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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud your

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming through.

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Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and

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Speaker 1: the storytelling of you to make a difference for today

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Speaker 1: and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 4: Hello, and welcome to She's the Podcast Millennials who want

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Speaker 4: financial freedom. Welcome back to another shot back money Dairy Monday,

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Speaker 4: where we get to chat to one of our beautiful

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Speaker 4: community members to learn all about them and their finances

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Speaker 4: and all of the other fun bits as well. Victoria,

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Speaker 4: Hello today, I've got a fun one.

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Speaker 2: Oh who would have thought? Yess I know. Let me

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Speaker 2: tell you all about her.

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Speaker 4: So our diarist says, I'm a single mum who has

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Speaker 4: bought a house, an investment property and a landover all

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Speaker 4: within twelve months. Without help or relying on child support.

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Speaker 3: What.

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Speaker 4: I come from a corporate banking background and was super

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Speaker 4: unhappy in my marriage, so I left. I had no

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Speaker 4: idea how I'd pay for anything, and restarted my life

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Speaker 4: at twenty nine with sixty dollars in my bank account.

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Speaker 4: I had a girlfriend who was doing OnlyFans, and so

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Speaker 4: I began doing it too. I made four hundred thousand

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Speaker 4: dollars in the past twelve months.

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Speaker 2: What a queen money diarist. Welcome to the show. I

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Speaker 2: feel like we've been talking about only fans a lot

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Speaker 2: on the podjasts, like we're not sponsored by them. We

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Speaker 2: just happened to have a fair few life making bank

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Speaker 2: in our community on it.

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Speaker 3: Thanks for having me. I actually came across your podcast

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Speaker 3: because I searched only Fans in Spotify, just wanting to

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Speaker 3: hear some episode, just learn more about only just content.

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Speaker 2: Yeah, and I think at.

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Speaker 3: The time you just had done an episode on somebody

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Speaker 3: who was doing only fans as well. I listened to that,

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Speaker 3: and then I became hooked on She's on the Money podcast,

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Speaker 3: which I guess was the big start of my money journey.

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Speaker 2: Oh my god, how exciting. Well, welcome to the show.

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Speaker 2: And I'm glad that you're in our community. I want

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Speaker 2: to know so much about your situation. It sounds like

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Speaker 2: you're an actual hustler. But as always, we have to

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Speaker 2: start with the structured questions or Jess might get me.

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Speaker 2: So I want to know. Can you tell us a

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Speaker 2: little bit about your money story?

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Speaker 3: So my money story? I want to necessarily say that

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Speaker 3: I'm driven by money or that money is a priority

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Speaker 3: for me. However, stability and structure is really important to

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Speaker 3: me as a single mom. I didn't have that growing up,

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Speaker 3: and as a single mom, I realized quite quickly that

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Speaker 3: money was going to be the tool that would achieve

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Speaker 3: that for not only me, but for my kids as well.

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Speaker 2: Oh my gosh, so you are twenty nine and you

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Speaker 2: have two kids? Is that right?

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Speaker 3: I was twenty nine when I first started OnlyFans. I'm

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Speaker 3: thirty two now and I have two kids.

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Speaker 2: Yes, how exciting? All right? I want to know what

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Speaker 2: do you do for work and how much money do

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Speaker 2: you earn?

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Speaker 3: I am a full time OnlyFans creator and last financial

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Speaker 3: year I sold over four hundred thousand dollars worth of

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Speaker 3: nude content.

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Speaker 2: Oh get it, queen. I want to know though, all right,

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Speaker 2: let's break it down. So a few people have messaged

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Speaker 2: me off the back of a few of our other

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Speaker 2: OnlyFans content episodes and they're like, well, how does it

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Speaker 2: actually work? So can you break down how you generate income?

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Speaker 2: Because you don't just chuck up a nude picture someone

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Speaker 2: buys it, right, That's not how it works. So can

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Speaker 2: you explain how it works and then how you utilize it?

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Speaker 2: Because I think that lots of different people do lots

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Speaker 2: of different things.

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Speaker 3: Absolutely, So the way I like to explain OnlyFans is

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Speaker 3: it's like Instagram, but for nudity. So it costs people

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Speaker 3: to follow or subscribe to me, so that's one avenue.

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Speaker 3: I make money from a subscription price, and then I

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Speaker 3: charge people to talk to me, so that's another avenue.

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Speaker 3: And then I will make videos either of myself or

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Speaker 3: with co stars, and then I sell that, so that's

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Speaker 3: three different streams of income. I'll also have campaigns where

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Speaker 3: I want to buy this toy or this set of

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Speaker 3: lingerie can you contribute to it? And that campaign is

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Speaker 3: a fifth stream or within the same platform. I like

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Speaker 3: to think of it as so Only Fans is like

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Speaker 3: the umbrella, and then there's a lot of different streams

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Speaker 3: that sort of come under that umbrella.

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Speaker 2: Yeah, because I think a lot of people extrapolated out

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Speaker 2: and go, all right, well, if she's earn four hundred grand,

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Speaker 2: that must mean she has you know, if you charged

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Speaker 2: a dollar per subscriber, four hundred thousand subscribers. But that's

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Speaker 2: not exactly how it works, is it.

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Speaker 3: That's right, So on my page, it's like a girlfriend experience.

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Speaker 3: So I'm very close with my subscribers. I've actually got

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Speaker 3: quite a low number of subscribers, but the people that

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Speaker 3: I have on my page spend a significant amount compared

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Speaker 3: to a lot of other girls that will have one

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Speaker 3: hundred thousand, but they're only spending a couple of dollars

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Speaker 3: if that makes sense.

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Speaker 2: No, it makes absolute sense. I'm so pervy on this

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Speaker 2: because I'm like, how, where, why? What does that mean?

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Speaker 2: What does that looks? So thank you for sharing. I

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Speaker 2: want to know, though, what is your big money goal?

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Speaker 2: What are you currently working towards?

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Speaker 3: So I'm actually really excited that my big money goal

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Speaker 3: since I was nineteen was to buy a house and

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Speaker 3: to do it all on my own, have it just

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Speaker 3: in my name, and that, I guess became even more

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Speaker 3: important to me when I became a single mum, and

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Speaker 3: that's why I came into this industry. I was like,

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Speaker 3: I'm going to hustle so high and to buy a

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Speaker 3: house like that would be amazing if I could do

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Speaker 3: that one day. And I actually did that in December

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Speaker 3: of last year. And now I'm like, Okay, what's next.

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Speaker 3: I thought that that would be the be all and

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Speaker 3: end all, but I'm really lucky that now I've just

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Speaker 3: bought an investment property. Who and I have a retirement

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Speaker 3: strategy where I'll be buying one property minimum, one property

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Speaker 3: a year for the next eight years, and I'll be

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Speaker 3: able to retire.

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Speaker 2: At forty Oh my gosh. And all of these happened

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Speaker 2: straight after you were like, you know what, I've got

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Speaker 2: sixty bucks in my bank account. I have no idea

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Speaker 2: what to do. I saw a friend doing this. Let's

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Speaker 2: give it a hot crack.

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Speaker 3: Yeah. I have no experience in the industry. I'm just

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Speaker 3: a mom from the suburbs. I do not look like

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Speaker 3: a fallen star. I'd come from a banking background. I

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Speaker 3: just looked at my kids. When my parents divorced. That

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Speaker 3: was sort of the beginning of a long road of

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Speaker 3: instability for me and my siblings. I just looked at

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Speaker 3: these two beautiful little kids and I was like, I'm

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Speaker 3: not going to let them down for anyone or for anything.

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Speaker 3: I don't care what society says. I'm doing this for

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Speaker 3: my boys. And it's so cool to be able to

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Speaker 3: have done that.

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Speaker 2: That is actually really cool. I am so proud of you,

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Speaker 2: like getting it and doing it like h and you

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Speaker 2: just look so happy about what you're able to provide

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Speaker 2: your family with, Like it's just so cool. All right.

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Speaker 2: I want to know we know about the investment property.

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Speaker 2: Do you have any other investments.

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Speaker 3: I put money away into Super. I've played around with

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Speaker 3: shares and crypto a little bit. However, it doesn't really

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Speaker 3: fit into my risk appetite because I am so health

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Speaker 3: bent when having everything safe and secure. I think it's

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Speaker 3: a really great option, but not for me, so most

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Speaker 3: of my investments are around SUPER, which I know is

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Speaker 3: shares and property.

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Speaker 2: But it does make a lot of sense if you're

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Speaker 2: saying I want to retire by forty to prioritize investments

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Speaker 2: outside of superannuation, because if you retire at forty, you

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Speaker 2: can't actually access superannuation until retirement, which in Australia is

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Speaker 2: sixty five, So that doesn't really work with the strategy

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Speaker 2: you're implementing.

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Speaker 3: Does it exactly? Yeah?

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Speaker 2: All right. Next question, I want to know do you

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Speaker 2: have any debts? If so, how much are they?

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Speaker 3: I have my mortgage at the moment, I owe it's

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Speaker 3: two hundred and twenty thousand.

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Speaker 2: Oh, that's not too bad. What did you purchase your

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Speaker 2: house for?

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Speaker 3: I purchased it for two hundred and seventy thousand. I

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Speaker 3: was really really lucky to get in a great point

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Speaker 3: in time. And now I've got yeah, oh about two

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Speaker 3: hundred and twenty and it's worth about three hundred and twenty,

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Speaker 3: so it's gone up significantly. What's that fifty thousand in

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Speaker 3: dis six months?

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Speaker 2: That is very good turnaround? So you're making money basically

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Speaker 2: everywhere at the moment.

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Speaker 3: How good trying to Yeah, I just want to make

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Speaker 3: Hay well.

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Speaker 2: Sunshine's important. Next question, do you use shop back? Yes,

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Speaker 2: I've got the chrome the chrome extension. Yes, that's how

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Speaker 2: I do it. Otherwise I miss out.

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Speaker 3: I'm so busy. I want to use something if it's

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Speaker 3: not convenient to me, and having the chrome extension is

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Speaker 3: so convenient, and I don't think a lot of people

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Speaker 3: realize how shot back is. It's things that you usually buy.

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Speaker 2: Anyway, exactly what was the last thing you bought?

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Speaker 3: Gob Stoppers?

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Speaker 2: Oh that is not what I was expecting. Honestly, after

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Speaker 2: you said things I usually buy, I thought you were

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Speaker 2: going to say groceries. You're like, yep, gobstoppers. What.

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Speaker 3: I couldn't find them in the shop. My son has

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Speaker 3: been hounding me for them. He just wants Gobstoppers. And

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Speaker 3: I was like, I'll just see if I can find

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Speaker 3: them and then I don't have to go around the shop.

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Speaker 3: So I just ordered them online.

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Speaker 2: So money when all right? Next question, I want to

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Speaker 2: know what is your best money habit.

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Speaker 3: My best money habit is when I have a goal,

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Speaker 3: I get obsessed with it. So when I bought this house,

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Speaker 3: I didn't have a deposit. I just put an offer

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Speaker 3: on a house and called my brake. I was like,

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Speaker 3: I've just bought a house. He's like, why why did

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Speaker 3: you do that? Where are you getting the Was it from?

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Speaker 3: How much I need? And I'll do it? And I

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Speaker 3: was really lucky. I saved forty two thousand in it

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Speaker 3: was about six to eight weeks.

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Speaker 2: Oh my gosh.

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Speaker 3: And yeah, because I knew i'd do it. I knew

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Speaker 3: if I had a goal, I would be able to

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Speaker 3: hit it.

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Speaker 2: Yeah.

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Speaker 3: And with my investment property, I was supposed to be

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Speaker 3: using the equity for my property to buy this one.

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Speaker 2: Yeah.

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Speaker 3: And my broker said throughout the bank's actually not going

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Speaker 3: to let you do that. You need to come up

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Speaker 3: with a seventy thousand dollars deposit my settlement which is

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Speaker 3: in four weeks. And he was like, I can get

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Speaker 3: you out of the contract.

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Speaker 2: And I was like, no, no, no, it's okay, Oh, you

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Speaker 2: can make it.

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Speaker 3: I'll find seventy thousand and four weeks. And my pot

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Speaker 3: broker he's like, what are you doing? But when I

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Speaker 3: have a goal, I just get obsessed with it and

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Speaker 3: I can't handle the thought of not reaching my goal.

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Speaker 3: I know that that works for me, So that's kind

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Speaker 3: of how I structure things, which probably isn't great financial advice,

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Speaker 3: but I know that's what works for me.

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Speaker 2: No, and that's what we want to hear. I don't

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Speaker 2: want to hear what is quote great financial advice. Actually

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Speaker 2: just want to hear what works for you guys. And

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Speaker 2: it's always different, like when we do these money diaries,

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Speaker 2: asking people what their best money habit is is always

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Speaker 2: so diverse, and I end up one with heaps of

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Speaker 2: tips and tricks. But two, oh my gosh, your bear's

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Speaker 2: money habit would never be mine because my anxiety could

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Speaker 2: not like I could not do that, because I would

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Speaker 2: just go all right, there's no way, there's no weight,

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Speaker 2: run away, run away. Okay. On the flip side, what's

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Speaker 2: your worst money habit?

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Speaker 3: So on the flip side, if I don't have a goal,

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Speaker 3: I'm not very good at saving money, Like I could

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Speaker 3: have been saving money this whole time to go towards

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Speaker 3: my deposit, and I haven't. I don't spend a lot.

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Speaker 3: I don't have designer items or anything like that. But

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Speaker 3: I'm really big on experiences, so I'll say to the kids.

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Speaker 3: I'll be like, let's go pack a bag. We'll go,

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Speaker 3: say at a hotel for a weekend, or go down

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Speaker 3: south or this income that I can sort of dispense

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Speaker 3: because I don't have a goal, which is not like

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Speaker 3: I should be focused all the time. So I'm aware

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Speaker 3: of it, I'm working on it. But that's not a

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Speaker 3: very good money habit of mine.

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Speaker 2: Hey, that's all right, I want to know next question

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Speaker 2: last before we go to a quick break. Is how

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Speaker 2: would you grade your money habits if we forced you

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Speaker 2: to give yourself a grade?

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Speaker 3: I think a B to C. I'm super proud of

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Speaker 3: what I've achieved, but I could definitely be better with

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Speaker 3: more focus air pic.

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Speaker 2: All right, let's go to a quick break, and then

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Speaker 2: I want to dive into the nitty gritty. Don't go anywhere.

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Speaker 2: All right, money diarist, we are back, and I have

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Speaker 2: so many questions, but we're going to start the questions.

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Speaker 2: Before you were in the sex industry, what were you doing?

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Speaker 2: So you were a mum, you were married, What were

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Speaker 2: you doing for work? How did all of that work?

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Speaker 3: Like?

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Speaker 2: How did you generat income?

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Speaker 3: So I worked as a corporate banker. I started working

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Speaker 3: banking at seventeen, and I I was going to do

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Speaker 3: it for a couple of years and then go traveling,

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Speaker 3: but I ended up staying that and it was good.

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Speaker 3: I always had enough money, but I never had any

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Speaker 3: extra money, and it became a little bit more difficult

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Speaker 3: once I got married. So I got married at twenty two,

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Speaker 3: way too young now that I think back on it.

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Speaker 3: We just had very different attitudes to money, which is

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Speaker 3: not my fault, and it's not his fault, it was

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Speaker 3: just different. And then once we separated, it was just

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Speaker 3: really cool to have all the responsibility on me because

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Speaker 3: then I could make all the decisions and I made

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Speaker 3: a lot more responsible decisions because I had nobody to

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Speaker 3: fall back on. No one was coming to save me.

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Speaker 3: If I didn't make things work for the kids, then

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Speaker 3: they weren't going to have a roof over their heads.

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Speaker 3: So that did sort of force me into better money habits.

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Speaker 4: So how much were you actually earning as a bank

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Speaker 4: what were you going in corporate banking?

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Speaker 3: I was on just over one hundred thousand a year.

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Speaker 3: Good cash, it was, but I don't know where it

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Speaker 3: all went. Like I never seemed to be able to

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Speaker 3: go out for lunch or dinner or anything like that.

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Speaker 3: And I think it was because I had extra people

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Speaker 3: to pay for and take care of, whereas once I separated,

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Speaker 3: it was just me and the two kids. I didn't

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Speaker 3: have to worry about. Oh, Like I thought I had

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Speaker 3: three hundred in the account and now I was only thirty. That, yeah,

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Speaker 3: what I had total responsibility over I seemed to make

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Speaker 3: it stretch further.

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Speaker 2: Yeah, No, that makes a lot of sense.

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Speaker 4: So it sounds like maybe you were not super on

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Speaker 4: top of your cash flow at the time. How did

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Speaker 4: you find going from you know, one hundred thousand dollars,

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Speaker 4: which is still a very good income, but how did

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Speaker 4: you find going from that to earning you know, in

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Speaker 4: the multiples of hundreds? You've said, you know, throughout your

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Speaker 4: questions earlier, you were talking about your risk appetite and

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Speaker 4: your retirement strategy. Have you found yourself leaning on professionals

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Speaker 4: to give you advice or did you learn yourself along

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Speaker 4: the way.

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Speaker 3: So I'm really lucky that from my banking experience I

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Speaker 3: know a little bit. However, I do enlist the help

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Speaker 3: of professionals. So I have an investment strategist, I have

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Speaker 3: a book keeper, and I have an accountant. Because even

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Speaker 3: though I think I know a lot, I also didn't

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Speaker 3: go to university to study any of this, and they did.

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Speaker 3: So I'm happy to hand the reins over to them.

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Speaker 3: They do the things that they're the experts in, and

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Speaker 3: I'll do the things that I'm the expert in, which

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Speaker 3: is running my business.

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Speaker 2: Yeah.

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Speaker 4: And was they're a learning curve for you jumping from

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Speaker 4: the lower to the higher income.

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Speaker 3: Yes, So the first thing I learned was just how useless,

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Speaker 3: I am. I was. I can do my own bookkeeping

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Speaker 3: and my own tact return. No I cannot. I just

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Speaker 3: I do know what I'm doing with numbers. But when

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Speaker 3: I had to look at company structures and things like that,

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Speaker 3: it just became a smart iday to hand over to

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Speaker 3: someone who knew what they were doing inside and out,

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Speaker 3: not just me trying to do the best I could.

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Speaker 2: And that makes sense, And it's funny because I'm obviously

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Speaker 2: really into finance, love it, but I don't do any

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Speaker 2: of my own bookkeeping. And I don't because I want

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Speaker 2: to outsource it to a professional who has the time,

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Speaker 2: energy and effort to stay up to date on tax

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Speaker 2: law and superannuation and what's going on and making sure

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Speaker 2: that my employees are paid properly. And to be honest,

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Speaker 2: after doing a little bit of a cost benefit analysis,

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Speaker 2: I'm more valuable, you know, producing content and being in

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Speaker 2: es on the money and doing the work than I

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Speaker 2: am if I'm doing my bookkeeping. And to be honest,

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Speaker 2: it probably takes me true of all the amount of

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Speaker 2: time it takes my bookkeeper because she knows it like

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Speaker 2: the back of her hand.

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Speaker 3: Yeah, you do what you do best, and they do

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Speaker 3: what they do best. Yeah, exactly as soon as I

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Speaker 3: could afford it.

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Speaker 2: I feel like it's an interesting concept though, because so

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Speaker 2: many people, even once they do start generating money, they

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Speaker 2: just throw an outsource because they're like, oh, it's a

351
00:16:52,840 --> 00:16:54,600
Speaker 2: waste of money. I can do it myself. But it's

352
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Speaker 2: such a mindset shift. I want to know a bit

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Speaker 2: more about OnlyFans.

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Speaker 3: Right.

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Speaker 2: Obviously it's in an industry that is heavily clouded by

356
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Speaker 2: a lot of judgment, which is obviously not necessary. But

357
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Speaker 2: making that decision as a young mum, how did you go?

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Speaker 2: All Right, I'm going to give this a crack, because

359
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Speaker 2: I feel like it's a massive jump to go from

360
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Speaker 2: corporate banking into the sex industry and go, you know what,

361
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Speaker 2: I'll just give it a hot crack.

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Speaker 3: Yeah. I didn't intend to do it long term. I

363
00:17:25,760 --> 00:17:27,080
Speaker 3: thought I was just going to do it for a

364
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Speaker 3: month or so. I was going to be anonymous, clear

365
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Speaker 3: some bills, and then move on with my life. However,

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Speaker 3: once I guess that money started rolling in and I

367
00:17:37,560 --> 00:17:41,840
Speaker 3: was also doxed, so I was outed. Very early on

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Speaker 3: in my adult career. I had somebody contact my ex husband,

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Speaker 3: my parents, my family. I had a girl subscribe to

370
00:17:50,600 --> 00:17:53,399
Speaker 3: my only fans, screenshop everything, and send it around to

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Speaker 3: all the school dads.

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Speaker 2: Oh that's horrendous.

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Speaker 1: Yeah.

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Speaker 3: I had pet police, our protection, everything. And it was

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Speaker 3: a really hard time because I just felt like I

376
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Speaker 3: was a like a fork in the road and I

377
00:18:06,280 --> 00:18:08,280
Speaker 3: could either be like, hey, guys, I'm sorry, I should

378
00:18:08,359 --> 00:18:10,199
Speaker 3: never have done this, or I could be like, you

379
00:18:10,240 --> 00:18:13,000
Speaker 3: know what, I'm going to do this and I'm going

380
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Speaker 3: to do it for my kids. And I remember someone

381
00:18:14,960 --> 00:18:18,240
Speaker 3: saying like, you are not attractive, you are fat, you

382
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Speaker 3: don't know what you're doing. Do you honestly think you're

383
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Speaker 3: going to make any money? And I'm just like, you

384
00:18:23,240 --> 00:18:25,159
Speaker 3: know what, Like I just look at my kids. You

385
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Speaker 3: watch me like, I'll make as much money as I

386
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Speaker 3: want to because I am so motivated by those two

387
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Speaker 3: little people in my life. If I don't make bank

388
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Speaker 3: for them, nobody else was going to. So I always

389
00:18:37,080 --> 00:18:40,120
Speaker 3: say that no one hustles like a single parent, and

390
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Speaker 3: it really propelled me. Having all that stigma and judgment,

391
00:18:47,080 --> 00:18:49,919
Speaker 3: it motivated me even more to make sure that I

392
00:18:49,960 --> 00:18:52,120
Speaker 3: was like, you know what, I've already got this reputation. Now,

393
00:18:52,200 --> 00:18:55,359
Speaker 3: I've already got this stigma attached to me. If these

394
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Speaker 3: people are going to run around and try to shame

395
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Speaker 3: me and call me a whore and things like that,

396
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Speaker 3: then I'm going to be the best for I've ever seen.

397
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Speaker 2: Ah, that's a good way to own it. It just

398
00:19:04,560 --> 00:19:07,560
Speaker 2: it blows my mind that people can be so unkind.

399
00:19:07,640 --> 00:19:10,080
Speaker 2: Instead of just like letting you do your thing over

400
00:19:10,280 --> 00:19:13,359
Speaker 2: to the left and just going right, they choose to

401
00:19:13,480 --> 00:19:16,680
Speaker 2: actively bring you down. But in reality, that probably gave

402
00:19:16,680 --> 00:19:18,840
Speaker 2: you a whole hit more more publicity, and that's not

403
00:19:18,880 --> 00:19:20,320
Speaker 2: a bad thing when we're trying to make bank.

404
00:19:20,440 --> 00:19:25,040
Speaker 3: Is that exactly? Yeah? I don't understand. I mean I

405
00:19:25,040 --> 00:19:26,240
Speaker 3: I personally I am not going to go out and

406
00:19:26,280 --> 00:19:29,080
Speaker 3: become a mechanic. But I don't have anything against someone

407
00:19:29,080 --> 00:19:30,959
Speaker 3: who does go and become a mechanic. I'm not going

408
00:19:31,040 --> 00:19:32,679
Speaker 3: to be like, you shouldn't do that, you're dirty and

409
00:19:32,680 --> 00:19:35,159
Speaker 3: greasy or I don't know, something like who cares? It

410
00:19:35,320 --> 00:19:38,800
Speaker 3: makes them happy. And I don't understand why it's not

411
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Speaker 3: the same for people who are in the sex industry.

412
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Speaker 3: People just seem to think that they get to have

413
00:19:44,040 --> 00:19:47,040
Speaker 3: an opinion on it when they don't. Really, it's just

414
00:19:47,760 --> 00:19:49,040
Speaker 3: like every other job.

415
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Speaker 2: Absolutely, and I just I believe so strongly that it's

416
00:19:52,440 --> 00:19:54,920
Speaker 2: just your choice. Like, if that's the job you've chosen, great,

417
00:19:55,000 --> 00:19:56,440
Speaker 2: Like you don't have to do it. I don't want

418
00:19:56,440 --> 00:19:57,920
Speaker 2: to be a brain surgeon, so I'm not going to

419
00:19:57,920 --> 00:19:58,480
Speaker 2: become one.

420
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Speaker 3: Yeah.

421
00:19:59,080 --> 00:20:01,560
Speaker 2: I think it's really interest and I think that you

422
00:20:01,560 --> 00:20:05,200
Speaker 2: know this idea that you have to conform to other

423
00:20:05,320 --> 00:20:09,320
Speaker 2: people's ideals. It's one wild, but two you just look

424
00:20:09,359 --> 00:20:11,520
Speaker 2: at it and you just go all right. But that

425
00:20:11,560 --> 00:20:13,720
Speaker 2: doesn't mean that I'm a bad person. I think there's

426
00:20:13,760 --> 00:20:16,359
Speaker 2: this stereotype that if you're in the sex industry, it

427
00:20:16,440 --> 00:20:20,320
Speaker 2: must be out of desperation, it must be that you're

428
00:20:20,520 --> 00:20:22,880
Speaker 2: you know, on drugs or not doing the right thing,

429
00:20:23,160 --> 00:20:25,919
Speaker 2: or a subpar human. But like, you're just a mum

430
00:20:26,280 --> 00:20:29,159
Speaker 2: being mum and you want to put food on the

431
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Speaker 2: table and give your kids the best life you absolutely can,

432
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Speaker 2: and you you've found a way to do that, and

433
00:20:34,440 --> 00:20:38,000
Speaker 2: I think that that should be celebrated, not brought down.

434
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Speaker 3: Thank you. It's something I get really passionate about, and

435
00:20:41,280 --> 00:20:44,600
Speaker 3: I do talk quite openly about the fact that I

436
00:20:44,680 --> 00:20:48,399
Speaker 3: don't look like your typical porn style like I've got.

437
00:20:48,480 --> 00:20:50,800
Speaker 2: I mean, you're really pretty, you're really really pretty so

438
00:20:50,960 --> 00:20:52,720
Speaker 2: like I mean, I can see how you made four

439
00:20:52,800 --> 00:20:57,280
Speaker 2: hundred grand, like that makes sense story about but I've

440
00:20:57,320 --> 00:20:57,640
Speaker 2: got like.

441
00:20:57,800 --> 00:21:00,920
Speaker 3: Sell your like so much like what stretched And I've

442
00:21:00,920 --> 00:21:04,520
Speaker 3: got that wobbly tummy because I've had pregnancies. My body

443
00:21:04,520 --> 00:21:08,040
Speaker 3: didn't bounce back, which is fine. Before I started this job,

444
00:21:08,080 --> 00:21:10,200
Speaker 3: I've never even been to a strip club. This isn't

445
00:21:10,240 --> 00:21:14,880
Speaker 3: something that I was supposed to do, but it's something

446
00:21:14,960 --> 00:21:18,600
Speaker 3: that I fell into. And now I'm like, while was

447
00:21:18,600 --> 00:21:20,320
Speaker 3: I working at the bank, I should have imagined how

448
00:21:20,359 --> 00:21:22,720
Speaker 3: far ahead I've been fed it this years ago. The

449
00:21:22,800 --> 00:21:25,720
Speaker 3: stigma that's attached to it is worth the happiness I

450
00:21:25,760 --> 00:21:28,840
Speaker 3: have now, and it's worth what I'm able to provide

451
00:21:28,840 --> 00:21:31,560
Speaker 3: for my kids. Like that's everything to me.

452
00:21:31,920 --> 00:21:35,080
Speaker 2: Yeah, that is honestly. I love that you're just doing

453
00:21:35,119 --> 00:21:37,520
Speaker 2: something that makes you happy and puts you in the

454
00:21:37,560 --> 00:21:41,240
Speaker 2: best possible position, and that's nobody's place to judge. I

455
00:21:41,280 --> 00:21:43,359
Speaker 2: want to know, though, what do your kids think you

456
00:21:43,440 --> 00:21:44,040
Speaker 2: do for work?

457
00:21:44,359 --> 00:21:46,040
Speaker 3: They think I just work on the computer.

458
00:21:46,359 --> 00:21:49,280
Speaker 2: Yeah, good, nice.

459
00:21:48,560 --> 00:21:50,760
Speaker 3: When they get old enough. It's not something I'm ashamed about,

460
00:21:50,800 --> 00:21:53,320
Speaker 3: and I'm really looking forward to having that conversation with

461
00:21:53,359 --> 00:21:55,879
Speaker 3: them when they're a bit older, but at the moment

462
00:21:55,920 --> 00:21:57,480
Speaker 3: they're not at an age were they to know what

463
00:21:57,600 --> 00:22:02,320
Speaker 3: sex is or porn. Yeah, anything like that. I'm really

464
00:22:02,359 --> 00:22:06,800
Speaker 3: careful to tell them, like they see that I'm working hard,

465
00:22:06,840 --> 00:22:08,640
Speaker 3: and sometimes in the morning I'm like, I'm just really

466
00:22:08,680 --> 00:22:11,760
Speaker 3: tired today. I set up to two am working, but

467
00:22:12,520 --> 00:22:14,280
Speaker 3: I just paid your school fees in full for the

468
00:22:14,320 --> 00:22:16,480
Speaker 3: whole year. Like how lucky am I that we get

469
00:22:16,520 --> 00:22:18,600
Speaker 3: to do that and I can work from home and

470
00:22:18,680 --> 00:22:20,280
Speaker 3: do that. I want them to be able to see

471
00:22:20,280 --> 00:22:22,560
Speaker 3: me working, but not see me working.

472
00:22:23,040 --> 00:22:24,600
Speaker 2: No, absolutely, it makes sense.

473
00:22:24,640 --> 00:22:27,000
Speaker 3: I mean, not that really fancy, but the fact that

474
00:22:27,040 --> 00:22:29,240
Speaker 3: I can pay school fees in full is huge to me.

475
00:22:30,320 --> 00:22:33,359
Speaker 3: And I want them to show, especially having boys, I

476
00:22:33,400 --> 00:22:35,960
Speaker 3: want them to see that Mum was a single mum,

477
00:22:36,040 --> 00:22:39,680
Speaker 3: Mum worked really hard, and mum put us through private

478
00:22:39,680 --> 00:22:40,880
Speaker 3: schools by herself.

479
00:22:41,160 --> 00:22:44,239
Speaker 2: Yeah, and that is honestly something to be so proud of.

480
00:22:44,359 --> 00:22:48,399
Speaker 2: Like how crazy Mum's putting both kids through private school

481
00:22:48,440 --> 00:22:51,200
Speaker 2: all on our own. Yeah. I love that. It makes

482
00:22:51,240 --> 00:22:54,480
Speaker 2: me so wildly happy to think that, Yeah, people are

483
00:22:54,520 --> 00:22:56,760
Speaker 2: just doing their own thing and putting themselves in the

484
00:22:56,760 --> 00:22:57,360
Speaker 2: best position.

485
00:22:58,440 --> 00:22:59,159
Speaker 3: Yeah, thank you.

486
00:23:00,000 --> 00:23:04,160
Speaker 4: Looking of the kids. How have you gone with the divorce?

487
00:23:04,280 --> 00:23:08,080
Speaker 4: Does your ex partner contribute at all financially or are

488
00:23:08,119 --> 00:23:10,160
Speaker 4: you completely doing this by yourself.

489
00:23:10,680 --> 00:23:14,919
Speaker 3: He does contribute financially now. That's certainly started in the

490
00:23:14,960 --> 00:23:20,119
Speaker 3: last few months. We owned a house, and when I left,

491
00:23:20,520 --> 00:23:22,960
Speaker 3: I tried to have this conversation with him about how

492
00:23:22,960 --> 00:23:26,520
Speaker 3: we're going to settle things financially, and he discerned about

493
00:23:26,560 --> 00:23:29,080
Speaker 3: and he said, you're not seeing a scent. Oh my god,

494
00:23:29,680 --> 00:23:31,200
Speaker 3: if you want to go down this road, i'll see

495
00:23:31,200 --> 00:23:33,639
Speaker 3: you in court. And I just thought. I was like,

496
00:23:33,680 --> 00:23:35,280
Speaker 3: I've got too much on my plate. I can't go

497
00:23:35,359 --> 00:23:37,280
Speaker 3: to court, and I just let you keep it. You

498
00:23:37,400 --> 00:23:41,680
Speaker 3: keep everything. I just want the kids. So he kept

499
00:23:41,720 --> 00:23:44,760
Speaker 3: I didn't see anything from the house. It's all in

500
00:23:44,840 --> 00:23:48,760
Speaker 3: his name. He kept all his super everything. So I

501
00:23:48,800 --> 00:23:51,159
Speaker 3: just did it all on my own. But it was

502
00:23:51,200 --> 00:23:53,840
Speaker 3: really important for me to be able to turn around

503
00:23:53,880 --> 00:23:55,639
Speaker 3: and be like, you know what, keep it, I'll do

504
00:23:55,680 --> 00:23:59,159
Speaker 3: it by myself. Oh, you just see the kids now.

505
00:23:59,240 --> 00:24:02,160
Speaker 3: And he does tribute a little bit each month, which

506
00:24:02,200 --> 00:24:05,760
Speaker 3: is really cool. But I'm kind of glad that he

507
00:24:05,840 --> 00:24:07,560
Speaker 3: did that after I bought the house, because it was

508
00:24:07,600 --> 00:24:09,440
Speaker 3: just so important for me. To be able to say

509
00:24:09,800 --> 00:24:12,040
Speaker 3: that I did buy this house all on my own

510
00:24:12,160 --> 00:24:13,359
Speaker 3: without a sense of child's plot.

511
00:24:13,520 --> 00:24:17,080
Speaker 4: That's incredible. You said earlier that when your parents divorced

512
00:24:17,160 --> 00:24:19,159
Speaker 4: when you were young, that it was the start of

513
00:24:19,200 --> 00:24:22,480
Speaker 4: a lot of instability for you going through the same

514
00:24:22,480 --> 00:24:25,800
Speaker 4: experience yourself. What have you changed for your kids so

515
00:24:25,840 --> 00:24:27,320
Speaker 4: that they don't feel the same way.

516
00:24:28,800 --> 00:24:32,520
Speaker 3: So when my parents separated I was ten, I ended

517
00:24:32,600 --> 00:24:35,160
Speaker 3: up in a boarding school in the middle of nowhere

518
00:24:35,200 --> 00:24:38,160
Speaker 3: at FDH, yeah, which I hated. And then I moved

519
00:24:38,160 --> 00:24:40,320
Speaker 3: out on my own at sixteen. So I've been on

520
00:24:40,359 --> 00:24:44,080
Speaker 3: my own from a really young age and I just

521
00:24:44,080 --> 00:24:46,720
Speaker 3: sort of like bounced around. And my son actually asked

522
00:24:46,720 --> 00:24:49,359
Speaker 3: me yesterday, He's like, how many houses have you lived in, mum?

523
00:24:50,040 --> 00:24:52,000
Speaker 3: And I was like, I think about thirty. It was

524
00:24:52,040 --> 00:24:56,480
Speaker 3: a lot. Well, yeah, I don't have somewhere where I

525
00:24:56,520 --> 00:24:59,920
Speaker 3: can like go home and see my old bedroom, or

526
00:25:00,520 --> 00:25:03,680
Speaker 3: I don't have things from my childhood, and I didn't

527
00:25:03,720 --> 00:25:07,000
Speaker 3: want that for my boys. And when we moved in here,

528
00:25:08,080 --> 00:25:09,359
Speaker 3: I sort of said to them, I was like, you know,

529
00:25:09,359 --> 00:25:12,160
Speaker 3: we can paint your room how you want, Like, see

530
00:25:12,200 --> 00:25:14,680
Speaker 3: this brick, this is our brick, and maybe we weren't

531
00:25:14,680 --> 00:25:18,360
Speaker 3: living for about and if we want to, and we've

532
00:25:18,400 --> 00:25:19,960
Speaker 3: got this big dream that we want to buy a farm.

533
00:25:19,960 --> 00:25:22,160
Speaker 3: We want to have like a not big maybe five

534
00:25:22,240 --> 00:25:25,680
Speaker 3: or ten acres, And they know that if we move again,

535
00:25:25,840 --> 00:25:28,760
Speaker 3: it'll only be once and will only be if we

536
00:25:28,800 --> 00:25:31,320
Speaker 3: have a little farm. Maybe it's not important to the boys,

537
00:25:31,320 --> 00:25:34,440
Speaker 3: but it's important to me that they've got that stability.

538
00:25:34,440 --> 00:25:36,400
Speaker 3: They either come home to this house or they'll come

539
00:25:36,400 --> 00:25:38,200
Speaker 3: home to one other house and then that's it. Like

540
00:25:38,240 --> 00:25:42,960
Speaker 3: they don't I want to move them again. And I

541
00:25:42,960 --> 00:25:46,600
Speaker 3: feel like when I left their dad, it's sort of

542
00:25:47,600 --> 00:25:50,960
Speaker 3: put a lot of financial responsibility onto me. But I

543
00:25:51,000 --> 00:25:53,480
Speaker 3: haven't learned all myself because my parents haven't really taught

544
00:25:53,480 --> 00:25:56,720
Speaker 3: me anything about money. Growing up to the lessons I've learned,

545
00:25:56,760 --> 00:25:59,600
Speaker 3: I try to pass on to the boys as well.

546
00:26:00,680 --> 00:26:03,159
Speaker 3: With this new house, my elder said to me, He's like,

547
00:26:03,200 --> 00:26:05,879
Speaker 3: I've got one hundred dollars in my Spriggy account this

548
00:26:05,960 --> 00:26:08,960
Speaker 3: app and he's like, if I give you one hundred

549
00:26:09,000 --> 00:26:11,560
Speaker 3: dollars for the new house, do I get some bent

550
00:26:11,680 --> 00:26:16,360
Speaker 3: as well? So once it settles, he's going to chance

551
00:26:16,400 --> 00:26:18,879
Speaker 3: for me that one hundred dollars and then once the

552
00:26:19,000 --> 00:26:21,520
Speaker 3: new house is built and the tenants in there, he's

553
00:26:21,560 --> 00:26:24,200
Speaker 3: going to be getting like a portion of rent every

554
00:26:24,200 --> 00:26:26,760
Speaker 3: single week back into his Spriggy account.

555
00:26:29,560 --> 00:26:31,760
Speaker 2: House. Look what you're taught him.

556
00:26:32,160 --> 00:26:35,560
Speaker 3: So cool to see. At school, they just started doing

557
00:26:35,600 --> 00:26:38,000
Speaker 3: like a banking system, and he said to me the

558
00:26:38,040 --> 00:26:40,159
Speaker 3: other day, He's like, I think the teacher is going

559
00:26:40,240 --> 00:26:41,840
Speaker 3: to put me in charge and I'll be the banker

560
00:26:41,880 --> 00:26:45,120
Speaker 3: of the classroom. Oh my god, why did she He's

561
00:26:45,119 --> 00:26:46,760
Speaker 3: going to chase you for that. And he's like, well,

562
00:26:47,640 --> 00:26:50,480
Speaker 3: when the teacher put the banking system in place, I

563
00:26:50,560 --> 00:26:52,520
Speaker 3: was the only one who asked about what the interest

564
00:26:52,560 --> 00:26:53,400
Speaker 3: rate was going to be.

565
00:26:55,920 --> 00:26:56,960
Speaker 4: That's so good.

566
00:26:57,160 --> 00:26:59,240
Speaker 3: It's so cool because all these things I only learned

567
00:26:59,680 --> 00:27:03,000
Speaker 3: in my from the age of twenty nine. And the

568
00:27:03,080 --> 00:27:05,000
Speaker 3: kids are growing up with this knowledge. So I hope

569
00:27:05,000 --> 00:27:07,600
Speaker 3: that by the time they're my aid, they'll have a

570
00:27:07,640 --> 00:27:10,360
Speaker 3: lot more the more I do, because they've learned it

571
00:27:10,400 --> 00:27:11,720
Speaker 3: from childhood.

572
00:27:12,000 --> 00:27:14,720
Speaker 2: Oh absolutely they will. And the reason they're doing that

573
00:27:14,880 --> 00:27:17,199
Speaker 2: is because of you. And you're teaching them that, Like

574
00:27:17,280 --> 00:27:21,119
Speaker 2: that is so wild. I heard you just mentioned Spriggy.

575
00:27:21,720 --> 00:27:24,040
Speaker 2: Is that how you're teaching your kids about money? Like,

576
00:27:24,200 --> 00:27:27,199
Speaker 2: how have you integrated them into this conversation because I

577
00:27:27,200 --> 00:27:29,280
Speaker 2: feel like this is such a popular question in our

578
00:27:29,320 --> 00:27:32,440
Speaker 2: community of all, you know, now we don't really exist

579
00:27:32,480 --> 00:27:35,320
Speaker 2: in a cash society. How do you teach kids the

580
00:27:35,400 --> 00:27:36,240
Speaker 2: value of money?

581
00:27:36,520 --> 00:27:38,920
Speaker 3: Yeah, so they've got this pretty app on both their

582
00:27:38,920 --> 00:27:41,840
Speaker 3: iPads so they can see what their bank balance is.

583
00:27:42,560 --> 00:27:45,600
Speaker 3: They don't get pocket money. If they want money, they

584
00:27:45,600 --> 00:27:47,800
Speaker 3: have to come to me and say, hey, Mom, I

585
00:27:47,880 --> 00:27:51,840
Speaker 3: want to earn money for Minecraft or Robucks or.

586
00:27:51,880 --> 00:27:53,359
Speaker 2: Whatever they're saving up for.

587
00:27:54,080 --> 00:27:56,760
Speaker 3: Yeah, and my youngest is written, I've got on the

588
00:27:56,800 --> 00:28:01,480
Speaker 3: Fridgid list of jobs. Is that make moms bed three dollars?

589
00:28:02,119 --> 00:28:05,800
Speaker 3: Vacuum floor fifty cents? Like none of the prices.

590
00:28:05,400 --> 00:28:07,000
Speaker 2: Makes sense, but that's all right.

591
00:28:07,680 --> 00:28:09,800
Speaker 3: Yeah, he's written up and he's done it all by himself,

592
00:28:09,840 --> 00:28:12,080
Speaker 3: and he's like is this okay? And I'm like, yeah, great.

593
00:28:12,480 --> 00:28:14,760
Speaker 3: So it's on the fridge and when they do a

594
00:28:14,880 --> 00:28:17,440
Speaker 3: job or I just jump on my phone. I transferred

595
00:28:17,480 --> 00:28:20,239
Speaker 3: across to their Spriaky account and they can see it

596
00:28:20,760 --> 00:28:23,760
Speaker 3: on their iPads. And they both got little Star Wars

597
00:28:23,800 --> 00:28:27,560
Speaker 3: bank cuts. They can go to the shops and spend

598
00:28:27,960 --> 00:28:31,199
Speaker 3: money on. I try to let them make mistakes, so

599
00:28:31,240 --> 00:28:32,840
Speaker 3: my youngest will always just want to go and buy

600
00:28:32,840 --> 00:28:35,720
Speaker 3: lollies and yet like the gob stoppers and things. And

601
00:28:35,760 --> 00:28:38,200
Speaker 3: then his brother always has money. His brother, you know,

602
00:28:38,280 --> 00:28:39,880
Speaker 3: has that one hundred dollars that he's putting into the

603
00:28:39,920 --> 00:28:43,240
Speaker 3: investment property, and my youngers is like, it's not there.

604
00:28:43,320 --> 00:28:46,200
Speaker 3: He always has money. I'm like, yes, because you spend it,

605
00:28:47,320 --> 00:28:49,760
Speaker 3: so it's cool. And they can see the transactions on

606
00:28:49,800 --> 00:28:52,120
Speaker 3: their spooky apps as well, so I can say, look

607
00:28:52,200 --> 00:28:54,280
Speaker 3: at all this money you spent, let's add it up

608
00:28:54,600 --> 00:28:56,320
Speaker 3: and see what you would have had in your account

609
00:28:56,560 --> 00:29:00,800
Speaker 3: if he didn't spend that. So it's about putting the

610
00:29:00,800 --> 00:29:05,040
Speaker 3: responsibility onto them, but helping them make good decisions and

611
00:29:05,080 --> 00:29:08,680
Speaker 3: supporting them when they make bad ones, and just sort

612
00:29:08,680 --> 00:29:11,760
Speaker 3: of working together. I try to have a really open

613
00:29:11,800 --> 00:29:15,240
Speaker 3: conversation with them about money. If they're like, oh, can

614
00:29:15,280 --> 00:29:17,600
Speaker 3: we go I don't know to this place, and I'm like,

615
00:29:18,040 --> 00:29:20,760
Speaker 3: we can go to this place, but if we go

616
00:29:20,840 --> 00:29:22,760
Speaker 3: to this place, then maybe we won't be able to

617
00:29:22,840 --> 00:29:27,080
Speaker 3: do this next week instead. So it's about helping them

618
00:29:27,360 --> 00:29:30,080
Speaker 3: just have exposure to money and realize money is real

619
00:29:30,720 --> 00:29:32,440
Speaker 3: and that we all need to be held accountable.

620
00:29:32,480 --> 00:29:35,600
Speaker 2: That is incredible. I love that so much. You sound

621
00:29:35,640 --> 00:29:37,080
Speaker 2: like you are such a good mum.

622
00:29:37,360 --> 00:29:39,000
Speaker 3: I've got no idea if it's going to work out.

623
00:29:39,320 --> 00:29:42,400
Speaker 2: No, but it's more about the care and the love

624
00:29:42,640 --> 00:29:45,440
Speaker 2: and the reason you do things right, like it's all

625
00:29:45,480 --> 00:29:48,680
Speaker 2: about purpose. It's not necessarily right or wrong. There's actually

626
00:29:48,720 --> 00:29:50,840
Speaker 2: no right or wrong when it comes to money stories

627
00:29:50,840 --> 00:29:53,400
Speaker 2: and how people learn and what they should and shouldn't know.

628
00:29:53,600 --> 00:29:55,800
Speaker 2: I mean, it seems like you've got a pretty straight

629
00:29:55,840 --> 00:29:57,720
Speaker 2: down the line, I reckon, I hope.

630
00:29:57,760 --> 00:30:03,200
Speaker 3: So I just want to to input new generational money

631
00:30:03,280 --> 00:30:09,080
Speaker 3: habits into my kids and then hopefully it'll start something.

632
00:30:09,720 --> 00:30:12,080
Speaker 3: And not that I'm not. I don't really care if

633
00:30:12,120 --> 00:30:13,640
Speaker 3: I'm rich or not. But I just want to be

634
00:30:13,680 --> 00:30:15,800
Speaker 3: happy and the money that I've got can do things

635
00:30:15,800 --> 00:30:18,880
Speaker 3: that make me happy. So it's just instilling those values

636
00:30:18,920 --> 00:30:19,720
Speaker 3: into the gifts.

637
00:30:20,040 --> 00:30:23,360
Speaker 2: I love that. Oh my gosh, what a special money, Darry.

638
00:30:23,440 --> 00:30:25,640
Speaker 2: Thank you so much for sharing with us.

639
00:30:26,080 --> 00:30:26,960
Speaker 3: Thank you for having me.

640
00:30:27,280 --> 00:30:30,480
Speaker 2: No, of course, Well, Jess, unfortunately, I think that is

641
00:30:30,560 --> 00:30:31,880
Speaker 2: all we have time for today.

642
00:30:31,880 --> 00:30:34,560
Speaker 4: So can you wrap the boring but important stuff? Absolutely

643
00:30:34,640 --> 00:30:36,920
Speaker 4: don't forget guys. The advice shared on She's on the

644
00:30:36,920 --> 00:30:39,239
Speaker 4: Money is general in nature. And just not consider your

645
00:30:39,240 --> 00:30:42,880
Speaker 4: individual circumstances. She's on the money exists purely for educational

646
00:30:42,880 --> 00:30:45,120
Speaker 4: purposes and should not be relied upon to make an

647
00:30:45,120 --> 00:30:48,640
Speaker 4: investment or a financial decision. And we promise Victoria divine

648
00:30:48,640 --> 00:30:51,480
Speaker 4: and She's on the money are authorized representatives of Infocused

649
00:30:51,480 --> 00:30:55,800
Speaker 4: Securities Australia Proprietary Limited ABM four seven oh nine seven

650
00:30:55,880 --> 00:30:58,720
Speaker 4: seven nine seven O four nine AFSL two three six

651
00:30:58,880 --> 00:30:59,760
Speaker 4: five two three.

652
00:31:00,000 --> 00:31:03,360
Speaker 2: Always still feels like such a mouthful. To see you

653
00:31:03,440 --> 00:31:04,520
Speaker 2: on Wednesday, guys.

654
00:31:04,600 --> 00:31:08,520
Speaker 4: Bye,