Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 2: Hello, and welcome to the Property Playbook.
Speaker 4: Oh no, we're She's on the Money that just launched
Speaker 4: this week wrong, the podcast Millennials who Want Financial Freedom.
Speaker 2: Today, my friends, is.
Speaker 4: Friday, which means it is time to get the team
Speaker 4: together and celebrate you and the launch of the Property Playbook,
Speaker 4: because we are just so excited in this office about
Speaker 4: how excited you guys are about this. So today we're
Speaker 4: going to be sharing our favorite money tips and tricks.
Speaker 2: We're going to be helping to.
Speaker 4: Answer a juicy money dilemma which this week is all
Speaker 4: about credit card, travel, insurance, and we're going to be
Speaker 4: unpacking something that you slid into our DMS about which
Speaker 4: this week is all about financial priorities in relationships, which
Speaker 4: I think will be a good one.
Speaker 2: Guys, Beck, how's your week been?
Speaker 5: Week has been absolutely superb.
Speaker 2: Oh that's a very passionate answer. I just you know.
Speaker 5: I had a great weekend which led into a fantastic week.
Speaker 5: Just chilling, just grilling, just seeing mates and feeling.
Speaker 2: Good, chilling like a villain.
Speaker 5: Yes, I'm going back to the y, which I'm very
Speaker 5: happy about. I hate the gym, Honestly, I don't hate
Speaker 5: it anymore.
Speaker 2: Oh, I changed my mind. So I'd love to be fitter. Yeah,
Speaker 2: those endorphins. You got to focus on the endorphins. I
Speaker 2: do chocolate and watching movies and talking to my That's
Speaker 2: a really good way to do it.
Speaker 5: But if you stop focusing on cardio, I mean, I'm
Speaker 5: not this is not a financial podcast, I'm sorry. A
Speaker 5: fitness podcast is a financialcast. If you stop focusing on
Speaker 5: cardio because cardio is objectively awful, and just do muscle training,
Speaker 5: oh my god, my world has opened up.
Speaker 4: You can just lift heavy stuff. Yeah, that's that's empowering too.
Speaker 6: I like to think of the gym as my personal runway.
Speaker 6: That's how I make it fun every day.
Speaker 2: Cute.
Speaker 4: I love that I won't be doing that though neither
Speaker 4: of you have succeeded in convincing me that I want
Speaker 4: to go back to the gym.
Speaker 2: Miss Jessic Greech. How's your week being?
Speaker 6: Oh my gosh, I've had the best week ever. The
Speaker 6: Property Playbook, if you didn't know, already launched, which was
Speaker 6: exciting and overwhelming because I got to be the host
Speaker 6: this season.
Speaker 5: Yay.
Speaker 4: It kind of makes sense because like you're a budding
Speaker 4: first home buyer. They feel like you have a million questions,
Speaker 4: and also you're kind of the voice of the community
Speaker 4: in a way because exactly.
Speaker 6: I'm right there in the trenches with you, guys, and
Speaker 6: everyone has been so lovely. I was really really nervous
Speaker 6: because I've never.
Speaker 2: You did so well.
Speaker 6: I've never been the main host, do you mean, like
Speaker 6: normally I'm just here.
Speaker 2: You're the main character now, guys.
Speaker 6: Main character energy. But I was really excited but also
Speaker 6: very stressed. And everyone has been so kind and so lovely.
Speaker 6: But I'm worried because in the episodes. We obviously always go, oh,
Speaker 6: please leave us a review. But the problem I didn't
Speaker 6: think about is there's a delay on the reviews.
Speaker 2: So I'm like, I know that they're.
Speaker 6: Coming seen them, yeah, because we asked for them. So
Speaker 6: I hope that people like them and they left nice reviews.
Speaker 6: But there's a part of my anxious self that's like,
Speaker 6: they hate you, They're awful. They're going to be like,
Speaker 6: kick her.
Speaker 2: Off the show.
Speaker 5: One person is going to say that, because honestly, you
Speaker 5: shouldn't be reading the reviews to begin with, Miss Jessica Ricci.
Speaker 2: How many times have we talked about this?
Speaker 5: How many times have I been like, don't read the
Speaker 5: reviews because some people are really nice, which is so
Speaker 5: beautiful to see.
Speaker 2: But then there's that one percent some people are mean? Yeah,
Speaker 2: Like why are people on the internet so mean? Like
Speaker 2: why it makes no sense?
Speaker 4: Like who goes and reviews someone's podcast and says and
Speaker 4: they do this right, So like maybe I'm just taking
Speaker 4: the Mickey Victoria's voice is so annoying, don't.
Speaker 2: Listen to my podcasts? Then yeah, don't listen.
Speaker 4: It's a choice to be here, and like, maybe give
Speaker 4: us some you know, constructive feedback, be like, oh, hey,
Speaker 4: this happens on the podcast, and our listening experience would
Speaker 4: be better if you x ys great, that's stunning. We
Speaker 4: love that I can't change my voice. Babe, can show
Speaker 4: me things I can change. Yeah, constructive feedback is welcome.
Speaker 4: Kind feedback even more welcome. So hopefully this time next
Speaker 4: week will have some nice reviews. But until it's nice,
Speaker 4: I'll be a little stressy.
Speaker 2: That's okay.
Speaker 4: It's somebody who actually wants to get on and say
Speaker 4: mean things about other people and be like, oh, they're stinky.
Speaker 5: Like someone did say Beck is boring, has no vibe
Speaker 5: and I cried for five days.
Speaker 2: Wait did you read the reviews?
Speaker 5: Shouldn't have But so, basically, but it's your fault you
Speaker 5: have no personality.
Speaker 2: Exactly, it's not my fault. I have no personality. Do
Speaker 2: not have noticed?
Speaker 6: People are much more inclined to leave and it's not
Speaker 6: just podcasting, it's website reviews, it's anything. People are much
Speaker 6: more inclined to leave feedback when it's negative and much
Speaker 6: less inclined to leave feedback when it's positive. True, which
Speaker 6: I think is really interesting.
Speaker 4: It's more emotion attached to negative energy than there is
Speaker 4: positive energy, which kind of sucks, but it's also the
Speaker 4: way that it's interpreted. Right, Like you said the negative
Speaker 4: things about you, Beck, you also said the same things.
Speaker 4: Do you know how many beautiful reviews we've had about you?
Speaker 4: Like people love you. We've had beautiful podcast reviews. I've
Speaker 4: had people messaging me on Instagram. I've had emails being like,
Speaker 4: Beck was great, thank.
Speaker 2: You so much.
Speaker 5: I love you, know that because I've shown you that.
Speaker 5: But all you're caring about is the negative reviews. True, No,
Speaker 5: I do love us sometimes I see little comments, but anyway,
Speaker 5: it's not about me. It's about Discovia Chi and the
Speaker 5: Property playbook, and there will be no negative feedback if
Speaker 5: there is, and don't worry about those people.
Speaker 2: I can't even delete it, so you guys don't see it.
Speaker 5: Like I want to be like in protective mode and
Speaker 5: be like, Noah, don't just remove that before she sees it.
Speaker 2: But you can't remove them, so then you bloody idiot
Speaker 2: go and read it, and then you're like, feel really.
Speaker 4: Damn because some idiot on the internet told me I
Speaker 4: was stinky, Like.
Speaker 6: Well, we're manifesting positive vibes, and we are. If you
Speaker 6: haven't listened to the Property Playbook. We are so excited
Speaker 6: that we are back with the new season, and this
Speaker 6: season we have Property Diaries as a five new episodes.
Speaker 6: We're talking to people about how they got into their property.
Speaker 6: I'm asking the juicy questions, how much did they earn?
Speaker 6: Did they get any help from their parents? Like we
Speaker 6: are getting the facts and only the facts perfect so
Speaker 6: that you don't feel bad and.
Speaker 2: You can learn.
Speaker 6: Everyone has a different journey.
Speaker 4: And we've basically with a Property Playbook, wiped this like clean,
Speaker 4: because twenty twenty three buying a property is very different
Speaker 4: to twenty twenty one buying a property. So we just
Speaker 4: wanted to make sure that you had every single piece
Speaker 4: of education at your disposal, but like really relevant education
Speaker 4: because since we recorded the twenty twenty one edition of
Speaker 4: the Property Playbook, like the first Time Super Savior scheme,
Speaker 4: it's gone from thirty thousand dollars up to fifty thousand dollars.
Speaker 4: And if you go listen to those old episodes, they're outdated.
Speaker 4: You might learn something and it's not inaccurate for the
Speaker 4: time it was published. But like, I don't want you
Speaker 4: guys to be in a position where you have outdated information,
Speaker 4: So basically just been like, all right, if you were
Speaker 4: starting today, fantastic. So if you've already listened to that season,
Speaker 4: that's fantastic. All of this content is new and fresh.
Speaker 4: But if you've never joined us on the Property Playbook,
Speaker 4: it's basically like starting from the start anyway. All right,
Speaker 4: we need to get into the actual podcast because all
Speaker 4: we're doing is talking about a different podcast and that
Speaker 4: actually makes no sense. But miss Jessic Gotchi, it is
Speaker 4: time for our community money wins and confessions.
Speaker 2: What have you got for us this week?
Speaker 6: Well, I'll start off with one that's on theme, a
Speaker 6: property money win.
Speaker 2: From Sary self indulgent, isn't it? She said? Money Win.
Speaker 6: I talked to our broker and figured out that I
Speaker 6: don't need to be in full time employment to purchase
Speaker 6: a house in September, Which how good is that? Still
Speaker 6: stay home with my child a few days a week.
Speaker 2: Oh how good?
Speaker 6: Power of talking to a broker, It really can change.
Speaker 4: We talk about it all the time. If you guys
Speaker 4: want to talk to a broker who basically is us,
Speaker 4: just go and talk to the Zella Money team, because
Speaker 4: I feel like so many people are apprehensive They're.
Speaker 2: Like, I'm not ready. Go talk to them.
Speaker 6: If you're not ready, Yeah, they'll tell you when to
Speaker 6: come back. Now, help you figure out your timeline. It's
Speaker 6: chef's kiss would.
Speaker 2: Recommend turn out of ten? What's the next one? Next?
Speaker 6: Money win comes from Marley who said money win. I
Speaker 6: used my Macca's rewards points to treat myself to a
Speaker 6: free mcflurry.
Speaker 2: Turn out of ten.
Speaker 5: In this economy, that is goodwin. Mcflurriy's are getting expensive tool.
Speaker 5: I know, a pity saved as a penny. They say, McDonald's.
Speaker 4: We need to talk as well, because they don't even
Speaker 4: mix the mcflurries anymore.
Speaker 2: Where's the flurry? Just a just a Sunday on top?
Speaker 5: Hungry Jacks?
Speaker 2: I think boycott boycott.
Speaker 6: Moving right along before we start a ride in the office.
Speaker 6: Were Charlottes don't even need it? Charlotte said money win.
Speaker 6: We got our electricity bill last week and it was
Speaker 6: only eighty two dollars for the quarter. As we got
Speaker 6: our solar panels installed and turned on. And that's the
Speaker 6: three adults in a house.
Speaker 2: How good is that?
Speaker 4: Also, hot solar panel tip that I got from Glenn
Speaker 4: James from my millennial money because I watched his stories
Speaker 4: over the weekend. Last weekend, It's coming into winter, so
Speaker 4: obviously there's less sun in winter.
Speaker 2: Clean your solar panels so.
Speaker 4: They absorb more energy, because if there's like dirt and
Speaker 4: stuff on top of them, they don't like absorb as
Speaker 4: much energy as they could. So get up there with
Speaker 4: some dishwashing liquid, give it a scrub, and your energy
Speaker 4: bill is going to thank you. Brilliant's great welcome. I'm
Speaker 4: not going to get on the roof. If I had
Speaker 4: solar panels, I wouldn't do that. But it's a good tip,
Speaker 4: a very good tip. My next one comes from Lucy
Speaker 4: who said I got an Apple tag for free thanks
Speaker 4: to my Medibank rewards points. I've now got one very
Speaker 4: happy tracked cat.
Speaker 2: Oh how good.
Speaker 4: I've got trackers on my cats too, turn out of ten.
Speaker 4: I just snoop on them during the day.
Speaker 6: I would never have thought that you would get something
Speaker 6: like that on your medibank points, so they go. If
Speaker 6: you've got a point system, it pays to check if
Speaker 6: they've added fun you think.
Speaker 4: Like the AI a vitality program like you get so
Speaker 4: many good discounts and benefits from that. If you like
Speaker 4: track in the app and it's actually really worth it.
Speaker 2: Incredible.
Speaker 6: Last money when I have this week is from Jess,
Speaker 6: who says, money win. I adopted a fabulous furry friend
Speaker 6: for zero dollars in adoption fee. It frees up the
Speaker 6: budget allocated for a new puppy and Mark's guilt free
Speaker 6: wardrobe shopping for this cool dude. His name is ry Kent.
Speaker 6: For any ted LASSU fans, sadler, is there a picture,
Speaker 6: There is a picture. He's very cute. Look at him, baby,
Speaker 6: Look greyhound. I'm not gonna be I think he might.
Speaker 6: Can I say for anybody who is looking for a
Speaker 6: money win in Melbourne?
Speaker 2: My gosh, he is a greyhound. She went, that's it.
Speaker 2: That's the greyhound adoption Day.
Speaker 6: I was gonna say, if you follow us on Instagram,
Speaker 6: you'd be up with the adoption thing because our beautiful
Speaker 6: team member Gabby fostered a greyhound named Laichi.
Speaker 2: And he was actually the best dog.
Speaker 6: He was a really sweet little honey pie and he
Speaker 6: was obviously up for adoption. He'd been up for adoption
Speaker 6: for a really long time, needed a bit of fostering,
Speaker 6: and he got adopted this week, which was awesome. But
Speaker 6: the event that he was adopted from was run by
Speaker 6: Gap Greyhound Adoption Program and they were doing the same thing.
Speaker 6: So they were giving away dogs so they could have
Speaker 6: beautiful new homes and they have lots left so if anybody.
Speaker 2: Nears and not of them got adopted.
Speaker 4: Gabby has a greyhound she wanted to so she wanted
Speaker 4: to keep Laichi, but we were talking about this in
Speaker 4: this economy, she can't adopt Laichi. But also she's in
Speaker 4: a rental. She was like, it's already hard enough with
Speaker 4: one dog, Like two dogs is just going to be
Speaker 4: too much. So she fosters. But oh my gosh, they're
Speaker 4: the best dogs. Honestly. I asked Steve if we could
Speaker 4: add one to the family and he was like, Victoria,
Speaker 4: you already have two cats and one dog. Stop asking
Speaker 4: for more pures. So I'm working on it, but please
Speaker 4: do it on my behalf.
Speaker 6: Yeah. Absolutely, And it's a great tip from Jesse. Your
Speaker 6: local shelters are a fantastic place to find yourself a
Speaker 6: little fairy companion for an incredibly low price or often
Speaker 6: even free, and you're doing some good by giving a
Speaker 6: little unwilling you home.
Speaker 2: I love that that's so wholesome. That's very wholesome.
Speaker 4: That's a good place to leave it, dreess, Let's go
Speaker 4: to a really quick break. I'm going to go go
Speaker 4: pictures of dogs, and then on the flip side, we're
Speaker 4: going to be discussing credit card, travel insurance, and how
Speaker 4: to manage financial priorities in relationships. So don't go anywhere, guys.
Speaker 2: Welcome back everybody.
Speaker 6: Let's take a listen to this week's money dilemma.
Speaker 4: Hi, there, have you got a money dilemma you just
Speaker 4: can't solve that. She's on the Money team is here
Speaker 4: to help. Every week we tackle your dilemmas, both big
Speaker 4: and small, to answer your most burning money.
Speaker 2: Career and life questions.
Speaker 4: To get involved, simply head to our website and leave
Speaker 4: us a short voice recording and you might just find
Speaker 4: yourself on the show. Now, let's take a listen to
Speaker 4: this week's money dilemma.
Speaker 7: Hi, She's on the Money. Love your podcast. I'm just
Speaker 7: getting in touch because I'm about to take nine months
Speaker 7: career break and travel have a fabulous time, and I
Speaker 7: have been weighing up the benefits of instead of getting
Speaker 7: travel insurance policy, getting a credit card with included travel
Speaker 7: insurance that has a high points bonus, so that I
Speaker 7: can leverage the points for some of the travel, and
Speaker 7: the cost of the credit card would kind of be
Speaker 7: balanced out against the cost of an insurance policy that
Speaker 7: I'm not getting. I'd love to hear thoughts on pros
Speaker 7: cons considerations, whether you think I'm being a massive idiot.
Speaker 2: Thank you, this is your favorite subject.
Speaker 4: Oh my gosh, I don't think anyone's ever a massive idiot. Arguably,
Speaker 4: you want of the most intelligent people in the community
Speaker 4: because you know to ask the pros which is just
Speaker 4: in beck.
Speaker 2: So let's take it away. Yes, you go back. I
Speaker 2: think that you are doing a good job. She's on
Speaker 2: the right track.
Speaker 6: I feel like she has consciously thought about the cost
Speaker 6: benefit analysis. Yeah, she's gone, Okay, my credit card has
Speaker 6: a fee on it. I can potentially offset that fee
Speaker 6: by saving own insurance policy that I have to get.
Speaker 2: Savvy Queens. Savvy queen.
Speaker 6: The only thing that I'm not super across as someone
Speaker 6: who hasn't had a credit card for a very long time,
Speaker 6: is how comprehensive do you think travel insurance that's included
Speaker 6: in a credit card is? And VD I feel like
Speaker 6: you're going to be the person who knows the most here.
Speaker 4: Mmmm yeah, a bit negative on this topic asking thanks
Speaker 4: for USKI. I think it's really smart, right, Like I
Speaker 4: would prefer you to have free travel insurance through your
Speaker 4: credit card then no travel insurance at all. Right, So,
Speaker 4: like anything is better than nothing, and credit card travel
Speaker 4: insurance is basically an insurance policy that you get which
Speaker 4: is included with the premiums of your credit card. It's
Speaker 4: a very big misconception that every single credit card will
Speaker 4: come with a travel insurance policy. So make sure you're
Speaker 4: not just assuming you're actually looking into it. And also
Speaker 4: I think we need to really tap into the fact
Speaker 4: that if that's why you're getting a credit card, I
Speaker 4: mean the points thing aside, you do you work out
Speaker 4: what works for you, because that can be quite lucrative
Speaker 4: for some people, but a credit card in the wrong
Speaker 4: hands can actually be really detrimental. And while this travel
Speaker 4: insurance might be marketed as free or like complementary, these
Speaker 4: policies are typically paid through you around your fees anyway.
Speaker 4: So if you're only signing up for the travel insurance
Speaker 4: and there's a credit card with no fees on it
Speaker 4: that gives you access to points, maybe that might be better,
Speaker 4: and having a standalone policy that you've gone and got
Speaker 4: for that particular trip. So there's a few things that
Speaker 4: I would look at when looking at complementary travel insurance.
Speaker 4: The first thing is a lot of them will exclude
Speaker 4: a lot of things because it's complementary, right. You just
Speaker 4: think of it as like the base level one size
Speaker 4: fits all. Yeah, exactly, it's one size fits all. So
Speaker 4: like if you're going to New Zealand, for example, might
Speaker 4: not include snow sports or something that you want to
Speaker 4: be covered for, so we need to look into that.
Speaker 4: It might not include you driving a vehicle, so it
Speaker 4: might mean that just yep, you're fine to go. But
Speaker 4: also if you drive it's nil and voyage it might
Speaker 4: not cover up to the amount of cover that you
Speaker 4: want to have. Your luggage is worth ten thousand dollars
Speaker 4: and maybe they only cover up to two thousand dollars
Speaker 4: for luggage if in that circumstance that your luggage gets lost,
Speaker 4: that's actually a very big difference, right, And these things
Speaker 4: add up, right, Like if I said, oh, Beck, your
Speaker 4: your bag could be worth ten grand, You'll be like,
Speaker 4: no v, it's not.
Speaker 2: I promise you. All of those things add up, from
Speaker 2: the expensive jumpers you might own, to your iPhone.
Speaker 4: To chargers, like all these things really add up. And
Speaker 4: if you're anything like Mistress Gricci, you don't go anywhere
Speaker 4: without your dice and air wrap.
Speaker 2: Now that's easy eight hundred bucks these days.
Speaker 6: And you don't travel light either, So no, even if
Speaker 6: you're clothed, you know, average you have forty to fifty dollars.
Speaker 6: If you've got ten of those, that's already.
Speaker 2: Five hundred bucks. It's not even how much they cost
Speaker 2: you to buy.
Speaker 4: Because you might go and get a good T shirt,
Speaker 4: really great quality, you've saved up for it, but then
Speaker 4: you found it on sale. If you have to replace
Speaker 4: that here now because you have no clothes anymore, like,
Speaker 4: that's going to usually be a higher premium.
Speaker 2: Don't get me started on.
Speaker 4: The people like me who are very invested in their
Speaker 4: skincare and makeup routines. I don't want to think about
Speaker 4: how much my makeup bag costs me Like that makes
Speaker 4: me a little bit sick.
Speaker 2: But there's a few things that.
Speaker 4: We need to take into consideration, right, So if you
Speaker 4: went and got a standalone policy, more often than not,
Speaker 4: they might be underwritten by an underwriter, and most credit
Speaker 4: card policies, like they're underwritten by the same companies that
Speaker 4: you would go and get a policy from, but they're
Speaker 4: more of a group policy and they have less bells
Speaker 4: and whistles. You could say, you might not, as we
Speaker 4: said before, be covered for any of the activities you
Speaker 4: want to do. So as I said, skiing or driving
Speaker 4: or you know, going on a scooter in Bali, Like
Speaker 4: there are so many things it might actually cost you
Speaker 4: more than a standalone policy. So like your annual credit
Speaker 4: card fees, let's say it's four hundred bucks and you're
Speaker 4: going on a trip to Bali for ten days, your
Speaker 4: insurance at a good quality insurance is very likely to
Speaker 4: be less than four hundred dollars. And if you're only
Speaker 4: going on one holiday a year, but you're paying for
Speaker 4: the credit card to get the travel insurance, that's actually
Speaker 4: a money loss because the intention actually cost you more
Speaker 4: money than actually you know, working it all out. But
Speaker 4: then there are also exclusions of different countries, so you
Speaker 4: might look at your policy and go, I really want
Speaker 4: to go to the US not included. So it just
Speaker 4: pays to do your research. Am I saying it's the worst,
Speaker 4: absolutely not. It might work really well for you, but
Speaker 4: from my perspective, I'm the type of person who likes
Speaker 4: super comprehensive travel insurance. We did that episode recently on
Speaker 4: the Cost of Care with my friend Rhann and Tracy,
Speaker 4: who became a quadriplegic after diving into a pool in Bali,
Speaker 4: Stone Cold. Sobash was just having a nice holiday with
Speaker 4: her mum and it ended up costing hundreds of thousands
Speaker 4: of dollars just to get her home. Obviously, there's a
Speaker 4: whole heap of lifetime costs that I'm not going to
Speaker 4: go into, but if she had the wrong insurance policy,
Speaker 4: that could have cost her family hundreds of thousands of dollars.
Speaker 4: As I've said before, I do not believe in going
Speaker 4: on a holiday without travel insurance. And if you say
Speaker 4: you can't afford it, from my perspective, you cannot afford
Speaker 4: to go on holiday, end of story. Like I just think,
Speaker 4: if you're not going to get it back, then you
Speaker 4: shouldn't be going on that holiday. It's me as somebody
Speaker 4: in the position where I have seen this happen far
Speaker 4: too many times because I used to live in the
Speaker 4: insurance world. It breaks my heart and it's just for
Speaker 4: me a non negotiable. So I just think we need
Speaker 4: to make sure that you have a look at the
Speaker 4: cost benefits and work out what that means. And the
Speaker 4: best way you can do that is go, Okay, cool,
Speaker 4: I'm going to go work out what a standalone policy
Speaker 4: would actually include and make sure that I'm ticking all
Speaker 4: the boxes that are important to me with my credit
Speaker 4: card insurance. But from my perspective as someone who has
Speaker 4: historically had a credit card, I've actually gone and gotten
Speaker 4: standalone travel insurance in addition because it just wasn't enough.
Speaker 6: And if you want more information about the things you
Speaker 6: should think about, we did a whole episode last year
Speaker 6: called Talking Travel Insurance where we got really in depth
Speaker 6: about the things you want to think about, the little
Speaker 6: bits and pieces that I feel like the everyday person
Speaker 6: like us wouldn't consider if we hadn't spoken to someone
Speaker 6: about it.
Speaker 4: Alex, I want to make sure you're in the best
Speaker 4: possible position. It's not a silly question at all. You
Speaker 4: just don't know until you get told. So I think,
Speaker 4: from my perspective, go and have a look, because, to
Speaker 4: be honest, to some credit cards you come with a
Speaker 4: very very good travel insurance. But you'd have to review
Speaker 4: the policy and make sure that that works for you,
Speaker 4: because every single person is different.
Speaker 2: Very well said, thank you.
Speaker 4: I feel like I'm on a rant today, Like you
Speaker 4: know those rant vibes that I end up getting Jess.
Speaker 2: Like, I just go, oh my god. All right, so
Speaker 2: you want to talk about credit card travel insurance?
Speaker 5: Sit down?
Speaker 6: Well, I feel like this week's community question is really
Speaker 6: just going to light a fire under that.
Speaker 4: Oh I'm so sorry, Please still love me. It's not
Speaker 4: my fault that I just go rogue. I get excited
Speaker 4: because I just want you guys to be in the
Speaker 4: best possible position, and I really really do promise.
Speaker 6: All right, Well, tell us what did this week's community
Speaker 6: member have to say?
Speaker 4: Hey, girls, love the pod and would appreciate a hand.
Speaker 4: I've been with my boyfriend for three years now. We
Speaker 4: don't live together, but it's in discussions. I have one
Speaker 4: major thing that's stopping me. His lack of financial literacy
Speaker 4: and desire to get a full time job scares me.
Speaker 4: I'm really set and have big goals and plans that
Speaker 4: I would love to involve him in. However, here he
Speaker 4: works around three shifts a week at a gym. He
Speaker 4: doesn't seem to care about finding full time work, and
Speaker 4: whenever I try and tell him, wouldn't the extra cash
Speaker 4: be good, he just doesn't seem to care. There's three
Speaker 4: question marks after that. I also feel like he doesn't
Speaker 4: have any motivation to earn or save money to be
Speaker 4: able to go on holidays together, which upsets me sometimes
Speaker 4: as it's something I would love to do. He got
Speaker 4: a bit of inheritance that I feel like he really
Speaker 4: relies on, but I'm worried he will blink and it'll
Speaker 4: all be gone. I'm struggling to see a future with us.
Speaker 4: So when we have such different money, golts and values,
Speaker 4: do you have any advice?
Speaker 5: I feel like I'm going to be a black sheep
Speaker 5: here because I can see everyone's face and I know
Speaker 5: that I'm going to have a different opinion.
Speaker 6: I think you're going to be on your team, to
Speaker 6: be honest, do you think so?
Speaker 2: Okay?
Speaker 5: Well, I'm just going to say that for a large
Speaker 5: portion of my life, probably even still to this day,
Speaker 5: my focus is living and I was trying to get
Speaker 5: to a point in my life where I would be
Speaker 5: making enough to just exist, and then I would be
Speaker 5: doing everything that I love outside of work, seeing friends
Speaker 5: laying in the grass, lang in the sun.
Speaker 2: I don't care.
Speaker 5: You know what if you guys follow back on Insta,
Speaker 5: you know she actually genuinely does that a lot friends
Speaker 5: to lay in the grass. That's all I do, and
Speaker 5: that's like, that's my priority. And some people's priority is like,
Speaker 5: you know, working, getting a full time job and saving
Speaker 5: money and reaching all these financial goals. I totally get that,
Speaker 5: and I actually really respect that.
Speaker 2: I don't.
Speaker 5: I think you maybe either have that passion that drive
Speaker 5: or or you don't, but you can you can gain that,
Speaker 5: of course, But I think that some people have different
Speaker 5: priorities in life, and you can be so excited to
Speaker 5: just live outside of work.
Speaker 4: I agree, you know, I agree. I think you're going
Speaker 4: to be really surprised. I think Jess and I are
Speaker 4: on the same page about this as well. Jess, do
Speaker 4: you want to give your opinion and then I'll give mine?
Speaker 6: Yeah, No, I think I can say I produce analysa
Speaker 6: IVI other side of the table being like, no red flag.
Speaker 6: I agree with you, but it's different priorities. I think
Speaker 6: the thing here is that you have to go okay,
Speaker 6: like is the difference in priority is an issue for
Speaker 6: me because I think as someone who definitely falls into
Speaker 6: the more driven category. You know, if you feel like
Speaker 6: somebody is compromising those goals, is that going to put
Speaker 6: a strain on your relationship? And I guess you have
Speaker 6: to weigh up how much you love this person, how
Speaker 6: much they fill your cup in other ways, because obviously
Speaker 6: there is much more that someone can contribute to a
Speaker 6: relationship than just finances. So I think what you have
Speaker 6: to do is kind of go, Okay, I'm allowed to
Speaker 6: be upset or I'm allowed to be uncomfortable with the
Speaker 6: fact that we have such different viewpoints on something as
Speaker 6: significant as money, and you have to decide is that
Speaker 6: going to be a deal breakup? Because the way that
Speaker 6: I kind of look at relationships is, in an ideal world,
Speaker 6: if you're in a monogamous relationship, you guys are going
Speaker 6: to be together and you're going to be each other's
Speaker 6: rock for the next sixty to ninety years of your life.
Speaker 6: Like we're shooting for one hundred years. Yeah, Like you're
Speaker 6: going to be able to see for a long long time.
Speaker 6: And I think if there are things that feel big now,
Speaker 6: they're probably going to continue to feel big for the
Speaker 6: duration of your relationship, and do you want to be
Speaker 6: sitting on something like that for another sixty years? How
Speaker 6: is that going to make you feel? Because it has
Speaker 6: the potential to undermine that relationship. Yes, your partner could change,
Speaker 6: Yes you could change. You know, nobody's entirely inflexible. But if,
Speaker 6: as you said, it does come down to I like
Speaker 6: X and you like why and neither of us want
Speaker 6: to change, then is that going to be a problem
Speaker 6: long term?
Speaker 4: I genuinely couldn't agree more. I think our producer has
Speaker 4: thrown this one in here because she thought it did
Speaker 4: start a fight between us, and maybe we'll get to
Speaker 4: a fight in our dms, like when we get people's responses.
Speaker 4: But from my perspective, money doesn't have to be the
Speaker 4: biggest thing in a relationship. To me, it's important to
Speaker 4: have a level of financial literacy. If your partner is,
Speaker 4: you know, wasting money and getting you in debt, like,
Speaker 4: that's a different story than him not having money as
Speaker 4: a main priority, right. And I think if we changed
Speaker 4: this narrative, like, pretend it's my husband writing this letter
Speaker 4: and it's him being so upset that I don't engage
Speaker 4: with him on his favorite hobby, golf.
Speaker 2: Like Victoria.
Speaker 4: I've been with her for eight years and ome gosh,
Speaker 4: we live together and she just still.
Speaker 5: Doesn't come to golf with me. She won't engage with
Speaker 5: golf with me. She doesn't care when I go to golf.
Speaker 5: She stays at home, sleeps in Like I think that's lazy,
Speaker 5: you know what I mean? If we reframe that, he's
Speaker 5: just got different values than me, and that's okay. I
Speaker 5: am wildly passionate about financial literacy, and I'm assuming that
Speaker 5: because you listen to our content, you are too.
Speaker 2: That's so beautiful.
Speaker 4: Have an open, honest conversation with your partner because it
Speaker 4: could go back to what you're talking about. Beck just
Speaker 4: doesn't want to work his life away.
Speaker 2: Yeah, there are a lot of people.
Speaker 4: In that circumstance where they don't want to do the
Speaker 4: nine to five Monday to Friday grind.
Speaker 2: And do you know what that should actually be?
Speaker 4: Okay, it's not an expectation, like where did that even
Speaker 4: come from?
Speaker 2: Why is that how we are expected to live our lives.
Speaker 4: I think obviously having a level of financial litch receives
Speaker 4: something that everybody deserves.
Speaker 2: Whether you want to know, do.
Speaker 4: Heaps of saving goals and pop up your saving chart
Speaker 4: on the fridge, and you know, work towards holidays, Like
Speaker 4: have you actually talked to your partner about what holidays mean?
Speaker 4: Because Beck, let's just like, look at you and Jess,
Speaker 4: Jess obsessed with travel, Like I think she would use
Speaker 4: her last dollar to go on a holiday, Like genuinely,
Speaker 4: travel is, from my perspective, something that she really really values.
Speaker 2: Yeah, I don't think you care that much.
Speaker 4: I think you just want freedom to go and get
Speaker 4: a bagel in the morning. And if I said is
Speaker 4: it in Italy, you'd be like, oh, I mean, that'd
Speaker 4: be all right.
Speaker 5: But have you seen the place down the street, place
Speaker 5: on Sydney Road in BRUNSWI got that's where I want
Speaker 5: to be.
Speaker 2: But do you know what I mean?
Speaker 4: We've all got different values and he might just not
Speaker 4: have the same values as you. And you're right, Jess,
Speaker 4: maybe we need to have a conversation about what that
Speaker 4: looks like. And if you are really passionate and wild
Speaker 4: about travel, is that partner the right partner for you?
Speaker 2: I guess is the question.
Speaker 4: I don't think someone should have to change significantly to
Speaker 4: be in a relationship Obviously being on the same page
Speaker 4: when it comes to money is really important. But I
Speaker 4: also don't think that your partner should compromise his lifestyle
Speaker 4: to commit to a lifestyle that you want, because that's
Speaker 4: then compromising his wants and his needs and his values.
Speaker 4: And you don't think that we should do that too
Speaker 4: much in a relationship. Like, at the end of the day,
Speaker 4: relationships are all about compromise. We need to come to
Speaker 4: some agreement, and not everybody is always going to get
Speaker 4: one hundred percent what they want because that's not how
Speaker 4: life works. But if his value set is so different
Speaker 4: to yours, maybe we talk about whether that relationship is
Speaker 4: sustainable in the long term, or we talk about other
Speaker 4: ways in which you could feel fulfilled. Can you go
Speaker 4: on holidays with your girlfriends? Is that something where maybe
Speaker 4: instead of going with your partner, you go, well, I
Speaker 4: really do want to go to Italy, Honey, how about
Speaker 4: I go ask Jess if she wants.
Speaker 2: To come with me?
Speaker 4: And Jess and I are going to go July next year.
Speaker 4: He might go, yeah, right, have fun, do you know
Speaker 4: what I mean? Like, we all have different value sets,
Speaker 4: and I think that that's actually okay. Absolutely I do
Speaker 4: agree that's why you thought the conversation we'll go, But
Speaker 4: I did not.
Speaker 5: I really thought you guys would be on the opposite
Speaker 5: end of that. So I'm I'm kind of stoked you're
Speaker 5: kind of stoked. Yeah, I'm kind of stoked with this.
Speaker 4: I'm a bit disappointed that you thought that we would
Speaker 4: be like ye. But we did ask the community a
Speaker 4: few things. So we said, have you experienced something like
Speaker 4: this with your significant other? Thirty eight percent of you
Speaker 4: said yes, sixty two percent said no. We then said,
Speaker 4: if yes, do you find it puts a strain on
Speaker 4: your relationship? So this is just the people saying like, yeah,
Speaker 4: we have you know, experienced something like this with my partner.
Speaker 4: Ninety three percent of people said yeah, it does put
Speaker 4: a strain on a relationship. Only seven percent of you
Speaker 4: said no. I'd love to talk to the seven percent
Speaker 4: where they're like, I've experienced that in my relationship, but
Speaker 4: also doesn't put strain on my relationship. M how please
Speaker 4: share with us. I feel like we've got a lot
Speaker 4: to learn from you. We then said, have you ever
Speaker 4: been in a relationship that ended due to difference in
Speaker 4: financial goals or values? Forty five percent of you said yes,
Speaker 4: that's a lot right to me. That's a really big
Speaker 4: segment of the community that has been in a relationship
Speaker 4: that's ended because you couldn't get on the same page
Speaker 4: when it comes to money. And that's important though, that's
Speaker 4: really important.
Speaker 6: Yeah, I think it's it's hard because you go, well,
Speaker 6: where do you weigh it up? And everyone's going to
Speaker 6: land differently. Some people might be like, you know what,
Speaker 6: I can let it go, and I can I'm happy
Speaker 6: to compromise, and for other people they're like, no, like
Speaker 6: my way or the highway, and both of those are
Speaker 6: totally fine. But it's just fitting that into the relationship
Speaker 6: that you have and figuring out what that I suppose
Speaker 6: means for you and your partner.
Speaker 1: Yeah.
Speaker 4: We also then ask the community, well, give us your
Speaker 4: two cents and here are some of those comments. So
Speaker 4: someone said, have a good chat mental health problems, maybe
Speaker 4: any willing lists to change.
Speaker 2: If not wild to think or that is fit me.
Speaker 4: Yep. Someone else said this onn will get chat. Do
Speaker 4: not move in with this man. He is a child
Speaker 4: who will drain your time, energy and resources.
Speaker 2: Oh my days. If you're going to talk to.
Speaker 4: Me about a man child, hear me out I feel like,
Speaker 4: to me, the definition of a man child is someone
Speaker 4: who doesn't clean up after themselves and expects you to
Speaker 4: act like their mother and do their laundry and do
Speaker 4: all of that stuff. What if he just doesn't want
Speaker 4: to go to work and do a nine to five
Speaker 4: monthed Friday job because he happens to have hobbies that
Speaker 4: he's passionate about and would like to engage in those instead,
Speaker 4: and has found a way in his part time work
Speaker 4: to make enough money that he can make that choice.
Speaker 2: Yeah, is that not sick? That is pretty sick.
Speaker 4: That's not a man child to me, No, like a
Speaker 4: man child will be my partner doesn't do anything he
Speaker 4: calls me mum, do you know what I mean?
Speaker 1: Like?
Speaker 6: Yeah, I think as well. We don't have enough information yet,
Speaker 6: So I feel like the other thing is does he
Speaker 6: you know, can he within his budget as you you know,
Speaker 6: you've just said, maybe he has enough to like afford
Speaker 6: what he wants to do. Can he afford to for
Speaker 6: you guys to go out to dinner together and to
Speaker 6: split the bill? Can he afford to go one date night?
Speaker 6: If you're there are things I guess in a relationship
Speaker 6: that all of time do sometimes cost money. And if
Speaker 6: he's covering his living expenses, that's awesome. But if he
Speaker 6: can't cover I guess those additional things again, is that
Speaker 6: going to be an issue?
Speaker 4: Someone else said, sometimes people are really good for you,
Speaker 4: but for a season they aren't on the same journey
Speaker 4: as you. Long term, that's much nicer, that's much nice.
Speaker 4: Such so to put it, someone said, different financial goals
Speaker 4: and values reflect a difference in overall values, especially if
Speaker 4: there's not going to be any compromise.
Speaker 2: I feel like that's good.
Speaker 4: Someone else said, leave him. Your values do not align.
Speaker 4: People seem like they're very firmly aggressive. Yeah, one way
Speaker 4: or the other.
Speaker 2: Yeah, I agree with that.
Speaker 5: I think that the values thing, the last one you
Speaker 5: read out is very black and white. Yeah, you're values
Speaker 5: in align. You guys can break up if you want to.
Speaker 5: But leaving this guy because he's maybe you know, not
Speaker 5: got the same financial goals, I don't know that seem
Speaker 5: to be mean.
Speaker 4: I also just I feel like there's this unnecessary pressure
Speaker 4: or expectation that everybody should be career motivated.
Speaker 2: Yeah, everybody should want to be the best of the
Speaker 2: best and earn the most.
Speaker 4: And I just I don't agree like, I think there's
Speaker 4: something really sexy, genuinely about someone who's just like, nah,
Speaker 4: live in my life. Like I envy the way that
Speaker 4: you go love my life, love this, got enough money
Speaker 4: to do that, Gonna go lay in the grass and
Speaker 4: have a sick time like that.
Speaker 2: Is that is to me? Goals like that is so cool.
Speaker 4: And I don't think we give enough respect to people
Speaker 4: who just know themselves so well.
Speaker 2: They're like, I don't want to do that. Yeah, totally.
Speaker 5: I think if you're not leaching off of someone else,
Speaker 5: if you're just like living your own life, you're never
Speaker 5: borrowing money, you're never needing from anyone else, You're just
Speaker 5: living your own life. Do that however you want to
Speaker 5: do that. You know, whether that's working one day or
Speaker 5: five days or seven.
Speaker 4: Days, you can still have the life that you want
Speaker 4: with a partner that might not be on the same
Speaker 4: journey if that's the compromise that you want to make.
Speaker 4: And as I said before, you could travel without them.
Speaker 4: You could you know, save up for things without them,
Speaker 4: Like you don't need a man like you. A man
Speaker 4: is not a financial plan. We've talked about this before,
Speaker 4: Like you can do whatever you want. I'm not going
Speaker 4: to read out a lot of the other comments because,
Speaker 4: to be honest, I felt like they were quite judgmental
Speaker 4: this week. And I'm all about sharing honest, open opinions,
Speaker 4: but I just feel like calling someone a man child
Speaker 4: consistently and saying leave him and being like, no, he's
Speaker 4: a dead beat man, rah rah. Like I just I
Speaker 4: think that's a level of judgment that we need to
Speaker 4: really reflect on, because at no point in that listener
Speaker 4: question did they say that they weren't contributing to the
Speaker 4: household and you know, paying their way. At no point
Speaker 4: did they say that they're putting additional financial pressure on
Speaker 4: the partner that had different financial goals. Like, from my perspective,
Speaker 4: it's kind of cool to be in a different situation
Speaker 4: than somebody else, and like, I happen to be in
Speaker 4: a relationship where my partner and I are both really
Speaker 4: career focused, Like we are both exactly on the same page.
Speaker 4: One of my best friends, her entire life goal was
Speaker 4: to get to the point where she was married and
Speaker 4: could have a baby and become a state home mum.
Speaker 4: That was her job, that was exactly, that was her goals,
Speaker 4: that was her career.
Speaker 2: She's done it. I'm so stoked for her.
Speaker 4: I have another friend who works part time and basically
Speaker 4: she's like Beck, like just once to vibe.
Speaker 2: I love that.
Speaker 4: She's one of my favorite humans in the entire world
Speaker 4: because she just knows herself so well. Those are the
Speaker 4: people I want to surround myself with. Like a career call,
Speaker 4: your job doesn't define you. We've talked about that before,
Speaker 4: and when it does, you're really boring, Like genuinely, like
Speaker 4: if I went to parties and talked to people, well,
Speaker 4: I work, you suck.
Speaker 5: Yeah. Yeah, that's a very good point. Also, she didn't
Speaker 5: mention if he treats so well, the kind.
Speaker 2: Of funniest human in the entire.
Speaker 5: World, what he's like wants to be a stay at
Speaker 5: home partner.
Speaker 2: What if he's just.
Speaker 5: The nicest human and the most respectful person you've ever met.
Speaker 2: He just vibes. Yeahstly that helps. Are we done here?
Speaker 6: I think we are.
Speaker 2: I feel like I've ranted enough. I told you I
Speaker 2: was in aroundy mood. I told you I loved every second.
Speaker 2: Thank you for letting me rant. Beck. We need to
Speaker 2: take a leaf out of your book. Let's go lay
Speaker 2: in the grass.
Speaker 4: Let's see you on Monday, My loves have the best
Speaker 4: weekend ever.
Speaker 2: Bye, ye bye.
Speaker 4: The advice shared on She's on the Money is general
Speaker 4: in nature and does not consider your individual circumstances. She's
Speaker 4: on the Money exists purely for educational purposes and should
Speaker 4: not be relied upon to make an investment or financial decision.
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