now, millennials and Gen Z, because they're getting up there too. Gen Z's don't think you're just this young little babies anymore.

Speaker B: There's a generation after you.

Speaker A: Yeah, it's ****** up. And I think we're starting to think more obviously, we've had to think about it. We're in the economy, but we've started to think about it more on how do we make more money for longevity, like how do you invest properly and how do you make money while you're sleeping, kind of thing.

Speaker B: People have side hustles is what you mean. People are very we have to have everyone's talking about side hustles. Yeah, I think you do. I think basically it's about balance. It's like anything. It's like whether it's what you eat, what you spend, whatever, it's all about balance. So sometimes you might have big purchases, but the reality is, if you are making $100,000 a year, you cannot be driving a Ferrari, you cannot be wearing Prada underwear. There's a reality, and you have to think about what do you want in life? And if your goal is to have a really gorgeous house, an amazing car, yada yada yada, amazing vacations, then you're going to have to make that money. And while you're making the money, you're going to have to put some money aside. However, that's all very simple to say, because I know that sometimes the reality is you can't actually do that. Sometimes you can't put money aside and you've got to live. And I think you've got to balance all those things. I mean, I know some people who are really frugal and they never spend any money, but they're really boring, right? So you've got to balance it. You've got to say, well, of course I've got to enjoy myself, but I've got to try and put some money aside, and I've got to try and make that money grow for me, whatever it's doing. Whether you've bought a property, whether you've rented that out, whether you're investing in the stock market, which is incredibly volatile and very difficult. And one piece of advice I was given, and I think is really important, is you can't invest in something, money that you can't afford to lose. So if you have $50,000 and you put the entire 50,000, you invest in one thing that could go to **** in a hand bucket. Well, you can't do that. You've got to be smart. Right? But the other thing is you probably need to take some risks. But I'm a big believer in measured risk, so that any money you invest in something, you kind of have to be able to afford to lose it. Yeah. So you got to be very careful in that sense. But I don't think there's any hard, fast answer, and I think a lot of it is luck. Like the property market. I happen to have done well in that, but it's luck. But it was also risk because I borrowed lots of money.

Speaker A: But they don't even give you money like that.

Speaker B: No, that's true. I mean, that is very difficult to borrow. That. Kind of money anymore, but you probably don't want to be doing it stressful. Yeah. And in the market that we're in today, oh my gosh. I mean, it's only going to get worse. I think in Canada it's going to get worse before it gets better. In terms know interest rates. And that's already happened in the UK. And I know many people whose mortgage has tripled, quadrupled.

Speaker A: ****.

Speaker B: And most of us have been living in this era for quite a long time where we've not worried about interest rates, we've not worried about our mortgage payments. And we didn't really think about that when we bought the house to how much money we borrowed. And now there is a real reality. There are going to be a lot of foreclosures, a lot of people in a lot of trouble. And I understand because the other thing is the desire to have so much stuff all the time. You buy a house, you have to have the latest kitchen, you have to have the latest this, you have to have the latest that. Well, sometimes you just can't and you have to wait. It's not going to kill you. And that's the other thing. It's like you can't have everything all the time, all at once is something I it's just sad.

Speaker A: I want everything all the time, all at once.

Speaker B: Yeah, I get that.

Speaker A: I hate when you don't have you want everything, but you're actually having the least of everything. You know what I mean?

Speaker B: I do, sorry. I do understand that and I think it's really hard. I really do. And the other thing we discussed this earlier is you think like at your age, oh, it's going to get better, right? I'm going to make more money.

Speaker A: It is, right?

Speaker B: Mel, please.

Speaker A: Oh my God.

Speaker B: And I'm going to make more money and it's all going to get easier. But then the problem is you just have bigger things. Like you're going to have a house and you're going to have maybe a nicer car and you're going to have whatever it is, your expenses just get bigger. And I heard this great thing the other day. Well, it wasn't great, it's kind of depressing, but it was this guy talking about it was like a Financy kind of podcast.

Speaker A: Do you like that?

Speaker B: That sound very girl mathy financy podcast. And he was saying that we think that it's only people like Millennials, Gen Z's, or people in a certain kind of doing certain kind of job that are living paycheck to paycheck. But in actual fact, there are people all across the socioeconomic landscape yes, I do. That are living paycheck to paycheck because just the more money you make, the more you spend. Because then once you can afford the Prada handbag, you're buying more than one Prada handbag, or you've got kids going to private schools or you've got very expensive holiday. Have you seen how much vacation costs? Holy ****. Always. I look at vacations, like, when you go to these sort of places, let's say you're going to Mexico or something like that, and you got this all inclusive stuff and you're like, are you having a laugh? Yeah, I mean, it's like 20, 30, 40 grand.

Speaker A: You're like, oh, my God.

Speaker B: I mean, what? I don't want to do that. And it's just crazy cruises. I mean, the cost of this stuff is insane, but the more money you make, the more you spend, the more there's this thing of wanting everyone to think that you're successful. I think that's the other thing. Everyone should stop worrying about that. Stop worrying about what everyone else thinks. Don't buy your car based on the fact that you're worried that people are going to think, oh, if I'm driving a beat up Mazda, everyone's going to think I'm broke. No, you're probably smart that you've got a beat up Mazda. Yeah. And I think people worry about that way too much where they live, what the kitchen looks like.

Speaker A: It's like, you don't need the black American Express card yet. You don't need that.

Speaker B: And you do have to pay the bill.

Speaker A: Yes, of course you do.

Speaker B: I mean, some of my friends, years gone by, they didn't realize that, oh, no, they sort of got the bill and they're like, oh, right.

Speaker A: Oh, this isn't my money.

Speaker B: I have to pay for this now. You're like, yes, you have to pay for that. Yeah, it's a mess. It's a mess.

Speaker A: It's really hard. I mean, credit card debt, everyone's in credit card debt. Not everyone, but, like, there's a huge amount of credit.

Speaker B: Most of the world credit card debt. Canada is one of the most highly leveraged countries in the world, like credit card debt or people with lines of credit on their house. Because, of course, when you buy a house which costs you a bajillion dollars, generally, you've got to redo the kitchen, redo this, redo that, and that the cost of a new kitchen. Oh, my God, it's eye watering. So, yeah, everyone is in huge amounts of debt and it's not good, is it?

Speaker A: Such a lovely note.

Speaker B: Just it's really depressing. It's really depressing. But we did want to say that women are smart. They're not just dumb, that they think.

Speaker A: That cash is that's exactly it. I think we have to give ourselves more credit. Obviously, this girl math thing is funny and we are connecting in ways that are self deprecating. This has always been the thing.

Speaker B: Yeah, it is self. And I get it's funny, but I think that it's also like, it's not very complimentary. And women seem to like to do this. We like to put ourselves down in order to be funny. And why are we doing that? I don't know. Why don't we say something really great about women and laugh about that?

Speaker A: I don't know.

Speaker B: Because it's not funny. Well, then we're going to find something. Susie. Anyway, that's all I have to say on the matter.

Speaker A: That's okay. I love that. I think your advice is very helpful for other women and other men, people who are just, like, trying to find their financial way in this life where it's so confusing. There's so much to invest in. There's so much **** to buy. You don't know whether to invest in real estate because it's so ******* expensive, or, like, the stock market. It's a hard little future we're dealing with. But I think the one thing is, like, not buy more than you need.

Speaker B: In a huge sense.

Speaker A: Obviously, there's always going to be those purchases that you're not going to say no to for yourself.

Speaker B: No, I understand that.

Speaker A: But, yeah, like you said, not buying that one $200 product handbag if you really don't need it or really can't afford it.

Speaker B: Well, yeah, if you can't pay the grocery bill, it's probably a good sign. Yeah.

Speaker A: You can't eat your product.

Speaker B: You can't eat the bag. And you really don't want to.

Speaker A: No.

Speaker B: Even if it is timeless.

Speaker A: I've tried.

Speaker B: Yeah, you just don't or do what you go to consignment stores and stuff.

Speaker A: ******* love consignment.

Speaker B: Well, that's a great thing.

Speaker A: That's also the thing. There's ways to find good deals, right? Oh, my God, I'm such a deal *****.

Speaker B: Yes, I am, too. And the other thing is, like, people and this is the last thing I will say is a good piece of advice. For example, here, if you shop at Shoppers and you buy stuff like that, you can get the points. It's like be really good at that. Collecting the points on your credit cards on stuff like that. Because it is actually quite amazing how they give you money back. Obviously you have to spend money to give you money. But be smart. Like, don't go shopping when there aren't points. You can wait. You really can wait for that lipstick until it's 20,000 times the points or whatever the hell the Shopper thing is. Just be clever about that. Or even like credit cards, buying stuff. And then you find that you might be able to my husband did this today. He was able to get a free flight because he on the points wow. From one of his cars. Just be smart about stuff like that. And if you just do a little bit of research, you can actually be really smart about it. And if you find it mind blowingly boring, then maybe ask a friend who doesn't find it mind blowingly boring.

Speaker A: We love a deal.

Speaker B: And then they could make it easier for you and then do it.

Speaker A: Shoppers sponsor us.

Speaker B: Yes. I'm a big fan of Shoppers. I'm very good at the points. I'm a ninja.

Speaker A: I love the points.

Speaker B: I'm really good. And Black Friday is coming up, so you've got to get your points for that.

Speaker A: Ladies, you heard it here first.

Speaker B: Yeah. Got my Dyson hairdryer on.

Speaker A: **** you. I did.

Speaker B: I didn't pay for it. I felt so much better about that is girl math. But that's good girl math.

Speaker A: There's good girl math and there's bad girl math.

Speaker B: I did have to spend the money to get. But anyway, you made the point.

Speaker A: You had to spend that money anyways.

Speaker B: Exactly. I would have spent it twice. Yes. There you go.

Speaker A: Done.

Speaker B: Done. That's it. That's all we have to say, folks.

Speaker A: If you guys have other financial questions that you want to ask Mel, because she is very knowledgeable. Even though she's cute and pretty, she's still a girl. But she's good at math.

Speaker B: Thank you.

Speaker A: Absolutely. You can always DM us. You can go to our website,, and you can leave us a voicemail talk about your financial situation. Do you have other good girl math advice that you want to give the other girls?

Speaker B: Exactly. And we'll put some resources on our blog so that you can connect with the right connect.

Speaker A: Okay, darling, I think that's next nest. Save your nest eggs, everyone toodles. Sharing my Truth pod is so excited to partner with, where the A in Vibrator is the number eight. This is an extremely exclusive code where no other podcast has it. If you go to right now, use the code Ms 15. That's Ms 15 at, you can now get 15% off anything in store that's any sex toys for you, your partner, your neighbor, your mom. We don't judge, we don't care.

Speaker B: Get it?

Speaker A: Now go to the link in our bio, put in the code and get jiggy with it.

Speaker B: Thanks so much for listening. Please rate and review this podcast and follow us on social at sharingmytruthpod and leave us a voicemail on our to share your stories and experiences with us. We'll see you next time.

Speaker A: Bye bye.

Speaker B: Three, two, one. Yeah, don't get.

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