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Speaker 1: Kyolder Team. It is Hailey here, and today we're going

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Speaker 1: to do something a little bit different thanks to our

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Speaker 1: mates at a n z or N's. If you want

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Speaker 1: to be annoying, I'm sitting down with my fellow zidem

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Speaker 1: gal Georgia Burt, one of the four Fabulous why He

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Speaker 1: and holding it down on the market Zidem to chat

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Speaker 1: about something we don't talk about enough money Mullah Pachinga's

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Speaker 1: coin cash money. We're going to get to key we

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Speaker 1: Saver talking about building financial confidence and why it's actually

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Speaker 1: kind of empowering to know how your cash.

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Speaker 2: Is building up over the long term.

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Speaker 1: It's real, it's fun, and it might just make you

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Speaker 1: want to check your key we Saver savings after this.

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Speaker 1: So let's get into it. Hi, Georgia, Hello, Hailey. What

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Speaker 1: people don't know about us is we sort of have

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Speaker 1: this friendly on air disposition. But I want to strip

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Speaker 1: that away and admit that we don't get on.

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Speaker 2: We don't.

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Speaker 3: We honestly don't. It's really hard. Like we've joked about

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Speaker 3: like flirting with each other and stuff.

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Speaker 2: But it's all fake.

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Speaker 1: It's all fa no chemistry, nothing, absolutely nothing.

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Speaker 4: In fact, we're not even very good to contact, no look.

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Speaker 2: Away from me.

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Speaker 4: I might have to just face this wall while I talk.

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Speaker 2: So, Georgia, welcome to my podcast. You skill, you gotta go.

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Speaker 2: You got a number of them?

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Speaker 1: What Sorry, no, Georgia, listen, be serious. This is this

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Speaker 1: is about money. It is no, we don't have to

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Speaker 1: be serious, but we're talking about money, our financial futures.

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Speaker 1: Do you have you dreamed of yours much?

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Speaker 4: Not in terms of like how much I would want

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Speaker 4: or anything.

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Speaker 2: We wants, different.

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Speaker 3: Dreamed of assets I want, yeah, but in terms of

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Speaker 3: my financial future and like how big I want the

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Speaker 3: bank account to be.

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Speaker 1: Neither, you've got key we saber got keey we sabit.

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Speaker 2: I first started sort of be useless. If you didn't,

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Speaker 2: it would be actually you've had it since you first started?

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Speaker 3: What working here, working just working in general? When was

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Speaker 3: there wait I was sixteen? No, I was fifteen, so yeah,

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Speaker 3: when I was fifteen, so six sixteen years ago.

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Speaker 1: Wow, that just had sorry listeners, just a moment for

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Speaker 1: Georgia to grapple with her own age.

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Speaker 4: Sure that's quite good though, to be fair.

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Speaker 1: I had key we save it. Yeah when I got

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Speaker 1: my first proper job at a coffee shop. But I

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Speaker 1: never contributed it to it. Ever, I was a freelancer. Oh,

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Speaker 1: I did them, but then when I went then I

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Speaker 1: went to UNI, and then I came out and I

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Speaker 1: was a freelancer. We have got like opt in to

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Speaker 1: you've got to do it yourself, and so I never

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Speaker 1: did until I started working here and had an actual

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Speaker 1: salary job.

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Speaker 4: And have you noticed the impact of it since you've

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Speaker 4: done that.

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Speaker 2: It's crazy for sure.

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Speaker 1: And because you don't even really notice the contribution, you're just.

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Speaker 2: Like, that's just not my money, but it is.

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Speaker 3: It's the one bank account, well bank account kind of

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Speaker 3: thing that you never check everything else my.

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Speaker 2: Own by because you can't touch it. But have you

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Speaker 2: because you own a home, have you did you use

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Speaker 2: your key?

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Speaker 3: We save for that, used it for that, so both

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Speaker 3: my partner and I used it for our and then

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Speaker 3: now I just had a check of what it is today.

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Speaker 4: Unreal. I mean we bought the house, like what coming

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Speaker 4: up five years ago?

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Speaker 2: Yes, So it just kind of fills back up and

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Speaker 2: you see it.

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Speaker 4: And you're like, oh my god, I'm going to retire

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Speaker 4: a happy woman.

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Speaker 1: Do you feel like when you first joined keyp we

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Speaker 1: Saber as a teenager? No, you weren't tween agor you

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Speaker 1: were a full blown teenager that you understood what on

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Speaker 1: earth you were.

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Speaker 2: Doing, no idea and what it was all for.

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Speaker 3: I don't even think my parents did either, because what

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Speaker 3: did they grow up with?

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Speaker 2: Is it superper? Yeah?

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Speaker 4: And so they didn't really know.

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Speaker 3: And so even when I bought the house, I remember

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Speaker 3: my dad saying to me, what do you mean you're

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Speaker 3: taking it out? Like that's for your retirement? Yeah, And

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Speaker 3: I was like, no, no, that's for your retirements reading yeah.

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Speaker 2: Yeah, yours is yours, mine's for a home.

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Speaker 3: They didn't realize you could take it out prior to

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Speaker 3: actually retiring.

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Speaker 1: Yeah, because this is the thing, right like, and particularly

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Speaker 1: with women, which I am you are, Stop me if

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Speaker 1: I've got that wrong.

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Speaker 4: This is sight paulse just to give them a little

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Speaker 4: bit of question.

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Speaker 1: Yeah, we don't talk about money lot, let alone sort

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Speaker 1: of consciously planning for things like that.

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Speaker 2: Why do you think that is? Why do you think

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Speaker 2: the women and Wind's not talking about our finances in

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Speaker 2: the same way. I actually don't know.

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Speaker 4: Do you know?

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Speaker 3: It's funny because I like, even with talking with my mates,

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Speaker 3: we talk about everything, like everything, but when it comes

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Speaker 3: I money We've even talked about everything one hundred percent,

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Speaker 3: Like we say stuff there.

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Speaker 2: The MIC's go on, and we like, don't don't say

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Speaker 2: it here.

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Speaker 1: No, I think it's safer than it is when we're

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Speaker 1: on here.

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Speaker 2: But yeah, we talk about everything.

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Speaker 3: And it's weird because I think I feel as though

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Speaker 3: it's I don't know if it's just a Kiwi thing,

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Speaker 3: but we've grown up to just not really talk about

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Speaker 3: money or you don't talk about how much you earn

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Speaker 3: but pruder. Yeah, yeah, And I don't know whether it's

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Speaker 3: a pride thing or an embarrassment thing if you feel

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Speaker 3: like you're not making more than someone else or I

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Speaker 3: don't know, it's a weird thing.

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Speaker 1: And especially with Kiwis, there's a shift as well with

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Speaker 1: women in that like we are being maybe more proud now, prouder,

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Speaker 1: we're being prouder now private school. We've been prouder now

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Speaker 1: of earning money and being career driven, Whereas like I

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Speaker 1: think when we were younger, still just on the edge

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Speaker 1: of that, like we have the babies and we do,

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Speaker 1: you know, like a little bit more of the traditional setup,

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Speaker 1: you know, Whereas like now I think that we are

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Speaker 1: gaining more confidence to be financially independent, have our own

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Speaker 1: financial goals, our own financial dreams. So I hope that

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Speaker 1: it's shifting for the good.

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Speaker 3: Yes, same, And I wonder if it's because we've I

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Speaker 3: guess we see like people go through hardship or whatever

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Speaker 3: and say that they haven't worked, or they did work,

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Speaker 3: but they weren't earning much money and so they were like, oh,

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Speaker 3: I wanted to have kids and blah blah blah. So

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Speaker 3: they change their mindset as we've seen people go, oh, wait,

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Speaker 3: I need to be doing this for myself because I

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Speaker 3: don't have anything that fills that part of my brain

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Speaker 3: for sure, or that.

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Speaker 4: I feel like I've earned that money to spend.

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Speaker 2: I don't know.

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Speaker 4: It's a weird thing.

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Speaker 2: It is.

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Speaker 1: Have you on your key with saber junity because I

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Speaker 1: have done this multiple times actually throughout changed providers or funds, Yes,

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Speaker 1: a few times.

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Speaker 2: What made you do it?

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Speaker 4: So? I was worth one for years? I was first

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Speaker 4: put in.

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Speaker 1: You just get selected for you ain't and I didn't

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Speaker 1: really need it, okay.

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Speaker 3: Because someone gave us a sort of a way to go,

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Speaker 3: and then they changed names quite a few times. I

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Speaker 3: remember Mum and dad just being like, oh, you might

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Speaker 3: want to just shift because like, no, no, no, it

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Speaker 3: doesn't seem legit.

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Speaker 2: The company was changing names.

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Speaker 4: Yeah, I can't remember.

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Speaker 2: Is this the mafia?

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Speaker 3: To be honest, at this point, I didn't even really

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Speaker 3: like focus on what was in my KEYPI saber until

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Speaker 3: I was like, oh, they're going to buy a house.

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Speaker 3: At that point, you then here and I remember I

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Speaker 3: switched it to a bank, and then I switched it

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Speaker 3: from that bank to another bank, so I actually were

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Speaker 3: the bank.

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Speaker 1: I also changed how aggressive mine was same, I am

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Speaker 1: man because I used mine as well to buy my

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Speaker 1: first house what was in it, and now topping it up,

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Speaker 1: It's like I can't do that again, so why not

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Speaker 1: be aggressive?

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Speaker 4: Exactly my thoughts too.

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Speaker 1: Yeah, and I took some advice as well from the bank.

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Speaker 1: I actually called the bank and like should I do this?

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Speaker 1: And they said yes, because like you're young, thank you,

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Speaker 1: I said, And I'm literally thirty years away from being

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Speaker 1: able to access this, so there's a bit of wiggle

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Speaker 1: room for it to go down and up and be

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Speaker 1: more aggressive.

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Speaker 2: But that's the thing.

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Speaker 1: You can just literally call the bank and ask for

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Speaker 1: that advice and go, what do you reckon?

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Speaker 2: Given my goals that I have for this fun.

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Speaker 4: Oh, I see that, Sandy.

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Speaker 3: I also only did mine probably three weeks ago, because

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Speaker 3: I looked at it, I was like, oh, hasn't really

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Speaker 3: changed that much in the last like six months or

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Speaker 3: so aggressive by changing.

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Speaker 4: It three weeks ago.

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Speaker 3: I looked at it a little bumps literally this morning,

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Speaker 3: and I'm like, we had over that.

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Speaker 1: Yeah, most way quicker than I thought. So it's worth it,

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Speaker 1: for sure. If you had some advice.

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Speaker 2: I love this. I always love reflecting back.

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Speaker 1: If you had some advice for your younger self when

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Speaker 1: it came to money in conversations or thinking about your future,

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Speaker 1: what would it be Save more?

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Speaker 4: Literally, save more?

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Speaker 3: I think because I am married to a banker as well,

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Speaker 3: so shit of course, So when you marry a banker,

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Speaker 3: or you like meet someone that's so good with putting

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Speaker 3: everything away and all.

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Speaker 4: That jazz, you still sit in there.

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Speaker 5: Like hello, la la la, and you're like, oh no,

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Speaker 5: if we do want to buy a house, I want

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Speaker 5: to make sure that as much of it as yours

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Speaker 5: as it is mine, and that we have put the

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Speaker 5: money in, and.

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Speaker 3: That it feels like a collaborated thing. And so I

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Speaker 3: wish I had had. I mean, we've been together nearly

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Speaker 3: twelve years. But I wish that I'd had that sort

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Speaker 3: of mentality a lot earlier.

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Speaker 1: Yes, you do think about time lost and all the

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Speaker 1: savings not made, Yes, but you have to just think like,

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Speaker 1: it's never too late.

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Speaker 2: I think that's the thing. It's like today with anything,

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Speaker 2: it's never too late.

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Speaker 1: If you just started today, it's better than studying tomorrow,

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Speaker 1: which is better than starting next year exactly.

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Speaker 3: And I also, okay, this is totally sort of on

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Speaker 3: the same line. I would not just totally sort of

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Speaker 3: totally sort of the same. I would not just buy

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Speaker 3: crappy clothes and a lot of them, because I think

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Speaker 3: that's where a lot of my money.

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Speaker 2: Dude, I know I've been doing a wardrobe clearer at

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Speaker 2: the moment.

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Speaker 1: Now, if that amount of money that I'd spent on

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Speaker 1: those clothes went into Keiwi saver and an aggressive.

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Speaker 2: Fund, well I'll be looking pretty pretty right now. Instead,

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Speaker 2: I don't have a sound beautiful, no, no, I'll be

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Speaker 2: like looking pretty Financially, I know I'm beautiful. You don't

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Speaker 2: need to of that.

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Speaker 1: Late twenties and the most but honestly, I'm the same.

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Speaker 2: I'm the same.

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Speaker 1: I love to spend and I don't often think about

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Speaker 1: my financial future.

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Speaker 2: It's almost like I'll deal with it later.

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Speaker 1: And then every year later it gets closer and I'm

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Speaker 1: nearly forty, and then you're.

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Speaker 2: Like, well, what is my plan? How do I want

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Speaker 2: to retire? When you let the end and I've thoroughly

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Speaker 2: enjoyed this same do you have it? Sorry? That same

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Speaker 2: was so disingenuous.

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Speaker 4: You know, I can't do sarcasm, and now, okay.

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Speaker 2: Do your sarcasm.

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Speaker 1: So if people listen to this particular episode haven't heard Georgia, Okay,

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Speaker 1: I'm wearing the ugliest scarf, let's say, and I want

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Speaker 1: you to be like, Okay, cool scarf. That's how I

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Speaker 1: beil it. If you said to me, oh my god,

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Speaker 1: do you let my scarff? I'll be like, oh yeah,

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Speaker 1: that's the coolest scarf.

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Speaker 3: Ever.

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Speaker 4: No, but I'm not going to do that to you. Okay, wait, okay, okay,

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Speaker 4: go do you have my scarff?

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Speaker 5: Oh?

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Speaker 2: Yeah, no, that's just lying. Sarcasm is different. God, you're

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Speaker 2: really good at sarcasm. That was sarcasm.

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Speaker 3: Oh oh, your scaff's really nice.

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Speaker 2: What is wrong with this woman?

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Speaker 1: It's weird to experience such inadequacy here with you this

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Speaker 1: is away with money and asking you about some advice

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Speaker 1: for people, not financial advice, because we've just heard and

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Speaker 1: that's not not your job to give financial advice because

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Speaker 1: I wouldn't be good at it. Some advice maybe on

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Speaker 1: how to get the conversation started, even between friends, like

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Speaker 1: for young women in particular, how could we start talking

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Speaker 1: about our financial futures more.

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Speaker 4: Maybe I think it's a trust thing. I think it

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Speaker 4: stems it from a trust thing.

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Speaker 3: But if you're willing to trust them with some of

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Speaker 3: the biggest secrets in your personal life anyway, yeah, then

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Speaker 3: this your be some element of trust in talking about money,

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Speaker 3: because at the end of the day, it's kind of

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Speaker 3: the same thing. But what are they going to do?

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Speaker 3: Tell so and so's mother and father and sister. It

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Speaker 3: doesn't matter because then you're living your life and you've

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Speaker 3: gone probably going to go through harder things that you're

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Speaker 3: going to share with them than you are money. So

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Speaker 3: I honestly do think it stems from a trust thing

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Speaker 3: or an embarrassment thing. So it's getting over that hurdle

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Speaker 3: and kind of going if I can talk to them

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Speaker 3: about some of my own personal things, pimples.

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Speaker 2: Pimples.

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Speaker 3: My end that make me feel so insecure. Your biggest

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Speaker 3: in securities, right, money shouldn't be one of them. Yeah, totally.

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Speaker 3: And if it is, and you're going through a hard

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Speaker 3: time financially, then talking to them about how I can

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Speaker 3: get out of that hard time getting advice.

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Speaker 1: Yeah, she's she's actually marveled herself of their own wisdom.

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Speaker 2: Wild.

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Speaker 1: Can we just clip that out and so Georgie could

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Speaker 1: put that on your CV Wisdom Provider.

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Speaker 3: Because I honestly believe that that's where it steems from.

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Speaker 3: Because what other reason is it that we don't but

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Speaker 3: to be fear like?

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Speaker 4: Does anyone when we talk about money?

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Speaker 2: No, I mean not.

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Speaker 1: It's definitely one of our least talked about things. But

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Speaker 1: women in particular, we're so bad at it, and that's

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Speaker 1: why we're doing this. Georgia Burt, thank you so much

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Speaker 1: for joining me anytime.

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Speaker 2: No, it's one and done.

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Speaker 4: It was an absolute pleasure.

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Speaker 2: Is you trying to do you're trying to do psychism?

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Speaker 2: Oh god, the pleasure was all mine. That's how I

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Speaker 2: do it. Oh wait, Oh my god, I had the

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Speaker 2: time of my life.

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Speaker 4: Oh my god, I had the time of my life.

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Speaker 2: It's like it's the weirdest thing,