My name is Luna.
I'm a transgender woman.
And I want big tits.
We are going to the seaside.
We'll get you some ice cream.
Does anyone know Luna's story?
Hi, my name is Luna, I'm 30 years
old and I live in Brighton.
Unfortunately, I'm a bit of a money
hoarder and I really need your help.
Work and the beach.
What more could you want? Oh, there you are.
We are here to help you.
I heard that you've been saving hard
and you're a really good saver.
But now it's time to get you to
invest in you, which is the best
investment you can make.
Absolutely
I couldn't agree more.
Should we start with your mindset
first? Yes,.
Let's do it.
So the first thing I really want to
know about is what did you learn
about money growing up?
My parents kind of didn't really
have a lot of money when I grew up.
So I basically had
that mindset continuously.
So when I reached like adulthood, I
essentially thought I don't want to
be in any debt.
So therefore I saved all my money,
wouldn't spend it on anything, and I
just put it all in one place, like
a little pot of gold.
Would you describe yourself as a
money hoarder?
Absolutely.
I like seeing my money in one place.
If I was to move that or separate
it, I'd kind of feel that
I've lost it.
You've got this money sat there.
What are you intending it for?
It's quite personal.
So I am currently going through
transitioning.
Like male to female.
I want to appear more outsidely
as a woman. And one of the main
things I want is a breast
augmentation or, well, boob job
to put it clearly.
Yeah. Yeah.
For me, I think as a trans woman,
I like the idea of feminising my
body so I reach the gender that I
have, that's inside of me.
Being able to be more comfortable
with your body and actually on the
outside now as well.
It just would make me happy.
Yeah.
I was like, What do I want my money
for? And that's the only thing that
stands out to me.
That's the thing that's really, really
there for you. Okay.
Saving money is a
healthy habit, but it becomes
a problem if it is at the detriment
of everything else your money needs
to do.
Once you're aware you need to make a
change, start small
and build slowly.
For example, start moving your
savings to a place that's out of
sight and get used to not
needing to check in on it every
single day.
What I will say is there's a lot of
value in separating up your
accounts.
You know, right now you've got everything
in one place because you want to see
all. But when you separate it up, it
gives you a better track of your
finances.
You can see your expenses.
You can see exactly how much you've
got, and not have to kind
of guesstimate where you're at.
You know exactly where you're at.
My second tip to you would be
to have an emergency fund.
Having that financial safety net.
Yes.
Right it's a big thing for you.
So having an emergency fund will
help you to know that you've got
a pot of money there dedicated to
whenever you need it. If something
happens, you know you've got that
money to fall back on.
Okay.
What I would say is to figure out
an amount that's comfortable for
you, right?
It might be two, three hundred,
whatever it looks like for you and
your finances and put that
away every month so you can start to
build up that emergency fund.
You don't need to rush and take it
out of the money you've saved,
because I know that is towards your
bigger goal.
You can just start gradually going
forward, picking an amount and
putting that away into the emergency
fund so you've got that, right.
That sounds good.
My top tip is to
plan out your financial goal.
Once you have a goal in mind it's a
lot easier to put it into practise.
With this you can work backwards. Work
out how much you need to save, when
you want to save it by, and this
will give you monthly amount to put
away each month.
That way you can reach your goals in
the timeframe that you want.
In my mind, when you come to save,
you just like put like a
thousand away when in fact you can
just put like 20.
Obviously, up into this point,
you've been hoarding your money in
one account.
But it's never too late to make that
change.
So, Luna, tell me, how much have
you saved so far?
About seven grand.
Okay.
I'd say I'm on the seven grand mark
now.
Okay. And the target is?
So, see I wanna say it's ten
grand, but I want to say maybe
put it at 11 just so I have
everything covered.
Okay.
I could honestly do this, do it this
year if I wanted to.
What worries me the most is like if
I spent all that money at once, I
will no longer have my security,
my safety net.
If you have to say your fixed cost
are like, you know, rent, gas,
all that type of stuff, what would
you say that amount is?
Probably 1600.
If we looked at having you know
that, three times of
that. Your real target is
16.
16 Yeah.
Yeah. Because that that means that
you have enough money to pay for the
surgery as well as have enough money
for emergencies and the
savings. I think it'd probably be
good to stop just having all your
money in cash and start to look at
maybe investing a bit.
Okay.
Some of these allow you to start
from a pound or £50
or £100 so you can start at
something that's comfortable to you.
Sure.
And then in six months time review
it. If you feel like, okay, actually
I get this now a bit more, you can
increase it, or in 12 months time,
whatever you feel.
So even if we just start with small
amounts and get you confident, get
you seeing how it works, I think
that's something that we should look
at going forward.
The great news about investing is
that anyone could start investing
with an amount they feel comfortable
with. You don't need to have a large
amount to see a decent return.
It's really important to remember
with investing that you're not
guaranteed to get back the amount
that you put in. So it's vital that
you balance how much risk you take
with your investment.
So always bear in mind,
the more potential return you can
get it normally means the more
risk you're taking.
So always read the small print.
Yeah guys, I got a message from
Luna, so let's see how she's been
getting on.
Hi, guys. It was amazing meeting
you, and I just wanted to thank
you for all the advice and tips that
you gave me.
Nikki, I am working a lot on
reframing my mindset when it comes
to money. A lot more optimistic
about my money at the moment and
going forward, I feel like I'm
more in a positive place in terms of
like not feeling like I have to
hoard everything.
Kia I am currently
in working on getting like a new
savings account and what I've mainly
been doing is taking your advice on
how to separate things for apps in
terms of giving them titles so I can
get like a rest fund and just title
it like Boob Fund and I
quite like that a lot.
So I've been adding that in.
And Emmanuel, I have been saving
money for like a rainy day.
Like recently my phone got stolen
and that took a big dent
into my savings.
Eventually, I think I'm going to
look into maybe even a little bit of
investing when I feel brave enough.
Excellent. Excellent.
Thanks very much, guys.
Come on, come on, come on.
That was so nice.
I'm so happy to see that she started
an emergency fund. She can start to
feel a lot safer with her money and
not feel as like she needs to be,
you know, hold it all together and
hoard it.
Yeah, and I know it can be hard with
more open accounts, it's a lot of work to
begin with, but once you've done it
now your automated.
Not have to worry about it, don't
have to think about it.
Like clockwork.
Exactly.
It's done. But this is such
an emotional journey for Luna isn't
it and this is the start of it is so
exciting.
I love seeing how she's just
changing and flourishing with
everything we've helped her with.
So yeah.
Yeah.
I can't wait to see the next chapter
for her.
I know.
I'm super excited. Oh my gosh.
Guys we've done it again.
Right hands in. Three, Two, One
Woo.