1 00:00:00,360 --> 00:00:02,960 Speaker 1: Just before we get started, we'd like to acknowledge and. 2 00:00:03,000 --> 00:00:06,720 Speaker 2: Pay respect to Australia's Aboriginal and torrest Rate islander peoples. 3 00:00:07,000 --> 00:00:10,280 Speaker 2: They're the traditional custodians of the lands, the waterways and 4 00:00:10,320 --> 00:00:12,240 Speaker 2: the skies all across Australia. 5 00:00:12,600 --> 00:00:15,200 Speaker 1: We thank you for sharing and for caring for the land. 6 00:00:15,040 --> 00:00:17,880 Speaker 2: On which we are able to learn. We pay respects 7 00:00:17,880 --> 00:00:20,560 Speaker 2: to elders past and present, and we share our friendship 8 00:00:20,600 --> 00:00:21,640 Speaker 2: and our kindness. 9 00:00:22,120 --> 00:00:41,400 Speaker 3: She's on the Money, She's on the Money. 10 00:00:45,000 --> 00:00:47,879 Speaker 4: Hello, and welcome to She's on the Money, the podcast 11 00:00:47,880 --> 00:00:51,240 Speaker 4: for millennials who want financial freedom. Welcome back to another 12 00:00:51,240 --> 00:00:53,720 Speaker 4: shot back money Diary Monday, where we chat to one 13 00:00:53,720 --> 00:00:56,880 Speaker 4: of our Gorge community members and learn about them, their story, 14 00:00:57,360 --> 00:00:59,680 Speaker 4: their plans, their dreams, their hopes, just all of the 15 00:00:59,760 --> 00:01:01,120 Speaker 4: jew juicy details. 16 00:01:01,400 --> 00:01:03,360 Speaker 1: Victoria, how are you going? I'm good. 17 00:01:03,600 --> 00:01:06,160 Speaker 2: I'm not as excited about this one as you are, 18 00:01:06,240 --> 00:01:08,320 Speaker 2: purely because I just don't know what I'm looking for yet. 19 00:01:08,400 --> 00:01:10,440 Speaker 4: You don't know what's going on, but it is a goodie. 20 00:01:10,520 --> 00:01:13,440 Speaker 4: Let me give you a little overview, So our diarist Roate. 21 00:01:13,800 --> 00:01:16,319 Speaker 4: I found my old therapy notes from age twelve, and 22 00:01:16,400 --> 00:01:19,600 Speaker 4: a big worry was my family's financials. I was hospitalized 23 00:01:19,600 --> 00:01:21,800 Speaker 4: several times as a child to have open heart surgery, 24 00:01:21,800 --> 00:01:24,399 Speaker 4: and my dad accepted a retrenchment to stay by my 25 00:01:24,520 --> 00:01:27,440 Speaker 4: side in hospital. My parents are now fine financially, but 26 00:01:27,480 --> 00:01:29,120 Speaker 4: I feel like too much was shared with me as 27 00:01:29,160 --> 00:01:31,360 Speaker 4: a kid, and it caused a lot of anxiety about 28 00:01:31,400 --> 00:01:33,520 Speaker 4: what is enough to get by. I want to know 29 00:01:33,560 --> 00:01:36,240 Speaker 4: what financial stability looks like for someone at twenty seven 30 00:01:36,319 --> 00:01:36,720 Speaker 4: years old. 31 00:01:36,840 --> 00:01:39,840 Speaker 1: Oh my god, now I am excited to learn about that. 32 00:01:39,840 --> 00:01:40,560 Speaker 1: That's heavy. 33 00:01:41,200 --> 00:01:44,520 Speaker 2: It's a young person. That's a lot to carry, especially 34 00:01:44,560 --> 00:01:47,560 Speaker 2: because when you're not well, when you're young, you feel 35 00:01:47,560 --> 00:01:50,160 Speaker 2: like a burden already, Like, oh, you feel like a 36 00:01:50,160 --> 00:01:51,920 Speaker 2: burden regardless of your age. 37 00:01:52,080 --> 00:01:54,080 Speaker 4: And just a little content warning as well. We will 38 00:01:54,120 --> 00:01:56,560 Speaker 4: be touching on sexual assault a little bit later. So 39 00:01:56,600 --> 00:01:58,760 Speaker 4: if that's something that is a little challenging for you 40 00:01:58,840 --> 00:02:01,560 Speaker 4: right now, that is so totally fine that this might 41 00:02:01,600 --> 00:02:03,240 Speaker 4: be an episode that you want to give a mess. 42 00:02:03,400 --> 00:02:05,040 Speaker 2: We have a heap of other episodes for you to 43 00:02:05,040 --> 00:02:07,520 Speaker 2: listen to, So jump on over there now, Money Darrist, 44 00:02:07,600 --> 00:02:11,679 Speaker 2: you're hanging out in the wings. Welcome to the show. Hi, welcome, 45 00:02:11,800 --> 00:02:14,200 Speaker 2: I'm excited to have you. Thank you for taking the 46 00:02:14,240 --> 00:02:17,600 Speaker 2: time to hang out with us. But without further ado, 47 00:02:18,160 --> 00:02:21,040 Speaker 2: let's just throw you in the deep end money darist 48 00:02:21,160 --> 00:02:23,560 Speaker 2: tell us a little bit about your money story. 49 00:02:23,680 --> 00:02:25,880 Speaker 5: Yeah, so what I wrote there, I've listened to the 50 00:02:25,919 --> 00:02:28,480 Speaker 5: podcasts for a while and kind of related to the 51 00:02:28,520 --> 00:02:31,360 Speaker 5: whole money story thing. That didn't think it was that 52 00:02:31,960 --> 00:02:34,960 Speaker 5: relevant for me, Like I couldn't think of a big 53 00:02:35,040 --> 00:02:35,840 Speaker 5: pivotal moment. 54 00:02:36,280 --> 00:02:38,559 Speaker 1: Little did you know exactly? 55 00:02:38,880 --> 00:02:40,880 Speaker 5: My mom got me to go because I moved out 56 00:02:40,880 --> 00:02:42,880 Speaker 5: of home last year. My mom got me to go 57 00:02:42,919 --> 00:02:45,200 Speaker 5: back and deal with all my filing and stuff like that. 58 00:02:45,360 --> 00:02:47,680 Speaker 5: And I found the notes from when I was a kid, 59 00:02:48,000 --> 00:02:51,799 Speaker 5: and it talked about kind of my big anxiety about 60 00:02:51,800 --> 00:02:55,240 Speaker 5: my family and their financial situation. And I just kind 61 00:02:55,240 --> 00:02:59,560 Speaker 5: of realized, like, whoa, that still definitely translates to me now. 62 00:02:59,639 --> 00:03:03,120 Speaker 5: And I thought, you know, who would relate to this? 63 00:03:03,200 --> 00:03:05,400 Speaker 5: Who could I tell? And I instantly thought, Oh, like 64 00:03:06,639 --> 00:03:08,560 Speaker 5: she's on the money team know about money stories. 65 00:03:08,680 --> 00:03:10,040 Speaker 1: Oh my gosh, yes we do. 66 00:03:10,160 --> 00:03:13,000 Speaker 5: We do. We want to hear that I relate now. 67 00:03:13,400 --> 00:03:15,000 Speaker 5: So yeah, I sent that in. 68 00:03:15,240 --> 00:03:17,200 Speaker 1: Oh my gosh, that is so special. 69 00:03:17,360 --> 00:03:19,520 Speaker 2: And do you think that that kind of formed the 70 00:03:19,560 --> 00:03:23,120 Speaker 2: way you've been acting around money even subconsciously as an 71 00:03:23,160 --> 00:03:25,720 Speaker 2: adult today, Like, how do you think that that's impacted 72 00:03:25,760 --> 00:03:27,320 Speaker 2: you growing into an adult. 73 00:03:27,040 --> 00:03:30,600 Speaker 5: One hundred percent? Like I value money quite highly. I 74 00:03:30,720 --> 00:03:33,600 Speaker 5: worry about not having enough, so I was very much, 75 00:03:33,840 --> 00:03:36,240 Speaker 5: especially growing up like a saber rather than a spender. 76 00:03:36,760 --> 00:03:39,480 Speaker 5: And even now I'm like very meticulous with where every 77 00:03:39,480 --> 00:03:41,680 Speaker 5: dollar goes in my paycheck. And I think it's because 78 00:03:41,720 --> 00:03:44,240 Speaker 5: I remember what it's like to not be able to 79 00:03:44,320 --> 00:03:47,400 Speaker 5: afford even like we still got all the big stuff, 80 00:03:47,400 --> 00:03:49,280 Speaker 5: We got all the food and the you know, the 81 00:03:49,360 --> 00:03:52,480 Speaker 5: roof ever ahead. But I remember the first big argument 82 00:03:52,560 --> 00:03:54,680 Speaker 5: I had with my mum was whether she would buy 83 00:03:54,800 --> 00:03:57,880 Speaker 5: the most recent Harry Potter book for me, and she 84 00:03:57,960 --> 00:04:00,000 Speaker 5: was like, we just can't. We can't afford it right now. 85 00:04:00,240 --> 00:04:03,360 Speaker 5: You could go to the library, and I was very 86 00:04:03,360 --> 00:04:05,240 Speaker 5: cranky about that because I like owning money. 87 00:04:05,240 --> 00:04:08,040 Speaker 1: I did not want the library. The library's not cool. 88 00:04:08,200 --> 00:04:10,600 Speaker 5: Yeah, I've still got them here on my bookshelf at home, 89 00:04:10,640 --> 00:04:12,119 Speaker 5: the Harry Potter books, so they were like a big 90 00:04:12,120 --> 00:04:14,760 Speaker 5: thing in my childhood. But yeah, that idea of not 91 00:04:14,760 --> 00:04:16,800 Speaker 5: being able to afford something that I considered to be 92 00:04:16,880 --> 00:04:20,440 Speaker 5: so small as just a book really like through me. 93 00:04:20,600 --> 00:04:22,479 Speaker 2: But it was a lot, like it was a lot 94 00:04:22,520 --> 00:04:24,760 Speaker 2: in their budget at that time because clearly they were 95 00:04:24,800 --> 00:04:27,080 Speaker 2: living dollar to dollar and it was all making sense 96 00:04:27,160 --> 00:04:29,599 Speaker 2: until a bump in the road came off and money 97 00:04:29,600 --> 00:04:31,280 Speaker 2: diarist was like, excuse. 98 00:04:30,920 --> 00:04:32,840 Speaker 1: Me, but why not? I don't get it. 99 00:04:32,920 --> 00:04:35,400 Speaker 2: So that hits kids pretty hard as well when it 100 00:04:35,440 --> 00:04:38,599 Speaker 2: starts to become things that really impact them. So it's 101 00:04:38,640 --> 00:04:41,000 Speaker 2: interesting to see how that translated to the way you 102 00:04:41,040 --> 00:04:44,760 Speaker 2: behave as an adult, because whether it's conscious or unconscious, 103 00:04:44,800 --> 00:04:48,600 Speaker 2: our money diary is so formative. I find it so interesting. 104 00:04:49,000 --> 00:04:51,400 Speaker 2: So thank you for sharing that with us. But let's 105 00:04:51,440 --> 00:04:53,719 Speaker 2: learn a little bit about you as an adult. Now, 106 00:04:53,760 --> 00:04:55,719 Speaker 2: tell us a little bit about what you do for 107 00:04:55,760 --> 00:04:57,160 Speaker 2: work and how much money you earn. 108 00:04:57,480 --> 00:05:01,200 Speaker 5: So I'm a registered nurse in Imagine Department. So I'm 109 00:05:01,200 --> 00:05:03,680 Speaker 5: an RN four. 110 00:05:03,680 --> 00:05:05,000 Speaker 1: Now, fancy lady. 111 00:05:05,200 --> 00:05:07,200 Speaker 5: Well, basically just means I've been out of UNI for 112 00:05:07,240 --> 00:05:10,560 Speaker 5: four years. But it meant that last financial year I 113 00:05:10,640 --> 00:05:13,240 Speaker 5: earned eighty eight thousand dollars. 114 00:05:13,080 --> 00:05:14,200 Speaker 1: And that's pretty good. 115 00:05:14,640 --> 00:05:17,440 Speaker 5: Yeah, last year I had what I affectionately called lockdown 116 00:05:17,480 --> 00:05:20,120 Speaker 5: annual leave, which is where my leaf balance was too 117 00:05:20,200 --> 00:05:23,640 Speaker 5: high that Sydney was still in like our big month long, 118 00:05:23,960 --> 00:05:25,240 Speaker 5: couple months long lockdown. 119 00:05:25,520 --> 00:05:27,680 Speaker 1: Oh yeah, yeah, yeah, so I did. 120 00:05:27,560 --> 00:05:30,240 Speaker 5: Some like uber eats driving during that time just to 121 00:05:30,400 --> 00:05:31,680 Speaker 5: have a reason to get out of the house. 122 00:05:31,680 --> 00:05:32,359 Speaker 1: Oh I love that. 123 00:05:32,600 --> 00:05:36,599 Speaker 5: Yeah, and I made an extra two thousand dollars after tax. 124 00:05:36,720 --> 00:05:38,359 Speaker 1: Oh my gosh, that was worth it. 125 00:05:38,760 --> 00:05:41,280 Speaker 5: Well, I mean twofold. It stopped me from sitting in 126 00:05:41,320 --> 00:05:44,560 Speaker 5: my house for four weeks in lockdown. And yeah, a 127 00:05:44,560 --> 00:05:46,599 Speaker 5: little bit of extra coin to go towards the holiday 128 00:05:46,600 --> 00:05:47,520 Speaker 5: fund is always nice. 129 00:05:47,600 --> 00:05:48,920 Speaker 1: Yeah, that's actually epic. 130 00:05:48,960 --> 00:05:52,680 Speaker 2: I love hearing stories about people getting little side hustles 131 00:05:52,920 --> 00:05:56,359 Speaker 2: that aren't necessarily always about the money. It's yeah, great, 132 00:05:56,480 --> 00:05:58,560 Speaker 2: you made two grand, but you're also like, no, I 133 00:05:58,600 --> 00:06:00,600 Speaker 2: needed to get out of the house. This was basically 134 00:06:00,839 --> 00:06:03,400 Speaker 2: a really good insurance policy for my mental health and 135 00:06:03,440 --> 00:06:05,560 Speaker 2: to make sure that I'm still moving and doing stuff 136 00:06:05,800 --> 00:06:08,480 Speaker 2: at a time when arguably a lot of people were 137 00:06:08,560 --> 00:06:10,200 Speaker 2: just locked away and unable to. 138 00:06:10,440 --> 00:06:11,680 Speaker 1: So I love that for you. 139 00:06:11,880 --> 00:06:13,880 Speaker 5: And we still got to chat to people like it 140 00:06:13,960 --> 00:06:16,000 Speaker 5: was still very much like here's your food, but like 141 00:06:16,240 --> 00:06:16,920 Speaker 5: how is your day? 142 00:06:17,040 --> 00:06:18,919 Speaker 1: Yeah, but you still feel like you're doing something. 143 00:06:18,920 --> 00:06:20,599 Speaker 5: Still I'm talking to someone other than you know, my 144 00:06:20,640 --> 00:06:21,560 Speaker 5: partner who I live with. 145 00:06:21,800 --> 00:06:23,880 Speaker 2: I feel like in Lockdown, I was a bit like that. 146 00:06:23,920 --> 00:06:26,360 Speaker 2: Whenever the postman came, I'm like, how are you do? 147 00:06:26,400 --> 00:06:28,479 Speaker 2: You want to come for a cup of tea? Not 148 00:06:28,600 --> 00:06:30,479 Speaker 2: that I did that, but it was just a lot 149 00:06:30,520 --> 00:06:33,000 Speaker 2: more interactive than it would have been otherwise. 150 00:06:33,200 --> 00:06:35,400 Speaker 5: Oh, I was going to say, Now, if I order Uber, 151 00:06:35,480 --> 00:06:37,760 Speaker 5: it's like the person guidance and drops off my food, 152 00:06:37,800 --> 00:06:39,440 Speaker 5: and because I get we get to go out and 153 00:06:39,480 --> 00:06:41,359 Speaker 5: see all our friends. It doesn't seem as much of 154 00:06:41,360 --> 00:06:44,400 Speaker 5: a social interaction now or as it did last year. 155 00:06:44,400 --> 00:06:45,640 Speaker 5: It was definitely. 156 00:06:45,279 --> 00:06:46,680 Speaker 1: Exciting, totally. 157 00:06:46,960 --> 00:06:49,880 Speaker 2: Now, you mentioned a holiday fund before, I'd love to 158 00:06:49,920 --> 00:06:51,960 Speaker 2: know what is your big money goal? 159 00:06:52,160 --> 00:06:56,440 Speaker 5: So I always set aside parts of my money like 160 00:06:56,560 --> 00:06:58,719 Speaker 5: for holidays anyway, so I wouldn't really call that the 161 00:06:58,800 --> 00:07:03,320 Speaker 5: big goal. The big goal for me is relatively typically millennially, 162 00:07:03,440 --> 00:07:05,920 Speaker 5: is to try and buy a house. So I set 163 00:07:05,920 --> 00:07:10,200 Speaker 5: aside twenty percent of my income to a deposit account 164 00:07:10,320 --> 00:07:13,560 Speaker 5: that I'm trying to get a home deposit, so figures 165 00:07:13,560 --> 00:07:16,400 Speaker 5: cross that'll get there sometime soon. I'm starting reading into 166 00:07:16,400 --> 00:07:19,120 Speaker 5: doing contributions towards my super to get that as well, 167 00:07:19,200 --> 00:07:22,640 Speaker 5: just to try and strike while the iron's hot hopefully, 168 00:07:22,760 --> 00:07:24,160 Speaker 5: so yeah, buy a house. 169 00:07:24,240 --> 00:07:26,880 Speaker 2: Smart woman. Now tell me a little bit about the 170 00:07:26,920 --> 00:07:29,680 Speaker 2: amounts in those savings accounts, because you can say, look, 171 00:07:29,720 --> 00:07:31,960 Speaker 2: my big money goals this, but this is she's on 172 00:07:32,000 --> 00:07:34,000 Speaker 2: the money. I want to know how much is in 173 00:07:34,040 --> 00:07:36,440 Speaker 2: that account and how much further you want to go. 174 00:07:36,640 --> 00:07:40,200 Speaker 5: So if you exclude my emergency fund, because that's I've 175 00:07:40,240 --> 00:07:42,000 Speaker 5: put that in a separate account that I don't really 176 00:07:42,040 --> 00:07:44,920 Speaker 5: look at. There's ten grand in there, which I guess 177 00:07:44,960 --> 00:07:46,720 Speaker 5: I could tap into if I need, like if I 178 00:07:46,800 --> 00:07:51,240 Speaker 5: got a gin, But otherwise I have fifty thousand dollars 179 00:07:51,400 --> 00:07:52,360 Speaker 5: saved at the moment. 180 00:07:52,440 --> 00:07:53,760 Speaker 1: Oh, check you out. 181 00:07:53,920 --> 00:07:57,240 Speaker 2: You weren't wrong about being a good little saver trying. 182 00:07:57,440 --> 00:07:59,720 Speaker 1: Yeah, oh my gosh, how good? 183 00:07:59,800 --> 00:08:01,840 Speaker 2: And how much do you think you need for a 184 00:08:01,880 --> 00:08:04,040 Speaker 2: house deposit for where you want to purchase? 185 00:08:04,280 --> 00:08:06,600 Speaker 5: I live in Sydney and the house and prising is 186 00:08:07,560 --> 00:08:11,840 Speaker 5: yeah insane. I's so at the moment. And I have 187 00:08:12,000 --> 00:08:15,840 Speaker 5: learned since the spicy Cough lockdowns that I want like 188 00:08:15,880 --> 00:08:18,559 Speaker 5: a backyard, I want a house with land. I realize 189 00:08:18,600 --> 00:08:20,120 Speaker 5: how important it is for my mental health to be 190 00:08:20,200 --> 00:08:23,760 Speaker 5: able to be outside and like not just on a 191 00:08:23,760 --> 00:08:27,040 Speaker 5: little balcony. Yeah, so it means I'm looking at like 192 00:08:27,160 --> 00:08:31,280 Speaker 5: one point two minimum in terms of purchase price, and 193 00:08:31,640 --> 00:08:34,199 Speaker 5: ideally I'd like to avoid LMI, so I'm going to 194 00:08:34,240 --> 00:08:37,080 Speaker 5: go for twenty percent of that. But currently I'm living 195 00:08:37,080 --> 00:08:40,360 Speaker 5: with my partner, so he also has that as his goal, 196 00:08:40,440 --> 00:08:43,880 Speaker 5: Like he wants a house as well, so let's go 197 00:08:44,000 --> 00:08:44,600 Speaker 5: ten percent. 198 00:08:44,960 --> 00:08:47,240 Speaker 2: Yeah, okay, so that'll make it a little bit easier, 199 00:08:47,400 --> 00:08:50,120 Speaker 2: but obviously that's a really big goal. Like we're not 200 00:08:50,200 --> 00:08:52,880 Speaker 2: talking let's just say fifty grand and buy something that 201 00:08:53,000 --> 00:08:55,760 Speaker 2: fifty grand can buy you. How do you feel about 202 00:08:55,800 --> 00:08:58,920 Speaker 2: time frames around goals, so like, are you still committed 203 00:08:59,000 --> 00:09:00,719 Speaker 2: or do you feel like some times you fall off 204 00:09:00,720 --> 00:09:03,280 Speaker 2: the bandwagon, because I think a lot of millennials are 205 00:09:03,280 --> 00:09:06,120 Speaker 2: in this situation where they're like, oh my god, saving 206 00:09:06,160 --> 00:09:09,120 Speaker 2: for a house takes forever, but it's worth it in 207 00:09:09,120 --> 00:09:09,920 Speaker 2: the long term. 208 00:09:10,000 --> 00:09:13,240 Speaker 5: Yeah. I mean, I definitely have those moments where you're 209 00:09:13,280 --> 00:09:15,720 Speaker 5: like trolling domain or real estate dot Com and you're 210 00:09:15,720 --> 00:09:18,319 Speaker 5: seeing what you could get if you've got a deposit 211 00:09:18,360 --> 00:09:22,800 Speaker 5: on what you had now, and it's always disheartening. Yeah, 212 00:09:22,840 --> 00:09:25,400 Speaker 5: but I know that my parents now like they've offered 213 00:09:25,400 --> 00:09:27,240 Speaker 5: to let me move back in home with my partner 214 00:09:27,320 --> 00:09:29,000 Speaker 5: and they set up a little space for us if 215 00:09:29,000 --> 00:09:30,920 Speaker 5: we wanted to save the money we were spending on rent. 216 00:09:31,520 --> 00:09:33,960 Speaker 5: So that's something we're considering because that would save we 217 00:09:34,000 --> 00:09:37,120 Speaker 5: spend fifteen grand on rent, Like my half of it 218 00:09:37,160 --> 00:09:40,400 Speaker 5: is that much. So oh my gosh, wow, Si me 219 00:09:40,480 --> 00:09:43,360 Speaker 5: renting is also expensive, but that would mean that that 220 00:09:43,400 --> 00:09:46,120 Speaker 5: would be fifteen grand that I can save without having 221 00:09:46,160 --> 00:09:47,640 Speaker 5: to like do it. 222 00:09:47,760 --> 00:09:50,800 Speaker 2: Yah, And that's a massive saving and like that projects 223 00:09:50,920 --> 00:09:54,360 Speaker 2: you so much further forward when it comes to saving 224 00:09:54,400 --> 00:09:56,840 Speaker 2: for a home and if you're moving back in, like 225 00:09:57,040 --> 00:10:00,160 Speaker 2: arguably you and your partner, if you're both doing that, 226 00:10:00,160 --> 00:10:02,720 Speaker 2: potentially is another thirty grand a year, Like that's why. 227 00:10:02,800 --> 00:10:04,520 Speaker 5: Yeah, so that's what we're talking about at the moment. 228 00:10:04,640 --> 00:10:07,560 Speaker 5: But he's a bit older than me and has lived 229 00:10:07,559 --> 00:10:09,920 Speaker 5: out of home for a lot longer, so he's obviously 230 00:10:10,000 --> 00:10:13,080 Speaker 5: very hesitant to give up that independence to move back in, 231 00:10:13,160 --> 00:10:14,360 Speaker 5: especially with my family. 232 00:10:15,040 --> 00:10:17,440 Speaker 2: Yeah, it's definitely a balance of values and what you 233 00:10:17,480 --> 00:10:20,760 Speaker 2: want to do and how it's working. I totally understand that. 234 00:10:21,480 --> 00:10:24,240 Speaker 2: Moving on from goals, I want to know, do you 235 00:10:24,280 --> 00:10:25,319 Speaker 2: have any investments. 236 00:10:25,440 --> 00:10:28,080 Speaker 5: I have my super which I never really thought of 237 00:10:28,160 --> 00:10:30,640 Speaker 5: as an investment until the podcast. 238 00:10:30,080 --> 00:10:32,560 Speaker 1: But it is, but it is. I promise it's. 239 00:10:32,400 --> 00:10:35,000 Speaker 5: Got thirty thousand in it at the moment. 240 00:10:35,200 --> 00:10:36,800 Speaker 1: Hey, that's pretty good for your app. 241 00:10:36,840 --> 00:10:39,160 Speaker 5: Yeah, I think it's like this was a little I 242 00:10:39,160 --> 00:10:40,920 Speaker 5: think you guys might have posted it like a little 243 00:10:41,120 --> 00:10:43,240 Speaker 5: what's the average for your age bracket? Yeah? 244 00:10:43,320 --> 00:10:45,960 Speaker 1: Probably. Yeah, that sounds like something just would have done 245 00:10:45,960 --> 00:10:46,360 Speaker 1: to us. 246 00:10:46,520 --> 00:10:48,240 Speaker 5: And that kind of average, which is good. 247 00:10:48,559 --> 00:10:49,880 Speaker 1: It's nice to just know your own trick. 248 00:10:49,920 --> 00:10:50,079 Speaker 4: Yeah. 249 00:10:50,120 --> 00:10:52,040 Speaker 5: I always thought I was behind because I didn't really 250 00:10:52,920 --> 00:10:55,599 Speaker 5: like a lot of people start working at fourteen and 251 00:10:55,679 --> 00:10:59,080 Speaker 5: nine months and they keep binding, whereas my first job 252 00:10:59,120 --> 00:11:03,319 Speaker 5: I was eighteen, Like it was. I couldn't work during 253 00:11:03,360 --> 00:11:05,360 Speaker 5: high school, so it was I was always worried that 254 00:11:05,360 --> 00:11:07,640 Speaker 5: I'd be behind. But it's nice to know that I'm 255 00:11:07,720 --> 00:11:12,080 Speaker 5: kind of on average. And then last year I put 256 00:11:12,080 --> 00:11:14,480 Speaker 5: my tax return into a raise account. 257 00:11:14,600 --> 00:11:16,679 Speaker 1: And oh my gosh, who is she? I know you. 258 00:11:16,600 --> 00:11:19,640 Speaker 5: Contribute like the price of one coffee a week, which 259 00:11:19,679 --> 00:11:20,520 Speaker 5: I know isn't a lot. 260 00:11:20,880 --> 00:11:21,720 Speaker 1: No, no, no no. 261 00:11:21,960 --> 00:11:23,920 Speaker 2: I used to quote on the podcast all the time 262 00:11:23,960 --> 00:11:26,280 Speaker 2: from little things, big things grow, and they really do. 263 00:11:26,520 --> 00:11:29,280 Speaker 2: It's about the habit, and it's about forming those habits 264 00:11:29,360 --> 00:11:32,920 Speaker 2: and creating consistency, so when your income increases or your 265 00:11:32,920 --> 00:11:34,959 Speaker 2: situation changes, you can make that change. 266 00:11:35,000 --> 00:11:37,439 Speaker 5: And also, I'm very risk averse, so I went, if 267 00:11:37,480 --> 00:11:38,680 Speaker 5: I can give up one. 268 00:11:38,520 --> 00:11:39,720 Speaker 1: Cup of coffee slowly? 269 00:11:40,000 --> 00:11:42,160 Speaker 5: Yeah, like I could handle not having one coffee. 270 00:11:42,200 --> 00:11:44,480 Speaker 2: You're like, if I lost a cup of coffee this week, 271 00:11:44,600 --> 00:11:47,320 Speaker 2: it wouldn't be the worst thing, So let's start investing 272 00:11:47,360 --> 00:11:47,719 Speaker 2: with that. 273 00:11:47,800 --> 00:11:49,160 Speaker 1: I love that exactly. 274 00:11:49,840 --> 00:11:51,680 Speaker 5: I dropped my coffee on the floor the other day 275 00:11:51,760 --> 00:11:53,960 Speaker 5: and that was also five dollars down the drain. 276 00:11:54,960 --> 00:11:57,560 Speaker 1: Oh my gosh, it was so disappointing. I love that 277 00:11:57,679 --> 00:12:01,880 Speaker 1: for you. Next question is do you currently have any debts? 278 00:12:01,920 --> 00:12:02,920 Speaker 1: I feel like you're going. 279 00:12:02,840 --> 00:12:03,320 Speaker 5: To say no. 280 00:12:03,559 --> 00:12:05,960 Speaker 1: I feel like I'm pretty good at predicting this, but 281 00:12:06,360 --> 00:12:06,880 Speaker 1: what is it. 282 00:12:07,080 --> 00:12:10,839 Speaker 5: No, I don't currently have any debts. I have had debt, 283 00:12:10,920 --> 00:12:13,120 Speaker 5: like I got a car loan to buy a car, 284 00:12:13,840 --> 00:12:16,320 Speaker 5: but then I also got essentially I got a payment 285 00:12:16,360 --> 00:12:18,480 Speaker 5: for being a victim of a crime and use that 286 00:12:18,520 --> 00:12:20,920 Speaker 5: to pay off my car loan. So now, apart from 287 00:12:20,960 --> 00:12:21,960 Speaker 5: my hex, I'm debt free. 288 00:12:22,000 --> 00:12:23,600 Speaker 1: That is a really terrible money win. 289 00:12:23,720 --> 00:12:26,160 Speaker 2: I mean, yeah, it's a money win because you got 290 00:12:26,280 --> 00:12:28,480 Speaker 2: money and got to pay off a debt, but you 291 00:12:28,679 --> 00:12:31,520 Speaker 2: probably experienced something really traumatic. 292 00:12:31,880 --> 00:12:33,480 Speaker 1: Yeah, but I'm sorry. 293 00:12:33,559 --> 00:12:35,240 Speaker 5: I feel like I can joke about it now and 294 00:12:35,320 --> 00:12:38,000 Speaker 5: I think of it now as let's just focus on 295 00:12:38,040 --> 00:12:40,320 Speaker 5: the fact that I got that money in I mean, 296 00:12:40,360 --> 00:12:42,440 Speaker 5: no debt debt free except my hex. But you know 297 00:12:42,559 --> 00:12:43,640 Speaker 5: that dies with me anyway. 298 00:12:43,720 --> 00:12:45,440 Speaker 1: So all right, So we're going to come back to 299 00:12:45,480 --> 00:12:46,400 Speaker 1: that after the break. 300 00:12:46,440 --> 00:12:49,520 Speaker 2: But moving on from my question about debt, I want 301 00:12:49,520 --> 00:12:52,360 Speaker 2: to ask about good money habits. But before I get there, 302 00:12:52,800 --> 00:12:55,599 Speaker 2: my friend, you're in the She's on the Money community. 303 00:12:55,800 --> 00:12:58,280 Speaker 2: You knew that you wanted to share money wins with us, 304 00:12:58,559 --> 00:13:01,679 Speaker 2: so it's a logical or something to assume. 305 00:13:01,280 --> 00:13:03,600 Speaker 1: That maybe you use shop back. Can you tell us 306 00:13:03,640 --> 00:13:05,840 Speaker 1: if you do, or if you've had any experience with 307 00:13:05,920 --> 00:13:06,319 Speaker 1: it before? 308 00:13:06,360 --> 00:13:06,640 Speaker 4: I do. 309 00:13:06,720 --> 00:13:08,720 Speaker 5: I do use shot back. I haven't heard of it 310 00:13:08,800 --> 00:13:12,920 Speaker 5: before the podcast. I was. I had the Honey extension, 311 00:13:13,240 --> 00:13:13,719 Speaker 5: the one that. 312 00:13:13,720 --> 00:13:15,480 Speaker 1: Like, oh my gosh, I remember. 313 00:13:15,160 --> 00:13:17,040 Speaker 5: Allie you like discount codes. 314 00:13:17,080 --> 00:13:19,640 Speaker 4: And it was really annoying though, because I got I 315 00:13:19,720 --> 00:13:22,040 Speaker 4: reckon six emails a day from that Honey pcent. 316 00:13:22,559 --> 00:13:24,439 Speaker 5: I was like, no, the emails are worth it if 317 00:13:24,440 --> 00:13:27,480 Speaker 5: I save some money. Yeah, shot back, no emails like 318 00:13:27,559 --> 00:13:29,480 Speaker 5: unless I want them, which is even better. I don't 319 00:13:29,480 --> 00:13:31,640 Speaker 5: feel like they're spamming my inbox, and so far I've 320 00:13:31,640 --> 00:13:33,920 Speaker 5: got like thirty dollars sitting in there, which will be 321 00:13:33,960 --> 00:13:35,960 Speaker 5: a nice little treat at some point. 322 00:13:36,160 --> 00:13:38,440 Speaker 2: I love that I have been trying to use shot 323 00:13:38,480 --> 00:13:40,760 Speaker 2: back as much as possible. If you're a long term 324 00:13:40,800 --> 00:13:43,120 Speaker 2: listener of the pod, you'll know that Jess uses shot 325 00:13:43,200 --> 00:13:45,760 Speaker 2: back on all of our business purchases, so hers is 326 00:13:45,920 --> 00:13:49,880 Speaker 2: looking probably incredibly healthy right now. But I'm planning on 327 00:13:49,960 --> 00:13:52,360 Speaker 2: drawing mine now at Christmas time and using it on 328 00:13:52,440 --> 00:13:55,160 Speaker 2: Christmas groceries, because I feel like that's the thing that 329 00:13:55,200 --> 00:13:57,520 Speaker 2: gets away from me at Christmas. I budget for presents 330 00:13:57,559 --> 00:13:59,880 Speaker 2: and organize all of that stuff, but I totally forget 331 00:14:00,000 --> 00:14:03,160 Speaker 2: how much I spend on groceries. But moving on before 332 00:14:03,200 --> 00:14:05,600 Speaker 2: someone mentions the fact that I did a weeminar we 333 00:14:05,600 --> 00:14:07,600 Speaker 2: shot back one time and said it's just like honey 334 00:14:07,679 --> 00:14:11,600 Speaker 2: guys in front of the MD of shot back, which 335 00:14:11,640 --> 00:14:13,160 Speaker 2: is just they still work with us. 336 00:14:13,200 --> 00:14:14,200 Speaker 1: So far, so good. 337 00:14:14,679 --> 00:14:17,000 Speaker 2: I want to know another one of your good money habits, 338 00:14:17,040 --> 00:14:19,480 Speaker 2: my friend, what is your best money habit? 339 00:14:19,560 --> 00:14:21,360 Speaker 5: I probably go with my best money habit at the 340 00:14:21,360 --> 00:14:26,400 Speaker 5: moment is automation. Like all my pay. I'm very fortunate 341 00:14:26,440 --> 00:14:27,680 Speaker 5: that I work for the government. I work in a 342 00:14:27,720 --> 00:14:31,000 Speaker 5: public hospital, and they allow you to separate your pay 343 00:14:31,080 --> 00:14:32,680 Speaker 5: into like six separate chunks. 344 00:14:33,360 --> 00:14:35,040 Speaker 1: So oh, how good is that? 345 00:14:35,400 --> 00:14:37,560 Speaker 5: So I've worked out how much my bills for the 346 00:14:37,640 --> 00:14:39,200 Speaker 5: year work out to be for the month, and then 347 00:14:39,280 --> 00:14:42,040 Speaker 5: set that aside, and then I get my twenty percent 348 00:14:42,120 --> 00:14:44,680 Speaker 5: deposit and I set that aside, and you know, five 349 00:14:44,720 --> 00:14:47,680 Speaker 5: percent goes to my little holiday accounts. Set that aside 350 00:14:47,680 --> 00:14:50,800 Speaker 5: each month. So it just means that I never feel short. 351 00:14:50,920 --> 00:14:52,920 Speaker 5: So I think that's probably my best I. 352 00:14:52,840 --> 00:14:53,520 Speaker 1: Really like that. 353 00:14:53,760 --> 00:14:56,840 Speaker 2: So are you saying that what hits your actual bank 354 00:14:56,880 --> 00:14:59,160 Speaker 2: account that you kind of have a debit card with, 355 00:14:59,680 --> 00:15:01,680 Speaker 2: that's just what you can spend, and you know you 356 00:15:01,720 --> 00:15:04,600 Speaker 2: can spend because everything else is already pre allocated. 357 00:15:04,680 --> 00:15:08,720 Speaker 5: Yeah, pretty much. So I do HelloFresh for meals, but 358 00:15:09,120 --> 00:15:11,760 Speaker 5: for breakfasts and you know, little snacks and things like that. 359 00:15:11,800 --> 00:15:13,560 Speaker 5: I've still got to put the groceries on that part. 360 00:15:14,160 --> 00:15:15,560 Speaker 5: But other than that, if I want to go out 361 00:15:15,560 --> 00:15:17,160 Speaker 5: with my friends or if I want that you know, 362 00:15:17,600 --> 00:15:20,480 Speaker 5: cheeky second coffee for the day, like I know that 363 00:15:20,480 --> 00:15:23,000 Speaker 5: that money is there for the month, and yeah. 364 00:15:22,720 --> 00:15:23,480 Speaker 1: I really like that. 365 00:15:23,560 --> 00:15:26,280 Speaker 2: I feel like that sounds very similar to the budget 366 00:15:26,320 --> 00:15:28,720 Speaker 2: and cash flow system that I am a massive fan 367 00:15:28,760 --> 00:15:32,160 Speaker 2: of because I created it incredibly biased. But it's really 368 00:15:32,160 --> 00:15:35,400 Speaker 2: about automating all of the things except your food, your fuel, 369 00:15:35,440 --> 00:15:37,640 Speaker 2: and your fun because you still have to like tap 370 00:15:37,680 --> 00:15:39,240 Speaker 2: a debit card for those things. 371 00:15:39,320 --> 00:15:40,520 Speaker 1: And it just makes sense. 372 00:15:40,840 --> 00:15:43,200 Speaker 2: But as you said, if you want another cheeky coffee, 373 00:15:43,240 --> 00:15:45,200 Speaker 2: it's easy to do because in the back of your mind, 374 00:15:45,200 --> 00:15:47,720 Speaker 2: you're like, oh, I was pretty good with groceries this week. 375 00:15:47,760 --> 00:15:49,880 Speaker 2: It doesn't matter too much if I do that. Or 376 00:15:49,960 --> 00:15:51,760 Speaker 2: if you went over and had a few more splurge 377 00:15:51,800 --> 00:15:54,240 Speaker 2: items in your groceries, you'd be like, ah, anomal coffee. 378 00:15:54,280 --> 00:15:56,160 Speaker 2: I'll just have our tea when I get home. 379 00:15:56,880 --> 00:15:59,200 Speaker 5: Yeah, And I mean reading your book did make me 380 00:15:59,280 --> 00:16:00,520 Speaker 5: change my system a little bit. 381 00:16:00,720 --> 00:16:02,960 Speaker 1: Oh really, how tell us spill the beans. 382 00:16:03,040 --> 00:16:05,400 Speaker 5: It was probably more to do with the like making 383 00:16:05,440 --> 00:16:10,280 Speaker 5: sure your fixed expenses are split up per pay cycle 384 00:16:10,840 --> 00:16:13,840 Speaker 5: and audiating that, whereas I was trying to like guess 385 00:16:14,080 --> 00:16:16,320 Speaker 5: before and being like, oh, I think it'll be like 386 00:16:16,320 --> 00:16:17,800 Speaker 5: this much a month or that much a month. 387 00:16:17,840 --> 00:16:21,320 Speaker 1: I'll tell you stress yourself out. Yeah, that's how you 388 00:16:21,440 --> 00:16:22,360 Speaker 1: end up in a pickle. 389 00:16:22,720 --> 00:16:24,720 Speaker 5: I had a spreadsheet and it was like it was 390 00:16:24,920 --> 00:16:25,600 Speaker 5: I was close. 391 00:16:26,080 --> 00:16:27,000 Speaker 1: That's more than guess what. 392 00:16:27,160 --> 00:16:30,640 Speaker 2: That is better than an edge, that's for sure. 393 00:16:31,120 --> 00:16:32,160 Speaker 1: I like that. 394 00:16:32,280 --> 00:16:34,560 Speaker 2: And I think that we've just tobo charged it. We're 395 00:16:34,600 --> 00:16:36,120 Speaker 2: working together for your cash flow. 396 00:16:36,200 --> 00:16:37,360 Speaker 5: I love it absolutely. 397 00:16:37,440 --> 00:16:40,440 Speaker 2: All right, let's flip this on its head, money diarist, 398 00:16:40,600 --> 00:16:42,280 Speaker 2: what's your worst money habit? 399 00:16:42,680 --> 00:16:45,640 Speaker 5: You thought about this one a lot, mainly because I 400 00:16:45,680 --> 00:16:47,920 Speaker 5: didn't have like a gut answer, or if I did, 401 00:16:47,960 --> 00:16:50,840 Speaker 5: it wasn't one that I thought was like quote unquote valid. 402 00:16:51,560 --> 00:16:54,600 Speaker 5: I think, if anything, it's that I don't treat myself 403 00:16:55,000 --> 00:16:57,960 Speaker 5: like I go to work like forty hours a week. 404 00:16:58,040 --> 00:17:01,200 Speaker 5: We all do. And I don't like spending my money. 405 00:17:01,760 --> 00:17:05,159 Speaker 5: I think that comes from that anxiety of not knowing 406 00:17:05,160 --> 00:17:08,640 Speaker 5: whether I'll have enough, which is silly because I didn't 407 00:17:08,680 --> 00:17:10,600 Speaker 5: really struggle with that much as a kid. But I 408 00:17:10,640 --> 00:17:12,639 Speaker 5: think it's because I don't want to be without the 409 00:17:12,680 --> 00:17:15,080 Speaker 5: money that I do have. So I guess my worst 410 00:17:15,080 --> 00:17:17,960 Speaker 5: money habit is that I don't spend it on me 411 00:17:18,359 --> 00:17:21,199 Speaker 5: that often other people one hundred percent. If you're my 412 00:17:21,240 --> 00:17:24,000 Speaker 5: friend and it's your birthday, have gift, but for me, 413 00:17:24,119 --> 00:17:27,040 Speaker 5: I kind of hold on to it very tight. 414 00:17:27,480 --> 00:17:31,000 Speaker 2: I feel like that's really common, especially given the context 415 00:17:31,040 --> 00:17:34,040 Speaker 2: you've provided us with around how you grew up around 416 00:17:34,080 --> 00:17:36,520 Speaker 2: money and that you kind of have carried that as 417 00:17:36,560 --> 00:17:39,520 Speaker 2: a burden, and the way you compensate for that in 418 00:17:39,560 --> 00:17:42,800 Speaker 2: a way is to overcompensate when it comes to money 419 00:17:43,040 --> 00:17:46,399 Speaker 2: and hoard it and not diffuse it when it comes 420 00:17:46,400 --> 00:17:49,040 Speaker 2: to looking after yourself. But I do think that a 421 00:17:49,040 --> 00:17:53,119 Speaker 2: healthy budget long term does include self care, because self 422 00:17:53,160 --> 00:17:54,760 Speaker 2: care is going to mean that you are better at 423 00:17:54,840 --> 00:17:57,480 Speaker 2: work and you're able to, you know, put more into 424 00:17:57,520 --> 00:18:00,840 Speaker 2: your job and ultimately earn more money and be more sustainable. 425 00:18:01,119 --> 00:18:02,640 Speaker 1: So definitely treat yourself. 426 00:18:02,800 --> 00:18:04,760 Speaker 2: But it sounds like you're learning a little bit because 427 00:18:04,800 --> 00:18:07,800 Speaker 2: before we started recording, you did say for your birthday, 428 00:18:07,880 --> 00:18:10,639 Speaker 2: you are getting yourself a nice massage. 429 00:18:10,320 --> 00:18:11,960 Speaker 5: And I have made sure that there will be, you know, 430 00:18:12,119 --> 00:18:14,480 Speaker 5: enough in my little spending account to make sure that happens, 431 00:18:14,520 --> 00:18:16,440 Speaker 5: because payday is after my birthday. 432 00:18:16,880 --> 00:18:18,960 Speaker 2: I hate that when you're like, no, I wanted this 433 00:18:19,119 --> 00:18:21,040 Speaker 2: nice thing, but I'm gonna have to budget for it 434 00:18:21,080 --> 00:18:22,120 Speaker 2: a month in advance. 435 00:18:22,160 --> 00:18:24,679 Speaker 5: I get paid fortnightly, my birthdays on the Tuesday and 436 00:18:24,720 --> 00:18:29,320 Speaker 5: Payday's on the Wednesday on. It's like just that little 437 00:18:29,320 --> 00:18:31,760 Speaker 5: bit too tight, But that's okay. We'll have enough. Or 438 00:18:31,760 --> 00:18:34,040 Speaker 5: if not, I could steal a little from my travel 439 00:18:34,080 --> 00:18:36,240 Speaker 5: fund and put it back when I get paid. 440 00:18:36,320 --> 00:18:38,240 Speaker 1: We can replenish that later. That is fine. 441 00:18:38,280 --> 00:18:42,919 Speaker 2: You definitely deserve the massage. Yeah, money diarist. Last question 442 00:18:43,000 --> 00:18:46,000 Speaker 2: before we head to a quick break is if we 443 00:18:46,119 --> 00:18:48,440 Speaker 2: forced you to give yourself a money grade, what would 444 00:18:48,480 --> 00:18:49,520 Speaker 2: you grade yourself. 445 00:18:49,960 --> 00:18:51,840 Speaker 5: I'm probably going to go with, like, I don't really 446 00:18:51,920 --> 00:18:54,480 Speaker 5: understand the whole pluses and minuses of the grade system. 447 00:18:54,720 --> 00:18:57,000 Speaker 2: Ah, you can just make it up, honestly, when I 448 00:18:57,040 --> 00:18:58,640 Speaker 2: think that's what everybody else does. 449 00:18:58,680 --> 00:19:00,800 Speaker 1: We don't fact check it, so we'll go with. 450 00:19:01,000 --> 00:19:05,240 Speaker 5: Like a B. I'm not great, but I've definitely improved 451 00:19:05,240 --> 00:19:07,480 Speaker 5: a lot, but I still think I have a way 452 00:19:07,480 --> 00:19:09,919 Speaker 5: to go. But I'm like the higher end of the 453 00:19:09,920 --> 00:19:10,919 Speaker 5: B scale, So like. 454 00:19:10,920 --> 00:19:13,320 Speaker 1: A B plus, Yeah, maybe a B plus. We'll give 455 00:19:13,359 --> 00:19:14,080 Speaker 1: you a B plus. 456 00:19:14,560 --> 00:19:17,240 Speaker 5: I reckon if that's how it works. I'm gonna be honest, 457 00:19:17,280 --> 00:19:19,000 Speaker 5: I don't really know, but let's yeah. 458 00:19:18,880 --> 00:19:19,240 Speaker 1: I reckon. 459 00:19:19,280 --> 00:19:21,919 Speaker 2: There's a few people listening that are, like Money Diarist, 460 00:19:22,040 --> 00:19:25,679 Speaker 2: you've got a really healthy emergency fund saving for a house. 461 00:19:25,880 --> 00:19:28,159 Speaker 2: Sounds like you've got a budget and cash flow system 462 00:19:28,320 --> 00:19:31,320 Speaker 2: that is incredibly efficient. They're going to be shaking their 463 00:19:31,320 --> 00:19:32,600 Speaker 2: phones right now listening to. 464 00:19:32,600 --> 00:19:34,800 Speaker 1: You, going like, get it together, you're an a. I 465 00:19:34,880 --> 00:19:37,000 Speaker 1: won't argue with you, but I do have a few 466 00:19:37,119 --> 00:19:39,040 Speaker 1: questions for you. Right after this quick. 467 00:19:38,800 --> 00:19:42,440 Speaker 2: Break, all right, diving straight back in Money Diarist, when 468 00:19:42,440 --> 00:19:45,320 Speaker 2: you wrote into Jess, you explained that you've been going 469 00:19:45,359 --> 00:19:47,639 Speaker 2: through some stuff at your parents' house and found some 470 00:19:47,720 --> 00:19:50,000 Speaker 2: notes that you'd left and like kind of like journal 471 00:19:50,160 --> 00:19:52,399 Speaker 2: entries from when you were little about how you were 472 00:19:52,440 --> 00:19:53,560 Speaker 2: stressed about money. 473 00:19:53,840 --> 00:19:56,560 Speaker 1: And I'd love to know a little bit more about. 474 00:19:56,280 --> 00:19:59,159 Speaker 2: That process and how that has affected you in the 475 00:19:59,200 --> 00:20:02,240 Speaker 2: long term, because Jess said you had was an open 476 00:20:02,320 --> 00:20:05,720 Speaker 2: heart surgery when you were young. Yeah, oh my gosh. 477 00:20:05,760 --> 00:20:09,119 Speaker 2: That is a lot of trauma to carry, but obviously 478 00:20:09,400 --> 00:20:12,000 Speaker 2: created a fair bit of financial burden on your family, 479 00:20:12,119 --> 00:20:14,520 Speaker 2: given your dad went through a retrenchment to make sure 480 00:20:14,560 --> 00:20:15,200 Speaker 2: he could hang. 481 00:20:15,080 --> 00:20:17,000 Speaker 1: Out with you, which is so special. 482 00:20:17,480 --> 00:20:19,520 Speaker 2: But could you tell us a little bit about that 483 00:20:19,560 --> 00:20:20,560 Speaker 2: period of your life. 484 00:20:20,720 --> 00:20:23,920 Speaker 5: Yeah, So, throats that I found were like it was 485 00:20:24,160 --> 00:20:26,439 Speaker 5: after I heard that I needed another surgery. So I 486 00:20:26,480 --> 00:20:29,160 Speaker 5: had one when I was born, and then the second 487 00:20:29,160 --> 00:20:32,120 Speaker 5: one when I was fourteen. But when I was twelve, 488 00:20:32,160 --> 00:20:36,200 Speaker 5: I started getting sick with the symptoms of my heart condition, 489 00:20:36,960 --> 00:20:39,920 Speaker 5: and I overheard the doctor telling my parents that I 490 00:20:39,960 --> 00:20:43,520 Speaker 5: needed extra heart surgery, which my parents had never really 491 00:20:43,560 --> 00:20:44,840 Speaker 5: spoken to me about because they. 492 00:20:44,720 --> 00:20:47,159 Speaker 1: Wanted me to be a happy child. 493 00:20:47,000 --> 00:20:49,600 Speaker 5: Exactly like I played rep sport, like I was very 494 00:20:49,640 --> 00:20:52,920 Speaker 5: fit and healthy, and they didn't really want that burden 495 00:20:53,240 --> 00:20:54,040 Speaker 5: hanging over me. 496 00:20:54,280 --> 00:20:57,399 Speaker 2: It's stressful, and a kid doesn't fully comprehend that, especially 497 00:20:57,480 --> 00:20:58,760 Speaker 2: if it's a maybe right. 498 00:20:58,720 --> 00:21:01,480 Speaker 5: Yeah, right. It could have been in ten years from 499 00:21:01,480 --> 00:21:03,920 Speaker 5: that point, It could have been two years from that point. 500 00:21:03,960 --> 00:21:05,719 Speaker 5: It could have been six months from then. Like I 501 00:21:05,760 --> 00:21:08,399 Speaker 5: wasn't going to know, so my parents didn't tell me. 502 00:21:08,720 --> 00:21:11,000 Speaker 5: But then when I did hear, I didn't talk to 503 00:21:11,040 --> 00:21:14,879 Speaker 5: them either, So I kind of compartmentalized and bottled all 504 00:21:14,880 --> 00:21:18,879 Speaker 5: that up and got a bit stressed. And yeah, I 505 00:21:18,920 --> 00:21:22,160 Speaker 5: was very much a diary kid. I wrote a lot. 506 00:21:22,320 --> 00:21:25,600 Speaker 5: And then my dad got retrenched from his job or 507 00:21:25,680 --> 00:21:27,200 Speaker 5: accepted in the retrenchment. 508 00:21:27,280 --> 00:21:29,760 Speaker 4: I guess, can you before you go any further for 509 00:21:29,800 --> 00:21:32,560 Speaker 4: anyone who doesn't know what a retrenchment is, can you 510 00:21:32,640 --> 00:21:33,520 Speaker 4: just explain that for. 511 00:21:33,440 --> 00:21:36,359 Speaker 5: Them my understanding, I'll put it out there. 512 00:21:36,680 --> 00:21:38,800 Speaker 1: Yeah, is essentially I'll confirm nor deny. 513 00:21:39,680 --> 00:21:43,320 Speaker 5: Yeah, thank you. It was essentially the business went. We 514 00:21:43,440 --> 00:21:46,919 Speaker 5: no longer have a role that suits your needs. So 515 00:21:47,119 --> 00:21:50,560 Speaker 5: you can either take this chunk of money to leave 516 00:21:50,600 --> 00:21:54,439 Speaker 5: the business, or we can try and fit you in 517 00:21:54,480 --> 00:21:56,480 Speaker 5: a hole, but it won't necessarily be at the same 518 00:21:56,560 --> 00:21:58,680 Speaker 5: pay grade or in the same position. That was kind 519 00:21:58,680 --> 00:21:59,679 Speaker 5: of my understanding of it. 520 00:22:00,160 --> 00:22:02,240 Speaker 1: Is not wrong. Yeah, so it's similar to a redundancy. 521 00:22:02,359 --> 00:22:04,639 Speaker 2: Similar to a redundancy, but it's kind of like a 522 00:22:04,720 --> 00:22:07,639 Speaker 2: negotiation and yeah, okay. Rather it's a bit more in 523 00:22:07,680 --> 00:22:10,560 Speaker 2: your court about what the outcome is in comparison to 524 00:22:10,640 --> 00:22:13,479 Speaker 2: a redundancy where they're like, hey, JS, your services are 525 00:22:13,520 --> 00:22:16,120 Speaker 2: no longer needed because you don't have a job here anymore. Yeah, okay, 526 00:22:16,160 --> 00:22:18,760 Speaker 2: this is the outcome. It's a bit more in your hands. 527 00:22:19,000 --> 00:22:21,840 Speaker 2: But in saying that the world is wild, and that 528 00:22:21,880 --> 00:22:24,399 Speaker 2: doesn't mean that every business treats it in exactly the 529 00:22:24,440 --> 00:22:24,880 Speaker 2: same way. 530 00:22:25,040 --> 00:22:26,639 Speaker 4: I could see though, if that's the case, and if 531 00:22:26,680 --> 00:22:29,320 Speaker 4: it was a bit in his power to negotiate why 532 00:22:29,359 --> 00:22:31,439 Speaker 4: he would have elected to take that to spend more 533 00:22:31,480 --> 00:22:33,080 Speaker 4: time with you knowing that you were going to have 534 00:22:33,119 --> 00:22:33,760 Speaker 4: that surgery. 535 00:22:34,000 --> 00:22:36,680 Speaker 5: Yeah, so he actually was one of the ones that 536 00:22:37,000 --> 00:22:40,120 Speaker 5: sat with me. I have siblings, and my mom spent 537 00:22:40,200 --> 00:22:43,119 Speaker 5: a lot of time with them, but my dad and 538 00:22:43,160 --> 00:22:45,760 Speaker 5: I are really close, and he was probably a better 539 00:22:45,800 --> 00:22:47,640 Speaker 5: presence to have at the bedside anyway. 540 00:22:47,880 --> 00:22:51,320 Speaker 2: At fourteen, I can absolutely attest to that. I used 541 00:22:51,359 --> 00:22:53,639 Speaker 2: to fight like cat'n dog with my mum, but my 542 00:22:53,720 --> 00:22:55,520 Speaker 2: dad would walk in and I'd be like, Hi, Dad, 543 00:22:55,600 --> 00:22:58,240 Speaker 2: love you, right, I was a pet. 544 00:22:58,520 --> 00:23:00,320 Speaker 5: I think my mum and I are very similar, so 545 00:23:00,359 --> 00:23:03,760 Speaker 5: we kind of butt heads a lot. Same that complicates things. 546 00:23:03,960 --> 00:23:06,000 Speaker 1: Love you, mum if you're listening, three that. 547 00:23:06,480 --> 00:23:08,240 Speaker 5: Mum doesn't know neither, but like, she doesn't know that 548 00:23:08,280 --> 00:23:10,000 Speaker 5: I'm doing this, but I still love you. 549 00:23:10,720 --> 00:23:13,159 Speaker 1: We won't tell her, don't worry, but mine listens. We 550 00:23:13,200 --> 00:23:17,520 Speaker 1: need to remind her that I love her still. Hello, Judy. 551 00:23:17,560 --> 00:23:20,800 Speaker 4: With your surgery, did you guys have and you may 552 00:23:20,840 --> 00:23:23,159 Speaker 4: not know this because obviously you were quite young. 553 00:23:23,400 --> 00:23:24,560 Speaker 1: Did you have private health? 554 00:23:24,600 --> 00:23:27,480 Speaker 4: Were there additional expenses that were incurred as a part 555 00:23:27,520 --> 00:23:28,520 Speaker 4: of that that then. 556 00:23:28,560 --> 00:23:30,800 Speaker 1: Added to the stress that you were experiencing. 557 00:23:30,920 --> 00:23:34,000 Speaker 5: So I did have private health insurance, not me personally, 558 00:23:34,040 --> 00:23:37,520 Speaker 5: but my family. Yeah, and fortunately for us the business 559 00:23:37,560 --> 00:23:40,639 Speaker 5: that retrenched my father. Part of that was that we 560 00:23:40,640 --> 00:23:44,280 Speaker 5: were able to keep the corporate private health insurance. Oh incredible, 561 00:23:44,359 --> 00:23:46,960 Speaker 5: oh money when yeah, absolutely, the fact that he was 562 00:23:46,960 --> 00:23:50,040 Speaker 5: able to negotiate that into the process. There were a 563 00:23:50,080 --> 00:23:54,960 Speaker 5: few kind of out of pocket expenses afterwards, because I 564 00:23:55,000 --> 00:23:57,680 Speaker 5: had some complications after my surgery that required a bit 565 00:23:57,720 --> 00:24:02,239 Speaker 5: more time and kind of accommodations to be made in 566 00:24:02,240 --> 00:24:05,320 Speaker 5: my house. So they all came out of pocket, which 567 00:24:05,320 --> 00:24:08,320 Speaker 5: my parents not like reminded me of in a sense 568 00:24:08,400 --> 00:24:12,040 Speaker 5: that they blamed me for it. But it was like 569 00:24:12,720 --> 00:24:15,000 Speaker 5: money's tight at the moment because we have to afford 570 00:24:15,080 --> 00:24:17,920 Speaker 5: you know, disappointment that's coming up in this new bed 571 00:24:18,000 --> 00:24:18,320 Speaker 5: for you. 572 00:24:18,560 --> 00:24:23,400 Speaker 2: And yeah, and it's like really nice that they're being transparent, 573 00:24:23,600 --> 00:24:26,240 Speaker 2: but I think in those moments sometimes they don't realize 574 00:24:26,280 --> 00:24:27,720 Speaker 2: the impact of their words. 575 00:24:27,840 --> 00:24:30,520 Speaker 1: Like they weren't trying to make you feel guilt or. 576 00:24:30,440 --> 00:24:33,360 Speaker 2: Blame, but that's the way you took it because you're young, 577 00:24:33,400 --> 00:24:35,200 Speaker 2: and you go, well, that's why we can't do other 578 00:24:35,240 --> 00:24:35,760 Speaker 2: cool things. 579 00:24:35,800 --> 00:24:39,760 Speaker 5: It's me like it was things like, oh, well, normally 580 00:24:39,800 --> 00:24:43,119 Speaker 5: for our birthdays, we get to choose either what we 581 00:24:43,160 --> 00:24:45,000 Speaker 5: want or where we want to go for dinner if 582 00:24:45,040 --> 00:24:47,000 Speaker 5: we get to go out, And it was one of 583 00:24:47,040 --> 00:24:48,840 Speaker 5: those times that Mum was like, look, we can't go 584 00:24:48,960 --> 00:24:53,159 Speaker 5: out for birthday dinners because obviously that's more expensive than 585 00:24:53,240 --> 00:24:55,640 Speaker 5: cooking it home most of the time. And she would 586 00:24:55,680 --> 00:24:57,720 Speaker 5: say like, I'll still cook you whatever you want, but 587 00:24:57,800 --> 00:25:00,680 Speaker 5: we just can't because we've just had to pay for this. Yeah, 588 00:25:00,760 --> 00:25:03,480 Speaker 5: I ended up getting one of those like hospital beds, 589 00:25:03,480 --> 00:25:06,359 Speaker 5: you know that like sit up and fold down, so spenno. 590 00:25:06,840 --> 00:25:10,360 Speaker 5: So that was like they still provided for me. And 591 00:25:10,840 --> 00:25:13,240 Speaker 5: you know, like, I don't want to say that I'm 592 00:25:13,280 --> 00:25:14,880 Speaker 5: talking down about my parents at all. 593 00:25:15,400 --> 00:25:18,600 Speaker 2: Oh, you're absolutely not. I don't think anyone listening would 594 00:25:18,600 --> 00:25:21,399 Speaker 2: think that at all. It's like their circumstances were that 595 00:25:21,440 --> 00:25:23,679 Speaker 2: they were like, we've got this kid, We're looking after them, 596 00:25:23,720 --> 00:25:24,360 Speaker 2: We're giving. 597 00:25:24,160 --> 00:25:26,000 Speaker 1: Them all our resources. Kid. 598 00:25:26,040 --> 00:25:29,040 Speaker 2: Do you understand that that's why maybe in other areas 599 00:25:29,080 --> 00:25:31,000 Speaker 2: we're not able to do it. It wasn't because of 600 00:25:31,119 --> 00:25:33,560 Speaker 2: you or that they were doing the wrong thing, was 601 00:25:33,560 --> 00:25:36,280 Speaker 2: actually because they cared to share. Yeah, And I think 602 00:25:36,320 --> 00:25:37,480 Speaker 2: that's really important too. 603 00:25:37,720 --> 00:25:40,480 Speaker 5: Yeah, And I mean I think in hindsight, as much 604 00:25:40,520 --> 00:25:43,280 Speaker 5: as it was a big stressor for me, I didn't 605 00:25:43,280 --> 00:25:46,160 Speaker 5: want to take away from my parents, I then became 606 00:25:46,200 --> 00:25:48,080 Speaker 5: super mindful of what I was spending and what I 607 00:25:48,119 --> 00:25:50,800 Speaker 5: was asking for. Yeah, but I'm also glad they told me, 608 00:25:51,080 --> 00:25:57,240 Speaker 5: because otherwise I think I would have been confused. Yeah, confused, frustrated. 609 00:25:56,720 --> 00:25:59,520 Speaker 2: And the alternative to that potentially could have been you 610 00:25:59,720 --> 00:26:02,439 Speaker 2: feel guilty as though they were taking it off you 611 00:26:02,600 --> 00:26:06,440 Speaker 2: for another reason. If you hadn't comprehended why that was happening, 612 00:26:06,480 --> 00:26:08,760 Speaker 2: like oh, we had to buy a really expensive hospital bed, 613 00:26:08,800 --> 00:26:10,760 Speaker 2: you'd be like, yeah, did I do something wrong? Why 614 00:26:10,760 --> 00:26:13,040 Speaker 2: aren't we going out for birthday dinners? Like? Why have 615 00:26:13,119 --> 00:26:15,399 Speaker 2: we taken that away? So I think it's important for 616 00:26:15,440 --> 00:26:18,520 Speaker 2: you to understand context. But it's so interesting to see 617 00:26:18,560 --> 00:26:21,320 Speaker 2: how children interpret the world in that way and how 618 00:26:21,359 --> 00:26:23,600 Speaker 2: that impacts you now today in the way that you 619 00:26:23,680 --> 00:26:26,000 Speaker 2: have your money, habits and beliefs and values, and that 620 00:26:26,040 --> 00:26:28,119 Speaker 2: you haven't been spending a lot on yourself because you're like, 621 00:26:28,359 --> 00:26:30,440 Speaker 2: I need to make sure that I'm holding the money 622 00:26:30,440 --> 00:26:33,199 Speaker 2: that I have, which I totally understand. 623 00:26:33,520 --> 00:26:36,000 Speaker 5: Yeah, and I mean, I've always been told that I 624 00:26:36,040 --> 00:26:39,320 Speaker 5: will at some point need another surgery. So that's also 625 00:26:39,520 --> 00:26:41,520 Speaker 5: just like probably would have been when I was a kid, 626 00:26:41,560 --> 00:26:44,160 Speaker 5: that little voice in the back of my head being like, yeah, 627 00:26:44,280 --> 00:26:46,200 Speaker 5: make sure just in case something goes wrong again. 628 00:26:46,800 --> 00:26:50,080 Speaker 1: So yeah, Oh my gosh, that's so stressed. That's okay, 629 00:26:50,240 --> 00:26:51,320 Speaker 1: that makes a lot of sense. 630 00:26:51,440 --> 00:26:52,960 Speaker 4: And I know that there are a couple of other 631 00:26:53,000 --> 00:26:54,800 Speaker 4: things we want to ask you about from your story, 632 00:26:54,880 --> 00:26:57,520 Speaker 4: But one more thing for me, I relate to a 633 00:26:57,560 --> 00:26:59,000 Speaker 4: lot of things you said because I grew up in 634 00:26:59,000 --> 00:27:01,879 Speaker 4: a single income household, so I totally get that stress. 635 00:27:02,560 --> 00:27:06,280 Speaker 4: Have you spoken to your mum or your dad since 636 00:27:06,400 --> 00:27:09,200 Speaker 4: as an adult, because I think the thing that's really 637 00:27:09,240 --> 00:27:12,399 Speaker 4: interesting is like that Harry Potter book, for example, that 638 00:27:12,440 --> 00:27:15,720 Speaker 4: you still remember so dearly that she wasn't able to 639 00:27:15,760 --> 00:27:19,360 Speaker 4: get that for you. I would imagine that that incident 640 00:27:19,560 --> 00:27:22,439 Speaker 4: is probably burned into her brain as well. As a parent, 641 00:27:22,840 --> 00:27:25,080 Speaker 4: the guilt of not being able to provide for your 642 00:27:25,160 --> 00:27:27,720 Speaker 4: child something that they want, and something like a book 643 00:27:28,400 --> 00:27:31,879 Speaker 4: in the scheme of things, is a relatively affordable item 644 00:27:32,119 --> 00:27:34,720 Speaker 4: for most people, and it's a luxury, and that is 645 00:27:34,760 --> 00:27:36,600 Speaker 4: a very privileged thing that just came out of my 646 00:27:36,640 --> 00:27:39,640 Speaker 4: mouth to say, but a twenty dollars book, for example, 647 00:27:39,760 --> 00:27:42,080 Speaker 4: is more accessible than a five hundred dollars xbox or 648 00:27:42,080 --> 00:27:42,679 Speaker 4: something like that. 649 00:27:42,760 --> 00:27:45,120 Speaker 2: Totally jokes that you think in Xbox is only five 650 00:27:45,160 --> 00:27:47,440 Speaker 2: hundred dollars now, Okay. 651 00:27:48,320 --> 00:27:51,320 Speaker 4: But have you spoken to her or your dad since 652 00:27:51,359 --> 00:27:53,880 Speaker 4: then kind of reflected on how they felt as well, 653 00:27:54,000 --> 00:27:56,000 Speaker 4: or is this something you've kind of held a little 654 00:27:56,040 --> 00:27:57,280 Speaker 4: close to your chest. 655 00:27:57,200 --> 00:28:00,480 Speaker 5: A bit both. I've spoken to my parents about how 656 00:28:00,560 --> 00:28:04,720 Speaker 5: them talking about their finances affects my I guess level 657 00:28:04,760 --> 00:28:08,920 Speaker 5: of security, and about how even though I really appreciate 658 00:28:08,960 --> 00:28:12,879 Speaker 5: that they took care of me and my emotional and 659 00:28:12,920 --> 00:28:17,479 Speaker 5: my physical needs, I don't think that hearing about their 660 00:28:17,480 --> 00:28:20,919 Speaker 5: finances is the best for my mental health. Yeah, because 661 00:28:21,280 --> 00:28:24,160 Speaker 5: it is. It's like, I remember two fights that I've 662 00:28:24,160 --> 00:28:26,520 Speaker 5: had with my mother, and one of them is about 663 00:28:26,520 --> 00:28:28,760 Speaker 5: the Harry Potter book. The other is that she didn't 664 00:28:28,800 --> 00:28:31,399 Speaker 5: like the way I did my hair. Like they're the 665 00:28:31,440 --> 00:28:33,480 Speaker 5: two moments that I think about when I think about 666 00:28:33,680 --> 00:28:36,919 Speaker 5: fighting with my mom. Yeah, Okay, we're getting better at 667 00:28:36,960 --> 00:28:39,400 Speaker 5: it now. Like they're in a much better financial situation. 668 00:28:39,720 --> 00:28:43,160 Speaker 5: They're both stably full time employed, they've recently been able 669 00:28:43,160 --> 00:28:46,000 Speaker 5: to renovate their house, which is really exciting, So we're 670 00:28:46,000 --> 00:28:48,520 Speaker 5: talking more about that and about you know, how they 671 00:28:48,520 --> 00:28:51,640 Speaker 5: had to reconsolidate their loans and take out a new 672 00:28:51,680 --> 00:28:55,160 Speaker 5: mortgage for the renovation. And we're able to have those 673 00:28:55,200 --> 00:28:58,400 Speaker 5: conversations now, Yeah, but we don't really talk about the 674 00:28:58,440 --> 00:28:59,640 Speaker 5: before times or. 675 00:28:59,720 --> 00:29:01,760 Speaker 1: You know, yeah, the impact that it had on you 676 00:29:01,760 --> 00:29:02,480 Speaker 1: when you were younger. 677 00:29:02,640 --> 00:29:05,080 Speaker 2: Yeah, and I think that's fair, Like it's just a 678 00:29:05,120 --> 00:29:07,880 Speaker 2: place you don't need to go sometimes. 679 00:29:07,480 --> 00:29:10,440 Speaker 5: And like they know that I struggled with it, but 680 00:29:10,480 --> 00:29:12,560 Speaker 5: they were struggling with it too, and I think there's 681 00:29:12,560 --> 00:29:13,600 Speaker 5: a lot that I don't know. 682 00:29:13,880 --> 00:29:16,000 Speaker 1: Yeah, of course, of course, now there's a. 683 00:29:15,920 --> 00:29:18,520 Speaker 5: Lot to that story that they wouldn't have told me. 684 00:29:18,560 --> 00:29:23,000 Speaker 5: And I was the oldest of us kids. So yeah, 685 00:29:23,000 --> 00:29:25,280 Speaker 5: I think we've just both agreed that we'll just be 686 00:29:25,360 --> 00:29:28,240 Speaker 5: more mindful about how we talk about each other's financial 687 00:29:28,280 --> 00:29:30,040 Speaker 5: situation in the future. 688 00:29:30,400 --> 00:29:33,240 Speaker 2: I like that you can have that conversation with your parents, though. 689 00:29:33,280 --> 00:29:35,440 Speaker 2: How many people can say I've had an open, honest 690 00:29:35,520 --> 00:29:38,880 Speaker 2: conversation about the way I have money conversations in my family, 691 00:29:39,040 --> 00:29:40,240 Speaker 2: Like no one can say that. 692 00:29:40,240 --> 00:29:45,240 Speaker 1: That is so ELP I love that. Very very healthy, Yeah. 693 00:29:45,000 --> 00:29:50,360 Speaker 2: Very healthy knowing boundaries, understanding them and also just respecting them. 694 00:29:50,480 --> 00:29:52,640 Speaker 1: Like, what is that about? I love that. 695 00:29:53,120 --> 00:29:55,080 Speaker 4: So the other big thing I guess that you touched 696 00:29:55,120 --> 00:29:57,520 Speaker 4: on before money, dirist, is that you paid off your 697 00:29:57,560 --> 00:30:00,680 Speaker 4: car because you received a lump some payment following being 698 00:30:00,720 --> 00:30:04,400 Speaker 4: a victim of a crime, which really, disappointingly is more 699 00:30:04,440 --> 00:30:08,000 Speaker 4: common I think than people would maybe necessarily realize. So 700 00:30:08,040 --> 00:30:09,840 Speaker 4: I just wanted to chat with you a little bit, 701 00:30:09,880 --> 00:30:12,600 Speaker 4: and of course only share as much as little as 702 00:30:12,640 --> 00:30:16,840 Speaker 4: you're comfortable with, but just about what happened, how that 703 00:30:16,920 --> 00:30:19,360 Speaker 4: payment worked, and I'd love to know how you felt 704 00:30:19,400 --> 00:30:21,560 Speaker 4: about that as well, because I think that's a really 705 00:30:21,720 --> 00:30:25,520 Speaker 4: unique way to receive money that potentially could be tied 706 00:30:25,560 --> 00:30:27,880 Speaker 4: to some icky feelings for you which would have been 707 00:30:27,880 --> 00:30:28,600 Speaker 4: hard to handle. 708 00:30:28,960 --> 00:30:34,000 Speaker 5: Yeah. So, while I was on placement as a student nurse, 709 00:30:34,280 --> 00:30:38,000 Speaker 5: I went out with some friends one night and was 710 00:30:38,240 --> 00:30:42,160 Speaker 5: a I am a survivor of sexual assault, which happened 711 00:30:42,200 --> 00:30:46,280 Speaker 5: when I was out that night, And part of that 712 00:30:46,440 --> 00:30:50,480 Speaker 5: process when you are sexually assaulted is you can get 713 00:30:50,520 --> 00:30:54,840 Speaker 5: referred to a sexual assault support service, which is based 714 00:30:54,840 --> 00:30:59,560 Speaker 5: out of kind of the big metropolitan hospitals in the regions. 715 00:31:00,440 --> 00:31:03,200 Speaker 5: So I went and spoken to a counselor and had 716 00:31:03,240 --> 00:31:07,800 Speaker 5: a lot to work through, understandably, of course, but because 717 00:31:07,800 --> 00:31:10,840 Speaker 5: I was on placement, there was some talk about me 718 00:31:11,200 --> 00:31:14,520 Speaker 5: not finishing my degree because you have to make a 719 00:31:14,520 --> 00:31:17,920 Speaker 5: certain number of hours, and I was a bit stressed 720 00:31:18,160 --> 00:31:20,840 Speaker 5: and didn't really think that I was, of course in 721 00:31:20,840 --> 00:31:23,160 Speaker 5: the bestmental space to go and care for other people. 722 00:31:24,240 --> 00:31:26,760 Speaker 5: So the council that I was speaking to said, hey, 723 00:31:26,840 --> 00:31:30,360 Speaker 5: there's this way that you can apply for. I don't 724 00:31:30,360 --> 00:31:32,240 Speaker 5: really know exactly what they called it, but it's like 725 00:31:32,280 --> 00:31:36,600 Speaker 5: a hardship fund where you write in and you say, 726 00:31:36,680 --> 00:31:39,080 Speaker 5: I have been a victim of a crime. This is 727 00:31:39,120 --> 00:31:41,760 Speaker 5: affecting my life. I would like some funds to help 728 00:31:41,800 --> 00:31:45,560 Speaker 5: support me. It's meant to cover all sorts of things, 729 00:31:45,560 --> 00:31:48,240 Speaker 5: so like going to and from your counseling appointments, if 730 00:31:48,280 --> 00:31:49,760 Speaker 5: you have to go to court and park at the 731 00:31:49,760 --> 00:31:53,920 Speaker 5: courthouse and that's expensive, or just like to live your 732 00:31:53,920 --> 00:31:58,280 Speaker 5: life still, you know, yeah, because it can have a 733 00:31:58,320 --> 00:32:03,680 Speaker 5: big impact on you. Fortunately, the assailants in my crime 734 00:32:03,920 --> 00:32:07,720 Speaker 5: pled guilty, so I didn't have to go to court 735 00:32:07,760 --> 00:32:09,240 Speaker 5: and testify, which. 736 00:32:09,040 --> 00:32:13,360 Speaker 2: Is wow, great, that's so rare, Like I am so 737 00:32:13,440 --> 00:32:16,800 Speaker 2: happy that that was the situation for you, But for 738 00:32:16,840 --> 00:32:18,560 Speaker 2: a lot of people who are like, oh, I was 739 00:32:18,600 --> 00:32:21,280 Speaker 2: in that situation, for them to plead guilty and actually 740 00:32:21,320 --> 00:32:25,400 Speaker 2: get to the stage of court like that is so rare. 741 00:32:25,560 --> 00:32:28,520 Speaker 5: Yeah, And I mean, I'm going to say I was fortunate, 742 00:32:28,600 --> 00:32:29,440 Speaker 5: but that's probably not. 743 00:32:29,480 --> 00:32:32,320 Speaker 1: The You're not fortunate. We won't be using that word, 744 00:32:32,400 --> 00:32:32,880 Speaker 1: my friend. 745 00:32:33,160 --> 00:32:35,720 Speaker 5: No, But I was fortunate that the crime was on tape, 746 00:32:36,160 --> 00:32:39,400 Speaker 5: so it was caught by so there was no ifs 747 00:32:39,480 --> 00:32:41,480 Speaker 5: ands or butts about it. The only thing I had 748 00:32:41,520 --> 00:32:45,240 Speaker 5: to do was identify the people involved. 749 00:32:44,880 --> 00:32:47,480 Speaker 1: Who it was, and then deal with the trauma that 750 00:32:47,600 --> 00:32:48,160 Speaker 1: your experience. 751 00:32:48,160 --> 00:32:50,680 Speaker 4: Because you said before that that money is there for 752 00:32:50,760 --> 00:32:52,840 Speaker 4: what you need it, and I'm really glad that that 753 00:32:52,960 --> 00:32:56,600 Speaker 4: fund didn't have any I guess caveats and what you 754 00:32:56,600 --> 00:32:59,520 Speaker 4: could use it for, because when you're a victim of 755 00:32:59,560 --> 00:33:02,200 Speaker 4: something like that, or when you're involved in any kind 756 00:33:02,240 --> 00:33:06,160 Speaker 4: of personal tragedy, I think people who haven't experienced it 757 00:33:06,280 --> 00:33:09,320 Speaker 4: might underestimate the impact that that could have on your 758 00:33:09,320 --> 00:33:10,360 Speaker 4: ability to just do. 759 00:33:10,560 --> 00:33:12,280 Speaker 1: Simple day to day things. 760 00:33:13,000 --> 00:33:16,320 Speaker 4: And it's a big ask for someone to experience something 761 00:33:16,400 --> 00:33:18,000 Speaker 4: like that and then just go back to work or 762 00:33:18,120 --> 00:33:18,840 Speaker 4: go back to UNI. 763 00:33:18,960 --> 00:33:21,440 Speaker 5: Like, Yeah, at the time, I worked at as what 764 00:33:21,480 --> 00:33:23,720 Speaker 5: we call an assistant in nursing, So it's like you're 765 00:33:23,720 --> 00:33:26,240 Speaker 5: not registered, but you go and you do like the 766 00:33:26,280 --> 00:33:29,040 Speaker 5: bed baths and you keep patients company and you know, 767 00:33:29,080 --> 00:33:31,719 Speaker 5: help out with mobilization and stuff like that. Yeah, but 768 00:33:31,800 --> 00:33:32,880 Speaker 5: I wasn't in the right head. 769 00:33:32,720 --> 00:33:34,360 Speaker 1: Space to go, absolutely not. 770 00:33:34,560 --> 00:33:37,440 Speaker 5: So some of that money went towards kind of covering 771 00:33:37,440 --> 00:33:40,880 Speaker 5: my bills and things like that, the therapy that I 772 00:33:40,920 --> 00:33:43,800 Speaker 5: was going to as well. When I did feel better 773 00:33:43,840 --> 00:33:46,160 Speaker 5: to go back and finish that placement, it was a 774 00:33:46,320 --> 00:33:48,760 Speaker 5: rural and remote placement, so I used the money to 775 00:33:49,480 --> 00:33:51,280 Speaker 5: pay for a single accommodation. 776 00:33:51,560 --> 00:33:52,120 Speaker 1: Oh good. 777 00:33:52,440 --> 00:33:54,520 Speaker 5: The time that I went, I was staying in a 778 00:33:54,560 --> 00:33:59,480 Speaker 5: hostel and that kind of crowded culture wasn't something that 779 00:33:59,520 --> 00:34:01,880 Speaker 5: I was quite ready for after the assault. 780 00:34:02,240 --> 00:34:03,200 Speaker 1: No, absolutely not. 781 00:34:03,760 --> 00:34:05,480 Speaker 5: So I paid for a hotel room with the money, 782 00:34:05,520 --> 00:34:07,960 Speaker 5: and then yeah, what I had left over, I went, 783 00:34:08,120 --> 00:34:10,640 Speaker 5: what will make me less stressed right now? No debt, 784 00:34:10,719 --> 00:34:13,600 Speaker 5: Yeah exactly, So I could use all my mental energy 785 00:34:13,640 --> 00:34:19,359 Speaker 5: on kind of working through that event and getting back 786 00:34:19,400 --> 00:34:22,919 Speaker 5: to graduating, and my life after that was all over. 787 00:34:23,160 --> 00:34:24,399 Speaker 1: Back to where it should have been. 788 00:34:24,520 --> 00:34:28,480 Speaker 4: Yeah, exactly, what incredible clarity from you in that moment 789 00:34:28,520 --> 00:34:30,239 Speaker 4: to be able to step back and say, this is 790 00:34:30,239 --> 00:34:32,359 Speaker 4: what I need right now and that's okay. You are 791 00:34:33,160 --> 00:34:37,160 Speaker 4: incredibly impressive and so strong, and thank you for sharing 792 00:34:37,200 --> 00:34:39,319 Speaker 4: that with us, Like that's a big thing to share. 793 00:34:39,440 --> 00:34:42,160 Speaker 4: And I'm so grateful that you were really candid with 794 00:34:42,239 --> 00:34:45,560 Speaker 4: us in our community because we know the statistics say 795 00:34:45,960 --> 00:34:48,920 Speaker 4: it's so much more common than it ever should be, 796 00:34:48,960 --> 00:34:51,919 Speaker 4: and it's really really appalling. So I have no doubt 797 00:34:51,920 --> 00:34:55,040 Speaker 4: that there will be people listening to this relating to it, 798 00:34:55,120 --> 00:34:56,480 Speaker 4: as much as I wish that they weren't. 799 00:34:56,600 --> 00:34:59,279 Speaker 5: Yeah, I mean they talk about the percentage and the 800 00:34:59,280 --> 00:35:01,239 Speaker 5: people that go through this, and you don't really want 801 00:35:01,280 --> 00:35:03,440 Speaker 5: to be part of the percent but at least you 802 00:35:03,480 --> 00:35:06,200 Speaker 5: know that our country has a lot of free and 803 00:35:06,400 --> 00:35:10,359 Speaker 5: financial support for victims that have gone through these sort 804 00:35:10,400 --> 00:35:12,480 Speaker 5: of things, and some of the therapy was free. So 805 00:35:12,560 --> 00:35:14,680 Speaker 5: I guess to anyone that's listening and that has gone 806 00:35:14,719 --> 00:35:18,040 Speaker 5: through that and is struggling to access mental health care, 807 00:35:18,520 --> 00:35:19,840 Speaker 5: it could be something to look into. 808 00:35:20,080 --> 00:35:22,200 Speaker 4: And we'll definitely pop some resources in the show notes 809 00:35:22,239 --> 00:35:24,400 Speaker 4: for anybody who needs to access that for themselves or 810 00:35:24,400 --> 00:35:25,439 Speaker 4: for somebody that they love. 811 00:35:25,680 --> 00:35:29,480 Speaker 2: Absolutely, thank you for sharing that. Unfortunately, I do think 812 00:35:29,520 --> 00:35:32,279 Speaker 2: that that is all we have time for today, So 813 00:35:32,440 --> 00:35:35,080 Speaker 2: thank you for taking the time and yeah, hanging out 814 00:35:35,080 --> 00:35:37,919 Speaker 2: with us and sharing some really intimate details about your 815 00:35:37,960 --> 00:35:41,000 Speaker 2: life and your finances and your history and how you've 816 00:35:41,000 --> 00:35:43,120 Speaker 2: gotten to be where you are today. I know our 817 00:35:43,160 --> 00:35:45,480 Speaker 2: community absolutely appreciates it. 818 00:35:45,600 --> 00:35:46,440 Speaker 5: Thank you for having me. 819 00:35:48,280 --> 00:35:50,080 Speaker 4: If I shared on She's on the Money is generally 820 00:35:50,160 --> 00:35:53,000 Speaker 4: nature and does not consider your individual circumstances. She's on 821 00:35:53,040 --> 00:35:55,600 Speaker 4: the Money exists purely for educational purposes and should not 822 00:35:55,600 --> 00:35:58,160 Speaker 4: be relied upon to make an investment or a financial decision. 823 00:35:58,360 --> 00:36:01,680 Speaker 4: And we promise Victoria Divine isn't authorized representative of Infocused 824 00:36:01,680 --> 00:36:04,640 Speaker 4: Securities Australia Proprietary Limited A b N four seven oh 825 00:36:04,719 --> 00:36:06,960 Speaker 4: nine seven seven nine seven O four nine a F 826 00:36:07,000 --> 00:36:14,239 Speaker 4: s L two three six five two three