1
00:00:00,200 --> 00:00:02,040
Speaker 1: She's on the Money.

2
00:00:02,160 --> 00:00:05,800
Speaker 2: She's on the Money.

3
00:00:13,680 --> 00:00:16,799
Speaker 3: Hello, and welcome to She's on the Money, the podcast

4
00:00:16,880 --> 00:00:21,759
Speaker 3: for millennials who want financial freedom. Welcome to your Monday morning.

5
00:00:21,840 --> 00:00:24,200
Speaker 3: I hope you've had a great weekend. I've got Miss

6
00:00:24,320 --> 00:00:27,480
Speaker 3: Victoria Devine right here with me as always.

7
00:00:27,560 --> 00:00:31,880
Speaker 2: Hello. You are so lucky, Tony Lodge. I am really lucky.

8
00:00:31,920 --> 00:00:34,720
Speaker 3: I just love waking up on a Monday morning seeing

9
00:00:34,760 --> 00:00:35,760
Speaker 3: your beautiful face.

10
00:00:36,280 --> 00:00:38,040
Speaker 2: Oh, you are too kind. Do you want to share

11
00:00:38,080 --> 00:00:41,160
Speaker 2: with everybody what you're wearing right now? Because we're recording remotely,

12
00:00:42,080 --> 00:00:45,599
Speaker 2: I'm wearing my dressing gown. It's very cute. And what

13
00:00:45,640 --> 00:00:48,360
Speaker 2: if I got I've got like a big fluffy, blankety

14
00:00:48,520 --> 00:00:49,680
Speaker 2: blank back.

15
00:00:50,120 --> 00:00:52,280
Speaker 3: Yeah, both of us are looking a little bit tragic,

16
00:00:52,320 --> 00:00:55,480
Speaker 3: but it's the perfect, perfect, perfect way to sit and

17
00:00:55,520 --> 00:00:57,800
Speaker 3: listen to this money diary that we've got today.

18
00:00:58,240 --> 00:01:00,360
Speaker 2: I love a love story and this is that?

19
00:01:00,640 --> 00:01:00,880
Speaker 1: Is it?

20
00:01:00,920 --> 00:01:03,360
Speaker 2: Actually? I'm so excited. Can you please save me the

21
00:01:03,440 --> 00:01:05,640
Speaker 2: email and let's get into it all right.

22
00:01:06,280 --> 00:01:08,720
Speaker 3: When I was twenty four, I quit my office job

23
00:01:08,760 --> 00:01:11,320
Speaker 3: and went to France to volunteer in a monastery in

24
00:01:11,319 --> 00:01:14,039
Speaker 3: France for a year. While I was there, I met

25
00:01:14,040 --> 00:01:16,759
Speaker 3: a boy who was also volunteering and was not a monk,

26
00:01:16,959 --> 00:01:19,600
Speaker 3: and we fell in love. When he left the monastery,

27
00:01:19,680 --> 00:01:22,360
Speaker 3: I had three months left on my visa. I left

28
00:01:22,400 --> 00:01:24,800
Speaker 3: the monastery too and went to live with him and

29
00:01:24,880 --> 00:01:27,679
Speaker 3: his family in the Netherlands for three months so I

30
00:01:27,720 --> 00:01:30,800
Speaker 3: could work out if this relationship was worth negotiating such

31
00:01:30,840 --> 00:01:35,440
Speaker 3: a geographically complicated situation for. Very quickly, we knew the

32
00:01:35,480 --> 00:01:38,520
Speaker 3: relationship was the real deal, and we both realized that

33
00:01:38,560 --> 00:01:41,680
Speaker 3: parting was not an option. So I phoned my mum,

34
00:01:42,200 --> 00:01:44,720
Speaker 3: which is what everyone needs to do in this situation.

35
00:01:44,840 --> 00:01:47,720
Speaker 2: Yeah, yeah, good, everyone would do that absolutely.

36
00:01:48,440 --> 00:01:50,400
Speaker 3: She was so scared I would stay in Europe and

37
00:01:50,480 --> 00:01:53,280
Speaker 3: never come home that she, who had no savings or

38
00:01:53,320 --> 00:01:56,240
Speaker 3: any money behind her, went and got a ten thousand

39
00:01:56,280 --> 00:02:00,640
Speaker 3: dollar personal loan and transferred it all to me so

40
00:02:00,680 --> 00:02:02,720
Speaker 3: that we could have the money we needed to purchase

41
00:02:02,760 --> 00:02:06,720
Speaker 3: for him a working holiday visa, our return flight for Australia,

42
00:02:07,160 --> 00:02:09,400
Speaker 3: the travel insurance for the year, as well as having

43
00:02:09,440 --> 00:02:12,359
Speaker 3: five thousand dollars in his bank account required for him

44
00:02:12,400 --> 00:02:14,960
Speaker 3: to enter the country on the working holiday visa.

45
00:02:15,320 --> 00:02:18,800
Speaker 2: Oh my God made it. When we say mums really

46
00:02:18,800 --> 00:02:21,679
Speaker 2: got my back, Like you mean, mum, we got my back.

47
00:02:22,120 --> 00:02:23,040
Speaker 2: This is what mums are for.

48
00:02:24,120 --> 00:02:26,440
Speaker 3: We made it to Australia and we needed to repay

49
00:02:26,480 --> 00:02:29,080
Speaker 3: my mum and start working on our application for the

50
00:02:29,080 --> 00:02:32,120
Speaker 3: partnership visa, and the cost had gone from three thousand

51
00:02:32,200 --> 00:02:35,959
Speaker 3: dollars to five thousand dollars just to apply with no guarantee.

52
00:02:36,480 --> 00:02:38,920
Speaker 3: We got a personal loan for the partnership visa as

53
00:02:38,919 --> 00:02:42,600
Speaker 3: well as consolidating that leftover credit card debt. While we

54
00:02:42,639 --> 00:02:44,800
Speaker 3: waited for the partnership visa, he couldn't do much in

55
00:02:44,800 --> 00:02:47,240
Speaker 3: the way of work, so we lived just off my income.

56
00:02:47,600 --> 00:02:50,359
Speaker 3: He volunteered and in return had his studies paid for.

57
00:02:50,680 --> 00:02:53,320
Speaker 3: But we now have both moved and a working part time.

58
00:02:53,800 --> 00:02:54,880
Speaker 1: That's so exciting.

59
00:02:55,720 --> 00:02:58,360
Speaker 3: But he still isn't a citizen yet, so he can't

60
00:02:58,400 --> 00:03:02,320
Speaker 3: access fee help, so we're paying upfront for him to study. Luckily,

61
00:03:02,360 --> 00:03:05,440
Speaker 3: the citizenship application is only two hundred and eighty five dollars,

62
00:03:05,560 --> 00:03:08,359
Speaker 3: but it's still a big job paperwork wise. Pretty sure

63
00:03:08,360 --> 00:03:11,120
Speaker 3: I have the most expensive husband ever. Good thing he's

64
00:03:11,120 --> 00:03:12,320
Speaker 3: one hundred percent worth it.

65
00:03:12,520 --> 00:03:16,120
Speaker 2: Oh that's so sweet. Who can say, Oh, yeah, I

66
00:03:16,160 --> 00:03:19,160
Speaker 2: met my partner at a monastery like I met mine

67
00:03:19,200 --> 00:03:19,760
Speaker 2: on Tinder?

68
00:03:20,760 --> 00:03:24,000
Speaker 3: What well, we need to ask these questions, and luckily

69
00:03:24,040 --> 00:03:26,200
Speaker 3: we've got our money diarist on the line with us.

70
00:03:26,280 --> 00:03:26,480
Speaker 2: Hi.

71
00:03:27,320 --> 00:03:30,520
Speaker 3: Hello, thank you for being here and sharing your story.

72
00:03:30,560 --> 00:03:33,280
Speaker 3: What a romance whirlwind it was.

73
00:03:33,360 --> 00:03:35,400
Speaker 1: Rather, that is so sweet.

74
00:03:35,720 --> 00:03:39,480
Speaker 2: Oh my gosh, from a monastery. Did you expect to

75
00:03:39,480 --> 00:03:41,960
Speaker 2: meet someone in a monastery? Really? Not?

76
00:03:42,840 --> 00:03:46,160
Speaker 1: No, No, it's not what I got to pick up.

77
00:03:46,600 --> 00:03:48,960
Speaker 2: No, I just didn't think you were like, oh, I'm single.

78
00:03:49,040 --> 00:03:51,560
Speaker 2: I'm going to go out to the monastery this weekend.

79
00:03:54,040 --> 00:03:57,240
Speaker 3: And obviously we've got our our questions. We always ask

80
00:03:57,280 --> 00:03:59,360
Speaker 3: our money diarists, but I really need to know. So

81
00:03:59,440 --> 00:04:01,120
Speaker 3: you're married, now you're together us?

82
00:04:01,480 --> 00:04:03,080
Speaker 1: Yeah, so you've been married for six years?

83
00:04:04,280 --> 00:04:05,040
Speaker 2: Six years?

84
00:04:05,480 --> 00:04:06,960
Speaker 1: Hmm, oh my gosh.

85
00:04:06,960 --> 00:04:09,320
Speaker 2: All right, Well, we've got so many questions because at

86
00:04:09,360 --> 00:04:10,880
Speaker 2: the end of the day, I love love, and I

87
00:04:10,880 --> 00:04:13,080
Speaker 2: also love talking about money. So let's talk about money.

88
00:04:13,120 --> 00:04:15,440
Speaker 2: Then let's talk about him, because that's really fun.

89
00:04:15,440 --> 00:04:16,280
Speaker 1: My favorite things.

90
00:04:16,560 --> 00:04:21,039
Speaker 2: Yeah, let's jump straight into the structured questions though. First

91
00:04:21,080 --> 00:04:24,000
Speaker 2: things first, what is your attitude towards money?

92
00:04:24,760 --> 00:04:27,480
Speaker 1: Well, I grew up with my mom, just the two

93
00:04:27,520 --> 00:04:30,200
Speaker 1: of us, and she was on Centralink the whole time,

94
00:04:30,279 --> 00:04:35,400
Speaker 1: so I've definitely learned the value of budgeting. I often

95
00:04:35,440 --> 00:04:39,679
Speaker 1: actually feel guilty when I make money because I feel

96
00:04:39,720 --> 00:04:42,160
Speaker 1: like the person I'm making money from could be my mom.

97
00:04:42,560 --> 00:04:45,440
Speaker 1: They might really actually need that money. So I've had

98
00:04:45,480 --> 00:04:48,960
Speaker 1: to deal with those like guilt feelings about having money,

99
00:04:49,240 --> 00:04:51,200
Speaker 1: which I do now that I've grown up and I

100
00:04:51,240 --> 00:04:54,720
Speaker 1: have a job, and I've actually learned to really enjoy

101
00:04:55,720 --> 00:04:58,560
Speaker 1: what money can give me, especially in so far as

102
00:04:58,640 --> 00:05:03,839
Speaker 1: feeling free to help other people, especially my mom, give

103
00:05:03,880 --> 00:05:05,880
Speaker 1: back to her a bit after all she's done for me.

104
00:05:06,400 --> 00:05:09,480
Speaker 2: That's so sweet. And I feel like so many people

105
00:05:09,560 --> 00:05:12,720
Speaker 2: in this situation really feel guilt about them going out

106
00:05:12,760 --> 00:05:15,679
Speaker 2: and earning your own money, when in reality, you should

107
00:05:15,680 --> 00:05:18,240
Speaker 2: absolutely not feel guilty because one, you're breaking a bit

108
00:05:18,240 --> 00:05:20,640
Speaker 2: of a cycle because you're not reliant on that. But

109
00:05:20,920 --> 00:05:24,359
Speaker 2: by earning money, you're paying tags, which then goes towards

110
00:05:24,360 --> 00:05:27,760
Speaker 2: making sure other people are actually supported when they need it.

111
00:05:27,800 --> 00:05:29,760
Speaker 2: And I think that it's you know, if what goes

112
00:05:29,800 --> 00:05:33,000
Speaker 2: around comes around, and there's absolutely no shame in being

113
00:05:33,040 --> 00:05:36,080
Speaker 2: nocentlingk or relying on it. But there is this really

114
00:05:36,080 --> 00:05:39,680
Speaker 2: big guilt piece for people who have family members or

115
00:05:39,720 --> 00:05:42,320
Speaker 2: friends who maybe aren't able to generate an income in

116
00:05:42,360 --> 00:05:44,640
Speaker 2: the same way that you do, and it's just it's

117
00:05:44,680 --> 00:05:47,960
Speaker 2: not fair, Like making money is not something that we

118
00:05:48,000 --> 00:05:51,000
Speaker 2: should be ashamed of in any way, shape or form.

119
00:05:51,000 --> 00:05:54,240
Speaker 2: All Right, you said you make money. Next question is

120
00:05:54,360 --> 00:05:56,359
Speaker 2: what do you do for work and how much do

121
00:05:56,440 --> 00:05:57,080
Speaker 2: you earn?

122
00:05:58,200 --> 00:06:01,599
Speaker 1: Okay, well, I said that, I'm my husband at a monastery.

123
00:06:02,160 --> 00:06:06,240
Speaker 1: So the next piece is I'm a deacon in the

124
00:06:06,279 --> 00:06:09,040
Speaker 1: Anglican Church and probably at the end of this year

125
00:06:09,120 --> 00:06:11,000
Speaker 1: or early next year, I will become a priest in

126
00:06:11,040 --> 00:06:13,800
Speaker 1: the Anglican Church. Oh my gosh, that is so cool.

127
00:06:14,240 --> 00:06:16,640
Speaker 2: Wow. How did you get into that?

128
00:06:18,279 --> 00:06:21,560
Speaker 1: I think it started at the monastery, just feeling how

129
00:06:21,720 --> 00:06:24,880
Speaker 1: life giving it was to be in that world and

130
00:06:25,200 --> 00:06:29,360
Speaker 1: how significant that sort of community life and dealing with

131
00:06:29,440 --> 00:06:32,680
Speaker 1: like the really real things in life. How significant that

132
00:06:32,800 --> 00:06:35,280
Speaker 1: was to me compared to what my office job had

133
00:06:35,320 --> 00:06:40,279
Speaker 1: been like, which had felt really pointless, just relentless getting

134
00:06:40,360 --> 00:06:42,120
Speaker 1: up every day to go to work, to come home,

135
00:06:42,200 --> 00:06:44,359
Speaker 1: to sleep, to go to work, and just thinking what

136
00:06:44,400 --> 00:06:47,279
Speaker 1: am I doing this for? Whereas spending time in the

137
00:06:47,279 --> 00:06:50,359
Speaker 1: monastery with people and with the real things of life

138
00:06:50,440 --> 00:06:51,760
Speaker 1: made me think I want to do this for the

139
00:06:51,760 --> 00:06:54,120
Speaker 1: rest of my life and so in the church I

140
00:06:54,160 --> 00:06:58,200
Speaker 1: can do that. I'm actually dealing with what actually is

141
00:06:58,240 --> 00:07:02,000
Speaker 1: important to people and what is touching emotionally with life

142
00:07:02,040 --> 00:07:06,320
Speaker 1: and birth and death and everything. The big question is special.

143
00:07:06,800 --> 00:07:08,640
Speaker 2: Do you know what really gets me about that? Is

144
00:07:08,680 --> 00:07:11,400
Speaker 2: that such a special job and yet you still feel

145
00:07:12,080 --> 00:07:15,320
Speaker 2: guilty for earning money from having such a big impact,

146
00:07:15,520 --> 00:07:19,160
Speaker 2: Like what, Like, you give so much you should absolutely

147
00:07:19,240 --> 00:07:20,960
Speaker 2: not feel any level of guilt.

148
00:07:21,400 --> 00:07:23,560
Speaker 1: Churches aren't known for having loads of money, at least

149
00:07:23,560 --> 00:07:26,440
Speaker 1: not where I'm working at a.

150
00:07:26,560 --> 00:07:30,040
Speaker 2: Right, so TLDR to get really rich become a priest?

151
00:07:30,280 --> 00:07:34,080
Speaker 2: Is that where we're going with this? No, damn, I

152
00:07:34,080 --> 00:07:35,920
Speaker 2: thought I had a career change in me. That turns

153
00:07:35,920 --> 00:07:38,600
Speaker 2: out I don't. All right, next question.

154
00:07:38,480 --> 00:07:40,280
Speaker 1: I haven't told you how much I earn yet, and

155
00:07:40,320 --> 00:07:42,560
Speaker 1: I'm happy to share that. Yeah, No, I want to know,

156
00:07:42,840 --> 00:07:44,960
Speaker 1: so I'll make sure to make it a really full picture.

157
00:07:45,040 --> 00:07:47,640
Speaker 2: My gosh, I'm a terrible person. I'm just so pervy.

158
00:07:49,920 --> 00:07:52,120
Speaker 1: Well, I'm only working part time because there's actually not

159
00:07:52,200 --> 00:07:55,040
Speaker 1: a lot of churches that can support full time people

160
00:07:55,080 --> 00:07:57,880
Speaker 1: out in the country where I live. So I'm earning

161
00:07:58,240 --> 00:08:02,280
Speaker 1: about twenty eight thousand a year and my husband is

162
00:08:02,360 --> 00:08:04,480
Speaker 1: doing the exact same thing as me. So he had

163
00:08:04,520 --> 00:08:06,760
Speaker 1: the same kind of revelations in the monastery. So he's

164
00:08:06,800 --> 00:08:09,760
Speaker 1: also currently a deacon, also planning to be priested next year,

165
00:08:09,880 --> 00:08:14,320
Speaker 1: also working part time, also on the same income. Yes,

166
00:08:14,560 --> 00:08:17,200
Speaker 1: so our household income is fifty six thousand a year,

167
00:08:17,240 --> 00:08:20,400
Speaker 1: but we also in our work get accommodation provided and

168
00:08:20,480 --> 00:08:23,040
Speaker 1: our electricity paid, so that helps a lot.

169
00:08:23,360 --> 00:08:26,400
Speaker 2: Wow, yeah, that would help a lot. But how special

170
00:08:26,480 --> 00:08:29,760
Speaker 2: to have somebody who's on literally the same page with

171
00:08:29,880 --> 00:08:33,520
Speaker 2: you emotionally, spiritually, like career wise, Like.

172
00:08:33,640 --> 00:08:36,080
Speaker 1: Whoa, I feel I have hit the jackpot.

173
00:08:36,160 --> 00:08:40,120
Speaker 2: You literally found your soulmate. How cool is that? All right?

174
00:08:40,720 --> 00:08:43,040
Speaker 2: What is currently your big money goal?

175
00:08:43,480 --> 00:08:46,600
Speaker 1: My big money goal is actually just to make sure

176
00:08:46,800 --> 00:08:49,560
Speaker 1: that we are financially secure for the future. So I

177
00:08:49,640 --> 00:08:51,640
Speaker 1: don't have the goal of buying a house because we

178
00:08:51,720 --> 00:08:55,480
Speaker 1: have accommodation provided for how long we're working. But I

179
00:08:55,520 --> 00:08:57,320
Speaker 1: do want to have enough behind us to buy a

180
00:08:57,320 --> 00:09:00,160
Speaker 1: house when we retire. So at the moment, I'm just

181
00:09:00,160 --> 00:09:02,040
Speaker 1: focusing on investing as much as I can.

182
00:09:02,320 --> 00:09:06,200
Speaker 2: Wow, I've got so many questions, because that's the next question.

183
00:09:06,840 --> 00:09:09,920
Speaker 2: Do you currently have investments? If so, what are they?

184
00:09:10,720 --> 00:09:14,280
Speaker 1: I have some I opened an investment account with nab

185
00:09:14,360 --> 00:09:17,680
Speaker 1: Trade in the height of COVID so March twenty twenty,

186
00:09:17,720 --> 00:09:19,440
Speaker 1: which was a really good idea.

187
00:09:19,720 --> 00:09:22,360
Speaker 2: I was about to say, oh, good idea.

188
00:09:22,480 --> 00:09:26,600
Speaker 1: I only managed to buy two stocks, one actual stock

189
00:09:26,640 --> 00:09:29,400
Speaker 1: and one ETF and then I didn't have a lot

190
00:09:29,440 --> 00:09:32,720
Speaker 1: of money because we were changing jobs and moving, so

191
00:09:32,760 --> 00:09:36,000
Speaker 1: we needed all the money for the moving. But since

192
00:09:37,040 --> 00:09:41,600
Speaker 1: settling in here and starting to have a proper income

193
00:09:41,760 --> 00:09:44,520
Speaker 1: coming in again, I decided I wanted to get into

194
00:09:44,559 --> 00:09:48,000
Speaker 1: investing more seriously. So I looked up investing podcasts, and

195
00:09:48,080 --> 00:09:49,839
Speaker 1: She's on the Money came up, and that is how

196
00:09:49,840 --> 00:09:54,079
Speaker 1: I found you guys. So I've been binge listening to

197
00:09:54,200 --> 00:09:57,240
Speaker 1: She's on the Money since probably November last year. Just

198
00:09:57,720 --> 00:10:00,280
Speaker 1: it's been driving my husband crazy because you're just playing

199
00:10:00,320 --> 00:10:04,080
Speaker 1: in our house all the time. I have I have

200
00:10:04,240 --> 00:10:08,439
Speaker 1: caught up, and so thanks to all the education I've

201
00:10:08,440 --> 00:10:10,400
Speaker 1: been getting from Shoes on the Money, I have really

202
00:10:11,080 --> 00:10:14,320
Speaker 1: resorted out my budget and prioritized and we are now

203
00:10:14,360 --> 00:10:17,559
Speaker 1: investing six hundred dollars a fortnite, which is thirty percent.

204
00:10:19,080 --> 00:10:22,840
Speaker 2: Yesh, that is epic, especially you said fifty six thousand

205
00:10:22,920 --> 00:10:26,640
Speaker 2: dollars a year combined income and you're investing twelve hundred

206
00:10:26,679 --> 00:10:29,520
Speaker 2: dollars a month. Who are you? This is epic.

207
00:10:30,080 --> 00:10:30,959
Speaker 1: We are motivated.

208
00:10:31,960 --> 00:10:34,720
Speaker 2: Oh, I love it. That is so special and actually

209
00:10:35,280 --> 00:10:38,440
Speaker 2: takes a lot of motivation and you know, self restriction

210
00:10:38,640 --> 00:10:41,839
Speaker 2: and you know that's actually really really impressive. I love that.

211
00:10:41,960 --> 00:10:44,800
Speaker 2: Let's talk about this in more depth in a moment.

212
00:10:45,360 --> 00:10:48,640
Speaker 2: Next question, do you currently have any debts?

213
00:10:48,920 --> 00:10:51,720
Speaker 1: I have good debt and I have bad debt. I

214
00:10:51,760 --> 00:10:55,360
Speaker 1: have fifty thousand dollars of hex debt and I have

215
00:10:55,400 --> 00:10:57,840
Speaker 1: one more subject at union. Then I won't be making

216
00:10:57,840 --> 00:11:00,640
Speaker 1: any more hex debt. I actually almost had to pay

217
00:11:00,640 --> 00:11:02,840
Speaker 1: off the hex stet because until the end of last

218
00:11:02,920 --> 00:11:06,160
Speaker 1: year I was working full time similar income, but with

219
00:11:06,280 --> 00:11:08,360
Speaker 1: them just lowering the threshold, I would have had to

220
00:11:08,360 --> 00:11:10,760
Speaker 1: start paying it back. But I have also just moved

221
00:11:10,760 --> 00:11:14,000
Speaker 1: a part time, so our financial situation hasn't really changed

222
00:11:14,040 --> 00:11:16,000
Speaker 1: between us. But now I no longer have to pay

223
00:11:16,360 --> 00:11:20,000
Speaker 1: that back at this time, so that's just going to

224
00:11:20,040 --> 00:11:23,600
Speaker 1: sit there for now, and I have a little bit

225
00:11:23,640 --> 00:11:27,040
Speaker 1: of bad debt. About three years ago, we took out

226
00:11:27,080 --> 00:11:31,000
Speaker 1: a twelve thousand dollars unsecured personal loan to buy a car.

227
00:11:31,840 --> 00:11:34,240
Speaker 1: Because our car was really letting us down far too often.

228
00:11:35,679 --> 00:11:40,840
Speaker 1: I didn't understand much about percentage, interest rates and things,

229
00:11:41,160 --> 00:11:44,480
Speaker 1: so I think it is about fifteen point sixty nine

230
00:11:44,520 --> 00:11:49,560
Speaker 1: percent interest, and I have been paying off twice as

231
00:11:49,600 --> 00:11:51,960
Speaker 1: much as I have to, So at the moment, I

232
00:11:52,000 --> 00:11:57,520
Speaker 1: have three hundred and forty five dollars left. Whoa, and

233
00:11:57,679 --> 00:11:59,760
Speaker 1: I've been paying two hundred dollars off a fortnight. So

234
00:11:59,800 --> 00:12:03,200
Speaker 1: with the this month it'll be gone. I'm so happy.

235
00:12:03,240 --> 00:12:05,319
Speaker 2: Oh my gosh, that is so exciting.

236
00:12:05,720 --> 00:12:08,120
Speaker 1: So I think I've paid about ten thousand dollars in interest.

237
00:12:08,400 --> 00:12:11,040
Speaker 1: My twelve thousand dollars car has cost me twenty two

238
00:12:11,080 --> 00:12:12,240
Speaker 1: thousand dollars.

239
00:12:12,800 --> 00:12:15,000
Speaker 2: Yeah, And that's actually really important to point out because

240
00:12:15,040 --> 00:12:17,440
Speaker 2: sometimes when we feel desperate, we're like, oh my gosh,

241
00:12:17,520 --> 00:12:19,240
Speaker 2: the car isn't working. We really need to just go

242
00:12:19,320 --> 00:12:21,920
Speaker 2: get some finance and get it sorted. We're really not

243
00:12:22,120 --> 00:12:24,439
Speaker 2: thinking about the interest rate in the back of our

244
00:12:24,520 --> 00:12:26,640
Speaker 2: heads in the way that we should be. We're just

245
00:12:26,920 --> 00:12:28,640
Speaker 2: trying to get the car so we can keep on

246
00:12:28,800 --> 00:12:31,800
Speaker 2: keeping on with life. And then we realize that fifteen

247
00:12:31,840 --> 00:12:35,040
Speaker 2: percent is actually ridiculous and quite crippling when it comes

248
00:12:35,080 --> 00:12:39,560
Speaker 2: to creating financial freedom, and nowadays fifteen percent is just

249
00:12:39,600 --> 00:12:42,760
Speaker 2: completely unreasonable. For a car loan like you probably could

250
00:12:42,800 --> 00:12:44,920
Speaker 2: have saved up for it, and I know that you

251
00:12:45,000 --> 00:12:46,840
Speaker 2: have a low income it it probably would have been

252
00:12:46,840 --> 00:12:50,840
Speaker 2: a better outcome financially to get ubers everywhere and save

253
00:12:50,960 --> 00:12:53,840
Speaker 2: up for it and then pay for it, which sounds wild,

254
00:12:54,320 --> 00:12:56,400
Speaker 2: but when it comes down to doing the maths on it,

255
00:12:56,920 --> 00:12:58,559
Speaker 2: you wouldn't have thought that that would be a good

256
00:12:58,600 --> 00:13:00,480
Speaker 2: option because you'd be like, oh, yeah, but can be

257
00:13:00,520 --> 00:13:03,920
Speaker 2: really expensive. It's like, yeah, but you paid ten thousand

258
00:13:04,000 --> 00:13:08,080
Speaker 2: dollars in additional interest, which didn't just impact you financially.

259
00:13:08,120 --> 00:13:11,120
Speaker 2: I'm assuming that would have weighed on you mentally and

260
00:13:11,240 --> 00:13:14,480
Speaker 2: spiritually and physically and just made you feel not great.

261
00:13:15,000 --> 00:13:18,000
Speaker 2: So for me, it's about what is actually the best

262
00:13:18,000 --> 00:13:20,199
Speaker 2: option here in how do we get to the desired

263
00:13:20,280 --> 00:13:24,080
Speaker 2: outcome without putting future us in the worst position.

264
00:13:24,400 --> 00:13:27,000
Speaker 1: Yeah, it wasn't even I didn't even understand it enough

265
00:13:27,040 --> 00:13:28,600
Speaker 1: for it to weigh on me to begin with. It

266
00:13:28,640 --> 00:13:31,199
Speaker 1: was only when I started working out when it should

267
00:13:31,240 --> 00:13:33,880
Speaker 1: be paid off by and getting excited about that, and

268
00:13:33,920 --> 00:13:36,120
Speaker 1: then the time coming closer and closer, and I was

269
00:13:36,160 --> 00:13:38,760
Speaker 1: nowhere near it being paid off, and I was thinking

270
00:13:38,800 --> 00:13:41,920
Speaker 1: what's happening here that I started to get really frustrated

271
00:13:41,960 --> 00:13:42,240
Speaker 1: with it.

272
00:13:42,400 --> 00:13:43,679
Speaker 2: Yeah, and that's not fair.

273
00:13:44,480 --> 00:13:46,760
Speaker 3: And you get caught up in the excitement of buying

274
00:13:46,760 --> 00:13:49,600
Speaker 3: a new car as well, so you think, oh, we're

275
00:13:49,600 --> 00:13:51,800
Speaker 3: going to buy this new car or secondhand car, but

276
00:13:51,800 --> 00:13:54,280
Speaker 3: it's new to you, so it's really exciting. So you're

277
00:13:54,280 --> 00:13:56,280
Speaker 3: willing to be like, Oh, I don't care how much

278
00:13:56,280 --> 00:13:57,840
Speaker 3: exture it's going to cost. It's not going to end

279
00:13:57,920 --> 00:13:59,959
Speaker 3: up being that much more, but I really want this car.

280
00:14:00,440 --> 00:14:02,600
Speaker 3: And then all of a sudden, yeah, five years down

281
00:14:02,640 --> 00:14:04,680
Speaker 3: the line, when your loan should be paid off, you're like,

282
00:14:04,920 --> 00:14:07,080
Speaker 3: hang on, why did that cost me so much more

283
00:14:07,080 --> 00:14:08,080
Speaker 3: money than it should have.

284
00:14:09,320 --> 00:14:13,720
Speaker 2: Yeah, it's frustrating al right. Diving straight into the next question,

285
00:14:14,240 --> 00:14:16,160
Speaker 2: what is your best money habit?

286
00:14:16,840 --> 00:14:18,880
Speaker 1: My best money habit at the moment, I would say

287
00:14:19,000 --> 00:14:23,960
Speaker 1: is the investing every fortnight, which definitely I think is

288
00:14:24,000 --> 00:14:28,520
Speaker 1: an on flow kind of effect from budgeting, which I

289
00:14:28,520 --> 00:14:29,720
Speaker 1: think I'm pretty good at.

290
00:14:30,080 --> 00:14:33,440
Speaker 2: I would assume so, given you have mastered paying down

291
00:14:33,560 --> 00:14:36,600
Speaker 2: this bad debt that you had, as well as investing

292
00:14:36,840 --> 00:14:40,160
Speaker 2: six hundred dollars a fortnite like that is wild, and

293
00:14:40,240 --> 00:14:43,400
Speaker 2: I think that that is so cool. In contrast, what

294
00:14:43,560 --> 00:14:45,000
Speaker 2: is your worst money? Have it?

295
00:14:45,520 --> 00:14:50,440
Speaker 1: My worst money haveit? I think probably buying gifts for

296
00:14:50,560 --> 00:14:53,120
Speaker 1: other people. I don't bother to budget for that. I

297
00:14:53,160 --> 00:14:56,560
Speaker 1: don't bother to say I only think I should spend

298
00:14:56,600 --> 00:14:58,320
Speaker 1: this much on that person. I just if I see

299
00:14:58,360 --> 00:15:00,680
Speaker 1: something I want to get for them, just want to

300
00:15:00,720 --> 00:15:04,640
Speaker 1: get it. And it drives my husband a little bit crazy.

301
00:15:05,160 --> 00:15:08,360
Speaker 1: It's probably the thing about our bank account and me

302
00:15:08,560 --> 00:15:12,480
Speaker 1: that annoys him most. So I've been trying really to

303
00:15:12,600 --> 00:15:15,360
Speaker 1: pull my head in a little bit, but it is challenging.

304
00:15:15,760 --> 00:15:17,120
Speaker 2: It's so nice to give, though.

305
00:15:17,400 --> 00:15:20,120
Speaker 1: I'm just so exciting to feel that you can make

306
00:15:20,160 --> 00:15:20,960
Speaker 1: someone else smile.

307
00:15:22,000 --> 00:15:24,560
Speaker 2: Yeah, especially if you are in a position where you

308
00:15:24,600 --> 00:15:26,600
Speaker 2: see something and you're like, that is so perfect, that

309
00:15:26,640 --> 00:15:29,440
Speaker 2: would make their day or they would absolutely adore this.

310
00:15:30,240 --> 00:15:33,000
Speaker 2: I'm a bit the same, but I have learned to

311
00:15:33,040 --> 00:15:34,840
Speaker 2: put it in my budget. So maybe you need to

312
00:15:34,840 --> 00:15:36,880
Speaker 2: do a little bit of shuffling. Yeah.

313
00:15:36,920 --> 00:15:38,640
Speaker 1: Well, I'm hoping that when I finished paying off this

314
00:15:38,720 --> 00:15:41,440
Speaker 1: car loan, that money that has been paying off the

315
00:15:41,480 --> 00:15:43,920
Speaker 1: car can be a wiggle room where I can use

316
00:15:43,920 --> 00:15:46,480
Speaker 1: it for that. If I don't, then maybe I can

317
00:15:46,560 --> 00:15:50,000
Speaker 1: just tuck it into investing at the last time. Yeah.

318
00:15:50,000 --> 00:15:54,280
Speaker 2: Absolutely, a little bit more flexibility never goes astray. And

319
00:15:54,720 --> 00:15:57,120
Speaker 2: last thing before we go to a little break is

320
00:15:57,480 --> 00:15:59,600
Speaker 2: what grade would you give yourself if I forced you

321
00:15:59,640 --> 00:16:01,200
Speaker 2: to give your self a grade?

322
00:16:01,960 --> 00:16:04,280
Speaker 1: As of right now, I actually think I would dare

323
00:16:04,320 --> 00:16:09,360
Speaker 1: to give myself an A. I wouldn't queen, I wouldn't have.

324
00:16:09,520 --> 00:16:12,200
Speaker 1: Before I started the investing, though, I still felt like

325
00:16:12,320 --> 00:16:15,080
Speaker 1: I didn't know how to make sure I didn't get

326
00:16:15,120 --> 00:16:18,880
Speaker 1: myself in the same position that my mum has been in,

327
00:16:19,440 --> 00:16:22,240
Speaker 1: where you have to depend on central link payments to

328
00:16:22,280 --> 00:16:24,560
Speaker 1: get by if you can't find work. But now that

329
00:16:24,600 --> 00:16:27,040
Speaker 1: I'm investing every fortnight, I feel a lot more secure

330
00:16:27,120 --> 00:16:29,440
Speaker 1: and a lot more like I've got everything in hand

331
00:16:29,480 --> 00:16:32,960
Speaker 1: for the future. So now I'm very happy to say, yeah,

332
00:16:33,040 --> 00:16:33,920
Speaker 1: I feel like it's an A.

333
00:16:34,280 --> 00:16:36,800
Speaker 2: Oh my gosh, that is so cool. It is not

334
00:16:37,000 --> 00:16:39,400
Speaker 2: very common for people on our money diaries to feel

335
00:16:39,440 --> 00:16:42,200
Speaker 2: confident enough to give themselves an A. And I want

336
00:16:42,240 --> 00:16:44,360
Speaker 2: to ask you so many questions about this right after

337
00:16:44,400 --> 00:16:55,320
Speaker 2: this quick break, all right, I want to dive straight in.

338
00:16:55,640 --> 00:16:58,720
Speaker 2: This is obviously an area that I don't know nearly

339
00:16:58,800 --> 00:17:01,200
Speaker 2: enough about in all on it. I don't know what

340
00:17:01,240 --> 00:17:03,200
Speaker 2: it means to start becoming a priest. You said you

341
00:17:03,240 --> 00:17:06,480
Speaker 2: were still studying. What are you studying? How does that work?

342
00:17:06,720 --> 00:17:10,160
Speaker 2: How does one fall into wanting to chase a monastery

343
00:17:10,359 --> 00:17:13,320
Speaker 2: and become a priest? And like, how did you get there?

344
00:17:13,359 --> 00:17:14,159
Speaker 2: What's your journey?

345
00:17:15,119 --> 00:17:18,840
Speaker 1: Okay, my journey? After I studied a Bachelor of Arts

346
00:17:18,880 --> 00:17:22,280
Speaker 1: in French and English at UNI, I got a job

347
00:17:22,359 --> 00:17:26,680
Speaker 1: full time as a crossword compiler, which was an amazing job.

348
00:17:26,720 --> 00:17:29,320
Speaker 1: I loved it. But after six.

349
00:17:29,200 --> 00:17:33,920
Speaker 2: Months on a crossword compiler, like you make the crosswords, yes,

350
00:17:34,720 --> 00:17:38,440
Speaker 2: like for the paper and stuff. That's a job that

351
00:17:38,680 --> 00:17:44,520
Speaker 2: is not cool. What I know? Which how much does

352
00:17:44,520 --> 00:17:46,040
Speaker 2: a crossword compiler make?

353
00:17:46,240 --> 00:17:48,840
Speaker 1: Well, it's you kind of You go in and it's

354
00:17:48,840 --> 00:17:51,280
Speaker 1: that typical situation where you negotiate what you want to

355
00:17:51,320 --> 00:17:52,840
Speaker 1: be paid. And I was fresh out of UNI, so

356
00:17:52,880 --> 00:17:56,520
Speaker 1: I wasn't particularly good at it. But I got thirty

357
00:17:56,520 --> 00:18:00,439
Speaker 1: eight thousand for a starting level newbie and I know

358
00:18:00,560 --> 00:18:04,040
Speaker 1: that that would have gone up, but that seemed like

359
00:18:04,119 --> 00:18:05,560
Speaker 1: loaths to me. I was happy with that.

360
00:18:06,359 --> 00:18:09,440
Speaker 2: Yeah that's a lot when you're year Yeah, that's great.

361
00:18:09,480 --> 00:18:11,400
Speaker 1: A lot better than six thousand a year, which as

362
00:18:11,440 --> 00:18:15,520
Speaker 1: a student i'd been living on. So that job was great,

363
00:18:15,520 --> 00:18:17,400
Speaker 1: and I'm really grateful that it was such a good

364
00:18:17,520 --> 00:18:19,760
Speaker 1: job because it meant that after six months, when I

365
00:18:19,880 --> 00:18:22,520
Speaker 1: was really hating it, that I knew that it wasn't

366
00:18:22,840 --> 00:18:26,159
Speaker 1: just the wrong job, it was the whole office situation

367
00:18:26,440 --> 00:18:29,879
Speaker 1: was not the job for me. So that's why I

368
00:18:29,960 --> 00:18:33,399
Speaker 1: saved up money. So after six months, I knew that

369
00:18:33,440 --> 00:18:34,840
Speaker 1: I didn't want to stay in the job, and I

370
00:18:34,840 --> 00:18:38,160
Speaker 1: spent the following two years still working there and saving

371
00:18:38,240 --> 00:18:40,720
Speaker 1: all the money I could so that then I could

372
00:18:41,280 --> 00:18:44,000
Speaker 1: quit and run off to this monastery where I knew

373
00:18:44,040 --> 00:18:45,560
Speaker 1: there would be people and it would not be an

374
00:18:45,600 --> 00:18:47,520
Speaker 1: office job. It would be a very different place. So

375
00:18:47,560 --> 00:18:50,480
Speaker 1: I was there as a volunteer. So this monastery has

376
00:18:50,640 --> 00:18:52,959
Speaker 1: a lot of people come for retreats, and so I

377
00:18:53,040 --> 00:18:55,760
Speaker 1: was helping with the cooking and cleaning the rooms and

378
00:18:55,840 --> 00:19:00,040
Speaker 1: all those sorts of things. Yes, so that's how I

379
00:19:00,080 --> 00:19:01,159
Speaker 1: ended up at the monastery.

380
00:19:01,640 --> 00:19:03,800
Speaker 2: Did you grow up in quite a religious family.

381
00:19:03,920 --> 00:19:06,919
Speaker 3: Is that kind of what led you to going to

382
00:19:07,000 --> 00:19:08,919
Speaker 3: a monastery or was it just the first thing that

383
00:19:08,960 --> 00:19:10,040
Speaker 3: came up online?

384
00:19:10,160 --> 00:19:13,399
Speaker 1: Like, well, okay, there's a lot of elements to this.

385
00:19:14,000 --> 00:19:18,200
Speaker 1: My dad is a priest, so yes, but I.

386
00:19:18,200 --> 00:19:19,480
Speaker 2: Don't runs in the family.

387
00:19:19,680 --> 00:19:21,560
Speaker 1: It does, but I don't really feel like that's why

388
00:19:21,560 --> 00:19:25,040
Speaker 1: I went to the monastery. So I did go to church,

389
00:19:25,280 --> 00:19:28,720
Speaker 1: and I had the priest who was working at the church.

390
00:19:28,760 --> 00:19:31,760
Speaker 1: When he found out I was actually going during UNI

391
00:19:31,840 --> 00:19:34,119
Speaker 1: on a six months exchange to France. He said, you

392
00:19:34,160 --> 00:19:36,720
Speaker 1: need to go to this monastery on a retreat. It's amazing,

393
00:19:36,760 --> 00:19:39,000
Speaker 1: And so I said, why not? So I'd been there

394
00:19:39,040 --> 00:19:42,760
Speaker 1: already once during UNI and it had been an amazing experience.

395
00:19:42,760 --> 00:19:45,280
Speaker 1: So when I was working at this office job, feeling like,

396
00:19:45,359 --> 00:19:47,920
Speaker 1: what's the meaning of life? Why am I bothering to

397
00:19:47,920 --> 00:19:49,480
Speaker 1: get out of bed in the morning. It's so much

398
00:19:49,520 --> 00:19:52,160
Speaker 1: effort that I thought I'll go back to the last

399
00:19:52,160 --> 00:19:54,840
Speaker 1: place where I found meaning. So I decided to go

400
00:19:54,880 --> 00:19:56,480
Speaker 1: back and spend a long time there.

401
00:19:57,720 --> 00:20:00,480
Speaker 2: It's interesting knowing I guess where it comes from, and

402
00:20:00,520 --> 00:20:03,520
Speaker 2: you're right, it probably isn't because your dad did it.

403
00:20:03,520 --> 00:20:06,320
Speaker 2: It's just more how do you get exposure to things

404
00:20:06,320 --> 00:20:09,680
Speaker 2: that allow you to experiment there? Right? Like, I wouldn't

405
00:20:09,680 --> 00:20:12,639
Speaker 2: have even considered that as an option for me, not

406
00:20:12,760 --> 00:20:15,760
Speaker 2: because of religion. Or you know, the opportunities, But I

407
00:20:15,800 --> 00:20:18,320
Speaker 2: don't know any priests. I've never grown up in that

408
00:20:18,440 --> 00:20:22,360
Speaker 2: situation where I even knew that monasteries existed to go

409
00:20:22,520 --> 00:20:24,920
Speaker 2: and have a retreat, right, So it's like, well, where

410
00:20:24,920 --> 00:20:27,119
Speaker 2: did that pop up for you? How did that happen?

411
00:20:27,480 --> 00:20:29,680
Speaker 2: And it's you know, there's always a way in life, right,

412
00:20:29,720 --> 00:20:32,080
Speaker 2: we always end up where we need to be. And

413
00:20:32,160 --> 00:20:35,720
Speaker 2: for me, it's just so interesting understanding other people's journeys,

414
00:20:35,720 --> 00:20:38,800
Speaker 2: not just financially, but what is your story? How did

415
00:20:38,840 --> 00:20:41,359
Speaker 2: that happen? So in the monastery you realize that you

416
00:20:41,400 --> 00:20:44,120
Speaker 2: wanted to go ahead and you know follow that as

417
00:20:44,160 --> 00:20:47,440
Speaker 2: your actual career path. What were the next steps involved

418
00:20:47,480 --> 00:20:50,760
Speaker 2: in that? Like how do you financially support yourself through

419
00:20:50,800 --> 00:20:55,200
Speaker 2: a role that really relies on volunteer work and living

420
00:20:55,200 --> 00:20:58,160
Speaker 2: on low incomes and maybe not being able to support

421
00:20:58,200 --> 00:21:00,960
Speaker 2: yourself financially in the way that many of us who

422
00:21:00,960 --> 00:21:02,920
Speaker 2: do work nine to five Monday to Friday can.

423
00:21:03,119 --> 00:21:05,720
Speaker 1: Well, when I got back to Australia, I lived with

424
00:21:05,760 --> 00:21:08,800
Speaker 1: my mom for three months and planned what I would

425
00:21:08,840 --> 00:21:11,080
Speaker 1: do next. So I actually ended up moving down to

426
00:21:11,160 --> 00:21:14,720
Speaker 1: Tasmania to Hobart to move in with my dad, he

427
00:21:14,720 --> 00:21:17,120
Speaker 1: had a granny flat and I got a job working

428
00:21:17,240 --> 00:21:21,119
Speaker 1: as a youth minister for a church and ad me

429
00:21:21,160 --> 00:21:24,080
Speaker 1: in as well, so I was full time, which was excellent.

430
00:21:24,119 --> 00:21:26,159
Speaker 1: It meant that we could work towards paying off some

431
00:21:26,280 --> 00:21:28,159
Speaker 1: of that loan that my mum had got for me.

432
00:21:28,480 --> 00:21:33,440
Speaker 1: And my husband started coming as well and volunteering because

433
00:21:33,440 --> 00:21:35,080
Speaker 1: he had nothing else to do, and it was also

434
00:21:35,119 --> 00:21:37,480
Speaker 1: a world that he was interested in, So we both

435
00:21:37,520 --> 00:21:41,840
Speaker 1: were working full time hours, but he was volunteering, and

436
00:21:42,240 --> 00:21:44,800
Speaker 1: so to thank him for that, the church paid for

437
00:21:44,840 --> 00:21:49,120
Speaker 1: his studies at the time, which was helpful. I had

438
00:21:49,160 --> 00:21:51,159
Speaker 1: to study as part of my work in order to

439
00:21:51,359 --> 00:21:54,879
Speaker 1: be trained for that, so I did a diploma in theology,

440
00:21:55,320 --> 00:21:59,000
Speaker 1: actually a graduate diploma in theology, and then when we

441
00:21:59,040 --> 00:22:01,720
Speaker 1: finished those, we both wanted to keep studying, so he

442
00:22:02,080 --> 00:22:05,560
Speaker 1: articulated into a Bachelor of Theology and I articulated into

443
00:22:05,680 --> 00:22:09,000
Speaker 1: our Masters of Divinity. The only difference between theology and

444
00:22:09,040 --> 00:22:12,200
Speaker 1: divinity really is that I'm doing Biblical languages and he isn't.

445
00:22:12,560 --> 00:22:14,040
Speaker 2: A Masters of Divinity.

446
00:22:14,240 --> 00:22:17,959
Speaker 1: Sounds so fancy, I know, and I'm actually low key

447
00:22:18,040 --> 00:22:22,000
Speaker 1: excited that my hood is going to be pink. Oh yes,

448
00:22:22,560 --> 00:22:26,159
Speaker 1: oh my gosh.

449
00:22:24,640 --> 00:22:27,639
Speaker 2: That is really cool. And I guess what are the

450
00:22:27,680 --> 00:22:30,439
Speaker 2: next steps, Like, once you become a priest, what are

451
00:22:30,440 --> 00:22:33,920
Speaker 2: you going to earn? How does that work? And yeah,

452
00:22:34,000 --> 00:22:36,639
Speaker 2: I think it's I think it's interesting because the she's

453
00:22:36,640 --> 00:22:39,800
Speaker 2: on the money family, Like, we're not aligned to any religion.

454
00:22:39,840 --> 00:22:42,280
Speaker 2: We except absolutely everybody heat the way that they come.

455
00:22:42,720 --> 00:22:44,720
Speaker 2: But I don't know enough about this and to know

456
00:22:44,800 --> 00:22:48,920
Speaker 2: a female priest like that's bad us, that's cool.

457
00:22:50,320 --> 00:22:52,239
Speaker 1: I do find a lot of people like smile at

458
00:22:52,240 --> 00:22:54,840
Speaker 1: me on the street, and that's normal, Like it's nice

459
00:22:54,840 --> 00:22:56,199
Speaker 1: for people to smile at you on the street, but

460
00:22:56,200 --> 00:22:58,239
Speaker 1: then they don't look away. Again, I'm like, what is it?

461
00:22:58,280 --> 00:22:59,720
Speaker 1: And then I realize I'm wearing my collar.

462
00:23:02,240 --> 00:23:04,320
Speaker 3: Yeah, well, I guess people look at you and they're like,

463
00:23:04,560 --> 00:23:06,000
Speaker 3: she's a really good person.

464
00:23:07,960 --> 00:23:09,280
Speaker 2: I must be angry.

465
00:23:10,200 --> 00:23:11,880
Speaker 1: I think they're just thinking she's female.

466
00:23:12,320 --> 00:23:16,800
Speaker 2: Is she playing dress ups? No? Yeah? Wow?

467
00:23:16,960 --> 00:23:17,960
Speaker 1: But yeah, what does it?

468
00:23:18,280 --> 00:23:20,160
Speaker 2: What can it lead to you? How much canuine?

469
00:23:20,840 --> 00:23:23,440
Speaker 1: Well, I don't think looads. It does depend on where

470
00:23:23,440 --> 00:23:25,840
Speaker 1: in Australia or the world you are. But I am

471
00:23:25,840 --> 00:23:29,040
Speaker 1: out in the country, so it's not big money out here.

472
00:23:30,760 --> 00:23:33,520
Speaker 1: So at the moment, I'm a deacon. I'm in training

473
00:23:33,640 --> 00:23:37,800
Speaker 1: really so that I'm on the lowest rung. When I

474
00:23:37,960 --> 00:23:41,639
Speaker 1: get ordained a priest, I'll still be an assistant priest

475
00:23:41,760 --> 00:23:44,199
Speaker 1: in another church. I won't be in charge, so that

476
00:23:44,640 --> 00:23:47,679
Speaker 1: income will go up a bit. I don't know exactly

477
00:23:47,760 --> 00:23:49,679
Speaker 1: how much. And then once we get sent off and

478
00:23:49,720 --> 00:23:52,359
Speaker 1: given our own parishes to be in charge of, income

479
00:23:52,560 --> 00:23:57,240
Speaker 1: will increase again. But I don't know that a full

480
00:23:57,280 --> 00:24:01,080
Speaker 1: time income would be too much more than sixty might

481
00:24:01,119 --> 00:24:04,600
Speaker 1: be a bit. But also it's likely that my husband

482
00:24:04,640 --> 00:24:07,119
Speaker 1: and I will just keep working part time because a

483
00:24:07,119 --> 00:24:10,520
Speaker 1: lot of the parishes like rely on the money that

484
00:24:10,840 --> 00:24:14,320
Speaker 1: the prishioners put in the plate, and obviously religion and

485
00:24:15,000 --> 00:24:18,600
Speaker 1: parishes are shrinking and the congregations getting older, so they

486
00:24:19,000 --> 00:24:21,080
Speaker 1: a lot of parishes don't have the money to support

487
00:24:21,160 --> 00:24:24,920
Speaker 1: a priest full time, but very very happy working part time.

488
00:24:25,000 --> 00:24:28,760
Speaker 1: Each We're obviously managing on the income at the moment,

489
00:24:28,800 --> 00:24:32,760
Speaker 1: and it'll only go up a bit. And to be honest,

490
00:24:32,840 --> 00:24:35,159
Speaker 1: what do I want money for. I'd love tons of

491
00:24:35,200 --> 00:24:37,600
Speaker 1: money in my investment account so that i could retire,

492
00:24:37,640 --> 00:24:40,160
Speaker 1: but I'm already working part time. That's like four days

493
00:24:40,160 --> 00:24:43,359
Speaker 1: off a week, I feel semi retired already. It's great. Yeah,

494
00:24:43,400 --> 00:24:44,280
Speaker 1: that's so special.

495
00:24:44,359 --> 00:24:46,119
Speaker 2: And something that's, you know, sitting in the back of

496
00:24:46,119 --> 00:24:48,919
Speaker 2: my mind at the moment, is that so many times

497
00:24:49,000 --> 00:24:52,160
Speaker 2: people think that to be happy, they need to chase

498
00:24:52,160 --> 00:24:54,840
Speaker 2: a higher income because that's going to award them with

499
00:24:54,920 --> 00:24:58,359
Speaker 2: a better lifestyle. And you're here saying, hey, my combined

500
00:24:58,600 --> 00:25:01,800
Speaker 2: household income is fifty six thousand dollars and we are

501
00:25:01,880 --> 00:25:05,120
Speaker 2: so happy and so fulfilled and doing things that we love.

502
00:25:05,480 --> 00:25:08,560
Speaker 2: And it's not actually money that awards us these luxuries.

503
00:25:08,800 --> 00:25:11,200
Speaker 2: It's knowing who you are and what you want to

504
00:25:11,240 --> 00:25:13,800
Speaker 2: do with your life and feeling like you've had an impact.

505
00:25:13,800 --> 00:25:16,160
Speaker 2: And I think that that's, you know, such a special

506
00:25:16,240 --> 00:25:19,280
Speaker 2: narrative to come out of this money diary. And yeah,

507
00:25:19,480 --> 00:25:21,679
Speaker 2: I'm really grateful that you wanted to share that story

508
00:25:21,720 --> 00:25:23,280
Speaker 2: with us and that we got to have a chat

509
00:25:23,320 --> 00:25:27,080
Speaker 2: with you. Thank you, Thank you. So what happens when

510
00:25:27,240 --> 00:25:30,080
Speaker 2: you and your partner both become priests and you know,

511
00:25:30,119 --> 00:25:32,320
Speaker 2: you have your own parishes? Will that mean that you

512
00:25:32,359 --> 00:25:35,640
Speaker 2: are separated or like will you get parishes close by?

513
00:25:35,720 --> 00:25:38,120
Speaker 2: Like how does all of that get worked and allocated?

514
00:25:38,520 --> 00:25:41,119
Speaker 1: That is the hope that we will get parishes close

515
00:25:41,160 --> 00:25:43,320
Speaker 1: to each other, close enough that we will at least

516
00:25:43,359 --> 00:25:45,280
Speaker 1: be able to live together. But we have a very

517
00:25:45,280 --> 00:25:47,720
Speaker 1: good bishop out here and he is going to make

518
00:25:47,760 --> 00:25:53,320
Speaker 1: sure that we don't get separated. So we feel pretty confident.

519
00:25:53,359 --> 00:25:56,760
Speaker 1: It's just a matter of waiting until parishes are available.

520
00:25:56,880 --> 00:26:00,399
Speaker 1: But lots of priests are retiring right now, so chances

521
00:26:00,480 --> 00:26:03,240
Speaker 1: that's a week an opportunity.

522
00:26:03,480 --> 00:26:05,879
Speaker 2: And how does that work? So you're a priest, but

523
00:26:06,040 --> 00:26:08,600
Speaker 2: you're allowed to be married, which I grew up and

524
00:26:08,680 --> 00:26:10,960
Speaker 2: I had a Catholic education, and that was absolutely not

525
00:26:11,000 --> 00:26:14,119
Speaker 2: the case for the priests. So can you give us

526
00:26:14,119 --> 00:26:16,560
Speaker 2: a little bit of an insight about how that works

527
00:26:16,640 --> 00:26:17,439
Speaker 2: for your space.

528
00:26:18,000 --> 00:26:20,720
Speaker 1: So in the Anglican Church, it's a bit different from

529
00:26:20,720 --> 00:26:24,280
Speaker 1: the Catholic Church. The Anglican Church has it's kind of

530
00:26:24,320 --> 00:26:28,000
Speaker 1: walks down the middle as much as it can. So

531
00:26:28,480 --> 00:26:32,760
Speaker 1: there is parts of the Anglican Church that are more

532
00:26:33,040 --> 00:26:36,000
Speaker 1: Catholic in style and parts that are more Protestant in style.

533
00:26:36,040 --> 00:26:41,080
Speaker 1: So you get quite a diverse range. And some people

534
00:26:41,119 --> 00:26:43,919
Speaker 1: who are ordained or call themselves ministers or pastors, and

535
00:26:43,960 --> 00:26:46,480
Speaker 1: other people call themselves priests. It kind of just depends

536
00:26:46,480 --> 00:26:49,040
Speaker 1: on where you sit on the spectrum between Protestant and

537
00:26:49,119 --> 00:26:54,840
Speaker 1: all Catholic, and they are allowed to have married priests.

538
00:26:54,880 --> 00:26:59,240
Speaker 1: That's quite acceptable, and a lot of Australia is allowed

539
00:26:59,240 --> 00:27:02,480
Speaker 1: to have female priests, although there are certain places where

540
00:27:02,520 --> 00:27:06,040
Speaker 1: I would not be allowed to work, like Sydney. Oh wow,

541
00:27:06,359 --> 00:27:11,480
Speaker 1: really hmm, why is that they're just a bit more conservative.

542
00:27:12,240 --> 00:27:14,960
Speaker 1: There are different ways of interpreting parts of the Bible,

543
00:27:15,200 --> 00:27:17,760
Speaker 1: and they interpret them one way and other parts interpret

544
00:27:17,760 --> 00:27:21,720
Speaker 1: them differently. So yeah, good thing. I don't want to

545
00:27:21,720 --> 00:27:22,240
Speaker 1: work in sp.

546
00:27:22,320 --> 00:27:24,840
Speaker 2: It's so interesting. And to be honest, I'm just not

547
00:27:25,320 --> 00:27:28,320
Speaker 2: educated enough in this space to have any level of opinion,

548
00:27:28,400 --> 00:27:31,160
Speaker 2: but I love learning about it and I'm just really

549
00:27:31,160 --> 00:27:33,680
Speaker 2: grateful that you wanted to share that story with us

550
00:27:33,720 --> 00:27:36,360
Speaker 2: and what goes on, and I think it's really special.

551
00:27:36,440 --> 00:27:38,800
Speaker 2: And to be honest, I love that we've been able

552
00:27:38,840 --> 00:27:41,920
Speaker 2: to share a story that is, you know, not the norm, right,

553
00:27:42,080 --> 00:27:45,399
Speaker 2: Like it's not like I didn't know that during like

554
00:27:45,880 --> 00:27:48,080
Speaker 2: throughout She's on the money, I have someone who's you know,

555
00:27:48,200 --> 00:27:50,600
Speaker 2: going to become a priest listening to our podcast and

556
00:27:50,640 --> 00:27:53,280
Speaker 2: that resonates and to me, that's really special.

557
00:27:53,480 --> 00:27:55,640
Speaker 1: It's been really fun because you've had some really interesting

558
00:27:55,640 --> 00:27:57,840
Speaker 1: money diarists which are from a very different world from me,

559
00:27:57,880 --> 00:28:00,360
Speaker 1: and I've really enjoyed listening to them, and I love

560
00:28:00,400 --> 00:28:03,440
Speaker 1: how open and support if you are of everyone. And

561
00:28:04,000 --> 00:28:06,840
Speaker 1: I never felt like, oh no, but that's not my world.

562
00:28:06,840 --> 00:28:09,120
Speaker 1: They're in a different world. I always felt like, oh,

563
00:28:09,160 --> 00:28:11,280
Speaker 1: it's so open. So it's really nice that I can

564
00:28:11,800 --> 00:28:14,639
Speaker 1: be on as well, especially after the money diary I

565
00:28:14,640 --> 00:28:18,040
Speaker 1: listened to last week. Yeah, it's just really really nice

566
00:28:18,080 --> 00:28:18,240
Speaker 1: to have.

567
00:28:18,400 --> 00:28:22,600
Speaker 2: It's crazy we having people who were sex workers to

568
00:28:22,960 --> 00:28:27,200
Speaker 2: literally appriest, Like if you say that we aren't inclusive

569
00:28:27,240 --> 00:28:32,359
Speaker 2: that checks on the money, you're wrong, You're wrong. We

570
00:28:32,440 --> 00:28:34,760
Speaker 2: don't care what you do, and that's just it, right,

571
00:28:34,800 --> 00:28:37,120
Speaker 2: Like we actually do not care what you do as

572
00:28:37,119 --> 00:28:39,320
Speaker 2: long as you are a kind person and you are

573
00:28:39,360 --> 00:28:42,040
Speaker 2: being nice and you are having an impact on the

574
00:28:42,040 --> 00:28:44,360
Speaker 2: world in a good way. Like I don't care what

575
00:28:44,400 --> 00:28:47,200
Speaker 2: you do, how you generatingcome as long as your relationship

576
00:28:47,240 --> 00:28:49,640
Speaker 2: with yourself is positive, and that is what's I guess

577
00:28:49,760 --> 00:28:52,680
Speaker 2: the most important thing to me, Like I literally couldn't

578
00:28:52,720 --> 00:28:54,560
Speaker 2: care what you do and how you do it as

579
00:28:54,560 --> 00:28:55,440
Speaker 2: long as you are happy.

580
00:28:55,800 --> 00:28:59,520
Speaker 3: Oh, thank you so much, thank you, and guys That

581
00:28:59,640 --> 00:29:01,520
Speaker 3: is all we have time for today.

582
00:29:01,560 --> 00:29:03,600
Speaker 2: But before we head off, we'd like to acknowledge and

583
00:29:03,680 --> 00:29:07,200
Speaker 2: pay respect to Australia's Aboriginal and torri Straight island of people's.

584
00:29:07,480 --> 00:29:10,560
Speaker 2: They're the traditional custodians of the lands, the waterways and

585
00:29:10,640 --> 00:29:13,720
Speaker 2: the skies all across Australia. We thank you for sharing

586
00:29:13,760 --> 00:29:15,400
Speaker 2: and for caring for the land on which we are

587
00:29:15,440 --> 00:29:17,920
Speaker 2: able to learn. We pay our respects to elders past

588
00:29:18,040 --> 00:29:20,760
Speaker 2: and present, and we share our friendship and our kindness.

589
00:29:21,200 --> 00:29:23,880
Speaker 3: The advice shared on She's on the Money is generally

590
00:29:24,000 --> 00:29:27,840
Speaker 3: nature and does not consider your individual circumstances. She's on

591
00:29:27,880 --> 00:29:31,200
Speaker 3: the Money exists purely for educational purposes and should not

592
00:29:31,240 --> 00:29:34,320
Speaker 3: be relied upon to make an investment or financial decision.

593
00:29:34,760 --> 00:29:38,280
Speaker 3: And we promise Victoria Devine is an authorized representative of

594
00:29:38,320 --> 00:29:42,880
Speaker 3: Australia Pacific Funds Management Proprietary Limited ABM three four one

595
00:29:42,960 --> 00:29:46,160
Speaker 3: three two four six three two five seven AFSL three

596
00:29:46,200 --> 00:29:47,840
Speaker 3: three nine one five one.

597
00:29:47,920 --> 00:29:50,880
Speaker 2: And as always we would adore it if you joined

598
00:29:50,880 --> 00:29:53,520
Speaker 2: our Facebook group where our community shares money tips and

599
00:29:53,560 --> 00:29:56,480
Speaker 2: tricks every single day, free of judgment. So She's on

600
00:29:56,520 --> 00:29:59,000
Speaker 2: the Money on Facebook and join us, and if Facebook's

601
00:29:59,000 --> 00:30:00,800
Speaker 2: not you think that is fine. We are all over

602
00:30:00,840 --> 00:30:02,800
Speaker 2: the Gram and all over the TikTok. We are at

603
00:30:02,840 --> 00:30:04,680
Speaker 2: She's on the Money a US.

604
00:30:05,080 --> 00:30:07,040
Speaker 3: And if you've got a money diary that you would

605
00:30:07,120 --> 00:30:09,880
Speaker 3: love to share, please please please email it through to

606
00:30:10,000 --> 00:30:13,120
Speaker 3: Hello at she'sothemoney dot com dot au and we'll see

607
00:30:13,160 --> 00:30:13,680
Speaker 3: you next week.

608
00:30:13,800 --> 00:30:16,000
Speaker 2: See you guys. Bye,