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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

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it. She's on the Money. She's on

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Speaker 2: the Money. Hello, and welcome to She's on the the

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Speaker 2: podcast for millennials who had a barbie party last weekend

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Speaker 2: and it was basically the most lit thing in the

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Speaker 2: entire world, but nobody cares. So today is Friday, which

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Speaker 2: means it is time to celebrate you because last Saturday

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Speaker 2: at my barbie party, it was about me, but today

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Speaker 2: it is about you and celebrating how incredible she is

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Speaker 2: on the Money community, we are genuinely so excited to

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Speaker 2: be back again for another Friday episode. Today we're going

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Speaker 2: to be sharing our favorite money wins or is just groo.

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Speaker 2: She is going to be taking us through the top

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Speaker 2: tips and the top money wins from our group. We'll

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Speaker 2: be helping to answer a juicy money dilemma, which this week, guys,

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Speaker 2: it's all about understanding the pros and cons of being

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Speaker 2: a casual or a part time worker and how that works. Beck,

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Speaker 2: You're going to sprinkle in some more broke tips, which

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Speaker 2: we're very excited about. And we're going to be unpacking

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Speaker 2: something you slid into our DMS about and we're going

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Speaker 2: to discuss how to bring up a prenup with your partner.

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Speaker 2: How do we have that conversation? So that could be

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Speaker 2: really fun. But first things first, my loves, how was your.

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Speaker 3: Week so good? I feel like the Barbie party just

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Speaker 3: like set the week off on a high. If you

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Speaker 3: follow me on Instagram, you know getting that costume together

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Speaker 3: was quite the audio.

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Speaker 2: You love a theme though we love see commit it well.

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Speaker 2: Beck dyed her head.

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Speaker 3: Will not dye her hair, It spray hated her hair

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Speaker 3: a different color. So I feel like everyone bought in.

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Speaker 3: And I said on the night, it's so rare that

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Speaker 3: you have a party like that with as many people

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Speaker 3: as you did. And every single persons committed, every single

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Speaker 3: person went hard. It was so much fun.

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Speaker 2: I mean, it was probably the aggressive invitation that I sent.

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Speaker 2: If you remember, the invitation did say that was great

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Speaker 2: standard barbies will be rejected at the door if you

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Speaker 2: do not dress up. Don't bother coming, like go hard

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Speaker 2: or go home, Like this is a costume party. Sure,

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Speaker 2: for sure, not one person didn't put effort in.

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Speaker 4: No, that's true, that is true. I really like that.

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Speaker 4: But also this is something I do get nervous about

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Speaker 4: when it comes to themes, is that they're going to

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Speaker 4: cost a lot of money. They don't have to cost

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Speaker 4: that much. You were really creative, So just putting that

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Speaker 4: out there.

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Speaker 2: Jess already had a costume box full of costumes and

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Speaker 2: its next to my ready to go. That's an investment.

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Speaker 3: It is my boyfriend made in front of me, and

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Speaker 3: then I got to whip it out and be like, there.

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Speaker 2: You go, costume box is paying exactly.

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Speaker 3: How is your week back?

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Speaker 4: My week was really lovely. Hectic, hectic work week. Lot's

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Speaker 4: going on, but also really nice. I'm trying to like

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Speaker 4: make time for mates and also work, and I don't

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Speaker 4: want the two to bleed into each other. You know

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Speaker 4: what I mean, work time, Jessica, apologies, this is a worktime, babe.

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Speaker 3: No laughing, fellow business associate.

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Speaker 2: Hello, infer to each other.

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Speaker 4: By name anymore?

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Speaker 2: Oh, yes, my colleague, this is my colleague, my estume colleague. No,

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Speaker 2: but my week has been pretty lovely. Oh how good?

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Speaker 3: Happy? My financial Yeah?

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Speaker 2: By the way, Oh, isn't it exciting huge me? Yes.

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Speaker 2: If you guys have fallen a little bit off track

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Speaker 2: when it comes to your financial goals, I think this

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Speaker 2: time of year it's perfect to just get back on

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Speaker 2: the horse.

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Speaker 4: Yeah.

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Speaker 2: I feel like so many times we get to July,

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Speaker 2: Oh my gosh, I haven't achieved anything. So we still

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Speaker 2: have like literally six full months to do so much stuff.

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Speaker 2: Zachly like, get back on it. If you haven't done

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Speaker 2: your budget, download our free budget from our website. If

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Speaker 2: you're worried about cash flow, now is the time to

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Speaker 2: sit down and go through your finances. If you haven't

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Speaker 2: got your insurances in order, now's the time you want

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Speaker 2: to review your mortgage. Go talk to Kate at Zella Money.

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Speaker 2: There are so many things that you can do to

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Speaker 2: put yourself in a better financial position. And I mean

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Speaker 2: listening to this podcast is arguably the best one you've

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Speaker 2: made this year.

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Speaker 3: Well done starting the financial year off on a great foot.

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Speaker 2: I love it all right, Well, let's dive straight into

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Speaker 2: something that is literally my favorite thing ever, and that's

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Speaker 2: like our money wins thread. Just Grichier. What have you

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Speaker 2: pulled out to share with the team this week?

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Speaker 3: My first is a money loss who came from Ali,

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Speaker 3: but I'm going to follow it up with a potential

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Speaker 3: money win. She said, money loss took the kids to

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Speaker 3: Disney on Ice, but life win. We had the best

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Speaker 3: family night I ever. And I actually just got a

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Speaker 3: TikTok the other night that had someone who was going

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Speaker 3: to Disney on Ice and it was a video and

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Speaker 3: she'd gone to Kmart and she'd bought a bunch of

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Speaker 3: Disney merch there for a quarter of the price and

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Speaker 3: just took it with her and pulled it out of bag.

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Speaker 2: Was like, oh look what I got you?

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Speaker 3: Oh so smart, because that's those slates will take you

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Speaker 3: for a ride. I think it was something like seventy

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Speaker 3: dollars for a soft toy, so going it came out

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Speaker 3: of a target or when Jessica spent it, yep, one

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Speaker 3: hundred percent. I would not a question.

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Speaker 2: No, no, no, no no, would did you have will? We

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Speaker 2: went to Disneyland twice last year? I'm for she Sure

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Speaker 2: she went hamd both times. Wow, bought the overpriced merch.

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Speaker 2: If you're taking a kid, they're not going to know

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Speaker 2: so exactly early I should have done that to Jess.

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Speaker 2: Look at these ears. Jess would have been like, yeah,

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Speaker 2: I haven't seen these ones in this the fifty different

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Speaker 2: Disney stores I've been into today, it's a cure.

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Speaker 4: Or if you go to an ice rink and dress

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Speaker 4: up as whoever the Disney or not, I just won't

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Speaker 4: know the difference.

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Speaker 3: Not a clue. Could just be back in Victoria's skating

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Speaker 3: exactly like.

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Speaker 2: Me on ice skates. Would not be a good idea,

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Speaker 2: it would be funny. Let's save you money, let's do it.

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Speaker 2: Let's get our disney is out and go ice skating. Yeah,

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Speaker 2: she's on the money, Disney or.

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Speaker 3: Us done done, I'll see there. My next money wind

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Speaker 3: comes from Claire, who said money win. I'm rereading my

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Speaker 3: books in my bookshelf again, so I've saved myself twenty

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Speaker 3: five dollars. I'm buying a new book Love It.

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Speaker 2: It's a good money win.

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Speaker 3: Simple but effective. Next, I've got a money in from Julia,

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Speaker 3: who said, instead of buying a new dress swear for

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Speaker 3: a wedding, a friend of a friend let me borrow

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Speaker 3: one of hers for the day.

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Speaker 2: I just like the idea of that, and I love

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Speaker 2: that they weren't like a super close friend. We're becoming

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Speaker 2: far more comfortable with sharing clothes. I feel like the

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Speaker 2: sharing is the way to go.

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Speaker 3: Sharing truly is caring, especially in this economy. So you'd

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Speaker 3: love to see it.

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Speaker 2: You best believe I'll be asking to borrow that too, too.

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Speaker 2: Off Jessica that she walter my Barbie party.

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Speaker 3: Anytime from casual Wednesday in the office. Yes, absolutely, don't

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Speaker 3: put it past me.

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Speaker 2: If that is an option. I am in a bad time.

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Speaker 3: My next money win is from Rihanna, who said money win.

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Speaker 3: I've been having a hard time personally for the last

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Speaker 3: few weeks. So on Saturday, a friend of mine made

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Speaker 3: me a home called lunch Slushpin Tobot. I was out

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Speaker 3: all day on Saturday and their lunch was such a lifesaver.

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Speaker 2: I love this. That is actually so wholesome. Are you

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Speaker 2: making lunch for the team this week?

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Speaker 3: Or I can try, But as a not great chef

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Speaker 3: you may or may not want.

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Speaker 2: We are all having dinosaur nugget.

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Speaker 3: That's exactly right. Next, I've got to win from Georgina,

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Speaker 3: who said we paid off three out of our five

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Speaker 3: expensive degu station restaurants by using credit card and Flybys

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Speaker 3: points translated to restaurant give outch Oh so smart. I've

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Speaker 3: spent months maximizing the points we could get on transactions,

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Speaker 3: particularly from Flybys to do this.

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Speaker 2: Oh great Flybys and Jessica two peas in a pod.

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Speaker 2: In fact, this week I went to the Flybys office actually,

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Speaker 2: and I had a corporate speaking event which was so

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Speaker 2: slagh like. Imagine telling the Flybys team, who are arguably

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Speaker 2: better at budgeting like they are the queens at Tips

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Speaker 2: and Trigs. They asked me to come in and tell

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Speaker 2: them that is really cool, isn't it cool?

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Speaker 5: Yeah?

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Speaker 3: So fun.

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Speaker 2: I'm very jealouyh. Just so you know, Beck would like

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Speaker 2: to draw your attention to the fact that she drew

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Speaker 2: a sushi.

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Speaker 4: I don't know why you.

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Speaker 3: I don't want you not sure a while.

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Speaker 4: I need you to just look at the sushi that

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Speaker 4: I drew because you said beno box sorry continued, Yes,

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Speaker 4: we'll put a picture online.

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Speaker 2: Yes please if you think you're not nerospicy baby roll.

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Speaker 3: Next, money when comes from Shivanji, who said money Win

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Speaker 3: shopped for the entire year at the Iconic sale, bought

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Speaker 3: twenty ish pieces of clothing and got fifty percent off

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Speaker 3: my entire shop on top of the sale price. Ended

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Speaker 3: up paying seven hundred dollars for shopping worth three thousand,

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Speaker 3: eight hundred dollars. Then I used shop back and Cornus

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Speaker 3: points to get extra points on it and that was

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Speaker 3: beautiful too.

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Speaker 4: Oh my god, shop back. I love shot back.

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Speaker 2: How good?

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Speaker 3: It just reminded because I feel like we haven't said

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Speaker 3: in a while, but the code SotM gets you ten

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Speaker 3: dollars if you sign.

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Speaker 2: Up to shop back, and I have used it before

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Speaker 2: and that's a big money win.

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Speaker 3: Yes, big money wing. I am their biggest fan. And lastly,

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Speaker 3: I'm just summarizing almost the entire thread from this week.

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Speaker 2: It went bothways.

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Speaker 3: Hundreds of people hundreds is it money win of money

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Speaker 3: us did or did not get Taylor Swift tickets?

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Speaker 4: Yeah?

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Speaker 3: Oh my gosh, we feel you, we see you. We're

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Speaker 3: working on a little solution. Could you say you didn't.

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Speaker 2: We've got four little solutions that we're trying to find

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Speaker 2: a solution before.

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Speaker 3: Yeah, we're trying to find a solution to give you

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Speaker 3: a solution. But just know we're working on it. We've

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Speaker 3: got your back, besties. You're gonna want to be following

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Speaker 3: us on Instagram and on Facebook.

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Speaker 2: That you need to be following us on socials because

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Speaker 2: it won't be on the phone.

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Speaker 3: No, it'll be a little surprise.

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Speaker 2: Interesting.

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Speaker 3: You didn't hear it from me though.

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Speaker 2: Imagine if it was just like us giving away pictures

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Speaker 2: of Taylor sw I.

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Speaker 4: I was thinking that too. I was like imagining you guys.

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Speaker 2: Just no, it's not it will make you cry. It

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Speaker 2: made me cry. It's very anyway, carry on, carry on,

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Speaker 2: carry all, right, Beck, I need to know your broke tip.

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Speaker 2: What have you got?

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Speaker 4: Anyway, I'm kind of excited about these ones because they're

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Speaker 4: very relatable, I would think.

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Speaker 2: To the general public.

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Speaker 4: So the first one comes from Grace, who has two

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Speaker 4: for me, so I'll read them both out.

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Speaker 2: The one is reuse.

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Speaker 4: Your tea bags. We were talking about reusing off air.

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Speaker 2: Draw the line at the tea bag reuse.

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Speaker 4: Usually I mean usually same but if you know, if

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Speaker 4: you have one tea bag left and you literally can

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Speaker 4: we've all been there, We've all been there by a

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Speaker 4: new box. Reuse the tea bag, don't worry about it.

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Speaker 4: This would be like a flavorful water which can be delivered.

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Speaker 4: Wee tea is for plebs rather than reusing.

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Speaker 3: Could you maybe double up the quantity of water that

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Speaker 3: you're putting it into because they just worry about bacteria.

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Speaker 2: I'm not for tea leaves.

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Speaker 4: Surely, if you're like maybe making two teas or something

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Speaker 4: like that, you can at the same time at the

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Speaker 4: same time. But yes, ideally you know you want it

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Speaker 4: because they do get moldy or something.

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Speaker 3: For you would be thought. No, double double the water.

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Speaker 3: That's a good one. Double the water and then you

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Speaker 3: can pop one in the fridge for tomorrow.

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Speaker 2: Exactly right.

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Speaker 4: So reuse your tea bags, reuse anything that is able

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Speaker 4: to be reused, basically, I think is a really good

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Speaker 4: general tip. The next one is toothpicks. Yep, are you

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Speaker 4: re used toothpicks?

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Speaker 3: Good?

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Speaker 2: Move on. I'm not even going to see how many

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Speaker 2: different things you would reuse.

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Speaker 3: I ever used gum No?

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Speaker 4: Sorry, sorry, sorry, sorry, Okay, this.

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Speaker 2: Next one do you know if I make that sound?

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Speaker 2: Actually I hope I'm not triggering anyone, but if I

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Speaker 2: go in front of my husband, it triggers his gag briefly.

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Speaker 4: I know a few people that I would I'm sorry,

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Speaker 4: sorry if you're driving and gagging, but I'm gackling. If

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Speaker 4: you have turned it down, you can safely turn it

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Speaker 4: up now because Victoria doesn't have to gag anymore. This

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Speaker 4: one is a very good tip. Okay, so this is

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Speaker 4: for uber users.

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Speaker 3: Use uber pool.

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Speaker 4: Sometimes you actually don't have anyone else in there, but

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Speaker 4: you've saved so much money, so always use it.

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Speaker 3: Even if you do have someone in there.

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Speaker 2: Whatever you know, it doesn't matter. It doesn't matter. We

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Speaker 2: can be friends. A lot of the time you actually.

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Speaker 4: Don't have anyone else in there because no one else

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Speaker 4: is using uber pool.

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Speaker 2: That's quite clever. I never thought.

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Speaker 3: I didn't realize that they would just not put someone

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Speaker 3: in there.

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Speaker 2: You can get that.

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Speaker 3: That's like a free seat row on the plane. That's

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Speaker 3: why I cute that too. Yes, which is rare, rare,

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Speaker 3: but sometimes it happens.

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Speaker 1: Now.

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Speaker 4: I do have another one from one Courtney, who has

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Speaker 4: sent in after hearing about you know my bit situation.

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Speaker 4: Courtney wrote in and said that she heard that Basically,

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Speaker 4: Medibank has a Live Better program. You be healthy, you

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Speaker 4: get points. You can redeem those points to buy a

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Speaker 4: brain new fit bit, so you can. I had never

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Speaker 4: heard about this before, but do it. I feel like

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Speaker 4: it's a win win win.

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Speaker 2: It's like the AIA Vitality program. So I'm pretty sure

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Speaker 2: that Medibank is through IOA correct me if I'm wrong.

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Speaker 2: But that program kind of gives you discounts and rewards

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Speaker 2: you for being healthy, and you can get like percentages

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Speaker 2: off your health insurance and you can like redeem your

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Speaker 2: points for things, and you get more points for doing

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Speaker 2: more things, Like you can get points for just doing

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Speaker 2: your steps, but you can also like go to the

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Speaker 2: optometrist and have your and your check up. You get

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Speaker 2: points for it, and you can redeem it on stuff

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Speaker 2: like give out just stuff. It's actually really good.

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Speaker 3: I love that.

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Speaker 2: Not sponsible just I thought that was real cool. No,

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Speaker 2: I do love But if they do want to sponsor me,

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Speaker 2: I would be very keen on working with it. I

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Speaker 2: wouldn't hate it, wouldn't hate it lines to my values.

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Speaker 4: Yeah, So my breake tip for this week is to

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Speaker 4: bring your own sauces, condiments, everything wherever you go. So

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Speaker 4: if you're getting a meat pie, you don't want to

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Speaker 4: pay you extra twenty cents, sometimes an extra two dollars

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Speaker 4: for a little what do you call.

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Speaker 2: Those things sashet.

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Speaker 4: No, it's like comes in a tiny little bowl ramikin

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Speaker 4: ramikin of sauce or.

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Speaker 2: So you're just carrying around to seven hundred ye meal

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Speaker 2: bottle off.

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Speaker 4: You can bring the bottle, but you can also just

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Speaker 4: get little TopWare container's always bring your own condiments. So

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Speaker 4: if you're getting I don't know, pie from seven to eleven,

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Speaker 4: I don't know if they charge for sources, but.

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Speaker 2: No, seven eleven sauces free, So that's money. Take the

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Speaker 2: seven eleven sauce. Yeah, save it for the next time

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Speaker 2: someone tries to stood you on source because seven eleven

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Speaker 2: would never, they would never.

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Speaker 4: Yes, exactly, you can save you up on those or whatever,

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Speaker 4: but just don't be spending even twenty sense for extra sauce.

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Speaker 4: Bring your own sauce, bring your own condiments.

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Speaker 2: See I've never done that, but I do. This is

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Speaker 2: probably a deep insight into my personality. I'm the saltiest

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Speaker 2: woman you've ever known. Like help, I put salt on everything.

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Speaker 3: And then you go back and put more salt on it.

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Speaker 2: Yeah, like if we're having toast with butter, salt, we're

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Speaker 2: having any food salt, We're going to the tire place salt. Like,

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Speaker 2: there needs to be salt on all of my food,

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Speaker 2: to the point where I have gone to my doctor

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Speaker 2: and said, can you please test my sodium levels? I

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Speaker 2: think this is obscene and comes back normal He said, no,

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Speaker 2: what you're consuming is sign I steal the salt pack

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Speaker 2: from like macas and stuff, yep, and I put them

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Speaker 2: in my purse so that I'm never without salt. That's

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Speaker 2: a good idea. I can't be without salt. So you

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Speaker 2: can do that at hotels and stuff. I also carry

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Speaker 2: my own tea bags in my own bag. Ah, yes, yes, yes,

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Speaker 2: in little ziploc Yep, you've seen it. Yep. I've got

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Speaker 2: little tea bags because like, what if I need a

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Speaker 2: lemon grass ginger tea, I'm not spending five dollars getting

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Speaker 2: a lemon gras like a couple what absolutely not.

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Speaker 4: That is so true actually, and I used to do

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Speaker 4: that a lot, and it's so much cheaper. You go

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Speaker 4: to like you know, your servo, and you get a

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Speaker 4: cup of order and you just chuck your own tea

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Speaker 4: bag in there.

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Speaker 3: It's so much cheaper.

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Speaker 2: You might think I'm a stinge, but I'm a smart one.

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Speaker 3: There you go, little saucers, little tea bags. You just

357
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Speaker 3: need a little mini kitchen.

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Speaker 2: It and just looking at us like we are insane.

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Speaker 2: I'm like, nah, nah, no judgment.

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Speaker 3: No as a chicken nugget, girly, I'm all for doing

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Speaker 3: what you gotta do.

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Speaker 2: I love that.

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Speaker 4: Thank you, Jess more salt more often, Yes, exactly, save

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Speaker 4: yourself some money.

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Speaker 2: Let's go to a really quick break because on the

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Speaker 2: flip side, we're going to be talking about the pros

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Speaker 2: and cons of being a casual versus a part time worker,

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Speaker 2: and then we're going to discuss how to approach having

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Speaker 2: a conversation about a prenup with a partner, and that

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00:15:41,440 --> 00:15:44,240
Speaker 2: can be really awkward. So don't go anywhere, because we

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00:15:44,320 --> 00:15:46,400
Speaker 2: got to feel really uncomforable having this conversation and you

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Speaker 2: can't just leave us.

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Speaker 3: Welcome back, everybody. Let's take a listen to the Money

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Speaker 3: to Lemma.

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Speaker 2: For the week. Hi, there, have you got a money

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00:15:58,280 --> 00:16:01,160
Speaker 2: dilemma you just can't solve. She's on the Money Team

377
00:16:01,320 --> 00:16:04,360
Speaker 2: is here to help. Every week we tackle your dilemmas,

378
00:16:04,400 --> 00:16:07,160
Speaker 2: both big and small to answer your most burning money,

379
00:16:07,200 --> 00:16:10,280
Speaker 2: career and life questions. To get involved, simply head to

380
00:16:10,320 --> 00:16:12,680
Speaker 2: our website and leave us a short voice recording and

381
00:16:12,720 --> 00:16:15,400
Speaker 2: you might just find yourself on the show. Now, let's

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Speaker 2: take a listen to this week's money dilemma.

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Speaker 5: Hello, she's on the money friends. I'm absolutely loving the potty.

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Speaker 5: My money dilemma is that I'm in a bit of

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Speaker 5: a sticky situation at work at the moment where I

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Speaker 5: love my job and work pretty much part time hours

387
00:16:31,080 --> 00:16:33,200
Speaker 5: as a casual, but I've just been asked to go

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Speaker 5: on a contract a part time but I'm kind of

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Speaker 5: having a hard time understanding the benefits. At the moment,

390
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Speaker 5: as a casual, my alli rate is higher and I

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Speaker 5: still get pretty regular shifts. But I know from other

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Speaker 5: staff who've been asked to go on a contract they've

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Speaker 5: been threatened with reduced shifts as it's kind of out

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Speaker 5: of their budget to pay casuals. However, I know in

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Speaker 5: the summertime they are generally short on staff anyway. So

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Speaker 5: Victoria and team, can you help me understand the pros

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Speaker 5: and cons of being a casual versus part time? Beyond

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Speaker 5: the ali right, and what might be the other benefits

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Speaker 5: of being one or the other.

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Speaker 2: So this is a tricky topic because if you're doing

401
00:17:08,640 --> 00:17:11,240
Speaker 2: here in Australia, and you should absolutely head to the

402
00:17:11,240 --> 00:17:14,359
Speaker 2: Fairwork dot gov dot au website to learn a little

403
00:17:14,359 --> 00:17:16,680
Speaker 2: bit more and not just take a podcast as gospel.

404
00:17:16,680 --> 00:17:19,199
Speaker 2: But I have done the reading, so I'm basically just

405
00:17:19,560 --> 00:17:22,040
Speaker 2: spitting out what I've read on that website. But I

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00:17:22,080 --> 00:17:26,480
Speaker 2: also know from personal experience in our community that if

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00:17:26,480 --> 00:17:31,440
Speaker 2: you're a casual employee and you've been doing consistent part

408
00:17:31,520 --> 00:17:35,200
Speaker 2: time hours for a minimum I believe of twelve months,

409
00:17:35,520 --> 00:17:38,560
Speaker 2: you're technically not meant to be on a casual contract.

410
00:17:39,280 --> 00:17:41,880
Speaker 2: Some companies don't want to move you to a part

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00:17:41,880 --> 00:17:44,520
Speaker 2: time contract because that means they actually have a minimum

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00:17:44,560 --> 00:17:47,080
Speaker 2: obligation to you. Like if I had employed Beck on

413
00:17:47,280 --> 00:17:51,639
Speaker 2: a casual contract, technically the nature of our arrangement is

414
00:17:51,680 --> 00:17:54,360
Speaker 2: that I wouldn't some weeks have to give you any shifts.

415
00:17:54,880 --> 00:17:56,600
Speaker 2: But if you were on a part time we have

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00:17:56,640 --> 00:17:59,480
Speaker 2: an agreement that there would be minimum shifts. So some

417
00:17:59,520 --> 00:18:02,400
Speaker 2: companies want to keep you casual. Some companies might be

418
00:18:02,560 --> 00:18:04,639
Speaker 2: as yours is my she is on the money friend

419
00:18:04,960 --> 00:18:06,879
Speaker 2: might be trying to move you to part time because

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00:18:06,920 --> 00:18:09,960
Speaker 2: their casual plan isn't working out as well. But there

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00:18:10,080 --> 00:18:12,320
Speaker 2: are pros and cons to both. So when it comes

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00:18:12,359 --> 00:18:15,399
Speaker 2: to casual employment, you would have what we call a loading,

423
00:18:15,600 --> 00:18:17,919
Speaker 2: and that's why your hourly rate is higher. You have

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00:18:18,200 --> 00:18:20,800
Speaker 2: loading because you don't get sick pay, and you don't

425
00:18:20,840 --> 00:18:23,480
Speaker 2: get to take annual leave. You don't accrue annual leave,

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00:18:23,520 --> 00:18:25,520
Speaker 2: and you don't get a lot of the other benefits

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00:18:25,520 --> 00:18:29,639
Speaker 2: associated with being a full time or a part time employee.

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00:18:29,960 --> 00:18:32,600
Speaker 2: So a part time employee has the same rights as

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00:18:32,600 --> 00:18:35,560
Speaker 2: a full time employee, but you definitely have a few

430
00:18:35,680 --> 00:18:39,840
Speaker 2: less benefits involved when you're casually employed. But to make

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00:18:39,960 --> 00:18:42,000
Speaker 2: up for the lack of benefits, you get a higher

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Speaker 2: hourly rate. So there are a few things I guess

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00:18:44,640 --> 00:18:47,320
Speaker 2: that come in and it's going to really depend on

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00:18:48,160 --> 00:18:51,520
Speaker 2: what you want out of life. I know when I

435
00:18:51,600 --> 00:18:54,120
Speaker 2: was back in UNI, and this was ten plus years ago,

436
00:18:54,200 --> 00:18:56,880
Speaker 2: so things have definitely changed. I got offered a part

437
00:18:56,920 --> 00:18:58,840
Speaker 2: time role and I said no thanks, because I actually

438
00:18:58,880 --> 00:19:01,879
Speaker 2: wanted the loading of being a casual employee and I

439
00:19:01,960 --> 00:19:04,480
Speaker 2: liked the flexibility. I didn't care about unpaid leave, I

440
00:19:04,480 --> 00:19:06,240
Speaker 2: didn't care about all of those things because I was

441
00:19:06,320 --> 00:19:08,960
Speaker 2: kind of like broke as hell, so I didn't want

442
00:19:09,000 --> 00:19:11,320
Speaker 2: to take annual leave and any annual leave periods. I

443
00:19:11,359 --> 00:19:15,320
Speaker 2: actually wanted way more shifts to make more money, so

444
00:19:15,520 --> 00:19:18,560
Speaker 2: I liked that flexibility. But at the end of the day,

445
00:19:18,840 --> 00:19:22,760
Speaker 2: I think this is going to depend on what your

446
00:19:22,920 --> 00:19:28,520
Speaker 2: personal circumstances are, So negotiating with your employer is important.

447
00:19:29,000 --> 00:19:31,840
Speaker 2: Asking for more information I think is also important because

448
00:19:31,840 --> 00:19:35,119
Speaker 2: if you're missing out massively financially from making that shift

449
00:19:35,200 --> 00:19:37,959
Speaker 2: because it works better for your employer, I think that

450
00:19:38,000 --> 00:19:40,720
Speaker 2: there needs to be a really good conversation around Hey,

451
00:19:41,200 --> 00:19:43,159
Speaker 2: I can see that this puts you guys in a

452
00:19:43,200 --> 00:19:45,399
Speaker 2: way better position, but it doesn't do the same for me.

453
00:19:45,760 --> 00:19:48,439
Speaker 2: In fact, I'm going backwards. So what are we going

454
00:19:48,480 --> 00:19:51,880
Speaker 2: to do about Maybe you're negotiating that, yes, you take

455
00:19:51,960 --> 00:19:55,600
Speaker 2: a cut on your hourly rate, but it might not

456
00:19:55,680 --> 00:19:57,840
Speaker 2: be as much of a cut as what they're proposing.

457
00:19:58,000 --> 00:19:59,760
Speaker 2: Do the math, sit down and write out what you'd

458
00:19:59,800 --> 00:20:02,360
Speaker 2: take home per week or fortnite or month or however

459
00:20:02,400 --> 00:20:06,520
Speaker 2: you get paid on the casual versus the part time contract,

460
00:20:06,800 --> 00:20:10,000
Speaker 2: But also what other benefits are there? Are you actually

461
00:20:10,040 --> 00:20:12,440
Speaker 2: going to enjoy the fact that you now get paid leave,

462
00:20:13,760 --> 00:20:16,000
Speaker 2: it might be a value to you. Are you actually

463
00:20:16,040 --> 00:20:18,440
Speaker 2: going to benefit from sick leave? Because if you call

464
00:20:18,480 --> 00:20:21,680
Speaker 2: in as a casual when you're not well, you're probably

465
00:20:21,720 --> 00:20:24,080
Speaker 2: not getting paid for that. So it will really depend

466
00:20:24,119 --> 00:20:26,720
Speaker 2: on your contract on how that works and having open,

467
00:20:26,840 --> 00:20:30,040
Speaker 2: honest conversations with your employer. But I would be checking

468
00:20:30,040 --> 00:20:32,320
Speaker 2: out the Fair Work website because I feel like they

469
00:20:32,359 --> 00:20:35,639
Speaker 2: are the most reliable source of information. And it really

470
00:20:35,680 --> 00:20:38,639
Speaker 2: depends on what award you're on as well as to

471
00:20:38,640 --> 00:20:41,600
Speaker 2: what the regulations look like, because they're really different if

472
00:20:41,600 --> 00:20:44,200
Speaker 2: you were in construction, or you're a barista, or you're

473
00:20:44,200 --> 00:20:46,960
Speaker 2: a waitress, or maybe you're working in an art gallery, Like,

474
00:20:47,040 --> 00:20:49,600
Speaker 2: all of these different things are going to come into play.

475
00:20:49,760 --> 00:20:52,200
Speaker 2: So there's not a one size fits all answer here

476
00:20:52,240 --> 00:20:55,600
Speaker 2: as to which is better. Because according to Fair Work,

477
00:20:55,760 --> 00:21:00,000
Speaker 2: part time contracts are relatively attractive because there's more responsibility

478
00:21:00,200 --> 00:21:04,760
Speaker 2: on the employer. However, you might be like past Victoria,

479
00:21:04,920 --> 00:21:07,960
Speaker 2: I loved my high outul you rate, so to me

480
00:21:08,119 --> 00:21:09,840
Speaker 2: that made sense. What would you guys do?

481
00:21:09,960 --> 00:21:12,280
Speaker 3: I would just say to be aware that going onto

482
00:21:12,320 --> 00:21:14,480
Speaker 3: part time, it's going to really depend on your contract

483
00:21:14,520 --> 00:21:17,080
Speaker 3: because I remember when I worked in retail, and I

484
00:21:17,119 --> 00:21:19,160
Speaker 3: worked for the same employer on a casual, part time,

485
00:21:19,200 --> 00:21:21,359
Speaker 3: and full time contract, so I did it all. But

486
00:21:21,440 --> 00:21:24,359
Speaker 3: the part time contract of a standard contract was a

487
00:21:24,400 --> 00:21:28,160
Speaker 3: three hour minimum. So I know that she said in

488
00:21:28,200 --> 00:21:30,920
Speaker 3: her note to us that she was worried that if

489
00:21:30,960 --> 00:21:34,080
Speaker 3: she stayed casual they might penalize her by reducing her shifts,

490
00:21:34,080 --> 00:21:36,159
Speaker 3: but if she went part time like she would be

491
00:21:36,160 --> 00:21:39,199
Speaker 3: guaranteed shifts. But sometimes employers can be sneaky because if

492
00:21:39,200 --> 00:21:42,600
Speaker 3: they set that minimum at the lowest amount, which in

493
00:21:42,720 --> 00:21:45,040
Speaker 3: the retail award, at least at the time that I

494
00:21:45,080 --> 00:21:47,560
Speaker 3: was working, it was three hours a week, Yep, they

495
00:21:47,640 --> 00:21:50,320
Speaker 3: are only required to give you whatever's outlined in your contract.

496
00:21:50,400 --> 00:21:52,080
Speaker 3: If they set that at twenty five hours a week,

497
00:21:52,080 --> 00:21:55,280
Speaker 3: that would be your minimum. But sometimes employers who are

498
00:21:55,320 --> 00:21:58,359
Speaker 3: doing it to reduce their costs will put those minimum

499
00:21:58,440 --> 00:22:01,080
Speaker 3: hours in as low as possible so that they can

500
00:22:01,119 --> 00:22:03,639
Speaker 3: chop and change that roster around as they need without

501
00:22:03,680 --> 00:22:07,240
Speaker 3: actually having a significant obligation to you outside of your

502
00:22:07,280 --> 00:22:10,600
Speaker 3: pro rauded benefits based on you know, whatever that minimum

503
00:22:10,680 --> 00:22:11,479
Speaker 3: hourly rate is.

504
00:22:11,800 --> 00:22:14,639
Speaker 2: Yeah, it makes me really frustrated because the tone of

505
00:22:14,680 --> 00:22:17,720
Speaker 2: that message was a bit threatening. Not from our community member.

506
00:22:17,760 --> 00:22:21,199
Speaker 2: You weren't threatening, love you, but when people are saying,

507
00:22:21,359 --> 00:22:24,800
Speaker 2: oh my gosh, like you'll get less hours, it kind

508
00:22:24,800 --> 00:22:26,480
Speaker 2: of feels like a threat. Like, Jesse, if you don't

509
00:22:26,480 --> 00:22:29,160
Speaker 2: sign this contract and agree to work for less right now,

510
00:22:29,240 --> 00:22:32,200
Speaker 2: which is what it would feel like, you're going to

511
00:22:32,200 --> 00:22:34,719
Speaker 2: not get the work, so you better sign. Yeah, And

512
00:22:34,760 --> 00:22:38,240
Speaker 2: that feels awful, And I think that there's a conversation

513
00:22:38,320 --> 00:22:40,880
Speaker 2: around that, And that's why I'm saying, maybe go check

514
00:22:40,880 --> 00:22:43,000
Speaker 2: out fair Work and have a conversation. You can always

515
00:22:43,000 --> 00:22:45,600
Speaker 2: call them for some advice and see what happens. But

516
00:22:46,160 --> 00:22:49,960
Speaker 2: also it kind of is a no brainer as well,

517
00:22:50,000 --> 00:22:52,000
Speaker 2: Like let's say that that was not threatening at all,

518
00:22:52,280 --> 00:22:54,320
Speaker 2: and I've got Beck, and I've got Jess, and Jess

519
00:22:54,400 --> 00:22:57,240
Speaker 2: is on a contract and she's part time, and then Beck,

520
00:22:57,280 --> 00:22:59,840
Speaker 2: you're hourly. I look at that and I'm putting some

521
00:23:00,160 --> 00:23:02,199
Speaker 2: on to roster. If I'm the business owner, I'm going

522
00:23:02,240 --> 00:23:05,119
Speaker 2: to go, ah one, I've got minimum requirements that I

523
00:23:05,200 --> 00:23:07,400
Speaker 2: need to meet with Jess. I don't have any obligation

524
00:23:07,480 --> 00:23:10,640
Speaker 2: for hours for you. Also right now, per hour Jess

525
00:23:10,680 --> 00:23:15,120
Speaker 2: is cheaper, so really, regardless of weather, I love you, Beck,

526
00:23:15,240 --> 00:23:17,920
Speaker 2: or not. From a business perspective, it's just going to

527
00:23:18,000 --> 00:23:20,480
Speaker 2: make more sense to just roster jess On Schlank. I'm

528
00:23:20,480 --> 00:23:23,040
Speaker 2: just going to chuck jess On, like, let's pretend apples

529
00:23:23,040 --> 00:23:25,480
Speaker 2: with apples, you have exactly the same role. One's part time,

530
00:23:25,520 --> 00:23:28,520
Speaker 2: one's casual. I think that that could come into play,

531
00:23:28,920 --> 00:23:32,760
Speaker 2: but also that then doesn't feel fair. I would be asking, well,

532
00:23:32,760 --> 00:23:35,439
Speaker 2: why are we making this shift now? How does that work?

533
00:23:35,920 --> 00:23:39,119
Speaker 2: Where are the benefits for the employees in this circumstance.

534
00:23:39,200 --> 00:23:41,800
Speaker 2: I know you've been casual up until this point, and

535
00:23:41,840 --> 00:23:44,520
Speaker 2: they might go, well, actually, the business is far more

536
00:23:44,560 --> 00:23:47,119
Speaker 2: solid now like before we were up and down and

537
00:23:47,160 --> 00:23:48,959
Speaker 2: you know we're a new business or whatever it is.

538
00:23:49,320 --> 00:23:51,919
Speaker 2: Now we know you're on you. These are the hours

539
00:23:51,920 --> 00:23:53,680
Speaker 2: we need, this is the amount of stuff we need.

540
00:23:53,720 --> 00:23:55,480
Speaker 2: We're just going to do part time. And from a

541
00:23:55,520 --> 00:23:58,480
Speaker 2: business perspective, that makes a lot of sense and is

542
00:23:58,480 --> 00:24:01,680
Speaker 2: actually in their best interest because they could say, okay, well,

543
00:24:01,720 --> 00:24:04,040
Speaker 2: you know, we're just hiring this way and we if

544
00:24:04,080 --> 00:24:06,040
Speaker 2: you don't want to move over, you could go find

545
00:24:06,080 --> 00:24:09,919
Speaker 2: another job. Like sometimes it's just them trying to run

546
00:24:10,040 --> 00:24:13,240
Speaker 2: a clean, good business. So we need to take into

547
00:24:13,320 --> 00:24:16,600
Speaker 2: consideration I guess their motivation for this, and maybe it

548
00:24:16,680 --> 00:24:18,679
Speaker 2: was about making Hey, well the sun was shining. You

549
00:24:18,720 --> 00:24:21,440
Speaker 2: had this really high casual rate and that was really great.

550
00:24:21,440 --> 00:24:24,040
Speaker 2: But now everything's more solid and the option on the

551
00:24:24,040 --> 00:24:26,520
Speaker 2: table is a part time contract, Like, let's just have

552
00:24:26,560 --> 00:24:29,120
Speaker 2: a look at what those things look like and how

553
00:24:29,520 --> 00:24:32,280
Speaker 2: that benefits you. And I don't mean to end my

554
00:24:32,359 --> 00:24:34,679
Speaker 2: conversation on a I guess it's sour, OA, because it's

555
00:24:34,720 --> 00:24:37,760
Speaker 2: not sour. But sometimes we outgrow roles and jobs and people.

556
00:24:37,880 --> 00:24:41,000
Speaker 2: And if the option is going part time or finding

557
00:24:41,000 --> 00:24:43,600
Speaker 2: another casual role that really serves you and makes you

558
00:24:43,680 --> 00:24:46,720
Speaker 2: happy and gives you the remuneration that you are looking for,

559
00:24:46,960 --> 00:24:49,120
Speaker 2: well maybe that's the decision that needs to be made.

560
00:24:49,440 --> 00:24:51,520
Speaker 2: I'm not saying leave because they're making you sign it.

561
00:24:51,520 --> 00:24:53,639
Speaker 2: That's absolutely not it. But you might go, oh, well

562
00:24:53,800 --> 00:24:56,760
Speaker 2: that's okay. It was nice while it lasted. Yeah, totally, Beck,

563
00:24:56,840 --> 00:24:59,000
Speaker 2: Do you have anything to add? Would you say yes

564
00:24:59,119 --> 00:24:59,320
Speaker 2: or no?

565
00:24:59,560 --> 00:25:02,320
Speaker 4: Or for me, I had a similar thing same as

566
00:25:02,320 --> 00:25:07,359
Speaker 4: you guys, where I was working at a bowling alley.

567
00:25:07,920 --> 00:25:10,720
Speaker 4: They pretty much just went from casual to part time

568
00:25:10,760 --> 00:25:13,240
Speaker 4: and started like, oh, it wasn't threatening, but it was

569
00:25:13,400 --> 00:25:16,840
Speaker 4: very I'm gonna say, I'm going to say threatening and saying, like,

570
00:25:16,880 --> 00:25:18,560
Speaker 4: you know, if you don't move to part time, you

571
00:25:18,600 --> 00:25:20,520
Speaker 4: won't get shifts, et cetera. I kind of just had

572
00:25:20,560 --> 00:25:25,040
Speaker 4: to do that. But the decrease isn't as noticeable as

573
00:25:25,080 --> 00:25:27,280
Speaker 4: you might think it is. It depends obviously, you know,

574
00:25:27,320 --> 00:25:28,919
Speaker 4: as you're saying on your contract and things like that.

575
00:25:29,000 --> 00:25:31,359
Speaker 4: But I guess, like just adding up what it's a

576
00:25:31,400 --> 00:25:34,280
Speaker 4: bit hard to say, but like what your average SICKI

577
00:25:34,400 --> 00:25:36,960
Speaker 4: days are. Let's say you take four a year, which

578
00:25:37,080 --> 00:25:39,800
Speaker 4: is really isn't much. I love a good siki for

579
00:25:39,840 --> 00:25:43,520
Speaker 4: a mental health day for anything. Really, it is very important.

580
00:25:43,720 --> 00:25:46,400
Speaker 4: So let's say you take like four a year. Let's

581
00:25:46,400 --> 00:25:49,680
Speaker 4: say that's roughly seven hundred and eight hundred dollars a year.

582
00:25:50,480 --> 00:25:54,120
Speaker 4: Maybe you're making that in I don't know, like maybe

583
00:25:54,160 --> 00:25:57,320
Speaker 4: like so deducting that if that makes sense, because you

584
00:25:57,359 --> 00:25:59,480
Speaker 4: won't get paid that when you're a casual. If you

585
00:25:59,480 --> 00:26:02,359
Speaker 4: moved apart time, time will kind of even out, do

586
00:26:02,440 --> 00:26:03,040
Speaker 4: you know what I mean?

587
00:26:03,160 --> 00:26:06,320
Speaker 2: Yeah, and we leave and stuff. It's also you might say, no,

588
00:26:06,440 --> 00:26:08,639
Speaker 2: I don't want to take any leave, and that's okay,

589
00:26:08,760 --> 00:26:11,280
Speaker 2: But when you leave that job, your leave balance will

590
00:26:11,280 --> 00:26:14,880
Speaker 2: be paid out exactly, Yes, Like you're not working towards

591
00:26:14,920 --> 00:26:17,560
Speaker 2: anything in that aspect. I think that it all needs

592
00:26:17,560 --> 00:26:20,679
Speaker 2: to be taken into consideration, and it's honestly a bigger

593
00:26:20,720 --> 00:26:24,200
Speaker 2: conversation than I get more per hour. Like the benefits

594
00:26:24,200 --> 00:26:30,080
Speaker 2: and entitlements that exist are obviously financial, but also go

595
00:26:30,200 --> 00:26:34,200
Speaker 2: beyond that. Like I can't sometimes afford or historically couldn't

596
00:26:34,240 --> 00:26:36,160
Speaker 2: afford to take a mental health day. I was completely

597
00:26:36,160 --> 00:26:38,639
Speaker 2: burnt out. I go to work because I needed the money. Yeah,

598
00:26:38,680 --> 00:26:40,560
Speaker 2: how nice is it to go? Oh, I can call

599
00:26:40,600 --> 00:26:43,200
Speaker 2: in seek today and exactly I can stay in bed

600
00:26:43,240 --> 00:26:46,879
Speaker 2: and not stress about finances. So I think there's lots

601
00:26:46,880 --> 00:26:49,960
Speaker 2: of bros and lots of content. Ultimately, you have to

602
00:26:50,000 --> 00:26:52,560
Speaker 2: decide that for yourself. Somebody else can't tell you. But

603
00:26:52,600 --> 00:26:54,639
Speaker 2: we've given you the resources and the tools and hopefully

604
00:26:54,640 --> 00:26:56,800
Speaker 2: a little bit of insight to make that conversation and

605
00:26:56,800 --> 00:26:59,919
Speaker 2: that decision a little bit easier. All right, let's segue

606
00:27:00,200 --> 00:27:03,320
Speaker 2: into another community dilemma. Guys, we're going to talk about

607
00:27:03,320 --> 00:27:05,679
Speaker 2: prenups because this week I got a message and it

608
00:27:05,720 --> 00:27:08,720
Speaker 2: sounded like this, Hi, ladies, I'm getting married soon to

609
00:27:08,800 --> 00:27:11,200
Speaker 2: the love of my life. And I couldn't be more

610
00:27:11,280 --> 00:27:14,640
Speaker 2: excited and happy. I would really like to sign a prenup.

611
00:27:14,680 --> 00:27:16,440
Speaker 2: It's not at all that I think the marriage won't

612
00:27:16,480 --> 00:27:19,240
Speaker 2: work out. I've just worked so hard all my life

613
00:27:19,240 --> 00:27:21,760
Speaker 2: to create my own wealth and it's something I value

614
00:27:21,800 --> 00:27:24,600
Speaker 2: a lot. My parents separated when I was younger, and

615
00:27:24,640 --> 00:27:27,280
Speaker 2: money was very messy and a huge stress in both

616
00:27:27,280 --> 00:27:30,080
Speaker 2: of their lives. After watching this happen, I made it

617
00:27:30,200 --> 00:27:34,320
Speaker 2: my mission to become financially independent. Anyway, my question is

618
00:27:34,400 --> 00:27:36,800
Speaker 2: how do I bring this up with my fiance. I

619
00:27:36,800 --> 00:27:38,840
Speaker 2: don't want him to be hurt or take this personally,

620
00:27:39,000 --> 00:27:41,720
Speaker 2: but I'm worried he will I will not. Currently we

621
00:27:41,800 --> 00:27:44,840
Speaker 2: have our own finances. Nothing is combined yet. Thank you

622
00:27:45,000 --> 00:27:45,560
Speaker 2: so much.

623
00:27:45,960 --> 00:27:48,080
Speaker 4: All right, guys, do you want to go first?

624
00:27:48,160 --> 00:27:50,959
Speaker 3: Jess, I will start by saying prenups are a thing.

625
00:27:51,280 --> 00:27:54,600
Speaker 3: In Australia. We have the BFA binding financial Agreement.

626
00:27:54,760 --> 00:27:56,639
Speaker 2: I don't even need to be on this podcast if

627
00:27:56,680 --> 00:27:57,720
Speaker 2: you want to know, ah, well.

628
00:27:57,640 --> 00:28:00,640
Speaker 3: We've done a full episode on that, so type into

629
00:28:00,640 --> 00:28:05,720
Speaker 3: your podcast or it might be underbinding financial agreements. Actually

630
00:28:05,760 --> 00:28:07,800
Speaker 3: tied that into your podcast up and it should come up.

631
00:28:08,480 --> 00:28:12,000
Speaker 3: I personally, I'm a big fan of the BFA, I'm

632
00:28:12,080 --> 00:28:14,560
Speaker 3: all for it. Similar to our community member, my partner

633
00:28:14,560 --> 00:28:16,880
Speaker 3: and I currently have entirely separate finances. As you guys

634
00:28:16,920 --> 00:28:19,080
Speaker 3: know if you listen to the property playbook shameless plot,

635
00:28:19,400 --> 00:28:20,280
Speaker 3: I'm trying to buy a house.

636
00:28:20,359 --> 00:28:24,080
Speaker 2: Great podcast podcastic host, I.

637
00:28:24,040 --> 00:28:26,320
Speaker 3: Think so too, Thank you so much. But I have

638
00:28:26,640 --> 00:28:28,880
Speaker 3: literally already had the conversation with my partner and said, hey,

639
00:28:29,080 --> 00:28:30,439
Speaker 3: if I buy a house, we will be putting a

640
00:28:30,440 --> 00:28:31,120
Speaker 3: BFA in place.

641
00:28:31,680 --> 00:28:32,840
Speaker 2: I'm sexy.

642
00:28:33,280 --> 00:28:36,440
Speaker 3: Have all of my friends, most of them have shared finances,

643
00:28:36,520 --> 00:28:38,880
Speaker 3: Several of them are married or have children. I have

644
00:28:38,920 --> 00:28:40,880
Speaker 3: said to all of them, none of whom currently have,

645
00:28:41,560 --> 00:28:42,720
Speaker 3: You're like the pesty.

646
00:28:42,440 --> 00:28:45,160
Speaker 2: Aren't who I have an account with money, so you

647
00:28:45,200 --> 00:28:46,240
Speaker 2: can leave whenever you want.

648
00:28:46,280 --> 00:28:48,880
Speaker 3: Literally, I've learned from the best, and I basically just

649
00:28:48,880 --> 00:28:55,480
Speaker 3: parrot Victoria and I say, hey, girly, I think for me,

650
00:28:56,040 --> 00:28:57,480
Speaker 3: it is really and the way that I explained it

651
00:28:57,520 --> 00:28:59,880
Speaker 3: to my girlfriends, because everyone listening, you're basically my girlfriend.

652
00:29:00,280 --> 00:29:02,560
Speaker 3: I pretty much have said. The way that I approach

653
00:29:02,560 --> 00:29:03,720
Speaker 3: it with my partner and the way that I would

654
00:29:03,720 --> 00:29:07,160
Speaker 3: approach it with anybody is saying It's not about saying

655
00:29:07,280 --> 00:29:09,560
Speaker 3: I think you're going to take half my money. It's

656
00:29:09,560 --> 00:29:12,280
Speaker 3: not because I think you're a bad person. It's because

657
00:29:12,360 --> 00:29:15,120
Speaker 3: I want both of us in this relationship to be

658
00:29:15,200 --> 00:29:17,440
Speaker 3: looked after, because I care about you and I care

659
00:29:17,480 --> 00:29:20,960
Speaker 3: about me, and I think that these choices are best

660
00:29:21,000 --> 00:29:23,800
Speaker 3: being laid out now while we care about each other.

661
00:29:24,320 --> 00:29:26,280
Speaker 3: Because I think the thing that we've seen through our

662
00:29:26,360 --> 00:29:29,320
Speaker 3: money diaries and through you know, just things that we've

663
00:29:29,360 --> 00:29:32,800
Speaker 3: heard and seen here and there, is that when things

664
00:29:32,880 --> 00:29:36,280
Speaker 3: go wrong, you're not expecting it, and it makes things

665
00:29:36,320 --> 00:29:38,880
Speaker 3: harder if you're not prepared. So if I was in

666
00:29:38,920 --> 00:29:41,400
Speaker 3: a relationship with my partner and I cheated on my partner,

667
00:29:41,760 --> 00:29:43,440
Speaker 3: he's probably not going to be thrilled with me.

668
00:29:43,680 --> 00:29:46,000
Speaker 2: So if we're then I wouldn't be thrilled with you. No,

669
00:29:45,920 --> 00:29:46,720
Speaker 2: no better than that.

670
00:29:46,920 --> 00:29:47,200
Speaker 1: Yeah.

671
00:29:47,200 --> 00:29:49,440
Speaker 3: So then if we're trying to divide up assets, I

672
00:29:49,480 --> 00:29:52,560
Speaker 3: think there's all of this animosity, there's emotion, even if

673
00:29:52,600 --> 00:29:54,480
Speaker 3: there's no cheating, even if you're just breaking up because

674
00:29:54,480 --> 00:29:56,640
Speaker 3: it didn't work out, there's all of these things going

675
00:29:56,680 --> 00:30:00,760
Speaker 3: on that mean maybe not everybody's in the fairest kind mindset.

676
00:30:01,000 --> 00:30:03,880
Speaker 3: Whereas if you have an agreement in place that you've

677
00:30:03,880 --> 00:30:05,760
Speaker 3: put together when you both love each other, when you

678
00:30:05,800 --> 00:30:07,560
Speaker 3: both care about each other, when you're both worn the

679
00:30:07,600 --> 00:30:10,480
Speaker 3: best for each other exactly, then I feel like you're

680
00:30:10,520 --> 00:30:13,400
Speaker 3: going to have the best possible outcome. And yes, people

681
00:30:13,440 --> 00:30:15,280
Speaker 3: say that they're not fully air tight in the way

682
00:30:15,280 --> 00:30:17,200
Speaker 3: that maybe your prenup is in the US, like there's

683
00:30:17,480 --> 00:30:19,400
Speaker 3: you know, all of these nuancewers, which again were covered

684
00:30:19,440 --> 00:30:23,160
Speaker 3: in the episode. But I think that having something in

685
00:30:23,200 --> 00:30:26,640
Speaker 3: place is just nice to protect everybody. Like in the

686
00:30:26,680 --> 00:30:28,680
Speaker 3: same way that if I got a BFA it was

687
00:30:28,800 --> 00:30:31,200
Speaker 3: would be to protect me, we would also be putting

688
00:30:31,200 --> 00:30:33,400
Speaker 3: clauses in there to protect my partner as well. And

689
00:30:33,440 --> 00:30:35,480
Speaker 3: so I think you go two ways one hundred percent.

690
00:30:35,600 --> 00:30:37,440
Speaker 3: Like this isn't just about me saying I think you're

691
00:30:37,440 --> 00:30:39,200
Speaker 3: going to take my money and I want to make

692
00:30:39,240 --> 00:30:41,480
Speaker 3: sure that you can't do that, you gold digger. It's

693
00:30:41,480 --> 00:30:43,000
Speaker 3: about being like I want both of.

694
00:30:43,040 --> 00:30:44,720
Speaker 2: Us to be money.

695
00:30:44,840 --> 00:30:50,400
Speaker 4: I was going to say, no, we were this side

696
00:30:50,400 --> 00:30:50,560
Speaker 4: of you.

697
00:30:51,560 --> 00:30:53,640
Speaker 3: Yes you have at my Barbie party, that's true. I

698
00:30:53,680 --> 00:30:54,240
Speaker 3: did drop it.

699
00:30:54,680 --> 00:30:58,440
Speaker 2: She was like this super classy fairy and I was

700
00:30:58,440 --> 00:31:03,120
Speaker 2: crumping on the desk floor. It was a lot.

701
00:31:03,320 --> 00:31:05,200
Speaker 3: No, But yeah, I think just putting something in place.

702
00:31:05,200 --> 00:31:06,560
Speaker 3: I mean, like, hey, it's not just about me, it's

703
00:31:06,560 --> 00:31:09,320
Speaker 3: about us, and I want us to be looked after, rain,

704
00:31:09,360 --> 00:31:11,520
Speaker 3: hail or shine. Do we hope that we never have

705
00:31:11,560 --> 00:31:11,840
Speaker 3: to use it?

706
00:31:11,840 --> 00:31:12,280
Speaker 2: Absolutely?

707
00:31:12,280 --> 00:31:13,800
Speaker 3: I hope. It's the most useless piece of paper that

708
00:31:13,840 --> 00:31:16,800
Speaker 3: I own. However, you don't know what you don't.

709
00:31:16,640 --> 00:31:19,480
Speaker 2: Know, and it kind of sucks as someone who's spent

710
00:31:19,600 --> 00:31:23,120
Speaker 2: so much on their wedding speaking from experience. Thankfully I

711
00:31:23,200 --> 00:31:26,360
Speaker 2: haven't gone through a divorce yet, but the statistics are

712
00:31:26,520 --> 00:31:29,120
Speaker 2: that more than half of all marriages here in Australia

713
00:31:29,200 --> 00:31:32,440
Speaker 2: end up in divorce. Christ So nobody goes into a

714
00:31:32,480 --> 00:31:34,680
Speaker 2: marriage with the expectation that's not going to work out.

715
00:31:34,720 --> 00:31:37,800
Speaker 2: It's an expensive process with a lot of legal obligations

716
00:31:37,800 --> 00:31:40,720
Speaker 2: that you don't accidentally fall into. It's not oh, we

717
00:31:40,800 --> 00:31:42,880
Speaker 2: woke up and we got married in Vegas, because you

718
00:31:42,920 --> 00:31:45,880
Speaker 2: actually have to register a marriage in Australia or the

719
00:31:45,920 --> 00:31:48,800
Speaker 2: intention to get married. I believe it's like more than

720
00:31:48,840 --> 00:31:50,160
Speaker 2: two weeks before the wedding.

721
00:31:50,400 --> 00:31:52,479
Speaker 3: You can't like get drunk and just get shotgun married here.

722
00:31:52,520 --> 00:31:54,560
Speaker 2: It's not a thing. No, it's a month before the

723
00:31:54,560 --> 00:31:57,120
Speaker 2: wedding and you can't just get shotgun married. So it

724
00:31:57,200 --> 00:31:59,120
Speaker 2: was on an accident, like you guys did this and

725
00:31:59,200 --> 00:32:01,160
Speaker 2: had enough thinking time to work out whether it is

726
00:32:01,160 --> 00:32:03,360
Speaker 2: a good idea or not. And so I think just

727
00:32:03,360 --> 00:32:05,840
Speaker 2: sitting down and yet reiterating what you were saying, I

728
00:32:05,840 --> 00:32:09,880
Speaker 2: think my way of approaching it would be flipping the narrative.

729
00:32:10,200 --> 00:32:12,320
Speaker 2: I'm not going to talk about my assets because that

730
00:32:12,320 --> 00:32:14,959
Speaker 2: can make me look really self absorbed really quickly. I'm

731
00:32:15,000 --> 00:32:16,760
Speaker 2: actually going to say, hey, I want us and I

732
00:32:16,760 --> 00:32:19,440
Speaker 2: want you to be protected. And I think that that's

733
00:32:19,480 --> 00:32:22,280
Speaker 2: the best way to have a good conversation is immediately

734
00:32:22,320 --> 00:32:25,040
Speaker 2: by putting yourself in their shoes. Like it does feel

735
00:32:25,080 --> 00:32:27,920
Speaker 2: confrontational if I say, hey, Beck, we're getting married. I

736
00:32:27,960 --> 00:32:30,040
Speaker 2: just want to make sure my stuff's protected from you,

737
00:32:30,440 --> 00:32:32,920
Speaker 2: right Like that feels a bit like, oh, I didn't

738
00:32:32,960 --> 00:32:35,320
Speaker 2: realize you were worried about your stuff being exposed to me.

739
00:32:35,560 --> 00:32:35,760
Speaker 1: Yeah.

740
00:32:35,840 --> 00:32:39,040
Speaker 2: Whereas if I approach the conversation with kindness and I say, hey, Beck,

741
00:32:39,680 --> 00:32:41,880
Speaker 2: I love you with absolutely everything I have and I

742
00:32:41,920 --> 00:32:45,520
Speaker 2: cannot wait to get married. But there's this podcast that

743
00:32:45,560 --> 00:32:48,080
Speaker 2: I've been listening to and blame me. I want to

744
00:32:48,080 --> 00:32:49,840
Speaker 2: be that person that you can just blame for anything.

745
00:32:49,880 --> 00:32:52,080
Speaker 2: I don't care if you Barna doesn't like me, I

746
00:32:52,200 --> 00:32:55,080
Speaker 2: really don't, so you can tell them that it's my fault. Oh,

747
00:32:55,080 --> 00:32:57,840
Speaker 2: my friend Victoria told me about this really weird concept

748
00:32:57,840 --> 00:32:59,880
Speaker 2: of binding financial agreement. Kind of makes sense. What do

749
00:32:59,880 --> 00:33:03,040
Speaker 2: you you think, Like, don't just start with being aggressive.

750
00:33:03,080 --> 00:33:06,200
Speaker 2: I need to protect my stuff. Start with this open,

751
00:33:06,320 --> 00:33:09,080
Speaker 2: honest conversation. Like, oh, I was listening to this podcast.

752
00:33:09,120 --> 00:33:12,160
Speaker 2: I hadn't really thought about it because you're kind of

753
00:33:12,600 --> 00:33:15,360
Speaker 2: a long way down the track. So if you're talking

754
00:33:15,360 --> 00:33:18,640
Speaker 2: about a binding financial agreement and this person is your fiance,

755
00:33:19,480 --> 00:33:21,520
Speaker 2: you've already been their girlfriend or their boyfriend or their

756
00:33:21,560 --> 00:33:23,840
Speaker 2: partner for a while, I'm assuming and if this topic

757
00:33:23,880 --> 00:33:25,719
Speaker 2: hasn't come up before, they might be a little bit

758
00:33:25,800 --> 00:33:28,920
Speaker 2: jarred by it. So I think blaming another source or

759
00:33:29,000 --> 00:33:32,640
Speaker 2: outsourcing it to become, you know, Jessin Beckham Victoria's fault.

760
00:33:33,560 --> 00:33:35,120
Speaker 2: I would love to be the reason you've got a

761
00:33:35,120 --> 00:33:38,560
Speaker 2: binding financial agreement in place, like, I'm all for it.

762
00:33:38,720 --> 00:33:41,600
Speaker 2: Use me, But I think sitting down and having that

763
00:33:41,640 --> 00:33:45,760
Speaker 2: conversation is really important. And there's two folds to it, right, So,

764
00:33:45,960 --> 00:33:47,960
Speaker 2: as you guys know, I've spoken about it before, I

765
00:33:48,000 --> 00:33:50,440
Speaker 2: have one with my husband. It was established when we

766
00:33:50,480 --> 00:33:53,520
Speaker 2: moved in together, not when we got married. We lived

767
00:33:53,520 --> 00:33:55,720
Speaker 2: together four years before we got married. But I was like,

768
00:33:56,080 --> 00:33:58,480
Speaker 2: ain't no man gonna take advantage of me. I don't

769
00:33:58,520 --> 00:34:00,920
Speaker 2: know if you know me well enough, but that obviously happened.

770
00:34:01,600 --> 00:34:04,640
Speaker 2: But there were two conversations there. There was protecting the

771
00:34:04,800 --> 00:34:08,600
Speaker 2: me that went into the relationship with my partner, and

772
00:34:08,840 --> 00:34:12,920
Speaker 2: she didn't have the success and the situation that she's

773
00:34:12,960 --> 00:34:15,960
Speaker 2: in today, so there was protecting that. But then there

774
00:34:16,000 --> 00:34:19,040
Speaker 2: was also protecting what we were creating together. And so

775
00:34:19,160 --> 00:34:23,239
Speaker 2: for me, I know, and this might be different for everybody,

776
00:34:23,280 --> 00:34:25,680
Speaker 2: but I know to get where I am today and

777
00:34:25,840 --> 00:34:28,239
Speaker 2: have the life I have and have the assets that

778
00:34:28,280 --> 00:34:31,880
Speaker 2: we have, regardless of who put what dollar ware, it

779
00:34:32,000 --> 00:34:35,000
Speaker 2: was a joint effort between my husband and I, and

780
00:34:35,080 --> 00:34:39,600
Speaker 2: so that is a very different conversation if we divorced,

781
00:34:40,120 --> 00:34:42,719
Speaker 2: as to you know, who owns what. The thing that

782
00:34:42,800 --> 00:34:45,600
Speaker 2: was important to me was protecting my businesses because if

783
00:34:45,600 --> 00:34:48,600
Speaker 2: my relationship doesn't work out, well, you guys know, I'll

784
00:34:48,600 --> 00:34:51,000
Speaker 2: be even more obsessed with you, and I didn't want

785
00:34:51,040 --> 00:34:53,080
Speaker 2: that to come into play. So those were the things

786
00:34:53,080 --> 00:34:55,719
Speaker 2: I wanted to protect. And then you know Jess's situation

787
00:34:55,840 --> 00:34:58,120
Speaker 2: is different again, she's buying a house on her and

788
00:34:58,160 --> 00:35:00,560
Speaker 2: I didn't have property. When I got in a relationship

789
00:35:00,560 --> 00:35:02,879
Speaker 2: with my husband, I was in debt, Like he didn't

790
00:35:02,920 --> 00:35:04,520
Speaker 2: have anything. I was like, do you want it? You

791
00:35:04,520 --> 00:35:09,800
Speaker 2: can have it, but your circumstance is the actual physical

792
00:35:09,840 --> 00:35:12,800
Speaker 2: house which someone could contest, whereas mine was a business.

793
00:35:12,840 --> 00:35:14,879
Speaker 2: It might be a car, it might be an inheritance,

794
00:35:14,920 --> 00:35:18,120
Speaker 2: it might be anything, but having these literally, do you know?

795
00:35:18,160 --> 00:35:21,080
Speaker 2: When I was with my ex boyfriend, we got a cat, Bailey,

796
00:35:21,200 --> 00:35:23,279
Speaker 2: the love of my life. The day I got him,

797
00:35:23,640 --> 00:35:26,480
Speaker 2: I was like, by the way, this is my cat. Yeah,

798
00:35:26,520 --> 00:35:29,719
Speaker 2: Like I have paid one hundred percent for him. I

799
00:35:29,760 --> 00:35:32,080
Speaker 2: will cover all of his costs because if we ever

800
00:35:32,160 --> 00:35:34,120
Speaker 2: break up, because I think deep down I kind of

801
00:35:34,160 --> 00:35:35,960
Speaker 2: knew it wasn't going to work out long term. I

802
00:35:35,960 --> 00:35:37,759
Speaker 2: don't know. I didn't know at that time. Otherwise I

803
00:35:37,760 --> 00:35:39,960
Speaker 2: wouldn't have been getting a pet with the person, right.

804
00:35:40,360 --> 00:35:42,120
Speaker 2: I was like, this cat is mine. If we ever

805
00:35:42,160 --> 00:35:44,680
Speaker 2: break up, this is my cat. It's not even a

806
00:35:44,719 --> 00:35:48,719
Speaker 2: conversation I'm going to engage in. Yeah, And we broke up,

807
00:35:48,760 --> 00:35:50,480
Speaker 2: and I was like, I'm glad I had that conversation

808
00:35:50,560 --> 00:35:51,280
Speaker 2: cat let's.

809
00:35:51,080 --> 00:35:54,040
Speaker 4: Go lucky lucky and now I completely agree with all

810
00:35:54,040 --> 00:35:56,040
Speaker 4: of that. I would say, make sure that your partner

811
00:35:56,080 --> 00:35:58,640
Speaker 4: knows that you're not planning for the demise of your

812
00:35:58,640 --> 00:36:01,839
Speaker 4: relationship A really, because I think that's maybe something that

813
00:36:02,400 --> 00:36:05,960
Speaker 4: your partner might think and maybe a version of me

814
00:36:06,000 --> 00:36:08,680
Speaker 4: that's not as secure with the person I'm dating, I

815
00:36:08,719 --> 00:36:12,319
Speaker 4: would maybe think, are you preparing for us to not last?

816
00:36:12,320 --> 00:36:14,680
Speaker 4: But the reality is am I not? It might, It

817
00:36:14,680 --> 00:36:18,279
Speaker 4: doesn't matter either way. Better to be safe than sorry.

818
00:36:18,600 --> 00:36:20,520
Speaker 2: And better to have that conversation when you're in a

819
00:36:20,520 --> 00:36:22,160
Speaker 2: good place, because if you're in a bit of an

820
00:36:22,480 --> 00:36:25,160
Speaker 2: awkward position or you've just recently had an argument, like

821
00:36:25,200 --> 00:36:27,600
Speaker 2: now's not the time I love, Like, don't bring it

822
00:36:27,680 --> 00:36:30,520
Speaker 2: up then, because your partner will think that you're catastrophizing

823
00:36:30,520 --> 00:36:32,959
Speaker 2: and maybe trying to protect yourself and like go down

824
00:36:33,040 --> 00:36:36,759
Speaker 2: that thought pattern. Sure, I mean, if Steve cheats on me,

825
00:36:36,840 --> 00:36:38,680
Speaker 2: I'm going to be taking him to the cleanness.

826
00:36:38,920 --> 00:36:42,880
Speaker 3: So that's the thing that would be Lark, good luck.

827
00:36:44,200 --> 00:36:47,480
Speaker 2: In your favor, yes, spikdi. What did our community say? So?

828
00:36:47,719 --> 00:36:50,279
Speaker 2: There were lots of comments, lots very similar to what

829
00:36:50,400 --> 00:36:52,520
Speaker 2: Jess said, A lot of people said, go for it,

830
00:36:52,640 --> 00:36:55,360
Speaker 2: just ask at an appropriate time and prepare for questions.

831
00:36:55,440 --> 00:36:57,120
Speaker 2: They might not be on the same page as you.

832
00:36:57,440 --> 00:37:00,440
Speaker 2: So that's a really good point bringing up that you

833
00:37:00,520 --> 00:37:02,440
Speaker 2: might be so ready to have a conversation about a

834
00:37:02,440 --> 00:37:05,080
Speaker 2: binding financial agreement, that does not mean that they are

835
00:37:05,120 --> 00:37:07,880
Speaker 2: in the mental space for it. So I think pre

836
00:37:07,920 --> 00:37:11,560
Speaker 2: planning is important. Maybe going hey, jes, I've been listening

837
00:37:11,560 --> 00:37:15,120
Speaker 2: to this podcasts. They really recommend before we get married

838
00:37:15,160 --> 00:37:17,799
Speaker 2: having a binding financial agreement. Do you want to have

839
00:37:17,840 --> 00:37:20,200
Speaker 2: a chat about that at some point? Do you want

840
00:37:20,200 --> 00:37:21,839
Speaker 2: to go away, do your own research, have a bit

841
00:37:21,880 --> 00:37:23,080
Speaker 2: of a think about it. You know, I'm going to

842
00:37:23,120 --> 00:37:24,799
Speaker 2: do a bit more research too, Like I'm not ready

843
00:37:24,880 --> 00:37:27,440
Speaker 2: to have the conversation yet, but go a wages, have

844
00:37:27,520 --> 00:37:29,600
Speaker 2: a think about it, and then you know, maybe next

845
00:37:29,600 --> 00:37:31,960
Speaker 2: week over dinner we can have a chat. They've had

846
00:37:32,000 --> 00:37:34,719
Speaker 2: the time to I guess absorb that do their own

847
00:37:34,760 --> 00:37:38,359
Speaker 2: research instead of you bombarding them. Because arguably, if you've

848
00:37:38,360 --> 00:37:41,000
Speaker 2: listened to our binding financial Agreement episode, just listen to

849
00:37:41,040 --> 00:37:44,000
Speaker 2: the conversations we've had about a state planning, You've listened

850
00:37:44,040 --> 00:37:46,560
Speaker 2: to that you are so ready for that and prepared,

851
00:37:46,600 --> 00:37:49,480
Speaker 2: and they might not be, so give them that grace.

852
00:37:50,280 --> 00:37:53,160
Speaker 2: Someone else said, we have a separate account each and

853
00:37:53,200 --> 00:37:55,040
Speaker 2: a joint one. It means that we have our own

854
00:37:55,080 --> 00:37:58,760
Speaker 2: safety net and we always will. How are you planning

855
00:37:58,840 --> 00:38:01,680
Speaker 2: or managing money together as you grow? What does that

856
00:38:01,719 --> 00:38:04,320
Speaker 2: look like? Are you getting married and then joining finances

857
00:38:04,440 --> 00:38:06,279
Speaker 2: or is everything going to stay exactly the same as

858
00:38:06,320 --> 00:38:08,960
Speaker 2: it was. Maybe we could have a bigger conversation about

859
00:38:08,960 --> 00:38:11,760
Speaker 2: money and life and sorting stuff out after we get married.

860
00:38:11,840 --> 00:38:14,160
Speaker 2: Is anything going to change? And then the binding financial

861
00:38:14,200 --> 00:38:16,920
Speaker 2: agreement could be part of that conversation. So it's just

862
00:38:17,200 --> 00:38:21,040
Speaker 2: a little key part of the wider conversation about how

863
00:38:21,080 --> 00:38:23,600
Speaker 2: we manage money because there's lots of things to consider.

864
00:38:23,880 --> 00:38:27,480
Speaker 2: It's also like health insurance. It can be cheaper if

865
00:38:27,520 --> 00:38:28,960
Speaker 2: you've got like a couple's policy.

866
00:38:29,200 --> 00:38:31,520
Speaker 3: Do we share a Spotify account? Oh my gosh, No,

867
00:38:31,760 --> 00:38:33,120
Speaker 3: there's all the things as zero.

868
00:38:33,840 --> 00:38:37,200
Speaker 2: No, we don't share a Spotify account because his music taste?

869
00:38:37,280 --> 00:38:41,120
Speaker 2: Uh uh my Spotify, stop telling me I like this trash.

870
00:38:41,239 --> 00:38:41,800
Speaker 2: I don't.

871
00:38:41,920 --> 00:38:45,439
Speaker 4: It does suck that you can't have individual accounts sharing

872
00:38:45,480 --> 00:38:46,239
Speaker 4: spot Is it right?

873
00:38:46,440 --> 00:38:48,440
Speaker 3: No, that's not right. You can have different because like

874
00:38:48,480 --> 00:38:50,200
Speaker 3: six people using my Spotify. I can't remember, and I

875
00:38:50,200 --> 00:38:52,880
Speaker 3: had no idea. I wasn't seeing their playlist. Oh okay,

876
00:38:52,880 --> 00:38:53,160
Speaker 3: I see.

877
00:38:53,200 --> 00:38:55,720
Speaker 2: I don't know how that worked because my playlists become

878
00:38:55,840 --> 00:38:58,160
Speaker 2: all of Stave's music, and then Taylor Swift gets the

879
00:38:58,239 --> 00:39:01,560
Speaker 2: Yeat and that's all I want to hear. Accepted, all right.

880
00:39:01,640 --> 00:39:04,280
Speaker 2: Someone says these really should have been a discussion before

881
00:39:04,320 --> 00:39:07,680
Speaker 2: you got engaged, not weeks before. Don't need the judgment.

882
00:39:08,440 --> 00:39:11,600
Speaker 2: We don't need the judgment asking now is the best

883
00:39:11,600 --> 00:39:14,680
Speaker 2: time because you've just learned about it and you're just considering.

884
00:39:15,160 --> 00:39:17,439
Speaker 2: I don't think we need to be going. I should

885
00:39:17,480 --> 00:39:19,239
Speaker 2: have already done that. You know what, there's a lot

886
00:39:19,280 --> 00:39:21,160
Speaker 2: of things I should have already done that I've never done.

887
00:39:21,239 --> 00:39:21,560
Speaker 2: You know what.

888
00:39:21,600 --> 00:39:23,759
Speaker 4: They say the best time to plant a tree is

889
00:39:23,760 --> 00:39:27,719
Speaker 4: one hundred years ago, Yeah, or today, exactly, something like that.

890
00:39:27,760 --> 00:39:31,200
Speaker 2: They say it's beautiful. They also say that about investing.

891
00:39:31,280 --> 00:39:33,359
Speaker 2: The best time to invest was one hundred years ago,

892
00:39:33,360 --> 00:39:35,000
Speaker 2: but the second best time is today.

893
00:39:35,320 --> 00:39:36,239
Speaker 3: Yes, that's the way.

894
00:39:36,560 --> 00:39:38,600
Speaker 2: Know, you said the exact same thing. I'm just really

895
00:39:38,800 --> 00:39:41,839
Speaker 2: driving home that you were right. Thank you. Someone said,

896
00:39:41,880 --> 00:39:43,759
Speaker 2: I don't have a partner yet, but I've worked really

897
00:39:43,800 --> 00:39:46,359
Speaker 2: hard and I will be protecting my assets. Yes, queen

898
00:39:46,400 --> 00:39:49,080
Speaker 2: get a queen. Yes. Someone said she definitely should do it.

899
00:39:49,120 --> 00:39:52,000
Speaker 2: If he's offended, then he has his head in the sand.

900
00:39:52,400 --> 00:39:56,279
Speaker 2: You've been listening to my book. Someone said, more so

901
00:39:56,400 --> 00:39:58,680
Speaker 2: for my peace of mind than what he thinks. He

902
00:39:58,719 --> 00:40:01,959
Speaker 2: will take it as he can. Oh, I just feel

903
00:40:02,000 --> 00:40:04,239
Speaker 2: like we just need to approach all these conversations with

904
00:40:04,320 --> 00:40:07,080
Speaker 2: a lot of kindness. And someone said, after losing a

905
00:40:07,120 --> 00:40:09,840
Speaker 2: lot more than twenty thousand dollars to my ex, my

906
00:40:10,000 --> 00:40:13,600
Speaker 2: now partner is the one who suggested I should protect myself.

907
00:40:13,760 --> 00:40:14,799
Speaker 4: Yeah, I like that's good.

908
00:40:14,840 --> 00:40:17,520
Speaker 2: I love that. And someone said she should just say

909
00:40:17,560 --> 00:40:20,799
Speaker 2: exactly what she said in that message. It was very kind. Yes,

910
00:40:20,880 --> 00:40:23,040
Speaker 2: So there's just been a lot of I guess support.

911
00:40:23,239 --> 00:40:26,720
Speaker 2: I think the most important thing is that, yes, I agree,

912
00:40:26,800 --> 00:40:29,480
Speaker 2: it would have been beautiful to have this conversation before

913
00:40:29,520 --> 00:40:32,279
Speaker 2: getting engaged. But you don't know when you're going to

914
00:40:32,320 --> 00:40:35,600
Speaker 2: get engaged. No. I knew because my partner had a

915
00:40:35,680 --> 00:40:37,400
Speaker 2: ring and he told me he had a ring, and

916
00:40:37,440 --> 00:40:39,239
Speaker 2: so I was really angsty about it. But like, not

917
00:40:39,320 --> 00:40:42,320
Speaker 2: everyone's partner does that for them, you know, really totally,

918
00:40:42,320 --> 00:40:44,200
Speaker 2: So it might have been a surprise, and you hadn't

919
00:40:44,239 --> 00:40:45,680
Speaker 2: had that conversation yet.

920
00:40:45,440 --> 00:40:47,439
Speaker 4: Like maybe you just didn't think about it until right now.

921
00:40:47,480 --> 00:40:51,239
Speaker 4: That's okay, exactly. You might be married already. Yeah, that's

922
00:40:51,280 --> 00:40:53,880
Speaker 4: not too late to have that conversation. Yeah, like I

923
00:40:53,920 --> 00:40:57,600
Speaker 4: would be having that conversation irrespective of where you are

924
00:40:57,680 --> 00:41:01,800
Speaker 4: in that journey of your relationship, because ultimately, it doesn't

925
00:41:01,800 --> 00:41:03,800
Speaker 4: just protect you, it protects your partner.

926
00:41:03,840 --> 00:41:07,560
Speaker 2: And that's the point. It's a two sided agreement. It's

927
00:41:07,600 --> 00:41:09,600
Speaker 2: not just me going, hey, just sign this. It puts

928
00:41:09,600 --> 00:41:11,120
Speaker 2: me in the best position if you ever leave me.

929
00:41:11,360 --> 00:41:16,120
Speaker 2: Ill No, No, David, el David still David. I don't

930
00:41:16,160 --> 00:41:17,640
Speaker 2: get the reference, but I like it.

931
00:41:18,200 --> 00:41:18,719
Speaker 4: Shit's Creak.

932
00:41:19,239 --> 00:41:21,000
Speaker 2: I gotta watch that, do you know? My first dance

933
00:41:21,239 --> 00:41:26,040
Speaker 2: was simply the best version from Shit's Creek iconic, truly iconic,

934
00:41:26,239 --> 00:41:28,440
Speaker 2: and absolutely never posted that because it was a moment

935
00:41:28,719 --> 00:41:31,000
Speaker 2: for me. Oh beautiful, but you can go look that up.

936
00:41:31,000 --> 00:41:32,680
Speaker 2: It was a very good song. Cool, you're welcome for

937
00:41:32,719 --> 00:41:36,080
Speaker 2: the wedding song recommendation. My friend who's currently engaged to

938
00:41:36,080 --> 00:41:38,320
Speaker 2: be a fiance or we engaged to be married.

939
00:41:38,680 --> 00:41:39,200
Speaker 3: Exciting.

940
00:41:39,440 --> 00:41:41,440
Speaker 2: All right, we will see you next week. Guys, have

941
00:41:41,560 --> 00:41:43,680
Speaker 2: the best weekend. We love you all and get your

942
00:41:43,680 --> 00:41:53,880
Speaker 2: binding financial agreements in place a SAP, Bye bye. The

943
00:41:53,960 --> 00:41:56,960
Speaker 2: advice shared on Cheese on the Money is generally nature

944
00:41:57,000 --> 00:42:00,520
Speaker 2: and does not consider your individual circumstances. She's on the

945
00:42:00,560 --> 00:42:04,080
Speaker 2: Money exists purely for educational purposes and should not be

946
00:42:04,160 --> 00:42:07,520
Speaker 2: relied upon to make an investment or financial decision. If

947
00:42:07,560 --> 00:42:09,920
Speaker 2: you do choose to buy a financial product, read the

948
00:42:09,960 --> 00:42:14,560
Speaker 2: PDS TMD and obtain appropriate financial advice tailored towards your needs.

949
00:42:14,880 --> 00:42:18,840
Speaker 2: Victoria Divine and She's on the Money are authorized representatives

950
00:42:18,880 --> 00:42:22,560
Speaker 2: of Money sheerper Pty Ltd a BN three two one

951
00:42:22,680 --> 00:42:26,359
Speaker 2: IS six four nine two seven seven zero eight AFSL

952
00:42:26,480 --> 00:42:30,360
Speaker 2: four five one two eight nine