Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming through.
Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and
Speaker 1: the storytelling of you to make a difference for today
Speaker 1: and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money. She's on the Money.
Speaker 2: Hello, and welcome to She's on the the podcast for
Speaker 2: millennials who want financial freedom. Today, my friends, is Friday,
Speaker 2: which means it is time to sit back with our
Speaker 2: friends with a bev in hand, to unpack our favorite
Speaker 2: moments of the week, and of course, to celebrate you,
Speaker 2: our incredible cheese on the Money community. As always, we're
Speaker 2: going to be sharing our favorite money wins, We're going
Speaker 2: to be discussing what's making news in the finance world,
Speaker 2: and we're going to help answer another one of our
Speaker 2: juicy money questions, which This week is all about celebrating
Speaker 2: this more wins, which we are all about here at
Speaker 2: Cheese on the Money. But first, as always, it is
Speaker 2: time to recap the week that was. Miss Jesse got Chi.
Speaker 2: Can you talk to us about our Monday money diary.
Speaker 4: Yeah.
Speaker 5: So this weeks dirist self described themselves as live in
Speaker 5: LaVita Limbo, which like really just got me for fine
Speaker 5: and a sinker. I was like, oh my god, that's
Speaker 5: ten out of ten for a title.
Speaker 2: It was a tongue twister though, like even when we
Speaker 2: were recording and I was like thinking about it before
Speaker 2: I said it, because I was like, I'm gonna get
Speaker 2: this wrong, and I think I did in that episode
Speaker 2: a few times. But y'all.
Speaker 5: Yeah, So it was a really great way of describing
Speaker 5: something that I think a lot of us can relate to.
Speaker 5: And she was saying that she had kind of hit
Speaker 5: autopilot on her life a little bit. She felt like
Speaker 5: she was doing the same things and not really achieving
Speaker 5: any progress on a few different kind of facets of
Speaker 5: her life. And I think that I really related to
Speaker 5: that because I've definitely experienced that in the past.
Speaker 2: We kind of just feel a bit stuck.
Speaker 5: You're like, oh, like, I can kind of see what
Speaker 5: I should do, but I don't know what I should do.
Speaker 5: And she was feeling this in regards to her finances
Speaker 5: but also her career and her life, and I think
Speaker 5: it really can kind of bleed across. And so it
Speaker 5: was a really good, really relatable chat. I felt like that.
Speaker 5: I think a lot of people will enjoy I.
Speaker 2: Think it was well timed because Jess, you would have
Speaker 2: seen this as well. But there's just lots of messages
Speaker 2: coming in via our Instagram dms or our Facebook dms
Speaker 2: of people being like, I'm feeling a bit stuck or
Speaker 2: I'm having like a quarter life crisis, or what's this
Speaker 2: or what's that? And I feel like when you're going
Speaker 2: through that, you just look at everybody else around you
Speaker 2: and assume they've got their stuff together. Like I would
Speaker 2: look at you, Jess and be like, oh, far out,
Speaker 2: like she's doing so well, she's one of my girlfriends.
Speaker 2: I feel like we never see the behind the scenes
Speaker 2: of that, even though Jess, you might be feeling a
Speaker 2: little bit like you're in limbo. So I think it's
Speaker 2: such a good chat to have because it just puts
Speaker 2: things in perspective that We're never really going through financial
Speaker 2: troubles on our own. There's always someone going through something
Speaker 2: really similar, and that's I guess the beauty of the
Speaker 2: Shehes on the Money community. Georgia King, Hello, Wednesday's deep Dive.
Speaker 2: What did we do and how did we do it?
Speaker 4: We did a big fat Q and a all about insurances.
Speaker 2: That sounds terrible, It was good, my friend.
Speaker 4: So we picked and chose from the community, so we
Speaker 4: were answering your questions and we spoke about everything from
Speaker 4: the insurances tied up in super to income insurance. We
Speaker 4: had so many more questions to get to, but we
Speaker 4: were like, we need to put a pin in it
Speaker 4: because this has been going for like forty minutes, so
Speaker 4: we had to stop ourselves. But it was super interesting
Speaker 4: and there will hopefully be a part two coming later
Speaker 4: on in the year. So if you do have more
Speaker 4: insurance questions, please send them our way and we will
Speaker 4: try and answer them in a later episode.
Speaker 2: Yay, I loved as much as I said, it sounds terrible,
Speaker 2: sounds dry, but I feel like it became a really
Speaker 2: well rounded conversation about insurance and the need for it
Speaker 2: and how it works and what it means because so
Speaker 2: many of us are just confused by it still, so
Speaker 2: there's probably more coming. There's more stuff coming. But Georgia King,
Speaker 2: it is time for you to share some of our
Speaker 2: budget Direct money wins have you got for us?
Speaker 4: We've got some money wins, I've got some money losses.
Speaker 4: I've got some money PSA's ladies.
Speaker 6: So let's start.
Speaker 4: Straight in the first one, it comes from Jane money Win.
Speaker 4: I got to work this morning to be told we're
Speaker 4: all getting a two thousand dollars bonus.
Speaker 2: Say, how good is that, Fia? Do we know what
Speaker 2: it was for? Just just just being nice human?
Speaker 3: Is that thing?
Speaker 4: Oh?
Speaker 2: I mean I've really experienced it. Ah, But I'm going
Speaker 2: to believe our money Direct one hundred percent.
Speaker 4: Well done, Jane. The next win comes from Kimberly money Win.
Speaker 4: I desperately needed a new laptop for Uni Slash work.
Speaker 4: I went to buy the one I've been saving for
Speaker 4: two weeks ago, but I decided to wait until I
Speaker 4: had a little bit more in my savings account. It
Speaker 4: was on sale this week from two thousand dollars down
Speaker 4: to one thousand, three hundred and ninety dollars. That's actually
Speaker 4: so good, massive, Well done, Kimberly. The next thing comes
Speaker 4: from Cat money Win. I'm currently on matt Leaves, so
Speaker 4: decided last week to go through my wardrobe and do
Speaker 4: a cull of the I'll fit into it one day clothes.
Speaker 2: We don't stand for those. They make you feel tax exactly.
Speaker 4: Get rid of them, ladies, And also the items she
Speaker 4: hasn't worn since moving towns almost two years ago. These
Speaker 4: items went up on Facebook marketplace, along with some other
Speaker 4: things we no longer use. I'm now a couple of
Speaker 4: one hundred dollars richer with a clearer wardrobe and house,
Speaker 4: which we love.
Speaker 2: Cat.
Speaker 4: The next one is a loss and it comes from
Speaker 4: Laura Money Loss. Going to Splendor, Oh Splender, splendor in
Speaker 4: the Mud.
Speaker 2: How was that content, ladies? Oh look, I'm not a
Speaker 2: festival gal at the best of time, but I was
Speaker 2: sitting at home or my high horse, watching everyone's TikTok's
Speaker 2: going yack yack yuck.
Speaker 5: All the girly who spent money on cute outfix to
Speaker 5: then ruin them.
Speaker 2: Oh my gosh, Yes, I saw Brook Perry actually at
Speaker 2: Splendor in the Grass or are we calling it Splendor
Speaker 2: in the Mud, And she was wearing a gorgeous. It
Speaker 2: was like a sports girl outfit because she was posting
Speaker 2: it and tagging it. She had these like tall cowboy
Speaker 2: boots that were white. Oh my gosh, they look horrendous.
Speaker 2: I'm like, oh, I hope that's not a brand collaboration
Speaker 2: because they're actually ruined. But it did look like she
Speaker 2: had fun, so.
Speaker 4: I mean, it would have been memorable if nothing else.
Speaker 2: Oh, do you think that they'll get refunds on part
Speaker 2: of their tickets?
Speaker 1: I know.
Speaker 2: Oh, I don't know how it works, because then I
Speaker 2: feel a little bit awkward because there's obviously vendors that
Speaker 2: went they needed to be paid, and like, oh, I
Speaker 2: feel like it's just actually a money loss for us
Speaker 2: individually all around.
Speaker 4: All right, let's move on though, to Courtney money slash Life.
Speaker 4: When I finally got around to getting my will sorted
Speaker 4: so there's less stress for the future, and I also
Speaker 4: did my tax return for the first time without the
Speaker 4: help from an accountant.
Speaker 3: What a queen.
Speaker 4: I saved the fees and I got a healthy return,
Speaker 4: plus I put one hundred percent of it into my
Speaker 4: savings for the first time ever.
Speaker 2: We love it that huge.
Speaker 4: Here's the money loss slash persa ladies. That comes from
Speaker 4: Hailey money loss. I bought two apples on the way
Speaker 4: to Netbull forgetting that we were going to enter a
Speaker 4: fruit fly exclusion zone.
Speaker 3: Just my luck.
Speaker 4: The fruit fly police pulled us over and gave me
Speaker 4: a whopping four hundred fine. This is what happens when
Speaker 4: I make an effort to eat healthily. What is this
Speaker 4: fruit fly exclusion zone situation? Where are we located in
Speaker 4: the world.
Speaker 2: It's borders.
Speaker 5: So if you're driving between the borders of certain states,
Speaker 5: so I think you get cross. I want to say
Speaker 5: up towards Aubrey. That could be very incorrect.
Speaker 2: I feel like when I've driven up to Queensland way
Speaker 2: back in the day, they were like signs and stuff
Speaker 2: that said like fruit fly zone or something, you can't
Speaker 2: have produce.
Speaker 5: It's just stop the contamination of got caught produce going
Speaker 5: from one place together and yeah, if there's I guess
Speaker 5: I didn't know they had people policing.
Speaker 6: Know.
Speaker 5: I thought it was like self police to do the
Speaker 5: right thing type situation. But that's that's rough.
Speaker 3: It's rough.
Speaker 2: It's kind of funny.
Speaker 4: But Hailey, I hope you're okay. Sorry to the loties and.
Speaker 2: Chocolate, right yeah, exactly. That was a really expensive couple
Speaker 2: of apples.
Speaker 4: The next one is a loss, but it made me laugh.
Speaker 4: It comes from ebony money loss. I'm having a baby
Speaker 4: tomorrow whenever. That's what she wrote, and so that was hilarious.
Speaker 4: The baby will be born now.
Speaker 5: Congratulation loss, very exactly, and arguably you've already been spending
Speaker 5: money on it, so it's not tomorrow that that's happening.
Speaker 4: The final win of today comes from angely. It is
Speaker 4: a wholesome, one money win. I purchased the Budgeting and
Speaker 4: cash Flow master Class over the weekend and I finished
Speaker 4: it on the weekend because I'm a crazy person. I
Speaker 4: feel like I've prioritized my values, given every dollar a job,
Speaker 4: and I've created a realistic budget that won't have me
Speaker 4: borrowing money from others, sinking funds or savings, constantly feeling
Speaker 4: it's super.
Speaker 2: Undefeated right now, Oh my gosh, No, I love that.
Speaker 2: And she's probably not listening to this episode because if
Speaker 2: you've done the budget cash Flow Masterclass, guarantee, you're probably
Speaker 2: sick of my voice. Why now, but I might go
Speaker 2: and comment on that. Congratulate her anyway, all right, ge King,
Speaker 2: It has been so good celebrating some of your budget
Speaker 2: direct money wins. Budget Direct winner of can Stars Insurer
Speaker 2: of the Year Award twenty twenty two. Budget Direct Insurance solved.
Speaker 2: And with that, my friends, let's go to a very
Speaker 2: quick break, and after the break, we are going to
Speaker 2: talk juicy money questions and what's going on in the
Speaker 2: media cycle.
Speaker 5: Don't go anywhere, all right, I have one. It's going
Speaker 5: to get the gals rilled up. I can already feel it.
Speaker 5: Show the content piece this week. I want it spicy.
Speaker 5: It is a little bit. I think it feeds into
Speaker 5: a really good broader conversation though. So I want to
Speaker 5: talk about our friend Elon Musk, what a guy. Not
Speaker 5: about Twitter and the absolute model that that whole thing
Speaker 5: has become, but actually about a comment he made recently
Speaker 5: in the media regarding working from home.
Speaker 2: And it wasn't even a comment he made. It was leaked.
Speaker 2: It was a sneaky media.
Speaker 5: Yes, that's right, And it was around the rules that
Speaker 5: are applicable to Tesla employees. He said, everyone at Tesla
Speaker 5: is required to spend a minimum of forty hours in
Speaker 5: the office per week.
Speaker 4: If you don't show up.
Speaker 5: We will assume you have resigned. And he sent that
Speaker 5: out in bulk to his employees. So, I mean, I
Speaker 5: have so many thoughts on this, but I thought it
Speaker 5: fed really interestingly into the broader conversation because a lot
Speaker 5: of workplaces have shifted to a hybrid or a fully
Speaker 5: remote approach, and there is calls from employees who are
Speaker 5: kind of demanding flexibility that has never been tabled as
Speaker 5: an option before. And there's some interesting reports coming out
Speaker 5: from people, particularly women, around the impacts that this may
Speaker 5: have on them and their careers and the expectations of employers.
Speaker 2: And I just thought it could be kind of a.
Speaker 5: Fun chat because the three of us kind of come
Speaker 5: from different perspectives, with an employer, an employee, and a freelancer. So,
Speaker 5: you know, I thinks I have tried so hard not
Speaker 5: to jump in here, but I want to hear your
Speaker 5: thoughts first.
Speaker 2: As an employer, I have thoughts, but I don't think
Speaker 2: I'm that traditional. So Georgia King, how do you feel
Speaker 2: about that?
Speaker 4: I want to fight elan. Look, if I worked at Tesla,
Speaker 4: I would have yeated by now I did. I adore
Speaker 4: working from home. I really enjoyed the hybrid model. I
Speaker 4: love going into work A couple of days a week
Speaker 4: seeing my colleagues, But I love the freedom that working
Speaker 4: from home provides. I find I'm more productive than ever.
Speaker 4: Not having to do the commute is just a life
Speaker 4: change changer, and I think this year has just been
Speaker 4: like I am genuinely so much happier for having this
Speaker 4: hybrid model. And it's different to last year because it's
Speaker 4: not just home one hundred percent of the time, being
Speaker 4: able to go to the office when it's soon too.
Speaker 4: It's really working for me. So yeah, I do not
Speaker 4: agree with Elon at all, but I do understand that businesses,
Speaker 4: you know, we've gotten to this stage in the pandemic
Speaker 4: where it is now up to them to decide what
Speaker 4: they want their employees to do. I don't think he's
Speaker 4: making the right call, but I understand why businesses are
Speaker 4: making these calls, if that makes sense.
Speaker 2: Yeah, I don't. I don't get it, like I just
Speaker 2: I cannot resonate with that at all. I guess having
Speaker 2: come from a very corporate background where people would ask
Speaker 2: and this was when I was employed, not when I
Speaker 2: worked for myself, So please don't think this was my
Speaker 2: team by any stretch of the imagination. But I remember
Speaker 2: people in my team asking for flexible work hours, or
Speaker 2: they'd say, oh, hey, like I'd love to be able
Speaker 2: to drop my kid at daycare, my husband does it
Speaker 2: all the time or whatever. Can I come in at
Speaker 2: like nine point thirty in the mornings, And Like in
Speaker 2: my head, I'm like, yeah, okay, why not? Like that
Speaker 2: makes sense? Like and I feel like off, and especially women,
Speaker 2: And I guess this is what this podcast is like
Speaker 2: predominantly made up of. Is like our teams, women, and
Speaker 2: our community are mostly women. I don't want people to
Speaker 2: assume that that means we're only talking to him anyway,
Speaker 2: going on, I feel like women are far more likely
Speaker 2: to compromise when they're asking for work life balance, Like
Speaker 2: they're more likely to be like, oh, oh, come in
Speaker 2: at nine point thirty because I want to drop my
Speaker 2: kid at daycare, but I won't take a break and
Speaker 2: I'll work an extra hour, Like that's not how it works,
Speaker 2: Like we'men to have flexible work hours, so yeah, make
Speaker 2: it up, Like I think that that's important, but like
Speaker 2: often we're more than likely to offer something else because
Speaker 2: we think we're being some kind of burden by asking that,
Speaker 2: when in reality that's not the case. So we need
Speaker 2: to cut that out. But I remember just being so
Speaker 2: baffled at the executive's decisions. They'd be like, NA, we
Speaker 2: don't offer that because if we offer it to you,
Speaker 2: then other people will expect that. And I was like, okay,
Speaker 2: then other people will expect that. But the confusion, from
Speaker 2: my perspective, comes from I guess productivity and you know,
Speaker 2: let's be honest. If you're a hairdresser, you can't usually
Speaker 2: work from home, Like you can't be like, oh, zoom
Speaker 2: in to my meetings, Like that's not going to work.
Speaker 2: There are some roles where you do have to be
Speaker 2: in person, because you might be a service provider, or
Speaker 2: you might work in retail, or it might be a
Speaker 2: very specific office job that can only be carried out
Speaker 2: in an office because that's where that is. Maybe it's
Speaker 2: paper and pen and it's literally getting people to sign
Speaker 2: things and filing it away. I don't know, but from
Speaker 2: my perspective, with a team that has done really well
Speaker 2: over COVID, I just it baffles me to think that
Speaker 2: we haven't learned from that and people are being so
Speaker 2: arguably cruel to their employers by not respecting that they
Speaker 2: have a life outside of their work. I completely agree.
Speaker 5: I will never in my life work for an employer
Speaker 5: who won't offer flexible work. And I think that the
Speaker 5: pandemic was a catalyst for what was already happening in
Speaker 5: you know, a lot of industries, particularly creative industries, tech
Speaker 5: industries specifically as well, have been really great about offering
Speaker 5: these kinds of perks. I think it really comes down
Speaker 5: to you need to trust your employees to do the
Speaker 5: right thing. You know, you need to trust that they're
Speaker 5: telling you what's best for them. Because some people will
Speaker 5: prefer flexible, some people prefer hybrids. Some people might want
Speaker 5: to be in the office full time because they like
Speaker 5: the you know, really strict delineation of work and home,
Speaker 5: and that's okay. But I think the standard workplace nine
Speaker 5: to five is firstly set up for a subset of
Speaker 5: people that the whole rest of the world is structured for,
Speaker 5: and it's neurotypical middle class people who don't have other responsibilities,
Speaker 5: and typically men, because they didn't traditionally have caregiving responsibilities.
Speaker 5: They didn't traditionally have all those sorts of things. And
Speaker 5: I saw a really interesting article and I can't remember
Speaker 5: where it was or so forgive me, but it said
Speaker 5: that men are more eager to return to the office
Speaker 5: than women because they were finding when they were working
Speaker 5: from home, they were expected to carry a larger portion
Speaker 5: of the home, they have to see their kids more,
Speaker 5: and so I think it has further brought to the forefront,
Speaker 5: you know, the real divide that still exists in stereotypical
Speaker 5: gender roles and stereotypical roles in terms of you know,
Speaker 5: our neurodivergent friends. People have different needs that can be
Speaker 5: better catered to when you have flexible working options, and
Speaker 5: beyond that, just better work life balance. Like I have
Speaker 5: never felt a better sense of balance than when I
Speaker 5: was working four days a week, when I was working
Speaker 5: in a warehouse and I was doing physical labor, and
Speaker 5: I was doing all of these other really exhausting things.
Speaker 5: But it worked really well for me. And I think
Speaker 5: we're going to continue to see industry shifting towards remote
Speaker 5: or flexible, shorter weeks, split weeks, all of these different things.
Speaker 5: And ultimately, I think as an employer, if your business
Speaker 5: has the capability to do so, because as you said,
Speaker 5: surgeons can't really work from home, but if your business
Speaker 5: has the ability to do so, if you're not providing
Speaker 5: those options and putting them on the table, you are
Speaker 5: going to see a significant decline in the quality of
Speaker 5: candidates applying field one hundred percent because people just actually
Speaker 5: aren't going to put up with that anymore. Because for
Speaker 5: too long, I think people have taken and just accepted
Speaker 5: shitty pay, shitty hours, shitty expectations. And now there are
Speaker 5: people like us standing up and saying, hey, like, actually
Speaker 5: that's not good enough and you deserve better. And it's
Speaker 5: becoming almost a movement where people and you know, you
Speaker 5: see the boomers talking about gen zt a lot, saying
Speaker 5: gen zet are lazy, they don't want to do this,
Speaker 5: they don't want to know. They're actually just telling you
Speaker 5: that they're not going to take the shitty expectations that
Speaker 5: you did. And I think that's a great thing.
Speaker 2: Yeah, And I'm so sick of people saying, oh, but
Speaker 2: that's how I cut my teeth in the thing. Just no, no, no,
Speaker 2: this is twenty twenty two. Things are very different. But
Speaker 2: you brought up a really interesting point, and I'm going
Speaker 2: to go off on a tiny tangent, but I think
Speaker 2: it's really relevant, and that's actually about our hormone cycles
Speaker 2: as men versus women. Right, So you said before, Jess
Speaker 2: that the standard work day was created to suit men,
Speaker 2: absolutely correct, because it was established when women were expected
Speaker 2: to be homemakers and never in the office, and it
Speaker 2: worked for them to be nine to five Monday to Friday.
Speaker 2: Like that's how it works, right, But if you compare
Speaker 2: and contrast, and there was a really good episode I
Speaker 2: don't know if it's out yet, but it's on the
Speaker 2: Healthy Shift podcast by our friend Roger, who is in
Speaker 2: the business Bible community and a very very big advocate
Speaker 2: of She's on the money, but he was talking about
Speaker 2: women's circadian rhythms versus men's and none of you are
Speaker 2: going to be surprised. But men, their hormone cycle peaks
Speaker 2: once a day, like they operate best nine to five
Speaker 2: because they wake up they have a massive rush of hormones.
Speaker 2: That's how it works, and then it tapers off during
Speaker 2: the day and then by five pm they're all good
Speaker 2: and ready to come home and ready to relax and
Speaker 2: go to bed and start that cycle again. You compare
Speaker 2: it to a woman and nobody is going to be surprised.
Speaker 2: We work on twenty eight day cycles. You will notice
Speaker 2: in your body that there are better times during the
Speaker 2: week that you perform or at times during your cycle
Speaker 2: that you're really productive, or you might be a little
Speaker 2: bit flat here, or you might feel this. All that
Speaker 2: because our hormones literally work different to men's. And I
Speaker 2: find it so interesting that we've just defaulted to working
Speaker 2: to their standards without really having been looked at us.
Speaker 2: All right, well, how's Jess going to perform best? Jess
Speaker 2: performs best, honest to God, when she's given freedom. Like
Speaker 2: I know that about Jess. We're at office that works
Speaker 2: three days from home, one studio day, one office day,
Speaker 2: and to be honest, that office day exists purely to
Speaker 2: connect with the team. It has nothing to do with,
Speaker 2: oh my gosh, we're more productive. Can we come into
Speaker 2: the office? Can we do? We're not. We are so
Speaker 2: much more productive individually. I have adhd I'm a pest.
Speaker 4: I have not to talk to you.
Speaker 2: I saw a TikTok the other day about people having
Speaker 2: lights on their monitors of like red, don't talk to me,
Speaker 2: Orange only approach me if you ignore respects the light. No, No,
Speaker 2: I've got no respect. Like I would choose color blindness.
Speaker 2: I'd be like, hey, Jess, what's up, like do you
Speaker 2: want to go for another coffee?
Speaker 4: Like that?
Speaker 2: That to me is also really important in an office
Speaker 2: environment or a team environment, right, So I'm not looking
Speaker 2: at it going like, oh, Jess, I want you to
Speaker 2: be in the office. I'm looking at it going like, oh, yes,
Speaker 2: like we have a positive relationship. I'd love to see
Speaker 2: you once a week because I really get a lot
Speaker 2: out of, you know, socializing with my team and getting
Speaker 2: to know them and having those passing conversations of like
Speaker 2: what's going on in your life? Because you know, when
Speaker 2: I jump on zoom with Jess often it's like, oh, Jess,
Speaker 2: all right, ten am, we'll jump on zoom and we'll
Speaker 2: smash ABCD and e out yeah yeah, and then we
Speaker 2: jump on in Jess is like all right, so first
Speaker 2: gender item. We are very business when we're at home,
Speaker 2: because I'm very respectful that, oh, Jess, you've got lunch break,
Speaker 2: like at one o'clock, let's work till one or whatever
Speaker 2: it is. I just think it's it blows my mind
Speaker 2: that other employers don't trust their employees, and I think
Speaker 2: that goes back to their personalities, like looking back at
Speaker 2: previous bosses, looking back at previous people that I've worked with,
Speaker 2: like the type of person that, from my perspective obviously
Speaker 2: very anecdotal, didn't allow how flexible work hours were also
Speaker 2: the type of boss to micromanage you because they genuinely
Speaker 2: didn't trust that you could do your job, whereas I
Speaker 2: would probably sway to the other side and it might
Speaker 2: not be a good thing. But I just go, all right, Jess,
Speaker 2: I really trust you. You let me know when you
Speaker 2: need my help, and I'll check and be like how
Speaker 2: you going. You be like, sweet, Yeah, that's it. I
Speaker 2: think it's just different ways of working. But now people
Speaker 2: are really demanding in a way good leadership, and I'm
Speaker 2: not putting myself on a pedestal going I'm a good leader.
Speaker 2: I'm going. I think people expect this. People expect you
Speaker 2: to be trusting of your talents and trusting of your
Speaker 2: ability to learn. And you know, I'm sorry if I'm
Speaker 2: dominating this conversation. I'm just really passionate about it. But
Speaker 2: I was having a conversation with someone the other day
Speaker 2: and it took all my strength not to jump out
Speaker 2: of the chair and have a very spicy conversation. It
Speaker 2: was in a group of conversations, so I decided I
Speaker 2: didn't want to be that guy. But they said, if
Speaker 2: you want a job, you work from home. If you
Speaker 2: want a career, you work from the office. And Jess,
Speaker 2: I feel like I could light a fire whatever you're
Speaker 2: putting out right.
Speaker 4: Oh my gosh, I yeah.
Speaker 5: And that's kind of where these conversations are going, going
Speaker 5: back to what we were saying earlier about you know,
Speaker 5: women's career and the furtherman of that and that old
Speaker 5: school mentality of well, if you're not putting in the hours,
Speaker 5: if I'm leaving the office at five PM, I clearly
Speaker 5: don't care about my job, because if I cared, I'd
Speaker 5: be here to nine.
Speaker 2: Like it's so.
Speaker 5: Old school, and it's a real shame to see that
Speaker 5: it exists so broadly, because I really didn't think that
Speaker 5: it did. And there's the conversation around, you know, for
Speaker 5: women particularly, we know that we're less likely to be
Speaker 5: put forward for advancement or for you know, for the
Speaker 5: education within the workplace and all those kinds of things,
Speaker 5: and then people are now having conversations around, oh, well,
Speaker 5: if I'm working from home, does that mean that gap
Speaker 5: is going to wide and even further for me as
Speaker 5: a female because now I'm having less touch points that
Speaker 5: maybe my old school boss thinks that are really important,
Speaker 5: and he's going, oh, well, she's not dedicated, she doesn't
Speaker 5: want that next job. I'm going to put timmy in
Speaker 5: because he's here week. And it's about how do we
Speaker 5: avoid that, I guess, But how do we also kind
Speaker 5: of help to shift that mentality because butt in c
Speaker 5: doesn't equal production, productivity or any of the other things
Speaker 5: that are so important to having an employee who is
Speaker 5: great at their job.
Speaker 2: It gives me the ick. It honestly makes me feel yuck.
Speaker 2: And you see on I don't know, I watch a
Speaker 2: lot of TikTok guys. I don't know if we're on
Speaker 2: the same side of TikTok or not, but I see
Speaker 2: a lot of employer content inspirational stuff, and they talk
Speaker 2: about things like, oh my gosh, employees are so much
Speaker 2: more productive in the office. Prove it. Prove to me
Speaker 2: that they are. Like we're saying these things, Can you
Speaker 2: please show me that your employees are more productive in
Speaker 2: the office. Have you done that research? Like, have you
Speaker 2: got statistics to show? And I mean it might be
Speaker 2: very easy in a circumstance where you're a lawyer, and
Speaker 2: you charge every seven minutes, and you can unequivocally go
Speaker 2: to a spreadsheet and say, okay, Jesse is more productive
Speaker 2: in the office. And I think that's a very fair conversation.
Speaker 2: If I could sit down with you, let's use you
Speaker 2: as an example, just and be like, hey, look, look
Speaker 2: here's your productivity when you're in the office versus out
Speaker 2: of the office. See why I might want you in
Speaker 2: the office. And you go, yeah, okay, no problems. However,
Speaker 2: that's not the case in my circumstance, And I think
Speaker 2: that's not the case in a lot of people's circumstances.
Speaker 2: They're just not willing to look at the fact because
Speaker 2: it makes them uncomfortable. People don't like change, people like control,
Speaker 2: and a lot of people who you know are in
Speaker 2: management positions love control. Please don't get me wrong, I
Speaker 2: do too. I'm very controlling of my circumstances. But I
Speaker 2: think you need to see it from both perspectives. I
Speaker 2: know that as a small employer, one of the best
Speaker 2: selling points I have is my ability to be flexible. Like, great,
Speaker 2: you're a working mom, fantastic. Great you want to work
Speaker 2: part time, Great, let's try and make that a job share.
Speaker 2: I'm looking for the right people for my organization, and
Speaker 2: I would hope that they're trying to match with me
Speaker 2: because they're the right people to work with us, and
Speaker 2: I respect that. However, a lot of bigger employers go, oh, well,
Speaker 2: we are a big employer, we have the label, we
Speaker 2: have the name, we can do whatever we want. And
Speaker 2: that just gives me the hick guys.
Speaker 4: Well, that's what I was going to touch on next, fee, Like,
Speaker 4: is there a difference between the way that small businesses
Speaker 4: run and the way bigger businesses run. Perhaps when you have,
Speaker 4: you know, hundreds of employees, it's easier just to slap
Speaker 4: this blanket rule down and so you have to be
Speaker 4: in forty hours a week, otherwise you don't work here anymore.
Speaker 4: Like is that can you kind of empathize.
Speaker 2: With that or is it just look I guess to
Speaker 2: play devil's advocate here during COVID particularly and coming out
Speaker 2: of COVID and talking just in friendship groups and seeing
Speaker 2: what's going on, like, yeah, there are a lot of
Speaker 2: employees taking the absolute mickey, like they are doing the
Speaker 2: bare minimum to do their job. And I think that
Speaker 2: that is hard because it reflects badly on other people
Speaker 2: who are super productive at work from home, and it
Speaker 2: kind of like spoils it for the rest of us.
Speaker 2: Don't get me wrong, we're acknowledging that people do take
Speaker 2: the mickey. I mean, how many TikTok videos have you
Speaker 2: guys seen? Probably not you, George, because you're never on
Speaker 2: social but people setting up those mouse mover things so
Speaker 2: they always look like, do you.
Speaker 1: Know what I mean?
Speaker 5: I don't have the time to do that best.
Speaker 2: But they set up these mouse mover things to move
Speaker 2: their mouse around so that they always look present on
Speaker 2: Slack or on like Microsoft Teams Aware, so you don't
Speaker 2: look like you're away from your desk. And that's either
Speaker 2: super toxic because you should be taking breaks, or you're
Speaker 2: probably slacking a little bit, and that's fine, but that's
Speaker 2: what's spoiling it for the rest of us. And I
Speaker 2: think that's where big businesses actually owe their employees. They're
Speaker 2: not privilege, but the grace of not seeing them as
Speaker 2: a number, you're actually seeing them as Georgia and looking
Speaker 2: at Georgia and going Georgia, how are you working from home?
Speaker 2: How is this working? And then having a really honest
Speaker 2: conversation with you if you're not that productive. Hey, Georgia,
Speaker 2: you're not producing the same amount of output or the
Speaker 2: output that we would anticipate. How about you come into
Speaker 2: the office and try that out for a while and
Speaker 2: see if that fixes it. Because at the end of
Speaker 2: the day, if then coming into the office doesn't fix
Speaker 2: that output problem, the problem could be with the employee,
Speaker 2: and we actually need talk about whether they're the right
Speaker 2: fit for the role, not necessarily whether they're slacking or not. Like,
Speaker 2: I think it's just really unfair to put blanket rules
Speaker 2: in place in saying that, Like, let's think about cheese
Speaker 2: on the money. Imagine if we had a thousand employees
Speaker 2: and we consistently saw people just slacking. I think you
Speaker 2: and I just had turned around and be like, all right,
Speaker 2: we'll get them into the office, Like that's the easy outcome.
Speaker 2: But that's actually not the kind outcome, is it. Like
Speaker 2: we need to spend the time and the energy and
Speaker 2: the effort to go on an individual basis. Does this work? Also?
Speaker 4: Surely, like it becomes pretty obvious, especially working within teams,
Speaker 4: who's slacking off and who's producing the goods, Like you
Speaker 4: can tell. Just my last point on this was I
Speaker 4: was talking to a fella a fella he's a man
Speaker 4: at work the other day and we were talking about
Speaker 4: working from home, and I said, like, to be honest,
Speaker 4: I still feel kind of guilty when I work from home. Yeah,
Speaker 4: And he was like guilty. What I was like, do
Speaker 4: you He's like, absolutely not, have never felt guilty anything.
Speaker 4: But I was like, that's interesting. I wonder if that's
Speaker 4: a female thing to kind of for one hundred percent.
Speaker 2: Yes, my partner Steve works from home. I'd say ninety
Speaker 2: percent of the time. He's got no guilt, Like he
Speaker 2: just turns off and goes, does pt or whatever he does.
Speaker 2: He die and keep track of his life. But he
Speaker 2: goes and does his own stuff, whereas I would look at,
Speaker 2: you know, someone like ug and you're like, oh can
Speaker 2: I go Like, yeah, of course you can go. Like
Speaker 2: it just it's an interesting conundrum that you find yourself in.
Speaker 2: But like, even just reflecting on my experience, I'm a
Speaker 2: business owner. My partner Steve is an employee. He worked
Speaker 2: way more hours because he's just at home. There's no
Speaker 2: commute time. Like he wakes up in the morning, we'd
Speaker 2: go through our walk with Lucy, get our coffee and
Speaker 2: then go home and he'd be like, oh, yes, it's
Speaker 2: like seven forty five, got nothing better to do, jumps
Speaker 2: on the computer and starts work then, Like they never
Speaker 2: got that from him before because he would time his
Speaker 2: commute to make sure that he was at work on time, right,
Speaker 2: and like you're being quote on time, but it's just convenient, right.
Speaker 4: Well.
Speaker 5: I think people more likely to be flexible when they're
Speaker 5: offered flexibility in return, like if you're absolutely right, Like
Speaker 5: if I'm working on something and it's five thirty, I'm
Speaker 5: not just going to be like, oh well, time to
Speaker 5: see you later, like clock off, shut the laptop, like
Speaker 5: I'll finish what I'm doing because I go, oh, well,
Speaker 5: I don't have to spend an hour and a half
Speaker 5: in the car and the traffic going home, Like it's
Speaker 5: so much easier to just finish what I'm doing. And
Speaker 5: I would argue that little lot of people are the same.
Speaker 2: I feel like a lot of people listening to this
Speaker 2: are going to really resonate and go, oh, I feel
Speaker 2: really guilty too, like drop that, like you are still
Speaker 2: dedicating your time, energy and effort to that company. And
Speaker 2: I find it, like you said before, Jess, like ah,
Speaker 2: I don't see the clock and see five point thirty
Speaker 2: and get up immediately be like woll We're done here,
Speaker 2: Like you finish it off right, But on other occasions
Speaker 2: you might be like, oh, it's five past five, Like
Speaker 2: do I start another task that's going to take me
Speaker 2: two hours? Or you know, I've had a bit of
Speaker 2: a day. I'm just going to call it here and
Speaker 2: flick through my inbox and make sure that I'm on
Speaker 2: cross everything and maybe not use that as productively because
Speaker 2: I think that productivity comes in ebbs and flows, and
Speaker 2: I'm a very big believer.
Speaker 1: Like es.
Speaker 2: I've said this in the office so many times. I
Speaker 2: remember one of our team were like, oh, my bad
Speaker 2: ache just takes a battle. I was like, go home,
Speaker 2: Like literally, I am not saying this because I'm thinking
Speaker 2: that you're a silk. I'm not saying this for any
Speaker 2: other reason. Then you're not gonna be productive. You're gonna
Speaker 2: sit at your desk. You'renna stare at your screen and
Speaker 2: feel really bad about the fact that you're not being productive.
Speaker 2: You might have been present, but present doesn't equal productive.
Speaker 2: Go home, like, don't even bother with sick leave. I
Speaker 2: know you'll make it up later. Like it is what
Speaker 2: it is, and I feel like my team are very
Speaker 2: respectful of that. And I'm gonna be honest. I feel
Speaker 2: like the more freedom I give you guys, yeah yeah,
Speaker 2: the more respect comes back, the more time and energy
Speaker 2: and effort you guys actually put into your role. And
Speaker 2: I've had to literally get on Slack and be like, Jessica,
Speaker 2: it is eight thirty pm, y you're online and just
Speaker 2: be like, I'm just flicking through your book stuff and
Speaker 2: having a look. I'm just really interested. Just got sent
Speaker 2: through and I'll be like, yes, go to bed, go
Speaker 2: do something else. And you know, I think that's a
Speaker 2: very nice problem to have, what your team are very committed.
Speaker 2: I also think it's an employer's responsibility to make sure
Speaker 2: that they're not abusing that circumstance where jess is working late,
Speaker 2: Like we need to call that out too and be like, yes,
Speaker 2: what are you doing unless we're both working to a
Speaker 2: tight deadline and I'm like, oh, take a day, lou
Speaker 2: or whatever it is, because we work to midnight to
Speaker 2: get this done. Like, I just have a lot of
Speaker 2: thoughts on this, and I just think that currently that's unacceptable.
Speaker 4: Good Chat ladies, when so many places I loved them all.
Speaker 2: So Katie and Rhythm the Dodgy Bosses like it.
Speaker 4: U was a lot guilt. We really covered it all.
Speaker 4: But shall we have a little listen to a money dilemma?
Speaker 2: Well, love a money dilemma?
Speaker 4: Let's go, Hi there, have you got a money dilemma
Speaker 4: you just can't solve that. She's on the Money Team
Speaker 4: is here to help. Every week we tackle your dilemmas,
Speaker 4: both big and small, to answer your most burning money,
Speaker 4: career and life questions. To get involved, simply head to
Speaker 4: our website and leave us a quick voice recording and
Speaker 4: you may just find yourself on the show. Now, let's
Speaker 4: take a listen to today's money dilemma.
Speaker 6: Hey, She's on the Money Team. I was just hoping
Speaker 6: to get some tips and tricks on how to celebrate
Speaker 6: the little wins and how far you've actually come throughout
Speaker 6: the year, even if it's not reflected in your savings account.
Speaker 6: I know, coming up to the end of financial year,
Speaker 6: I see a huge number that's come through my account
Speaker 6: and I really struggle to see where I've spent that money.
Speaker 6: I struggle to celebrate the little wins. I know I've
Speaker 6: paid debt, I know I live alone. But just because
Speaker 6: that number is not in my savings account, it really
Speaker 6: gets me down. So I was hoping that you guys
Speaker 6: could share anything that you have for me.
Speaker 2: That would be great.
Speaker 6: Thank you.
Speaker 2: Oh, this is a really wholesome one. Georgia King and
Speaker 2: Jose Garci. How do you guys celebrate the small wins?
Speaker 4: It's a good question. Firstly, I would say that I
Speaker 4: really resonate with her saying, seeing that like lump some
Speaker 4: coming through when you get your tax back, oh depressed
Speaker 4: something where that's not in my savings account. What advice
Speaker 4: I spent it on? But you forget that life is expensive.
Speaker 4: You got rent she was paying off her debts, as
Speaker 4: she said, But life, as we've been speaking about on
Speaker 4: the pod for the last few weeks slash months, life
Speaker 4: is so expensive at the moment, So don't beat yourself
Speaker 4: up about that. But in terms of celebrating the small wins,
Speaker 4: I mean i'd be partial every now and then to
Speaker 4: a little little fashion purchase. Yeah ridiculous, but you know,
Speaker 4: maybe a couple of hunch every couple of months. That
Speaker 4: is under estimation of probably what I am spending. To
Speaker 4: talk about it, just I think it is important to
Speaker 4: allocate that money, as I think I said last week
Speaker 4: on the podcast, so that you don't feel guilty when
Speaker 4: you are spending super important but beyond that, just little
Speaker 4: things like going for cute walks, running bars. To say,
Speaker 4: I mean, I have a buth most nights, so maybe
Speaker 4: that's not a good example. I actually don't really have
Speaker 4: I know, what a horrible girl, Jarek, what do you
Speaker 4: do to celebrate the small wins?
Speaker 5: I was going to kind of agree with you, I
Speaker 5: personally don't really celebrate this mornings, and not in a
Speaker 5: oh like put me out. I don't celebrate like it's
Speaker 5: just not something that I need to do, Like I'm
Speaker 5: very goal driven. Like I'm very task driven, and for me,
Speaker 5: the satisfaction is in seeing my progress.
Speaker 2: And that's what makes me feel good.
Speaker 3: Yep.
Speaker 5: Not to say that wanting to celebrate is a bad
Speaker 5: thing at all. I think it's a great thing. I
Speaker 5: would say, yeah, like a little treat yourself moment, Like,
Speaker 5: particularly if we're talking finances and you've been working towards
Speaker 5: a financial goal. I think if you've been paying fifty
Speaker 5: dollars a week off of your debt and you've paid
Speaker 5: off your debt, I would give yourself another week or
Speaker 5: two weeks to still save that same fifty dollars, and
Speaker 5: then by yourself a little something something, you know. I
Speaker 5: think definitely treating yourself, particularly if you've been doing something
Speaker 5: where you've been a little bit more restrictive, is a
Speaker 5: great thing. Or putting it towards a bigger purchase, you know,
Speaker 5: like saving towards a holiday or saving towards something like that.
Speaker 5: But it's really hard because I think it is a
Speaker 5: very personal thing. And yeah, for me, I'm not a
Speaker 5: big celebrator because the joy is in the progression that
Speaker 5: you make. And I totally get, as you said, the
Speaker 5: disappointment when you go, oh.
Speaker 4: My god, fifty thousand dollars has just disappeared.
Speaker 5: Where do you go? And I think that is really
Speaker 5: about recognizing that it went on something, and if you
Speaker 5: have a good budget and cash flow system in place,
Speaker 5: you should actually know where that went. Like I can say, hey,
Speaker 5: I know that I've spent twelve thousand dollars in rent
Speaker 5: this year, Like that's.
Speaker 4: Just the real that's between me and a partner, not
Speaker 4: just me.
Speaker 2: But you know, that's pretty good though, Yeah, that's pretty
Speaker 2: good rent.
Speaker 5: Yeah, And it's kind of like you go, okay, I
Speaker 5: should kind of if I break it down and think
Speaker 5: about it, be able to go.
Speaker 4: Oh.
Speaker 2: A lot of that went to.
Speaker 5: Food because food got expensive, or electricity because I've been
Speaker 5: working from home. So just don't feel realty, Like you know,
Speaker 5: as long as you have that good system in place,
Speaker 5: you should be on top of it and hopefully you
Speaker 5: know what you're doing and you know, have faith in
Speaker 5: what past you has done and what future you will do.
Speaker 6: Yeah.
Speaker 2: I really like that. I think from my perspective, I
Speaker 2: had a turning point, maybe like you were with me
Speaker 2: when I had this. It was like twelve months ago,
Speaker 2: and I was like, this is a joke. We celebrate
Speaker 2: nothing because I'm like, okay, onto the next thing, Like
Speaker 2: we need to move on to this. And to be honest, yes,
Speaker 2: let's acknowledge that I was achieving some pretty big things,
Speaker 2: like I did my book and we you know, had
Speaker 2: the podcast, and there were like lots of quote big
Speaker 2: things happening. But I was so focused on the long
Speaker 2: term that I wasn't celebrating the little things along the way.
Speaker 2: And when I reflected on it, I was like, well,
Speaker 2: what memories am I making and what are the things
Speaker 2: that actually made this beautiful and it wasn't you know,
Speaker 2: achieving an award please don't get me wrong, super grateful
Speaker 2: for it, but that wasn't the big thing. It was
Speaker 2: like the journey along the way, and like us celebrating
Speaker 2: the small successes with this second book right I'm writing
Speaker 2: it and now Jess our team are really celebrating, like
Speaker 2: the final draft going in and like we as the
Speaker 2: she's on the money team. It's probably driven far more
Speaker 2: by me because Jess, you're always like, yeah, okay, no problems,
Speaker 2: like you don't seem to mind. But I feel like
Speaker 2: then when we look back, we're like, oh, we did
Speaker 2: go out for a nice lunch, or we did do this,
Speaker 2: and we did do that. And it's kind of for
Speaker 2: me about I want to look back on my life
Speaker 2: and go I had a really fun journey, Like it
Speaker 2: wasn't always about the really big things. We obviously should
Speaker 2: be celebrating those two, but I think it's about the journey,
Speaker 2: like breaking down your big goals into smaller ones to
Speaker 2: celebrate them, even if it's like a walk and a coffee.
Speaker 2: And I think it's a lot from my perspective about mindset.
Speaker 2: It's not necessarily about, you know, achieving the thing and
Speaker 2: celebrating it because we all have very different what would
Speaker 2: you call it, like love languages in terms of the
Speaker 2: way that you like to celebrate g and you like
Speaker 2: to celebrate Jess and I like to celebrate like those
Speaker 2: things and our preferences are all very different, and obviously
Speaker 2: we want to be respectful of that. However, I think
Speaker 2: really breaking it down and going like, oh, what kind
Speaker 2: of memories do I really want to reflect on? And
Speaker 2: if I got out of debt and Jess, you've spoken
Speaker 2: about it on the podcast before where you got out
Speaker 2: of debt and you're like really anti climactic, like you
Speaker 2: hate it off and you're like, cool, that's nice, Like
Speaker 2: is there something you would have done differently there to
Speaker 2: celebrate that or is that just the experience that you're like, Oh,
Speaker 2: it just wasn't as exciting as I thought it would be.
Speaker 5: I think for me again, the joy was kind of
Speaker 5: in going, oh, like I've paid down the debt, Like
Speaker 5: I yeah, Like I don't need to have something material
Speaker 5: or an experience for me personally to enjoy that moment.
Speaker 5: Like it was anti climactic, but I think not because
Speaker 5: I didn't celebrate it. I think it was just because
Speaker 5: it had been such a big goal and I got there,
Speaker 5: I was like, yeah, exactly right. But no, like, I
Speaker 5: do look back on that moment with a lot of
Speaker 5: happiness because it was something that I had been working
Speaker 5: towards and that's where my passion and joy comes from.
Speaker 5: But there are some people that you're right like, they
Speaker 5: want to go out to a dinner or they want
Speaker 5: to buy themselves a little piece of jewelry, And no
Speaker 5: matter what it is that does it for you that
Speaker 5: is so great. I think it's maybe just taking some
Speaker 5: time to figure out how you personally like to celebrate
Speaker 5: and then giving yourself permission to do that for those
Speaker 5: small winds, not just the big ones.
Speaker 4: So that'll keep you on track for your next goal,
Speaker 4: right exactly.
Speaker 2: And it sounds a little bit fluffy, right, but I
Speaker 2: do think it goes back to things like love, languages
Speaker 2: and really understanding yourself. And I know what makes me
Speaker 2: really happy. And I would be so excited if I
Speaker 2: was like, hey, jes I just achieved this thing. Do
Speaker 2: you want to go for a walk and grab a coffee?
Speaker 2: It's mindset, it's actually going Oh I'd love to share
Speaker 2: this with my friend as opposed to, you know, a
Speaker 2: big thing, because you could give me a big thing.
Speaker 2: And this is going to sound really awful, but like
Speaker 2: I'll just go yeah, okay, cool, like that's nice unless
Speaker 2: I have some kind of achievement associated with a big
Speaker 2: ticket purchase. And this is where you know historically I've
Speaker 2: spoken on my Instagram account. I have bought myself pieces
Speaker 2: of jewelry before. I couldn't like, don't give me a
Speaker 2: really expensive piece of jewelry without any meaning behind it.
Speaker 2: It means nothing to me. But I bought myself my
Speaker 2: very first pair of pearl earrings. When I got my
Speaker 2: first full time job and I had my very first paycheck,
Speaker 2: I was like, oh, this is big girl purchase. Like
Speaker 2: to me, that was important. To other people, you'd be like, well,
Speaker 2: the hell Victoria like that?
Speaker 6: What?
Speaker 2: No, I want to save my first paycheck and let's
Speaker 2: be current Victoria wouldn't do what past Victoria did. But
Speaker 2: these are things that made me really happy. So I
Speaker 2: think you're right, Jess. Just break it down, work out
Speaker 2: what you want and how you want to celebrate it,
Speaker 2: because my version of celebrating might be your version of Hell.
Speaker 4: We're also all super proud of you, dear listener, if
Speaker 4: that helps as well, a bit of praise from the girls.
Speaker 4: Congratulations on all you've achieved.
Speaker 2: Go put whatever you've achieved in our money. We pass blood.
Speaker 2: You love reading. We read each and every single one
Speaker 2: of the comments that go in there. Please go and
Speaker 2: pop it there. People put in there they got fifty
Speaker 2: cents off their coffee, all the way through to paying
Speaker 2: off fifty grand worth of personal debt. And I'm here
Speaker 2: for every single one of them, honestly. But guys, we've
Speaker 2: gone on and on. I think that is all we
Speaker 2: have time for today.
Speaker 4: Let's do it the boring but important stuff.
Speaker 6: Guys.
Speaker 4: Please remember the advice shed on She's on the Money
Speaker 4: is general in nature and does not consider your individual circumstances.
Speaker 4: She's on the Money exists purely for educational purposes and
Speaker 4: should not be relied upon to make an investment or
Speaker 4: a financial decision. And we promised. Victoria Devine and She's
Speaker 4: on the Money are authorized representatives of in Focused Securities.
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Speaker 2: See you next week, guy, bye,