1 00:00:00,200 --> 00:00:19,440 Speaker 1: She's on the Money. She's on the Money. 2 00:00:23,200 --> 00:00:26,360 Speaker 2: Hello, and welcome to She's on the Money, the podcast 3 00:00:26,400 --> 00:00:30,720 Speaker 2: for millennials who want financial freedom. My name is Tony Lodge, 4 00:00:30,720 --> 00:00:33,239 Speaker 2: and joining me for another shot back Money Diary is. 5 00:00:33,280 --> 00:00:37,400 Speaker 3: Victoria to Fine. Hello, the surprise seeing you here. 6 00:00:37,800 --> 00:00:39,600 Speaker 2: I know we just happened to be on the exact 7 00:00:39,600 --> 00:00:41,440 Speaker 2: same zoom call the exact same time. 8 00:00:41,520 --> 00:00:44,440 Speaker 3: Oh my gosh, another Monday. Who would have thought a 9 00:00:44,560 --> 00:00:47,040 Speaker 3: Money Diary would drop? I bet no one saw that 10 00:00:47,080 --> 00:00:47,680 Speaker 3: one coming. 11 00:00:49,120 --> 00:00:52,080 Speaker 2: Well, we've got an amazing and very inspirational story for 12 00:00:52,120 --> 00:00:52,560 Speaker 2: you today. 13 00:00:52,880 --> 00:00:55,400 Speaker 3: I literally can't wait to hear it, So jump straight in, 14 00:00:55,440 --> 00:00:58,160 Speaker 3: Tony read out the email for me. All right, here 15 00:00:58,200 --> 00:00:58,520 Speaker 3: we go. 16 00:00:59,200 --> 00:01:02,800 Speaker 2: After leaving my toxic family at seventeen, I quickly became 17 00:01:02,880 --> 00:01:05,560 Speaker 2: homeless for the sake of my mental health. I was 18 00:01:05,640 --> 00:01:08,319 Speaker 2: just trying to survive, getting through my ATA and relying 19 00:01:08,319 --> 00:01:10,679 Speaker 2: on the small senti Link payments to keep me alive. 20 00:01:11,200 --> 00:01:14,200 Speaker 2: Fast forward to now, I'm nineteen, have a full time 21 00:01:14,280 --> 00:01:17,399 Speaker 2: job in government and full time study and able to 22 00:01:17,400 --> 00:01:21,039 Speaker 2: find secure housing, purchase a brand new car. Outright, we'll 23 00:01:21,040 --> 00:01:23,720 Speaker 2: you'll be terrified of my bank account and live the 24 00:01:23,760 --> 00:01:27,640 Speaker 2: financially free life. I thought I could only dream about what. 25 00:01:28,120 --> 00:01:32,039 Speaker 3: And you're only nineteen, that only two years ago. 26 00:01:32,360 --> 00:01:35,520 Speaker 2: I know we've got our money diarist on the line, 27 00:01:35,560 --> 00:01:37,959 Speaker 2: and I think that we've got a lot of questions 28 00:01:38,000 --> 00:01:40,040 Speaker 2: for you. Thank you for joining us. 29 00:01:40,480 --> 00:01:43,000 Speaker 4: That's okay, it's my pleasure. I'm happy to be here. 30 00:01:43,400 --> 00:01:45,759 Speaker 3: Oh my gosh, we are so happy you are here 31 00:01:45,920 --> 00:01:48,720 Speaker 3: as well. And it sounds like you have had an 32 00:01:48,800 --> 00:01:51,760 Speaker 3: ultimate money glow up. I love that. It's amazing what 33 00:01:52,080 --> 00:01:54,320 Speaker 3: getting rid of something toxic in your life does for 34 00:01:54,320 --> 00:01:58,840 Speaker 3: your life. So let's get straight into our questions. And 35 00:01:58,920 --> 00:02:02,160 Speaker 3: my first one I'm so interested to know from you 36 00:02:02,640 --> 00:02:05,360 Speaker 3: is what is your attitude towards money? 37 00:02:06,840 --> 00:02:09,320 Speaker 4: So I think my attitude towards money is kind of, 38 00:02:09,360 --> 00:02:11,760 Speaker 4: I think, really common in these money diaries, where it's 39 00:02:11,800 --> 00:02:14,560 Speaker 4: been shaped by my family. So it was like when 40 00:02:14,600 --> 00:02:17,400 Speaker 4: I was young, we didn't talk about money at all. 41 00:02:17,480 --> 00:02:19,680 Speaker 4: But as I got kind of older, I realized that 42 00:02:19,720 --> 00:02:22,160 Speaker 4: my family was kind of while they had good jobs, 43 00:02:22,160 --> 00:02:24,880 Speaker 4: eight we're in a lot of debt like car loans, 44 00:02:24,919 --> 00:02:28,520 Speaker 4: credit cards, mortgage and then so when my parents split up, 45 00:02:29,120 --> 00:02:31,240 Speaker 4: I think that really came to the front of my 46 00:02:32,280 --> 00:02:35,480 Speaker 4: mum's mind and we moved, and we really really struggled 47 00:02:35,480 --> 00:02:37,400 Speaker 4: with money because she was dealing with a lot of 48 00:02:37,960 --> 00:02:41,200 Speaker 4: mental health issues as a result of family violence, so 49 00:02:41,240 --> 00:02:46,160 Speaker 4: she could couldn't secure permanent work because of those issues. 50 00:02:46,240 --> 00:02:49,480 Speaker 4: And then so we really really struggled. So I think 51 00:02:49,560 --> 00:02:52,440 Speaker 4: that and I went to a private Catholic school, so 52 00:02:52,480 --> 00:02:55,240 Speaker 4: it was like at home we really struggled with money. 53 00:02:55,240 --> 00:02:57,280 Speaker 4: But I went to school and everyone had new things 54 00:02:57,360 --> 00:03:02,560 Speaker 4: and we're living this life style. So then I kind 55 00:03:02,600 --> 00:03:05,959 Speaker 4: of couldn't deal with that household anymore. It was got 56 00:03:06,000 --> 00:03:09,080 Speaker 4: to a point where I couldn't help her help herself anymore. 57 00:03:09,080 --> 00:03:11,600 Speaker 4: So I needed to kind of get out for myself. 58 00:03:11,639 --> 00:03:15,840 Speaker 4: And then so I was getting these CENTILENTK payments and 59 00:03:15,880 --> 00:03:19,200 Speaker 4: it really opened my mind up to I don't have 60 00:03:19,280 --> 00:03:22,480 Speaker 4: to live that life that my family did it, and 61 00:03:22,520 --> 00:03:25,680 Speaker 4: I can kind of divide up my money because it's mine, 62 00:03:25,720 --> 00:03:27,239 Speaker 4: it's not anyone else's, and I can do with it 63 00:03:27,320 --> 00:03:30,280 Speaker 4: as I please. And then so getting good job just 64 00:03:30,360 --> 00:03:33,960 Speaker 4: meant that my attitude towards money is really positive now, 65 00:03:34,040 --> 00:03:37,480 Speaker 4: and it meant that like money enables me to like 66 00:03:37,600 --> 00:03:40,080 Speaker 4: live this life that I want to, not just being 67 00:03:40,120 --> 00:03:41,760 Speaker 4: able to buy what I want to do what I want. 68 00:03:41,840 --> 00:03:44,360 Speaker 4: But just having that security, I think is something that 69 00:03:44,680 --> 00:03:46,560 Speaker 4: I will never take for granted ever. 70 00:03:46,640 --> 00:03:49,280 Speaker 3: Again, I'm so impressed that you are so young and 71 00:03:49,400 --> 00:03:53,040 Speaker 3: have that mindset that It's funny because a couple of 72 00:03:53,040 --> 00:03:56,960 Speaker 3: weeks ago, you know, the internet's not the kindest place, 73 00:03:57,200 --> 00:04:01,080 Speaker 3: especially when you're talking about taboo topics, like so some 74 00:04:01,160 --> 00:04:04,560 Speaker 3: people aren't as kind as they should be. But someone 75 00:04:04,640 --> 00:04:06,200 Speaker 3: slid into my DMS and they're like, why are you 76 00:04:06,200 --> 00:04:08,840 Speaker 3: always talking about money stories? It's just fluff talk more 77 00:04:08,840 --> 00:04:12,960 Speaker 3: about budgeting, And it's so important to understand your money 78 00:04:13,000 --> 00:04:15,240 Speaker 3: story and where you've come from so we know where 79 00:04:15,240 --> 00:04:17,279 Speaker 3: we're going and we can actually be grateful for that 80 00:04:17,400 --> 00:04:20,640 Speaker 3: journey and see where maybe as you said, like there 81 00:04:20,680 --> 00:04:23,360 Speaker 3: weren't some positive things in your history and in your 82 00:04:23,440 --> 00:04:26,320 Speaker 3: money story, but you knew what to change. But if 83 00:04:26,360 --> 00:04:28,560 Speaker 3: we don't reflect on that, we can't grow from it 84 00:04:28,600 --> 00:04:31,640 Speaker 3: and we can't learn from it. It's just so important 85 00:04:31,680 --> 00:04:35,080 Speaker 3: to actually fully comprehend our money stories. To me, I'm 86 00:04:35,120 --> 00:04:39,080 Speaker 3: just like, that's arguably more important than me teaching about 87 00:04:39,160 --> 00:04:41,760 Speaker 3: budgeting or me teaching you what cash flow is. Like, 88 00:04:42,200 --> 00:04:44,760 Speaker 3: learn about where you've come from and where you want 89 00:04:44,800 --> 00:04:48,080 Speaker 3: to go first. Oh my gosh, so important, and it 90 00:04:48,160 --> 00:04:51,240 Speaker 3: sounds like at nineteen you already know this, so that 91 00:04:51,560 --> 00:04:55,040 Speaker 3: you don't even need us, my friend. But the next 92 00:04:55,120 --> 00:04:58,479 Speaker 3: question is how much do you earn and what do 93 00:04:58,560 --> 00:04:59,880 Speaker 3: you do for work? My friend? 94 00:05:01,240 --> 00:05:04,680 Speaker 4: So I work in for the federal government and I 95 00:05:04,800 --> 00:05:07,760 Speaker 4: earn just on sixty thousand dollars a year. 96 00:05:07,760 --> 00:05:11,360 Speaker 3: But I've applied teen that is so good. 97 00:05:12,279 --> 00:05:15,279 Speaker 4: And I've applied for a different job which I've made 98 00:05:15,279 --> 00:05:18,800 Speaker 4: it to the final stage of recruitment, so for corrolations, 99 00:05:19,279 --> 00:05:23,320 Speaker 4: and that's earning about seventy eight thousand dollars. So a player. 100 00:05:25,040 --> 00:05:27,200 Speaker 3: I can see on your face that you're so proud 101 00:05:27,240 --> 00:05:30,159 Speaker 3: of yourself too. You're such a glowy, happy human. Oh 102 00:05:30,200 --> 00:05:31,239 Speaker 3: my gosh. 103 00:05:31,720 --> 00:05:33,880 Speaker 4: Yeah, I think it's taken a while for me to 104 00:05:33,920 --> 00:05:37,600 Speaker 4: become proud of myself. But I think now watch like 105 00:05:37,680 --> 00:05:40,680 Speaker 4: watching myself grow and looking back two years ago. I 106 00:05:40,720 --> 00:05:43,520 Speaker 4: was having this conversation with my boyfriend yesterday that two 107 00:05:43,600 --> 00:05:46,960 Speaker 4: years ago, I think I would like pass out looking 108 00:05:47,000 --> 00:05:49,719 Speaker 4: at how far I've come kind of financially and how 109 00:05:49,760 --> 00:05:52,119 Speaker 4: independent I am. That I never thought it would happen. 110 00:05:52,680 --> 00:05:55,440 Speaker 3: Oh, I'm so proud of you. I have no right 111 00:05:55,520 --> 00:05:58,240 Speaker 3: to be proud of you. Your journey is yours alone. 112 00:05:58,560 --> 00:06:01,680 Speaker 3: But just being able to and see that it's just 113 00:06:01,760 --> 00:06:03,919 Speaker 3: so inspirational. And I know that there are going to 114 00:06:03,920 --> 00:06:06,760 Speaker 3: be some people listening to this podcast today who are 115 00:06:06,800 --> 00:06:09,880 Speaker 3: in your past situation where they just can't see the 116 00:06:09,960 --> 00:06:11,800 Speaker 3: light at the end of the tunnel. And you know, 117 00:06:12,000 --> 00:06:14,479 Speaker 3: you've gone through a situation where you literally said you 118 00:06:14,520 --> 00:06:18,400 Speaker 3: were homeless because it was better than staying in that situation. 119 00:06:18,800 --> 00:06:21,080 Speaker 3: And that's a situation no one should have to go through. 120 00:06:21,080 --> 00:06:22,480 Speaker 3: But if you are going to go through it, look 121 00:06:22,480 --> 00:06:24,440 Speaker 3: at this light at the end of the tunnel. I 122 00:06:24,480 --> 00:06:27,120 Speaker 3: wish you could see our money direspace. She's the glowiest, 123 00:06:27,120 --> 00:06:31,520 Speaker 3: happiest human despite what she's been through. So next question, 124 00:06:32,000 --> 00:06:35,240 Speaker 3: my friend, is what is your big money goal at 125 00:06:35,240 --> 00:06:35,719 Speaker 3: the moment. 126 00:06:37,080 --> 00:06:40,840 Speaker 4: I think my biggest money goal is to save up 127 00:06:40,960 --> 00:06:43,880 Speaker 4: money to go traveling. Because my family was kind of 128 00:06:43,920 --> 00:06:46,680 Speaker 4: in debt for most of my childhood, we didn't really 129 00:06:46,720 --> 00:06:49,240 Speaker 4: get that opportunity, like we went around Australia. But I 130 00:06:49,279 --> 00:06:53,320 Speaker 4: really want to go overseas and kind of see different cultures. 131 00:06:53,360 --> 00:06:55,400 Speaker 4: And I don't really know whether I want to settle 132 00:06:55,480 --> 00:06:58,200 Speaker 4: where I am right now, like in the city I 133 00:06:58,240 --> 00:07:01,000 Speaker 4: am now, so I don't want to, Like I am 134 00:07:01,080 --> 00:07:05,760 Speaker 4: putting aside money for a mortgage, but that's not my 135 00:07:05,880 --> 00:07:07,120 Speaker 4: number one priority. 136 00:07:07,279 --> 00:07:10,160 Speaker 3: Yeah, oh my gosh. I love that you're going to 137 00:07:10,240 --> 00:07:13,520 Speaker 3: get to do all these things that historically you just 138 00:07:13,520 --> 00:07:16,560 Speaker 3: didn't have. And I think that that's okay. Like, you know, 139 00:07:16,760 --> 00:07:19,120 Speaker 3: regardless of what family you grow up in, not every 140 00:07:19,160 --> 00:07:21,960 Speaker 3: single family can afford to take you on overseas holidays. 141 00:07:22,000 --> 00:07:24,920 Speaker 3: That's kind of like a luxury of becoming an adult. 142 00:07:25,280 --> 00:07:27,960 Speaker 3: But I love that you're prioritizing that and that's something 143 00:07:28,000 --> 00:07:30,640 Speaker 3: that you're like Nope, Like, yep, mortgage is really important, 144 00:07:30,680 --> 00:07:32,280 Speaker 3: but I also want to travel. I want to see 145 00:07:32,280 --> 00:07:33,480 Speaker 3: the world. I don't even know if I want to 146 00:07:33,480 --> 00:07:35,240 Speaker 3: settle down here. I'm just going to work out what's 147 00:07:35,320 --> 00:07:38,160 Speaker 3: right for me. Like, oh, I love this story. I 148 00:07:38,200 --> 00:07:42,080 Speaker 3: love what you're up to. Next question, you're nineteen, but 149 00:07:42,560 --> 00:07:44,920 Speaker 3: do you have any investments? 150 00:07:45,680 --> 00:07:48,240 Speaker 4: So a big priority for me when I entered the 151 00:07:48,280 --> 00:07:52,560 Speaker 4: workforce was like making extra super contribution. So I my 152 00:07:52,680 --> 00:07:56,400 Speaker 4: workplace contributes fifteen point nine percent, but I round that 153 00:07:56,480 --> 00:07:58,680 Speaker 4: out so it's twenty. 154 00:07:58,520 --> 00:08:04,040 Speaker 3: Governments and twenty percent super Yeah, holy guock. A mole. 155 00:08:04,440 --> 00:08:11,160 Speaker 3: Oh my gosh, she go it nicest time I'm coming 156 00:08:11,200 --> 00:08:14,080 Speaker 3: to say at your place, like it will be fine. 157 00:08:14,360 --> 00:08:17,720 Speaker 3: You are going to be set, my friend. And making 158 00:08:17,760 --> 00:08:21,240 Speaker 3: these sacrifices early means that they're all going to add 159 00:08:21,360 --> 00:08:24,240 Speaker 3: up and have even longer to compound over time, Like, 160 00:08:24,400 --> 00:08:27,400 Speaker 3: oh my gosh, I'm literally so excited to see this 161 00:08:27,560 --> 00:08:30,480 Speaker 3: because the soon you start, obviously, the longer it has 162 00:08:30,520 --> 00:08:34,160 Speaker 3: to compound, Like you're nineteen, it's gonna have like forty 163 00:08:34,240 --> 00:08:37,800 Speaker 3: or fifty years before you even need it, like, oh 164 00:08:38,160 --> 00:08:38,720 Speaker 3: so good. 165 00:08:39,440 --> 00:08:42,440 Speaker 4: And I also have a spaceship investment just because I 166 00:08:42,600 --> 00:08:42,960 Speaker 4: like you. 167 00:08:42,880 --> 00:08:46,360 Speaker 3: To I've watched that to queen, And do you put 168 00:08:46,360 --> 00:08:48,720 Speaker 3: a regular contribution into that or just like some spare 169 00:08:48,800 --> 00:08:51,559 Speaker 3: change or how are you using a micro investing platform? 170 00:08:51,760 --> 00:08:55,080 Speaker 4: I do fifty bucks a Fortnite just to kind of 171 00:08:55,120 --> 00:08:56,560 Speaker 4: have it sitting there and watch. 172 00:08:57,240 --> 00:09:01,040 Speaker 3: Oh my gosh, I love this. You're a little all right. 173 00:09:01,440 --> 00:09:03,400 Speaker 3: I feel like I know the answer to this question, 174 00:09:03,480 --> 00:09:06,840 Speaker 3: but we're gonna ask anyway. Do you currently have any debts? 175 00:09:08,120 --> 00:09:11,080 Speaker 4: So no, I don't have any bad debt. But the 176 00:09:11,120 --> 00:09:14,680 Speaker 4: only good debt I have is half of my hex 177 00:09:14,760 --> 00:09:17,920 Speaker 4: because my workplace is paying for the other half of. 178 00:09:17,880 --> 00:09:21,839 Speaker 3: My So hold up, you get like fifteen percent super, 179 00:09:22,000 --> 00:09:24,960 Speaker 3: you're actually batting twenty percent super and half your degrees covered. 180 00:09:25,520 --> 00:09:28,720 Speaker 4: Yeah I'm lucky. Yeah, God, lucky. 181 00:09:29,000 --> 00:09:32,120 Speaker 3: You're there because you want to do and you deserve it. 182 00:09:32,160 --> 00:09:35,160 Speaker 3: But that is such a great deal. Lucky. Lucky is 183 00:09:35,240 --> 00:09:38,080 Speaker 3: finding five bucks on the ground when you're going to 184 00:09:38,080 --> 00:09:41,320 Speaker 3: get a coffee. What you are, my friend is a 185 00:09:41,440 --> 00:09:44,920 Speaker 3: hustler and someone who deserves it. That's not luck. That 186 00:09:45,080 --> 00:09:47,280 Speaker 3: is work, and I think that it's really important, and 187 00:09:47,400 --> 00:09:48,840 Speaker 3: she's on the money and in that she's on the 188 00:09:48,840 --> 00:09:51,080 Speaker 3: money team. We don't believe in luck. That's not a thing. 189 00:09:51,240 --> 00:09:54,760 Speaker 3: Everything you do you work for. And even I find 190 00:09:54,840 --> 00:09:58,080 Speaker 3: myself being a little bit guilty of this. Sometimes I'm like, oh, yeah, 191 00:09:58,120 --> 00:10:01,880 Speaker 3: I'm just so lucky that xyz. We need to replace 192 00:10:01,960 --> 00:10:04,800 Speaker 3: lucky with grateful, Like you're grateful for it. It's really good. 193 00:10:05,040 --> 00:10:07,560 Speaker 3: But you worked really hard to get to the position 194 00:10:07,600 --> 00:10:10,040 Speaker 3: that you're in, and you had to make some serious 195 00:10:10,040 --> 00:10:12,840 Speaker 3: sacrifices to get there. And I think that we all 196 00:10:12,920 --> 00:10:16,200 Speaker 3: need to recognize luck didn't actually have anything to do 197 00:10:16,280 --> 00:10:18,520 Speaker 3: with it unless you found that five bucks on the ground, 198 00:10:18,840 --> 00:10:22,120 Speaker 3: or like you won Tat's lotto. That's luck as well. Yeah, 199 00:10:22,120 --> 00:10:22,800 Speaker 3: that's lucky. 200 00:10:23,160 --> 00:10:23,800 Speaker 4: That's lucky. 201 00:10:24,120 --> 00:10:27,280 Speaker 3: I would like you to be lucky, So I would 202 00:10:27,320 --> 00:10:30,720 Speaker 3: love to be lucky guys. All right. Next question on 203 00:10:30,760 --> 00:10:34,920 Speaker 3: our list is do you use shot back? No. 204 00:10:35,520 --> 00:10:38,040 Speaker 4: I saw when I was in high school, like during 205 00:10:38,160 --> 00:10:40,559 Speaker 4: classes all my friends and they showed me how to 206 00:10:40,640 --> 00:10:42,560 Speaker 4: would use it, and they showed me how to download 207 00:10:42,559 --> 00:10:45,120 Speaker 4: it onto my browser. So I have it on my browser. 208 00:10:45,160 --> 00:10:47,320 Speaker 4: But one of my money things is that I try 209 00:10:47,400 --> 00:10:50,600 Speaker 4: not to buy online because normally when I buy online, 210 00:10:50,640 --> 00:10:54,160 Speaker 4: I just it's like a regret normally when it's online. 211 00:10:54,480 --> 00:10:57,280 Speaker 3: I feel like that is literally the best reason to 212 00:10:57,440 --> 00:10:59,880 Speaker 3: not use shot back, like the only reason I'm going 213 00:10:59,920 --> 00:11:03,560 Speaker 3: to be accepting moving forward. Yeah, yeah, all right. So 214 00:11:03,800 --> 00:11:07,240 Speaker 3: next question is what is your best money habit? 215 00:11:08,679 --> 00:11:10,920 Speaker 4: My best money habit, So I started this when I 216 00:11:10,960 --> 00:11:13,880 Speaker 4: first started receiving sentilink payments that I had stuff to 217 00:11:13,920 --> 00:11:16,880 Speaker 4: pay for like housing and food and all that stuff, 218 00:11:16,920 --> 00:11:20,000 Speaker 4: as well as I had like formal and graduation and 219 00:11:20,080 --> 00:11:22,120 Speaker 4: like a trip away at the end of school. So 220 00:11:22,160 --> 00:11:24,400 Speaker 4: what I started is when I would get that money 221 00:11:24,400 --> 00:11:27,400 Speaker 4: into my account, I set up automatic payments so it 222 00:11:27,440 --> 00:11:31,079 Speaker 4: would be sent off to the appropriate kind of accounts 223 00:11:31,120 --> 00:11:33,640 Speaker 4: within my bank, and then that's something that I still 224 00:11:33,679 --> 00:11:37,280 Speaker 4: have today. So when I get my salary each fortnight, 225 00:11:38,040 --> 00:11:40,280 Speaker 4: the money just disappears and I don't even really look 226 00:11:40,280 --> 00:11:42,600 Speaker 4: at it. It just goes off into the appropriate kind 227 00:11:42,640 --> 00:11:45,640 Speaker 4: of savings account, and then I know that what's actually 228 00:11:45,679 --> 00:11:48,319 Speaker 4: in my account to spend is what I have to spend. 229 00:11:48,720 --> 00:11:52,320 Speaker 3: Oh my gosh, she's a genius. Do you have That's 230 00:11:52,360 --> 00:11:54,800 Speaker 3: the next question. Do you have any bad money habits 231 00:11:54,800 --> 00:11:56,240 Speaker 3: that you're going to share with us? I feel like 232 00:11:56,280 --> 00:11:58,080 Speaker 3: she's a golden child, Tony. 233 00:11:58,360 --> 00:12:00,800 Speaker 4: No, I have that. 234 00:12:01,679 --> 00:12:03,000 Speaker 3: They come on spill the tea. 235 00:12:03,760 --> 00:12:07,640 Speaker 4: I think I get like a bit too proud of myself, 236 00:12:07,679 --> 00:12:10,920 Speaker 4: and then I'll notice go online and buy all these 237 00:12:10,920 --> 00:12:12,880 Speaker 4: things because I'm like, imagine me two years ago, I 238 00:12:12,920 --> 00:12:14,679 Speaker 4: would be so proud. I'm going to buy all these 239 00:12:14,720 --> 00:12:17,960 Speaker 4: things to congratulate myself. But that happens like a bit 240 00:12:18,000 --> 00:12:20,160 Speaker 4: too often. Then they're probably sure. 241 00:12:21,520 --> 00:12:23,680 Speaker 3: I'm going to get proud of myself. That's why I 242 00:12:23,760 --> 00:12:27,199 Speaker 3: do so much online shopping, Tony. I'm just proud. That's it. 243 00:12:27,679 --> 00:12:29,439 Speaker 3: I like the way you framed that. I'm going to 244 00:12:29,480 --> 00:12:31,800 Speaker 3: be framing all of my bad money choices is like, 245 00:12:31,880 --> 00:12:33,480 Speaker 3: it's just because I'm proud of myself. I'm just trying 246 00:12:33,520 --> 00:12:37,960 Speaker 3: to congratulate myself. I deserve it. I love that. But 247 00:12:38,360 --> 00:12:40,600 Speaker 3: how are you going to manage that? Is that something 248 00:12:40,600 --> 00:12:42,240 Speaker 3: that you're like, oh, I'm trying to cut down on 249 00:12:42,280 --> 00:12:43,920 Speaker 3: that or change it, or you're like, you know what, 250 00:12:44,040 --> 00:12:45,920 Speaker 3: that's not that bad of a body habit. 251 00:12:46,679 --> 00:12:49,000 Speaker 4: Yeah, So I take on board what you said is 252 00:12:49,000 --> 00:12:52,720 Speaker 4: putting twenty four hours between my purchases, and I'll like 253 00:12:53,120 --> 00:12:56,000 Speaker 4: talk try and talk to my friends about it to 254 00:12:56,040 --> 00:12:58,240 Speaker 4: see what they think, and like nine times out of 255 00:12:58,280 --> 00:13:00,160 Speaker 4: ten they'll be like, you don't need it. And then 256 00:13:00,200 --> 00:13:02,520 Speaker 4: so I kind of feel guilty if I were to 257 00:13:02,559 --> 00:13:05,120 Speaker 4: buy and then kind of talk about like my new skincare, 258 00:13:05,160 --> 00:13:07,680 Speaker 4: and then they would be like, why did you buy 259 00:13:07,679 --> 00:13:09,440 Speaker 4: that that. 260 00:13:09,360 --> 00:13:13,120 Speaker 3: You didn't need that? I literally always get new skincare 261 00:13:13,160 --> 00:13:15,760 Speaker 3: as well. I'm glad that our spending habits are on 262 00:13:15,880 --> 00:13:20,199 Speaker 3: the same page. My friend swink care is it's an essential, 263 00:13:20,559 --> 00:13:22,560 Speaker 3: Like it's one of those things that just goes into 264 00:13:22,559 --> 00:13:24,520 Speaker 3: the budget and you don't have to worry about. No, 265 00:13:24,600 --> 00:13:27,400 Speaker 3: you absolutely do. It's a slippery slope. Skincare. First, you're 266 00:13:27,440 --> 00:13:29,360 Speaker 3: at the ordinary, then you're lining up at Mecca, and 267 00:13:29,400 --> 00:13:32,960 Speaker 3: then you just have an ongoing adoor beauty obsession. So 268 00:13:33,400 --> 00:13:36,720 Speaker 3: I'm sorry, not sorry if I've impacted that in any way, 269 00:13:36,720 --> 00:13:42,319 Speaker 3: shape or form. So next question is if we forced 270 00:13:42,360 --> 00:13:44,560 Speaker 3: you to give yourself a money grade, what would you 271 00:13:44,679 --> 00:13:45,760 Speaker 3: grade yourself? 272 00:13:47,520 --> 00:13:51,000 Speaker 4: I think on my own kind of timeline. So I 273 00:13:51,040 --> 00:13:52,760 Speaker 4: was thinking about this in the car the other day, 274 00:13:52,840 --> 00:13:56,600 Speaker 4: whether you grade yourself like compared to the previous money doors. 275 00:13:56,679 --> 00:13:59,720 Speaker 4: But I think mine is like on me, yes, it 276 00:13:59,800 --> 00:14:03,319 Speaker 4: is my friends, So I think I will give myself 277 00:14:03,760 --> 00:14:12,160 Speaker 4: a B plus No, no, no, try again, maybe an 278 00:14:12,200 --> 00:14:14,400 Speaker 4: A Yeah yeah, yeah. 279 00:14:14,240 --> 00:14:17,040 Speaker 3: I'm so glad she came up without herself. Tony, that 280 00:14:17,200 --> 00:14:19,440 Speaker 3: was really good. I have so many questions about that. 281 00:14:19,560 --> 00:14:28,480 Speaker 3: Right after this short break, all right, straight back into 282 00:14:28,520 --> 00:14:33,080 Speaker 3: this A's money diary. First things First, you mentioned before 283 00:14:33,200 --> 00:14:36,320 Speaker 3: our break that you were not sure what you compare 284 00:14:36,400 --> 00:14:40,520 Speaker 3: your money grade. Two. To summarize, it's always to yourself. 285 00:14:40,560 --> 00:14:43,360 Speaker 3: We do not compare ourselves to other people's money journeys 286 00:14:43,440 --> 00:14:45,960 Speaker 3: or what they rate themselves like. It's something that I 287 00:14:46,000 --> 00:14:48,520 Speaker 3: actually don't even ask my team what they would rate 288 00:14:48,560 --> 00:14:51,480 Speaker 3: themselves because it's not important like to me, it's important 289 00:14:51,480 --> 00:14:54,560 Speaker 3: to understand what you've done and where you're coming from. 290 00:14:54,560 --> 00:14:57,440 Speaker 3: And it's actually a really deep question if you start 291 00:14:57,480 --> 00:15:00,640 Speaker 3: thinking about it, because you could be a sea and 292 00:15:00,680 --> 00:15:02,800 Speaker 3: you go, oh, I'm a sea, but like that's really 293 00:15:02,800 --> 00:15:04,800 Speaker 3: good for me, Like that's you know, I'm on this 294 00:15:04,960 --> 00:15:08,760 Speaker 3: journey where somebody else might go see or unacceptable, I've 295 00:15:08,800 --> 00:15:11,960 Speaker 3: really slipped. Like we are in different places and we're 296 00:15:12,000 --> 00:15:14,760 Speaker 3: on different journeys, and I think it's really important to 297 00:15:14,920 --> 00:15:17,640 Speaker 3: never compare our journey to that of others, which is 298 00:15:17,680 --> 00:15:21,320 Speaker 3: why we share so many different and diverse money stories 299 00:15:21,600 --> 00:15:23,800 Speaker 3: so that you guys can learn from each other. But 300 00:15:23,920 --> 00:15:27,120 Speaker 3: it's definitely not to compare our circumstances. Like I mean, 301 00:15:27,160 --> 00:15:29,960 Speaker 3: it's nice to go, oh, that many diarists they did 302 00:15:29,960 --> 00:15:32,280 Speaker 3: this thing that I could implement, like that's what this 303 00:15:32,520 --> 00:15:35,960 Speaker 3: is for, or oh that money diarist they went through 304 00:15:35,960 --> 00:15:38,760 Speaker 3: this situation and now I know not to do that, 305 00:15:38,960 --> 00:15:41,800 Speaker 3: Like that's a good thing. But it's absolutely not to 306 00:15:41,880 --> 00:15:44,760 Speaker 3: compare ourselves. So I hope that that clears up anything 307 00:15:44,840 --> 00:15:48,600 Speaker 3: if anybody was thinking it. But money arrest, I feel 308 00:15:48,600 --> 00:15:51,760 Speaker 3: like you've been through a fair bit. Can you step 309 00:15:51,880 --> 00:15:55,280 Speaker 3: us back two years? Doesn't feel like that long ago 310 00:15:55,880 --> 00:15:58,800 Speaker 3: you said you left a home situation that was really 311 00:15:58,840 --> 00:16:02,720 Speaker 3: toxic and chose to be homeless over that. How did 312 00:16:02,760 --> 00:16:05,320 Speaker 3: you make that decision? And I guess how did you 313 00:16:05,360 --> 00:16:08,720 Speaker 3: prepare yourself to make that decision, because that's a massive one. 314 00:16:10,080 --> 00:16:13,520 Speaker 4: Yeah. So it was a long time, like I think, 315 00:16:13,560 --> 00:16:17,920 Speaker 4: from the age fourteen, when I was clinically diagnosed with 316 00:16:18,000 --> 00:16:21,200 Speaker 4: some mental health issues with and then from there all 317 00:16:21,240 --> 00:16:23,920 Speaker 4: the way to when I was seventeen, and then one 318 00:16:23,960 --> 00:16:25,720 Speaker 4: day it just kind of blew up and I was like, 319 00:16:25,760 --> 00:16:28,320 Speaker 4: I can't do this, I can't do this anymore. So 320 00:16:28,360 --> 00:16:30,760 Speaker 4: I called one of my friends and I was really 321 00:16:30,800 --> 00:16:33,160 Speaker 4: lucky enough that her family was able to kind of 322 00:16:33,200 --> 00:16:35,720 Speaker 4: take me in and I could sleep on their lounge. 323 00:16:35,720 --> 00:16:40,040 Speaker 4: But it was really really difficult, I think, because there 324 00:16:40,040 --> 00:16:42,360 Speaker 4: was so many, like at school and some of my 325 00:16:42,440 --> 00:16:45,320 Speaker 4: other family members and teachers and all these adults in 326 00:16:45,360 --> 00:16:47,920 Speaker 4: my life telling me that I was making the wrong decision. 327 00:16:47,960 --> 00:16:52,200 Speaker 4: But kind of in my heart, I knew that whatever else, 328 00:16:52,360 --> 00:16:54,480 Speaker 4: whatever else bad that was going to happen to me, 329 00:16:54,680 --> 00:16:57,640 Speaker 4: was not worse than the situation that I was in 330 00:16:57,760 --> 00:16:58,280 Speaker 4: at home. 331 00:16:59,040 --> 00:17:01,680 Speaker 3: And you were so young to make that decision, and 332 00:17:02,440 --> 00:17:04,679 Speaker 3: I think, you know, I was about to say, and 333 00:17:04,680 --> 00:17:06,680 Speaker 3: I love that. That's one of those things that I say. 334 00:17:06,680 --> 00:17:09,400 Speaker 3: I don't love that, but I'm just so grateful that 335 00:17:09,440 --> 00:17:11,800 Speaker 3: at such a young age you knew to trust your gut, 336 00:17:12,240 --> 00:17:14,560 Speaker 3: like you knew that that was the right thing for you. 337 00:17:14,640 --> 00:17:17,199 Speaker 3: And when we're young, we so often don't listen to 338 00:17:17,280 --> 00:17:20,440 Speaker 3: our own gut. We always listen to what other people saying. 339 00:17:20,440 --> 00:17:23,240 Speaker 3: Oh they're older and they're an adult, they would know best. 340 00:17:23,680 --> 00:17:26,920 Speaker 3: How did you trust your gut when everybody in your life, 341 00:17:27,000 --> 00:17:28,840 Speaker 3: I suppose, was telling you you were wrong. 342 00:17:30,560 --> 00:17:35,480 Speaker 4: I think this big wave of relief kind of washed 343 00:17:35,520 --> 00:17:38,159 Speaker 4: over me after I had left and after I had 344 00:17:38,200 --> 00:17:41,240 Speaker 4: blocked phone numbers and stuff. It was just like, this life, 345 00:17:41,359 --> 00:17:43,800 Speaker 4: whatever it is right now, is so much better. And 346 00:17:43,840 --> 00:17:46,400 Speaker 4: that's why I knew that I had done the right thing, 347 00:17:46,400 --> 00:17:48,960 Speaker 4: and whatever kind of was coming for me was the 348 00:17:49,040 --> 00:17:52,120 Speaker 4: right thing that was meant for me, because it made 349 00:17:52,160 --> 00:17:55,359 Speaker 4: it all kind of worth it. And I knew that 350 00:17:55,640 --> 00:17:57,879 Speaker 4: whatever people were saying to me, what they were saying 351 00:17:57,920 --> 00:18:01,119 Speaker 4: to me kind of wasn't worse than the guilt I 352 00:18:01,240 --> 00:18:04,400 Speaker 4: was already feeling. So I just had to keep kind 353 00:18:04,480 --> 00:18:07,840 Speaker 4: of pushing through in trust in my decision, and also 354 00:18:07,880 --> 00:18:10,240 Speaker 4: because I like it would have been too stubborn to 355 00:18:10,880 --> 00:18:13,000 Speaker 4: go back and kind of prove the people in my 356 00:18:13,119 --> 00:18:13,800 Speaker 4: life right. 357 00:18:14,520 --> 00:18:17,600 Speaker 3: Yeah, you're like, also, I'm just real stubborn. So even 358 00:18:17,640 --> 00:18:19,520 Speaker 3: if I was wrong, I'm not going to be wrong. 359 00:18:19,800 --> 00:18:21,439 Speaker 3: I like that, I feel that I feel like that 360 00:18:21,480 --> 00:18:22,080 Speaker 3: would have been me. 361 00:18:22,440 --> 00:18:24,399 Speaker 2: It's as good a reason as any I think to 362 00:18:24,480 --> 00:18:28,000 Speaker 2: stick to your guns. But it's hard at any age 363 00:18:28,040 --> 00:18:30,439 Speaker 2: to run your own race and kind of stick to 364 00:18:30,440 --> 00:18:32,240 Speaker 2: your guns and go you know what. No, I know 365 00:18:32,400 --> 00:18:35,280 Speaker 2: that this is the right decision for me. And obviously 366 00:18:35,320 --> 00:18:37,840 Speaker 2: I know that you said that you receive some sentiling payments, 367 00:18:37,840 --> 00:18:40,680 Speaker 2: but being so young, I'm guessing you didn't really have 368 00:18:40,880 --> 00:18:45,560 Speaker 2: like a financial identity yet. How do you feel both 369 00:18:45,600 --> 00:18:49,119 Speaker 2: good and bad that that has shaped how you behave 370 00:18:49,160 --> 00:18:50,000 Speaker 2: around money now? 371 00:18:51,440 --> 00:18:55,480 Speaker 4: I think the bad We'll start with the bad. I 372 00:18:55,480 --> 00:18:58,159 Speaker 4: think the bad was that I was constantly kind of 373 00:18:58,240 --> 00:19:02,040 Speaker 4: comparing myself to my peers because like it was formal 374 00:19:02,080 --> 00:19:04,560 Speaker 4: time and everyone was buying six hundred dollars dresses and 375 00:19:04,600 --> 00:19:07,199 Speaker 4: I had to like work an extra job to be 376 00:19:07,280 --> 00:19:10,480 Speaker 4: able to purchase stuff. And then it was really difficult. 377 00:19:10,480 --> 00:19:14,000 Speaker 4: I didn't have family attend my formal and so that 378 00:19:14,119 --> 00:19:16,280 Speaker 4: was really hard. And then so yeah, it was constantly 379 00:19:16,320 --> 00:19:18,720 Speaker 4: discomparison that I need the newest things to be able 380 00:19:18,720 --> 00:19:22,040 Speaker 4: to compare myself and compete. But then that kind of 381 00:19:22,440 --> 00:19:24,840 Speaker 4: I think if I didn't have that so young, I 382 00:19:24,880 --> 00:19:28,159 Speaker 4: would still be in that mindset now having to compare 383 00:19:28,200 --> 00:19:30,360 Speaker 4: myself and compete with the people around me. But now 384 00:19:30,480 --> 00:19:35,560 Speaker 4: I know what you've said, Victoria. I think it's if 385 00:19:35,600 --> 00:19:39,240 Speaker 4: you live fake rich now, you'll live real poor later. 386 00:19:39,280 --> 00:19:41,119 Speaker 4: And that kind of place in the back of my 387 00:19:41,240 --> 00:19:44,600 Speaker 4: mind when I go to kind of make purchases and 388 00:19:44,680 --> 00:19:47,400 Speaker 4: feel like I'm not keeping up with people around me. 389 00:19:47,400 --> 00:19:50,439 Speaker 3: I think that that is something that is so true. 390 00:19:50,640 --> 00:19:53,800 Speaker 3: And you don't know until you actually comprehend what that 391 00:19:53,920 --> 00:19:56,960 Speaker 3: means to you deeply. Like it seems like a flip 392 00:19:56,960 --> 00:20:00,159 Speaker 3: and comment and like it's catchy, so it's cute, but 393 00:20:00,280 --> 00:20:02,080 Speaker 3: like at the end of the day, it actually means 394 00:20:02,119 --> 00:20:04,800 Speaker 3: something really deep and like real, Paul later is a 395 00:20:04,840 --> 00:20:08,080 Speaker 3: real issue. And from what you've said, like you've seen 396 00:20:08,200 --> 00:20:10,920 Speaker 3: what that could look like in motion, like you've seen 397 00:20:10,960 --> 00:20:13,520 Speaker 3: it in your money story, You've seen it in as 398 00:20:13,560 --> 00:20:15,800 Speaker 3: you were saying at the start of this episode, like 399 00:20:15,880 --> 00:20:18,399 Speaker 3: in family who were in debt and had credit cards 400 00:20:18,400 --> 00:20:20,439 Speaker 3: and car loans and stuff like that. You're like, okay, 401 00:20:20,520 --> 00:20:23,240 Speaker 3: Like that's what real Paul means. It's not like, oh, 402 00:20:23,280 --> 00:20:26,239 Speaker 3: you'll miss out later, It's oh, you might end up 403 00:20:26,240 --> 00:20:29,200 Speaker 3: in a really big pickle later. So I think it's 404 00:20:29,200 --> 00:20:31,399 Speaker 3: one of those things that we really need to comprehend 405 00:20:31,800 --> 00:20:34,359 Speaker 3: properly and what that deeply means. Because I don't just 406 00:20:34,400 --> 00:20:36,359 Speaker 3: say it because it's a fun quote. I say it 407 00:20:36,400 --> 00:20:39,439 Speaker 3: because it's literally like you need to start caring about 408 00:20:39,480 --> 00:20:42,679 Speaker 3: these things. But something I would love to ask is 409 00:20:43,080 --> 00:20:45,040 Speaker 3: just about the plan that you made. You said you 410 00:20:45,119 --> 00:20:49,119 Speaker 3: got sentling payments, and I know people in your circumstances 411 00:20:49,240 --> 00:20:52,720 Speaker 3: or the circumstances that you were in, are often like, 412 00:20:52,920 --> 00:20:55,280 Speaker 3: oh where do I start? What do I do? How 413 00:20:55,280 --> 00:20:57,120 Speaker 3: did you know that you needed to go to get 414 00:20:57,160 --> 00:21:00,360 Speaker 3: scentling payments? And how did you start that process as 415 00:21:00,400 --> 00:21:02,199 Speaker 3: going all right, I need an income, this is what 416 00:21:02,240 --> 00:21:02,840 Speaker 3: I'm going to do. 417 00:21:03,920 --> 00:21:08,119 Speaker 4: Yeah. So it was a really stupidly extensive process because 418 00:21:08,119 --> 00:21:10,639 Speaker 4: it was like, because I was under the age of 419 00:21:10,680 --> 00:21:13,600 Speaker 4: twenty three, I think I had to declare independent, which 420 00:21:13,600 --> 00:21:16,639 Speaker 4: means that you have to contact like your parental figure, 421 00:21:16,640 --> 00:21:19,879 Speaker 4: which that's made really difficult after you've kind of left 422 00:21:19,920 --> 00:21:23,639 Speaker 4: and there's cutoff communications. So I had some really supportive 423 00:21:23,640 --> 00:21:26,760 Speaker 4: extended family that were willing to kind of write for 424 00:21:26,840 --> 00:21:29,320 Speaker 4: me and say that I haven't been dependent on that 425 00:21:29,400 --> 00:21:32,240 Speaker 4: person for x amount of time. And then the next 426 00:21:32,320 --> 00:21:35,160 Speaker 4: step is the kind of engaging a case worker, which 427 00:21:35,200 --> 00:21:39,000 Speaker 4: is even more difficult because they're obviously pretty thinly stretched. 428 00:21:39,960 --> 00:21:42,359 Speaker 4: And then so and then you have to engage like 429 00:21:42,440 --> 00:21:45,199 Speaker 4: all these different people like people at school, extended family, 430 00:21:45,280 --> 00:21:48,760 Speaker 4: friends and stuff that, and you kind of then feel 431 00:21:48,800 --> 00:21:51,040 Speaker 4: this guilt because these are the same people that are 432 00:21:51,040 --> 00:21:53,359 Speaker 4: telling you that you made the wrong decision. But then 433 00:21:53,400 --> 00:21:56,159 Speaker 4: you're having to reach out and ask for their help. 434 00:21:56,480 --> 00:21:58,879 Speaker 4: And then so eventually, I think it was coming on 435 00:21:59,040 --> 00:22:01,479 Speaker 4: six months after that I had left that I actually 436 00:22:01,520 --> 00:22:05,240 Speaker 4: started receiving those payments, which those six months was so 437 00:22:05,440 --> 00:22:08,840 Speaker 4: much time. Yeah, it was. It was a long time. 438 00:22:08,880 --> 00:22:11,320 Speaker 4: And I was lucky enough that I had like a 439 00:22:11,359 --> 00:22:16,160 Speaker 4: weekend casual job with like six hours, just two weeks 440 00:22:16,160 --> 00:22:19,000 Speaker 4: that hashed together, yeah, just to be able to kind 441 00:22:19,040 --> 00:22:22,600 Speaker 4: of have that little bit of income. And then once 442 00:22:22,640 --> 00:22:25,760 Speaker 4: I received the payments, you realize that, like I think 443 00:22:25,760 --> 00:22:28,280 Speaker 4: it was four hundred and eighteen dollars a fortnight. Like 444 00:22:28,359 --> 00:22:30,399 Speaker 4: that goes so quick. 445 00:22:31,200 --> 00:22:34,520 Speaker 3: Yeah, it really really money. Yeah, But like at the 446 00:22:34,600 --> 00:22:37,280 Speaker 3: same time, that money meant that you didn't have to 447 00:22:37,320 --> 00:22:39,760 Speaker 3: turn back to a situation you didn't want to be in. 448 00:22:39,880 --> 00:22:43,119 Speaker 3: So it might not be heaps, but it's enough to 449 00:22:43,200 --> 00:22:44,560 Speaker 3: get by sometimes. 450 00:22:45,400 --> 00:22:47,520 Speaker 4: Yeah. I think it was definitely a bit of a 451 00:22:47,560 --> 00:22:50,480 Speaker 4: wake up call to be like, Okay, well this is 452 00:22:50,560 --> 00:22:53,720 Speaker 4: possible and me to live this life and feel better 453 00:22:53,800 --> 00:22:58,160 Speaker 4: and more mentally stable and potentially have a more stable household. 454 00:22:58,160 --> 00:23:00,720 Speaker 4: This is made possible by these payments it's coming in. 455 00:23:01,119 --> 00:23:04,240 Speaker 4: And then once I reach got a full time job 456 00:23:05,280 --> 00:23:07,520 Speaker 4: at the beginning of last year, it kind of struck 457 00:23:07,560 --> 00:23:09,200 Speaker 4: me that I was like, oh my god, I can't 458 00:23:09,240 --> 00:23:11,760 Speaker 4: believe that I was managing to kind of live off 459 00:23:11,760 --> 00:23:12,600 Speaker 4: that amount. 460 00:23:14,160 --> 00:23:17,399 Speaker 3: It's always impressive looking back at how you got through 461 00:23:17,520 --> 00:23:20,200 Speaker 3: such a situation. You're like, how did I even do that? 462 00:23:20,280 --> 00:23:23,720 Speaker 3: But you did it and that is so impressive. So 463 00:23:23,960 --> 00:23:27,239 Speaker 3: if somebody is in a similar situation to what you 464 00:23:27,280 --> 00:23:29,719 Speaker 3: were in, what would you tell them? What should they 465 00:23:29,760 --> 00:23:32,640 Speaker 3: be preparing? What do they need to know from someone 466 00:23:32,680 --> 00:23:35,560 Speaker 3: who's gone through it and come out very nicely. 467 00:23:35,600 --> 00:23:39,080 Speaker 4: On the other side, I think it comes back to 468 00:23:39,119 --> 00:23:41,639 Speaker 4: what we were speaking about before, about trusting your gut 469 00:23:41,720 --> 00:23:44,440 Speaker 4: and kind of knowing what's because at the end of 470 00:23:44,480 --> 00:23:46,760 Speaker 4: the day, you're the person that knows what's best for 471 00:23:46,800 --> 00:23:49,239 Speaker 4: you more than anyone else in your life, so just 472 00:23:49,280 --> 00:23:52,760 Speaker 4: knowing that. And I think it's all about seeking opportunities. 473 00:23:52,800 --> 00:23:55,280 Speaker 4: Like I know that's normally what people say when they're 474 00:23:55,320 --> 00:23:58,879 Speaker 4: they're the ones that are in high opportunities and higher roles. 475 00:23:58,880 --> 00:24:02,400 Speaker 4: But I think it is like taking opportunities as they 476 00:24:02,440 --> 00:24:05,280 Speaker 4: come and understanding that you won't be in that situation 477 00:24:05,520 --> 00:24:08,520 Speaker 4: forever and that it's a stepping stone. So once you 478 00:24:08,520 --> 00:24:11,040 Speaker 4: get a little bit of experience in one area, that 479 00:24:11,119 --> 00:24:14,760 Speaker 4: translates nicely, not just into other career opportunities, but just 480 00:24:14,800 --> 00:24:19,480 Speaker 4: into like networking skills and communications skills and building relationships, 481 00:24:19,480 --> 00:24:22,040 Speaker 4: which I think has helped me so much over the 482 00:24:22,040 --> 00:24:23,159 Speaker 4: past couple of years. 483 00:24:23,520 --> 00:24:26,720 Speaker 3: You do not sound nineteen, my friend. You are wise 484 00:24:26,800 --> 00:24:29,480 Speaker 3: beyond your years, and I'm sure I'm not the first 485 00:24:29,520 --> 00:24:32,120 Speaker 3: person to have said that to you. But your head 486 00:24:32,200 --> 00:24:35,199 Speaker 3: is screwed on in exactly the right direction, and I 487 00:24:35,240 --> 00:24:38,560 Speaker 3: can see you going so far like I can't wait, 488 00:24:38,920 --> 00:24:40,840 Speaker 3: I hope that we get to stay friends for a 489 00:24:40,880 --> 00:24:43,719 Speaker 3: long time after this money Diary goes out, because I 490 00:24:43,880 --> 00:24:46,160 Speaker 3: just feel like watching you is going to be such 491 00:24:46,200 --> 00:24:46,639 Speaker 3: a joy. 492 00:24:47,440 --> 00:24:50,520 Speaker 4: Yeah, I'm also like, now it's the first time in 493 00:24:50,560 --> 00:24:53,000 Speaker 4: my life I think that I'm excited for my own future, 494 00:24:53,359 --> 00:24:56,199 Speaker 4: because before it was like, Okay, I'm gonna have to 495 00:24:56,200 --> 00:24:58,800 Speaker 4: go to UNI for four years and then like I 496 00:24:58,920 --> 00:25:00,760 Speaker 4: won't even get a job because I don't have that 497 00:25:00,920 --> 00:25:03,119 Speaker 4: kind of like foundations that a lot of people I 498 00:25:03,160 --> 00:25:06,600 Speaker 4: know do well. My family doesn't have those connections that 499 00:25:06,720 --> 00:25:09,480 Speaker 4: other people do. And then so now I'm super excited 500 00:25:09,520 --> 00:25:12,280 Speaker 4: to see what where I'll be in five years and 501 00:25:12,400 --> 00:25:15,120 Speaker 4: kind of what life I'll have, Like I'm not scared 502 00:25:15,200 --> 00:25:19,040 Speaker 4: about money anymore and having to make money to make 503 00:25:19,080 --> 00:25:21,600 Speaker 4: myself feel good. I'm excited to do work that I 504 00:25:21,720 --> 00:25:26,200 Speaker 4: enjoy and then have money be a bonus. And I think, Wow, 505 00:25:26,880 --> 00:25:30,879 Speaker 4: becoming financially free is one of the best feelings I 506 00:25:30,880 --> 00:25:34,760 Speaker 4: think I've ever experienced. Like I think people underestimate not 507 00:25:34,800 --> 00:25:37,960 Speaker 4: that money equals happiness, but I just feel so comfortable 508 00:25:38,160 --> 00:25:40,760 Speaker 4: and that I'm allowed to be excited for my future 509 00:25:40,800 --> 00:25:44,080 Speaker 4: now because I've reached that one step that I can 510 00:25:44,119 --> 00:25:47,680 Speaker 4: settle and think about things and consider things and then 511 00:25:47,760 --> 00:25:50,280 Speaker 4: make the right steps for me that aren't exactly relying 512 00:25:50,280 --> 00:25:51,639 Speaker 4: on money because I don't have to. 513 00:25:52,480 --> 00:25:55,760 Speaker 3: Yeah, that is so special. Oh my gosh, I am 514 00:25:55,840 --> 00:25:58,320 Speaker 3: so excited for you as well, And it's just so 515 00:25:58,520 --> 00:26:01,359 Speaker 3: nice to hear you say I'm really excited for what 516 00:26:01,440 --> 00:26:03,159 Speaker 3: I'm getting up to, and like I'm now in a 517 00:26:03,160 --> 00:26:07,800 Speaker 3: position where I can enjoy this and not being financially stressed. 518 00:26:07,960 --> 00:26:12,480 Speaker 3: I cannot stress enough how important it is to not 519 00:26:13,240 --> 00:26:15,880 Speaker 3: have a massive income. That's not the thing that matters. 520 00:26:15,960 --> 00:26:19,960 Speaker 3: It's about having that security, the consistent income. Like, as 521 00:26:20,000 --> 00:26:22,360 Speaker 3: you said before, you're on sixty grand a year. That's 522 00:26:22,440 --> 00:26:25,800 Speaker 3: epic money for a nineteen year old, but like that's 523 00:26:25,920 --> 00:26:28,760 Speaker 3: more than enough to create happiness if you have the 524 00:26:28,840 --> 00:26:31,880 Speaker 3: right structure. But if you don't have the right structure, 525 00:26:31,880 --> 00:26:34,320 Speaker 3: you're going to be so stressed. Like you easily could 526 00:26:34,359 --> 00:26:36,880 Speaker 3: be blowing all of that money and just online shopping 527 00:26:36,920 --> 00:26:39,120 Speaker 3: and not really budgeting and not planning and not knowing 528 00:26:39,119 --> 00:26:41,600 Speaker 3: anything about cash flow, and you could be in a 529 00:26:41,680 --> 00:26:45,280 Speaker 3: really big pickle. Like people who earn more money than you, 530 00:26:45,440 --> 00:26:48,000 Speaker 3: people who earn triple the amount of money than you 531 00:26:48,520 --> 00:26:51,639 Speaker 3: often accrue even more debt. They end up on a 532 00:26:51,680 --> 00:26:54,440 Speaker 3: really slippery slope. And the thing that I find really 533 00:26:54,440 --> 00:26:57,800 Speaker 3: interesting about this is often people don't see that. They 534 00:26:57,920 --> 00:27:00,199 Speaker 3: just see the fact that earning more money and I 535 00:27:00,240 --> 00:27:02,520 Speaker 3: earn more money, I'll be more successful, or i'll start then, 536 00:27:02,640 --> 00:27:05,200 Speaker 3: or I'll do this. But it's actually the difference between 537 00:27:05,480 --> 00:27:08,080 Speaker 3: what you're earning and what you're spending that has the 538 00:27:08,160 --> 00:27:11,359 Speaker 3: power in it, and that's where we should be focusing it. 539 00:27:11,400 --> 00:27:14,640 Speaker 3: That's where we should be planning, not necessarily, Oh well 540 00:27:14,640 --> 00:27:16,760 Speaker 3: I need to earn more money, Yeah, great if that 541 00:27:16,880 --> 00:27:19,600 Speaker 3: makes that gap bigger. But if it's just to afford 542 00:27:19,640 --> 00:27:21,959 Speaker 3: more things or do more things, or you know, have 543 00:27:22,080 --> 00:27:24,320 Speaker 3: more stuff, like, that's not the point, my friends, Like, 544 00:27:24,400 --> 00:27:27,280 Speaker 3: that's not going to help you feel financially secure. So, 545 00:27:27,640 --> 00:27:30,800 Speaker 3: oh my gosh, Money direst I have adored hearing your 546 00:27:30,840 --> 00:27:34,560 Speaker 3: money story, and I'm so grateful that you're in our community, 547 00:27:34,600 --> 00:27:37,359 Speaker 3: and I'm also just so proud that you wanted to 548 00:27:37,400 --> 00:27:41,000 Speaker 3: share that story with our community. You have come so far, 549 00:27:41,200 --> 00:27:43,600 Speaker 3: and you've done so much, and you are so young, 550 00:27:43,760 --> 00:27:46,159 Speaker 3: and we know you've got so much to achieve, So, 551 00:27:46,680 --> 00:27:49,560 Speaker 3: oh my gosh, thank you. That was an absolute joy 552 00:27:49,600 --> 00:27:51,200 Speaker 3: to hear. Thank you so much. 553 00:27:52,359 --> 00:27:54,520 Speaker 4: That's all right. It was a pleasure being here. And 554 00:27:54,560 --> 00:27:57,679 Speaker 4: hopefully other people that can kind of relate to my 555 00:27:57,760 --> 00:27:59,879 Speaker 4: story can pick up on some bids. 556 00:28:00,080 --> 00:28:03,439 Speaker 3: They absolutely will, my friend. But as always, that is 557 00:28:03,480 --> 00:28:06,520 Speaker 3: all we have time for today. So just before we 558 00:28:06,600 --> 00:28:09,760 Speaker 3: head off, we'd like to acknowledge and pay respect to 559 00:28:09,800 --> 00:28:14,159 Speaker 3: Australia's Aboriginal and torrest Right islander peoples. They're the traditional 560 00:28:14,200 --> 00:28:17,760 Speaker 3: custodians of the lands, the waterways and the skies all 561 00:28:17,800 --> 00:28:21,159 Speaker 3: across Australia. We thank you for sharing and for caring 562 00:28:21,200 --> 00:28:23,440 Speaker 3: for the land on which we are able to learn. 563 00:28:23,800 --> 00:28:26,719 Speaker 3: We pay our respects to elders past and present, and 564 00:28:26,760 --> 00:28:28,960 Speaker 3: we share our friendship and our kindness. 565 00:28:29,320 --> 00:28:31,879 Speaker 2: And as always, guys, the advice shared on She's on 566 00:28:31,920 --> 00:28:34,320 Speaker 2: the Money is general in nature and does not consider 567 00:28:34,359 --> 00:28:38,160 Speaker 2: your individual circumstances. Shes on the Money exist purely for 568 00:28:38,280 --> 00:28:41,080 Speaker 2: educational purposes and should not be relied upon to make 569 00:28:41,120 --> 00:28:45,400 Speaker 2: any investment or financial decision. And we promise that Victoria 570 00:28:45,440 --> 00:28:49,320 Speaker 2: Divine is an authorized representative of Australia Pacific Funds Management 571 00:28:49,480 --> 00:28:52,840 Speaker 2: for Prietary Limited ABN three four one three two four six, 572 00:28:52,960 --> 00:28:56,280 Speaker 2: three two five seven, AFSL three three nine one five 573 00:28:56,440 --> 00:28:57,480 Speaker 2: one See next. 574 00:28:57,240 --> 00:29:01,120 Speaker 3: Week, guys, Bye. 575 00:29:01,680 --> 00:29:04,080 Speaker 4: Did you back to pay