1
00:00:00,680 --> 00:00:04,920
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Yr

2
00:00:04,960 --> 00:00:08,680
Speaker 1: the Order Kerney Whoalbury and a waddery woman. And before

3
00:00:08,680 --> 00:00:11,160
Speaker 1: we get started on She's on the Money podcast, I

4
00:00:11,160 --> 00:00:14,319
Speaker 1: would like to acknowledge the traditional custodians of the land

5
00:00:14,400 --> 00:00:17,680
Speaker 1: of which this podcast is recorded on a wondery country,

6
00:00:18,120 --> 00:00:22,240
Speaker 1: acknowledging the elders, the ancestors and the next generation coming

7
00:00:22,320 --> 00:00:26,960
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

8
00:00:27,080 --> 00:00:30,120
Speaker 1: and the storytelling of you to make a difference for

9
00:00:30,240 --> 00:00:32,640
Speaker 1: today and lasting impact for tomorrow.

10
00:00:33,320 --> 00:00:37,120
Speaker 2: Let's get into it. She's on the Money. She's on

11
00:00:37,159 --> 00:01:00,000
Speaker 2: the Money. Hello, and welcome to She's on the Money,

12
00:01:00,360 --> 00:01:04,560
Speaker 2: the podcast for millennials who want financial freedom. Welcome back

13
00:01:04,600 --> 00:01:06,760
Speaker 2: to another one of our money diaries where I get

14
00:01:06,760 --> 00:01:09,520
Speaker 2: the privilege of talking to one of our incredible She's

15
00:01:09,560 --> 00:01:13,479
Speaker 2: on the Money community members all about their journey. Let's

16
00:01:13,520 --> 00:01:15,880
Speaker 2: jump straight into it, because this week I got a

17
00:01:15,880 --> 00:01:18,880
Speaker 2: message that went like this, Hi Ve, I'm a Torres

18
00:01:18,920 --> 00:01:21,760
Speaker 2: Strait Islander woman who is twenty nine years old with

19
00:01:21,840 --> 00:01:24,680
Speaker 2: two kids. I was a single mum at twenty three

20
00:01:24,720 --> 00:01:27,840
Speaker 2: years old after my ex left me eight months pregnant

21
00:01:27,880 --> 00:01:30,319
Speaker 2: and I had to pay our mortgage. I'm now in

22
00:01:30,400 --> 00:01:33,560
Speaker 2: the final year of my doctor of medicine. My income

23
00:01:33,600 --> 00:01:36,600
Speaker 2: comes from scholarships and tutoring. I have a new side

24
00:01:36,640 --> 00:01:40,120
Speaker 2: hustle making med students notes that I sell on Etsy,

25
00:01:40,480 --> 00:01:43,039
Speaker 2: and I'm saving for my wedding to my beautiful five

26
00:01:43,080 --> 00:01:47,600
Speaker 2: fo fiance. Money Diarist, What how good is that you

27
00:01:47,760 --> 00:01:51,360
Speaker 2: just like sell your med notes? Yeah, yeah, your genius.

28
00:01:51,440 --> 00:01:53,800
Speaker 2: I used to do that, like, not med notes. I

29
00:01:53,880 --> 00:01:56,760
Speaker 2: never did med school like, so that would make no sense.

30
00:01:57,120 --> 00:01:59,320
Speaker 2: But I used to photocopy my notes and sell them

31
00:01:59,360 --> 00:02:01,440
Speaker 2: at UNI. What are you doing just taking this to

32
00:02:01,480 --> 00:02:03,960
Speaker 2: the fiftieth level by selling them online?

33
00:02:04,200 --> 00:02:09,000
Speaker 3: Yeah, so I use Canva. So I guess medical notes.

34
00:02:09,080 --> 00:02:11,960
Speaker 3: I guess there's a lot of similarities between a lot

35
00:02:12,000 --> 00:02:14,840
Speaker 3: of the unis and Australia and overseas and stuff where

36
00:02:14,919 --> 00:02:17,799
Speaker 3: I guess, you know, we get kind of given, you know,

37
00:02:17,919 --> 00:02:20,520
Speaker 3: information about like things we need to ask patients for

38
00:02:20,639 --> 00:02:24,040
Speaker 3: specific problems, and so usually the UNI will just give

39
00:02:24,080 --> 00:02:26,920
Speaker 3: you like a PDF. It's just like a table and

40
00:02:26,960 --> 00:02:30,480
Speaker 3: it's really just boring and ugly, not that sexy. No,

41
00:02:30,800 --> 00:02:33,520
Speaker 3: And you basically have to memorize this and then you know,

42
00:02:33,600 --> 00:02:37,440
Speaker 3: in your kind of exams, your clinical like tests and stuff,

43
00:02:37,600 --> 00:02:41,400
Speaker 3: you basically have to memorize that whole thing and ask,

44
00:02:41,760 --> 00:02:45,040
Speaker 3: you know, the patients those questions. Like, my undergrad was

45
00:02:45,040 --> 00:02:50,240
Speaker 3: in arts, so I did sociology and international studies, so

46
00:02:50,280 --> 00:02:54,000
Speaker 3: I kind of identify a little bit artsy. And yeah,

47
00:02:54,040 --> 00:02:56,920
Speaker 3: I just figured like I'm a very visual learner, and

48
00:02:57,000 --> 00:03:00,520
Speaker 3: if I was able to see these kind of like

49
00:03:01,240 --> 00:03:04,760
Speaker 3: summaries of histories and physical examinations right in front of

50
00:03:04,800 --> 00:03:08,520
Speaker 3: me that were like color coded and super pretty, like,

51
00:03:08,600 --> 00:03:10,160
Speaker 3: it would be really good for my recall.

52
00:03:10,240 --> 00:03:11,560
Speaker 2: Oh my gosh, you're a genius.

53
00:03:11,960 --> 00:03:16,560
Speaker 3: Yeah, So I started making those. I just launched last week.

54
00:03:17,040 --> 00:03:19,440
Speaker 3: I've made about one hundred dollars so far.

55
00:03:19,600 --> 00:03:20,680
Speaker 2: Oh my gosh, money weed.

56
00:03:21,040 --> 00:03:21,359
Speaker 3: Yeah.

57
00:03:21,480 --> 00:03:23,760
Speaker 2: Yeah, and it would like force you to study to

58
00:03:23,800 --> 00:03:27,040
Speaker 2: put it in the best possible format to themselves, so

59
00:03:27,120 --> 00:03:30,960
Speaker 2: you're like business making and studying at the same time.

60
00:03:31,080 --> 00:03:32,560
Speaker 2: You're an actual genius.

61
00:03:33,000 --> 00:03:35,560
Speaker 3: Yes, I use it as like a form of meditation

62
00:03:35,720 --> 00:03:37,720
Speaker 3: as well. Like I have a very full on life,

63
00:03:38,160 --> 00:03:41,320
Speaker 3: so when my partner's not here, when he's away at work,

64
00:03:41,560 --> 00:03:44,680
Speaker 3: I kind of use it as kind of like a

65
00:03:44,760 --> 00:03:47,720
Speaker 3: meditative practice. But I'm also studying at the same.

66
00:03:47,600 --> 00:03:50,840
Speaker 2: Time, I'm obsessed. A week on Etsy and you've made

67
00:03:50,840 --> 00:03:54,680
Speaker 2: a hundred bucks. That is actually really really good. That

68
00:03:54,800 --> 00:03:55,560
Speaker 2: never happens.

69
00:03:55,920 --> 00:03:58,600
Speaker 3: I know nothing about business. I know nothing about any

70
00:03:58,640 --> 00:04:00,720
Speaker 3: of that, so I'm kind of stumbling my way through.

71
00:04:00,960 --> 00:04:03,640
Speaker 2: Oh my gosh, I am obsessed with that. I feel

72
00:04:03,680 --> 00:04:06,680
Speaker 2: like that is such a good way of sharing content

73
00:04:06,760 --> 00:04:09,400
Speaker 2: as well. I love it. I can't say that any

74
00:04:09,440 --> 00:04:12,360
Speaker 2: of the notes that I wrote were that esthetic, like

75
00:04:12,440 --> 00:04:15,400
Speaker 2: they were literal photocopies, but that's okay. I had a

76
00:04:15,400 --> 00:04:18,080
Speaker 2: little loyal client base and I no longer serve them.

77
00:04:18,279 --> 00:04:22,039
Speaker 3: Yeah, yeah, well, hopefully this can be kind of like

78
00:04:22,120 --> 00:04:23,440
Speaker 3: a long term.

79
00:04:23,120 --> 00:04:26,200
Speaker 2: Yeah it's yeah, you pop it out. I feel like

80
00:04:26,279 --> 00:04:28,159
Speaker 2: it's is so underrated. Do you know how many times

81
00:04:28,160 --> 00:04:29,600
Speaker 2: I've looked at it and gone, you know, what, I

82
00:04:29,640 --> 00:04:32,600
Speaker 2: should be putting finance content on there, because our community

83
00:04:32,600 --> 00:04:36,400
Speaker 2: are always asking me for like saving hacks and templates

84
00:04:36,440 --> 00:04:39,279
Speaker 2: and whatnot, and it just makes no sense for me

85
00:04:39,440 --> 00:04:41,560
Speaker 2: at this point in my life to be making those

86
00:04:41,560 --> 00:04:43,440
Speaker 2: and sitting down and going okay, like cause I just

87
00:04:43,440 --> 00:04:46,520
Speaker 2: don't have time, Like I don't have time, and if

88
00:04:46,560 --> 00:04:48,599
Speaker 2: I pop it on the website for free, Like it

89
00:04:48,640 --> 00:04:51,080
Speaker 2: doesn't get that much traction because we don't like market

90
00:04:51,120 --> 00:04:52,760
Speaker 2: it or anything. And the amount of times I get

91
00:04:52,760 --> 00:04:54,839
Speaker 2: messages from people then I'm like, oh my god, I

92
00:04:54,839 --> 00:04:57,680
Speaker 2: didn't realize you had free budget tenplates on your website, which,

93
00:04:57,720 --> 00:05:00,400
Speaker 2: by the way, free budget templates, there are saving hacks.

94
00:05:00,400 --> 00:05:02,960
Speaker 2: There are heaps of free things on our website. But like,

95
00:05:03,000 --> 00:05:06,120
Speaker 2: we don't market it. Why would we do that. I'm silly.

96
00:05:06,160 --> 00:05:06,920
Speaker 2: I'm not good at this.

97
00:05:07,960 --> 00:05:11,320
Speaker 3: I offer my resources free to abridge Ontosure and the

98
00:05:11,400 --> 00:05:12,240
Speaker 3: medical students.

99
00:05:12,440 --> 00:05:15,080
Speaker 2: Also, you're like the most wholesome person in the entire world.

100
00:05:15,360 --> 00:05:18,280
Speaker 3: Yeah, I mean it's been difficult for me throughout med

101
00:05:18,320 --> 00:05:19,240
Speaker 3: school and so.

102
00:05:19,320 --> 00:05:22,560
Speaker 2: You know, we just want to help people in own community.

103
00:05:22,960 --> 00:05:24,600
Speaker 3: That's right, That's what it's all about. Oh love.

104
00:05:24,640 --> 00:05:26,240
Speaker 2: All right, Well, let's get into a money diary because

105
00:05:26,240 --> 00:05:28,120
Speaker 2: I want to ask you more about the financial side

106
00:05:28,120 --> 00:05:30,880
Speaker 2: of things really really soon. But let's start the way

107
00:05:30,920 --> 00:05:33,520
Speaker 2: we always start a money diary. If I asked you

108
00:05:33,560 --> 00:05:36,120
Speaker 2: to grade your habits from an A through to an F,

109
00:05:36,200 --> 00:05:37,279
Speaker 2: what do you think they would be?

110
00:05:37,720 --> 00:05:42,640
Speaker 3: So this year I would say probably like a B

111
00:05:44,040 --> 00:05:47,600
Speaker 3: compared to the rest of my life. So I feel

112
00:05:47,600 --> 00:05:50,480
Speaker 3: like I've exponentially improved in the last jilt.

113
00:05:50,680 --> 00:05:54,680
Speaker 2: So good. Oh my gosh. All right, let's get into it.

114
00:05:54,839 --> 00:05:57,440
Speaker 2: Money diarist, I want to know this is my favorite question.

115
00:05:57,839 --> 00:05:59,960
Speaker 2: Can you tell me a little bit more about your

116
00:06:00,080 --> 00:06:00,839
Speaker 2: money story.

117
00:06:01,120 --> 00:06:03,640
Speaker 3: Yeah. So I am a Torres Strait Allander woman. I

118
00:06:03,720 --> 00:06:07,240
Speaker 3: grew up in Darwin. Both my parents, one of them

119
00:06:07,240 --> 00:06:10,400
Speaker 3: finished high school, the other one didn't. I guess they

120
00:06:10,400 --> 00:06:12,200
Speaker 3: were kind of told like they need to get a

121
00:06:12,279 --> 00:06:16,279
Speaker 3: job as soon as possible to kind of, you know,

122
00:06:16,520 --> 00:06:18,920
Speaker 3: make a family, things like that, and so my parents

123
00:06:19,000 --> 00:06:21,160
Speaker 3: kind of didn't go to university. A lot of people

124
00:06:21,200 --> 00:06:24,720
Speaker 3: in my family didn't go to university. I guess we

125
00:06:24,720 --> 00:06:27,000
Speaker 3: were all kind of just told, like, just get a

126
00:06:27,080 --> 00:06:30,080
Speaker 3: job in the government. You'll be safe, you'll have a

127
00:06:30,120 --> 00:06:33,400
Speaker 3: solid income, and everything will be you know, everything will

128
00:06:33,440 --> 00:06:34,880
Speaker 3: be great. You'll be set up for the rest of

129
00:06:34,880 --> 00:06:39,760
Speaker 3: your life. However, that kind of changed a little bit

130
00:06:39,839 --> 00:06:42,719
Speaker 3: when I was quite young. My dad got diagnosed with

131
00:06:42,760 --> 00:06:46,440
Speaker 3: like a very severe psychological illness which put him out

132
00:06:46,480 --> 00:06:49,880
Speaker 3: of the workforce, so he could no longer work and

133
00:06:50,000 --> 00:06:53,320
Speaker 3: was on a disability pension. And my mum kind of

134
00:06:53,520 --> 00:06:56,600
Speaker 3: was like the main breadwinner. She worked like two or

135
00:06:56,640 --> 00:07:00,400
Speaker 3: three jobs, which it was insane. Yeah, Like I think

136
00:07:00,440 --> 00:07:02,160
Speaker 3: about it now and I'm just like, what on earth

137
00:07:02,160 --> 00:07:03,560
Speaker 3: are you? Like, what were you doing?

138
00:07:03,839 --> 00:07:05,839
Speaker 2: I'm not not to spoil the story, but now that

139
00:07:05,920 --> 00:07:08,920
Speaker 2: you're a mum, do you now go, Mum, what the hell?

140
00:07:09,440 --> 00:07:09,680
Speaker 3: Yeah?

141
00:07:10,360 --> 00:07:12,160
Speaker 2: Yeah, like how did you balance this?

142
00:07:12,920 --> 00:07:16,360
Speaker 3: Yeah? And you know, the reality was was that she didn't,

143
00:07:16,680 --> 00:07:20,480
Speaker 3: you know, like it was very difficult and so yeah,

144
00:07:20,520 --> 00:07:24,240
Speaker 3: like she kind of was doing so many things. So

145
00:07:24,400 --> 00:07:27,720
Speaker 3: it was kind of like this parallel where she was

146
00:07:27,760 --> 00:07:31,640
Speaker 3: super super tight with money and my dad was kind

147
00:07:31,640 --> 00:07:35,040
Speaker 3: of a little bit like I wasn't sure if he

148
00:07:35,120 --> 00:07:37,720
Speaker 3: ever contributed to the bills or anything like that with

149
00:07:37,760 --> 00:07:40,600
Speaker 3: his pension, but he was the kind of one where

150
00:07:40,640 --> 00:07:43,560
Speaker 3: like if we wanted like a Maca's ice cream or

151
00:07:43,600 --> 00:07:45,440
Speaker 3: something like, he would buy it for us, you know.

152
00:07:46,120 --> 00:07:49,280
Speaker 3: Or you know, if we wanted to go to the

153
00:07:49,320 --> 00:07:51,360
Speaker 3: movies or something, you know, he would buy it for us.

154
00:07:51,480 --> 00:07:54,920
Speaker 3: So I kind of grew up with those two parallels,

155
00:07:55,160 --> 00:07:59,800
Speaker 3: and I was, I guess, kind of encouraged to start

156
00:08:00,200 --> 00:08:02,720
Speaker 3: work early. So I started working at a part time

157
00:08:02,760 --> 00:08:04,680
Speaker 3: job when I was twelve years old, which is like,

158
00:08:04,800 --> 00:08:07,200
Speaker 3: you know, back then, I don't think there were any

159
00:08:07,280 --> 00:08:09,640
Speaker 3: laws about how old you could be when you worked.

160
00:08:09,680 --> 00:08:10,560
Speaker 3: So I was twelve.

161
00:08:10,840 --> 00:08:14,080
Speaker 2: You look very young. You're only twenty nine. So no,

162
00:08:14,160 --> 00:08:16,880
Speaker 2: they're definitely laws. But I'm going to make some grand

163
00:08:16,920 --> 00:08:19,760
Speaker 2: assumptions here, my friend, you paid in cash, weren't you?

164
00:08:19,800 --> 00:08:22,160
Speaker 3: No, I wasn't. It was all yeah, it was all

165
00:08:22,200 --> 00:08:27,160
Speaker 3: on the books. I was paid super yeah, twelve. Yeah,

166
00:08:27,160 --> 00:08:27,960
Speaker 3: I'm impressed.

167
00:08:28,360 --> 00:08:30,120
Speaker 2: Honestly, I'm very impressed.

168
00:08:30,480 --> 00:08:32,880
Speaker 3: Yeah, So I don't know if they're Yeah. So anyway,

169
00:08:32,920 --> 00:08:35,560
Speaker 3: that was and I got like six dollars fifty an

170
00:08:35,600 --> 00:08:38,720
Speaker 3: hour or something. So I started working when I was twelve,

171
00:08:39,000 --> 00:08:41,320
Speaker 3: in like part time jobs, and I guess kind of

172
00:08:42,040 --> 00:08:43,880
Speaker 3: growing up, you know, we didn't have a lot, Like

173
00:08:44,480 --> 00:08:47,480
Speaker 3: my parents had to default on their home loan, so

174
00:08:47,880 --> 00:08:51,320
Speaker 3: we you know, we're just moving rentals every year, and

175
00:08:51,440 --> 00:08:55,320
Speaker 3: so you know, we got the bare minimum, and you know,

176
00:08:55,640 --> 00:08:58,720
Speaker 3: we got food on the table, and there wasn't really

177
00:08:58,800 --> 00:09:04,080
Speaker 3: kind of anything that I didn't get. So there wasn't

178
00:09:04,120 --> 00:09:08,200
Speaker 3: like this energy, like the vibe that I you know,

179
00:09:08,480 --> 00:09:11,360
Speaker 3: was poor or anything like that, but it was just

180
00:09:11,440 --> 00:09:13,880
Speaker 3: kind of like, oh, we just don't spend the money

181
00:09:13,960 --> 00:09:16,560
Speaker 3: on a lot of things, right, So when I started working,

182
00:09:16,600 --> 00:09:18,920
Speaker 3: I was like, oh my god, I'm so rich, Like

183
00:09:18,960 --> 00:09:21,720
Speaker 3: I have all this money. And the only thing I

184
00:09:21,720 --> 00:09:23,800
Speaker 3: guess that was told to me from my mom. She

185
00:09:23,840 --> 00:09:25,720
Speaker 3: had to be very strict with her money. It was

186
00:09:25,760 --> 00:09:27,880
Speaker 3: just like, you just need to save your money. Like

187
00:09:27,960 --> 00:09:31,520
Speaker 3: that was kind of the extent of my financial education.

188
00:09:31,880 --> 00:09:32,560
Speaker 2: Yeah, what do I do?

189
00:09:32,640 --> 00:09:32,800
Speaker 1: Mom?

190
00:09:32,960 --> 00:09:34,559
Speaker 2: Yep, just say that You'll be fine.

191
00:09:34,720 --> 00:09:37,360
Speaker 3: Yeah, And so what did I do? I spent all

192
00:09:37,400 --> 00:09:37,600
Speaker 3: of it.

193
00:09:37,800 --> 00:09:38,040
Speaker 1: Yeah.

194
00:09:38,400 --> 00:09:41,520
Speaker 2: Yeah, you come across as someone who I can relate to.

195
00:09:41,840 --> 00:09:43,880
Speaker 2: My dad also told me to save all my money,

196
00:09:43,880 --> 00:09:47,960
Speaker 2: but I didn't listen. No, I'm much smarter than an accountant.

197
00:09:48,000 --> 00:09:50,679
Speaker 2: When I was fourteen years old and nine months.

198
00:09:50,440 --> 00:09:53,480
Speaker 3: Yeah, well like yeah, like I kind of you know,

199
00:09:54,000 --> 00:09:57,960
Speaker 3: like there were these like cool like custom shoes that

200
00:09:58,040 --> 00:10:00,360
Speaker 3: were at City Beach that were like super pop. There

201
00:10:00,360 --> 00:10:03,080
Speaker 3: were like eighty bucks, which is just ridiculous for that time,

202
00:10:03,240 --> 00:10:06,480
Speaker 3: like when I was that age. Yeah, like my parents

203
00:10:06,480 --> 00:10:09,040
Speaker 3: could not afford that, and so I was just like,

204
00:10:09,240 --> 00:10:13,199
Speaker 3: you know, earning maybe one hundred dollars of week or

205
00:10:13,240 --> 00:10:15,559
Speaker 3: a fortnight or something, and then like straight away I'll

206
00:10:15,600 --> 00:10:17,680
Speaker 3: be like I'm getting these new shoes, I'm getting this,

207
00:10:17,840 --> 00:10:20,760
Speaker 3: I'm getting that, and I didn't save any of.

208
00:10:20,720 --> 00:10:23,800
Speaker 2: It, and then absolutely not any context, Like it makes

209
00:10:24,360 --> 00:10:27,640
Speaker 2: no sense. Like looking back, you're like, eighty dollars, Like

210
00:10:27,720 --> 00:10:30,440
Speaker 2: that is so much money when you're earning six dollars

211
00:10:30,440 --> 00:10:33,120
Speaker 2: fifty an hour, Like if you do some quick colts,

212
00:10:33,280 --> 00:10:37,079
Speaker 2: that's twelve hours of work that you did for a

213
00:10:37,160 --> 00:10:39,920
Speaker 2: pair of shoes. Yeah, but at the time they were

214
00:10:39,960 --> 00:10:41,160
Speaker 2: real cool shoes, weren't they.

215
00:10:41,320 --> 00:10:43,920
Speaker 3: Yeah they were. Like even now at twenty nine years old,

216
00:10:43,920 --> 00:10:46,200
Speaker 3: I'm like, would I pay eighty dollars for shoes? Like

217
00:10:46,320 --> 00:10:49,960
Speaker 3: maybe maybe not, But that was just really interesting. And

218
00:10:50,000 --> 00:10:52,640
Speaker 3: then I guess kind of, you know, I kind of

219
00:10:52,679 --> 00:10:55,520
Speaker 3: went through a few different part time jobs, like various

220
00:10:55,600 --> 00:11:01,240
Speaker 3: kind of retail outlets, which was great. And afterwards, at sixteen,

221
00:11:01,320 --> 00:11:05,600
Speaker 3: my my dad passed away, and so that was kind

222
00:11:05,640 --> 00:11:09,960
Speaker 3: of like a very difficult time for a teenager and

223
00:11:10,040 --> 00:11:12,320
Speaker 3: for you know, my mum, who was like the sole

224
00:11:12,360 --> 00:11:16,200
Speaker 3: supporter of our family. My dad, I guess, you know,

225
00:11:16,320 --> 00:11:20,720
Speaker 3: he didn't really have any insurances or anything like that,

226
00:11:20,840 --> 00:11:23,000
Speaker 3: so we kind of had to rely on family to

227
00:11:23,960 --> 00:11:27,480
Speaker 3: try and support us financially for a little bit and

228
00:11:27,520 --> 00:11:30,280
Speaker 3: to support like the funeral costs and all these things.

229
00:11:30,840 --> 00:11:32,520
Speaker 3: And I guess at the time, I was just kind

230
00:11:32,520 --> 00:11:35,480
Speaker 3: of like, oh, you know, that sucks, you know, But

231
00:11:35,679 --> 00:11:37,760
Speaker 3: now I'm like, oh, you know, I wish he kind

232
00:11:37,760 --> 00:11:40,080
Speaker 3: of knew a little bit more about that, you know.

233
00:11:40,640 --> 00:11:44,800
Speaker 3: And then, yeah, I guess around that time it was

234
00:11:44,840 --> 00:11:47,240
Speaker 3: the first time that I was broken up with.

235
00:11:47,880 --> 00:11:49,960
Speaker 2: Well, so you were heartbroken as well.

236
00:11:50,080 --> 00:11:53,720
Speaker 3: I was absolutely heartbroken by my boyfriend of like, I

237
00:11:53,720 --> 00:11:55,000
Speaker 3: don't know, three months.

238
00:11:55,000 --> 00:11:56,920
Speaker 2: Yeah, because you're in love after three months.

239
00:11:57,240 --> 00:12:00,880
Speaker 3: Yeah, I distinctively remember to this day just being so

240
00:12:01,240 --> 00:12:04,120
Speaker 3: like heartbroken and like not knowing what to do with myself.

241
00:12:04,160 --> 00:12:06,040
Speaker 3: So I just kind of went to my bank. You know,

242
00:12:06,120 --> 00:12:07,800
Speaker 3: back then internet banking didn't exist.

243
00:12:07,880 --> 00:12:09,640
Speaker 2: Yeah, of course you have to go down to the bank.

244
00:12:09,720 --> 00:12:11,840
Speaker 3: Yeah. I went to my bank and I took out

245
00:12:11,880 --> 00:12:14,480
Speaker 3: like two hundred dollars, which was like my entirety of

246
00:12:14,520 --> 00:12:17,480
Speaker 3: my savings, and I just shopped until I dropped.

247
00:12:17,679 --> 00:12:20,120
Speaker 2: Oh my god, emotional spending.

248
00:12:20,559 --> 00:12:24,040
Speaker 3: That's been my life until like two or three years ago.

249
00:12:24,480 --> 00:12:25,960
Speaker 2: Oh we just kept that up, did we?

250
00:12:26,400 --> 00:12:27,000
Speaker 3: Yeah? We did?

251
00:12:27,120 --> 00:12:27,520
Speaker 2: Oh? Good?

252
00:12:27,600 --> 00:12:27,840
Speaker 3: Yeah?

253
00:12:27,880 --> 00:12:28,000
Speaker 1: Good?

254
00:12:28,080 --> 00:12:30,680
Speaker 2: Yeah. At least did you enjoy it? Did you get

255
00:12:30,679 --> 00:12:31,680
Speaker 2: some more good shoes?

256
00:12:31,920 --> 00:12:34,080
Speaker 3: I mean at the time, yeah, it was great fun.

257
00:12:34,160 --> 00:12:36,640
Speaker 2: We've just got to live and learn through these things. Honestly,

258
00:12:36,760 --> 00:12:40,040
Speaker 2: there's no point holding any shame about parts of our

259
00:12:40,120 --> 00:12:43,200
Speaker 2: money story because what does that do for us? Literally nothing?

260
00:12:43,520 --> 00:12:46,559
Speaker 3: Yeah, exactly. I feel like I went through like trial

261
00:12:46,600 --> 00:12:48,880
Speaker 3: by fire though when it came to my finances.

262
00:12:49,240 --> 00:12:49,680
Speaker 1: Yeah.

263
00:12:49,679 --> 00:12:50,199
Speaker 2: Wow.

264
00:12:50,320 --> 00:12:53,920
Speaker 3: And then I kind of, you know, after losing my dad,

265
00:12:54,440 --> 00:12:57,760
Speaker 3: I transferred to a new school and I kind of

266
00:12:57,840 --> 00:12:59,600
Speaker 3: I want a scholarship to go there. It was one

267
00:12:59,600 --> 00:13:02,280
Speaker 3: of the best private schools in Duhwin, and so I

268
00:13:02,320 --> 00:13:05,800
Speaker 3: went there, and you know, I just decided that even

269
00:13:05,840 --> 00:13:08,200
Speaker 3: though I was a good student, that I was just

270
00:13:08,360 --> 00:13:14,319
Speaker 3: not gonna, you know, be that involved in class and

271
00:13:14,800 --> 00:13:18,400
Speaker 3: things like that. And I kind of like, you know,

272
00:13:18,679 --> 00:13:22,840
Speaker 3: decided that, like by then, I had my car and

273
00:13:22,880 --> 00:13:25,840
Speaker 3: my pea plates, you know, because in dah And back

274
00:13:25,880 --> 00:13:27,760
Speaker 3: then you could get it at like sixteen years and

275
00:13:27,840 --> 00:13:29,640
Speaker 3: six months you could get your pea plates.

276
00:13:29,760 --> 00:13:32,160
Speaker 2: Oh my gosh. Really I had to wait till eighteen.

277
00:13:32,320 --> 00:13:35,080
Speaker 2: Down in Victoria, they were very strict on there. So

278
00:13:35,080 --> 00:13:36,480
Speaker 2: I used to think it was a joke, but that

279
00:13:36,600 --> 00:13:37,440
Speaker 2: is okay.

280
00:13:37,520 --> 00:13:40,320
Speaker 3: Yeah, it's definitely what I see now in the hospital.

281
00:13:40,360 --> 00:13:42,000
Speaker 3: It's definitely appropriate.

282
00:13:42,120 --> 00:13:43,560
Speaker 2: I was about to say it's a good idea.

283
00:13:43,840 --> 00:13:46,400
Speaker 3: Yeah, So I kind of just rocked after school whenever

284
00:13:46,440 --> 00:13:48,520
Speaker 3: I felt like it. A lot of my friends had

285
00:13:48,520 --> 00:13:51,680
Speaker 3: already dropped out to do kind of like apprenticeships or

286
00:13:51,760 --> 00:13:54,839
Speaker 3: go work in government, and I was very close to

287
00:13:54,920 --> 00:13:57,040
Speaker 3: doing that as well, but I can't remember why. I

288
00:13:57,080 --> 00:13:59,720
Speaker 3: just decided that I wasn't going to do it. And then,

289
00:14:00,240 --> 00:14:02,520
Speaker 3: you know, one day I kind of just you know,

290
00:14:02,640 --> 00:14:04,000
Speaker 3: walked out of class and I was like, I don't

291
00:14:04,040 --> 00:14:06,080
Speaker 3: like this school. I don't like that one anymore, Like

292
00:14:06,120 --> 00:14:08,080
Speaker 3: it was just getting a bit too much for me,

293
00:14:09,080 --> 00:14:10,480
Speaker 3: and so I just decided I was going to go

294
00:14:10,520 --> 00:14:11,240
Speaker 3: to boarding school.

295
00:14:11,480 --> 00:14:12,840
Speaker 2: You're going to boarding school?

296
00:14:13,160 --> 00:14:13,880
Speaker 3: Yeah? Yeah?

297
00:14:13,920 --> 00:14:16,520
Speaker 2: With who's money? Who was who was funding that one?

298
00:14:16,640 --> 00:14:19,600
Speaker 3: Yeah exactly, No one's no one, No one could fund

299
00:14:19,640 --> 00:14:22,920
Speaker 3: it for me. So I kind of just I found

300
00:14:23,080 --> 00:14:26,200
Speaker 3: some boarding schools down South that looked good. I kind

301
00:14:26,200 --> 00:14:28,920
Speaker 3: of just typed in like boarding schools South Australia, and

302
00:14:28,960 --> 00:14:30,800
Speaker 3: then the first one I just called up and I

303
00:14:30,840 --> 00:14:33,880
Speaker 3: was like, Hey, I'm like keen to come to your school, like,

304
00:14:34,040 --> 00:14:35,440
Speaker 3: you know, can I talk to your principal?

305
00:14:35,720 --> 00:14:38,160
Speaker 2: Like they's just free straight to the top, babe.

306
00:14:38,200 --> 00:14:40,040
Speaker 3: I was seventeen. I just there was no fear. I

307
00:14:40,080 --> 00:14:41,600
Speaker 3: was just like, can I just have chat?

308
00:14:41,680 --> 00:14:43,320
Speaker 2: And they allowed that and they were like, oh, yeah,

309
00:14:43,360 --> 00:14:46,320
Speaker 2: he's free. Let's like let's just yeah quick, like, oh

310
00:14:46,360 --> 00:14:48,920
Speaker 2: he's free, yeah, okay, and then what happened? You've got

311
00:14:48,960 --> 00:14:51,000
Speaker 2: to tell the whole story here my friend.

312
00:14:51,240 --> 00:14:53,400
Speaker 3: Yeah, and then I kind of just like spoke to him.

313
00:14:53,400 --> 00:14:56,080
Speaker 3: I was like, oh, hey, like I'm year eleven student

314
00:14:56,160 --> 00:14:59,320
Speaker 3: in Darwin, Like I really want to attend your boarding

315
00:14:59,360 --> 00:15:02,640
Speaker 3: school down South, Like I really at the time, I

316
00:15:02,680 --> 00:15:05,160
Speaker 3: wanted to be a lawyer. I was doing legal studies.

317
00:15:05,200 --> 00:15:07,280
Speaker 3: I really enjoyed it. And I was like, you know,

318
00:15:07,480 --> 00:15:09,560
Speaker 3: I just don't think that if I stay here, I'm

319
00:15:09,560 --> 00:15:11,960
Speaker 3: going to get the grades that I want to be

320
00:15:12,040 --> 00:15:15,880
Speaker 3: able to get into law. And he was like okay.

321
00:15:15,960 --> 00:15:18,760
Speaker 3: And then it just so happened that, like you know,

322
00:15:18,920 --> 00:15:20,960
Speaker 3: a lot of the boarding schools down South they go

323
00:15:21,120 --> 00:15:23,280
Speaker 3: to kind of like rule remote areas to try and

324
00:15:23,720 --> 00:15:27,480
Speaker 3: like get interest in boarding and things like that, and

325
00:15:27,520 --> 00:15:30,040
Speaker 3: so he was like, oh, we're actually coming up to

326
00:15:30,160 --> 00:15:32,640
Speaker 3: Darwin like next week, Like why do we? I was

327
00:15:32,680 --> 00:15:34,840
Speaker 3: like sweet, And then we kind of went through the interview,

328
00:15:35,640 --> 00:15:38,400
Speaker 3: you know, he was like, you know, like why do

329
00:15:38,440 --> 00:15:39,680
Speaker 3: you want to be a lawyer, why do you want

330
00:15:39,680 --> 00:15:42,000
Speaker 3: to come down south? Blah blah blah. And you know,

331
00:15:42,120 --> 00:15:43,920
Speaker 3: I was just like a very good talker, which is

332
00:15:43,960 --> 00:15:46,640
Speaker 3: why I wanted to be a lawyer. And he was like, well,

333
00:15:46,640 --> 00:15:48,200
Speaker 3: we'd love to have you at our school. And I

334
00:15:48,200 --> 00:15:51,800
Speaker 3: was like, so, my mom is a single mom. She

335
00:15:51,920 --> 00:15:57,000
Speaker 3: can't afford it. She's on like fifty k year Yeah. Wow,

336
00:15:57,200 --> 00:15:59,680
Speaker 3: Like she just can't afford your like forty k year

337
00:15:59,720 --> 00:16:02,080
Speaker 3: feet Yeah, that's not going to happen. Yeah. And he

338
00:16:02,240 --> 00:16:04,520
Speaker 3: was like, oh, look like leave it with me and

339
00:16:04,560 --> 00:16:05,960
Speaker 3: I'll like get back to you. This was like a

340
00:16:05,960 --> 00:16:08,920
Speaker 3: couple of months before the next school year started, and

341
00:16:08,960 --> 00:16:11,400
Speaker 3: then he kind of like called my mom up the

342
00:16:11,440 --> 00:16:13,080
Speaker 3: following week and he was like, oh, hey, like I

343
00:16:13,200 --> 00:16:17,680
Speaker 3: found like one of our previous students or like I'm

344
00:16:17,680 --> 00:16:20,280
Speaker 3: an old scholar, like has their own scholarship fund and

345
00:16:20,320 --> 00:16:23,640
Speaker 3: they'd be really happy to like pay for her to

346
00:16:23,680 --> 00:16:26,760
Speaker 3: come down and study for a year twelve what and

347
00:16:26,800 --> 00:16:28,160
Speaker 3: like pay for boarding as well.

348
00:16:28,600 --> 00:16:30,040
Speaker 2: And then it all just happened.

349
00:16:30,560 --> 00:16:32,160
Speaker 3: Yeah, So it was just amazing.

350
00:16:32,280 --> 00:16:34,680
Speaker 2: Baby. You was like, what do you mean that private

351
00:16:34,720 --> 00:16:37,880
Speaker 2: schools are restrictive? I'll be going to one. I actually,

352
00:16:37,880 --> 00:16:40,600
Speaker 2: you know what, I'll just pick one. Whichever one I want,

353
00:16:40,640 --> 00:16:41,440
Speaker 2: we'll be going there.

354
00:16:41,680 --> 00:16:43,640
Speaker 3: I actually picked this one because it was the first

355
00:16:43,640 --> 00:16:45,760
Speaker 3: co ed school on the list, So.

356
00:16:45,880 --> 00:16:49,040
Speaker 2: Oh well, yeah, were they're boys there. Obviously you don't

357
00:16:49,040 --> 00:16:50,760
Speaker 2: want to just go to an all girls school if

358
00:16:50,800 --> 00:16:52,040
Speaker 2: you're planning your own life.

359
00:16:51,920 --> 00:16:54,720
Speaker 3: Out right, No, So I was like, you know, I

360
00:16:54,760 --> 00:16:56,240
Speaker 3: gotta keep my options open.

361
00:16:56,480 --> 00:17:00,120
Speaker 2: And she's a genius. Yeah, the devil works hard, but

362
00:17:00,160 --> 00:17:02,480
Speaker 2: this money darist, she works harder. Guys.

363
00:17:04,080 --> 00:17:07,600
Speaker 3: Yeah, but I absolutely loved it, Like it was just

364
00:17:07,880 --> 00:17:11,040
Speaker 3: I came down, I was getting really good grades. You know,

365
00:17:11,080 --> 00:17:13,639
Speaker 3: the teachers were super supportive. I had a lot of

366
00:17:13,960 --> 00:17:18,119
Speaker 3: tutoring support that the boarding house provided to me, and

367
00:17:18,160 --> 00:17:21,280
Speaker 3: it just was just such a change from being you know,

368
00:17:21,320 --> 00:17:23,680
Speaker 3: in a rural place and coming to a different kind

369
00:17:23,680 --> 00:17:27,600
Speaker 3: of environment where you know, I guess they were just

370
00:17:27,720 --> 00:17:31,440
Speaker 3: so encouraging and like, yeah, you can do it, and

371
00:17:31,720 --> 00:17:34,879
Speaker 3: you know, I just hadn't really experienced that before, and

372
00:17:35,000 --> 00:17:38,119
Speaker 3: so you know, I really really enjoyed it. And I

373
00:17:38,160 --> 00:17:40,760
Speaker 3: can't speak like highly enough of that school, Like it

374
00:17:40,880 --> 00:17:45,240
Speaker 3: was just amazing. And so yeah, after that, I decided

375
00:17:45,280 --> 00:17:48,800
Speaker 3: to stay you know, down south for UNI because I

376
00:17:48,800 --> 00:17:51,880
Speaker 3: wanted to go to UNI. I did start doing law,

377
00:17:52,200 --> 00:17:55,119
Speaker 3: Like I managed to get like a cadet ship, so

378
00:17:55,160 --> 00:17:57,160
Speaker 3: I was able to do like a couple of days

379
00:17:57,160 --> 00:17:59,440
Speaker 3: in a law firm and the rest of the days

380
00:17:59,480 --> 00:18:04,480
Speaker 3: at UNI. And so I guess throughout that time, I

381
00:18:04,520 --> 00:18:07,159
Speaker 3: started like coming into a lot of money. Like for

382
00:18:07,280 --> 00:18:08,840
Speaker 3: at that time, it was a lot of money for me.

383
00:18:09,000 --> 00:18:12,840
Speaker 3: So I guess I was getting maybe around five hundred

384
00:18:12,880 --> 00:18:15,560
Speaker 3: dollars a week, which was like quite a lot.

385
00:18:15,640 --> 00:18:18,840
Speaker 2: That's a lot of money, especially with the background that

386
00:18:18,880 --> 00:18:21,960
Speaker 2: you had come from, and you know, the income that

387
00:18:22,000 --> 00:18:25,760
Speaker 2: you were historically earning just individually as a young teenager.

388
00:18:25,920 --> 00:18:28,359
Speaker 2: Like that's I feel like some people would look at

389
00:18:28,359 --> 00:18:30,560
Speaker 2: that and go, oh, well, that's not that much money.

390
00:18:31,119 --> 00:18:33,360
Speaker 2: That's so much money, I think for.

391
00:18:33,320 --> 00:18:35,920
Speaker 3: An eighteen year old, which was like how I was

392
00:18:36,440 --> 00:18:40,920
Speaker 3: at the time. And I also applied for a scholarship

393
00:18:40,960 --> 00:18:45,760
Speaker 3: to get my accommodation like paid for, so I was

394
00:18:45,840 --> 00:18:49,040
Speaker 3: kind of living in and it was like a university college,

395
00:18:49,840 --> 00:18:53,879
Speaker 3: and so I had pretty much free accommodation. But you

396
00:18:53,880 --> 00:18:56,000
Speaker 3: know a lot of the students there, you know, they

397
00:18:56,000 --> 00:18:58,639
Speaker 3: were just really focused on having fun and all of

398
00:18:58,680 --> 00:19:00,800
Speaker 3: that stuff. And I kind of had to work like

399
00:19:00,880 --> 00:19:03,760
Speaker 3: two days a week in an office, and like, I

400
00:19:03,840 --> 00:19:06,960
Speaker 3: just wasn't really vibing the place. And so I decided

401
00:19:07,000 --> 00:19:09,840
Speaker 3: to move out after my year had ended and my

402
00:19:10,200 --> 00:19:11,840
Speaker 3: family moved down from Darwin.

403
00:19:12,040 --> 00:19:13,400
Speaker 2: Oh really, so I.

404
00:19:13,400 --> 00:19:15,440
Speaker 3: Was living with them for a while, which was great,

405
00:19:15,720 --> 00:19:18,040
Speaker 3: And then my sister went to the same boarding school,

406
00:19:18,119 --> 00:19:22,160
Speaker 3: so you know, she was able to have that same experience,

407
00:19:22,200 --> 00:19:22,959
Speaker 3: which was lovely.

408
00:19:23,320 --> 00:19:24,520
Speaker 2: How beautiful is that?

409
00:19:25,080 --> 00:19:25,399
Speaker 3: Yeah?

410
00:19:25,520 --> 00:19:28,440
Speaker 2: Or because you decided to just call the first person

411
00:19:28,480 --> 00:19:29,479
Speaker 2: that came up on Google?

412
00:19:29,760 --> 00:19:30,520
Speaker 3: Yeah? Literally?

413
00:19:30,600 --> 00:19:34,159
Speaker 2: How good is that? And you've kind of like obviously

414
00:19:34,359 --> 00:19:37,200
Speaker 2: you had worked out at that age you were seventeen.

415
00:19:37,280 --> 00:19:39,679
Speaker 2: You're like, look, my trajectory isn't going to work out

416
00:19:39,720 --> 00:19:42,520
Speaker 2: the way I want to. I need this level of support.

417
00:19:42,800 --> 00:19:45,560
Speaker 2: You've not only changed the trajectory of your life, but

418
00:19:45,600 --> 00:19:48,960
Speaker 2: also your sister's life in making that decision. Isn't that wild?

419
00:19:49,440 --> 00:19:51,359
Speaker 3: Yeah? And she's doing very well now?

420
00:19:51,560 --> 00:19:52,080
Speaker 2: Or does she do?

421
00:19:52,240 --> 00:19:56,879
Speaker 3: Tell us? So she's a final year neuroscience shootent would yeah,

422
00:19:57,600 --> 00:20:00,320
Speaker 3: but I'm trying to get her on the podcast because me,

423
00:20:00,640 --> 00:20:03,440
Speaker 3: you know, she's having a little bit of problems with money,

424
00:20:03,600 --> 00:20:06,080
Speaker 3: like in terms of budgeting and stuff, so I'm helping

425
00:20:06,080 --> 00:20:07,400
Speaker 3: her out a little bit as well.

426
00:20:07,520 --> 00:20:10,760
Speaker 2: So, oh my gosh, you're finishing your doctor of medicine.

427
00:20:10,880 --> 00:20:14,520
Speaker 2: She's doing Europe what like that is so crazy?

428
00:20:14,640 --> 00:20:17,800
Speaker 3: And my brother is also a lawyer. What Yeah, I

429
00:20:17,840 --> 00:20:18,680
Speaker 3: have a brother as well.

430
00:20:18,760 --> 00:20:21,680
Speaker 2: Yeah, the brother who's a lawyer. You have, Yeah, two

431
00:20:21,720 --> 00:20:23,640
Speaker 2: basically doctors in the family.

432
00:20:24,160 --> 00:20:24,480
Speaker 3: Yeah.

433
00:20:24,520 --> 00:20:26,720
Speaker 2: What does your mum think of all of this? Is

434
00:20:26,720 --> 00:20:28,919
Speaker 2: she the most proud woman in the entire world?

435
00:20:29,400 --> 00:20:30,280
Speaker 3: She is? Yeah?

436
00:20:30,400 --> 00:20:32,760
Speaker 2: Oh my god, I would be too, Like, my heart

437
00:20:32,880 --> 00:20:35,800
Speaker 2: is so happy hearing this story. Imagine how proud your

438
00:20:35,840 --> 00:20:38,320
Speaker 2: dad would be of you. I know, Oh my god,

439
00:20:38,520 --> 00:20:40,600
Speaker 2: he would be over the moon. I bet he wouldn't

440
00:20:40,600 --> 00:20:41,400
Speaker 2: even believe it.

441
00:20:41,760 --> 00:20:45,480
Speaker 3: Yeah, he would be. Yeah, Like I often have like

442
00:20:45,520 --> 00:20:48,199
Speaker 3: a psychic that I talked to, and she kind of

443
00:20:48,240 --> 00:20:51,639
Speaker 3: connects with my dad, and you know, he does verbalize

444
00:20:51,640 --> 00:20:53,240
Speaker 3: that like, you know, be a part of you. I

445
00:20:53,240 --> 00:20:56,000
Speaker 3: can't believe that you're a doctor, like all these things,

446
00:20:56,119 --> 00:20:58,000
Speaker 3: And that gave me goosebumps.

447
00:20:58,080 --> 00:21:00,520
Speaker 2: I feel like it's so nice to know. And I

448
00:21:00,640 --> 00:21:02,440
Speaker 2: know that so many people are going to be skeptical

449
00:21:02,440 --> 00:21:04,480
Speaker 2: of things like that, but it's just even if you

450
00:21:04,520 --> 00:21:07,080
Speaker 2: don't believe in it, and I do. But even if

451
00:21:07,119 --> 00:21:10,080
Speaker 2: you don't, isn't it beautiful that someone's found a way

452
00:21:10,160 --> 00:21:14,399
Speaker 2: to deal with grief and loss and change and feel

453
00:21:14,440 --> 00:21:17,159
Speaker 2: connected to a person in a way that without it

454
00:21:17,160 --> 00:21:20,159
Speaker 2: you wouldn't be able to. Like It's just ye, I

455
00:21:20,160 --> 00:21:22,840
Speaker 2: don't care what people think, because I definitely am of it.

456
00:21:22,880 --> 00:21:26,040
Speaker 2: I actually spoke to This is crazy. I spoke to

457
00:21:26,080 --> 00:21:30,800
Speaker 2: a psychic before I got pregnant both times, so I

458
00:21:30,840 --> 00:21:34,440
Speaker 2: don't know how closely people follow me on social media,

459
00:21:34,520 --> 00:21:37,760
Speaker 2: but recently I've gone through two pregnancy losses, both at

460
00:21:37,840 --> 00:21:42,359
Speaker 2: relatively late stages, which has been awful. But the psychic

461
00:21:42,440 --> 00:21:45,879
Speaker 2: that I spoke to predicted both of them perfectly. I

462
00:21:45,920 --> 00:21:48,159
Speaker 2: mean she didn't say that I'd lose them, but she

463
00:21:48,280 --> 00:21:53,280
Speaker 2: predicted absolutely everything around it. She predicted gender, she predicted

464
00:21:53,320 --> 00:21:55,760
Speaker 2: how I'd feel. She gave me all of these things.

465
00:21:55,800 --> 00:21:58,719
Speaker 2: And it's crazy because I've shown my team. They're like

466
00:21:58,960 --> 00:22:01,960
Speaker 2: notes that she gave me, and they were so specific.

467
00:22:02,040 --> 00:22:04,679
Speaker 2: They were like this song, this sign, and all of

468
00:22:04,720 --> 00:22:07,560
Speaker 2: them are not common. Like it's not as though, oh, Victoria,

469
00:22:07,640 --> 00:22:09,800
Speaker 2: he's a top ten song that's going to be playing

470
00:22:09,840 --> 00:22:12,320
Speaker 2: and you'll feel connected to it. It was just like

471
00:22:12,400 --> 00:22:15,480
Speaker 2: too many she told me, the dates, she told me everything.

472
00:22:15,520 --> 00:22:17,960
Speaker 2: Isn't it crazy how the world and the universe works,

473
00:22:18,000 --> 00:22:19,399
Speaker 2: like it just it blows my mind.

474
00:22:19,880 --> 00:22:22,960
Speaker 3: Yeah, no, it's I've definitely relied on it a lot

475
00:22:23,000 --> 00:22:25,800
Speaker 3: actually ever since I was a teenager to really get

476
00:22:25,800 --> 00:22:29,040
Speaker 3: me through periods of grief and as well. I've had

477
00:22:29,119 --> 00:22:32,040
Speaker 3: two miscarriages as well, and I've used that kind of

478
00:22:32,119 --> 00:22:36,399
Speaker 3: as this before I was studying medicine, and not that

479
00:22:36,480 --> 00:22:38,040
Speaker 3: I don't do it now, because I still do. I

480
00:22:38,080 --> 00:22:40,960
Speaker 3: have like a three monthly like psychic appointment.

481
00:22:41,200 --> 00:22:41,720
Speaker 2: I love it.

482
00:22:42,000 --> 00:22:45,800
Speaker 3: Yeah, like it's quarterly and you know, like it's it

483
00:22:45,920 --> 00:22:49,160
Speaker 3: helps me feel a bit more kind of like at

484
00:22:49,160 --> 00:22:52,679
Speaker 3: ease and spiritually connected, and like that's very common in

485
00:22:52,720 --> 00:22:55,480
Speaker 3: Torres sh Islanders culture as well, you know, to feel

486
00:22:55,600 --> 00:23:00,240
Speaker 3: very you know, like spiritually connected and things like that,

487
00:23:00,440 --> 00:23:02,359
Speaker 3: and we rely on a lot of those kinds of

488
00:23:02,440 --> 00:23:04,760
Speaker 3: things to kind of place ourselves in the world and

489
00:23:05,040 --> 00:23:08,200
Speaker 3: that kind of thing. So I've definitely relied on that

490
00:23:08,520 --> 00:23:10,600
Speaker 3: a lot. And like I often have like my pre

491
00:23:10,760 --> 00:23:15,880
Speaker 3: pregnancy psychic appointment, like all these things like same, so yeah.

492
00:23:16,520 --> 00:23:19,760
Speaker 2: Literally same. I feel like it's so beautiful that it's

493
00:23:19,800 --> 00:23:22,160
Speaker 2: part of your culture, and it just kind of makes

494
00:23:22,200 --> 00:23:24,719
Speaker 2: sense that that's then what grounds you, and that's then

495
00:23:24,880 --> 00:23:28,000
Speaker 2: what makes you feel so connected to like your ancestors

496
00:23:28,080 --> 00:23:30,800
Speaker 2: and your family. Like it just it kind of makes sense.

497
00:23:30,840 --> 00:23:33,680
Speaker 2: And I love the fact that even though you know,

498
00:23:33,960 --> 00:23:36,480
Speaker 2: you moved down to South Australia and like you went

499
00:23:36,600 --> 00:23:39,200
Speaker 2: so far, you're still kind of in a way connected

500
00:23:39,280 --> 00:23:42,719
Speaker 2: to that level of spirituality, because yeah, let's be honest,

501
00:23:43,119 --> 00:23:45,359
Speaker 2: a lot of the time when you uproot yourself in

502
00:23:45,520 --> 00:23:47,720
Speaker 2: such a way, you actually lose a lot of that

503
00:23:47,880 --> 00:23:51,440
Speaker 2: connection to culture, which ultimately is probably one of the

504
00:23:51,520 --> 00:23:52,679
Speaker 2: most important things to.

505
00:23:52,720 --> 00:23:58,760
Speaker 3: You, absolutely, and yeah, it's super important around like twenty two.

506
00:23:58,840 --> 00:24:02,400
Speaker 3: So this is before I kind of, you know, i'd

507
00:24:02,440 --> 00:24:04,880
Speaker 3: finished UNI. I dropped out a law because I didn't

508
00:24:05,040 --> 00:24:07,880
Speaker 3: like it. I was doing international studies in sociology, which

509
00:24:07,920 --> 00:24:10,760
Speaker 3: I really really enjoyed. Worked in government for a bit,

510
00:24:10,920 --> 00:24:13,280
Speaker 3: got a graduate position, and like the pay was great,

511
00:24:13,920 --> 00:24:17,840
Speaker 3: the entitlements were great, I just didn't feel that fulfilled,

512
00:24:18,200 --> 00:24:21,320
Speaker 3: like working nine to five at a desk the whole week.

513
00:24:21,960 --> 00:24:27,280
Speaker 3: So I kind of decided then like that I would

514
00:24:27,359 --> 00:24:29,240
Speaker 3: attempt to get into medicine.

515
00:24:29,280 --> 00:24:32,360
Speaker 2: Yeah, no, biggie, no, biggie just a really small thing

516
00:24:32,520 --> 00:24:33,520
Speaker 2: that you could go and do.

517
00:24:34,080 --> 00:24:37,159
Speaker 3: Yeah. Yeah, I mean I was previously told by teachers

518
00:24:37,200 --> 00:24:39,800
Speaker 3: that I would not be smart enough to like get into,

519
00:24:40,640 --> 00:24:42,760
Speaker 3: you know, anything, Like I was told that I couldn't

520
00:24:42,800 --> 00:24:45,560
Speaker 3: even get into journalism, which is something that I really enjoyed.

521
00:24:45,600 --> 00:24:47,919
Speaker 3: So that kind of, you know, when I was a teenager,

522
00:24:47,960 --> 00:24:49,399
Speaker 3: I was like, oh, okay, I guess I'm not doing that.

523
00:24:49,720 --> 00:24:51,879
Speaker 2: Some teachers need to be sat down and spoken to.

524
00:24:52,119 --> 00:24:54,879
Speaker 2: Because I had a very similar experience where I was

525
00:24:54,960 --> 00:24:56,280
Speaker 2: told I wouldn't go anywhere.

526
00:24:56,520 --> 00:24:58,639
Speaker 3: Yeah, Like I had interest in medicine, but I was

527
00:24:58,800 --> 00:25:00,840
Speaker 3: just like, oh, there's no way I can do it

528
00:25:00,880 --> 00:25:03,439
Speaker 3: because people told me I wasn't smart enough. But then

529
00:25:03,480 --> 00:25:05,040
Speaker 3: I was like, oh, just have a crack, Like there's

530
00:25:05,080 --> 00:25:07,520
Speaker 3: no problem. I already have a safe job, Like there's

531
00:25:07,520 --> 00:25:10,600
Speaker 3: already like some kind of you know trajectory that I

532
00:25:10,760 --> 00:25:13,600
Speaker 3: can probably you know, get a bit higher whatever. So

533
00:25:13,720 --> 00:25:17,160
Speaker 3: I kind of like studied for all of that, did

534
00:25:17,320 --> 00:25:21,320
Speaker 3: very well, got in, and then I decided that I

535
00:25:22,600 --> 00:25:26,160
Speaker 3: was actually really worried that I would not have kids

536
00:25:26,400 --> 00:25:29,080
Speaker 3: because I would be super focused on my career. And

537
00:25:29,320 --> 00:25:32,080
Speaker 3: so for me coming from like aatosha on a background

538
00:25:32,200 --> 00:25:35,520
Speaker 3: like family is super important and it was something that

539
00:25:35,600 --> 00:25:38,879
Speaker 3: I really valued. But I knew just my personality like

540
00:25:39,040 --> 00:25:42,359
Speaker 3: so far I had just gotten myself into just like

541
00:25:43,720 --> 00:25:46,920
Speaker 3: every single kind of extracurriculous thing you could think of.

542
00:25:47,080 --> 00:25:48,879
Speaker 3: And I was really worried that, like if I just

543
00:25:49,000 --> 00:25:51,159
Speaker 3: jumped straight into medicine, that I would.

544
00:25:51,160 --> 00:25:53,440
Speaker 2: Hit the ground and run and just sid and just

545
00:25:53,520 --> 00:25:54,560
Speaker 2: like not look back.

546
00:25:54,440 --> 00:25:56,240
Speaker 3: And then it would it would be a bit you know,

547
00:25:56,480 --> 00:25:59,399
Speaker 3: too late by the time I considered that. So at

548
00:25:59,440 --> 00:26:03,520
Speaker 3: the time, my partner was like, I said to him,

549
00:26:03,760 --> 00:26:07,160
Speaker 3: you know, like I'd really like to have a baby

550
00:26:07,200 --> 00:26:10,080
Speaker 3: before I start medicine, just to like, you know, get

551
00:26:10,119 --> 00:26:12,760
Speaker 3: the ball rolling that kind of thing. And you know,

552
00:26:12,920 --> 00:26:15,639
Speaker 3: he agreed at the time, and so you know, we

553
00:26:15,760 --> 00:26:18,960
Speaker 3: got pregnant. We bought a house. Back then I just

554
00:26:19,040 --> 00:26:21,359
Speaker 3: thought I knew things about finance. I one hundred percent

555
00:26:21,440 --> 00:26:24,320
Speaker 3: did not. I just kind of went to a broker

556
00:26:24,400 --> 00:26:26,600
Speaker 3: and they just said sign here. His you're like your house,

557
00:26:26,800 --> 00:26:29,920
Speaker 3: Like his parents guaranteled the loan, so like we really

558
00:26:29,960 --> 00:26:32,960
Speaker 3: didn't need to work hard for anything, like and you know,

559
00:26:33,080 --> 00:26:35,320
Speaker 3: that was very privileged position to be in, Like no

560
00:26:35,440 --> 00:26:38,440
Speaker 3: one in my family owns a house, so like that's

561
00:26:38,520 --> 00:26:40,240
Speaker 3: kind of been told to us, like, oh, you know,

562
00:26:40,320 --> 00:26:42,399
Speaker 3: if you own a house, like you've made it in life.

563
00:26:42,440 --> 00:26:45,280
Speaker 3: And so I was like, well, I just like got one,

564
00:26:45,400 --> 00:26:49,480
Speaker 3: so what's what's the problem. But like, honestly, I knew nothing,

565
00:26:49,920 --> 00:26:53,160
Speaker 3: Like I just walked in blind, did not do my research,

566
00:26:53,320 --> 00:26:58,080
Speaker 3: did not really care for like anything. I just kind

567
00:26:58,080 --> 00:27:00,600
Speaker 3: of thought, Okay, we've decided to have a family, let's

568
00:27:00,600 --> 00:27:05,439
Speaker 3: buy a house. And so we did, and then about

569
00:27:05,520 --> 00:27:10,000
Speaker 3: like thirty five weeks pregnant, my partner, or previous to that,

570
00:27:10,160 --> 00:27:11,960
Speaker 3: my partner had been in an accident when I was

571
00:27:12,040 --> 00:27:15,720
Speaker 3: like two months pregnant. He accidentally got really quite injured

572
00:27:15,760 --> 00:27:17,720
Speaker 3: and was in hospital for like two or three months,

573
00:27:17,920 --> 00:27:20,679
Speaker 3: and because it didn't happen at work, he didn't obviously

574
00:27:20,760 --> 00:27:23,639
Speaker 3: have any insurances to cover anything. Yeah wow, So I

575
00:27:23,840 --> 00:27:28,040
Speaker 3: ended up paying for everything, like the mortgage, all of

576
00:27:28,119 --> 00:27:30,560
Speaker 3: our joint bills. We had a car loan at the time,

577
00:27:30,880 --> 00:27:33,560
Speaker 3: and I was only on about eighteen hundred dollars a

578
00:27:33,680 --> 00:27:37,160
Speaker 3: fortnite from my government job, and it was very much

579
00:27:37,240 --> 00:27:41,240
Speaker 3: a tie squeeze. It was very stressful, and then he

580
00:27:41,440 --> 00:27:44,439
Speaker 3: couldn't go back to work. Or like rather he didn't

581
00:27:44,640 --> 00:27:46,560
Speaker 3: want to go back to work, I think, and so

582
00:27:47,760 --> 00:27:51,080
Speaker 3: about like thirty six weeks he just decided that, like

583
00:27:51,200 --> 00:27:54,640
Speaker 3: he didn't want to be together anymore. Yeah, wow, Oka,

584
00:27:54,680 --> 00:27:56,159
Speaker 3: he was just kind of like, oh yeah, I just

585
00:27:56,280 --> 00:27:58,479
Speaker 3: like don't love you anymore, so like let's just break up.

586
00:27:58,720 --> 00:28:01,320
Speaker 2: Oh good, idea, babe, by my only thirty six weeks

587
00:28:01,400 --> 00:28:03,920
Speaker 2: pregnant with your baby, and we have a mortgage and

588
00:28:04,000 --> 00:28:07,240
Speaker 2: a car loan together and probably a lot of connection,

589
00:28:07,440 --> 00:28:10,120
Speaker 2: but that's okay, have a nice laugh.

590
00:28:10,160 --> 00:28:13,520
Speaker 3: Set. It was very very just nonchalant, like it was

591
00:28:13,720 --> 00:28:17,720
Speaker 3: very shocking, and I felt, I guess after that, like

592
00:28:17,840 --> 00:28:19,480
Speaker 3: I had to move back in with my mum, which

593
00:28:19,480 --> 00:28:22,879
Speaker 3: I was like really grateful that, you know, like I

594
00:28:23,240 --> 00:28:25,240
Speaker 3: definitely do not have the bank of mum and Dad,

595
00:28:25,400 --> 00:28:27,280
Speaker 3: but if I ever need anywhere to stay, I can

596
00:28:27,320 --> 00:28:30,720
Speaker 3: always stay with them, So that's always been great. And

597
00:28:30,840 --> 00:28:34,480
Speaker 3: so I moved back in with her, gave birth. At

598
00:28:34,520 --> 00:28:36,720
Speaker 3: the time, I was able to get matt Lee from

599
00:28:37,000 --> 00:28:41,240
Speaker 3: my government job and from Senlink, so you know, I

600
00:28:41,400 --> 00:28:44,200
Speaker 3: did have quite a lot of income at that time,

601
00:28:45,080 --> 00:28:46,720
Speaker 3: but I was still having to like pay for my

602
00:28:46,880 --> 00:28:49,080
Speaker 3: half of the mortgage even though I had moved out,

603
00:28:49,240 --> 00:28:52,080
Speaker 3: and I kind of gave him a deadline. I was like, look,

604
00:28:52,560 --> 00:28:55,520
Speaker 3: I'm going to give you like six months to get

605
00:28:55,600 --> 00:28:58,000
Speaker 3: back to work and decide what you want to do

606
00:28:58,120 --> 00:29:02,000
Speaker 3: with the house. Like, I can't continue paying this mortgage.

607
00:29:02,440 --> 00:29:04,720
Speaker 3: It was like eight hundred dollars a month for me

608
00:29:05,120 --> 00:29:08,000
Speaker 3: to pay. I was like, look, I'll help pay for

609
00:29:08,040 --> 00:29:10,120
Speaker 3: a little bit, but like we need to sort it out, like,

610
00:29:10,920 --> 00:29:14,400
Speaker 3: you know, because I just thought legally I still was

611
00:29:14,520 --> 00:29:16,360
Speaker 3: on the mortgage, so I still should have paid it,

612
00:29:16,400 --> 00:29:18,959
Speaker 3: even though I wasn't living there. Yeah, and so by

613
00:29:19,000 --> 00:29:20,880
Speaker 3: the time I stopped paying it, I was like, hey,

614
00:29:21,000 --> 00:29:22,880
Speaker 3: he hadn't made a decision about what we were going

615
00:29:22,960 --> 00:29:25,360
Speaker 3: to do, and that I just thought, okay, well you

616
00:29:25,480 --> 00:29:27,840
Speaker 3: can just pay it because you're living there. And then

617
00:29:27,880 --> 00:29:29,520
Speaker 3: I got a call from the bank to say that

618
00:29:29,600 --> 00:29:33,080
Speaker 3: we had defaulted because he had not paid the mortgage

619
00:29:33,160 --> 00:29:36,120
Speaker 3: for like two months in a row or something. Yeah.

620
00:29:36,440 --> 00:29:39,040
Speaker 3: So I was like, my baby was like five months old,

621
00:29:39,640 --> 00:29:41,640
Speaker 3: and then here I was just being like, oh my god,

622
00:29:41,800 --> 00:29:45,000
Speaker 3: my credit is just going to go through the floor. Yeah,

623
00:29:45,240 --> 00:29:47,280
Speaker 3: Like I was just so it was just such a

624
00:29:47,360 --> 00:29:53,800
Speaker 3: stressful time. Thankfully, Like that's kind of what got his

625
00:29:53,960 --> 00:29:56,000
Speaker 3: parents kind of made him sell the house so that

626
00:29:56,080 --> 00:29:59,200
Speaker 3: we could get out of it. Yeah, but that's kind

627
00:29:59,200 --> 00:30:04,440
Speaker 3: of I guess what happened. And yeah, like he doesn't

628
00:30:04,440 --> 00:30:06,880
Speaker 3: pay child support. He's not really involved in our life,

629
00:30:06,920 --> 00:30:08,960
Speaker 3: which is fine, Like I'm happy to pay for.

630
00:30:09,680 --> 00:30:12,600
Speaker 2: My kid, Yeah, but it would be nice to know

631
00:30:12,880 --> 00:30:15,360
Speaker 2: that he wanted to support it. Like, yeah, it's a

632
00:30:15,400 --> 00:30:19,760
Speaker 2: crazy juxtaposition, right, Like, yeah, some people really really need

633
00:30:19,840 --> 00:30:23,120
Speaker 2: the money, which makes sense. But knowing the rest of

634
00:30:23,160 --> 00:30:25,479
Speaker 2: your money story, which our listeners don't write, now, your

635
00:30:25,520 --> 00:30:29,680
Speaker 2: life has turned around completely, Like you have a beautiful fiance, right, Like,

636
00:30:29,840 --> 00:30:32,320
Speaker 2: tell us about that side of it, because right now

637
00:30:32,480 --> 00:30:34,000
Speaker 2: it's looking a little bit grim.

638
00:30:34,400 --> 00:30:37,640
Speaker 3: Yes, So at that point, I started using after pay

639
00:30:37,800 --> 00:30:40,040
Speaker 3: a lot. I relied on after pay for all of

640
00:30:40,120 --> 00:30:43,560
Speaker 3: my purchases from when my son was like one years old,

641
00:30:43,760 --> 00:30:47,000
Speaker 3: and then a couple of years later, I started medicine again.

642
00:30:47,280 --> 00:30:50,200
Speaker 3: I was able to win a scholarship which allowed me

643
00:30:50,760 --> 00:30:52,880
Speaker 3: to move out of my mum's house and I was

644
00:30:52,920 --> 00:30:55,680
Speaker 3: able to rent, you know, just a small place for

645
00:30:55,760 --> 00:30:59,200
Speaker 3: me and my son at the time, which was really amazing.

646
00:30:59,800 --> 00:31:04,480
Speaker 3: And then shortly after that I met my fiance now exciting.

647
00:31:04,840 --> 00:31:05,640
Speaker 2: How did you meet?

648
00:31:05,840 --> 00:31:10,560
Speaker 3: So we met on Hinge stunning. Yes, So I kind

649
00:31:10,600 --> 00:31:12,200
Speaker 3: of think it's a little bit of fate because he

650
00:31:12,360 --> 00:31:17,160
Speaker 3: was only like here down South for like two months

651
00:31:17,640 --> 00:31:21,239
Speaker 3: before he was moving overseas. So this was like at

652
00:31:21,240 --> 00:31:23,160
Speaker 3: the start of twenty twenty, right, So this is when

653
00:31:23,200 --> 00:31:26,320
Speaker 3: everyone was like super happy and everyone was going really well.

654
00:31:26,480 --> 00:31:31,280
Speaker 3: And then we started dating. You know, we decided like

655
00:31:31,360 --> 00:31:33,560
Speaker 3: our values a line, and you know, we'd like to

656
00:31:33,600 --> 00:31:35,640
Speaker 3: be serious. And you know, he knew that in the

657
00:31:35,720 --> 00:31:38,320
Speaker 3: long term, like he would be considered by son's dad,

658
00:31:38,960 --> 00:31:41,360
Speaker 3: but at the time, he was training for a job

659
00:31:41,400 --> 00:31:43,840
Speaker 3: that would be based overseas, so because he was a pilot,

660
00:31:43,960 --> 00:31:47,200
Speaker 3: so he went overseas. I think about a month after

661
00:31:47,280 --> 00:31:49,920
Speaker 3: we started dating. You know, we had all these plans like, yeah,

662
00:31:49,960 --> 00:31:51,840
Speaker 3: we'll go back and forth and all these things. And

663
00:31:51,920 --> 00:31:53,720
Speaker 3: that's when I started to get a little bit better

664
00:31:53,760 --> 00:31:55,280
Speaker 3: with my money because I was like, Okay, I got

665
00:31:55,360 --> 00:31:58,440
Speaker 3: to save money so I can go overseas and see

666
00:31:58,520 --> 00:32:02,640
Speaker 3: like my partner and COVID hit oh no, and so

667
00:32:03,680 --> 00:32:06,160
Speaker 3: like he couldn't get back, I couldn't get to him.

668
00:32:06,920 --> 00:32:08,880
Speaker 3: And then throughout that period of time, throughout all of

669
00:32:08,960 --> 00:32:12,440
Speaker 3: twenty twenty. Then my money habits like went pretty bad again.

670
00:32:12,520 --> 00:32:14,760
Speaker 3: Like I pretty much spent the entirety of my money

671
00:32:15,320 --> 00:32:16,920
Speaker 3: on either plants or Uber eats.

672
00:32:17,240 --> 00:32:20,440
Speaker 2: That's relatable for COVID though, Yeah, that's really really.

673
00:32:20,360 --> 00:32:23,720
Speaker 3: It was like an exorbitant amount of money, Like it

674
00:32:23,880 --> 00:32:26,280
Speaker 3: was crazy, Like it was kind of like that whole

675
00:32:26,800 --> 00:32:29,880
Speaker 3: like just emotional spending again. Like I really was just like,

676
00:32:30,480 --> 00:32:32,160
Speaker 3: you know, I had my son at home with me

677
00:32:32,360 --> 00:32:34,920
Speaker 3: for the he like he couldn't go to childcare. Like

678
00:32:35,080 --> 00:32:37,840
Speaker 3: I was trying to study medicine online which was very

679
00:32:37,880 --> 00:32:40,120
Speaker 3: difficult and like pass my exams and things like that,

680
00:32:40,320 --> 00:32:43,000
Speaker 3: and so yeah, it was just really difficult to deal

681
00:32:43,080 --> 00:32:44,240
Speaker 3: with that, like by myself.

682
00:32:44,480 --> 00:32:44,920
Speaker 2: Yeah wow.

683
00:32:45,720 --> 00:32:47,560
Speaker 3: Obviously I had the support of my partner, like he

684
00:32:47,640 --> 00:32:48,160
Speaker 3: would you.

685
00:32:48,200 --> 00:32:51,400
Speaker 2: Know, emotionally there but not physically right.

686
00:32:51,640 --> 00:32:55,080
Speaker 3: Yeah, and so like you know, he would like skype

687
00:32:55,120 --> 00:32:57,520
Speaker 3: us every day and like built a really good relationship

688
00:32:57,600 --> 00:32:59,760
Speaker 3: with my son, which was amazing. But then towards the

689
00:32:59,840 --> 00:33:02,680
Speaker 3: end of that year, he got told that he was

690
00:33:02,760 --> 00:33:06,000
Speaker 3: being made redundant because of COVID because he was a

691
00:33:06,080 --> 00:33:08,640
Speaker 3: recent higher So then he kind of came back to

692
00:33:08,720 --> 00:33:14,240
Speaker 3: Australia and yeah, since then he told me to tell

693
00:33:14,280 --> 00:33:16,720
Speaker 3: you that, like my money habits have gotten way better

694
00:33:16,800 --> 00:33:19,560
Speaker 3: because of him. Oh okay, yep mm hmm, yeah, and

695
00:33:19,760 --> 00:33:22,680
Speaker 3: I disagree. You know what, we can give it to him,

696
00:33:22,720 --> 00:33:24,920
Speaker 3: let him have it, Let him have it. I mean

697
00:33:24,960 --> 00:33:27,360
Speaker 3: we had similar upbringings, but he kind of went in

698
00:33:27,400 --> 00:33:29,360
Speaker 3: a different direction, Like he went in the hole, like

699
00:33:30,560 --> 00:33:32,360
Speaker 3: he needed to hold all of his money, like he

700
00:33:32,480 --> 00:33:34,480
Speaker 3: really needed to save all of it. He wasn't allowed

701
00:33:34,520 --> 00:33:36,160
Speaker 3: to buy anything, and I was kind.

702
00:33:36,040 --> 00:33:39,480
Speaker 2: Of like to spend it because emotionally that makes me.

703
00:33:40,000 --> 00:33:42,560
Speaker 2: It's like a little bit of an emotional crutch. It's

704
00:33:42,640 --> 00:33:45,800
Speaker 2: funny how trauma and just the way we go through

705
00:33:45,880 --> 00:33:49,360
Speaker 2: different circumstances can send us one way or the other. Yeah,

706
00:33:49,480 --> 00:33:52,040
Speaker 2: it's crazy to think that for one person, you come

707
00:33:52,080 --> 00:33:55,280
Speaker 2: out of a level of trauma and you save every

708
00:33:55,360 --> 00:33:57,400
Speaker 2: cent you've ever had and become the best with money

709
00:33:57,400 --> 00:33:59,400
Speaker 2: you've ever been, or you flip and you go, you

710
00:33:59,480 --> 00:34:00,880
Speaker 2: know what, I'm really good out you have to pay

711
00:34:01,480 --> 00:34:04,240
Speaker 2: brilliant at it. And it's just crazy to think that

712
00:34:04,520 --> 00:34:07,880
Speaker 2: different people just respond to different circumstances in ways like that.

713
00:34:08,000 --> 00:34:11,640
Speaker 2: I love learning more about people's stories purely because they're

714
00:34:11,640 --> 00:34:12,800
Speaker 2: always so different.

715
00:34:13,360 --> 00:34:15,640
Speaker 3: Yes, Well, like we kind of had to come to

716
00:34:15,719 --> 00:34:19,160
Speaker 3: a happy medium because you know, we kind of like

717
00:34:19,760 --> 00:34:23,040
Speaker 3: we're getting mad at each other a lot about money,

718
00:34:23,480 --> 00:34:25,680
Speaker 3: So we kind of came to a happy medium. And then,

719
00:34:26,880 --> 00:34:29,520
Speaker 3: you know, I was still studying. I was in my

720
00:34:29,600 --> 00:34:32,440
Speaker 3: second or third year at UNI. We decided to have

721
00:34:32,520 --> 00:34:35,240
Speaker 3: another baby because my son was getting a bit older

722
00:34:35,360 --> 00:34:36,880
Speaker 3: and we didn't know when he was going to go

723
00:34:37,040 --> 00:34:39,560
Speaker 3: back overseas, so we thought, let's just have another baby.

724
00:34:39,680 --> 00:34:41,840
Speaker 3: So that was kind of the first time that I

725
00:34:42,640 --> 00:34:46,200
Speaker 3: attempted to save money or apart from the flight thing

726
00:34:46,360 --> 00:34:48,759
Speaker 3: to like go see him in twenty twenty, but I

727
00:34:48,920 --> 00:34:52,279
Speaker 3: attempted to save money because I was a student. I

728
00:34:52,400 --> 00:34:56,520
Speaker 3: wasn't eligible for maternity leave from send lengths, so like

729
00:34:56,719 --> 00:34:58,520
Speaker 3: I wanted to take the whole year off to be

730
00:34:58,800 --> 00:35:02,239
Speaker 3: at home with my daughter. And so I kind of

731
00:35:02,280 --> 00:35:04,279
Speaker 3: said to him, like, like that's what's important to me,

732
00:35:04,400 --> 00:35:06,400
Speaker 3: that's what I need before I go back to medicine,

733
00:35:06,640 --> 00:35:09,799
Speaker 3: and like we're going to have to like work out

734
00:35:09,920 --> 00:35:12,880
Speaker 3: all of our expenses and bills and like save up

735
00:35:13,400 --> 00:35:16,760
Speaker 3: so that can cover that for when I'm at home. Basically,

736
00:35:17,560 --> 00:35:21,040
Speaker 3: so we saved up I think maybe thirty or forty

737
00:35:21,080 --> 00:35:24,120
Speaker 3: grand because he was still working, so it was just

738
00:35:24,239 --> 00:35:28,239
Speaker 3: kind of like to cover our additional expenses while I

739
00:35:28,400 --> 00:35:31,960
Speaker 3: was at home. So that was last year, and yeah,

740
00:35:32,040 --> 00:35:35,600
Speaker 3: that we just kind of decided, like I started getting

741
00:35:35,800 --> 00:35:38,320
Speaker 3: super on my matt leave because I'm a very busy person.

742
00:35:38,440 --> 00:35:40,080
Speaker 3: I just can't like sit down and take care of

743
00:35:40,120 --> 00:35:43,919
Speaker 3: a baby. That's like really difficult. So I just kind

744
00:35:43,960 --> 00:35:47,080
Speaker 3: of decided last year like that I was going to

745
00:35:47,200 --> 00:35:49,920
Speaker 3: organize all these things and get my finances in order.

746
00:35:50,080 --> 00:35:51,920
Speaker 3: And then I found like, she's on the money.

747
00:35:52,280 --> 00:35:55,359
Speaker 2: Welcome to the family. Thank you, We've done nothing. Your

748
00:35:55,400 --> 00:35:56,239
Speaker 2: partner did it all.

749
00:35:56,560 --> 00:35:59,920
Speaker 3: Yeah. Absolutely, he's going to claim that. And then I

750
00:36:00,200 --> 00:36:02,720
Speaker 3: just like I just told him, like, hey, we should

751
00:36:02,719 --> 00:36:03,600
Speaker 3: probably get married.

752
00:36:03,880 --> 00:36:06,280
Speaker 2: You just told him, I feel like you're a vibe.

753
00:36:06,719 --> 00:36:09,440
Speaker 2: You just called a principal and said, hey, you should

754
00:36:09,440 --> 00:36:12,279
Speaker 2: give me a full scholarship to your boarding school. That's

755
00:36:12,320 --> 00:36:14,800
Speaker 2: what's going to happen. You just told him, you know what,

756
00:36:14,880 --> 00:36:17,319
Speaker 2: we're gonna have a baby. You're at home. Also, by

757
00:36:17,360 --> 00:36:18,560
Speaker 2: the way, we're getting married.

758
00:36:18,960 --> 00:36:19,560
Speaker 3: Did you know that?

759
00:36:20,960 --> 00:36:23,160
Speaker 2: Did he take it well? He agreed or he did?

760
00:36:23,360 --> 00:36:25,840
Speaker 3: Yeah, I mean it was definitely something we had previously

761
00:36:25,920 --> 00:36:30,040
Speaker 3: talked about we just couldn't entirely sure when it was

762
00:36:30,120 --> 00:36:32,320
Speaker 3: going to be right, because you know, we're just in

763
00:36:32,480 --> 00:36:34,880
Speaker 3: different like our career paths were a little bit like,

764
00:36:35,280 --> 00:36:37,400
Speaker 3: you know, like tumultuous. We just didn't know when like

765
00:36:37,520 --> 00:36:40,040
Speaker 3: the perfect time would be. And so I kind of

766
00:36:40,080 --> 00:36:41,960
Speaker 3: said to him last year, like, hey, I figured out

767
00:36:41,960 --> 00:36:44,680
Speaker 3: the perfect time for us to get married is going

768
00:36:44,719 --> 00:36:46,600
Speaker 3: to be at the end of this year. So once

769
00:36:46,640 --> 00:36:49,480
Speaker 3: I finished my med degree and before I start working

770
00:36:49,520 --> 00:36:50,480
Speaker 3: as a doctor. Yep.

771
00:36:50,600 --> 00:36:52,359
Speaker 2: Stunning, She's planned it all out, yep.

772
00:36:52,960 --> 00:36:54,520
Speaker 3: And then so that was like in the middle of

773
00:36:54,640 --> 00:36:56,640
Speaker 3: Matt Leaf and I just said like, hey, I'm just

774
00:36:56,680 --> 00:36:59,799
Speaker 3: going to start doing all of this stuff and I'm

775
00:36:59,840 --> 00:37:01,960
Speaker 3: just going to like look it in, just get it in,

776
00:37:02,200 --> 00:37:03,839
Speaker 3: save all our money, sort it all out.

777
00:37:05,160 --> 00:37:05,359
Speaker 2: Yeah.

778
00:37:05,440 --> 00:37:07,960
Speaker 3: So that's kind of what happened. And that was last year.

779
00:37:08,320 --> 00:37:10,360
Speaker 3: And the wedding's pretty much all sorted. I don't need

780
00:37:10,440 --> 00:37:11,760
Speaker 3: to worry about that at the moment.

781
00:37:11,960 --> 00:37:13,560
Speaker 2: How exciting, But.

782
00:37:13,960 --> 00:37:16,600
Speaker 3: It is an expensive wedding, like it's going to be

783
00:37:16,920 --> 00:37:20,600
Speaker 3: you know, it's in Darwin. Here's Chinese arm Treasure Islander.

784
00:37:20,719 --> 00:37:23,000
Speaker 3: We have like a billion family members who will one

785
00:37:23,080 --> 00:37:26,440
Speaker 3: hundred percent need to all be invited, and you know

786
00:37:26,560 --> 00:37:28,719
Speaker 3: that's really important to us as well. We're very like

787
00:37:28,880 --> 00:37:29,879
Speaker 3: family orientated.

788
00:37:30,040 --> 00:37:32,920
Speaker 2: What's expensive when it comes to a wedding, Well, like

789
00:37:33,080 --> 00:37:33,719
Speaker 2: I didn't.

790
00:37:33,480 --> 00:37:36,160
Speaker 3: Think it was that expensive because I've just heard that

791
00:37:36,360 --> 00:37:38,920
Speaker 3: this is the general price. But whenever I say to people, oh,

792
00:37:39,000 --> 00:37:41,640
Speaker 3: it's this much money, they're like, they're like really shocked,

793
00:37:41,920 --> 00:37:44,360
Speaker 3: Like so ours I think is going to be in total,

794
00:37:44,800 --> 00:37:48,080
Speaker 3: like for everything, Maju, we have cut expenses here or there.

795
00:37:48,400 --> 00:37:50,000
Speaker 3: I think it was going to be fifty seven k.

796
00:37:50,239 --> 00:37:52,880
Speaker 2: Yeah. Wow, it feels like a lot of money. But

797
00:37:52,920 --> 00:37:54,960
Speaker 2: at the same time, that's about the average of what

798
00:37:55,440 --> 00:37:58,520
Speaker 2: an Australian wedding is now, and I mean the average

799
00:37:58,600 --> 00:38:02,239
Speaker 2: is probably not that reflect because that takes into consideration

800
00:38:02,440 --> 00:38:05,320
Speaker 2: those outliers of people who do spend hundreds of thousands

801
00:38:05,360 --> 00:38:07,959
Speaker 2: of dollars on their weddings. But at the same time,

802
00:38:08,600 --> 00:38:11,719
Speaker 2: I don't think it's shocking when people spend that anymore.

803
00:38:12,200 --> 00:38:14,640
Speaker 2: I think in you know, maybe nineteen ninety, if you're

804
00:38:14,680 --> 00:38:17,799
Speaker 2: saying that was what your wedding costs, people would be horrified.

805
00:38:18,280 --> 00:38:21,400
Speaker 2: But these days, I think times have changed, right, Like

806
00:38:21,560 --> 00:38:25,359
Speaker 2: marriage is no longer some kind of prerequisite to having

807
00:38:25,400 --> 00:38:28,400
Speaker 2: a successful relationship. And you know, as you've shown, you

808
00:38:28,480 --> 00:38:31,000
Speaker 2: don't need to get married to then have kids and

809
00:38:31,080 --> 00:38:33,279
Speaker 2: have you know, perfect timeline. You can kind of just

810
00:38:33,480 --> 00:38:35,160
Speaker 2: make it up and do whatever you want that makes

811
00:38:35,200 --> 00:38:38,840
Speaker 2: you happy. And I think that nowadays because marriage I

812
00:38:38,840 --> 00:38:41,560
Speaker 2: don't know. I feel like, from my perspective, marriage now

813
00:38:41,600 --> 00:38:44,239
Speaker 2: feels like a luxury, Like it is a luxury to

814
00:38:44,360 --> 00:38:46,840
Speaker 2: me to have had the opportunity to get married to

815
00:38:46,920 --> 00:38:49,200
Speaker 2: my partner because to achieve all the other life things

816
00:38:49,280 --> 00:38:51,720
Speaker 2: that we wanted to do, we didn't need to be married.

817
00:38:51,920 --> 00:38:55,280
Speaker 2: And technically I feel like I had very very similar

818
00:38:55,320 --> 00:38:57,920
Speaker 2: rights before we got married. But I think it's now

819
00:38:58,120 --> 00:39:00,880
Speaker 2: exactly become a luxury. So when you talk about the

820
00:39:01,000 --> 00:39:03,480
Speaker 2: expense of it, it feels like a bit of a

821
00:39:03,560 --> 00:39:07,480
Speaker 2: cheeky expense, whereas historically it was like oh money, jarist,

822
00:39:07,560 --> 00:39:11,000
Speaker 2: how very dare you move in with your not married men?

823
00:39:11,400 --> 00:39:14,040
Speaker 2: Like it's crazy right to think how different the world

824
00:39:14,160 --> 00:39:16,600
Speaker 2: used to be and now it's just you do whatever

825
00:39:16,600 --> 00:39:18,439
Speaker 2: you want. Like I lived with my partner four years

826
00:39:18,600 --> 00:39:21,080
Speaker 2: before we got married. We had pets, like we didn't

827
00:39:21,120 --> 00:39:23,279
Speaker 2: have kids yet, but it wouldn't have surprised me if

828
00:39:23,320 --> 00:39:26,160
Speaker 2: we had had kids yet, Like, it's just it's the

829
00:39:26,239 --> 00:39:28,439
Speaker 2: world we live in now where I think that people

830
00:39:28,560 --> 00:39:32,279
Speaker 2: are shocked because it feels like a luxury expense, right, And.

831
00:39:32,360 --> 00:39:34,279
Speaker 3: I know a lot of people have said to me like, oh,

832
00:39:34,640 --> 00:39:37,840
Speaker 3: wouldn't you like think that money could be better spent elsewhere?

833
00:39:38,560 --> 00:39:39,560
Speaker 3: And I've kind of said, like.

834
00:39:39,640 --> 00:39:42,800
Speaker 2: Well, why are you questioning my money values and the

835
00:39:42,880 --> 00:39:46,000
Speaker 2: way that I'm running my life? Maybe for you if

836
00:39:46,080 --> 00:39:50,000
Speaker 2: you had that, But it's crazy because I had quite

837
00:39:50,080 --> 00:39:53,000
Speaker 2: an extravagant wedding. My wedding was very over the top.

838
00:39:53,239 --> 00:39:56,000
Speaker 2: I regret nothing, not one thing. Yeah, not one thing.

839
00:39:56,080 --> 00:39:57,719
Speaker 2: The amount of times people like do you wish you

840
00:39:57,760 --> 00:40:01,239
Speaker 2: spent less? No, probably could have spent more. Best day

841
00:40:01,360 --> 00:40:04,279
Speaker 2: of my entire life. Like, I loved every second of it.

842
00:40:04,400 --> 00:40:07,120
Speaker 2: My husband and I talk about it weekly. Still we're

843
00:40:07,160 --> 00:40:09,160
Speaker 2: always like, oh, our wedding, we could do it again,

844
00:40:09,360 --> 00:40:12,120
Speaker 2: Like it was the best thing ever. But then there

845
00:40:12,160 --> 00:40:14,400
Speaker 2: are people who say, oh, I'd never get married, it's

846
00:40:14,440 --> 00:40:16,600
Speaker 2: a waste of money. You do you boo? That's fine.

847
00:40:16,880 --> 00:40:19,239
Speaker 2: I could not care what you spend your money on.

848
00:40:19,360 --> 00:40:21,440
Speaker 2: But what I do ask is that you respect the

849
00:40:21,560 --> 00:40:24,600
Speaker 2: decisions I make around my finances because they do not

850
00:40:24,719 --> 00:40:27,520
Speaker 2: impact anybody but me. They don't, So I think it's

851
00:40:27,640 --> 00:40:31,080
Speaker 2: wild to me that people can be so judgmental, like, oh,

852
00:40:31,120 --> 00:40:34,880
Speaker 2: couldn't you spend that better? Yes, Suzanne probably could not

853
00:40:35,000 --> 00:40:35,520
Speaker 2: gone to though.

854
00:40:36,680 --> 00:40:37,279
Speaker 3: Absolutely.

855
00:40:37,680 --> 00:40:39,719
Speaker 2: I have lots of questions and I want to dive

856
00:40:39,800 --> 00:40:47,839
Speaker 2: straight back into your money story right after this. All right, guys,

857
00:40:47,920 --> 00:40:51,279
Speaker 2: we are back. This money diarist is incredible. I am

858
00:40:51,440 --> 00:40:54,120
Speaker 2: so excited to be sharing her with you. I want

859
00:40:54,160 --> 00:40:57,000
Speaker 2: to know, now, though, what are you currently doing for

860
00:40:57,080 --> 00:40:58,240
Speaker 2: work and how much are you earning?

861
00:40:58,600 --> 00:41:01,960
Speaker 3: So, Like, I'm a fine year medical student. I have

862
00:41:02,680 --> 00:41:07,360
Speaker 3: like some scholarships that I've accumulated over the years from studying,

863
00:41:07,960 --> 00:41:11,880
Speaker 3: so from those I get about seventeen hundred dollars a fortnight.

864
00:41:12,719 --> 00:41:17,960
Speaker 3: I'm also a tutor for aboriginal torture under university students,

865
00:41:18,239 --> 00:41:21,000
Speaker 3: so I tutor ound about four different universities.

866
00:41:21,239 --> 00:41:24,400
Speaker 2: Oh my gosh. Yeah, you're doing all of this stuff

867
00:41:24,480 --> 00:41:26,960
Speaker 2: and someone at some point had the audacity to tell

868
00:41:27,000 --> 00:41:29,600
Speaker 2: you you weren't smart enough for medicine, and now you're

869
00:41:29,640 --> 00:41:31,600
Speaker 2: teaching it to other people. Okay.

870
00:41:31,960 --> 00:41:33,600
Speaker 3: Yeah, it's also kind of a little bit of a

871
00:41:33,680 --> 00:41:37,960
Speaker 3: selfish thing, like in that I really enjoy, you know,

872
00:41:38,360 --> 00:41:41,279
Speaker 3: like helping them and helping them understand things that I

873
00:41:41,440 --> 00:41:45,399
Speaker 3: didn't necessarily have that same tutoring support in my early

874
00:41:45,520 --> 00:41:48,840
Speaker 3: years of medicine, especially not from someone who was Aboriginal

875
00:41:48,960 --> 00:41:52,200
Speaker 3: troisure islander. So there was that kind of mutual understanding

876
00:41:52,400 --> 00:41:59,240
Speaker 3: of lifestyle and culture and like our kind of expectations

877
00:41:59,440 --> 00:42:02,759
Speaker 3: of our commitment to medicine. Like it's just a little

878
00:42:02,760 --> 00:42:04,560
Speaker 3: bit harder, Like not all of us are living with

879
00:42:04,640 --> 00:42:07,719
Speaker 3: our parents. You know, we have kids. We just have

880
00:42:08,160 --> 00:42:09,880
Speaker 3: a lot of things that we need to juggle it around,

881
00:42:10,000 --> 00:42:12,640
Speaker 3: especially if we need to go you know, go away

882
00:42:12,680 --> 00:42:15,400
Speaker 3: and see family and things like that. And so you know,

883
00:42:15,600 --> 00:42:18,919
Speaker 3: I feel like, you know, like I kind of help

884
00:42:19,000 --> 00:42:22,279
Speaker 3: my students understand stuff so that they can just like

885
00:42:22,440 --> 00:42:26,040
Speaker 3: shut off and just focus on their life as well,

886
00:42:26,160 --> 00:42:28,880
Speaker 3: like have a good work life balance, focus on family,

887
00:42:28,960 --> 00:42:31,160
Speaker 3: focus on their kids, focus on you know, if they

888
00:42:31,239 --> 00:42:34,360
Speaker 3: need to work as well. Like it's really really difficult,

889
00:42:34,560 --> 00:42:38,319
Speaker 3: and when you're studying medicine, like my unied particularly it's

890
00:42:38,360 --> 00:42:40,680
Speaker 3: only four years, so it's just like bam bam, bam,

891
00:42:40,719 --> 00:42:42,239
Speaker 3: bam bam, Like it's just NonStop.

892
00:42:42,400 --> 00:42:44,480
Speaker 2: Yeah, that's really condensed.

893
00:42:44,400 --> 00:42:47,800
Speaker 3: Like it's NonStop, and so people, you know, have a

894
00:42:47,880 --> 00:42:50,360
Speaker 3: really tough time like trying to work through that and

895
00:42:50,520 --> 00:42:53,680
Speaker 3: like just having so many things that they need to do,

896
00:42:54,200 --> 00:42:56,279
Speaker 3: and also just emotional support as well.

897
00:42:56,600 --> 00:43:00,840
Speaker 2: Yeah, totally totally, And I mean I can't empathize with

898
00:43:00,920 --> 00:43:03,360
Speaker 2: it because I haven't been in that situation, but I

899
00:43:03,440 --> 00:43:07,520
Speaker 2: can completely understand that that's actually really necessary. Like you

900
00:43:07,719 --> 00:43:09,759
Speaker 2: just want people to get where you've come from and

901
00:43:09,920 --> 00:43:12,680
Speaker 2: get your I guess background and what you've been through,

902
00:43:12,880 --> 00:43:15,840
Speaker 2: and it just makes sense that you would fall perfectly

903
00:43:15,920 --> 00:43:19,160
Speaker 2: into that situation to be I guess, that supportive person.

904
00:43:19,280 --> 00:43:20,800
Speaker 2: I love that you get to do that, and I

905
00:43:20,880 --> 00:43:23,080
Speaker 2: love that people get to experience you in that way.

906
00:43:23,480 --> 00:43:26,239
Speaker 2: They get to actually, you know, connect, and I feel

907
00:43:26,280 --> 00:43:28,920
Speaker 2: like that's so important, especially during UNI when it can

908
00:43:29,080 --> 00:43:31,239
Speaker 2: just feel all consuming and overwhelming.

909
00:43:31,400 --> 00:43:34,840
Speaker 3: Right, Yeah, absolutely So from my tutoring, it's quite variable

910
00:43:34,920 --> 00:43:37,919
Speaker 3: because it just depends on the student's requirements. But since

911
00:43:37,920 --> 00:43:41,200
Speaker 3: I'm shooting for four unis, I generally get about one

912
00:43:41,239 --> 00:43:45,799
Speaker 3: thousand to two thousand a fortnite from shooting. Well, yeah, so.

913
00:43:45,880 --> 00:43:49,640
Speaker 2: You're just doing really well financially as well while studying

914
00:43:49,719 --> 00:43:52,560
Speaker 2: at UNI, and you've started your etsy side hustle.

915
00:43:52,800 --> 00:43:53,360
Speaker 3: Yeah, that's right.

916
00:43:53,440 --> 00:43:56,600
Speaker 2: Made one hundred bucks from that, thus far passive income.

917
00:43:56,760 --> 00:43:58,359
Speaker 2: We love to see it, Is it any other way

918
00:43:58,400 --> 00:43:59,560
Speaker 2: that you're generating income?

919
00:44:00,120 --> 00:44:03,080
Speaker 3: Also do and this is like very casual, Like I

920
00:44:03,360 --> 00:44:07,120
Speaker 3: kind of do, like writing reviews for a local kids

921
00:44:07,440 --> 00:44:10,400
Speaker 3: social media presence, like if we go to a new playground,

922
00:44:10,520 --> 00:44:12,040
Speaker 3: or write a review on that. If we go to

923
00:44:12,120 --> 00:44:14,920
Speaker 3: a new like recently we had the Adelaide Fringe, So

924
00:44:15,120 --> 00:44:17,759
Speaker 3: like a lot of the shows that are directed towards kids,

925
00:44:17,840 --> 00:44:20,800
Speaker 3: I can write reviews on that. That's very casual. I

926
00:44:20,840 --> 00:44:23,120
Speaker 3: only do it when I have time and if you know,

927
00:44:23,880 --> 00:44:25,600
Speaker 3: my kids are interested in what we're going to do.

928
00:44:25,920 --> 00:44:28,759
Speaker 3: But generally, like around four hundred a year I'll get

929
00:44:28,800 --> 00:44:29,480
Speaker 3: from that as well.

930
00:44:29,560 --> 00:44:31,759
Speaker 2: Oh how cool is that? I feel like you're the

931
00:44:31,920 --> 00:44:33,960
Speaker 2: ultimate side hustler going to be a doctor?

932
00:44:34,360 --> 00:44:36,879
Speaker 3: Yes? Yeah, how good? Yeah?

933
00:44:36,920 --> 00:44:39,919
Speaker 2: All right. You mentioned before that you're getting married soon

934
00:44:40,120 --> 00:44:42,640
Speaker 2: and that's all kind of like sorted. But I want

935
00:44:42,680 --> 00:44:45,720
Speaker 2: to know what big money goals are you currently working towards.

936
00:44:46,320 --> 00:44:50,200
Speaker 3: So that's one of them. Like I still have about

937
00:44:50,760 --> 00:44:53,040
Speaker 3: forty k left I need to save for that, which

938
00:44:53,080 --> 00:44:55,680
Speaker 3: I think will be fine. Like over the next couple

939
00:44:55,719 --> 00:44:58,799
Speaker 3: of months just like that. With my partner's income as well,

940
00:44:58,840 --> 00:45:01,960
Speaker 3: because he works FIFA, so he kind of covers a

941
00:45:02,000 --> 00:45:04,919
Speaker 3: lot of the things, and I save for the wedding

942
00:45:04,960 --> 00:45:06,880
Speaker 3: pretty much my entire income.

943
00:45:07,040 --> 00:45:08,520
Speaker 2: Yeah wow, yeah, so we have that.

944
00:45:08,960 --> 00:45:13,239
Speaker 3: I recently just started my own chasa's portfolio. I guess,

945
00:45:13,440 --> 00:45:16,759
Speaker 3: like being a little bit. I felt really comfortable after

946
00:45:16,800 --> 00:45:18,600
Speaker 3: I had listened to a lot of things on She's

947
00:45:18,640 --> 00:45:21,800
Speaker 3: on the Money and some other kind of like finance podcasts,

948
00:45:21,840 --> 00:45:24,759
Speaker 3: I finally felt comfortable enough to just, I guess start that.

949
00:45:25,360 --> 00:45:27,279
Speaker 2: Congrats, that's so exciting.

950
00:45:28,239 --> 00:45:30,880
Speaker 3: Yeah. So I put fifty dollars a fortnite into that

951
00:45:31,080 --> 00:45:33,840
Speaker 3: and just kind of like alternate. I love chasas, like

952
00:45:33,960 --> 00:45:38,560
Speaker 3: I alternate automatic investment profiles or whatever they call it.

953
00:45:38,840 --> 00:45:41,000
Speaker 3: One fortnite I invest into blue chip stuff, and the

954
00:45:41,080 --> 00:45:44,080
Speaker 3: following fortnite I invest into ETFs, and so I have

955
00:45:44,200 --> 00:45:47,000
Speaker 3: around six hundred in that at the moment. But I

956
00:45:47,120 --> 00:45:49,560
Speaker 3: really like the automaticity of that, So that just kind

957
00:45:49,600 --> 00:45:50,719
Speaker 3: of does its own thing for me.

958
00:45:51,000 --> 00:45:53,800
Speaker 2: I feel like that makes things so easy. That was

959
00:45:53,840 --> 00:45:55,759
Speaker 2: actually my next question to you. I was going to say,

960
00:45:56,000 --> 00:45:58,400
Speaker 2: do you invest if so whatdy? I already answered that,

961
00:45:58,560 --> 00:46:00,759
Speaker 2: But do you invest in any other or is it

962
00:46:00,880 --> 00:46:02,040
Speaker 2: just Sharez's at this point.

963
00:46:02,239 --> 00:46:04,719
Speaker 3: At the moment, I just have share ease. I have

964
00:46:04,880 --> 00:46:09,439
Speaker 3: been putting away money for my current kids slash future kids,

965
00:46:09,960 --> 00:46:12,640
Speaker 3: which I probably I've been looking into a few different

966
00:46:12,680 --> 00:46:15,720
Speaker 3: ways where I can invest at the Vanguard kid's account

967
00:46:15,800 --> 00:46:19,320
Speaker 3: also sounds pretty good. Cool, So as I kind of

968
00:46:19,360 --> 00:46:22,640
Speaker 3: start working properly next year, that'll be my focus to

969
00:46:22,760 --> 00:46:25,799
Speaker 3: kind of really up my shares investments and really get

970
00:46:25,840 --> 00:46:28,839
Speaker 3: all of that going. Yeah, and also like next year

971
00:46:28,960 --> 00:46:31,560
Speaker 3: probably we do want to buy a house, so that'll

972
00:46:31,600 --> 00:46:33,560
Speaker 3: be like another block of saving we'll have to do.

973
00:46:34,040 --> 00:46:34,560
Speaker 2: How good?

974
00:46:34,800 --> 00:46:35,120
Speaker 3: All right?

975
00:46:35,160 --> 00:46:37,160
Speaker 2: I want to know you mentioned that you used to

976
00:46:37,239 --> 00:46:40,120
Speaker 2: be pretty good at after pay. Do you currently have

977
00:46:40,239 --> 00:46:42,719
Speaker 2: any debt? If so, what is it and what is

978
00:46:42,760 --> 00:46:43,000
Speaker 2: it for?

979
00:46:43,640 --> 00:46:48,200
Speaker 3: So I stopped using after pay it's been almost a year.

980
00:46:48,160 --> 00:46:49,320
Speaker 2: Now, good behavior.

981
00:46:49,480 --> 00:46:51,239
Speaker 3: Yeah, I used it for such a long time.

982
00:46:51,400 --> 00:46:53,319
Speaker 2: It just becomes a habit. It just becomes a way

983
00:46:53,440 --> 00:46:55,960
Speaker 2: that you function, right. It becomes part of your budgeting

984
00:46:56,000 --> 00:46:58,040
Speaker 2: cash flow system and it can be really hard to

985
00:46:58,120 --> 00:47:00,600
Speaker 2: move away from if you've become on it.

986
00:47:00,880 --> 00:47:03,200
Speaker 3: And see, my partner doesn't use it ever because he

987
00:47:03,360 --> 00:47:05,720
Speaker 3: always just if he needs to buy something here already

988
00:47:05,920 --> 00:47:07,840
Speaker 3: he has cash on hand or like in it that

989
00:47:07,920 --> 00:47:10,560
Speaker 3: he's already saved for, so like he's never used it.

990
00:47:10,640 --> 00:47:13,800
Speaker 3: And so, you know, as I started, you know, educating

991
00:47:13,840 --> 00:47:16,479
Speaker 3: myself a little bit more about finance and listening to things,

992
00:47:16,520 --> 00:47:18,160
Speaker 3: and then I looked at my credit score, which is

993
00:47:18,280 --> 00:47:21,040
Speaker 3: like average, it's not great, and so I was like, oh, like,

994
00:47:21,239 --> 00:47:23,520
Speaker 3: I really need to stop using this. So I stopped

995
00:47:23,600 --> 00:47:25,879
Speaker 3: using it about a year ago, and it's been great.

996
00:47:25,920 --> 00:47:27,840
Speaker 3: I haven't been tempted to use it again. Like I

997
00:47:27,920 --> 00:47:29,320
Speaker 3: feel like there were a lot of times where I

998
00:47:29,440 --> 00:47:30,759
Speaker 3: was like, I paid it off and I was like,

999
00:47:30,800 --> 00:47:32,239
Speaker 3: I'm not going to use it again, and then within

1000
00:47:32,400 --> 00:47:34,799
Speaker 3: like a month I would use it again. But yeah,

1001
00:47:34,880 --> 00:47:36,200
Speaker 3: like I haven't used it for a year. I don't

1002
00:47:36,200 --> 00:47:38,839
Speaker 3: think i'll use it again now because I've actually been

1003
00:47:38,880 --> 00:47:41,160
Speaker 3: able to put myself in a position where if I

1004
00:47:41,239 --> 00:47:43,120
Speaker 3: need to buy something, I have money sitting now, Like

1005
00:47:43,200 --> 00:47:46,239
Speaker 3: I don't need to put it over a month per se.

1006
00:47:46,640 --> 00:47:50,120
Speaker 3: I have a car loan it's currently sitting out seventeen K,

1007
00:47:50,680 --> 00:47:53,359
Speaker 3: but I pay make regular payments on that and then

1008
00:47:53,719 --> 00:47:56,800
Speaker 3: it finishes up next year. So I'm keen to just

1009
00:47:56,960 --> 00:47:58,879
Speaker 3: pay that out and then just like leave it there

1010
00:47:58,960 --> 00:48:01,080
Speaker 3: and like not get another the car loan. That's the

1011
00:48:01,120 --> 00:48:02,440
Speaker 3: only debt that I have at the moment.

1012
00:48:02,640 --> 00:48:05,319
Speaker 2: How good? All right, Yeah, it sounds like you've got

1013
00:48:05,360 --> 00:48:08,200
Speaker 2: some pretty good money habits. What would you say is

1014
00:48:08,280 --> 00:48:09,359
Speaker 2: your best money habit?

1015
00:48:09,680 --> 00:48:12,480
Speaker 3: I think, just at the moment, like the fact that

1016
00:48:12,600 --> 00:48:15,200
Speaker 3: I'm saving quite a lot of money for the wedding

1017
00:48:15,760 --> 00:48:19,440
Speaker 3: and not digging into it is just next level for

1018
00:48:19,560 --> 00:48:21,800
Speaker 3: me because that's never been the case for me for

1019
00:48:21,920 --> 00:48:24,799
Speaker 3: such a long time, for like my whole life. Basically, yeah. Wow.

1020
00:48:25,160 --> 00:48:28,279
Speaker 3: So the fact that I've been able to like get

1021
00:48:28,440 --> 00:48:32,000
Speaker 3: educated enough and like manage my self control and just

1022
00:48:32,600 --> 00:48:36,400
Speaker 3: kind of you know, not be needing to buy a

1023
00:48:36,440 --> 00:48:39,479
Speaker 3: lot of things. I think that's my best money habit

1024
00:48:39,560 --> 00:48:41,440
Speaker 3: at the moment is the fact that I'm literally not

1025
00:48:41,760 --> 00:48:43,280
Speaker 3: spending the money that I'm saving.

1026
00:48:43,320 --> 00:48:46,319
Speaker 2: See, that's a good money habit. It takes a lot

1027
00:48:46,360 --> 00:48:49,839
Speaker 2: of discipline and change for that to occur. Like, let's

1028
00:48:49,880 --> 00:48:52,200
Speaker 2: bring down the mood again, though, I want to know,

1029
00:48:52,360 --> 00:48:54,240
Speaker 2: what do you think is your worst money habit?

1030
00:48:54,560 --> 00:48:58,719
Speaker 3: So I particularly don't think I have one, to be honest,

1031
00:48:58,719 --> 00:49:02,400
Speaker 3: because I'm just amazing now. But according to my partner,

1032
00:49:02,920 --> 00:49:05,200
Speaker 3: he reckons my blest money habit is that I use

1033
00:49:05,280 --> 00:49:05,960
Speaker 3: the heater too much.

1034
00:49:06,280 --> 00:49:08,440
Speaker 2: That's not a bad money habit, that's an essential service.

1035
00:49:08,560 --> 00:49:10,160
Speaker 2: I don't know why, because I.

1036
00:49:10,200 --> 00:49:12,680
Speaker 3: Pay for it so so I don't care who you

1037
00:49:12,800 --> 00:49:13,319
Speaker 3: called here.

1038
00:49:13,320 --> 00:49:16,200
Speaker 2: I will put your like. This was an ongoing argument

1039
00:49:16,320 --> 00:49:18,800
Speaker 2: growing up for me. My dad would always set the

1040
00:49:18,840 --> 00:49:21,120
Speaker 2: heater in our house to twenty one. He would go

1041
00:49:21,200 --> 00:49:23,160
Speaker 2: to work, I'd put it up to twenty four. He

1042
00:49:23,480 --> 00:49:25,320
Speaker 2: was on his way home from work, I'd put it

1043
00:49:25,400 --> 00:49:27,920
Speaker 2: back down to twenty one. Pretend it never happens. That's

1044
00:49:28,000 --> 00:49:31,040
Speaker 2: literally me genius. I still do that. I still do that.

1045
00:49:31,160 --> 00:49:33,600
Speaker 2: The best thing about being an adult is being able

1046
00:49:33,680 --> 00:49:36,120
Speaker 2: to regulate your own heater in your own house. I know,

1047
00:49:36,560 --> 00:49:38,200
Speaker 2: I know, I'm not talking to your partner about that.

1048
00:49:38,360 --> 00:49:41,600
Speaker 2: He can have the credit for your financial literricy, but

1049
00:49:41,680 --> 00:49:44,000
Speaker 2: I'm not letting him tell you that using the heater

1050
00:49:44,080 --> 00:49:46,359
Speaker 2: too often is a bad idea one out of ten

1051
00:49:46,440 --> 00:49:47,040
Speaker 2: can't recommend.

1052
00:49:47,280 --> 00:49:52,320
Speaker 3: I also do tend to like whenever there's a scrub sale,

1053
00:49:52,480 --> 00:49:56,160
Speaker 3: so like hospital scrub. Yes, I literally have like ten

1054
00:49:56,239 --> 00:49:59,240
Speaker 3: different pairs of hospital scrubs that are all different beautiful colors,

1055
00:49:59,280 --> 00:50:02,720
Speaker 3: and I love them. I've just kind of like gone

1056
00:50:02,840 --> 00:50:07,200
Speaker 3: from not wearing professional clothes now in the hospital because

1057
00:50:07,200 --> 00:50:09,720
Speaker 3: it's just uncomfortable. And I also just had a baby

1058
00:50:09,960 --> 00:50:11,560
Speaker 3: and none of them fit me, and I don't want

1059
00:50:11,600 --> 00:50:14,120
Speaker 3: to buy new clothes, and so to buy a pair

1060
00:50:14,160 --> 00:50:17,960
Speaker 3: of scrub sets on sale is like about forty or

1061
00:50:18,040 --> 00:50:20,360
Speaker 3: fifty dollars, and so I've just kind of like, as

1062
00:50:20,440 --> 00:50:22,719
Speaker 3: I've had spare money as I go along, I've just

1063
00:50:22,800 --> 00:50:24,879
Speaker 3: kind of bore one hero or there and now that's

1064
00:50:24,920 --> 00:50:25,600
Speaker 3: my uniform.

1065
00:50:25,840 --> 00:50:27,360
Speaker 2: Now you've got a gorgeous collection.

1066
00:50:27,920 --> 00:50:31,000
Speaker 3: I mean, but if I was left to my own devices,

1067
00:50:31,080 --> 00:50:32,279
Speaker 3: I would definitely auto more.

1068
00:50:32,440 --> 00:50:35,479
Speaker 2: Yeah, that's fair. We'll try and manage that. Oh my gosh,

1069
00:50:35,600 --> 00:50:38,920
Speaker 2: this has been an epic money diary. The last question

1070
00:50:39,080 --> 00:50:42,120
Speaker 2: before we go, though, is you mentioned at the start

1071
00:50:42,280 --> 00:50:44,600
Speaker 2: of this episode that you were a bee when it

1072
00:50:44,719 --> 00:50:46,680
Speaker 2: came to grading your money habits. And I feel like

1073
00:50:46,719 --> 00:50:49,080
Speaker 2: I've learned so much about you, so much about what

1074
00:50:49,160 --> 00:50:52,839
Speaker 2: you've done for your family, but also just the fact

1075
00:50:52,840 --> 00:50:55,880
Speaker 2: that you've managed a baby, having had a mortgage historically,

1076
00:50:56,000 --> 00:50:59,400
Speaker 2: getting out of that, now having another baby, going through medicine,

1077
00:51:00,000 --> 00:51:02,879
Speaker 2: getting rid of after pay, like doing everything that you've done,

1078
00:51:03,200 --> 00:51:05,919
Speaker 2: having the side hustle that you have, and then also

1079
00:51:06,080 --> 00:51:08,680
Speaker 2: doing tutoring and having your scholarship. I feel like you

1080
00:51:08,800 --> 00:51:11,839
Speaker 2: are just way smarter at money than you probably give

1081
00:51:11,880 --> 00:51:14,960
Speaker 2: yourself credit for. Do you still think that you're a

1082
00:51:15,120 --> 00:51:18,640
Speaker 2: B and if so, why? But if not, what would

1083
00:51:18,680 --> 00:51:19,880
Speaker 2: it take to get to an A?

1084
00:51:21,200 --> 00:51:23,319
Speaker 3: Look, you've convinced me, so I feel like I can

1085
00:51:23,400 --> 00:51:25,279
Speaker 3: be an A. I know you can be an A.

1086
00:51:25,480 --> 00:51:27,520
Speaker 2: We can all be as it just takes a lot

1087
00:51:27,560 --> 00:51:28,200
Speaker 2: of work.

1088
00:51:28,600 --> 00:51:30,879
Speaker 3: It does. I feel like I'm on such a good

1089
00:51:30,920 --> 00:51:34,480
Speaker 3: trajectory now, like I'm have a good income coming in

1090
00:51:35,239 --> 00:51:38,239
Speaker 3: and next year as I start working as well as

1091
00:51:38,320 --> 00:51:41,279
Speaker 3: a doctor, like, I'll continue to have a good income.

1092
00:51:41,040 --> 00:51:42,719
Speaker 2: And it's just going to go up from there.

1093
00:51:43,080 --> 00:51:46,759
Speaker 3: Yeah, Like I really want to focus on investing a lot,

1094
00:51:47,000 --> 00:51:50,080
Speaker 3: Like I don't necessarily want to retire early, but I

1095
00:51:50,120 --> 00:51:53,440
Speaker 3: want to have a good, you know, investment portfolio with

1096
00:51:53,600 --> 00:51:57,120
Speaker 3: a good like passive income so that you know, I

1097
00:51:57,239 --> 00:52:02,279
Speaker 3: can kind of just start working part time because you know,

1098
00:52:02,360 --> 00:52:04,880
Speaker 3: spending time with my family is really important to me,

1099
00:52:05,160 --> 00:52:07,839
Speaker 3: and I don't really buy into the whole like six

1100
00:52:07,960 --> 00:52:09,200
Speaker 3: days working a week as.

1101
00:52:09,080 --> 00:52:12,320
Speaker 2: A doctor, So yeah, that's fair, especially when you have

1102
00:52:12,480 --> 00:52:15,600
Speaker 2: kids and you did drop future children, so I'm assuming

1103
00:52:15,680 --> 00:52:17,279
Speaker 2: that you're going to have more than two. And I

1104
00:52:17,320 --> 00:52:19,000
Speaker 2: feel like, yes, you're going to need a lot more

1105
00:52:19,040 --> 00:52:20,320
Speaker 2: work life balance.

1106
00:52:20,560 --> 00:52:23,439
Speaker 3: Yes, and that's huge for me. So yeah, I really

1107
00:52:23,480 --> 00:52:25,640
Speaker 3: want to set myself up so that that's possible and

1108
00:52:25,719 --> 00:52:27,560
Speaker 3: I don't need to be working for money.

1109
00:52:27,760 --> 00:52:27,920
Speaker 4: You know.

1110
00:52:28,120 --> 00:52:30,200
Speaker 2: I love this. I feel like this has been such

1111
00:52:30,280 --> 00:52:33,680
Speaker 2: a beautiful story to share with the community. Unfortunately, that

1112
00:52:33,960 --> 00:52:36,640
Speaker 2: is all we have time for today, Money direst Thank

1113
00:52:36,680 --> 00:52:39,200
Speaker 2: you so much. I'm so grateful that I get to

1114
00:52:39,239 --> 00:52:41,880
Speaker 2: share this story and that people get to learn from you,

1115
00:52:42,239 --> 00:52:44,920
Speaker 2: if not about becoming a doctor, but just about putting

1116
00:52:44,920 --> 00:52:47,160
Speaker 2: yourself out there and asking because what's the worst thing

1117
00:52:47,239 --> 00:52:49,960
Speaker 2: people can say, No, you're just calling other school and

1118
00:52:50,000 --> 00:52:51,239
Speaker 2: ask for a different scholarship.

1119
00:52:51,640 --> 00:52:53,000
Speaker 3: Thank you, thanks for having me.

1120
00:53:00,080 --> 00:53:02,400
Speaker 4: Buy shared on She's on the Money is general in

1121
00:53:02,560 --> 00:53:06,320
Speaker 4: nature and does not consider your individual circumstances. She's on

1122
00:53:06,400 --> 00:53:09,800
Speaker 4: the Money exists purely for educational purposes and should not

1123
00:53:09,920 --> 00:53:12,920
Speaker 4: be relied upon to make an investment or financial decision.

1124
00:53:13,320 --> 00:53:15,759
Speaker 4: If you do choose to buy a financial product, read

1125
00:53:15,760 --> 00:53:19,040
Speaker 4: the PDS TMD and obtain appropriate financial.

1126
00:53:18,680 --> 00:53:20,440
Speaker 2: Advice tailored towards your needs.

1127
00:53:20,840 --> 00:53:24,720
Speaker 4: Victoria Divine and She's on the Money are authorized representatives

1128
00:53:24,840 --> 00:53:28,919
Speaker 4: of Money. Sheper Pty Ltd ABN three two one six

1129
00:53:29,000 --> 00:53:32,879
Speaker 4: four nine two seven seven zero eight AFSL four five

1130
00:53:32,960 --> 00:53:34,160
Speaker 4: one two eight nine