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

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Speaker 1: the Order Kernye Whoalbury and a waddery woman. And before

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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

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

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Speaker 2: one of our money daries where I get to talk

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Speaker 2: to one of our incredible She's on the Money community

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Speaker 2: members all about their financial and life journey. Let's jump

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Speaker 2: straight into it, because this week I got a message

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Speaker 2: that went like this, Hi, Victoria. My brothers and I

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Speaker 2: were raised by our single mum and watched her experience

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Speaker 2: bankruptcy after leaving a domestic violence relationship with my dad,

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Speaker 2: who is also a gambling addict after my own mental

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Speaker 2: health and health struggles. I'm now working in child protection

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Speaker 2: after nine years at university, and I'm earning a full

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Speaker 2: time salary for the first time ever at age twenty seven.

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Speaker 2: Before we jump even further into this episode and welcome

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Speaker 2: our beautiful moneydarist to the show, I do want to

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Speaker 2: just give a bit of a content warning here. This

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Speaker 2: week's episode we're going to discuss things like eating disorders,

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Speaker 2: domestic violence, abuse, and depression. So if that is not

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Speaker 2: an episode do you want to listen to or you're

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Speaker 2: not in the right mindset for it, that is so fine.

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Speaker 2: We literally have hundreds of other episodes you can go

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Speaker 2: and listen to right now, So go and do that.

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Speaker 2: But if you're sticking with us to listen to this

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Speaker 2: money Diary, welcome and Money Diarist. Let's jump straight in,

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Speaker 2: my friend.

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Speaker 4: Sounds good? All right.

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Speaker 2: Let's start with the very first question, which as always

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Speaker 2: is my friend, what grade would you give your money

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Speaker 2: habits if I asked you to give them a grade

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Speaker 2: from A through F.

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Speaker 4: I think probably a C plus a C plus.

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Speaker 2: All right, well, I think that frames the conversation. Now

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Speaker 2: my favorite question, let's dive in money diarists. I want

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Speaker 2: to know, can you tell us a little bit more

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Speaker 2: about your money story.

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Speaker 4: Yeah, of course. So I grew up with two brothers

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Speaker 4: and my dad was unfortunately an alcoholic. It also had

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Speaker 4: a gambling addiction, so we didn't grow up with a

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Speaker 4: lot of money because he unfortunately, we'd spend most of

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Speaker 4: it after he got his paychecks. But my mum did

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Speaker 4: her best to keep the family running. And then when

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Speaker 4: I was about eight, mum left because of the domestic violence,

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Speaker 4: and yeah, things got a little bit worse from there

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Speaker 4: for a little bit. Obviously, having my mum care for

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Speaker 4: us most of the time on a single parents wage

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Speaker 4: was really difficult, and there was also a long court

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Speaker 4: process the divorce and splitting up the assets of the house,

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Speaker 4: which was a bit messy.

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Speaker 2: Oh my gosh, it would have been so stressful and

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Speaker 2: it ate you kind of only know a little bit

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Speaker 2: about what's going on. That's it, not the whole story,

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Speaker 2: so it feels a little bit ambiguous, and absolutely was

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Speaker 2: it stressful as an eight year old to go through that.

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Speaker 4: It was very stressful. I think also seeing your parents

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Speaker 4: so stressed is hard. But at the time my dad

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Speaker 4: also was very keen on having my brothers and I

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Speaker 4: know everything that was going on, So there was a

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Speaker 4: bit of emotional, you know, reading the court affidavits to

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Speaker 4: us saying how bad our mum was, all that kind

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Speaker 4: of stuff. So obviously, now from a bit more of

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Speaker 4: a tuma lens, I can see that's not appropriate. But

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Speaker 4: when you're young, you just want.

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Speaker 2: You just don't know what you don't know. When you're young,

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Speaker 2: that's it. You just think, oh, Dad's trying to share

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Speaker 2: with us what's going on. Like to me, that would

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Speaker 2: you know as an eight year old makes sense exactly,

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Speaker 2: But there are some things that you're not emotionally ready for,

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Speaker 2: and that happens to be one of them, exactly.

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Speaker 4: And then when I was eleven years old, my dad

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Speaker 4: moved into state and left us in my mum's care

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Speaker 4: full time. And that was a bit of surprise because

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Speaker 4: we didn't know it was coming. He sort of just

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Speaker 4: dropped us off one day and then we were living

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Speaker 4: with mum. And then from there, when I was a teenager,

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Speaker 4: I developed some disordered eating mental health struggles. My mum

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Speaker 4: has been so supportive the whole time, but yeah, definitely

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Speaker 4: a bit of a roller coaster, and got my first

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Speaker 4: job at McDonald's when I was fifteen, working for eight

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Speaker 4: dollars an hour, so.

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Speaker 2: Eight dollars that you were probably like, this is the

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Speaker 2: best money I've ever earned in my whole life.

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Speaker 4: Absolutely, And I think that was the first time because

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Speaker 4: we did struggle with money so much when I was younger,

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Speaker 4: I really felt like I have some control here, you know,

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Speaker 4: I'm making my own money, and that was a great feeling.

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Speaker 4: And then when I was in high school at seventeen,

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Speaker 4: my mom did go bankrupt because she had taken on

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Speaker 4: a lot of debt to look after my brothers and

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Speaker 4: I by herself. That had been really hard on her.

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Speaker 4: And she also had another partner at that time who

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Speaker 4: was unfortunately abusive as well and very dependent on her.

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Speaker 4: So she left him but was left with a lot

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Speaker 4: of debt and so went bankrupt after that, and then

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Speaker 4: things were rough for a while. But yeah, they're looking

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Speaker 4: up now.

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Speaker 2: Wow, I feel like that is a rollercoaster. I really

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Speaker 2: want to go and just like, grab your mum and

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Speaker 2: hug her. Yeah, she's super supportive, but from the sounds

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Speaker 2: of it, she backs you to the end of the earth,

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Speaker 2: but maybe doesn't look after herself in the same way.

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Speaker 2: That you get looked after and you just want to

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Speaker 2: go mum, like, look after yourself too.

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Speaker 4: Come on, absolutely, yeah.

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Speaker 2: Oh can I jump back to the disordered eating, Yes,

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Speaker 2: of course I want to talk about that. That's something

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Speaker 2: that I have experienced before, and I guess that's why,

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Speaker 2: you know, opening the conversation up around this is really

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Speaker 2: really important to me. I want to know a bit

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Speaker 2: more about I guess where that came from, because often

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Speaker 2: it's not about being thin, it's not about you know,

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Speaker 2: becoming a model like a lot of people think, where

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Speaker 2: do you think that stemmed from? Was that maybe a

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Speaker 2: control issue? I say that only because you said earlier

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Speaker 2: I got my first job at McDonald's and I felt

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Speaker 2: more in control. Yeah, talk to me about that situation.

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Speaker 3: Sure.

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Speaker 4: So I think I was conscious of my way from

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Speaker 4: very early on, and it was actually something that my

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Speaker 4: dad criticized a lot.

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Speaker 2: He was very canceled. One out of ten that is

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Speaker 2: not appropriate dad behavior.

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Speaker 4: Yeah, I know, but yeah, he was very fixated on

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Speaker 4: my appearance, you know, my mum's parents, my brother's appearance,

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Speaker 4: and it was always a reflection of him in his eyes.

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Speaker 4: So I think probably from early on, I was quite

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Speaker 4: self conscious of myself and wanted to change a lot

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Speaker 4: about my body. I think probably the earliest age I

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Speaker 4: remember feeling unhappy about this something about my body was

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Speaker 4: probably about four.

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Speaker 2: Oh, my heart, you shouldn't care about your body. At four,

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Speaker 2: you be caring about sand castles and chasing people and

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Speaker 2: whether you can have ice cream up to dinner or not.

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Speaker 4: Absolutely, And I can see all that now, but yes,

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Speaker 4: I think that's probably where it first came from. Is

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Speaker 4: that wanting to be what he thought was enough. And

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Speaker 4: that started with, you know, lots of calory, restriction over exercising,

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Speaker 4: and I think probably the fact that my parents were

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Speaker 4: going through a divorce and then Dad moved into state.

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Speaker 4: There was that more sense of trying to please everybody,

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Speaker 4: and that was the thing I could control, Especially before

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Speaker 4: I got the job, I didn't really have any other

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Speaker 4: control or other than I did really well at school

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Speaker 4: because I think that was how I could prove that

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Speaker 4: I was trying really hard. And I'm a bit of

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Speaker 4: a perfectionist.

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Speaker 2: Same girlfriend, cut paste. I mean, I didn't go through

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Speaker 2: the same traumatic circumstances as you. But it's funny because

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Speaker 2: having gone through disordered eating, I feel like when I

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Speaker 2: speak to other people who have had similar experiences. I'm like,

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Speaker 2: oh my gosh, what about this? What about that? And

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Speaker 2: you kind of go, yeah, the job probably really helped

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Speaker 2: because it gave that sense of control that you didn't

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Speaker 2: feel like you had earlier. Do you feel like that

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Speaker 2: helped you on your recovery journey?

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Speaker 4: Yes or no? I think for a while there I

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Speaker 4: did feel like I had more control, and like as

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Speaker 4: a teenager in high school, when I felt like I

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Speaker 4: had more of an identity as someone who did well

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Speaker 4: at school, had a good group of friends, had a

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Speaker 4: nice boyfriend at the time, and things were going well.

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Speaker 4: And then in year twelve, I think might sorted eating

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Speaker 4: really hit its peak. I'd broken up with my boyfriend,

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Speaker 4: and I also put a lot of pressure on myself

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Speaker 4: to get like the most perfect score so I could

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Speaker 4: get into the best courses at UNI. I wanted to

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Speaker 4: study law originally, so the agel was quite high.

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Speaker 2: So much unnecessary pressure, Like the idea that at sixteen

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Speaker 2: seventeen you're meant to decide what you want to do

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Speaker 2: for the rest of your life when your brain is

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Speaker 2: not even fully developed. You aren't even making good decisions

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Speaker 2: at that point. Why do you think i'd make a

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Speaker 2: good decision about my career, Like, why are you putting

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Speaker 2: this pressure on me? I can't even be trusted to

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Speaker 2: go out on my own at this point.

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Speaker 4: Yeah, exactly exactly, And looking back now, I'm like, oh, obviously,

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Speaker 4: as I said, well you said at the beginning, took

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Speaker 4: nine years for me to get through UNI anyway, So

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Speaker 4: now I could just laugh and be like, oh, I

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Speaker 4: had no idea of but yeah, I was putting a

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Speaker 4: lot of pressure on myself to be perfect in every

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Speaker 4: way that I thought I needed to be, and I think, yeah,

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Speaker 4: eating and trying to control my image was definitely one

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Speaker 4: part of that.

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Speaker 2: Do you think that that's part of your narrative today,

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Speaker 2: Like is that something that you still struggle with or

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Speaker 2: is it something that you have moved beyond, Like what

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Speaker 2: does that look like today?

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Speaker 4: Yeah, I think I've had a lot of therapy from

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Speaker 4: about age twenty two until now, so five good years,

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Speaker 4: and I think my relationship with food has improved a lot,

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Speaker 4: and also with my body. I think when I was

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Speaker 4: like in the thick of it, it was something that

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Speaker 4: I worried about all the time constantly, Whereas I've gotten

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Speaker 4: to a place now where it might be like a

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Speaker 4: little thought that pops up every once in a while,

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Speaker 4: but it's not something that I feel like controls me.

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Speaker 4: Which now I'm looking back, iack and see I didn't

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Speaker 4: have control. It was actually controlling me. The thoughts were

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Speaker 4: controlling me. And now when they come up, I can

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Speaker 4: be like, nope, we're not doing that. Push it aside.

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Speaker 2: Ah. I love that you're able to say no, it's

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Speaker 2: not controlling me. I think when you go through circumstances

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Speaker 2: like this, especially disordered eating, it's something that you learn.

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Speaker 2: And I'm so glad you've had therapy because it's not

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Speaker 2: something you can teach yourself, like you actually just need

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Speaker 2: someone to come in and be like, Okay, here are

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Speaker 2: the strategies that you need to implement. This is what

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Speaker 2: we need to do to put you in the best

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Speaker 2: possible position. But it never leaves fully. I don't believe

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Speaker 2: as somebody who goes through that, but you actually get

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Speaker 2: all these strategies, so when it pops up, you can

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Speaker 2: go no, no, no, we're going to quosh that, like,

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Speaker 2: that's not how we think, Victoria, that's not what we're

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Speaker 2: doing today. And I think that that can be really helpful.

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Speaker 2: But I also think talking about that side of it

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Speaker 2: is really important because I would hate for people to

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Speaker 2: think that, like quote, therapy cures you and you'll be

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Speaker 2: completely over it. No, it's something that mentally is always

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Speaker 2: going to be there, but we can kind of use

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Speaker 2: to our advantage with the right tools and the right resources.

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Speaker 2: And I think that that's Yeah. I'm so glad you're

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Speaker 2: in that position. And you look happy and healthy right now.

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Speaker 2: You look glowy and smiley, and it just I think

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Speaker 2: that you are absolutely thriving. So that is my favorite

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Speaker 2: thing ever. Before I move on to the next question,

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Speaker 2: I just wanted to plug the Butterfly Foundation here. If

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Speaker 2: this is something that you are struggling with. The Butterfly

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Speaker 2: Foundation is one of my favorite resources for disordered eating.

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Speaker 2: You can check them out online. They're on Instagram, They're

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Speaker 2: basically everywhere. They've also got a really beautiful hotline if

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Speaker 2: you want to call them. I'll put all of the

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Speaker 2: links in the show notes if you need them, but

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Speaker 2: please reach out to them. I did when I was younger,

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Speaker 2: and they are the kindest, honestly, the nicest people in

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Speaker 2: the entire world. And I feel like when reaching out

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Speaker 2: for help and money direst I'm not sure if you

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Speaker 2: felt the same way. You just like put it off,

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Speaker 2: put it off, put it off, and then when you do,

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Speaker 2: you're like, why didn't I do this soon? Nice as

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Speaker 2: scary as you think it's going to be.

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Speaker 4: Yeah, I think definitely waiting til that crisis point.

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Speaker 2: Don't do that. Yeah, don't do that idea.

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Speaker 4: Yeah, get help as soon as you think you're right,

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Speaker 4: need it, Definitely reach out. It's worth it, You're worth it.

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Speaker 2: So absolutely all right, money, Dirice, I want to know

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Speaker 2: more about you today. Tell me you said in your

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Speaker 2: letter into me that you're finally earning a full time salary.

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Speaker 2: What do you do for work? How much money do

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Speaker 2: you earn?

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Speaker 1: Yeah?

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Speaker 4: So I'm a social worker in a child protection state

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Speaker 4: based child protection agency and I earned seventy two tho

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Speaker 4: and ninety one dollars a year.

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Speaker 2: You earn seventy two that's good for like first year

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Speaker 2: out of UNI.

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Speaker 4: It is and much more than I've ever dreamed of making,

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Speaker 4: or ever dreamed of making when I was younger. So yeah,

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Speaker 4: I feel a bit strange about it, to be honest.

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Speaker 2: Oh my gosh, So tell me about these nine years

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Speaker 2: at UNI. So what degree is did you do like

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Speaker 2: did you do them part time? Full time? And kind

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Speaker 2: of what led you to child protection?

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Speaker 4: So I started off at UNI when I was seventeen.

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Speaker 2: So a little baby, that's a little baby.

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Speaker 4: My mum had to sign the permission slips so I

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Speaker 4: could use computers at the university, which is quite funny

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Speaker 4: because I was taking on a lot of debt that

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Speaker 4: was old enough to sign those poms.

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Speaker 2: But like, so you'll let me go into debt, but

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Speaker 2: you won't let me google it?

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Speaker 4: Yeah, exactly. And I started off doing a double degree

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Speaker 4: in international relations and arts, and I had kind of

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Speaker 4: dreams of being, you know, some kind of diplomat or

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Speaker 4: maybe going to law later, but I wasn't too sure.

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Speaker 4: But at the time I was also struggling with my

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Speaker 4: mental health and had quite a lot of anxiety and

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Speaker 4: would later be diagnosed with an anxiety disorder and depression,

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Speaker 4: but at that time I didn't know. I just thought,

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Speaker 4: why am I coping? So I ended up dropping the

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Speaker 4: international degree and going just for arts, but.

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Speaker 3: Unfortunately I did fail quite a lot of topics. Because

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Speaker 3: I felt too anxious to go to class, I used

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Speaker 3: to try and go to the tute and then I

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Speaker 3: would just walk straight past the door and go sit

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Speaker 3: in the toilet and hide in the toilet stall for

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Speaker 3: quite a while, just because I was so anxious. And

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Speaker 3: I think this probably went on for quite a while

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Speaker 3: before I reached out for help with my GP.

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Speaker 4: So after that there was a bit of a learning curve,

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Speaker 4: trying new SSRIs or antidepressant medications and new approaches with

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Speaker 4: you know, trying to work with my anxiety. I could

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Speaker 4: attend UNI, but it was kind of an uphill at all.

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Speaker 4: It was about three years where I was doing okay

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Speaker 4: and then not doing okay at UNI. So I didn't

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Speaker 4: end up finishing my arts degree until twenty twenty.

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Speaker 2: Actually, congratul how exciting you did it.

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Speaker 4: Thank you. Yeah, I wish i'd been a bit kinder

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Speaker 4: to myself at the time and just done part time

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Speaker 4: UNI and maybe gotten the help I needed a bit earlier.

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Speaker 4: So that's okay. You know, reflection is much easier and

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Speaker 4: we learn exactly.

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Speaker 2: Hopefully somebody else is listening to this thing gets to

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Speaker 2: learn from your story so that we don't repeat it exactly.

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Speaker 4: So that was seven years for that undergrad which is

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Speaker 4: usually three.

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Speaker 2: That's okay.

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Speaker 4: It is okay, and I did take off a couple

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Speaker 4: of two six month breaks in there as well, and

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Speaker 4: I was really struggling. And then in twenty twenty one,

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Speaker 4: after the whole COVID.

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Speaker 2: Thing, Yeah, that thing happened, Yeah, that little thing that ways,

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Speaker 2: get this, the first lockdown happened three years.

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Speaker 4: I know, it's crazy to think about.

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Speaker 2: It triggers me. It triggers me so bad. It reminds

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Speaker 2: me of how I carried my computer screen home and

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Speaker 2: thought it was just going to be two weeks. Yeah,

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Speaker 2: and then like a month later, it's like two pm

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Speaker 2: in the afternoon and I'd ask my partner, do you

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Speaker 2: want a wine? And that was normal.

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Speaker 4: Yeah, yeah, yeah, it feels like a long time ago,

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Speaker 4: but also yesterday, and so I was thinking about what

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Speaker 4: I wanted to do next. I didn't know if I

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Speaker 4: wanted to do, honest, because I was quite interested in

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Speaker 4: looking at like women's portrayals or portrayals of women's madness

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Speaker 4: in literature and how that plays into society's views of women.

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Speaker 2: That would have been so cool. Did you do that?

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Speaker 4: I didn't. I studied social work in Stace.

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Speaker 2: That's okay, that's okay, It's an interesting topic. Done the less.

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Speaker 4: Yeah, and I think given my experiences growing up and

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Speaker 4: witnessing my dad be very cruel to my mother, and

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Speaker 4: he used to say, you're mad. You know. There wasn't

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Speaker 4: really a lot of awareness of mental health from his part.

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Speaker 4: It was just you're crazy if you're struggling. So I

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Speaker 4: think that's definitely fueled my interests in that and also

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Speaker 4: maybe my reluctance to get help until I was a

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Speaker 4: little bit older. Yeah, So instead, I had that time

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Speaker 4: after I finished my degree to consider what I wanted

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Speaker 4: to do, and I thought, I kind of want to

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Speaker 4: do something that can help. There was a lot of

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Speaker 4: articles flying around at the time about you know, increased

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Speaker 4: domestic violence and you know, homelessness, and I think COVID

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Speaker 4: really just highlighted all the problems or the systems that

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Speaker 4: were failing already, And so I thought, what can I do?

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Speaker 4: And social work was the solution I came up with.

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Speaker 4: So I did a two masters and then yeah, I

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Speaker 4: went into child protection because I thought that was an

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Speaker 4: area that I could maybe make a difference in.

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Speaker 2: Oh my gosh, my whole heart. Knowing your background and

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Speaker 2: where you've come from, and that arguably you were a

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Speaker 2: child at some point that needed protecting. Ah, Like, do

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Speaker 2: you feel like this is your way of kind of

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Speaker 2: like protecting kids that might have been in similar so

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Speaker 2: ccumstances to you? Like, this is heavy?

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Speaker 4: I think so. I think I don't know if I

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Speaker 4: would have even considered this work as an option if

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Speaker 4: I hadn't maybe done some reflecting on my own experiences

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Speaker 4: as a child and noticed or recognized with help that

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Speaker 4: there was abuse there, and yeah, wanting to help other

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Speaker 4: kids obviously it's quite different in child protection, but knowing

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Speaker 4: that maybe I could help protect them and ensure that

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Speaker 4: they're safe, and also work with families to make sure

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Speaker 4: they have the right resources to keep their children safe

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Speaker 4: as well. Sometimes I feel like would be really rewarding,

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Speaker 4: or is really rewarding.

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Speaker 2: So tell me more about this role, because I feel

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Speaker 2: like we often gloss over rolls when we say children's

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Speaker 2: protective services. That could be a lot of things, right,

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Speaker 2: There are lots of different categories of how people in

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Speaker 2: these roles work. But can you tell me a little

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Speaker 2: bit about what your day to day job looks like.

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Speaker 4: Yeah, so I've only been in it for about four

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Speaker 4: months now, and I've actually had two different roles in

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Speaker 4: that time. So the one I'm in at the moment

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Speaker 4: is an assessment based role. So that involves when notifications

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Speaker 4: are screened in and theirconcerns raised about maybe the safety

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Speaker 4: of a child, we will go out and speak with

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Speaker 4: the parents or whoever maybe involve speak with the children,

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Speaker 4: and then may or may not open an investigation from there,

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Speaker 4: and yeah, then the whole investigation process will start and

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Speaker 4: supports and support partners endos may become involved. Or if

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Speaker 4: at the end of the investigation it's deemed that the

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Speaker 4: child is not safe where they are and whoever their

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Speaker 4: caregivers are cannot provide that safety for them, there may

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Speaker 4: be a removal.

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Speaker 2: Oh my whole heart. That is so heavy to do

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Speaker 2: on a day to day basis. How are you looking

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Speaker 2: after you through these things?

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Speaker 4: Yeah, I think it's something that's evolved my self care routine.

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Speaker 4: At first, I had this whole list of you know,

401
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Speaker 4: like I will come home and do meditation, or I

402
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Speaker 4: will make sure that I'm doing yoga three times a week,

403
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Speaker 4: and those things are all really good. But I think

404
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Speaker 4: the best thing I've done for myself is form really

405
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Speaker 4: great relationships with my colleagues, making sure I'm still attending

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Speaker 4: therapy for myself.

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Speaker 2: Yeah, one hundred percent.

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Speaker 4: And when I get home sometimes I just need to

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Speaker 4: go into the back lawn and just lie on it

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Speaker 4: and just look at.

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Speaker 2: The sky for a little bit bit grounded.

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Speaker 4: Yeah, that's why my big things, kick off my shoes

413
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Speaker 4: and just go lie on the grass and be like

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Speaker 4: it's okay. I'm still a person. I'm here like the

415
00:19:26,119 --> 00:19:28,040
Speaker 4: world's bad, but not everything's bad, you know.

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Speaker 2: Yeah, Oh my gosh. I don't know if I could

417
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Speaker 2: do a role like that, I feel like it would

418
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Speaker 2: break me. I feel like it takes such a special

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Speaker 2: person to be able to do it. And we need you,

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Speaker 2: like we need people like you who are looking after kids,

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Speaker 2: and I wish I was as special as that. Like

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Speaker 2: I just feel like the emotional energy that you give

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Speaker 2: to your job, I often feel so grateful that I

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Speaker 2: can go home, Like I'm not a brain surgeon. I'm

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Speaker 2: not you know, doing things that are you know, ultimately

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Speaker 2: impacting people in ways that are kind of life or death,

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Speaker 2: but your circumstances are right. Like if you make an assessment,

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Speaker 2: and I don't mean to be too dramatic or make

429
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Speaker 2: it sound awful for you, but like if you make

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Speaker 2: it the wrong assessment that could be catastrophic for a kid, right,

431
00:20:08,240 --> 00:20:10,760
Speaker 2: or if you leave a circumstance that you have been

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Speaker 2: evaluating and you just like, I want to scoop them

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Speaker 2: up and take them home because I don't feel like

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Speaker 2: they're safe and we are going to open an investigation,

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Speaker 2: but you know, in that moment you have to leave

436
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Speaker 2: them there, right. I just feel like that's heavy, and

437
00:20:22,320 --> 00:20:24,359
Speaker 2: I feel like, I'm just so grateful that people like

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Speaker 2: you exist. You are so special and I'm so just

439
00:20:27,280 --> 00:20:28,399
Speaker 2: I was so happy to know you.

440
00:20:29,600 --> 00:20:32,119
Speaker 4: Yeah, I think it's not something I entered into lightly,

441
00:20:32,560 --> 00:20:35,120
Speaker 4: and it's that I'm actually quite new at the investigation

442
00:20:35,200 --> 00:20:38,080
Speaker 4: and assessments role. For a couple of months previously, and

443
00:20:38,119 --> 00:20:40,680
Speaker 4: where I actually did my social work placement was working

444
00:20:40,680 --> 00:20:42,560
Speaker 4: with children who were already in long term care, so

445
00:20:42,600 --> 00:20:45,919
Speaker 4: we children in posticcare and that's quite different on the

446
00:20:46,000 --> 00:20:49,240
Speaker 4: day to day. And I wasn't sure about child protection

447
00:20:49,280 --> 00:20:52,399
Speaker 4: at first anyway, because obviously in Australia we have the

448
00:20:52,400 --> 00:20:56,720
Speaker 4: stolen generations and I didn't want to be part of

449
00:20:56,760 --> 00:21:00,400
Speaker 4: a system that you know, Abridge and Torresha Island children

450
00:21:00,440 --> 00:21:03,280
Speaker 4: are still removed at a much higher rate than non

451
00:21:03,280 --> 00:21:06,760
Speaker 4: Indigenous children, and you know, with the stolen generations. I

452
00:21:06,880 --> 00:21:08,880
Speaker 4: just wasn't sure that that was a system I wanted

453
00:21:08,920 --> 00:21:11,119
Speaker 4: to be a part of. But I did get my

454
00:21:12,119 --> 00:21:15,080
Speaker 4: final year placement at the department, and it was through

455
00:21:15,119 --> 00:21:17,679
Speaker 4: working there and seeing all the good work they do

456
00:21:18,320 --> 00:21:22,720
Speaker 4: and working with Aboriginal colleagues and non Aboriginal colleagues, I thought, Okay,

457
00:21:22,720 --> 00:21:24,920
Speaker 4: this is something I think I can do. I feel

458
00:21:24,960 --> 00:21:25,760
Speaker 4: okay about.

459
00:21:25,720 --> 00:21:27,960
Speaker 2: I feel like we need people like you in those

460
00:21:28,080 --> 00:21:31,720
Speaker 2: roles because things like that happened. We need people like

461
00:21:31,800 --> 00:21:34,080
Speaker 2: you are so aware of those things. I think it's

462
00:21:34,119 --> 00:21:38,000
Speaker 2: so close minded and shallow when people don't do things.

463
00:21:38,080 --> 00:21:39,920
Speaker 2: Or I heard someone the other day they're like, yeah,

464
00:21:39,920 --> 00:21:42,760
Speaker 2: I just don't see color. I'm just like, I can't

465
00:21:42,840 --> 00:21:46,760
Speaker 2: conceptualize how you think that's helping anybody like I cannot

466
00:21:47,200 --> 00:21:51,800
Speaker 2: understand because, to be honest, by seeing it, by going

467
00:21:51,920 --> 00:21:55,720
Speaker 2: your indigenous, you actually need and deserve more support in

468
00:21:55,760 --> 00:21:59,080
Speaker 2: this system than somebody who is white going through it, right,

469
00:21:59,440 --> 00:22:02,240
Speaker 2: because there are more barriers to entry, there are more

470
00:22:02,280 --> 00:22:05,439
Speaker 2: barriers to going through these things. There is unfortunately not

471
00:22:05,600 --> 00:22:09,320
Speaker 2: as much education. I feel like being able to say yes,

472
00:22:09,440 --> 00:22:11,560
Speaker 2: I understand it, and I can acknowledge that, and I

473
00:22:11,680 --> 00:22:13,680
Speaker 2: know that this was wrong, but I can go above

474
00:22:13,680 --> 00:22:15,879
Speaker 2: and beyond in those circumstances to make sure that the

475
00:22:16,000 --> 00:22:19,199
Speaker 2: people who need the most protection get it. That's what

476
00:22:19,240 --> 00:22:21,600
Speaker 2: we need to be doing, not going, oh my gosh,

477
00:22:21,760 --> 00:22:25,520
Speaker 2: let's just treat absolutely everybody equally. It's identical the process,

478
00:22:25,640 --> 00:22:29,280
Speaker 2: it's exactly the same. I genuinely believe that the process

479
00:22:29,320 --> 00:22:31,680
Speaker 2: needs to be stepped up because you're right, Aboriginal and

480
00:22:31,760 --> 00:22:34,520
Speaker 2: torrost right Islander kids are being taken at higher rates

481
00:22:34,600 --> 00:22:37,120
Speaker 2: because they aren't as safe. How do we fix that.

482
00:22:37,200 --> 00:22:38,800
Speaker 2: We can't just sweep it under the rug and be

483
00:22:38,840 --> 00:22:41,639
Speaker 2: like everybody needs to be treated the same, right. It

484
00:22:41,720 --> 00:22:42,480
Speaker 2: blows my mind.

485
00:22:43,200 --> 00:22:46,280
Speaker 4: Yeah, and I think there is, you know, colonization. I

486
00:22:46,280 --> 00:22:48,520
Speaker 4: think we're taught in school, if we're taught at all,

487
00:22:49,000 --> 00:22:51,879
Speaker 4: as something that happened in the past, but it's really

488
00:22:51,960 --> 00:22:54,520
Speaker 4: the effects are still ongoing. The stolen generations are not

489
00:22:54,520 --> 00:22:58,679
Speaker 4: that long ago at all, so it can't be blind

490
00:22:58,720 --> 00:23:02,239
Speaker 4: to it as non Indigenous people. And you know, I

491
00:23:02,240 --> 00:23:05,480
Speaker 4: think that's really irresponsible and harmful.

492
00:23:05,520 --> 00:23:08,680
Speaker 2: So I couldn't agree more. All right, let's move back

493
00:23:08,720 --> 00:23:11,399
Speaker 2: onto money topics, because I could have actually rant about

494
00:23:11,400 --> 00:23:14,240
Speaker 2: this all day, and I'm sure you could as well,

495
00:23:14,359 --> 00:23:16,440
Speaker 2: but I want to know. Let's go back to you personally.

496
00:23:16,800 --> 00:23:19,240
Speaker 2: What are your big money goals? What are we working towards?

497
00:23:19,240 --> 00:23:20,760
Speaker 2: My friend set the moment.

498
00:23:20,640 --> 00:23:22,880
Speaker 4: My biggest goal is just building up my emergency fund.

499
00:23:23,040 --> 00:23:25,960
Speaker 4: So it got depleted while I was on placements. So

500
00:23:26,040 --> 00:23:29,240
Speaker 4: you have two four month placements where you're basically at

501
00:23:29,560 --> 00:23:32,159
Speaker 4: the placement site full time but not earning any money,

502
00:23:32,520 --> 00:23:35,000
Speaker 4: So just wanting to build that up again. That's my

503
00:23:35,040 --> 00:23:37,520
Speaker 4: biggest money goal. And also I'm planning a trip to

504
00:23:37,880 --> 00:23:39,600
Speaker 4: Japan and South Korea next year.

505
00:23:39,520 --> 00:23:43,120
Speaker 2: So oh so fun. Can you tell me more about

506
00:23:43,160 --> 00:23:46,040
Speaker 2: this emergency fund? Yes, how have you calculated how much

507
00:23:46,040 --> 00:23:46,800
Speaker 2: you want in it?

508
00:23:46,840 --> 00:23:46,959
Speaker 1: Like?

509
00:23:47,119 --> 00:23:49,520
Speaker 2: Is it a month's worth of expenses? Three months worth

510
00:23:49,560 --> 00:23:51,919
Speaker 2: of expense? Like, what's going to make you feel most comfortable?

511
00:23:52,200 --> 00:23:54,879
Speaker 4: It is three months worth of expenses, and then I

512
00:23:54,960 --> 00:23:57,320
Speaker 4: put two thousand dollars on top because that just made

513
00:23:57,320 --> 00:23:57,880
Speaker 4: me feel better.

514
00:23:59,160 --> 00:24:02,000
Speaker 2: Hey, I like, yeah, I really like that. All Right,

515
00:24:02,000 --> 00:24:03,680
Speaker 2: I'm going to go to a really quick break because

516
00:24:03,680 --> 00:24:06,320
Speaker 2: this has become very quickly a very long episode. We

517
00:24:06,359 --> 00:24:08,000
Speaker 2: need a hot break, and after the break, we're going

518
00:24:08,080 --> 00:24:10,560
Speaker 2: to talk about debt, investment, best and worst money habits.

519
00:24:10,600 --> 00:24:18,600
Speaker 2: Guys don't go anywhere money Diarist. We are back, and

520
00:24:18,760 --> 00:24:20,600
Speaker 2: I feel like you are such a special human and

521
00:24:20,600 --> 00:24:22,879
Speaker 2: I am feeling so beyond grateful to be able to

522
00:24:22,920 --> 00:24:25,600
Speaker 2: share you with our community. I want to know, though,

523
00:24:25,720 --> 00:24:28,880
Speaker 2: let's dive straight in. Do you invest? If so, what

524
00:24:28,920 --> 00:24:31,520
Speaker 2: do you invest in? If not? Is there a plan?

525
00:24:32,520 --> 00:24:35,800
Speaker 4: I do invest just a little, so I have about

526
00:24:35,800 --> 00:24:37,200
Speaker 4: one thousand dollars in spaceship.

527
00:24:37,320 --> 00:24:39,200
Speaker 2: Do you mean a little. A thousand dollars is a

528
00:24:39,240 --> 00:24:40,840
Speaker 2: lot of money, my friend, And.

529
00:24:40,760 --> 00:24:42,480
Speaker 4: A lot of that was from when I was a student.

530
00:24:42,520 --> 00:24:45,720
Speaker 4: I was actually only putting in about five dollars a month,

531
00:24:46,000 --> 00:24:48,680
Speaker 4: and it was more like an investment in my financial education.

532
00:24:49,280 --> 00:24:50,320
Speaker 4: But it's grown over time.

533
00:24:50,359 --> 00:24:52,399
Speaker 2: I love that. That's such as sheeesel on the money phrase,

534
00:24:52,680 --> 00:24:53,880
Speaker 2: you're obviously an og.

535
00:24:54,080 --> 00:24:58,600
Speaker 4: Yeah, og, yeah definitely. And then I have super as well.

536
00:24:58,800 --> 00:25:02,840
Speaker 2: How good. I feel like that's actually the perfect example

537
00:25:03,160 --> 00:25:07,080
Speaker 2: of why investing small amounts just makes sense. Like you're

538
00:25:07,119 --> 00:25:09,240
Speaker 2: now able to say, yeah, I've got a grand invested.

539
00:25:09,680 --> 00:25:12,360
Speaker 2: Most of us who are working our very first job

540
00:25:12,480 --> 00:25:15,120
Speaker 2: out of university don't have a thousand dollars in an

541
00:25:15,119 --> 00:25:17,960
Speaker 2: investment portfolio. But you do, and it's from all of

542
00:25:18,000 --> 00:25:21,280
Speaker 2: those tiny amounts that you were saving during university. Yeah, Like,

543
00:25:21,480 --> 00:25:24,560
Speaker 2: is that not? That's elite? Like that is such a

544
00:25:24,600 --> 00:25:28,359
Speaker 2: stepping stone that you probably didn't even realize you needed,

545
00:25:28,600 --> 00:25:32,360
Speaker 2: like to already be an investor, that is outside of superannuation.

546
00:25:32,800 --> 00:25:35,399
Speaker 2: I'm obsessed with that. We did an entire episode recently

547
00:25:35,440 --> 00:25:38,200
Speaker 2: actually on investing small amounts and whether it's worth it,

548
00:25:38,840 --> 00:25:41,520
Speaker 2: ruining the episode here. Yes, of course it is worth it.

549
00:25:41,640 --> 00:25:45,760
Speaker 2: I will always recommend investing, even if it is small amounts,

550
00:25:45,840 --> 00:25:48,240
Speaker 2: because now you've got a grand that you didn't have before.

551
00:25:48,600 --> 00:25:50,280
Speaker 2: That's worth it, right, Yeah?

552
00:25:50,320 --> 00:25:52,239
Speaker 4: And I think also, you know, the market has been

553
00:25:52,320 --> 00:25:54,080
Speaker 4: quite brutal the last couple of years. You gave me

554
00:25:54,119 --> 00:25:56,120
Speaker 4: that confidence of seeing the market go up and down

555
00:25:56,119 --> 00:25:58,879
Speaker 4: and knowing it's okay. I can ride this like and

556
00:25:58,960 --> 00:26:01,280
Speaker 4: have more confidence not to be can withdraw any money

557
00:26:01,320 --> 00:26:02,200
Speaker 4: in the future, I think?

558
00:26:02,320 --> 00:26:05,520
Speaker 2: Yes, Love, All right, talk to me about debt. Do

559
00:26:05,560 --> 00:26:07,200
Speaker 2: you have any If so, what is it?

560
00:26:07,480 --> 00:26:10,200
Speaker 4: I have a lot of hextep Yes.

561
00:26:10,200 --> 00:26:12,400
Speaker 2: Nine years at university will do that. I'm so sorry

562
00:26:12,440 --> 00:26:13,960
Speaker 2: to spoil that that will so.

563
00:26:14,040 --> 00:26:16,600
Speaker 4: I have seventy four thousand, three hundred and fifty dollars

564
00:26:16,640 --> 00:26:19,920
Speaker 4: in HEX add ten one hundred and seventy one dollars

565
00:26:19,960 --> 00:26:22,600
Speaker 4: and fifty five cents in startup loans, which if you're

566
00:26:22,640 --> 00:26:25,760
Speaker 4: getting any kind of centering payment while you're at university,

567
00:26:25,800 --> 00:26:28,560
Speaker 4: you can also opt in for a startup loan of

568
00:26:28,680 --> 00:26:31,000
Speaker 4: one thousand dollars at the start of a semester and

569
00:26:31,040 --> 00:26:35,240
Speaker 4: that can go towards costs for you know, university items

570
00:26:35,280 --> 00:26:36,120
Speaker 4: or education.

571
00:26:35,800 --> 00:26:39,560
Speaker 2: Items, textbooks, everything. I feel like that's a really helpful

572
00:26:39,600 --> 00:26:43,040
Speaker 2: loan scheme as well, because obviously there's no interest on it,

573
00:26:43,359 --> 00:26:47,399
Speaker 2: so that makes it very attractive. But also university is

574
00:26:47,440 --> 00:26:51,600
Speaker 2: so expensive beyond hex, like the textbooks, Like I did psychology,

575
00:26:51,920 --> 00:26:55,080
Speaker 2: and a lot of the coursework in psychology overlaps with

576
00:26:55,160 --> 00:26:57,760
Speaker 2: social work. I could not believe that my social work

577
00:26:57,800 --> 00:27:00,840
Speaker 2: subject course books were like one hundred fifty to two

578
00:27:00,960 --> 00:27:04,840
Speaker 2: hundred and fifty dollars. To help other people like what what?

579
00:27:04,920 --> 00:27:07,040
Speaker 2: That's crazy? And you always need the most up to

580
00:27:07,119 --> 00:27:09,479
Speaker 2: date edition. You can't just go and buy you know,

581
00:27:09,600 --> 00:27:11,280
Speaker 2: oh there's a secondhand when a well it's not the

582
00:27:11,359 --> 00:27:12,240
Speaker 2: right edition, is it?

583
00:27:12,440 --> 00:27:12,800
Speaker 4: That's it?

584
00:27:13,200 --> 00:27:13,400
Speaker 1: Yeah.

585
00:27:13,440 --> 00:27:15,199
Speaker 4: I did use some of that money to kind of

586
00:27:15,480 --> 00:27:18,560
Speaker 4: boost up my income. So when I was really struggling

587
00:27:18,800 --> 00:27:21,919
Speaker 4: with anxiety and not able to work, that did go

588
00:27:22,040 --> 00:27:25,080
Speaker 4: towards having making sure I could pay like my phone

589
00:27:25,080 --> 00:27:27,320
Speaker 4: bill and for petrol for my count two percent.

590
00:27:27,640 --> 00:27:29,680
Speaker 2: I love that you had access to that. That makes

591
00:27:29,680 --> 00:27:33,160
Speaker 2: me so happy to know you were supported. Question though,

592
00:27:33,440 --> 00:27:35,160
Speaker 2: what are you doing about that debt?

593
00:27:35,240 --> 00:27:35,359
Speaker 1: So?

594
00:27:35,440 --> 00:27:37,919
Speaker 2: Are you just letting a tick along? Are you planning

595
00:27:37,920 --> 00:27:39,359
Speaker 2: on making additional repayments?

596
00:27:39,400 --> 00:27:39,480
Speaker 1: Like?

597
00:27:39,520 --> 00:27:40,800
Speaker 2: Have you even thought about this?

598
00:27:41,160 --> 00:27:41,400
Speaker 3: Yeah?

599
00:27:41,480 --> 00:27:43,399
Speaker 4: So at the moment, I'm just letting it tick along.

600
00:27:43,920 --> 00:27:45,840
Speaker 4: I did just want to quickly say, if anyone is

601
00:27:45,880 --> 00:27:49,160
Speaker 4: struggling at UNI and is you know, failing topics because

602
00:27:49,160 --> 00:27:52,520
Speaker 4: of mental health or first circumstances at home, you can

603
00:27:52,600 --> 00:27:55,080
Speaker 4: actually reply for remission of some of your topics if

604
00:27:55,119 --> 00:27:56,119
Speaker 4: you meet the criteria.

605
00:27:56,480 --> 00:27:59,080
Speaker 2: Yes you can. That's such a oh, thank you for

606
00:27:59,119 --> 00:28:00,880
Speaker 2: bringing that up so smart.

607
00:28:01,040 --> 00:28:03,159
Speaker 4: So I wish I knew about that a bit sooner.

608
00:28:03,880 --> 00:28:06,440
Speaker 4: But that basically means that if you meet the criteria

609
00:28:06,600 --> 00:28:09,280
Speaker 4: and your apply and it's approved, the debt will actually

610
00:28:09,400 --> 00:28:11,040
Speaker 4: be removed for you.

611
00:28:11,160 --> 00:28:13,520
Speaker 2: Yeah, do they just delete it? They say, all money,

612
00:28:13,560 --> 00:28:16,600
Speaker 2: direst no worries. We totally get it, and the government go,

613
00:28:16,960 --> 00:28:19,119
Speaker 2: we're going to remove that unit or that course. Like,

614
00:28:19,400 --> 00:28:21,399
Speaker 2: I don't think I've ever seen it happen for an

615
00:28:21,640 --> 00:28:24,199
Speaker 2: entire degree, no, but if you're on it. I do

616
00:28:24,320 --> 00:28:27,720
Speaker 2: know someone who had literally four subjects in one semester

617
00:28:28,040 --> 00:28:30,639
Speaker 2: credited because they were like, look, I went past the

618
00:28:30,640 --> 00:28:32,919
Speaker 2: census state. And if anyone's at university, you know, the

619
00:28:32,960 --> 00:28:34,800
Speaker 2: census state's like that cut off date where you can

620
00:28:35,080 --> 00:28:37,879
Speaker 2: back out without it costing you anything if you go

621
00:28:38,000 --> 00:28:40,640
Speaker 2: past that though, and you know, let's just say the

622
00:28:40,640 --> 00:28:44,240
Speaker 2: proverbial hits the fan. It's so nice to know that

623
00:28:44,240 --> 00:28:44,840
Speaker 2: that's an option.

624
00:28:45,160 --> 00:28:45,680
Speaker 4: Definitely.

625
00:28:45,800 --> 00:28:49,040
Speaker 2: Oh, I'm glad we're talking about that. That's so helpful.

626
00:28:49,520 --> 00:28:51,360
Speaker 2: I feel like that's a really good money tip. Though

627
00:28:51,440 --> 00:28:53,920
Speaker 2: I wouldn't know what is your best money habit.

628
00:28:54,280 --> 00:28:56,600
Speaker 4: I think I'm quite resourceful when I don't have a

629
00:28:56,600 --> 00:28:58,520
Speaker 4: lot of money. Obviously, I'm in a really good position now,

630
00:28:58,560 --> 00:29:01,320
Speaker 4: but I haven't always been, so I'm quite happy to

631
00:29:01,360 --> 00:29:04,240
Speaker 4: sell things online. When I was little, my brothers I

632
00:29:04,360 --> 00:29:06,440
Speaker 4: used to ride around on our bikes and collect cans

633
00:29:06,480 --> 00:29:08,360
Speaker 4: because of the state I live, and you can recycle

634
00:29:08,400 --> 00:29:11,320
Speaker 4: them for money. Yes, yeah, and sometimes that would help

635
00:29:11,400 --> 00:29:13,360
Speaker 4: us get dinner for the night, especially at Dad's house

636
00:29:13,360 --> 00:29:15,680
Speaker 4: when there was a lot of money, but very resourceful.

637
00:29:16,400 --> 00:29:18,080
Speaker 4: So I think that's my best habit.

638
00:29:18,480 --> 00:29:20,400
Speaker 2: Talk to me quickly about your money habits in general.

639
00:29:20,440 --> 00:29:21,960
Speaker 2: I'm going to dive into your worst one in a

640
00:29:22,000 --> 00:29:25,160
Speaker 2: hot second. But given you were so good at being

641
00:29:25,280 --> 00:29:29,400
Speaker 2: resourceful and arguably very frugal, I love this. How have

642
00:29:29,520 --> 00:29:33,200
Speaker 2: you gone from that style of lifestyle to having a

643
00:29:33,280 --> 00:29:36,800
Speaker 2: seventy two thousand dollars income, because obviously that's good money.

644
00:29:37,080 --> 00:29:38,600
Speaker 2: Are you a wizard of budgeting now?

645
00:29:38,640 --> 00:29:38,720
Speaker 1: Like?

646
00:29:38,800 --> 00:29:39,560
Speaker 2: What's that look like?

647
00:29:39,720 --> 00:29:42,760
Speaker 4: I think I'm quite a bit better at budgeting than

648
00:29:42,800 --> 00:29:43,440
Speaker 4: I used to be.

649
00:29:43,640 --> 00:29:44,880
Speaker 2: More money does help, doesn't it?

650
00:29:45,040 --> 00:29:45,400
Speaker 4: It does?

651
00:29:45,600 --> 00:29:47,520
Speaker 2: Yeah, like a little bit, Like we can all be

652
00:29:47,560 --> 00:29:50,120
Speaker 2: good at money, no matter what income, but it feels

653
00:29:50,280 --> 00:29:52,640
Speaker 2: easier when you have a little bit more to play with.

654
00:29:52,840 --> 00:29:53,000
Speaker 3: Yeah.

655
00:29:53,040 --> 00:29:54,000
Speaker 2: Less stress, right.

656
00:29:53,920 --> 00:29:55,880
Speaker 4: Yeah, a lot less stress. I think that's probably the

657
00:29:55,920 --> 00:29:59,200
Speaker 4: main thing. I think probably though I was very aware

658
00:29:59,200 --> 00:30:02,520
Speaker 4: of lifestyle, but at the same time I knew that I,

659
00:30:02,960 --> 00:30:06,120
Speaker 4: you know, lived quite a restricted like a privileged but

660
00:30:06,160 --> 00:30:08,560
Speaker 4: restricted life previously because there was a lot of money

661
00:30:08,640 --> 00:30:10,800
Speaker 4: coming in, so I wanted to make sure I gave

662
00:30:10,800 --> 00:30:14,280
Speaker 4: myself enough money to do some nice things, but at

663
00:30:14,320 --> 00:30:17,320
Speaker 4: the same time not spend all of my money. So yeah,

664
00:30:17,360 --> 00:30:20,680
Speaker 4: I do have quite an elaborate budget coming in. I've

665
00:30:20,760 --> 00:30:24,120
Speaker 4: actually done love Cheese on the money Master costs.

666
00:30:24,200 --> 00:30:27,239
Speaker 2: Have you actually have Yeah? Oh my gosh, really did

667
00:30:27,320 --> 00:30:27,680
Speaker 2: it help?

668
00:30:27,760 --> 00:30:30,160
Speaker 4: It did a lot. Yeah. So I have a very

669
00:30:30,200 --> 00:30:32,160
Speaker 4: fancy spreadsheet, which I'm very pleased with.

670
00:30:32,200 --> 00:30:35,360
Speaker 2: It's really sexy, isn't it is? Yeah, definitely very sexy.

671
00:30:35,400 --> 00:30:37,960
Speaker 2: I don't mean to be biased. I am completely biased,

672
00:30:38,080 --> 00:30:40,960
Speaker 2: but this spreadsheet is my favorite thing in the entire world. Yeah,

673
00:30:41,040 --> 00:30:43,320
Speaker 2: like it does it for you, right, Yeah.

674
00:30:43,120 --> 00:30:45,720
Speaker 4: It's amazing and that's good because I'm not great at

675
00:30:45,800 --> 00:30:50,760
Speaker 4: maths in general. So yeah, I think probably my best

676
00:30:51,120 --> 00:30:53,280
Speaker 4: thing with budgeting is just making sure that I'm on

677
00:30:53,320 --> 00:30:53,840
Speaker 4: top of it.

678
00:30:53,960 --> 00:30:57,040
Speaker 2: Oh my gosh, I love it. Ah so good. I

679
00:30:57,080 --> 00:31:00,239
Speaker 2: hate to bring down the mood. What's your worst money it?

680
00:31:00,320 --> 00:31:04,400
Speaker 4: My friend stress spending definitely guilty of avaiable. I think

681
00:31:04,520 --> 00:31:06,720
Speaker 4: there's actually in one of your early episodes not to

682
00:31:06,760 --> 00:31:07,479
Speaker 4: be a creeper.

683
00:31:07,600 --> 00:31:08,320
Speaker 2: No, I love this.

684
00:31:09,080 --> 00:31:11,240
Speaker 4: You talk about how sometimes when you haven't had a

685
00:31:11,240 --> 00:31:13,480
Speaker 4: lot of money growing up, there can be that tendency

686
00:31:13,560 --> 00:31:15,640
Speaker 4: to spend it when you have it. And I've definitely

687
00:31:15,680 --> 00:31:19,160
Speaker 4: felt myself kind of default that if I'm not on

688
00:31:19,240 --> 00:31:21,360
Speaker 4: top of my budget, or if I'm not kind of

689
00:31:21,400 --> 00:31:24,160
Speaker 4: looking after my mental health and being aware of my

690
00:31:24,440 --> 00:31:26,480
Speaker 4: self care needs, I can just stress spend.

691
00:31:26,560 --> 00:31:30,160
Speaker 2: You're so tired, aren't they. Yeah, it's crazy. I cannot

692
00:31:30,200 --> 00:31:33,200
Speaker 2: believe that. I mean, obviously we've been talking about it

693
00:31:33,280 --> 00:31:35,080
Speaker 2: at She's on the money for the past four or

694
00:31:35,120 --> 00:31:39,760
Speaker 2: five years, but I just really don't understand why historically

695
00:31:39,760 --> 00:31:43,360
Speaker 2: we haven't spoken more about the relationship between mental health

696
00:31:43,800 --> 00:31:46,880
Speaker 2: and spending and just self care and spending and what

697
00:31:46,920 --> 00:31:49,880
Speaker 2: that looks like and how your mentality and how you're

698
00:31:49,920 --> 00:31:53,440
Speaker 2: feeling actually impacts the way that you allocate money and

699
00:31:53,480 --> 00:31:56,240
Speaker 2: spend it. Stress spending is real, Like, it's crazy. I

700
00:31:56,280 --> 00:31:59,560
Speaker 2: go through it maybe once a month when you're like,

701
00:32:00,040 --> 00:32:02,160
Speaker 2: it's always a check in for me. It's never a

702
00:32:02,400 --> 00:32:04,200
Speaker 2: oh my gosh, I used to stress spend and now

703
00:32:04,200 --> 00:32:07,280
Speaker 2: I'm over it. No, No, I default straight back to that.

704
00:32:07,400 --> 00:32:08,920
Speaker 2: I'm really good at it. That's why I had to

705
00:32:08,960 --> 00:32:11,400
Speaker 2: create that budget and cash Loow masterclass, because it was

706
00:32:11,440 --> 00:32:13,640
Speaker 2: for me, like to make sure that I'm on top

707
00:32:13,680 --> 00:32:16,200
Speaker 2: of my spending so that I can see everything in

708
00:32:16,240 --> 00:32:18,920
Speaker 2: a really simple, easy way, so that when I do

709
00:32:18,920 --> 00:32:22,080
Speaker 2: do that, I'm back on the bandwagon really quickly instead

710
00:32:22,120 --> 00:32:23,280
Speaker 2: of falling off completely.

711
00:32:23,400 --> 00:32:26,080
Speaker 4: Absolutely, and I'm the same way that is my default

712
00:32:26,080 --> 00:32:28,680
Speaker 4: when I'm really stressed. I've used that as an opportunity to,

713
00:32:28,920 --> 00:32:30,400
Speaker 4: as I said, check in with myself and have a

714
00:32:30,400 --> 00:32:32,840
Speaker 4: bit of self compassion, which is a hard thing to learn,

715
00:32:32,880 --> 00:32:35,200
Speaker 4: I think if you're naturally quite hard on yourself.

716
00:32:35,480 --> 00:32:37,720
Speaker 2: Yeah it's crazy, but yeah, being.

717
00:32:37,600 --> 00:32:39,640
Speaker 4: Like, okay, what's going on for me here? And then

718
00:32:39,800 --> 00:32:41,840
Speaker 4: you know, taking that as an opportunity to self reflect,

719
00:32:41,880 --> 00:32:44,520
Speaker 4: to go a bit deeper instead of beating up on

720
00:32:44,560 --> 00:32:47,440
Speaker 4: yourself because you know you're spending a bit of extra

721
00:32:47,520 --> 00:32:49,040
Speaker 4: money when you're really stressed. Yeah.

722
00:32:49,120 --> 00:32:52,800
Speaker 2: No, couldn't agree more. All right, last question, now that

723
00:32:52,800 --> 00:32:54,440
Speaker 2: we've had a chat, I don't know. I'm not going

724
00:32:54,440 --> 00:32:55,719
Speaker 2: to tell you how I feel about this. You're going

725
00:32:55,760 --> 00:32:57,840
Speaker 2: to tell me how you feel about this. You told

726
00:32:57,920 --> 00:32:59,560
Speaker 2: us at the start of the episode that you think

727
00:32:59,600 --> 00:33:03,160
Speaker 2: your money habits or c plus, but you're working on

728
00:33:03,200 --> 00:33:06,960
Speaker 2: your emergency fund goal, You've got an investment, you're really

729
00:33:07,000 --> 00:33:09,040
Speaker 2: on top of your hex. You just told me all

730
00:33:09,080 --> 00:33:12,280
Speaker 2: about how you're already using my budgeting cash flow master class.

731
00:33:12,720 --> 00:33:15,680
Speaker 2: You talked about what you've been through and how you've

732
00:33:15,680 --> 00:33:17,920
Speaker 2: come out the other side to be a killer human being?

733
00:33:18,600 --> 00:33:23,120
Speaker 2: My friend, is C plus representative of your situation? Do

734
00:33:23,160 --> 00:33:26,320
Speaker 2: you think? And if it isn't, what are you? But

735
00:33:26,400 --> 00:33:28,440
Speaker 2: if it is, what would it take to get a

736
00:33:28,480 --> 00:33:29,120
Speaker 2: higher grade?

737
00:33:30,280 --> 00:33:33,120
Speaker 4: I think I'm the C plus this week? This week,

738
00:33:33,160 --> 00:33:35,360
Speaker 4: this week because I did some stress spending, so I

739
00:33:35,360 --> 00:33:36,160
Speaker 4: think it varies.

740
00:33:36,200 --> 00:33:40,840
Speaker 2: Sweet, we don't change out grade based on that, no, no, no, no, okay, no,

741
00:33:40,960 --> 00:33:42,000
Speaker 2: that's too high school.

742
00:33:42,120 --> 00:33:45,840
Speaker 4: No okay, okay. Probably in general, maybe a B.

743
00:33:46,000 --> 00:33:48,480
Speaker 2: Then all right, what would it take to get to

744
00:33:48,520 --> 00:33:49,320
Speaker 2: an A? My friend?

745
00:33:49,480 --> 00:33:52,040
Speaker 4: I think maybe more consistent investing. I would like to

746
00:33:52,080 --> 00:33:54,080
Speaker 4: do that once I've got in my emergency fund to

747
00:33:54,720 --> 00:33:57,080
Speaker 4: a level I'm happy with, and then I think I'd

748
00:33:57,120 --> 00:33:57,800
Speaker 4: be pretty happy.

749
00:33:57,920 --> 00:33:59,640
Speaker 2: I don't even think you have to change anything to

750
00:33:59,640 --> 00:34:03,400
Speaker 2: get to it, Honestly, Obviously, your goals are really important,

751
00:34:03,440 --> 00:34:05,320
Speaker 2: and when you achieve that, you're going to feel more

752
00:34:05,400 --> 00:34:08,279
Speaker 2: like an A. But you have everything in place to

753
00:34:08,320 --> 00:34:10,160
Speaker 2: be in that position, it's just going to take time.

754
00:34:10,480 --> 00:34:12,480
Speaker 2: Like how cool is that to think the fact that

755
00:34:12,640 --> 00:34:14,800
Speaker 2: you are already in that position to be in a

756
00:34:15,360 --> 00:34:18,080
Speaker 2: The only difference is, Okay, it's just going to take

757
00:34:18,080 --> 00:34:20,600
Speaker 2: some time because to build up your emergency fund, that's

758
00:34:20,640 --> 00:34:22,600
Speaker 2: going to take a few months. That'll be fine. Once

759
00:34:22,640 --> 00:34:24,759
Speaker 2: that's there. What are you gonna do? You're gonna start investing? Like,

760
00:34:24,840 --> 00:34:27,799
Speaker 2: I'm so excited for you, because I feel like there's

761
00:34:27,920 --> 00:34:31,040
Speaker 2: nothing to change, there's nothing to update. You just have

762
00:34:31,120 --> 00:34:33,000
Speaker 2: to keep on keeping on. How good.

763
00:34:33,320 --> 00:34:35,160
Speaker 4: And I do have to say thank you to you.

764
00:34:35,400 --> 00:34:39,200
Speaker 4: My financial literacy is all thanks to Sheet's on the Money. Honestly,

765
00:34:39,960 --> 00:34:42,439
Speaker 4: my journey. My friend sent me an episode back during

766
00:34:42,440 --> 00:34:45,600
Speaker 4: the first season. It was the one about Hex and yeah,

767
00:34:45,640 --> 00:34:47,680
Speaker 4: from there, I feel like I've just the world has

768
00:34:47,719 --> 00:34:50,319
Speaker 4: opened up and I just yeah, so it's really all

769
00:34:50,360 --> 00:34:50,840
Speaker 4: thanks to you.

770
00:34:51,640 --> 00:34:54,560
Speaker 2: Ah, that makes me so happy. We need to stop

771
00:34:54,600 --> 00:34:56,400
Speaker 2: talking about it, though, because I end up crying.

772
00:34:56,440 --> 00:34:57,879
Speaker 4: Hey sorry, and that's.

773
00:34:57,640 --> 00:35:00,000
Speaker 2: Not that sexy on a podcast. But I'm so grateful.

774
00:35:00,200 --> 00:35:02,399
Speaker 2: It makes my heart so full to know that not

775
00:35:02,440 --> 00:35:05,359
Speaker 2: only have we created content that impacts people, but they

776
00:35:05,480 --> 00:35:09,080
Speaker 2: like love it too, Like it's just it's so nice. Anyway,

777
00:35:09,239 --> 00:35:12,880
Speaker 2: thank you so much. It has been a beautiful experience

778
00:35:12,920 --> 00:35:14,680
Speaker 2: having a chat with you. I feel like I've learned

779
00:35:14,680 --> 00:35:16,879
Speaker 2: so much about what you do and how you do it,

780
00:35:16,920 --> 00:35:19,080
Speaker 2: and I feel like we are richer having met you.

781
00:35:19,239 --> 00:35:22,120
Speaker 2: So thank you so much. I'm so grateful, thank you

782
00:35:22,160 --> 00:35:30,840
Speaker 2: for having me. The advice shared on She's on the

783
00:35:30,840 --> 00:35:33,600
Speaker 2: Money is general in nature and does not consider your

784
00:35:33,600 --> 00:35:38,080
Speaker 2: individual circumstances. She's on the Money exists purely for educational

785
00:35:38,080 --> 00:35:40,520
Speaker 2: purposes and should not be relied upon to make an

786
00:35:40,600 --> 00:35:43,839
Speaker 2: investment or financial decision. If you do choose to buy

787
00:35:43,880 --> 00:35:47,600
Speaker 2: a financial product, read the PDS TMD and obtain appropriate

788
00:35:47,640 --> 00:35:51,880
Speaker 2: financial advice tailored towards your needs. Victoria Divine and She's

789
00:35:51,920 --> 00:35:55,640
Speaker 2: on the Money are authorized representatives of Money. Sheva pty

790
00:35:55,880 --> 00:35:59,319
Speaker 2: Ltd ABN three two one is six four nine two

791
00:35:59,360 --> 00:36:02,319
Speaker 2: seven seven zero eight a f s L four five

792
00:36:02,400 --> 00:36:04,360
Speaker 2: one two eight nine