1 00:00:00,680 --> 00:00:04,920 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,960 --> 00:00:08,680 Speaker 1: the Order Kerney Whoalbury and a waddery woman. And before 3 00:00:08,680 --> 00:00:11,160 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,319 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:17,720 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,240 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,320 --> 00:00:26,960 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,080 --> 00:00:30,120 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,240 --> 00:00:32,640 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,320 --> 00:00:34,120 Speaker 2: Let's get into it. 11 00:00:34,760 --> 00:00:54,040 Speaker 3: She's on the Money, She's on the Money. 12 00:00:57,760 --> 00:01:01,120 Speaker 2: Hello, and welcome to She's on the Money, the podcast 13 00:01:01,120 --> 00:01:05,080 Speaker 2: for millennials who want financial freedom. Welcome back to another 14 00:01:05,080 --> 00:01:07,520 Speaker 2: one of our shop backed money diaries where we get 15 00:01:07,560 --> 00:01:10,399 Speaker 2: to talk to one of our incredibly amazing She's on 16 00:01:10,440 --> 00:01:13,800 Speaker 2: the Money community members. Let's jump straight in. We got 17 00:01:13,840 --> 00:01:17,040 Speaker 2: a message this week and it read like this. In 18 00:01:17,120 --> 00:01:21,000 Speaker 2: first year UNI, I had my identity stolen. They waited 19 00:01:21,040 --> 00:01:24,280 Speaker 2: a year before using my identity to commit other crimes. 20 00:01:24,480 --> 00:01:27,800 Speaker 2: I had no idea anything was amiss until the police 21 00:01:27,840 --> 00:01:32,120 Speaker 2: emailed my father saying I was a suspect. This resulted 22 00:01:32,200 --> 00:01:36,480 Speaker 2: in me being arrested, fingerprinted, and formally interviewed by police. 23 00:01:36,959 --> 00:01:39,240 Speaker 2: Even after I was off the hook with the police, 24 00:01:39,280 --> 00:01:41,960 Speaker 2: it took a long time of clearing my name and 25 00:01:42,040 --> 00:01:45,479 Speaker 2: cleaning up my credit history. Now, as a twenty three 26 00:01:45,560 --> 00:01:48,720 Speaker 2: year old PhD student looking at maternal and child health 27 00:01:48,720 --> 00:01:51,640 Speaker 2: in puba New Guinea, I get by on my PhD 28 00:01:51,760 --> 00:01:54,640 Speaker 2: stipid end, working all sorts of odd jobs to build 29 00:01:54,720 --> 00:01:57,560 Speaker 2: my savings emergency fund and I hope to save for 30 00:01:57,600 --> 00:02:00,920 Speaker 2: a house. Oh my gosh, money diary interest. That is 31 00:02:00,960 --> 00:02:03,880 Speaker 2: a wild ride, and you are only twenty three. Welcome 32 00:02:03,960 --> 00:02:04,639 Speaker 2: to the show. 33 00:02:05,040 --> 00:02:06,520 Speaker 4: Thank you, thanks so much for having me. 34 00:02:06,640 --> 00:02:08,960 Speaker 2: Oh my gosh, your I don't even want to get 35 00:02:08,960 --> 00:02:11,440 Speaker 2: into it too quickly because I'll just spoil all of 36 00:02:11,440 --> 00:02:15,480 Speaker 2: the questions that we've got. But that sounds absolutely crazy, 37 00:02:15,560 --> 00:02:17,680 Speaker 2: And I'm assuming you're okay now, right. 38 00:02:17,680 --> 00:02:20,240 Speaker 4: Yes, I still check my credit or for all the time. 39 00:02:20,400 --> 00:02:23,519 Speaker 4: Just makes all things are good. 40 00:02:23,600 --> 00:02:25,840 Speaker 2: I would too, Like I would just download it on 41 00:02:25,880 --> 00:02:28,200 Speaker 2: a weekly basis and just be like just checking, just checking. 42 00:02:28,240 --> 00:02:31,000 Speaker 2: It's me high echoifax in me again, bye, Like they 43 00:02:31,040 --> 00:02:33,920 Speaker 2: would know me by name. All right, let's get into it. 44 00:02:33,960 --> 00:02:36,320 Speaker 2: The first question I always like to ask is can 45 00:02:36,360 --> 00:02:39,120 Speaker 2: you tell us a little bit more about your money story. 46 00:02:39,400 --> 00:02:42,120 Speaker 5: Yes, so, I guess like I'm pretty fortunate to come 47 00:02:42,160 --> 00:02:45,839 Speaker 5: from a relatively well off family, not like crazy rich 48 00:02:45,960 --> 00:02:48,760 Speaker 5: or anything, but we definitely never went with that. You know, 49 00:02:48,880 --> 00:02:52,160 Speaker 5: like private schools, all the extra curriculus that we could 50 00:02:52,200 --> 00:02:55,080 Speaker 5: want to do that Mum allowed with time, work and everything, 51 00:02:55,720 --> 00:02:58,040 Speaker 5: and like the odd overseas troop here and there, that 52 00:02:58,120 --> 00:02:58,679 Speaker 5: sort of thing. 53 00:02:58,760 --> 00:03:01,440 Speaker 4: But money wasn't really ever us something that we talked about, at. 54 00:03:01,400 --> 00:03:04,160 Speaker 5: Least not while we're still young and growing up. I 55 00:03:04,200 --> 00:03:06,240 Speaker 5: remember asking Dad what he earned once when I was 56 00:03:06,240 --> 00:03:08,160 Speaker 5: in like breath and he just like looked at me. 57 00:03:08,200 --> 00:03:11,320 Speaker 4: It was like enough and that was it? Right? 58 00:03:11,400 --> 00:03:12,680 Speaker 2: They were like no, did Dad? 59 00:03:12,760 --> 00:03:12,880 Speaker 5: No? 60 00:03:13,000 --> 00:03:13,240 Speaker 2: Did? 61 00:03:13,440 --> 00:03:13,639 Speaker 3: Yeah? 62 00:03:13,680 --> 00:03:16,560 Speaker 4: Okay, cool, thanks and then yeah. 63 00:03:16,600 --> 00:03:18,959 Speaker 5: As I grew up, had like a pretty positive relationship 64 00:03:19,000 --> 00:03:21,680 Speaker 5: with money, never really thought about it aside from like, 65 00:03:21,800 --> 00:03:25,600 Speaker 5: you know, have money, spend money, get things. But that 66 00:03:25,720 --> 00:03:29,360 Speaker 5: all sort of changed in my younger Sistar Wars diagnosed 67 00:03:29,400 --> 00:03:33,200 Speaker 5: with anorexia. My parents like mostly tried to keep me 68 00:03:33,360 --> 00:03:35,840 Speaker 5: out of it as much as they could, but there 69 00:03:35,840 --> 00:03:38,240 Speaker 5: are always loads of appointments to pay for, like nutrition, 70 00:03:38,360 --> 00:03:41,200 Speaker 5: as pediatrician, dietrician, psychologists like. 71 00:03:41,280 --> 00:03:44,000 Speaker 4: You know, whatever you can think of, you name it. 72 00:03:44,000 --> 00:03:45,640 Speaker 4: It was hard to be paid for. 73 00:03:46,400 --> 00:03:48,640 Speaker 5: And as you know, as much as my parents wanted 74 00:03:48,680 --> 00:03:50,760 Speaker 5: to keep me out of it, there's always comments like 75 00:03:50,760 --> 00:03:53,560 Speaker 5: oh my gosh, like this is so expensive that sort 76 00:03:53,560 --> 00:03:56,040 Speaker 5: of thing, not that you know, like we went without 77 00:03:56,120 --> 00:03:57,800 Speaker 5: or anything. I guess it just like was a bit 78 00:03:57,840 --> 00:04:01,680 Speaker 5: of a financial strain for them, and that sort of 79 00:04:02,000 --> 00:04:06,320 Speaker 5: flowed down. I just sort of retained that past that point. 80 00:04:06,320 --> 00:04:08,800 Speaker 5: I was about in year nine when that, or my 81 00:04:08,840 --> 00:04:10,760 Speaker 5: sister I was only in year six, which is something 82 00:04:10,800 --> 00:04:12,480 Speaker 5: like twelve, which was very young. 83 00:04:13,080 --> 00:04:14,040 Speaker 4: But yeah, after that. 84 00:04:14,000 --> 00:04:16,640 Speaker 5: I just really didn't want to be a burden or 85 00:04:16,640 --> 00:04:21,000 Speaker 5: my family financially or otherwise. And I guess that's like 86 00:04:21,200 --> 00:04:24,800 Speaker 5: led me to be like super independent and I really 87 00:04:24,880 --> 00:04:26,839 Speaker 5: value living out of home and paying for things on 88 00:04:26,880 --> 00:04:29,360 Speaker 5: my own, having everything, and it's being like mine that 89 00:04:29,480 --> 00:04:32,039 Speaker 5: I've paid for and that I don't owe anyone anything. 90 00:04:32,839 --> 00:04:35,360 Speaker 5: But yeah, I really like that. It's taken a while 91 00:04:35,400 --> 00:04:38,360 Speaker 5: to get to the point where I sort of feel 92 00:04:38,440 --> 00:04:40,120 Speaker 5: more open to help. 93 00:04:39,920 --> 00:04:40,800 Speaker 4: From my parents. 94 00:04:40,839 --> 00:04:43,719 Speaker 5: I guess when I needed or want it, I like 95 00:04:43,839 --> 00:04:46,440 Speaker 5: later on I needed my own psychologist to help me 96 00:04:46,440 --> 00:04:50,200 Speaker 5: sort of work through everything that happened with my sister. 97 00:04:50,360 --> 00:04:52,640 Speaker 5: And I refused to talk to my parents about it. 98 00:04:52,640 --> 00:04:54,040 Speaker 5: I didn't want them knowing that I was going to 99 00:04:54,080 --> 00:04:55,680 Speaker 5: see a psychologist. I thought it would just be like 100 00:04:55,720 --> 00:04:59,320 Speaker 5: a bit much after everything that had happened with my sister. 101 00:05:00,120 --> 00:05:03,480 Speaker 5: But like, after a couple of sessions and my Joyen's 102 00:05:03,480 --> 00:05:05,839 Speaker 5: always been like very supportive about all of this stuff. 103 00:05:05,920 --> 00:05:08,520 Speaker 5: He was encouraging me to talk to my parents about 104 00:05:08,560 --> 00:05:10,640 Speaker 5: it and talk to my mum, and she offered to 105 00:05:10,640 --> 00:05:12,280 Speaker 5: help pay for it, which was really nice because at 106 00:05:12,320 --> 00:05:15,320 Speaker 5: the time I was not making very much money at all, 107 00:05:15,360 --> 00:05:18,039 Speaker 5: and having to pay for psychologists and things out of 108 00:05:18,040 --> 00:05:21,360 Speaker 5: my own pocket was really putting a dent in the savings. 109 00:05:21,760 --> 00:05:23,840 Speaker 5: But I guess like now I'm in a much better 110 00:05:23,880 --> 00:05:26,600 Speaker 5: spot where I'm more open and like happy to accept 111 00:05:26,600 --> 00:05:28,760 Speaker 5: help where I need it and if I want it. 112 00:05:28,800 --> 00:05:31,000 Speaker 5: That's like I really still prefer to do things on 113 00:05:31,040 --> 00:05:31,920 Speaker 5: my own where I can. 114 00:05:32,360 --> 00:05:35,919 Speaker 2: Yeah. Wow. And then growing up a little bit more, 115 00:05:36,120 --> 00:05:39,160 Speaker 2: you ended up having your identity stolen? How did that 116 00:05:39,279 --> 00:05:40,560 Speaker 2: impact you financially? 117 00:05:41,000 --> 00:05:45,000 Speaker 5: Fortunately it didn't impact me financially, Like none of my 118 00:05:45,160 --> 00:05:48,280 Speaker 5: own money was taken or anything. So it was all 119 00:05:48,360 --> 00:05:50,560 Speaker 5: just like credit in my name, which all got removed. 120 00:05:50,560 --> 00:05:53,520 Speaker 5: And because I was so young, I wasn't like applying 121 00:05:53,560 --> 00:05:57,520 Speaker 5: for credit cards or mortgages or anything, so like otherwise 122 00:05:57,560 --> 00:05:59,800 Speaker 5: I literally wouldn't have known for years if the plan 123 00:06:00,080 --> 00:06:03,040 Speaker 5: sat at home email Dad to ask and step the 124 00:06:03,080 --> 00:06:04,480 Speaker 5: whole thing rolling, I guess. 125 00:06:04,680 --> 00:06:08,440 Speaker 2: So the police just literally emailed you died and we're like, hey, yeah, 126 00:06:08,520 --> 00:06:11,200 Speaker 2: just FYI, we think your daughter's a criminal XO. 127 00:06:11,560 --> 00:06:15,000 Speaker 4: Like yes, it was so random. 128 00:06:15,080 --> 00:06:18,360 Speaker 5: The guy the constable that email Dad, he had like 129 00:06:18,920 --> 00:06:21,839 Speaker 5: a very unique name that I have never heard before 130 00:06:21,880 --> 00:06:24,400 Speaker 5: and have never heard ever again. So we were like, oh, 131 00:06:24,440 --> 00:06:26,680 Speaker 5: like is this some sort of like Nigerian prince kind 132 00:06:26,680 --> 00:06:27,120 Speaker 5: of scam? 133 00:06:27,560 --> 00:06:31,039 Speaker 2: Yeah, yeah, scam scam. You just need to transfer X 134 00:06:31,080 --> 00:06:33,400 Speaker 2: amount of money and I'll return you a million. 135 00:06:35,400 --> 00:06:38,320 Speaker 5: And then Dad's like texted me. I was at Uni 136 00:06:38,400 --> 00:06:40,520 Speaker 5: at the time, and Dad's like, what has he done? 137 00:06:40,800 --> 00:06:43,120 Speaker 4: I was like anything, I swear, I swear. 138 00:06:43,640 --> 00:06:46,039 Speaker 2: So you got arrested for it and ended did you 139 00:06:46,200 --> 00:06:48,880 Speaker 2: ended up in jangle for this and you didn't do anything? 140 00:06:49,680 --> 00:06:49,880 Speaker 4: Well? 141 00:06:50,560 --> 00:06:54,120 Speaker 5: Yeah, I mean it's a whole long process, but basically 142 00:06:54,720 --> 00:06:57,359 Speaker 5: at least what they said was in order to interview me, 143 00:06:57,400 --> 00:06:59,320 Speaker 5: which they had to do to rule me out as 144 00:06:59,360 --> 00:07:00,200 Speaker 5: a suspect. 145 00:07:00,640 --> 00:07:02,600 Speaker 4: Like part of the procedure. 146 00:07:02,200 --> 00:07:04,920 Speaker 5: Is like arresting, so they didn't put like handcuffs on 147 00:07:04,960 --> 00:07:06,479 Speaker 5: me or anything, but I had to get the police 148 00:07:06,520 --> 00:07:08,680 Speaker 5: station in the middle of the night because the guy 149 00:07:08,720 --> 00:07:09,840 Speaker 5: was working night shifts. 150 00:07:10,280 --> 00:07:11,920 Speaker 4: And then they were like, you're under arrest. 151 00:07:12,040 --> 00:07:14,600 Speaker 5: Anything you can do you know, oh, that's steel, and 152 00:07:14,720 --> 00:07:16,880 Speaker 5: then took me into the interview room. 153 00:07:16,920 --> 00:07:20,920 Speaker 2: This is arguably hilarious because obviously this is anonymous, but 154 00:07:21,040 --> 00:07:23,560 Speaker 2: like I can tell you right now, our money diarist 155 00:07:23,560 --> 00:07:25,760 Speaker 2: does not look like the type of person that would 156 00:07:25,800 --> 00:07:31,040 Speaker 2: do very well in the jail. Sorry, money Diarists love you, 157 00:07:31,120 --> 00:07:33,800 Speaker 2: We'll come back to this. Not my thing, no, no, 158 00:07:33,800 --> 00:07:36,280 Speaker 2: no no. I just think you look too sweet, and 159 00:07:36,320 --> 00:07:38,880 Speaker 2: you look like you're probably like the same height as me, 160 00:07:39,000 --> 00:07:42,280 Speaker 2: which is standing really told like maybe five five one. 161 00:07:42,520 --> 00:07:44,960 Speaker 2: Like you are just very patigued. There's no chance that 162 00:07:44,960 --> 00:07:46,880 Speaker 2: you in jail is ever going to be a good idea. 163 00:07:47,240 --> 00:07:49,480 Speaker 2: I'm gonna ask you more questions though, because I want 164 00:07:49,480 --> 00:07:51,720 Speaker 2: to come back to this process after the break. But 165 00:07:51,880 --> 00:07:53,960 Speaker 2: I want to know, now, what do you do for work? 166 00:07:54,000 --> 00:07:55,320 Speaker 2: And how much money do you earn? 167 00:07:55,560 --> 00:07:58,760 Speaker 4: So yes, I literally just started my PhD like two 168 00:07:58,760 --> 00:07:59,240 Speaker 4: weeks ago. 169 00:07:59,400 --> 00:08:01,680 Speaker 2: Congrat that's so exciting. 170 00:08:01,920 --> 00:08:04,600 Speaker 4: Yeah, thank you. I'm super excited about it. 171 00:08:04,640 --> 00:08:08,240 Speaker 5: But yeah, so that's my primary source of income, I guess, yeah, 172 00:08:08,280 --> 00:08:11,920 Speaker 5: so PhD student, I'm pretty lucky to have that stipend 173 00:08:12,000 --> 00:08:14,680 Speaker 5: as well as the fees offset, so I don't pay 174 00:08:14,720 --> 00:08:16,640 Speaker 5: any fees or get any x or anything, and I 175 00:08:16,800 --> 00:08:21,400 Speaker 5: get the stipend, which is thirty K a year index tax. 176 00:08:21,200 --> 00:08:23,560 Speaker 4: Free as living allowance, which. 177 00:08:23,360 --> 00:08:27,000 Speaker 5: Like luckily covers all my basics like rent and you know, 178 00:08:27,080 --> 00:08:28,560 Speaker 5: bills and all that sort of thing. 179 00:08:29,080 --> 00:08:29,640 Speaker 4: But yeah, it. 180 00:08:29,640 --> 00:08:32,920 Speaker 5: Doesn't leave much for most, say things after that, so 181 00:08:33,200 --> 00:08:34,480 Speaker 5: I work outside of. 182 00:08:34,440 --> 00:08:34,920 Speaker 4: This as well. 183 00:08:34,960 --> 00:08:38,600 Speaker 5: I do nanny and babysitting and coaching where I can 184 00:08:38,679 --> 00:08:42,960 Speaker 5: fit it in. Yeah, so like nanning, I well, it 185 00:08:43,040 --> 00:08:45,040 Speaker 5: depends on the week, but usually have a couple of 186 00:08:45,080 --> 00:08:48,360 Speaker 5: afternoons a week and be earning as of next year 187 00:08:48,400 --> 00:08:50,880 Speaker 5: three hundred and sixty dollars a week. But at the moment, 188 00:08:50,880 --> 00:08:52,880 Speaker 5: because I'm still tying up a few things that I 189 00:08:52,920 --> 00:08:55,240 Speaker 5: was doing earlier in the year, it's more like six 190 00:08:55,360 --> 00:08:59,000 Speaker 5: hundred or so. And then coaching is like pretty variable. 191 00:08:59,160 --> 00:09:03,000 Speaker 5: It changes a lot. Yeah, Diving coaching very variable and 192 00:09:03,120 --> 00:09:05,600 Speaker 5: only during the school term. Sometimes I do athletics coaching 193 00:09:05,640 --> 00:09:09,600 Speaker 5: as well, depends, but that can range anywhere from three 194 00:09:09,720 --> 00:09:12,120 Speaker 5: hundred to six hundred dollars a fortnight. And then I 195 00:09:12,200 --> 00:09:14,440 Speaker 5: just do like casual babysitting if it pops up and 196 00:09:14,480 --> 00:09:15,200 Speaker 5: I'm free. 197 00:09:15,440 --> 00:09:17,120 Speaker 4: So that's between all of that. 198 00:09:17,240 --> 00:09:21,080 Speaker 5: My approximate annual income is probably around fifty nine K. 199 00:09:21,800 --> 00:09:25,280 Speaker 2: That's not too bad for a PhD student at this point, 200 00:09:25,400 --> 00:09:27,240 Speaker 2: but do you think that that is going to be 201 00:09:27,360 --> 00:09:30,720 Speaker 2: maintainable given you've just started your PhD. I feel like 202 00:09:30,840 --> 00:09:33,920 Speaker 2: every friend that has ever done a PhD kind of 203 00:09:34,000 --> 00:09:36,960 Speaker 2: ends up pulling out their hair, So do you think 204 00:09:36,960 --> 00:09:37,920 Speaker 2: that that's reality. 205 00:09:39,400 --> 00:09:43,640 Speaker 5: I'm hoping you'll stay like at least around fifty K 206 00:09:43,760 --> 00:09:46,360 Speaker 5: a year, but I guess, like you know, I'm still 207 00:09:46,440 --> 00:09:48,280 Speaker 5: waiting to see how to go at the moment because 208 00:09:48,280 --> 00:09:51,000 Speaker 5: I've just started. It's mainly just like admin and getting 209 00:09:51,000 --> 00:09:54,280 Speaker 5: everything set up, so there hasn't been too much on 210 00:09:54,320 --> 00:09:57,360 Speaker 5: my plate right now. And two of my families that 211 00:09:57,360 --> 00:09:59,720 Speaker 5: I have for nanny I'll give up next year, which 212 00:09:59,720 --> 00:10:01,880 Speaker 5: is why it'll go down to three hundred and sixty 213 00:10:02,120 --> 00:10:04,560 Speaker 5: dollars a week because that's just like three afternoons for 214 00:10:04,760 --> 00:10:06,960 Speaker 5: a couple of hours. Yeah wow, yeah, so I guess 215 00:10:07,040 --> 00:10:10,920 Speaker 5: we'll see. But fortunately, stuff like coaching that's usually in 216 00:10:10,960 --> 00:10:13,240 Speaker 5: the morning or after school and it's usually only for 217 00:10:13,320 --> 00:10:15,920 Speaker 5: like an hour tops, but you get paid for two 218 00:10:15,960 --> 00:10:18,760 Speaker 5: hours every time you go in anyway, so that like 219 00:10:18,920 --> 00:10:20,400 Speaker 5: that sort of helps because you don't have to work 220 00:10:20,440 --> 00:10:21,680 Speaker 5: as much and you still get paid. 221 00:10:21,720 --> 00:10:24,360 Speaker 2: That's a bit of a money win, but also really niche, 222 00:10:24,400 --> 00:10:26,400 Speaker 2: Like it's not something where I go, oh my gosh, 223 00:10:26,400 --> 00:10:29,280 Speaker 2: you're at UNI. You could absolutely pick up another barista shift, 224 00:10:29,520 --> 00:10:32,920 Speaker 2: like you're like, hey, I am actually a diving coach. Yeah, 225 00:10:32,960 --> 00:10:36,480 Speaker 2: that's quite niche. Is that because you grew up diving? 226 00:10:36,880 --> 00:10:37,160 Speaker 5: Yeah? 227 00:10:37,320 --> 00:10:41,199 Speaker 4: Yeah, Well I started off swimming. I guess like everyone's parents. 228 00:10:41,000 --> 00:10:44,559 Speaker 5: Chucked them in swimming lessons and the swimming pool that 229 00:10:44,679 --> 00:10:47,319 Speaker 5: I was learning to swim. I had a diving book 230 00:10:47,320 --> 00:10:50,400 Speaker 5: next certain least to beg mom every session. 231 00:10:50,240 --> 00:10:52,760 Speaker 4: Mom, Mom, I want to do that. Please, please let 232 00:10:52,800 --> 00:10:55,280 Speaker 4: me do that. And Mom's like really risk averse and 233 00:10:55,320 --> 00:10:55,760 Speaker 4: she's like. 234 00:10:56,200 --> 00:10:59,640 Speaker 5: No way, you can do yeah, not until you're at 235 00:10:59,720 --> 00:11:02,959 Speaker 5: least squad level swimming. I was like, oh, like, okay, 236 00:11:03,040 --> 00:11:04,920 Speaker 5: so I worked really hard to get out to that 237 00:11:04,960 --> 00:11:08,360 Speaker 5: point in swimming. They finally got to do diving us thrilled. 238 00:11:09,559 --> 00:11:11,960 Speaker 2: Oh my gosh, and now you're literally a coach. That 239 00:11:12,080 --> 00:11:15,640 Speaker 2: is so cool as somebody who also did squad swimming. 240 00:11:15,920 --> 00:11:18,439 Speaker 2: And you know what, I really didn't appreciate my parents 241 00:11:18,480 --> 00:11:21,199 Speaker 2: when I was in high school. Those like literal four 242 00:11:21,400 --> 00:11:24,520 Speaker 2: thirty am starts are not for the faint hearted, and 243 00:11:24,600 --> 00:11:27,880 Speaker 2: I used to hate it. Oh one out of ten 244 00:11:28,080 --> 00:11:31,600 Speaker 2: cannot recommend, but I'm impressed that you've stayed committed. 245 00:11:32,400 --> 00:11:33,200 Speaker 4: Yeah, we're diving. 246 00:11:33,280 --> 00:11:35,760 Speaker 5: Fortunately used to be like more late night sessions, so 247 00:11:35,800 --> 00:11:38,200 Speaker 5: I v six to eight pm instead of the early 248 00:11:38,200 --> 00:11:40,200 Speaker 5: ones because the swimmers would have to fall in the morning. 249 00:11:40,559 --> 00:11:43,480 Speaker 2: Yeah, that's fair, that's very fair. Smart from you, but 250 00:11:43,520 --> 00:11:45,520 Speaker 2: there's no chance you would get me to jump off 251 00:11:45,559 --> 00:11:49,320 Speaker 2: that thing on a consistent basis. Not how many all? Right, 252 00:11:49,400 --> 00:11:52,160 Speaker 2: money in forest? I want to know what is currently 253 00:11:52,200 --> 00:11:55,400 Speaker 2: your big money goal? What are we working towards? 254 00:11:55,440 --> 00:11:58,760 Speaker 5: Slowly but surely I'm working towards saving out for a 255 00:11:58,800 --> 00:12:00,880 Speaker 5: house deposit, So obviously I've still got to you know, 256 00:12:01,000 --> 00:12:04,480 Speaker 5: see how everything goes with the PhD. But assuming that 257 00:12:04,559 --> 00:12:07,360 Speaker 5: I can do like a couple of afternoons a week 258 00:12:07,360 --> 00:12:10,200 Speaker 5: of nanny like you know, I think that's maybe ten 259 00:12:10,240 --> 00:12:13,319 Speaker 5: hours across the whole week, and like a coaching here 260 00:12:13,360 --> 00:12:16,480 Speaker 5: and there. I should be able to save up and 261 00:12:16,640 --> 00:12:19,000 Speaker 5: up by the time that I've finished my PhD and 262 00:12:19,080 --> 00:12:20,679 Speaker 5: done like a full year of work, so I'll be 263 00:12:20,720 --> 00:12:23,120 Speaker 5: off probation after that period. 264 00:12:23,160 --> 00:12:24,520 Speaker 4: So that's what my goal is. 265 00:12:24,600 --> 00:12:27,440 Speaker 5: I suppose I'm aiming for like eighty to one hundred 266 00:12:27,760 --> 00:12:28,920 Speaker 5: as a deposit. 267 00:12:29,280 --> 00:12:29,680 Speaker 4: We'll see. 268 00:12:30,280 --> 00:12:33,559 Speaker 2: Oh my gosh, that's so clear. How did you come 269 00:12:33,600 --> 00:12:36,240 Speaker 2: to the conclusion that eighty tw one hundred thousand dollars 270 00:12:36,360 --> 00:12:37,600 Speaker 2: was the deposit you wanted. 271 00:12:37,800 --> 00:12:40,760 Speaker 4: I guess I'm just really interested in real estate. 272 00:12:40,800 --> 00:12:43,400 Speaker 5: Like I love going on real estate dot com and 273 00:12:43,400 --> 00:12:45,160 Speaker 5: going through the domain on the weekends and having a 274 00:12:45,160 --> 00:12:48,960 Speaker 5: look at everything. And like with the first home buyer, 275 00:12:49,400 --> 00:12:50,920 Speaker 5: I don't know the one where you don't have to 276 00:12:50,920 --> 00:12:51,360 Speaker 5: pay stamp. 277 00:12:51,400 --> 00:12:53,200 Speaker 4: Dude, I forget which ones they're all called. 278 00:12:53,240 --> 00:12:55,400 Speaker 2: Oh yeah, yeah, yeah, one of the schemes. 279 00:12:55,760 --> 00:12:58,199 Speaker 5: Yeah, with one of the schemes, like you can get 280 00:12:58,640 --> 00:13:02,800 Speaker 5: a house in quotations, because six hundred and fifty K 281 00:13:02,880 --> 00:13:07,000 Speaker 5: does not far your house in most capital cities around Australia. 282 00:13:07,480 --> 00:13:08,640 Speaker 4: But that's sort of. 283 00:13:08,640 --> 00:13:11,520 Speaker 5: What I was looking at, like a two bedroom apartment 284 00:13:11,679 --> 00:13:15,040 Speaker 5: in capital city and then i'd probably need around eighty 285 00:13:15,080 --> 00:13:18,240 Speaker 5: to one hundred if not more than that. Yeah, we'll 286 00:13:18,240 --> 00:13:19,800 Speaker 5: just see how it goes, but that's sort of what 287 00:13:19,840 --> 00:13:20,800 Speaker 5: I'm working towards. 288 00:13:21,080 --> 00:13:23,880 Speaker 2: Wow, I love this. I'm so excited to see you 289 00:13:23,960 --> 00:13:27,240 Speaker 2: do that. Next question I have for you is you're young, 290 00:13:27,240 --> 00:13:31,280 Speaker 2: you're doing your PhD. But do you have any investments? Yes? 291 00:13:31,360 --> 00:13:34,120 Speaker 2: I do, Actually, of course she does. She's too planned. 292 00:13:34,200 --> 00:13:34,840 Speaker 2: I love this. 293 00:13:36,679 --> 00:13:39,959 Speaker 5: So through my online broker, which is Steak that I've 294 00:13:39,960 --> 00:13:43,520 Speaker 5: got twenty five thousand invested in there. 295 00:13:43,960 --> 00:13:47,880 Speaker 2: Wait twenty five thousand at twenty three are you kidding me? 296 00:13:48,160 --> 00:13:49,760 Speaker 4: There's been a bit of help. 297 00:13:49,840 --> 00:13:52,320 Speaker 2: I'm not going to lie, so okay, but like that's 298 00:13:52,400 --> 00:13:53,120 Speaker 2: a lot. 299 00:13:54,000 --> 00:13:57,400 Speaker 5: Yeah, I try and can spit like five grand a year, 300 00:13:57,600 --> 00:13:59,000 Speaker 5: but I have to tence. 301 00:13:59,440 --> 00:14:00,680 Speaker 2: That's really good. 302 00:14:01,080 --> 00:14:04,800 Speaker 5: Yeah, I'm really excited about it. I like seeing how 303 00:14:04,840 --> 00:14:07,560 Speaker 5: it all goes up and down and everything. Yeah, and 304 00:14:07,600 --> 00:14:10,640 Speaker 5: I've got some money invested in raised not heat's like 305 00:14:10,720 --> 00:14:13,360 Speaker 5: four hundred and twenty five dollars. I think they've got 306 00:14:13,360 --> 00:14:16,240 Speaker 5: a notification today and I just like put five dollars 307 00:14:16,280 --> 00:14:19,520 Speaker 5: a week in their Emerald portfolio. I think so just again, 308 00:14:19,640 --> 00:14:22,320 Speaker 5: I like to see how the markets work, I suppose, 309 00:14:22,360 --> 00:14:25,280 Speaker 5: and it's a lower risk, well not a lower risk, 310 00:14:25,400 --> 00:14:28,400 Speaker 5: but like a smaller amount of money to play within. 311 00:14:28,480 --> 00:14:32,000 Speaker 2: There. Love good work, all right. Next question I have 312 00:14:32,040 --> 00:14:33,680 Speaker 2: for you is do you have any debts? If so, 313 00:14:33,720 --> 00:14:34,280 Speaker 2: what are they? 314 00:14:35,000 --> 00:14:38,400 Speaker 5: Just my HEX step at the moment, so I checked today, 315 00:14:39,080 --> 00:14:43,360 Speaker 5: that's about forty three K so my undergrad with my 316 00:14:43,440 --> 00:14:47,960 Speaker 5: honest degree, which is like, oh fine, you know, I 317 00:14:48,000 --> 00:14:51,160 Speaker 5: won't get anything more from my PhD, which is really great, 318 00:14:51,280 --> 00:14:53,920 Speaker 5: and I don't think I've started paying the hex back yet. 319 00:14:54,000 --> 00:14:56,320 Speaker 2: Oh my gosh. That's so exciting though. And I think 320 00:14:56,360 --> 00:14:58,400 Speaker 2: a lot of people don't know this, but if you 321 00:14:58,480 --> 00:15:02,240 Speaker 2: go to do postgraduates, they can be really really expensive. 322 00:15:02,680 --> 00:15:05,120 Speaker 2: Like when I was looking at doing my MBA, which 323 00:15:05,160 --> 00:15:08,960 Speaker 2: is a Master's of Business Administration, it can sit anywhere 324 00:15:08,960 --> 00:15:11,640 Speaker 2: between seventy and one hundred and fifty thousand dollars to 325 00:15:11,680 --> 00:15:14,760 Speaker 2: do that degree. However, if you went and did a PhD, 326 00:15:15,040 --> 00:15:18,120 Speaker 2: that's usually supported and you literally get paid to do it. 327 00:15:18,240 --> 00:15:19,720 Speaker 2: So not only are you going to get to call 328 00:15:19,760 --> 00:15:23,080 Speaker 2: yourself doctor money direst You're like way smarter than us 329 00:15:23,120 --> 00:15:25,760 Speaker 2: when it comes to financials because I'm still sitting on 330 00:15:25,840 --> 00:15:27,920 Speaker 2: six figures of hexteat and I just don't want to 331 00:15:27,960 --> 00:15:28,640 Speaker 2: talk about it. 332 00:15:30,400 --> 00:15:33,360 Speaker 5: I was tossing up between Masters of public health versus 333 00:15:33,400 --> 00:15:35,720 Speaker 5: doing a PhD in public health stuff, and that was. 334 00:15:35,720 --> 00:15:36,720 Speaker 4: One of the factors. 335 00:15:36,800 --> 00:15:41,720 Speaker 5: I was like, well, get like a higher qualification in quotations, 336 00:15:41,800 --> 00:15:44,240 Speaker 5: but I won't have to pay for it, so might 337 00:15:44,360 --> 00:15:44,720 Speaker 5: do that. 338 00:15:45,600 --> 00:15:49,120 Speaker 2: Yeah, money, money win, I love it all right. Next 339 00:15:49,200 --> 00:15:51,320 Speaker 2: question I've got for you does relate to a money 340 00:15:51,320 --> 00:15:53,920 Speaker 2: win as well, and it is do you use shopback? 341 00:15:54,400 --> 00:15:55,160 Speaker 4: Yes? I do? 342 00:15:55,440 --> 00:15:56,600 Speaker 2: Oh my gosh, what do you buy? 343 00:15:56,840 --> 00:15:59,560 Speaker 5: Honestly, mostly it's a gifts for other people that I 344 00:15:59,640 --> 00:16:03,360 Speaker 5: do line shopping for, so like you know, birthdays, Christmas, 345 00:16:03,360 --> 00:16:06,680 Speaker 5: et cetera. I love the iconic in particular, or I 346 00:16:06,760 --> 00:16:10,400 Speaker 5: love it when they have their upsized cash backs. But yeah, 347 00:16:10,440 --> 00:16:12,960 Speaker 5: I usually just anything that I'm buying online, I check 348 00:16:12,960 --> 00:16:14,520 Speaker 5: to see if I can use shot back. If it's 349 00:16:14,560 --> 00:16:16,560 Speaker 5: not urgent, I try and wait and see if I 350 00:16:16,600 --> 00:16:20,640 Speaker 5: can wait until there is an upsize, and then at 351 00:16:20,640 --> 00:16:23,040 Speaker 5: the same time, like if there's something I frequently use 352 00:16:23,120 --> 00:16:25,880 Speaker 5: so like I do swimming and diving and stuff, I. 353 00:16:25,520 --> 00:16:28,880 Speaker 4: Get dechlorination shampoo so like OZ Hair. 354 00:16:28,760 --> 00:16:31,320 Speaker 5: And Beauty is one of the places on shot back, 355 00:16:31,360 --> 00:16:34,440 Speaker 5: and they like frequently have upsides, so I usually wait 356 00:16:34,440 --> 00:16:36,400 Speaker 5: for them to have it like a seventeen percent cash 357 00:16:36,440 --> 00:16:38,760 Speaker 5: back and then I'll stock up smart. 358 00:16:38,800 --> 00:16:41,360 Speaker 2: That's a lot back. And I know, having done a 359 00:16:41,360 --> 00:16:43,080 Speaker 2: bit of swimming in my time, I know it doesn't 360 00:16:43,080 --> 00:16:45,280 Speaker 2: look like it, guys, but having done a little bit 361 00:16:45,280 --> 00:16:48,360 Speaker 2: of swimming all my time, that de chlorination shampoos really 362 00:16:48,400 --> 00:16:51,280 Speaker 2: expensive and it doesn't even feel as nice as it could. 363 00:16:51,520 --> 00:16:55,880 Speaker 4: I know. It's like fifty dollars for two bottles kills me. 364 00:16:55,840 --> 00:16:58,360 Speaker 2: And it doesn't even smell that nice. What the heck? 365 00:16:58,720 --> 00:17:01,120 Speaker 4: No, I usually use that and then a different one. 366 00:17:01,760 --> 00:17:05,320 Speaker 2: Yeah, smart, smart, All right, Next question I've got, I 367 00:17:05,400 --> 00:17:08,000 Speaker 2: want to know what is your best money habit? 368 00:17:08,240 --> 00:17:09,720 Speaker 4: Probably budgeting. 369 00:17:09,800 --> 00:17:12,640 Speaker 5: I love setting up my spreadsheets and like having all 370 00:17:12,680 --> 00:17:15,000 Speaker 5: my different incomes from different areas and breaking all the 371 00:17:15,080 --> 00:17:15,720 Speaker 5: numbers down. 372 00:17:16,160 --> 00:17:18,359 Speaker 4: And I have one friend who's let me do it 373 00:17:18,400 --> 00:17:20,360 Speaker 4: for her as well, so that was fun too. 374 00:17:20,520 --> 00:17:23,560 Speaker 2: Oh I love that. So you're you're me, You're like, 375 00:17:23,600 --> 00:17:24,440 Speaker 2: can I do your budget. 376 00:17:24,560 --> 00:17:29,920 Speaker 5: Yeah, a less qualified like, don't hate me for this budget. 377 00:17:30,280 --> 00:17:33,000 Speaker 2: No, no, it doesn't matter, Like budgeting is fun. Let 378 00:17:33,040 --> 00:17:36,560 Speaker 2: me at it with a spreadsheet. How fun. How did 379 00:17:36,560 --> 00:17:38,080 Speaker 2: that conversation come up? 380 00:17:38,200 --> 00:17:41,360 Speaker 5: Well, she actually listens to She's on the money as well, 381 00:17:41,440 --> 00:17:43,800 Speaker 5: so sometimes we talk about it and I lent her 382 00:17:44,200 --> 00:17:48,080 Speaker 5: my books, like of your books, I guess, and yeah, 383 00:17:48,119 --> 00:17:49,639 Speaker 5: we're talking about it, and I was talking about like 384 00:17:49,680 --> 00:17:54,200 Speaker 5: doing my budget because she's my boyfriend's sister. They're twins, 385 00:17:54,240 --> 00:17:57,119 Speaker 5: so we're all sort of friends together. So I was 386 00:17:57,119 --> 00:17:58,840 Speaker 5: doing his budget and then I was like, oh, like, 387 00:17:58,880 --> 00:18:02,440 Speaker 5: if you want me to do yours? 388 00:18:00,840 --> 00:18:04,080 Speaker 4: Oh yeah, so I've done them all. 389 00:18:05,200 --> 00:18:07,440 Speaker 2: That is literally my favorite thing I've heard a week. 390 00:18:07,560 --> 00:18:10,000 Speaker 2: That is the best. All right, I want to know next, though, 391 00:18:10,200 --> 00:18:11,960 Speaker 2: what is your worst money habit. 392 00:18:12,600 --> 00:18:14,800 Speaker 5: I'm really good at saving up for things right off 393 00:18:14,880 --> 00:18:16,959 Speaker 5: until I have to pay for something expensive. 394 00:18:17,480 --> 00:18:19,440 Speaker 4: So like last week, I had to get three new 395 00:18:19,440 --> 00:18:21,600 Speaker 4: tires on my car, which is like a nightmare. 396 00:18:22,160 --> 00:18:24,440 Speaker 5: I broke down in the middle of the West Gate 397 00:18:24,520 --> 00:18:26,600 Speaker 5: Freeway at five point thirty on the way to the airport. 398 00:18:26,640 --> 00:18:30,159 Speaker 4: It was like a disaster. I thought I was going 399 00:18:30,200 --> 00:18:30,520 Speaker 4: to die. 400 00:18:30,600 --> 00:18:32,000 Speaker 2: And then you can't get out of the car, and 401 00:18:32,040 --> 00:18:33,520 Speaker 2: you've got to stay in the car, and then you're 402 00:18:33,520 --> 00:18:36,520 Speaker 2: like getting stressed. No, no, that sounds terrible. I'm getting 403 00:18:36,560 --> 00:18:38,080 Speaker 2: secondary anxiety for you. 404 00:18:38,280 --> 00:18:41,840 Speaker 5: It was up there with the worst experiences of my life. 405 00:18:42,240 --> 00:18:45,960 Speaker 5: But after that, like you know, that tie obviously needed 406 00:18:45,960 --> 00:18:47,800 Speaker 5: to be replaced, and then the other ties were old too, 407 00:18:47,840 --> 00:18:48,520 Speaker 5: so we just got. 408 00:18:48,400 --> 00:18:50,160 Speaker 4: All of them. And then I'm like, oh, I spent 409 00:18:50,240 --> 00:18:52,160 Speaker 4: this much money, it may as well. 410 00:18:52,359 --> 00:18:55,480 Speaker 2: May as well bleed some more cash. 411 00:18:55,520 --> 00:18:58,879 Speaker 4: Exactly what's it going to do now? Like on, No, 412 00:19:00,280 --> 00:19:02,919 Speaker 4: that's probably my worst money. 413 00:19:02,400 --> 00:19:04,200 Speaker 2: That's not the worst money habit. But I do think 414 00:19:04,240 --> 00:19:06,760 Speaker 2: you deserved that in that moment. I feel like after 415 00:19:06,920 --> 00:19:10,280 Speaker 2: that traumatic experience, you definitely deserve to pick me up. Look, 416 00:19:10,320 --> 00:19:12,560 Speaker 2: I feel like it would take years off mine as well. 417 00:19:12,840 --> 00:19:16,400 Speaker 2: All right, next question before we go to a quick break, 418 00:19:16,520 --> 00:19:18,320 Speaker 2: I want to know what grade would you give your 419 00:19:18,320 --> 00:19:21,040 Speaker 2: money habits if we forced you to give yourself a grade? 420 00:19:21,320 --> 00:19:25,760 Speaker 4: I reckon like a low A, but a better A. 421 00:19:25,880 --> 00:19:28,040 Speaker 5: If I couldn't get on top of spending all my 422 00:19:28,119 --> 00:19:29,640 Speaker 5: money as soon as I have to buy. 423 00:19:29,520 --> 00:19:33,200 Speaker 2: Something, yeah, fair, And then what is there anything else 424 00:19:33,240 --> 00:19:35,200 Speaker 2: you'd have to change to get to an A plus. 425 00:19:35,320 --> 00:19:39,120 Speaker 5: I'd like to in best more, I guess, but I'm 426 00:19:39,160 --> 00:19:43,280 Speaker 5: focusing on saving my money from my house deposit eventually, 427 00:19:43,359 --> 00:19:46,199 Speaker 5: so I guess, like that's more what I'm focusing on, 428 00:19:46,240 --> 00:19:48,280 Speaker 5: and trying to stick to the budgets that I make 429 00:19:48,320 --> 00:19:50,520 Speaker 5: because I know they work. I've crunched the numbers, but 430 00:19:50,600 --> 00:19:53,200 Speaker 5: sometimes I'm like, well, maybe I need a bit more. 431 00:19:53,480 --> 00:19:55,720 Speaker 2: Oh my gosh, all right, I want to get into 432 00:19:55,720 --> 00:19:58,560 Speaker 2: the nitty gritty of how you literally got arrested when 433 00:19:58,560 --> 00:20:01,560 Speaker 2: your identity got stolen. So guys, don't go anywhere. We'll 434 00:20:01,560 --> 00:20:08,879 Speaker 2: be back after this really quick break. All right, money diarist, 435 00:20:09,000 --> 00:20:12,200 Speaker 2: we are back. You got arrested for things you didn't do. 436 00:20:12,720 --> 00:20:15,439 Speaker 2: You got your identity stolen, and it literally took a 437 00:20:15,640 --> 00:20:19,320 Speaker 2: year before anything actually happened. And for the person who 438 00:20:19,359 --> 00:20:22,760 Speaker 2: stole your identity to commit any crimes. I need to know, 439 00:20:22,840 --> 00:20:25,200 Speaker 2: how did it happen, How did they steal your identity? 440 00:20:25,240 --> 00:20:26,840 Speaker 2: How can I stop this happening to me? 441 00:20:27,600 --> 00:20:28,440 Speaker 4: Well, at the. 442 00:20:28,400 --> 00:20:30,800 Speaker 5: Time, I was like first year UNI, obviously, you know, 443 00:20:30,880 --> 00:20:34,440 Speaker 5: like going out with friends and like just doing random 444 00:20:34,480 --> 00:20:36,640 Speaker 5: things all the time, I guess, and not really keeping 445 00:20:37,240 --> 00:20:41,800 Speaker 5: enough attention to where my wallet was and so over 446 00:20:41,840 --> 00:20:44,080 Speaker 5: the course of first year UNI, I lost my walt 447 00:20:44,119 --> 00:20:46,120 Speaker 5: three times, so I really had it coming. 448 00:20:46,400 --> 00:20:48,680 Speaker 2: Oh my gosh, you was setting yourself up for this. 449 00:20:48,920 --> 00:20:52,919 Speaker 5: Yeah, hmm, absolutely. But the time that I think was 450 00:20:52,960 --> 00:20:55,680 Speaker 5: when they stole my identity. We were literally just sitting 451 00:20:55,720 --> 00:20:59,880 Speaker 5: at dinner and I had my of wallet on the table, 452 00:21:00,320 --> 00:21:01,040 Speaker 5: I think. 453 00:21:01,040 --> 00:21:04,040 Speaker 2: And this is in Melbourne, right, this isn't somewhere Yeah, 454 00:21:04,080 --> 00:21:07,159 Speaker 2: in Melbourne, completely like random. 455 00:21:06,760 --> 00:21:07,760 Speaker 4: In Ligon Street. 456 00:21:07,880 --> 00:21:08,920 Speaker 2: Oh gosh. 457 00:21:09,080 --> 00:21:11,280 Speaker 5: Yeah, So sitting out on Lagan Street and I was like, 458 00:21:11,320 --> 00:21:13,439 Speaker 5: are with a couple of friends after UNI, just grabbing 459 00:21:13,480 --> 00:21:16,520 Speaker 5: like a bite to eat. And I didn't know this 460 00:21:16,680 --> 00:21:19,160 Speaker 5: at all, but I think someone rubbed my wallet because 461 00:21:19,160 --> 00:21:21,840 Speaker 5: then I like went to go meet my family for 462 00:21:22,040 --> 00:21:24,560 Speaker 5: dinner because family friends were over from the States and 463 00:21:24,560 --> 00:21:26,359 Speaker 5: they were going out to dinner somewhere close by. So 464 00:21:26,400 --> 00:21:28,359 Speaker 5: I went to go and meet them, and when I 465 00:21:28,400 --> 00:21:31,000 Speaker 5: got there, I realized that I didn't have my wallet. 466 00:21:31,240 --> 00:21:33,000 Speaker 4: I was like, what on earth? I'm sure I had 467 00:21:33,000 --> 00:21:34,840 Speaker 4: it with me, like it was on the table. 468 00:21:34,880 --> 00:21:36,280 Speaker 5: I would have brought it with me, and I thought 469 00:21:36,280 --> 00:21:38,240 Speaker 5: maybe I'd left it on the trainer and I brought 470 00:21:38,320 --> 00:21:39,400 Speaker 5: something and I was calling everyone. 471 00:21:39,440 --> 00:21:41,119 Speaker 4: I was like, I don't know where it is, and 472 00:21:41,160 --> 00:21:42,760 Speaker 4: it just like never turned up. 473 00:21:42,800 --> 00:21:45,240 Speaker 5: But obviously at this point, I've done this twice that 474 00:21:45,359 --> 00:21:48,520 Speaker 5: year already, so I was like, oh, whatever, cancel the cards, 475 00:21:48,680 --> 00:21:51,440 Speaker 5: order the new ones, so and so on. Life goes 476 00:21:51,480 --> 00:21:52,280 Speaker 5: on sort of thing. 477 00:21:52,560 --> 00:21:54,760 Speaker 2: She has a process, she'd done this, she's been here 478 00:21:54,880 --> 00:21:56,000 Speaker 2: for this, practiced. 479 00:21:57,480 --> 00:21:57,720 Speaker 4: Yeah. 480 00:21:57,760 --> 00:22:01,720 Speaker 5: So then nothing happened until halfway through second year. So 481 00:22:01,840 --> 00:22:05,399 Speaker 5: this is halfway through twenty nineteen, towards the end of 482 00:22:05,480 --> 00:22:09,119 Speaker 5: first semester, and then my dad got an email from 483 00:22:09,280 --> 00:22:11,439 Speaker 5: the policeman the constable. 484 00:22:11,000 --> 00:22:14,600 Speaker 2: Which still shocks me that they're just chill. That's ridiculous, Like, 485 00:22:14,760 --> 00:22:16,880 Speaker 2: no call, they didn't even try and call you, They 486 00:22:17,000 --> 00:22:19,480 Speaker 2: just email you, Dad, And like, by the way, no, 487 00:22:19,680 --> 00:22:22,560 Speaker 2: I was shocked your daughter as a criminal kiss kiss. 488 00:22:23,960 --> 00:22:25,520 Speaker 4: At that point, I was nearly twenty. 489 00:22:25,640 --> 00:22:27,960 Speaker 2: Yeah, I hope this email finds you well. 490 00:22:29,359 --> 00:22:31,960 Speaker 4: Genuinely, I was like, why aren't they contacting me? Like 491 00:22:32,040 --> 00:22:35,480 Speaker 4: I'm an adult. This is so weird. 492 00:22:36,119 --> 00:22:38,439 Speaker 6: I feel like this is some level of breach of 493 00:22:38,560 --> 00:22:42,000 Speaker 6: privacy from big police. Like I don't know, but I'd 494 00:22:42,000 --> 00:22:45,080 Speaker 6: be pretty mad if they were calling my parents about 495 00:22:45,119 --> 00:22:48,040 Speaker 6: something i'd been doing. What if you have been doing 496 00:22:48,119 --> 00:22:49,919 Speaker 6: it and they just outed you to your parents and 497 00:22:49,960 --> 00:22:51,720 Speaker 6: they're not the person that you would call it, baile 498 00:22:51,760 --> 00:22:52,360 Speaker 6: you out. 499 00:22:52,359 --> 00:22:57,920 Speaker 5: Like jeez, thank you constable. Yeah no, And so Dad 500 00:22:58,040 --> 00:23:01,160 Speaker 5: like chexts me with a screen shot. Well I'm in class, 501 00:23:01,760 --> 00:23:03,400 Speaker 5: and he's like, you know, like what have you done? 502 00:23:03,480 --> 00:23:05,159 Speaker 5: I was like, oh my god, like I have not 503 00:23:05,240 --> 00:23:07,480 Speaker 5: done anything. I have no idea what's going on. And 504 00:23:07,560 --> 00:23:08,400 Speaker 5: he's like, oh what. 505 00:23:08,520 --> 00:23:11,000 Speaker 4: And then everyone was freaking out and mom and dad 506 00:23:11,000 --> 00:23:12,199 Speaker 4: were like, oh, we got to. 507 00:23:12,160 --> 00:23:14,320 Speaker 5: Talk to a lawyer, like so on and so forth, because, 508 00:23:14,359 --> 00:23:16,840 Speaker 5: as I said earlier, like we we thought it was 509 00:23:16,880 --> 00:23:18,679 Speaker 5: like a scam to start with, because it was like 510 00:23:18,760 --> 00:23:22,359 Speaker 5: quite a unique name that again never heard before. 511 00:23:22,400 --> 00:23:23,880 Speaker 4: I don't think I'll ever hear it again. 512 00:23:23,920 --> 00:23:25,840 Speaker 2: And we're like, yeah, he's listening to it now, and 513 00:23:25,880 --> 00:23:28,080 Speaker 2: he's like, hey, I'm not a scammer. I'm just a 514 00:23:28,119 --> 00:23:30,359 Speaker 2: friendly cop who's just trying to dub on you to 515 00:23:30,400 --> 00:23:36,200 Speaker 2: your dad exactly exactly. So what then happened? You literally 516 00:23:36,320 --> 00:23:38,640 Speaker 2: ended up getting arrested so that you could be formally 517 00:23:38,640 --> 00:23:41,919 Speaker 2: interviewed by police. You clearly got let go, which is 518 00:23:42,160 --> 00:23:45,600 Speaker 2: a win, a money win, they could say. But how 519 00:23:45,720 --> 00:23:48,080 Speaker 2: much money or how much debt had they racked up, 520 00:23:48,119 --> 00:23:51,280 Speaker 2: because we talked about credit history before, like what were 521 00:23:51,280 --> 00:23:53,520 Speaker 2: they doing? How were they using your identity? 522 00:23:54,200 --> 00:23:57,240 Speaker 4: They had done a whole bunch of different things. 523 00:23:57,240 --> 00:24:01,880 Speaker 5: Obviously there was it was mainly like fast loan kind 524 00:24:01,880 --> 00:24:02,639 Speaker 5: of things. 525 00:24:02,720 --> 00:24:04,320 Speaker 4: I forget what they were all called. 526 00:24:04,359 --> 00:24:07,080 Speaker 5: I think the most like well known of those would 527 00:24:07,080 --> 00:24:08,280 Speaker 5: have been Latitude. 528 00:24:08,400 --> 00:24:10,720 Speaker 4: They spent the most money there, I think, But. 529 00:24:10,840 --> 00:24:14,760 Speaker 5: Overall it was like, I think somewhere between forty and 530 00:24:14,840 --> 00:24:16,679 Speaker 5: sixty thousand dollars in credit. 531 00:24:16,880 --> 00:24:17,320 Speaker 2: Wow. 532 00:24:17,440 --> 00:24:20,639 Speaker 5: From memory, I think one of them was like like 533 00:24:20,720 --> 00:24:23,520 Speaker 5: they have hired out a boat. 534 00:24:23,320 --> 00:24:27,200 Speaker 4: Or something and didn't return it. There's some weird things 535 00:24:27,240 --> 00:24:27,560 Speaker 4: in there. 536 00:24:28,720 --> 00:24:31,520 Speaker 2: What on ear So they've got like a lot of 537 00:24:31,560 --> 00:24:35,000 Speaker 2: fast credit, which kind of makes sense for identity theft 538 00:24:35,240 --> 00:24:39,119 Speaker 2: purely because fast cash. We all lack some fast cash, 539 00:24:39,280 --> 00:24:42,160 Speaker 2: especially if it is stolen. But a boat, what were 540 00:24:42,160 --> 00:24:44,760 Speaker 2: they doing just having a good boat weekend? 541 00:24:45,119 --> 00:24:45,760 Speaker 4: I don't know. 542 00:24:46,600 --> 00:24:48,600 Speaker 5: It was weird because like when you're cleaning up the 543 00:24:48,600 --> 00:24:50,760 Speaker 5: credit record, you have to go through and like call 544 00:24:50,840 --> 00:24:52,960 Speaker 5: in all of the individual companies and send them like 545 00:24:53,000 --> 00:24:54,919 Speaker 5: the stat deck and the police report and all this 546 00:24:55,000 --> 00:24:57,760 Speaker 5: other stuff, and you know, prove that you're right. D's 547 00:24:57,880 --> 00:24:59,879 Speaker 5: changed off, like there's just so much stuff you have 548 00:24:59,920 --> 00:25:00,199 Speaker 5: to do. 549 00:25:01,080 --> 00:25:03,280 Speaker 4: And yeah, I was calling that one and they weren't 550 00:25:03,400 --> 00:25:05,000 Speaker 4: like a like a credit. 551 00:25:04,680 --> 00:25:08,800 Speaker 5: Place, and I was like, this is weird, okay, and 552 00:25:09,000 --> 00:25:10,280 Speaker 5: yeah they took it off my record. 553 00:25:10,880 --> 00:25:13,560 Speaker 2: Yeah, hello, sorry about your bouch. I wish I had 554 00:25:13,600 --> 00:25:16,440 Speaker 2: a bouche. I don't have a bow. Oh my gosh, 555 00:25:16,560 --> 00:25:18,040 Speaker 2: that is so bizarre. 556 00:25:18,840 --> 00:25:19,159 Speaker 4: I know. 557 00:25:19,600 --> 00:25:22,080 Speaker 2: Do we have an update on this case? Have they 558 00:25:22,200 --> 00:25:24,600 Speaker 2: found the person who did it? Are they in trouble? 559 00:25:24,760 --> 00:25:26,520 Speaker 2: Is this just something that can happen and you just 560 00:25:26,560 --> 00:25:28,720 Speaker 2: wipe it off like you're giving me anxiety? 561 00:25:29,359 --> 00:25:31,960 Speaker 5: I think they had found the person, so I suppose 562 00:25:32,160 --> 00:25:35,400 Speaker 5: back to earlier how it all came up was because 563 00:25:35,520 --> 00:25:40,200 Speaker 5: this woman who'd taken my identity had used my identity 564 00:25:40,480 --> 00:25:44,120 Speaker 5: and then stolen this other guy's cards and was buying 565 00:25:44,520 --> 00:25:47,240 Speaker 5: things with his cards in my name, if that makes sense. 566 00:25:47,440 --> 00:25:50,280 Speaker 2: Yeah, okay, so they thought you were being dodgy. 567 00:25:50,680 --> 00:25:53,560 Speaker 5: Yeah, so they I think it was like culture Kings 568 00:25:53,680 --> 00:25:55,800 Speaker 5: or something she was doing clicking collects in my name 569 00:25:55,840 --> 00:25:56,720 Speaker 5: but like not paying. 570 00:25:56,880 --> 00:25:58,800 Speaker 4: I can't quite remember how all. 571 00:25:59,160 --> 00:26:03,080 Speaker 5: Panned out, but they had her on security footage. So 572 00:26:03,280 --> 00:26:05,920 Speaker 5: in the eMate, well, in the subsequent emails to. 573 00:26:05,920 --> 00:26:07,439 Speaker 4: My dad, they were like, oh, can you just like 574 00:26:07,520 --> 00:26:08,000 Speaker 4: send us. 575 00:26:07,880 --> 00:26:09,720 Speaker 5: A photo of your daughter and we'll just like rule 576 00:26:09,720 --> 00:26:11,119 Speaker 5: her out as long as she doesn't look like this 577 00:26:11,160 --> 00:26:14,800 Speaker 5: person that we're chasing down. But then Dad like emailed 578 00:26:14,800 --> 00:26:16,399 Speaker 5: a photo of me and they're like, oh, no, actually 579 00:26:16,440 --> 00:26:18,399 Speaker 5: they look kind of similar. Did she come in please, 580 00:26:18,920 --> 00:26:22,399 Speaker 5: because obviously, like she's got my like driver's license, so 581 00:26:22,440 --> 00:26:24,520 Speaker 5: she you know, changed her hand and like whatever. So 582 00:26:24,560 --> 00:26:27,240 Speaker 5: she looked like obviously, if I was looking at the photo, 583 00:26:27,280 --> 00:26:29,800 Speaker 5: I'd be like, that's not me. But like, you know, 584 00:26:29,920 --> 00:26:32,560 Speaker 5: to someone who never met me and only had one 585 00:26:32,640 --> 00:26:33,760 Speaker 5: random photo. 586 00:26:33,480 --> 00:26:34,520 Speaker 2: I needed to check. 587 00:26:34,680 --> 00:26:36,920 Speaker 4: Yeah, Dad didn't even like ask my advice on the phone. 588 00:26:36,960 --> 00:26:38,719 Speaker 4: I said, come on. 589 00:26:38,200 --> 00:26:41,600 Speaker 2: Anyway, Oh so you didn't even send a good picture 590 00:26:41,640 --> 00:26:46,159 Speaker 2: of you. No one out of ten, dad, one. So 591 00:26:46,359 --> 00:26:48,520 Speaker 2: very strange for the cops to just email you and 592 00:26:48,560 --> 00:26:52,320 Speaker 2: be like, hello, kind sir, please send a high RESK 593 00:26:52,560 --> 00:26:53,359 Speaker 2: picture of your. 594 00:26:53,280 --> 00:26:56,400 Speaker 5: Daughter to ask we'd like to rule her out from 595 00:26:56,400 --> 00:27:00,440 Speaker 5: a crime. Thanks, Like that is guinely. 596 00:27:01,520 --> 00:27:04,879 Speaker 2: Look, I have absolutely no doubt that you're telling the truth. 597 00:27:05,160 --> 00:27:08,639 Speaker 2: Sometimes the truth is more bizarre than a lie or 598 00:27:08,680 --> 00:27:09,800 Speaker 2: a story it's. 599 00:27:09,640 --> 00:27:11,840 Speaker 4: Too ridiculous to not be true. 600 00:27:12,200 --> 00:27:15,280 Speaker 2: Yeah, it's a lot. What does your dad think of that? Now? 601 00:27:15,480 --> 00:27:17,560 Speaker 2: Is this something that just comes up at family Christmas? 602 00:27:17,600 --> 00:27:18,760 Speaker 2: Like you're the family criminal? 603 00:27:18,800 --> 00:27:19,000 Speaker 4: Now? 604 00:27:19,280 --> 00:27:20,200 Speaker 2: Is that how this works? 605 00:27:20,480 --> 00:27:22,960 Speaker 4: No, it's just like funny. 606 00:27:23,000 --> 00:27:25,480 Speaker 5: All my friends and everyone knows about it, and it's 607 00:27:25,480 --> 00:27:28,560 Speaker 5: all just like the biggest gag. It's like whenever you know, 608 00:27:28,680 --> 00:27:31,240 Speaker 5: on the old occasion like never have I ever or 609 00:27:31,280 --> 00:27:33,600 Speaker 5: like someone's like, oh, like never ever been arrested? 610 00:27:33,680 --> 00:27:38,280 Speaker 4: I was like I remember that time. Oh no, yes, 611 00:27:40,000 --> 00:27:40,840 Speaker 4: that sort of thing. 612 00:27:40,960 --> 00:27:43,040 Speaker 2: To be honest, it sounds like this has actually worked 613 00:27:43,080 --> 00:27:45,920 Speaker 2: out really nicely. Yeah, because a lot of people who 614 00:27:45,960 --> 00:27:48,800 Speaker 2: go through processes like this don't end up in as 615 00:27:48,880 --> 00:27:52,119 Speaker 2: lucky as circumstances. So I kind of want to know 616 00:27:52,200 --> 00:27:54,920 Speaker 2: because we've had someone on the podcast before where, you know, 617 00:27:55,080 --> 00:27:58,119 Speaker 2: completely different situation. It was actually a partner who had 618 00:27:58,200 --> 00:28:00,359 Speaker 2: racked up a whole heap of debt in there name 619 00:28:00,960 --> 00:28:03,280 Speaker 2: what did you do to get out of that? So 620 00:28:03,359 --> 00:28:06,080 Speaker 2: you spoke to a lawyer through your family, and then 621 00:28:06,119 --> 00:28:09,439 Speaker 2: what did you do contact every single credit company? And 622 00:28:09,520 --> 00:28:10,480 Speaker 2: what happened? 623 00:28:11,119 --> 00:28:13,720 Speaker 5: So after like I'd had the interview with the police 624 00:28:13,720 --> 00:28:15,320 Speaker 5: and they were like, is this your email? And I 625 00:28:15,359 --> 00:28:17,520 Speaker 5: was like, no, is this your phone number? No, so 626 00:28:17,600 --> 00:28:20,440 Speaker 5: and so forth, because obviously this person made all these documents. 627 00:28:20,119 --> 00:28:20,720 Speaker 4: In my name. 628 00:28:21,359 --> 00:28:23,360 Speaker 5: Then they were like right, you know, like you're free 629 00:28:23,359 --> 00:28:30,120 Speaker 5: to go, but i'd have mugshots and fingerprints so they 630 00:28:30,280 --> 00:28:32,560 Speaker 5: get rid of They destroy them as long as you 631 00:28:32,600 --> 00:28:35,359 Speaker 5: haven't been linked to a crime, like within six months 632 00:28:35,400 --> 00:28:38,240 Speaker 5: of them collecting them, and I was like, oh, yeah, okay, no. 633 00:28:38,280 --> 00:28:40,280 Speaker 2: I kind of want them to keep that. The idea 634 00:28:40,280 --> 00:28:42,920 Speaker 2: that I have a mug shot on file definitely gives 635 00:28:42,960 --> 00:28:43,960 Speaker 2: me more street credit. 636 00:28:44,160 --> 00:28:46,080 Speaker 4: I know, like if I ever went missing, it would 637 00:28:46,080 --> 00:28:47,480 Speaker 4: come out. I'm sure, but. 638 00:28:48,480 --> 00:28:50,760 Speaker 2: Don't go missing. We don't want to see those. 639 00:28:52,120 --> 00:28:55,080 Speaker 5: I know. After that, because they'd like cleared me of 640 00:28:55,160 --> 00:28:58,200 Speaker 5: being involved with it, I suppose they wrote me like 641 00:28:58,240 --> 00:29:00,600 Speaker 5: a police report with the whole situation, did a stat 642 00:29:00,600 --> 00:29:03,840 Speaker 5: deck for me, which was really helpful because then I 643 00:29:03,960 --> 00:29:07,280 Speaker 5: just took those documents to like all the different credit 644 00:29:07,320 --> 00:29:09,200 Speaker 5: providers and I was like, here's the police support, here's 645 00:29:09,200 --> 00:29:11,280 Speaker 5: the stat deck, like this is what happened. Take it 646 00:29:11,320 --> 00:29:15,320 Speaker 5: off my report please, And some places were really really helpful, 647 00:29:15,400 --> 00:29:18,520 Speaker 5: like Latitude for example. Again they were so nice and 648 00:29:18,560 --> 00:29:20,800 Speaker 5: so helpful and like telling me all these different things 649 00:29:20,840 --> 00:29:22,640 Speaker 5: I should be aware of and to contact big roads 650 00:29:22,680 --> 00:29:25,480 Speaker 5: and everything. But other places would just give you like 651 00:29:25,560 --> 00:29:27,280 Speaker 5: the third degree and they're like, oh, well, you know 652 00:29:27,440 --> 00:29:29,200 Speaker 5: if this is a scam, and you're on the other 653 00:29:29,280 --> 00:29:30,959 Speaker 5: end of the frame and being like it is like 654 00:29:31,040 --> 00:29:33,160 Speaker 5: I have the police support and I've got the stat 655 00:29:33,200 --> 00:29:35,560 Speaker 5: deck and I've sent them to you there in your inbox. 656 00:29:35,200 --> 00:29:37,840 Speaker 2: And like call the cops, ask them. 657 00:29:37,640 --> 00:29:40,280 Speaker 5: Yeah, listally and they're like, oh well if and you're like, 658 00:29:40,280 --> 00:29:42,360 Speaker 5: oh my gosh, come on, just take it off, would you? 659 00:29:42,680 --> 00:29:44,080 Speaker 4: Like it was ridiculous. 660 00:29:44,080 --> 00:29:47,360 Speaker 5: And this all happened right before, like within a month 661 00:29:47,400 --> 00:29:50,800 Speaker 5: of me leaving to go on exchange take Canada for 662 00:29:50,920 --> 00:29:53,800 Speaker 5: six months, so I was like desperately trying to get 663 00:29:53,840 --> 00:29:55,520 Speaker 5: it all done. And then I sort of left and 664 00:29:55,560 --> 00:29:57,480 Speaker 5: I was like, oh well, whatever, I'm in another country now. 665 00:29:57,520 --> 00:29:59,320 Speaker 5: And then I got back and checked and then went 666 00:29:59,320 --> 00:30:01,200 Speaker 5: through the whole proce again with the people that. 667 00:30:01,240 --> 00:30:05,800 Speaker 4: Hadn't changed it yet. So yeah, after you know, eight 668 00:30:05,840 --> 00:30:07,480 Speaker 4: months later, it's finally sought. 669 00:30:07,960 --> 00:30:11,160 Speaker 2: That's crazy. I feel like that story actually gives me 670 00:30:11,200 --> 00:30:13,960 Speaker 2: a little bit of hope though that Obviously you were 671 00:30:14,040 --> 00:30:16,200 Speaker 2: quite confident. You're like, I didn't do this. There was 672 00:30:16,240 --> 00:30:18,920 Speaker 2: not a lot of trauma involved in the circumstances, so 673 00:30:18,960 --> 00:30:21,080 Speaker 2: you're probably very confident picking up the phone being like 674 00:30:21,200 --> 00:30:24,880 Speaker 2: absolutely not. But for people who go through these circumstances 675 00:30:24,880 --> 00:30:27,240 Speaker 2: and are just really unsure, I guess the process is 676 00:30:27,560 --> 00:30:30,320 Speaker 2: talk to the police, then talk to the credit issuers, 677 00:30:30,360 --> 00:30:33,520 Speaker 2: and actually work out what the process is, because this 678 00:30:33,800 --> 00:30:35,680 Speaker 2: is just proof that you can get out of it, 679 00:30:35,880 --> 00:30:37,920 Speaker 2: and it just might take a little bit more life, 680 00:30:37,960 --> 00:30:39,280 Speaker 2: Adamin than you'd like it to. 681 00:30:39,560 --> 00:30:40,440 Speaker 4: Yeah, exactly. 682 00:30:40,480 --> 00:30:45,000 Speaker 5: The most difficult part for me was contacting Equifax because 683 00:30:45,040 --> 00:30:47,120 Speaker 5: at that age, and I suppose of it now, like 684 00:30:47,400 --> 00:30:50,200 Speaker 5: I've never had any credit in my own name, so 685 00:30:50,240 --> 00:30:53,240 Speaker 5: they didn't actually have like a credit file for me. 686 00:30:53,800 --> 00:30:55,640 Speaker 4: So this woman, because like you. 687 00:30:55,600 --> 00:30:57,640 Speaker 5: Know, your license has like your first name, the first 688 00:30:57,680 --> 00:30:59,560 Speaker 5: an issue of your middle name and your last name, 689 00:30:59,760 --> 00:31:02,320 Speaker 5: this person like made up a middle name for me, 690 00:31:02,360 --> 00:31:04,960 Speaker 5: which was not my middle name. So when I was 691 00:31:04,960 --> 00:31:08,920 Speaker 5: trying to like prove us to Equifax, they were like, oh, 692 00:31:08,920 --> 00:31:10,880 Speaker 5: well that's not your middle name, and they'd like made 693 00:31:10,920 --> 00:31:13,840 Speaker 5: up all this like employment history as well that i'd 694 00:31:13,880 --> 00:31:15,520 Speaker 5: like worked at Telshi stuff. 695 00:31:15,560 --> 00:31:19,920 Speaker 2: I was like, oh, good boy, congratulations on the promotions. 696 00:31:20,320 --> 00:31:21,320 Speaker 4: Yeah, thanks, thanks. 697 00:31:21,760 --> 00:31:23,760 Speaker 5: But when I was trying to you know, prove my 698 00:31:23,800 --> 00:31:26,080 Speaker 5: identity to them, they were like, oh, well, that's not 699 00:31:26,120 --> 00:31:28,920 Speaker 5: your middle name, that's not your work history, that's not 700 00:31:29,080 --> 00:31:32,280 Speaker 5: like your credit blah blah. So that was like so 701 00:31:32,480 --> 00:31:34,760 Speaker 5: frustrating because it took a while to even be able 702 00:31:34,800 --> 00:31:37,800 Speaker 5: to access the credit report, and I couldn't block more 703 00:31:37,840 --> 00:31:39,160 Speaker 5: credit until I could. 704 00:31:39,040 --> 00:31:40,400 Speaker 4: Access it in the first place. 705 00:31:40,440 --> 00:31:43,280 Speaker 5: In the meantime, we're still getting like letters at home 706 00:31:43,320 --> 00:31:47,160 Speaker 5: from banks and AMEX and whatever, and this person, I'm 707 00:31:47,160 --> 00:31:49,080 Speaker 5: pretty sure they came to like familyhouse and like went 708 00:31:49,120 --> 00:31:51,000 Speaker 5: through ound mail and was like stealing the ones that 709 00:31:51,000 --> 00:31:52,320 Speaker 5: were addressed to me as well. 710 00:31:52,840 --> 00:31:56,280 Speaker 4: Yeah, so it was just like a nightmare. 711 00:31:56,280 --> 00:31:59,840 Speaker 5: But once I finally got the Equifax identity sorted, then 712 00:32:00,080 --> 00:32:02,800 Speaker 5: they've blocked it and I had enough time to remove everything. 713 00:32:02,960 --> 00:32:06,320 Speaker 2: That is terrifying and the idea that they potentially came 714 00:32:06,360 --> 00:32:08,320 Speaker 2: to your family home and went through your mail and 715 00:32:08,360 --> 00:32:11,400 Speaker 2: stole the ones that they needed, oh. 716 00:32:10,880 --> 00:32:13,920 Speaker 5: Yeah, because they've got your address and they know, yeah, 717 00:32:14,000 --> 00:32:16,080 Speaker 5: it's really ridiculous. 718 00:32:15,560 --> 00:32:17,719 Speaker 2: You know what. That's the part that makes me feel 719 00:32:17,800 --> 00:32:21,720 Speaker 2: really gross. Yeah, no, that is very unsettling. Oh my gosh, 720 00:32:21,720 --> 00:32:24,560 Speaker 2: Money dires. This has been a pleasure having a chat 721 00:32:24,600 --> 00:32:27,400 Speaker 2: with you. I feel like we are already best friends, 722 00:32:27,720 --> 00:32:31,080 Speaker 2: but unfortunately that is all we have time for today. 723 00:32:31,240 --> 00:32:33,800 Speaker 2: So thank you so much for joining us, no. 724 00:32:33,840 --> 00:32:35,520 Speaker 4: Problem, Thanks so much for having me. It's been so 725 00:32:35,760 --> 00:32:36,840 Speaker 4: lovely to chat to you. 726 00:32:43,480 --> 00:32:46,040 Speaker 2: The advice shared on She's on the Money is general 727 00:32:46,080 --> 00:32:49,960 Speaker 2: in nature and does not consider your individual circumstances. She's 728 00:32:50,000 --> 00:32:53,440 Speaker 2: on the Money exists purely for educational purposes and should 729 00:32:53,480 --> 00:32:56,640 Speaker 2: not be relied upon to make an investment or financial decision. 730 00:32:57,040 --> 00:32:59,480 Speaker 2: If you do choose to buy a financial product, read 731 00:32:59,480 --> 00:33:03,640 Speaker 2: the PDA TMD and obtain appropriate financial advice tailored towards 732 00:33:03,680 --> 00:33:06,960 Speaker 2: your needs. Victoria Divine and She's on the Money are 733 00:33:07,000 --> 00:33:10,360 Speaker 2: authorized representatives of Money sherper P, T Y L t 734 00:33:10,520 --> 00:33:13,280 Speaker 2: D A B N three two one six four nine 735 00:33:13,400 --> 00:33:16,360 Speaker 2: two seven seven zero eight a F s L four 736 00:33:16,440 --> 00:33:20,120 Speaker 2: five one two eight nine