1 00:00:00,360 --> 00:00:03,080 Speaker 1: Welcome back to another episode of Start Here, the mini 2 00:00:03,120 --> 00:00:05,880 Speaker 1: series within Sugar Mama's Fireplay, where I answer your real 3 00:00:05,920 --> 00:00:22,160 Speaker 1: life questions with practical empowering steps. Today's question comes from 4 00:00:22,200 --> 00:00:24,880 Speaker 1: a young family of four with maybe number three on 5 00:00:24,960 --> 00:00:28,440 Speaker 1: the way. Now, this family desperately want to buy a home, 6 00:00:28,800 --> 00:00:33,239 Speaker 1: but living in Sydney makes saving for a deposit feel impossible, 7 00:00:33,880 --> 00:00:36,320 Speaker 1: and they're starting to wonder should they move to a 8 00:00:36,360 --> 00:00:39,640 Speaker 1: regional area where housing is cheaper, living costs are so 9 00:00:39,800 --> 00:00:42,640 Speaker 1: much lower, and her husband could actually earn a stronger 10 00:00:42,760 --> 00:00:46,640 Speaker 1: base salary. And she actually asks, am I silly for 11 00:00:46,720 --> 00:00:49,760 Speaker 1: considering this? Because I just can't see how we will 12 00:00:49,880 --> 00:00:54,640 Speaker 1: ever save a deposit whilst living in Sydney. Now, this 13 00:00:54,880 --> 00:00:57,600 Speaker 1: is such a powerful and timely question, and I know 14 00:00:57,720 --> 00:01:01,400 Speaker 1: so many families are asking themselves the eggs zact same thing. 15 00:01:01,760 --> 00:01:03,920 Speaker 1: So we're going to break this down together so that 16 00:01:04,000 --> 00:01:06,679 Speaker 1: you can see where to get started with your next 17 00:01:06,800 --> 00:01:09,960 Speaker 1: financial chapter. All right, First of all, I want to 18 00:01:10,000 --> 00:01:12,360 Speaker 1: take a moment to say you are not silly for 19 00:01:12,480 --> 00:01:16,320 Speaker 1: wondering if you should do this. You're actually courageous. It 20 00:01:16,360 --> 00:01:19,319 Speaker 1: takes bravery to ask these tough questions and search for 21 00:01:19,400 --> 00:01:23,480 Speaker 1: solutions rather than give up on the whole dream of 22 00:01:23,640 --> 00:01:27,520 Speaker 1: owning a family home. You know, housing affordability in major 23 00:01:27,560 --> 00:01:30,840 Speaker 1: cities right now is at crisis point. The property prices 24 00:01:30,880 --> 00:01:35,120 Speaker 1: have sowed, the loans required to take out these loans 25 00:01:35,160 --> 00:01:38,440 Speaker 1: are absolutely enormous and leave you living on a shoe 26 00:01:38,440 --> 00:01:41,760 Speaker 1: string budget, and then you've got rising rents which make 27 00:01:41,800 --> 00:01:45,520 Speaker 1: it almost impossible to actually get ahead, let alone starts 28 00:01:45,560 --> 00:01:49,120 Speaker 1: saving for a deposit. And then you add to this 29 00:01:49,520 --> 00:01:52,880 Speaker 1: the lack of new supply and growing demand of properties, 30 00:01:52,880 --> 00:01:56,360 Speaker 1: and it's no wonder families are feeling like they're struggling 31 00:01:56,400 --> 00:01:59,680 Speaker 1: to actually stay afloat let alone starts saving for a deposit. 32 00:02:00,240 --> 00:02:04,240 Speaker 1: So your message is actually perfectly timed. And I recently 33 00:02:04,400 --> 00:02:07,240 Speaker 1: spoke on the Today Show about the idea of a 34 00:02:07,280 --> 00:02:10,680 Speaker 1: financial gap year that is really trending right now with 35 00:02:10,760 --> 00:02:14,800 Speaker 1: young millennials. And sometimes you need to just take a 36 00:02:14,840 --> 00:02:17,640 Speaker 1: step sideways, or even in some cases state take a 37 00:02:17,639 --> 00:02:19,480 Speaker 1: step back, which is not what I'm saying you could 38 00:02:19,520 --> 00:02:22,440 Speaker 1: do right now, But sometimes we just need to change 39 00:02:22,520 --> 00:02:25,040 Speaker 1: the landscape the environment in order to be able to 40 00:02:25,080 --> 00:02:29,200 Speaker 1: move forward and move forward efficiently and with greater joy 41 00:02:29,360 --> 00:02:33,160 Speaker 1: and simplicity. And for some families This actually could be 42 00:02:33,200 --> 00:02:37,200 Speaker 1: the key that unlocks home ownership within a reasonable amount 43 00:02:37,320 --> 00:02:42,120 Speaker 1: of time. Now, what exactly is a financial gap year? Okay, 44 00:02:42,200 --> 00:02:45,200 Speaker 1: it's not about jetting off to Europe, but a financial 45 00:02:45,200 --> 00:02:49,280 Speaker 1: gap year is essentially what you're contemplating right now. It's 46 00:02:49,280 --> 00:02:53,080 Speaker 1: about moving away from the pressure cooker of city life 47 00:02:53,240 --> 00:02:55,680 Speaker 1: to a regional area where the cost of living is 48 00:02:56,520 --> 00:03:02,000 Speaker 1: a lot lower. Rant housing, fuel, groceries, transport, even like 49 00:03:02,200 --> 00:03:07,560 Speaker 1: going out socially is often so much more affordable. Now 50 00:03:07,560 --> 00:03:10,880 Speaker 1: this creates breathing room in your budget, but also for 51 00:03:10,880 --> 00:03:13,720 Speaker 1: your lifestyle. You know, for some families, this time is 52 00:03:13,840 --> 00:03:17,239 Speaker 1: used to aggressively save for a deposit and then move 53 00:03:17,320 --> 00:03:20,440 Speaker 1: back to their home, whilst for others it's about using 54 00:03:20,480 --> 00:03:23,880 Speaker 1: this time to pay down debt, or to get started 55 00:03:23,919 --> 00:03:27,119 Speaker 1: with investing, or up the ante on their investment strategy, 56 00:03:27,120 --> 00:03:31,200 Speaker 1: particularly for passionate members of the lifestyle movement fire or 57 00:03:31,240 --> 00:03:35,200 Speaker 1: it's simply about just taking a much needed reset away 58 00:03:35,240 --> 00:03:40,880 Speaker 1: from the stress of city living. Now, I've actually seen 59 00:03:41,360 --> 00:03:44,360 Speaker 1: a lot of my friends do this. Some move to 60 00:03:44,440 --> 00:03:48,040 Speaker 1: regional areas for the savings, and others just wanted a 61 00:03:48,120 --> 00:03:52,400 Speaker 1: break from their crazy Sydney mortgages. That is they moved 62 00:03:52,400 --> 00:03:54,240 Speaker 1: out of their homes, put them on the rental market 63 00:03:54,360 --> 00:03:57,640 Speaker 1: and got someone else to help pay their mortgage off. 64 00:03:57,720 --> 00:04:01,040 Speaker 1: Whilst they enjoyed a slower pace of life, many actually 65 00:04:01,080 --> 00:04:03,440 Speaker 1: ended up falling in love with the regional life, you know, 66 00:04:03,520 --> 00:04:07,360 Speaker 1: the slower pace, the stronger sense of community, and the 67 00:04:07,400 --> 00:04:12,680 Speaker 1: ability to afford those small luxuries like massages, weekends away, 68 00:04:12,920 --> 00:04:16,680 Speaker 1: going out to beautiful restaurants, you know, without any guilt 69 00:04:16,800 --> 00:04:21,000 Speaker 1: or damaging their financial future. Now, some actually ended up 70 00:04:21,040 --> 00:04:24,880 Speaker 1: staying permanently, you know, buying homes and taking out mortgages 71 00:04:25,040 --> 00:04:29,440 Speaker 1: that felt way more manageable rather than crushing, and others 72 00:04:29,480 --> 00:04:32,000 Speaker 1: actually returned back to the city after a few years 73 00:04:32,400 --> 00:04:35,200 Speaker 1: with either a deposit in hand or a lot of 74 00:04:35,240 --> 00:04:38,960 Speaker 1: their mortgage paid off. So the overall picture was everyone 75 00:04:39,080 --> 00:04:42,440 Speaker 1: had a lot less financial stress from having some time 76 00:04:42,480 --> 00:04:46,680 Speaker 1: out in regional areas. Now, my point is, if you 77 00:04:46,760 --> 00:04:50,159 Speaker 1: decide to do this, it doesn't have to be forever necessarily, 78 00:04:50,640 --> 00:04:53,640 Speaker 1: and even a few years doing this financial gap year 79 00:04:53,880 --> 00:04:57,640 Speaker 1: could really help change the trajectory of your financial life, 80 00:04:57,640 --> 00:05:00,760 Speaker 1: whether it be saving up a deposit, getting out of debt, 81 00:05:01,120 --> 00:05:06,600 Speaker 1: or kickstarting your fire investment strategy. So what are the 82 00:05:06,680 --> 00:05:10,599 Speaker 1: key benefits of moving to a regional town. So when 83 00:05:10,600 --> 00:05:14,200 Speaker 1: you start thinking about moving regionally, the first thing people 84 00:05:14,400 --> 00:05:17,840 Speaker 1: usually focus on is the lower housing costs, and yes, 85 00:05:18,240 --> 00:05:21,440 Speaker 1: that's a huge part of it. You know, smaller deposit 86 00:05:21,480 --> 00:05:23,599 Speaker 1: is needed, which means you can get into the property 87 00:05:23,640 --> 00:05:27,680 Speaker 1: market so much faster, and the mortgage repayments are usually 88 00:05:27,920 --> 00:05:31,240 Speaker 1: much lower than compared to living in the city. But 89 00:05:31,360 --> 00:05:35,159 Speaker 1: it doesn't actually stop there. It goes wider and deeper. 90 00:05:35,920 --> 00:05:38,360 Speaker 1: It's not just about the property prices. It's actually the 91 00:05:38,560 --> 00:05:43,560 Speaker 1: entire cost of living, rent, childcare, groceries, commuting, eating out, 92 00:05:44,080 --> 00:05:48,360 Speaker 1: almost everything tends to be cheaper, and that means more 93 00:05:48,360 --> 00:05:52,120 Speaker 1: money in your pocket that can go directly into your savings, 94 00:05:52,200 --> 00:05:55,480 Speaker 1: towards your deposit, your investment strategy, or even for some people, 95 00:05:55,600 --> 00:06:00,080 Speaker 1: into superinnuation if they're planning on retiring soon. And in 96 00:06:00,120 --> 00:06:04,159 Speaker 1: some industries, regional salaries can actually end up being so 97 00:06:04,400 --> 00:06:07,360 Speaker 1: much higher I've previously mentioned. I was talking to a 98 00:06:07,400 --> 00:06:11,040 Speaker 1: makeup artist whose nephew is an electrician working in the mines. 99 00:06:11,320 --> 00:06:14,520 Speaker 1: He's twenty earning two hundred and fifty thousand dollars, Like, 100 00:06:15,000 --> 00:06:17,160 Speaker 1: you're not going to find an electricians job for a 101 00:06:17,200 --> 00:06:19,279 Speaker 1: twenty year old in a major city paying two hundred 102 00:06:19,320 --> 00:06:21,960 Speaker 1: and fifty thousand dollars. You can see what I'm talking 103 00:06:21,960 --> 00:06:27,080 Speaker 1: about about potentially higher salaries in regional areas. And employers 104 00:06:27,200 --> 00:06:32,320 Speaker 1: know what they need to actually attract talent and also reliable, consistent, 105 00:06:32,480 --> 00:06:35,760 Speaker 1: good quality workers, so they're prepared to offer a competitive 106 00:06:35,760 --> 00:06:39,800 Speaker 1: based salary and sometimes with some additional perks like transport cars, 107 00:06:39,920 --> 00:06:43,960 Speaker 1: rental allowance, food of course bonuses. Sometimes even employees share plans, 108 00:06:44,520 --> 00:06:48,120 Speaker 1: so that could mean your family isn't just saving on costs, 109 00:06:48,200 --> 00:06:51,040 Speaker 1: you also might be able to increase your household income. 110 00:06:51,920 --> 00:06:55,599 Speaker 1: And then there is the lifestyle side. Regional living often 111 00:06:55,640 --> 00:07:01,040 Speaker 1: comes with I guess, a more slower pace and more space, 112 00:07:01,720 --> 00:07:05,440 Speaker 1: bigger gardens, bigger homes. You know, you can actually do 113 00:07:05,520 --> 00:07:08,760 Speaker 1: so many more things, you know, amongst nature. You know, 114 00:07:08,800 --> 00:07:11,840 Speaker 1: there's a much stronger sense of community. It's easier to 115 00:07:11,840 --> 00:07:14,560 Speaker 1: connect with people. They're not rushing and racing to catch 116 00:07:14,600 --> 00:07:17,400 Speaker 1: the bus or the train. You know, people just walking 117 00:07:17,400 --> 00:07:19,400 Speaker 1: down the streets at a slower pace and more open 118 00:07:19,400 --> 00:07:21,760 Speaker 1: minded and relaxed, and you start to feel like you 119 00:07:21,880 --> 00:07:24,600 Speaker 1: belong somewhere instead of you know, as I said, rushing 120 00:07:24,640 --> 00:07:27,000 Speaker 1: and sitting in traffic. You might find yourself, you know, 121 00:07:27,160 --> 00:07:30,560 Speaker 1: enjoying an afternoon walk in the park or going to 122 00:07:30,600 --> 00:07:35,240 Speaker 1: backyard barbecues or weekends that don't cost a fortune like 123 00:07:35,360 --> 00:07:39,120 Speaker 1: they do in major cities right now. And I've personally 124 00:07:39,160 --> 00:07:43,280 Speaker 1: seen families who thought home ownership was completely out of 125 00:07:43,320 --> 00:07:46,360 Speaker 1: reach and they'd almost pretty much given up, But they 126 00:07:46,400 --> 00:07:49,400 Speaker 1: gave themselves two or three years to live in a 127 00:07:49,440 --> 00:07:53,200 Speaker 1: regional town and they came back with savings, stability, and 128 00:07:53,560 --> 00:07:57,120 Speaker 1: that all important deposit that they dreamt of. So it 129 00:07:57,160 --> 00:07:59,640 Speaker 1: gave them a great fresh start and they wouldn't have 130 00:07:59,640 --> 00:08:01,560 Speaker 1: been able to have created that if they have stayed 131 00:08:01,680 --> 00:08:05,680 Speaker 1: in the city. Now. There are obviously challenges that we 132 00:08:05,760 --> 00:08:09,240 Speaker 1: need to consider with this, because as attractive as this sounds, 133 00:08:09,680 --> 00:08:13,120 Speaker 1: it's really important to be honest about the challenges as well. 134 00:08:13,160 --> 00:08:17,240 Speaker 1: You know, there are two sides to every opportunity. One 135 00:08:17,280 --> 00:08:19,680 Speaker 1: of the biggest hurdles is obviously the emotional side, you know, 136 00:08:19,760 --> 00:08:23,440 Speaker 1: leaving behind friends, family and your support networks. And for 137 00:08:23,520 --> 00:08:26,280 Speaker 1: young families, especially with a new baby on the way, 138 00:08:26,360 --> 00:08:30,400 Speaker 1: you know that support is critical, particularly for mums. So 139 00:08:30,720 --> 00:08:32,720 Speaker 1: you're going to need to weigh up about, you know, 140 00:08:32,800 --> 00:08:35,240 Speaker 1: how much you need to rely on those networks and 141 00:08:35,640 --> 00:08:39,360 Speaker 1: how you'd feel without having them nearby, or if they're 142 00:08:39,360 --> 00:08:42,480 Speaker 1: not nearby, what can you actually do about it? And 143 00:08:42,520 --> 00:08:46,800 Speaker 1: then there's the question of career. Is this a move 144 00:08:46,960 --> 00:08:50,200 Speaker 1: that is aligned with your husband's long term career growth? 145 00:08:50,600 --> 00:08:54,520 Speaker 1: And of course importantly, what about you. Are there opportunities 146 00:08:54,520 --> 00:08:57,520 Speaker 1: for you to work if you want to. Sometimes regional 147 00:08:57,559 --> 00:09:01,920 Speaker 1: areas can offer fantastic opportunities, but only in particular fields, 148 00:09:01,960 --> 00:09:06,360 Speaker 1: which can be really limiting and frustrating. You also think 149 00:09:06,360 --> 00:09:10,520 Speaker 1: about schools and healthcare. Is there a local hospital, is 150 00:09:10,520 --> 00:09:13,640 Speaker 1: there a good you know, daycare options? What about the 151 00:09:13,760 --> 00:09:17,079 Speaker 1: education system in that area? You know, these aren't necessarily 152 00:09:17,160 --> 00:09:20,880 Speaker 1: deal breakers, but they're really important factors to look before 153 00:09:21,000 --> 00:09:25,640 Speaker 1: you commit and pack those bags. And finally, lifestyle. You know, 154 00:09:25,760 --> 00:09:30,400 Speaker 1: some people thrive on that lower pace and others really struggle. 155 00:09:30,600 --> 00:09:33,560 Speaker 1: They get bored, and they get bored quickly. If you're 156 00:09:33,600 --> 00:09:37,800 Speaker 1: someone who genuinely or even secretly thrives on the buzz 157 00:09:37,840 --> 00:09:40,559 Speaker 1: and the energy of a big city, a regional town 158 00:09:40,880 --> 00:09:43,920 Speaker 1: may feel a little bit isolating. And this is why 159 00:09:43,920 --> 00:09:47,080 Speaker 1: I often suggest looking at as like an experiment rather 160 00:09:47,120 --> 00:09:50,199 Speaker 1: than a permanent move. You know, give yourself a timeline 161 00:09:50,240 --> 00:09:53,640 Speaker 1: of say one, two, three years, and if you love 162 00:09:53,640 --> 00:09:55,920 Speaker 1: it amazing, you can look at staying and if it 163 00:09:55,960 --> 00:09:58,520 Speaker 1: doesn't work out, you can reassess and make a new plan. 164 00:09:58,920 --> 00:10:00,960 Speaker 1: But the key is to go in with your eyes 165 00:10:01,240 --> 00:10:06,720 Speaker 1: wide open. So how do you actually make this big decision? Well, 166 00:10:06,920 --> 00:10:09,760 Speaker 1: this is what I suggest doing, sitting down as a 167 00:10:09,760 --> 00:10:14,520 Speaker 1: family and asking some very honest questions amongst yourselves. First 168 00:10:14,559 --> 00:10:17,600 Speaker 1: of all, what is your ultimate goal here? Is it 169 00:10:17,640 --> 00:10:20,360 Speaker 1: to buy in Sydney, no matter how long it takes, 170 00:10:20,640 --> 00:10:23,040 Speaker 1: or perhaps it's actually just to own a home anywhere, 171 00:10:23,080 --> 00:10:25,280 Speaker 1: whether it's in a regional area or in a city, 172 00:10:25,880 --> 00:10:30,640 Speaker 1: Because your answer here will actually help influence everything else. Secondly, 173 00:10:31,040 --> 00:10:34,640 Speaker 1: how much of a deposit do you realistically need? Is 174 00:10:34,679 --> 00:10:38,400 Speaker 1: it fifty thousand dollars, eighty thousand dollars, one hundred thousand dollars? 175 00:10:38,800 --> 00:10:40,600 Speaker 1: And have you factored in stamp duty in all those 176 00:10:40,600 --> 00:10:44,000 Speaker 1: other costs. Look at the figure that you actually need 177 00:10:44,080 --> 00:10:47,000 Speaker 1: to be able to secure the house of your dreams 178 00:10:47,080 --> 00:10:51,240 Speaker 1: and write that figure down. Put an actual figure on paper, 179 00:10:51,320 --> 00:10:55,560 Speaker 1: because it is much easier to plan around something concrete 180 00:10:55,600 --> 00:10:59,920 Speaker 1: than a vague goal or dream floating around in our heads. Thirdly, 181 00:11:00,360 --> 00:11:03,320 Speaker 1: how much faster could we actually save or you actually 182 00:11:03,360 --> 00:11:06,200 Speaker 1: save if you did move to a regional area. You 183 00:11:06,280 --> 00:11:08,680 Speaker 1: need to run the numbers you need to do, like 184 00:11:08,720 --> 00:11:11,600 Speaker 1: a side by side comparison of your budget in Sydney 185 00:11:11,800 --> 00:11:14,319 Speaker 1: versus what it would look like living in a regional town. 186 00:11:14,600 --> 00:11:17,319 Speaker 1: How much can you actually realistically save if you were 187 00:11:17,360 --> 00:11:21,040 Speaker 1: to do this? And then fourth, are we truly prepared 188 00:11:21,160 --> 00:11:25,839 Speaker 1: to adjust your lifestyle for long term financial gains? Are 189 00:11:25,840 --> 00:11:29,480 Speaker 1: we okay with less access to certain things like big 190 00:11:29,520 --> 00:11:34,520 Speaker 1: shopping centers, lots of restaurants and cafes to choose from 191 00:11:34,760 --> 00:11:38,200 Speaker 1: the beach, the parks, whatever it may be, for more 192 00:11:38,400 --> 00:11:41,600 Speaker 1: financial security? Is it worth it? Are we okay with that? 193 00:11:41,640 --> 00:11:44,360 Speaker 1: Can we do this for a period of time? Some 194 00:11:44,400 --> 00:11:46,520 Speaker 1: people may ask this and go, actually, no, I'm too 195 00:11:46,520 --> 00:11:48,840 Speaker 1: connected to my area, and there's your answer. But others 196 00:11:48,920 --> 00:11:51,200 Speaker 1: might go, you know what, in order to achieve this goal, 197 00:11:51,360 --> 00:11:52,679 Speaker 1: I could do it. I could definitely do it for 198 00:11:52,720 --> 00:11:55,840 Speaker 1: a couple of years. These conversations are so important. And 199 00:11:55,880 --> 00:11:59,600 Speaker 1: then fifth, could we treat this as a temporary financial 200 00:11:59,600 --> 00:12:01,840 Speaker 1: gap year? Could we commit to a set period of 201 00:12:01,880 --> 00:12:04,640 Speaker 1: say three years, and then reassess, Now, when you do 202 00:12:04,679 --> 00:12:07,840 Speaker 1: this exercise, and you include the practical side to you know, 203 00:12:07,920 --> 00:12:10,920 Speaker 1: you research the schools, the daycare options, You look into 204 00:12:10,960 --> 00:12:14,400 Speaker 1: the hospitals, make sure they have a maternity ward transport, 205 00:12:15,400 --> 00:12:17,720 Speaker 1: even the community itself. Does it feel like a place 206 00:12:17,720 --> 00:12:20,640 Speaker 1: that you could call home, even just for a little 207 00:12:20,720 --> 00:12:24,000 Speaker 1: period of time? And be really clear about your work. 208 00:12:25,080 --> 00:12:29,160 Speaker 1: Is your husband's training experience actually transferable? What is the 209 00:12:29,240 --> 00:12:32,320 Speaker 1: job security like? And if you wanted to work, what 210 00:12:32,360 --> 00:12:34,959 Speaker 1: are the opportunities for you? Is it in your skill 211 00:12:35,080 --> 00:12:38,240 Speaker 1: field and your experience? Are there's there part time options available? 212 00:12:38,600 --> 00:12:41,440 Speaker 1: You know, what is there there for you as well, 213 00:12:41,520 --> 00:12:45,240 Speaker 1: not just the family? And finally, what's plan B? If 214 00:12:45,400 --> 00:12:48,280 Speaker 1: it doesn't work it goes pair shaped? How are you 215 00:12:48,320 --> 00:12:51,520 Speaker 1: going to transition back? You know, having an exit plan, 216 00:12:52,600 --> 00:12:54,440 Speaker 1: whether you need to use it or not, gives you 217 00:12:55,120 --> 00:13:00,800 Speaker 1: brilliant and highly valuable peace of mind. So fi advice 218 00:13:01,080 --> 00:13:04,480 Speaker 1: and my encouragement to this young family right now is 219 00:13:04,559 --> 00:13:07,560 Speaker 1: to circle back to your original question. No, you're not 220 00:13:07,600 --> 00:13:11,479 Speaker 1: silly for considering this. You're being incredibly strategic and proactive. 221 00:13:12,000 --> 00:13:17,679 Speaker 1: Big dreams like home ownership often require really big, confronting 222 00:13:17,880 --> 00:13:22,040 Speaker 1: and sometimes scary decisions, and that can sometimes mean making 223 00:13:22,120 --> 00:13:25,360 Speaker 1: temporary sacrifices in order to create the long term outcome 224 00:13:25,760 --> 00:13:28,880 Speaker 1: that you want. Now, whether you stay in Sydney or 225 00:13:28,880 --> 00:13:31,520 Speaker 1: you decide to do this and move regionally, the most 226 00:13:31,559 --> 00:13:37,439 Speaker 1: important thing is clarity. Have a budget, have a savings 227 00:13:37,520 --> 00:13:41,960 Speaker 1: plan in place, and be really detailed with your goals, 228 00:13:42,440 --> 00:13:47,320 Speaker 1: the time frames and your personal boundaries. And remember this, 229 00:13:47,320 --> 00:13:50,760 Speaker 1: this isn't about surviving where you are. It's about creating 230 00:13:50,800 --> 00:13:53,960 Speaker 1: a life that you want and you dream for for 231 00:13:54,160 --> 00:13:58,360 Speaker 1: yourself and your family. Giving yourself permission to think differently 232 00:13:58,480 --> 00:14:01,040 Speaker 1: is one of the most powerful things you can actually do. 233 00:14:01,640 --> 00:14:04,040 Speaker 1: So don't think about this as running away from Sydney. 234 00:14:04,120 --> 00:14:08,080 Speaker 1: Think of this as running towards financial freedom, towards stability, 235 00:14:08,200 --> 00:14:11,319 Speaker 1: and towards the home and lifestyle that you dream of. 236 00:14:12,360 --> 00:14:15,320 Speaker 1: So thank you so much for this beautiful listener for 237 00:14:15,400 --> 00:14:18,679 Speaker 1: sending me this question. I know it's one that so 238 00:14:18,720 --> 00:14:21,800 Speaker 1: many families are really grappling with right now, so good 239 00:14:21,800 --> 00:14:23,960 Speaker 1: on you for actually picking up the phone and messaging 240 00:14:24,000 --> 00:14:27,400 Speaker 1: this to me. Now, if this episode resonated with you, 241 00:14:27,720 --> 00:14:29,400 Speaker 1: can you please make sure that you go and share 242 00:14:29,400 --> 00:14:32,120 Speaker 1: it with someone else who might be also considering moving, 243 00:14:32,440 --> 00:14:36,360 Speaker 1: whether it be regionally or maybe even overseas. Sometimes just 244 00:14:36,440 --> 00:14:40,080 Speaker 1: hearing another perspective can help people feel less alone and 245 00:14:40,600 --> 00:14:43,120 Speaker 1: so much more excited and empowered to make the right 246 00:14:43,160 --> 00:14:46,480 Speaker 1: decision for their family, whichever way they decide to go. 247 00:14:47,000 --> 00:14:49,320 Speaker 1: And remember, if you want me to cover one of 248 00:14:49,360 --> 00:14:52,040 Speaker 1: your questions and there are no silly questions in a 249 00:14:52,080 --> 00:14:55,600 Speaker 1: future episode of Start Here, which goes live every Friday morning, 250 00:14:55,880 --> 00:14:58,680 Speaker 1: make sure you send me a DM on Instagram at 251 00:14:58,680 --> 00:15:02,440 Speaker 1: Sugar Mama TV or my fun personal lifestyle account Canna 252 00:15:02,480 --> 00:15:06,160 Speaker 1: Campbell Official, and I would be honored to help you 253 00:15:06,240 --> 00:15:10,280 Speaker 1: take that first step towards creating financial clarity, confidence, and 254 00:15:10,400 --> 00:15:14,480 Speaker 1: ultimately freedom. All Right, until next time, keep that financial 255 00:15:14,560 --> 00:15:19,120 Speaker 1: fire burning bright within. This is start Here for Sugar 256 00:15:19,160 --> 00:15:56,520 Speaker 1: Mama's fire Plane.