Feeling the pinch? The cost of living crisis is hitting everyone hard. But talking about money can be awkward! This episode equips you with the tools to have open and honest conversations about finances, how to break the money silence and initiate healthy conversations with loved ones, friends, and even colleagues. Learn how to navigate budgeting, expenses, and financial goals during challenging times as Vanessa Stoykov shares the secrets to mastering effective money management and financial education. Through her personal journey and extensive experience, Vanessa talks about the crucial balance between income and savings, with her mantra "It's not what you earn, but what's left over" that truly matters. Join us as we explore Vanessa's unique approach to money, making this touchy subject both accessible and empowering. Timestamps 00:00 - Intro 0:27-0:50 - Vanessa’s Personal and Professional Journey 1:15-2:07 - Financial Decisions and Conversations in Mid-Life    2:08-4:12 - Wealth Creation, Property Investment, and Financial Planning 7:05-7:50 - Discussion on Delayed Gratification and Expectations 16:09-16:38 - Seeking the Right Financial Advisor 34:45-35:00 - Government Implications for Property Intervention 38:51-39:47 - Accepting You Can Be A Renter About Vanessa Stoykov: Vanessa Stoykov is all about making money matters simple and relatable for Australians. With over 20 years of experience, she understands the importance of talking openly about money to achieve financial freedom. Leading Evolution Media Group for 22 years, Vanessa has become skilled at explaining complex financial topics in ways everyone can grasp. Through storytelling, TV production, and writing, she helps people make smarter money choices. Connect with Vanessa: Follow Vanessa on LinkedIn: https://www.linkedin.com/in/vanessa-stoykov/ Follow Vanessa’s Facebook: https://www.facebook.com/vanessastoykovbrand Follow Vanessa’s Instagram account: https://www.instagram.com/vanessastoykov/ Visit Vanessa’s website: https://vanessastoykov.com.au/ About Aaron: Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years. With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth. Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast’s Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/ Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavid Follow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/ Subscribe to Atelier Wealth’s YouTube Channel: https://www.youtube.com/@atelierwealth_au