1 00:00:00,040 --> 00:00:04,920 Speaker 1: From housing commission to home owner. This is Sugar Mama's 2 00:00:04,920 --> 00:00:07,960 Speaker 1: fireplay and an episode you are not going to want 3 00:00:08,119 --> 00:00:12,639 Speaker 1: to miss. Welcome back to Sugar Mama's Fireplay. I am 4 00:00:12,680 --> 00:00:15,720 Speaker 1: your host's financial planner, Canna Campbell. In today's episode is 5 00:00:15,760 --> 00:00:21,040 Speaker 1: all about resilience, vision, and transformation in rewriting your own 6 00:00:21,079 --> 00:00:24,279 Speaker 1: financial story. You're going to hear from Jesse, who's in 7 00:00:24,280 --> 00:00:26,759 Speaker 1: the studio with me right now. And Jesse is a 8 00:00:26,800 --> 00:00:29,440 Speaker 1: young woman who grew up in housing commission and went 9 00:00:29,520 --> 00:00:32,920 Speaker 1: on to save seventy three thousand dollars in order to 10 00:00:32,960 --> 00:00:37,680 Speaker 1: buy her first home with absolutely no help or any inheritance. 11 00:00:38,120 --> 00:00:40,360 Speaker 1: If you ever felt like your past might be holding 12 00:00:40,400 --> 00:00:43,159 Speaker 1: you back, this is the perfect episode for you, and 13 00:00:43,200 --> 00:00:45,560 Speaker 1: it's going to remind you that you have so much power, 14 00:00:45,840 --> 00:00:50,720 Speaker 1: choice and control within your hands right now. So grab 15 00:00:50,720 --> 00:00:52,840 Speaker 1: a piece of paper and a pen, take some notes, 16 00:00:53,000 --> 00:00:56,920 Speaker 1: or just sit back and listen to Jesse's story and 17 00:00:57,000 --> 00:00:58,520 Speaker 1: her incredibly. 18 00:00:58,400 --> 00:00:59,920 Speaker 2: Inspiring words of. 19 00:01:02,680 --> 00:01:05,000 Speaker 1: Jesse, good morning, how how are you today? 20 00:01:05,040 --> 00:01:06,039 Speaker 3: Good? Thank you? 21 00:01:06,080 --> 00:01:08,720 Speaker 1: And you've driven all the way down from bakfast or 22 00:01:08,760 --> 00:01:10,880 Speaker 1: for it down She's like up or across from a 23 00:01:10,880 --> 00:01:15,720 Speaker 1: bathfist kind kind of across yeah, and how have you been? 24 00:01:16,040 --> 00:01:19,640 Speaker 3: Yeah good, I'm yeah, very stressful. I've got my partners 25 00:01:19,640 --> 00:01:19,959 Speaker 3: over in. 26 00:01:19,920 --> 00:01:22,800 Speaker 4: Europe at the moment, so lucky him. Yes, so he's 27 00:01:22,840 --> 00:01:25,720 Speaker 4: been away the entire time this whole process has been 28 00:01:25,760 --> 00:01:29,240 Speaker 4: going on. So yeah, so it's kind of left me 29 00:01:29,480 --> 00:01:31,920 Speaker 4: in a position where I've got to deal with everything. 30 00:01:32,000 --> 00:01:34,040 Speaker 4: But that's okay because we've been in contact. 31 00:01:34,120 --> 00:01:38,040 Speaker 1: And yeah, well, look from reading about you and your story, 32 00:01:38,440 --> 00:01:41,840 Speaker 1: you are so fine. You've got everything covered and you're 33 00:01:41,840 --> 00:01:45,240 Speaker 1: a very strong, resilient young person. So thank you for 34 00:01:45,360 --> 00:01:47,640 Speaker 1: the listeners who haven't heard about your story and who 35 00:01:47,640 --> 00:01:50,080 Speaker 1: you are. Can you go back to the beginning and 36 00:01:50,200 --> 00:01:54,520 Speaker 1: share a little bit about your background and how you've 37 00:01:54,520 --> 00:01:59,760 Speaker 1: become a homeowner, like growing up in like poverty and 38 00:01:59,760 --> 00:02:03,000 Speaker 1: how in commission and a lot of adversity against you. 39 00:02:03,840 --> 00:02:07,760 Speaker 4: So I think going all the way back, growing up, 40 00:02:07,920 --> 00:02:10,480 Speaker 4: I didn't really know that there was an option of 41 00:02:10,600 --> 00:02:14,320 Speaker 4: buying a house. I didn't know the difference between renting, 42 00:02:14,400 --> 00:02:18,480 Speaker 4: between housing, commission, between anything really And then as I 43 00:02:18,520 --> 00:02:23,600 Speaker 4: got older, I learned about different things and saw that. 44 00:02:26,280 --> 00:02:28,600 Speaker 3: I can make something out of myself. 45 00:02:29,440 --> 00:02:34,960 Speaker 4: And I met my partner back in twenty twenty and 46 00:02:35,120 --> 00:02:40,359 Speaker 4: since then, we have been through it all. He's been 47 00:02:40,360 --> 00:02:44,400 Speaker 4: there with me the entire way. And I think I 48 00:02:44,440 --> 00:02:48,280 Speaker 4: didn't really grasp the concept of owning a home until 49 00:02:48,400 --> 00:02:50,040 Speaker 4: he mentioned it, and. 50 00:02:50,040 --> 00:02:51,800 Speaker 3: We would talk about how. 51 00:02:53,040 --> 00:02:57,280 Speaker 4: Paying off someone else's rent is paying off their mortgage, 52 00:02:57,280 --> 00:02:59,800 Speaker 4: like paying a rent is paying off someone else's mortgage. 53 00:03:00,040 --> 00:03:02,440 Speaker 4: So it was a bit different and a bit of 54 00:03:02,480 --> 00:03:04,400 Speaker 4: a different way to think about it. And I started 55 00:03:04,440 --> 00:03:07,560 Speaker 4: thinking more and more differently about. 56 00:03:07,560 --> 00:03:11,160 Speaker 1: So you like slowly transitioned into the thought of actually 57 00:03:11,440 --> 00:03:15,519 Speaker 1: being a homeown or even a landlord, yes, versus just 58 00:03:15,600 --> 00:03:19,960 Speaker 1: simply you know, funding their investments. Yes, yeah, can we 59 00:03:20,000 --> 00:03:24,360 Speaker 1: talk about growing up in housing commission? And you know, 60 00:03:25,200 --> 00:03:27,359 Speaker 1: for you right now, Jesse, and for anyone else listening 61 00:03:27,400 --> 00:03:30,120 Speaker 1: right now, please know that you are safe. This is 62 00:03:30,639 --> 00:03:34,520 Speaker 1: all about inspiring people, giving practical solutions, and supporting people 63 00:03:34,520 --> 00:03:37,520 Speaker 1: and giving them the faith and confidence to change their 64 00:03:37,560 --> 00:03:40,000 Speaker 1: future and to step up, and you know, and to 65 00:03:40,040 --> 00:03:41,800 Speaker 1: obviously educate themselves along the way. 66 00:03:42,160 --> 00:03:43,720 Speaker 2: But I'd love to hear from. 67 00:03:43,640 --> 00:03:49,280 Speaker 1: You how did your childhood experiences shape your own views 68 00:03:49,720 --> 00:03:53,240 Speaker 1: on money security and financial success. 69 00:03:54,120 --> 00:03:56,880 Speaker 4: I think the main thing was, like, obviously we grow 70 00:03:56,960 --> 00:04:00,560 Speaker 4: up and we were living week to week paycheck to 71 00:04:00,640 --> 00:04:04,480 Speaker 4: paycheck and seeing everyone else at school coming to school 72 00:04:04,480 --> 00:04:06,720 Speaker 4: with new shoes and new bags and all of that 73 00:04:06,760 --> 00:04:10,120 Speaker 4: sort of thing really put a damper on the way 74 00:04:10,200 --> 00:04:11,920 Speaker 4: I saw my life going. 75 00:04:12,600 --> 00:04:13,360 Speaker 2: And really hard. 76 00:04:13,680 --> 00:04:17,640 Speaker 4: Yeah yeah, it was eventually, and like, do not get 77 00:04:17,640 --> 00:04:21,400 Speaker 4: me wrong, I don't regret in any way growing up 78 00:04:21,440 --> 00:04:23,560 Speaker 4: the way that I did. It's made me extremely grateful 79 00:04:24,200 --> 00:04:25,880 Speaker 4: on how the way I view things now. 80 00:04:27,040 --> 00:04:29,360 Speaker 2: I love that attitude. By the way, Yeah, thank you. 81 00:04:30,880 --> 00:04:34,279 Speaker 4: But yeah no, I wasn't like sent a lump sum 82 00:04:34,320 --> 00:04:37,760 Speaker 4: of money or had any form of assistance with anything. 83 00:04:37,800 --> 00:04:39,039 Speaker 3: So I think growing up. 84 00:04:40,720 --> 00:04:44,680 Speaker 4: With that hardship was very difficult to start off with. 85 00:04:44,839 --> 00:04:47,160 Speaker 4: And then as I grew older, I got a job 86 00:04:47,200 --> 00:04:49,599 Speaker 4: when I was fourteen. I've never not had a job 87 00:04:49,640 --> 00:04:50,120 Speaker 4: since then. 88 00:04:51,440 --> 00:04:52,760 Speaker 2: Wow, you've had a great work ethic. 89 00:04:52,920 --> 00:04:54,960 Speaker 3: Yes, I would like. 90 00:04:54,960 --> 00:04:58,880 Speaker 4: To think so, but yeah no, I've held down a 91 00:04:58,960 --> 00:05:01,640 Speaker 4: job since I was fourteen, So having my own money 92 00:05:02,040 --> 00:05:05,800 Speaker 4: really helped. I struggled for a little while and followed 93 00:05:05,800 --> 00:05:07,720 Speaker 4: in their footsteps for a little bit and was just 94 00:05:07,880 --> 00:05:10,159 Speaker 4: living week to week because it wasn't on very much. 95 00:05:10,200 --> 00:05:14,080 Speaker 4: I was at KFCA for three years. But yeah, no, 96 00:05:14,160 --> 00:05:17,480 Speaker 4: I think growing up in a housing commission house. Truly 97 00:05:17,480 --> 00:05:20,360 Speaker 4: made me realize how grateful I am to be living 98 00:05:20,520 --> 00:05:21,280 Speaker 4: how I am now. 99 00:05:22,520 --> 00:05:24,359 Speaker 1: At what point did you realize that you wanted to 100 00:05:24,400 --> 00:05:29,560 Speaker 1: have a very different life and sense of financial stability. 101 00:05:31,000 --> 00:05:33,640 Speaker 3: I think I fully realized in year twelve. 102 00:05:34,440 --> 00:05:36,440 Speaker 4: I realized I was going out into the real world. 103 00:05:37,040 --> 00:05:39,719 Speaker 4: I'm not going to have a school to rely on. 104 00:05:39,760 --> 00:05:41,839 Speaker 4: I'm not going to have that consistent routine anymore. 105 00:05:42,520 --> 00:05:46,760 Speaker 3: And I definitely fully realized at year twelve. 106 00:05:46,600 --> 00:05:51,360 Speaker 4: And I went on to start saving, and then I 107 00:05:51,400 --> 00:05:54,839 Speaker 4: had a lot of struggles with work. 108 00:05:55,040 --> 00:05:57,040 Speaker 3: And staying consistent with work. 109 00:05:57,080 --> 00:05:59,479 Speaker 4: I was always a casual, so I wasn't able to 110 00:05:59,480 --> 00:06:01,320 Speaker 4: find full time very often. 111 00:06:01,920 --> 00:06:03,800 Speaker 1: That would have been really hard from a budgeting point 112 00:06:03,839 --> 00:06:07,280 Speaker 1: of view with this inconsistent income, Yes, because you know 113 00:06:07,680 --> 00:06:10,720 Speaker 1: expenses are also inconsistent. You know, no two months are 114 00:06:10,720 --> 00:06:13,000 Speaker 1: the same when it comes to living expenses, so to 115 00:06:13,120 --> 00:06:15,960 Speaker 1: juggle that would have been an additional challenge. On the 116 00:06:16,000 --> 00:06:19,880 Speaker 1: fact that you were so young and didn't necessarily have that, 117 00:06:19,920 --> 00:06:25,159 Speaker 1: I guess financial education instilled in you by people around you. 118 00:06:25,440 --> 00:06:26,159 Speaker 3: Yeah, of course. 119 00:06:26,200 --> 00:06:28,240 Speaker 4: And I think that's where my partner mainly comes into 120 00:06:28,240 --> 00:06:31,440 Speaker 4: it is he helped me to save and to start 121 00:06:31,520 --> 00:06:37,440 Speaker 4: learning to properly save. I hit last year when I 122 00:06:37,480 --> 00:06:41,320 Speaker 4: got my tax return back. I got quite a bit 123 00:06:41,360 --> 00:06:43,360 Speaker 4: of money back from my tax return because my work 124 00:06:43,480 --> 00:06:47,560 Speaker 4: was over taxing me, and I put five grand straight 125 00:06:47,600 --> 00:06:48,479 Speaker 4: into my savings. 126 00:06:48,680 --> 00:06:49,840 Speaker 2: Oh, I would have thought, so good. 127 00:06:49,880 --> 00:06:50,680 Speaker 3: It was really good. 128 00:06:51,800 --> 00:06:56,720 Speaker 1: Okay, you and your partner managed to save seventy three 129 00:06:56,760 --> 00:07:02,880 Speaker 1: thousand dollars, which is an incredible feature, especially with the 130 00:07:03,000 --> 00:07:04,040 Speaker 1: rising cost of living. 131 00:07:05,240 --> 00:07:06,920 Speaker 2: What were some of the core. 132 00:07:06,880 --> 00:07:09,520 Speaker 1: Strategies and things that you actually did that helped you 133 00:07:09,560 --> 00:07:12,520 Speaker 1: actually get to that goal so quickly. 134 00:07:13,160 --> 00:07:16,000 Speaker 3: So I think the main portion of it. 135 00:07:16,080 --> 00:07:18,600 Speaker 4: So obviously I'm not going to sit there and say 136 00:07:18,880 --> 00:07:20,480 Speaker 4: I would love to say I sit there and saved 137 00:07:20,520 --> 00:07:23,240 Speaker 4: exactly half of that, But my partner saved fifty grand 138 00:07:23,280 --> 00:07:24,200 Speaker 4: and I had twenty three. 139 00:07:24,720 --> 00:07:27,400 Speaker 1: Still, that's amazing, and teamwork makes the dream work. So 140 00:07:27,640 --> 00:07:31,080 Speaker 1: don't ever downplay your own efforts and support it is. 141 00:07:31,480 --> 00:07:36,880 Speaker 4: No and yeah, So he was saving consistently for four years, 142 00:07:36,880 --> 00:07:39,040 Speaker 4: So we've been together for five years in two months. 143 00:07:39,560 --> 00:07:42,240 Speaker 4: So for the past four years, he was an apprentice 144 00:07:42,240 --> 00:07:44,480 Speaker 4: brick layer, and he saved quite a bit of money 145 00:07:44,520 --> 00:07:49,720 Speaker 4: and was a consistent saver. Whereas I was inconsistent. I 146 00:07:49,800 --> 00:07:52,240 Speaker 4: was constantly taking money out of my savings putting it 147 00:07:52,280 --> 00:07:55,679 Speaker 4: back into my savings. And when I got that tax 148 00:07:55,680 --> 00:07:57,600 Speaker 4: return back last year, I was like, this is it. 149 00:07:57,800 --> 00:08:02,640 Speaker 4: I've got a knuckle down, fully commit to saving this 150 00:08:02,640 --> 00:08:07,200 Speaker 4: this money. And as I started watching it grow and 151 00:08:07,280 --> 00:08:10,120 Speaker 4: I saw it hit ten k, I was extremely proud 152 00:08:10,160 --> 00:08:10,679 Speaker 4: of myself. 153 00:08:10,720 --> 00:08:12,320 Speaker 3: I never wanted to see it go down. 154 00:08:12,600 --> 00:08:13,200 Speaker 2: You're hooked. 155 00:08:13,560 --> 00:08:15,600 Speaker 3: Yes, it was like a rush. 156 00:08:15,720 --> 00:08:19,520 Speaker 4: I definitely loved seeing the money grow in my account. 157 00:08:19,680 --> 00:08:24,280 Speaker 4: And yeah, I eventually I think I saved including the 158 00:08:24,320 --> 00:08:28,640 Speaker 4: five grand from the tax return, I saved twenty grand 159 00:08:28,800 --> 00:08:30,679 Speaker 4: in less than twelve months. 160 00:08:31,160 --> 00:08:33,320 Speaker 1: That is unbelievable. 161 00:08:34,040 --> 00:08:36,840 Speaker 2: And you're paying brand you're no. 162 00:08:37,120 --> 00:08:39,400 Speaker 4: So the fortunate thing is is that we live with 163 00:08:39,440 --> 00:08:43,640 Speaker 4: my partner's parents currently, so we had the privilege of 164 00:08:43,760 --> 00:08:44,920 Speaker 4: staying there rent free. 165 00:08:45,400 --> 00:08:46,440 Speaker 2: I say to people, if. 166 00:08:46,360 --> 00:08:48,760 Speaker 1: You in a fortune position where you can live at home, 167 00:08:49,360 --> 00:08:51,600 Speaker 1: live at home for as long as you possibly can, 168 00:08:52,120 --> 00:08:55,000 Speaker 1: but save your little heart out for as long as 169 00:08:55,040 --> 00:08:58,360 Speaker 1: you can. And I lived at home until I did 170 00:08:58,400 --> 00:08:59,800 Speaker 1: the same thing. I lived at home until I saved 171 00:08:59,840 --> 00:09:02,480 Speaker 1: up deposit, and my parents were streact with me and 172 00:09:02,600 --> 00:09:06,080 Speaker 1: I wasn't living at home to like you know, milk 173 00:09:06,120 --> 00:09:09,000 Speaker 1: them and you know, live this extravagant lifestyle. I was, 174 00:09:09,320 --> 00:09:11,400 Speaker 1: you know, I had to show that I was living 175 00:09:11,400 --> 00:09:13,559 Speaker 1: at home so I could save money. This was all for, 176 00:09:14,160 --> 00:09:16,839 Speaker 1: you know, something for my financial future and stability, so 177 00:09:17,320 --> 00:09:20,640 Speaker 1: they let me keep living with them. What would you 178 00:09:20,679 --> 00:09:24,520 Speaker 1: say are some of the key setbacks were challenges that 179 00:09:24,559 --> 00:09:27,120 Speaker 1: you found as you were, you know, saving up for 180 00:09:27,160 --> 00:09:29,920 Speaker 1: your first home, and how did you like, obviously you 181 00:09:29,960 --> 00:09:30,760 Speaker 1: hit that ten k. 182 00:09:30,720 --> 00:09:32,920 Speaker 2: Mark and that was a huge catalyst for you to. 183 00:09:32,920 --> 00:09:36,319 Speaker 1: Go, right, Okay, this is serious now, Like I've managed 184 00:09:36,360 --> 00:09:38,520 Speaker 1: to save and obviously go on to say that you know, 185 00:09:39,160 --> 00:09:42,120 Speaker 1: up to twenty thousand dollars, Like how did you push 186 00:09:42,160 --> 00:09:45,120 Speaker 1: through those challenging times and what do they look like? 187 00:09:45,240 --> 00:09:48,120 Speaker 1: And you know, if you did have a setback, how 188 00:09:48,120 --> 00:09:49,760 Speaker 1: did you bounce back? Sorr, I've just realized I was 189 00:09:49,760 --> 00:09:50,840 Speaker 1: just giving you like three questions. 190 00:09:51,000 --> 00:09:51,640 Speaker 3: That's okay. 191 00:09:52,480 --> 00:09:55,400 Speaker 4: So I think the main thing was, like, obviously we 192 00:09:55,480 --> 00:09:57,640 Speaker 4: had a lot of arguments. We had a lot of 193 00:09:57,760 --> 00:10:01,640 Speaker 4: arguments about me needing to me needing to get a 194 00:10:01,640 --> 00:10:04,320 Speaker 4: full time job to have permanent income. We had a 195 00:10:04,320 --> 00:10:09,160 Speaker 4: lot of arguments surrounding money and surrounding how much we're 196 00:10:09,200 --> 00:10:13,040 Speaker 4: going to fully need. We had setbacks with the broker, 197 00:10:13,440 --> 00:10:14,840 Speaker 4: so we went and saw a broker. 198 00:10:14,880 --> 00:10:19,080 Speaker 3: He was amazing. Although when we went to see the 199 00:10:19,080 --> 00:10:24,600 Speaker 3: broker there was my work. It set me back multiple times. 200 00:10:24,760 --> 00:10:27,720 Speaker 4: So I would stay in a job for six months 201 00:10:27,840 --> 00:10:29,160 Speaker 4: and try to gain full time. 202 00:10:29,720 --> 00:10:31,200 Speaker 3: They wouldn't give me full time. 203 00:10:31,600 --> 00:10:36,440 Speaker 1: So I had this Yeah, that is that is you can, 204 00:10:36,480 --> 00:10:38,400 Speaker 1: sir on this show. It's fine because I swear all 205 00:10:38,400 --> 00:10:40,920 Speaker 1: the time off the show and on the show. But 206 00:10:41,240 --> 00:10:44,280 Speaker 1: that is so messed up, Like that's so unfortunate and 207 00:10:44,280 --> 00:10:47,360 Speaker 1: it's so unfair, and I like getting so close being 208 00:10:47,440 --> 00:10:51,920 Speaker 1: so reliable, trustworthy, building up credibility with an employer, you know, 209 00:10:52,440 --> 00:10:55,600 Speaker 1: hoping that they're going to put you on a full 210 00:10:55,640 --> 00:10:58,920 Speaker 1: time role and then they say no, and so you're 211 00:10:58,920 --> 00:11:02,079 Speaker 1: back to square one against yes, because the bank aren't 212 00:11:02,080 --> 00:11:04,480 Speaker 1: going to put your name and include you in the 213 00:11:04,600 --> 00:11:06,439 Speaker 1: serviceability of a homer, so it. 214 00:11:06,400 --> 00:11:08,640 Speaker 2: Really doesn't actually impact ability. 215 00:11:08,800 --> 00:11:11,719 Speaker 1: It's such a it's such a handicap, you know, in 216 00:11:12,200 --> 00:11:17,360 Speaker 1: those situations. That's that is a massive hurdle and challenge 217 00:11:17,400 --> 00:11:20,320 Speaker 1: to overcome. Yeah, so did you just eventually kept just 218 00:11:20,720 --> 00:11:22,600 Speaker 1: went back to square one, tried all over again. 219 00:11:22,840 --> 00:11:25,320 Speaker 4: So we did that a couple of times, so I 220 00:11:25,320 --> 00:11:29,800 Speaker 4: think we first saw the broker mid last year. We 221 00:11:29,880 --> 00:11:32,280 Speaker 4: got told Luckie going to need to go full time 222 00:11:32,520 --> 00:11:35,000 Speaker 4: because I wasn't six months at my job yet. 223 00:11:35,440 --> 00:11:36,440 Speaker 3: And I was like, that's okay. 224 00:11:36,480 --> 00:11:39,080 Speaker 4: Because every time I'd hit six months, even though I 225 00:11:39,160 --> 00:11:40,800 Speaker 4: still could have gone to the bank and gone his 226 00:11:40,920 --> 00:11:43,400 Speaker 4: six months worth of my pace lips, I'm a casual. 227 00:11:44,160 --> 00:11:46,559 Speaker 4: I was worried that my income was not going to 228 00:11:46,600 --> 00:11:49,440 Speaker 4: stay permanent, and it wasn't going to stay consistent, my 229 00:11:49,480 --> 00:11:51,520 Speaker 4: shifts weren't going to be consistent. 230 00:11:52,880 --> 00:11:55,640 Speaker 3: And that we had that battle for ages. 231 00:11:55,720 --> 00:11:59,480 Speaker 4: So I ended up applying for a different job, got 232 00:11:59,520 --> 00:12:04,200 Speaker 4: the job, ended up quitting my other job, and then 233 00:12:04,440 --> 00:12:07,280 Speaker 4: trying to go full time with that job, had the 234 00:12:07,320 --> 00:12:10,440 Speaker 4: hurdle again and had to do it all again. And 235 00:12:10,480 --> 00:12:13,840 Speaker 4: then I found a job. At the end of last year. 236 00:12:14,040 --> 00:12:15,960 Speaker 4: I got a call back and said, look, we can 237 00:12:16,280 --> 00:12:19,160 Speaker 4: see you in January of this year for an interview, 238 00:12:19,200 --> 00:12:23,439 Speaker 4: and after a month and a half of being casual, 239 00:12:23,440 --> 00:12:24,520 Speaker 4: they put me on full time. 240 00:12:25,360 --> 00:12:28,360 Speaker 1: That must have been such an amazing sense of relief, 241 00:12:28,440 --> 00:12:31,360 Speaker 1: thinking Finn finally like I can you know I have. 242 00:12:31,360 --> 00:12:33,400 Speaker 2: The stability of a full time job. 243 00:12:33,480 --> 00:12:35,680 Speaker 1: But also I can go back to the bank and go, yeah, 244 00:12:35,760 --> 00:12:39,000 Speaker 1: you know what, I've got this cash flow. It's coming 245 00:12:39,040 --> 00:12:41,520 Speaker 1: in every fortnight or month. Whatever you've been paid. It 246 00:12:41,559 --> 00:12:44,240 Speaker 1: must have been your partner must have been so relieved 247 00:12:44,240 --> 00:12:44,560 Speaker 1: as well. 248 00:12:44,600 --> 00:12:48,400 Speaker 3: He was very relieved. Although we had one other setback. 249 00:12:48,520 --> 00:12:52,320 Speaker 4: After I finally got my full time position, he went 250 00:12:52,400 --> 00:12:58,080 Speaker 4: and quit his job of four years. He did have 251 00:12:58,120 --> 00:13:01,720 Speaker 4: a job lined up and that job stuffed him around 252 00:13:01,760 --> 00:13:04,000 Speaker 4: for a week or two and he finally went full 253 00:13:04,040 --> 00:13:06,800 Speaker 4: time there. So I think once he quit his job, 254 00:13:06,840 --> 00:13:09,240 Speaker 4: I was quite upset. That was like our biggest setback 255 00:13:09,280 --> 00:13:11,559 Speaker 4: because I had I had been the one that was 256 00:13:11,600 --> 00:13:14,600 Speaker 4: setting us back this whole time, and for him to 257 00:13:15,000 --> 00:13:17,720 Speaker 4: turn around and quit his job, it wasn't wasn't what 258 00:13:17,800 --> 00:13:21,040 Speaker 4: I was expecting, but he needed a new change of pace. 259 00:13:22,200 --> 00:13:25,080 Speaker 1: But I have to commend you for seeing a mortgage broker, 260 00:13:25,160 --> 00:13:29,040 Speaker 1: because you were then so well informed by the mortgage 261 00:13:29,040 --> 00:13:33,280 Speaker 1: broker about the impact of you know, changing jobs, having 262 00:13:33,520 --> 00:13:38,160 Speaker 1: probation periods, you know, being a casual employee on a 263 00:13:38,240 --> 00:13:42,560 Speaker 1: loan application. You know, it's so great that they kept 264 00:13:42,600 --> 00:13:45,559 Speaker 1: you informed and in the loop of you know, changes 265 00:13:45,600 --> 00:13:50,280 Speaker 1: and requirements, legislation, you know the likelihood of your application, 266 00:13:51,120 --> 00:13:52,760 Speaker 1: you know the interest rate that you're potentially going to 267 00:13:52,920 --> 00:13:55,839 Speaker 1: go into pay like, it's so good that you had 268 00:13:55,920 --> 00:13:58,120 Speaker 1: that foresight to go right, We're going to get advice 269 00:13:58,480 --> 00:14:00,120 Speaker 1: so that when we were ready to buy, you know, 270 00:14:00,120 --> 00:14:01,520 Speaker 1: we've got all our ducks lined up. 271 00:14:02,160 --> 00:14:03,320 Speaker 2: So I think that's amazing. 272 00:14:04,160 --> 00:14:07,000 Speaker 1: Now you purchase your first home in Bathurst, and I'm 273 00:14:07,240 --> 00:14:10,920 Speaker 1: very familiar with Bathist What made you choose a regional 274 00:14:11,000 --> 00:14:14,440 Speaker 1: area and what would you tips would you give someone 275 00:14:14,800 --> 00:14:17,280 Speaker 1: who's thinking of buying in a regional area. 276 00:14:18,240 --> 00:14:21,320 Speaker 4: I think the reason I bought out there is because 277 00:14:21,320 --> 00:14:24,320 Speaker 4: I've lived there my whole life. I plan to stay there, 278 00:14:24,920 --> 00:14:26,760 Speaker 4: probably for the rest of my life, as much as 279 00:14:26,800 --> 00:14:27,400 Speaker 4: I would. 280 00:14:27,160 --> 00:14:28,720 Speaker 3: Love to move somewhere near the beach. 281 00:14:29,280 --> 00:14:32,160 Speaker 4: My partner is very family orientated and his family is 282 00:14:32,160 --> 00:14:34,720 Speaker 4: there and he's lived there his whole life, so I 283 00:14:34,720 --> 00:14:37,680 Speaker 4: think we both have just agreed to stay there, but 284 00:14:38,280 --> 00:14:40,480 Speaker 4: we may be moving in the future. I have a 285 00:14:40,520 --> 00:14:43,320 Speaker 4: career that I want to try and work towards, so 286 00:14:43,360 --> 00:14:47,040 Speaker 4: I think that might take me elsewhere depending on what happens. 287 00:14:48,560 --> 00:14:51,640 Speaker 4: But I think for anyone trying to buy a home 288 00:14:51,680 --> 00:14:54,560 Speaker 4: in regional New South Wales. I think it's very It's 289 00:14:54,560 --> 00:14:57,160 Speaker 4: a lot easier to do than to buy over here. 290 00:14:58,000 --> 00:15:01,360 Speaker 4: The median house price is down in Bathurst, far less 291 00:15:01,360 --> 00:15:02,680 Speaker 4: expensive than up here. 292 00:15:03,400 --> 00:15:06,560 Speaker 1: It's a stepping stone for some and it is to 293 00:15:06,600 --> 00:15:09,720 Speaker 1: get your foot in the door and on the property ladder, 294 00:15:09,760 --> 00:15:12,880 Speaker 1: and you know that could also end up being potentially 295 00:15:12,880 --> 00:15:15,080 Speaker 1: an investment of property few further down the track if 296 00:15:15,120 --> 00:15:18,720 Speaker 1: you do decide to move to move elsewhere. Now, there 297 00:15:18,800 --> 00:15:23,960 Speaker 1: is a common myth that home ownership is only possible 298 00:15:24,040 --> 00:15:29,960 Speaker 1: through parents, you know, and inheritances and winning the lottery 299 00:15:31,040 --> 00:15:35,760 Speaker 1: you obviously completely prove will debunk that myth in its entirety. 300 00:15:36,280 --> 00:15:39,400 Speaker 1: So what would you say to other young people who 301 00:15:40,840 --> 00:15:43,080 Speaker 1: on that path. They're like, I'm never going to inherit money. 302 00:15:43,200 --> 00:15:44,920 Speaker 1: My parents on a position to help me and I 303 00:15:44,920 --> 00:15:48,200 Speaker 1: don't buy lottery tickets, Like, what would you say to 304 00:15:48,280 --> 00:15:50,640 Speaker 1: others about that that myth? 305 00:15:51,240 --> 00:15:56,200 Speaker 4: I think that the myth isn't it's not true. So 306 00:15:56,520 --> 00:16:00,400 Speaker 4: you can definitely buy your first house. You can definitely 307 00:16:00,440 --> 00:16:04,000 Speaker 4: save enough money without being that have that gift of 308 00:16:04,520 --> 00:16:08,120 Speaker 4: money from your parents. And I definitely think having a 309 00:16:08,160 --> 00:16:13,240 Speaker 4: strong mindset and disciplinary around saving is your key to 310 00:16:13,360 --> 00:16:16,760 Speaker 4: doing it, and like you can put anything, you can 311 00:16:16,800 --> 00:16:19,560 Speaker 4: do anything you put your mind to. And I think 312 00:16:19,560 --> 00:16:22,360 Speaker 4: that's really the main thing, is like having such a 313 00:16:22,360 --> 00:16:27,120 Speaker 4: strong mindset and continually saving, working towards those goals, and 314 00:16:27,640 --> 00:16:30,560 Speaker 4: going and seeking help from someone. Like as much as 315 00:16:30,960 --> 00:16:34,480 Speaker 4: we didn't really use any help, we did have our 316 00:16:34,520 --> 00:16:36,880 Speaker 4: parents there on both sides to sit there and say 317 00:16:36,920 --> 00:16:40,520 Speaker 4: to us, look, you need to start doing it, like 318 00:16:40,560 --> 00:16:44,680 Speaker 4: you need to keep going, And even when the times 319 00:16:44,720 --> 00:16:47,080 Speaker 4: got tough, they were always there to tell us you 320 00:16:47,120 --> 00:16:49,800 Speaker 4: need to keep going, like talk to a friend, talk 321 00:16:49,840 --> 00:16:51,040 Speaker 4: to anyone. 322 00:16:50,800 --> 00:16:52,440 Speaker 2: Don't give up, keep your eye enterprise. 323 00:16:52,640 --> 00:16:56,800 Speaker 1: Yes, yeah, Now we move on to the practical side 324 00:16:57,080 --> 00:16:59,920 Speaker 1: of actually how you save money? Were there any tools? 325 00:17:00,040 --> 00:17:02,680 Speaker 1: Were there any resources? Did you read any books, listen 326 00:17:02,720 --> 00:17:08,040 Speaker 1: to particular podcasts, use like budgeting apps like how did 327 00:17:08,080 --> 00:17:11,359 Speaker 1: you know or figure out or find your way to 328 00:17:11,520 --> 00:17:12,720 Speaker 1: save up all this money? 329 00:17:13,560 --> 00:17:15,879 Speaker 4: So I think the main way I learned how to 330 00:17:15,920 --> 00:17:19,200 Speaker 4: save was through my partner. He was a great saver. 331 00:17:19,359 --> 00:17:22,040 Speaker 4: He never touched his bank account. If he did, he 332 00:17:22,080 --> 00:17:26,080 Speaker 4: would put it back in. Very responsible and self controlled, yes, 333 00:17:26,280 --> 00:17:30,960 Speaker 4: very much self controlled. And I think I learned most 334 00:17:31,000 --> 00:17:33,959 Speaker 4: of my strategies from him. And then when we were 335 00:17:33,960 --> 00:17:36,480 Speaker 4: getting to the point where we were like saving up 336 00:17:36,560 --> 00:17:39,600 Speaker 4: that bit further, I started to try and budget. So 337 00:17:39,720 --> 00:17:43,280 Speaker 4: I would write down everything that I needed for that 338 00:17:43,359 --> 00:17:46,359 Speaker 4: week or fortnite. I was getting paid fortnightly at the time. 339 00:17:47,080 --> 00:17:49,639 Speaker 4: I would write down everything that I needed, what budget 340 00:17:49,640 --> 00:17:51,879 Speaker 4: I was going to send for myself. And I stuck 341 00:17:51,920 --> 00:17:54,040 Speaker 4: to that for a little while, but I tend to 342 00:17:54,440 --> 00:17:57,919 Speaker 4: hop ship and go and do something different. So I 343 00:17:57,960 --> 00:18:00,920 Speaker 4: did download like one of these budget apps on my phone. 344 00:18:00,920 --> 00:18:03,960 Speaker 4: I think I downloaded like two or three, and I 345 00:18:04,000 --> 00:18:06,200 Speaker 4: was using one from time to time, and then I'd 346 00:18:06,200 --> 00:18:08,920 Speaker 4: forget about it when I got paid, and there was. 347 00:18:08,880 --> 00:18:11,200 Speaker 3: Just no consistency with anything. 348 00:18:11,320 --> 00:18:13,920 Speaker 4: And then when we finally went and saw that broker, 349 00:18:14,920 --> 00:18:17,760 Speaker 4: he really put it in my head that you need 350 00:18:17,800 --> 00:18:21,080 Speaker 4: to do this, and he gave us those steps that 351 00:18:21,119 --> 00:18:23,399 Speaker 4: we needed to take, like get a full time job. 352 00:18:23,960 --> 00:18:26,280 Speaker 4: When you're getting that full time job, save a consistent 353 00:18:26,320 --> 00:18:29,439 Speaker 4: amount each week. Tell yourself even if you like because 354 00:18:30,880 --> 00:18:33,040 Speaker 4: I was saving about a grand. 355 00:18:32,720 --> 00:18:34,720 Speaker 2: A fortnight, that's incredible. 356 00:18:35,040 --> 00:18:39,600 Speaker 4: Yes, it was very crazy, and it's kind of unrealistic 357 00:18:39,640 --> 00:18:41,639 Speaker 4: for a lot of people. Because a lot of people 358 00:18:41,640 --> 00:18:43,080 Speaker 4: aren't in the position that I'm in. 359 00:18:43,800 --> 00:18:48,280 Speaker 1: But that's true then, and you shouldn't like downplay what 360 00:18:48,280 --> 00:18:51,240 Speaker 1: you've achieved because you were able to live with parents, 361 00:18:51,280 --> 00:18:53,400 Speaker 1: But there are a lot of people out there who 362 00:18:53,400 --> 00:18:54,400 Speaker 1: are living with parents and. 363 00:18:54,400 --> 00:18:55,640 Speaker 2: Just spending every single cent. 364 00:18:55,720 --> 00:18:58,400 Speaker 1: And yeah, it's not so much the amount is also 365 00:18:58,440 --> 00:19:01,720 Speaker 1: the consistency and the hour of that consistency over the 366 00:19:01,760 --> 00:19:04,960 Speaker 1: long run, how quickly that can build up and creating 367 00:19:05,000 --> 00:19:08,560 Speaker 1: those financial habits of you know, one hundred dollars a 368 00:19:08,560 --> 00:19:10,439 Speaker 1: week or one hundred dollars a month, whatever it may be. 369 00:19:10,680 --> 00:19:13,360 Speaker 1: Just getting started and sticking to it is the most 370 00:19:13,400 --> 00:19:17,960 Speaker 1: important part of all. So you know, it's quite amazing 371 00:19:18,000 --> 00:19:19,920 Speaker 1: what you've done. And you've done this at a very young, 372 00:19:19,960 --> 00:19:22,359 Speaker 1: precious age, like you're twenty. 373 00:19:22,119 --> 00:19:24,080 Speaker 3: Three, twenty one, twenty one, Oh. 374 00:19:23,920 --> 00:19:28,880 Speaker 1: My god, you're a twenty one year old, and like, yeah, 375 00:19:28,880 --> 00:19:30,880 Speaker 1: I think about myself as a twenty one year old. 376 00:19:31,400 --> 00:19:33,680 Speaker 1: You know, I was like you, I was saving really, 377 00:19:33,720 --> 00:19:36,280 Speaker 1: really hard, and I swear I had my tooth fairy 378 00:19:36,320 --> 00:19:40,040 Speaker 1: money in my deposit when I finally purchased something, and 379 00:19:40,119 --> 00:19:43,040 Speaker 1: I think, I say, for six years, but that was 380 00:19:43,080 --> 00:19:46,240 Speaker 1: how dedicated I was you know, I was so inspired, 381 00:19:46,280 --> 00:19:50,320 Speaker 1: I was so motivated. Yes, I had setbacks, Yes, you 382 00:19:50,359 --> 00:19:54,560 Speaker 1: know I have times where I'd lose motivation and get distracted, 383 00:19:54,640 --> 00:19:57,439 Speaker 1: but I'd always come back to it and go, no, actually, 384 00:19:57,480 --> 00:19:59,399 Speaker 1: I really do want this and this is important for 385 00:19:59,400 --> 00:20:02,000 Speaker 1: me to be able to be independent and have something 386 00:20:02,040 --> 00:20:05,840 Speaker 1: on my own and feel proud and yeah. So all right, 387 00:20:05,920 --> 00:20:09,280 Speaker 1: Oh so going after you with this savings any budgeting, 388 00:20:09,280 --> 00:20:11,840 Speaker 1: You've said obviously that was your and I don't want 389 00:20:11,840 --> 00:20:13,119 Speaker 1: to put bods in your mouth, but it sounds like 390 00:20:13,119 --> 00:20:14,760 Speaker 1: it was a bit of a weakness when it came 391 00:20:14,800 --> 00:20:17,000 Speaker 1: to this journey. It was something you had to build 392 00:20:17,080 --> 00:20:20,720 Speaker 1: upon and strengthen. Do you things like automating your savings 393 00:20:20,800 --> 00:20:21,720 Speaker 1: Did that really help? 394 00:20:22,480 --> 00:20:24,040 Speaker 3: Yeah, it definitely did. 395 00:20:24,160 --> 00:20:26,280 Speaker 1: So you'd have like that five hundred dollars a week 396 00:20:26,359 --> 00:20:27,879 Speaker 1: or one thousand dollars four night come out as an 397 00:20:27,920 --> 00:20:30,879 Speaker 1: automatic savings plan, or you manually transfer money across. 398 00:20:31,200 --> 00:20:33,520 Speaker 3: So I would manually transfer money across. 399 00:20:33,600 --> 00:20:35,320 Speaker 1: Did you find that easy because you could made you 400 00:20:35,400 --> 00:20:37,119 Speaker 1: check your account and see it grow and it was 401 00:20:37,119 --> 00:20:38,920 Speaker 1: that dopamin hit of Yeah. 402 00:20:39,160 --> 00:20:40,879 Speaker 2: I think there's a lot to be said to that 403 00:20:40,920 --> 00:20:43,040 Speaker 2: as well, because it also just forces. 404 00:20:42,720 --> 00:20:45,040 Speaker 1: You to really look at your bank account and stop 405 00:20:45,640 --> 00:20:48,120 Speaker 1: catch any wastage or any sort of naughty habits there 406 00:20:48,200 --> 00:20:52,439 Speaker 1: creeping back in. Yeah, and what about paying for things? 407 00:20:52,480 --> 00:20:54,520 Speaker 1: Like did you do things like pay for things in 408 00:20:54,560 --> 00:20:57,400 Speaker 1: cash or did you do any sort of special little 409 00:20:57,480 --> 00:20:59,720 Speaker 1: challenges for yourself like where you wouldn't try and spend 410 00:20:59,760 --> 00:21:02,000 Speaker 1: money for a weekend, Like you know, how did you 411 00:21:02,080 --> 00:21:05,240 Speaker 1: learn to say no and be okay with that? Because 412 00:21:06,160 --> 00:21:08,200 Speaker 1: I remember watching all my friends go to Europe when 413 00:21:08,240 --> 00:21:09,600 Speaker 1: I was saving up for my deposit and it was 414 00:21:09,680 --> 00:21:13,360 Speaker 1: so depressing. But like it was like, so, how did 415 00:21:13,359 --> 00:21:15,480 Speaker 1: you feel comfortable with saying no and going without? 416 00:21:16,000 --> 00:21:19,679 Speaker 4: I think really having that mindset like you just need 417 00:21:19,720 --> 00:21:22,680 Speaker 4: to push yourself to those limits. Like I was never 418 00:21:23,600 --> 00:21:25,600 Speaker 4: really told no. 419 00:21:25,800 --> 00:21:28,359 Speaker 3: It was kind of a little bit on the spoiler side. 420 00:21:28,400 --> 00:21:30,760 Speaker 4: I'm an only daughter to my mum, so I was 421 00:21:31,240 --> 00:21:34,560 Speaker 4: definitely had that little bit of an upper hand with 422 00:21:34,600 --> 00:21:35,160 Speaker 4: my brothers. 423 00:21:38,040 --> 00:21:41,680 Speaker 3: But yeah, no, sorry, can you say the questioning. 424 00:21:41,280 --> 00:21:43,280 Speaker 2: Of course, how did you deal with. 425 00:21:45,040 --> 00:21:47,320 Speaker 1: Having well, how did you deal with your sacrifices and 426 00:21:47,359 --> 00:21:50,240 Speaker 1: having to say no and going without? 427 00:21:51,880 --> 00:21:55,520 Speaker 4: So definitely seeing all of my friends go out and 428 00:21:55,680 --> 00:21:58,879 Speaker 4: go drinking every weekend, or go out to birthday parties 429 00:21:58,920 --> 00:21:59,600 Speaker 4: and stuff like that. 430 00:21:59,680 --> 00:22:03,760 Speaker 3: It was it was hard to see, and it was 431 00:22:04,359 --> 00:22:06,440 Speaker 3: the fear of missing out really really did suck. 432 00:22:07,600 --> 00:22:11,879 Speaker 4: Yeah, but I think the more I said no, the 433 00:22:11,880 --> 00:22:13,360 Speaker 4: more I realized how much of a. 434 00:22:13,320 --> 00:22:16,439 Speaker 3: Homebody I was. I really like being at home. 435 00:22:16,840 --> 00:22:20,600 Speaker 2: Yeah, that's so interesting. I'm very much a homebody as well. 436 00:22:21,200 --> 00:22:23,240 Speaker 2: I can really relate to that. All Right. 437 00:22:23,600 --> 00:22:26,960 Speaker 1: You grew up in housing commission, so you know your 438 00:22:27,040 --> 00:22:33,399 Speaker 1: parents never owned the home. How has becoming a proud 439 00:22:33,480 --> 00:22:38,959 Speaker 1: homeowner change the way you reflect upon your situation and 440 00:22:39,200 --> 00:22:43,120 Speaker 1: see what you are capable of for your financial future. 441 00:22:44,720 --> 00:22:50,199 Speaker 4: I think seeing myself change so drastically since finishing high school. 442 00:22:50,320 --> 00:22:54,240 Speaker 4: I finished high school three years ago, and since then, 443 00:22:54,600 --> 00:22:58,359 Speaker 4: the feeling of buying a house was amazing. It was 444 00:22:58,400 --> 00:23:03,080 Speaker 4: something that I would highly want everyone to experience in 445 00:23:03,119 --> 00:23:07,440 Speaker 4: their life. And looking back at what I went through 446 00:23:07,480 --> 00:23:10,800 Speaker 4: as a child to now is absolutely incredible that little 447 00:23:10,800 --> 00:23:13,399 Speaker 4: girl would be so extremely proud of me. It wouldn't 448 00:23:13,400 --> 00:23:22,360 Speaker 4: be funny. Yeah, having those difficulties definitely helped shape who 449 00:23:22,400 --> 00:23:26,600 Speaker 4: I am. Like, I am a very empathetic person. I 450 00:23:26,640 --> 00:23:30,040 Speaker 4: would like to think I'm a very empathetic person. I'm 451 00:23:30,119 --> 00:23:33,879 Speaker 4: very caring, so looking at other people in that situation 452 00:23:33,960 --> 00:23:38,720 Speaker 4: now compared to where I am, I try my best 453 00:23:38,800 --> 00:23:40,879 Speaker 4: to help them in any way that I can, even 454 00:23:40,880 --> 00:23:43,720 Speaker 4: if that is literally just telling them to not buy 455 00:23:43,760 --> 00:23:46,440 Speaker 4: that piece of like don't buy that piece of chocolate, 456 00:23:46,640 --> 00:23:49,679 Speaker 4: like you don't need that piece of chocolate. If I 457 00:23:49,720 --> 00:23:53,639 Speaker 4: can help my friends like do the best that they can, 458 00:23:53,720 --> 00:23:57,600 Speaker 4: because I know, I have two friends currently that are 459 00:23:57,720 --> 00:24:01,840 Speaker 4: trying to buy their first home and they're constantly coming 460 00:24:01,840 --> 00:24:03,360 Speaker 4: to me going how did you deal with this? 461 00:24:03,359 --> 00:24:06,959 Speaker 3: This and this? And I'm going on a tangent no, no, 462 00:24:07,000 --> 00:24:07,520 Speaker 3: you're not at all. 463 00:24:09,640 --> 00:24:12,680 Speaker 4: And yeah, them coming to me and saying like, how 464 00:24:12,880 --> 00:24:16,000 Speaker 4: how did you do this? And most of my answer 465 00:24:16,040 --> 00:24:19,320 Speaker 4: was go and see a broker. Yeah they are the 466 00:24:19,359 --> 00:24:22,480 Speaker 4: most like Amazinger, Yeah, a. 467 00:24:22,440 --> 00:24:25,400 Speaker 2: Good braining experience broker as well. Yes, so important. 468 00:24:25,960 --> 00:24:29,440 Speaker 1: All right, now that you're a homeowner, like what's next 469 00:24:29,440 --> 00:24:32,399 Speaker 1: for you and your partner? Like are you going to 470 00:24:32,440 --> 00:24:35,240 Speaker 1: just pay this off and you know, live a mortgage 471 00:24:35,280 --> 00:24:37,760 Speaker 1: free life or are you going to you know, look 472 00:24:37,760 --> 00:24:39,920 Speaker 1: at maybe investing or are you going to look at 473 00:24:41,000 --> 00:24:43,000 Speaker 1: you know, like what. 474 00:24:43,000 --> 00:24:44,040 Speaker 2: Does the future hole for you? 475 00:24:44,119 --> 00:24:49,119 Speaker 1: Because you've you've ticked this incredible box, very very early 476 00:24:49,160 --> 00:24:52,000 Speaker 1: in life, like most days, most people these days, but 477 00:24:52,119 --> 00:24:54,520 Speaker 1: by property in their like mid thirties, if they're lucky, 478 00:24:54,640 --> 00:24:57,240 Speaker 1: like you're like fifteen years ahead of everyone else. 479 00:24:58,200 --> 00:24:59,439 Speaker 3: It's crazy to think about. 480 00:25:01,960 --> 00:25:05,120 Speaker 4: I think what's really next is just knuckling down over 481 00:25:05,160 --> 00:25:07,480 Speaker 4: the next couple of years and trying to knock some 482 00:25:07,640 --> 00:25:14,240 Speaker 4: of that mortgage down. And I think, depending on where 483 00:25:14,280 --> 00:25:17,280 Speaker 4: my career takes me, if for whatever reason, I have 484 00:25:17,359 --> 00:25:20,480 Speaker 4: to move out of town and we have enough equity 485 00:25:20,520 --> 00:25:22,880 Speaker 4: in that house, I'm not sure if we would sell 486 00:25:22,920 --> 00:25:24,879 Speaker 4: it and try and buy a new house where we 487 00:25:24,880 --> 00:25:27,320 Speaker 4: were moving to, or if we would keep it and 488 00:25:27,400 --> 00:25:30,200 Speaker 4: run it out and then it become an investment property. 489 00:25:30,840 --> 00:25:33,639 Speaker 4: So my partner's very into stocks and stuff like that, 490 00:25:33,800 --> 00:25:38,280 Speaker 4: or not very into, but into stocks, and I would 491 00:25:38,280 --> 00:25:42,040 Speaker 4: say that he would be more of the financial person. 492 00:25:41,760 --> 00:25:44,440 Speaker 3: In this situation. He would have probably been the better 493 00:25:44,480 --> 00:25:45,480 Speaker 3: person to get on here. 494 00:25:47,000 --> 00:25:50,560 Speaker 4: He's very good with his words, and he very much 495 00:25:50,600 --> 00:25:58,040 Speaker 4: knows what he's doing, and I think financially he definitely 496 00:25:58,320 --> 00:26:01,679 Speaker 4: will be my role model. Like whatever he chooses to do, 497 00:26:01,720 --> 00:26:03,920 Speaker 4: I will probably follow in his footsteps. If he wants 498 00:26:03,960 --> 00:26:07,359 Speaker 4: to put five hundred bucks in a stock go for it, like, 499 00:26:07,440 --> 00:26:10,119 Speaker 4: if that's what you want to do, but yeah, but 500 00:26:10,240 --> 00:26:11,399 Speaker 4: right now just saving. 501 00:26:12,720 --> 00:26:16,200 Speaker 1: It's really quite amazing, like what you've done and how 502 00:26:16,240 --> 00:26:18,640 Speaker 1: strong you've been. And you know, a lot of people 503 00:26:18,760 --> 00:26:21,080 Speaker 1: fall into the trap thinking, well, I grew up in poverty, 504 00:26:21,280 --> 00:26:26,159 Speaker 1: that's my destiny, I'll be the same. But you've intentionally 505 00:26:26,400 --> 00:26:30,760 Speaker 1: gone out and done something very different, and like, can you, 506 00:26:31,080 --> 00:26:32,560 Speaker 1: as we get towards the end of this episode, can 507 00:26:32,560 --> 00:26:34,359 Speaker 1: you just share with me what that moment felt like 508 00:26:34,400 --> 00:26:38,400 Speaker 1: when you signed the papers for your own home. 509 00:26:39,480 --> 00:26:44,720 Speaker 4: I think it was very life changing to see how much. 510 00:26:46,160 --> 00:26:50,200 Speaker 3: Of an effort it all took. It took so much for. 511 00:26:50,200 --> 00:26:55,520 Speaker 4: Me to fully come out of where I was coming 512 00:26:55,560 --> 00:26:58,840 Speaker 4: out of school. I was very nervous. I didn't really. 513 00:26:58,520 --> 00:27:00,760 Speaker 3: Know what I wanted to do. I knew I had my. 514 00:27:00,760 --> 00:27:03,800 Speaker 4: Heart set on going to UNI and working, and that's 515 00:27:03,800 --> 00:27:06,240 Speaker 4: what I did for ages, and I was set on saving. 516 00:27:07,359 --> 00:27:10,399 Speaker 4: And when I finally signed the papers for the house, 517 00:27:11,320 --> 00:27:14,119 Speaker 4: I think it was just such an overwhelming feeling of 518 00:27:14,200 --> 00:27:17,439 Speaker 4: joy knowing that we had finally bought something that we 519 00:27:17,480 --> 00:27:18,480 Speaker 4: worked so hard for. 520 00:27:19,200 --> 00:27:23,880 Speaker 1: Well, you deserve all of that success and everything else. 521 00:27:23,920 --> 00:27:26,199 Speaker 1: That's coming to you in your future. And you know, 522 00:27:26,480 --> 00:27:28,840 Speaker 1: as I listen to what you say and your mindset 523 00:27:29,040 --> 00:27:33,360 Speaker 1: and you know, you know, even just your own personal 524 00:27:33,720 --> 00:27:36,879 Speaker 1: like growth, and I not to undermine or patternize, but 525 00:27:36,920 --> 00:27:39,200 Speaker 1: like you can see that you're on this incredible path 526 00:27:39,240 --> 00:27:42,919 Speaker 1: where there's because you're so open and you're so curious 527 00:27:43,440 --> 00:27:46,640 Speaker 1: and you're obviously so inspired, like you have an amazing 528 00:27:46,640 --> 00:27:52,240 Speaker 1: future ahead of you with even more greater financial success 529 00:27:52,400 --> 00:27:55,560 Speaker 1: and independence to both you and your partner. And you know, 530 00:27:56,200 --> 00:28:00,520 Speaker 1: it's so great that you've got his level of financial cureosity, 531 00:28:00,840 --> 00:28:04,760 Speaker 1: but also he's growing financial knowledge and education to be 532 00:28:04,800 --> 00:28:06,840 Speaker 1: able to lean on and work together as a team 533 00:28:06,880 --> 00:28:10,120 Speaker 1: where you both inspire and support each other. 534 00:28:09,960 --> 00:28:11,440 Speaker 2: And go from strength to strength. 535 00:28:11,520 --> 00:28:15,320 Speaker 1: So you know, I just think it's so beautiful your story, 536 00:28:15,359 --> 00:28:17,400 Speaker 1: and I think it's so important for people to hear 537 00:28:17,480 --> 00:28:20,359 Speaker 1: this and to think, well, you know, the average person 538 00:28:20,359 --> 00:28:22,800 Speaker 1: buys property this age. You know, therefore I won't be 539 00:28:22,800 --> 00:28:24,560 Speaker 1: able to do that until I reach that age. Like 540 00:28:25,160 --> 00:28:27,359 Speaker 1: stuff that like, no, you've gone out and done it. 541 00:28:27,400 --> 00:28:28,919 Speaker 1: You've done it now, and you've done it in a 542 00:28:28,960 --> 00:28:31,000 Speaker 1: way that works for you and works for your partner. 543 00:28:31,000 --> 00:28:33,640 Speaker 1: And I mean, I just think you're amazing. Thank you 544 00:28:33,920 --> 00:28:37,880 Speaker 1: for anyone that's listening to this episode. And they are 545 00:28:37,920 --> 00:28:40,760 Speaker 1: starting from scratch, and you know, we're in their twenties, 546 00:28:40,800 --> 00:28:44,840 Speaker 1: for example, and they've grown up with say financial trauma 547 00:28:45,600 --> 00:28:49,400 Speaker 1: or financial hardship. What would you say to that person 548 00:28:49,520 --> 00:28:54,320 Speaker 1: listening to this episode right now to inspire them to 549 00:28:54,520 --> 00:28:57,560 Speaker 1: go after their goals and dreams and to create a 550 00:28:57,600 --> 00:29:03,360 Speaker 1: different life that has actually got financial stability and harmony 551 00:29:03,400 --> 00:29:03,760 Speaker 1: there for. 552 00:29:03,800 --> 00:29:08,920 Speaker 4: Them, that they can break the cycle. It's not something 553 00:29:09,040 --> 00:29:14,080 Speaker 4: that is not going to happen. You can do it. 554 00:29:14,680 --> 00:29:21,280 Speaker 4: And your mindset is everything. As much as people like 555 00:29:21,480 --> 00:29:24,160 Speaker 4: you look at people who are years older than you 556 00:29:24,280 --> 00:29:26,120 Speaker 4: or years younger than you, and they're moving at a 557 00:29:26,160 --> 00:29:29,440 Speaker 4: different pace at life, and you kind of just need 558 00:29:29,480 --> 00:29:29,880 Speaker 4: to take. 559 00:29:29,760 --> 00:29:33,080 Speaker 3: A step back and tell yourself that it's not going 560 00:29:33,160 --> 00:29:34,080 Speaker 3: to be like that forever. 561 00:29:34,920 --> 00:29:40,360 Speaker 4: You're going to move forward and like just try it, 562 00:29:40,880 --> 00:29:49,440 Speaker 4: try your best, hurt like safe yea, and yeah. 563 00:29:47,240 --> 00:29:50,960 Speaker 1: And move with intention, but pay attention, you know, don't 564 00:29:51,040 --> 00:29:54,880 Speaker 1: don't get discraped, distracted. Daydreaming is okay, but come back 565 00:29:54,880 --> 00:29:57,400 Speaker 1: to reality and obviously put the physical work. And you 566 00:29:57,400 --> 00:30:00,600 Speaker 1: said work on that mindset. All the har hard work 567 00:30:01,000 --> 00:30:02,760 Speaker 1: is so worth it, isn't it? 568 00:30:02,880 --> 00:30:04,240 Speaker 3: Yeah, it definitely is. 569 00:30:04,280 --> 00:30:07,280 Speaker 4: It all pays off, especially if you're one of the 570 00:30:07,320 --> 00:30:11,680 Speaker 4: first people in your family to break that cycle. Breaking 571 00:30:11,680 --> 00:30:14,680 Speaker 4: that cycle is someone who was kind of the first 572 00:30:14,760 --> 00:30:18,680 Speaker 4: person in the family to break that cycle is such 573 00:30:18,880 --> 00:30:22,760 Speaker 4: a great feeling. And yeah, once you've accomplished it that 574 00:30:22,960 --> 00:30:23,720 Speaker 4: nothing can. 575 00:30:23,600 --> 00:30:24,440 Speaker 3: Hold you back from there. 576 00:30:25,000 --> 00:30:26,160 Speaker 2: Your mum must be so proud. 577 00:30:26,840 --> 00:30:29,960 Speaker 4: Yeah, she was crying when I told her about this. No, 578 00:30:30,080 --> 00:30:32,560 Speaker 4: she was very very happy. 579 00:30:32,560 --> 00:30:36,160 Speaker 1: Well, look at Jesse's story is an incredible reminder that 580 00:30:36,200 --> 00:30:39,080 Speaker 1: we don't have to repeat the past, and we can 581 00:30:39,200 --> 00:30:41,560 Speaker 1: learn from it, we can grow beyond it, and we 582 00:30:41,560 --> 00:30:45,520 Speaker 1: can actually build something that is very new, much healthier, 583 00:30:45,760 --> 00:30:49,760 Speaker 1: and far more harmonious. Now, if this episode inspired you, 584 00:30:49,760 --> 00:30:52,360 Speaker 1: can you please go and share it with someone who 585 00:30:52,400 --> 00:30:57,520 Speaker 1: needs to hear Jesse's story, Jesse's words, Jesse's incredible victory. 586 00:30:58,080 --> 00:31:02,600 Speaker 1: And in the meantime, as always, please keep that financial 587 00:31:02,680 --> 00:31:06,320 Speaker 1: fire burning bright, believe in yourself, keep putting one foot 588 00:31:06,360 --> 00:31:08,400 Speaker 1: in front of the other, and keep your head up 589 00:31:08,480 --> 00:31:11,320 Speaker 1: and chit up and shoulders back as you power on 590 00:31:11,520 --> 00:31:15,560 Speaker 1: through with your own financial journey. Thank you everyone for listening. 591 00:31:15,880 --> 00:31:17,600 Speaker 1: This is sugar Mama's firef