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Speaker 1: My name's Tasha Bamblet. I'm a proud First Nations woman

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Speaker 1: and I'm here to acknowledge country t Glenn Young Ganya, Niana,

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Speaker 1: Kaka yah y and beIN Ahaka Nian our gay In Mbini,

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Speaker 1: yakarum jar dominyamiga Umagahawaka Woman damon imlan Bumba ban Gadabomba

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Speaker 1: in and now in wakah ghan On yak rum jar

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Speaker 1: water Nadaa. Hello, beautiful friends, we gather on the lands

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Speaker 1: of the Aboriginal people. We thank acknowledge and respect the

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Speaker 1: Aberiginal people's land that we're gathering on today. Take pleasure

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Speaker 1: in all the land and respect all that you see.

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Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections,

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Speaker 1: bringing you the tools, knowledge and resources for you to thrive.

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Speaker 2: She's on the Money. She's on the Money. Hello and welcome.

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Speaker 2: She's on the Money, the podcast that makes finance fun

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Speaker 2: or personal finance fun.

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Speaker 3: Well.

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Speaker 2: I don't know what I meant to say, but that

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Speaker 2: we do it, especially on Fridays. Right It's our favorite

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Speaker 2: day of the week because I get to get my

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Speaker 2: team together and then what we do is we celebrate

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Speaker 2: you ow incredible. She's on the money community, Miss just Grici,

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Speaker 2: she's back and she's going to be sharing our favorite

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Speaker 2: money wins. Miss beck Sayeed is going to be sharing

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Speaker 2: her broke tips, and we're going to be helping to

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Speaker 2: answer a juicy money dilemma, which this week is all

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Speaker 2: about whether you should wait to lodge your tax return

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Speaker 2: until after the official twenty percent off Hex announcement, which

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Speaker 2: I've had a lot of dms about, and something that

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Speaker 2: you slid into our DMS legitimately about was what should

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Speaker 2: you do if you found out that your colleague is

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Speaker 2: earning twenty five percent more than you because you saw

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Speaker 2: their pay slip and you weren't meant to you do

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Speaker 2: the same. Damn job.

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Speaker 4: Oh I hate it.

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Speaker 2: But before we get there, how are your weeks? It's

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Speaker 2: been lovely? When did I do?

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Speaker 4: Oh? I saw Beetlejuice. I know we spoke about that

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Speaker 4: a few weeks ago. It was wonderful. Highly recommend it

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Speaker 4: to anyone. I do. I like it. I actually think

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Speaker 4: you would because it's it's very comedy infused, like it's

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Speaker 4: not a traditional musical, and there's like lots going on,

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Speaker 4: like there's just all this stuff like I don't want

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Speaker 4: to spoil it, but like, lots of things happen, but

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Speaker 4: it's like fun, it's very fun. Oh my god. The

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Speaker 4: two leads were unbelievably talented. I would highly recommend it.

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Speaker 4: They were doing ninety nine dollar tickets, so okay, okay,

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Speaker 4: money win, money win.

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Speaker 1: For you guys.

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Speaker 4: There.

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Speaker 2: It's a musical.

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Speaker 4: It is a musical, Okay, okay. I haven't seen the movie,

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Speaker 4: so you know, I don't think you have to have

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Speaker 4: seen the movie to appreciate it.

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Speaker 5: Oh that's good to know.

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Speaker 2: I also haven't seen the movie.

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Speaker 4: Maybe we can watch it together.

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Speaker 2: I'm more than welcome or like, I welcome the idea

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Speaker 2: of watching it together. But I'm so boring that, Like

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Speaker 2: I'm not a movie girl. I'm a reality TV girl.

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Speaker 2: And even then I have to scroll on my phone. Yeah,

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Speaker 2: like I just I wish I was called like just

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Speaker 2: a got preatchy.

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Speaker 5: Culture.

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Speaker 2: How was Yeah, I'm not culture. How was your week back? Yeah?

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Speaker 2: It was nice, it was chill.

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Speaker 3: It's I've been like live love laughing, yeah, live love

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Speaker 3: laughing and on and off sick for like a million years,

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Speaker 3: gone through it be gone. You know, sometimes you just

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Speaker 3: just be like that, which is totally fine because I

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Speaker 3: feel like I feel like my house is also kind

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Speaker 3: of sick, so I feel like that's yeah, just like

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Speaker 3: you just reinfect each other. Yeah, exactly exactly, So we're

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Speaker 3: in this like cycle right now. But it's also just

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Speaker 3: been really cozy.

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Speaker 2: And nice and and yeah, just just loving life. What

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Speaker 2: about VD No, honestly also loving life. I didn't grow

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Speaker 2: to beetle Juice. A lot of the team did, though.

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Speaker 2: I feel like you rallied the troops and you were

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Speaker 2: like team outing, and I was like, how fun back.

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Speaker 3: Do you know?

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Speaker 2: I was a little bit jealous though, because like everyone

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Speaker 2: on the team has come back and they're like, oh,

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Speaker 2: it was really good, and I'm like, was it it

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Speaker 2: mus be nice? Anyway?

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Speaker 3: It was.

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Speaker 2: Yeah, it was a busy week, a good week. I

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Speaker 2: feel like since thirty June, as you guys know, also

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Speaker 2: run a finance company, I've been able to have a

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Speaker 2: little bit more of a breather, which has been nice

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Speaker 2: to like take a step back, take a breath. I

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Speaker 2: have been sharing on my own social media actually at

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Speaker 2: the moment that I'm selling my house, and so that's

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Speaker 2: just keeping us quite chaotic, like because we're trying to

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Speaker 2: pack up the house to move. But then we're also

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Speaker 2: in the process of working out, well which furniture stays

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Speaker 2: in the house for it to like be styled up

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Speaker 2: and look really nice to sell. Which furniture do we

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Speaker 2: need to get rid of? So there's like a process

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Speaker 2: of like what do we move out of the house,

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Speaker 2: what don't we where do we put it? What does

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Speaker 2: that look like?

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Speaker 4: Seal it? What do we do with it?

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Speaker 1: Yeah?

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Speaker 4: Do we sell it?

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Speaker 2: Do we keep it?

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Speaker 3: You know?

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Speaker 2: What would a new house needs? You know what I mean?

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Speaker 2: Just like all of these things. And then also I

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Speaker 2: have a baby, and then we've got like three pets,

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Speaker 2: which is driving the reason. So for those of you

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Speaker 2: playing along at home, I'm selling our house because we

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Speaker 2: want to upgrade our house at some point soon and

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Speaker 2: we this is again very privileged to have this option.

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Speaker 2: I own a second house on the Mornington Peninsula, and

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Speaker 2: my husband and I are moving there while we sell

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Speaker 2: our primary residence because I just cannot fathom the idea

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Speaker 2: of working full time, having a one and a half

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Speaker 2: year old, three pets, and doing open for home inspections,

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Speaker 2: because like I best, I promise you if you think

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Speaker 2: my home is beautiful, all the time, you are wrong.

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Speaker 2: There is duplo from I don't even know where all

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Speaker 2: this duplow came from. It is everywhere, it does, and

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Speaker 2: like duplo, it's like the bigger.

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Speaker 5: Version of Lego, Like.

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Speaker 2: Yep, I've got a train track running under my couch

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Speaker 2: at the moment. Like there's just everything everywhere. And this

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Speaker 2: morning when I got in the shower, my husband had

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Speaker 2: been up for a few hours before me, there was

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Speaker 2: half a banana just sitting on the floor in the

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Speaker 2: shower waiting for where did that come from? And it

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Speaker 2: turns out that my husband had given our baby a banana,

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Speaker 2: and my husband thought that the baby ate at all

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Speaker 2: at that and Harvey was like, oh, I was just

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Speaker 2: storing it in the shower. So later anyway, So like

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Speaker 2: life is chaos. It is good, but it is Yeah,

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Speaker 2: it's really stressful selling your house. So anyway, the plug

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Speaker 2: there was I'm sharing the whole process of selling my house.

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Speaker 2: As you guys know, I work in the property space already,

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Speaker 2: and I just feel like there's not enough transparency of like, well,

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Speaker 2: what does it cost to sell your house? How do

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Speaker 2: you prepare for that? Like, also, how are we buying

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Speaker 2: a new house? What will that look like? And like, yeah,

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Speaker 2: I think the transparency hopefully will be welcomed fantastic. Anyway,

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Speaker 2: I would like to read you guys a five star

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Speaker 2: review before we do like money wins and broke Tips.

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Speaker 2: Would that be okay?

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Speaker 3: Yes?

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Speaker 5: Please?

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Speaker 4: I would love that. Okay.

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Speaker 2: So this one's from Amy Lee Lauren cute name. I

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Speaker 2: don't know if her name's amy Lee Lauren or Lauren

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Speaker 2: is her surname. I've spent a long time thinking about

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Speaker 2: this because like, girl, are you related to Ralph Lauren?

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Speaker 2: Is that what it is?

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Speaker 4: Lovely?

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Speaker 2: Anyway? She says Deep Dives are the best we know,

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Speaker 2: don't we? She says, my favorite episodes are the Deep Dives.

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Speaker 2: The three girls always keep me super engaged and I

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Speaker 2: love to learn new things. Oh, I just thought that

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Speaker 2: was a really short but sweet one.

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Speaker 4: So thank you Amy. Let those reviews to keep them coming, Queens, please.

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Speaker 2: Do, because honestly, this is like a shameless plug. If

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Speaker 2: you love She's on the money. One of the best

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Speaker 2: ways you can support us is obviously sharing it with

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Speaker 2: your friends, but leaving a review or even hitting subscribe,

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Speaker 2: because the algorithm sees that people are subscribing and liking

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Speaker 2: this content, so they push it to more people that

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Speaker 2: they think might look like you, like, you know, data wise,

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Speaker 2: so that maybe we could get some more friends.

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Speaker 4: And it's free, doesn't customate literally.

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Speaker 2: Free money win, all right, Jessica, Money wins, Money wins

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Speaker 2: had confessions, all right.

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Speaker 4: First, only think I've got money when from Rosa, who

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Speaker 4: said she used Flybys dollars to pay for her petrol,

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Speaker 4: so I tank feel up was free. Very clever. We

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Speaker 4: love that. Next, I've got a money loss, but toptually

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Speaker 4: a money win from Danny. Danny said money loss. I

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Speaker 4: lost my earrings down the drain. That's so stressful, very

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Speaker 4: stress Okay, jumped in there and said, have you opened

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Speaker 4: up the spend because there's a very good chance that

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Speaker 4: they're sitting in there, and it's relatively easy to do.

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Speaker 4: Spend is a little bit unners, which god true because

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Speaker 4: it's shaped like an asset like. Because it's flat, things

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Speaker 4: can often get caught there. So hopefully Daddy opens it

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Speaker 4: up and finds them sitting there waiting for her.

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Speaker 3: Daddy Danny, I suspected, saying Danny either, okay, I just

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Speaker 3: want to make sure someone's into something.

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Speaker 5: I was getting very excited.

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Speaker 4: Next, I've got a money in from Erin who said

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Speaker 4: she got her birthday voucher from the body shop and

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Speaker 4: the product she wanted were on sale, so she didn't

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Speaker 4: have to pay anything. It was all free. We love that.

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Speaker 4: And then I've also got a money in from Fiona

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Speaker 4: who said she ordered some sheets. They didn't end up

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Speaker 4: having the color that she wanted in stock, so instead

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Speaker 4: she was able to order a different color, but they

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Speaker 4: honored the cheaper price. Okay, thank you, save your sell

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Speaker 4: one hundred and two dollars. Thank you for coming money, genuinely,

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Speaker 4: very much so. And then lastly this week, I've got

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Speaker 4: a money win from Amy who said she's heading overseas

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Speaker 4: later in the year and she's been keeping an eye

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Speaker 4: on a tour that she really wants to do, hoping

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Speaker 4: that it would go on sale, and it did. She

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Speaker 4: checked up eight hundred.

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Speaker 2: Dollars I didn't even know went on sale. That's kind

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Speaker 2: of what I thought.

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Speaker 4: I thought, Oh, that's a good little thing to know,

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Speaker 4: is you know, if you're doing like a kentiki or

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Speaker 4: a top deck or any other things, keep an eye

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Speaker 4: out for some price changes.

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Speaker 3: We do.

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Speaker 2: Indeed, great beck Ci ed, what have you got when

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Speaker 2: it comes to broke tips for us this week, So this.

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Speaker 3: Week I've got first one comes from Courtney, who says,

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Speaker 3: my drive Hero is an app that tracks you're driving

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Speaker 3: and you earn money for speed and distraction.

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Speaker 2: I'm assuming not for.

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Speaker 4: Not speeding and not driving distractions.

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Speaker 3: Yes, because in my head I'm like, I could have

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Speaker 3: been making so much money.

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Speaker 5: Stricture always feeding. I'm just kidding, don't. Definitely don't do that.

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Speaker 2: So basically you're.

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Speaker 3: Getting paid to drive safely and can just cash it

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Speaker 3: out into your account. The free version does have ads,

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Speaker 3: but you can pay to remove them if you think

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Speaker 3: it's worthwhile.

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Speaker 2: That's so such a good idea. That's actually really good money.

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Speaker 4: Make money doing something you should be doing anyway, Yes, exactly.

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Speaker 3: The next one comes from Kate, who says, rather than

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Speaker 3: chucking out the crusts at the end of a loaf

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Speaker 3: of bread, I freeze them in a bag together and

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Speaker 3: then use them for meals. I don't mind eating the crust.

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Speaker 3: With example, to dip soup, you can make.

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Speaker 2: Creutons very out of mind and also grass lading my

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Speaker 2: child into thinking that that's the best bit special bread.

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Speaker 2: Only two bits you gonna have this or do you

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Speaker 2: think do you think Dad will get this? Do you

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Speaker 2: want it?

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Speaker 4: I love it?

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Speaker 2: That's so good, just like keeps the old Regon. I'm like,

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Speaker 2: crusts really.

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Speaker 5: Aren't that different you and I are they?

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Speaker 4: I completely disagree, But do you know what do you know?

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Speaker 2: It's only the crust on like a wonder white that

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Speaker 2: I'm like, nah, I could pass. But the crust of

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Speaker 2: like a sour dough loaf that is valuable Wheelers, That

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Speaker 2: is good. That is the best bit. No, when you like, oh,

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Speaker 2: get a fresh loaf of bread, and then you like

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Speaker 2: get the crust, and then you add equal amounts of butter. Yeah, yeah,

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Speaker 2: a little sprinkle of salt.

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Speaker 4: I got a little shiver just that.

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Speaker 6: Anyway.

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Speaker 3: Sorry, no, no, no, I mean but by that, I

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Speaker 3: mean like, I don't really think they make your hair

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Speaker 3: curly and all those kind of other myths. Got it

255
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Speaker 3: only get better.

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Speaker 2: I wouldn't even think of that. I was just thinking

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Speaker 2: of my stomach.

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Speaker 4: I was on a normal bit of bread, but a

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Speaker 4: crust on the end. You don't have French bage middle bit.

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Speaker 3: Yeah, well, I just I don't think they're more nutritiously

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Speaker 3: It's okay if you don't want them anyway, my broke tip.

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Speaker 2: Yes, this is probably silly one, but does it eat

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Speaker 2: the crusts? Because that would be silly to repeat it

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Speaker 2: broke tip.

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Speaker 3: Are you know what I'm gonna say, It's kind of similar, okay,

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Speaker 3: and you'll maybe figure out why. So I was in

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Speaker 3: Kmart and I was like, you know, getting a clicking

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Speaker 3: collect and then I was like waiting and just like

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Speaker 3: looking around and you know those big like metal what

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Speaker 3: are they called, like cabinets.

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Speaker 2: I guess I don't know where this is going, so

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Speaker 2: I have no idea what we wean.

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Speaker 5: Well, it's like it's kind of like a cage, but

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Speaker 5: it's like open, it's like quite tall.

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Speaker 2: It's like you know, there's like, oh yeah, shelves on it.

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Speaker 2: Yeah okay, yeah yeah.

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Speaker 3: And there's always just like random things that I'd never

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Speaker 3: bothered to look at before. They're also in Woolworths, just

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Speaker 3: a random sections with like things that are like poorly

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Speaker 3: glad wrapped together, like duct tape together, and big stickers

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Speaker 3: with specials like.

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Speaker 4: Britans and seconds, damage stock and stuff.

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Speaker 3: And I was like, oh my god, I forgot this exists,

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Speaker 3: and so I wanted to like just this is not

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Speaker 3: what I'm suggesting, but if you have your eye on something,

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Speaker 3: just see if it's there, or see if it ends

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Speaker 3: up there. Just always check that part of kmart to

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Speaker 3: see what kind of specials you can get.

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Speaker 5: There's so many cheap.

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Speaker 2: Things, like a camera for like fifty cents.

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Speaker 3: I was like, this is because I guess you can't

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Speaker 3: really sell it at full price if someone's returned it

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Speaker 3: and then the package looks really dodgy.

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Speaker 2: Just like, just have a look and see what you

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Speaker 2: can find.

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Speaker 5: I think it's great, and I'm not suggesting this, but

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Speaker 5: if you do return something and just.

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Speaker 4: Come back and see later if it's on the rack,

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Speaker 4: and come back.

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Speaker 5: For it if you really want to buy it.

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Speaker 2: This reminds me and completely rogue. When I was in

302
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Speaker 2: grade nine, I used to work at the Rosebud Target

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Speaker 2: doesn't exist anymore, and someone I don't know how they

304
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Speaker 2: managed to, but like would sometimes get returns. I think

305
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Speaker 2: the target policy went way back when I was in

306
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Speaker 2: grade nine, was like, if you had the receipt, they

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Speaker 2: would do a return. Like I don't think there was

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Speaker 2: a time limit on it, because one time I got

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Speaker 2: a ferby when I was in grade nine and I

310
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Speaker 2: desperately wanted a Ferby when I was younger, like grade five,

311
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Speaker 2: me would have been frothing yeah, but I didn't, so

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Speaker 2: obviously I had to buy this one that got returned,

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Speaker 2: bought it for five cents.

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Speaker 4: Oh my god.

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Speaker 2: That's so that's a money win. And that was definitely

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Speaker 2: not a waste of money at all. I definitely got

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Speaker 2: a lot of value out of that Ferby.

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Speaker 3: Yeah, yeah, yeah, anyway, and maybe bought it full priced,

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Speaker 3: returned it and then got it for five cents.

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Speaker 2: Who could say, yeah, do you know what? I didn't,

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Speaker 2: but I should have. You should have. I should have

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Speaker 2: because that would have been gaming the system. Anyway, Let's

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Speaker 2: go to a really quick break because I want to

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Speaker 2: get into the juicy stuff we have been getting. I

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Speaker 2: would say, hounded by you guys asking us, and this

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Speaker 2: is a very valid question, should be be waiting to

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Speaker 2: lodge our tax returns? Because that twenty percent off? Like

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00:14:27,320 --> 00:14:30,520
Speaker 2: you know how they're taking twenty percent off? Hex announcement

329
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Speaker 2: hasn't officially like rolled over. I've got an answer, don't worry.

330
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Speaker 2: You have to stick around for it though. And also

331
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Speaker 2: there's something juicy that you slid into our DMS about guys,

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Speaker 2: what do you do when you find out that your

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00:14:42,480 --> 00:14:44,480
Speaker 2: colleague going is twenty five percent more than you for

334
00:14:44,560 --> 00:14:47,840
Speaker 2: the same damn job. But you found out because you

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Speaker 2: saw a pay slip and you shouldn't have seen their

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00:14:49,480 --> 00:14:51,240
Speaker 2: play slip. So they don't know that you know, and

337
00:14:51,360 --> 00:14:53,120
Speaker 2: your boss doesn't know that you know. But you have

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00:14:53,280 --> 00:14:57,160
Speaker 2: this information, and what do you do anyway? Don't go anywhere?

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Speaker 4: Well, welcome back everybody. Let's take a listen to this

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Speaker 4: week's money dilemma.

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Speaker 6: Hi.

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Speaker 2: There, have you got a money dilemma you just can't solve?

343
00:15:10,000 --> 00:15:12,120
Speaker 2: The Sheese on the Money team is here to help.

344
00:15:12,560 --> 00:15:15,520
Speaker 2: Every week, we tackle your dilemmas, both big and small,

345
00:15:15,600 --> 00:15:18,640
Speaker 2: to answer your most burning money, career and life questions.

346
00:15:18,920 --> 00:15:21,400
Speaker 2: To get involved, simply head to our website and leave

347
00:15:21,480 --> 00:15:23,560
Speaker 2: us a short voice recording and you might just find

348
00:15:23,600 --> 00:15:26,200
Speaker 2: yourself on the show. Now, let's take a listen to

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Speaker 2: this week's money dilemma.

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Speaker 7: Hi, guys, I've got a question for tax time. With

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Speaker 7: the upcoming legislation of the government coming in to reduce

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Speaker 7: our hextap by twenty percent, should we wait until that

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Speaker 7: hits before lodging our tax return. Let me know your thoughts.

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Speaker 2: Thanks, It's a very good question.

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Speaker 4: Because I feel like a lot of people forget that

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Speaker 4: you can't submit your tax return on July first, as

357
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Speaker 4: much as I would love to, because we don't have

358
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Speaker 4: our stuff together, Like, yeah, you need all your documents

359
00:15:58,560 --> 00:15:59,800
Speaker 4: and stuff, but I actually have no idea.

360
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Speaker 2: And even if you're like the most organized person ever,

361
00:16:02,400 --> 00:16:05,040
Speaker 2: because Jessica Ricci, if she could, she would, but like,

362
00:16:05,520 --> 00:16:08,720
Speaker 2: I don't, as your employer, Jess even have my end

363
00:16:08,760 --> 00:16:11,480
Speaker 2: of year financials until thirty June happens, and then I

364
00:16:11,600 --> 00:16:14,000
Speaker 2: have to wait until my accountant does all of the

365
00:16:14,040 --> 00:16:16,160
Speaker 2: stuff that he needs to do to go Okay, cool,

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Speaker 2: We're going to like review Jess's pay and make sure

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00:16:18,960 --> 00:16:20,480
Speaker 2: that she was paid what she was meant to pay,

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Speaker 2: and then we can give her her like yeah tax statement,

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00:16:23,640 --> 00:16:26,640
Speaker 2: and that takes like two weeks. Of course, they'd have

370
00:16:26,680 --> 00:16:30,240
Speaker 2: to really annoying. I get it. I found him as well.

371
00:16:30,440 --> 00:16:33,240
Speaker 2: I'm very annoying. But you just can't do it immediately.

372
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Speaker 2: Is it rude if I just dive in and answer this,

373
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Speaker 2: because I feel like if I ask you, beg you'll

374
00:16:37,520 --> 00:16:39,760
Speaker 2: be like, I don't have a hex that I'm paying off,

375
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Speaker 2: And I do, but I don't have a degree.

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Speaker 5: So but I didn't know that was a twenty percent

377
00:16:44,920 --> 00:16:45,280
Speaker 5: no idea.

378
00:16:45,720 --> 00:16:48,200
Speaker 2: I really good rised you're getting twenty percent off your

379
00:16:48,240 --> 00:16:51,840
Speaker 2: hex I see anxiety, And yes, you don't have any

380
00:16:51,840 --> 00:16:54,000
Speaker 2: hextst don't because you're smarter than a lot of people.

381
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Speaker 4: I just wasn't built for school. But I'm excited to

382
00:16:56,680 --> 00:16:59,120
Speaker 4: learn about what this means. I can tell my boyfriend

383
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Speaker 4: when I go home, because he have a lot of hextet.

384
00:17:01,200 --> 00:17:03,080
Speaker 2: I also have a lot of hex stets. So you

385
00:17:03,240 --> 00:17:07,479
Speaker 2: best believe that this was in my interest and because

386
00:17:07,560 --> 00:17:10,520
Speaker 2: I love you. I also called the ato. Oh oh,

387
00:17:10,720 --> 00:17:13,040
Speaker 2: and you called the ato. You have to spend a

388
00:17:13,080 --> 00:17:19,760
Speaker 2: lot of time on whole time, so you'll better be grateful. Anyway,

389
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Speaker 2: I'm going to give you a little bit of background

390
00:17:21,600 --> 00:17:24,320
Speaker 2: on the twenty percent off legislation because beck you didn't

391
00:17:24,359 --> 00:17:25,760
Speaker 2: know about it, and I feel like some people in

392
00:17:25,840 --> 00:17:27,680
Speaker 2: our community would have been like, Oh, I've seen it,

393
00:17:27,720 --> 00:17:28,920
Speaker 2: but I don't know what it means. Do I have

394
00:17:29,000 --> 00:17:31,440
Speaker 2: to apply for it? No, you don't. It's automatic. So

395
00:17:32,359 --> 00:17:35,080
Speaker 2: we obviously went through an election recently, which is important.

396
00:17:35,080 --> 00:17:37,800
Speaker 2: I'll come to that in hot second. But Labor have

397
00:17:38,000 --> 00:17:42,520
Speaker 2: said that they will give us twenty percent off our hex.

398
00:17:42,640 --> 00:17:44,399
Speaker 2: A lot of people voted for them because that's a

399
00:17:44,440 --> 00:17:46,200
Speaker 2: really good deal and they were like, great, no worries.

400
00:17:46,480 --> 00:17:50,000
Speaker 2: They have also come out and said that that's actually

401
00:17:50,080 --> 00:17:53,119
Speaker 2: one of the first pieces of legislation they want to introduce.

402
00:17:53,760 --> 00:17:56,879
Speaker 2: Now they haven't done that yet, not because they're lazy,

403
00:17:57,119 --> 00:17:59,560
Speaker 2: but because they've been busy getting all of their ducks

404
00:17:59,600 --> 00:18:03,080
Speaker 2: in a row. They've been changing literally everybody who's been

405
00:18:03,160 --> 00:18:06,359
Speaker 2: in Parliament for this new government, and they actually haven't

406
00:18:06,400 --> 00:18:09,360
Speaker 2: even met yet. So their first meeting is on July

407
00:18:09,480 --> 00:18:12,080
Speaker 2: the twenty second, which is actually next week, and at

408
00:18:12,160 --> 00:18:14,840
Speaker 2: that point they have said this is actually a top

409
00:18:14,920 --> 00:18:17,879
Speaker 2: priority for us because we promised it and now we

410
00:18:18,000 --> 00:18:21,280
Speaker 2: need to deliver, which honestly, that doesn't always happen with

411
00:18:21,400 --> 00:18:23,920
Speaker 2: government now. I feel like sometimes they promise stuff and

412
00:18:23,960 --> 00:18:27,440
Speaker 2: then they're like, oh, yeah, so we said that, but

413
00:18:27,600 --> 00:18:30,399
Speaker 2: what we meant was so anyway, I'm excited about this

414
00:18:31,200 --> 00:18:34,240
Speaker 2: and this will be the first time that government sits

415
00:18:34,560 --> 00:18:38,600
Speaker 2: or Parliament sits since their election. And they have said

416
00:18:38,920 --> 00:18:45,480
Speaker 2: that they're going to apply twenty percent retrospectively to any

417
00:18:45,720 --> 00:18:49,520
Speaker 2: balance remaining in your account on the first of June,

418
00:18:49,800 --> 00:18:51,760
Speaker 2: so if you paid it off earlier this year. Sorry,

419
00:18:51,800 --> 00:18:53,680
Speaker 2: it's not going to apply to you. You have to

420
00:18:53,800 --> 00:18:57,240
Speaker 2: have been in the like, you have to have money

421
00:18:57,280 --> 00:18:59,119
Speaker 2: in your account. Essentially, you have to owe the money

422
00:18:59,520 --> 00:19:04,280
Speaker 2: on the first of June, and that is before indexation

423
00:19:04,520 --> 00:19:08,080
Speaker 2: was applied. Yeah, that's important because a lot of questions

424
00:19:08,119 --> 00:19:10,520
Speaker 2: that we got was, oh my god, are they dragging

425
00:19:10,640 --> 00:19:13,360
Speaker 2: this out and not giving me the twenty percent off

426
00:19:13,440 --> 00:19:15,680
Speaker 2: and then it's going to index and then I'll owe

427
00:19:15,760 --> 00:19:17,720
Speaker 2: more money, And yes, I'll get my twenty percent off,

428
00:19:17,800 --> 00:19:19,920
Speaker 2: but I'll get twenty percent off more money, which will

429
00:19:20,000 --> 00:19:23,320
Speaker 2: actually not be as good as if you had applied

430
00:19:23,359 --> 00:19:26,480
Speaker 2: it before indexation happened. So they are applying it before

431
00:19:26,560 --> 00:19:30,320
Speaker 2: indexation applied. I think that's pretty sexy, to be honest.

432
00:19:30,560 --> 00:19:33,080
Speaker 2: They didn't have to do that from my perspective. They

433
00:19:33,080 --> 00:19:36,399
Speaker 2: could have still given us our twenty percent off back. Sure, Like, Sorry,

434
00:19:36,440 --> 00:19:38,359
Speaker 2: it happened after that date and we would have had

435
00:19:38,400 --> 00:19:40,639
Speaker 2: to just swallow it. Yeah, right, shout out to the government.

436
00:19:40,720 --> 00:19:44,160
Speaker 2: Shout out that. Honestly, I see what you're doing. I've

437
00:19:44,200 --> 00:19:46,159
Speaker 2: got a lot of thoughts on other areas, but right

438
00:19:46,200 --> 00:19:50,480
Speaker 2: now you're doing very well here. Anything paid off before June. Sorry,

439
00:19:50,600 --> 00:19:52,920
Speaker 2: if you already did it, no discount, you're not getting

440
00:19:52,960 --> 00:19:55,119
Speaker 2: money back. That's just not going to happen. It's not

441
00:19:55,240 --> 00:19:57,960
Speaker 2: the way it works, I see. And let's be honest,

442
00:19:58,040 --> 00:20:01,480
Speaker 2: this legislation could take a few months to pass because

443
00:20:01,480 --> 00:20:03,720
Speaker 2: when the government proposes something, they're not going to sit

444
00:20:03,840 --> 00:20:06,240
Speaker 2: on the twenty second and be like tick box, no worries.

445
00:20:06,280 --> 00:20:07,679
Speaker 2: Do you want to just give them their money? Now,

446
00:20:08,040 --> 00:20:10,960
Speaker 2: there's a lot of background stuff that has to happen

447
00:20:11,040 --> 00:20:14,800
Speaker 2: to make that happen, and as with any legislation, there's,

448
00:20:14,840 --> 00:20:18,000
Speaker 2: honestly there's a possibility that lots of people in Parliament

449
00:20:18,000 --> 00:20:21,480
Speaker 2: could be like that's bullshit, we don't want that to happen. Yeah,

450
00:20:21,600 --> 00:20:24,000
Speaker 2: and then it doesn't pass at all and you don't

451
00:20:24,000 --> 00:20:27,840
Speaker 2: get your twenty percent. So we think that's very very

452
00:20:27,920 --> 00:20:31,159
Speaker 2: unlikely to happen. But as I said before, it is

453
00:20:31,240 --> 00:20:33,480
Speaker 2: a risk. Yeah. I called up the ATO for you

454
00:20:33,680 --> 00:20:37,720
Speaker 2: and also for me, and they said paying your hex

455
00:20:37,840 --> 00:20:41,560
Speaker 2: is actually about the threshold, not the balance. So the

456
00:20:41,800 --> 00:20:44,720
Speaker 2: threshold for the twenty twenty four to twenty twenty five

457
00:20:44,840 --> 00:20:47,600
Speaker 2: financial year, which is the line that's just passed, is

458
00:20:47,640 --> 00:20:53,360
Speaker 2: fifty four hundred and thirty five dollars, but for your balance,

459
00:20:53,480 --> 00:20:56,200
Speaker 2: even if you are paying it throughout the year, you've

460
00:20:56,280 --> 00:20:58,440
Speaker 2: ticked the box that you have a heck stet. So

461
00:20:58,560 --> 00:21:00,960
Speaker 2: like when you join a business like Becky would have

462
00:21:01,000 --> 00:21:02,520
Speaker 2: ticked the box to say, yeah, I have HEX, and

463
00:21:02,560 --> 00:21:05,680
Speaker 2: then your employee starts paying it off. It's already coming

464
00:21:05,720 --> 00:21:08,000
Speaker 2: out of your pay so that money is held, and

465
00:21:08,040 --> 00:21:10,280
Speaker 2: then the balance is actually calculated at the end of

466
00:21:10,359 --> 00:21:13,639
Speaker 2: financial year, which I don't think a lot of people know.

467
00:21:13,840 --> 00:21:17,160
Speaker 2: I sorry, they're collecting it, they don't actually pay it off,

468
00:21:17,160 --> 00:21:18,679
Speaker 2: and then at the end of the financial year they

469
00:21:18,720 --> 00:21:19,440
Speaker 2: do it in one lump.

470
00:21:19,480 --> 00:21:22,240
Speaker 4: Some that's so interesting. Let's me and I suppose.

471
00:21:22,880 --> 00:21:25,399
Speaker 2: Kind of I find it annoying because like I'm the

472
00:21:25,440 --> 00:21:27,840
Speaker 2: type of person and I'm like, ha, girl, you're just

473
00:21:27,920 --> 00:21:30,200
Speaker 2: holding my money. You want to check it? Yeah, well

474
00:21:30,200 --> 00:21:31,560
Speaker 2: I want to check it, but I also want it

475
00:21:31,680 --> 00:21:34,679
Speaker 2: paid off. I don't want things lauding over like if

476
00:21:34,760 --> 00:21:38,680
Speaker 2: I've gone and said anyway, I just other thoughts like sorry, sorry,

477
00:21:38,880 --> 00:21:40,520
Speaker 2: back on track. No, this is me getting off track.

478
00:21:40,680 --> 00:21:43,520
Speaker 2: I've just got thoughts and feelings. So the twenty percent

479
00:21:43,600 --> 00:21:46,320
Speaker 2: off would only be a factor in your tax return

480
00:21:47,000 --> 00:21:51,760
Speaker 2: if you're close to paying off your HEX and overpaid,

481
00:21:52,440 --> 00:21:54,680
Speaker 2: so like you were still paying it off and like

482
00:21:54,880 --> 00:21:57,399
Speaker 2: some people still do this, like they tick the box

483
00:21:57,480 --> 00:21:59,600
Speaker 2: to say they have HEX even when they don't have HEX.

484
00:21:59,800 --> 00:22:01,680
Speaker 2: And then the government goes and collects all of the

485
00:22:01,760 --> 00:22:03,320
Speaker 2: HEX and then you do your tax return and you

486
00:22:03,440 --> 00:22:05,280
Speaker 2: actually get all of that money back because there was

487
00:22:05,320 --> 00:22:08,360
Speaker 2: no HEX to pay off. And if you paid off

488
00:22:08,400 --> 00:22:11,280
Speaker 2: your HEX, let's pretend like you didn't really notice and

489
00:22:11,400 --> 00:22:13,280
Speaker 2: your HEX was quote paid off in January and you

490
00:22:13,320 --> 00:22:17,440
Speaker 2: were still contributing funds tax time, the government's going to

491
00:22:17,480 --> 00:22:19,720
Speaker 2: be like, oh, she stopped like this, she didn't know

492
00:22:19,880 --> 00:22:22,520
Speaker 2: usay anything after January. So they give you the money

493
00:22:22,600 --> 00:22:25,680
Speaker 2: that you paid to them back. Yeah, then obviously you

494
00:22:26,560 --> 00:22:28,960
Speaker 2: were owed. So in that case you'd get a return

495
00:22:29,200 --> 00:22:33,120
Speaker 2: money win. Otherwise, you are required to make the same

496
00:22:33,200 --> 00:22:36,159
Speaker 2: compulsory payments. You can't like withhold it from your employer

497
00:22:36,240 --> 00:22:37,960
Speaker 2: and say, hey, employer, can you not pay that like

498
00:22:38,080 --> 00:22:40,520
Speaker 2: I want it to be there. You are required to

499
00:22:40,520 --> 00:22:43,200
Speaker 2: make the same compulsory payment as dictated by the threshold

500
00:22:43,280 --> 00:22:46,800
Speaker 2: in the twenty four to twenty twenty five financial year,

501
00:22:47,400 --> 00:22:53,080
Speaker 2: not your balance. Yeah, so TLDR actually doesn't matter. Ah,

502
00:22:53,480 --> 00:22:55,600
Speaker 2: the government's going to just calculate it based on what

503
00:22:55,800 --> 00:22:57,800
Speaker 2: was in your account on the first of June, and

504
00:22:57,840 --> 00:22:59,960
Speaker 2: then they get a paid back. If they paid you back,

505
00:23:00,119 --> 00:23:01,920
Speaker 2: but you'd already paid it off on like the fifth

506
00:23:02,000 --> 00:23:04,800
Speaker 2: of June, you're going to getting a sweet refund if

507
00:23:04,840 --> 00:23:07,000
Speaker 2: you hadn't. It's going to just be off the amount

508
00:23:07,000 --> 00:23:08,960
Speaker 2: that was sitting in your account on the first of June.

509
00:23:09,000 --> 00:23:10,560
Speaker 2: So you don't need to do anything. You're going to

510
00:23:10,600 --> 00:23:15,120
Speaker 2: still be benefited. But if you are confused, or if

511
00:23:15,200 --> 00:23:17,640
Speaker 2: you are like, oh, the you mentioned the car spor

512
00:23:17,760 --> 00:23:21,000
Speaker 2: if like there's some wiggle room, talk to your accountant

513
00:23:21,040 --> 00:23:23,280
Speaker 2: and maybe they can go, oh, well, actually you are

514
00:23:23,480 --> 00:23:25,800
Speaker 2: one of the lucky ones that can X y Z yeah.

515
00:23:25,960 --> 00:23:28,280
Speaker 2: But for normal people like Beck and I, it doesn't

516
00:23:28,320 --> 00:23:29,439
Speaker 2: make a damn different.

517
00:23:29,480 --> 00:23:30,959
Speaker 5: I see, if you're confused it you don't have an

518
00:23:30,960 --> 00:23:32,439
Speaker 5: accounting because I feel like I never had one.

519
00:23:32,480 --> 00:23:34,680
Speaker 2: But she's on the money community is right there.

520
00:23:35,000 --> 00:23:38,280
Speaker 5: That's true. But and also you can probably find information

521
00:23:38,359 --> 00:23:39,040
Speaker 5: on the ideo.

522
00:23:42,040 --> 00:23:44,879
Speaker 2: Call the Bloody ato it actually it's wild. But like

523
00:23:44,920 --> 00:23:46,719
Speaker 2: people think that's crazy, you can just call them up.

524
00:23:47,000 --> 00:23:47,560
Speaker 2: It's crazy.

525
00:23:47,760 --> 00:23:48,240
Speaker 5: It's crazy.

526
00:23:48,320 --> 00:23:50,040
Speaker 2: You just call them up and ask them tax questions.

527
00:23:51,160 --> 00:23:52,920
Speaker 2: What do you do on Sundays? On your board? This

528
00:23:53,080 --> 00:23:55,160
Speaker 2: not Sundays. It's actually nine to five Monday to Friday.

529
00:23:56,080 --> 00:23:58,040
Speaker 2: Actually I believe it's eight till five. You can call

530
00:23:58,080 --> 00:23:59,720
Speaker 2: them earlier, like the whole way I give. You're bored.

531
00:24:00,400 --> 00:24:03,120
Speaker 2: I really want to talk to the ade O. You can, yeah,

532
00:24:03,320 --> 00:24:05,040
Speaker 2: And I have done that a lot of times for

533
00:24:05,119 --> 00:24:08,280
Speaker 2: content because like the APO website can sometimes like I'm

534
00:24:08,280 --> 00:24:10,119
Speaker 2: not saying it's wrong, but like they might be a

535
00:24:10,160 --> 00:24:12,840
Speaker 2: little bit vague and like this is a very specific

536
00:24:13,040 --> 00:24:16,320
Speaker 2: question and when this will be calculated, and like there's

537
00:24:16,400 --> 00:24:19,119
Speaker 2: not a web page on how that's calculated, right, so

538
00:24:19,160 --> 00:24:21,080
Speaker 2: I have to call someone up there you go.

539
00:24:21,200 --> 00:24:23,080
Speaker 4: You don't threaten Victoria Divine with a good time.

540
00:24:25,760 --> 00:24:28,600
Speaker 2: Anyway. Anyway, I feel like that was really fun. But

541
00:24:28,720 --> 00:24:32,360
Speaker 2: what's more fun is gossip. And I feel like genuinely

542
00:24:32,480 --> 00:24:36,760
Speaker 2: sometimes in our dms, you'll send like a DM and

543
00:24:36,840 --> 00:24:38,480
Speaker 2: I'm like, that is juicy, and I can't wait to

544
00:24:38,520 --> 00:24:40,080
Speaker 2: tell all of my friends. And then I posted on

545
00:24:40,200 --> 00:24:42,920
Speaker 2: our Instagram story because you guys are all my friends,

546
00:24:42,960 --> 00:24:45,240
Speaker 2: and then you chime in with your opinions. It's just

547
00:24:45,359 --> 00:24:47,879
Speaker 2: so fun because to me The best type of gossip

548
00:24:47,960 --> 00:24:49,760
Speaker 2: is not about people we know. It's like, I want

549
00:24:49,800 --> 00:24:51,320
Speaker 2: to hear about what your hairdresser's son.

550
00:24:51,440 --> 00:24:52,720
Speaker 5: Did you know what I mean?

551
00:24:52,880 --> 00:24:55,320
Speaker 2: Like the secondhands, small town gossip.

552
00:24:55,960 --> 00:24:58,440
Speaker 4: Have you seen that? A deeply southern one? Oh? I

553
00:24:58,560 --> 00:24:59,240
Speaker 4: love her accent.

554
00:24:59,400 --> 00:25:02,240
Speaker 2: Yeah, I'm not only obsessed with that, but like obsessed

555
00:25:02,280 --> 00:25:05,320
Speaker 2: with her stories. Anyway. Would you like to hear the

556
00:25:05,440 --> 00:25:06,400
Speaker 2: DM we got this week?

557
00:25:06,680 --> 00:25:06,840
Speaker 4: Yes?

558
00:25:06,920 --> 00:25:08,119
Speaker 5: Please, yes, please?

559
00:25:08,240 --> 00:25:10,960
Speaker 2: This is going to piss you all off. Hey there,

560
00:25:11,280 --> 00:25:15,040
Speaker 2: I found one of my colleagues twenty twenty three pay

561
00:25:15,080 --> 00:25:18,320
Speaker 2: slips saved in our shared files. She obviously put it

562
00:25:18,400 --> 00:25:19,040
Speaker 2: there by accident.

563
00:25:19,880 --> 00:25:20,479
Speaker 3: I was shocked.

564
00:25:21,240 --> 00:25:24,000
Speaker 2: He was making twenty five percent more than me right

565
00:25:24,080 --> 00:25:27,280
Speaker 2: now but two years ago, so it was from twenty

566
00:25:27,320 --> 00:25:31,120
Speaker 2: twenty three. Oh since then, I know he's had another

567
00:25:31,160 --> 00:25:33,920
Speaker 2: pay rise because we've talked about it and we're in

568
00:25:34,000 --> 00:25:37,959
Speaker 2: the exact same role. But they're a male, they are

569
00:25:38,000 --> 00:25:41,040
Speaker 2: five years older than me. They do have an MBA.

570
00:25:41,600 --> 00:25:45,200
Speaker 2: I'm currently studying mine. I recently got a four and

571
00:25:45,240 --> 00:25:49,240
Speaker 2: a half percent rise, but it doesn't actually feel like

572
00:25:49,440 --> 00:25:53,400
Speaker 2: enough when I'm always taking on more responsibilities in the team.

573
00:25:54,280 --> 00:25:57,080
Speaker 2: I know experience matters, but how much of a gap

574
00:25:57,240 --> 00:25:59,919
Speaker 2: is actually fair? And how do I even bring this up?

575
00:26:00,240 --> 00:26:05,280
Speaker 2: Especially given how I found out, I'm feeling undervalued, unmotivated,

576
00:26:05,320 --> 00:26:08,040
Speaker 2: and honestly like I'm just being treated like cheap labor.

577
00:26:08,560 --> 00:26:10,560
Speaker 2: How would you guys approach this as well?

578
00:26:10,640 --> 00:26:13,520
Speaker 5: Pay secrecy is not a thing anymore, which I am

579
00:26:14,320 --> 00:26:16,159
Speaker 5: cheering about. It should never not.

580
00:26:16,640 --> 00:26:19,520
Speaker 2: But if it is in your contract right now, you

581
00:26:19,680 --> 00:26:22,200
Speaker 2: need to be very careful about what that looks like

582
00:26:22,320 --> 00:26:25,200
Speaker 2: because you have assigned contract with your employer, but it's

583
00:26:25,280 --> 00:26:29,040
Speaker 2: not allowed to be in future contracts and there's a

584
00:26:29,119 --> 00:26:32,040
Speaker 2: lot of round enforcement. But like, I don't want you

585
00:26:32,560 --> 00:26:34,600
Speaker 2: to be the first person to test that out and

586
00:26:34,640 --> 00:26:37,720
Speaker 2: have your employers see you. All right, So dumb the

587
00:26:37,760 --> 00:26:40,240
Speaker 2: whole pay secret, Yeah, I agree, dumb. It's such a

588
00:26:40,480 --> 00:26:43,000
Speaker 2: you will pay secrecy clause in if she's on the

589
00:26:43,040 --> 00:26:46,040
Speaker 2: money contract. It's just like, hey, we don't imagine you're like, hey,

590
00:26:46,119 --> 00:26:49,000
Speaker 2: V did you write this? Is so strange?

591
00:26:49,080 --> 00:26:50,959
Speaker 3: But I think like you don't have to say, well

592
00:26:50,960 --> 00:26:53,000
Speaker 3: you got that information. I feel like I would just

593
00:26:53,040 --> 00:26:54,760
Speaker 3: be like, I don't know, I've found out, but I

594
00:26:54,880 --> 00:26:56,399
Speaker 3: know that you get paid more I did. I know

595
00:26:56,440 --> 00:26:58,080
Speaker 3: it's really dumb, but I just would never tell anyone

596
00:26:58,160 --> 00:26:59,440
Speaker 3: how I found out. All would you just go to

597
00:26:59,480 --> 00:27:01,439
Speaker 3: your colleague? I feel like, yeah, good to my colleague.

598
00:27:01,440 --> 00:27:03,240
Speaker 2: I'm sorry you've got a shared drive with your colleague,

599
00:27:03,280 --> 00:27:03,520
Speaker 2: do you not.

600
00:27:04,240 --> 00:27:07,520
Speaker 3: It's very disheartening. It's so disheartening that this is still happening.

601
00:27:07,560 --> 00:27:10,240
Speaker 3: And it's like, what's more disheartening is that, like I

602
00:27:10,400 --> 00:27:11,800
Speaker 3: just fear people don't take.

603
00:27:11,680 --> 00:27:12,680
Speaker 5: It seriously enough.

604
00:27:12,840 --> 00:27:14,840
Speaker 3: And like if you were to go to your boss,

605
00:27:15,000 --> 00:27:17,840
Speaker 3: who may or may not be a male, and said,

606
00:27:18,240 --> 00:27:20,639
Speaker 3: do you know your concerns are that he's probably getting

607
00:27:20,680 --> 00:27:22,960
Speaker 3: paid more because, let's be honest, probably because he's a man,

608
00:27:23,119 --> 00:27:25,320
Speaker 3: It's like, no one's gonna take that seriously. Is so

609
00:27:25,720 --> 00:27:28,159
Speaker 3: it's so tiring, it's so exhausting, it's so disheartening, and

610
00:27:28,240 --> 00:27:30,440
Speaker 3: I'm just like almost as a part of me that's like, well,

611
00:27:30,520 --> 00:27:31,480
Speaker 3: it's always going to be this way.

612
00:27:31,560 --> 00:27:34,040
Speaker 5: It's so arbitrary. Men are not better than women. Women

613
00:27:34,040 --> 00:27:34,800
Speaker 5: are not better than men.

614
00:27:35,080 --> 00:27:39,520
Speaker 3: We're all intellectually exactly same, unless we like one studied more,

615
00:27:39,640 --> 00:27:42,280
Speaker 3: one more educated, Like, it's all about the person, it's

616
00:27:42,320 --> 00:27:43,040
Speaker 3: not about the gender.

617
00:27:43,080 --> 00:27:46,160
Speaker 5: It's just so why is it still a thing. I'm

618
00:27:46,359 --> 00:27:47,320
Speaker 5: so exhausted by it.

619
00:27:47,359 --> 00:27:50,159
Speaker 3: But anyway, I think that I've also really hated that

620
00:27:50,960 --> 00:27:54,119
Speaker 3: that whole, Like, you know, salaries based of experience, Like,

621
00:27:54,240 --> 00:27:55,200
Speaker 3: the role is the role.

622
00:27:55,280 --> 00:27:56,320
Speaker 5: You're still doing the same thing.

623
00:27:56,440 --> 00:27:59,520
Speaker 3: The role doesn't change based on Like maybe at the

624
00:27:59,560 --> 00:28:01,920
Speaker 3: start might be like, let's see how fast you get

625
00:28:02,520 --> 00:28:04,280
Speaker 3: kind of like into it, but once you're in it,

626
00:28:04,800 --> 00:28:07,440
Speaker 3: you're doing the same day to day. It's the same thing.

627
00:28:08,040 --> 00:28:10,000
Speaker 3: It doesn't matter how much experience you have, it doesn't

628
00:28:10,200 --> 00:28:12,920
Speaker 3: matter how much education you have. You're doing the same role.

629
00:28:13,359 --> 00:28:17,560
Speaker 3: Your past should not even be looked at. So maybe

630
00:28:17,640 --> 00:28:20,520
Speaker 3: it's because of experience, maybe it's because of the NBA,

631
00:28:20,640 --> 00:28:22,560
Speaker 3: but it doesn't make you more or less valuable if

632
00:28:22,600 --> 00:28:25,280
Speaker 3: you're doing the exact same role. And sounds like you're

633
00:28:25,359 --> 00:28:28,359
Speaker 3: taking on more responsibilities too, So I'm like, you should

634
00:28:28,359 --> 00:28:30,600
Speaker 3: be getting paid the same. Sorry, you should be getting

635
00:28:30,600 --> 00:28:33,119
Speaker 3: paid the same. Anyway, I don't know how to go

636
00:28:33,200 --> 00:28:33,480
Speaker 3: about it.

637
00:28:33,640 --> 00:28:34,800
Speaker 5: I think, talk to your assfit.

638
00:28:35,440 --> 00:28:36,280
Speaker 2: What are they going to do?

639
00:28:36,440 --> 00:28:38,480
Speaker 5: They probably might not take it seriously. I don't know.

640
00:28:38,760 --> 00:28:39,920
Speaker 5: It's so so silly.

641
00:28:40,280 --> 00:28:43,440
Speaker 2: Yes, you find out that the other partnership's manager in

642
00:28:43,480 --> 00:28:46,480
Speaker 2: our business that does not exist gets paid twenty five

643
00:28:46,560 --> 00:28:48,480
Speaker 2: percent more than you and they have been for the

644
00:28:48,560 --> 00:28:49,760
Speaker 2: last two years. What are you doing?

645
00:28:49,960 --> 00:28:53,040
Speaker 4: Oh, I would not be thrilled that much. I don't

646
00:28:53,040 --> 00:28:55,320
Speaker 4: think you even need to go to your colleague necessarily

647
00:28:55,360 --> 00:28:57,040
Speaker 4: because they do agree. It is a bit of an

648
00:28:57,080 --> 00:28:58,120
Speaker 4: awkward thing to bring up.

649
00:28:58,440 --> 00:29:00,680
Speaker 2: Oh I, Actually it's not their fault most that fall.

650
00:29:00,960 --> 00:29:03,600
Speaker 4: I accidentally saw your pay slip, And I will say

651
00:29:03,640 --> 00:29:05,560
Speaker 4: as much as yes, pay secrecy is in a thing,

652
00:29:05,680 --> 00:29:08,320
Speaker 4: like people still have a right to decide what information

653
00:29:08,440 --> 00:29:10,120
Speaker 4: they do and do not sh like I would hope,

654
00:29:10,280 --> 00:29:12,320
Speaker 4: like I would comfortably talk about my salary with anyone

655
00:29:12,360 --> 00:29:15,160
Speaker 4: on our team, but not everyone has that relationship with

656
00:29:15,240 --> 00:29:16,480
Speaker 4: their colleagues, and.

657
00:29:16,560 --> 00:29:18,960
Speaker 2: Like you're allowed to be private about that. So yes, Kase,

658
00:29:19,040 --> 00:29:23,960
Speaker 2: secrecy is now illegal to put into contracts. But like Jesse,

659
00:29:24,040 --> 00:29:25,240
Speaker 2: if I said how much do you earn it, you

660
00:29:25,280 --> 00:29:28,200
Speaker 2: didn't want to tell me? You don't owe me anything. Absolutely,

661
00:29:28,320 --> 00:29:30,000
Speaker 2: you have the right to talk about it if you

662
00:29:30,040 --> 00:29:31,880
Speaker 2: want to. No one's going to reprimand you for it.

663
00:29:31,960 --> 00:29:34,120
Speaker 2: But like, honestly, sometimes you don't want to tell your

664
00:29:34,160 --> 00:29:37,520
Speaker 2: colleague what your income is or how hard you've worked,

665
00:29:37,640 --> 00:29:40,800
Speaker 2: or it's just nobody's business. And like, I know that

666
00:29:41,080 --> 00:29:42,800
Speaker 2: you guys might be like, but they you talk about

667
00:29:42,920 --> 00:29:45,480
Speaker 2: talking about it all the time, and I do, and

668
00:29:45,600 --> 00:29:47,920
Speaker 2: I think that you should be sharing that if you're

669
00:29:47,920 --> 00:29:48,720
Speaker 2: comfortable to do so.

670
00:29:49,040 --> 00:29:51,640
Speaker 4: Yeah, I completely agree. So I think I would like

671
00:29:51,760 --> 00:29:54,680
Speaker 4: probably just bypass my colleague to be completely honest, and you're.

672
00:29:54,480 --> 00:29:56,280
Speaker 2: String to my boss right in the door.

673
00:29:56,440 --> 00:29:58,320
Speaker 4: Yeah, I'm not going to I'm kicking it down. I'm saying,

674
00:29:58,400 --> 00:30:00,800
Speaker 4: you me having a chat. And I agree with that,

675
00:30:01,000 --> 00:30:02,440
Speaker 4: Like I wouldn't. You don't need to tell them how

676
00:30:02,480 --> 00:30:05,040
Speaker 4: you know, you just know that's the important thing before

677
00:30:05,120 --> 00:30:06,960
Speaker 4: going in. I would be doing as I think we've

678
00:30:06,960 --> 00:30:09,400
Speaker 4: said this before, but like cross check your responsibilities against

679
00:30:09,400 --> 00:30:12,080
Speaker 4: their responsibilities. You know, you've said you're taking on a

680
00:30:12,120 --> 00:30:14,640
Speaker 4: lot of additional things. Perhaps that's happening for them as well.

681
00:30:15,160 --> 00:30:16,880
Speaker 4: Have as much information as you can going in.

682
00:30:16,920 --> 00:30:17,920
Speaker 2: And this is really scary.

683
00:30:18,000 --> 00:30:21,760
Speaker 4: Yeah, so have as much information going in and then say, hey,

684
00:30:22,040 --> 00:30:24,239
Speaker 4: can you please explain to me, Like I would kind

685
00:30:24,240 --> 00:30:26,040
Speaker 4: of put it on them and say, well, you've deemed

686
00:30:26,120 --> 00:30:28,680
Speaker 4: this person as you know, you're paying them this much more.

687
00:30:28,760 --> 00:30:30,640
Speaker 4: Can you explain to me what the reason for that is?

688
00:30:30,720 --> 00:30:32,680
Speaker 4: Because then it kind of puts the onus on them

689
00:30:32,800 --> 00:30:35,720
Speaker 4: to either say, oh, well, the NBA or they do

690
00:30:35,800 --> 00:30:38,200
Speaker 4: all this extra stuff or whatever, or did.

691
00:30:38,120 --> 00:30:40,080
Speaker 2: You realize X, Y and Z is part of their

692
00:30:40,160 --> 00:30:42,320
Speaker 2: responsibilities and you go, oh my god, I had no idea.

693
00:30:42,440 --> 00:30:44,840
Speaker 4: Like it kind of protects you a little bit, but

694
00:30:44,880 --> 00:30:47,800
Speaker 4: it also like theoretically, like if they can't justify it,

695
00:30:47,880 --> 00:30:49,840
Speaker 4: then they kind of look like an idiot and hopefully

696
00:30:49,920 --> 00:30:52,320
Speaker 4: that primes them to them go Okay, well, I think

697
00:30:52,400 --> 00:30:54,680
Speaker 4: the most reasonable thing to do is to match the salary.

698
00:30:54,960 --> 00:30:58,720
Speaker 2: Yep, agreed. I feel like I've had a lot of

699
00:30:58,760 --> 00:31:02,440
Speaker 2: people in our community in this situation, and research is

700
00:31:02,520 --> 00:31:05,080
Speaker 2: going to be your best friend. Like research the role,

701
00:31:05,200 --> 00:31:08,240
Speaker 2: work out what's going on. Honestly, I'm a bit cut

702
00:31:08,320 --> 00:31:10,720
Speaker 2: and dry with things like this, Like if I found

703
00:31:10,760 --> 00:31:13,680
Speaker 2: out that someone was genuinely or I felt like they

704
00:31:13,720 --> 00:31:16,040
Speaker 2: were taking advantage of me, even if they gave me

705
00:31:16,120 --> 00:31:19,080
Speaker 2: a salary increase because I asked, I don't know how

706
00:31:19,120 --> 00:31:22,680
Speaker 2: i'd feel about them moving forward. I feel like my

707
00:31:22,760 --> 00:31:24,560
Speaker 2: mum always used to say this to me growing up,

708
00:31:24,600 --> 00:31:26,560
Speaker 2: but I'm too black and white. She's like, you can't

709
00:31:26,560 --> 00:31:28,320
Speaker 2: live in the gray, Victoria. You need to learn that

710
00:31:28,440 --> 00:31:31,520
Speaker 2: sometimes there's this gray area and like I've just never

711
00:31:31,600 --> 00:31:33,880
Speaker 2: been able to do it. So I feel like once

712
00:31:33,920 --> 00:31:37,160
Speaker 2: I've written somebody off, sorry you're done. And so for

713
00:31:37,280 --> 00:31:39,760
Speaker 2: me personally, i'd be like, Okay, cool, you clearly undervalue me.

714
00:31:39,840 --> 00:31:41,200
Speaker 2: I'm going to find a new job. Yeah, I'm going

715
00:31:41,240 --> 00:31:42,920
Speaker 2: to work out what the hell's going on, because even

716
00:31:42,960 --> 00:31:45,200
Speaker 2: if you enjoy the job, clearly they don't value you

717
00:31:45,440 --> 00:31:47,880
Speaker 2: in the same way that they're valuing your colleague. If

718
00:31:47,920 --> 00:31:50,880
Speaker 2: you are correct, Yeah, but yeah, having a conversation about

719
00:31:51,200 --> 00:31:53,200
Speaker 2: what you want to be paid, I mean I'd probably

720
00:31:53,280 --> 00:31:54,440
Speaker 2: just walk in and be like, hey, so I was

721
00:31:54,480 --> 00:31:56,560
Speaker 2: thinking about this role, what it's valued at dumb my research,

722
00:31:56,560 --> 00:31:58,600
Speaker 2: and I actually think it's worth to pretend that your

723
00:31:59,000 --> 00:32:01,160
Speaker 2: colleague get paid a hundred I think it's worth one

724
00:32:01,200 --> 00:32:03,640
Speaker 2: hundred grand. And I'd be keeping up the sleep like

725
00:32:03,760 --> 00:32:05,600
Speaker 2: on my sleeve that I know that my colleague gets

726
00:32:05,600 --> 00:32:07,280
Speaker 2: paid that. And when they say, oh, we can't afford it,

727
00:32:07,360 --> 00:32:09,200
Speaker 2: we can't. You know that's not what's in budget for

728
00:32:09,280 --> 00:32:11,920
Speaker 2: that role, you'd be like, Brett gets paid that, So

729
00:32:12,160 --> 00:32:13,680
Speaker 2: I just thought it was fair to match it.

730
00:32:13,800 --> 00:32:15,400
Speaker 4: Are you guys get him with the hard stuff?

731
00:32:16,200 --> 00:32:19,000
Speaker 2: Like can you imagine how mortifying that would be if

732
00:32:19,040 --> 00:32:20,440
Speaker 2: they're like trying to back track and be like, oh

733
00:32:20,520 --> 00:32:22,920
Speaker 2: sorry Beck thought that and you go, yeah, all right,

734
00:32:22,960 --> 00:32:25,800
Speaker 2: well Jess has that, so like, what do you mean

735
00:32:25,800 --> 00:32:28,200
Speaker 2: you've got budget for them but not me after agreeing

736
00:32:28,280 --> 00:32:30,760
Speaker 2: that they're the same role. Yeah, yeah, yeah, I don't

737
00:32:30,760 --> 00:32:33,120
Speaker 2: know if that's the right thing to go and do,

738
00:32:33,480 --> 00:32:35,720
Speaker 2: like in terms of backing somebody into a corner, but

739
00:32:35,800 --> 00:32:37,640
Speaker 2: I'm very much to hold your cards close to your

740
00:32:37,720 --> 00:32:42,000
Speaker 2: chest if you have some information that don't give them

741
00:32:42,000 --> 00:32:45,960
Speaker 2: the information straight up. Don't be like oh well I know,

742
00:32:46,120 --> 00:32:47,560
Speaker 2: and they'll be like, okay, cool, well now I know.

743
00:32:47,640 --> 00:32:50,080
Speaker 2: I'm like what I'm working with. Yeah, sorry, I'm going

744
00:32:50,160 --> 00:32:52,239
Speaker 2: to lead you down the garden path. Yeah, and then

745
00:32:52,280 --> 00:32:54,520
Speaker 2: when you tell me no, I'm going to be like, sorry,

746
00:32:55,360 --> 00:32:56,640
Speaker 2: this actually was more for.

747
00:32:56,720 --> 00:32:57,960
Speaker 5: Me than for you.

748
00:32:58,440 --> 00:33:00,560
Speaker 2: And so yeah, I would, I would trying to have

749
00:33:00,680 --> 00:33:03,320
Speaker 2: that conversation. But yeah, I just think go find.

750
00:33:03,160 --> 00:33:04,080
Speaker 5: People that value you.

751
00:33:05,080 --> 00:33:08,000
Speaker 2: Likely even if you think you're happy now, I can

752
00:33:08,080 --> 00:33:11,880
Speaker 2: almost guarantee that you'd be happy or somewhere else. Yeah,

753
00:33:11,880 --> 00:33:14,760
Speaker 2: I don't really if you can't leave a different story anyway,

754
00:33:15,040 --> 00:33:16,960
Speaker 2: Name and shame, because we want companies.

755
00:33:16,960 --> 00:33:19,640
Speaker 5: We want employees to be scared to not pay.

756
00:33:20,400 --> 00:33:20,640
Speaker 4: Yeah.

757
00:33:20,880 --> 00:33:23,680
Speaker 2: Anyway, we asked the community. We said, if you found

758
00:33:23,680 --> 00:33:25,560
Speaker 2: out your colleague was earning twenty five percent more, but

759
00:33:25,600 --> 00:33:27,520
Speaker 2: you weren't meant to know, what would you do? Sixty

760
00:33:27,560 --> 00:33:29,880
Speaker 2: three percent of you said, obviously, I'd bring it up.

761
00:33:30,280 --> 00:33:33,440
Speaker 2: The pay gap is the issue. Nine percent of you

762
00:33:34,240 --> 00:33:37,479
Speaker 2: VDS and you said I'm starting job hunting, and eight

763
00:33:37,520 --> 00:33:39,960
Speaker 2: percent said I would say nothing. I wasn't meant to

764
00:33:40,000 --> 00:33:43,560
Speaker 2: say that. No boys in Queen, Yeah, seriously, sorry, do

765
00:33:43,600 --> 00:33:46,680
Speaker 2: you know what? I believe there is a reason for everything.

766
00:33:46,800 --> 00:33:47,960
Speaker 2: There is a reason you saw that.

767
00:33:48,240 --> 00:33:48,880
Speaker 5: Yeah, definitely.

768
00:33:49,000 --> 00:33:50,240
Speaker 4: Do you know what your.

769
00:33:50,240 --> 00:33:54,320
Speaker 2: Colleague might know? Maybe what if your colleague was like,

770
00:33:54,640 --> 00:33:56,640
Speaker 2: don't know how to bring this up? I feel really awkward.

771
00:33:56,760 --> 00:33:59,320
Speaker 2: I'm going to save my payslip there so that Jess

772
00:33:59,360 --> 00:34:04,600
Speaker 2: finds it. Maybe they're an ally exactly. Anyway, is twenty

773
00:34:04,680 --> 00:34:08,719
Speaker 2: five percent more pay there if someone has more experience?

774
00:34:09,320 --> 00:34:12,600
Speaker 2: Thirty three percent said yeah, experience matters. The other thirty

775
00:34:12,640 --> 00:34:16,080
Speaker 2: three percent said no, not if it's like exactly the

776
00:34:16,120 --> 00:34:19,000
Speaker 2: same work. Twenty four percent said I think it's the NBA,

777
00:34:19,160 --> 00:34:22,360
Speaker 2: and ten percent said feels like a gender thing TDH.

778
00:34:23,160 --> 00:34:26,000
Speaker 2: I think it's a conversation. Yeah, yeah, yeah, I think

779
00:34:26,000 --> 00:34:29,040
Speaker 2: it's a massive conversation. We then went to the community

780
00:34:29,080 --> 00:34:31,839
Speaker 2: and said, guys, what is your two cents? And lord,

781
00:34:31,920 --> 00:34:35,120
Speaker 2: you had at least four. First person said, arm yourself

782
00:34:35,120 --> 00:34:38,160
Speaker 2: with market data and state your case to your manager. Okay,

783
00:34:38,239 --> 00:34:41,839
Speaker 2: just great, cheek it out of our dms. Next person said,

784
00:34:42,080 --> 00:34:46,080
Speaker 2: experience and qualifications matter, but twenty five percent difference in

785
00:34:46,120 --> 00:34:48,000
Speaker 2: the same role does seem like a stretch.

786
00:34:48,200 --> 00:34:48,399
Speaker 4: Yeah.

787
00:34:49,040 --> 00:34:51,000
Speaker 2: Someone else said, how would they feel if someone with

788
00:34:51,160 --> 00:34:54,520
Speaker 2: less experience and qualification was getting the same pay as them?

789
00:34:54,920 --> 00:34:56,040
Speaker 2: I don't care.

790
00:34:56,400 --> 00:34:58,200
Speaker 4: Yeah, it's a good point to look at it from

791
00:34:58,200 --> 00:35:01,480
Speaker 4: the other side. But our person said that they the same.

792
00:35:01,440 --> 00:35:04,000
Speaker 2: So it's I don't know if this is divisive to say,

793
00:35:04,120 --> 00:35:07,160
Speaker 2: but as an employer, I'm going to use just as

794
00:35:07,160 --> 00:35:09,640
Speaker 2: an example. You've worked for me for what five years,

795
00:35:09,840 --> 00:35:13,239
Speaker 2: nearly six terrifying. I've loved all of them in that

796
00:35:13,440 --> 00:35:16,680
Speaker 2: period of time. Yes, Jess doesn't have a degree. Yes,

797
00:35:16,760 --> 00:35:21,080
Speaker 2: there's been a lot of development in the role, more responsibilities.

798
00:35:21,160 --> 00:35:24,120
Speaker 2: Obviously she's also had pay rises, but in that time

799
00:35:24,320 --> 00:35:27,839
Speaker 2: she has gained a deep understanding. If she's on the money,

800
00:35:28,080 --> 00:35:31,080
Speaker 2: a deep understanding of being able to talk on my behalf,

801
00:35:31,600 --> 00:35:35,360
Speaker 2: trust responsibility. That's not just like, oh, someone comes in,

802
00:35:35,520 --> 00:35:38,600
Speaker 2: so let's say she's on the money somehow doubles overnight.

803
00:35:38,680 --> 00:35:42,200
Speaker 2: We need two partnerships managers. I can guarantee you right

804
00:35:42,320 --> 00:35:44,880
Speaker 2: now that the salary I would offer to market, and

805
00:35:45,000 --> 00:35:46,600
Speaker 2: I'm happy to be quoted on this would not be

806
00:35:46,760 --> 00:35:49,360
Speaker 2: just as salary. I see that makes sense because to

807
00:35:49,480 --> 00:35:53,000
Speaker 2: me right now, it's not about degrees, it's not about qualifications. Yes,

808
00:35:53,040 --> 00:35:54,759
Speaker 2: I'd be looking for that, and yes, the role would

809
00:35:54,800 --> 00:35:57,879
Speaker 2: be marketed as such like I'm not going to try

810
00:35:57,920 --> 00:36:00,600
Speaker 2: and underpay someone. That's not the case. Don't think anyone

811
00:36:00,680 --> 00:36:03,720
Speaker 2: that works for me would agree that that ever happens,

812
00:36:04,440 --> 00:36:07,120
Speaker 2: it would be market fair going rate. I'm not going

813
00:36:07,160 --> 00:36:09,200
Speaker 2: to pay them what Jess gets because Jess has that

814
00:36:09,360 --> 00:36:12,560
Speaker 2: five years of experience of deeply understand Like if Jess

815
00:36:12,640 --> 00:36:15,400
Speaker 2: answered my phone to a client, I would trust her

816
00:36:15,560 --> 00:36:18,600
Speaker 2: that she knows she could give my advice. She knows,

817
00:36:19,400 --> 00:36:22,000
Speaker 2: and I don't think that if someone came in with

818
00:36:22,280 --> 00:36:24,480
Speaker 2: like a full degree or whatever you need for that

819
00:36:24,719 --> 00:36:27,799
Speaker 2: role and they found out what Jess aren't, because Jess

820
00:36:27,880 --> 00:36:30,840
Speaker 2: gonna tell them. I don't care. I would very happily

821
00:36:30,880 --> 00:36:33,759
Speaker 2: have that conversation that no, they weren't being matched and

822
00:36:33,840 --> 00:36:35,680
Speaker 2: there's a reason for that. Yeah, it's a good reason,

823
00:36:35,800 --> 00:36:38,560
Speaker 2: and it's exactly and I think there's a good reason

824
00:36:38,640 --> 00:36:40,239
Speaker 2: for that, and maybe you could think about that. I'm

825
00:36:40,280 --> 00:36:42,480
Speaker 2: not saying that that's the case, but like, yes, they

826
00:36:42,560 --> 00:36:44,400
Speaker 2: might have the same amount of experience as you, but

827
00:36:44,440 --> 00:36:46,279
Speaker 2: are you saying you have ten years experience in the

828
00:36:46,360 --> 00:36:48,920
Speaker 2: industry and they've got ten years working for that particular company.

829
00:36:49,160 --> 00:36:51,240
Speaker 2: I see this, and I'm not saying that every company

830
00:36:51,320 --> 00:36:54,719
Speaker 2: is the same, because some roles are so like clinical

831
00:36:54,800 --> 00:36:56,479
Speaker 2: where you just do the job and it actually doesn't

832
00:36:56,520 --> 00:36:59,040
Speaker 2: matter how deeply you know the organization because there's actually

833
00:36:59,440 --> 00:37:03,960
Speaker 2: ten million employees. But for me, that's a very different situation,

834
00:37:04,160 --> 00:37:05,759
Speaker 2: and I think putting that on the table is like,

835
00:37:05,840 --> 00:37:09,200
Speaker 2: I don't know, maybe a thought through caring for sure. Anyway,

836
00:37:09,239 --> 00:37:12,359
Speaker 2: I'll do two more. Next person said, talk with her

837
00:37:12,480 --> 00:37:16,880
Speaker 2: union reps because it's possibly actually widespread, might not just

838
00:37:16,960 --> 00:37:19,520
Speaker 2: be you. And then the last one I'm going to

839
00:37:19,560 --> 00:37:22,320
Speaker 2: share is I think they changed laws so that companies

840
00:37:22,400 --> 00:37:25,279
Speaker 2: can't hide large pay gaps like this, and I think

841
00:37:25,320 --> 00:37:28,920
Speaker 2: that that's where you should be looking like, that's very true. Understanding.

842
00:37:29,239 --> 00:37:31,719
Speaker 2: Do they have like a pay secrecy thing in your contracts?

843
00:37:32,239 --> 00:37:35,040
Speaker 2: Where does that conversation come in? Have you asked your

844
00:37:35,080 --> 00:37:37,319
Speaker 2: managers about like, oh, what's this role value dat?

845
00:37:37,360 --> 00:37:37,400
Speaker 1: What?

846
00:37:37,880 --> 00:37:40,280
Speaker 2: Yeah? I think there's just lots of conversation to be happening.

847
00:37:40,680 --> 00:37:43,480
Speaker 2: But what I'm learning is one communication and two do

848
00:37:43,760 --> 00:37:47,320
Speaker 2: your researching. Go in there prepared. Absolutely, we're not brushing

849
00:37:47,360 --> 00:37:52,720
Speaker 2: it under the rug. No, what a good little chat, guys.

850
00:37:52,800 --> 00:37:55,480
Speaker 2: I've loved this, but unfortunately that is all we have

851
00:37:55,640 --> 00:37:57,640
Speaker 2: time for today. So you know what, We'll see you

852
00:37:57,719 --> 00:38:00,640
Speaker 2: right nearly on Monday morning for our money. Have a

853
00:38:00,719 --> 00:38:02,840
Speaker 2: beautiful weekend, guys, Hi, guys. Bye.

854
00:38:08,880 --> 00:38:11,400
Speaker 6: The advice shared on She's on the Money is general

855
00:38:11,480 --> 00:38:15,319
Speaker 6: in nature and does not consider your individual circumstances. She's

856
00:38:15,360 --> 00:38:18,800
Speaker 6: on the Money exists purely for educational purposes and should

857
00:38:18,880 --> 00:38:22,040
Speaker 6: not be relied upon to make an investment or financial decision.

858
00:38:22,400 --> 00:38:24,879
Speaker 6: If you do choose to buy a financial product, read

859
00:38:24,880 --> 00:38:29,000
Speaker 6: the PDS TMD and obtain appropriate financial advice tailored towards

860
00:38:29,080 --> 00:38:32,319
Speaker 6: your needs. Victoria Divine and She's on the Money are

861
00:38:32,400 --> 00:38:37,359
Speaker 6: authorized representatives of money sheper pty ltd ABN three two

862
00:38:37,480 --> 00:38:40,439
Speaker 6: one is six four nine two seven seven zero eight

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