WEBVTT

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My name is Luna.

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I'm a transgender woman.

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And I want big tits.

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We are going to the seaside.

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We'll get you some ice cream.

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Does anyone know Luna's story?

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Hi, my name is Luna, I'm 30 years

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old and I live in Brighton.

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Unfortunately, I'm a bit of a money

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hoarder and I really need your help.

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Work and the beach.

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What more could you want? Oh, there
you are.

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We are here to help you.

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I heard that you've been saving hard

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and you're a really good saver.

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But now it's time to get you to

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invest in you, which is the best

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investment you can make.

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Absolutely

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I couldn't agree more.

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Should we start with your mindset

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first? Yes,.

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Let's do it.

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So the first thing I really want to

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know about is what did you learn

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about money growing up?

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My parents kind of didn't really

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have a lot of money when I grew up.

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So I basically had

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that mindset continuously.

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So when I reached like adulthood, I

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essentially thought I don't want to

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be in any debt.

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So therefore I saved all my money,

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wouldn't spend it on anything, and I

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just put it all in one place, like

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a little pot of gold.

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Would you describe yourself as a

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money hoarder?

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Absolutely.

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I like seeing my money in one place.

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If I was to move that or separate

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it, I'd kind of feel that

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I've lost it.

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You've got this money sat there.

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What are you intending it for?

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It's quite personal.

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So I am currently going through

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transitioning.

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Like male to female.

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I want to appear more outsidely

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as a woman. And one of the main

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things I want is a breast

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augmentation or, well, boob job

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to put it clearly.

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Yeah. Yeah.

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For me, I think as a trans woman,

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I like the idea of feminising my

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body so I reach the gender that I

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have, that's inside of me.

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Being able to be more comfortable

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with your body and actually on the

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outside now as well.

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It just would make me happy.

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Yeah.

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I was like, What do I want my money

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for? And that's the only thing that

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stands out to me.

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That's the thing that's really,
really

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there for you. Okay.

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Saving money is a

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healthy habit, but it becomes

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a problem if it is at the detriment

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of everything else your money needs

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to do.

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Once you're aware you need to make a

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change, start small

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and build slowly.

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For example, start moving your

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savings to a place that's out of

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sight and get used to not

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needing to check in on it every

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single day.

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What I will say is there's a lot of

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value in separating up your

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accounts.

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You know, right now you've got
everything

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in one place because you want to see

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all. But when you separate it up, it

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gives you a better track of your

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finances.

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You can see your expenses.

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You can see exactly how much you've

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got, and not have to kind

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of guesstimate where you're at.

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You know exactly where you're at.

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My second tip to you would be

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to have an emergency fund.

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Having that financial safety net.

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Yes.

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Right it's a big thing for you.

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So having an emergency fund will

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help you to know that you've got

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a pot of money there dedicated to

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whenever you need it. If something

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happens, you know you've got that

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money to fall back on.

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Okay.

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What I would say is to figure out

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an amount that's comfortable for

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you, right?

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It might be two, three hundred,

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whatever it looks like for you and

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your finances and put that

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away every month so you can start to

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build up that emergency fund.

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You don't need to rush and take it

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out of the money you've saved,

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because I know that is towards your

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bigger goal.

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You can just start gradually going

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forward, picking an amount and

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putting that away into the emergency

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fund so you've got that, right.

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That sounds good.

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My top tip is to

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plan out your financial goal.

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Once you have a goal in mind it's a

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lot easier to put it into practise.

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With this you can work backwards.
Work

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out how much you need to save, when

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you want to save it by, and this

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will give you monthly amount to put

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away each month.

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That way you can reach your goals in

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the timeframe that you want.

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In my mind, when you come to save,

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you just like put like a

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thousand away when in fact you can

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just put like 20.

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Obviously, up into this point,

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you've been hoarding your money in

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one account.

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But it's never too late to make that

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change.

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So, Luna, tell me, how much have

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you saved so far?

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About seven grand.

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Okay.

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I'd say I'm on the seven grand mark

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now.

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Okay. And the target is?

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So, see I wanna say it's ten

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grand, but I want to say maybe

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put it at 11 just so I have

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everything covered.

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Okay.

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I could honestly do this, do it this

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year if I wanted to.

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What worries me the most is like if

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I spent all that money at once, I

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will no longer have my security,

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my safety net.

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If you have to say your fixed cost

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are like, you know, rent, gas,

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all that type of stuff, what would

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you say that amount is?

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Probably 1600.

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If we looked at having you know

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that, three times of

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that. Your real target is

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16.

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16 Yeah.

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Yeah. Because that that means that

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you have enough money to pay for the

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surgery as well as have enough money

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for emergencies and the

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savings. I think it'd probably be

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good to stop just having all your

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money in cash and start to look at

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maybe investing a bit.

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Okay.

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Some of these allow you to start

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from a pound or £50

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or £100 so you can start at

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something that's comfortable to you.

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Sure.

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And then in six months time review

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it. If you feel like, okay, actually

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I get this now a bit more, you can

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increase it, or in 12 months time,

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whatever you feel.

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So even if we just start with small

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amounts and get you confident, get

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you seeing how it works, I think

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that's something that we should look

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at going forward.

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The great news about investing is

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that anyone could start investing

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with an amount they feel comfortable

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with. You don't need to have a large

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amount to see a decent return.

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It's really important to remember

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with investing that you're not

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guaranteed to get back the amount

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that you put in. So it's vital that

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you balance how much risk you take

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with your investment.

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So always bear in mind,

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the more potential return you can

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get it normally means the more

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risk you're taking.

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So always read the small print.

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Yeah guys, I got a message from

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Luna, so let's see how she's been

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getting on.

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Hi, guys. It was amazing meeting

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you, and I just wanted to thank

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you for all the advice and tips that

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you gave me.

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Nikki, I am working a lot on

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reframing my mindset when it comes

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to money. A lot more optimistic

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about my money at the moment and

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going forward, I feel like I'm

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more in a positive place in terms of

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like not feeling like I have to

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hoard everything.

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Kia I am currently

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in working on getting like a new

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savings account and what I've mainly

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been doing is taking your advice on

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how to separate things for apps in

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terms of giving them titles so I can

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get like a rest fund and just title

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it like Boob Fund and I

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quite like that a lot.

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So I've been adding that in.

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And Emmanuel, I have been saving

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money for like a rainy day.

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Like recently my phone got stolen

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and that took a big dent

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into my savings.

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Eventually, I think I'm going to

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look into maybe even a little bit of

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investing when I feel brave enough.

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Excellent. Excellent.

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Thanks very much, guys.

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Come on, come on, come on.

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That was so nice.

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I'm so happy to see that she started

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an emergency fund. She can start to

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feel a lot safer with her money and

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not feel as like she needs to be,

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you know, hold it all together and

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hoard it.

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Yeah, and I know it can be hard with

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more open accounts, it's a lot of
work to

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begin with, but once you've done it

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now your automated.

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Not have to worry about it, don't

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have to think about it.

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Like clockwork.

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Exactly.

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It's done. But this is such

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an emotional journey for Luna isn't

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it and this is the start of it is so

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exciting.

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I love seeing how she's just

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changing and flourishing with

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everything we've helped her with.

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So yeah.

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Yeah.

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I can't wait to see the next chapter

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for her.

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I know.

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I'm super excited. Oh my gosh.

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Guys we've done it again.

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Right hands in. Three, Two, One

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Woo.