1 00:00:00,160 --> 00:00:06,280 Speaker 1: No degree, no worries, six figure jobs without university degree. Hi, everyone, 2 00:00:06,360 --> 00:00:09,239 Speaker 1: welcome back to another episode of Sugar Mamma's Fireplay. I 3 00:00:09,280 --> 00:00:12,799 Speaker 1: am your host, Cannah Campbell, financial Planner, but I also 4 00:00:12,880 --> 00:00:15,120 Speaker 1: like to think of myself as your cheerleader when it 5 00:00:15,120 --> 00:00:18,599 Speaker 1: comes to creating financial freedom in your life and obviously 6 00:00:18,640 --> 00:00:23,160 Speaker 1: living a life filled with empowerment, independence and intention. Today 7 00:00:23,160 --> 00:00:26,880 Speaker 1: we're talking about something that doesn't get enough attention. It 8 00:00:26,920 --> 00:00:30,160 Speaker 1: is not celebrated enough, and that is the amazing six 9 00:00:30,520 --> 00:00:34,840 Speaker 1: figure careers that are out there that do not require 10 00:00:35,120 --> 00:00:38,760 Speaker 1: a university degree or a huge amount of student debt. 11 00:00:38,960 --> 00:00:42,400 Speaker 1: We've been sold this message that success only comes from 12 00:00:42,520 --> 00:00:47,559 Speaker 1: a higher education, degrees, nbas and expensive study paths. But 13 00:00:47,840 --> 00:00:50,400 Speaker 1: what I'm about to share with you proves that this 14 00:00:50,520 --> 00:00:55,280 Speaker 1: simply is not true. There are thousands of Australians earning 15 00:00:55,400 --> 00:01:00,600 Speaker 1: incredible incomes, doing hands on, essential and rewarding work, all 16 00:01:00,640 --> 00:01:04,200 Speaker 1: without racking up a single dollar of student debt. So 17 00:01:04,680 --> 00:01:07,400 Speaker 1: I want to shine a light on those jobs, the 18 00:01:07,400 --> 00:01:11,040 Speaker 1: money that they can really make and are making, of course, 19 00:01:11,080 --> 00:01:13,960 Speaker 1: the lifestyle that comes with them, and most importantly, how 20 00:01:14,000 --> 00:01:17,240 Speaker 1: to make the most of that income. So let's get 21 00:01:17,280 --> 00:01:31,520 Speaker 1: cracking all right, So no degree, no worries. Is this 22 00:01:31,720 --> 00:01:35,520 Speaker 1: really the truth? Yes, absolutely, you can earn great money 23 00:01:35,600 --> 00:01:38,680 Speaker 1: without going to university. In fact, some of the most 24 00:01:38,680 --> 00:01:43,080 Speaker 1: secure and highly paying jobs right now are in trades 25 00:01:43,319 --> 00:01:46,560 Speaker 1: and essential services. These are the areas that are soft 26 00:01:46,600 --> 00:01:50,600 Speaker 1: and overlooked and completely underestimated, and these are the roles 27 00:01:50,600 --> 00:01:54,400 Speaker 1: that are keeping our country running, from construction sites to 28 00:01:54,520 --> 00:01:59,080 Speaker 1: transportation to emergency response to logistics. These workers are the 29 00:01:59,240 --> 00:02:02,840 Speaker 1: backbone of our economy. And guess what, many of them 30 00:02:03,040 --> 00:02:08,519 Speaker 1: aren't just surviving, they're actually thriving financially. And these jobs 31 00:02:08,520 --> 00:02:12,840 Speaker 1: are inclusive, accessible and come with a lot lower barriers 32 00:02:12,880 --> 00:02:17,320 Speaker 1: to entry, which means more young Australian workers career changes 33 00:02:17,360 --> 00:02:19,239 Speaker 1: and even like parents who are returning back to the 34 00:02:19,280 --> 00:02:23,120 Speaker 1: workforce can actually step into these jobs and start earning 35 00:02:23,480 --> 00:02:27,920 Speaker 1: really good money really quickly. So exactly how much money 36 00:02:28,120 --> 00:02:31,440 Speaker 1: can you really earn? All right? So let's break it down. 37 00:02:31,560 --> 00:02:34,400 Speaker 1: You can actually earn a lot more than you might expect. 38 00:02:34,480 --> 00:02:37,840 Speaker 1: Even I was like quite surprised by some of these figures. 39 00:02:37,840 --> 00:02:40,680 Speaker 1: So a train driver can earn it anywhere between one 40 00:02:40,760 --> 00:02:44,400 Speaker 1: hundred and thirty thousand to two hundred thousand dollars a year. Electricians, 41 00:02:44,560 --> 00:02:49,080 Speaker 1: plumbers and trades often bring between ninety to one hundred 42 00:02:49,120 --> 00:02:51,600 Speaker 1: and fifty thousand dollars a year five OO so fly 43 00:02:51,720 --> 00:02:56,280 Speaker 1: and fly out workers, truck drivers, crane operators they're clearing 44 00:02:56,560 --> 00:03:03,080 Speaker 1: six figure salaries quite comfortably. And emergency call operators, security personnel, 45 00:03:03,320 --> 00:03:07,560 Speaker 1: warehouse managers. They're earning well above the average wages, especially 46 00:03:07,560 --> 00:03:11,480 Speaker 1: when you factor in over time and penalties. Now, when 47 00:03:11,520 --> 00:03:14,600 Speaker 1: I was in the makeup studio at Channel nine, I 48 00:03:14,760 --> 00:03:17,040 Speaker 1: was chatting with the makeup artist and she was telling 49 00:03:17,080 --> 00:03:20,639 Speaker 1: me that her nephew was earning two hundred and fifty 50 00:03:20,680 --> 00:03:24,000 Speaker 1: thousand dollars a year. He only just turned twenty and 51 00:03:24,120 --> 00:03:27,960 Speaker 1: he is an electrician doing fly and fly out at 52 00:03:28,000 --> 00:03:30,880 Speaker 1: the mines. Like imagine a twenty year old earning two 53 00:03:31,000 --> 00:03:34,200 Speaker 1: hundred and fifty thousand dollars a year, like insane. And 54 00:03:34,440 --> 00:03:37,920 Speaker 1: the thing is also these jobs come with bigger, better perks. 55 00:03:37,960 --> 00:03:42,320 Speaker 1: They're quite often getting shift allowances, over time, sometimes even 56 00:03:42,480 --> 00:03:46,240 Speaker 1: meals and accommodation provided travel benefits. And some of them 57 00:03:46,240 --> 00:03:48,400 Speaker 1: that are working for big corporates you know, such as 58 00:03:48,440 --> 00:03:51,560 Speaker 1: the mining companies, may be even entitled to their employee 59 00:03:51,640 --> 00:03:54,480 Speaker 1: share plan. So not only are they getting great job 60 00:03:54,560 --> 00:03:57,560 Speaker 1: security and great pay. They're actually being given the opportunity 61 00:03:57,560 --> 00:04:00,640 Speaker 1: to start building up an investment portfolio and a very 62 00:04:00,680 --> 00:04:03,520 Speaker 1: small fraction of that pie that they're working for. So 63 00:04:03,720 --> 00:04:07,720 Speaker 1: it's not just actually about income. It's about the opportunity 64 00:04:07,920 --> 00:04:13,160 Speaker 1: and potential to build wealth independently. So of course it's 65 00:04:13,200 --> 00:04:15,840 Speaker 1: not all, you know, positive and rosy. We need to 66 00:04:15,840 --> 00:04:18,960 Speaker 1: be aware of the actual pitfalls. Now. Whilst the money 67 00:04:19,080 --> 00:04:22,200 Speaker 1: is fantastic, we need to be aware of obviously, the 68 00:04:22,320 --> 00:04:24,960 Speaker 1: reality is that come with these types of jobs. Now, 69 00:04:25,320 --> 00:04:28,320 Speaker 1: most of these jobs are physically demanding. You might be 70 00:04:28,560 --> 00:04:31,600 Speaker 1: on your feet all day long, you might be exposed 71 00:04:31,640 --> 00:04:34,600 Speaker 1: to the elements, or working odd hours, or if you're 72 00:04:34,600 --> 00:04:37,479 Speaker 1: on the minds in dangerous conditions. You know, it's shift work, 73 00:04:37,640 --> 00:04:41,880 Speaker 1: it's maybe early morning starts, or being away from your family. 74 00:04:42,080 --> 00:04:45,880 Speaker 1: But these are real lifestyle sacrifices that you know, people 75 00:04:45,880 --> 00:04:47,920 Speaker 1: need to weigh up whether the money is worth it 76 00:04:48,000 --> 00:04:50,679 Speaker 1: or simply not. And of course there is that risk 77 00:04:50,760 --> 00:04:53,719 Speaker 1: of burnout and injury, particularly if you're doing something very 78 00:04:53,720 --> 00:04:56,640 Speaker 1: physical and if you don't take care of your body 79 00:04:56,680 --> 00:04:59,279 Speaker 1: or you're even your mental health. You know, mental burnout 80 00:04:59,360 --> 00:05:01,719 Speaker 1: is also real or if you're you know, fly and 81 00:05:01,760 --> 00:05:05,159 Speaker 1: fly out or working remotely, you know, isolation and fatigue 82 00:05:05,320 --> 00:05:09,240 Speaker 1: can really creep in, particularly over the long run, and 83 00:05:09,400 --> 00:05:12,520 Speaker 1: the nature of this work means that you obviously can't 84 00:05:12,560 --> 00:05:16,599 Speaker 1: always do this forever. So yes, it's incredibly lucrative, but 85 00:05:16,680 --> 00:05:19,000 Speaker 1: it does come with some trade offs that you need 86 00:05:19,040 --> 00:05:21,039 Speaker 1: to be aware of, you know, before you decide a 87 00:05:21,040 --> 00:05:23,279 Speaker 1: career path like this, or perhaps if you just started, 88 00:05:23,440 --> 00:05:25,880 Speaker 1: you know, you're aware of the potential changes you'll need 89 00:05:25,920 --> 00:05:28,440 Speaker 1: to consider further down the track. And that's really why 90 00:05:28,680 --> 00:05:32,400 Speaker 1: money management becomes essential for these people. So in part 91 00:05:32,520 --> 00:05:35,200 Speaker 1: five of this episode, I'll talk about how to actually 92 00:05:35,320 --> 00:05:39,840 Speaker 1: navigate these pitfalls with sense of financial wisdom, you could 93 00:05:39,839 --> 00:05:42,159 Speaker 1: call it. So next thing is how do you actually 94 00:05:42,200 --> 00:05:44,479 Speaker 1: get a foot in the door with these jobs. So 95 00:05:44,640 --> 00:05:47,360 Speaker 1: in most of these fields, you don't actually need a degree. 96 00:05:47,400 --> 00:05:51,680 Speaker 1: You just need training or certificates or even hands on experience. 97 00:05:51,680 --> 00:05:54,120 Speaker 1: And one of the best pathways is often like a 98 00:05:54,160 --> 00:05:56,560 Speaker 1: paid apprentice or at a traineeship, because that means you're 99 00:05:56,560 --> 00:05:59,920 Speaker 1: actually earning whilst you're learning. TAFE is also an app 100 00:06:00,000 --> 00:06:04,080 Speaker 1: absolutely brilliant resource. There are so many different courses you 101 00:06:04,120 --> 00:06:09,080 Speaker 1: can do, and there are programs that cover construction, healthcare, mining, hospitality, 102 00:06:09,320 --> 00:06:12,559 Speaker 1: transport and so much more, and many of these really 103 00:06:12,640 --> 00:06:16,120 Speaker 1: fast tracked and government supported. So there's a huge demand 104 00:06:16,200 --> 00:06:18,800 Speaker 1: for skilled workers right now. So you know, whilst you 105 00:06:18,960 --> 00:06:21,200 Speaker 1: might do your course, is not long before you're actually 106 00:06:21,200 --> 00:06:23,720 Speaker 1: in the workforce bringing in these big bucks. And the 107 00:06:23,800 --> 00:06:25,840 Speaker 1: key at the end of the day is they're looking 108 00:06:25,880 --> 00:06:29,080 Speaker 1: for people who are motivated, they're reliable, and they're open 109 00:06:29,160 --> 00:06:31,960 Speaker 1: to learning. You know, there are so many opportunities out 110 00:06:32,000 --> 00:06:33,719 Speaker 1: there for people who want to do this type of 111 00:06:33,720 --> 00:06:35,320 Speaker 1: work and really want to make the most of it 112 00:06:35,400 --> 00:06:37,680 Speaker 1: whilst they can. So as I said, you can really 113 00:06:37,680 --> 00:06:39,880 Speaker 1: be job ready and on your way to six figure 114 00:06:40,000 --> 00:06:44,160 Speaker 1: income in under a year, which is really exciting. Now, 115 00:06:44,160 --> 00:06:45,440 Speaker 1: as I said, I want to talk to you about 116 00:06:45,480 --> 00:06:48,120 Speaker 1: being financially wise with your money if you are contemplating 117 00:06:48,120 --> 00:06:50,919 Speaker 1: this career path or if you're already in this career path, 118 00:06:51,000 --> 00:06:53,440 Speaker 1: and this is something I really want to highlight. You know, 119 00:06:53,760 --> 00:06:57,360 Speaker 1: what you do with what you earn matters more than 120 00:06:57,440 --> 00:07:01,120 Speaker 1: how much you actually earn. Just let that sink in 121 00:07:01,200 --> 00:07:02,880 Speaker 1: for a second. What I'm trying to say is, it's 122 00:07:02,920 --> 00:07:05,080 Speaker 1: not about what you do. It's not about how much 123 00:07:05,120 --> 00:07:07,400 Speaker 1: you earn, it's actually what you do with what you earn. 124 00:07:07,600 --> 00:07:09,520 Speaker 1: You could be earning three hundred thousand dollars a year, 125 00:07:09,560 --> 00:07:11,920 Speaker 1: but if you're spending every single cent, what's the point. 126 00:07:12,480 --> 00:07:14,280 Speaker 1: I really want to make sure that people who take 127 00:07:14,320 --> 00:07:17,280 Speaker 1: this type of career path prioritize their financial wellbeing more 128 00:07:17,280 --> 00:07:21,440 Speaker 1: than any other group. And it's especially so physically demanding. 129 00:07:21,600 --> 00:07:24,360 Speaker 1: But he is the reality. You know, I've worked with 130 00:07:24,480 --> 00:07:27,120 Speaker 1: clients earning five hundred thousand dollars a year who are 131 00:07:27,160 --> 00:07:30,560 Speaker 1: financially stressed. They're up to their eyeballs in debt, and 132 00:07:30,760 --> 00:07:32,880 Speaker 1: you know, they're not making any real progress with their 133 00:07:32,920 --> 00:07:35,680 Speaker 1: financial affairs. In fact, they're most likely just treading water. 134 00:07:35,840 --> 00:07:38,840 Speaker 1: But then I've also worked with clients who, you know, 135 00:07:38,920 --> 00:07:42,040 Speaker 1: have worked in these types of jobs, and they're earning 136 00:07:42,280 --> 00:07:45,920 Speaker 1: sixty to eighty thousand dollars a year and they are thriving. 137 00:07:46,160 --> 00:07:48,840 Speaker 1: You know, I had one particular client who worked for 138 00:07:48,880 --> 00:07:52,560 Speaker 1: the Defense Force, and she always just learned to live 139 00:07:52,600 --> 00:07:55,480 Speaker 1: within her means and always invest whatever is left over, 140 00:07:55,560 --> 00:07:57,880 Speaker 1: and she actually makes more money out of her investment 141 00:07:57,880 --> 00:08:00,280 Speaker 1: portfolio than she does from her physical job. So if 142 00:08:00,320 --> 00:08:03,200 Speaker 1: you can see the difference, it's actually not the salary, 143 00:08:03,600 --> 00:08:06,360 Speaker 1: it's the strategy. So if you're in one of these 144 00:08:06,440 --> 00:08:10,400 Speaker 1: high income earning jobs or you're stepping into one like this, 145 00:08:10,680 --> 00:08:12,520 Speaker 1: here's what I urge you to do. Number one is 146 00:08:12,720 --> 00:08:15,600 Speaker 1: have an emergency fund. Build yourself a safety net. These 147 00:08:15,720 --> 00:08:19,040 Speaker 1: jobs can be mentally and physically draining it but they 148 00:08:19,040 --> 00:08:21,280 Speaker 1: also can be seasonal. You might work on a mind 149 00:08:21,320 --> 00:08:23,520 Speaker 1: until it's you know, everything's exhausted from that mind, and 150 00:08:23,560 --> 00:08:25,760 Speaker 1: then it eventually closes down. You need to be realistic 151 00:08:25,760 --> 00:08:27,080 Speaker 1: for that. So you want to make sure that you 152 00:08:27,160 --> 00:08:29,600 Speaker 1: have the right amount of emergency money for you and 153 00:08:29,640 --> 00:08:33,760 Speaker 1: your situation in a separate savings account, away from temptation 154 00:08:34,120 --> 00:08:36,600 Speaker 1: and really try and focus on building that up as 155 00:08:36,640 --> 00:08:39,480 Speaker 1: a priority before you start doing other things such as investing. 156 00:08:39,640 --> 00:08:41,560 Speaker 1: The next thing is that's really important, is it your 157 00:08:41,600 --> 00:08:44,240 Speaker 1: personal insurances? Please make sure that you protect yourself you 158 00:08:44,280 --> 00:08:46,839 Speaker 1: know and ideally take out that those policies before you 159 00:08:46,960 --> 00:08:51,600 Speaker 1: embark on this career path. Your income protection trauma cover TPD. 160 00:08:52,280 --> 00:08:55,880 Speaker 1: These are an absolute must for you. And if you're thinking, 161 00:08:55,880 --> 00:08:57,440 Speaker 1: well it's fine, would I be covered at work if 162 00:08:57,480 --> 00:08:59,800 Speaker 1: I have an accident? Well, if you have an accident 163 00:09:00,080 --> 00:09:02,040 Speaker 1: work yes, but what happens if something happens to you 164 00:09:02,080 --> 00:09:04,640 Speaker 1: on the weekend, or what happens if you're back just 165 00:09:04,720 --> 00:09:07,360 Speaker 1: slowly gives in over time and you can't keep working. 166 00:09:07,360 --> 00:09:09,679 Speaker 1: This is why you need person insurance. The third thing 167 00:09:09,679 --> 00:09:13,600 Speaker 1: I would recommend is investing early. Please don't wait. Use 168 00:09:13,640 --> 00:09:16,240 Speaker 1: the income, the big bucks that you're earning from this 169 00:09:16,240 --> 00:09:21,160 Speaker 1: particular career path to buy income producing assets shares, dfs, 170 00:09:21,280 --> 00:09:24,600 Speaker 1: listed investment companies, investment properties, assets that are going to 171 00:09:24,600 --> 00:09:26,679 Speaker 1: give you capital growth and they're also going to give 172 00:09:26,679 --> 00:09:28,880 Speaker 1: you a form of passive income. I have so many 173 00:09:28,920 --> 00:09:31,280 Speaker 1: episodes about how to get started on investing. Go and 174 00:09:31,320 --> 00:09:33,720 Speaker 1: listen to them, like, it's really so much easier than 175 00:09:33,760 --> 00:09:36,199 Speaker 1: you think, And the moment you start, you'll wonder why 176 00:09:36,200 --> 00:09:37,960 Speaker 1: you didn't do this eight years ago, because it's really 177 00:09:38,080 --> 00:09:40,520 Speaker 1: very easy. The fourth thing that I stress, and I 178 00:09:40,600 --> 00:09:42,520 Speaker 1: probably put this is probably the second most important thing 179 00:09:42,559 --> 00:09:46,080 Speaker 1: is your superannuation. Engage with your superannuation. Make sure you 180 00:09:46,160 --> 00:09:48,840 Speaker 1: know how much you've got, how much you need, but 181 00:09:48,960 --> 00:09:52,200 Speaker 1: where it's actually invested. You know, is it invested in 182 00:09:52,240 --> 00:09:54,920 Speaker 1: a balance fund? Is that balance fund right for you? 183 00:09:55,000 --> 00:09:57,400 Speaker 1: Should you maybe be getting some advices to contribute to 184 00:09:57,400 --> 00:10:00,000 Speaker 1: that superannuation account so that you can always retire, come 185 00:10:00,480 --> 00:10:02,880 Speaker 1: and securely at an age that's right for you. You know, 186 00:10:02,960 --> 00:10:05,440 Speaker 1: this is your future income. This money is going to 187 00:10:05,520 --> 00:10:08,920 Speaker 1: pay you your income, so pay attention to it. You're 188 00:10:08,960 --> 00:10:12,280 Speaker 1: not going to regret investing time now to watch your 189 00:10:12,320 --> 00:10:16,400 Speaker 1: superannuation account flourish. The sooner the better. The fifth thing 190 00:10:16,440 --> 00:10:20,679 Speaker 1: I would recommend is not over committing. So don't let 191 00:10:20,720 --> 00:10:25,480 Speaker 1: this big income tempt you into debt thinking okay, great, 192 00:10:25,480 --> 00:10:27,560 Speaker 1: I'm ending all this money. I can upgrade the home, 193 00:10:27,720 --> 00:10:29,400 Speaker 1: or I'm going to go and buy a new car, 194 00:10:29,679 --> 00:10:31,920 Speaker 1: or I'm going to go on more holidays or a 195 00:10:31,920 --> 00:10:33,959 Speaker 1: lot more expensive holidays, or you know, I'm going to 196 00:10:34,000 --> 00:10:36,480 Speaker 1: go to these restaurants but more often, you know. Yes, 197 00:10:36,520 --> 00:10:39,480 Speaker 1: of course, I would never stop suggest someone don't invest 198 00:10:39,520 --> 00:10:42,280 Speaker 1: in travel. Travel is essential, it's an investment in yourself. 199 00:10:42,320 --> 00:10:44,200 Speaker 1: But what I'm trying to say is don't become a 200 00:10:44,280 --> 00:10:48,040 Speaker 1: victim to the lifestyle creep where you get really accustomed to, say, 201 00:10:48,040 --> 00:10:50,760 Speaker 1: for example, flying business class and staying in five style 202 00:10:50,840 --> 00:10:54,600 Speaker 1: luxury hotels. Because over time, particularly if this is you know, 203 00:10:54,880 --> 00:10:57,439 Speaker 1: a short to medium term live job, what's going to 204 00:10:57,480 --> 00:11:00,160 Speaker 1: happen after that, and you may end up regretting some 205 00:11:00,200 --> 00:11:02,679 Speaker 1: of the decisions you've made, and it's hard to step 206 00:11:02,720 --> 00:11:05,319 Speaker 1: back from that lifestyle once you become really accustomed to it. 207 00:11:05,360 --> 00:11:07,200 Speaker 1: And then the sixth thing I would recommend is have 208 00:11:07,240 --> 00:11:09,760 Speaker 1: a backup career pan that is, like, what happens if 209 00:11:09,800 --> 00:11:12,520 Speaker 1: you cannot do this job in ten, fifteen, twenty is 210 00:11:12,559 --> 00:11:15,720 Speaker 1: time you need to look at upskilling into something else 211 00:11:16,000 --> 00:11:18,280 Speaker 1: and always have that on the back burner. On the 212 00:11:18,320 --> 00:11:20,600 Speaker 1: side that you're working on. You know, you might be working, 213 00:11:20,760 --> 00:11:22,920 Speaker 1: you know, say on the minds, but perhaps when you 214 00:11:22,960 --> 00:11:26,280 Speaker 1: have your weekends off, look at taking a course, whether 215 00:11:26,280 --> 00:11:29,160 Speaker 1: it be online or you know, doing it part time 216 00:11:29,280 --> 00:11:31,440 Speaker 1: or doing it remotely. You know, maybe the one look 217 00:11:31,440 --> 00:11:33,640 Speaker 1: at business, maybe one look at tech, maybe one look 218 00:11:33,640 --> 00:11:35,760 Speaker 1: at design. Maybe you want to become a trainer in 219 00:11:35,800 --> 00:11:38,160 Speaker 1: the field that you're currently working on. Your body won't 220 00:11:38,160 --> 00:11:40,160 Speaker 1: necessarily be able to do this forever. You want to 221 00:11:40,160 --> 00:11:44,240 Speaker 1: be able to pivot with flexibility and freedom and choice 222 00:11:44,559 --> 00:11:47,240 Speaker 1: when the time is right for you. So don't think 223 00:11:47,280 --> 00:11:48,840 Speaker 1: this is what you're going to be doing forever. Our 224 00:11:48,880 --> 00:11:52,320 Speaker 1: bodies can only cope to a certain degree. And you know, 225 00:11:52,400 --> 00:11:55,120 Speaker 1: this is where the real wealth is built. It's not 226 00:11:55,240 --> 00:11:59,840 Speaker 1: just from earning, but it's from paying attention and intention 227 00:12:00,320 --> 00:12:04,080 Speaker 1: planning and protecting yourself and obviously multiplying the money that 228 00:12:04,120 --> 00:12:07,720 Speaker 1: you earn beyond what you're physically earning, but obviously into 229 00:12:07,760 --> 00:12:12,400 Speaker 1: that realm where it's passive income. So as we wrap up, 230 00:12:12,600 --> 00:12:14,920 Speaker 1: I want to just bring us all together to something 231 00:12:14,960 --> 00:12:17,839 Speaker 1: that is really close to my heart. You know, being 232 00:12:17,920 --> 00:12:20,120 Speaker 1: good with money has nothing to do with your job 233 00:12:20,200 --> 00:12:24,319 Speaker 1: title or even your level of education. It's about your values, 234 00:12:24,600 --> 00:12:28,080 Speaker 1: your habits, and your choices and even like the energy 235 00:12:28,160 --> 00:12:30,800 Speaker 1: that you show up with every single day. You do 236 00:12:30,840 --> 00:12:33,440 Speaker 1: not need to have a degree to be wealthy. You 237 00:12:33,480 --> 00:12:36,040 Speaker 1: do not need to be a financial expert in order 238 00:12:36,080 --> 00:12:38,679 Speaker 1: to be able to retire early and retire rich, and 239 00:12:38,800 --> 00:12:43,200 Speaker 1: you definitely do not need to follow anyone else's path. 240 00:12:43,440 --> 00:12:46,280 Speaker 1: I just want you to be intentional with the one 241 00:12:46,320 --> 00:12:49,160 Speaker 1: that you are on and love that one that you're on. 242 00:12:49,760 --> 00:12:52,199 Speaker 1: You know, if you're earning a great job from your 243 00:12:52,240 --> 00:12:56,640 Speaker 1: trade or from your physical job, be proud you're doing honest, 244 00:12:56,760 --> 00:13:00,120 Speaker 1: important work. Our country really needs you, and you've you've 245 00:13:00,120 --> 00:13:04,840 Speaker 1: been given an amazingly incredible opportunity a high income without 246 00:13:04,880 --> 00:13:09,160 Speaker 1: a lifetime of student debt or academic pressure, and you 247 00:13:09,240 --> 00:13:14,160 Speaker 1: have such an amazing headstarter. It really is exciting. So 248 00:13:14,400 --> 00:13:17,880 Speaker 1: promise me that you'll use this opportunity wisely and have 249 00:13:17,960 --> 00:13:20,839 Speaker 1: no regrets. Make sure that your money is working for you, 250 00:13:21,000 --> 00:13:23,720 Speaker 1: not the other way around. And trust me, you're never 251 00:13:23,760 --> 00:13:28,600 Speaker 1: going to regret putting this advice into practice, sooner rather 252 00:13:28,679 --> 00:13:31,480 Speaker 1: than later, trust me. So I want to just take 253 00:13:31,480 --> 00:13:33,880 Speaker 1: a moment to say thank you for everyone who listens 254 00:13:33,920 --> 00:13:36,880 Speaker 1: to Sugar Mama's Fireplay every single Monday morning, and of 255 00:13:36,920 --> 00:13:40,640 Speaker 1: course my start Here series which is now every Friday morning. 256 00:13:40,840 --> 00:13:45,079 Speaker 1: If you know anyone like a partner, a child, a friend, 257 00:13:45,360 --> 00:13:48,240 Speaker 1: a work colleague who's choosing a career path right now 258 00:13:48,280 --> 00:13:51,839 Speaker 1: and feeling the pressure of university or large amounts of 259 00:13:51,880 --> 00:13:54,440 Speaker 1: student debt, which you are a frustrating reality for all 260 00:13:54,480 --> 00:13:56,440 Speaker 1: of us, please make sure you go and share this 261 00:13:56,520 --> 00:13:59,240 Speaker 1: episode with them. And if you are already in one 262 00:13:59,280 --> 00:14:01,200 Speaker 1: of these fields, I want to say this to you. 263 00:14:01,440 --> 00:14:04,440 Speaker 1: I see you, I hear you, and I really admire 264 00:14:04,520 --> 00:14:07,719 Speaker 1: the work that you do. Let's keep showing Australia that 265 00:14:07,880 --> 00:14:11,720 Speaker 1: success comes in many forms and that financial freedom is 266 00:14:11,760 --> 00:14:15,040 Speaker 1: something that we can all achieve no matter what our 267 00:14:15,120 --> 00:14:18,720 Speaker 1: qualifications may or may not be. Now as always, you 268 00:14:18,720 --> 00:14:21,600 Speaker 1: can connect with me at sugar Mama TV or my 269 00:14:21,720 --> 00:14:24,840 Speaker 1: other Instagram account, Canna Campbell Official. And if you found 270 00:14:24,840 --> 00:14:27,040 Speaker 1: this episode helpful, can you please do be a huge 271 00:14:27,040 --> 00:14:30,000 Speaker 1: favor and leave me a rating and review and share 272 00:14:30,040 --> 00:14:33,160 Speaker 1: this with someone else. It means the absolute world to me. 273 00:14:33,360 --> 00:14:37,360 Speaker 1: Until next time, keep that financial fire burning bright. This 274 00:14:37,560 --> 00:14:39,280 Speaker 1: is Sugar Mamma's fire play.