Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it. She's on the Money. She's on
Speaker 2: the Money. Hello, and welcome to She's on the the
Speaker 2: podcast for millennials who had a barbie party last weekend
Speaker 2: and it was basically the most lit thing in the
Speaker 2: entire world, but nobody cares. So today is Friday, which
Speaker 2: means it is time to celebrate you because last Saturday
Speaker 2: at my barbie party, it was about me, but today
Speaker 2: it is about you and celebrating how incredible she is
Speaker 2: on the Money community, we are genuinely so excited to
Speaker 2: be back again for another Friday episode. Today we're going
Speaker 2: to be sharing our favorite money wins or is just groo.
Speaker 2: She is going to be taking us through the top
Speaker 2: tips and the top money wins from our group. We'll
Speaker 2: be helping to answer a juicy money dilemma, which this week, guys,
Speaker 2: it's all about understanding the pros and cons of being
Speaker 2: a casual or a part time worker and how that works. Beck,
Speaker 2: You're going to sprinkle in some more broke tips, which
Speaker 2: we're very excited about. And we're going to be unpacking
Speaker 2: something you slid into our DMS about and we're going
Speaker 2: to discuss how to bring up a prenup with your partner.
Speaker 2: How do we have that conversation? So that could be
Speaker 2: really fun. But first things first, my loves, how was your.
Speaker 3: Week so good? I feel like the Barbie party just
Speaker 3: like set the week off on a high. If you
Speaker 3: follow me on Instagram, you know getting that costume together
Speaker 3: was quite the audio.
Speaker 2: You love a theme though we love see commit it well.
Speaker 2: Beck dyed her head.
Speaker 3: Will not dye her hair, It spray hated her hair
Speaker 3: a different color. So I feel like everyone bought in.
Speaker 3: And I said on the night, it's so rare that
Speaker 3: you have a party like that with as many people
Speaker 3: as you did. And every single persons committed, every single
Speaker 3: person went hard. It was so much fun.
Speaker 2: I mean, it was probably the aggressive invitation that I sent.
Speaker 2: If you remember, the invitation did say that was great
Speaker 2: standard barbies will be rejected at the door if you
Speaker 2: do not dress up. Don't bother coming, like go hard
Speaker 2: or go home, Like this is a costume party. Sure,
Speaker 2: for sure, not one person didn't put effort in.
Speaker 4: No, that's true, that is true. I really like that.
Speaker 4: But also this is something I do get nervous about
Speaker 4: when it comes to themes, is that they're going to
Speaker 4: cost a lot of money. They don't have to cost
Speaker 4: that much. You were really creative, So just putting that
Speaker 4: out there.
Speaker 2: Jess already had a costume box full of costumes and
Speaker 2: its next to my ready to go.
Speaker 4: That's an investment.
Speaker 3: It is my boyfriend made in front of me, and
Speaker 3: then I got to whip it out and be like, there.
Speaker 2: You go, costume box is paying exactly.
Speaker 3: How is your week back?
Speaker 4: My week was really lovely. Hectic, hectic work week. Lot's
Speaker 4: going on, but also really nice. I'm trying to like
Speaker 4: make time for mates and also work, and I don't
Speaker 4: want the two to bleed into each other. You know
Speaker 4: what I mean, work time, Jessica, apologies, this is a worktime, babe.
Speaker 3: No laughing fellow business associate.
Speaker 2: Hello, infer to each.
Speaker 4: Other by name anymore?
Speaker 2: Oh, yes, my colleague, this is my colleague, my estume colleague. No,
Speaker 2: but my week has been pretty lovely. Oh how good? Happy?
Speaker 3: My financial yeah?
Speaker 1: By day?
Speaker 2: Oh isn't it exciting? Huge me? Yes. If you guys
Speaker 2: have fallen a little bit off track when it comes
Speaker 2: to your financial goals, I think this time of year
Speaker 2: it's perfect to just get back on the horse. Yeah.
Speaker 2: I feel like so many times we get to July.
Speaker 2: Oh my gosh, I haven't achieved anything. So we still
Speaker 2: have like literally six full months to do so much stuff.
Speaker 2: Zachly like, get back on it. If you haven't done
Speaker 2: your budget, download our free budget from our website. If
Speaker 2: you're worried about cash flow, now is the time to
Speaker 2: sit down and go through your finances. If you haven't
Speaker 2: got your insurances in order, now's the time you want
Speaker 2: to review your mortgage. Go talk to Kate at Zella Money.
Speaker 2: There are so many things that you can do to
Speaker 2: put yourself in a better financial position. And I mean
Speaker 2: listening to this podcast is arguably the best one you've
Speaker 2: made this year.
Speaker 3: Well done starting the financial year off on a great foot.
Speaker 2: I love it all Right, Well, let's dive straight into
Speaker 2: something that is literally my favorite thing ever, and that's
Speaker 2: like our money wins thread, just Grichier. What have you
Speaker 2: pulled out to share with the team this week?
Speaker 3: My first is a money loss who came from Ali,
Speaker 3: but I'm going to follow it up with a potential
Speaker 3: money win. She said, money loss took the kids to
Speaker 3: Disney on Ice, but life win. We had the best
Speaker 3: family night I ever. And I actually just got a
Speaker 3: TikTok the other night that had someone who was going
Speaker 3: to Disney on Ice and it was a video and
Speaker 3: she'd gone to Kmart and she'd bought a bunch of
Speaker 3: Disney merch there for a quarter of the price and
Speaker 3: just took it with her and pulled it out of bag.
Speaker 3: Was like, oh look what I got you? Oh so smart,
Speaker 3: because that's those slates will take you for a ride.
Speaker 3: I think it was something like seventy dollars for a
Speaker 3: soft toy, so going it came out of a target
Speaker 3: or when Jessica spent it, yep, one hundred percent. I
Speaker 3: would not a question.
Speaker 2: No, no, no, no, no, would did you have will? We
Speaker 2: went to Disneyland twice last year? I'm for she sure
Speaker 2: she went ham both times.
Speaker 3: Wow, bought the overpriced merch. If you're taking a kid,
Speaker 3: they're not going to know so exactly.
Speaker 2: Early I should have done that to Jess. Look at
Speaker 2: these ears. Jess would have been like, yeah, I haven't
Speaker 2: seen these ones in this the fifty different Disney stores
Speaker 2: I've been into today, it's a cure.
Speaker 4: Or if you go to an ice rink and dress
Speaker 4: up as whoever the Disney or not, I just won't
Speaker 4: know the difference.
Speaker 3: Not a clue. Could just be back in Victoria's skating
Speaker 3: exactly like.
Speaker 2: Me on ice skates. Would not be a good idea,
Speaker 2: it would be funny. Let's saving money. Let's do it.
Speaker 2: Let's get our disney is out and go ice skating.
Speaker 2: She's on the money, Disney or.
Speaker 3: Us done done, I'll see there. My next money wind
Speaker 3: comes from Claire, who said money win. I'm rereading my
Speaker 3: books in my bookshelf again, so I've saved myself twenty
Speaker 3: five dollars. I'm buying a new book, love it.
Speaker 2: It's a good money win.
Speaker 3: Simple but effective. Next I've got a money in from Julia,
Speaker 3: who said, instead of buying a new dress swear for
Speaker 3: a wedding, a friend of a friend let me borrow
Speaker 3: one of hers for the day.
Speaker 2: I just like the I that, and I love that
Speaker 2: they weren't like a super close friend. We're becoming far
Speaker 2: more comfortable with sharing clothes. I feel like the sharing
Speaker 2: is the way to go.
Speaker 3: Sharing truly is caring, especially in this economy. So you'd
Speaker 3: love to see it.
Speaker 2: You best believe I'll be asking to borrow that too. Too.
Speaker 2: Off Jessica that she walter my Barbie party.
Speaker 3: Anytimes from casual Wednesday in the office.
Speaker 2: Yes, absolutely, don't put it past me if that is
Speaker 2: an option. I am in a bad time.
Speaker 3: My next money whin is from Rihanna, who said money win.
Speaker 3: I've been having a hard time personally for the last
Speaker 3: few weeks. So on Saturday, a friend of mine made
Speaker 3: me a home called lunch Slushpin tobot. I was out
Speaker 3: all day on Saturday and their lunch was such a lifesaver.
Speaker 2: I love this. That is actually so wholesome. Are you
Speaker 2: making lunch for the team this week or.
Speaker 3: I can try, but as a not great chef, you
Speaker 3: may or may not want.
Speaker 2: We are all having dinosaur nugget.
Speaker 3: That's exactly right. Next, I've got to win from Georgina,
Speaker 3: who said we paid off three out of our five
Speaker 3: expensive degu station restaurants by using credit card and Flybys
Speaker 3: points translated to restaurant give outch Oh so smart. I've
Speaker 3: spent months maximizing the points we could get on transactions,
Speaker 3: particularly from Flybys to do this.
Speaker 2: Oh great, Flybys and Jessica two peas in a pod.
Speaker 2: In fact, this week I went to the Flybys office actually,
Speaker 2: and I had a corporate speaking event which was so
Speaker 2: slagh like. Imagine telling the Flybys team, who are arguably
Speaker 2: better at budgeting like they are the queens at Tips
Speaker 2: and Trigs. They asked me to come in and tell
Speaker 2: them that is really cool, isn't it cool?
Speaker 5: Yeah?
Speaker 3: So fun. I'm very Jealouyhi.
Speaker 2: Just so you know, Beck would like to draw your
Speaker 2: attention to the fact that she drew a sushi.
Speaker 4: I don't know why you.
Speaker 3: I don't want you not sure a while.
Speaker 4: I need you to just look at the sushi that
Speaker 4: I drew because you said beno box sorry continued, Yes,
Speaker 4: we'll put a picture online. Yes, please, if you think
Speaker 4: you're not nerospicy baby roll.
Speaker 3: Next money when comes from Shivanji, who said money Win
Speaker 3: shopped for the entire year at the Iconic sale, bought
Speaker 3: twenty ish pieces of clothing and got fifty percent off
Speaker 3: my entire shop on top of the sale price. Ended
Speaker 3: up paying seven hundred dollars for shopping worth three thousand,
Speaker 3: eight hundred dollars. Then I used shop back and Cornus
Speaker 3: Points to get extra points on it, and that was
Speaker 3: beautiful too.
Speaker 4: Oh my god, shop back, I love shot back.
Speaker 2: How good?
Speaker 3: It just reminded because I feel like we haven't said
Speaker 3: in a while, but the code SotM gets you ten
Speaker 3: dollars if you sign.
Speaker 2: Up to shop back, and I have used it before
Speaker 2: and that's a big money win.
Speaker 3: Yes, big money wing. I am their biggest fan. And lastly,
Speaker 3: I'm just summarizing almost the entire thread from this week.
Speaker 2: It went bothways.
Speaker 3: Hundreds of people hundreds is it money win of money
Speaker 3: us did or did not get Taylor Swift tickets?
Speaker 5: Yeah?
Speaker 2: Oh my gosh, we feel you, We see you.
Speaker 3: We're working on a little solution. Could you say you didn't.
Speaker 2: We've got four little solutions that we're trying to find
Speaker 2: a solution before.
Speaker 3: Yeah, we're trying to find a solution to give you
Speaker 3: a solution. But just know we're working on it. We've
Speaker 3: got your back, besties. You're gonna want to be following
Speaker 3: us on Instagram and on Facebook.
Speaker 2: That you need to be following us on socials because
Speaker 2: it won't be on the phone.
Speaker 3: No, it'll be a little surprise.
Speaker 2: Interesting.
Speaker 3: You didn't hear it from me though.
Speaker 2: Imagine if it was just like us giving away pictures
Speaker 2: of Taylor sw I.
Speaker 4: I was thinking that too. I was like imagining you guys.
Speaker 2: Just no, it's not it will make you cry. It
Speaker 2: made me cry. It's very anyway, carry on, carry on,
Speaker 2: carry all, right, Beck, I need to know your broke
Speaker 2: tip have you got anyway.
Speaker 4: I'm kind of excited about these ones because they're very relatable,
Speaker 4: I would think, to the general public. So the first
Speaker 4: one comes from Grace, who has two for me, so
Speaker 4: I'll read them both out.
Speaker 2: The one is reuse.
Speaker 3: Your tea bags.
Speaker 4: We were talking about reusing off air.
Speaker 2: Draw the line at the tea bag reuse.
Speaker 4: Usually I mean usually same, but if you know, if
Speaker 4: you have one tea bag left and you literally can
Speaker 4: we've all been there, we've all been there by a
Speaker 4: new box. Reuse the tea bag, don't worry about it.
Speaker 4: This would be like a flavorful water which can be delivered.
Speaker 4: Wee tea is for plebs rather than reusing. Could you
Speaker 4: maybe double up the quantity of water that you're putting
Speaker 4: it into because they just worry about bacteria.
Speaker 2: I'm not for tea leaves.
Speaker 4: Surely, if you're like maybe making two teas or something
Speaker 4: like that, you can at the same time at the
Speaker 4: same time. But yes, ideally you know you want it
Speaker 4: because they do get moldy or something for.
Speaker 3: You would be thought. No, double double the water. That's
Speaker 3: a good one. Double the water and then you can
Speaker 3: pop one in the fridge for tomorrow.
Speaker 2: Exactly right.
Speaker 4: So reuse your tea bags, reuse anything that is able
Speaker 4: to be reused, basically, I think is a really good
Speaker 4: general tip. The next one is toothpicks. Yep, are you
Speaker 4: re used toothpicks?
Speaker 3: Good?
Speaker 2: Move on. I'm not even going to see how many
Speaker 2: different things you would reuse.
Speaker 3: I ever used gum.
Speaker 5: No?
Speaker 4: Sorry, sorry, sorry, sorry, Okay, this.
Speaker 2: Next one, do you know if I make that sound
Speaker 2: actually I hope I'm not triggering anyone. But if I
Speaker 2: go in front of my husband, it triggers his gag briefly.
Speaker 4: I know a few people that I would I'm sorry,
Speaker 4: sorry if you're driving and gagging, but I'm gackling. If
Speaker 4: you have turned it down, you can safely turn it
Speaker 4: up now because Victoria doesn't have to gag anymore. This
Speaker 4: one is a very good tip. Okay, so this is
Speaker 4: for uber users.
Speaker 3: Use uber pool.
Speaker 4: Sometimes you actually don't have anyone else in there, but
Speaker 4: you've saved so much money, so always use it even
Speaker 4: if you do have someone in there.
Speaker 2: Whatever you know, it doesn't matter. It doesn't matter. We
Speaker 2: can be friends. A lot of the time you actually.
Speaker 4: Don't have anyone else in there because no one else
Speaker 4: is using uber pool.
Speaker 3: That's quite clever.
Speaker 2: I never thought.
Speaker 3: I didn't realize that they would just not put someone
Speaker 3: in there.
Speaker 2: You can get that.
Speaker 3: That's like a free seat row on the plane. That's
Speaker 3: why I cute that too. Yes, which is rare, rare.
Speaker 4: But sometimes it happens.
Speaker 1: Now.
Speaker 4: I do have another one from one Courtney, who has
Speaker 4: sent in after hearing about you know my bit situation.
Speaker 4: Courtney wrote in and said that she heard that basically
Speaker 4: Medibank has a Live Better program. You be healthy, you
Speaker 4: get points. You can redeem those points to buy a
Speaker 4: brain new fit bit, so you can. I had never
Speaker 4: heard about this before, but do it. I feel like
Speaker 4: it's a win win win.
Speaker 2: It's like the AIA Vitality program. So I'm pretty sure
Speaker 2: that medibank is through IOA correct me if I'm wrong.
Speaker 2: But that program kind of gives you discounts and rewards
Speaker 2: you for being healthy, and you can get like percentages
Speaker 2: off your health insurance, and you can like redeem your
Speaker 2: points for things, and you get more points for doing
Speaker 2: more things, Like you can get points for just doing
Speaker 2: your steps, but you can also like go to the
Speaker 2: optometrist and have your and your check up. You get
Speaker 2: points for it, and you can redeem it on stuff
Speaker 2: like give out just stuff. It's actually really good.
Speaker 4: I love that.
Speaker 2: Not sponsible just I thought that was real cool. No,
Speaker 2: I do love But if they do want to sponsor me,
Speaker 2: I would be very keen on working with it. I
Speaker 2: wouldn't hate it, wouldn't hate it lines to my values.
Speaker 4: Yeah, So my breake tip for this week is to
Speaker 4: bring your own sauces, condiments, everything wherever you go. So
Speaker 4: if you're getting a meat pie, you don't want to
Speaker 4: pay you extra twenty cents, sometimes an extra two dollars
Speaker 4: for a little what do you call.
Speaker 2: Those things sashet?
Speaker 4: No, it's like comes in a tiny little bowl ramikin
Speaker 4: ramikin of sauce or.
Speaker 2: So you're just carrying around to seven hundred ye meal
Speaker 2: bottle off.
Speaker 4: You can bring the bottle, but you can also just
Speaker 4: get little toupware container's always bring your own condiments. So
Speaker 4: if you're getting I don't know, pie from seven to eleven,
Speaker 4: I don't know if they charge for sources, but no, no.
Speaker 2: Seven eleven sauces free. So that's money. Take the seven
Speaker 2: eleven sauce. Yeah, save it for the next time someone
Speaker 2: tries to stood you on surce because seven eleven would never,
Speaker 2: they would never.
Speaker 4: Yes, exactly, you can save you up on those or whatever,
Speaker 4: but just don't be spending even twenty sense for extra sauce.
Speaker 4: Bring your own sauce, bring your own condiments.
Speaker 2: See I've never done that, but I do. This is
Speaker 2: probably a deep insight into my personality. I'm the saltiest
Speaker 2: woman you've ever known. Like help, I put salt on everything.
Speaker 3: And then you go back and put more salt on it.
Speaker 2: Yeah, like if we're having toast with butter, salt, we're
Speaker 2: having any food salt, We're going to the tire place salt. Like,
Speaker 2: there needs to be salt on all of my food,
Speaker 2: to the point where I have gone to my doctor
Speaker 2: and said, can you please test my sodium levels? I
Speaker 2: think this is obscene and comes back normal He said, no,
Speaker 2: what you're consuming is sign I steal the salt pack
Speaker 2: from like macas and stuff, yep, and I put them
Speaker 2: in my purse so that I'm never without salt. That's
Speaker 2: a good idea. I can't be without salt. So you
Speaker 2: can do that at hotels and stuff. I also carry
Speaker 2: my own tea bags in my own bag. Ah, yes, yes, yes,
Speaker 2: in little ziploc Yep, you've seen it. Yep. I've got
Speaker 2: little tea bags because like, what if I need a
Speaker 2: lemon grass ginger tea, I'm not spending five dollars getting
Speaker 2: a lemon gras like a couple what. Absolutely not.
Speaker 4: That is so true actually, and I used to do
Speaker 4: that a lot, and it's so much cheaper. You go
Speaker 4: to like you know, your servo, and you get a
Speaker 4: cup of order and you just chuck your own tea
Speaker 4: bag in there.
Speaker 2: It's so much cheaper. You might think I'm a stinge,
Speaker 2: but I'm a smart one.
Speaker 3: There you go, little saucers, little tea bags. You just
Speaker 3: need a little mini kitchen.
Speaker 2: It and just looking at us like we are insane.
Speaker 2: I'm like, nah, nah, no judgment.
Speaker 3: No as a chicken nugget, girly, I'm all for doing
Speaker 3: what you gotta do.
Speaker 4: I love that. Thank you, Jess more salt more often, Yes, exactly,
Speaker 4: save yourself some money.
Speaker 2: Let's go to a really quick break because on the
Speaker 2: flip side, we're going to be talking about the pros
Speaker 2: and cons of being a casual versus a part time worker.
Speaker 2: And then we're going to discuss how to approach having
Speaker 2: a conversation about a prenup with a partner, and that
Speaker 2: can be really awkward. So don't go anywhere, because we
Speaker 2: got to feel really uncomforable having this conversation and you
Speaker 2: can't just leave us.
Speaker 3: Welcome back, everybody. Let's take a listen to the Money
Speaker 3: to Lemma.
Speaker 2: For the week. Hi, there, have you got a money
Speaker 2: dilemma you just can't solve. She's on the Money Team
Speaker 2: is here to help. Every week we tackle your dilemmas
Speaker 2: both big and small to answer your most burning money,
Speaker 2: career and life questions. To get involved, simply head to
Speaker 2: our website and leave us a short voice recording and
Speaker 2: you might just find yourself on the show. Now, let's
Speaker 2: take a listen to this week's money dilemma.
Speaker 5: Hello, she's on the money friends. I'm absolutely loving the potty.
Speaker 5: My money dilemma is that I'm in a bit of
Speaker 5: a sticky situation at work at the moment where I
Speaker 5: love my job and work pretty much part time hours
Speaker 5: as a casual, but I've just been asked to go
Speaker 5: on a contract a part time but I'm kind of
Speaker 5: having a hard time understanding the benefits. At the moment,
Speaker 5: as a casual, my alli rate is higher and I
Speaker 5: still get pretty regular shifts. But I know from other
Speaker 5: staff who've been asked to go on a contract they've
Speaker 5: been threatened with reduced shifts as it's kind of out
Speaker 5: of their budget to pay casuals. However, I know in
Speaker 5: the summertime they are generally short on staff anyway. So
Speaker 5: Victoria and team, can you help me understand the pros
Speaker 5: and cons of being a casual versus part time? Beyond
Speaker 5: the ali right, and what might be the other benefits
Speaker 5: of being one or the other.
Speaker 2: So this is a tricky topic because if you're doing
Speaker 2: here in Australia and you should absolutely head to the
Speaker 2: Fairwork dot gov dot au website to learn a little
Speaker 2: bit more and not just take a podcast as gospel.
Speaker 2: But I have done the reading, so I'm basically just
Speaker 2: spitting out what I've read on that website. But I
Speaker 2: also know from personal experience in our community that if
Speaker 2: you're a casual employee and you've been doing consistent part
Speaker 2: time hours for a minimum I believe of twelve months,
Speaker 2: you're technically not meant to be on a casual contract.
Speaker 2: Some companies don't want to move you to a part
Speaker 2: time contract because that means they actually have a minimum
Speaker 2: obligation to you. Like if I had employed Beck on
Speaker 2: a casual contract, technically the nature of our arrangement is
Speaker 2: that I wouldn't some weeks have to give you any shifts.
Speaker 2: But if you were on a part time we have
Speaker 2: an agreement that there would be minimum shifts. So some
Speaker 2: companies want to keep you casual. Some companies might be
Speaker 2: as yours is my she is on the money friend
Speaker 2: might be trying to move you to part time because
Speaker 2: their casual plan isn't working out as well. But there
Speaker 2: are pros and cons to both. So when it comes
Speaker 2: to casual employment, you would have what we call a loading,
Speaker 2: and that's why your hourly rate is higher. You have
Speaker 2: loading because you don't get sick pay, and you don't
Speaker 2: get to take annual leave. You don't accrue annual leave,
Speaker 2: and you don't get a lot of the other benefits
Speaker 2: associated with being a full time or a part time employee.
Speaker 2: So a part time employee has the same rights as
Speaker 2: a full time employee, but you definitely have a few
Speaker 2: less benefits involved when you're casually employed. But to make
Speaker 2: up for the lack of benefits, you get a higher
Speaker 2: hourly rate. So there are a few things I guess
Speaker 2: that come in and it's going to really depend on
Speaker 2: what you want out of life. I know when I
Speaker 2: was back in UNI, and this was ten plus years ago,
Speaker 2: so things have definitely changed. I got offered a part
Speaker 2: time role and I said no thanks, because I actually
Speaker 2: wanted the loading of being a casual employee and I
Speaker 2: liked the flexibility. I didn't care about unpaid leave, I
Speaker 2: didn't care about all of those things because I was
Speaker 2: kind of like broke as hell, so I didn't want
Speaker 2: to take annual leave and any annual leave periods. I
Speaker 2: actually wanted way more shifts to make more money, so
Speaker 2: I liked that flexibility. But at the end of the day,
Speaker 2: I think this is going to depend on what your
Speaker 2: personal circumstances are, So negotiating with your employer is important.
Speaker 2: Asking for more information I think is also important because
Speaker 2: if you're missing out massively financially from making that shift
Speaker 2: because it works better for your employer, I think that
Speaker 2: there needs to be a really good conversation around Hey,
Speaker 2: I can see that this puts you guys in a
Speaker 2: way better position, but it doesn't do the same for me.
Speaker 2: In fact, I'm going backwards. So what are we going
Speaker 2: to do about Maybe you're negotiating that, yes, you take
Speaker 2: a cut on your hourly rate, but it might not
Speaker 2: be as much of a cut as what they're proposing.
Speaker 2: Do the math, sit down and write out what you'd
Speaker 2: take home per week or fortnite or month or however
Speaker 2: you get paid on the casual versus the part time contract,
Speaker 2: But also what other benefits are there. Are you actually
Speaker 2: going to enjoy the fact that you now get paid leave,
Speaker 2: it might be a value to you. Are you actually
Speaker 2: going to benefit from sick leave? Because if you call
Speaker 2: in as a casual when you're not well, you're probably
Speaker 2: not getting paid for that. So it will really depend
Speaker 2: on your contract on how that works and having open,
Speaker 2: honest conversations with your employer. But I would be checking
Speaker 2: out the Fair Work website because I feel like they
Speaker 2: are the most reliable source of information. And it really
Speaker 2: depends on what award you're on as well as to
Speaker 2: what the regulations look like, because they're really different if
Speaker 2: you were in construction, or you're a barista, or you're
Speaker 2: a waitress, or maybe you're working in an art gallery,
Speaker 2: Like all of these different things are going to come
Speaker 2: into play. So there's not a one size fits all
Speaker 2: answer here as to which is better. Because according to
Speaker 2: Fair Work, part time contracts are relatively attractive because there's
Speaker 2: more responsibility on the employer. However, you might be like
Speaker 2: past Victoria, I loved my high outul you rate, so
Speaker 2: to me that made sense. What would you guys do?
Speaker 3: I would just say to be aware that going onto
Speaker 3: part time, it's going to really depend on your contract
Speaker 3: because I remember when I worked in retail, and I
Speaker 3: worked for the same employer on a casual, part time,
Speaker 3: and full time contract, so I did it all. But
Speaker 3: the part time contract of a standard contract was a
Speaker 3: three hour minimum. So I know that she said in
Speaker 3: her note to us that she was worried that if
Speaker 3: she stayed casual they might penalize her by reducing her shifts,
Speaker 3: but if she went part time like she would be
Speaker 3: guaranteed shifts. But sometimes employers can be sneaky because if
Speaker 3: they set that minimum at the lowest amount, which in
Speaker 3: the retail award, at least at the time that I
Speaker 3: was working, it was three hours a week, Yep, they
Speaker 3: are only required to give you whatever's outlined in your contract.
Speaker 3: If they set that at twenty five hours a week,
Speaker 3: that would be your minimum. But sometimes employers who are
Speaker 3: doing it to reduce their costs will put those minimum
Speaker 3: hours in as low as possible so that they can
Speaker 3: chop and change that roster around as they need without
Speaker 3: actually having a significant obligation to you outside of your
Speaker 3: pro rauded benefits based on you know, whatever that minimum
Speaker 3: hourly rate is.
Speaker 2: Yeah, it makes me really frustrated because the tone of
Speaker 2: that message was a bit threatening. Not from our community member.
Speaker 2: You weren't threatening, love you, but when people are saying,
Speaker 2: oh my gosh, like you'll get less hours, it kind
Speaker 2: of feels like a threat. Like, Jesse, if you don't
Speaker 2: sign this contract and agree to work for less right now,
Speaker 2: which is what it would feel like, you're going to
Speaker 2: not get the work, so you better sign. Yeah, And
Speaker 2: that feels awful, And I think that there's a conversation
Speaker 2: around that, And that's why I'm saying, maybe go check
Speaker 2: out fair Work and have a conversation. You can always
Speaker 2: call them for some advice and see what happens. But
Speaker 2: also it kind of is a no brainer as well,
Speaker 2: Like let's say that that was not threatening at all,
Speaker 2: and I've got Beck and I've got Jess, and Jess
Speaker 2: is on a contract and she's part time, and then Beck,
Speaker 2: you're hourly. I look at that and I'm putting some
Speaker 2: on to roster. If I'm the business owner, I'm going
Speaker 2: to go, ah, one, I've got minimum requirements that I
Speaker 2: need to meet with Jess. I don't have any obligation
Speaker 2: for hours for you. But also, right now, per hour
Speaker 2: Jess is cheaper. So really, regardless of weather I love you,
Speaker 2: Beck or not from a business perspective, it's just going
Speaker 2: to make more sense to just roster jess On Schlank.
Speaker 2: I'm just going to chuck jess On, like, let's pretend
Speaker 2: apples with apples, you have exactly the same role. One's
Speaker 2: part time, one's casual. I think that that could come
Speaker 2: into play, but also that then doesn't feel fair. I
Speaker 2: would be asking, well, why are we making this shift now?
Speaker 2: How does that work? Where are the benefits for the
Speaker 2: employees in this circumstance. I know you've been casual up
Speaker 2: until this point, and they might go, well, actually the
Speaker 2: business is far more solid now like before we were
Speaker 2: up and down and you know we're a new business
Speaker 2: or whatever it is. Now we know you're on you.
Speaker 2: These are the hours we need, this is the amount
Speaker 2: of stuff we need. We're just going to do part time.
Speaker 2: And from a business perspective, that makes a lot of
Speaker 2: sense and is actually in their best interest because they
Speaker 2: could say, Okay, well you know, we're just hiring this
Speaker 2: way and we if you don't want to move over,
Speaker 2: you could go find another job. Like sometimes it's just
Speaker 2: them trying to run a clean, good business. So we
Speaker 2: need to take into consideration. I guess their motivation for this,
Speaker 2: and maybe it was about making Hey, well the sun
Speaker 2: was shining. You had this really high casual rate and
Speaker 2: that was really great. But now everything's more solid and
Speaker 2: the option on the table is a part time contract, Like,
Speaker 2: let's just have a look at what those things look
Speaker 2: like and how that benefits you. And I don't mean
Speaker 2: to end my conversation on a I guess it's sour, oa,
Speaker 2: because it's not sour. But sometimes we outgrow roles and
Speaker 2: jobs and people. And if the option is going part
Speaker 2: time or finding another casual role that really serves you
Speaker 2: and makes you happy and gives you the remuneration that
Speaker 2: you are looking for, well maybe that's the decision that
Speaker 2: needs to be made. I'm not saying leave because they're
Speaker 2: making you sign it. That's absolutely not it. But you
Speaker 2: might go, oh, well that's okay. It was nice while
Speaker 2: it lasted. Yeah, totally, Beck, Do you have anything to add?
Speaker 2: Would you say yes or no?
Speaker 4: Or for me, I had a similar thing same as
Speaker 4: you guys, where I was working at a bowling alley.
Speaker 4: They pretty much just went from casual to part time
Speaker 4: and started like, oh, it wasn't threatening, but it was
Speaker 4: very I'm gonna say, I'm going to say threatening and saying, like,
Speaker 4: you know, if you don't move to part time, you
Speaker 4: won't get shifts, et cetera. I kind of just had
Speaker 4: to do that. But the decrease isn't as noticeable as
Speaker 4: you might think it is. It depends obviously, you know,
Speaker 4: as you're saying on your contract and things like that.
Speaker 4: But I guess, like just adding up what it's a
Speaker 4: bit hard to say, but like what your average sickie
Speaker 4: days are. Let's say you take four a year, which
Speaker 4: is really isn't much. I love a good siki for
Speaker 4: a mental health day for anything. Really, it is very important.
Speaker 4: So let's say you take like four a year. Let's
Speaker 4: say that's roughly seven hundred and eight hundred dollars a year.
Speaker 4: Maybe you're making that in I don't know, like maybe
Speaker 4: like so deducting that if that makes sense, because you
Speaker 4: won't get paid that when you're a casual. If you
Speaker 4: moved apart time, time will kind of even out, do
Speaker 4: you know what I mean?
Speaker 2: Yeah, and we leave and stuff. It's also ext You
Speaker 2: might say, no, I don't want to take any leave,
Speaker 2: and that's okay, But when you leave that job, your
Speaker 2: leave balance will be paid out exactly. Yes, it's like
Speaker 2: you're not working towards anything in that aspect. I think
Speaker 2: that it all needs to be taken into consideration, and
Speaker 2: it's honestly a bigger conversation than I get more per hour,
Speaker 2: Like the benefits and entitlements that exist are obviously financial,
Speaker 2: but also go beyond that. Like I can't sometimes afford
Speaker 2: or historically couldn't afford to take a mental health day.
Speaker 2: I was completely burnt out. I go to work because
Speaker 2: I needed the money. Yeah, how nice is it to go? Oh,
Speaker 2: I can call in seek today and exactly I can
Speaker 2: stay in bed and not stress about finances. So I
Speaker 2: think there's lots of bros and lots of content. Ultimately,
Speaker 2: you have to decide that for yourself. Somebody else can't
Speaker 2: tell you. But we've given you the resources and the
Speaker 2: tools and hopefully a little bit of insight to make
Speaker 2: that conversation and that decision a little bit easier. All right,
Speaker 2: let's segue into another community dilemma. Guys, we're going to
Speaker 2: talk about prenups. Because this week I got a message
Speaker 2: and it sounded like this, Hi, ladies, I'm getting married
Speaker 2: soon to the love of my life and I couldn't
Speaker 2: be more excited and happy. I would really like to
Speaker 2: sign a prenup. It's not at all that I think
Speaker 2: the marriage won't work out. I've just worked so hard
Speaker 2: all my life to create my own wealth and it's
Speaker 2: something I value a lot. My parents separated when I
Speaker 2: was younger, and money was very messy and a huge
Speaker 2: stress in both of their lives. After watching this happen,
Speaker 2: I made it my mission to become financially independent. Anyway,
Speaker 2: My question is how do I bring this up with
Speaker 2: my fiance. I don't want him to be hurt or
Speaker 2: take this personally, but I'm worried he will I will not.
Speaker 2: Currently we have our own finances. Nothing is combined yet.
Speaker 2: Thank you so much.
Speaker 4: All right, guys, do you want to go first?
Speaker 3: Jess, I will start by saying prenups are a thing.
Speaker 3: In Australia. We have the BFA binding financial Agreement.
Speaker 2: I don't even need to be on this podcast if
Speaker 2: you want to know, ah, well.
Speaker 3: We've done a full episode on that, so type into
Speaker 3: your podcast or it might be underbinding financial agreements. Actually
Speaker 3: tied that into your podcast up and it should come up.
Speaker 3: I personally, I'm a big fan of the BFA. I'm
Speaker 3: all for it. Similar to our community member, My partner
Speaker 3: and I currently have entirely separate finances. As you guys
Speaker 3: know if you listen to the property playbook shameless plot,
Speaker 3: I'm trying to buy a house.
Speaker 2: Great podcast podcastic host, I think.
Speaker 3: So too, Thank you so much. But I have literally
Speaker 3: already had the conversation with my partner and said, hey,
Speaker 3: if I buy a house, we will be putting a
Speaker 3: BFA in place.
Speaker 2: I'm sexy.
Speaker 3: Have all of my friends, most of them have shared finances,
Speaker 3: several of them are married or have children. I have
Speaker 3: said to all of them, none of whom currently have bed.
Speaker 2: You're like the pesty, aren't who I have an account
Speaker 2: with money, so you can leave whenever you want.
Speaker 3: Literally, I've learned from the best, and I basically just
Speaker 3: parrot Victoria and I say, hey, girly, I think for me,
Speaker 3: it is really and the way that I explained it
Speaker 3: to my girlfriends because everyone listening, you're basically my girlfriend.
Speaker 3: I pretty much have said. The way that I approach
Speaker 3: it with my partner and the way that I would
Speaker 3: approach it with anybody is saying It's not about saying
Speaker 3: I think you're going to take half my money. It's
Speaker 3: not because I think you're a bad person. It's because
Speaker 3: I want both of us in this relationship to be
Speaker 3: looked after, because I care about you and I care
Speaker 3: about me, and I think that these choices are best
Speaker 3: being laid out now while we care about each other.
Speaker 3: Because I think the thing that we've seen through our
Speaker 3: money diaries and through you know, just things that we've
Speaker 3: heard and seen here and there, is that when things
Speaker 3: go wrong, you're not expecting it, and it makes things
Speaker 3: harder if you're not prepared. So if I was in
Speaker 3: a relationship with my partner and I cheated on my partner,
Speaker 3: he's probably not going to be thrilled with me. So
Speaker 3: if we're then I wouldn't be thrilled with you.
Speaker 2: No, no better than that.
Speaker 3: Yeah, So then if we're trying to divide up assets,
Speaker 3: I think there's all of this animosity. There's emotion, even
Speaker 3: if there's no cheating, even if you're just breaking up
Speaker 3: because it didn't work out, there's all of these things
Speaker 3: going on that mean maybe not everybody's in the fairest
Speaker 3: kind mindset. Whereas if you have an agreement in place
Speaker 3: that you've put together. When you both love each other,
Speaker 3: when you both care about each other, when you're both
Speaker 3: worn the best for each other exactly, then I feel
Speaker 3: like you're going to have the best possible outcome. And yes,
Speaker 3: people say that they're not fully air tight in the
Speaker 3: way that maybe your prenup is in the US, like
Speaker 3: there's you know, all of these nuancewers, which again were
Speaker 3: covered in the episode. But I think that having something
Speaker 3: in place is just nice to protect everybody. Like in
Speaker 3: the same way that if I got a BFA it
Speaker 3: was would be to protect me, we would also be
Speaker 3: putting clauses in there to protect my partner as well.
Speaker 3: And so I think you go two ways one hundred percent. Like,
Speaker 3: this isn't just about me saying I think you're going
Speaker 3: to take my money and I want to make sure
Speaker 3: that you can't do that, you gold digger. It's about
Speaker 3: being like I want both of.
Speaker 2: Us to be money.
Speaker 4: I was going to say, no, we were this side
Speaker 4: of you.
Speaker 3: Yes you have at my Barbie party, That's true. I
Speaker 3: did drop it.
Speaker 2: She was like this super classy fairy and I was
Speaker 2: crumping on the desk floor. It was a lot.
Speaker 3: No, But yeah, I think just putting something in place.
Speaker 3: I mean, like, hey, it's not just about me, it's
Speaker 3: about us, and I want us to be looked after, rain,
Speaker 3: hail or shine. Do we hope that we never have
Speaker 3: to use it?
Speaker 2: Absolutely? I hope.
Speaker 3: It's the most useless piece of paper that I own. However,
Speaker 3: you don't know what you don't.
Speaker 2: Know, and it kind of sucks as someone who's spent
Speaker 2: so much on their wedding speaking from experience. Thankfully I
Speaker 2: haven't gone through a divorce yet, but the statistics are
Speaker 2: that more than half of all marriages here in Australia
Speaker 2: end up in divorce. Christ So nobody goes into a
Speaker 2: marriage with the expectation that's not going to work out.
Speaker 2: It's an expensive process with a lot of legal obligations
Speaker 2: that you don't accidentally fall into. It's not oh, we
Speaker 2: woke up and we got married in Vegas, because you
Speaker 2: actually have to register a marriage in Australia or the
Speaker 2: intention to get married. I believe it's like more than
Speaker 2: two weeks before the wedding.
Speaker 3: You can't like get drunk and just get shotgun married here.
Speaker 2: It's not a thing. No, it's a month before the
Speaker 2: wedding and you can't just get shotgun married. So it
Speaker 2: was on an accident, like you guys did this and
Speaker 2: had enough thinking time to work out whether it is
Speaker 2: a good idea or not. And so I think just
Speaker 2: sitting down and yet reiterating what you were saying, I
Speaker 2: think my way of approaching it would be flipping the narrative.
Speaker 2: I'm not going to talk about my assets because that
Speaker 2: can make me look really self absorbed really quickly. I'm
Speaker 2: actually going to say, hey, I want us and I
Speaker 2: want you to be protected. And I think that that's
Speaker 2: the best way to have a good conversation is immediately
Speaker 2: by putting yourself in their shoes. Like it does feel
Speaker 2: confrontational if I say, hey, Beck, we're getting married. I
Speaker 2: just want to make sure my stuff's protected from you,
Speaker 2: right Like that feels a bit like, oh, I didn't
Speaker 2: realize you were worried about your stuff being exposed to me.
Speaker 1: Yeah.
Speaker 2: Whereas if I approach the conversation with kindness and I say, hey, Beck,
Speaker 2: I love you with absolutely everything I have and I
Speaker 2: cannot wait to get married. But there's this podcast that
Speaker 2: I've been listening to and blame me. I want to
Speaker 2: be that person that you can just blame for anything.
Speaker 2: I don't care if you Barna doesn't like me, I
Speaker 2: really don't, so you can tell them that it's my fault. Oh,
Speaker 2: my friend Victoria told me about this really weird concept
Speaker 2: of binding financial agreement kind of makes sense. What do
Speaker 2: you you think, Like, don't just start with being aggressive.
Speaker 2: I need to protect my stuff. Start with this open,
Speaker 2: honest conversation. Like, oh, I was listening to this podcast.
Speaker 2: I hadn't really thought about it because you're kind of
Speaker 2: a long way down the track. So if you're talking
Speaker 2: about a binding financial agreement and this person is your fiance,
Speaker 2: you've already been their girlfriend or their boyfriend or their
Speaker 2: partner for a while, I'm assuming, and if this topic
Speaker 2: hasn't come up before, they might be a little bit
Speaker 2: jarred by it. So I think blaming another source or
Speaker 2: outsourcing it to become, you know, Jessin Beckham Victoria's fault.
Speaker 2: I would love to be the reason you've got a
Speaker 2: binding financial agreement in place, like, I'm all for it.
Speaker 2: Use me, but I think sitting down and having that
Speaker 2: conversation is really important. And there's two folds to it. Right, So,
Speaker 2: as you guys know, I've spoken about it before I
Speaker 2: have one with my husband. It was established when we
Speaker 2: moved in together, not when we got married. We lived
Speaker 2: together four years before we got married. But I was like,
Speaker 2: ain't no man gonna take advantage of me? I don't
Speaker 2: know if you know me well enough. But that obviously happened.
Speaker 2: But there were two conversations there. There was protecting the
Speaker 2: me that went into the relationship with my partner, and
Speaker 2: she didn't have the success and the situation that she's
Speaker 2: in today, so there was protecting that. But then there
Speaker 2: was also protecting what we were creating together. And so
Speaker 2: for me, I know, and this might be different for everybody,
Speaker 2: but I know to get where I am today and
Speaker 2: have the life I have and have the assets that
Speaker 2: we have, regardless of who put what dollar ware, it
Speaker 2: was a joint effort between my husband and I, and
Speaker 2: so that is a very different conversation if we divorced,
Speaker 2: as to you know, who owns what. The thing that
Speaker 2: was important to me was protecting my businesses because if
Speaker 2: my relationship doesn't work out, well, you guys know, I'll
Speaker 2: be even more obsessed with you, and I didn't want
Speaker 2: that to come into play. So those were the things
Speaker 2: I wanted to protect and then you know, Jess's situation
Speaker 2: is different again. She's buying a house on her and
Speaker 2: I didn't have property. When I got in a relationship
Speaker 2: with my husband, I was in debt, Like he didn't
Speaker 2: have anything. I was like, do you want it? You
Speaker 2: can have it, but your circumstance is the actual physical
Speaker 2: house which someone could contest, whereas mine was a business.
Speaker 2: It might be a car, it might be an inheritance,
Speaker 2: it might be anything, but having these literally, do you know?
Speaker 2: When I was with my ex boyfriend, we got a cat, Bailey,
Speaker 2: the love of my life. The day I got him,
Speaker 2: I was like, by the way, this is my cat. Yeah,
Speaker 2: Like I have paid one hundred percent for him. I
Speaker 2: will cover all of his costs because if we ever
Speaker 2: break up, because I think deep down I kind of
Speaker 2: knew it wasn't going to work out long term. I
Speaker 2: don't know. I didn't know at that time, Otherwise I
Speaker 2: wouldn't have been getting a pet with the person, right.
Speaker 2: I was like, this cat is mine. If we ever
Speaker 2: break up, this is my cat. It's not even a
Speaker 2: conversation I'm going to engage in. Yeah, And we broke up,
Speaker 2: and I was like, I'm glad I had that conversation Cat, let's.
Speaker 4: Go lucky lucky and now I completely agree with all
Speaker 4: of that. I would say, make sure that your partner
Speaker 4: knows that you're not planning for the demise of your relationship, really,
Speaker 4: because I think that's maybe something that your partner might
Speaker 4: think and maybe a version of me that's not as
Speaker 4: secure with the person I'm dating, I would maybe think,
Speaker 4: are you preparing for us to not last? But the
Speaker 4: reality is am I not? It might, It doesn't matter
Speaker 4: either way. Better to be safe than sorry.
Speaker 2: And better to have that conversation when you're in a
Speaker 2: good place, because if you're in a bit of an
Speaker 2: awkward position or you've just recently had an argument like
Speaker 2: now's not the time I love, like, don't bring it
Speaker 2: up then, because your partner will think that you're catastrophizing
Speaker 2: and maybe trying to protect yourself and like go down
Speaker 2: that thought pattern. Sure. I mean, if Steve cheats on me,
Speaker 2: I'm going to be taking him to the cleanness.
Speaker 3: So that's the thing that would be Lark, good luck.
Speaker 2: In your favor, yes, Spikdi. What did our community say? So?
Speaker 2: There were lots of comments, lots very similar to what
Speaker 2: Jess said, a lot of people said, go for it,
Speaker 2: just ask at an appropriate time and prepare for questions.
Speaker 2: They might not be on the same page as you.
Speaker 2: So that's a really good point bringing up that you
Speaker 2: might be so ready to have a conversation about a
Speaker 2: binding financial agreement, that does not mean that they are
Speaker 2: in the mental space for it. So I think pre
Speaker 2: planning is important. Maybe going hey, Jes, I've been listening
Speaker 2: to this podcasts. They really recommend before we get married
Speaker 2: having a binding financial agreement. Do you want to have
Speaker 2: a chat about that at some point? Do you want
Speaker 2: to go away do your own research, have a bit
Speaker 2: of a think about it. You know, I'm going to
Speaker 2: do a bit more research too, Like I'm not ready
Speaker 2: to have the conversation yet, but go a wages, have
Speaker 2: a think about it, and then you know, maybe next
Speaker 2: week over dinner we can have a chat. They've had
Speaker 2: the time to I guess absorb that do their own
Speaker 2: research instead of you bombarding them. Because arguably, if you've
Speaker 2: listened to our Binding financial Agreement episode, just listen to
Speaker 2: the conversations we've had about a state planning, you've listened
Speaker 2: to that you are so ready for that, and prepared
Speaker 2: and they might not be, so give them that grace.
Speaker 2: Someone else said, we have a separate account each and
Speaker 2: a joint one. It means that we have our own
Speaker 2: safety net and we always will. How are you planning
Speaker 2: or managing money together as you grow? What does that
Speaker 2: look like? Are you getting married and then joining finances
Speaker 2: or is everything going to stay exactly the same as
Speaker 2: it was. Maybe we could have a bigger conversation about
Speaker 2: money and life and sorting stuff out after we get married.
Speaker 2: Is anything going to change? And then the binding financial
Speaker 2: agreement could be part of that conversation. So it's just
Speaker 2: a little key part of the wider conversation about how
Speaker 2: we manage money because there's lots of things to consider.
Speaker 2: It's also like health insurance. It can be cheaper if
Speaker 2: you've got like a couple's policy.
Speaker 3: Do we share a Spotify account? Oh my gosh, No,
Speaker 3: there's all the things as zerah.
Speaker 2: No, we don't share a Spotify account because his music taste?
Speaker 2: Uh uh off my Spotify. Stop telling me I like
Speaker 2: this trash? I don't.
Speaker 4: It does suck that you can't have individual accounts sharing
Speaker 4: spot Is it right?
Speaker 3: No, that's not right. You can have different because like
Speaker 3: six people using my Spotify I can't remember, and I
Speaker 3: had no idea. I wasn't seeing their playlist. Oh okay,
Speaker 3: I see.
Speaker 2: I don't know how that worked because my playlists become
Speaker 2: all of Stave's music, and then Taylor Swift gets the
Speaker 2: yeat and that's all I want to hear, accepted, all right.
Speaker 2: Someone says these really should have been a discussion before
Speaker 2: you got engaged, not weeks before. Don't need the judgment.
Speaker 2: We don't need the judgment asking now is the best
Speaker 2: time because you've just learned about it and you're just considering.
Speaker 2: I don't think we need to be going. I should
Speaker 2: have already done that. You know what, there's a lot
Speaker 2: of things I should have already done that I've never done.
Speaker 2: You know what.
Speaker 4: They say the best time to plant a tree is
Speaker 4: one hundred years ago, yeah, or today exactly, something like that.
Speaker 2: They say it's beautiful. They also say that about investing,
Speaker 2: the best time to invest was one hundred years ago,
Speaker 2: but the second best time is today.
Speaker 4: Yes, that's the way.
Speaker 2: Know you said the exact same thing. I'm just really
Speaker 2: driving home that you were right. Thank you. Someone said
Speaker 2: I don't have a partner yet, but I've worked really
Speaker 2: hard and I will be protecting my assets. Yes, queen
Speaker 2: get a queen. Yes. Someone said she definitely should do it.
Speaker 2: If he's offended, then he has his head in the sand.
Speaker 2: You've been listening to my book. Someone said, more so
Speaker 2: for my peace of mind than what he thinks. He
Speaker 2: will take it as he can. Oh. I just feel
Speaker 2: like we just need to approach all these conversations with
Speaker 2: a lot of kindness. And someone said, after losing a
Speaker 2: lot more than twenty thousand dollars to my ex, my
Speaker 2: now partner is the one who suggested I should protect myself.
Speaker 4: Yeah, I like that's good.
Speaker 2: I love that. And someone said she should just say
Speaker 2: exactly what she said in that message. It was very kind. Yes,
Speaker 2: So there's just been a lot of I guess support.
Speaker 2: I think the most important thing is that, yes, I agree,
Speaker 2: it would have been beautiful to have this conversation before
Speaker 2: getting engaged. But you don't know when you're going to
Speaker 2: get engaged.
Speaker 1: No.
Speaker 2: I knew because my partner had a ring and he
Speaker 2: told me he had a ring, and so I was
Speaker 2: really angsty about it. But like, not everyone's partner does
Speaker 2: that for them, you know, really totally so it might
Speaker 2: have been a surprise and you hadn't had that conversation yet.
Speaker 4: Like maybe you just didn't think about it until right now.
Speaker 4: That's okay, exactly. You might be married already. Yeah, that's
Speaker 4: not too late to have that conversation. Yeah, Like I
Speaker 4: would be having that conversation irrespective of where you are
Speaker 4: in that journey of your relationship, because ultimately, it doesn't
Speaker 4: just protect you, it protects your partner.
Speaker 2: And that's the point. It's a two sided agreement. It's
Speaker 2: not just me going, hey, just sign this. It puts
Speaker 2: me in the best position if you ever leave me.
Speaker 2: Ill No, no, David, el David still David. I don't
Speaker 2: get the reference, but I like it. Shit's Creak. I
Speaker 2: gotta watch that, do you know? My first dance was
Speaker 2: simply the best version from Shit's Creek. Iconic, truly iconic,
Speaker 2: and absolutely never posted that because it was a moment
Speaker 2: for me. Oh beautiful, but you can go look that up.
Speaker 2: It was a very good song. Cool, you're welcome for
Speaker 2: the wedding song recommendation. My friend who's currently engaged to
Speaker 2: be a fiance or we engaged to be married. Exciting,
Speaker 2: all right, we will see you next week. Guys, have
Speaker 2: the best weekend. We love you all, and get your
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