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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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

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Speaker 2: for millennials who want financial freedom. I'm sick today, but

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Speaker 2: we're still showing up so that next week the rest

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Speaker 2: of the team will also be sick. Today, my friends,

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Speaker 2: is Friday, which means it is time to get my

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Speaker 2: little soon to be sick team together and celebrate you

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Speaker 2: our incredible She's on the Money community Today, Mis j

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Speaker 2: Just Grich is going to be sharing our favorite money

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Speaker 2: wins and confessions from the community. Miss Bech Sayed is

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Speaker 2: going to be sharing her broke tips and our newest jingle.

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Speaker 2: We're going to be helping to answer juicy money dilemma,

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Speaker 2: which this week is all about how to just start saving.

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Speaker 2: And we're going to be unpacking something that you slid

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Speaker 2: into our DMS about and this week we're talking about

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Speaker 2: whether you should prioritize a good culture at work over

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Speaker 2: a good salary. Miss Bech sayed, how has your week been?

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Speaker 4: High?

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Speaker 1: V D?

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Speaker 2: Good? Good week?

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Speaker 5: What have I done? I can't remember it better? I

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Speaker 5: think you can't remember it. No, it's been really quiet.

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Speaker 5: Actually it's been a real quiet, chill, wholesome week.

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Speaker 2: You know that's good. Sometimes juice, no juice at all.

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Speaker 2: I'm going to try and talk as little as possible

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Speaker 2: in this episode because I sound terrible. Oh gosh, ten

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Speaker 2: out of ten can recommend. I'm not even actually sick.

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Speaker 2: I just had croup and I have a what would

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Speaker 2: you say, a remnants of croup cough or very attractive

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Speaker 2: if you're thinking, wow, V I thought that only Toddler's

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Speaker 2: got croup.

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Speaker 6: Gone wrong?

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Speaker 2: You thought wrong? Toddler's and Miss Victoria Divine get croup.

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Speaker 2: It's very attractive.

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Speaker 7: Jessica, how have you been this week I've been good

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Speaker 7: just bopping along. I had so much fun this morning

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Speaker 7: because we got to test our friend Sammy's new workout regime.

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Speaker 7: And I've said before not a Jim Gurley right, not

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Speaker 7: the vibe, not for me very I.

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Speaker 2: Did convince you one time to do a pilates class

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Speaker 2: via zoom during lockdown.

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Speaker 7: This is a vibe that Sammy's thing gives me because

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Speaker 7: there's a whole forty five minute thirteen song workout and so,

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Speaker 7: like I have, I'm sore today, I ache, I really

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Speaker 7: am in a lot of pain. But I bought the

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Speaker 7: thing because friends port friends and buy their friends stuff.

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Speaker 7: You don't expect it for free. And I had a

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Speaker 7: lot of fun and I'm so excited looking forward to

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Speaker 7: getting back into exercising again without feeling embarrassed. And there's

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Speaker 7: heaps of other stuff on there, but yeah, little plug,

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Speaker 7: she's our friend.

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Speaker 2: Oh good, And it's a lot of fun.

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Speaker 7: If you're someone who just likes to dance around and

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Speaker 7: you lounge and have a good time and call that exercise,

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Speaker 7: you know what it is.

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Speaker 2: Yeah, she's an absolute legend. We'll actually put a link

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Speaker 2: in our show notes so that you can still love that. Yeah, Well,

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Speaker 2: I mean it wasn't so that she could love it.

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Speaker 2: It was actually so that our community could love on her. Yeah,

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Speaker 2: and so we can find it easily. Do you know what.

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Speaker 2: I had a bit of a conundrum this week. I

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Speaker 2: had a lot of email replies to our newsletter last Friday.

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Speaker 2: So today is Friday, which means that about lunchtime, probably

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Speaker 2: more close to three pm. Because that's how I roll

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Speaker 2: at the moment, I will send out our newsletter. And

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Speaker 2: last week I did the same thing. I was sitting

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Speaker 2: on the plane on the way back from Sydney and

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Speaker 2: I was like smashing out the newsletter and I thought

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Speaker 2: I was so funny because this week I recommended my

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Speaker 2: favorite food, which you do will know is frozen mashed potatoes,

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Speaker 2: absolutely amazing, and I was trying to sell the community

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Speaker 2: on them real hard. I was like, they are the

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Speaker 2: best thing in this entire world, right, and if you

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Speaker 2: haven't subscribed to our newsletter, well you're in for a shock.

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Speaker 2: It's not that much about financial literacy. It's relatively rogue. Yeah,

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Speaker 2: we recap the week that was, Yeah, we have money

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Speaker 2: tips and tricks, but there's also Victoria's unsolicited recommendation where

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Speaker 2: it's very unsolicited, and to be honest, my aim with

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Speaker 2: that is to waste as much of your time as possible.

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Speaker 2: So fun way, yeah, in a fun way. And you

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Speaker 2: know what, I've probably had fifteen dms this week from

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Speaker 2: people being like, ve these spash potatoes changed my life,

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Speaker 2: and I'm like, I know, that's why I recommended it.

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Speaker 2: But at the end of that recommendation I said that

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Speaker 2: I had been eating it with a side of dead horse.

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Speaker 2: I can see how that would confuse a lot of it.

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Speaker 6: Ah.

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Speaker 2: Yeah, And so we've had aren't you a vegan? Yeah,

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Speaker 2: we've had a fifty plus email response from people being

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Speaker 2: like the not only did we think that you didn't

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Speaker 2: eat meat, but also horseting choice.

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Speaker 5: Interesting choice, and to confirm that it is in fact dead.

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Speaker 2: And I was very confused because I thought it was

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Speaker 2: just a term that everyone's, you know, parental figure used

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Speaker 2: to refer to tomato sauce. Is this something that I

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Speaker 2: had just been living and nobody else had been living

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Speaker 2: or had you heard of the concept of dead horse

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Speaker 2: being tomato sauce? No?

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Speaker 5: I had never you my dad had.

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Speaker 7: I'm pretty sure it's Cockney, which is English, and my

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Speaker 7: dad is English, so that might be yeah.

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Speaker 2: The writing slang.

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Speaker 7: I think it is something like that, which is, yeah,

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Speaker 7: you just replaced like the starts of like Schmeiler swift,

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Speaker 7: like you just you, You're replacing it with something else,

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Speaker 7: tomato sauce, dead horse.

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Speaker 2: You knew what I was talking about. I thought everyone

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Speaker 2: would know what I was talking about. Turns out I

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Speaker 2: off ended a very large population of our community, for

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Speaker 2: which I do apologize. I was actually referring to tomato sauce. Also,

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Speaker 2: I did think, up until this week that everybody in

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Speaker 2: every family called the catalogs that are put in your

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Speaker 2: mailbox unsolicited were called cattle dogs. Oh I haven't heard

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Speaker 2: that much never Okay, so it's just me and my

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Speaker 2: dad from Tasmania that use this type of terminology. I

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Speaker 2: will continue to use this type of language in the

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Speaker 2: newsletter to confuse you. I mean, it's probably just really

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Speaker 2: good for engagement, but it's probably just letting you in

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Speaker 2: on the side of me. That's maybe a little bit

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Speaker 2: more Bogan than you thought it was. And I'm not mad.

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Speaker 2: So let's move on, because I want to know, Jess.

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Speaker 2: I feel like that was a loss for me this week.

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Speaker 2: But how has our community been winning?

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Speaker 7: So the first one this week comes from Ebody, who

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Speaker 7: said money and life win. After months of searching, I

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Speaker 7: had a new housemate move in. Now I'm no longer

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Speaker 7: paying three hundred and seventy dollars a week rent solo

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Speaker 7: and she's absolutely lovely and he's going to help me

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Speaker 7: look after my cat while I'm away next week visiting family.

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Speaker 7: Have you more money and have a little bit more

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Speaker 7: flexibility to say yes to things like the cheeky coffee

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Speaker 7: during the week.

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Speaker 2: Oh and your cat's probably going to be happy with

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Speaker 2: someone they know, extra company. We love a cat win.

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Speaker 7: My next money win comes from Alana, who said money

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Speaker 7: win after cheers is a regular casual at my job.

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Speaker 7: My boss has given me a full time contract to

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Speaker 7: start once my maternity leave finishes. And it's so much

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Speaker 7: more than I was going to ask for, so that's

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Speaker 7: also a nice positive.

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Speaker 2: Congrab cool, very exciting.

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Speaker 7: My next money win is from Tess, who said money

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Speaker 7: and a heart win. Instead of buying expensive flower decals

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Speaker 7: for my daughter's bedroom when I was redecorating, I was

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Speaker 7: looking at spending one hundred and fifty to two hundred dollars,

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Speaker 7: I decided to get creative and paint the flowers myself

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Speaker 7: twenty six dollars in paint from Bunnings later, and the

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Speaker 7: end result has far exceeded my expectations. And my darling

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Speaker 7: baby girl now gets to go to her room every

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Speaker 7: night and touch the flowers and giggle and smile. And

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Speaker 7: I was just like them all something I've ever read.

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Speaker 2: That she DMed it to me as well. I loved

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Speaker 2: it so sweet and protein.

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Speaker 7: If you're doing something like that, don't buy a big

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Speaker 7: tub of paint, buy a sample pot.

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Speaker 2: Sample pots go a long way, and they're like eight

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Speaker 2: bucks a pot, genius. If ever I need to do

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Speaker 2: di y anything, Beck, I actually just called Jess weekend.

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Speaker 2: I don't care. Yes, I need your tips and tricks.

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Speaker 7: I live for it. And I'm very excited to see

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Speaker 7: all the stuff that you start doing in your Renno.

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Speaker 2: Oh, don't even start me. It is so overwhelming. And

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Speaker 2: when she says see, she means what you do the

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Speaker 2: things I told you to do, Victoria. Oh wait, I'm

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Speaker 2: gonna last that she means. That's exactly what she means.

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Speaker 7: Beck, Next, money means from Maddie who said money win.

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Speaker 7: There were thirty nuggets in my twenty four nugget Pat.

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Speaker 2: What that is a money win? Big win? All right?

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Speaker 2: But at what point do you stop counting how many

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Speaker 2: nuggets are in the nugget box? I've never counted my nuggets? Yeah,

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Speaker 2: did she sit down and count thirty or did she

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Speaker 2: count her bite?

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Speaker 1: Like?

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Speaker 2: How did you just? I don't know.

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Speaker 7: I mean, if you're buying that many, maybe you're sharing

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Speaker 7: them and you're splitting them up, and so you start

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Speaker 7: fifteen and ah, yeah, money split a twenty four pack.

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Speaker 2: I'm so sorry to avenge you that way. Oh my gosh, Beck,

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Speaker 2: have you never shared a twenty four pack of nuggets?

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Speaker 2: It's something so one of the true joys in life. Wow,

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Speaker 2: I hope you try it one day. I hope one

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Speaker 2: day you experienced that type of joy. I just said fifty.

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Speaker 5: I don't know if she's talking about fifty pack on

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Speaker 5: the road and that's okay. Oh you'd split a fifty,

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Speaker 5: Sure you'd slit a fifty, but not a twenty four.

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Speaker 2: But not a twenty four. Can you buy a fifty

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Speaker 2: pack of nuggets? I think that no idea. And I'm

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Speaker 2: I'm sure you could purchase fifty nuggets, But like a box,

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Speaker 2: do you just go to macas and be like, Hi, yep,

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Speaker 2: I'll get the fifty nugget pack and they're like, sure,

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Speaker 2: I'm concerned. Move on, Jessica, what else have you got? Next?

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Speaker 7: Up, we have Morgan who said money loss slash money

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Speaker 7: in recently purchased a sewing machine for my husband and

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Speaker 7: I to build some more skills and handmake some projects

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Speaker 7: and clothes through our daughter. We took advantage of a

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Speaker 7: sale at Spotlight and got over four hundred dollars worth

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Speaker 7: of fabrics and patterns for only seventy.

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Speaker 2: Three How good is that? Do you know what? Another

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Speaker 2: hot tip is if you're looking for fabrics op shops

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Speaker 2: genus tablecloths, sheets, literally, old off cuts of fabrics always

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Speaker 2: end up there and they are so cheap. So if

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Speaker 2: you've got like a project, maybe want a little bit

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Speaker 2: of a different fabric, or you're just testing, off to

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Speaker 2: the upshop, you go. My friend, I want to know

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Speaker 2: how Morgan, you're planning on learning? Is there like an

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Speaker 2: online thing? Because I've always wanted to learn and it's

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Speaker 2: hard to find somewhere to go and learn as an adult.

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Speaker 2: But I'll just teach you. I've already said I'm going

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Speaker 2: to teach jess how to sew properly because she drops

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Speaker 2: off her pants to me and then I take up

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Speaker 2: the ymns and return them because heming pants is really expensive.

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Speaker 2: And we save money in any way, shape or form

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Speaker 2: that we can in this team, and that includes making

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Speaker 2: Victoria do your sewing.

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Speaker 7: She does full service service, just drop it off, same

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Speaker 7: day service.

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Speaker 2: Actually, yeah, you got to stay. We get rid of it. Yeah,

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Speaker 2: she does it all.

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Speaker 7: My last money in this week comes from Amy, who

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Speaker 7: said I said it on a block of land and

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Speaker 7: I bought a puppy.

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Speaker 2: What a great week. Look at that face. Oh my god,

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Speaker 2: it's very cute. Do we know that papo's name? No,

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Speaker 2: it wasn't there. I did. Come on, guys, come on, guys.

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Speaker 2: If you're going to post a picture of your dog,

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Speaker 2: I'm going to need all the information. How old is it?

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Speaker 2: What is its name? What's his favorite trade? Where does it?

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Speaker 2: Like it's belly rubs? Like I need all of that information.

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Speaker 2: Otherwise you're doing this community a very big disservice. Absolutely,

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Speaker 2: it's rude. It is rude. Do you know who's not

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Speaker 2: doing our community a disservice? Antoinette? Oh yes, why well?

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Speaker 5: Antoinette is one of our listeners and she so kindly

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Speaker 5: reached out with a really really catchy jingle for Bex

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Speaker 5: broke tips.

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Speaker 2: When you say it really catchy, you mean it's the

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Speaker 2: only one we got. Oh, it's the.

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Speaker 5: Only one we got. Absolutely and also really catchy and

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Speaker 5: not at all familiar.

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Speaker 2: It's made up from scratch. I just want shmalish kind

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Speaker 2: of vibes as a shmaler smift kind vibe.

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Speaker 5: Am.

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Speaker 2: I just like play it. Please play it. Stunning, Let's

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Speaker 2: drop it into the microphone. It's time for the Bes

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Speaker 2: broke tip jingle.

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Speaker 8: B E C S b R ok tips E C

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Speaker 8: S b R okay e tips.

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Speaker 2: I love it.

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Speaker 5: Stunning, amazing, amazing.

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Speaker 2: I wouldn't say no if somebody wanted to remix that

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Speaker 2: for us, I also wouldn't say no. But we appreciate it.

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Speaker 2: I feel like that was a broke jingle. Oh yeah,

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Speaker 2: that was brand so on brand. I traded into it, though, Beck,

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Speaker 2: what have you got for us this week? Okay?

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Speaker 5: So I've got I'll share two of them and then

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Speaker 5: I'll share my own if that works for you.

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Speaker 2: Love Okay.

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Speaker 5: So the first broke Tip is from Cindy Hi, Cindy Hi, Cindy,

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Speaker 5: who says that she goes to the Asian grocer when

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Speaker 5: she's trying to stretch out her last fifteen dollars for

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Speaker 5: the week.

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Speaker 2: Smart, so she'll get.

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Speaker 5: Like a sixty five cents to a dollar fifty packet

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Speaker 5: of instant noodles.

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Speaker 2: Yeah, they're cheaper there too, like very much cheaper.

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Speaker 5: You can probably get something similar from always, but never

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Speaker 5: like sixty fives.

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Speaker 2: No, that's not a thing anymore. But it is the

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Speaker 2: Asian grocery.

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Speaker 5: Absolutely, And she gets a generous bunch of Asian greens

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Speaker 5: for a dollar.

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Speaker 2: That's insane.

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Speaker 3: Dollar.

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Speaker 2: That's actually quite a wholesome meal as well. Yeah, that's

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Speaker 2: actually really good. It's really good. Gets your greens. Greens

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Speaker 2: are good because I have the dumpling rappers too.

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Speaker 7: I used to always love getting like you get just

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Speaker 7: a trey of mince flak what are they five six

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Speaker 7: barks and a thing of the rappers and a thing

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Speaker 7: of your one dollar greens.

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Speaker 2: We would make eighty dumplings one lot.

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Speaker 7: It was crazy because yeah, it's so cheap, and so

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Speaker 7: we would just freeze them, but really good way, like

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Speaker 7: if you do that, stash them away, way cheaper than

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Speaker 7: ordering them.

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Speaker 2: I love that. Oh genius that's a really I'm going

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Speaker 2: to find Jessica's dumpling recipe. I'm going to get it

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Speaker 2: in the newsletter. Oh stunning. It better be good, jess I've.

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Speaker 7: Just said because it is cheap.

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Speaker 2: What else you got?

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Speaker 5: My next broke tip is from Rachel Hi.

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Speaker 2: Rachel, So she.

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Speaker 5: Says that her family by instead of so say you're

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Speaker 5: making meatballs, instead of buying the mints and all the

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Speaker 5: ingredients and everything separately, instead, what her family do They

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Speaker 5: buy ten meat paddies from more words, and then roll

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Speaker 5: them into meatballs.

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Speaker 2: So hey, that's smart.

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Speaker 5: Yeah, I feel like that's a pretty good way to

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Speaker 5: do it because it has all the ingredients in there

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Speaker 5: for you literally just have to take.

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Speaker 2: And also that it's pretty kind of spiced.

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Speaker 7: Yeah, and could you split them back, because like a

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Speaker 7: whole paddy to be one meatball, huge meatball?

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Speaker 8: Yeah, you.

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Speaker 2: Kind a couple of meatballs out of a paddy. That's great,

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Speaker 2: that's a good idea. Adding to that, I remember when

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Speaker 2: I was younger, Mum used to get the flavored sausages

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Speaker 2: and squeeze it out of the sausage casing to put

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Speaker 2: into like pasta bakes and stuff. So like kind of

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Speaker 2: like meatballs, but like a sausage pasta, and therefore you

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Speaker 2: didn't have to spend heaps on like seasonings and flavorings

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Speaker 2: and stuff. So I like the idea of repurposing pre

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Speaker 2: seasoned foods for other reasons.

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Speaker 7: Yes, and then you can split it so that you

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Speaker 7: get more mileage out of it, which is always a

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Speaker 7: great thing.

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Speaker 2: Well ten dollar meal right there. Yeah, yeah, yeah, I

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Speaker 2: love that. So my tip of the week, Oh yeah,

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Speaker 2: we've been waiting left it till last. It's not going

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Speaker 2: to be as dodgy as last week's.

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Speaker 5: Yeah, okay, step up. I was going to tell you

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Speaker 5: about my fipbit. As you guys can see here, I've

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Speaker 5: got a fitbit that's stuck together with sticky tape instead

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Speaker 5: of buying a new band. But that's not my broke

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Speaker 5: tip for the week. It is a good idea, though.

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Speaker 2: Is it sustainable. It's sustainable. This has lasting me two weeks.

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Speaker 2: Oh impressive. It's pretty good.

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Speaker 5: And it has not even it's not slightly coming off.

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Speaker 5: It's you know, just get really really good tape.

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Speaker 2: Can you take the bit off or is it taped

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Speaker 2: onto your wrist?

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Speaker 5: You can, because when you come up here with you

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Speaker 5: unclip the band from the actual We're not green, right,

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Speaker 5: you're a genius. Okay, if I ever have to remove

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Speaker 5: that tape.

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Speaker 2: Okay, she's thought about this. Sorry for questioning the logic. No,

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Speaker 2: that's quite all right.

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Speaker 5: Anyway, this one might be common sense to a lot

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Speaker 5: of people, but is not that common That's very true.

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Speaker 5: That's what we've learned lifetime. I'm assuming everyone has anyway.

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Speaker 5: So what I do is I have you know, your

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00:16:05,600 --> 00:16:09,000
Speaker 5: woolwas rewards cards. You're literally any card that's out there

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Speaker 5: that you can get your hands on, a one of

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Speaker 5: those freebie cafe ten boucher, what do you call it?

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Speaker 5: Coffee cards, coffee cards, anything where you could eventually one

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Speaker 5: day get something free. Seven to eleven app which is

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Speaker 5: something that I will talk about in one of our

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Speaker 5: later episodes.

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Speaker 2: I'm obsessed with seven eleven sandwiches, so I can't wait.

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Speaker 5: Can't wait seven eleven app anything. But basically the reason

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Speaker 5: why I say this is, for example, this week, I

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Speaker 5: have ten dollars to spend on my Will Wars card.

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Speaker 2: I won't be using that yet right now.

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Speaker 5: I know that I will have no money in two

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00:16:38,120 --> 00:16:40,760
Speaker 5: weeks time, so that's when you will go into wool Wars.

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Speaker 5: You have the ten dollars that you saved up from

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Speaker 5: your everyday rewards card.

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00:16:44,560 --> 00:16:45,280
Speaker 2: Or let's say you.

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Speaker 5: Have a free coffee on your coffee card. Don't use

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Speaker 5: it when you have money, only ever use it when

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00:16:49,960 --> 00:16:50,600
Speaker 5: you are broke.

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Speaker 2: Save it.

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Speaker 5: You might be like, oh, what a treat. Don't do

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Speaker 5: it yet, Wait until you have no money and you

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00:16:55,880 --> 00:16:58,320
Speaker 5: need that ten dollars on your everyday rewards card, or

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Speaker 5: you need that free coffee because you truly have nothing.

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Speaker 5: So save all of these things. And also embarrassing having.

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Speaker 2: All these Flybys cards, these rewards empowering and.

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Speaker 5: Only use them when you are broke. Please save them

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Speaker 5: for yourself and you can put a lot of them

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00:17:14,560 --> 00:17:17,399
Speaker 5: on your phone. Woolworths and Flybys you both have them digital.

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00:17:17,480 --> 00:17:19,320
Speaker 5: So you are embarrassed about having a million cars in

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Speaker 5: a wallet, there's.

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Speaker 2: A solution exactly right on the app. You're a genius.

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00:17:24,520 --> 00:17:26,719
Speaker 2: Do you know? All I can think about is I

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00:17:26,800 --> 00:17:28,840
Speaker 2: know what your salary is, and I know it's good.

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00:17:29,119 --> 00:17:32,240
Speaker 2: I just know that you don't budget and cash flow

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00:17:32,280 --> 00:17:35,680
Speaker 2: in a way that is super effective at this point

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Speaker 2: in time, and that's fine. You do you like we

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00:17:37,640 --> 00:17:41,000
Speaker 2: all manage money differently. But if you put the same

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Speaker 2: energy into your budgeting cash flow system as you do

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Speaker 2: into tracking your flybys and your free Woolworths ten bucks, like,

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Speaker 2: my god, you'd be a rich woman.

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Speaker 5: I do agree that if I put this much energy,

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Speaker 5: but honestly your lives.

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Speaker 2: But I'm not going to do that.

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Speaker 8: No.

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Speaker 5: But as I say, because I have been broke for

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Speaker 5: so long, now that I've got good money, I can

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00:18:00,080 --> 00:18:02,040
Speaker 5: start buying things that I could never and so I

401
00:18:02,119 --> 00:18:06,320
Speaker 5: end up being life breaking, even lifestyle creepy.

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Speaker 2: It's kind of like a life style or like.

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00:18:08,000 --> 00:18:10,119
Speaker 5: You know, debts and servicing cars, all these things that

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00:18:10,119 --> 00:18:11,119
Speaker 5: I couldn't pay for before.

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Speaker 2: Yeah. No, but eventually, it's not a judgmental comment. It's

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Speaker 2: just I'm so impressed with your ability to work the

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00:18:18,320 --> 00:18:20,639
Speaker 2: system and make it work for you. Yeah, I'm like,

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00:18:20,760 --> 00:18:23,760
Speaker 2: that's so much energy and effort. I cannot wait to

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Speaker 2: channel that into Beck's budget and cash flow system. At

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Speaker 2: some point in the future, you and I are going

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Speaker 2: to get to sit down and I'm going to be

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Speaker 2: so excited. Today is just not that day till then,

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Speaker 2: till then we will continue on. Let's go to a

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Speaker 2: really quick break because on the other side of the break,

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Speaker 2: I want to talk about how to actually start saving beck.

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00:18:41,600 --> 00:18:44,280
Speaker 2: Maybe you wrote this in and then we're going to

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Speaker 2: unpack something that you slid into our DMS about which

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00:18:47,320 --> 00:18:50,040
Speaker 2: this week we're talking about whether you should prioritize a

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Speaker 2: good culture at work over a good salary. Don't go anywhere, guys,

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Speaker 2: Welcome back everybody.

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Speaker 5: Let's listen to this week's money dilemma.

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Speaker 1: Hi.

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Speaker 4: There, have you got a money dilemma you just can't solve?

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00:19:06,520 --> 00:19:08,640
Speaker 4: The She's on the Money team is here to help.

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00:19:09,040 --> 00:19:12,040
Speaker 4: Every week, we tackle your dilemmas, both big and small,

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00:19:12,080 --> 00:19:15,200
Speaker 4: to answer your most burning money, career and life questions.

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00:19:15,359 --> 00:19:17,880
Speaker 4: To get involved, simply head to our website and leave

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00:19:17,960 --> 00:19:20,080
Speaker 4: us a short voice recording and you might just find

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00:19:20,080 --> 00:19:22,760
Speaker 4: yourself on the show. Now, let's take a listen to

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Speaker 4: this week's money dilemma.

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Speaker 6: Hi, ladies, I am quite desperate to know how on

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Speaker 6: earth to actually save money. I feel like I'm not overspending,

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Speaker 6: but somehow every pay I seem to have all the

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Speaker 6: intentions to save, and then something happens and I end

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Speaker 6: up having to use that money, and I've just never

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00:19:53,240 --> 00:19:55,919
Speaker 6: been able to get on top. And I'm nearly forty

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00:19:56,040 --> 00:19:59,639
Speaker 6: and I have no savings, so I would really love

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Speaker 6: your help on where to even just begin. Thank you.

439
00:20:04,320 --> 00:20:06,800
Speaker 2: She sounds like the most wholesome human, Like I just

440
00:20:06,840 --> 00:20:08,720
Speaker 2: want to like her tone of voice, the way she

441
00:20:08,800 --> 00:20:10,959
Speaker 2: spoke made me want to be her best friend. I

442
00:20:11,000 --> 00:20:13,120
Speaker 2: was just like, I love you already, I don't even

443
00:20:13,200 --> 00:20:15,600
Speaker 2: know you, but so relatable. Yeah, I just feel like

444
00:20:15,640 --> 00:20:19,679
Speaker 2: that is so common. Jess. You're a little savings queen,

445
00:20:20,200 --> 00:20:23,080
Speaker 2: so I want to know where would you start when

446
00:20:23,160 --> 00:20:26,320
Speaker 2: it comes to savings if you were starting from scratch.

447
00:20:26,760 --> 00:20:30,119
Speaker 7: I feel like it sounds as though she does need

448
00:20:30,160 --> 00:20:32,640
Speaker 7: to do the classic Victoria Divine method of going through

449
00:20:32,680 --> 00:20:36,600
Speaker 7: her bank statements because it's the most hideous thing in

450
00:20:36,600 --> 00:20:38,320
Speaker 7: the world. It's no fun at all. I'm not even

451
00:20:38,359 --> 00:20:39,680
Speaker 7: going to try to lie to you about that.

452
00:20:39,800 --> 00:20:43,000
Speaker 2: But that's why I always recommend wine. Yeah you can

453
00:20:43,080 --> 00:20:45,600
Speaker 2: drink wine, yeah while doing it, because if you drink

454
00:20:45,600 --> 00:20:49,560
Speaker 2: tea or something, but like wine probably will help the most.

455
00:20:49,840 --> 00:20:52,320
Speaker 7: A bev Regina of some sort, bev Regena of choice.

456
00:20:52,400 --> 00:20:55,480
Speaker 7: But I think because she's saying that she keeps getting

457
00:20:55,480 --> 00:20:56,879
Speaker 7: to the end of payday and we've all been there,

458
00:20:56,920 --> 00:20:58,960
Speaker 7: where you go Oh, my god, where did my money go?

459
00:20:59,440 --> 00:21:01,439
Speaker 7: By going for three months of statements, you're going to

460
00:21:01,440 --> 00:21:03,280
Speaker 7: see where the money's going, Right, You're going to have

461
00:21:03,320 --> 00:21:05,879
Speaker 7: a very clear understanding of I'm spending more than I

462
00:21:05,880 --> 00:21:09,000
Speaker 7: should on takeout or maybe like the you know, if

463
00:21:09,000 --> 00:21:11,120
Speaker 7: you've got kids, like it's all going to the kids' activities,

464
00:21:11,160 --> 00:21:13,160
Speaker 7: and that's not an expense that I can cut, which

465
00:21:13,200 --> 00:21:16,320
Speaker 7: is totally fine as well. So I feel like understanding

466
00:21:16,320 --> 00:21:20,199
Speaker 7: where you're spending allows you to then begin making changes

467
00:21:20,240 --> 00:21:20,960
Speaker 7: to start saving.

468
00:21:21,200 --> 00:21:23,960
Speaker 2: Yeah. No, I think that that's absolutely it. It kind

469
00:21:23,960 --> 00:21:26,680
Speaker 2: of I want to go on and on about values here,

470
00:21:26,800 --> 00:21:29,440
Speaker 2: and you guys know how passionate I am about living

471
00:21:29,440 --> 00:21:31,679
Speaker 2: to your values, not what other people say you should

472
00:21:31,680 --> 00:21:34,480
Speaker 2: be spending. But it actually just sounds like you don't

473
00:21:34,480 --> 00:21:37,119
Speaker 2: have a clear idea of what your actual budget looks like.

474
00:21:37,400 --> 00:21:41,560
Speaker 2: Because if you're thinking, oh, I put money away my savings, well,

475
00:21:41,680 --> 00:21:44,679
Speaker 2: actually you didn't allocate what you needed to to the

476
00:21:44,760 --> 00:21:48,639
Speaker 2: expenses you have. They were never savings. That was a

477
00:21:48,680 --> 00:21:52,040
Speaker 2: pipe dream. Basically, that was like very aspirational and I'm

478
00:21:52,080 --> 00:21:55,320
Speaker 2: so excited that you're prioritizing it. But every single month

479
00:21:55,320 --> 00:21:57,320
Speaker 2: that you do that, you're going to feel like you're

480
00:21:57,359 --> 00:21:59,760
Speaker 2: shooting yourself in the foot because you might be saying,

481
00:22:00,080 --> 00:22:02,199
Speaker 2: can save five hundred bucks, I'm going to put it

482
00:22:02,240 --> 00:22:05,200
Speaker 2: to the side right now, when in reality, you might

483
00:22:05,280 --> 00:22:07,760
Speaker 2: only have the capacity in your budget for one hundred

484
00:22:07,800 --> 00:22:11,040
Speaker 2: and fifty dollars worth of savings. And that's okay. We

485
00:22:11,160 --> 00:22:13,160
Speaker 2: just need to be aware of it so that when

486
00:22:13,240 --> 00:22:16,080
Speaker 2: you allocate it, you don't feel like you're stealing from

487
00:22:16,160 --> 00:22:19,159
Speaker 2: future you because that was never the money that you

488
00:22:19,200 --> 00:22:21,440
Speaker 2: were able to save. If that makes sense, we need

489
00:22:21,440 --> 00:22:23,679
Speaker 2: to sit down and go, Molly, friend, is this, and

490
00:22:23,720 --> 00:22:25,600
Speaker 2: bills are this, and groceries are this, and you know,

491
00:22:25,640 --> 00:22:29,000
Speaker 2: the kids' activities are this, Well, actually what does that

492
00:22:29,160 --> 00:22:31,760
Speaker 2: leave you with? And then that gives you the ability

493
00:22:31,800 --> 00:22:34,119
Speaker 2: to reflect on whether you want to spend that or

494
00:22:34,160 --> 00:22:36,000
Speaker 2: you don't want to spend that. You might go, oh

495
00:22:36,080 --> 00:22:38,399
Speaker 2: my gosh, the kids are doing so much, no wonder

496
00:22:38,400 --> 00:22:41,040
Speaker 2: we can't save. We're spending all our money here or there.

497
00:22:41,200 --> 00:22:43,760
Speaker 2: Or you might actually find that you're in a season

498
00:22:43,800 --> 00:22:46,679
Speaker 2: of life that's just really expensive right now. And we

499
00:22:46,720 --> 00:22:49,639
Speaker 2: all go through those seasons where life just feels a

500
00:22:49,640 --> 00:22:52,159
Speaker 2: little bit overwhelming. You're not, you know, making the traction

501
00:22:52,280 --> 00:22:54,439
Speaker 2: that you want to make when it comes to saving

502
00:22:54,600 --> 00:22:57,640
Speaker 2: or investing, and that's okay. I think sometimes it's really

503
00:22:57,640 --> 00:23:00,719
Speaker 2: about just recognizing where you're at, making a step back

504
00:23:00,760 --> 00:23:03,320
Speaker 2: and going you know what, I don't know about your situation.

505
00:23:03,600 --> 00:23:06,800
Speaker 2: You might be your single mum absolutely killing it. You

506
00:23:06,880 --> 00:23:08,880
Speaker 2: might not feel like you're saving a lot, but oh

507
00:23:08,920 --> 00:23:10,920
Speaker 2: my gosh, you're putting food on the table, you're putting

508
00:23:10,960 --> 00:23:13,280
Speaker 2: a roof over your kid's head. They're going to school,

509
00:23:13,400 --> 00:23:15,199
Speaker 2: they are happy, they are healthy, and you know what,

510
00:23:15,240 --> 00:23:18,240
Speaker 2: that's more than enough. I think sometimes we really need

511
00:23:18,280 --> 00:23:22,159
Speaker 2: to put life in perspective because that season isn't forever.

512
00:23:22,840 --> 00:23:26,600
Speaker 2: And maybe you're studying, maybe you know you're in between jobs.

513
00:23:26,640 --> 00:23:28,320
Speaker 2: Maybe you're in a job that you don't love and

514
00:23:28,359 --> 00:23:30,280
Speaker 2: you're about to move to something else, or maybe you're

515
00:23:30,280 --> 00:23:33,600
Speaker 2: considering what that next move even looks like. That's okay,

516
00:23:33,920 --> 00:23:36,720
Speaker 2: But I think this idea of seasons of life is

517
00:23:36,840 --> 00:23:40,800
Speaker 2: okay to understand but also empowers you to go, all right, well,

518
00:23:40,920 --> 00:23:43,600
Speaker 2: let's just look at what I want today and how

519
00:23:43,600 --> 00:23:46,720
Speaker 2: that might work and what that means for my financial future.

520
00:23:47,000 --> 00:23:49,600
Speaker 2: But when people say, at the end of each month,

521
00:23:49,720 --> 00:23:53,119
Speaker 2: I'm dipping back into savings. That to me is an

522
00:23:53,160 --> 00:23:57,080
Speaker 2: immediate flag that says you didn't understand what your actual

523
00:23:57,160 --> 00:23:59,720
Speaker 2: cash flow and budget looked like. And I'm going to

524
00:23:59,720 --> 00:24:01,480
Speaker 2: get hold of your email address and I'm going to

525
00:24:01,520 --> 00:24:04,119
Speaker 2: gift you my budget and cash Flow master class because

526
00:24:04,160 --> 00:24:06,040
Speaker 2: I know that it will help you, and I know

527
00:24:06,160 --> 00:24:08,439
Speaker 2: that it'll put you in the best possible position. So

528
00:24:08,680 --> 00:24:11,080
Speaker 2: my friend, watch out for that email because it's coming

529
00:24:11,119 --> 00:24:14,159
Speaker 2: your way. Because I think that's actually such a relevant question.

530
00:24:14,520 --> 00:24:16,880
Speaker 2: And I think I love that you told us your

531
00:24:16,920 --> 00:24:19,719
Speaker 2: age as well, because I think so many of us,

532
00:24:19,840 --> 00:24:22,080
Speaker 2: especially when we're young, we just go, oh my gosh,

533
00:24:22,119 --> 00:24:24,200
Speaker 2: I'll have it sorted out. I'll have it. It's only

534
00:24:24,240 --> 00:24:26,520
Speaker 2: going to get sorted out if you sort it out.

535
00:24:27,040 --> 00:24:30,000
Speaker 2: It's not magic. It doesn't happen overnight. Do you know

536
00:24:30,040 --> 00:24:33,960
Speaker 2: how many people in our community are in their forties, fifties, sixties,

537
00:24:34,040 --> 00:24:37,240
Speaker 2: even seventies that we get dms from all the time

538
00:24:37,280 --> 00:24:39,520
Speaker 2: that say, oh my god, b I have no savings.

539
00:24:39,520 --> 00:24:40,080
Speaker 2: What do I do?

540
00:24:40,840 --> 00:24:41,000
Speaker 8: Well?

541
00:24:41,040 --> 00:24:42,919
Speaker 2: We have to just go back to basics. There's no

542
00:24:43,000 --> 00:24:46,360
Speaker 2: magic outcome, there's no magic wand or kind of solution

543
00:24:46,480 --> 00:24:49,840
Speaker 2: that I can offer except for, hey, here's the process.

544
00:24:49,880 --> 00:24:51,480
Speaker 2: That you should go through that will put you in

545
00:24:51,560 --> 00:24:54,360
Speaker 2: a position where you can fully comprehend what your next

546
00:24:54,400 --> 00:24:56,320
Speaker 2: steps should be. Yeah, I love that.

547
00:24:57,000 --> 00:24:59,640
Speaker 5: Just on that, I am probably not the best person

548
00:24:59,680 --> 00:25:01,480
Speaker 5: to be give advice because I currently have no I

549
00:25:01,520 --> 00:25:04,359
Speaker 5: love their site. I did notice when I was saving

550
00:25:04,560 --> 00:25:07,440
Speaker 5: back in the day, I would feel like putting ten

551
00:25:07,480 --> 00:25:09,880
Speaker 5: bucks away felt pointless, but it was the only thing

552
00:25:09,880 --> 00:25:12,359
Speaker 5: I could actually stick to. So even if at the

553
00:25:12,480 --> 00:25:15,200
Speaker 5: end of your budgeting masterclass, you sit down, you do everything,

554
00:25:15,200 --> 00:25:17,639
Speaker 5: you realize I only have fifteen dollars a month to

555
00:25:17,720 --> 00:25:21,320
Speaker 5: put away fifteen dollars four exactly, and eventually that will

556
00:25:21,560 --> 00:25:24,120
Speaker 5: that will grow I've started. I know this isn't your

557
00:25:24,200 --> 00:25:26,200
Speaker 5: favorite thing, but I have a piggybank that I was

558
00:25:26,359 --> 00:25:27,840
Speaker 5: just going to say, one of those money teas.

559
00:25:28,560 --> 00:25:29,399
Speaker 2: You kind love it.

560
00:25:29,960 --> 00:25:31,560
Speaker 5: There's the best because you can and like I know,

561
00:25:31,600 --> 00:25:33,719
Speaker 5: it's not like gaining interest or anything like that.

562
00:25:33,720 --> 00:25:36,399
Speaker 2: It's literally just sitting there losing value whatever.

563
00:25:36,560 --> 00:25:39,560
Speaker 5: But if it works, the only thing works for me

564
00:25:39,600 --> 00:25:41,760
Speaker 5: because I can't reach it, I can't transfer it back

565
00:25:41,760 --> 00:25:44,680
Speaker 5: to myself. Only put a little bit away and put

566
00:25:44,680 --> 00:25:46,800
Speaker 5: it somewhere where you literally cannot touch it.

567
00:25:46,880 --> 00:25:49,600
Speaker 2: No, I think that's great. And I also think that

568
00:25:49,640 --> 00:25:52,200
Speaker 2: there's no such thing as it's not worth it. Yeah,

569
00:25:52,200 --> 00:25:55,119
Speaker 2: because I promise, even if it is fifteen bucks, I

570
00:25:55,160 --> 00:25:58,119
Speaker 2: promised the day before payday, when you didn't have money before,

571
00:25:58,160 --> 00:26:00,359
Speaker 2: you're going to be grateful that fifteen bucks was saved

572
00:26:00,400 --> 00:26:02,080
Speaker 2: so that you can lean on it. It's fifteen dollars

573
00:26:02,160 --> 00:26:04,560
Speaker 2: you didn't have before. So I just think that from

574
00:26:04,640 --> 00:26:07,160
Speaker 2: little things, big things grow, and that fifteen dollars will

575
00:26:07,200 --> 00:26:09,320
Speaker 2: turn into thirty, and that thirty into sixty, and that's

576
00:26:09,320 --> 00:26:12,000
Speaker 2: sixty into one twenty and very soon you'll see that

577
00:26:12,080 --> 00:26:14,439
Speaker 2: compound and you'll be like, wow, I never thought I

578
00:26:14,560 --> 00:26:17,360
Speaker 2: was capable of this. And the reason you were capable

579
00:26:17,480 --> 00:26:20,360
Speaker 2: of it is because of the consistency. That's it. That's

580
00:26:20,440 --> 00:26:23,399
Speaker 2: the magic. I really, I really wish I could be like, Okay, guys,

581
00:26:23,480 --> 00:26:25,439
Speaker 2: I'm going to let you in on this top secret

582
00:26:25,520 --> 00:26:29,440
Speaker 2: tip to saving money. It just doesn't exist, and it's

583
00:26:29,440 --> 00:26:32,480
Speaker 2: going to look very different for everybody. And that's why

584
00:26:32,520 --> 00:26:35,879
Speaker 2: you need a process that helps you understand what it

585
00:26:35,920 --> 00:26:38,920
Speaker 2: looks like. Because your process back is not going to

586
00:26:38,960 --> 00:26:40,560
Speaker 2: look the same as ess and it's not going to

587
00:26:40,600 --> 00:26:42,600
Speaker 2: look the same as mine. So why am I looking

588
00:26:42,920 --> 00:26:44,000
Speaker 2: at the way you budget?

589
00:26:44,080 --> 00:26:44,399
Speaker 6: Yess?

590
00:26:45,560 --> 00:26:47,800
Speaker 2: Sorry, really good question. That's the fact that you're thinking

591
00:26:47,800 --> 00:26:50,200
Speaker 2: about it is a really good thing. Love love, love love.

592
00:26:50,280 --> 00:26:51,320
Speaker 7: If you want to get on top of your own

593
00:26:51,320 --> 00:26:52,840
Speaker 7: budget and cash flow. Will have a link in the

594
00:26:52,840 --> 00:26:54,680
Speaker 7: show notes where you can check out Victoria's Budget and

595
00:26:54,720 --> 00:26:56,720
Speaker 7: cash Flow master class. Over two and a half thousand

596
00:26:56,760 --> 00:26:57,639
Speaker 7: people have done it, which.

597
00:26:57,520 --> 00:27:00,240
Speaker 2: Is thousands, Isn't that insane? Also will hide a little

598
00:27:00,280 --> 00:27:02,480
Speaker 2: cheeky discount code in there. I am saying that right now,

599
00:27:02,520 --> 00:27:03,679
Speaker 2: I don't know what it's going to be, so you

600
00:27:03,680 --> 00:27:04,720
Speaker 2: have to go to the show notes.

601
00:27:04,560 --> 00:27:05,080
Speaker 7: To check it out.

602
00:27:05,080 --> 00:27:08,719
Speaker 2: By all right, let's unpack it. We have a community

603
00:27:08,760 --> 00:27:11,080
Speaker 2: dilemma to go through this week, and I feel like

604
00:27:11,200 --> 00:27:16,439
Speaker 2: this one, this one is an interesting one. Are you ready? Yes, hey, guys,

605
00:27:16,560 --> 00:27:20,760
Speaker 2: any advice? I absolutely love my job. The culture and

606
00:27:20,800 --> 00:27:23,240
Speaker 2: people are amazing, and I really enjoy the work I

607
00:27:23,280 --> 00:27:26,639
Speaker 2: get to do. The issue is I get paid well

608
00:27:26,640 --> 00:27:30,080
Speaker 2: below the industry standard. I work in finance, but at

609
00:27:30,119 --> 00:27:34,160
Speaker 2: a smaller startup company. I have had many conversations around

610
00:27:34,200 --> 00:27:36,920
Speaker 2: a pay rise. However, they always say there isn't room

611
00:27:36,960 --> 00:27:39,280
Speaker 2: for this at the moment, and we'd revisit it in

612
00:27:39,320 --> 00:27:43,080
Speaker 2: a few months. Problem is, a year later, nothing has changed.

613
00:27:43,400 --> 00:27:45,760
Speaker 2: I've been offered a job that is more than double

614
00:27:45,880 --> 00:27:50,240
Speaker 2: my current salary plus bonuses. However, the culture seems very

615
00:27:50,240 --> 00:27:53,760
Speaker 2: corporate and very competitive, very long hours, and the work

616
00:27:53,760 --> 00:27:57,240
Speaker 2: doesn't seem that interesting. I can already tell I won't

617
00:27:57,280 --> 00:28:00,000
Speaker 2: love it there. How much should I value work life

618
00:28:00,040 --> 00:28:03,480
Speaker 2: balance versus good culture at work? What I have now

619
00:28:03,640 --> 00:28:06,080
Speaker 2: is awesome, but it doesn't allow me to meet my

620
00:28:06,119 --> 00:28:09,480
Speaker 2: financial goals. But to meet these goals, I worry that

621
00:28:09,520 --> 00:28:12,679
Speaker 2: I'd have to sacrifice the enjoyment aspect I have at work.

622
00:28:12,920 --> 00:28:15,840
Speaker 2: I'm only twenty three and still new to working life,

623
00:28:15,880 --> 00:28:18,440
Speaker 2: so any words of wisdom are appreciated.

624
00:28:20,080 --> 00:28:21,040
Speaker 5: That's funny too.

625
00:28:21,280 --> 00:28:25,639
Speaker 2: Yeah, I don't want to go first on this one, Beck,

626
00:28:25,680 --> 00:28:28,520
Speaker 2: What would you do words? Pretend you work in finance?

627
00:28:28,680 --> 00:28:30,920
Speaker 5: Okay, Well, it's so easy for me because I don't

628
00:28:30,960 --> 00:28:34,440
Speaker 5: have any kids, I don't have a mortgage, I don't really.

629
00:28:34,200 --> 00:28:37,000
Speaker 2: Have any outrageous financial goals.

630
00:28:37,040 --> 00:28:40,200
Speaker 5: So I would literally just go with the culture culture

631
00:28:40,720 --> 00:28:44,480
Speaker 5: culture over anything else. If I'm happy, that's all that

632
00:28:44,480 --> 00:28:46,880
Speaker 5: matters really. But it is a real tough one.

633
00:28:46,880 --> 00:28:47,800
Speaker 2: It makes you I.

634
00:28:47,840 --> 00:28:52,400
Speaker 5: Assume you'd eventually be disenchanted with the workplace anyway, just

635
00:28:52,680 --> 00:28:55,520
Speaker 5: because they're paying you so little. But if that's not

636
00:28:55,560 --> 00:28:57,600
Speaker 5: happening and you're happy and you love the people you

637
00:28:57,640 --> 00:28:58,880
Speaker 5: work with, the culture.

638
00:28:58,600 --> 00:29:00,840
Speaker 2: Is great, I would stay.

639
00:29:00,960 --> 00:29:05,360
Speaker 5: But I don't have the pressures of yeah, children, mortgage,

640
00:29:05,400 --> 00:29:07,960
Speaker 5: all these other things that people might have to you know.

641
00:29:08,200 --> 00:29:09,640
Speaker 2: Yeah, try.

642
00:29:09,840 --> 00:29:12,440
Speaker 7: It comes down to your values, right, Like, yeah, it

643
00:29:12,520 --> 00:29:15,160
Speaker 7: depends on what responsibilities you have, what you have going on.

644
00:29:15,800 --> 00:29:18,560
Speaker 7: I would like to say, as someone who has worked

645
00:29:18,560 --> 00:29:19,440
Speaker 7: in workplaces where the.

646
00:29:19,400 --> 00:29:22,560
Speaker 2: Culture was pretty freaking average, stop talking about me. I'll

647
00:29:22,600 --> 00:29:23,959
Speaker 2: do it. I'll do it the more quietly.

648
00:29:24,160 --> 00:29:26,280
Speaker 7: No, but I've definitely done the thing where you take

649
00:29:26,320 --> 00:29:28,000
Speaker 7: the job and you don't love it, but it pays

650
00:29:28,000 --> 00:29:29,440
Speaker 7: the bills and puts food on the table, and that

651
00:29:29,520 --> 00:29:33,520
Speaker 7: is good enough. I do think, yes, absolutely, in an

652
00:29:33,560 --> 00:29:35,800
Speaker 7: ideal world, we deserve it all. We deserve great pay,

653
00:29:35,880 --> 00:29:38,280
Speaker 7: great culture, a life that we live and love to

654
00:29:38,280 --> 00:29:42,280
Speaker 7: the fullest. But can we also normalize the fact that

655
00:29:42,320 --> 00:29:46,560
Speaker 7: sometimes your job is just there to pay the bills, Like,

656
00:29:46,680 --> 00:29:49,440
Speaker 7: I don't think that there is anything wrong, and I

657
00:29:49,480 --> 00:29:51,720
Speaker 7: think there is a little bit of an ideology that

658
00:29:51,840 --> 00:29:55,200
Speaker 7: is sold that if you love what you do, you

659
00:29:55,280 --> 00:29:57,560
Speaker 7: won't work a day in your life, which simply is.

660
00:29:57,560 --> 00:29:59,040
Speaker 2: I work so hard. You can hear it in my

661
00:29:59,120 --> 00:30:02,080
Speaker 2: voice this week. Yeah I'm dead. You are dead. Yes,

662
00:30:02,240 --> 00:30:04,240
Speaker 2: you have had a massive week as well. Yeah, like

663
00:30:04,320 --> 00:30:05,920
Speaker 2: you just can't hear it as well in your voice,

664
00:30:05,960 --> 00:30:08,840
Speaker 2: like I'm so sick because I've worked myself into the ground, Jess.

665
00:30:08,880 --> 00:30:11,480
Speaker 2: I adore what I do. Everybody knows I adore what

666
00:30:11,520 --> 00:30:14,640
Speaker 2: you do as bullshit. Like absolutely, if you love what

667
00:30:14,720 --> 00:30:17,440
Speaker 2: you do, you will work harder than anyone else in

668
00:30:17,480 --> 00:30:20,040
Speaker 2: your life. I think is what that should say.

669
00:30:19,960 --> 00:30:23,120
Speaker 7: A thousand percent, And I think is your life more enjoyable?

670
00:30:23,360 --> 00:30:24,720
Speaker 2: Is there? Absolutely?

671
00:30:24,760 --> 00:30:28,200
Speaker 7: Like physiological benefits, psychological benefits to being in an environment

672
00:30:28,240 --> 00:30:31,480
Speaker 7: where you feel supported and you're I am not refuting that,

673
00:30:31,560 --> 00:30:34,520
Speaker 7: I'm not disputing it, but I think at the same time,

674
00:30:35,120 --> 00:30:38,120
Speaker 7: if you're going I'm barely making ends meet, and that

675
00:30:38,240 --> 00:30:39,320
Speaker 7: is stressing me out.

676
00:30:39,880 --> 00:30:40,719
Speaker 2: Take the job that day.

677
00:30:40,800 --> 00:30:42,680
Speaker 7: Like if someone said to me, you can double your salary,

678
00:30:43,280 --> 00:30:45,080
Speaker 7: it's at least something I think you should entertain.

679
00:30:45,280 --> 00:30:45,440
Speaker 1: Oh.

680
00:30:45,440 --> 00:30:48,160
Speaker 2: Absolutely, you always have the conversation, Always have the conversation.

681
00:30:48,240 --> 00:30:50,440
Speaker 2: And I'm not saying that that means that you should

682
00:30:50,440 --> 00:30:52,960
Speaker 2: absolutely leave, Like you need to think about how would

683
00:30:53,000 --> 00:30:55,480
Speaker 2: you cope if you were in a less positive environment,

684
00:30:55,560 --> 00:30:57,800
Speaker 2: how would you deal with the change of culture. But

685
00:30:57,840 --> 00:30:59,680
Speaker 2: you also don't know a culture until you get there.

686
00:30:59,720 --> 00:31:02,480
Speaker 2: Maybe he's always greener, grass is always greener. Maybe you'll

687
00:31:02,520 --> 00:31:04,600
Speaker 2: get there and you'll find a really great group of friends.

688
00:31:04,600 --> 00:31:06,920
Speaker 2: And even though it's a super corporate environment that makes

689
00:31:06,920 --> 00:31:08,800
Speaker 2: it worth well for you, maybe you won't and you'll

690
00:31:08,800 --> 00:31:09,760
Speaker 2: be totally miserable.

691
00:31:10,080 --> 00:31:12,440
Speaker 7: Either way, I think it is worth considering and it's

692
00:31:12,440 --> 00:31:18,080
Speaker 7: worth going. It's not necessarily your job's responsibility to fulfill

693
00:31:18,280 --> 00:31:20,000
Speaker 7: your happiness of your life.

694
00:31:19,800 --> 00:31:20,840
Speaker 2: Just in the same way that it's not.

695
00:31:21,200 --> 00:31:23,560
Speaker 7: You know, no one person can make your life totally

696
00:31:23,560 --> 00:31:25,200
Speaker 7: happy and fulfill everything that you need.

697
00:31:25,320 --> 00:31:27,680
Speaker 2: I think if a job has one of them do

698
00:31:27,760 --> 00:31:28,200
Speaker 2: that for me.

699
00:31:28,360 --> 00:31:30,600
Speaker 7: I agree, Lucy's the one thing on this planet that

700
00:31:30,680 --> 00:31:33,320
Speaker 7: it fulfills all needs at all times. But I think

701
00:31:33,360 --> 00:31:35,120
Speaker 7: that if you have one or the other, if you're

702
00:31:35,120 --> 00:31:38,840
Speaker 7: happy or you're earning great money, maybe sometimes that's enough.

703
00:31:39,080 --> 00:31:39,320
Speaker 1: Yeah.

704
00:31:39,400 --> 00:31:42,480
Speaker 2: I think we can also cancel this idea that your

705
00:31:42,560 --> 00:31:46,640
Speaker 2: job defines you as a person, Like I don't actually

706
00:31:46,760 --> 00:31:49,960
Speaker 2: care what my friends do. I have friends who work

707
00:31:50,000 --> 00:31:53,520
Speaker 2: in podcasting. I have a few friends who are very

708
00:31:53,560 --> 00:31:57,520
Speaker 2: fancy and ethetists, like real fancy doctors. I have friends

709
00:31:57,520 --> 00:31:59,440
Speaker 2: who work in retail, and I have one friend who

710
00:31:59,480 --> 00:32:01,280
Speaker 2: is a state so mum. I have a friend who's

711
00:32:01,320 --> 00:32:03,239
Speaker 2: currently not working because she create a job because her

712
00:32:03,240 --> 00:32:06,200
Speaker 2: boss was a douche canoe basically, And I was like, yeah, queen,

713
00:32:06,280 --> 00:32:08,280
Speaker 2: get it. I don't care what you do for your work.

714
00:32:08,280 --> 00:32:09,720
Speaker 2: As long as you are kind, as long as you

715
00:32:09,720 --> 00:32:11,800
Speaker 2: are nice, you are my people. So I think we

716
00:32:11,880 --> 00:32:14,560
Speaker 2: need to just throw this idea that that defines you

717
00:32:14,760 --> 00:32:18,080
Speaker 2: out the window. But then also the tone of this

718
00:32:18,240 --> 00:32:22,240
Speaker 2: message was really that you weren't unhappy in your job,

719
00:32:22,640 --> 00:32:25,160
Speaker 2: and I think that that needs to I guess weigh

720
00:32:25,200 --> 00:32:27,400
Speaker 2: in a little bit heavier. Yeah, we're talking about the

721
00:32:27,440 --> 00:32:31,600
Speaker 2: financial aspect. But I know when I've been underpaid, I

722
00:32:31,640 --> 00:32:35,440
Speaker 2: feel undervalued. And if I'm consistently going into a workplace

723
00:32:35,480 --> 00:32:39,360
Speaker 2: that I feel doesn't respect me for the you know,

724
00:32:39,560 --> 00:32:41,760
Speaker 2: the time, the energy, the effort that I put in

725
00:32:42,000 --> 00:32:45,040
Speaker 2: the value that I'm bringing to this organization, I feel

726
00:32:45,080 --> 00:32:46,880
Speaker 2: like that wouldn't have been the tone of voice of

727
00:32:46,920 --> 00:32:49,800
Speaker 2: my message. Yeah, Like I feel like when you say

728
00:32:49,840 --> 00:32:52,840
Speaker 2: you love the culture, like that goes a little bit

729
00:32:53,000 --> 00:32:56,480
Speaker 2: further beyond just loving you know, I love working with

730
00:32:56,560 --> 00:32:59,440
Speaker 2: Beck because Beck might be the only thing that you

731
00:32:59,520 --> 00:33:02,400
Speaker 2: love in that workplace and everything else sucks. But I

732
00:33:02,440 --> 00:33:06,160
Speaker 2: think that we need to talk about culture as more holistically. Clearly,

733
00:33:06,360 --> 00:33:09,840
Speaker 2: you feel valued in some way, shape or form. Maybe

734
00:33:09,920 --> 00:33:12,800
Speaker 2: not financially at this point, and back to Beck's point,

735
00:33:12,920 --> 00:33:15,000
Speaker 2: maybe you don't need that at this point in life.

736
00:33:15,120 --> 00:33:18,360
Speaker 2: Maybe it's an experience, but I do think it goes

737
00:33:18,400 --> 00:33:23,320
Speaker 2: back to having really wholesome, holistic conversations. I get the

738
00:33:23,360 --> 00:33:27,600
Speaker 2: startup life more than anybody does. I've done it multiple times,

739
00:33:27,800 --> 00:33:30,400
Speaker 2: and I've had to have conversations with people where I'm like, look,

740
00:33:30,440 --> 00:33:33,000
Speaker 2: this is the budget for this job. Take it or

741
00:33:33,080 --> 00:33:36,880
Speaker 2: leave it. I cannot stretch the budget any further for this.

742
00:33:37,280 --> 00:33:40,080
Speaker 2: And thankfully we're now not in that position where I

743
00:33:40,120 --> 00:33:43,000
Speaker 2: have to really really cap it. Now I can actually

744
00:33:43,000 --> 00:33:46,600
Speaker 2: remunerate super super well. But often when you work for

745
00:33:46,600 --> 00:33:50,240
Speaker 2: a small business, you are taking some level of compromise,

746
00:33:50,280 --> 00:33:53,360
Speaker 2: and that compromise usually is salary to make up for

747
00:33:53,440 --> 00:33:57,080
Speaker 2: that culture, to make up for the fulfillment that you get.

748
00:33:57,240 --> 00:33:59,000
Speaker 2: So you really need to have a think about, well,

749
00:33:59,200 --> 00:34:01,920
Speaker 2: what is this to do, and beyond financial gain, what

750
00:34:01,960 --> 00:34:03,760
Speaker 2: are you getting out of this? Is this a job

751
00:34:03,800 --> 00:34:06,400
Speaker 2: where you're getting way more experience out of this job,

752
00:34:06,440 --> 00:34:08,200
Speaker 2: So if you've stuck it out for another year, you'll

753
00:34:08,239 --> 00:34:11,280
Speaker 2: actually turbo charge what you'll earn in the future, versus

754
00:34:11,280 --> 00:34:14,040
Speaker 2: going to a corporate job that might silo you into

755
00:34:14,080 --> 00:34:16,520
Speaker 2: something where you know there's not actually a lot of

756
00:34:16,560 --> 00:34:18,719
Speaker 2: gain after that. I think we need to look at

757
00:34:18,719 --> 00:34:22,120
Speaker 2: the big picture, not the right now picture, because right now, Jess,

758
00:34:22,160 --> 00:34:23,760
Speaker 2: if I said do you want to earn double your salary,

759
00:34:23,840 --> 00:34:26,160
Speaker 2: you'd be like, yeah, that sounds sick. Yeah, but you're

760
00:34:26,200 --> 00:34:28,879
Speaker 2: not really thinking that. Hey, Jess, if you earn double

761
00:34:28,920 --> 00:34:31,240
Speaker 2: your salary today, you're never going to earn another dollar

762
00:34:31,360 --> 00:34:33,320
Speaker 2: for the rest of your life. Whereas if you carry

763
00:34:33,320 --> 00:34:35,360
Speaker 2: on on this trajectory, you're going to earn ten times

764
00:34:35,400 --> 00:34:37,480
Speaker 2: more in the next ten years. Like, I think we

765
00:34:37,560 --> 00:34:40,319
Speaker 2: need to look at the bigger picture as well. It

766
00:34:40,360 --> 00:34:44,560
Speaker 2: doesn't sound like you're super unhappy, so I'm rocking a

767
00:34:44,600 --> 00:34:46,560
Speaker 2: hard place. I think you need to sit down and

768
00:34:46,640 --> 00:34:48,960
Speaker 2: maybe even just do a pros and cons list. What

769
00:34:49,040 --> 00:34:51,440
Speaker 2: are you about this list? Where do you want to

770
00:34:51,480 --> 00:34:53,799
Speaker 2: see yourself in the next twelve months, in the next

771
00:34:53,840 --> 00:34:56,040
Speaker 2: five years. It's okay not to know if you can't

772
00:34:56,040 --> 00:34:58,640
Speaker 2: answer those things, But what do you actually want to

773
00:34:58,640 --> 00:35:02,319
Speaker 2: get out of job beyond financial gain? Yeah? One hundred cent.

774
00:35:02,400 --> 00:35:04,080
Speaker 7: What did everybody else say? Because it seems like it's

775
00:35:04,080 --> 00:35:05,320
Speaker 7: a bit split across the table.

776
00:35:05,760 --> 00:35:08,560
Speaker 2: So this was interesting because you and I just were

777
00:35:08,600 --> 00:35:11,040
Speaker 2: both on the I guess side of being like, sometimes

778
00:35:11,040 --> 00:35:13,480
Speaker 2: you can just go to a job and it's absolutely

779
00:35:13,520 --> 00:35:15,520
Speaker 2: fine not to love it, and they're done that. We

780
00:35:15,640 --> 00:35:18,680
Speaker 2: asked the community, do you think it's important to enjoy work?

781
00:35:18,880 --> 00:35:21,879
Speaker 2: Ninety seven percent of you said yes, three percent said no.

782
00:35:22,719 --> 00:35:24,959
Speaker 2: We asked what do you value more in a job?

783
00:35:25,719 --> 00:35:29,640
Speaker 2: Money and salary twenty eight percent, culture and work life

784
00:35:29,680 --> 00:35:33,520
Speaker 2: balance seventy two percent. Huge people like to sit in

785
00:35:33,560 --> 00:35:36,399
Speaker 2: the grass, Yeah, I love it. If you had two

786
00:35:36,520 --> 00:35:39,560
Speaker 2: job offers, which one would you take? A lower salary

787
00:35:39,600 --> 00:35:42,960
Speaker 2: but a great culture and work life seventy six percent,

788
00:35:43,719 --> 00:35:46,239
Speaker 2: And at twenty four percent we said yes to a

789
00:35:46,400 --> 00:35:50,279
Speaker 2: higher salary but poor culture and work life balance. There

790
00:35:50,280 --> 00:35:52,440
Speaker 2: were so many comments on this as well. A lot

791
00:35:52,440 --> 00:35:54,719
Speaker 2: of people had a lot to say. Someone said, I

792
00:35:54,760 --> 00:35:57,120
Speaker 2: want the best of both, worlds. Of course we all do.

793
00:35:57,239 --> 00:36:01,440
Speaker 2: We all do. Sometimes not the most realistic thing to want.

794
00:36:02,160 --> 00:36:04,800
Speaker 2: Someone said, time to negotiate if you've got another offer.

795
00:36:04,920 --> 00:36:09,120
Speaker 2: Sometimes employers need a push. Also a relevant point. Someone

796
00:36:09,200 --> 00:36:11,720
Speaker 2: else said, for a little bit more money, I would stay,

797
00:36:12,040 --> 00:36:14,640
Speaker 2: but considering the offer is double bye.

798
00:36:15,400 --> 00:36:16,560
Speaker 7: That's kind of how I feel as well.

799
00:36:16,680 --> 00:36:19,000
Speaker 2: Someone said, as much as I love good work culture,

800
00:36:19,239 --> 00:36:22,280
Speaker 2: you need to move companies and start earning more. Someone

801
00:36:22,280 --> 00:36:25,080
Speaker 2: else said, take the job offer for one to two years.

802
00:36:25,120 --> 00:36:27,040
Speaker 2: Then you can always come back to this job later

803
00:36:27,080 --> 00:36:30,800
Speaker 2: with more experience and or pay. Someone said, there's always

804
00:36:30,880 --> 00:36:34,200
Speaker 2: another opportunity for you. Maybe this isn't the right role,

805
00:36:34,239 --> 00:36:36,600
Speaker 2: but you should be exploring a different one. That's a

806
00:36:36,600 --> 00:36:37,480
Speaker 2: really good perspective.

807
00:36:37,760 --> 00:36:38,359
Speaker 3: I like that.

808
00:36:39,000 --> 00:36:41,879
Speaker 2: Someone said, use the other offer as leverage in your

809
00:36:41,880 --> 00:36:46,279
Speaker 2: current job. Yes, you never know, but I also do

810
00:36:46,360 --> 00:36:48,360
Speaker 2: think you need to be a little bit careful. So

811
00:36:48,719 --> 00:36:52,560
Speaker 2: this is probably a spicy employer opinion. And Jess is

812
00:36:52,600 --> 00:36:54,640
Speaker 2: laughing because she knows how I feel about this. I

813
00:36:54,680 --> 00:36:57,759
Speaker 2: know this is going if I'm in a position where

814
00:36:57,880 --> 00:37:01,640
Speaker 2: let's say Jess has interviewed with someone else and she's

815
00:37:01,640 --> 00:37:04,480
Speaker 2: gotten a bigger, better job offer, and let's say they're

816
00:37:04,480 --> 00:37:06,960
Speaker 2: going to offer her double. Let's say I can afford

817
00:37:07,080 --> 00:37:11,120
Speaker 2: to pay Jess double. I am an employer that believes

818
00:37:11,239 --> 00:37:14,240
Speaker 2: that we should be having open, honest conversation about salary

819
00:37:14,280 --> 00:37:17,319
Speaker 2: before you go external. If you're going external, I do

820
00:37:17,480 --> 00:37:20,719
Speaker 2: genuinely believe that it is about more than money. So

821
00:37:21,080 --> 00:37:24,880
Speaker 2: let's say Jess when external, I'm assuming me just paying

822
00:37:24,920 --> 00:37:27,680
Speaker 2: her more is not going to mean that she stays

823
00:37:27,920 --> 00:37:31,520
Speaker 2: ten plus years. I give it six months. I could

824
00:37:31,560 --> 00:37:34,600
Speaker 2: double Jess's salary, but I guarantee she was looking somewhere

825
00:37:34,600 --> 00:37:36,719
Speaker 2: else because she was disengaged with the job. She wasn't

826
00:37:36,760 --> 00:37:39,239
Speaker 2: happy with my management, she wasn't happy with something I

827
00:37:39,280 --> 00:37:42,440
Speaker 2: was doing. Because I know with the type of management

828
00:37:42,480 --> 00:37:44,160
Speaker 2: I have, Jess would turn to me and be like, hey,

829
00:37:44,200 --> 00:37:45,719
Speaker 2: there can we talk about my pain? And I'd be like, yeah,

830
00:37:45,719 --> 00:37:47,080
Speaker 2: do you want to grab coffee and have a chat.

831
00:37:48,000 --> 00:37:50,560
Speaker 2: If you're coming to me to say, hey, v I've

832
00:37:50,560 --> 00:37:52,680
Speaker 2: got this job offer, I want to counter offer. I'll

833
00:37:52,719 --> 00:37:56,480
Speaker 2: be like, no, worries, take the job, as you've already left.

834
00:37:56,719 --> 00:37:59,560
Speaker 2: In my mind, you've already been disengaged with the job.

835
00:38:00,000 --> 00:38:02,520
Speaker 2: So that's right or wrong, As I said Spicy Opinion

836
00:38:02,600 --> 00:38:05,880
Speaker 2: from somebody who is an employer. I don't want to

837
00:38:05,920 --> 00:38:09,359
Speaker 2: negotiate with a pre existing contract, do you know what?

838
00:38:09,719 --> 00:38:13,480
Speaker 2: I am not disregarding the fact that sometimes that's actually necessary.

839
00:38:13,840 --> 00:38:16,319
Speaker 2: Like I have got friends who've worked in like real

840
00:38:16,400 --> 00:38:19,719
Speaker 2: estate and more like corporate roles where they've actually had

841
00:38:19,719 --> 00:38:21,440
Speaker 2: to go get another offer and slam it down on

842
00:38:21,480 --> 00:38:23,879
Speaker 2: their boss's table and be like, hey, mate, I've got

843
00:38:23,880 --> 00:38:25,920
Speaker 2: this offer, match it or I'm out, and then they

844
00:38:25,920 --> 00:38:28,520
Speaker 2: match it and they're so happy. And that's a ten

845
00:38:28,560 --> 00:38:31,840
Speaker 2: out of ten. You need to read the room, because

846
00:38:32,040 --> 00:38:35,200
Speaker 2: if you came to me with that, I would be like, Okay, Beck,

847
00:38:35,280 --> 00:38:37,680
Speaker 2: I'm so sorry I couldn't fulfill you. Like you know,

848
00:38:37,880 --> 00:38:40,520
Speaker 2: that looks like a really good job offer. You've obviously

849
00:38:40,560 --> 00:38:43,359
Speaker 2: thought about this. I wish you the best. I'm not

850
00:38:43,400 --> 00:38:45,799
Speaker 2: going to like I'm not in a position where I

851
00:38:45,800 --> 00:38:48,200
Speaker 2: want to negotiate with you. I don't care how much

852
00:38:48,320 --> 00:38:50,920
Speaker 2: value you put into my business, because I want you

853
00:38:51,000 --> 00:38:53,440
Speaker 2: to be connected. I want you to be talking to

854
00:38:53,480 --> 00:38:56,759
Speaker 2: me and yeah, whether that is right or wrong, we're

855
00:38:56,760 --> 00:39:01,120
Speaker 2: not disregarding the fact that sometimes that's necessary for my business.

856
00:39:01,160 --> 00:39:02,879
Speaker 2: I think you need to kind of read the room

857
00:39:02,880 --> 00:39:04,640
Speaker 2: and work out whether that's the best way to go

858
00:39:04,680 --> 00:39:05,360
Speaker 2: about it or not.

859
00:39:05,640 --> 00:39:07,239
Speaker 7: I think if you're going to put a counter offer

860
00:39:07,320 --> 00:39:09,200
Speaker 7: on the table and use it as leverage, you have

861
00:39:09,239 --> 00:39:11,120
Speaker 7: to be prepared to walk away. Like I wouldn't use

862
00:39:11,160 --> 00:39:14,600
Speaker 7: that as a technique purely increase your salary, if you're like,

863
00:39:14,680 --> 00:39:16,640
Speaker 7: I actually don't want this other job, but I'm going

864
00:39:16,719 --> 00:39:18,560
Speaker 7: to use it to increase my salary, because there's a

865
00:39:18,600 --> 00:39:20,880
Speaker 7: good chance that you will get your employer off hand.

866
00:39:21,239 --> 00:39:23,480
Speaker 7: I think if you're in a position where you're like, oh,

867
00:39:23,520 --> 00:39:24,399
Speaker 7: I could go either way.

868
00:39:24,400 --> 00:39:26,160
Speaker 2: Do I stay, do I go? I am happy here.

869
00:39:26,239 --> 00:39:26,879
Speaker 2: I like it here.

870
00:39:27,239 --> 00:39:29,040
Speaker 7: If they match the salary, I would love to stay.

871
00:39:29,080 --> 00:39:31,399
Speaker 7: If they won't match it, I'm happy to leave. Then

872
00:39:31,440 --> 00:39:32,800
Speaker 7: it's a time that you can bring it into the

873
00:39:32,800 --> 00:39:35,560
Speaker 7: conversation and say, hey, I do really like it here,

874
00:39:35,560 --> 00:39:38,399
Speaker 7: I do want to stay. But you know, if I'm

875
00:39:38,400 --> 00:39:40,680
Speaker 7: being offered double my salary, like, of course, I'll think

876
00:39:40,680 --> 00:39:43,239
Speaker 7: about that. But I don't think it's a technique that

877
00:39:43,280 --> 00:39:45,919
Speaker 7: you should use unless you are in the position where

878
00:39:45,920 --> 00:39:49,080
Speaker 7: you're like, if they're a shove, yeah, I would be

879
00:39:49,120 --> 00:39:51,480
Speaker 7: happy to walk away. Yeah, Because I think people I

880
00:39:51,520 --> 00:39:53,839
Speaker 7: think so too, and I'm always willing to have an open,

881
00:39:53,880 --> 00:39:56,759
Speaker 7: honest conversation, and I don't think a lot of employers are.

882
00:39:56,880 --> 00:39:59,319
Speaker 7: Let's be honest, and you know what, what if Jess

883
00:39:59,320 --> 00:40:02,880
Speaker 7: got a rogue off from like another podcast brand and

884
00:40:02,920 --> 00:40:05,440
Speaker 7: they were like, Jess, whatever you're doing, we'll give you double,

885
00:40:05,560 --> 00:40:07,279
Speaker 7: just like Vay did you know I got this?

886
00:40:07,400 --> 00:40:10,600
Speaker 2: I'd be like, oh my god, who was it? I

887
00:40:10,640 --> 00:40:12,200
Speaker 2: need to know it, need to know what's going on.

888
00:40:12,560 --> 00:40:15,040
Speaker 2: But I think it's tread with caution with that one,

889
00:40:15,080 --> 00:40:18,200
Speaker 2: because I know that that is an aggressive way of

890
00:40:18,239 --> 00:40:22,440
Speaker 2: going about it. Sometimes it is necessary. Someone else dmd

891
00:40:22,480 --> 00:40:24,440
Speaker 2: US and they said, in your interviews, make sure to

892
00:40:24,480 --> 00:40:28,080
Speaker 2: ask about culture, how they support balance, and whatever else

893
00:40:28,160 --> 00:40:31,160
Speaker 2: is important to you, and also do your research into

894
00:40:31,200 --> 00:40:35,040
Speaker 2: their leadership team and their business reviews. One interview is

895
00:40:35,080 --> 00:40:37,440
Speaker 2: a good way to gauge the style and culture of

896
00:40:37,480 --> 00:40:40,400
Speaker 2: the place. I promise there are always going to be

897
00:40:40,400 --> 00:40:43,480
Speaker 2: better options out there for you. I think that's probably

898
00:40:43,719 --> 00:40:45,799
Speaker 2: a good place to wrap it, to be honest, But

899
00:40:45,920 --> 00:40:48,600
Speaker 2: I think it's just about knowing your worth. But also

900
00:40:48,960 --> 00:40:51,040
Speaker 2: it sounds a little bit like you don't know what

901
00:40:51,080 --> 00:40:55,200
Speaker 2: your values are as clearly as they should be. Because

902
00:40:55,360 --> 00:40:57,719
Speaker 2: what I would want to hear in that circumstance is

903
00:40:58,080 --> 00:41:00,000
Speaker 2: Oh yeah, like I don't get paid the best pay.

904
00:41:00,080 --> 00:41:02,160
Speaker 2: Oh my gosh. I'm learning this, this and this, and

905
00:41:02,200 --> 00:41:04,160
Speaker 2: I love the team and I love the culture. Maybe

906
00:41:04,160 --> 00:41:06,319
Speaker 2: in the future I'll change my tune, but right now

907
00:41:06,360 --> 00:41:08,640
Speaker 2: I'm really happy. I want to hear that, or I

908
00:41:08,640 --> 00:41:10,480
Speaker 2: want to hear it. Look at the end of the day, like,

909
00:41:10,600 --> 00:41:13,520
Speaker 2: I'm not that happy deeply, and I do need to

910
00:41:13,560 --> 00:41:15,239
Speaker 2: move on. It might not be that role that you're

911
00:41:15,360 --> 00:41:19,280
Speaker 2: being offered double willing, but you might start exploring other opportunities.

912
00:41:19,640 --> 00:41:21,880
Speaker 7: Yeah, now you go make a personal cons list.

913
00:41:21,680 --> 00:41:23,239
Speaker 2: Maybe to make your life easier. Oh my gosh. I

914
00:41:23,239 --> 00:41:25,960
Speaker 2: feel like this has been a very very well rounded

915
00:41:26,080 --> 00:41:30,640
Speaker 2: conversation today, from Antoinette's cameo and first jingle on the

916
00:41:30,680 --> 00:41:33,920
Speaker 2: show to talking about pay and talking about how to

917
00:41:33,960 --> 00:41:37,319
Speaker 2: start saving and bis, I just think everything has been

918
00:41:37,400 --> 00:41:40,359
Speaker 2: really good today. Ten out of ten, ten out of ten,

919
00:41:40,520 --> 00:41:43,640
Speaker 2: we have tickets on ourselves. Guys, have the best weekend,

920
00:41:43,760 --> 00:41:50,480
Speaker 2: and we'll see you on Monday. Bye bye.

921
00:41:52,800 --> 00:41:55,360
Speaker 4: The advice shared on She's on the Money is general

922
00:41:55,400 --> 00:41:58,680
Speaker 4: in nature and does not consider your individual circumstances.

923
00:41:59,000 --> 00:42:02,400
Speaker 2: She's on the Money sists purely for educational purposes and

924
00:42:02,440 --> 00:42:04,880
Speaker 2: should not be relied upon to make an investment or

925
00:42:04,960 --> 00:42:08,560
Speaker 2: financial decision. If you do choose to buy a financial product,

926
00:42:08,640 --> 00:42:12,600
Speaker 2: read the PDS TMD and obtain appropriate financial advice tailored

927
00:42:12,640 --> 00:42:13,520
Speaker 2: towards your needs.

928
00:42:13,880 --> 00:42:17,840
Speaker 4: Victoria Divine and She's on the Money are authorized representatives

929
00:42:17,880 --> 00:42:21,520
Speaker 4: of Money Sherper Pty Ltd a BN three two one

930
00:42:21,760 --> 00:42:25,640
Speaker 4: six four nine two seven seven zero eight AFSL four

931
00:42:25,719 --> 00:42:27,200
Speaker 4: five one two eight nine