1 00:00:00,200 --> 00:00:03,000 Speaker 1: She's on the Money. She's on the Money. 2 00:00:17,160 --> 00:00:19,560 Speaker 2: Hello, and welcome to She's on the Money. The podcast 3 00:00:19,560 --> 00:00:22,480 Speaker 2: and Millennials who Want Financial Freedom Today is a money 4 00:00:22,520 --> 00:00:24,680 Speaker 2: diary episode, and I think this is quite. 5 00:00:24,440 --> 00:00:26,439 Speaker 3: An interesting one, Vie. Do you want to read that email? 6 00:00:26,600 --> 00:00:30,200 Speaker 1: I do so. This is from someone who's called themselves 7 00:00:30,240 --> 00:00:33,640 Speaker 1: divorced with no financial skills, and she says, I've just 8 00:00:33,800 --> 00:00:37,360 Speaker 1: recently divorced after seven years of marriage and fourteen years 9 00:00:37,400 --> 00:00:40,159 Speaker 1: in the relationship. I'm a personal assistant in a law 10 00:00:40,200 --> 00:00:44,239 Speaker 1: firm with no university qualifications. I had never managed finances 11 00:00:44,280 --> 00:00:46,479 Speaker 1: on my own in my adult life, and the prospect 12 00:00:46,520 --> 00:00:50,279 Speaker 1: of doing this alone was incredibly daunting. I had to 13 00:00:50,280 --> 00:00:52,199 Speaker 1: move out of the property we shared and into a 14 00:00:52,280 --> 00:00:54,680 Speaker 1: sharehouse for a couple of months to get some money together. 15 00:00:55,080 --> 00:00:57,240 Speaker 1: Then I moved into a rental property a couple of 16 00:00:57,320 --> 00:00:59,760 Speaker 1: months after that. I had to take on debt from 17 00:00:59,840 --> 00:01:02,400 Speaker 1: our car loan, and I also had to buy everything 18 00:01:02,440 --> 00:01:05,760 Speaker 1: for my new apartment or my credit card. Eighteen months 19 00:01:05,760 --> 00:01:07,959 Speaker 1: down the track, we sold a property that we owned 20 00:01:08,000 --> 00:01:10,840 Speaker 1: and split it fifty to fifty. It wasn't loads of money, 21 00:01:10,840 --> 00:01:13,280 Speaker 1: but I did pay off my car loan, my credit card, 22 00:01:13,319 --> 00:01:15,960 Speaker 1: and I was able to start an emergency fund. I'm 23 00:01:15,959 --> 00:01:18,560 Speaker 1: currently in the process of talking to a financial advisor 24 00:01:18,640 --> 00:01:21,200 Speaker 1: about investing some of the remaining money because I don't 25 00:01:21,240 --> 00:01:23,520 Speaker 1: want to buy a property at this point. It's been 26 00:01:23,600 --> 00:01:25,920 Speaker 1: scary learning how to manage and budget on my own. 27 00:01:26,240 --> 00:01:28,040 Speaker 1: Never did I think I'd be able to afford to 28 00:01:28,120 --> 00:01:31,039 Speaker 1: rent a beautiful apartment completely on my own, have some 29 00:01:31,160 --> 00:01:33,959 Speaker 1: savings and be thinking about investings and money as I 30 00:01:34,000 --> 00:01:36,360 Speaker 1: was under the impression that I was rubbish with money 31 00:01:36,400 --> 00:01:37,199 Speaker 1: this whole time. 32 00:01:38,360 --> 00:01:39,280 Speaker 3: What do you think of that story? 33 00:01:39,360 --> 00:01:42,520 Speaker 1: V I think it's so common. I genuinely think that 34 00:01:42,520 --> 00:01:44,959 Speaker 1: there are going to be people listening to this that 35 00:01:45,000 --> 00:01:47,440 Speaker 1: are like, ah, change the years in the relationship, and 36 00:01:47,520 --> 00:01:48,480 Speaker 1: that is my story. 37 00:01:48,720 --> 00:01:49,720 Speaker 3: Yep, unbelievable. 38 00:01:49,760 --> 00:01:52,800 Speaker 2: Now, Hello money Dires, thanks for joining us today. 39 00:01:53,040 --> 00:01:55,160 Speaker 4: A new problem, Hello Visa. 40 00:01:55,200 --> 00:01:58,200 Speaker 2: Fair to say that already we're like quite proud of 41 00:01:58,200 --> 00:01:59,360 Speaker 2: someone who's just you. 42 00:01:59,320 --> 00:02:00,400 Speaker 3: Know a lot. 43 00:02:01,080 --> 00:02:04,120 Speaker 1: What a legend. You've gone from not knowing at all 44 00:02:04,520 --> 00:02:06,680 Speaker 1: to being in a situation where you're talking to a 45 00:02:06,720 --> 00:02:10,919 Speaker 1: financial advisor about investing what I know? Who is she? 46 00:02:13,880 --> 00:02:15,960 Speaker 1: Are you proud of this journey that you've been on? 47 00:02:16,639 --> 00:02:21,080 Speaker 4: Yeah, yeah, immensely prode. It's been it's been scary, like 48 00:02:21,160 --> 00:02:27,160 Speaker 4: it's been scary, and obviously it's been like traumatics. Probably 49 00:02:25,919 --> 00:02:31,880 Speaker 4: the yeah, yeah, probably actually is, especially like you know, 50 00:02:31,960 --> 00:02:33,680 Speaker 4: no family over here and all the rest of it. 51 00:02:33,760 --> 00:02:36,760 Speaker 4: But it's yeah, I'm very very proud of where I 52 00:02:36,800 --> 00:02:39,320 Speaker 4: am at the moment. It's been a couple of years, 53 00:02:39,360 --> 00:02:40,680 Speaker 4: but I've done it. 54 00:02:40,919 --> 00:02:42,679 Speaker 1: Oh my gosh. I love that and I can't wait 55 00:02:42,720 --> 00:02:45,200 Speaker 1: to have a chat with you. But in very traditional 56 00:02:45,240 --> 00:02:48,760 Speaker 1: she's on the money money diary sense, let's jump straight 57 00:02:48,800 --> 00:02:51,760 Speaker 1: into the questions and I'll save all my pervio questions 58 00:02:51,760 --> 00:02:52,800 Speaker 1: for the end. Is that all right? 59 00:02:53,200 --> 00:02:53,399 Speaker 4: Yeah? 60 00:02:53,440 --> 00:02:56,160 Speaker 1: No, broad perfection. So let's start off with what is 61 00:02:56,200 --> 00:02:59,240 Speaker 1: your current attitude towards money and how has it changed. 62 00:02:59,720 --> 00:03:03,160 Speaker 4: I'm much more I'm much more careful with it. A 63 00:03:03,200 --> 00:03:05,720 Speaker 4: few years back back, when you know, still married, I 64 00:03:05,760 --> 00:03:08,560 Speaker 4: was very sort of I like I said in the email, 65 00:03:08,560 --> 00:03:12,119 Speaker 4: I was always under the impression that I wasn't very 66 00:03:12,160 --> 00:03:13,919 Speaker 4: good with it, and I don't think that was actually 67 00:03:14,000 --> 00:03:16,720 Speaker 4: the case. I guess I just didn't have the opportunity 68 00:03:16,800 --> 00:03:21,520 Speaker 4: to have some independence with it. I'm careful with it, 69 00:03:22,680 --> 00:03:25,359 Speaker 4: but I'm also not scared of it. Anymore either. I 70 00:03:25,400 --> 00:03:29,320 Speaker 4: was money was always a massive worry, and I'm not 71 00:03:29,360 --> 00:03:30,160 Speaker 4: so scared of it. 72 00:03:30,680 --> 00:03:32,840 Speaker 1: I love you said you're not scared of it anymore, 73 00:03:32,880 --> 00:03:35,880 Speaker 1: because yes, it's so common. Regardless of whether you're in 74 00:03:35,920 --> 00:03:38,320 Speaker 1: debt or not in debt, or you know, in a 75 00:03:38,360 --> 00:03:41,240 Speaker 1: situation where you have a good income or not, there 76 00:03:41,280 --> 00:03:43,720 Speaker 1: are a lot of people who are genuinely worried about money. 77 00:03:44,280 --> 00:03:45,680 Speaker 4: Yes, yeah, yeah, definitely. 78 00:03:45,720 --> 00:03:47,520 Speaker 1: It's not good and that's what we're working towards. But 79 00:03:47,600 --> 00:03:49,119 Speaker 1: I'm so glad that you were out of it. 80 00:03:49,520 --> 00:03:49,880 Speaker 3: All right. 81 00:03:50,240 --> 00:03:52,200 Speaker 1: So what do you do for work? And how much 82 00:03:52,240 --> 00:03:53,320 Speaker 1: do you currently earn? 83 00:03:54,200 --> 00:03:57,240 Speaker 4: Okay, so I'm a PA in a law firm and 84 00:03:57,280 --> 00:04:01,880 Speaker 4: I'm currently on seventy five exclusive a super. 85 00:04:01,760 --> 00:04:04,800 Speaker 1: And that's pretty good. That's not bad. Hold on, that's 86 00:04:04,840 --> 00:04:06,400 Speaker 1: not bad for someone who said that you had no 87 00:04:06,480 --> 00:04:08,680 Speaker 1: unique qualifications. Yeah, killing it. 88 00:04:09,480 --> 00:04:12,080 Speaker 4: Yeah, no, I'm pretty pleased with it. You know, it's 89 00:04:12,120 --> 00:04:13,880 Speaker 4: definitely like paper bills. 90 00:04:14,360 --> 00:04:16,120 Speaker 1: Is it too pervy to ask how old you are? 91 00:04:16,360 --> 00:04:17,039 Speaker 4: I'm thirty four. 92 00:04:17,320 --> 00:04:20,279 Speaker 1: Oh that's good. Yeah, that is very good. 93 00:04:20,839 --> 00:04:22,960 Speaker 2: We have a money narist in a few weeks who 94 00:04:23,080 --> 00:04:25,440 Speaker 2: I think their name is going to be the only 95 00:04:25,480 --> 00:04:28,720 Speaker 2: one in the boardroom without a university degree or who's 96 00:04:28,760 --> 00:04:29,640 Speaker 2: finished high school. 97 00:04:29,960 --> 00:04:36,159 Speaker 4: Oh, that's amazing, killing it, killing it, yeah, because sorry 98 00:04:36,160 --> 00:04:37,760 Speaker 4: to sidetrackers, there's often a lot of chatter. 99 00:04:38,080 --> 00:04:39,600 Speaker 2: I don't have a degree, so it's going to limit 100 00:04:39,600 --> 00:04:41,760 Speaker 2: my options. But I mean not always. 101 00:04:42,080 --> 00:04:44,200 Speaker 1: Okay, yes, isn't it? 102 00:04:44,880 --> 00:04:47,680 Speaker 4: Yeah? Yeah, exactly exactly. Sometimes get out there and get 103 00:04:47,680 --> 00:04:50,760 Speaker 4: the experience, you know, that's always it's the best sometimes 104 00:04:50,760 --> 00:04:51,280 Speaker 4: the better way. 105 00:04:51,680 --> 00:04:54,680 Speaker 1: Definitely. All right, So how do you feel about investing 106 00:04:54,760 --> 00:04:56,279 Speaker 1: and do you currently invest? 107 00:04:57,160 --> 00:05:02,000 Speaker 4: Okay, so I'm currently I've got this faceship and the 108 00:05:02,080 --> 00:05:07,040 Speaker 4: raise apps and basically just through listening to you guys, 109 00:05:07,080 --> 00:05:08,960 Speaker 4: so I was just sort of gabbling just to see 110 00:05:08,960 --> 00:05:12,080 Speaker 4: how I felt, you know, get essentially, just get your 111 00:05:12,080 --> 00:05:14,280 Speaker 4: confidence up with it, see how it works. I mean, 112 00:05:14,279 --> 00:05:16,960 Speaker 4: I still don't. I don't massively, you know, I don't 113 00:05:17,000 --> 00:05:20,039 Speaker 4: have a massive understanding of it. But I find it 114 00:05:20,120 --> 00:05:24,240 Speaker 4: quite interesting watching it go up and down. And as 115 00:05:24,279 --> 00:05:27,120 Speaker 4: I said in the email, I'm currently talking to a 116 00:05:27,160 --> 00:05:32,719 Speaker 4: financial advisor about investing the rest of the money. I 117 00:05:32,760 --> 00:05:35,720 Speaker 4: feel pretty like it's a bit daunting. It's a bit 118 00:05:35,800 --> 00:05:39,200 Speaker 4: scary to to not be keeping it in savings, but 119 00:05:39,240 --> 00:05:43,400 Speaker 4: also it's exciting. It's exciting to be thinking about doing 120 00:05:43,440 --> 00:05:44,279 Speaker 4: something like that. 121 00:05:44,440 --> 00:05:47,360 Speaker 1: So one percent, I'm really excited for you. 122 00:05:48,040 --> 00:05:50,560 Speaker 4: Yeah. Yeah, Now I'm like I said, it's a it's 123 00:05:50,560 --> 00:05:53,640 Speaker 4: a bit daunted because you know, I think most people, 124 00:05:53,760 --> 00:05:55,360 Speaker 4: you know, you, just don't ever think that you would 125 00:05:55,400 --> 00:05:58,080 Speaker 4: have a I don't know, share portfolio. It's just sounds 126 00:05:58,160 --> 00:06:00,599 Speaker 4: really odd to say that, but it's it's awesome. 127 00:06:00,880 --> 00:06:03,880 Speaker 1: Yeah, it is awesome, and there'll be more people because 128 00:06:03,880 --> 00:06:06,880 Speaker 1: of that. She's on the Money podcast investing, and I'm 129 00:06:07,040 --> 00:06:10,280 Speaker 1: genuinely so proud of that, Like it makes me so 130 00:06:10,400 --> 00:06:13,560 Speaker 1: great that people should be. 131 00:06:13,680 --> 00:06:15,800 Speaker 4: Yeah, yeah, you should be, because honestly, I wouldn't have 132 00:06:15,880 --> 00:06:18,920 Speaker 4: been if it wasn't for the podcast. There's no way 133 00:06:19,080 --> 00:06:20,680 Speaker 4: I would have thought about investing. 134 00:06:20,839 --> 00:06:21,600 Speaker 1: Oh my gosh. 135 00:06:21,680 --> 00:06:22,720 Speaker 4: Yes yeah. 136 00:06:24,560 --> 00:06:27,560 Speaker 1: Back to questions, back to questions, what the debt? Do 137 00:06:27,640 --> 00:06:33,239 Speaker 1: you currently have zero? Zero debt? Well completely after all. 138 00:06:33,080 --> 00:06:35,440 Speaker 4: Of that, yes, yeah, yeah, I was in a fair 139 00:06:35,520 --> 00:06:36,240 Speaker 4: bit of debt, so. 140 00:06:36,360 --> 00:06:38,080 Speaker 1: Yeah, a queen, I love it. 141 00:06:38,200 --> 00:06:40,520 Speaker 2: Just a quick Well, what was the moment like when 142 00:06:40,520 --> 00:06:44,200 Speaker 2: you said, yeah, you know, you split the property proceeds 143 00:06:44,200 --> 00:06:46,760 Speaker 2: fifty to fifty and that moment where you just went bang, 144 00:06:48,000 --> 00:06:49,359 Speaker 2: credit card gone, how did it feel? 145 00:06:50,000 --> 00:06:55,839 Speaker 4: Relief? Complete relief, like not that panic about living, because 146 00:06:55,880 --> 00:06:58,440 Speaker 4: I mean and most people do, and you know, it's 147 00:06:58,480 --> 00:07:01,280 Speaker 4: still a learning process, but not live paycheck to paycheck 148 00:07:01,640 --> 00:07:05,200 Speaker 4: desperately trying to scrabble together money to pay off you know, 149 00:07:05,400 --> 00:07:08,280 Speaker 4: a loan, a credit card, well to credit cards actually, 150 00:07:08,640 --> 00:07:11,920 Speaker 4: and then you know, pay bills, make sure you're also living. 151 00:07:12,360 --> 00:07:14,720 Speaker 4: So relief, complete and utter relief. 152 00:07:15,320 --> 00:07:17,200 Speaker 1: So did you celebrate in any way? 153 00:07:17,560 --> 00:07:19,720 Speaker 4: Yes? Yeah, yeah, yeah, went out for a meal with 154 00:07:19,800 --> 00:07:22,680 Speaker 4: friends and my current partner. So yeah, I love that. 155 00:07:22,880 --> 00:07:26,720 Speaker 1: I love that everybody is celebrating with you too. Yeah yeah, 156 00:07:27,760 --> 00:07:30,800 Speaker 1: all right. Next question is what is your best money habit. 157 00:07:31,520 --> 00:07:34,320 Speaker 4: I guess my best money money habit would be budgeting. 158 00:07:34,720 --> 00:07:38,040 Speaker 4: I'm pretty good now. I wasn't before, but it's budgeting. 159 00:07:38,600 --> 00:07:41,440 Speaker 4: I've got like a little spreadsheet that I have like 160 00:07:41,480 --> 00:07:44,120 Speaker 4: a couple of months ahead, if you know, I do 161 00:07:44,160 --> 00:07:46,600 Speaker 4: a couple of months ahead. I have the bills that 162 00:07:46,640 --> 00:07:49,800 Speaker 4: I'm expecting to come out, and you know, your your 163 00:07:50,120 --> 00:07:53,200 Speaker 4: the usual expenses and just making sure that I thought, 164 00:07:53,440 --> 00:07:55,480 Speaker 4: I try and follow that as best I can do. 165 00:07:55,560 --> 00:07:58,040 Speaker 2: You have the She's on the Money cash Flow and 166 00:07:58,080 --> 00:08:02,400 Speaker 2: Budgeting Masterclass, No, I don't and I should shouldn't. I, Well, 167 00:08:02,520 --> 00:08:04,800 Speaker 2: we'll send you Victoria and I will send you one 168 00:08:04,840 --> 00:08:05,239 Speaker 2: for free. 169 00:08:05,320 --> 00:08:08,560 Speaker 4: Okay after this, Okay, cool, thank you. 170 00:08:08,000 --> 00:08:09,040 Speaker 3: You're welcome. It's really great. 171 00:08:09,040 --> 00:08:11,840 Speaker 2: It'll set yourself up and it sounds like the spreadsheets 172 00:08:11,840 --> 00:08:13,320 Speaker 2: are doing a pretty good job. But I think you'll 173 00:08:13,320 --> 00:08:16,680 Speaker 2: be as nerdy as thrilled to say how easy it is. 174 00:08:17,800 --> 00:08:19,280 Speaker 4: Yeah, yeah, every little help. 175 00:08:19,560 --> 00:08:24,280 Speaker 1: That's awesome than the spreadsheet I've created. Very proud of me. 176 00:08:24,360 --> 00:08:29,680 Speaker 1: Spread Moving on in comparison to that, what is your 177 00:08:29,720 --> 00:08:30,440 Speaker 1: worst money? 178 00:08:30,480 --> 00:08:30,680 Speaker 2: Have it? 179 00:08:31,040 --> 00:08:34,440 Speaker 4: Buying things that I don't need? I'm an impulse buyer. 180 00:08:37,520 --> 00:08:38,480 Speaker 1: It gets the best of us. 181 00:08:38,800 --> 00:08:41,040 Speaker 4: Yeah, you know, sort of like, oh, well I'll treat yourself. 182 00:08:41,320 --> 00:08:43,559 Speaker 4: I deserve it. You know you've been really good this month, 183 00:08:43,760 --> 00:08:45,360 Speaker 4: or oh, I don't know, you've had a bit as 184 00:08:45,400 --> 00:08:48,240 Speaker 4: a crap day or something like that. So yeah, that's 185 00:08:48,400 --> 00:08:49,120 Speaker 4: that's my worst. 186 00:08:49,200 --> 00:08:52,360 Speaker 1: Definitely, that's fair enough. I think, very relatable to Yeah, 187 00:08:52,440 --> 00:08:54,719 Speaker 1: what kind of things I know for me? 188 00:08:55,400 --> 00:08:59,640 Speaker 4: New cars or is it nac Yeah, no, it would 189 00:09:00,200 --> 00:09:04,040 Speaker 4: usually I'm a fan of ku Kai, so yeah, rolling 190 00:09:04,120 --> 00:09:06,199 Speaker 4: past there and having a little look at the jewelry 191 00:09:06,240 --> 00:09:11,280 Speaker 4: or any top ku Kai and I'm a nightmare for avoid. 192 00:09:12,480 --> 00:09:17,000 Speaker 2: All right, when you said cook, what's the name of 193 00:09:17,000 --> 00:09:17,959 Speaker 2: a stationary store? 194 00:09:18,280 --> 00:09:18,520 Speaker 3: Kik? 195 00:09:19,080 --> 00:09:23,120 Speaker 2: Yes, okay, So when you said cook, I imagine and 196 00:09:23,120 --> 00:09:28,160 Speaker 2: I was like, okay, Like everyone's got their things. 197 00:09:28,040 --> 00:09:29,960 Speaker 3: Like to go back like multiple times a week, like 198 00:09:30,160 --> 00:09:30,600 Speaker 3: just picked up. 199 00:09:30,920 --> 00:09:35,240 Speaker 1: That's me. There is a kigik store in is it imporium? 200 00:09:35,280 --> 00:09:38,200 Speaker 1: Hearing that and he's right beside the food court, and 201 00:09:38,280 --> 00:09:41,160 Speaker 1: I always go back with like new stationary. I don't need. 202 00:09:42,800 --> 00:09:46,479 Speaker 4: The diaries. I love a paper diary. 203 00:09:46,600 --> 00:09:50,000 Speaker 1: Yes, And everything's so aesthetic and you're like, yeah, life together, 204 00:09:50,200 --> 00:09:56,280 Speaker 1: and then you don't. You just don't alright away from 205 00:09:56,400 --> 00:09:59,600 Speaker 1: cook and Kik? What is your b A good money 206 00:09:59,600 --> 00:10:00,880 Speaker 1: goal the moment. 207 00:10:01,600 --> 00:10:06,440 Speaker 4: Is to invest. I definitely definitely want to invest, and 208 00:10:06,720 --> 00:10:10,600 Speaker 4: for in fifteen so years, just see where we're at 209 00:10:10,640 --> 00:10:14,440 Speaker 4: with that. I want to be I want what's the 210 00:10:14,480 --> 00:10:18,680 Speaker 4: word financially not? I just I just want to be 211 00:10:19,320 --> 00:10:23,520 Speaker 4: in the best place possible in fifteen twenty years financially 212 00:10:23,720 --> 00:10:28,080 Speaker 4: so that I can I'm not I'm not continuously worrying 213 00:10:28,559 --> 00:10:30,440 Speaker 4: about money. I don't want to be in debt. 214 00:10:30,640 --> 00:10:32,240 Speaker 1: She wants to be financially free. 215 00:10:32,320 --> 00:10:34,240 Speaker 3: I was going to say financial freedom she wants. 216 00:10:34,280 --> 00:10:36,960 Speaker 4: Yeah, I'm the word I'm looking for. Yeah, I want 217 00:10:37,000 --> 00:10:38,600 Speaker 4: financial freedom, That's what I want. 218 00:10:38,800 --> 00:10:40,280 Speaker 1: I love it. I love it. And I think a 219 00:10:40,280 --> 00:10:43,600 Speaker 1: lot of people think that financial freedom is having, you know, 220 00:10:43,760 --> 00:10:46,240 Speaker 1: hopes and hopes of money and you never have to 221 00:10:46,280 --> 00:10:48,280 Speaker 1: work another day in your life, and that is definitely 222 00:10:48,320 --> 00:10:51,600 Speaker 1: one of the outcomes, but also two in fifteen twenty years, 223 00:10:51,640 --> 00:10:54,080 Speaker 1: just feel so financially secure that you know, you know, 224 00:10:54,400 --> 00:10:56,520 Speaker 1: just keep working, but everything's going to be all right. 225 00:10:56,559 --> 00:10:59,360 Speaker 1: And if you know something, yeah, a fan, it'll be 226 00:10:59,360 --> 00:11:01,040 Speaker 1: all right because I got exactly. 227 00:11:00,800 --> 00:11:03,600 Speaker 4: Yeah, it's exactly that. Just to be comfortable to know 228 00:11:03,760 --> 00:11:06,880 Speaker 4: that if something went wrong, I've got enough money to 229 00:11:06,920 --> 00:11:10,960 Speaker 4: see me, to see me by you know, I'm under 230 00:11:10,960 --> 00:11:12,600 Speaker 4: the illusions. I know I'm not going to be able 231 00:11:12,600 --> 00:11:13,320 Speaker 4: to stop working. 232 00:11:13,440 --> 00:11:14,840 Speaker 1: That's not that's all right. 233 00:11:15,240 --> 00:11:17,720 Speaker 4: Yeah, but that's and that's fine, that's absolutely fine. But 234 00:11:17,840 --> 00:11:21,439 Speaker 4: just financial freedom, just to not have to worry. 235 00:11:21,200 --> 00:11:22,280 Speaker 1: Yeah, I like that. 236 00:11:22,320 --> 00:11:25,520 Speaker 2: Well for me, I when I hear financial freedom, I 237 00:11:25,520 --> 00:11:28,720 Speaker 2: think free of stress, free of worry, free of not 238 00:11:28,760 --> 00:11:29,480 Speaker 2: being out of sleep. 239 00:11:29,640 --> 00:11:31,080 Speaker 1: Yeah, and that's kind of what it means to me 240 00:11:31,160 --> 00:11:33,000 Speaker 1: as well. A lot of people think it's like that 241 00:11:33,080 --> 00:11:35,920 Speaker 1: stage of retirement where you have one hundred percent investment 242 00:11:36,000 --> 00:11:38,720 Speaker 1: portfolio that provides your full income. I get that, but 243 00:11:38,840 --> 00:11:40,560 Speaker 1: I just want to be able to sleep well at night. 244 00:11:40,840 --> 00:11:43,400 Speaker 1: And if I woke up tomorrow and for some reason, 245 00:11:43,440 --> 00:11:45,559 Speaker 1: I had no income coming in, I'd be all right 246 00:11:45,600 --> 00:11:46,440 Speaker 1: to find another job. 247 00:11:47,120 --> 00:11:49,960 Speaker 4: Yeah, exactly like you wouldn't need you wouldn't need to 248 00:11:49,960 --> 00:11:51,640 Speaker 4: rely on your credit card to get. 249 00:11:51,480 --> 00:11:55,200 Speaker 1: You from absolutely all right. To wrap the questions, what 250 00:11:55,320 --> 00:11:57,720 Speaker 1: grade would you give your money habits? If I forced 251 00:11:57,720 --> 00:11:58,880 Speaker 1: you to give yourself a grade? 252 00:11:59,120 --> 00:12:02,200 Speaker 4: I was thinking about this earlier. I'd probably go, I 253 00:12:02,320 --> 00:12:04,600 Speaker 4: don't be minus. 254 00:12:04,240 --> 00:12:05,400 Speaker 1: A B minus. 255 00:12:05,640 --> 00:12:06,640 Speaker 4: Yeah, it's a bit. 256 00:12:08,679 --> 00:12:11,679 Speaker 1: It's a big clash on yourself given what you've gone through. 257 00:12:12,520 --> 00:12:15,160 Speaker 4: Yeah, I know, I know. But there's moys room for improvement, 258 00:12:15,240 --> 00:12:16,240 Speaker 4: isn't it. 259 00:12:16,400 --> 00:12:19,720 Speaker 1: There has been maybe like A minus. 260 00:12:21,360 --> 00:12:23,400 Speaker 4: Maybe a B. Then I'll go a B plus. There 261 00:12:23,480 --> 00:12:24,680 Speaker 4: we go, I'll go a B plus. 262 00:12:24,720 --> 00:12:27,120 Speaker 1: I'm mom, I'm glad. 263 00:12:25,559 --> 00:12:31,760 Speaker 3: We're so knowing what you know? Now? How would you 264 00:12:31,800 --> 00:12:34,520 Speaker 3: grade yourself three years ago? Financially? 265 00:12:36,200 --> 00:12:43,079 Speaker 4: An eye check that out. 266 00:12:43,120 --> 00:12:44,920 Speaker 1: If I was a parent and you brought home an 267 00:12:44,920 --> 00:12:47,480 Speaker 1: A report card and then my three years later, you're 268 00:12:47,559 --> 00:12:50,959 Speaker 1: a B plus. I'd be pretty happy with you, that is. 269 00:12:51,440 --> 00:12:54,240 Speaker 4: Yeah. I'm yeah, I'm pretty, I'm pretty tough. It's been 270 00:12:54,280 --> 00:12:56,160 Speaker 4: a massive learning curve, but it's been awesome. 271 00:12:56,559 --> 00:12:58,640 Speaker 1: I love that. All Right, Well, I've got so many 272 00:12:58,760 --> 00:13:01,079 Speaker 1: questions for you, and get right to them in a 273 00:13:01,120 --> 00:13:01,600 Speaker 1: hot minute. 274 00:13:09,080 --> 00:13:12,520 Speaker 2: All right, we're talking to divorced with no finance skills. 275 00:13:12,520 --> 00:13:13,920 Speaker 2: Although I feel like that's. 276 00:13:14,040 --> 00:13:16,760 Speaker 1: That's a lie, that's a lie and lie. I feel 277 00:13:16,800 --> 00:13:19,040 Speaker 1: like it should have said I was once married with 278 00:13:19,240 --> 00:13:20,920 Speaker 1: no finance skills, that's. 279 00:13:20,760 --> 00:13:23,439 Speaker 3: The updated and now divorced and killing it. 280 00:13:23,679 --> 00:13:27,160 Speaker 1: Yeah, exactly, I love this. I have a question, right, 281 00:13:27,240 --> 00:13:31,520 Speaker 1: so everybody enters a marriage with the intention of forever, Right, Like, 282 00:13:31,679 --> 00:13:35,120 Speaker 1: did you ever financially structure yourself or think about it 283 00:13:35,160 --> 00:13:38,800 Speaker 1: when going into your first marriage that maybe it wouldn't 284 00:13:38,840 --> 00:13:40,439 Speaker 1: be a long lasting relationship. 285 00:13:41,000 --> 00:13:43,719 Speaker 4: Not at all, No, not at all. We were we 286 00:13:43,800 --> 00:13:46,640 Speaker 4: were young when we got together. You know, we did 287 00:13:46,720 --> 00:13:49,480 Speaker 4: the usual. You save a little bit, you spend it, 288 00:13:49,640 --> 00:13:51,480 Speaker 4: you save a little bit, spend it. But no, there 289 00:13:51,559 --> 00:13:55,760 Speaker 4: was no way that we were thinking that far ahead 290 00:13:55,880 --> 00:13:56,240 Speaker 4: at all. 291 00:13:56,880 --> 00:14:00,800 Speaker 2: When did you realize that you had a big sort 292 00:14:00,840 --> 00:14:03,319 Speaker 2: of shortcomings in what you've been taught. Like, was there 293 00:14:03,400 --> 00:14:05,839 Speaker 2: one specific moment where you went, oh my god, I 294 00:14:06,040 --> 00:14:09,280 Speaker 2: actually don't know the money stuff someone else did that. 295 00:14:09,600 --> 00:14:11,439 Speaker 3: Was there a specific moment where that all kind of 296 00:14:11,520 --> 00:14:12,640 Speaker 3: hit you and you realized it. 297 00:14:13,040 --> 00:14:18,440 Speaker 4: Yeah, when right at the end when I was moving out, Yeah, 298 00:14:18,520 --> 00:14:21,920 Speaker 4: that was the scariest part. You're just there in this 299 00:14:22,520 --> 00:14:27,240 Speaker 4: space and you're just like, I only have myself now 300 00:14:27,480 --> 00:14:30,320 Speaker 4: to pay for everything, and I don't know if I 301 00:14:30,400 --> 00:14:32,440 Speaker 4: can do this. It's a honest answer. 302 00:14:32,720 --> 00:14:36,440 Speaker 1: And is that that feels terrifying and really over Oh it? 303 00:14:37,520 --> 00:14:41,160 Speaker 4: Yeah, it was massively, Like it's the scariest, scariest feeling. 304 00:14:41,640 --> 00:14:44,359 Speaker 4: And like I said, like my family are obviously overseas 305 00:14:44,480 --> 00:14:48,800 Speaker 4: so and I've got good friends obviously, But yeah, that's 306 00:14:48,920 --> 00:14:51,120 Speaker 4: that feeling where you just stood there and you're just like, 307 00:14:51,280 --> 00:14:53,920 Speaker 4: holy crap, like this is this is me, I'm on 308 00:14:54,040 --> 00:14:54,360 Speaker 4: my own. 309 00:14:54,520 --> 00:14:54,720 Speaker 2: Yeah. 310 00:14:55,440 --> 00:14:57,480 Speaker 1: And what did you do to start getting on the 311 00:14:57,600 --> 00:15:00,600 Speaker 1: road to understanding finances a little bit better? What was 312 00:15:00,680 --> 00:15:01,400 Speaker 1: your first step? 313 00:15:01,720 --> 00:15:04,080 Speaker 4: I just started googling and just doing a bit of 314 00:15:04,200 --> 00:15:09,600 Speaker 4: research and trying to just just putting money aside, not lots, 315 00:15:09,640 --> 00:15:12,600 Speaker 4: I couldn't put lots away, but just just trying to 316 00:15:12,720 --> 00:15:16,840 Speaker 4: put some money aside, and then I just think, honestly, like, 317 00:15:16,920 --> 00:15:20,880 Speaker 4: then I came across your like this podcast, and I 318 00:15:21,000 --> 00:15:24,160 Speaker 4: just started listening to it in just thinking, okay, so 319 00:15:24,960 --> 00:15:28,040 Speaker 4: because I think most people would be under the impression 320 00:15:28,120 --> 00:15:31,040 Speaker 4: that you you save and you buy a house, and 321 00:15:31,400 --> 00:15:34,000 Speaker 4: I thought that was the only option, and being singled 322 00:15:34,040 --> 00:15:38,240 Speaker 4: as well, that almost wasn't an option. So I was 323 00:15:38,360 --> 00:15:40,080 Speaker 4: just assuming that I would just have to save and 324 00:15:40,160 --> 00:15:43,040 Speaker 4: put money into into a savings account and leave it there, 325 00:15:43,120 --> 00:15:45,080 Speaker 4: and you can afford to buy when you can afford 326 00:15:45,120 --> 00:15:48,960 Speaker 4: to buy. But I think, yeah, just just doing a 327 00:15:49,000 --> 00:15:52,440 Speaker 4: little bit of research on the internet, listening to your podcast, honestly, 328 00:15:52,680 --> 00:15:55,000 Speaker 4: and I bought, you know, a couple of the usual books, 329 00:15:55,160 --> 00:15:59,480 Speaker 4: the box, standard books, every yeah. 330 00:15:59,600 --> 00:16:03,120 Speaker 1: Yeah, so that's that everybody goes on. 331 00:16:03,680 --> 00:16:06,480 Speaker 4: Yeah, yeah, And like it was interesting, it's good, you know, 332 00:16:06,920 --> 00:16:09,600 Speaker 4: I don't want to buy anything. I'm not sure if. 333 00:16:13,720 --> 00:16:16,000 Speaker 1: Here in my book's out on the sixteenth of June, 334 00:16:16,080 --> 00:16:17,040 Speaker 1: if anybody. 335 00:16:19,040 --> 00:16:19,480 Speaker 4: I want to get. 336 00:16:21,960 --> 00:16:24,560 Speaker 2: Now that you've you know, you've done some research and 337 00:16:24,640 --> 00:16:27,040 Speaker 2: read books, you'll listen to podcasts. It kind of seemed 338 00:16:27,120 --> 00:16:30,000 Speaker 2: like you decided that you weren't good with money and 339 00:16:30,120 --> 00:16:31,760 Speaker 2: it's not that you weren't good with money, it's just 340 00:16:31,800 --> 00:16:33,720 Speaker 2: that no one had ever really taught you. So now 341 00:16:33,800 --> 00:16:36,320 Speaker 2: that you have sort of taught yourself, is there such 342 00:16:36,400 --> 00:16:38,200 Speaker 2: thing as I'm not that type of person that's good 343 00:16:38,200 --> 00:16:40,400 Speaker 2: with money or is it more just I haven't learned 344 00:16:40,400 --> 00:16:40,720 Speaker 2: it yet. 345 00:16:41,360 --> 00:16:44,840 Speaker 4: No, I think it's is learning. I just have. You know, 346 00:16:45,040 --> 00:16:47,760 Speaker 4: it's one of those things you're not obviously you're not 347 00:16:47,880 --> 00:16:50,640 Speaker 4: taught it in school. Your parents do the best that 348 00:16:50,720 --> 00:16:53,480 Speaker 4: they can do, but you know they're not really you know, 349 00:16:53,720 --> 00:16:57,480 Speaker 4: they tell you to say, even that's that, but actually, 350 00:16:57,640 --> 00:17:02,880 Speaker 4: like budgeting and all the rest of it, like you Yeah, 351 00:17:02,880 --> 00:17:04,960 Speaker 4: I think I think everyone can do it. I really do. 352 00:17:05,440 --> 00:17:09,840 Speaker 4: It's just it takes time, and it takes it takes effort, right, 353 00:17:09,960 --> 00:17:12,520 Speaker 4: Like you can't just do it in two minutes and 354 00:17:12,600 --> 00:17:14,280 Speaker 4: you've got your budget for the rest of the month, 355 00:17:14,400 --> 00:17:16,560 Speaker 4: like you actually do have to and sometimes you have 356 00:17:16,640 --> 00:17:17,600 Speaker 4: to be strict with yourself. 357 00:17:17,920 --> 00:17:20,840 Speaker 2: I mean, this might be a really weird thing to 358 00:17:20,920 --> 00:17:22,720 Speaker 2: add in, but I've read lots of books on like 359 00:17:22,960 --> 00:17:25,840 Speaker 2: creativity and stuff like that, and I find that the same. 360 00:17:25,880 --> 00:17:27,480 Speaker 2: So many people go, oh, no, no, I'm not a 361 00:17:27,520 --> 00:17:30,080 Speaker 2: creative type. And I say, well, no, like it's it's 362 00:17:30,160 --> 00:17:32,480 Speaker 2: like going to the gym. You just start exercising, you 363 00:17:32,520 --> 00:17:34,560 Speaker 2: start practicing, and you get stronger and better at it. 364 00:17:34,640 --> 00:17:36,440 Speaker 2: And I think finance skills are the same. So when 365 00:17:36,680 --> 00:17:38,840 Speaker 2: when I hear people go, oh, I'm just I'm not 366 00:17:38,920 --> 00:17:42,359 Speaker 2: good with money, well maybe yeah you're not now, but 367 00:17:42,480 --> 00:17:43,200 Speaker 2: that doesn't mean. 368 00:17:43,280 --> 00:17:44,280 Speaker 3: You have to be fair. 369 00:17:44,440 --> 00:17:46,920 Speaker 4: Oh yeah exactly. You literally, you know, you can change 370 00:17:46,960 --> 00:17:50,439 Speaker 4: that in an instant, you can. I mean the biggest 371 00:17:50,480 --> 00:17:53,080 Speaker 4: thing that I did was sit down, write what was 372 00:17:53,160 --> 00:17:55,720 Speaker 4: coming in and what was going out, and then I 373 00:17:56,480 --> 00:17:59,480 Speaker 4: you know, and that was a big eye opener. You know, 374 00:17:59,560 --> 00:18:02,560 Speaker 4: you start relation that you probably spending and I was 375 00:18:03,160 --> 00:18:06,200 Speaker 4: a certain point of spending more than I was actually 376 00:18:06,280 --> 00:18:09,640 Speaker 4: bringing in, which is why you know your credit cards. 377 00:18:09,960 --> 00:18:11,119 Speaker 3: I had to get wealthy. 378 00:18:11,280 --> 00:18:14,000 Speaker 2: When that's the situation you have many people got rich 379 00:18:14,040 --> 00:18:15,679 Speaker 2: that you know, who spend more than they make. 380 00:18:15,960 --> 00:18:19,879 Speaker 1: Absolutely, man, I'm sorry burst that bubble. I think it's 381 00:18:19,960 --> 00:18:22,200 Speaker 1: actually just talking about that for a second. It's a 382 00:18:22,280 --> 00:18:25,560 Speaker 1: bit about mindset as well, because so many people will 383 00:18:25,600 --> 00:18:27,840 Speaker 1: say stuff like oh, I'm not good at instead of 384 00:18:27,920 --> 00:18:30,560 Speaker 1: replacing that with well what am I missing here? And 385 00:18:30,800 --> 00:18:33,840 Speaker 1: just getting all the education that they need because we 386 00:18:34,000 --> 00:18:36,159 Speaker 1: are smart people. And I've said this to Ryan so 387 00:18:36,320 --> 00:18:39,280 Speaker 1: many times. We're smart people. We just haven't been given 388 00:18:39,320 --> 00:18:42,240 Speaker 1: those tools yet. We have to search them out ourselves, 389 00:18:42,600 --> 00:18:45,520 Speaker 1: and when we have them. I think it's interesting to 390 00:18:45,760 --> 00:18:48,840 Speaker 1: know how easy it can be and how not overwhelming 391 00:18:48,880 --> 00:18:52,240 Speaker 1: it is. And is that something that you just wish 392 00:18:52,359 --> 00:18:54,840 Speaker 1: you knew what you know today when you were in 393 00:18:54,920 --> 00:18:59,320 Speaker 1: that moment of moving out and going through that knowing, Hey, 394 00:18:59,560 --> 00:19:01,600 Speaker 1: even if someone had said, hey, it's actually not as 395 00:19:01,640 --> 00:19:02,800 Speaker 1: hard as you think it's going to be. 396 00:19:03,320 --> 00:19:05,280 Speaker 4: With that shadow of doubt, Like I said, I always 397 00:19:05,320 --> 00:19:07,720 Speaker 4: thought I was rubbish with money. I was kind of 398 00:19:07,840 --> 00:19:10,840 Speaker 4: told that I was rubbish with money, so you start 399 00:19:10,960 --> 00:19:14,480 Speaker 4: believing that that's the case. I almost wish but I 400 00:19:14,520 --> 00:19:17,000 Speaker 4: could go you know the me now, could go back 401 00:19:17,080 --> 00:19:20,040 Speaker 4: to the me two years ago and just say, do 402 00:19:20,080 --> 00:19:23,320 Speaker 4: you know what, Honestly, everything will be okay. You are 403 00:19:23,440 --> 00:19:26,919 Speaker 4: completely capable. You absolutely have got this. Please don't be scared. 404 00:19:27,240 --> 00:19:29,000 Speaker 1: There are a lot of people listening to this podcast 405 00:19:29,080 --> 00:19:31,240 Speaker 1: that needed to hear exactly what you just said, is 406 00:19:31,359 --> 00:19:34,040 Speaker 1: not as hard. You've got your own back, You'll be okay. 407 00:19:34,320 --> 00:19:37,920 Speaker 1: And I think, yeah, not enough times do you hear 408 00:19:38,000 --> 00:19:40,840 Speaker 1: that when you're in a really dark place or going 409 00:19:40,880 --> 00:19:43,720 Speaker 1: through a situation that feels overwhelming, you just think that 410 00:19:43,800 --> 00:19:45,640 Speaker 1: everything is going to be as hard as that moment 411 00:19:45,840 --> 00:19:46,560 Speaker 1: is in that time. 412 00:19:47,200 --> 00:19:50,400 Speaker 4: Yeah, yeah, and it's absolutely And don't get me wrong, 413 00:19:50,520 --> 00:19:53,680 Speaker 4: it is hard. It is. But like you, if I 414 00:19:53,680 --> 00:19:55,800 Speaker 4: could say anything to anyone out there who's going through 415 00:19:55,840 --> 00:19:59,119 Speaker 4: the same thing, it sounds like such a cliche, but 416 00:19:59,280 --> 00:20:02,080 Speaker 4: it does does get better at will one hundred percent. 417 00:20:02,280 --> 00:20:05,800 Speaker 4: You just be proactive, be patient, be kind to yourself, 418 00:20:06,760 --> 00:20:09,520 Speaker 4: you know, don't bereate yourself, don't punish yourself. You will 419 00:20:09,520 --> 00:20:09,840 Speaker 4: get there. 420 00:20:10,000 --> 00:20:11,400 Speaker 1: I want you to follow me around. 421 00:20:11,480 --> 00:20:11,640 Speaker 3: Yeah. 422 00:20:11,640 --> 00:20:14,639 Speaker 2: I was gonna say I have more final questions, but 423 00:20:14,840 --> 00:20:17,120 Speaker 2: more of a question for U v our money. Dire 424 00:20:17,280 --> 00:20:22,879 Speaker 2: said they've started with Rais and Spaceship doesn't fully understand it, 425 00:20:23,000 --> 00:20:25,240 Speaker 2: but is interested in seeing it go up and down. 426 00:20:25,480 --> 00:20:27,560 Speaker 2: I would always say the best way to learn something 427 00:20:28,040 --> 00:20:29,800 Speaker 2: is to put a couple of spare dollars in there, 428 00:20:29,920 --> 00:20:32,560 Speaker 2: and the best place to start is watching it going 429 00:20:32,640 --> 00:20:34,960 Speaker 2: up and down and trying to get a vibe. Do 430 00:20:35,080 --> 00:20:37,160 Speaker 2: you have to wait to be an expert to invest 431 00:20:37,600 --> 00:20:40,080 Speaker 2: or do you become an expert by doing the thing. 432 00:20:40,280 --> 00:20:42,040 Speaker 1: You become an expert by doing the thing. And you 433 00:20:42,119 --> 00:20:44,080 Speaker 1: know what, I was thinking about this the other day. 434 00:20:44,359 --> 00:20:46,560 Speaker 1: Do you know how many people I talk to about 435 00:20:46,600 --> 00:20:49,680 Speaker 1: their jobs every week and they'll say, Oh, my gosh, 436 00:20:49,720 --> 00:20:52,080 Speaker 1: I went to UNI, I learned all of this stuff. 437 00:20:52,520 --> 00:20:54,359 Speaker 1: But you know what, in the first year of me 438 00:20:54,480 --> 00:20:57,080 Speaker 1: working my actual job, that's when I learned everything I needed. 439 00:20:57,800 --> 00:21:00,240 Speaker 1: And so so many people will go to Universe City 440 00:21:00,280 --> 00:21:03,000 Speaker 1: and they'll learn every single theory they need to know. 441 00:21:03,520 --> 00:21:06,159 Speaker 1: And I would akin that to investing. You can go 442 00:21:06,320 --> 00:21:09,280 Speaker 1: learn absolutely everything when it comes to theory and what 443 00:21:09,400 --> 00:21:12,119 Speaker 1: the market looks like and how shares and dividends are 444 00:21:12,160 --> 00:21:14,359 Speaker 1: paid out and what all of that looks like, and 445 00:21:14,440 --> 00:21:16,880 Speaker 1: you still feel overwhelmed because you haven't done your grad 446 00:21:16,960 --> 00:21:19,639 Speaker 1: job yet. I see Rais and Spaceship as kind of 447 00:21:19,640 --> 00:21:22,520 Speaker 1: that grad job, getting in there, actually seeing what the 448 00:21:22,640 --> 00:21:24,960 Speaker 1: job is like and seeing how it works, and you know, 449 00:21:25,160 --> 00:21:28,359 Speaker 1: actually getting those hands on skills to then graduate at 450 00:21:28,400 --> 00:21:31,119 Speaker 1: some point to your big girl job and that might 451 00:21:31,200 --> 00:21:33,680 Speaker 1: be your bigger investment portfolio. But I think there's such 452 00:21:33,760 --> 00:21:36,439 Speaker 1: powerful tools and they are absolutely an investment in your 453 00:21:36,480 --> 00:21:37,440 Speaker 1: financial literacy. 454 00:21:37,680 --> 00:21:37,920 Speaker 3: Yeah. 455 00:21:38,119 --> 00:21:41,040 Speaker 2: So, and I just think that the fact that you've 456 00:21:41,080 --> 00:21:43,120 Speaker 2: said I don't fully understand it, but this is where 457 00:21:43,119 --> 00:21:45,080 Speaker 2: I'm going to start. Like what a great place to start. 458 00:21:45,200 --> 00:21:47,160 Speaker 1: Exactly are you mean your grad job of investing. 459 00:21:48,760 --> 00:21:52,080 Speaker 4: Yeah, it's just just yeah, it's it's good. It's just interesting. 460 00:21:52,440 --> 00:21:55,000 Speaker 4: Just what your confidence with it? I think? 461 00:21:55,359 --> 00:21:58,480 Speaker 1: Yeah, absolutely, I have loved this chat with you. Thank 462 00:21:58,520 --> 00:22:00,480 Speaker 1: you so so much for joining us. 463 00:22:00,560 --> 00:22:01,480 Speaker 3: We're so super proud of you. 464 00:22:01,800 --> 00:22:03,680 Speaker 2: I know that's weird to say that to someone who's 465 00:22:03,720 --> 00:22:05,800 Speaker 2: not met in person, but we're sitting here like nodding 466 00:22:05,840 --> 00:22:07,359 Speaker 2: her head, going yeah, she's got it. 467 00:22:07,480 --> 00:22:08,040 Speaker 3: We love her. 468 00:22:08,200 --> 00:22:10,160 Speaker 4: Yeah, we love us. 469 00:22:10,440 --> 00:22:12,240 Speaker 1: We'll go and enjoy your lunch with your friends, and 470 00:22:12,400 --> 00:22:14,320 Speaker 1: thank you for having a really nice chat with us 471 00:22:14,400 --> 00:22:14,960 Speaker 1: this afternoon. 472 00:22:15,080 --> 00:22:18,199 Speaker 4: No problem, no problem fights and that is. 473 00:22:18,240 --> 00:22:20,520 Speaker 1: All we have time for today or money diaries. But 474 00:22:20,720 --> 00:22:22,720 Speaker 1: just before we head off, we'd like to acknowledge and 475 00:22:22,760 --> 00:22:26,360 Speaker 1: pay respect to Australia's Aboriginal and Tory Straight Islander people's, 476 00:22:26,640 --> 00:22:29,639 Speaker 1: the traditional custodians of the lands, the waterways and the 477 00:22:29,720 --> 00:22:33,040 Speaker 1: skies all across Australia. We thank you for sharing and 478 00:22:33,119 --> 00:22:35,360 Speaker 1: for caring on the land which we are able to learn. 479 00:22:35,760 --> 00:22:38,119 Speaker 1: We pay respects to olders past and present, and we 480 00:22:38,200 --> 00:22:41,280 Speaker 1: share our friendship and our kindness now. The advice shared 481 00:22:41,320 --> 00:22:43,359 Speaker 1: on She's on the Money, even on our money diaries, 482 00:22:43,600 --> 00:22:46,920 Speaker 1: is general in nature and does not consider your individual circumstances. 483 00:22:47,280 --> 00:22:49,800 Speaker 1: She's on the Money exists purely for educational purposes and 484 00:22:49,840 --> 00:22:52,119 Speaker 1: should not be relied upon to make an investment or 485 00:22:52,160 --> 00:22:55,199 Speaker 1: a financial decision. And we do promise. I am an 486 00:22:55,200 --> 00:22:59,959 Speaker 1: authorized representative of Australia Pacific Funds Management Proprietray Limited ABA 487 00:23:00,160 --> 00:23:02,600 Speaker 1: three four one three two four six three two five 488 00:23:02,760 --> 00:23:05,800 Speaker 1: seven I FSL three three nine one five one and 489 00:23:05,960 --> 00:23:08,280 Speaker 1: does always. Thank you so much to the dream team 490 00:23:08,320 --> 00:23:12,000 Speaker 1: of audio engineers and sam our podcast Butler for putting 491 00:23:12,080 --> 00:23:12,879 Speaker 1: this all together. 492 00:23:13,359 --> 00:23:16,160 Speaker 3: If you want to join the Facebook community, we're over one. 493 00:23:16,080 --> 00:23:18,800 Speaker 1: Hundred and hundred and fifty nine thousand people when I 494 00:23:18,880 --> 00:23:19,520 Speaker 1: out today. 495 00:23:19,640 --> 00:23:21,520 Speaker 2: There is so much to learn there from each other, 496 00:23:21,600 --> 00:23:23,240 Speaker 2: people helping each other out. To make sure we get 497 00:23:23,240 --> 00:23:25,520 Speaker 2: involved with that, and we're almost about to crack one 498 00:23:25,640 --> 00:23:27,400 Speaker 2: hundred thousand on Instagram as well. 499 00:23:27,440 --> 00:23:29,920 Speaker 1: It has go follow us mainly because I just want 500 00:23:29,960 --> 00:23:33,920 Speaker 1: the bragging rights, no real reason. Just give Victoria something 501 00:23:33,960 --> 00:23:34,960 Speaker 1: to brag about to her mum. 502 00:23:35,080 --> 00:23:36,480 Speaker 3: Yeah, yeah, and it's lots of fun. 503 00:23:36,520 --> 00:23:39,760 Speaker 2: But also I'm loving the little sort of would you 504 00:23:39,800 --> 00:23:41,800 Speaker 2: call it infographic, just the little stats and facts and 505 00:23:41,840 --> 00:23:43,520 Speaker 2: tips and stuff out there as well. There are awesome 506 00:23:43,520 --> 00:23:45,680 Speaker 2: people are loving those. So She's on the Money a 507 00:23:45,880 --> 00:23:48,040 Speaker 2: US on Instagram or just search for She's on the 508 00:23:48,080 --> 00:23:49,640 Speaker 2: Money group on Facebook. 509 00:23:50,000 --> 00:23:51,600 Speaker 3: Chatty soon guys, see you leave it, guys,