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Speaker 1: She's on the Money.

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Speaker 2: She's on the Money.

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Speaker 3: Hello and welcome to She's on the Money, the podcast

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Speaker 3: for millennials who want financial freedom.

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Speaker 1: This is our Friday Drinks episode where.

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Speaker 3: We celebrate the money wins from our She's on the

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Speaker 3: Money community. There are so many great money wins and

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Speaker 3: confessions that are shared every single week in our Facebook group,

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Speaker 3: and our team spend a very big portion of each

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Speaker 3: day talking about you guys on our slack chat and

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Speaker 3: how impressed we are with your money wins. So it

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Speaker 3: only feels fair to share all of that info with you,

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Speaker 3: even though we are still recording remotely. We are celebrating

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Speaker 3: you and this episode is entirely for you, so sit

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Speaker 3: back and hopefully enjoy it. Friday is about celebrating our

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Speaker 3: community and having more positive and constructive conversations around money.

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Speaker 3: So let's jump straight into it. Tony, you are here

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Speaker 3: this week. What was this week's money Darry About?

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Speaker 4: This week, we chatted to a young woman who quite

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Speaker 4: a few years ago took off overseas, like quit her

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Speaker 4: day job, took off and started working in a monastery

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Speaker 4: and fell in love with a boy and at a

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Speaker 4: monastery at a monastery who he was not a monk.

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Speaker 5: I was going to say, is that street.

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Speaker 4: He was also volunteering. It's okay, all checks out, and

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Speaker 4: we did check it out.

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Speaker 1: We did us.

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Speaker 3: We asked a lot of questions, a lot of real

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Speaker 3: perfect questions where they hold up you met at a

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Speaker 3: monastery and we're expected to believe this, and.

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Speaker 4: Ryan, you should know, because don't you listen to all

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Speaker 4: of our episodes?

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Speaker 6: I do?

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Speaker 3: Okay, So right, what was it about this week the

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Speaker 3: monastery and then what happened?

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Speaker 1: What's her job now? Ryan?

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Speaker 7: Her job is just to live her best life and

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Speaker 7: she continues to do so.

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Speaker 4: I mean, she most correct, almost correct yet apart from

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Speaker 4: the thing, apart from how.

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Speaker 1: She's about to become a priest.

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Speaker 5: That being the thing.

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Speaker 4: So her mom took out her mom took out a

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Speaker 4: massive loan to get her home and fill out you know,

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Speaker 4: a partnership visa and all of that, and went into

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Speaker 4: a bit of debt over it. And yeah, she paid

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Speaker 4: off all the debt and now she's about to become

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Speaker 4: a priest. And it was really cool, so cool. So

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Speaker 4: because this week our money, Doris was a priest, and

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Speaker 4: the week before that we had a stripper. So it

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Speaker 4: was amazing.

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Speaker 1: We literally we can't predict it.

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Speaker 3: I really loved that Tony because I felt like she

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Speaker 3: was just so open and honest and kind, and the

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Speaker 3: fact that her and her partner both want to become

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Speaker 3: priests and feel like they have this wholesome, exciting lives,

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Speaker 3: and I just, I honestly loved hearing her story. And

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Speaker 3: we talked about the episode where we had our friend

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Speaker 3: the stripper on and she was just like yep. I

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Speaker 3: loved that she was, you know, living her best life

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Speaker 3: and felt really confident in herself, and I just felt

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Speaker 3: like it was an important story to share because we

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Speaker 3: all come from such diverse backgrounds and have different experiences,

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Speaker 3: but we all kind of relate and we all have

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Speaker 3: something in common and we're all kind of working here

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Speaker 3: at She's on the money towards a very common goal,

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Speaker 3: which is just feeling heard and feeling understood and you know,

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Speaker 3: being on the same page when it comes to finances

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Speaker 3: and you know, being empowered. So I loved that Money

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Speaker 3: Diary for that reason.

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Speaker 4: She was also a mega investor. She's invested like so

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Speaker 4: much money, She's got a crazy investment profile. Like she

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Speaker 4: honestly a really really interesting person. So if you're interested whatsoever,

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Speaker 4: which you definitely would be from hearing that, have a

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Speaker 4: listen to this week's money Tarry because it was like

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Speaker 4: a rollercaster.

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Speaker 1: It really was.

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Speaker 3: It really was, And I didn't know anything about it

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Speaker 3: before we did it, and I was just like, wait,

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Speaker 3: what you're doing?

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Speaker 1: What?

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Speaker 3: So it was very exciting and it was kind of like, oh,

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Speaker 3: I met my partner at a monastery and I was like,

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Speaker 3: hold up, friend, why were you at a monastery? She's

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Speaker 3: like okay, well, and it just it didn't take the

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Speaker 3: turns I expected. But I'm just so grateful for that story.

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Speaker 3: I feel like we learn a lot from it. Georgia,

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Speaker 3: did we have just as interesting a deep Wednesday?

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Speaker 6: Maybe not as interesting, but I think it was still

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Speaker 6: pretty good. Hoes with me, Ah, it.

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Speaker 1: Was pretty good.

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Speaker 3: It was pretty good for those who missed it. What

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Speaker 3: did we miss out on this week?

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Speaker 6: This week we spoke about career changes, which is something

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Speaker 6: I think a lot of people in our community are

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Speaker 6: really well. It's a conversation that we have a lot

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Speaker 6: because careers, I guess, is something that we have to

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Speaker 6: pick when we're in year twelve and like we're seventeen,

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Speaker 6: we don't know what's going on, so we kind of

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Speaker 6: we spoke about how to figure out where you want

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Speaker 6: your career to go if you do want to change it.

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Speaker 3: I feel like it was another one of those episodes

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Speaker 3: that was really impactful, but still a little bit fluffy,

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Speaker 3: not in a bad way, just more around. You need

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Speaker 3: to be empowered, you need to be confident, You need

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Speaker 3: to follow your dreams and what you want to do,

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Speaker 3: not necessarily worry so much about what other people are doing,

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Speaker 3: which I feel like so many of us need at

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Speaker 3: this point, especially coming up to midyear when we're talking

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Speaker 3: about inter financial years. Just I feel like it's on

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Speaker 3: everybody's minds if they're not that comfy in their career

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Speaker 3: or their job, they are thinking like, oh, it's been

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Speaker 3: nearly six months. Oh my gosh, I can't believe it's

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Speaker 3: been six months. Because even me, who adores my job,

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Speaker 3: I'm still like, what, it's been six months.

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Speaker 1: It's June. That's crazy.

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Speaker 3: So I think it's a good time to have that conversation.

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Speaker 3: But also from our Facebook group perspective, there's been a

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Speaker 3: lot of career questions coming up and a lot of

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Speaker 3: people wondering what they should be doing as next steps

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Speaker 3: or you know, how do they navigate this? So it

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Speaker 3: just felt really well timed and I think you're a

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Speaker 3: good person to have that combo with it.

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Speaker 6: Yeah, Well, we spoke about why it's so important not

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Speaker 6: to just quit your day job right now, because it's

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Speaker 6: really important that we stay on top of our finances,

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Speaker 6: get those bills paid. But we spoke about strategies for

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Speaker 6: how you can go about starting that little next venture

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Speaker 6: if that is what you want.

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Speaker 1: Yeah, So it's a good episolutely.

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Speaker 3: I think something that's really important to touch on if

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Speaker 3: you did miss the episode is just that piece around.

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Speaker 3: It's actually really entitled to think you can quit your

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Speaker 3: job job and just go from there, like not many

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Speaker 3: people are in the position where they can quit their

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Speaker 3: job and just find their dream job, and that being

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Speaker 3: okay with your job at the moment is really cool.

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Speaker 3: And don't be worried if you're not where you want

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Speaker 3: to be right now, because that's the space where you

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Speaker 3: get to dream about the person you want to become,

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Speaker 3: and you get to create that person and you know,

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Speaker 3: plan for that reality in the walls that you're surrounded

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Speaker 3: with right now might not be the walls you want

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Speaker 3: to be surrounded.

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Speaker 1: With forever, but you actually get to plan.

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Speaker 3: That future from those walls, and you can't actually make

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Speaker 3: a plan unless you create that plan. And those walls,

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Speaker 3: as much as they're the walls that you feel kind

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Speaker 3: of trapped by right now, they're the ones that are

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Speaker 3: going to support the ideas that your future becomes. And

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Speaker 3: I think that that was a really important point because

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Speaker 3: you know, you might be in a space that you're

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Speaker 3: just not that comfy or happy, and I think that

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Speaker 3: a lot of people are going through that feeling right now.

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Speaker 3: But if you start planning and start creating, you're going

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Speaker 3: to feel super comfy later and you'll look back and

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Speaker 3: be like, Wow, I'm so grateful for these experiences and

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Speaker 3: things I've gone through.

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Speaker 6: Yeah, beautifully put their v also spoke about how FOAMO

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Speaker 6: can really play into making career decisions and how Instagram

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Speaker 6: comes into it as well. So if you guys did

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Speaker 6: miss that episode, I would definitely recommend going back and

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Speaker 6: having listen.

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Speaker 3: I agree, now, Jess, we usually throw to you, what

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Speaker 3: are we drinking this week?

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Speaker 1: My friend?

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Speaker 8: Well, we're all in lockdown, so I have amandain juice

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Speaker 8: that I'm drinking that but rightnin juice.

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Speaker 1: Is not a thing. Where did you even buy that? Chess?

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Speaker 5: Come on, yes, I know I.

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Speaker 1: Who does that? What kind of savage are you?

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Speaker 2: You are bought at home in lockdown A feeling real

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Speaker 2: attacked right now.

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Speaker 8: But Ryan, you were chatting us up about a little

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Speaker 8: something that you had going on drinks. It sounds a

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Speaker 8: little more interesting than my amandain juice.

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Speaker 1: What do you mean I've got a drink bottle? Is

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Speaker 1: that not good? Tony and I have matching drink bottles.

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Speaker 7: So our glorious leader Victoria Divine bought a lot of

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Speaker 7: us on the team a provad or fancy dinner thing

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Speaker 7: last week, which is awesome.

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Speaker 3: Oh yeah, just so you know, I am a really

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Speaker 3: good person, Like I bought you guys vouchers for food.

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Speaker 1: Does it get better than that?

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Speaker 7: It does because you can add to it. I want

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Speaker 7: to send a shout out to the Everly Bottling Co.

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Speaker 5: And I'm showing you.

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Speaker 7: Guys on our screens as we're chatting. I got an

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Speaker 7: old fashion but there's heaps of these little pre made

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Speaker 7: cocktail little bottles and they're just like a bunch of

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Speaker 7: guys and girls in Collingwood. And because everyone's in lockdown,

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Speaker 7: they're making these like fun little takeaway packs and they

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Speaker 7: come in as you guys can see these fun little bottles.

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Speaker 5: They had all these different sorts. So the Everly.

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Speaker 7: Bottling Co and like I said, just a little Melbourne

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Speaker 7: business with a whole bunch of bar staff that are

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Speaker 7: out of work. So it's good that they can keep

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Speaker 7: busy and keep working and doing stuff. So we're all

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Speaker 7: in lockdown and separated from each other. But that's that's

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Speaker 7: our little.

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Speaker 3: Fun drink put in the show notes. So you guys

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Speaker 3: can support them as well, because the bomb them up. One,

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Speaker 3: those bottles are really cute. Two cocktails are really important

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Speaker 3: and really important for our mental health during lockdown. But three,

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Speaker 3: I think Jess and I are actually eyeing those bottles

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Speaker 3: off because they would actually.

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Speaker 1: Be perfect to propagate plants with.

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Speaker 3: So for anybody who read my mind, yeah, anybody who's

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Speaker 3: just been looking for the perfect bottle to stick your

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Speaker 3: cuttings in so that they can propagate, I feel like

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Speaker 3: that would be the piece to resistance kind of bottle.

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Speaker 3: You know.

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Speaker 7: Well, that's why it's empty bit still in the house

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Speaker 7: because there's and it's the same in our house with jars.

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Speaker 7: Anytime there's a good job, Bridges like, don't put that.

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Speaker 3: Out's bridget is my spirit animal, perfect for all your

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Speaker 3: liberated cuttings.

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Speaker 1: I yet liberated, not stolen. Liberated.

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Speaker 3: All right, let's move away from stealing plants again, Jess

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Speaker 3: and go straight into Ryan's community money wins.

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Speaker 1: What have you got fre uz this week? Ryan?

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Speaker 5: All right?

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Speaker 7: Now, there's a lady named Georgie, and I don't know

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Speaker 7: if you guys have seen this post. I assume she

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Speaker 7: works at like an appliance store or something like that,

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Speaker 7: because she said a customer brought in a broken five

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Speaker 7: hundred dollars coffee machine, like they brought it back into

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Speaker 7: the store and said, I think this is broken. Right,

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Speaker 7: The supplier said, destroy the machine, give them a new one,

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Speaker 7: done and dusted. But our mate, George, yeah, so our

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Speaker 7: mate jew And apparently that must be common in retail.

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Speaker 5: Yep, it's broken, just replaced it, get rid of it.

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Speaker 1: But destroy it. Can't we donate it?

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Speaker 5: Well? This is where Georgie comes into her own.

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Speaker 7: She says to the boss, Hey, I know that's kind

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Speaker 7: of been written off, but can I just take it

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Speaker 7: home and see if I can't get it working? So

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Speaker 7: Georgie takes it home, she says, a few screws and

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Speaker 7: a bit of you know, elbow grease. Not only is

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Speaker 7: the coffee machine working, she now has a beautiful coffee

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Speaker 7: machine in her own house that she's allowed to keep,

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Speaker 7: which she got for free.

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Speaker 5: Yeah, and double money win, says Georgie.

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Speaker 7: She now does not spend four dollars fifty a day

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Speaker 7: at the cafe getting a flat wine, and she's making

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Speaker 7: her own coffees. Double money win for Georgie.

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Speaker 3: That is that the money win if ever I heard one, especially,

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Speaker 3: you know, I'm a bit partial to a good coffee.

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Speaker 1: I hope she's using.

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Speaker 5: I'm sure she is. So.

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Speaker 7: I don't know if any other people have had this,

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Speaker 7: but I know a lot of that. She's on the

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Speaker 7: money community students and young and have concession cards, healthcare

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Speaker 7: cards and stuff. Right, So Nicole said, money win. I

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Speaker 7: was chatting to my gas and electricity provider just to

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Speaker 7: check everything was on, you know, going to plan, and

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Speaker 7: I was all in, And it turns out they hadn't

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Speaker 7: ticked the box that said she's in fact a concession

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Speaker 7: card holder. So she got a five hundred and eighty

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Speaker 7: six dollars refund because they backdated it. Since the time

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Speaker 7: that they thought they'd put in the little tick that they.

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Speaker 1: Hadn't ticked the box money win, Oh my god.

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Speaker 5: Yeah.

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Speaker 7: So if you are one of those people that you

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Speaker 7: know it's for a lot of things, electricity, gas, even

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Speaker 7: your my key card, train tickets, use cheap your student

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Speaker 7: double check.

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Speaker 3: Yeah five, and if you're not sure, just call up

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Speaker 3: and say, excuse me, I was just wondering. And if

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Speaker 3: you're a mel Bernie and I know you've got the

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Speaker 3: time for it at the moment, you have literally no

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Speaker 3: excuse my friends.

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Speaker 7: Absolutely so Victoria, yes, this is like a two parter

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Speaker 7: right first, because it's about shoes.

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Speaker 5: So I want to get your thoughts on this.

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Speaker 7: Kelly says, I saw a pair of shoes on Instagram

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Speaker 7: that I really liked. So what I do is when

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Speaker 7: I'm sitting on the couch late at night and I

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Speaker 7: find something, I put it in the cart, but I

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Speaker 7: just leave it in the cart overnight and then if

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Speaker 7: I still want to buy them the next day, that's

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Speaker 7: my strategy. How do we feel about this strategy?

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Speaker 3: I mean, I'm playing yeah, okay, Jess, right, no, the

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Speaker 3: question was the okay oh sorry, no, no, no, no, no,

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Speaker 3: I'm kidding, I'm kidding.

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Speaker 8: A marketing tactic to get people to purchase product is,

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Speaker 8: more often than not, if you leave something in your

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Speaker 8: cart for twenty four hours, there's an auto email that

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Speaker 8: kicks in with a discount Coade to prompt you to

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Speaker 8: make the purchase.

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Speaker 5: So you can do it. If you're going to buy

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Speaker 5: it anyway, you just wait a day a discount.

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Speaker 2: Yeah.

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Speaker 8: More often than not, it's like a like, you know,

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Speaker 8: you get those Hey, did you leave something in your cart?

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Speaker 8: Like a like a lot of companies will have that,

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Speaker 8: and it's a marketing tactic to encourage people who forgot

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Speaker 8: about purchases or elected not to make them. So if

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Speaker 8: you're planning on buying something, do it, wait twenty four

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Speaker 8: hours and just see if you get one.

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Speaker 7: All right, that is not Kelly's money in, but that

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Speaker 7: is a great money in, nonetheless, and sucked into every

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Speaker 7: company that's now going to have everyone just loitering in the.

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Speaker 1: Car waiting be so annoyed.

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Speaker 7: So anyway, Kelly had put the thing in, put the

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Speaker 7: shoes into the cart, and was like, Okay, I'll see

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Speaker 7: what happens. See if I still really want to pay

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Speaker 7: for it, See if I get a discount. Then, because

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Speaker 7: the cookies and stuff knew that she was looking at

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Speaker 7: the website, she gets this sponsored post from the same

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Speaker 7: company saying we're having a competition.

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Speaker 5: You could win a free pair of shoes.

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Speaker 7: So she said, I got the pair of shoes I

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Speaker 7: wanted for free, and I got a pair for my

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Speaker 7: friend as well. That's a three hundred ninety money in

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Speaker 7: for the tool of us without spending a.

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Speaker 4: S Okay, that's not that's the wait, she why that

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Speaker 4: never happens? People actually win those things. I ender competitions

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Speaker 4: on the time.

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Speaker 1: Oh my gosh.

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Speaker 3: I actually to chime in with my own self centered story, guys,

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Speaker 3: I actually won when I was at UNI two pairs

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Speaker 3: of Tony Bianco shit. That's good, Yeah, money win. I

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Speaker 3: won them on Instagram way back when literally the only

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Speaker 3: thing I got apart from.

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Speaker 1: That time I want a year. That was pretty good too.

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Speaker 3: Yeah, but I won these shoes, and I remember really

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Speaker 3: ruminating over the purchase because you know how expensive Towny

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Speaker 3: Banco shoes can be. Like, they're not like eighty dollar shoes.

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Speaker 3: They're upwards of like one hundred and fifty dollars a pair,

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Speaker 3: So that's speno. So anyway, I had two vouchers for

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Speaker 3: two pairs of shoes, and I was so excited, and

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Speaker 3: I picked what I thought would be kind of like timeless,

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Speaker 3: and I'd use them all the time and i'd wear

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Speaker 3: them out right, No, sir, no that looking back on that, Victoria,

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Speaker 3: a pair of platformed closed toe red Spaye shoes with bows.

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Speaker 1: On the side and a pair of platform.

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Speaker 3: Black heels with le black brim. They're not timeless, They're

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Speaker 3: not even classy.

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Speaker 1: What are you doing?

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Speaker 5: That sounds like the footwear edition of your Kitchen be really, Dad?

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Speaker 3: Oh my god, Yes, I don't even have them anymore,

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Speaker 3: because I genuinely don't even wear platform shoes anymore.

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Speaker 1: But I just don't know what I was thinking. I

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Speaker 1: remember just being like, I'm going to get so much

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Speaker 1: wear out of these. No, absolutely not.

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Speaker 3: I'll post a picture on my Instagra today so you

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Speaker 3: guys can see exactly what they looked like, because obviously

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Speaker 3: I was very proud of that win, and so I

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Speaker 3: did take a lot of photos of those shoes.

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Speaker 7: Hey, Sophie Marshall, she said, I did a proper clean

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Speaker 7: of my bedroom, which actually her definition of a proper

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Speaker 7: clean is I didn't just vacuum around the bed.

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Speaker 5: I actually vacuumed under it as well. And are you

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Speaker 5: guys all ready for a really big gasp?

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Speaker 7: And she said, look out, team, I found a two

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Speaker 7: dollar coin under my bed.

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Speaker 1: Money win. When it comes to coins, that is the

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Speaker 1: premium coin to find. What are you going to get

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Speaker 1: with that?

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Speaker 4: Like a sausage SI or from Bunnings or something like.

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Speaker 1: That's pretty good?

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Speaker 2: Yea, almost too. McDonald's soft serves.

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Speaker 1: Yeah, there you go.

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Speaker 5: You can get two thirty cent cones for less than

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Speaker 5: two dollars.

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Speaker 8: These days, apparently they're a dollar twenty now, Ryan.

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Speaker 4: We have had this argument on this podcast.

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Speaker 5: How old am I? How old am I?

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Speaker 2: And now conflation ran look it up. I'm sorry that

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Speaker 2: was mean.

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Speaker 3: Nope, that's Lee. That's staying in the podcast, Ryan. What

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Speaker 3: is your next money in?

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Speaker 5: I've got two more to go.

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Speaker 7: This second last one not its fun, but I just

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Speaker 7: think it's really important to share. Someone has said that

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Speaker 7: they really needed to see a psychologist, but they've put

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Speaker 7: it off because last time they had a bad experience

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Speaker 7: and it ended up being really expensive and they felt

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Speaker 7: like they didn't get much out of it. But she says,

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Speaker 7: I randomly came across this lady that works about five

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Speaker 7: minutes down the road and it's fully bulk build so

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Speaker 7: Medicare takes care of all of it.

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Speaker 5: It doesn't cost her a cent.

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Speaker 7: She said, I'm currently not working at the moment, which is,

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Speaker 7: you know, adding to the need to see someone and

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Speaker 7: speak to someone. So she's like, that's just really helped

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Speaker 7: me out. And considering a lot of us in lockdown

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Speaker 7: or just coming out of lockdown, just know that there

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Speaker 7: are actually a lot of options. I know, like I've

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Speaker 7: seen someone and sometimes it takes the second or third.

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Speaker 5: Professional to kind of click and go, yeah, they get me.

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Speaker 7: So the fact that this person wasn't put off by

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Speaker 7: a bad experience and then eventually found their person, I just,

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Speaker 7: I know, I think that's.

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Speaker 5: Really important to share it.

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Speaker 7: Yeah, So thank you very much to the lady that shaid.

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Speaker 7: I won't say her name because you know, just for

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Speaker 7: the privacy of the story, but I do really appreciate

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Speaker 7: you sharing it.

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Speaker 5: Because I think it's really important.

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Speaker 7: Now finally people might have seen this picture in the group,

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Speaker 7: and I actually love going through before this segment and

404
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Speaker 7: looking at all the money. It's actually really fun to

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Speaker 7: read through. But this one just has really got me

406
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Speaker 7: all worked up and excited. Her name is Alan, and

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Speaker 7: first of all, Alan, congratulations. She just purchased her first home.

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Speaker 5: Now. Because property is really expensive because.

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Speaker 2: Of jess inflation.

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Speaker 7: Alan got a house that needed a bit of renovations.

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Speaker 7: I feel like most people our aid. We can't get

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Speaker 7: the fully finished version. We get what we can and

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Speaker 7: we go, yeah, I've watched the block enough, I'll figure

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Speaker 7: it out. So Alan managed to find, and this is

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Speaker 7: blowing my mind, an entire complete secondhand kitchen from Facebook marketplace.

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Speaker 2: She manifested it.

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Speaker 7: She did that six hundred dollars for an entire kitchen

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Speaker 7: and the kitchen sink. She said, a cod to paint

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Speaker 7: some secondhand appliances. I did the tiling myself. A whole new, gorgeous,

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Speaker 7: brand new looking kitchen for less than three thousand dollars.

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Speaker 7: And as someone who loves looking at houses and pictures,

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Speaker 7: I can confirm unbelievable.

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Speaker 5: It looks so great.

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Speaker 1: It didn't happen.

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Speaker 5: Guys, there's a.

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Speaker 7: Picture, Alan Britton, go and look in the thing. But

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Speaker 7: it's unbelievable to find a second hand kitchen on facing

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Speaker 7: credit place.

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Speaker 5: I am done. Cancel the segment we can't beat that.

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Speaker 1: I can't beat that.

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00:18:48,640 --> 00:18:51,399
Speaker 3: I feel like that is an epic money win, Like

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Speaker 3: that's so much money that she would have saved. And

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Speaker 3: as someone who's literally looking into kitchens and right now

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Speaker 3: I much.

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Speaker 1: Afford a new one, we're talking, why haven't I looked there?

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00:19:03,520 --> 00:19:06,199
Speaker 3: I could do this? Maybe, like probably not, but like

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00:19:06,359 --> 00:19:10,160
Speaker 3: I'm hopeful. I'm hopeful, and it's just important to be positive.

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00:19:10,480 --> 00:19:12,520
Speaker 4: No, you won't get it because you don't believe in

439
00:19:12,520 --> 00:19:14,280
Speaker 4: manifesting like Jess I do.

440
00:19:14,560 --> 00:19:18,200
Speaker 1: True, it's Ryan that doesn't believe in manifesting.

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Speaker 5: Well, I'm another one with a six hundred dollars kitchen,

442
00:19:20,760 --> 00:19:21,480
Speaker 5: So joke's on me.

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Speaker 3: All right, So we are back and Tony, you've got

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00:19:34,920 --> 00:19:36,479
Speaker 3: something that you want to share with us, But you've

445
00:19:36,520 --> 00:19:39,880
Speaker 3: actually been gatekeeping this particular piece of content all week

446
00:19:39,920 --> 00:19:43,399
Speaker 3: and haven't let Georgia, Ryan or Jess see it or

447
00:19:43,600 --> 00:19:46,320
Speaker 3: understand it. So tell us what are you going to

448
00:19:46,359 --> 00:19:48,359
Speaker 3: share with the community. I hope it was worth the

449
00:19:48,400 --> 00:19:49,920
Speaker 3: gatekeeping that you have done.

450
00:19:50,000 --> 00:19:52,320
Speaker 4: Well, it's definitely not that good, and now you've really

451
00:19:52,320 --> 00:19:55,600
Speaker 4: built this up. So maybe if you're not interested, maybe

452
00:19:55,640 --> 00:19:59,240
Speaker 4: just skip forward a few minutes. But after the chat

453
00:19:59,280 --> 00:20:03,280
Speaker 4: this week about changing careers after you and g chatted

454
00:20:03,320 --> 00:20:05,679
Speaker 4: about it in the Deep Dive, and we've had heaps

455
00:20:05,720 --> 00:20:09,120
Speaker 4: of questions lately about people talking about car.

456
00:20:09,080 --> 00:20:11,160
Speaker 1: Hold on, hold on, are you going to quit?

457
00:20:13,320 --> 00:20:16,159
Speaker 3: I have come to the realization that and I just

458
00:20:16,200 --> 00:20:17,560
Speaker 3: wanted to share with you guys.

459
00:20:17,600 --> 00:20:18,560
Speaker 4: Now I know.

460
00:20:19,280 --> 00:20:20,360
Speaker 1: She quit her last job.

461
00:20:20,400 --> 00:20:23,200
Speaker 4: Guys, it is how I quit my last job.

462
00:20:23,240 --> 00:20:26,560
Speaker 1: Actually, she literally told about the podcast that.

463
00:20:26,560 --> 00:20:29,600
Speaker 5: She was doing podcasts. How many podcasts can you quit on?

464
00:20:33,080 --> 00:20:35,439
Speaker 4: But I think in the last year, lots of people

465
00:20:35,480 --> 00:20:39,400
Speaker 4: have had time with lockdowns and with COVID, have had

466
00:20:39,440 --> 00:20:42,240
Speaker 4: time to reflect on their careers and thought, actually, know what.

467
00:20:42,320 --> 00:20:44,320
Speaker 4: This doesn't spark joy and it doesn't make me happy.

468
00:20:44,840 --> 00:20:48,960
Speaker 4: But someone posted in our group this week chatting about redundancies,

469
00:20:49,920 --> 00:20:52,680
Speaker 4: So Jacqueline posted, would love to hear from people who

470
00:20:52,680 --> 00:20:54,720
Speaker 4: have come out the other side of a redundancy and

471
00:20:54,800 --> 00:20:57,560
Speaker 4: never looked back. I can apply for a redundancy and

472
00:20:57,600 --> 00:21:00,800
Speaker 4: the payout is significant. Would probably cut close to two

473
00:21:00,880 --> 00:21:03,719
Speaker 4: years of my current after tax salary, which is huge.

474
00:21:04,920 --> 00:21:07,399
Speaker 4: But I'm one of those risk averse people that has

475
00:21:07,440 --> 00:21:09,960
Speaker 4: been at the same organization for well over ten years,

476
00:21:10,240 --> 00:21:13,000
Speaker 4: the same role for six years, which I enjoy and

477
00:21:13,040 --> 00:21:15,520
Speaker 4: I love my team, and I've never been unemployed, so

478
00:21:15,640 --> 00:21:19,200
Speaker 4: jumping off this cliff seems really scary, but also it's

479
00:21:19,200 --> 00:21:22,919
Speaker 4: a once in a lifetime opportunity. But I wanted to

480
00:21:23,000 --> 00:21:25,680
Speaker 4: ask the if this is something you deal with a lot.

481
00:21:25,760 --> 00:21:30,080
Speaker 4: Do you see financial advice clients that have gone through redundancies?

482
00:21:31,200 --> 00:21:33,159
Speaker 3: Yes, and I actually have family and friends who have

483
00:21:33,240 --> 00:21:36,879
Speaker 3: gone through them. And sometimes redundancies aren't a choice, and

484
00:21:36,960 --> 00:21:39,760
Speaker 3: you just get told one day, hey, you've been made

485
00:21:39,800 --> 00:21:42,720
Speaker 3: redundant and the choice has been taken out of your hands,

486
00:21:42,760 --> 00:21:45,680
Speaker 3: and there is a redundancy payout. There's actually a redundancy

487
00:21:45,800 --> 00:21:48,159
Speaker 3: tax level, so to make sure that you're in the

488
00:21:48,160 --> 00:21:51,320
Speaker 3: best possible position, but it's a fickle position to be

489
00:21:51,440 --> 00:21:54,800
Speaker 3: in when someone says, hey, you've got the opportunity to

490
00:21:55,000 --> 00:21:58,800
Speaker 3: apply for a voluntary redundancy because it means that the

491
00:21:58,800 --> 00:22:01,399
Speaker 3: business needs to decrease their head count, but they're giving

492
00:22:01,400 --> 00:22:03,080
Speaker 3: you the opportunity to exit.

493
00:22:03,520 --> 00:22:05,560
Speaker 1: And yeah, it can be up to.

494
00:22:05,560 --> 00:22:08,240
Speaker 3: Two years worth of pay like if you've been working

495
00:22:08,280 --> 00:22:10,679
Speaker 3: for that company for upwards of ten years, like the

496
00:22:10,720 --> 00:22:14,200
Speaker 3: example you just gave, that could be a six figure payout,

497
00:22:14,280 --> 00:22:17,280
Speaker 3: and it could be you know, preferentially taxed in a

498
00:22:17,320 --> 00:22:20,600
Speaker 3: way that you kind of go, well, that's actually an

499
00:22:20,600 --> 00:22:24,160
Speaker 3: opportunity to get ahead if you know that you're employable

500
00:22:24,240 --> 00:22:27,120
Speaker 3: and you're able to actually, you know, find another role

501
00:22:27,240 --> 00:22:28,360
Speaker 3: relatively easy.

502
00:22:28,600 --> 00:22:29,440
Speaker 1: I think it's one.

503
00:22:29,359 --> 00:22:31,520
Speaker 3: Of those opportunities that are a bit of a once

504
00:22:31,560 --> 00:22:34,720
Speaker 3: in a lifetime thing, like someone's essentially saying, hey.

505
00:22:34,600 --> 00:22:36,679
Speaker 1: Do you want Tony, I'm going to give you an

506
00:22:36,800 --> 00:22:37,760
Speaker 1: entire house deposit.

507
00:22:37,840 --> 00:22:41,520
Speaker 3: I'm going to give you, you know, an investment portfolio

508
00:22:41,720 --> 00:22:43,920
Speaker 3: if you quit your job. But I think the thing

509
00:22:43,960 --> 00:22:46,480
Speaker 3: to really take into consideration there is one, she says

510
00:22:46,520 --> 00:22:48,560
Speaker 3: she loves her job, so maybe it's not worth it.

511
00:22:48,880 --> 00:22:51,800
Speaker 3: But two, how re employable are.

512
00:22:51,680 --> 00:22:53,879
Speaker 7: You just on that vee? Are you able to have

513
00:22:53,960 --> 00:22:57,000
Speaker 7: a look around on seeking LinkedIn? Get it before you

514
00:22:57,080 --> 00:22:58,359
Speaker 7: even decide.

515
00:22:58,000 --> 00:23:00,440
Speaker 3: Totally, And it's not illegal to do your You may

516
00:23:00,520 --> 00:23:03,120
Speaker 3: and start applying for jobs the second you've got some

517
00:23:03,200 --> 00:23:05,840
Speaker 3: kind of inkling that that might even be offered to you.

518
00:23:06,200 --> 00:23:09,119
Speaker 3: I'm very much put your fishing rod out there and

519
00:23:09,119 --> 00:23:11,960
Speaker 3: see if you catch away or come to girl. But

520
00:23:12,040 --> 00:23:14,639
Speaker 3: I think that you know, if it's something that you

521
00:23:14,680 --> 00:23:18,359
Speaker 3: could be re employed relatively easily, then absolutely consider it.

522
00:23:18,400 --> 00:23:20,080
Speaker 3: But I don't think that there's a right or wrong

523
00:23:20,200 --> 00:23:22,160
Speaker 3: or a right way to go about this. Like, if

524
00:23:22,160 --> 00:23:25,000
Speaker 3: it works for you, fantastic, If you see the benefit

525
00:23:25,359 --> 00:23:26,840
Speaker 3: of doing it, then great.

526
00:23:27,000 --> 00:23:29,480
Speaker 7: Can I throw a random thought at V of course,

527
00:23:29,520 --> 00:23:33,560
Speaker 7: with the example we've just heard from Tony, I don't

528
00:23:33,600 --> 00:23:36,040
Speaker 7: know why, but in my mind it's one of those

529
00:23:36,280 --> 00:23:38,679
Speaker 7: if you're wanting to leave anyway, or maybe needing a

530
00:23:38,720 --> 00:23:40,640
Speaker 7: push or some encouragement because you wanted to go.

531
00:23:41,119 --> 00:23:41,439
Speaker 5: Maybe.

532
00:23:41,440 --> 00:23:43,680
Speaker 7: But the fact that she actually said, I actually quite

533
00:23:43,840 --> 00:23:45,679
Speaker 7: like it here and I'll get along with everyone. For me,

534
00:23:46,119 --> 00:23:48,320
Speaker 7: I don't know why, that just stuck out in my

535
00:23:48,400 --> 00:23:50,879
Speaker 7: mind and made me feel a bit, a bit or

536
00:23:50,960 --> 00:23:54,080
Speaker 7: uncomfortable considering like you said, it's so competitive out there

537
00:23:54,080 --> 00:23:56,240
Speaker 7: that if you're on a good thing, whereas if you're

538
00:23:56,280 --> 00:23:59,439
Speaker 7: kind of wanting to leave anyway, hey, what a great opportunity.

539
00:23:59,560 --> 00:24:00,640
Speaker 5: But if you don't want to leave.

540
00:24:00,800 --> 00:24:03,560
Speaker 3: I'm quite conservative, so I'd probably say, oh, no, thank you,

541
00:24:03,640 --> 00:24:05,040
Speaker 3: Like I love my job, I don't want to.

542
00:24:05,040 --> 00:24:06,280
Speaker 1: Leave if I was employed.

543
00:24:06,640 --> 00:24:09,879
Speaker 3: But also I know people who have been erring on

544
00:24:09,920 --> 00:24:12,400
Speaker 3: the side of oh should I leave? I don't know,

545
00:24:12,480 --> 00:24:14,520
Speaker 3: this is such a good job but I haven't experienced

546
00:24:14,560 --> 00:24:16,639
Speaker 3: anything outside of this business, and I'm not sure if

547
00:24:16,640 --> 00:24:18,520
Speaker 3: I take the next step or not. I've got really

548
00:24:18,560 --> 00:24:21,080
Speaker 3: great career progression here. I think, like I'm just not

549
00:24:21,480 --> 00:24:24,120
Speaker 3: you know, nothing's really come to me. And then when

550
00:24:24,160 --> 00:24:26,720
Speaker 3: voluntary redundancy was on the table, they were like, all right,

551
00:24:26,760 --> 00:24:29,040
Speaker 3: that's the push I need. Like, I want my payout.

552
00:24:29,119 --> 00:24:30,840
Speaker 3: I'm going to go find a new role, even if

553
00:24:30,840 --> 00:24:33,040
Speaker 3: it's really similar to what I'm doing right now and

554
00:24:33,080 --> 00:24:34,640
Speaker 3: it's not necessarily.

555
00:24:34,080 --> 00:24:37,000
Speaker 1: A step up. I got that payout to make that.

556
00:24:37,480 --> 00:24:41,480
Speaker 3: Everybody ideally wants a stable level of employment and that's

557
00:24:41,520 --> 00:24:44,040
Speaker 3: why you're loving the job that you've got, because of

558
00:24:44,080 --> 00:24:45,520
Speaker 3: the stability it ForWords.

559
00:24:45,200 --> 00:24:46,760
Speaker 1: You and maybe the team that surrounds you.

560
00:24:46,800 --> 00:24:48,679
Speaker 3: So it would be a really big change, and I

561
00:24:48,760 --> 00:24:51,560
Speaker 3: just I don't know, what would you guys do, Jesse?

562
00:24:51,600 --> 00:24:53,160
Speaker 1: If I offer do a hoop of money to leave

563
00:24:53,240 --> 00:24:55,000
Speaker 1: she's on the money? Is that where you're off to?

564
00:24:56,680 --> 00:24:59,040
Speaker 8: It would depend how much money, to be honest, like,

565
00:24:59,280 --> 00:25:01,040
Speaker 8: I really haven like long enough.

566
00:25:01,680 --> 00:25:04,080
Speaker 5: What is saying with Victoria really worth to you? Jess?

567
00:25:04,560 --> 00:25:05,800
Speaker 1: It's worth a lot, I hope.

568
00:25:05,840 --> 00:25:08,600
Speaker 3: But also like if I offered you a voluntary redundancy.

569
00:25:08,640 --> 00:25:11,159
Speaker 3: You could go work for like my Millennial money or something.

570
00:25:11,800 --> 00:25:14,119
Speaker 2: Oh, Glenn James, please take me. I love your Jess.

571
00:25:14,480 --> 00:25:16,920
Speaker 2: You could have two, you could have two jesses.

572
00:25:16,920 --> 00:25:19,040
Speaker 1: Just sweat no.

573
00:25:19,119 --> 00:25:22,000
Speaker 8: But like as someone who's been made redundant, Like on

574
00:25:22,080 --> 00:25:24,480
Speaker 8: the flip side of that, I was made redundant twice

575
00:25:24,640 --> 00:25:25,879
Speaker 8: in eighteen months.

576
00:25:26,000 --> 00:25:27,240
Speaker 2: That's the same company.

577
00:25:27,480 --> 00:25:30,080
Speaker 1: Yeah, from the same company. I don't even know that.

578
00:25:31,320 --> 00:25:34,280
Speaker 8: So I worked in real estate, and as you know,

579
00:25:34,359 --> 00:25:36,359
Speaker 8: real estate is really up and down.

580
00:25:36,720 --> 00:25:38,840
Speaker 2: And so the.

581
00:25:38,680 --> 00:25:42,480
Speaker 8: Person I worked for the first time restructured her team.

582
00:25:42,560 --> 00:25:45,320
Speaker 8: She ended up getting pregnant, which was very exciting, and

583
00:25:45,359 --> 00:25:47,240
Speaker 8: there was just a shift in the dynamic and in

584
00:25:47,280 --> 00:25:50,040
Speaker 8: the workload, and obviously I wasn't needed. So I was

585
00:25:50,040 --> 00:25:53,440
Speaker 8: made redundant. And I ended up, like within four days

586
00:25:53,440 --> 00:25:55,800
Speaker 8: of being made redundant, another agent who worked for the

587
00:25:55,840 --> 00:25:59,480
Speaker 8: same company at a different office, who I had met previously,

588
00:25:59,560 --> 00:26:01,440
Speaker 8: heard what had happened and was like, if you want

589
00:26:01,440 --> 00:26:03,080
Speaker 8: a job, it's yours, Like I know that you're great,

590
00:26:03,119 --> 00:26:05,679
Speaker 8: Like whatever, come work for me, which I did. And

591
00:26:05,720 --> 00:26:10,920
Speaker 8: then the market bottomed out within eight months and they

592
00:26:11,560 --> 00:26:14,080
Speaker 8: laid off probably four or five people in my office

593
00:26:15,080 --> 00:26:17,600
Speaker 8: and they ended up sending a lot of the work overseas.

594
00:26:17,960 --> 00:26:22,359
Speaker 1: So yeah, so friend divine one and that's how we

595
00:26:22,480 --> 00:26:23,440
Speaker 1: got Jess.

596
00:26:25,440 --> 00:26:27,320
Speaker 2: But it's just one of those things, like it's hot.

597
00:26:27,480 --> 00:26:30,160
Speaker 8: I think this situation is really great because she has

598
00:26:30,240 --> 00:26:33,640
Speaker 8: the opportunity to make a decision, and I think, as

599
00:26:33,640 --> 00:26:36,600
Speaker 8: you were saying, it sounds like she's leaning towards staying.

600
00:26:36,640 --> 00:26:39,000
Speaker 8: And I think that there's nothing wrong with that. If

601
00:26:39,040 --> 00:26:41,760
Speaker 8: you are happy and you like your job, there's no

602
00:26:41,840 --> 00:26:43,760
Speaker 8: reason that you should feel like a certain amount of

603
00:26:43,760 --> 00:26:44,960
Speaker 8: money will buy you out.

604
00:26:45,200 --> 00:26:46,919
Speaker 2: Essentially, would be my perspective.

605
00:26:47,000 --> 00:26:50,120
Speaker 1: I mean, everything's got a christ though, No, I mean

606
00:26:50,200 --> 00:26:50,960
Speaker 1: ten years.

607
00:26:51,160 --> 00:26:55,200
Speaker 8: That would be a really nice, really nice redundancy, Absolutely

608
00:26:55,560 --> 00:26:57,359
Speaker 8: enough to make me think about it, that's for sure.

609
00:26:58,080 --> 00:26:58,960
Speaker 1: I am hurt.

610
00:26:59,119 --> 00:27:00,640
Speaker 5: Georgia. What do you think we do? You take the cat?

611
00:27:01,760 --> 00:27:04,520
Speaker 6: It is a really hard one and it probably depends

612
00:27:04,640 --> 00:27:08,600
Speaker 6: on her financial position right now as well. But what

613
00:27:08,640 --> 00:27:12,760
Speaker 6: I would say is that you really can't undervailue the

614
00:27:12,880 --> 00:27:15,720
Speaker 6: power of a good team and people that you love

615
00:27:15,760 --> 00:27:18,159
Speaker 6: coming to work and seeing every day. Like for me,

616
00:27:18,520 --> 00:27:22,120
Speaker 6: I would rather earn peanuts and come to a team

617
00:27:22,160 --> 00:27:24,720
Speaker 6: that I love every day rather than go to a

618
00:27:24,760 --> 00:27:27,639
Speaker 6: workplace that I hate, but I'm making bank, you know,

619
00:27:27,680 --> 00:27:30,399
Speaker 6: so that's something to consider as well. Not that the

620
00:27:30,480 --> 00:27:33,919
Speaker 6: new workplace would be like that, but it's something to

621
00:27:34,040 --> 00:27:35,080
Speaker 6: kind of thank Georgia.

622
00:27:35,080 --> 00:27:38,520
Speaker 1: It doesn't work for us, guys, No, I don't.

623
00:27:38,320 --> 00:27:44,560
Speaker 8: Work here, peanuts people, or are we the rude people

624
00:27:44,720 --> 00:27:47,240
Speaker 8: which camp Bowie your peanuts too?

625
00:27:47,400 --> 00:27:52,080
Speaker 1: Guys, that's not true, Tony, what do you reckon?

626
00:27:52,240 --> 00:27:56,520
Speaker 4: Well, so I'm a super cautious person, so when I

627
00:27:56,560 --> 00:27:58,280
Speaker 4: saw the post, I was like, oh my god, don't

628
00:27:58,280 --> 00:28:00,639
Speaker 4: do it. Stay at the job. But there is like

629
00:28:00,760 --> 00:28:03,520
Speaker 4: two hundred comments on here saying do it, do it,

630
00:28:03,560 --> 00:28:05,520
Speaker 4: do it, do it. You won't regret it. I took

631
00:28:05,520 --> 00:28:08,040
Speaker 4: a redundancy and it was the best thing that ever

632
00:28:08,080 --> 00:28:10,399
Speaker 4: happened to me. Obviously, I think that a lot of

633
00:28:10,440 --> 00:28:14,800
Speaker 4: these people saying this have taken it by choice. It

634
00:28:14,840 --> 00:28:18,439
Speaker 4: hasn't been forced upon them, which obviously we can't comment

635
00:28:18,480 --> 00:28:21,000
Speaker 4: on because only Jess has been made redundant, and I

636
00:28:21,040 --> 00:28:24,480
Speaker 4: mean it led her here, so she's fine. But yeah,

637
00:28:24,520 --> 00:28:27,480
Speaker 4: there's so many people. I was really surprised, like older

638
00:28:27,560 --> 00:28:32,040
Speaker 4: people that have taken voluntary redundancies and never looked back.

639
00:28:32,080 --> 00:28:33,920
Speaker 4: And it was the best decision that they ever made.

640
00:28:34,160 --> 00:28:36,320
Speaker 4: And a comment here that I know that Ryan, you

641
00:28:36,400 --> 00:28:38,760
Speaker 4: will love because it sounds just like an anecdote that

642
00:28:38,840 --> 00:28:42,000
Speaker 4: you would spout that says, take the plunge. Ships are

643
00:28:42,000 --> 00:28:44,000
Speaker 4: safe in the harbor. But that's not what ships are

644
00:28:44,040 --> 00:28:44,520
Speaker 4: built for.

645
00:28:45,640 --> 00:28:48,240
Speaker 7: I mean, I love, But why am I penciled in

646
00:28:48,280 --> 00:28:49,640
Speaker 7: as the guy that loves inspirational?

647
00:28:50,000 --> 00:28:52,400
Speaker 1: Because you always say quotes about ships.

648
00:28:52,840 --> 00:28:54,600
Speaker 2: I was going to say you love quotes about it?

649
00:28:54,760 --> 00:28:57,960
Speaker 1: You always say, have you got a different quote for us?

650
00:28:58,360 --> 00:28:58,560
Speaker 3: Yeah?

651
00:28:58,560 --> 00:29:00,160
Speaker 5: Well my mum always said I was full of ship.

652
00:29:00,080 --> 00:29:05,840
Speaker 4: Sir Ah nice, very good, very good.

653
00:29:06,600 --> 00:29:09,520
Speaker 3: I quit alright with that wrap, Ryan, I think we

654
00:29:09,560 --> 00:29:11,560
Speaker 3: move on to our team money, wins and confessions and

655
00:29:11,600 --> 00:29:14,640
Speaker 3: then wrap the show and head off. So who is

656
00:29:14,680 --> 00:29:18,680
Speaker 3: going to volunteer his tribute to go first?

657
00:29:17,360 --> 00:29:22,400
Speaker 1: Oh good? I want to dominate someone, but we've got

658
00:29:22,440 --> 00:29:23,479
Speaker 1: g King jumping in.

659
00:29:23,520 --> 00:29:25,080
Speaker 6: What does she want to get it out of the way?

660
00:29:25,200 --> 00:29:28,880
Speaker 6: Oh no, I'm going to double down on my newsletter recommendation.

661
00:29:28,960 --> 00:29:31,320
Speaker 6: If anyone read it from last.

662
00:29:31,040 --> 00:29:33,720
Speaker 2: Week, did you get gas stro from the shrimp?

663
00:29:35,200 --> 00:29:35,480
Speaker 1: No?

664
00:29:35,720 --> 00:29:36,959
Speaker 2: Because it is great shrimp.

665
00:29:37,320 --> 00:29:40,360
Speaker 1: So for those of you who don't know what I did,

666
00:29:40,400 --> 00:29:41,880
Speaker 1: you recommend.

667
00:29:41,680 --> 00:29:46,800
Speaker 6: This gorgeous brand of frozen prawns. You can get about

668
00:29:46,800 --> 00:29:49,800
Speaker 6: a kilo for maybe eighteen dollars. I can't quite remember

669
00:29:49,800 --> 00:29:53,360
Speaker 6: the price. Tony's vomity. Something's happening.

670
00:29:53,680 --> 00:29:57,080
Speaker 3: Sorry, Tony obviously didn't read our newsletter.

671
00:29:57,840 --> 00:30:00,920
Speaker 8: Girls, ily recommend sign up on our sie Gee King

672
00:30:01,000 --> 00:30:05,360
Speaker 8: writes an impeccable newsletter with many many Harry Styles gifts.

673
00:30:05,360 --> 00:30:08,200
Speaker 3: Oh yeah, I cannot tell you how many snorty laughs

674
00:30:08,240 --> 00:30:10,560
Speaker 3: I let out when I have to prefread that stuff.

675
00:30:10,760 --> 00:30:14,440
Speaker 1: Honestly, sometimes I'm like, Georgia, what have you done. She's like, no, no, no,

676
00:30:14,520 --> 00:30:16,720
Speaker 1: trust me. The people will love the prawns.

677
00:30:16,800 --> 00:30:18,160
Speaker 2: I don't know if they did.

678
00:30:18,120 --> 00:30:24,480
Speaker 6: But honestly, they are delicious. If you're looking for a

679
00:30:24,480 --> 00:30:26,760
Speaker 6: special treat for your Friday night guys, head down to

680
00:30:26,800 --> 00:30:29,680
Speaker 6: your local pick up a bag of prawns.

681
00:30:29,920 --> 00:30:30,400
Speaker 1: Pretty sure.

682
00:30:30,400 --> 00:30:32,400
Speaker 8: In the newsletter she referred to it as a bag

683
00:30:32,440 --> 00:30:34,920
Speaker 8: of peace, like just the letter piece.

684
00:30:35,080 --> 00:30:38,280
Speaker 6: So sorry, no, but if you are in the market,

685
00:30:38,400 --> 00:30:40,920
Speaker 6: couldn't recommend them highly enough. I can't remember the brand,

686
00:30:41,120 --> 00:30:43,840
Speaker 6: but we might link in the show notes maybe, so

687
00:30:44,200 --> 00:30:44,880
Speaker 6: keep an eye out.

688
00:30:45,280 --> 00:30:49,280
Speaker 3: We want we will not be thinking that I have

689
00:30:49,480 --> 00:30:52,720
Speaker 3: iron did and we are not linking to croosen prawns

690
00:30:52,800 --> 00:30:55,120
Speaker 3: in our show notes, Georgie.

691
00:30:54,800 --> 00:30:56,520
Speaker 2: You'll regret it. You'll regret it.

692
00:30:56,640 --> 00:30:57,920
Speaker 4: There's just no way.

693
00:30:58,080 --> 00:31:00,240
Speaker 3: Well, we might put it on our Instagram store is

694
00:31:00,280 --> 00:31:02,840
Speaker 3: as a reminder for those of you who missed out

695
00:31:02,840 --> 00:31:06,280
Speaker 3: on their newsletter recommendations with a little swipey uplink so

696
00:31:06,320 --> 00:31:08,640
Speaker 3: you can join and never miss out again. All right,

697
00:31:08,760 --> 00:31:12,000
Speaker 3: moving on from Georgia's hot deal, Jessica Ricci, what have

698
00:31:12,120 --> 00:31:12,960
Speaker 3: you got to share?

699
00:31:13,200 --> 00:31:14,120
Speaker 1: Can it compare?

700
00:31:14,720 --> 00:31:18,760
Speaker 8: Honestly, nothing could. But if you follow us on socials,

701
00:31:18,800 --> 00:31:19,680
Speaker 8: you might have heard I.

702
00:31:19,680 --> 00:31:20,320
Speaker 2: Got a kidd in.

703
00:31:20,560 --> 00:31:22,400
Speaker 5: You did yay?

704
00:31:22,760 --> 00:31:25,560
Speaker 2: You guys like yeah, like fifty times this week.

705
00:31:25,600 --> 00:31:27,360
Speaker 1: Stop putting it on zoom stick.

706
00:31:29,080 --> 00:31:32,440
Speaker 8: But my money when she's a beautiful, sweet little thing.

707
00:31:32,480 --> 00:31:35,080
Speaker 8: I adopted her from the Lost Dogs Home, but she's

708
00:31:35,120 --> 00:31:37,640
Speaker 8: a little bit older, so she's over twelve weeks, and

709
00:31:37,760 --> 00:31:39,960
Speaker 8: they were telling me that apparently most people want a

710
00:31:40,000 --> 00:31:44,080
Speaker 8: really little, tiny baby. Obviously she's still small, she's still

711
00:31:44,120 --> 00:31:47,040
Speaker 8: really playful. But because she was over twelve weeks, instead

712
00:31:47,040 --> 00:31:49,720
Speaker 8: of her adoption fee being three hundred dollars, it was

713
00:31:49,760 --> 00:31:50,960
Speaker 8: only one hundred and twenty.

714
00:31:51,120 --> 00:31:51,880
Speaker 1: That's the money win.

715
00:31:51,920 --> 00:31:54,000
Speaker 2: If it heard it, Yeah.

716
00:31:53,800 --> 00:31:57,160
Speaker 4: And you can't put the extra money for prostely just

717
00:31:57,440 --> 00:31:59,880
Speaker 4: like that, all right, So my money whin this.

718
00:32:00,320 --> 00:32:04,080
Speaker 7: I actually went through all my subscriptions and tried to

719
00:32:04,080 --> 00:32:06,680
Speaker 7: figure out what I need and don't need, and for

720
00:32:06,880 --> 00:32:13,240
Speaker 7: work stuff I have subscriptions to like audio production, sounds, Adobe,

721
00:32:13,320 --> 00:32:15,960
Speaker 7: audition and Photoshop, all these video stuff.

722
00:32:15,960 --> 00:32:18,720
Speaker 5: And I actually found one that I could pay.

723
00:32:18,520 --> 00:32:21,240
Speaker 7: A little bit more for and get access to, Like

724
00:32:21,400 --> 00:32:24,200
Speaker 7: the one big one replaced five smaller ones that I had,

725
00:32:24,200 --> 00:32:26,440
Speaker 7: if that makes sense. So just paying for a one

726
00:32:26,520 --> 00:32:29,240
Speaker 7: gold standard thing where I can get all these sound effects,

727
00:32:29,320 --> 00:32:32,040
Speaker 7: music beds and stuff like that. I paid heaps more

728
00:32:32,080 --> 00:32:34,360
Speaker 7: for that, and then I actually saved about two hundred

729
00:32:34,400 --> 00:32:35,200
Speaker 7: dollars a month.

730
00:32:35,040 --> 00:32:37,320
Speaker 5: Because I got to cancel it four other subscription.

731
00:32:37,840 --> 00:32:40,840
Speaker 3: So if anyone else want good music beds, hit up

732
00:32:40,920 --> 00:32:42,000
Speaker 3: Ryan for a link.

733
00:32:42,480 --> 00:32:45,600
Speaker 7: Well maybe not that specific one relatable, but checking your

734
00:32:45,600 --> 00:32:48,160
Speaker 7: subscriptions and actually thinking what you actually use and then

735
00:32:48,200 --> 00:32:51,360
Speaker 7: see if you can bundle them. There's heaps of money

736
00:32:51,360 --> 00:32:53,720
Speaker 7: to be saved. And that's a money win every month

737
00:32:53,720 --> 00:32:55,400
Speaker 7: because it's you know, on and on on one. So

738
00:32:55,760 --> 00:32:56,800
Speaker 7: that was a huge win for me.

739
00:32:57,240 --> 00:32:58,240
Speaker 2: That's a good one.

740
00:32:58,240 --> 00:32:59,320
Speaker 5: All right, V. What do you got?

741
00:32:59,560 --> 00:33:03,200
Speaker 1: Okay? I think that this is a very relatable money.

742
00:33:03,080 --> 00:33:06,680
Speaker 3: Loss, and you would have thought that being forced to

743
00:33:06,680 --> 00:33:09,400
Speaker 3: stay inside our houses would mean that I would indeed

744
00:33:09,440 --> 00:33:10,320
Speaker 3: eat the food I have.

745
00:33:10,320 --> 00:33:12,440
Speaker 1: At home, and that is not true. That is not

746
00:33:12,480 --> 00:33:14,000
Speaker 1: how this week has worked out.

747
00:33:14,200 --> 00:33:18,880
Speaker 3: Incorrect, incorrect, really really bad spending this week on food.

748
00:33:18,960 --> 00:33:21,240
Speaker 3: I feel like Uber Eats and I have become even

749
00:33:21,320 --> 00:33:24,880
Speaker 3: closer friends. I have been treating myself I've had in

750
00:33:24,920 --> 00:33:26,920
Speaker 3: the last two weeks, and this is not a flex.

751
00:33:26,960 --> 00:33:29,040
Speaker 3: I'm actually a little bit like, oh, I can't believe

752
00:33:29,040 --> 00:33:32,080
Speaker 3: we've done that. We've had two provid Or dinners and

753
00:33:32,160 --> 00:33:34,560
Speaker 3: that that stuff adds up. And while I feel like

754
00:33:34,600 --> 00:33:37,320
Speaker 3: we definitely deserved it, because it's been really hard this time,

755
00:33:37,480 --> 00:33:39,680
Speaker 3: especially last week when they told us that they were

756
00:33:39,720 --> 00:33:42,520
Speaker 3: extending it again, I've ordered a sneaky dinner that day

757
00:33:42,560 --> 00:33:44,600
Speaker 3: to just like give us something to look forward to

758
00:33:44,720 --> 00:33:47,280
Speaker 3: in ICE. But I just feel like it has felt

759
00:33:47,320 --> 00:33:49,600
Speaker 3: a bit harder this time, Like I feel like we're

760
00:33:49,600 --> 00:33:51,320
Speaker 3: all going a bit crazy a little bit sooner.

761
00:33:51,640 --> 00:33:54,160
Speaker 1: So you know, I'm not mad that I'm doing that,

762
00:33:54,400 --> 00:33:55,080
Speaker 1: but for my.

763
00:33:55,120 --> 00:33:58,600
Speaker 3: Health, I'm trying to be better this coming week, and

764
00:33:58,720 --> 00:34:02,720
Speaker 3: for the poor vegetables that are, you know, slowly becoming

765
00:34:02,800 --> 00:34:04,560
Speaker 3: really soft in the bottom of my.

766
00:34:04,440 --> 00:34:05,720
Speaker 2: Fridge, withering away.

767
00:34:06,320 --> 00:34:07,480
Speaker 1: Yeah, they're withering away.

768
00:34:07,520 --> 00:34:08,960
Speaker 3: I feel like I need to do the best by

769
00:34:09,000 --> 00:34:11,360
Speaker 3: them as well, So I'll definitely be prioritizing that in

770
00:34:11,400 --> 00:34:13,840
Speaker 3: the week to come. But I have been eating not

771
00:34:14,000 --> 00:34:16,600
Speaker 3: so well and it's been a little bit spento.

772
00:34:16,400 --> 00:34:17,640
Speaker 1: Like watching it add up.

773
00:34:17,920 --> 00:34:21,040
Speaker 3: Oh, like when Uber Eats reminds you that you've like upgraded,

774
00:34:21,120 --> 00:34:22,640
Speaker 3: I'm like, oh, please calm down.

775
00:34:22,680 --> 00:34:23,720
Speaker 1: You don't know that. Well.

776
00:34:24,400 --> 00:34:26,960
Speaker 7: I saw a meme that sums up your situation, Victoria,

777
00:34:27,160 --> 00:34:31,160
Speaker 7: and it's actually describing what you're describing. So it's like

778
00:34:31,200 --> 00:34:34,320
Speaker 7: a quote meme, and it says I might treat myself tonight,

779
00:34:34,840 --> 00:34:37,800
Speaker 7: and the quotes by me, the person who treats themselves daily.

780
00:34:39,480 --> 00:34:42,600
Speaker 1: That's that's me this week. I'm usually really good.

781
00:34:42,680 --> 00:34:45,319
Speaker 3: And you know, prior to Lockdown, Jess and I had

782
00:34:45,360 --> 00:34:48,040
Speaker 3: committed to taking lunch to work and we were just

783
00:34:48,080 --> 00:34:51,320
Speaker 3: being so good in the office and everybody was starting

784
00:34:51,320 --> 00:34:53,240
Speaker 3: to do it, and Tony shaking her head.

785
00:34:54,000 --> 00:34:56,880
Speaker 4: We were we were was that before I started?

786
00:34:57,280 --> 00:34:58,000
Speaker 1: No, it was.

787
00:35:00,080 --> 00:35:06,200
Speaker 5: Okay, how familiar.

788
00:35:06,840 --> 00:35:08,080
Speaker 1: Jess and I did start.

789
00:35:08,200 --> 00:35:11,440
Speaker 3: She's been making guacamole and we've been having glock and chips,

790
00:35:11,680 --> 00:35:13,920
Speaker 3: and then we've been eating rice cakes and peanut butter.

791
00:35:14,080 --> 00:35:16,360
Speaker 1: No one said it was balance, but we are eating

792
00:35:16,400 --> 00:35:17,759
Speaker 1: food that we brought from here.

793
00:35:18,400 --> 00:35:21,480
Speaker 7: We're gonna stop treating ourselves by making glocamo and chips

794
00:35:21,480 --> 00:35:22,640
Speaker 7: to have on a weekday lunch.

795
00:35:23,520 --> 00:35:23,920
Speaker 1: Stop it.

796
00:35:24,160 --> 00:35:28,400
Speaker 3: That's vegetables, and sometimes we would dip carrot sticks, and

797
00:35:28,440 --> 00:35:31,600
Speaker 3: that is balanced anyway, Tony, have you got a money

798
00:35:31,640 --> 00:35:34,680
Speaker 3: win or confession to round out this episode?

799
00:35:35,239 --> 00:35:39,000
Speaker 4: Mine's kind of similar to yours V because obviously, being

800
00:35:39,040 --> 00:35:43,600
Speaker 4: in Lockdown, it's been a long couple of weeks and

801
00:35:43,640 --> 00:35:48,880
Speaker 4: I I Am not someone who likes to hyperbole, but

802
00:35:49,040 --> 00:35:52,480
Speaker 4: it has been rough. And last week I talked about

803
00:35:52,520 --> 00:35:54,759
Speaker 4: how I'd been buying things online to try and make

804
00:35:54,760 --> 00:35:59,360
Speaker 4: myself feel better. So mine this week is kind of

805
00:35:59,400 --> 00:36:03,960
Speaker 4: a win because something that I ordered online they oversold it,

806
00:36:04,040 --> 00:36:07,160
Speaker 4: so I got the money back, and instead of tucking

807
00:36:07,200 --> 00:36:09,600
Speaker 4: the money back into my account, I put it into.

808
00:36:09,360 --> 00:36:10,560
Speaker 1: My Rais Girl.

809
00:36:13,480 --> 00:36:15,880
Speaker 4: So instead of just like enjoying the money that I

810
00:36:15,920 --> 00:36:17,760
Speaker 4: got back, I was like, you know what, that money's

811
00:36:17,800 --> 00:36:20,440
Speaker 4: already gone, So I'm going to tuck it away and

812
00:36:20,480 --> 00:36:23,520
Speaker 4: it's going to work for me instead of some new pets.

813
00:36:23,760 --> 00:36:25,040
Speaker 4: I'm going to have more money.

814
00:36:25,960 --> 00:36:26,960
Speaker 1: She's a genius.

815
00:36:27,040 --> 00:36:27,680
Speaker 4: I'd love that.

816
00:36:28,080 --> 00:36:30,719
Speaker 3: All right with that, Tony, I think that that is

817
00:36:30,760 --> 00:36:33,279
Speaker 3: all we have time for today. So just before we

818
00:36:33,360 --> 00:36:35,480
Speaker 3: head off, we'd like to acknowledge and pay respect to

819
00:36:35,480 --> 00:36:39,480
Speaker 3: Australia's Aboriginal and Torris Straight Islander people's. They're the traditional

820
00:36:39,480 --> 00:36:42,560
Speaker 3: custodians of the lands, the waterways and the skies all

821
00:36:42,640 --> 00:36:45,680
Speaker 3: across Australia. We thank you for sharing and for caring

822
00:36:45,719 --> 00:36:47,640
Speaker 3: for the land on which we are able to learn.

823
00:36:47,960 --> 00:36:50,480
Speaker 3: We pay respects to elders past and present, and we

824
00:36:50,520 --> 00:36:52,279
Speaker 3: share our friendship and our kindness.

825
00:36:52,360 --> 00:36:54,640
Speaker 6: The advice sheared on She's on the Money is general

826
00:36:54,680 --> 00:36:58,319
Speaker 6: in nature and does not consider your individual circumstances. She's

827
00:36:58,400 --> 00:37:01,640
Speaker 6: on the Money exists purely for educational purposes and should

828
00:37:01,640 --> 00:37:03,799
Speaker 6: not be relied upon to make an investment or a

829
00:37:03,840 --> 00:37:07,759
Speaker 6: financial decision, and we promise. Victoria Devine is an authorized

830
00:37:07,840 --> 00:37:12,879
Speaker 6: representative of Australia Pacific Funds Management Proprietary Limited ABN three

831
00:37:12,960 --> 00:37:15,560
Speaker 6: four one three two four six three two five seven

832
00:37:15,640 --> 00:37:18,480
Speaker 6: AFSL three three nine one five one.

833
00:37:18,560 --> 00:37:20,480
Speaker 7: All right, make sure you jump into the She's on

834
00:37:20,520 --> 00:37:23,600
Speaker 7: the Money Facebook community, over one hundred and seventy thousand

835
00:37:23,600 --> 00:37:26,120
Speaker 7: people there sharing their wins and their stories and tips

836
00:37:26,120 --> 00:37:29,439
Speaker 7: and advice. And if you're considering or wanting to buy

837
00:37:29,440 --> 00:37:32,239
Speaker 7: your first ever property, go and check out the new

838
00:37:32,280 --> 00:37:34,560
Speaker 7: podcast by She's in the Money, which is Tony Victoria

839
00:37:34,600 --> 00:37:38,080
Speaker 7: and Amy Lenardi, who's Melbourne property mogul. I read I

840
00:37:38,160 --> 00:37:40,200
Speaker 7: heard saw the word mogul in a press release about

841
00:37:40,200 --> 00:37:42,359
Speaker 7: Amy this week you property did.

842
00:37:42,480 --> 00:37:45,160
Speaker 1: That's epic. She's gonna make us just.

843
00:37:45,640 --> 00:37:47,279
Speaker 4: Because I think it's funny. I don't know what it

844
00:37:47,360 --> 00:37:47,800
Speaker 4: was true.

845
00:37:49,080 --> 00:37:50,040
Speaker 5: Well, I read it somewhere.

846
00:37:50,840 --> 00:37:53,240
Speaker 7: But if you are looking to buy your first home,

847
00:37:53,560 --> 00:37:55,879
Speaker 7: go and listen to the Property Playbook podcast. It's step

848
00:37:55,920 --> 00:37:57,920
Speaker 7: by step to take you through all the stages of

849
00:37:57,960 --> 00:38:00,640
Speaker 7: saving for a deposit and picking the right house and

850
00:38:00,680 --> 00:38:02,279
Speaker 7: making sure you've got all the legal stuff in order.

851
00:38:02,320 --> 00:38:03,080
Speaker 5: So it's really helpful.

852
00:38:03,280 --> 00:38:05,000
Speaker 7: And if you want to start a side hustle, come

853
00:38:05,000 --> 00:38:07,600
Speaker 7: and listen to the Business Bible if there's anything money related.

854
00:38:07,680 --> 00:38:12,920
Speaker 3: We have a podcast we Don't Stop, can't stop, won't stop,

855
00:38:12,960 --> 00:38:15,280
Speaker 3: even lockdown won't stop us from podcasting.

856
00:38:15,400 --> 00:38:17,560
Speaker 1: But on that we will see you bright and early

857
00:38:17,600 --> 00:38:18,759
Speaker 1: for a money Dary next week.

858
00:38:18,800 --> 00:38:20,560
Speaker 2: Guys, Bye bye,