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Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations

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Speaker 1: woman and I'm here to acknowledge country t Glenn Young

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Speaker 1: Ganya Niana, kaka ya Ya bin Ahaka nian Ar gay

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Speaker 1: In Mbina yakarum jar doumayama Umagahawakaman damon imlan Wumba bang

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Speaker 1: Gadabomba in and now in wakah ghana on yakraum jar Watnadaa. Hello,

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Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.

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Speaker 1: We thank acknowledge and respect the Aberiginal people's land that

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Speaker 1: we're gathering on today. Take pleasure in all the land

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Speaker 1: and respect all that you see. She's on the Money

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Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,

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Speaker 1: knowledge and resources for you to thrive.

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Speaker 2: She's on the Money. She's on the Money.

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Speaker 3: Hello, and welcome to Black Friday.

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Speaker 4: I mean, she's on the Money, the podcast that makes

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Speaker 4: personal finance fun, especially on Fridays. It is our favorite

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Speaker 4: day of the week because we get you and our

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Speaker 4: little team together and we get to celebrate our community.

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Speaker 4: Miss Jess Gildery she's here and she's sharing our favorite

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Speaker 4: money wins. Miss Beck say ed has a number of

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Speaker 4: different broke tips that she guarantees me are not stolen

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Speaker 4: from miss This week, we're going to be helping to

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Speaker 4: answer a money dilemma that's all about what to do

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Speaker 4: with the spare money after paying off a loan it's

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Speaker 4: not spare money, but okay, and something that you slid

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Speaker 4: into our dms about how do you handle a partner

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Speaker 4: who's currently knees deep in crypto talk.

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Speaker 3: Oh, I think that's gonna be really funny.

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Speaker 4: But before we get there, because we're quite self absorbed,

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Speaker 4: would you like to hear a five star review to

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Speaker 4: set the tone?

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Speaker 5: Yes?

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Speaker 4: Lead all right, so this one is from Morgan, and

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Speaker 4: Morgan says, I've been an avid listener of this podcast

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Speaker 4: for over five years.

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Speaker 5: Wow.

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Speaker 4: Does that not blow your mind that we've been doing

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Speaker 4: this small than five years? Yeah, I want to talk

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Speaker 4: about how much old around No g. I just want

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Speaker 4: to say a huge thank you to Victoria jesse Beck

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Speaker 4: and the whole She's on the.

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Speaker 3: Money team for completely transforming my money mindset.

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Speaker 4: I went from six thousand dollars in debt after a

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Speaker 4: Mexico troop with zero savings to having get this sit

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Speaker 4: down over fifty thousand dollars invested in ATFS under superbalance,

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Speaker 4: well above the average for my age thanks to your advice.

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Speaker 5: Oh my god.

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Speaker 4: I grew up with an abundance mindset and never felt

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Speaker 4: I went without.

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Speaker 3: But I saw the other side through my dad.

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Speaker 4: Now tens of thousands of dollars in credit card debt,

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Speaker 4: who was forced to sell his fancy luxury car and

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Speaker 4: move in with his ninety six year old mum with

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Speaker 4: nothing to his name.

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Speaker 3: That really hit hard.

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Speaker 4: Thanks to your podcast, I now truly value the importance

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Speaker 4: of looking after future me. You've changed my life and

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Speaker 4: I will be a loyal listener forever. It literally is

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Speaker 4: the highlight of my week. Love Morgan, Oh my god,

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Speaker 4: that's a.

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Speaker 3: Really beautiful Sorry, fifty thousand dollars.

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Speaker 6: I know, that's incredible.

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Speaker 3: What do you mean.

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Speaker 4: I'm so excited for you, but just so proud that

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Speaker 4: you're in our little community and you're like, I'm not leaving.

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Speaker 7: Yeah, thanks for hanging around more money.

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Speaker 3: To give me some advice, I think, Morgan, what a

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Speaker 3: little icon. No, and you're on the right track. You've

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Speaker 3: started dishing out your own advice. We don't even need it.

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Speaker 6: Well, you know, that's just me give my two cents

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Speaker 6: where it's not needed.

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Speaker 4: No, we love it, always, always, and we'll get your

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Speaker 4: broke tips in a hot second. But before we get

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Speaker 4: to your advice and your tips and your tricks and

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Speaker 4: your broke stuff, Beck, would you like to hear the

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Speaker 4: question of the week? Yeah, yes, please, I'm excited because

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Speaker 4: it is definitely now time for our favorite part of

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Speaker 4: the Friday Drinks episode, where you guys get to ask

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Speaker 4: us one question that you are dying to know. It

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Speaker 4: can be literally about anything, even this one that is

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Speaker 4: I guess perfect for Black Friday, which is today. From Emily,

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Speaker 4: who has asked what is on your fun wish list

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Speaker 4: this week?

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Speaker 3: Team?

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Speaker 5: I think everyone knows what's already. I haven't shut up

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Speaker 5: about it.

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Speaker 6: What is it?

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Speaker 5: I really want the ninja creamy she really wants.

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Speaker 3: We didn't worry that you give me.

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Speaker 5: I'm keeping an eye out.

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Speaker 7: I tell you what that's been on my list, and

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Speaker 7: I'm the hunting for the best you.

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Speaker 8: It was so fun to do, like you know those

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Speaker 8: old school pizza hut I have the soft self serve

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Speaker 8: bar well.

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Speaker 7: Victoria has one and making all kinds of really fun

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Speaker 7: things with it.

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Speaker 4: I would just like to point out, and I feel

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Speaker 4: like it's important that I pointed out to you that

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Speaker 4: that was gifted to me from Ninja. Yes, I didn't

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Speaker 4: purchase it, it was on my wish list and Jess's

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Speaker 4: wish list and then they were like, we've sent it

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Speaker 4: to you and I felt spoiled.

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Speaker 3: But guys, we have yourt at home now.

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Speaker 6: That's so cool.

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Speaker 3: It's on my wish list too. If Ninja's listening, sorry,

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Speaker 3: we're not that deep.

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Speaker 7: If I'm trying to God deal us any of the link,

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Speaker 7: thank you, Thank you so much.

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Speaker 5: What's on your wish list?

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Speaker 8: Look, I know it's so silly because it's a wish list,

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Speaker 8: it's essentials list, babs. But I'm not like I because

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Speaker 8: personally I'm not like I don't really care about things,

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Speaker 8: but I always want to buy my girlfriend things. And

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Speaker 8: there's so many things on her wish lists that are

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Speaker 8: also in mind color laid law pants. I don't know

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Speaker 8: if anyone is familiar. It's like a Melbourne artist. I

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Speaker 8: didn't know if she's doing Black Friday please she is, well,

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Speaker 8: I'm well sure she has to go check coffee machine.

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Speaker 8: She wants a coffee machine. God, she wants so many things.

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Speaker 8: So these I think things that make life more convenient

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Speaker 8: on the wish list, but for myself personally, honestly, probably

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Speaker 8: just like new Google Pixel ten Pro Excel, just quick

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Speaker 8: and easy, thousand dollars.

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Speaker 5: And I feel like stuff like that doesn't really go

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Speaker 5: on Black Friday.

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Speaker 8: It's sad anyway. If it does, it's like it's nineteen dollars. Yeah,

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Speaker 8: it's still there expensive, So nothing crazy for Mesh.

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Speaker 3: I've actually just opened my list.

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Speaker 4: I have a note section in my app and I

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Speaker 4: have to put all of the stuff in there, so

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Speaker 4: it's not just one thing. I'll just read you out

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Speaker 4: my list of things that I've decided I want. These

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Speaker 4: are just wants. I will probably forget about these things.

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Speaker 4: But I did laugh because they're also just I don't know,

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Speaker 4: not over consumption y, but like I'm clearly very easily

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Speaker 4: influenced by the Internet, and that's what my list is

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Speaker 4: telling me. So the first thing on my wish list

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Speaker 4: are the Baraler wrist weights.

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Speaker 5: Oh yes, made you beautiful there.

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Speaker 4: So I'm going to put them on my Christmas list

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Speaker 4: because I just think that I would use them, and like,

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Speaker 4: I don't know, ankle weights or like wrist waits.

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Speaker 3: I just think that's really cool.

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Speaker 4: And I'm being influenced by these girls doing the arm

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Speaker 4: workouts on TikTok for their weddings. I'm not getting married,

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Speaker 4: but like their arms look good. The next thing I

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Speaker 4: have is I really want another rainbow bracelet. So I'm

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Speaker 4: not wearing it today, but I usually wear a rainbow bracelet,

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Speaker 4: but it is made of ceramic and I have been

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Speaker 4: chipping it and so I don't know what that bracelet

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Speaker 4: is going to look like. But I told my husband, like, oh,

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Speaker 4: I think I want a rainbow bracelet for Christmas that

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Speaker 4: I could wear every day without it getting damaged.

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Speaker 3: I really want. This is so lame. I really want

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Speaker 3: the pottery barn candy cane shaped cushion for Christmas.

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Speaker 8: Cool.

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Speaker 5: I've been keeping my eye at it for you too.

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Speaker 3: Yep, that's really lame.

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Speaker 4: And the other thing that is on my list, which

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Speaker 4: I think is a bougie thing, is the Mason Balzac balsamic,

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Speaker 4: like the Bolsamic oil or the Bolsamic bottle. Yeah, because

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Speaker 4: I have the olive oil bottle from them, and then

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Speaker 4: for my birthday, I was gifted the chili oil bottle

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Speaker 4: and they've just come out with a balsamic bottle?

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Speaker 5: What is this like dark.

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Speaker 3: Dark brown or like a dark red kind of olive

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Speaker 3: on the outside, similar to my green olive bottle.

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Speaker 4: And it's slightly small. And I just thought the three

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Speaker 4: of them sitted nests from my kitchen. But that is

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Speaker 4: currently what is on my little wish list. Whether I

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Speaker 4: end up getting them or not even bothering, that's what

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Speaker 4: I'll be referring to. Gorgeous come like Christmas time, I think, yes,

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Speaker 4: we'd like a bottle for my balsamic. Can I also

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Speaker 4: have a wrist weight?

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Speaker 5: Some question? I liked that one.

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Speaker 6: Yeah, I like that one.

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Speaker 3: Yeah, it's like a wish list, but I think that

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Speaker 3: it's smart to keep it like a written list, a

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Speaker 3: physical yes.

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Speaker 4: And if anyone ever asks me, like my husband, what

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Speaker 4: do you want for Christmas? I can be like, look,

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Speaker 4: here's a list of things that I've been looking at

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Speaker 4: that I would feel spoilt if I got, but are

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Speaker 4: also non essentials, because I feel like the older you get,

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Speaker 4: the longer you've been married, the more I'm like, you

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Speaker 4: really should get another robo back for the house. It's

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Speaker 4: like that our joint Christmas present. And so these are

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Speaker 4: things that are exclusively for.

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Speaker 5: Me, as they should be exactly Soluly.

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Speaker 4: Now, would you guys like to hear Jesse cheese, money,

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Speaker 4: wins and confessions from the community, please.

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Speaker 7: I hope everyone in the car is yelling yes right

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Speaker 7: now because they're Firstly, this week got money in from Claire.

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Speaker 7: She said money and hyperactive adhd win. She went down

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Speaker 7: a Bunnings DIY tutorial rabbit hole and saved herself multiple

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Speaker 7: thousands of dollars based on earlier quotes she'd received by

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Speaker 7: building herself an internal non weight bearing wall, which basically

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Speaker 7: gave her an extra bedroom in her core. She also

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Speaker 7: made an installed new kitchen.

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Speaker 5: Bench shops as well.

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Speaker 7: She the only downside is she's now become obsessed with

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Speaker 7: power tools and has a list of ones that she

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Speaker 7: would like to add to her collection, and has managed

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Speaker 7: to almost sand off her fingernails a couple of times.

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Speaker 7: Gorgeous Little DII moment incredible. Next, I've got eight money

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Speaker 7: went from Christy, who said her grocery order got canceled

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Speaker 7: last minute due to her blackout, so they gave her

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Speaker 7: a forty dollars bonus.

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Speaker 5: For the inconvenience.

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Speaker 7: She wasn't in a rush, so she just reordered it

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Speaker 7: for the next day, used her monthly ten percent off,

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Speaker 7: and then got.

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Speaker 5: Forty bucks off as well.

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Speaker 6: Beautiful.

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Speaker 7: Next from Hayley, she said she welcomed her second baby,

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Speaker 7: another boy, with a birthday five days after his brothers.

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Speaker 5: Oh cute, congratulations.

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Speaker 4: So when it's not on the same day, like I'd

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Speaker 4: be so anxious that the kids would have to share.

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Speaker 7: Literally, But the money win is she's got no need

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Speaker 7: to buy a whole new set of clothes because it's

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Speaker 7: the same gender in time.

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Speaker 3: If oh, that is the dream, how do I plan

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Speaker 3: that for me?

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Speaker 5: My congratulations Haley.

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Speaker 7: Next, I've got money win from Dana, who said she

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Speaker 7: went to check how much wrapping paper, gift bags, name tags,

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Speaker 7: et cetera. She had because she's starting to prep her

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Speaker 7: Christmas budget. Well done, queen. She went into the cupboards

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Speaker 7: and found four rolls of half used wrapping paper, one

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Speaker 7: of them which was brand you not even used, five

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Speaker 7: packs of name tags, five gift bags, a bunch of

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Speaker 7: ribbon bows, and tissue paper. She said her Christmas wrapping

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Speaker 7: is all sorted for this year and probably next year

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Speaker 7: as well, and I just want to remind everyone I

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Speaker 7: feel like these are the things that we shov in

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Speaker 7: our cubin and forget about. You probably have wrapping paper

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Speaker 7: at home, so go looking for it now so you

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Speaker 7: know if she'll last men at a Christmas scram.

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Speaker 4: Or you could do the Victoria Devine special and just

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Speaker 4: buy the big roll of brown craft paper from office works.

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Speaker 4: You get like thirty meters I think for maybe twelve dollars. Brilliant,

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Speaker 4: and that is my wrapping paper.

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Speaker 9: Yeah.

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Speaker 4: Sometimes I'll draw cute designs on the outside and then

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Speaker 4: wrap it. Sometimes I'll use different bows. But like you

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Speaker 4: get a present from me, probably in brown wrapping paper, and.

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Speaker 5: It looks so beautiful.

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Speaker 8: You could use any thing as wrapping paper too, you

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Speaker 8: literally can I need to be prepared formally?

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Speaker 4: Yeah, true, I just feel I need to be prepared.

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Speaker 4: But that's okay, Yes.

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Speaker 5: I'm the same.

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Speaker 7: And then last of this week, I've got a money

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Speaker 7: in form Niche She said they're buying cotton, wool, linen,

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Speaker 7: hemp and natural materials only now, so they're getting rid

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Speaker 7: of all of the polyester and stuff in their closet.

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Speaker 7: And they found a bunch of one hundred percent cotton

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Speaker 7: tops at Best and Less for six dollars.

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Speaker 5: And a couple of them were even down to two bucks.

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Speaker 4: I will say, I've been looking for one hundred percent

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Speaker 4: like organic active wear.

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Speaker 5: I've never thought about that.

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Speaker 3: I can't find it. Yeah, like one hundred percent cotton

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Speaker 3: or like whatever.

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Speaker 5: I wonder if that's for the moisture wicked.

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Speaker 4: It totally yes, And the more I got into it,

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Speaker 4: I was like, oh, I want their gings that you

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Speaker 4: know are better for me.

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Speaker 3: Can't find it.

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Speaker 4: So if anybody knows, please slide into my DMS, because yeah,

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Speaker 4: but you're gonna work.

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Speaker 3: Out in linen. You know what I mean.

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Speaker 4: It's it's not just clothing, it's like active where specifically

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Speaker 4: because a lot of them are like polyester or like

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Speaker 4: lycra or whatever. Anyway, I don't know much about much,

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Speaker 4: but I do know that I wasn't successful in my quest.

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Speaker 6: She knows much about that.

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Speaker 3: Miss Beck say ed, what have you got when it

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Speaker 3: comes to broke tips?

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Speaker 8: Okay, So this first one comes from Krly, who says,

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Speaker 8: every time I'm using one of those sheet base masks,

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Speaker 8: I always keep the leftover seerum and use it two

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Speaker 8: or three more times.

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Speaker 6: But even dunk the mask back in, it's just been

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Speaker 6: on your face.

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Speaker 4: So we foster Blake said that because she has like

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Speaker 4: with go to make sure that you don't waste the

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Speaker 4: serum in the bottom of the thing. So whenever I

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Speaker 4: finish a sheet mask, now I like dip my fingers

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Speaker 4: in and like make sure I rubb all the serum in.

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Speaker 6: Totally.

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Speaker 8: You could just get like even I know what those

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Speaker 8: masks are made out of, you could get something similar.

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Speaker 7: You can buy silicon ones from some slices, easy to clean,

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Speaker 7: and then you put it in whatever leftover serum you have.

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Speaker 3: It's slightly lazy, so I will be just using my

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Speaker 3: fingers until the serum is not in the Thank you.

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Speaker 6: Also you also do that.

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Speaker 3: Absolutely, you guys are too crafty.

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Speaker 8: This next one comes from Madison, who says keep cashing

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Speaker 8: your wallet to avoid getting stung by cards surcharges. I

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Speaker 8: saw a surcharge that was nearly five percent recently. I

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Speaker 8: think that's a great idea because you don't have to

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Speaker 8: use it all the time. But if you do find

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Speaker 8: a place that is like really crazy with this surcharges

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Speaker 8: and you're like, well, I've got the cash for that,

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Speaker 8: and then yeah, you don't have to really, that's actually

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Speaker 8: so clever, So thank you medicine.

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Speaker 4: But see, I love that, but I don't think that

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Speaker 4: would work for me as a broke tip because in

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Speaker 4: my head, if I have cash in my wallet, that

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Speaker 4: is free money.

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Speaker 6: Yeah true.

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Speaker 3: I literally go, that's not real. That's cash. Yeah, like

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Speaker 3: that's the dumbest thing in the entire world.

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Speaker 4: But like literally five twenty dollars and then I spend

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Speaker 4: that twenty dollars on lunch. In my head, lunch was free.

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Speaker 4: Do not take financial advice from me always, but that

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Speaker 4: is so much. It is a lot of that's wild.

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Speaker 4: That's taking the mickey.

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Speaker 8: Yeah, you could be spending that twenty dollars on lunch

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Speaker 8: and then also not even realizing you're avoiding seur charge

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Speaker 8: as well. True, So free money and free money. Now

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Speaker 8: this one comes from myself, but also my mum. He

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Speaker 8: always has some kooky things. I do think this one works, though.

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Speaker 8: So she's Becky Beg you gotta put coppery Becky. That's

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Speaker 8: so hard, that's so funny. I know, I guess we haven't.

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Speaker 8: I want to know what you guys get called by

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Speaker 8: your family.

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Speaker 3: Tory.

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Speaker 6: Oh Tory.

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Speaker 3: My whole family called me Tory.

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Speaker 8: I would never ever have thought it's so strange, Like

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Speaker 8: it's strange.

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Speaker 4: I think Jess was like on another planet or something

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Speaker 4: when she met my family and they were.

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Speaker 3: Like, oh, yeah, how's Tory treating you? She's like.

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Speaker 6: Boyfriend.

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Speaker 4: Yeah, because everybody calls me in like my work life

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Speaker 4: and anyone that met me post school it's the wow.

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Speaker 4: And anyone that knows me prior to the end of

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Speaker 4: year twelve or knew me, well it's Tory.

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Speaker 6: That's crazy.

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Speaker 4: Yeah, but it doesn't like it's crazy because in this setting,

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Speaker 4: Tory feels so strange.

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Speaker 5: It does.

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Speaker 3: My dad called me anything other than Tory, I would

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Speaker 3: be like, what are we doing?

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Speaker 8: Yeah, oh my god, that is crazy, it's wild.

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Speaker 5: Oh my god, what about you?

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Speaker 7: I just go by dress everywhere, just easy.

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Speaker 6: Easy, easy.

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Speaker 8: Well I can't even remember how he's not talking about that.

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Speaker 3: But now, what's your mum's tip.

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Speaker 8: Yes, my mom's tip is that she says that if

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Speaker 8: your plants are struggling, or if you're just wanting to

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Speaker 8: I guess like boost or like, you know, help them thrive,

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Speaker 8: you just chuck a bit of copper in the soil.

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Speaker 8: Apparently copper.

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Speaker 5: Yeah, and you can get this.

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Speaker 8: Like two literally, it's two dollars from buddings. You just

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Speaker 8: get like whatever kind of copper. Sometimes you get those

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Speaker 8: little like taps that have four taps, but the copper. Yeah,

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Speaker 8: chuck them in there, whatever thing you find them. Copper

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Speaker 8: doesn't matter what it is for. Put it in the pot,

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Speaker 8: put it in the soil, and your plants will thrive.

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Speaker 5: You go. I my very game one stairs. That's my

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Speaker 5: favorite favor cop.

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Speaker 3: Do you remember the It was on the in joke,

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Speaker 3: it was not in the podcast.

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Speaker 5: You were here.

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Speaker 4: It doesn't mean I was mentally presents. I'm physically present,

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Speaker 4: mentally not here.

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Speaker 7: I was telling beck about my variegated Monsterra and she said,

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Speaker 7: you're very gay, Moe Sterra.

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Speaker 3: I reckon, my monster is gay.

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Speaker 6: She's thriving, very gay.

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Speaker 5: I think every time I think so sweet, I'm going

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Speaker 5: to put some copper in the pot.

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Speaker 3: Report Matt. Yeah, with your very gay one Stera.

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00:16:28,160 --> 00:16:28,480
Speaker 4: Tell her.

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00:16:28,480 --> 00:16:32,920
Speaker 6: I said, hi, And that's all this week.

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Speaker 3: I love that. That is a good place to leave it.

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Speaker 4: Let's go to a really quick break because on the Flips,

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Speaker 4: I'm going to be answering a money dilemma, which is

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Speaker 4: all about what to do with the spare money that

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00:16:41,280 --> 00:16:43,720
Speaker 4: you have after paying off your loan and something you

389
00:16:43,800 --> 00:16:46,280
Speaker 4: slid into our dms about cannot wait for this one?

390
00:16:46,600 --> 00:16:48,640
Speaker 4: How do you handle a partner who's currently deep in

391
00:16:48,720 --> 00:16:51,640
Speaker 4: cryptotok guys, don't go anywhere.

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Speaker 7: Welcome back, everybody. Let's take a listen to this week's

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Speaker 7: money dilemma.

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Speaker 10: Hi, there, have you got a money dilemma you just

395
00:17:03,880 --> 00:17:06,400
Speaker 10: can't solve That. She's on the Money team is here

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00:17:06,440 --> 00:17:09,680
Speaker 10: to help. Every week, we tackle your dilemmas, both big

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Speaker 10: and small, to answer your most burning money, career and

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Speaker 10: life questions. To get involved, simply head to our website

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00:17:15,680 --> 00:17:17,840
Speaker 10: and leave us a short voice recording and you might

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00:17:17,880 --> 00:17:20,439
Speaker 10: just find yourself on the show. Now, let's take a

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Speaker 10: listen to this week's money dilemma.

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Speaker 9: Hi, She's on the money. I'm about to finish off

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00:17:27,200 --> 00:17:30,680
Speaker 9: paying my twenty thousand dollars car loan, and that means

404
00:17:30,680 --> 00:17:32,960
Speaker 9: I'm going to have anywhere from one thousand to fifteen

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00:17:33,040 --> 00:17:37,240
Speaker 9: hundred dollars per week to either save or invest. Now

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Speaker 9: I'm wondering what I should be doing, whether I should

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00:17:39,800 --> 00:17:42,719
Speaker 9: be talking investments or whether I should be keeping it

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Speaker 9: out on the side to start saving for a home.

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Speaker 9: I'm not really sure because both of them are kind

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Speaker 9: of a priority to me.

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Speaker 5: Thank you.

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00:17:50,760 --> 00:17:51,399
Speaker 3: What the heck?

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Speaker 5: A week?

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Speaker 3: A week?

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00:17:53,119 --> 00:17:54,280
Speaker 5: That's crazy?

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Speaker 3: A week, yeah, sh'd say week clearest day. Yeah, but

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Speaker 3: even if that was a month, that would be a lot.

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Speaker 6: That's wild.

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Speaker 4: Was a year, girlfriend, you are going to achieve a

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Speaker 4: lot for thousand dollars a week?

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Speaker 3: Is fifty two thousand dollars a year?

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Speaker 6: Like, yeah, what the heck?

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Speaker 3: In very proud of you.

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Speaker 4: Yeah, that's so you need to work out your priorities

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Speaker 4: because coming to me and saying do I save or invest?

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Speaker 3: I wish I could answer that damn question, But.

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Speaker 4: That actually comes down to your values and your priorities

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Speaker 4: and when you want to achieve these things, because I

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Speaker 4: would actually get in a lot of legal trouble if

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Speaker 4: I told you the answer that I believe.

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Speaker 3: And it's not because.

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Speaker 4: Well obviously, it's because it would be illegal for me

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Speaker 4: to give financial advice without taking into consideration your whole situation.

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Speaker 4: But the problem I have here is you said should

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Speaker 4: I invest or should I be saving for a house?

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00:18:43,280 --> 00:18:45,560
Speaker 4: Both of these things are a priority. I need you

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00:18:45,560 --> 00:18:48,080
Speaker 4: to zoom out. I need you to sit down and

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00:18:48,240 --> 00:18:51,040
Speaker 4: work out. Okay, you've set a home as a priority.

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00:18:51,600 --> 00:18:54,320
Speaker 4: We know how to save for a home. What is

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Speaker 4: your timeline? When did you want to purchase? Do you

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Speaker 4: know how much you want to purchase for? Do you

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Speaker 4: know how much of a house to posit you actually

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Speaker 4: want to have. If you're saying, oh, v I'd love

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Speaker 4: to purchase by the end of the year, that is

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Speaker 4: a different story. Then yeah, a house is a really

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Speaker 4: big priority for me five years from now, because at

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Speaker 4: that point, maybe you're not as aggressively saving for that goal.

448
00:19:14,280 --> 00:19:18,040
Speaker 3: You are splitting the money across two different priorities. Or

449
00:19:18,119 --> 00:19:19,920
Speaker 3: you might say, oh, buying a home.

450
00:19:20,359 --> 00:19:22,720
Speaker 4: I'm you didn't say how old you were, Maybe you

451
00:19:22,720 --> 00:19:24,399
Speaker 4: were nineteen, I don't know, And you go, well, I

452
00:19:24,440 --> 00:19:26,600
Speaker 4: want to own a home by the time I'm thirty,

453
00:19:26,800 --> 00:19:30,000
Speaker 4: And again that's a completely different strategy. Again, so this

454
00:19:30,080 --> 00:19:32,480
Speaker 4: is why I can't answer directly the question of should

455
00:19:32,480 --> 00:19:35,840
Speaker 4: I save or invest? But we can do the maths

456
00:19:36,240 --> 00:19:38,760
Speaker 4: and go, okay, let's look at our values and our priorities.

457
00:19:38,840 --> 00:19:41,199
Speaker 4: But then we can also look at interest rates and

458
00:19:41,320 --> 00:19:44,679
Speaker 4: rate of return on an investment portfolio, Like, you know,

459
00:19:45,000 --> 00:19:47,240
Speaker 4: are you going to get the same returns in property

460
00:19:47,280 --> 00:19:50,280
Speaker 4: as you might in the share market? Literally you are not.

461
00:19:50,960 --> 00:19:53,720
Speaker 4: But returns aren't the only reason we make decisions, are they?

462
00:19:54,440 --> 00:19:57,520
Speaker 4: So Beck, what would you do if you came into

463
00:19:58,000 --> 00:20:00,560
Speaker 4: a one thousand dollars a week and you not allowed

464
00:20:00,560 --> 00:20:03,359
Speaker 4: to blow it, you have to save or invest it.

465
00:20:03,480 --> 00:20:05,400
Speaker 3: How would you personally split that?

466
00:20:05,400 --> 00:20:06,160
Speaker 6: That's crazy?

467
00:20:06,320 --> 00:20:09,639
Speaker 8: I think that because for myself, personally, I would be like,

468
00:20:09,680 --> 00:20:11,879
Speaker 8: I'm going to prioritize house because they just feel like

469
00:20:11,880 --> 00:20:13,800
Speaker 8: they just they're just going up and up and up,

470
00:20:13,960 --> 00:20:15,120
Speaker 8: and there might be a time where.

471
00:20:14,920 --> 00:20:16,760
Speaker 6: They go down and that would be really annoying.

472
00:20:16,840 --> 00:20:18,720
Speaker 8: But I just think I'm like, I want to get

473
00:20:18,720 --> 00:20:21,600
Speaker 8: that done sooner rather than later, and also just like

474
00:20:21,640 --> 00:20:23,159
Speaker 8: have a little place to hang my hat and like

475
00:20:23,200 --> 00:20:25,800
Speaker 8: settle in all that kind of stuff. So I would

476
00:20:25,840 --> 00:20:27,920
Speaker 8: prioritize that, but I would still be doing like because

477
00:20:27,920 --> 00:20:30,560
Speaker 8: you're saying one thousand to like one thousand, five hundred

478
00:20:30,600 --> 00:20:31,160
Speaker 8: per week.

479
00:20:31,040 --> 00:20:31,840
Speaker 3: That's insane to me.

480
00:20:31,920 --> 00:20:34,879
Speaker 4: I just went with the lowest amount because I was like, yeah,

481
00:20:35,119 --> 00:20:36,800
Speaker 4: either way, you are going to be good.

482
00:20:37,040 --> 00:20:39,840
Speaker 8: Absolutely, So I would be doing one thousand dollars in

483
00:20:39,880 --> 00:20:43,080
Speaker 8: a high savings high interest savings account every week and

484
00:20:43,119 --> 00:20:44,960
Speaker 8: then the rest. It's like it could be if it's

485
00:20:45,000 --> 00:20:46,680
Speaker 8: five hundred, as you're saying, or if it's like less

486
00:20:46,680 --> 00:20:49,120
Speaker 8: than five hundred, then I would just put that into

487
00:20:49,480 --> 00:20:50,000
Speaker 8: some like.

488
00:20:50,000 --> 00:20:51,080
Speaker 6: You know, investor somewhere.

489
00:20:51,240 --> 00:20:53,600
Speaker 8: But I think I would be putting majority of that

490
00:20:54,040 --> 00:20:55,359
Speaker 8: in a high interest savings.

491
00:20:55,520 --> 00:20:59,080
Speaker 6: How the end trying to get a house a SAP person,

492
00:20:59,080 --> 00:20:59,640
Speaker 6: I love that.

493
00:21:00,119 --> 00:21:00,439
Speaker 3: Well.

494
00:21:00,600 --> 00:21:02,760
Speaker 4: I don't know if we want Jess's advice because sorry,

495
00:21:02,960 --> 00:21:03,879
Speaker 4: you're not a landowner.

496
00:21:03,920 --> 00:21:04,080
Speaker 5: Now.

497
00:21:04,320 --> 00:21:07,280
Speaker 4: It's not to brag, not a brag, but she's actually

498
00:21:07,280 --> 00:21:08,760
Speaker 4: already achieved that girl.

499
00:21:09,840 --> 00:21:11,800
Speaker 7: No, I'm exactly the same as That's how I did it.

500
00:21:11,880 --> 00:21:13,600
Speaker 7: I was going to say, at one thousand dollars.

501
00:21:13,480 --> 00:21:16,360
Speaker 5: A week, I think you absolutely can probably afford to do.

502
00:21:16,320 --> 00:21:19,400
Speaker 7: Both pending timeline and all of those things that Victoria

503
00:21:19,680 --> 00:21:20,560
Speaker 7: acknowledged before.

504
00:21:20,720 --> 00:21:22,040
Speaker 3: I'm just too conservative, guys.

505
00:21:22,200 --> 00:21:23,520
Speaker 5: Yeah, no, I totally agree.

506
00:21:23,560 --> 00:21:26,320
Speaker 7: But for myself, I did I invested.

507
00:21:26,760 --> 00:21:28,920
Speaker 3: You was still investing, but it wasn't your main priority.

508
00:21:28,960 --> 00:21:31,119
Speaker 4: No, you're just like ticking along making sure that that

509
00:21:31,200 --> 00:21:32,960
Speaker 4: journey didn't drop off the radar.

510
00:21:33,200 --> 00:21:33,520
Speaker 5: Correct.

511
00:21:33,560 --> 00:21:37,760
Speaker 7: I would say I was probably putting seventy percent of

512
00:21:37,800 --> 00:21:42,919
Speaker 7: my spare money into the house deposit, and maybe fifteen

513
00:21:43,119 --> 00:21:45,320
Speaker 7: percent if that to my investment. So it was a

514
00:21:45,359 --> 00:21:47,520
Speaker 7: lot lower than what I'd done previously, but that's because

515
00:21:47,560 --> 00:21:49,800
Speaker 7: my big priority was the house, and that's absolutely made

516
00:21:49,880 --> 00:21:50,280
Speaker 7: sense for.

517
00:21:50,240 --> 00:21:52,080
Speaker 4: Me, and it paid off because you wanted a house

518
00:21:52,359 --> 00:21:55,760
Speaker 4: basically asap, and if it was all in your share portfolio,

519
00:21:56,400 --> 00:21:59,439
Speaker 4: even though there's better return in your share portfolio, you

520
00:21:59,480 --> 00:22:02,240
Speaker 4: sat down and worked out that if you had to

521
00:22:02,240 --> 00:22:04,080
Speaker 4: pull that money out at short notice, you might be

522
00:22:04,119 --> 00:22:06,520
Speaker 4: at a loss because you can never work out what

523
00:22:06,560 --> 00:22:08,120
Speaker 4: the market's going to do in the short.

524
00:22:08,000 --> 00:22:09,479
Speaker 3: Term, only in the long term.

525
00:22:09,800 --> 00:22:12,920
Speaker 4: But I have worked with clients historically who've been like, yeah,

526
00:22:13,000 --> 00:22:16,520
Speaker 4: property is massive priority for me, but in fifteen years

527
00:22:16,600 --> 00:22:18,760
Speaker 4: V like I'm a baby right now, or you know,

528
00:22:18,800 --> 00:22:20,280
Speaker 4: I want to go live in London and I want

529
00:22:20,320 --> 00:22:22,639
Speaker 4: to do this, but like when I've achieved all of

530
00:22:22,680 --> 00:22:25,679
Speaker 4: these other goals or finished UNI, or you know, worked

531
00:22:25,720 --> 00:22:28,320
Speaker 4: out what that life looks like, I want to come

532
00:22:28,400 --> 00:22:30,920
Speaker 4: home to Australia or I want to then be able

533
00:22:30,960 --> 00:22:33,919
Speaker 4: to go okay, cool and make this decision at that age.

534
00:22:34,600 --> 00:22:37,560
Speaker 4: Then they invested the money because they had enough time

535
00:22:37,600 --> 00:22:40,160
Speaker 4: on their side to make the most of the investment world.

536
00:22:40,200 --> 00:22:43,480
Speaker 4: Because I wouldn't ever, ever, ever invest for less than

537
00:22:43,520 --> 00:22:46,960
Speaker 4: ten years. But if they've got more than that, okay,

538
00:22:47,000 --> 00:22:49,000
Speaker 4: well maybe you do put your house to posit into

539
00:22:49,040 --> 00:22:51,160
Speaker 4: that and then in ten years you've got even more

540
00:22:51,160 --> 00:22:54,800
Speaker 4: money to play with. But like, what's the worst that

541
00:22:54,840 --> 00:22:56,719
Speaker 4: could happen in that situation?

542
00:22:57,000 --> 00:22:57,639
Speaker 3: So I don't know.

543
00:22:57,720 --> 00:23:00,800
Speaker 4: I think it's genuinely from my perspective that what are

544
00:23:00,840 --> 00:23:03,040
Speaker 4: your values? That I'm so sorry that I always go

545
00:23:03,160 --> 00:23:06,720
Speaker 4: back to that, But that's why I'm so passionate about

546
00:23:06,760 --> 00:23:08,679
Speaker 4: going do you know your money story?

547
00:23:08,920 --> 00:23:10,920
Speaker 3: Do you know what you actually value?

548
00:23:11,080 --> 00:23:14,160
Speaker 4: Are you actually being driven by what society is expecting

549
00:23:14,200 --> 00:23:15,960
Speaker 4: of you or what you expect of you?

550
00:23:16,240 --> 00:23:17,440
Speaker 3: Do you know the difference?

551
00:23:17,640 --> 00:23:20,480
Speaker 4: And it's not because I'm just a little brat, It's

552
00:23:20,480 --> 00:23:23,639
Speaker 4: because I genuinely go, if you know that you can

553
00:23:23,680 --> 00:23:26,840
Speaker 4: be successful and you can actually start structuring, you don't

554
00:23:26,840 --> 00:23:28,440
Speaker 4: need a financial advisor to tell you.

555
00:23:28,359 --> 00:23:30,920
Speaker 3: That you will know you can be that. Yeh, helf,

556
00:23:31,320 --> 00:23:33,360
Speaker 3: So would you like to talk about crypto?

557
00:23:33,640 --> 00:23:34,320
Speaker 6: I would love to?

558
00:23:34,600 --> 00:23:34,800
Speaker 9: Yes?

559
00:23:34,920 --> 00:23:36,840
Speaker 3: Are you ready? Are you ready? So this is what's

560
00:23:36,840 --> 00:23:39,680
Speaker 3: slid into my DMS this week? Are you ready? Hey,

561
00:23:39,680 --> 00:23:40,400
Speaker 3: she's on the money.

562
00:23:40,480 --> 00:23:43,160
Speaker 4: My partner is deep in crypto talk and it's all

563
00:23:43,440 --> 00:23:45,960
Speaker 4: he talks about lately he used to be really careful

564
00:23:46,000 --> 00:23:48,440
Speaker 4: with money, but now he's chasing every coin.

565
00:23:48,880 --> 00:23:50,920
Speaker 3: Some influencer is just hyping up.

566
00:23:51,320 --> 00:23:54,439
Speaker 4: We've already lost a few thousand dollars and it's starting

567
00:23:54,480 --> 00:23:56,080
Speaker 4: to feel a lot less.

568
00:23:55,840 --> 00:23:58,480
Speaker 3: Like investing and a lot more like gambling.

569
00:23:59,040 --> 00:24:01,879
Speaker 4: What's hard is trying to say for IVF and he

570
00:24:02,040 --> 00:24:03,960
Speaker 4: keeps saying that this is how we're going to fast

571
00:24:04,000 --> 00:24:07,119
Speaker 4: track it. I really get wanting a win, but it

572
00:24:07,200 --> 00:24:10,240
Speaker 4: feels like the exact opposite of what we need right now.

573
00:24:10,640 --> 00:24:13,560
Speaker 4: How do you talk to someone when they're in quotation marks?

574
00:24:13,680 --> 00:24:18,159
Speaker 4: Investment strategy is putting your shared goals at risk, and

575
00:24:19,000 --> 00:24:20,080
Speaker 4: you can go first on this.

576
00:24:20,600 --> 00:24:25,199
Speaker 8: I think it's really hard to say because when you

577
00:24:25,240 --> 00:24:27,400
Speaker 8: are in a place because I personally think I've been

578
00:24:27,440 --> 00:24:30,439
Speaker 8: like in the crypto space before, and I think that

579
00:24:30,520 --> 00:24:33,000
Speaker 8: if you really do believe, we like there's some sort

580
00:24:33,000 --> 00:24:34,879
Speaker 8: of urgency behind you, Like you really do think that

581
00:24:34,880 --> 00:24:36,320
Speaker 8: it's going to take off, We really do think it's

582
00:24:36,320 --> 00:24:38,040
Speaker 8: going to be the next like because we are I

583
00:24:38,040 --> 00:24:39,919
Speaker 8: think I think we all secretly, even if you don't,

584
00:24:40,400 --> 00:24:42,280
Speaker 8: we kind of all secretly wish that we got on

585
00:24:42,320 --> 00:24:44,520
Speaker 8: the bitcoin train when it started.

586
00:24:44,960 --> 00:24:47,520
Speaker 3: And that totally. I think we all want to be rich, right.

587
00:24:47,640 --> 00:24:48,240
Speaker 6: I think that.

588
00:24:48,119 --> 00:24:50,239
Speaker 8: There's like an element of like crypto. It's like that

589
00:24:50,280 --> 00:24:51,720
Speaker 8: could happen again any moments.

590
00:24:51,800 --> 00:24:53,200
Speaker 6: It's like I think when the.

591
00:24:53,359 --> 00:24:55,840
Speaker 3: You could also win Powerable at any moment.

592
00:24:56,040 --> 00:24:58,400
Speaker 5: Could a girl can hope?

593
00:24:58,760 --> 00:25:01,160
Speaker 8: I could just be projecting here because I think that

594
00:25:01,160 --> 00:25:02,400
Speaker 8: that's that's possible.

595
00:25:02,440 --> 00:25:03,600
Speaker 3: Yeah, you could also win Powerball.

596
00:25:03,680 --> 00:25:04,880
Speaker 6: You also could win Powerball.

597
00:25:05,160 --> 00:25:08,639
Speaker 8: It's really hard to change the trajectory of someone's investment

598
00:25:09,359 --> 00:25:15,080
Speaker 8: journey when they really truly believe something. I don't really

599
00:25:15,080 --> 00:25:19,760
Speaker 8: have any solid advice other than communicating and just making

600
00:25:19,880 --> 00:25:20,719
Speaker 8: sure communication.

601
00:25:20,960 --> 00:25:23,320
Speaker 4: I know, I know that you can't bring that up

602
00:25:23,359 --> 00:25:26,760
Speaker 4: this early and early that's true last thing we talk about,

603
00:25:26,800 --> 00:25:27,960
Speaker 4: don't you know that's true?

604
00:25:28,040 --> 00:25:30,800
Speaker 8: But also like just I mean and like you not

605
00:25:30,840 --> 00:25:33,639
Speaker 8: to give any advice at all, but I think.

606
00:25:33,640 --> 00:25:37,000
Speaker 4: I give all your advice actually, because cryptocurrency is not

607
00:25:37,240 --> 00:25:40,840
Speaker 4: a licensed or registered financial product in Australia, which is

608
00:25:40,840 --> 00:25:42,959
Speaker 4: why people can talk anything they want about it.

609
00:25:43,400 --> 00:25:45,000
Speaker 3: Just make you the same about the shed market.

610
00:25:45,080 --> 00:25:45,640
Speaker 6: This makes sense.

611
00:25:45,760 --> 00:25:48,360
Speaker 4: Yeah, and anybody turns out anybody can talk about it, well,

612
00:25:48,359 --> 00:25:49,040
Speaker 4: could you try and.

613
00:25:49,000 --> 00:25:52,280
Speaker 8: Like get them to split. I don't know, like do

614
00:25:52,400 --> 00:25:56,320
Speaker 8: half in going to like the Australian ax that what

615
00:25:56,359 --> 00:25:59,919
Speaker 8: it's called. And I don't know enough about crypto to poopoo,

616
00:26:00,119 --> 00:26:01,640
Speaker 8: but I know that you're very against.

617
00:26:01,359 --> 00:26:04,800
Speaker 4: It, so I, oh, I'm not very against it. Yes

618
00:26:04,840 --> 00:26:07,520
Speaker 4: and no, yes and no. Jess what's your opinion, because

619
00:26:07,560 --> 00:26:10,320
Speaker 4: like I'll give mine after this. You guys know, I'm

620
00:26:10,359 --> 00:26:11,640
Speaker 4: relatively conservative.

621
00:26:12,040 --> 00:26:15,040
Speaker 7: So for me, crypto I don't love because there is

622
00:26:15,040 --> 00:26:17,120
Speaker 7: not a lot of historical data. I find that it's

623
00:26:17,119 --> 00:26:21,720
Speaker 7: a very volatile asset. I also just think that it's

624
00:26:21,840 --> 00:26:25,440
Speaker 7: so hard to It's like an NFT, right, Like it's

625
00:26:25,560 --> 00:26:28,320
Speaker 7: very hard to quantify the tangible value of that type

626
00:26:28,320 --> 00:26:30,720
Speaker 7: of and we saw how that went exactly right as

627
00:26:30,760 --> 00:26:32,800
Speaker 7: compared to a share, where when I'm buying a share,

628
00:26:32,880 --> 00:26:34,960
Speaker 7: there is a company that I can do research on,

629
00:26:35,119 --> 00:26:37,760
Speaker 7: like I'm you know, I know what products they produce, it,

630
00:26:37,840 --> 00:26:40,880
Speaker 7: what services they provide, Whereas more often than not, crypto

631
00:26:41,040 --> 00:26:45,080
Speaker 7: is like this theoretical asset. And that's where I really

632
00:26:45,119 --> 00:26:46,879
Speaker 7: struggle with it, because I go, well, yeah, you can

633
00:26:46,920 --> 00:26:49,720
Speaker 7: say this cryptos worth like a million dollars, but tomorrow

634
00:26:49,760 --> 00:26:52,080
Speaker 7: someone could just turn around just say no, actually, just kidding.

635
00:26:52,119 --> 00:26:55,480
Speaker 7: It's not so I'm not anti crypto, but it's not

636
00:26:55,520 --> 00:26:58,360
Speaker 7: something that I personally choose to invest in. You're totally right,

637
00:26:58,400 --> 00:27:00,000
Speaker 7: Like you can look at bitcoin and all of those

638
00:27:00,040 --> 00:27:03,040
Speaker 7: other things and go ooh, like looking at how that went,

639
00:27:03,160 --> 00:27:04,880
Speaker 7: Like do I wish I bought a bitcoin whene first

640
00:27:04,920 --> 00:27:08,640
Speaker 7: came out? Obviously, but I don't think for me personally

641
00:27:08,680 --> 00:27:11,600
Speaker 7: it's an asset that I would feel comfortable investing in it.

642
00:27:11,640 --> 00:27:13,240
Speaker 7: And to each their own, like we know that Brooke

643
00:27:13,240 --> 00:27:14,800
Speaker 7: holds some of it from her episode.

644
00:27:14,880 --> 00:27:17,760
Speaker 4: I also own part of that ETF, But to be

645
00:27:17,920 --> 00:27:23,199
Speaker 4: very clear, that ETF is an ETF that invests in

646
00:27:23,600 --> 00:27:28,840
Speaker 4: not cryptocurrency, but rather the infrastructure that supports cryptocurrency. So

647
00:27:29,040 --> 00:27:33,040
Speaker 4: if a coin fails, that infrastructure is still there and

648
00:27:33,119 --> 00:27:35,399
Speaker 4: another cryptocurrency would start using it.

649
00:27:35,440 --> 00:27:37,000
Speaker 7: Well, there you are, and see like that sounds like

650
00:27:37,040 --> 00:27:38,800
Speaker 7: something that might be more aligned to me, but to

651
00:27:38,880 --> 00:27:39,639
Speaker 7: everybody's different.

652
00:27:39,800 --> 00:27:41,119
Speaker 4: I just thought it was fun. It's not a very

653
00:27:41,119 --> 00:27:43,960
Speaker 4: big part of my portfolio, but like, at the same time,

654
00:27:44,720 --> 00:27:48,199
Speaker 4: I find this space fun and want to engage in

655
00:27:48,280 --> 00:27:51,120
Speaker 4: like what we call satellite investments, so that I can

656
00:27:51,160 --> 00:27:53,000
Speaker 4: still be engaged, but also.

657
00:27:52,760 --> 00:27:56,000
Speaker 3: I'm not risking my wealth. Yes, yeah, I'm.

658
00:27:55,800 --> 00:27:58,359
Speaker 7: Not here for but exactly as you said, and we

659
00:27:58,480 --> 00:28:01,040
Speaker 7: have seen it happen, Like there have been cases raised

660
00:28:01,040 --> 00:28:05,320
Speaker 7: against influencers who were promoting cryptos. There was pump and

661
00:28:05,400 --> 00:28:07,880
Speaker 7: dump schemes, there was all types of things. Because it's

662
00:28:07,880 --> 00:28:11,040
Speaker 7: an unregulated space, people can do whatever they want. And

663
00:28:11,280 --> 00:28:13,600
Speaker 7: I mean we see it in financial services more broadly,

664
00:28:13,680 --> 00:28:16,119
Speaker 7: on a lower scale because thankfully there is regulation, but

665
00:28:16,119 --> 00:28:17,560
Speaker 7: obviously not everybody adheres to it.

666
00:28:18,040 --> 00:28:19,120
Speaker 5: But you can't.

667
00:28:19,480 --> 00:28:21,880
Speaker 7: I know that this is going to sound deeply hypocritical

668
00:28:21,920 --> 00:28:24,720
Speaker 7: because I'm saying it on a finance podcast, but you

669
00:28:24,760 --> 00:28:27,160
Speaker 7: can't just take the advice from any person who's got

670
00:28:27,200 --> 00:28:28,359
Speaker 7: a microphone or a.

671
00:28:28,280 --> 00:28:31,240
Speaker 3: Camera, you know, And so you actually can't.

672
00:28:31,520 --> 00:28:33,879
Speaker 7: But it's true, like any person with a little bit

673
00:28:33,880 --> 00:28:36,800
Speaker 7: of charisma can get on TikTok and convince you, especially

674
00:28:36,800 --> 00:28:37,920
Speaker 7: someone like me who is.

675
00:28:38,000 --> 00:28:41,320
Speaker 4: Variously Yes, we should have started a crypto coin, we

676
00:28:41,360 --> 00:28:44,960
Speaker 4: should have started a multiple marketing business. Yeah, bring back

677
00:28:45,120 --> 00:28:49,400
Speaker 4: the cooin, Like we should be using our power.

678
00:28:49,200 --> 00:28:51,200
Speaker 5: For bad yeah, And that's you know what I mean.

679
00:28:51,240 --> 00:28:53,920
Speaker 7: Like I'm someone who's very trusting in what I see,

680
00:28:53,960 --> 00:28:56,680
Speaker 7: Like I can be very easily convinced of things. So

681
00:28:56,720 --> 00:28:58,320
Speaker 7: any person with a bit of charisma can get on

682
00:28:58,360 --> 00:29:00,760
Speaker 7: TikTok and tell you that this is the next best

683
00:29:00,800 --> 00:29:03,480
Speaker 7: stock option totally. And if you're not someone who's doing

684
00:29:03,480 --> 00:29:05,680
Speaker 7: your own research, if you're someone who gets caught up

685
00:29:05,680 --> 00:29:07,880
Speaker 7: in that, like I can be, it is really easy.

686
00:29:07,880 --> 00:29:09,280
Speaker 7: And I can see how your partner could be going,

687
00:29:09,320 --> 00:29:11,120
Speaker 7: oh my god, like we've got this goal that we

688
00:29:11,160 --> 00:29:14,760
Speaker 7: want to achieve. This is a sure thing basically, which

689
00:29:14,800 --> 00:29:17,440
Speaker 7: is where exactly as Victoria said, you kind of are

690
00:29:17,520 --> 00:29:21,640
Speaker 7: almost straying into gambling territory. It is kind of scary,

691
00:29:21,760 --> 00:29:23,960
Speaker 7: but you could win powable, you know what. I hope

692
00:29:23,960 --> 00:29:26,120
Speaker 7: that I do, and I hope that everyone listening does too.

693
00:29:26,280 --> 00:29:29,560
Speaker 7: That's not an investing strategy.

694
00:29:28,640 --> 00:29:29,040
Speaker 5: Not at all.

695
00:29:29,120 --> 00:29:31,640
Speaker 7: Game we say, generally speaking, you shouldn't be investing for

696
00:29:31,680 --> 00:29:34,120
Speaker 7: a short term goal, regardless of what you're investing in,

697
00:29:34,200 --> 00:29:35,160
Speaker 7: and I would argue that.

698
00:29:35,040 --> 00:29:37,960
Speaker 5: That applies to crypto as well. I agree, take it away,

699
00:29:38,040 --> 00:29:38,800
Speaker 5: VD not.

700
00:29:38,840 --> 00:29:43,160
Speaker 3: Even take it away, I feel kind of mean. But

701
00:29:43,320 --> 00:29:44,600
Speaker 3: also let's zoom out.

702
00:29:44,640 --> 00:29:48,040
Speaker 4: So my favorite book when it comes to investing, it's

703
00:29:48,080 --> 00:29:52,320
Speaker 4: not investing by She's on, No, that's that's the best

704
00:29:52,320 --> 00:29:56,360
Speaker 4: book but not. My favorite is from nineteen twenty six

705
00:29:56,640 --> 00:29:59,600
Speaker 4: and it's by a guy called George S. Klassen, George

706
00:29:59,600 --> 00:30:03,320
Speaker 4: Samuel Class and it's called The Richest Man in Babylon.

707
00:30:03,600 --> 00:30:05,920
Speaker 4: You guys have heard me talk about this book before,

708
00:30:06,280 --> 00:30:09,880
Speaker 4: and I disclaimer this book as being the most.

709
00:30:09,680 --> 00:30:12,000
Speaker 3: Dry read of your entire life.

710
00:30:12,400 --> 00:30:16,240
Speaker 4: But it is a fantastic book when it comes down

711
00:30:16,360 --> 00:30:20,360
Speaker 4: to why investing started, how it works, what that looks like.

712
00:30:20,600 --> 00:30:23,720
Speaker 4: We're not talking about the Australian share market. We're not

713
00:30:23,800 --> 00:30:26,880
Speaker 4: talking about cryptocurrency in this book. We are talking about

714
00:30:27,000 --> 00:30:30,280
Speaker 4: buying and trading sheep. We are talking about what old

715
00:30:30,320 --> 00:30:34,280
Speaker 4: marketplaces looked like and how out of those marketplaces people

716
00:30:34,360 --> 00:30:37,400
Speaker 4: built businesses. But then out of those marketplaces people were

717
00:30:37,480 --> 00:30:40,360
Speaker 4: able to trade and invest in different other businesses and

718
00:30:40,400 --> 00:30:41,640
Speaker 4: create wealth for themselves.

719
00:30:41,760 --> 00:30:41,960
Speaker 10: Right.

720
00:30:42,400 --> 00:30:44,760
Speaker 4: And that's why that's one of my favorite books, because

721
00:30:44,760 --> 00:30:47,320
Speaker 4: it teaches you the foundations of that. Now, you don't

722
00:30:47,360 --> 00:30:48,719
Speaker 4: have to read that if you don't want to read

723
00:30:48,760 --> 00:30:50,160
Speaker 4: the driest book in the entire world.

724
00:30:50,200 --> 00:30:50,600
Speaker 3: You can.

725
00:30:50,680 --> 00:30:52,600
Speaker 4: If you're on the same team as me and you're like,

726
00:30:52,920 --> 00:30:55,240
Speaker 4: I just want the information, I would.

727
00:30:55,080 --> 00:30:56,000
Speaker 3: Say it's not a big read.

728
00:30:56,000 --> 00:30:58,520
Speaker 4: It's quite a skinny book, so it's not too overwhelming,

729
00:30:58,880 --> 00:31:01,000
Speaker 4: but all of those principles of what I bring to

730
00:31:01,040 --> 00:31:03,200
Speaker 4: sheese on the money anyway. So I think that you

731
00:31:03,240 --> 00:31:05,320
Speaker 4: would read this and be like, oh, that makes sense

732
00:31:05,400 --> 00:31:08,600
Speaker 4: and it's just validating. But one of the lessons in

733
00:31:08,640 --> 00:31:12,280
Speaker 4: that book is you would never take advice from a

734
00:31:12,360 --> 00:31:14,600
Speaker 4: brick layer on buying diamonds.

735
00:31:15,360 --> 00:31:15,880
Speaker 5: So true.

736
00:31:16,120 --> 00:31:18,480
Speaker 4: And so if you were going out into the world

737
00:31:18,520 --> 00:31:21,640
Speaker 4: and you wanted to propose to Jess and you wanted

738
00:31:21,680 --> 00:31:25,160
Speaker 4: the biggest and the best diamond, ever, where are you going?

739
00:31:26,320 --> 00:31:30,120
Speaker 4: Who were you going to ask for advice? The same

740
00:31:30,160 --> 00:31:33,560
Speaker 4: should be true with money and finance. You are coming

741
00:31:33,560 --> 00:31:37,080
Speaker 4: to me, and you're coming to this podcast hopefully because

742
00:31:37,080 --> 00:31:41,400
Speaker 4: we really ridiculously funny and we are so hot that

743
00:31:41,520 --> 00:31:46,000
Speaker 4: leavings why right? But also in the background, sorry, I

744
00:31:46,200 --> 00:31:49,280
Speaker 4: was a financial advisor who ran a very successful practice.

745
00:31:49,320 --> 00:31:52,400
Speaker 4: I still hold a financial services license, I own a

746
00:31:52,440 --> 00:31:55,520
Speaker 4: credit license, I run a mortgage broking business. I am

747
00:31:55,560 --> 00:31:58,080
Speaker 4: in the nitty gritty of this every single day. And

748
00:31:58,200 --> 00:32:01,080
Speaker 4: do you know what I want to get filthy Ridge too?

749
00:32:01,720 --> 00:32:05,280
Speaker 4: Do you think that if that option was on the table,

750
00:32:05,360 --> 00:32:07,520
Speaker 4: and it was a genuine option and one of the

751
00:32:07,560 --> 00:32:10,920
Speaker 4: best investment options out there, I wouldn't have already taken

752
00:32:10,960 --> 00:32:11,680
Speaker 4: advantage of it.

753
00:32:11,920 --> 00:32:12,680
Speaker 6: That's a great point.

754
00:32:12,920 --> 00:32:16,560
Speaker 4: Have you ever met a financial advisor who is so

755
00:32:16,760 --> 00:32:20,520
Speaker 4: excited about crypto because it is the best outcome. Have

756
00:32:20,640 --> 00:32:24,080
Speaker 4: you ever met an accountant, a mortgage broker, a somebody

757
00:32:24,120 --> 00:32:26,959
Speaker 4: who works in the financial services industry and knows it

758
00:32:27,000 --> 00:32:29,360
Speaker 4: like the back of their hand choosing to put their

759
00:32:29,440 --> 00:32:32,200
Speaker 4: wealth in crypto and not too young people's yum, no,

760
00:32:32,200 --> 00:32:34,920
Speaker 4: no no, But like we are going back to the basics.

761
00:32:35,280 --> 00:32:38,160
Speaker 3: We're not saying it is a bad asset class.

762
00:32:38,200 --> 00:32:40,600
Speaker 4: I have already told you that I own an ETF

763
00:32:40,600 --> 00:32:43,560
Speaker 4: that invests in the infrastructure of crypto, because I do

764
00:32:43,640 --> 00:32:46,680
Speaker 4: think that it is part of the way our future

765
00:32:46,760 --> 00:32:50,080
Speaker 4: is going to be constructed. At this point, though you

766
00:32:50,360 --> 00:32:53,200
Speaker 4: cannot bet on which coins are going to take off,

767
00:32:53,200 --> 00:32:57,120
Speaker 4: every man and his dog has a coin wire influencers

768
00:32:57,600 --> 00:33:00,600
Speaker 4: influencing you so well that you're willing to risk your

769
00:33:00,640 --> 00:33:04,680
Speaker 4: future wealth and you're not listening to experts because you'll.

770
00:33:04,560 --> 00:33:06,400
Speaker 7: Never catch us saying this is the best like we

771
00:33:06,480 --> 00:33:09,000
Speaker 7: do the oppositely, we will say this performed really well,

772
00:33:09,320 --> 00:33:11,760
Speaker 7: Go away, do your and research like we will never ever.

773
00:33:11,880 --> 00:33:14,360
Speaker 4: Ever, I always say, don't just listen to my podcast,

774
00:33:14,640 --> 00:33:17,880
Speaker 4: listen to every single other podcast on the market. Take

775
00:33:17,920 --> 00:33:20,040
Speaker 4: my advice with a grain of salt, because my advice

776
00:33:20,120 --> 00:33:22,760
Speaker 4: is always going to be shadowed by my opinion and

777
00:33:22,840 --> 00:33:25,600
Speaker 4: my conservativeness and wanting to put you in the best possible.

778
00:33:25,280 --> 00:33:26,080
Speaker 3: Position, all of that.

779
00:33:26,480 --> 00:33:28,600
Speaker 4: But like you might be introduced to another concept in

780
00:33:28,640 --> 00:33:30,880
Speaker 4: a way that resonates with you better. And you know what,

781
00:33:31,000 --> 00:33:33,640
Speaker 4: I don't care where you get that information. All I

782
00:33:33,720 --> 00:33:38,480
Speaker 4: care is that you personally benefited from financial literacy because

783
00:33:38,520 --> 00:33:41,720
Speaker 4: that's my mission. So I think going back to is

784
00:33:41,760 --> 00:33:45,840
Speaker 4: crypto a bad decision? No, not necessarily, but yes it

785
00:33:45,920 --> 00:33:47,760
Speaker 4: is if you're getting your advice from TikTok.

786
00:33:48,120 --> 00:33:49,040
Speaker 3: Yes it is if you're.

787
00:33:48,960 --> 00:33:51,360
Speaker 4: Getting it from people who are not educated and have

788
00:33:51,480 --> 00:33:55,080
Speaker 4: brought into essentially what I believe is a pyramid scheme

789
00:33:55,520 --> 00:33:59,320
Speaker 4: of cryptocurrency because it feels like a cult, and that

790
00:33:59,400 --> 00:34:03,000
Speaker 4: influence is making money on the referrals from you signing up.

791
00:34:03,160 --> 00:34:06,320
Speaker 4: That influencer is making money because every single time another

792
00:34:06,360 --> 00:34:10,640
Speaker 4: person invests into that coin, it increases in value and

793
00:34:10,800 --> 00:34:14,040
Speaker 4: they therefore have a more valuable portfolio, Like they are

794
00:34:14,080 --> 00:34:16,799
Speaker 4: benefiting from this. But they don't have the backing, and

795
00:34:16,840 --> 00:34:20,040
Speaker 4: that makes me so grumpy because they don't know what

796
00:34:20,080 --> 00:34:24,080
Speaker 4: they're talking about. But they will come guns braized and

797
00:34:24,120 --> 00:34:27,000
Speaker 4: be like, but see, Victoria, the proof is in the pudding. Look,

798
00:34:27,040 --> 00:34:30,200
Speaker 4: I've got all these people invested and our portfolios are increasing.

799
00:34:31,000 --> 00:34:34,399
Speaker 4: For how long, baby cakes? How long is this going

800
00:34:34,400 --> 00:34:37,200
Speaker 4: to work? How long is this viable? Is this even

801
00:34:37,239 --> 00:34:41,319
Speaker 4: a good crypto asset? And then zooming even further out.

802
00:34:41,440 --> 00:34:43,160
Speaker 4: If I sat down and I was having an initial

803
00:34:43,200 --> 00:34:45,600
Speaker 4: meeting with a financial advice client way back in the day,

804
00:34:45,640 --> 00:34:47,560
Speaker 4: one of the first things I would draw on my

805
00:34:47,640 --> 00:34:49,360
Speaker 4: whiteboard is a little or.

806
00:34:49,400 --> 00:34:50,960
Speaker 3: A big L shaped graph.

807
00:34:51,160 --> 00:34:54,319
Speaker 4: The first is risk on the yaxis, and then on

808
00:34:54,320 --> 00:34:57,800
Speaker 4: the xaxis I would have put reward right. So reward

809
00:34:57,920 --> 00:35:00,360
Speaker 4: is the bottom line and risk is the top line.

810
00:35:00,440 --> 00:35:03,200
Speaker 4: And at the bottom here you've got cash. Then it

811
00:35:03,239 --> 00:35:06,600
Speaker 4: starts to increase in risk because the more risk you take,

812
00:35:06,640 --> 00:35:09,840
Speaker 4: the more reward you could potentially get. And it goes cash,

813
00:35:09,960 --> 00:35:15,680
Speaker 4: fixed interest bonds, goes into Australian property, international property, Australian shares,

814
00:35:15,719 --> 00:35:20,680
Speaker 4: international shares diversified, you know, more exotic assets, and then

815
00:35:20,840 --> 00:35:23,799
Speaker 4: all the way off the chart is crypto it is

816
00:35:24,000 --> 00:35:28,000
Speaker 4: very high risk, it is very high reward. But the idea,

817
00:35:28,360 --> 00:35:30,880
Speaker 4: and I'm so sorry for this rant, but the idea

818
00:35:31,000 --> 00:35:34,120
Speaker 4: that someone in my community would for some reason be

819
00:35:34,480 --> 00:35:37,760
Speaker 4: the most comfortable with the highest risk and the highest

820
00:35:37,840 --> 00:35:42,680
Speaker 4: reward asset class and they have never invested before blows

821
00:35:42,719 --> 00:35:45,640
Speaker 4: my mind because we're putting the most at risk, and

822
00:35:45,719 --> 00:35:47,520
Speaker 4: if that doesn't work out, you are going to run

823
00:35:47,560 --> 00:35:49,480
Speaker 4: for the hills from investing in general.

824
00:35:49,640 --> 00:35:51,200
Speaker 3: You are not going to be able to set future

825
00:35:51,239 --> 00:35:52,720
Speaker 3: you up because you'll be like, I lost.

826
00:35:52,600 --> 00:35:56,000
Speaker 4: All my money when I started this investing journey and

827
00:35:56,080 --> 00:35:59,000
Speaker 4: just write it off completely, when in reality, we'd peg

828
00:35:59,040 --> 00:36:02,040
Speaker 4: you back of questions when I do or used to

829
00:36:02,080 --> 00:36:06,440
Speaker 4: do the fact find was have you invested before? If so,

830
00:36:06,760 --> 00:36:09,879
Speaker 4: what in And every fact find that you will do

831
00:36:10,040 --> 00:36:12,600
Speaker 4: or find for free online will always ask you that

832
00:36:12,719 --> 00:36:15,560
Speaker 4: question because that plays into how much risk you're willing

833
00:36:15,640 --> 00:36:19,640
Speaker 4: to take. So it's very uncommon when you would do

834
00:36:19,719 --> 00:36:23,400
Speaker 4: a risk reward fact find sessh with a client that

835
00:36:23,440 --> 00:36:26,360
Speaker 4: they would come out as super high risk, super high reward,

836
00:36:26,600 --> 00:36:29,719
Speaker 4: super aggressive portfolio. You might find that they fall into

837
00:36:29,760 --> 00:36:32,080
Speaker 4: the growth bucket and we're going to start there and

838
00:36:32,120 --> 00:36:35,120
Speaker 4: then maybe over the time that we work with them,

839
00:36:35,239 --> 00:36:38,480
Speaker 4: they become super aggressive. But like you never want to

840
00:36:38,480 --> 00:36:40,319
Speaker 4: bite off more than you can chew, or take on

841
00:36:40,400 --> 00:36:43,160
Speaker 4: more risk than you can afford to take on. Right now,

842
00:36:43,200 --> 00:36:46,719
Speaker 4: you're telling me you have priorities like IVF and you

843
00:36:46,760 --> 00:36:49,320
Speaker 4: are taking on too much risk and it is not

844
00:36:49,400 --> 00:36:52,319
Speaker 4: working up for you. Yeah, do I hate crypto? No,

845
00:36:53,840 --> 00:36:56,480
Speaker 4: but I hate it for those reasons because it doesn't

846
00:36:56,520 --> 00:36:58,799
Speaker 4: put my community in the best possible position. You can

847
00:36:58,880 --> 00:37:00,560
Speaker 4: tell from my tone of void mad about this.

848
00:37:00,880 --> 00:37:03,040
Speaker 5: We're on over a horse. What did everybody else say?

849
00:37:03,120 --> 00:37:03,440
Speaker 3: Oh?

850
00:37:03,480 --> 00:37:07,839
Speaker 4: They had better, more regulated opinions than I. So first

851
00:37:07,880 --> 00:37:10,640
Speaker 4: question we asked was what would you do if you

852
00:37:10,680 --> 00:37:14,040
Speaker 4: were our community member. Forty four percent said only let

853
00:37:14,080 --> 00:37:17,560
Speaker 4: him invest his spending money, twenty eight percent said only

854
00:37:17,560 --> 00:37:20,680
Speaker 4: invest what you agree on, fourteen percent said deal break

855
00:37:20,719 --> 00:37:24,920
Speaker 4: at TBH, and thirteen percent said separate finances completely. We

856
00:37:25,040 --> 00:37:28,360
Speaker 4: then said how do you feel about crypto? Fifty seven

857
00:37:28,440 --> 00:37:31,399
Speaker 4: percent said it is too risky for me, twenty four

858
00:37:31,440 --> 00:37:35,040
Speaker 4: percent said interested but don't know enough, eleven percent said

859
00:37:35,040 --> 00:37:37,839
Speaker 4: what even is that? An eight percent said I am

860
00:37:37,920 --> 00:37:41,360
Speaker 4: already invested, which is absolutely fine. And then I said,

861
00:37:41,400 --> 00:37:45,040
Speaker 4: as always, what's your two cents. First person said, treat

862
00:37:45,120 --> 00:37:48,160
Speaker 4: him like any other gambler, separate your finances and get

863
00:37:48,200 --> 00:37:52,400
Speaker 4: him help. I mean, sorry, if you're taking advice from

864
00:37:52,440 --> 00:37:58,279
Speaker 4: TikTok influences, that is gambling, not investing. Someone else said,

865
00:37:58,440 --> 00:38:01,240
Speaker 4: maybe I picked this one because it supports my narrative.

866
00:38:01,560 --> 00:38:05,680
Speaker 4: The restauran't equivalent of an MLM girlie. You have to

867
00:38:05,719 --> 00:38:07,960
Speaker 4: look at what their advice is doing to benefit them.

868
00:38:08,200 --> 00:38:08,879
Speaker 6: Absolutely.

869
00:38:09,040 --> 00:38:09,239
Speaker 1: Yeah.

870
00:38:09,280 --> 00:38:12,080
Speaker 4: The next person said, my husband uses his fun money

871
00:38:12,400 --> 00:38:15,560
Speaker 4: to invest in cryptos, so our goals aren't impacted. He

872
00:38:15,640 --> 00:38:17,880
Speaker 4: still has fun and it works really well for us.

873
00:38:18,600 --> 00:38:21,080
Speaker 4: Next person said, it took me twelve months research before

874
00:38:21,080 --> 00:38:25,120
Speaker 4: I made my first crypto investment. Don't go off influences.

875
00:38:24,840 --> 00:38:26,000
Speaker 3: Because there will be people there.

876
00:38:26,040 --> 00:38:27,600
Speaker 7: I feel like we have to add a tiny caveat,

877
00:38:27,640 --> 00:38:29,239
Speaker 7: especially because we're also in TikTok that.

878
00:38:29,600 --> 00:38:31,799
Speaker 5: Like, there will be some people out there who don't all.

879
00:38:31,719 --> 00:38:33,120
Speaker 3: My financial services license.

880
00:38:33,200 --> 00:38:36,080
Speaker 7: Well, that's it, I say the majority. I think it's

881
00:38:36,160 --> 00:38:38,320
Speaker 7: much riskier, but always you're in research.

882
00:38:38,440 --> 00:38:42,040
Speaker 4: Yeah, and like I think, critically looking at any piece

883
00:38:42,040 --> 00:38:44,680
Speaker 4: of information on the Internet, I don't care if you're

884
00:38:44,719 --> 00:38:48,880
Speaker 4: watching an influencer with a really sexy mascara. Why is

885
00:38:48,960 --> 00:38:51,200
Speaker 4: she trying to sell that to you? Was it gifted

886
00:38:51,239 --> 00:38:54,240
Speaker 4: to her? Was it something that she genuinely just loves

887
00:38:54,239 --> 00:38:56,920
Speaker 4: and is sharing. Was it something that she's getting commissioned

888
00:38:56,920 --> 00:39:00,279
Speaker 4: off product sales? Like I just think being critical.

889
00:39:00,480 --> 00:39:02,120
Speaker 7: Because none of those things are bad, but they can

890
00:39:02,239 --> 00:39:04,240
Speaker 7: factor into how people represent exactly.

891
00:39:04,320 --> 00:39:06,600
Speaker 4: And if you don't have all of the information on

892
00:39:06,600 --> 00:39:08,480
Speaker 4: the table to make the decision that's right for you,

893
00:39:08,880 --> 00:39:11,279
Speaker 4: then great. I love a good mascara though, and I

894
00:39:11,320 --> 00:39:14,120
Speaker 4: do look them up on TikTok, but I'm always like, oh,

895
00:39:14,120 --> 00:39:15,719
Speaker 4: why would you be saying that? And I look like

896
00:39:15,760 --> 00:39:18,319
Speaker 4: the paid partnership and the check things and like like, oh,

897
00:39:18,360 --> 00:39:20,480
Speaker 4: I actually I'd prefer to find an organic opinion.

898
00:39:20,880 --> 00:39:21,200
Speaker 3: Okay.

899
00:39:21,320 --> 00:39:23,400
Speaker 4: Next person said, my mum was scammed out of her

900
00:39:23,480 --> 00:39:27,000
Speaker 4: super with crypto ATMs at the supermarket.

901
00:39:27,200 --> 00:39:29,759
Speaker 3: They also got her on social media too.

902
00:39:30,280 --> 00:39:32,480
Speaker 7: A side note, I think I sent you a photo

903
00:39:32,520 --> 00:39:34,440
Speaker 7: the first time I ever saw an I did right

904
00:39:34,480 --> 00:39:37,399
Speaker 7: an age at my local shopping center for crypto, which

905
00:39:37,400 --> 00:39:38,640
Speaker 7: I boggled my mind.

906
00:39:38,760 --> 00:39:40,560
Speaker 4: Do you know what my favorite thing is? You guys

907
00:39:40,640 --> 00:39:42,960
Speaker 4: love a little bit of tea. So everyone is always

908
00:39:43,000 --> 00:39:46,040
Speaker 4: in my personal dams on instagram sending photos like that

909
00:39:46,320 --> 00:39:49,000
Speaker 4: or just tea about investment influencers and stuff. It is

910
00:39:49,040 --> 00:39:53,759
Speaker 4: so fun but like also terrifying. Someone else said, and

911
00:39:53,840 --> 00:39:56,520
Speaker 4: I thought this one was the tea. I worked at

912
00:39:56,560 --> 00:39:59,000
Speaker 4: a cryptocurrency for a long time, and so much is

913
00:39:59,080 --> 00:40:02,839
Speaker 4: smoker mirrors and regulated financial marketing straight from the horse's mouth.

914
00:40:02,880 --> 00:40:04,000
Speaker 3: Wow.

915
00:40:04,239 --> 00:40:07,279
Speaker 4: Another person good advice said, only invest what you can

916
00:40:07,320 --> 00:40:07,960
Speaker 4: afford to lose.

917
00:40:08,000 --> 00:40:09,400
Speaker 3: Best advice I've ever received.

918
00:40:10,160 --> 00:40:12,600
Speaker 4: Someone else said, girl, go into his settings and reset

919
00:40:12,600 --> 00:40:14,319
Speaker 4: his TikTok algorithm while he's in the show.

920
00:40:14,880 --> 00:40:20,120
Speaker 5: Literally, and that's where video. Yeah, I believe my girlfriend.

921
00:40:20,920 --> 00:40:26,520
Speaker 4: Engagement IVF positive stories.

922
00:40:28,040 --> 00:40:28,440
Speaker 5: I love it.

923
00:40:28,440 --> 00:40:30,160
Speaker 3: All right, Well, I am going to call it. That's

924
00:40:30,160 --> 00:40:31,080
Speaker 3: where I'm going to leave it.

925
00:40:31,239 --> 00:40:33,880
Speaker 4: I feel like I've been more than opinionated on this episode,

926
00:40:33,960 --> 00:40:36,080
Speaker 4: so I hope the rant was appreciated.

927
00:40:36,120 --> 00:40:39,880
Speaker 3: But also I think I need to calm down on

928
00:40:39,920 --> 00:40:40,719
Speaker 3: the quiet corner for really.

929
00:40:40,800 --> 00:40:42,440
Speaker 4: I'm just gonna have a little bit of a break,

930
00:40:42,440 --> 00:40:44,520
Speaker 4: all right, guys, We'll see you right nearly on Monday

931
00:40:44,680 --> 00:40:46,280
Speaker 4: morning for a money diary.

932
00:40:46,280 --> 00:40:47,760
Speaker 3: But till then, have the best weekend.

933
00:40:48,040 --> 00:40:49,000
Speaker 5: Bye bye, guys.

934
00:40:49,080 --> 00:40:57,880
Speaker 10: Hye did buy shared on cheese on the Money is

935
00:40:57,960 --> 00:41:01,560
Speaker 10: general in nature and does not consider your individual circumstances.

936
00:41:01,920 --> 00:41:05,319
Speaker 10: She's on the Money exists purely for educational purposes and

937
00:41:05,360 --> 00:41:07,799
Speaker 10: should not be relied upon to make an investment or

938
00:41:07,880 --> 00:41:08,880
Speaker 10: financial decision.

939
00:41:09,280 --> 00:41:11,600
Speaker 3: If you do choose to buy a financial.

940
00:41:11,080 --> 00:41:15,000
Speaker 10: Product, read the PDS TMD and obtain appropriate financial.

941
00:41:14,680 --> 00:41:16,480
Speaker 3: Advice tailored towards your needs.

942
00:41:16,840 --> 00:41:20,760
Speaker 10: Victoria Divine and She's on the Money are authorized representatives

943
00:41:20,800 --> 00:41:24,919
Speaker 10: of money. Sheper pty Ltd ABN three two one six

944
00:41:25,000 --> 00:41:28,839
Speaker 10: four nine two seven seven zero eight AFSL four five

945
00:41:29,000 --> 00:41:30,840
Speaker 10: one two eight nine