1 00:00:00,680 --> 00:00:04,920 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,960 --> 00:00:08,680 Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before 3 00:00:08,680 --> 00:00:11,160 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,319 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:17,680 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,240 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,320 --> 00:00:27,000 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,080 --> 00:00:30,120 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,240 --> 00:00:32,640 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,320 --> 00:00:34,120 Speaker 2: Let's get into it. 11 00:00:34,640 --> 00:00:38,839 Speaker 3: She's on the Money, She's on the Money. 12 00:00:57,640 --> 00:01:00,680 Speaker 4: Hello and welcome to She's on the Money, the podcast 13 00:01:00,680 --> 00:01:05,039 Speaker 4: for millennials who want financial freedom. Today is Friday, my Friends, 14 00:01:05,080 --> 00:01:06,920 Speaker 4: which means it is time to get the team together 15 00:01:06,959 --> 00:01:10,919 Speaker 4: and celebrate you how incredible She's on the Money community. Today, 16 00:01:11,000 --> 00:01:13,240 Speaker 4: we'll be sharing our favorite money wins. We'll be helping 17 00:01:13,240 --> 00:01:15,920 Speaker 4: to answer a juicy money dilemma which this week is 18 00:01:15,959 --> 00:01:19,479 Speaker 4: all about if you're ever too old to become financially free, 19 00:01:19,720 --> 00:01:22,360 Speaker 4: and we unpacked something that you slid into our dms 20 00:01:22,400 --> 00:01:27,040 Speaker 4: about all about sharing costs in a share house, team. Welcome, 21 00:01:27,160 --> 00:01:28,240 Speaker 4: How has your week been? 22 00:01:28,560 --> 00:01:28,720 Speaker 1: Hi? 23 00:01:29,160 --> 00:01:33,800 Speaker 2: Hello, how are you good? How are you tgif guys. 24 00:01:34,080 --> 00:01:34,720 Speaker 4: We're done here? 25 00:01:34,800 --> 00:01:37,520 Speaker 2: Okay, cool? See you see bye? 26 00:01:37,560 --> 00:01:40,000 Speaker 4: I said how are you? And you both introduced each other. 27 00:01:40,040 --> 00:01:42,320 Speaker 4: You were like, oh hey, Beck, how heys? Like hi 28 00:01:42,680 --> 00:01:45,000 Speaker 4: over the other side of the paid you know that 29 00:01:45,200 --> 00:01:45,560 Speaker 4: I don't know. 30 00:01:45,560 --> 00:01:47,000 Speaker 5: I can't picked up thank you. 31 00:01:47,520 --> 00:01:50,480 Speaker 4: I'll just see myself out. How will we this week? 32 00:01:50,520 --> 00:01:54,040 Speaker 4: Has anything interesting happened in the community? Has anything interesting 33 00:01:54,200 --> 00:01:55,440 Speaker 4: happened in your lives? 34 00:01:55,840 --> 00:01:56,080 Speaker 2: Beck? 35 00:01:56,120 --> 00:01:59,360 Speaker 4: I feel like you have something to share about ipantry, Like, Oh. 36 00:01:59,080 --> 00:02:01,520 Speaker 2: I'm big time a fan of eye pantry. I discovered 37 00:02:01,520 --> 00:02:03,400 Speaker 2: it not long ago and just got back into it. 38 00:02:03,720 --> 00:02:07,000 Speaker 2: I hate cooking, yeah, and fat. I've ordered a big 39 00:02:07,040 --> 00:02:12,080 Speaker 2: box of individual sandwiches and little snacks and it didn't 40 00:02:12,080 --> 00:02:14,600 Speaker 2: break the bank. And now I'm done for the week. 41 00:02:14,639 --> 00:02:16,239 Speaker 2: I don't have to cook ever again. 42 00:02:16,560 --> 00:02:18,840 Speaker 4: Jess and I learned about this just before this episode 43 00:02:18,840 --> 00:02:21,200 Speaker 4: because you were eating what looked like a very tasty 44 00:02:21,240 --> 00:02:23,000 Speaker 4: panini and we were like, where did you just whip 45 00:02:23,040 --> 00:02:25,120 Speaker 4: that out from? Because I just ate some two minute 46 00:02:25,160 --> 00:02:28,920 Speaker 4: noodles and I guarantee, guarantee, like I will put money 47 00:02:28,919 --> 00:02:30,840 Speaker 4: on the fact that Jess is like, maybe I'll get 48 00:02:30,840 --> 00:02:33,360 Speaker 4: a cheeseburger on the way home. Get some She'll get 49 00:02:33,360 --> 00:02:36,480 Speaker 4: six nuggets, sweet and sour sauce, medium chips, and a 50 00:02:36,560 --> 00:02:39,840 Speaker 4: medium coke, but not coke zereo because zero tastes like trash. 51 00:02:39,880 --> 00:02:41,400 Speaker 2: You'll get a full fat coke. Am I wrong? 52 00:02:41,520 --> 00:02:41,880 Speaker 4: Is that right? 53 00:02:41,960 --> 00:02:44,960 Speaker 5: She knows my order really well, not just a McDonald's 54 00:02:44,960 --> 00:02:46,120 Speaker 5: at multiple restaurants. 55 00:02:47,200 --> 00:02:50,600 Speaker 4: Okay, yeah, I'm all across this. I actually pride myself 56 00:02:50,639 --> 00:02:53,760 Speaker 4: on knowing other people's orders. But you taught us about ipantry, 57 00:02:53,760 --> 00:02:55,799 Speaker 4: and I was just shooked because your panini looked really good, 58 00:02:55,800 --> 00:02:58,320 Speaker 4: and both of us with trash demons when it comes 59 00:02:58,320 --> 00:03:00,320 Speaker 4: to what we put into our bodies most time, and 60 00:03:00,320 --> 00:03:02,560 Speaker 4: you were just like, here's this gormet panini that. 61 00:03:02,520 --> 00:03:04,960 Speaker 2: I that I would never ever ever make. 62 00:03:05,040 --> 00:03:07,440 Speaker 4: It's basically like a catering website, right that you go 63 00:03:07,560 --> 00:03:10,000 Speaker 4: on and you go and order for a pack of 64 00:03:10,120 --> 00:03:12,600 Speaker 4: like paninis and then have them for lunch. You're a genius. 65 00:03:12,680 --> 00:03:14,080 Speaker 2: Yeah, And then you can get some of those ready 66 00:03:14,080 --> 00:03:16,960 Speaker 2: made meals, like you know, you food's dynamic and you 67 00:03:17,000 --> 00:03:19,120 Speaker 2: don't have to like subscribe to anything. You just grab 68 00:03:19,200 --> 00:03:21,400 Speaker 2: a bit of this grab a bit of that from 69 00:03:21,480 --> 00:03:23,079 Speaker 2: the comfort of your lounge. 70 00:03:23,400 --> 00:03:25,400 Speaker 4: I am so impressed. This isn't sponsored. 71 00:03:25,440 --> 00:03:26,480 Speaker 6: We're just like. 72 00:03:28,040 --> 00:03:28,440 Speaker 2: Depressed. 73 00:03:28,520 --> 00:03:30,480 Speaker 4: No, we're not being paid to do that, but yeah, 74 00:03:30,520 --> 00:03:34,160 Speaker 4: we just impressed. But Jess, let's get into community money wins. 75 00:03:34,240 --> 00:03:36,400 Speaker 4: As always, we do a quick whip around of your 76 00:03:36,440 --> 00:03:39,000 Speaker 4: favorite money wins of the week from a weekly thread. 77 00:03:39,080 --> 00:03:40,560 Speaker 2: What have you got for us this week? 78 00:03:40,680 --> 00:03:42,840 Speaker 5: My first money win comes from Jess's great name, who 79 00:03:42,920 --> 00:03:44,160 Speaker 5: said money wins. 80 00:03:44,400 --> 00:03:45,480 Speaker 4: What hermac's order is? 81 00:03:45,720 --> 00:03:48,200 Speaker 5: Hopefully six nuggets because we're now one person because we're 82 00:03:48,400 --> 00:03:51,920 Speaker 5: only option apparently Nuggies or bust. She said, money Wins 83 00:03:51,920 --> 00:03:55,600 Speaker 5: started my diploma through tapes feet free courses, so I 84 00:03:55,680 --> 00:03:58,880 Speaker 5: have saved seven thousand dollars and don't have to pay 85 00:03:58,960 --> 00:03:59,360 Speaker 5: a cent. 86 00:04:00,120 --> 00:04:02,360 Speaker 4: How good is it that most tape courses are al 87 00:04:02,400 --> 00:04:03,280 Speaker 4: free in Australia. 88 00:04:03,360 --> 00:04:06,080 Speaker 5: I keep saying posts coming up that they've added more 89 00:04:06,280 --> 00:04:10,480 Speaker 5: courses or more so we go and learn Osland. I 90 00:04:10,560 --> 00:04:12,360 Speaker 5: saw that. I actually looked into it. Right now there's 91 00:04:12,360 --> 00:04:14,320 Speaker 5: only one place in Melbourne that offers it, which was 92 00:04:14,360 --> 00:04:16,320 Speaker 5: a little bit sad, but I'm hoping they can do 93 00:04:16,400 --> 00:04:19,760 Speaker 5: it remotely, so not from what I saw, but I 94 00:04:19,760 --> 00:04:22,080 Speaker 5: thought that was really incredible because I would actually really 95 00:04:22,120 --> 00:04:23,560 Speaker 5: love to learn Oslane and. 96 00:04:23,480 --> 00:04:26,479 Speaker 4: I don't have enough time at the moment in person classes. Yeah, 97 00:04:26,720 --> 00:04:28,560 Speaker 4: but the second I saw it was free through Tafe, 98 00:04:28,560 --> 00:04:30,520 Speaker 4: I was like, wow, this is so exciting. 99 00:04:30,720 --> 00:04:32,720 Speaker 5: Yeah, jump on the tape website see if, of course 100 00:04:32,720 --> 00:04:35,960 Speaker 5: you're interested in is subsidized or maybe free, because that's incredible. 101 00:04:36,120 --> 00:04:37,240 Speaker 4: Yeah, upskill, We. 102 00:04:37,160 --> 00:04:39,920 Speaker 5: Love it, We absolutely do. My next money win comes 103 00:04:40,000 --> 00:04:42,320 Speaker 5: from Gabby who said money win. My work pays for 104 00:04:42,360 --> 00:04:44,719 Speaker 5: me to have Quantus Club, and I fly very regularly 105 00:04:44,720 --> 00:04:46,599 Speaker 5: for work, so you can bet I'm at the airport 106 00:04:46,680 --> 00:04:49,599 Speaker 5: stupidly early for every flight, saving on cash and that 107 00:04:49,640 --> 00:04:52,560 Speaker 5: grocery bill. This morning I got my seven dollar cappuccino 108 00:04:52,640 --> 00:04:53,080 Speaker 5: for free. 109 00:04:53,279 --> 00:04:56,359 Speaker 4: Yeah money, do you know what? That was one of 110 00:04:56,360 --> 00:04:58,760 Speaker 4: the things that I found really impressive because obviously I 111 00:04:58,839 --> 00:05:01,080 Speaker 4: pay extra for oatmeal every single time. 112 00:05:01,440 --> 00:05:01,640 Speaker 2: Free. 113 00:05:01,760 --> 00:05:03,400 Speaker 4: The Virgin loungeree. 114 00:05:05,080 --> 00:05:06,040 Speaker 5: We love the Virgin Loud. 115 00:05:06,040 --> 00:05:08,240 Speaker 4: They've just added o't milk and I'm very envy about it. 116 00:05:08,400 --> 00:05:09,440 Speaker 2: Oh exciting. 117 00:05:09,600 --> 00:05:11,640 Speaker 4: I would like to think that that's because they listen 118 00:05:11,720 --> 00:05:15,600 Speaker 4: to us. Yes, we single handedly brought milk to the 119 00:05:15,680 --> 00:05:18,120 Speaker 4: Virgin Lounge in Melbourne for sure, one. 120 00:05:18,040 --> 00:05:19,120 Speaker 2: Hundred percent that was me. 121 00:05:21,040 --> 00:05:23,000 Speaker 5: My next money in this week comes from Marissa, who 122 00:05:23,000 --> 00:05:25,080 Speaker 5: said money when me and my long term partner of 123 00:05:25,120 --> 00:05:27,960 Speaker 5: seven years are finally able to have a healthy conversation 124 00:05:28,000 --> 00:05:30,880 Speaker 5: about finances, and it's all thanks to the podcast. He 125 00:05:30,960 --> 00:05:32,520 Speaker 5: has to listen to it when he's in the car 126 00:05:33,120 --> 00:05:35,719 Speaker 5: to listen to it, and he's becoming far more open. 127 00:05:35,800 --> 00:05:40,239 Speaker 5: It's a step in the right direction together. I also 128 00:05:40,279 --> 00:05:42,400 Speaker 5: loved the idea of him being like held hostage in. 129 00:05:42,320 --> 00:05:46,040 Speaker 4: My car, talking to him, like you're going to learn 130 00:05:46,080 --> 00:05:47,200 Speaker 4: about compound interests. 131 00:05:47,480 --> 00:05:50,520 Speaker 5: Greg Hi, Greg or what if your name is? We 132 00:05:50,720 --> 00:05:53,839 Speaker 5: love and appreciate your listening. My next money in this 133 00:05:53,839 --> 00:05:56,719 Speaker 5: week comes from LJ who said I recently started using 134 00:05:56,800 --> 00:05:59,239 Speaker 5: chass after a long time of debating whether I should 135 00:05:59,240 --> 00:06:01,440 Speaker 5: get into the share mark. Thanks to Shoes on the Money, 136 00:06:01,480 --> 00:06:04,200 Speaker 5: I finally feel confident too after using shop back for 137 00:06:04,240 --> 00:06:06,920 Speaker 5: all of my Christmas shopping, I'm now withdrawing my cash 138 00:06:07,000 --> 00:06:09,600 Speaker 5: back and putting it straight into my chas ease, feeling 139 00:06:09,640 --> 00:06:11,120 Speaker 5: like I can finally finance. 140 00:06:11,560 --> 00:06:15,240 Speaker 4: It's kind of cool that, you know, our biggest supporters 141 00:06:15,240 --> 00:06:18,920 Speaker 4: of the show are basically making our community reach. I 142 00:06:19,000 --> 00:06:20,480 Speaker 4: had so cool and. 143 00:06:20,440 --> 00:06:22,280 Speaker 5: I thought it was so smart that She's like, I'm 144 00:06:22,320 --> 00:06:24,440 Speaker 5: gonna get my cash back here, and then I'm just 145 00:06:24,440 --> 00:06:25,840 Speaker 5: gonna put that money straight in. 146 00:06:26,120 --> 00:06:28,120 Speaker 4: I'm investing my shopping li Regenius. 147 00:06:28,160 --> 00:06:30,080 Speaker 5: It's like a little ecosystem. How clever is that? 148 00:06:30,600 --> 00:06:31,360 Speaker 2: Love love Love. 149 00:06:31,560 --> 00:06:34,120 Speaker 5: And then my lucky last win this week comes from Teresa, 150 00:06:34,160 --> 00:06:36,359 Speaker 5: who said small money win. The cobbler I went to 151 00:06:36,440 --> 00:06:38,520 Speaker 5: for the first time did the wrong repair on the 152 00:06:38,560 --> 00:06:41,280 Speaker 5: pair of sandals, so gave me twenty dollars back. I 153 00:06:41,320 --> 00:06:43,919 Speaker 5: also got five pairs of shoes that I loved fixed. 154 00:06:43,960 --> 00:06:46,560 Speaker 5: Most of them were secondhand, so I've extended the life 155 00:06:46,600 --> 00:06:48,640 Speaker 5: of all of them, which means I'm spending less money 156 00:06:48,640 --> 00:06:50,919 Speaker 5: on buying new shoes in the future, and I'm helping 157 00:06:50,920 --> 00:06:54,080 Speaker 5: to reduce waste money. I would never think to go 158 00:06:54,120 --> 00:06:56,520 Speaker 5: to a cobbler like I would just be really no same. 159 00:06:56,560 --> 00:06:59,640 Speaker 2: I was thinking that too. I was like, cobbler, cobbler, Yeah, 160 00:06:59,680 --> 00:07:02,679 Speaker 2: I like that is so clever. It is really clever. 161 00:07:02,839 --> 00:07:04,760 Speaker 4: I feel like that's how some of my shoes have 162 00:07:04,960 --> 00:07:07,440 Speaker 4: lasted ten plus years. Yeah, is I get that. It's 163 00:07:07,440 --> 00:07:09,680 Speaker 4: called topi. It's like a rubber sole put on the 164 00:07:09,720 --> 00:07:11,960 Speaker 4: bottom of shoes, And if I buy like a pair 165 00:07:12,000 --> 00:07:13,840 Speaker 4: of boots or something, I always get it put on 166 00:07:13,840 --> 00:07:15,960 Speaker 4: because I feel like they last longer. And then you 167 00:07:16,000 --> 00:07:18,640 Speaker 4: can just get that rubber piece replaced when it wears through. 168 00:07:19,200 --> 00:07:21,120 Speaker 5: Really smart. The shoes already broken in, you don't have 169 00:07:21,200 --> 00:07:21,720 Speaker 5: to break in, and. 170 00:07:21,640 --> 00:07:24,160 Speaker 4: New pet's actually so smart. Like if you find a 171 00:07:24,160 --> 00:07:25,880 Speaker 4: really nice pair of boots or something at the op 172 00:07:25,880 --> 00:07:27,440 Speaker 4: shop and you're like, oh, the sole's a bad you 173 00:07:27,480 --> 00:07:28,080 Speaker 4: can fix that. 174 00:07:28,840 --> 00:07:29,360 Speaker 1: Genius? 175 00:07:29,360 --> 00:07:30,160 Speaker 2: How good? 176 00:07:30,320 --> 00:07:32,840 Speaker 4: I feel like their genius money wins this week. They're 177 00:07:32,840 --> 00:07:36,720 Speaker 4: making money, they're investing, they're fixing clothes, save in the environment. 178 00:07:36,840 --> 00:07:39,080 Speaker 4: You know it begs money, win a five pantry. Honestly, 179 00:07:39,120 --> 00:07:41,640 Speaker 4: I feel like I'm set up for a very productive weeks. 180 00:07:41,640 --> 00:07:43,000 Speaker 2: Got a week you could feel in about this one 181 00:07:43,040 --> 00:07:43,560 Speaker 2: hundred percent. 182 00:07:43,640 --> 00:07:45,480 Speaker 4: Let's go to a really quick break and then after 183 00:07:45,480 --> 00:07:47,320 Speaker 4: the break, I want to talk about our money dilemma, 184 00:07:47,360 --> 00:07:50,440 Speaker 4: about whether you're ever too old to become financially free, 185 00:07:50,600 --> 00:07:53,240 Speaker 4: and I want to jump into the juicy conversation about 186 00:07:53,240 --> 00:07:55,640 Speaker 4: how to split costs while living in a share house. 187 00:07:56,160 --> 00:07:58,160 Speaker 4: There are some horror stories to come out, I am 188 00:07:58,240 --> 00:08:03,400 Speaker 4: sure of it. Don't go anywhere, guys. 189 00:08:04,560 --> 00:08:07,400 Speaker 5: Welcome back everybody. I think it's time that we jump 190 00:08:07,440 --> 00:08:09,800 Speaker 5: straight into this week's money dilemma. Should we take a 191 00:08:09,800 --> 00:08:10,320 Speaker 5: little listen? 192 00:08:12,280 --> 00:08:12,440 Speaker 1: Hi? 193 00:08:12,560 --> 00:08:15,320 Speaker 4: There, have you got a money dilemma you just can't solve? 194 00:08:15,480 --> 00:08:17,679 Speaker 4: The Sheess on the Money Team is here to help. 195 00:08:18,000 --> 00:08:21,000 Speaker 4: Every week, we tackle your dilemmas, both big and small, 196 00:08:21,080 --> 00:08:24,160 Speaker 4: to answer your most burning money, career and life questions. 197 00:08:24,360 --> 00:08:26,840 Speaker 4: To get involved, simply head to our website and leave 198 00:08:26,920 --> 00:08:29,040 Speaker 4: us a short voice recording and you might just find 199 00:08:29,080 --> 00:08:31,800 Speaker 4: yourself on the show. Now, let's take a listen to 200 00:08:31,840 --> 00:08:34,400 Speaker 4: this week's money dilemma. 201 00:08:34,640 --> 00:08:37,880 Speaker 6: Hi, my name's Angela. I am forty seven years of age. 202 00:08:38,520 --> 00:08:41,160 Speaker 6: I only have super I don't have any investments or property. 203 00:08:41,840 --> 00:08:44,640 Speaker 6: I'm just wondering whether you think I'm too old to 204 00:08:44,720 --> 00:08:50,280 Speaker 6: become financially free from the perspective of getting enough investments 205 00:08:50,360 --> 00:08:54,720 Speaker 6: and property to be able to stop working, and how 206 00:08:54,720 --> 00:08:57,959 Speaker 6: long this would normally take. Feels like our time has 207 00:08:57,960 --> 00:09:00,160 Speaker 6: already passed, so just wondering. 208 00:08:59,800 --> 00:09:00,640 Speaker 4: What to do next. 209 00:09:00,880 --> 00:09:02,920 Speaker 6: Would greatly appreciate your advice. Thank you. 210 00:09:03,080 --> 00:09:05,280 Speaker 5: I feel like this is a good one to handball 211 00:09:05,440 --> 00:09:08,240 Speaker 5: straight to that side of the same great. 212 00:09:08,240 --> 00:09:10,800 Speaker 4: I see what we're doing here. We're not pulling our 213 00:09:10,920 --> 00:09:14,280 Speaker 4: weight as if shoes on the Money team. No, there's 214 00:09:14,320 --> 00:09:16,320 Speaker 4: no such thing as too old. And I feel like 215 00:09:16,559 --> 00:09:18,720 Speaker 4: any step in the right direction is a step that 216 00:09:18,800 --> 00:09:21,439 Speaker 4: is going to help you become financially free in the future. 217 00:09:21,520 --> 00:09:23,640 Speaker 4: And we hear this a lot. Actually, it was the 218 00:09:23,679 --> 00:09:26,160 Speaker 4: most wholesome I think you commented on it, Jess. A 219 00:09:26,200 --> 00:09:28,680 Speaker 4: couple of weeks ago, there was a group of people 220 00:09:28,880 --> 00:09:31,320 Speaker 4: commenting in the group saying like, Oh, I'm fifty two 221 00:09:31,400 --> 00:09:33,600 Speaker 4: and I've just discovered this podcast. I'm not for you, 222 00:09:33,679 --> 00:09:35,360 Speaker 4: and I was like, you are for me if you 223 00:09:35,400 --> 00:09:38,760 Speaker 4: resonate with this content. This podcast is for you. And 224 00:09:38,800 --> 00:09:42,360 Speaker 4: there's no such thing as too late. To be honest, like, 225 00:09:42,480 --> 00:09:44,839 Speaker 4: I have worked with women in their late sixties who 226 00:09:44,880 --> 00:09:48,240 Speaker 4: are preparing themselves for retirement, and I think that, yeah, 227 00:09:48,320 --> 00:09:51,040 Speaker 4: any step is a step in the right direction. As women, 228 00:09:51,120 --> 00:09:54,719 Speaker 4: we retire with forty two percent less super than men do, 229 00:09:55,280 --> 00:09:57,640 Speaker 4: and I feel like anything that we can do to 230 00:09:57,840 --> 00:10:00,960 Speaker 4: bring that a little bit closer, or put us into 231 00:10:01,080 --> 00:10:04,520 Speaker 4: a situation where we're not going to experience any type 232 00:10:04,520 --> 00:10:07,360 Speaker 4: of poverty during retirement is a step in the right direction. 233 00:10:07,559 --> 00:10:09,559 Speaker 4: And I mean, at forty seven, I have no idea 234 00:10:09,600 --> 00:10:11,559 Speaker 4: how much you earn or how much you spend or. 235 00:10:11,480 --> 00:10:12,559 Speaker 2: What the facts are. 236 00:10:13,000 --> 00:10:15,160 Speaker 4: But what I can tell you is, even if it's 237 00:10:15,200 --> 00:10:17,880 Speaker 4: ten dollars invested every single month, is a step in 238 00:10:17,920 --> 00:10:21,359 Speaker 4: the right direction, because I'm assuming if you're caring about investing, 239 00:10:21,400 --> 00:10:23,800 Speaker 4: what you're also caring about is the rest of your 240 00:10:23,840 --> 00:10:27,400 Speaker 4: financial house. You're caring about having an emergency fund, You're 241 00:10:27,400 --> 00:10:29,880 Speaker 4: caring about your budget and cash flow and having all 242 00:10:29,960 --> 00:10:32,400 Speaker 4: of those ducks in a row. You're caring about your 243 00:10:32,400 --> 00:10:36,000 Speaker 4: personal insurances. You're caring about what your superannuation looks like 244 00:10:36,040 --> 00:10:38,800 Speaker 4: and whether your fund's performing for you, and all of 245 00:10:38,840 --> 00:10:42,200 Speaker 4: those things are going to put you financially ahead. But 246 00:10:42,240 --> 00:10:44,280 Speaker 4: then also, if we look at where you're at in life, 247 00:10:44,320 --> 00:10:48,480 Speaker 4: you're only forty seven, you're still so young, Like it's 248 00:10:48,559 --> 00:10:52,560 Speaker 4: eighteen years before officially you can retire. But most people 249 00:10:52,640 --> 00:10:56,080 Speaker 4: are retiring at seventy seventy five these days, Like they're 250 00:10:56,080 --> 00:10:58,800 Speaker 4: always saying things like seventy is the new sixty and 251 00:10:58,840 --> 00:11:01,240 Speaker 4: stuff like that, because how many women are actually staying 252 00:11:01,240 --> 00:11:03,720 Speaker 4: in the workforce by choice, Like they might be able 253 00:11:03,760 --> 00:11:05,199 Speaker 4: to retire, but they're like, I don't want to retire. 254 00:11:05,200 --> 00:11:06,800 Speaker 4: What else I'm going to do. I might just work 255 00:11:06,840 --> 00:11:09,360 Speaker 4: part time, or I might just have the financial freedom 256 00:11:09,360 --> 00:11:12,120 Speaker 4: to do whatever I like. So I feel like any 257 00:11:12,160 --> 00:11:14,160 Speaker 4: step is a step in the right direction. But if 258 00:11:14,160 --> 00:11:17,400 Speaker 4: we even just do a little bit of simple compound 259 00:11:17,520 --> 00:11:21,960 Speaker 4: interest here, you're forty seven. Technically, retirement age or the 260 00:11:22,040 --> 00:11:25,280 Speaker 4: age that you can access your souperranuation with absolutely no 261 00:11:25,400 --> 00:11:28,040 Speaker 4: tax is sixty five years old, which is called your 262 00:11:28,040 --> 00:11:31,600 Speaker 4: preservation age, and at this point that's eighteen years away. 263 00:11:32,080 --> 00:11:34,920 Speaker 4: In another podcast episode we did recently, we said that 264 00:11:35,000 --> 00:11:37,959 Speaker 4: the ASX Top two hundred index fund had an average 265 00:11:38,040 --> 00:11:41,600 Speaker 4: return of nine point three percent over the last ten years. 266 00:11:41,600 --> 00:11:43,920 Speaker 4: So let's use those maths and have a look at it. 267 00:11:43,960 --> 00:11:47,200 Speaker 4: If you deposited one thousand dollars into an investment account 268 00:11:47,240 --> 00:11:50,280 Speaker 4: today and then every single month, because you are forty 269 00:11:50,320 --> 00:11:52,199 Speaker 4: seven and you're heading towards retirement, so you want to 270 00:11:52,240 --> 00:11:54,400 Speaker 4: take it a bit more seriously, We're not talking fifty 271 00:11:54,400 --> 00:11:56,240 Speaker 4: bucks here. You might go, all right, well, I want 272 00:11:56,240 --> 00:11:58,600 Speaker 4: to put five hundred dollars aside each month, And this 273 00:11:58,720 --> 00:12:00,840 Speaker 4: is just an example. It can gale up and down, 274 00:12:00,880 --> 00:12:02,679 Speaker 4: and you guys can go to the moneysmart dot gov, 275 00:12:02,760 --> 00:12:05,120 Speaker 4: dot AU website and have a look at their compound 276 00:12:05,160 --> 00:12:08,240 Speaker 4: interest calculator to do your own predictions. But at an 277 00:12:08,280 --> 00:12:11,240 Speaker 4: initial deposit of one thousand dollars and then five hundred 278 00:12:11,280 --> 00:12:14,360 Speaker 4: dollars each and every single month, you could be putting 279 00:12:14,400 --> 00:12:16,800 Speaker 4: yourself in a position where you have an additional two 280 00:12:16,880 --> 00:12:20,760 Speaker 4: hundred and eighty two thousand dollars to retire with. Amazing, 281 00:12:20,920 --> 00:12:24,000 Speaker 4: that's one hundred percent worth it. Given most women retire 282 00:12:24,120 --> 00:12:26,880 Speaker 4: with less than three hundred thousand dollars in their super account, 283 00:12:27,000 --> 00:12:29,360 Speaker 4: you could literally put yourself in a position where you're 284 00:12:29,400 --> 00:12:32,040 Speaker 4: double what the average is. How good is that? I 285 00:12:32,160 --> 00:12:35,280 Speaker 4: just feel like so many times when we're talking about 286 00:12:35,280 --> 00:12:38,720 Speaker 4: wealth or whether it's too late, people extrapolated out and 287 00:12:38,760 --> 00:12:40,960 Speaker 4: think we need millions. Do you know how much two 288 00:12:41,040 --> 00:12:44,360 Speaker 4: hundred and eighty thousand dollars for you in retirement? So much? 289 00:12:44,480 --> 00:12:48,360 Speaker 4: It is the difference between poverty and actually being able 290 00:12:48,559 --> 00:12:51,240 Speaker 4: to live a life that you deserve. We're not talking 291 00:12:51,280 --> 00:12:54,440 Speaker 4: about having to have hundreds of thousands of dollars of income. 292 00:12:54,760 --> 00:12:56,960 Speaker 4: And while a lot of examples in Sheese on the 293 00:12:57,000 --> 00:12:59,679 Speaker 4: Money use that it's because it's motivating to a young 294 00:12:59,679 --> 00:13:03,280 Speaker 4: a daymographic to get them to take financial literacy seriously, 295 00:13:03,600 --> 00:13:05,959 Speaker 4: because if I said to you Beck and Jess, oh 296 00:13:06,040 --> 00:13:08,480 Speaker 4: you could be two hundred grands better off, you're young, 297 00:13:08,480 --> 00:13:10,800 Speaker 4: You're like whatever, My friends save two hundred grand for 298 00:13:10,840 --> 00:13:13,920 Speaker 4: their first house, Like you just don't care as much 299 00:13:13,960 --> 00:13:15,280 Speaker 4: as if I said, Beck, do you want to be 300 00:13:15,320 --> 00:13:18,600 Speaker 4: a millionaire? Like it's clickbait. I'm using it to my 301 00:13:18,720 --> 00:13:23,040 Speaker 4: advantage to make people take financial literacy seriously. But at 302 00:13:23,080 --> 00:13:25,319 Speaker 4: the crux of it, being two hundred and eighty thousand 303 00:13:25,360 --> 00:13:28,680 Speaker 4: dollars better off in retirement is going to be life changing, 304 00:13:28,679 --> 00:13:31,160 Speaker 4: and I promise that. So No, it is never too 305 00:13:31,240 --> 00:13:34,000 Speaker 4: late to take financial literacy seriously. And Jess, you can 306 00:13:34,040 --> 00:13:36,040 Speaker 4: probably you know, chime in here. But we see it 307 00:13:36,080 --> 00:13:39,439 Speaker 4: all the time in our community, women who are closer 308 00:13:39,480 --> 00:13:41,600 Speaker 4: to retirement age saying, oh my god, I just found 309 00:13:41,600 --> 00:13:43,480 Speaker 4: this podcast. I'm better off for I just found this 310 00:13:43,520 --> 00:13:46,680 Speaker 4: podcast and I now understand my souper for the first 311 00:13:46,679 --> 00:13:49,160 Speaker 4: time in my life. Or I now have an emergency 312 00:13:49,160 --> 00:13:51,160 Speaker 4: fund and I didn't before, and I feel so much 313 00:13:51,160 --> 00:13:55,480 Speaker 4: more financially free. Financial freedom means different things to different people. 314 00:13:55,559 --> 00:13:58,720 Speaker 4: It's not necessarily becoming a millionaire and being a big 315 00:13:58,760 --> 00:14:01,120 Speaker 4: dog because that's not even what I think is feasible 316 00:14:01,160 --> 00:14:01,840 Speaker 4: for most people. 317 00:14:02,080 --> 00:14:04,360 Speaker 5: Yeah, And if you're in the position like Angela and she, 318 00:14:04,800 --> 00:14:07,520 Speaker 5: you know, mentioned that she was looking at hopefully maybe 319 00:14:07,559 --> 00:14:09,480 Speaker 5: retiring a little bit early and wanting to get into 320 00:14:09,520 --> 00:14:12,120 Speaker 5: property investment, do you think it would be worthwhile her 321 00:14:12,160 --> 00:14:15,400 Speaker 5: reaching out to a financial advisor to get some professional 322 00:14:15,400 --> 00:14:16,080 Speaker 5: advice around that? 323 00:14:16,240 --> 00:14:20,560 Speaker 4: One hundred percent over eighteen years, you have so much 324 00:14:20,600 --> 00:14:23,160 Speaker 4: power and so much time, and there's no such thing 325 00:14:23,240 --> 00:14:25,680 Speaker 4: as too late. I met somebody the other day who 326 00:14:25,760 --> 00:14:27,880 Speaker 4: is fifty five and at unique cause she's changing her career. 327 00:14:28,120 --> 00:14:29,240 Speaker 4: Isn't that sick of that? 328 00:14:29,440 --> 00:14:30,000 Speaker 2: Isn't that sick? 329 00:14:30,080 --> 00:14:31,760 Speaker 4: She's like, no, I always wanted to be a paramedic, 330 00:14:31,800 --> 00:14:34,280 Speaker 4: and I just decided I'm healthy. I'm you know, at 331 00:14:34,280 --> 00:14:36,280 Speaker 4: a stage in my life where all I'm doing is 332 00:14:36,320 --> 00:14:38,960 Speaker 4: regretting having not become a paramedic. And she's like, I've got, 333 00:14:39,000 --> 00:14:40,800 Speaker 4: you know, at least ten years in me before I 334 00:14:40,840 --> 00:14:43,440 Speaker 4: even think about retirement, before I even become that agent. 335 00:14:43,520 --> 00:14:45,400 Speaker 4: She's like, and I'm really fit, So I reckon, I'll 336 00:14:45,680 --> 00:14:47,360 Speaker 4: I've got more time than that. And I was just like, 337 00:14:47,680 --> 00:14:50,400 Speaker 4: how cool is it that there's this fifty five year 338 00:14:50,400 --> 00:14:53,480 Speaker 4: old who's back at UNI, who's probably got so much 339 00:14:53,520 --> 00:14:56,520 Speaker 4: more life experience than anyone else in that course at 340 00:14:56,520 --> 00:14:57,440 Speaker 4: this point in time. 341 00:14:57,600 --> 00:14:59,400 Speaker 2: Yeah, like what an asset that is. 342 00:14:59,520 --> 00:15:03,160 Speaker 4: Honestly, start seeing yourself as the asset you are, instead 343 00:15:03,200 --> 00:15:06,000 Speaker 4: of feeling like a burden, which I think a lot 344 00:15:06,040 --> 00:15:09,520 Speaker 4: of women once they pass their quote child bearing years 345 00:15:09,840 --> 00:15:12,280 Speaker 4: they feel. And I'm not saying that because I believe it. 346 00:15:12,320 --> 00:15:15,000 Speaker 4: I'm saying that because I have experienced women talking to 347 00:15:15,000 --> 00:15:16,360 Speaker 4: me about like, oh, I just don't feel like I 348 00:15:16,400 --> 00:15:18,360 Speaker 4: have direction or we should have done this when I 349 00:15:18,400 --> 00:15:18,840 Speaker 4: was younger. 350 00:15:19,120 --> 00:15:19,600 Speaker 2: Do it now? 351 00:15:19,840 --> 00:15:22,360 Speaker 5: The world doesn't end when we retire. You're like halfway 352 00:15:22,560 --> 00:15:25,120 Speaker 5: a little bit over halfway through your lifespan. Sure, which 353 00:15:25,160 --> 00:15:26,000 Speaker 5: is crazy, isn't it. 354 00:15:26,040 --> 00:15:28,520 Speaker 4: People are now living to one hundred and we actually, 355 00:15:28,640 --> 00:15:31,720 Speaker 4: as financial plan when I was a financial planner, used 356 00:15:31,720 --> 00:15:33,880 Speaker 4: to go to conferences and stuff and be talking about 357 00:15:33,880 --> 00:15:36,200 Speaker 4: life expectancy and it used to be eighty two years 358 00:15:36,200 --> 00:15:39,920 Speaker 4: and it's just increasing and as the medical world progresses, 359 00:15:40,040 --> 00:15:42,920 Speaker 4: it's just going to increase even more. And I find 360 00:15:42,960 --> 00:15:45,400 Speaker 4: it super interesting because I went to a conference a 361 00:15:45,440 --> 00:15:49,040 Speaker 4: while ago and one of the speakers said, recently a 362 00:15:49,120 --> 00:15:50,960 Speaker 4: baby was born that is going to make it to 363 00:15:50,960 --> 00:15:53,760 Speaker 4: one hundred and fifty years old. We don't know who 364 00:15:53,800 --> 00:15:58,280 Speaker 4: that is, but based on predictions of what our longevity 365 00:15:58,360 --> 00:16:01,920 Speaker 4: actually looks like, andsion in science and progression in technology, 366 00:16:01,920 --> 00:16:03,960 Speaker 4: there is literally someone on this earth that's going to 367 00:16:04,080 --> 00:16:07,560 Speaker 4: live to one fifty. That's crazy, right, that's incredible. So 368 00:16:07,680 --> 00:16:09,600 Speaker 4: key having to pay for their retirement. 369 00:16:12,040 --> 00:16:15,400 Speaker 5: That really is so interesting. But I want to wrap 370 00:16:15,400 --> 00:16:18,040 Speaker 5: it up because I am so keen to talk about 371 00:16:18,080 --> 00:16:21,040 Speaker 5: this week's DM conversation because it's happened to me and 372 00:16:21,120 --> 00:16:21,520 Speaker 5: I want to. 373 00:16:21,520 --> 00:16:23,960 Speaker 4: Talk about it same. I feel like this is going 374 00:16:24,040 --> 00:16:26,120 Speaker 4: to get really heated because I've never had this conversation 375 00:16:26,200 --> 00:16:29,000 Speaker 4: with all the stories, and I feel like, maybe, Beck, 376 00:16:29,080 --> 00:16:30,880 Speaker 4: have you had a little bit of a nasty's share 377 00:16:30,920 --> 00:16:32,120 Speaker 4: house experience in your time? 378 00:16:32,400 --> 00:16:33,560 Speaker 2: I've had some interesting ones. 379 00:16:33,640 --> 00:16:33,840 Speaker 3: Yeah. 380 00:16:34,600 --> 00:16:35,640 Speaker 2: So here's our DM. 381 00:16:35,800 --> 00:16:38,360 Speaker 4: It says High Team, hoping for a little bit of 382 00:16:38,400 --> 00:16:41,920 Speaker 4: help with a tricky sharehouse situation. I'm struggling with feeling 383 00:16:42,000 --> 00:16:44,840 Speaker 4: like I have a housemate who doesn't contribute regularly to 384 00:16:44,880 --> 00:16:49,080 Speaker 4: shared household items, for example, toilet paper, washing, liquid cleaning. 385 00:16:48,720 --> 00:16:49,560 Speaker 2: Products, et cetera. 386 00:16:50,080 --> 00:16:53,160 Speaker 4: Any idea on how to approach this we're pretty new 387 00:16:53,200 --> 00:16:55,720 Speaker 4: living together, so I just don't want it to be awkward. 388 00:16:56,320 --> 00:16:57,160 Speaker 2: What would you guys? 389 00:16:57,200 --> 00:16:59,800 Speaker 5: Do you have to set the boundaries early, because this 390 00:16:59,880 --> 00:17:01,840 Speaker 5: is mistake that I have made in the past, is 391 00:17:01,880 --> 00:17:04,600 Speaker 5: you let it go. And then in my situation, there 392 00:17:04,640 --> 00:17:08,000 Speaker 5: was three of us living together and two people were 393 00:17:08,040 --> 00:17:10,280 Speaker 5: kind of always doing everything in one person was just 394 00:17:10,359 --> 00:17:13,760 Speaker 5: free looting, and it got by for so long that 395 00:17:13,800 --> 00:17:15,960 Speaker 5: we've been living together for like six months, and it 396 00:17:16,040 --> 00:17:18,800 Speaker 5: was so much harder to have the conversation then, because 397 00:17:18,800 --> 00:17:21,880 Speaker 5: I think when you when you've just moved in, your 398 00:17:21,960 --> 00:17:25,320 Speaker 5: kind of finding your vibe, you can suggest alternative ways 399 00:17:25,359 --> 00:17:27,879 Speaker 5: of splitting things and it's not so weird because you 400 00:17:27,880 --> 00:17:29,520 Speaker 5: can be like, oh, I know, we've just kind of 401 00:17:29,520 --> 00:17:31,359 Speaker 5: figured it out. Here's what I did with a different 402 00:17:31,359 --> 00:17:33,719 Speaker 5: group of people and it worked really well. Whereas if 403 00:17:33,760 --> 00:17:35,440 Speaker 5: you get six months in, I feel like it feels 404 00:17:35,480 --> 00:17:38,679 Speaker 5: a bit more whack. You're going, hey, bestie, you're the 405 00:17:38,720 --> 00:17:41,200 Speaker 5: problem and so we need to find a solution, Whereas 406 00:17:41,200 --> 00:17:42,440 Speaker 5: if you do it early. 407 00:17:42,680 --> 00:17:45,320 Speaker 4: It's just sorting out your boundaries exactly. 408 00:17:45,480 --> 00:17:48,200 Speaker 2: I've been in some really awkward situations with housemates before 409 00:17:48,280 --> 00:17:50,760 Speaker 2: I know, the first house I moved into when I 410 00:17:50,800 --> 00:17:54,040 Speaker 2: moved to Melbourne was this little cute little house in Brunswick, 411 00:17:54,520 --> 00:17:58,040 Speaker 2: and literally to this day there's still someone who owes 412 00:17:58,560 --> 00:17:59,399 Speaker 2: a month's rent. 413 00:18:00,200 --> 00:18:03,920 Speaker 5: I have someone who still I'm getting getting. 414 00:18:05,280 --> 00:18:10,399 Speaker 2: Yeah, yeah, it was this, like, you know, you definitely 415 00:18:10,480 --> 00:18:13,200 Speaker 2: find some of these people in house house shares where 416 00:18:13,440 --> 00:18:16,359 Speaker 2: there's just one dodgy one that always just hops from 417 00:18:16,400 --> 00:18:20,240 Speaker 2: house to house somehow always gets away with it. I 418 00:18:20,320 --> 00:18:22,520 Speaker 2: managed to live with one of them, and she's out 419 00:18:22,520 --> 00:18:28,160 Speaker 2: there somewhere justading, freeloading, doing something with that rent money. 420 00:18:28,200 --> 00:18:29,960 Speaker 2: I don't know what. Yeah, it definitely is a little 421 00:18:29,960 --> 00:18:33,000 Speaker 2: bit awkward. I think that it's obviously best to set 422 00:18:33,040 --> 00:18:36,960 Speaker 2: the boundary ahead of time, but if you're too far 423 00:18:37,119 --> 00:18:41,080 Speaker 2: gone and there's still freeloading, best thing to do is 424 00:18:41,280 --> 00:18:44,560 Speaker 2: just get the entire household to download beam It or 425 00:18:44,600 --> 00:18:47,680 Speaker 2: like whatever else you want. Split wise. Beam It's cool 426 00:18:47,720 --> 00:18:49,360 Speaker 2: because you can like pay through the app. You don't 427 00:18:49,359 --> 00:18:50,840 Speaker 2: have to like say you've paid and then go to 428 00:18:50,880 --> 00:18:51,800 Speaker 2: your separate banking and. 429 00:18:52,520 --> 00:18:54,200 Speaker 4: Beam it was available in Australia. 430 00:18:54,480 --> 00:18:55,840 Speaker 2: Yeah, that's so exciting. 431 00:18:56,520 --> 00:18:57,359 Speaker 4: That's very cool. 432 00:18:57,760 --> 00:19:00,560 Speaker 2: Oh my god, I've led you onto so much. 433 00:19:00,560 --> 00:19:03,679 Speaker 4: Should I have learned about beamit and about iepantry. My 434 00:19:03,800 --> 00:19:05,159 Speaker 4: life has changed because of you. 435 00:19:05,200 --> 00:19:05,360 Speaker 3: Ben. 436 00:19:05,400 --> 00:19:07,320 Speaker 2: Oh my god, that's amazing. I'm so happy to hear that. 437 00:19:07,560 --> 00:19:10,160 Speaker 2: But yeah, I would say get the household to download 438 00:19:10,200 --> 00:19:13,520 Speaker 2: beem It so it feels like you're not targeting one person. 439 00:19:13,960 --> 00:19:16,679 Speaker 2: You're telling the whole house to do this. So it's 440 00:19:16,720 --> 00:19:20,200 Speaker 2: a lot easier to manage for everyone, not because one 441 00:19:20,240 --> 00:19:22,680 Speaker 2: person's not paying, but just so we all have a 442 00:19:22,720 --> 00:19:24,399 Speaker 2: little you know, make it seem a little bit casual, 443 00:19:24,400 --> 00:19:26,240 Speaker 2: and then just add everything on there so you can 444 00:19:26,359 --> 00:19:29,720 Speaker 2: literally see who's not paying. It's like written down you've 445 00:19:29,720 --> 00:19:31,399 Speaker 2: got on paper for you, you've got recints. 446 00:19:31,680 --> 00:19:33,400 Speaker 4: I feel like there's still going to be that one 447 00:19:33,440 --> 00:19:36,560 Speaker 4: person who doesn't pay you back if you're the housemate. 448 00:19:36,600 --> 00:19:38,480 Speaker 4: And I feel like, Jess, you were the housemate in 449 00:19:38,520 --> 00:19:41,080 Speaker 4: this situation, because you're very similar to me in that 450 00:19:41,280 --> 00:19:42,919 Speaker 4: if you go to the supermarket and you know you 451 00:19:42,960 --> 00:19:44,679 Speaker 4: need toilet paper, you would just go and buy the 452 00:19:44,720 --> 00:19:46,399 Speaker 4: toilet paper and put it in the house and just 453 00:19:46,440 --> 00:19:48,359 Speaker 4: like go, I'll just get them to get it next time, 454 00:19:48,560 --> 00:19:50,399 Speaker 4: and then twelve months down the track, you realize that 455 00:19:50,440 --> 00:19:52,920 Speaker 4: you've bought it every single month and no one else has. 456 00:19:53,200 --> 00:19:55,720 Speaker 4: How do you bring that up? How do you go, oh, hey, back, 457 00:19:55,960 --> 00:19:59,280 Speaker 4: could you like buy the toilet paper this time? Like 458 00:19:59,480 --> 00:20:01,680 Speaker 4: I feel like always like, oh yeah, I grab some next, 459 00:20:01,800 --> 00:20:02,320 Speaker 4: and then they. 460 00:20:02,200 --> 00:20:04,760 Speaker 2: Never get it. They never get it. Hmmm hmmm. 461 00:20:04,960 --> 00:20:07,160 Speaker 5: It's kind of that thing of like you can start 462 00:20:07,200 --> 00:20:09,400 Speaker 5: tracking it because maybe it goes the other way, maybe 463 00:20:09,400 --> 00:20:11,960 Speaker 5: your perceptions off. Let's play Devil's advocate. Maybe I'm just 464 00:20:12,040 --> 00:20:14,600 Speaker 5: feeling like I'm really carrying the load and not realizing 465 00:20:14,600 --> 00:20:16,920 Speaker 5: what someone else is doing. So I feel like, as 466 00:20:16,960 --> 00:20:19,240 Speaker 5: you said, it's good to just have your ducks in 467 00:20:19,280 --> 00:20:21,320 Speaker 5: a row, So like I would personally start kind of 468 00:20:21,359 --> 00:20:23,600 Speaker 5: keeping a track of what I'm doing so that I 469 00:20:23,600 --> 00:20:26,399 Speaker 5: can say, hey, like here's what I've done. What have 470 00:20:26,480 --> 00:20:28,720 Speaker 5: you done? And you can kind of compare notes, like 471 00:20:28,760 --> 00:20:31,480 Speaker 5: maybe she's getting dishwashing liquid and you're getting toilet. 472 00:20:31,240 --> 00:20:33,520 Speaker 4: Paper, and you just feel that it's out of sync, 473 00:20:33,560 --> 00:20:35,720 Speaker 4: but they're actually contributing in another way. 474 00:20:35,560 --> 00:20:37,680 Speaker 5: Correct Or if it goes the other way and you're 475 00:20:37,720 --> 00:20:39,480 Speaker 5: buying everything, then you can be like, hey, like you 476 00:20:39,520 --> 00:20:40,040 Speaker 5: own me four. 477 00:20:39,920 --> 00:20:40,720 Speaker 2: Hundred dollars or whatever. 478 00:20:42,119 --> 00:20:43,840 Speaker 5: WHOA see. 479 00:20:43,880 --> 00:20:46,359 Speaker 4: I don't think it's fair, like as much as I 480 00:20:46,400 --> 00:20:48,000 Speaker 4: don't think it's fair that you would have to spend 481 00:20:48,040 --> 00:20:51,720 Speaker 4: four hundred dollars. I also think that it shouldn't get 482 00:20:51,720 --> 00:20:54,359 Speaker 4: to four hundred dollars rolling before you go, Beck, you 483 00:20:54,359 --> 00:20:56,159 Speaker 4: owe me this, and Beck's going to go I don't 484 00:20:56,240 --> 00:20:58,240 Speaker 4: have that cash. I don't know what you think I'm 485 00:20:58,240 --> 00:20:58,960 Speaker 4: going to do here. 486 00:20:59,200 --> 00:20:59,400 Speaker 1: Yeah. 487 00:20:59,440 --> 00:21:00,840 Speaker 4: I think we should nip it in the butt at 488 00:21:00,880 --> 00:21:02,800 Speaker 4: the very start and be like, oh, I spent twelve 489 00:21:02,840 --> 00:21:05,440 Speaker 4: dollars on toilet paper, you're only six bucks or whatever 490 00:21:05,440 --> 00:21:07,760 Speaker 4: it is. And while it feels petty like using an 491 00:21:07,760 --> 00:21:10,040 Speaker 4: app like Beaman or split Wives, which I do have 492 00:21:10,080 --> 00:21:12,480 Speaker 4: a lot of experience with, can actually just keep track 493 00:21:12,520 --> 00:21:14,560 Speaker 4: of that. So guys, do not let it get out 494 00:21:14,600 --> 00:21:17,040 Speaker 4: of hand, because one you'll be mad because you're out 495 00:21:17,040 --> 00:21:19,720 Speaker 4: four hundred bucks, but two, it just becomes such an 496 00:21:19,760 --> 00:21:20,679 Speaker 4: awkward conversation. 497 00:21:21,200 --> 00:21:24,000 Speaker 5: Yes, I feel like a lot of people messages though, 498 00:21:24,040 --> 00:21:26,800 Speaker 5: with alternative ways of doing it, because I think that's 499 00:21:26,840 --> 00:21:28,639 Speaker 5: the other thing is when you live with people, you 500 00:21:28,640 --> 00:21:30,480 Speaker 5: don't just have to split everything like you. There's a 501 00:21:30,560 --> 00:21:32,800 Speaker 5: lot of different systems that different people have that work 502 00:21:32,880 --> 00:21:34,400 Speaker 5: for them. Right, What did people say. 503 00:21:34,440 --> 00:21:39,080 Speaker 4: Oh, their responses are so fast, so everyone's got a 504 00:21:39,119 --> 00:21:41,919 Speaker 4: story and it makes us heated. When someone says, I 505 00:21:42,040 --> 00:21:43,919 Speaker 4: just hit toilet paper in my room for you. 506 00:21:45,119 --> 00:21:48,199 Speaker 2: That's not a bad idea. I was like, you do you? 507 00:21:48,280 --> 00:21:50,360 Speaker 4: But I would get to the bathroom and have forgotten 508 00:21:50,400 --> 00:21:54,600 Speaker 4: to go get this. I'm sure someone else said there's 509 00:21:54,680 --> 00:21:56,919 Speaker 4: no such thing as a shared expense or a shared 510 00:21:56,920 --> 00:21:59,000 Speaker 4: household item until it's been agreed to. 511 00:21:59,560 --> 00:22:01,760 Speaker 2: That's a really good that's a good perspective. 512 00:22:02,119 --> 00:22:04,679 Speaker 4: There have been a couple of suggestions to download split 513 00:22:04,680 --> 00:22:06,840 Speaker 4: wise and track how much they end up owing you 514 00:22:07,320 --> 00:22:09,959 Speaker 4: someone else. I'm not sure about this one because it 515 00:22:10,000 --> 00:22:13,439 Speaker 4: falls to the being one individual's responsibility. They said, have 516 00:22:13,440 --> 00:22:15,600 Speaker 4: a commun or kiddy that one person manages. 517 00:22:16,160 --> 00:22:18,480 Speaker 5: I feel like someone has to take on the treasure rock. 518 00:22:19,440 --> 00:22:22,119 Speaker 4: Also, like, what are you out here buying sorbent and 519 00:22:22,160 --> 00:22:24,440 Speaker 4: toilet paper? I just wanted to buy black and gold. 520 00:22:24,480 --> 00:22:25,879 Speaker 4: Why are you wasting money on sorbent? 521 00:22:26,080 --> 00:22:26,320 Speaker 1: Yeah? 522 00:22:26,359 --> 00:22:28,320 Speaker 4: Exactly, what do you mean you didn't buy the home 523 00:22:28,400 --> 00:22:30,000 Speaker 4: Rand version? Or what do you mean you bought the 524 00:22:30,040 --> 00:22:31,919 Speaker 4: home brand version? What is my money going to? 525 00:22:32,200 --> 00:22:32,280 Speaker 1: Like? 526 00:22:32,320 --> 00:22:34,720 Speaker 4: That's such a heated conversation that you could get into 527 00:22:35,440 --> 00:22:38,240 Speaker 4: a lot of people. Now I read these Becker suggesting bemit. 528 00:22:38,640 --> 00:22:42,320 Speaker 4: So I have indeed been ding under a rock. Someone said, 529 00:22:42,359 --> 00:22:43,800 Speaker 4: I don't know how to bring it up, so I 530 00:22:43,880 --> 00:22:50,040 Speaker 4: just don't cry in my room relatable mirror if to 531 00:22:50,080 --> 00:22:52,040 Speaker 4: me and have a chat, I think we can have 532 00:22:52,080 --> 00:22:55,000 Speaker 4: a chat. Someone else said we ended up having to 533 00:22:55,119 --> 00:22:58,040 Speaker 4: raise our housemates rent to make up for the amount 534 00:22:58,160 --> 00:23:01,359 Speaker 4: he wasn't contributing. Imagine being like, all right, Jess, you 535 00:23:01,440 --> 00:23:03,840 Speaker 4: now have one hundred dollars a week more rent to 536 00:23:03,880 --> 00:23:05,480 Speaker 4: pay because you keep using my TP. 537 00:23:06,840 --> 00:23:09,119 Speaker 5: If you found out, though, I feel like you'd be 538 00:23:09,400 --> 00:23:10,960 Speaker 5: so yes about that. 539 00:23:11,000 --> 00:23:17,000 Speaker 2: I wonder if they rode up like a fake your rental. 540 00:23:15,560 --> 00:23:17,200 Speaker 4: It was completely fraudulent. 541 00:23:17,520 --> 00:23:19,920 Speaker 2: Y that is wild. 542 00:23:20,119 --> 00:23:21,960 Speaker 4: Someone else has suggested make sure you have a group 543 00:23:22,040 --> 00:23:24,200 Speaker 4: chat with all the housemates and use it. You need 544 00:23:24,200 --> 00:23:26,640 Speaker 4: to verbalize what you need, which I think is really important. 545 00:23:26,680 --> 00:23:29,000 Speaker 4: I think, as we're saying before, nip it in the 546 00:23:29,000 --> 00:23:31,280 Speaker 4: bud and track it. And even if it's small, I 547 00:23:31,280 --> 00:23:34,760 Speaker 4: think it should be added. Someone else said, chuck a 548 00:23:34,800 --> 00:23:37,320 Speaker 4: list on the fridge of basics and initial each time 549 00:23:37,560 --> 00:23:40,240 Speaker 4: you purchase it. I've done this before and it worked 550 00:23:40,320 --> 00:23:43,879 Speaker 4: really well. Someone said it's hard, but don't sweat the 551 00:23:43,880 --> 00:23:46,600 Speaker 4: small stuff. Think of the money you're saving by just 552 00:23:46,680 --> 00:23:47,760 Speaker 4: living in a share house. 553 00:23:48,080 --> 00:23:51,120 Speaker 5: Okay, you say that, you say that it's not worth 554 00:23:51,160 --> 00:23:51,960 Speaker 5: the emotional trauma. 555 00:23:52,080 --> 00:23:54,480 Speaker 4: Have you lived in a sharehouse? Because there's somebody who 556 00:23:54,560 --> 00:23:57,680 Speaker 4: lived years in a sharehouse. It's not how it goes. 557 00:23:57,840 --> 00:24:01,240 Speaker 2: No, you live in a sharehouse because those little little 558 00:24:01,320 --> 00:24:03,000 Speaker 2: dollars mean a lot to you. 559 00:24:03,440 --> 00:24:06,720 Speaker 4: Yeah, But then also I feel like compounds over time. 560 00:24:06,800 --> 00:24:08,439 Speaker 4: I used to live with a housemate that I have 561 00:24:08,640 --> 00:24:12,080 Speaker 4: a crazy housemate story, well a couple of crazy housemate stories, 562 00:24:12,119 --> 00:24:15,040 Speaker 4: but I have one crazy housemate that was literally that person. 563 00:24:15,119 --> 00:24:17,639 Speaker 4: She never paid for anything. She would use my shampoo 564 00:24:17,680 --> 00:24:20,479 Speaker 4: and my conditioner, and she would use all of my staff. 565 00:24:20,520 --> 00:24:23,280 Speaker 4: And as a poor UNI student who used to like 566 00:24:23,520 --> 00:24:25,240 Speaker 4: one of my things that I would always spend money 567 00:24:25,240 --> 00:24:28,040 Speaker 4: on with shampoo and conditioner, like, I'd get so salty 568 00:24:28,280 --> 00:24:30,119 Speaker 4: to the point where I ended up having like a 569 00:24:30,160 --> 00:24:33,199 Speaker 4: little do you remember that shower you know plastic cleaning 570 00:24:33,320 --> 00:24:35,800 Speaker 4: caddies that you could buy. I had almost shower products 571 00:24:35,800 --> 00:24:37,520 Speaker 4: in there, and I'd keep it in my room. And 572 00:24:37,560 --> 00:24:40,359 Speaker 4: then I swore, I swore they were still going down. 573 00:24:40,680 --> 00:24:42,720 Speaker 4: Turns out she was going into my room and getting 574 00:24:42,720 --> 00:24:43,840 Speaker 4: my products to use. 575 00:24:43,680 --> 00:24:46,800 Speaker 5: While still that's such an invasion. 576 00:24:47,040 --> 00:24:50,000 Speaker 4: My other housemates suggested that we put nair in the shampoo, 577 00:24:50,040 --> 00:24:52,040 Speaker 4: but I just didn't have the guts to do that. 578 00:24:52,359 --> 00:24:54,560 Speaker 4: Hindsight would have made for a really good story, but 579 00:24:54,640 --> 00:24:58,959 Speaker 4: decided probably not the most ethical thing to do. She also, 580 00:25:00,280 --> 00:25:01,720 Speaker 4: I don't know how much you want to know about 581 00:25:01,720 --> 00:25:05,120 Speaker 4: this housemate everything. Yeah, okay, so she didn't like doing 582 00:25:05,119 --> 00:25:07,840 Speaker 4: her washing, and when we were out of washing powder, 583 00:25:07,880 --> 00:25:09,320 Speaker 4: and when I say out of washing powder, it was 584 00:25:09,359 --> 00:25:11,600 Speaker 4: sitten in one of my other housemates' rooms. Because we 585 00:25:11,600 --> 00:25:13,640 Speaker 4: were so sick of the fact that she wouldn't do it, 586 00:25:14,080 --> 00:25:15,840 Speaker 4: she started taking my underwear. 587 00:25:18,160 --> 00:25:20,560 Speaker 5: I actually have heard about this housemates boy, I remember that, 588 00:25:20,600 --> 00:25:21,520 Speaker 5: I remember this. 589 00:25:21,640 --> 00:25:24,560 Speaker 4: But yeah, so she took my underwear. And then one 590 00:25:24,600 --> 00:25:26,800 Speaker 4: weekend you're going to remember this part two. I was 591 00:25:26,880 --> 00:25:29,480 Speaker 4: quite young at university and I would go home on 592 00:25:29,520 --> 00:25:31,840 Speaker 4: the weekends because I had a job back where I 593 00:25:31,920 --> 00:25:34,520 Speaker 4: used to live with my parents, and I'd work there Friday, Saturday, 594 00:25:34,560 --> 00:25:36,720 Speaker 4: Sunday and then come back up for UNI during the 595 00:25:36,760 --> 00:25:39,400 Speaker 4: week right, So I went home one weekend and came 596 00:25:39,480 --> 00:25:42,400 Speaker 4: back on the Sunday night to find out that all 597 00:25:42,440 --> 00:25:45,800 Speaker 4: of the pre made meals my mom had mate all 598 00:25:45,880 --> 00:25:48,600 Speaker 4: of the meat that my mum had like organized me 599 00:25:48,640 --> 00:25:50,119 Speaker 4: because she would give me, like, you know, if there 600 00:25:50,160 --> 00:25:51,960 Speaker 4: was an extra chicken breast or something, she put in 601 00:25:52,000 --> 00:25:53,440 Speaker 4: a ziploc bag and I'd take her home and put 602 00:25:53,440 --> 00:25:55,480 Speaker 4: in my freezer, right, and I feel like that's such 603 00:25:55,480 --> 00:25:58,040 Speaker 4: a month thing. But this housemate had thrown it out 604 00:25:58,080 --> 00:25:59,560 Speaker 4: because she decided to go vegan. 605 00:26:00,040 --> 00:26:03,119 Speaker 2: I don't want any meat products in the house. And 606 00:26:03,200 --> 00:26:04,240 Speaker 2: so like my mom. 607 00:26:04,080 --> 00:26:06,800 Speaker 4: Had made like you know, single serves of Bolonni's and 608 00:26:06,840 --> 00:26:09,840 Speaker 4: single serves of like her favorite was like curried sausages, 609 00:26:09,880 --> 00:26:12,600 Speaker 4: and I was obsessed. I'm still obsessed with curried sausages. 610 00:26:12,640 --> 00:26:15,320 Speaker 4: But she literally threw out all of my meals that 611 00:26:15,359 --> 00:26:17,840 Speaker 4: my mom had crept for me and organized, and thinks 612 00:26:17,840 --> 00:26:19,959 Speaker 4: that I had been freezing because, as you know, as 613 00:26:20,000 --> 00:26:22,680 Speaker 4: a poor UNI student, chicken's expensive. So if your mom 614 00:26:22,720 --> 00:26:24,439 Speaker 4: gives you a chicken, I'm going to freeze that and 615 00:26:24,520 --> 00:26:25,880 Speaker 4: use that later for a stir fry. 616 00:26:26,000 --> 00:26:26,639 Speaker 5: That's like gold. 617 00:26:26,760 --> 00:26:27,320 Speaker 3: That's good. 618 00:26:28,040 --> 00:26:31,920 Speaker 4: She threw it all out. I was so seasy, so mean, 619 00:26:32,440 --> 00:26:35,760 Speaker 4: and then she acted like I was the problem, oh, 620 00:26:35,840 --> 00:26:37,840 Speaker 4: because you're a meat eater. Yeah, and it made her 621 00:26:37,880 --> 00:26:40,680 Speaker 4: uncomfortable thinking about how many dead animals were in her 622 00:26:40,720 --> 00:26:44,719 Speaker 4: fridge at night. Oh no, crazy jokes on me. I'm 623 00:26:44,760 --> 00:26:50,720 Speaker 4: now so story so or it did work, it works, 624 00:26:50,760 --> 00:26:52,960 Speaker 4: but we're not going to give her that. Back to this, 625 00:26:53,160 --> 00:26:54,879 Speaker 4: a few people are just saying you need to make 626 00:26:54,920 --> 00:26:57,159 Speaker 4: sure that you bring it up and just have a conversation, 627 00:26:57,240 --> 00:27:00,600 Speaker 4: which seems to be the underlying conversation here. And then 628 00:27:00,640 --> 00:27:03,480 Speaker 4: two other people have suggested a monthly kitty for shared 629 00:27:03,520 --> 00:27:05,840 Speaker 4: household items, So do a budget and work out how 630 00:27:05,960 --> 00:27:08,600 Speaker 4: much per month you're spending on shared household items and 631 00:27:08,640 --> 00:27:11,480 Speaker 4: then split it. They've done this over a couple of messages. 632 00:27:11,480 --> 00:27:13,840 Speaker 4: So they've said you can even include things like balsamic 633 00:27:13,920 --> 00:27:17,280 Speaker 4: vinegar and oil and butter and shared items, which I 634 00:27:17,280 --> 00:27:20,600 Speaker 4: think is quite quite smart. But I think the problem 635 00:27:20,920 --> 00:27:24,199 Speaker 4: with that from my perspective is some months you do 636 00:27:24,280 --> 00:27:26,399 Speaker 4: need to go buy a sum new balsamic vinegar and oil, 637 00:27:26,800 --> 00:27:28,879 Speaker 4: and that's kind of expensive, right, well, it's oil like 638 00:27:28,920 --> 00:27:32,000 Speaker 4: twelve bucks a bottle or something at the moment, But 639 00:27:32,080 --> 00:27:34,159 Speaker 4: then some months you won't have to, so like, do 640 00:27:34,200 --> 00:27:36,480 Speaker 4: you put the same eating each month? And then is 641 00:27:36,520 --> 00:27:39,199 Speaker 4: that I don't know. I just I find managing money 642 00:27:39,520 --> 00:27:42,560 Speaker 4: with other people who are not your partner incredibly challenging. 643 00:27:42,720 --> 00:27:45,119 Speaker 5: It relies on you having a really good relationship with 644 00:27:45,160 --> 00:27:47,720 Speaker 5: those people. I think as well, because if I think 645 00:27:47,760 --> 00:27:50,200 Speaker 5: back on some of my living situations, what might have 646 00:27:50,280 --> 00:27:53,080 Speaker 5: started out really well got more strained over time, particularly 647 00:27:53,119 --> 00:27:55,640 Speaker 5: in situations like this where one person wasn't pulling their weight. 648 00:27:55,960 --> 00:27:57,800 Speaker 5: By the end of it, I feel like everything's not rosy. 649 00:27:57,840 --> 00:27:59,359 Speaker 5: I don't want to sit down and work out a 650 00:27:59,359 --> 00:28:02,160 Speaker 5: budget for you. Figure it out yourself, Like I don't 651 00:28:02,160 --> 00:28:04,120 Speaker 5: want to be pulling your weight, and I'm kissed off 652 00:28:04,119 --> 00:28:07,000 Speaker 5: because you're not pulling your weight. Why would I then 653 00:28:07,040 --> 00:28:09,440 Speaker 5: go and budget for you when you're probably not even 654 00:28:09,480 --> 00:28:10,200 Speaker 5: going to pay for it. 655 00:28:10,520 --> 00:28:13,119 Speaker 4: I feel like there's some level of give and take 656 00:28:13,200 --> 00:28:15,520 Speaker 4: as well here. So if you're a bit like you know, 657 00:28:15,880 --> 00:28:18,200 Speaker 4: Jess and I I don't want to do somebody else's budget, 658 00:28:18,200 --> 00:28:20,399 Speaker 4: you're right, yeah, But like if I felt that you 659 00:28:20,400 --> 00:28:22,320 Speaker 4: and I were living together and you bought some things 660 00:28:22,359 --> 00:28:24,919 Speaker 4: and I bought some other things and it just felt fair, 661 00:28:25,960 --> 00:28:27,760 Speaker 4: I just don't think I would. It's kind of like 662 00:28:27,800 --> 00:28:30,119 Speaker 4: sometimes I'll grab the coffee, sometimes you grab the coffee, 663 00:28:30,200 --> 00:28:31,600 Speaker 4: but you also know that I'm going to grab the 664 00:28:31,600 --> 00:28:33,960 Speaker 4: coffee next time, because like in my head, I know that, 665 00:28:34,000 --> 00:28:35,159 Speaker 4: do you know what I mean. It's kind of like 666 00:28:35,200 --> 00:28:37,240 Speaker 4: this idea that all right, well just bought the oil, 667 00:28:37,280 --> 00:28:38,960 Speaker 4: I owe her one like, and I feel. 668 00:28:38,720 --> 00:28:40,480 Speaker 2: Like that's the right approach to it. 669 00:28:40,840 --> 00:28:43,080 Speaker 4: But then there are some crazy housemates who are like, yeah, 670 00:28:43,120 --> 00:28:45,480 Speaker 4: you owly fifty one dollars and forty eight cents and 671 00:28:45,520 --> 00:28:48,080 Speaker 4: you're like, forty eight cents doesn't even exist anymore, babe, 672 00:28:48,080 --> 00:28:50,760 Speaker 4: why did you get this now? So I just it's 673 00:28:50,800 --> 00:28:53,120 Speaker 4: a struggle. But I think that you need to find 674 00:28:53,240 --> 00:28:55,000 Speaker 4: the flow, and the best way to do that is 675 00:28:55,040 --> 00:28:58,600 Speaker 4: with a really good conversation at the start of your 676 00:28:58,720 --> 00:28:59,960 Speaker 4: living arrangement. 677 00:29:00,160 --> 00:29:02,560 Speaker 5: And for whoever already in we know you're already living together, 678 00:29:02,680 --> 00:29:05,640 Speaker 5: have the conversation now it's awkward, buck up, It'll be 679 00:29:05,760 --> 00:29:07,200 Speaker 5: way easier for you in the long term. 680 00:29:07,400 --> 00:29:10,800 Speaker 4: Yeah, and I feel like, be confrontational about it, like 681 00:29:10,880 --> 00:29:13,760 Speaker 4: not aggressive and rude, but don't leave passive notes out. 682 00:29:14,160 --> 00:29:17,320 Speaker 4: Don't leave a passive group chat message as you're leaving 683 00:29:17,360 --> 00:29:19,320 Speaker 4: the house. Actually, just be like, hey, we need to 684 00:29:19,320 --> 00:29:22,320 Speaker 4: have a chat, and have that conversation, and yes, you're right. 685 00:29:22,400 --> 00:29:24,880 Speaker 4: Sometimes it's easier to just drop, hey, you owe me 686 00:29:25,160 --> 00:29:27,040 Speaker 4: X for X in a group chat. But how about 687 00:29:27,040 --> 00:29:29,800 Speaker 4: we set the expectations in person, because that's when things 688 00:29:29,800 --> 00:29:33,960 Speaker 4: get petty and aggressive and it just blows out of proportion. Amen, 689 00:29:34,240 --> 00:29:37,560 Speaker 4: No passive aggressive notes at my ex vegan housemate who 690 00:29:37,560 --> 00:29:39,400 Speaker 4: throughout all my meat and used to leave passive aggressive 691 00:29:39,440 --> 00:29:42,480 Speaker 4: notes on everything I own. I wan't know who this 692 00:29:42,560 --> 00:29:44,960 Speaker 4: is to see. I'll show you later. Okay, all right, 693 00:29:45,000 --> 00:29:47,120 Speaker 4: but guys, I think that's all we have time for today, 694 00:29:47,240 --> 00:29:50,360 Speaker 4: so we will see you next week. Have a good weekend, friends, 695 00:29:50,480 --> 00:29:59,760 Speaker 4: Have a good weekend. Bye bye, guys. Did buy shared? 696 00:29:59,880 --> 00:29:59,960 Speaker 1: Or? 697 00:30:00,160 --> 00:30:02,560 Speaker 4: She's on the Money is general in nature and does 698 00:30:02,600 --> 00:30:06,560 Speaker 4: not consider your individual circumstances. She's on the Money exists 699 00:30:06,680 --> 00:30:09,880 Speaker 4: purely for educational purposes and should not be relied upon 700 00:30:09,960 --> 00:30:13,000 Speaker 4: to make an investment or financial decision. If you do 701 00:30:13,160 --> 00:30:14,680 Speaker 4: choose to buy a financial. 702 00:30:14,320 --> 00:30:18,320 Speaker 3: Product, read the PDS TMD and obtain appropriate financial. 703 00:30:17,920 --> 00:30:19,680 Speaker 4: Advice tailored towards your needs. 704 00:30:20,040 --> 00:30:24,000 Speaker 3: Victoria Divine and She's on the Money are authorized representatives 705 00:30:24,040 --> 00:30:28,080 Speaker 3: of money. Sheper pty Ltd ABN three two one six 706 00:30:28,240 --> 00:30:32,120 Speaker 3: four nine two seven seven zero eight, AFSL four five 707 00:30:32,200 --> 00:30:35,520 Speaker 3: one two eight nine