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Speaker 1: Mom always always said, be careful love those almbles.

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Speaker 2: Little well, use your head.

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Speaker 1: They will tear you up like a paper too.

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Speaker 3: Oh no no.

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Speaker 2: Yeah yeah yeah yeah, oh no no no, then they

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Speaker 2: smellagi dalling.

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Speaker 1: Anyway, it's a lethal thoughts that'll bring you down, shouting

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Speaker 1: to get your tipsy like god, drink love drunk girls.

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Speaker 3: Oh that's up.

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Speaker 4: No, Hi, I'm Amanda, and I'm relieved.

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Speaker 3: Welcome to It's it's Laylez.

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Speaker 5: We're in a long distance friendship that started twenty years

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Speaker 5: ago when you were in high school.

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Speaker 6: We'll be talking about all things life, love, family, anything

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Speaker 6: and everything else under the.

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Speaker 3: Such doll deeper with that, because it's life, you know.

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Speaker 4: Jeanette my ze stacked on stack.

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Speaker 3: It's jays layerd.

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Speaker 4: How have you.

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Speaker 6: I'm good, I'm so good, my love. I'm just having

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Speaker 6: some tea, some lemon tea. It's getting colder and colder here.

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Speaker 6: Winter is coming.

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Speaker 3: Winter has come. We're waiting for a real spring to arrive. Today.

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Speaker 5: It looks like it might be twenty four degrees so summer. Yeah, Temple,

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Speaker 5: we've had in a minute. But yeah, I'm drinking coffee.

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Speaker 4: It's funny. Every degree means like the world. You like,

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Speaker 4: what degree you feel it, you literally feel it.

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Speaker 5: Sunshine. Sunshine is clutch, comes in clutch. That's all I'm saying.

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Speaker 4: Do you have do you have major plans for summer?

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Speaker 3: Summer?

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Speaker 5: Hot girl summer? Well, once I get fully vaccinated. Yeah,

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Speaker 5: I do have some plans locally and internationally, hoping to

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Speaker 5: see some family.

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Speaker 3: That is the prayer.

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Speaker 4: Yeah.

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Speaker 3: You know, also with COVID, things just change, you know.

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Speaker 4: And these strains that are just popping out everywhere, like

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Speaker 4: can you stop?

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Speaker 3: Yeah?

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Speaker 6: Yeah, And it's so funny that you talk about COVID

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Speaker 6: because I feel like one big thing that came out

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Speaker 6: of COVID with no travel was saving your.

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Speaker 4: Money, save them coins, save them your points.

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Speaker 5: For sure, I didn't we even have this conversation before,

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Speaker 5: but yeah, that's totally and that's literally what we will

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Speaker 5: be talking about today because you know, money, finances.

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Speaker 3: Things that people already talk about. Also where we come

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Speaker 3: from maybe in your culture, but where we'll get into that,

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Speaker 3: we'll get into that. We'll get into that. But let's

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Speaker 3: jump right in.

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Speaker 5: How did you perceive money growing up? For you, Amanda,

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Speaker 5: like when you were younger, in high school, like university,

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Speaker 5: your career, likeship with money.

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Speaker 4: You know what, I'm very very in both of us.

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Speaker 6: I suppose very fortunate that ZIM was still in a

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Speaker 6: good space when we were young. I remember getting like

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Speaker 6: the two dollars bill or the fifty cent coins or like,

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Speaker 6: you know, I actually remember having a piggybang and putting

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Speaker 6: money away and actually.

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Speaker 4: Saving for things.

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Speaker 6: And you know, so I think like initially, like when

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Speaker 6: I was young, my relationship with money was pretty healthy.

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Speaker 6: I suppose, I would say it. My parents obviously were

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Speaker 6: very fortunate enough to be comfortable, not too comfortable where

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Speaker 6: I was just like throwing money away, but comfortable enough

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Speaker 6: that if I wanted something, they would always say I

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Speaker 6: will save for it, I will work or do some

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Speaker 6: chores or like there was a pathway to getting it right.

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Speaker 4: It wasn't just an outright no. And then in high

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Speaker 4: school the script don't change. High school was like zoom

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Speaker 4: was like cut this money.

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Speaker 3: Yeah.

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Speaker 4: Then the zoom dollar just started tang.

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Speaker 3: Yeah.

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Speaker 7: Yeah.

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Speaker 4: Things rapidly change, like rap so rapidly.

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Speaker 6: Sometimes when you look back on it, like, oh my gosh, y,

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Speaker 6: I remember, Dad, I remember this, like it seemed like

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Speaker 6: bear's checks, you.

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Speaker 3: Know, all these oh my gosh, I forgot about bears checks,

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Speaker 3: all these.

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Speaker 6: Like dollar bills coming out with like so many zeros.

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Speaker 6: You're learning about trillions.

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Speaker 5: You're like, I never Yeah, And the funny thing is,

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Speaker 5: the funny thing is we learned about Germany right in

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Speaker 5: the during the Nazi era and like how they go

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Speaker 5: with wheelbarrows of money.

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Speaker 6: Hey, we loved too quick, Yes, And I remember growing

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Speaker 6: up we used to laugh at Zambie. I'd be like,

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Speaker 6: I'm not because they had like so many views. And

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Speaker 6: then the script and changed. Now we were looking for

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Speaker 6: them quarts. We wanted them, So don't laugh.

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Speaker 3: Don't laugh at people. That's all we're gonna say. We learned.

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Speaker 6: So obviously when UNI came along, money was always a

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Speaker 6: hot topic within the household.

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Speaker 4: Within whether I was in Zoom or when I was

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Speaker 4: in school. You need because you knew that.

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Speaker 6: You had to like really fight for it, you really

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Speaker 6: had to save up your coins. Everything was how much

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Speaker 6: does it cost? You know, like you had to have

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Speaker 6: a plan, you have to have a So I think

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Speaker 6: I carried that hustle mentality even in my career, like

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Speaker 6: you know, pushing for pay rises, talking about you know, money,

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Speaker 6: trying to talk about money, openly with work, just because

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Speaker 6: it's like a real thing for me, So such a

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Speaker 6: pivot for money, like really.

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Speaker 5: Yeah, fun and for you for us, I think it

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Speaker 5: like my dad, I remember him doing this exercise with

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Speaker 5: us with water and he bring a glass of water

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Speaker 5: in your hands and he poured water in our hands

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Speaker 5: and he was like, what are you going to do

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Speaker 5: with it?

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Speaker 3: And obviously you know water drips, what are you going

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Speaker 3: to do with the water? And you know, we were like,

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Speaker 3: I don't know. And then he was like, you see,

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Speaker 3: the smart thing is either you drink it or you

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Speaker 3: put it into a dish or find somewhere to put it.

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Speaker 3: So you're talking about like, you know, not being wasteful,

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Speaker 3: saving in an abstract way. I think.

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Speaker 5: So that's like my earliest memory around sort of having

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Speaker 5: the conversation. But we didn't really have a lot of conversation.

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Speaker 5: It was always like, we'll see you had to kind

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Speaker 5: of ask over a period of time. You had to

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Speaker 5: prepare our parents for things with good grains, with grades yes,

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Speaker 5: and my parents were, you know, quite understanding. I don't

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Speaker 5: think you can ask them they'll probably be like, girl,

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Speaker 5: you were demanding, but I didn't. It was a bit

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Speaker 5: of an homebody too, so I didn't really always need

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Speaker 5: money for things I was, you know, so I think

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Speaker 5: that also played to my advantage personally. My siblings may

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Speaker 5: have a different story, but yeah, so it was always like.

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Speaker 3: Okay, we'll see.

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Speaker 5: You had to ask both of them and then you know,

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Speaker 5: they took You had to take it seriously, like money seriously,

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Speaker 5: even pocket money. Now when when high school, you know,

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Speaker 5: you didn't just get willy nilly. It was like this

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Speaker 5: has to last you. And I was very smart about it.

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Speaker 5: In terms of tech shop, I wasn't there all the time.

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Speaker 5: I used to like, you know, and it sounds silly,

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Speaker 5: touch shop, but like literally I would paste it out,

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Speaker 5: make sure I had my tap from home, things.

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Speaker 4: Like that, like it's a proper trade, not just willingly.

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Speaker 5: Yeah, so I always I've always been a bit like that.

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Speaker 5: That's always been my persona, sometimes to my detriment. And

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Speaker 5: then at university, same thing. So my parents would pay

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Speaker 5: my school fees and a portion was for living expenses

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Speaker 5: and books and things. So I had to kind of

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Speaker 5: budget that you could go withdraw from the school, but

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Speaker 5: you had to kind of budget that. Then I got

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Speaker 5: my jobs when I was at university for extra earning

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Speaker 5: and saving up to like if we wanted to take

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Speaker 5: a trip with friends.

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Speaker 3: Like then you save up towards that.

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Speaker 5: So always and also then obviously things changed at now

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Speaker 5: Mariatua became more frequent because like yeah, so you had

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Speaker 5: to go without Yeah, And then.

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Speaker 3: With my career to I generally always.

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Speaker 5: Yeah, I been really like White thought many times before

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Speaker 5: just buying things.

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Speaker 3: I'm more of an experiences person.

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Speaker 5: That's the thing I will rather spend money on, is

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Speaker 5: an experience than just accumulating things.

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Speaker 3: That's always been who I am. But yeah, definitely.

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Speaker 4: How was the when you were in South Africa? You

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Speaker 4: mentioned working?

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Speaker 6: How was the climate there like I found for me,

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Speaker 6: for example, when I came to a straight I had

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Speaker 6: to get a job as soon as I landed. I

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Speaker 6: think within two weeks I was working, and obviously I

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Speaker 6: had to land my resume. My first resume was like, yeah,

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Speaker 6: I've worked here. I've worked here, because that's no experience

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Speaker 6: waitressing or cleaning or whatever it was. But I noticed

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Speaker 6: that the Australian kids had been working since they were

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Speaker 6: like thirteen fourteen, you know, they're done, like the McDonald's

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Speaker 6: they had done the k marts Walmarts kind of kind

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Speaker 6: of background. So there's a lot of playing catch up

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Speaker 6: because yes we could speak well, yes we were assimilating

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Speaker 6: well into the culture, but in zimbabwere typically in time.

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Speaker 6: Back to the classes in this episode, you don't really

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Speaker 6: work when.

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Speaker 4: You're a teenager. Yeah, you know, so how was that

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Speaker 4: for you in South Africa? Like that's similar.

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Speaker 5: It's similar to zim because unemployment is also a thing, right, Yeah, Hi,

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Speaker 5: so they're you know, family people who need jobs to

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Speaker 5: take care of their kids, who are doing those jobs

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Speaker 5: that like the king, well you take cam outs but

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Speaker 5: like pick and pay checkers McDonald So it wasn't as frequent.

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Speaker 5: However though at university, I think McDonald's would start hiring

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Speaker 5: my sister her friends. I think worked, if I'm not mistaken,

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Speaker 5: at like the McDonald's where I was in a small

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Speaker 5: town university town, so restaurants, especially when seasons were picking up,

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Speaker 5: especially around graduation, they would employ more students to work

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Speaker 5: there for festival like I worked during we had the

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Speaker 5: Grahamstown Arts Festival. I worked during that time. So it

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Speaker 5: depends it was seasonal when when the town's.

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Speaker 4: Stuff to do in the town. Yeah, yeah, but do

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Speaker 4: you reckon check?

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Speaker 6: Republic is similar to Australia, Like teenagers work pretty early

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Speaker 6: because I feel like we're so behind kids you're talking about,

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Speaker 6: and I'm like, to my bank account quickly.

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Speaker 5: Honestly, like some of my students, you know, when I

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Speaker 5: was teaching at a language school, they were teenagers and

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Speaker 5: they're like, Oh, I need to find a summer job.

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Speaker 5: I need to find a I'm looking for or I'm

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Speaker 5: working here over the summer, and like or I'm working

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Speaker 5: not even just summer, like at KFC or McDonald or whatever.

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Speaker 3: My mom said, I need a job or I want

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Speaker 3: to get a job.

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Speaker 6: I do remember when we're young, young young my parents

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Speaker 6: opened up bank account first at POSB and like a

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Speaker 6: kids think you could have a business card in a

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Speaker 6: check book because yeah, but like yeah, all of us,

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Speaker 6: all those things fall apart in in one word, how

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Speaker 6: would you describe your relationship with money?

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Speaker 4: Though having said all.

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Speaker 3: Of that, I think it's it is evolving.

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Speaker 5: Because I I think I've always come from the mentality

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Speaker 5: of lax, So don't be don't be frivolous with money?

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Speaker 3: Does that make sense? So having to understand that it's

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Speaker 3: okay to do things for myself. I can. I'm happy

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Speaker 3: to do for others, but for myself, you know what

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Speaker 3: I mean. So it's like an evolve their relationship.

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Speaker 5: I'm trying to teach myself a healthier understanding of that.

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Speaker 5: So it's definitely evolving from like just safe safe, say, well.

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Speaker 3: You just got to be smart and smart about it,

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Speaker 3: Like I don't know how to explain it.

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Speaker 4: Yes, yes, I get it.

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Speaker 3: You're like, it's okay, girl, you can eat I mean,

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Speaker 3: but like it's like girl.

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Speaker 4: Like yeah, you can put yourself there sometimes yeah.

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Speaker 3: Yeah, yeah, yeah for sure. So yeah, and for you,

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Speaker 3: what would that be?

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Speaker 6: I would probably say a mix of that and progression,

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Speaker 6: Like I feel like every decade of my life, my

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Speaker 6: relationship with money has become better as I've also gained

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Speaker 6: more knowledge. Yes, which is why when we when I

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Speaker 6: did come here and I was playing catch up, you

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Speaker 6: obviously make a lot of mistakes, which probably if I'd

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Speaker 6: grown up here, I would have made them when I

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Speaker 6: was younger, and they would be mental. You know, when

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Speaker 6: you're thirteen fourteen, if you spend all your paycheck, you're

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Speaker 6: still under your parents roof, right, But when you're like eight,

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Speaker 6: you know, living by yourself of sharing a house. You

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Speaker 6: can't spend all your rent money things like that, you know.

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Speaker 6: I feel like, yeah, there's just it's just become better as.

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Speaker 4: I've also learned, Okay, don't do that.

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Speaker 3: Yeah for sure, for sure, we're just smart and you

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Speaker 3: have to write.

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Speaker 5: It's like you're supposed to learn and like you said,

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Speaker 5: playing catch up and how would it brings me to

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Speaker 5: the next question, which is how is your family or friends?

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Speaker 3: How are they with money?

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Speaker 5: Because we now have these two or different perspective from

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Speaker 5: where we're from to like where we are, and like,

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Speaker 5: so how is your Yeah.

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Speaker 3: How is your family with money or friends?

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Speaker 6: I would probably say the ones one ZIM is kind

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Speaker 6: of like I'm fair to really to really go there,

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Speaker 6: because it's such an unfair situation. So it's really hard

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Speaker 6: to see how they would fare in a functioning in

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Speaker 6: a good society. Yeah, and a functioning society because in

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Speaker 6: ZIM is hustle hustle, So really I feel like I

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Speaker 6: can't really say I can't blame them for some of

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Speaker 6: the things they do because it's like, well, you know,

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Speaker 6: even when they ask me for money and they don't

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Speaker 6: talk to me, I'm like, well, if I also had

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Speaker 6: to feed my kids, I will probably try every option.

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Speaker 6: So it's kind of like a I guess unspoken aspect

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Speaker 6: of being in my family that we just don't really

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Speaker 6: talk about people's money, wills and.

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Speaker 4: Whatever unless they need help. Then obviously everyone will probably

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Speaker 4: know why you need help and when you need the help.

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Speaker 6: Like for weddings, you have those family meetings where everyone

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Speaker 6: comes and obviously you all have to contribute.

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Speaker 4: A part of you is like, why are having this

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Speaker 4: wedding again? If you kind of heard it? But at

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Speaker 4: the same time, you're like, but I gets you with

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Speaker 4: them win m I gets it. So there's that. But then,

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Speaker 4: like I think with my.

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Speaker 6: Friends, I've been fortunate enough that I had a good

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Speaker 6: group of friends that, like money didn't really come between us,

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Speaker 6: like especially in entire sporta, we lean on each other

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Speaker 6: a lot, like this book about in the Surviving Diaspora episode.

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Speaker 6: So I was lucky that no one money didn't come

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Speaker 6: between us. We didn't wasn't a cause of any friction.

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Speaker 6: That's great, But I saw that with a lot of

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Speaker 6: other group of friends. I saw that a lot, like

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Speaker 6: you know, even boyfriend and girlfriends breaking up over my

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Speaker 6: he doesn't make enough.

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Speaker 4: I make more than him all those kinds of situations.

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Speaker 4: So I don't know, money is such a taboo topic.

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Speaker 4: I think it's even more taboo than sex, Like go there,

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Speaker 4: you just don't go there.

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Speaker 5: Yeah, and you and for sure, like I agree with

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Speaker 5: family back home, it's evolved and I think too like

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Speaker 5: our family, especially our parents' generation, they had systems and

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Speaker 5: things that.

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Speaker 3: They used to follow and it all completely fell apart.

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Speaker 3: So now it's just like what do you do?

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Speaker 5: And I feel like babwe has really become hand to

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Speaker 5: mouth situations. Yes, literally, I work I killed today to

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Speaker 5: each today. If I don't kill today, I do not

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Speaker 5: each today, like type of things. So it's really difficult

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Speaker 5: to plan. So as you say, it's it's too it's

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Speaker 5: layered to do. But I know, like in terms of

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Speaker 5: when I was at university, you know, with my friends

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Speaker 5: in essay and functioning societies where their parents you know,

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Speaker 5: could earn, say for them and send them to school,

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Speaker 5: you know, you did kind of see a bit of

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Speaker 5: the difference. But I think we were understanding of each

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Speaker 5: other and everyone mostly pulled their own weight, if that

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Speaker 5: makes sense in terms of friendship's good and there was

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Speaker 5: understanding and obviously you know, sometimes your pocket money hasn't

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Speaker 5: hit when.

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Speaker 3: Someone else's is hit. That kind of thing understanding.

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Speaker 5: So thankfully we I don't recall like anything like really

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Speaker 5: major being.

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Speaker 3: Like oh my gosh, rumbay, Like I don't recall that.

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Speaker 3: And I think, you know.

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Speaker 5: What I'm grateful for for my friends is they've always

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Speaker 5: understood that. I think life is cyclical, like when someone

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Speaker 5: is winning or successful in a in a material sense,

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Speaker 5: it changes, right like we're yeah, we all go through

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Speaker 5: phrases and all that. So my friends, generally, at least

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Speaker 5: the friends I keep close, I've always been accepting an

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Speaker 5: understanding of that, which I appreciated about that.

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Speaker 4: So yeah, yeah, it's so funny though, how things can change.

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Speaker 6: Like I do remember when I was young, young, young,

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Speaker 6: and I'd go to my mom's office because she was

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Speaker 6: a financial manager at it was called AFC back in

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Speaker 6: those days.

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Speaker 4: I think now it's Agri Bank, yes it is. And

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Speaker 4: like these white.

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Speaker 6: Farmers, the little short shorts and the farmer she yeh

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Speaker 6: would come into briefcases full of cash, you know, yeah,

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Speaker 6: like it was just like a thriving community, you know

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Speaker 6: what I mean. Like I just felt like WHOA, I

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Speaker 6: can't wait to grow up and be a corporate woman

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Speaker 6: and like talking money and it was just such a

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Speaker 6: special like memories that I would have of being in

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Speaker 6: town with her, like going to like fast food places

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Speaker 6: for life, and it wasn't a thing that you could

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Speaker 6: treat yourself. Like seeing a working lady in a thriving

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Speaker 6: Zimbabwe was like inspirational, you know, And even though Zimbabwe

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Speaker 6: would have changed now, I still hold on to that,

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Speaker 6: like wanting to have that relationship with money where of

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Speaker 6: course your budget, of course you help family, but.

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Speaker 4: You also live your life.

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Speaker 6: You know, you can treat your kid, you can talk

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Speaker 6: money and it's not such a taboo thing.

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Speaker 4: So it's super weird model.

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Speaker 6: Then she became for you too, write you know, yeah,

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Speaker 6: especially as a woman in Zoom because the patriarchy comes

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Speaker 6: in strong.

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Speaker 3: Hat had had.

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Speaker 5: But speaking of money and like you know, supporting others,

357
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Speaker 5: have you ever borrowed or been old or lent or

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Speaker 5: gifted money to friends and family and thought around that,

359
00:18:52,359 --> 00:18:55,760
Speaker 5: because yeah, no, they say money can make a break.

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Speaker 4: They say friends and money don't mix, and family too.

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Speaker 6: I think it's the same with what you just said,

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Speaker 6: Like when in union, when someone's money hit before yours

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Speaker 6: pocket money.

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Speaker 4: I mean I didn't really get pocket money for that law.

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Speaker 6: When I came to Australia, it was pretty much like

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Speaker 6: sinkle swim, So as soon as you got here, you

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Speaker 6: had to get a job and then that was your

368
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Speaker 6: pocket money. Then the fees school fees could be like

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Speaker 6: sorted by parents if they could kind of thing. But

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Speaker 6: then also it was awkward for us because two thousand

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Speaker 6: and eight happened where you know, Zim also flipped. That's

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Speaker 6: before they'd introduced foreign currency, so things were tough.

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Speaker 4: So like obviously that.

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Speaker 6: Year, I would say, we all borrowed from each other

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Speaker 6: at some time, We all each other, we all worked

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Speaker 6: probably a bit harder then, you know. So it built

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Speaker 6: strong friendships for sure. If there's like a saying, you know,

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Speaker 6: if you see someone broke and you still fox with them,

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Speaker 6: then you know, like as your friend's or so I

380
00:19:58,640 --> 00:20:01,919
Speaker 6: have with friends, I have definitely, and so far I've

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00:20:02,000 --> 00:20:04,960
Speaker 6: been unscathed from it. Like you know, someone borrows money,

382
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Speaker 6: they return it and there hasn't been any drama personally,

383
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Speaker 6: but I've definitely seen other friends borrowing from other friends

384
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Speaker 6: and then it's like, oh, she's going out and she

385
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Speaker 6: owes me.

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Speaker 4: Money, They're like, hey, money, yeah exactly. Yeah, that's some

387
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Speaker 4: sort of feeling.

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Speaker 3: Family.

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Speaker 6: The world remits the remittancess just standard. It's like you

390
00:20:33,119 --> 00:20:36,200
Speaker 6: get to that point where as you were saying, Mary,

391
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Speaker 6: not marry, then it becomes do you do you have money?

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Speaker 3: You know?

393
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Speaker 4: Can you do this? Can you do that?

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Speaker 6: And then you start to realize you become a change

395
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Speaker 6: from being a child in the home to a provider

396
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Speaker 6: and for.

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Speaker 5: Sure, for sure yeah, yeah, I think for me, I

398
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Speaker 5: think I've not had any horror stories in terms of

399
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Speaker 5: borrowing or lending.

400
00:20:59,160 --> 00:21:01,679
Speaker 3: Knock on wood, But.

401
00:21:03,440 --> 00:21:06,600
Speaker 5: I really do believe in the notion of if you

402
00:21:07,040 --> 00:21:09,400
Speaker 5: give someone money just to assume you've given it as

403
00:21:09,400 --> 00:21:12,800
Speaker 5: a gift. And I mean, obviously there's different if it's

404
00:21:12,800 --> 00:21:15,280
Speaker 5: an investment in a business, that's a different story now.

405
00:21:15,400 --> 00:21:17,240
Speaker 3: But I'm saying like in terms.

406
00:21:17,040 --> 00:21:22,600
Speaker 5: Of that, because it gets complicated, as you said, and

407
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Speaker 5: it gets tough.

408
00:21:24,880 --> 00:21:26,800
Speaker 3: To like, oh so where my money at when you're

409
00:21:26,800 --> 00:21:29,720
Speaker 3: out your partying, I see you on the ground, I

410
00:21:29,840 --> 00:21:34,240
Speaker 3: see exactly. So it's I've.

411
00:21:33,960 --> 00:21:37,320
Speaker 5: Personally not been very scared, but in terms of my

412
00:21:37,400 --> 00:21:40,200
Speaker 5: thoughts around the whole notion of borrowing and lending. I

413
00:21:40,359 --> 00:21:43,720
Speaker 5: think that's community and that's relationship, and that's you know,

414
00:21:44,000 --> 00:21:48,000
Speaker 5: that's what it means to have friends or family to

415
00:21:48,160 --> 00:21:49,880
Speaker 5: be there when we are in need.

416
00:21:50,200 --> 00:21:53,560
Speaker 3: Now. So the problem is they are different definitions of

417
00:21:53,680 --> 00:21:55,680
Speaker 3: I am in need or do you know what I mean?

418
00:21:55,800 --> 00:21:59,240
Speaker 3: Like it's like what is what's needs and what is

419
00:22:00,600 --> 00:22:02,800
Speaker 3: So that's where things get blurry.

420
00:22:02,920 --> 00:22:05,920
Speaker 5: But I think ultimately, you know, you look at the

421
00:22:06,040 --> 00:22:08,399
Speaker 5: world and I've had this conversation before. You look at

422
00:22:08,440 --> 00:22:11,879
Speaker 5: the world from a global perspective, and how the halves

423
00:22:12,160 --> 00:22:14,400
Speaker 5: really have a lot, and there's so many have nots,

424
00:22:14,920 --> 00:22:19,040
Speaker 5: and there's enough to go around, but there's a disproportionate

425
00:22:19,160 --> 00:22:23,920
Speaker 5: distribution because of this thing of mine mind mind, and

426
00:22:23,920 --> 00:22:26,760
Speaker 5: it's almost like lack of communal thing. And I'm talking

427
00:22:26,800 --> 00:22:30,680
Speaker 5: in a very simplified form. Obviously there's mechanisms and things

428
00:22:30,760 --> 00:22:33,720
Speaker 5: in place that we won't go into, but I think

429
00:22:34,400 --> 00:22:36,760
Speaker 5: just to see that on a large scale, how it

430
00:22:36,880 --> 00:22:42,159
Speaker 5: creates poverty versus extreme wealth is like this lack of

431
00:22:42,280 --> 00:22:45,840
Speaker 5: humanity sometimes that we get as a result. So I

432
00:22:45,880 --> 00:22:47,880
Speaker 5: think that's why we are people that meet, That's why

433
00:22:47,960 --> 00:22:50,639
Speaker 5: we have relationships, because when I need a hand up,

434
00:22:50,800 --> 00:22:52,520
Speaker 5: you'll give me and when you need a hand up

435
00:22:52,600 --> 00:22:55,240
Speaker 5: next time, you know I can give you a hand,

436
00:22:55,440 --> 00:22:56,400
Speaker 5: you can lean on them.

437
00:22:56,840 --> 00:23:01,120
Speaker 4: Yeah, but do you not think that the gifting mentality

438
00:23:01,240 --> 00:23:02,120
Speaker 4: is also enabling.

439
00:23:03,760 --> 00:23:06,600
Speaker 5: True, But I'm saying for your own personal like survival,

440
00:23:07,800 --> 00:23:08,760
Speaker 5: don't call me out at you.

441
00:23:09,240 --> 00:23:12,800
Speaker 3: Yeah. No, I'm saying more so like so you don't

442
00:23:12,800 --> 00:23:15,680
Speaker 3: get bitter because it gets you know.

443
00:23:17,400 --> 00:23:20,200
Speaker 5: I do also agree with that. Give a man of fish,

444
00:23:20,320 --> 00:23:22,040
Speaker 5: you'll eat for a day. Teach a man to fish,

445
00:23:22,400 --> 00:23:23,800
Speaker 5: you'll eat for life.

446
00:23:23,920 --> 00:23:27,120
Speaker 3: Whatever. I do believe that I'm saying from a personal level.

447
00:23:28,359 --> 00:23:31,080
Speaker 3: When you release the mula, just release.

448
00:23:30,800 --> 00:23:32,480
Speaker 5: It, even though you're like, I'm blending it to you,

449
00:23:33,000 --> 00:23:36,920
Speaker 5: but don't hold like, oh you ain't pay me back, son,

450
00:23:37,119 --> 00:23:38,360
Speaker 5: You ain't paid it back, son.

451
00:23:39,119 --> 00:23:39,920
Speaker 3: No, No, I get that.

452
00:23:40,080 --> 00:23:42,879
Speaker 6: I can get that from a sanity point, from your

453
00:23:43,520 --> 00:23:45,600
Speaker 6: just from my actual on the at the end of

454
00:23:45,720 --> 00:23:50,320
Speaker 6: the thing, Yes, if they used to you always give me,

455
00:23:50,880 --> 00:23:51,480
Speaker 6: I stop giving.

456
00:23:53,440 --> 00:24:00,800
Speaker 4: Oh do you handle that cut because matter?

457
00:24:01,119 --> 00:24:01,280
Speaker 3: Yeah?

458
00:24:01,800 --> 00:24:04,280
Speaker 4: Yeah, there's a there's a line. There's a definite line.

459
00:24:05,760 --> 00:24:08,120
Speaker 6: I agree with you for sure. You know the money

460
00:24:08,160 --> 00:24:10,280
Speaker 6: is probably not going to come back. But I also

461
00:24:10,560 --> 00:24:12,680
Speaker 6: feel like you have to have the line. You have

462
00:24:12,760 --> 00:24:14,840
Speaker 6: to draw a line in the sand if you know

463
00:24:14,960 --> 00:24:17,320
Speaker 6: you will hold it against this person to begin with.

464
00:24:18,000 --> 00:24:21,280
Speaker 6: If they don't, they don't, They just don't even because

465
00:24:21,840 --> 00:24:26,000
Speaker 6: or maybe do a lesser amount, or maybe you know,

466
00:24:26,119 --> 00:24:28,480
Speaker 6: do to someone else. So you're going hubs or whatever

467
00:24:28,520 --> 00:24:32,120
Speaker 6: to a family member, especially because I feel like, yeah,

468
00:24:32,320 --> 00:24:35,200
Speaker 6: if you know this is it's an uncomfortable amount for you,

469
00:24:36,280 --> 00:24:37,880
Speaker 6: then don't.

470
00:24:37,720 --> 00:24:42,080
Speaker 5: Go don't go down there, don't do it one hundred percent.

471
00:24:42,200 --> 00:24:45,199
Speaker 5: And I think that's also thing with boundaries in our culture.

472
00:24:45,240 --> 00:24:47,400
Speaker 5: I feel like it's like there should be no bounds,

473
00:24:47,840 --> 00:24:48,320
Speaker 5: like why.

474
00:24:48,280 --> 00:24:51,840
Speaker 6: No bounce it but blood? So that means what's yours

475
00:24:51,960 --> 00:24:55,359
Speaker 6: is mine? Yeah, it's bad, it's so bad.

476
00:24:55,880 --> 00:24:56,040
Speaker 3: Yeah.

477
00:24:56,080 --> 00:25:00,840
Speaker 6: Any any things or in experiences you've ever had and

478
00:25:01,040 --> 00:25:03,720
Speaker 6: you've thought or wanted to have and you've missed out

479
00:25:03,800 --> 00:25:05,120
Speaker 6: on because of finances?

480
00:25:05,800 --> 00:25:09,200
Speaker 4: Yes, okay, how does that make you feel.

481
00:25:10,800 --> 00:25:16,119
Speaker 3: It's not my time? I think, yes, there's fomo is

482
00:25:16,200 --> 00:25:16,520
Speaker 3: a thing.

483
00:25:16,800 --> 00:25:21,040
Speaker 5: But I've also had really amazing experiences that I've been

484
00:25:21,160 --> 00:25:21,679
Speaker 5: blessed to.

485
00:25:21,840 --> 00:25:24,720
Speaker 3: Have and I didn't expect to have them. Does that

486
00:25:24,800 --> 00:25:25,200
Speaker 3: make sense?

487
00:25:25,280 --> 00:25:28,560
Speaker 5: So it's like I feel like I've been balanced the

488
00:25:28,640 --> 00:25:32,240
Speaker 5: scales balances the scales of it all. There's definitely fomo.

489
00:25:32,359 --> 00:25:34,879
Speaker 5: There's definitely like oh if only I was able to

490
00:25:36,960 --> 00:25:39,639
Speaker 5: and you can really go down a spiral and like

491
00:25:39,720 --> 00:25:42,400
Speaker 5: persecute yourself like, oh, why haven't I done this? Why

492
00:25:42,440 --> 00:25:44,480
Speaker 5: aren't I at this level where I can do this too?

493
00:25:45,800 --> 00:25:48,720
Speaker 5: But in the same breath, it's like, you know, it

494
00:25:48,920 --> 00:25:51,560
Speaker 5: wasn't meant to be, and it sucks, especially when you're

495
00:25:51,640 --> 00:25:54,320
Speaker 5: young and you're wanting to like live life and other

496
00:25:54,400 --> 00:25:58,440
Speaker 5: people are eating joy and you are there eating reality.

497
00:25:58,960 --> 00:25:59,760
Speaker 3: It's like this.

498
00:26:00,200 --> 00:26:03,639
Speaker 5: It's tough, but I think it also makes you appreciate

499
00:26:03,960 --> 00:26:06,159
Speaker 5: more when you're able to do or when.

500
00:26:06,080 --> 00:26:10,040
Speaker 3: You do have that kind of thing. So yeah, it's

501
00:26:10,720 --> 00:26:12,919
Speaker 3: a grain assault. I don't know how would you How

502
00:26:12,960 --> 00:26:13,760
Speaker 3: would you handle that?

503
00:26:14,119 --> 00:26:17,680
Speaker 6: How did you hand I think for me, like, there's

504
00:26:17,680 --> 00:26:21,159
Speaker 6: obviously been lots, like you know, just like travel or

505
00:26:21,400 --> 00:26:25,440
Speaker 6: some some I guess things that I can sholve. But

506
00:26:25,560 --> 00:26:27,960
Speaker 6: the one big thing will probably be not continuing on

507
00:26:28,200 --> 00:26:31,680
Speaker 6: with my schooling. So I only did an undergraduate and

508
00:26:31,760 --> 00:26:33,440
Speaker 6: then as soon as the three years were up, it

509
00:26:33,600 --> 00:26:37,040
Speaker 6: was like get a job, get a job, you know,

510
00:26:37,240 --> 00:26:40,080
Speaker 6: so it was like you got the appointed My dad

511
00:26:40,160 --> 00:26:43,920
Speaker 6: obviously pushed hard enough to just get me over that line.

512
00:26:44,160 --> 00:26:46,800
Speaker 4: Yes, but then after that it was like okay, well

513
00:26:46,880 --> 00:26:49,200
Speaker 4: then truly like I'm done.

514
00:26:49,400 --> 00:26:49,600
Speaker 7: You know.

515
00:26:50,280 --> 00:26:52,719
Speaker 6: So I always felt like, oh, it would have been

516
00:26:52,760 --> 00:26:55,399
Speaker 6: nice to do a master's or I feel like there

517
00:26:55,480 --> 00:26:57,920
Speaker 6: was like a bit of untapped potential there because I

518
00:26:58,000 --> 00:26:59,920
Speaker 6: was enjoying what I was doing. I was doing really well,

519
00:27:00,280 --> 00:27:04,000
Speaker 6: and I've always been very book smart, so it felt

520
00:27:04,080 --> 00:27:04,840
Speaker 6: like that was.

521
00:27:06,960 --> 00:27:08,359
Speaker 4: Like in a different world.

522
00:27:08,560 --> 00:27:11,480
Speaker 6: Yeah, Like especially when I see people doing PhDs or whatever,

523
00:27:11,640 --> 00:27:16,119
Speaker 6: I'm like, I know, if there's something profound about seeing

524
00:27:16,200 --> 00:27:19,880
Speaker 6: something you know you can do but there's no opportunity, yes,

525
00:27:20,240 --> 00:27:22,199
Speaker 6: you know. So it's not as if like I can

526
00:27:22,280 --> 00:27:24,080
Speaker 6: be like, oh well I wasn't clever enough, or I

527
00:27:24,160 --> 00:27:26,760
Speaker 6: can be like, oh well the schools weren't good enough. No,

528
00:27:26,880 --> 00:27:29,560
Speaker 6: all those things were there. The only missing leak was

529
00:27:30,359 --> 00:27:34,120
Speaker 6: find don't do scholarships. Well maybe now they do because

530
00:27:34,119 --> 00:27:38,119
Speaker 6: of COVID and they're trying to drive business, but historically

531
00:27:38,240 --> 00:27:41,920
Speaker 6: they don't do scholarships, so, you know, or if they do,

532
00:27:42,440 --> 00:27:44,720
Speaker 6: tied to so many things and so many loopholes that

533
00:27:45,200 --> 00:27:45,560
Speaker 6: it's like.

534
00:27:46,040 --> 00:27:49,320
Speaker 4: There's no way I couldn't apply and also work.

535
00:27:49,680 --> 00:27:52,679
Speaker 3: Yes, but I feel like you're so right.

536
00:27:52,720 --> 00:27:54,880
Speaker 5: I think too with you know, when I got into

537
00:27:54,960 --> 00:27:57,439
Speaker 5: my master's program and it was so exciting, it.

538
00:27:57,480 --> 00:28:01,359
Speaker 3: Felt like, uh, what's really deferred? It was like I

539
00:28:01,480 --> 00:28:03,600
Speaker 3: got it, but I didn't get it because of the

540
00:28:03,720 --> 00:28:06,600
Speaker 3: finances thing. And I think there will always be that.

541
00:28:06,840 --> 00:28:10,320
Speaker 3: Oh you know what if there will always be that

542
00:28:11,040 --> 00:28:11,760
Speaker 3: and the same thing.

543
00:28:11,840 --> 00:28:15,000
Speaker 5: I think I've been able now to process how things

544
00:28:15,040 --> 00:28:17,879
Speaker 5: have played out and said, Okay, so it was supposed

545
00:28:17,920 --> 00:28:19,080
Speaker 5: to happen this way.

546
00:28:19,280 --> 00:28:21,720
Speaker 3: Yeah, but I totally feel you. I get you, I

547
00:28:21,800 --> 00:28:22,880
Speaker 3: get you. Yeah. Yeah.

548
00:28:22,920 --> 00:28:25,439
Speaker 6: I think for me that the saving grace was Australia

549
00:28:25,640 --> 00:28:29,280
Speaker 6: is a is a doer kind of country, not really

550
00:28:29,320 --> 00:28:30,880
Speaker 6: a country.

551
00:28:31,480 --> 00:28:32,280
Speaker 4: Sounds weird, but.

552
00:28:32,400 --> 00:28:35,080
Speaker 6: Like you can get people hear PhDs and they're earning

553
00:28:35,200 --> 00:28:38,280
Speaker 6: not even half of people who are builders and plumbers,

554
00:28:38,480 --> 00:28:41,360
Speaker 6: and so it's like a you know, so me going

555
00:28:41,400 --> 00:28:45,160
Speaker 6: into the workforce early actually wasn't a detriment, you know,

556
00:28:45,560 --> 00:28:49,360
Speaker 6: especially in the science space, because they're not really that

557
00:28:49,560 --> 00:28:51,200
Speaker 6: many high paying jobs.

558
00:28:51,280 --> 00:28:53,440
Speaker 4: People literally die in the positions.

559
00:28:53,040 --> 00:28:57,640
Speaker 6: There and like people be profess until yeah, so it's

560
00:28:57,680 --> 00:29:01,480
Speaker 6: not really a fast staff turnover moving. So I feel

561
00:29:01,520 --> 00:29:03,680
Speaker 6: like in hindsight, I look at it, and you know,

562
00:29:03,760 --> 00:29:06,680
Speaker 6: actually was better than me hanging on and doing school forever.

563
00:29:07,480 --> 00:29:09,520
Speaker 6: But it's just one of those things where it's like,

564
00:29:09,640 --> 00:29:11,800
Speaker 6: but I could have probably gone to another country or

565
00:29:11,880 --> 00:29:15,640
Speaker 6: I probably could have, especially because when I see like

566
00:29:15,680 --> 00:29:18,640
Speaker 6: siblings and cousins doing it and I'm like maybe helping

567
00:29:18,720 --> 00:29:20,560
Speaker 6: out in some situations.

568
00:29:20,040 --> 00:29:22,240
Speaker 4: I'm like, oh, they're getting to do what I what

569
00:29:22,400 --> 00:29:23,520
Speaker 4: I didn't have someone.

570
00:29:24,920 --> 00:29:27,360
Speaker 5: Yeah, and now I think we understand why parents live

571
00:29:27,480 --> 00:29:28,680
Speaker 5: vicariously through children.

572
00:29:29,280 --> 00:29:32,120
Speaker 3: You know, I like, because you're sure if you know

573
00:29:32,440 --> 00:29:34,040
Speaker 3: if I had done it type of thing.

574
00:29:34,200 --> 00:29:37,120
Speaker 4: Yeah, yeah, yeah. Do you discuss money lots with your

575
00:29:37,160 --> 00:29:39,600
Speaker 4: family or your friends family?

576
00:29:39,760 --> 00:29:39,800
Speaker 5: No?

577
00:29:41,160 --> 00:29:46,120
Speaker 3: Oh, why with my sister? I do?

578
00:29:47,520 --> 00:29:50,920
Speaker 5: Yeah, like planning, if you're planning something, yes, but in

579
00:29:51,040 --> 00:29:53,040
Speaker 5: terms of general discussion when you should do this with

580
00:29:53,160 --> 00:29:54,120
Speaker 5: your money, this is how you're.

581
00:29:54,000 --> 00:29:56,080
Speaker 3: Supposed to do not really now.

582
00:29:56,440 --> 00:30:01,040
Speaker 4: Yeah, with friends, some not not.

583
00:30:01,560 --> 00:30:05,880
Speaker 3: Many, to be honest, like, yeah, like the discussion does happen.

584
00:30:06,280 --> 00:30:07,880
Speaker 5: And I have some friends who are like savvy with

585
00:30:08,000 --> 00:30:13,240
Speaker 5: money for sure, but yeah, it's not like an easy

586
00:30:13,360 --> 00:30:15,680
Speaker 5: conversation that just happens all the time, but it is

587
00:30:15,880 --> 00:30:16,080
Speaker 5: it is.

588
00:30:16,400 --> 00:30:19,440
Speaker 3: I do have some good conversations.

589
00:30:18,760 --> 00:30:24,000
Speaker 5: Around with certain people you can reach out to, including yourself, Amanda.

590
00:30:24,840 --> 00:30:28,959
Speaker 6: Yeah, so if we had to find a money yeah, family,

591
00:30:29,160 --> 00:30:32,280
Speaker 6: I'm the same with you girl, I'm like, oh, hell no,

592
00:30:32,760 --> 00:30:37,200
Speaker 6: I hate doing that. Like of course, when you're like

593
00:30:38,000 --> 00:30:40,239
Speaker 6: talking about Rota or something, people be like asking us,

594
00:30:40,320 --> 00:30:42,600
Speaker 6: what's the budget, So what's the so that I can

595
00:30:42,680 --> 00:30:44,400
Speaker 6: talk about because then I'd be like, hey, I'm only

596
00:30:44,440 --> 00:30:47,200
Speaker 6: willing to pay or I'm only willing to do this much.

597
00:30:47,440 --> 00:30:49,600
Speaker 6: But in terms of the totality of it, like this

598
00:30:49,720 --> 00:30:51,360
Speaker 6: is my budget, is what I'm doing. What do you

599
00:30:51,400 --> 00:30:52,360
Speaker 6: think I should invest in?

600
00:30:52,880 --> 00:30:56,600
Speaker 4: No, none of that. Also because Babwe has robbed that

601
00:30:56,760 --> 00:30:58,080
Speaker 4: knowledge from a lot of people.

602
00:30:58,640 --> 00:31:01,160
Speaker 6: No, such I feel for example, with my dad, if

603
00:31:01,200 --> 00:31:04,280
Speaker 6: I was to approach him, his ideas might be very dated,

604
00:31:04,840 --> 00:31:07,760
Speaker 6: like not to say that they're not relevant or they

605
00:31:07,840 --> 00:31:10,520
Speaker 6: weren't relevant for him, but they might not necessarily be.

606
00:31:10,600 --> 00:31:14,480
Speaker 4: And also he doesn't know the Australian landscape, so it's.

607
00:31:14,360 --> 00:31:18,160
Speaker 6: Almost like a general advice rather than this is what

608
00:31:18,320 --> 00:31:21,240
Speaker 6: you should do, which is fine because they and my

609
00:31:21,320 --> 00:31:22,600
Speaker 6: big age I should.

610
00:31:22,320 --> 00:31:26,200
Speaker 4: Be doing it myself. So it's fine because.

611
00:31:25,960 --> 00:31:29,840
Speaker 3: You and adults and people be calling you so, and

612
00:31:30,040 --> 00:31:33,280
Speaker 3: so let me do it. I might feel you one

613
00:31:33,400 --> 00:31:34,040
Speaker 3: hundred percent.

614
00:31:34,720 --> 00:31:38,120
Speaker 4: And do you discuss with your partner though, oh with

615
00:31:38,280 --> 00:31:39,280
Speaker 4: your boyfriend.

616
00:31:40,120 --> 00:31:41,280
Speaker 3: And ten percent?

617
00:31:41,560 --> 00:31:42,520
Speaker 4: Like good girl?

618
00:31:42,840 --> 00:31:47,280
Speaker 5: Yeah, yeah, Like I think you have to because you

619
00:31:47,360 --> 00:31:50,880
Speaker 5: know you're trying to form a life together and where

620
00:31:50,920 --> 00:31:54,200
Speaker 5: you stand. And he's also very open like about it too,

621
00:31:54,320 --> 00:31:55,600
Speaker 5: which I'm so grateful for.

622
00:31:55,840 --> 00:31:58,040
Speaker 3: It's not like I've had to be so open up.

623
00:31:58,200 --> 00:32:00,680
Speaker 3: Let's talk this thing. You know, we both come in

624
00:32:00,760 --> 00:32:02,120
Speaker 3: a very open way.

625
00:32:02,280 --> 00:32:05,400
Speaker 4: And for you yourself, yeah, of course, I don't think

626
00:32:05,440 --> 00:32:05,640
Speaker 4: you can.

627
00:32:05,960 --> 00:32:08,880
Speaker 6: I don't think you should get married without knowing and

628
00:32:09,040 --> 00:32:12,560
Speaker 6: discussing all of those things, and especially because you come

629
00:32:12,600 --> 00:32:15,840
Speaker 6: from different backgrounds. Yeah. Like I was just saying to

630
00:32:15,880 --> 00:32:17,600
Speaker 6: you that as a day on his birthday, his dad

631
00:32:17,720 --> 00:32:20,480
Speaker 6: like sent him a birthday present. I was like, dude,

632
00:32:21,080 --> 00:32:25,560
Speaker 6: what's your age? I'm like, yeah, that's that whole thing.

633
00:32:25,680 --> 00:32:32,200
Speaker 6: Notion of birthday money has long So yes, obviously, just

634
00:32:32,520 --> 00:32:35,520
Speaker 6: I guess just telling each other's reality and is just

635
00:32:35,680 --> 00:32:38,240
Speaker 6: trying to see if we think the same with fair line,

636
00:32:38,600 --> 00:32:41,280
Speaker 6: because if he's a big spender and you're not, I

637
00:32:41,440 --> 00:32:43,800
Speaker 6: feel like I need to address that, not to say

638
00:32:43,840 --> 00:32:46,000
Speaker 6: that you can't be together, but you need to like.

639
00:32:46,640 --> 00:32:49,680
Speaker 4: Find on the ground and be honest, be honest.

640
00:32:50,160 --> 00:32:53,040
Speaker 6: And with debt as well, you don't know people people

641
00:32:53,120 --> 00:32:57,240
Speaker 6: are silly in their twenties and do also, and some

642
00:32:57,480 --> 00:33:02,200
Speaker 6: debt is familiar debt too, like even standing's home.

643
00:33:02,400 --> 00:33:05,440
Speaker 4: It's like you need to think, are you okay with that?

644
00:33:07,520 --> 00:33:07,640
Speaker 7: Good?

645
00:33:07,680 --> 00:33:10,200
Speaker 3: With money? Like he likes to talk about.

646
00:33:11,160 --> 00:33:13,680
Speaker 4: Girl, he can talk about you. You should have probably liked.

647
00:33:14,000 --> 00:33:17,400
Speaker 5: Im gonna have been on this on the show tell

648
00:33:17,520 --> 00:33:21,120
Speaker 5: us that's like that's the only like he really will

649
00:33:21,160 --> 00:33:23,000
Speaker 5: send you like detailed.

650
00:33:22,600 --> 00:33:25,240
Speaker 3: Information about like finances.

651
00:33:25,400 --> 00:33:27,720
Speaker 4: So yeah, like you ask him, how are you going?

652
00:33:27,920 --> 00:33:29,240
Speaker 4: Like fine, I'm good?

653
00:33:29,640 --> 00:33:32,520
Speaker 6: Then it is money that okay, I didn't know you're

654
00:33:32,520 --> 00:33:35,960
Speaker 6: gonna likes to say, but it's cute and it's.

655
00:33:38,920 --> 00:33:39,120
Speaker 5: Good.

656
00:33:39,520 --> 00:33:44,959
Speaker 3: Yeah. How does the diaspora effect?

657
00:33:45,120 --> 00:33:47,440
Speaker 5: We've already just hit the World Room also World room

658
00:33:47,480 --> 00:33:49,520
Speaker 5: it maybe you should sponsor us because we're out here.

659
00:33:50,000 --> 00:33:54,680
Speaker 3: I know we're like dropping them and we've been supporting. Uh,

660
00:33:54,960 --> 00:33:56,920
Speaker 3: what's the other thing? What are the other platforms? I

661
00:33:56,960 --> 00:34:01,960
Speaker 3: don't know? Gram? Yeah with money, gram.

662
00:34:03,800 --> 00:34:05,520
Speaker 4: Koru you know what?

663
00:34:05,680 --> 00:34:07,840
Speaker 6: Actually think I think all the local ones start to

664
00:34:07,960 --> 00:34:10,680
Speaker 6: become very personal so I'm sure people in different parts

665
00:34:10,680 --> 00:34:11,839
Speaker 6: of the world have different ones.

666
00:34:12,000 --> 00:34:15,640
Speaker 4: Yes, yeah, international ones tend to be money.

667
00:34:16,480 --> 00:34:19,719
Speaker 3: World remit world remit works for me for me personally, but.

668
00:34:19,840 --> 00:34:20,759
Speaker 4: Yeah, the same here.

669
00:34:20,920 --> 00:34:22,480
Speaker 6: And sometimes you like want to like I know, like

670
00:34:22,960 --> 00:34:25,440
Speaker 6: my brother likes to compare the costs and the services

671
00:34:25,560 --> 00:34:28,640
Speaker 6: and and I'm just like sometimes child.

672
00:34:28,800 --> 00:34:32,560
Speaker 4: Yeah, and it changes daily. Right, It's based on forgs,

673
00:34:32,760 --> 00:34:35,560
Speaker 4: so it changes, you don't know, So which.

674
00:34:35,480 --> 00:34:38,880
Speaker 3: Is the question. Then, how does being ask for affect you,

675
00:34:38,960 --> 00:34:40,040
Speaker 3: know you financially?

676
00:34:41,360 --> 00:34:44,960
Speaker 6: I think we spoke on this during a family episode

677
00:34:45,400 --> 00:34:47,320
Speaker 6: where you're like, you don't want to be an a

678
00:34:47,560 --> 00:34:50,920
Speaker 6: t M, like you want to be loved for you,

679
00:34:51,200 --> 00:34:53,160
Speaker 6: not because of it happened.

680
00:34:55,200 --> 00:35:00,239
Speaker 4: And I think for me personally, that's always my I'm

681
00:35:00,360 --> 00:35:01,200
Speaker 4: tense about it.

682
00:35:01,320 --> 00:35:03,800
Speaker 6: So even when I go home and people want to

683
00:35:03,800 --> 00:35:05,879
Speaker 6: spend time with me, I'm like, Okay, they spend time

684
00:35:05,960 --> 00:35:09,800
Speaker 6: with me, but are they expecting something in return? Or

685
00:35:09,960 --> 00:35:12,640
Speaker 6: even though people like someone who I don't talk too

686
00:35:12,719 --> 00:35:15,520
Speaker 6: often messages me, and my first thought is what do

687
00:35:15,560 --> 00:35:15,879
Speaker 6: they want?

688
00:35:16,120 --> 00:35:16,279
Speaker 3: You know?

689
00:35:16,680 --> 00:35:19,759
Speaker 6: So, and that's only come over the years, you know,

690
00:35:20,680 --> 00:35:24,000
Speaker 6: And yeah, I should obviously show some grace and I

691
00:35:24,160 --> 00:35:27,080
Speaker 6: do in most situations that don't grow people. But sometimes

692
00:35:27,160 --> 00:35:30,480
Speaker 6: I do feel like, girl, it would be nice if

693
00:35:30,520 --> 00:35:34,080
Speaker 6: you actually have a relationship you ask me for you know.

694
00:35:34,680 --> 00:35:37,920
Speaker 6: At the same time, as I previously said, people have

695
00:35:38,000 --> 00:35:41,919
Speaker 6: to try what they have to try. So, yes, it's

696
00:35:41,960 --> 00:35:44,160
Speaker 6: such a weird and I feel like that, but you

697
00:35:44,280 --> 00:35:49,200
Speaker 6: play catch up. Most people didn't move with their parents, right,

698
00:35:49,680 --> 00:35:51,640
Speaker 6: so you don't have a safe space. You have to

699
00:35:51,840 --> 00:35:55,600
Speaker 6: make your own safe space. And then those who did

700
00:35:55,719 --> 00:35:58,359
Speaker 6: move with family, you also have some pressures there too,

701
00:35:58,400 --> 00:36:00,200
Speaker 6: because they're like, we're working hard. Do you have to

702
00:36:00,239 --> 00:36:03,919
Speaker 6: work just as hard? So it's just it's a lot

703
00:36:04,160 --> 00:36:08,400
Speaker 6: I feel like money and experience. You have to experience

704
00:36:08,480 --> 00:36:12,279
Speaker 6: it to really really not understand it and understand it.

705
00:36:12,640 --> 00:36:17,120
Speaker 3: Yeah, and also to know that if I ain't got

706
00:36:17,200 --> 00:36:19,280
Speaker 3: my safety, meant where.

707
00:36:19,160 --> 00:36:22,160
Speaker 4: My head exactly. You're right.

708
00:36:23,320 --> 00:36:26,040
Speaker 6: And that brings classism into it too, because some parents

709
00:36:26,560 --> 00:36:28,279
Speaker 6: in Zim will be like, no, no, no, don't worry

710
00:36:28,280 --> 00:36:28,680
Speaker 6: about us.

711
00:36:28,680 --> 00:36:29,359
Speaker 4: We're all good here.

712
00:36:29,640 --> 00:36:31,880
Speaker 6: So those kids never have to send money, and some

713
00:36:32,040 --> 00:36:34,920
Speaker 6: parents are like every month on the money, yes, yes.

714
00:36:34,840 --> 00:36:43,120
Speaker 7: Yes, oh yeah, and I'm fortunate like my parents, I

715
00:36:43,239 --> 00:36:47,359
Speaker 7: mean we they Then there's isn't that pressure, and I'm

716
00:36:47,400 --> 00:36:50,640
Speaker 7: grateful for that, you know, but there's also like you

717
00:36:50,800 --> 00:36:52,960
Speaker 7: want to do things for them, if that makes sense,

718
00:36:53,040 --> 00:36:54,680
Speaker 7: because you know, things are not easy.

719
00:36:55,200 --> 00:36:58,160
Speaker 5: I'm grateful for that, but I also know like if

720
00:36:58,320 --> 00:37:00,520
Speaker 5: Rubbert he's the road, they're not going to be able

721
00:37:00,560 --> 00:37:02,480
Speaker 5: to catch me and be like, oh we got you, boo,

722
00:37:02,600 --> 00:37:03,400
Speaker 5: don't worry.

723
00:37:03,520 --> 00:37:04,560
Speaker 4: You come back home.

724
00:37:04,760 --> 00:37:05,600
Speaker 3: Yeah, yeah, you know.

725
00:37:05,880 --> 00:37:09,800
Speaker 5: So it's you need to get your ducks in a

726
00:37:09,960 --> 00:37:13,680
Speaker 5: row and be ready for whatever because and they're also

727
00:37:13,719 --> 00:37:16,600
Speaker 5: all these unforeseen expenses we've talked about in the disk

728
00:37:16,680 --> 00:37:19,239
Speaker 5: for episode like of living in the disk for you

729
00:37:19,280 --> 00:37:22,800
Speaker 5: need to make sure you're Yeah, it's you can't just

730
00:37:23,000 --> 00:37:27,600
Speaker 5: not be racking up high debt or high bills, yeah work,

731
00:37:27,880 --> 00:37:28,040
Speaker 5: you know.

732
00:37:28,320 --> 00:37:28,520
Speaker 3: Yeah.

733
00:37:28,840 --> 00:37:30,839
Speaker 6: I mean if you look at the Western society, it's

734
00:37:30,880 --> 00:37:34,759
Speaker 6: built on that, you know, insurance of health, insurance, the

735
00:37:34,840 --> 00:37:37,440
Speaker 6: whole thing of you know, it's because because they're like

736
00:37:37,840 --> 00:37:40,200
Speaker 6: you're pretty much putting stuff away for a rainy day

737
00:37:40,600 --> 00:37:43,160
Speaker 6: and then coming from a zoom construct, which is take

738
00:37:43,400 --> 00:37:46,799
Speaker 6: each day as it comes. It's like the two worlds collide. Yes,

739
00:37:47,239 --> 00:37:49,399
Speaker 6: So you can't expect them to be able to catch

740
00:37:49,400 --> 00:37:51,160
Speaker 6: you because they can't even catch themselves.

741
00:37:51,360 --> 00:37:52,799
Speaker 3: Yeah, for sure.

742
00:37:53,160 --> 00:38:02,919
Speaker 4: So it's such a weird dynamic. Yeah, money money, money,

743
00:38:04,040 --> 00:38:04,600
Speaker 4: that green.

744
00:38:06,880 --> 00:38:13,239
Speaker 3: So any financial regrets or wins that you are willing

745
00:38:13,320 --> 00:38:13,920
Speaker 3: to share.

746
00:38:13,880 --> 00:38:22,400
Speaker 6: Or regrets probably because I obviously earn in Australian dollars

747
00:38:22,880 --> 00:38:25,719
Speaker 6: and there was a time in like Australia and America

748
00:38:25,800 --> 00:38:28,399
Speaker 6: a few years so more than a few years ago.

749
00:38:28,520 --> 00:38:32,120
Speaker 6: Now we're on path just for like a month or two,

750
00:38:32,160 --> 00:38:33,960
Speaker 6: I don't know, But like there's one lady at my

751
00:38:34,040 --> 00:38:36,279
Speaker 6: work I remember saying, you know, should open a foreign

752
00:38:36,360 --> 00:38:38,680
Speaker 6: back and count put your US dollars away because you

753
00:38:38,800 --> 00:38:42,120
Speaker 6: go you use US dollars in ZIM. Yeah, yeah, I'll

754
00:38:42,160 --> 00:38:45,200
Speaker 6: get But like I think about that all the time,

755
00:38:45,280 --> 00:38:46,719
Speaker 6: Like that's so stupid because every time I have to

756
00:38:46,760 --> 00:38:49,480
Speaker 6: go to ZIM, I'm complaining about the raids and I'm

757
00:38:49,560 --> 00:38:51,719
Speaker 6: like I could have act like that as in you

758
00:38:51,880 --> 00:38:55,680
Speaker 6: where I do do that and put Yeah, I invest

759
00:38:55,760 --> 00:38:58,279
Speaker 6: in forks essentially what I do, and I will have

760
00:38:58,360 --> 00:39:00,680
Speaker 6: to use for any and even if not for going

761
00:39:00,760 --> 00:39:04,160
Speaker 6: to Zoom, even just for traveling, because every time converting

762
00:39:04,360 --> 00:39:06,239
Speaker 6: and all that stuff, You're like, it'd be good if

763
00:39:06,280 --> 00:39:11,799
Speaker 6: I used a currency that's probably more worldwide rather than

764
00:39:12,120 --> 00:39:14,960
Speaker 6: Asia Pacific because Australia. Yeah, you can change Australian dollars

765
00:39:15,040 --> 00:39:18,160
Speaker 6: if you're traveling within Asia, no worries. But once I

766
00:39:18,200 --> 00:39:23,600
Speaker 6: get to other countries, they're like, yeah, yeah, so that's

767
00:39:23,640 --> 00:39:28,720
Speaker 6: probably my regret. Whens girl, I'm still here Antia.

768
00:39:30,080 --> 00:39:33,000
Speaker 3: All I do is we win, no matter what. Got

769
00:39:33,120 --> 00:39:34,240
Speaker 3: money in my mom.

770
00:39:38,560 --> 00:39:43,000
Speaker 4: Girl, I'm just hyppy. I'm alive and breathing in this country.

771
00:39:43,400 --> 00:39:44,440
Speaker 4: This country is so.

772
00:39:46,000 --> 00:39:48,880
Speaker 6: So lonely if you don't make money, like it's so

773
00:39:49,160 --> 00:39:53,400
Speaker 6: quick to let there's no mercy. There's no mercy. And

774
00:39:53,600 --> 00:39:56,560
Speaker 6: COVID showed that because a lot of students, as you

775
00:39:56,640 --> 00:39:59,120
Speaker 6: talked about the Dispera episode, you got twenty hours a

776
00:39:59,200 --> 00:40:03,560
Speaker 6: week to work when all the restaurants closed and grooms

777
00:40:03,640 --> 00:40:04,160
Speaker 6: and everything.

778
00:40:04,440 --> 00:40:05,240
Speaker 4: People were suffering.

779
00:40:05,239 --> 00:40:07,759
Speaker 6: Who would even feed themselves because they were like they

780
00:40:07,800 --> 00:40:10,480
Speaker 6: had banked on coming here as a student and working.

781
00:40:11,280 --> 00:40:15,080
Speaker 6: You know, the reality had never been come here and

782
00:40:15,320 --> 00:40:17,759
Speaker 6: you can just not work. And I remember like our

783
00:40:17,840 --> 00:40:20,880
Speaker 6: Prime minister he was asked like what about the foreign students,

784
00:40:20,920 --> 00:40:23,800
Speaker 6: what about when they're handing out all these handouts for

785
00:40:24,200 --> 00:40:27,839
Speaker 6: citizens of Australia, And he was like, nah, the visa

786
00:40:27,880 --> 00:40:31,560
Speaker 6: stipulates you were able to live in this country, you

787
00:40:31,680 --> 00:40:32,799
Speaker 6: know when you apply for these.

788
00:40:33,040 --> 00:40:34,840
Speaker 4: But obviously, like people are like, yeah, we take that

789
00:40:35,000 --> 00:40:37,319
Speaker 4: that we can do it. But because they're banking one

790
00:40:37,440 --> 00:40:41,239
Speaker 4: hip working. Yeah, so I think it just.

791
00:40:41,320 --> 00:40:45,000
Speaker 6: Really showed me that first of all, thank god, you

792
00:40:45,120 --> 00:40:47,880
Speaker 6: know you got to keep my job. I'm not in

793
00:40:47,880 --> 00:40:51,600
Speaker 6: a financial strife after a whole pandemic. So yeah, that

794
00:40:51,719 --> 00:40:52,360
Speaker 6: I'm standing.

795
00:40:52,520 --> 00:40:54,279
Speaker 4: That's not when, for.

796
00:40:54,480 --> 00:40:57,360
Speaker 3: Sure I feel you. So what about you?

797
00:40:59,080 --> 00:41:03,000
Speaker 5: I think, and it's gonna sound crazy, but financial regret

798
00:41:03,120 --> 00:41:06,640
Speaker 5: that came to mind at least is the amount of

799
00:41:06,800 --> 00:41:11,719
Speaker 5: money I spent doing legal stuff and visa stuff in

800
00:41:12,040 --> 00:41:15,480
Speaker 5: essay to thingy and then it's rejected.

801
00:41:15,560 --> 00:41:19,800
Speaker 3: Then you try, I should have just been what doce

802
00:41:19,880 --> 00:41:23,880
Speaker 3: it like? It literally just like h through my savings

803
00:41:24,560 --> 00:41:27,279
Speaker 3: and this is what hurts me. Like I was telling you,

804
00:41:27,520 --> 00:41:28,279
Speaker 3: I was.

805
00:41:28,640 --> 00:41:31,440
Speaker 5: I've never been a splurgier. I've never been like you know,

806
00:41:32,160 --> 00:41:36,320
Speaker 5: I was very responsible in that way. But my goodness,

807
00:41:36,719 --> 00:41:38,680
Speaker 5: if I tell you, like it's one of those things

808
00:41:38,719 --> 00:41:40,200
Speaker 5: where you're like, you know what, I don't even know

809
00:41:40,320 --> 00:41:40,960
Speaker 5: I was fighting it.

810
00:41:41,480 --> 00:41:43,080
Speaker 3: I should have, you know. But at the same time,

811
00:41:43,120 --> 00:41:45,000
Speaker 3: it's I always want to make sure you give your

812
00:41:45,120 --> 00:41:46,440
Speaker 3: all to something.

813
00:41:46,760 --> 00:41:49,239
Speaker 4: Yeah, and people give your advice as well. They'll be

814
00:41:49,280 --> 00:41:54,239
Speaker 4: like try again, try again, it didn't it's hard and

815
00:41:54,400 --> 00:41:56,319
Speaker 4: this process girl, yeah, I get.

816
00:41:56,719 --> 00:41:59,440
Speaker 5: And then when you when you're visa like your lawyer

817
00:41:59,600 --> 00:42:02,040
Speaker 5: is just like yeah. It's rather like when literally the

818
00:42:02,160 --> 00:42:04,239
Speaker 5: lawyers just like, well, I don't think there's any more

819
00:42:04,280 --> 00:42:06,479
Speaker 5: to do. I remember, just me like so when even

820
00:42:06,520 --> 00:42:10,080
Speaker 5: when they get to this point, you know, it's a rap, rap,

821
00:42:12,760 --> 00:42:13,920
Speaker 5: but wins.

822
00:42:14,160 --> 00:42:15,040
Speaker 3: I think we.

823
00:42:15,120 --> 00:42:21,040
Speaker 5: Spoke last week about last week last episode about you know, moving.

824
00:42:20,840 --> 00:42:24,920
Speaker 3: To the diaspora and starting again from the bottom. And

825
00:42:25,400 --> 00:42:28,600
Speaker 3: I'm still here, like like literally that I've been able to.

826
00:42:30,160 --> 00:42:34,399
Speaker 5: Sustain also because people invested or supported me to get here.

827
00:42:34,440 --> 00:42:36,960
Speaker 5: They I could have come screwed it all up, been

828
00:42:37,080 --> 00:42:39,560
Speaker 5: like oh guys, by the way, it didn't work out

829
00:42:39,760 --> 00:42:40,200
Speaker 5: or do.

830
00:42:40,200 --> 00:42:40,920
Speaker 3: You get what I mean?

831
00:42:41,360 --> 00:42:47,000
Speaker 5: But completely I'm able to survive and still you know,

832
00:42:48,040 --> 00:42:51,120
Speaker 5: you know that for me is like okay, yeah, yeah.

833
00:42:51,840 --> 00:42:53,520
Speaker 4: And I think that's the thing with financing.

834
00:42:53,560 --> 00:42:55,800
Speaker 6: People think that you have to be big balain, but

835
00:42:55,960 --> 00:42:59,320
Speaker 6: sometimes just having a roof over your head, the savings

836
00:42:59,400 --> 00:43:02,640
Speaker 6: in the bank for rainy day and living your life and.

837
00:43:02,680 --> 00:43:04,200
Speaker 4: Not depending on anyone else.

838
00:43:05,080 --> 00:43:08,240
Speaker 6: Is good enough, Like the boling will come with time,

839
00:43:08,480 --> 00:43:11,160
Speaker 6: with whatever it will come if that's what you're after

840
00:43:11,280 --> 00:43:15,480
Speaker 6: and that want to go for But that basic I'm

841
00:43:15,520 --> 00:43:18,120
Speaker 6: living a good life is enough.

842
00:43:18,400 --> 00:43:19,480
Speaker 4: It really really for.

843
00:43:19,600 --> 00:43:22,120
Speaker 3: Sure for sure And then eventually we can eat a

844
00:43:22,200 --> 00:43:22,960
Speaker 3: rain yacht.

845
00:43:23,560 --> 00:43:28,680
Speaker 4: She could yacht is like, well, girl, we already did

846
00:43:28,800 --> 00:43:29,360
Speaker 4: in Thailand.

847
00:43:29,440 --> 00:43:32,560
Speaker 3: This yeah, people know.

848
00:43:35,040 --> 00:43:37,320
Speaker 4: Them, we already did it.

849
00:43:37,520 --> 00:43:41,200
Speaker 3: Like what what do you drink today? What'sn't that tea? Man?

850
00:43:41,360 --> 00:43:42,000
Speaker 3: Let's talk about that?

851
00:43:42,840 --> 00:43:45,239
Speaker 6: But okay, yeah, but for real, but you know what

852
00:43:45,360 --> 00:43:50,640
Speaker 6: I mean, you know, yes, yes, you're gonna do the

853
00:43:50,760 --> 00:43:51,279
Speaker 6: yacht life.

854
00:43:51,320 --> 00:43:52,520
Speaker 4: Don't worry, I don't worry.

855
00:43:52,920 --> 00:43:55,040
Speaker 3: Don't worry. We'll come for it. But we're just saying

856
00:43:55,080 --> 00:43:56,000
Speaker 3: we're here right.

857
00:43:56,000 --> 00:44:00,279
Speaker 4: Now and happy. And what's the best advise? See if

858
00:44:00,280 --> 00:44:02,400
Speaker 4: they ever got regarding money and.

859
00:44:02,560 --> 00:44:07,840
Speaker 5: Worse, I think the best advice was save, like saving

860
00:44:07,920 --> 00:44:11,759
Speaker 5: for a rainy day. And people have different percentages that

861
00:44:11,920 --> 00:44:16,040
Speaker 5: they try and say you should do, but when you

862
00:44:16,320 --> 00:44:19,560
Speaker 5: to aggressively do it, especially when you're starting out again,

863
00:44:20,680 --> 00:44:26,000
Speaker 5: like sacrifice certain things to get to that. And that

864
00:44:26,239 --> 00:44:29,200
Speaker 5: has been the best advice I got because it just

865
00:44:29,280 --> 00:44:31,680
Speaker 5: gives you a peace of mind that when you you

866
00:44:32,400 --> 00:44:34,920
Speaker 5: you know, reach your goals, then you're able to now

867
00:44:35,680 --> 00:44:38,480
Speaker 5: you know, save for other things or save in a

868
00:44:38,600 --> 00:44:42,480
Speaker 5: way that you know you can invest in or do.

869
00:44:42,480 --> 00:44:43,120
Speaker 3: You get what I mean?

870
00:44:43,239 --> 00:44:45,600
Speaker 4: So for me, yes, the house, whatever you want to do,

871
00:44:46,560 --> 00:44:46,960
Speaker 4: some of the.

872
00:44:47,040 --> 00:44:49,280
Speaker 3: Best best advice I've heard.

873
00:44:50,960 --> 00:44:54,080
Speaker 5: About that, and also like the as you make more money,

874
00:44:54,160 --> 00:44:56,240
Speaker 5: still live at the level you will live like don't

875
00:44:56,840 --> 00:44:59,759
Speaker 5: like be careful to over extend your lifestyle.

876
00:45:00,640 --> 00:45:03,759
Speaker 6: Yes, from what you get a five percent pay rise

877
00:45:03,800 --> 00:45:06,879
Speaker 6: and you live with twenty more percent life Yeah, yeah,

878
00:45:08,239 --> 00:45:12,399
Speaker 6: you and for you I think for me, apart from

879
00:45:12,440 --> 00:45:14,799
Speaker 6: what you spoke about sacrifices, definitely beig.

880
00:45:15,280 --> 00:45:16,800
Speaker 4: You can't just think it's easy.

881
00:45:17,520 --> 00:45:20,120
Speaker 6: So if you're gonna go for a real aggressive saving

882
00:45:20,320 --> 00:45:23,040
Speaker 6: or saving over a period of time, you have to say.

883
00:45:23,000 --> 00:45:23,640
Speaker 4: No to things.

884
00:45:24,719 --> 00:45:29,080
Speaker 6: I think brutal honesty within yourself, whether you look at

885
00:45:29,080 --> 00:45:31,880
Speaker 6: your spending, whether you look at where you put your money.

886
00:45:33,200 --> 00:45:35,640
Speaker 6: You know, if you love drinking for example, or going

887
00:45:35,680 --> 00:45:38,640
Speaker 6: out with friends, or you know, whatever it is, whatever

888
00:45:38,680 --> 00:45:41,600
Speaker 6: your vices. I suppose I could say, are really being

889
00:45:41,719 --> 00:45:44,480
Speaker 6: honest about you know how much they cost you and

890
00:45:44,760 --> 00:45:47,240
Speaker 6: or how you can do it cheaper or savvier.

891
00:45:47,640 --> 00:45:48,240
Speaker 4: Being savvy.

892
00:45:48,320 --> 00:45:51,320
Speaker 6: I think sometimes we're like told to just be ballin bolin,

893
00:45:51,360 --> 00:45:53,200
Speaker 6: but it's like, no, being savvy is also a form

894
00:45:53,280 --> 00:45:56,400
Speaker 6: of ballin, like being clever with it. You know, it's okay,

895
00:45:56,680 --> 00:45:59,640
Speaker 6: it's not You're not being a miser, You're not being

896
00:46:00,560 --> 00:46:04,640
Speaker 6: You're just being clever. And I think for me it's

897
00:46:04,800 --> 00:46:08,520
Speaker 6: really also been it's in the small things. So for example,

898
00:46:08,600 --> 00:46:12,520
Speaker 6: I take, there's a nice cafeteria at my work, beautiful

899
00:46:13,320 --> 00:46:17,360
Speaker 6: gorgeous food, like amazing, and I could go there easily

900
00:46:17,440 --> 00:46:19,839
Speaker 6: every day, and I see Semple going there easily every

901
00:46:19,880 --> 00:46:20,760
Speaker 6: day for their lunch.

902
00:46:21,320 --> 00:46:24,359
Speaker 4: But then for me, I'll pack my little lunch every

903
00:46:24,480 --> 00:46:26,399
Speaker 4: day and I'll have my little lunch bag.

904
00:46:26,880 --> 00:46:28,880
Speaker 6: So I feel like for me, it's in those small

905
00:46:28,920 --> 00:46:31,879
Speaker 6: little things because if I'm trying to save I can't

906
00:46:31,960 --> 00:46:35,360
Speaker 6: then also be treating myself quote unquote every day, like

907
00:46:35,600 --> 00:46:38,840
Speaker 6: really defining and being honest about what a treat is.

908
00:46:38,960 --> 00:46:41,600
Speaker 6: A treat isn't daily, And that's not to say you

909
00:46:41,640 --> 00:46:43,759
Speaker 6: don't love yourself, but it's to say you have a

910
00:46:43,840 --> 00:46:45,399
Speaker 6: long term all.

911
00:46:46,200 --> 00:46:49,080
Speaker 4: So I think, yeah, it's in the small thing for sure.

912
00:46:49,200 --> 00:46:53,239
Speaker 3: That packed lunch is clutch. I'll tell you that, I.

913
00:46:53,280 --> 00:46:57,000
Speaker 4: Will call healthy most times healthy, Yeah.

914
00:46:57,200 --> 00:46:57,840
Speaker 3: It's clutch.

915
00:47:00,320 --> 00:47:03,520
Speaker 5: And any tips I suppose you've already kind of given tips.

916
00:47:03,880 --> 00:47:06,439
Speaker 4: Yeah, yeah, okay, take your lunch to work.

917
00:47:07,360 --> 00:47:09,279
Speaker 3: Take your lunch to work, I'm telling you.

918
00:47:09,600 --> 00:47:13,279
Speaker 5: And also high low when you're buying, and I guess

919
00:47:13,440 --> 00:47:16,320
Speaker 5: we'll have a fashion episode. But like when you're you know,

920
00:47:16,760 --> 00:47:19,200
Speaker 5: with clothes this you don't have to wear a label

921
00:47:19,239 --> 00:47:19,600
Speaker 5: head to do.

922
00:47:20,239 --> 00:47:23,920
Speaker 3: That's what I'm saying, Like, no, there's there's ways to

923
00:47:24,000 --> 00:47:27,719
Speaker 3: do it. I'm a big DIY proponent. I know a

924
00:47:27,800 --> 00:47:29,239
Speaker 3: lot of people look at me like, girl, you do

925
00:47:29,360 --> 00:47:29,680
Speaker 3: too much.

926
00:47:30,280 --> 00:47:34,239
Speaker 5: But like DII whying things, whether it's my idea, why

927
00:47:34,400 --> 00:47:41,080
Speaker 5: my nails, I even like just different things like because

928
00:47:41,200 --> 00:47:44,040
Speaker 5: for me it gives me joy. If it doesn't give

929
00:47:44,080 --> 00:47:46,640
Speaker 5: you joy, then say like have your like, Okay, this

930
00:47:46,800 --> 00:47:48,480
Speaker 5: is my thing I do for myself.

931
00:47:48,600 --> 00:47:49,840
Speaker 3: Absolutely you're allowed to.

932
00:47:50,520 --> 00:47:55,080
Speaker 5: But you know, finding ways around doing things the expensive

933
00:47:55,160 --> 00:47:58,440
Speaker 5: way all the time, like the honey forking out all

934
00:47:58,480 --> 00:47:58,839
Speaker 5: the time.

935
00:47:59,200 --> 00:48:01,400
Speaker 4: Yeah, And that's the research because I feel like a

936
00:48:01,480 --> 00:48:03,360
Speaker 4: lot of people don't do the work. They don't do

937
00:48:03,440 --> 00:48:03,920
Speaker 4: their research.

938
00:48:04,000 --> 00:48:07,200
Speaker 6: So if there's a sale going on, if they you know,

939
00:48:07,320 --> 00:48:09,600
Speaker 6: keeping your ear to the ground on things like if

940
00:48:09,600 --> 00:48:11,160
Speaker 6: you want to buy something, you don't have to just

941
00:48:11,320 --> 00:48:13,560
Speaker 6: go straight out the gate and buy it. You can't

942
00:48:13,600 --> 00:48:15,560
Speaker 6: take your time and really make sure you're making the

943
00:48:15,640 --> 00:48:18,160
Speaker 6: right decision. But having said that, there'll always be something

944
00:48:18,239 --> 00:48:20,759
Speaker 6: cheaper out there, so at some point you will have to.

945
00:48:20,800 --> 00:48:24,160
Speaker 4: Make you know. But I feel like sometimes we don't

946
00:48:24,239 --> 00:48:25,960
Speaker 4: research enough as they should.

947
00:48:26,480 --> 00:48:29,880
Speaker 3: They don't. But yeah, how did you feel when you

948
00:48:30,040 --> 00:48:33,320
Speaker 3: reach your financial goal? Well, I feel like you're supposed

949
00:48:33,320 --> 00:48:34,080
Speaker 3: to have multiple I.

950
00:48:34,120 --> 00:48:37,680
Speaker 4: Mean, yeah, I don't think i'll ever reach them. Yeah

951
00:48:37,880 --> 00:48:43,000
Speaker 4: yet life yet that life.

952
00:48:43,600 --> 00:48:47,120
Speaker 6: Yeah, but I mean even those small little ones were

953
00:48:47,239 --> 00:48:49,880
Speaker 6: really like even if you have a target amount and

954
00:48:49,920 --> 00:48:52,600
Speaker 6: your savings or it's just good to have a pat

955
00:48:52,680 --> 00:48:54,680
Speaker 6: on your back about it and then also to keep going,

956
00:48:54,920 --> 00:48:56,839
Speaker 6: like you enjoy the view for a moment and then

957
00:48:56,920 --> 00:48:59,920
Speaker 6: you just keep going. But yeah, it felt good, I

958
00:49:00,080 --> 00:49:02,600
Speaker 6: think for a small little girl grew up in Zimbabwe

959
00:49:02,680 --> 00:49:04,640
Speaker 6: and then to come here to Australia and do that.

960
00:49:05,200 --> 00:49:06,960
Speaker 4: It's also it's also good like.

961
00:49:07,000 --> 00:49:08,560
Speaker 6: And I have to pat myself on the back for

962
00:49:08,719 --> 00:49:11,959
Speaker 6: that sometimes, like, hey, the odds were against us, yeah,

963
00:49:12,160 --> 00:49:13,600
Speaker 6: and look so we're.

964
00:49:13,480 --> 00:49:17,719
Speaker 3: Here, get me down. Look now, look at me.

965
00:49:17,920 --> 00:49:21,680
Speaker 6: Now, hey I'm getting I'm getting papery.

966
00:49:22,680 --> 00:49:27,360
Speaker 5: People are think these things be right, somebody, we are somebody,

967
00:49:27,440 --> 00:49:33,160
Speaker 5: but not just anyway. Yeah, I agree, I struggle with

968
00:49:34,480 --> 00:49:39,000
Speaker 5: celebrating the the winds, but I have people who hold

969
00:49:39,040 --> 00:49:42,400
Speaker 5: me accountable to it, my sister Amanda, like I have

970
00:49:42,520 --> 00:49:43,240
Speaker 5: people who.

971
00:49:43,360 --> 00:49:44,680
Speaker 3: Are like, so, what are you going to do to

972
00:49:45,200 --> 00:49:48,840
Speaker 3: kind of reward yourself? And because I'm always quick to

973
00:49:48,880 --> 00:49:53,480
Speaker 3: think of what's next, which yeah, so yeah, for sure. Yeah,

974
00:49:53,520 --> 00:49:55,440
Speaker 3: I don't, I don't know. I don't. I hope people

975
00:49:55,640 --> 00:49:58,480
Speaker 3: will glean something from this episode.

976
00:50:00,200 --> 00:50:02,319
Speaker 6: I mean, I think money is just such a it's

977
00:50:02,360 --> 00:50:07,840
Speaker 6: a shame that is such a closeted topic because really

978
00:50:07,960 --> 00:50:10,120
Speaker 6: a lot of people don't know what they're doing, and

979
00:50:10,360 --> 00:50:12,480
Speaker 6: you learn along the way, and sometimes you can make

980
00:50:12,560 --> 00:50:16,120
Speaker 6: mistakes that you can't take back to some you can.

981
00:50:16,840 --> 00:50:20,560
Speaker 6: So it just depends, like, yeah, I wish that we

982
00:50:20,680 --> 00:50:23,080
Speaker 6: were also in an economy where we could learn bit

983
00:50:23,160 --> 00:50:24,520
Speaker 6: by bit, you know that I do see.

984
00:50:24,840 --> 00:50:26,640
Speaker 4: Having said that, Australian kids don't have.

985
00:50:26,640 --> 00:50:28,600
Speaker 6: It all the way together either, even though they've been

986
00:50:28,640 --> 00:50:30,960
Speaker 6: in the workforce for longer, since they're.

987
00:50:30,800 --> 00:50:32,440
Speaker 4: Thirteen fourteen, they still don't know.

988
00:50:33,040 --> 00:50:35,759
Speaker 6: So even they always complain that they don't know what

989
00:50:35,840 --> 00:50:39,520
Speaker 6: their parents have, what the inheritance looks like, all those things,

990
00:50:40,560 --> 00:50:41,240
Speaker 6: because yeah.

991
00:50:41,080 --> 00:50:44,120
Speaker 3: Money inheritance a ruh.

992
00:50:44,680 --> 00:50:47,560
Speaker 4: But yeah, but that's only some of them.

993
00:50:48,719 --> 00:50:51,600
Speaker 6: But like, it's just it's just that notion that I

994
00:50:51,680 --> 00:50:56,880
Speaker 6: feel like all across the world, money is a closeted background,

995
00:50:57,080 --> 00:51:00,160
Speaker 6: no one, no one, you know topic within families. We

996
00:51:00,360 --> 00:51:04,040
Speaker 6: just assume from what we see on the outside, which

997
00:51:04,080 --> 00:51:07,399
Speaker 6: is why materialism and elitism and all that stuff comes

998
00:51:07,440 --> 00:51:11,359
Speaker 6: into play, because it gives us a perception of how they.

999
00:51:11,280 --> 00:51:18,960
Speaker 4: Are with money, which reallyas.

1000
00:51:15,960 --> 00:51:18,439
Speaker 3: But no, thank you so much. And before we wrap

1001
00:51:18,520 --> 00:51:21,279
Speaker 3: it up, who are we shouting out today? For us?

1002
00:51:21,480 --> 00:51:27,160
Speaker 6: Shout out today, we're doing another old girl from high school.

1003
00:51:27,480 --> 00:51:30,279
Speaker 6: So her name is Electa Ambert. I think her and

1004
00:51:30,719 --> 00:51:34,360
Speaker 6: sister Adelaide were like our seniors in high school. She

1005
00:51:34,680 --> 00:51:40,440
Speaker 6: has a YouTube online platform where she's teaching kids from

1006
00:51:40,480 --> 00:51:43,800
Speaker 6: the age of three how to speak Shana. Sometimes she

1007
00:51:43,880 --> 00:51:47,440
Speaker 6: sings along to song, sometimes she just you know, does

1008
00:51:47,520 --> 00:51:50,840
Speaker 6: a plane lesson. But either way, we really do celebrate

1009
00:51:50,920 --> 00:51:53,200
Speaker 6: it because I feel like, you know, as we all

1010
00:51:53,320 --> 00:51:56,000
Speaker 6: live far far away from home, it's nice to still

1011
00:51:56,320 --> 00:52:00,200
Speaker 6: uphold our beautiful language. So we're gonna obviously link her

1012
00:52:00,280 --> 00:52:05,600
Speaker 6: in and her own personal instagram is Electa Underscore Kusai

1013
00:52:06,000 --> 00:52:11,560
Speaker 6: with a Y, but her actual platform is Beginners Underscore

1014
00:52:11,680 --> 00:52:17,520
Speaker 6: Shauna Underscore Lessons on Instagram and on YouTube, so definitely

1015
00:52:17,600 --> 00:52:20,280
Speaker 6: check it out, especially if you have kids, or especially

1016
00:52:20,280 --> 00:52:21,720
Speaker 6: if you need to polish up your shauna.

1017
00:52:22,000 --> 00:52:26,279
Speaker 4: Yeah too, so yeah. Sending our shout out to her today.

1018
00:52:26,320 --> 00:52:28,520
Speaker 3: Shout out to you, Thank you so much. Shout out

1019
00:52:28,520 --> 00:52:32,200
Speaker 3: to you, Amanda for being with me on this journey.

1020
00:52:32,480 --> 00:52:34,680
Speaker 5: You can, of course dm as. We love to hear

1021
00:52:34,760 --> 00:52:38,719
Speaker 5: your thoughts feed We get some really dope feedback on episode,

1022
00:52:38,880 --> 00:52:41,600
Speaker 5: so please don't be shout don't be scirsburg. You can

1023
00:52:41,640 --> 00:52:45,439
Speaker 5: always let us know. We're on Instagram, it's layered where

1024
00:52:45,640 --> 00:52:49,080
Speaker 5: you can email us. It's layered pod at gmail dot com.

1025
00:52:50,520 --> 00:52:54,399
Speaker 3: Send us any feedback you have, thoughts, suggestions. We're here

1026
00:52:54,480 --> 00:52:56,080
Speaker 3: for it and how to make more money.

1027
00:52:56,200 --> 00:52:59,040
Speaker 6: Please, if anyone has a secret, I'm always our passive

1028
00:52:59,080 --> 00:52:59,959
Speaker 6: income is well.

1029
00:53:00,880 --> 00:53:01,560
Speaker 3: Bring it through.

1030
00:53:05,840 --> 00:53:08,400
Speaker 5: On that note, thank you everybody for listening to this

1031
00:53:08,680 --> 00:53:12,279
Speaker 5: Finance episode. Take care of yourselves and we'll see you

1032
00:53:12,560 --> 00:53:13,759
Speaker 5: next time. Bye.

1033
00:53:14,840 --> 00:53:16,120
Speaker 4: Bye guys bee.

1034
00:53:16,800 --> 00:53:23,960
Speaker 3: Hello those it will use your