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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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

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Speaker 2: Millennials who want financial freedom. Welcome back to another one

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Speaker 2: of our Money Diary episodes where I get the absolute

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Speaker 2: privilege of sitting down and talking to one of our

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Speaker 2: incredible She's on the Money community members all about their

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Speaker 2: money story. Let's jump straight into it because I got

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Speaker 2: a message this week and it sounded a lot like this. Hi, team,

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Speaker 2: I'm twenty two and have ADHD. I have a lot

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Speaker 2: of anxiety around money, and I believe it's because of

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Speaker 2: the way my mum spoke about money as she was

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Speaker 2: unfortunately put in a financial pickle after she split from

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Speaker 2: my dad. I would love to talk about how ADHD

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Speaker 2: and how you grew up around money affects you. I

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Speaker 2: also worked in stuperanuation for nearly four years and recently

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Speaker 2: quit due to my mental health to embark on a

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Speaker 2: new journey, which has also affected me financially. Money Darist,

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Speaker 2: welcome to the show. Hi, Oh my gosh. I am

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Speaker 2: very excited to speak to someone who also has ADHD.

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Speaker 2: I feel like we're basically going to have some very

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Speaker 2: fun similar anecdotes. But let's jump straight into the questions

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Speaker 2: because I'm excited for this one. As always, at the

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Speaker 2: start of every episode, I ask this question, so I'm

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Speaker 2: dying to hear your answer. Money Doarrist, what grade would

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Speaker 2: you give your money habits if I asked you to

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Speaker 2: give them a grade from A through to F.

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Speaker 3: I did think a lot about this. I'm gonna give

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Speaker 3: myself about a C plus.

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Speaker 2: A C plus all right, we can talk about that

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Speaker 2: one later. But now my favorite question, money Dores, can

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Speaker 2: you tell me a little bit more about your money story? Yes?

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Speaker 3: So, I was diagnosed with ADHD in December last year,

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Speaker 3: so it hasn't even been twelve months yet. My whole

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Speaker 3: life is making so much more sense now. But when

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Speaker 3: I was nine, my parents split up, so as part

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Speaker 3: of that, my mom purchased my dad out.

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Speaker 2: Of our house. Queen behavior, I get it, Mum.

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Speaker 3: Yep. My parents have two very very different outlooks on money.

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Speaker 3: I guess you'd say Mum has definitely been more conservative,

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Speaker 3: trying to save where she can. She's still paying off

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Speaker 3: the house, whereas Dad is someone that just spends it

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Speaker 3: willing nilly and yeah, doesn't really stave or anything like that.

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Speaker 3: So yeah, two complete polar opposites. And I think, especially

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Speaker 3: with interest rates and stuff rising at the moment, Mum

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Speaker 3: can be a bit stressed about the mortgage payments.

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Speaker 2: For good reason.

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Speaker 3: It is very stressful, Oh yeah, especially when she's got

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Speaker 3: me and my younger brother that live at home, so like,

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Speaker 3: we do help out where we can, but yeah, she

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Speaker 3: sometimes will project that stress onto us, which you know,

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Speaker 3: completely understandable, she's just venting, but it does sort of

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Speaker 3: give me a bit of anxiety.

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Speaker 2: Creates tension for sure, yeah, for sure, and then you

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Speaker 2: probably end up in silly arguments over not what you're

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Speaker 2: actually talking about yep, relatable.

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Speaker 3: Yeah, that, as I mentioned in my entry, Yeah, I've

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Speaker 3: worked in superannuation for nearly four years. So I quit

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Speaker 3: in August and I was working full time, so I

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Speaker 3: was working in the contact centers across a few of

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Speaker 3: the different superannuation funds. So I've got quite a lot

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Speaker 3: of knowledge on superannuation. So I started there just before

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Speaker 3: I turned nineteen.

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Speaker 2: Oh, very cool. So yeah, got on it really early obviously.

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Speaker 2: Side note, I always promote the contact centers at superannuation

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Speaker 2: funds because I'm like, guys, if you don't know about super,

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Speaker 2: call the contact center because you're already paying the fees

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Speaker 2: for it. It is free. How many people were calling

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Speaker 2: you and being like I don't really know much about Super,

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Speaker 2: did you get to have these awesome conversations with people

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Speaker 2: where they went away and went, oh my gosh, it

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Speaker 2: makes so much more sense now.

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Speaker 3: Yeah. So I started off on the phones because I

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Speaker 3: started just before COVID hit. So it was really interesting

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Speaker 3: seeing the difference before and after COVID, especially with people

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Speaker 3: with drawing their ten thousand tax free.

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Speaker 1: Ah.

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Speaker 2: Yeah, you would have gone through so much of.

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Speaker 3: That, Yeah, and the investments dropping and all that. That

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Speaker 3: kind of stuff. So yeah, it was really busy at

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Speaker 3: that time. But yeah, I noticed like afterwards as well,

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Speaker 3: people came to us with questions and had a better

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Speaker 3: understanding of their SUPER, which was really good. But it

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Speaker 3: was also really good because I became a trainer and

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Speaker 3: a coach, and then I became a team leader within

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Speaker 3: the contact center. So yeah, it was really nice. And

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Speaker 3: I was training people that didn't know much about their

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Speaker 3: SUPER and then they could share what they had learnt

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Speaker 3: as well, which was really nice.

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Speaker 2: Oh how cool. I love it. So tell me a

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Speaker 2: bit more. Obviously, you've just quit your role in a

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Speaker 2: contact center for superannuation after four years. What do you

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Speaker 2: currently do for work and how much money do you earn?

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Speaker 3: So I'm currently a studio coordinator at a Polarates studio.

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Speaker 2: Oh very cool.

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Speaker 3: Yeah, and I'm actually studying my certificate and Polarates So

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Speaker 3: I finished that in a couple of weeks.

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Speaker 2: Oh exciting. That is a very big pivot, isn't it.

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Speaker 3: Yeah. So I'm currently earning about thirty dollars an hour

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Speaker 3: during the week, and then I get weekends which is

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Speaker 3: about thirty five an hour, and I do between twenty

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Speaker 3: to twenty five hours a week, like my pay will

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Speaker 3: kind of fluctuate each fortnight. But it's definitely a big

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Speaker 3: job because when I was working full time, I was

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Speaker 3: on seventy five thousand, including super But we're making it work.

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Speaker 2: So what planning did you do before leaving? So obviously

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Speaker 2: you left because of your mental health, as mentioned in

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Speaker 2: your submission, which I think is so important, and I'm

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Speaker 2: really proud of you for making that decision because it

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Speaker 2: can be something that so many people just stick to

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Speaker 2: irrespective of whether it's the best decision or not. So

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Speaker 2: how did you make that decision and what kind of

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Speaker 2: like budgeting or planning did you do for this move?

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Speaker 3: Look, honestly, it wasn't the way that I would have

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Speaker 3: lacked it to have gone, because I do my Plati's

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Speaker 3: course one weekend a month, So the plan was originally

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Speaker 3: just to be sort of doing that and then I

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Speaker 3: would quit once I'd finished my course. And from about

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Speaker 3: February to August, I was working at the party studio

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Speaker 3: as well as working that full time job, so I

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Speaker 3: was working heaps. Yeah, was pretty much just trying to

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Speaker 3: put away any money that I could smart. I also

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Speaker 3: had a bunch of annual leave, so I didn't take

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Speaker 3: any unless I had to for UNI, like a unique

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Speaker 3: exam or something, and then, yeah, I pretty much just

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Speaker 3: got my lumps from that when I left, Because when

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Speaker 3: I did leave, it was sort of I just had

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Speaker 3: had enough and I just couldn't hold on anymore. So

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Speaker 3: I gave it six weeks notice, which was more than

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Speaker 3: what I.

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Speaker 2: Had to That's very kind of you, Yeah, especially when

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Speaker 2: you're like, I'm already overwhelmed, but I'm still trying to

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Speaker 2: do the right thing.

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Speaker 3: Yeah, exactly. So I gave six weeks notice, and so

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Speaker 3: I pretty much had six weeks to sort my stuff out,

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Speaker 3: and I've pretty much used up all of the money

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Speaker 3: that I did have, but we're making it work. My partner,

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Speaker 3: he's really good with his money, so he's very generous

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Speaker 3: and helps me out when I need it, which is

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Speaker 3: really nice.

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Speaker 2: That's very kind.

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Speaker 3: Yeah, very lucky.

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Speaker 2: I'm just so pervy, Like it's not she's on the money.

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Speaker 2: If I'm not grilling you about your financial circumstances, is

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Speaker 2: that and what's that mean? How does that work? It's

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Speaker 2: like questions that I feel like I can only ask

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Speaker 2: on the podcast, of course, Whereas like you know, if

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Speaker 2: you and I met in public, I'd be like, oh,

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Speaker 2: you're a Plarti's instructor. That's nice. How much money do

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Speaker 2: you want? So it's inappropriate Victoria. But what happens once

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Speaker 2: you finish your training and you become like a fully

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Speaker 2: qualified pilarates instructor, What does your annual salary look like? Then?

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Speaker 3: So it kind of depends on how many classes you teach.

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Speaker 3: So I'm not one hundred percent sure of what the

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Speaker 3: earning is at my studio. I have a rough idea

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Speaker 3: it's normally anywhere between like forty five and fifty five

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Speaker 3: dollars per class. When I was looking it up, you

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Speaker 3: can earn anywhere between like forty five and I think

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Speaker 3: one hundred and ten dollars per class. So yeah, and

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Speaker 3: then obviously it depends on how many classes you're teaching.

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Speaker 3: So I've already put my name down for a bunch

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Speaker 3: of covers in December and January, which is really good

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Speaker 3: because this year I'm not going away, so I'm just

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Speaker 3: gonna each heap and save as much as i can. Yeah, yeah,

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Speaker 3: I'm smart, Yes, So that's pretty much the goal. And

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Speaker 3: then it'll just depend on how many classes I'm teaching and.

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Speaker 2: How far forward. Are we thinking with this? Like, I

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Speaker 2: feel like this is a career that I feel like.

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Speaker 2: I have a lot of friends who have gone into

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Speaker 2: being pilates instructors, and they're like, I'm going to spend

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Speaker 2: a few years just doing you know, casual classes, and

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Speaker 2: then I want my own studio. Is this something that

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Speaker 2: you've thought about or is this something you're like, Victoria,

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Speaker 2: you are getting way ahead of yourself here.

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Speaker 3: No, I have thought about it.

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Speaker 2: I feel like you sound very intelligent. I feel like

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Speaker 2: you've got a game plan here.

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Speaker 3: Thank you. Yeah, so I'm actually studying at UNI to

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Speaker 3: be a dietitian is a goal.

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Speaker 2: Oh how fun.

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Speaker 1: Yeah.

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Speaker 3: So I'm studying a Bachelor of Health Science majoring in

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Speaker 3: nutrition and Exercise science, and then I'll have to go

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Speaker 3: on to do my master's and dietetics. Long term goal

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Speaker 3: is to open my own business, so no one steals

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Speaker 3: my idea. I'll keep it nice and short and sleek.

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Speaker 2: I know, don't tell me I'm in though, Like, I

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Speaker 2: know you're based near me, so like let me know

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Speaker 2: when it opens. And I'm also bringing back business Bible

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Speaker 2: content for you so we can like build your business together.

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Speaker 3: We love it. Yeah, it's just gonna be like a

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Speaker 3: health center. It's pretty much the goal. Fun.

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Speaker 2: I love this. I was like, I feel like she's

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Speaker 2: got bigger plans with this.

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Speaker 3: Yeah, so hopefully part of it is that it will have,

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Speaker 3: you know, a gym, and then a polity studio is

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Speaker 3: part of it as well.

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Speaker 2: I mean, I love it. I'm so excited to this.

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Speaker 2: I'm so glad. I asked right back to the structured questions,

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Speaker 2: my friend, I want to know what is your big

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Speaker 2: money goal? What are you currently working towards.

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Speaker 3: Currently, it's just making sure that I can pay for

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Speaker 3: what I need to pay for. But you know, as

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Speaker 3: I do start teaching more and all of that kind

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Speaker 3: of stuff, I think it's just like having a saving

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Speaker 3: slash an emergency fund. I did sort of have that

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Speaker 3: and then I've had to use it, but that's what

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Speaker 3: it's there for. Yeah, so just rebuilding that back up.

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Speaker 2: Now, how I guess that leans into something you know,

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Speaker 2: you saying, Look, I'm just really trying to make sure

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Speaker 2: that I can pay for what I need. And that

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Speaker 2: makes a lot of sense at this point in time,

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Speaker 2: because obviously there's a number of, like I guess, financial

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Speaker 2: stresses going from earning seventy five thousand down to you know,

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Speaker 2: thirty dollars for about twenty to twenty five hours a week,

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Speaker 2: which makes sense, right, But as a fellow neurospicy gal,

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Speaker 2: I don't think historically when my salary has decreased, I've been, oh, okay,

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Speaker 2: I'm just going to make sure that I can pay

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Speaker 2: for what I can pay for. What I did was

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Speaker 2: bury my head in the sand to pretend it wasn't

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Speaker 2: a problem, and that's how I ended up in such

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Speaker 2: significant financial debt. So what does that look like for you?

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Speaker 2: Is there something where you know, you mentioned that you

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Speaker 2: were diagnosed in December last year. Is this medication driven?

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Speaker 2: Is this therapy driven? Is this how you've always been?

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Speaker 2: Because I'm like, that's not neurotypical behavior. Yeah, no, so

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Speaker 2: I am on medication stunning same. Otherwise I wouldn't be

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Speaker 2: a functioning member of society.

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Speaker 3: Oh me too, I would be laying in bed asleep

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Speaker 3: all day. Yeah.

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Speaker 2: It's good, isn't it. It's avoidant yep.

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Speaker 3: But I think too. I do work with psychologist who

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Speaker 3: also has ADHD, so that's been really good. But I

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Speaker 3: think also I also do have anxiety, so it sort

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Speaker 3: of like depends on the day, like are we going

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Speaker 3: to be ADHD today or are we going to be

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Speaker 3: anxiety today?

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Speaker 2: And sometimes you're both and it's really fun because I

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Speaker 2: also have diagnosed anxiety depression and ADHD, which is just

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Speaker 2: like a really big ball of fun and medications. But yeah,

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Speaker 2: sometimes they like work against each other. So how do

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Speaker 2: you track towards these big money goals when clearly there's

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Speaker 2: you know, a lot in the background working against you,

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Speaker 2: if we could say it that way.

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Speaker 3: So for me, I'm religiously checking my bank accounts and

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Speaker 3: my calendars seeing what I've got coming up, what I

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Speaker 3: need to pay for, and it's really just a ball

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Speaker 3: of anxiety of me trying to sort it out. So

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Speaker 3: I don't get to an appointment and I'm like, ooh, sorry,

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Speaker 3: you've already serviced me, but I can't afford it. So yeah,

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Speaker 3: I do try where I can to plan ahead, and

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Speaker 3: sometimes that does mean you know, moving an appointment a

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Speaker 3: couple of days till that's after my payday. Yeah, so

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Speaker 3: my partner sometimes helps me out. So in that circumstance, I'll,

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Speaker 3: you know, just ask him for a little bit of

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Speaker 3: a loan and then I'll pay him back. When I

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Speaker 3: get my next pay.

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Speaker 2: So, to be honest, I just yallowed it all the

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Speaker 2: way to get so hearing that I think. I'm just like,

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Speaker 2: hold up, hold up, hold up. You said you're a

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Speaker 2: C plus and now your C plus is starting to

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Speaker 2: fall apart here, so I'm just like, Okay, we're probably

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Speaker 2: going to have a little bit of an argument at

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Speaker 2: the end of this episode, but that's okay.

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Speaker 3: We haven't got around to my impulse buying.

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Speaker 2: Oh that's okay, that's so fine. But the fact that

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Speaker 2: you're so measured in going look, I actually just make

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Speaker 2: sure at this point in time that I can pay

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Speaker 2: for what I need to and then the next step

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Speaker 2: is an emergency fund. Like, girl, you've got your head

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Speaker 2: screwed on, and I feel like that is a very

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Speaker 2: good position to be in.

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Speaker 3: Thank you.

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Speaker 2: You mentioned impulse spending. I need to go to a break,

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Speaker 2: but I really want to hear about that. So let's

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Speaker 2: get the break over with it, and then we can

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Speaker 2: jump straight in. I don't go anywhere. Guys, All right,

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Speaker 2: money diarist, we are back, and I want to ask

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Speaker 2: you straight off the bat, do you have any investments.

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Speaker 2: If so, what are they?

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Speaker 3: So I do have my super I looked it up

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Speaker 3: the other day and it's about twenty five point five thousand.

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Speaker 2: Hey, that's pretty good for your age. You're only twenty two.

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Speaker 3: Yeah. So I do make an effort to put fifty

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Speaker 3: dollars in every month. I've been doing that since pretty

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Speaker 3: much I started working.

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Speaker 2: Yeah, and you did that work just before you turned nineteen. Yeah, queen,

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Speaker 2: you're going to be like greach reach. I love this.

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Speaker 3: Well. The goal is to just be that grandmar that

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Speaker 3: can just pay for everything.

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Speaker 2: And that's what I want to be too, Like I

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Speaker 2: want to be rich Nana, like ten out of ten.

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Speaker 3: Yeah, I try and put fifty dollars in there a month.

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Speaker 2: And that's above and beyond your compulsory super contribution.

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Speaker 3: Yep, so that's on top of it. So that is

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Speaker 3: a personal contribution. And then I wasn't claiming the tax.

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Speaker 2: I was about to say, are you keeping track of

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Speaker 2: that for your accountant?

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Speaker 3: On my own accountant?

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Speaker 2: But you can be your own accountant when you do

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Speaker 2: your tax returns.

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Speaker 3: Yeah, So I don't do the claiming the personal contributions

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Speaker 3: tax because I'm at the threshold where I can get

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Speaker 3: the government co contribution.

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Speaker 2: Oh, you're smart, smart, And if.

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Speaker 3: I claim that section two ninety, I'm not eligible for

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Speaker 3: the government co contribution.

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Speaker 2: Okay, so you're going to have to break that down

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Speaker 2: because a few people listening, I'm going to be like Victoria,

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Speaker 2: what is she talking about? Tell me a bit more

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Speaker 2: about what happens with the government co contribution and how

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Speaker 2: that works and why it cancels that tax only because

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Speaker 2: I know you know.

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Speaker 3: Yeah, So with the government co contribution, depending on your income,

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Speaker 3: if you voluntarily put in one thousand dollars, you can

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Speaker 3: get up to five hundred dollars back. You don't necessarily

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Speaker 3: have to put in one thousand dollars. It's just they'll

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Speaker 3: only match up to one thousand dollars. You've got to

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Speaker 3: be an under a certain amount, and then there's different

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Speaker 3: brackets under that amount is how much they'll co contribute. Yeah,

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Speaker 3: so yeah, you can't be claiming the tax back on

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Speaker 3: that and then get the government co contribution. So yeah,

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Speaker 3: if you've been putting money in your super once you

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00:16:14,920 --> 00:16:17,880
Speaker 3: do your tax return, if you're eligible, they'll just automatically

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Speaker 3: put it in your account.

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Speaker 2: Money win. And that's basically fifty percent back. And if

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Speaker 2: you're on a normal quote marginal tax rate, that's thirty

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Speaker 2: two point five percent. That's an instant money win.

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Speaker 3: Yeah.

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Speaker 2: How good is that? I'm obsessed. You're teaching my community

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Speaker 2: and they're going to go away and just be richer

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Speaker 2: because of you. Money weed.

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Speaker 3: We love that.

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Speaker 2: I am obsessed, especially because obviously a lot of people

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Speaker 2: in our community are like me. I just don't have

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Speaker 2: the funds to contribute more to Superannuation. I feel like

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Speaker 2: sometimes fifty dollars can be really reasonable, Like it can

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00:16:51,440 --> 00:16:54,440
Speaker 2: be a really reasonable amount to contribute to Super. You

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00:16:54,480 --> 00:16:56,880
Speaker 2: are actually having an impact, and look, you can get

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Speaker 2: some cash back as well. And I feel like people

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Speaker 2: need to know this stuff because otherwise you don't have

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Speaker 2: as much motivation to.

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Speaker 3: Do it, exactly. And look, I've even just said to friends, like,

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Speaker 3: even if you can just do five dollars, which is,

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Speaker 3: you know, less than a cup of coffee.

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Speaker 2: Still going to get two dollars fifty back exactly.

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Speaker 3: Yeah, if you can just do that, because it's also

357
00:17:15,000 --> 00:17:19,800
Speaker 3: compounding interest, so whatever interest it makes that gets reinvested

358
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Speaker 3: and it just goes around in this big circle.

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Speaker 2: So yeah, obsessed, obsessed. All right, Next question is my friend,

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Speaker 2: do you have any debts? If so, what are they?

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Speaker 3: So I do have three point one thousand in personal

362
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Speaker 3: loans to family, and then I do have my hex step,

363
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Speaker 3: which is about seven point four thousand at the moment,

364
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Speaker 3: but I have already started to pay some of that

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Speaker 3: off because I was earning over the threshold when I

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Speaker 3: was working full time.

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Speaker 2: Oh very cool. So talk to me more about these

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Speaker 2: three point one thousand dollars in personal loans. What were

369
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Speaker 2: they for, how did you, I guess, accrue them, and

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Speaker 2: what's your plan for them?

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Speaker 3: So pretty much, my old laptop decided to just back

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Speaker 3: touch on fire the day of my UNI exam.

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Speaker 2: Oh no, It's always that way, isn't it.

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Speaker 3: Yeah, And I do UNI online, so I really needed

375
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Speaker 3: my laptop. Yeah, and I didn't have the money sitting

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Speaker 3: in my bank account for a new MacBook Air.

377
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Speaker 2: Most of us don't, so that's very relatable.

378
00:18:20,280 --> 00:18:22,200
Speaker 3: Yeah. So I got lent some money to go and

379
00:18:22,240 --> 00:18:23,879
Speaker 3: buy a new one the same day as my exam,

380
00:18:24,000 --> 00:18:29,960
Speaker 3: and it was very stressful. And then there was just

381
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Speaker 3: some other loans. I think I can't remember off the

382
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Speaker 3: top of my head what it was for. But the

383
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Speaker 3: plan is pretty much, once I'm earning that bit more

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Speaker 3: money is just to make monthly payments.

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Speaker 2: So yeah, nice, I like that to be honest. When

386
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Speaker 2: you said, oh, I have a personal loan, I was like, oh, okay,

387
00:18:44,960 --> 00:18:46,719
Speaker 2: is this way we're going to start talking about your

388
00:18:46,720 --> 00:18:49,360
Speaker 2: impulse spending? But that actually just sounds like an essential

389
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Speaker 2: cost that you didn't really have any choice in. Yes,

390
00:18:53,840 --> 00:18:56,880
Speaker 2: well let's talk about your impulse spending, my friend. That's

391
00:18:56,920 --> 00:18:59,000
Speaker 2: not a structured question, but I want to know more

392
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Speaker 2: about it. What does that look like for you? And

393
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Speaker 2: how now you've been diagnosed, does that make a bit

394
00:19:05,040 --> 00:19:05,520
Speaker 2: more sense.

395
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Speaker 3: Yes. So I'm really bad, especially at Kmart. I would

396
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Speaker 3: go to the shops for one thing. I would walk

397
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Speaker 3: around and buy lots of stuff.

398
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Speaker 2: You know, that's kmart strategy, right, Like, they're not silly,

399
00:19:19,800 --> 00:19:21,280
Speaker 2: they know how that works.

400
00:19:21,440 --> 00:19:22,879
Speaker 3: I know, but i'd start.

401
00:19:23,280 --> 00:19:25,040
Speaker 2: Why do you think they put the check out in

402
00:19:25,080 --> 00:19:27,119
Speaker 2: the middle of the store, so you have to boil

403
00:19:27,359 --> 00:19:29,040
Speaker 2: from one side of the store for one thing to

404
00:19:29,080 --> 00:19:30,800
Speaker 2: the other side, and by the time you get back

405
00:19:30,840 --> 00:19:33,760
Speaker 2: you have an armful of stuff. You picked up a basket.

406
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Speaker 2: I know.

407
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Speaker 3: My problem is though, mine's in a shopping center like

408
00:19:37,320 --> 00:19:39,720
Speaker 3: my local ones. So I'll start at Kmart.

409
00:19:39,840 --> 00:19:41,479
Speaker 2: So it is mine. It's a slipretty slope.

410
00:19:41,880 --> 00:19:44,440
Speaker 3: Yeah. I will just pick up things and I'm like, oh, yeah,

411
00:19:44,440 --> 00:19:46,399
Speaker 3: I totally need this, and I really don't.

412
00:19:46,320 --> 00:19:48,280
Speaker 2: But you convince yourself you do, so it must be

413
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Speaker 2: kind of valid.

414
00:19:49,480 --> 00:19:51,239
Speaker 3: Yeah. Well, the amount of books I have that I

415
00:19:51,280 --> 00:19:52,200
Speaker 3: haven't read.

416
00:19:52,320 --> 00:19:54,600
Speaker 2: Oh yep, you need to go in a book ban.

417
00:19:54,760 --> 00:19:57,040
Speaker 2: I've put myself in a book van and I'm not

418
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Speaker 2: allowed any new books until I read at least five

419
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Speaker 2: of the ones I I already have. And like that's

420
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Speaker 2: not even me saying I need to read all the

421
00:20:02,680 --> 00:20:04,920
Speaker 2: books I have. I told myself five and I still

422
00:20:04,960 --> 00:20:05,520
Speaker 2: haven't done it.

423
00:20:06,320 --> 00:20:08,800
Speaker 3: Yeah, I've just started to try to like take photos

424
00:20:08,800 --> 00:20:11,320
Speaker 3: of the ones I see now that I like, yeah.

425
00:20:11,200 --> 00:20:13,080
Speaker 2: Put a folder on your phone and be like you

426
00:20:13,119 --> 00:20:13,960
Speaker 2: can have these later.

427
00:20:14,280 --> 00:20:16,560
Speaker 3: I've got a folder of all the books I want.

428
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Speaker 3: There's like over two hundred books in there.

429
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Speaker 2: Oh my gosh. Yeah, and you're not even going to

430
00:20:21,000 --> 00:20:23,159
Speaker 2: read two hundred books in a year. So like, I

431
00:20:23,160 --> 00:20:25,560
Speaker 2: think that's a smart thing to just have a folder

432
00:20:25,560 --> 00:20:27,680
Speaker 2: and be like, these are on my wish list.

433
00:20:28,080 --> 00:20:28,280
Speaker 1: Yeah.

434
00:20:28,440 --> 00:20:30,679
Speaker 3: I sometimes have to go to office works for work

435
00:20:30,920 --> 00:20:34,040
Speaker 3: to print stuff. That's a dangerous game as well.

436
00:20:34,480 --> 00:20:36,680
Speaker 2: What are you buying at office works all.

437
00:20:36,600 --> 00:20:39,840
Speaker 3: The pens and the highlighters and the sticky notes.

438
00:20:40,400 --> 00:20:42,720
Speaker 2: Same. I feel like you're keeping West Farmers in business

439
00:20:42,760 --> 00:20:45,720
Speaker 2: because the people who own Camut also own office Works,

440
00:20:45,800 --> 00:20:48,240
Speaker 2: and so like you're in a very committed relationship with them.

441
00:20:48,560 --> 00:20:51,119
Speaker 3: Makes sense. I think for me, like a lot of

442
00:20:51,119 --> 00:20:53,720
Speaker 3: it too, is I convince myself that it will help

443
00:20:53,880 --> 00:20:57,080
Speaker 3: with my anxiety or my ADHD, and then it just

444
00:20:57,080 --> 00:20:58,159
Speaker 3: sits there and I don't use it.

445
00:20:58,880 --> 00:21:01,119
Speaker 2: Yeah. See, I used to do exactly the same thing.

446
00:21:01,160 --> 00:21:02,199
Speaker 2: I'm like, do you know what if I get a

447
00:21:02,200 --> 00:21:04,280
Speaker 2: whole new pencil case, I get some new highlighters, I'm

448
00:21:04,280 --> 00:21:06,360
Speaker 2: going to be so much more organized at UNI because

449
00:21:06,359 --> 00:21:08,800
Speaker 2: I'm going to be able to take the most elite notes,

450
00:21:09,240 --> 00:21:11,040
Speaker 2: and then I'd play on my phone the whole lecture.

451
00:21:11,200 --> 00:21:15,760
Speaker 3: So yeah, yeah, exactly it. So now I'm pretty much

452
00:21:15,840 --> 00:21:18,240
Speaker 3: go when I don't have a lot of time to

453
00:21:18,280 --> 00:21:20,800
Speaker 3: walk around, I pretty much only have the time to

454
00:21:20,840 --> 00:21:23,119
Speaker 3: go in, get what I need and then leave smart.

455
00:21:23,119 --> 00:21:24,800
Speaker 3: I try not to go to the shopping center unless

456
00:21:24,840 --> 00:21:26,879
Speaker 3: I really have to, and if I do have to,

457
00:21:27,119 --> 00:21:30,080
Speaker 3: I will take my partner with me because.

458
00:21:29,880 --> 00:21:30,880
Speaker 2: He can control it.

459
00:21:31,480 --> 00:21:33,760
Speaker 3: Yeah, he's very much like if I find something I

460
00:21:33,880 --> 00:21:35,600
Speaker 3: like and I'm like, oh, I really like this and

461
00:21:35,640 --> 00:21:38,000
Speaker 3: he's like, okay, well are you actually going to use it?

462
00:21:38,080 --> 00:21:40,520
Speaker 2: And I'm like no, but that's not the point.

463
00:21:41,800 --> 00:21:44,000
Speaker 3: Yeah, so he knows me very well and he's like, no,

464
00:21:44,119 --> 00:21:47,040
Speaker 3: it's like not that expensive, like you know, you'll probably

465
00:21:47,119 --> 00:21:48,880
Speaker 3: use it a lot, Like it's fine, you can buy it.

466
00:21:49,040 --> 00:21:52,520
Speaker 2: So yeah, that's quite helpful. I feel like this is

467
00:21:52,520 --> 00:21:54,960
Speaker 2: where my tip of putting twenty four hours between you

468
00:21:55,000 --> 00:21:57,320
Speaker 2: and your spending really comes in. And I feel like

469
00:21:57,359 --> 00:22:00,119
Speaker 2: you're already halfway there with your folder for books and

470
00:22:00,160 --> 00:22:02,480
Speaker 2: your wish list. It's like, in the future, maybe we

471
00:22:02,480 --> 00:22:04,000
Speaker 2: can take a whole heap of photos of all the

472
00:22:04,040 --> 00:22:05,719
Speaker 2: other stuff that you want and go, you know what,

473
00:22:06,040 --> 00:22:08,720
Speaker 2: I do really want this. I'll make a point of

474
00:22:08,800 --> 00:22:11,240
Speaker 2: coming back tomorrow if I still want it. And if

475
00:22:11,280 --> 00:22:13,320
Speaker 2: you're anything like me, you forgot you took the photo

476
00:22:13,400 --> 00:22:15,560
Speaker 2: and you've just forgotten the whole thing the next day.

477
00:22:15,840 --> 00:22:19,280
Speaker 3: Yeah. I normally even try and leave maybe like two

478
00:22:19,320 --> 00:22:20,200
Speaker 3: weeks in between.

479
00:22:20,640 --> 00:22:23,760
Speaker 2: I have not that level of self control. So that's impressive.

480
00:22:24,200 --> 00:22:26,159
Speaker 3: It's either I'm buying it right then and there, or

481
00:22:26,160 --> 00:22:28,360
Speaker 3: I'm sitting on it and thinking about it for ages.

482
00:22:29,320 --> 00:22:32,760
Speaker 3: So yeah, but also my partner doesn't like going to

483
00:22:32,800 --> 00:22:36,320
Speaker 3: the shops. He absolutely hates shopping, So if I have

484
00:22:36,400 --> 00:22:39,199
Speaker 3: to go and get something, he's someone that will just

485
00:22:39,200 --> 00:22:40,040
Speaker 3: complain the whole time.

486
00:22:40,200 --> 00:22:43,040
Speaker 2: Kind of helpful for getting out of the shops quickly, though, exactly.

487
00:22:43,080 --> 00:22:44,159
Speaker 3: So that's why I take him with me.

488
00:22:44,480 --> 00:22:46,399
Speaker 2: It's kind of like going shopping with the toddler, like

489
00:22:46,400 --> 00:22:48,359
Speaker 2: they just sick of it after ten minutes.

490
00:22:48,760 --> 00:22:51,159
Speaker 3: Yep. So I get what I need and then we

491
00:22:51,240 --> 00:22:53,560
Speaker 3: have to leave because otherwise he's complaining and I get annoyed.

492
00:22:53,800 --> 00:22:56,840
Speaker 2: So just to like loop this back, your impulse spending

493
00:22:56,880 --> 00:23:00,439
Speaker 2: hasn't contributed to your personal debts. It's obvious kind of

494
00:23:00,440 --> 00:23:04,000
Speaker 2: probably stopping you from building up an emergency fund and yeah,

495
00:23:04,280 --> 00:23:06,520
Speaker 2: being exactly where you want to be, but you seem

496
00:23:06,680 --> 00:23:09,680
Speaker 2: incredibly self aware of what is going on and what

497
00:23:09,720 --> 00:23:13,280
Speaker 2: that actually looks like. But you're also in a position

498
00:23:13,320 --> 00:23:17,399
Speaker 2: where you've dropped down your income significantly. So talk to

499
00:23:17,440 --> 00:23:20,600
Speaker 2: me about I guess the impact of your impulse spending.

500
00:23:20,680 --> 00:23:23,280
Speaker 2: Is it just frustrating, is it something that's actually holding

501
00:23:23,320 --> 00:23:25,080
Speaker 2: you back, or is it something that you're like, no,

502
00:23:25,240 --> 00:23:28,280
Speaker 2: this is like for me, just like another mental load

503
00:23:28,359 --> 00:23:29,320
Speaker 2: or what does that look like?

504
00:23:29,960 --> 00:23:33,240
Speaker 3: I think it's definitely more of a mental load. But

505
00:23:33,320 --> 00:23:35,960
Speaker 3: I think also at the moment, because I actually don't

506
00:23:36,160 --> 00:23:40,520
Speaker 3: really have the money to go and do shopping and

507
00:23:40,600 --> 00:23:44,280
Speaker 3: do that impulse spending, it hasn't been as bad as

508
00:23:44,320 --> 00:23:46,760
Speaker 3: of late because for me, it's like the things that

509
00:23:46,840 --> 00:23:49,320
Speaker 3: I actually need to pay for, you know, if that's

510
00:23:49,320 --> 00:23:54,080
Speaker 3: just my psychologists appointment or whatever. To me, that's more

511
00:23:54,119 --> 00:23:57,080
Speaker 3: important than you know, whatever I'm about to pick up

512
00:23:57,080 --> 00:23:58,920
Speaker 3: at the shop. So I just keep in trying to

513
00:23:58,960 --> 00:24:01,760
Speaker 3: remind myself of that. But yeah, when I was working

514
00:24:01,800 --> 00:24:04,520
Speaker 3: full time, it was a real issue, and I would

515
00:24:04,520 --> 00:24:06,119
Speaker 3: go to Kmart and I would spend like three hundred

516
00:24:06,119 --> 00:24:06,639
Speaker 3: dollars in one go.

517
00:24:07,480 --> 00:24:09,080
Speaker 2: Yeah, then you're like, where did this all go the

518
00:24:09,119 --> 00:24:10,879
Speaker 2: week after because you forgot what you bought.

519
00:24:11,640 --> 00:24:14,760
Speaker 3: Yeah, I've been really bad recently with buying new like

520
00:24:15,000 --> 00:24:16,440
Speaker 3: Douna covers and sheets.

521
00:24:16,800 --> 00:24:18,800
Speaker 2: Oh but if you have a good looking bed, do

522
00:24:18,880 --> 00:24:19,960
Speaker 2: you want to make it?

523
00:24:20,320 --> 00:24:22,160
Speaker 3: That's the theory never worked out.

524
00:24:23,760 --> 00:24:25,760
Speaker 2: Have you ever been like, Wow, I thought Victoria would

525
00:24:25,760 --> 00:24:27,720
Speaker 2: help me and instead she's just enabling me.

526
00:24:29,520 --> 00:24:31,720
Speaker 3: Yeah, my bed is currently not made.

527
00:24:31,880 --> 00:24:33,879
Speaker 2: Oh, mine is never made. Don't worry, because we have

528
00:24:33,960 --> 00:24:36,720
Speaker 2: this rule in our house that it's like last out

529
00:24:36,800 --> 00:24:39,359
Speaker 2: has to make the bed, and so that in theory

530
00:24:39,400 --> 00:24:41,280
Speaker 2: makes a lot of sense. But I'm always the last

531
00:24:41,280 --> 00:24:42,680
Speaker 2: out making the bed.

532
00:24:42,640 --> 00:24:43,320
Speaker 3: Are you suoking?

533
00:24:44,920 --> 00:24:48,080
Speaker 2: I love that, absolutely not. So that's probably a reflection

534
00:24:48,160 --> 00:24:51,920
Speaker 2: of who I am as a person. Next question, money diarist,

535
00:24:52,080 --> 00:24:54,439
Speaker 2: I want to know what's your best money habit.

536
00:24:54,600 --> 00:24:57,720
Speaker 3: I would say putting that fifty dollars each month into

537
00:24:57,760 --> 00:25:00,920
Speaker 3: my super But also I do so try and look

538
00:25:00,920 --> 00:25:05,159
Speaker 3: at my yearly expenses. I mean the fortnightly and weekly

539
00:25:05,160 --> 00:25:07,200
Speaker 3: ones are a bit different, but definitely those like ones

540
00:25:07,200 --> 00:25:09,960
Speaker 3: that come up every you know, three to twelve months,

541
00:25:10,600 --> 00:25:13,520
Speaker 3: so I can sort of try and put a portion

542
00:25:13,600 --> 00:25:16,040
Speaker 3: away each pay so that when it comes up it's

543
00:25:16,040 --> 00:25:16,960
Speaker 3: not a massive bill.

544
00:25:17,680 --> 00:25:19,920
Speaker 2: You are so calculated with this. I love it. This

545
00:25:20,000 --> 00:25:21,560
Speaker 2: is not neurospicy behavior.

546
00:25:22,200 --> 00:25:23,399
Speaker 3: It's the anxiety in me.

547
00:25:23,560 --> 00:25:26,680
Speaker 2: Yeah, okay, all right, So they're kind of like working together.

548
00:25:26,520 --> 00:25:28,960
Speaker 3: Because so, yeah, I foot pops up, then I'm probably

549
00:25:28,960 --> 00:25:30,400
Speaker 3: gonna have a panic attack because I'm like, I don't

550
00:25:30,400 --> 00:25:31,240
Speaker 3: know how I'm gonna pay for this.

551
00:25:31,600 --> 00:25:32,240
Speaker 2: Yeah, that's fair.

552
00:25:32,280 --> 00:25:33,840
Speaker 3: The thing is that I will sit and plan it

553
00:25:33,840 --> 00:25:36,720
Speaker 3: all out, but I'm not necessarily someone that then will

554
00:25:36,720 --> 00:25:37,679
Speaker 3: follow through with it.

555
00:25:38,200 --> 00:25:39,360
Speaker 2: Yeah, fair, So I.

556
00:25:39,359 --> 00:25:41,600
Speaker 3: Make myself feel good by planning it out, but not

557
00:25:41,640 --> 00:25:43,400
Speaker 3: so good is not following through.

558
00:25:43,920 --> 00:25:47,119
Speaker 2: Totally understand that. All right, next question, I feel like

559
00:25:47,119 --> 00:25:49,080
Speaker 2: we know what you're going to say, but I'm gonna

560
00:25:49,080 --> 00:25:51,720
Speaker 2: ask anyway, what do you think is your worst money habit?

561
00:25:51,880 --> 00:25:53,680
Speaker 3: Yeah, the impulse shopping yep.

562
00:25:53,760 --> 00:25:55,680
Speaker 2: Fair saw that coming a mile off my friend.

563
00:25:56,800 --> 00:25:59,439
Speaker 3: But yeah, as I said, like with the income at

564
00:25:59,440 --> 00:26:01,959
Speaker 3: the moment, it's been a bit different. But yeah, when

565
00:26:02,000 --> 00:26:04,040
Speaker 3: I was working full time, I would always just spend

566
00:26:04,040 --> 00:26:05,720
Speaker 3: money and then I'd be like, oh, just worry about

567
00:26:05,760 --> 00:26:08,440
Speaker 3: it later, and then later would come and it would

568
00:26:08,520 --> 00:26:09,160
Speaker 3: never end well.

569
00:26:09,400 --> 00:26:12,000
Speaker 2: So no, but I feel like you've learned a lot.

570
00:26:12,119 --> 00:26:15,760
Speaker 2: Like I feel like you are relatively self reflective, especially

571
00:26:15,760 --> 00:26:18,200
Speaker 2: for the situation you're in. Like when you wrote in

572
00:26:18,320 --> 00:26:20,439
Speaker 2: and said, look, I really want to talk about you know,

573
00:26:20,520 --> 00:26:24,400
Speaker 2: ADHD and what that means, because obviously ADHD is really

574
00:26:24,440 --> 00:26:28,200
Speaker 2: significant and does really impact your money story. I fully

575
00:26:28,280 --> 00:26:30,600
Speaker 2: was like, Okay, cool, she's going to come and potentially

576
00:26:30,680 --> 00:26:33,040
Speaker 2: have some personal debt. Obviously she's just quit her job

577
00:26:33,040 --> 00:26:35,359
Speaker 2: and I made a lot of assumptions about the money

578
00:26:35,359 --> 00:26:37,720
Speaker 2: story that I was diving into, and I feel like

579
00:26:37,760 --> 00:26:39,840
Speaker 2: you've really impressed me. You're like, no, no, no, Like

580
00:26:39,920 --> 00:26:43,000
Speaker 2: I'm really managing my impulse spending. I have this really

581
00:26:43,000 --> 00:26:45,280
Speaker 2: good folder on my phone. It's meaning that I'm not

582
00:26:45,320 --> 00:26:48,240
Speaker 2: impulse spending on books as much. Like I even try

583
00:26:48,240 --> 00:26:51,080
Speaker 2: to put two weeks between my spending. Like I can't

584
00:26:51,119 --> 00:26:53,840
Speaker 2: even do that, babe, Like that's impressive. You have some

585
00:26:53,880 --> 00:26:56,280
Speaker 2: really clear money goals, like you've already told me, Look,

586
00:26:56,280 --> 00:26:58,159
Speaker 2: I want to start my own business at some point.

587
00:26:58,840 --> 00:27:01,920
Speaker 2: Do you think that you are potentially putting a lot

588
00:27:01,920 --> 00:27:05,240
Speaker 2: of pressure on yourself when it comes to finances and

589
00:27:05,280 --> 00:27:07,520
Speaker 2: what you're trying to achieve and in the timeframe given

590
00:27:07,560 --> 00:27:13,320
Speaker 2: your income, Yeah, I would say so you're like yeah.

591
00:27:12,280 --> 00:27:14,320
Speaker 3: Yeah, no, And it comes back to as well, you know,

592
00:27:15,240 --> 00:27:21,040
Speaker 3: the difference between mom and dad and their view on money,

593
00:27:21,200 --> 00:27:24,159
Speaker 3: and then how that's sort of come out in me.

594
00:27:24,800 --> 00:27:26,320
Speaker 3: But yeah, I think I do put a lot of

595
00:27:26,320 --> 00:27:29,080
Speaker 3: pressure on myself, especially when all you're hearing all the

596
00:27:29,119 --> 00:27:31,040
Speaker 3: time is, oh, you know, like you're not really going

597
00:27:31,040 --> 00:27:32,639
Speaker 3: to be able to afford a house and all this stuff,

598
00:27:32,680 --> 00:27:34,879
Speaker 3: and it's like I'll make it work, Like I know

599
00:27:34,960 --> 00:27:37,600
Speaker 3: I'll be able to. You still get stressed about it,

600
00:27:37,680 --> 00:27:40,160
Speaker 3: and you still put all this pressure on yourself, especially

601
00:27:40,160 --> 00:27:44,960
Speaker 3: being you know, twenty two, I don't know when I'm

602
00:27:44,960 --> 00:27:46,480
Speaker 3: going to be able to afford to buy a house.

603
00:27:46,680 --> 00:27:49,840
Speaker 2: But you're also only twenty two, Like you're still a baby,

604
00:27:50,080 --> 00:27:53,080
Speaker 2: You're still at UNI. The fact that you've already basically

605
00:27:53,119 --> 00:27:56,080
Speaker 2: had a whole career in stubranuation and now you're writting.

606
00:27:56,200 --> 00:27:58,720
Speaker 2: You know, you're a studio coordinator, you're about to step

607
00:27:58,760 --> 00:28:01,280
Speaker 2: into being a full time per instructor. I feel like

608
00:28:01,320 --> 00:28:03,960
Speaker 2: you have so much ahead of yourself, and when I

609
00:28:04,000 --> 00:28:06,560
Speaker 2: look at this situation, I go, you're putting so much

610
00:28:06,600 --> 00:28:09,080
Speaker 2: pressure on yourself even though you're killing it at the moment.

611
00:28:09,720 --> 00:28:12,280
Speaker 2: Like even the idea that your big money goal when

612
00:28:12,280 --> 00:28:13,920
Speaker 2: I asked about it, wasn't like, oh, I want to

613
00:28:13,960 --> 00:28:15,440
Speaker 2: buy a house or I want to do this thing

614
00:28:15,480 --> 00:28:18,680
Speaker 2: that kind of is a little bit unobtainable at this point,

615
00:28:18,720 --> 00:28:21,119
Speaker 2: you were really realistic about that. You were like, actually,

616
00:28:21,160 --> 00:28:23,119
Speaker 2: my big money goal at the moment is paying for

617
00:28:23,160 --> 00:28:24,840
Speaker 2: what I need to pay for and making sure I've

618
00:28:24,840 --> 00:28:26,320
Speaker 2: got the money, and I really want to build an

619
00:28:26,320 --> 00:28:29,000
Speaker 2: emergency fund, and I'm like, Slay, that's exactly where you

620
00:28:29,040 --> 00:28:29,439
Speaker 2: need to be.

621
00:28:30,080 --> 00:28:32,679
Speaker 3: Yeah, I think for me, it's just been such a

622
00:28:32,880 --> 00:28:36,600
Speaker 3: difference earning so much for my age of course, and

623
00:28:36,640 --> 00:28:39,040
Speaker 3: then like moving into this but at the same time,

624
00:28:39,280 --> 00:28:43,360
Speaker 3: like my mental health has been so much better.

625
00:28:43,480 --> 00:28:45,600
Speaker 2: I was about to say, how's your mental health?

626
00:28:45,920 --> 00:28:49,800
Speaker 3: It's a lot better because where I was working like

627
00:28:49,920 --> 00:28:53,200
Speaker 3: fifty five hours a week plus UNI plus my Plarti's course,

628
00:28:53,640 --> 00:28:55,120
Speaker 3: plus trying to like see my friends and all this

629
00:28:55,200 --> 00:28:57,360
Speaker 3: kind of stuff, and it just wasn't obtainable at all,

630
00:28:58,200 --> 00:29:02,800
Speaker 3: and I was just consistently anxious. So yeah, I think

631
00:29:03,320 --> 00:29:06,239
Speaker 3: I knew when I first started at that job it

632
00:29:06,360 --> 00:29:10,160
Speaker 3: wasn't a forever job for me. I had the party's job,

633
00:29:10,200 --> 00:29:11,960
Speaker 3: and I was like, you know what, I live at

634
00:29:11,960 --> 00:29:15,320
Speaker 3: home still, Like now I just need to start taking

635
00:29:15,320 --> 00:29:19,080
Speaker 3: care of myself and just focus on moving on and

636
00:29:19,120 --> 00:29:22,280
Speaker 3: into what I actually want to do. So yeah, it's

637
00:29:22,280 --> 00:29:23,360
Speaker 3: definitely been a lot better.

638
00:29:23,680 --> 00:29:25,800
Speaker 2: That makes me so happy, Like I'm so proud of

639
00:29:25,840 --> 00:29:28,520
Speaker 2: you that you made those decisions, but also you've just

640
00:29:28,560 --> 00:29:31,920
Speaker 2: got this air of reflection about you that most twenty

641
00:29:31,920 --> 00:29:33,959
Speaker 2: two year olds don't have. Let's be honest, like at

642
00:29:33,960 --> 00:29:36,400
Speaker 2: twenty two, I was in a mountain of debt, pretending

643
00:29:36,400 --> 00:29:40,040
Speaker 2: it didn't exist, like partying until the sun came up.

644
00:29:40,120 --> 00:29:42,640
Speaker 2: Like it was a lot at twenty two, and I

645
00:29:42,720 --> 00:29:45,400
Speaker 2: just go wow, Like you have so much ahead of you.

646
00:29:45,880 --> 00:29:48,560
Speaker 2: The fact that you're already thinking about superannuation, you have

647
00:29:48,600 --> 00:29:52,240
Speaker 2: a really good super fund, You're making additional contributions, you're

648
00:29:52,280 --> 00:29:55,280
Speaker 2: aware of what that means. You're like, you know, leveraging

649
00:29:55,360 --> 00:29:59,360
Speaker 2: your government co contribution. Like everything just makes sense here

650
00:29:59,680 --> 00:30:02,440
Speaker 2: and can just see such a bright financial future. It

651
00:30:02,440 --> 00:30:05,040
Speaker 2: makes me so happy. Even though I guess you overlay

652
00:30:05,080 --> 00:30:07,680
Speaker 2: it with going We'll v I'm still really stressed about it.

653
00:30:07,760 --> 00:30:10,680
Speaker 2: I still struggle with ADHD. I'm still anxious. Like all

654
00:30:10,720 --> 00:30:13,760
Speaker 2: of those things they make sense, but I just feel

655
00:30:13,800 --> 00:30:15,600
Speaker 2: like there's a lot of pressure you're putting on yourself,

656
00:30:15,640 --> 00:30:19,840
Speaker 2: which is very ADHD of you. Yeah, I was gonna say, like,

657
00:30:19,880 --> 00:30:21,560
Speaker 2: you're putting a lot of pressure on yourself to be

658
00:30:21,640 --> 00:30:23,400
Speaker 2: the best of the best. But at the same time,

659
00:30:23,440 --> 00:30:25,360
Speaker 2: I'm like, do you think that your friends look at

660
00:30:25,360 --> 00:30:29,040
Speaker 2: you and go, wow, money, Darist really has her stuff together.

661
00:30:29,560 --> 00:30:33,640
Speaker 3: That's a really good question that I don't know if

662
00:30:33,840 --> 00:30:35,200
Speaker 3: I can answer, no.

663
00:30:35,320 --> 00:30:37,320
Speaker 2: We know they do. We know your friends are looking

664
00:30:37,360 --> 00:30:39,920
Speaker 2: at you going money Darrest has got it together. They

665
00:30:39,920 --> 00:30:41,720
Speaker 2: don't see this side of you, do they. They don't

666
00:30:41,720 --> 00:30:44,440
Speaker 2: see you going, oh my impulse spending's out of control

667
00:30:44,440 --> 00:30:46,440
Speaker 2: and I'm really stressed about this that the other they're

668
00:30:46,440 --> 00:30:48,880
Speaker 2: probably looking at you going, holy moly, she had this

669
00:30:49,000 --> 00:30:51,920
Speaker 2: really cool job. She's now stepped more into Pilate's like

670
00:30:51,960 --> 00:30:54,320
Speaker 2: she's following her dreams. Like if you or my friend,

671
00:30:54,360 --> 00:30:56,240
Speaker 2: I'd be like, she's living her best life and I'm

672
00:30:56,320 --> 00:30:58,520
Speaker 2: envious of that. Yeah, no one knows who you are,

673
00:30:58,600 --> 00:31:00,360
Speaker 2: so it's fine. You can have a few tinke. It's

674
00:31:00,360 --> 00:31:01,920
Speaker 2: on yourself here. No one's going to be like, oh

675
00:31:01,920 --> 00:31:03,800
Speaker 2: my gosh, I can't believe x y Z said that

676
00:31:03,800 --> 00:31:04,840
Speaker 2: because they don't know who you are.

677
00:31:05,320 --> 00:31:08,080
Speaker 3: I know, I think that I do question myself a lot,

678
00:31:08,160 --> 00:31:10,520
Speaker 3: and I'm very lucky that, like I can be so

679
00:31:10,600 --> 00:31:12,080
Speaker 3: open with my partner.

680
00:31:12,320 --> 00:31:13,840
Speaker 2: Yeah, that's what you need, and.

681
00:31:13,800 --> 00:31:19,600
Speaker 3: I mean sometimes you know, he's very lucky with his finances.

682
00:31:19,720 --> 00:31:21,640
Speaker 3: He doesn't really have to pay for anything and he

683
00:31:21,680 --> 00:31:24,040
Speaker 3: still lives at home with his parents, and you know

684
00:31:24,600 --> 00:31:27,000
Speaker 3: him and his investing is crazy.

685
00:31:27,280 --> 00:31:28,880
Speaker 2: See You're going to be a rich power couple.

686
00:31:29,400 --> 00:31:30,240
Speaker 3: That's the goal.

687
00:31:30,520 --> 00:31:31,080
Speaker 2: I love it.

688
00:31:31,720 --> 00:31:34,520
Speaker 3: Yeah, but he's very good in reminding me and like

689
00:31:34,560 --> 00:31:37,479
Speaker 3: bringing me back down, you know, grounding me and saying, like,

690
00:31:37,920 --> 00:31:39,880
Speaker 3: you know, you've done this for this reason. It's just

691
00:31:40,680 --> 00:31:42,600
Speaker 3: short term and I just need to keep telling myself

692
00:31:42,600 --> 00:31:44,160
Speaker 3: like it's short term pain, long term gain.

693
00:31:44,520 --> 00:31:47,000
Speaker 2: Yeah. All right, I have two more questions for you. Yes,

694
00:31:47,320 --> 00:31:50,040
Speaker 2: So the first question I want to ask is actually

695
00:31:50,040 --> 00:31:54,080
Speaker 2: around ADHD when you were diagnosed last December, what was

696
00:31:54,080 --> 00:31:56,200
Speaker 2: the thing that finally made the most sense.

697
00:31:56,840 --> 00:32:00,440
Speaker 3: I think the not being able to like stay focused

698
00:32:00,440 --> 00:32:05,480
Speaker 3: on a task. I would get distracted so easily. And

699
00:32:05,520 --> 00:32:07,520
Speaker 3: then I remember the first day I took my medication

700
00:32:07,680 --> 00:32:09,200
Speaker 3: and I sat in front of my computer and worked

701
00:32:09,200 --> 00:32:11,280
Speaker 3: for eleven hours straight, and I was so focused.

702
00:32:12,200 --> 00:32:13,080
Speaker 2: Isn't it crazy?

703
00:32:13,640 --> 00:32:14,720
Speaker 3: It's actually insane.

704
00:32:15,000 --> 00:32:17,040
Speaker 2: And I'm not saying this because, oh my gosh, medication

705
00:32:17,160 --> 00:32:20,280
Speaker 2: is great, but like it's kind of like, because you

706
00:32:20,360 --> 00:32:25,680
Speaker 2: have ADHD, you already are quite intelligent, and you already

707
00:32:25,760 --> 00:32:28,720
Speaker 2: are like wanting to do that eleven hours of work, right,

708
00:32:28,760 --> 00:32:31,120
Speaker 2: you just don't have the ability to. And the second

709
00:32:31,160 --> 00:32:34,240
Speaker 2: you're given the ability to do that, you're like, holy moly,

710
00:32:34,280 --> 00:32:36,920
Speaker 2: I can smash the whole day out Like that's literally meah,

711
00:32:37,400 --> 00:32:40,520
Speaker 2: and it's wild that you then do it, like and

712
00:32:40,560 --> 00:32:42,240
Speaker 2: then you've just got to make sure that once you

713
00:32:42,280 --> 00:32:45,160
Speaker 2: do start medication, you're caring about your well being and

714
00:32:45,160 --> 00:32:47,600
Speaker 2: making sure you're still going to pilarates and still eating lunch.

715
00:32:47,640 --> 00:32:50,960
Speaker 2: Because once you get that focus, it's kind of like

716
00:32:51,000 --> 00:32:53,240
Speaker 2: gifted back to you in a way. You're like, oh,

717
00:32:53,280 --> 00:32:55,360
Speaker 2: this is all I care about now, which is not

718
00:32:55,480 --> 00:32:57,080
Speaker 2: good sometimes as well.

719
00:32:57,680 --> 00:33:00,520
Speaker 3: Yeah, I think like even the hyperfocus around the things

720
00:33:00,520 --> 00:33:03,520
Speaker 3: that you're actually really passionate about, Like the things that

721
00:33:03,560 --> 00:33:06,000
Speaker 3: I just did not care for, I would leave the

722
00:33:06,120 --> 00:33:08,240
Speaker 3: last minute and I would only smash it out when

723
00:33:08,280 --> 00:33:12,240
Speaker 3: it became like they absolutely had to do it. But

724
00:33:12,360 --> 00:33:14,320
Speaker 3: I could sit there and hyper focus on something that

725
00:33:14,360 --> 00:33:16,960
Speaker 3: I was really enjoying and sit there for like five hours.

726
00:33:17,280 --> 00:33:19,400
Speaker 2: Yeah, and it would be confusing because you're like, why

727
00:33:19,440 --> 00:33:21,880
Speaker 2: can't I just do the exact same thing with my

728
00:33:22,040 --> 00:33:24,200
Speaker 2: uni assignment that's due. That would take a lot of

729
00:33:24,200 --> 00:33:26,200
Speaker 2: pressure off me. Am I going to do that? Absolutely not?

730
00:33:26,240 --> 00:33:27,040
Speaker 2: Why wouldn't do that?

731
00:33:27,400 --> 00:33:29,920
Speaker 3: Yep, that's pretty much it. I don't know, if you

732
00:33:30,000 --> 00:33:32,120
Speaker 3: know this, But you know that voice in your head

733
00:33:32,160 --> 00:33:34,200
Speaker 3: that's like talking to you all the time. Yeah, that's

734
00:33:34,200 --> 00:33:36,520
Speaker 3: not a thing for normal people. No, I know, blew

735
00:33:37,200 --> 00:33:37,760
Speaker 3: my mind.

736
00:33:38,000 --> 00:33:40,040
Speaker 2: I sounded insane when I was like, yeah, yeah, but

737
00:33:40,080 --> 00:33:41,600
Speaker 2: the voice in your head that doesn't stop you know

738
00:33:41,640 --> 00:33:44,680
Speaker 2: that one They're like distracts you. They're like, Victoria, are

739
00:33:44,720 --> 00:33:47,960
Speaker 2: you all right? And I'm like, yeah, don't you all

740
00:33:48,040 --> 00:33:49,360
Speaker 2: have that voice in your head?

741
00:33:49,640 --> 00:33:51,240
Speaker 3: My partner will be laying there, I'm like, what do

742
00:33:51,240 --> 00:33:52,560
Speaker 3: you think about it? He's like nothing. I'm like, how are

743
00:33:52,560 --> 00:33:53,320
Speaker 3: you thinking about nothing?

744
00:33:53,480 --> 00:33:54,720
Speaker 2: How do you think about nothing?

745
00:33:55,240 --> 00:33:58,000
Speaker 3: It's insane. I think that can put a lot of

746
00:33:58,040 --> 00:34:02,080
Speaker 3: pressure on yourself as well, because is that's going all

747
00:34:02,120 --> 00:34:02,520
Speaker 3: the time.

748
00:34:02,840 --> 00:34:03,960
Speaker 2: No, I totally get that.

749
00:34:04,440 --> 00:34:07,680
Speaker 3: And it's conflicting with what you know. So yeah, it's

750
00:34:07,680 --> 00:34:09,040
Speaker 3: trying to tell you something different to what you know,

751
00:34:09,080 --> 00:34:11,359
Speaker 3: and then that can get really confusing and stressful as well.

752
00:34:11,640 --> 00:34:14,399
Speaker 2: No, I totally agree. All right, last question I've got

753
00:34:14,400 --> 00:34:18,080
Speaker 2: for you. At the start of this episode, you graded

754
00:34:18,120 --> 00:34:20,439
Speaker 2: yourself a C plus. We have now had a really

755
00:34:20,440 --> 00:34:23,239
Speaker 2: beautiful conversation. I feel like I've learned so much about you,

756
00:34:23,280 --> 00:34:25,759
Speaker 2: but I want to know after this conversation and like

757
00:34:25,840 --> 00:34:28,359
Speaker 2: a little bit of self reflection. Do you think you're

758
00:34:28,400 --> 00:34:31,040
Speaker 2: still a C plus? If so, why if not, what

759
00:34:31,080 --> 00:34:32,359
Speaker 2: do you think your grade is?

760
00:34:32,600 --> 00:34:34,160
Speaker 3: I think I'm gonna give myself a B plus.

761
00:34:34,360 --> 00:34:36,120
Speaker 2: All right, that feels like a good upgrade.

762
00:34:36,400 --> 00:34:39,760
Speaker 3: Yeah, there's still room for improvement. But yeah, I think

763
00:34:40,520 --> 00:34:43,759
Speaker 3: that I was not giving myself credit where credit.

764
00:34:43,520 --> 00:34:45,920
Speaker 2: Was due exactly. I feel like you're putting so much

765
00:34:45,960 --> 00:34:49,239
Speaker 2: pressure on yourself. Tell me what it would take to

766
00:34:49,280 --> 00:34:51,520
Speaker 2: get from a B plus to an A plus, Like

767
00:34:51,600 --> 00:34:53,960
Speaker 2: what is that journey looking like?

768
00:34:54,280 --> 00:34:58,799
Speaker 3: I think just having that financial freedom of it not

769
00:34:58,960 --> 00:35:03,040
Speaker 3: being a stress, so having that emergency fund, having that savings,

770
00:35:03,080 --> 00:35:06,239
Speaker 3: and not needing to watch every dollar go in and

771
00:35:06,280 --> 00:35:07,080
Speaker 3: out of my account.

772
00:35:07,400 --> 00:35:09,719
Speaker 2: How good is that? Because you're on the tractor doing

773
00:35:09,800 --> 00:35:12,360
Speaker 2: exactly that, Like you don't even need to make behavioral change.

774
00:35:12,520 --> 00:35:14,399
Speaker 2: You already told me that was your big money goal.

775
00:35:14,440 --> 00:35:16,839
Speaker 2: And with you, you know, about to graduate from your

776
00:35:16,840 --> 00:35:20,919
Speaker 2: Polarates course, you're gonna be like a full proper Pilates instructor.

777
00:35:21,320 --> 00:35:23,000
Speaker 2: I'm so excited for this for you.

778
00:35:23,920 --> 00:35:25,440
Speaker 3: Thank you. I'm excited as well.

779
00:35:25,880 --> 00:35:28,279
Speaker 2: Oh my gosh, money, Darrest, I'm so sorry, but this

780
00:35:28,360 --> 00:35:30,560
Speaker 2: is all we have time for today. It has been

781
00:35:30,600 --> 00:35:33,520
Speaker 2: an absolute pleasure getting to know you. Thank you so

782
00:35:33,600 --> 00:35:35,920
Speaker 2: much for sharing so much about yourself and your journey

783
00:35:35,960 --> 00:35:39,520
Speaker 2: with our community. I know they are all so incredibly grateful.

784
00:35:40,120 --> 00:35:40,960
Speaker 3: Thanks for having me.

785
00:35:41,520 --> 00:35:50,800
Speaker 2: Of course, the advice shared on She's on the Money

786
00:35:50,920 --> 00:35:54,640
Speaker 2: is generally nature and does not consider your individual circumstances.

787
00:35:55,000 --> 00:35:58,440
Speaker 2: She's on the Money exists purely for educational purposes and

788
00:35:58,480 --> 00:36:01,960
Speaker 2: should not be relied upon to can investment all financial decision.

789
00:36:02,360 --> 00:36:04,799
Speaker 2: If you do choose to buy a financial product, read

790
00:36:04,840 --> 00:36:09,000
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

791
00:36:09,000 --> 00:36:12,279
Speaker 2: your needs. Victoria Divine and She's on the Money are

792
00:36:12,360 --> 00:36:15,960
Speaker 2: authorized representatives of Money sherper P t y lt D

793
00:36:16,200 --> 00:36:18,560
Speaker 2: A b N three two one IS six four nine

794
00:36:18,719 --> 00:36:22,239
Speaker 2: two seven seven zero eight AFS L four five one

795
00:36:22,440 --> 00:36:25,400
Speaker 2: two eight nine