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Speaker 1: She's on the Money, She's on the Money. Hello, and

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Speaker 1: welcome to She's on the Money money diaries. The Money

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Speaker 1: arose from millennials who want financial freedom. My name is

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Speaker 1: Victoria Devine, and this week we speak to a twenty

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Speaker 1: two year old member of our community is using Scentilink

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Speaker 1: as her main source of income while studying long and

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Speaker 1: hard to become a doctor. Ryan John, can you please

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Speaker 1: read out the email she sent us last week.

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Speaker 2: I'm twenty two years old and currently studying at university

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Speaker 2: in my fifth year of study. I've had multiple jobs

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Speaker 2: over the last seven years and spend a lot of

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Speaker 2: my money traveling, haven't we all. I'm studying medicine look

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Speaker 2: out guys, smarter about and getting into my final years.

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Speaker 2: We do a whole year of practical work, so I've

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Speaker 2: had to quit all my jobs, and I know a

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Speaker 2: lot of professions that have to do practical placements stuff.

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Speaker 2: It's actually really hard because you have to quit your

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Speaker 2: part time jobs and stuff, and you know.

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Speaker 1: A lot of people of friends doing it. It's hectic.

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Speaker 2: Yeah, but lucky, I'm eligible for youth allowance from Centrelink,

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Speaker 2: so that's what I'm currently living on. I still live

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Speaker 2: at home, but next year I plan to move out

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Speaker 2: due to location of the practical work at the hospital

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Speaker 2: being three hours south in rural Western Australia. I have

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Speaker 2: a phobia of credit cards and being in debt, and

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Speaker 2: that's been passed on from my parents. Recently, I've started investing,

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Speaker 2: which is new to me, but I've gotten a few

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Speaker 2: short wins. Hello after pay and zippay, well done there.

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Speaker 2: My income each fortnite is five hundred and fifty nine

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Speaker 2: dollars and twenty cents, and that's increased a lot because

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Speaker 2: of coronavirus and doing extra hours and stuff like that

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Speaker 2: and the supplements. I feel like I'm still living my

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Speaker 2: previous lifestyle low of about one or two years ago,

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Speaker 2: when I was working two or three jobs and earning

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Speaker 2: one thousand to fifteen hundred a fortnite, and I haven't

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Speaker 2: been able to cut down my spending. Once you start

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Speaker 2: living a certain life, it is really hard to get

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Speaker 2: me my style. Careers all right, So that brings us

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Speaker 2: up to speed. Thanks for joining us, Money Diarist, Thank

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Speaker 2: you for having me.

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Speaker 1: I'm really excited about this one. It sounds super interesting,

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Speaker 1: But to be the boring person here, let's get through

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Speaker 1: all of the constructive questions first and then we can

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Speaker 1: have the exciting conversation on the back end of the podcast.

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Speaker 1: Is that okay, yep, can we dive straight in?

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Speaker 3: Sure?

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Speaker 1: Fabulous? Can you explain your relationship with money to us?

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Speaker 3: I feel like I have a pretty good relationship with money.

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Speaker 3: It has probably changed over the past sort of year

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Speaker 3: where I haven't been able to get an income and

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Speaker 3: they have been living off centling. Before then, I think

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Speaker 3: because I was earning much, I was sort of living

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Speaker 3: to my names and saving quite a lot as well

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Speaker 3: a table quite a lot. But now I'm still living

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Speaker 3: the same way I was a few years ago, and

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Speaker 3: it's not really sustainable anymore, which.

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Speaker 1: Is absolutely fair, and I think a lot of us

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Speaker 1: guilty of that. Let's be honest. So what do you

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Speaker 1: do for work and for life? Like, what's going on there?

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Speaker 3: So? Currently I'm a medical student. I'm in my fourth

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Speaker 3: year out of five years, but I've been at university

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Speaker 3: for five years overall because I switched in so and

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Speaker 3: for work, I've worked at lots of different places. I

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Speaker 3: worked at an ice cream shop like seven years and then,

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Speaker 3: but during that time, I worked at different burger places

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Speaker 3: and I'm pying netball and lots of little first aid

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Speaker 3: jobs and sort of things like that, which is I

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Speaker 3: think having multiple sources of income allowed me to sort

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Speaker 3: of have one sort of income as savings, and then

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Speaker 3: the other sources were sort of my spending money, which

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Speaker 3: worked quite well. But now I've only.

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Speaker 4: Got the center Link as my source of income.

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Speaker 1: Which is still cool. Like how cool are we to

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Speaker 1: be in a country where we have a rassource like that?

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Speaker 3: Are we going to come?

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Speaker 2: Like? How good is that?

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Speaker 3: Yeah?

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Speaker 4: I sort of feel a bit guilty sometimes because I

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Speaker 4: feel like I'm I mean, obviously there will situate shouldn't

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Speaker 4: like mine, but I feel like I'm almost taking advantage

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Speaker 4: of the system because growing up it kind of had

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Speaker 4: that stigma that like, if you're on SENTILLENTCE, you're kind.

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Speaker 2: Of you're going to be a doctor and saving our lives.

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Speaker 2: I think it's a good investment.

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Speaker 1: I think that's a great investment, Like if my tex

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Speaker 1: doars are going towards creating doctors, I am a thousand

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Speaker 1: percent to hear for it. But I don't think that

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Speaker 1: anyone who is on Centilink actually is abusing it in

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Speaker 1: any way, shape or form. Lots of people in our

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Speaker 1: community are, and to be honest, I'm just super grateful

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Speaker 1: the resource like that exists for us.

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Speaker 3: Yeah, definitely.

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Speaker 1: Two.

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Speaker 3: Especially for students, I feel like it's quite necessary.

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Speaker 1: Being a student is so expensive and stressful, Like you've

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Speaker 1: been doing this for five years, Like the hustle is real. Yes,

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Speaker 1: So getting further into it, what do you earn and

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Speaker 1: how much is currently sitting in your bank account right now?

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Speaker 3: Currently on centilink, I'm earning five hundred and fiftyish dollars

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Speaker 3: a fortnite and sitting in my bank account there's about

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Speaker 3: four thousand, and then in investments and stuff, I've got

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Speaker 3: more money in there as well.

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Speaker 1: Hey that's pretty good. Yeah, that's pretty good. I'm pretty

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Speaker 1: impressed with that. Do you feel confident when making decisions

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Speaker 1: about money?

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Speaker 3: Yes, I feel like I never really say no to myself,

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Speaker 3: which I feel is partly because growing up, Mum and

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Speaker 3: Dad never really said no so much, even though it

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Speaker 3: was probably out of their price range, so they've never

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Speaker 3: really said no. So then I sort of let myself

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Speaker 3: have a treat, probably a little bit too often, and

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Speaker 3: go on a through too many holidays to Fari Europe, etc.

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Speaker 3: But I feel like it's okay.

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Speaker 1: Which is fair. I think we all feel a little

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Speaker 1: bit guilty about our money situation for one reason or another.

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Speaker 1: So what happens to the money after it gets deposited

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Speaker 1: into your account?

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Speaker 3: So I've recently changed this, so when I started going

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Speaker 3: on Sentience about two months ago, I sort of had

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Speaker 3: to sit bit more stringent with where my money was going.

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Speaker 3: So I should set up automatic payments if I've heard

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Speaker 3: so many of the money diarists do, But I currently

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Speaker 3: I just automatically, I mean not automatically, just deposit it

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Speaker 3: into my savings. So I think i'd about two hundred savings,

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Speaker 3: but then I always end up taking more usually and

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Speaker 3: then about one fifty years for groceries and one fifty

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Speaker 3: issues for sending, and then the extra bit that goes

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Speaker 3: into a raise count.

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Speaker 1: I love that you're on send link and like making

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Speaker 1: the most of it. You're still making sure you're using

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Speaker 1: apps like raise to make sure that you're rounding up

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Speaker 1: additional things. I actually really love it. It's really savvy. So

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Speaker 1: can you tell us a little bit about your investment journey?

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Speaker 4: So I feel a.

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Speaker 3: Little bit lucky that when I started looking into investment

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Speaker 3: was right around coronavirus last year when the market fully crafted,

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Speaker 3: so I was able to get in when everything was

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Speaker 3: really really cheap. Yes, every Yeah, I bought stocks in

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Speaker 3: after pay and Zippay and Quantus and basically was buying them,

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Speaker 3: and then within three weeks I was when the market

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Speaker 3: was going up, I was selling them and then buying

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Speaker 3: other ones and then selling those ones. Yeah, I managed

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Speaker 3: to make about five grand or fat.

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Speaker 2: Whoaying if you don't mind far.

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Speaker 3: But I felt like for the amount of time I

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Speaker 3: was sort of like checking up on everything and sort

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Speaker 3: of almost neglecting my studies a little bit because I

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Speaker 3: was so sort of it's exciting, right, yeah, in these

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Speaker 3: quick these very quick wrins, but that's skip. Yeah, it was.

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Speaker 2: It was good.

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Speaker 3: But then now the market is a little bit more stable,

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Speaker 3: so I'm sort of looking more at ETF and which

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Speaker 3: I have. Probably I did have about five grand in

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Speaker 3: ETFs at the moment, which is basically what I made

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Speaker 3: from my wings from the short winds, and then I

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Speaker 3: have I have about four brand in just like other

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Speaker 3: different accounts of different sort of investments as well.

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Speaker 1: That is actually I'm really impressed. I feel obviously we

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Speaker 1: can't recommend that strategy because it is incredibly risky. But yes,

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Speaker 1: it's kind of cool, but it worked for Yeah exactly.

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Speaker 1: We always have the best advice in hindsight, right, like

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Speaker 1: if I could, if I could do what you did,

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Speaker 1: but like, at the same time, that would have been great.

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Speaker 1: I also would have bought twelve months.

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Speaker 3: Yes exactly, it was very lucky timing, and I feel

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Speaker 3: I almost I know how lucky it was. Now looking

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Speaker 3: back at the stocks I invested in and how often

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Speaker 3: they fluctuate up.

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Speaker 1: And down, I am really impressed. I'm not gonna lie.

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Speaker 3: So do you want of luck totally?

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Speaker 1: But do you have any debts of any kind? And

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Speaker 1: if so, what are they?

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Speaker 2: So?

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Speaker 3: I have no credit card debt or anything like that.

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Speaker 3: I do use after pay, but I use it in

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Speaker 3: the way that Victoria has sort of said it's okay,

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Speaker 3: which is buying.

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Speaker 1: You don't need my permission to live your life.

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Speaker 3: My friend buying something of office. I'm buying a few items,

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Speaker 3: maybe like the same item but in different sizes, and

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Speaker 3: then ended up sending stuff back most of the time.

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Speaker 1: Yeah, use it as a tool, honestly, do you can

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Speaker 1: use it as a tool that helps you, you know,

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Speaker 1: actually make a better financial decision. I'm all about that.

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Speaker 3: Yeah, and then I've obviously got a lot of heck steps.

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Speaker 3: When I finish, I think I'll be sitting at about

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Speaker 3: sixty or seventy thousands.

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Speaker 4: That's pretty around, man.

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Speaker 1: That's pretty good. I think I've said this on the

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Speaker 1: podcast before, but my hex stet is still sitting at

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Speaker 1: six figures.

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Speaker 2: Guys, and you ain't a doctor either.

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Speaker 1: No, I don't even get how disappointing honestly. All right,

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Speaker 1: So do you have any good money habits that you're

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Speaker 1: especially proud of.

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Speaker 3: I think I'm sort of proud of my past self

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Speaker 3: more than my current self. I used to be very

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Speaker 3: very tight with my money. I used to bring pack

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Speaker 3: lunch every day, and I was really on the ball

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Speaker 3: with gay and everything sort of changed a little bit.

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Speaker 3: We were going out for dinners or rot and sort

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Speaker 3: of splitting everything, and so that also has been a

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Speaker 3: change in the sort of like past two years. That's

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Speaker 3: sort of changed everything a little bit as well. But

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Speaker 3: I sort of say it's sort of worth it.

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Speaker 1: I love that. Actually, I feel like so many people

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Speaker 1: are really harsh on past like their past selves, but

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Speaker 1: I don't know, it's one of those things like, I

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Speaker 1: can see that you've obviously come from a really good

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Speaker 1: past self. But when people say, oh my gosh, like

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Speaker 1: I can't believe I used to do that, I was

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Speaker 1: the worst. I hate myself for that, or they you know,

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Speaker 1: really grill past selves, I feel like it's so detrimental

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Speaker 1: because like, at that time, we were just dealing with

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Speaker 1: the tools and resources that we had access to and

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Speaker 1: kind of just doing the best that we could at

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Speaker 1: that time. Yeah, you might know more now or do

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Speaker 1: something different now, but I just feel like the past

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Speaker 1: made us who we are today, and that's kind of

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Speaker 1: cool and we should be celebrating that rather than going,

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Speaker 1: oh my gosh, I can't believe I did that. Like

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Speaker 1: that's not healthy, that's not helpful. Let's not do that.

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Speaker 3: Yeah. I definitely think that my past self was definitely

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Speaker 3: a lot better, and I probably want to get her back.

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Speaker 1: That's okay, that's okay. I just think lots of people

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Speaker 1: are negative about it, So it's so nice to be like, yeah, actually,

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Speaker 1: past selfish are real smart, yeah and had a real

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Speaker 1: good time.

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Speaker 4: Yeah.

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Speaker 1: And I feel like maybe the next question I've got

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Speaker 1: for you is going to be more a current self thing,

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Speaker 1: given the feedback you've just given us, and that is

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Speaker 1: what is your worst money habit.

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Speaker 3: I'm very much a foamo person. If my friend's going out,

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Speaker 3: I'm going to go, whether it's a detriment to sort

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Speaker 3: of my money or to my studies. I never really

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Speaker 3: say no holidays. I'll go with every friend that wants

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Speaker 3: to go. Every time someone wants to start for dinner

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Speaker 3: or anything like that, I'm always keen, which is definitely

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Speaker 3: one of my values. At the same time, it's sort

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Speaker 3: of spending time is like the people that I love,

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Speaker 3: but I can kind of sort of balance it a

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Speaker 3: little bit better or find ways that I can sort

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Speaker 3: of spend time with people without spending money.

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Speaker 1: It's good to have that level of reflection, though, because

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Speaker 1: I think a lot of people would not say, oh

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Speaker 1: my gosh, I'm so bad at fomo, because that takes

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Speaker 1: a lot of level of introspection from my perspective. So,

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Speaker 1: money Diarist, what are you currently saving for? Do you

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Speaker 1: currently have a big money goal at the moment?

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Speaker 3: Currently, No, I've sort of the next sort of goal

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Speaker 3: is like a house, but I'm still only twenty two.

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Speaker 3: But I kind of just want to get those big

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Speaker 3: goals out of the way early. And my only other

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Speaker 3: big thing would be I really want to just keep

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Speaker 3: investing what's lots of money when I'm young, so that

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Speaker 3: when I get to like thirty five, forty five, fifty five,

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Speaker 3: it's going to be a lot easier as well.

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Speaker 1: Guys, she's going to be a doctor. Gone, she gone

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Speaker 1: be all right? So, baby doctor, if I forced you

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Speaker 1: to rate yourself and give yourself a financial rating, what

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Speaker 1: would you give yourself?

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Speaker 3: I probably would say about seven and a half maybe, But.

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Speaker 4: I think I'm pretty good.

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Speaker 3: But there's definitely ways I can improve. But I do

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Speaker 3: know how I can get there. I just need to

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Speaker 3: stop overthinking and stop going to every single thing I

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Speaker 3: can possibly go to and make better decisions in that way.

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Speaker 1: I'm not gonna lie. At twenty two, I feel like

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Speaker 1: you've got it pretty sorted, much more sorted than twenty

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Speaker 1: two year old me had.

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Speaker 2: But so who's got the energy to go out every

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Speaker 2: night when you get older? You know what I mean?

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Speaker 2: I mean that take care of it out.

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Speaker 1: I definitely don't. But we'll have a chat about that

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Speaker 1: right after we have a little message from our friends

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Speaker 1: of the show this week. I am so grateful for

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Speaker 1: you sharing your money diary today. Thank you so so

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Speaker 1: much for that. Can we talk a little bit more

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Speaker 1: about the pervy stuff though?

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Speaker 3: Sure?

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Speaker 1: Talk to me about medicine. How hard is it? How

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Speaker 1: far are you through it? Is it exactly what you

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Speaker 1: thought it was going to be?

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Speaker 3: It is now? So the first sort of three years

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Speaker 3: were we're all pre clinical, so it was all basically

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Speaker 3: in a crossroom learning, which I feel like I'm a

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Speaker 3: much more hands on person. So this year when I'm

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Speaker 3: down South, it's been much more hands on. I've been

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Speaker 3: able to do a lot more things, and I feel

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Speaker 3: like I'm learning a lot more and faster, So that's

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Speaker 3: really good. But yeah, it's very hard.

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Speaker 2: When do you have to specialize, Like do you like,

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Speaker 2: is that after graduating and stuff or do you start

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Speaker 2: specializing within your course? Like how technical do you need

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Speaker 2: to get and make decisions about your future already?

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Speaker 3: Ah, not too technical yet. So I'm still in my

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Speaker 3: fourth year and then I'll have six year next year

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Speaker 3: in med school as well, and then you do an

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Speaker 3: intern year where you kind of try out every sort

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Speaker 3: of place that you want to try, and then after

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Speaker 3: that you sort of choose your residency. So I've got

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Speaker 3: about three more years minimum. I can sort of keep

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Speaker 3: stretching that out as far as you want it, really,

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Speaker 3: and once I've finished the next two years, I'll be

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Speaker 3: getting paid as well, So it doesn't really matter to

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Speaker 3: me if I take an extra year when I'm sort

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Speaker 3: of an intern, because the intern wage isn't it's a

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Speaker 3: pretty good straight out of uniqu wage as well, So yeah,

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Speaker 3: I won't really be struggling or anything. I can take

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Speaker 3: my time a little bit.

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Speaker 2: Yeah, And I mean, no one goes into medicine assuming

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Speaker 2: it's going to be quick and you know, a breeze.

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Speaker 2: But it sounds like a massive commitment when you talk

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Speaker 2: about seven or eight years and then you get an

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Speaker 2: internship and stuff. Did you have to kind of give

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Speaker 2: yourself a pep talk or you know, am I really

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Speaker 2: doing this kind of chat before you committed to it?

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Speaker 3: Oh? Every day with me, there's definitely moments that come up,

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Speaker 3: especially things there's money. I felt like I was going

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Speaker 3: to really struggle this year, but I think, thank God

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Speaker 3: for all of the coronavirus supplements. They've really got to

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Speaker 3: help with everything, which even it's not even the coronavirus

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Speaker 3: that's really affected me, but it's just sort of a

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Speaker 3: good thing that's come out of it in terms of money,

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Speaker 3: and I think for most people they'd being sort of

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Speaker 3: a similar situation.

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Speaker 2: But I got a question for Victoria or maybe both

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Speaker 2: of you guys.

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Speaker 1: Yes, this is not my money, Diari ask me.

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Speaker 2: I think, and I guess we don't want to set

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Speaker 2: the bar too low. But I think if you're studying,

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Speaker 2: I remember reading the group, someone goes, I'm studying, so

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Speaker 2: I'm struggling to save and I want to invest. And

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Speaker 2: I just think, if you're studying, you're investing in your future.

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Speaker 2: And if all you can do is break even and

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Speaker 2: finish your study, oh my gosh, yeah, then more you've

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Speaker 2: done more than enough and that's a really great place

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Speaker 2: to be.

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Speaker 1: And so part of your journey, like your journey, isn't

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Speaker 1: going to be investing all the time. There is no

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Speaker 1: way I could have afforded to invest or even save

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Speaker 1: as much as I see other people in the community

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Speaker 1: doing at that age. When I was at UNI, I

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Speaker 1: was literally breaking even. And for those of you who

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Speaker 1: know a little bit about my money story, I was

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Speaker 1: in debt. I did take out a personal loan to

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Speaker 1: study overseas. I was going backwards, like and I think

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Speaker 1: that that can be part of your journey and shouldn't

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Speaker 1: bash yourself over it.

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Speaker 2: Yeah, so, future doctor, which is what I'm calling you

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Speaker 2: now apparents. Obviously you're quite driven and where you are

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Speaker 2: is quite impressive, But do you give yourself permission to go, Hey,

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Speaker 2: i'm studying. If all I do is break even this year,

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Speaker 2: then that's more than okay, because I feel like you're

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Speaker 2: putting a fair bit of pressure on yourself.

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Speaker 1: I can feel it.

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Speaker 3: I feel like I don't, but I know I should.

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Speaker 3: My boyfriend's also like a medical student in the exact

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Speaker 3: fame scenario. Check this out.

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Speaker 1: Yeah together, Yeah, they're going to have a really nice house, right.

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Speaker 2: Yeah, I can already pitch I'm coming a visit.

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Speaker 3: But he definitely does give that to himself, and it's

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Speaker 3: something I'm quite jealous with him that he doesn't care

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Speaker 3: at the moment because he knows that in a few

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Speaker 3: years he'll be okay. But for me not having that

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Speaker 3: security right now, and also seeing because my degree is

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Speaker 3: so much longer than the rest of my friends seeing

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Speaker 3: them right now graduated in full time jobs, well, I'm

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Speaker 3: still sort of in that uni ram and lifestyle. It

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Speaker 3: is a little bit frustrating seeing myself and thinking I'm behind.

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Speaker 2: You're going to be a doctor, maate, You're going to

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Speaker 2: be a I.

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Speaker 1: Actually have a lot of clients who are baby doctors.

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Speaker 1: I don't know how this is eventuated, but a number

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Speaker 1: of them they're going to be listening being like, yes,

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Speaker 1: this is exactly what you said to us, and when

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Speaker 1: to turn the podcast off. I've heard everything. But I

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Speaker 1: feel like doctors are a little bit like slingshots. They

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Speaker 1: like feel like they're going a little bit further backwards.

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Speaker 1: They can see their friends ahead of them, but once

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Speaker 1: the slingshot is like go of, they're like miles ahead

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Speaker 1: because of the groundwork that they've done and put in,

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Speaker 1: And like, as you said before, the grad salary for

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Speaker 1: a doctor is pretty good out of UNI.

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Speaker 2: I think.

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Speaker 1: I don't know where you are studying or like the location,

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Speaker 1: and we don't have to disclose that, but I know

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Speaker 1: in Melbourne a grad salary for a doctor starts at

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Speaker 1: about seventy thousand a year, which is really good in

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Speaker 1: my opinion, And I think it's one of those things

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Speaker 1: that you actually end up further ahead in the long

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Speaker 1: term because you've got this grounding and You've spent the

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Speaker 1: time doing the groundwork to actually sustain yourself and create

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Speaker 1: that future. And I feel like so many people get

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Speaker 1: down about it, and it's like, no, no, no, don't worry,

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Speaker 1: keep eating your arm. And because it is going to

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Speaker 1: be spaghetti linguini really soon.

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Speaker 3: Yeah, I feel like that's something I definitely need a

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Speaker 3: sort of I'll remind.

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Speaker 1: You it's okay, just call me whenever. I'll let you know.

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Speaker 1: I can't eat spaghetti linguini, but if I could, I

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Speaker 1: would eat it with you.

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Speaker 2: Now, this might not be as big a problem for

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Speaker 2: you as it might be for some others, considering you know,

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Speaker 2: the end of the slingshot firing.

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Speaker 1: Is that wasn't a gron no.

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Speaker 2: That was perfect, Thank you. That was great. When you

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Speaker 2: said I want to invest more, and I want to invest,

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Speaker 2: you know, lots and lots, but I also want to

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Speaker 2: buy a house, the first thing that came to mind

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Speaker 2: was you might need to choose or at least prioritize

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Speaker 2: one of those things over the other. It might be

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Speaker 2: hard to do both. Maybe not slink shot hashtag slink shot,

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Speaker 2: But where do you think you'll if you had to

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Speaker 2: kind of choose or prioritize what's more important.

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Speaker 3: For you right now, probably investing, and the house goal

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Speaker 3: is I don't know whether I just want it because

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Speaker 3: everyone else thought of has it, or whether it's actually

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Speaker 3: something that I want, which is something I sort of

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Speaker 3: need to sort of sit down and sort of think

422
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Speaker 3: about or sort of ponder over it for the next

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Speaker 3: sort of five ten years.

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Speaker 1: But you've got more, yeah time, my friend.

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Speaker 3: Yeah, I think sort of I like that come and

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Speaker 3: money isn't a bad being so young, because I know

427
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Speaker 3: a few of my friends sort of still don't really

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Speaker 3: like talking about money, whereas I'm very open and I

429
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Speaker 3: love like talking about what are you guys invested in

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Speaker 3: and everything. But yeah, I have a few friends and

431
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Speaker 3: money sort of like a bit of a taboo topic,

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Speaker 3: which I think is sort of a little bit of

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Speaker 3: a bad thing to have when you're so young, because

434
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Speaker 3: you can sort of get acquainted to everything so early

435
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Speaker 3: and learn about investing and make mistakes early so that

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Speaker 3: later on.

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Speaker 1: Your totally totally agree with that. And I actually find

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Speaker 1: it really funny because you're mentioning that you've got some

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Speaker 1: friends who you know money is a bit taboo, and

440
00:21:33,040 --> 00:21:35,679
Speaker 1: if you're listening to this podcast. You probably don't feel

441
00:21:35,680 --> 00:21:38,240
Speaker 1: the same way, but you might have friends that are similar.

442
00:21:38,680 --> 00:21:42,280
Speaker 1: But I am so used to talking about money now,

443
00:21:42,320 --> 00:21:44,600
Speaker 1: and like I talk about money with my team all

444
00:21:44,640 --> 00:21:46,679
Speaker 1: the time, and I talk about it with my family

445
00:21:46,680 --> 00:21:47,360
Speaker 1: and my friends.

446
00:21:47,400 --> 00:21:49,560
Speaker 2: And you know what's great. I love just walking into

447
00:21:49,560 --> 00:21:51,840
Speaker 2: elf skirt. Oh what's that favor? Would you pay for that? Yeah?

448
00:21:51,880 --> 00:21:52,240
Speaker 4: Literally?

449
00:21:52,600 --> 00:21:54,640
Speaker 1: But like, we talk about it so openly, and I'm

450
00:21:54,680 --> 00:21:56,960
Speaker 1: not going to be quite about something. I'll be like, oh, yeah,

451
00:21:57,000 --> 00:21:59,159
Speaker 1: this cost x or this is what this is, and

452
00:21:59,560 --> 00:22:02,080
Speaker 1: you know, I am very open and honest about it.

453
00:22:02,320 --> 00:22:04,520
Speaker 1: I'm always a little bit jarred when I come up

454
00:22:04,600 --> 00:22:08,280
Speaker 1: against somebody who maybe doesn't want to have that conversation,

455
00:22:08,280 --> 00:22:10,359
Speaker 1: because I'll be like, oh, money x y Z and

456
00:22:10,400 --> 00:22:13,560
Speaker 1: they'll be like roadblock, and I'll be like, oh wait,

457
00:22:13,600 --> 00:22:16,880
Speaker 1: hold on, sorry, I didn't mean to make you uncomfortable

458
00:22:16,920 --> 00:22:20,200
Speaker 1: with that, because you know, obviously we actually's on money

459
00:22:20,359 --> 00:22:23,320
Speaker 1: and it's such a central topic to what we do

460
00:22:23,359 --> 00:22:25,720
Speaker 1: and we live it and we breathe it. So when

461
00:22:25,760 --> 00:22:27,960
Speaker 1: you come up against other people, I'm like, oh, wait,

462
00:22:28,080 --> 00:22:30,720
Speaker 1: what other people don't other people don't share this? What

463
00:22:30,760 --> 00:22:34,440
Speaker 1: do you mean I own X amount? So it's I

464
00:22:34,480 --> 00:22:37,080
Speaker 1: think it's really cool to be surrounded by like minded people,

465
00:22:37,280 --> 00:22:39,960
Speaker 1: but at the same time, totally respect the boundaries of

466
00:22:40,000 --> 00:22:41,800
Speaker 1: other people. If they're not ready to share it, that

467
00:22:41,920 --> 00:22:42,920
Speaker 1: is totally okay.

468
00:22:43,080 --> 00:22:44,800
Speaker 2: Can I just add, though, if you do a similar

469
00:22:44,840 --> 00:22:46,760
Speaker 2: job or work at the same company, it's actually in

470
00:22:46,800 --> 00:22:49,920
Speaker 2: your interest to chat with people. So when you're negotiating

471
00:22:49,920 --> 00:22:52,560
Speaker 2: your salary, you go, well, I'm doing this job same

472
00:22:52,560 --> 00:22:54,399
Speaker 2: as that person. They're getting five grand more. Is there

473
00:22:54,440 --> 00:22:55,840
Speaker 2: any reason for that? Or can I have the same

474
00:22:55,880 --> 00:22:57,040
Speaker 2: pay and one hundred percent?

475
00:22:57,080 --> 00:23:00,000
Speaker 1: We need to normalize that. You know how many people like, oh, sorry,

476
00:23:00,160 --> 00:23:02,480
Speaker 1: you're not meant to talk about our salaries with your peers.

477
00:23:02,480 --> 00:23:04,200
Speaker 2: I bosso say that, and you're like, well, good for you, mate,

478
00:23:04,200 --> 00:23:05,920
Speaker 2: I'm going to yeah.

479
00:23:05,720 --> 00:23:07,960
Speaker 1: But some people have it in their contracts.

480
00:23:08,080 --> 00:23:12,520
Speaker 2: I've got a prickly question, Oh what is it? I

481
00:23:12,560 --> 00:23:15,440
Speaker 2: feel like this topic has read its head a few

482
00:23:15,440 --> 00:23:17,359
Speaker 2: times in this episode, so I'm just going to put

483
00:23:17,400 --> 00:23:19,760
Speaker 2: it on the table. And I'm not meaning to be rude.

484
00:23:19,880 --> 00:23:22,240
Speaker 1: This is coming as much was shocked to you as it.

485
00:23:22,160 --> 00:23:28,080
Speaker 2: Is to I. Money Diarist. Is it possible that we

486
00:23:28,240 --> 00:23:31,280
Speaker 2: have a slight bit of fomo issues to work through

487
00:23:31,359 --> 00:23:34,119
Speaker 2: because I feel like you've mentioned a few times my

488
00:23:34,240 --> 00:23:35,000
Speaker 2: friends are doing this.

489
00:23:35,119 --> 00:23:38,880
Speaker 1: She literally said she had POMO issues. You're listening, That's

490
00:23:38,920 --> 00:23:41,840
Speaker 1: why I'm following up. Yeah, but like it's not prickly

491
00:23:42,080 --> 00:23:42,879
Speaker 1: she mentioned it.

492
00:23:42,920 --> 00:23:44,359
Speaker 2: I'm just trying to ease the burden of what's an

493
00:23:44,359 --> 00:23:53,159
Speaker 2: all good question against as you have previously mentioned, is

494
00:23:53,200 --> 00:23:55,360
Speaker 2: that something you've kind of gone, oh, I've noticed this

495
00:23:55,520 --> 00:23:57,919
Speaker 2: about me. Like then that not that you have to

496
00:23:57,920 --> 00:23:59,879
Speaker 2: like fix it, but just being aware of foma off

497
00:24:00,080 --> 00:24:01,960
Speaker 2: and you know, helps you kind of go, oh, it's

498
00:24:01,960 --> 00:24:03,840
Speaker 2: not a huge deal. If I miss out on a

499
00:24:03,880 --> 00:24:05,960
Speaker 2: few things, yes.

500
00:24:06,000 --> 00:24:08,879
Speaker 3: But then I also feel like when I don't go

501
00:24:09,000 --> 00:24:11,959
Speaker 3: to things, I sort of regret it more. And I

502
00:24:12,000 --> 00:24:14,359
Speaker 3: look at my friends on Instagram and like seeing them

503
00:24:14,359 --> 00:24:17,600
Speaker 3: all together and everything that makes me feel worse than

504
00:24:17,640 --> 00:24:19,480
Speaker 3: if I went and spent like one hundred dollars on

505
00:24:19,720 --> 00:24:20,679
Speaker 3: drinks out or something.

506
00:24:21,240 --> 00:24:26,000
Speaker 1: Oh, you got to delete Instagram. That's why she's never

507
00:24:26,080 --> 00:24:27,000
Speaker 1: tagged anything.

508
00:24:28,280 --> 00:24:30,080
Speaker 2: I love that I would get rid of my FOMO,

509
00:24:30,200 --> 00:24:31,560
Speaker 2: but I just want to go to the party.

510
00:24:32,320 --> 00:24:35,240
Speaker 1: I also really like that that's been George's only comment

511
00:24:35,280 --> 00:24:37,440
Speaker 1: in this money diary. She sat back.

512
00:24:39,119 --> 00:24:39,800
Speaker 3: Drinking red.

513
00:24:39,840 --> 00:24:42,800
Speaker 1: But that stood out to me. I have words.

514
00:24:42,800 --> 00:24:45,679
Speaker 2: What's the opposite of fomo? I have this fear of

515
00:24:45,720 --> 00:24:48,280
Speaker 2: going to a party and at being crap is more

516
00:24:48,320 --> 00:24:48,880
Speaker 2: of going out.

517
00:24:48,960 --> 00:24:54,240
Speaker 1: I believe it's called I have that. I am genuinely

518
00:24:54,359 --> 00:24:59,399
Speaker 1: so introverted. Obviously, I'm quite extroverted in this situation because

519
00:24:59,440 --> 00:25:01,760
Speaker 1: it's just me, a microphone and people I really know.

520
00:25:02,119 --> 00:25:03,800
Speaker 1: But if you go, hey, Victoria, do you want to

521
00:25:03,800 --> 00:25:06,560
Speaker 1: go to this big party? I'm like, Aha, No, And

522
00:25:06,600 --> 00:25:08,119
Speaker 1: then I see it on the Instagram and I'm like,

523
00:25:08,160 --> 00:25:09,280
Speaker 1: glad I didn't go to that.

524
00:25:09,359 --> 00:25:13,119
Speaker 2: Could you imagine Victoria Divine at a music festival?

525
00:25:13,480 --> 00:25:15,920
Speaker 1: Literally not me. I would be like, can we go now?

526
00:25:16,200 --> 00:25:19,520
Speaker 1: Like I get antsy and need to leave. I'm just

527
00:25:19,640 --> 00:25:21,240
Speaker 1: the exact opposite of everybody.

528
00:25:22,640 --> 00:25:24,760
Speaker 2: When I worked with Sorry that money, do we have

529
00:25:24,840 --> 00:25:28,440
Speaker 2: just hijacked your money? When I worked with Tanya Hennessy

530
00:25:28,480 --> 00:25:30,000
Speaker 2: back in the day we went to Groove in the

531
00:25:30,000 --> 00:25:33,320
Speaker 2: movie guess what time she left? Time three thirty in

532
00:25:33,320 --> 00:25:33,960
Speaker 2: the afternoon.

533
00:25:34,359 --> 00:25:36,800
Speaker 1: I reckon we would have got along.

534
00:25:36,840 --> 00:25:39,080
Speaker 2: Really, you guys would have gone on, get busy, you

535
00:25:39,119 --> 00:25:39,679
Speaker 2: want to take.

536
00:25:39,560 --> 00:25:42,440
Speaker 1: Off see a couple of things, And I reckon, there's

537
00:25:42,520 --> 00:25:44,840
Speaker 1: time for her wine and a cheese.

538
00:25:44,560 --> 00:25:47,400
Speaker 2: Play somewhere else other than where other people are. Hey,

539
00:25:47,640 --> 00:25:50,720
Speaker 2: money Diarist, good luck with the rest of your studies.

540
00:25:50,880 --> 00:25:54,760
Speaker 1: You for joining us today to get me. Oh quick question,

541
00:25:54,840 --> 00:25:56,040
Speaker 1: what kind of doctor do you want to be?

542
00:25:56,880 --> 00:25:58,880
Speaker 3: I don't know. I get every day.

543
00:25:59,000 --> 00:26:01,440
Speaker 1: No, I assumed you and you know what. You don't

544
00:26:01,480 --> 00:26:03,840
Speaker 1: have to choose yet you get to do all year rounds.

545
00:26:04,200 --> 00:26:07,280
Speaker 3: Yeah, I think I'm not sure. I really like ostetrics

546
00:26:07,280 --> 00:26:10,160
Speaker 3: and gynecology at the moment, so that's sort of where

547
00:26:10,200 --> 00:26:12,520
Speaker 3: I'm leaning, but also haven't really made my mind up.

548
00:26:12,520 --> 00:26:14,480
Speaker 1: At the same time, you do not have to make

549
00:26:14,480 --> 00:26:16,399
Speaker 1: your mind up. I am just pervy and want to

550
00:26:16,400 --> 00:26:19,600
Speaker 1: know all the answer the questions. But thank you so

551
00:26:19,600 --> 00:26:22,240
Speaker 1: so much for joining us today. I'm genuinely so grateful

552
00:26:22,280 --> 00:26:24,440
Speaker 1: that people want to share their money diaries with us

553
00:26:24,480 --> 00:26:26,399
Speaker 1: because we get to learn and I think it's just

554
00:26:26,480 --> 00:26:29,919
Speaker 1: so special. So thank you, and I think that's all

555
00:26:29,920 --> 00:26:31,080
Speaker 1: we have time for for today.

556
00:26:32,000 --> 00:26:33,000
Speaker 3: Thank you so much.

557
00:26:35,040 --> 00:26:36,919
Speaker 1: Just before we head off, we'd like to acknowledge and

558
00:26:36,920 --> 00:26:40,440
Speaker 1: pay respects to Australia's Aboriginal and Torrest trade islander people's

559
00:26:40,640 --> 00:26:43,560
Speaker 1: the traditional custodians of the lands, the waterways and the

560
00:26:43,560 --> 00:26:46,720
Speaker 1: skies all across Australia. We thank you for sharing and

561
00:26:46,760 --> 00:26:48,879
Speaker 1: for caring on the land which we are able to learn.

562
00:26:49,160 --> 00:26:51,480
Speaker 1: We pay our respects to Elder's past and present, and

563
00:26:51,520 --> 00:26:54,600
Speaker 1: we share our friendship and oug kindness. Now, the advice

564
00:26:54,640 --> 00:26:57,240
Speaker 1: shared on She's on the Money is generally nature does

565
00:26:57,280 --> 00:27:00,679
Speaker 1: not consider your individual circumstances. She's on the Money exists

566
00:27:00,720 --> 00:27:03,640
Speaker 1: purely for educational purposes and should not be relied upon

567
00:27:03,640 --> 00:27:06,320
Speaker 1: to make an investment or a financial decision. And now

568
00:27:06,440 --> 00:27:09,520
Speaker 1: we do promise I am an authorized representative of Australia

569
00:27:09,560 --> 00:27:13,080
Speaker 1: Pacific Funds Management Proprietor Limited ABM three four one three

570
00:27:13,080 --> 00:27:15,720
Speaker 1: two four six three two five seven, I ever sell

571
00:27:15,800 --> 00:27:18,520
Speaker 1: three three nine one five one. And thank you as

572
00:27:18,560 --> 00:27:21,000
Speaker 1: always to our dream team Ryan and Beck for pulling

573
00:27:21,000 --> 00:27:22,280
Speaker 1: this shiny episode together