1 00:00:01,240 --> 00:00:05,439 Speaker 1: She's on the Money, She's on the Money. 2 00:00:17,800 --> 00:00:20,799 Speaker 2: Hello, and welcome to She's on the Money, the podcast 3 00:00:20,880 --> 00:00:24,119 Speaker 2: for millennials who want financial freedom. Now by now you 4 00:00:24,239 --> 00:00:26,880 Speaker 2: probably know that my name is Victoria Devine and as 5 00:00:26,960 --> 00:00:30,200 Speaker 2: always I am joined for Money Diaries by Ryan John. 6 00:00:30,720 --> 00:00:34,080 Speaker 2: This week's diary was honestly one of our favorites to date. 7 00:00:34,120 --> 00:00:35,600 Speaker 2: And I know we say that all the time, but 8 00:00:35,680 --> 00:00:38,519 Speaker 2: we were joined by one of our country community members 9 00:00:38,680 --> 00:00:41,720 Speaker 2: who's savvy seven year old is helping the family make 10 00:00:41,760 --> 00:00:45,159 Speaker 2: better investment choices. This is the email she sent to 11 00:00:45,200 --> 00:00:45,560 Speaker 2: the team. 12 00:00:46,440 --> 00:00:50,479 Speaker 3: Hey, Ryan, I started investing with Superhero in November twenty twenty, 13 00:00:50,560 --> 00:00:53,280 Speaker 3: so that's a lot not that long ago, late last year. 14 00:00:53,880 --> 00:00:56,880 Speaker 2: Yeah, that's actually quite recent. That's four months. 15 00:00:56,560 --> 00:00:59,040 Speaker 3: Ago after learning all about investing through She's on the 16 00:00:59,040 --> 00:01:01,639 Speaker 3: Money in other podcasts that I listened to during lockdown. 17 00:01:02,040 --> 00:01:04,720 Speaker 3: We have a smaller portfolio, investing between one hundred and 18 00:01:04,760 --> 00:01:06,560 Speaker 3: one hundred and fifty dollars as that's all we could 19 00:01:06,600 --> 00:01:09,640 Speaker 3: afford as a family at the time, currently sitting on 20 00:01:09,720 --> 00:01:12,479 Speaker 3: nine investments with a return of four point eight nine 21 00:01:12,520 --> 00:01:15,920 Speaker 3: percent return, although this varies daily obviously. Now this is 22 00:01:15,920 --> 00:01:17,400 Speaker 3: where it's going to get really interesting for YOUV you 23 00:01:17,400 --> 00:01:17,720 Speaker 3: ready for. 24 00:01:17,720 --> 00:01:18,839 Speaker 2: This, I'm so ready. 25 00:01:20,120 --> 00:01:21,240 Speaker 4: We love the ease of. 26 00:01:21,200 --> 00:01:24,960 Speaker 3: Superhero to purchase the information provided and it's a simple format. 27 00:01:25,200 --> 00:01:27,560 Speaker 3: So much so that one of the nine investments we 28 00:01:27,560 --> 00:01:30,720 Speaker 3: are sitting on was chosen by my seven year old 29 00:01:30,800 --> 00:01:32,880 Speaker 3: because when I was reading up on the company, he 30 00:01:32,959 --> 00:01:33,880 Speaker 3: decided to help me. 31 00:01:34,800 --> 00:01:36,600 Speaker 4: That's actually seven years old. 32 00:01:36,720 --> 00:01:38,679 Speaker 2: That's so cute. And you know what, Ryan, that actually 33 00:01:38,720 --> 00:01:42,240 Speaker 2: ties into recent research that says your money story starts 34 00:01:42,240 --> 00:01:45,680 Speaker 2: foming at the age of seven. Check that out a 35 00:01:45,720 --> 00:01:46,640 Speaker 2: Superhero fan. 36 00:01:47,000 --> 00:01:48,880 Speaker 3: So once a month, the seven year old and I 37 00:01:48,920 --> 00:01:50,880 Speaker 3: sit down and we check in and we see how 38 00:01:51,000 --> 00:01:51,800 Speaker 3: our investments go. 39 00:01:51,880 --> 00:01:53,560 Speaker 2: That makes my soul so happy. 40 00:01:53,800 --> 00:01:54,640 Speaker 4: We so love it. 41 00:01:54,840 --> 00:01:57,040 Speaker 3: I always thought that this was something we couldn't achieve 42 00:01:57,040 --> 00:01:59,320 Speaker 3: whilst having a young family slash saving for a house, 43 00:01:59,320 --> 00:02:01,760 Speaker 3: because you know, we've got these young kids for a house. 44 00:02:01,840 --> 00:02:03,400 Speaker 3: But they said, no, we're going to spread it out 45 00:02:03,440 --> 00:02:05,680 Speaker 3: and we can have multiple priorities at a time, and 46 00:02:05,720 --> 00:02:07,800 Speaker 3: as well as saving up for their emergency fund and 47 00:02:07,840 --> 00:02:10,400 Speaker 3: getting ready and through the bushfire evacuations and stuff like that. 48 00:02:10,760 --> 00:02:11,720 Speaker 3: They've had a tough time. 49 00:02:11,680 --> 00:02:12,880 Speaker 2: And they're still investing. 50 00:02:13,200 --> 00:02:15,600 Speaker 3: They've kind of just decided that we're not going to 51 00:02:15,639 --> 00:02:18,000 Speaker 3: have an excuse, and even though we can only invest 52 00:02:18,000 --> 00:02:19,120 Speaker 3: little bits, we're. 53 00:02:19,000 --> 00:02:19,640 Speaker 4: Still going to do it. 54 00:02:19,680 --> 00:02:22,560 Speaker 2: That is the mentality that I would like everybody to have. 55 00:02:22,919 --> 00:02:24,040 Speaker 4: Let's give them a call, shall we? 56 00:02:24,160 --> 00:02:24,960 Speaker 2: Let's call them now? 57 00:02:30,800 --> 00:02:33,760 Speaker 4: Hello, Hey, this is Ryan from ses on the Money. 58 00:02:33,760 --> 00:02:34,240 Speaker 4: Hey you doing. 59 00:02:34,760 --> 00:02:36,480 Speaker 1: I'm well, how are you well? 60 00:02:36,480 --> 00:02:38,280 Speaker 4: I've got Victoria to vine with me here as well 61 00:02:38,320 --> 00:02:38,840 Speaker 4: as say hi. 62 00:02:38,760 --> 00:02:42,600 Speaker 2: The hello, Hello, how are you well? Thank you? How 63 00:02:42,600 --> 00:02:46,160 Speaker 2: are you really well? Victoria was so grateful that you're 64 00:02:46,240 --> 00:02:48,680 Speaker 2: joining us, especially at kids' dinner time. 65 00:02:49,520 --> 00:02:52,120 Speaker 1: That's okay. I was like, to sit there, I. 66 00:02:52,080 --> 00:02:53,200 Speaker 2: Mean, do we get dinner too? 67 00:02:54,560 --> 00:02:56,000 Speaker 1: Pop round. 68 00:02:56,800 --> 00:03:00,600 Speaker 3: Victoria was very tough to hear that you're seven year 69 00:03:00,600 --> 00:03:02,919 Speaker 3: old is getting into the investing side of things. 70 00:03:03,760 --> 00:03:06,280 Speaker 1: Yes. So he was like, I don't like this one, mom, 71 00:03:06,360 --> 00:03:08,720 Speaker 1: how about we talk about because I gave them sort 72 00:03:08,760 --> 00:03:11,160 Speaker 1: of two options when we were looking at the profiles 73 00:03:11,160 --> 00:03:14,160 Speaker 1: because it's quite basic up on Superhero and he was like, no, 74 00:03:14,240 --> 00:03:15,760 Speaker 1: I don't really like that one, and I was like, 75 00:03:15,760 --> 00:03:16,160 Speaker 1: oh why. 76 00:03:17,400 --> 00:03:19,480 Speaker 2: So we were like, look, I read the ad report 77 00:03:19,600 --> 00:03:22,240 Speaker 2: and their CEO just hadn't made some really bad decisions 78 00:03:22,280 --> 00:03:23,560 Speaker 2: in the last financial year. 79 00:03:24,919 --> 00:03:27,320 Speaker 1: I was like, look, this is how and he's like, mom, 80 00:03:27,360 --> 00:03:31,000 Speaker 1: So we went with Arena and he chose that one 81 00:03:31,000 --> 00:03:36,240 Speaker 1: because it builds early learning development centers, childcares and so forth, 82 00:03:36,560 --> 00:03:39,720 Speaker 1: and healthcare over the other one I was looking at 83 00:03:40,040 --> 00:03:42,360 Speaker 1: with service stations. He's like, Mom, we have enough fuel 84 00:03:42,440 --> 00:03:45,200 Speaker 1: stations of honey. Yeah. 85 00:03:45,280 --> 00:03:47,920 Speaker 2: So I was like, we need more education mom. 86 00:03:48,240 --> 00:03:49,800 Speaker 1: Pretty much yeah, and healthcare. 87 00:03:49,920 --> 00:03:52,640 Speaker 2: So I would take stock tips from this kid. He 88 00:03:52,720 --> 00:03:57,880 Speaker 2: knows what's up. So I was like, okay, gosh, you'll get. 89 00:04:00,600 --> 00:04:00,840 Speaker 1: No. 90 00:04:00,960 --> 00:04:04,360 Speaker 2: But like, investing can start small and it can grow 91 00:04:04,400 --> 00:04:07,720 Speaker 2: from there. And I think that in a situation where 92 00:04:07,920 --> 00:04:11,240 Speaker 2: you are investing with children, it's arguably better to start 93 00:04:11,280 --> 00:04:14,119 Speaker 2: with small amounts because those amounts are tangible to them. 94 00:04:14,160 --> 00:04:16,960 Speaker 2: Like they know how much like milk might cost, they 95 00:04:17,040 --> 00:04:19,720 Speaker 2: know how much lollies are, et cetera. They're not going 96 00:04:19,760 --> 00:04:22,560 Speaker 2: to understand one hundred thousand dollars share port volio. That's 97 00:04:22,560 --> 00:04:24,200 Speaker 2: beyond what their comprehension is. 98 00:04:25,160 --> 00:04:28,560 Speaker 1: So for us, we live region or remote, yeah, we 99 00:04:28,600 --> 00:04:32,280 Speaker 1: don't have takeaway options or anything like that. So I said, okay, well, 100 00:04:32,320 --> 00:04:34,880 Speaker 1: if we do go ahead with buying this one, that 101 00:04:35,120 --> 00:04:37,159 Speaker 1: is pretty much the four of us going out for 102 00:04:37,200 --> 00:04:40,159 Speaker 1: dinner to the local pub and he's like, well, I 103 00:04:40,160 --> 00:04:41,760 Speaker 1: could make lasagna, and I was. 104 00:04:41,720 --> 00:04:43,160 Speaker 2: Like, oh my gosh. 105 00:04:43,200 --> 00:04:47,840 Speaker 1: The little compromises just so that he was more aware of, well, 106 00:04:47,880 --> 00:04:49,720 Speaker 1: we don't have lots of money, we can't do both 107 00:04:49,760 --> 00:04:52,600 Speaker 1: all the time, and getting him in the mindset of okay, 108 00:04:52,640 --> 00:04:55,600 Speaker 1: well you know you might need to sacrifice a little bit, and. 109 00:04:55,560 --> 00:04:56,640 Speaker 2: He's okay with that. 110 00:04:57,160 --> 00:05:01,840 Speaker 3: Yeahwe Oh my god, he's made more as onions than 111 00:05:01,880 --> 00:05:07,640 Speaker 3: I have and longer than seven years, so easy. 112 00:05:07,720 --> 00:05:10,560 Speaker 4: So that's really impressive. What we're going to do is 113 00:05:10,800 --> 00:05:12,719 Speaker 4: design the investing both. 114 00:05:14,240 --> 00:05:16,680 Speaker 3: What we're going to do is go through our regular 115 00:05:17,160 --> 00:05:20,760 Speaker 3: money diary esque questions and then even though we've got 116 00:05:20,760 --> 00:05:23,640 Speaker 3: off track because we were so impressed with I was like, 117 00:05:23,800 --> 00:05:27,680 Speaker 3: what why is this not my child It's. 118 00:05:27,520 --> 00:05:30,360 Speaker 1: Definitely wasn't my childhood. So that's kind of where we're 119 00:05:30,680 --> 00:05:32,320 Speaker 1: going to make some improved steps. 120 00:05:32,480 --> 00:05:35,600 Speaker 2: Well, why don't we jump into the official interview questions, 121 00:05:35,800 --> 00:05:38,159 Speaker 2: ask those and then we can have a chat straight 122 00:05:38,200 --> 00:05:42,200 Speaker 2: after about that story. Yep, okay, So let's jump into 123 00:05:42,240 --> 00:05:45,279 Speaker 2: the first question and start with, can you describe to 124 00:05:45,320 --> 00:05:47,279 Speaker 2: me what your relationship with money is like? 125 00:05:47,800 --> 00:05:51,360 Speaker 1: Been up and down, probably more of a negative. Through 126 00:05:51,400 --> 00:05:53,760 Speaker 1: my early twenties, I probably relied on credit more than 127 00:05:53,760 --> 00:05:54,159 Speaker 1: I should have. 128 00:05:54,279 --> 00:05:58,200 Speaker 2: So it's improving, improving. I like that. So what do 129 00:05:58,240 --> 00:06:00,480 Speaker 2: you do for work and for the rest of your life? 130 00:06:01,320 --> 00:06:04,160 Speaker 1: So pretty much I work in regional tourism, and. 131 00:06:04,160 --> 00:06:07,280 Speaker 3: Regional tourism have had a pretty interesting twelve months, It's 132 00:06:07,320 --> 00:06:08,160 Speaker 3: fair to say, a bit. 133 00:06:08,160 --> 00:06:09,279 Speaker 2: Rocky, you might say. 134 00:06:09,640 --> 00:06:14,520 Speaker 1: So. First we were evacuated with bushfires, and then we 135 00:06:14,560 --> 00:06:18,640 Speaker 1: returned home for about a month before getting shut downs 136 00:06:18,640 --> 00:06:21,400 Speaker 1: for COVID Britten of Victoria. 137 00:06:21,640 --> 00:06:23,840 Speaker 2: So you've essentially been thrown under the bus. 138 00:06:23,920 --> 00:06:24,800 Speaker 1: It's a nice way to word. 139 00:06:25,160 --> 00:06:27,680 Speaker 2: How is it going now? Are you going? Are you 140 00:06:27,720 --> 00:06:29,760 Speaker 2: back to work? Are you planning on going back to 141 00:06:29,800 --> 00:06:32,360 Speaker 2: work soon? What does the next twelve months look like? 142 00:06:32,880 --> 00:06:36,320 Speaker 1: So I've actually just finished up with this job. I've resigned, 143 00:06:36,520 --> 00:06:41,160 Speaker 1: finishing mid March, and then I'm going to work still 144 00:06:41,200 --> 00:06:44,279 Speaker 1: in regional tourism, but in our local community on a 145 00:06:44,279 --> 00:06:45,560 Speaker 1: thirty eight hour week contract. 146 00:06:45,800 --> 00:06:48,440 Speaker 2: Oh cool, Well, I'm glad that exists for you. 147 00:06:48,640 --> 00:06:50,120 Speaker 3: So it just comes down to you just need full 148 00:06:50,160 --> 00:06:52,359 Speaker 3: time hours and you've got to take what you can get, right. 149 00:06:53,160 --> 00:06:55,760 Speaker 1: Yes, And the other position was forty five minutes away. 150 00:06:56,440 --> 00:06:57,600 Speaker 2: Oh that's a bit of a hike. 151 00:06:58,040 --> 00:07:00,480 Speaker 1: Yeah, so drive time, I'll be saying, in an hour 152 00:07:00,480 --> 00:07:04,279 Speaker 1: and a half a day, Oh how good, plus weare 153 00:07:04,320 --> 00:07:06,400 Speaker 1: and tear on the car. So my partner worked out 154 00:07:06,720 --> 00:07:09,640 Speaker 1: He's like, it's a ten grand savings. I was like, okay, 155 00:07:09,640 --> 00:07:13,280 Speaker 1: he's week in more hours and you can pretty much 156 00:07:13,480 --> 00:07:14,560 Speaker 1: walk or ride to work. 157 00:07:14,600 --> 00:07:17,120 Speaker 2: So that how good is that? That'll be much better 158 00:07:17,160 --> 00:07:20,440 Speaker 2: for work life balance, I believe. So I want to 159 00:07:20,440 --> 00:07:23,000 Speaker 2: get a little bit per V. What do you earn 160 00:07:23,120 --> 00:07:25,400 Speaker 2: and how much money is sitting in your bank account 161 00:07:25,480 --> 00:07:26,000 Speaker 2: right now? 162 00:07:26,480 --> 00:07:30,080 Speaker 1: So I earn forty eight thousand a year in my 163 00:07:30,280 --> 00:07:34,400 Speaker 1: bank account in multiple accounts, so pretty much we have 164 00:07:34,720 --> 00:07:37,840 Speaker 1: everything's joint for us. In our pay account, it's sitting 165 00:07:37,840 --> 00:07:40,600 Speaker 1: in at one thousand dollars with two thousand coming in tonight. 166 00:07:41,160 --> 00:07:44,000 Speaker 1: Our short term savings is sitting at three hundred and 167 00:07:44,040 --> 00:07:48,720 Speaker 1: thirty dollars. Our direct debit account is sitting at six 168 00:07:48,800 --> 00:07:52,080 Speaker 1: hundred and eighty home loan account that we're trying to 169 00:07:52,080 --> 00:07:54,760 Speaker 1: say for it's about four and a half grand. Then 170 00:07:55,040 --> 00:07:57,360 Speaker 1: we sort of have one thousand dollars buffer account in 171 00:07:57,360 --> 00:08:00,720 Speaker 1: case something comes up and then a separate immergegency fund 172 00:08:01,360 --> 00:08:04,120 Speaker 1: for about two and a half two wasn't at the moment. 173 00:08:04,400 --> 00:08:07,640 Speaker 2: And do you feel confident making decisions around money. 174 00:08:08,120 --> 00:08:12,320 Speaker 1: We're getting better, I liked, we probably spent quite easily 175 00:08:12,480 --> 00:08:15,680 Speaker 1: and we're starting to rein it in good We were 176 00:08:15,720 --> 00:08:18,440 Speaker 1: in a higher income in a city and then we've 177 00:08:18,440 --> 00:08:22,040 Speaker 1: gone to lesser income for a better family life where 178 00:08:22,080 --> 00:08:25,640 Speaker 1: we're living, and in turn we're probably still spending like 179 00:08:25,720 --> 00:08:27,480 Speaker 1: we we're making a lot more money. 180 00:08:27,600 --> 00:08:29,880 Speaker 2: That is so common, so many people do that you 181 00:08:30,000 --> 00:08:33,280 Speaker 2: just get used to that type of lifestyle. Like it's 182 00:08:34,800 --> 00:08:37,360 Speaker 2: exactly but you get used to the bottle of wine 183 00:08:37,360 --> 00:08:39,360 Speaker 2: that you pick up from the bottle though, like you 184 00:08:39,440 --> 00:08:42,040 Speaker 2: just get used to it. Same with food. You just 185 00:08:42,040 --> 00:08:45,480 Speaker 2: get used to a certain standard of things. And changing 186 00:08:45,520 --> 00:08:49,319 Speaker 2: your entire budget isn't actually as easy as just going, oh, 187 00:08:49,360 --> 00:08:50,839 Speaker 2: we'll just rein it in a bit, like you actually 188 00:08:50,840 --> 00:08:51,559 Speaker 2: have to plan for. 189 00:08:51,559 --> 00:08:55,160 Speaker 1: That, Yes, and so it's got My partner pretty much 190 00:08:56,000 --> 00:09:00,400 Speaker 1: unfortunately worked after some seasonally employment for a few weeks 191 00:09:00,400 --> 00:09:03,760 Speaker 1: before we got evacuated for bush fires, and has probably 192 00:09:03,760 --> 00:09:07,240 Speaker 1: only been working for the last three months. So we 193 00:09:07,360 --> 00:09:10,240 Speaker 1: lived off our emergency savings or our emergency fund and 194 00:09:10,280 --> 00:09:12,240 Speaker 1: part of our house deposits. 195 00:09:11,760 --> 00:09:13,720 Speaker 2: My gosh, how stressful. 196 00:09:14,520 --> 00:09:15,120 Speaker 1: Well it wasn't. 197 00:09:15,160 --> 00:09:18,480 Speaker 3: It wasn't a release to That's why you have an emergence. 198 00:09:18,520 --> 00:09:20,320 Speaker 2: Yeah, that's exactly why you have it, right. 199 00:09:20,720 --> 00:09:23,000 Speaker 1: Yeah, And so we did all of that. We had 200 00:09:23,000 --> 00:09:25,640 Speaker 1: a lot more family time, We planted our veggie garden, 201 00:09:26,080 --> 00:09:29,880 Speaker 1: we adopted some chickens, We spent more time together, the 202 00:09:29,880 --> 00:09:31,840 Speaker 1: four of us. So there was a lot of positives 203 00:09:31,840 --> 00:09:34,959 Speaker 1: for us out of COVID and then reassessing how much 204 00:09:34,960 --> 00:09:38,920 Speaker 1: we can actually survive on happily. So it's actually helped 205 00:09:39,000 --> 00:09:39,640 Speaker 1: us with our budget. 206 00:09:39,760 --> 00:09:43,360 Speaker 2: So you basically lived my dream life during COVID. I 207 00:09:43,440 --> 00:09:44,400 Speaker 2: really want chickens. 208 00:09:46,040 --> 00:09:48,040 Speaker 4: Chickens so many Dallas people right now. 209 00:09:48,120 --> 00:09:50,680 Speaker 2: Steve says no, but that's okay, all right, So how 210 00:09:50,679 --> 00:09:51,240 Speaker 2: do you feel. 211 00:09:51,400 --> 00:09:53,199 Speaker 1: Do I get drunk through COVID Because that's how I 212 00:09:53,240 --> 00:09:54,120 Speaker 1: bought our chicken croop. 213 00:09:56,240 --> 00:09:58,360 Speaker 2: I was like, oh what happened? Oh she bought a 214 00:09:58,440 --> 00:10:02,160 Speaker 2: chicken croup. I bought a kitten and a puppy. So 215 00:10:02,520 --> 00:10:05,560 Speaker 2: I don't know if I can stopper. 216 00:10:05,640 --> 00:10:07,360 Speaker 1: And I was like, let's do this. 217 00:10:07,600 --> 00:10:10,000 Speaker 2: Ten out of ten. I bet it is the bougiest 218 00:10:10,040 --> 00:10:11,880 Speaker 2: chicken coop you've ever seen it? 219 00:10:11,920 --> 00:10:12,640 Speaker 1: Matches our house. 220 00:10:12,679 --> 00:10:18,000 Speaker 2: It's all our good all right, back to questions, how 221 00:10:18,000 --> 00:10:20,319 Speaker 2: do you feel about money coming into your bank account? 222 00:10:20,720 --> 00:10:23,240 Speaker 1: Good? We're so Scott and I have kind of land 223 00:10:23,320 --> 00:10:26,160 Speaker 1: that we can live on minimum hours, So twenty two 224 00:10:26,200 --> 00:10:28,439 Speaker 1: point eight is pretty much all I'm earning at the moment, 225 00:10:28,960 --> 00:10:32,000 Speaker 1: and we have worked out our budgets and our direct 226 00:10:32,040 --> 00:10:35,640 Speaker 1: debits and everything on that basic income. So with a 227 00:10:35,679 --> 00:10:38,880 Speaker 1: new job, moving up to thirty eight hours with pay rise, 228 00:10:39,400 --> 00:10:41,760 Speaker 1: we're going to be putting more money into our home. One. 229 00:10:41,960 --> 00:10:45,240 Speaker 2: Yeah, that's so good. That is so good. So do 230 00:10:45,280 --> 00:10:47,600 Speaker 2: you currently invest if so? How? 231 00:10:48,120 --> 00:10:51,200 Speaker 1: Yes? So we started after listening to a few podcasts 232 00:10:51,240 --> 00:10:53,000 Speaker 1: so She's on the money, as well as a few 233 00:10:53,000 --> 00:10:53,920 Speaker 1: others through lockdown. 234 00:10:54,320 --> 00:10:55,840 Speaker 2: Which are the other ones? Do you listen to my 235 00:10:55,880 --> 00:10:56,640 Speaker 2: Millennial Money? 236 00:10:57,080 --> 00:10:57,439 Speaker 1: I do? 237 00:10:57,559 --> 00:10:59,240 Speaker 2: Oh I love them? 238 00:10:59,360 --> 00:11:02,439 Speaker 1: So that one Australian Finance with. 239 00:11:02,800 --> 00:11:05,000 Speaker 2: Oh yeah yeah they're great. Yeah yeah. 240 00:11:05,600 --> 00:11:07,720 Speaker 1: Well as Equity Mates Yeah yeah. 241 00:11:07,520 --> 00:11:09,320 Speaker 2: They're great too, all of them. 242 00:11:10,000 --> 00:11:12,240 Speaker 1: Yes, So it was quite good. We I realized when 243 00:11:12,240 --> 00:11:14,000 Speaker 1: I first started working from home, I was listening to 244 00:11:14,400 --> 00:11:16,920 Speaker 1: crime podcasts and I was like, well, this isn't effective. 245 00:11:17,080 --> 00:11:18,920 Speaker 2: I still listen to crime podcasts. 246 00:11:20,280 --> 00:11:23,600 Speaker 1: So a Facebook group I follow suggested your page first. 247 00:11:24,040 --> 00:11:28,200 Speaker 1: So from you guys in season one spiral, Yeah, so 248 00:11:28,280 --> 00:11:32,000 Speaker 1: it was really exciting. So investment we started with Spaceship. 249 00:11:32,160 --> 00:11:36,679 Speaker 1: We have about eight hundred dollars in that one. From there, 250 00:11:37,160 --> 00:11:43,200 Speaker 1: we also have Superhero. Yep, so a superhero that's not 251 00:11:43,760 --> 00:11:47,400 Speaker 1: sitting that well today, but we have been got nine 252 00:11:47,880 --> 00:11:53,000 Speaker 1: different options in Superhero and it's raising between a positive 253 00:11:53,080 --> 00:11:57,199 Speaker 1: one point eight percent and eleven percent. Would Yes, that's 254 00:11:57,240 --> 00:12:00,440 Speaker 1: been exciting. And I also spiraled down in to the 255 00:12:00,520 --> 00:12:04,439 Speaker 1: rabbit warren of crowd equity funding for IPOs. Oh my gosh, 256 00:12:04,960 --> 00:12:08,680 Speaker 1: and we sit on a little part of a company 257 00:12:08,679 --> 00:12:09,360 Speaker 1: in there as well. 258 00:12:09,520 --> 00:12:12,480 Speaker 2: Oh how cool. That's super fun. And you do all 259 00:12:12,520 --> 00:12:13,640 Speaker 2: of that through Superhero. 260 00:12:14,280 --> 00:12:17,920 Speaker 1: No, the crowd funding was through another app, and. 261 00:12:18,360 --> 00:12:19,840 Speaker 2: Yeah, how fun. 262 00:12:20,440 --> 00:12:23,640 Speaker 1: So I refinitely extarted for June for when you potentially 263 00:12:23,679 --> 00:12:25,240 Speaker 1: might be launching something else. 264 00:12:25,880 --> 00:12:29,760 Speaker 2: Yes, keep it out all right. Do you have any 265 00:12:29,840 --> 00:12:32,280 Speaker 2: debts of any kind? If so, what if not, how 266 00:12:32,320 --> 00:12:33,520 Speaker 2: do you feel about debt? 267 00:12:34,320 --> 00:12:39,760 Speaker 1: We have about one thousand and two hundred owing on 268 00:12:39,800 --> 00:12:42,920 Speaker 1: a credit card and that is actually all getting repaid 269 00:12:42,920 --> 00:12:49,240 Speaker 1: to us after we listen to your insurance like session really. Yeah, 270 00:12:49,280 --> 00:12:52,160 Speaker 1: so we realized that that's actually owed to us, so 271 00:12:52,200 --> 00:12:54,319 Speaker 1: that actually owe us one thousand, five hundred. So we'll 272 00:12:54,360 --> 00:12:55,000 Speaker 1: be in front on the. 273 00:12:55,000 --> 00:12:56,760 Speaker 2: Credit card nic money win. 274 00:12:57,640 --> 00:13:01,320 Speaker 1: Correct. We paid that off over through COVID, and then 275 00:13:01,840 --> 00:13:05,280 Speaker 1: Scott just has a personal loan and it's five thousand dollars. 276 00:13:05,320 --> 00:13:08,560 Speaker 1: So once the credit card's done, we'll be focusing. 277 00:13:08,200 --> 00:13:10,640 Speaker 2: On getting one that. How good. 278 00:13:11,320 --> 00:13:14,080 Speaker 1: Yeah, and then it'll pretty much just all be going 279 00:13:14,120 --> 00:13:16,040 Speaker 1: into savings, all back into investing. 280 00:13:16,559 --> 00:13:19,079 Speaker 2: I like that. So do you have any good money 281 00:13:19,080 --> 00:13:20,880 Speaker 2: habits that you're especially proud of? 282 00:13:21,800 --> 00:13:24,480 Speaker 1: Not really. The last six months gave us time to 283 00:13:24,480 --> 00:13:28,600 Speaker 1: sit down do our budget focus. We sort of now 284 00:13:28,640 --> 00:13:31,200 Speaker 1: know how much money is going out for school fees, 285 00:13:32,080 --> 00:13:35,680 Speaker 1: after school activities, and then we've also put in place, 286 00:13:36,000 --> 00:13:38,160 Speaker 1: you know that extra coffee money, a few other things. 287 00:13:39,120 --> 00:13:41,560 Speaker 1: For my birthday this year, We've got a nice coffee machine, 288 00:13:41,559 --> 00:13:43,040 Speaker 1: so we're not spending so much money out. 289 00:13:43,240 --> 00:13:44,800 Speaker 2: Another money win from you. 290 00:13:45,080 --> 00:13:47,240 Speaker 4: That's the definition of a gift that keeps on giving. 291 00:13:47,320 --> 00:13:48,880 Speaker 2: Yeah, that is actually very shot backed. 292 00:13:49,320 --> 00:13:52,600 Speaker 1: Oh, money win win win, so exciting. 293 00:13:53,120 --> 00:13:53,839 Speaker 2: I love that. 294 00:13:54,559 --> 00:13:57,880 Speaker 1: Yeah, So small little things like that are encouraging us, 295 00:13:57,920 --> 00:13:59,800 Speaker 1: I suppose to be a little bit more like happy 296 00:13:59,840 --> 00:14:04,640 Speaker 1: with our decisions and bigger purchases. We're enjoying spending the 297 00:14:04,679 --> 00:14:06,400 Speaker 1: money because we've got the money. It's not coming out 298 00:14:06,400 --> 00:14:08,440 Speaker 1: from credit. We've actually saved it. 299 00:14:09,040 --> 00:14:11,480 Speaker 2: And it feels so much more encouraging, doesn't it. 300 00:14:11,880 --> 00:14:12,080 Speaker 4: Yeah. 301 00:14:12,760 --> 00:14:15,400 Speaker 1: No, not one hundred percent at this point, but there's 302 00:14:15,440 --> 00:14:18,959 Speaker 1: slow steps that we are becoming more money confident. 303 00:14:19,200 --> 00:14:20,840 Speaker 2: I'm not going to lie, but I think that all 304 00:14:20,880 --> 00:14:24,000 Speaker 2: of that is are wildly incorrect. Because you said that 305 00:14:24,040 --> 00:14:26,200 Speaker 2: you're not sure if you don't have any good money. 306 00:14:26,240 --> 00:14:28,960 Speaker 2: I was going to say, and I'm pretty sure your 307 00:14:29,040 --> 00:14:31,920 Speaker 2: email to us outlined the fact that your kids are 308 00:14:31,920 --> 00:14:35,600 Speaker 2: talking about investment on a weekly basis. So I will 309 00:14:35,680 --> 00:14:38,120 Speaker 2: start there and say that I would be especially proud 310 00:14:38,160 --> 00:14:38,360 Speaker 2: of that. 311 00:14:38,920 --> 00:14:41,640 Speaker 1: Well, so a little while ago they where we live, 312 00:14:42,160 --> 00:14:44,280 Speaker 1: we have quite a big open water space and they 313 00:14:44,360 --> 00:14:47,560 Speaker 1: want to kayaks. So I have one from years ago 314 00:14:47,600 --> 00:14:50,080 Speaker 1: as a birthday gift, and I just went, well, you know, 315 00:14:50,160 --> 00:14:51,960 Speaker 1: Dad and I aren't a position at the moment. Dud 316 00:14:52,320 --> 00:14:55,240 Speaker 1: was working hospitality and hospitality was in a low season. 317 00:14:55,720 --> 00:14:57,480 Speaker 1: I said, we can't really afford it, but you know, 318 00:14:57,800 --> 00:15:01,400 Speaker 1: they're collecting cans for ten cents ap. Why don't you 319 00:15:01,440 --> 00:15:03,360 Speaker 1: guys start doing that and then if you can reach that, 320 00:15:03,400 --> 00:15:05,200 Speaker 1: we'll have the kayak cock. 321 00:15:05,440 --> 00:15:06,920 Speaker 2: Oh that's so good. 322 00:15:07,280 --> 00:15:10,160 Speaker 1: They went to our next door neighbors and a few 323 00:15:10,160 --> 00:15:12,840 Speaker 1: other people and said, look, this is what we're going 324 00:15:12,880 --> 00:15:15,440 Speaker 1: to be doing. So they were four and five at 325 00:15:15,440 --> 00:15:17,800 Speaker 1: the time. It was mainly driven by our five year 326 00:15:17,840 --> 00:15:20,960 Speaker 1: old and he was like, if I collect all these cans, 327 00:15:21,000 --> 00:15:22,240 Speaker 1: mom and dad are going to give me money for 328 00:15:22,240 --> 00:15:25,760 Speaker 1: a kayak, and we now have Ko kayaks. 329 00:15:26,040 --> 00:15:28,840 Speaker 2: These kids. I loved him. 330 00:15:29,480 --> 00:15:32,280 Speaker 1: Yeah, so he would go. He's like, oh, we'll come 331 00:15:32,320 --> 00:15:34,080 Speaker 1: down and pick them up. We'll ride our bikes down 332 00:15:34,120 --> 00:15:36,080 Speaker 1: and get them. So indirectly I had to push a 333 00:15:36,080 --> 00:15:42,120 Speaker 1: wheelbarrow down to collect collect Yeah. No. So he had 334 00:15:42,160 --> 00:15:45,600 Speaker 1: these great ideas and everyone was quite supportive, and our 335 00:15:45,640 --> 00:15:48,560 Speaker 1: house just built up with cans and bottles and then 336 00:15:48,560 --> 00:15:51,280 Speaker 1: they would sort them between cans and plastics and then glass, 337 00:15:52,040 --> 00:15:53,560 Speaker 1: and then he would go and put them in to 338 00:15:53,600 --> 00:15:56,400 Speaker 1: get his ten cents and made money over a summer holiday. 339 00:15:56,520 --> 00:15:58,960 Speaker 1: Oh my gosh, so here could go. 340 00:15:59,640 --> 00:16:03,040 Speaker 2: That is the sweetest thing ever. I will almost feel 341 00:16:03,040 --> 00:16:06,680 Speaker 2: bad having to ask you the next question, which is 342 00:16:06,720 --> 00:16:08,200 Speaker 2: what is your worst money habit? 343 00:16:09,600 --> 00:16:12,400 Speaker 1: Probably food. We don't really have a buffer for food. 344 00:16:12,480 --> 00:16:13,720 Speaker 1: Like last night, I was like, oh, we'll just going 345 00:16:13,760 --> 00:16:15,360 Speaker 1: to visit that at work, and then we walked out 346 00:16:15,360 --> 00:16:17,000 Speaker 1: with one hundred dollars food bills, just the kids and 347 00:16:17,040 --> 00:16:20,280 Speaker 1: I because we were eating good food and drinking gin. 348 00:16:20,400 --> 00:16:21,680 Speaker 1: I was like, oh, well I was they went. 349 00:16:22,400 --> 00:16:26,560 Speaker 2: I was about to be like, okay, you do you 350 00:16:26,720 --> 00:16:28,440 Speaker 2: spending their kayak money on gin? 351 00:16:29,800 --> 00:16:30,000 Speaker 4: Yeah? 352 00:16:30,040 --> 00:16:33,080 Speaker 1: So probably our worst one is good food and good wine. 353 00:16:33,640 --> 00:16:36,880 Speaker 1: But we also live in northeast Victoria, so we are 354 00:16:36,920 --> 00:16:37,960 Speaker 1: spoilt with choices. 355 00:16:38,640 --> 00:16:42,240 Speaker 2: Yeah. Absolutely. So what are you currently saving for? Do 356 00:16:42,280 --> 00:16:43,840 Speaker 2: you have a big money goal at the moment? 357 00:16:44,480 --> 00:16:47,680 Speaker 1: Short term is going to be our holidays. Kids want 358 00:16:47,680 --> 00:16:50,880 Speaker 1: to go up to Gold Coast, so we're saving for that, 359 00:16:51,760 --> 00:16:53,480 Speaker 1: and then long term house deposit. 360 00:16:53,760 --> 00:16:56,600 Speaker 2: I love that final question before we jumped to a 361 00:16:56,680 --> 00:16:59,320 Speaker 2: quick break. How would you rate yourself if I forced 362 00:16:59,360 --> 00:17:03,200 Speaker 2: you to give yourself for financial reading see s C. 363 00:17:03,720 --> 00:17:07,160 Speaker 1: Why is that only because I've only just put in 364 00:17:07,240 --> 00:17:10,080 Speaker 1: place our budget and I think that we can tweak 365 00:17:10,119 --> 00:17:14,560 Speaker 1: that to be more positive with regular investments into investing 366 00:17:14,800 --> 00:17:17,800 Speaker 1: and some more money going into house deposits and so 367 00:17:17,880 --> 00:17:20,679 Speaker 1: forth once our debt has cleared. 368 00:17:27,960 --> 00:17:30,320 Speaker 2: So, Ryan, how did you like that? 369 00:17:31,000 --> 00:17:31,720 Speaker 4: Very impressive? 370 00:17:32,119 --> 00:17:32,920 Speaker 2: I was impressive. 371 00:17:33,119 --> 00:17:36,399 Speaker 3: I just want to ask if it's deliverate or just 372 00:17:36,440 --> 00:17:39,959 Speaker 3: happening anyway. But it feels like you're teaching your kids 373 00:17:40,000 --> 00:17:43,840 Speaker 3: some really great lessons about not just money, but about 374 00:17:43,920 --> 00:17:47,240 Speaker 3: kind of discipline and sacrifice. And if I want something great, 375 00:17:47,280 --> 00:17:48,840 Speaker 3: I have to put some thought and effort into it. 376 00:17:48,920 --> 00:17:51,600 Speaker 3: Is that something that you've consciously decided or is that 377 00:17:51,640 --> 00:17:53,600 Speaker 3: just naturally coming out? Because I think either way, it's 378 00:17:53,600 --> 00:17:55,400 Speaker 3: definitely happening. By the sounds of things. 379 00:17:55,760 --> 00:17:59,320 Speaker 1: I think a little bit natural. So growing up, my 380 00:17:59,520 --> 00:18:02,520 Speaker 1: parents bankrupt when we're about when I was about five, 381 00:18:03,359 --> 00:18:05,320 Speaker 1: so mum and dad have taught us a little bit 382 00:18:05,320 --> 00:18:08,640 Speaker 1: about money. They were very frugal, and I think that's 383 00:18:08,640 --> 00:18:11,000 Speaker 1: potentially why we spend a little bit more on food 384 00:18:11,000 --> 00:18:12,639 Speaker 1: and wine, because it's things that we didn't get when 385 00:18:12,680 --> 00:18:16,639 Speaker 1: we were younger. Yeah, okay, So I think the transparency 386 00:18:16,640 --> 00:18:19,120 Speaker 1: that we're trying to show to the kids, they're more 387 00:18:19,119 --> 00:18:21,199 Speaker 1: aware of it, so then they can consciously make their 388 00:18:21,200 --> 00:18:23,200 Speaker 1: decisions as they grow up. I like that. 389 00:18:23,400 --> 00:18:25,639 Speaker 2: I really really like that, and I think it's something 390 00:18:25,680 --> 00:18:29,400 Speaker 2: that at any income level is teachable, and I think 391 00:18:29,440 --> 00:18:32,280 Speaker 2: that being transparent with your kids is never a bad thing. 392 00:18:32,880 --> 00:18:35,119 Speaker 2: I grew up and my parents were always super transparent 393 00:18:35,119 --> 00:18:36,800 Speaker 2: about money, and I thought that it taught me a 394 00:18:36,800 --> 00:18:38,840 Speaker 2: lot about well, what can we afford and how does 395 00:18:38,880 --> 00:18:41,160 Speaker 2: this work and what does that mean? And I think 396 00:18:41,160 --> 00:18:43,080 Speaker 2: that that taught me that there's a lot to do 397 00:18:43,119 --> 00:18:45,679 Speaker 2: with consequences, right, like you can pick one thing or 398 00:18:45,720 --> 00:18:48,359 Speaker 2: not another thing. But I think that not enough people 399 00:18:48,400 --> 00:18:50,320 Speaker 2: are doing it. So I'm so excited that you are. 400 00:18:51,000 --> 00:18:53,600 Speaker 3: A few years ago, I had to leave it like 401 00:18:53,640 --> 00:18:56,320 Speaker 3: a pretty high paying job, and I was just mentally 402 00:18:56,359 --> 00:18:58,440 Speaker 3: a mess because I just was like, oh, this is it. 403 00:18:58,560 --> 00:19:02,800 Speaker 3: I've wasted my chance over But it seems with all 404 00:19:02,840 --> 00:19:06,439 Speaker 3: the setbacks you've had, you've seemed to just accepted that 405 00:19:06,560 --> 00:19:08,639 Speaker 3: it's just a temporary thing. It'll be fine later on. 406 00:19:08,720 --> 00:19:11,520 Speaker 3: I'll eventually get back to full time work. It seemed 407 00:19:11,520 --> 00:19:13,359 Speaker 3: too as hard, and I mean, it's easy for us 408 00:19:13,359 --> 00:19:14,800 Speaker 3: to say in hindsight and we didn't have to go 409 00:19:14,840 --> 00:19:18,040 Speaker 3: through it, But hearing you, it sounds like you just 410 00:19:18,119 --> 00:19:20,320 Speaker 3: did a really good job of accepting that making the 411 00:19:20,320 --> 00:19:23,200 Speaker 3: best of a bad situation, and didn't let it get 412 00:19:23,200 --> 00:19:26,040 Speaker 3: you down too much? Is that fair to say? And 413 00:19:26,119 --> 00:19:28,119 Speaker 3: because it sounds like you've been having a pretty good. 414 00:19:27,960 --> 00:19:32,560 Speaker 1: Time, Yeah, we had a fantastic time. I think if anything, 415 00:19:32,560 --> 00:19:35,040 Speaker 1: it's kind of bought the four of us together a 416 00:19:35,080 --> 00:19:37,720 Speaker 1: little bit more because we realized when we moved to 417 00:19:37,760 --> 00:19:41,440 Speaker 1: this location the work wasn't the same money that we 418 00:19:41,440 --> 00:19:43,160 Speaker 1: would have been getting if we were in a city, 419 00:19:43,520 --> 00:19:45,239 Speaker 1: so there might be a little bit of sacrifices. So 420 00:19:45,280 --> 00:19:48,199 Speaker 1: we almost work opposite shifts so that one of us 421 00:19:48,240 --> 00:19:49,919 Speaker 1: is always home with the kids. So that was a 422 00:19:49,960 --> 00:19:53,400 Speaker 1: sacrifice we did in move into this area. So yeah, 423 00:19:53,520 --> 00:19:56,359 Speaker 1: the last like twenty twenty, we spent so much time together, 424 00:19:56,720 --> 00:20:00,600 Speaker 1: lots of family cooking and adventures within our little small radius. 425 00:20:00,920 --> 00:20:03,720 Speaker 1: So it's been quite good. And I think compared to 426 00:20:03,760 --> 00:20:06,320 Speaker 1: a lot of others, we've got our health, we've got 427 00:20:06,320 --> 00:20:07,520 Speaker 1: each other. We're kind of all right. 428 00:20:08,240 --> 00:20:11,720 Speaker 2: I like that mentality. I think we all probably could 429 00:20:11,760 --> 00:20:14,080 Speaker 2: be reminded of it. So that is a very gentle 430 00:20:14,160 --> 00:20:15,760 Speaker 2: and lovely to reminder to hear. 431 00:20:16,320 --> 00:20:18,560 Speaker 4: What would you say to other people? 432 00:20:19,359 --> 00:20:21,160 Speaker 3: What would you say to other people who are thinking 433 00:20:21,240 --> 00:20:24,800 Speaker 3: of doing the you know, the country change. Is it 434 00:20:24,800 --> 00:20:26,480 Speaker 3: a fun thing to do? While the kids are young? 435 00:20:26,600 --> 00:20:29,440 Speaker 3: Are you going to stay there forever? How to adapt 436 00:20:29,440 --> 00:20:32,040 Speaker 3: to the money differences because obviously, like you said, the 437 00:20:32,080 --> 00:20:34,280 Speaker 3: wages are less, but maybe the house prices are less 438 00:20:34,280 --> 00:20:35,760 Speaker 3: than it might even out. So yeah, what kind of 439 00:20:35,800 --> 00:20:37,800 Speaker 3: advice would you give to other people living in the 440 00:20:37,800 --> 00:20:39,560 Speaker 3: city contemplating moving out there? 441 00:20:40,119 --> 00:20:43,040 Speaker 1: I would say, probably don't move to our area because 442 00:20:43,040 --> 00:20:45,600 Speaker 1: our house prices are currently sitting at the same as 443 00:20:45,680 --> 00:20:46,439 Speaker 1: Melbourne prices. 444 00:20:47,960 --> 00:20:48,880 Speaker 4: What's the point of this. 445 00:20:50,320 --> 00:20:53,400 Speaker 1: Which is keeping a few low income families like us 446 00:20:53,480 --> 00:20:56,080 Speaker 1: out of the market. Yeah, if they've got the option 447 00:20:56,400 --> 00:20:58,640 Speaker 1: coming into the community, it's fantastic. So when we first 448 00:20:58,720 --> 00:21:01,840 Speaker 1: moved here and a half years ago, I was walking 449 00:21:01,920 --> 00:21:04,159 Speaker 1: with a double pran down the sidewalk and there was 450 00:21:04,160 --> 00:21:06,119 Speaker 1: these two ladies standing in the rain and I was like, 451 00:21:06,160 --> 00:21:08,080 Speaker 1: what are they doing now out in front of our 452 00:21:08,080 --> 00:21:10,240 Speaker 1: house and they're like, Hi, are you Emma? I was 453 00:21:10,240 --> 00:21:11,639 Speaker 1: like yes, and I was like, oh my goodness, the 454 00:21:11,680 --> 00:21:14,400 Speaker 1: dog is barking or something's happened. Because we're in Melbourne 455 00:21:14,400 --> 00:21:16,920 Speaker 1: and people only approached you if something was wrong, to. 456 00:21:16,840 --> 00:21:17,680 Speaker 4: Complain about something. 457 00:21:17,720 --> 00:21:19,520 Speaker 2: Yes, they need something from me. 458 00:21:20,440 --> 00:21:24,320 Speaker 1: So ye standing in the rain and they were like 459 00:21:24,480 --> 00:21:27,600 Speaker 1: they introduced themselves and then they were like, oh, welcome. 460 00:21:28,080 --> 00:21:31,040 Speaker 1: We just wanted to give you like our local package 461 00:21:31,080 --> 00:21:35,480 Speaker 1: and it had everything from vouchers to local restaurants, homemade 462 00:21:35,560 --> 00:21:38,359 Speaker 1: jams and chutney's from a local store. It had all 463 00:21:38,400 --> 00:21:43,000 Speaker 1: our CFA, information support networks, the local playgroup. There was 464 00:21:43,040 --> 00:21:45,719 Speaker 1: a big bag of goodness. And I was like, oh, 465 00:21:46,359 --> 00:21:48,679 Speaker 1: what is the space we moved there? 466 00:21:49,040 --> 00:21:53,840 Speaker 2: Yeah, I moved recently, how rude, I know. 467 00:21:54,040 --> 00:21:58,040 Speaker 1: So it was fantastic and indirectly they still pop past 468 00:21:58,160 --> 00:22:00,000 Speaker 1: and say hi, and you know, they're watching the kid 469 00:22:00,040 --> 00:22:01,960 Speaker 1: to grow over the last four years. So it's it's 470 00:22:02,000 --> 00:22:05,080 Speaker 1: really really lovely this community. So I think if people 471 00:22:05,119 --> 00:22:09,199 Speaker 1: were thinking about, I suppose relocating, it's probably dependent on 472 00:22:09,760 --> 00:22:11,680 Speaker 1: what they want to do. So we've got really supportive 473 00:22:11,680 --> 00:22:15,919 Speaker 1: networks within the community, not just the school community, but 474 00:22:16,000 --> 00:22:18,840 Speaker 1: within our local community. You know, it's really good to 475 00:22:18,880 --> 00:22:21,320 Speaker 1: go to local farmers' markets and know your local butcher. 476 00:22:21,880 --> 00:22:24,560 Speaker 1: There's lots of positive I think with some of the negatives. 477 00:22:24,600 --> 00:22:28,720 Speaker 1: You know, we don't always have some activities like our 478 00:22:28,800 --> 00:22:31,120 Speaker 1: son wanted to learn fencing and I was like, that's 479 00:22:31,160 --> 00:22:38,880 Speaker 1: not really an option here were Yeah, so pretty much 480 00:22:38,960 --> 00:22:41,440 Speaker 1: you know, with smaller schools and things like that. It's 481 00:22:41,880 --> 00:22:45,000 Speaker 1: their learning. It's pretty much one to one, which is 482 00:22:45,040 --> 00:22:47,360 Speaker 1: a lot different compared to when we were in high 483 00:22:47,359 --> 00:22:49,200 Speaker 1: school and there was you know, seven hundred people there. 484 00:22:50,280 --> 00:22:52,840 Speaker 1: But yeah, lots of positive and I think sometimes there 485 00:22:52,880 --> 00:22:55,719 Speaker 1: are negatives, just depending on how you adapt. Like if 486 00:22:55,720 --> 00:22:57,520 Speaker 1: you quite used to pop into the supermarket at two 487 00:22:57,560 --> 00:22:59,920 Speaker 1: o'clock in the morning, that doesn't exist here. 488 00:23:00,359 --> 00:23:01,399 Speaker 2: Yeah, that's not an option. 489 00:23:01,600 --> 00:23:04,679 Speaker 3: So I live in a really small town and my 490 00:23:04,800 --> 00:23:07,679 Speaker 3: partner came up for a weekend bridge and it was 491 00:23:07,720 --> 00:23:09,600 Speaker 3: eight o'clock on a Friday night, and she said, do 492 00:23:09,640 --> 00:23:11,600 Speaker 3: you think any of the food places are still open? 493 00:23:12,720 --> 00:23:14,560 Speaker 4: With in the city. I reckon, we're half a chance 494 00:23:14,600 --> 00:23:15,639 Speaker 4: bridge to get some food. 495 00:23:15,720 --> 00:23:18,160 Speaker 2: Yeah maybe, poor sweet country girl. 496 00:23:18,240 --> 00:23:19,080 Speaker 4: Yeah. 497 00:23:19,119 --> 00:23:21,480 Speaker 3: Hey, thank you so much for sharing his story and 498 00:23:21,520 --> 00:23:23,800 Speaker 3: let us and letting us purve and pry on your 499 00:23:23,880 --> 00:23:26,800 Speaker 3: financial details. It's been interesting and as we said before, 500 00:23:27,320 --> 00:23:30,320 Speaker 3: very impressive to hear about how the family's all getting 501 00:23:30,320 --> 00:23:32,480 Speaker 3: into it and not letting you know, what could be 502 00:23:32,520 --> 00:23:35,320 Speaker 3: a good excuse to not invest or to let things slip, 503 00:23:35,320 --> 00:23:37,639 Speaker 3: but it actually seems like you're coming out in a 504 00:23:37,680 --> 00:23:40,439 Speaker 3: real positive space. So well done and thanks again for sharing. 505 00:23:40,520 --> 00:23:44,520 Speaker 2: Yeah, thank you so very much. Just before we head off, 506 00:23:44,560 --> 00:23:47,440 Speaker 2: we'd like to acknowledge and pay respects to Australia's Aboriginal 507 00:23:47,440 --> 00:23:50,800 Speaker 2: and Torres Strait Islander people, the traditional clastudians at the lands, 508 00:23:50,840 --> 00:23:53,919 Speaker 2: waterways and skies all across Australia. We thank you for 509 00:23:53,960 --> 00:23:55,840 Speaker 2: sharing and for caring for the land on which we 510 00:23:55,880 --> 00:23:58,280 Speaker 2: are able to learn. We pay our respects to elder's 511 00:23:58,320 --> 00:24:00,320 Speaker 2: past and present, and we share our friends, ship and 512 00:24:00,440 --> 00:24:03,560 Speaker 2: our kindness. Now, guys, keep in mind that the advice 513 00:24:03,640 --> 00:24:05,919 Speaker 2: shared on She's on the Money is general in nature 514 00:24:06,080 --> 00:24:09,320 Speaker 2: and does not consider your individual circumstances. She's on the 515 00:24:09,320 --> 00:24:12,439 Speaker 2: Money exists purely for educational purposes and should not be 516 00:24:12,520 --> 00:24:15,120 Speaker 2: relied upon to make an investment or a financial decision. 517 00:24:15,320 --> 00:24:18,280 Speaker 2: And we do promise I am actually an authorized representative 518 00:24:18,359 --> 00:24:22,520 Speaker 2: of Australia Pacific Funds Management Proprietary Limited ABN three four 519 00:24:22,640 --> 00:24:26,200 Speaker 2: one three two four six three two five seven AFOSL 520 00:24:26,320 --> 00:24:29,680 Speaker 2: three three nine one five one. And again thanks to 521 00:24:29,760 --> 00:24:33,240 Speaker 2: Ryan John and to Beck our producing legends who whip 522 00:24:33,320 --> 00:24:34,840 Speaker 2: this show into the show that it is. 523 00:24:35,080 --> 00:24:35,240 Speaker 1: Yep. 524 00:24:35,280 --> 00:24:37,040 Speaker 3: If you've got a great story that you think the 525 00:24:37,040 --> 00:24:40,480 Speaker 3: community would appreciate Seman email Ryan dot john at She's 526 00:24:40,520 --> 00:24:42,720 Speaker 3: on the Money dot com dot au and maybe you 527 00:24:43,080 --> 00:24:44,760 Speaker 3: or someone you know can be on an episode in 528 00:24:44,800 --> 00:24:45,200 Speaker 3: the future. 529 00:24:45,400 --> 00:24:47,440 Speaker 2: Thanks for joining friends. See you next week. 530 00:25:01,800 --> 00:25:02,200 Speaker 1: Sh