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Speaker 1: She's on the Money.

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Speaker 2: She's on the Money.

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Speaker 3: Hello, and welcome to She's on the Money, the podcast

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Speaker 3: for millennials who want financial freedom. Welcome back to another

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Speaker 3: one of our Money Diary episodes, where this week we

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Speaker 3: speak to an epic money diarist who has three kids,

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Speaker 3: having started having children at the age of seventeen and

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Speaker 3: she's only twenty six now. She is beyond impressive. She

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Speaker 3: has her own small business. But one of the most

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Speaker 3: exciting things about this Money Diary is not actually the

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Speaker 3: Money Diary, is it Tony Lodge. Recently we've had Tony

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Speaker 3: Lodge join the team, and in joining the team as

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Speaker 3: our executive producer, she's one going to be putting our

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Speaker 3: podcast together, but me too. She's going to be joining

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Speaker 3: us every Monday moving forward to help bring to life

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Speaker 3: our money Diaries.

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Speaker 2: Hey, thank you for having me.

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Speaker 1: It's so exciting.

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Speaker 3: I am genuinely so excited about this because you are

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Speaker 3: a vision. You are a glowy human that everybody loves.

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Speaker 3: And she's also really funny, guys, like really really funny.

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Speaker 1: I mean, hease, don't put pressure on no, but like

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Speaker 1: not on TikTok. She's not funny on TikTok.

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Speaker 2: Funny on TikTok.

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Speaker 3: She tries, but she's not funny on TikTok. But that

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Speaker 3: is okay, and you know what she is. She's also

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Speaker 3: incredibly intelligent, so we are so grateful to have her

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Speaker 3: join the team.

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Speaker 1: But this is Money.

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Speaker 3: Diaries episode, so let's stop stroking your ego and get

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Speaker 3: into it.

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Speaker 1: Tony.

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Speaker 3: We got sent an email this week. Do you want

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Speaker 3: to read it out?

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Speaker 1: Okay?

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Speaker 2: Hi, she's on the Money Team.

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Speaker 4: I'm twenty six years old, married and a mum of

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Speaker 4: three boys. I met my now husband at fourteen years old,

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Speaker 4: oh Cue, and ended up falling pregnant and giving birth

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Speaker 4: at seventeen years old. We never had savings and used

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Speaker 4: every last cent of our income each week. Three years later,

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Speaker 4: I had my second child, and that's when I started

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Speaker 4: my own business, something I could do from home around

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Speaker 4: my kids' schedules, and made that my full time employer.

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Speaker 2: Within a few weeks.

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Speaker 1: How good.

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Speaker 4: I went on to have my third child and continue

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Speaker 4: to grow my small business, but desperately wanted to buy

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Speaker 4: a home, no matter how long it took. Now we

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Speaker 4: have an over the top an incredibly detailed budget which

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Speaker 4: we love to hear. Money Divided into thirteen bank accounts

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Speaker 4: your tea, including an emergency account, something I never thought

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Speaker 4: I could achieve, and are well on our way to

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Speaker 4: our savings goal to build our first home later this year.

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Speaker 4: Crazy to think three years ago we would end our

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Speaker 4: pay weeks with zero dollars to our name, and now

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Speaker 4: we have numerous accounts with savings for everything under the sun.

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Speaker 1: Oh my gosh, how good is that? Amazing? Have you

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Speaker 1: finished the email? Can we chat to her now? Now?

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Speaker 2: Let's chat.

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Speaker 3: Obviously we can't use your name, and I can't think

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Speaker 3: of a good hustler name yet, but I'm so impressed

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Speaker 3: with your money, Darian.

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Speaker 1: Welcome to the She's on the Money Diaries.

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Speaker 5: Thank you for having me.

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Speaker 1: Oh my gosh, I'm so proud of you and I

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Speaker 1: don't even know you. How good is that? All right?

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Speaker 3: So the way this is going to work, let's jump

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Speaker 3: straight into all those questions that we've got and then.

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Speaker 1: We can have a chat about all of it straight after.

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Speaker 1: Is that alright with you?

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Speaker 5: Yes? That sounds great?

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Speaker 1: All right?

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Speaker 3: As always, the first question is what is your attitude

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Speaker 3: towards money?

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Speaker 5: So I'm very con sit in with I want to

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Speaker 5: make sure every loss sent counts in our budget. I

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Speaker 5: don't like wasting anything, but it definitely has not always

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Speaker 5: been that way. For so long, we just like deliver

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Speaker 5: each week, and we did not have any sort of

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Speaker 5: goal or idea what we wanted to do with our money.

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Speaker 5: You just floated through on our bills are paid. We

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Speaker 5: were happy, but definitely very different. Now.

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Speaker 3: How good is that? I love when people know what

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Speaker 3: their journey has been like.

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Speaker 2: So satisfying looking back as well.

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Speaker 3: Totally all right, And what do you do for work now?

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Speaker 3: And how much do you currently earn?

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Speaker 5: So? I own a cleaning service, cleaning baby equipment. I

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Speaker 5: earn about on track about thirty thousand this year.

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Speaker 3: Oh, how good is that? And it's all just like

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Speaker 3: on your terms.

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Speaker 5: So I just work from home. Sometimes I can work

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Speaker 5: an hour a day or seven or several hours a

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Speaker 5: day and get more work if I need to. So

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Speaker 5: it works really well for me around my kids.

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Speaker 1: All right, all right, onto the questions.

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Speaker 3: I've got so many questions, but onto the actual scheduled questions.

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Speaker 3: What is currently your big money goal?

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Speaker 5: Definitely to start building a home later this year. Hopefully

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Speaker 5: we can get to that goal. We're on track right now.

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Speaker 1: Exciting do you currently invest.

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Speaker 5: I do, but not the typical way everyone applies to

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Speaker 5: this question. So I was possing up between micro investing

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Speaker 5: or other investing, and I kind of had a lightful

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Speaker 5: moments that the whole reason I want to invest was

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Speaker 5: to set myself up in retirement. So being self employed

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Speaker 5: and only my sense and I put my money into

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Speaker 5: my super. I said to invest genius.

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Speaker 2: You've got a plan, girls, a plan.

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Speaker 1: Love that.

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Speaker 3: And you know what, so many small business owners just

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Speaker 3: forget to pay themselves super and they just don't consider it.

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Speaker 3: They're like, oh, I will when I can afford it,

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Speaker 3: and it's like, Oh, you're going to need to do

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Speaker 3: it now because otherwise it's going to be so much

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Speaker 3: more expensive to think.

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Speaker 1: About it later.

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Speaker 2: One hundred percent.

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Speaker 1: Yeah, so smart. I love that.

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Speaker 3: So do you currently have any debts?

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Speaker 5: Zero debt. We're paid off everything we have ever had.

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Speaker 1: Really, Oh my gosh.

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Speaker 3: And you're on track to buying your first property, started

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Speaker 3: having babies in your teenage years and you're killing it.

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Speaker 1: Oh I love this.

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Speaker 3: Hold on, Hold on all right, next question, what is

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Speaker 3: your best money habit?

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Speaker 5: I'm very cruel. I like to make sure I get

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Speaker 5: the best price for anything we purchase, that's seeing food

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Speaker 5: or clothes or furniture, I will find the best price

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Speaker 5: that is guarantee it.

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Speaker 1: That is good. Have you got any tips for us?

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Speaker 3: How do we implement finding the best price guarantee Just.

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Speaker 5: Take your time, don't buy very fast, makes you do

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Speaker 5: lots and lots of research because you're guaranteeing and buy

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Speaker 5: something better at a bitter price.

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Speaker 1: I love that.

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Speaker 3: And in contrast, what's your worst money habit?

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Speaker 5: Ah? Probably take out just far too easy to drive

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Speaker 5: down a macas for dinner when you've had a long

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Speaker 5: day's work and you've got three hendry kIPS in the car.

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Speaker 5: So I definitely need to break that habit.

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Speaker 3: I feel like when I become a parent, that will

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Speaker 3: absolutely be me.

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Speaker 2: I think there's a lot of people that would relate

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Speaker 2: to that. Yeah, yeah, it's or not. Yeah.

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Speaker 3: I feel like there's so many people that always like,

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Speaker 3: oh my gosh, yeah, when I have kids, I'm never

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Speaker 3: going to feed them non organic anything and they're only

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Speaker 3: ever going.

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Speaker 1: To drink water. And I already know that's not going

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Speaker 1: to be me. Like I already know have to be realistic.

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Speaker 1: Macis chips off, the kids can have them all the time.

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Speaker 5: I'm already not worth the fight. At night time. You

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Speaker 5: just have to give a macis instead of veggies exactly five.

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Speaker 3: Yeah, No, I'm totally for that because I know what

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Speaker 3: I'm like when I'm hungry, so therefore I know what

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Speaker 3: future children are going to be like, and I guarantee

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Speaker 3: you it'll be ten times worse than me. So give

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Speaker 3: them the macas chips. And they probably won't get the

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Speaker 3: diet Cocai order because it won't allow.

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Speaker 4: That I don't know, water obviously, unless it's a Friday,

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Speaker 4: they get a fantas.

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Speaker 1: Yeah, they can have had on Friday, all right.

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Speaker 3: And if I asked you to give yourself a grade,

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Speaker 3: what would you grade your money habits?

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Speaker 5: Probably ab because I definitely have room to improve. But

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Speaker 5: I've definitely improved from where we were only.

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Speaker 1: A b.

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Speaker 5: I just feel like I had so much more to learn,

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Speaker 5: especially when we do eventually buy a home. There's only

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Speaker 5: a whole new ballpark of bills. I don't even know

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Speaker 5: anything about.

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Speaker 2: Oh you're such a grown up.

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Speaker 1: I love you. I love you. Oh my gosh.

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Speaker 3: All right, we have so many more questions for you,

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Speaker 3: and we'll just to a quick break and then I'm

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Speaker 3: going to dive straight into them. All right, we are back,

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Speaker 3: and I am so excited to ask you some questions.

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Speaker 3: I hope it's not too pervy. But you mentioned before

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Speaker 3: you had your first child at seventeen, got into a

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Speaker 3: relationship at fourteen. How old are you now with three children.

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Speaker 5: I'm twenty six right now.

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Speaker 3: And so you've now got three kids and one of

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Speaker 3: them ages because I'm really bad at that quick match.

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Speaker 5: So they are nine or almost nine, almost six, and

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Speaker 5: almost three.

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Speaker 1: Wow, oh my gosh.

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Speaker 3: And how does that make you feel when it comes

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Speaker 3: to money, because obviously having a kid at seventeen, I

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Speaker 3: really doubt is a lot of people's plans. It's kind

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Speaker 3: of just something that you go, all right, well this

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Speaker 3: is happening, We're going to deal with it. But how

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Speaker 3: has that impacted your money story?

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Speaker 5: So it's definitely made it more difficult or you didn't

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Speaker 5: move out. It's hard for anyone financially to move out,

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Speaker 5: but then have to throw on the extenses of kids

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Speaker 5: and have to make sure responsible right from the starts

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Speaker 5: you don't fall behind. It's hard and that sense, but

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Speaker 5: it also gives you kick up the bombs to do

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Speaker 5: the right things. From the start, So I didn't like,

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Speaker 5: we know, fell into a big set or anything in

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Speaker 5: those first years, which you know a lot of people do,

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Speaker 5: so that kind of helps.

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Speaker 2: I guess, yeah.

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Speaker 1: Absolutely.

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Speaker 4: We talk a bit about how FOMO affects our finances

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Speaker 4: and our financial story on She's on the Money. Do

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Speaker 4: you feel like, because you were younger and having kids,

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Speaker 4: like your friends would have been going out and partying

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Speaker 4: and like spending a summer in Europe and things like,

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Speaker 4: did you feel like you had to service your family

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Speaker 4: but then also meet the standards of what your friends

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Speaker 4: were up to while you were young as well.

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Speaker 2: Do you feel like that affected you.

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Speaker 5: When I was younger, No, actually, because my husband and

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Speaker 5: I are quite quiet people. We don't party or anything.

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Speaker 5: But as you got older, we saw all our friends

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Speaker 5: at cheer, buying homes, just having these grand weddings. But

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Speaker 5: that's something that was never would never we'd be good

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Speaker 5: at tea as much as you as like to. So

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Speaker 5: I guess it's no when you were younger, but definitely

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Speaker 5: has you get older and realize you're falling behind where

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Speaker 5: everyone else is sitting in their life.

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Speaker 3: See, I feel like you've got it right, Like I

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Speaker 3: feel like maybe this is a very backwards opinion, but

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Speaker 3: when I'm because I'm turning thirty in the next couple

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Speaker 3: of months and I don't have kids on them, probably

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Speaker 3: a couple of years off kids, Yet I feel like,

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Speaker 3: when I have kids, you're going to have already gone

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Speaker 3: through that. So you're going to be like laughing at

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Speaker 3: me being older not having as much energy for these children.

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Speaker 3: You're like, mate, I'm done with that.

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Speaker 2: I have sleeper, it's already gone, get all gone.

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Speaker 3: So you can actually live your best life in the

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Speaker 3: period of time where you can generate great income and

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Speaker 3: like have a work life balance that works, instead of

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Speaker 3: also trying to make it in a career while having

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Speaker 3: a toddler that needs.

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Speaker 1: To be dropped off at daycare.

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Speaker 3: Like, your kids are going to be pretty self sufficient

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Speaker 3: at that point, So I feel like you might feel

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Speaker 3: a little bit behind, But I guarantee everything's going to

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Speaker 3: come to a griddening holt for a lot of those friends,

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Speaker 3: and you'll end up being the ones that are like, yeah,

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Speaker 3: see cool, we're just popping off for the weekend. We're

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Speaker 3: having a great time, have fun picking up your four

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Speaker 3: year old from.

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Speaker 1: Daycare at forty Victoria. Yeah, that's what's going to happen.

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Speaker 5: I definitely, I definitely talk a husband a lot of that,

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Speaker 5: all the things, all places we're going to go to

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Speaker 5: when the kids are grown up, all the travel we're

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Speaker 5: going to do. You feel all more financially stable when

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Speaker 5: we go travel. Don't have to get credit cards to

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Speaker 5: travel or anything like that.

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Speaker 3: Oh my gosh, that is so true, though, Like I

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Speaker 3: hate that you said you felt behind. I was like, no,

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Speaker 3: I feel like, yeah, exactly on track. Like you sound

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Speaker 3: like a really level headed person. How do you talk

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Speaker 3: to your kids about money?

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Speaker 5: So we're quite open, so they know our budget. We

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Speaker 5: talk with them when I'm working it out. They sit

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Speaker 5: with me and they look at it. They obviously don't understand,

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Speaker 5: but they are understanding that we need a budget so

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Speaker 5: we can pay our bills. And they're watching us grow

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Speaker 5: our savings to buy a home, and they're italy waiting

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Speaker 5: for us to get to that goal just as much

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Speaker 5: as we are.

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Speaker 3: And when they get older, it's like having a fan

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Speaker 3: club of people who are cheering you on to my

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Speaker 3: first home. I feel like we'd all achieve a goal

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Speaker 3: much quicker if we all had a little fan club.

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Speaker 5: Yeah, I have like a visual thing on our whiteboard

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Speaker 5: of where we're got like half away. Jeeves and the

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Speaker 5: boys like, definitely make sure we don't fall behind or

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Speaker 5: skip a week of savings because they can see that.

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Speaker 2: So you want, so sweet?

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Speaker 1: I love that?

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Speaker 3: And to b Pervy again, what does your partner do?

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Speaker 3: And how much does your partner earn?

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Speaker 5: So he works in customer service and he earns about

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Speaker 5: fifty five thousand dollars a year.

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Speaker 3: That's pretty good. That's pretty good. And is he the

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Speaker 3: same age as you? You met at fourteen?

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Speaker 2: Yet?

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Speaker 5: Yes, yes, he is the same age as me.

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Speaker 1: That is so sweet.

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Speaker 2: Are you guys are killing it?

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Speaker 3: I know.

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Speaker 1: I love love stories as well.

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Speaker 3: I love when people are like, oh, yeah, we met

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Speaker 3: at school and now three kids, Like it's so sweet.

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Speaker 3: So how do between you you guys meet your joint

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Speaker 3: money goals?

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Speaker 1: Like?

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Speaker 3: Have you always been on the same page about money goals?

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Speaker 3: Obviously you said that a home is something that you're

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Speaker 3: working towards. Do you have the same money values or

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Speaker 3: is that something that you come up against or you know,

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Speaker 3: talk to me about that.

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Speaker 5: My husband and I are definitely on the same track.

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Speaker 5: How the same goals of mine? So I sit down

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Speaker 5: and write the budget, and my husband's definitely with me,

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Speaker 5: agrees that the goals we want to achieve, and agrees

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Speaker 5: with them that we put into each account and we

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Speaker 5: have its joint account, so or am I just grossed

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Speaker 5: to one and just automative transferred to each account? So

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Speaker 5: we're all pretty happy and find it very easy to handle.

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Speaker 2: I guess so you said.

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Speaker 4: That you've got thirteen bank accounts, Like how do you

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Speaker 4: prioritize what goes where? And is that kind of how

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Speaker 4: you manage exactly what's where, or like what's your thinking

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Speaker 4: behind that?

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Speaker 5: So we have a very detailed budget. We actually download

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Speaker 5: one from money smart and it is amazing to get

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Speaker 5: all the details I need, and we supposit all our

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Speaker 5: income into one joint account. From there, we have automatic

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Speaker 5: transfers into thirteen different accounts for all the different bills.

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Speaker 5: So we have accounts for savings and blurred and growthries

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Speaker 5: and school and daycare and utilities and kidsidentals and you

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Speaker 5: name it, we have an account for it. So then

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Speaker 5: we know, like when money comes out of the account,

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Speaker 5: we're not going to take money from another account. It's

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Speaker 5: all evenly spread out.

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Speaker 3: Yeah, that's so good, And do you feel like that

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Speaker 3: actually just keeps you more on track, because there's not

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Speaker 3: just one big pot of money that you can be

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Speaker 3: tempted to dip into.

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Speaker 5: Yes, yes, absolutely. Previously we had a bank account where

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Speaker 5: all our money would go into one bill's account. We

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Speaker 5: we'd call it. But it's so easy to actent spend

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Speaker 5: more on like a celebration than we expected, like a

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Speaker 5: kid's birthday, and then that takes from our regro for instance,

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Speaker 5: and then we'll get to the day regro is to

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Speaker 5: you and you're like, oh my god, there's not enough

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Speaker 5: money in here. Now.

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Speaker 3: Oh, that's so stressful, especially with three kids, that's a

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Speaker 3: lot to deal with.

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Speaker 1: How do kids? I obviously don't have children.

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Speaker 3: We've recently done an episode on having children and the

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Speaker 3: costs associated with giving birth, not actually bringing up children. Yeah,

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Speaker 3: but like what does that look like on a weekly

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Speaker 3: or monthly basis? Like what are kids on average? I

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Speaker 3: guess cost especially three of them.

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Speaker 5: Oh, they're expensive.

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Speaker 1: I can't imagine.

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Speaker 2: Yeah, that's a lot of tiny teddies.

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Speaker 5: Yeah. I think the biggest expense is daycare because our kids,

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Speaker 5: so our water kids for a public school, and just

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Speaker 5: the amounts on daycare for the month is enough to

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Speaker 5: cover their tie expenses for the public school for the.

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Speaker 3: Year much daycare per month, so.

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Speaker 5: Each days one hundred and fifteen dollars and they go

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Speaker 5: three days a.

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Speaker 3: Week one hundred and fifteen dollars a day to go

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Speaker 3: to daycare.

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Speaker 5: And we're not even like get a capital city or

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Speaker 5: anything like that, which is even more expensive.

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Speaker 1: Oh my gosh.

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Speaker 3: I always end up really shocked about the cost of daycare,

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Speaker 3: which at the same time is going, you know what,

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Speaker 3: that's ridiculous, Like, that's so much money. You can also

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Speaker 3: see on the flip side, you're like, you know what,

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Speaker 3: it's my child and they're being looked after. But the

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Speaker 3: amount of daycare workers do not get paid is not

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Speaker 3: reflective of the amount of money that parents are paying

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Speaker 3: for them to go to daycare. And you what else

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Speaker 3: baffles me about this is that is a cost.

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Speaker 1: This is all personal opinions, so please don't take it

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Speaker 1: this advice, my friends. What it costs for a child to.

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Speaker 3: Go to daycare to me, in my opinion, is directly

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Speaker 3: related to your ability to produce an income as a parent.

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Speaker 3: So given it is a work related cost, why is

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Speaker 3: it not tax deductible? Ooh, interesting? Imagine if you could

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Speaker 3: claim daycare on tax how much easier life would be. Like,

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Speaker 3: I'm not even asking for daycare to be brought down,

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Speaker 3: just let me claim it on tax.

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Speaker 4: I think as well, because being able to send your

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Speaker 4: kids to daycare and correct me if I'm wrong gives

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Speaker 4: you a sense of independence and your own identity to

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Speaker 4: be able to work or whether that's time that you

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Speaker 4: spend being able to go to the gym or do

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Speaker 4: your own stuff, whatever, it is like all that life

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Speaker 4: admin that kind of pops up that you've got to do,

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Speaker 4: and you need that spare time just to be your

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Speaker 4: own person. It would be really like liberating to be

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Speaker 4: able to do your own thing. But I mean absolutely

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Speaker 4: it's very expensive to be able to do it.

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Speaker 3: But one hundred and fifteen dollars a day, that's like

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Speaker 3: more than three hundred dollars a week. That's what some

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Speaker 3: people are making in a week, which makes it completely

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Speaker 3: unequitable to be sending kids to daycare. Sometimes, no wonder

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Speaker 3: women are put in a position where they have to

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Speaker 3: choose between well do I just stay home.

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Speaker 2: Because then I don't have to outlay that exact money.

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Speaker 3: Once you have three kids under four and none of

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Speaker 3: them are at school. Yeah, that would be so expensive

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Speaker 3: and it feels so harsh to be having to make

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Speaker 3: decisions like that.

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Speaker 1: Yeah, I respect you.

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Speaker 2: Yeah, No, that's no easy feat for sure.

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Speaker 5: It was definitely it's sending me proper for a long

404
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Speaker 5: time because of how expensive it is. But last year

405
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Speaker 5: during COVID, they made free childcare, so that definitely got

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Speaker 5: us to put our youngest into daycare because I relish that,

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Speaker 5: and then I realized how much I needed that because

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Speaker 5: I was so much more productive at work having our

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Speaker 5: children home. Yeah, abso lately couldn't call them out after that.

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Speaker 4: I know that you mentioned a little bit about like

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Speaker 4: what your business is before, but could you talk a

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Speaker 4: bit more about what your small business is and how.

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Speaker 1: Many start that. There's a mom of three, Yeah, that's huge.

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Speaker 5: So I own a business cleaning all things baby equipment.

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Speaker 5: It's a nice, easy job to do from home. I

416
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Speaker 5: started it. I previously work in a pharmacy and then

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Speaker 5: I was having a really hard time working there. I

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Speaker 5: had much about anxiety to think about even going to work.

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Speaker 5: And then my eldest son got really sick and was

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Speaker 5: in hospital and I had to call in, say calling

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Speaker 5: sick and I was to come in for a couple

422
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Speaker 5: of weeks, and the moment I hung up, I just

423
00:18:36,000 --> 00:18:39,080
Speaker 5: was such a relief from my constant anxiety that I

424
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Speaker 5: knew that was it. I had to find Yes. I

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Speaker 5: wrote my resonation email within thirty minutes.

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Speaker 3: Oh my gosh, you were like, actually, you know how

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Speaker 3: I said a couple of weeks I kind of meant, ever, yeah, I'm.

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Speaker 2: Not coming back.

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Speaker 5: Yeah. So that was kind of push up the brew

430
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Speaker 5: up the bum to get a small business going, and

431
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Speaker 5: I had been thinking out the stages, so I just thought,

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Speaker 5: what the hell, I'll do it now, and it ended

433
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Speaker 5: up working out really well because there's no one in

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Speaker 5: our area that services me.

435
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Speaker 3: But that would be booming, right because surely like stuff

436
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Speaker 3: like prams and high chairs get absolutely filthy.

437
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Speaker 5: Yeah, yes, absolutely, and there's so many of them all

438
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Speaker 5: around Australia now ever since I found my business, so

439
00:19:21,640 --> 00:19:24,520
Speaker 5: it's definitely something that is very needed everywhere.

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Speaker 1: Absolutely, what a good idea. Yeah, that's so niche.

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Speaker 3: But also I love that she can just do it

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Speaker 3: from home. You don't even have to go to other

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Speaker 3: people's places to do it.

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Speaker 2: Yeah, and also you could do it at your own pace.

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Speaker 4: As long as people had things when they needed it,

446
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Speaker 4: you could kind of sit at home and go like, oh,

447
00:19:40,160 --> 00:19:41,679
Speaker 4: I don't have time for that right now, I'll do

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00:19:41,720 --> 00:19:45,040
Speaker 4: it in a second, you know, no deadline of Yeah amazing,

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00:19:45,400 --> 00:19:46,040
Speaker 4: I love that.

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00:19:46,200 --> 00:19:46,760
Speaker 1: I could do that.

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00:19:46,920 --> 00:19:48,959
Speaker 5: But I'm too over the top of like, oh, how

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00:19:48,960 --> 00:19:50,160
Speaker 5: did you get this done?

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Speaker 2: We're the same so I don't know why I even

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00:19:53,040 --> 00:19:53,320
Speaker 2: said that.

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00:19:53,359 --> 00:19:55,560
Speaker 1: Do no worry, Like, I totally get it.

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00:19:55,560 --> 00:19:58,400
Speaker 3: It's good in theory, but then you yeah, no, it's

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00:19:58,400 --> 00:20:01,600
Speaker 3: not how it works. But that's okay. That's a conversation

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00:20:01,680 --> 00:20:05,919
Speaker 3: to have over on the Business Bible. Yeah, well, money diarist,

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00:20:06,040 --> 00:20:08,640
Speaker 3: It has been so so lovely to have a chat

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00:20:08,680 --> 00:20:11,520
Speaker 3: with you today. Thank you so much for sharing your story.

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00:20:11,560 --> 00:20:13,960
Speaker 3: I'm so excited that we get to have these conversations

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00:20:14,000 --> 00:20:16,760
Speaker 3: each and every single week with members of our community

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00:20:16,800 --> 00:20:18,560
Speaker 3: where they get to share their story and we get

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00:20:18,560 --> 00:20:21,240
Speaker 3: to know all the perfect details about how they live

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00:20:21,280 --> 00:20:22,119
Speaker 3: their money lives.

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00:20:22,680 --> 00:20:24,360
Speaker 5: Thank you for having me. Nice the chat.

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00:20:24,800 --> 00:20:27,199
Speaker 3: Okay, but just before we head off, we'd like to

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00:20:27,240 --> 00:20:30,720
Speaker 3: acknowledge and pay respect to Australia's Aboriginal and Torrest Trade

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00:20:30,760 --> 00:20:34,639
Speaker 3: islander people's the traditional custodians of the lands, the waterways

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00:20:34,640 --> 00:20:37,760
Speaker 3: and the skies all across Australia. We thank you for

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00:20:37,840 --> 00:20:39,879
Speaker 3: sharing and for caring for the land on which we

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00:20:39,920 --> 00:20:42,680
Speaker 3: are able to learn. We power respects to elders past

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00:20:42,760 --> 00:20:45,480
Speaker 3: and present, and we share our friendship and our kindness.

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Speaker 4: The advice shed on She's on the Money is general

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00:20:48,200 --> 00:20:51,960
Speaker 4: in nature and does not consider your individual circumstances. She's

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00:20:52,000 --> 00:20:55,240
Speaker 4: on the Money exists purely for educational purposes and should

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00:20:55,280 --> 00:20:58,200
Speaker 4: not be relied upon to make an investment or financial decision,

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00:20:58,720 --> 00:21:02,200
Speaker 4: and we promise Victoria one is an authorized representative of

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00:21:02,280 --> 00:21:06,719
Speaker 4: Australia Pacific Funds Management Proprietary Limited ABN three four one

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00:21:06,840 --> 00:21:10,680
Speaker 4: three two four six three two five seven AFSL three

481
00:21:10,720 --> 00:21:13,280
Speaker 4: three nine one five one And thanks to the team

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00:21:13,320 --> 00:21:16,600
Speaker 4: of audio wizards putting together today's podcast, I'm actually that's me.

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00:21:16,840 --> 00:21:19,240
Speaker 1: That's so your Thank Tony, thank you, You're welcome.

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00:21:19,280 --> 00:21:24,400
Speaker 4: You are so good, Tony your head, Oh Tony is beautiful.

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00:21:24,440 --> 00:21:26,040
Speaker 1: All right, people on TikTok don't.

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00:21:26,119 --> 00:21:29,240
Speaker 3: But speaking of social media, we would love it if

487
00:21:29,240 --> 00:21:32,080
Speaker 3: you joined our Facebook group, where our community shares money,

488
00:21:32,080 --> 00:21:35,199
Speaker 3: tips and tricks every single day, free of judgment. So

489
00:21:35,400 --> 00:21:38,080
Speaker 3: She's on the Money on Facebook and join us. If

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00:21:38,119 --> 00:21:40,119
Speaker 3: Facebook's not a thing, you can also find us on

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00:21:40,160 --> 00:21:43,440
Speaker 3: the gram where Tony We have just hit one hundred.

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00:21:43,240 --> 00:21:47,000
Speaker 1: Thousand Instagram followers. Does that make us influences?

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00:21:47,080 --> 00:21:48,840
Speaker 2: Oh my god, Send us stuff.

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00:21:48,560 --> 00:21:51,120
Speaker 1: Send us stuff. We have the blue tick weally gin.

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00:21:51,840 --> 00:21:54,160
Speaker 3: We're she is on the Money a US and don't

496
00:21:54,160 --> 00:21:56,800
Speaker 3: forget to rate, review, subscribe, whatever you do on whatever

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00:21:56,840 --> 00:21:58,840
Speaker 3: podcast platform you fund us on.

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00:21:59,040 --> 00:22:00,480
Speaker 1: See you next week, say