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Speaker 1: My name's Atasha Bamblet. I'm a proud First Nations woman

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Speaker 1: and I'm here to acknowledge country t Glenn Young Ganya

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Speaker 1: Nianar Kaka yah y and beIN Ahaka nian Our gay

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Speaker 1: In Mbini yakarum Jar Dominyamiga Umagahawaka Woman Damon imlan Bumba

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Speaker 1: ban Gadabomba in and now in wakah ghan On yakram

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Speaker 1: jar water Nadaa. Hello, beautiful friends, we gather on the

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Speaker 1: lands of the Aboriginal people. We thank, acknowledge and respect

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Speaker 1: the Aberiginal people's land that we're gathering on today. Take

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Speaker 1: pleasure in all the land and respect all that you see.

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Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections,

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Speaker 1: bringing you the tools, knowledge and resources for you to thrive.

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

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Speaker 2: welcome to She's on the Money, the podcast that makes

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Speaker 2: personal finance fun, especially on Fridays. It is our favorite

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Speaker 2: day of the week because we get the team together

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Speaker 2: and celebrate you the incredible. She's on the Money community,

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Speaker 2: Miss Jess Gricci, She's here sharing our favorite money wins.

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Speaker 2: Miss beck Sayeed is sharing her broke tips, and we're

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Speaker 2: going to be helping to answer a money dilemma which

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Speaker 2: is all about managing money from a side hustle, which

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Speaker 2: I think is set up perfectly for you this week,

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Speaker 2: Beck and something you slid into our dams out wait

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Speaker 2: for it, whether your choice of partner is actually the

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Speaker 2: biggest financial decision you'll ever make. Anyway, I am excited

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Speaker 2: to talk about that one, because I don't know. A

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Speaker 2: man's not a financial plan, but could he be? How

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Speaker 2: are your wings? My week's think, quid.

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Speaker 3: I unfortunately caught the bug that seems to you're doing

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Speaker 3: the rounds.

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Speaker 2: I thought you were about to say I caught the bus,

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Speaker 2: so I'm sorry, Jess. That's so funny.

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Speaker 4: I can just imagine you look like watching you from

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Speaker 4: behind the bus, like you know, when the bus, kind.

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Speaker 2: Of like jumping just running for a bus too. Oh.

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Speaker 3: I've definitely running for a bus in my day. Absolutely

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Speaker 3: so funny. No call the bug that's been doing the

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Speaker 3: rounds this time of year, I think, which is a

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Speaker 3: bit unfortunate. I'm just spent the last couple of days

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Speaker 3: in bed, to be honest, but I've got a lot

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Speaker 3: of reading done, which was nice. A lot of sleepy

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Speaker 3: so productive.

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Speaker 2: Still confuses me. She messages me and goes, can I

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Speaker 2: please have a sick day? Sorry? I'm sorry. If you're

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Speaker 2: having a sick day, you don't ask your boss. You

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Speaker 2: tell your boss, you call your boss, or you text

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Speaker 2: your boss and say, hey, I'm not well, I am

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Speaker 2: not coming in. But miss jessical Riki is like, actually,

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Speaker 2: really sick? Would it be okay for I don't do work? Yes?

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Speaker 2: At what point are you going to learn?

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Speaker 3: And I know like you would also never say no,

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Speaker 3: but I just feel like the polite thing to do

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Speaker 3: is to ask.

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Speaker 2: That's a cute when you're like, yes, just take the day.

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Speaker 1: Ba.

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Speaker 2: Yeah, So do you need some memes? I may help.

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Speaker 2: That's so sweet, Chief memes ender. How's your way back? Well,

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Speaker 2: my week's been a little bit wild. Actually.

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Speaker 4: I was offered a literally just four weeks of work

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Speaker 4: at the ABC, which I've always wanted to work always. Yeah,

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Speaker 4: but I told my boss and she said, well, you

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Speaker 4: have to resign if you do that, And then I

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Speaker 4: was like, well it would be against your contract right

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Speaker 4: for another network it would, And so I don't have

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Speaker 4: any saying.

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Speaker 2: Apparently the opportunity was too good to say no to yes.

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Speaker 2: I don't have savings.

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Speaker 4: I don't have a job lined up after that. I

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Speaker 4: will be unemployed for sure come August eighth. But I

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Speaker 4: did resign me so much anxiety that is, okay.

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Speaker 3: We're manifesting. You're just going to slay your job so

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Speaker 3: hard to offer you a full.

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Speaker 2: Time surely you are going to run rings around it.

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Speaker 2: I just know, no, love you, We love you, So

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Speaker 2: it just makes sense. It's so nice, thank you so much.

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Speaker 2: Oh my god, you guys so fingers crossed. Honestly, I

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Speaker 2: don't feel a single bit of stress about it. Maybe

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Speaker 2: it's just because it doesn't feel real yet. That's correct

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Speaker 2: when it happens, I might feel stressed. Else Chill, it's

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Speaker 2: so chill. I love that. So I actually feel really good.

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Speaker 2: It's been a really good week. And what about UVD.

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Speaker 2: I have an extra needy dog today. Yeah, we do

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Speaker 2: video now. And I just think that I don't know

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Speaker 2: what's gotten into her. I think she just doesn't like

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Speaker 2: it's been raining a lot today. She just seems to

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Speaker 2: want to sit on me, and she keeps knocking my

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Speaker 2: mic out of my hands, and she doesn't have literally

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Speaker 2: no respect anyway, you can't see her. But like, just

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Speaker 2: imagine a dog, a very large dog, trying to sit

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Speaker 2: on my lap and also knock my mic around. Do

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Speaker 2: you know what, I'm not gonna lie. What do you

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Speaker 2: mean it's the new financial year? What do you mean

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Speaker 2: it is July? What do you mean We're in the

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Speaker 2: second half of the year. What do you mean we're

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Speaker 2: in third quarter? No, it's crazy. No, I want I

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Speaker 2: want to do again. I want to repeat. I just

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Speaker 2: the first six months flew by, and I feel like

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Speaker 2: it's only just started to hit me and like lame.

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Speaker 2: But like I had so many plans and I've done

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Speaker 2: none of them, haven't we all? We're all.

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Speaker 3: I feel like everyone's probably in the same boat on

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Speaker 3: that one.

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Speaker 1: I'm going to.

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Speaker 2: BALI so like there's something to look forward to. Cool, Yeah,

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Speaker 2: I know, right.

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Speaker 4: But then then it's almost the end of the year,

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Speaker 4: which means that you have the whole other year.

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Speaker 2: Next month is August, and August is basically December, and

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Speaker 2: December is basically twenty twenty six. It's almost Christmas time too,

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Speaker 2: you too need to calm down. And also it's probably

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Speaker 2: a good reminder that if you don't have your Christmas

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Speaker 2: savings account set up right now, now is the time.

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Speaker 2: That's a really good reminder.

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Speaker 1: Thank you.

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Speaker 2: I will be saving for Christmas and absolutely nothing else.

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Speaker 2: I'm excited. I'm so excited. I love my fair Speaking

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Speaker 2: of love, we had another five star review. Would you

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Speaker 2: guys like to hear it? Yes, okay, this one is

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Speaker 2: from Jess Great Name, five stars love. I'm a new list.

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Speaker 2: I can't believe I've only just come across you guys.

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Speaker 3: Now.

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Speaker 2: I'm absorbing every single episode and I'm taking notes too.

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Speaker 2: I love it with my new friend, treat name, great Name.

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Speaker 2: That's very Jest to take notes. I feel like Jess

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Speaker 2: would never turn any Jess would never turn up to

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Speaker 2: a meeting without a notebook like that's it's like a

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Speaker 2: poor personality trait. Yeah, if all have notebooks, you're all prepared.

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Speaker 2: And I don't think i've met a Jest that was mean.

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Speaker 4: No, I completely agree. I never met a chaotic, irresponsible Jess. No,

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Speaker 4: I've never met a chaotic Jess.

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Speaker 2: Never. Never. If you're a chaotic Jest, slight into my dear.

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Speaker 3: Yes, I'm sure we're out there, absolutely all right.

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Speaker 2: Mister money, Wins and Confessions. What's the community got this week?

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Speaker 4: Alrighty.

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Speaker 3: First of this week, I've got one from Ashley who

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Speaker 3: said she had a Koala office chair that she wanted

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Speaker 3: to sell on Marketplace, but the guest lift broke. She

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Speaker 3: knew that it was still under warranty and that she'd

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Speaker 3: get more for it if she got that fixed, so

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Speaker 3: she sent Koala a message and was told they don't

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Speaker 3: make the chair anymore, so they can't send out the

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Speaker 3: spare part, but instead they'd come and collect it from

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Speaker 3: her and give her a full refund.

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Speaker 2: Sorry what so how good is that for?

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Speaker 3: So she got all her money back and didn't even

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Speaker 3: need to tell it a marketplace.

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Speaker 2: She sold it back to Kuala.

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Speaker 3: She literally sold it back to Koala.

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Speaker 2: I just want the amount that she purchased it for.

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Speaker 2: So basically she got a free chair. It broke, she

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Speaker 2: sent it back, got all her money back.

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Speaker 3: The definition of a money winner.

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Speaker 2: Is a good deal, honestly, that is. I feel like

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Speaker 2: in twenty twenty five, all I hear is like companies

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Speaker 2: with bad exchange policies, or like people who have really

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Speaker 2: bad refunds like No not Kwala.

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Speaker 3: Apparently we love it when a company looks after their people. Next,

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Speaker 3: I've got a money in from Beck who said money Win.

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Speaker 3: I've been wanting a dice an air rap for over

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Speaker 3: a year. Go I get it, and I've been looking

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Speaker 3: at all of the pros and cons and decided I

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Speaker 3: would most likely do it when I saw that it

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Speaker 3: came down on sale from eight hundred and forty nine

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Speaker 3: to five hundred and ninety six. She's been putting money aside. Yeah,

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Speaker 3: good deal, she said. She's also very into googling discount codes,

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Speaker 3: and you should be. She found an additional code brought

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Speaker 3: it down to five hundred dollars.

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Speaker 2: Okay, good deal.

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Speaker 3: She says she felt like a saving her three hundred

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Speaker 3: and forty nine dollars is pretty great for something she'll

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Speaker 3: use every week.

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Speaker 2: Adore. Well done.

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Speaker 3: Next, I've got money win from Belinda, who said, you

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Speaker 3: finally got herself one of those Baker's Delight too good

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Speaker 3: to go bags.

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Speaker 2: I really want to do that, but I haven't. I

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Speaker 2: haven't done it yet, and I also know that I

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Speaker 2: will eat absolutely everything in there, like I just know

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Speaker 2: that that I don't need it. Well, she gave us

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Speaker 2: little peak of what so.

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Speaker 3: She had one loaf of bread, six bread rolls, four

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Speaker 3: sweet scrolls, and two savory rolls much for nine nine nine?

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Speaker 1: No?

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Speaker 2: Absolutely, my god, like six rolls easy, you already got

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Speaker 2: your life. They're like more than a dollar nowadays, so

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Speaker 2: it's insane, or I think that's insane for some flour

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Speaker 2: and some seven dollars at least for a loaf of

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Speaker 2: bread from Bakers Toll. I'm sorry. Baker's delight, I do

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Speaker 2: love you. I love Bakings Talk. So they're TikTok girl.

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Speaker 2: They're like a social media manager. Her name's Madeline. I

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Speaker 2: don't know how to do because I follow them on TikTok. Anyway,

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Speaker 2: do you want to know more goss about Madeline? Any

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Speaker 2: I feel like I know her from I don't know when.

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Speaker 2: Maybe we are like you know those faces where you're like,

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Speaker 2: I know this girl, I reckon I worked with her

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Speaker 2: in retail at some point or did something. We've crossed pads. Anyway,

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Speaker 2: they're TikTok. They're hiring for her replacement because she's going

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Speaker 2: on maternity leave, and like, sorry, I'm so invested in

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Speaker 2: this replacement process. Baker's delight TikTok stillapps.

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Speaker 3: So good that I saw them making buns once. It

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Speaker 3: was delightful and they.

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Speaker 2: Have a new Sorry, they have a new This is

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Speaker 2: not sponsored by Baker's Life, but if you want to

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Speaker 2: be call me babe, like it could be the Baker's

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Speaker 2: Delight Money wins. They have a peach stone now and

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Speaker 2: it's frosted.

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Speaker 4: After this episode, which sweet because you know the like

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Speaker 4: the custard walnut.

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Speaker 2: Yes, didn't so good and they do really good danishes. Anyway,

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Speaker 2: let's move on. They're literally not paying for this. I

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Speaker 2: should be next from Victoria, who said I great name.

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Speaker 2: I've also never met a Victoria, or I didn't It

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Speaker 2: is a Victoria with two teas. We've had a Beck

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Speaker 2: that wasn't you. We've had a Jess that wasn't you.

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Speaker 2: Now we've had a Victoria. And it's actually very fins

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Speaker 2: so self centered. I like this.

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Speaker 3: But Victoria said she went to buy some multi vitamins

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Speaker 3: from Chemist's warehouse. They were selling at their normal price

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Speaker 3: and a competitor had at cheap house, so she flagged

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Speaker 3: the cheaper price and they ended up charging her less

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Speaker 3: than what the competitor.

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Speaker 2: Had it because they percent, that does sound like something

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Speaker 2: I would do.

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Speaker 1: There you go.

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Speaker 4: It sounds like me had a cheap buzz in Chemi's warehouse.

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Speaker 2: I'm fine, I find that hard to bleed. Well, it's

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Speaker 2: all true. I'm going to need receipts.

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Speaker 3: And lastly, this week, I've got a money from Christine

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Speaker 3: who said she took her kids to Disney on Ice

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Speaker 3: on the weekend and they brought their own it is

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Speaker 3: but Christine said, no, no, no, we're bringing our own snacks,

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Speaker 3: our own drinks, and the kids were happy to just

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Speaker 3: pop the bubbles coming out of other kids ones. So

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Speaker 3: we didn't buy any of the merch. She said, they

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Speaker 3: avoided paying the mouse tacks and saved themselves hundreds.

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Speaker 2: Okay, I also have another hack because I'm on parenting ticks.

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Speaker 2: They came that one. They came up bubble wand is

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Speaker 2: like twelve dollars, whereas if you go to Disney or Ice,

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Speaker 2: apparently the bubble one's like fifty nine dollars. Are really

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Speaker 2: joking that a bubble wand extortion soapy water go. I

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Speaker 2: only have a one year old, so we're not at

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Speaker 2: the point where he peer pressures me into purchases yet.

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Speaker 2: I just know that we'll get this crazy No. So

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Speaker 2: Kmart has a bubble wand for those of you who

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Speaker 2: might be interested, that could also be a really good

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Speaker 2: present like Halfy's only one. Anytime I get bubbles.

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Speaker 3: Out, bubbles are fun chaos byot, that's crazy.

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Speaker 2: I love this those good money wins. Miss specs, yes,

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Speaker 2: tell me I can. What have you got? When it

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Speaker 2: comes to broke tips? And for those of you who

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Speaker 2: maybe missed it, we now have a broke tip thread

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Speaker 2: going live every single week in our Facebook group, where

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Speaker 2: Beck goes in and has a little bit of look

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Speaker 2: at your broke tear?

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Speaker 1: Do you?

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Speaker 2: But also so does everybody else?

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Speaker 3: And I want you to do that.

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Speaker 4: I want to love had all of them, but I'm

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Speaker 4: scared that I'll miss one, and so for that reason,

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Speaker 4: I don't.

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Speaker 2: And that's why I now no longer love heart people's comment.

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Speaker 2: Then you get off it, and then new comments happen,

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Speaker 2: and then people might think that yours didn't yeah exactly.

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Speaker 4: Or even just like sometimes you just randly miss one.

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Speaker 4: You're like, oh my god, this person might think why

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Speaker 4: didn't you? Like what if I come in on your

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Speaker 4: And then I'm like, oh my god, this is incredible.

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Speaker 4: But someone one hundred comments down said the same thing earlier.

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Speaker 2: I don't know. I just get anxiety. I don't want

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Speaker 2: people to think that have got favorites. I don't. I

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Speaker 2: love you, I know, Okay.

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Speaker 4: So this first one comes from Jacinta, who said that

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Speaker 4: she did surveys on Pure Profile because she knew she

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Speaker 4: was running out of money for food.

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Speaker 2: I totally get it.

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Speaker 4: I've been there so many times, for every single day

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Speaker 4: of my life. She did enough to get twenty doll

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Speaker 4: about your fo woolies and bought stuff at twenty three dollars,

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Speaker 4: used the three dollars of her own money, and it

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Speaker 4: helped loto hate.

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Speaker 2: That's actually such a good broake tap. If you've got

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Speaker 2: no cash, if you can go to twenty bucks, ten bucks,

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Speaker 2: twenty dollars is twenty dollars.

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Speaker 4: I know, so pure Profile. I know we talked about surveys,

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Speaker 4: but I had not heard of this one before. So

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Speaker 4: I leased that one back in the day. I'll let

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Speaker 4: you they go, I know the other year. Otherwise it

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Speaker 4: was shutting down real quick. This next one comes from

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Speaker 4: Shiara I'm so sorry, I'm seeing your name incorrectly, who

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Speaker 4: says that she uses a massage gun. What she does

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Speaker 4: is she holds a massage gun to an almost empty bottle,

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Speaker 4: such as lotions, shampoos, et cetera.

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Speaker 2: Oh, it's like turbo shake, Yeah, turboshake.

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Speaker 4: And then actually after she sent me that, there's all

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Speaker 4: this like thing come up on my Instagram kind of

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Speaker 4: like literally doing that or someone doing that. It wasn't

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Speaker 4: like say, it wasn't just like that would have blown

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Speaker 4: me away, but it was not just sent up. It

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Speaker 4: was someone else that's on puberty the page, and she

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Speaker 4: put the massage gun to the lotion and it all

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Speaker 4: came out like it's not like down droops and drags,

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Speaker 4: it's like the whole thing. Well, it makes so much

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Speaker 4: left shaking.

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Speaker 2: Yeah, isn't that wild. See I don't own a massage gun. No,

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Speaker 2: I don't use a massage gun, and physically I have

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Speaker 2: no need for it. But I have, again going back

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Speaker 2: to TikTok, I have seen people use the massage gum

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Speaker 2: or using the vacuum in their car to like make

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Speaker 2: all of the dirt vibrate and then right, and I

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Speaker 2: just I've never wanted to try something more in my life.

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Speaker 2: Like so I love cleaning my car. In fact, this

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Speaker 2: is going to sound so lame and you know what,

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Speaker 2: a little bit out of touch, but I have a

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Speaker 2: car cleaning subscription to a car wash near my house,

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Speaker 2: which actually, because I do wash my car, I would

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Speaker 2: say it like every week. Yeah, it becomes like I

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Speaker 2: think it's like less than ten dollars a wash, and

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Speaker 2: like this is like a good wash and it includes

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Speaker 2: the vacuum, so like when it's like a self drive through,

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Speaker 2: like no touch, like car wash thing drives your car,

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Speaker 2: you drive out and it has the free air gun

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Speaker 2: and it has the free vacuum, so you can vacuum

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Speaker 2: to your heart's content. And I love that, but I

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Speaker 2: really need the massage gun for that. You can bever

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Speaker 2: in mind, thank you, but I don't know if you

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Speaker 2: want me putting it on the carpet of my car

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Speaker 2: after my dog's been in it.

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Speaker 3: We have a few in our house because I'm dating

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Speaker 3: a physio, so maybe we just have Well one can

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Speaker 3: become the designated Karma.

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Speaker 4: Car massage and beg, what have you got? So this

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Speaker 4: is something I noticed the other day. It was like,

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Speaker 4: well it wasn't the other day, but it was community

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Speaker 4: cup time.

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Speaker 2: You guys know community cup. I don't big thing in Melbourne, Wow,

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Speaker 2: not big enough for us. We have heard about it.

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Speaker 2: It was like we do live under a rock though

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Speaker 2: you were a much more social being than both just

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Speaker 2: and I combined.

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Speaker 4: It was it's quite, it was so so cold, it's overwhelming.

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Speaker 4: There's people everywhere, and everyone you've ever met will be

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Speaker 4: at this place. I mean it was in abspent, so

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Speaker 4: the first time I had gone, So I don't know

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Speaker 4: if it's always an ABOSPHD. But I popped in because

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Speaker 4: I was going to uber there. I didn't want to park.

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Speaker 4: I popped in the address for the park. I said

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Speaker 4: Victoria Park whatever, and then the uber was like twenty dollars.

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Speaker 2: I was like oh.

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Speaker 4: And then instead I zoomed all the way in and

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Speaker 4: I put an address that is across the road. It's

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Speaker 4: like eleven Louley Street or whatever. Yeah, fourteen dollars.

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Speaker 5: Oh, no way.

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Speaker 4: So I feel like and I have in fact checked this,

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Speaker 4: but I feel like, no, but that makes it's an

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Speaker 4: event or if it's a location like mcg or something

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Speaker 4: like that, then it'll automatically it does. It's like when

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Speaker 4: you go to the airport, Yes, like the airport tax

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Speaker 4: So if you put like, I don't know what addresses

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Speaker 4: around the airport, but you know, just give it a go.

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Speaker 4: I think if you're going to an event, if you're

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Speaker 4: going to a concert or something. Don't put the concert location,

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Speaker 4: don't put the arena or whatever. Put the exact address

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Speaker 4: across the street, or just an address close by that

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Speaker 4: you're happy to walk from they're happy to walk from,

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Speaker 4: or even the address of the stadium.

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Speaker 2: I haven't tried before. I reckon that wouldn't work. Maybe

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Speaker 2: not surely it would be associated, because I feel like

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Speaker 2: whenever I put an address in, it'll like auto correct

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Speaker 2: to the location name.

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Speaker 4: Yeah, true, true, ture true. I like your very very

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Speaker 4: thank you, thank you very much, so very smart. That's mine.

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Speaker 4: I love that.

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Speaker 2: I feel like that is very good. All right, let's

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Speaker 2: go to a really quick break because on the flip side,

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Speaker 2: I'm actually really excited about this. Our first question, I'm

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Speaker 2: excited about this, but like the second part juicy. But anyway,

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Speaker 2: the first one is our money dilemma, which is all

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Speaker 2: about managing money from a side hustle, which I think

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Speaker 2: is going to be really helpful. But the juicy one,

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Speaker 2: you guys slid into our dms and you want to

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Speaker 2: know whether your choice of partner is actually one of

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Speaker 2: the biggest financial decisions you'll ever make. Oh, I don't

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Speaker 2: think people are ready for that conversation. Anyway, We'll see

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Speaker 2: you right after the break.

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Speaker 3: Welcome back, everybody. Let's take a listen to this week's

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Speaker 3: money dilemma.

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Speaker 2: Hi, there, have you got a money dilemma you just

387
00:16:58,440 --> 00:17:00,920
Speaker 2: can't solve? The She's on the Mine team is here

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00:17:01,000 --> 00:17:04,200
Speaker 2: to help. Every week, we tackle your dilemmas, both big

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Speaker 2: and small, to answer your most burning money, career and

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00:17:07,080 --> 00:17:10,240
Speaker 2: life questions. To get involved, simply head to our website

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Speaker 2: and leave us a short voice recording and you might

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Speaker 2: just find yourself on the show. Now, let's take a

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Speaker 2: listen to this week's money dilemma. I just have a question.

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Speaker 5: I have a day job, but I also have a

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Speaker 5: side hustle, and I have both tums of income coming

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Speaker 5: into the same account at this point, separate accounts within

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Speaker 5: my bank, so they are separated, but I don't have

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Speaker 5: a different bank. My savings from my day job go

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Speaker 5: into a separate micro investing app which I use called Blossom.

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Speaker 5: But the savings or the earnings I make from my business,

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Speaker 5: I just don't know what to do with them, so

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Speaker 5: they're just sitting in the account that's holding them. So

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Speaker 5: I've got a couple of thousand dollars in there, just

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Speaker 5: sitting there and they're not earning any interest, they're not

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Speaker 5: doing anything. But I'm really hesitant to put them in

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Speaker 5: the same pool as my personal savings. For some reason,

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Speaker 5: I feel like they should be separate thing. And I

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Speaker 5: don't want to start something that isn't correct and isn't

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Speaker 5: going to help me out tax wise as well. But

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Speaker 5: I just don't know what to do or who to

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Speaker 5: ask around business questions. So if you could provide some light,

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Speaker 5: that would be amazing. Thank you so much.

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Speaker 2: Well girl, you've come to the right place. And I mean,

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Speaker 2: I'm not going to ask the two of you what

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Speaker 2: I would do because I think or what you should

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Speaker 2: do keep it separate. I'm sorry. If you have a

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Speaker 2: side hustle separate bank account, I don't want to see

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Speaker 2: it going into your go and register it as well,

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Speaker 2: like set it up as a separate business bank account,

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Speaker 2: because it's messy. Like let's say you're stupidly successful. You're

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Speaker 2: making your personal life harder, You're making your taxes harder,

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Speaker 2: like you don't know when you need to pay tax

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Speaker 2: on your side hustle income. Like Beck, this is at

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Speaker 2: you specifically, because guys, what's your business little shout out.

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Speaker 2: Beck has decided to go all in on her business recently,

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Speaker 2: and you've set up a whole website. You spent fourteen

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Speaker 2: dollars on a domain, and that is putting your money

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Speaker 2: where your mouth is.

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Speaker 4: What is the domain designed by becku dot com todau.

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Speaker 2: I'm obsessed and like I have commissioned a piece? Have

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Speaker 2: I actually commissioned a piece? Because I didn't pay for it,

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Speaker 2: I use it. It's still a gifted a piece. I said,

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Speaker 2: Oh my god, I've always wanted Okay, you're gonna love this.

434
00:19:31,920 --> 00:19:35,040
Speaker 2: I've always wanted one of those spoon rests. Yes, that

435
00:19:35,240 --> 00:19:38,159
Speaker 2: is actually a ravioli. Oh I've seen those are very

436
00:19:38,200 --> 00:19:41,680
Speaker 2: coch Yeah. So Beck made me one pink. It's pink

437
00:19:41,800 --> 00:19:44,920
Speaker 2: and lives on my shelf and I love her. But

438
00:19:45,280 --> 00:19:46,920
Speaker 2: very cute stuff. Anyway, we'll put the link in the

439
00:19:46,960 --> 00:19:52,560
Speaker 2: show notes because like girls supporting girls. Anyway, get a

440
00:19:52,600 --> 00:19:54,640
Speaker 2: separate bank account, Beck, if you don't have a separate

441
00:19:54,640 --> 00:19:58,280
Speaker 2: bank account for the money that you're making from your pottery, canceled, Like, Okay, no,

442
00:19:58,480 --> 00:20:00,520
Speaker 2: you're gonna go get a separate bank account. You don't

443
00:20:00,640 --> 00:20:02,080
Speaker 2: have to go and set up as a business. You

444
00:20:02,119 --> 00:20:04,520
Speaker 2: can still be a sole trader, but have it be

445
00:20:04,720 --> 00:20:07,240
Speaker 2: separate so that you can track the income coming in

446
00:20:07,359 --> 00:20:09,080
Speaker 2: and the income going out. It's going to make tax

447
00:20:09,119 --> 00:20:11,879
Speaker 2: time easier. It's going to make literally everything easier. You

448
00:20:11,920 --> 00:20:14,280
Speaker 2: can also track how much money of your personal money

449
00:20:14,520 --> 00:20:16,199
Speaker 2: needs to go in there, right because beck, I can

450
00:20:16,240 --> 00:20:21,760
Speaker 2: almost guarantee like you're pururchasing clay paints glazers with your

451
00:20:21,800 --> 00:20:25,639
Speaker 2: personal income, right, so transfer that money, like go all right,

452
00:20:25,680 --> 00:20:27,399
Speaker 2: well I'm going to go down to E cards or

453
00:20:27,400 --> 00:20:30,200
Speaker 2: whatever it is the craft store and purchase clay. You

454
00:20:30,280 --> 00:20:32,920
Speaker 2: can track how much you've transferred to that account and

455
00:20:33,080 --> 00:20:35,320
Speaker 2: see how much has been going in versus coming out,

456
00:20:35,359 --> 00:20:37,080
Speaker 2: and then all the profits going to that and it's

457
00:20:37,119 --> 00:20:39,639
Speaker 2: just it's going to be clean, right, Yeah, it's going

458
00:20:39,720 --> 00:20:41,960
Speaker 2: to be clean. Yeah. Do you have any other tips

459
00:20:42,000 --> 00:20:44,760
Speaker 2: for small business when it comes to the banking side

460
00:20:44,800 --> 00:20:45,120
Speaker 2: of things?

461
00:20:46,400 --> 00:20:48,879
Speaker 4: Well, personally to start as this question does come at

462
00:20:48,880 --> 00:20:52,919
Speaker 4: a really good time, so thank you very much. I mean,

463
00:20:53,040 --> 00:20:55,440
Speaker 4: I don't know if this is the same situation, but

464
00:20:55,520 --> 00:20:58,800
Speaker 4: I use I'm using Stripe, which I think is like

465
00:20:59,160 --> 00:20:59,520
Speaker 4: is that right?

466
00:20:59,600 --> 00:20:59,800
Speaker 3: Yeah?

467
00:21:00,080 --> 00:21:02,760
Speaker 2: Stripe or you u stripe? Oh my god? The payment system.

468
00:21:03,440 --> 00:21:05,680
Speaker 4: Okay, that's so companty because I was like, I don't

469
00:21:05,680 --> 00:21:08,679
Speaker 4: know what this text me ask me, Oh my god, true, I.

470
00:21:08,680 --> 00:21:12,159
Speaker 2: Don't know why I'm not doing this. And it's not

471
00:21:12,280 --> 00:21:14,960
Speaker 2: even that I know, it's that like I was born

472
00:21:15,040 --> 00:21:18,040
Speaker 2: to yap. Yeah, and like also research, so if I

473
00:21:18,119 --> 00:21:20,200
Speaker 2: don't know, girl, you best believe I'm a fine out.

474
00:21:22,000 --> 00:21:23,520
Speaker 4: So that, but that's not the same, hey, because I

475
00:21:23,520 --> 00:21:25,320
Speaker 4: can see what's coming in, I can't see what's going out.

476
00:21:25,320 --> 00:21:27,879
Speaker 4: Obviously that's more like bank account, but that that is

477
00:21:28,440 --> 00:21:32,480
Speaker 4: helpful for incoming. But you're saying, like, get a whole

478
00:21:32,560 --> 00:21:35,359
Speaker 4: new bank account for this particular side hustle.

479
00:21:35,680 --> 00:21:38,040
Speaker 2: Understood it, understood, Okay, that's good to know. And then

480
00:21:38,160 --> 00:21:41,280
Speaker 2: just like name it like your business name. So everything

481
00:21:41,400 --> 00:21:44,320
Speaker 2: is just really clean, really fresh, easy, because at one

482
00:21:44,359 --> 00:21:46,560
Speaker 2: point it's going to tip over being a hobby and

483
00:21:46,680 --> 00:21:49,399
Speaker 2: like a tiny side hustle to being something that you

484
00:21:49,480 --> 00:21:51,480
Speaker 2: need to pay tax on, and hopefully at some point

485
00:21:51,560 --> 00:21:53,280
Speaker 2: you're going to need to pay GST on and you know,

486
00:21:53,800 --> 00:21:55,480
Speaker 2: really scale it. But you don't want to have that

487
00:21:55,600 --> 00:21:58,119
Speaker 2: be mixed up with your personal income and other jobs

488
00:21:58,160 --> 00:22:00,240
Speaker 2: that you're doing on the side to pass time more,

489
00:22:00,359 --> 00:22:03,119
Speaker 2: you know, put money and food on the table right, totally,

490
00:22:03,440 --> 00:22:08,120
Speaker 2: just keep it separate, right totally. Also interesting side note, Beck,

491
00:22:08,280 --> 00:22:11,200
Speaker 2: while we were listening to that, you guys probably didn't hear.

492
00:22:11,800 --> 00:22:16,160
Speaker 2: In perfect synchronicity, Jess and I made the sound ah

493
00:22:17,960 --> 00:22:22,600
Speaker 2: when our listener question mentioned the Blossom app. I was

494
00:22:22,680 --> 00:22:25,040
Speaker 2: curious about that. You were like, why are you two v.

495
00:22:27,040 --> 00:22:27,200
Speaker 5: Now?

496
00:22:27,560 --> 00:22:33,080
Speaker 2: Jess, We've had some conversations historically on air and off

497
00:22:33,200 --> 00:22:36,879
Speaker 2: air about Blossom app. Is the app badge?

498
00:22:37,040 --> 00:22:37,080
Speaker 4: No?

499
00:22:38,200 --> 00:22:42,320
Speaker 2: Is the apple legitimate? Yes is some of the marketing misleading?

500
00:22:42,520 --> 00:22:46,199
Speaker 2: Yes is how I feel now. Blossom app is an

501
00:22:46,200 --> 00:22:48,560
Speaker 2: app and our money diarist or sorry, not even our

502
00:22:48,600 --> 00:22:51,280
Speaker 2: money direst our listener question literally said, I'm using it

503
00:22:51,400 --> 00:22:54,480
Speaker 2: to invest Iconic. You are using it to invest. But

504
00:22:54,560 --> 00:22:56,000
Speaker 2: if we go to the website and I'm on the

505
00:22:56,040 --> 00:22:58,960
Speaker 2: website right now, Jess and Beck and I feel like

506
00:22:59,080 --> 00:23:02,520
Speaker 2: this would get Beck like in the nicest possible way. No, No,

507
00:23:02,640 --> 00:23:05,080
Speaker 2: because you just take people for their word. I'm already

508
00:23:05,280 --> 00:23:07,800
Speaker 2: and you already like, and it's not because you're silly,

509
00:23:07,880 --> 00:23:10,000
Speaker 2: it's just because you are an average consumer.

510
00:23:10,240 --> 00:23:12,680
Speaker 3: Well, and the listener said that they're putting their savings

511
00:23:12,720 --> 00:23:15,080
Speaker 3: in BLOSSOMUS, Yeah, which is very relevant.

512
00:23:15,240 --> 00:23:17,320
Speaker 2: Yes, So like Beck, have you heard of Blossom app?

513
00:23:17,640 --> 00:23:19,440
Speaker 2: I haven't. Let me read you the marketing and you

514
00:23:19,480 --> 00:23:21,880
Speaker 2: can tell me what it is, okay, right, So Blossom

515
00:23:22,000 --> 00:23:25,520
Speaker 2: where your savings go to grow. You can get between

516
00:23:25,600 --> 00:23:29,560
Speaker 2: a five point four five and six point five per

517
00:23:29,600 --> 00:23:34,120
Speaker 2: annum targeted return. Join thousands of Australians who have discovered

518
00:23:34,160 --> 00:23:37,960
Speaker 2: a new, healthier way to save your money. Your way,

519
00:23:38,240 --> 00:23:42,960
Speaker 2: no account, feest healthy returns. You're doing well. Their product

520
00:23:43,200 --> 00:23:45,920
Speaker 2: is called Blossom Save and it gives you freedom and

521
00:23:46,080 --> 00:23:49,679
Speaker 2: flexibility whilst you save. What is this product?

522
00:23:49,960 --> 00:23:54,280
Speaker 4: I would say it's a very high interest savings account.

523
00:23:54,440 --> 00:24:00,520
Speaker 2: No No, And that's where Jess and I are probably

524
00:24:00,640 --> 00:24:03,320
Speaker 2: not that comfortable with it. It is an investment. It

525
00:24:03,440 --> 00:24:06,520
Speaker 2: is an investment platform and they invest your money for

526
00:24:06,640 --> 00:24:09,800
Speaker 2: long term returns. That's why they can target such high

527
00:24:10,160 --> 00:24:13,760
Speaker 2: five point four five and six point five percent return.

528
00:24:13,920 --> 00:24:17,000
Speaker 2: Right now in this current economy, a savings account is

529
00:24:17,080 --> 00:24:18,600
Speaker 2: not going to get you that. So you might look

530
00:24:18,600 --> 00:24:20,880
Speaker 2: at it and be like far out, like that's why

531
00:24:21,040 --> 00:24:22,879
Speaker 2: And I mean it in the nicest possible way. And

532
00:24:22,960 --> 00:24:24,840
Speaker 2: I know people have messaged me before and they've been like,

533
00:24:25,160 --> 00:24:27,199
Speaker 2: why do you say things like that why you mean

534
00:24:27,280 --> 00:24:29,600
Speaker 2: to Beck. I'm not mean to Beck. No, he's my

535
00:24:29,680 --> 00:24:32,760
Speaker 2: normal consumer. She is my friend. I think she's so smart.

536
00:24:33,600 --> 00:24:35,440
Speaker 2: But like, I just know you'd read this, and like,

537
00:24:36,040 --> 00:24:37,960
Speaker 2: but you and I both know you're never going to

538
00:24:38,000 --> 00:24:39,639
Speaker 2: read the PDS. You don't scroll to the bottom and

539
00:24:39,680 --> 00:24:40,440
Speaker 2: click the PDS.

540
00:24:40,800 --> 00:24:41,080
Speaker 4: I do.

541
00:24:41,400 --> 00:24:44,800
Speaker 2: And it's an investment platform. It's also targeted returns.

542
00:24:44,840 --> 00:24:46,879
Speaker 3: It's not guaranteed, so they can say, yeah, we're aiming

543
00:24:46,960 --> 00:24:50,359
Speaker 3: for that, but if they return is less as far

544
00:24:50,440 --> 00:24:52,360
Speaker 3: as I know, no accountability.

545
00:24:52,480 --> 00:24:55,080
Speaker 2: They are an investment fund, and like if you go

546
00:24:55,320 --> 00:24:57,520
Speaker 2: into the PDS, it says the target rate of the

547
00:24:57,600 --> 00:25:01,159
Speaker 2: annual return from investments retain in the fund is not

548
00:25:01,320 --> 00:25:04,800
Speaker 2: guaranteed and no assurance is given that the target rate

549
00:25:04,920 --> 00:25:08,080
Speaker 2: will be achieved for any time the investment is held

550
00:25:08,160 --> 00:25:12,320
Speaker 2: in the fund. I'm targeting two returns a fart. But

551
00:25:12,480 --> 00:25:16,120
Speaker 2: I think if we then use the average consumers experience

552
00:25:16,320 --> 00:25:19,840
Speaker 2: right and go Your experience with savings accounts is that

553
00:25:20,000 --> 00:25:22,879
Speaker 2: if they say they return three percent, they return three percent, right,

554
00:25:23,400 --> 00:25:26,160
Speaker 2: So when you will read out all of this marketing,

555
00:25:26,280 --> 00:25:28,320
Speaker 2: and I said, where your savings go to grow? And

556
00:25:28,400 --> 00:25:31,119
Speaker 2: you're going to get four point four to five. I

557
00:25:31,240 --> 00:25:34,320
Speaker 2: think you skimmed over the word targeted, didn't you. I did.

558
00:25:34,400 --> 00:25:39,120
Speaker 4: I thought targeted maybe is like they're purposely doing something yep,

559
00:25:39,520 --> 00:25:40,360
Speaker 4: and then that's yea.

560
00:25:40,400 --> 00:25:42,040
Speaker 2: And then I doubled down and I gave you the

561
00:25:42,119 --> 00:25:45,359
Speaker 2: next line, literally scrolling on the homepage, which says, joined

562
00:25:45,400 --> 00:25:48,200
Speaker 2: thousands of Aussies who have discovered a new, healthier way

563
00:25:48,280 --> 00:25:51,720
Speaker 2: to save. I'm sorry that is not saving if you

564
00:25:51,800 --> 00:25:54,200
Speaker 2: are investing your money and there is risk involved. I

565
00:25:54,280 --> 00:25:57,200
Speaker 2: am so fine with your platform, Like, there is not

566
00:25:57,320 --> 00:26:01,240
Speaker 2: anything wrong structurally, your money's not at more risk than

567
00:26:01,320 --> 00:26:04,440
Speaker 2: any other type of investing platform. But call a stick

568
00:26:04,480 --> 00:26:04,840
Speaker 2: a stick.

569
00:26:05,080 --> 00:26:07,320
Speaker 3: Yeah, yeah, I don't like that because I think, yeah,

570
00:26:07,400 --> 00:26:10,680
Speaker 3: listening to our listener's voicemail, they even said, you know,

571
00:26:10,840 --> 00:26:13,399
Speaker 3: my savings are in this platform, and it kind of

572
00:26:13,440 --> 00:26:15,359
Speaker 3: makes me go, well do you. You know, typically we

573
00:26:15,480 --> 00:26:18,040
Speaker 3: say don't invest your savings if you plan on having

574
00:26:18,080 --> 00:26:20,000
Speaker 3: access to them any time soon, and we don't have

575
00:26:20,040 --> 00:26:23,960
Speaker 3: this CEM one. But I think the language can be

576
00:26:24,160 --> 00:26:28,200
Speaker 3: very confusing, and as you said, like it's something they've

577
00:26:28,320 --> 00:26:28,800
Speaker 3: changed it.

578
00:26:29,280 --> 00:26:31,440
Speaker 2: You know, it's been a few years that this platforms

579
00:26:31,440 --> 00:26:34,080
Speaker 2: been around them. I've spoken to their owner. I've spoken

580
00:26:34,200 --> 00:26:38,639
Speaker 2: to their founder, I've had these conversations. They've invited me

581
00:26:38,960 --> 00:26:42,760
Speaker 2: to Sydney to have conversations with them, and I basically said, like,

582
00:26:42,920 --> 00:26:45,639
Speaker 2: so happy to continue the conversation, but anything that you

583
00:26:45,800 --> 00:26:48,720
Speaker 2: say surely can be put on paper for me to understand, Like,

584
00:26:48,800 --> 00:26:51,080
Speaker 2: surely you can put it in an email and articulate

585
00:26:51,119 --> 00:26:53,720
Speaker 2: yourself in a way that makes sense, because if you can't,

586
00:26:53,920 --> 00:26:57,520
Speaker 2: to me, that doesn't feel right. And so I don't know.

587
00:26:57,760 --> 00:26:59,600
Speaker 2: I just I think when you look at the like

588
00:26:59,720 --> 00:27:04,640
Speaker 2: risk return like chart and we're looking at different investment options,

589
00:27:04,800 --> 00:27:07,520
Speaker 2: there's like you know, savings accounts and then there's bonds.

590
00:27:07,800 --> 00:27:10,280
Speaker 2: This is more risky than both of those things. Yes,

591
00:27:10,359 --> 00:27:13,200
Speaker 2: it's not the same risk that you carry as putting

592
00:27:13,200 --> 00:27:16,480
Speaker 2: your money into the Australian Stock Exchange. It's slightly less.

593
00:27:16,960 --> 00:27:19,359
Speaker 2: But I think that they're trying to align with their

594
00:27:19,480 --> 00:27:23,200
Speaker 2: marketing to being a savings account, which if you as

595
00:27:23,240 --> 00:27:26,639
Speaker 2: a consumer, are like, oh I don't want to invest

596
00:27:26,720 --> 00:27:29,600
Speaker 2: yess I'm too like I'm a bit adverse for that.

597
00:27:29,800 --> 00:27:31,480
Speaker 2: Oh I don't know about a bond. But then you

598
00:27:31,560 --> 00:27:33,840
Speaker 2: see this marketing you might go, oh, well that's for

599
00:27:33,960 --> 00:27:35,920
Speaker 2: me because it's where your savings go to grow. And

600
00:27:36,000 --> 00:27:39,840
Speaker 2: the language is comforting, and I think that that. I

601
00:27:39,960 --> 00:27:43,920
Speaker 2: feel like they're doing everything right from a compliance perspective

602
00:27:44,080 --> 00:27:46,680
Speaker 2: in terms of their actual product, but when it comes

603
00:27:46,720 --> 00:27:49,200
Speaker 2: to the marketing, I just go, I'm sorry. This is

604
00:27:49,240 --> 00:27:51,760
Speaker 2: why the investment industry is so confusing. That is why

605
00:27:51,880 --> 00:27:54,159
Speaker 2: so many people are like, wait, that's an investment, but

606
00:27:54,400 --> 00:27:57,320
Speaker 2: there's this isn't. But yeah, like, if you want a

607
00:27:57,359 --> 00:27:59,480
Speaker 2: good high interest savings account, a road a hole blog

608
00:27:59,560 --> 00:28:02,840
Speaker 2: on it, check it out, check it out. I'll put

609
00:28:02,880 --> 00:28:05,119
Speaker 2: all of the good links in the show notes for

610
00:28:05,320 --> 00:28:07,960
Speaker 2: our most recent savings account thing, because like I think

611
00:28:08,000 --> 00:28:10,119
Speaker 2: every six months or so I do a blog or

612
00:28:10,200 --> 00:28:12,480
Speaker 2: the team actually all put together a blog on the

613
00:28:12,640 --> 00:28:15,359
Speaker 2: best high interest savings accounts in Australia so that you

614
00:28:15,440 --> 00:28:17,440
Speaker 2: guys can do it without any like hoops or anything

615
00:28:17,480 --> 00:28:19,840
Speaker 2: to jump through because you know how sometimes there's like

616
00:28:20,040 --> 00:28:23,320
Speaker 2: minimum deposits or whatever. Anyway, none of that. I could

617
00:28:23,359 --> 00:28:26,359
Speaker 2: go on and on, but I just think you guys

618
00:28:26,440 --> 00:28:31,359
Speaker 2: deserve transparency and maybe potentially allegedly that company is not

619
00:28:31,440 --> 00:28:34,200
Speaker 2: giving you that, and that just doesn't see it right.

620
00:28:34,119 --> 00:28:34,320
Speaker 3: With me.

621
00:28:35,840 --> 00:28:40,160
Speaker 2: Anyway. That's a little bit of the tea, but do

622
00:28:40,160 --> 00:28:41,520
Speaker 2: you want more tea? Absolutely?

623
00:28:41,720 --> 00:28:41,840
Speaker 1: Right?

624
00:28:42,000 --> 00:28:43,760
Speaker 2: So this week we had a listener dam and you

625
00:28:43,840 --> 00:28:45,880
Speaker 2: know what a little bit more juicy than what we're

626
00:28:45,920 --> 00:28:49,160
Speaker 2: just talking about. Ready, okay, Hi, she's on the money.

627
00:28:49,240 --> 00:28:52,440
Speaker 2: I keep seeing money influences say your partner is the

628
00:28:52,560 --> 00:28:55,560
Speaker 2: biggest financial decision you'll ever make. But I didn't even

629
00:28:55,640 --> 00:28:57,920
Speaker 2: think about that at all when I fell in love.

630
00:28:58,400 --> 00:29:02,240
Speaker 2: Emotionally the relationship is solid, but financially we are not

631
00:29:02,440 --> 00:29:04,480
Speaker 2: on the same page. And the more I notice that,

632
00:29:04,640 --> 00:29:07,320
Speaker 2: the harder it is to unsee. I listen to the

633
00:29:07,400 --> 00:29:10,800
Speaker 2: money diaries, so I know people can change, But lately

634
00:29:10,880 --> 00:29:13,200
Speaker 2: I've been wondering if this is something I should take

635
00:29:13,280 --> 00:29:16,240
Speaker 2: more seriously. Then I feel really guilty, like am I

636
00:29:16,320 --> 00:29:19,680
Speaker 2: being too shallow or too focused on money? I wasn't

637
00:29:19,800 --> 00:29:21,920
Speaker 2: like this before, but now I don't know if I'm

638
00:29:22,040 --> 00:29:24,920
Speaker 2: overthinking or finally waking up. What would you do?

639
00:29:25,920 --> 00:29:26,120
Speaker 1: Oh?

640
00:29:27,320 --> 00:29:30,080
Speaker 4: This is tugging at my heart shrinks because as the

641
00:29:31,160 --> 00:29:33,040
Speaker 4: I mean, they didn't say, this person didn't say, but

642
00:29:33,080 --> 00:29:35,640
Speaker 4: I can only assume that they're they're the more responsible

643
00:29:35,680 --> 00:29:37,680
Speaker 4: one with money and their partner might not be. And

644
00:29:37,880 --> 00:29:40,680
Speaker 4: I am the partner that is not. My girlfriend justs

645
00:29:40,680 --> 00:29:42,640
Speaker 4: is very unhappy that I quit my job for a

646
00:29:42,680 --> 00:29:44,120
Speaker 4: full week opportunity.

647
00:29:44,480 --> 00:29:47,440
Speaker 2: And I don't know why. That's crazy. I know it's crazy.

648
00:29:47,680 --> 00:29:49,800
Speaker 2: She's crazy. I'm just kidding. No, that's very very valid.

649
00:29:50,040 --> 00:29:52,520
Speaker 4: But I think that before her, I've always been a

650
00:29:52,560 --> 00:29:55,680
Speaker 4: little bit like risk taking. I don't care if I'm

651
00:29:55,680 --> 00:29:57,840
Speaker 4: living Pachrick paycheck. I don't care if I'm broke. I

652
00:29:57,880 --> 00:30:00,720
Speaker 4: honestly don't mind. And so feel like maybe depending on

653
00:30:00,760 --> 00:30:03,360
Speaker 4: where your partner is coming from and how they've lived before,

654
00:30:03,760 --> 00:30:06,440
Speaker 4: and if they always get back on their feet and

655
00:30:06,520 --> 00:30:09,920
Speaker 4: if they don't rely on other people around them, then

656
00:30:11,000 --> 00:30:12,120
Speaker 4: at this moment.

657
00:30:12,360 --> 00:30:15,160
Speaker 2: Totally fine. I think that. So I can, like I

658
00:30:15,240 --> 00:30:16,200
Speaker 2: can totally understand it.

659
00:30:16,400 --> 00:30:18,640
Speaker 4: Some people don't work in this way where they're thinking

660
00:30:18,680 --> 00:30:21,280
Speaker 4: about money and they thinking about savings and they have

661
00:30:21,400 --> 00:30:25,920
Speaker 4: this intrinsic like just motivation to save for a future.

662
00:30:26,120 --> 00:30:27,200
Speaker 2: Some people just do not have that.

663
00:30:27,640 --> 00:30:28,480
Speaker 1: I do not have that.

664
00:30:28,840 --> 00:30:32,520
Speaker 2: I can't be taught to have that in me. I can't.

665
00:30:32,760 --> 00:30:34,360
Speaker 2: I will just do it because I hell nose.

666
00:30:34,400 --> 00:30:37,440
Speaker 4: I've tried exactly like I mean, for like three years now,

667
00:30:37,520 --> 00:30:37,880
Speaker 4: like I just.

668
00:30:38,480 --> 00:30:40,840
Speaker 2: And like you know, and I know I think that

669
00:30:41,000 --> 00:30:42,840
Speaker 2: that's what's kind of so cool about Cheese on the

670
00:30:42,880 --> 00:30:46,640
Speaker 2: money side step is that, like, you are so different

671
00:30:46,760 --> 00:30:49,800
Speaker 2: to Jess and Die and it's not a negative or

672
00:30:49,840 --> 00:30:51,560
Speaker 2: a positive, it's just who you are, and like that's

673
00:30:51,560 --> 00:30:53,480
Speaker 2: a cool thing. But we've got so many diverse people

674
00:30:53,520 --> 00:30:56,000
Speaker 2: in our community. Some might be like Jess and literally

675
00:30:56,040 --> 00:30:58,840
Speaker 2: stockpile every cent. Someone be a little bit more like me,

676
00:30:58,920 --> 00:31:02,400
Speaker 2: who I take risky decisions, but I'm also relatively financially

677
00:31:02,560 --> 00:31:04,840
Speaker 2: like stable when I make those decisions, and I'm always

678
00:31:04,880 --> 00:31:07,760
Speaker 2: calculating everything, And then there might be people like you, Beck,

679
00:31:08,040 --> 00:31:09,680
Speaker 2: And I don't want people to think that there's only

680
00:31:09,720 --> 00:31:12,320
Speaker 2: one way to manage finance. Yeah, totally, as long as

681
00:31:12,400 --> 00:31:15,040
Speaker 2: you are educated and have the knowledge and the tools

682
00:31:15,080 --> 00:31:16,720
Speaker 2: and the resources, and I've given it to you on

683
00:31:16,760 --> 00:31:19,400
Speaker 2: a silver platter. I don't care how you use them. Like, yes,

684
00:31:19,520 --> 00:31:21,560
Speaker 2: in a perfect world, i'd love Beck to budget. Oh

685
00:31:21,640 --> 00:31:24,400
Speaker 2: my god, like my life would be made. But at

686
00:31:24,440 --> 00:31:26,440
Speaker 2: the end of the day, you're an adult, and I

687
00:31:26,520 --> 00:31:29,680
Speaker 2: respect your decisions because you're an adult. But like, I

688
00:31:29,840 --> 00:31:32,840
Speaker 2: think that everybody deserves access to those tools. And if

689
00:31:32,880 --> 00:31:35,000
Speaker 2: you didn't have access and you're in a really shitty

690
00:31:35,040 --> 00:31:38,640
Speaker 2: financial position because you hadn't been given an education. That's

691
00:31:38,680 --> 00:31:41,280
Speaker 2: not fair. Yes, but now you're making decisions and you're like, well,

692
00:31:41,320 --> 00:31:43,240
Speaker 2: I know I could do this all that you've made

693
00:31:43,280 --> 00:31:45,640
Speaker 2: the decision that's right for you, Yes, the decision that's

694
00:31:45,720 --> 00:31:46,520
Speaker 2: right for society.

695
00:31:46,680 --> 00:31:48,800
Speaker 4: Totally, totally, I completely agree. And so I guess in

696
00:31:48,920 --> 00:31:51,959
Speaker 4: saying that right now, it comes down to if your

697
00:31:52,120 --> 00:31:55,120
Speaker 4: partner is I guess in any it doesn't even know

698
00:31:55,120 --> 00:31:57,840
Speaker 4: if it's finances or anything, like, if you're dating someone

699
00:31:57,880 --> 00:32:00,560
Speaker 4: who never cooks, never cleans, never does any like holds

700
00:32:00,560 --> 00:32:02,280
Speaker 4: any of the mental load, I feel like it's not

701
00:32:02,480 --> 00:32:04,400
Speaker 4: the exact same, but it feels like if your partner's

702
00:32:04,480 --> 00:32:07,360
Speaker 4: willing to change to help you and your future together,

703
00:32:08,400 --> 00:32:11,680
Speaker 4: regardless of what it is. Maybe they hate cleaning, but

704
00:32:11,800 --> 00:32:14,400
Speaker 4: they just have to do it. Maybe they hate saving,

705
00:32:14,480 --> 00:32:15,600
Speaker 4: or they just don't know how to do it, but

706
00:32:15,680 --> 00:32:17,320
Speaker 4: they just have to do it. It's like that's a

707
00:32:17,360 --> 00:32:21,000
Speaker 4: complete different situation their relationship with money. Because I'm on

708
00:32:21,080 --> 00:32:23,640
Speaker 4: the other end, I understand that some people just don't

709
00:32:23,680 --> 00:32:25,800
Speaker 4: have that and don't live like that. But I will

710
00:32:26,760 --> 00:32:30,120
Speaker 4: commit to saving for a future with my partner because

711
00:32:30,160 --> 00:32:32,760
Speaker 4: that's what's in the cards, and so I feel like

712
00:32:32,840 --> 00:32:35,040
Speaker 4: that's probably more the conversation. And if your partner is

713
00:32:35,560 --> 00:32:38,920
Speaker 4: willing to just do it, even if they hate it too,

714
00:32:39,720 --> 00:32:42,760
Speaker 4: also give them some objective, something to work with, something tangible,

715
00:32:42,880 --> 00:32:45,120
Speaker 4: be like, if we save this amount, this is what

716
00:32:45,240 --> 00:32:47,200
Speaker 4: our future will look like, because otherwise it's just invisible

717
00:32:47,200 --> 00:32:48,720
Speaker 4: and it's just like there's no motivation to do that.

718
00:32:48,840 --> 00:32:51,640
Speaker 4: But anyway, so I think that's probably the conversation I

719
00:32:51,680 --> 00:32:53,400
Speaker 4: would be thinking about. If that makes sense, What do

720
00:32:53,480 --> 00:32:53,920
Speaker 4: you reckon?

721
00:32:54,080 --> 00:32:56,640
Speaker 3: Yes, I think the saying you know your partner is

722
00:32:56,640 --> 00:32:59,560
Speaker 3: the biggest financial decision or whatever it is it comes from.

723
00:32:59,760 --> 00:33:02,720
Speaker 3: I yes, that that concept of like you're the sum

724
00:33:02,760 --> 00:33:04,880
Speaker 3: of the people you spend the most time with. I

725
00:33:04,960 --> 00:33:06,880
Speaker 3: think it's like the seven people closest to you kind

726
00:33:06,920 --> 00:33:09,000
Speaker 3: of form your core personality traits or something like that.

727
00:33:09,080 --> 00:33:13,800
Speaker 3: There's some psychological study, I think, because your partner, assuming

728
00:33:14,120 --> 00:33:17,000
Speaker 3: you know, a traditional relationship where you eventually are building

729
00:33:17,040 --> 00:33:19,600
Speaker 3: towards a life together, they're the person who spend the

730
00:33:19,640 --> 00:33:21,880
Speaker 3: most time with, your life is so interlinked with them

731
00:33:21,960 --> 00:33:23,960
Speaker 3: in terms of your finances. If you choose to have

732
00:33:24,080 --> 00:33:27,560
Speaker 3: children or maybe own property, or save towards other important

733
00:33:27,600 --> 00:33:31,360
Speaker 3: goals for you. Guys, your lives are so intertwined that

734
00:33:31,880 --> 00:33:35,320
Speaker 3: their take on money has a really significant impact on you,

735
00:33:36,080 --> 00:33:39,320
Speaker 3: regardless of how you each manage it, and so I

736
00:33:39,520 --> 00:33:43,000
Speaker 3: think that concept is kind of reflecting on the fact

737
00:33:43,120 --> 00:33:46,600
Speaker 3: that it can maybe cause friction. I think in your

738
00:33:46,640 --> 00:33:49,720
Speaker 3: relationship if you have two people, particularly if someone isn't

739
00:33:49,760 --> 00:33:51,680
Speaker 3: willing to do as you are back you know, you've said,

740
00:33:51,800 --> 00:33:53,640
Speaker 3: you know, I acknowledge that I'm not great with money,

741
00:33:53,960 --> 00:33:57,200
Speaker 3: but I will work towards goals because that's what my

742
00:33:57,360 --> 00:34:00,720
Speaker 3: relationship needs to progress forward. Not every body is able

743
00:34:00,800 --> 00:34:02,680
Speaker 3: to draw that light in the sand, I suppose and

744
00:34:02,800 --> 00:34:05,920
Speaker 3: make that decision. I think at the same time as well,

745
00:34:06,560 --> 00:34:10,240
Speaker 3: if someone doesn't match your energy, if you're the person

746
00:34:10,360 --> 00:34:13,680
Speaker 3: who is let's say more aspirational, if you have high

747
00:34:13,719 --> 00:34:16,319
Speaker 3: savings goals, or if you have big goals for your

748
00:34:16,360 --> 00:34:19,520
Speaker 3: life in general, even outside of money, if your energy

749
00:34:19,600 --> 00:34:22,680
Speaker 3: isn't being matched by your partner, it can sometimes take

750
00:34:22,719 --> 00:34:24,239
Speaker 3: the wind out of your sales a little bit and

751
00:34:24,360 --> 00:34:28,640
Speaker 3: hold you back because you're maybe working to accommodate there more.

752
00:34:29,040 --> 00:34:31,400
Speaker 3: And that's not a bad thing, like compromise is important

753
00:34:31,440 --> 00:34:34,480
Speaker 3: in any relationship, but At the same time, I think

754
00:34:34,640 --> 00:34:37,319
Speaker 3: like you also need to acknowledge that, you know, if

755
00:34:37,360 --> 00:34:40,400
Speaker 3: two people go okay, well, regardless of how good we

756
00:34:40,440 --> 00:34:42,000
Speaker 3: are with money or what we want to do, we're

757
00:34:42,040 --> 00:34:43,680
Speaker 3: going to find a way to make our dreams work.

758
00:34:43,800 --> 00:34:47,680
Speaker 3: Like that is very powerful as opposed to maybe one

759
00:34:47,760 --> 00:34:49,320
Speaker 3: person being like, oh, I want to do this, I

760
00:34:49,360 --> 00:34:50,920
Speaker 3: want to do that, and the other person being like, oh,

761
00:34:50,960 --> 00:34:53,640
Speaker 3: it'd be nice, but we can never do it. It's

762
00:34:53,760 --> 00:34:58,480
Speaker 3: almost like psychological beyond just the actual financial stuff. But

763
00:34:58,560 --> 00:34:59,759
Speaker 3: I feel like you're going to explain that a little

764
00:34:59,760 --> 00:35:00,640
Speaker 3: bit of me because I feel.

765
00:35:00,440 --> 00:35:04,560
Speaker 2: Like I would, No, you're not. I mean, if I

766
00:35:04,640 --> 00:35:07,440
Speaker 2: look at my situation, my husband and I got together

767
00:35:07,640 --> 00:35:09,960
Speaker 2: and when we were just dating, we're both in personal debt,

768
00:35:10,000 --> 00:35:12,640
Speaker 2: we both had personal loans, we both weren't good at money,

769
00:35:12,840 --> 00:35:15,600
Speaker 2: and we have learnt together what that means and what

770
00:35:15,719 --> 00:35:18,440
Speaker 2: our values are. And I'm just I would say, very

771
00:35:18,600 --> 00:35:21,480
Speaker 2: lucky to have obviously met someone have fallen in love

772
00:35:21,520 --> 00:35:24,279
Speaker 2: with madly want all these babies ten out of ten,

773
00:35:24,640 --> 00:35:29,200
Speaker 2: but also somebody who has the same values and goals

774
00:35:29,400 --> 00:35:32,000
Speaker 2: and like, I guess lifestyle aspirations that I have, because

775
00:35:32,000 --> 00:35:33,480
Speaker 2: that could have been really hard, and I'm not in

776
00:35:33,560 --> 00:35:36,359
Speaker 2: that position. But I mean, if you take a really

777
00:35:36,440 --> 00:35:38,719
Speaker 2: big step back, the idea of marrying for love is

778
00:35:38,760 --> 00:35:42,880
Speaker 2: actually really modern. If we look at history, we actually

779
00:35:42,960 --> 00:35:46,640
Speaker 2: married for money. We married, I guess more specifically for survival.

780
00:35:46,920 --> 00:35:51,440
Speaker 2: We married for status, We married for strategic advantage. Families

781
00:35:51,600 --> 00:35:55,120
Speaker 2: negotiated marriages based on what they could get out of it,

782
00:35:55,360 --> 00:35:58,440
Speaker 2: like these idle women. No not, yeah, little women do

783
00:35:58,520 --> 00:36:00,000
Speaker 2: you can't what is it? You can't tell me? Married

784
00:36:00,280 --> 00:36:03,640
Speaker 2: is not an economic proposition exactly, it absolutely is. And

785
00:36:03,719 --> 00:36:05,919
Speaker 2: I mean for much of history, marriage was less about

786
00:36:06,000 --> 00:36:10,640
Speaker 2: romance and more about alliances between families and safely transferring

787
00:36:10,800 --> 00:36:14,120
Speaker 2: wealth and securing land or you know, ensuring a social

788
00:36:14,239 --> 00:36:17,920
Speaker 2: standing or social status, and like that's just the logic

789
00:36:18,120 --> 00:36:20,920
Speaker 2: of it. Like romance is a privilege. Love was a bonus,

790
00:36:20,960 --> 00:36:23,960
Speaker 2: but not a requirement. And I think if we go

791
00:36:24,120 --> 00:36:26,320
Speaker 2: back to that, I'm not saying that that's a good idea.

792
00:36:26,920 --> 00:36:30,200
Speaker 2: That was all about survival. Now, sorry, we're staunch feminists.

793
00:36:30,280 --> 00:36:31,719
Speaker 2: I can go get my own job and I can

794
00:36:31,800 --> 00:36:34,160
Speaker 2: choose to marry for love, and then it does come

795
00:36:34,200 --> 00:36:35,960
Speaker 2: into it, because you're right, somebody could take the wind

796
00:36:36,000 --> 00:36:37,560
Speaker 2: out of your sales if they're not in the same

797
00:36:38,239 --> 00:36:41,840
Speaker 2: situation as you, And I think I mean to be

798
00:36:41,960 --> 00:36:46,359
Speaker 2: really brutal. Yes, in many ways, marrying for your choice

799
00:36:46,360 --> 00:36:48,800
Speaker 2: of partner is the biggest financial decision you'll make. And

800
00:36:48,880 --> 00:36:50,520
Speaker 2: I saw a TikTok the other day. I feel like

801
00:36:50,560 --> 00:36:53,959
Speaker 2: all I do is talk about TikTok and a woman said, oh, girl,

802
00:36:54,520 --> 00:36:57,400
Speaker 2: all mental disappoint you, just marry for money, because at

803
00:36:57,480 --> 00:37:01,120
Speaker 2: least you'll be happy with what outcome happens. And I'm

804
00:37:01,160 --> 00:37:02,600
Speaker 2: not saying that's a good idea because a man is

805
00:37:02,640 --> 00:37:05,680
Speaker 2: not a financial plan, but literally, the person that you

806
00:37:05,800 --> 00:37:08,840
Speaker 2: marry affects everything from how you manage money day to

807
00:37:08,920 --> 00:37:11,160
Speaker 2: day to how you plan for your lifetime goals, for

808
00:37:11,280 --> 00:37:13,640
Speaker 2: how you go on holidays, for how you plan on

809
00:37:13,800 --> 00:37:16,440
Speaker 2: raising kids and buying a home, and like what does

810
00:37:16,480 --> 00:37:19,319
Speaker 2: retirement look like? And having a partner that shares your

811
00:37:19,400 --> 00:37:22,160
Speaker 2: values and is able to communicate openly and honestly with

812
00:37:22,280 --> 00:37:25,799
Speaker 2: you and respects your financial boundaries, I think can help

813
00:37:25,880 --> 00:37:28,719
Speaker 2: you build a secure financial future. So maybe I'm a

814
00:37:28,719 --> 00:37:31,719
Speaker 2: little bit more savage. Maybe I've just unfortunately seen one

815
00:37:31,800 --> 00:37:34,759
Speaker 2: too many divorces come through my financial advice doors. When

816
00:37:34,800 --> 00:37:38,800
Speaker 2: I was an advisor that I am quite negative about marriage.

817
00:37:39,360 --> 00:37:39,879
Speaker 2: Am I married?

818
00:37:39,960 --> 00:37:40,120
Speaker 1: Yes?

819
00:37:40,200 --> 00:37:42,200
Speaker 2: Am I in love with my husband? Absolutely? Yes? Am

820
00:37:42,200 --> 00:37:45,319
Speaker 2: I lucky that we're on the same financial page? Yes?

821
00:37:45,840 --> 00:37:49,440
Speaker 2: But I think that constantly fighting about money and constantly

822
00:37:49,520 --> 00:37:52,440
Speaker 2: feeling alone in that that's not worth it. Yeah, Like,

823
00:37:52,520 --> 00:37:54,560
Speaker 2: because if you don't feel like you're supported, I'm sorry,

824
00:37:54,600 --> 00:37:57,040
Speaker 2: it's no longer about finances anymore. If you don't feel

825
00:37:57,080 --> 00:37:59,279
Speaker 2: supported full stop, you're in a marriage that's not going

826
00:37:59,320 --> 00:38:02,680
Speaker 2: to work. It's like the finance is almost just a

827
00:38:02,840 --> 00:38:07,200
Speaker 2: small element of love. Is so important. Love is like

828
00:38:07,320 --> 00:38:10,080
Speaker 2: to me, it is so important, But so is financial compatibility.

829
00:38:10,719 --> 00:38:12,960
Speaker 2: And I just I'm sorry, I'm so negative about that.

830
00:38:13,000 --> 00:38:15,040
Speaker 2: And they're going to be people who go it doesn't matter,

831
00:38:15,239 --> 00:38:18,200
Speaker 2: like I would work my life away from my partner. Amazing,

832
00:38:18,840 --> 00:38:20,560
Speaker 2: you're actually financially compatible.

833
00:38:20,719 --> 00:38:24,000
Speaker 3: Yeah, but exactly like you, right the example Beck was giving.

834
00:38:24,120 --> 00:38:28,919
Speaker 2: Yeah, So, like, financial compatibility doesn't mean fifty to fifty. Yeah,

835
00:38:28,960 --> 00:38:31,960
Speaker 2: that's not what the default is. Financial compatibility means you're

836
00:38:32,000 --> 00:38:34,120
Speaker 2: both happy with what you contribute, and you're both happy

837
00:38:34,200 --> 00:38:35,680
Speaker 2: with how that works and what that looks like and

838
00:38:35,760 --> 00:38:38,000
Speaker 2: the lifestyle you achieved from that. Yeah. But if you're

839
00:38:38,000 --> 00:38:39,680
Speaker 2: not on the same page. I just don't see how

840
00:38:39,719 --> 00:38:42,040
Speaker 2: it's gonna work out long term. Sorry, by what did

841
00:38:42,080 --> 00:38:44,440
Speaker 2: everybody else say? Okay, so the rest of the community

842
00:38:44,719 --> 00:38:47,799
Speaker 2: or juicy? So we did ask a few questions. First, First,

843
00:38:47,880 --> 00:38:49,920
Speaker 2: we said, do you think who you choose as a

844
00:38:49,960 --> 00:38:54,280
Speaker 2: partner is your biggest financial decision? Surprisingly, twenty eight percent

845
00:38:54,320 --> 00:38:57,080
Speaker 2: of you said yes, interesting, sixty nine percent of you

846
00:38:57,160 --> 00:38:59,680
Speaker 2: said it's just one piece of the puzzle, and three

847
00:38:59,719 --> 00:39:02,880
Speaker 2: percent said money is separate. Then we asked, can a

848
00:39:02,960 --> 00:39:06,960
Speaker 2: relationship work if you're on different pages financially? Seventy two

849
00:39:07,120 --> 00:39:09,200
Speaker 2: percent of you said it can, but it is very

850
00:39:09,280 --> 00:39:12,799
Speaker 2: hard work. Seventeen percent of you said it's a time bomb.

851
00:39:13,480 --> 00:39:15,719
Speaker 2: Seven percent of you said yes, love is the most

852
00:39:15,800 --> 00:39:19,160
Speaker 2: important part in four percent said no, red flag interesting,

853
00:39:19,760 --> 00:39:22,399
Speaker 2: very interesting. And then I asked the community. I said, girl,

854
00:39:22,480 --> 00:39:25,400
Speaker 2: what's your two cents? And did you have four cents?

855
00:39:26,239 --> 00:39:28,160
Speaker 2: First person said, give it time and see if you

856
00:39:28,200 --> 00:39:30,120
Speaker 2: can get on the same page before making any big

857
00:39:30,200 --> 00:39:33,440
Speaker 2: financial decisions. Next person said, you don't want to be

858
00:39:33,520 --> 00:39:35,879
Speaker 2: the one with money ready for a holiday with someone

859
00:39:35,960 --> 00:39:40,160
Speaker 2: who can't go anywhere. Next person said, communication and education,

860
00:39:40,360 --> 00:39:42,200
Speaker 2: that is what I have learnt from She's on the Money,

861
00:39:42,239 --> 00:39:44,640
Speaker 2: and I love explaining what I've learned from She's on

862
00:39:44,680 --> 00:39:47,279
Speaker 2: the Money to my partner. Oh how many times does

863
00:39:47,360 --> 00:39:51,640
Speaker 2: this come back down to? Is communication? Next person said,

864
00:39:51,800 --> 00:39:54,239
Speaker 2: you can have different mindsets, but if you can't talk

865
00:39:54,280 --> 00:39:56,719
Speaker 2: about it like mature adults red flag.

866
00:39:56,520 --> 00:39:59,520
Speaker 3: Emoji, that's a big one. The communication, like the level

867
00:39:59,560 --> 00:40:00,640
Speaker 3: of communit. Yeah.

868
00:40:01,960 --> 00:40:04,600
Speaker 2: Next person said, I ended a marriage after only four

869
00:40:04,680 --> 00:40:07,319
Speaker 2: months due to different financial pages. It was a time

870
00:40:07,360 --> 00:40:10,680
Speaker 2: bomb waiting to burst. Next person said, I have separate

871
00:40:10,680 --> 00:40:13,240
Speaker 2: accounts of the line with my goals, as does my partner,

872
00:40:13,560 --> 00:40:17,280
Speaker 2: as we don't always agree on the financial side of things. Interesting.

873
00:40:18,280 --> 00:40:20,160
Speaker 2: Next person, and this is the last one that I'm

874
00:40:20,160 --> 00:40:22,840
Speaker 2: going to share, said, dating in twenty twenty five is cooked.

875
00:40:23,000 --> 00:40:24,560
Speaker 2: Keep them if they are a good egg.

876
00:40:24,800 --> 00:40:27,000
Speaker 3: I mean, it's tough out from what I've heard from

877
00:40:27,040 --> 00:40:28,040
Speaker 3: the girls, So that's all the same.

878
00:40:29,000 --> 00:40:31,000
Speaker 2: It is tough. But I do think being on the

879
00:40:31,040 --> 00:40:35,160
Speaker 2: same financial page is going to reduce friction in your relationship,

880
00:40:35,640 --> 00:40:38,879
Speaker 2: like and I'm just all about not having a friction relationship.

881
00:40:39,040 --> 00:40:41,440
Speaker 2: Like it's some people are meant to be some people aren't,

882
00:40:41,440 --> 00:40:44,839
Speaker 2: and that's fine. I don't ruber up. I think would

883
00:40:44,880 --> 00:40:48,000
Speaker 2: you rather cry in a Corolla or a Lamborghini.

884
00:40:49,880 --> 00:40:50,960
Speaker 4: Just the last thing I want to say is that

885
00:40:51,920 --> 00:40:54,440
Speaker 4: do be mindful that some people have like really like

886
00:40:54,520 --> 00:40:56,839
Speaker 4: you know, this privileged scene, like some people didn't grow

887
00:40:56,920 --> 00:41:00,640
Speaker 4: up with much money, and it's like anxiety and chat

888
00:41:00,760 --> 00:41:03,040
Speaker 4: to have. And also that's something you read.

889
00:41:03,080 --> 00:41:05,359
Speaker 2: You can be on the same page financially with someone

890
00:41:05,400 --> 00:41:07,480
Speaker 2: who has the money. That's so true. You can be

891
00:41:07,600 --> 00:41:10,440
Speaker 2: on the same page, read somebody. It doesn't mean that

892
00:41:10,600 --> 00:41:13,440
Speaker 2: you have millions. Like we're not talking about needing to

893
00:41:13,480 --> 00:41:16,960
Speaker 2: become a millionaire family. We're just talking about are you

894
00:41:17,160 --> 00:41:19,520
Speaker 2: spending in line with your goals and values? Are you

895
00:41:19,640 --> 00:41:21,960
Speaker 2: achieving the life that you want? Because like, can you

896
00:41:22,080 --> 00:41:25,080
Speaker 2: imagine Beck if your partner was like, well, I want

897
00:41:25,080 --> 00:41:27,200
Speaker 2: you to save every single dollar because we need to

898
00:41:27,239 --> 00:41:29,680
Speaker 2: have six million dollars invested by the time we get here,

899
00:41:29,760 --> 00:41:32,480
Speaker 2: and you literally couldn't care less about that, and that

900
00:41:32,640 --> 00:41:34,759
Speaker 2: was all they cared about. They just cared about the money.

901
00:41:35,520 --> 00:41:37,480
Speaker 2: Like maybe they should go be with someone who makes

902
00:41:37,520 --> 00:41:39,919
Speaker 2: more money and cares more about money and that would

903
00:41:39,920 --> 00:41:42,600
Speaker 2: make them happier, like totally, and that's not the case.

904
00:41:42,880 --> 00:41:45,800
Speaker 2: So like, no to be on the same page financially

905
00:41:45,880 --> 00:41:47,799
Speaker 2: with someone doesn't mean you even if I have a dollar.

906
00:41:47,960 --> 00:41:50,439
Speaker 2: In fact, my husband and I both started in debt

907
00:41:50,640 --> 00:41:54,640
Speaker 2: and we're still on the same page. Yeah, and that's okay. Anyway,

908
00:41:54,640 --> 00:41:56,640
Speaker 2: it's okay. I think that's all we've got time for today,

909
00:41:56,680 --> 00:41:58,680
Speaker 2: my babies. Yes, I think so as gorgeous place to

910
00:41:58,719 --> 00:42:00,479
Speaker 2: leave it. Yeah, I see you on Monday for money,

911
00:42:00,520 --> 00:42:03,560
Speaker 2: diries and have a good weekend, babe, by guys bye.

912
00:42:09,880 --> 00:42:12,000
Speaker 2: The ad by shared on She's on the Money is

913
00:42:12,120 --> 00:42:15,680
Speaker 2: general in nature and does not consider your individual circumstances.

914
00:42:16,040 --> 00:42:19,440
Speaker 2: She's on the Money exists purely for educational purposes and

915
00:42:19,520 --> 00:42:21,920
Speaker 2: should not be relied upon to make an investment or

916
00:42:22,000 --> 00:42:25,560
Speaker 2: financial decision. If you do choose to buy a financial product,

917
00:42:25,680 --> 00:42:29,640
Speaker 2: read the PDS TMD and obtain appropriate financial advice tailored

918
00:42:29,680 --> 00:42:33,120
Speaker 2: towards your needs. Victoria Divine and She's on the Money

919
00:42:33,200 --> 00:42:38,120
Speaker 2: are authorized representatives of Money. Sheper Pty Ltd ABN three

920
00:42:38,200 --> 00:42:41,439
Speaker 2: two one six four nine two seven seven zero eight

921
00:42:41,760 --> 00:42:44,279
Speaker 2: AFSL four five one two eight nine