1 00:00:00,600 --> 00:00:04,840 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud or 2 00:00:04,880 --> 00:00:08,600 Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before 3 00:00:08,600 --> 00:00:11,080 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,119 --> 00:00:14,240 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,360 --> 00:00:17,599 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,079 --> 00:00:22,200 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,239 --> 00:00:26,880 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,000 --> 00:00:30,040 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,160 --> 00:00:33,040 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,240 --> 00:00:34,120 Speaker 2: Let's get into it. 11 00:00:34,280 --> 00:00:53,519 Speaker 3: She's on the Money. She's on the Money. 12 00:00:57,160 --> 00:01:00,000 Speaker 4: Hello, and welcome to She's on the Money the podcast 13 00:01:00,160 --> 00:01:02,880 Speaker 4: let's you be pervy about other people's money habits for 14 00:01:03,160 --> 00:01:06,560 Speaker 4: educational purposes of course. Welcome back to another one of 15 00:01:06,600 --> 00:01:08,720 Speaker 4: our money diaries where we get to talk with one 16 00:01:08,760 --> 00:01:11,280 Speaker 4: of our incredible She's on the Money community members all 17 00:01:11,280 --> 00:01:13,920 Speaker 4: about their journey. Let's jump straight into it, because this 18 00:01:14,040 --> 00:01:17,040 Speaker 4: week I got a message and it sounded exactly like this, 19 00:01:17,440 --> 00:01:20,679 Speaker 4: Dear She's on the Money. When my parents divorced, I 20 00:01:20,800 --> 00:01:23,760 Speaker 4: learnt one thing. I never want to find myself in 21 00:01:23,800 --> 00:01:28,160 Speaker 4: their financial position. From that moment, I've worked tirelessly to 22 00:01:28,200 --> 00:01:31,759 Speaker 4: build a life of independence and security. To reach my goals, 23 00:01:31,760 --> 00:01:35,200 Speaker 4: I've juggled multiple jobs, from rearing cows on my family 24 00:01:35,240 --> 00:01:39,240 Speaker 4: farm to nannying and tutoring the common thread. Almost every 25 00:01:39,319 --> 00:01:42,679 Speaker 4: opportunity I've had, even my current job, has come from 26 00:01:42,720 --> 00:01:46,000 Speaker 4: the relationships I've filed along the way. At twenty five, 27 00:01:46,480 --> 00:01:50,320 Speaker 4: I've reached one hundred thousand dollars in shares, and I'm 28 00:01:50,360 --> 00:01:53,120 Speaker 4: now planning to buy and rent Best my first property. 29 00:01:53,560 --> 00:01:56,360 Speaker 4: If my journey has taught me anything it's the power 30 00:01:56,400 --> 00:02:00,680 Speaker 4: of strong connections and the doors that they can open money. Darist, 31 00:02:01,160 --> 00:02:05,240 Speaker 4: this sounds so pervy, so interesting, like it's a real 32 00:02:05,320 --> 00:02:07,600 Speaker 4: story of like it's not what you know it too, you. 33 00:02:07,520 --> 00:02:10,720 Speaker 2: Know absolutely yep. Every step of the way can attest 34 00:02:10,760 --> 00:02:11,200 Speaker 2: to that one. 35 00:02:11,360 --> 00:02:13,760 Speaker 4: Oh, I can't wait to learn more about this. I 36 00:02:13,760 --> 00:02:15,600 Speaker 4: feel like you're going to tell me a lot about 37 00:02:15,639 --> 00:02:18,040 Speaker 4: how to win friends and influence people. But before we 38 00:02:18,160 --> 00:02:20,680 Speaker 4: get there, what grade would you give your money habits 39 00:02:20,680 --> 00:02:22,200 Speaker 4: if I asked you to give them a grade from 40 00:02:22,200 --> 00:02:23,000 Speaker 4: A through to F. 41 00:02:23,200 --> 00:02:26,040 Speaker 2: Probably a B plus to a minus at the moment, 42 00:02:26,160 --> 00:02:27,840 Speaker 2: always room to improve there. 43 00:02:27,680 --> 00:02:30,440 Speaker 4: So okay, I want to know more about that. But 44 00:02:30,440 --> 00:02:32,720 Speaker 4: before we get there, my favorite question of all time, 45 00:02:32,960 --> 00:02:35,600 Speaker 4: money darist, can you share a little bit more about 46 00:02:35,639 --> 00:02:36,480 Speaker 4: your money story. 47 00:02:36,680 --> 00:02:40,560 Speaker 2: So I grew up on a farm, which you got 48 00:02:40,560 --> 00:02:43,160 Speaker 2: that from the intro in there. I did pick up 49 00:02:43,160 --> 00:02:47,280 Speaker 2: that vibe and got my first job while in high 50 00:02:47,280 --> 00:02:50,480 Speaker 2: school as soon as I could, and that was I guess. 51 00:02:50,919 --> 00:02:52,799 Speaker 2: In my time in high school, it was very much 52 00:02:52,840 --> 00:02:55,160 Speaker 2: to save for your first car, and that was the 53 00:02:55,200 --> 00:02:58,480 Speaker 2: first savings goal on the list. I guess. I had 54 00:02:58,520 --> 00:03:01,600 Speaker 2: a lot of different jobs in a high school. I 55 00:03:01,639 --> 00:03:05,760 Speaker 2: worked at the local bakery. I waitressed on weekends. In 56 00:03:05,840 --> 00:03:07,720 Speaker 2: all of the sport that I was playing as well, 57 00:03:07,840 --> 00:03:10,359 Speaker 2: I was umpiring and doing things like that as well. 58 00:03:10,800 --> 00:03:13,280 Speaker 2: And then on the farm, if we had a potty 59 00:03:13,320 --> 00:03:16,120 Speaker 2: lamb or a potty calf that had lost their mum, 60 00:03:16,200 --> 00:03:18,760 Speaker 2: we were allowed to feed at morning and night and 61 00:03:18,800 --> 00:03:21,360 Speaker 2: we would reap the money from when we'd sell those 62 00:03:21,760 --> 00:03:25,239 Speaker 2: calves or lambs on so it was a great little 63 00:03:25,360 --> 00:03:26,560 Speaker 2: cash grab, I guess. 64 00:03:26,840 --> 00:03:29,480 Speaker 4: Oh my gosh, my mum used to do that growing up. 65 00:03:29,760 --> 00:03:31,480 Speaker 4: Because my mum grew up on a farm. She used 66 00:03:31,480 --> 00:03:33,520 Speaker 4: to do the same thing, like if you reared the 67 00:03:34,120 --> 00:03:36,600 Speaker 4: animal that became kind of your responsibility, and then when 68 00:03:36,640 --> 00:03:38,720 Speaker 4: you sold it, that was your profit. Did you say 69 00:03:38,720 --> 00:03:41,760 Speaker 4: a potty lamb? What does that mean? Specific I feel 70 00:03:41,760 --> 00:03:43,160 Speaker 4: like I've picked up the vibe, but I don't know 71 00:03:43,200 --> 00:03:43,760 Speaker 4: what that means. 72 00:03:44,000 --> 00:03:46,720 Speaker 2: So they're like your little pet lamb. I guess that 73 00:03:46,880 --> 00:03:49,760 Speaker 2: have lost their mum or mom couldn't take on twins 74 00:03:49,800 --> 00:03:51,760 Speaker 2: or triplets, so we'd take one off of her to 75 00:03:51,880 --> 00:03:54,320 Speaker 2: give them the better shot at life, I guess. But 76 00:03:54,360 --> 00:03:58,120 Speaker 2: it was a great little after school evening activity until 77 00:03:58,160 --> 00:04:00,440 Speaker 2: it started raining and you didn't really to go out 78 00:04:00,440 --> 00:04:01,560 Speaker 2: the back, but you were their care. 79 00:04:01,800 --> 00:04:03,800 Speaker 4: Did you have a couple of siblings growing up. 80 00:04:03,920 --> 00:04:06,320 Speaker 2: Yes, I've got two younger brothers, so they were all 81 00:04:06,320 --> 00:04:07,200 Speaker 2: in on that as well. 82 00:04:07,280 --> 00:04:09,960 Speaker 4: And did you like have little arguments over who gets 83 00:04:09,960 --> 00:04:10,640 Speaker 4: the next one? 84 00:04:10,680 --> 00:04:13,680 Speaker 2: We had designated jobs per se, so it kind of 85 00:04:13,720 --> 00:04:16,159 Speaker 2: like rotated in threes as to who got the next 86 00:04:16,160 --> 00:04:18,360 Speaker 2: one or who had the time at that time. 87 00:04:18,480 --> 00:04:19,919 Speaker 4: Yeah, yeah, because I would have been like, no, I 88 00:04:19,920 --> 00:04:21,839 Speaker 4: want all the sheepies, like I want all of them, 89 00:04:21,880 --> 00:04:23,280 Speaker 4: thank you. I love that. 90 00:04:23,400 --> 00:04:26,400 Speaker 2: And then one sibling had took so the took egg 91 00:04:26,440 --> 00:04:29,039 Speaker 2: money that we used to give to friends and family 92 00:04:29,160 --> 00:04:30,880 Speaker 2: used to go to them, so we kind of divvy 93 00:04:31,000 --> 00:04:32,000 Speaker 2: other up easy enough. 94 00:04:32,400 --> 00:04:34,600 Speaker 4: That's really cute. So tell me what happened as you 95 00:04:34,680 --> 00:04:35,400 Speaker 4: got a bit older. 96 00:04:35,520 --> 00:04:37,400 Speaker 2: So as I got a little bit older, I had 97 00:04:37,440 --> 00:04:42,000 Speaker 2: a gap year before starting UNI, and right before I 98 00:04:42,040 --> 00:04:45,039 Speaker 2: went to UNI, moved four hours away from home. My 99 00:04:45,240 --> 00:04:48,000 Speaker 2: parents separated. So I have a pretty clear, I guess 100 00:04:48,480 --> 00:04:52,640 Speaker 2: time between childhood and adulthood. And that was real smack 101 00:04:52,640 --> 00:04:55,120 Speaker 2: in the face for adulthood for me. And while they've 102 00:04:55,120 --> 00:04:58,039 Speaker 2: been super financially supportive along the way, I think the 103 00:04:58,120 --> 00:05:01,200 Speaker 2: lessons underlying that for me was how do I not 104 00:05:01,560 --> 00:05:04,800 Speaker 2: find myself in a situation that stresses me out like that? 105 00:05:05,040 --> 00:05:07,440 Speaker 2: And ever since then, it's been very much how do 106 00:05:07,480 --> 00:05:10,440 Speaker 2: I safeguard and protect myself and find my own independence, 107 00:05:10,480 --> 00:05:13,240 Speaker 2: which is what I very much formed a basis of 108 00:05:13,320 --> 00:05:13,920 Speaker 2: through UNI. 109 00:05:14,040 --> 00:05:15,760 Speaker 4: And I feel like that is something that a lot 110 00:05:15,800 --> 00:05:17,960 Speaker 4: of people in our community are going to resonate with. 111 00:05:18,520 --> 00:05:20,480 Speaker 4: What you would have been in your late teens when 112 00:05:20,520 --> 00:05:23,839 Speaker 4: your parents decided to divorce. Tell me a bit more 113 00:05:23,880 --> 00:05:25,479 Speaker 4: about that. Was that something that you were like, oh, 114 00:05:25,520 --> 00:05:27,200 Speaker 4: we could see it coming a mile off, or was 115 00:05:27,200 --> 00:05:30,240 Speaker 4: it a surprise or like, I'm just so pervy, like 116 00:05:30,240 --> 00:05:32,120 Speaker 4: you're anonymous, so I get to ask these things like 117 00:05:32,200 --> 00:05:34,120 Speaker 4: you'd never sit with your friends at brunch and be like, 118 00:05:34,200 --> 00:05:37,320 Speaker 4: oh my god, friend, tell me why are your parents divorced? Though? 119 00:05:37,480 --> 00:05:39,760 Speaker 4: Like rude, But I get to be a little bit 120 00:05:39,839 --> 00:05:43,960 Speaker 4: rude because it does form your money story, right, absolutely. Yeah. 121 00:05:44,000 --> 00:05:47,680 Speaker 2: So I was nineteen and it was exactly two weeks 122 00:05:47,680 --> 00:05:51,920 Speaker 2: before I moved to our major city. I didn't see 123 00:05:51,920 --> 00:05:55,640 Speaker 2: it coming, but there was probably signs that it was there. 124 00:05:56,200 --> 00:05:59,680 Speaker 2: But I had just finished my gap year. I was 125 00:06:00,080 --> 00:06:03,600 Speaker 2: working fully through summer in a coastal town, so I 126 00:06:03,680 --> 00:06:05,880 Speaker 2: wasn't seeing them all the time, and the way they 127 00:06:05,880 --> 00:06:09,159 Speaker 2: were interacting in those like I guess four weeks leading 128 00:06:09,240 --> 00:06:11,960 Speaker 2: up to when I was told, So I felt like 129 00:06:12,000 --> 00:06:13,720 Speaker 2: I was kind of out of the loop a little bit. 130 00:06:13,760 --> 00:06:16,760 Speaker 2: But maybe there were some factors that I didn't see 131 00:06:17,000 --> 00:06:20,000 Speaker 2: or considered them to be a bit different, or maybe 132 00:06:20,000 --> 00:06:21,560 Speaker 2: that's normal that weren't normal. 133 00:06:21,640 --> 00:06:23,320 Speaker 4: Oh, you just don't know what you don't know. And like, 134 00:06:23,360 --> 00:06:25,440 Speaker 4: I don't think anyone goes through their life being like 135 00:06:25,520 --> 00:06:28,479 Speaker 4: I wonder how mum and dad's relationship is unless it's 136 00:06:28,520 --> 00:06:32,840 Speaker 4: like super tumultuous or something. So when you found out. 137 00:06:33,400 --> 00:06:36,840 Speaker 4: What did that look like? Was it immediate? And I'm 138 00:06:36,880 --> 00:06:39,200 Speaker 4: more talking about, like, I guess the financial side of things. 139 00:06:39,240 --> 00:06:41,560 Speaker 4: Did one of them move out and then have to rent? Like, 140 00:06:41,600 --> 00:06:44,080 Speaker 4: tell me about that, I guess financial journey. 141 00:06:44,240 --> 00:06:47,520 Speaker 2: So living on the farm that was obviously our primary residence. 142 00:06:47,640 --> 00:06:50,480 Speaker 2: We had a beach house in one of the coastal towns, 143 00:06:50,480 --> 00:06:53,719 Speaker 2: so mum moved basically permanently down there. 144 00:06:54,000 --> 00:06:55,440 Speaker 4: That's so lucky that you had that. 145 00:06:55,640 --> 00:06:57,840 Speaker 2: Yeah, she didn't come back from holidays essentially is a 146 00:06:57,880 --> 00:07:01,320 Speaker 2: way that I saw it at that time. And yeah, 147 00:07:01,320 --> 00:07:04,120 Speaker 2: it was pretty quick, like siblings went back to school. 148 00:07:04,279 --> 00:07:07,960 Speaker 2: I obviously moved to Uni. I was packing my whole 149 00:07:08,000 --> 00:07:10,400 Speaker 2: life up with one parent at home. And it wasn't 150 00:07:10,400 --> 00:07:14,120 Speaker 2: that like wholesome I guess picture that I had put 151 00:07:14,160 --> 00:07:16,600 Speaker 2: in my head about my parents moving me to my 152 00:07:16,680 --> 00:07:18,840 Speaker 2: major city and I was like doing my own thing 153 00:07:18,920 --> 00:07:21,640 Speaker 2: now and it would be everyone joining in and being 154 00:07:21,640 --> 00:07:24,000 Speaker 2: happy for me. It was very much like one parent 155 00:07:24,040 --> 00:07:26,640 Speaker 2: helped me move, the other one was very supportive from 156 00:07:26,640 --> 00:07:29,120 Speaker 2: the benches. And it was from then on I was like, oh, wow, 157 00:07:29,200 --> 00:07:31,400 Speaker 2: life is going to look a little bit different from 158 00:07:31,400 --> 00:07:33,920 Speaker 2: then on. But I would say, well, it's been six 159 00:07:34,000 --> 00:07:36,800 Speaker 2: years now, so like we're very much better for it, 160 00:07:37,240 --> 00:07:38,960 Speaker 2: like a really good good time now. 161 00:07:39,200 --> 00:07:41,640 Speaker 4: Yeah good? But what did that mean? I guess when 162 00:07:41,720 --> 00:07:44,560 Speaker 4: it comes to money, because you obviously saw that situation 163 00:07:45,080 --> 00:07:47,680 Speaker 4: you know, happen and unfold, and you said, I never 164 00:07:47,720 --> 00:07:50,800 Speaker 4: want to find myself in their financial position. What do 165 00:07:50,840 --> 00:07:53,640 Speaker 4: you mean by that? Because like this situation that I 166 00:07:53,680 --> 00:07:55,560 Speaker 4: have painted in my head right now only because like 167 00:07:55,600 --> 00:07:58,320 Speaker 4: I don't know you, this is just from what you've shared. 168 00:07:58,360 --> 00:08:00,760 Speaker 4: You're like Dad had the farm, were lucky, we had 169 00:08:00,760 --> 00:08:03,120 Speaker 4: a beach house, Mum moved there, and I go, that 170 00:08:03,200 --> 00:08:06,080 Speaker 4: seems pretty clean, but I know deep down it's not 171 00:08:06,120 --> 00:08:08,360 Speaker 4: because of the way that you've written it. So tell me, like, 172 00:08:08,560 --> 00:08:10,880 Speaker 4: what does that mean? Why wouldn't you want to be 173 00:08:10,920 --> 00:08:13,840 Speaker 4: in their financial position? Because like, if I'm divorcing someone 174 00:08:13,840 --> 00:08:15,760 Speaker 4: and I've got a separate house, that sounds pretty slay. 175 00:08:15,920 --> 00:08:16,480 Speaker 4: Not gonna lie. 176 00:08:16,680 --> 00:08:19,600 Speaker 2: Yeah, I think the position I don't want to find 177 00:08:19,640 --> 00:08:23,720 Speaker 2: myself in is like fighting over money or the money 178 00:08:23,760 --> 00:08:26,800 Speaker 2: that I have been taken away from me. Per Se. 179 00:08:27,360 --> 00:08:31,160 Speaker 2: I found during that time, in terms of how good 180 00:08:31,200 --> 00:08:34,480 Speaker 2: divorces can be, it was pretty amicable, but it kind 181 00:08:34,480 --> 00:08:36,959 Speaker 2: of felt like it put a strain on my relationship 182 00:08:37,240 --> 00:08:40,840 Speaker 2: with my parents and the farm as well. So obviously 183 00:08:40,840 --> 00:08:43,600 Speaker 2: got one house i'd stayed in his and has a farm, 184 00:08:43,679 --> 00:08:46,240 Speaker 2: but it was I guess the assets under his name 185 00:08:46,280 --> 00:08:49,440 Speaker 2: that got taken from him. Mums who obviously has to 186 00:08:49,440 --> 00:08:51,960 Speaker 2: work and things like that. But yeah, that time just 187 00:08:52,000 --> 00:08:54,319 Speaker 2: taught me that I never want to, I guess, get 188 00:08:54,400 --> 00:08:57,080 Speaker 2: to a position of a divorce and want everything that 189 00:08:57,120 --> 00:08:59,160 Speaker 2: someone else has. I want to build it for myself. 190 00:08:59,559 --> 00:09:02,440 Speaker 2: I want to safeguard anyone else against that and be 191 00:09:02,559 --> 00:09:05,839 Speaker 2: quite independent. And that's where a lot of I guess 192 00:09:05,880 --> 00:09:08,120 Speaker 2: my attitudes and passion for this has now come from. 193 00:09:08,200 --> 00:09:10,440 Speaker 2: Is I never want to be like my mum and 194 00:09:10,640 --> 00:09:13,600 Speaker 2: have to take everything or most of it to live 195 00:09:13,720 --> 00:09:14,040 Speaker 2: and to. 196 00:09:14,000 --> 00:09:16,280 Speaker 4: Set yourself up. Yeah, and I guess that I'm just 197 00:09:16,320 --> 00:09:18,480 Speaker 4: going to go back and I'm going to assume some 198 00:09:18,640 --> 00:09:21,079 Speaker 4: stereotypes here, and I would love for you to correct me, 199 00:09:21,280 --> 00:09:24,920 Speaker 4: but I'm assuming farming was your dad's thing, and I'm 200 00:09:24,960 --> 00:09:27,920 Speaker 4: just going based off like literally my grandparents, right, farming 201 00:09:28,080 --> 00:09:30,560 Speaker 4: was their thing, but it was like mainly Pop running 202 00:09:30,600 --> 00:09:32,560 Speaker 4: the farm, and Nana did the books and kind of 203 00:09:32,559 --> 00:09:34,720 Speaker 4: supported him to do his things. So I'm assuming that 204 00:09:35,200 --> 00:09:37,200 Speaker 4: when you have a farm, that might be the way 205 00:09:37,200 --> 00:09:40,200 Speaker 4: it worked. So can I assume that your mum wasn't 206 00:09:40,200 --> 00:09:44,160 Speaker 4: able to foster a career to be as successful or like, 207 00:09:44,240 --> 00:09:46,160 Speaker 4: tell me a bit more about how that kind of 208 00:09:46,200 --> 00:09:46,960 Speaker 4: falls out. 209 00:09:47,200 --> 00:09:51,199 Speaker 2: Yeah, she had a business until my younger siblings were born, 210 00:09:51,280 --> 00:09:53,880 Speaker 2: and then she couldn't do that full time, so was 211 00:09:53,880 --> 00:09:56,240 Speaker 2: caring for us and was able to because of our 212 00:09:56,280 --> 00:10:01,000 Speaker 2: financial situation. She went back to work, probably to full 213 00:10:01,040 --> 00:10:03,880 Speaker 2: time almost as we were kids growing up, because we 214 00:10:03,960 --> 00:10:07,000 Speaker 2: obviously didn't depend on her as much. But I think 215 00:10:07,040 --> 00:10:10,360 Speaker 2: some of her financial habits put a strain on their 216 00:10:10,400 --> 00:10:13,880 Speaker 2: relationship and her I guess spending might not have been 217 00:10:13,920 --> 00:10:17,480 Speaker 2: covered by her own her own work, but it kind 218 00:10:17,520 --> 00:10:20,200 Speaker 2: of put a strain on the money coming in versus 219 00:10:20,240 --> 00:10:22,760 Speaker 2: money going out, and I feel like I'm not getting 220 00:10:22,800 --> 00:10:25,320 Speaker 2: this or not getting that, And I think that's where 221 00:10:25,360 --> 00:10:28,800 Speaker 2: a lot of the conflict came from. Whether we saw 222 00:10:28,840 --> 00:10:31,840 Speaker 2: that or not. We never went without. We would definitely 223 00:10:31,920 --> 00:10:34,360 Speaker 2: have middle class family and had everything we needed, but 224 00:10:34,720 --> 00:10:37,600 Speaker 2: perhaps there was some assumptions that there was more money 225 00:10:37,640 --> 00:10:40,040 Speaker 2: there than what there was, and that did cause a 226 00:10:40,080 --> 00:10:42,959 Speaker 2: little bit of conflict on their spending and how they 227 00:10:43,000 --> 00:10:44,000 Speaker 2: managed money together. 228 00:10:44,120 --> 00:10:47,240 Speaker 4: Yeah, totally. And do you feel that I'm picking up 229 00:10:47,280 --> 00:10:49,719 Speaker 4: that money was a very big motivating factor as to 230 00:10:49,800 --> 00:10:52,840 Speaker 4: why they might have decided that divorce was the best option. 231 00:10:53,120 --> 00:10:55,600 Speaker 2: Yeah, and maybe just not on the same page about it, 232 00:10:55,640 --> 00:10:59,199 Speaker 2: which I'm so aware of now going into relationships and 233 00:10:59,240 --> 00:11:03,040 Speaker 2: friendships and things like that. And obviously money even six 234 00:11:03,120 --> 00:11:06,120 Speaker 2: seven years ago wasn't spoken about as much. There's a 235 00:11:06,120 --> 00:11:09,319 Speaker 2: lot of financial stresses on farms. You know, seasons come 236 00:11:09,360 --> 00:11:12,680 Speaker 2: and go. We might have been in a really positive, 237 00:11:12,760 --> 00:11:16,160 Speaker 2: great position and spending could have been a bit more 238 00:11:16,320 --> 00:11:19,240 Speaker 2: leaning and flexible, and then other times you've really got 239 00:11:19,240 --> 00:11:20,560 Speaker 2: to rein it in and that can be a lot 240 00:11:20,559 --> 00:11:23,560 Speaker 2: on people when you're not used to those differences in 241 00:11:23,600 --> 00:11:24,120 Speaker 2: cash flow. 242 00:11:24,200 --> 00:11:26,600 Speaker 4: Yeah, one hundred percent. I don't know. This is why 243 00:11:26,600 --> 00:11:27,920 Speaker 4: I love money, diar Is. I get to be a 244 00:11:27,960 --> 00:11:29,960 Speaker 4: little bit pervy about like, oh, how did that impact you? 245 00:11:29,960 --> 00:11:33,120 Speaker 4: What did that look like? Because in farming it does 246 00:11:33,160 --> 00:11:35,160 Speaker 4: eb and flow, like you can have a bad season 247 00:11:35,520 --> 00:11:38,559 Speaker 4: or like I remember, I've had friends who've had hate 248 00:11:38,600 --> 00:11:41,719 Speaker 4: completely saturated and had to throw it out and it 249 00:11:41,760 --> 00:11:44,080 Speaker 4: was like literally like fifty grand of their income that 250 00:11:44,200 --> 00:11:47,400 Speaker 4: year and just it can be heartbreaking, but I can 251 00:11:47,440 --> 00:11:51,120 Speaker 4: imagine that puts significant stress on a relationship, especially if 252 00:11:51,120 --> 00:11:53,400 Speaker 4: you're not on the same page. Need to ask are 253 00:11:53,440 --> 00:11:55,120 Speaker 4: you single or if you've got a partner. 254 00:11:55,520 --> 00:11:56,720 Speaker 2: I do have a partner. 255 00:11:57,640 --> 00:12:02,080 Speaker 4: Oh, and has that really guided the conversations you're having 256 00:12:02,160 --> 00:12:02,960 Speaker 4: with them around? 257 00:12:03,000 --> 00:12:03,080 Speaker 1: Like? 258 00:12:03,120 --> 00:12:05,040 Speaker 4: Okay, cool? Like this is how I deal with money? 259 00:12:05,040 --> 00:12:05,760 Speaker 4: What are you thinking? 260 00:12:05,800 --> 00:12:05,880 Speaker 1: Like? 261 00:12:05,880 --> 00:12:08,040 Speaker 4: Are we having money conversations from the get go? 262 00:12:08,240 --> 00:12:11,120 Speaker 2: Absolutely, We've been together for quite some time. He's also 263 00:12:11,160 --> 00:12:14,160 Speaker 2: from the same country town as me and a farming 264 00:12:14,240 --> 00:12:15,240 Speaker 2: family as well. 265 00:12:15,160 --> 00:12:16,360 Speaker 4: So oh he gets it. 266 00:12:16,679 --> 00:12:21,040 Speaker 2: Yeah, seeing I guess how I've treated my money and 267 00:12:21,080 --> 00:12:24,480 Speaker 2: gained a lot of independence throughout UNI. He's been so 268 00:12:24,520 --> 00:12:27,000 Speaker 2: supportive and guiding. We obviously have different ways that we 269 00:12:27,679 --> 00:12:30,480 Speaker 2: work on that, I guess, but it works fast and 270 00:12:30,520 --> 00:12:32,040 Speaker 2: we're very much on the same page with that. 271 00:12:32,240 --> 00:12:34,360 Speaker 4: I adore that. All right, I'm going to move away 272 00:12:34,360 --> 00:12:36,880 Speaker 4: from this topic. I'm still not going to get into 273 00:12:36,880 --> 00:12:38,959 Speaker 4: my questions yet because I'm just have some other stuff 274 00:12:39,000 --> 00:12:41,440 Speaker 4: I want to talk about before then I need to 275 00:12:41,559 --> 00:12:44,840 Speaker 4: ask you have said all right, I want to do this. 276 00:12:44,880 --> 00:12:47,240 Speaker 4: I've been through this experience. We've talked about it, but 277 00:12:47,320 --> 00:12:50,200 Speaker 4: you said, to reach my goals, I've juggled multiple jobs 278 00:12:50,559 --> 00:12:53,079 Speaker 4: like you've done obviously rearing the cows, and then you've 279 00:12:53,120 --> 00:12:55,760 Speaker 4: done nannying and tutoring, which I think is pretty straight forward. 280 00:12:55,880 --> 00:13:00,000 Speaker 4: But the cool thing is you said, almost every opportunity, 281 00:13:00,080 --> 00:13:02,520 Speaker 4: including the current job you have, has come from the 282 00:13:02,559 --> 00:13:04,959 Speaker 4: relationships you've built along the way. What do you mean, 283 00:13:05,040 --> 00:13:08,240 Speaker 4: how did that work? Like obviously rearing the couse, we 284 00:13:08,280 --> 00:13:11,439 Speaker 4: know that came from your parents owning farm, great, fantastic, 285 00:13:11,520 --> 00:13:14,559 Speaker 4: But like nannying, tutoring your current job. Tell me how 286 00:13:14,600 --> 00:13:17,120 Speaker 4: you essentially talk your way into these things. 287 00:13:18,240 --> 00:13:21,880 Speaker 2: So I took a gap year between high school and UNI, 288 00:13:22,040 --> 00:13:26,040 Speaker 2: and I was a front office receptionist out of school. 289 00:13:26,360 --> 00:13:28,400 Speaker 2: So I went through all of the right I guess 290 00:13:28,480 --> 00:13:30,960 Speaker 2: checks and education levels, first aid training and all of 291 00:13:30,960 --> 00:13:33,880 Speaker 2: that that year, and that carries on for about twelve 292 00:13:33,920 --> 00:13:35,800 Speaker 2: months to two years. I think some of the things 293 00:13:36,360 --> 00:13:39,959 Speaker 2: I started UNI quite a clean slate. I didn't quite 294 00:13:39,960 --> 00:13:43,000 Speaker 2: have a job when I moved yet, but I found 295 00:13:43,040 --> 00:13:46,920 Speaker 2: a nannying platform and applied through there, and someone on 296 00:13:46,960 --> 00:13:50,240 Speaker 2: the other end reading my application was riding up my 297 00:13:50,320 --> 00:13:53,760 Speaker 2: profile to start, I guess gaining babysitting work, and she 298 00:13:54,520 --> 00:13:55,959 Speaker 2: reached out to me and said, I don't want to 299 00:13:55,960 --> 00:13:57,959 Speaker 2: put your profile up. I'd love to have you look 300 00:13:58,000 --> 00:13:58,800 Speaker 2: after my family. 301 00:13:58,840 --> 00:14:00,679 Speaker 4: Oh my gosh, that's so cute. You must have had 302 00:14:00,679 --> 00:14:03,360 Speaker 4: a great profile. She would get to see them all 303 00:14:03,360 --> 00:14:06,240 Speaker 4: and then she's like, oh this girl I'm in yeah. 304 00:14:06,360 --> 00:14:08,160 Speaker 2: Yeah. So she didn't interview me, but she was the 305 00:14:08,160 --> 00:14:09,920 Speaker 2: one that profiled me, and she was like, can I 306 00:14:09,960 --> 00:14:11,679 Speaker 2: grab you first? And I was like, well, it's. 307 00:14:11,520 --> 00:14:13,960 Speaker 4: What I wanted anyway, Like I wanted a job and 308 00:14:14,000 --> 00:14:15,120 Speaker 4: you're saying you've got one. 309 00:14:15,480 --> 00:14:18,880 Speaker 2: Absolutely, So they were number one. And they're still a 310 00:14:18,920 --> 00:14:22,520 Speaker 2: really close family of mine now six years later. And 311 00:14:22,560 --> 00:14:24,880 Speaker 2: then now I tutor their kids instead of babysitting them. 312 00:14:24,880 --> 00:14:27,360 Speaker 2: But that was step number one. The dad in that 313 00:14:27,440 --> 00:14:30,640 Speaker 2: family is one of my personal contacts as a referee 314 00:14:30,680 --> 00:14:32,120 Speaker 2: for a lot of the jobs I applied for. 315 00:14:32,360 --> 00:14:35,160 Speaker 4: Oh that's so sweet. Yeah yeah, yeah yeah. 316 00:14:35,200 --> 00:14:38,080 Speaker 2: And those sorts of things really do help someone finding 317 00:14:38,080 --> 00:14:40,640 Speaker 2: their feet in a new city and being so young 318 00:14:40,760 --> 00:14:44,680 Speaker 2: and new contacts, and that has led onto other babysitting 319 00:14:44,680 --> 00:14:47,200 Speaker 2: work through just referrals. So I didn't actually have to 320 00:14:47,320 --> 00:14:51,200 Speaker 2: use the agency for too long after that, I had 321 00:14:51,240 --> 00:14:55,080 Speaker 2: already rounded up enough work that I needed to outsource 322 00:14:55,080 --> 00:14:58,560 Speaker 2: to other people already. Yeah, so that got me into 323 00:14:58,760 --> 00:15:03,080 Speaker 2: more babysitting in Tutor. But my most recent babysitting family 324 00:15:03,520 --> 00:15:05,800 Speaker 2: they live down the road and they have family in 325 00:15:05,920 --> 00:15:09,200 Speaker 2: England and that's actually allowed me to travel with them 326 00:15:09,360 --> 00:15:12,960 Speaker 2: overseas on different holidays and things like that as well. 327 00:15:13,560 --> 00:15:17,880 Speaker 4: Yes please, how does that work? So what they just go, hello, 328 00:15:17,920 --> 00:15:21,280 Speaker 4: money diarist, We're going on this very fancy family holiday 329 00:15:21,440 --> 00:15:22,800 Speaker 4: and we would like you to come. 330 00:15:23,040 --> 00:15:23,280 Speaker 5: Yeah. 331 00:15:23,280 --> 00:15:25,040 Speaker 2: So when I was in my full time job and 332 00:15:25,080 --> 00:15:27,720 Speaker 2: they said, oh, we've got you know, three kids, one's 333 00:15:27,760 --> 00:15:29,640 Speaker 2: going to be six weeks old on their first flight, 334 00:15:29,680 --> 00:15:32,760 Speaker 2: and we think three kids to three adults sounds better 335 00:15:32,800 --> 00:15:35,080 Speaker 2: than three kids to two adults. Would you like to join? 336 00:15:35,200 --> 00:15:37,960 Speaker 2: So I took three weeks of leave and said, yeah, 337 00:15:38,320 --> 00:15:41,320 Speaker 2: happily support and come see England in a different light. 338 00:15:42,000 --> 00:15:45,200 Speaker 4: Oh that's actually the coolest thing ever. And I mean, 339 00:15:45,520 --> 00:15:47,360 Speaker 4: what a privilege to be able to travel with that 340 00:15:47,400 --> 00:15:49,400 Speaker 4: family because they trust you so much. I feel like 341 00:15:49,440 --> 00:15:51,440 Speaker 4: that might be I don't know, in my head, that's 342 00:15:51,480 --> 00:15:54,080 Speaker 4: like another level of nannying, Like you've got nannying and 343 00:15:54,160 --> 00:15:56,200 Speaker 4: like they're like yep, come to my house money direst 344 00:15:56,240 --> 00:15:59,120 Speaker 4: look after my kids. Obviously trust you inherently, but like 345 00:15:59,680 --> 00:16:02,520 Speaker 4: to not not only be trusted with the kids, but like, ah, 346 00:16:02,600 --> 00:16:05,120 Speaker 4: we would actually not mind you being there for our 347 00:16:05,120 --> 00:16:07,800 Speaker 4: family holiday. That's so special. 348 00:16:08,200 --> 00:16:10,520 Speaker 2: I think it definitely comes down to the relationship I've 349 00:16:10,560 --> 00:16:12,720 Speaker 2: built with them, though we're pretty close now, and I 350 00:16:12,760 --> 00:16:16,120 Speaker 2: guess being so relatable also helps. And yeah, it was 351 00:16:16,160 --> 00:16:18,480 Speaker 2: great to meet all of their family and obviously slide 352 00:16:18,520 --> 00:16:20,320 Speaker 2: in quite nicely to the dynamic. 353 00:16:20,480 --> 00:16:22,160 Speaker 4: I love this. So tell me what do you do 354 00:16:22,240 --> 00:16:24,320 Speaker 4: for work now and how much money are you earning. 355 00:16:24,480 --> 00:16:28,080 Speaker 2: I'm in a marketing role for a sporting organization and 356 00:16:28,160 --> 00:16:31,080 Speaker 2: I earn eighty five thousand dollars a year, which includes 357 00:16:31,120 --> 00:16:34,080 Speaker 2: super but I'd say in terms of what I earned, 358 00:16:34,080 --> 00:16:36,680 Speaker 2: it would be around one hundred K once I add 359 00:16:36,680 --> 00:16:39,560 Speaker 2: in my side hustles, which we've gone through a little bit. 360 00:16:39,600 --> 00:16:44,120 Speaker 2: But yeah, nannying is still ongoing. I still tutor, got 361 00:16:44,160 --> 00:16:47,360 Speaker 2: some netwow umpiring in there, some freelance marketing work and 362 00:16:47,440 --> 00:16:50,760 Speaker 2: now I've also just bought a photo booth business which 363 00:16:51,240 --> 00:16:52,480 Speaker 2: is starting to take off. 364 00:16:53,160 --> 00:16:55,880 Speaker 4: Oh my gosh, she's a hussle lot. Okay, So tell 365 00:16:55,920 --> 00:16:58,880 Speaker 4: me on average, Like what would your last tax return 366 00:16:58,920 --> 00:17:01,120 Speaker 4: have looked like? Because obviously earned eighty five grand in 367 00:17:01,160 --> 00:17:03,400 Speaker 4: your quote main job, but like that's a lot of 368 00:17:03,440 --> 00:17:04,200 Speaker 4: side hustling. 369 00:17:04,440 --> 00:17:07,679 Speaker 2: I think I was around one hundred K. My partner's 370 00:17:07,680 --> 00:17:10,600 Speaker 2: an accountant, so he was very supportive through that. 371 00:17:10,800 --> 00:17:15,639 Speaker 4: One hundred thousand dollars at twenty five slay tell me more, 372 00:17:15,920 --> 00:17:18,199 Speaker 4: Like you've piqued my interest. I actually need to know 373 00:17:18,240 --> 00:17:21,040 Speaker 4: two things. One, you said a sporting organization, and like 374 00:17:21,520 --> 00:17:23,240 Speaker 4: I win, and I'm not going to out you which 375 00:17:23,280 --> 00:17:25,680 Speaker 4: sporting organization that is, but like if you didn't want 376 00:17:25,720 --> 00:17:27,879 Speaker 4: me to know, you wouldn't have had a picture behind 377 00:17:27,920 --> 00:17:31,320 Speaker 4: you of what sport that was with them wearing the uniforms. 378 00:17:31,359 --> 00:17:34,359 Speaker 4: Like I've put two and two together. Nobody else can though, 379 00:17:34,480 --> 00:17:37,280 Speaker 4: so that's fun. But I need to know how did 380 00:17:37,320 --> 00:17:40,000 Speaker 4: your relationships get you into this role? Because like, the 381 00:17:40,080 --> 00:17:43,320 Speaker 4: role that you've got is for a pretty fancy sporting organization. 382 00:17:43,640 --> 00:17:45,440 Speaker 4: How did you swindle your way in there? 383 00:17:45,560 --> 00:17:48,360 Speaker 2: I was previously started in a grad role in a 384 00:17:48,400 --> 00:17:53,000 Speaker 2: consulting firm, and the relationships above me actually gained all 385 00:17:53,040 --> 00:17:55,960 Speaker 2: of my referees, but a lot of different contacts and 386 00:17:56,000 --> 00:17:59,560 Speaker 2: people were talking prior to the interviews. So yeah, had 387 00:17:59,560 --> 00:18:01,880 Speaker 2: a great in process, but by the end of it, 388 00:18:01,880 --> 00:18:04,720 Speaker 2: it was like such and such spoke to me, said 389 00:18:04,760 --> 00:18:07,240 Speaker 2: you knew XYZ and this is why you hired. So 390 00:18:07,600 --> 00:18:10,560 Speaker 2: once again, it was relationships from one company that built 391 00:18:10,600 --> 00:18:13,399 Speaker 2: the relationships to the next. So I've been quite lucky 392 00:18:13,400 --> 00:18:16,600 Speaker 2: in terms of everything's been like fought for on my own, 393 00:18:16,640 --> 00:18:18,679 Speaker 2: but I've had such a good support base behind me 394 00:18:18,720 --> 00:18:21,760 Speaker 2: that I've built through relationships that continues to shine through 395 00:18:21,760 --> 00:18:22,320 Speaker 2: everything I do. 396 00:18:22,520 --> 00:18:24,400 Speaker 4: And I want to talk about that. And I don't 397 00:18:24,400 --> 00:18:26,880 Speaker 4: know how you're going to answer this, because you come 398 00:18:26,920 --> 00:18:30,239 Speaker 4: across as relatively humble and that's a compliment, I promise you. 399 00:18:30,720 --> 00:18:32,399 Speaker 4: But when people say, like, oh, it's come from the 400 00:18:32,440 --> 00:18:36,600 Speaker 4: relationships I've built, Like how are you building relationships where 401 00:18:36,640 --> 00:18:38,840 Speaker 4: people are backing you in this way? Because I think 402 00:18:38,880 --> 00:18:40,240 Speaker 4: a lot of us will go, yeah, but like, how 403 00:18:40,280 --> 00:18:42,160 Speaker 4: do I build that relationship? Like someone might be listening 404 00:18:42,200 --> 00:18:44,600 Speaker 4: to this, going but I nannied and like it hasn't 405 00:18:44,840 --> 00:18:49,040 Speaker 4: become that fruitful of a relationship, Like you doing something special? 406 00:18:49,119 --> 00:18:51,679 Speaker 4: Are you just a really beautiful, nice human that people 407 00:18:51,720 --> 00:18:55,480 Speaker 4: resonate with automatically? Like or is there some strategy that 408 00:18:55,520 --> 00:18:57,359 Speaker 4: you've got to like always follow up, or some like 409 00:18:57,400 --> 00:18:59,800 Speaker 4: I just need to know because like, this doesn't happen 410 00:18:59,840 --> 00:19:01,520 Speaker 4: for me, babe. 411 00:19:01,880 --> 00:19:05,840 Speaker 2: I would say I'm very reliable and hard working, which 412 00:19:06,200 --> 00:19:09,480 Speaker 2: people admire and trust. I think that got me in 413 00:19:09,520 --> 00:19:12,000 Speaker 2: the door to a lot of things. But when I 414 00:19:12,119 --> 00:19:14,800 Speaker 2: have other people's backs that seems to have supported me. 415 00:19:14,840 --> 00:19:18,120 Speaker 2: Whether it's in the work I do, whether it's dropping 416 00:19:18,240 --> 00:19:21,320 Speaker 2: to attend to an anaphylactic reaction because the grand parents 417 00:19:21,320 --> 00:19:24,639 Speaker 2: didn't want to do the EpiPen, whether it's quickly jumping 418 00:19:24,680 --> 00:19:27,480 Speaker 2: on something at night to get a deck ready the 419 00:19:27,520 --> 00:19:31,160 Speaker 2: next day. I think it was more that becoming really trusting. 420 00:19:31,320 --> 00:19:34,560 Speaker 2: And then also I guess I have a pretty happy, 421 00:19:34,920 --> 00:19:37,680 Speaker 2: bubbly personality that I always try to bring to everything 422 00:19:37,680 --> 00:19:40,399 Speaker 2: I do with my work ethic, which has really helped. 423 00:19:40,440 --> 00:19:44,720 Speaker 2: But it's definitely not paying my way through or asking 424 00:19:44,960 --> 00:19:47,280 Speaker 2: favors left, right and center. It's very much the hard 425 00:19:47,320 --> 00:19:50,080 Speaker 2: work side of things and demonstrating that through my work 426 00:19:50,119 --> 00:19:51,679 Speaker 2: and my passion and my care for people. 427 00:19:51,720 --> 00:19:54,119 Speaker 4: I love that you know that about yourself too, because like, 428 00:19:54,160 --> 00:19:55,560 Speaker 4: do you know how many people would be like, Oh, 429 00:19:55,560 --> 00:19:58,040 Speaker 4: I don't know. It just happens, like to be able 430 00:19:58,080 --> 00:19:59,720 Speaker 4: to back yourself and be like no, no, no, Like 431 00:19:59,760 --> 00:20:01,520 Speaker 4: I I'm really nice and I am going to go 432 00:20:01,560 --> 00:20:04,240 Speaker 4: above and beyond, and like, I have no doubt that 433 00:20:04,280 --> 00:20:08,240 Speaker 4: you're incredibly intelligent. But like, what everybody can take from 434 00:20:08,240 --> 00:20:11,400 Speaker 4: this is you're saying that the key to your success 435 00:20:11,440 --> 00:20:14,280 Speaker 4: actually isn't intelligence. It's hard work and all of those 436 00:20:14,280 --> 00:20:18,320 Speaker 4: things that we can do irrespective of our industry or 437 00:20:18,359 --> 00:20:20,320 Speaker 4: what job we have or how we're doing it. It's 438 00:20:20,760 --> 00:20:24,199 Speaker 4: being present and being committed and showing up. And I 439 00:20:24,240 --> 00:20:26,480 Speaker 4: think that, yeah, we can all do that, and that's 440 00:20:26,520 --> 00:20:30,440 Speaker 4: really cool. The other thing, compoletete side note, you bought 441 00:20:30,440 --> 00:20:34,440 Speaker 4: a photo booth business. How does that even come up? 442 00:20:34,520 --> 00:20:36,120 Speaker 4: How do you go, Oh, do you know what, I've got 443 00:20:36,119 --> 00:20:38,920 Speaker 4: this really fancy marketing job. I think I'm going to 444 00:20:39,000 --> 00:20:40,120 Speaker 4: get another business. 445 00:20:41,119 --> 00:20:46,520 Speaker 2: It's so random. I was freelancing and supporting the lady 446 00:20:46,520 --> 00:20:49,600 Speaker 2: that did run the business, and she had another business 447 00:20:49,600 --> 00:20:51,920 Speaker 2: in conjunction that was taking off and she wanted to 448 00:20:51,960 --> 00:20:54,760 Speaker 2: spend more time in that. So after two years of 449 00:20:55,200 --> 00:20:58,600 Speaker 2: running events and doing the people side of things anyway, 450 00:20:58,720 --> 00:21:00,679 Speaker 2: she was like, would you like the ad insight as 451 00:21:00,720 --> 00:21:03,439 Speaker 2: well and take this on full time, and at the 452 00:21:03,480 --> 00:21:05,960 Speaker 2: time I must have been caught in a moment of weakness, 453 00:21:05,960 --> 00:21:08,439 Speaker 2: but I went, absolutely, why not, this is the next 454 00:21:08,800 --> 00:21:11,800 Speaker 2: thing to take those I guess smaller freelancing gigs off 455 00:21:11,840 --> 00:21:15,600 Speaker 2: my plate and focus my energy into one bigger side business. 456 00:21:15,760 --> 00:21:17,919 Speaker 4: I love that, Okay, So tell me a little bit 457 00:21:17,920 --> 00:21:20,480 Speaker 4: more about that, because obviously it's a smaller side business. 458 00:21:20,800 --> 00:21:23,199 Speaker 4: Did you have to spend some serious cash on that 459 00:21:23,400 --> 00:21:26,040 Speaker 4: to get in or like, how's that work? Most people 460 00:21:26,040 --> 00:21:28,560 Speaker 4: in businesses like that have built them from the ground up, 461 00:21:28,560 --> 00:21:31,000 Speaker 4: they haven't purchased them, So like how. 462 00:21:31,040 --> 00:21:33,040 Speaker 2: I would note that I didn't know how to buy 463 00:21:33,040 --> 00:21:35,840 Speaker 2: a business, or like how you find businesses to buy? 464 00:21:35,960 --> 00:21:37,520 Speaker 2: Still don't really know the second one. 465 00:21:37,640 --> 00:21:40,000 Speaker 4: That's true, not many people do. That's why I'm like, 466 00:21:40,119 --> 00:21:42,120 Speaker 4: you've got a spill. You've got to tell us. 467 00:21:42,280 --> 00:21:44,960 Speaker 2: So yeah, obviously this one was approach based, but it 468 00:21:45,040 --> 00:21:48,080 Speaker 2: was fifteen thousand dollars, which I paid in cash. That 469 00:21:48,240 --> 00:21:50,600 Speaker 2: was the sale of the business. They had kind of 470 00:21:50,960 --> 00:21:53,320 Speaker 2: scaled down because they didn't have the time and energy 471 00:21:53,359 --> 00:21:54,840 Speaker 2: to put into it, So it was kind of valued 472 00:21:54,880 --> 00:21:57,680 Speaker 2: at the time, but I'd argue it was somewhat undervalued 473 00:21:57,960 --> 00:22:00,639 Speaker 2: based on the contacts resources instead of and then I 474 00:22:00,680 --> 00:22:03,359 Speaker 2: also set up a trust, which I think was like 475 00:22:03,400 --> 00:22:05,520 Speaker 2: the company side of things might be fifteen hundred dollars 476 00:22:05,640 --> 00:22:08,159 Speaker 2: or something like that with the fees. So yeah, I 477 00:22:08,200 --> 00:22:10,840 Speaker 2: put that in from the cash that I had, and 478 00:22:11,280 --> 00:22:14,040 Speaker 2: I've almost paid that back in the six months that 479 00:22:14,080 --> 00:22:16,480 Speaker 2: I've had it with the pre existing bookings and the 480 00:22:16,560 --> 00:22:19,880 Speaker 2: upcoming events that I've got. Yeah, set up zero, set 481 00:22:19,960 --> 00:22:23,119 Speaker 2: up those side little things as well, and finding my 482 00:22:23,200 --> 00:22:25,240 Speaker 2: way with the processes I want to do with I 483 00:22:25,240 --> 00:22:26,919 Speaker 2: guess in that I'm obsessed. 484 00:22:27,119 --> 00:22:31,480 Speaker 4: Also, you've just said something that most people wouldn't think 485 00:22:31,480 --> 00:22:34,200 Speaker 4: about if they were buying a small business at that size, 486 00:22:34,520 --> 00:22:36,719 Speaker 4: and like, this is I don't know how to explain it. 487 00:22:36,760 --> 00:22:39,200 Speaker 4: This is very smart. You said, I set up a trust. 488 00:22:39,560 --> 00:22:41,960 Speaker 4: Where did you get that information? And why did you 489 00:22:42,040 --> 00:22:44,400 Speaker 4: know that putting your business in a trust was going 490 00:22:44,440 --> 00:22:45,479 Speaker 4: to be beneficial for you? 491 00:22:45,760 --> 00:22:48,199 Speaker 2: I don't have all the answers there, because my partner's 492 00:22:48,200 --> 00:22:50,119 Speaker 2: an accountant and he said this is step number one 493 00:22:50,160 --> 00:22:52,040 Speaker 2: and that's where we're starting, all right. 494 00:22:52,080 --> 00:22:53,919 Speaker 4: I was like, where are you getting this from? Like, 495 00:22:53,920 --> 00:22:55,800 Speaker 4: and I knew that you'd said your partner was an accountant, 496 00:22:55,840 --> 00:22:57,919 Speaker 4: But I was like, did you like get some advice 497 00:22:58,040 --> 00:23:00,440 Speaker 4: or did you do something your partner? Your account partner 498 00:23:00,440 --> 00:23:03,600 Speaker 4: would have given that advice, which tell him, I'm grateful 499 00:23:03,640 --> 00:23:06,760 Speaker 4: to him for putting you in that position, Like, thank you, sir, 500 00:23:07,040 --> 00:23:10,240 Speaker 4: you genius. Where's the future of that business going, Like 501 00:23:10,280 --> 00:23:12,440 Speaker 4: you're planning on scaling it and quitting your full time 502 00:23:12,520 --> 00:23:14,040 Speaker 4: job or is this just always going to be a 503 00:23:14,080 --> 00:23:16,840 Speaker 4: side thing. You're going to hire staff? Like obviously I'm 504 00:23:16,840 --> 00:23:18,840 Speaker 4: asking all the big hitting questions, but I need to know. 505 00:23:19,359 --> 00:23:22,600 Speaker 2: Yeah, so I absolutely love my full time job, so 506 00:23:22,640 --> 00:23:24,200 Speaker 2: I don't know if I could give that up yet. 507 00:23:24,280 --> 00:23:27,800 Speaker 2: But I've obviously worked so hard in so many different 508 00:23:27,840 --> 00:23:31,080 Speaker 2: smaller side hustles that it was like, maybe it's time 509 00:23:31,119 --> 00:23:34,879 Speaker 2: to just focus attention and energy into one. So that's 510 00:23:34,960 --> 00:23:37,760 Speaker 2: the plan there is to I guess realign my time 511 00:23:37,840 --> 00:23:41,160 Speaker 2: a little bit. But it's a great networking opportunity as well, 512 00:23:41,200 --> 00:23:43,639 Speaker 2: like the different events that I get to go to 513 00:23:43,880 --> 00:23:46,720 Speaker 2: and chat to people and take their photos and hand 514 00:23:46,720 --> 00:23:49,040 Speaker 2: out print outs and just get to know so many 515 00:23:49,080 --> 00:23:51,600 Speaker 2: different types of people. Is I guess the social side 516 00:23:51,600 --> 00:23:54,560 Speaker 2: of it as well is awesome, But financially it's just 517 00:23:54,800 --> 00:23:57,560 Speaker 2: I guess a bit more passive income in a sense 518 00:23:57,720 --> 00:24:00,960 Speaker 2: I'm able to scale that side for myself as well. 519 00:24:01,000 --> 00:24:03,840 Speaker 2: And it's also just I guess leaning into when my 520 00:24:04,000 --> 00:24:06,439 Speaker 2: circumstances changed, like I would like to have a family 521 00:24:06,480 --> 00:24:08,960 Speaker 2: one day, maybe I could continue that on the side 522 00:24:09,000 --> 00:24:12,200 Speaker 2: instead of my full time job and support myself financially there. 523 00:24:12,400 --> 00:24:14,560 Speaker 4: Yeah, So tell me what are you big money goals? 524 00:24:14,600 --> 00:24:16,240 Speaker 4: What are you currently working towards? 525 00:24:16,480 --> 00:24:19,520 Speaker 2: So we said one hundred cane shares I hit last year, 526 00:24:19,560 --> 00:24:21,560 Speaker 2: So I'd like to get to one hundred and fifty 527 00:24:21,640 --> 00:24:23,520 Speaker 2: k by the end of the year. By the end 528 00:24:23,520 --> 00:24:23,960 Speaker 2: of the year. 529 00:24:24,280 --> 00:24:26,640 Speaker 4: Yeah, my friend, what the hell. 530 00:24:26,920 --> 00:24:29,040 Speaker 2: It's a bit of a stretch goal there, but it's 531 00:24:29,040 --> 00:24:31,359 Speaker 2: a primary focus of mine. So we'll see how we 532 00:24:31,400 --> 00:24:34,120 Speaker 2: go with that. And I'm currently working year to year 533 00:24:34,160 --> 00:24:35,880 Speaker 2: at the moment in a lot of my goals. So 534 00:24:36,280 --> 00:24:39,639 Speaker 2: the other one is to purchase an investment property. I 535 00:24:39,640 --> 00:24:42,480 Speaker 2: say purchase because the saving in the hard yards has 536 00:24:42,920 --> 00:24:45,240 Speaker 2: been over time. It's just I need to bite the 537 00:24:45,280 --> 00:24:47,680 Speaker 2: bullet and actually do that this year. So on the 538 00:24:47,760 --> 00:24:48,600 Speaker 2: hunt at the moment. 539 00:24:48,720 --> 00:24:50,439 Speaker 4: Okay, So, how are you twenty five and have one 540 00:24:50,480 --> 00:24:53,040 Speaker 4: hundred thousand dollars in shares, like, riddle me that, where 541 00:24:53,119 --> 00:24:55,040 Speaker 4: is that come from? How did you do that? Because 542 00:24:55,640 --> 00:24:59,320 Speaker 4: you are just a baby and that is a lot 543 00:24:59,359 --> 00:25:03,240 Speaker 4: of money. My Like, I'm so proud, like so insanely 544 00:25:03,880 --> 00:25:06,200 Speaker 4: proud of everything you've achieved, but we need the tea. 545 00:25:06,200 --> 00:25:06,960 Speaker 4: How did you do that? 546 00:25:07,080 --> 00:25:12,159 Speaker 2: I kickstarted that process in covid SO twenty twenty, a 547 00:25:12,160 --> 00:25:15,879 Speaker 2: lot of downtime, share markets full in we spent a 548 00:25:15,920 --> 00:25:18,560 Speaker 2: lot more time at home instead of in the city, 549 00:25:18,720 --> 00:25:22,440 Speaker 2: so we were surrounded by family that were also doing 550 00:25:22,520 --> 00:25:26,040 Speaker 2: similar things, investing in chairs and ETFs and hey, you 551 00:25:26,080 --> 00:25:28,880 Speaker 2: should probably have a look at this. So I received 552 00:25:28,920 --> 00:25:33,080 Speaker 2: youth allowance throughout UNI and that doubled in that time, 553 00:25:33,160 --> 00:25:36,480 Speaker 2: and my expenses did not double during that time. So 554 00:25:36,880 --> 00:25:40,360 Speaker 2: fortunately I channeled a lot of my money and energy 555 00:25:40,880 --> 00:25:45,920 Speaker 2: into I guess, exploring shares, exploring ETF So that first 556 00:25:46,000 --> 00:25:48,679 Speaker 2: year was a lot of doubling into different things and 557 00:25:48,720 --> 00:25:51,040 Speaker 2: then working out what worked for me. But in the 558 00:25:51,160 --> 00:25:54,800 Speaker 2: past two years, I think I've changed from cash is 559 00:25:54,880 --> 00:25:57,199 Speaker 2: king into I need to see my money start to 560 00:25:57,240 --> 00:25:59,080 Speaker 2: work for me, and I've just gone hard and hard 561 00:25:59,080 --> 00:25:59,480 Speaker 2: and hard. 562 00:26:00,520 --> 00:26:02,879 Speaker 4: Do you are like a woman after my own harsh? 563 00:26:03,720 --> 00:26:05,720 Speaker 4: Tell me what are you investing in? Like you've got 564 00:26:05,760 --> 00:26:08,840 Speaker 4: one hundred grand, which means like you're pretty bloody serious 565 00:26:09,000 --> 00:26:11,959 Speaker 4: when it comes to being an investor. What was your 566 00:26:12,000 --> 00:26:14,440 Speaker 4: first share purchase? Oh? 567 00:26:14,560 --> 00:26:17,480 Speaker 2: First share purchase might have been flight Center. 568 00:26:17,760 --> 00:26:21,439 Speaker 4: Oh okay, tell me why, because, like I think I 569 00:26:21,520 --> 00:26:22,359 Speaker 4: know why a. 570 00:26:22,440 --> 00:26:24,840 Speaker 2: New travel was going to come back at some point. 571 00:26:24,960 --> 00:26:27,320 Speaker 2: It was just having a massive hit at the time. 572 00:26:27,480 --> 00:26:28,560 Speaker 4: Do you read Reddit a lot? 573 00:26:29,160 --> 00:26:31,320 Speaker 2: No? I don't. Actually that was all. 574 00:26:31,160 --> 00:26:34,280 Speaker 4: Over Reddit during COVID. Everybody was talking about investing in 575 00:26:34,280 --> 00:26:36,200 Speaker 4: flight Center because like, it'll come back, it'll come back 576 00:26:36,200 --> 00:26:38,639 Speaker 4: in their share price plummeted, And like, who did you 577 00:26:38,640 --> 00:26:41,760 Speaker 4: get that information from? Because I feel like there's a 578 00:26:41,840 --> 00:26:46,040 Speaker 4: niche group of people who all aggressively invested in travel. 579 00:26:46,560 --> 00:26:50,080 Speaker 2: Yeah, I think the other half of people invested in Quantus. 580 00:26:50,359 --> 00:26:53,760 Speaker 2: But I said, no, that's a bit more divosified than Quantus, 581 00:26:53,760 --> 00:26:55,840 Speaker 2: which is why I went down that path. I was 582 00:26:55,880 --> 00:26:58,960 Speaker 2: booking a holiday pre COVID crash, and I thought, well, 583 00:26:59,000 --> 00:27:01,480 Speaker 2: I want to book a holiday at some point, So 584 00:27:01,520 --> 00:27:03,560 Speaker 2: that's where flight Center came into it. I was confident 585 00:27:03,640 --> 00:27:06,200 Speaker 2: enough with the share price at what it had kind 586 00:27:06,200 --> 00:27:08,520 Speaker 2: of bottomed out at, that it would rise, So that 587 00:27:08,640 --> 00:27:10,320 Speaker 2: was one of those ones. It did take a while 588 00:27:10,359 --> 00:27:12,840 Speaker 2: to pick up though, I will admit, and in those 589 00:27:13,240 --> 00:27:16,080 Speaker 2: early months, looking at red or looking at green meant 590 00:27:16,119 --> 00:27:17,720 Speaker 2: a lot more to me than what it does now. 591 00:27:17,800 --> 00:27:20,920 Speaker 2: I will happily admit that. I guess my biggest investing 592 00:27:20,920 --> 00:27:24,399 Speaker 2: mistake was a two milk buying at a high and 593 00:27:24,480 --> 00:27:27,400 Speaker 2: watching that drop a little bit. It was an amazing 594 00:27:27,440 --> 00:27:29,600 Speaker 2: cash cow for some people, but not for me at 595 00:27:29,640 --> 00:27:31,800 Speaker 2: the time. But it's just taught me that I don't 596 00:27:31,840 --> 00:27:34,679 Speaker 2: have to hop on other people's rides. This is my journey, 597 00:27:34,680 --> 00:27:37,240 Speaker 2: and I'm investing what I believe in instead of I guess 598 00:27:37,240 --> 00:27:38,200 Speaker 2: it's little voices. 599 00:27:38,440 --> 00:27:41,080 Speaker 4: And when you bought a two milk, did you buy 600 00:27:41,160 --> 00:27:43,320 Speaker 4: that company because you'd just seen a lot of hype 601 00:27:43,320 --> 00:27:45,360 Speaker 4: about it and thought it was going to be fantastic, 602 00:27:45,560 --> 00:27:48,000 Speaker 4: So you were buying kind of the top of the market. 603 00:27:47,600 --> 00:27:49,919 Speaker 2: Yeap hype and a few other friends were in it, 604 00:27:49,960 --> 00:27:53,080 Speaker 2: so they had confidence, but they also purchased at different 605 00:27:53,119 --> 00:27:53,800 Speaker 2: prices to me. 606 00:27:53,920 --> 00:27:56,960 Speaker 4: So yeah, but that's like such a good lesson because 607 00:27:56,960 --> 00:27:59,680 Speaker 4: it's kind of like you're seeing other people be successful 608 00:27:59,680 --> 00:28:02,159 Speaker 4: and great, like I'll jump in on this too, But 609 00:28:02,280 --> 00:28:05,640 Speaker 4: like they would have gotten in before you, and oh 610 00:28:05,680 --> 00:28:08,040 Speaker 4: how frustrating. So tell me now, I'm so pervy on this. 611 00:28:08,119 --> 00:28:09,600 Speaker 4: You've got one hundred grand and I need to know 612 00:28:10,000 --> 00:28:12,439 Speaker 4: what is your biggest holding now, Like, what is the 613 00:28:12,480 --> 00:28:14,520 Speaker 4: biggest investment you've got inside your portfolio? 614 00:28:14,680 --> 00:28:19,200 Speaker 2: Vas ETF Vanguard Australian Chares, so that would be i'd 615 00:28:19,200 --> 00:28:22,600 Speaker 2: say almost fifty percent forty five to fifty percent into there, 616 00:28:22,640 --> 00:28:26,760 Speaker 2: and then I've got the Vanguard International Shares which is VGs. 617 00:28:27,440 --> 00:28:33,200 Speaker 2: I'm in the VAE which is the x Asia ETF 618 00:28:33,280 --> 00:28:38,880 Speaker 2: as well, and then I've doubled in Combank. I've really 619 00:28:39,160 --> 00:28:42,480 Speaker 2: maxed out that one now. But that was awesome and 620 00:28:42,720 --> 00:28:45,120 Speaker 2: I think that might be it. Yeah, I think that's it. 621 00:28:45,240 --> 00:28:48,680 Speaker 2: I've definitely obviously research and learnings along the way. I've 622 00:28:48,960 --> 00:28:51,800 Speaker 2: bought sold, and now it's very much I've joined the 623 00:28:51,800 --> 00:28:53,960 Speaker 2: ETF train and happy to be there. 624 00:28:54,160 --> 00:28:56,800 Speaker 4: Yeah. I was about to say, often you find that, 625 00:28:57,000 --> 00:28:59,680 Speaker 4: and this has gone full investing chat, so I do apologize, 626 00:28:59,680 --> 00:29:01,960 Speaker 4: but I think this is so pervy. Often you find 627 00:29:02,000 --> 00:29:04,280 Speaker 4: that people go into an ETF as like kind of 628 00:29:04,280 --> 00:29:06,680 Speaker 4: a gateway investment because they like don't want to pick 629 00:29:06,760 --> 00:29:10,640 Speaker 4: one investment and want instant diversification and it feels like 630 00:29:10,760 --> 00:29:15,680 Speaker 4: pretty safe. But they think, and I say, thinking quotation marks, 631 00:29:15,720 --> 00:29:19,000 Speaker 4: that really investing is direct shares, and that's like not 632 00:29:19,120 --> 00:29:22,200 Speaker 4: the case at all obviously, But you've done the opposite. 633 00:29:22,240 --> 00:29:25,000 Speaker 4: You were buying direct shares and like picking stocks, and 634 00:29:25,080 --> 00:29:28,760 Speaker 4: now you've gone into essentially three different ETFs, and like, 635 00:29:28,880 --> 00:29:32,320 Speaker 4: I can see your strategy. Your strategy is diversify across 636 00:29:32,360 --> 00:29:36,400 Speaker 4: markets and then further diversify by having three different ETFs. 637 00:29:36,400 --> 00:29:38,680 Speaker 4: So you've got an Australian one, an international one, and 638 00:29:38,720 --> 00:29:42,360 Speaker 4: then an Asia one, which I think is very very intelligent, 639 00:29:42,400 --> 00:29:44,680 Speaker 4: And you've clearly done your research because a lot of 640 00:29:44,720 --> 00:29:48,120 Speaker 4: people who then go, oh, I also added Asia because 641 00:29:48,160 --> 00:29:52,040 Speaker 4: Asia performs a lot different than in international portfolio, Like 642 00:29:52,160 --> 00:29:55,680 Speaker 4: usually Asian ETFs carry a lot of tech stocks in 643 00:29:55,720 --> 00:29:58,600 Speaker 4: comparison to international. Anyway, there's like a lot of conversation 644 00:29:58,720 --> 00:30:01,200 Speaker 4: to be had here that I am just so pervyon 645 00:30:01,920 --> 00:30:04,680 Speaker 4: moving forward. What's the plan for your share portfolio? 646 00:30:04,800 --> 00:30:08,120 Speaker 2: Continue to invest in those ets I think they're buy 647 00:30:08,200 --> 00:30:12,560 Speaker 2: and hold forever. In my mind, that money really supports 648 00:30:12,600 --> 00:30:15,600 Speaker 2: me in terms of dividends currently reinvesting them. But I 649 00:30:15,640 --> 00:30:19,280 Speaker 2: can see how that could cover bills in future, support 650 00:30:19,360 --> 00:30:22,480 Speaker 2: me when I'm having a family and have other things 651 00:30:22,560 --> 00:30:25,040 Speaker 2: that pop up. But at the moment, obviously there's a 652 00:30:25,040 --> 00:30:27,720 Speaker 2: lot of growth in them anyway, So it's really exciting 653 00:30:27,760 --> 00:30:30,240 Speaker 2: to see and it's put me in good set for now. 654 00:30:30,360 --> 00:30:33,720 Speaker 4: Oh absolutely it has. I'm so excited for you. So 655 00:30:33,800 --> 00:30:35,960 Speaker 4: tell me, on average, how much are you're contributing to 656 00:30:35,960 --> 00:30:37,800 Speaker 4: your share portfolio on a monthly basis? 657 00:30:37,880 --> 00:30:39,600 Speaker 2: About three thousand dollars a month? 658 00:30:39,680 --> 00:30:43,400 Speaker 4: A yeah, okay, okay, tell me how you're doing that, Like, 659 00:30:43,480 --> 00:30:46,000 Speaker 4: how are we getting three grand of free cash flow 660 00:30:46,120 --> 00:30:48,920 Speaker 4: on essentially one hundred thousand dollars if the income each year? 661 00:30:48,960 --> 00:30:52,360 Speaker 2: So the three would come from a lot of side hustles, 662 00:30:52,840 --> 00:30:55,520 Speaker 2: but my dividends would be at about three as well. 663 00:30:55,600 --> 00:30:57,520 Speaker 4: So my gosh, that is so sexy. 664 00:30:57,680 --> 00:31:01,080 Speaker 2: Yeah yeah, so I'm just reinvesting and I'm just grabbing 665 00:31:01,360 --> 00:31:03,680 Speaker 2: money from my pay money from side hustles. 666 00:31:03,800 --> 00:31:05,680 Speaker 4: You really are hustling to not be in the same 667 00:31:05,680 --> 00:31:07,840 Speaker 4: position as your parents, aren't you? My friend, Like, you 668 00:31:07,840 --> 00:31:10,760 Speaker 4: did not lie, you were not missing a beat, and 669 00:31:10,800 --> 00:31:13,080 Speaker 4: you were just like, okay, let's go to a really 670 00:31:13,120 --> 00:31:15,880 Speaker 4: quick break because I actually have so many questions for you, 671 00:31:16,040 --> 00:31:18,920 Speaker 4: and we're going to get to them in a hot minute. 672 00:31:21,440 --> 00:31:24,320 Speaker 4: All right, Money direst we have just dove very deeply 673 00:31:24,480 --> 00:31:27,280 Speaker 4: into your investment journey. And I'm sorry if that was 674 00:31:27,320 --> 00:31:31,280 Speaker 4: so pervy, But when you get the opportunity to quiz 675 00:31:31,280 --> 00:31:34,320 Speaker 4: someone on their one hundred thousand dollar portfolio that they've built, 676 00:31:34,360 --> 00:31:36,760 Speaker 4: that they have it twenty five, my friend, I'm taking 677 00:31:36,800 --> 00:31:39,200 Speaker 4: and seizing that opportunity and be like, what do you hold? 678 00:31:39,320 --> 00:31:42,680 Speaker 4: How do you hold it? What are percentages? Because this podcast, 679 00:31:42,840 --> 00:31:44,880 Speaker 4: like I can't give advice, Like I could never sit 680 00:31:44,960 --> 00:31:48,800 Speaker 4: down as a licensed financial services professional and say, oh, 681 00:31:48,880 --> 00:31:51,880 Speaker 4: you should buy ABC and D because somebody could listen 682 00:31:51,920 --> 00:31:54,840 Speaker 4: to this podcast and replicate exactly what you have today, 683 00:31:55,240 --> 00:31:57,400 Speaker 4: and it might not be successful for them because you've 684 00:31:57,440 --> 00:31:59,520 Speaker 4: gotten in at different times and done different things. And 685 00:32:00,080 --> 00:32:03,600 Speaker 4: that's fine. But I love the opportunity that she's on 686 00:32:03,640 --> 00:32:06,920 Speaker 4: the Money creates for the whole community to learn from 687 00:32:06,920 --> 00:32:09,280 Speaker 4: one another, Like it is just so empowering to see 688 00:32:09,280 --> 00:32:12,120 Speaker 4: somebody who's gone, oh, I was doing direct shares because 689 00:32:12,160 --> 00:32:14,400 Speaker 4: I was trying to be legit, and I've actually learned 690 00:32:14,400 --> 00:32:15,640 Speaker 4: a lot and now I'm just going to buy and 691 00:32:15,680 --> 00:32:18,480 Speaker 4: whole ETFs for the rest of my life. Like, that's 692 00:32:18,480 --> 00:32:22,920 Speaker 4: such a mindset shift. When you started investing, and you know, 693 00:32:23,080 --> 00:32:24,800 Speaker 4: you told me that lots of your friends and family 694 00:32:24,880 --> 00:32:28,080 Speaker 4: were talking about ETFs and stuff, why wasn't an ETF 695 00:32:28,120 --> 00:32:29,680 Speaker 4: the first investment that you made. 696 00:32:29,960 --> 00:32:32,479 Speaker 2: I don't think I was quite educated in that space 697 00:32:32,880 --> 00:32:35,760 Speaker 2: enough at the time. So a lot more reading, a 698 00:32:35,840 --> 00:32:38,680 Speaker 2: lot more listening, she's on the Money podcast. All of 699 00:32:38,720 --> 00:32:44,000 Speaker 2: that has come from that, I guess so initially, particularly 700 00:32:44,080 --> 00:32:46,160 Speaker 2: at that time, some of those ETFs had only just 701 00:32:46,280 --> 00:32:49,200 Speaker 2: kicked off and hadn't gained a lot of traction. And 702 00:32:49,240 --> 00:32:51,720 Speaker 2: I think my age group has come through with a 703 00:32:51,720 --> 00:32:57,520 Speaker 2: lot more accessibility to personal finance accounts and financial articles 704 00:32:57,520 --> 00:33:00,640 Speaker 2: that are more digestible for myself and my age group, 705 00:33:00,840 --> 00:33:03,640 Speaker 2: and that's really supported I guess where I've landed with ETFs. 706 00:33:03,680 --> 00:33:05,680 Speaker 4: I'm obsessed with you. I love this so much, and 707 00:33:05,720 --> 00:33:07,400 Speaker 4: I just love what I know people are going to 708 00:33:07,440 --> 00:33:09,400 Speaker 4: get out of this conversation. It makes me want to 709 00:33:09,480 --> 00:33:13,160 Speaker 4: cut the podcast up and like literally do yeah, let's 710 00:33:13,160 --> 00:33:14,560 Speaker 4: do our money Dory. But like I just want to 711 00:33:14,560 --> 00:33:16,640 Speaker 4: take that investing chat and make it a whole podcast, 712 00:33:16,680 --> 00:33:19,480 Speaker 4: so like I could talk about this all day girl, 713 00:33:19,520 --> 00:33:21,600 Speaker 4: you and me both, and you might be invited back 714 00:33:21,640 --> 00:33:24,040 Speaker 4: on the pod so that we can just talk investing. 715 00:33:24,120 --> 00:33:27,200 Speaker 4: Don't put it past me. Talk to me about debt. 716 00:33:27,440 --> 00:33:30,520 Speaker 4: Do you have any? I'm assuming no with the amount 717 00:33:30,520 --> 00:33:33,040 Speaker 4: of cash flow that you have, But what are your 718 00:33:33,080 --> 00:33:35,400 Speaker 4: feelings about it? Like, would you ever take on debt, 719 00:33:35,480 --> 00:33:36,960 Speaker 4: How do you feel about it? What does that look 720 00:33:37,000 --> 00:33:38,320 Speaker 4: like in your financial journey. 721 00:33:38,400 --> 00:33:40,880 Speaker 2: So I've got my hex debt, but I wouldn't classify 722 00:33:40,960 --> 00:33:43,040 Speaker 2: that as a bad debt. That's just going to sit 723 00:33:43,080 --> 00:33:46,320 Speaker 2: there and come out at tax time. But I do 724 00:33:46,560 --> 00:33:49,760 Speaker 2: use a credit card for points hacking, but I wipe 725 00:33:49,840 --> 00:33:52,920 Speaker 2: that clean week in, week out, so there's no technical 726 00:33:53,080 --> 00:33:55,600 Speaker 2: debt there. But other than that, that's it. I don't 727 00:33:55,600 --> 00:33:59,720 Speaker 2: have a negative attitude towards debt if it's used in 728 00:33:59,760 --> 00:34:02,800 Speaker 2: the way per se. But I'd closed all of my 729 00:34:03,040 --> 00:34:05,000 Speaker 2: after pay accounts and things like that at a very 730 00:34:05,040 --> 00:34:06,680 Speaker 2: young age. It just didn't work for me in the 731 00:34:06,680 --> 00:34:09,400 Speaker 2: way that my cash flow was occurring, and it just 732 00:34:09,400 --> 00:34:13,640 Speaker 2: didn't make me feel good either. So no negativity towards debt. 733 00:34:13,760 --> 00:34:17,840 Speaker 2: Particularly looking into a mortgage for this investment property that 734 00:34:17,920 --> 00:34:18,680 Speaker 2: sits well with me. 735 00:34:18,800 --> 00:34:21,839 Speaker 4: But that's it, But that's a wealth creating debt, like, 736 00:34:21,920 --> 00:34:23,439 Speaker 4: and we're not going to just cough up a couple 737 00:34:23,440 --> 00:34:26,680 Speaker 4: of one hundred thousand dollars. You did mention earlier that 738 00:34:26,800 --> 00:34:29,120 Speaker 4: like one of your goals is to purchase an investment property, 739 00:34:29,120 --> 00:34:31,440 Speaker 4: and you've been working towards that for a very long time. 740 00:34:31,560 --> 00:34:33,360 Speaker 4: What does that look like, Like, how much have you 741 00:34:33,360 --> 00:34:36,040 Speaker 4: got in savings at the moment? Are you talking to brokers? 742 00:34:36,160 --> 00:34:39,480 Speaker 4: Are you like, when's this purchase going to occur. 743 00:34:39,600 --> 00:34:43,480 Speaker 2: I've always had strong cash savings, and that seems to 744 00:34:43,520 --> 00:34:45,759 Speaker 2: have just like compiled year on years. So I've got 745 00:34:45,760 --> 00:34:48,960 Speaker 2: about sixty five thousand dollars in cash. 746 00:34:49,080 --> 00:34:51,640 Speaker 4: Okay, not what I was expecting, big dog. 747 00:34:53,000 --> 00:34:55,840 Speaker 2: So obviously the money for the business came out of 748 00:34:55,880 --> 00:34:57,480 Speaker 2: that as well, so that would be a little bit 749 00:34:57,520 --> 00:35:00,480 Speaker 2: higher if I didn't do that, But I don't like 750 00:35:00,520 --> 00:35:01,279 Speaker 2: to look at it that way. 751 00:35:01,400 --> 00:35:04,160 Speaker 4: That's an investment that you made. No, absolutely not. We're 752 00:35:04,200 --> 00:35:05,040 Speaker 4: not going to regret that. 753 00:35:05,360 --> 00:35:07,800 Speaker 2: So that has been just compounding year on year, and 754 00:35:07,880 --> 00:35:10,040 Speaker 2: I do contribute to that to make sure I've got 755 00:35:10,080 --> 00:35:13,960 Speaker 2: the highest interest earning on that. But I think I've 756 00:35:13,960 --> 00:35:17,320 Speaker 2: been a bit afraid of I guess the negativity around 757 00:35:17,360 --> 00:35:20,600 Speaker 2: interest rates and making a bigger purchase. It's not as 758 00:35:20,719 --> 00:35:26,000 Speaker 2: liquid as shares. So I've been over analyzing every situation, 759 00:35:26,080 --> 00:35:27,799 Speaker 2: I guess for a very long time, and now it's 760 00:35:27,880 --> 00:35:30,920 Speaker 2: time to bite the bullet otherwise. You know, yesterday was 761 00:35:30,920 --> 00:35:33,160 Speaker 2: the best day, but today's the next best day. So 762 00:35:33,200 --> 00:35:34,239 Speaker 2: it needs to happen. 763 00:35:34,040 --> 00:35:36,759 Speaker 4: One hundred percent. So have you started that journey? Like 764 00:35:36,800 --> 00:35:38,759 Speaker 4: are you going to engage a broker? You're just going 765 00:35:38,800 --> 00:35:40,960 Speaker 4: to go down to your local bank, Like, what's the plan. 766 00:35:40,840 --> 00:35:43,200 Speaker 2: We'll start to We've just started to engage with a 767 00:35:43,239 --> 00:35:45,759 Speaker 2: broker at the moment, and we're just looking in some 768 00:35:45,840 --> 00:35:48,839 Speaker 2: smaller hotspot areas that we're more comfortable in it at 769 00:35:48,840 --> 00:35:49,240 Speaker 2: the moment. 770 00:35:49,280 --> 00:35:51,360 Speaker 4: I love that. That is so fun to think that 771 00:35:51,400 --> 00:35:53,600 Speaker 4: you're finally achieving it, Like it sounds like you've just 772 00:35:53,680 --> 00:35:56,480 Speaker 4: been a big saver. And I don't know, I feel 773 00:35:56,480 --> 00:35:59,360 Speaker 4: like sometimes we listen to these stories of people that 774 00:35:59,360 --> 00:36:01,920 Speaker 4: you're like, oh, oh cool, Like she sounds so relatable 775 00:36:01,960 --> 00:36:04,080 Speaker 4: to me. She you know, earns eighty five thousand dollars, 776 00:36:04,200 --> 00:36:07,760 Speaker 4: And then the journey starts to change and the story 777 00:36:07,880 --> 00:36:09,560 Speaker 4: starts to get a little bit juicy, and you go 778 00:36:09,680 --> 00:36:11,399 Speaker 4: she's got all these start hustles. Oh my god, she's 779 00:36:11,400 --> 00:36:13,080 Speaker 4: got one hundred thousand dollars in savings. Oh my god, 780 00:36:13,120 --> 00:36:14,880 Speaker 4: she's got one hundred thousand dollars in shares, and oh 781 00:36:14,880 --> 00:36:17,120 Speaker 4: my god, she's got sixty thousand dollars in savings. Like 782 00:36:17,440 --> 00:36:19,960 Speaker 4: it starts to become, I guess, unrelatable, and you go, 783 00:36:19,960 --> 00:36:22,279 Speaker 4: I don't want to listen to this, like she's not me, 784 00:36:23,120 --> 00:36:26,640 Speaker 4: and I just go, good, Like, we can learn from 785 00:36:26,680 --> 00:36:31,480 Speaker 4: people in different situations to put ourselves in better circumstances, 786 00:36:31,520 --> 00:36:34,120 Speaker 4: Like you're really proving that you don't need hundreds of 787 00:36:34,200 --> 00:36:37,600 Speaker 4: thousands of dollars to put yourself in the best possible position. 788 00:36:37,640 --> 00:36:39,520 Speaker 4: And I think a lot of us just go, it's 789 00:36:39,520 --> 00:36:42,359 Speaker 4: not relatable because she's got so much savings. But there 790 00:36:42,360 --> 00:36:44,480 Speaker 4: would have been a time, and yeah, you've clearly had 791 00:36:44,480 --> 00:36:48,360 Speaker 4: the privilege of finding financial literacy for yourself early and 792 00:36:48,440 --> 00:36:51,920 Speaker 4: going through, you know, even if your parents are amicable, 793 00:36:52,120 --> 00:36:56,040 Speaker 4: a traumatic life event that has pushed you into going 794 00:36:56,160 --> 00:36:58,640 Speaker 4: I actually need to take this really seriously. And I'm 795 00:36:58,640 --> 00:37:00,920 Speaker 4: sure you've sacrificed a lot along the way so that 796 00:37:00,960 --> 00:37:02,680 Speaker 4: you've got savings, right, So can you tell me a 797 00:37:02,760 --> 00:37:04,840 Speaker 4: bit about that, because I think sometimes we listen to 798 00:37:04,880 --> 00:37:07,839 Speaker 4: these stories and go, that's not relatable, that's not going 799 00:37:07,880 --> 00:37:09,680 Speaker 4: to be achievable for me, Like, I'm never going to 800 00:37:09,760 --> 00:37:14,320 Speaker 4: do that. But your current today's circumstance is an outcome 801 00:37:14,360 --> 00:37:16,600 Speaker 4: of the situations you've been through. Have you had to 802 00:37:16,640 --> 00:37:19,840 Speaker 4: sacrifice along the way, Like, has this been just super easy, 803 00:37:19,840 --> 00:37:20,800 Speaker 4: breezy for you? 804 00:37:20,800 --> 00:37:24,759 Speaker 2: No, I'd say the multiple side hustles has led me 805 00:37:24,840 --> 00:37:28,040 Speaker 2: to miss out on social events and things like that 806 00:37:28,080 --> 00:37:31,319 Speaker 2: when I lock in babysitting in advance and a lot 807 00:37:31,360 --> 00:37:35,480 Speaker 2: of weekend work. I sacrificed my mornings for morning nannying 808 00:37:35,520 --> 00:37:38,080 Speaker 2: before work now too, and I guess that all takes 809 00:37:38,120 --> 00:37:41,839 Speaker 2: its toll. But throughout UNI, I was so frugal with 810 00:37:41,880 --> 00:37:45,000 Speaker 2: my money. I watched where every dollar went, and I 811 00:37:45,080 --> 00:37:47,600 Speaker 2: don't feel like I missed out per se, but I 812 00:37:47,640 --> 00:37:50,799 Speaker 2: think that's where I really capitalized on making sure I 813 00:37:50,880 --> 00:37:54,319 Speaker 2: wasn't creeping up on using lifestyle creep. I guess in 814 00:37:54,360 --> 00:37:57,680 Speaker 2: a way that I wasn't able to fund myself and 815 00:37:57,760 --> 00:38:00,879 Speaker 2: fund the savings. I think as kid, you always grow 816 00:38:00,920 --> 00:38:02,960 Speaker 2: up and it's like, oh, save your first car and 817 00:38:03,040 --> 00:38:05,239 Speaker 2: then the rest will really work. Itself out and I 818 00:38:05,239 --> 00:38:06,680 Speaker 2: got to the other side of that, and I was like, 819 00:38:06,719 --> 00:38:08,200 Speaker 2: what do you mean, who's going to tell me what 820 00:38:08,239 --> 00:38:09,959 Speaker 2: to do now? Like what's the next goal? No one's 821 00:38:09,960 --> 00:38:12,359 Speaker 2: told me what the next goal is. And it was like, oh, right, 822 00:38:12,520 --> 00:38:16,440 Speaker 2: this is on me to implement another goal. Otherwise that's it. 823 00:38:16,680 --> 00:38:18,719 Speaker 2: If I don't have something else to look forward to 824 00:38:18,840 --> 00:38:20,839 Speaker 2: or to work towards, that's it. 825 00:38:20,920 --> 00:38:23,680 Speaker 4: I remember when I had my first consulting job, and 826 00:38:23,760 --> 00:38:25,520 Speaker 4: like it was the biggest job I've ever had, Like 827 00:38:25,560 --> 00:38:29,680 Speaker 4: it was so fancy, like a graduated university and I 828 00:38:29,760 --> 00:38:32,759 Speaker 4: was actually the youngest in the company, and I was 829 00:38:32,800 --> 00:38:35,080 Speaker 4: so overwhelmed by all of these people in their thirties 830 00:38:35,080 --> 00:38:37,640 Speaker 4: and forties because they looked like they had their stuff together. 831 00:38:37,719 --> 00:38:39,880 Speaker 4: And I just thought, that's fine. One day I'm going 832 00:38:39,920 --> 00:38:42,399 Speaker 4: to have my stuff together, because life just happens, right, 833 00:38:42,520 --> 00:38:45,359 Speaker 4: Life happens for you, like you don't have to lift 834 00:38:45,360 --> 00:38:48,400 Speaker 4: a finger, and one day I'll have a home, no worries, 835 00:38:48,480 --> 00:38:52,040 Speaker 4: like it just and then cracks start to appear and 836 00:38:52,120 --> 00:38:54,880 Speaker 4: you realize that those people don't have their stuff together, 837 00:38:55,200 --> 00:38:58,160 Speaker 4: and life isn't just going to happen for you. You 838 00:38:58,280 --> 00:39:01,160 Speaker 4: actually have to make it happen for yourself, and I 839 00:39:01,200 --> 00:39:03,520 Speaker 4: think that you've absolutely done that, and I'm just so 840 00:39:03,640 --> 00:39:07,000 Speaker 4: excited about it. Obviously, you've mentioned you're really frugal and 841 00:39:07,080 --> 00:39:10,560 Speaker 4: you like literally use every single other waking hour to 842 00:39:10,680 --> 00:39:13,600 Speaker 4: make it revenue generating, and like that's not for everybody. 843 00:39:13,840 --> 00:39:16,480 Speaker 4: That's fine, But what is your best money habit do 844 00:39:16,520 --> 00:39:16,920 Speaker 4: you reckon? 845 00:39:17,000 --> 00:39:20,560 Speaker 2: I'd say it's documenting my savings and where that income 846 00:39:20,640 --> 00:39:25,239 Speaker 2: comes from. I'm so good at tracking everything via Google spreadsheet, 847 00:39:25,280 --> 00:39:28,000 Speaker 2: and I have a goals like month to month to hit, 848 00:39:28,440 --> 00:39:31,600 Speaker 2: I guess, and I work breaking it down because yeah, 849 00:39:31,600 --> 00:39:34,759 Speaker 2: one hundred thousand in chairs sounds overwhelming, but that was 850 00:39:34,840 --> 00:39:37,640 Speaker 2: once like a ten k goal and ten k across 851 00:39:37,680 --> 00:39:40,000 Speaker 2: a year. So I've really broken it down months to 852 00:39:40,080 --> 00:39:43,200 Speaker 2: month to make things more digestible and easy for me 853 00:39:43,239 --> 00:39:47,000 Speaker 2: to achieve, I guess. And that's obviously all conditional coding, 854 00:39:47,080 --> 00:39:49,200 Speaker 2: so everything goes green when I hit something and I 855 00:39:49,200 --> 00:39:51,319 Speaker 2: get a little kit of adrenaline from it. 856 00:39:51,560 --> 00:39:54,400 Speaker 4: Oh my gosh, there's a spreadsheet. You are a woman 857 00:39:54,480 --> 00:39:55,600 Speaker 4: after my own. Ha. 858 00:39:56,160 --> 00:39:58,120 Speaker 2: This year, I'm probably getting a bit more into tracking 859 00:39:58,200 --> 00:40:00,440 Speaker 2: what I spend to tighten that up a bit instead 860 00:40:00,440 --> 00:40:03,440 Speaker 2: of where the savings goes, which has always been my focus. 861 00:40:03,680 --> 00:40:06,000 Speaker 4: This whole episode, I thought I can't help her with anything, 862 00:40:06,040 --> 00:40:07,719 Speaker 4: Like this woman is a genius. I'm going to gift 863 00:40:07,719 --> 00:40:10,239 Speaker 4: you my money masterclass so that you have access to 864 00:40:10,280 --> 00:40:12,760 Speaker 4: like my budgeting and cash flow tool that will definitely 865 00:40:12,760 --> 00:40:15,640 Speaker 4: do that for you. It'll probably like marry really nicely 866 00:40:15,680 --> 00:40:18,000 Speaker 4: with like your investment trackers and how you're doing that. 867 00:40:18,320 --> 00:40:20,640 Speaker 4: But like this whole episode, I feel like this woman's 868 00:40:20,680 --> 00:40:22,800 Speaker 4: just got it sorted, like she doesn't need cheese on 869 00:40:22,840 --> 00:40:26,520 Speaker 4: the money anymore. I've found a way to help and 870 00:40:26,600 --> 00:40:28,640 Speaker 4: I love this for us. So after this I'll set 871 00:40:28,640 --> 00:40:30,799 Speaker 4: you up on that. But do you have any bad 872 00:40:30,800 --> 00:40:33,880 Speaker 4: money habits? Like, surely somebody is good at money doesn't 873 00:40:33,920 --> 00:40:36,640 Speaker 4: have anything bad. Tell me, please tell me you actually do. 874 00:40:37,800 --> 00:40:39,719 Speaker 2: I do think I do. I think I need to 875 00:40:39,719 --> 00:40:42,479 Speaker 2: put a bit more time between my purchases and those 876 00:40:42,600 --> 00:40:44,920 Speaker 2: unnecessary spending habits. 877 00:40:45,080 --> 00:40:48,000 Speaker 4: Clothes, travel, You are very well dressed. I've been perfec 878 00:40:48,080 --> 00:40:50,720 Speaker 4: on your beautiful like denim top. It's very on trend, 879 00:40:52,120 --> 00:40:55,120 Speaker 4: very cute, very chic. But I feel that in my soul. 880 00:40:55,760 --> 00:40:59,359 Speaker 2: And probably just that is summed up in curbing lifestyle creep, 881 00:40:59,360 --> 00:41:02,279 Speaker 2: which I feel like I've found that effect of keeping 882 00:41:02,360 --> 00:41:03,719 Speaker 2: up with the joints is a little bit in the 883 00:41:03,800 --> 00:41:06,520 Speaker 2: last twelve months. So bringing that back to earth, that's 884 00:41:06,520 --> 00:41:08,240 Speaker 2: probably my worst money havebit at the moment. 885 00:41:08,280 --> 00:41:10,200 Speaker 4: I love it though. That's like not even a bad 886 00:41:10,239 --> 00:41:12,759 Speaker 4: money habit. Clearly you're very good at money, but you're 887 00:41:12,840 --> 00:41:15,839 Speaker 4: quite reflective on like how you could be better. At 888 00:41:15,880 --> 00:41:18,000 Speaker 4: the start of this episode to say, I reckon, I'm 889 00:41:18,000 --> 00:41:20,040 Speaker 4: a B plus or like maybe even an A. Mins 890 00:41:20,360 --> 00:41:20,879 Speaker 4: what's an A. 891 00:41:20,920 --> 00:41:21,520 Speaker 2: Plus to you? 892 00:41:21,600 --> 00:41:24,120 Speaker 4: Like what would you have to do or facilitate or 893 00:41:24,239 --> 00:41:26,560 Speaker 4: change so that if I spoke to you again, you're like, 894 00:41:26,560 --> 00:41:28,600 Speaker 4: of VM A plus, Like what would that look like. 895 00:41:28,760 --> 00:41:30,480 Speaker 2: I don't know when I'll ever be able to say 896 00:41:30,520 --> 00:41:33,000 Speaker 2: that I've made it per se, but A plus to 897 00:41:33,040 --> 00:41:35,399 Speaker 2: me would be like, Yep, I've made it. I've set 898 00:41:35,440 --> 00:41:37,880 Speaker 2: out everything I achieved to set myself up for life. 899 00:41:37,920 --> 00:41:40,680 Speaker 2: So I think when I feel set up for life, 900 00:41:40,719 --> 00:41:43,440 Speaker 2: that would be an A plus sign. I'd still say 901 00:41:43,480 --> 00:41:45,719 Speaker 2: an A minus to an A there's still work to 902 00:41:45,760 --> 00:41:49,040 Speaker 2: be done there, and I think my type A personality 903 00:41:49,040 --> 00:41:51,840 Speaker 2: would never let me into that AAA plus category. 904 00:41:51,920 --> 00:41:53,560 Speaker 4: Oh I get that, I get it. And that's why 905 00:41:53,600 --> 00:41:55,480 Speaker 4: I like asking, because I'm like, what's that even going 906 00:41:55,560 --> 00:41:57,359 Speaker 4: to take? And type A people are like, wait, don't 907 00:41:57,360 --> 00:42:00,000 Speaker 4: ask me that question. I would just like to consistently 908 00:42:00,080 --> 00:42:04,240 Speaker 4: undervalue myself instead of being questioned on this. But I'm obsessed. 909 00:42:04,360 --> 00:42:05,680 Speaker 4: Like there are going to be people listening to this 910 00:42:05,719 --> 00:42:08,440 Speaker 4: that are like, is she crazy? That's a blast to me, 911 00:42:08,760 --> 00:42:11,399 Speaker 4: And I agree, but I kind of like that. You're 912 00:42:11,440 --> 00:42:14,120 Speaker 4: also you know, halfway through the journey, You're like, I 913 00:42:14,160 --> 00:42:15,640 Speaker 4: know I've achieved a lot, but I'm going to do 914 00:42:15,680 --> 00:42:17,919 Speaker 4: so much more, and like, I cannot wait to touch 915 00:42:17,960 --> 00:42:19,799 Speaker 4: base with you at some point in the future and 916 00:42:19,840 --> 00:42:22,319 Speaker 4: you can tell me about how a relationship has got 917 00:42:22,320 --> 00:42:25,600 Speaker 4: you into your next, biggest, best job. My friend, I'm 918 00:42:25,719 --> 00:42:27,920 Speaker 4: very sad that this is all we have time for today. 919 00:42:28,040 --> 00:42:31,600 Speaker 4: This has been so fun, and I've adored how much 920 00:42:31,640 --> 00:42:34,280 Speaker 4: we've spoken about investing and your parents and the journey 921 00:42:34,320 --> 00:42:37,040 Speaker 4: and why you don't want to be where they were 922 00:42:37,120 --> 00:42:39,799 Speaker 4: and not only do you not want that, you're not 923 00:42:39,840 --> 00:42:42,000 Speaker 4: going to have that, Like you've actually set yourself up 924 00:42:42,040 --> 00:42:45,680 Speaker 4: for future financial success in such a beautiful way, and 925 00:42:45,760 --> 00:42:48,600 Speaker 4: like it's so nice to talk to you about it 926 00:42:48,600 --> 00:42:51,160 Speaker 4: because you've just done it on your own, like nobody's 927 00:42:51,160 --> 00:42:53,040 Speaker 4: come along and been like, oh yep, actually I did 928 00:42:53,040 --> 00:42:56,520 Speaker 4: get some shares from my grandpa. Like you've actually just gone, oh, 929 00:42:56,600 --> 00:42:58,040 Speaker 4: I'm going to do this, and I'm going to do 930 00:42:58,120 --> 00:43:00,960 Speaker 4: it well and I've committed to it. And last question, 931 00:43:01,040 --> 00:43:03,960 Speaker 4: do you find that now you have committed to it, 932 00:43:03,960 --> 00:43:07,080 Speaker 4: it like compounds not in terms of like obviously growth, 933 00:43:07,080 --> 00:43:09,120 Speaker 4: but like do you become more committed to it or 934 00:43:09,160 --> 00:43:10,640 Speaker 4: now that you've got one hundred grand you're like, oh, 935 00:43:10,640 --> 00:43:11,680 Speaker 4: I can relax. 936 00:43:11,440 --> 00:43:14,400 Speaker 2: Even more committed to it. I'm even more passionate about it. 937 00:43:14,440 --> 00:43:16,840 Speaker 2: I can't believe when it ticked over, I didn't I 938 00:43:16,880 --> 00:43:18,799 Speaker 2: felt excited, but it was like, oh my god, there's 939 00:43:18,840 --> 00:43:20,400 Speaker 2: so much more in me to get to the next thing, 940 00:43:20,480 --> 00:43:21,840 Speaker 2: Like what do I have to do to get to 941 00:43:21,880 --> 00:43:22,560 Speaker 2: the next step? 942 00:43:22,920 --> 00:43:24,799 Speaker 4: And you know what they always say, the first one 943 00:43:24,880 --> 00:43:27,759 Speaker 4: hundred thousand dollars is the hardest to earn. Like it's 944 00:43:27,760 --> 00:43:29,560 Speaker 4: the hardest to earn, it's the hardest to save, it's 945 00:43:29,560 --> 00:43:31,920 Speaker 4: the hardest to invest, and like you've done it. Like, 946 00:43:32,200 --> 00:43:35,479 Speaker 4: I'm just so excited about this diary. Thank you, my lovely. 947 00:43:35,560 --> 00:43:38,400 Speaker 4: It has been so fun getting to know you a 948 00:43:38,440 --> 00:43:41,200 Speaker 4: little bit be pervy. I'm grateful that you've let me 949 00:43:41,239 --> 00:43:43,600 Speaker 4: be as pervy as I have, but I know the 950 00:43:43,640 --> 00:43:45,960 Speaker 4: community going to do this as well. So thank you 951 00:43:46,040 --> 00:43:48,520 Speaker 4: for sharing and caring and being part of the journey 952 00:43:48,520 --> 00:43:51,759 Speaker 4: and part of the community you make. Literally, people like 953 00:43:51,800 --> 00:43:53,879 Speaker 4: you are what makes She's on the Money so rich. 954 00:43:54,000 --> 00:43:55,920 Speaker 2: Thank you so much being the team for having me. 955 00:44:02,280 --> 00:44:04,800 Speaker 4: The advice shared on She's on the Money is general 956 00:44:04,880 --> 00:44:08,719 Speaker 4: in nature and does not consider your individual circumstances. She's 957 00:44:08,760 --> 00:44:12,240 Speaker 4: on the Money exists purely for educational purposes and should 958 00:44:12,280 --> 00:44:15,400 Speaker 4: not be relied upon to make an investment or financial decision. 959 00:44:15,840 --> 00:44:18,480 Speaker 4: If you do choose to buy a financial product, read. 960 00:44:18,280 --> 00:44:21,640 Speaker 5: The PDS TMD and obtain appropriate financial. 961 00:44:21,200 --> 00:44:23,000 Speaker 4: Advice tailored towards your needs. 962 00:44:23,360 --> 00:44:27,320 Speaker 5: Victoria Divine and She's on the Money are authorized representatives 963 00:44:27,360 --> 00:44:31,480 Speaker 5: of Money. Sheper Pty Ltd ABN three two one six 964 00:44:31,560 --> 00:44:35,439 Speaker 5: four nine two seven seven zero eight AFSL four five 965 00:44:35,520 --> 00:44:37,360 Speaker 5: one two eight nine