WEBVTT - Take It or Leave It: Could Taking Stress Leave Affect My Insurances? 0:00:00.200 --> 0:00:03.240 My name's Sasha Bamblet. I'm a proud First Nations woman 0:00:03.600 --> 0:00:07.920 and I'm here to acknowledge country t Glenn Young Ganya 0:00:08.200 --> 0:00:11.920 Niana Kaka yah y and beIN Ahaka nianaka In Mbini 0:00:11.960 --> 0:00:17.720 yakarum Jar Dominyamiga Umagahawaka Woman Damon Imlan Bumba ban Gadabomba 0:00:17.800 --> 0:00:20.280 in and now in wakah ghan On yak rum Jar 0:00:20.680 --> 0:00:24.560 water Nada. Now Hello, beautiful friends, we gather on the 0:00:24.640 --> 0:00:27.960 lands of the Aboriginal people. We thank acknowledge and respect 0:00:27.960 --> 0:00:30.880 the Abiginal people's land that we're gathering on today. Take 0:00:30.920 --> 0:00:33.839 pleasure in all the land and respect all that you see. 0:00:34.600 --> 0:00:40.240 She's on the Money podcast acknowledges culture, country, community and connections, 0:00:40.960 --> 0:00:44.600 bringing you the tools, knowledge and resources for you to thrive. 0:00:45.080 --> 0:01:04.320 She's on the Money. She's on the Money. 0:01:08.080 --> 0:01:11.000 Hello and welcome to She's on the Money, the podcast 0:01:11.040 --> 0:01:15.000 that makes personal finance fun, especially on Fridays, and every 0:01:15.120 --> 0:01:17.720 Friday we get the team together to celebrate you our 0:01:17.840 --> 0:01:21.199 incredible She's on the Money community. Of course, Miss Jessic 0:01:21.200 --> 0:01:23.679 got Ricci is here sharing all of your money. Wins 0:01:23.760 --> 0:01:26.319 Beck will be bringing you the best broke tips of 0:01:26.360 --> 0:01:29.960 the entire week. We'll be also sharing an insurance related 0:01:30.000 --> 0:01:33.240 money dilemma that explores what kinds of protection you might 0:01:33.319 --> 0:01:36.920 need if you're considering taking some time off work, especially 0:01:36.959 --> 0:01:39.160 if that leave is taken in the interest of your 0:01:39.160 --> 0:01:42.320 own mental health. And finally, we're hitting the DMS to 0:01:42.360 --> 0:01:45.759 settle the question for good should you seek financial advice 0:01:46.520 --> 0:01:51.400 from an unlicensed advisor? Oh I was gonna say about that? 0:01:51.640 --> 0:01:52.240 Oh God? 0:01:52.640 --> 0:01:55.480 Remember you two can have your money dilemma explored on 0:01:55.520 --> 0:01:57.920 the pod by leaving us a voice note on our website. 0:01:58.000 --> 0:02:00.320 Simply tell us what's going on, and you might just 0:02:00.400 --> 0:02:03.440 hear yourself on a Friday Drinks episode. But more on 0:02:03.480 --> 0:02:07.360 that later. But first, my friend's a palette cleanser a 0:02:07.400 --> 0:02:10.760 five star review. There's something extra special, or I think 0:02:10.760 --> 0:02:14.359 there's something extra special about hearing from you our community 0:02:14.440 --> 0:02:17.320 directly about all the ways that you are achieving your 0:02:17.360 --> 0:02:20.080 financial goals. Not only does it mean that you're learning 0:02:20.120 --> 0:02:22.400 how to build wealth on your terms, it means that 0:02:22.480 --> 0:02:25.239 our rants and our resources are actually reaching more people 0:02:25.639 --> 0:02:29.160 in even more meaningful ways. If our little podcast has 0:02:29.200 --> 0:02:31.560 helped bring you closer to your money goals, girls, we 0:02:31.600 --> 0:02:34.639 want to hear it. Please please, please end boys to 0:02:34.720 --> 0:02:37.320 be able to stop hear from anybodybody. Please share your 0:02:37.360 --> 0:02:40.720 reviews and honestly Ego stroking comments on She's on the 0:02:40.760 --> 0:02:44.040 Money on Apple podcasts, socials, on dms, wherever you want 0:02:44.040 --> 0:02:47.240 to wax Lyrical, we are open this week's review. It 0:02:47.280 --> 0:02:49.520 comes from our friend Chantelle. Are you ready? 0:02:49.600 --> 0:02:49.680 Hi? 0:02:49.800 --> 0:02:53.920 Chantel Chantal says, and she DMed me this and I 0:02:53.960 --> 0:02:56.799 was like, I'm so grateful. Please post it on Apple. 0:02:58.480 --> 0:03:01.880 This podcast Victoria has nuinely changed my life. I found 0:03:01.960 --> 0:03:04.240 She's on the Money feeling completely behind all my money 0:03:04.280 --> 0:03:06.919 and honestly a little bit embarrassed about it. I ended 0:03:07.000 --> 0:03:09.320 up doing both the Investing master Class and the Money 0:03:09.320 --> 0:03:12.239 master Class, and for the first time, money made sense. 0:03:12.680 --> 0:03:15.840 I've since started investing, I've felt some savings, and I 0:03:15.880 --> 0:03:18.600 feel much more confident in the decisions that I've been making. 0:03:18.960 --> 0:03:21.120 It's not just about money, but it's actually been a 0:03:21.120 --> 0:03:24.280 mindset shift I didn't even know I needed. I recommend 0:03:24.320 --> 0:03:28.440 this to literally anyone who will listen. Oh isn't that cute? 0:03:29.680 --> 0:03:31.320 So stoked for you? That's amazing. 0:03:31.520 --> 0:03:34.400 Also, please keep recommending it to your arista, to your 0:03:34.400 --> 0:03:36.640 waxa like, imagine getting a leads and being like, have 0:03:36.640 --> 0:03:39.000 you heard if she's on the money. I think that's 0:03:39.040 --> 0:03:41.920 the time and the place. Yes, agreed, agreea a time 0:03:41.920 --> 0:03:45.400 and a place where it's not appropriate. Oh wait, oh 0:03:45.440 --> 0:03:48.760 wait anyway, yeah, in a funeral will be like I 0:03:48.840 --> 0:03:50.360 wonder what her life insurance. 0:03:50.120 --> 0:03:52.320 Was, Like, Hey, it's never a bad time to talk 0:03:52.360 --> 0:03:53.040 about finances. 0:03:53.120 --> 0:03:56.000 It's never a bad time never. All right, now, my friends, 0:03:56.080 --> 0:03:58.320 it is time the moment of Friday drinks where you 0:03:58.360 --> 0:04:00.840 finally get answers to the questions you have been dying 0:04:01.040 --> 0:04:06.400 to ask, money, work, insurance. It can be literally about anything. 0:04:06.440 --> 0:04:09.160 And this week's question came to us via our DMS 0:04:09.480 --> 0:04:12.800 and Sarah would like to know, my friends, what place 0:04:12.800 --> 0:04:15.240 have you traveled to that was actually really disappointing in 0:04:15.280 --> 0:04:15.760 real life? 0:04:16.160 --> 0:04:18.400 Oh it's a really good question. 0:04:18.680 --> 0:04:20.480 I have one which I've mentioned on the show before. 0:04:20.520 --> 0:04:23.680 I'm pretty sure, and it's Mexico. I will say a 0:04:23.720 --> 0:04:25.919 little bit on us because I don't think we did 0:04:26.040 --> 0:04:28.040 enough research. The hotel we were in, it was like 0:04:28.120 --> 0:04:31.160 us and four other people. One of the restaurants was 0:04:31.160 --> 0:04:33.800 always close. You could really only eat at one restaurant. 0:04:33.839 --> 0:04:36.840 It was just a very Tristy area. I think we 0:04:36.839 --> 0:04:39.279 weren't in Mexico City. We were in Plate or Carmen, 0:04:39.760 --> 0:04:41.880 and it seems I didn't realize that the only thing 0:04:41.920 --> 0:04:45.520 to do there is drink, which we were two not 0:04:45.640 --> 0:04:48.800 huge drinkers. So how is just not the right choice 0:04:48.800 --> 0:04:51.400 by us. I would like to go back and see more, 0:04:51.400 --> 0:04:53.320 because I've heard really good things about Mexico City. So 0:04:53.320 --> 0:04:54.680 it's not the country city. 0:04:54.960 --> 0:04:57.760 You are so optimistic, because I have written that off 0:04:57.960 --> 0:04:59.920 and said I'm never riding back there. 0:05:00.160 --> 0:05:03.000 No, I'm I'm assuming user error. You know what I'm saying. 0:05:03.000 --> 0:05:07.520 I think every place, every country has something incredible. 0:05:07.800 --> 0:05:12.520 I just did the country was. 0:05:13.279 --> 0:05:15.719 I know it's my upset a lot of people, but 0:05:16.160 --> 0:05:18.600 honestly like London, but I was Lire like three days 0:05:18.600 --> 0:05:20.719 and also probably user error as well, but I like 0:05:20.760 --> 0:05:22.560 went to I had to go there to do somewhere else, 0:05:22.920 --> 0:05:25.480 and so I didn't really see all there was. 0:05:25.560 --> 0:05:25.760 See. 0:05:25.800 --> 0:05:28.320 All I know is I couldn't afford to buy anything 0:05:28.320 --> 0:05:31.599 because it was so expensive and the conversions killer killer, 0:05:32.200 --> 0:05:34.640 and also went to I think I went to Big Ben. 0:05:35.000 --> 0:05:36.960 I don't know. I think I did the clock that 0:05:37.040 --> 0:05:40.039 was the clock. I was like, okay, well that's kind 0:05:40.040 --> 0:05:41.960 of cool, but yeah, I had they were just was 0:05:42.040 --> 0:05:43.480 kind of like, oh, I don't think I really need 0:05:43.520 --> 0:05:44.720 to be here for that much longer. 0:05:44.839 --> 0:05:49.600 You know, London, for whatever reason, gives Melbourne vibes to me. Yeah, 0:05:49.680 --> 0:05:52.599 maybe it's just not that different for what we like. 0:05:52.680 --> 0:05:55.680 The architecture is beautiful, like the historical architecture, but I 0:05:55.680 --> 0:05:58.479 think like the city vibe reminded me a lot of home, 0:05:58.839 --> 0:06:01.279 which is why so many move over there to live. 0:06:01.360 --> 0:06:03.960 Really, that is so true, and also probably why it 0:06:04.040 --> 0:06:06.960 felt so not that exciting because I was like, Okay, 0:06:07.040 --> 0:06:10.919 culturally and aesthetically, I'm basically in Melbourne. 0:06:10.960 --> 0:06:13.960 Maybe what that feeling is. And when I'm paying a 0:06:13.960 --> 0:06:15.640 lot more for that experience. 0:06:15.640 --> 0:06:20.239 Double the price to be here, Oh yeah. 0:06:18.800 --> 0:06:21.800 I feel bad. I feel really bad because I just 0:06:23.200 --> 0:06:26.440 traveling is a privilege, Like we're so lucky to experience this, 0:06:26.640 --> 0:06:30.359 and I'm about to poop all over something. And I 0:06:30.440 --> 0:06:33.240 also know that the location I'm about to disclose someone 0:06:33.600 --> 0:06:36.200 listening has probably picked it for their like honeymoon or something, 0:06:36.279 --> 0:06:39.400 and they're like, wait, what Victoria caveat This was like 0:06:39.440 --> 0:06:41.479 more than ten years ago. This was probably like fifteen 0:06:41.480 --> 0:06:44.120 nearly twenty years ago, which it's honestly no, not even 0:06:44.160 --> 0:06:47.240 twenty maybe fifteen years ago. I'm being dramatic. It's Peepee 0:06:47.279 --> 0:06:52.440 Island in Thailand. He b Island, Pib Island, and if 0:06:52.480 --> 0:06:57.360 you google this location, it's stunning, gorgeous, like white crystal, 0:06:57.400 --> 0:07:03.719 white beaches, jounning like the photos are like next level 0:07:04.440 --> 0:07:08.280 the water, blue glustening. You just think island time, you think, 0:07:08.520 --> 0:07:12.720 oh incredible. Anyway, got there and again maybe user experience 0:07:12.800 --> 0:07:15.880 of the entire island. I was with an ex boyfriend 0:07:16.000 --> 0:07:20.600 traveling and we did Thailand. Adored Thailand, and they're more like, 0:07:20.600 --> 0:07:23.520 we're going to fly to Pep Island. It's more expensive locations, 0:07:23.520 --> 0:07:25.680 so we're going to spend less time there, and we 0:07:25.760 --> 0:07:28.920 researched like resorts. He mainly researched the resort that we 0:07:29.160 --> 0:07:33.360 picked because I would have read every single trip Advisor review. Yeah, 0:07:33.440 --> 0:07:36.840 we got bed bugs on which was one out of ten. 0:07:36.960 --> 0:07:39.760 We had to move hotels because I discovered the bed bugs, 0:07:39.800 --> 0:07:41.800 and then I looked up the reviews on trip Advisor 0:07:42.040 --> 0:07:44.720 and everyone reiterated those bed bugs. Turns out there's bed 0:07:44.720 --> 0:07:47.560 bugs all over the island and basically every hotel had 0:07:47.560 --> 0:07:50.000 them at that point in time, so we couldn't escape 0:07:50.000 --> 0:07:52.000 the problem, and we were stuck on an island. And 0:07:52.040 --> 0:07:55.320 then the beach was just it wasn't pristine. It was 0:07:55.360 --> 0:07:57.840 full of people, people that were trying to charge me, 0:07:57.880 --> 0:08:00.920 people that were trying to scam me. It was just 0:08:01.040 --> 0:08:03.480 so overwhelming, like you couldn't just go for a serene 0:08:03.520 --> 0:08:06.240 swim because it was full of just people, like back 0:08:06.280 --> 0:08:09.400 to back people. And yeah, nothing about it was good. 0:08:09.480 --> 0:08:11.640 And then I got food poisoning, and I remember being like, 0:08:12.160 --> 0:08:13.559 I don't think it can get worse. 0:08:13.960 --> 0:08:16.679 That would truly just take the place you're in forever. 0:08:16.800 --> 0:08:19.720 I fed bugs when you want to lay down, but 0:08:19.800 --> 0:08:22.440 you have food poisoning. It's not the experience I wei 0:08:22.440 --> 0:08:25.960 show even my worst enemy. Oh I don't even have 0:08:26.000 --> 0:08:31.000 a worst enemy. So yeah, that's the place that didn't 0:08:31.040 --> 0:08:32.000 live up to the hype. 0:08:32.240 --> 0:08:36.640 Okay, cool, good to sometimes hear the flip side of things. Yeah, 0:08:36.840 --> 0:08:38.800 I mean, I feel like most people just want to 0:08:38.800 --> 0:08:40.480 travel everyhere. I know, I want to travel everywhere, and 0:08:40.559 --> 0:08:43.280 sometimes it's good to temper, you know, the Instagram with 0:08:43.280 --> 0:08:44.640 a little bit of reality. 0:08:44.600 --> 0:08:48.440 Yeah, I agreed, absolutely. Yeah. All right, well, guys, if 0:08:48.480 --> 0:08:51.160 you've got a question that you need answered on the pod, 0:08:51.280 --> 0:08:53.480 please send them through. We love reading your comments and 0:08:53.520 --> 0:08:56.960 your queries. Honestly, the more unhinged the better. Now, Miss 0:08:57.080 --> 0:09:00.840 Jessica Ricies, tell me about this week's money Lady. 0:09:01.000 --> 0:09:03.040 Firstly, this week I have one from Emily who said 0:09:03.080 --> 0:09:05.880 I have been I am off a Nation balance bike 0:09:06.040 --> 0:09:09.400 for baby boys first birthday. Came across one on marketplace 0:09:09.440 --> 0:09:12.679 for thirty dollars, which is half priced, and she didn't 0:09:12.679 --> 0:09:14.760 have to pay for shipping. It was only just around 0:09:14.800 --> 0:09:16.360 the corner, so she walked over to pick it up 0:09:16.360 --> 0:09:18.080 so it didn't even have to spend money on fuel 0:09:18.200 --> 0:09:19.600 money in Do you know that's. 0:09:19.400 --> 0:09:22.600 Exactly what I've been manifesting on Facebook Marketplace this week. Yeah, 0:09:22.600 --> 0:09:23.840 but I want the cruisy one. 0:09:23.840 --> 0:09:25.800 It's quite a mouthful. What is it. 0:09:25.800 --> 0:09:29.400 It's just like a little kid's balance bike, so it's 0:09:29.440 --> 0:09:32.440 like basically think of a normal bike, shrink it and 0:09:32.520 --> 0:09:35.720 remove the pedals so they kind of like balance on it, 0:09:36.080 --> 0:09:39.480 and they're really light, so you can kind of toddler's. 0:09:39.720 --> 0:09:42.440 Toddlers suck. They say, no, I really want my bike. 0:09:42.480 --> 0:09:44.360 I really want my bike. Beckall, I have to take 0:09:44.400 --> 0:09:46.520 my bike and then you get five minutes into the 0:09:46.559 --> 0:09:50.120 walk and they're like, I want to be carried so 0:09:50.720 --> 0:09:53.520 really light bike. So that's an important one. Yeah, to 0:09:54.000 --> 0:09:56.560 pick up and take places because like, girl, you're going 0:09:56.640 --> 0:09:59.480 to be carrying the baby and the bike anyway I 0:09:59.520 --> 0:10:03.640 will for thirty bucks is a good deal, got you okay? 0:10:04.080 --> 0:10:06.240 Next, I've got a money in from Orlanda who said 0:10:06.360 --> 0:10:08.360 she's been taking the kids to the movies and got 0:10:08.400 --> 0:10:11.280 a family ticket which saved us some money, and she 0:10:11.520 --> 0:10:14.440 also managed to save by getting a voucher through shop 0:10:14.520 --> 0:10:17.080 Back using her shop back credits. 0:10:17.160 --> 0:10:17.480 Very good. 0:10:17.520 --> 0:10:19.320 I feel lots of people are doing movies with the 0:10:19.360 --> 0:10:21.400 kids on school holidays and things like that, so that's 0:10:21.440 --> 0:10:24.000 a good ear. Next, I've got a money in from Jane, 0:10:24.040 --> 0:10:25.880 who said my partner and I were planning on heading 0:10:25.880 --> 0:10:28.280 to a Kia to buy three chairs for our new office. 0:10:28.440 --> 0:10:31.240 Wooli's had twenty times points on the Ultimate gift cards, 0:10:31.280 --> 0:10:33.559 so I bought four hundred dollars worth and got forty 0:10:33.559 --> 0:10:36.600 bucks straight back in Woolies dollars, which are banked for Christmas. 0:10:37.040 --> 0:10:39.680 Then they went in store, they tried the chair and 0:10:39.760 --> 0:10:41.880 it was so uncomfortable they ended up getting a different 0:10:41.920 --> 0:10:44.240 one that was a third of the cost. So a 0:10:44.280 --> 0:10:46.160 twelve hundred dollar shop turned into a seven hundred and 0:10:46.200 --> 0:10:46.960 sixty dollars shop. 0:10:46.960 --> 0:10:49.760 Oh money, I'm so sorry the one that you liked 0:10:49.840 --> 0:10:50.680 didn't work out. 0:10:50.840 --> 0:10:51.040 Yeah. 0:10:51.280 --> 0:10:53.720 Happy. I also, yeah, it was a cheap bar that 0:10:53.760 --> 0:10:56.040 you lacked next time. I've got this from Die who 0:10:56.040 --> 0:10:57.880 said last week we were gonna have take away for dinner, 0:10:57.920 --> 0:10:59.960 but realized we'd had it in the past two weekend. 0:11:00.200 --> 0:11:02.400 So my husband went to the shops on his way home, 0:11:02.679 --> 0:11:04.960 purchased some chicken for twelve dollars and made wraps from 0:11:05.000 --> 0:11:08.240 the ingredients we already had. Takeaway normally cost our family 0:11:08.280 --> 0:11:10.040 fifty to sixty bucks instead of twelve. 0:11:10.320 --> 0:11:11.760 It's getting so expensive. 0:11:12.679 --> 0:11:16.000 Tell me why going to McDonald's is what once upon 0:11:16.040 --> 0:11:17.600 a time you would have paid at like your local 0:11:17.920 --> 0:11:20.600 Mexican restaurant. It's so expensive. 0:11:20.679 --> 0:11:24.240 I were into a Burgo restaurant yesterday for our work 0:11:24.320 --> 0:11:26.640 lunch chess and I was like, oh, yeah, I'll just 0:11:26.679 --> 0:11:28.320 have that burger and those chips, and they're like, oh, 0:11:28.360 --> 0:11:29.440 do you want to make it a combat and I 0:11:29.440 --> 0:11:30.760 was like, no, I don't need the drink and salt. 0:11:30.800 --> 0:11:32.280 Go thanks for drink. What do when I get back 0:11:32.280 --> 0:11:35.560 to the office twenty seven dollars. Still it's crazy. Sorry, 0:11:35.559 --> 0:11:37.559 what I know, Like I remember just looking at it 0:11:37.600 --> 0:11:41.520 and being like, okay, Like not again. Maybe we should 0:11:41.559 --> 0:11:45.319 have like a little fake away series. Like I keep 0:11:45.320 --> 0:11:47.280 getting in trouble because I suggest things that we should 0:11:47.320 --> 0:11:49.720 do on the podcast that gives the team more work. 0:11:49.960 --> 0:11:52.920 But like fake away, But I want fake away meals 0:11:52.920 --> 0:11:55.560 that I can buy and put in the freezer so 0:11:55.600 --> 0:11:58.480 they're not like a planned meal, They're just like a 0:11:58.559 --> 0:12:01.679 freezer meal back up. But I'm like, oh, we can 0:12:01.760 --> 0:12:04.160 have that fake away. Yeah, every time I tempted. 0:12:04.520 --> 0:12:07.000 I'll tell you what, There's nothing quite as if you 0:12:07.040 --> 0:12:08.959 have like those frozen fish fillids you can have like 0:12:09.000 --> 0:12:10.840 an air fry and it does feel like you've gotten 0:12:11.320 --> 0:12:12.640 You've gotten a fake away. 0:12:12.840 --> 0:12:15.680 Yeah exactly. But maybe we put together our favorite fake 0:12:15.720 --> 0:12:18.760 away meal based on things that we can either prep 0:12:18.800 --> 0:12:21.360 and freeze. And I'm saying that because I know Jess 0:12:21.480 --> 0:12:26.960 makes her homemade dumplings. Anything just makes this good. So 0:12:27.000 --> 0:12:28.920 I'm basically like, hey, can we have all your resbees 0:12:29.000 --> 0:12:31.160 jest me and. 0:12:31.160 --> 0:12:32.240 My freezer, my air fryer. 0:12:32.360 --> 0:12:32.840 I like this. 0:12:33.040 --> 0:12:36.240 Let me tell you all right, next, I've got the 0:12:36.280 --> 0:12:38.360 money in from c who said when KO put their 0:12:38.360 --> 0:12:40.400 prices up to sixty dollars a month for premium, she 0:12:40.440 --> 0:12:43.160 went to cancel, and I offered her a thirty dollars 0:12:43.200 --> 0:12:46.800 discount a month to stay that price. She said, try 0:12:46.840 --> 0:12:49.160 canceling your subscriptions. You might get a discount before you 0:12:49.200 --> 0:12:50.120 actually have to cancel it. 0:12:50.280 --> 0:12:50.880 Yes, I agreed. 0:12:51.000 --> 0:12:53.360 I do test that even when I don't want to cancel, 0:12:53.440 --> 0:12:55.480 and what would happen if and then I click it 0:12:55.520 --> 0:12:57.360 and they're like, oh, we will give you, you know, 0:12:57.440 --> 0:13:01.000 fifty percent off next month. Thanks, And I was like, okay, bye, 0:13:01.160 --> 0:13:03.880 I'm just testing you. I was also being a pest 0:13:03.920 --> 0:13:06.760 the other day. Sorry side note, my phone bill went 0:13:06.880 --> 0:13:10.200 up and so I got on the chat. I'm like, 0:13:10.640 --> 0:13:14.560 it's Sunday, I'm breastfeeding a baby girl. I have nothing 0:13:14.600 --> 0:13:17.960 but time. I am ready for this conversation. So I'm 0:13:18.040 --> 0:13:21.480 messaging the phone company I'm with and I was like, 0:13:21.520 --> 0:13:23.640 I want a better deal, and they were like, cool, 0:13:23.720 --> 0:13:26.120 we can basically off you ten dollars off a month 0:13:26.200 --> 0:13:28.280 for the next six months. And I was like nope, 0:13:28.480 --> 0:13:31.240 I just googled it and you're offering this here, and 0:13:31.280 --> 0:13:33.880 this here and this for new customers, and they were like, 0:13:34.120 --> 0:13:37.000 that's a new customer deal and I said, I was like, 0:13:37.080 --> 0:13:38.960 you know what, this is probably not the right thing 0:13:39.000 --> 0:13:40.880 to do. But I was like, so you don't value 0:13:40.960 --> 0:13:45.440 me as much as you do new customers. And they 0:13:45.480 --> 0:13:48.920 were like, oh no, we definitely value your ongoing service 0:13:49.000 --> 0:13:51.679 or whatever. And I said, so give me a better deal. 0:13:51.880 --> 0:13:54.480 Who all of a sudden, we're like, no worries, We're 0:13:54.480 --> 0:13:57.920 going to transfer you to the customer retention team. I said, 0:13:58.000 --> 0:14:01.520 no worries again, I have nothing but time on this bright, sunny, 0:14:01.600 --> 0:14:05.920 rainy Sunday. And yeah, ended up getting the price of 0:14:05.960 --> 0:14:07.840 the new customer for the next twelve fronths. 0:14:08.200 --> 0:14:09.080 Oh my god, love that. 0:14:09.320 --> 0:14:11.800 You just keep pushing. I wasn't rude, but I was like, oh, 0:14:11.840 --> 0:14:13.480 so you're trying to tell me that you don't value 0:14:13.520 --> 0:14:16.480 me as much as a brand new customer their heartstrings. 0:14:16.520 --> 0:14:17.360 It's so crazy. 0:14:17.400 --> 0:14:19.800 And then I quickly googled while I was on chat 0:14:20.000 --> 0:14:21.960 what other companies were doing, and I was like, oh, 0:14:22.000 --> 0:14:26.120 well this was doing this. Could you do this? That's 0:14:26.160 --> 0:14:30.800 clever anyway, We're smarter, not harder. Absolutely, we're not even smarter. 0:14:30.960 --> 0:14:33.840 Just questioning their morals, Yes, it worked. 0:14:34.560 --> 0:14:36.720 When the last fails, go for the heart exactly exact, 0:14:37.080 --> 0:14:39.480 exactly last of this week, I've got a money lost 0:14:39.520 --> 0:14:43.000 from Amanda who said their washing machine died. However, she's 0:14:43.040 --> 0:14:45.680 thankful that passed. Her set up an emergency fund and 0:14:45.720 --> 0:14:47.520 she was able to go shopping for a new washer 0:14:47.720 --> 0:14:49.960 without having to dip into savings or use credit, and 0:14:50.000 --> 0:14:53.960 their budget is still on track. I live in constant 0:14:53.960 --> 0:14:56.240 fee out of the day my washing machine dies. The 0:14:56.280 --> 0:14:59.240 sound that that thing makes, I can't even tell you, guys, 0:14:59.320 --> 0:15:01.600 it's gonna be a fair, very very bleak day for me. 0:15:02.640 --> 0:15:05.120 The rocket ship finally leaves for the moon. That's what 0:15:05.240 --> 0:15:06.160 it sounds like. 0:15:07.440 --> 0:15:09.120 Why goods are so expensive? 0:15:11.000 --> 0:15:14.760 Maybe I will get a new one. Sorry, like three 0:15:14.800 --> 0:15:15.480 thousand dollars. 0:15:15.480 --> 0:15:21.840 It's actually insect in my head. I promise. I don't 0:15:21.880 --> 0:15:24.800 need to touch grass. I promise, Like I know how 0:15:24.880 --> 0:15:27.240 much things cost, but I have in the back of 0:15:27.280 --> 0:15:30.440 my head how much things should cost. Yeah, and maybe 0:15:30.440 --> 0:15:32.240 this is from like I don't know, maybe I'm stuck 0:15:32.240 --> 0:15:34.520 in two thousand and nine or twenty ten when these 0:15:34.560 --> 0:15:39.080 prices were accurate. In my head, washing machine six hundred dollars. 0:15:39.760 --> 0:15:41.600 Fairy is to wash a dryer because I feel people to be. 0:15:42.840 --> 0:15:45.120 That's a thousand dollars in my head, Yeah, that's expensive. 0:15:46.800 --> 0:15:50.400 That's not true. No, that's not true. I promise I 0:15:50.400 --> 0:15:52.440 don't need to touch grass. I know that's not accurate, 0:15:52.520 --> 0:15:54.680 but like, I just have the default setting in my head, 0:15:54.880 --> 0:15:57.400 so immediately when I see the price, I'm offended. 0:15:57.600 --> 0:16:00.840 Yeah yeah, so Amanda, proud of your girl. 0:16:00.920 --> 0:16:02.920 I just offended myself so easily. 0:16:04.320 --> 0:16:05.120 We have a fine one. 0:16:05.560 --> 0:16:07.640 There's a market place and this is the thing, guys, 0:16:07.680 --> 0:16:09.760 you gonna get me in a rant. I got this 0:16:09.840 --> 0:16:14.160 question machine six or seven years ago, which is a while. 0:16:14.720 --> 0:16:15.680 I understand. 0:16:15.960 --> 0:16:18.640 No use washing machine as lasted forty years. I want 0:16:18.640 --> 0:16:19.479 the same longevity. 0:16:19.520 --> 0:16:22.240 I'm like, when you're paying thousand, thousands of dollars or something, 0:16:22.320 --> 0:16:24.600 that doesn't feel reasonable. And so I worry that if 0:16:24.640 --> 0:16:27.040 I get a second hand one. You know, I love 0:16:27.120 --> 0:16:28.760 something like a second hand item, But I'm like, well, 0:16:28.760 --> 0:16:30.880 if my brand new one only kind of made it 0:16:30.920 --> 0:16:35.080 through you know how many years, what's a second hand one? 0:16:35.160 --> 0:16:35.560 I don't know. 0:16:35.880 --> 0:16:37.640 Yeah that makes sense. That actually doesn't make a lot 0:16:37.640 --> 0:16:37.920 of sense. 0:16:37.960 --> 0:16:40.000 But if you do buy a second hand one, yes, 0:16:40.200 --> 0:16:42.520 call me. I'll teach you how to clean it perfect. 0:16:42.640 --> 0:16:47.600 Okay, I'll be yeah, probably not any type. I will wait, 0:16:47.640 --> 0:16:48.480 I will call you. 0:16:48.320 --> 0:16:50.400 Well, I can teach you how to clean your current one. 0:16:50.440 --> 0:16:50.840 Amazing. 0:16:52.200 --> 0:16:54.040 What have you got as a broke tip this week 0:16:54.160 --> 0:16:56.440 or even three broke tips that you'd like to share 0:16:56.440 --> 0:16:58.680 with us this week? Miss Beck say absolutely so. 0:16:59.120 --> 0:17:01.560 This first one come from Oh gosh, I'm so sorry. 0:17:02.040 --> 0:17:03.840 Maybe you're listening to this. You did send me this. 0:17:04.000 --> 0:17:06.120 You'll know who you are, and I know who you are, 0:17:06.119 --> 0:17:07.840 but I can't remember your name off the top of 0:17:07.880 --> 0:17:09.800 my head. But I'm just gonna call you mail for 0:17:09.880 --> 0:17:13.160 now because I have the reel that you sent me open, 0:17:13.280 --> 0:17:17.800 but not our chat. So this is a I guess 0:17:17.840 --> 0:17:20.879 like a mother with a teenage child, and it's like 0:17:20.920 --> 0:17:23.760 a silly one. It's like if your teenager needs driving hours, 0:17:24.000 --> 0:17:26.280 but you also really want to get your bread store dash. 0:17:26.720 --> 0:17:29.800 Then you smack them together and you save money by 0:17:29.840 --> 0:17:34.440 not getting delivery. You make your teenage loaner driver take 0:17:34.520 --> 0:17:35.160 you to the place. 0:17:35.400 --> 0:17:35.760 Brilliant. 0:17:37.040 --> 0:17:40.119 Yes, you get those hours up. You got those hours up, 0:17:40.119 --> 0:17:42.360 and you save on I don't know how much. It's 0:17:42.400 --> 0:17:44.720 like the food itself on Uber eats is like a 0:17:44.760 --> 0:17:46.919 lot more expensive than when you actually go, so that 0:17:46.960 --> 0:17:49.280 you save me a lot of money, and also killing 0:17:49.280 --> 0:17:52.240 two birds with one stone. This actually comes from Eryl, 0:17:52.560 --> 0:17:55.320 who sent me a reel from Abby Echol, and some 0:17:55.359 --> 0:17:57.640 people may follow Abby Echole, but basically she's saying, if 0:17:57.640 --> 0:17:59.960 I wanted to divorce my husband but couldn't for financial reason, 0:18:00.080 --> 0:18:01.600 and here is exactly. 0:18:01.200 --> 0:18:01.680 What I do. 0:18:01.720 --> 0:18:04.240 And it's a list of advice for this kind of thing. 0:18:04.320 --> 0:18:06.520 So it's like, I mean, I fear it won't be 0:18:06.560 --> 0:18:09.360 applicable to everyone. Some people are in really really die 0:18:09.440 --> 0:18:12.280 situations and some people are in like you know, financial 0:18:12.560 --> 0:18:14.520 abuse situations. 0:18:14.119 --> 0:18:17.760 So this might be more for but more advice, more better, more, Yes, exactly, 0:18:17.800 --> 0:18:20.400 and let's just keep talking about different options and one 0:18:20.440 --> 0:18:22.760 will stick for something exactly exactly. 0:18:22.920 --> 0:18:25.080 So I guess like I'll maybe I'll give the real 0:18:25.200 --> 0:18:29.560 link and you guys can pretty sure just because I guess, 0:18:29.600 --> 0:18:31.920 like I won't write off tips and tricks. But yes, 0:18:31.960 --> 0:18:33.720 I think it's it's it's really good and if you 0:18:34.000 --> 0:18:36.119 just want to go find it, Abby Echo A B 0:18:36.240 --> 0:18:38.520 B Y E C K E L. I thought it 0:18:38.560 --> 0:18:40.200 was a great, a great idea because a lot of 0:18:40.200 --> 0:18:42.200 people are probably in this situation where they just can't 0:18:42.240 --> 0:18:44.119 financially leave and it's really tricky. 0:18:44.320 --> 0:18:47.080 This is going to link back. I did an episode 0:18:47.119 --> 0:18:49.320