Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming through.
Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and
Speaker 1: the storytelling of you to make a difference for today
Speaker 1: and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 2: Hello and welcome to The Money the Podcast Millennials who
Speaker 2: want financial freedom. Welcome back to another one of our
Speaker 2: Money Diary episodes where I get the absolute privilege of
Speaker 2: sitting down with oneever beautiful community members and learning all
Speaker 2: about their journey. Let's jump straight into it, because this
Speaker 2: week I got a message and it sounded just like this. Hi, Victoria.
Speaker 2: It has been a huge journey for me from meeting
Speaker 2: the love of my life and following him to Australia
Speaker 2: and leaving behind my dream job and my life only
Speaker 2: to find out that that relationship was toxic. Fortunately, I'm
Speaker 2: now reclaiming my self worth and I'm back on track.
Speaker 2: I'm sure many people in the community will relate to
Speaker 2: this story. Oh my gosh, they totally will. I'm so
Speaker 2: excited to have you on the show money Drest.
Speaker 4: Welcome, all welcome, thank you.
Speaker 2: Oh my gosh, I want to know so much about you. First,
Speaker 2: cab off the rank as always. What money grade would
Speaker 2: you give yourself if I asked you to give your
Speaker 2: money grades a rating between A through to F.
Speaker 4: Yeah, I think I'd actually give myself an AUS.
Speaker 2: No, Okay, I love this. You really are claiming yourself
Speaker 2: worth back.
Speaker 4: Yes, I am queen.
Speaker 2: Alright, let's jump into my favorite question of all time,
Speaker 2: money Diarist. Can you please share some more information with
Speaker 2: me about your money story. Yeah?
Speaker 4: Absolutely so. I moved to Australia in twenty seventeen and
Speaker 4: at the time I was the event and tour manager
Speaker 4: for a major global band.
Speaker 2: Yeah, I know, and you told me before, and like
Speaker 2: it is really really major so gold.
Speaker 4: Yeah, it was good. I was living the dream. I
Speaker 4: was having these amazing life experiences. I was making decent money,
Speaker 4: but it was one of those jobs where I was like,
Speaker 4: I'm happy making this amount of money because of the
Speaker 4: life experiences I'm getting. And then, as you introed, I
Speaker 4: met a Nazie man while we were both traveling and
Speaker 4: I ended up moving to Australia in twenty seventeen. So
Speaker 4: money wise, I continued doing that same job for about
Speaker 4: three years actually after I moved here.
Speaker 2: Oh my gosh, but.
Speaker 4: The money started getting smaller and smaller because what I
Speaker 4: could do from Australia was a lot less. Yeah, okay,
Speaker 4: so I wasn't making too much. I was making the
Speaker 4: bare minimum and everything was actually fine. There was nothing
Speaker 4: wrong with that. It was actually really okay. And then
Speaker 4: I was working through my company and Canada at the time,
Speaker 4: and then I got my Australian visa, which is really
Speaker 4: when I started my business here in Australia. And then
Speaker 4: I started making more and more and more money now
Speaker 4: that I could pick up Australian clients. So yeah, I
Speaker 4: went from okay money to almost minimal money to where
Speaker 4: I am now, where I'm making good money.
Speaker 2: Yeah, how good? Yeah, what's the butt? I know there's a.
Speaker 4: Butt, Well there's not a butt. Really. It was more
Speaker 4: just sort of the journey of what was happening during
Speaker 4: that money thing because my relationship, which I loved and adored,
Speaker 4: I didn't see it for quite some time how money
Speaker 4: was impacting that. So I was in a relationship where
Speaker 4: when I was making little to no money, everything was
Speaker 4: actually great. And it was when I started making my
Speaker 4: own money and making a lot of money that the
Speaker 4: problem started presenting themselves.
Speaker 2: Oh wow, and yeah, how did they kind of manifest?
Speaker 2: You know, you see this happen sadly often where it
Speaker 2: actually is a power dynamic thing where you know, the
Speaker 2: male in the relationship goes but I'm the bread winner,
Speaker 2: and you know they don't realize maybe they're doing it,
Speaker 2: but like they just like to be the man of
Speaker 2: the house, right, They make a big dollars and then
Speaker 2: when their wife starts bringing in a bit more, they're like, oh,
Speaker 2: I don't really like this. What did that look like
Speaker 2: for you?
Speaker 4: Yeah? And I will say I don't think it was
Speaker 4: intentional at all, Like he, to be fair, did not
Speaker 4: have a malicious bone in his body, which makes it
Speaker 4: even harder to actually see it for what it is
Speaker 4: when it's so casual. The first time it really presented itself,
Speaker 4: that took me time to realize what it was was
Speaker 4: he did as you advocate for all the time, ask
Speaker 4: for a fine ancial arrangement, which I was happy to sign. Yeah,
Speaker 4: So to sign an agreement, I was very responsible, very
Speaker 4: above board. We never ended up going through and doing one. Yeah,
Speaker 4: And I never quite understood why, And I thought, oh,
Speaker 4: maybe he just wasn't worried about it, which was silly
Speaker 4: of me to think.
Speaker 2: Yeah, it's always the way, right. Yeah, when you're in love,
Speaker 2: you're like, I trust this person one thousand percent.
Speaker 4: Because we both got our own lawyers, because you have
Speaker 4: to get your own advice, and they want to make
Speaker 4: sure you're not coerced into signing it, and they run
Speaker 4: through all the scenarios with you that could potentially make
Speaker 4: it an a one boid.
Speaker 2: Yeah.
Speaker 4: What I've realized in hindsight was he presented this to
Speaker 4: me saying, you know, I want to get one within
Speaker 4: one hour of us submitting for my partner visa.
Speaker 1: What.
Speaker 4: Yeah. So he's like, all right, obviously, you know I'm serious,
Speaker 4: Like we just submitted for this big visa. And then
Speaker 4: he's like, now that we've done this, I want a
Speaker 4: financial agreement, okay, which to me, I'm like fine, I
Speaker 4: don't care about doing that already.
Speaker 2: Maybe it makes sense, like yeah, yeah, all right, I
Speaker 2: can see where you're coming from with just being like
Speaker 2: yeah whatever.
Speaker 4: Yeah, but in the eyes of the law, yeah, talking
Speaker 4: about coercion, that would forever present an argument that me
Speaker 4: not signing the agreement would have affected my visa and
Speaker 4: my ability to stay in the country.
Speaker 2: Oh my gosh, it would have too. Did you think
Speaker 2: about that at the time or were you just like, no, no, no, babe,
Speaker 2: that's fine, let's do like this financial thing, because like
Speaker 2: we're on a roll.
Speaker 4: Yeah. No, I didn't think of it at all, And
Speaker 4: I would have never felt coursed. I would never sign
Speaker 4: something I'm not comfortable with. And of course, but the
Speaker 4: argument was there as a result of how that played
Speaker 4: out forever.
Speaker 2: Right, yeah, oh my gosh.
Speaker 4: And it took me a long time to realize that's
Speaker 4: what happened, and that's why he kind of dropped it.
Speaker 4: But what happened after that was there was no point
Speaker 4: where he ever felt comfortable with a financial arrangement. So
Speaker 4: as I started becoming more successful and I was thinking
Speaker 4: about buying a house and I'm thinking about to do
Speaker 4: these things, and I'm thinking about wanting to do them
Speaker 4: with him.
Speaker 2: Ye, of course, because you're in a marriage and you're like,
Speaker 2: we are in love, well, partnership, yeah, but like you
Speaker 2: were serious. Yeah, And I guess I used marriage flippantly
Speaker 2: because you know, to me, it doesn't matter whether you
Speaker 2: are you or not. But like, clearly you moved across
Speaker 2: the world for him, so you weren't just like casually
Speaker 2: dating on the side.
Speaker 4: You know exactly. But what happened from that moment on?
Speaker 4: I was always a financial liability before I was a partner. Yeah, okay,
Speaker 4: and that started to grow and grow as I became
Speaker 4: more successful. No, yeah, and it doesn't feel good.
Speaker 2: I can imagine. And then what happened then? Were you
Speaker 2: like I just can't deal with this, was just like,
Speaker 2: you know, a cause of like lots of arguments in
Speaker 2: your relationship or was this like an underlying thing? How
Speaker 2: did it? I guess manifest day to day?
Speaker 4: Yeah, very underlying. So for quite some time it was good.
Speaker 4: I was big into you know, wanting to carry my
Speaker 4: own weight and keeping things fifty fifty.
Speaker 2: Like a queen.
Speaker 4: Yes. And then one thing now that I would advocate
Speaker 4: for anyone because when I was making less and we
Speaker 4: moved into a new place, we talked about the finances.
Speaker 4: We agreed that he would pay three weeks of the
Speaker 4: rent out of every four. I'd pay one week, and
Speaker 4: then I'd pay the utilities. Okay, and we thought that's
Speaker 4: probably fair. He was making at that time about three
Speaker 4: times as much as I was.
Speaker 2: Okay, so you split it based on I guess, relationship
Speaker 2: equity and equality like looked at it and went, oh,
Speaker 2: it's the fairest like outcome here.
Speaker 4: At that time, that was the idea.
Speaker 2: Yeah.
Speaker 4: What we didn't do, and I would do and tell
Speaker 4: anyone to do moving forward, was actually write down what
Speaker 4: those utilities and other expenses entailed.
Speaker 2: Yeah, okay, because they do add up and sometimes you
Speaker 2: don't notice.
Speaker 4: As I was thinking about how everything was playing out
Speaker 4: and I was still in the relationship, I wrote it
Speaker 4: all down, and I was paying sixty percent of our
Speaker 4: bills while he was making three times as much as me.
Speaker 2: You were like, at the time, this made sense, but
Speaker 2: it isn't really mass.
Speaker 4: Yeah. We didn't actually right down the math. We were
Speaker 4: just like that sounds right.
Speaker 2: Yeah, and you trust each other, so like, why would
Speaker 2: that matter, Like we're both on the same page. Yeah, cheers.
Speaker 4: Yeah. So I was kind of realizing all these things.
Speaker 4: And the big turning point for me one day was
Speaker 4: I was heading out to go to work and he
Speaker 4: was getting ready, and I thought, Oh, where are you
Speaker 4: off to He's like, Oh, I'm going to the bank.
Speaker 4: I'm like cool, what are you doing there? He's like, Oh,
Speaker 4: I'm putting an offer and on a house, so I've
Speaker 4: got to go sign all the paperwork.
Speaker 2: Sorry, so what Yeah?
Speaker 4: And we hadn't talked about it, nothing, didn't mention he
Speaker 4: was by and I knew he'd been looking a long
Speaker 4: time on risk.
Speaker 2: How long have you been together at that point?
Speaker 4: Built four and a half years?
Speaker 2: Absolutely not, so what the heck?
Speaker 4: Yeah, this was a turning point this day.
Speaker 2: Oh my god, And like, come on, tell us what
Speaker 2: happened In that moment.
Speaker 4: I went silent because I was like, I need to
Speaker 4: process this.
Speaker 2: Surely it's a joke, Like surely.
Speaker 4: And I knew he'd been looking for rentals, but yeah,
Speaker 4: it's one thing to be looking for a year casually
Speaker 4: on your phone.
Speaker 2: I look on real estate, dot com, dot you all
Speaker 2: the time. It's like a like, I don't think my
Speaker 2: husband would look at me and be like, oh, I
Speaker 2: was just trying to buy a house without my consent,
Speaker 2: Like I'm just pervy, you know, Like that's not a
Speaker 2: weird habit.
Speaker 4: Well what happened was he laughed, and I laughed, and
Speaker 4: I'm stealing on it and I'm calling my friends and I'm.
Speaker 2: Like, can you just like fact check me? Like I'm
Speaker 2: not like unhinged for being mad about this, right, Like
Speaker 2: you're just checking in to make sure that's normal.
Speaker 4: Right exactly. I'm like, is this normal? Should I be
Speaker 4: mad about this? And everyone was like, yes, you should be.
Speaker 4: I would not be okay, And I'm like, okay, this
Speaker 4: is valid to be mad.
Speaker 2: I like that. As women, we often seek validation for
Speaker 2: our own feelings, even though your feelings are so valid
Speaker 2: and you feel what you feel and you don't need that.
Speaker 2: But I'm the same, Like, if I'm grumpy about something,
Speaker 2: first thing I do, I'm like, call friend. I'm like, hey,
Speaker 2: so like this is going on and these are my thoughts.
Speaker 2: Let's be honest. Half the time, your friends are absolutely
Speaker 2: gonna go money diarist. We love you. Yeah, you're right
Speaker 2: even if you're wrong, So like we just need the
Speaker 2: validation though.
Speaker 4: Hey, yeah I definitely did the calling around. I'm like,
Speaker 4: what is this?
Speaker 2: Is this unhinged or what? And then what happened?
Speaker 4: To be honest, I stressed myself out so much that day,
Speaker 4: like a ball of rage. I ended up in the
Speaker 4: hospital and had to get my gallbladder out that night.
Speaker 2: Well no you didn't.
Speaker 4: Yeah, the rage like manifested so strongly. Ooh no. So
Speaker 4: I was in the hospital for a few days and
Speaker 4: then recovering for a few weeks. So I didn't bring
Speaker 4: it up because I'm like, this is not a conversation.
Speaker 4: And then a few weeks later, I said, so, what
Speaker 4: happens that day? And he's like, oh, someone else put
Speaker 4: in a better offer.
Speaker 2: But he hadn't even mentioned it until a couple of
Speaker 2: weeks later, and you were like, hey, what happened to that?
Speaker 2: Did you buy a house that day? Because like you
Speaker 2: didn't come home and give any outcome? Yeah, what the heck?
Speaker 4: And I said, oh, well that's probably good because I
Speaker 4: don't think we would have been able to stay in
Speaker 4: this relationship if it did. He was just blindsided.
Speaker 2: He's like, what how would you be blindsided by that? Sir?
Speaker 4: What do you mean? Like, because he viewed and this
Speaker 4: is something I'm hoping he's worked on conversations as asking
Speaker 4: for permission. What it's a very unhealthy mindset, you reckon? Yeah,
Speaker 4: like to talk to me about it would have felt
Speaker 4: to him like he had to have my permission to
Speaker 4: do it.
Speaker 2: So instead, what I'll do is I'll just be really
Speaker 2: secretive and h had this really big financial decision from
Speaker 2: you and then just let you know that your opinion
Speaker 2: didn't mean anything to me.
Speaker 4: Yeah. Oh I could cry hearing that. But it's true.
Speaker 2: That's really nice of him to see it that way.
Speaker 2: Were you okay? Like what happened? So obviously that's a
Speaker 2: big conversation and he didn't see it coming.
Speaker 4: What happened after that because he was still looking for rental,
Speaker 4: I will say he did start trying to pull me
Speaker 4: in a little bit more because he was getting more
Speaker 4: serious about buying an investment property. Nice to him, so
Speaker 4: he started asking me and I was like, oh, this
Speaker 4: is really good, Like he kind of got it. But
Speaker 4: then then there were just all these moments and I
Speaker 4: call them little moments, but I feel like my therapist
Speaker 4: would kill me. They weren't little moments.
Speaker 2: We say little moments because along the way you don't notice,
Speaker 2: but in hindsight, you look back and you go, well,
Speaker 2: the little things are actually the big things.
Speaker 4: Yeah, Like I hit some like a financial milestone. I
Speaker 4: made my first when I realized I was going to
Speaker 4: make a hundred thousand in one year, queen. Yeah, I
Speaker 4: was like so happy. And I told him and he
Speaker 4: was just like, but you're not really making that, Like
Speaker 4: you have to pay tax on that, you have expenses,
Speaker 4: Like you're not actually making anywhere near that.
Speaker 2: Get in the bea. It doesn't matter, like I am
Speaker 2: hitting a milestone in my business. No, absolutely, you deserve
Speaker 2: a cheerleater. You don't deserve some dude who questions everything
Speaker 2: about your being. Absolutely not.
Speaker 4: And that's when I started turning to my friends, and
Speaker 4: my friends were like, that's amazing, Da da.
Speaker 2: Da, that's the energy we're looking for.
Speaker 4: So I stopped telling them about my milestones after that
Speaker 4: because I didn't want to be brought down a peg,
Speaker 4: which is never a good sign.
Speaker 2: No, that's a really bad sign. But yes, I completely
Speaker 2: understand why you might have done that.
Speaker 4: Yeah. And then I think the final nail in the coffin,
Speaker 4: which for me me was such a big moment, for him,
Speaker 4: it was probably so insignificant. He doesn't even remember saying it.
Speaker 2: Yeah, it's always the way, isn't it.
Speaker 4: Yeah. We were both off work. It was during the week.
Speaker 4: He'd been on the computer all day. I was doing
Speaker 4: other things, and like in the evening I went over
Speaker 4: and I was like, hey, like, do you want to
Speaker 4: do something You've been on the computer all day, Like
Speaker 4: I'd like to do something cute. And he looked at
Speaker 4: me and he said, I've made more money sitting here
Speaker 4: today than you make in a month.
Speaker 2: Sorry, that's not even related, sir, When it's not related
Speaker 2: to what are you trying to get out of saying
Speaker 2: this to me? Like, sometimes I think you just have
Speaker 2: to ask someone like did you mean to be disrespectful?
Speaker 2: You were trying to be like constructive, Like could you
Speaker 2: just let me know where this conversation was going, because
Speaker 2: like I'm not getting it.
Speaker 4: If I ever encountered a moment like that again, like
Speaker 4: how I respond would be very different. But in that moment,
Speaker 4: I just like looked at him and smiled and walked away.
Speaker 4: But like as I walked away, my knees felt like
Speaker 4: they were going to collapse. It was like I died
Speaker 4: on the inside.
Speaker 2: You do not need someone in your life who drags
Speaker 2: you down like that, that's actually discuss and I'm so
Speaker 2: sorry you had to go through.
Speaker 4: That, Yeah, because he told me. Also, he was like,
Speaker 4: I would never buy a house with you unless xyz,
Speaker 4: like I meet certain conditions.
Speaker 2: Oh the criteria. Yeah, okay, no worries.
Speaker 4: There's a way to have that conversation. And starting it
Speaker 4: off with I would never unless it's not the way
Speaker 4: to have it.
Speaker 2: Absolutely not, because we're either a team or we're not.
Speaker 2: Are we not meant to be a team? And my
Speaker 2: success is your success and like, you know, if I'm
Speaker 2: not doing well, your job is to, like, you know,
Speaker 2: pump me up and vice versa. Like life is a journey.
Speaker 2: It's not just about like doing one thing. But like
Speaker 2: if we're on a team, we're on a team. We've
Speaker 2: been here for four and a half years now, Like
Speaker 2: this is pretty serious. Not oh you have to meet
Speaker 2: my criteria. Who did you borrow that confidence from? Because
Speaker 2: it shows hell not yours.
Speaker 4: Yeah, And after that moment, because I felt so worthless
Speaker 4: by this point, oh no, Like even though I was
Speaker 4: making good money, I felt like I was so worthless.
Speaker 4: So I went to a mortgage broker and was like, yeah,
Speaker 4: how much could I get on my own? Like if
Speaker 4: we're both going to buy our own houses and do
Speaker 4: this on our own, and they gave me the dollar
Speaker 4: amount and I was like hold on, And that was
Speaker 4: such like a good moment where I'm like, why do
Speaker 4: I feel so worthless when I can do so much
Speaker 4: on my own? Like I don't even need him to
Speaker 4: buy a house?
Speaker 2: Yeah exactly.
Speaker 4: And that was the turning point where I think after
Speaker 4: I started exploring, that was when I started being ready
Speaker 4: to leave.
Speaker 2: Yeah good. And then what did that look like? So
Speaker 2: confidence back? You're like, actually, I really don't need you, sir,
Speaker 2: and your audacity is starting to become the centerpoint of
Speaker 2: our relationship and I'm not here for that. When did
Speaker 2: you just be like, O, hey, sir, you can buy
Speaker 2: your house with yourself for yourself, cause you're going to
Speaker 2: need to relocate.
Speaker 4: I think it took only a couple months from then.
Speaker 4: I think it was pretty quickly from that conversation with
Speaker 4: a mortgage broker to saying, if I'm gonna do all
Speaker 4: these things on my own anyways, I'm going to be
Speaker 4: on my own.
Speaker 2: Yeah good.
Speaker 4: And it only took a few months And when I
Speaker 4: said the words. The exact words were, I think it's
Speaker 4: time for us to accept that we're not partners.
Speaker 2: And how did that go? Was that toxicist? That an
Speaker 2: easy like change?
Speaker 4: It was devastating, Like we were both sobbing, like it
Speaker 4: was horrible. Yeah, but I'd made my decision at that point.
Speaker 2: I'm proud of you. And then tell me about after
Speaker 2: Obviously that was a while ago. How long ago was that?
Speaker 2: And what are you doing now?
Speaker 4: Yeah? So that was May twenty twenty two, and I
Speaker 4: don't know what's happened since then, but like there's so
Speaker 4: much to say for your energy. I've gone through the
Speaker 4: roof since then. I'm beyond my own capacity business.
Speaker 2: Wise, Yes, going How good is that?
Speaker 4: It's actually really good? Like I'm so proud of myself.
Speaker 4: And I will say it was a couple months after
Speaker 4: we broke up. I had my first twenty thousand dollars
Speaker 4: in one month.
Speaker 2: No, you didn't, how good?
Speaker 4: Yeah, but the very first thing I did was break
Speaker 4: down and sob. I was so sad because my first
Speaker 4: thought was, oh, I could still cry saying this was
Speaker 4: that wouldn't have been good enough for him? Like that
Speaker 4: was my very first thought, rather than celebrate.
Speaker 2: No, we're celebrating that. I'm so sorry that that was
Speaker 2: your spons But like we're not there now are we?
Speaker 2: Like now when you have epic milestones, how are we
Speaker 2: celebrating them?
Speaker 4: Oh it's good now, Like I had my first thirty
Speaker 4: thousand dollars a month and that was when my brain went, oh,
Speaker 4: there was no amount that would have been good enough,
Speaker 4: Like this is such a win for me.
Speaker 2: Yeah, one hundred percent. And we need to shift that
Speaker 2: mindset now.
Speaker 4: When I hit milestones, I just like do a little
Speaker 4: shimmy and I celebrate and I'm happy.
Speaker 2: Yeah, one hundred percent. Oh my gosh. All right, so
Speaker 2: you've mentioned obviously some pretty big sums, which is very
Speaker 2: very impressive. We need to know now, like you can't
Speaker 2: just hold that back. What do you do for work?
Speaker 2: How much money do you actually earn? My friend?
Speaker 4: Well, not every month is like that. I run my
Speaker 4: own event management business, running primarily corporate events all around Australia,
Speaker 4: going international. This year last financial year, I made two
Speaker 4: hundred and eight thousand dollars.
Speaker 2: Oh my gosh, what No, you didn't what a queen.
Speaker 4: Yeah, I'm so proud of you.
Speaker 2: Thank you, And you're about to take over the world
Speaker 2: because you're saying that your capacity is at its peak.
Speaker 2: So tell me what's the plan for business.
Speaker 4: Well, I'm at this weird spot in business where like,
Speaker 4: to grow, I have to spend.
Speaker 2: Yeah, I don't like that part. I got there and
Speaker 2: it makes you feel sick. You're like, but I don't
Speaker 2: want you spend. I just worked really hard for this cash.
Speaker 4: Yeah, I'm in a bit of a holding pattern right now,
Speaker 4: just because I am building a house.
Speaker 2: Oh of course you are. She's earning megabucks.
Speaker 4: You don't need no, man, No, I do not. I
Speaker 4: don't think any of us do.
Speaker 2: To be honest, we really don't. And you know what,
Speaker 2: another human doesn't make us a whole. Like we just
Speaker 2: want another human so that we can share our joy
Speaker 2: and our journey. And I think that that's the way
Speaker 2: it needs to be seen. How good is this that
Speaker 2: you're now in that position though? It's like going to
Speaker 2: be all on your term, so so exciting.
Speaker 4: And it's crazy, like I was holding myself back waiting
Speaker 4: for someone to want to do it with me when
Speaker 4: I just could have done it.
Speaker 2: Just get it done. It's fine.
Speaker 4: But it's all happening now, which fantastic.
Speaker 2: If men can do it, why can't wait do it?
Speaker 2: It can't be that hard if they're able to, right, Yes.
Speaker 4: For real.
Speaker 2: So you've got your own business, You're absolutely killing it.
Speaker 2: I'm obsessed. What are your big money goals? Like, what
Speaker 2: are you currently working towards? You mentioned you're building a house.
Speaker 4: Yeah, so, as I mentioned, I bought a house and
Speaker 4: land package with the organization you've had on here.
Speaker 2: Oh really?
Speaker 4: Yes?
Speaker 2: How good? So I'm a like really good influencer. Oh
Speaker 2: I love this.
Speaker 4: I did buy it November twenty twenty two.
Speaker 2: Yeah, okay, but we can pretend I had something to
Speaker 2: do with it.
Speaker 4: You reaffirmed it was the correct decision.
Speaker 2: They weren't a client yet, but now they are.
Speaker 4: That will title in June. There's a big part of
Speaker 4: money just sitting in my bank waiting to go out.
Speaker 4: And then, because I've been in Australia for six years
Speaker 4: now going on seven, really trying to grow my superin investments.
Speaker 2: Yeah that's exciting because everyone likes.
Speaker 4: To tell me, oh, you're super is low for your age,
Speaker 4: and I'm like, well, I also never heard of super
Speaker 4: until Yeah.
Speaker 2: Like I'm literally behind because I didn't live in this country.
Speaker 2: Sit down. Yeah, who's telling you you're behind as well?
Speaker 2: Let's just ditch them. Let's get them out, because that's
Speaker 2: not the energy we're bringing to the table.
Speaker 4: I know it was a pre meeting with a financial investor.
Speaker 2: Nah bread flag, red flag see you. Yeah, Oh my god,
Speaker 2: that makes me so angry. Please tell me you didn't
Speaker 2: get matched with them through the shees on the money community.
Speaker 4: I did not.
Speaker 2: Okay, good because I was about to be like, I'm
Speaker 2: gonna have some chats.
Speaker 4: No, no, no, I didn't.
Speaker 2: Yeah, well, I can match you with a good financial
Speaker 2: advisor if you would like one that isn't condescending and rude,
Speaker 2: so we can talk about that after. But you've been
Speaker 2: here for six years? Do we get to keep you?
Speaker 1: Like?
Speaker 2: Are you going to be staying in Australia? Like are
Speaker 2: you going to leave? I like your energy, Like we're
Speaker 2: lucky to have you, so if you could stay, be great.
Speaker 4: Ah, I'm staying. The house has been built, my citizenship's
Speaker 4: coming through anytime now. I'm definitely staying.
Speaker 2: How cool. All right, let's go to a really quick
Speaker 2: break on the flip side. We're going to talk about
Speaker 2: those investments. We're going to talk about debt, and we're
Speaker 2: going to talk about good and bad money habits because
Speaker 2: I feel like we've just got so much to learn
Speaker 2: from you. So guys, don't go anywhere. All right, money diarist,
Speaker 2: we are back. You mentioned before that you had won't
Speaker 2: call it a run in, but like if I was
Speaker 2: in the room, it would definitely have been a run
Speaker 2: in with a financial advisor who told you were behind.
Speaker 2: So tell me about investments, like, what's the plan? Do
Speaker 2: you have any? If not, what are they going to be?
Speaker 2: What's the plan? What are your thoughts around this?
Speaker 4: Yeah? So right now I do have about nineteen thousand
Speaker 4: in my super.
Speaker 2: Sorry and they said, oh, you're so behind, Sit down, yeah,
Speaker 2: because it's also all self nominated, So you're running your
Speaker 2: own business and you're paying yourself super. Do you know
Speaker 2: how many small business owners have been in business for
Speaker 2: ten twenty years and they're still not doing that? Like ah, queen.
Speaker 4: Behavior, Every single invoice that comes in from a client,
Speaker 4: a percentage of it goes into my super.
Speaker 2: You're a queen. What other investments have you got or
Speaker 2: are you planning to make? Obviously you've got your business,
Speaker 2: so I would assume that most of your focus is there,
Speaker 2: because that's how it works for me. What does that
Speaker 2: look like?
Speaker 4: Well, I do have about twenty grand in the stock market,
Speaker 4: depending on the day when I log in and track,
Speaker 4: which is painful sometimes.
Speaker 2: And what does that look like?
Speaker 4: Yeah? So about five grand of that and you can
Speaker 4: credit yourself for this is in my SHARE's ease account,
Speaker 4: is it?
Speaker 2: Actually? That's very cool?
Speaker 4: Yeah, because the same thing every single pay I get
Speaker 4: from a client that hits my bank, I automatically transfer.
Speaker 4: I have the five hundred dollars a month plan. Yeah, yeah,
Speaker 4: and I just max that out every month putting that in.
Speaker 2: Oh my gosh, obsessed.
Speaker 4: Yeah. And I used to try to like find a
Speaker 4: really good stock that looked like an up and comer,
Speaker 4: and then after listening to you, I just started being like, no,
Speaker 4: by responsible long term investments.
Speaker 2: We can be spicy with our Mugga raiders, I reckon.
Speaker 2: I think we just need to keep the investments boring
Speaker 2: because then we can afford more Mugga raders and like
Speaker 2: that's the life we all deserve, right, Yeah?
Speaker 4: Absolutely?
Speaker 2: What about the other fifteen grand? What's that in? And
Speaker 2: how did you do it?
Speaker 4: So that's in my CMC Market's account. I went through
Speaker 4: this like massive phase of like lithium and the future
Speaker 4: minerals yep, so that at fifteen grand actually would be
Speaker 4: way higher. There's been a dip in that market.
Speaker 2: Yeah, there has.
Speaker 4: What's same thing. I think it's a long term investment
Speaker 4: that will be going in the end.
Speaker 2: How good? And what got you into investing? Like, obviously
Speaker 2: you haven't been here for that long and both of
Speaker 2: these companies are Australian based platforms, so you've done this
Speaker 2: in the last six years, which is epic, But like,
Speaker 2: how did you start investing?
Speaker 4: Yeah? Absolute pettiness was the real answer to that.
Speaker 2: Yeah. Good, That's what drives a lot of my decisions
Speaker 2: as well, if we're being brutally honest.
Speaker 4: Because my ex invested a lot and he would kind
Speaker 4: of tell me some things, but as you may have gathered,
Speaker 4: he wouldn't never say like, oh I'm getting this much
Speaker 4: in this like you wouldn't have a conversation with me
Speaker 4: about it. So when we broke up, I was like, well,
Speaker 4: the only choice I have in life right now is
Speaker 4: to start beating him at the investment game. It's a
Speaker 4: competition with myself really, but you know, I love.
Speaker 2: It, Like a lot of people would be like, I'm
Speaker 2: going to get a better car than him and drive
Speaker 2: it in front of his house, but that's obviously a
Speaker 2: depreciating asset, and you're like, low, ki, I'm just gonna
Speaker 2: get rich af Like I'm just going to show him that,
Speaker 2: like he might have earned more than you at some point,
Speaker 2: but also I own my own business.
Speaker 4: Sit down, I know he's not right now.
Speaker 2: Cool for him.
Speaker 4: I like that, which I try not to be petty.
Speaker 2: Oh no, no, no, sometimes we need to be a
Speaker 2: little bit petty, Like we don't have to be petty
Speaker 2: the whole time, but sometimes we can be like I'm
Speaker 2: actually in a better place, thank you.
Speaker 4: Yeah, no, I feel bad saying that, but.
Speaker 2: Like you're the anonymous one, Like I've just said that
Speaker 2: publicly in front of my entire community, that I am
Speaker 2: not only petty, but I love it. It's like how
Speaker 2: I love gossip, Like I don't want to be involved,
Speaker 2: but like I would love to be a fly on
Speaker 2: the wall in some conversations, Like I will be brutally
Speaker 2: honest about that. Judge me if you want, but let's
Speaker 2: be honest. We're all here because we're all a little
Speaker 2: bit pervy. This is money diaries.
Speaker 4: After all, I'm going to take that energy, like, let's.
Speaker 2: Just go with it, like I am who I am?
Speaker 2: I can't change that. Talk to me about debt. Do
Speaker 2: you have any debt? What are your thoughts on debt?
Speaker 4: Yeah? So I have no debt, which I think is
Speaker 4: a really good position to be in. I will as
Speaker 4: soon as, obviously the mortgage comes yep. But at this moment,
Speaker 4: I have no debt.
Speaker 2: And what will your mortgage look like?
Speaker 4: Yeah? So I got really lucky getting in so early.
Speaker 4: So I bought it November twenty twenty two for six
Speaker 4: seventy so four bedroom house, three mathrooms, six hundred and
Speaker 4: seventy k just outside of Melbourne.
Speaker 2: Yeah, that's very nice.
Speaker 4: Yeah, and that's the advantage of buying so early.
Speaker 2: Yeah.
Speaker 4: But I've got twenty percent down. So my mortgage I
Speaker 4: think it's about the five thirty four marc.
Speaker 2: And you've already paid the whole twenty percent deposit.
Speaker 4: No, So when you initially do it, there's a certain
Speaker 4: percentage you have to put down, and then when the
Speaker 4: land titles, you put the balance of the deposit down.
Speaker 2: So you've just got that sitting in cash waiting in like.
Speaker 4: A high interestceivdings account.
Speaker 2: Yeah, yeah, and that's what you're talking about before. And
Speaker 2: then once that goes down, then you've obviously got your
Speaker 2: mortgage broker lined up to get your loan in stated
Speaker 2: and you reckon that'll be about five hundred and thirty
Speaker 2: four thousand dollars. Yeah, and then I need to know,
Speaker 2: obviously brought in November twenty twenty two, is that property
Speaker 2: like if you look in the same areas, is that
Speaker 2: property now worth six seventy years? It a little bit
Speaker 2: more than that, because like I have a sneaky suspicion.
Speaker 4: If someone got that lot beside me, exact same house,
Speaker 4: same lot, size, everything, it would be about seven sixty
Speaker 4: Right now.
Speaker 2: Money, we look at this queen, she's like got her
Speaker 2: own business killing it. But also you've got like this
Speaker 2: investment that hasn't even like vested yet. How exciting.
Speaker 4: I know, I am excited.
Speaker 2: I'm excited for you. And you said it was just
Speaker 2: out of Melbourne. Are you moving straight in to this?
Speaker 2: Is this an investment property?
Speaker 1: Like?
Speaker 2: What does this look like?
Speaker 4: So the plan right now, because of what I've been
Speaker 4: doing to save the money, will be to move into
Speaker 4: it just to have a bit of stability and enjoy
Speaker 4: it and be proud of it.
Speaker 2: Yeah, and a five point thirty four thousand dollars mortgage
Speaker 2: is very reasonable in Melbourne. I know interest rates are
Speaker 2: quite high at the moment, but that is still very palatable.
Speaker 2: It's still very you know, reasonable, especially in this current
Speaker 2: market where the average property price in Melbourne is more
Speaker 2: than a million dollars. Now, like you're killing it. Yeah,
Speaker 2: I'm obsessed with that. So tell me what are your
Speaker 2: best money habits do you think? Because I feel like
Speaker 2: you've probably always had some pretty good money habits, especially
Speaker 2: because you were, like, oh I didn't you know, used
Speaker 2: to earn heaps and heaps of money. But I also
Speaker 2: think that there's a lot of confidence that you have
Speaker 2: now that you didn't have before, and they might play
Speaker 2: into your money habits.
Speaker 4: So tell us teach us for sure. So my best
Speaker 4: money habit, I would say, is how actually resourceful I
Speaker 4: am with money now. So the way I've structured it
Speaker 4: because I wanted to buy a house really quickly after
Speaker 4: the breakoup spite driven. I like it like I don't
Speaker 4: have family here, like no support with the house process.
Speaker 4: So I decided to houset it full time.
Speaker 2: Oh cool.
Speaker 4: So I house it for people who are overseas in
Speaker 4: Europe for a few months, so I don't have rent,
Speaker 4: I don't have utilities, like I found ways to get
Speaker 4: spat treatments at no cost, my hair done at no costs, like,
Speaker 4: I almost eliminated every cost in my life.
Speaker 2: Obviously, no one knows who you are and they can't
Speaker 2: say you, but I can. Your beautiful blonde hair you
Speaker 2: get done for free. Yeah no, you don't. That does
Speaker 2: not look free, babe. I'm really sorry.
Speaker 4: I am particular about who I go to.
Speaker 2: Of course it's obvious.
Speaker 4: Yeah no, I found a way to cut out almost
Speaker 4: every cost in life to be able to make the
Speaker 4: house happen fast.
Speaker 2: Okay, you can't say that and not tell us how
Speaker 2: like you can't be like, yep, I found a hack
Speaker 2: to cutting out every cost in life.
Speaker 4: Yep.
Speaker 2: So moving on, Like, how where are you finding these?
Speaker 4: It's like what the house sitting thing to save Ryan
Speaker 4: was trusted house sitters. So I do move every few months,
Speaker 4: which has a toll in itself. It's a little bit
Speaker 4: of a lack of stability for long term goal. I'm
Speaker 4: in tons of like model groups. So hairdressers, you want
Speaker 4: to do upgrades or treatments, or I'm a model for
Speaker 4: a big skin company, so I get all my like
Speaker 4: skin treatments and needlin and I got a peel a
Speaker 4: few days.
Speaker 2: Oh, very nice big skin companies a fancy too.
Speaker 4: You want to give up my lifestyle, gol you have it? Yeah? Yeah,
Speaker 4: And I go to the massage school for massages for
Speaker 4: like ten dollars for an hour. Like so I just
Speaker 4: found a way of all the things I love. How
Speaker 4: can I still do those things without spending a fortune.
Speaker 2: Tendalls an hour for a massage?
Speaker 1: Did you know?
Speaker 2: I didn't even know that was a thing. I'm going
Speaker 2: to need it. Oh, I didn't even know that existed.
Speaker 2: Like you joking. I don't care who's doing it, as
Speaker 2: long as you're rubbing my back and telling me that
Speaker 2: I'm a nice lady. I mean yeah, like ten ou
Speaker 2: ten experience?
Speaker 4: Even my AUTI wrinkle, like I pay one fifty for
Speaker 4: crows feet forehead brown.
Speaker 2: No, you don't. Yeah, excuse me, Like I've been public
Speaker 2: about this, Like I get botox at the moment I'm pregnant,
Speaker 2: so I definitely haven't had botox in like the last
Speaker 2: eighteen months. But when I do it, that's like a
Speaker 2: four hundred and fifty dollar cost and now you're just
Speaker 2: getting it for one fifty because you're just like, by
Speaker 2: the way, Victoria, you're an idiot, I've hacked the system.
Speaker 2: All right, Well, we have a lot to talk about
Speaker 2: offline because I'm going to need some information on that.
Speaker 2: Like we're going to need all of this. Is this
Speaker 2: something that you've always been good at hustling up or
Speaker 2: were you like no, no, no, like this is recent.
Speaker 4: I think I was always really good at hustling his
Speaker 4: for the longest time. Travel was a priority for me,
Speaker 4: So very different ways, but same resourcefulness. Like I was
Speaker 4: using house sitting, I was using couch surphine, I was
Speaker 4: using like I was finding ways to travel and pain
Speaker 4: almost next to nothing to travel. Same skill, but different priorities.
Speaker 2: Yeah, so smart. Does this woman have any bad money habits?
Speaker 4: Well, if you asked me to go to Croatia tomorrow,
Speaker 4: I'd be like, well, I do not have any events
Speaker 4: next week, so I could do that.
Speaker 2: She's spontaneous. We like that. This could be a really
Speaker 2: good dating profile. By the way, like you're selling me,
Speaker 2: I'm like, yep, she's a catch. Ten out of ten,
Speaker 2: so you're spontaneous. Like, that's not a bad money habit.
Speaker 2: But like, is that because you get fomo or is
Speaker 2: that because you really valued travel? Like what would that
Speaker 2: decision making process be like in your head?
Speaker 4: I really value travel, I would say, because it's just
Speaker 4: such a good reminder of like how resilient you are
Speaker 4: and how you can navigate your way through foreign countries
Speaker 4: and like you really remember the best parts of yourself
Speaker 4: when you're traveling, and I love that.
Speaker 2: That's actually really beautiful. But also like, you can't tell
Speaker 2: me that that's in a bad money habit.
Speaker 4: I probably do it to a point where too many times.
Speaker 2: Do you have a lot of friends that are like, hey,
Speaker 2: do you want to go to Croatia next week? If so,
Speaker 2: where do I find more friends like that? Because a
Speaker 2: lot of mine are like, hey, do you want to
Speaker 2: go for coffee next week? And I'm kind of like, well, yeah,
Speaker 2: but you didn't offer Croatia, so.
Speaker 4: Not a lot. I did end up in Dubai a
Speaker 4: few weeks ago because of an opportunity a girlfriend. I
Speaker 4: love this mostly I travel so well.
Speaker 2: Adore that's not the worst money habit, especially because you're
Speaker 2: such a hustler. In every other aspect, like it's clearly
Speaker 2: not crippling your ability to get ahead, Like you're killing it.
Speaker 2: I love it all right. So at the start of
Speaker 2: this episode, you said, look, I reckon, I'm an as.
Speaker 2: What would that take to get to an A plus? Like,
Speaker 2: what does that actually look like for you personally.
Speaker 4: Coming out of what we just discussed.
Speaker 2: Yeah, because I think you're an A plus. So like
Speaker 2: it's kind of like a double edged sword. I'm like,
Speaker 2: tell me, why don't you think you're good enough after
Speaker 2: all of this?
Speaker 4: Only because I will book so many last minute flights
Speaker 4: where then your mind goes like, oh, that flight was
Speaker 4: two thousand dollars I could have saved. But you're right, like,
Speaker 4: I am doing fine with doing that.
Speaker 2: I mean, it's a lot of money, so I can
Speaker 2: see why you're questioning it. But I also think we
Speaker 2: need to have some balance in life. Like I've said
Speaker 2: so many times before, and I say this to all
Speaker 2: of my friends and family because I'm a little bit
Speaker 2: like woo woo at the same time. But old age
Speaker 2: is a privilege that is denied to so many people.
Speaker 2: And when we're talking about life, it's really for me
Speaker 2: about the journey and enjoying it. And that's why I've
Speaker 2: never been one of these, I guess finance people who
Speaker 2: are like, you know, I want to create fire, which
Speaker 2: is like financial independence, retire early because I'm just like,
Speaker 2: I cannot see myself dedicating ten or twenty years to
Speaker 2: living super frugally and not enjoying my life along the way,
Speaker 2: so that you know, hopefully in the future when I
Speaker 2: get there, I have enough money to live the life
Speaker 2: that I think I deserve. Like, why can't we just
Speaker 2: do that the whole way and have some level of balance,
Speaker 2: Like I'm not that type of person who you know,
Speaker 2: wants to save and scrimp on every penny because it's
Speaker 2: not of value to me. And does that mean that
Speaker 2: I don't respect people who do that. No, absolutely not,
Speaker 2: Like get it if that's what you want to do,
Speaker 2: But for me, I'm kind of like, well, it's a
Speaker 2: two thousand dollars flight. But as you said before, you
Speaker 2: were like, you remember the best parts of you when
Speaker 2: you travel, Like is that not what we should be
Speaker 2: focusing on? Like should we not be focusing on what
Speaker 2: sparks joy and what brings out the best in us
Speaker 2: so that you know you can come home and build
Speaker 2: your business and become a really big hustler and buy
Speaker 2: your house and then you know, go all right, well,
Speaker 2: I do need to get away again, because like that's
Speaker 2: what sparks joy Like. I just can't see it as
Speaker 2: a bad money habit. From that lens, this is as
Speaker 2: good as therapy. It's almost like I like did psychology
Speaker 2: as well.
Speaker 4: Wild Everything you said is so true.
Speaker 2: But yes, I'm glad I can't see it as a
Speaker 2: bad money habit. I look at this, I'm like, holy guacamole.
Speaker 2: You are so impressive. Like your business is obviously thriving.
Speaker 2: Everything else in your life is thriving. What's next? Obviously
Speaker 2: you've got a few decision to make about growing and
Speaker 2: maybe scaling your business, But like, have you got any
Speaker 2: plans in place? Where are we off to?
Speaker 4: I do have, in addition to the business side project
Speaker 4: that I do that is profitable at this time, that
Speaker 4: I'm doing a number of things to grow that. So
Speaker 4: I'm working a lot on the side on like setting
Speaker 4: up some collaborations and growing that project as well.
Speaker 2: How exciting.
Speaker 4: Yeah, and I would love to hire someone, but I
Speaker 4: have to wait until after that house has settled.
Speaker 2: Yeah, like your first hire I reckon is the scariest hire.
Speaker 4: It is so scary.
Speaker 2: It's like the responsibility that you take on, but also
Speaker 2: it just feels like a really heavy responsibility. But it'll
Speaker 2: be the best time of your life, I promise.
Speaker 4: Okay, good. That gives me confidence.
Speaker 2: I mean as someone who hired their first person and
Speaker 2: was like, oh, I'm just going to like, you know,
Speaker 2: have this one assistant. Now I have thirty plus stuff
Speaker 2: like it does compound after that, but in the best
Speaker 2: of ways. Yeah, all right, money, dirist. I have adored
Speaker 2: our conversation, Like, I just think this is so cool,
Speaker 2: Like you're just a hustler. I'm glad that we don't
Speaker 2: have that boyfriend anymore. He didn't deserve you anyway, so
Speaker 2: good riddance. But everything you've achieved on your own is
Speaker 2: just such an inspiration because you've just done it on
Speaker 2: your own. Isn't that like the coolest thing ever? The
Speaker 2: you're like, I did this. No one helped me. Literally,
Speaker 2: they didn't even try to help me, and that's why
Speaker 2: we kicked them out. But I think it's just so cool.
Speaker 2: So I know our community is going to have loved
Speaker 2: this diary as much as I have. So thank you
Speaker 2: for sharing it and being so candid and yeah, I
Speaker 2: just adore it and I know they will too.
Speaker 4: Thank you. I appreciate that.
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Speaker 3: in nature and does not consider your individual circumstances. She's
Speaker 3: on the Money exists purely for educational purposes and should
Speaker 3: not be relied upon to make an investment or financial decision.
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