1 00:00:00,640 --> 00:00:04,880 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,920 --> 00:00:08,639 Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before 3 00:00:08,640 --> 00:00:11,119 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,280 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:17,639 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,240 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,280 --> 00:00:26,960 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,040 --> 00:00:30,080 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,200 --> 00:00:32,599 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,280 --> 00:00:34,080 Speaker 2: Let's get into it. 11 00:00:34,760 --> 00:00:54,000 Speaker 3: She's on the Money, She's on the Money. 12 00:00:57,800 --> 00:01:00,920 Speaker 4: Hello, and welcome to She's on Me, the podcast for 13 00:01:01,000 --> 00:01:04,720 Speaker 4: millennials who want financial freedom. Welcome back to another Shop 14 00:01:04,760 --> 00:01:06,880 Speaker 4: Back Money Diary Monday, where we get to chat to 15 00:01:06,880 --> 00:01:09,080 Speaker 4: one of our community members to learn all about them, 16 00:01:09,360 --> 00:01:12,600 Speaker 4: their money, their story, their journey, their life and all 17 00:01:12,600 --> 00:01:13,800 Speaker 4: of the fun bits in between. 18 00:01:14,280 --> 00:01:16,800 Speaker 2: Victoria, what are you going to say about this one? 19 00:01:16,880 --> 00:01:20,120 Speaker 2: Jess go, you have an outstanding. 20 00:01:21,440 --> 00:01:21,520 Speaker 5: You. 21 00:01:21,920 --> 00:01:25,400 Speaker 2: I am very excited. Should we get straight into it? Yes, 22 00:01:25,520 --> 00:01:28,440 Speaker 2: let me tell you what they said? So our diarist wrote, 23 00:01:28,600 --> 00:01:30,119 Speaker 2: Kyo or She's on the Money, team. 24 00:01:30,319 --> 00:01:31,080 Speaker 5: Hey we friends. 25 00:01:31,360 --> 00:01:33,319 Speaker 4: I am a thirty six year old New Zealand Maori, 26 00:01:33,400 --> 00:01:36,920 Speaker 4: mother of two, emergency services worker and egg donor. I 27 00:01:36,920 --> 00:01:39,679 Speaker 4: am the first on the Marti side to graduate from university. 28 00:01:40,040 --> 00:01:42,880 Speaker 4: Growing up, money was very stressful. It was always tight 29 00:01:42,959 --> 00:01:46,000 Speaker 4: and argued about often. We were never taught financial literacy 30 00:01:46,040 --> 00:01:47,680 Speaker 4: and it made me want to get a good job 31 00:01:47,760 --> 00:01:50,640 Speaker 4: or career in order to never have money problems. I 32 00:01:50,680 --> 00:01:53,080 Speaker 4: can't wait to share my story with our community. 33 00:01:53,160 --> 00:01:56,720 Speaker 2: Epic. Oh my gosh, let's get straight into it, money diarist, 34 00:01:56,880 --> 00:01:58,800 Speaker 2: welcome to the show. You're hiding in the. 35 00:01:58,760 --> 00:02:02,320 Speaker 5: Background, Kurta. Guys, how are you? 36 00:02:02,640 --> 00:02:05,840 Speaker 2: We are so well. I'm excited to hear about your 37 00:02:05,880 --> 00:02:08,600 Speaker 2: money story. Are you ready to get straight into it? 38 00:02:08,800 --> 00:02:09,480 Speaker 5: Absolutely? 39 00:02:09,760 --> 00:02:12,640 Speaker 2: All right, let's go. So first question is could you 40 00:02:12,680 --> 00:02:15,000 Speaker 2: tell us a little bit about your money story? 41 00:02:15,200 --> 00:02:17,320 Speaker 5: Yeah? Absolutely, I've had a bit of a thought about 42 00:02:17,320 --> 00:02:21,399 Speaker 5: this growing up. I'm one of five kids and we 43 00:02:21,840 --> 00:02:25,920 Speaker 5: grew up in a very small rural town in the 44 00:02:25,960 --> 00:02:30,760 Speaker 5: South Island population less than a thousand people and one 45 00:02:30,880 --> 00:02:34,760 Speaker 5: income family. So dad worked and he worked very hard. 46 00:02:35,440 --> 00:02:40,840 Speaker 5: Money was extremely stressful growing up. It was never talked 47 00:02:40,880 --> 00:02:46,880 Speaker 5: about and there are always many arguments about it to 48 00:02:46,960 --> 00:02:52,200 Speaker 5: the point where I think all of us kids there 49 00:02:52,240 --> 00:02:54,240 Speaker 5: was just so much stress around it, and I knew 50 00:02:54,360 --> 00:02:59,800 Speaker 5: that in order to live a life how I wanted, 51 00:03:00,040 --> 00:03:04,519 Speaker 5: I needed to get a good career. So back then 52 00:03:04,880 --> 00:03:10,760 Speaker 5: I would say very stressful, pessimistic about money. But now 53 00:03:11,000 --> 00:03:15,480 Speaker 5: that's obviously change over the last sort of good five years. 54 00:03:15,680 --> 00:03:21,040 Speaker 5: Are more positive about money and optimistic. I would say, yeah, so. 55 00:03:21,000 --> 00:03:23,519 Speaker 2: You're changing the narrative of where you've been to where 56 00:03:23,560 --> 00:03:28,200 Speaker 2: you want to be. Absolutely yeah, I love that all right, Well, 57 00:03:28,360 --> 00:03:32,120 Speaker 2: share with us the pervy details money, durist. What do 58 00:03:32,160 --> 00:03:33,920 Speaker 2: you do for work? How much money do you earn? 59 00:03:35,160 --> 00:03:40,200 Speaker 5: Okay, I am a paramedic and I'm part time and 60 00:03:40,400 --> 00:03:42,880 Speaker 5: I'm on one hundred and six k. 61 00:03:43,360 --> 00:03:47,600 Speaker 2: Oh, very nice. It's also rata because you're part time. Yeah. 62 00:03:47,720 --> 00:03:50,800 Speaker 5: Yeah, and that's not including super very cool. 63 00:03:50,880 --> 00:03:54,000 Speaker 2: I feel like paramedics don't get enough credit like you 64 00:03:54,040 --> 00:03:57,680 Speaker 2: guys do such a special job. How epic. Do you 65 00:03:57,680 --> 00:03:58,360 Speaker 2: love what you do? 66 00:03:58,880 --> 00:04:03,360 Speaker 5: Yeah, it's challenging and every day is different. Coming up 67 00:04:03,360 --> 00:04:07,880 Speaker 5: to twelve years in the job, and obviously the last 68 00:04:08,120 --> 00:04:12,960 Speaker 5: couple of years have been stressful for everyone, and this 69 00:04:13,080 --> 00:04:18,000 Speaker 5: year in particularly, i've really, really struggled working just with 70 00:04:18,680 --> 00:04:23,480 Speaker 5: workload and with what was going on with lockdown, and 71 00:04:23,520 --> 00:04:26,440 Speaker 5: then I've had a few family members that died as well, 72 00:04:26,720 --> 00:04:29,880 Speaker 5: and I've ended up having to take a good eight 73 00:04:29,960 --> 00:04:33,320 Speaker 5: weeks off work. I was burnt out, and I ended 74 00:04:33,400 --> 00:04:36,680 Speaker 5: up having to see a psychologist, which I still see. 75 00:04:37,160 --> 00:04:42,000 Speaker 5: She's fantastic, and she said, you know you need time off. 76 00:04:42,080 --> 00:04:45,560 Speaker 5: You either go down work cover or we use yes 77 00:04:45,600 --> 00:04:49,160 Speaker 5: siically she goes, because I don't want you to get 78 00:04:49,160 --> 00:04:53,800 Speaker 5: to a point where it's too late, where you've gone 79 00:04:53,960 --> 00:04:57,800 Speaker 5: past that exhaustion and you're off work and you can't 80 00:04:57,800 --> 00:05:00,800 Speaker 5: get back on road. Because she said that she's got 81 00:05:00,960 --> 00:05:04,200 Speaker 5: paramedics that have had two years off road and they 82 00:05:04,240 --> 00:05:06,880 Speaker 5: can't get back on road because they just went past 83 00:05:07,440 --> 00:05:12,080 Speaker 5: the point of exhaustion and burnout. And so at a 84 00:05:12,160 --> 00:05:15,760 Speaker 5: much better place. Now, I'm back at work, and yeah, 85 00:05:15,839 --> 00:05:18,120 Speaker 5: feeling better, but I'm still seeing the psychologists. 86 00:05:18,320 --> 00:05:21,000 Speaker 2: Oh I'm glad, like I'm glad that you got to 87 00:05:21,080 --> 00:05:23,640 Speaker 2: pick it up as early as that, because you do 88 00:05:23,760 --> 00:05:27,800 Speaker 2: hear about people in our frontline roles that just get 89 00:05:28,040 --> 00:05:30,760 Speaker 2: so burnt out. But I also just don't think, you know, 90 00:05:30,880 --> 00:05:33,760 Speaker 2: this is maybe another stereotype jest that we need to break. 91 00:05:33,760 --> 00:05:36,080 Speaker 2: But I just feel like people in those roles care 92 00:05:36,120 --> 00:05:38,240 Speaker 2: so much about other people that when it comes to 93 00:05:38,279 --> 00:05:40,440 Speaker 2: caring for themselves they just don't reach out for the 94 00:05:40,480 --> 00:05:43,240 Speaker 2: help when they need it. And it's like, well, guys, 95 00:05:43,279 --> 00:05:46,120 Speaker 2: like you need more support than anybody, Like you're carrying 96 00:05:46,120 --> 00:05:49,040 Speaker 2: the weight of the world and so much trauma that 97 00:05:49,120 --> 00:05:52,200 Speaker 2: other people go through on you. Like, it just makes 98 00:05:52,240 --> 00:05:55,760 Speaker 2: sense that burnout would be a very real reality. However, 99 00:05:56,120 --> 00:05:59,359 Speaker 2: we just need to identify it earlier and give ourselves 100 00:05:59,360 --> 00:06:02,000 Speaker 2: the self care and the space to get through that. 101 00:06:02,640 --> 00:06:05,000 Speaker 2: So I'm glad that you're back on the road. That's 102 00:06:05,000 --> 00:06:06,440 Speaker 2: so exciting. We're so lucky. 103 00:06:07,240 --> 00:06:11,600 Speaker 5: Yeah, yeah, and you're absolutely right and normalize it by 104 00:06:11,680 --> 00:06:15,240 Speaker 5: talking about it. I took very openly to any of 105 00:06:15,279 --> 00:06:19,600 Speaker 5: my colleagues that I'm working with, because all of us 106 00:06:19,640 --> 00:06:23,600 Speaker 5: need help at some stage. All of us do. And yeah, 107 00:06:23,680 --> 00:06:26,520 Speaker 5: like I talked to my family about it. Whereas you know, 108 00:06:26,800 --> 00:06:29,000 Speaker 5: growing up, mental health was another thing that was never 109 00:06:29,040 --> 00:06:32,039 Speaker 5: talked about. It was everything was sweet under the rugue. 110 00:06:32,160 --> 00:06:36,480 Speaker 2: It's just not helpful, No, it absolutely isn't. All right. Next, 111 00:06:36,520 --> 00:06:38,840 Speaker 2: I would like to know, my friend, what's your big 112 00:06:38,880 --> 00:06:39,480 Speaker 2: money goal. 113 00:06:39,880 --> 00:06:43,000 Speaker 5: So my husband and I are very fortunate that we 114 00:06:43,600 --> 00:06:47,640 Speaker 5: already own a house. That our big money goal because 115 00:06:47,680 --> 00:06:51,560 Speaker 5: he's also a paramedic and so we've got some long 116 00:06:51,640 --> 00:06:56,560 Speaker 5: service leave. So we're planning in twenty twenty five to 117 00:06:56,760 --> 00:07:02,040 Speaker 5: take a year off and live overseas. So we'll about 118 00:07:02,080 --> 00:07:05,440 Speaker 5: to do half pay for some of it and will 119 00:07:05,440 --> 00:07:08,080 Speaker 5: have some annual leave. So a year off living overseas 120 00:07:08,120 --> 00:07:09,040 Speaker 5: with our two kids. 121 00:07:09,360 --> 00:07:11,840 Speaker 2: Oh my gosh, that's so exciting. Where are you going? 122 00:07:11,920 --> 00:07:17,160 Speaker 5: Tell us more a typical our fashion. We're very disorganized, 123 00:07:17,200 --> 00:07:20,720 Speaker 5: but we have the plan of basing ourselves in Italy. 124 00:07:21,200 --> 00:07:22,920 Speaker 2: Oh, you're living my dream. 125 00:07:24,880 --> 00:07:28,520 Speaker 5: We're so privileged, Like I can't even comprehend how very 126 00:07:28,560 --> 00:07:31,840 Speaker 5: lucky we are, and we both know this, so very fortunate. 127 00:07:31,880 --> 00:07:34,880 Speaker 5: Our kids are very very lucky as well. 128 00:07:35,520 --> 00:07:37,920 Speaker 2: No, no, no, no, my friend, we need to reframe 129 00:07:37,960 --> 00:07:40,240 Speaker 2: that actually, because you just said you're really lucky. But 130 00:07:40,320 --> 00:07:42,160 Speaker 2: what you told me is you have this plan that 131 00:07:42,200 --> 00:07:44,960 Speaker 2: you're working towards, and you're working really hard to do that. 132 00:07:45,000 --> 00:07:47,680 Speaker 2: I don't actually think luck comes into it. I think 133 00:07:47,680 --> 00:07:49,680 Speaker 2: that what you're going to achieve is because of your 134 00:07:49,720 --> 00:07:51,880 Speaker 2: hard work and determination and the fact that you guys 135 00:07:51,880 --> 00:07:53,760 Speaker 2: are killing it. So if we could just see it 136 00:07:53,840 --> 00:07:56,800 Speaker 2: that way, like my friend Lucky is finding two dollars 137 00:07:56,800 --> 00:07:59,640 Speaker 2: on the ground, it's not working so that in twenty 138 00:07:59,680 --> 00:08:01,440 Speaker 2: twenty five you can live a year in Italy. 139 00:08:03,720 --> 00:08:05,080 Speaker 5: Appreciate that. Thank you. 140 00:08:05,200 --> 00:08:09,600 Speaker 2: Yeah, all right, let's move on to the next question. 141 00:08:09,760 --> 00:08:12,480 Speaker 2: I want to know do you have any investments? If so, 142 00:08:12,600 --> 00:08:13,320 Speaker 2: what are they? 143 00:08:13,920 --> 00:08:17,760 Speaker 5: Absolutely so super The last time I checked that, which 144 00:08:17,800 --> 00:08:22,040 Speaker 5: is probably I think four months ago, it was at 145 00:08:22,320 --> 00:08:26,360 Speaker 5: one hundred and fifty k oh, good work, Yeah, very 146 00:08:26,560 --> 00:08:30,080 Speaker 5: very lucky. And then I also have started the last 147 00:08:30,160 --> 00:08:33,640 Speaker 5: couple of years investing in shares, so I made sure 148 00:08:33,640 --> 00:08:35,440 Speaker 5: I did a lot of reading up on that before 149 00:08:35,480 --> 00:08:38,199 Speaker 5: I sort of dip my toes. But that at the moment, 150 00:08:38,240 --> 00:08:40,319 Speaker 5: I think is at thirty five k. 151 00:08:40,440 --> 00:08:42,200 Speaker 2: Oh, very nice. Can you tell me a little bit 152 00:08:42,240 --> 00:08:44,320 Speaker 2: more about that, though I'm really pervy, I wouldn't know. 153 00:08:44,520 --> 00:08:46,280 Speaker 2: How did you get into the market, what made you 154 00:08:46,360 --> 00:08:49,280 Speaker 2: take that next step, and how did you pick the 155 00:08:49,360 --> 00:08:50,760 Speaker 2: asset that worked best for you? 156 00:08:51,120 --> 00:08:56,640 Speaker 5: Absolutely so. I love to read and knowledge is power, 157 00:08:56,720 --> 00:09:01,280 Speaker 5: So I just read a lot of financial books, a 158 00:09:01,280 --> 00:09:04,160 Speaker 5: lot to kind of remember in particular which ones, and 159 00:09:04,240 --> 00:09:07,120 Speaker 5: also podcasts She's on the Money, of course. 160 00:09:07,040 --> 00:09:10,240 Speaker 2: And this season about ego stroking. I literally want to 161 00:09:10,240 --> 00:09:13,640 Speaker 2: know because as women like, it's so hard to take 162 00:09:13,679 --> 00:09:17,400 Speaker 2: that next step to go. I've read, I've listened, Like 163 00:09:17,720 --> 00:09:19,520 Speaker 2: you know, there are even people in my team that 164 00:09:19,559 --> 00:09:21,560 Speaker 2: are like Victoria, I hear from you all the time. 165 00:09:21,640 --> 00:09:24,559 Speaker 2: I'm just still analysis paralysis, and I don't know how 166 00:09:24,600 --> 00:09:28,120 Speaker 2: to go onto actually purchasing my first share. So no, 167 00:09:28,160 --> 00:09:30,160 Speaker 2: it's not about did you listen to She's on the Money, 168 00:09:30,160 --> 00:09:31,520 Speaker 2: It's like, how do you do it? Please share? We 169 00:09:31,600 --> 00:09:31,960 Speaker 2: want to know. 170 00:09:32,440 --> 00:09:35,200 Speaker 5: Yeah, I think for me, you've just got to work 171 00:09:35,240 --> 00:09:38,240 Speaker 5: out what's works best for you. So I'm just like, 172 00:09:38,440 --> 00:09:41,679 Speaker 5: I don't want to overwhelm myself with which platform is 173 00:09:41,679 --> 00:09:44,760 Speaker 5: the right platform. So I ended up just going with Comsick. 174 00:09:44,840 --> 00:09:47,959 Speaker 5: I just made a decision years. Some of their fees 175 00:09:47,960 --> 00:09:49,920 Speaker 5: are a little bit high in terms of compared to 176 00:09:49,960 --> 00:09:53,200 Speaker 5: other platforms, but I was like, I'll do it. And 177 00:09:53,240 --> 00:09:59,200 Speaker 5: then researching about good standard blow chip stocks ETFs I 178 00:09:59,320 --> 00:10:02,520 Speaker 5: really liked, and I would just sort of read into 179 00:10:02,559 --> 00:10:04,520 Speaker 5: them as well, and you know what to look for. 180 00:10:04,679 --> 00:10:08,000 Speaker 5: I'm not going to be picking random stocks that I 181 00:10:08,040 --> 00:10:11,360 Speaker 5: don't know what they are or you know someone's given 182 00:10:11,400 --> 00:10:15,480 Speaker 5: you a tip on what stock is going to be 183 00:10:15,600 --> 00:10:18,560 Speaker 5: the best, So the majority like the S and P. 184 00:10:18,760 --> 00:10:22,840 Speaker 5: Five hundred. Of course, obviously that's Warren Buffett. He was 185 00:10:23,400 --> 00:10:26,199 Speaker 5: a huge influence too, as well as the very dry 186 00:10:26,400 --> 00:10:28,960 Speaker 5: financial book, which I think you recommended I'd read a 187 00:10:28,960 --> 00:10:32,319 Speaker 5: while ago. I forget the name of the Intelligent Investor. 188 00:10:32,679 --> 00:10:35,440 Speaker 2: Oh yeah, I did recommend that My favorite dry book 189 00:10:35,520 --> 00:10:38,320 Speaker 2: is actually the Richest Man in Babylon. But you know 190 00:10:38,440 --> 00:10:40,560 Speaker 2: I'll read them for you. Guys. We did actually a 191 00:10:40,600 --> 00:10:43,160 Speaker 2: recap a couple of months ago on the podcast of 192 00:10:43,200 --> 00:10:45,120 Speaker 2: my favorite book, so you didn't have to read them, 193 00:10:45,120 --> 00:10:46,920 Speaker 2: but I'm glad you did, my friend. 194 00:10:47,360 --> 00:10:49,920 Speaker 5: Yes, it's very dry. It can also put you to 195 00:10:49,960 --> 00:10:51,040 Speaker 5: sleep at times. 196 00:10:50,720 --> 00:10:52,959 Speaker 2: Good night time reading. I reckon, if you can't sleep, 197 00:10:53,000 --> 00:10:55,400 Speaker 2: pop that book beside your bed. Promise you won't suffer 198 00:10:55,400 --> 00:10:56,680 Speaker 2: from insomnia again. 199 00:10:57,240 --> 00:11:00,320 Speaker 5: Exactly. I agree. So yeah, I just really a lot 200 00:11:00,360 --> 00:11:03,600 Speaker 5: of my own research and reading, and I just thought, 201 00:11:03,600 --> 00:11:06,839 Speaker 5: you know what, I'll do one thousand dollar lots and 202 00:11:08,679 --> 00:11:11,719 Speaker 5: just I started off, I think which was my first year, 203 00:11:11,800 --> 00:11:16,120 Speaker 5: probably an ETF of some point or a listed investment company, 204 00:11:16,720 --> 00:11:19,600 Speaker 5: and I know that they're good sort of standard stocks 205 00:11:19,640 --> 00:11:23,400 Speaker 5: and then just reinvest the dividends. Yeah what a queen. 206 00:11:23,559 --> 00:11:28,040 Speaker 2: I love that. Thank you for sharing. All right, next question, 207 00:11:28,200 --> 00:11:30,560 Speaker 2: my love, do you have any debts? If so, what 208 00:11:30,760 --> 00:11:31,200 Speaker 2: are they? 209 00:11:31,840 --> 00:11:35,360 Speaker 5: Yeah? Absolutely, obviously the mortgage, which I think is at 210 00:11:35,600 --> 00:11:40,640 Speaker 5: four hundred K at the moment, and no consumer debt. 211 00:11:40,640 --> 00:11:43,040 Speaker 5: We got rid of that quite a few years ago, 212 00:11:43,120 --> 00:11:45,720 Speaker 5: paid out of cars and all of that. But I 213 00:11:45,840 --> 00:11:49,400 Speaker 5: have my student loan from New Zealand and I should 214 00:11:49,400 --> 00:11:53,000 Speaker 5: have paid it off years ago. But yeah, look there 215 00:11:53,000 --> 00:11:55,439 Speaker 5: were a few years where you know, just wasn't paying 216 00:11:55,840 --> 00:11:58,480 Speaker 5: and then paying minimum you know, the interest. So I've 217 00:11:58,480 --> 00:12:01,600 Speaker 5: actually made a goal for myself to pay it out 218 00:12:01,880 --> 00:12:06,680 Speaker 5: by June next year. I've already got sixteen K set 219 00:12:06,760 --> 00:12:09,480 Speaker 5: aside because I think it's at thirty one K, and 220 00:12:09,520 --> 00:12:11,680 Speaker 5: I'll just knock that out of the park. Yep. 221 00:12:12,040 --> 00:12:15,480 Speaker 2: How exciting. I love that you've got a plan for it. 222 00:12:15,600 --> 00:12:18,440 Speaker 2: I feel like that's yeah, No, that's really exciting because 223 00:12:18,440 --> 00:12:21,640 Speaker 2: I feel like sometimes when we have outstanding debts, especially 224 00:12:21,720 --> 00:12:23,600 Speaker 2: ones that we've been putting off for a long time, 225 00:12:23,679 --> 00:12:25,040 Speaker 2: we just stick our head in the sand and we'll 226 00:12:25,080 --> 00:12:26,800 Speaker 2: be like, oh, I just keep chipping away at it. 227 00:12:26,880 --> 00:12:29,120 Speaker 2: Like it'll go away one day, like and you've got 228 00:12:29,160 --> 00:12:30,880 Speaker 2: a plan and you know when it's going to happen, 229 00:12:31,080 --> 00:12:33,160 Speaker 2: and you kind of smiled all the way through that, 230 00:12:33,280 --> 00:12:36,040 Speaker 2: so it's not even worrying that much, which I love. 231 00:12:38,200 --> 00:12:42,000 Speaker 5: Yeah, I think that I know I should have had 232 00:12:42,040 --> 00:12:43,760 Speaker 5: it knocked out years ago. 233 00:12:43,840 --> 00:12:46,920 Speaker 2: Anyway, that's all right, That is all right. Well let's 234 00:12:46,920 --> 00:12:50,559 Speaker 2: talk about maybe our money. When do you use shop back? 235 00:12:50,920 --> 00:12:53,560 Speaker 5: I do, yes, I think I've got fifty dollars in 236 00:12:53,600 --> 00:12:55,000 Speaker 5: there at the moment. 237 00:12:55,320 --> 00:12:57,559 Speaker 2: Free money. We love you love that. 238 00:12:57,840 --> 00:13:00,600 Speaker 5: What I've been doing is ordering the likes of Foods 239 00:13:00,880 --> 00:13:03,600 Speaker 5: or muscle Shift. They're really handy meals to take. 240 00:13:04,000 --> 00:13:05,679 Speaker 2: Oh there were meals on there too. 241 00:13:06,000 --> 00:13:08,440 Speaker 5: Yeah. Yeah, oh you're. 242 00:13:08,360 --> 00:13:10,600 Speaker 2: Much smarter than me. I hadn't even thought about that. 243 00:13:10,679 --> 00:13:13,040 Speaker 2: I knew that, like supermarkets were on there, so that's 244 00:13:13,080 --> 00:13:14,839 Speaker 2: a good money win, but I didn't know you could 245 00:13:14,960 --> 00:13:18,040 Speaker 2: order meal delivery serve. I learned something new every time 246 00:13:18,080 --> 00:13:19,680 Speaker 2: I ask that question, honestly. 247 00:13:20,120 --> 00:13:20,560 Speaker 5: Awesome. 248 00:13:22,320 --> 00:13:24,800 Speaker 2: All right, speaking about money wins, I want to know 249 00:13:24,960 --> 00:13:26,839 Speaker 2: what is your best money habit. 250 00:13:28,120 --> 00:13:31,600 Speaker 5: When I set goals, I get that tunnel vision and 251 00:13:32,000 --> 00:13:35,319 Speaker 5: I'll do it. So for example, like I've said, I've 252 00:13:35,360 --> 00:13:38,800 Speaker 5: set this goal of paying out my student loan and 253 00:13:39,280 --> 00:13:41,679 Speaker 5: I'll no, I'll do it by June. So yeah, get 254 00:13:41,720 --> 00:13:44,959 Speaker 5: that sort of determination and tunnel vision and just do it. 255 00:13:45,280 --> 00:13:48,640 Speaker 2: I love that. Let's flip the narrative for a hot second. 256 00:13:49,080 --> 00:13:50,559 Speaker 2: What's your worst money habit? 257 00:13:52,320 --> 00:13:56,240 Speaker 5: I can take money out of savings sometimes, well not 258 00:13:56,280 --> 00:13:58,520 Speaker 5: sometimes I might do it a bit too often. Then 259 00:13:58,559 --> 00:14:00,960 Speaker 5: I want to like, oh, I'll just take out a 260 00:14:00,960 --> 00:14:06,200 Speaker 5: bit of money, And it's generally to spend on food. Yeah, 261 00:14:06,360 --> 00:14:13,320 Speaker 5: like takeaways, and so yeah, that's probably the worst one 262 00:14:13,320 --> 00:14:13,839 Speaker 5: at the moment. 263 00:14:14,320 --> 00:14:17,640 Speaker 2: That is not too bad if I do say so myself, 264 00:14:17,880 --> 00:14:20,160 Speaker 2: also because I get it if it's for snacks. That 265 00:14:20,920 --> 00:14:23,680 Speaker 2: story adds up. Last question before we go to a 266 00:14:23,720 --> 00:14:26,480 Speaker 2: really quick break. What grade would you give yourself if 267 00:14:26,520 --> 00:14:28,720 Speaker 2: we forced you to give yourself a money grade? 268 00:14:28,840 --> 00:14:31,960 Speaker 5: I think it would be a solid B. We're on 269 00:14:32,000 --> 00:14:37,640 Speaker 5: the way to being very financially stable. Yeah, I like that. 270 00:14:37,680 --> 00:14:39,280 Speaker 2: What would you have to do to get. 271 00:14:39,160 --> 00:14:44,520 Speaker 5: To an A? To get to an A? I would 272 00:14:44,640 --> 00:14:49,200 Speaker 5: have to have the student loan knocked out and maybe 273 00:14:49,200 --> 00:14:52,760 Speaker 5: the mortgage reduced. But we've already got our emergency fund, 274 00:14:52,840 --> 00:14:57,320 Speaker 5: so I feel yeah that that's not a problem, but 275 00:14:57,400 --> 00:14:59,080 Speaker 5: it's yeah, just those other things. 276 00:14:59,200 --> 00:15:01,720 Speaker 2: Yeah, I like that dune next year you're an a 277 00:15:01,920 --> 00:15:05,560 Speaker 2: then that makes sense. Story checks out. Let's go to 278 00:15:05,600 --> 00:15:08,080 Speaker 2: a quick break because after the break, I really want 279 00:15:08,120 --> 00:15:11,040 Speaker 2: to dive back into your money story. Don't go anywhere, guys. 280 00:15:15,600 --> 00:15:18,160 Speaker 2: All right, we are back and money diarist. I feel 281 00:15:18,160 --> 00:15:20,520 Speaker 2: like you've got a really interesting money story, and we 282 00:15:20,680 --> 00:15:23,320 Speaker 2: touched on it at the start of the structured questions, 283 00:15:23,600 --> 00:15:25,760 Speaker 2: but I want to dive back into it because you 284 00:15:25,840 --> 00:15:29,480 Speaker 2: said that growing up, your parents argued a lot about money, 285 00:15:29,520 --> 00:15:31,720 Speaker 2: and I feel like we all do that in different ways, 286 00:15:31,760 --> 00:15:36,320 Speaker 2: shapes and forms. But as a younger human, what did 287 00:15:36,360 --> 00:15:38,600 Speaker 2: you take from that, Like, did you feel it was 288 00:15:38,760 --> 00:15:41,920 Speaker 2: just an overwhelming sense of anxiety or with the specific 289 00:15:42,000 --> 00:15:44,920 Speaker 2: money issues they argued about. And I guess how does 290 00:15:44,960 --> 00:15:48,120 Speaker 2: that now trail into the conversations you have with your 291 00:15:48,160 --> 00:15:49,120 Speaker 2: partner about money? 292 00:15:49,800 --> 00:15:53,359 Speaker 5: Yeah? Really good question. It was definitely a lot of anxiety. 293 00:15:53,400 --> 00:16:01,200 Speaker 5: I think the un known as to what our situation was, 294 00:16:01,480 --> 00:16:07,800 Speaker 5: whether we could afford to still rent where we were 295 00:16:08,080 --> 00:16:11,120 Speaker 5: or oh look, there was always food, we always had 296 00:16:11,120 --> 00:16:15,240 Speaker 5: a roof over our head, and typical small town community 297 00:16:15,360 --> 00:16:19,560 Speaker 5: like there's always support from the community and we had 298 00:16:19,600 --> 00:16:23,080 Speaker 5: a lot of families, so that very privileged in that respect. 299 00:16:23,800 --> 00:16:29,280 Speaker 5: But I feel like for a long time into my 300 00:16:29,480 --> 00:16:33,720 Speaker 5: twenties as well, still held on to that anxiety. So 301 00:16:33,920 --> 00:16:39,840 Speaker 5: even when I was working, wasn't fantastic with money because 302 00:16:39,960 --> 00:16:43,960 Speaker 5: we weren't taught about it, so basically spending all that 303 00:16:44,360 --> 00:16:47,960 Speaker 5: we earned or not thinking about my future self in 304 00:16:48,040 --> 00:16:51,400 Speaker 5: terms of putting money aside because it wasn't we didn't 305 00:16:51,480 --> 00:16:55,680 Speaker 5: learn about it, and it was you know, you got money, 306 00:16:55,800 --> 00:17:02,880 Speaker 5: you spent it, basically. So I think think for especially 307 00:17:03,200 --> 00:17:08,520 Speaker 5: my sister and I, we always knew that we needed 308 00:17:08,520 --> 00:17:12,199 Speaker 5: to get good jobs, good careers as a way of 309 00:17:12,640 --> 00:17:17,199 Speaker 5: ending that cycle of being financially and stable. I guess, 310 00:17:17,280 --> 00:17:21,320 Speaker 5: so that was my first step. But with this good 311 00:17:21,440 --> 00:17:24,160 Speaker 5: career and e earning decent money, that doesn't mean that 312 00:17:24,560 --> 00:17:26,280 Speaker 5: you know what to do with money and that you're 313 00:17:26,280 --> 00:17:29,000 Speaker 5: going to be financially stable independent. 314 00:17:29,640 --> 00:17:33,240 Speaker 2: Yeah, do you still feel anxious when people ask about 315 00:17:33,240 --> 00:17:35,840 Speaker 2: money or talk about money, like where are your feelings 316 00:17:35,920 --> 00:17:36,439 Speaker 2: at on this? 317 00:17:37,080 --> 00:17:39,080 Speaker 5: A little bit? I think that's over the years that's 318 00:17:39,080 --> 00:17:44,600 Speaker 5: actually reduced because when we paid out our car loans 319 00:17:45,040 --> 00:17:48,359 Speaker 5: and we had a credit card and there was another 320 00:17:48,840 --> 00:17:53,720 Speaker 5: that we had that anxiety started to go away, and 321 00:17:54,320 --> 00:17:57,200 Speaker 5: it's amazing that the weight that's lifted off your shoulders 322 00:17:57,200 --> 00:18:00,840 Speaker 5: by doing those things. So I feel that a lot 323 00:18:00,840 --> 00:18:04,200 Speaker 5: of that anxiety has gone for sure because we don't 324 00:18:04,200 --> 00:18:08,359 Speaker 5: have that consumer debt. We have a really decent emergency fund, 325 00:18:08,840 --> 00:18:11,840 Speaker 5: we have good soupers, and we have a goal as 326 00:18:11,840 --> 00:18:16,640 Speaker 5: to what we're doing in terms of investing for our future. 327 00:18:16,760 --> 00:18:22,640 Speaker 5: So yeah, i'd say that I don't have that anxiety now. 328 00:18:23,160 --> 00:18:27,199 Speaker 5: I can still in my mind think about when we 329 00:18:27,320 --> 00:18:31,560 Speaker 5: grew up and not ever wanting to be in that situation. 330 00:18:32,840 --> 00:18:36,119 Speaker 2: Yeah, that is so fair, And I feel like this 331 00:18:36,280 --> 00:18:39,000 Speaker 2: is a really common narrative in our community where it's 332 00:18:39,720 --> 00:18:42,520 Speaker 2: an underlying anxiety, you've grown up with it, you're not 333 00:18:42,640 --> 00:18:45,320 Speaker 2: really sure how to reframe it, but you're starting to 334 00:18:45,400 --> 00:18:49,080 Speaker 2: take positive steps towards creating a secure financial future, and 335 00:18:49,119 --> 00:18:51,200 Speaker 2: then I feel like there's a bit of an ah 336 00:18:51,480 --> 00:18:54,200 Speaker 2: moment where you go, this is how I can do that, 337 00:18:54,320 --> 00:18:58,720 Speaker 2: and that anxiety dissipates. You mentioned before, we now have 338 00:18:58,920 --> 00:19:02,560 Speaker 2: our emergency fund. I want to know about your emergency fund. 339 00:19:02,600 --> 00:19:06,359 Speaker 2: Have you always had one? If not, how, when, where, why, 340 00:19:06,440 --> 00:19:08,560 Speaker 2: and what's in it, and how did you decide how 341 00:19:08,640 --> 00:19:09,760 Speaker 2: much needed to be in it? 342 00:19:10,800 --> 00:19:14,400 Speaker 5: Yeah, good question, because I find this fascinating. Everyone's emergency 343 00:19:14,440 --> 00:19:18,840 Speaker 5: fund amount will always be different. So from what I've read, 344 00:19:19,080 --> 00:19:22,879 Speaker 5: the information is anywhere from three to six months of 345 00:19:23,080 --> 00:19:27,680 Speaker 5: living expenses. Some people might do it as their three 346 00:19:27,720 --> 00:19:30,760 Speaker 5: to six months wage, but for us, I think I 347 00:19:30,840 --> 00:19:34,560 Speaker 5: set the minimum of twenty five K. So we have 348 00:19:35,240 --> 00:19:37,560 Speaker 5: twenty five k in there at the moment. 349 00:19:37,640 --> 00:19:40,119 Speaker 2: Very nas very nice, very healthy. 350 00:19:40,119 --> 00:19:43,359 Speaker 5: And we're just letting that. Each fortnight we get paid, 351 00:19:43,560 --> 00:19:45,680 Speaker 5: I think two hundred to fortnite goes into that and 352 00:19:45,840 --> 00:19:48,400 Speaker 5: we'll just leat that keet trickling away. 353 00:19:48,680 --> 00:19:51,159 Speaker 2: I love that. Why are you continuing to contribute to 354 00:19:51,200 --> 00:19:53,359 Speaker 2: your emergency fund? Do you feel like there's not enough 355 00:19:53,440 --> 00:19:55,800 Speaker 2: in there? Or have you picked an amount like did 356 00:19:55,880 --> 00:19:57,920 Speaker 2: you go, I want twenty five k because it covers 357 00:19:57,960 --> 00:20:00,800 Speaker 2: three months worth of expenses? Is this the number that 358 00:20:00,920 --> 00:20:02,119 Speaker 2: just makes you feel really comfy? 359 00:20:02,240 --> 00:20:02,320 Speaker 1: Like? 360 00:20:02,359 --> 00:20:03,240 Speaker 2: Where is it at? 361 00:20:03,560 --> 00:20:06,480 Speaker 5: That's a good question. I know. I think I see 362 00:20:06,520 --> 00:20:08,880 Speaker 5: goals in terms of so, you know, twenty five k, 363 00:20:09,040 --> 00:20:11,000 Speaker 5: and then you're like, oh, I could see that to 364 00:20:11,000 --> 00:20:13,800 Speaker 5: be higher. But I think if there's always a minimum 365 00:20:13,840 --> 00:20:17,400 Speaker 5: of twenty five K. Happy with that, and I think 366 00:20:17,440 --> 00:20:21,680 Speaker 5: any excess in there, I think I'll just put into shares. 367 00:20:21,800 --> 00:20:23,920 Speaker 5: So yeah, I like that. 368 00:20:24,040 --> 00:20:27,080 Speaker 2: I don't mind that you're keeping on contributing to that. 369 00:20:27,080 --> 00:20:28,560 Speaker 2: That's not a bad thing. I just want to know 370 00:20:28,600 --> 00:20:32,439 Speaker 2: people's mentality around it, because it's interesting having had a 371 00:20:32,480 --> 00:20:34,800 Speaker 2: conversation this week with someone who's like, oh, I don't 372 00:20:34,800 --> 00:20:37,440 Speaker 2: really need it, I've got a credit card, and I'm like, ah, 373 00:20:37,560 --> 00:20:41,439 Speaker 2: that gives me mad anxiety. But different things work for 374 00:20:41,520 --> 00:20:44,560 Speaker 2: different people. And as much as you know I would 375 00:20:44,760 --> 00:20:47,680 Speaker 2: love love love love love and genuinely believe every single 376 00:20:47,720 --> 00:20:51,000 Speaker 2: human needs an emergency fund, my job is actually to 377 00:20:51,119 --> 00:20:52,919 Speaker 2: educate you on all the options and then you make 378 00:20:52,960 --> 00:20:55,000 Speaker 2: the best one for you. And if you've decided that's it, 379 00:20:55,080 --> 00:20:58,000 Speaker 2: then that's all good. But my gosh, that would give 380 00:20:58,000 --> 00:21:00,720 Speaker 2: me mad anxiety not knowing that I have some cash 381 00:21:00,760 --> 00:21:02,400 Speaker 2: stashed away for a rainy day. 382 00:21:02,760 --> 00:21:04,800 Speaker 5: Absolutely, yeah, I agree. 383 00:21:05,640 --> 00:21:08,600 Speaker 4: I wanted to ask you about something that you mentioned 384 00:21:08,840 --> 00:21:12,200 Speaker 4: in your writing. You said you're an emergency services worker 385 00:21:12,359 --> 00:21:15,400 Speaker 4: and an egg donor, and I liked that you put 386 00:21:15,440 --> 00:21:17,880 Speaker 4: it there because I feel like it kind of signaled 387 00:21:17,920 --> 00:21:20,040 Speaker 4: to me that that was something that was really important 388 00:21:20,080 --> 00:21:22,760 Speaker 4: to you. So I wanted to know more about why 389 00:21:23,200 --> 00:21:25,280 Speaker 4: you made that decision, why you wanted to be an 390 00:21:25,280 --> 00:21:28,399 Speaker 4: egg donor have there been any costs associated with that, 391 00:21:28,400 --> 00:21:30,239 Speaker 4: because if I'm being honest, it's not something that I 392 00:21:30,280 --> 00:21:32,320 Speaker 4: know a lot about, but I would really like to 393 00:21:32,320 --> 00:21:33,800 Speaker 4: know how does that work. 394 00:21:34,280 --> 00:21:37,000 Speaker 5: Yeah, it's a very long story, so I'll try to 395 00:21:37,040 --> 00:21:40,840 Speaker 5: convince it. When my husband and I decided to try 396 00:21:40,920 --> 00:21:45,240 Speaker 5: for a family, were very realistic, I guess, probably because 397 00:21:45,240 --> 00:21:49,520 Speaker 5: of the job we do in terms of we talked about, okay, 398 00:21:49,600 --> 00:21:51,639 Speaker 5: so what happens if we can't conceive naturally? What are 399 00:21:51,680 --> 00:21:55,399 Speaker 5: our options? So you know, we talked about IVF, we 400 00:21:55,480 --> 00:21:58,560 Speaker 5: talked about other fertility treatments. What if that can't happen, 401 00:21:59,040 --> 00:22:03,480 Speaker 5: what about donation from another woman? Adoption? All that. So 402 00:22:03,720 --> 00:22:09,040 Speaker 5: we're very realistic. And also I said to my husband, 403 00:22:09,040 --> 00:22:11,360 Speaker 5: and this is back I think twenty thirteen or fourteen, 404 00:22:11,400 --> 00:22:14,400 Speaker 5: when I was sort of looking into starting a family, 405 00:22:14,760 --> 00:22:19,280 Speaker 5: that one of my brothers is gay. He lives in 406 00:22:19,320 --> 00:22:23,280 Speaker 5: London with his partner, and I said that if he 407 00:22:23,320 --> 00:22:26,760 Speaker 5: ever wanted to have a family, I would hope someone 408 00:22:26,800 --> 00:22:31,199 Speaker 5: would donate the eggs to them, and egg donation is 409 00:22:31,240 --> 00:22:33,760 Speaker 5: something that I would like to do, provided I could 410 00:22:33,800 --> 00:22:37,240 Speaker 5: have my own family, because it's such a special gift. 411 00:22:37,359 --> 00:22:41,800 Speaker 5: Having children is incredible. And if I could do that 412 00:22:41,840 --> 00:22:45,520 Speaker 5: for someone else, knowing that, you know, someone might do 413 00:22:45,560 --> 00:22:48,840 Speaker 5: that for my brother and his partner if they wanted kids. 414 00:22:48,920 --> 00:22:53,119 Speaker 2: Yeah, you are such a special human. My gosh, A paramedic, 415 00:22:53,359 --> 00:22:56,640 Speaker 2: someone who cares that much about other family, That is wild. 416 00:22:56,800 --> 00:23:01,239 Speaker 2: I love it. Were there any close associated with that 417 00:23:01,320 --> 00:23:01,680 Speaker 2: for you? 418 00:23:01,960 --> 00:23:06,920 Speaker 5: Yeah? So then we fast forward to twenty seventeen and 419 00:23:07,520 --> 00:23:11,800 Speaker 5: my husband found an online article for look at an 420 00:23:11,880 --> 00:23:15,280 Speaker 5: Ossie couple, a New Zealand Maori and a Ossie couple 421 00:23:15,880 --> 00:23:20,200 Speaker 5: looking for a Maori egg donor, and they weren't getting 422 00:23:20,240 --> 00:23:23,000 Speaker 5: anywhere because obviously it's very narrow. 423 00:23:23,160 --> 00:23:26,840 Speaker 2: Yeah that's niche, that's it. But that has your name 424 00:23:26,960 --> 00:23:27,840 Speaker 2: all written on it. 425 00:23:29,000 --> 00:23:31,080 Speaker 5: So my husband's like, oh, what do you think? And 426 00:23:31,119 --> 00:23:34,240 Speaker 5: I was like, oh do you think I because you know, 427 00:23:34,359 --> 00:23:38,040 Speaker 5: obviously the young are the better quality your eggs are. 428 00:23:38,080 --> 00:23:40,399 Speaker 5: And at that stage I was thirty one, and I 429 00:23:40,440 --> 00:23:43,280 Speaker 5: know I'm I'm not old, but obviously you know your 430 00:23:43,359 --> 00:23:46,200 Speaker 5: quality of eggs and your number of eggs starts reducing, 431 00:23:46,520 --> 00:23:50,000 Speaker 5: especially after thirty five and he's like, no, no, I said, 432 00:23:50,080 --> 00:23:53,240 Speaker 5: you know what, Yeah, let's email and just throw basically 433 00:23:53,320 --> 00:23:56,080 Speaker 5: throw my hat in the ring. And so sent an 434 00:23:56,119 --> 00:23:59,720 Speaker 5: email saying who I was and about my family, what 435 00:23:59,800 --> 00:24:02,800 Speaker 5: I did do, what tribe I descend from in New Zealand, 436 00:24:03,080 --> 00:24:05,720 Speaker 5: and yeah, just a bit of information. And it felt 437 00:24:05,760 --> 00:24:08,560 Speaker 5: good knowing that there would be you know, I thought, yeah, 438 00:24:08,560 --> 00:24:10,680 Speaker 5: there'd be other women that would have done the same. 439 00:24:10,800 --> 00:24:13,359 Speaker 5: And the boys, as I call them, that had an 440 00:24:13,440 --> 00:24:18,359 Speaker 5: overwhelming response from women in New Zealand and Australia of 441 00:24:18,800 --> 00:24:24,720 Speaker 5: special descent and I think over seventy women and yeah, look, 442 00:24:24,760 --> 00:24:27,400 Speaker 5: and I don't think if all of those women met 443 00:24:27,440 --> 00:24:29,680 Speaker 5: the criteria in terms of age and things like that, 444 00:24:30,000 --> 00:24:33,920 Speaker 5: but I think my email was lucky last, which caught 445 00:24:33,960 --> 00:24:36,919 Speaker 5: their eye as well. And so it was a bit 446 00:24:36,920 --> 00:24:39,920 Speaker 5: of a process for them to sort of filter through 447 00:24:39,920 --> 00:24:42,520 Speaker 5: everything and they sort of narrowed it down and it 448 00:24:42,640 --> 00:24:45,560 Speaker 5: ended up having skype chats with I think they sort 449 00:24:45,560 --> 00:24:48,160 Speaker 5: of narrowed it down to five women and then from 450 00:24:48,200 --> 00:24:50,760 Speaker 5: there we had to go to our GPS and get 451 00:24:50,800 --> 00:24:53,840 Speaker 5: blood tests because they can do like our blood test, 452 00:24:54,040 --> 00:24:57,440 Speaker 5: it's an anti miller and hormone blood test, which basically 453 00:24:57,880 --> 00:25:01,000 Speaker 5: can look at how many eggs you've got left, So 454 00:25:01,040 --> 00:25:03,399 Speaker 5: obviously you want to pick a candidate that's got a 455 00:25:03,400 --> 00:25:07,440 Speaker 5: good range of eggs. The process from there, so then 456 00:25:07,600 --> 00:25:09,040 Speaker 5: I think there from there there was a couple of 457 00:25:09,040 --> 00:25:13,240 Speaker 5: women that didn't quite meet that good criteria and then 458 00:25:13,280 --> 00:25:16,119 Speaker 5: it came down to sort of a personal decision for 459 00:25:16,200 --> 00:25:22,119 Speaker 5: them both and which they spoke with their families and 460 00:25:21,720 --> 00:25:25,359 Speaker 5: they ended up picking me, which is in the end 461 00:25:25,400 --> 00:25:28,399 Speaker 5: I was just happy that they had someone. And so 462 00:25:29,600 --> 00:25:36,479 Speaker 5: in Australia, so obviously egg donation Saragac's firm donation is 463 00:25:36,880 --> 00:25:40,600 Speaker 5: not commercial, meaning you don't get paid for it, so 464 00:25:40,680 --> 00:25:41,560 Speaker 5: you know, you hear of it. 465 00:25:42,000 --> 00:25:43,360 Speaker 2: In America they do. 466 00:25:43,600 --> 00:25:47,359 Speaker 5: They do, that's right, So it's an altruistic. 467 00:25:47,160 --> 00:25:49,360 Speaker 2: You do it because you're a kind human. 468 00:25:49,760 --> 00:25:55,159 Speaker 5: Absolutely, and so basically what is covered so the boys 469 00:25:55,200 --> 00:26:00,160 Speaker 5: will pay everything associated with the process, so that the IVY, 470 00:26:00,280 --> 00:26:05,159 Speaker 5: if medications, the GP visits, that the blood tests, the 471 00:26:05,960 --> 00:26:08,920 Speaker 5: going getting the ultrasounds, the flights up to because they're 472 00:26:08,920 --> 00:26:12,560 Speaker 5: based in Queensland, the flights up to Queensland for the 473 00:26:12,600 --> 00:26:16,320 Speaker 5: egg retrieval, the accommodation, the food, any days that I 474 00:26:16,359 --> 00:26:19,040 Speaker 5: had to take or work all covered for I mean, 475 00:26:19,040 --> 00:26:22,880 Speaker 5: they treated me like an absolute queen and we have 476 00:26:23,160 --> 00:26:26,320 Speaker 5: a fantastic relationship, all all of us. And I mean 477 00:26:26,840 --> 00:26:30,399 Speaker 5: so my husband and the boys. So they I've actually 478 00:26:30,440 --> 00:26:36,600 Speaker 5: done IVF twice for them and they have a little girl. 479 00:26:38,040 --> 00:26:42,320 Speaker 5: How special, Yes, and they're looking at doing another transfer soon. 480 00:26:42,359 --> 00:26:45,239 Speaker 5: That's a little girl. She's just over to now and 481 00:26:45,280 --> 00:26:48,479 Speaker 5: I have met her, and you just don't know how 482 00:26:48,480 --> 00:26:52,400 Speaker 5: you're going to feel because she's come from me. 483 00:26:53,320 --> 00:26:55,720 Speaker 2: She's genetically part of you. 484 00:26:55,520 --> 00:26:59,080 Speaker 5: Right, Yeah, that's right. But it was because I'm known 485 00:26:59,080 --> 00:27:02,399 Speaker 5: as Auntie, which's a very endearble germ as well in 486 00:27:02,400 --> 00:27:06,639 Speaker 5: our culture. And it was beautiful, Like it was emotional 487 00:27:06,680 --> 00:27:10,720 Speaker 5: obviously when I met her, but not like I didn't 488 00:27:10,760 --> 00:27:12,760 Speaker 5: feel like I needed to take her home and that 489 00:27:12,800 --> 00:27:15,720 Speaker 5: she was mine. It was just yeah, she's. 490 00:27:15,560 --> 00:27:17,320 Speaker 2: Just a very special little girl. 491 00:27:17,880 --> 00:27:19,720 Speaker 5: Yeah. Yeah, oh that. 492 00:27:19,800 --> 00:27:23,119 Speaker 2: Is so special because you always, like people talk about 493 00:27:23,160 --> 00:27:26,119 Speaker 2: egg donation as being something that is so you know, 494 00:27:26,200 --> 00:27:29,600 Speaker 2: altruistic and so kind and special. But then there's you know, 495 00:27:29,680 --> 00:27:31,520 Speaker 2: maybe that flip side of going, well, what if I 496 00:27:31,600 --> 00:27:35,040 Speaker 2: meet this child and I feel like that's my child, 497 00:27:35,160 --> 00:27:39,480 Speaker 2: like because quite literally genetically they've come from you. But oh, 498 00:27:39,560 --> 00:27:42,600 Speaker 2: I love that. I love that for you and seeing 499 00:27:42,640 --> 00:27:46,600 Speaker 2: that come full circle. Does that mean that there will 500 00:27:46,600 --> 00:27:49,679 Speaker 2: be another baby at some point that is related to 501 00:27:49,760 --> 00:27:50,720 Speaker 2: you in that family? 502 00:27:51,480 --> 00:27:54,080 Speaker 5: I hope so, so they look at yourself. Obviously they 503 00:27:54,119 --> 00:27:57,120 Speaker 5: have a surrogate and I haven't met her yet, that 504 00:27:57,160 --> 00:28:03,080 Speaker 5: she's also another beautiful person. So hopefully looking at doing 505 00:28:03,200 --> 00:28:07,800 Speaker 5: a transfer, the first transfer this month, so with their 506 00:28:07,920 --> 00:28:09,960 Speaker 5: daughter that they have at the moment that she was 507 00:28:10,560 --> 00:28:14,040 Speaker 5: the fourth transfers to the fourth embryo that took. 508 00:28:14,400 --> 00:28:18,399 Speaker 2: Wow, that is honestly so special. I want to ask, though, 509 00:28:18,560 --> 00:28:21,080 Speaker 2: would you do that for other families or are you like, no, 510 00:28:21,280 --> 00:28:24,399 Speaker 2: this was just one that's enough, Like or is this 511 00:28:24,520 --> 00:28:26,560 Speaker 2: something that you'll continue to do? Like how does this 512 00:28:26,800 --> 00:28:30,080 Speaker 2: stuff work? Because I can imagine that ivf's really taxing 513 00:28:30,119 --> 00:28:30,920 Speaker 2: on your body. 514 00:28:31,440 --> 00:28:33,920 Speaker 5: Yeah, it's a really good question because I find it 515 00:28:33,960 --> 00:28:38,080 Speaker 5: all fascinating too. And each state has their own different laws. 516 00:28:38,600 --> 00:28:43,040 Speaker 5: So for me personally, for me, it was always going 517 00:28:43,120 --> 00:28:45,960 Speaker 5: to be I had to have a connection with a couple, 518 00:28:46,400 --> 00:28:48,760 Speaker 5: and for me, it's always been that I would donate 519 00:28:48,800 --> 00:28:52,080 Speaker 5: to one couple, whereas I know that other women have 520 00:28:52,360 --> 00:28:57,280 Speaker 5: donated to multiple couples. And I believe in Victoria the 521 00:28:57,360 --> 00:29:01,960 Speaker 5: law as you can only donate eight to ten women, 522 00:29:02,200 --> 00:29:04,880 Speaker 5: I believe. I think New South Wales might be five 523 00:29:05,320 --> 00:29:09,120 Speaker 5: donate to five couples. And I think they're actually they 524 00:29:09,240 --> 00:29:13,640 Speaker 5: include your own children in that. Oh well really, yeah, 525 00:29:14,040 --> 00:29:16,720 Speaker 5: I'm not quite clear on that. Yeah, so that's my 526 00:29:16,920 --> 00:29:21,280 Speaker 5: personal science. Other women might yeah, be more than happy 527 00:29:21,320 --> 00:29:23,440 Speaker 5: to donate to multiple couples. 528 00:29:23,760 --> 00:29:27,480 Speaker 2: Yeah, how special, Oh my gosh, And I want to 529 00:29:27,520 --> 00:29:29,360 Speaker 2: be really pervy. Is your brother going to have a 530 00:29:29,400 --> 00:29:31,920 Speaker 2: baby at any point? Is that some route that he 531 00:29:32,000 --> 00:29:32,960 Speaker 2: wants to go down? 532 00:29:33,920 --> 00:29:38,640 Speaker 5: Yeah? I know, I hope so. So he lives in 533 00:29:38,680 --> 00:29:43,880 Speaker 5: London with his beautiful partner, and look, they both adore 534 00:29:44,040 --> 00:29:47,600 Speaker 5: their nieces and nephews. Got a niece and nephew in 535 00:29:47,920 --> 00:29:51,600 Speaker 5: England as well, And it might it might be I 536 00:29:51,600 --> 00:29:54,360 Speaker 5: will have to ask him, because he'd be very upfront, 537 00:29:55,040 --> 00:29:57,800 Speaker 5: he wouldn't mind me asking it all. But I mean, 538 00:29:57,840 --> 00:29:59,480 Speaker 5: I just want him and his partner to get married. 539 00:29:59,480 --> 00:30:01,240 Speaker 5: I want to You're like, I want to go with 540 00:30:01,320 --> 00:30:01,880 Speaker 5: a wedding. 541 00:30:02,080 --> 00:30:04,680 Speaker 2: I want to have a party. I like your partner 542 00:30:04,760 --> 00:30:09,160 Speaker 2: lock it down? How exciting? Oh my gosh. You are 543 00:30:09,360 --> 00:30:13,200 Speaker 2: honestly such a special human being, in your work, in 544 00:30:13,240 --> 00:30:15,400 Speaker 2: your life, in the things you do for others. I 545 00:30:15,440 --> 00:30:17,760 Speaker 2: am so glad you are part of our community. How 546 00:30:17,800 --> 00:30:18,440 Speaker 2: lucky are we? 547 00:30:20,960 --> 00:30:22,840 Speaker 5: I appreciate this, thank you. 548 00:30:23,320 --> 00:30:25,760 Speaker 2: Oh my gosh, But Jess, I do think that is 549 00:30:26,120 --> 00:30:29,440 Speaker 2: sadly all we have time for today. So Jess, why 550 00:30:29,520 --> 00:30:32,400 Speaker 2: don't you wrap the boring but important stuff? Of course, 551 00:30:32,480 --> 00:30:34,720 Speaker 2: don't forget, guys, that the advice sheared on She's on 552 00:30:34,760 --> 00:30:37,080 Speaker 2: the money is generally in nature and does not consider 553 00:30:37,080 --> 00:30:40,720 Speaker 2: your individual circumstances. She's on the money exists purely for 554 00:30:40,840 --> 00:30:43,320 Speaker 2: educational purposes and should not be relied upon to make 555 00:30:43,360 --> 00:30:46,840 Speaker 2: an investment or a financial decision. And we promise Victoria 556 00:30:46,880 --> 00:30:49,560 Speaker 2: divine and She's on the money are authorized representatives of 557 00:30:49,640 --> 00:30:54,040 Speaker 2: Infocused Securities Australia Proprietary Limited ABN four seven oh nine 558 00:30:54,160 --> 00:30:57,640 Speaker 2: seven seven nine seven fort nine AFSL two three six 559 00:30:57,760 --> 00:31:00,720 Speaker 2: five two three. We'll see you on Wednesday. Eyes sigh