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Speaker 1: Hello and welcome to the heart of it. We are

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Speaker 1: recording on gadigal Land.

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Speaker 2: He cam daddo, OHI honey, this is I'm inspired by

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Speaker 2: the chat that we just had.

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Speaker 3: I can tell.

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Speaker 2: Yeah, Queenie Tan and Pablo Bezini with what a great name,

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Speaker 2: I know, and you think he's going to be Spanish,

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Speaker 2: but he's actually French.

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Speaker 3: He's a french Man.

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Speaker 2: Yeah. Queenie is one of Australia's most beloved financial educators

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Speaker 2: and she's known for making money management relatable, joyful, and

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Speaker 2: she really does because she makes creating wealth feel attainable.

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Speaker 1: Yes, like she's just so, she's super humble, she's super

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Speaker 1: ready to help you. They've got a platform called Invest

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Speaker 1: with Queenie. Now we'll talk about that. You'll hear about that.

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Speaker 1: She's got a book called the fun Fance Formula. There's

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Speaker 1: an app that like the two of them create.

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Speaker 2: They're working together. Yeah, there's a lot. So if you

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Speaker 2: can grab a notebook because she's using things like terms

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Speaker 2: like EFT or ETF brother I had to write it

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Speaker 2: down and yeah, it's different ways to invest that are

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Speaker 2: really simple, and she's got a terrific formula. And this

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Speaker 2: is really amazing.

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Speaker 1: And if you've got young sort of teenage, young young

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Speaker 1: adults in the house with you, she's got a lot

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Speaker 1: of great information for them as well.

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Speaker 2: So have a listen, enjoy, Queenie Pablo, welcome you guys

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Speaker 2: to the studio, which is fantastic having you here in person.

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Speaker 4: Thanks for having us, Thank you for having us.

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Speaker 3: It's a pleasure. It's a pleasure.

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Speaker 2: Now. Yours is a love story of the Modern Age.

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Speaker 2: Tell us how you met? Please? What's the what's the story?

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Speaker 5: Do you want to go published?

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Speaker 4: Really?

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Speaker 6: The Morning Age? Because it was online? Yes, so it

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Speaker 6: was eleven ten years ago, like on Tinder.

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Speaker 2: On Tinder, yes, so you're cutting edge already because it's

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Speaker 2: ten years ago. Was pretty new.

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Speaker 4: Then, it was new in Australia.

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Speaker 2: Okay.

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Speaker 6: Yeah, So I arrived from France eleven years ago and

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Speaker 6: six months after I met Queeney directly on Tinder. So

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Speaker 6: I was like, just you know, looking for meeting people,

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Speaker 6: and I guess you were too, and then yeah, we

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Speaker 6: met the first time. It was probably funny first date.

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Speaker 2: Okay, Queeny, tell us about the first day.

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Speaker 7: Well, yeah, it's interesting because actually Tinder was very new.

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Speaker 7: It was the only dating app, like kind of at

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Speaker 7: the time, so they didn't have hint, they didn't have bumble,

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Speaker 7: so that was like the only thing that people were

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Speaker 7: using back then. And yeah, I was a bit scared because,

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Speaker 7: like my auntie was like my own parents are like,

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Speaker 7: my gosh, what if you meet a serial killer, Like it's.

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Speaker 5: A bit scary.

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Speaker 2: Like how old you were?

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Speaker 7: I was nineteen, so yeah, I was really young. But

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Speaker 7: we met in like a public place, we like it

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Speaker 7: ended up being quite delayed because Pablo needed to help

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Speaker 7: some friends and we just got coffee afterwards, and yeah,

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Speaker 7: the rest is history. And I think it's it's funny,

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Speaker 7: like looking back at that, it's the longest relationship that

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Speaker 7: either of I've either of us have been in like

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Speaker 7: over ten years now, and we met so young, but

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Speaker 7: I've realized, like looking back, we had so much in

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Speaker 7: common and maybe you don't realize it at the time,

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Speaker 7: like why you might connect to certain people and why

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Speaker 7: you know you don't connect to others. And yeah, that's

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Speaker 7: been really interesting.

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Speaker 3: I'm so glad that it's worked out.

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Speaker 1: I mean, you do hear a lot of success stories

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Speaker 1: from the online and we've got two dear friends marriage

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Speaker 1: their online partners and our daughter and our son are

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Speaker 1: actually with their long term relationships through online. I mean,

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Speaker 1: you hear some horror stories too. But and for you, Pablo,

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Speaker 1: were you just here like for a holiday and then

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Speaker 1: you met Queenie or were you immigrating here?

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Speaker 6: So I was on a working holiday visa, so basically

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Speaker 6: it's like a one year visa, and I was working

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Speaker 6: like my first six months yea, and then that's when

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Speaker 6: I was like, I met Queenie. But after a couple

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Speaker 6: of months, I needed to leave the country because I

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Speaker 6: could not reknew the visa. And so in between visa,

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Speaker 6: we had to go on our first overseas holiday and

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Speaker 6: we went to Buddy and we did not have that

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Speaker 6: much money. But back then I was ten years ago,

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Speaker 6: so it was not too expensive. But we were like

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Speaker 6: just struggling. And you know, Queener really like you know,

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Speaker 6: be lived into to me, I guess at the time.

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Speaker 6: And you know, even though I had no money, we

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Speaker 6: had no money. But we came back together and I

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Speaker 6: was really nice that she you know, believed. And then

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Speaker 6: after that I needed to get a visa and we

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Speaker 6: stayed into this like a shed house in Eskinville, and

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Speaker 6: that was a really old house. We had like roommates

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Speaker 6: and like a dog that was eating all our furniture.

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Speaker 2: Really it was really your dog or someone else's dog.

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Speaker 7: Like you leave anything on the ground, it's gone, teeth

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Speaker 7: marks in like bike helmets.

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Speaker 5: It was like intense.

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Speaker 7: I remember one night I got up in the middle

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Speaker 7: of the night to pee, like I like stepped on

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Speaker 7: something wet. I was like, what is that a bit

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Speaker 7: wet and cold? And I turned on the lights and

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Speaker 7: there was like a chicken breast, like a chicken.

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Speaker 5: Breast, it was just on the floor. I was like, oh, kind.

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Speaker 8: Of go out and do that shared house in the

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Speaker 8: young ages, like.

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Speaker 3: That's what you can.

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Speaker 2: Clearly you had a couple of things going for you.

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Speaker 2: She knew you were kind because your date was was

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Speaker 2: held up because you were helping other people. Plus plus

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Speaker 2: you're a handsome fellow. Thank you. Were you? Were you

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Speaker 2: when you came over for work? Was that? Are you

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Speaker 2: still in the same business? Was it? Was it still?

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Speaker 2: I mean, I see I've saw your Instagram and there

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Speaker 2: you are helping us out with us cap cut editors

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Speaker 2: editors doing cap cut hacks, which I found really helpful.

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Speaker 2: By the way, are you still doing were you doing that?

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Speaker 2: Is that what you did to come out here? What

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Speaker 2: were you doing?

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Speaker 6: So basically, when I came here, it was an internship

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Speaker 6: and I was doing more into like a business and analysis.

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Speaker 6: And then after that I did like a few jobs

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Speaker 6: here and there too. I was like on a student visit,

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Speaker 6: so working part time or studying part time and then

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Speaker 6: working like the odds of hours. And then after that

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Speaker 6: I was able to find a job more into the

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Speaker 6: startup into doing digital marketing, and they got me that

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Speaker 6: that got me my first visa, so you know, like

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Speaker 6: after the working on their visa is only one year,

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Speaker 6: but then after that it was like two or three

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Speaker 6: years with the company. But I was under the company,

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Speaker 6: so I had to stay working with them to have

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Speaker 6: the visa, and we stayed with quenneyvious ship. But then

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Speaker 6: I had like kind of the entrepreneurship in myself because

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Speaker 6: my mom is also entrepreneurship, has her own business, and

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Speaker 6: I wanted to start something. And then that's when I

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Speaker 6: started the company with my friend, a digital marketing agency.

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Speaker 6: And then but for this I needed a visa and

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Speaker 6: that was maybe like three four years into a relationship,

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Speaker 6: and so we decided to do a partnership visa and

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Speaker 6: Qunel was still very young at the time, and I

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Speaker 6: guess all her family is like, oh, maybe you know,

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Speaker 6: he's just with you the visa, this and.

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Speaker 2: That, like a de facto kind of exactly.

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Speaker 6: The factor Issa, because I was the only way to

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Speaker 6: get to start the new business and to stay for

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Speaker 6: myself in Australia. But then we did that business and

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Speaker 6: it worked quite well until like COVID and we're still together.

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Speaker 2: And now you're an Australian citizen. I am congratulations.

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Speaker 1: One year now, fantastic, And you've got your beautiful baby girl.

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Speaker 3: Yeah, tell us a little bit about her.

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Speaker 7: Oh, she's so cute. She's I think that I can

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Speaker 7: really see her personality coming out, even though she can't

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Speaker 7: really talk yet. She says a few words, but I

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Speaker 7: think she's quite adaptable to new situations, like she's.

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Speaker 5: She's really good, but she's also.

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Speaker 7: Very like stubborn, like she wants what she wants and

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Speaker 7: if she doesn't get it, she gets really upset.

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Speaker 3: Sounds like a true toddler.

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Speaker 1: Are you speaking French to her, Pabla?

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Speaker 6: Yes, yes, I tried to speak as much as I

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Speaker 6: can in French. We read French books and we also

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Speaker 6: found like a French school for her to go later on. Yeah,

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Speaker 6: so hopefully you know she can get her round. Then

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Speaker 6: maybe he moved to France for a few years.

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Speaker 2: Well to see, right, are your folks still over there?

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Speaker 4: My mom and she would move to Italy when she retires.

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Speaker 2: I see, I see, Queenie. Tell us a little bit

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Speaker 2: about your background.

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Speaker 7: Oh okay, So I was born in Australia. I had

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Speaker 7: like a very interesting relationship. Like I guess, my parents

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Speaker 7: have taught me a lot. They divorced when I was

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Speaker 7: quite young, and they were very different, the very different

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Speaker 7: approaches to money, which I think I've realized is what

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Speaker 7: has shaped me and made me go into the career

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Speaker 7: that I'm in now. But my dad is like he

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Speaker 7: made he raised me on his own for most of

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Speaker 7: my childhood. He's a Malaysian Chinese immigrant. Super frugal, like

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Speaker 7: the most frugal money smart person you've ever met. Like

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Speaker 7: he for example, like he would like hoard McDonald's napkins

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Speaker 7: because I used.

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Speaker 5: To work at McDonald's.

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Speaker 7: So when he would pick me up, he like, take

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Speaker 7: all the napkins and like he still has them, he

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Speaker 7: still has them, he still uses them.

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Speaker 2: I was using them yeah, okay, so then I'm just

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Speaker 2: sitting there in a shoe box.

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Speaker 5: Oh my gosh. Yeah, so many things.

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Speaker 7: And but my mom was very different with money, and

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Speaker 7: she is Australian way back, way way back, Irish Scottish rouths,

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Speaker 7: so very different approach to money. And she whenever she

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Speaker 7: would come to visit us, because she would stay with

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Speaker 7: us from time to time, Like she would be comfortable

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Speaker 7: putting on the heating during winter if it was like cold,

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Speaker 7: but my dad would get really upset because it was expensive.

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Speaker 7: And just these two like they used to fight all

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Speaker 7: the time about money, and like I always thought, like

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Speaker 7: why are they fighting about this? Like I could see

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Speaker 7: both sides because both have a point. It's good to save,

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Speaker 7: it's also good to enjoy, and like sometimes it's okay

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Speaker 7: to spend. So yeah, I guess that that background and

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Speaker 7: those two approaches to money have really like shaped me

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Speaker 7: as a person.

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Speaker 2: That was that the thing that thought about it that

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Speaker 2: you remember they thought about the most was that money

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Speaker 2: and that was sort of like what piqued your interest

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Speaker 2: into it? Do you think?

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Speaker 7: Yeah, I think looking back now, it definitely was. And

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Speaker 7: I think that we all have these like childhood experiences

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Speaker 7: and they kind of go over our head and later

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Speaker 7: we realize, like, oh my gosh, that was.

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Speaker 5: The thing that was like the deeper rooms exactly.

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Speaker 8: Yeah, Were you are a Wisbang math student as well?

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Speaker 5: I wish I could say I was.

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Speaker 7: I think I was, like I kind of only really

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Speaker 7: tried to study smart subjects because I felt like that

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Speaker 7: was what the smart kids did. But I didn't really

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Speaker 7: enjoy like doing like the hard maths, and like, you know,

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Speaker 7: I feel like, yeah, it's funny sometimes you feel like

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Speaker 7: you have to do certain things when it doesn't really

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Speaker 7: you don't enjoy it. So I think once I realized,

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Speaker 7: just do what you enjoy, and yeah, everything else follows.

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Speaker 1: Looking back, now you know you're in the financial world.

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Speaker 1: You you know, you've got your book, The Fun Finance

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Speaker 1: Formula How to Transform Money Management into an empowering and

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Speaker 1: joyful Experience.

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Speaker 3: I love that.

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Speaker 1: Do you feel that we are doing a disservice to

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Speaker 1: our kids by not teaching them about like basic how

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Speaker 1: to live in the real world economics?

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Speaker 7: H I think that everyone has their own approaches, and

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Speaker 7: it's not necessarily people's fault because maybe some people didn't

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Speaker 7: grow up with that money education either, and I think

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Speaker 7: people are still figuring it out. But I think when

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Speaker 7: I'm trying to teach my daughter, when I actually can

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Speaker 7: teach her lessons, I would love. I can't wait to

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Speaker 7: do it as soon as possible. So I want to

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Speaker 7: have like a few maybe activities around the house that

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Speaker 7: she can get paid for, not everything, because I feel.

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Speaker 2: Like has she got it like a pram epicus?

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Speaker 7: Yes, I feel like maybe a few activities could be paid.

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Speaker 7: She can learn learn what it's like to earn money,

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Speaker 7: but not everything, because I didn't want to teach her that,

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Speaker 7: you know, in order to she can't contribute to the

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Speaker 7: household without being paid.

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Speaker 5: Does that makes sense?

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Speaker 1: Just my kids always talk about my kids, our kids.

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Speaker 3: Sorry, it looks like when.

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Speaker 1: I do that, my my secret kids.

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Speaker 3: They always talk about I wish.

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Speaker 1: That my school, our school taught us about how to

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Speaker 1: do our taxes, how to do a budget, how to

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Speaker 1: save for this, how to what does a mortgage mean?

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Speaker 3: What is an offset?

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Speaker 7: Like?

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Speaker 1: That's the that's the math that they wish that they

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Speaker 1: were taught.

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Speaker 3: You were you weren't taught that in school? Were you? Yeah?

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Speaker 7: It's like, yeah, there are so many useful things that

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Speaker 7: were not taught yeah, and it's like and then it

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Speaker 7: kind of falls back on parents to teach their kids.

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Speaker 7: But then that might not be the top of the

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Speaker 7: list of priorities to teach their.

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Speaker 2: Kids now, No, No, And our financial state was it

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Speaker 2: was so up and down. Sometimes sometimes we were we

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Speaker 2: had pots of money, you know.

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Speaker 7: No.

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Speaker 2: Other times it was just like bleak. But I reckon

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Speaker 2: your dad was smart stealing McDonald's nap because they're full

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Speaker 2: of preservatives, so of course they're going to last longer.

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Speaker 2: And oh my god, wouldn't it French fries, Big Max napkins.

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Speaker 3: We went on.

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Speaker 1: We had this famous holiday where we had we were

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Speaker 1: so unbelievably broke and we were asked to do like

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Speaker 1: a little story for an Australian travel magazine to go

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Speaker 1: to Hawaii. Is when we were living in la to

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Speaker 1: go to Hawaii. They said, look, we will pay for

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Speaker 1: your accommodation, but that's all we can pay for.

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Speaker 3: And we were like, oh my god.

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Speaker 8: It was getting us back to Australia as well.

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Speaker 1: Okay, so holiday and a holiday which we have not

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Speaker 1: had for years. And I think we had literally about

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Speaker 1: six hundred seven hundred dollars in the bank and we

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Speaker 1: went we went to Hawaii and the hotel we were

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Speaker 1: staying at they had happy hour, and at happy hour

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Speaker 1: there was like free crackers and cheese.

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Speaker 8: And fruit available.

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Speaker 1: So at five o'clock the five of us had to

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Speaker 1: go down and that was our dinner and we had

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Speaker 1: to pack it.

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Speaker 8: Cams like, grab as much of the fruit as you can.

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Speaker 1: Breakfast the next day we're like, another piece of cheese,

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Speaker 1: grabbed the pickles.

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Speaker 8: This is it, kids, this is it.

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Speaker 1: I remember we would like we went and we drove

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Speaker 1: up the North coast one day, you know, on the

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Speaker 1: North Shore, and were like we shared a piece of corn.

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Speaker 3: We had one smoothie.

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Speaker 2: Yeah, well there wasn't reason. Actually, can I tell you this.

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Speaker 2: There was a reason for this is because we had

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Speaker 2: got we'd cut up our credit cards. And you will

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Speaker 2: understand this coiny probably you will too. We had to

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Speaker 2: cut we we had to cut our credit cards up,

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Speaker 2: so we were using debit cards. And as Ali said,

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Speaker 2: we had about six hundred bucks in the bank. When

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Speaker 2: we got to the hotel, they wanted us to put

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Speaker 2: down a card as a deposit. Now the deposit took

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Speaker 2: from our account, so it took our six hundred dollars.

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Speaker 2: No or it took like maybe you know, like ninety

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Speaker 2: percent of our money, so we were left with like

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Speaker 2: one hundred and fifty bucks or something, and that's what

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Speaker 2: we had to use. And I'm like, they've taken the deposit.

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Speaker 2: We'll get it back in two weeks. It's like that

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Speaker 2: fat lot of goods that that's going to do us

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Speaker 2: in the next five days while we're here. So it

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Speaker 2: was an absolute necessity to hit the five o'clock happy.

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Speaker 8: Hour'sese you hadn't.

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Speaker 5: I mean, that's pretty good.

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Speaker 2: It was very fortunate, your famous Queenie for turning zero

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Speaker 2: zero dollars at nineteen into one million dollars in net

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Speaker 2: worth inside of a decade.

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Speaker 8: Fifty five and sixty.

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Speaker 2: Ye and then but Pablo, you just said that, you know,

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Speaker 2: you were lucky because you started early. What about someone

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Speaker 2: who's starting from scratch today.

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Speaker 7: I think it's definitely still possible, because it's like you

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Speaker 7: think that it's going to take a really long time.

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Speaker 7: And I think the crazy thing about wealth is like

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Speaker 7: the hardest part is literally the start, like literally going

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Speaker 7: from zero to ten thousand dollars.

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Speaker 5: Like that is the hardest it will ever.

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Speaker 7: Be, you know, And I think some people when they're

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Speaker 7: putting this money aside, maybe they start investing their first

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Speaker 7: say one hundred dollars or one thousand dollars, and they

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Speaker 7: think that it's just always going to.

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Speaker 5: Be that hard.

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Speaker 7: It's not like I think that's the crazy thing about it.

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Speaker 7: It's like really compounds and so yeah, if you feel disheardened,

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Speaker 7: it's just taking way too long. It actually doesn't take

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Speaker 7: that long once you get started, Like there's this crazy start.

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Speaker 7: Once you reach your first one hundred thousand dollars, you're

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Speaker 7: actually already one third of the way to a million dollars.

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Speaker 7: And I know that sounds strange because you're like one

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Speaker 7: hundred thousand times ten, that's that's a million. So wouldn't

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Speaker 7: you be only ten percent of the way to a million?

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Speaker 7: How are you one third of the way till million dollars?

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Speaker 7: And it's because of compound interest, and basically the more

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Speaker 7: money you have invested, the faster your money starts growing.

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Speaker 7: So the hardest part is the beginning from zero to

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Speaker 7: ten thousand or zero to one hundred thousand, and then

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Speaker 7: the rest it just gets easier. Like if you have

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Speaker 7: a look at any compound interest graph, you'll see that

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Speaker 7: it's like a hockey stick. You know, it's not like

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Speaker 7: a linear kind of thing. You think that you just

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Speaker 7: it happens linearly, but it's not. It's like it's a

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Speaker 7: hockey stick. So yeah, just keep that in mind.

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Speaker 1: How did you know who what we're to invest? Like,

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Speaker 1: did you do a huge amount of study on it

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Speaker 1: or how did you know the right things to invest in?

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Speaker 5: I guess it was a bit of like trial and error.

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Speaker 7: And also I was very lucky because my dad was

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Speaker 7: very financially like savvy, like as you remember, he was

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Speaker 7: really frugal, but also he knew how to invest as

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Speaker 7: well because he actually he raised me as a single parent,

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Speaker 7: similar to Pablo's mom. But it was different because he

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Speaker 7: actually had retired early, so he managed to put some

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Speaker 7: money aside in his investments and he had passive income.

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Speaker 7: But it was weird because growing up I never felt

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Speaker 7: like we were rich, Like it really wasn't. We weren't

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Speaker 7: living like a crazy lifestyle. Like I grew up in

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Speaker 7: a very modest area. We didn't have a fancy house.

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Speaker 7: I went to public schools. He drove a really old car,

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Speaker 7: so it wasn't like I felt like, yeah, we're living

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Speaker 7: this high life, but we were never really struggling, Like

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Speaker 7: he always had money to pay for them we needed.

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Speaker 7: And it was just a light bulb moment for me that, like,

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Speaker 7: you actually don't need to work to earn money, Like

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Speaker 7: there are other ways you can earn money passively through investing.

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Speaker 7: So yeah, at first I was like rejecting my dad's idea,

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Speaker 7: like this is too extreme, he's too frugal.

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Speaker 5: But once I started working, I.

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Speaker 7: Was like, ahhah, this is what my dad didn't like doing,

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Speaker 7: and this is why he tried to build freedom outside

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Speaker 7: of working.

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Speaker 2: Yeah, so are you talking about well, let's just do this.

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Speaker 2: Let's just say I've got five hundred dollars that I

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Speaker 2: want to I've got five hundred bucks I want to

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Speaker 2: invest now, and I want to be like you in

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Speaker 2: ten years time. I would like to have a million

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Speaker 2: dollars or net worth. Where do I put that five

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Speaker 2: hundred bucks? Do I put it all in one thing

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Speaker 2: or do I spread it out? What do I do?

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Speaker 7: I think one of the best things for beginners would

395
00:20:54,840 --> 00:20:58,480
Speaker 7: be looking at something like an ETF. So ETF it

396
00:20:58,560 --> 00:21:02,520
Speaker 7: stands for like exchange traded fund, So basically, instead of

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Speaker 7: investing in one company like.

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Speaker 5: Let's say Apple stock.

399
00:21:06,560 --> 00:21:08,880
Speaker 7: Instead of betting it all on one company to do well,

400
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Speaker 7: you basically spread your risk. You get to invest in

401
00:21:11,720 --> 00:21:16,080
Speaker 7: say five hundred companies, a thousand companies, and over time

402
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Speaker 7: the stock market it does tend to increase.

403
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Speaker 5: Like if you if you hold it for at least.

404
00:21:21,880 --> 00:21:25,080
Speaker 7: Five to seven years, you have a ninety five percent

405
00:21:25,160 --> 00:21:28,399
Speaker 7: chance of like making money on your investments. So people

406
00:21:28,440 --> 00:21:31,240
Speaker 7: get worried about losing money with investments, but if you

407
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Speaker 7: do hold it for a long enough period in assets

408
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Speaker 7: like ETFs, then it's almost like the odds of you

409
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Speaker 7: losing money are very very very small, right, And also

410
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Speaker 7: so ETFs are a good one. Also, micro investing apps,

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Speaker 7: so there are.

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Speaker 2: So many raise yeah exactly.

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Speaker 7: Raise space do yes, exactly. There are so many shares

414
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Speaker 7: ese Like also, I'm not being paid to say this,

415
00:21:58,400 --> 00:22:01,280
Speaker 7: but like there's so many amazing micro investing apps where

416
00:22:01,280 --> 00:22:04,600
Speaker 7: you can start investing five dollars, ten dollars and they

417
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Speaker 7: make it really easy. And yeah, I think that just

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Speaker 7: setting up that habit is just incredible.

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Speaker 2: Okay, So is there an ETF shop?

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Speaker 7: Yes, Yeah, there are ETF shops, So I guess there's

421
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Speaker 7: micro investing if you want to invest say five hundred

422
00:22:19,000 --> 00:22:21,720
Speaker 7: dollars or less than one thousand dollars. If you want

423
00:22:21,760 --> 00:22:24,480
Speaker 7: to start investing bigger amounts of money, like one thousand

424
00:22:24,520 --> 00:22:26,840
Speaker 7: dollars plus at a time, you could look at some

425
00:22:27,000 --> 00:22:31,000
Speaker 7: options like brokers, so you would probably know like the

426
00:22:31,040 --> 00:22:34,280
Speaker 7: banks will have one like Comsec, nab Trade, like all

427
00:22:34,280 --> 00:22:36,920
Speaker 7: the banks have them. But there are also like smaller

428
00:22:36,960 --> 00:22:40,840
Speaker 7: brokers that you could also look at, so Perla, steak

429
00:22:41,400 --> 00:22:44,560
Speaker 7: Shares these as well. These apps just allow you they

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Speaker 7: basically do the same thing as the big banks, but

431
00:22:46,720 --> 00:22:49,560
Speaker 7: they charge a smaller fee. So yeah, those are some

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Speaker 7: options as well.

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Speaker 2: The feet, Yeah, they do.

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Speaker 5: Yeah, public do you are you an investor as well?

435
00:22:56,160 --> 00:22:57,760
Speaker 3: And do you ask Queenie for advice?

436
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Speaker 8: So you are you just like rogue.

437
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Speaker 3: On your own?

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Speaker 6: No, we do it together. So what we try to

439
00:23:02,880 --> 00:23:06,160
Speaker 6: do is many automated. So you know, the main thing

440
00:23:06,240 --> 00:23:08,800
Speaker 6: with us as human is like we always you know,

441
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Speaker 6: you're gonna look at the crash you want to sell,

442
00:23:11,080 --> 00:23:13,359
Speaker 6: You're gonna see a start going up you want to invest,

443
00:23:13,359 --> 00:23:16,480
Speaker 6: But we're trying to remove ourselves from the equation and

444
00:23:16,640 --> 00:23:19,679
Speaker 6: answering your question. But the ETF shops, so basically what

445
00:23:19,760 --> 00:23:23,280
Speaker 6: you have is you have an ETF provider, so like

446
00:23:23,560 --> 00:23:27,040
Speaker 6: you probably heard of Vanguard or biit ashes and those

447
00:23:27,200 --> 00:23:30,040
Speaker 6: provide ETFs that you can buy. So they have like

448
00:23:30,080 --> 00:23:32,879
Speaker 6: the top five hundred companies of the US, the top

449
00:23:33,520 --> 00:23:36,280
Speaker 6: three thousand of the world, and you can buy on

450
00:23:36,400 --> 00:23:39,280
Speaker 6: the brokers that when he was mentioning those ETFs.

451
00:23:39,320 --> 00:23:40,000
Speaker 4: So that's how it.

452
00:23:39,920 --> 00:23:43,600
Speaker 6: Works and the way we do it basically now, most

453
00:23:43,640 --> 00:23:47,640
Speaker 6: of our investment is in UH is automated. So every

454
00:23:47,680 --> 00:23:51,640
Speaker 6: month when we pay ourselves, we put about thirty three

455
00:23:51,680 --> 00:23:57,280
Speaker 6: percent of display first directly into our broker and this

456
00:23:57,400 --> 00:23:59,920
Speaker 6: gets automatically invested, so we don't even have to think

457
00:24:00,440 --> 00:24:03,080
Speaker 6: and then we leave with the rest. So rather than

458
00:24:03,119 --> 00:24:06,520
Speaker 6: paying all our bills first and then see all there

459
00:24:06,560 --> 00:24:09,159
Speaker 6: is like five from the dollar left, we reverse the

460
00:24:09,200 --> 00:24:12,080
Speaker 6: cycle by when we get paid, we put this money aside.

461
00:24:12,359 --> 00:24:14,880
Speaker 6: We don't even see it or like just for a day,

462
00:24:15,200 --> 00:24:17,480
Speaker 6: but then it gets invested and out of sight, out

463
00:24:17,480 --> 00:24:21,160
Speaker 6: of mind. Yeah sure, but yeah, we do do investing together.

464
00:24:21,480 --> 00:24:25,600
Speaker 6: And I guess sometimes I watch the videos, you know.

465
00:24:26,760 --> 00:24:28,480
Speaker 8: Do you make her videos?

466
00:24:28,760 --> 00:24:31,240
Speaker 6: I used to edit them, but now we have some editors.

467
00:24:31,240 --> 00:24:35,239
Speaker 6: So we started together and that was during COVID, and

468
00:24:35,560 --> 00:24:38,679
Speaker 6: you know, we had like Queeneys just started her new

469
00:24:38,760 --> 00:24:41,120
Speaker 6: job like a month ago and they were laying off

470
00:24:41,359 --> 00:24:45,959
Speaker 6: most people, but she was like kept because obviously it's quinny.

471
00:24:48,000 --> 00:24:50,119
Speaker 6: But then we had the idea of studying h she

472
00:24:50,200 --> 00:24:53,080
Speaker 6: had the idea of starting like the YouTube channel back then,

473
00:24:53,160 --> 00:24:55,600
Speaker 6: and then we had like literally, you know, we had

474
00:24:55,680 --> 00:24:59,520
Speaker 6: this amazing studio, but back then it was like iPhone

475
00:24:59,680 --> 00:25:02,800
Speaker 6: on our laundry basket and then with the very tiny

476
00:25:02,920 --> 00:25:05,639
Speaker 6: microphone that was like just a meter alone, so she

477
00:25:05,720 --> 00:25:06,960
Speaker 6: had to stand very.

478
00:25:06,760 --> 00:25:10,960
Speaker 4: Close to the camera and that was our first video.

479
00:25:11,280 --> 00:25:12,400
Speaker 3: Oh that's so cute.

480
00:25:12,560 --> 00:25:13,520
Speaker 2: Got a great memory.

481
00:25:13,800 --> 00:25:16,360
Speaker 3: Yeah, and how many follows have you got on YouTube now?

482
00:25:17,240 --> 00:25:21,239
Speaker 7: On YouTube about seventy thousand, but then on Instagram one

483
00:25:21,320 --> 00:25:25,359
Speaker 7: hundred and fifty thousand, TikTok two hundred thousand. Yeah, but

484
00:25:25,440 --> 00:25:29,119
Speaker 7: it was it started very very cringe. I think maybe

485
00:25:29,160 --> 00:25:32,200
Speaker 7: two people watched that video and one of the people

486
00:25:32,240 --> 00:25:35,680
Speaker 7: that watched the video left me in comment like that made.

487
00:25:35,480 --> 00:25:38,640
Speaker 5: Me want to quit. So yeah, you didn't. Yeah, I know,

488
00:25:38,840 --> 00:25:39,040
Speaker 5: I know.

489
00:25:39,080 --> 00:25:42,000
Speaker 1: I'm sure you've helped so many people. What does your

490
00:25:42,119 --> 00:25:43,159
Speaker 1: day today look like?

491
00:25:43,400 --> 00:25:46,040
Speaker 3: Then? For you, Pablo, with your job, you.

492
00:25:45,960 --> 00:25:48,399
Speaker 4: Do so basically, well, now we walk together.

493
00:25:48,480 --> 00:25:52,159
Speaker 6: So after like maybe a year and a half into it,

494
00:25:52,680 --> 00:25:55,960
Speaker 6: Corney went full time into the business.

495
00:25:55,720 --> 00:25:58,399
Speaker 2: And this is your business, Bill rou invest with Queney,

496
00:25:58,680 --> 00:25:59,480
Speaker 2: invest with Queenie.

497
00:25:59,560 --> 00:26:03,280
Speaker 7: Okay, creating content basically on social media, Like who we

498
00:26:03,520 --> 00:26:05,960
Speaker 7: thought that could be a job, right, it's crazy? Yes.

499
00:26:06,520 --> 00:26:08,800
Speaker 6: But then six months after so a John as well

500
00:26:08,800 --> 00:26:12,800
Speaker 6: full time and then we both worked under the business

501
00:26:13,520 --> 00:26:16,000
Speaker 6: together for a couple of years and then we just

502
00:26:16,040 --> 00:26:16,800
Speaker 6: started in a room.

503
00:26:16,880 --> 00:26:17,840
Speaker 4: Are budgeting up?

504
00:26:18,119 --> 00:26:21,320
Speaker 6: Yes, yeah, on the back of invest with Queeney because

505
00:26:21,680 --> 00:26:25,399
Speaker 6: we're like, we're using spreadsheet all the time to do

506
00:26:25,440 --> 00:26:27,679
Speaker 6: our budgeting and Queeney was doing it like in Google

507
00:26:27,680 --> 00:26:31,760
Speaker 6: sit and we were into interviewing our subscribers as well,

508
00:26:31,760 --> 00:26:35,600
Speaker 6: and they are also like very savvy but still using spreadsheet,

509
00:26:35,800 --> 00:26:38,040
Speaker 6: So like there must be something out there that's better,

510
00:26:38,040 --> 00:26:41,119
Speaker 6: and there was nothing better. So two years ago we

511
00:26:41,200 --> 00:26:44,520
Speaker 6: decided to start it. And Queney worked at a fintech

512
00:26:44,520 --> 00:26:45,439
Speaker 6: startup just before.

513
00:26:45,640 --> 00:26:48,159
Speaker 7: When I joined the startup, they would say, we're going

514
00:26:48,240 --> 00:26:50,679
Speaker 7: to sell this startup in a few years time for

515
00:26:50,760 --> 00:26:53,080
Speaker 7: a lot of money, and you'll have some shares and

516
00:26:53,520 --> 00:26:56,880
Speaker 7: we're all going to be like happy, and I was like, okay, yeah, yeah,

517
00:26:56,960 --> 00:26:59,320
Speaker 7: like that's what all the startups say, and like how

518
00:26:59,359 --> 00:27:01,879
Speaker 7: many of them are we sell and do well? But

519
00:27:02,200 --> 00:27:06,200
Speaker 7: sure enough, like about three years later, the startup did

520
00:27:06,280 --> 00:27:07,600
Speaker 7: sell for a lot of money.

521
00:27:07,880 --> 00:27:09,480
Speaker 5: I wish I negotiated more shares.

522
00:27:11,400 --> 00:27:14,680
Speaker 7: Yeah, but I'm grateful that I got something in the mail.

523
00:27:14,760 --> 00:27:15,560
Speaker 5: I was like, that's.

524
00:27:15,400 --> 00:27:17,560
Speaker 7: Pretty cool, Like I got some shares of the startup.

525
00:27:17,600 --> 00:27:19,760
Speaker 7: It sold, it did really well, So I think in

526
00:27:19,800 --> 00:27:21,760
Speaker 7: the back of my mind, I was like, one day,

527
00:27:21,760 --> 00:27:23,760
Speaker 7: it'll be cool to have a startup, you know, like

528
00:27:24,880 --> 00:27:28,840
Speaker 7: something like that, and especially doing something that helps people.

529
00:27:28,920 --> 00:27:33,639
Speaker 7: Like we received so many nice comments. It's someone found

530
00:27:33,680 --> 00:27:38,960
Speaker 7: out that they were paying for their comprehensive car insurance twice.

531
00:27:38,920 --> 00:27:41,800
Speaker 5: For two years, so they saved a few.

532
00:27:41,640 --> 00:27:45,120
Speaker 7: Thousand dollars just by like using our tool and seeing that, Yeah,

533
00:27:45,119 --> 00:27:46,800
Speaker 7: they were paying that twice for two years.

534
00:27:46,880 --> 00:27:49,719
Speaker 2: And we're talking about bill rue right now. Yeah, and

535
00:27:49,760 --> 00:27:55,160
Speaker 2: you're using AI to turn data into insights, is that correct?

536
00:27:55,440 --> 00:27:57,080
Speaker 5: Yeah? Yeah?

537
00:27:57,119 --> 00:27:57,960
Speaker 2: What does that mean?

538
00:28:00,000 --> 00:28:02,760
Speaker 6: Example, Let's say like you have all your spending for

539
00:28:02,840 --> 00:28:06,040
Speaker 6: the last three months or six months, and you don't

540
00:28:06,080 --> 00:28:08,199
Speaker 6: know really where your money is going, so it can

541
00:28:08,240 --> 00:28:11,399
Speaker 6: tell you first where is your money going, but so

542
00:28:11,640 --> 00:28:14,679
Speaker 6: how you could improve that. So let's say if you

543
00:28:14,720 --> 00:28:17,720
Speaker 6: spend too much at the supermarket or eating out, based

544
00:28:17,720 --> 00:28:21,199
Speaker 6: on your budget and what you want to spend and

545
00:28:21,240 --> 00:28:23,880
Speaker 6: what you have spent, it can tell you like where

546
00:28:24,040 --> 00:28:28,000
Speaker 6: are the areas where you can save money? But also,

547
00:28:28,440 --> 00:28:31,600
Speaker 6: I was tax time recently, and you know with AI

548
00:28:31,800 --> 00:28:34,720
Speaker 6: now with all the AI is really good at accounting

549
00:28:35,160 --> 00:28:39,520
Speaker 6: and so finding potential tax expenses that you may have missed.

550
00:28:39,920 --> 00:28:43,880
Speaker 6: Were twelve months of data, you know of expenses.

551
00:28:43,320 --> 00:28:43,800
Speaker 4: That you have.

552
00:28:44,600 --> 00:28:47,640
Speaker 6: You probably forgot if you bought a microphone six months

553
00:28:47,680 --> 00:28:51,040
Speaker 6: ago or something at office works. But this can find

554
00:28:51,040 --> 00:28:54,120
Speaker 6: those things. And obviously it might not be tax dedictable,

555
00:28:54,240 --> 00:28:55,960
Speaker 6: you need to check with the acount, but it can

556
00:28:56,000 --> 00:28:58,480
Speaker 6: remind you of all the expenses that you've had over

557
00:28:58,520 --> 00:28:59,680
Speaker 6: the last twelve months.

558
00:29:00,040 --> 00:29:02,960
Speaker 8: And then you spend hours going over.

559
00:29:02,920 --> 00:29:04,840
Speaker 2: To I literally spend hours doing.

560
00:29:04,880 --> 00:29:07,520
Speaker 8: Days and days yeah, yeah, yeah, yeah.

561
00:29:08,080 --> 00:29:09,960
Speaker 2: Because I want to save the money because my accountant

562
00:29:10,000 --> 00:29:11,920
Speaker 2: will do it and then I'll get a huge bill

563
00:29:12,080 --> 00:29:14,160
Speaker 2: for their time, so I might as well do it myself.

564
00:29:15,880 --> 00:29:21,239
Speaker 2: All of your I'm joining because I went on there.

565
00:29:21,240 --> 00:29:23,840
Speaker 2: I had a look last night and it looks really

566
00:29:23,880 --> 00:29:27,280
Speaker 2: easy to navigate. And you've got a free sample as well,

567
00:29:27,280 --> 00:29:27,760
Speaker 2: don't you.

568
00:29:27,880 --> 00:29:30,520
Speaker 5: Yeah yeah, fourteen yeah yeah, which.

569
00:29:30,360 --> 00:29:34,480
Speaker 1: I think it's really really good tell us about because

570
00:29:34,480 --> 00:29:36,880
Speaker 1: you talk about fun money and draining money and I

571
00:29:36,920 --> 00:29:38,720
Speaker 1: really want to know about the fun.

572
00:29:38,600 --> 00:29:39,800
Speaker 8: And I like fun money.

573
00:29:39,840 --> 00:29:40,640
Speaker 3: What does that mean?

574
00:29:40,720 --> 00:29:43,280
Speaker 8: And how do we spend more time getting the fun money?

575
00:29:43,840 --> 00:29:45,080
Speaker 5: Okay, good questions.

576
00:29:45,240 --> 00:29:48,680
Speaker 7: So you know how people are always saying, you know,

577
00:29:48,680 --> 00:29:51,040
Speaker 7: you've got some people that say money is the root

578
00:29:51,080 --> 00:29:53,200
Speaker 7: of all evil, and then you've got other people that

579
00:29:53,280 --> 00:29:55,720
Speaker 7: are saying money is really good and it can help

580
00:29:55,720 --> 00:29:58,920
Speaker 7: me achieve my dreams and money is amazing. And what

581
00:29:58,920 --> 00:30:03,440
Speaker 7: we've realized is all of these perspectives are correct because

582
00:30:03,440 --> 00:30:06,200
Speaker 7: there are different types of money, like not all money

583
00:30:06,320 --> 00:30:10,320
Speaker 7: is the same. So let's say, for example, fun money

584
00:30:10,400 --> 00:30:12,680
Speaker 7: might be earning money from a job that you love,

585
00:30:13,040 --> 00:30:15,480
Speaker 7: that you really enjoy, that you feel like you're doing

586
00:30:15,520 --> 00:30:17,880
Speaker 7: good thing in the world, and you're receiving money for

587
00:30:18,400 --> 00:30:21,880
Speaker 7: spreading something good. It feels positive and it's happy. That's

588
00:30:22,000 --> 00:30:25,080
Speaker 7: fun money, whereas draining money or heavy money, it might

589
00:30:25,160 --> 00:30:28,920
Speaker 7: be something like earning money through a severance package or

590
00:30:29,000 --> 00:30:31,680
Speaker 7: earning money through a job that you hate for a

591
00:30:31,720 --> 00:30:34,520
Speaker 7: company that just doesn't really align with your values. That's

592
00:30:34,880 --> 00:30:37,680
Speaker 7: heavy money. And I guess ideally, if you want to

593
00:30:37,680 --> 00:30:41,000
Speaker 7: be good with your finances as well, like it's important

594
00:30:41,080 --> 00:30:45,400
Speaker 7: to try and earn that fun, uplifting, positive money, because

595
00:30:45,600 --> 00:30:48,360
Speaker 7: when you earn heavy money from work that you don't

596
00:30:48,480 --> 00:30:51,080
Speaker 7: enjoy or things that you don't love, it can weigh

597
00:30:51,160 --> 00:30:55,120
Speaker 7: you down. Sometimes it's unavoidable because you know you need

598
00:30:55,200 --> 00:30:57,240
Speaker 7: to get your start somewhere, and sometimes you do have

599
00:30:57,280 --> 00:31:00,120
Speaker 7: to work a job that you hate, but ideally can

600
00:31:00,200 --> 00:31:02,360
Speaker 7: redirect that money into fun money later on.

601
00:31:02,760 --> 00:31:07,040
Speaker 2: So you're talking really there's a for one of a

602
00:31:07,040 --> 00:31:11,240
Speaker 2: better word, a mood aspect to it. So if you're

603
00:31:11,280 --> 00:31:14,280
Speaker 2: in a good mood, you're in a better place to

604
00:31:14,320 --> 00:31:15,719
Speaker 2: attract money.

605
00:31:15,960 --> 00:31:18,360
Speaker 5: Exactly. Yeah, it's all about that.

606
00:31:18,600 --> 00:31:22,560
Speaker 7: And there's also money that's in your control and money

607
00:31:22,560 --> 00:31:25,320
Speaker 7: that's not in your control. And I feel like sometimes

608
00:31:25,360 --> 00:31:28,760
Speaker 7: people they focus on the lucky money, you know, like

609
00:31:28,840 --> 00:31:31,160
Speaker 7: look at this person just won the lottery, or look

610
00:31:31,160 --> 00:31:33,840
Speaker 7: at this person they received an inheritance from someone they

611
00:31:33,840 --> 00:31:36,120
Speaker 7: didn't even know they were related to. Like, I want

612
00:31:36,160 --> 00:31:38,600
Speaker 7: to earn that money, and sure, it's fun and it

613
00:31:38,840 --> 00:31:42,560
Speaker 7: would be great, but also those people that earn that money,

614
00:31:42,920 --> 00:31:46,680
Speaker 7: they can't even control it themselves, So why do we

615
00:31:46,760 --> 00:31:50,400
Speaker 7: want to attract that? Whereas like the skills money, I

616
00:31:50,400 --> 00:31:52,800
Speaker 7: guess that's where it all kind of ties in, like

617
00:31:52,880 --> 00:31:55,440
Speaker 7: money that you enjoy earning it in a way that.

618
00:31:55,400 --> 00:31:57,720
Speaker 5: Feels good, but also tied to your.

619
00:31:57,560 --> 00:32:00,600
Speaker 7: Skills and abilities, so then you can rep implicate it,

620
00:32:00,680 --> 00:32:03,000
Speaker 7: you can scale it, you can grow it, and it

621
00:32:03,040 --> 00:32:06,760
Speaker 7: also feels like you know you've earned something, you've achieved something.

622
00:32:06,880 --> 00:32:09,520
Speaker 7: So I guess the ideal money that you want to

623
00:32:09,520 --> 00:32:12,200
Speaker 7: be earning is fun, but it's also skilled.

624
00:32:12,680 --> 00:32:16,480
Speaker 1: Yeeah, that's so interesting, And I'm sure you know what

625
00:32:16,520 --> 00:32:18,640
Speaker 1: the statistics are. I don't know it off the top

626
00:32:18,680 --> 00:32:20,880
Speaker 1: of my head, but it's like it's an incredibly high

627
00:32:20,960 --> 00:32:24,720
Speaker 1: amount of people who win the lottery and in five

628
00:32:24,760 --> 00:32:27,239
Speaker 1: years time they're just as broke as they were. They

629
00:32:27,440 --> 00:32:28,640
Speaker 1: just don't know what to do with it.

630
00:32:29,000 --> 00:32:31,640
Speaker 3: Exactly. That's to your point, yeah, exactly.

631
00:32:31,760 --> 00:32:33,920
Speaker 5: Yeah, So we might think that we want that kind

632
00:32:33,960 --> 00:32:34,640
Speaker 5: of money, but.

633
00:32:34,640 --> 00:32:38,280
Speaker 7: Actually it's not as fulfilling as when you actually earn it,

634
00:32:38,360 --> 00:32:40,280
Speaker 7: and when you earn it in a good way, in

635
00:32:40,320 --> 00:32:41,440
Speaker 7: a way that feels positive.

636
00:32:41,800 --> 00:32:49,480
Speaker 2: Yeah, So I don't know. I think ninety million be

637
00:32:49,520 --> 00:32:50,280
Speaker 2: pretty bloody.

638
00:32:52,320 --> 00:32:53,440
Speaker 3: What to do with that, honey.

639
00:32:53,520 --> 00:32:56,960
Speaker 2: Well, I've always said if I want that sort of money,

640
00:32:57,000 --> 00:32:59,240
Speaker 2: I would give half of it away, you know, I

641
00:32:59,240 --> 00:33:02,600
Speaker 2: would find places to give it to, and that would

642
00:33:02,600 --> 00:33:05,360
Speaker 2: bring me a lot of joy. Yeah, exactly. And then

643
00:33:05,600 --> 00:33:08,400
Speaker 2: and then I'd put that I'd put a chunk of

644
00:33:08,440 --> 00:33:11,080
Speaker 2: money each away for the kids that they could have

645
00:33:11,280 --> 00:33:14,840
Speaker 2: in it that is usable, and then other ones that's

646
00:33:14,880 --> 00:33:16,720
Speaker 2: more like nah, that's just going to be like you're

647
00:33:17,000 --> 00:33:20,320
Speaker 2: compounding interest and put it away. I remember playing golf

648
00:33:20,480 --> 00:33:23,000
Speaker 2: years ago we were living in Los Angeles, and it

649
00:33:23,040 --> 00:33:25,640
Speaker 2: was a guy who was on a soap opera turned

650
00:33:25,720 --> 00:33:28,120
Speaker 2: up and I met. I knew his face because there

651
00:33:28,160 --> 00:33:30,440
Speaker 2: he was at you know, two o'clock in the afternoon

652
00:33:30,480 --> 00:33:33,640
Speaker 2: every day on this big American soap. And he said

653
00:33:33,680 --> 00:33:38,280
Speaker 2: that he he put At the time, so it was

654
00:33:38,360 --> 00:33:42,960
Speaker 2: probably early two thousands, he had about two million dollars

655
00:33:42,960 --> 00:33:46,520
Speaker 2: in an investment account, and he owned his apartment in

656
00:33:46,560 --> 00:33:50,240
Speaker 2: Santa Monica, and he worked three days a week on

657
00:33:50,320 --> 00:33:52,560
Speaker 2: the soap and he lived off the interest of the

658
00:33:52,560 --> 00:33:54,840
Speaker 2: two million bucks. And he was like, that's all you need, man,

659
00:33:55,960 --> 00:33:58,200
Speaker 2: because there. He was playing golf most days of the

660
00:33:58,240 --> 00:34:00,320
Speaker 2: week or whatever, you know, whatever it was. But I

661
00:34:00,360 --> 00:34:03,480
Speaker 2: was looking at that, going that is so simple. Yeah,

662
00:34:03,520 --> 00:34:04,480
Speaker 2: loo's so good.

663
00:34:05,120 --> 00:34:06,040
Speaker 8: Yeah it was.

664
00:34:06,400 --> 00:34:08,560
Speaker 2: He didn't ever worry in the world. There was a

665
00:34:08,600 --> 00:34:11,040
Speaker 2: line on this guy's face and he was probably sixty

666
00:34:11,120 --> 00:34:13,719
Speaker 2: years old, but you know, he just looked like he

667
00:34:13,840 --> 00:34:17,040
Speaker 2: was about thirty five, this dude. But I remember thinking

668
00:34:17,040 --> 00:34:21,400
Speaker 2: about it. Wow, that's I'd never thought about just having

669
00:34:21,440 --> 00:34:24,160
Speaker 2: money as a chunk of money sitting in somewhere that's

670
00:34:24,200 --> 00:34:27,040
Speaker 2: earning interest and I'm living a comfortable life. You know,

671
00:34:27,080 --> 00:34:28,799
Speaker 2: it's two hundred grand or something. He was earning a

672
00:34:28,880 --> 00:34:29,640
Speaker 2: year of the interest.

673
00:34:29,760 --> 00:34:32,359
Speaker 6: Yeah, because there is the rule of four percent. So

674
00:34:32,440 --> 00:34:34,960
Speaker 6: basically this saying and say that again, the rule of

675
00:34:35,320 --> 00:34:38,279
Speaker 6: four percent. Yeah, So basically this rule is showing you

676
00:34:38,320 --> 00:34:41,680
Speaker 6: that you can withdraw four percent of your investment every

677
00:34:41,719 --> 00:34:44,520
Speaker 6: single year, but will still be growing or you won't

678
00:34:44,560 --> 00:34:49,040
Speaker 6: lose any money. Oh okay, because the interest rate you

679
00:34:49,120 --> 00:34:52,160
Speaker 6: get usually with an investment seven to eight percent. So

680
00:34:52,280 --> 00:34:55,960
Speaker 6: if you only withdraw four percent, you can reverse engineer

681
00:34:56,000 --> 00:34:58,919
Speaker 6: and just get this amount of money out every year,

682
00:34:59,239 --> 00:35:00,920
Speaker 6: but your money is not going to diminish.

683
00:35:02,600 --> 00:35:04,400
Speaker 1: We just need to have two million in our accounts,

684
00:35:05,120 --> 00:35:19,440
Speaker 1: so we're working towards that. Thoughey, we do hear a

685
00:35:19,480 --> 00:35:23,080
Speaker 1: lot today about how young people can't afford especially in

686
00:35:23,120 --> 00:35:27,520
Speaker 1: Sydney and Melbourne. My god, can't afford to buy a home. Yeah,

687
00:35:27,600 --> 00:35:28,640
Speaker 1: not in the major cities.

688
00:35:29,640 --> 00:35:31,400
Speaker 3: Like do you subscribe to that?

689
00:35:31,440 --> 00:35:33,200
Speaker 1: Do you feel like there's a way out of that

690
00:35:33,320 --> 00:35:36,839
Speaker 1: for our twenties and thirty year old people? Like how

691
00:35:36,880 --> 00:35:39,440
Speaker 1: are they meant to sort of if they're struggling already?

692
00:35:40,239 --> 00:35:43,120
Speaker 1: Do they buy your book and it can all magically change?

693
00:35:43,680 --> 00:35:45,319
Speaker 5: Oh, it's honestly so tough.

694
00:35:45,320 --> 00:35:47,640
Speaker 7: And I don't want to sit here and be like, oh,

695
00:35:47,800 --> 00:35:49,759
Speaker 7: you can do it and it's easy, because it's not.

696
00:35:49,960 --> 00:35:51,200
Speaker 5: And you know, you look at.

697
00:35:51,080 --> 00:35:55,200
Speaker 7: The stats and it's clear that wages they've grown a

698
00:35:55,239 --> 00:35:58,640
Speaker 7: little bit, but not nearly as much as housing prices,

699
00:35:58,680 --> 00:36:03,720
Speaker 7: Like housing prices have just gone up so much and iculous.

700
00:36:03,800 --> 00:36:05,560
Speaker 7: Rental is ridiculous as well.

701
00:36:05,600 --> 00:36:09,040
Speaker 5: It's really difficult. And also it's not like how.

702
00:36:08,960 --> 00:36:10,360
Speaker 7: It used to be where you could just get a

703
00:36:10,440 --> 00:36:13,919
Speaker 7: job and then you'd stay there forever. You know, now

704
00:36:13,960 --> 00:36:15,960
Speaker 7: with like AI and all of these things, like it's

705
00:36:16,000 --> 00:36:19,320
Speaker 7: also difficult to hold down a job these days as well,

706
00:36:19,400 --> 00:36:23,200
Speaker 7: So it's definitely not easy, but I still think that

707
00:36:23,480 --> 00:36:26,359
Speaker 7: there are ways that you can get ahead, and like,

708
00:36:26,560 --> 00:36:29,759
Speaker 7: that's all the crappy things that are happening now, but

709
00:36:29,840 --> 00:36:32,800
Speaker 7: then there are also some really cool opportunities now as well.

710
00:36:32,840 --> 00:36:36,120
Speaker 7: Like we spoke about investing apps, this never used to

711
00:36:36,160 --> 00:36:39,040
Speaker 7: be accessible for everyday people. True to be able to

712
00:36:39,120 --> 00:36:41,759
Speaker 7: invest with like five dollars, like that was.

713
00:36:41,760 --> 00:36:42,319
Speaker 5: Never a thing.

714
00:36:42,560 --> 00:36:45,880
Speaker 7: You would have to pay thousands and you would have

715
00:36:45,920 --> 00:36:48,120
Speaker 7: to call a broker who would you know. You would

716
00:36:48,160 --> 00:36:49,919
Speaker 7: have to pay a lot of money too in order

717
00:36:49,960 --> 00:36:52,839
Speaker 7: to invest. But these days you just download an app

718
00:36:52,880 --> 00:36:55,279
Speaker 7: on your phone and you can literally start investing. So

719
00:36:55,880 --> 00:36:59,600
Speaker 7: it's never been easy easier before to invest. It's also

720
00:36:59,680 --> 00:37:02,400
Speaker 7: never been easier before to start a business or a

721
00:37:02,400 --> 00:37:05,840
Speaker 7: side hustle. So Pablo and I we used to work

722
00:37:06,320 --> 00:37:09,480
Speaker 7: full time jobs in a few different areas, but on

723
00:37:09,520 --> 00:37:12,600
Speaker 7: the side we were always like starting little side businesses

724
00:37:12,600 --> 00:37:16,080
Speaker 7: and passion projects, and a lot of them failed. You

725
00:37:16,120 --> 00:37:17,200
Speaker 7: don't hear about those.

726
00:37:17,400 --> 00:37:20,320
Speaker 8: Yeah, that's what the life of an entrepreneur is exactly.

727
00:37:20,600 --> 00:37:23,759
Speaker 7: And we had one that took off, which was our

728
00:37:23,800 --> 00:37:27,120
Speaker 7: content business invest with Queenie and our budgeting app, and

729
00:37:27,320 --> 00:37:30,359
Speaker 7: you only really need one that works and one way

730
00:37:30,440 --> 00:37:32,640
Speaker 7: you can quit your job and do it full time.

731
00:37:32,760 --> 00:37:36,440
Speaker 7: So I feel like those two things are ways that

732
00:37:36,480 --> 00:37:40,040
Speaker 7: you can achieve financial freedom or at least, like, you know,

733
00:37:40,360 --> 00:37:43,080
Speaker 7: some decent money so that you can actually go on

734
00:37:43,120 --> 00:37:45,799
Speaker 7: your path to financial freedom because one day and one

735
00:37:45,840 --> 00:37:47,879
Speaker 7: day we will have like two million in the bank

736
00:37:47,920 --> 00:37:49,920
Speaker 7: earning interest, so you can work.

737
00:37:49,760 --> 00:37:50,520
Speaker 5: Three days a week.

738
00:37:50,600 --> 00:37:53,120
Speaker 7: But I guess the idea I think is you want

739
00:37:53,120 --> 00:37:55,319
Speaker 7: to enjoy the journey along the way, Like you're not

740
00:37:55,360 --> 00:37:59,040
Speaker 7: going to magically get to two million in your investment

741
00:37:59,080 --> 00:38:01,360
Speaker 7: account and then you'll be happy, Like I feel like

742
00:38:01,520 --> 00:38:05,680
Speaker 7: you have to enjoy the journey because, yeah, I spoke

743
00:38:05,719 --> 00:38:07,879
Speaker 7: to a few people, like one of my aunties. She's

744
00:38:07,920 --> 00:38:11,200
Speaker 7: a big inspiration for me because whenever I would go

745
00:38:11,239 --> 00:38:13,239
Speaker 7: to visit her, I would be quite jealous of their

746
00:38:13,239 --> 00:38:15,880
Speaker 7: family because they were very rich, very rich, you know,

747
00:38:16,480 --> 00:38:19,360
Speaker 7: big house with a bridge in between them, like they

748
00:38:19,400 --> 00:38:22,280
Speaker 7: had two houses with a bridge in between, a massive pool,

749
00:38:22,400 --> 00:38:25,239
Speaker 7: and I remember going there as a kid because you know,

750
00:38:25,719 --> 00:38:27,960
Speaker 7: our house was not very nice. We had weeds growing

751
00:38:28,080 --> 00:38:29,120
Speaker 7: out the front.

752
00:38:28,960 --> 00:38:32,040
Speaker 5: And like it was. Their house was beautiful.

753
00:38:31,640 --> 00:38:34,920
Speaker 7: And I went back to see her and we stayed

754
00:38:34,920 --> 00:38:37,719
Speaker 7: with her for a few days, and I realized, like,

755
00:38:38,000 --> 00:38:41,280
Speaker 7: they have all this money, but they're not actually happy,

756
00:38:41,800 --> 00:38:44,880
Speaker 7: you know. And it really hit home for me that

757
00:38:45,400 --> 00:38:47,839
Speaker 7: you're not going to be happy when you reach that destination.

758
00:38:47,960 --> 00:38:50,400
Speaker 7: And actually, I think we, even though we don't have

759
00:38:50,440 --> 00:38:53,319
Speaker 7: as much money as her, like, we're actually happier than

760
00:38:53,480 --> 00:38:54,920
Speaker 7: her family in a lot of ways.

761
00:38:55,000 --> 00:38:56,879
Speaker 5: So yeah, I think that we all.

762
00:38:56,800 --> 00:38:58,880
Speaker 7: Think that we're magically going to be happy when we

763
00:38:58,920 --> 00:39:00,879
Speaker 7: have a lot of money, but that's not the case.

764
00:39:00,920 --> 00:39:02,520
Speaker 5: You have to be happy now, and you have to

765
00:39:02,640 --> 00:39:03,440
Speaker 5: enjoy the journey.

766
00:39:03,560 --> 00:39:07,480
Speaker 2: Yes, I've a bunch of people that have been One

767
00:39:07,960 --> 00:39:11,480
Speaker 2: guy who is very wealthy is very happy. I mean,

768
00:39:11,520 --> 00:39:15,440
Speaker 2: he made his wealth and he enjoys his wealth now.

769
00:39:15,800 --> 00:39:18,440
Speaker 2: He travels, he goes to concerts, he does all sorts

770
00:39:18,440 --> 00:39:21,239
Speaker 2: of things with his wife, and he's very happy. And

771
00:39:21,280 --> 00:39:23,600
Speaker 2: he will tell you that he's very proud himself. And

772
00:39:24,120 --> 00:39:26,200
Speaker 2: my hat's off to him because I like that too.

773
00:39:27,960 --> 00:39:31,680
Speaker 2: But there are others who become slaves to it, I think,

774
00:39:31,880 --> 00:39:34,040
Speaker 2: and they're just constantly going, I don't have enough. I

775
00:39:34,040 --> 00:39:39,480
Speaker 2: don't have enough. And that's that's probably more the case,

776
00:39:40,320 --> 00:39:45,920
Speaker 2: my friend is the exception. What are the biggest money

777
00:39:45,960 --> 00:39:52,360
Speaker 2: mistakes that our youngsters or even you know, actually everybody.

778
00:39:52,640 --> 00:39:55,200
Speaker 2: What are the biggest money mistakes that we make that

779
00:39:55,239 --> 00:40:00,279
Speaker 2: we could actually if we could stop making, those would

780
00:40:00,320 --> 00:40:03,680
Speaker 2: make a difference that we could see fairly quickly.

781
00:40:04,920 --> 00:40:08,000
Speaker 7: I would say what Pavlo mentioned before is really good.

782
00:40:08,080 --> 00:40:11,760
Speaker 7: So reversing this mindset of paying everyone.

783
00:40:11,400 --> 00:40:12,960
Speaker 5: Else before we pay ourselves.

784
00:40:13,080 --> 00:40:17,600
Speaker 7: I think paying yourself first is so important. The billionaire

785
00:40:17,719 --> 00:40:21,040
Speaker 7: investor Warren Buffett, he has this quote that I just love.

786
00:40:21,200 --> 00:40:25,800
Speaker 7: So don't save what is left after spending, but spend

787
00:40:26,000 --> 00:40:27,280
Speaker 7: what is left after saving.

788
00:40:27,480 --> 00:40:29,719
Speaker 5: So each month whatever you.

789
00:40:29,719 --> 00:40:32,360
Speaker 7: Can try and have a look at what your expenses

790
00:40:32,400 --> 00:40:34,799
Speaker 7: will be, so you're not going to put yourself out.

791
00:40:34,840 --> 00:40:37,560
Speaker 7: But it's a good idea to just save a little

792
00:40:37,560 --> 00:40:39,719
Speaker 7: bit or put a bit aside to your investments. Like

793
00:40:39,760 --> 00:40:42,080
Speaker 7: it doesn't have to be much, but it builds that habit.

794
00:40:42,200 --> 00:40:45,799
Speaker 7: And paying yourself first is really powerful because then you

795
00:40:45,840 --> 00:40:48,239
Speaker 7: can spend whatever you have left and you won't feel

796
00:40:48,239 --> 00:40:51,040
Speaker 7: guilty because they're like, oh, I've already paid myself first.

797
00:40:51,600 --> 00:40:54,799
Speaker 7: So I think that's the first mistake people made, not

798
00:40:54,880 --> 00:40:59,920
Speaker 7: paying themself first. And maybe Another mistake would be just

799
00:41:00,160 --> 00:41:03,160
Speaker 7: not thinking that something's worth it to do, because I

800
00:41:03,160 --> 00:41:05,920
Speaker 7: feel like all these little expenses they really do add up.

801
00:41:06,440 --> 00:41:09,400
Speaker 7: And maybe you could go through some of your fixed

802
00:41:09,440 --> 00:41:13,879
Speaker 7: expenses like electricity provider, phone bill, like all of these

803
00:41:13,920 --> 00:41:17,439
Speaker 7: things that are fixed. Maybe you could negotiate a better

804
00:41:17,480 --> 00:41:20,359
Speaker 7: deal on your insurance or something like that. And if

805
00:41:20,400 --> 00:41:23,040
Speaker 7: you can save one hundred dollars two hundred dollars there, like,

806
00:41:23,480 --> 00:41:25,400
Speaker 7: that's a lot of money that you didn't really have

807
00:41:25,480 --> 00:41:29,560
Speaker 7: to like, you know, earn, And then I would say

808
00:41:30,440 --> 00:41:34,400
Speaker 7: not investing as well. Investing is really powerful, So the

809
00:41:34,480 --> 00:41:37,480
Speaker 7: sooner you start, the more your money can start compounding.

810
00:41:38,160 --> 00:41:41,640
Speaker 7: There's another rule that I love. It's the rule of

811
00:41:41,680 --> 00:41:46,239
Speaker 7: seventy two. So basically it shows you how long it

812
00:41:46,280 --> 00:41:49,279
Speaker 7: takes your money to double. So you get seventy two

813
00:41:49,680 --> 00:41:52,839
Speaker 7: and you divide it by whatever percentage return you get

814
00:41:52,880 --> 00:41:55,920
Speaker 7: per year, so usually it's around eight percent in the

815
00:41:55,960 --> 00:41:59,520
Speaker 7: stock market. So seventy two divided by eight gives you

816
00:41:59,600 --> 00:42:03,200
Speaker 7: nine year, which means that whatever money you have invested

817
00:42:03,600 --> 00:42:06,440
Speaker 7: every nine years it doubles, which is just crazy. It

818
00:42:06,520 --> 00:42:08,520
Speaker 7: might not seem like much at the beginning, like one

819
00:42:08,560 --> 00:42:12,040
Speaker 7: thousand becomes two thousand. But once you have big numbers

820
00:42:12,080 --> 00:42:14,800
Speaker 7: in there and your money has been doubling for a while,

821
00:42:15,320 --> 00:42:16,759
Speaker 7: you know, you'll get to a point where it's like

822
00:42:16,800 --> 00:42:20,200
Speaker 7: six hundred thousand becomes one point two million nine years later.

823
00:42:20,320 --> 00:42:24,160
Speaker 7: Like that's how these numbers just get so massive. So, yeah,

824
00:42:24,640 --> 00:42:25,960
Speaker 7: investing is so important.

825
00:42:26,200 --> 00:42:28,239
Speaker 1: I think it's just me. Well not, I don't think

826
00:42:28,239 --> 00:42:33,000
Speaker 1: it's just me, but I think that for me, and

827
00:42:33,080 --> 00:42:35,759
Speaker 1: like a lot of people, it's just such I have

828
00:42:35,840 --> 00:42:39,840
Speaker 1: so much fear around money, and it's it's not fear

829
00:42:39,840 --> 00:42:43,400
Speaker 1: of not having enough, it's fear of knowing what to

830
00:42:43,560 --> 00:42:46,759
Speaker 1: do with the money and being like if it's sort

831
00:42:46,760 --> 00:42:50,360
Speaker 1: of like you know, like a bit of a game show,

832
00:42:50,440 --> 00:42:52,000
Speaker 1: you know, like like take you know.

833
00:42:52,239 --> 00:42:53,800
Speaker 3: No deal, or take the money.

834
00:42:53,920 --> 00:42:56,279
Speaker 1: You know, Like if I saw my investment double, I'd

835
00:42:56,280 --> 00:42:58,080
Speaker 1: be like, I'd better get it out now, because what

836
00:42:58,120 --> 00:43:00,560
Speaker 1: if it tanks and I lose it. So it's being

837
00:43:00,600 --> 00:43:04,000
Speaker 1: able to trust that it's like leave it in there

838
00:43:04,080 --> 00:43:06,640
Speaker 1: to keep growing. Like that's where my mind goes that

839
00:43:06,719 --> 00:43:09,920
Speaker 1: I get scared that, you know, I'm going to lose

840
00:43:09,960 --> 00:43:13,160
Speaker 1: what I've put in. Same as in property investment, I

841
00:43:13,200 --> 00:43:15,440
Speaker 1: feel the same way as well. And they always say,

842
00:43:15,480 --> 00:43:17,840
Speaker 1: you know, you can't really lose that much on property,

843
00:43:17,880 --> 00:43:21,440
Speaker 1: but yeah, it's difficult, Like I've got to get out

844
00:43:21,480 --> 00:43:22,040
Speaker 1: of the fear.

845
00:43:22,520 --> 00:43:25,600
Speaker 2: Is that? Would you guys agree with this? I totally

846
00:43:25,680 --> 00:43:29,400
Speaker 2: understand what Ali's saying. You were talking before about raising

847
00:43:29,600 --> 00:43:32,880
Speaker 2: your mood, you know, we said that or raising the

848
00:43:32,960 --> 00:43:36,520
Speaker 2: vibration around money. Remember sitting next to a bloke on

849
00:43:36,600 --> 00:43:38,520
Speaker 2: the air in an airplane once and he was a

850
00:43:38,680 --> 00:43:42,040
Speaker 2: very very wealthy fellow and I was being flown somewhere

851
00:43:42,040 --> 00:43:44,160
Speaker 2: because that was first class, you know. But I asked

852
00:43:44,239 --> 00:43:46,080
Speaker 2: him what his definition of money was and he said,

853
00:43:46,120 --> 00:43:50,440
Speaker 2: it's lubricant. It just gets lubricant to do something. You know.

854
00:43:51,600 --> 00:43:55,480
Speaker 2: But if is it doing those little things, starting with

855
00:43:55,520 --> 00:43:58,800
Speaker 2: the little things that raise your mood, that would hopefully

856
00:43:58,840 --> 00:44:02,600
Speaker 2: infiltrate the fear that else talking about, because you go, oh, yeah,

857
00:44:02,640 --> 00:44:04,880
Speaker 2: but I know if I just do these little things,

858
00:44:05,360 --> 00:44:07,880
Speaker 2: it's going to compound and as you say, you know,

859
00:44:08,000 --> 00:44:10,560
Speaker 2: it doubles in nine years or whatever the case is.

860
00:44:10,840 --> 00:44:11,920
Speaker 5: Yeah, it's crazy.

861
00:44:12,040 --> 00:44:14,879
Speaker 7: I think it is all about the mindset that you have,

862
00:44:15,480 --> 00:44:18,279
Speaker 7: and it's so important because it's like, I really do

863
00:44:18,360 --> 00:44:21,640
Speaker 7: think that once you start believing something, it becomes true,

864
00:44:21,640 --> 00:44:25,719
Speaker 7: whether it's positive or negative or so like uncovering what are

865
00:44:25,760 --> 00:44:28,480
Speaker 7: those limiting beliefs that are holding you back? Because we

866
00:44:28,520 --> 00:44:31,799
Speaker 7: all have them. I certainly have them as well. Like

867
00:44:31,960 --> 00:44:35,440
Speaker 7: one of my limiting beliefs is thinking that things are

868
00:44:35,440 --> 00:44:37,880
Speaker 7: too nice for me, or like, for example, when we

869
00:44:37,920 --> 00:44:40,520
Speaker 7: are looking to buy our home that we're in now,

870
00:44:41,600 --> 00:44:44,879
Speaker 7: we were looking, we were inspecting the places, and one

871
00:44:44,880 --> 00:44:47,040
Speaker 7: of the first thoughts that I had when I stepped

872
00:44:47,040 --> 00:44:50,160
Speaker 7: into this home was this place is really nice, but.

873
00:44:50,160 --> 00:44:51,160
Speaker 5: It's too nice for you.

874
00:44:51,840 --> 00:44:54,520
Speaker 7: And I'm glad that I noticed that happening here because

875
00:44:55,200 --> 00:44:57,319
Speaker 7: I was able to say, why am I saying this

876
00:44:57,360 --> 00:44:59,480
Speaker 7: to myself? But we all have this, you know, we

877
00:44:59,520 --> 00:45:02,840
Speaker 7: all have this. Is limiting beliefs that might say, oh, no,

878
00:45:03,200 --> 00:45:06,279
Speaker 7: you're not smart enough to invest or, No, people like

879
00:45:06,360 --> 00:45:10,480
Speaker 7: you they can't build financial security, or people like you

880
00:45:10,520 --> 00:45:14,080
Speaker 7: don't deserve that. So yeah, it's all about reframing those

881
00:45:14,120 --> 00:45:18,040
Speaker 7: thoughts and putting in more positive ones. And once you

882
00:45:18,080 --> 00:45:20,520
Speaker 7: can start proving to yourself that you are worthy, you

883
00:45:20,560 --> 00:45:24,200
Speaker 7: are deserving, you can do these things, it just starts

884
00:45:24,239 --> 00:45:27,120
Speaker 7: to really compound as well.

885
00:45:27,200 --> 00:45:30,560
Speaker 1: And so, Pablo, what what are you too excited? About

886
00:45:30,600 --> 00:45:32,960
Speaker 1: for the future. If you've got plans, I mean, you've

887
00:45:33,040 --> 00:45:34,960
Speaker 1: just celebrated a beautiful Father's Day.

888
00:45:35,000 --> 00:45:36,920
Speaker 3: I can imagine it must have been going. I just

889
00:45:37,320 --> 00:45:38,680
Speaker 3: what's the plans for the future.

890
00:45:39,040 --> 00:45:41,960
Speaker 6: I think we want to enjoy traveling. Was our baby

891
00:45:41,960 --> 00:45:45,799
Speaker 6: gone so I think like weather. So our wedding coming

892
00:45:45,880 --> 00:45:47,680
Speaker 6: up next year in Vietnam.

893
00:45:48,600 --> 00:45:49,720
Speaker 3: Really that's exciting.

894
00:45:50,480 --> 00:45:52,320
Speaker 4: So last year we got engaged.

895
00:45:52,360 --> 00:45:55,200
Speaker 6: For about three years, I was in Singapore, and then

896
00:45:55,280 --> 00:45:58,120
Speaker 6: last year we traveled to Thailand and Vietnam and we

897
00:45:58,160 --> 00:46:01,600
Speaker 6: really liked it, and we decided to get married in

898
00:46:01,719 --> 00:46:04,600
Speaker 6: Vietnam because it's kind of like the French culture. It's

899
00:46:04,640 --> 00:46:09,960
Speaker 6: also obviously Asian culture near Singapore, where some of his

900
00:46:10,080 --> 00:46:13,080
Speaker 6: family is from. For my family and friends, it's a

901
00:46:13,080 --> 00:46:14,360
Speaker 6: bit easier to come down.

902
00:46:15,719 --> 00:46:18,080
Speaker 2: To Australia and it's a beautiful place in the world,

903
00:46:18,200 --> 00:46:18,520
Speaker 2: isn't it.

904
00:46:18,800 --> 00:46:22,640
Speaker 6: Yes, So we're really excited about that. I don't know

905
00:46:22,719 --> 00:46:24,279
Speaker 6: if we want to move over seas or not. We

906
00:46:24,480 --> 00:46:28,080
Speaker 6: happy in Sydney. Every time we like think about moving overseas,

907
00:46:28,080 --> 00:46:31,000
Speaker 6: we come back here and we love it. Yeah, so

908
00:46:31,360 --> 00:46:33,640
Speaker 6: even like the US, we love it for growing the

909
00:46:33,680 --> 00:46:36,200
Speaker 6: content and stuff, but the lifestyle I think we love

910
00:46:36,280 --> 00:46:41,280
Speaker 6: it here, so I think more traveling, maybe another baby

911
00:46:41,320 --> 00:46:47,080
Speaker 6: after the wedding. Here you go, and obviously like growing more.

912
00:46:47,400 --> 00:46:50,640
Speaker 6: I guess transitioning our content business. Still doing content, but

913
00:46:50,800 --> 00:46:53,160
Speaker 6: now we work. Most of our money is made from

914
00:46:53,360 --> 00:46:58,040
Speaker 6: brand partnerships and affiliates and doing more bilus. So now

915
00:46:58,080 --> 00:47:01,839
Speaker 6: it's generating about five thousand a month from subscription, but

916
00:47:01,840 --> 00:47:05,040
Speaker 6: we want to grow that even more and potentially open

917
00:47:05,080 --> 00:47:08,600
Speaker 6: in other countries than Australia to be more like the

918
00:47:08,600 --> 00:47:11,959
Speaker 6: sustainable business and then the content just on the side

919
00:47:12,040 --> 00:47:13,120
Speaker 6: to often.

920
00:47:14,360 --> 00:47:16,640
Speaker 3: That's a good plan.

921
00:47:16,840 --> 00:47:18,719
Speaker 2: It is a good plan, all right. You two, we

922
00:47:18,760 --> 00:47:21,839
Speaker 2: do a thing called the rapid heartbeat, so you would

923
00:47:21,840 --> 00:47:24,960
Speaker 2: you both please answer this? Both answer the question.

924
00:47:25,480 --> 00:47:28,040
Speaker 3: Yes, okay, I'll get right.

925
00:47:30,719 --> 00:47:35,520
Speaker 2: What is the most adorable habit that you love about

926
00:47:35,600 --> 00:47:36,080
Speaker 2: each other?

927
00:47:37,080 --> 00:47:38,360
Speaker 5: I love Pablo simples.

928
00:47:38,440 --> 00:47:40,239
Speaker 9: I just thought as soon as I saw him, I

929
00:47:40,320 --> 00:47:42,560
Speaker 9: was like, the dimples are so cute, and I'm so

930
00:47:42,760 --> 00:47:46,040
Speaker 9: grateful because our daughter has them too, so it's so

931
00:47:46,160 --> 00:47:48,520
Speaker 9: cute looking at her, and I'm like, the dimples are

932
00:47:48,560 --> 00:47:49,360
Speaker 9: so cute.

933
00:47:50,160 --> 00:47:52,520
Speaker 4: Like when she makes me like a macha in the morning.

934
00:47:53,640 --> 00:47:57,840
Speaker 7: I think that Pablo is very disciplined, and I really

935
00:47:57,880 --> 00:47:59,759
Speaker 7: like that because I think if it wasn't for him,

936
00:48:00,160 --> 00:48:01,960
Speaker 7: there would be so many things that I wouldn't do,

937
00:48:02,080 --> 00:48:06,400
Speaker 7: like go to the gym, meditate and like writing. We

938
00:48:06,480 --> 00:48:09,120
Speaker 7: do a daily gratitude, but Pablo is always the one

939
00:48:09,120 --> 00:48:11,719
Speaker 7: that's like, we have to do go to the gym,

940
00:48:11,760 --> 00:48:15,520
Speaker 7: we have to do our daily gratitude and meditate and yeah,

941
00:48:15,600 --> 00:48:16,640
Speaker 7: that's really amazing.

942
00:48:16,719 --> 00:48:22,760
Speaker 3: I'm like, beautiful. What the world needs more of is love?

943
00:48:23,719 --> 00:48:24,760
Speaker 5: Yeah, love.

944
00:48:27,200 --> 00:48:28,000
Speaker 3: Where your brains?

945
00:48:30,640 --> 00:48:33,399
Speaker 2: Final question? One word to describe each other.

946
00:48:34,000 --> 00:48:39,200
Speaker 7: Cute, happiness, happiness, joyful, beautiful.

947
00:48:39,840 --> 00:48:40,360
Speaker 2: Queenie.

948
00:48:40,480 --> 00:48:42,520
Speaker 3: I have to say, Queenie, I love your name. Were

949
00:48:42,520 --> 00:48:46,200
Speaker 3: you were you christened? Were you christened queeny? Yeah, it's

950
00:48:46,200 --> 00:48:46,840
Speaker 3: not a nickname.

951
00:48:46,960 --> 00:48:48,160
Speaker 5: No, no, it's not a nickname.

952
00:48:48,280 --> 00:48:48,799
Speaker 3: I love it.

953
00:48:49,200 --> 00:48:51,520
Speaker 7: My mom is a bit eccentric, and I think she

954
00:48:51,600 --> 00:48:54,359
Speaker 7: wanted to be called Queenie and like she would wear

955
00:48:54,400 --> 00:48:56,640
Speaker 7: tiaras and stuff, so I think that's why she.

956
00:48:56,760 --> 00:48:57,880
Speaker 5: Named me Queenie.

957
00:48:58,520 --> 00:48:59,880
Speaker 3: I love it. I just have to say that.

958
00:49:00,239 --> 00:49:02,560
Speaker 2: You know, she's got a book about menopause called Queen

959
00:49:02,920 --> 00:49:07,280
Speaker 2: Menopause that's in It's in our family DNA.

960
00:49:07,360 --> 00:49:08,680
Speaker 8: Now it is.

961
00:49:09,840 --> 00:49:12,360
Speaker 2: Thank you both for coming in and sharing your wisdom

962
00:49:12,400 --> 00:49:17,759
Speaker 2: about money and life. It's fantastic. It's really the ETFs. Yeah,

963
00:49:18,080 --> 00:49:20,719
Speaker 2: done of the ETF shop and putting the extra cash.

964
00:49:21,320 --> 00:49:24,000
Speaker 1: You can download Bilrue, you can go get out the

965
00:49:24,080 --> 00:49:26,360
Speaker 1: book the Fun Finance Formula.

966
00:49:26,560 --> 00:49:28,320
Speaker 3: So there's there's lots that we can do.

967
00:49:28,400 --> 00:49:32,000
Speaker 1: And to help ourselves get financially fit.

968
00:49:32,640 --> 00:49:37,040
Speaker 4: You and you get you and the course that's great.

969
00:49:37,880 --> 00:49:39,640
Speaker 3: Speak my language, you'll be that guy.

970
00:49:39,920 --> 00:49:43,680
Speaker 2: Will be that guy, that guy. That'd be great. Thanks guys,

971
00:49:43,760 --> 00:49:46,080
Speaker 2: thanks you for having us