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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 2: Hello, and welcome to the Property Playbook.

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Speaker 4: Oh no, we're She's on the Money that just launched

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Speaker 4: this week wrong, the podcast Millennials who Want Financial Freedom.

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Speaker 2: Today, my friends, is.

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Speaker 4: Friday, which means it is time to get the team

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Speaker 4: together and celebrate you and the launch of the Property Playbook,

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Speaker 4: because we are just so excited in this office about

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Speaker 4: how excited you guys are about this. So today we're

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Speaker 4: going to be sharing our favorite money tips and tricks.

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Speaker 2: We're going to be helping to.

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Speaker 4: Answer a juicy money dilemma which this week is all

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Speaker 4: about credit card, travel, insurance, and we're going to be

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Speaker 4: unpacking something that you slid into our DMS about which

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Speaker 4: this week is all about financial priorities in relationships, which

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Speaker 4: I think will be a good one.

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Speaker 2: Guys, Beck, how's your week been?

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Speaker 5: Week has been absolutely superb.

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Speaker 2: Oh that's a very passionate answer. I just you know.

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Speaker 5: I had a great weekend which led into a fantastic week.

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Speaker 5: Just chilling, just grilling, just seeing mates and feeling.

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Speaker 2: Good, chilling like a villain.

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Speaker 5: Yes, I'm going back to the y, which I'm very

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Speaker 5: happy about. I hate the gym, Honestly, I don't hate

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Speaker 5: it anymore.

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Speaker 2: Oh, I changed my mind. So I'd love to be fitter.

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Speaker 5: Yeah, those endorphins. You got to focus on the endorphins.

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Speaker 5: I do chocolate and watching movies and talking to my

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Speaker 5: That's a.

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Speaker 2: Really good way to do it.

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Speaker 5: But if you stop focusing on cardio, I mean, I'm

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Speaker 5: not this is not a financial podcast, I'm sorry. A

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Speaker 5: fitness podcast is a financials If you stop focusing on

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Speaker 5: cardio because cardio is objectively awful, and just do muscle training,

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Speaker 5: oh my god, my world has opened up.

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Speaker 4: You can just lift heavy stuff. Yeah, that's that's empowering too.

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Speaker 6: I like to think of the gym as my personal runway.

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Speaker 6: That's how I make it fun every day.

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Speaker 2: Cute.

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Speaker 4: I love that I won't be doing that though neither

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Speaker 4: of you have succeeded in convincing me that I want

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Speaker 4: to go back to the gym.

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Speaker 2: Miss Jessic Greech. How's your week being?

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Speaker 6: Oh my gosh, I've had the best week ever. The

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Speaker 6: Property Playbook, if you didn't know, already launched, which was

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Speaker 6: exciting and overwhelming because I got to be the host

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Speaker 6: this season. Yay.

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Speaker 4: It kind of makes sense because like you're a budding

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Speaker 4: first home buyer. They feel like you have a million questions,

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Speaker 4: and also you're kind of the voice of the community

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Speaker 4: in a way because exactly.

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Speaker 6: I'm right there in the trenches with you, guys, and

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Speaker 6: everyone has been so lovely. I was really really nervous

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Speaker 6: because I've never.

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Speaker 2: You did so well.

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Speaker 6: I've never been the main host, do you mean, like

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Speaker 6: normally I'm just here.

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Speaker 2: You're the main character now, guys, main character energy.

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Speaker 6: But I was really excited but also very stressed. And

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Speaker 6: everyone has been so kind and so lovely. But I'm

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Speaker 6: worried because in the episodes. We obviously always go, oh,

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Speaker 6: please leave us a review. But the problem I didn't

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Speaker 6: think about is there's a delay on the reviews.

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Speaker 2: So I'm like, I know that.

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Speaker 6: They're seen them, yeah, because we asked for them. So

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Speaker 6: I hope that people like them and they left nice reviews.

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Speaker 6: But there's a part of my anxious self that's like,

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Speaker 6: they hate you, They're awful. They're going to be like,

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Speaker 6: kick her.

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Speaker 2: Off the show.

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Speaker 5: One person is going to say that, because honestly, you

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Speaker 5: shouldn't be reading the reviews to begin with, Miss Jessica Ricci.

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Speaker 2: How many times have we talked about this?

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Speaker 5: How many times have I been like, don't read the

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Speaker 5: reviews because some people are really nice, which is so beautiful.

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Speaker 2: To see, but then there's that one percent some people

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Speaker 2: are mean? Yeah, Like why are people on the internet

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Speaker 2: so mean? Like why it makes no sense?

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Speaker 4: Like who goes and reviews someone's podcast and says and

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Speaker 4: they do this right, So like maybe I'm just taking

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Speaker 4: the Mickey Victoria's voice is so annoying.

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Speaker 2: Don't listen to my podcasts? Then yeah, don't listen.

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Speaker 4: It's a choice to be here, and like, maybe give

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Speaker 4: us some you know, constructive feedback. Be like, oh, hey,

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Speaker 4: this happens on the podcast, and our listening experience would

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Speaker 4: be better if you x ys great, that's stunning.

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Speaker 2: We love that. I can't change my voice, babe, can

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Speaker 2: tw me things I can change?

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Speaker 6: Yeah. Constructive feedback is welcome. Kind feedback even more welcome.

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Speaker 6: So hopefully this time next week will have some nice reviews.

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Speaker 6: But until it's nice, I'll be a little stressy.

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Speaker 4: That's okay somebody who actually wants to get on and

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Speaker 4: say mean things about other people and be like, oh

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Speaker 4: they're stinky.

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Speaker 5: Like someone did say Beck is boring, has no vibe

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Speaker 5: and I cried for five days.

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Speaker 2: Wait did you read the reviews? Shouldn't have? But so, basically,

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Speaker 2: but it's your fault you have no personality, exactly, it's

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Speaker 2: not my fault. I have no personality. Do not have noticed?

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Speaker 6: People are much more inclined to leave And it's not

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Speaker 6: just podcasting, it's website reviews, it's anything. People are much

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Speaker 6: more inclined to leave feedback when it's negative and much

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Speaker 6: less inclined to leave feedback when it's positive. True, which

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Speaker 6: I think is really interesting.

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Speaker 4: It's more emotion attached to negative energy than there is

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Speaker 4: positive energy, which kind of sucks, but it's also the

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Speaker 4: way that it's interpreted. Right, Like you said the negative

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Speaker 4: things about you, Beck, you also said the same things.

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Speaker 4: Do you know how many beautiful reviews we've had about you,

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Speaker 4: Like people love you. We've had beautiful podcast reviews. I've

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Speaker 4: had people messaging me on Instagram. I've had emails being like,

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Speaker 4: Beck was great, thank.

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Speaker 2: You so much.

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Speaker 5: I love you, know that because I've shown you that.

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Speaker 5: But all you're caring about is the negative reviews. True, No,

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Speaker 5: I do love us sometimes I see little comments, but anyway,

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Speaker 5: it's not about me. It's about discoa Chie and the

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Speaker 5: Property Playbook, and there will be no negative feedback if

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Speaker 5: there is, and don't worry about those people.

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Speaker 2: I can't even delete it, so you guys don't see it.

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Speaker 4: Like I want to be like in protective mode and

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Speaker 4: be like, no, I'll just remove that before she sees it.

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Speaker 4: But you can't remove them, so then you bloody idiot.

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Speaker 2: Go and read it, and then you feel really.

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Speaker 5: Damn because some idiot on the internet told me I

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Speaker 5: was stinky, Like.

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Speaker 6: Well, we're manifesting positive vibes, and we are. If you

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Speaker 6: haven't listened to the Property Playbook, We are so excited

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Speaker 6: that we are back with the new season, and this

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Speaker 6: season we have Property Diaries as a five new episodes.

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Speaker 6: We're talking to people about how they got into their property.

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Speaker 6: I'm asking the juicy questions, how much do they earn?

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Speaker 6: Did they get any help from their parents? Like we

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Speaker 6: are getting the facts and only the facts perfect so

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Speaker 6: that you don't feel bad and.

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Speaker 2: You can learn.

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Speaker 6: Everyone has a different journey.

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Speaker 4: And we've basically with a Property Playbook, wiped this like

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Speaker 4: clean because twenty twenty three buying a property is very

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Speaker 4: different to twenty twenty one buying a property, So we

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Speaker 4: just wanted to make sure that you had every single

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Speaker 4: piece of education at your disposal, but like really relevant

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Speaker 4: education because since we recorded the twenty twenty one edition

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Speaker 4: of the Property Playbook, like the first Time Super Savior scheme,

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Speaker 4: it's gone from thirty thousand dollars up to fifty thousand dollars.

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Speaker 4: And if you go listen to those old episodes, they're outdated.

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Speaker 4: You might learn something and it's not inaccurate for the

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Speaker 4: time it was published. But like, I don't want you

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Speaker 4: guys to be in a position where you have outdated information.

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Speaker 4: So basically just been like, all right, if you were

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Speaker 4: starting today, fantastic. So if you've already listened to that season,

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Speaker 4: that's fantastic. All of this content is new and fresh.

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Speaker 4: But if you've never joined us on the Property Playbook,

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Speaker 4: it's basically like starting from the start.

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Speaker 2: Anyway.

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Speaker 4: All right, we need to get into the actual podcast

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Speaker 4: because all we're doing is talking about a different podcast

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Speaker 4: and that actually makes no sense. But miss Jessic Gotchi,

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Speaker 4: it is time for our community money wins and confessions.

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Speaker 2: What have you got for us this week?

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Speaker 6: Well, I'll start off with one that's on theme, a

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Speaker 6: property money win.

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Speaker 2: From Sary self indulgent, isn't it? She said? Money Win.

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Speaker 6: I talked to our broker and figured out that I

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Speaker 6: don't need to be in full time employment to purchase

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Speaker 6: a house in September, Which how good is that? Still

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Speaker 6: stay home with my child a few days a week.

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Speaker 2: Oh how good?

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Speaker 6: Power of talking to a broker. It really can change.

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Speaker 4: We talk about it all the time. If you guys

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Speaker 4: want to talk to a broker who basically is us,

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Speaker 4: just go and talk to the Zella Money team, because

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Speaker 4: I feel like so many people are apprehensive. They're like,

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Speaker 4: I'm not ready, go talk to them if you're not ready, Yeah,

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Speaker 4: they'll tell you when to come back. Now, help you

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Speaker 4: figure out your timeline. It's chef's kiss would.

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Speaker 2: Recommend turn out of ten? What's the next one?

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Speaker 6: Next? Money win comes from Marley who said money win.

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Speaker 6: I used my Macca's rewards points to treat myself to

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Speaker 6: a free mcflurry.

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Speaker 2: Turn out of ten.

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Speaker 5: In this economy, that is goodwin. Mcflurriy's are getting expensive tool.

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Speaker 5: I know, a pity saved as a penny. They say, McDonald's.

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Speaker 4: We need to talk as well, because they don't even

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Speaker 4: mix the mcflurries anymore.

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Speaker 2: Where's the flurry? Just a just a Sunday on top?

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Speaker 2: Hungry Jacks?

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Speaker 6: I think boycott boycott, moving right along before we start

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Speaker 6: a ride in the office.

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Speaker 2: Charlottes don't even need it. Charlotte said money win.

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Speaker 6: We got our electricity bill last week and it was

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Speaker 6: only eighty two dollars for the quarter as we got

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Speaker 6: our solar panels installed and turned on. And that's the

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Speaker 6: three adults in a house.

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Speaker 2: How good is that?

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Speaker 4: Also hot solar panel tip that I got from Glenn

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Speaker 4: James from my Millennial money because I watched his stories

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Speaker 4: over the weekend last weekend. It's coming into winter, so

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Speaker 4: obviously there's less sun in winter. Clean your solar panels

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Speaker 4: so they absorb more energy, because if there's like dirt

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Speaker 4: and stuff on top of them, they don't like absorb

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Speaker 4: as much energy as they could. So get up there

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Speaker 4: with some dishwashing liquid, give it a scrub, and your

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Speaker 4: energy bill is going to thank you. Brilliant's great welcome.

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Speaker 4: I'm not going to get on the roof. If I

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Speaker 4: had solar panels, I wouldn't do that. But it's a

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Speaker 4: good tip, a very good tip. My next one comes

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Speaker 4: from Lucy who said I got an Apple tag for

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Speaker 4: free thanks to my Medibank rewards points. I've now got

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Speaker 4: one very happy tracked cat.

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Speaker 2: Oh how good.

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Speaker 4: I've got trackers on my cats too, turn out of ten.

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Speaker 4: I just snoop on them during the day.

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Speaker 2: I would never have thought.

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Speaker 6: That you would get something like that on your medibank points,

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Speaker 6: so they go. If you've got a point system, it

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Speaker 6: pays to check if they've added fun you think.

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Speaker 4: Like the AI a vitality program like you get so

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Speaker 4: many good discounts and benefits from that. If you like

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Speaker 4: track in the app and it's actually really worth it. Incredible.

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Speaker 6: Last money when I have this week is from Jess,

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Speaker 6: who says money win. I adopted a fabulous furry friend

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Speaker 6: for zero dollars in adoption fee. It frees up the

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Speaker 6: budget allocated for a new puppy and Mark's guilt free

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Speaker 6: wardrobe shopping for this cool dude. His name is ry Kent.

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Speaker 6: For any ted LASSU fans, sadler, is there a picture,

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Speaker 6: There is a picture. He's very cute. Look at him, baby,

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Speaker 6: Look greyhound. I'm not gonna be I think, he might say.

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Speaker 6: For anybody who is looking for a money win in Melbourne,

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Speaker 6: My gosh, he.

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Speaker 2: Is a greyhound. She went, that's it. That's the greyhound

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Speaker 2: adoption Day.

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Speaker 6: I was gonna say, if you follow us on Instagram,

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Speaker 6: you'd be up with the adoption thing. Because our beautiful

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Speaker 6: team member Gabby fostered a greyhound named Laichi.

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Speaker 2: And he was actually the best dog.

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Speaker 6: He was a really sweet little honey pie and he

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Speaker 6: was obviously up for adoption. He'd been up for adoption

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Speaker 6: for a really long time, needed a bit of fostering,

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Speaker 6: and he got adopted this week, which was awesome. But

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Speaker 6: the event that he was adopted from was run by

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Speaker 6: Gap Greyhound adoption program and they were doing the same thing.

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Speaker 6: So they were giving away dogs so they could have

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Speaker 6: beautiful new homes and they have lots left so if anybody.

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Speaker 2: Nears and not of them got adopted.

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Speaker 4: Gabby has a greyhound she wanted to so she wanted

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Speaker 4: to keep Laichi, but we were talking about this in

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Speaker 4: this economy, she can't adopt Laichi. But also she's in

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Speaker 4: a rental. She was like, it's already hard enough with

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Speaker 4: one dog, Like two dogs is just going to be

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Speaker 4: too much. So she fosters. But oh my gosh, they're

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Speaker 4: the best dogs. Honestly. I asked Steve if we could

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Speaker 4: add one to the family and he was like, Victoria,

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Speaker 4: you already have two cats and one dog. Stop asking

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Speaker 4: for more pures. So I'm working on it, but please

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Speaker 4: do it on my behalf.

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Speaker 7: Yeah.

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Speaker 6: Absolutely, And it's a great tip from Jesse. Your local

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Speaker 6: shelters are a fantastic place to find yourself a little

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Speaker 6: fairy companion for an incredibly low price or often even free,

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Speaker 6: and you're doing some good by giving a little unwilling

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Speaker 6: you home.

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Speaker 2: I love that. That's so wholesome. That's very wholesome.

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Speaker 4: That's a good place to leave it, dreess, Let's go

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Speaker 4: to a really quick break. I'm going to go go

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Speaker 4: pictures of dogs, and then on the flip side, we're

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Speaker 4: going to be discussing credit card, travel insurance, and how

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Speaker 4: to manage financial priorities in relationships. So don't go anywhere, guys.

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Speaker 2: Welcome back everybody. Let's take a listen to this week's

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Speaker 2: money dilemma.

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Speaker 4: Hi, there, have you got a money dilemma you just

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Speaker 4: can't solve that. She's on the Money team is.

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Speaker 2: Here to help.

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Speaker 4: Every week we tackle your dilemmas, both big and small,

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Speaker 4: to answer your most burning money.

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Speaker 2: Career and life questions.

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Speaker 5: To get involved, simply head to our website and leave

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Speaker 5: us a short voice recording and you might just find

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Speaker 5: yourself on the show. Now, let's take a listen to

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Speaker 5: this week's money dilemma.

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Speaker 7: Hi, She's on the Money. Love your podcast. I'm just

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Speaker 7: getting in touch because I'm about to take nine months

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Speaker 7: career break and travel have a fabulous time, and I

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Speaker 7: have been weighing up the benefits of instead of getting

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Speaker 7: travel insurance policy, getting a credit card with included travel

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Speaker 7: insurance that has a high points bonus so that I

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Speaker 7: can leverage the points for some of the travel, and

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Speaker 7: the cost of the credit card would kind of be

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Speaker 7: balanced out against the cost of an insurance policy that

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Speaker 7: I'm not getting. I'd love to hear thoughts on pros

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Speaker 7: cons considerations, whether you think I'm being a massive idiot.

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Speaker 2: Thank you, this is your favorite subject.

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Speaker 4: Oh my gosh, I don't think anyone's ever a massive idiot. Arguably,

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Speaker 4: you want of the most intelligent people in the community

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Speaker 4: because you know to ask the pros which is just

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Speaker 4: in beck.

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Speaker 2: So let's take it away. Yes, you go back. I

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Speaker 2: think that you are doing a good job. She's on

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Speaker 2: the right track.

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Speaker 6: I feel like she has consciously thought about the cost

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Speaker 6: benefit analysis. Yeah, she's gone, Okay, my credit card has

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Speaker 6: a fee on it. I can potentially offset that fee

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Speaker 6: by saving own insurance policy that I have to get.

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Speaker 2: Savvy queens. Savvy queen.

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Speaker 6: The only thing that I'm not super across as someone

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Speaker 6: who hasn't had a credit card for a very long time,

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Speaker 6: is how comprehensive do you think travel insurance that's included

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Speaker 6: in a credit card is? And VD I feel like

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Speaker 6: you're going to be the person who knows the most here.

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Speaker 7: Mmmm.

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Speaker 4: Yeah, A bit negative on this topic asking thanks for USKI.

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Speaker 4: I think it's really smart, right, Like I would prefer

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Speaker 4: you to have free travel insurance through your credit card

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Speaker 4: then no travel insurance at all, right, So like anything

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Speaker 4: is better than nothing, and credit card travel insurance is

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Speaker 4: basically an insurance policy that you get which is included

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Speaker 4: with the premiums of your credit card. It's a very

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Speaker 4: big misconception that every single credit card will come with

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Speaker 4: a travel insurance policy. So make sure you're not just

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Speaker 4: assuming you're actually looking into it. And also I think

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Speaker 4: we need to really tap into the fact that if

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Speaker 4: that's why you're getting a credit card, I mean the

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Speaker 4: points thing aside, you do you work out what works

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Speaker 4: for you, because that can be quite lucrative for some people,

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Speaker 4: but a credit card in the wrong hands can actually

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Speaker 4: be really detrimental. And while this travel insurance might be

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Speaker 4: marketed as free or like complementary, these policies are typically

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Speaker 4: paid through you around your fees anyway. So if you're

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Speaker 4: only signing up for the travel insurance and there's a

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Speaker 4: credit card with no fees on it that gives you

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Speaker 4: access to points, maybe that might be better. And having

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Speaker 4: a standalone policy that you've gone and got for that

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Speaker 4: particular trip. So there's a few things that I would

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Speaker 4: look at when looking at complementary travel insurance. The first

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Speaker 4: thing is a lot of them will exclude a lot

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Speaker 4: of things because it's complementary, right. You just think of

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Speaker 4: it as like the base level, one size fits all. Yeah, exactly,

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Speaker 4: it's one size fits all. So like if you're going

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Speaker 4: to New Zealand, for example, might not include snow sports

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Speaker 4: or something that you want to be covered for, so

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Speaker 4: we need to look into that. It might not include

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Speaker 4: you driving a vehicle, so it might mean that just yep,

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Speaker 4: you're fine to go. But also if you drive, it's

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Speaker 4: nil and voice it might not cover up to the

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Speaker 4: amount of cover that you want to have. Your luggage

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Speaker 4: is worth ten thousand dollars and maybe they only cover

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Speaker 4: up to two thousand dollars for luggage if in that

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Speaker 4: circumstance that your luggage gets lost, that's actually a very

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Speaker 4: big difference, right, And these things add up, right, Like

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Speaker 4: if I said, oh, Beck, your your bag could be

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Speaker 4: worth ten grand, You'll be like, no V, it's not,

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Speaker 4: I promise you.

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Speaker 2: All of those things add up, from the expensive.

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Speaker 4: Jumpers you might own, to your iPhone to chargers. Like

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Speaker 4: all these things really add up. And if you're anything

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Speaker 4: like Mistress Gricci, you don't go anywhere without your dice

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Speaker 4: and air wrap.

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Speaker 2: Now that's easy eight hundred bucks these days.

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Speaker 6: And you don't travel light either, So no, even if

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Speaker 6: you're clothed, you know, average you have forty to fifty dollars.

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Speaker 6: If you've got ten of those, that's already.

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Speaker 2: Five hundred bucks.

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Speaker 3: Right.

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Speaker 4: It's not even how much they cost you to buy,

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Speaker 4: because you might go and get a good T shirt,

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Speaker 4: really great quality, you've saved up for it, but then

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00:16:47,480 --> 00:16:49,680
Speaker 4: you found it on sale. If you have to replace

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Speaker 4: that here now because you have no clothes anymore, like,

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Speaker 4: that's going to usually be a higher premium.

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Speaker 2: Don't get me started on.

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Speaker 4: The people like me who are very invested in their

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Speaker 4: skincare and makeup routines. I don't want to think about

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00:17:01,280 --> 00:17:03,800
Speaker 4: how much my makeup bag costs me Like that makes

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Speaker 4: me a little bit sick.

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Speaker 2: But there's a few things that we need to take

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Speaker 2: into consideration.

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Speaker 4: Right, So, if you went and got a standalone policy,

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00:17:10,680 --> 00:17:13,520
Speaker 4: more often than not they might be underwritten by an underwriter,

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Speaker 4: and most credit card policies like they're underwritten by the

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Speaker 4: same companies that you would go and get a policy from,

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Speaker 4: but they're more of a group policy and they have

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Speaker 4: less bells and whistles. You could say, you might not,

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Speaker 4: as we said before, be covered for any of the

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Speaker 4: activities you want to do, so as I said, skiing

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Speaker 4: or driving or you know, going on a scooter in Bali, Like,

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00:17:33,160 --> 00:17:36,359
Speaker 4: there are so many things it might actually cost you

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Speaker 4: more than a standalone policy. So like your annual credit

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Speaker 4: card fees, Let's say it's four hundred bucks and you're

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Speaker 4: going on a trip to Bali for ten days, your

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00:17:45,720 --> 00:17:48,960
Speaker 4: insurance at a good quality insurance is very likely to be.

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Speaker 2: Less than four hundred dollars.

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Speaker 4: And if you're only going on one holiday a year,

403
00:17:51,800 --> 00:17:53,439
Speaker 4: but you're paying for the credit card to get the

404
00:17:53,440 --> 00:17:56,719
Speaker 4: travel insurance, that's actually a money loss because the intention

405
00:17:56,840 --> 00:17:59,560
Speaker 4: actually cost you more money than actually you know, working

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00:17:59,560 --> 00:18:02,520
Speaker 4: it all out. But then there are also exclusions of

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Speaker 4: different countries, so you might look at your policy and go,

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00:18:05,800 --> 00:18:08,160
Speaker 4: I really want to go to the US not included.

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00:18:08,840 --> 00:18:11,359
Speaker 4: So it just pays to do your research. Am I

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Speaker 4: saying it's the worst. Absolutely not. It might work really

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00:18:14,480 --> 00:18:17,680
Speaker 4: well for you, but from my perspective, I'm the type

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Speaker 4: of person who likes super comprehensive travel insurance. We did

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Speaker 4: that episode recently on the cost of care with my

414
00:18:23,359 --> 00:18:26,400
Speaker 4: friend Rhann and Tracy, who became a quadriplegic after diving

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Speaker 4: into a pool in Bali, Stone Cold. Sobash was just

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Speaker 4: having a nice holiday with her mum and it ended

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Speaker 4: up costing hundreds of thousands of dollars just to get

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Speaker 4: her home. Obviously, there's a whole heap of lifetime costs

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Speaker 4: that I'm not going to go into. But if she

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Speaker 4: had the wrong insurance policy, that could have cost her

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Speaker 4: family hundreds of thousands of dollars. As I've said before,

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Speaker 4: I do not believe in going on a holiday without

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Speaker 4: travel insurance.

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Speaker 5: And if you say you can't afford it, from my perspective,

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Speaker 5: you cannot afford to go on holiday.

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Speaker 2: End of story.

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Speaker 4: Like I just think, if you're not going to get

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Speaker 4: it back, then you shouldn't be going on that holiday.

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Speaker 4: It's me, as somebody in the position where I have

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Speaker 4: seen this happen far too many times because I used

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Speaker 4: to live in the insurance world. It breaks my heart

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Speaker 4: and it's just for me a non negotiable. So I

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Speaker 4: just think we need to make sure that you have

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Speaker 4: a look at the cost benefits and work out what

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00:19:14,080 --> 00:19:16,080
Speaker 4: that means. And the best way you can do that

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Speaker 4: is go, okay, cool, I'm going to go work out

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00:19:18,920 --> 00:19:22,400
Speaker 4: what a standalone policy would actually include and make sure

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Speaker 4: that I'm ticking all the boxes that are important to

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00:19:24,440 --> 00:19:27,560
Speaker 4: me with my credit card insurance. But from my perspective

440
00:19:27,600 --> 00:19:30,720
Speaker 4: as someone who has historically had a credit card, I've

441
00:19:30,760 --> 00:19:33,920
Speaker 4: actually gone and gotten standalone travel insurance in addition because

442
00:19:33,920 --> 00:19:34,880
Speaker 4: it just wasn't enough.

443
00:19:35,000 --> 00:19:36,720
Speaker 6: And if you want more information about the things you

444
00:19:36,760 --> 00:19:39,160
Speaker 6: should think about, we did a whole episode last year

445
00:19:39,200 --> 00:19:42,200
Speaker 6: called Talking Travel Insurance where we got really in depth

446
00:19:42,200 --> 00:19:44,200
Speaker 6: about the things you want to think about, the little

447
00:19:44,240 --> 00:19:45,960
Speaker 6: bits and pieces that I feel like the everyday person

448
00:19:45,960 --> 00:19:48,440
Speaker 6: like us wouldn't consider if we hadn't spoken to someone

449
00:19:48,440 --> 00:19:48,880
Speaker 6: about it.

450
00:19:49,040 --> 00:19:50,720
Speaker 4: Alex, I want to make sure you're in the best

451
00:19:50,720 --> 00:19:53,199
Speaker 4: possible position. It's not a silly question at all. You

452
00:19:53,320 --> 00:19:55,640
Speaker 4: just don't know until you get told, so I think,

453
00:19:55,680 --> 00:19:58,480
Speaker 4: from my perspective, go and have a look, because, to

454
00:19:58,520 --> 00:20:00,879
Speaker 4: be honest, to some credit cards you come with a

455
00:20:01,040 --> 00:20:04,520
Speaker 4: very very good travel insurance, but you'd have to review

456
00:20:04,560 --> 00:20:06,320
Speaker 4: the policy and make sure that that works for you,

457
00:20:06,359 --> 00:20:08,040
Speaker 4: because every single person is different.

458
00:20:08,400 --> 00:20:10,639
Speaker 2: Very well said, thank you. I feel like I'm on

459
00:20:10,720 --> 00:20:12,840
Speaker 2: a rant today, Like you know those rant vibes that

460
00:20:12,880 --> 00:20:14,960
Speaker 2: I end up getting Jess like, I just go, oh

461
00:20:15,040 --> 00:20:16,280
Speaker 2: my god. All right, so you want to talk about

462
00:20:16,320 --> 00:20:17,920
Speaker 2: credit card, travel insurance? Sit down?

463
00:20:18,040 --> 00:20:21,560
Speaker 6: Well, I feel like this week's community question is really

464
00:20:21,600 --> 00:20:22,879
Speaker 6: just going to light a fire under that.

465
00:20:23,920 --> 00:20:26,639
Speaker 4: I'm so sorry, Please still love me. It's not my

466
00:20:26,760 --> 00:20:30,359
Speaker 4: fault that I just go rogue. I get excited because

467
00:20:30,359 --> 00:20:31,600
Speaker 4: I just want you guys to be in the best

468
00:20:31,600 --> 00:20:34,960
Speaker 4: possible position, and I really really do promise.

469
00:20:35,280 --> 00:20:37,680
Speaker 6: All right, Well, tell us what did this week's community member.

470
00:20:37,520 --> 00:20:38,080
Speaker 2: Have to say?

471
00:20:38,480 --> 00:20:41,040
Speaker 4: Hey, girls, love the pod and would appreciate a hand.

472
00:20:41,440 --> 00:20:43,720
Speaker 4: I've been with my boyfriend for three years now. We

473
00:20:43,880 --> 00:20:47,280
Speaker 4: don't live together, but it's in discussions. I have one

474
00:20:47,480 --> 00:20:51,119
Speaker 4: major thing that's stopping me. His lack of financial literacy

475
00:20:51,200 --> 00:20:53,679
Speaker 4: and desire to get a full time job scares me.

476
00:20:54,200 --> 00:20:56,760
Speaker 4: I'm really set and have big goals and plans that

477
00:20:56,880 --> 00:21:00,119
Speaker 4: I would love to involve him in. However, here he

478
00:21:00,200 --> 00:21:02,080
Speaker 4: works around three shifts a week at a gym. He

479
00:21:02,119 --> 00:21:04,480
Speaker 4: doesn't seem to care about finding full time work, and

480
00:21:04,640 --> 00:21:07,399
Speaker 4: Whenever I try and tell him, wouldn't the extra cash

481
00:21:07,480 --> 00:21:10,320
Speaker 4: be good? He just doesn't seem to care. There's three

482
00:21:10,440 --> 00:21:13,600
Speaker 4: question marks after that. I also feel like he doesn't

483
00:21:13,600 --> 00:21:15,920
Speaker 4: have any motivation to earn or save money to be

484
00:21:16,000 --> 00:21:18,760
Speaker 4: able to go on holidays together, which upsets me sometimes

485
00:21:18,840 --> 00:21:21,480
Speaker 4: as it's something I would love to do. He got

486
00:21:21,480 --> 00:21:23,840
Speaker 4: a bit of inheritance that I feel like he really

487
00:21:23,880 --> 00:21:26,640
Speaker 4: relies on, but I'm worried he will blink and it'll

488
00:21:26,640 --> 00:21:29,479
Speaker 4: all be gone. I'm struggling to see a future with us,

489
00:21:29,480 --> 00:21:32,160
Speaker 4: so when we have such different money, golts and values.

490
00:21:32,359 --> 00:21:33,800
Speaker 2: Do you have any advice?

491
00:21:35,080 --> 00:21:37,320
Speaker 5: I feel like I'm going to be a black sheep

492
00:21:37,400 --> 00:21:39,800
Speaker 5: here because I can see everyone's face and I know

493
00:21:39,920 --> 00:21:40,360
Speaker 5: that I'm going.

494
00:21:40,359 --> 00:21:41,920
Speaker 2: To have a different opinion. I think I'm going to

495
00:21:41,960 --> 00:21:44,600
Speaker 2: be on your team, to be honest, do you think so? Okay?

496
00:21:44,680 --> 00:21:47,560
Speaker 5: Well, I'm just going to say that for a large

497
00:21:47,600 --> 00:21:50,040
Speaker 5: portion of my life, probably even still to this day,

498
00:21:50,760 --> 00:21:54,800
Speaker 5: my focus is living and I was trying to get

499
00:21:54,800 --> 00:21:56,240
Speaker 5: to a point in my life where I would be

500
00:21:56,640 --> 00:21:59,480
Speaker 5: making enough to just exist and then I would be

501
00:21:59,520 --> 00:22:02,359
Speaker 5: doing everything that I love outside of work, seeing friends,

502
00:22:02,440 --> 00:22:03,840
Speaker 5: laying in the grass, lang in the sun.

503
00:22:04,240 --> 00:22:05,080
Speaker 2: I don't care.

504
00:22:07,640 --> 00:22:10,520
Speaker 5: If you guys follow back on Insta. You know, she

505
00:22:10,680 --> 00:22:13,760
Speaker 5: actually genuinely does that a lot friends, to lay in

506
00:22:13,760 --> 00:22:16,000
Speaker 5: the grass. That's all I do, and that's like, that's

507
00:22:16,119 --> 00:22:19,600
Speaker 5: my priority. And some people's priority is like, you know, working,

508
00:22:19,640 --> 00:22:22,639
Speaker 5: getting a full time job and saving money and reaching

509
00:22:22,640 --> 00:22:25,040
Speaker 5: all these financial goals. I totally get that, and I

510
00:22:25,040 --> 00:22:28,439
Speaker 5: actually really respect that. I don't. I think you maybe

511
00:22:28,480 --> 00:22:31,800
Speaker 5: either have that passion that drive or or you don't,

512
00:22:31,800 --> 00:22:34,320
Speaker 5: but you can you can gain that, of course, but

513
00:22:34,400 --> 00:22:37,080
Speaker 5: I think that some people have different priorities in life

514
00:22:37,160 --> 00:22:40,960
Speaker 5: and you can be so excited to just live outside

515
00:22:41,000 --> 00:22:41,360
Speaker 5: of work.

516
00:22:41,440 --> 00:22:43,240
Speaker 4: I agree, you know, I agree. I think you're going

517
00:22:43,320 --> 00:22:44,959
Speaker 4: to be really surprised. I think Jess and I are

518
00:22:45,000 --> 00:22:47,600
Speaker 4: on the same page about this as well. Jess, do

519
00:22:47,720 --> 00:22:50,680
Speaker 4: you want to give your opinion and then I'll give mine?

520
00:22:51,000 --> 00:22:53,480
Speaker 6: Yeah, No, I think I can say I produce analysa

521
00:22:53,480 --> 00:22:55,639
Speaker 6: IVI other side of the table being like, no red flag.

522
00:22:57,119 --> 00:23:00,119
Speaker 6: I agree with you, but it's different priorities. I think

523
00:23:00,160 --> 00:23:02,800
Speaker 6: the thing here is that you have to go okay,

524
00:23:03,000 --> 00:23:05,480
Speaker 6: like is the difference in priority is an issue for

525
00:23:05,560 --> 00:23:08,720
Speaker 6: me because I think as someone who definitely falls into

526
00:23:08,720 --> 00:23:11,840
Speaker 6: the more driven category. You know, if you feel like

527
00:23:11,880 --> 00:23:14,680
Speaker 6: somebody is compromising those goals, is that going to put

528
00:23:14,680 --> 00:23:16,879
Speaker 6: a strain on your relationship? And I guess you have

529
00:23:16,920 --> 00:23:19,520
Speaker 6: to weigh up how much you love this person, how

530
00:23:19,640 --> 00:23:21,919
Speaker 6: much they fill your cup in other ways, because obviously

531
00:23:22,000 --> 00:23:24,080
Speaker 6: there is much more that someone can contribute to a

532
00:23:24,160 --> 00:23:27,760
Speaker 6: relationship than just finances. So I think what you have

533
00:23:27,840 --> 00:23:30,560
Speaker 6: to do is kind of go, Okay, I'm allowed to

534
00:23:30,600 --> 00:23:34,040
Speaker 6: be upset or I'm allowed to be uncomfortable with the

535
00:23:34,040 --> 00:23:36,800
Speaker 6: fact that we have such different viewpoints on something as

536
00:23:36,840 --> 00:23:40,480
Speaker 6: significant as money, and you have to decide is that

537
00:23:40,560 --> 00:23:42,320
Speaker 6: going to be a deal breakup? Because the way that

538
00:23:42,400 --> 00:23:45,359
Speaker 6: I kind of look at relationships is, in an ideal world,

539
00:23:45,840 --> 00:23:47,800
Speaker 6: if you're in a monogamous relationship, you guys are going

540
00:23:47,800 --> 00:23:49,960
Speaker 6: to be together and you're going to be each other's

541
00:23:50,040 --> 00:23:53,200
Speaker 6: rock for the next sixty to ninety years of your life.

542
00:23:53,320 --> 00:23:55,720
Speaker 6: Like we're shooting for one hundred years. Yeah, Like you're

543
00:23:55,720 --> 00:23:57,520
Speaker 6: going to be able to see for a.

544
00:23:57,480 --> 00:23:58,800
Speaker 2: Long long time.

545
00:23:58,960 --> 00:24:02,439
Speaker 6: And I think if there are things that feel big now,

546
00:24:03,000 --> 00:24:05,440
Speaker 6: they're probably going to continue to feel big for the

547
00:24:05,560 --> 00:24:07,520
Speaker 6: duration of your relationship. And do you want to be

548
00:24:07,640 --> 00:24:11,880
Speaker 6: sitting on something like that for another sixty years. How

549
00:24:11,960 --> 00:24:13,400
Speaker 6: is that going to make you feel? Because it has

550
00:24:13,440 --> 00:24:17,160
Speaker 6: the potential to undermine that relationship. Yes, your partner could change,

551
00:24:17,200 --> 00:24:21,480
Speaker 6: Yes you could change. You know, nobody's entirely inflexible. But if,

552
00:24:21,520 --> 00:24:23,800
Speaker 6: as you said, it does come down to I like

553
00:24:24,040 --> 00:24:26,400
Speaker 6: X and you like why and neither of us want

554
00:24:26,400 --> 00:24:28,680
Speaker 6: to change, then is that going to be a problem

555
00:24:28,760 --> 00:24:29,520
Speaker 6: long term?

556
00:24:29,600 --> 00:24:32,200
Speaker 4: I genuinely couldn't agree more. I think our producer has

557
00:24:32,200 --> 00:24:33,960
Speaker 4: thrown this one in here because she thought it did

558
00:24:33,960 --> 00:24:36,879
Speaker 4: start a fight between us, And maybe we'll get to

559
00:24:36,920 --> 00:24:40,240
Speaker 4: a fight in our dms, like when we get people's responses.

560
00:24:40,560 --> 00:24:43,440
Speaker 4: But from my perspective, money doesn't have to be the

561
00:24:43,440 --> 00:24:45,879
Speaker 4: biggest thing in a relationship. To me, it's important to

562
00:24:45,880 --> 00:24:48,520
Speaker 4: have a level of financial literacy. If your partner is,

563
00:24:48,560 --> 00:24:50,600
Speaker 4: you know, wasting money and getting you in debt, like,

564
00:24:50,680 --> 00:24:54,320
Speaker 4: that's a different story than him not having money as

565
00:24:54,359 --> 00:24:56,919
Speaker 4: a main priority, right. And I think if we changed

566
00:24:57,000 --> 00:24:59,680
Speaker 4: this narrative, like, pretend it's my husband writing this letter

567
00:25:00,080 --> 00:25:03,040
Speaker 4: and it's him being so upset that I don't engage

568
00:25:03,080 --> 00:25:06,480
Speaker 4: with him on his favorite hobby golf. Like Victoria, I've

569
00:25:06,520 --> 00:25:09,640
Speaker 4: been with her for eight years and ome gosh, we

570
00:25:09,680 --> 00:25:12,320
Speaker 4: live together, and she just still.

571
00:25:12,080 --> 00:25:15,000
Speaker 5: Doesn't come to golf with me. She won't engage with

572
00:25:15,080 --> 00:25:18,560
Speaker 5: golf with me. She doesn't care when I go to golf.

573
00:25:18,800 --> 00:25:23,240
Speaker 5: She stays at home, sleeps in Like I think that's lazy,

574
00:25:23,440 --> 00:25:25,960
Speaker 5: you know what I mean? If we reframe that, he's

575
00:25:26,000 --> 00:25:29,280
Speaker 5: just got different values than me, and that's okay. I

576
00:25:29,320 --> 00:25:32,359
Speaker 5: am wildly passionate about financial literacy, and I'm assuming that

577
00:25:32,400 --> 00:25:34,760
Speaker 5: because you listen to our content, you are too.

578
00:25:35,200 --> 00:25:36,280
Speaker 2: That's so beautiful.

579
00:25:36,920 --> 00:25:39,560
Speaker 4: Have an open, honest conversation with your partner because it

580
00:25:39,560 --> 00:25:41,919
Speaker 4: could go back to what you're talking about. Beck just

581
00:25:42,080 --> 00:25:43,680
Speaker 4: doesn't want to work his life away.

582
00:25:43,800 --> 00:25:45,200
Speaker 2: Yeah, there are a lot of people.

583
00:25:44,960 --> 00:25:47,040
Speaker 4: In that circumstance where they don't want to do the

584
00:25:47,119 --> 00:25:48,720
Speaker 4: nine to five Monday to Friday grind.

585
00:25:48,760 --> 00:25:50,760
Speaker 2: And do you know what that should actually be? Okay,

586
00:25:51,040 --> 00:25:54,000
Speaker 2: it's not an expectation, like where did that even come from?

587
00:25:54,320 --> 00:25:57,240
Speaker 2: Why is that how we are expected to live our lives?

588
00:25:57,720 --> 00:26:00,399
Speaker 4: I think obviously having a level of financial litch receives

589
00:26:00,480 --> 00:26:02,119
Speaker 4: something that everybody deserves.

590
00:26:02,400 --> 00:26:04,000
Speaker 2: Whether you want to know, do.

591
00:26:04,080 --> 00:26:06,560
Speaker 4: Heaps of saving goals and pop up your saving chart

592
00:26:06,680 --> 00:26:09,199
Speaker 4: on the fridge, and you know, work towards holidays, like,

593
00:26:09,240 --> 00:26:12,280
Speaker 4: have you actually talked to your partner about what holidays mean?

594
00:26:12,840 --> 00:26:15,359
Speaker 4: Because Beck, let's just like, look at you and Jess,

595
00:26:15,600 --> 00:26:19,080
Speaker 4: Jess obsessed with travel, Like I think she would use

596
00:26:19,160 --> 00:26:22,399
Speaker 4: her last dollar to go on a holiday, Like genuinely,

597
00:26:22,560 --> 00:26:25,720
Speaker 4: travel is, from my perspective, something that she really really values.

598
00:26:26,200 --> 00:26:27,840
Speaker 2: Yeah, I don't think you care that much.

599
00:26:27,920 --> 00:26:29,720
Speaker 4: I think you just want freedom to go and get

600
00:26:29,720 --> 00:26:31,639
Speaker 4: a bagel in the morning. And if I said, is

601
00:26:31,640 --> 00:26:33,200
Speaker 4: it in Italy, you'd be like, oh, I mean, that'd

602
00:26:33,240 --> 00:26:33,680
Speaker 4: be all right.

603
00:26:33,760 --> 00:26:36,920
Speaker 5: But have you seen the place down the street, place

604
00:26:36,960 --> 00:26:38,880
Speaker 5: on Sydney Road in BRUNSWI got that's where I want

605
00:26:38,880 --> 00:26:39,040
Speaker 5: to be.

606
00:26:39,240 --> 00:26:39,960
Speaker 2: But do you know what I mean?

607
00:26:39,960 --> 00:26:42,879
Speaker 4: We've all got different values and he might just not

608
00:26:42,960 --> 00:26:45,520
Speaker 4: have the same values as you. And you're right, Jess,

609
00:26:45,520 --> 00:26:48,399
Speaker 4: maybe we need to have a conversation about what that

610
00:26:48,480 --> 00:26:52,160
Speaker 4: looks like. And if you are really passionate and wild

611
00:26:52,200 --> 00:26:55,479
Speaker 4: about travel, is that partner the right partner for you?

612
00:26:55,560 --> 00:26:56,600
Speaker 2: I guess is the question.

613
00:26:56,960 --> 00:26:59,639
Speaker 4: I don't think someone should have to change significantly to

614
00:26:59,640 --> 00:27:03,240
Speaker 4: be in a relationship. Obviously, being on the same page

615
00:27:03,240 --> 00:27:06,040
Speaker 4: when it comes to money is really important, But I

616
00:27:06,119 --> 00:27:09,119
Speaker 4: also don't think that your partner should compromise his lifestyle

617
00:27:09,200 --> 00:27:12,120
Speaker 4: to commit to a lifestyle that you want, because that's

618
00:27:12,160 --> 00:27:15,080
Speaker 4: then compromising his wants and his needs and his values.

619
00:27:15,320 --> 00:27:17,520
Speaker 4: And you don't think that we should do that too

620
00:27:17,640 --> 00:27:20,160
Speaker 4: much in a relationship. Like, at the end of the day,

621
00:27:20,400 --> 00:27:23,080
Speaker 4: relationships are all about compromise. We need to come to

622
00:27:23,200 --> 00:27:25,800
Speaker 4: some agreement and not everybody is always going to get

623
00:27:25,800 --> 00:27:27,640
Speaker 4: one hundred percent what they want because that's not how

624
00:27:27,680 --> 00:27:30,719
Speaker 4: life works. But if his value set is so different

625
00:27:30,760 --> 00:27:33,720
Speaker 4: to yours, maybe we talk about whether that relationship is

626
00:27:33,720 --> 00:27:36,440
Speaker 4: sustainable in the long term, or we talk about other

627
00:27:36,480 --> 00:27:38,560
Speaker 4: ways in which you could feel fulfilled. Can you go

628
00:27:38,600 --> 00:27:41,399
Speaker 4: on holidays with your girlfriends? Is that something where maybe

629
00:27:41,440 --> 00:27:43,280
Speaker 4: instead of going with your partner, you go, well, I

630
00:27:43,320 --> 00:27:45,800
Speaker 4: really do want to go to Italy, Honey, how about

631
00:27:45,840 --> 00:27:47,520
Speaker 4: I go ask Jess if she wants.

632
00:27:47,359 --> 00:27:49,119
Speaker 2: To come with me? And Jess and I are going

633
00:27:49,200 --> 00:27:51,679
Speaker 2: to go July next year. He might go, yeah, right,

634
00:27:51,800 --> 00:27:52,240
Speaker 2: have fun?

635
00:27:52,840 --> 00:27:53,520
Speaker 5: Do you know what I mean?

636
00:27:53,600 --> 00:27:56,000
Speaker 4: Like, we all have different value sets? And I think

637
00:27:56,040 --> 00:27:57,159
Speaker 4: that that's actually okay.

638
00:27:57,560 --> 00:27:59,960
Speaker 2: Absolutely I do agree. That's why you thought the conversation

639
00:28:00,080 --> 00:28:01,000
Speaker 2: we'll go, But I did not.

640
00:28:01,200 --> 00:28:03,840
Speaker 5: I really thought you guys would be on the opposite

641
00:28:03,920 --> 00:28:04,320
Speaker 5: end of that.

642
00:28:04,400 --> 00:28:07,040
Speaker 2: So I'm I'm kind of stoked you're kind of stoked. Yeah,

643
00:28:07,080 --> 00:28:08,000
Speaker 2: I'm kind of stoked with this.

644
00:28:08,119 --> 00:28:11,080
Speaker 4: I'm a bit disappointed that you thought that we would

645
00:28:11,280 --> 00:28:14,159
Speaker 4: be like ye. But we did ask the community a

646
00:28:14,160 --> 00:28:16,719
Speaker 4: few things. So we said, have you experienced something like

647
00:28:16,720 --> 00:28:19,359
Speaker 4: this with your significant other? Thirty eight percent of you

648
00:28:19,359 --> 00:28:23,159
Speaker 4: said yes, sixty two percent said no. We then said,

649
00:28:23,600 --> 00:28:25,879
Speaker 4: if yes, do you find it puts a strain on

650
00:28:25,920 --> 00:28:28,560
Speaker 4: your relationship? So this is just the people saying like, yeah,

651
00:28:28,600 --> 00:28:31,560
Speaker 4: we have you know, experienced something like this with my partner.

652
00:28:32,040 --> 00:28:34,920
Speaker 4: Ninety three percent of people said yeah, it does put

653
00:28:34,920 --> 00:28:37,840
Speaker 4: a strain on a relationship. Only seven percent of you

654
00:28:37,880 --> 00:28:40,000
Speaker 4: said no. I'd love to talk to the seven percent

655
00:28:40,040 --> 00:28:42,880
Speaker 4: where they're like, I've experienced that in my relationship, but

656
00:28:42,960 --> 00:28:44,959
Speaker 4: also doesn't put strain on my relationship.

657
00:28:45,200 --> 00:28:48,320
Speaker 5: M how please share with us. I feel like we've

658
00:28:48,320 --> 00:28:50,600
Speaker 5: got a lot to learn from you. We then said,

659
00:28:50,920 --> 00:28:53,440
Speaker 5: have you ever been in a relationship that ended due

660
00:28:53,520 --> 00:28:56,960
Speaker 5: to difference in financial goals or values? Forty five percent

661
00:28:57,000 --> 00:29:00,240
Speaker 5: of you said yes. That's a lot right to me.

662
00:29:00,360 --> 00:29:02,400
Speaker 4: That's a really big segment of the community that has

663
00:29:02,440 --> 00:29:04,680
Speaker 4: been in a relationship that's ended because you couldn't get

664
00:29:04,720 --> 00:29:06,760
Speaker 4: on the same page when it comes to money. And

665
00:29:07,280 --> 00:29:10,360
Speaker 4: that's important though, that's really important.

666
00:29:10,600 --> 00:29:13,280
Speaker 6: Yeah, I think it's it's hard because you go, well,

667
00:29:13,400 --> 00:29:14,880
Speaker 6: where do you weigh it up? And everyone's going to

668
00:29:15,000 --> 00:29:16,640
Speaker 6: land differently. Some people might be like, you know what,

669
00:29:16,680 --> 00:29:18,880
Speaker 6: I can let it go, and I can I'm happy

670
00:29:18,880 --> 00:29:20,840
Speaker 6: to compromise, and for other people they're like, no, like

671
00:29:21,480 --> 00:29:23,120
Speaker 6: my way or the highway, and both of those are

672
00:29:23,160 --> 00:29:26,280
Speaker 6: totally fine. But it's just fitting that into the relationship

673
00:29:26,360 --> 00:29:28,920
Speaker 6: that you have and figuring out what that I suppose

674
00:29:28,960 --> 00:29:30,120
Speaker 6: means for you and your partner.

675
00:29:30,320 --> 00:29:30,560
Speaker 1: Yeah.

676
00:29:30,720 --> 00:29:33,200
Speaker 4: We also then ask the community, well, give us your

677
00:29:33,240 --> 00:29:35,400
Speaker 4: two cents and here are some of those comments. So

678
00:29:35,640 --> 00:29:38,520
Speaker 4: someone said, have a good chat mental health problems, maybe

679
00:29:38,680 --> 00:29:40,520
Speaker 4: any willing lists to change.

680
00:29:40,200 --> 00:29:44,560
Speaker 2: If not wild to think or that is fit me.

681
00:29:45,400 --> 00:29:48,600
Speaker 4: Yep. Someone else said this onn will get chat. Do

682
00:29:48,760 --> 00:29:50,960
Speaker 4: not move in with this man. He is a child

683
00:29:51,000 --> 00:29:53,640
Speaker 4: who will drain your time, energy and resources.

684
00:29:53,840 --> 00:29:57,280
Speaker 2: Oh my days. If you're going to talk to.

685
00:29:57,240 --> 00:30:01,560
Speaker 4: Me about a man child, hear me out. I feel

686
00:30:01,600 --> 00:30:03,720
Speaker 4: like to me, the definition of a man child is

687
00:30:03,720 --> 00:30:06,200
Speaker 4: someone who doesn't clean up after themselves and expects you

688
00:30:06,240 --> 00:30:08,400
Speaker 4: to act like their mother and do their laundry and

689
00:30:08,440 --> 00:30:10,880
Speaker 4: do all of that stuff. What if he just doesn't

690
00:30:10,920 --> 00:30:12,080
Speaker 4: want to go to work and do a nine to

691
00:30:12,080 --> 00:30:14,600
Speaker 4: five monthed Friday job because he happens to have hobbies

692
00:30:14,600 --> 00:30:16,680
Speaker 4: that he's passionate about and would like to engage in

693
00:30:16,680 --> 00:30:19,960
Speaker 4: those instead, and has found a way in his part

694
00:30:20,000 --> 00:30:22,080
Speaker 4: time work to make enough money that he can make

695
00:30:22,120 --> 00:30:22,640
Speaker 4: that choice.

696
00:30:22,840 --> 00:30:25,560
Speaker 2: Yeah, is that not sick? That is pretty sick.

697
00:30:25,600 --> 00:30:27,680
Speaker 4: That's not a man child to me, No, like a

698
00:30:27,720 --> 00:30:31,480
Speaker 4: man child will be my partner doesn't do anything he

699
00:30:31,560 --> 00:30:34,040
Speaker 4: calls me mum, do you know what I mean?

700
00:30:34,160 --> 00:30:34,280
Speaker 1: Like?

701
00:30:34,520 --> 00:30:38,360
Speaker 6: Yeah, I think as well. We don't have enough information yet,

702
00:30:38,400 --> 00:30:40,880
Speaker 6: so I feel like the other thing is does he

703
00:30:41,200 --> 00:30:43,400
Speaker 6: you know, can he within his budget? As you you

704
00:30:43,400 --> 00:30:44,720
Speaker 6: know you've just said, maybe he has enough to like

705
00:30:44,720 --> 00:30:46,600
Speaker 6: afford what he wants to do? Can he afford to

706
00:30:46,760 --> 00:30:48,440
Speaker 6: for you guys to go out to dinner together and

707
00:30:48,480 --> 00:30:51,200
Speaker 6: to split the bill? Can he afford to go one

708
00:30:51,240 --> 00:30:53,160
Speaker 6: date night? If you're there are things I guess in

709
00:30:53,200 --> 00:30:56,120
Speaker 6: a relationship that all of time do sometimes cost money.

710
00:30:56,320 --> 00:30:59,000
Speaker 6: And if he's covering his living expenses, that's awesome. But

711
00:30:59,280 --> 00:31:02,520
Speaker 6: if he can't cover. I guess those additional things again,

712
00:31:02,800 --> 00:31:04,480
Speaker 6: is that going to be an issue?

713
00:31:04,840 --> 00:31:07,760
Speaker 4: Someone else said, sometimes people are really good for you,

714
00:31:08,080 --> 00:31:10,280
Speaker 4: but for a season, they aren't on the same journey

715
00:31:10,320 --> 00:31:13,320
Speaker 4: as you. Long term, that's much nicer, that's much nice.

716
00:31:13,320 --> 00:31:16,000
Speaker 4: Such so to put it, someone said, different financial goals

717
00:31:16,040 --> 00:31:19,440
Speaker 4: and values reflect a difference in overall values, especially if

718
00:31:19,440 --> 00:31:21,360
Speaker 4: there's not going to be any compromise.

719
00:31:21,680 --> 00:31:22,640
Speaker 2: I feel like that's good.

720
00:31:23,640 --> 00:31:27,120
Speaker 4: Someone else said, leave him. Your values do not align.

721
00:31:27,760 --> 00:31:30,800
Speaker 4: People seem like they're very firmly aggressive. Yeah, one way

722
00:31:30,880 --> 00:31:31,200
Speaker 4: or the other.

723
00:31:31,480 --> 00:31:32,320
Speaker 2: Yeah, I agree with that.

724
00:31:32,440 --> 00:31:36,120
Speaker 5: I think that the values thing, the last one you

725
00:31:36,120 --> 00:31:38,960
Speaker 5: read out is very black and white. Yeah, you're values

726
00:31:39,080 --> 00:31:41,560
Speaker 5: in align. You guys can break up if you want to.

727
00:31:41,680 --> 00:31:45,440
Speaker 5: But leaving this guy because he's maybe you know, not

728
00:31:45,520 --> 00:31:47,640
Speaker 5: got the same financial goals, I don't know that seem

729
00:31:47,680 --> 00:31:48,080
Speaker 5: to be mean.

730
00:31:48,240 --> 00:31:51,640
Speaker 4: I also just I feel like there's this unnecessary pressure

731
00:31:51,720 --> 00:31:56,120
Speaker 4: or expectation that everybody should be career motivated.

732
00:31:56,240 --> 00:31:59,000
Speaker 2: Yeah, everybody should want to be the best of the

733
00:31:59,040 --> 00:31:59,840
Speaker 2: best and earn the most.

734
00:32:00,360 --> 00:32:03,360
Speaker 4: And I just I don't agree, Like, I think there's

735
00:32:03,400 --> 00:32:07,320
Speaker 4: something really sexy, genuinely about someone who's just like nah,

736
00:32:07,520 --> 00:32:10,080
Speaker 4: live in my life, Like I envy the way that

737
00:32:10,120 --> 00:32:13,120
Speaker 4: you go love my life, love this, got enough money

738
00:32:13,160 --> 00:32:14,840
Speaker 4: to do that, Gonna go lay in the grass and

739
00:32:14,880 --> 00:32:16,360
Speaker 4: have a sick time like that.

740
00:32:16,320 --> 00:32:20,440
Speaker 2: Is that is to me goals like that is so cool.

741
00:32:20,560 --> 00:32:23,640
Speaker 4: And I don't think we give enough respect to people

742
00:32:23,640 --> 00:32:25,080
Speaker 4: who just know themselves so well.

743
00:32:25,120 --> 00:32:27,160
Speaker 2: They're like, I don't want to do that. Yeah, totally.

744
00:32:27,200 --> 00:32:28,760
Speaker 5: I think if you're not leaching off of someone else,

745
00:32:28,800 --> 00:32:31,040
Speaker 5: if you're just like living your own life, you're never

746
00:32:31,080 --> 00:32:33,960
Speaker 5: borrowing money, you're never needing from anyone else, You're just

747
00:32:34,040 --> 00:32:35,920
Speaker 5: living your own life. Do that however you want to

748
00:32:35,920 --> 00:32:38,200
Speaker 5: do that. You know, whether that's working one day or

749
00:32:38,240 --> 00:32:39,360
Speaker 5: five days or seven.

750
00:32:39,200 --> 00:32:41,880
Speaker 4: Days, you can still have the life that you want

751
00:32:41,920 --> 00:32:44,080
Speaker 4: with a partner that might not be on the same journey.

752
00:32:44,120 --> 00:32:46,480
Speaker 4: If that's the compromise that you want to make. And

753
00:32:46,520 --> 00:32:48,640
Speaker 4: as I said before, you could travel without them. You

754
00:32:48,640 --> 00:32:50,680
Speaker 4: could you know, save up for things without them, Like

755
00:32:50,840 --> 00:32:53,160
Speaker 4: you don't need a man like you. A man is

756
00:32:53,200 --> 00:32:55,800
Speaker 4: not a financial plan. We've talked about this before, like,

757
00:32:55,880 --> 00:32:57,880
Speaker 4: you can do whatever you want. I'm not going to

758
00:32:57,960 --> 00:32:59,640
Speaker 4: read out a lot of the other comments because, to

759
00:32:59,680 --> 00:33:02,200
Speaker 4: be honest, I felt like they were quite judgmental this week,

760
00:33:02,240 --> 00:33:05,840
Speaker 4: and I'm all about sharing honest, open opinions, but I

761
00:33:05,920 --> 00:33:09,160
Speaker 4: just feel like calling someone a man child consistently and

762
00:33:09,200 --> 00:33:11,440
Speaker 4: saying leave him and being like, no, he's a dead

763
00:33:11,440 --> 00:33:12,040
Speaker 4: beat man.

764
00:33:12,040 --> 00:33:12,520
Speaker 2: Rah rah.

765
00:33:12,640 --> 00:33:14,680
Speaker 4: Like I just I think that's a level of judgment

766
00:33:14,720 --> 00:33:16,800
Speaker 4: that we need to really reflect on, because at no

767
00:33:16,960 --> 00:33:19,520
Speaker 4: point in that listener question did they say that they

768
00:33:19,560 --> 00:33:22,680
Speaker 4: weren't contributing to the household and you know, paying their way.

769
00:33:22,760 --> 00:33:24,920
Speaker 4: At no point did they say that they're putting additional

770
00:33:24,920 --> 00:33:28,320
Speaker 4: financial pressure on the partner that had different financial goals. Like,

771
00:33:28,360 --> 00:33:30,959
Speaker 4: from my perspective, it's kind of cool to be in

772
00:33:30,960 --> 00:33:34,480
Speaker 4: a different situation than somebody else, and like I happen

773
00:33:34,560 --> 00:33:36,680
Speaker 4: to be in a relationship where my partner and I

774
00:33:36,680 --> 00:33:40,160
Speaker 4: are both really career focused, Like we are both exactly

775
00:33:40,200 --> 00:33:42,840
Speaker 4: on the same page. One of my best friends, her

776
00:33:43,080 --> 00:33:46,000
Speaker 4: entire life goal was to get to the point where

777
00:33:46,000 --> 00:33:48,000
Speaker 4: she was married and could have a baby and become

778
00:33:48,040 --> 00:33:50,560
Speaker 4: a state home mum. That was her job, that was exactly,

779
00:33:50,600 --> 00:33:51,960
Speaker 4: that was her goals, that was her career.

780
00:33:51,960 --> 00:33:53,560
Speaker 2: She's done it. I'm so stoked for her.

781
00:33:54,080 --> 00:33:57,120
Speaker 4: I have another friend who works part time and basically

782
00:33:57,160 --> 00:34:00,760
Speaker 4: she's like Beck, like just once to vibe. I love

783
00:34:00,800 --> 00:34:02,960
Speaker 4: that she's one of my favorite humans in the entire

784
00:34:03,000 --> 00:34:05,440
Speaker 4: world because she just knows herself so well. Those are

785
00:34:05,480 --> 00:34:07,400
Speaker 4: the people I want to surround myself with. Like a

786
00:34:07,440 --> 00:34:09,879
Speaker 4: career call. Your job doesn't define you. We've talked about

787
00:34:09,880 --> 00:34:14,680
Speaker 4: that before, and when it does, you're really boring, Like genuinely,

788
00:34:14,719 --> 00:34:17,520
Speaker 4: like if I went to parties and talked to people, well,

789
00:34:18,360 --> 00:34:20,400
Speaker 4: I work, you suck.

790
00:34:20,920 --> 00:34:24,919
Speaker 5: Yeah. Yeah, that's a very good point. Also, she didn't

791
00:34:24,960 --> 00:34:28,759
Speaker 5: mention if he treats so well, the kind.

792
00:34:28,520 --> 00:34:31,480
Speaker 2: Of funniest human in the entire world, what he's like.

793
00:34:31,520 --> 00:34:33,440
Speaker 5: Wants to be a stay at home partner.

794
00:34:33,719 --> 00:34:34,640
Speaker 2: What if he's just.

795
00:34:34,600 --> 00:34:38,320
Speaker 4: The nicest human and the most respectful person you've ever met.

796
00:34:38,680 --> 00:34:42,000
Speaker 2: He just vibes. Yeahstly that helps. Are we done here?

797
00:34:42,040 --> 00:34:44,160
Speaker 2: I think we are. I feel like I've ranted enough.

798
00:34:44,200 --> 00:34:46,520
Speaker 2: I told you I was in aroundy mood. I told

799
00:34:46,560 --> 00:34:47,399
Speaker 2: you I loved every second.

800
00:34:47,440 --> 00:34:50,120
Speaker 4: Thank you for letting me rant. Beck, we need to

801
00:34:50,120 --> 00:34:52,040
Speaker 4: take a leaf out of your book. Let's go lay

802
00:34:52,080 --> 00:34:54,160
Speaker 4: in the grass. Let's see you on Monday.

803
00:34:54,239 --> 00:35:00,200
Speaker 2: My loves have the best weekend ever. Bye ye bye.

804
00:35:04,200 --> 00:35:06,720
Speaker 4: The advice shared on She's on the Money is general

805
00:35:06,800 --> 00:35:10,640
Speaker 4: in nature and does not consider your individual circumstances. She's

806
00:35:10,719 --> 00:35:14,160
Speaker 4: on the Money exists purely for educational purposes and should

807
00:35:14,200 --> 00:35:17,360
Speaker 4: not be relied upon to make an investment or financial decision.

808
00:35:17,760 --> 00:35:20,200
Speaker 4: If you do choose to buy a financial product, read

809
00:35:20,239 --> 00:35:24,360
Speaker 4: the PDS TMD and obtain appropriate financial advice tailored towards

810
00:35:24,400 --> 00:35:27,680
Speaker 4: your needs. Victoria Divine and She's on the Money are

811
00:35:27,719 --> 00:35:32,759
Speaker 4: authorized representatives of money. Sheper pty Ltd ABN three two

812
00:35:32,800 --> 00:35:36,719
Speaker 4: one six four nine two seven seven zero eight AFSL

813
00:35:36,880 --> 00:35:43,640
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