This episode is sponsored by Capital One.

Let's be real, how many times have we committed to something thinking it would be one thing? And then it turns out to me very much not that. Like the time, I thought I could just do a light refurb on my house, you know, a fresh coat of paint, maybe some new cushions. And suddenly I'm five Pinterest boards deep, crying over tap handles and a very complex budget spreadsheet. We all know expectation doesn't always meet reality, and that is why Capital One created Quick Check. With Quick Check, you can check if you're eligible for a Capital One credit card

in just 60 seconds without affecting your credit score, and you'll always know the APR you'll get

before applying. So you know exactly what you're signing up for. Credit with no nasty surprises.

That's one good thing. Search Capital One, 34.9% APR representative variable. T's and C's

apply. This episode is sponsored by SAGE and their AI powered productivity assistant, Sage co-pilot.

It's no shock that I absolutely love a productivity tool. And if you listen to Episode 132,

you'll also know that I finally did a deep dive on working with AI. As a business owner, I know

how important it is to keep your

business evolving and Sage gets it too. They have over 40 years of experience supporting British

businesses and now they've developed AI to help solve business problems. Sage co-pilot is useful but

not overwhelming. It's more than artificial intelligence. It's based on the promise of authentic

intelligence. So whether you need help with VAT returns, chasing payments or just trying to stay on top of your finances, it's designed for real business owners. It even analyzes your numbers, flags when profits are dipping, and shows you exactly where to cut costs, helping you make smarter decisions faster. It's perfect for startups and scale-ups like mine where you just don't have the luxury of time to dig into spreadsheets for hours looking for answers to your questions. Save time, cut the stress and give yourself the freedom to focus

on what actually matters. To see how SAGE co-pilot can transform your business, search SAGE

co-pilot. What is up? I'm Grace Beverly and welcome back to Working Hard, the podcast

shape guide book on how to improve your own life and achieve what you actually dreamed

of doing because life's too short for boring podcasts and bad advice.

What is up and welcome back to Working Hard.

Today's guest is someone that I am so excited to have on, not just because she's a

world-renowned clinical psychologist, but because I have followed her work for years and I

think she is absolutely incredible. Dr. Julie Smith is a best-selling author, an NHS-trained

psychologist and one of the

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