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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming through.

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Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and

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Speaker 1: the storytelling of you to make a difference for today

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Speaker 1: and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 2: Hello and welcome to The Money the Podcast Millennials who

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Speaker 2: want financial freedom. Welcome back to another one of our

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Speaker 2: Money Diary episodes where I get the absolute privilege of

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Speaker 2: sitting down with oneever beautiful community members and learning all

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Speaker 2: about their journey. Let's jump straight into it, because this

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Speaker 2: week I got a message and it sounded just like this. Hi, Victoria.

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Speaker 2: It has been a huge journey for me from meeting

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Speaker 2: the love of my life and following him to Australia

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Speaker 2: and leaving behind my dream job and my life only

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Speaker 2: to find out that that relationship was toxic. Fortunately, I'm

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Speaker 2: now reclaiming my self worth and I'm back on track.

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Speaker 2: I'm sure many people in the community will relate to

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Speaker 2: this story. Oh my gosh, they totally will. I'm so

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Speaker 2: excited to have you on the show money Drest.

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Speaker 4: Welcome, all welcome, thank you.

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Speaker 2: Oh my gosh, I want to know so much about you. First,

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Speaker 2: cab off the rank as always. What money grade would

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Speaker 2: you give yourself if I asked you to give your

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Speaker 2: money grades a rating between A through to F.

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Speaker 4: Yeah, I think I'd actually give myself an AUS.

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Speaker 2: No, Okay, I love this. You really are claiming yourself

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Speaker 2: worth back.

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Speaker 4: Yes, I am a queen.

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Speaker 2: Alright, let's jump into my favorite question of all time,

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Speaker 2: money diarist. Can you please share some more information with

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Speaker 2: me about your money story? Yeah?

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Speaker 4: Absolutely so. I moved to Australia in twenty seventeen and

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Speaker 4: at the time I was the event and tour manager

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Speaker 4: for a major global band.

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Speaker 2: Yeah, I know, and you told me before, and like

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Speaker 2: it is really really major so gold.

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Speaker 4: Yeah, it was good. I was living the dream. I

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Speaker 4: was having these amazing life experiences. I was making decent money,

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Speaker 4: but it was one of those jobs where I was like,

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Speaker 4: I'm happy making this amount of money because of the

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Speaker 4: life experiences I'm getting. And then, as you introed, I

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Speaker 4: met a Nazie man while we were both traveling and

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Speaker 4: I ended up moving to Australia in twenty seventeen. So

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Speaker 4: money wise, I continued doing that same job for about

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Speaker 4: three years actually after I moved here.

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Speaker 2: Oh my gosh, but.

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Speaker 4: The money started getting smaller and smaller because what I

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Speaker 4: could do from Australia was a lot less. Yeah, okay,

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Speaker 4: so I wasn't making too much. I was making the

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Speaker 4: bare minimum and everything was actually fine. There was nothing

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Speaker 4: wrong with that. It was actually really okay. And then

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Speaker 4: I was working through my company and Canada at the time,

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Speaker 4: and then I got my Australian visa, which is really

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Speaker 4: when I started my business here in Australia. And then

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Speaker 4: I started making more and more and more money now

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Speaker 4: that I could pick up Australian clients. So yeah, I

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Speaker 4: went from okay money to almost minimal money to where

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Speaker 4: I am now, where I'm making good money.

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Speaker 2: Yeah, how good? Yeah, what's the butt? I know there's

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Speaker 2: a butt.

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Speaker 4: Well there's not a butt really, it was more just

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Speaker 4: sort of the journey of what was happening during that

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Speaker 4: money thing because my relationship, which I loved and adored,

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Speaker 4: I didn't see it for quite some time how money

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Speaker 4: was impacting that. So I was in a relationship where

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Speaker 4: when I was making little to no money, everything was

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Speaker 4: actually great. And it was when I started making my

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Speaker 4: own money and making a lot of money that the

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Speaker 4: problem started presenting themselves.

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Speaker 2: Oh wow, and yeah, how did they kind of manifest?

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Speaker 2: You know, you see this happen sadly often where it

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Speaker 2: actually is a power dynamic thing where you know, the

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Speaker 2: male in the relationship goes but I'm the bread winner,

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Speaker 2: and you know, they don't realize maybe they're doing it,

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Speaker 2: but like they just like to be the man of

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Speaker 2: the house, right, They make a big dollars and then

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Speaker 2: when their wife starts bringing in a bit more, they're like, oh,

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Speaker 2: I don't really like this. What did that look like

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Speaker 2: for you?

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Speaker 4: Yeah? And I will say I don't think it was

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Speaker 4: intentional at all, Like he, to be fair, did not

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Speaker 4: have a malicious bone in his body, which makes it

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Speaker 4: even harder to actually see it for what it is

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Speaker 4: when it's so casual. The first time it really presented

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Speaker 4: itself that took me time to realize what it was

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Speaker 4: was he did as you advocate for all the time,

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Speaker 4: ask for a fine ancial arrangement, which I was happy to sign. Yeah,

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Speaker 4: So to sign an agreement, I was very responsible, very

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Speaker 4: above board. We never ended up going through and doing one, Yeah,

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Speaker 4: and I never quite understood why. And I thought, oh,

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Speaker 4: maybe he just wasn't worried about it, which was silly

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Speaker 4: of me to think.

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Speaker 2: Yeah, it's always the way, right, Yeah, when you're in love,

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Speaker 2: you're like, I trust this person one thousand percent.

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Speaker 4: Because we both got our own lawyers, because you have

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Speaker 4: to get your own advice, and they want to make

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Speaker 4: sure you're not coerced into signing it, and they run

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Speaker 4: through all the scenarios with you that could potentially make

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Speaker 4: it an a one boid.

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Speaker 2: Yeah.

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Speaker 4: What I've realized in hindsight was he presented this to

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Speaker 4: me saying, you know, I want to get one within

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Speaker 4: one hour of us submitting for my partner visa.

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Speaker 1: What.

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Speaker 4: Yeah, So he's like, all right, obviously, you know I'm serious,

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Speaker 4: Like we just submitted for this big visa. And then

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Speaker 4: he's like, now that we've done this, I want a

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Speaker 4: financial agreement, okay, which to me I'm like, fine, I

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Speaker 4: don't care about.

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Speaker 2: Doing that already, maybe it makes sense, like yeah, yeah,

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Speaker 2: all right, I can see where you're coming from with

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Speaker 2: just being like yeah whatever.

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Speaker 4: Yeah, but in the eyes of the law, yeah, talking

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Speaker 4: about coercion, that would forever present an argument that me

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Speaker 4: not signing the agreement would have affected my visa and

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Speaker 4: my ability to stay in the country.

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Speaker 2: Oh my gosh, it would have too. Did you think

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Speaker 2: about that at the time or were you just like, no, no, no, babe,

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Speaker 2: that's fine, let's do like this financial thing because like

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Speaker 2: we're on a roll.

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Speaker 4: Yeah. No, I didn't think of it at all, And

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Speaker 4: I would have never felt coursed.

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Speaker 2: I would never.

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Speaker 4: Sign something I'm not comfortable with. And of course, but

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Speaker 4: the argument was there as a result of how that

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Speaker 4: played out forever.

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Speaker 2: Right, yeah, oh my gosh.

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Speaker 4: And it took me a long time to realize that's

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Speaker 4: what happened, and that's why he kind of dropped it.

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Speaker 4: But what happened after that was there was no point

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Speaker 4: where he ever felt comfortable with a financial arrangement. So

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Speaker 4: as I started becoming more successful and I was thinking

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Speaker 4: about buying a house and I'm thinking about to do

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Speaker 4: these things and I'm thinking about wanting to do them

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Speaker 4: with him, of.

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Speaker 2: Course, because you're in a marriage and you're like, we

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Speaker 2: are in love, well, partnership, yeah, but like you were serious. Yeah,

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Speaker 2: And I guess I use marriage flippantly because you know,

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Speaker 2: to me, it doesn't matter whether you are you or not.

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Speaker 2: But like, clearly you moved across the world for him,

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Speaker 2: so you weren't just like casually dating on the side.

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Speaker 4: You know exactly. But what happened from that moment on?

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Speaker 4: I was always a financial liability before I was a partner. Yeah, okay,

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Speaker 4: and that started to grow and grow as I became

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Speaker 4: more successful. No, yeah, and it doesn't feel good.

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Speaker 2: I can imagine. And then what happened then? Were you

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Speaker 2: like I just can't deal with this? Was just like,

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Speaker 2: you know, a cause of like lots of arguments in

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Speaker 2: your relationship? Or was this like an underlying thing? How

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Speaker 2: did it? I guess manifest day to day?

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Speaker 4: Yeah, very underlying. So for quite some time it was good.

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Speaker 4: I was big into you know, wanting to carry my

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Speaker 4: own weight and keeping things fifty fifty.

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Speaker 2: Like a queen.

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Speaker 4: Yes. And then one thing now that I would advocate

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Speaker 4: for anyone because when I was making less and we

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Speaker 4: moved into a new place. We talked about the finances.

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Speaker 4: We agreed that he would pay three weeks of the

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Speaker 4: rent out of every four I'd pay one week, and

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Speaker 4: then I'd pay the utilities.

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Speaker 2: Okay, and we.

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Speaker 4: Thought that's probably fair. He was making at that time

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Speaker 4: about three times as much as I was.

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Speaker 2: Okay, so you split it based on I guess, relationship

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Speaker 2: equity and equality like looked at it and went, oh,

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Speaker 2: it's the fairest like outcome here. At that time, that

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Speaker 2: was the idea. Yeah.

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Speaker 4: What we didn't do, and I would do and tell

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Speaker 4: anyone to do moving forward, was actually write down what

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Speaker 4: those utilities and other expenses entailed.

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Speaker 2: Yeah, okay, because they do add up and sometimes you

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Speaker 2: don't notice.

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Speaker 4: As I was thinking about how everything was playing out

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Speaker 4: and I was still in the relationship, I wrote it

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Speaker 4: all down, and I was paying sixty percent of our

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Speaker 4: bills while he was making three times as much as me.

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Speaker 2: You were like, at the time, this made sense, but

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Speaker 2: it isn't really mass.

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Speaker 4: Yeah. We didn't actually right down the math. We were

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Speaker 4: just like that sounds right.

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Speaker 2: Yeah, and you trust each other, so like, why would

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Speaker 2: that matter, Like we're both on the same page. Yeah, cheers.

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Speaker 4: Yeah. So I was kind of realizing all these things.

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Speaker 4: And the big turning point for me one day was

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Speaker 4: I was heading out to go to work and he

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Speaker 4: was getting ready, and I thought, Oh, where are you

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Speaker 4: off to He's like, Oh, I'm going to the bank.

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Speaker 4: I'm like cool, what are you doing there? He's like, Oh,

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Speaker 4: I'm putting an offer and on a house, so I've

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Speaker 4: got to go sign all the paperwork.

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Speaker 2: Sorry, so what Yeah?

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Speaker 4: And we hadn't talked about it, nothing, didn't mention he

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Speaker 4: was by and I knew he'd been looking a long

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Speaker 4: time on risk.

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Speaker 2: How long have you been together at that point?

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Speaker 4: Built four and a half years?

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Speaker 2: Absolutely not, so what the heck?

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Speaker 4: Yeah, this was a turning point this day.

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Speaker 2: Oh my god, And like, come on, tell us what

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Speaker 2: happened In that moment.

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Speaker 4: I went silent because I was like, I need to

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Speaker 4: process this.

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Speaker 2: Surely it's a joke, Like surely.

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Speaker 4: And I knew he'd been looking for rentals, but yeah,

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Speaker 4: it's one thing to be looking for a year casually

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Speaker 4: on your phone.

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Speaker 2: I look on real estate, dot com, dot you all

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Speaker 2: the time. It's like a like, I don't think my

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Speaker 2: husband would look at me and be like oh, I'm

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Speaker 2: just trying to buy a house without my consent, Like

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Speaker 2: I'm just pervy, you know, Like that's not a weird habit.

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Speaker 4: Well what happened was he laughed and I laughed, and

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Speaker 4: I'm stealing on it and I'm calling my friends and I'm.

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Speaker 2: Like, can you just like fact check me? Like I'm

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Speaker 2: not like unhinged for being mad about this, right, Like

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Speaker 2: you're just checking in to make sure that's normal.

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Speaker 4: Right exactly. I'm like, is this normal? Should I be

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Speaker 4: mad about this? And everyone was like, yes, you should be.

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Speaker 4: I would not be okay, And I'm like, okay, this

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Speaker 4: is valid to be mad.

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Speaker 2: I like that. As women, we often seek validation for

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Speaker 2: our own feelings, even though your feelings are so valid

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Speaker 2: and you feel what you feel and you don't need that.

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Speaker 2: But I'm the same, Like, if I'm grumpy about something,

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Speaker 2: first thing I do, I'm like, call friend. I'm like, hey,

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Speaker 2: so like this is going on and these are my thoughts.

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Speaker 2: Let's be honest. Half the time, your friends are absolutely

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Speaker 2: gonna go money diarist. We love you. Yeah, you're right

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Speaker 2: even if you're wrong, So like we just need the validation.

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Speaker 4: Though hey, yeah I definitely did the calling around. I'm like,

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Speaker 4: what is this?

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Speaker 2: Is this unhinged or what? And then what happened?

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Speaker 4: To be honest, I stressed myself out so much that day,

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Speaker 4: like a ball of rage. I ended up in the

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Speaker 4: hospital and had to get my gallbladder out that night.

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Speaker 2: Well, no you didn't.

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Speaker 4: Yeah, the rage like manifested so strongly. Ooh no. So

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Speaker 4: I was in the hospital for a few days and

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Speaker 4: then recovering for a few weeks. So I didn't bring

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Speaker 4: it up because I'm like, this is not a conversation.

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Speaker 4: And then a few weeks later, I said, so, what

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Speaker 4: happens that day? And he's like, oh, someone else put

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Speaker 4: in a better offer.

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Speaker 2: But he hadn't even mentioned it until a couple of

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Speaker 2: weeks later, and you were like, Hey, what happened to that?

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Speaker 2: Did you buy a house that day? Because like you

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Speaker 2: didn't come home and give any outcome? Yeah, what the heck?

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Speaker 4: And I said, oh, well that's probably good because I

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Speaker 4: don't think we would have been able to stay in

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Speaker 4: this relationship if it did. He was just blindsided.

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Speaker 2: He's like, what how would you be blindsided by that? Sir?

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Speaker 4: What do you mean? Like, because he viewed and this

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Speaker 4: is something I'm hoping he's worked on conversations as asking

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Speaker 4: for permission. What it's a very unhealthy mindset.

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Speaker 2: You reckon?

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Speaker 4: Yeah, like to talk to me about it would have

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Speaker 4: felt to him like he had to have my permission

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Speaker 4: to do it.

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Speaker 2: So instead, what I'll do is I'll just be really

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Speaker 2: secretive and hid this really big financial decision from you

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Speaker 2: and then just let you know that your opinion didn't

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Speaker 2: mean anything to me.

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Speaker 4: Yeah. Oh I could cry hearing that, but it's true.

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Speaker 2: That's really nice of him to see it that way.

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Speaker 2: Were you okay? Like what happened? So obviously that's a

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Speaker 2: big conversation and he didn't see it coming.

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Speaker 4: What happened after that because he was still looking for rental,

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Speaker 4: I will say he did start trying to pull me

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Speaker 4: in a little bit more because he was getting more

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Speaker 4: serious about buying an investment property. Nice to him, so

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Speaker 4: he started asking me and I was like, oh, this

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Speaker 4: is really good, Like he kind of got it. But

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Speaker 4: then then there were just all these moments and I

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Speaker 4: call them little moments, but I feel like my therapist

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Speaker 4: would kill me. They weren't little moments.

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Speaker 2: We say little moments because along the way you don't notice.

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Speaker 2: But in hindsight, you look back and you go, well,

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Speaker 2: the little things are actually the big things.

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Speaker 4: Yeah, Like I hit some like a financial milestone. I

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Speaker 4: made my first when I realized I was going to

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Speaker 4: make a hundred thousand in one year, queen. Yeah, I

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Speaker 4: was like so happy. And I told him and he

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Speaker 4: was just like, but you're not really making that, Like

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Speaker 4: you have to pay tax on that, you have expenses,

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Speaker 4: Like you're not actually making anywhere near that.

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Speaker 2: Get in the bea. It doesn't matter, like I am

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Speaker 2: hitting a milestone in my business. No, absolutely, you deserve

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Speaker 2: a cheerleater. You don't deserve some dude who questions everything

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Speaker 2: about your being. Absolutely not.

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Speaker 4: And that's when I started turning to my friends, and

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Speaker 4: my friends were like, that's amazing, Da da.

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Speaker 2: Da, that's the energy we're looking for.

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Speaker 4: So I stopped telling them about my milestones after that

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Speaker 4: because I didn't want to be brought down a peg,

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Speaker 4: which is never a good sign.

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Speaker 2: No, that's a really bad sign. But yes, I completely

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Speaker 2: understand why you might have done that.

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Speaker 4: Yeah. And then I think the final nail in the coffin,

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Speaker 4: which for me me was such a big moment, for him,

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Speaker 4: it was probably so insignificant he doesn't even remember saying it.

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Speaker 2: Yeah, it's always the way, isn't it.

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Speaker 4: Yeah, we were both off work. It was during the week.

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Speaker 4: He'd been on the computer all day. I was doing

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Speaker 4: other things, and like in the evening I went over

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Speaker 4: and I was like, hey, like, do you want to

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Speaker 4: do something You've been on the computer all day, Like

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Speaker 4: I'd like to do something cute. And he looked at

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Speaker 4: me and he said, I've made more money sitting here

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Speaker 4: today than you make in a month.

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Speaker 2: Sorry, that's not even related, sir, When it's not related

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Speaker 2: to what are you trying to get out of saying

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Speaker 2: this to me? Like, sometimes I think you just have

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Speaker 2: to ask someone like did you mean to be disrespectful?

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Speaker 2: You were trying to be like constructive, Like could you

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Speaker 2: just let me know where this conversation was going, because

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Speaker 2: like I'm not getting it.

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Speaker 4: If I ever encountered a moment like that again, like

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Speaker 4: how I respond would be very different. But in that moment,

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Speaker 4: I just like looked at him and smiled and walked away.

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Speaker 4: But like as I walked away, my knees felt like

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Speaker 4: they were going to collapse. It was like I died

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Speaker 4: on the inside.

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Speaker 2: You do not need someone in your life. Who drags

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Speaker 2: you down like that? That's actually discuss and I'm so

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Speaker 2: sorry you had to go through that.

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Speaker 4: Yeah, because he told me. Also, he was like, I

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Speaker 4: would never buy a house with you unless xyz, like

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Speaker 4: I meet certain conditions.

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Speaker 2: Oh the criteria. Yeah, okay, no worries.

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Speaker 4: There's a way to have that conversation. And starting it

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Speaker 4: off with I would never unless it's not the way

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Speaker 4: to have it.

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Speaker 2: Absolutely not, because we're either a team or we're not.

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Speaker 2: Are we not meant to be a team? And my

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Speaker 2: success is your success and like, you know, if I'm

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Speaker 2: not doing well, your job is to, like, you know,

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Speaker 2: pump me up and vice versa. Like life is a journey.

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Speaker 2: It's not just about like doing one thing. But like

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Speaker 2: if we're on a team, we're on a team. We've

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Speaker 2: been here for four and a half years now, Like

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Speaker 2: this is pretty serious. Not oh you have to meet

348
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Speaker 2: my criteria. Who did you borrow that confidence from? Because

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Speaker 2: it shows hell not yours.

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Speaker 4: Yeah. And after that moment, because I felt so worthless

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Speaker 4: by this point, oh no, Like even though I was

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Speaker 4: making good money, I felt like I was so worthless.

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Speaker 4: So I went to a mortgage broker and was like yeah,

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Speaker 4: how much could I get on my own? Like if

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Speaker 4: we're both going to buy our own houses and do

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Speaker 4: this on our own, And they gave me the dollar

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Speaker 4: amount and I was like, hold on, and that was

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Speaker 4: such like a good moment where I'm like, why do

359
00:16:11,360 --> 00:16:14,600
Speaker 4: I feel so worthless when I can do so much

360
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Speaker 4: on my own? Like I don't even need him to

361
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Speaker 4: buy a house?

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Speaker 2: Yeah exactly.

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Speaker 4: And that was the turning point where I think after

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Speaker 4: I started exploring, that was when I started being ready

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Speaker 4: to leave.

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Speaker 2: Yeah good? And then what did that look like? So

367
00:16:26,280 --> 00:16:29,040
Speaker 2: confidence back? You're like, actually, I really don't need you, sir,

368
00:16:29,120 --> 00:16:32,560
Speaker 2: and your audacity is starting to become the centerpoint of

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00:16:32,600 --> 00:16:35,680
Speaker 2: our relationship and I'm not here for that. When did

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Speaker 2: you just be like, O, hey, sir, you can buy

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Speaker 2: your house with yourself for yourself, cause you're going to

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Speaker 2: need to relocate.

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Speaker 4: I think it took only a couple months from then.

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Speaker 4: I think it was pretty quickly from that conversation with

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Speaker 4: a mortgage broker to saying, if I'm gonna do all

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Speaker 4: these things on my own anyways, I'm going to be

377
00:16:52,320 --> 00:16:52,800
Speaker 4: on my own.

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Speaker 2: Yeah good.

379
00:16:53,640 --> 00:16:55,240
Speaker 4: And it only took a few months. And when I

380
00:16:55,240 --> 00:16:58,440
Speaker 4: said the words. The exact words were, I think it's

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Speaker 4: time for us to accept that we're not partners.

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Speaker 2: And how did that go? Was that toxic? Is that

383
00:17:03,720 --> 00:17:05,880
Speaker 2: an easy? Like change?

384
00:17:06,480 --> 00:17:09,359
Speaker 4: It was devastating, Like we were both sobbing, like it

385
00:17:09,400 --> 00:17:12,240
Speaker 4: was horrible. Yeah, but I'd made my decision at that point.

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Speaker 2: I'm proud of you. And then tell me about after

387
00:17:15,320 --> 00:17:18,359
Speaker 2: Obviously that was a while ago. How long ago was that?

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Speaker 2: And what are you doing now?

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00:17:20,240 --> 00:17:24,639
Speaker 4: Yeah? So that was May twenty twenty two, and I

390
00:17:24,640 --> 00:17:26,960
Speaker 4: don't know what's happened since then, but like, there's so

391
00:17:27,080 --> 00:17:29,639
Speaker 4: much to say for your energy. I've gone through the

392
00:17:29,720 --> 00:17:33,399
Speaker 4: roof since then. I'm beyond my own capacity business wise.

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Speaker 2: Yes, going how good is that?

394
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Speaker 4: It's actually really good? Like I'm so proud of myself.

395
00:17:38,240 --> 00:17:40,840
Speaker 4: And I will say it was a couple months after

396
00:17:40,880 --> 00:17:43,720
Speaker 4: we broke up. I had my first twenty thousand dollars

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Speaker 4: in one month.

398
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Speaker 2: No, you didn't, how good?

399
00:17:46,920 --> 00:17:49,400
Speaker 4: Yeah, but the very first thing I did was break

400
00:17:49,440 --> 00:17:53,000
Speaker 4: down and sob. I was so sad because my first

401
00:17:53,040 --> 00:17:55,840
Speaker 4: thought was, oh, I could still cry saying this was

402
00:17:55,920 --> 00:17:58,000
Speaker 4: that wouldn't have been good enough for him? Like that

403
00:17:58,119 --> 00:17:59,240
Speaker 4: was my very first thought.

404
00:17:59,560 --> 00:18:02,720
Speaker 2: Rather than celebrate no, we're celebrating that. I'm so sorry

405
00:18:02,720 --> 00:18:05,359
Speaker 2: that that was your SPADs, But like we're not there

406
00:18:05,400 --> 00:18:07,879
Speaker 2: now are we? Like now when you have epic milestones,

407
00:18:07,880 --> 00:18:09,240
Speaker 2: how are we celebrating them?

408
00:18:09,400 --> 00:18:11,760
Speaker 4: Oh it's good now, Like I had my first thirty

409
00:18:11,800 --> 00:18:15,199
Speaker 4: thousand dollars a month and that was when my brain went, oh,

410
00:18:15,240 --> 00:18:17,080
Speaker 4: there was no amount that would have been good enough,

411
00:18:17,240 --> 00:18:18,520
Speaker 4: Like this is such a win for me.

412
00:18:19,160 --> 00:18:21,280
Speaker 2: Yeah, one hundred percent. And we need to shift that

413
00:18:21,359 --> 00:18:22,080
Speaker 2: mindset now.

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00:18:22,080 --> 00:18:24,000
Speaker 4: When I hit milestones, I just like do a little

415
00:18:24,000 --> 00:18:25,600
Speaker 4: shimmy and I celebrate and I'm happy.

416
00:18:25,840 --> 00:18:28,320
Speaker 2: Yeah, one hundred percent. Oh my gosh. All right, so

417
00:18:28,840 --> 00:18:32,560
Speaker 2: you've mentioned obviously some pretty big sums, which is very,

418
00:18:32,640 --> 00:18:35,440
Speaker 2: very impressive. We need to know now, like you can't

419
00:18:35,480 --> 00:18:37,200
Speaker 2: just hold that back. What do you do for work?

420
00:18:37,320 --> 00:18:39,439
Speaker 2: How much money do you actually earn? My friend?

421
00:18:39,760 --> 00:18:41,679
Speaker 4: Well, not every month is like that. I run my

422
00:18:41,680 --> 00:18:46,800
Speaker 4: own event management business, running primarily corporate events all around Australia,

423
00:18:47,720 --> 00:18:51,920
Speaker 4: going international. This year, last financial year, I made two

424
00:18:52,040 --> 00:18:53,200
Speaker 4: hundred and eight thousand dollars.

425
00:18:53,480 --> 00:18:58,919
Speaker 2: Oh my gosh, what No, you didn't what a queen. Yeah,

426
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Speaker 2: I'm so proud of you. Thank you, And you're about

427
00:19:02,880 --> 00:19:05,240
Speaker 2: to take over the world because you're saying that your

428
00:19:05,320 --> 00:19:08,040
Speaker 2: capacity is at its peak. So tell me what's the

429
00:19:08,080 --> 00:19:09,080
Speaker 2: plan for business.

430
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Speaker 4: Well, I'm at this weird spot in business where like,

431
00:19:13,280 --> 00:19:14,439
Speaker 4: to grow, I have to spend.

432
00:19:14,720 --> 00:19:16,880
Speaker 2: Yeah, I don't like that part. I got there and

433
00:19:16,960 --> 00:19:19,520
Speaker 2: it makes you feel sick. You're like, but I don't

434
00:19:19,560 --> 00:19:23,120
Speaker 2: want you spend. I just worked really hard for this cash.

435
00:19:23,400 --> 00:19:25,840
Speaker 4: Yeah, I'm in a bit of a holding pattern right now,

436
00:19:25,840 --> 00:19:27,240
Speaker 4: just because I am building a house.

437
00:19:27,600 --> 00:19:30,560
Speaker 2: Oh of course you are. She's earning megabucks. You don't

438
00:19:30,560 --> 00:19:32,080
Speaker 2: need no, man, No, I do not.

439
00:19:32,680 --> 00:19:33,639
Speaker 4: I don't think any of us do.

440
00:19:33,720 --> 00:19:35,959
Speaker 2: To be honest, we really don't. And you know what,

441
00:19:36,480 --> 00:19:38,720
Speaker 2: another human doesn't make us a whole, Like we just

442
00:19:38,760 --> 00:19:41,320
Speaker 2: want another human so that we can share our joy

443
00:19:41,400 --> 00:19:43,400
Speaker 2: and our journey. And I think that that's the way

444
00:19:43,440 --> 00:19:45,520
Speaker 2: it needs to be seen. How good is this that

445
00:19:45,560 --> 00:19:47,960
Speaker 2: you're now in that position though? It's like going to

446
00:19:48,000 --> 00:19:51,240
Speaker 2: be all on your term, so so exciting.

447
00:19:51,600 --> 00:19:53,960
Speaker 4: And it's crazy, like I was holding myself back waiting

448
00:19:53,960 --> 00:19:55,520
Speaker 4: for someone to want to do it with me when

449
00:19:55,520 --> 00:19:56,680
Speaker 4: I just could have done it.

450
00:19:57,080 --> 00:19:58,480
Speaker 2: Just get it done. It's fine, But.

451
00:19:58,440 --> 00:20:00,520
Speaker 4: It's all happening now, which fantastic.

452
00:20:00,680 --> 00:20:02,520
Speaker 2: If men can do it. Why can't wait do it?

453
00:20:02,520 --> 00:20:04,720
Speaker 2: It can't be that hard if they're able to, right.

454
00:20:05,720 --> 00:20:06,640
Speaker 4: Yes, for real.

455
00:20:07,119 --> 00:20:09,560
Speaker 2: So you've got your own business, You're absolutely killing it.

456
00:20:09,640 --> 00:20:11,879
Speaker 2: I'm obsessed. What are your big money goals? Like, what

457
00:20:11,920 --> 00:20:14,880
Speaker 2: are you currently working towards? You mentioned you're building a house.

458
00:20:15,840 --> 00:20:18,040
Speaker 4: Yeah, so, as I mentioned, I bought a house and

459
00:20:18,119 --> 00:20:21,240
Speaker 4: land package with the organization you've had on here.

460
00:20:21,760 --> 00:20:26,119
Speaker 2: Oh really, yes? How good? So I'm a like really

461
00:20:26,160 --> 00:20:28,680
Speaker 2: good influencer. Oh I love this.

462
00:20:29,680 --> 00:20:32,400
Speaker 4: I did buy it November twenty twenty two.

463
00:20:32,560 --> 00:20:34,399
Speaker 2: Yeah, okay, but we can pretend I had something to

464
00:20:34,440 --> 00:20:35,280
Speaker 2: do with it.

465
00:20:35,880 --> 00:20:37,800
Speaker 4: You reaffirmed it was the correct decision.

466
00:20:37,920 --> 00:20:39,679
Speaker 2: They weren't a client yet, but now they are.

467
00:20:40,800 --> 00:20:43,520
Speaker 4: That will title in June. There's a big part of

468
00:20:43,560 --> 00:20:45,600
Speaker 4: money just sitting in my bank waiting to go out.

469
00:20:46,600 --> 00:20:48,600
Speaker 4: And then, because I've been in Australia for six years

470
00:20:48,640 --> 00:20:53,760
Speaker 4: now going on seven, really trying to grow my superin investments.

471
00:20:53,920 --> 00:20:55,640
Speaker 2: Yeah that's exciting because everyone likes.

472
00:20:55,520 --> 00:20:57,600
Speaker 4: To tell me, oh, you're super is low for your age,

473
00:20:57,640 --> 00:20:59,280
Speaker 4: and I'm like, well, I also never heard of super

474
00:20:59,359 --> 00:21:00,720
Speaker 4: until Yeah.

475
00:21:00,800 --> 00:21:04,080
Speaker 2: Like I'm literally behind because I didn't live in this country.

476
00:21:04,240 --> 00:21:07,160
Speaker 2: Sit down, Yeah, who's telling you you're behind as well.

477
00:21:07,240 --> 00:21:10,960
Speaker 2: Let's just ditch them, let's get them out, because that's

478
00:21:10,960 --> 00:21:12,639
Speaker 2: not the energy we're bringing to the table.

479
00:21:13,480 --> 00:21:16,359
Speaker 4: I know it was a pre meeting with a financial investor.

480
00:21:17,280 --> 00:21:22,240
Speaker 2: Nah bread flag, red flag see you. Yeah, Oh my god,

481
00:21:22,480 --> 00:21:25,560
Speaker 2: that makes me so angry. Please tell me you didn't

482
00:21:25,600 --> 00:21:27,960
Speaker 2: get matched with them through the shees on the money community.

483
00:21:28,240 --> 00:21:28,679
Speaker 4: I did not.

484
00:21:28,920 --> 00:21:30,680
Speaker 2: Okay, good because I was about to be like, I'm

485
00:21:30,680 --> 00:21:31,920
Speaker 2: gonna have some chats.

486
00:21:32,800 --> 00:21:33,800
Speaker 4: No, no, no, I didn't.

487
00:21:33,920 --> 00:21:36,360
Speaker 2: Yeah, well, I can match you with a good financial

488
00:21:36,359 --> 00:21:39,840
Speaker 2: advisor if you would like one that isn't condescending and rude,

489
00:21:39,880 --> 00:21:43,040
Speaker 2: so we can talk about that after. But you've been

490
00:21:43,080 --> 00:21:45,320
Speaker 2: here for six years? Do we get to keep you?

491
00:21:45,400 --> 00:21:45,480
Speaker 1: Like?

492
00:21:45,520 --> 00:21:47,800
Speaker 2: Are you going to be staying in Australia? Like are

493
00:21:47,880 --> 00:21:50,200
Speaker 2: you going to leave? I like your energy, Like we're

494
00:21:50,240 --> 00:21:52,359
Speaker 2: lucky to have you, so if you could stay, be great.

495
00:21:52,800 --> 00:21:56,200
Speaker 4: Ah, I'm staying. The house has been built, my citizenship's

496
00:21:56,240 --> 00:21:58,879
Speaker 4: coming through anytime now. I'm definitely staying.

497
00:21:59,240 --> 00:22:01,240
Speaker 2: How cool. All right, let's go to a really quick

498
00:22:01,240 --> 00:22:02,800
Speaker 2: break on the flip side. We're going to talk about

499
00:22:02,800 --> 00:22:05,360
Speaker 2: those investments. We're going to talk about debt and we're

500
00:22:05,359 --> 00:22:07,200
Speaker 2: going to talk about good and bad money habits because

501
00:22:07,200 --> 00:22:09,480
Speaker 2: I feel like we've just got so much to learn

502
00:22:09,480 --> 00:22:16,399
Speaker 2: from you. So guys, don't go anywhere. All right, money Diarist,

503
00:22:16,520 --> 00:22:20,160
Speaker 2: we are back. You mentioned before that you had won't

504
00:22:20,160 --> 00:22:21,639
Speaker 2: call it a run in, but like, if I was

505
00:22:21,640 --> 00:22:23,320
Speaker 2: in the room, it would definitely have been a run

506
00:22:23,359 --> 00:22:25,720
Speaker 2: in with a financial advisor who told you were behind.

507
00:22:26,040 --> 00:22:28,840
Speaker 2: So tell me about investments, like, what's the plan? Do

508
00:22:28,880 --> 00:22:31,080
Speaker 2: you have any? If not, what are they going to be?

509
00:22:31,200 --> 00:22:33,040
Speaker 2: What's the plan? What are your thoughts around this?

510
00:22:33,520 --> 00:22:36,280
Speaker 4: Yeah? So right now I do have about nineteen thousand

511
00:22:36,280 --> 00:22:36,840
Speaker 4: in my super.

512
00:22:37,359 --> 00:22:42,040
Speaker 2: Sorry, and they said, oh, you're so behind, Sit down, yeah,

513
00:22:42,160 --> 00:22:45,080
Speaker 2: because it's also all self nominated. So you're running your

514
00:22:45,080 --> 00:22:46,960
Speaker 2: own business and you're paying yourself super. Do you know

515
00:22:46,960 --> 00:22:48,840
Speaker 2: how many small business owners have been in business for

516
00:22:48,920 --> 00:22:53,000
Speaker 2: ten twenty years and they're still not doing that? Like ah, queen.

517
00:22:52,840 --> 00:22:56,320
Speaker 4: Behavior, Every single invoice that comes in from a client,

518
00:22:56,680 --> 00:22:58,200
Speaker 4: a percentage of it goes into my super.

519
00:22:59,040 --> 00:23:02,119
Speaker 2: You're a queen. What other investments have you got or

520
00:23:02,200 --> 00:23:04,479
Speaker 2: are you planning to make? Obviously you've got your business,

521
00:23:04,520 --> 00:23:06,760
Speaker 2: so I would assume that most of your focus is

522
00:23:06,760 --> 00:23:09,240
Speaker 2: there because that's how it works for me. What does

523
00:23:09,280 --> 00:23:09,960
Speaker 2: that look like?

524
00:23:10,400 --> 00:23:13,280
Speaker 4: Well, I do have about twenty grand in the stock market,

525
00:23:13,680 --> 00:23:15,600
Speaker 4: depending on the day when I log in and track,

526
00:23:16,000 --> 00:23:17,880
Speaker 4: which is painful sometimes.

527
00:23:18,320 --> 00:23:19,520
Speaker 2: And what does that look like?

528
00:23:20,119 --> 00:23:22,840
Speaker 4: Yeah? So about five grand of that and you can

529
00:23:23,040 --> 00:23:25,679
Speaker 4: credit yourself for this is in my SHARE's Ease.

530
00:23:25,520 --> 00:23:27,880
Speaker 2: Account, is it? Actually? That's very cool?

531
00:23:28,320 --> 00:23:31,239
Speaker 4: Yeah, because the same thing every single pay I get

532
00:23:31,280 --> 00:23:34,160
Speaker 4: from a client that hits my bank, I automatically transfer.

533
00:23:34,720 --> 00:23:37,880
Speaker 4: I have the five hundred dollars a month plan. Yeah, yeah,

534
00:23:37,920 --> 00:23:40,399
Speaker 4: and I just max that out every month, putting that in.

535
00:23:40,520 --> 00:23:42,000
Speaker 2: Oh my gosh, obsessed.

536
00:23:42,760 --> 00:23:44,639
Speaker 4: Yeah. And I used to try to like find a

537
00:23:44,640 --> 00:23:46,600
Speaker 4: really good stock that looked like an up and comer,

538
00:23:46,680 --> 00:23:48,919
Speaker 4: and then after listening to you, I just started being like, no,

539
00:23:49,040 --> 00:23:53,200
Speaker 4: by responsible long term investments.

540
00:23:52,720 --> 00:23:55,199
Speaker 2: We can be spicy with our Mugga raiders, I reckon.

541
00:23:55,400 --> 00:23:57,600
Speaker 2: I think we just need to keep the investments boring

542
00:23:57,840 --> 00:24:00,800
Speaker 2: because then we can afford more Mugga raders and like

543
00:24:00,840 --> 00:24:03,400
Speaker 2: that's the life we all deserve, right, Yeah?

544
00:24:03,440 --> 00:24:04,080
Speaker 4: Absolutely?

545
00:24:04,520 --> 00:24:07,439
Speaker 2: What about the other fifteen grand? What's that in? And

546
00:24:07,480 --> 00:24:08,320
Speaker 2: how did you do it?

547
00:24:08,680 --> 00:24:11,640
Speaker 4: So that's in my CMC Market's account. I went through

548
00:24:11,640 --> 00:24:17,240
Speaker 4: this like massive phase of like lithium and the future minerals. Yep,

549
00:24:17,480 --> 00:24:20,399
Speaker 4: so that at fifteen grand actually would be way higher.

550
00:24:20,920 --> 00:24:22,200
Speaker 4: There's been a dip in that market.

551
00:24:22,520 --> 00:24:23,160
Speaker 2: Yeah, there has.

552
00:24:23,400 --> 00:24:25,320
Speaker 4: What's same thing. I think it's a long term investment

553
00:24:25,440 --> 00:24:26,600
Speaker 4: that will be going in the end.

554
00:24:27,080 --> 00:24:31,280
Speaker 2: How good And what got you into investing? Like, obviously

555
00:24:31,720 --> 00:24:34,119
Speaker 2: you haven't been here for that long and both of

556
00:24:34,160 --> 00:24:38,639
Speaker 2: these companies are Australian based platforms, So you've done this

557
00:24:38,720 --> 00:24:41,040
Speaker 2: in the last six years, which is epic, but like,

558
00:24:41,560 --> 00:24:44,520
Speaker 2: how did you start investing? Yeah?

559
00:24:44,560 --> 00:24:47,199
Speaker 4: Absolute pettiness was the real answer to that.

560
00:24:47,400 --> 00:24:49,440
Speaker 2: Yeah. Good, That's what drives a lot of my decisions

561
00:24:49,440 --> 00:24:51,240
Speaker 2: as well, if we're being brutally honest.

562
00:24:51,040 --> 00:24:54,360
Speaker 4: Because my ex invested a lot and he would kind

563
00:24:54,359 --> 00:24:56,760
Speaker 4: of tell me some things, but as you may have gathered,

564
00:24:57,280 --> 00:25:01,240
Speaker 4: he wouldn't never say like, oh I'm getting this much

565
00:25:01,280 --> 00:25:03,399
Speaker 4: in this like you wouldn't have a conversation with me

566
00:25:03,440 --> 00:25:08,360
Speaker 4: about it. So when we broke up, I was like, well,

567
00:25:08,560 --> 00:25:10,280
Speaker 4: the only choice I have in life right now is

568
00:25:10,320 --> 00:25:12,320
Speaker 4: to start beating him at the investment game. It's a

569
00:25:12,359 --> 00:25:15,000
Speaker 4: competition with myself really, but you know, I love it.

570
00:25:15,080 --> 00:25:16,639
Speaker 2: Like a lot of people would be like I'm going

571
00:25:16,680 --> 00:25:18,359
Speaker 2: to get a better car than him and drive it

572
00:25:18,400 --> 00:25:21,240
Speaker 2: in front of his house, but that's obviously a depreciating asset,

573
00:25:21,280 --> 00:25:23,000
Speaker 2: and you're like, low, ki, I'm just gonna get rich

574
00:25:23,040 --> 00:25:25,719
Speaker 2: af Like I'm just going to show him that, like

575
00:25:26,280 --> 00:25:28,280
Speaker 2: he might have earned more than you at some point,

576
00:25:28,400 --> 00:25:30,000
Speaker 2: but also I own my own business.

577
00:25:30,040 --> 00:25:32,000
Speaker 4: Sit down, I know he's not right now.

578
00:25:32,320 --> 00:25:32,880
Speaker 2: Cool for him.

579
00:25:32,920 --> 00:25:35,159
Speaker 4: I like that, which I try not to be petty.

580
00:25:35,520 --> 00:25:37,119
Speaker 2: Oh no, no, no, sometimes we need to be a

581
00:25:37,160 --> 00:25:38,879
Speaker 2: little bit petty, Like we don't have to be petty

582
00:25:38,880 --> 00:25:40,480
Speaker 2: the whole time, but sometimes we can be, like I'm

583
00:25:40,480 --> 00:25:41,960
Speaker 2: actually in a better place, thank you.

584
00:25:42,640 --> 00:25:44,560
Speaker 4: Yeah, no, I feel bad saying that, but.

585
00:25:45,200 --> 00:25:48,240
Speaker 2: Like you're the anonymous one, Like I've just said that

586
00:25:48,359 --> 00:25:51,320
Speaker 2: publicly in front of my entire community, that I am

587
00:25:51,560 --> 00:25:53,880
Speaker 2: not only petty, but I love it. It's like how

588
00:25:53,920 --> 00:25:56,200
Speaker 2: I love gossip, Like I don't want to be involved,

589
00:25:56,280 --> 00:25:58,080
Speaker 2: but like I would love to be a fly on

590
00:25:58,080 --> 00:26:01,040
Speaker 2: the wall in some conversations, Like I will be brutally

591
00:26:01,040 --> 00:26:04,200
Speaker 2: honest about that. Judge me if you want, but let's

592
00:26:04,200 --> 00:26:05,800
Speaker 2: be honest. We're all here because we're all a little

593
00:26:05,800 --> 00:26:08,760
Speaker 2: bit pervy. This is money diaries, after all.

594
00:26:08,880 --> 00:26:11,640
Speaker 4: I'm going to take that energy, like, let's.

595
00:26:11,480 --> 00:26:13,160
Speaker 2: Just go with it. Like I am who I am?

596
00:26:13,280 --> 00:26:15,639
Speaker 2: I can't change that. Talk to me about debt. Do

597
00:26:15,680 --> 00:26:17,760
Speaker 2: you have any debt? What are your thoughts on debt?

598
00:26:17,920 --> 00:26:20,800
Speaker 4: Yeah? So I have no debt, which I think is

599
00:26:20,840 --> 00:26:22,600
Speaker 4: a really good position to be in. I will as

600
00:26:22,600 --> 00:26:26,000
Speaker 4: soon as, obviously the mortgage comes yep. But at this moment,

601
00:26:26,040 --> 00:26:26,800
Speaker 4: I have no debt.

602
00:26:27,240 --> 00:26:28,840
Speaker 2: And what will your mortgage look like?

603
00:26:29,240 --> 00:26:32,119
Speaker 4: Yeah? So I got really lucky getting in so early.

604
00:26:32,320 --> 00:26:36,600
Speaker 4: So I bought it November twenty twenty two for six

605
00:26:36,720 --> 00:26:41,000
Speaker 4: seventy so four bedroom house, three mathrooms, six hundred and

606
00:26:41,040 --> 00:26:42,840
Speaker 4: seventy k just outside of Melbourne.

607
00:26:43,119 --> 00:26:44,679
Speaker 2: Yeah, that's very nice.

608
00:26:45,320 --> 00:26:48,479
Speaker 4: Yeah, and that's the advantage of buying so early.

609
00:26:48,960 --> 00:26:49,240
Speaker 2: Yeah.

610
00:26:49,240 --> 00:26:51,680
Speaker 4: But I've got twenty percent down. So my mortgage I

611
00:26:51,680 --> 00:26:53,640
Speaker 4: think it's about the five thirty four marc.

612
00:26:54,040 --> 00:26:56,800
Speaker 2: And you've already paid the whole twenty percent deposit.

613
00:26:57,200 --> 00:27:00,320
Speaker 4: No, So when you initially do it, there's a certain

614
00:27:00,320 --> 00:27:02,520
Speaker 4: percentage you have to put down, and then when the

615
00:27:02,600 --> 00:27:05,040
Speaker 4: land titles, you put the balance of the deposit down.

616
00:27:05,119 --> 00:27:08,080
Speaker 2: So you've just got that sitting in cash waiting in.

617
00:27:08,000 --> 00:27:09,439
Speaker 4: Like a high interestceidings account.

618
00:27:09,520 --> 00:27:12,000
Speaker 2: Yeah, yeah, and that's what you're talking about before. And

619
00:27:12,040 --> 00:27:15,560
Speaker 2: then once that goes down, then you've obviously got your

620
00:27:15,600 --> 00:27:18,920
Speaker 2: mortgage broker lined up to get your loan in stated

621
00:27:19,080 --> 00:27:21,280
Speaker 2: and you reckon that'll be about five hundred and thirty

622
00:27:21,320 --> 00:27:24,879
Speaker 2: four thousand dollars. Yeah, and then I need to know,

623
00:27:25,200 --> 00:27:28,400
Speaker 2: obviously brought in November twenty twenty two, is that property

624
00:27:28,480 --> 00:27:30,800
Speaker 2: like if you look in the same areas, is that

625
00:27:30,840 --> 00:27:33,240
Speaker 2: property now worth six seventy years? It a little bit

626
00:27:33,280 --> 00:27:36,080
Speaker 2: more than that, because like I have a sneaky suspicion.

627
00:27:36,240 --> 00:27:39,880
Speaker 4: If someone got that lot beside me, exact same house,

628
00:27:40,000 --> 00:27:42,879
Speaker 4: same lot size, everything, it would be about seven sixty

629
00:27:43,119 --> 00:27:43,800
Speaker 4: Right now.

630
00:27:43,680 --> 00:27:45,959
Speaker 2: Money, we look at this queen, she's like got her

631
00:27:45,960 --> 00:27:48,600
Speaker 2: own business killing it. But also you've got like this

632
00:27:48,760 --> 00:27:52,000
Speaker 2: investment that hasn't even like vested yet. How exciting.

633
00:27:52,960 --> 00:27:54,400
Speaker 4: I know, I am excited.

634
00:27:54,920 --> 00:27:57,040
Speaker 2: I'm excited for you. And you said it was just

635
00:27:57,119 --> 00:28:00,679
Speaker 2: out of Melbourne. Are you moving straight into this? Is

636
00:28:00,720 --> 00:28:02,040
Speaker 2: this an investment property?

637
00:28:02,160 --> 00:28:02,240
Speaker 1: Like?

638
00:28:02,320 --> 00:28:03,280
Speaker 2: What does this look like?

639
00:28:03,640 --> 00:28:05,800
Speaker 4: So the plan right now, because of what I've been

640
00:28:05,840 --> 00:28:08,400
Speaker 4: doing to save the money, will be to move into

641
00:28:08,520 --> 00:28:11,959
Speaker 4: it just to have a bit of stability and enjoy it.

642
00:28:12,000 --> 00:28:12,840
Speaker 4: And be proud of it.

643
00:28:13,440 --> 00:28:16,600
Speaker 2: Yeah, and a five point thirty four thousand dollars mortgage

644
00:28:17,119 --> 00:28:19,959
Speaker 2: is very reasonable in Melbourne. I know interest rates are

645
00:28:20,080 --> 00:28:23,280
Speaker 2: quite high at the moment, but that is still very palatable.

646
00:28:23,359 --> 00:28:26,320
Speaker 2: It's still very you know, reasonable, especially in this current

647
00:28:26,359 --> 00:28:28,639
Speaker 2: market where the average property price in Melbourne is more

648
00:28:28,640 --> 00:28:31,960
Speaker 2: than a million dollars. Now, like you're killing it. Yeah,

649
00:28:32,040 --> 00:28:36,720
Speaker 2: I'm obsessed with that. So tell me what are your

650
00:28:36,760 --> 00:28:39,080
Speaker 2: best money habits do you think? Because I feel like

651
00:28:39,160 --> 00:28:42,200
Speaker 2: you've probably always had some pretty good money habits, especially

652
00:28:42,240 --> 00:28:44,160
Speaker 2: because you were like, oh I didn't you know, used

653
00:28:44,200 --> 00:28:47,440
Speaker 2: to earn heaps and heaps of money. But I also

654
00:28:47,480 --> 00:28:49,600
Speaker 2: think that there's a lot of confidence that you have

655
00:28:49,680 --> 00:28:51,560
Speaker 2: now that you didn't have before and they might play

656
00:28:51,600 --> 00:28:52,560
Speaker 2: into your money habits.

657
00:28:52,600 --> 00:28:57,280
Speaker 4: So tell us teach us for sure. So my best

658
00:28:57,280 --> 00:28:59,680
Speaker 4: money habit, I would say, is how actually resourceful I

659
00:28:59,680 --> 00:29:03,200
Speaker 4: am with money now. So the way I've structured it

660
00:29:03,200 --> 00:29:05,360
Speaker 4: because I wanted to buy a house really quickly after

661
00:29:05,480 --> 00:29:08,840
Speaker 4: the breakoup spite driven. I like it like I don't

662
00:29:08,880 --> 00:29:11,760
Speaker 4: have family here, like no support with the house process.

663
00:29:12,520 --> 00:29:16,520
Speaker 4: So I decided to house it full time. Oh cool,

664
00:29:17,000 --> 00:29:18,880
Speaker 4: So I house it for people who are overseas in

665
00:29:18,920 --> 00:29:21,520
Speaker 4: Europe for a few months, so I don't have rent,

666
00:29:21,640 --> 00:29:25,240
Speaker 4: I don't have utilities, like I found ways to get

667
00:29:25,280 --> 00:29:28,920
Speaker 4: spat treatments at no cost, my hair done at no costs, like,

668
00:29:28,960 --> 00:29:31,600
Speaker 4: I almost eliminated every cost in my life.

669
00:29:31,720 --> 00:29:33,480
Speaker 2: Obviously, no one knows who you are and they can't

670
00:29:33,480 --> 00:29:36,920
Speaker 2: say you, but I can. Your beautiful blonde hair you

671
00:29:36,960 --> 00:29:40,560
Speaker 2: get done for free. Yeah no, you don't. That does

672
00:29:40,600 --> 00:29:43,400
Speaker 2: not look free, babe. I'm really sorry.

673
00:29:44,200 --> 00:29:45,840
Speaker 4: I am particular about who I go to.

674
00:29:46,720 --> 00:29:48,240
Speaker 2: Of course it's obvious.

675
00:29:48,680 --> 00:29:50,520
Speaker 4: Yeah no, I found a way to cut out almost

676
00:29:50,560 --> 00:29:52,560
Speaker 4: every cost in life to be able to make the

677
00:29:52,560 --> 00:29:53,520
Speaker 4: house happen fast.

678
00:29:53,600 --> 00:29:55,640
Speaker 2: Okay, you can't say that and not tell us how

679
00:29:55,880 --> 00:29:57,640
Speaker 2: like you can't be like, yep, I found a hack

680
00:29:57,720 --> 00:29:59,960
Speaker 2: to cutting out every cost in life.

681
00:30:00,240 --> 00:30:00,440
Speaker 4: Yep.

682
00:30:00,520 --> 00:30:03,400
Speaker 2: So moving on, Like, how where are you finding these?

683
00:30:03,400 --> 00:30:06,680
Speaker 4: It's like what the house sitting thing to save Ryan

684
00:30:06,960 --> 00:30:11,560
Speaker 4: was trusted house sitters. So I do move every few months,

685
00:30:11,560 --> 00:30:13,959
Speaker 4: which has a toll in itself. It's a little bit

686
00:30:13,960 --> 00:30:16,960
Speaker 4: of a lack of stability for long term goal. I'm

687
00:30:16,960 --> 00:30:20,440
Speaker 4: in tons of like model groups, So hairdressers you want

688
00:30:20,440 --> 00:30:23,840
Speaker 4: to do upgrades or treatments or I'm a model for

689
00:30:23,840 --> 00:30:25,959
Speaker 4: a big skin company, so I get all my like

690
00:30:26,000 --> 00:30:28,640
Speaker 4: skin treatments and needlin and I got a peel a

691
00:30:28,680 --> 00:30:29,440
Speaker 4: few days.

692
00:30:29,440 --> 00:30:32,960
Speaker 2: Oh, very nice, big skin companies a fancy too.

693
00:30:33,800 --> 00:30:37,920
Speaker 4: You want to give up my lifestyle, gol you have it? Yeah, yeah,

694
00:30:38,040 --> 00:30:40,120
Speaker 4: And I go to the massage school for massages for

695
00:30:40,160 --> 00:30:42,520
Speaker 4: like ten dollars for an hour. Like so I just

696
00:30:42,520 --> 00:30:44,400
Speaker 4: found a way of all the things I love. How

697
00:30:44,400 --> 00:30:48,000
Speaker 4: can I still do those things without spending a fortune.

698
00:30:47,640 --> 00:30:49,440
Speaker 2: Tendalls an hour for a massage? Did you know? I

699
00:30:49,440 --> 00:30:51,760
Speaker 2: didn't even know that was a thing. I'm going to

700
00:30:51,840 --> 00:30:54,160
Speaker 2: need it. Oh, I didn't even know that existed, Like

701
00:30:54,280 --> 00:30:56,280
Speaker 2: you joking. I don't care who's doing it, as long

702
00:30:56,280 --> 00:30:58,440
Speaker 2: as you're rubbing my back and telling me that I'm

703
00:30:58,440 --> 00:31:03,959
Speaker 2: a nice lady. I mean, yeah, like ten our ten experience.

704
00:31:03,760 --> 00:31:06,160
Speaker 4: Even my AUTI wrinkle, Like I pay one fifty for

705
00:31:06,200 --> 00:31:08,200
Speaker 4: crows feet forehead brown.

706
00:31:08,440 --> 00:31:13,760
Speaker 2: No, you don't, yeah, excuse me, Like I've been public

707
00:31:13,800 --> 00:31:16,440
Speaker 2: about this, Like I get botox at the moment I'm pregnant,

708
00:31:16,640 --> 00:31:19,200
Speaker 2: so I definitely haven't had botox in like the last

709
00:31:19,240 --> 00:31:21,800
Speaker 2: eighteen months. But when I do it, that's like a

710
00:31:21,920 --> 00:31:24,960
Speaker 2: four hundred and fifty dollar cost and now you're just

711
00:31:25,000 --> 00:31:27,120
Speaker 2: getting it for one fifty because you're just like, by

712
00:31:27,160 --> 00:31:30,640
Speaker 2: the way, Victoria, you're an idiot, I've hacked the system.

713
00:31:32,040 --> 00:31:33,680
Speaker 2: All right, Well, we have a lot to talk about

714
00:31:33,720 --> 00:31:35,600
Speaker 2: offline because I'm going to need some information on that,

715
00:31:35,720 --> 00:31:38,000
Speaker 2: Like we're going to need all of this. Is this

716
00:31:38,040 --> 00:31:40,360
Speaker 2: something that you've always been good at hustling up or

717
00:31:40,360 --> 00:31:42,959
Speaker 2: were you like no, no, no, like this is recent.

718
00:31:43,280 --> 00:31:45,200
Speaker 4: I think I was always really good at hustling his

719
00:31:45,320 --> 00:31:47,440
Speaker 4: for the longest time. Travel was a priority for me.

720
00:31:48,480 --> 00:31:52,160
Speaker 4: So very different ways, but same resourcefulness. Like I was

721
00:31:52,280 --> 00:31:55,440
Speaker 4: using house sitting, I was using couch surphine, I was

722
00:31:55,520 --> 00:31:58,160
Speaker 4: using like I was finding ways to travel and pain

723
00:31:58,280 --> 00:32:02,000
Speaker 4: almost next to nothing to travel. Same skill, but different priorities.

724
00:32:02,360 --> 00:32:06,600
Speaker 2: Yeah, so smart. Does this woman have any bad money habits?

725
00:32:07,040 --> 00:32:11,360
Speaker 4: Well, if you asked me to go to Croatia tomorrow,

726
00:32:11,400 --> 00:32:13,880
Speaker 4: I'd be like, well, I do not have any events

727
00:32:13,880 --> 00:32:15,000
Speaker 4: next week, so I could do that.

728
00:32:15,600 --> 00:32:18,320
Speaker 2: She's spontaneous. We like that. This could be a really

729
00:32:18,360 --> 00:32:21,080
Speaker 2: good dating profile. By the way, like you're selling me,

730
00:32:21,120 --> 00:32:23,360
Speaker 2: I'm like, yep, she's a catch ten out of ten.

731
00:32:23,760 --> 00:32:26,520
Speaker 2: So you're spontaneous, Like that's not a bad money habit.

732
00:32:27,040 --> 00:32:30,120
Speaker 2: But like, is that because you get fomo or is

733
00:32:30,160 --> 00:32:34,440
Speaker 2: that because you really valued travel? Like what would that

734
00:32:34,480 --> 00:32:36,400
Speaker 2: decision making process be like in your head?

735
00:32:36,680 --> 00:32:40,120
Speaker 4: I really value travel, I would say, because it's just

736
00:32:40,160 --> 00:32:42,320
Speaker 4: such a good reminder of like how resilient you are

737
00:32:42,360 --> 00:32:45,600
Speaker 4: and how you can navigate your way through foreign countries,

738
00:32:45,680 --> 00:32:48,920
Speaker 4: and like you really remember the best parts of yourself

739
00:32:48,920 --> 00:32:50,920
Speaker 4: when you're traveling, And I love that.

740
00:32:50,920 --> 00:32:54,000
Speaker 2: That's actually really beautiful. But also, like, you can't tell

741
00:32:54,000 --> 00:32:55,720
Speaker 2: me that that's in a bad money habit.

742
00:32:56,360 --> 00:33:01,520
Speaker 4: I probably do it to a point where too many times.

743
00:33:01,800 --> 00:33:03,600
Speaker 2: Do you have a lot of friends that are like, hey,

744
00:33:03,600 --> 00:33:05,520
Speaker 2: do you want to go to Croatia next week? If so,

745
00:33:05,600 --> 00:33:07,640
Speaker 2: where do I find more friends like that? Because a

746
00:33:07,640 --> 00:33:08,880
Speaker 2: lot of mine are like, hey, do you want to

747
00:33:08,880 --> 00:33:11,040
Speaker 2: go for coffee next week? And I'm kind of like, well, yeah,

748
00:33:11,080 --> 00:33:13,280
Speaker 2: but you didn't offer Croatia, So.

749
00:33:14,000 --> 00:33:16,040
Speaker 4: Not a lot. I did end up in Dubai a

750
00:33:16,080 --> 00:33:18,440
Speaker 4: few weeks ago because of an opportunity a girlfriend.

751
00:33:19,560 --> 00:33:21,560
Speaker 2: I love this mostly.

752
00:33:21,640 --> 00:33:22,560
Speaker 4: I travel so well.

753
00:33:22,760 --> 00:33:25,720
Speaker 2: Adore. That's not the worst money habit, especially because you're

754
00:33:25,720 --> 00:33:29,960
Speaker 2: such a hustler in every other aspect, Like it's clearly

755
00:33:30,000 --> 00:33:33,880
Speaker 2: not crippling your ability to get ahead, like you're killing it.

756
00:33:33,920 --> 00:33:35,560
Speaker 2: I love it all right. So at the start of

757
00:33:35,560 --> 00:33:38,600
Speaker 2: this episode, you said, look, I reckon, I'm an as.

758
00:33:38,960 --> 00:33:41,360
Speaker 2: What would that take to get to an A plus? Like,

759
00:33:41,400 --> 00:33:44,520
Speaker 2: what does that actually look like for you personally.

760
00:33:44,480 --> 00:33:46,120
Speaker 4: Coming out of what we just discussed.

761
00:33:46,360 --> 00:33:48,479
Speaker 2: Yeah, because I think you're an A plus. So like

762
00:33:48,680 --> 00:33:50,840
Speaker 2: it's kind of like a double edged sword. I'm like,

763
00:33:50,920 --> 00:33:52,920
Speaker 2: tell me, why don't you think you're good enough after

764
00:33:52,960 --> 00:33:53,360
Speaker 2: all of this?

765
00:33:54,320 --> 00:33:57,160
Speaker 4: Only because I will book so many last minute flights

766
00:33:57,200 --> 00:33:59,120
Speaker 4: where then your mind goes like, oh, that flight was

767
00:33:59,160 --> 00:34:02,600
Speaker 4: two thousand dollars I could have saved. But you're right, like,

768
00:34:02,680 --> 00:34:05,000
Speaker 4: I am doing fine with doing that.

769
00:34:05,120 --> 00:34:06,800
Speaker 2: I mean, it's a lot of money, so I can

770
00:34:06,840 --> 00:34:09,239
Speaker 2: see why you're questioning it. But I also think we

771
00:34:09,280 --> 00:34:12,000
Speaker 2: need to have some balance in life. Like I've said

772
00:34:12,120 --> 00:34:15,120
Speaker 2: so many times before, and I say this to all

773
00:34:15,160 --> 00:34:17,279
Speaker 2: of my friends and family because I'm a little bit

774
00:34:17,320 --> 00:34:20,919
Speaker 2: like woo woo at the same time. But old age

775
00:34:20,960 --> 00:34:23,160
Speaker 2: is a privilege that is denied to so many people.

776
00:34:23,320 --> 00:34:26,239
Speaker 2: And when we're talking about life, it's really for me

777
00:34:26,440 --> 00:34:28,960
Speaker 2: about the journey and enjoying it. And that's why I've

778
00:34:29,000 --> 00:34:31,719
Speaker 2: never been one of these, I guess finance people who

779
00:34:31,760 --> 00:34:33,680
Speaker 2: are like, you know, I want to create fire, which

780
00:34:33,719 --> 00:34:36,880
Speaker 2: is like financial independence, retire early because I'm just like,

781
00:34:37,040 --> 00:34:40,600
Speaker 2: I cannot see myself dedicating ten or twenty years to

782
00:34:40,760 --> 00:34:44,480
Speaker 2: living super frugally and not enjoying my life along the way,

783
00:34:44,960 --> 00:34:47,360
Speaker 2: so that you know, hopefully in the future when I

784
00:34:47,400 --> 00:34:49,919
Speaker 2: get there, I have enough money to live the life

785
00:34:50,000 --> 00:34:51,719
Speaker 2: that I think I deserve. Like, why can't we just

786
00:34:51,800 --> 00:34:54,600
Speaker 2: do that the whole way and have some level of balance,

787
00:34:54,680 --> 00:34:56,920
Speaker 2: Like I'm not that type of person who you know,

788
00:34:57,000 --> 00:34:59,600
Speaker 2: wants to save and scrimp on every penny because it's

789
00:34:59,640 --> 00:35:01,960
Speaker 2: not of value to me. And does that mean that

790
00:35:02,120 --> 00:35:04,920
Speaker 2: I don't respect people who do that. No, absolutely not,

791
00:35:04,960 --> 00:35:06,719
Speaker 2: Like get it if that's what you want to do,

792
00:35:07,160 --> 00:35:08,880
Speaker 2: But for me, I'm kind of like, well, it's a

793
00:35:08,880 --> 00:35:11,799
Speaker 2: two thousand dollars flight. But as you said before, you

794
00:35:11,880 --> 00:35:14,200
Speaker 2: were like, you remember the best parts of you when

795
00:35:14,239 --> 00:35:16,799
Speaker 2: you travel, Like is that not what we should be

796
00:35:16,840 --> 00:35:19,719
Speaker 2: focusing on? Like, should we not be focusing on what

797
00:35:19,880 --> 00:35:22,600
Speaker 2: sparks joy and what brings out the best in us

798
00:35:22,680 --> 00:35:26,080
Speaker 2: so that you know, you can come home and build

799
00:35:26,120 --> 00:35:28,919
Speaker 2: your business and become a really big hustler and buy

800
00:35:28,960 --> 00:35:30,600
Speaker 2: your house and then you know, go all right, well,

801
00:35:30,640 --> 00:35:32,480
Speaker 2: I do need to get away again, because like that's

802
00:35:32,480 --> 00:35:34,920
Speaker 2: what sparks joy Like. I just can't see it as

803
00:35:34,960 --> 00:35:38,040
Speaker 2: a bad money habit. From that lens, this is as

804
00:35:38,040 --> 00:35:42,600
Speaker 2: good as therapy. It's almost like I like did psychology

805
00:35:42,600 --> 00:35:43,160
Speaker 2: as well.

806
00:35:43,160 --> 00:35:45,720
Speaker 4: Wild Everything you said is so true.

807
00:35:45,800 --> 00:35:47,400
Speaker 2: But yes, I'm glad I can't see it as a

808
00:35:47,400 --> 00:35:50,040
Speaker 2: bad money habit. I look at this, I'm like, holy guacamole.

809
00:35:50,320 --> 00:35:54,960
Speaker 2: You are so impressive. Like your business is obviously thriving.

810
00:35:55,440 --> 00:35:59,120
Speaker 2: Everything else in your life is thriving. What's next? Obviously

811
00:35:59,120 --> 00:36:01,440
Speaker 2: You've got a few decision to make about growing and

812
00:36:01,480 --> 00:36:03,960
Speaker 2: maybe scaling your business, But like, have you got any

813
00:36:04,000 --> 00:36:05,600
Speaker 2: plans in place? Where are we off to?

814
00:36:05,960 --> 00:36:08,960
Speaker 4: I do have, in addition to the business side project

815
00:36:08,960 --> 00:36:12,000
Speaker 4: that I do that is profitable at this time, that

816
00:36:12,040 --> 00:36:14,879
Speaker 4: I'm doing a number of things to grow that. So

817
00:36:15,120 --> 00:36:18,400
Speaker 4: I'm working a lot on the side on like setting

818
00:36:18,480 --> 00:36:22,000
Speaker 4: up some collaborations and growing that project as well.

819
00:36:22,800 --> 00:36:23,799
Speaker 2: How exciting.

820
00:36:24,560 --> 00:36:26,440
Speaker 4: Yeah, and I would love to hire someone, but I

821
00:36:26,480 --> 00:36:28,880
Speaker 4: have to wait until after that house has settled.

822
00:36:29,280 --> 00:36:32,520
Speaker 2: Yeah, like your first hire, I reckon is the scariest hire.

823
00:36:33,239 --> 00:36:34,240
Speaker 4: It is so scary.

824
00:36:34,400 --> 00:36:38,440
Speaker 2: It's like the responsibility that you take on, but also

825
00:36:38,480 --> 00:36:40,879
Speaker 2: it just feels like a really heavy responsibility. But it'll

826
00:36:40,920 --> 00:36:42,320
Speaker 2: be the best time of your life, I promise.

827
00:36:42,760 --> 00:36:44,920
Speaker 4: Okay, good. That gives me confidence.

828
00:36:45,120 --> 00:36:47,440
Speaker 2: I mean as someone who hired their first person and

829
00:36:47,520 --> 00:36:49,000
Speaker 2: was like, oh, I'm just going to like, you know,

830
00:36:49,120 --> 00:36:51,520
Speaker 2: have this one assistant. Now I have thirty plus stuff

831
00:36:51,960 --> 00:36:54,959
Speaker 2: like it does compound after that, but in the best

832
00:36:55,000 --> 00:36:58,640
Speaker 2: of ways. Yeah, all right, money, dirist. I have adored

833
00:36:58,719 --> 00:37:01,920
Speaker 2: our conversation, Like, I just think this is so cool,

834
00:37:02,120 --> 00:37:04,640
Speaker 2: Like you're just a hustler. I'm glad that we don't

835
00:37:04,640 --> 00:37:07,080
Speaker 2: have that boyfriend anymore. He didn't deserve you anyway, so

836
00:37:07,320 --> 00:37:10,640
Speaker 2: good riddance. But everything you've achieved on your own is

837
00:37:10,719 --> 00:37:12,960
Speaker 2: just such an inspiration because you've just done it on

838
00:37:13,000 --> 00:37:15,319
Speaker 2: your own, isn't that like the coolest thing ever? They're like,

839
00:37:15,400 --> 00:37:18,480
Speaker 2: I did this. No one helped me. Literally, they didn't

840
00:37:18,480 --> 00:37:20,000
Speaker 2: even try to help me, and that's why we kicked

841
00:37:20,000 --> 00:37:22,400
Speaker 2: them out. But I think it's just so cool. So

842
00:37:22,520 --> 00:37:24,799
Speaker 2: I know our community is going to have loved this

843
00:37:24,920 --> 00:37:27,120
Speaker 2: diary as much as I have, So thank you for

844
00:37:27,160 --> 00:37:30,239
Speaker 2: sharing it and being so candid. And yeah, I just

845
00:37:30,280 --> 00:37:31,520
Speaker 2: adore it, and I know they will too.

846
00:37:31,920 --> 00:37:33,319
Speaker 4: Thank you. I appreciate that.

847
00:37:39,560 --> 00:37:42,080
Speaker 3: The advice shared on She's on the Money is general

848
00:37:42,160 --> 00:37:46,000
Speaker 3: in nature and does not consider your individual circumstances. She's

849
00:37:46,040 --> 00:37:49,520
Speaker 3: on the Money exists purely for educational purposes and should

850
00:37:49,520 --> 00:37:52,720
Speaker 3: not be relied upon to make an investment or financial decision.

851
00:37:53,120 --> 00:37:55,560
Speaker 3: If you do choose to buy a financial product, read

852
00:37:55,560 --> 00:37:58,960
Speaker 3: the PDS TMD and obtain appropriate financial.

853
00:37:58,480 --> 00:37:59,960
Speaker 2: Advice tailored towards your knee.

854
00:38:00,640 --> 00:38:04,560
Speaker 3: Victoria Divine and She's on the Money are authorized representatives

855
00:38:04,600 --> 00:38:07,080
Speaker 3: of money. Sheper p T y L t D A

856
00:38:07,080 --> 00:38:10,000
Speaker 3: b N three two one six four nine two seven

857
00:38:10,120 --> 00:38:12,960
Speaker 3: seven zero eight a F s L four five one

858
00:38:13,160 --> 00:38:16,080
Speaker 3: two eight nine