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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 Kerni 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 through.

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Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and

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

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Speaker 1: and lasting impact for tomorrow.

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Speaker 2: Let's get into it. She's on the Money. She's on

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

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Speaker 2: podcast for millennials who want financial freedom. Today, my friends,

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Speaker 2: is Friday, which means it is time to sit back

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Speaker 2: with our friends with a bev in hand, to unpack

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Speaker 2: our favorite moments of the week, and of course, to

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Speaker 2: celebrate you, our incredible cheese on the Money community. As always,

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Speaker 2: we're going to be sharing our favorite money wins, We're

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Speaker 2: going to be discussing what's making news in the finance world,

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Speaker 2: and we're going to help answer another one of our

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Speaker 2: juicy money questions, which This week is all about celebrating

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Speaker 2: this more wins, which we are all about here at

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Speaker 2: Cheese on the Money. But first, as always, it is

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Speaker 2: time to recap the week that was. Miss Jesse Gotachi,

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Speaker 2: can you talk to us about our Monday Money diary.

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Speaker 3: Yeah.

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Speaker 4: So this weeks dirist self described themselves as live in

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Speaker 4: LaVita Limbo, which like really just got me for fie

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Speaker 4: and a sinker. I was like, oh my god, that's

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Speaker 4: ten out of ten for a title.

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Speaker 2: It was a tongue twister though, like even when we

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Speaker 2: were recording and I was like thinking about it before

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Speaker 2: I said it, because I was like, I'm gonna get

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Speaker 2: this wrong, and I think I did in that episode

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Speaker 2: a few times. But y'all.

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Speaker 4: Yeah, So it was a really great way of describing

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Speaker 4: something that I think a lot of us can relate to.

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Speaker 4: And she was saying that she had kind of hit

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Speaker 4: autopilot on her life a little bit. She felt like

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Speaker 4: she was doing the same things and not really achieving

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Speaker 4: any progress on a few different kind of facets of

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Speaker 4: her life. And I think that I really related to

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Speaker 4: that because I've definitely experienced that in the past. We

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Speaker 4: kind of just feel a bit stuck you're like, oh,

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Speaker 4: like I can kind of see what I should do,

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Speaker 4: but I don't know what I should do. And she

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Speaker 4: was feeling this in regards to her finances but also

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Speaker 4: her career and her life, and I think it really

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Speaker 4: can kind of bleed across. And so it was a

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Speaker 4: really good, really relatable chat. I felt like that. I

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Speaker 4: think a lot of people will enjoy.

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Speaker 2: I think it was well timed because Jess, you would

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Speaker 2: have seen this as well. But there's just lots of

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Speaker 2: messages coming in via our Instagram dms or our Facebook

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Speaker 2: dms of people being like I'm feeling a bit stuck

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Speaker 2: or I'm having like a quarter life crisis, or what's

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Speaker 2: this or what's that? And I feel like when you're

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Speaker 2: going through that, you just look at everybody else around

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Speaker 2: you and assume they've got their stuff together. Like I

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Speaker 2: would look at you, Jess and be like, oh far out,

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Speaker 2: like she's doing so well, she's one of my girlfriends.

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Speaker 2: I feel like we never see the behind the scenes

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Speaker 2: of that, even though Jess, you might be feeling a

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Speaker 2: little bit like you're in limbo. So I think it's

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Speaker 2: such a good chat to have because it just puts

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Speaker 2: things in perspective that we're never really going through financial

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Speaker 2: troubles on our own. There's always someone going through something

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Speaker 2: really similar, and that's I guess the beauty of the

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Speaker 2: Shehes on the Money community. Georgia King, Hello, Wednesday's deep Dive.

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Speaker 2: What did we do and how did we do it?

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Speaker 3: We did a big fat Q and a all about insurances.

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Speaker 2: That sounds terrible, It was good, my friend.

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Speaker 3: So we picked and chose from the community, so we

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Speaker 3: were answering your questions and we spoke about everything from

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Speaker 3: the insurances tied up in super to income insurance. We

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Speaker 3: had so many more questions to get to, but we

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Speaker 3: were like, we need to put a pin in it

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Speaker 3: because this has been going for like forty minutes, so

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Speaker 3: we had to stop ourselves. But it was super interesting

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Speaker 3: and there will hopefully be a part two coming later

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Speaker 3: on in the year. So if you do have more

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Speaker 3: insurance questions, please send them our way and we will

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Speaker 3: try and answer them in a later episode.

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Speaker 2: Yay, I loved as much as I said, it sounds terrible,

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Speaker 2: sounds dry, but I feel like it became a really

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Speaker 2: well rounded conversation about insurance and the need for it

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Speaker 2: and how it works and what it means, because so

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Speaker 2: many of us are just confused by it still, so

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Speaker 2: there's probably more coming. There's more stuff coming. But Georgia King,

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Speaker 2: it is time for you to share some of our budget.

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Speaker 2: Direct money wins have you got for us? We've got

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Speaker 2: some money wins. I've got some money losses. I've got

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Speaker 2: some money PSA's ladies, let's start straight in the first one.

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Speaker 2: It comes from Jane money Win. I got to work

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Speaker 2: this morning to be told we're all getting a two

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Speaker 2: thousand dollars bonus. Say, how good is that, Fia? Do

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Speaker 2: we know what it was for? Just just just just

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Speaker 2: being nice human? Is that thing?

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Speaker 3: Oh?

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Speaker 2: I mean I've really experienced it. Ah, But I'm going

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Speaker 2: to believe our money dire one hundred percent.

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Speaker 3: Well done, Jane. The next win comes from Kimberly money Win.

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Speaker 3: I desperately needed a new laptop for Uni Slash work.

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Speaker 3: I went to buy the one I've been saving for

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Speaker 3: two weeks ago, but I decided to wait until I

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Speaker 3: had a little bit more in my savings account. It

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Speaker 3: was on sale this week from two thousand dollars down

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Speaker 3: to one thousand, three hundred and ninety dollars. That's actually

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Speaker 3: so good, massive, well done, Kimberly. The next thing comes

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Speaker 3: from Cat Money Win. I'm currently on matt leaves, so

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Speaker 3: decided last week to go through my wardrobe and do

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Speaker 3: a cull of the I'll fit into it one day clothes.

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Speaker 2: We don't stand for those. They make you feel ten exactly.

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Speaker 3: Get rid of them, ladies, And also the items she

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Speaker 3: hasn't worn since moving towns almost two years ago. These

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Speaker 3: items went up on Facebook marketplace, along with some other

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Speaker 3: things we no longer use. I'm now a couple of

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Speaker 3: one hundred dollars richer with a clearer wardrobe and house,

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Speaker 3: which we love.

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Speaker 2: Cat.

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Speaker 3: The next one is a loss and it comes from

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Speaker 3: Laura Money Loss. Going to Splendor, Oh Splender, splendor in

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Speaker 3: the mud.

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Speaker 2: How was that content, ladies? Oh look, I'm not a

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Speaker 2: festival gal at the best of time, but I was

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Speaker 2: sitting at home or my high horse, watching everyone's TikTok's

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Speaker 2: going yack, yuck, yuck.

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Speaker 4: All the girly who spent money on cute outfix to

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Speaker 4: then ruin them.

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Speaker 2: Oh my gosh, Yes, I saw Brook Perry actually at

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Speaker 2: Splendor in the grass or are we calling it splendor

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Speaker 2: in the mud? And she was wearing a gorgeous It

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Speaker 2: was like a sports girl outfit because she was posting

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Speaker 2: it and tagging it. She had these like tall cowboy

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Speaker 2: boots that were white. Oh my gosh, they look horrendous.

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Speaker 2: I'm like, oh, I hope that's not a brand collaboration

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Speaker 2: because they're actually ruined. But it did look like she

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Speaker 2: had fun, so.

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Speaker 3: I mean, it would have been memorable if nothing else.

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Speaker 2: Oh, do you think that they'll get refunds on part

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Speaker 2: of their tickets? I know, Oh, I don't know how

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Speaker 2: it works, because then I feel a little bit awkward

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Speaker 2: because there's obviously vendors that went they needed to be paid,

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Speaker 2: and like, oh, I feel like it's just actually a

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Speaker 2: money loss for us individually all around.

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Speaker 3: All right, let's move on though, to Courtney money slash Life.

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Speaker 3: When I finally got around to getting my will sorted

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Speaker 3: so there's less stress for the future, and I also

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Speaker 3: did my tax return for the first time without the

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Speaker 3: help from an accountant.

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Speaker 2: What a queen.

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Speaker 3: I saved the fees and I got a healthy return,

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Speaker 3: plus I put one hundred percent of it into my

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Speaker 3: savings for the first time ever.

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Speaker 2: We love it that huge.

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Speaker 3: Here's the money loss slash Persa Ladies that comes from

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Speaker 3: Hailey money loss. I bought two apples on the way

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Speaker 3: to Netbull forgetting that we were going to enter a

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Speaker 3: fruit fly exclusion zone.

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Speaker 2: Just my luck.

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Speaker 3: The fruit fly police pulled us over and gave me

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Speaker 3: a whopping.

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Speaker 2: Four hundred fine.

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Speaker 3: This is what happens when I make an effort to

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Speaker 3: eat healthily. What is this fruit fly exclusion zone situation?

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Speaker 3: Where are we located in the world.

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Speaker 2: It's borders.

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Speaker 4: So if you're driving between the borders of certain states,

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Speaker 4: so I think you get cross. I want to say

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Speaker 4: up towards Aubrey. That could be very incorrect.

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Speaker 2: I feel like when I've driven up to Queensland way

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Speaker 2: back in the day, they were like signs and stuff

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Speaker 2: that said like fruit fly zone or something. You can't

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Speaker 2: have produce.

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Speaker 4: It's just stop the contamination of got caught produce going

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Speaker 4: from one place together and yeah, if there's I guess

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Speaker 4: I didn't know they had people policing. I thought it

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Speaker 4: was like self police to do the right thing type situation.

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Speaker 4: But that's that's rough.

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Speaker 1: It's rough.

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Speaker 3: It's kind of funny. But Hailey, I hope you're okay.

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Speaker 2: Sorry to the loties and chocolate right, yeah, exactly. That

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Speaker 2: was a really expensive couple of apples.

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Speaker 3: The next one is a loss, but it made me laugh.

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Speaker 3: It comes from ebony money loss. I'm having a baby tomorrow.

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Speaker 2: Whenever.

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Speaker 3: That's what she wrote, and so that was hilarious. The

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Speaker 3: baby will be born now. Cong congratulation.

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Speaker 2: Loss, very exactly, and arguably you've already been spending money

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Speaker 2: on it, so it's not tomorrow that that's happening.

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Speaker 3: The final win of today comes from angely. It is

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Speaker 3: a wholesome, one money win. I purchased the Budgeting and

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Speaker 3: cash Flow master Class over the weekend and I finished

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Speaker 3: it on the weekend because I'm a crazy person. I

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Speaker 3: feel like I've prioritized my values, given every dollar a job,

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Speaker 3: and I've created a realistic budget that won't have me

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Speaker 3: borrowing money from others, sinking funds or savings, constantly feeling

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Speaker 3: it's super.

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Speaker 2: Undefeated right now, Oh my gosh, no, I love that.

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Speaker 2: And she's probably not listening to this episode because if

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Speaker 2: you've done the budget cash Flow Masterclass, guarantee, you're probably

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Speaker 2: sick of my voice. Why now, but I might go

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Speaker 2: and comment on that. Congratulate her anyway, all right, ge King,

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Speaker 2: It has been so good celebrating some of your budget

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Speaker 2: direct money wins. Budget Direct winner of can Stars Insurer

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Speaker 2: of the Year Award twenty twenty two. Budget Direct Insurance solved.

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Speaker 2: And with that, my friends, let's go to a very

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Speaker 2: quick break, and after the break, we are going to

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Speaker 2: talk juicy money questions and what's going on in the

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Speaker 2: media cycle.

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Speaker 4: Don't go anywhere, all right, I have one. It's going

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Speaker 4: to get the gals rolled up. I can already feel it.

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Speaker 4: Show the content piece this week. I wast it spicy.

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Speaker 4: It is a little bit. I think it feeds into

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Speaker 4: a really good broader conversation though. So I want to

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Speaker 4: talk about our friend Elon Musk, what a guy. Not

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Speaker 4: about Twitter and the absolute model that that whole thing

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Speaker 4: has become, but actually about a comment he made recently

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Speaker 4: in the media regarding working from home.

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Speaker 2: And it wasn't even a comment he made. It was leaked.

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Speaker 2: It was a sneaky media.

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Speaker 4: Yes, that's right, And it was around the rules that

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Speaker 4: are applicable to Tesla employees. He said, everyone at Tesla

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Speaker 4: is required to spend a minimum of forty hours in

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Speaker 4: the office per week.

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Speaker 2: If you don't show up, we will assume.

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Speaker 4: You have resigned and he sent that out in bulk

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Speaker 4: to his employees. So, I mean, I have so many

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Speaker 4: thoughts on this, but I thought it fed really interestingly

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Speaker 4: into the broader conversation because a lot of workplaces have

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Speaker 4: shifted to a hybrid or a fully remote approach, and

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Speaker 4: there is calls from employees who are kind of demanding

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Speaker 4: flexibility that has never been tabled as an option before.

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Speaker 4: And there's some interesting reports coming out from people, particularly women,

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Speaker 4: around the impacts that this may have on them and

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Speaker 4: their careers and the expectations of employers.

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Speaker 2: And I just thought it could be kind of a.

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Speaker 4: Fun chat because the three of us kind of come

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Speaker 4: from different perspectives, with an employer, an employee, and a freelancer.

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Speaker 2: So, you know, I think, Jess, I have tried so

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Speaker 2: hard not to jump in here, but I want to

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Speaker 2: hear your thoughts first. As an employer, I have thoughts,

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Speaker 2: but I don't think I'm that traditional. So Georgia King,

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Speaker 2: how do you feel about that?

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Speaker 3: I want to fight elan. Look, if I worked at Tesla,

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Speaker 3: I would have yeated by now I did. I adore

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Speaker 3: working from home. I really enjoyed the hybrid model. I

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Speaker 3: love going into work a couple of days a week

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Speaker 3: seeing my colleagues, but I love the freedom that working

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Speaker 3: from home provides. I find I'm more productive than ever.

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Speaker 3: Not having to do the commute is just a life

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Speaker 3: change changer, and I think this year has just been

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Speaker 3: like I am genuinely so much happier for having this

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Speaker 3: hybrid model. And it's different to last year because it's

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Speaker 3: not just home one hundred percent of the time, being

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Speaker 3: able to go to the office when it's soon too.

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Speaker 3: It's really working for me. So yeah, I do not

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Speaker 3: agree with Elon at all, but I do understand that businesses,

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Speaker 3: you know, we've gotten to this stage in the pandemic

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Speaker 3: where it is now up to them to decide what

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Speaker 3: they want their employees to do. I don't think he's

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Speaker 3: making the right call, but I understand why businesses are

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Speaker 3: making these calls, if that makes sense.

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Speaker 2: Yeah, I don't. I don't get it, like I just

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Speaker 2: I cannot resonate with that at all. I guess having

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Speaker 2: come from a very corporate background where people would ask

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Speaker 2: and this was when I was employed, not when I

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Speaker 2: worked for myself. So please don't think this was my

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Speaker 2: team by any stretch of the imagination. But I remember

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Speaker 2: people in my team asking for flexible work hours, or

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Speaker 2: they'd say, oh, hey, like i'd love to be able

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Speaker 2: to drop my kid at daycare. My husband does it

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Speaker 2: all the time or whatever. Can I come in at

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Speaker 2: like nine point thirty in the mornings, And like in

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Speaker 2: my head, I'm like, yeah, okay, why not, Like that

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Speaker 2: makes sense? Like and I feel like off, and especially women,

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Speaker 2: And I guess this is what this podcast is like

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Speaker 2: predominantly made up of. Is like our teams, women, and

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Speaker 2: our community are mostly women. I don't want people to

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Speaker 2: assume that that means we're only talking to him anyway,

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Speaker 2: going on, I feel like women are far more likely

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Speaker 2: to compromise when they're asking for work life balance, Like

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Speaker 2: they're more likely to be like, oh, oh, come in

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Speaker 2: at nine point thirty because I want to drop my

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Speaker 2: kid at daycare, but I won't take a break and

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Speaker 2: I'll work an extra hour, Like that's not how it works,

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Speaker 2: Like we'men to have flexible work hours, so yeah, make

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Speaker 2: it up, Like I think that that's important, But like

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Speaker 2: often we're more than likely to offer something else because

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Speaker 2: we think we're being some kind of burden by asking that,

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Speaker 2: when in reality, that's not the case, so we need

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Speaker 2: to cut that out. But I remember just being so

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Speaker 2: baffled at the executive's decisions. They'd be like, NA, we

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Speaker 2: don't offer that because if we offer it to you,

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Speaker 2: then other people will expect that. And I was like, okay,

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Speaker 2: then other people will expect that. But the confusion from

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Speaker 2: my perspective, comes from I guess productivity and you know,

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Speaker 2: let's be honest. If you're a hairdresser, you can't usually

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Speaker 2: work from home, Like you can't be like, oh, zoom

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Speaker 2: in to my meetings, Like that's not going to work.

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Speaker 2: There are some roles where you do have to be

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Speaker 2: in person, because you might be a service provider, or

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Speaker 2: you might work in retail, or it might be a

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Speaker 2: very specific office job that can only be carried out

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Speaker 2: in an office because that's where that is. Maybe it's

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Speaker 2: paper and pen and it's literally getting people to sign

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Speaker 2: things and filing it away. I don't know, but from

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Speaker 2: my perspective, with a team that has done really well

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Speaker 2: over COVID, I just it baffles me to think that

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Speaker 2: we haven't learned from that and people are being so

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Speaker 2: arguably cruel to their employers by not respecting that they

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Speaker 2: have a life outside of their work. I completely agree.

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Speaker 4: I will never in my life work for an employer

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Speaker 4: who won't offer flexible work. And I think that the

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Speaker 4: pandemic was a catalyst for what was already happening in

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Speaker 4: you know, a lot of industries, particularly creative industries, tech

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Speaker 4: industries specifically as well, have been really great about offering

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Speaker 4: these kinds of perks. I think it really comes down

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Speaker 4: to you need to trust your employees to do the

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Speaker 4: right thing. You know, you need to trust that they're

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Speaker 4: telling you what's best for them. Because some people will

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Speaker 4: prefer flexible, some people prefer hybrids. Some people might want

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Speaker 4: to be in the office full time because they like

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Speaker 4: the you know, really strict delineation of work and home,

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Speaker 4: and that's okay. But I think the standard workplace nine

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Speaker 4: to five is firstly set up for a subset of

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Speaker 4: people that the whole rest of the world is structured for,

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Speaker 4: and it's neurotypical middle class people who don't have other responsibilities,

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Speaker 4: and typically men, because they didn't traditionally have caregiving responsibilities.

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Speaker 4: They didn't traditionally have all those sorts of things. And

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Speaker 4: I saw a really interesting article and I can't remember

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Speaker 4: where it was or so forgive me, but it said

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Speaker 4: that men are more eager to return to the office

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Speaker 4: than women because they were finding when they were working

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Speaker 4: from home, they were expected to carry a larger portion

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Speaker 4: of the home, they have to see their kids more,

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Speaker 4: and so I think it has further brought to the forefront,

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Speaker 4: you know, the real divide that still exists in stereotypical

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Speaker 4: gender roles and stereotypical roles in terms of you know,

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Speaker 4: our neurodivergent friends. People have different needs that can be

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Speaker 4: better catered to when you have flexible working options, and

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Speaker 4: beyond that, just better work life balance. Like I have

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Speaker 4: never felt a better sense of balance than when I

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Speaker 4: was working four days a week, when I was working

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Speaker 4: in a warehouse and I was doing physical labor, and

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Speaker 4: I was doing all of these other really exhausting things.

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Speaker 4: But it worked really well for me. And I think

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Speaker 4: we're going to continue to see industry shifting towards remote

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Speaker 4: or flexible, shorter weeks, split weeks, all of these different things.

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Speaker 4: And ultimately, I think as an employer, if your business

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Speaker 4: has the capability to do so, because as you said,

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Speaker 4: surgeons can't really work from home, but if your business

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Speaker 4: has the ability to do so, if you're not providing

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Speaker 4: those options and putting them on the table, you are

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Speaker 4: going to see a significant decline in the quality of

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Speaker 4: candidates applying field one hundred percent because people just actually

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Speaker 4: aren't going to put up with that anymore. Because for

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Speaker 4: too long, I think people have taken and just accepted

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Speaker 4: shitty pay, shitty hours, shitty expectations. And now there are

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Speaker 4: people like us standing up and saying, hey, like, actually

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Speaker 4: that's not good enough and you deserve better. And it's

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Speaker 4: becoming almost a movement where people and you know, you

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Speaker 4: see the boomers talking about gen zt a lot, saying

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Speaker 4: gen zet are lazy, they don't want to do this,

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Speaker 4: they don't want to know. They're actually just telling you

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Speaker 4: that they're not going to take the shitty expectations that

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Speaker 4: you did. And I think that's a great thing.

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Speaker 2: Yeah, And I'm so sick of people saying, oh, but

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Speaker 2: that's how I cut my teeth in the thing. Just no, no, no,

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Speaker 2: this is twenty twenty two. Things are very different. But

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Speaker 2: you brought up a really interesting point, and I'm going

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Speaker 2: to go off on a tiny tangent, but I think

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Speaker 2: it's really relevant, and that's actually about our hormone cycles

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Speaker 2: as men versus women. Right. So you said before, Jess

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Speaker 2: that the standard work day was created to suit men,

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Speaker 2: absolutely correct, because it was established when women were expected

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Speaker 2: to be homemakers and never in the office, and it

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Speaker 2: worked for them to be nine to five Monday to Friday.

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Speaker 2: Like that's how it works, right. But if you compare

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Speaker 2: and contrast, and there was a really good episode I

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Speaker 2: don't know if it's out yet, but it's on the

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Speaker 2: Healthy Shift podcast by our friend Roger, who is in

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Speaker 2: the business Bible community and a very very big advocate

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Speaker 2: of She's on the money, but he was talking about

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Speaker 2: women's circadian rhythms versus men's and none of you are

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Speaker 2: going to be surprised. But men, their hormone cycle peaks

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Speaker 2: once a day, like they operate best nine to five

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Speaker 2: because they wake up they have a massive rush of hormones.

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Speaker 2: That's how it works, and then it tapers off during

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Speaker 2: the day and then by five pm they're all good

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Speaker 2: and ready to come home and ready to relax and

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Speaker 2: go to bed and start that cycle again. You compare

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Speaker 2: it to a woman and nobody is going to be surprised.

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Speaker 2: We work on twenty eight day cycles. You will notice

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Speaker 2: in your body that there are better times during the

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Speaker 2: week that you perform, or at times during your cycle

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Speaker 2: that you're really productive, or you might be a little

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Speaker 2: bit flat here, or you might feel this. All that

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Speaker 2: because our hormones literally work different to men's. And I

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Speaker 2: find it so interesting that we've just defaulted to working

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Speaker 2: to their standards without really having been looked at us.

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Speaker 2: All right, well, how's Jess going to perform best? Jess

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Speaker 2: performs best, honest to God, when she's given freedom, Like

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Speaker 2: I know that about Jess. We're at office that works

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Speaker 2: three days from home, one studio day, one office day,

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Speaker 2: and to be honest, that office day exists purely to

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Speaker 2: connect with the team. It has nothing to do with,

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Speaker 2: oh my gosh, we're more productive. Can we come into

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Speaker 2: the office? Can we do? We're not. We are so

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Speaker 2: much more productive individually. I have adhd I'm a pest.

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Speaker 2: I have not to talk to you. I saw a

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Speaker 2: TikTok the other day about people having lights on their

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Speaker 2: monitors of like read, don't talk to me, orange, only

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Speaker 2: approach me if you ignore respects the light. No, No,

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Speaker 2: I've got no respect. Like I would choose color blindness.

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Speaker 5: I'd be like, hey, Jess, what's up, Like do you

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Speaker 5: want to go.

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Speaker 2: For another coffee?

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Speaker 3: Like that?

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Speaker 2: That to me is also really important in an office

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Speaker 2: environment or a team environment. Right, So I'm not looking

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Speaker 2: at it going like, oh, Jess, I want you to

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Speaker 2: be in the office. I'm looking at it going like, oh, yes,

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Speaker 2: like we have a positive relationship. I'd love to see

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Speaker 2: you once a week because I really get a lot

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Speaker 2: out of, you know, socializing with my team and getting

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Speaker 2: to know them and having those passing conversations of like

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Speaker 2: what's going on in your life? Because you know, when

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Speaker 2: I jump on zoom with Jess often it's like, oh, Jess,

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Speaker 2: all right, ten am, we'll jump on zoom and we'll

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Speaker 2: smash ABCD and e out yeah yeah, and then we

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Speaker 2: jump on in. Jess is like all right, so first

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Speaker 2: gender item. We are very business when we're at home,

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Speaker 2: because I'm very respectful that, oh, Jess, you've got lunch break,

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Speaker 2: like at one o'clock, let's work till one or whatever

435
00:20:40,440 --> 00:20:43,240
Speaker 2: it is. I just think it's it blows my mind

436
00:20:43,400 --> 00:20:46,120
Speaker 2: that other employers don't trust their employees, and I think

437
00:20:46,160 --> 00:20:50,600
Speaker 2: that goes back to their personalities, like looking back at

438
00:20:50,680 --> 00:20:54,120
Speaker 2: previous bosses, looking back at previous people that I've worked with,

439
00:20:54,720 --> 00:20:57,800
Speaker 2: like the type of person that, from my perspective obviously

440
00:20:57,920 --> 00:21:01,880
Speaker 2: very anecdotal, didn't allow how flexible work hours were also

441
00:21:01,920 --> 00:21:05,080
Speaker 2: the type of boss to micromanage you because they genuinely

442
00:21:05,119 --> 00:21:07,879
Speaker 2: didn't trust that you could do your job, whereas I

443
00:21:07,920 --> 00:21:10,479
Speaker 2: would probably sway to the other side and it might

444
00:21:10,520 --> 00:21:13,000
Speaker 2: not be a good thing, but I just go, all right, Jess,

445
00:21:13,040 --> 00:21:14,919
Speaker 2: I really trust you. You let me know when you

446
00:21:15,000 --> 00:21:16,760
Speaker 2: need my help, and I'll check and be like, how

447
00:21:16,800 --> 00:21:19,600
Speaker 2: you going. You be like, sweet, Yeah, that's it. I

448
00:21:19,600 --> 00:21:22,159
Speaker 2: think it's just different ways of working. But now people

449
00:21:22,160 --> 00:21:25,720
Speaker 2: are really demanding in a way good leadership, and I'm

450
00:21:25,760 --> 00:21:28,080
Speaker 2: not putting myself on a pedestal going I'm a good leader.

451
00:21:28,119 --> 00:21:31,280
Speaker 2: I'm going. I think people expect this. People expect you

452
00:21:31,320 --> 00:21:33,399
Speaker 2: to be trusting of your talents and trusting of your

453
00:21:33,440 --> 00:21:36,520
Speaker 2: ability to learn. And you know, I'm sorry if I'm

454
00:21:36,520 --> 00:21:39,359
Speaker 2: dominating this conversation. I'm just really passionate about it. But

455
00:21:39,400 --> 00:21:41,720
Speaker 2: I was having a conversation with someone the other day

456
00:21:42,080 --> 00:21:44,120
Speaker 2: and it took all my strength not to jump out

457
00:21:44,119 --> 00:21:47,240
Speaker 2: of the chair and have a very spicy conversation. It

458
00:21:47,280 --> 00:21:49,080
Speaker 2: was in a group of conversations, so I decided I

459
00:21:49,080 --> 00:21:52,200
Speaker 2: didn't want to be that guy. But they said, if

460
00:21:52,200 --> 00:21:54,399
Speaker 2: you want a job, you work from home. If you

461
00:21:54,440 --> 00:21:57,880
Speaker 2: want a career, you work from the office, and Jess,

462
00:21:57,920 --> 00:22:01,560
Speaker 2: I feel like I could light a fire whatever you're

463
00:22:01,600 --> 00:22:04,240
Speaker 2: putting out right. Oh my gosh. I yeah.

464
00:22:04,280 --> 00:22:07,360
Speaker 4: And that's kind of where these conversations are going, going

465
00:22:07,400 --> 00:22:09,359
Speaker 4: back to what we were saying earlier about you know,

466
00:22:09,440 --> 00:22:12,800
Speaker 4: women's career and the furtherman of that and that old

467
00:22:12,840 --> 00:22:15,720
Speaker 4: school mentality of well, if you're not putting in the hours,

468
00:22:16,040 --> 00:22:18,720
Speaker 4: if I'm leaving the office at five PM, I clearly

469
00:22:18,800 --> 00:22:20,400
Speaker 4: don't care about my job, because if I cared, I'd

470
00:22:20,440 --> 00:22:21,480
Speaker 4: be here to nine.

471
00:22:21,800 --> 00:22:23,000
Speaker 2: Like it's so.

472
00:22:23,280 --> 00:22:26,119
Speaker 4: Old school, and it's a real shame to see that

473
00:22:26,200 --> 00:22:28,439
Speaker 4: it exists so broadly, because I really didn't think that

474
00:22:28,520 --> 00:22:32,240
Speaker 4: it did. And there's the conversation around, you know, for

475
00:22:32,320 --> 00:22:34,520
Speaker 4: women particularly, we know that we're less likely to be

476
00:22:34,520 --> 00:22:37,159
Speaker 4: put forward for advancement or for you know, for the

477
00:22:37,320 --> 00:22:39,560
Speaker 4: education within the workplace and all those kinds of things,

478
00:22:39,960 --> 00:22:42,639
Speaker 4: and then people are now having conversations around, oh, well,

479
00:22:42,640 --> 00:22:45,040
Speaker 4: if I'm working from home, does that mean that gap

480
00:22:45,119 --> 00:22:47,880
Speaker 4: is going to wide? And even further for me as

481
00:22:47,960 --> 00:22:52,159
Speaker 4: a female, because now I'm having less touch points that

482
00:22:52,400 --> 00:22:55,439
Speaker 4: maybe my old school boss thinks that are really important,

483
00:22:55,480 --> 00:22:57,399
Speaker 4: and he's going, oh, well, she's not dedicated, she doesn't

484
00:22:57,440 --> 00:22:59,320
Speaker 4: want that next job. I'm going to put timmy in

485
00:22:59,359 --> 00:23:02,320
Speaker 4: because he's here week. And it's about how do we

486
00:23:02,359 --> 00:23:05,080
Speaker 4: avoid that, I guess, But how do we also kind

487
00:23:05,119 --> 00:23:07,560
Speaker 4: of help to shift that mentality because butt in c

488
00:23:07,920 --> 00:23:12,200
Speaker 4: doesn't equal production, productivity or any of the other things

489
00:23:12,200 --> 00:23:16,399
Speaker 4: that are so important to having an employee who is

490
00:23:16,440 --> 00:23:17,120
Speaker 4: great at their job.

491
00:23:17,440 --> 00:23:20,160
Speaker 2: It gives me the ick. It honestly makes me feel yuck.

492
00:23:20,280 --> 00:23:22,480
Speaker 2: And you see on I don't know, I watch a

493
00:23:22,520 --> 00:23:24,359
Speaker 2: lot of TikTok guys. I don't know if we're on

494
00:23:24,359 --> 00:23:26,480
Speaker 2: the same side of TikTok or not, but I see

495
00:23:26,480 --> 00:23:29,800
Speaker 2: a lot of employer content inspirational stuff, and they talk

496
00:23:29,800 --> 00:23:32,120
Speaker 2: about things like, oh my gosh, employees are so much

497
00:23:32,119 --> 00:23:34,920
Speaker 2: more productive in the office. Prove it, Prove to me

498
00:23:35,000 --> 00:23:37,119
Speaker 2: that they are. Like we're saying these things, Can you

499
00:23:37,119 --> 00:23:39,320
Speaker 2: please show me that your employees are more productive in

500
00:23:39,359 --> 00:23:41,600
Speaker 2: the office. Have you done that research? Like, have you

501
00:23:41,640 --> 00:23:44,199
Speaker 2: got statistics to show? And I mean it might be

502
00:23:44,359 --> 00:23:47,119
Speaker 2: very easy in a circumstance where you're a lawyer and

503
00:23:47,200 --> 00:23:50,240
Speaker 2: you charge every seven minutes, and you can unequivocally go

504
00:23:50,359 --> 00:23:53,760
Speaker 2: to a spreadsheet and say, Okay, Jesse is more productive

505
00:23:53,760 --> 00:23:56,600
Speaker 2: in the office. And I think that's a very fair conversation.

506
00:23:56,680 --> 00:23:58,480
Speaker 2: If I could sit down with you, let's use you

507
00:23:58,520 --> 00:24:00,160
Speaker 2: as an example just and be like, hey, look, look

508
00:24:00,200 --> 00:24:02,320
Speaker 2: here's your productivity when you're in the office versus out

509
00:24:02,320 --> 00:24:04,679
Speaker 2: of the office. See why I might want you in

510
00:24:04,680 --> 00:24:07,080
Speaker 2: the office. And you go, yeah, okay, no problems. However,

511
00:24:07,480 --> 00:24:10,080
Speaker 2: that's not the case in my circumstance, and I think

512
00:24:10,080 --> 00:24:12,560
Speaker 2: that's not the case in a lot of people circumstances.

513
00:24:12,560 --> 00:24:14,920
Speaker 2: They're just not willing to look at the fact because

514
00:24:14,960 --> 00:24:19,000
Speaker 2: it makes them uncomfortable. People don't like change, people like control,

515
00:24:19,200 --> 00:24:21,479
Speaker 2: and a lot of people who you know are in

516
00:24:21,520 --> 00:24:25,199
Speaker 2: management positions love control. Please don't get me wrong, I

517
00:24:25,440 --> 00:24:29,639
Speaker 2: do too. I'm very controlling of my circumstances. But I

518
00:24:29,640 --> 00:24:32,160
Speaker 2: think you need to see it from both perspectives. I

519
00:24:32,240 --> 00:24:35,280
Speaker 2: know that as a small employer, one of the best

520
00:24:35,359 --> 00:24:39,520
Speaker 2: selling points I have is my ability to be flexible. Like, great,

521
00:24:39,520 --> 00:24:41,760
Speaker 2: you're a working mom, fantastic, Great you want to work

522
00:24:41,800 --> 00:24:44,399
Speaker 2: part time? Great, let's try and make that a job share.

523
00:24:44,600 --> 00:24:47,520
Speaker 2: I'm looking for the right people for my organization, and

524
00:24:47,560 --> 00:24:49,639
Speaker 2: I would hope that they're trying to match with me

525
00:24:49,840 --> 00:24:52,080
Speaker 2: because they're the right people to work with us, and

526
00:24:52,119 --> 00:24:55,520
Speaker 2: I respect that. However, a lot of bigger employers go, oh, well,

527
00:24:55,600 --> 00:24:58,280
Speaker 2: we are a big employer, we have the label, we

528
00:24:58,320 --> 00:25:00,240
Speaker 2: have the name, we can do whatever we want. And

529
00:25:00,280 --> 00:25:02,320
Speaker 2: that just gives me the hick guys.

530
00:25:02,400 --> 00:25:05,479
Speaker 3: Well, that's what I was going to touch on next, fee, Like,

531
00:25:05,840 --> 00:25:08,480
Speaker 3: is there a difference between the way that small businesses

532
00:25:08,560 --> 00:25:11,400
Speaker 3: run and the way bigger businesses run. Perhaps when you have,

533
00:25:11,880 --> 00:25:14,600
Speaker 3: you know, hundreds of employees, it's easier just to slap

534
00:25:14,640 --> 00:25:16,600
Speaker 3: this blanket rule down and so you have to be

535
00:25:16,640 --> 00:25:20,240
Speaker 3: in forty hours a week, otherwise you don't work here anymore.

536
00:25:20,720 --> 00:25:24,280
Speaker 3: Like is that can you kind of empathize.

537
00:25:23,600 --> 00:25:25,960
Speaker 2: With that or is it just look I guess to

538
00:25:26,000 --> 00:25:31,240
Speaker 2: play devil's advocate here during COVID particularly and coming out

539
00:25:31,280 --> 00:25:35,200
Speaker 2: of COVID and talking just in friendship groups and seeing

540
00:25:35,200 --> 00:25:37,439
Speaker 2: what's going on, like, yeah, there are a lot of

541
00:25:37,480 --> 00:25:40,480
Speaker 2: employees taking the absolute mickey, like they are doing the

542
00:25:40,480 --> 00:25:42,720
Speaker 2: bare minimum to do their job. And I think that

543
00:25:42,720 --> 00:25:46,120
Speaker 2: that is hard because it reflects badly on other people

544
00:25:46,240 --> 00:25:48,960
Speaker 2: who are super productive at work from home, and it

545
00:25:49,040 --> 00:25:51,120
Speaker 2: kind of like spoils it for the rest of us.

546
00:25:51,440 --> 00:25:54,000
Speaker 2: Don't get me wrong, we're acknowledging that people do take

547
00:25:54,000 --> 00:25:56,159
Speaker 2: the mickey. I mean, how many TikTok videos have you

548
00:25:56,200 --> 00:25:58,119
Speaker 2: guys seen? Probably not you, George, because you're never on

549
00:25:58,160 --> 00:26:02,000
Speaker 2: social but people setting up those mouse mover things so

550
00:26:02,080 --> 00:26:03,960
Speaker 2: they always look like, do you.

551
00:26:03,960 --> 00:26:04,360
Speaker 1: Know what I mean?

552
00:26:04,600 --> 00:26:08,119
Speaker 4: I don't have the time to do that best.

553
00:26:07,680 --> 00:26:09,720
Speaker 2: But they set up these mouse mover things to move

554
00:26:09,760 --> 00:26:12,159
Speaker 2: their mouse around so that they always look present on

555
00:26:12,240 --> 00:26:15,360
Speaker 2: Slack or on like Microsoft Teams Aware, so you don't

556
00:26:15,400 --> 00:26:18,000
Speaker 2: look like you're away from your desk. And that's either

557
00:26:18,160 --> 00:26:20,960
Speaker 2: super toxic because you should be taking breaks, or you're

558
00:26:21,040 --> 00:26:24,240
Speaker 2: probably slacking a little bit, and that's fine, but that's

559
00:26:24,280 --> 00:26:26,080
Speaker 2: what's spoiling it for the rest of us. And I

560
00:26:26,080 --> 00:26:30,000
Speaker 2: think that's where big businesses actually owe their employees. They're

561
00:26:30,040 --> 00:26:32,919
Speaker 2: not privilege, but the grace of not seeing them as

562
00:26:32,920 --> 00:26:35,680
Speaker 2: a number, you're actually seeing them as Georgia and looking

563
00:26:35,720 --> 00:26:38,800
Speaker 2: at Georgia and going Georgia, how are you working from home?

564
00:26:38,880 --> 00:26:41,560
Speaker 2: How is this working? And then having a really honest

565
00:26:41,600 --> 00:26:45,119
Speaker 2: conversation with you. If you're not that productive, Hey, Georgia,

566
00:26:45,160 --> 00:26:47,399
Speaker 2: you're not producing the same amount of output or the

567
00:26:47,400 --> 00:26:49,960
Speaker 2: output that we would anticipate. How about you come into

568
00:26:50,000 --> 00:26:51,800
Speaker 2: the office and try that out for a while and

569
00:26:51,840 --> 00:26:53,920
Speaker 2: see if that fixes it. Because at the end of

570
00:26:53,920 --> 00:26:56,400
Speaker 2: the day, if then coming into the office doesn't fix

571
00:26:56,520 --> 00:26:59,280
Speaker 2: that output problem, the problem could be with the employee,

572
00:26:59,280 --> 00:27:01,120
Speaker 2: and we actually need talk about whether they're the right

573
00:27:01,160 --> 00:27:04,840
Speaker 2: fit for the role, not necessarily whether they're slacking or not. Like,

574
00:27:05,160 --> 00:27:07,760
Speaker 2: I think it's just really unfair to put blanket rules

575
00:27:07,760 --> 00:27:10,000
Speaker 2: in place in saying that, Like, let's think about cheese

576
00:27:10,000 --> 00:27:12,359
Speaker 2: on the money. Imagine if we had a thousand employees

577
00:27:12,400 --> 00:27:15,320
Speaker 2: and we consistently saw people just slacking, I think you

578
00:27:15,359 --> 00:27:16,920
Speaker 2: and I just had turned around and be like, all right,

579
00:27:16,960 --> 00:27:19,520
Speaker 2: we'll get them into the office, Like that's the easy outcome.

580
00:27:19,920 --> 00:27:22,239
Speaker 2: But that's actually not the kind outcome, is it. Like

581
00:27:22,320 --> 00:27:25,000
Speaker 2: we need to spend the time and the energy and

582
00:27:25,040 --> 00:27:28,320
Speaker 2: the effort to go on an individual basis. Does this work?

583
00:27:28,880 --> 00:27:33,600
Speaker 3: Also? Surely, like it becomes pretty obvious, especially working within teams,

584
00:27:33,680 --> 00:27:36,480
Speaker 3: who's slacking off and who's producing the goods, Like you

585
00:27:36,560 --> 00:27:39,800
Speaker 3: can tell just my last point on this was I

586
00:27:39,840 --> 00:27:42,800
Speaker 3: was talking to a fella, a fella he's a man

587
00:27:43,119 --> 00:27:45,600
Speaker 3: at work the other day and we were talking about

588
00:27:45,640 --> 00:27:48,960
Speaker 3: working from home, and I said, like, to be honest,

589
00:27:49,119 --> 00:27:53,080
Speaker 3: I still feel kind of guilty when I work from home. Yeah,

590
00:27:53,119 --> 00:27:57,040
Speaker 3: And he was like guilty. What I was like, do

591
00:27:57,080 --> 00:28:00,520
Speaker 3: you He's like, absolutely not, have never felt guilty anything.

592
00:28:00,800 --> 00:28:02,680
Speaker 3: But I was like, that's interesting. I wonder if that's

593
00:28:02,680 --> 00:28:06,120
Speaker 3: a female thing to kind of for one hundred percent.

594
00:28:06,320 --> 00:28:10,000
Speaker 2: Yes, my partner Steve works from home. I'd say ninety

595
00:28:10,080 --> 00:28:12,800
Speaker 2: percent of the time. He's got no guilt, Like he

596
00:28:12,960 --> 00:28:16,120
Speaker 2: just turns off and goes does pt or whatever he does.

597
00:28:16,240 --> 00:28:18,960
Speaker 2: He die and keep track of his life. But he

598
00:28:19,040 --> 00:28:22,080
Speaker 2: goes and does his own stuff, whereas I would look at,

599
00:28:22,160 --> 00:28:24,120
Speaker 2: you know, someone like ug and you're like, oh can

600
00:28:24,119 --> 00:28:26,600
Speaker 2: I go Like, yeah, of course you can go. Like

601
00:28:26,680 --> 00:28:29,560
Speaker 2: it just it's an interesting conundrum that you find yourself in.

602
00:28:29,800 --> 00:28:32,240
Speaker 2: But like, even just reflecting on my experience, I'm a

603
00:28:32,240 --> 00:28:35,920
Speaker 2: business owner. My partner Steve is an employee. He worked

604
00:28:36,000 --> 00:28:38,320
Speaker 2: way more hours because he's just at home. There's no

605
00:28:38,320 --> 00:28:41,000
Speaker 2: commute time, Like he wakes up in the morning. We'd

606
00:28:41,000 --> 00:28:43,440
Speaker 2: go through our walk with Lucy, get our coffee and

607
00:28:43,480 --> 00:28:45,360
Speaker 2: then go home and he'd be like, oh, yes, it's

608
00:28:45,400 --> 00:28:48,240
Speaker 2: like seven forty five, got nothing better to do, jumps

609
00:28:48,240 --> 00:28:50,800
Speaker 2: on the computer and starts work then, like they never

610
00:28:50,840 --> 00:28:53,400
Speaker 2: got that from him before because he would time his

611
00:28:53,480 --> 00:28:55,840
Speaker 2: commute to make sure that he was at work on time, right,

612
00:28:55,880 --> 00:28:58,920
Speaker 2: and like you're being quote on time, but it's just convenient, right.

613
00:28:59,280 --> 00:28:59,400
Speaker 3: Well.

614
00:28:59,400 --> 00:29:01,920
Speaker 4: I think people more likely to be flexible when they're

615
00:29:01,920 --> 00:29:04,600
Speaker 4: offered flexibility in return, like if you're absolutely right, Like

616
00:29:04,640 --> 00:29:06,960
Speaker 4: if I'm working on something and it's five thirty, I'm

617
00:29:06,960 --> 00:29:08,840
Speaker 4: not just going to be like, oh well, time to

618
00:29:09,160 --> 00:29:11,480
Speaker 4: see you later, like clock off, shut the laptop, like

619
00:29:11,520 --> 00:29:13,479
Speaker 4: I'll finish what I'm doing because I go, oh, well,

620
00:29:13,480 --> 00:29:14,680
Speaker 4: I don't have to spend an hour and a half

621
00:29:14,680 --> 00:29:16,560
Speaker 4: in the car and the traffic going home, Like it's

622
00:29:16,600 --> 00:29:18,600
Speaker 4: so much easier to just finish what I'm doing. And

623
00:29:18,640 --> 00:29:20,320
Speaker 4: I would argue that a lot of people are the same.

624
00:29:20,560 --> 00:29:22,160
Speaker 2: I feel like a lot of people listening to this

625
00:29:22,200 --> 00:29:24,080
Speaker 2: are going to really resonate and go, oh, I feel

626
00:29:24,120 --> 00:29:27,280
Speaker 2: really guilty too, like drop that, like you are still

627
00:29:27,320 --> 00:29:30,960
Speaker 2: dedicating your time, energy and effort to that company. And

628
00:29:31,000 --> 00:29:33,000
Speaker 2: I find it like you said before Jess like, ah,

629
00:29:33,080 --> 00:29:34,920
Speaker 2: I don't see the clock and see five point thirty

630
00:29:34,920 --> 00:29:37,080
Speaker 2: and get up immediately be like woll we're done here,

631
00:29:37,400 --> 00:29:40,480
Speaker 2: Like you finish it off right, But on other occasions

632
00:29:40,480 --> 00:29:42,280
Speaker 2: you might be like, oh, it's five past five, Like

633
00:29:42,320 --> 00:29:44,000
Speaker 2: do I start another task that's going to take me

634
00:29:44,000 --> 00:29:45,800
Speaker 2: two hours? Or you know, I've had a bit of

635
00:29:45,840 --> 00:29:47,560
Speaker 2: a day. I'm just going to call it here and

636
00:29:47,960 --> 00:29:49,840
Speaker 2: flick through my inbox and make sure that I'm on

637
00:29:49,960 --> 00:29:52,920
Speaker 2: cross everything and maybe not use that as productively because

638
00:29:52,920 --> 00:29:56,320
Speaker 2: I think that productivity comes in ebbs and flows, and

639
00:29:56,360 --> 00:29:58,600
Speaker 2: I'm a very big believer, like es, I've said this

640
00:29:58,640 --> 00:30:01,000
Speaker 2: in the office so many times. I remember one of

641
00:30:01,040 --> 00:30:03,360
Speaker 2: our team were like, oh, my bad ache just takes

642
00:30:03,360 --> 00:30:06,000
Speaker 2: a battle. I was like, go home, Like, literally, I

643
00:30:06,040 --> 00:30:08,680
Speaker 2: am not saying this because I'm thinking that you're a silk.

644
00:30:08,720 --> 00:30:11,240
Speaker 2: I'm not saying this for any other reason. Then you're

645
00:30:11,240 --> 00:30:13,320
Speaker 2: not gonna be productive. You're gonna sit at your desk.

646
00:30:13,320 --> 00:30:15,720
Speaker 2: You're gonna stare at your screen and feel really bad

647
00:30:15,800 --> 00:30:18,360
Speaker 2: about the fact that you're not being productive. You might

648
00:30:18,360 --> 00:30:21,480
Speaker 2: have been present, but present doesn't equal productive. Go home, like,

649
00:30:21,560 --> 00:30:23,400
Speaker 2: don't even bother with sick leave. I know you'll make

650
00:30:23,440 --> 00:30:25,680
Speaker 2: it up later, like it is what it is. And

651
00:30:25,720 --> 00:30:28,400
Speaker 2: I feel like my team are very respectful of that,

652
00:30:28,920 --> 00:30:31,440
Speaker 2: and I'm gonna be honest. I feel like the more

653
00:30:31,480 --> 00:30:34,720
Speaker 2: freedom I give you guys, yeah, yeah, the more respect

654
00:30:34,920 --> 00:30:37,280
Speaker 2: comes back, the more time and energy and effort you

655
00:30:37,320 --> 00:30:40,200
Speaker 2: guys actually put into your role. And I've had to

656
00:30:40,280 --> 00:30:43,080
Speaker 2: literally get on Slack and be like, Jessica, it is

657
00:30:43,160 --> 00:30:45,400
Speaker 2: eight thirty pm, y you're online and just be like, oh,

658
00:30:45,400 --> 00:30:47,640
Speaker 2: I'm just flicking through your book stuff and having a look.

659
00:30:47,680 --> 00:30:50,480
Speaker 2: I'm just really interested. Just got sent through and I'll

660
00:30:50,520 --> 00:30:53,800
Speaker 2: be like, yes, go to bed, go do something else.

661
00:30:53,920 --> 00:30:56,719
Speaker 2: And you know, I think that's a very nice problem

662
00:30:56,760 --> 00:30:58,960
Speaker 2: to have, what your team are very committed. I also

663
00:30:59,000 --> 00:31:01,600
Speaker 2: think it's an employer's responsibility to make sure that they're

664
00:31:01,600 --> 00:31:04,400
Speaker 2: not abusing that circumstance where jess is working late, Like

665
00:31:04,440 --> 00:31:06,480
Speaker 2: we need to call that out too and be like, yes,

666
00:31:06,920 --> 00:31:09,160
Speaker 2: what are you doing unless we're both working to a

667
00:31:09,160 --> 00:31:11,200
Speaker 2: tight deadline and I'm like, oh, take a day, lou

668
00:31:11,320 --> 00:31:13,360
Speaker 2: or whatever it is, because we work to midnight to

669
00:31:13,360 --> 00:31:15,320
Speaker 2: get this done. Like, I just have a lot of

670
00:31:15,360 --> 00:31:19,280
Speaker 2: thoughts on this, and I just think that currently that's unacceptable, good.

671
00:31:19,160 --> 00:31:22,120
Speaker 3: Chat ladies when so many places I loved them all.

672
00:31:22,560 --> 00:31:25,160
Speaker 2: So Katie and Rhythm the Dodgy Bosses like it us

673
00:31:25,200 --> 00:31:26,040
Speaker 2: a lot guilt.

674
00:31:26,120 --> 00:31:28,480
Speaker 3: We really covered it all. But shall we have a

675
00:31:28,520 --> 00:31:29,800
Speaker 3: little listen to a money dilemma?

676
00:31:29,880 --> 00:31:34,680
Speaker 2: Well, love a money dilemma? Let's go, Hi there, have you.

677
00:31:34,640 --> 00:31:37,240
Speaker 3: Got a money dilemma you just can't solve that. She's

678
00:31:37,240 --> 00:31:39,720
Speaker 3: on the Money Team is here to help. Every week

679
00:31:39,800 --> 00:31:42,360
Speaker 3: we tackle your dilemmas, both big and small, to answer

680
00:31:42,440 --> 00:31:46,520
Speaker 3: your most burning money, career and life questions. To get involved,

681
00:31:46,600 --> 00:31:48,560
Speaker 3: simply head to our website and leave us a quick

682
00:31:48,600 --> 00:31:51,600
Speaker 3: voice recording and you may just find yourself on the show. Now,

683
00:31:51,680 --> 00:31:53,719
Speaker 3: let's take a listen to today's money dilemma.

684
00:31:55,280 --> 00:31:57,840
Speaker 5: Hey, She's on the Money Team. I was just hoping

685
00:31:57,880 --> 00:32:00,520
Speaker 5: to get some tips and tricks on how to celebrate

686
00:32:00,560 --> 00:32:04,280
Speaker 5: the little wins and how far you've actually come throughout

687
00:32:04,280 --> 00:32:07,800
Speaker 5: the year, even if it's not reflected in your savings account.

688
00:32:08,040 --> 00:32:10,080
Speaker 5: I know, coming up to the end of financial year,

689
00:32:10,960 --> 00:32:14,080
Speaker 5: I see a huge number that's come through my account

690
00:32:14,720 --> 00:32:18,920
Speaker 5: and I really struggle to see where I've spent that money.

691
00:32:18,960 --> 00:32:22,760
Speaker 5: I struggle to celebrate the little wins. I know I've

692
00:32:22,800 --> 00:32:27,440
Speaker 5: paid debt, I know I live alone, but just because

693
00:32:27,440 --> 00:32:29,480
Speaker 5: that number is not in my savings account, it really

694
00:32:29,480 --> 00:32:32,640
Speaker 5: gets me down. So I was hoping that you guys

695
00:32:32,680 --> 00:32:35,280
Speaker 5: could share anything that you have for me.

696
00:32:35,400 --> 00:32:36,160
Speaker 2: That would be great.

697
00:32:36,560 --> 00:32:36,959
Speaker 5: Thank you.

698
00:32:37,400 --> 00:32:41,680
Speaker 2: Oh, this is a really wholesome one. Georgia King and

699
00:32:41,840 --> 00:32:44,840
Speaker 2: Jose Garci. How do you guys celebrate the small wins?

700
00:32:45,880 --> 00:32:50,200
Speaker 3: It's a good question. Firstly, I would say that I

701
00:32:50,280 --> 00:32:53,560
Speaker 3: really resonate with her saying, seeing that like lump some

702
00:32:53,760 --> 00:32:56,920
Speaker 3: coming through when you get your tax back, oh depressed

703
00:32:56,920 --> 00:32:59,920
Speaker 3: something where that's not in my savings account. What advice

704
00:33:00,000 --> 00:33:02,440
Speaker 3: I spent it on? But you forget that life is expensive.

705
00:33:02,760 --> 00:33:04,880
Speaker 3: You got rent, she was paying off her debts, as

706
00:33:04,880 --> 00:33:07,320
Speaker 3: she said, But life, as we've been speaking about on

707
00:33:07,360 --> 00:33:10,320
Speaker 3: the pod for the last few weeks slash months, life

708
00:33:10,360 --> 00:33:12,480
Speaker 3: is so expensive at the moment. So don't beat yourself

709
00:33:12,560 --> 00:33:16,200
Speaker 3: up about that. But in terms of celebrating the small wins,

710
00:33:16,880 --> 00:33:19,200
Speaker 3: I mean I'd be partial every now and then to

711
00:33:19,280 --> 00:33:24,080
Speaker 3: a little little fashion purchase. Yeah ridiculous, but you know,

712
00:33:24,240 --> 00:33:27,440
Speaker 3: maybe a couple of hunch every couple of months. That

713
00:33:27,520 --> 00:33:32,480
Speaker 3: is under estimation, probably what I am spending to talk

714
00:33:32,520 --> 00:33:36,000
Speaker 3: about it just I think it is important to allocate

715
00:33:36,040 --> 00:33:37,520
Speaker 3: that money, as I think I said last week on

716
00:33:37,560 --> 00:33:40,760
Speaker 3: the podcast, so that you don't feel guilty when you

717
00:33:40,840 --> 00:33:44,400
Speaker 3: are spending super important but beyond that, just little things

718
00:33:44,440 --> 00:33:48,760
Speaker 3: like going for cute walks, running bars to say, I mean,

719
00:33:48,760 --> 00:33:50,760
Speaker 3: I have a buth most nights, so maybe that's not

720
00:33:50,800 --> 00:33:52,720
Speaker 3: a good example. I actually don't.

721
00:33:52,480 --> 00:33:53,000
Speaker 4: Really have.

722
00:33:54,520 --> 00:33:57,560
Speaker 3: I know, what a horrible girl. Jarek, what do you

723
00:33:57,600 --> 00:33:58,760
Speaker 3: do to celebrate the small wins?

724
00:33:58,760 --> 00:34:00,920
Speaker 4: I was going to kind of agree with you, I

725
00:34:00,960 --> 00:34:04,600
Speaker 4: personally don't really celebrate this mornings, and not in a

726
00:34:04,680 --> 00:34:06,440
Speaker 4: oh like put me out. I don't celebrate like it's

727
00:34:06,560 --> 00:34:10,160
Speaker 4: just not something that I need to do, Like I'm

728
00:34:10,360 --> 00:34:13,799
Speaker 4: very goal driven. Like I'm very task driven, and for me,

729
00:34:13,880 --> 00:34:17,440
Speaker 4: the satisfaction is in seeing my progress.

730
00:34:17,000 --> 00:34:18,359
Speaker 2: And that's what makes me feel good.

731
00:34:18,560 --> 00:34:18,799
Speaker 1: Yep.

732
00:34:19,120 --> 00:34:21,000
Speaker 4: Not to say that wanting to celebrate is a bad

733
00:34:21,000 --> 00:34:22,759
Speaker 4: thing at all. I think it's a great thing. I

734
00:34:22,800 --> 00:34:25,239
Speaker 4: would say, yeah, like a little treat yourself moment, Like,

735
00:34:25,280 --> 00:34:27,920
Speaker 4: particularly if we're talking finances and you've been working towards

736
00:34:27,960 --> 00:34:30,720
Speaker 4: a financial goal. I think if you've been paying fifty

737
00:34:30,719 --> 00:34:32,919
Speaker 4: dollars a week off of your debt and you've paid

738
00:34:32,920 --> 00:34:35,400
Speaker 4: off your debt, I would give yourself another week or

739
00:34:35,440 --> 00:34:37,920
Speaker 4: two weeks to still save that same fifty dollars and

740
00:34:37,960 --> 00:34:40,560
Speaker 4: then by yourself a little something something, you know. I

741
00:34:40,600 --> 00:34:44,360
Speaker 4: think definitely treating yourself, particularly if you've been doing something

742
00:34:44,360 --> 00:34:46,880
Speaker 4: where you've been a little bit more restrictive, is a

743
00:34:46,920 --> 00:34:50,120
Speaker 4: great thing. Or putting it towards a bigger purchase, you know,

744
00:34:50,200 --> 00:34:52,799
Speaker 4: like saving towards a holiday or saving towards something like that.

745
00:34:53,200 --> 00:34:54,840
Speaker 4: But it's really hard because I think it is a

746
00:34:55,000 --> 00:34:58,840
Speaker 4: very personal thing. And yeah, for me, I'm not a

747
00:34:58,840 --> 00:35:02,960
Speaker 4: big celebrator because the joy is in the progression that

748
00:35:03,000 --> 00:35:05,360
Speaker 4: you make. And I totally get, as you said, the

749
00:35:06,120 --> 00:35:07,720
Speaker 4: disappointment when you go, oh.

750
00:35:07,560 --> 00:35:10,000
Speaker 3: My god, fifty thousand dollars.

751
00:35:09,880 --> 00:35:10,759
Speaker 2: Has just disappeared.

752
00:35:10,760 --> 00:35:13,920
Speaker 4: Where do you go? And I think that is really

753
00:35:14,480 --> 00:35:17,400
Speaker 4: about recognizing that it went on something, and if you

754
00:35:17,440 --> 00:35:19,760
Speaker 4: have a good budget and cash flow system in place,

755
00:35:19,800 --> 00:35:22,239
Speaker 4: you should actually know where that went. Like I can say, hey,

756
00:35:22,320 --> 00:35:24,120
Speaker 4: I know that I've spent twelve thousand dollars in rent

757
00:35:24,120 --> 00:35:25,520
Speaker 4: this year, Like that's.

758
00:35:25,440 --> 00:35:28,520
Speaker 3: Just the real that's between me and a partner, not

759
00:35:28,760 --> 00:35:29,000
Speaker 3: just me.

760
00:35:29,160 --> 00:35:32,040
Speaker 2: But you know that's pretty good though, Yeah, that's pretty

761
00:35:32,080 --> 00:35:32,520
Speaker 2: good rent.

762
00:35:32,640 --> 00:35:35,320
Speaker 4: Yeah, and it's kind of like you go, okay, I

763
00:35:35,360 --> 00:35:37,279
Speaker 4: should kind of if I break it down and think

764
00:35:37,320 --> 00:35:38,120
Speaker 4: about it, be able to go.

765
00:35:38,200 --> 00:35:38,439
Speaker 3: Oh.

766
00:35:38,480 --> 00:35:39,160
Speaker 2: A lot of that went to.

767
00:35:39,120 --> 00:35:41,400
Speaker 4: Food because food got expensive, or electricity because I've been

768
00:35:41,440 --> 00:35:43,680
Speaker 4: working from home. So just don't feel realty, like, you know,

769
00:35:43,920 --> 00:35:45,640
Speaker 4: as long as you have that good system in place,

770
00:35:45,680 --> 00:35:47,359
Speaker 4: you should be on top of it and hopefully you

771
00:35:47,400 --> 00:35:49,560
Speaker 4: know what you're doing and you know, have faith in

772
00:35:49,680 --> 00:35:51,640
Speaker 4: what past you has done and what future you will do.

773
00:35:51,800 --> 00:35:51,960
Speaker 5: Yeah.

774
00:35:52,000 --> 00:35:55,719
Speaker 2: I really like that. I think from my perspective, I

775
00:35:55,960 --> 00:35:58,480
Speaker 2: had a turning point, maybe like you were with me

776
00:35:58,560 --> 00:36:00,759
Speaker 2: when I had this. It was like twelve months ago,

777
00:36:00,920 --> 00:36:03,040
Speaker 2: and I was like, this is a joke. We celebrate

778
00:36:03,200 --> 00:36:05,960
Speaker 2: nothing because I'm like, okay, onto the next thing, Like

779
00:36:06,200 --> 00:36:09,080
Speaker 2: we need to move on to this. And to be honest, yes,

780
00:36:09,239 --> 00:36:11,680
Speaker 2: let's acknowledge that I was achieving some pretty big things,

781
00:36:11,719 --> 00:36:13,920
Speaker 2: like I did my book and we you know, had

782
00:36:13,920 --> 00:36:16,200
Speaker 2: the podcast, and there were like lots of quote big

783
00:36:16,239 --> 00:36:19,680
Speaker 2: things happening. But I was so focused on the long

784
00:36:19,840 --> 00:36:23,200
Speaker 2: term that I wasn't celebrating the little things along the way.

785
00:36:23,680 --> 00:36:25,680
Speaker 2: And when I reflected on it, I was like, well,

786
00:36:25,719 --> 00:36:28,640
Speaker 2: what memories am I making and what are the things

787
00:36:28,680 --> 00:36:31,640
Speaker 2: that actually made this beautiful? And it wasn't you know,

788
00:36:31,719 --> 00:36:34,400
Speaker 2: achieving an award please don't get me wrong, super grateful

789
00:36:34,440 --> 00:36:37,000
Speaker 2: for it, but that wasn't the big thing. It was

790
00:36:37,040 --> 00:36:39,799
Speaker 2: like the journey along the way, and like us celebrating

791
00:36:39,800 --> 00:36:43,040
Speaker 2: the small successes with this second book right I'm writing

792
00:36:43,080 --> 00:36:46,040
Speaker 2: it and now Jess our team are really celebrating, like

793
00:36:46,080 --> 00:36:48,239
Speaker 2: the final draft going in and like we as the

794
00:36:48,320 --> 00:36:50,359
Speaker 2: she's on the money team. It's probably driven far more

795
00:36:50,360 --> 00:36:52,680
Speaker 2: by me because Jess, you're always like, yeah, okay, no problems,

796
00:36:52,680 --> 00:36:54,400
Speaker 2: like you don't seem to mind. But I feel like

797
00:36:54,600 --> 00:36:56,239
Speaker 2: then when we look back, we're like, oh, we did

798
00:36:56,280 --> 00:36:58,719
Speaker 2: go out for a nice lunch or we did do this,

799
00:36:58,800 --> 00:37:00,520
Speaker 2: and we did do that. And it's kind of for

800
00:37:00,640 --> 00:37:03,280
Speaker 2: me about I want to look back on my life

801
00:37:03,280 --> 00:37:05,719
Speaker 2: and go I had a really fun journey, Like it

802
00:37:05,760 --> 00:37:09,120
Speaker 2: wasn't always about the really big things. We obviously should

803
00:37:09,160 --> 00:37:12,320
Speaker 2: be celebrating those two, but I think it's about the journey,

804
00:37:12,400 --> 00:37:15,200
Speaker 2: like breaking down your big goals into smaller ones to

805
00:37:15,239 --> 00:37:17,560
Speaker 2: celebrate them, even if it's like a walk and a coffee.

806
00:37:17,800 --> 00:37:21,200
Speaker 2: And I think it's a lot from my perspective about mindset.

807
00:37:21,560 --> 00:37:24,560
Speaker 2: It's not necessarily about you know, achieving the thing and

808
00:37:24,600 --> 00:37:27,919
Speaker 2: celebrating it because we all have very different what would

809
00:37:27,960 --> 00:37:30,360
Speaker 2: you call it, like love languages in terms of the

810
00:37:30,360 --> 00:37:32,880
Speaker 2: way that you like to celebrate g and you like

811
00:37:32,960 --> 00:37:35,520
Speaker 2: to celebrate Jess and I like to celebrate like those

812
00:37:35,560 --> 00:37:39,160
Speaker 2: things and our preferences are all very different, and obviously

813
00:37:39,239 --> 00:37:41,359
Speaker 2: we want to be respectful of that. However, I think

814
00:37:41,400 --> 00:37:43,480
Speaker 2: really breaking it down and going like, oh, what kind

815
00:37:43,520 --> 00:37:45,840
Speaker 2: of memories do I really want to reflect on? And

816
00:37:46,080 --> 00:37:47,840
Speaker 2: if I got out of debt and Jess, you've spoken

817
00:37:47,840 --> 00:37:49,960
Speaker 2: about it on the podcast before where you got out

818
00:37:49,960 --> 00:37:52,560
Speaker 2: of debt and you're like really anti climactic, like you

819
00:37:52,800 --> 00:37:56,920
Speaker 2: hate it off and you're like, cool, that's nice, Like

820
00:37:57,360 --> 00:37:59,560
Speaker 2: is there something you would have done differently there to

821
00:37:59,600 --> 00:38:02,719
Speaker 2: celebrate that or is that just the experience that you're like, Oh,

822
00:38:02,800 --> 00:38:04,680
Speaker 2: it just wasn't as exciting as I thought it would be.

823
00:38:04,800 --> 00:38:06,360
Speaker 4: I think for me again, the joy was kind of

824
00:38:06,440 --> 00:38:08,560
Speaker 4: in going, oh, like I've paid down the debt, Like

825
00:38:08,640 --> 00:38:12,600
Speaker 4: I yeah, Like I don't need to have something material

826
00:38:12,680 --> 00:38:16,640
Speaker 4: or an experience for me personally to enjoy that moment,

827
00:38:16,719 --> 00:38:20,120
Speaker 4: Like it was anti climactic, but I think not because

828
00:38:20,160 --> 00:38:22,200
Speaker 4: I didn't celebrate it. I think it was just because

829
00:38:22,400 --> 00:38:24,399
Speaker 4: it had been such a big goal and I got there.

830
00:38:24,560 --> 00:38:27,759
Speaker 4: I was like, yeah, exactly right. But no, like, I

831
00:38:27,960 --> 00:38:29,759
Speaker 4: do look back on that moment with a lot of

832
00:38:29,920 --> 00:38:32,240
Speaker 4: happiness because it was something that I had been working

833
00:38:32,280 --> 00:38:35,959
Speaker 4: towards and that's where my passion and joy comes from.

834
00:38:36,239 --> 00:38:38,120
Speaker 4: But there are some people that you're right, like, they

835
00:38:38,120 --> 00:38:39,759
Speaker 4: want to go out to a dinner, or they want

836
00:38:39,800 --> 00:38:42,080
Speaker 4: to buy themselves a little piece of jewelry, and no

837
00:38:42,120 --> 00:38:44,040
Speaker 4: matter what it is that does it for you that

838
00:38:44,200 --> 00:38:46,480
Speaker 4: is so great, I think it's maybe just taking some

839
00:38:46,600 --> 00:38:50,160
Speaker 4: time to figure out how you personally like to celebrate

840
00:38:50,440 --> 00:38:52,800
Speaker 4: and then giving yourself permission to do that for those

841
00:38:52,880 --> 00:38:54,799
Speaker 4: small winds, not just the big ones.

842
00:38:55,080 --> 00:38:57,160
Speaker 3: So that'll keep you on track for your next goal,

843
00:38:57,239 --> 00:38:57,760
Speaker 3: right exactly.

844
00:38:58,560 --> 00:39:00,440
Speaker 2: And it sounds a little bit fluffy, right, but I

845
00:39:00,480 --> 00:39:02,520
Speaker 2: do think it goes back to things like love, languages

846
00:39:02,560 --> 00:39:06,120
Speaker 2: and really understanding yourself. And I know what makes me

847
00:39:06,200 --> 00:39:09,560
Speaker 2: really happy, and I would be so excited if I

848
00:39:09,600 --> 00:39:11,279
Speaker 2: was like, hey, jes, I just achieved this thing. Do

849
00:39:11,280 --> 00:39:12,960
Speaker 2: you want to go for a walk and grab a coffee?

850
00:39:13,280 --> 00:39:16,600
Speaker 2: It's mindset, it's actually going, oh, I'd love to share

851
00:39:16,680 --> 00:39:19,600
Speaker 2: this with my friend as opposed to, you know, a

852
00:39:19,640 --> 00:39:21,319
Speaker 2: big thing, because you could give me a big thing.

853
00:39:21,360 --> 00:39:23,520
Speaker 2: And this is going to sound really awful, but like

854
00:39:23,640 --> 00:39:26,560
Speaker 2: I'll just go yeah, okay, cool, like that's nice unless

855
00:39:26,640 --> 00:39:29,799
Speaker 2: I have some kind of achievement associated with a big

856
00:39:29,840 --> 00:39:33,000
Speaker 2: ticket purchase. And this is where you know, historically I've

857
00:39:33,000 --> 00:39:35,960
Speaker 2: spoken on my Instagram account. I have bought myself pieces

858
00:39:36,000 --> 00:39:39,040
Speaker 2: of jewelry before. I couldn't like, don't give me a

859
00:39:39,080 --> 00:39:41,759
Speaker 2: really expensive piece of jewelry without any meaning behind it.

860
00:39:41,760 --> 00:39:44,440
Speaker 2: It means nothing to me. But I bought myself my

861
00:39:44,560 --> 00:39:46,840
Speaker 2: very first pair of pearl earrings. When I got my

862
00:39:46,920 --> 00:39:49,960
Speaker 2: first full time job and I had my very first paycheck,

863
00:39:50,000 --> 00:39:52,160
Speaker 2: I was like, oh, this is big girl purchase. Like

864
00:39:52,480 --> 00:39:55,880
Speaker 2: to me that was important. To other people, you'd be like, well,

865
00:39:55,920 --> 00:39:57,120
Speaker 2: the hell Victoria like that?

866
00:39:57,560 --> 00:39:57,640
Speaker 5: What?

867
00:39:57,840 --> 00:39:59,799
Speaker 2: No, I want to save my first paycheck and let's

868
00:39:59,800 --> 00:40:04,080
Speaker 2: be current Victoria wouldn't do what past Victoria did. But

869
00:40:04,680 --> 00:40:06,680
Speaker 2: these are things that made me really happy. So I

870
00:40:06,719 --> 00:40:08,640
Speaker 2: think you're right, Jess. Just break it down, work out

871
00:40:08,640 --> 00:40:10,680
Speaker 2: what you want and how you want to celebrate it.

872
00:40:10,719 --> 00:40:14,160
Speaker 2: Because my version of celebrating might be your version of hell.

873
00:40:15,440 --> 00:40:18,560
Speaker 3: We're also all super proud of you, dear listener, if

874
00:40:18,560 --> 00:40:20,880
Speaker 3: that helps as well a bit of praise from the girls.

875
00:40:20,920 --> 00:40:22,640
Speaker 3: Congratulations on all you've achieved.

876
00:40:22,719 --> 00:40:26,760
Speaker 2: Go put whatever you've achieved in our money. We pass blood.

877
00:40:26,800 --> 00:40:29,600
Speaker 2: You love reading. We read each and every single one

878
00:40:29,640 --> 00:40:31,600
Speaker 2: of the comments that go in there. Please go and

879
00:40:31,600 --> 00:40:33,800
Speaker 2: pop it there. People put in there they got fifty

880
00:40:33,840 --> 00:40:36,120
Speaker 2: cents off their coffee, all the way through to paying

881
00:40:36,160 --> 00:40:38,279
Speaker 2: off fifty grand worth of personal debt. And I'm here

882
00:40:38,280 --> 00:40:42,319
Speaker 2: for every single one of them, honestly. But guys, we've

883
00:40:42,360 --> 00:40:44,080
Speaker 2: gone on and on. I think that is all we

884
00:40:44,160 --> 00:40:45,160
Speaker 2: have time for today.

885
00:40:45,320 --> 00:40:47,560
Speaker 3: Let's do it the boring but important stuff.

886
00:40:47,560 --> 00:40:47,840
Speaker 2: Guys.

887
00:40:47,840 --> 00:40:50,480
Speaker 3: Please remember the advice shed on She's on the Money

888
00:40:50,520 --> 00:40:54,160
Speaker 3: is general in nature and does not consider your individual circumstances.

889
00:40:54,480 --> 00:40:57,759
Speaker 3: She's on the Money exists purely for educational purposes and

890
00:40:57,800 --> 00:41:00,120
Speaker 3: should not be relied upon to make an investment or

891
00:41:00,160 --> 00:41:03,839
Speaker 3: a financial decision. And we promised. Victoria Devine and She's

892
00:41:03,920 --> 00:41:07,320
Speaker 3: on the Money are authorized representatives of in Focused Securities

893
00:41:07,320 --> 00:41:10,600
Speaker 3: Australia Proprietary Limited a b N four seven zero nine

894
00:41:10,680 --> 00:41:13,279
Speaker 3: seven seven nine seven zero four nine a FOSL two

895
00:41:13,280 --> 00:41:15,799
Speaker 3: three six five two three See you next week, guy.

896
00:41:15,800 --> 00:41:16,120
Speaker 1: Bye.