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92. An adventurous 19-year-old

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Content provided by Ruth and Ruth - Personal Finance Blogger. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Ruth and Ruth - Personal Finance Blogger or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.

MONEY JOURNEYS - EPISODE 92

What's In This Episode?

I met 19-year-old Josephine in mid-2023 when she emailed me with some questions about money. I actually already knew a little about her because her Mum and I have been in contact for a number of years, chatting about personal finances over email. Josephine hoped that I might be able to answer a few of her questions too. She mentioned that her Mum had sparked an interest in personal finances in her, which had led her to do a lot of reflecting on her money skills. She had been out of school and working for a couple of years, managed to save up a solid chunk of money and was planning on heading into study in 2024. Her intention was to get through her study with no student loan, which is entirely possible to do, if you plan well ahead. However, there was one small problem. She had caught the travel bug, and with a huge urge to travel, she knew it had the potential to be pricey. Her question to me was how could she balance living in the now while planning for the future and how could she set herself and her pūtea up to do both. So, the emails back and forth began, and I learned enough about Josephine to know that she would make an inspiring guest for my podcast.


THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.


SUBSCRIBE to The Happy Saver Podcast
wherever you listen to podcasts and never miss an episode.
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113 episodes

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Fetch error

Hmmm there seems to be a problem fetching this series right now. Last successful fetch was on August 06, 2025 00:19 (16d ago)

What now? This series will be checked again in the next day. If you believe it should be working, please verify the publisher's feed link below is valid and includes actual episode links. You can contact support to request the feed be immediately fetched.

Manage episode 404856149 series 2501771
Content provided by Ruth and Ruth - Personal Finance Blogger. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Ruth and Ruth - Personal Finance Blogger or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.

MONEY JOURNEYS - EPISODE 92

What's In This Episode?

I met 19-year-old Josephine in mid-2023 when she emailed me with some questions about money. I actually already knew a little about her because her Mum and I have been in contact for a number of years, chatting about personal finances over email. Josephine hoped that I might be able to answer a few of her questions too. She mentioned that her Mum had sparked an interest in personal finances in her, which had led her to do a lot of reflecting on her money skills. She had been out of school and working for a couple of years, managed to save up a solid chunk of money and was planning on heading into study in 2024. Her intention was to get through her study with no student loan, which is entirely possible to do, if you plan well ahead. However, there was one small problem. She had caught the travel bug, and with a huge urge to travel, she knew it had the potential to be pricey. Her question to me was how could she balance living in the now while planning for the future and how could she set herself and her pūtea up to do both. So, the emails back and forth began, and I learned enough about Josephine to know that she would make an inspiring guest for my podcast.


THIS WEEKS SPONSOR: This weeks episode is brought to you by PocketSmith.


SUBSCRIBE to The Happy Saver Podcast
wherever you listen to podcasts and never miss an episode.
Apple Podcasts - Spotify - YouTube Music - Castbox

  continue reading

113 episodes

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