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

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

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

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

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

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

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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: for millennials who want financial freedom. Today, my friends, it

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Speaker 2: is Friday, which means it is time to get my

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Speaker 2: little team, well actually not the whole team. It's just

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Speaker 2: just go to each GM becksay ed together and we're

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Speaker 2: going to be celebrating you once again, our incredible She's

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Speaker 2: on the Money community today, miss Grid. She is going

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Speaker 2: to be sharing our favorite money wins. Beck has got

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Speaker 2: a sneaky broke tip for us, and she's got a

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Speaker 2: few hot ones from the community. As well. We're going

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Speaker 2: to be answering a juicy money dilemma, which this week

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Speaker 2: is all about calculating super for retirement. And we're going

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Speaker 2: to be unpacking something you slid into our DMS about,

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Speaker 2: which is about subletting in a sharehouse, which I think

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Speaker 2: could get a little bit spicy really quickly, My loves,

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Speaker 2: how have your weeks been?

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Speaker 4: Oh you are do you want to go see you?

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Speaker 5: My week?

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Speaker 2: My week?

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Speaker 4: My week has been interesting, It's been honestly, I haven't

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Speaker 4: done much this week, and for reasons. You're going to

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Speaker 4: find out why soon. But I feel good. I feel

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Speaker 4: good the weeks. I'm ready and I'm ready to have

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Speaker 4: a good sleep.

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Speaker 2: I feel that in my bones. Yeah, I love a

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Speaker 2: good sleep. Recently I bought new pillows. This is a

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Speaker 2: very roundabout story about how I bought the wrong ones.

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Speaker 2: I did not realize how much the wrong pillow could

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Speaker 2: ruin my night. Oh no, I'm a tummy sleeper. So

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Speaker 2: like the pillow was just too lofty, just too tall.

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Speaker 2: So this is a way I couldn't get comfortable no

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Speaker 2: matter how many times I punched the pillow, made it

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Speaker 2: flat or like flippied it. No, nothing was working and

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Speaker 2: also I feel like it was eternally warm, like there

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Speaker 2: was no cold side of the pillow. So now I

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Speaker 2: have a flat pillow again, and everything has been restored.

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Speaker 2: Thank you for caring. It was legit though, what a

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Speaker 2: money loss. I bought this expensive lofty pillow, marched my

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Speaker 2: sorry but back down to km up and was like,

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Speaker 2: where's the trashiest pillow? Because that's going to make me

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Speaker 2: the happiest in anyway. That's how good my week has been, lovely.

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Speaker 2: Thank you for hearing me. Of course, just where are

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Speaker 2: we at? What's your week? Cloth?

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Speaker 6: I had a really good day on Sunday because it

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Speaker 6: was my birthday and my week stared really well. All

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Speaker 6: of my friends surprised me. I never organized things because

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Speaker 6: I'm scared people won't come, because I for a party

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Speaker 6: when I was little once and two people turned up,

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Speaker 6: and so like, you know what, it.

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Speaker 2: Could have been my fault.

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Speaker 4: Maybe I forgot the invitations.

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Speaker 2: I don't know, but oh my god, no, that is

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Speaker 2: such a thing. Probably was me, It was me?

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Speaker 4: Yeah, it possibly.

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Speaker 6: Absolutely not no, but anyway, so they all surprised me.

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Speaker 6: It was the most wholesome thing ever. They've also got

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Speaker 6: me a cake an ice cream cake, which is my

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Speaker 6: preferred kind of cake.

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Speaker 2: Did you know?

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Speaker 6: Well no, normally I get the pink white, the traditional traditional,

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Speaker 6: but they got me a Cold Rock ice cream cake

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Speaker 6: made in my exact cold Rock order.

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Speaker 2: Because how did they know that? Well, because it's.

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Speaker 6: One of my favorite places and one of my friends

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Speaker 6: and I go all the time because we live really

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Speaker 6: close together and not too far from a Cold Rock,

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Speaker 6: so they knew it by heart had a cake made

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Speaker 6: in my exact Cold Rock It was the best thing ever.

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Speaker 2: That is really how cool is that?

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Speaker 6: So if you have a friend that likes ice cream,

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Speaker 6: that is like, it was the best thing I've ever

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Speaker 6: seen in my life.

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Speaker 4: What's your Cold Rock orders?

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Speaker 2: Just whipping out of pair? It's not original. If you

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Speaker 2: copy her friends when she's already had it would.

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Speaker 6: Always be a great present. If anyone does want a

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Speaker 6: good recommendation, you get cake batter, ice cream and Ferrera

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Speaker 6: ice cream mixed together with cookie dough and double mini.

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Speaker 2: Marshmallows double minie marshmallow and they mix.

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Speaker 6: It all together and it's a delicious sweet treat. So

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Speaker 6: they go for anyone like that written it down, bring

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Speaker 6: you one next week and you can that's not it

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Speaker 6: works so cute.

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Speaker 2: Not how this works, how this works?

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Speaker 4: Just correct?

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Speaker 2: I'm sorry.

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Speaker 6: Should we move along? We should thank you so much

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Speaker 6: for I had a great day. I feel very like

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Speaker 6: it's so nice.

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Speaker 4: You are loved.

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Speaker 2: You are definitely loved. All right, let's jump into it, Jessica. Yes,

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Speaker 2: it's back on your side of the table. I want

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Speaker 2: to know what's been going on in our community. What

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Speaker 2: are your favorite money wins that have been shared this week?

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Speaker 6: I have a money win from Cayenne, who said I

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Speaker 6: received a job offer completely out of the blue. That

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Speaker 6: is a huge step in my career for me, and

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Speaker 6: it came with a nice little pay rise.

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Speaker 2: Beautiful.

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Speaker 6: And I just love the idea of someone just plodding

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Speaker 6: around about their day and then some one being like.

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Speaker 4: You, ma'am, deserve a job. I love the times lovely.

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Speaker 6: Next, I have a money win from Sharan, who said,

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Speaker 6: I realized that my local coals had incorrectly priced a

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Speaker 6: product as per the label, and it was actually more

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Speaker 6: expensive than it was meant to be. I brought this

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Speaker 6: to the cashier's attention, and after she cited it, we

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Speaker 6: were given the product for free. Oh, which is apparently

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Speaker 6: what I expected. That's apparently their policy, if it's wrong,

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Speaker 6: they get it for free.

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Speaker 4: How come is it?

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Speaker 1: Wow? Wow? Wow?

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Speaker 6: That one away for later because okay, I've definitely seen

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Speaker 6: things price strong and I've just got.

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Speaker 2: Me just going to coals and checking for the wrong

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Speaker 2: prices so I can get stuff for free.

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Speaker 4: How yes, that's wrong, about to be one thing in

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Speaker 4: the whole store.

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Speaker 2: Next.

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Speaker 6: I have a money lost from Melinda, but it is

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Speaker 6: in good fun. She said, I broke up with my

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Speaker 6: partner and he wants one hundred k Togo money win.

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Speaker 6: I'll no longer have an extra child in a house.

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Speaker 6: And then she put a little asterisk and she said

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Speaker 6: not an actual child, just him, yes, baby, and hundreds

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Speaker 6: of people liked the comment. So Melinda, I'm sorry that

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Speaker 6: he's being what sounds like a bit of her.

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Speaker 4: Yes.

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Speaker 6: I was going to say another word, and I was like,

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Speaker 6: no parent now yeah, well not anymore. She was single parenting.

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Speaker 6: Now she's free.

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Speaker 2: Oh genius, So love this for her.

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Speaker 4: Get a girl.

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Speaker 6: I have a money win from Alyssa, who said I

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Speaker 6: got five dollar Peter Alexander Pj's from the outlet center.

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Speaker 2: We all got multiple five dollars. I can never.

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Speaker 6: Purchase these normally as I can't justify that much on PJS,

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Speaker 6: but for five bucks, I couldn't resist. We love Peter,

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Speaker 6: Alexander PJ in this team, so yeah we do. We

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Speaker 6: literally said the other day we were near the outlet

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Speaker 6: and we went.

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Speaker 2: Go and then we did. Jess and I don't just

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Speaker 2: have one. We have multiple pairs of matching for jamans.

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Speaker 4: That's very very cute.

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Speaker 2: Yeah, we'd love at them for you next time. Don't worry.

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Speaker 6: Thank you.

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Speaker 2: Do you want to join in?

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Speaker 4: I sleep in the nude, but I'm going to try it.

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Speaker 2: You don't have to sleep in pajamas.

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Speaker 4: They're like you just wear. They're like wear, but for

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Speaker 4: your for lounging. I see all lounging where louchwear.

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Speaker 2: Watching f Boy Island. Yeah, you're wearing your pajamas.

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Speaker 4: I do need something for fo Island exactly. The train

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Speaker 4: I'm going to do exactly.

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Speaker 6: They did a Macas collabor recentlyjamas.

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Speaker 2: That's when I can't get around. Also, Barbie O, the

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Speaker 2: Barbie one can get around the mac is one. I'm like,

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Speaker 2: I want Donalds. No, nothing was that cute.

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Speaker 4: There was nothing with the Nuggets on it either, which

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Speaker 4: I was training.

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Speaker 2: That's literally the only good thing about McDonald's.

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Speaker 4: Yeah, wasted opportunities literally.

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Speaker 6: And lastly, I have a money in from Rihannon who

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Speaker 6: said I got a free bike off marketplace to ride

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Speaker 6: with my son and partner. It needs new tires and

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Speaker 6: it has a bit of rust, but I'm confident I

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Speaker 6: can fix it up for way less than a new bike.

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Speaker 6: And you can hopefully see this through my crushed screen,

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Speaker 6: but look, it's one of those cute little I love

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Speaker 6: that that does not look like it was free. That's

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Speaker 6: very good, and that's everything that I've got this many

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Speaker 6: win love it.

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Speaker 2: She's good at a money win. Yes, yeah, I love

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Speaker 2: it and picking them out of the group ten out

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Speaker 2: of ten sad. Yes, you have some broke tips for

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Speaker 2: us this week.

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Speaker 4: I do, I do, okay. So the first one is

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Speaker 4: from Cassie, who kind of alerted me to what you

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Speaker 4: might call a rewards program of sorts, and one in

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Speaker 4: particular is Grilled. Basically, if you sign up with your

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Speaker 4: favorite Ossie Rules team, you will receive a two for

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Speaker 4: one coupon on a Monday. I believe very niche. This

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Speaker 4: is all very niche, but niche chips are broke. You

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Speaker 4: gotta be be creating.

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Speaker 3: Was that.

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Speaker 2: Ye don't think too hard about my commentary today, but

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Speaker 2: it kind of got.

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Speaker 4: Me thinking about all the other things that are out there.

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Speaker 4: And I don't have any examples.

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Speaker 2: Actually, I just got thinking about all the other which

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Speaker 2: I have.

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Speaker 4: I have zero zero, Okay, I do remember Domino's, you

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Speaker 4: know you get those things in the mail board.

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Speaker 2: Brooke got one the other day. Yeah, she got a

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Speaker 2: whole pizza delivered for free, for free, no man free.

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Speaker 2: Now my money was exchanged.

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Speaker 6: She thought it was a scam, but she did it anyway,

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Speaker 6: and turns out luckily for her.

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Speaker 4: That is incredible. I would risk my life for one pizza.

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Speaker 2: It was in Perth, oh so I'm not sure if

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Speaker 2: that was in Melbourne, but it was like a letterbox

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Speaker 2: drop and she was amazing, says I've got a free

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Speaker 2: pizza delivered. And so she got it to launched the

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Speaker 2: other day and Jess and I were envious.

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Speaker 4: That is amazing.

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Speaker 2: This is the thing, is it?

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Speaker 4: Back of receipts your mailbox. Junk mail sometimes comes in hand.

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Speaker 1: I have one.

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Speaker 6: Yeah, if you go through the KFC drive through on

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Speaker 6: your receipt, but there's usually like a QR code on

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Speaker 6: the window too, where you scan and give them feedback

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Speaker 6: on your meal and then you get a free meal

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Speaker 6: for your next meal. It's like a free chips and

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Speaker 6: a drink or free something. I haven't want any take.

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Speaker 2: A photo of that QR code and put it on story.

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Speaker 4: Absolutely, I can't please.

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Speaker 2: Everybody's coinky dink. We are just giving feedback on our

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Speaker 2: meals then, and you're saying I'll get my next one free.

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Speaker 6: We all had a great experience in Melbourne CVDKFC on

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Speaker 6: the same.

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Speaker 2: Their feedback is going to go through the roof. If

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Speaker 2: you're doing that, only leave them nice feedback. I got

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Speaker 2: my car service to actually this morning. I picked it

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Speaker 2: up and it was Spino, do you have it picked up?

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Speaker 2: And I was nearly sick and the guy was honestly

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Speaker 2: so nice. He was texting me all weekend because it

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Speaker 2: took a little bit longer and it should have. And

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Speaker 2: he was like, oh, like, you're going to get a

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Speaker 2: text in a couple of days about your experience and

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Speaker 2: I said, yeah, no worries. You're a solid ten and

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Speaker 2: he said, yep, it's actually out of five. Anything below

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Speaker 2: five is a fail. And I was like, oh, good

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Speaker 2: to know.

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Speaker 4: Oh my gosh is that some people don't anyway? So

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Speaker 4: I continue, that's how rude is it?

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Speaker 2: Though?

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Speaker 6: I was just going to say, interesting fact. Apparently when

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Speaker 6: people have to grade on a scale, like any kind

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Speaker 6: of experience, even if people are super satisfied with their experience,

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Speaker 6: they're more likely to go for if it's out of five,

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Speaker 6: four instead of a five, Like it's just human.

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Speaker 2: Nature to nominate. Oh well, it wasn't the best experience

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Speaker 2: my entire life, yeah, because you would compare it to

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Speaker 2: going to cold Rock, wouldn't you. You'd be the best

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Speaker 2: experience in my life's going to cold Rock and getting

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Speaker 2: a custom cake.

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Speaker 4: They're probably comparing everything to like the best day of

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Speaker 4: their entire lives. Maybe having a baby wasn't as good

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Speaker 4: as that. So what I'm going to say four fours

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Speaker 4: on five, but give everyone a five.

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Speaker 2: If five is over five, they deserve it.

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Speaker 6: You can tell you guys have been hard at work

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Speaker 6: today because we're getting impressions voices.

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Speaker 2: So today today Beck and I have done so we

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Speaker 2: always save the Friday drinks. Is like a little treat

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Speaker 2: at the end. Love This little treaty treat just comes

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Speaker 2: in at the very end to record. So she's like chips.

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Speaker 2: You've had a really nice day work, Jess, can I

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Speaker 2: eight hours straight recording.

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Speaker 4: Being very silly?

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Speaker 2: We are so silly, so silly. I've had so many coffees.

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Speaker 2: I've had this really bad hot chocolate that I made

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Speaker 2: in the staff kitchen. One out of ten would not

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Speaker 2: recommend Mike crew waving soy milk.

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Speaker 4: That's a one star, always bad microwaving soy milk.

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Speaker 5: You can't do it either.

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Speaker 2: It's a trap. No three coke zeros, like my body

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Speaker 2: is a temple.

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Speaker 4: To worship coke zero.

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Speaker 2: Exactly, How did you know? Anyway? Tell us your best

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Speaker 2: broad tip for the week back.

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Speaker 4: Okay, one more actually I have from Jess, not just Richie,

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Speaker 4: who says to squeeze the toilet paper to avoid over

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Speaker 4: rolling to it kind of results in you know, longer use,

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Speaker 4: which is actually a really good idea because you know,

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Speaker 4: you just like you pull the thing, the thing just

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Speaker 4: rolls and rolls. You use so much toilet paper you

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Speaker 4: probably go through it and you have to buy a

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Speaker 4: whole new twenty four pack in like a few I

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Speaker 4: don't know, for me, maybe last a week or two.

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Speaker 2: A single strange or fold. I'm a scratcher, but like,

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Speaker 2: how many like squares are you using? Well, this is

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Speaker 2: the screen and exactly as Jess says, and this is

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Speaker 2: something I didn't even notice I do. I yank it

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Speaker 2: and wait till it stops orically on its own and

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Speaker 2: Newton's law or whatever right stops.

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Speaker 6: And if you're a parent, like a lot of the time,

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Speaker 6: like you're doing it one handed. Like I know people

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Speaker 6: like if you've gone to a restroom and you've got

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Speaker 6: a child, you're like holding the trial trying to make

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Speaker 6: sure they're not touching something in that toilet they're not

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Speaker 6: supposed to whatever. You're doing it at one handed, so you

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Speaker 6: would like you just do a lat week.

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Speaker 4: But if he scrun shit or like like you kind

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Speaker 4: of like press it down, so the role you squish

307
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Speaker 4: the roll so it doesn't like roll is easy. Yeah,

308
00:13:24,360 --> 00:13:26,160
Speaker 4: and then you get just what you need and then

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Speaker 4: you're more like mind crab it, you know what I mean,

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Speaker 4: which is quite smart, really good idea.

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Speaker 2: In the long run, you're.

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Speaker 4: Actually going to save quite a bit of money. It's great,

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Speaker 4: thank you, Jess.

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Speaker 2: Not very aesthetic.

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Speaker 4: It's not very aesthetic, but you know, you.

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Speaker 2: Get what you get, and you don't get up exactly

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Speaker 2: right now.

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Speaker 4: My broke tip for this week. What I was going

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Speaker 4: to do was and this is probably a little bit different,

320
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Speaker 4: but I'm going to open up my ig app right

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Speaker 4: now and tell you exactly how much money I have

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Speaker 4: in here for the rest of the week.

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Speaker 2: Stunning.

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Speaker 4: So payday is in one week's time. I'm aware I

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Speaker 4: have fifteen dollars twelve plus twenty one. I have fifteen

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Speaker 4: dollars and thirty three cents.

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Speaker 2: Oh did you think that when she was doing fifteen

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Speaker 2: plus thirty three or whatever she said, I thought it

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00:14:05,320 --> 00:14:06,600
Speaker 2: was going to be dollars. It was cents.

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Speaker 4: It says twenty one plus twelve cents on that edge.

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Speaker 4: But I gat a quick mass, great quy, thank you

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Speaker 4: so much. So this is what I wanted to tell you, guys,

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00:14:15,520 --> 00:14:17,240
Speaker 4: is that I do have a few things coming up

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Speaker 4: that I still want to be doing. I don't want

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Speaker 4: to cancel on everyone because I kin't of afford to

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Speaker 4: go out because that would make me really sad, and

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Speaker 4: I don't want to be sad all week. So let

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00:14:28,040 --> 00:14:29,480
Speaker 4: me tell you what I have coming up and how

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Speaker 4: I'm about to make.

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Speaker 2: This fifteen dollars and thirty three cents last I'm really

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Speaker 2: excited to hear this week.

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Speaker 4: Okay.

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Speaker 2: Just to preface though, before we get into this, I

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00:14:39,840 --> 00:14:42,040
Speaker 2: feel like it needs to be disclaimed that you have

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Speaker 2: a good salary.

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Speaker 4: Now I do, but as I have mentioned in previous episodes,

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Speaker 4: I am currently back paying things.

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Speaker 2: Yeah, okay, example like get that next step. All right,

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Speaker 2: that's fair, because I was like, where is this coming from.

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00:14:56,840 --> 00:14:59,440
Speaker 2: I'm also bad with money, that is, I wasn't pointing

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00:14:59,480 --> 00:15:02,440
Speaker 2: out that you bad with my We need to disclaimer.

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Speaker 2: It's not like this is the norm for you, like

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Speaker 2: as it has been, but in the future it's going

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Speaker 2: to be you can to track the journey. I'm so excited, as.

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Speaker 6: Say beans going through the journey and that's it's okay

356
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Speaker 6: to have fifteen dollars.

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Speaker 2: There's nothing wrong with it.

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Speaker 4: And also I should say I'm extremely comfortable with this

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Speaker 4: kind of thing. This is a very very normal week

360
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Speaker 4: for me. So at the end of.

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Speaker 2: How are we budgeting though, like, how are we making

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Speaker 2: this stretch?

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Speaker 4: Okay, so let me tell you what I'm about to do.

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00:15:28,800 --> 00:15:32,520
Speaker 4: I'm ready so tonight, Yes, I am meeting my brother

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Speaker 4: for a drink at the pub. Oh how I'm not

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Speaker 4: going to drink I'm going to get soda water. And

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Speaker 4: you know what I'm going to do. I'm going to

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Speaker 4: find the pub that I know already does free soda water.

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Speaker 4: So I'm giving a shout out to Eaties on leg

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Speaker 4: On Streat in Brunswick East. I'm giving a shout out

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Speaker 4: to a few more. Retreat is also a good one

372
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Speaker 4: in Brunswick. Just kind of trial and error. I know

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Speaker 4: which ones don't charge me for soda water. I'm going there.

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Speaker 4: I'm going to get soda water. But before I go,

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Speaker 4: I'm going into the office. I'm going into the kitchen. Yes,

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00:16:01,800 --> 00:16:05,160
Speaker 4: and I'm gonna find little snacks. We sometimes have bread

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00:16:05,200 --> 00:16:07,520
Speaker 4: and cheeses in there that I could probably buy on

378
00:16:07,600 --> 00:16:09,520
Speaker 4: my own. It wouldn't cost too much. I'm gonna make

379
00:16:09,600 --> 00:16:13,400
Speaker 4: two or three cheese toasties, stunning, and take these two

380
00:16:13,440 --> 00:16:16,520
Speaker 4: or three toasties. That's gonna last me. One for lunch.

381
00:16:17,760 --> 00:16:19,600
Speaker 4: I like to have two for lunch, but I'm gonna

382
00:16:19,640 --> 00:16:21,880
Speaker 4: like spread them out. One for lunch yep, one straight

383
00:16:21,920 --> 00:16:23,800
Speaker 4: after work yep, so one for dinner yep.

384
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Speaker 2: Stunning.

385
00:16:24,280 --> 00:16:26,240
Speaker 4: That's my whole day. And I tell you what that

386
00:16:26,360 --> 00:16:29,280
Speaker 4: is free. There's zero dollars. That's money weir and delicious

387
00:16:29,400 --> 00:16:33,480
Speaker 4: and delicious, and then next I have little things pop

388
00:16:33,560 --> 00:16:35,840
Speaker 4: up here and there. But that's okay. I'm okay with

389
00:16:35,880 --> 00:16:38,400
Speaker 4: that because I know that I'd never have to spend

390
00:16:38,400 --> 00:16:40,360
Speaker 4: money if I'm going to be drinking soda water. This

391
00:16:40,440 --> 00:16:43,120
Speaker 4: is an issue probably for someone who does drink. That's

392
00:16:43,120 --> 00:16:45,960
Speaker 4: when you go back to the five dollar wine situation. Now,

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00:16:46,120 --> 00:16:47,720
Speaker 4: the next thing I have, the big thing I have

394
00:16:47,800 --> 00:16:50,120
Speaker 4: coming up is trivia. Me and my best friend host

395
00:16:50,200 --> 00:16:51,920
Speaker 4: trivia in Rye on the Peninsula.

396
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Speaker 2: I don't around.

397
00:16:54,440 --> 00:16:57,200
Speaker 4: I've got to spend petrol money to get there. Oh

398
00:16:57,240 --> 00:16:59,000
Speaker 4: how am I going to do this?

399
00:16:59,560 --> 00:17:02,080
Speaker 2: We are asking, please?

400
00:17:02,640 --> 00:17:04,560
Speaker 4: What I'm going to do? Yes, is I'm going to

401
00:17:04,680 --> 00:17:07,520
Speaker 4: find a Wooly petrol station because I don't know if

402
00:17:07,520 --> 00:17:10,760
Speaker 4: you remember, but I have Woolas rewards points. I have

403
00:17:10,920 --> 00:17:13,359
Speaker 4: ten dollars on that that I'm going to be using

404
00:17:13,520 --> 00:17:14,400
Speaker 4: on petrol.

405
00:17:14,960 --> 00:17:17,400
Speaker 2: Only you've thought about this, yes, and that will get

406
00:17:17,400 --> 00:17:20,240
Speaker 2: me too, right, Nobody can say she's not the most

407
00:17:20,240 --> 00:17:21,560
Speaker 2: strategic woman you've.

408
00:17:21,440 --> 00:17:24,600
Speaker 4: Ever This whole week is going to be free. I

409
00:17:24,680 --> 00:17:26,199
Speaker 4: love it, so that will take me all the way

410
00:17:26,240 --> 00:17:27,520
Speaker 4: to rise. I'm going to stay there. I'm going to

411
00:17:27,520 --> 00:17:30,640
Speaker 4: stay to friend's house down there until payday. That might

412
00:17:30,680 --> 00:17:32,760
Speaker 4: be two three days. I don't mind. I'm willing to

413
00:17:32,800 --> 00:17:33,720
Speaker 4: stay down there until then.

414
00:17:33,960 --> 00:17:37,719
Speaker 2: Okay. As for food, oh no, whoe is her? She

415
00:17:37,760 --> 00:17:44,240
Speaker 2: has to go down to the beach and stay.

416
00:17:44,600 --> 00:17:46,719
Speaker 4: I'm just going to stay on the foreshore.

417
00:17:48,080 --> 00:17:48,800
Speaker 3: Like a pauper.

418
00:17:49,119 --> 00:17:49,560
Speaker 7: Just kidding.

419
00:17:49,960 --> 00:17:53,560
Speaker 4: Very very beautiful, obviously, this is the joke. For food,

420
00:17:53,800 --> 00:17:57,960
Speaker 4: What am I going to do? That is an bread baby?

421
00:17:58,119 --> 00:18:00,920
Speaker 4: Fill myself up on bread and milk. Milk is very

422
00:18:01,040 --> 00:18:06,240
Speaker 4: very very filling, servo coffees, Yeah, bread, everything else. She's

423
00:18:06,359 --> 00:18:09,320
Speaker 4: toasty butter and jam. And this is one that I've

424
00:18:09,320 --> 00:18:11,159
Speaker 4: said before, and I know that you'll probably stick with

425
00:18:11,240 --> 00:18:11,760
Speaker 4: me saying bread.

426
00:18:12,440 --> 00:18:14,360
Speaker 2: I'm not everybody's obsessed with bread.

427
00:18:14,400 --> 00:18:17,760
Speaker 4: Bread, bread, bread and anywhere you can free stuff, free

428
00:18:17,760 --> 00:18:20,520
Speaker 4: stuff anywhere you can, whether that's in your office, whether

429
00:18:20,520 --> 00:18:22,680
Speaker 4: that you have a friend that you can get food

430
00:18:22,680 --> 00:18:25,560
Speaker 4: from take away. You know, when you go to a

431
00:18:25,560 --> 00:18:27,159
Speaker 4: freeze house and they're like, this is something that I

432
00:18:27,200 --> 00:18:29,639
Speaker 4: was actually going to say next week, but here freebies

433
00:18:29,680 --> 00:18:31,800
Speaker 4: from your friend's houses. They cook stuff and you can't

434
00:18:31,800 --> 00:18:33,919
Speaker 4: be bothered taking food home and they're like, take something,

435
00:18:33,960 --> 00:18:35,000
Speaker 4: we got so much leftover.

436
00:18:35,400 --> 00:18:38,520
Speaker 2: Take it, yeah, take it, say yeah, take it. It's like

437
00:18:38,520 --> 00:18:41,280
Speaker 2: when Jess leaves my house, I'm like, take this, take that,

438
00:18:41,400 --> 00:18:43,600
Speaker 2: take this, and she's like stop it, and I'm like,

439
00:18:43,800 --> 00:18:45,640
Speaker 2: I don't know, take bax advice, take it.

440
00:18:45,680 --> 00:18:46,120
Speaker 4: Take it.

441
00:18:46,119 --> 00:18:47,000
Speaker 6: It's like shopping for free.

442
00:18:47,040 --> 00:18:48,959
Speaker 2: It's great. Take it.

443
00:18:49,720 --> 00:18:52,919
Speaker 4: So that's me and I'm assuming this fifteen dollars and

444
00:18:52,920 --> 00:18:56,000
Speaker 4: thirty three cents will last me a whole week if

445
00:18:56,000 --> 00:18:57,600
Speaker 4: I stick to my plan. I have to because I

446
00:18:57,640 --> 00:19:00,720
Speaker 4: have no other money. So that's that. And I hope

447
00:19:00,760 --> 00:19:01,480
Speaker 4: you've learned something.

448
00:19:02,000 --> 00:19:06,160
Speaker 2: You love, love love. You're a wizard at money.

449
00:19:06,359 --> 00:19:08,480
Speaker 4: Thank you so much. I'm just very used to being

450
00:19:08,960 --> 00:19:11,119
Speaker 4: living off fifteen dollars. For some reason, it's always fifteen.

451
00:19:11,160 --> 00:19:13,800
Speaker 4: I don't really know why always just turns into fifteen.

452
00:19:14,040 --> 00:19:16,240
Speaker 6: Maybe just spending the same amount of money every month,

453
00:19:16,800 --> 00:19:18,960
Speaker 6: there's a pattern there, Like that's that actual thing, Like

454
00:19:19,000 --> 00:19:21,000
Speaker 6: you're probably spending on the same things, the same amount

455
00:19:21,040 --> 00:19:22,000
Speaker 6: of money on the same things.

456
00:19:22,760 --> 00:19:25,960
Speaker 2: Maybe there's like a light bank account, a cliff number

457
00:19:26,680 --> 00:19:29,520
Speaker 2: like where I don't know. Maybe it's like fifty bucks,

458
00:19:29,560 --> 00:19:31,520
Speaker 2: and when you only see fifty bucks in your account,

459
00:19:31,560 --> 00:19:34,120
Speaker 2: you like really hold back spending and then think it's

460
00:19:34,200 --> 00:19:36,960
Speaker 2: like yeah, yeah, Like you get to fifteen and you're like, oh,

461
00:19:37,160 --> 00:19:39,800
Speaker 2: stuff's starting to get really real. And then you start

462
00:19:39,880 --> 00:19:43,040
Speaker 2: slowly slowly, and by the time you've like cut back

463
00:19:43,040 --> 00:19:44,960
Speaker 2: and cut back, it's just at fifteen and then that's

464
00:19:45,000 --> 00:19:47,040
Speaker 2: what you've got left. Maybe that's where it is, because

465
00:19:47,040 --> 00:19:49,920
Speaker 2: I feel like lots of people, especially people who live

466
00:19:50,520 --> 00:19:53,360
Speaker 2: month to month, have that like Cliff number where they

467
00:19:53,600 --> 00:19:55,200
Speaker 2: aren't worried. I aren't worried, and then you see that

468
00:19:55,280 --> 00:19:59,480
Speaker 2: number and you're like, oh, I better be responsible. Yeah

469
00:19:59,520 --> 00:20:03,200
Speaker 2: I think so there's the responsibility Cliff number. It's science.

470
00:20:03,560 --> 00:20:06,000
Speaker 4: Yeah. Yeah, that's very interesting.

471
00:20:06,119 --> 00:20:06,680
Speaker 2: Now that's a.

472
00:20:06,640 --> 00:20:09,560
Speaker 6: Great week of tips for me. It was really interesting.

473
00:20:09,640 --> 00:20:10,400
Speaker 6: That was so helpful.

474
00:20:10,480 --> 00:20:13,800
Speaker 4: Thank you so much. How good Thank you for no.

475
00:20:13,920 --> 00:20:15,719
Speaker 6: One more good one that I feel like we can

476
00:20:15,760 --> 00:20:17,720
Speaker 6: actually help you out with. If you have a friend

477
00:20:17,720 --> 00:20:21,280
Speaker 6: who uses a subscription service. We both obviously love Marley Spoon.

478
00:20:21,840 --> 00:20:25,120
Speaker 6: They generally do if you've been a customer of theirs

479
00:20:25,119 --> 00:20:26,800
Speaker 6: for a while, and if you're paying for boxes, which

480
00:20:26,800 --> 00:20:29,399
Speaker 6: we do, you get like a free box. You can

481
00:20:29,440 --> 00:20:31,959
Speaker 6: earn credits or it's different depending on what platform use.

482
00:20:32,000 --> 00:20:33,840
Speaker 6: I know for Maley the longer you're there, the more

483
00:20:33,840 --> 00:20:34,880
Speaker 6: credits you build up there.

484
00:20:34,960 --> 00:20:37,399
Speaker 2: You can't just like send it to new people and

485
00:20:37,440 --> 00:20:40,120
Speaker 2: everyone gets a free box. Like there's a limit on

486
00:20:40,119 --> 00:20:42,480
Speaker 2: how many people I could refer So I'm going to

487
00:20:42,480 --> 00:20:45,479
Speaker 2: send you a free box obviously, thank you. But if

488
00:20:45,520 --> 00:20:48,879
Speaker 2: you've got friends that have that referral link, like for

489
00:20:48,920 --> 00:20:50,080
Speaker 2: a free box.

490
00:20:49,880 --> 00:20:51,880
Speaker 6: Yeah, and you don't have to spend any money, they

491
00:20:51,880 --> 00:20:54,240
Speaker 6: can just go, Hey, you want to try it out?

492
00:20:54,280 --> 00:20:56,200
Speaker 2: See what's so good? Here's a box.

493
00:20:56,320 --> 00:20:58,240
Speaker 6: If you order normally, there's like three or four meals

494
00:20:58,240 --> 00:20:59,560
Speaker 6: that you get in one of those boxes. If you're

495
00:20:59,560 --> 00:21:03,280
Speaker 6: a single person that can save them double it. That's

496
00:21:03,359 --> 00:21:04,920
Speaker 6: like four or five days.

497
00:21:04,720 --> 00:21:07,639
Speaker 4: With me and god, that's good.

498
00:21:07,800 --> 00:21:11,240
Speaker 2: Okay, genius that is Jane, so smart, so smart.

499
00:21:11,240 --> 00:21:12,160
Speaker 4: Thank you so much.

500
00:21:12,520 --> 00:21:14,640
Speaker 2: You're a genius, Jessica. Let's go to a really quick

501
00:21:14,680 --> 00:21:16,600
Speaker 2: break on the flip side. I want to talk about

502
00:21:16,640 --> 00:21:20,200
Speaker 2: calculating superannuation for retirement, which I know you guys cannot wait.

503
00:21:20,720 --> 00:21:23,160
Speaker 2: And we're also unpecking a message that you slip into

504
00:21:23,160 --> 00:21:25,960
Speaker 2: our DMS about which this week is all about subletting

505
00:21:26,040 --> 00:21:29,760
Speaker 2: a share house. So don't go anywhere. My Marley Spoon friends.

506
00:21:35,600 --> 00:21:37,960
Speaker 6: Welcome back, everybody. Let's take a listen to the Money

507
00:21:37,960 --> 00:21:38,720
Speaker 6: to Lemma this week.

508
00:21:40,680 --> 00:21:43,040
Speaker 2: Hi, there, have you got a money dilemma you just

509
00:21:43,080 --> 00:21:45,600
Speaker 2: can't solve? The She's on the Money team is here

510
00:21:45,640 --> 00:21:48,880
Speaker 2: to help. Every week we tackle your dilemmas, both big

511
00:21:48,920 --> 00:21:51,639
Speaker 2: and small, to answer your most burning money, career and

512
00:21:51,680 --> 00:21:54,880
Speaker 2: life questions. To get involved, simply head to our website

513
00:21:54,920 --> 00:21:57,040
Speaker 2: and leave us a short voice recording and you might

514
00:21:57,119 --> 00:21:59,639
Speaker 2: just find yourself on the show. Now, let's take a

515
00:21:59,640 --> 00:22:01,440
Speaker 2: listen said this wakes money dilemma.

516
00:22:04,119 --> 00:22:06,840
Speaker 7: My name is Ravi and I'm about to retire next

517
00:22:06,840 --> 00:22:10,480
Speaker 7: month with the super balance of one point six. When

518
00:22:10,520 --> 00:22:14,960
Speaker 7: I checked super calculators online, it shows that money will

519
00:22:15,040 --> 00:22:17,680
Speaker 7: finish by the age of ninety one, which is fine.

520
00:22:18,080 --> 00:22:22,280
Speaker 7: But my question to that calculator is, if we assume

521
00:22:22,400 --> 00:22:25,600
Speaker 7: five percent's return and five percent we draw on, the

522
00:22:25,840 --> 00:22:29,120
Speaker 7: super balance at the age of ninety one should be there,

523
00:22:29,800 --> 00:22:34,840
Speaker 7: but the calculator shows is gone completely. Am I missing something?

524
00:22:35,560 --> 00:22:35,919
Speaker 7: Thank you?

525
00:22:36,400 --> 00:22:38,200
Speaker 2: Yeah, take it away.

526
00:22:38,480 --> 00:22:38,760
Speaker 6: Yeah.

527
00:22:38,840 --> 00:22:41,159
Speaker 4: I could say a few things about this one, but

528
00:22:41,200 --> 00:22:42,880
Speaker 4: you know what, I don't want to embarrass you guys,

529
00:22:42,920 --> 00:22:44,800
Speaker 4: So what I might do is instead of you know,

530
00:22:44,880 --> 00:22:47,960
Speaker 4: obviously giving an expert opinion I might throw to one

531
00:22:47,960 --> 00:22:48,159
Speaker 4: of you.

532
00:22:48,400 --> 00:22:51,560
Speaker 6: Yes, I would say, I love you.

533
00:22:52,200 --> 00:22:54,120
Speaker 4: I want to lie love you, RAVI.

534
00:22:54,520 --> 00:22:57,680
Speaker 2: I'm so glad that you wanted to ask us. Yeah, congrats,

535
00:22:57,720 --> 00:23:01,000
Speaker 2: I'm retiring. By the way, that happening next month. There

536
00:23:01,040 --> 00:23:03,520
Speaker 2: are some gaps that I have had to fill in

537
00:23:03,560 --> 00:23:06,960
Speaker 2: your situation, which is exactly why you don't know what

538
00:23:07,000 --> 00:23:08,679
Speaker 2: to say. I was about to say, fun, could you

539
00:23:08,680 --> 00:23:11,040
Speaker 2: guys like, let me take the reins on this or

540
00:23:11,160 --> 00:23:11,880
Speaker 2: is that all good?

541
00:23:12,320 --> 00:23:12,679
Speaker 4: Straight?

542
00:23:12,920 --> 00:23:14,840
Speaker 2: I know it's all day. Yes, So I was thinking

543
00:23:14,880 --> 00:23:17,040
Speaker 2: I might give it a crack at answering this question.

544
00:23:17,400 --> 00:23:18,080
Speaker 2: We'll let it slide.

545
00:23:18,200 --> 00:23:19,200
Speaker 4: Say that's fine.

546
00:23:19,280 --> 00:23:22,119
Speaker 2: You're retiring next month, which I think is really exciting.

547
00:23:22,400 --> 00:23:25,720
Speaker 2: And so I did some calculations because you told me

548
00:23:25,840 --> 00:23:29,520
Speaker 2: that you had a one point six million dollar portfolio

549
00:23:29,880 --> 00:23:32,720
Speaker 2: and that it would last you until the age of

550
00:23:32,840 --> 00:23:35,560
Speaker 2: ninety one, but you didn't tell us how old you were.

551
00:23:35,800 --> 00:23:38,440
Speaker 2: But based on a draw down rate of five percent,

552
00:23:38,560 --> 00:23:41,240
Speaker 2: and what I think you've done with this retirement calculator,

553
00:23:41,280 --> 00:23:44,560
Speaker 2: which I'll explain to you why maybe we haven't used

554
00:23:44,560 --> 00:23:47,080
Speaker 2: it effectively because at the end of the day, one

555
00:23:47,080 --> 00:23:51,520
Speaker 2: point six million dollars should technically still exist at the

556
00:23:51,720 --> 00:23:54,040
Speaker 2: end of that period of time, because his question is

557
00:23:54,080 --> 00:23:56,919
Speaker 2: really valid. He's like, I've used this retirement calculator and

558
00:23:56,920 --> 00:23:59,440
Speaker 2: it's saying that if I draw down five percent every

559
00:23:59,480 --> 00:24:02,880
Speaker 2: single year, I'll have nothing by the time I'm ninety one.

560
00:24:03,440 --> 00:24:06,120
Speaker 2: Which if that's the case, what I think you've done

561
00:24:06,240 --> 00:24:08,840
Speaker 2: is gone to a calculator that tells you you know

562
00:24:09,040 --> 00:24:11,520
Speaker 2: what your retirement income is going to look like based

563
00:24:11,560 --> 00:24:15,600
Speaker 2: on a five percent estimated earnings rate, which is from

564
00:24:15,600 --> 00:24:18,800
Speaker 2: my perspective, a really conservative rate, Like that's what makes

565
00:24:18,880 --> 00:24:21,199
Speaker 2: me feel the most comfortable. When I was working as

566
00:24:21,200 --> 00:24:23,639
Speaker 2: a financial advisor, That's what i'd work on with my

567
00:24:23,720 --> 00:24:27,040
Speaker 2: clients because on average it's higher, but I'd prefer you

568
00:24:27,080 --> 00:24:30,600
Speaker 2: to be pleasantly surprised than in a financial pickup. So

569
00:24:30,680 --> 00:24:33,720
Speaker 2: that means of one point six million dollars, you'd be

570
00:24:33,840 --> 00:24:37,920
Speaker 2: technically making a profit each year, or your share portfolio

571
00:24:37,960 --> 00:24:41,000
Speaker 2: would be making about eighty thousand dollars a year. What

572
00:24:41,040 --> 00:24:43,560
Speaker 2: I'm assuming has happened is you've gone to this calculator

573
00:24:43,720 --> 00:24:46,520
Speaker 2: and you've put down a draw down amount of eighty

574
00:24:46,600 --> 00:24:50,400
Speaker 2: thousand dollars, and you've also assumed that you'll be making

575
00:24:50,440 --> 00:24:54,560
Speaker 2: that eighty thousand dollars from your share portfolio each year,

576
00:24:54,880 --> 00:24:57,080
Speaker 2: so that's one hundred and sixty thousand dollars you'd be

577
00:24:57,160 --> 00:24:59,959
Speaker 2: drawing down. And if that's the case, you're seventy year

578
00:25:00,040 --> 00:25:03,680
Speaker 2: years old and you're about to retire, which is really exciting. However,

579
00:25:04,280 --> 00:25:07,000
Speaker 2: the issue here is the difference between what your fund

580
00:25:07,080 --> 00:25:11,160
Speaker 2: will make and what your drawdown amount is, so each

581
00:25:11,160 --> 00:25:13,240
Speaker 2: and every single year, and this is where it gets

582
00:25:13,240 --> 00:25:15,159
Speaker 2: a little bit fickle. And to be honest, you have

583
00:25:15,240 --> 00:25:19,000
Speaker 2: one point six million dollars. Please go see a financial advisor. Please,

584
00:25:19,040 --> 00:25:21,640
Speaker 2: you have so much money. I know you've probably done

585
00:25:21,680 --> 00:25:23,959
Speaker 2: all of this on your own, and that is so

586
00:25:24,400 --> 00:25:27,720
Speaker 2: damn impressive, so cool, But now is the time to

587
00:25:27,800 --> 00:25:30,399
Speaker 2: actually get all your ducks in a row because it

588
00:25:30,480 --> 00:25:33,080
Speaker 2: could be really financially easy for you. But you have

589
00:25:33,160 --> 00:25:35,920
Speaker 2: the ability right now, and I'm so passionate about legacy,

590
00:25:36,200 --> 00:25:37,840
Speaker 2: but you have the ability to set this up for

591
00:25:37,960 --> 00:25:40,600
Speaker 2: years to come like this. One point six million dollars

592
00:25:40,680 --> 00:25:45,480
Speaker 2: doesn't need to necessarily go anywhere. However, in retirement, technically

593
00:25:45,800 --> 00:25:48,719
Speaker 2: you do have to do what's called a drawdown, and

594
00:25:48,800 --> 00:25:51,800
Speaker 2: most people do five percent of draw down, which means

595
00:25:51,800 --> 00:25:54,440
Speaker 2: you'd be taking eighty thousand dollars out as a drawdown

596
00:25:54,480 --> 00:25:57,760
Speaker 2: of your funds, so taking money outside the super environment,

597
00:25:58,000 --> 00:26:00,679
Speaker 2: and you would also be taking the profits your income

598
00:26:00,680 --> 00:26:04,640
Speaker 2: because you're now retired. I'm going to assume these are

599
00:26:04,640 --> 00:26:08,320
Speaker 2: massive assumptions because we don't have your full financial circumstances.

600
00:26:08,800 --> 00:26:10,920
Speaker 2: If you've managed to get one point six million dollars

601
00:26:10,960 --> 00:26:16,280
Speaker 2: into superannuation, you're probably pretty financially stable outside of super.

602
00:26:16,520 --> 00:26:19,280
Speaker 2: Is that a good assumption? I feel like that's pretty good. Guess.

603
00:26:20,280 --> 00:26:23,119
Speaker 2: I doubt that in retirement you need one hundred and

604
00:26:23,160 --> 00:26:27,560
Speaker 2: sixty thousand dollars tax free. So you're going to talk

605
00:26:27,560 --> 00:26:30,520
Speaker 2: to your financial advisor about putting that to work. Are

606
00:26:30,560 --> 00:26:31,320
Speaker 2: you investing it?

607
00:26:31,880 --> 00:26:32,080
Speaker 1: Yes?

608
00:26:32,200 --> 00:26:35,200
Speaker 2: Obviously tax is going to come into that at that point.

609
00:26:35,240 --> 00:26:37,359
Speaker 2: If you're going to make money from your money, you

610
00:26:37,440 --> 00:26:39,639
Speaker 2: do have to pay once it comes out of the

611
00:26:39,680 --> 00:26:42,760
Speaker 2: super environment. But what I would be doing is going

612
00:26:42,800 --> 00:26:45,080
Speaker 2: and having a chat to a financial advisor to make

613
00:26:45,119 --> 00:26:47,160
Speaker 2: sure that your drawdown amount and the amount of money

614
00:26:47,160 --> 00:26:50,240
Speaker 2: that you're making makes sense. Because if you've just done

615
00:26:50,280 --> 00:26:54,560
Speaker 2: your calculations, you are correct. After twenty years, that amount

616
00:26:54,560 --> 00:26:57,760
Speaker 2: of money completely disappears because this. You know, if you

617
00:26:57,840 --> 00:27:00,720
Speaker 2: divide one point six million dollars by twenty you actually

618
00:27:00,760 --> 00:27:03,679
Speaker 2: get eighty grand. So all of that makes sense. But

619
00:27:03,720 --> 00:27:05,680
Speaker 2: what you need to do is talk to a financial

620
00:27:05,720 --> 00:27:08,280
Speaker 2: advisor about making a plan for what your money does

621
00:27:08,600 --> 00:27:11,919
Speaker 2: once you have it in your hands. And this is, ultimately, guys,

622
00:27:12,359 --> 00:27:14,919
Speaker 2: the dream position that I would want everyone to be

623
00:27:15,000 --> 00:27:18,000
Speaker 2: in when they retire. Right, Hey, Beck, you've got more

624
00:27:18,000 --> 00:27:21,280
Speaker 2: money coming in than your lifestyle needs. Right So I

625
00:27:21,320 --> 00:27:24,720
Speaker 2: obviously don't know that as gospel for our friend Ravi,

626
00:27:25,119 --> 00:27:27,760
Speaker 2: but Ravi, if you want, shoot us a message and

627
00:27:27,800 --> 00:27:29,360
Speaker 2: I will set you up with one of the financial

628
00:27:29,400 --> 00:27:31,920
Speaker 2: advisors that I know and I trust to make sure

629
00:27:31,920 --> 00:27:34,199
Speaker 2: that you're in the best possible position, because at the

630
00:27:34,320 --> 00:27:37,120
Speaker 2: end of the day, that money isn't just going nowhere,

631
00:27:37,280 --> 00:27:39,360
Speaker 2: like it can be put to work, and that one

632
00:27:39,359 --> 00:27:42,400
Speaker 2: point six million dollars, if you're drawing it down, the

633
00:27:42,440 --> 00:27:45,600
Speaker 2: probability of you actually getting through one hundred and sixty

634
00:27:45,680 --> 00:27:49,560
Speaker 2: thousand dollars a year might not need that much. So like,

635
00:27:49,720 --> 00:27:52,280
Speaker 2: maybe you're getting through eighty thousand dollars of it, and

636
00:27:52,320 --> 00:27:55,000
Speaker 2: we take that other eighty thousand and invest it into

637
00:27:55,080 --> 00:27:58,439
Speaker 2: something else, so that hopefully you can live beyond ninety

638
00:27:58,440 --> 00:27:59,960
Speaker 2: one years financially comfortably.

639
00:28:00,200 --> 00:28:00,520
Speaker 4: Yes.

640
00:28:03,000 --> 00:28:06,119
Speaker 2: I Actually what happened on the way into the studio

641
00:28:06,160 --> 00:28:08,080
Speaker 2: is Ess dropped her notes and I picked them up,

642
00:28:08,119 --> 00:28:10,160
Speaker 2: and I was like, I'm going to take credit for this.

643
00:28:10,440 --> 00:28:14,600
Speaker 2: I see. Yeah, it happens all the time. Actually, yes, yeah, yeah,

644
00:28:14,640 --> 00:28:15,919
Speaker 2: Please don't tell anyone.

645
00:28:16,520 --> 00:28:19,720
Speaker 4: I can't trust myself not to. Yeah, but I'm not

646
00:28:19,800 --> 00:28:20,600
Speaker 4: going to today.

647
00:28:20,760 --> 00:28:24,919
Speaker 2: Okay, you can steal Jess's notes next week if I find.

648
00:28:23,720 --> 00:28:25,359
Speaker 4: That my lips are sealed.

649
00:28:26,000 --> 00:28:28,120
Speaker 6: I feel like though, we're going to have some good

650
00:28:28,200 --> 00:28:31,440
Speaker 6: things to contribute from our notes for this week's community dilemma.

651
00:28:31,600 --> 00:28:35,040
Speaker 2: Yes, yes, yes, all right, Jesse? Are you ready ready?

652
00:28:35,160 --> 00:28:36,520
Speaker 2: I think you're excited about this?

653
00:28:36,720 --> 00:28:37,040
Speaker 6: I am.

654
00:28:37,200 --> 00:28:39,080
Speaker 2: Okay. So this week we got a message and it

655
00:28:39,120 --> 00:28:43,600
Speaker 2: reads like this, Hello for exclamation points. I have a

656
00:28:43,680 --> 00:28:46,560
Speaker 2: roommate dilemma. Good to see a few people struggle with this,

657
00:28:46,760 --> 00:28:50,120
Speaker 2: not just me. So my housemate is off on placement

658
00:28:50,200 --> 00:28:52,640
Speaker 2: and she'll be gone for the next two months. We've

659
00:28:52,680 --> 00:28:55,280
Speaker 2: told her we aren't comfortable with her filling the room

660
00:28:55,360 --> 00:28:58,680
Speaker 2: with a random person, as we've had bad roommate experiences

661
00:28:58,680 --> 00:29:01,120
Speaker 2: in the past. We told her she doesn't need to

662
00:29:01,160 --> 00:29:04,040
Speaker 2: pay for any bills. But she's getting really annoyed at

663
00:29:04,160 --> 00:29:06,280
Speaker 2: us because she says she can't afford the rent as

664
00:29:06,320 --> 00:29:09,400
Speaker 2: it's a volunteer placement and she really wants us to

665
00:29:09,440 --> 00:29:11,560
Speaker 2: fill the room. I don't want to be rude about it,

666
00:29:11,600 --> 00:29:14,160
Speaker 2: and I'm trying really hard to be empathetic. But if

667
00:29:14,160 --> 00:29:16,239
Speaker 2: this was something we knew what happened prior to her

668
00:29:16,280 --> 00:29:18,880
Speaker 2: moving in, we honestly would have said, no, are we

669
00:29:19,000 --> 00:29:22,200
Speaker 2: being unreasonable not letting someone move in as it means

670
00:29:22,240 --> 00:29:25,200
Speaker 2: her finances will be tight. I feel like we are

671
00:29:25,240 --> 00:29:28,400
Speaker 2: being good by not making her pay bills while she's gone.

672
00:29:28,480 --> 00:29:29,600
Speaker 2: I'm super conflicted.

673
00:29:29,920 --> 00:29:32,640
Speaker 6: I feel like Ane Lisa and I have different opinions

674
00:29:32,680 --> 00:29:35,640
Speaker 6: on this because I can see her nodding along do something.

675
00:29:36,440 --> 00:29:42,320
Speaker 4: Looks so grumpy, she looks cranky. I'm scared to say

676
00:29:42,320 --> 00:29:42,640
Speaker 4: what I think.

677
00:29:42,680 --> 00:29:46,040
Speaker 2: Now you can go first. I'm scared to say what

678
00:29:46,160 --> 00:29:46,600
Speaker 2: I think.

679
00:29:46,720 --> 00:29:49,440
Speaker 4: I am not scared because the look on our producer's

680
00:29:49,520 --> 00:29:50,640
Speaker 4: face is the same.

681
00:29:50,800 --> 00:29:51,760
Speaker 2: Is she gon us?

682
00:29:52,760 --> 00:29:54,120
Speaker 4: Yeah, we're both gonna get used.

683
00:29:55,640 --> 00:29:55,680
Speaker 1: On.

684
00:29:55,720 --> 00:29:57,400
Speaker 2: I'm going to sit on my hands and my toes

685
00:29:57,440 --> 00:30:00,240
Speaker 2: and zip my mouth shruck. So you're gonna any travel.

686
00:30:00,280 --> 00:30:03,160
Speaker 4: All right, you know that I like to be nice

687
00:30:03,200 --> 00:30:05,960
Speaker 4: to everyone because I can definitely you know, everyone's living

688
00:30:05,960 --> 00:30:09,760
Speaker 4: their own reality. No one deserves being roasted, So I'm

689
00:30:09,800 --> 00:30:11,360
Speaker 4: not about to roast anyone here, I know.

690
00:30:11,560 --> 00:30:15,320
Speaker 2: But yes she is, but sit down because it's about

691
00:30:15,320 --> 00:30:19,480
Speaker 2: to get real hot but not roasty.

692
00:30:20,600 --> 00:30:23,320
Speaker 4: No, So the person who wrote in, yes, I can

693
00:30:23,400 --> 00:30:27,040
Speaker 4: understand the discomfort there, I can hopefully understand that. Unfortunately,

694
00:30:27,080 --> 00:30:30,880
Speaker 4: though subletting a room is I don't know, in a

695
00:30:30,920 --> 00:30:34,400
Speaker 4: sharehouse normal thing to do. I can totally understand not

696
00:30:34,400 --> 00:30:37,680
Speaker 4: wanting a stranger in there. But don't be sack. What

697
00:30:37,960 --> 00:30:40,600
Speaker 4: don't be mean? Just let someone else live in.

698
00:30:40,560 --> 00:30:41,600
Speaker 2: There while she's gone.

699
00:30:42,000 --> 00:30:44,280
Speaker 4: Absolutely, because wait wait wait wait wait wait, but this

700
00:30:44,320 --> 00:30:45,040
Speaker 4: is the other thing.

701
00:30:45,680 --> 00:30:47,280
Speaker 2: Oh, I'm so opinionated about this.

702
00:30:47,480 --> 00:30:49,160
Speaker 4: Nobody's the other thing. They said that they wouldn't let

703
00:30:49,200 --> 00:30:51,880
Speaker 4: this housemate. They wouldn't have let them move in if

704
00:30:51,880 --> 00:30:53,680
Speaker 4: they knew that they were going to have to sublet

705
00:30:53,720 --> 00:30:57,280
Speaker 4: in the future. So they were open to having another

706
00:30:57,360 --> 00:30:59,160
Speaker 4: person in the room at some point if they knew

707
00:30:59,200 --> 00:31:01,160
Speaker 4: that this person was going to like kind of float

708
00:31:01,160 --> 00:31:03,560
Speaker 4: in and out or whatever they needed to do. I

709
00:31:03,640 --> 00:31:06,000
Speaker 4: just think that subletting is fine. Like, if you all

710
00:31:06,040 --> 00:31:09,920
Speaker 4: interview a new person and you say, Okay, this person

711
00:31:10,000 --> 00:31:11,800
Speaker 4: is going to move in for six weeks, we all

712
00:31:11,920 --> 00:31:14,840
Speaker 4: like this person, it'd be the exact same process as

713
00:31:14,880 --> 00:31:18,920
Speaker 4: getting a whole new housemate. If this other person decided

714
00:31:18,960 --> 00:31:20,800
Speaker 4: that they can't actually afford it and they need to

715
00:31:20,800 --> 00:31:25,840
Speaker 4: move out, you're doing the exact same thing. Interviewing, posting pictures,

716
00:31:26,040 --> 00:31:28,720
Speaker 4: doing all this stuff. Whether this person moves out, yep,

717
00:31:28,800 --> 00:31:31,880
Speaker 4: So that person sublets that we've just picked Jess, they

718
00:31:31,880 --> 00:31:36,280
Speaker 4: can stay forever. Where is a line down the middle

719
00:31:36,280 --> 00:31:36,520
Speaker 4: of this.

720
00:31:36,560 --> 00:31:45,400
Speaker 2: Table, you're gonna you can get on the Mica. I

721
00:31:45,440 --> 00:31:48,280
Speaker 2: want to hear what Jess has got to say, because

722
00:31:48,320 --> 00:31:50,520
Speaker 2: I feel like I'm on Jess's team. I feel like it's.

723
00:31:50,360 --> 00:31:54,160
Speaker 6: Worth noting in a housemate situation, I think there are

724
00:31:54,160 --> 00:31:56,640
Speaker 6: two different kinds of housemate situations you can live in.

725
00:31:57,080 --> 00:32:00,800
Speaker 6: I personally have lived in multiple sharehouses, never with somebody

726
00:32:00,840 --> 00:32:04,720
Speaker 6: I didn't know, and that is a choice that I made. Beck,

727
00:32:04,800 --> 00:32:07,080
Speaker 6: I think your experience has been you've lived with a

728
00:32:07,120 --> 00:32:10,120
Speaker 6: whole roving group of people, people coming in, people coming out.

729
00:32:10,240 --> 00:32:13,920
Speaker 6: That's a bit more than norm for your situation. So

730
00:32:14,000 --> 00:32:16,840
Speaker 6: I think that's probably an important distinction to make upfront,

731
00:32:16,880 --> 00:32:19,080
Speaker 6: and to me, it sounds like they're three friends. They

732
00:32:19,120 --> 00:32:22,040
Speaker 6: moved in, they knew each other, They're going for kind

733
00:32:22,040 --> 00:32:24,120
Speaker 6: of like we feel like we're going to live well together.

734
00:32:24,320 --> 00:32:28,240
Speaker 6: That's the choice that they have made. My vibe on

735
00:32:28,280 --> 00:32:31,120
Speaker 6: this is, you knew you were going to go on placement,

736
00:32:31,360 --> 00:32:33,200
Speaker 6: do you know what I mean? Like, if you're undertaking

737
00:32:33,240 --> 00:32:36,360
Speaker 6: a degree, you know that placement's coming up. And I

738
00:32:36,400 --> 00:32:39,080
Speaker 6: completely agree. It is ridiculous that people should be doing

739
00:32:39,160 --> 00:32:41,640
Speaker 6: unpaid placement. My boyfriend did it last year. Yeah.

740
00:32:41,680 --> 00:32:44,840
Speaker 2: Absolutely, that's a completely different, completely different conversation.

741
00:32:44,920 --> 00:32:47,320
Speaker 6: I completely empathize with her, and I understand what a

742
00:32:47,360 --> 00:32:49,840
Speaker 6: financial strain that can put on you. That being said,

743
00:32:49,920 --> 00:32:52,680
Speaker 6: I'm of the opinion that your financial situation should not

744
00:32:52,760 --> 00:32:54,440
Speaker 6: impact the people that you're living with. And this is

745
00:32:54,480 --> 00:32:56,760
Speaker 6: a conversation that we have had before, and I.

746
00:32:56,680 --> 00:32:59,400
Speaker 2: Think I can just leave. That's fine because I'm on

747
00:32:59,440 --> 00:33:01,400
Speaker 2: the same page. Just whatever, just says I agree.

748
00:33:01,880 --> 00:33:04,760
Speaker 6: I just I especially because she knew. I think that's

749
00:33:04,800 --> 00:33:06,960
Speaker 6: something that should have been discussed when they moved in.

750
00:33:07,040 --> 00:33:08,680
Speaker 6: Hey I'm going to go on placement. I'm going to

751
00:33:08,760 --> 00:33:11,000
Speaker 6: need to sublet my room because I'm in the same

752
00:33:11,000 --> 00:33:13,040
Speaker 6: boat as her friends. If I was living with two

753
00:33:13,080 --> 00:33:14,680
Speaker 6: of my friends and they said, hey, we want to

754
00:33:14,680 --> 00:33:16,320
Speaker 6: put a random in here for two months, I would

755
00:33:16,360 --> 00:33:18,400
Speaker 6: say I'm not comfortable with that, And that is my

756
00:33:18,440 --> 00:33:22,360
Speaker 6: own personal reasons, my own personal comforts and anxieties and whatever.

757
00:33:22,960 --> 00:33:25,240
Speaker 6: But I think that they are entitled to live like

758
00:33:25,320 --> 00:33:27,560
Speaker 6: you've moved in on an agreement that the three of

759
00:33:27,640 --> 00:33:29,760
Speaker 6: us are going to live together for twelve months. That's

760
00:33:29,760 --> 00:33:31,680
Speaker 6: the other thing. I'm operating under the assumption that they're

761
00:33:31,680 --> 00:33:33,800
Speaker 6: on a twelve month lease, not a month to month lease.

762
00:33:34,200 --> 00:33:36,560
Speaker 6: So we've gone yep, me back in Victoria, we're all

763
00:33:36,600 --> 00:33:39,320
Speaker 6: moving in together for twelve months. Yeah, that's the agreement

764
00:33:39,320 --> 00:33:41,640
Speaker 6: that I've entered into. A lot of the time, at

765
00:33:41,800 --> 00:33:46,600
Speaker 6: least in Victoria, subletting is not necessarily allowed. A lot

766
00:33:46,840 --> 00:33:50,880
Speaker 6: of clauses do not allow it. True, So again, depending

767
00:33:50,920 --> 00:33:52,760
Speaker 6: on their clause, depending on their situation, that could be

768
00:33:52,800 --> 00:33:55,320
Speaker 6: a factor as well. I would not be comfortable with

769
00:33:55,360 --> 00:33:59,040
Speaker 6: some random person moving in. And I understand how they

770
00:33:59,080 --> 00:34:01,120
Speaker 6: have said. Annelie says like, get me on, get me on,

771
00:34:01,200 --> 00:34:03,920
Speaker 6: get me on. Like I understand both sides, but I

772
00:34:03,920 --> 00:34:05,520
Speaker 6: think in the same way that. I've said this for

773
00:34:05,600 --> 00:34:08,560
Speaker 6: other situations. You signed a contract saying the three of

774
00:34:08,640 --> 00:34:10,080
Speaker 6: us are going to do this, We're going to be

775
00:34:10,120 --> 00:34:14,239
Speaker 6: responsible for this, and if you were concerned about that

776
00:34:14,320 --> 00:34:16,520
Speaker 6: at the start, I think you maybe needed to have

777
00:34:16,520 --> 00:34:18,600
Speaker 6: a little bit of forethought. I think not having her

778
00:34:18,680 --> 00:34:20,680
Speaker 6: pay the bills to me seems like a good compromise.

779
00:34:20,680 --> 00:34:22,400
Speaker 6: That's what me and my partner did. He paid his

780
00:34:22,440 --> 00:34:24,319
Speaker 6: rent as per normal while he was paying to live

781
00:34:24,320 --> 00:34:27,200
Speaker 6: on placement somewhere else, and I paid our full utility bills.

782
00:34:27,400 --> 00:34:29,560
Speaker 4: Right, that's a good compromise.

783
00:34:29,640 --> 00:34:31,400
Speaker 5: Give me the mic so I can take it away.

784
00:34:32,239 --> 00:34:35,359
Speaker 5: It's a rare, rare moment where the money to talk

785
00:34:35,400 --> 00:34:38,120
Speaker 5: about this, because you know what, jay Rik, it's anelysi

786
00:34:38,160 --> 00:34:42,879
Speaker 5: here by the way, Hi, Hi, hey, so jay Rik,

787
00:34:42,960 --> 00:34:47,440
Speaker 5: I also completely agree with you and Victoria, and Victorian.

788
00:34:47,080 --> 00:34:50,319
Speaker 2: Said anything officially, I've not gone on for once. For once,

789
00:34:51,239 --> 00:34:52,800
Speaker 2: my house is a home, not a hostel.

790
00:34:52,880 --> 00:34:53,120
Speaker 6: Okay.

791
00:34:53,360 --> 00:34:56,440
Speaker 5: Literally, I would like to say, Jessica, I do completely

792
00:34:56,480 --> 00:34:59,520
Speaker 5: agree with you, and now at my age, no way

793
00:34:59,600 --> 00:35:02,720
Speaker 5: would I up with that. But what I would say is, okay,

794
00:35:02,880 --> 00:35:05,719
Speaker 5: say you are good friends and you have moved in together. Yeah,

795
00:35:05,719 --> 00:35:07,160
Speaker 5: why on earth did she not bring this up at

796
00:35:07,160 --> 00:35:09,560
Speaker 5: the start. But there are two types of housemates in

797
00:35:09,600 --> 00:35:12,120
Speaker 5: my long checkered history of sharehouses, right, and I have

798
00:35:12,200 --> 00:35:15,600
Speaker 5: had some absolute nightmares, and the people who house I'm

799
00:35:15,640 --> 00:35:16,800
Speaker 5: a fantastic housemate.

800
00:35:17,040 --> 00:35:21,760
Speaker 6: Do you think every everrying says that stole my underwear?

801
00:35:21,800 --> 00:35:24,040
Speaker 2: And I'm sure she'd say she was great. Yeah, Well

802
00:35:24,120 --> 00:35:25,000
Speaker 2: let's stick on the topic.

803
00:35:25,040 --> 00:35:27,400
Speaker 5: But I you know, we always had the housemate that

804
00:35:27,440 --> 00:35:29,279
Speaker 5: would do the flaky thing and be like, oh, I

805
00:35:29,280 --> 00:35:31,000
Speaker 5: actually I have to move out tomorrow and it's on

806
00:35:31,040 --> 00:35:33,360
Speaker 5: you to find a new person and whatever the unacceptable

807
00:35:33,360 --> 00:35:38,880
Speaker 5: share exactly, But there's a very very bond between perfect

808
00:35:38,920 --> 00:35:42,239
Speaker 5: and even legal and what is the right thing to

809
00:35:42,239 --> 00:35:44,880
Speaker 5: do and what actually happens in sharehouses. And what this

810
00:35:44,960 --> 00:35:46,880
Speaker 5: chick should have said is that she was going to

811
00:35:46,960 --> 00:35:49,360
Speaker 5: go on placement. Look for some reason she didn't, But

812
00:35:49,440 --> 00:35:53,400
Speaker 5: she is your friend. And what I would say in

813
00:35:53,400 --> 00:35:57,880
Speaker 5: this situation is she's probably not just saying she can't

814
00:35:58,120 --> 00:36:01,000
Speaker 5: pay the rent because she just wants to keep some

815
00:36:01,080 --> 00:36:04,959
Speaker 5: extra money. It's like, actually a difference between maybe doing

816
00:36:04,960 --> 00:36:06,960
Speaker 5: it and not doing it. And yes it's not she

817
00:36:07,080 --> 00:36:09,120
Speaker 5: left it way to the last minute. But if you

818
00:36:09,200 --> 00:36:12,480
Speaker 5: trust your friend. She can organize all of the what

819
00:36:12,520 --> 00:36:14,279
Speaker 5: do they call it interviews for people to come in.

820
00:36:14,680 --> 00:36:17,560
Speaker 5: You pick someone you like, and if they don't find someone,

821
00:36:17,680 --> 00:36:18,720
Speaker 5: it's two months.

822
00:36:18,840 --> 00:36:21,240
Speaker 4: Also, I mean that's eight weeks.

823
00:36:21,280 --> 00:36:22,200
Speaker 2: It's very very quick.

824
00:36:22,719 --> 00:36:24,520
Speaker 5: You don't have to say yes to anyone you don't like,

825
00:36:24,560 --> 00:36:26,360
Speaker 5: and you're like, okay, if we can't find not a

826
00:36:26,400 --> 00:36:27,279
Speaker 5: freak to move in.

827
00:36:27,280 --> 00:36:28,880
Speaker 2: Then sorry, you got to pay.

828
00:36:29,120 --> 00:36:32,880
Speaker 5: It's just in my experience, that gap between perfect normal,

829
00:36:32,920 --> 00:36:36,960
Speaker 5: stable adult life and sharehouse life is there is a

830
00:36:37,000 --> 00:36:39,839
Speaker 5: whole lot of movement in between, and it's really hard

831
00:36:39,880 --> 00:36:42,839
Speaker 5: and it gets very mucky. And yes, I have lived

832
00:36:42,840 --> 00:36:45,880
Speaker 5: with the biggest chaos lords on the planet and you

833
00:36:45,920 --> 00:36:48,000
Speaker 5: don't want to entertain that in your house. But I

834
00:36:48,160 --> 00:36:51,200
Speaker 5: just also think this person's your friend. You've moved into

835
00:36:51,200 --> 00:36:55,440
Speaker 5: with friends, like maybe you can help them out, not

836
00:36:55,640 --> 00:37:00,759
Speaker 5: let a toxic vibe in, but a short term and

837
00:37:01,000 --> 00:37:02,799
Speaker 5: vet that. You know.

838
00:37:03,280 --> 00:37:05,239
Speaker 6: But it's hard because if you've picked a friend to

839
00:37:05,320 --> 00:37:08,480
Speaker 6: move in, like you've cultivated a safe space.

840
00:37:08,680 --> 00:37:10,879
Speaker 5: From my perspective, well then you picked the wrong person

841
00:37:10,880 --> 00:37:11,880
Speaker 5: because your friend's lying to you.

842
00:37:12,080 --> 00:37:12,600
Speaker 4: Yes, I.

843
00:37:14,280 --> 00:37:15,960
Speaker 2: Well, sorry to get dramatic.

844
00:37:16,320 --> 00:37:18,880
Speaker 5: Yeah, no, I get what you mean, I just then like,

845
00:37:19,000 --> 00:37:21,279
Speaker 5: where's that friendship going to be after this? Then when

846
00:37:21,280 --> 00:37:23,720
Speaker 5: they're like, ah, no, you know is that in chatters?

847
00:37:23,840 --> 00:37:26,240
Speaker 6: There are other options though, like you can get grants

848
00:37:26,280 --> 00:37:30,080
Speaker 6: to help you pay for accommodation. I know James had

849
00:37:30,320 --> 00:37:32,880
Speaker 6: a good portion of his covered. It also depends, I

850
00:37:32,880 --> 00:37:35,719
Speaker 6: guess on what she's looking at for her alternative accommodation,

851
00:37:35,880 --> 00:37:39,440
Speaker 6: Like is she like, has she found a really affordable place,

852
00:37:39,800 --> 00:37:42,200
Speaker 6: you know, for her second home while she's on placement,

853
00:37:42,239 --> 00:37:45,040
Speaker 6: Like my partner was staying in quite frankly a trash heap,

854
00:37:45,120 --> 00:37:47,480
Speaker 6: Like it was a two meter by two meter box

855
00:37:47,719 --> 00:37:49,440
Speaker 6: with like a little square window, Like it was not

856
00:37:49,480 --> 00:37:50,880
Speaker 6: a nice place to live. But he's like, well, it

857
00:37:50,880 --> 00:37:52,440
Speaker 6: does the job, and it's cheap a f and it's

858
00:37:52,440 --> 00:37:53,800
Speaker 6: pretty much covered by my grant.

859
00:37:54,200 --> 00:37:54,879
Speaker 2: So that's it.

860
00:37:55,000 --> 00:37:58,759
Speaker 6: So I feel like there are other options here that

861
00:37:58,880 --> 00:38:02,399
Speaker 6: shouldn't necessarily mean that you have to put two other

862
00:38:02,440 --> 00:38:04,520
Speaker 6: people out on something.

863
00:38:04,239 --> 00:38:05,960
Speaker 4: That should be a last Yeah, definitely.

864
00:38:06,160 --> 00:38:06,359
Speaker 6: Yeah.

865
00:38:06,520 --> 00:38:09,400
Speaker 2: I feel like it's all fair and coming from different areas,

866
00:38:09,800 --> 00:38:13,200
Speaker 2: and I think it honestly depends on the personality of

867
00:38:13,320 --> 00:38:16,520
Speaker 2: the people that you're going to live with, right sure,

868
00:38:16,560 --> 00:38:19,879
Speaker 2: So like I could have already guessed that Beck you'd

869
00:38:19,880 --> 00:38:21,759
Speaker 2: be like, yeah, that's fine, someone else can come live

870
00:38:21,800 --> 00:38:24,200
Speaker 2: with me. Yeah, I already knew that. Jessica would have

871
00:38:24,280 --> 00:38:26,960
Speaker 2: just been like hard not. I think you already knew

872
00:38:27,320 --> 00:38:30,080
Speaker 2: both of you that I wouldn't have been comfortable with that. Yeah.

873
00:38:30,080 --> 00:38:33,600
Speaker 2: And I think it's about kind of the stability that

874
00:38:33,680 --> 00:38:37,319
Speaker 2: you're trying to create in your sharehouse. I know that

875
00:38:37,400 --> 00:38:40,200
Speaker 2: jess and I are very similar in that it was

876
00:38:40,239 --> 00:38:42,840
Speaker 2: never really just a sharehouse that we didn't care about. No, Like,

877
00:38:43,200 --> 00:38:45,560
Speaker 2: to me, that's my home, Like I have spent money

878
00:38:45,600 --> 00:38:48,359
Speaker 2: furnishing it. I have you know, invested in different things.

879
00:38:48,440 --> 00:38:50,759
Speaker 2: You know, there's been arguments along the way of who

880
00:38:50,800 --> 00:38:53,160
Speaker 2: needs to buy the dishwashing detergent and all of those

881
00:38:53,239 --> 00:38:56,320
Speaker 2: other things. But I'm the type of person that furnished

882
00:38:56,360 --> 00:38:58,880
Speaker 2: it and put you know, photos on the wall, and

883
00:38:58,920 --> 00:39:01,920
Speaker 2: these are my things. This is my home. I'm like,

884
00:39:01,960 --> 00:39:04,879
Speaker 2: it's not to me a hostel where people come and go.

885
00:39:05,040 --> 00:39:07,960
Speaker 2: Like I always moved in with people that I assumed

886
00:39:08,000 --> 00:39:12,239
Speaker 2: we would have a long term housemate relationship with. So

887
00:39:12,320 --> 00:39:13,960
Speaker 2: if someone had turned around and be like, oh, yeah,

888
00:39:13,960 --> 00:39:16,640
Speaker 2: I'm just gonna sublet my room it takes me a

889
00:39:16,680 --> 00:39:18,360
Speaker 2: lot to be comfortable with somebody.

890
00:39:18,400 --> 00:39:18,640
Speaker 3: Sure.

891
00:39:18,880 --> 00:39:22,360
Speaker 2: That whole idea that now I need to find time

892
00:39:22,400 --> 00:39:25,799
Speaker 2: in my schedule to interview people to potentially move into

893
00:39:25,800 --> 00:39:28,600
Speaker 2: my house that I might be comfortable with for only

894
00:39:28,960 --> 00:39:32,759
Speaker 2: eight weeks, I feel is not fair. It should have

895
00:39:32,840 --> 00:39:35,919
Speaker 2: been a conversation he had at the very beginning, where

896
00:39:36,360 --> 00:39:39,640
Speaker 2: maybe now listening to this, if you're moving into a sharehouse,

897
00:39:39,680 --> 00:39:42,080
Speaker 2: have that conversation with your housemates before you move in,

898
00:39:42,160 --> 00:39:44,839
Speaker 2: be like, hey, what if any of us go who's away? Yeah,

899
00:39:44,920 --> 00:39:49,960
Speaker 2: that's what if your finances are not your housemates' responsibility.

900
00:39:50,000 --> 00:39:53,439
Speaker 2: And yes, it's placement, but like I don't know, three

901
00:39:53,520 --> 00:39:56,320
Speaker 2: of our team members recently have done eight weeks stints

902
00:39:56,360 --> 00:40:00,720
Speaker 2: in Europe. I'm not saying that that's a key into placement.

903
00:40:00,719 --> 00:40:02,640
Speaker 2: There's a lot of privilege, there's a lot of discussion,

904
00:40:02,680 --> 00:40:06,120
Speaker 2: But just because your room is open doesn't mean that

905
00:40:06,200 --> 00:40:09,800
Speaker 2: someone necessarily comes and lives there. Like you, as you said, Jess,

906
00:40:09,960 --> 00:40:12,200
Speaker 2: you've signed a lease, you've moved in on the premise

907
00:40:12,239 --> 00:40:15,400
Speaker 2: that you've committed to that for twelve months. If the

908
00:40:15,440 --> 00:40:19,200
Speaker 2: circumstances that you can't commit to that anymore, well maybe

909
00:40:19,280 --> 00:40:21,600
Speaker 2: you give your housemates the option and be like, hey, cool,

910
00:40:21,600 --> 00:40:23,000
Speaker 2: well I'm not going to be able to afford it,

911
00:40:23,320 --> 00:40:25,080
Speaker 2: giving you notice now I'm going to move out. You're

912
00:40:25,080 --> 00:40:26,839
Speaker 2: going to need to find a new housemate. And that

913
00:40:26,880 --> 00:40:30,200
Speaker 2: could be the reality of the situation, because at the

914
00:40:30,320 --> 00:40:33,120
Speaker 2: end of the day, I just think, for me, one

915
00:40:33,120 --> 00:40:35,640
Speaker 2: thing that I always looked for when I was not

916
00:40:35,719 --> 00:40:38,479
Speaker 2: living with my parents anymore was stability. And I didn't

917
00:40:38,560 --> 00:40:41,000
Speaker 2: want people coming and going from my home or like

918
00:40:41,560 --> 00:40:44,520
Speaker 2: using my stuff or I don't know. I'm not the

919
00:40:44,560 --> 00:40:46,960
Speaker 2: type of person that was cool with that. Flip it

920
00:40:47,000 --> 00:40:50,040
Speaker 2: over to my little sister. She's so good at making friends,

921
00:40:50,080 --> 00:40:52,160
Speaker 2: like it wouldn't matter who was and where it was.

922
00:40:52,400 --> 00:40:54,960
Speaker 2: But I think you need to be really aware of

923
00:40:55,000 --> 00:40:58,080
Speaker 2: the personalities that you're moving in with because I only

924
00:40:58,160 --> 00:40:59,520
Speaker 2: knew that you'd be fine with it, Beck, and I

925
00:40:59,560 --> 00:41:02,080
Speaker 2: knew that would be hard. No, Like it was not

926
00:41:02,120 --> 00:41:04,359
Speaker 2: a surprise when your opinions came out. I was like, yeah,

927
00:41:04,760 --> 00:41:06,560
Speaker 2: this makes sense, right, But.

928
00:41:06,520 --> 00:41:08,239
Speaker 6: You feel for a certain environment too, Like what if

929
00:41:08,280 --> 00:41:09,960
Speaker 6: the three friends, like you're the kind of friends that

930
00:41:10,000 --> 00:41:11,800
Speaker 6: like you get ready together every Friday night, like you

931
00:41:11,840 --> 00:41:14,120
Speaker 6: walk around in your unknees because you're all fake tanning

932
00:41:14,200 --> 00:41:16,360
Speaker 6: Like there's a level of comfort there that I think

933
00:41:16,719 --> 00:41:19,359
Speaker 6: you develop with people that are your friends, that even

934
00:41:19,400 --> 00:41:21,839
Speaker 6: if you find a person who's a non freak, who

935
00:41:21,960 --> 00:41:24,960
Speaker 6: is perfectly lovely, bringing them into the home is still

936
00:41:24,960 --> 00:41:26,000
Speaker 6: going to be disruptive.

937
00:41:26,320 --> 00:41:28,160
Speaker 2: Of course, is creepy. I don't think.

938
00:41:28,200 --> 00:41:29,839
Speaker 5: Yeah, I don't think anyone. I mean, we do need

939
00:41:29,880 --> 00:41:32,759
Speaker 5: to finish this episode, but I don't think anyone wants

940
00:41:33,040 --> 00:41:36,319
Speaker 5: to say that it's cool or great for home to

941
00:41:36,360 --> 00:41:39,520
Speaker 5: be disrupted. I just think in the practical, everyday reality

942
00:41:39,520 --> 00:41:40,920
Speaker 5: of living in a share house, there are going to

943
00:41:40,960 --> 00:41:43,479
Speaker 5: be times when it's not as good as what it

944
00:41:43,480 --> 00:41:44,040
Speaker 5: always is.

945
00:41:44,160 --> 00:41:44,560
Speaker 6: I don't know.

946
00:41:44,840 --> 00:41:47,680
Speaker 2: Oh my gosh, I have empathy not promising another list

947
00:41:47,960 --> 00:41:52,280
Speaker 2: that I'm not going to deliver on. I have written

948
00:41:52,280 --> 00:41:54,160
Speaker 2: most lists sweety to get them online. So we should

949
00:41:54,160 --> 00:41:56,319
Speaker 2: make a list of questions to ask your housemates before

950
00:41:56,360 --> 00:41:58,360
Speaker 2: you move in with oh my god, housemate check list.

951
00:41:58,360 --> 00:41:59,399
Speaker 2: We're not giving you a date.

952
00:42:00,080 --> 00:42:02,359
Speaker 6: Follow us on Instagram and we'll announce it there when

953
00:42:02,360 --> 00:42:03,040
Speaker 6: it's random.

954
00:42:03,080 --> 00:42:04,759
Speaker 2: We will release it when we're comfortable.

955
00:42:05,000 --> 00:42:05,640
Speaker 4: Yeah.

956
00:42:05,640 --> 00:42:07,399
Speaker 6: That's a great idea though, because we're like, we've done

957
00:42:07,400 --> 00:42:09,279
Speaker 6: a lot of these Housemate episodes now and you know.

958
00:42:09,239 --> 00:42:12,920
Speaker 2: What, all this is the spiciest housemate content ever. Like

959
00:42:13,000 --> 00:42:16,120
Speaker 2: not necessarily this, but like this podcast has gone rogue on.

960
00:42:16,680 --> 00:42:18,040
Speaker 2: I feel like one of you heard that we talk

961
00:42:18,040 --> 00:42:19,960
Speaker 2: about housemates and you're like, oh, by the way, my

962
00:42:20,080 --> 00:42:24,040
Speaker 2: housemate dilemma is so yeah. Anyway, guys, that is all

963
00:42:24,080 --> 00:42:26,000
Speaker 2: we have time for today. I hope you have the

964
00:42:26,160 --> 00:42:28,560
Speaker 2: best weekend and we'll see you briting early for a

965
00:42:28,600 --> 00:42:38,880
Speaker 2: money diary on Monday. Bye bye. The advice shared on

966
00:42:39,080 --> 00:42:41,520
Speaker 2: She's on the Money is general in nature and does

967
00:42:41,560 --> 00:42:45,520
Speaker 2: not consider your individual circumstances. She's on the Money exists

968
00:42:45,640 --> 00:42:48,839
Speaker 2: purely for educational purposes and should not be relied upon

969
00:42:48,920 --> 00:42:51,960
Speaker 2: to make an investment or financial decision. If you do

970
00:42:52,120 --> 00:42:55,080
Speaker 2: choose to buy a financial product, read the PDS TMD

971
00:42:55,239 --> 00:42:59,520
Speaker 2: and obtain appropriate financial advice tailored towards your needs. Victoria

972
00:42:59,560 --> 00:43:03,040
Speaker 2: Divine and She's on the Money are authorized representatives of

973
00:43:03,160 --> 00:43:05,560
Speaker 2: Money sirper P T y L t D A B

974
00:43:05,719 --> 00:43:08,760
Speaker 2: N three two one six four nine two seven seven

975
00:43:08,880 --> 00:43:11,800
Speaker 2: zero eight a F s L four five one two

976
00:43:11,800 --> 00:43:14,480
Speaker 2: eight nine