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Speaker 1: She's on the Money. She's on the Money.

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Speaker 2: Hello, and welcome to She's on the Money, the podcast

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Speaker 2: for millennials who want financial freedom. Welcome back to another

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Speaker 2: one of our Friday Drinks episodes where we celebrate the

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Speaker 2: money wins from our community. Each and every single week.

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Speaker 2: There are always so many great money wins and stories

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Speaker 2: in our community, and this is our time to share

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Speaker 2: them and have a chat about them and also catch

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Speaker 2: up on what's been going on with the team for

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Speaker 2: the week. So let's jump straight into it, Tony Lodge.

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Speaker 2: That's what happened on Money Diaries this week.

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Speaker 3: So this week was a bit of a different vibe

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Speaker 3: for our Money Diaries. Often we hear stories about what

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Speaker 3: people have been through and how they've come out on

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Speaker 3: the other side and how they're doing amazing now and

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Speaker 3: all of that. You kind of hear the happy end

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Speaker 3: of the stories. And this week we chatted to someone

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Speaker 3: who is like dead in the middle of her story.

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Speaker 3: So she she had a business and it was thriving,

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Speaker 3: but she found out she wasn't paying tax, she wasn't

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Speaker 3: paying super so she got a massive tax bill and

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Speaker 3: all these things that she didn't really know about because

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Speaker 3: there's no manual to be this is how you start

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Speaker 3: a small business unless you listen to the business Bible.

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Speaker 2: Yeah, nobody is ever going to have these issues ever again, obviously.

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Speaker 3: But she's twenty seven, She's got like fifty dollars and

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Speaker 3: that's it. She's kind of like restarting her professional life.

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Speaker 2: But how positive was she. She was honestly one of

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Speaker 2: the best money diarists because she was like, nah, but

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Speaker 2: I've learned so much and I am taking it all

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Speaker 2: with in Mestode, still in debt, still paying it.

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Speaker 3: Off, but better things are coming.

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Speaker 2: Yeah, Like imagine going through all of that and still

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Speaker 2: being arguably what people would say is in the midst

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Speaker 2: of it, still being like yep, but better things are coming,

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Speaker 2: and I've got my stuff sorted out, I have a

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Speaker 2: plan and i can see the light at the end

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Speaker 2: of the tunnel. It was just I loved it and

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Speaker 2: I loved her, and I just felt like she was

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Speaker 2: one of our people, Tony.

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Speaker 3: And at the end, I said, oh, do you think

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Speaker 3: you'd ever go back into business? And she said, yeah,

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Speaker 3: I think I would. You know, And you don't You

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Speaker 3: don't hear that a lot, you know, kind of yeah,

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Speaker 3: you get exactly you get burned when you do something

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Speaker 3: and then you're like, well, I'm not gonna try That

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Speaker 3: went terribly, but yeah, she was super positive. So and

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Speaker 3: in the show, not as I actually put, Prepare to

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Speaker 3: be empowered. And it's so true because if you haven't

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Speaker 3: listened to it, go back and listen to it.

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Speaker 2: I really really loved it. Jess. This week's Deep Dive,

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Speaker 2: I heard her a bit of a different feature had

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Speaker 2: me it did? Have you? What did we talk about

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Speaker 2: this week?

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Speaker 4: So we had a really interesting chat about the psychology

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Speaker 4: behind saving and spending because obviously, Victoria, you have your

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Speaker 4: degrees after you in psychology, so I think you're kind

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Speaker 4: of uniquely positioned to comment on that because you kind

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Speaker 4: of bridge the two worlds between finance and psychology, and

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Speaker 4: psychology impacts so much of what we do that we

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Speaker 4: maybe don't realize. Marketing is so strategic and clever. And

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Speaker 4: we spoke about the different personality types when it comes

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Speaker 4: to your money, and that.

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Speaker 2: We feel like we might have got a bit off track.

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Speaker 5: Is that why the whole team had to do the

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Speaker 5: Myers Briggs test?

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Speaker 2: Yeah? And do you know what is actually really interesting?

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Speaker 2: Jess and I went on such a tangent, and halfway

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Speaker 2: through recording that podcast, I was like, hold up, hold up,

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Speaker 2: I just want to google this properly and like look

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Speaker 2: into what the different things are so that I fully

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Speaker 2: understand it, because I know exactly what I am. In fact,

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Speaker 2: I don't just know what I think. I think I'm

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Speaker 2: still certified in being able to analyze the NB.

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Speaker 3: Yeah, well that's what you get when you have all

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Speaker 3: those degrees.

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Speaker 5: I love how you've got a certification. And we just

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Speaker 5: did a BuzzFeed quiz.

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Speaker 2: Yeah, no, no, no, I can present the results to other people.

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Speaker 3: And I just got a free email.

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Speaker 2: Yeah, and if you want to do that and get

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Speaker 2: your free email, we actually put the link for you

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Speaker 2: to get your free email and MBT in the show

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Speaker 2: of the Wednesday episode. But Jess and I literally went

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Speaker 2: on a tangent and we found it so interesting because

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Speaker 2: it turns out we have exactly the same personality type.

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Speaker 2: So historically when I've done it, I know that I'm

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Speaker 2: an IRONFJ And then Jess was like, wait, hold on,

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Speaker 2: let me go into my emails and look it up,

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Speaker 2: and it turns out Jess is exactly the same, and

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Speaker 2: so we put the link in the slack chat of

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Speaker 2: our team, which is just like our team group chat,

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Speaker 2: I would say, And we've been learning a whole heap

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Speaker 2: this week just about what personalities we have and what

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Speaker 2: personality Tony is. And I think we all understood that

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Speaker 2: that was your personality. And I can't remember what you got,

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Speaker 2: but I was like, oh that makes sense.

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Speaker 3: I'm an EESFJ.

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Speaker 2: Yeah that's a sense.

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Speaker 4: That was like, you are absolutely extroverted, that's for sure.

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Speaker 3: Thank you.

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Speaker 2: Yeah, yeah, she's our extroverted friend. And then we got

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Speaker 2: Ryan's and I wasn't surprised when his came back with

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Speaker 2: introverted at the start, because you're good at putting on

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Speaker 2: a show, Ryan, But I think you like hanging out

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Speaker 2: with your dog, is that right?

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Speaker 6: Yeah? Yeah. Humans take energy from me. I get my

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Speaker 6: energy from my alone time. I don't like people. It's

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Speaker 6: just like that's where my.

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Speaker 2: Energy is the same as me, Like, I obviously adore people,

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Speaker 2: but I also love my own time and that's where

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Speaker 2: I get my energy.

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Speaker 5: Yeah, don't get me wrong. I do hate a lot

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Speaker 5: of people.

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Speaker 2: All right, But it's all about understanding yourself and what

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Speaker 2: you're willing to take on and what you can actually tolerate,

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Speaker 2: and I guess to loop back to making this about money,

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Speaker 2: because it turns out this podcast is called She's on

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Speaker 2: the Money. It's all about understanding how you make decisions

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Speaker 2: around money and where that actually stems from. And we

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Speaker 2: discussed just the different money personality types and how you

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Speaker 2: would relate to that. And that's how we got off

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Speaker 2: track to MBTI because at the end of the day, like,

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Speaker 2: it's really interesting learning about yourself. I think a lot

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Speaker 2: of people if you listen to the podcast and see

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Speaker 2: me on social media, you would immediately think I'm extroverted,

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Speaker 2: because I'm good at being extroverted. I'm good at putting

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Speaker 2: myself out there. But the people that are closest to

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Speaker 2: me know that at the end of the day, you

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Speaker 2: need to I'm done by yourself. Yeah, I'm done. I'm

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Speaker 2: going home. I'm probably the first person to tap out.

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Speaker 2: When we go out for dinner. I'll be like, yep, cool,

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Speaker 2: well that's nine thirty. That's me. I'm going home to

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Speaker 2: my fluffy socks and my dog in a cup of tea.

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Speaker 6: That's actually why they say partying, Like when people talk

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Speaker 6: about partying with Victoria, they call the little ray of

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Speaker 6: sunshine is because you'll never see her out after eight

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Speaker 6: o'clock at night.

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Speaker 2: Oh, that's really mean about daylight.

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Speaker 3: Samings nine o'clock. Speaking of still having fun after the

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Speaker 3: sun goes down, we're drinking while.

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Speaker 2: We are and this week I'm actually really impressed with

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Speaker 2: the drink. And Tony, do you want to introduce it?

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Speaker 3: So it's a twenty third Street Distillery gin and tonic.

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Speaker 3: No sugar, thank you very much, because Tonic is like

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Speaker 3: a hidden sugar demon.

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Speaker 2: Sugar, Yeah it doesn't.

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Speaker 3: So hidden sugar demon. I don't know what that means.

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Speaker 2: But it is twenty third Street Distillery, not hidden sugar demon.

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Speaker 3: I think this is the best drink we've had in age.

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Speaker 6: It also says it has a calculated hint of sweetness.

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Speaker 6: No sugar, but a calculated hint of sweetness.

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Speaker 2: What does that mean?

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Speaker 4: I don't know, but I like it.

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Speaker 2: Yeah, I really like it. But in saying that, I

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Speaker 2: already knew I was gonna like it because I do

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Speaker 2: really like the twin Can Street. Oh, by the way,

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Speaker 2: the cat, but also like their gin. And the other day,

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Speaker 2: if you follow me on Instagram, you would have seen

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Speaker 2: me make a gluten free dairy free version of Gigi

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Speaker 2: her Did's vodka pasta with their vodka. Oh, I sound

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Speaker 2: like an ad, Yeah you do. I paid for this,

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Speaker 2: I've never even spoken. I'd welcome it with open arms. Absolutely.

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Speaker 2: If you want to slide into my DM's twenty third

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Speaker 2: Street distillery, I'll talk to you. But till then, I'll

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Speaker 2: keep making my vod CA pasta ten out of ten.

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Speaker 2: By the way, all right, enough about Gin, More about Win.

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Speaker 2: Did you hear Ryan John? What money Winter have we

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Speaker 2: got from the community?

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Speaker 5: First of all?

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Speaker 6: And get ready to cheer and cry. This stuff really

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Speaker 6: gets to me. Maybe that music is not appropriate for this,

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Speaker 6: Onne Sandy says, money win Hi. Sandy booked in an

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Speaker 6: IVF procedure and was asked to do a HSG test

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Speaker 6: before proceeding.

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Speaker 5: It costs five hundred dollars.

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Speaker 6: Yeah, and as a lot of people may know or

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Speaker 6: may not know, IVF as a.

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Speaker 5: Whole, it's really expensive.

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Speaker 6: Yeah, she said, I paid the five hundred dollars, but

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Speaker 6: I don't need to pay any more money because we

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Speaker 6: got pregnant naturally.

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Speaker 3: Congratulations.

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Speaker 2: Can you imagine being like, all right, we're going to

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Speaker 2: go through this really expensive, really arduous process like IVF

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Speaker 2: is a big decision.

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Speaker 3: To emotionally tings not.

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Speaker 2: Even know you're pregnant.

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Speaker 3: But that's really really exciting, Sandy, congratulations, she's on the baby.

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Speaker 5: She's on the baby.

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Speaker 4: Baby co me soon.

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Speaker 6: Jennifer says, I worked at the night shift over the

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Speaker 6: public holidays in Western Australia over the last fortnight and

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Speaker 6: scored some major penalty rates day. I earned five hundred

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Speaker 6: dollars extra after tax and then went straight into my

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Speaker 6: commseck account and straight towards more.

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Speaker 3: She yay, love that great job.

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Speaker 5: Now.

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Speaker 6: Emily joined Amazon Prime for a free thirty day trial.

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Speaker 4: I love Prime.

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Speaker 6: Yeah.

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Speaker 2: Now Jesse is literally the Prime Queen.

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Speaker 6: So you'll over Prime day Amazon Prime.

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Speaker 2: How many packages have arrived at our office, Jessica, stay

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Speaker 2: tuned for that a little later in the show.

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Speaker 6: Well, because it's free shipping for members, Emily thought, if

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Speaker 6: I get the free trial during Prime days, I can

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Speaker 6: get all the sales, get the free shipping. But it's

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Speaker 6: not She's not done just yet. I found that She's

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Speaker 6: on the Money book for just nineteen dollars on Amazon,

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Speaker 6: and I received a fifteen dollar voucher from Amazon because

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Speaker 6: it was my first order, which means the book cost

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Speaker 6: me just four dollars with free shipping.

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Speaker 2: I'm really excited about that.

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Speaker 6: Money went for Emily, money lost for Victoria.

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Speaker 2: I'm about that. But also I launched my book last

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Speaker 2: week and it's already discounted. Like I get the point.

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Speaker 5: We need to move this thing. I got this I

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Speaker 5: speaking of the new book.

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Speaker 4: Oh my gosh.

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Speaker 6: Yes.

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Speaker 4: We had our event last night that was so much fun.

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Speaker 4: We had to pull something together really quickly because we

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Speaker 4: had all these grand plans. We wanted to do this

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Speaker 4: amazing event, which we will still do on the download.

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Speaker 4: We're just waiting because you know Covid and Melbourney, it

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Speaker 4: won't be.

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Speaker 2: Called the book launch though, we'll find some other reason

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Speaker 2: to have as she's on the money party. Absolutely, and

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Speaker 2: we did not do that much planning for it to

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Speaker 2: just all go in the binn.

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Speaker 4: Absolutely not. But you know who did do a lot

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Speaker 4: of planning our friends at U Bank. They actually helped

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Speaker 4: us bring the event to life, which was amazing and

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Speaker 4: I just want to say thank you so much to

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Speaker 4: them because we gave them pretty much no notice and

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Speaker 4: they were like, nope, okay, great, what can we do?

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Speaker 4: How can we do it?

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Speaker 2: And we want to make so sweet. They've bent over backwards.

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Speaker 2: But obviously, you guys know that we've never worked with

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Speaker 2: U Bank before except Ryan and I once did videos

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Speaker 2: for U Bank for their hot dollars campaign and it

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Speaker 2: was actually I love yeah, and my gosh, it was

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Speaker 2: so much fun doing and I remember when they reached

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Speaker 2: out and I was just super stoked because I was like, yeah,

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Speaker 2: I will do a hot sauce money finance video. Like

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Speaker 2: I was sold before we even got there anyway. Through that,

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Speaker 2: one thing led to another, and I actually got to

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Speaker 2: become friends with their CEO, Philipart. They've got this is

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Speaker 2: She's on the money. Like, how cool is it that

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Speaker 2: we're now, you know, being able to work with the

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Speaker 2: bank that has a female CEO and she's just like

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Speaker 2: this ultimate boss woman that just she runs an entire bank.

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Speaker 2: Guys like I just think it's so cool and just

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Speaker 2: so inspiring, and I am really grateful that when I

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Speaker 2: was like, hey, guys, like, are you planning on putting

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Speaker 2: this song because obviously with COVID, our actual event has

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Speaker 2: been canned, and they're like, yep, we'll make it happen,

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Speaker 2: no problems, And they literally worked over the weekend to

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Speaker 2: make sure that everything was good to go by this week,

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Speaker 2: which was really sweet.

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Speaker 4: And the event was so much fun as well. Thank

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Speaker 4: you to everyone who attended. We had a great time

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Speaker 4: and it wasn't maybe quite as good as an in

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Speaker 4: person event, but it was pretty freaking close.

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Speaker 2: It was very close.

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Speaker 4: Yeah, thank you so much.

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Speaker 5: Was there a DJ who played the saxophone?

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Speaker 2: There wasn't.

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Speaker 5: Well, it wasn't as good as the real one.

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Speaker 2: Okay, sorry, oh spoil USAKA Jess and I. All right,

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Speaker 2: just to talk about the event that was gonna happen.

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Speaker 2: We obviously could not announce it because the week that

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Speaker 2: we had planned this massive announcement and roll out of

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Speaker 2: what was going on COVID. Need we say more? But

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Speaker 2: Jess and I had booked like Peach Fairy Floss in

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Speaker 2: this like DJ that had a saxophone, Like we was

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Speaker 2: gonna be a lot of fun.

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Speaker 4: We went in on this party and we had plans

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Speaker 4: for all of these fun goodie bags, and some of

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Speaker 4: our favorite favorite brands have sent us amazing things.

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Speaker 2: So and now we just have boxes of these favorite

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Speaker 2: things and we're like, we will use them. We promise

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Speaker 2: they will get to our audio.

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Speaker 4: They're coming, So I guess keep an eye out, stay tuned.

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Speaker 4: We have no idea when that's gonna happen, but.

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Speaker 2: Hopefully, but we're talking about it, right And I did

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Speaker 2: pitch the idea that instead of just having one Melbourne event,

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Speaker 2: we do a series of events around Australia. If COVID

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Speaker 2: lets us do something like that. She's on the road trip,

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Speaker 2: she's on tour.

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Speaker 3: Oh no, I like she on the road, she's.

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Speaker 5: On the minivan. No, you guys aren't minivan travelers.

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Speaker 3: You're tour bus, private jet.

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Speaker 2: Please imagine if we got a tour bus and like,

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Speaker 2: paint do you paint? Did you wrap it?

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Speaker 3: I want to make I want those magnets that they

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Speaker 3: put on the side of a Domino's car.

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Speaker 2: It's like Victoria, that's probably all our budget.

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Speaker 6: All right, I've got another book related money in. EM says,

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Speaker 6: not my money win exactly, but I created a money

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Speaker 6: win for someone else. I left a copy of Victoria's

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Speaker 6: new book on the bench at work in the staff

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Speaker 6: room as an anonymous I left. She didn't like it.

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Speaker 3: She read it, left it in the staff room.

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Speaker 6: I said sorry, EM said, I left it with instructions

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Speaker 6: for them to pass it on to the next person

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Speaker 6: once they had finished. Follow up, Taylor said, oh, Taylor

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Speaker 6: must work with him. I found a book in the

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Speaker 6: work lunch and I picked it up this morning, thank

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Speaker 6: you very much. And then em replied to that it

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Speaker 6: was supposed to be an anonymous gift. And now I've

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Speaker 6: outed myself and I believe they both work at a Woolworth.

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Speaker 6: So I was in the staff room out the back

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Speaker 6: of a release.

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Speaker 4: That is so cool.

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Speaker 2: I love that, all right.

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Speaker 6: Lucy says, got quoted eight thousand dollars for dental work,

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Speaker 6: which is a lot.

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Speaker 3: That's so much money.

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Speaker 6: I paid fifty two dollars to get a second opinion.

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Speaker 6: You dentist solved my problems on the spot.

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Speaker 5: Money. We have seven one and forty eight dollars.

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Speaker 2: Wow, what she's.

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Speaker 6: Like, Oh, that sounds like a big deal. I might

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Speaker 6: just go get it double checked, like from another dentist

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Speaker 6: and another.

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Speaker 5: D's fifty dollars.

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Speaker 6: You don't need that surgery. I'll take care of that

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Speaker 6: for you right now. Yeah, eight thousand dollars surgery avoided.

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Speaker 3: Was it a man in the wools stuff checking that this.

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Speaker 6: Is all good.

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Speaker 5: And final? One?

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Speaker 6: Indiana says got thirty dollars worth of chicken for three dollars.

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Speaker 6: The other day, her friend Lucy replied, salmonella for free.

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Speaker 2: All right, So, Tony and Jess we've been talking this

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Speaker 2: week in the office a fair bit about some changes

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Speaker 2: that are going to be made to SUPER in the

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Speaker 2: next month, which I'm genuinely excited about because yay financial freedom.

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Speaker 2: But also I feel like we're not talking about it

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Speaker 2: publicly as much as we could. So as of the

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Speaker 2: first of July, our superanuation guarantee, which is the amount

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Speaker 2: of SUPER that our employer legally has to pay us,

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Speaker 2: is going to increase, which I'm so excited about because

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Speaker 2: over the next few years through to twenty twenty five,

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Speaker 2: the government is actually planning on taking our SUPER all

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Speaker 2: the way up to twelve percent instead.

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Speaker 4: I didn't realize it was going that high.

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Speaker 2: Yeah, so it's going up to twelve percent instead of

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Speaker 2: nine point five percent, which is obviously a very significant

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Speaker 2: increase to the amount of superannuation that you put aside,

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Speaker 2: and I think it's well over due, if I'm being honest,

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Speaker 2: because of inflation and literally everything else, and too many

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Speaker 2: times employers don't get their people pay rises in line

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Speaker 2: with CPI and indexation, and the fact that they actually

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Speaker 2: need to increase the amount of money that they have,

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Speaker 2: because you know, if we distill it down, the amount

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Speaker 2: of money that you need today is actually less than

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Speaker 2: what you would need in three years time, because you know,

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Speaker 2: a life of bread might be three dollars today, but

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Speaker 2: it will be three fifty in you know, three years time.

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Speaker 2: And that's what inflation actually means, Like it's inflating costs

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Speaker 2: over time and the rising price of goods and services,

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Speaker 2: which is absolutely fine and very normal. But I just

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Speaker 2: don't think we've ever kept up with that when it

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Speaker 2: comes to superannuation, because what was appropriate when SUPER became

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Speaker 2: mandated in nineteen ninety two is very different to what

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Speaker 2: needs to happen now, So it to me is well overdue.

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Speaker 2: But the conversation that's been happening in the office before

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Speaker 2: I get to techniques.

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Speaker 3: Because everyone like, hang on, what is she doing?

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Speaker 2: She was talking about her wins and confessions and community

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Speaker 2: and now I was just talking about super we did

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Speaker 2: not need. It's one of those conversations that I want

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Speaker 2: to have because this podcast is all about empowering you

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Speaker 2: to have better money conversations, and at the moment, there

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Speaker 2: is a money conversation that is going to impact everybody

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Speaker 2: who is employed at the moment getting paid superannuation that

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Speaker 2: we might not all be comfortable to have. And I

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Speaker 2: thought it was a good time on Friday drinks to

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Speaker 2: have avent with my team about how would you approach

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Speaker 2: this and how do we talk about this with our

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Speaker 2: employer and why are we going to do that? So

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Speaker 2: let me just talk for a second about why it's

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Speaker 2: really important for you to have a conversation with your

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Speaker 2: employer about how that change is going to impact you.

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Speaker 2: Because you might have thought great, like that's fabulous, where

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Speaker 2: is that money coming from? So if you have a

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Speaker 2: contract with an employer that you know your contract says

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Speaker 2: it includes super, there's a very high probability that that

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Speaker 2: increase in super. It's only zero point five percent right now,

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Speaker 2: but over the next few years it's going to creep

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Speaker 2: up to twelve percent. So that which is a lot,

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Speaker 2: which is a lot, is going to come out of

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Speaker 2: your take home salary. So if you are an employee

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Speaker 2: who is paid on an including super basis, might have

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Speaker 2: a rude shot coming for you in the first of

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Speaker 2: July if you haven't had a discussion with your employer

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Speaker 2: and you don't actually understand it because they could take

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Speaker 2: that money from your take home pay and just reallocate

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Speaker 2: it towards superannuation.

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Speaker 5: Legal.

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Speaker 2: Look, it is absolutely legal because that's a part of

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Speaker 2: your salary package. So for example, if I said, Ryan,

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Speaker 2: you're on a salary of seventy thousand dollars including SUPER,

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Speaker 2: very nice, very sexy, they might just reallocate what goes

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Speaker 2: towards SUPER so that they still meet that commitment. And

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Speaker 2: it's absolutely well within their rights to do that. But

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Speaker 2: I guess that comes into a moral conversation and an

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Speaker 2: actual logical conversation and are you doing the right thing

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Speaker 2: by your employees? And yeah, we've had a good conversation

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Speaker 2: this week, Tony, how do you feel about it?

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Speaker 3: So then would that, in that situation be my responsibility

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Speaker 3: to check in that they are doing the right thing,

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Speaker 3: because I mean, we talk about it all the time.

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Speaker 3: How intimidating it is to bring up Yeah, for sure,

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Speaker 3: So I'm supposed to go into my boss's office and

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Speaker 3: you say, oh, I actually think that you're supposed to

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Speaker 3: be paying me more. And if you're not forebottle on

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Speaker 3: these things, which most people aren't because we aren't talking

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Speaker 3: about it. It's a pretty terrifying thing to think about

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Speaker 3: asking for more money, even when it's not actually a

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Speaker 3: pay rise, just like I just want to make sure

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Speaker 3: that you're allocating my fees properly. So how do you

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Speaker 3: suggest that people tackle that? I mean, I know that's

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Speaker 3: probably a huge question, but what are we supposed to do?

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Speaker 2: And that's the conversation I wanted to have.

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Speaker 3: I've led you straight there, thank you, But it.

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Speaker 2: Is really hard to have that conversation because a lot

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Speaker 2: of us, as much as we have these great podcasts,

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Speaker 2: so I think they're great, a podcast about, you know,

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Speaker 2: talking to your employer about pay rises, like most of us,

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Speaker 2: to be honest, haven't done that. Most of us haven't

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Speaker 2: had that conversation and scary. Yeah, and for some of us,

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Speaker 2: our employers might have sent out a letter already this

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Speaker 2: June and just said, hey, guys, this is how the

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Speaker 2: changes are going to impact you. In which case you're educated,

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00:19:49,880 --> 00:19:51,960
Speaker 2: you know what's going on. You've probably been given the

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00:19:52,000 --> 00:19:54,800
Speaker 2: right contact details to have a conversation about that. But

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Speaker 2: if this is the first time you're hearing about that,

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Speaker 2: in my opinion as an employer, it's not good. I

442
00:20:00,840 --> 00:20:03,760
Speaker 2: am lucky that our team is small enough that I've

443
00:20:03,840 --> 00:20:06,320
Speaker 2: verbally mentioned it to you guys. I think you're across it.

444
00:20:06,480 --> 00:20:08,760
Speaker 2: You know, the decision that we've made is accepted by

445
00:20:08,760 --> 00:20:10,600
Speaker 2: the team. You guys are super happy with it. It's

446
00:20:10,640 --> 00:20:12,440
Speaker 2: all well and good, right, So I don't need to

447
00:20:12,480 --> 00:20:14,600
Speaker 2: send out a formal letter. But if you work in

448
00:20:14,640 --> 00:20:16,920
Speaker 2: like a big corporate, usually the best way for them

449
00:20:16,960 --> 00:20:20,000
Speaker 2: to communicate with you guys on a big level is

450
00:20:20,000 --> 00:20:21,720
Speaker 2: to send out a letter and be like, hey, here's this,

451
00:20:21,920 --> 00:20:24,879
Speaker 2: here's HIL's contact, here's the time. If you want to

452
00:20:24,920 --> 00:20:28,200
Speaker 2: have this conversation before any changes are made, you need

453
00:20:28,240 --> 00:20:31,760
Speaker 2: to be having that conversation with your employee now and going, hey, Jess,

454
00:20:31,960 --> 00:20:33,960
Speaker 2: I noticed that you said that you weren't going to

455
00:20:34,000 --> 00:20:35,760
Speaker 2: do that, But I really think that, you know, the

456
00:20:35,920 --> 00:20:38,800
Speaker 2: opposite should be happening, or vice versa, or whatever you

457
00:20:38,840 --> 00:20:42,199
Speaker 2: think is fair for your situation. And you know, not

458
00:20:42,359 --> 00:20:45,280
Speaker 2: every single business, especially small businesses, are going to be

459
00:20:45,280 --> 00:20:47,600
Speaker 2: in a position where, you know, budgets might be tight.

460
00:20:47,640 --> 00:20:50,639
Speaker 2: We've just gone through COVID, like we're still going through COVID,

461
00:20:50,680 --> 00:20:53,879
Speaker 2: and that could be actually quite challenging for small businesses

462
00:20:54,160 --> 00:20:56,320
Speaker 2: to come up with you know, it might only be

463
00:20:56,480 --> 00:20:59,879
Speaker 2: zero point five percent of their super contributions, but if

464
00:21:00,000 --> 00:21:01,960
Speaker 2: they are running it on the line and they are,

465
00:21:02,080 --> 00:21:03,200
Speaker 2: you know, down to.

466
00:21:03,240 --> 00:21:06,240
Speaker 3: Every dollar, especially at the moment, Yeah, that's.

467
00:21:06,200 --> 00:21:08,399
Speaker 2: Such a big change for a business to have to

468
00:21:08,480 --> 00:21:11,120
Speaker 2: make that. I think that as much as it might

469
00:21:11,160 --> 00:21:12,919
Speaker 2: be a big change and they might not have to

470
00:21:13,000 --> 00:21:15,040
Speaker 2: absorb it, because I'm kind of on the fence right Like,

471
00:21:15,080 --> 00:21:18,280
Speaker 2: I'm not saying give everyone a pay rise, nor negotiable

472
00:21:18,440 --> 00:21:21,159
Speaker 2: like you guys have got that, You're welcome. It was

473
00:21:21,200 --> 00:21:23,480
Speaker 2: something that I considered and I spoke to my bookkeeper

474
00:21:23,480 --> 00:21:25,320
Speaker 2: and I spoke to my accountant. It wasn't something that

475
00:21:25,400 --> 00:21:27,639
Speaker 2: I just said, Wow, we're made of money, let's do this.

476
00:21:28,080 --> 00:21:29,919
Speaker 2: It was more like, is this the right thing to do?

477
00:21:30,040 --> 00:21:31,640
Speaker 2: How do we do it? Like I considered it all

478
00:21:31,680 --> 00:21:34,080
Speaker 2: options and made a decision. But a lot of other

479
00:21:34,119 --> 00:21:36,680
Speaker 2: small businesses aren't in that situation. And I think that

480
00:21:36,680 --> 00:21:40,040
Speaker 2: that then comes down to communication. We're all adults. We

481
00:21:40,119 --> 00:21:42,879
Speaker 2: deserve to be spoken to like adults, and if our

482
00:21:42,920 --> 00:21:45,080
Speaker 2: business can't afford it, I think that they should just

483
00:21:45,080 --> 00:21:47,480
Speaker 2: be saying, hey, Tony, you know what this is changing,

484
00:21:47,680 --> 00:21:50,400
Speaker 2: we can't afford it. Here's why, and you'd probably be like, yeah,

485
00:21:50,440 --> 00:21:52,959
Speaker 2: no problems, Like I think it would be really challenging

486
00:21:53,040 --> 00:21:56,199
Speaker 2: to actually approach that, especially if you haven't spoken to

487
00:21:56,240 --> 00:21:59,080
Speaker 2: your boss or your manager about your salary before. Yeah,

488
00:21:59,080 --> 00:22:01,760
Speaker 2: because we've all been own into this position where something

489
00:22:01,880 --> 00:22:05,520
Speaker 2: is definitely changing. It could impact you regardless of what

490
00:22:05,560 --> 00:22:07,600
Speaker 2: your job role is. So if you're in a position

491
00:22:07,640 --> 00:22:09,280
Speaker 2: where like, well, vitue, I don't really care if it

492
00:22:09,280 --> 00:22:11,800
Speaker 2: comes out of my income or if it gets added, like,

493
00:22:12,560 --> 00:22:14,600
Speaker 2: I don't mind either way. They're great, good for you,

494
00:22:14,920 --> 00:22:17,560
Speaker 2: But some of us budget down to the very last cent,

495
00:22:17,880 --> 00:22:20,080
Speaker 2: and this is going to impact us, and we really

496
00:22:20,119 --> 00:22:22,600
Speaker 2: need to be aware of how to have that conversation.

497
00:22:22,760 --> 00:22:24,240
Speaker 5: If we work for a big company.

498
00:22:24,440 --> 00:22:27,840
Speaker 6: Yeah, is it every individual's job to speak to their

499
00:22:27,840 --> 00:22:30,080
Speaker 6: individual manager or is it more of you know, the

500
00:22:30,119 --> 00:22:32,280
Speaker 6: staff kind of getting together or speaking to their direct

501
00:22:32,280 --> 00:22:34,760
Speaker 6: manager and saying, hey, direct manager, can you speak to

502
00:22:34,840 --> 00:22:37,359
Speaker 6: your manager on behalf of the crew, because I'm guessing

503
00:22:37,400 --> 00:22:39,159
Speaker 6: it's not going to be a oh we'll give it

504
00:22:39,160 --> 00:22:40,960
Speaker 6: to those three people, but not those so it'll be

505
00:22:41,000 --> 00:22:43,600
Speaker 6: like a company decision, right, they're like a global change. Yeah,

506
00:22:43,600 --> 00:22:45,200
Speaker 6: But is there like channels to go through.

507
00:22:45,480 --> 00:22:47,320
Speaker 2: Look, there are channels to go through. I think it's

508
00:22:47,359 --> 00:22:50,080
Speaker 2: just talking to your direct manager. But I also know

509
00:22:50,200 --> 00:22:52,600
Speaker 2: that this is going to be a fickle conversation, and

510
00:22:52,640 --> 00:22:56,359
Speaker 2: to be honest, I am predicting some pretty nasty media

511
00:22:56,520 --> 00:22:59,800
Speaker 2: articles coming out about businesses who have decided not to

512
00:22:59,840 --> 00:23:03,520
Speaker 2: eat increase their employees' salaries and decide to just take

513
00:23:03,560 --> 00:23:04,040
Speaker 2: it from them.

514
00:23:04,200 --> 00:23:06,600
Speaker 6: If I found out they've taken job keeper and don't

515
00:23:06,640 --> 00:23:08,200
Speaker 6: pass on this, I'm going to be mad.

516
00:23:08,800 --> 00:23:10,200
Speaker 2: Yeah, that's a good point.

517
00:23:10,320 --> 00:23:11,480
Speaker 6: If you're in a BEG company and you go and

518
00:23:11,480 --> 00:23:13,840
Speaker 6: speak to your manager, they're in the same boat as you.

519
00:23:13,880 --> 00:23:15,920
Speaker 6: They also want it. It's not like they're the one

520
00:23:16,200 --> 00:23:18,600
Speaker 6: losing money to give to you. They're with you.

521
00:23:18,680 --> 00:23:20,920
Speaker 4: So and that's the hard thing. I think every business

522
00:23:20,920 --> 00:23:23,639
Speaker 4: structure is different, and so maybe it's worth when you

523
00:23:23,640 --> 00:23:26,840
Speaker 4: approach that conversation instead of going oh, i'd really like

524
00:23:26,880 --> 00:23:29,200
Speaker 4: a pay rise, saying hey, like, I want to talk

525
00:23:29,240 --> 00:23:31,960
Speaker 4: about the super contribution that's being made. I think that

526
00:23:32,000 --> 00:23:34,040
Speaker 4: it's justified, and i'd really like to talk to you

527
00:23:34,080 --> 00:23:37,800
Speaker 4: about ensuring that that gap is met by you rather

528
00:23:37,880 --> 00:23:41,440
Speaker 4: than by it being taken from from me. Yeah, exactly right.

529
00:23:41,400 --> 00:23:43,119
Speaker 2: Yeah, and I think that that is well within your

530
00:23:43,200 --> 00:23:45,480
Speaker 2: rights to have that conversation. I'm just going to bounce

531
00:23:45,520 --> 00:23:47,800
Speaker 2: back to what you were saying before, Ryan, like, you know,

532
00:23:47,880 --> 00:23:50,639
Speaker 2: do you talk to your fellow staff members about it?

533
00:23:51,040 --> 00:23:51,240
Speaker 4: Yes?

534
00:23:51,320 --> 00:23:53,679
Speaker 2: And no, like I think you should like. From my

535
00:23:53,760 --> 00:23:57,200
Speaker 2: personal perspective, absolutely, I'm a very big advocate of talking

536
00:23:57,200 --> 00:23:59,439
Speaker 2: about your salary and sharing it if you're comfortable to

537
00:23:59,480 --> 00:24:02,240
Speaker 2: do so. And I don't think that any employer should

538
00:24:02,280 --> 00:24:05,159
Speaker 2: ever be ashamed of the salary that they're paying someone

539
00:24:05,200 --> 00:24:07,240
Speaker 2: to the point where they would be mad if one

540
00:24:07,240 --> 00:24:09,120
Speaker 2: employee spoke to another about how they.

541
00:24:09,160 --> 00:24:09,600
Speaker 5: They do that.

542
00:24:10,000 --> 00:24:13,440
Speaker 2: I was going to makes they do contract because some people,

543
00:24:13,480 --> 00:24:17,840
Speaker 2: but speaking from me as a professional, some people have

544
00:24:18,080 --> 00:24:21,720
Speaker 2: in their contracts clauses to not discuss pay and salary

545
00:24:21,760 --> 00:24:24,280
Speaker 2: And I just want you to tread really lightly around

546
00:24:24,320 --> 00:24:27,119
Speaker 2: that because more recently I've spoken to someone in the

547
00:24:27,160 --> 00:24:30,240
Speaker 2: Shees on the Money community who has been told off

548
00:24:30,240 --> 00:24:33,240
Speaker 2: for talking about pays to one of their team members

549
00:24:33,480 --> 00:24:35,159
Speaker 2: and they thought they were doing the right thing, and

550
00:24:35,200 --> 00:24:39,720
Speaker 2: to be honest, they were, from my personal opinion, absolutely

551
00:24:39,720 --> 00:24:42,200
Speaker 2: well within their rights. Someone new started they were being

552
00:24:42,200 --> 00:24:44,520
Speaker 2: paid a whole heap more than what they were being paid.

553
00:24:44,640 --> 00:24:46,920
Speaker 2: They approached their manager about us for a pay rise

554
00:24:46,920 --> 00:24:48,879
Speaker 2: and they're like, oh no, like that's definitely not what

555
00:24:48,880 --> 00:24:51,240
Speaker 2: they're being paid. So they're going back and forth on

556
00:24:51,280 --> 00:24:54,080
Speaker 2: who's lying and not, and it just became an absolute mess.

557
00:24:54,280 --> 00:24:56,880
Speaker 2: So I think it's one of those things where personally,

558
00:24:56,920 --> 00:24:58,639
Speaker 2: of course they think you should be talking about it.

559
00:24:58,640 --> 00:25:01,879
Speaker 2: We should openly talk about my but check your contracts

560
00:25:01,880 --> 00:25:03,880
Speaker 2: if you're going to do this, so that you don't

561
00:25:03,960 --> 00:25:05,679
Speaker 2: end up in a pickle, because the last thing I

562
00:25:05,720 --> 00:25:07,640
Speaker 2: need is you listening to if she's on the Money

563
00:25:07,640 --> 00:25:10,400
Speaker 2: episode going I'm so empowered, like this is so right,

564
00:25:10,440 --> 00:25:14,040
Speaker 2: she's so correct, and then finding yourself in HR's office

565
00:25:14,160 --> 00:25:16,159
Speaker 2: because you weren't supposed to do that and I know

566
00:25:16,280 --> 00:25:18,000
Speaker 2: that that's not the world we should live in, and

567
00:25:18,040 --> 00:25:22,280
Speaker 2: it makes me so mad. But we need to disclaim it.

568
00:25:22,520 --> 00:25:23,679
Speaker 2: We need to tell you that.

569
00:25:23,640 --> 00:25:25,480
Speaker 5: Is that a clause that we should be crossing off

570
00:25:25,480 --> 00:25:26,719
Speaker 5: the contract before we sign it?

571
00:25:27,040 --> 00:25:28,720
Speaker 4: Oh I would I wouldn't sign a contract.

572
00:25:28,760 --> 00:25:30,840
Speaker 6: I would absolutely not, because I've worked at a place

573
00:25:30,920 --> 00:25:32,280
Speaker 6: where they said, oh, we don't do this and then

574
00:25:32,280 --> 00:25:34,920
Speaker 6: are rocked up and they clearly did, and they're just like, oh,

575
00:25:34,960 --> 00:25:36,480
Speaker 6: we hope the others didn't tell you about it.

576
00:25:36,600 --> 00:25:37,720
Speaker 4: Oh that's crazy.

577
00:25:37,920 --> 00:25:42,639
Speaker 3: Yeah, it just it breeds such a horrible culture of privacy.

578
00:25:42,680 --> 00:25:45,439
Speaker 3: And also, just like you said before, Victoria, if a

579
00:25:45,480 --> 00:25:48,040
Speaker 3: company is that embarrassed about what they're paying you that

580
00:25:48,040 --> 00:25:49,680
Speaker 3: they don't want you to talk to each other, then

581
00:25:49,720 --> 00:25:52,960
Speaker 3: it's probably a bigger problem than what you're really looking at.

582
00:25:53,040 --> 00:25:55,640
Speaker 4: If I saw that clause, my first immediate thought would be,

583
00:25:55,760 --> 00:25:56,680
Speaker 4: what are you trying to hide?

584
00:25:56,880 --> 00:25:58,200
Speaker 2: Yeah, exactly, exactly right.

585
00:25:58,359 --> 00:26:00,280
Speaker 4: Yeah, that shouldn't be there. If you've got nothing hard,

586
00:26:00,280 --> 00:26:01,200
Speaker 4: you shouldn't be preventing.

587
00:26:01,320 --> 00:26:05,200
Speaker 2: I honestly feel so bad for your future employers if

588
00:26:05,240 --> 00:26:11,359
Speaker 2: you ever get She's terrifying. She's so tough, gosh.

589
00:26:11,280 --> 00:26:14,160
Speaker 4: Like, oh, people are gonna think I'm mean. You're not mean.

590
00:26:14,480 --> 00:26:19,640
Speaker 3: You're just so assertive, so empowered by knowledge, And I'm.

591
00:26:19,520 --> 00:26:22,560
Speaker 2: Like, can you imagine if I gave her her contract

592
00:26:22,600 --> 00:26:24,240
Speaker 2: and she was like yes, just by the way, change

593
00:26:24,240 --> 00:26:25,080
Speaker 2: all these clauses.

594
00:26:25,119 --> 00:26:26,919
Speaker 4: Like I was a nightmare when I worked in retail

595
00:26:27,040 --> 00:26:29,040
Speaker 4: because I knew all my rights and I told all

596
00:26:29,040 --> 00:26:30,480
Speaker 4: the other girls what their rights were as well.

597
00:26:32,800 --> 00:26:37,800
Speaker 2: Lava for you retail, We'll pop some stuff up online

598
00:26:37,840 --> 00:26:39,760
Speaker 2: because I think it's really important to talk about. But

599
00:26:39,800 --> 00:26:42,919
Speaker 2: it's also one of those things where this genuinely impacts you,

600
00:26:43,119 --> 00:26:45,680
Speaker 2: and these changes are going to be consistently made until

601
00:26:45,680 --> 00:26:48,960
Speaker 2: twenty twenty five when we reached that twelve percent, And

602
00:26:49,000 --> 00:26:51,199
Speaker 2: I think that we need to have these conversations and

603
00:26:51,600 --> 00:26:54,359
Speaker 2: just get clear on how we can have more conversations.

604
00:26:54,800 --> 00:26:56,560
Speaker 5: Yeah, I also have another thing to add.

605
00:26:56,800 --> 00:26:58,600
Speaker 2: I knew you did. That's why I was like, I

606
00:26:58,680 --> 00:27:01,160
Speaker 2: trailed off on conversations because you like stuck your hand

607
00:27:01,200 --> 00:27:03,040
Speaker 2: in the air and I was like, Ryan, what have

608
00:27:03,160 --> 00:27:04,080
Speaker 2: you got to tell us.

609
00:27:04,359 --> 00:27:06,040
Speaker 5: There's been a few stories in the group this week

610
00:27:06,080 --> 00:27:08,560
Speaker 5: about people not getting paid superannuation, So just let this

611
00:27:08,600 --> 00:27:11,880
Speaker 5: be another reminder. Just always check your pace list anyway.

612
00:27:11,600 --> 00:27:15,879
Speaker 2: Check check your as, log into your superinuation. It is

613
00:27:16,000 --> 00:27:19,240
Speaker 2: so easy to do. If you don't know your super details,

614
00:27:19,400 --> 00:27:22,679
Speaker 2: jump on the ato my Gov website, log into that

615
00:27:22,760 --> 00:27:24,600
Speaker 2: and it will tell you when you last got your

616
00:27:24,640 --> 00:27:27,359
Speaker 2: super payment. If you have not got one in the

617
00:27:27,480 --> 00:27:32,199
Speaker 2: last quarter, ask your employer, call the cops. Don't do that.

618
00:27:32,320 --> 00:27:34,199
Speaker 2: They don't care, so they're not going to be able

619
00:27:34,240 --> 00:27:35,640
Speaker 2: to help. Come at that point, they'll be like, oh,

620
00:27:35,680 --> 00:27:37,320
Speaker 2: do you even know your log in details and you're like, no,

621
00:27:37,400 --> 00:27:42,199
Speaker 2: that's why I called you. But it's really important to

622
00:27:42,280 --> 00:27:44,640
Speaker 2: understand that. And if you don't know your log in details,

623
00:27:44,720 --> 00:27:47,040
Speaker 2: just call your super fund. The amount of times I've

624
00:27:47,040 --> 00:27:49,640
Speaker 2: said on this podcast that the call center people are

625
00:27:49,720 --> 00:27:52,800
Speaker 2: really nice, really kind to people. They are so good

626
00:27:52,840 --> 00:27:54,600
Speaker 2: at what they do. Call them and be like, hey,

627
00:27:54,720 --> 00:27:57,960
Speaker 2: my know, Victoria, I have a super fund with you. Guys,

628
00:27:58,119 --> 00:27:59,840
Speaker 2: I just want to know more about it. Don't know

629
00:27:59,840 --> 00:28:02,560
Speaker 2: what details are? They go, oh, no, problems, we'll sort

630
00:28:02,560 --> 00:28:02,840
Speaker 2: you out.

631
00:28:02,920 --> 00:28:05,760
Speaker 3: A really good point that I think Jess raised last

632
00:28:05,760 --> 00:28:07,960
Speaker 3: week or the week before is that you are actually

633
00:28:08,000 --> 00:28:11,119
Speaker 3: paying fees. You are paying to be able to access

634
00:28:11,119 --> 00:28:13,840
Speaker 3: your own information. So and yes, the fees go to

635
00:28:13,880 --> 00:28:18,840
Speaker 3: good things, but yeah, myed help call them like, no,

636
00:28:18,880 --> 00:28:21,000
Speaker 3: they can't give you financial advice, so they can tell

637
00:28:21,000 --> 00:28:23,640
Speaker 3: you exactly what your fees are going towards and all

638
00:28:23,680 --> 00:28:25,879
Speaker 3: of that. So it's just be empowered.

639
00:28:25,680 --> 00:28:28,000
Speaker 2: To really call them. Be empowered by it. And it's

640
00:28:28,080 --> 00:28:30,200
Speaker 2: one of those things where if someone is not paying

641
00:28:30,240 --> 00:28:34,000
Speaker 2: you super, that is not acceptable, full stop, end of story.

642
00:28:34,240 --> 00:28:36,639
Speaker 2: Not only do they now have to pay you that super,

643
00:28:36,880 --> 00:28:39,040
Speaker 2: they have to pay you what you missed out in interest.

644
00:28:39,240 --> 00:28:40,360
Speaker 3: Oh love that?

645
00:28:40,560 --> 00:28:41,719
Speaker 2: Yeah, I do love that too.

646
00:28:41,840 --> 00:28:42,600
Speaker 3: Yeah, that's good.

647
00:28:42,680 --> 00:28:45,880
Speaker 2: Don't ever let somebody gaslight you, which is what they

648
00:28:45,920 --> 00:28:48,200
Speaker 2: do if they're a bad employer and they are going

649
00:28:48,280 --> 00:28:50,520
Speaker 2: to not pay your super. Oh no, Tony, maybe you

650
00:28:50,520 --> 00:28:53,080
Speaker 2: didn't read it right or we only do it this often.

651
00:28:53,160 --> 00:28:55,040
Speaker 2: You'll be like, it's been twelve months and then you

652
00:28:55,080 --> 00:28:56,200
Speaker 2: got you definitely should have.

653
00:28:56,960 --> 00:28:58,840
Speaker 3: Wrong, and it's so easy to do so.

654
00:28:59,200 --> 00:29:01,000
Speaker 2: Yeah, and if you're really confused about when you're meant

655
00:29:01,040 --> 00:29:04,080
Speaker 2: to get paid SUPER, check your contract because it will

656
00:29:04,120 --> 00:29:06,960
Speaker 2: say like in the contract it might say and SUPER

657
00:29:07,120 --> 00:29:10,160
Speaker 2: is paid on a quarterly basis, or SUPER is paid

658
00:29:10,320 --> 00:29:13,440
Speaker 2: monthly with your salary, or some people pay it weekly

659
00:29:13,560 --> 00:29:15,560
Speaker 2: like it doesn't matter, but it will tell you how

660
00:29:15,560 --> 00:29:18,800
Speaker 2: often you were supposed to receive that payment. And then

661
00:29:19,200 --> 00:29:21,440
Speaker 2: you get to go and check it if that happened

662
00:29:21,560 --> 00:29:23,960
Speaker 2: or not, Like it shouldn't be something that is so

663
00:29:24,120 --> 00:29:26,640
Speaker 2: shadowed with I don't know how does it work? Like

664
00:29:27,000 --> 00:29:29,200
Speaker 2: I get it a payment was meant to happen, Go

665
00:29:29,280 --> 00:29:30,120
Speaker 2: check if it happened.

666
00:29:30,200 --> 00:29:32,640
Speaker 4: Yeah, we'll take you ten minutes. At a maximum, it's

667
00:29:32,680 --> 00:29:35,440
Speaker 4: every three months. Legally they must pay you that Super

668
00:29:35,760 --> 00:29:38,240
Speaker 4: once every quarter. So yeah, as you said, if it's

669
00:29:38,240 --> 00:29:40,080
Speaker 4: been three months, I haven't done it, don't let them

670
00:29:40,080 --> 00:29:41,560
Speaker 4: be like, oh, we only pay it twice a year,

671
00:29:41,720 --> 00:29:42,959
Speaker 4: like they have to pay it.

672
00:29:43,000 --> 00:29:46,080
Speaker 2: And this stuff breaks me, Like I end up crying

673
00:29:46,160 --> 00:29:48,280
Speaker 2: at least once a week because of a story someone's

674
00:29:48,320 --> 00:29:50,680
Speaker 2: messaged me in my DMS, which I'm so grateful for,

675
00:29:50,800 --> 00:29:54,120
Speaker 2: please never stop. But the amount of messages I've gotten

676
00:29:54,360 --> 00:29:57,080
Speaker 2: after you know, doing super podcasts or just talking about

677
00:29:57,120 --> 00:29:58,920
Speaker 2: it on Instagram, for people being like, oh, hey, I

678
00:29:59,000 --> 00:30:01,440
Speaker 2: checked mine and my employee wasn't paying it, and so

679
00:30:01,600 --> 00:30:03,440
Speaker 2: I followed them up and it had been twelve months

680
00:30:03,520 --> 00:30:05,400
Speaker 2: or it had been two years, And it's just it's

681
00:30:05,600 --> 00:30:09,080
Speaker 2: wild what people get away with because they rely on

682
00:30:09,120 --> 00:30:11,760
Speaker 2: your naivity, They rely on the fact that you just

683
00:30:11,800 --> 00:30:14,800
Speaker 2: trusted them to do the right thing. That's gross, Yeah

684
00:30:14,840 --> 00:30:17,120
Speaker 2: it is. Yeah, But enough of me ranting on about

685
00:30:17,160 --> 00:30:20,480
Speaker 2: superannuation and us being empowered, because as you guys know,

686
00:30:20,640 --> 00:30:23,400
Speaker 2: I literally could go on forever. So I just do

687
00:30:23,600 --> 00:30:26,200
Speaker 2: I really click by a round of our money wins

688
00:30:26,280 --> 00:30:28,600
Speaker 2: or confessions and then we can run away for the week.

689
00:30:28,640 --> 00:30:29,160
Speaker 2: How about that?

690
00:30:29,360 --> 00:30:30,600
Speaker 3: Yeah? All right?

691
00:30:30,680 --> 00:30:34,200
Speaker 2: I nominate Jessicagi as tribute and she gets to go

692
00:30:34,320 --> 00:30:37,200
Speaker 2: first because she baited us earlier and said that we

693
00:30:37,280 --> 00:30:37,800
Speaker 2: had to wait.

694
00:30:38,200 --> 00:30:42,400
Speaker 4: Well, I have a confessions. It was Amazon Prime Day

695
00:30:42,440 --> 00:30:46,640
Speaker 4: this week, and I'm usually pretty good with my money.

696
00:30:46,680 --> 00:30:49,240
Speaker 4: I'm usually quite good about like knowing what I want

697
00:30:49,360 --> 00:30:51,040
Speaker 4: and waiting for it go and sale. And I did

698
00:30:51,080 --> 00:30:53,920
Speaker 4: do that, but I also found myself with an assortment

699
00:30:54,000 --> 00:30:58,000
Speaker 4: of items in my cart that I had wanted whimsically

700
00:30:58,160 --> 00:31:00,680
Speaker 4: at some point or another, and because they were on

701
00:31:00,800 --> 00:31:03,320
Speaker 4: really good deals for Prime Day, I was like, now's

702
00:31:03,400 --> 00:31:05,640
Speaker 4: the time you get all right?

703
00:31:05,760 --> 00:31:08,760
Speaker 2: So we we got something delivered earlier this week into

704
00:31:08,760 --> 00:31:10,880
Speaker 2: the office, Jessica and I had a hot turn of it.

705
00:31:10,920 --> 00:31:11,560
Speaker 2: What was it?

706
00:31:11,880 --> 00:31:13,920
Speaker 4: I got the Split End Trimmer Pro.

707
00:31:15,240 --> 00:31:16,240
Speaker 2: What even is that?

708
00:31:16,640 --> 00:31:19,760
Speaker 4: So it's a device that you like. Essentially it cuts

709
00:31:19,760 --> 00:31:22,280
Speaker 4: off just the split ends. And when I got it out,

710
00:31:22,360 --> 00:31:25,840
Speaker 4: Tony looked at me and was like, no, they're not.

711
00:31:26,200 --> 00:31:29,280
Speaker 2: It's like a rotating blade and it sucks your hair in.

712
00:31:29,320 --> 00:31:32,920
Speaker 4: And specifically targets the split Have you used it?

713
00:31:33,040 --> 00:31:33,240
Speaker 6: Yeah?

714
00:31:33,240 --> 00:31:39,320
Speaker 5: I saw earlier today. I was like, she's used the Yeah,

715
00:31:39,360 --> 00:31:39,840
Speaker 5: she's done it.

716
00:31:39,920 --> 00:31:43,160
Speaker 4: I will report back on that one. But also in

717
00:31:43,160 --> 00:31:46,240
Speaker 4: addition to that, I ended up with a massage gun,

718
00:31:46,440 --> 00:31:52,320
Speaker 4: like one of those yeah, absolutely, Actually, well I don't know,

719
00:31:52,320 --> 00:31:53,000
Speaker 4: it hasn't arrived.

720
00:31:53,040 --> 00:31:53,959
Speaker 5: Okay, how much was that?

721
00:31:54,760 --> 00:31:54,880
Speaker 6: So?

722
00:31:54,920 --> 00:31:57,080
Speaker 4: I think it was one twenty down from two hundreds,

723
00:31:58,120 --> 00:31:59,560
Speaker 4: so it was a good deal. But like, it's still

724
00:31:59,600 --> 00:32:03,480
Speaker 4: a lot, and like I play a I played.

725
00:32:03,640 --> 00:32:07,320
Speaker 5: Frisbee, Ultimate frisbee or a sport, which one.

726
00:32:10,480 --> 00:32:18,720
Speaker 4: For you, And a selection of other delightful items which

727
00:32:18,800 --> 00:32:21,120
Speaker 4: arguably I did not need, but I definitely did want.

728
00:32:21,200 --> 00:32:23,520
Speaker 4: And while I'm very fortunate that I have the room

729
00:32:23,520 --> 00:32:24,400
Speaker 4: in my budget to.

730
00:32:24,360 --> 00:32:26,720
Speaker 2: Do that, you don't anymore.

731
00:32:26,920 --> 00:32:28,920
Speaker 4: Yeah, that's it. No more sending for the next month.

732
00:32:29,120 --> 00:32:30,480
Speaker 3: It's all right. That's why we can't go out for

733
00:32:30,480 --> 00:32:33,760
Speaker 3: dinner tonight because Jests bought a massage gun.

734
00:32:34,080 --> 00:32:36,840
Speaker 2: Imagine she would say that too, She'd be like, sorry, guys,

735
00:32:36,880 --> 00:32:41,719
Speaker 2: I prioritize the massage without me, all right.

736
00:32:41,880 --> 00:32:45,280
Speaker 3: So I very cold winter in Melbourne at the moment,

737
00:32:45,360 --> 00:32:48,880
Speaker 3: as anybody who is in Victoria will know, I've needed

738
00:32:48,880 --> 00:32:52,480
Speaker 3: a proper woolen coat for a really long time. I've

739
00:32:52,480 --> 00:32:54,960
Speaker 3: lived in Melbourne now for four years and still haven't

740
00:32:55,000 --> 00:32:57,400
Speaker 3: splurged on one. And I bought this coat and it

741
00:32:57,400 --> 00:33:00,800
Speaker 3: was one hundred dollars and I checked it today because

742
00:33:00,800 --> 00:33:03,040
Speaker 3: I was like, oh, is it supposed to come with

743
00:33:03,040 --> 00:33:06,160
Speaker 3: a spare button? Really dorky? I know it is now

744
00:33:06,200 --> 00:33:09,240
Speaker 3: back to two hundred and fifty dollars money.

745
00:33:09,360 --> 00:33:12,800
Speaker 2: Money We That was actually such a good purchase from

746
00:33:12,840 --> 00:33:16,120
Speaker 2: you because you spent so long researching that. I did

747
00:33:16,240 --> 00:33:18,480
Speaker 2: the amount of times that link had come sent to

748
00:33:18,520 --> 00:33:20,320
Speaker 2: me on Slack and you're like, what about this? And

749
00:33:20,360 --> 00:33:21,840
Speaker 2: I was like, Oh, what's its composition?

750
00:33:21,920 --> 00:33:22,320
Speaker 4: Is it wall?

751
00:33:22,320 --> 00:33:23,720
Speaker 2: And You're like, yeah, it's wall And I'm like, oh,

752
00:33:23,720 --> 00:33:26,680
Speaker 2: that's a good deal. One hundred dollars for actually wool coat.

753
00:33:26,760 --> 00:33:28,520
Speaker 5: Is it one of those ones that you'll wear four

754
00:33:28,560 --> 00:33:29,000
Speaker 5: times a.

755
00:33:28,920 --> 00:33:31,480
Speaker 4: Week every years because your.

756
00:33:31,440 --> 00:33:33,880
Speaker 5: Rule is five dollars per week and you'll smash that out.

757
00:33:33,800 --> 00:33:36,120
Speaker 3: In one hundred percent And it would have taken me

758
00:33:36,320 --> 00:33:38,440
Speaker 3: over twice as long if I'd paid full price.

759
00:33:38,760 --> 00:33:41,040
Speaker 2: So I'm very proud of my money win. I really

760
00:33:41,160 --> 00:33:42,840
Speaker 2: liked the coat as well. You look very beautiful.

761
00:33:43,400 --> 00:33:47,520
Speaker 6: Thank you, Bryan, you got what bridget myself and BJ

762
00:33:47,840 --> 00:33:50,640
Speaker 6: we are now a one car family instead of a

763
00:33:50,640 --> 00:33:51,120
Speaker 6: two car.

764
00:33:52,760 --> 00:33:54,440
Speaker 3: CJ finally sold his car.

765
00:33:54,720 --> 00:33:58,040
Speaker 6: Did he barely drove it so Bridget's been catching the

766
00:33:58,080 --> 00:34:01,160
Speaker 6: tram into work. We bare used the second car, so

767
00:34:01,200 --> 00:34:01,760
Speaker 6: we went, you know.

768
00:34:01,720 --> 00:34:05,800
Speaker 3: What, two cars that I must be yet we both used.

769
00:34:05,640 --> 00:34:07,280
Speaker 6: To have to drive to work and now we don't.

770
00:34:07,320 --> 00:34:09,680
Speaker 6: So we've sold one car. But not only is the

771
00:34:09,719 --> 00:34:11,719
Speaker 6: win the money from the sole car. We just took

772
00:34:11,719 --> 00:34:13,960
Speaker 6: it to like a used car sales thing, but it's

773
00:34:14,000 --> 00:34:15,680
Speaker 6: the second insurance.

774
00:34:15,719 --> 00:34:17,600
Speaker 5: We don't have to pay the second rejo. We don't

775
00:34:17,640 --> 00:34:19,000
Speaker 5: have to go. Yeah, the on gar.

776
00:34:19,120 --> 00:34:21,200
Speaker 6: I mean, you don't need us to tell you that

777
00:34:21,320 --> 00:34:23,480
Speaker 6: cars just suck money from your life. So to be

778
00:34:23,560 --> 00:34:25,560
Speaker 6: able to remove one of them, I think that not

779
00:34:25,600 --> 00:34:26,960
Speaker 6: only is the win now, but it will be an

780
00:34:26,960 --> 00:34:29,160
Speaker 6: ongoing win for us, A good one. That's a great win.

781
00:34:29,520 --> 00:34:31,880
Speaker 2: Yeah, I really like that. That makes mine seem not

782
00:34:31,960 --> 00:34:32,839
Speaker 2: so good now.

783
00:34:32,880 --> 00:34:33,759
Speaker 4: We still want to hear it.

784
00:34:34,120 --> 00:34:38,040
Speaker 2: No, well, mine's not car related. It's actually backfashion related.

785
00:34:38,520 --> 00:34:40,920
Speaker 2: It's like not a jacket, but it is a robe.

786
00:34:41,280 --> 00:34:44,320
Speaker 2: So I've decided that this is my money win because

787
00:34:44,480 --> 00:34:46,920
Speaker 2: I have been speaking to the team for a very

788
00:34:46,920 --> 00:34:49,600
Speaker 2: long time about not owning a bathrobe. So I don't

789
00:34:49,640 --> 00:34:53,239
Speaker 2: own a bathrobe. And our friend Jess literally could not

790
00:34:53,280 --> 00:34:56,320
Speaker 2: comprehend the fact that I did not own a bathrobe.

791
00:34:56,400 --> 00:34:58,680
Speaker 4: I live for my robe. Yea, it is the best

792
00:34:58,680 --> 00:34:59,040
Speaker 4: money ever.

793
00:34:59,200 --> 00:35:02,280
Speaker 3: I joined the car a year ago, last when COVID

794
00:35:02,320 --> 00:35:03,920
Speaker 3: first happened, and yeah, best money ever.

795
00:35:04,040 --> 00:35:05,920
Speaker 4: If you really want to feel good, get an ankle

796
00:35:06,000 --> 00:35:06,520
Speaker 4: length one.

797
00:35:10,880 --> 00:35:13,040
Speaker 2: So I did all my research because I didn't want

798
00:35:13,120 --> 00:35:15,719
Speaker 2: like their big bulky things. In my head, they were

799
00:35:15,719 --> 00:35:17,799
Speaker 2: like going to take up all this wardrobe space and

800
00:35:17,840 --> 00:35:19,319
Speaker 2: like they were going to be hard to store. And

801
00:35:19,560 --> 00:35:22,719
Speaker 2: turns out I'm definitely not worried about that anymore. This

802
00:35:23,360 --> 00:35:26,680
Speaker 2: prime place in my wardrobe. But I did all my

803
00:35:26,719 --> 00:35:28,759
Speaker 2: research and I was like, one hundred and fifty dollars, like,

804
00:35:28,760 --> 00:35:30,640
Speaker 2: this is a lot of money for a robe that

805
00:35:30,760 --> 00:35:33,200
Speaker 2: nobody else is going to see. And so I started

806
00:35:33,200 --> 00:35:35,440
Speaker 2: looking into them and I ended up doing this whole

807
00:35:35,480 --> 00:35:38,000
Speaker 2: poll on my Instagram. Be guys, I want to know

808
00:35:38,040 --> 00:35:39,920
Speaker 2: where to get the best the hot topic. It was

809
00:35:39,920 --> 00:35:43,200
Speaker 2: a hot topic, right because they are hard to find, and.

810
00:35:43,400 --> 00:35:44,279
Speaker 6: Was I here on the list?

811
00:35:44,320 --> 00:35:45,400
Speaker 5: I feel like I kid, I.

812
00:35:48,080 --> 00:35:52,319
Speaker 2: Here got a run. Someone suggested that someone suggested that

813
00:35:52,400 --> 00:35:54,200
Speaker 2: I do have together.

814
00:35:55,480 --> 00:35:57,680
Speaker 4: Probably it's just a bunch of friends.

815
00:35:59,000 --> 00:36:02,520
Speaker 2: They give you all about They don't actually sell. They

816
00:36:02,560 --> 00:36:06,880
Speaker 2: don't sell robes, they just sell towers Diowa. But I

817
00:36:06,920 --> 00:36:09,600
Speaker 2: did all my research right, and I tried to work

818
00:36:09,640 --> 00:36:11,759
Speaker 2: out what the best one was. I'd been shopping and

819
00:36:11,800 --> 00:36:13,879
Speaker 2: I didn't like the textures of heaps of them because

820
00:36:13,880 --> 00:36:17,960
Speaker 2: I'm a very texture backs person. Anyway, I opened like

821
00:36:18,000 --> 00:36:20,600
Speaker 2: the questions on my Instagram, because like that's the best

822
00:36:20,640 --> 00:36:23,520
Speaker 2: thing about Instagram. You can ask the people, and they

823
00:36:23,560 --> 00:36:26,080
Speaker 2: all said skin Forward, and I was like, oh, like,

824
00:36:26,360 --> 00:36:28,120
Speaker 2: why didn't I think of that? Because it's run by

825
00:36:28,200 --> 00:36:30,239
Speaker 2: Joanna who works at a door beauty and runs the

826
00:36:30,520 --> 00:36:31,360
Speaker 2: beauty podcast.

827
00:36:31,440 --> 00:36:33,200
Speaker 6: Could those girls be any more better at life?

828
00:36:33,400 --> 00:36:34,520
Speaker 5: I don't even.

829
00:36:34,520 --> 00:36:36,520
Speaker 2: And this is not sponsored, by the way. I actually

830
00:36:36,600 --> 00:36:38,880
Speaker 2: spent my own money on this, Like she had nothing

831
00:36:38,920 --> 00:36:41,160
Speaker 2: to do with this process. Like I just did my

832
00:36:41,280 --> 00:36:44,760
Speaker 2: research purchased the thing. But it was like sixty bucks

833
00:36:45,360 --> 00:36:48,200
Speaker 2: in comparison to like the one hundred and fifty, and

834
00:36:48,440 --> 00:36:49,200
Speaker 2: I got it.

835
00:36:49,200 --> 00:36:50,200
Speaker 4: It is like a cloud.

836
00:36:50,440 --> 00:36:52,520
Speaker 2: I think it has been made out of threads from

837
00:36:52,680 --> 00:36:55,440
Speaker 2: unicorns and it like it's the best thing in the

838
00:36:55,600 --> 00:36:58,240
Speaker 2: entire world. My cats are obsessed with it. I'm obsessed

839
00:36:58,239 --> 00:37:01,000
Speaker 2: with it. I obviously look much a home than I

840
00:37:01,080 --> 00:37:05,279
Speaker 2: did before, and it's got pockets, pockets big enough for

841
00:37:05,400 --> 00:37:09,840
Speaker 2: snacks like as if that's not a money win, but anyway,

842
00:37:09,880 --> 00:37:10,560
Speaker 2: that's where I'm at.

843
00:37:10,840 --> 00:37:11,960
Speaker 3: That's a great money win.

844
00:37:12,120 --> 00:37:14,960
Speaker 2: We've got money wins and confessions done. We've talked about robes,

845
00:37:14,960 --> 00:37:18,880
Speaker 2: We've talked about superannuation, We've talked about Jessica's spending urges

846
00:37:18,920 --> 00:37:21,920
Speaker 2: this week and Ryan becoming a one car family. I

847
00:37:21,960 --> 00:37:25,000
Speaker 2: think we're done here, guys, But just before we head off,

848
00:37:25,040 --> 00:37:28,319
Speaker 2: we'd like to acknowledge and pay respect to Australia's Aboriginal

849
00:37:28,360 --> 00:37:32,000
Speaker 2: and torrist Right Islander people's. They're the traditional custodians of

850
00:37:32,040 --> 00:37:35,520
Speaker 2: the lands, the waterways and the skies all across Australia.

851
00:37:35,920 --> 00:37:37,759
Speaker 2: We thank you for sharing and for caring for the

852
00:37:37,840 --> 00:37:40,120
Speaker 2: land on which we are able to learn. We pay

853
00:37:40,239 --> 00:37:42,759
Speaker 2: respects to elders past and present, and we share our

854
00:37:42,760 --> 00:37:44,400
Speaker 2: friendship and our kindness.

855
00:37:44,680 --> 00:37:46,920
Speaker 3: The advice shared on She's on the Money is general

856
00:37:46,960 --> 00:37:50,560
Speaker 3: in nature and does not consider your individual circumstances. She's

857
00:37:50,640 --> 00:37:53,480
Speaker 3: on the Money exists purely for educational purposes and should

858
00:37:53,520 --> 00:37:56,480
Speaker 3: not be relied upon to make an investment or financial decision.

859
00:37:56,880 --> 00:37:59,719
Speaker 3: And we promise Victoria Devine is an authorized representative of

860
00:37:59,760 --> 00:38:03,600
Speaker 3: Alia Pacific Funds Management Proprietary Limited ABN three four one

861
00:38:03,640 --> 00:38:06,680
Speaker 3: three two four six three two five seven AFSL three

862
00:38:06,760 --> 00:38:08,040
Speaker 3: three nine one five one.

863
00:38:08,360 --> 00:38:11,280
Speaker 2: Oh, you've got that. Why you're looking so shocked because

864
00:38:11,280 --> 00:38:13,640
Speaker 2: she stared at me the entire time. She didn't read that.

865
00:38:13,680 --> 00:38:18,080
Speaker 6: I know it was join us on Instagram, but she's

866
00:38:18,080 --> 00:38:20,600
Speaker 6: on the money a US or join the Facebook group

867
00:38:20,640 --> 00:38:24,280
Speaker 6: that now has one hundred and eighty thousand people sharing

868
00:38:24,320 --> 00:38:26,359
Speaker 6: their stories and everyone helping each other out as well.

869
00:38:26,640 --> 00:38:30,000
Speaker 6: And if you want to achieve financial freedom, going by,

870
00:38:30,160 --> 00:38:31,000
Speaker 6: she's on the money.

871
00:38:31,120 --> 00:38:33,080
Speaker 5: The book in all good bookstore.

872
00:38:35,600 --> 00:38:35,880
Speaker 4: Guys.

873
00:38:35,960 --> 00:38:40,880
Speaker 2: It was the number one seller on book top. I

874
00:38:40,920 --> 00:38:41,279
Speaker 2: love that.

875
00:38:41,280 --> 00:38:42,080
Speaker 3: That wasn't your wing.

876
00:38:42,160 --> 00:38:43,360
Speaker 1: You talked about a bathroom.

877
00:38:44,600 --> 00:38:47,920
Speaker 2: I'm sorry, priority see you next week, guys.

878
00:38:47,920 --> 00:38:51,280
Speaker 4: Bye.

879
00:38:48,320 --> 00:38:48,400
Speaker 1: By