1 00:00:00,040 --> 00:00:02,520 Speaker 1: Welcome back to Sugar Maumba's Fireplay. I am your host, 2 00:00:02,680 --> 00:00:07,120 Speaker 1: financial planner Cannah Campbell, and today I am absolutely honored 3 00:00:07,160 --> 00:00:10,639 Speaker 1: to be joined by someone who has a truly inspiring 4 00:00:10,720 --> 00:00:17,560 Speaker 1: story filled with determination, intentional choices, and financial transformation. From 5 00:00:17,720 --> 00:00:21,160 Speaker 1: working in the minds with her husband to becoming mortgage free, 6 00:00:22,360 --> 00:00:25,919 Speaker 1: building a one point eight million dollar home, and investing 7 00:00:25,960 --> 00:00:29,080 Speaker 1: for the future, this woman has shown what is possible 8 00:00:29,400 --> 00:00:34,720 Speaker 1: with courage, sacrifice and vision. I am absolutely thrilled to 9 00:00:34,760 --> 00:00:38,280 Speaker 1: be able to share her journey with you right now, 10 00:00:38,440 --> 00:00:41,280 Speaker 1: and most importantly, the lessons that we can all learn 11 00:00:41,400 --> 00:00:58,000 Speaker 1: from it and apply today. Lindsey, thank you so much 12 00:00:58,040 --> 00:01:00,680 Speaker 1: for coming on to Trugar Mauma's Fireplay. I always like 13 00:01:00,720 --> 00:01:03,960 Speaker 1: to start these episodes when I'm interviewing real people and 14 00:01:04,000 --> 00:01:07,800 Speaker 1: their incredible stories, is to ask how they really are, 15 00:01:07,959 --> 00:01:10,360 Speaker 1: not a surface level Hi, how I am good? Thanks? 16 00:01:10,720 --> 00:01:13,160 Speaker 1: But how are you going? How is twenty twenty five 17 00:01:13,440 --> 00:01:15,720 Speaker 1: looking for you? Hi? Ken? 18 00:01:15,840 --> 00:01:17,560 Speaker 2: I thank you so much for having on your podcast. 19 00:01:17,600 --> 00:01:21,360 Speaker 2: It's one of my favorites. I'm honored, thank you. Twenty 20 00:01:21,400 --> 00:01:25,120 Speaker 2: twenty five is amazing for us so far. We are 21 00:01:25,120 --> 00:01:27,440 Speaker 2: in a great place as a couple and as a 22 00:01:27,520 --> 00:01:31,120 Speaker 2: family with our two children, and yeah, we I am amazing. 23 00:01:31,160 --> 00:01:31,560 Speaker 2: Thank you. 24 00:01:32,480 --> 00:01:35,320 Speaker 1: It's so nice to hear something a positive answer and 25 00:01:35,400 --> 00:01:38,399 Speaker 1: uplifting answer and an inspiring answer, because the world feels 26 00:01:38,400 --> 00:01:41,280 Speaker 1: like a very heavy place right now, so it's good 27 00:01:41,319 --> 00:01:44,720 Speaker 1: to hear you know, people like yourself are doing well. 28 00:01:44,720 --> 00:01:47,800 Speaker 1: And I'm sure it's not without hard work and sacrifices, 29 00:01:47,880 --> 00:01:51,320 Speaker 1: but you know, it's it's good to hear it's not 30 00:01:51,840 --> 00:01:54,760 Speaker 1: hard for everyone. So thank you for sharing that. I 31 00:01:54,800 --> 00:01:58,600 Speaker 1: am so desperate to share your story because it's so 32 00:01:58,720 --> 00:02:02,280 Speaker 1: incredibly motivating, and I feel like a lot of us 33 00:02:02,320 --> 00:02:04,360 Speaker 1: need to hear this right now, especially as you know 34 00:02:04,360 --> 00:02:06,200 Speaker 1: we're getting towards the end of twenty twenty five and 35 00:02:06,280 --> 00:02:09,480 Speaker 1: our motivation levels of flatlining. We maybe lost a bit 36 00:02:09,520 --> 00:02:12,440 Speaker 1: of faith, got some old habits creeping back in, or 37 00:02:13,360 --> 00:02:15,600 Speaker 1: we just basically about to throw the towel. And I 38 00:02:15,639 --> 00:02:18,200 Speaker 1: feel like you're going to inject a whole pile of, 39 00:02:18,240 --> 00:02:22,320 Speaker 1: like I guess, youth, energy and vitality into us, which 40 00:02:22,320 --> 00:02:25,040 Speaker 1: we all need. Can we start from the very very 41 00:02:25,080 --> 00:02:28,760 Speaker 1: beginning when you and your husband got together, and I 42 00:02:28,760 --> 00:02:31,840 Speaker 1: think you mentioned to me that you were earning fifty 43 00:02:31,880 --> 00:02:34,560 Speaker 1: five thousand dollars a year. You know, I'd love to 44 00:02:34,600 --> 00:02:40,040 Speaker 1: hear about who started the conversation around money and how 45 00:02:40,360 --> 00:02:43,840 Speaker 1: that conversation was begun, like what questions ignited it, because 46 00:02:44,840 --> 00:02:48,560 Speaker 1: couples that were approaching that topic of money for the 47 00:02:48,600 --> 00:02:53,040 Speaker 1: first time, it's can make you really shy, intimidating, it's scary, 48 00:02:53,080 --> 00:02:56,200 Speaker 1: but also it's really important to have these conversations like 49 00:02:56,720 --> 00:02:58,560 Speaker 1: how did this begin? For YouTube? 50 00:02:59,600 --> 00:03:03,320 Speaker 2: Yeah, sure are important conversations. We got together and I 51 00:03:03,560 --> 00:03:08,120 Speaker 2: was working as an office admin at an accounting firm 52 00:03:08,520 --> 00:03:11,480 Speaker 2: and I was making fifty five thousand dollars. My boyfriend 53 00:03:11,800 --> 00:03:14,320 Speaker 2: husband now was on about the same as a brick player. 54 00:03:15,440 --> 00:03:18,919 Speaker 2: We knew really early on in our relationship that we 55 00:03:18,919 --> 00:03:20,960 Speaker 2: were going to be a good couple and we were 56 00:03:20,960 --> 00:03:25,480 Speaker 2: going to last. And we actually did have conversations very 57 00:03:25,480 --> 00:03:31,680 Speaker 2: early on. They were sparked by there were some gambling 58 00:03:31,720 --> 00:03:36,480 Speaker 2: problems in one of our families, and also some employer 59 00:03:36,760 --> 00:03:41,280 Speaker 2: issues with superannuation and a couple of other things. So 60 00:03:42,120 --> 00:03:46,240 Speaker 2: it was quite easy to start conversations and about it, 61 00:03:46,880 --> 00:03:49,200 Speaker 2: and we just knew we didn't want to take the 62 00:03:49,200 --> 00:03:53,400 Speaker 2: same go down the same line as some of the 63 00:03:53,440 --> 00:03:56,640 Speaker 2: people that we knew had gone down, and so early 64 00:03:56,680 --> 00:04:02,440 Speaker 2: on we discussed money, our future, what we wanted to do. 65 00:04:03,080 --> 00:04:04,800 Speaker 2: We knew we both wanted to have kids, which was 66 00:04:04,800 --> 00:04:07,440 Speaker 2: a really important topic to both know when we were 67 00:04:07,560 --> 00:04:10,080 Speaker 2: because I was twenty five and my boyfriend was twenty 68 00:04:10,080 --> 00:04:12,080 Speaker 2: seven when we got together, so we knew that we 69 00:04:12,080 --> 00:04:14,360 Speaker 2: wanted to do that. So we kind of just had 70 00:04:14,400 --> 00:04:16,520 Speaker 2: these conversations naturally, like well, one day, I want to 71 00:04:16,520 --> 00:04:19,960 Speaker 2: have kids, no time soon, and he was like, so 72 00:04:20,040 --> 00:04:22,760 Speaker 2: do I. And it was the same with money. We 73 00:04:22,880 --> 00:04:24,800 Speaker 2: just brought it up as never been a subject that 74 00:04:24,839 --> 00:04:30,320 Speaker 2: we couldn't openly talk about, and yeah, we just had 75 00:04:30,360 --> 00:04:33,560 Speaker 2: conversations about we wanted We knew where we wanted to 76 00:04:33,560 --> 00:04:37,719 Speaker 2: buy a house and things like that. So we quite quickly. 77 00:04:38,160 --> 00:04:42,440 Speaker 2: It was probably about six months in I guess we 78 00:04:42,480 --> 00:04:47,000 Speaker 2: moved in together. He was renting our house and when 79 00:04:47,080 --> 00:04:48,760 Speaker 2: I say, we're lucky, we've worked very hard, and I 80 00:04:48,800 --> 00:04:51,039 Speaker 2: hate you're lucky, but we were lucky to have a 81 00:04:51,040 --> 00:04:54,880 Speaker 2: lot of these But he was renting a farmhouse for 82 00:04:54,920 --> 00:04:59,520 Speaker 2: sixty dollars a week, which is ridiculously cheap. And then 83 00:04:59,560 --> 00:05:02,240 Speaker 2: we went on house sit a doctor's house for six months, 84 00:05:02,279 --> 00:05:05,120 Speaker 2: which was this amazing big two story house that costs 85 00:05:05,200 --> 00:05:10,520 Speaker 2: us nothing. And then we lived in my boss's very 86 00:05:10,600 --> 00:05:14,960 Speaker 2: very old house. I think it wasn't rentable, but we 87 00:05:15,000 --> 00:05:16,760 Speaker 2: lived in that for fifty dollars a week. So we 88 00:05:16,920 --> 00:05:22,600 Speaker 2: had about eighteen months together in our relationship where we 89 00:05:23,040 --> 00:05:25,599 Speaker 2: paid almost nothing for living expenses. So we did have 90 00:05:25,640 --> 00:05:29,440 Speaker 2: the opportunity to save a lot of money together. And 91 00:05:29,600 --> 00:05:31,960 Speaker 2: I actually had a little house that I bought with 92 00:05:32,120 --> 00:05:37,920 Speaker 2: an ex boyfriend that I had taken over when things 93 00:05:37,960 --> 00:05:41,040 Speaker 2: went out, and I was renting it out because I 94 00:05:41,040 --> 00:05:44,640 Speaker 2: didn't want to live there, and so we discussed quite early, 95 00:05:44,839 --> 00:05:46,839 Speaker 2: I'd say it was about six months after we've been together. 96 00:05:47,040 --> 00:05:50,279 Speaker 2: I was selling my house for not much profit. I 97 00:05:50,360 --> 00:05:52,440 Speaker 2: ended up coming out with twenty five thousand dollars after 98 00:05:52,440 --> 00:05:56,800 Speaker 2: paying the solicitors and the conveyances and the real estate 99 00:05:57,040 --> 00:06:02,480 Speaker 2: and the mortgage, and then quite quickly he had saved 100 00:06:02,480 --> 00:06:05,159 Speaker 2: about the same amount. So then we had fifty thousand 101 00:06:05,200 --> 00:06:07,719 Speaker 2: dollars deposit to buy a block of land. 102 00:06:07,839 --> 00:06:12,640 Speaker 1: We decided on wow, and like how did that come about? 103 00:06:12,760 --> 00:06:14,800 Speaker 1: Like did he say like we should buy a block 104 00:06:14,839 --> 00:06:16,600 Speaker 1: of land or we. 105 00:06:17,160 --> 00:06:19,760 Speaker 2: When we were having the conversations about saving money together 106 00:06:20,920 --> 00:06:24,200 Speaker 2: and The other reason we decided to join money. We 107 00:06:24,360 --> 00:06:28,040 Speaker 2: joined money as well, was we were getting a little 108 00:06:28,040 --> 00:06:30,920 Speaker 2: bit sick because we're going out all the time, as 109 00:06:30,960 --> 00:06:33,640 Speaker 2: you do when you're you know, newly together. We go 110 00:06:33,680 --> 00:06:36,640 Speaker 2: up for breakfast and he'd pay, and then I'd go, Okay, 111 00:06:36,680 --> 00:06:39,440 Speaker 2: I'll pay next weekend, and it just got a bit annoying. 112 00:06:39,560 --> 00:06:42,120 Speaker 2: I'd go and buy some groceries and then he'd be like, okay, 113 00:06:42,160 --> 00:06:43,920 Speaker 2: well I'll buy the next sex groceries. And it just 114 00:06:43,960 --> 00:06:48,880 Speaker 2: got like we were always trying to be even and it 115 00:06:49,000 --> 00:06:51,560 Speaker 2: just got annoying and were like this is too much, 116 00:06:51,640 --> 00:06:53,600 Speaker 2: I'd mean in our minds, and it was just easier 117 00:06:53,640 --> 00:06:56,839 Speaker 2: to join and we were doing nearly everything together anyway. 118 00:06:56,960 --> 00:07:00,640 Speaker 2: So that's when we had the conversation about joining our money, 119 00:07:00,680 --> 00:07:02,920 Speaker 2: and we just opened joint bank accounts and we still 120 00:07:02,920 --> 00:07:05,599 Speaker 2: had our own bank accounts that our pays went into, 121 00:07:05,720 --> 00:07:09,359 Speaker 2: and then we'd transfer into savings and stuff, and it 122 00:07:09,760 --> 00:07:12,200 Speaker 2: it's just never been a hard conversation because it's just 123 00:07:12,240 --> 00:07:14,480 Speaker 2: always been a conversation that we've had. 124 00:07:16,240 --> 00:07:19,080 Speaker 1: And a conversation that's based around something exciting, like you know, 125 00:07:19,160 --> 00:07:23,920 Speaker 1: saving up for yes Lan, like there, it's all positive 126 00:07:24,840 --> 00:07:28,720 Speaker 1: and then you've moved across the country to work. In 127 00:07:28,760 --> 00:07:32,920 Speaker 1: the minds like what drove that choice? And I guess like, 128 00:07:33,120 --> 00:07:34,600 Speaker 1: how did you come to that point to go, yep, 129 00:07:34,640 --> 00:07:36,680 Speaker 1: we've got to do this, like it's a big it's 130 00:07:36,680 --> 00:07:38,360 Speaker 1: a bold move, moving across the country. 131 00:07:38,800 --> 00:07:41,280 Speaker 2: Yeah. So we bought our block of land in twenty 132 00:07:41,320 --> 00:07:45,720 Speaker 2: ten and we knew we wanted to live here where 133 00:07:45,720 --> 00:07:47,920 Speaker 2: a couple of hours south of seeing it's a beautiful town. 134 00:07:48,320 --> 00:07:51,800 Speaker 2: And at the time we couldn't afford well, we probably 135 00:07:51,800 --> 00:07:53,920 Speaker 2: could have, but we didn't want to spend the money 136 00:07:53,960 --> 00:07:55,360 Speaker 2: to buy a house because we didn't want to get 137 00:07:55,360 --> 00:07:57,920 Speaker 2: into that much debt. So we bought our block and 138 00:07:57,960 --> 00:08:00,440 Speaker 2: we felt well, we were living in one of the 139 00:08:00,560 --> 00:08:03,640 Speaker 2: houses at the time, the sixty dollars a week house, 140 00:08:03,920 --> 00:08:06,320 Speaker 2: and we thought we'd say, we'd pay off some of 141 00:08:06,360 --> 00:08:08,320 Speaker 2: the debts, save some money and then build a house. 142 00:08:08,560 --> 00:08:12,280 Speaker 2: And then when we were getting quotes and we actually 143 00:08:12,280 --> 00:08:13,680 Speaker 2: had plans drawn up and we got quotes, and we 144 00:08:14,040 --> 00:08:15,560 Speaker 2: do we really want to get into this much debt 145 00:08:15,840 --> 00:08:18,200 Speaker 2: at this age. We want to travel, We want to go, 146 00:08:18,480 --> 00:08:20,240 Speaker 2: you know, we wanted to do a europe trip. There 147 00:08:20,240 --> 00:08:23,000 Speaker 2: were lots of things we wanted to do, and we 148 00:08:23,200 --> 00:08:28,560 Speaker 2: just were feeling a little bit almost like stale. And 149 00:08:29,600 --> 00:08:32,240 Speaker 2: we had a discussion about one day we are going 150 00:08:32,280 --> 00:08:34,080 Speaker 2: to have children, and we never wanted to have them. 151 00:08:34,640 --> 00:08:37,640 Speaker 2: We wanted to have them in our early thirties, and 152 00:08:38,240 --> 00:08:39,840 Speaker 2: we were kind of like, that's only five or six 153 00:08:39,920 --> 00:08:44,240 Speaker 2: years away when we have kids. We didn't want me 154 00:08:44,360 --> 00:08:46,440 Speaker 2: having to like halving to work if you want to 155 00:08:46,440 --> 00:08:48,920 Speaker 2: work at different full time, but we didn't want to 156 00:08:49,000 --> 00:08:51,199 Speaker 2: have you know, me halving to work because we had 157 00:08:51,240 --> 00:08:54,520 Speaker 2: you because of this mortgage. And then we ran on 158 00:08:54,559 --> 00:08:57,280 Speaker 2: a little holiday and we just were feeling really inspired 159 00:08:57,400 --> 00:09:01,640 Speaker 2: and there were TV ads for come to West Australia 160 00:09:01,679 --> 00:09:05,240 Speaker 2: and drive a dump truck and we were having came 161 00:09:05,280 --> 00:09:07,600 Speaker 2: a pool and a couple of drinks, we'd gone down 162 00:09:07,640 --> 00:09:12,440 Speaker 2: to the we'd gone down to the snow skiing, and yeah, 163 00:09:12,480 --> 00:09:15,200 Speaker 2: we just this ad came on the TV and we'd 164 00:09:15,240 --> 00:09:17,480 Speaker 2: been talking about because we were feeling a little bit 165 00:09:17,679 --> 00:09:21,280 Speaker 2: stale and like we wanted to do something different, and 166 00:09:21,320 --> 00:09:24,719 Speaker 2: we talked about going overseas and living overseas for a 167 00:09:24,720 --> 00:09:26,560 Speaker 2: couple of years and working and then we're kind of like, yeah, 168 00:09:26,600 --> 00:09:29,400 Speaker 2: but we didn't want to go backwards financially, so we 169 00:09:29,400 --> 00:09:30,880 Speaker 2: were like, why don't we try and get a job 170 00:09:30,880 --> 00:09:34,439 Speaker 2: in the mines. So we basically in the next three 171 00:09:34,480 --> 00:09:37,520 Speaker 2: months we packed everything up. I resigned from my work, 172 00:09:38,960 --> 00:09:42,680 Speaker 2: he resigned from his with enough notice to get everything sorted, 173 00:09:43,440 --> 00:09:46,320 Speaker 2: and I had long service leave because I've been at 174 00:09:46,320 --> 00:09:49,959 Speaker 2: my job for ten years. He had the Builders Corporation 175 00:09:50,080 --> 00:09:53,640 Speaker 2: long service leave as well. And then and we had 176 00:09:53,640 --> 00:09:55,679 Speaker 2: some annual even stuff that got paid out, and we 177 00:09:55,800 --> 00:09:57,880 Speaker 2: ended up having about thirty thousand dollars in our bank 178 00:09:57,920 --> 00:10:01,120 Speaker 2: account and we still had a mortgage on our block, 179 00:10:01,520 --> 00:10:04,199 Speaker 2: so we're plunning mortgage. And we just took off and 180 00:10:04,640 --> 00:10:08,600 Speaker 2: we camped. We took we did a road trip to Perth, 181 00:10:08,760 --> 00:10:12,760 Speaker 2: so from east to west. We ended up taking about 182 00:10:12,960 --> 00:10:15,040 Speaker 2: six to eight weeks to get there. I can't exactly 183 00:10:15,080 --> 00:10:18,600 Speaker 2: remember the timeframe, so this was twenty twelve, and we 184 00:10:18,640 --> 00:10:21,680 Speaker 2: camped all the way basically spent not much money, just 185 00:10:21,679 --> 00:10:24,640 Speaker 2: had a great time sightseeing. And we got there and 186 00:10:25,280 --> 00:10:28,440 Speaker 2: we worked really hard to get a training ship. We 187 00:10:28,520 --> 00:10:30,600 Speaker 2: must have applied. I was thinking about it this morning 188 00:10:30,600 --> 00:10:35,760 Speaker 2: for about forty jobs, which is like between us. Obviously 189 00:10:36,559 --> 00:10:39,160 Speaker 2: it's not one application, it's two, but it's a full 190 00:10:39,200 --> 00:10:41,120 Speaker 2: it was a full time job trying to get in. 191 00:10:41,360 --> 00:10:45,720 Speaker 2: But we were again lucky. But we were lucky at 192 00:10:45,720 --> 00:10:48,280 Speaker 2: the timing that we arrived in Perth because there was 193 00:10:48,600 --> 00:10:52,840 Speaker 2: a big there were a lot of jobs going and 194 00:10:52,880 --> 00:10:55,480 Speaker 2: we ended up getting a trainee ship in Calgooli. So 195 00:10:56,040 --> 00:10:58,040 Speaker 2: the aim was always to get a job playing fly 196 00:10:58,200 --> 00:11:02,120 Speaker 2: out because that's where the the bigger money is. But 197 00:11:02,240 --> 00:11:04,880 Speaker 2: to get in we moved to Calgooley. So we moved 198 00:11:04,920 --> 00:11:08,480 Speaker 2: out there, which is about a six six hours directly 199 00:11:08,800 --> 00:11:12,880 Speaker 2: east of Perth, and we did a trainee ship in 200 00:11:12,920 --> 00:11:15,040 Speaker 2: one of the it's called the super Bowl. The nickname 201 00:11:15,120 --> 00:11:18,560 Speaker 2: is the super here Cargoley consolidated a gold mine it's 202 00:11:18,600 --> 00:11:22,080 Speaker 2: called and we had the best time. So we did 203 00:11:22,120 --> 00:11:26,840 Speaker 2: a trainee ship driving dump trucks and yeah, it was amazing, 204 00:11:26,960 --> 00:11:30,439 Speaker 2: and then we decided we stayed on there for a 205 00:11:30,520 --> 00:11:33,600 Speaker 2: year after our six month traineeship. And then my boyfriend 206 00:11:33,679 --> 00:11:37,120 Speaker 2: was quite settled in Kargooley and he really enjoyed it, 207 00:11:37,120 --> 00:11:39,600 Speaker 2: and so did I. But I remember saying to him, 208 00:11:40,040 --> 00:11:42,880 Speaker 2: we came here to make money. Get your head around it. 209 00:11:43,600 --> 00:11:47,720 Speaker 2: What do you think we're we're going? And then yeah, 210 00:11:47,760 --> 00:11:49,360 Speaker 2: it took a bit of a push because he was 211 00:11:49,400 --> 00:11:51,520 Speaker 2: quite settled, but I said to him, we didn't come 212 00:11:51,559 --> 00:11:53,760 Speaker 2: over here to live here forever and make We were 213 00:11:53,760 --> 00:11:55,840 Speaker 2: still making good money, but we wanted to make the 214 00:11:55,880 --> 00:11:59,800 Speaker 2: big bucks. So we got a job with HP and 215 00:12:00,080 --> 00:12:04,160 Speaker 2: moved from Kalgary to Perth and we worked Flying fly 216 00:12:04,240 --> 00:12:06,640 Speaker 2: Out two weeks on one week off up in the 217 00:12:06,640 --> 00:12:13,319 Speaker 2: pilbro and like it was challenging, but we absolutely loved it. 218 00:12:13,360 --> 00:12:17,760 Speaker 2: And that was what we'd what we'd gone to a 219 00:12:17,800 --> 00:12:20,640 Speaker 2: citry to do. That was we got our we got 220 00:12:20,679 --> 00:12:23,400 Speaker 2: our dream jobs. So we were we were just so 221 00:12:23,480 --> 00:12:27,840 Speaker 2: excited and yeah, and we were working together. We were 222 00:12:27,880 --> 00:12:30,360 Speaker 2: hired as a couple, so yeah, it was it was 223 00:12:30,400 --> 00:12:36,160 Speaker 2: amazing and really looked after. And then we did that 224 00:12:36,880 --> 00:12:41,480 Speaker 2: for three years and two weeks on one week off. 225 00:12:41,600 --> 00:12:44,800 Speaker 2: It's it's a pretty good roster when you're with when 226 00:12:44,840 --> 00:12:47,840 Speaker 2: you're with your partner because you're working a lot, but 227 00:12:47,920 --> 00:12:49,800 Speaker 2: you're we were together all the time. Like it's really 228 00:12:49,840 --> 00:12:53,000 Speaker 2: hard on families where the husband or wife works away, 229 00:12:53,040 --> 00:12:55,600 Speaker 2: it's really tough roster. But because we were together all 230 00:12:55,640 --> 00:12:59,360 Speaker 2: the time, it was it was great. And in that time, yeah, 231 00:12:59,360 --> 00:13:02,080 Speaker 2: we did a lot of traveling we went, We had 232 00:13:02,120 --> 00:13:04,600 Speaker 2: our figure of chip that we always wanted, and we 233 00:13:04,640 --> 00:13:06,560 Speaker 2: lived out of our car in Western Australia for a 234 00:13:06,640 --> 00:13:09,000 Speaker 2: year because we got a bit sick of renting, so 235 00:13:09,040 --> 00:13:12,120 Speaker 2: we ended up traveling around and working and then just 236 00:13:12,240 --> 00:13:16,000 Speaker 2: traveling all around WA And yeah, we just had the 237 00:13:16,000 --> 00:13:19,760 Speaker 2: best time and saved a lot of money while we 238 00:13:19,760 --> 00:13:20,360 Speaker 2: were Okay. 239 00:13:21,320 --> 00:13:24,080 Speaker 1: Can I just go back for a second. Mentioned you 240 00:13:24,160 --> 00:13:25,800 Speaker 1: and your husband plied for forty jobs? 241 00:13:26,280 --> 00:13:29,280 Speaker 2: Yeah, roughly. Yeah, how did you. 242 00:13:29,240 --> 00:13:31,760 Speaker 1: Deal with the knockbacks? I mean, eventually it all worked 243 00:13:31,760 --> 00:13:33,920 Speaker 1: out okay because you are where you are today, But 244 00:13:34,440 --> 00:13:40,000 Speaker 1: you know that would have been at times really confronting, humiliating, embarrassing, 245 00:13:40,080 --> 00:13:42,040 Speaker 1: like having to apply for so many a lot of people, 246 00:13:42,480 --> 00:13:45,319 Speaker 1: you know, it would have really hit their mental health. 247 00:13:45,360 --> 00:13:49,040 Speaker 1: Like how did you guys cope with it? Was? 248 00:13:49,320 --> 00:13:51,520 Speaker 2: It was actually really tough and we didn't even get 249 00:13:51,640 --> 00:13:55,480 Speaker 2: knocked back. They just we just didn't get anything. They 250 00:13:55,559 --> 00:14:01,720 Speaker 2: just ignore you basically. Yeah, it was it was hard. 251 00:14:03,559 --> 00:14:06,040 Speaker 2: And I'd say, I mean, because it was so long 252 00:14:06,080 --> 00:14:09,679 Speaker 2: ago now, I'd say we probably took about six weeks 253 00:14:09,720 --> 00:14:13,079 Speaker 2: maybe of just try and then I'd get someone's phone 254 00:14:13,160 --> 00:14:15,360 Speaker 2: number and I would be on the phone, just basically 255 00:14:15,440 --> 00:14:17,040 Speaker 2: harassing them, and. 256 00:14:16,960 --> 00:14:19,200 Speaker 1: Then that you were seriously determined. 257 00:14:19,400 --> 00:14:24,360 Speaker 2: We were determined. Yes, we were very determined, and we 258 00:14:24,440 --> 00:14:28,160 Speaker 2: actually had a really good time to as unemployed people 259 00:14:28,160 --> 00:14:31,040 Speaker 2: in Perth. We were we weren't spending money because we 260 00:14:31,040 --> 00:14:34,200 Speaker 2: were very conscious of not spending money because we didn't 261 00:14:34,240 --> 00:14:36,120 Speaker 2: have any money coming in and we had a mortgage. 262 00:14:36,360 --> 00:14:41,520 Speaker 2: But we were also enjoying the beaches and yeah, we 263 00:14:41,600 --> 00:14:44,960 Speaker 2: had a great time, but it was, yeah, it was. 264 00:14:45,040 --> 00:14:50,080 Speaker 2: It was really hard, and yeah, I think that's because 265 00:14:50,120 --> 00:14:52,960 Speaker 2: because we had no experience at all. But the attractive 266 00:14:52,960 --> 00:14:55,400 Speaker 2: thing about us was we were a couple and they 267 00:14:56,640 --> 00:15:01,280 Speaker 2: like couples because I'm not sure why. It's just maybe. 268 00:15:00,960 --> 00:15:04,760 Speaker 1: Yes, the stability and you know, you're both properly invested 269 00:15:04,800 --> 00:15:08,560 Speaker 1: if you're both moved, and that's that's hard to find 270 00:15:08,880 --> 00:15:10,000 Speaker 1: you good quality staff. 271 00:15:10,240 --> 00:15:12,920 Speaker 2: Yes, and we'd already made the move to Perth, which 272 00:15:13,000 --> 00:15:16,920 Speaker 2: they I don't think that mining companies take you too 273 00:15:16,920 --> 00:15:20,120 Speaker 2: seriously if you're in like we were in New South Wales. 274 00:15:20,320 --> 00:15:22,000 Speaker 2: If you're like, oh, yeah, we will move if we 275 00:15:22,000 --> 00:15:23,360 Speaker 2: get a job where we were there and we were 276 00:15:23,360 --> 00:15:25,280 Speaker 2: ready to start, yeah. 277 00:15:25,040 --> 00:15:27,680 Speaker 1: Oh well that would have been impressive. And then with 278 00:15:27,800 --> 00:15:31,400 Speaker 1: the lifestyle, Like, Okay, you're earning good money working in 279 00:15:31,400 --> 00:15:35,160 Speaker 1: the minds, How like, how did you not let their 280 00:15:35,240 --> 00:15:37,560 Speaker 1: lifestyle creep take over? Because I know a lot of 281 00:15:37,560 --> 00:15:41,800 Speaker 1: people who've done this and they've actually their LifeStyle's gone 282 00:15:41,840 --> 00:15:44,640 Speaker 1: up and they're actually not really saving any more money 283 00:15:44,680 --> 00:15:46,440 Speaker 1: than what they did before they started working in the 284 00:15:46,520 --> 00:15:51,200 Speaker 1: mind Like, like, how did you like stay focused and 285 00:15:51,800 --> 00:15:54,360 Speaker 1: you know, have a healthy mindset and obviously stay on 286 00:15:54,440 --> 00:15:58,200 Speaker 1: track of your goals without succumbing to this. 287 00:15:58,960 --> 00:16:01,640 Speaker 2: So we always went there with a plan. We always 288 00:16:01,640 --> 00:16:05,640 Speaker 2: had like a five ish year plan, and we really 289 00:16:05,680 --> 00:16:10,400 Speaker 2: never let the lifestyle creep in at all. We except 290 00:16:10,400 --> 00:16:13,960 Speaker 2: for the travel. We did spend a little extra money 291 00:16:13,960 --> 00:16:16,640 Speaker 2: on travel that we probably wouldn't have had to spend before. 292 00:16:17,080 --> 00:16:20,360 Speaker 2: But we just and we were working, because we were 293 00:16:20,400 --> 00:16:23,600 Speaker 2: working so much, we had one week off and we 294 00:16:23,640 --> 00:16:27,160 Speaker 2: would just you know, rest and enjoy and you know, 295 00:16:27,240 --> 00:16:28,880 Speaker 2: we were younger, so we were going out a little bit, 296 00:16:28,960 --> 00:16:31,960 Speaker 2: having a few drinks and stuff. But we just really 297 00:16:32,080 --> 00:16:35,360 Speaker 2: enjoyed our time. And because we weren't at home, we 298 00:16:35,360 --> 00:16:38,320 Speaker 2: were somewhere else, so we were sightseeing and but we yeah, 299 00:16:38,360 --> 00:16:41,000 Speaker 2: we just never let we always had the goal of 300 00:16:41,080 --> 00:16:43,040 Speaker 2: we wanted to pay off our debts, save a lot 301 00:16:43,040 --> 00:16:47,240 Speaker 2: of money, build up you know, superannuation and stuff. And 302 00:16:47,560 --> 00:16:52,520 Speaker 2: we worked with a lot of people who who had 303 00:16:52,520 --> 00:16:54,960 Speaker 2: worked in the minds for quite a long time and 304 00:16:55,680 --> 00:16:58,240 Speaker 2: almost had nothing, so we had a lot of examples 305 00:16:58,280 --> 00:17:01,840 Speaker 2: of what not to do it well. Yeah, and we 306 00:17:02,000 --> 00:17:03,960 Speaker 2: just yeah, we just always had our eye on what 307 00:17:04,000 --> 00:17:06,639 Speaker 2: we what we wanted and had the plan and stuck 308 00:17:06,680 --> 00:17:07,040 Speaker 2: to it. 309 00:17:08,160 --> 00:17:10,439 Speaker 1: And then with the savings, obviously you were able to 310 00:17:10,480 --> 00:17:13,320 Speaker 1: save a lot of money in this particular part of 311 00:17:13,359 --> 00:17:16,560 Speaker 1: your life. Like how did you manage the budget, how 312 00:17:16,560 --> 00:17:18,680 Speaker 1: did you manage the cash flow? How did you agree on, 313 00:17:19,680 --> 00:17:21,720 Speaker 1: you know, how much we go into a savings account, 314 00:17:22,680 --> 00:17:25,120 Speaker 1: the logistics of savings. How did you really make sure 315 00:17:25,160 --> 00:17:28,080 Speaker 1: that you prioritized savings successfully together as a couple. 316 00:17:28,640 --> 00:17:32,160 Speaker 2: Yeah, we've never really stuck to We've never really had 317 00:17:32,600 --> 00:17:35,480 Speaker 2: a budget, to be honest, like a spreadsheet or something 318 00:17:35,520 --> 00:17:40,720 Speaker 2: that we go by. But we've always had a bills account, 319 00:17:40,760 --> 00:17:43,880 Speaker 2: which is how much and it's a lot more now 320 00:17:43,960 --> 00:17:47,280 Speaker 2: with a family, but we've always had an account that 321 00:17:47,359 --> 00:17:50,119 Speaker 2: we put money into for else the insurance and all 322 00:17:50,160 --> 00:17:57,359 Speaker 2: of that stuff that comes out. But we we just 323 00:17:57,760 --> 00:18:00,359 Speaker 2: we pay our when we still had our mortgage for 324 00:18:00,400 --> 00:18:03,040 Speaker 2: our block of land, we play our mortgage. We had 325 00:18:03,080 --> 00:18:06,879 Speaker 2: no car loan, we didn't have any other loans. And 326 00:18:06,920 --> 00:18:09,000 Speaker 2: then while we were renting for a little while, we 327 00:18:09,080 --> 00:18:11,960 Speaker 2: pay our rent and then the rest would just it 328 00:18:12,000 --> 00:18:14,680 Speaker 2: would just go straight into our savings and we'd obviously 329 00:18:14,680 --> 00:18:16,639 Speaker 2: have some fun money, but the rest would just go 330 00:18:16,640 --> 00:18:19,200 Speaker 2: into our savings. And we just did that every fortnight 331 00:18:19,280 --> 00:18:22,560 Speaker 2: that we got paid, and that's just what we did. 332 00:18:22,600 --> 00:18:24,879 Speaker 2: And then we've always had accounts, so if we were 333 00:18:24,880 --> 00:18:27,280 Speaker 2: saving up for a holiday or we've always had holiday 334 00:18:27,280 --> 00:18:32,640 Speaker 2: account or whatever whatever we wanted to do that were separate. 335 00:18:32,680 --> 00:18:36,040 Speaker 2: But it's just always been about open, clear communication with us. 336 00:18:36,359 --> 00:18:40,000 Speaker 1: Yeah, it's so important always, Yeah, the foundation, I think. 337 00:18:40,480 --> 00:18:43,320 Speaker 1: And then so you've you're working the mines, you're saving up, 338 00:18:43,400 --> 00:18:48,200 Speaker 1: where do you go through from here? Like cash your cash, 339 00:18:48,440 --> 00:18:52,560 Speaker 1: lots of cash from great cash flow, Like where did 340 00:18:52,680 --> 00:18:53,520 Speaker 1: you then land? 341 00:18:54,400 --> 00:18:58,040 Speaker 2: So we had been working for about eighteen bit over 342 00:18:58,080 --> 00:18:59,880 Speaker 2: eighteen months when we paid off our block of land 343 00:19:00,720 --> 00:19:06,320 Speaker 2: and unbelievable. Yeah, yeah, we were very focused. And then 344 00:19:06,560 --> 00:19:10,040 Speaker 2: I still remember the transaction when we got paid and 345 00:19:10,080 --> 00:19:12,359 Speaker 2: we were sitting on our lounge. We were living in 346 00:19:12,400 --> 00:19:15,120 Speaker 2: Fremantle at the time, in the little apartment, and when 347 00:19:15,119 --> 00:19:18,119 Speaker 2: we transferred the last however much it was five thousand 348 00:19:18,160 --> 00:19:20,680 Speaker 2: dollars onto our mortgage and we're just like, oh my goodness. 349 00:19:20,680 --> 00:19:22,399 Speaker 2: And then we rung my mom and dad. We're like, 350 00:19:22,440 --> 00:19:24,879 Speaker 2: we've heard about luck. It was. It was very exciting. 351 00:19:26,680 --> 00:19:28,200 Speaker 2: And then how. 352 00:19:28,040 --> 00:19:31,480 Speaker 1: Important it is to celebrate those moments, yes, as well 353 00:19:31,480 --> 00:19:33,760 Speaker 1: as obviously start them, like I think a lot of 354 00:19:33,760 --> 00:19:35,199 Speaker 1: people at the moment, and why we had a lot 355 00:19:35,240 --> 00:19:38,199 Speaker 1: of us feel so heavy and burnt out and frustrated 356 00:19:38,280 --> 00:19:42,520 Speaker 1: is you know, we are so absorbed by the struggle 357 00:19:43,119 --> 00:19:45,560 Speaker 1: we forget to actually look at the progress and celebrate 358 00:19:45,600 --> 00:19:46,399 Speaker 1: those little wins. 359 00:19:46,640 --> 00:19:47,040 Speaker 2: I agree. 360 00:19:47,440 --> 00:19:48,639 Speaker 1: And by the way, paying for more we're just not 361 00:19:48,720 --> 00:19:49,280 Speaker 1: a little win it. 362 00:19:49,840 --> 00:19:54,520 Speaker 2: Yeah, well they were. They were very proud as well. Yes, 363 00:19:54,560 --> 00:19:56,719 Speaker 2: so mum and dad were really proud as well. And 364 00:19:56,760 --> 00:19:58,840 Speaker 2: then we just opened our high interests bank account and 365 00:19:58,960 --> 00:20:02,920 Speaker 2: just started putting away. We used to say roughly five 366 00:20:02,960 --> 00:20:05,960 Speaker 2: to six thousand a fortnight, so we were making Yeah, 367 00:20:06,000 --> 00:20:07,640 Speaker 2: we were making about eight and a half thousand dollars 368 00:20:07,680 --> 00:20:12,280 Speaker 2: together after tags per fortnite, and then we would just 369 00:20:12,320 --> 00:20:14,919 Speaker 2: save about five to six thousand dollars of that money, 370 00:20:15,359 --> 00:20:19,600 Speaker 2: and when we were away up at work, we would 371 00:20:19,640 --> 00:20:23,360 Speaker 2: have no expenses except for things like health insurance and 372 00:20:23,400 --> 00:20:26,800 Speaker 2: you know, car insurance and those things that don't change. 373 00:20:27,040 --> 00:20:33,040 Speaker 2: But we would have no electricity, food, rent, anything like that. 374 00:20:33,400 --> 00:20:37,359 Speaker 2: And those fortnights that we were working and had nothing, 375 00:20:37,400 --> 00:20:39,720 Speaker 2: we would almost save all of our money. We'd probably 376 00:20:39,720 --> 00:20:42,639 Speaker 2: spend about probably sixty dollars on a couple of a 377 00:20:42,640 --> 00:20:48,520 Speaker 2: couple of six packs of yeah, yeah, beer, sorry beer 378 00:20:48,640 --> 00:20:52,400 Speaker 2: or whatever. Yeah, it was just it was just quite 379 00:20:52,440 --> 00:20:55,240 Speaker 2: easy to be honest, because yeah, we were just both 380 00:20:55,280 --> 00:20:58,840 Speaker 2: focused open communication and yeah, we had our eye on 381 00:20:58,840 --> 00:21:00,120 Speaker 2: the prize. 382 00:21:00,359 --> 00:21:02,720 Speaker 1: Would you say that there are any particular sort of 383 00:21:02,760 --> 00:21:07,240 Speaker 1: financial habits or systems that you stuck by that actually 384 00:21:07,400 --> 00:21:09,560 Speaker 1: also helped make this so much easier. 385 00:21:11,160 --> 00:21:14,119 Speaker 2: It was easy for us because, like I said, we 386 00:21:14,160 --> 00:21:17,040 Speaker 2: didn't have many expenses. Like when I look at our 387 00:21:17,080 --> 00:21:21,040 Speaker 2: life now compared to them, now we have children, we 388 00:21:21,080 --> 00:21:23,520 Speaker 2: have so many more expensive. Food is so much more extensive, 389 00:21:23,600 --> 00:21:25,640 Speaker 2: Electricity is so much more expensing, all of that kind 390 00:21:25,640 --> 00:21:29,719 Speaker 2: of stuff. Where then, because our expenses were so low 391 00:21:29,760 --> 00:21:32,520 Speaker 2: and we were making good money together and we had 392 00:21:32,560 --> 00:21:35,800 Speaker 2: no loans or anything. It was just it was just 393 00:21:35,880 --> 00:21:39,600 Speaker 2: easy because we were just both on the same page always. 394 00:21:40,520 --> 00:21:43,320 Speaker 1: Were there particular habits like you know, checking doing a 395 00:21:43,359 --> 00:21:46,800 Speaker 1: budget and checking a budget and checking your savings and 396 00:21:46,840 --> 00:21:50,600 Speaker 1: doing automatic transfers or manual transfers, or you know, having 397 00:21:50,800 --> 00:21:53,280 Speaker 1: a date night money night, Like, were there any particular 398 00:21:54,040 --> 00:21:57,560 Speaker 1: practical habits that you had as well, or everything was 399 00:21:57,600 --> 00:21:58,879 Speaker 1: just organic and float. 400 00:21:59,119 --> 00:22:02,199 Speaker 2: I guess the habit we had was every fortnight when 401 00:22:02,240 --> 00:22:05,800 Speaker 2: we got paid, we'd sit down together and do it. Yeah, 402 00:22:05,840 --> 00:22:07,920 Speaker 2: like we'd always and we still do that now. We 403 00:22:07,960 --> 00:22:12,159 Speaker 2: sit down together and we we go, okay, so we 404 00:22:12,200 --> 00:22:15,399 Speaker 2: spent this on this and transfer that. We pay for 405 00:22:15,440 --> 00:22:17,760 Speaker 2: everything on credit card. We pretty much always have because 406 00:22:17,800 --> 00:22:20,640 Speaker 2: we like the points. Yeah, so it's like we pay 407 00:22:20,720 --> 00:22:22,359 Speaker 2: for these, so we will transfer the five hundred to 408 00:22:22,359 --> 00:22:24,600 Speaker 2: the credit card and we just discuss it and then 409 00:22:24,600 --> 00:22:27,200 Speaker 2: we go, okay, we've got six and a half thousand 410 00:22:27,240 --> 00:22:29,880 Speaker 2: dollars left this fortnight. Okay, well, let's put one thousand 411 00:22:29,920 --> 00:22:31,520 Speaker 2: dollars towards our Europe holiday and the five and a 412 00:22:31,560 --> 00:22:34,040 Speaker 2: half towards our house. So we had all the different accounts, 413 00:22:34,080 --> 00:22:36,439 Speaker 2: But I guess the only habit we really had was 414 00:22:36,680 --> 00:22:38,919 Speaker 2: just doing it together and always discussing it. 415 00:22:40,000 --> 00:22:42,800 Speaker 1: But that's a very powerful habit, you know. Yeah, that 416 00:22:42,960 --> 00:22:46,680 Speaker 1: sitting down meticulously else the Fortnite is incredible and now 417 00:22:46,720 --> 00:22:49,960 Speaker 1: it makes a lot of sense. Yeah, and even the 418 00:22:50,000 --> 00:22:52,840 Speaker 1: time you probably just don't even realize that the pow 419 00:22:52,880 --> 00:22:54,280 Speaker 1: it's helped serve you guys. 420 00:22:54,640 --> 00:22:57,360 Speaker 2: Yeah, it's also like I mean, obviously. 421 00:22:57,080 --> 00:22:59,600 Speaker 1: You and your husband are very much aligned and you're 422 00:22:59,680 --> 00:23:04,040 Speaker 1: both very very focused. Have you ever had like a 423 00:23:04,160 --> 00:23:07,720 Speaker 1: challenge that's come your way or like a pivotal moment 424 00:23:07,720 --> 00:23:10,280 Speaker 1: in your life where you had to make a big 425 00:23:10,280 --> 00:23:13,199 Speaker 1: decision where you had different opinions. 426 00:23:14,160 --> 00:23:18,439 Speaker 2: I wouldn't I wouldn't say too much we'd had different opinions. 427 00:23:18,480 --> 00:23:22,439 Speaker 2: But I was raised I was definitely raised more. You 428 00:23:22,480 --> 00:23:26,399 Speaker 2: pay a fr mortgage, you don't kind of waste money, 429 00:23:26,680 --> 00:23:29,080 Speaker 2: even though I don't think traveling is wasting money at all. 430 00:23:29,480 --> 00:23:32,159 Speaker 2: But I was definitely raised much more strict when it 431 00:23:32,200 --> 00:23:36,919 Speaker 2: came to money, where my husband was definitely raised a 432 00:23:36,920 --> 00:23:40,760 Speaker 2: bit more. They went on, they went on much more, 433 00:23:41,119 --> 00:23:43,240 Speaker 2: many more holidays and what I did when I was 434 00:23:43,280 --> 00:23:45,879 Speaker 2: a child and he'd been you know, to Europe and 435 00:23:45,960 --> 00:23:49,800 Speaker 2: America before he was ten and lots of tips at 436 00:23:49,800 --> 00:23:52,280 Speaker 2: the Gold Coasts and things like that, and he was 437 00:23:52,320 --> 00:23:55,879 Speaker 2: definitely raised a little bit more like you only live 438 00:23:55,960 --> 00:24:00,680 Speaker 2: once where I was raised like pay everything, not don't 439 00:24:00,720 --> 00:24:03,840 Speaker 2: have fun, because that sounds very strict. But yeah, so 440 00:24:03,880 --> 00:24:09,280 Speaker 2: we've balanced, Yeah, but we've come together and attitude towards it. 441 00:24:09,359 --> 00:24:11,800 Speaker 2: We've kind of meshed it together. So now it's like 442 00:24:12,359 --> 00:24:17,439 Speaker 2: we have so much fun, but we're really responsible with 443 00:24:17,520 --> 00:24:18,399 Speaker 2: our money as well. 444 00:24:19,000 --> 00:24:19,560 Speaker 1: Yeah. 445 00:24:19,720 --> 00:24:22,560 Speaker 2: Yeah, so we've kind of complemented each other. Both brought 446 00:24:22,560 --> 00:24:26,639 Speaker 2: in a different different angle of money and what you 447 00:24:26,720 --> 00:24:30,240 Speaker 2: do with it. And I think we've really yeah, just 448 00:24:30,320 --> 00:24:33,760 Speaker 2: come up with a really good solution of fun but 449 00:24:33,840 --> 00:24:36,600 Speaker 2: being financially responsible as well of course. 450 00:24:36,840 --> 00:24:38,800 Speaker 1: And then okay, so you've got the block of land 451 00:24:38,840 --> 00:24:41,400 Speaker 1: which you've now paid off, Like what happened from there? 452 00:24:41,440 --> 00:24:42,160 Speaker 1: What did you do? 453 00:24:43,359 --> 00:24:47,000 Speaker 2: So we also bought another block of land. So it 454 00:24:47,040 --> 00:24:50,080 Speaker 2: was always my husband's dream to have a house down 455 00:24:50,080 --> 00:24:53,840 Speaker 2: at the Snowy Mountains in New South Wales, and he'd 456 00:24:53,880 --> 00:24:59,320 Speaker 2: been looking on real estate for ages in the area 457 00:24:59,359 --> 00:25:01,600 Speaker 2: that he wanted that he liked, and this block came 458 00:25:01,680 --> 00:25:03,600 Speaker 2: up and it was one hundred thousand for over a 459 00:25:03,600 --> 00:25:08,040 Speaker 2: thousand square meters great spot on yeah, on you could 460 00:25:08,040 --> 00:25:10,879 Speaker 2: see the mountains, you could see the lake. And he's like, actually, 461 00:25:10,880 --> 00:25:12,159 Speaker 2: we duck home and check it. And I was like, 462 00:25:12,720 --> 00:25:14,040 Speaker 2: to go home and check. It's going to cost at 463 00:25:14,080 --> 00:25:17,320 Speaker 2: least five grand stop for flights and accommodation and driving 464 00:25:17,359 --> 00:25:19,679 Speaker 2: down the hiker. I was like, let's just buy it, 465 00:25:19,720 --> 00:25:22,600 Speaker 2: and he's like, right, oh. We literally bought it two 466 00:25:22,640 --> 00:25:23,120 Speaker 2: weeks later. 467 00:25:24,200 --> 00:25:24,360 Speaker 1: See. 468 00:25:24,960 --> 00:25:26,600 Speaker 2: Yeah, we were just like, that could go wrong, and 469 00:25:26,680 --> 00:25:28,560 Speaker 2: so we ended up getting it for eighty seven thousand 470 00:25:28,640 --> 00:25:33,400 Speaker 2: because they could. Blocks were quite hard to sell then 471 00:25:33,440 --> 00:25:35,879 Speaker 2: for some reason, it wasn't a very popular area, so 472 00:25:35,920 --> 00:25:38,360 Speaker 2: we just kind of sat on that pay. We borrowed 473 00:25:38,400 --> 00:25:40,480 Speaker 2: money for that, and then we ended up paying that 474 00:25:40,520 --> 00:25:44,200 Speaker 2: off as well in the process. And then I can't 475 00:25:44,200 --> 00:25:47,199 Speaker 2: remember the exact timeframe that we paid that off. It 476 00:25:47,240 --> 00:25:49,080 Speaker 2: was while we were still working in the mines anyway, 477 00:25:49,200 --> 00:25:52,280 Speaker 2: a couple of years. And then yeah, we saved about 478 00:25:52,880 --> 00:25:57,479 Speaker 2: three hundred and three hundred odd thousand towards building our house. 479 00:25:59,320 --> 00:26:06,440 Speaker 2: And then I left the mines in twenty late twenty sixteen, 480 00:26:06,840 --> 00:26:09,679 Speaker 2: pregnant with that, we got married in twenty sixteen, and 481 00:26:09,680 --> 00:26:12,520 Speaker 2: then late twenty sixteen I left the minds pregnant with 482 00:26:12,560 --> 00:26:15,680 Speaker 2: our little girl. So I went on to attorney leave 483 00:26:15,800 --> 00:26:20,720 Speaker 2: for a couple of years and never I was never 484 00:26:20,760 --> 00:26:24,439 Speaker 2: going to return, but just took the attorney leave and 485 00:26:24,520 --> 00:26:27,879 Speaker 2: then we built our house. So we ended up we 486 00:26:27,960 --> 00:26:30,879 Speaker 2: ended up borrowing the money that we paid off our 487 00:26:30,920 --> 00:26:35,160 Speaker 2: block of land and about the exact figures, but about 488 00:26:35,160 --> 00:26:37,920 Speaker 2: one hundred and fifty zerousand, and then we had the 489 00:26:38,080 --> 00:26:42,000 Speaker 2: money that we'd saved up, and we built our house. Wow, 490 00:26:42,400 --> 00:26:44,640 Speaker 2: we ownly built our house because my husband's a bricklayer, 491 00:26:44,720 --> 00:26:48,520 Speaker 2: so he was able to do a lot of it. Yeah, 492 00:26:49,680 --> 00:26:51,320 Speaker 2: as you can see the prick, waill do you me? 493 00:26:53,000 --> 00:26:57,280 Speaker 1: And then so where to from there? Because you're you're 494 00:26:57,320 --> 00:26:59,679 Speaker 1: invested in shares as well, and like. 495 00:27:00,240 --> 00:27:03,280 Speaker 2: We weren't investing then I wish It's probably my biggest 496 00:27:03,560 --> 00:27:07,280 Speaker 2: regret that we should have been investing from a younger age, 497 00:27:07,320 --> 00:27:09,359 Speaker 2: but it just wasn't something that we either of us 498 00:27:10,320 --> 00:27:15,280 Speaker 2: really grew up with and until we started listening to 499 00:27:15,359 --> 00:27:20,200 Speaker 2: podcasts that's when we started investing. So now we ended 500 00:27:20,320 --> 00:27:23,840 Speaker 2: up we ended up subdividing the block of land that 501 00:27:23,880 --> 00:27:28,280 Speaker 2: we bought and we sold half of it in. It 502 00:27:28,400 --> 00:27:31,480 Speaker 2: was just after it was during COVID twenty maybe it 503 00:27:31,560 --> 00:27:36,680 Speaker 2: was twenty twenty one, I think, and paid off a 504 00:27:36,760 --> 00:27:40,840 Speaker 2: big chunk of our pretty much paid off most of 505 00:27:41,000 --> 00:27:43,960 Speaker 2: the mortgage that we had on our principal place of 506 00:27:44,040 --> 00:27:49,200 Speaker 2: residence and then we still had a little bit and 507 00:27:49,320 --> 00:27:51,120 Speaker 2: then we were always going to build a holiday house 508 00:27:51,160 --> 00:27:53,959 Speaker 2: down there, but then we just decided we don't need 509 00:27:54,040 --> 00:27:58,119 Speaker 2: a holiday house. We could have, but we just didn't 510 00:27:58,119 --> 00:28:01,800 Speaker 2: want to get into. Don't know, everything had gone up 511 00:28:02,080 --> 00:28:05,639 Speaker 2: a lot past post COVID with building costs and it 512 00:28:05,720 --> 00:28:07,520 Speaker 2: was probably going to cost us minimum of six to 513 00:28:07,560 --> 00:28:09,560 Speaker 2: seven hundred thousand, and we were just like, we don't 514 00:28:09,560 --> 00:28:12,520 Speaker 2: want to be in that much step for a holiday house. Yeah, 515 00:28:12,560 --> 00:28:14,280 Speaker 2: and it's five hours four and a half five hours 516 00:28:14,320 --> 00:28:16,760 Speaker 2: away from here. If we airb and beat it, it's 517 00:28:16,880 --> 00:28:18,920 Speaker 2: just too far away for me to manage it. We'd 518 00:28:18,920 --> 00:28:21,840 Speaker 2: have to be paying someone else. And we just decided 519 00:28:21,960 --> 00:28:24,880 Speaker 2: we actually don't need a holiday house and we would 520 00:28:24,960 --> 00:28:27,760 Speaker 2: rather have that money that we could sell the block 521 00:28:27,880 --> 00:28:30,600 Speaker 2: land for put into shares and work towards our goal 522 00:28:30,680 --> 00:28:33,440 Speaker 2: of having quite a good passive income later in life. 523 00:28:33,600 --> 00:28:35,240 Speaker 2: So that's what we did recently. 524 00:28:36,040 --> 00:28:38,160 Speaker 1: It's really interesting and you're the first person to ever 525 00:28:38,200 --> 00:28:41,640 Speaker 1: share this opinion with me, because I'm actually not really 526 00:28:42,560 --> 00:28:46,520 Speaker 1: like a fan of the whole holiday house thing. You know, 527 00:28:47,480 --> 00:28:49,640 Speaker 1: if you've got an abundance of cash and you can 528 00:28:49,680 --> 00:28:51,960 Speaker 1: have for the best of both worlds brilliant. But when 529 00:28:51,960 --> 00:28:54,840 Speaker 1: I think about, you know, a holiday house and whether 530 00:28:54,880 --> 00:28:57,400 Speaker 1: i'd want one, I'm the same as you. I was like, well, 531 00:28:57,920 --> 00:28:59,440 Speaker 1: I'd have a lot of money tied up in this 532 00:28:59,640 --> 00:29:03,160 Speaker 1: one asset, but it would mean that I'd always feel 533 00:29:03,160 --> 00:29:05,400 Speaker 1: obliged to go on a holiday just to there, and 534 00:29:05,560 --> 00:29:08,480 Speaker 1: for me, I'd rather explore the world. So I'd rather 535 00:29:08,640 --> 00:29:11,880 Speaker 1: have that money to help pay for, you know, going 536 00:29:11,920 --> 00:29:15,840 Speaker 1: to a new country every single year, and you know, 537 00:29:15,960 --> 00:29:18,400 Speaker 1: be able to not worry about the maintenance and them 538 00:29:18,440 --> 00:29:20,920 Speaker 1: wear and tear of a family home and the land 539 00:29:21,000 --> 00:29:24,400 Speaker 1: tacks attached to it, and just have that complete freedom 540 00:29:24,480 --> 00:29:26,800 Speaker 1: to go. We can almost make our own holiday home 541 00:29:26,840 --> 00:29:27,600 Speaker 1: in a different country. 542 00:29:28,600 --> 00:29:33,320 Speaker 2: That was basic. That was basically the exact conversation that 543 00:29:33,400 --> 00:29:38,440 Speaker 2: we had pretty much. It was we could. But then 544 00:29:39,040 --> 00:29:41,400 Speaker 2: and you're relying, You're also if we were going tough 545 00:29:41,440 --> 00:29:42,840 Speaker 2: with those a holiday house, she wouldn't rent it out 546 00:29:42,840 --> 00:29:45,040 Speaker 2: full time. You'd have it as an airbnb or whatever 547 00:29:45,080 --> 00:29:48,479 Speaker 2: when you're not there unless you exactly, unless you're rich 548 00:29:48,600 --> 00:29:51,440 Speaker 2: enough not to have someone, but when you can. 549 00:29:51,400 --> 00:29:54,320 Speaker 1: Have the whole of the beach house and the international 550 00:29:54,360 --> 00:29:57,400 Speaker 1: holidays every year, but also the things with beach houses 551 00:29:57,440 --> 00:29:59,840 Speaker 1: and renting them out the time that it's most popular 552 00:30:00,040 --> 00:30:01,040 Speaker 1: to make the most amount. 553 00:30:00,760 --> 00:30:04,640 Speaker 2: Of money, when you want to do that want exactly. 554 00:30:04,960 --> 00:30:08,360 Speaker 1: He's not as fabulous as it sounds like. Obviously, if 555 00:30:08,360 --> 00:30:10,400 Speaker 1: you're in a very fortunate position where you own it 556 00:30:10,480 --> 00:30:12,760 Speaker 1: out right, you don't need to rent it out and 557 00:30:12,920 --> 00:30:14,920 Speaker 1: you can't afford to go on all those wholidays amazing, 558 00:30:15,040 --> 00:30:18,040 Speaker 1: like what a fortunate position to be, and you know 559 00:30:18,280 --> 00:30:20,480 Speaker 1: it would be wonderful, But I just, yeah, I'm not 560 00:30:20,600 --> 00:30:24,000 Speaker 1: sold on it. So you're the first person's ever Yeah, I'm. 561 00:30:23,840 --> 00:30:27,080 Speaker 2: Exactly the same. And we like going down there a 562 00:30:27,120 --> 00:30:30,800 Speaker 2: couple of times a year, go skiing. We don't need 563 00:30:30,840 --> 00:30:34,120 Speaker 2: a house there, and we're exactly the same. We build 564 00:30:34,120 --> 00:30:37,239 Speaker 2: an investment portfolio, will have us eve income. We can 565 00:30:37,360 --> 00:30:40,200 Speaker 2: do whatever we want to do. We need reason, But yeah, 566 00:30:40,280 --> 00:30:41,720 Speaker 2: I didn't want to be going to the same place 567 00:30:41,720 --> 00:30:45,480 Speaker 2: every third weekend. And yeah, so it ended up working 568 00:30:45,520 --> 00:30:48,160 Speaker 2: out really well and we agreed, and it's sold. We 569 00:30:48,320 --> 00:30:51,200 Speaker 2: sold it early this year, just before the end of 570 00:30:51,240 --> 00:30:53,959 Speaker 2: financial year, so we have to pay a little bit 571 00:30:53,960 --> 00:30:55,800 Speaker 2: of capital gains tax, but that's okay. We've got to 572 00:30:56,160 --> 00:30:59,000 Speaker 2: put a side in a bank account until it's due 573 00:30:59,200 --> 00:31:02,840 Speaker 2: next year. And yeah, and then when we got that money, 574 00:31:02,920 --> 00:31:06,920 Speaker 2: we paid the rest of this mortgage off and invested 575 00:31:06,960 --> 00:31:09,920 Speaker 2: the rest. Okay, So now invested most. 576 00:31:09,760 --> 00:31:12,480 Speaker 1: Of the rest. So now what to focus beyond the 577 00:31:12,680 --> 00:31:15,760 Speaker 1: investing sites. That's the most exciting side. How did you 578 00:31:15,920 --> 00:31:18,400 Speaker 1: go from being, especially being a your husband being a 579 00:31:18,720 --> 00:31:23,400 Speaker 1: building background, you know, how did you go from property 580 00:31:23,520 --> 00:31:26,720 Speaker 1: and bricks and water to a share portfolio, which is 581 00:31:26,760 --> 00:31:30,840 Speaker 1: an intangible asset? Yes, that transition. Did it feel scary 582 00:31:30,880 --> 00:31:31,320 Speaker 1: at first? 583 00:31:31,440 --> 00:31:36,800 Speaker 2: Like, not really, because we just I'd listened to hundreds 584 00:31:36,840 --> 00:31:41,200 Speaker 2: of your podcasts and other finance podcasts as well, and 585 00:31:41,480 --> 00:31:43,760 Speaker 2: I made my husband listen to a couple of them, 586 00:31:44,000 --> 00:31:47,680 Speaker 2: one of them the one with Peter Thornhill. And then 587 00:31:47,800 --> 00:31:51,200 Speaker 2: he's like, yep, that's fine, I'm done. And like I said, 588 00:31:51,240 --> 00:31:55,000 Speaker 2: none of our financial conversations have ever really been difficult. 589 00:31:55,080 --> 00:31:57,760 Speaker 2: I don't think we've actually ever I can't think of 590 00:31:57,840 --> 00:32:01,360 Speaker 2: an argument that we've ever had about because it has 591 00:32:01,480 --> 00:32:04,600 Speaker 2: just always been clear and open communication. But again this 592 00:32:04,800 --> 00:32:07,360 Speaker 2: time was another time. And then I explained it to 593 00:32:07,440 --> 00:32:13,360 Speaker 2: him and we discussed passing income and we looked at examples, 594 00:32:13,480 --> 00:32:16,360 Speaker 2: you know, by these shares and you get this this 595 00:32:17,000 --> 00:32:19,920 Speaker 2: percentage of dividends like you know, last year they got that, 596 00:32:20,040 --> 00:32:22,760 Speaker 2: so it should be better the next year or if 597 00:32:22,800 --> 00:32:25,400 Speaker 2: not the same And yeah, he was sold just like 598 00:32:25,480 --> 00:32:28,160 Speaker 2: I was. So then we we did it, just transferred 599 00:32:28,160 --> 00:32:30,000 Speaker 2: it and bought them. 600 00:32:30,080 --> 00:32:32,719 Speaker 1: So did you open up an online to share trading account? 601 00:32:32,920 --> 00:32:35,920 Speaker 2: Yes, so we're with NAB Trade and we already had 602 00:32:36,080 --> 00:32:40,440 Speaker 2: we already had it open with just a few small 603 00:32:40,480 --> 00:32:42,000 Speaker 2: amounts in there. 604 00:32:42,120 --> 00:32:44,960 Speaker 1: But yeah, so and what was the first investment that 605 00:32:45,000 --> 00:32:47,400 Speaker 1: you made, not that this is investment of my listeners. 606 00:32:48,000 --> 00:32:54,880 Speaker 3: Well, we bought BHP first, okay, just because that's who 607 00:32:54,960 --> 00:32:59,120 Speaker 3: we worked for and they've got good results, and that 608 00:32:59,320 --> 00:33:01,200 Speaker 3: that was the first parcel of shares we bought. 609 00:33:02,720 --> 00:33:05,040 Speaker 1: And then how did you decide to buy the next? 610 00:33:05,080 --> 00:33:07,800 Speaker 1: And were you buying and you know, obviously don't disclose 611 00:33:07,840 --> 00:33:10,040 Speaker 1: the size of your TRUP. No, no, that's okay, But 612 00:33:10,440 --> 00:33:13,680 Speaker 1: how did you work out the parcels? Just basically, I 613 00:33:13,800 --> 00:33:14,360 Speaker 1: want to invest. 614 00:33:14,480 --> 00:33:16,920 Speaker 2: I want to do this, well, most of it, we've 615 00:33:17,040 --> 00:33:20,640 Speaker 2: done most of it. We've done e F ETF Sorry, 616 00:33:21,040 --> 00:33:27,720 Speaker 2: with Vanguard. So we've got the Australian Vanguard, the Vanguard 617 00:33:27,800 --> 00:33:31,800 Speaker 2: rest of the World minus America, and then the Vanguard America. 618 00:33:33,200 --> 00:33:36,280 Speaker 2: So we've got three with kind of equal amounts in each. 619 00:33:36,760 --> 00:33:38,040 Speaker 2: We're probably going to have a little bit more in 620 00:33:38,080 --> 00:33:42,120 Speaker 2: the Australian one. So the yeah, pretty much. You could 621 00:33:42,160 --> 00:33:47,120 Speaker 2: say a quarter of our portfolio is in three quarters 622 00:33:47,160 --> 00:33:48,640 Speaker 2: of it is in each of them. And then we've 623 00:33:48,680 --> 00:33:53,520 Speaker 2: got yeah, and then we've got some with BHP Quantas, 624 00:33:53,840 --> 00:34:01,120 Speaker 2: We've got Woodside, Transurban Group and Soul Pats okay. 625 00:34:01,640 --> 00:34:04,920 Speaker 1: And then do you plan on sticking with the diversified 626 00:34:04,920 --> 00:34:05,960 Speaker 1: approach of ETFs? 627 00:34:06,400 --> 00:34:06,960 Speaker 2: Pretty much? 628 00:34:07,720 --> 00:34:09,800 Speaker 1: And will you be looking to add in listed investment 629 00:34:09,840 --> 00:34:11,200 Speaker 1: companies to the portfolio? 630 00:34:11,719 --> 00:34:15,640 Speaker 2: Yeah? Possibly, Yeah, pretty much. I think we'll stick with 631 00:34:15,800 --> 00:34:19,239 Speaker 2: most mostly with the ETFs we've got because it, yeah, 632 00:34:19,239 --> 00:34:23,759 Speaker 2: it just seems it's quite easy. And but I have 633 00:34:23,880 --> 00:34:26,360 Speaker 2: been looking at listed investment companies as well, So for 634 00:34:26,520 --> 00:34:28,239 Speaker 2: the for the moment, we're going to stick with that 635 00:34:28,880 --> 00:34:29,759 Speaker 2: we've got. 636 00:34:30,560 --> 00:34:35,040 Speaker 1: I'm sorry to ask all this, nor it helped me 637 00:34:35,600 --> 00:34:37,840 Speaker 1: it helps the listeners really understand how easy this is, 638 00:34:37,880 --> 00:34:42,560 Speaker 1: because it's so intimidating and initially getting started investing in shares. 639 00:34:42,640 --> 00:34:45,200 Speaker 1: So when you bought your shares, you know, did you 640 00:34:45,480 --> 00:34:48,239 Speaker 1: decide to reinvest your dividends to help the portfolio grow 641 00:34:48,360 --> 00:34:49,400 Speaker 1: or do you take the dividends? 642 00:34:49,680 --> 00:34:53,719 Speaker 2: And yeah, we're reinvesting, reinvesting and sorry. One thing that 643 00:34:53,800 --> 00:34:56,919 Speaker 2: we did do to gain confidence was we opened each 644 00:34:57,680 --> 00:35:01,120 Speaker 2: This was a year or so ago while when we 645 00:35:01,200 --> 00:35:04,640 Speaker 2: were originally talking about selling our block and going down 646 00:35:04,719 --> 00:35:07,640 Speaker 2: this path. We each opened as shares's account just the 647 00:35:07,760 --> 00:35:11,080 Speaker 2: micro investing, and we just do little bits here and there, 648 00:35:12,000 --> 00:35:15,239 Speaker 2: and just to see how easy it was. So we 649 00:35:15,360 --> 00:35:17,480 Speaker 2: both have one each in our own names, and we 650 00:35:17,600 --> 00:35:20,640 Speaker 2: do ten dollars here and ten dollars there, and just 651 00:35:21,000 --> 00:35:24,360 Speaker 2: so we both were buying shares and not sending a 652 00:35:24,480 --> 00:35:26,959 Speaker 2: lot of money. It was before we've sold our block, 653 00:35:27,000 --> 00:35:28,920 Speaker 2: and it kind of just dipped our toeing the market 654 00:35:28,960 --> 00:35:32,400 Speaker 2: and then it was exciting. And then that's what I 655 00:35:32,440 --> 00:35:35,400 Speaker 2: guess gave us a bit more confidence to do it. 656 00:35:35,920 --> 00:35:39,200 Speaker 1: To do it, I think micro investing is great for 657 00:35:39,280 --> 00:35:42,640 Speaker 1: getting started, yes, not for your shouldn't be part of 658 00:35:42,680 --> 00:35:44,600 Speaker 1: your long term strategy because you know, we build a 659 00:35:44,840 --> 00:35:46,160 Speaker 1: seven figurelio. 660 00:35:46,719 --> 00:35:49,160 Speaker 2: N No, we've only got we've only got a thousand 661 00:35:49,239 --> 00:35:51,160 Speaker 2: or dollars in it in it, but it was really 662 00:35:51,200 --> 00:35:53,640 Speaker 2: good for Yeah, it was really good for just starting 663 00:35:53,719 --> 00:35:55,719 Speaker 2: and to see how easy it was to buy them. 664 00:35:56,280 --> 00:35:59,120 Speaker 1: And it's a great way to educate yourself experience and 665 00:35:59,200 --> 00:36:02,320 Speaker 1: some confidence as well. Yes, yeah, And then when it 666 00:36:02,400 --> 00:36:05,759 Speaker 1: comes to sort of adding to the portfolio, are you 667 00:36:05,920 --> 00:36:08,200 Speaker 1: you know, how are you working out from you know, 668 00:36:08,280 --> 00:36:10,200 Speaker 1: now that you've got children and the living expenses are 669 00:36:10,239 --> 00:36:12,759 Speaker 1: so much more, and you are you know, possibly can't 670 00:36:12,840 --> 00:36:14,959 Speaker 1: necessarily contributed to what you may have done in the past, 671 00:36:15,040 --> 00:36:17,000 Speaker 1: Like how are you adding to the portfolio to make 672 00:36:17,040 --> 00:36:19,440 Speaker 1: sure that that portfolio continues on growing. 673 00:36:20,120 --> 00:36:22,560 Speaker 2: So we're just we don't have a mortgage payment anymore, 674 00:36:22,640 --> 00:36:26,400 Speaker 2: and we have no loans at all, so we are 675 00:36:26,560 --> 00:36:30,880 Speaker 2: just training it like a mortgage and we're paying We 676 00:36:31,080 --> 00:36:34,440 Speaker 2: will pay money into the NAB Trade cash account each week, 677 00:36:34,520 --> 00:36:36,640 Speaker 2: and then when there's one thousand dollars, then we'll buy 678 00:36:36,640 --> 00:36:41,319 Speaker 2: another parcel of shares. So hopefully it'll be at least 679 00:36:41,360 --> 00:36:43,160 Speaker 2: two hundred and yeah, hopefully it'll be at least two 680 00:36:43,239 --> 00:36:47,160 Speaker 2: hundred fifty dollars every week and then yeah, we on 681 00:36:47,239 --> 00:36:50,439 Speaker 2: need to have over many dollars in chairs to wow 682 00:36:50,719 --> 00:36:51,440 Speaker 2: live a good lift. 683 00:36:52,239 --> 00:36:55,320 Speaker 1: And as we wrap up this episode, like, can you 684 00:36:55,360 --> 00:36:56,880 Speaker 1: talk me through just a couple of your goals that 685 00:36:56,920 --> 00:37:00,839 Speaker 1: you're working towards that really excite you and you're really 686 00:37:00,920 --> 00:37:02,040 Speaker 1: passionate and connected to. 687 00:37:02,640 --> 00:37:07,520 Speaker 2: Yeap So we're also superannuation putting a little bit extra 688 00:37:07,560 --> 00:37:13,719 Speaker 2: into that. And we did have one of the mining 689 00:37:13,760 --> 00:37:19,759 Speaker 2: companies we worked for they paid fourteen percent if you 690 00:37:19,960 --> 00:37:22,279 Speaker 2: paid in so they paid nine percent, well whatever it 691 00:37:22,400 --> 00:37:23,960 Speaker 2: was then nine and a half. If you paid in 692 00:37:24,040 --> 00:37:26,719 Speaker 2: five percent, they'd pay in another five so they were 693 00:37:26,760 --> 00:37:29,320 Speaker 2: paying Yeah, so they will paying a bit over fourteen 694 00:37:29,360 --> 00:37:30,919 Speaker 2: percent and then we're paying five so it was about 695 00:37:31,000 --> 00:37:34,439 Speaker 2: nineteen and a half percent super So it did build 696 00:37:34,520 --> 00:37:38,120 Speaker 2: up nicely back then, but we're still focused on that, 697 00:37:38,960 --> 00:37:41,600 Speaker 2: focused on building the share portfolio, and really focused on 698 00:37:41,719 --> 00:37:43,759 Speaker 2: just having an amazing life with our kids. That was 699 00:37:44,239 --> 00:37:48,040 Speaker 2: also one of the driving factors to sell this block 700 00:37:48,560 --> 00:37:52,360 Speaker 2: and have no mortgage because our daughters ate our sons 701 00:37:52,440 --> 00:37:56,600 Speaker 2: for we really love travel and we want to you know, 702 00:37:56,719 --> 00:37:59,239 Speaker 2: take them on oversea. A couple of overseas holidays and 703 00:38:00,200 --> 00:38:02,160 Speaker 2: just have a really good time and not be stressed 704 00:38:02,200 --> 00:38:06,879 Speaker 2: about money. And yeah, that's pretty much our goal. Live 705 00:38:06,920 --> 00:38:10,680 Speaker 2: a great life. We love our house. Yeah, and just 706 00:38:10,760 --> 00:38:14,120 Speaker 2: live a great life of fun and that's the aim. 707 00:38:15,239 --> 00:38:21,320 Speaker 1: What advice would you give someone who is, say in 708 00:38:21,360 --> 00:38:25,040 Speaker 1: the mid twenties or mid thirties, and they're just starting 709 00:38:25,120 --> 00:38:28,840 Speaker 1: out on their financial freedom journey and they listen to 710 00:38:28,960 --> 00:38:30,840 Speaker 1: this and go, all right, I want to replicate this. 711 00:38:31,320 --> 00:38:34,520 Speaker 1: What advice would you give that person listening to this 712 00:38:34,640 --> 00:38:35,359 Speaker 1: episode right. 713 00:38:35,280 --> 00:38:40,000 Speaker 2: Now if it was regarding trying to get into the 714 00:38:40,080 --> 00:38:42,640 Speaker 2: minds to make money, my advice would just be get 715 00:38:42,680 --> 00:38:45,399 Speaker 2: to Western Usraia and have a good time and get 716 00:38:45,480 --> 00:38:50,239 Speaker 2: out there and do it, or Queensland where wherever you 717 00:38:50,320 --> 00:38:53,800 Speaker 2: want to go. But just to just do it. You 718 00:38:53,880 --> 00:38:57,400 Speaker 2: can come back to if it doesn't work out, you 719 00:38:57,480 --> 00:39:00,279 Speaker 2: can come back to your old job, or you know, 720 00:39:01,280 --> 00:39:03,120 Speaker 2: just give it a go and have a good time 721 00:39:03,200 --> 00:39:07,440 Speaker 2: doing it. Advice regarding other financial. 722 00:39:07,520 --> 00:39:12,040 Speaker 1: Yeah, like the discipline you've had this, the communication, the 723 00:39:12,880 --> 00:39:15,120 Speaker 1: the investing in shares, that big that's a big leap, 724 00:39:15,280 --> 00:39:19,080 Speaker 1: you know, going from being property to shares. 725 00:39:18,920 --> 00:39:21,759 Speaker 2: Like in a relationship and just talking about it and 726 00:39:21,880 --> 00:39:25,600 Speaker 2: never ignoring it. Never ignore you know, I know people 727 00:39:25,640 --> 00:39:27,440 Speaker 2: that don't log into internet banking because they don't want 728 00:39:27,440 --> 00:39:29,200 Speaker 2: to see what they've spent on the weekend or something 729 00:39:29,280 --> 00:39:31,359 Speaker 2: like that. Just never ignore it. You cannot bury your 730 00:39:31,360 --> 00:39:34,560 Speaker 2: head in the sand. You have to just hit it 731 00:39:34,680 --> 00:39:38,439 Speaker 2: full on. Yeah and yeah, have and have a goal. 732 00:39:39,120 --> 00:39:41,600 Speaker 2: Always have a goal and always talking about it and 733 00:39:41,800 --> 00:39:43,799 Speaker 2: reassessing it. Have a look and go Okay, this isn't 734 00:39:43,800 --> 00:39:45,960 Speaker 2: going to work, and come up with a plan B. 735 00:39:46,800 --> 00:39:50,040 Speaker 1: Yeah, and not be ashamed to do so exactly like 736 00:39:50,200 --> 00:39:51,799 Speaker 1: own it and own it with prime and. 737 00:39:51,880 --> 00:39:55,080 Speaker 2: Start investing as soon as you can. Don't wait till 738 00:39:55,160 --> 00:39:59,160 Speaker 2: your I mean, I'm forty two, so yeah, I wish 739 00:39:59,200 --> 00:40:02,280 Speaker 2: I'd started investing when I was eighteen, but I didn't. 740 00:40:02,760 --> 00:40:06,480 Speaker 2: But you know, today today is just as good as 741 00:40:06,760 --> 00:40:08,279 Speaker 2: yeah today is. Do it now? 742 00:40:08,840 --> 00:40:12,160 Speaker 1: Yeah, look, with my financial planning hat on for me, 743 00:40:12,400 --> 00:40:15,640 Speaker 1: I see what has made you guys stand out financially 744 00:40:15,719 --> 00:40:19,800 Speaker 1: and build this incredible wealth and stability and security for 745 00:40:19,880 --> 00:40:21,920 Speaker 1: yourself and your family is that, you know, the key 746 00:40:21,960 --> 00:40:25,160 Speaker 1: of the regular date nights, financial date nights. That's the 747 00:40:25,239 --> 00:40:27,400 Speaker 1: fact that you guys have caught up once a fortnight 748 00:40:27,719 --> 00:40:30,319 Speaker 1: is really powerful. It makes such a big difference, keeps 749 00:40:30,360 --> 00:40:32,560 Speaker 1: you on the same page. When one person is not 750 00:40:32,640 --> 00:40:34,840 Speaker 1: feeling motivated, the other one can give them a bit 751 00:40:34,880 --> 00:40:36,640 Speaker 1: of a pep talk and boost them back up again, 752 00:40:36,680 --> 00:40:38,719 Speaker 1: and vice versa. You know, the fact that you guys 753 00:40:38,760 --> 00:40:42,000 Speaker 1: have always had financial goals that you've both been actively 754 00:40:42,120 --> 00:40:46,520 Speaker 1: working on and in making intentional decisions you know for 755 00:40:46,840 --> 00:40:49,759 Speaker 1: those goals. This this is what I think makes you 756 00:40:49,880 --> 00:40:53,239 Speaker 1: guys so different. And also the other thing is you 757 00:40:53,320 --> 00:40:54,719 Speaker 1: may not be aware of this because it's probably just 758 00:40:54,800 --> 00:40:57,920 Speaker 1: something you've done just naturally. Is you've clearly not over 759 00:40:58,000 --> 00:41:02,319 Speaker 1: extended yourselves. You've been very core and perhaps you've set 760 00:41:02,400 --> 00:41:05,719 Speaker 1: because this might be because you've seen people do this 761 00:41:06,120 --> 00:41:09,520 Speaker 1: and you've learned from their mistakes, but you're not overextending yourself, 762 00:41:09,560 --> 00:41:12,279 Speaker 1: not getting in over your head, not getting into too 763 00:41:12,360 --> 00:41:14,719 Speaker 1: much debt. It always sounds like you've kept at a 764 00:41:14,800 --> 00:41:18,319 Speaker 1: really smart level where it's been possible for you guys 765 00:41:18,400 --> 00:41:20,080 Speaker 1: to make such a big dent in your debt and 766 00:41:20,400 --> 00:41:23,400 Speaker 1: pay blocks off and mortgages off and stuff like that. 767 00:41:23,520 --> 00:41:26,560 Speaker 1: And then the fact you've obviously got so much control 768 00:41:26,760 --> 00:41:30,480 Speaker 1: and self discipline over that lifestyle creek that was obviously 769 00:41:30,640 --> 00:41:33,520 Speaker 1: echoed from when you were both young. Working in the 770 00:41:33,600 --> 00:41:35,719 Speaker 1: mind is not blowing all that money, but as you 771 00:41:35,840 --> 00:41:38,920 Speaker 1: are today as a family, almost like pretending you've got 772 00:41:38,960 --> 00:41:41,160 Speaker 1: a mortgage, but instead of the mortgage of payments, you're 773 00:41:41,160 --> 00:41:45,000 Speaker 1: actually building wealth and building an investment portfolio and building 774 00:41:45,040 --> 00:41:47,200 Speaker 1: that long term passive income. They're the key things that 775 00:41:47,320 --> 00:41:49,640 Speaker 1: stand out to me going that's why you guys are different. 776 00:41:49,719 --> 00:41:52,960 Speaker 1: That's why you guys are thriving financially, and that's why 777 00:41:53,040 --> 00:41:54,440 Speaker 1: you guys are going to not end up with a 778 00:41:54,640 --> 00:41:57,040 Speaker 1: million dollar share portfolio. You're probably going to end up 779 00:41:57,040 --> 00:42:00,480 Speaker 1: with a multimillion dollars share port But that's just but 780 00:42:00,600 --> 00:42:02,560 Speaker 1: this is my gut feel on a professional level. 781 00:42:03,400 --> 00:42:07,000 Speaker 2: Thank you. It's funny when you say that. We our 782 00:42:07,080 --> 00:42:10,200 Speaker 2: friends used to tease us in person because we'd fly 783 00:42:10,560 --> 00:42:12,480 Speaker 2: in and if we were going somewhere, we'd always say 784 00:42:12,520 --> 00:42:15,640 Speaker 2: the yha backpackers in Perth. We'd always get our own 785 00:42:15,719 --> 00:42:19,839 Speaker 2: room with a bathroom, but it was basic, and they'd 786 00:42:19,880 --> 00:42:23,120 Speaker 2: be like, you're making a lot of money and we're like, yeah, 787 00:42:23,160 --> 00:42:25,880 Speaker 2: but we're just staying here the night before we go wherever. 788 00:42:26,800 --> 00:42:29,279 Speaker 2: We don't need anything fancy, and they tease us but 789 00:42:29,760 --> 00:42:32,440 Speaker 2: that all those little things like that, saving a few 790 00:42:32,520 --> 00:42:34,479 Speaker 2: hundred dollars here and a few hundred dollars there makes 791 00:42:34,600 --> 00:42:35,759 Speaker 2: a big difference in the end. 792 00:42:36,400 --> 00:42:39,600 Speaker 1: Yeah, especially when you're taking that money and doing something 793 00:42:39,680 --> 00:42:44,200 Speaker 1: with it, Yes, redirecting those savings to something that builds wealth. Yeah, 794 00:42:44,239 --> 00:42:47,040 Speaker 1: you know, you know all was guilty of saving money, 795 00:42:47,040 --> 00:42:48,800 Speaker 1: but we end up saving money to then blow it 796 00:42:48,920 --> 00:42:52,280 Speaker 1: somewhere else. If you guys have actually had that discipline 797 00:42:52,320 --> 00:42:55,000 Speaker 1: and self control and that open communication to go right, 798 00:42:55,080 --> 00:42:57,320 Speaker 1: that's going into the mortgage, or that's going into the 799 00:42:57,360 --> 00:42:59,960 Speaker 1: savings account, or the share pool follower or the super anyway. 800 00:43:00,360 --> 00:43:03,800 Speaker 1: So you guys, I think are brilliant examples of what 801 00:43:04,320 --> 00:43:07,800 Speaker 1: everyone can can aspire to be and do and achieve. 802 00:43:07,960 --> 00:43:11,040 Speaker 1: So thank you for sharing this story with me. I'm 803 00:43:11,200 --> 00:43:12,160 Speaker 1: incredibly grateful. 804 00:43:12,480 --> 00:43:14,839 Speaker 2: Oh, thank you so much. I'm grateful to have shared 805 00:43:14,840 --> 00:43:17,399 Speaker 2: it with you. It's been a really nice chat. 806 00:43:18,800 --> 00:43:23,360 Speaker 1: Well for all the listeners. Lindsay's stories proof evidence that 807 00:43:23,520 --> 00:43:28,000 Speaker 1: with courage, intentional choices, and the power of teamwork which 808 00:43:28,040 --> 00:43:31,840 Speaker 1: makes the dream work, you can completely transform your financial future. 809 00:43:32,080 --> 00:43:35,319 Speaker 1: And starting from an ordinary income fifty five thousand dollars 810 00:43:35,320 --> 00:43:38,560 Speaker 1: a year. So thank you, Lindsay again for sharing your 811 00:43:38,600 --> 00:43:42,120 Speaker 1: story and the wisdom that you've gained with us today, 812 00:43:42,160 --> 00:43:44,600 Speaker 1: and for everyone listening, please make sure this is a 813 00:43:44,680 --> 00:43:48,960 Speaker 1: reminder that financial freedom isn't reserved for the rich or 814 00:43:49,040 --> 00:43:55,040 Speaker 1: the lucky. It is built step by step with clarity, confidence, consistency, 815 00:43:55,800 --> 00:43:59,879 Speaker 1: and courage. So for everyone listening, keep that the fourth 816 00:44:00,000 --> 00:44:03,319 Speaker 1: front of your mind and that financial fire burning bright 817 00:44:03,440 --> 00:44:06,240 Speaker 1: as you work on your own financial goals and dreams. 818 00:44:06,880 --> 00:44:08,759 Speaker 1: This is sugar Mama's fire. Pl