Speaker 1: She's on The Money Radio Show with Victoria Divine starts now,
Speaker 1: Hello and welcome to that. She's on The Money Radio
Speaker 1: Show podcast, The radio show podcast for millennials who want
Speaker 1: financial freedom.
Speaker 2: Hello, v good morning, my friends.
Speaker 3: Hello, Mitch, Hello, Trav Hello you listen here? Yes, I
Speaker 3: will do a down to an Abbey impression for the
Speaker 3: entire podcast.
Speaker 2: How did you win Presenter of the Year.
Speaker 3: Honestly, I don't know.
Speaker 2: We're as confused as you are, my friends.
Speaker 3: Maybe they just it was a la la land Oscar's moment.
Speaker 3: Ben Fordham announced my award and the accidentally called out
Speaker 3: the person in her which is me, and I didn't
Speaker 3: actually win.
Speaker 1: Sounds like ben Fordham.
Speaker 4: Nah, he would absolutely have meant you, and if you
Speaker 4: didn't win, he still gave it to you.
Speaker 3: I was going to say something there, be polite, please,
Speaker 3: But isn't it crazy. We've got award winning Victoria Divine,
Speaker 3: the award winning Mitch Jury, and then we also have
Speaker 3: trevorro Bucket.
Speaker 2: It's just award giving.
Speaker 1: Oh god, the v I.
Speaker 3: Will say, no, Travis very giving. Victoria. Did he show
Speaker 3: you a photo of the vibrator that lives in his house?
Speaker 2: He did? He did if you're listening, you have been outed.
Speaker 1: Showed you a little cheeky plugs. You might get a
Speaker 1: new one for free.
Speaker 4: Yeah today, all right, moving on, we had a great show.
Speaker 2: We had a really good show this week. Well, we
Speaker 2: talked about Black Friday.
Speaker 4: Turns out I shouldn't have even come because you guys
Speaker 4: already knew exactly what Black Friday is and what was
Speaker 4: going on.
Speaker 1: Turned out she was saltier than those Sultan vinegar chips
Speaker 1: on the table that she is smashing down right now.
Speaker 1: When I told her, guess correctly where I thought Black
Speaker 1: Friday came from.
Speaker 4: I am actually very salty, a little bit vinegary, But honestly,
Speaker 4: there's not a better combo coconut sugar and a dag
Speaker 4: of cheese.
Speaker 1: Are you still doing that lime stuff that you're putting
Speaker 1: into mate, by the way.
Speaker 4: Yeah, true lime brought that in. I have this like
Speaker 4: lime powder. It does look kind of creepy when I
Speaker 4: ripped the tab off and put it in my coke,
Speaker 4: But I'm on lime flavored coke.
Speaker 2: It's elite.
Speaker 3: Yeah.
Speaker 1: But no Black Friday sales we were talking about, because
Speaker 1: you know, you always sit there and you're like, oh
Speaker 1: my god, I'm going to save so much money, and
Speaker 1: then I sit there and I go, I can't find
Speaker 1: anything decent, like what's going on here?
Speaker 4: And then you get foma because you think you've missed out.
Speaker 4: And then like later at a dinner or something, someone says, oh, yeah,
Speaker 4: I got this on Black Friday, and you're like, oh,
Speaker 4: I wish I got that on Black Friday.
Speaker 1: Well, we solve that for you because you have some leaks.
Speaker 1: I was going to say, some sneaky little tips. But
Speaker 1: that's what we do in the Super Savis Saturday segment.
Speaker 1: Founers some sale leaks we did.
Speaker 4: We've rounded them up and shown you our best ones,
Speaker 4: from active wear to buying a kettle. I think we've
Speaker 4: got everything in between as well.
Speaker 1: I was going to say, not only with the Black
Speaker 1: Friday sales, guys, we are going to show you where
Speaker 1: you can get free underwear as well, because we played
Speaker 1: a little yeah remember with the uh chosen not to remember.
Speaker 1: Tell them they're dreaming they were forty dollars.
Speaker 2: That's expensive. Oh the next one.
Speaker 4: See kay, But you do have to out yourself. Yeah,
Speaker 4: you have to out yourself to get your nickers back.
Speaker 1: Thank you for coming to rehearsals. A little bit earlier,
Speaker 1: Victoria Divine, that'll sound lovely. Will we edits together? But no,
Speaker 1: I think we're pretty much done here. Mitch. You even
Speaker 1: still here? Make you seem like you're there. He is.
Speaker 1: I'm done.
Speaker 3: I'm done.
Speaker 2: Let's get into the show.
Speaker 1: Want more friends?
Speaker 2: We don't?
Speaker 1: We really don't?
Speaker 4: You keep it because a trend going around TikTok at
Speaker 4: the moment that says, if someone got your nudes, like
Speaker 4: what would they hold them ransom for and spread them?
Speaker 4: They're not gonna be that good. It's like when people
Speaker 4: ask for a ransom for me.
Speaker 2: She's like, keep it.
Speaker 3: Honestly, Wait before we go into the podcast. The radio show,
Speaker 3: we have an exclusive optics hacker is called Through.
Speaker 4: You're canceled, Mitch Duri. You are canceled. Let's get on
Speaker 4: the show. That was terrible week, guys.
Speaker 1: Let's start the She's on the Money radio show right now,
Speaker 1: Saturday morning, right across the country. It's She's on the
Speaker 1: Money radio show with Australia's number one finance podcaster, Victoria
Speaker 1: Divine mixtury as well. And guys, this Friday, you got
Speaker 1: to be excited about this Black Friday sale stuff.
Speaker 2: I am not excited.
Speaker 4: Should I be excited about a sale where people spend
Speaker 4: money they didn't need to spend?
Speaker 3: Oh?
Speaker 1: Good point?
Speaker 3: Maybe y yeah. Hold on, I'm the one that brings
Speaker 3: the excitement because I'm the one that's a stupid spender.
Speaker 3: Big She's never going to be excited about this, Trav,
Speaker 3: because I'm the one who spends my money nothing in savings.
Speaker 3: I ord uber eats every second night, and of course
Speaker 3: I'm staying up till the crack of dawn on the
Speaker 3: twenty fifth.
Speaker 2: Do you guys actually know why Black Friday is called
Speaker 2: Black Friday?
Speaker 1: I think it might be something to do within the
Speaker 1: black money wise?
Speaker 2: What does in the black money wise mean?
Speaker 1: When you're in the red you owe money or you've
Speaker 1: lost money, and when you're in the black you gain money.
Speaker 2: Yeah okay, and what about you me sure you reckon?
Speaker 3: That's so funny. I think it's because black credit cards
Speaker 3: mean you're rich. So it's oh yeah, what does it mean?
Speaker 3: What's the real history?
Speaker 4: Well, I'm actually a little bit salty because Trav was
Speaker 4: literally on the money.
Speaker 1: Come on, So.
Speaker 4: I'm very sulshy because I was like, oh, like, you
Speaker 4: shouldn't have got that.
Speaker 2: So who's on the money. It's not she, it's he.
Speaker 2: He's on the money.
Speaker 1: One win for the boys, Mitchie.
Speaker 4: But we also do have some hot tips today because
Speaker 4: I think it's one thing to have a Black Friday sale,
Speaker 4: but another to actually make hay while the sun is
Speaker 4: shining and go all right, well what did I need
Speaker 4: to buy? Have I got my Christmas licks written and
Speaker 4: checked twice? Am I actually going to the shops for
Speaker 4: things I need? Or am I just buying into the
Speaker 4: hype that things are going to be discounted and I
Speaker 4: don't want to miss out?
Speaker 2: So we don't want FOMO at this point of the year.
Speaker 4: We actually want to be really planning out and structuring
Speaker 4: our purchases if we're planning on making them, because who
Speaker 4: doesn't want to save money on purchases you were already
Speaker 4: going to have to make?
Speaker 3: No? I agree, I know. I just think the most
Speaker 3: important thing is to research right, buy one thing, and
Speaker 3: then I reckon tap out, don't you think?
Speaker 2: I one hundred percent agree.
Speaker 4: I feel like we can really buy into the hype,
Speaker 4: though emotionally you're like, oh my god.
Speaker 3: No.
Speaker 4: You might go to like Chadstin or something and do
Speaker 4: some shopping and your friend's like, oh, I'm done, Do
Speaker 4: you want to go home? And you're kind of like
Speaker 4: getting that fomo of like maybe you didn't get a
Speaker 4: good enough discount or maybe you didn't buy enough stuff,
Speaker 4: And I just think we really want to avoid that
Speaker 4: this year by making sure that one we have a budget,
Speaker 4: we're sticking to it, we have the things in mind
Speaker 4: that we are purchasing. Writing a list can really help.
Speaker 4: I know that going to the shops, you probably already
Speaker 4: know what you're gonna buy because you've been thinking about
Speaker 4: it for ages. But a guarantee writing it down is
Speaker 4: going to mean that when you walk straight out of
Speaker 4: one shop instead of diving into the next one that
Speaker 4: has the biggest red balloons out the front, you're gonna go,
Speaker 4: all right, well, I do need to go to this
Speaker 4: next shop because that's the thing that we're buying next,
Speaker 4: or that's the thing that we're doing. Sticking to a
Speaker 4: budget really important, but make a reasonable one. Google the
Speaker 4: product beforehand, and what your hopeful discount is going to be.
Speaker 4: Kind of have a cutoff zone, so like if it's
Speaker 4: not discounted by X, I'm not going to buy it.
Speaker 4: So say you're hoping for a twenty percent discount and
Speaker 4: it's only discounted by five Are we actually still buying
Speaker 4: that or are you in the moment just going to
Speaker 4: be a.
Speaker 2: Bit trigger happy and go oh whatever, I'll just get it.
Speaker 4: Sign up to the email lists of the companies that
Speaker 4: you are planning on buying from, because you might CONNECTRA
Speaker 4: five percent, or you might get an early release so
Speaker 4: they might go oh, to all our email subscribers. We're
Speaker 4: going to let you know about the discount code early
Speaker 4: so you don't have to get up, you don't have
Speaker 4: to be involved in the rush. You can put your
Speaker 4: order in and put your feet up on Black Friday.
Speaker 1: And to help you with that coming up in Super
Speaker 1: Saver Saturday, we found some sales that have actually leaked early.
Speaker 1: We're going to tell you what the best ones are.
Speaker 1: Let's get involved in this dream.
Speaker 3: Guys. I know we've all done this. We've all been
Speaker 3: there listening in your cars or listening at home on iHeartRadio.
Speaker 3: I know you've had this experience. Even if you're not
Speaker 3: a Facebook marketplace shopper. You're scrolling through Facebook and you
Speaker 3: get the ads for random marketplace items. It's like a
Speaker 3: gum tree. Everyone sells on Facebook marketplaces, and one of
Speaker 3: our favorite things to do here on the show is
Speaker 3: to tell their dreaments.
Speaker 4: We've got some screamers today. Honestly, I am glad we
Speaker 4: haven't done this in a few weeks because I feel
Speaker 4: like we've built up the best of the best for this.
Speaker 3: Well, we just get stupid things that people have sold
Speaker 3: and tell them that dreaming because the money they ask
Speaker 3: for these items are ludicrous. I'll start. This is listed
Speaker 3: over a week ago in Dunedin. It's a photo of
Speaker 3: how many are there? One to eleven?
Speaker 2: Eleven so far?
Speaker 3: Eleven there's naturally shared cat whiskers fifty cents each of
Speaker 3: five dollars for the lot. I didn't realize there was
Speaker 3: a market for them.
Speaker 2: I'm unaware of a market for that.
Speaker 4: I feel uncomfortable about it because one, we don't even
Speaker 4: know what the cat looks like. We don't know if
Speaker 4: he consents to his whiskers being sold. Does he financially
Speaker 4: benefit from this or no? Like is it going to
Speaker 4: his retirement fund? Like?
Speaker 2: What is happening to the cat?
Speaker 3: Who is going to his super exactly?
Speaker 2: Is somebody else?
Speaker 3: This could also be pubes yea honestly, but speaking more human.
Speaker 2: I have two cats. I do find these around my
Speaker 2: house on occasion.
Speaker 4: Usually I just sucked them up with the vacuum cleaner,
Speaker 4: like I would say every other normal person does.
Speaker 2: But maybe there's people who collect cat whiskers.
Speaker 3: Right, you slide into Dunedin's a DM, I will, I will, I've.
Speaker 4: Got another one for you. And I think you guys
Speaker 4: might actually get a kick out of this. I went
Speaker 4: to Score in the morning to Peninsula bush Land, very fun.
Speaker 4: There were lots of you know what a cicada is
Speaker 4: or a cicata?
Speaker 1: Is?
Speaker 2: There an argument gonna.
Speaker 1: Ensue grasshopper thing?
Speaker 2: Yeah, little grasshopper thing. But do you remember they used
Speaker 2: to shed their shells and.
Speaker 3: You used to put them on your shirt like a brooch.
Speaker 2: Yes, exactly.
Speaker 4: So some adult has going with this corn and collected
Speaker 4: all of the cicada shells and they have made a
Speaker 4: Christmas wreath out of it. So it is a wreath
Speaker 4: bug art and you could put it on your door
Speaker 4: coming up to this festive season. How much would you
Speaker 4: pay for a wreath of cicada shells? I honestly would
Speaker 4: estimate that there's more than one hundred cicada shells on
Speaker 4: this wreath.
Speaker 3: My sucker for Australiana. I paid twenty five dollars no more.
Speaker 2: Oh, I'm really excited about this. Fifty bucks. What are
Speaker 2: money in?
Speaker 4: It's actually unlocked a really good memory for me of
Speaker 4: being traumatized during my childhood. Speaking of traumatized from a childhood, Mitch,
Speaker 4: what is your next Facebook?
Speaker 1: Mark?
Speaker 2: The place find?
Speaker 3: That's a seaway God, she's married and all of a
Speaker 3: sudden she's a whipping out of the gear. All right,
Speaker 3: So this is from you know those pop funk dolls.
Speaker 3: They're begging like zing and eb games, and they're like
Speaker 3: little characters of pop culture icons.
Speaker 1: It's kind of like little bobbleheads. Yeah, the little bubble head.
Speaker 3: You get them in the little box and you can
Speaker 3: collect them, right, And this one is a pop vinyl
Speaker 3: of my dad. That's the description, And of course the
Speaker 3: box is empty. There's no one in there because the
Speaker 3: dad was just going out for smokes and never returned.
Speaker 3: So that's fifteen dollars they're asking. That's funny. That almost
Speaker 3: seems like a practical joke. I actually would pay that
Speaker 3: just for that game, to be honest.
Speaker 2: I think it's quite funny.
Speaker 4: It's the present you could get someone when they said,
Speaker 4: don't worry about getting me a present for.
Speaker 1: Christmas, just like the dad who probably went out for
Speaker 1: smokes paying for nothing.
Speaker 2: Oh nice, this.
Speaker 3: Is She's on the Money radio show. Yeah, Victoria Devine
Speaker 3: to the rescue. Every week we bring a sugar Babies
Speaker 3: financial story on air, we get Victoria's advice on what
Speaker 3: they should do. So Sarah sent us a DM She
Speaker 3: wants to know about the seven streams of incomes to
Speaker 3: become a millionaire, which victory is like a thing. People
Speaker 3: are talking about things right.
Speaker 4: They say that the average millionaire has seven different streams
Speaker 4: of money coming into their account. So they might have
Speaker 4: a job, a side hustle, you know, an investment portfolio.
Speaker 2: It's lots of different places, lots of.
Speaker 4: Different money coming in. It's not just one stream of
Speaker 4: income that's a million dollars. Yeah.
Speaker 3: Anyway, we have Sarah who asks, hi, V, I've always
Speaker 3: heard that the average millionaire has around seven streams of income.
Speaker 3: I currently have free my salary from two jobs and
Speaker 3: a side hustle. They take up a lot of my time,
Speaker 3: and while I do love to work hard, I know
Speaker 3: it's important to have a little work life balance. So
Speaker 3: I'm trying to add at least one or two more
Speaker 3: in the next year, but they seem so unachievable. She's
Speaker 3: currently got twenty k in savings, an average of around
Speaker 3: eight hundred to one thousand per month indisposable income. How
Speaker 3: can I realistically add my streams of income? And what
Speaker 3: would be the most achievable stream to focus on in
Speaker 3: my current situation.
Speaker 4: I feel like this is a good question, but trav
Speaker 4: is looking at me like he knows I'm about.
Speaker 2: To go row, which is not wrong, because I am.
Speaker 4: It really sits not that well with me to say
Speaker 4: you need seven different streams of income, because I feel
Speaker 4: like that's really unachievable. And I also don't believe in
Speaker 4: spreading yourself so thin that maybe you're only subpar at
Speaker 4: seven different things instead of absolutely killing it one or two.
Speaker 4: It just gives me the wrong idea because the second
Speaker 4: I say to you, guys, Mitch, like you're one of
Speaker 4: the biggest tussles I know, like you're on every single
Speaker 4: bloody radio show under the sun. But I would argue
Speaker 4: that you don't even have seven income streams and it's
Speaker 4: just really unachievable, Like it feels like that's so far away,
Speaker 4: whereas we can actually achieve financial freedom and become a
Speaker 4: millionaire if you want to become one, if you start
Speaker 4: early enough. Because there's a stat that I roll out
Speaker 4: on my podcast all the time, and it might not
Speaker 4: be that relatable. Obviously, the stakes are going to change
Speaker 4: depending on your age. But if you are twenty one
Speaker 4: years old and start investing five hundred dollars each and
Speaker 4: every single month at an average rate of return of
Speaker 4: seven point five percent, would be about three hundred and
Speaker 4: sixty thousand dollars, which sounds good, But if you'd invested it,
Speaker 4: it's one point three five million dollars. That's a million
Speaker 4: dollars of money that your money made for you just
Speaker 4: by investing. So you can become a millionaire without adding
Speaker 4: an additional stream. And I really feel like here the
Speaker 4: additional stream should be investing because it's actually accessible to everybody.
Speaker 4: It's not something that is only accessible to the reach anymore.
Speaker 4: I feel like that's a very old school way of
Speaker 4: looking at it nowadays. I'm not promoting Chaisey's I have
Speaker 4: worked with them, let's just be very very clear about that.
Speaker 4: But Chezy is an investment platform where you can invest
Speaker 4: with as little as one cent, because there are a
Speaker 4: lot of other platforms where they're like, oh, you need
Speaker 4: to start with five hundred dollars, or you need to
Speaker 4: start with fifteen one hundred dollars, or to see a
Speaker 4: financial advisor could cost you thousands. And I feel like
Speaker 4: that has locked a lot of people out of the
Speaker 4: market right. But nowadays one cent you can start investing
Speaker 4: and say that you're investor in the share market and
Speaker 4: actually start getting ahead. So if you want some advice
Speaker 4: on where you should be going, I think making sure
Speaker 4: that you're making your money work as hard as you
Speaker 4: are for it is the important thing. And Sarah, it
Speaker 4: sounds like you are working really hard for it, but
Speaker 4: they're not putting your money to work. And that's where
Speaker 4: I would be focusing it instead of going I need
Speaker 4: another side hustle because what we want is more time
Speaker 4: with more return, not less time on our plate, because life.
Speaker 2: Isn't just about money.
Speaker 4: Mic drop, Okay, see you later. So I get to
Speaker 4: be done. I've got half a pack of so many
Speaker 4: and ship. You're sitting on this desk, but I would
Speaker 4: love to smash through.
Speaker 1: We've got another fifteen minutes. Super Saver Saturday is coming
Speaker 1: up next. Black Friday Sales start this Friday, Simper Savers Saturday.
Speaker 3: So we do this every week. It's how we end
Speaker 3: the show. Like to send you off on a good note.
Speaker 3: Super Savers Saturday is tips you can you can apply
Speaker 3: to your everyday spend routine and save some cash. This
Speaker 3: week we're talking Black Friday sales because it's happening next Friday.
Speaker 3: Black Friday, which is a very American thing, but I
Speaker 3: feel over the years it's infiltrated to the Australian market
Speaker 3: and we will save v rapel Calloween.
Speaker 2: Do you guys know none of this is sponsor. We're
Speaker 2: not that big.
Speaker 4: We are giving free promo to literally anyone who's going
Speaker 4: to give our community a good discount. So I'll be
Speaker 4: hitting up Mayer because apparently they've got up to fifty
Speaker 4: percent off a whole heap of stuff. One of my
Speaker 4: other favorites is the iconic thirty percent off Mitch, what
Speaker 4: have you got your eyes on?
Speaker 3: Listen? I love tech and I also love a good
Speaker 3: clothing shop. So I have heard through the grapevine that
Speaker 3: Amazon Australia are doing twenty percent off air pods and
Speaker 3: I live with my AirPods.
Speaker 2: Oh that's a good deal.
Speaker 3: Actually, they're good for when you just like on walks
Speaker 3: or keep them in your pocket and when someone calls
Speaker 3: you throughout the day, pop me in your ears. Then
Speaker 3: you can still drive, you can still do things. Love
Speaker 3: my AirPods. So twenty percent off on Amazon Australia and
Speaker 3: that apparently thirty percent off a range of GHD products,
Speaker 3: which is hair like I've got a GHD blow dryer.
Speaker 2: And that's not bad at all.
Speaker 4: I know that UDI is having up to fifty percent
Speaker 4: off and I've always wanted an Udy do not have
Speaker 4: andv no.
Speaker 2: I don't. It's crazy.
Speaker 4: But also LSKD, which is an active web brand that
Speaker 4: I am obsessed with. I basically own everything that they
Speaker 4: have released. They have announced that they are having a
Speaker 4: really big sale and they say that their discounts so
Speaker 4: good that they haven't told us yet, So I mean
Speaker 4: that better be worth the hype LSKD because I literally
Speaker 4: put you on radio to talk about it. But the
Speaker 4: other thing I wanted to plug here before is a
Speaker 4: platform that we've talked about a million times before that
Speaker 4: already has the iconic Adore added ass Maya. It has
Speaker 4: basically everything you want on.
Speaker 2: It shop Back.
Speaker 4: So if you're not using shop back during this period
Speaker 4: of time and you are shopping online, my friend, you
Speaker 4: have rocks in your head because they are going to
Speaker 4: not only give you access to these discounts which you
Speaker 4: could already get on their websites, that's okay, they're going
Speaker 4: to give you further cash back or rewards. And they've
Speaker 4: also announced that they are going to give some people
Speaker 4: one hundred percent cash backs.
Speaker 2: How good's that?
Speaker 3: What does that mean? Means?
Speaker 2: Basically be free just by using their platform?
Speaker 3: A free That is the way to my heart. I'll
Speaker 3: tell you what.
Speaker 4: Honestly, I am ten out of ten there again, not sponsored,
Speaker 4: just good.
Speaker 2: I've worked with a shot Back for a number of
Speaker 2: years now. Not on the radio.
Speaker 4: We'll try for that for twenty twenty three when we
Speaker 4: shot Back. But I feel like they deserve that shout
Speaker 4: out because it's going to save so many people, so
Speaker 4: much more money than just what you'll get on the
Speaker 4: actual sales.
Speaker 3: Agreed also last one forty percent off added ass which
Speaker 3: are my natural.
Speaker 2: We can get that tracksuit, the matching.
Speaker 3: Tracksuit I got. Oh, we're got to get the ones, okay.
Speaker 3: Victoria Trapp and me. We all get the matching track
Speaker 3: suits with the pops on the side. When the show ends,
Speaker 3: we just we pop them off.
Speaker 4: You've been doing you've been doing magic Mike dancing classes,
Speaker 4: so you can show us how to use the Mitch.
Speaker 1: Mate. Let's practice for that right now because we do
Speaker 1: have to get out of here. It is the end
Speaker 1: of the show.
Speaker 3: Until notice, Victoria. Sorry, how Trav didn't say yes, He
Speaker 3: just wrapped us up.
Speaker 1: He's just see it. No, Well, I mean, I'm just
Speaker 1: trying to be nice to you, mate. But anyway, if
Speaker 1: you have a question and you want any advice, you
Speaker 1: can hit us up anywhere on Socials just search. She's
Speaker 1: on the money, mate. You've got to stick around, Mitch Cherry.
Speaker 1: You're doing the Life Uncut show next. Victoria and I
Speaker 1: are going to go dance our little heart sounds
Speaker 2: Imagine tracksuits right, Yes, I see you then, But