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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. She's on the Money.

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Speaker 3: She's on the Money.

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Speaker 2: Hello, and welcome to She's on the Money, the podcast

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Speaker 2: for millennials who want financial freedom. Welcome back to another

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Speaker 2: one of our episodes of Money Diaries, where I get

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Speaker 2: the absolute privilege of sitting down with one of our

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Speaker 2: beautiful She's on the Money community members and talk to

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Speaker 2: them all about their journey. Let's jump straight into it,

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Speaker 2: because this week I got a message and it sounded

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Speaker 2: like this, Hi Ve. I grew up in a very

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Speaker 2: low socioeconomic single parent home and always had to be

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Speaker 2: very independent in life and finances. Now at twenty nine.

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Speaker 2: I have a degree, work as a singer, songwriter and

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Speaker 2: freelancer in social media, PR journalism, marketing, and have backpacked

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Speaker 2: to forty four plus countries, usually for four months every year.

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Speaker 2: What a dream. In twenty twenty four, I'm planning more

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Speaker 2: travel and to buy a house with my partner. We've

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Speaker 2: been long distance for five years. I'm not perfect or rich,

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Speaker 2: but my number one priority is flexibility in independence, and

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Speaker 2: I would love to share my story. What that's so cool?

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Speaker 4: Thank you.

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Speaker 2: Let's start the show as I always do. What grade

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Speaker 2: would you give your money habits if I asked you

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Speaker 2: to give them a grade from A through to F.

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Speaker 5: I thought long and hard about this. I'm very proud

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Speaker 5: of like how far I've come, but I still think

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Speaker 5: I've got a long way to go, especially some of

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Speaker 5: the goals that I've set myself in the future. So

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Speaker 5: I'm sitting on a C plus at the moment.

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Speaker 2: Oh is C plus? Let's learn more about that. But first,

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Speaker 2: I feel like you have a super interesting money story,

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Speaker 2: so let's dive in. Can you tell me more about it?

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Speaker 4: Sure?

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Speaker 5: Yeah, I said of my intro, I grew up in

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Speaker 5: a really low socioeconomic country, upbringing in a little, tiny

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Speaker 5: two bedroom house with a single mom, and you know,

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Speaker 5: it was a very basic like no TV, no broadband,

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Speaker 5: no phone reception, like really just basic living.

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Speaker 2: Were we And how old are you now?

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Speaker 4: I've just ten thirty, right, perfect?

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Speaker 5: And yeah, my mum was like an amazing mother, but

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Speaker 5: she just didn't have a lot of the skills herself

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Speaker 5: when it came to like mindset or finances and things

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Speaker 5: like that to instill some of the in us that

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Speaker 5: I've had to learn along the way. So I think

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Speaker 5: a lot of my childhood was in like that real

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Speaker 5: survival mode financially, and then I guess that really pushed

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Speaker 5: me to become very independent from an early age. So

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Speaker 5: I started working my first job at eleven.

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Speaker 4: Eleven, Yeah, I was just a baby. I was assembling

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Speaker 4: hundreds of these little window washers. Yeah.

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Speaker 5: And then got my first like normal job at fourteen

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Speaker 5: when I was legally able to, and then worked my

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Speaker 5: way up until I finished school.

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Speaker 4: Moved out really quickly at seventeen as soon as I.

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Speaker 5: Finished school and moved to the city, and then all

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Speaker 5: through that that time, I'd started building on becoming a

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Speaker 5: musician because that was what I wanted to do. So

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Speaker 5: I started gigging professionally at around fifteen, and as I

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Speaker 5: started to bring in a bit of income from that

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Speaker 5: and also work my other job, I was able to

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Speaker 5: pay for my own school fees and all of my

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Speaker 5: extracurricular stuff. Everything that I needed to pay for was

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Speaker 5: from my bank account basically, except for food and rent

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Speaker 5: and stuff from my mum.

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Speaker 4: I actually was very lucky kind of through my life.

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Speaker 5: After I finished school and even towards the end of

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Speaker 5: high school, I had like these really close family friends

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Speaker 5: of mine who were our neighbors growing up, and they

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Speaker 5: really instilled a lot of really different mindsets into me.

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Speaker 5: And they were actually the first people who took me

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Speaker 5: traveling at sixteen with their family, and that helped me

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Speaker 5: fall in love with traveling.

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Speaker 2: Oh wow, how cool is that?

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Speaker 5: Yeah, really big step in my journey. And then yeah,

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Speaker 5: so seventeen, moved out to home, started working. Thought I

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Speaker 5: was going to like hit it big, you know, working

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Speaker 5: a real big, grown up job, and then was on

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Speaker 5: like nine dollars thirty an hour in retail.

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Speaker 4: It was so depressing.

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Speaker 5: You do feel like it's big at that point, right,

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Speaker 5: you do, But like looking back, you know, forty hours

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Speaker 5: a week for four hundred dollars.

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Speaker 2: You just go, wow, where are those people now who

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Speaker 2: are willing to accept that? Because like, we would have

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Speaker 2: a bigger business if that was the case.

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Speaker 4: I think everyone would hit no, yeah, we all we'll

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Speaker 4: be working hard.

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Speaker 5: And then I basically had a big shake up at nineteen.

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Speaker 5: A lot of stuff happened in my life and that

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Speaker 5: really made me like reconsider what I was doing with myself.

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Speaker 5: And that's when I really started going into music a

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Speaker 5: lot more fully and started gigging solo, which made it

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Speaker 5: a lot easier for me to pick up a lot

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Speaker 5: of gigs. And I also started studying as well, so

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Speaker 5: I did bachelor's in communications, majoring in journalism and public relations,

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Speaker 5: and I did that all online as well, through open universities,

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Speaker 5: So that was really easy to fit around all my

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Speaker 5: other jobs that I was doing and traveling and stuff

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Speaker 5: as well.

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Speaker 2: How good is that? How did you find open universities?

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Speaker 2: While I was studying, there a few people doing like

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Speaker 2: the OUA stuff through the same course that I was doing,

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Speaker 2: and I'd never heard of it before, and now I'm

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Speaker 2: like the biggest fan.

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Speaker 5: It's hard to say because I've never done a degree

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Speaker 5: in person. So I don't know what the difference in,

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Speaker 5: you know, the education.

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Speaker 2: Part of it is not much as someone who went

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Speaker 2: to r MIT and had people in the same class

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Speaker 2: doing OUA and I was like, wait, it's the same.

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Speaker 5: Yeah, I guess. The only thing for me was like

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Speaker 5: that it is quite isolating. So you know, everyone has

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Speaker 5: these really good relationships that they formed through UNI and

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Speaker 5: like experiences that they had and long holidays and stuff,

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Speaker 5: whereas the OUA was, you know, less subjects at a time,

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Speaker 5: but you never had any holidays.

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Speaker 4: So I did two subjects at a.

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Speaker 5: Time, but for semester zy, so it was just back

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Speaker 5: to back to back study.

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Speaker 2: But you got it done, got it done in the

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Speaker 2: three years.

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Speaker 3: Yeah.

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Speaker 5: And then I also, like all of my UNI memories

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Speaker 5: are like working until, you know, three in the morning

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Speaker 5: to finish my assignment and then getting up at five

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Speaker 5: to start a job at an animal shelter that I

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Speaker 5: was working at at the time.

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Speaker 2: Oh my gosh, an animal shelter.

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Speaker 4: I thought you might like, yeah.

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Speaker 2: If nothing, I am predictable, So tell me about that.

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Speaker 2: Because I also saw behind you, which obviously this is

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Speaker 2: an audio podcast, I saw some little ears before and

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Speaker 2: I wanted to interrupt to be like, who's that, But

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Speaker 2: that's not appropriate.

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Speaker 4: Sometimes I'll tell you her name at the end. She's

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Speaker 4: very cute.

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Speaker 5: She's my little tried enjoy dog and she's amazing. But

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Speaker 5: she's from the shelter and I worked there. I volunteered

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Speaker 5: for a year, and then I worked there for three

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Speaker 5: years as an animal attendant with mostly the dogs, which

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Speaker 5: was a really big part. This is around twenty you know,

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Speaker 5: when I was reshuffling, I was studying, I was gigging

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Speaker 5: on the weekends, and I was doing this job at

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Speaker 5: the animal shelter. And it was like an amazing transformative

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Speaker 5: part of my life working there and getting to kind

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Speaker 5: of know all about animal welfare and everything.

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Speaker 4: And so yeah, she was six when I got her.

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Speaker 2: How did you know? Take them all home?

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Speaker 5: I fostered a lot again audio, but you can see

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Speaker 5: the pictures behind me.

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Speaker 4: They're my foster babies, my favorites.

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Speaker 2: I wondered who they were. She's got a beautiful, like

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Speaker 2: gallery wall of pets behind her, and I was like,

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Speaker 2: surely then all hers they were at soboy, how sweet.

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Speaker 5: I urge anyone who loves animals to, you know, go

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Speaker 5: and volunteer at an animal shelter if they have time,

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Speaker 5: because it's such a rewarding part of life to go

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Speaker 5: and like health animals.

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Speaker 2: I adore it. So that was you at twenty, that

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Speaker 2: was me.

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Speaker 4: At twenty did that for a few years.

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Speaker 5: You know, a lot of the time working in that industry,

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Speaker 5: it's common to get kind of a bit of burnout. Yeah,

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Speaker 5: they sometimes they call it compassion fatigue. And it's also

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Speaker 5: very physical. It's all those things. So I was definitely

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Speaker 5: ready to have a bit of a trip. And I'd

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Speaker 5: been at that point, like solo backpacking about a month

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Speaker 5: at a time whenever I could, mostly to Asian countries,

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Speaker 5: and I felt like I was ready when I was

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Speaker 5: about twenty three to go on with as big trips.

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Speaker 4: So I went to Europe for four months.

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Speaker 2: Oh my gosh, and yeah.

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Speaker 5: It was so amazing and like definitely the cheapest budget

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Speaker 5: trip ever.

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Speaker 2: I was about to say, how much should that cost you?

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Speaker 5: I mean, this is why I so wanted to talk

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Speaker 5: to you, because I had such trouble costing up trips

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Speaker 5: when I was talking to people, and I found it

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Speaker 5: like really hard because some people would spend twenty thousand

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Speaker 5: dollars in six weeks and some people would spend five

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Speaker 5: thousand dollars and six weeks, and you're.

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Speaker 4: Like, well, how am I meant to know?

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Speaker 5: So I kept a really detailed list of literally every

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Speaker 5: dollar I spent, and on that trip, I spent eleven

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Speaker 5: and a half thousand dollars for four months, including my flights,

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Speaker 5: my travel insurance, Like every dollar I spent on the

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Speaker 5: trip before or after I left.

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Speaker 2: Tell me, was that like a really frugal trip? Like,

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Speaker 2: obviously it's so hard to cost up. I get it,

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Speaker 2: like any holiday I've ever been on, I'm like trying

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Speaker 2: to benchmarket, but you go against what, like against other

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Speaker 2: people's decisions, Like you were backpacking, Obviously that's a budget

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Speaker 2: friendly option, but like what were you eating? What were

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Speaker 2: you doing during the day? Like how did that work?

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Speaker 5: The first trip to Europe, I used a company called

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Speaker 5: bus About, which will come into the story a bit

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Speaker 5: later actually, and that company is basically like a year

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Speaker 5: hour pass almost all around Europe. I don't think it

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Speaker 5: exists anymore after COVID, but you you basically hop on

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Speaker 5: and off the buses all around Europe and you could

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Speaker 5: just hop on and off every second day.

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Speaker 4: To wherever you wanted.

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Speaker 5: So that pass was like, I don't know, twelve hundred

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Speaker 5: dollars or whatever, but that covered the whole season.

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Speaker 4: Of travel through Europe.

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Speaker 2: Oh wow.

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Speaker 5: And then once you're like dropped off inner city, you

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Speaker 5: just do whatever you want to do. But it's a

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Speaker 5: good way to meet people too, like, because you're on

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Speaker 5: the bus often with other travelers and stuff, and it's

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Speaker 5: pretty social.

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Speaker 4: So I use that half the trip I was actually CouchSurfing.

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Speaker 2: Oh very cool.

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Speaker 5: Yeah, so that was a bit of a different way

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Speaker 5: to do it, staying with strangers on their couches, sometimes

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Speaker 5: in their spare rooms, sometimes on a mattress on the

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Speaker 5: floor whatever.

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Speaker 4: And to me, that's like Airbnb but free.

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Speaker 5: So they would kind of offer up whatever they had

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Speaker 5: and they would tell you, you know, roughly what you'd be

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Speaker 5: sleeping on and where it would be and all that

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Speaker 5: kind of stuff. And you could read all their reviews

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Speaker 5: to make sure they felt safe and reliable and stuff.

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Speaker 2: I was about to say, as a young female, how

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Speaker 2: did you feel comfortable CouchSurfing through a foreign country, because

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Speaker 2: that gives me insane amounts of anxiety.

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Speaker 5: Yeah, I felt very comfortable as long as I could

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Speaker 5: just read the reviews were all very positive. And stuff, like,

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Speaker 5: you know, if they had hundreds of reviews saying that

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Speaker 5: they were the nicest person ever whatever. I felt like

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Speaker 5: very comfortable. But there was a couple that I didn't

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Speaker 5: actually ever stay with, but they looked super dodgy, So

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Speaker 5: you just kind of dodge those. And I think the

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Speaker 5: biggest tip I have for any like solo female backpacker

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Speaker 5: especially is just always have enough money that you never desperate.

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Speaker 4: To stay in a situation.

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Speaker 2: Yeah, so smart.

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Speaker 4: You know.

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Speaker 5: I did have one where I was about to arrive

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Speaker 5: and the guy went like, oh, hey, by the way,

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Speaker 5: I can't find my spam mattress. All good if you

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Speaker 5: sleep in my bed, And I was like, nope, absolutely not.

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Speaker 5: Like I'm booking the first hotel room. I see, that's fine.

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Speaker 2: So worries you're a creep. That's weird, so weird you're

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Speaker 2: giving me the ixer.

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Speaker 4: But everyone else was so nice.

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Speaker 5: I had people that had like Center of Barcelona, whole

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Speaker 5: guest room, my own key to come and go, Like

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Speaker 5: it was amazing, and it was free.

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Speaker 2: That's so wild.

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Speaker 5: Yeah, this beautiful cultural exchange too, because they're doing something lovely.

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Speaker 5: The way that they explained it as hosts was that

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Speaker 5: you were helping them travel when they can't travel themselves.

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Speaker 2: Oh that's so sweet.

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Speaker 5: Yeah, it's like bringing the travelers to them and also

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Speaker 5: getting this excitement about their own city that they don't

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Speaker 5: often have unless someone is coming.

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Speaker 2: Oh that's so sweet. I was literally just thinking in

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Speaker 2: the back of my head, like I wonder what the

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Speaker 2: value exchanged there is, because like, I don't know how

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Speaker 2: comfortable I would be having just random people sleeping in

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Speaker 2: my spare room, but each to their own. And it

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Speaker 2: makes a lot more sense when you're like, oh, they

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Speaker 2: get a lot out of it too. I was like, okay, yeah,

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Speaker 2: that seems legit.

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Speaker 4: Yeah.

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Speaker 5: I think couch theffing maybe isn't the community it used

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Speaker 5: to be. I think it's switched to another platform now

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Speaker 5: that's more what couch theffing used to be, because I

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Speaker 5: think couchsurfing's turned a bit more into Tinder now.

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Speaker 2: No, not ideal.

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Speaker 4: So I did that. I stayed in the hostels.

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Speaker 5: I just traveled super cheaply, you know, walked everywhere, you know,

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Speaker 5: ate out a little bit, but mostly kind of just

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Speaker 5: like cooked at the hostel or whatever. But it allowed

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Speaker 5: me to go for four months through twenty two countries.

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Speaker 5: And have the best time.

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Speaker 2: That is so cool. I can't believe it was only

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Speaker 2: eleven and a half thousand dollars, Like, are you very kidding?

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Speaker 2: So what happened after that? You get back after a

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Speaker 2: four month massive trip?

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Speaker 4: This is wild?

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Speaker 5: So then I got back from that tree. But as

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Speaker 5: I said, it was that travel company bus About. I

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Speaker 5: was back for a few months. Then I went to

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Speaker 5: Hawaii with my partner at the time, and then literally

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Speaker 5: fun out with like four weeks. Notice that bus About

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Speaker 5: had actually chosen me for this like worldwide competition that

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Speaker 5: they put forward.

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Speaker 2: No, they hadn't.

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Speaker 5: Yeah, it was a search for four different content creators

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Speaker 5: to make what they called the ultimate travel Squad.

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Speaker 2: So they like, and you made the squad.

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Speaker 4: I made the squad. So I was put on as

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Speaker 4: the blogger.

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Speaker 5: And then I was sent over with this company to

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Speaker 5: travel for another three and a half months with three

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Speaker 5: strangers a girl from America, two guys from New Zealand.

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Speaker 5: And they sent me on this like all expenses paid

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Speaker 5: them to create content.

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Speaker 2: Ye what how much was that worth? You have to

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Speaker 2: tell me?

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Speaker 4: Well, I guess it would be worth probably about twenty

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Speaker 4: grand or so.

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Speaker 2: It was nicer than CouchSurfing.

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Speaker 5: Yeah, it was a bit of an upgrade for me,

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Speaker 5: and we got paid about fifteen hundred US, and obviously

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Speaker 5: we got like a per dem of about fifty euros

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Speaker 5: a day.

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Speaker 4: I think, or thirty euros a day to fifty dollars.

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Speaker 2: Yeah, but like I would take that to be able

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Speaker 2: to travel. Ye're like yep, norries, oh and I'm getting paid.

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Speaker 4: Yeah, So that allowed me to travel again.

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Speaker 5: So you can imagine after I got back from that,

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Speaker 5: I was like so addicted to traveling and so experienced

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Speaker 5: at that point of like having gone to a lot

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Speaker 5: of Asian countries and a lot of Europe at that point.

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Speaker 5: But then I thought I might as well come back

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Speaker 5: and like finally finish my degree and get into my

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Speaker 5: industry that I've been studying. So I did a little

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Speaker 5: bit of work, and I worked in PR and marketing

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Speaker 5: and social media in like the music and entertainment industries

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Speaker 5: because that's obviously my background. So I started working for free,

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Speaker 5: and then I got my foot in the door with

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Speaker 5: this really great boutique agency and basically worked my way

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Speaker 5: up for a few years, and then COVID came, and.

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Speaker 2: That really doesn't help in that industry, nor does it

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Speaker 2: help you thrive traveling or is the singer no, no, no, no,

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Speaker 2: you're out for the count.

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Speaker 1: Yeah.

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Speaker 5: When they were saying that you felt really like disposable

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Speaker 5: in multiple industries, I was like, yeah, all the industries,

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Speaker 5: I feel very disposable.

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Speaker 2: Yeah, every single one of them.

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Speaker 5: Yes, So COVID came. It was obviously really tough to

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Speaker 5: be any of those industries. I stayed on job keeper

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Speaker 5: with my employer so I could at least continue working.

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Speaker 5: We didn't have the same type of work obviously, there

349
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Speaker 5: weren't any festivals or events or artists touring or anything,

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Speaker 5: but we did some like online coaching and different things

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Speaker 5: to keep busy. Yeah, long story short, that kind of

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00:14:13,440 --> 00:14:16,679
Speaker 5: finished up naturally, and I started my own business. And

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Speaker 5: I also got a bunch of like grant funding around

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Speaker 5: that time too, which is something I want to talk

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Speaker 5: to a lot of the musicians about as well, because

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Speaker 5: that is definitely something that we can harness as artists

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Speaker 5: and as gigs started to pick up and stuff that

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Speaker 5: obviously really helped as well. And there was a lot

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Speaker 5: of like online gigs and things like that as well

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Speaker 5: that sustained musicians through COVID, which was really helpful. But

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Speaker 5: then yeah, started my own business, worked my butt off

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Speaker 5: for quite a while, and I also got this really

363
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Speaker 5: amazing job on a feature film, working really hardcore for

364
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Speaker 5: about a year on a big Hollywood blockbuster that was

365
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Speaker 5: in my area, doing all the social media.

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Speaker 2: Oh how fancy.

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Speaker 5: Yeah that was amazing. Another amazing like bucket list thing

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Speaker 5: that I didn't see.

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Speaker 4: Pop up, so cool.

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Speaker 2: Yeah, yeap.

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Speaker 5: After that, I was very burnt out, and I went

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Speaker 5: again to Europe for four months, and that was a

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Speaker 5: fifteen thousand dollar trip.

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Speaker 4: I did all the costs of that too for you go,

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Speaker 4: and that was.

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Speaker 5: Again just like hostels and yeah, just like doing overnight

377
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Speaker 5: buses and staying with a friend of mine who's over there,

378
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Speaker 5: who like I nanned for her child in France for

379
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Speaker 5: a little while while I was there for a few weeks,

380
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Speaker 5: and that obviously cut out accommodation and everything.

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Speaker 2: Your life is so much more fun than mine.

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Speaker 5: I'm sorry this is a bit long, but like I

383
00:15:25,960 --> 00:15:27,960
Speaker 5: feel like they're all kind of stepping stones to the

384
00:15:28,000 --> 00:15:28,840
Speaker 5: bits and pieces.

385
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Speaker 2: No, this is the best.

386
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Speaker 4: So then that happened. That was an amazing four months trip.

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Speaker 5: And then I got home and I've been yeah, focusing

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Speaker 5: on you know, music and doing a bunch of like

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Speaker 5: social media freelancing work, which is now what I mostly do.

390
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Speaker 5: And I've also just picked up another thing which is

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00:15:43,960 --> 00:15:46,120
Speaker 5: great as well for artists. I've started doing a bit

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Speaker 5: of like ndis support work.

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Speaker 2: Oh, very cool because it is like.

394
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Speaker 5: The most flexible job out there for people who need

395
00:15:54,120 --> 00:15:56,320
Speaker 5: like to work during the day because obviously a lot

396
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Speaker 5: of musicians used to work in hospitality, but that is

397
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Speaker 5: a lot of the time on nights and weekends, so

398
00:16:01,680 --> 00:16:03,400
Speaker 5: it's never really worked for me to work in and

399
00:16:03,440 --> 00:16:04,880
Speaker 5: so I found this this is like a really great

400
00:16:04,880 --> 00:16:06,600
Speaker 5: means to an End's cool.

401
00:16:06,760 --> 00:16:09,640
Speaker 2: And you get to like enjoy the time. And I

402
00:16:09,680 --> 00:16:12,280
Speaker 2: am making a grand assumption having spoken to you for

403
00:16:12,320 --> 00:16:15,480
Speaker 2: what the last twenty minutes, that would nourish you a lot,

404
00:16:15,560 --> 00:16:18,120
Speaker 2: having come from like an animal shelter and been this

405
00:16:18,200 --> 00:16:20,520
Speaker 2: really empathetic human being, I just feel like you would

406
00:16:20,520 --> 00:16:21,160
Speaker 2: love that role.

407
00:16:21,640 --> 00:16:22,200
Speaker 4: It was great.

408
00:16:22,240 --> 00:16:24,320
Speaker 5: I really really enjoy it and it was such a

409
00:16:24,320 --> 00:16:26,640
Speaker 5: good Yeah, I thing to find that also gets me

410
00:16:26,640 --> 00:16:29,240
Speaker 5: off a computer because again that like burnout through a

411
00:16:29,280 --> 00:16:32,200
Speaker 5: lot of like my own freelance work alongside this FETA

412
00:16:32,240 --> 00:16:34,600
Speaker 5: film job was just screens. Literally from the moment I

413
00:16:34,600 --> 00:16:36,240
Speaker 5: work up to the moment I went to sleep door

414
00:16:36,320 --> 00:16:39,000
Speaker 5: and that was so draining. So having this where you're

415
00:16:39,040 --> 00:16:41,680
Speaker 5: like out and about in the community and it's very

416
00:16:41,720 --> 00:16:43,600
Speaker 5: human focused and it's very enriching.

417
00:16:43,680 --> 00:16:44,560
Speaker 4: I really enjoy it.

418
00:16:44,560 --> 00:16:47,040
Speaker 5: It's not like my forever career, but I really love

419
00:16:47,080 --> 00:16:48,960
Speaker 5: it as a supplement to all the other things that I.

420
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Speaker 2: Do one hundred percent. So now you've started during business,

421
00:16:53,320 --> 00:16:56,760
Speaker 2: you're doing six million things. You have the most colorful life.

422
00:16:56,920 --> 00:16:58,920
Speaker 2: I love it. I want to ask you about your income,

423
00:16:59,040 --> 00:17:01,880
Speaker 2: but I'm real pervy too. You said in your letter

424
00:17:02,000 --> 00:17:04,800
Speaker 2: in that you've been long distance with your partner, which

425
00:17:04,880 --> 00:17:06,960
Speaker 2: is very, very exciting. You want to buy a house

426
00:17:06,960 --> 00:17:10,199
Speaker 2: together and clearly settled down. How did you meet your

427
00:17:10,200 --> 00:17:12,080
Speaker 2: partner and how did you get away with all of

428
00:17:12,119 --> 00:17:14,560
Speaker 2: these massive trips without them?

429
00:17:15,480 --> 00:17:18,960
Speaker 4: We actually met, really cute story. We met on that

430
00:17:19,080 --> 00:17:20,119
Speaker 4: trip over in Europe.

431
00:17:20,160 --> 00:17:22,480
Speaker 2: I was hoping you would say something like that.

432
00:17:23,000 --> 00:17:24,919
Speaker 5: Yes, he was friends with some of the people I

433
00:17:24,960 --> 00:17:27,840
Speaker 5: got paired with. So we met in Holland, and yeah,

434
00:17:27,840 --> 00:17:30,919
Speaker 5: our story started over there. But he's wonderful and he

435
00:17:31,160 --> 00:17:33,320
Speaker 5: because he's in healthcare, he actually prefers to go and

436
00:17:33,359 --> 00:17:36,040
Speaker 5: work regionally, so he's like the kind of only one

437
00:17:36,040 --> 00:17:37,879
Speaker 5: in town rather than one of many in a city,

438
00:17:38,119 --> 00:17:41,000
Speaker 5: even though he's not from Australia. Originally we've been long distance,

439
00:17:41,040 --> 00:17:43,800
Speaker 5: mostly within Australia, but he's been in these regional areas

440
00:17:43,840 --> 00:17:45,760
Speaker 5: and obviously COVID then did not help because we just

441
00:17:45,760 --> 00:17:47,240
Speaker 5: couldn't see each other for like six months at a

442
00:17:47,280 --> 00:17:49,520
Speaker 5: time with border closures and stuff. But yeah, so it's

443
00:17:49,560 --> 00:17:51,520
Speaker 5: actually allowed me to travel a lot of Australia to

444
00:17:51,560 --> 00:17:53,879
Speaker 5: be with him. Often being so regional, it was cheaper

445
00:17:53,880 --> 00:17:57,000
Speaker 5: to go somewhere else, like maybe meet in Cambodia or

446
00:17:57,080 --> 00:17:59,240
Speaker 5: somewhere else than go to his place. So we've done

447
00:17:59,240 --> 00:18:01,520
Speaker 5: a lot of traveling to get and he's very accepting

448
00:18:01,560 --> 00:18:03,879
Speaker 5: of my independence and life.

449
00:18:03,960 --> 00:18:04,240
Speaker 4: Yeah.

450
00:18:04,560 --> 00:18:07,119
Speaker 2: How good. I was like, how did this work? Because,

451
00:18:07,119 --> 00:18:09,679
Speaker 2: like you said, you had a partner. She's pointing at

452
00:18:09,680 --> 00:18:13,280
Speaker 2: her engagement ring, which I obviously noticed because low key

453
00:18:13,400 --> 00:18:16,680
Speaker 2: it's massive, and so now you're getting married and buying

454
00:18:16,720 --> 00:18:17,439
Speaker 2: a house together.

455
00:18:18,080 --> 00:18:18,880
Speaker 4: Yeah that's the plan.

456
00:18:19,240 --> 00:18:22,439
Speaker 2: How cute? So tell me. Obviously we know you do

457
00:18:22,520 --> 00:18:26,440
Speaker 2: some NDIS support worker stuff. You're obviously a singer songwriter

458
00:18:26,560 --> 00:18:28,960
Speaker 2: and a freelancer in social media. How much money are

459
00:18:29,000 --> 00:18:30,080
Speaker 2: you earning for all of this?

460
00:18:30,760 --> 00:18:34,080
Speaker 5: Okay, so it's quite variable obviously because of COVID and

461
00:18:34,200 --> 00:18:35,639
Speaker 5: traveling and all that kind of stuff.

462
00:18:35,680 --> 00:18:37,360
Speaker 4: So I broke it down as a singer songwriter.

463
00:18:37,520 --> 00:18:39,240
Speaker 5: I kind of have my day job version of that,

464
00:18:39,320 --> 00:18:41,560
Speaker 5: which is like the typical cover gigs where I do

465
00:18:41,640 --> 00:18:44,200
Speaker 5: play my original music, but it's like at bars, restaurants,

466
00:18:44,320 --> 00:18:46,479
Speaker 5: music venus and stuff. Corporate stuff is quite a big

467
00:18:46,560 --> 00:18:48,840
Speaker 5: money earner in that. And then there's the original side,

468
00:18:48,840 --> 00:18:51,760
Speaker 5: which is like you know, the artist side of releasing

469
00:18:51,800 --> 00:18:53,840
Speaker 5: and grants and all that kind of stuff. Yeah, the

470
00:18:53,840 --> 00:18:57,080
Speaker 5: PR marketing social media side is mostly freelance and occasionally

471
00:18:57,119 --> 00:18:59,840
Speaker 5: contracts work like within a business, and then they're just

472
00:19:00,000 --> 00:19:01,520
Speaker 5: ability is like thirty two dollars an.

473
00:19:01,400 --> 00:19:05,399
Speaker 4: Hour roughly casual. So I usually earn between sixty to

474
00:19:05,440 --> 00:19:06,760
Speaker 4: one hundred thousand dollars a year.

475
00:19:07,119 --> 00:19:08,840
Speaker 2: Oh that's variable, hey.

476
00:19:09,119 --> 00:19:11,080
Speaker 4: Very variable. And that's like twenty twenty one.

477
00:19:11,080 --> 00:19:14,399
Speaker 5: Obviously, with COVID it was like fifty five thousand, roughly

478
00:19:14,440 --> 00:19:17,359
Speaker 5: half half music and half of my other freelance work.

479
00:19:17,680 --> 00:19:20,879
Speaker 5: Twenty one twenty two was one hundred and fifteen thousand.

480
00:19:21,200 --> 00:19:25,280
Speaker 5: That was sixty thousand music and then again roughly half half.

481
00:19:25,560 --> 00:19:28,119
Speaker 2: I love that as a singer songwriter, you're earning a

482
00:19:28,240 --> 00:19:31,080
Speaker 2: good wage too, like sixty grand to do what you

483
00:19:31,160 --> 00:19:33,840
Speaker 2: love like. Ah, that makes me so happy because so

484
00:19:33,960 --> 00:19:37,480
Speaker 2: many times people who you know are in that space,

485
00:19:37,600 --> 00:19:40,720
Speaker 2: they earn nothing, and they don't get the I guess

486
00:19:40,920 --> 00:19:43,320
Speaker 2: credit that they deserve and all the work that they deserve.

487
00:19:43,400 --> 00:19:46,760
Speaker 2: And there's this expectation in that industry that you'll work

488
00:19:46,760 --> 00:19:49,679
Speaker 2: for free, right, and it's ridiculous.

489
00:19:50,080 --> 00:19:50,960
Speaker 4: Yeah, don't get me wrong.

490
00:19:51,000 --> 00:19:53,359
Speaker 5: I have definitely done my gigs for either free or

491
00:19:53,480 --> 00:19:55,280
Speaker 5: like literally silver start somewhere.

492
00:19:55,520 --> 00:19:55,720
Speaker 4: Yeah.

493
00:19:55,760 --> 00:19:58,920
Speaker 5: I think that now, diversifying through like the kind of

494
00:19:59,080 --> 00:20:01,320
Speaker 5: day job side and and the original artist side is

495
00:20:01,359 --> 00:20:02,119
Speaker 5: really important to me.

496
00:20:02,160 --> 00:20:04,000
Speaker 4: And a lot of artists have their own opinions on that.

497
00:20:04,080 --> 00:20:05,840
Speaker 5: But for me, if I'm going to work a day

498
00:20:05,880 --> 00:20:08,320
Speaker 5: job anyway, why wouldn't it be playing a gig anyway?

499
00:20:08,400 --> 00:20:11,000
Speaker 2: Yeah, and getting some exposure, getting some more experience doing

500
00:20:11,040 --> 00:20:12,280
Speaker 2: something you love, Like.

501
00:20:12,359 --> 00:20:14,679
Speaker 5: I honestly see that as paid practice, And why wouldn't

502
00:20:14,680 --> 00:20:15,199
Speaker 5: I just do that?

503
00:20:15,280 --> 00:20:15,439
Speaker 4: You know?

504
00:20:15,640 --> 00:20:16,160
Speaker 2: I love it?

505
00:20:16,520 --> 00:20:19,119
Speaker 5: Okay, So twenty two twenty three, I earned just like

506
00:20:19,160 --> 00:20:21,879
Speaker 5: around sixty thousand. Almost all that was music, but I

507
00:20:21,920 --> 00:20:23,320
Speaker 5: did travel for five months.

508
00:20:23,440 --> 00:20:25,520
Speaker 2: Oh yeah, that does get in the way of earning

509
00:20:25,520 --> 00:20:26,480
Speaker 2: an income, I've heard.

510
00:20:26,680 --> 00:20:27,000
Speaker 4: Yeah.

511
00:20:27,040 --> 00:20:29,840
Speaker 5: And then this year though, I've made about thirty five

512
00:20:29,880 --> 00:20:31,840
Speaker 5: thousand in the first four months, which is when I

513
00:20:31,880 --> 00:20:33,880
Speaker 5: calculated this, So I'm on track for about ninety.

514
00:20:33,640 --> 00:20:34,280
Speaker 4: Thousand this year.

515
00:20:34,359 --> 00:20:35,320
Speaker 2: Oh very nice.

516
00:20:35,880 --> 00:20:38,760
Speaker 4: Yeah, so that's a bit of a mix of everything. Really.

517
00:20:38,800 --> 00:20:41,200
Speaker 5: That was twenty thousand music, five and a half thousand

518
00:20:41,280 --> 00:20:43,520
Speaker 5: of the NDAs work, and then four thousand freelance.

519
00:20:43,840 --> 00:20:47,280
Speaker 2: How good. Such a perfey breakdown as well. Thank you.

520
00:20:47,400 --> 00:20:48,240
Speaker 2: I really appreciate it.

521
00:20:48,240 --> 00:20:49,000
Speaker 4: I thought you'd enjoy it.

522
00:20:49,080 --> 00:20:52,280
Speaker 2: I don't love it, you said in your letter in

523
00:20:52,440 --> 00:20:54,760
Speaker 2: obviously you're planning to buy a house. You didn't tell

524
00:20:54,760 --> 00:20:58,000
Speaker 2: me that you were engaged, though, So tell me a

525
00:20:58,040 --> 00:21:00,720
Speaker 2: bit more about these big money goals are we currently

526
00:21:00,760 --> 00:21:01,639
Speaker 2: working towards.

527
00:21:02,119 --> 00:21:04,880
Speaker 5: So I've got a fair bit of savings. I've got

528
00:21:04,920 --> 00:21:06,119
Speaker 5: about I don't know if you want me to go

529
00:21:06,119 --> 00:21:07,040
Speaker 5: into this already, but.

530
00:21:07,119 --> 00:21:09,600
Speaker 2: If you're willing to share what's in your savings account,

531
00:21:09,640 --> 00:21:10,680
Speaker 2: we are all listening.

532
00:21:11,280 --> 00:21:14,160
Speaker 5: So I've got about like forty six thousand in savings.

533
00:21:14,440 --> 00:21:16,960
Speaker 2: How are you doing this you money with it, like

534
00:21:17,000 --> 00:21:19,919
Speaker 2: you're doing all these troops, you're earning epic income like

535
00:21:20,160 --> 00:21:22,800
Speaker 2: twenty two to twenty three. Oh no, Biggie made sixty

536
00:21:22,840 --> 00:21:26,359
Speaker 2: grand traveled for five months, like you are living the dream.

537
00:21:27,000 --> 00:21:29,119
Speaker 5: Well, I was gonna say in my Best Money Habits section,

538
00:21:29,200 --> 00:21:31,560
Speaker 5: but like I honestly just think it's about like working

539
00:21:31,640 --> 00:21:34,560
Speaker 5: really really hard when you're home and living really cheaply,

540
00:21:34,640 --> 00:21:37,400
Speaker 5: and then traveling really cheaply, And that's how I do it. Yeah,

541
00:21:37,400 --> 00:21:39,280
Speaker 5: I mean I am obviously lucky when it comes to

542
00:21:39,400 --> 00:21:42,560
Speaker 5: loans and things. My partner is a healthcare professional working regionally,

543
00:21:42,600 --> 00:21:45,480
Speaker 5: so he and I would be eligible for a higher

544
00:21:45,640 --> 00:21:47,080
Speaker 5: ability to get a mortgage.

545
00:21:47,080 --> 00:21:49,360
Speaker 4: I think through his opportunity.

546
00:21:48,800 --> 00:21:51,080
Speaker 2: You're probably gonna not have to pay l amine. You

547
00:21:51,119 --> 00:21:54,360
Speaker 2: would probably get a mortgage for a ten percent deposit,

548
00:21:54,400 --> 00:21:55,480
Speaker 2: which is very sexy.

549
00:21:55,840 --> 00:21:57,919
Speaker 4: Yes, that's what we've listening to. Obviously.

550
00:21:57,960 --> 00:22:00,520
Speaker 5: That's an advantage from just being with him, although caveat

551
00:22:00,680 --> 00:22:02,480
Speaker 5: he was totally broken and we got together so.

552
00:22:03,200 --> 00:22:04,760
Speaker 2: Well, you've got a thing or two to teach it.

553
00:22:04,840 --> 00:22:07,320
Speaker 5: We built that up together, like we've built this up

554
00:22:07,359 --> 00:22:09,480
Speaker 5: from the ground up for the last six years, adore.

555
00:22:09,640 --> 00:22:12,760
Speaker 5: So there's forty six thousand dollars of savings. I've got

556
00:22:13,400 --> 00:22:16,800
Speaker 5: about three thousand dollars kind of in my various other accounts,

557
00:22:16,840 --> 00:22:18,720
Speaker 5: and I've got a tax account where I just put

558
00:22:18,720 --> 00:22:20,960
Speaker 5: like thirty percent of any invoice that I haven't already

559
00:22:20,960 --> 00:22:21,480
Speaker 5: paid tax on.

560
00:22:21,520 --> 00:22:22,160
Speaker 2: It's so smart.

561
00:22:22,200 --> 00:22:24,040
Speaker 5: Through the NDAES, I go through an agency, so they

562
00:22:24,040 --> 00:22:26,280
Speaker 5: take tax out already, but everything else I just put

563
00:22:26,280 --> 00:22:27,040
Speaker 5: thirty percent away.

564
00:22:27,119 --> 00:22:29,879
Speaker 2: Especially in a gig economy, having that account is so

565
00:22:30,040 --> 00:22:33,399
Speaker 2: smart because so many of us just forget it or

566
00:22:33,480 --> 00:22:35,600
Speaker 2: say we'll do it later. And then tax time comes

567
00:22:35,640 --> 00:22:38,880
Speaker 2: and you're like so overwhelmed, so anxious and crippled because

568
00:22:38,880 --> 00:22:40,480
Speaker 2: you're like, well, where am I going to get this money?

569
00:22:40,880 --> 00:22:41,560
Speaker 4: Well, and that's the thing.

570
00:22:41,600 --> 00:22:43,680
Speaker 5: I never used to think about it, and so I'd

571
00:22:43,720 --> 00:22:45,200
Speaker 5: kind of look at my savings and be like, wow,

572
00:22:45,200 --> 00:22:46,920
Speaker 5: I've got all this money. Who And then I'd get

573
00:22:46,960 --> 00:22:49,000
Speaker 5: my tax bill and I'd be like, oh, crap, there's

574
00:22:49,040 --> 00:22:50,880
Speaker 5: ten thousand dollars taken out already or whatever.

575
00:22:50,920 --> 00:22:53,480
Speaker 2: It is, So well lucky you had it in savings.

576
00:22:53,800 --> 00:22:56,520
Speaker 2: So many people don't have it in savings. They just

577
00:22:56,560 --> 00:22:58,560
Speaker 2: spend it and then go, oh, oh, now I've got

578
00:22:58,560 --> 00:23:01,000
Speaker 2: a tax debt I can't pay, and that just gives

579
00:23:01,040 --> 00:23:02,000
Speaker 2: me mad anxiety.

580
00:23:02,840 --> 00:23:04,800
Speaker 5: I think that comes from my upbringing though, like I'm

581
00:23:05,240 --> 00:23:07,720
Speaker 5: terrified of living week to week. I live very below

582
00:23:07,920 --> 00:23:10,359
Speaker 5: my means, and you know, even all the travel and

583
00:23:10,359 --> 00:23:12,960
Speaker 5: stuff is very cheap and thought out. Also, while I

584
00:23:13,000 --> 00:23:15,240
Speaker 5: go away, I sustain my whole life at home. So

585
00:23:15,280 --> 00:23:16,680
Speaker 5: I have a dog, I have my rent that I'm

586
00:23:16,680 --> 00:23:19,120
Speaker 5: still paying, my car, my phone bill, everything still gets

587
00:23:19,119 --> 00:23:21,520
Speaker 5: paid for at home, as well as me traveling, so

588
00:23:21,560 --> 00:23:23,640
Speaker 5: I'm not like packing up and going and having nothing

589
00:23:23,680 --> 00:23:24,040
Speaker 5: at home.

590
00:23:24,240 --> 00:23:27,040
Speaker 2: Oh my gosh. So you've got some savings, you're planning

591
00:23:27,040 --> 00:23:29,520
Speaker 2: on purchasing a home? Any other big money goals?

592
00:23:29,920 --> 00:23:32,160
Speaker 4: Yes? Just a trip overseas again this year.

593
00:23:32,320 --> 00:23:35,000
Speaker 2: I didn't see that coming from me. Travele. Wow.

594
00:23:35,320 --> 00:23:36,480
Speaker 4: Yeah, because it was my thirtieth.

595
00:23:36,480 --> 00:23:39,760
Speaker 5: My partner has actually gifted me the flights, so that's our.

596
00:23:40,000 --> 00:23:42,840
Speaker 2: Oh thank you, sir, What a good present.

597
00:23:43,480 --> 00:23:46,280
Speaker 4: He knows how to win me over for sure. I

598
00:23:46,359 --> 00:23:46,600
Speaker 4: like it.

599
00:23:46,640 --> 00:23:48,440
Speaker 2: Maybe you should consider marrying him.

600
00:23:48,800 --> 00:23:51,040
Speaker 4: I think, I say, yes, yeah, yeah, yeah, okay.

601
00:23:50,760 --> 00:23:52,520
Speaker 2: Great, let's go to a really quick break. On the

602
00:23:52,520 --> 00:23:55,119
Speaker 2: flip side. I want to know more about your investments,

603
00:23:55,119 --> 00:23:57,919
Speaker 2: your thoughts, on debt and your best and worst money habits.

604
00:23:57,920 --> 00:24:04,760
Speaker 2: So don't go anywhere, all right, money diris. So we

605
00:24:04,880 --> 00:24:07,280
Speaker 2: are back and I want to know your thoughts on investing.

606
00:24:07,320 --> 00:24:09,719
Speaker 2: I feel like you've got so much going on at

607
00:24:09,720 --> 00:24:12,000
Speaker 2: the moment. So if you said, oh, I haven't thought

608
00:24:12,040 --> 00:24:14,000
Speaker 2: about it, I'd be like, yeah, cause you've got six

609
00:24:14,040 --> 00:24:17,040
Speaker 2: million things on. But what are your thoughts on investments?

610
00:24:17,280 --> 00:24:20,280
Speaker 2: If you're investing already, what in? And if you're not investing,

611
00:24:20,320 --> 00:24:21,040
Speaker 2: do you have a plan?

612
00:24:21,960 --> 00:24:22,240
Speaker 4: Yeah?

613
00:24:22,280 --> 00:24:25,080
Speaker 5: So that's something that I definitely marked myself down on

614
00:24:25,160 --> 00:24:28,160
Speaker 5: because I think even my mindset around investing is very

615
00:24:28,600 --> 00:24:29,240
Speaker 5: scaredy cat.

616
00:24:29,680 --> 00:24:32,920
Speaker 2: So that's okay, we all start there, I promise.

617
00:24:33,040 --> 00:24:34,840
Speaker 5: Like it really does kind of terrify me to put

618
00:24:34,880 --> 00:24:36,760
Speaker 5: my money into something that I could lose. Even buying

619
00:24:36,760 --> 00:24:39,000
Speaker 5: a property, it's taken a lot of convincing on my

620
00:24:39,040 --> 00:24:40,960
Speaker 5: partner's behalf to be like, let's just do it, you know.

621
00:24:41,440 --> 00:24:43,160
Speaker 5: So that's something that I don't have a lot of

622
00:24:43,200 --> 00:24:45,720
Speaker 5: money in, Like I have my super I don't have

623
00:24:45,760 --> 00:24:47,480
Speaker 5: a lot of super And that's another thing I marked

624
00:24:47,480 --> 00:24:48,000
Speaker 5: myself down on.

625
00:24:48,040 --> 00:24:49,440
Speaker 4: I've only got like eleven thousand.

626
00:24:49,720 --> 00:24:51,600
Speaker 2: Sorry, you're in the gig economy.

627
00:24:51,920 --> 00:24:53,919
Speaker 5: Yeah, but I don't pay myself super. That's something that

628
00:24:53,920 --> 00:24:54,760
Speaker 5: I need to get into.

629
00:24:54,960 --> 00:24:57,240
Speaker 2: Yeah, I was about to say, we probably need to

630
00:24:57,240 --> 00:25:00,320
Speaker 2: talk about being self employed and paying ourselves super. But

631
00:25:00,359 --> 00:25:03,040
Speaker 2: also you're not that far behind. Lots of people are

632
00:25:03,080 --> 00:25:04,119
Speaker 2: in that circumstance.

633
00:25:04,680 --> 00:25:04,840
Speaker 4: Well.

634
00:25:04,880 --> 00:25:07,080
Speaker 5: I also, and don't judge me for this. I got

635
00:25:07,080 --> 00:25:09,000
Speaker 5: some bad advice during COVID and I actually did pull

636
00:25:09,040 --> 00:25:11,600
Speaker 5: out twelve thousand. Probably didn't need to at the time,

637
00:25:11,640 --> 00:25:13,159
Speaker 5: like it would have probably gone a lot further had

638
00:25:13,160 --> 00:25:15,400
Speaker 5: I left it in, but I didn't know any better,

639
00:25:15,520 --> 00:25:16,760
Speaker 5: so I pulled it out at the time.

640
00:25:16,880 --> 00:25:19,240
Speaker 2: So that's so fine. I feel like so many of

641
00:25:19,320 --> 00:25:21,640
Speaker 2: us did that. And also when you're like no judgment,

642
00:25:21,680 --> 00:25:23,560
Speaker 2: I'm like, when have I ever judged people and their

643
00:25:23,560 --> 00:25:26,880
Speaker 2: money behaviors? Like if I laid all mine out, you'd

644
00:25:26,920 --> 00:25:30,920
Speaker 2: be like, oh, pot calling kettle black, No worries. I

645
00:25:30,960 --> 00:25:33,439
Speaker 2: didn't do that, But I've done some money things that

646
00:25:33,480 --> 00:25:35,480
Speaker 2: I'm not so proud of. In hindsight, I.

647
00:25:35,440 --> 00:25:37,520
Speaker 4: Hadn't started listening to you very much at that point,

648
00:25:37,520 --> 00:25:40,040
Speaker 4: I guess. Yeah, so I got that.

649
00:25:40,080 --> 00:25:42,320
Speaker 5: And then I've just got small assets like my car,

650
00:25:42,359 --> 00:25:44,840
Speaker 5: my music equipment, which is worth like several thousand dollars

651
00:25:44,880 --> 00:25:47,080
Speaker 5: but no heats. And then I've got like little tiny

652
00:25:47,119 --> 00:25:48,920
Speaker 5: bits of money. I think I put five hundred dollars

653
00:25:48,920 --> 00:25:51,919
Speaker 5: into again crypto when someone told me to, and I

654
00:25:51,920 --> 00:25:54,000
Speaker 5: think I've got like one hundred dollars in the chaisias,

655
00:25:54,040 --> 00:25:56,320
Speaker 5: and so I don't really put much thought into those things.

656
00:25:56,480 --> 00:25:58,960
Speaker 2: Oh see, you are investing, like.

657
00:25:59,040 --> 00:26:02,600
Speaker 4: Oh, but literally enough yet so not consistently okay.

658
00:26:02,280 --> 00:26:04,800
Speaker 2: But like one hundred dollars in charesis is so much

659
00:26:04,840 --> 00:26:07,240
Speaker 2: more than most people who say they're a scaredy cat

660
00:26:07,320 --> 00:26:10,000
Speaker 2: about investing. I like that you've taken the first step,

661
00:26:10,000 --> 00:26:13,120
Speaker 2: You're on a platform, You're slowly starting to educate yourself.

662
00:26:13,160 --> 00:26:15,920
Speaker 2: Those little steps they end up being the big steps,

663
00:26:15,960 --> 00:26:18,719
Speaker 2: because even just like getting on a platform, putting your

664
00:26:18,760 --> 00:26:21,639
Speaker 2: first dollar in, like it's massive, but like you're on

665
00:26:21,680 --> 00:26:23,960
Speaker 2: the way, you'll get there when you're more comfortable.

666
00:26:24,119 --> 00:26:25,920
Speaker 4: It's something than's on my mind for sure.

667
00:26:25,960 --> 00:26:28,359
Speaker 5: And again, listening to all the resources and things that

668
00:26:28,359 --> 00:26:30,160
Speaker 5: you put out every week, I definitely feel like I'm

669
00:26:30,160 --> 00:26:32,760
Speaker 5: getting more educated and comfortable with it.

670
00:26:32,880 --> 00:26:36,760
Speaker 2: So a doore now question? Do you have any debt?

671
00:26:37,320 --> 00:26:37,520
Speaker 4: No?

672
00:26:37,520 --> 00:26:39,280
Speaker 5: None, I've never had a credit card, I've never had

673
00:26:39,280 --> 00:26:42,479
Speaker 5: a loan or a personal family loan or anything like that.

674
00:26:42,560 --> 00:26:45,359
Speaker 5: So that's something I've just again been very afraid of.

675
00:26:45,440 --> 00:26:47,200
Speaker 5: I've never wanted to put myself in that position.

676
00:26:47,680 --> 00:26:51,359
Speaker 2: And what is your best money habit? I feel like

677
00:26:51,480 --> 00:26:53,320
Speaker 2: I know where we're going with this, but I need

678
00:26:53,359 --> 00:26:53,600
Speaker 2: to know.

679
00:26:54,119 --> 00:26:55,520
Speaker 5: Okay, I hope you don't mind, but I just like

680
00:26:55,560 --> 00:26:56,919
Speaker 5: would love to share a few when it comes to

681
00:26:56,920 --> 00:26:59,560
Speaker 5: travel and music as well. Just a really specific so

682
00:26:59,880 --> 00:27:02,639
Speaker 5: I think in general, my best at like op shopping

683
00:27:02,720 --> 00:27:05,720
Speaker 5: and secondhand first always. So yeah, I would say ninety

684
00:27:05,760 --> 00:27:09,359
Speaker 5: five percent of my closet and things I own a secondhand.

685
00:27:09,160 --> 00:27:11,760
Speaker 4: And I love that, like I love secondhand shopping. I

686
00:27:11,800 --> 00:27:12,600
Speaker 4: live in a sharehouse.

687
00:27:12,680 --> 00:27:14,719
Speaker 5: My rent is really really cheap, which means I can

688
00:27:14,760 --> 00:27:16,560
Speaker 5: sustain it while I'm away because I don't have the

689
00:27:16,600 --> 00:27:19,119
Speaker 5: option of moving home and putting stuff at home or

690
00:27:19,119 --> 00:27:21,399
Speaker 5: anything that's not like a liberty of mine. So and

691
00:27:21,440 --> 00:27:23,760
Speaker 5: then I also meal prep. I like never eat out

692
00:27:23,800 --> 00:27:26,879
Speaker 5: or get takeaway or anything. And I'm just like hustling

693
00:27:26,920 --> 00:27:28,720
Speaker 5: all the time, like I'm always just like networking and

694
00:27:28,800 --> 00:27:31,120
Speaker 5: keeping an ear out for opportunities and deals and things

695
00:27:31,160 --> 00:27:33,320
Speaker 5: like that. I've got quite a few for travel, So

696
00:27:33,359 --> 00:27:37,160
Speaker 5: one is like traveling to more affordable countries Eastern Europe, Asia,

697
00:27:37,280 --> 00:27:39,320
Speaker 5: like places that are you're going to put your dollars

698
00:27:39,359 --> 00:27:43,000
Speaker 5: a lot further. Recently, I really loved signing up for

699
00:27:43,040 --> 00:27:45,879
Speaker 5: the newsletters for different companies because that's where you always

700
00:27:45,880 --> 00:27:46,919
Speaker 5: find out the best deals.

701
00:27:47,200 --> 00:27:49,520
Speaker 4: So just to like blow your mind a little bit,

702
00:27:49,560 --> 00:27:50,160
Speaker 4: like I went to.

703
00:27:50,160 --> 00:27:54,400
Speaker 5: Bali last year for a whole week flights, accommodation and

704
00:27:54,920 --> 00:27:58,000
Speaker 5: breakfast included, and it was five hundred and fifty dollars.

705
00:27:58,080 --> 00:28:01,080
Speaker 2: No, it wasn't. It was No, you're making up what

706
00:28:01,119 --> 00:28:04,000
Speaker 2: newsletter is date Jetstar Okay. I was about to say

707
00:28:04,080 --> 00:28:06,320
Speaker 2: you cannot gatekeep and be like, oh, just sign up

708
00:28:06,320 --> 00:28:08,040
Speaker 2: for newsletters. Hopefully you'll get the deal of a.

709
00:28:08,080 --> 00:28:10,159
Speaker 4: Light starle no gatekeeping, all right.

710
00:28:10,040 --> 00:28:12,840
Speaker 2: All right, onwards and upwards? What was your next tip?

711
00:28:13,160 --> 00:28:14,720
Speaker 5: And yeah, saying with that, I went on a cruise

712
00:28:14,720 --> 00:28:16,520
Speaker 5: as well for seven hundred and fifty dollars each for

713
00:28:16,560 --> 00:28:18,600
Speaker 5: ten days, everything included what.

714
00:28:18,840 --> 00:28:21,600
Speaker 2: Like it would have been like full food, drink everything.

715
00:28:21,320 --> 00:28:25,280
Speaker 5: Yeah, three course sit down meals like all the four islands, everything,

716
00:28:25,320 --> 00:28:26,080
Speaker 5: seven to fifty each.

717
00:28:26,160 --> 00:28:28,680
Speaker 2: Yeah, Oh my gosh, I've never been on a cruise

718
00:28:29,040 --> 00:28:33,280
Speaker 2: as somebody who you've done lots of like traveling, which

719
00:28:33,400 --> 00:28:36,160
Speaker 2: I feel like is really independent travel, like you pick

720
00:28:36,160 --> 00:28:38,040
Speaker 2: your schedule. What was it like to be on a

721
00:28:38,040 --> 00:28:40,480
Speaker 2: cruise ship for ten days? Was it fun?

722
00:28:40,600 --> 00:28:41,880
Speaker 4: I didn't think I would like it.

723
00:28:42,120 --> 00:28:43,960
Speaker 2: Yeah, See, I feel like i'd feel trapped.

724
00:28:44,440 --> 00:28:45,600
Speaker 4: Yeah. I didn't think i'd like it.

725
00:28:45,640 --> 00:28:47,640
Speaker 5: And I thought also I maybe wouldn't be the clientele

726
00:28:47,680 --> 00:28:48,880
Speaker 5: on the boat, if you know what I'm saying. I

727
00:28:48,880 --> 00:28:52,080
Speaker 5: thought I might be the younger demographic. But I did

728
00:28:52,120 --> 00:28:54,160
Speaker 5: actually really enjoy it with my partner, and the people

729
00:28:54,200 --> 00:28:56,320
Speaker 5: in the islands were incredible, Like we made very close

730
00:28:56,320 --> 00:28:58,120
Speaker 5: connections with some beautiful locals.

731
00:28:58,200 --> 00:28:59,080
Speaker 4: That was really special.

732
00:28:59,120 --> 00:29:01,560
Speaker 5: But my partner and I were actually like even more

733
00:29:01,800 --> 00:29:03,440
Speaker 5: excited by at the end of that trip because I

734
00:29:03,520 --> 00:29:05,440
Speaker 5: then got to go back on that same cruise again

735
00:29:05,520 --> 00:29:07,520
Speaker 5: like four weeks later, because I got asked to sing

736
00:29:07,560 --> 00:29:10,440
Speaker 5: with the blues band. No you didn't, Yeah, So we

737
00:29:10,440 --> 00:29:12,920
Speaker 5: were like frothing these blues players that were amazing on

738
00:29:12,960 --> 00:29:14,360
Speaker 5: the ship and then yeah, I got up and did

739
00:29:14,360 --> 00:29:15,640
Speaker 5: a few songs with them, and then they're like, come

740
00:29:15,640 --> 00:29:17,400
Speaker 5: back to this cruise in four weeks.

741
00:29:17,640 --> 00:29:22,880
Speaker 2: So, oh, my gosh. So when money diarists, you say,

742
00:29:22,960 --> 00:29:25,560
Speaker 2: I'm always hustling always, like even on holidays.

743
00:29:25,560 --> 00:29:28,680
Speaker 4: She hustling, Yeah, she hustling. Okay.

744
00:29:28,720 --> 00:29:30,760
Speaker 5: And then another one is like if you have flexibility,

745
00:29:30,760 --> 00:29:32,240
Speaker 5: which obviously I do and I know a lot of

746
00:29:32,280 --> 00:29:34,959
Speaker 5: people in like full time don't. But skyscanner, you can

747
00:29:35,040 --> 00:29:37,960
Speaker 5: just search flights to anywhere, like it's called like flight

748
00:29:38,040 --> 00:29:39,920
Speaker 5: roulette if you want to look up specifically how to

749
00:29:39,960 --> 00:29:40,160
Speaker 5: do it.

750
00:29:40,240 --> 00:29:43,120
Speaker 2: I do want to look up to that, so thank you.

751
00:29:43,440 --> 00:29:45,160
Speaker 5: So you just basically look in like where you want

752
00:29:45,160 --> 00:29:47,120
Speaker 5: to go from and then do anywhere, and it will

753
00:29:47,120 --> 00:29:49,840
Speaker 5: show like the cheapest places and which times of year

754
00:29:49,840 --> 00:29:51,680
Speaker 5: and all that kind of stuff to go to. That's

755
00:29:51,680 --> 00:29:53,800
Speaker 5: always helpful if you literally have no idea, like in

756
00:29:53,880 --> 00:29:55,920
Speaker 5: Europe when I had no plan, I would be looking

757
00:29:56,000 --> 00:29:57,600
Speaker 5: up like just where's the cheapest place to get to

758
00:29:57,640 --> 00:29:58,600
Speaker 5: and I go from there?

759
00:29:58,880 --> 00:30:01,880
Speaker 2: Oh how cool? Also really fun.

760
00:30:01,960 --> 00:30:03,479
Speaker 4: Yeah, it is pretty fun. You never know where you're

761
00:30:03,480 --> 00:30:04,480
Speaker 4: gonna end up. I ended up in.

762
00:30:04,400 --> 00:30:06,440
Speaker 2: Morocco, so oh my god.

763
00:30:06,480 --> 00:30:07,480
Speaker 4: That well, okay.

764
00:30:07,480 --> 00:30:09,600
Speaker 5: And then overnight buses when you're traveling are great for

765
00:30:09,680 --> 00:30:13,360
Speaker 5: saving on accommodation and travel and also like baggage because

766
00:30:13,440 --> 00:30:15,880
Speaker 5: you don't have to pay for extra baggage free walking tours.

767
00:30:15,920 --> 00:30:17,440
Speaker 4: I could not advocate for them enough.

768
00:30:17,480 --> 00:30:20,720
Speaker 2: When you're traveling, I always talk about walking tours, like,

769
00:30:21,040 --> 00:30:23,680
Speaker 2: whenever I get to somewhere new, first thing I do

770
00:30:23,800 --> 00:30:25,800
Speaker 2: is a walking tour to find my feet and find

771
00:30:25,880 --> 00:30:29,800
Speaker 2: what's around, and like, they're always such passionate locals running them.

772
00:30:29,800 --> 00:30:31,120
Speaker 5: And it's a great way to meet people as a

773
00:30:31,120 --> 00:30:33,280
Speaker 5: solo traveler too. But also get all the best tips

774
00:30:33,280 --> 00:30:35,520
Speaker 5: and tricks for saving money. I always carry a water

775
00:30:35,520 --> 00:30:38,040
Speaker 5: bottle when I'm traveling. Saves a heap of money. Staying

776
00:30:38,080 --> 00:30:41,320
Speaker 5: in hostels or like couch surfing or whatever was great. Also,

777
00:30:41,320 --> 00:30:43,040
Speaker 5: if you're gonna eat out and do a fancy meal,

778
00:30:43,080 --> 00:30:44,719
Speaker 5: try and do it at lunch because often you can

779
00:30:44,760 --> 00:30:48,160
Speaker 5: get three courses for like twenty dollars or fifteen dollars

780
00:30:48,240 --> 00:30:49,320
Speaker 5: or whatever is this in Europe?

781
00:30:49,400 --> 00:30:51,720
Speaker 2: Oh yeah, they have their like lunchtime specials.

782
00:30:51,760 --> 00:30:54,200
Speaker 5: Hey yeah, and at night it would be sixty eight dollars.

783
00:30:54,280 --> 00:30:56,200
Speaker 5: So it's so good. You save so much money doing

784
00:30:56,200 --> 00:30:59,080
Speaker 5: it then, and then I use shop back on bookings

785
00:30:59,080 --> 00:30:59,360
Speaker 5: dot com.

786
00:30:59,400 --> 00:31:01,440
Speaker 4: I've gotten quite bit of money back. Who is shot back?

787
00:31:02,680 --> 00:31:04,120
Speaker 5: I was just going to say again, like, always have

788
00:31:04,240 --> 00:31:06,200
Speaker 5: enough money to get out of a pickle, because safety

789
00:31:06,360 --> 00:31:07,880
Speaker 5: is the most important thing when you're traveling.

790
00:31:08,120 --> 00:31:10,200
Speaker 2: I really like that you've put that in. Look, it's

791
00:31:10,240 --> 00:31:13,360
Speaker 2: really really smart. It's you know, something that a lot

792
00:31:13,400 --> 00:31:15,640
Speaker 2: of people say when they're traveling is like, oh, I'm

793
00:31:15,680 --> 00:31:17,440
Speaker 2: on a really strict budget, like I don't have an

794
00:31:17,440 --> 00:31:20,240
Speaker 2: emergency fund. If you can't afford travel insurance and you

795
00:31:20,280 --> 00:31:23,160
Speaker 2: don't have an emergency fund to travel, I genuinely don't

796
00:31:23,160 --> 00:31:25,920
Speaker 2: think you're in the position to financially be able to travel.

797
00:31:26,080 --> 00:31:28,160
Speaker 2: People don't want to hear that, but I think that

798
00:31:28,680 --> 00:31:31,160
Speaker 2: ultimately those are the two things that you need to

799
00:31:31,240 --> 00:31:34,080
Speaker 2: kind of have as your hygiene factors, like, yes, I

800
00:31:34,120 --> 00:31:36,600
Speaker 2: have access to money to get out of any place

801
00:31:36,640 --> 00:31:38,400
Speaker 2: that I don't want to be in because you never

802
00:31:38,480 --> 00:31:41,719
Speaker 2: know where you'll end up. And also travel insurance. If

803
00:31:41,720 --> 00:31:43,720
Speaker 2: you don't have that and you're not looking after yourself,

804
00:31:43,720 --> 00:31:46,920
Speaker 2: you cannot afford to travel. From my perspective, I agree.

805
00:31:46,920 --> 00:31:49,160
Speaker 5: Actually, another thing that I didn't add in but is

806
00:31:49,200 --> 00:31:51,200
Speaker 5: also have a few different cards with a few different

807
00:31:51,240 --> 00:31:53,880
Speaker 5: banks as well, because you just have to have them

808
00:31:53,920 --> 00:31:55,720
Speaker 5: on you and keep them in different places, maybe one

809
00:31:55,720 --> 00:31:57,320
Speaker 5: in the wall that you carry and one in your

810
00:31:57,320 --> 00:32:00,360
Speaker 5: bag you know that's locked away, because sometimes you'll get

811
00:32:00,360 --> 00:32:02,040
Speaker 5: to places in your combank or whatever just will not

812
00:32:02,120 --> 00:32:03,640
Speaker 5: work and you definitely need access.

813
00:32:03,720 --> 00:32:05,480
Speaker 4: And actually recently I've been using Wise.

814
00:32:05,680 --> 00:32:08,480
Speaker 5: It's a really good bank account for traveling, So I'd

815
00:32:08,480 --> 00:32:11,400
Speaker 5: recommend that for anyone wanting to travel between currencies as well.

816
00:32:12,000 --> 00:32:13,680
Speaker 2: How cool do you want a job at? She's on

817
00:32:13,680 --> 00:32:14,920
Speaker 2: the money, you're always hustling.

818
00:32:15,200 --> 00:32:16,960
Speaker 4: I'll take it. I'll take it because feel like you're.

819
00:32:16,880 --> 00:32:19,560
Speaker 2: Full of tips and tricks, Like how good is this?

820
00:32:20,040 --> 00:32:22,360
Speaker 5: That would be fun leaving a podcast interview and then

821
00:32:22,360 --> 00:32:24,560
Speaker 5: getting a job yep, sligh okay?

822
00:32:24,600 --> 00:32:26,480
Speaker 4: And just quickly with music, I play solo.

823
00:32:26,560 --> 00:32:29,000
Speaker 5: It's obviously expensive to have a band, so playing solo

824
00:32:29,080 --> 00:32:30,680
Speaker 5: is a great way to start if you're wanting to

825
00:32:30,760 --> 00:32:33,840
Speaker 5: like start as an artist. Yeah, Now, grants and funding

826
00:32:33,880 --> 00:32:35,160
Speaker 5: are a massive thing. I don't know if you want

827
00:32:35,160 --> 00:32:37,600
Speaker 5: me to go into detail later, but like definitely would

828
00:32:37,600 --> 00:32:39,320
Speaker 5: recommend looking into that as an artist.

829
00:32:39,480 --> 00:32:42,280
Speaker 2: Yeah, totally. I feel like sometimes we forget that these

830
00:32:42,280 --> 00:32:45,280
Speaker 2: things are available. What's your favorite website for learning about

831
00:32:45,360 --> 00:32:48,000
Speaker 2: grants and funding? If you are a musician, there's a.

832
00:32:47,920 --> 00:32:49,040
Speaker 4: Few different tiers of them.

833
00:32:49,120 --> 00:32:51,400
Speaker 5: So first of all, look at your local city council

834
00:32:51,480 --> 00:32:54,120
Speaker 5: arts sector and then look at the state organizations. In

835
00:32:54,200 --> 00:32:57,120
Speaker 5: Queensland it's Key Music or Arts Queensland Music. New South

836
00:32:57,160 --> 00:32:59,320
Speaker 5: Wales is in New South Wales Music Victoria. I don't

837
00:32:59,320 --> 00:33:01,479
Speaker 5: know what the other states, but there'll be one as

838
00:33:01,560 --> 00:33:03,920
Speaker 5: well as there's national ones as well, so like Creative

839
00:33:03,920 --> 00:33:06,240
Speaker 5: Australia or Australian Arts Council. I think they're the same

840
00:33:06,280 --> 00:33:11,400
Speaker 5: thing now. So there's HEAPS and APRA, AMCOSS, Support Act, ABC,

841
00:33:11,560 --> 00:33:13,760
Speaker 5: Triple J. They offer things too, so all of those

842
00:33:13,760 --> 00:33:16,800
Speaker 5: are different, like funding bodies that you can find different

843
00:33:16,880 --> 00:33:19,320
Speaker 5: like yeah, grants, competitions, all sorts of things.

844
00:33:19,480 --> 00:33:22,360
Speaker 2: Yeah, how cool. Oh my gosh, all right, do you

845
00:33:22,480 --> 00:33:26,080
Speaker 2: even have a bad money habit to share heaps? Oh no,

846
00:33:26,120 --> 00:33:27,080
Speaker 2: all right, let's go.

847
00:33:27,440 --> 00:33:30,680
Speaker 5: So I would say shopping when I'm overseas and baggage

848
00:33:30,680 --> 00:33:33,160
Speaker 5: fees are bad. Not being organized with tax every year

849
00:33:33,280 --> 00:33:35,840
Speaker 5: is my biggest gripe for sure. And I would say

850
00:33:35,840 --> 00:33:37,920
Speaker 5: that something that's really changed for me is like a

851
00:33:38,160 --> 00:33:40,880
Speaker 5: working with a tax accountant that specializes in entertainment and

852
00:33:40,960 --> 00:33:43,440
Speaker 5: gig economy, because that actually saved me about twenty thousand

853
00:33:43,440 --> 00:33:46,560
Speaker 5: dollars in tax last financial year because they did a

854
00:33:46,600 --> 00:33:50,080
Speaker 5: tax averaging scheme with me, yes, which is really great

855
00:33:50,080 --> 00:33:51,760
Speaker 5: for people in the gig economy, and that means that

856
00:33:51,800 --> 00:33:53,600
Speaker 5: you can, like you know, not work for a year

857
00:33:53,640 --> 00:33:55,520
Speaker 5: and earn a million dollars the next year and they

858
00:33:55,560 --> 00:33:57,920
Speaker 5: average out over the two years, rather than you being

859
00:33:58,000 --> 00:34:00,440
Speaker 5: charged all that tax in one year one hundred and

860
00:34:00,480 --> 00:34:02,920
Speaker 5: then putting your thirty percent of every invoice into my

861
00:34:02,960 --> 00:34:03,479
Speaker 5: tax account.

862
00:34:03,480 --> 00:34:04,800
Speaker 4: I never used to do that, and it was just

863
00:34:04,800 --> 00:34:05,520
Speaker 4: like a shock.

864
00:34:05,320 --> 00:34:07,320
Speaker 2: But now you are. That's not a bad habit, it's

865
00:34:07,320 --> 00:34:08,840
Speaker 2: a bad habit that you solved.

866
00:34:09,320 --> 00:34:11,279
Speaker 4: So yeah, tax is still my thing that annoys me.

867
00:34:11,400 --> 00:34:15,040
Speaker 5: Also, probably the biggest thing is being scared to invest

868
00:34:15,320 --> 00:34:17,239
Speaker 5: and also just like not paying myself souper and not

869
00:34:17,280 --> 00:34:18,960
Speaker 5: putting into things that are going to set me up

870
00:34:19,000 --> 00:34:20,800
Speaker 5: for success in the future. And that's where my partner

871
00:34:20,800 --> 00:34:22,560
Speaker 5: has been very good for like being like, let's just

872
00:34:22,560 --> 00:34:24,160
Speaker 5: buy the house, like it's not going to go downhill

873
00:34:24,200 --> 00:34:25,040
Speaker 5: from there, like, let's do it.

874
00:34:25,080 --> 00:34:27,280
Speaker 2: I like his mindset. I think it's really good.

875
00:34:27,520 --> 00:34:28,200
Speaker 4: Yeah, he's good.

876
00:34:28,239 --> 00:34:30,920
Speaker 5: He balances me well in saying that being in a

877
00:34:30,920 --> 00:34:33,239
Speaker 5: long distance relationship is also probably a bad money habit

878
00:34:33,320 --> 00:34:34,680
Speaker 5: because that was an expensive venture too.

879
00:34:34,719 --> 00:34:36,600
Speaker 2: You're about to change that though, You're about to buy

880
00:34:36,600 --> 00:34:39,640
Speaker 2: a house together. Will work out how that works. Yeah,

881
00:34:39,680 --> 00:34:42,040
Speaker 2: you're finally settling down. I can see the ring on

882
00:34:42,080 --> 00:34:45,000
Speaker 2: your finger, Like life is maybe about to get a

883
00:34:45,040 --> 00:34:46,880
Speaker 2: little less hectic.

884
00:34:46,760 --> 00:34:47,279
Speaker 4: Little less.

885
00:34:47,360 --> 00:34:47,600
Speaker 3: Yeah.

886
00:34:47,640 --> 00:34:49,680
Speaker 2: At the start of the show, you said to me,

887
00:34:49,880 --> 00:34:51,880
Speaker 2: I'm a C plus and I was like, oh, okay,

888
00:34:51,960 --> 00:34:55,000
Speaker 2: no worries. But then you told this beautiful story of like, oh,

889
00:34:55,040 --> 00:34:58,200
Speaker 2: I grew up in a really low socioeconomic household, Like

890
00:34:58,440 --> 00:35:01,360
Speaker 2: I've always been really independent, like you are basically the

891
00:35:01,480 --> 00:35:05,239
Speaker 2: Queen of travel. Like I cannot believe how cheaply you

892
00:35:05,320 --> 00:35:07,960
Speaker 2: are doing it and really enjoying it still, because I

893
00:35:07,960 --> 00:35:10,359
Speaker 2: feel like sometimes when people say, yeah, it was really cheap,

894
00:35:10,400 --> 00:35:11,960
Speaker 2: but I wish i'd spend a bit more, like it

895
00:35:11,960 --> 00:35:15,120
Speaker 2: didn't have the best time, Like that's not you at all.

896
00:35:15,360 --> 00:35:17,480
Speaker 2: You've got all these tips and tricks, Like I've never

897
00:35:17,480 --> 00:35:19,200
Speaker 2: met anyone on a money diary who's like, all right,

898
00:35:19,280 --> 00:35:23,120
Speaker 2: sit down, like his rollercoaster of really good tips and

899
00:35:23,160 --> 00:35:25,719
Speaker 2: tricks that I want to implement all of them. You

900
00:35:25,840 --> 00:35:29,160
Speaker 2: still have like forty six thousand dollars in savings. You

901
00:35:29,200 --> 00:35:31,239
Speaker 2: guys are going to buy a house this year, Like

902
00:35:31,600 --> 00:35:34,000
Speaker 2: you've lived on a variable income. Like, I know you

903
00:35:34,080 --> 00:35:36,440
Speaker 2: said that tax was your downfall, but it sounds like

904
00:35:36,480 --> 00:35:38,799
Speaker 2: it's actually not anymore because you have a really good

905
00:35:38,880 --> 00:35:42,520
Speaker 2: tax accountant and you have a whole account to deal

906
00:35:42,560 --> 00:35:45,759
Speaker 2: with tax. Now moving forward, do you really think that

907
00:35:45,840 --> 00:35:47,240
Speaker 2: you're a C plus?

908
00:35:48,239 --> 00:35:50,359
Speaker 5: Like, again, I'm proud of where I came from and

909
00:35:50,400 --> 00:35:52,080
Speaker 5: how like hard it was growing up with money and

910
00:35:52,080 --> 00:35:54,200
Speaker 5: the mindset shifts I've made, But I still feel like

911
00:35:54,239 --> 00:35:56,359
Speaker 5: there's yeah, a lot of like future building I want

912
00:35:56,360 --> 00:35:58,840
Speaker 5: to do, and I think probably the biggest thing is

913
00:35:58,840 --> 00:36:00,799
Speaker 5: like setting up more in come streams that I can

914
00:36:00,880 --> 00:36:04,600
Speaker 5: use when I'm away as well as when I'm home hustling,

915
00:36:04,640 --> 00:36:06,960
Speaker 5: because that's something that kind of lets me down every year,

916
00:36:07,040 --> 00:36:08,480
Speaker 5: is if I want to travel, I'm not working for

917
00:36:08,480 --> 00:36:11,000
Speaker 5: like four months and that's yeah, that obviously really affecting

918
00:36:11,040 --> 00:36:13,640
Speaker 5: my income. So I think that still needs to be done,

919
00:36:13,680 --> 00:36:16,239
Speaker 5: and setting myself up with those investments would definitely help

920
00:36:16,280 --> 00:36:18,839
Speaker 5: me feel like I'm more confident as like a maybe

921
00:36:18,840 --> 00:36:19,440
Speaker 5: a B minus.

922
00:36:19,440 --> 00:36:20,520
Speaker 4: I don't know, Yeah, Okay, I.

923
00:36:20,440 --> 00:36:22,560
Speaker 2: Was like maybe be a little bit kinder. The C

924
00:36:22,760 --> 00:36:25,680
Speaker 2: plus doesn't feel that reflective. You're like, I've never had

925
00:36:25,719 --> 00:36:28,440
Speaker 2: any debt, Like I don't have any, like this mortgage

926
00:36:28,480 --> 00:36:30,560
Speaker 2: will be the first thing, but that's like good debt.

927
00:36:30,640 --> 00:36:32,680
Speaker 2: I don't know. I feel like you need to go

928
00:36:32,719 --> 00:36:35,120
Speaker 2: home and have a good hard think, my friend, because

929
00:36:35,120 --> 00:36:37,800
Speaker 2: you're being quite harsher on yourself. But that is okay.

930
00:36:38,200 --> 00:36:41,120
Speaker 2: I feel like it's good to have it pointed out sometimes.

931
00:36:41,600 --> 00:36:41,960
Speaker 4: Thank you.

932
00:36:42,360 --> 00:36:46,200
Speaker 2: Unfortunately, ah, sadly, this is all we have time for today.

933
00:36:46,239 --> 00:36:49,080
Speaker 2: But oh my gosh, this has been so fun chatting

934
00:36:49,120 --> 00:36:51,719
Speaker 2: to you. I feel like, obviously I'm not going to

935
00:36:51,760 --> 00:36:53,680
Speaker 2: be able to go on a big overseas euro trip

936
00:36:53,719 --> 00:36:56,799
Speaker 2: anytime soon, but you've motivated me to want to, and

937
00:36:56,840 --> 00:36:58,960
Speaker 2: I think that that's either a good or a bad thing.

938
00:36:59,239 --> 00:36:59,640
Speaker 2: Not sure.

939
00:37:00,120 --> 00:37:01,960
Speaker 4: Looking for the deals now that's the way to do it,

940
00:37:02,480 --> 00:37:03,080
Speaker 4: that's all right.

941
00:37:03,200 --> 00:37:05,440
Speaker 2: My husband and I have every intention of taking our

942
00:37:05,480 --> 00:37:08,479
Speaker 2: baby overseas at like four months and making that work.

943
00:37:08,520 --> 00:37:10,960
Speaker 2: Everyone thinks that we're insane, but I'm like, Yollo, this

944
00:37:11,040 --> 00:37:14,200
Speaker 2: will be fine. We will get there. But oh my gosh,

945
00:37:14,239 --> 00:37:16,640
Speaker 2: this has been such a fun money. I really appreciate

946
00:37:16,640 --> 00:37:18,920
Speaker 2: you sharing so much with the community, and I know

947
00:37:19,000 --> 00:37:21,120
Speaker 2: that they're going to love you and your story just

948
00:37:21,120 --> 00:37:22,000
Speaker 2: as much as I have.

949
00:37:22,520 --> 00:37:23,040
Speaker 4: Oh, thank you.

950
00:37:23,080 --> 00:37:25,160
Speaker 5: I hope it motivates people who are in a different

951
00:37:25,200 --> 00:37:27,919
Speaker 5: way of living, you know, really based on flexibility and

952
00:37:27,960 --> 00:37:29,879
Speaker 5: the arts and travel and things like that, to not

953
00:37:30,280 --> 00:37:32,160
Speaker 5: feel hopeless and to know that there's things that you

954
00:37:32,200 --> 00:37:35,279
Speaker 5: can implement to still keep up with everybody else and

955
00:37:35,320 --> 00:37:37,720
Speaker 5: do what you love because there are ways of keeping

956
00:37:37,760 --> 00:37:40,520
Speaker 5: your values intact and also doing doing kind of what

957
00:37:40,560 --> 00:37:42,920
Speaker 5: you need to do to stay independent and flourishing.

958
00:37:42,960 --> 00:37:44,560
Speaker 4: So yeah, thank you so much for having me.

959
00:37:44,800 --> 00:37:54,880
Speaker 2: I'm obsessed. Of course. The advice shared on She's on

960
00:37:54,920 --> 00:37:57,600
Speaker 2: the Money is general in nature and does not consider

961
00:37:57,640 --> 00:38:01,560
Speaker 2: your individual circumstances. She's on the Money exists purely for

962
00:38:01,719 --> 00:38:04,600
Speaker 2: educational purposes and should not be relied upon to make

963
00:38:04,600 --> 00:38:07,880
Speaker 2: an investment or financial decision. If you do choose to

964
00:38:07,880 --> 00:38:11,160
Speaker 2: buy a financial product, read the PDS TMD and obtain

965
00:38:11,239 --> 00:38:15,640
Speaker 2: appropriate financial advice tailored towards your needs. Victoria Divine and

966
00:38:15,760 --> 00:38:19,200
Speaker 2: Sheese on the Money are authorized representatives of Money Sherpa

967
00:38:19,280 --> 00:38:23,160
Speaker 2: pty Ltd a BN three two one six four nine,

968
00:38:23,280 --> 00:38:27,240
Speaker 2: two seven seven zero eight AFSL four five, one, two

969
00:38:27,239 --> 00:38:34,239
Speaker 2: eight nine,