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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 4: Hello, and welcome to She's on the Money the podcast

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Speaker 4: Millennials who want financial freedom. Welcome back to another shop

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Speaker 4: back money Dairy Monday, where we get to talk to

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Speaker 4: a community member to learn about them, their money and

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Speaker 4: all of the fun bits and pieces in between. Victoria,

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Speaker 4: I have a pretty hectic one for you this week.

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Speaker 4: To be honest, this diarist is an absolute true but

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Speaker 4: there is no other word for it.

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Speaker 2: Oh, I want to hear it.

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Speaker 4: Let's go and just before we get into it, I

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Speaker 4: do want to put in a content warning. We talk

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Speaker 4: about some pretty heavy topics in this direst email. You know,

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Speaker 4: if you find concepts like physical and mental injury or

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Speaker 4: life and death experience is something that's a little bit

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Speaker 4: hard to listen to, this might not be the episode

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Speaker 4: for you. So our diarist says, I grew up in

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Speaker 4: the country with my parents running the local Chinese restaurant.

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Speaker 4: After many different roles, I joined a frontline emergency services

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Speaker 4: job in two thousand and nine, stationed in Western Sydney,

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Speaker 4: and I was medically discharged last year with PTSD and

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Speaker 4: a physical injury. My partner was diagnosed with cancer in

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Speaker 4: feb of twenty twenty, and he passed away in October

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Speaker 4: last year, leaving behind an eighteen year old and a

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Speaker 4: twenty two year old. His will was old and it

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Speaker 4: was in the midst of being updated when he passed.

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Speaker 4: He was too unwell to sign the final draft. Over

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Speaker 4: this time, I also had somebody try to steal my identity.

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Speaker 4: I have been in a lot of therapy due to

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Speaker 4: my PTSD, but in January my psych past which complicated

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Speaker 4: things tremendously as I was in the midst of suing

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Speaker 4: my former employer. I'm okay for money right now. Due

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Speaker 4: to a payout from work cover, but I'm not sure

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Speaker 4: how my partner's estate will settle. I look forward to

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Speaker 4: sharing my complex story with the community.

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Speaker 2: Holy moly, Jess money Darist, Welcome to the show. How

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Speaker 2: are you?

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Speaker 5: Oh?

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Speaker 6: You know, it's a bit confronting hearing it all back.

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Speaker 6: And I think my self talk is pretty pretty low.

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Speaker 6: So I normally ex say to myself, oh, you know what,

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Speaker 6: you just need to suck it up. But I was

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Speaker 6: listening to that story and I thought, my god, that

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Speaker 6: poor human.

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Speaker 2: Yes, too much, actually too much to suck up. That's

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Speaker 2: not a thing, is it's not a thing? Like I

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Speaker 2: just feel like that negative self talk is absolutely serving nobody.

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Speaker 2: And anyone who just heard that story would be like,

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Speaker 2: oh my gosh, like that is blow after blow after blow.

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Speaker 6: Yeah, it's a bit relentless at the.

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Speaker 2: Moment, it would feel that way. All right, let's get

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Speaker 2: into the structured questions so we can get comfy, get

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Speaker 2: on the same page, and then we can have a

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Speaker 2: bit more of a chat on the other side of

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Speaker 2: this episode, Money Diarist, can you tell us a little

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Speaker 2: bit about your money story?

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Speaker 6: Yeah, so life, I said, I grew up in regional

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Speaker 6: New South Wales when my parents owned a little restaurant.

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Speaker 6: We didn't talk about money a lot at all. But

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Speaker 6: I worked at the family restaurant, so I learned really

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Speaker 6: good work ethic, but probably didn't really learn the value

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Speaker 6: of money, not that I was given everything, but more

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Speaker 6: that I had to work for what I got.

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Speaker 2: Did you have a salary?

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Speaker 6: I got paid ten bucks and start his slave.

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Speaker 4: Labor, slave labor, I mean, when it's your family, though,

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Speaker 4: what are you gonna do?

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Speaker 5: Exactly?

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Speaker 6: So I moved to Sydney when I was eighteen to

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Speaker 6: study hospitality, and I had a boyfriend at the time

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Speaker 6: who I ended up supporting for a couple of years,

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Speaker 6: and then I broke up with him. I moved to

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Speaker 6: Queensland when I was twenty one and then moved back

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Speaker 6: to Sydney for a guy who is now my ex,

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Speaker 6: and continued working in hospitality or probably worked anywhere up

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Speaker 6: to three jobs at once, and I was living pretty

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Speaker 6: much paycheck to paycheck at that stage. I did end

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Speaker 6: up studying massuch therapy and mine now ex talked me

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Speaker 6: into joining an armored the emergency services when I was

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Speaker 6: twenty seven. When I started working there, and then in

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Speaker 6: twenty thirteen he cheated on me and I pretty much

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Speaker 6: walked out the door with my dog good. We've been

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Speaker 6: together for about ten years and he had a pretty

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Speaker 6: decent property portfolio and I refused, I wouldn't take any

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Speaker 6: of it. I ended up getting together with my partner,

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Speaker 6: and then in early twenty nineteen is when I went

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Speaker 6: off work with my psychological injury, and then I did

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Speaker 6: therapy all through that year pretty much, and then I

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Speaker 6: had surgery on a physical injury from work, and two

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Speaker 6: weeks after my surgery, my partner was diagnosed with cancer.

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Speaker 6: And then we pretty much spent eighteen months juggling my

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Speaker 6: treatment and his treatment, and I was medically discharged from

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Speaker 6: work last year early last year, and he passed away

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Speaker 6: late last year.

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Speaker 2: That is a shit show. There's no other way of

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Speaker 2: cat that. Like I can't be like, oh, are you really,

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Speaker 2: like if you're okay? Like I do not understand like

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Speaker 2: how anyone could be okay after that, Like that is

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Speaker 2: a lot to go through. I admire your strength.

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Speaker 6: Thanks.

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Speaker 5: Yeah.

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Speaker 6: So I now have two legal matters going through with

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Speaker 6: my employer or my previous employer, and as well as

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Speaker 6: my partner's estate, which is just anny ay.

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Speaker 4: And something you don't need after going through such a

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Speaker 4: traumatic experience as well. And I'm so sorry that that

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Speaker 4: is the case.

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Speaker 6: Thanks.

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Speaker 2: What was your partner like?

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Speaker 5: Oh he was frustrating.

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Speaker 2: They all are.

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Speaker 6: Oh no, he was frustrating and he was funny. We

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Speaker 6: we were like peas in a pod.

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Speaker 2: No, I'm so sorry to food. Good joint loves are

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Speaker 2: very important. Was he also a dog person?

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Speaker 6: Yes, you can see the pictures behind me. This one

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Speaker 6: was his dog.

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Speaker 2: Yeah.

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Speaker 5: This dog here is the one that I took from

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Speaker 5: my ex.

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Speaker 1: Yeah.

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Speaker 6: Good, this one is my terrible naughty puppy because this

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Speaker 6: guy he passed away.

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Speaker 4: Oh my gosh, he has the cutest, cheekiest It's beautiful

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Speaker 4: art actually really lovely for everyone who can't see. She's

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Speaker 4: got beautiful portraits of her pappa's on the back wall

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Speaker 4: which are just gorgeous.

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Speaker 2: Yeah, they're stunning. And that one on the far right

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Speaker 2: looks so cheeky, like he just looks like he's naughty.

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Speaker 5: She's the devil child.

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Speaker 2: Get along with Lucy, all right, money, darist, I want

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Speaker 2: to know the next question is what do you do

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Speaker 2: for work and how much money do you currently earn?

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Speaker 5: Well?

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Speaker 6: I actually I like to tell people that I'm a

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Speaker 6: stay at home dog mum at the moment, live in

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Speaker 6: the dream. Yes, I'm on payments of seventy five thousand

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Speaker 6: a year and part of my payment is paid fortnightly

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Speaker 6: and part of my payment is paid monthly.

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Speaker 2: That's interesting and confusing. That would be hard to budget for.

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Speaker 6: It is very confusing sometimes.

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Speaker 2: So what does that leave you with because obviously you've

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Speaker 2: got someone going medical expenses like on a month to

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Speaker 2: month or fortnite to fortnite basis, what does that mean

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Speaker 2: hits your account? And how much is usually left in

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Speaker 2: terms of wiggle room?

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Speaker 6: So fortnightly I get paid about one thousand dollars and

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Speaker 6: then monthly I'm paid about three thousand. So at the moment,

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Speaker 6: my insurer is still paying all of my medical expenses,

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Speaker 6: so that's a bit of the bonus good. So that

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Speaker 6: basically comes in and I'm okay as well as like,

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Speaker 6: we're probably going to get into this in a little

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Speaker 6: bit with loans and stuff.

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Speaker 5: Because the mortgage is in my partner's name.

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Speaker 6: Everything has been put on a whole, so I'm not

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Speaker 6: making any mortgage repayments or anything like that. And the

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Speaker 6: only other loan that we had was on the dream

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Speaker 6: car that we bought, and again because that's in his name,

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Speaker 6: it's all been put on hold.

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Speaker 2: That is so fickle and so confusing, and also a

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Speaker 2: really good example of why it is so important to

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Speaker 2: have an up to date will, because no one thinks

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Speaker 2: about it, right. You just go, oh, I have a will.

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Speaker 2: It'll be fine. But an up to date will doesn't

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Speaker 2: change your life, but it changes your family's life and

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Speaker 2: the people that have to deal with everything after you're gone.

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Speaker 5: Definitely.

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Speaker 6: I keep saying people, I'm really forceful. I'm always like,

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Speaker 6: have you got a will? If you don't have a will, like,

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Speaker 6: I will punch you in the favor.

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Speaker 5: Just for the people.

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Speaker 2: You love the aggression. I love it. It's like all

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Speaker 2: of my clients come and see me and I'll sort

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Speaker 2: out your finances, and I ask a question. I'm like,

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Speaker 2: will's in estate planning? Where are we at nearly? Oh,

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Speaker 2: it's fine, we're young. I'm like, cool, So I'll book

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Speaker 2: a meeting with Lucy. You're going to go, You're going

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Speaker 2: to do this because we're not having this conversation later.

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Speaker 2: But it is something that so many of us just

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Speaker 2: don't think is a p because we're young, right.

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Speaker 5: Yeah, and definitely.

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Speaker 6: And I keep saying to people, we get, but what

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Speaker 6: happens if a plane falls out of the sky and

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Speaker 6: lanes on top of you, like what happens?

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Speaker 2: Then yeah, exactly. We've got to expect the unexpected and

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Speaker 2: prepare for the worst. But I want to ask the

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Speaker 2: next question, my friend. I'd like to know, do you

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Speaker 2: have any investments.

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Speaker 6: I have my super yes, which is sitting at seven

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Speaker 6: hundred and one thousand.

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Speaker 5: Wow.

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Speaker 2: Wow, what seven hundred and one thousand. I think you've

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Speaker 2: got the highest super fund of anyone that we've ever

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Speaker 2: had on money diaries.

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Speaker 5: So I probably need to explain that.

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Speaker 6: Because of my injury, I was paid out my TPDEAH insurance,

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Speaker 6: so that was five hundred and forty thousand, and that

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Speaker 6: was put in with my super. So I actually spoke

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Speaker 6: to a financial advisor and he said, there's no real

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Speaker 6: point you're taking it out justly but where it is

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Speaker 6: until you've decided what you want to do with it.

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Speaker 5: So it's just great in their duldens.

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Speaker 6: And I also have just a little Rai's account that's

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Speaker 6: got about two and a half thousand.

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Speaker 2: Indn't it great? How good? Next question, do you have

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Speaker 2: any debts.

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Speaker 6: No, not well yes, but no, so not in my name.

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Speaker 6: I don't have any debts, but our mortgage and the

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Speaker 6: car loan is in my partner's name. So I think

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Speaker 6: we're owing about one hundred and fifty.

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Speaker 5: On the house.

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Speaker 6: And we bought our dream car, which was Aline Cruiser,

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Speaker 6: and we've got fifty five thousand left on that.

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Speaker 2: Land Cruisers are speno, but in this market they hold

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Speaker 2: their value so arguably not the worst investment. Let's be honest.

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Speaker 5: It's worth more than what we paid for it.

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Speaker 2: Honestly, everyone who has a land Cruiser keeps telling me that.

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Speaker 2: And I've got a client and he knows who he is.

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Speaker 2: He listens to the episodes. He bought one, and he's

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Speaker 2: like at the time, he's like, Victoria, it's a good investment.

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Speaker 2: And I was like, you've got rocks in your head. Boy,

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Speaker 2: did I learn?

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Speaker 5: Ha ha?

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Speaker 6: Yeah, they're not cheap.

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Speaker 2: They are not cheap. Next question, do you use shop

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Speaker 2: back by chance?

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Speaker 5: I do. I actually use it for these three guys.

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Speaker 6: I shop through pet Circle there, but I don't really

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Speaker 6: do much shopping or online shopping, to be honest with you,

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Speaker 6: but I do use it a little bit with Pet circle,

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Speaker 6: and you know, if I've got birthdays or something coming up.

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Speaker 2: Occasionally, I feel like it's just helpful for those things

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Speaker 2: that you were going to buy anyway, not necessarily like

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Speaker 2: going shopping. But pet circle great money win. I'm going

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Speaker 2: to get some more cash back because small gripe of mine.

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Speaker 2: How expensive pet food is?

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Speaker 1: Like?

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Speaker 6: What great?

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Speaker 5: Oh?

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Speaker 6: And my dogs they eat so much? All right?

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Speaker 2: I want to know what is your best money habit?

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Speaker 6: My best money habit. I'm pretty good at waiting things out, like, oh,

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Speaker 6: wait for a good price on something. And I'm not

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Speaker 6: scared of haggling. Like I said, we bought a land

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Speaker 6: Cruiser in twenty twenty, and your friend who you were

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Speaker 6: talking about before will probably be a bit impressed that

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Speaker 6: because they retail it about one hundred and four thousand,

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Speaker 6: and I haggled them down to ninety four. Oh and

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Speaker 6: I have yes, no clue why they gave it to

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Speaker 6: me for that price.

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Speaker 2: I love that. I love that. Just for context, I

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Speaker 2: think he spent close to one fifty and then did

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Speaker 2: all of these upgrades and stuff on it. I don't understand.

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Speaker 2: I just was sitting there being like this is a

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Speaker 2: bad idea, But turns out it was good idea. I

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Speaker 2: feel like haggling these days is very underlooked. People don't

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Speaker 2: do it. Do you find yourself haggling on a lot

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Speaker 2: of big purchases? I mean, you can't go to pet

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Speaker 2: Circle and be like, hey, can I spend less on

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Speaker 2: pet food? But things like cars and really bad purchasers. Oh,

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Speaker 2: that's not true.

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Speaker 6: Not if you go online and find a cheaper price online,

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Speaker 6: you can speak to the pet Circle people on their

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Speaker 6: little chat and then they'll go and have a look

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Speaker 6: at it, and then they'll give it to you for

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Speaker 6: the same price.

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Speaker 2: Oh my god, I'm going to do that. I'm going

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Speaker 2: to do that too. Money win, she is for that?

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Speaker 2: What is something you wouldn't haggle in that case?

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Speaker 6: Oh? Like, I'm not going to go to the supermarket

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Speaker 6: and hagle there.

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Speaker 2: You're not the type of person to peel the bananas

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Speaker 2: before trying to pay for them.

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Speaker 6: No, not that girl.

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Speaker 2: Yeah, okay, all right. On the flip side, what is

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Speaker 2: your worst money habit?

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Speaker 6: So my worst money habit is I'm probably not brave

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Speaker 6: enough to invest or put money into a term deposit,

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Speaker 6: and I know I really want to, and I've got

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Speaker 6: money there to do it. But I'm just like, oh,

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Speaker 6: I don't know, should I do it? I'm a little

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Speaker 6: bit It makes me just a little bit anxious to

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Speaker 6: be honest.

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Speaker 2: I get it, I get it. It's all about education,

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Speaker 2: though I'm making steps that make sense to you, and

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Speaker 2: to be honest at this point in your life, I

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Speaker 2: feel like that is a stress you just don't need.

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Speaker 2: Knowing enough about your financial circumstances, your age, and what's

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Speaker 2: in your super You're going to be just fine even

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Speaker 2: if we wait another twelve or twenty four months until

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Speaker 2: everything just feels a little bit clearer. I think that

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Speaker 2: this is it's just one of those things where it's like,

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Speaker 2: let's take that load off. And I think that there

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Speaker 2: shouldn't be any pressure to start an investment journey when

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Speaker 2: you're stressed about other things in life, like life needs

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Speaker 2: to sometimes come first. And I think that you're doing

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Speaker 2: the right thing by going in a what not my circus,

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Speaker 2: not my monkey's this week. I've got enough going on

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Speaker 2: because it's just another added stress, And the start of

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Speaker 2: an investment journey does involve you being quite involved in it, right,

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Speaker 2: Like you need to know what decisions you're making. It

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Speaker 2: can't be something that you just set and forget from

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Speaker 2: the beginning, because we really need to make sure that

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Speaker 2: we're making the right decisions that are in line with

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Speaker 2: our values and goals. But right now it sounds like

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Speaker 2: a little bit of a tumultuous time. So let's come

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Speaker 2: back to that one at some point, my friend. All right,

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Speaker 2: last question before we go on a bit of a

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Speaker 2: deep dive after the break. I'd like to know what

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Speaker 2: grade would you give yourself if we force you to

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Speaker 2: give yourself a money grade?

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Speaker 5: I would probably give myself like a bee.

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Speaker 6: I was much worse with my money than I am now,

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Speaker 6: and I'm learning a lot. I've been pretty good with

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Speaker 6: my savings, to be honest with you, because I have

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Speaker 6: about one.

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Speaker 5: Hundred and thirty thousand dollars.

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Speaker 6: Saved, oh my goodness, jobs in several different bank accounts.

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Speaker 6: So i'd probably give myself a bee because I feel

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Speaker 6: like I could learn much much more and I could

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Speaker 6: be a bit smarter with it. But at the moment, again,

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Speaker 6: but a little bit going.

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Speaker 2: On, Yeah, exactly, I would think that a bee is

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Speaker 2: a little bit harsh given how well you're doing, how

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Speaker 2: you've got good savings, good cash flow habits, you've got

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Speaker 2: epic super I would think that you are not giving

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Speaker 2: yourself enough credit, which I think might be a theme

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Speaker 2: that runs through your life at this point in time.

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Speaker 6: Well, you I'm pretty good at being pretty hard on myself.

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Speaker 2: I'm picking up that vibe. But let's dive into that

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Speaker 2: after this very quick break money diarist.

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Speaker 4: I want to kind of start at the start of

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Speaker 4: your message and talk about your injuries. And I really

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Speaker 4: like that you referred to your PTSD as your psychological injury,

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Speaker 4: because I really believe in the power of words, and

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Speaker 4: I think that too often psychological problems are kind of

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Speaker 4: not addressed with the same level of seriousness or directness

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Speaker 4: that physical injuries are. So I just want to say

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Speaker 4: I really like that you did that, and I will

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Speaker 4: be doing that going forwards. But obviously juggling a physical

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Speaker 4: and psychological injury at the same time would be very challenging.

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Speaker 4: And there has been a history in you know, the

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Speaker 4: emergency services of things sometimes you know, not being maybe

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Speaker 4: dealt with in a way that you would hope for

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Speaker 4: them to be dealt with, And I wanted to talk

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Speaker 4: to you a little bit about that experience because you

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Speaker 4: said you're still going through legal battles today, Can you

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Speaker 4: tell us a bit about what happened?

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Speaker 6: So for me, it was a little bit of a

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Speaker 6: build up of, you know, being exposed to a lot

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Speaker 6: of traumatic incidents over a long period of time, and

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Speaker 6: then I went to work and was with an incident

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Speaker 6: that when I walked away, I was really angry at

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Speaker 6: myself with how I dealt with it. So it's actually

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Speaker 6: considered like a moral injury because you've done something that

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Speaker 6: is you would not normally do or think. So I

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Speaker 6: actually ended up doing CPR on a local drug dealer

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Speaker 6: who I really despised, and I remember walking away thinking,

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Speaker 6: a uf and series, this is the one person that

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Speaker 6: I get to try and save today.

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Speaker 4: I mean, I can't even begin to imagine. But it's

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Speaker 4: such a testament to you as a person. To be

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Speaker 4: able to put your own personal feelings and all of

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Speaker 4: the things that you were dealing with at the time

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Speaker 4: to put them aside to do your job to save

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Speaker 4: somebody's life is nothing short of incredible. And regardless of

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Speaker 4: the choices that that person made, there is one more

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Speaker 4: person in this world because of you, and that is

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Speaker 4: just amazing.

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Speaker 2: That's so special, And I just feel like as a

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Speaker 2: frontline worker, you get dealt these cards where you can't

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Speaker 2: really place judgment over these things, like you're doing your job.

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Speaker 4: How big of a gap was there between that psychological

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Speaker 4: injury occurring and then your physical injury.

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Speaker 6: My physical injury actually occurred first. Okay, So when I

386
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Speaker 6: got my physical injury, I really didn't think anything of it,

387
00:19:29,119 --> 00:19:31,879
Speaker 6: and I just put in a form to say, you know,

388
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Speaker 6: I've done this. I think there might be an injury,

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Speaker 6: but I'm okay. I didn't get any treatment for it

390
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Speaker 6: at the time, and then several months later I was

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Speaker 6: at the doctors and I was speaking to him and

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Speaker 6: then spoke to my physiotherapist and she was like, oh,

393
00:19:49,680 --> 00:19:51,520
Speaker 6: I really think you may should maybe have a look

394
00:19:51,560 --> 00:19:53,680
Speaker 6: at getting some skins done on it. So I went

395
00:19:53,800 --> 00:19:57,520
Speaker 6: did that and then went back to the insurance company

396
00:19:57,680 --> 00:19:59,600
Speaker 6: was like, hey, listen, this is what's come up in

397
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Speaker 6: these skins, and then they pretty much took coverage of it.

398
00:20:03,680 --> 00:20:06,560
Speaker 6: And yeah, so I ended up having to have surgery

399
00:20:06,640 --> 00:20:09,720
Speaker 6: to repair the ligament in my wrist, So that was

400
00:20:09,760 --> 00:20:10,639
Speaker 6: pretty delightful.

401
00:20:11,240 --> 00:20:11,520
Speaker 4: Yeah.

402
00:20:11,800 --> 00:20:14,960
Speaker 2: No, it wouldn't have been. No, it wouldn't have been.

403
00:20:17,320 --> 00:20:20,160
Speaker 6: It has taken a long time to rehab risks.

404
00:20:19,960 --> 00:20:22,760
Speaker 4: Are so complex because there's so my partner's actually a physico,

405
00:20:22,800 --> 00:20:25,920
Speaker 4: and there's so many tiny, little minuscule bones in there.

406
00:20:26,280 --> 00:20:28,520
Speaker 4: And turns out you actually use your hands a lot

407
00:20:28,720 --> 00:20:32,320
Speaker 4: in day to day life and you hat so that happened.

408
00:20:32,359 --> 00:20:34,119
Speaker 4: You did the right thing. You filled out the form.

409
00:20:34,720 --> 00:20:36,760
Speaker 4: The insurance that you were referring to. Is that your

410
00:20:36,800 --> 00:20:40,920
Speaker 4: personal insurances that you had, or insurance through your employer.

411
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Speaker 6: No insurance through the employer.

412
00:20:42,480 --> 00:20:45,720
Speaker 4: Yeah, okay, So they looked after everything there and then

413
00:20:46,160 --> 00:20:49,720
Speaker 4: fast forward quite a few years to today. Where is

414
00:20:49,840 --> 00:20:53,399
Speaker 4: the sticking point with your employer? What is embroiling you

415
00:20:53,440 --> 00:20:56,200
Speaker 4: in this legal battle that stretched out over so much time.

416
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Speaker 6: So just because we're now at the final stages of

417
00:21:02,320 --> 00:21:06,560
Speaker 6: litigation with the insurance company as to whether or not

418
00:21:06,880 --> 00:21:09,080
Speaker 6: they are liable for my.

419
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Speaker 2: Injuries, yeah okay, And I'm assuming that pertains more to

420
00:21:13,800 --> 00:21:17,000
Speaker 2: the psychological injury than it does to the physical, Is

421
00:21:17,040 --> 00:21:20,000
Speaker 2: that correct? Yeah? That seems to be pretty standard in

422
00:21:20,119 --> 00:21:24,800
Speaker 2: frontline worker like life. But it actually disgusts me, like

423
00:21:24,920 --> 00:21:28,119
Speaker 2: the idea that the people that literally put their lives

424
00:21:28,200 --> 00:21:31,280
Speaker 2: on the line, like you spoke before that you did

425
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Speaker 2: CPR on a drug dealer, Like that is putting yourself

426
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Speaker 2: in And I'm sure you've been in a million more

427
00:21:37,680 --> 00:21:41,080
Speaker 2: dangerous situations that I don't understand and you know don't

428
00:21:41,119 --> 00:21:44,000
Speaker 2: know about, but like that's a circumstance that not every

429
00:21:44,000 --> 00:21:46,480
Speaker 2: single person would be willing to put themselves in for

430
00:21:46,560 --> 00:21:49,439
Speaker 2: the you know, greater good of the community and of

431
00:21:49,440 --> 00:21:52,679
Speaker 2: our you know, our space and our world, and then

432
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Speaker 2: things like this happen and you're not put in an

433
00:21:55,040 --> 00:21:58,400
Speaker 2: optimal position, like it just it makes me so angry

434
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Speaker 2: to think that you have to go through this and

435
00:22:01,240 --> 00:22:03,119
Speaker 2: you have to put your time and your energy and

436
00:22:03,160 --> 00:22:08,000
Speaker 2: your effort into making this happen, because ideally, if it

437
00:22:08,040 --> 00:22:09,720
Speaker 2: was up to them, it would have been swept under

438
00:22:09,760 --> 00:22:11,920
Speaker 2: the rug. I'm assuming that's exactly right.

439
00:22:11,960 --> 00:22:14,359
Speaker 6: It would have been you know, me just being a

440
00:22:14,440 --> 00:22:17,440
Speaker 6: number and then them being able to replace me so easily.

441
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Speaker 2: It's actually disgusting. So talk to me about next steps.

442
00:22:22,080 --> 00:22:25,000
Speaker 2: All of this is happening. You've been through a lot

443
00:22:25,040 --> 00:22:27,960
Speaker 2: in that space, and then you went through everything with

444
00:22:28,040 --> 00:22:32,760
Speaker 2: your partner in addition to this, Like how are you doing,

445
00:22:33,000 --> 00:22:35,960
Speaker 2: how are you dealing with this? Like what's going on

446
00:22:36,119 --> 00:22:39,400
Speaker 2: at the moment and what support are you getting, because

447
00:22:39,840 --> 00:22:43,080
Speaker 2: obviously that is so essential to this journey.

448
00:22:43,440 --> 00:22:48,120
Speaker 6: I'm probably pretty lucky, and I really built really good

449
00:22:48,240 --> 00:22:51,359
Speaker 6: support network around me, so I made sure, like you know,

450
00:22:52,040 --> 00:22:55,600
Speaker 6: I was pretty demanding with my treatment, so my psych

451
00:22:55,680 --> 00:23:00,000
Speaker 6: injury in particular, or I demanded, you know, the best,

452
00:23:00,200 --> 00:23:04,440
Speaker 6: the best psychologists and the best psychiatrists. And then I'm

453
00:23:04,480 --> 00:23:08,560
Speaker 6: super lucky to have the most amazing friends.

454
00:23:10,200 --> 00:23:10,880
Speaker 5: And family.

455
00:23:12,520 --> 00:23:17,640
Speaker 6: So I've relighted heavily on that with my psych injury.

456
00:23:18,040 --> 00:23:21,520
Speaker 6: I have also done like so much therapy, like group

457
00:23:21,600 --> 00:23:25,439
Speaker 6: therapy and stuff. And in one week I go to

458
00:23:25,920 --> 00:23:30,639
Speaker 6: a mental health facility for a little holiday away just

459
00:23:30,680 --> 00:23:32,560
Speaker 6: to try and deal with some.

460
00:23:32,480 --> 00:23:33,480
Speaker 5: Of my own stuff.

461
00:23:33,720 --> 00:23:35,760
Speaker 2: I think that is a very good step in the

462
00:23:35,840 --> 00:23:40,399
Speaker 2: right direction, and the support there twenty four to seven

463
00:23:40,760 --> 00:23:42,560
Speaker 2: will mean that you can just focus on you.

464
00:23:42,880 --> 00:23:45,280
Speaker 6: I'm super excited to not even have to cook my

465
00:23:45,359 --> 00:23:45,920
Speaker 6: own food.

466
00:23:46,400 --> 00:23:49,119
Speaker 4: I was going to say the real benefit of those places,

467
00:23:49,160 --> 00:23:51,840
Speaker 4: and a very close family member of mine spent some

468
00:23:51,920 --> 00:23:55,680
Speaker 4: time in a facility, and the benefit is really that,

469
00:23:56,320 --> 00:23:58,879
Speaker 4: you know, as a human being, you take on so

470
00:23:59,040 --> 00:24:02,160
Speaker 4: many little loads, like you said, the cooking or trying

471
00:24:02,160 --> 00:24:04,919
Speaker 4: to keep on top of the housework and going to

472
00:24:04,960 --> 00:24:07,800
Speaker 4: somewhere where all of that is alleviated and stripped back,

473
00:24:07,880 --> 00:24:11,560
Speaker 4: so you can really just be with yourself and focus

474
00:24:11,640 --> 00:24:14,439
Speaker 4: on you and everything that you've been through. I think

475
00:24:14,920 --> 00:24:16,600
Speaker 4: there's a lot of stigma attached to it, and I

476
00:24:16,680 --> 00:24:20,359
Speaker 4: think it's so ridiculous because actually, for a lot of people,

477
00:24:20,520 --> 00:24:23,240
Speaker 4: it's actually what you need is just the clarity of

478
00:24:23,320 --> 00:24:24,320
Speaker 4: sitting with yourself.

479
00:24:24,560 --> 00:24:26,720
Speaker 6: Yeah, definitely, I just need a little bit of time

480
00:24:26,760 --> 00:24:30,360
Speaker 6: out from the everything that's going on and just some

481
00:24:30,400 --> 00:24:34,160
Speaker 6: time to deal with everything that I'm going through.

482
00:24:34,400 --> 00:24:36,920
Speaker 2: I agree. I think it is a very positive step

483
00:24:36,960 --> 00:24:40,359
Speaker 2: in the right direction. But I want to ask because unfortunately,

484
00:24:40,880 --> 00:24:43,879
Speaker 2: when it comes to frontline workers, this isn't the first

485
00:24:43,920 --> 00:24:48,159
Speaker 2: time I've heard in our community legal battles going on

486
00:24:48,440 --> 00:24:53,480
Speaker 2: between you know, different services and previous employers because of

487
00:24:53,520 --> 00:24:57,600
Speaker 2: physical or mental injuries or even bullying. I just feel

488
00:24:57,600 --> 00:25:00,560
Speaker 2: like I think I'm in a very special pas right

489
00:25:00,640 --> 00:25:04,120
Speaker 2: like you guys, I hope and trust me with your

490
00:25:04,160 --> 00:25:07,520
Speaker 2: stories and trust me enough to reach out when these

491
00:25:07,560 --> 00:25:10,239
Speaker 2: things happen, And obviously I'll bend over backwards to make

492
00:25:10,280 --> 00:25:13,040
Speaker 2: sure you're in an okay position, But it just seems

493
00:25:13,160 --> 00:25:17,600
Speaker 2: all too prevalent what support are you getting? Obviously you've

494
00:25:17,640 --> 00:25:20,240
Speaker 2: got a really great support network, but are there resources

495
00:25:20,240 --> 00:25:23,000
Speaker 2: that you've been leaning on that other people in our

496
00:25:23,000 --> 00:25:25,760
Speaker 2: community might be able to lean on as well? Or like,

497
00:25:25,840 --> 00:25:28,159
Speaker 2: how are you dealing with this? And I won't say

498
00:25:28,400 --> 00:25:30,879
Speaker 2: so well because I'm sure you don't feel so well,

499
00:25:30,880 --> 00:25:34,160
Speaker 2: but I'm genuinely like what how is she going through

500
00:25:34,200 --> 00:25:36,040
Speaker 2: all of this and still going like, oh, I have

501
00:25:36,160 --> 00:25:39,720
Speaker 2: negative self talk? Like no, I want to pick you

502
00:25:39,800 --> 00:25:41,400
Speaker 2: up and hug you and send you on a holiday

503
00:25:41,400 --> 00:25:46,080
Speaker 2: and be like what can I do? Well?

504
00:25:46,080 --> 00:25:47,119
Speaker 5: I'd love a holiday.

505
00:25:48,000 --> 00:25:53,280
Speaker 6: So you know, if it's you know, dealing with, say

506
00:25:53,760 --> 00:25:56,960
Speaker 6: a mental health issue, I always suggest to people, you know,

507
00:25:57,160 --> 00:26:00,600
Speaker 6: you go to your GP and you speak to them

508
00:26:00,640 --> 00:26:03,360
Speaker 6: and get yourself a mental health plan because they will

509
00:26:03,400 --> 00:26:07,320
Speaker 6: cover either the whole cost or part of the cost

510
00:26:07,440 --> 00:26:10,400
Speaker 6: to see a psychologist or accounts or something like that.

511
00:26:10,920 --> 00:26:14,040
Speaker 6: So that's what I've always sort of suggest. As for

512
00:26:14,520 --> 00:26:18,240
Speaker 6: you know, when I was working in emergency services, I

513
00:26:18,280 --> 00:26:21,399
Speaker 6: don't think I took up any of the services that

514
00:26:21,680 --> 00:26:27,160
Speaker 6: they provided with, like for psychological stuff or anything like that.

515
00:26:27,840 --> 00:26:30,399
Speaker 6: I guess there was that still that stigma and I

516
00:26:30,440 --> 00:26:33,440
Speaker 6: didn't want to be tired with that brush. Now I'm

517
00:26:33,480 --> 00:26:36,440
Speaker 6: a bit like shit, I'll tell you everything.

518
00:26:36,800 --> 00:26:40,840
Speaker 2: Yeah, yeah. And I feel like that's also relatively common

519
00:26:40,880 --> 00:26:43,399
Speaker 2: as well. Like a lot of people that we've previously

520
00:26:43,440 --> 00:26:46,760
Speaker 2: discussed this with are very much on the page of

521
00:26:46,960 --> 00:26:51,440
Speaker 2: they don't want help from internal psychologists or internal support

522
00:26:51,600 --> 00:26:54,480
Speaker 2: because they just feel like it might be used against

523
00:26:54,480 --> 00:26:58,399
Speaker 2: them or might not be taken as seriously, whereas you know,

524
00:26:58,520 --> 00:27:01,560
Speaker 2: external help might be a little bit easier on you

525
00:27:01,640 --> 00:27:04,840
Speaker 2: and the process might be a little bit more comforting.

526
00:27:05,359 --> 00:27:07,679
Speaker 2: It's a hard position to be in, and I just

527
00:27:07,680 --> 00:27:09,679
Speaker 2: look at it and go, there's something wrong with the

528
00:27:09,720 --> 00:27:12,560
Speaker 2: system if this is like these are the situations that

529
00:27:12,600 --> 00:27:13,800
Speaker 2: you're finding yourself in.

530
00:27:14,200 --> 00:27:16,360
Speaker 6: It's so hard, Like you don't want to be that

531
00:27:16,400 --> 00:27:18,920
Speaker 6: person who's gone off with the head noise is right,

532
00:27:18,960 --> 00:27:22,000
Speaker 6: and then you come back and nobody wants to be

533
00:27:22,600 --> 00:27:25,960
Speaker 6: like working with you, or they don't want to, you know,

534
00:27:26,000 --> 00:27:29,959
Speaker 6: they don't want to associate with you because for whatever reason,

535
00:27:30,040 --> 00:27:33,880
Speaker 6: it's a really harsh stigma. And I mean, even since

536
00:27:33,960 --> 00:27:38,200
Speaker 6: I've been off, I've noticed that the people who stay

537
00:27:38,200 --> 00:27:42,040
Speaker 6: in contact with me are few and far between. There's

538
00:27:42,280 --> 00:27:44,200
Speaker 6: quite a lot of people who you know, I thought

539
00:27:44,359 --> 00:27:47,359
Speaker 6: I was really good friends with at the time because

540
00:27:47,400 --> 00:27:50,320
Speaker 6: we work together a lot, and then you know, I've

541
00:27:50,320 --> 00:27:51,840
Speaker 6: not heard boo from them since.

542
00:27:52,080 --> 00:27:56,480
Speaker 2: I hate that. But traumatic events often help you find

543
00:27:56,640 --> 00:27:59,840
Speaker 2: who your true friends are. And as much as it

544
00:28:00,000 --> 00:28:02,720
Speaker 2: feels like a loss, something that I said to a

545
00:28:02,760 --> 00:28:05,080
Speaker 2: friend the other day is sometimes you lose something and

546
00:28:05,119 --> 00:28:08,359
Speaker 2: it's not a loss. Like sometimes when you shed something,

547
00:28:08,400 --> 00:28:10,399
Speaker 2: it feels like a loss because you're like, wait, that

548
00:28:10,640 --> 00:28:14,240
Speaker 2: was so good, but it actually wasn't because it was

549
00:28:14,280 --> 00:28:17,359
Speaker 2: all not real. It wasn't authentic because if it was,

550
00:28:17,440 --> 00:28:19,119
Speaker 2: they would have followed up with you, they would have

551
00:28:19,160 --> 00:28:22,200
Speaker 2: cared about you. So not everything you lose is a loss,

552
00:28:22,280 --> 00:28:23,040
Speaker 2: my friend.

553
00:28:23,400 --> 00:28:24,600
Speaker 5: Oh that's so true.

554
00:28:25,040 --> 00:28:27,840
Speaker 2: All right. Shifting back to your partner, that is just

555
00:28:27,880 --> 00:28:32,760
Speaker 2: a blow that nobody ever needs, especially going through what

556
00:28:32,800 --> 00:28:37,479
Speaker 2: you're going through. I genuinely just cannot imagine. But to

557
00:28:37,520 --> 00:28:40,400
Speaker 2: add insult to injury, you're also now having to deal

558
00:28:40,480 --> 00:28:43,520
Speaker 2: with the will and the estate planning process. You mentioned

559
00:28:43,600 --> 00:28:47,680
Speaker 2: before that his will was outdated. What does that process

560
00:28:47,720 --> 00:28:50,880
Speaker 2: look like for you now and how are you dealing

561
00:28:50,920 --> 00:28:51,200
Speaker 2: with that?

562
00:28:52,040 --> 00:28:56,000
Speaker 6: So my partner, he was previously married and he has kids,

563
00:28:56,000 --> 00:29:00,440
Speaker 6: sick his ex wife, and at some stage previously.

564
00:29:00,360 --> 00:29:02,760
Speaker 5: You know, before me, there was a will.

565
00:29:02,560 --> 00:29:07,200
Speaker 6: Written and it is signed, and it's somewhere, but we

566
00:29:07,240 --> 00:29:10,720
Speaker 6: don't know where. He was in the process of rewriting

567
00:29:10,760 --> 00:29:13,360
Speaker 6: a new will and had written up a document which

568
00:29:13,360 --> 00:29:18,520
Speaker 6: he'd sent to a solicitor, and when she sent the

569
00:29:18,600 --> 00:29:20,560
Speaker 6: draft back was actually the day that he went back

570
00:29:20,600 --> 00:29:23,960
Speaker 6: into the hospital for the final time, and by the

571
00:29:24,000 --> 00:29:26,320
Speaker 6: time I got in to see him, he was so

572
00:29:26,680 --> 00:29:29,080
Speaker 6: doped up on morphine and drugs that he wasn't able

573
00:29:29,120 --> 00:29:33,040
Speaker 6: to sign it. So I contacted the solicitor and I said, listen,

574
00:29:33,080 --> 00:29:34,840
Speaker 6: I'm really sorry, we won't be able to do this.

575
00:29:35,400 --> 00:29:37,640
Speaker 5: She said, that's fine, because we have this document.

576
00:29:38,280 --> 00:29:41,440
Speaker 6: We may be able to just run it like as

577
00:29:41,480 --> 00:29:44,920
Speaker 6: per usual because it's a document that he's written.

578
00:29:45,120 --> 00:29:45,360
Speaker 2: Yep.

579
00:29:45,760 --> 00:29:47,360
Speaker 5: Anyway, so he passed away.

580
00:29:47,840 --> 00:29:52,239
Speaker 6: I contacted the solicitor to start the whole process, and

581
00:29:52,880 --> 00:29:55,560
Speaker 6: she basically came back and said to me, she said, oh,

582
00:29:56,000 --> 00:29:58,040
Speaker 6: that document, we've had another look at it and it's

583
00:29:58,080 --> 00:30:00,320
Speaker 6: probably not quite as water tight as it needs to be.

584
00:30:00,480 --> 00:30:02,360
Speaker 6: She said, we need to make attempts to try and

585
00:30:02,400 --> 00:30:06,320
Speaker 6: find the old will, and if we find it, then

586
00:30:06,440 --> 00:30:09,200
Speaker 6: you're basically going to have to go to court and

587
00:30:09,240 --> 00:30:11,880
Speaker 6: we're going to have to contest it to bring this

588
00:30:12,000 --> 00:30:13,040
Speaker 6: new will into play.

589
00:30:13,600 --> 00:30:17,760
Speaker 2: Ah and all because of a signature.

590
00:30:18,040 --> 00:30:21,960
Speaker 6: Yes, and then also a lot of things that you know,

591
00:30:22,040 --> 00:30:25,400
Speaker 6: sometimes you don't know until you've been through it. So

592
00:30:26,560 --> 00:30:31,080
Speaker 6: his kids are eighteen and twenty two, and in the

593
00:30:31,200 --> 00:30:34,719
Speaker 6: document that he wrote up he had requested that they

594
00:30:34,720 --> 00:30:37,320
Speaker 6: don't get the money until they're twenty five, but he

595
00:30:37,400 --> 00:30:39,959
Speaker 6: hadn't set up any trusts or anything like that. And

596
00:30:40,000 --> 00:30:45,320
Speaker 6: also the money his life insurance had beneficiaries listed, which

597
00:30:45,360 --> 00:30:48,360
Speaker 6: were the two kids, and I think he thought that

598
00:30:48,360 --> 00:30:51,320
Speaker 6: that would just automatically pay out the house and the

599
00:30:51,360 --> 00:30:53,600
Speaker 6: car loan and then go into.

600
00:30:53,480 --> 00:30:55,040
Speaker 5: The estate and then be divvied up.

601
00:30:55,080 --> 00:30:58,080
Speaker 6: And that's not how it works. The same sort of

602
00:30:58,120 --> 00:31:02,080
Speaker 6: thing for his superin stuff like that. And then you know,

603
00:31:02,200 --> 00:31:07,040
Speaker 6: so it's all a lot of waiting around and my

604
00:31:07,280 --> 00:31:10,680
Speaker 6: signature here and a signature there, and filling in this document.

605
00:31:10,800 --> 00:31:15,520
Speaker 6: So it is a bit of a nightmare. And I

606
00:31:15,520 --> 00:31:18,760
Speaker 6: implore people to just get a.

607
00:31:18,680 --> 00:31:21,840
Speaker 2: Will agreed, and get a good one, because, as you're

608
00:31:21,840 --> 00:31:25,000
Speaker 2: finding out now, just having a will doesn't mean it

609
00:31:25,040 --> 00:31:27,320
Speaker 2: will be facilitated in the way you want it to

610
00:31:27,360 --> 00:31:31,160
Speaker 2: be facilitated. So the example you just gave before, you

611
00:31:31,240 --> 00:31:33,560
Speaker 2: said that there are beneficiaries on his insurance and he's

612
00:31:33,600 --> 00:31:36,400
Speaker 2: super and he assumed that maybe it would pay off

613
00:31:36,440 --> 00:31:39,520
Speaker 2: the house and car and then be divvied up. Unfortunately,

614
00:31:39,600 --> 00:31:41,760
Speaker 2: for that to happen, it would have had to nominate

615
00:31:41,800 --> 00:31:46,080
Speaker 2: the estate first and then have a will that supports that.

616
00:31:46,080 --> 00:31:48,840
Speaker 2: That means that it would be divvied up after whatever

617
00:31:48,960 --> 00:31:51,040
Speaker 2: is left over, after getting rid of any debt and

618
00:31:51,080 --> 00:31:54,440
Speaker 2: making sure that everything's good. But that's something that you know,

619
00:31:54,800 --> 00:31:58,120
Speaker 2: the average person isn't going to know or even know

620
00:31:58,280 --> 00:32:01,840
Speaker 2: how to facilitate. One of the most important things that

621
00:32:01,880 --> 00:32:04,160
Speaker 2: you can do for your family is talk to a

622
00:32:04,240 --> 00:32:07,280
Speaker 2: wills and estate planning lawyer and just get it drawn up.

623
00:32:07,480 --> 00:32:10,160
Speaker 2: Like as much as it's not something we want to

624
00:32:10,200 --> 00:32:12,960
Speaker 2: talk about, like it is really morbid, right, Like it's

625
00:32:13,000 --> 00:32:16,600
Speaker 2: not something that anybody wants to face, Like facing your

626
00:32:16,640 --> 00:32:21,080
Speaker 2: o immortality is not a nice conversation, but being able

627
00:32:21,120 --> 00:32:24,000
Speaker 2: to have that conversation while that person is still there

628
00:32:24,760 --> 00:32:27,960
Speaker 2: is not only very constructive and puts everyone in a

629
00:32:28,000 --> 00:32:33,560
Speaker 2: better position long term, but also costs everybody far less

630
00:32:33,640 --> 00:32:35,880
Speaker 2: money because at the moment you'd be going back and

631
00:32:35,920 --> 00:32:38,160
Speaker 2: forth with a solicitor and you know, making sure that

632
00:32:38,240 --> 00:32:40,920
Speaker 2: everything's paid for, and to go to court costs money,

633
00:32:41,120 --> 00:32:44,800
Speaker 2: whereas a good estate plan can cost anywhere between one

634
00:32:44,840 --> 00:32:47,960
Speaker 2: thousand and you know, three thousand dollars depending on who

635
00:32:48,000 --> 00:32:49,719
Speaker 2: you go through and what that looks like and what

636
00:32:49,760 --> 00:32:53,400
Speaker 2: your structure looks like. And obviously that's just my experience

637
00:32:53,440 --> 00:32:56,000
Speaker 2: as a financial advisor who does work quite closely with

638
00:32:56,040 --> 00:32:59,440
Speaker 2: the state planning lawyers. But I just go, that's an

639
00:32:59,480 --> 00:33:02,360
Speaker 2: investment that you make for your future and for your family.

640
00:33:02,480 --> 00:33:05,120
Speaker 2: Like you don't get a will for you, you get

641
00:33:05,120 --> 00:33:07,440
Speaker 2: a will for your family to not have to go

642
00:33:07,520 --> 00:33:10,120
Speaker 2: through the circumstances that you're going through at the moment,

643
00:33:10,200 --> 00:33:14,720
Speaker 2: because it's a headache and it's painful, and we want

644
00:33:14,760 --> 00:33:18,000
Speaker 2: time to grieve the loss of this beautiful person, not

645
00:33:18,720 --> 00:33:21,840
Speaker 2: have to chase up paperwork and you know, consistently be

646
00:33:21,960 --> 00:33:25,200
Speaker 2: asked questions in such a clinical manner like, let's use

647
00:33:25,200 --> 00:33:28,400
Speaker 2: that time far more effectively. So I'm so sorry that

648
00:33:28,480 --> 00:33:31,920
Speaker 2: you're going through that. It honestly breaks my heart to

649
00:33:31,960 --> 00:33:35,280
Speaker 2: think that someone in our community is just having a

650
00:33:35,320 --> 00:33:40,239
Speaker 2: shitty time, like honestly, like calling out what it is.

651
00:33:40,280 --> 00:33:43,720
Speaker 2: It's just terrible. I'm honestly it breaks my heart. But

652
00:33:44,560 --> 00:33:47,440
Speaker 2: the next question I do have is how can we

653
00:33:47,520 --> 00:33:49,800
Speaker 2: support you as she's on the money, Like, what can

654
00:33:49,880 --> 00:33:52,640
Speaker 2: we do? How can you know she's on the money

655
00:33:52,680 --> 00:33:56,160
Speaker 2: support you and people like you going through these circumstances?

656
00:33:56,560 --> 00:33:57,720
Speaker 2: Is it about you going all right?

657
00:33:57,760 --> 00:33:57,960
Speaker 1: Well?

658
00:33:58,560 --> 00:34:01,000
Speaker 2: I just want everyone to get will and their estate

659
00:34:01,040 --> 00:34:03,520
Speaker 2: plans sorted. I just want, you know, people to reach

660
00:34:03,560 --> 00:34:06,480
Speaker 2: out more or how do we want to approach that conversation?

661
00:34:06,640 --> 00:34:09,560
Speaker 2: Because sometimes you know, I'm sure that a lot of

662
00:34:09,600 --> 00:34:12,520
Speaker 2: people in your life just don't know how to start

663
00:34:12,560 --> 00:34:15,520
Speaker 2: the conversation. They're just like I don't know how to

664
00:34:15,600 --> 00:34:17,879
Speaker 2: even talk to her because she's been through so much

665
00:34:17,920 --> 00:34:19,920
Speaker 2: and we don't want to offend or upset her. Like

666
00:34:20,200 --> 00:34:20,799
Speaker 2: what do we do?

667
00:34:21,480 --> 00:34:21,920
Speaker 5: I don't know.

668
00:34:23,200 --> 00:34:26,080
Speaker 6: No, I'm pretty open and honest about everything. And like

669
00:34:26,160 --> 00:34:29,719
Speaker 6: I said earlier, like that's probably the first question I

670
00:34:29,760 --> 00:34:31,759
Speaker 6: asked most people when I see them, as have you

671
00:34:31,800 --> 00:34:34,719
Speaker 6: got a will? And they love that. I go on

672
00:34:34,760 --> 00:34:36,880
Speaker 6: and say if you don't have a will, like I

673
00:34:36,960 --> 00:34:39,680
Speaker 6: will slap you. And like you said, you know you

674
00:34:39,680 --> 00:34:42,359
Speaker 6: don't get a will for yourself? You write that will

675
00:34:42,400 --> 00:34:45,440
Speaker 6: for the people that you love and it's your legacy.

676
00:34:46,160 --> 00:34:48,240
Speaker 2: Legacy is a beautiful way of putting it as well.

677
00:34:48,680 --> 00:34:52,680
Speaker 6: Yeah, just do it like because otherwise nothing that you

678
00:34:52,760 --> 00:34:55,800
Speaker 6: want or nothing that you expected is going to happen.

679
00:34:56,040 --> 00:34:58,120
Speaker 4: And if you do want to learn more about wills,

680
00:34:58,160 --> 00:35:00,239
Speaker 4: we did do a full episode on them and why

681
00:35:00,280 --> 00:35:03,319
Speaker 4: they are so important because money direst We are very

682
00:35:03,600 --> 00:35:06,960
Speaker 4: very aligned on that viewpoint with you. But thank you

683
00:35:07,040 --> 00:35:10,000
Speaker 4: so much for being so candid with us. I think

684
00:35:10,080 --> 00:35:14,320
Speaker 4: that what you have been through is nothing short of horrific,

685
00:35:14,480 --> 00:35:17,359
Speaker 4: but there are lots of people who will be able

686
00:35:17,400 --> 00:35:19,319
Speaker 4: to relate to elements of it, and if you are

687
00:35:19,320 --> 00:35:21,520
Speaker 4: going through something really difficult, we will have a link

688
00:35:21,560 --> 00:35:24,080
Speaker 4: in the show notes to Beyond Blue. They are fantastic

689
00:35:24,200 --> 00:35:27,920
Speaker 4: free not for profit that work really closely with people

690
00:35:27,960 --> 00:35:30,920
Speaker 4: in the mental health space. Because, like we said earlier,

691
00:35:31,000 --> 00:35:35,120
Speaker 4: your mental health is so important and I am so

692
00:35:35,160 --> 00:35:38,640
Speaker 4: supportive of people taking it seriously and giving it the

693
00:35:38,719 --> 00:35:40,920
Speaker 4: attention that it absolutely deserves.

694
00:35:41,640 --> 00:35:43,440
Speaker 5: Thanks so much for having me, guys.

695
00:35:43,360 --> 00:35:45,680
Speaker 2: No, thank you for being so generous with your time

696
00:35:45,760 --> 00:35:48,720
Speaker 2: and with your story. I'm always very grateful to share

697
00:35:49,160 --> 00:35:52,440
Speaker 2: stories with our community, but yours especially I think is

698
00:35:52,480 --> 00:35:55,200
Speaker 2: going to impact a lot of people. And I know

699
00:35:55,800 --> 00:35:58,080
Speaker 2: that you have everyone in the Shoes on the Money

700
00:35:58,080 --> 00:36:01,000
Speaker 2: community behind you, like I know who everyone is listening

701
00:36:01,040 --> 00:36:03,040
Speaker 2: at the moment going oh my gosh, she needs to

702
00:36:03,080 --> 00:36:06,320
Speaker 2: be so kind to herself, Like what a beautiful human.

703
00:36:06,480 --> 00:36:08,799
Speaker 2: So thank you for one being in our community and

704
00:36:08,800 --> 00:36:09,880
Speaker 2: too sharing your story.

705
00:36:09,960 --> 00:36:13,759
Speaker 6: I'm just so grateful, thanks so much, really appreciate.

706
00:36:13,280 --> 00:36:14,160
Speaker 5: It, Jess.

707
00:36:14,160 --> 00:36:16,440
Speaker 2: Now can you wrap the boring but important stuff?

708
00:36:16,520 --> 00:36:19,480
Speaker 4: Of course, don't forget guys, the advice shared on She's

709
00:36:19,480 --> 00:36:21,440
Speaker 4: on the Money is general in nature and does not

710
00:36:21,560 --> 00:36:25,360
Speaker 4: consider your individual circumstances. She's on the Money exists purely

711
00:36:25,400 --> 00:36:28,200
Speaker 4: for educational purposes and should not be relied upon to

712
00:36:28,239 --> 00:36:31,440
Speaker 4: make an investment or a financial decision. And we promise

713
00:36:31,560 --> 00:36:34,640
Speaker 4: Victoria Divine and She's on the Money are authorized representatives

714
00:36:34,640 --> 00:36:38,880
Speaker 4: of Infocused Securities Australia Proprietary Limited ABN four seven oh

715
00:36:39,000 --> 00:36:42,520
Speaker 4: nine seven seven nine seven fort nine AFSL two three

716
00:36:42,600 --> 00:36:43,680
Speaker 4: six five two three.

717
00:36:43,880 --> 00:36:45,160
Speaker 2: See you on Wednesday, guys.

718
00:36:45,239 --> 00:36:47,520
Speaker 4: Bye,