1
00:00:07,600 --> 00:00:10,520
Speaker 1: Hello, and welcome to separate bathrooms. We would like to

2
00:00:10,560 --> 00:00:14,760
Speaker 1: acknowledge the Gadigor people of the Eora Nation, the traditional

3
00:00:14,800 --> 00:00:18,280
Speaker 1: custodians of this land, and pay our respects to the elders,

4
00:00:18,320 --> 00:00:20,119
Speaker 1: both past and present.

5
00:00:21,040 --> 00:00:21,439
Speaker 2: Hello.

6
00:00:21,480 --> 00:00:24,520
Speaker 3: From wherever you're listening this from. I'm Ali Daddo.

7
00:00:25,960 --> 00:00:29,000
Speaker 4: I'm cam Dada. Wherever you're listening this from. There's a

8
00:00:29,080 --> 00:00:34,639
Speaker 4: two in there, isn't there? I know, not being picky,

9
00:00:34,840 --> 00:00:35,760
Speaker 4: I just say that again.

10
00:00:36,000 --> 00:00:38,120
Speaker 2: I know it's okay. I love that you said it,

11
00:00:38,159 --> 00:00:39,200
Speaker 2: and it's so good.

12
00:00:39,440 --> 00:00:41,440
Speaker 1: I just should be in radio. I mean, I just

13
00:00:41,479 --> 00:00:43,080
Speaker 1: think my language is amazing.

14
00:00:43,560 --> 00:00:46,840
Speaker 2: Yeah, you present ideas really well.

15
00:00:46,920 --> 00:00:53,159
Speaker 3: You're my grammar. I make up work now.

16
00:00:53,280 --> 00:00:54,200
Speaker 2: I mean that's the thing.

17
00:00:54,360 --> 00:00:57,640
Speaker 4: You listen to separate bathrooms, and you can learn more

18
00:00:58,240 --> 00:01:00,440
Speaker 4: about the English language.

19
00:01:00,080 --> 00:01:02,240
Speaker 3: Can learn more punctual, how to speak.

20
00:01:02,080 --> 00:01:06,960
Speaker 4: Learn learn to be more punctional. You get some electrocution

21
00:01:07,160 --> 00:01:09,080
Speaker 4: lessons to speak more punctional.

22
00:01:09,160 --> 00:01:09,640
Speaker 3: Exactly.

23
00:01:09,840 --> 00:01:12,760
Speaker 4: I love that today we're going to be learning to

24
00:01:12,800 --> 00:01:15,840
Speaker 4: speak more punctional about money?

25
00:01:16,040 --> 00:01:20,400
Speaker 2: Correct, money? Money? Why did I just suddenly lean into

26
00:01:20,400 --> 00:01:24,919
Speaker 2: a Donald Trump thing? It's weird because he's all.

27
00:01:24,760 --> 00:01:28,759
Speaker 4: About the money, isn't He's a transactional fellow. Anyway, enough

28
00:01:28,760 --> 00:01:32,319
Speaker 4: about that, we've certainly had our ups and downs with money.

29
00:01:32,480 --> 00:01:35,360
Speaker 4: Honey brings up some emotions for me.

30
00:01:35,800 --> 00:01:39,759
Speaker 1: I know, yeah, I know, you're still PTSD on money.

31
00:01:39,840 --> 00:01:43,200
Speaker 2: I am a bit, Yeah, I'm a bit, but that's okay.

32
00:01:43,600 --> 00:01:47,200
Speaker 4: Well, you know, I've had forty years in the entertainment business.

33
00:01:48,600 --> 00:01:51,680
Speaker 2: Contracts sometimes come and sometimes go. We've got to be

34
00:01:51,720 --> 00:01:52,360
Speaker 2: okay with it.

35
00:01:52,920 --> 00:01:55,280
Speaker 4: Look, it is a safe bet to say that most

36
00:01:55,320 --> 00:01:59,000
Speaker 4: of us want to not only have more money, but

37
00:01:59,040 --> 00:02:01,600
Speaker 4: we want to be better at using the money that

38
00:02:01,680 --> 00:02:02,840
Speaker 4: we are getting.

39
00:02:03,120 --> 00:02:03,600
Speaker 3: Correct.

40
00:02:04,000 --> 00:02:08,480
Speaker 1: Well, we have Tash and James Millard on the podcast

41
00:02:08,520 --> 00:02:11,080
Speaker 1: day and they've got a mission to help us and

42
00:02:11,120 --> 00:02:12,520
Speaker 1: to help you together.

43
00:02:12,639 --> 00:02:16,320
Speaker 4: They've created and operate a financial planning company. It's called

44
00:02:16,360 --> 00:02:17,880
Speaker 4: Sufficient Funds.

45
00:02:17,639 --> 00:02:20,080
Speaker 1: And James actually has a book out, but it's called

46
00:02:20,320 --> 00:02:24,919
Speaker 1: Insufficient Funds Making the right money Decisions to bring your

47
00:02:24,919 --> 00:02:26,120
Speaker 1: big plans to life.

48
00:02:26,200 --> 00:02:26,320
Speaker 4: Now.

49
00:02:26,360 --> 00:02:29,280
Speaker 1: The way they've written insufficient though, they've got like the

50
00:02:29,400 --> 00:02:32,840
Speaker 1: im sort of faded into the background, and then the

51
00:02:32,960 --> 00:02:36,240
Speaker 1: sufficient part of that word is in bold, so it's

52
00:02:36,240 --> 00:02:39,480
Speaker 1: sort of like you go from insufficient to sufficient funds.

53
00:02:39,639 --> 00:02:42,720
Speaker 2: That's why, that's why it's subliminal suggestion.

54
00:02:44,639 --> 00:02:48,960
Speaker 4: It's interesting because that word insufficient funds talk about PTSD

55
00:02:49,000 --> 00:02:51,600
Speaker 4: because how many times in the past have we stood

56
00:02:51,639 --> 00:02:53,720
Speaker 4: in the line at so many times as the market

57
00:02:53,800 --> 00:02:56,840
Speaker 4: and you pay for your food and your groceries and

58
00:02:56,880 --> 00:02:58,800
Speaker 4: then insufficient funds come down.

59
00:02:58,880 --> 00:03:01,360
Speaker 3: Only the groceries there and go come back.

60
00:03:02,000 --> 00:03:04,360
Speaker 2: Ye'd be right back to get this stuff. Yep.

61
00:03:05,080 --> 00:03:08,960
Speaker 1: So the book is it's about to plan your future

62
00:03:09,000 --> 00:03:13,799
Speaker 1: and find financial freedom and define what sufficient means to you.

63
00:03:13,919 --> 00:03:16,359
Speaker 3: And it's not just about settling for less.

64
00:03:17,160 --> 00:03:21,080
Speaker 4: I like that, it's get a definition. Yeah, So because

65
00:03:21,080 --> 00:03:26,040
Speaker 4: often we have these terms used. We use the terms

66
00:03:26,080 --> 00:03:30,280
Speaker 4: they're delivered on us, but people have different definitions for

67
00:03:30,360 --> 00:03:33,160
Speaker 4: what they are. So it's good to get clear on that.

68
00:03:33,560 --> 00:03:35,600
Speaker 4: All right, we're hoping to get the inside scoop and

69
00:03:35,640 --> 00:03:42,920
Speaker 4: maybe a little more. Welcome Tash and James Millard, you too,

70
00:03:43,080 --> 00:03:46,240
Speaker 4: Tash and James. Welcome to separate bathrooms.

71
00:03:47,040 --> 00:03:48,720
Speaker 5: Thank you, Thank you very much.

72
00:03:49,040 --> 00:03:52,000
Speaker 4: Before we get into the subject of money and how

73
00:03:52,040 --> 00:03:57,839
Speaker 4: it makes most of us cuckoo, this is a relationship podcast.

74
00:03:58,440 --> 00:04:01,240
Speaker 4: Now you guys work together, you're in money. We'll get

75
00:04:01,280 --> 00:04:05,560
Speaker 4: to that a bit later. As I said, how did

76
00:04:05,600 --> 00:04:09,640
Speaker 4: you two meet as he finally gets to it.

77
00:04:09,920 --> 00:04:12,480
Speaker 5: I love this one. What did you start with that?

78
00:04:12,640 --> 00:04:12,920
Speaker 2: Tash?

79
00:04:13,080 --> 00:04:13,360
Speaker 6: Sure?

80
00:04:13,440 --> 00:04:17,680
Speaker 7: So we actually met at UNI so interestingly enough, James

81
00:04:17,720 --> 00:04:19,799
Speaker 7: was studying the same thing as me, which was science,

82
00:04:19,800 --> 00:04:24,040
Speaker 7: so it wasn't finance back then. And we actually met

83
00:04:24,080 --> 00:04:24,960
Speaker 7: out at a nightclub.

84
00:04:25,880 --> 00:04:29,599
Speaker 5: We met at a nightclub called Surf City Old School,

85
00:04:29,720 --> 00:04:31,080
Speaker 5: unfortunately is no longer.

86
00:04:32,040 --> 00:04:33,040
Speaker 3: Where was that Newcastle?

87
00:04:33,080 --> 00:04:37,960
Speaker 5: Did you say castle?

88
00:04:38,320 --> 00:04:39,200
Speaker 3: Yeah?

89
00:04:39,880 --> 00:04:42,400
Speaker 2: Was that in the last millennium or this millennium?

90
00:04:42,880 --> 00:04:45,400
Speaker 5: It was right on the edge.

91
00:04:46,440 --> 00:04:49,680
Speaker 4: So you met at a nightclub, which is kind of great,

92
00:04:50,360 --> 00:04:52,160
Speaker 4: Allie and I met at a nightclub.

93
00:04:51,800 --> 00:04:54,640
Speaker 3: Too, we did. It was pre organized, but it wasn't

94
00:04:54,640 --> 00:04:55,159
Speaker 3: a nightclub.

95
00:04:55,240 --> 00:04:55,719
Speaker 2: That's where.

96
00:04:57,360 --> 00:05:01,479
Speaker 4: Correct and not about us?

97
00:05:03,080 --> 00:05:04,760
Speaker 2: Was it love at first sight? What happened?

98
00:05:05,160 --> 00:05:07,800
Speaker 7: Oh gosh, we were pretty young, so I'm not sure

99
00:05:07,800 --> 00:05:09,960
Speaker 7: if it I'm not sure.

100
00:05:10,040 --> 00:05:13,960
Speaker 5: Yeah.

101
00:05:14,000 --> 00:05:16,159
Speaker 3: And how long were you? Were you dating a while

102
00:05:16,240 --> 00:05:18,960
Speaker 3: before you pop the question? Did you?

103
00:05:19,279 --> 00:05:22,600
Speaker 6: Yeah? I think we were about eight years Yeah.

104
00:05:22,400 --> 00:05:24,479
Speaker 3: Oh, you gave it a good long shot, yeap. You

105
00:05:24,480 --> 00:05:26,359
Speaker 3: weren't quite sure for a bit or you just wanted

106
00:05:26,360 --> 00:05:27,280
Speaker 3: to stretch it out.

107
00:05:28,920 --> 00:05:32,440
Speaker 5: Probably more stretching we were. Yeah, we were early days

108
00:05:32,440 --> 00:05:36,240
Speaker 5: at UNI, so there was, Yeah, I don't know, it

109
00:05:36,279 --> 00:05:37,520
Speaker 5: was a it was a good time.

110
00:05:38,360 --> 00:05:41,160
Speaker 1: So by the time you guys married, were you then,

111
00:05:41,480 --> 00:05:44,720
Speaker 1: because you went into finance first, didn't you, James?

112
00:05:45,800 --> 00:05:49,520
Speaker 5: Yeah, so I I kind of I started at Union

113
00:05:49,680 --> 00:05:53,599
Speaker 5: Science and was then into commerce. I rolled into a

114
00:05:53,720 --> 00:05:57,240
Speaker 5: very boring corporate money job in Brisbane for a couple

115
00:05:57,279 --> 00:05:59,479
Speaker 5: of years and went from there. So yeah, I was

116
00:05:59,560 --> 00:06:02,599
Speaker 5: kind of right into the money world. Yeah, Tasha's story

117
00:06:02,640 --> 00:06:03,680
Speaker 5: is probably a little bit different.

118
00:06:04,400 --> 00:06:06,640
Speaker 7: Yeah, So we even though we started the business together

119
00:06:06,680 --> 00:06:09,160
Speaker 7: six years ago, I was still I was actually on

120
00:06:09,200 --> 00:06:11,160
Speaker 7: maternity leave at the time when we started, and then

121
00:06:11,200 --> 00:06:13,400
Speaker 7: I went back into my corporate role, which was in

122
00:06:13,480 --> 00:06:15,640
Speaker 7: medical research, so I was doing that for a while

123
00:06:15,720 --> 00:06:18,279
Speaker 7: still until two years ago I jumped into the business.

124
00:06:18,640 --> 00:06:22,960
Speaker 1: And tell us about though, that first moment of deciding

125
00:06:23,040 --> 00:06:26,120
Speaker 1: to go start your own business, like what was going

126
00:06:26,160 --> 00:06:28,640
Speaker 1: on for you at the time and in the world

127
00:06:28,800 --> 00:06:30,920
Speaker 1: as well far.

128
00:06:30,960 --> 00:06:35,520
Speaker 5: Out So, I mean we were Tash was Tasha was

129
00:06:35,560 --> 00:06:38,720
Speaker 5: pregnant with our second child at the time, and we

130
00:06:39,680 --> 00:06:44,919
Speaker 5: were living in Sydney in the wonderful Queenscliff and gorgeous.

131
00:06:45,400 --> 00:06:49,560
Speaker 5: Kind of dropped into a mortgage that was really extending

132
00:06:49,600 --> 00:06:53,520
Speaker 5: ourselves a couple of years earlier, and then made the call.

133
00:06:54,080 --> 00:06:57,320
Speaker 5: I started a business with two others and that wasn't

134
00:06:57,360 --> 00:06:59,360
Speaker 5: really going where we thought it would, so we made

135
00:06:59,360 --> 00:07:01,680
Speaker 5: this split and then Hash and I started Sufficient Funds

136
00:07:01,680 --> 00:07:08,000
Speaker 5: together at the start of July twenty eighteen, which and

137
00:07:08,240 --> 00:07:13,320
Speaker 5: Eden was born in August twenty eighteen, so our two

138
00:07:13,360 --> 00:07:18,560
Speaker 5: babies were well two of them, business and Eden all

139
00:07:18,640 --> 00:07:21,040
Speaker 5: at the same time. And yeah, that was that was

140
00:07:21,080 --> 00:07:23,760
Speaker 5: an incredibly rocky start.

141
00:07:24,680 --> 00:07:26,160
Speaker 7: He was born premier, so it was a lot of

142
00:07:26,160 --> 00:07:30,240
Speaker 7: time in hospital, right, Yeah, we kind of had to

143
00:07:30,320 --> 00:07:32,360
Speaker 7: drop everything at that point in time, didn't we.

144
00:07:33,000 --> 00:07:35,360
Speaker 5: Yeah, what was it? A month in hospital before he

145
00:07:35,440 --> 00:07:39,400
Speaker 5: was born, and then a month after in and out

146
00:07:39,400 --> 00:07:42,400
Speaker 5: a bit more after that, So yeah, we had like

147
00:07:42,640 --> 00:07:44,040
Speaker 5: that was a I mean, we got a lot out

148
00:07:44,080 --> 00:07:46,960
Speaker 5: of that. That was probably one of those lessons very

149
00:07:47,000 --> 00:07:49,640
Speaker 5: early on in business especially, but in life it just

150
00:07:49,680 --> 00:07:51,880
Speaker 5: you sometimes you just got to drop everything in perspective,

151
00:07:52,080 --> 00:07:55,480
Speaker 5: just takes over. You kind of have no choice.

152
00:07:55,760 --> 00:08:01,040
Speaker 1: Yeah, absolutely, tell us about the business, because you are

153
00:08:01,720 --> 00:08:05,280
Speaker 1: a finance business basically, but tell us a bit more

154
00:08:05,280 --> 00:08:08,120
Speaker 1: about it because the way you sort of approach money

155
00:08:08,480 --> 00:08:10,520
Speaker 1: and your clients is a little bit different, and I

156
00:08:10,560 --> 00:08:13,000
Speaker 1: actually really loved how you approach that.

157
00:08:14,440 --> 00:08:17,320
Speaker 5: Yeah. So, I mean the focus is always for me,

158
00:08:17,720 --> 00:08:19,560
Speaker 5: and kind of where I've lean in terms of the

159
00:08:19,600 --> 00:08:23,680
Speaker 5: money stuff is that that side of things isn't very approachable,

160
00:08:23,880 --> 00:08:26,800
Speaker 5: as most of the world will agree, I'm sure, and

161
00:08:27,000 --> 00:08:30,480
Speaker 5: so we lean pretty heavily towards life and then life

162
00:08:30,480 --> 00:08:33,959
Speaker 5: being let's get really clear on all of that, so

163
00:08:33,960 --> 00:08:36,360
Speaker 5: that then you can allow your money plan just to

164
00:08:36,440 --> 00:08:40,200
Speaker 5: facilitate that. And money really is an enabler and that's it.

165
00:08:40,280 --> 00:08:42,280
Speaker 5: So don't get stuck and caught up in it and

166
00:08:42,320 --> 00:08:44,319
Speaker 5: what you're doing and how you're doing it. Just make

167
00:08:44,360 --> 00:08:48,240
Speaker 5: a plan around aligning your decisions to everything you want

168
00:08:48,280 --> 00:08:52,079
Speaker 5: to do, that you actually value, that you really care about,

169
00:08:52,720 --> 00:08:55,400
Speaker 5: and the money side of things. Once you get that right,

170
00:08:55,440 --> 00:08:56,560
Speaker 5: it can take care of itself.

171
00:08:57,400 --> 00:08:58,040
Speaker 3: Yeah. I love that.

172
00:08:58,720 --> 00:09:00,840
Speaker 4: I was sitting next to a guy an aeroplane on

173
00:09:00,880 --> 00:09:04,360
Speaker 4: an international flight. We were up the front, I was

174
00:09:04,880 --> 00:09:07,920
Speaker 4: being paid for up the front of the plane. I

175
00:09:08,000 --> 00:09:10,760
Speaker 4: had no business being out there except that I was there,

176
00:09:11,400 --> 00:09:14,199
Speaker 4: and he was clearly very wealthy with his dripping in

177
00:09:14,280 --> 00:09:15,960
Speaker 4: gold and a roll, excellent sort of stuff.

178
00:09:15,960 --> 00:09:17,200
Speaker 2: And we're having a chat about nothing.

179
00:09:17,280 --> 00:09:20,600
Speaker 4: About two hours into the flight, clup my glasses, Champagne.

180
00:09:20,320 --> 00:09:23,680
Speaker 4: I leant over to him and I said, what is

181
00:09:24,240 --> 00:09:28,840
Speaker 4: your definition of money? And he said that's a good question.

182
00:09:29,400 --> 00:09:31,120
Speaker 2: And then he looked at me his square in the eye.

183
00:09:31,200 --> 00:09:35,239
Speaker 2: He goes lube, and I'm really.

184
00:09:35,320 --> 00:09:39,800
Speaker 1: He owns a Loube business, right, yeah, astro glide or

185
00:09:39,800 --> 00:09:40,800
Speaker 1: something like that.

186
00:09:41,200 --> 00:09:43,280
Speaker 3: Could you imagine my own at Gli.

187
00:09:45,520 --> 00:09:50,520
Speaker 2: Valvele, you know what I mean? Val Yeah?

188
00:09:50,559 --> 00:09:54,360
Speaker 4: He no, he said lubricants and he said it's it's

189
00:09:54,400 --> 00:09:56,720
Speaker 4: simple as that. He said, you really shouldn't be scared

190
00:09:56,760 --> 00:09:59,720
Speaker 4: of money. He said, it's just just call more in

191
00:10:00,040 --> 00:10:02,440
Speaker 4: and I said, it's probably easy.

192
00:10:02,240 --> 00:10:03,760
Speaker 2: For you to say. I don't remember how the rest

193
00:10:03,760 --> 00:10:04,760
Speaker 2: of the conversation went.

194
00:10:05,320 --> 00:10:07,680
Speaker 1: Do you do you you asked him for a million

195
00:10:07,679 --> 00:10:08,320
Speaker 1: dollars years?

196
00:10:08,360 --> 00:10:09,079
Speaker 2: Because you do?

197
00:10:09,160 --> 00:10:12,000
Speaker 3: You have some more, mate, You spare a mill.

198
00:10:14,480 --> 00:10:16,800
Speaker 2: You've got five hundred of them. You're not going to

199
00:10:16,880 --> 00:10:21,880
Speaker 2: miss one, just one. Come on, do you have a

200
00:10:21,920 --> 00:10:22,880
Speaker 2: definition of money?

201
00:10:23,800 --> 00:10:24,400
Speaker 1: What is it? Few?

202
00:10:25,800 --> 00:10:27,600
Speaker 6: I don't know if I've got a definition of money.

203
00:10:28,679 --> 00:10:31,720
Speaker 5: I mean, it's it just comes back to that. It's

204
00:10:31,800 --> 00:10:34,880
Speaker 5: just it's there to do all the things you want

205
00:10:34,920 --> 00:10:38,480
Speaker 5: to do. It's not a like don't don't make it

206
00:10:38,520 --> 00:10:41,640
Speaker 5: the core. Don't make it the core of what you're

207
00:10:41,640 --> 00:10:45,640
Speaker 5: trying to do, right, Like this, this idea of money,

208
00:10:45,920 --> 00:10:48,760
Speaker 5: money is scary, and and you just want to go,

209
00:10:49,120 --> 00:10:52,160
Speaker 5: where's my life at? And how do I just align

210
00:10:52,240 --> 00:10:54,560
Speaker 5: it with that? And I mean, we can unpack if

211
00:10:54,600 --> 00:10:57,400
Speaker 5: you want to to how to do that. And that's

212
00:10:57,440 --> 00:10:59,559
Speaker 5: kind of what we attacked in the book is some

213
00:10:59,600 --> 00:11:03,080
Speaker 5: really critical steps in just getting clear on what you

214
00:11:03,120 --> 00:11:04,199
Speaker 5: want to do and then bring.

215
00:11:04,040 --> 00:11:07,360
Speaker 2: It together so it's really okay, so that's it.

216
00:11:07,400 --> 00:11:09,560
Speaker 4: Then have an idea about what it is you want

217
00:11:09,559 --> 00:11:12,480
Speaker 4: to do, and then and then take action based on

218
00:11:12,960 --> 00:11:17,800
Speaker 4: that rather than like, shit, we just got to make money,

219
00:11:17,640 --> 00:11:19,080
Speaker 4: and the stress all around that.

220
00:11:19,720 --> 00:11:24,160
Speaker 5: As advisors where we're constantly approached by people who come thinking, well,

221
00:11:24,160 --> 00:11:26,400
Speaker 5: they're money people, we better tell them our money problems

222
00:11:26,440 --> 00:11:28,600
Speaker 5: or our money goals, right, And that's critical and it's

223
00:11:28,600 --> 00:11:30,600
Speaker 5: all part of it. But if you go to an

224
00:11:30,600 --> 00:11:32,319
Speaker 5: advisor and they say to you, what are your goals,

225
00:11:32,400 --> 00:11:34,360
Speaker 5: you're going to straight away naturally say well, I want

226
00:11:34,360 --> 00:11:38,600
Speaker 5: to reduce tax or save more or invest or deal

227
00:11:38,640 --> 00:11:41,200
Speaker 5: with this lump some of just got inheritance or whatever

228
00:11:41,200 --> 00:11:45,040
Speaker 5: it might be. And if you lead with money, you

229
00:11:45,120 --> 00:11:48,600
Speaker 5: skip over the important stuff. You dive straight into trying

230
00:11:48,640 --> 00:11:52,119
Speaker 5: to fix, into solutions mode, trying to fix those money problems.

231
00:11:53,160 --> 00:11:56,080
Speaker 5: All of a sudden, life takes over and everything else

232
00:11:56,200 --> 00:11:59,520
Speaker 5: changes and the plan. At worst, the plan can completely

233
00:11:59,520 --> 00:12:02,839
Speaker 5: fall apart because you're investing, but you forgot why. And

234
00:12:02,920 --> 00:12:05,280
Speaker 5: so if you can come back to get clear on

235
00:12:05,320 --> 00:12:08,280
Speaker 5: the stuff up front that actually matters, list your values,

236
00:12:08,320 --> 00:12:11,120
Speaker 5: out list your goals, think about milestones that are coming up,

237
00:12:11,160 --> 00:12:13,480
Speaker 5: all of that sort of thing. We call this define

238
00:12:13,520 --> 00:12:16,520
Speaker 5: and it's the first step. It's the missing step really

239
00:12:16,720 --> 00:12:18,880
Speaker 5: for how to attack your money plan.

240
00:12:19,800 --> 00:12:21,720
Speaker 7: And it can be so much more scary when you

241
00:12:21,760 --> 00:12:24,800
Speaker 7: look at it from a financial perspective or this financial jargon.

242
00:12:26,160 --> 00:12:28,839
Speaker 6: If you look at it from life. Everyone's got life goals.

243
00:12:28,880 --> 00:12:31,040
Speaker 7: Everyone understands what they want to do next, what they

244
00:12:31,040 --> 00:12:34,319
Speaker 7: would like to achieve in the next five to ten years.

245
00:12:35,520 --> 00:12:37,440
Speaker 6: Yeah, yeah, just makes it easy.

246
00:12:37,880 --> 00:12:41,480
Speaker 1: Tash, have you seen some really great success stories from

247
00:12:41,600 --> 00:12:44,400
Speaker 1: the advice that your company give to people.

248
00:12:45,440 --> 00:12:48,000
Speaker 7: I think we see and you know, I'm not personally

249
00:12:48,040 --> 00:12:50,520
Speaker 7: a financial advisor, but through the business, we see people

250
00:12:50,600 --> 00:12:53,079
Speaker 7: achieving their goals every day. So that's something that I

251
00:12:53,120 --> 00:12:55,280
Speaker 7: think we're very lucky to see that. We see we

252
00:12:55,320 --> 00:12:57,679
Speaker 7: definitely see people come to us that aren't in the

253
00:12:57,720 --> 00:13:01,560
Speaker 7: best spot, but we also see the amazing work that

254
00:13:01,600 --> 00:13:05,160
Speaker 7: comes through every day. If I can think of, you know,

255
00:13:05,360 --> 00:13:10,559
Speaker 7: people that have been left with unfortunately large inheritances, I

256
00:13:10,559 --> 00:13:12,760
Speaker 7: can think of her client who was widowed and she

257
00:13:12,800 --> 00:13:15,200
Speaker 7: had to really figure out where to go from there,

258
00:13:15,920 --> 00:13:19,040
Speaker 7: and to see her move on from that from a

259
00:13:19,200 --> 00:13:21,480
Speaker 7: you know, a life goals perspective, but then also get

260
00:13:21,480 --> 00:13:24,559
Speaker 7: her money sorted and feel confident getting your feed back

261
00:13:24,640 --> 00:13:27,000
Speaker 7: under it was really that's something that stayed with me.

262
00:13:27,679 --> 00:13:31,240
Speaker 4: It's interesting you say that because you said unfortunate and

263
00:13:31,800 --> 00:13:34,679
Speaker 4: a large sum of money, you know, in the same sentence,

264
00:13:35,480 --> 00:13:38,280
Speaker 4: and that's not normally well, I wouldn't have thought that

265
00:13:38,320 --> 00:13:40,559
Speaker 4: would be an unfortunate event.

266
00:13:40,480 --> 00:13:43,040
Speaker 3: But under the circumstances.

267
00:13:42,280 --> 00:13:42,960
Speaker 2: As a widower.

268
00:13:43,720 --> 00:13:50,040
Speaker 1: Yeah yeah, campslow dollar signs are got excited about someone's

269
00:13:50,080 --> 00:13:51,479
Speaker 1: life being someone.

270
00:13:51,440 --> 00:13:54,240
Speaker 2: Maybe that's it. Maybe that's what I just go A

271
00:13:54,480 --> 00:13:58,720
Speaker 2: big chunk of money. My god, it's so driven by money.

272
00:13:58,760 --> 00:13:59,520
Speaker 2: It's terrible.

273
00:14:00,120 --> 00:14:01,840
Speaker 3: Not actually driven by money.

274
00:14:02,640 --> 00:14:03,600
Speaker 2: I wish we had more.

275
00:14:03,920 --> 00:14:06,960
Speaker 5: Yeah, yeah, yeah, you need to come and work with us,

276
00:14:07,040 --> 00:14:08,120
Speaker 5: can we do?

277
00:14:10,160 --> 00:14:10,840
Speaker 2: That's the thing.

278
00:14:11,000 --> 00:14:13,760
Speaker 1: And now we've been reading your book well and I'm like,

279
00:14:13,880 --> 00:14:16,760
Speaker 1: this is really good.

280
00:14:17,240 --> 00:14:20,600
Speaker 4: Yeah, j Allie says to me when we were when

281
00:14:20,640 --> 00:14:23,760
Speaker 4: we were preparing to meet you guys, She's like, I

282
00:14:23,800 --> 00:14:26,920
Speaker 4: think we need to work with these two and I'm

283
00:14:26,960 --> 00:14:29,080
Speaker 4: like really, She goes, yeah, I think so. So well,

284
00:14:29,120 --> 00:14:31,480
Speaker 4: let's just have a chat get to know them first.

285
00:14:32,440 --> 00:14:34,920
Speaker 5: Well, so far Ali's Alie's good, which she's met that

286
00:14:35,000 --> 00:14:37,480
Speaker 5: she's met the criteria. We'll work on you.

287
00:14:37,520 --> 00:14:39,680
Speaker 2: Okay, yeah, you can work on me. I guess where

288
00:14:39,680 --> 00:14:42,680
Speaker 2: I was going with that question, though, Tash was.

289
00:14:43,200 --> 00:14:46,080
Speaker 4: I hear a lot about people who win the lottery

290
00:14:46,640 --> 00:14:48,840
Speaker 4: and that's a good news thing, and then two years

291
00:14:49,240 --> 00:14:53,040
Speaker 4: their life is in the ship. Yeah right, because I'm

292
00:14:53,120 --> 00:14:56,280
Speaker 4: guessing in America, if you win the lottery, that actually

293
00:14:56,280 --> 00:14:58,600
Speaker 4: make you I think, well, I can't make.

294
00:14:58,520 --> 00:15:00,720
Speaker 2: You do anything because you're Fifth Amendment.

295
00:15:01,280 --> 00:15:04,560
Speaker 4: Or whatever amendment it is, but they actually have you

296
00:15:04,640 --> 00:15:07,600
Speaker 4: go through some kind of a money course on how

297
00:15:07,600 --> 00:15:13,360
Speaker 4: to manage this massive, you know, win fall that you've experienced.

298
00:15:14,320 --> 00:15:16,040
Speaker 2: Is that a common thing?

299
00:15:16,200 --> 00:15:17,800
Speaker 3: Do you think winning the lottery?

300
00:15:17,840 --> 00:15:18,240
Speaker 8: I'm not sure.

301
00:15:18,840 --> 00:15:23,560
Speaker 4: Definitely is more common than not, but large summer money

302
00:15:23,560 --> 00:15:25,880
Speaker 4: and not knowing how to deal with it at.

303
00:15:25,760 --> 00:15:28,360
Speaker 7: The moment, we are about to see the biggest lot

304
00:15:28,360 --> 00:15:32,080
Speaker 7: of inheritance come through from the from the elder generations

305
00:15:32,080 --> 00:15:36,680
Speaker 7: through the younger generations, this intergenerational wealth transfer, and we're

306
00:15:37,320 --> 00:15:39,440
Speaker 7: one of the things that we advocate for is having

307
00:15:39,440 --> 00:15:44,400
Speaker 7: those conversations up up front early before people pass away

308
00:15:44,440 --> 00:15:47,760
Speaker 7: and then you're left with figuring it out at the end.

309
00:15:47,800 --> 00:15:51,080
Speaker 7: Why not see the benefits of passing that money onto

310
00:15:51,080 --> 00:15:52,720
Speaker 7: your offspring a bit earlier.

311
00:15:52,920 --> 00:15:57,040
Speaker 5: So, yeah, it's always that crazy time with someone coming

312
00:15:57,080 --> 00:15:59,680
Speaker 5: to us, and it's often and because we work with

313
00:15:59,720 --> 00:16:02,280
Speaker 5: a lot of people under fifty and sometimes they're in

314
00:16:02,320 --> 00:16:05,560
Speaker 5: their kind of mid to late twenties with this lump

315
00:16:05,920 --> 00:16:08,080
Speaker 5: lump sum like we're talking about. They didn't want it,

316
00:16:08,560 --> 00:16:10,800
Speaker 5: they wish it was different, but now it's there and

317
00:16:10,840 --> 00:16:16,080
Speaker 5: they feel this incredible responsibility to steward it well. And sure,

318
00:16:16,160 --> 00:16:20,240
Speaker 5: you know, but sometimes, I mean, what we've been as

319
00:16:20,280 --> 00:16:23,000
Speaker 5: Tash was alluding to there, is having these conversations with

320
00:16:23,040 --> 00:16:25,120
Speaker 5: people earlier and getting it on the table. So if

321
00:16:25,120 --> 00:16:28,160
Speaker 5: you've got an estate plan in place, tell your kids,

322
00:16:28,240 --> 00:16:31,000
Speaker 5: tell your family, tell them who's getting what it looks like,

323
00:16:31,080 --> 00:16:33,400
Speaker 5: so they can get their heads around it and if

324
00:16:33,400 --> 00:16:35,640
Speaker 5: they've got a problem, bring it up now and we

325
00:16:35,640 --> 00:16:38,680
Speaker 5: can talk about it. So, yeah, it's a very it

326
00:16:38,680 --> 00:16:40,880
Speaker 5: can be a very touchy subject. I mean money is

327
00:16:41,360 --> 00:16:44,960
Speaker 5: it's so taboo for everyone or so many Yeah, and

328
00:16:46,040 --> 00:16:48,400
Speaker 5: you know, unfortunately that means it doesn't get talked about

329
00:16:48,480 --> 00:16:49,200
Speaker 5: until it's too late.

330
00:16:49,240 --> 00:16:57,160
Speaker 1: Sometimes do you have couples come in and they're at

331
00:16:57,160 --> 00:16:58,240
Speaker 1: odds with each other.

332
00:16:58,600 --> 00:17:00,960
Speaker 7: So not necessarily at odds with each other. We have

333
00:17:01,200 --> 00:17:05,080
Speaker 7: so about seventy five percent of our clients are female,

334
00:17:05,160 --> 00:17:07,600
Speaker 7: and it's mostly the females that are coming. Even when

335
00:17:07,600 --> 00:17:11,439
Speaker 7: it's a couple, it's generally speaking the female that's leading

336
00:17:11,480 --> 00:17:15,800
Speaker 7: that conversation. So sometimes we can see people with mal

337
00:17:15,840 --> 00:17:19,000
Speaker 7: aligned goals or you know, not necessarily you know, someone

338
00:17:19,080 --> 00:17:21,800
Speaker 7: might be on board and the other one's not. But

339
00:17:22,000 --> 00:17:24,400
Speaker 7: generally that's kind of part of what we do. Unpack

340
00:17:24,680 --> 00:17:26,879
Speaker 7: those goals up front and make sure that everyone's on

341
00:17:26,920 --> 00:17:29,240
Speaker 7: the same page, because that's important. When you're a couple

342
00:17:29,240 --> 00:17:31,960
Speaker 7: and you've got money that you're sharing, it's really important

343
00:17:32,640 --> 00:17:34,560
Speaker 7: to get that right. And it's okay to have you know,

344
00:17:34,800 --> 00:17:37,120
Speaker 7: the separate bank accounts. So that's a question we get

345
00:17:37,119 --> 00:17:39,040
Speaker 7: off and is it okay to have a separate bank account.

346
00:17:40,080 --> 00:17:42,320
Speaker 6: You can run off with your money or whatever.

347
00:17:42,920 --> 00:17:45,960
Speaker 7: It's okay to do that, but it's the conversation upfront

348
00:17:45,960 --> 00:17:48,240
Speaker 7: to have if you want the combined bank accounts or

349
00:17:48,240 --> 00:17:50,440
Speaker 7: if you want the separate bank accounts or a mix

350
00:17:50,480 --> 00:17:50,840
Speaker 7: of both.

351
00:17:51,040 --> 00:17:51,280
Speaker 4: Yeah.

352
00:17:51,440 --> 00:17:52,000
Speaker 3: Interesting.

353
00:17:53,240 --> 00:17:57,040
Speaker 1: Cam encouraged me to get a separate bank account.

354
00:17:57,240 --> 00:17:58,200
Speaker 3: Not that long ago.

355
00:17:58,240 --> 00:18:01,480
Speaker 1: We've been together thirty two years and it's probably about

356
00:18:01,480 --> 00:18:02,080
Speaker 1: a year ago.

357
00:18:02,240 --> 00:18:05,280
Speaker 4: Yeah, so we've been together for over thirty years and

358
00:18:05,920 --> 00:18:08,960
Speaker 4: we just had a joint bank account.

359
00:18:08,160 --> 00:18:09,320
Speaker 2: Every Yeah.

360
00:18:09,440 --> 00:18:12,000
Speaker 4: She was saying, honey, you're making your own money. You

361
00:18:12,080 --> 00:18:16,159
Speaker 4: really should be putting money away for yourself. And that

362
00:18:16,320 --> 00:18:21,359
Speaker 4: was more about from the example of my mom, because

363
00:18:21,359 --> 00:18:24,080
Speaker 4: she's always had her own little stash, you know, and

364
00:18:24,119 --> 00:18:29,360
Speaker 4: she'll give her grandkids a present, or she'd be up

365
00:18:29,440 --> 00:18:31,439
Speaker 4: selling her pottery and she'd put her money in her

366
00:18:31,480 --> 00:18:34,399
Speaker 4: own bank account, you know. So I thought it was

367
00:18:34,440 --> 00:18:35,880
Speaker 4: important that you had it.

368
00:18:35,920 --> 00:18:38,320
Speaker 2: Is it? Are you glad you have that?

369
00:18:38,440 --> 00:18:38,640
Speaker 1: Oh?

370
00:18:38,840 --> 00:18:39,280
Speaker 5: Yeah?

371
00:18:39,320 --> 00:18:42,359
Speaker 1: And there was an I remember we had many many

372
00:18:42,400 --> 00:18:43,439
Speaker 1: episodes ago there.

373
00:18:43,320 --> 00:18:47,600
Speaker 2: She's got more money than God. By the true so

374
00:18:47,880 --> 00:18:49,159
Speaker 2: I have no access to it.

375
00:18:50,840 --> 00:18:54,440
Speaker 1: Think no, But I remember this female money advisor who

376
00:18:54,520 --> 00:18:56,720
Speaker 1: talked about that, because I don't know if you've come

377
00:18:56,760 --> 00:18:59,120
Speaker 1: across this as well, Tash and James, that a lot

378
00:18:59,160 --> 00:19:02,560
Speaker 1: of women often don't have their own account and there's

379
00:19:02,640 --> 00:19:07,800
Speaker 1: such an empowerment in that. And I feel so empowered

380
00:19:08,400 --> 00:19:13,679
Speaker 1: by having my own bank account. I absolutely love.

381
00:19:13,560 --> 00:19:17,439
Speaker 3: It and that's good. I really like.

382
00:19:17,520 --> 00:19:19,879
Speaker 1: It feels so good to me and I love watching

383
00:19:19,920 --> 00:19:21,600
Speaker 1: it grow. And I love to be able to go

384
00:19:22,000 --> 00:19:24,680
Speaker 1: Let me treat you, Cam, It's my treat, you know

385
00:19:24,720 --> 00:19:26,280
Speaker 1: what I mean. I just love to be able to

386
00:19:26,280 --> 00:19:29,119
Speaker 1: do that. And yeah, same buying stuff with the kids,

387
00:19:29,280 --> 00:19:32,280
Speaker 1: or I mean, my trip to Tahiti's coming up on my.

388
00:19:32,320 --> 00:19:34,040
Speaker 3: Own and I just can't wait.

389
00:19:33,880 --> 00:19:37,560
Speaker 2: To go on that.

390
00:19:39,320 --> 00:19:43,200
Speaker 5: How ridiculous is it that we're actually having this discussion though? Right,

391
00:19:43,840 --> 00:19:48,479
Speaker 5: the equity between partners should should be there, and you know,

392
00:19:48,520 --> 00:19:52,719
Speaker 5: it's not necessarily in so many cases we had, I mean,

393
00:19:53,240 --> 00:19:55,959
Speaker 5: one part that we like we added into the book

394
00:19:56,440 --> 00:19:59,119
Speaker 5: and put a kind of a fairly big section on

395
00:19:59,200 --> 00:20:01,680
Speaker 5: it was this idea the gender pay gap and gender

396
00:20:01,880 --> 00:20:04,240
Speaker 5: super garp that then comes as a result, and that's

397
00:20:04,280 --> 00:20:08,280
Speaker 5: not necessarily driven by anything other than the systemic issues

398
00:20:08,320 --> 00:20:11,720
Speaker 5: around the government and how we support people when they

399
00:20:11,720 --> 00:20:17,200
Speaker 5: start a family, especially, and things like superbalances starting off similarly,

400
00:20:17,640 --> 00:20:19,920
Speaker 5: and yeah, the wage balance might be off, and if

401
00:20:19,960 --> 00:20:22,120
Speaker 5: that's the case, then they stop work and it might

402
00:20:22,160 --> 00:20:24,320
Speaker 5: be the female is having the child and spending more

403
00:20:24,359 --> 00:20:28,320
Speaker 5: time off and returning to part time and that's all generally,

404
00:20:28,359 --> 00:20:32,600
Speaker 5: that's a natural occurrence for so many, but it lends

405
00:20:32,680 --> 00:20:37,040
Speaker 5: itself to them getting closer to retirement with a superbalance

406
00:20:37,119 --> 00:20:41,520
Speaker 5: that's way off in terms of partners. And I mean,

407
00:20:41,560 --> 00:20:43,840
Speaker 5: there's all sorts of things. I actually delivered a plan

408
00:20:43,920 --> 00:20:46,879
Speaker 5: to a clients yesterday and we talked through he was

409
00:20:46,920 --> 00:20:50,560
Speaker 5: actually going to split twenty five percent of his contributions

410
00:20:50,560 --> 00:20:54,040
Speaker 5: into her account. And you can do that if you

411
00:20:54,119 --> 00:20:56,400
Speaker 5: meet all the criteria. So there are options to kind

412
00:20:56,400 --> 00:20:59,360
Speaker 5: of do things like that. So even if you do

413
00:20:59,440 --> 00:21:03,359
Speaker 5: see yourself together forever, which most people would say, yeah,

414
00:21:03,359 --> 00:21:05,439
Speaker 5: that's the case for us, it's sometimes it's not going

415
00:21:05,480 --> 00:21:08,000
Speaker 5: to be the case, right, And so having a bit

416
00:21:08,080 --> 00:21:11,640
Speaker 5: more stability, even just in the numbers like that, even

417
00:21:11,800 --> 00:21:15,600
Speaker 5: with that very boring topic of super can actually change

418
00:21:15,600 --> 00:21:18,440
Speaker 5: someone's complete like outlook on it all.

419
00:21:18,920 --> 00:21:21,719
Speaker 1: Is there something as basic that you could give us

420
00:21:21,760 --> 00:21:23,840
Speaker 1: as three top financial tips?

421
00:21:23,920 --> 00:21:25,160
Speaker 3: Is that really hard to do?

422
00:21:26,240 --> 00:21:26,600
Speaker 6: No?

423
00:21:26,600 --> 00:21:28,600
Speaker 7: No, And you know we try and make everything really

424
00:21:28,920 --> 00:21:31,080
Speaker 7: relaxed and relatable, so absolutely we can.

425
00:21:31,240 --> 00:21:31,880
Speaker 6: We can do that.

426
00:21:32,600 --> 00:21:38,040
Speaker 7: So Number one, we definitely advocate for just knowing where

427
00:21:38,080 --> 00:21:40,399
Speaker 7: your money is going, so ins and outs of your money,

428
00:21:40,840 --> 00:21:44,199
Speaker 7: opening up your bank account and just seeing where is

429
00:21:44,200 --> 00:21:46,120
Speaker 7: your money and the number of people that just don't

430
00:21:46,119 --> 00:21:47,960
Speaker 7: do this or don't have a good rhythm around doing

431
00:21:48,000 --> 00:21:51,120
Speaker 7: it is astounding. So I think that's just an easy one.

432
00:21:51,160 --> 00:21:52,920
Speaker 7: You can sit in a waiting room on a train

433
00:21:53,359 --> 00:21:55,000
Speaker 7: and just open up your bank accounts and just have

434
00:21:55,040 --> 00:21:55,720
Speaker 7: a scroll through.

435
00:21:55,960 --> 00:21:59,080
Speaker 5: Getting on the same page is a really important part.

436
00:21:59,119 --> 00:22:01,640
Speaker 5: And this comes back to that same that overall kind

437
00:22:01,640 --> 00:22:05,320
Speaker 5: of discussion around being super clear on what you want

438
00:22:05,359 --> 00:22:08,679
Speaker 5: to achieve. That's not an individual discussion. That's what that

439
00:22:08,760 --> 00:22:12,560
Speaker 5: part we call define is get really clear on your goals.

440
00:22:12,600 --> 00:22:14,600
Speaker 5: And you guys can have joint goals, but you're also

441
00:22:14,600 --> 00:22:17,800
Speaker 5: going to have individual ones. Yeah are you are you

442
00:22:17,880 --> 00:22:19,399
Speaker 5: taking Cam to Tahiti?

443
00:22:19,960 --> 00:22:20,960
Speaker 3: No?

444
00:22:20,960 --> 00:22:22,080
Speaker 5: No, so there you go.

445
00:22:23,920 --> 00:22:24,320
Speaker 2: To do that?

446
00:22:24,400 --> 00:22:24,480
Speaker 1: Right?

447
00:22:25,400 --> 00:22:26,040
Speaker 6: Where are you going?

448
00:22:26,600 --> 00:22:29,000
Speaker 2: Probably go? I'm making this up?

449
00:22:29,080 --> 00:22:32,320
Speaker 3: No, one's no one's going anywhere, but it does luxury escape.

450
00:22:32,359 --> 00:22:36,000
Speaker 1: It's nice at home making spaghetti pollinaise to my younger.

451
00:22:35,840 --> 00:22:36,560
Speaker 2: D next year.

452
00:22:36,720 --> 00:22:39,919
Speaker 4: Next year, we're going somewhere special together, are we?

453
00:22:40,160 --> 00:22:40,800
Speaker 2: Yeah?

454
00:22:41,080 --> 00:22:41,679
Speaker 5: Surprised?

455
00:22:42,560 --> 00:22:43,520
Speaker 3: Okay, all right, you.

456
00:22:45,119 --> 00:22:47,640
Speaker 2: Have a big celebration next year for you job.

457
00:22:47,720 --> 00:22:49,720
Speaker 3: That's anyway? All right, go ahead, go ahead?

458
00:22:51,040 --> 00:22:54,960
Speaker 5: Yes, Later, getting control, getting control of your money, getting

459
00:22:55,000 --> 00:22:57,000
Speaker 5: super clear on what you want to achieve, And that's

460
00:22:57,560 --> 00:23:01,040
Speaker 5: defining it before you start planning for it. And then

461
00:23:01,640 --> 00:23:03,680
Speaker 5: I mean something we could probably talk all day about

462
00:23:03,720 --> 00:23:07,600
Speaker 5: and we won't. But defending the section in the book,

463
00:23:07,600 --> 00:23:09,920
Speaker 5: it's the fourth chapter. It's called defend and it's when

464
00:23:09,960 --> 00:23:14,000
Speaker 5: it shit hits the fan. And this is, you know,

465
00:23:14,200 --> 00:23:17,760
Speaker 5: just making sure that couples have a plan for it

466
00:23:17,800 --> 00:23:19,840
Speaker 5: going wrong. I mean a lot of people talk about

467
00:23:19,880 --> 00:23:24,280
Speaker 5: having an emergency fund, but also having that discussion of

468
00:23:24,400 --> 00:23:25,800
Speaker 5: what happens if we have to use it and how

469
00:23:25,800 --> 00:23:28,960
Speaker 5: do we bounce back from that? And I mean that

470
00:23:29,359 --> 00:23:31,240
Speaker 5: shows up in all sorts of ways. It depends where

471
00:23:31,240 --> 00:23:33,040
Speaker 5: you're at. It might be starting a family, like we

472
00:23:33,119 --> 00:23:35,639
Speaker 5: had the fun of in and around all of that

473
00:23:35,720 --> 00:23:37,680
Speaker 5: at the same time as the business and the mortgage

474
00:23:37,760 --> 00:23:42,600
Speaker 5: was huge, or it could be the widow scenario or

475
00:23:42,720 --> 00:23:45,400
Speaker 5: divorce or whatever else it might be. So you've got

476
00:23:45,400 --> 00:23:49,760
Speaker 5: your kind of outs. And I mean, something very boring

477
00:23:49,760 --> 00:23:52,639
Speaker 5: that we talk about, super critical in terms of financial planning,

478
00:23:52,680 --> 00:23:56,800
Speaker 5: is that that idea of income protection insurance, having life insurance,

479
00:23:56,800 --> 00:24:00,359
Speaker 5: having mechanisms in place where if it really goes wrong

480
00:24:00,920 --> 00:24:03,800
Speaker 5: and you don't fall apart completely financially.

481
00:24:04,000 --> 00:24:08,240
Speaker 2: So you do advocate for that for insurances, Yeah.

482
00:24:08,520 --> 00:24:11,800
Speaker 5: Definitely, And I mean they're like those types of insurances

483
00:24:11,800 --> 00:24:14,800
Speaker 5: that we're talking to clients about, Like it's not a

484
00:24:14,840 --> 00:24:17,240
Speaker 5: broken finger, something's really gone wrong.

485
00:24:17,320 --> 00:24:18,280
Speaker 3: You see, you're.

486
00:24:18,119 --> 00:24:21,919
Speaker 5: Injured, you can't work, and in the money side of things,

487
00:24:22,240 --> 00:24:25,760
Speaker 5: everything can completely fall apart, and most of the stuff

488
00:24:25,800 --> 00:24:28,400
Speaker 5: is something you can't, like you're either selling if you've

489
00:24:28,400 --> 00:24:30,680
Speaker 5: built up some decent assets, you could sell things to

490
00:24:30,720 --> 00:24:35,679
Speaker 5: get yourself through. But in many cases it's it's just

491
00:24:36,480 --> 00:24:38,239
Speaker 5: a looking at having a look at that and saying, well,

492
00:24:38,240 --> 00:24:42,320
Speaker 5: if this happened, where would we be, and could insurance

493
00:24:42,320 --> 00:24:44,240
Speaker 5: that make sure it's affordable. Some of it can be

494
00:24:44,240 --> 00:24:47,680
Speaker 5: paid through super as well, Can that fill the gaps

495
00:24:47,720 --> 00:24:48,320
Speaker 5: if we need it?

496
00:24:48,720 --> 00:24:50,920
Speaker 3: All the tricks of the trade, they're so good.

497
00:24:51,200 --> 00:24:56,320
Speaker 1: I also heard too that particularly as the female in

498
00:24:56,359 --> 00:24:59,600
Speaker 1: the relationship. I'm sure it goes both ways as well,

499
00:24:59,640 --> 00:25:02,679
Speaker 1: but make sure you know, like whose name is on

500
00:25:02,920 --> 00:25:05,440
Speaker 1: the account, like I've heard of like when the husband's

501
00:25:05,520 --> 00:25:08,080
Speaker 1: passed away and it's a it's all in his name

502
00:25:08,200 --> 00:25:11,400
Speaker 1: and the wife has difficulty getting access.

503
00:25:11,000 --> 00:25:15,480
Speaker 3: To the accounts. Is that correct because she hasn't of it?

504
00:25:15,640 --> 00:25:18,480
Speaker 5: Yeah, yeah, yeah, And I mean this comes back to

505
00:25:18,520 --> 00:25:21,800
Speaker 5: that idea of joint accounts for almost everything, right, And

506
00:25:22,119 --> 00:25:23,679
Speaker 5: I mean if you're a couple and you're trying to

507
00:25:23,680 --> 00:25:25,720
Speaker 5: work this through, we do a lot of work in

508
00:25:25,760 --> 00:25:29,080
Speaker 5: that that idea of blending or merging accounts. Often if

509
00:25:29,280 --> 00:25:32,040
Speaker 5: people are like you, guys, were fully joint right until

510
00:25:32,600 --> 00:25:34,840
Speaker 5: you set up your separate account. But a lot of

511
00:25:34,880 --> 00:25:38,040
Speaker 5: couples that are newer will have everything separate and then

512
00:25:38,040 --> 00:25:40,920
Speaker 5: they'll join maybe one account for expenses because they're paying

513
00:25:40,920 --> 00:25:44,000
Speaker 5: the rent or the mortgage together, and then it grows

514
00:25:44,040 --> 00:25:48,200
Speaker 5: from there. But often people get stuck then. And I mean, ultimately,

515
00:25:49,040 --> 00:25:54,040
Speaker 5: the perfect the perfect result for us is often ninety

516
00:25:54,080 --> 00:25:56,240
Speaker 5: five percent of clients we do the same thing for

517
00:25:56,440 --> 00:25:58,960
Speaker 5: in terms of couples, and they end up with their

518
00:25:59,000 --> 00:26:02,680
Speaker 5: personal spinning out each but everything else is joint because

519
00:26:02,720 --> 00:26:04,919
Speaker 5: most of the time, I mean, you're planning a life together,

520
00:26:04,960 --> 00:26:06,719
Speaker 5: your goals are all joint in most cases.

521
00:26:06,760 --> 00:26:16,960
Speaker 4: Anyway, the book is called Insufficient Funds Make the right

522
00:26:17,040 --> 00:26:22,600
Speaker 4: money Decisions to bring your big plans to life. How

523
00:26:22,720 --> 00:26:26,160
Speaker 4: soon after you guys formed your company Sufficient Funds did

524
00:26:26,160 --> 00:26:27,399
Speaker 4: you decide to write the book.

525
00:26:28,359 --> 00:26:30,720
Speaker 7: Well, it's pretty much straight away, wasn't it. We kind

526
00:26:30,760 --> 00:26:33,159
Speaker 7: of had this micro goal of this will be a

527
00:26:33,200 --> 00:26:35,800
Speaker 7: little tool that will help educate clients as they come

528
00:26:35,840 --> 00:26:36,280
Speaker 7: on board.

529
00:26:36,520 --> 00:26:40,679
Speaker 6: But it kind of it morphed into a much bigger project,

530
00:26:40,680 --> 00:26:41,080
Speaker 6: didn't it.

531
00:26:41,200 --> 00:26:43,040
Speaker 5: Yeah, I did. It morphed into something that I mean

532
00:26:43,040 --> 00:26:44,840
Speaker 5: now we're super proud of it. But I mean that

533
00:26:45,320 --> 00:26:49,080
Speaker 5: idea of Insufficient Funds was from way back looking at

534
00:26:49,240 --> 00:26:53,160
Speaker 5: the ATM slips and even in our UNI days we

535
00:26:53,160 --> 00:26:56,360
Speaker 5: were selling trucker caps and T shirts to what we

536
00:26:56,440 --> 00:27:00,240
Speaker 5: thought would be our big brand, the Surf, and that

537
00:27:00,280 --> 00:27:03,000
Speaker 5: we'd sell to self for sixty million and never work

538
00:27:03,000 --> 00:27:03,520
Speaker 5: a full time.

539
00:27:04,680 --> 00:27:06,639
Speaker 3: That we all think that companies.

540
00:27:06,720 --> 00:27:09,040
Speaker 2: Yeah, yeah, and.

541
00:27:08,960 --> 00:27:10,959
Speaker 5: That didn't happen and here we are. But we were

542
00:27:11,000 --> 00:27:14,080
Speaker 5: looking back on that thinking, well, and that's where the

543
00:27:14,160 --> 00:27:16,760
Speaker 5: name sufficient Funds came from in terms of the business

544
00:27:16,840 --> 00:27:21,200
Speaker 5: was the flip side of that. It's no longer all

545
00:27:21,359 --> 00:27:24,960
Speaker 5: time and no money. It's now less time and money.

546
00:27:25,000 --> 00:27:26,600
Speaker 5: But how the hell do we bring it all together?

547
00:27:27,119 --> 00:27:29,720
Speaker 5: So the book was insufficient Funds? How do we get

548
00:27:29,720 --> 00:27:32,080
Speaker 5: to sufficient funds? And then those five kind of main

549
00:27:32,200 --> 00:27:36,320
Speaker 5: steps to take that everyone can follow to get you there?

550
00:27:36,680 --> 00:27:40,520
Speaker 1: Do you both as a couple celebrate financial milestones?

551
00:27:40,560 --> 00:27:42,960
Speaker 3: And how do you do it? If you do do that?

552
00:27:43,119 --> 00:27:45,280
Speaker 7: So we have in the past, I think we need

553
00:27:45,320 --> 00:27:45,920
Speaker 7: to do it more.

554
00:27:46,480 --> 00:27:48,120
Speaker 6: And actually I had a really good.

555
00:27:49,480 --> 00:27:52,720
Speaker 7: We've just started this new idea which I've stolen from

556
00:27:52,720 --> 00:27:55,520
Speaker 7: someone else, But it's having a bottle of wine. If

557
00:27:55,560 --> 00:27:57,520
Speaker 7: you've given a really nice bottle of wine and you

558
00:27:57,560 --> 00:27:59,760
Speaker 7: put a label on it and write your goal on it.

559
00:28:00,040 --> 00:28:04,200
Speaker 7: So my house, I want to hit this particular salary

560
00:28:04,280 --> 00:28:06,720
Speaker 7: or whatever it is, and then when you've hit that goal,

561
00:28:06,960 --> 00:28:08,240
Speaker 7: you enjoy that wine together.

562
00:28:08,880 --> 00:28:11,440
Speaker 2: I love that with the person that gave it to you.

563
00:28:12,080 --> 00:28:16,000
Speaker 3: Yeah, it's so nice. Yeah, just with you and me?

564
00:28:16,200 --> 00:28:18,080
Speaker 2: Yeah yeah yeah.

565
00:28:18,160 --> 00:28:18,200
Speaker 1: No.

566
00:28:18,600 --> 00:28:20,120
Speaker 4: The reason I said that with the person that gave

567
00:28:20,119 --> 00:28:22,480
Speaker 4: it to is I when I'm giving a bottle of wine.

568
00:28:22,520 --> 00:28:25,840
Speaker 4: I will write the person's name, gave me the bottle

569
00:28:25,840 --> 00:28:28,360
Speaker 4: of wine. And then maybe if they you know, we're

570
00:28:28,400 --> 00:28:30,560
Speaker 4: still pals to years later and they come over, I'll

571
00:28:30,560 --> 00:28:33,240
Speaker 4: pull that bottle out and go I remember this, that's

572
00:28:33,240 --> 00:28:37,159
Speaker 4: had a moment to rest. And that's always nice sharing that.

573
00:28:37,640 --> 00:28:39,280
Speaker 2: I like that saying that.

574
00:28:40,000 --> 00:28:42,160
Speaker 5: In saying that, we've probably always got bottles in the

575
00:28:42,200 --> 00:28:44,440
Speaker 5: fridge ready to go, so it doesn't have to be special.

576
00:28:44,840 --> 00:28:45,040
Speaker 2: Yeah.

577
00:28:45,200 --> 00:28:48,080
Speaker 5: Sure, if there's bubbles ready to go, I mean the

578
00:28:48,120 --> 00:28:50,400
Speaker 5: smaller milestones will crack something very quickly.

579
00:28:50,680 --> 00:28:51,400
Speaker 3: Yeah, it's nice.

580
00:28:51,440 --> 00:28:53,440
Speaker 1: It's nice to celebrate even the small ones because it

581
00:28:53,440 --> 00:28:55,240
Speaker 1: feels like you're moving in the right direction.

582
00:28:56,040 --> 00:29:02,720
Speaker 3: Okay, asking for a friend. So, say, if there was

583
00:29:02,760 --> 00:29:03,400
Speaker 3: a couple that.

584
00:29:03,440 --> 00:29:08,440
Speaker 1: Really wanted to buy a house and they basically realized

585
00:29:08,480 --> 00:29:11,200
Speaker 1: that they are of a certain age and banks don't

586
00:29:11,200 --> 00:29:14,000
Speaker 1: want to give them much of a loan because they're

587
00:29:14,040 --> 00:29:18,560
Speaker 1: of a certain age. Now, is there any advice for

588
00:29:18,640 --> 00:29:19,400
Speaker 1: those couples?

589
00:29:21,040 --> 00:29:25,880
Speaker 7: Speaking generally, James.

590
00:29:25,120 --> 00:29:30,000
Speaker 4: So, because we're not writing this down or anything.

591
00:29:30,000 --> 00:29:31,120
Speaker 5: Most of the time, I mean.

592
00:29:31,640 --> 00:29:33,680
Speaker 3: It's like our friends that need help.

593
00:29:34,760 --> 00:29:38,920
Speaker 5: So for your friends, there are the bank. Unfortunately, what

594
00:29:38,960 --> 00:29:40,840
Speaker 5: the bank does is they're looking at, hey, we're going

595
00:29:40,880 --> 00:29:43,000
Speaker 5: to lend you for a loan. We're going to we're

596
00:29:43,000 --> 00:29:44,280
Speaker 5: going to put it up for thirty.

597
00:29:44,080 --> 00:29:44,960
Speaker 3: Years, I know.

598
00:29:46,200 --> 00:29:48,600
Speaker 5: And that's the challenge they're looking at. Okay, well, where

599
00:29:48,640 --> 00:29:50,400
Speaker 5: are you at that point in time? And will you

600
00:29:50,440 --> 00:29:52,480
Speaker 5: be working? And what does that maybe look like?

601
00:29:52,720 --> 00:29:55,400
Speaker 2: Young at hand, so young at heart, fit and healthy.

602
00:29:55,560 --> 00:30:02,160
Speaker 3: Baby, you'll be mighty in thirty one we're still via

603
00:30:02,120 --> 00:30:04,040
Speaker 3: Island working, I'll be virile.

604
00:30:04,800 --> 00:30:06,360
Speaker 2: Can I be working? Bloody?

605
00:30:06,440 --> 00:30:09,560
Speaker 4: Dick Van Dyke just got nominated for a Daytime Emmy

606
00:30:09,560 --> 00:30:13,480
Speaker 4: Award and he's almost one hundred I know, so I can.

607
00:30:13,360 --> 00:30:14,520
Speaker 3: Bet beyond his own house.

608
00:30:14,920 --> 00:30:17,840
Speaker 2: It does, So go ahead, Jenny's there's.

609
00:30:17,680 --> 00:30:20,080
Speaker 5: No there's no cap on running Smooth FM.

610
00:30:20,160 --> 00:30:21,280
Speaker 2: Surely exactly.

611
00:30:21,800 --> 00:30:27,000
Speaker 5: Yes, they're looking for exit strategies and so you've got

612
00:30:27,040 --> 00:30:28,960
Speaker 5: to come up with a plan around, well, if we are,

613
00:30:29,520 --> 00:30:32,360
Speaker 5: if we're ninety and we can't we're not working and

614
00:30:32,440 --> 00:30:35,160
Speaker 5: we can't afford this. Can we pay out the loan

615
00:30:35,240 --> 00:30:39,800
Speaker 5: with superbalances other investment? Is there anything else there that

616
00:30:39,880 --> 00:30:43,160
Speaker 5: would facilitate all of that to make sure that they

617
00:30:43,160 --> 00:30:45,920
Speaker 5: don't have to sell the house. If you stop working

618
00:30:45,960 --> 00:30:50,640
Speaker 5: and stop earning, so right, if you can, yeah, if

619
00:30:50,640 --> 00:30:52,880
Speaker 5: you can, if you can drum up a proper story

620
00:30:52,920 --> 00:30:55,320
Speaker 5: around that, or if you don't, if you don't have

621
00:30:55,400 --> 00:30:57,880
Speaker 5: a good mortgage broker, well then you can talk to

622
00:30:58,000 --> 00:31:01,400
Speaker 5: us or someone else and sort that out.

623
00:31:01,680 --> 00:31:01,880
Speaker 2: See.

624
00:31:01,920 --> 00:31:07,360
Speaker 4: Also, we are so fortunate guys in that all of

625
00:31:07,400 --> 00:31:13,000
Speaker 4: our parents are still alive. And so I'm hoping. Although

626
00:31:13,040 --> 00:31:15,440
Speaker 4: my dad did say to me, because hey Bartie, I'm

627
00:31:15,440 --> 00:31:18,480
Speaker 4: spending all of your inheritance, it's.

628
00:31:18,520 --> 00:31:19,200
Speaker 2: Good on your dad.

629
00:31:19,680 --> 00:31:22,240
Speaker 3: There's also five of you, so get rid of it all.

630
00:31:22,400 --> 00:31:24,840
Speaker 4: I said, you just make your last check bounce, have fun,

631
00:31:24,960 --> 00:31:29,400
Speaker 4: you know, to go for it. And so I guess

632
00:31:29,440 --> 00:31:31,720
Speaker 4: in that, like when you talked about the transfer of

633
00:31:31,800 --> 00:31:35,720
Speaker 4: wealth that's coming, of generational wealth that is coming.

634
00:31:36,520 --> 00:31:37,040
Speaker 2: I don't know.

635
00:31:37,480 --> 00:31:41,239
Speaker 4: I'm not relying on any transformation of wealth from our

636
00:31:41,280 --> 00:31:43,600
Speaker 4: folks like I really mean it. I want them to

637
00:31:43,600 --> 00:31:47,800
Speaker 4: spend their money and have a great time. They absolutely

638
00:31:48,160 --> 00:31:51,920
Speaker 4: have worked a lifetime to enjoy.

639
00:31:51,640 --> 00:31:52,760
Speaker 2: Whatever they want.

640
00:31:53,080 --> 00:31:53,840
Speaker 3: Yeah, you know.

641
00:31:54,080 --> 00:31:59,880
Speaker 2: At the same time, oh my fuck, terrible area.

642
00:32:00,440 --> 00:32:01,720
Speaker 5: We're trying to buy hous here.

643
00:32:05,680 --> 00:32:08,680
Speaker 3: Do you have any dreams or aspirations for your future?

644
00:32:09,920 --> 00:32:14,080
Speaker 2: We're best seller, So I.

645
00:32:14,000 --> 00:32:17,880
Speaker 7: Think for us, it's really that concept of complete freedom.

646
00:32:18,120 --> 00:32:21,160
Speaker 7: So we're already kind of working towards that. So I

647
00:32:21,160 --> 00:32:23,719
Speaker 7: think that's putting all our eggs in the one basket

648
00:32:23,760 --> 00:32:26,800
Speaker 7: with the business is really a step towards that.

649
00:32:27,000 --> 00:32:29,640
Speaker 6: And then yeah, freedom of time, freedom of location.

650
00:32:32,000 --> 00:32:36,080
Speaker 5: Yeah, I mean we started we started sufficient funds remotely

651
00:32:36,480 --> 00:32:39,000
Speaker 5: and we've got a team of twenty four now and

652
00:32:39,080 --> 00:32:41,520
Speaker 5: everyone's working from home and so like it kind of

653
00:32:41,560 --> 00:32:43,280
Speaker 5: we could do it from anywhere, and that was kind

654
00:32:43,320 --> 00:32:46,760
Speaker 5: of the initial goal. But you still need the money

655
00:32:46,800 --> 00:32:49,479
Speaker 5: to support it. And I mean, because I guess what

656
00:32:49,560 --> 00:32:51,720
Speaker 5: we love is the fact that we probably don't see

657
00:32:51,720 --> 00:32:55,640
Speaker 5: ourselves selling this an anytime because if we can keep

658
00:32:55,680 --> 00:32:57,440
Speaker 5: it rolling the way it's going, it's a lot of

659
00:32:57,440 --> 00:33:00,680
Speaker 5: fun and good and we feel like we're doing good

660
00:33:00,720 --> 00:33:04,120
Speaker 5: work and we're getting results for clients, and so I mean,

661
00:33:04,200 --> 00:33:07,560
Speaker 5: ultimately it's it's just it needs to be more profitable

662
00:33:07,720 --> 00:33:10,560
Speaker 5: and support us to be able to go and do

663
00:33:10,640 --> 00:33:12,640
Speaker 5: all the fun things we want to do and probably

664
00:33:12,880 --> 00:33:16,560
Speaker 5: dial things back at some point. But yeah, complete freedom

665
00:33:16,600 --> 00:33:17,520
Speaker 5: and more adventure.

666
00:33:17,880 --> 00:33:21,160
Speaker 4: So our listener can find you online and can work

667
00:33:21,160 --> 00:33:23,440
Speaker 4: with you from anywhere, Like you said, you can you

668
00:33:23,480 --> 00:33:26,680
Speaker 4: can be remotely have meetings on Zoom and things like that.

669
00:33:27,000 --> 00:33:30,880
Speaker 5: Yeah, yeah, exactly, Yeah, everything's everything's online excellent.

670
00:33:31,040 --> 00:33:31,880
Speaker 2: That's not helpful.

671
00:33:32,680 --> 00:33:36,840
Speaker 1: And you guys have got three it's three kids, two kids,

672
00:33:36,880 --> 00:33:37,520
Speaker 1: two kids?

673
00:33:38,000 --> 00:33:39,440
Speaker 3: So are you already?

674
00:33:39,560 --> 00:33:40,160
Speaker 2: How old are they?

675
00:33:40,600 --> 00:33:42,800
Speaker 6: Seven? And just about to be six on the weekend?

676
00:33:43,160 --> 00:33:47,600
Speaker 1: Ah, happy birthday? Just about to be six. So you

677
00:33:48,120 --> 00:33:51,960
Speaker 1: they're lucky kids because you will know how to assist

678
00:33:52,000 --> 00:33:56,360
Speaker 1: them from an early age. I would imagine money wise,

679
00:33:56,400 --> 00:33:58,960
Speaker 1: because that was something love my parents.

680
00:33:59,040 --> 00:34:00,800
Speaker 3: But they had to that.

681
00:34:00,760 --> 00:34:03,680
Speaker 1: Like all the things like I owned my own apartment

682
00:34:03,720 --> 00:34:07,000
Speaker 1: when I was nineteen years old. Now if someone had

683
00:34:07,000 --> 00:34:10,000
Speaker 1: to said keep the apartment because I had no reason

684
00:34:10,040 --> 00:34:13,000
Speaker 1: to sell it. If someone had is it, just keep it,

685
00:34:13,120 --> 00:34:15,560
Speaker 1: we would be in a really good.

686
00:34:15,360 --> 00:34:16,840
Speaker 2: Position, very different position.

687
00:34:17,200 --> 00:34:19,319
Speaker 1: Like there's so many things that, like you look back on,

688
00:34:19,400 --> 00:34:21,200
Speaker 1: but you guys know that already.

689
00:34:21,280 --> 00:34:24,520
Speaker 3: So your kids are going to be super money smart.

690
00:34:25,360 --> 00:34:29,040
Speaker 5: We just we just make them negotiate on jobs and

691
00:34:29,840 --> 00:34:32,000
Speaker 5: have the money if they Yeah, I mean, I guess

692
00:34:32,040 --> 00:34:37,920
Speaker 5: the skills, it's skills. I think I think the sales

693
00:34:37,960 --> 00:34:40,600
Speaker 5: skills is probably more important or as important as the

694
00:34:40,600 --> 00:34:43,120
Speaker 5: money skills is being able to have conversations with people,

695
00:34:43,160 --> 00:34:45,480
Speaker 5: and so yeah, we I mean we do it.

696
00:34:45,600 --> 00:34:45,920
Speaker 7: We do.

697
00:34:46,120 --> 00:34:49,759
Speaker 5: We do the savings, the jars and all of that

698
00:34:49,800 --> 00:34:52,239
Speaker 5: side of things. And we don't like, we try not

699
00:34:52,320 --> 00:34:54,640
Speaker 5: to reward everything. Because you live in our house. You've

700
00:34:54,640 --> 00:34:57,360
Speaker 5: got to do some stuff, you got to help out. Yeah,

701
00:34:57,480 --> 00:35:00,560
Speaker 5: but but yeah, I mean, at a line, our daughter

702
00:35:00,640 --> 00:35:04,080
Speaker 5: will come to us with a bunch of unfolded towers

703
00:35:04,120 --> 00:35:06,640
Speaker 5: and go, hey, I'll follow these for a dollar.

704
00:35:08,880 --> 00:35:14,880
Speaker 1: All right, right, Yeah, she's a good negotiator. And do

705
00:35:14,880 --> 00:35:17,160
Speaker 1: you think it's ever too young to learn about sort

706
00:35:17,160 --> 00:35:20,160
Speaker 1: of the value of savings and you know, understanding that

707
00:35:20,200 --> 00:35:20,880
Speaker 1: side of things.

708
00:35:21,480 --> 00:35:22,080
Speaker 6: I don't think so.

709
00:35:22,200 --> 00:35:24,960
Speaker 7: I think so many people miss out on even the

710
00:35:25,040 --> 00:35:28,879
Speaker 7: language just communicating about money. So I think, yeah, it's

711
00:35:28,920 --> 00:35:29,520
Speaker 7: never too young.

712
00:35:29,680 --> 00:35:31,920
Speaker 2: Yeah, great, All right, guys.

713
00:35:32,640 --> 00:35:36,160
Speaker 4: The book is Insufficient Funds Make the Right Money Decisions

714
00:35:36,200 --> 00:35:40,440
Speaker 4: to bring your big plans to life. It's available in

715
00:35:40,520 --> 00:35:42,239
Speaker 4: all good bookstores.

716
00:35:42,920 --> 00:35:44,680
Speaker 5: Yeah, yeah, online as well.

717
00:35:45,080 --> 00:35:49,400
Speaker 4: Okay, excellent, And you are at Sufficient Funds dot com

718
00:35:49,520 --> 00:35:50,160
Speaker 4: dot au.

719
00:35:50,440 --> 00:35:51,160
Speaker 5: That's the one.

720
00:35:51,520 --> 00:35:52,759
Speaker 2: That's the one. All right.

721
00:35:52,840 --> 00:35:55,000
Speaker 4: Before we're going to let you go, we're just going

722
00:35:55,080 --> 00:35:56,720
Speaker 4: to hop into the shower for two minutes.

723
00:36:03,800 --> 00:36:08,360
Speaker 2: We want you to answer these questions. Yeah, money shower.

724
00:36:09,480 --> 00:36:13,440
Speaker 1: You might stay in now longer if it's some money exactly.

725
00:36:13,880 --> 00:36:16,680
Speaker 4: So just we want you to both answer the question

726
00:36:17,840 --> 00:36:19,160
Speaker 4: with an economy of water.

727
00:36:19,239 --> 00:36:23,960
Speaker 2: Please. What's the most adorable habit you love about each other?

728
00:36:25,160 --> 00:36:30,880
Speaker 5: Tash is talking in her sleep. Oh yeah, nice, and

729
00:36:30,920 --> 00:36:31,760
Speaker 5: all the stories.

730
00:36:34,719 --> 00:36:36,960
Speaker 7: Oh gosh, it's really help for me to decide one

731
00:36:36,960 --> 00:36:39,200
Speaker 7: about you. I think when James gets an idea, he

732
00:36:39,239 --> 00:36:41,799
Speaker 7: obsesses about it, So I do like to call him

733
00:36:41,840 --> 00:36:46,080
Speaker 7: obsess so and he'll just yeah, he gets down a

734
00:36:46,120 --> 00:36:47,719
Speaker 7: path and just runs for it.

735
00:36:47,800 --> 00:36:49,959
Speaker 6: So it's much. I think it's a double edged sword though.

736
00:36:50,960 --> 00:36:51,400
Speaker 2: I love it.

737
00:36:51,400 --> 00:36:55,560
Speaker 1: That sounds like a superpower obsess So is there a

738
00:36:55,640 --> 00:36:59,000
Speaker 1: favorite moment that you would love to relive with each other?

739
00:36:59,719 --> 00:37:04,560
Speaker 5: Yeah? The West Coast. We did a like a winner

740
00:37:04,680 --> 00:37:08,920
Speaker 5: Bago trip down the west coast of the States. Oh nice,

741
00:37:09,400 --> 00:37:13,640
Speaker 5: about a decade ago? Yeah, many kids? That was fun.

742
00:37:13,880 --> 00:37:14,279
Speaker 8: Where we.

743
00:37:16,040 --> 00:37:17,560
Speaker 5: So we did a couple of days in Vegas. Then

744
00:37:17,600 --> 00:37:19,799
Speaker 5: we flew up to Seattle and drove from Seattle all

745
00:37:19,840 --> 00:37:22,480
Speaker 5: the way down. We took the Winner Bago as far

746
00:37:22,520 --> 00:37:25,440
Speaker 5: as I think we did. We go into Yosemite. We

747
00:37:25,440 --> 00:37:28,279
Speaker 5: did smite and then San France dumped it there and

748
00:37:28,320 --> 00:37:33,040
Speaker 5: got a I think we got a Mustang after that, did.

749
00:37:32,880 --> 00:37:34,280
Speaker 6: The Mustang around Napper.

750
00:37:34,600 --> 00:37:39,759
Speaker 3: Yeah, what a great trip. Yeah that wash How to

751
00:37:39,760 --> 00:37:41,919
Speaker 3: beat that? Now you can choose the same.

752
00:37:43,080 --> 00:37:43,920
Speaker 6: So the other one I.

753
00:37:43,960 --> 00:37:48,640
Speaker 7: Would say is we did a bike trip where we

754
00:37:48,880 --> 00:37:51,960
Speaker 7: rode a bike. We rode mountain bikes, a cross country

755
00:37:51,960 --> 00:37:56,480
Speaker 7: mountain biking from Luang Prabang in Lao to Hanoi in Vietnam.

756
00:37:57,160 --> 00:38:00,279
Speaker 7: And there was a point in that trip we we

757
00:38:00,320 --> 00:38:02,640
Speaker 7: often say we're having a really hard day or a

758
00:38:02,640 --> 00:38:05,600
Speaker 7: really hard moment, we say we're fou lowing. We had

759
00:38:05,640 --> 00:38:07,920
Speaker 7: to climb this hill, this mountain that was just like

760
00:38:08,239 --> 00:38:11,439
Speaker 7: ridiculous and we were definitely not fit enough for it,

761
00:38:11,960 --> 00:38:13,239
Speaker 7: but we got to the.

762
00:38:13,120 --> 00:38:14,360
Speaker 6: Top and I think nice.

763
00:38:15,440 --> 00:38:16,240
Speaker 5: It was six.

764
00:38:17,600 --> 00:38:21,920
Speaker 3: And it wasn't an electric pace, no, and.

765
00:38:21,880 --> 00:38:25,600
Speaker 5: It was like we we booked this group trip and

766
00:38:25,719 --> 00:38:27,600
Speaker 5: I don't want to really, guy was going to tour

767
00:38:28,600 --> 00:38:30,560
Speaker 5: it was the hottest We didn't realize, we didn't do

768
00:38:30,560 --> 00:38:33,399
Speaker 5: any research. We just booked this group trip and no

769
00:38:33,440 --> 00:38:35,640
Speaker 5: one was on it except us. So we got this

770
00:38:35,719 --> 00:38:39,920
Speaker 5: private tour because because it was the hottest time of

771
00:38:40,000 --> 00:38:41,720
Speaker 5: year and it was also the time, so it's forty

772
00:38:41,719 --> 00:38:45,600
Speaker 5: degrees every day. And the guys that they do this

773
00:38:45,880 --> 00:38:48,600
Speaker 5: thing they call slash and burning, where this one month

774
00:38:48,680 --> 00:38:51,640
Speaker 5: of the year they just burn all their crops. And

775
00:38:51,880 --> 00:38:58,600
Speaker 5: so we're riding along in forty degrees just making inhaling.

776
00:38:58,920 --> 00:39:06,760
Speaker 1: Just to add to the fun, the six k uphill.

777
00:39:05,920 --> 00:39:08,200
Speaker 5: Was above the smoke.

778
00:39:08,520 --> 00:39:09,319
Speaker 3: Yeah, there you go.

779
00:39:10,440 --> 00:39:14,719
Speaker 2: Well, all right, what the world needs now is patience.

780
00:39:14,800 --> 00:39:18,160
Speaker 5: I think you want elaborate No, she.

781
00:39:18,120 --> 00:39:21,680
Speaker 2: Said, that's good. Patients is good in the water. We're

782
00:39:22,120 --> 00:39:23,320
Speaker 2: conserving water here.

783
00:39:23,760 --> 00:39:28,560
Speaker 5: An ability to bite their tongue when we're going to

784
00:39:28,600 --> 00:39:31,919
Speaker 5: say something silly, and that as everyone else.

785
00:39:32,239 --> 00:39:37,879
Speaker 1: Yeah, okay, yeah, last question. One word to describe each other.

786
00:39:39,160 --> 00:39:50,520
Speaker 8: Resilient, determined, Yeah, beautiful, great, beautiful, James and Tash.

787
00:39:50,760 --> 00:39:53,880
Speaker 4: We've got some friends that we know are going to

788
00:39:53,880 --> 00:39:56,440
Speaker 4: be calling you.

789
00:39:56,560 --> 00:39:59,759
Speaker 2: Yeah, and that is really good.

790
00:40:00,040 --> 00:40:04,120
Speaker 4: And I'm sure our listener has had their ears peaked

791
00:40:04,160 --> 00:40:07,920
Speaker 4: as well, or certainly their wallets or their bank accounts correct.

792
00:40:08,160 --> 00:40:10,440
Speaker 2: With what you have to offer. So thanks so much

793
00:40:10,480 --> 00:40:11,400
Speaker 2: for being with us today.

794
00:40:12,480 --> 00:40:15,880
Speaker 7: Thanks Cameron, Ali, thanks a lot, Thanks for your time.

795
00:40:16,200 --> 00:40:18,880
Speaker 3: Yeah, pleasure their book.

796
00:40:18,960 --> 00:40:21,759
Speaker 1: As we were saying before, I have started reading it,

797
00:40:22,640 --> 00:40:28,759
Speaker 1: and it really is a readable finance like I am.

798
00:40:28,960 --> 00:40:30,960
Speaker 3: I don't know any of the lingo. I don't know.

799
00:40:31,160 --> 00:40:36,360
Speaker 1: I was so little about finance. But yeah, they've just

800
00:40:37,080 --> 00:40:40,279
Speaker 1: written it in a very easy to read, you know,

801
00:40:40,719 --> 00:40:45,480
Speaker 1: set out well, great way, and it's I'm really enjoying it.

802
00:40:45,640 --> 00:40:47,120
Speaker 2: How often are you reading it? Are you reading it

803
00:40:47,160 --> 00:40:48,239
Speaker 2: every day? Every day?

804
00:40:48,320 --> 00:40:51,440
Speaker 1: Or no? No, just when I when I see it,

805
00:40:51,480 --> 00:40:53,640
Speaker 1: I'm like ah, because I actually started reading it a

806
00:40:53,680 --> 00:40:56,520
Speaker 1: lot and then I got life took over for a

807
00:40:56,520 --> 00:40:58,560
Speaker 1: little bit. But I've picked it up again.

808
00:40:58,880 --> 00:41:01,920
Speaker 2: And as alter picking it up, have you made any changes?

809
00:41:02,440 --> 00:41:07,799
Speaker 1: No, okay, yeah no, I'm just ingesting the information. But

810
00:41:08,000 --> 00:41:10,160
Speaker 1: what I what I want to do is actually talk

811
00:41:10,200 --> 00:41:13,239
Speaker 1: to them in person and just see how they can,

812
00:41:13,880 --> 00:41:18,200
Speaker 1: you know, assist us in reorganizing our life.

813
00:41:18,480 --> 00:41:19,560
Speaker 2: Were you talking about us?

814
00:41:20,080 --> 00:41:22,799
Speaker 1: No? No, no, just the friends can go first and

815
00:41:22,840 --> 00:41:24,399
Speaker 1: they can oh yeah, then.

816
00:41:24,320 --> 00:41:29,040
Speaker 2: We'll go after good thought. Yeah, all right, it's good

817
00:41:29,080 --> 00:41:30,719
Speaker 2: to know. I'm going to give too much of our

818
00:41:30,719 --> 00:41:34,080
Speaker 2: personal life away here. Yeah, we can sneak around in

819
00:41:34,120 --> 00:41:35,000
Speaker 2: the bathroom forever.

820
00:41:35,680 --> 00:41:38,480
Speaker 3: Oh my god. All right, we're going to leave you.

821
00:41:40,360 --> 00:41:42,479
Speaker 2: Thanks for being with us until soon.

822
00:41:42,680 --> 00:41:43,080
Speaker 6: Take care