Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money.
Speaker 2: She's on the Money.
Speaker 4: Hello, and welcome to She's on the Money, the podcast
Speaker 4: for millennials who want financial freedom. Today, my friends, it
Speaker 4: is Friday, which means it is time to get my
Speaker 4: little team, well actually not the whole team. It's just
Speaker 4: just go to each GM becksay ed together and we're
Speaker 4: going to be celebrating you once again, our incredible She's
Speaker 4: on the Money community today, miss Grid.
Speaker 5: She is going to be sharing our favorite money wins.
Speaker 4: Beck has got a sneaky broke tip for us, and
Speaker 4: she's got a few hot ones from the community.
Speaker 2: As well.
Speaker 4: We're going to be answering a juicy money dilemma, which
Speaker 4: this week is all about calculating super for retirement. And
Speaker 4: we're going to be unpacking something you slid into our
Speaker 4: DMS about, which is about subletting in a sharehouse, which
Speaker 4: I think could get a little bit spicy really quickly,
Speaker 4: My loves, how have your weeks been?
Speaker 2: Oh you are do you want to go see you?
Speaker 6: My week?
Speaker 5: My week?
Speaker 2: My week has been interesting, It's been honestly, I haven't
Speaker 2: done much this week, and for reasons. You're going to
Speaker 2: find out why soon. But I feel good. I feel
Speaker 2: good the weeks. I'm ready and I'm ready to have
Speaker 2: a good sleep.
Speaker 4: I feel that in my bones. Yeah, I love a
Speaker 4: good sleep. Recently I bought new pillows. This is a
Speaker 4: very roundabout story about how I bought the wrong ones.
Speaker 4: I did not realize how much the wrong pillow could
Speaker 4: ruin my night. Oh no, I'm a tummy sleeper. So
Speaker 4: like the pillow was just too lofty, just too tall.
Speaker 4: So this is a way I couldn't get comfortable no
Speaker 4: matter how many times I punched the pillow, made it
Speaker 4: flat or like flippied it. No, nothing was working and
Speaker 4: also I feel like it was eternally warm, like there
Speaker 4: was no cold side of the pillow. So now I
Speaker 4: have a flat pillow again and everything has been restored.
Speaker 5: Thank you for caring. It was legit though, what a
Speaker 5: money loss.
Speaker 4: I bought this expensive lofty pillow, marched my sorry but
Speaker 4: back down to km up and was like, where's the
Speaker 4: trashiest pillow? Because that's going to make me the happiest
Speaker 4: in anyway. That's how good my week has been, lovely.
Speaker 4: Thank you for hearing me.
Speaker 5: Of course, just where are we at? What's your week?
Speaker 4: Cloth?
Speaker 6: I had a really good day on Sunday because it
Speaker 6: was my birthday and my weeks.
Speaker 2: I really well.
Speaker 6: All of my friends surprised me. I never organized things
Speaker 6: because I'm scared people won't come. Because I for a
Speaker 6: party when I was little, ones and two people turned up,
Speaker 6: and so like, you know what, it could have been
Speaker 6: my fault. Maybe I forgot the invitations.
Speaker 2: I don't know, but oh my god, no, that is
Speaker 2: such a thing.
Speaker 5: Probably was me, It was me?
Speaker 2: Yeah, it possibly.
Speaker 6: Absolutely not no, but anyway, so they all surprised me.
Speaker 6: It was the most wholesome thing ever. They've also got
Speaker 6: me a cake an ice cream cake, which is my
Speaker 6: preferred kind of cake.
Speaker 5: Did you know?
Speaker 6: Well no, normally I get the pink white, the traditional traditional,
Speaker 6: but they got me a Cold Rock ice cream cake
Speaker 6: made in my exact cold Rock order.
Speaker 5: Because how did they know that?
Speaker 2: Well, because it's.
Speaker 6: One of my favorite places and one of my friends
Speaker 6: and I go all the time because we live really
Speaker 6: close together and not too far from a Cold Rock,
Speaker 6: so they knew it by heart had a cake made
Speaker 6: in my exact Cold Rock It was the best thing ever.
Speaker 5: That is really how cool is that?
Speaker 6: So if you have a friend that likes ice cream,
Speaker 6: that is like, it was the best thing I've ever
Speaker 6: seen in my life.
Speaker 2: What's your Cold Rock orders?
Speaker 5: Just whipping out of pair?
Speaker 4: It's not original. If you copy her friends when she's
Speaker 4: already had it would.
Speaker 2: Always be a great present.
Speaker 6: If anyone does want a good recommendation, you get cake batter,
Speaker 6: ice cream and Ferrera ice cream mixed together with cookie
Speaker 6: dough and double mini.
Speaker 5: Marshmallows double minie marshmallow and they mix.
Speaker 2: It all together and it's a delicious sweet treat.
Speaker 6: So they go for anyone like that written it down,
Speaker 6: bring you one next week and you can.
Speaker 5: That's works so cute. Not how this works, How this works?
Speaker 2: Just correct?
Speaker 5: I'm sorry.
Speaker 2: Should we move along?
Speaker 5: We should along?
Speaker 6: Thank you so much for I had a great day.
Speaker 6: I feel very like it's so nice.
Speaker 2: You are loved.
Speaker 4: You are definitely loved. All right, let's jump into it, Jessica. Yes,
Speaker 4: it's back on your side of the table. I want
Speaker 4: to know what's been going on in our community. What
Speaker 4: are your favorite money wins that have been shared this week?
Speaker 6: I have a money win from Cayenne, who said I
Speaker 6: received a job offer completely out of the blue. That
Speaker 6: is a huge step in my career for me, and
Speaker 6: it came with a nice little pay rights beautiful And
Speaker 6: I just love the idea of someone just plodding around
Speaker 6: about their day and then some one being like, you, ma'am,
Speaker 6: deserve a job.
Speaker 2: I love the times lovely.
Speaker 6: Next, I have a money win from Sharan, who said,
Speaker 6: I realized that my local coals had incorrectly priced a
Speaker 6: product as per the label, and it was actually more
Speaker 6: expensive than it was meant to be. I brought this
Speaker 6: to the cashier's attention, and after she cited it, we
Speaker 6: were given the product for free. Oh, which is apparently
Speaker 6: what I expected. That's apparently their policy if it's wrong,
Speaker 6: they get it for free.
Speaker 2: How come is that?
Speaker 6: Wow?
Speaker 1: Wow?
Speaker 2: Wow?
Speaker 6: That one away for later, because okay, I've definitely seen
Speaker 6: things price strong and I've just got.
Speaker 4: Me just going to coals and checking for the wrong
Speaker 4: prices so I can get stuff for free.
Speaker 2: How yes, that's wrong, about to be one thing in
Speaker 2: the whole store.
Speaker 5: Next.
Speaker 6: I have a money lost from Melinda, but it is
Speaker 6: in good fun. She said, I broke up with my
Speaker 6: partner and he wants one hundred k Togo money win.
Speaker 6: I'll no longer have an extra child in a house.
Speaker 6: And then she put a little asterisk and she said
Speaker 6: not an actual child, just him, yes, baby, and hundreds
Speaker 6: of people liked the comment. So Melinda, I'm sorry that
Speaker 6: he's being what sounds.
Speaker 2: Like a bit of her. Yes.
Speaker 6: I was going to say another word, and I was like,
Speaker 6: no parent now yeah, well not anymore. She was single parenting.
Speaker 6: Now she's free.
Speaker 5: Oh genius, So love this for her.
Speaker 2: Get a girl.
Speaker 6: I have a money win from Alyssa, who said I
Speaker 6: got five dollar Peter Alexander Pj's from the outlet center.
Speaker 2: We all got multiple five dollars. I can never.
Speaker 6: Purchase these normally as I can't justify that much on pjs,
Speaker 6: but for five bucks, I couldn't resist. We love Peter,
Speaker 6: Alexander PJ in this team, so yeah we do. We
Speaker 6: literally said the other day we were near the outlet
Speaker 6: and we went.
Speaker 4: Should go, and then we didnt. Jess and I don't
Speaker 4: just have one. We have multiple pairs of matching the jamans.
Speaker 2: That's very very cute. Yeah, we'd love.
Speaker 5: At them for you next time. Don't worry.
Speaker 2: Thank you?
Speaker 5: Do you want to join in?
Speaker 2: I sleep in the nude, but I'm going to try it.
Speaker 5: You don't have to sleep in pajamas.
Speaker 2: They're like you just wear. They're like wear, but for
Speaker 2: your for lounging. I see all lounging where louchwear.
Speaker 5: Watching f Boy Island. Yeah, you're wearing your pajamas.
Speaker 2: I do need something for fo Island exactly. The train
Speaker 2: I'm going to do exactly.
Speaker 6: They did a Macas collabor recentlyjamas.
Speaker 5: That's when I can't get around.
Speaker 4: Also, Barbie O, the Barbie one can get around the
Speaker 4: mac is one.
Speaker 5: I'm like, I want Donalds. No, nothing was that cute.
Speaker 2: There was nothing with the nuggets on it either, which
Speaker 2: I was training.
Speaker 5: That's literally the only good thing about McDonald's.
Speaker 2: Yeah, wasted opportunities literally.
Speaker 6: And lastly, I have a money in from Rihannon who
Speaker 6: said I got a free bike off marketplace to ride
Speaker 6: with my son and partner. It needs new tires and
Speaker 6: it has a bit of rust, but I'm confident I
Speaker 6: can fix it up for way less than a new bike.
Speaker 6: And you can hopefully see this through my crushed screen,
Speaker 6: but look, it's one of those cute little I love
Speaker 6: that that does not look like it was free.
Speaker 2: That's very good and that's everything that I've got this
Speaker 2: many win love it.
Speaker 5: She's good at a money win.
Speaker 4: Yes, yeah, I love it and picking them out of
Speaker 4: the group ten out of ten.
Speaker 5: Sad. Yes, you have some broke tips for us this week.
Speaker 2: I do, I do, okay. So the first one is
Speaker 2: from Cassie, who kind of alerted me to what you
Speaker 2: might call a rewards program of sorts, and one in
Speaker 2: particular is Grilled. Basically, if you sign up with your
Speaker 2: favorite Ossie Rules team, you will receive a two for
Speaker 2: one coupon on a Monday. I believe very niche. This
Speaker 2: is all very niche, but niche chips are broke. You
Speaker 2: gotta be to be creating?
Speaker 5: Was that?
Speaker 4: Ye don't think so hard about my commentary today, but
Speaker 4: it kind of got.
Speaker 2: Me thinking about all the other things that are out there.
Speaker 2: And I don't have any examples.
Speaker 5: Actually, I just got thinking about all the other which
Speaker 5: I have.
Speaker 2: I have z zero No, okay, I do remember Domino's.
Speaker 2: You know you get those things in the mail board.
Speaker 5: Brooke got one the other day.
Speaker 4: Yeah, she got a whole pizza delivered for free, for free,
Speaker 4: no free, Now my money was exchanged.
Speaker 2: She thought it was a scam, but she did it anyway,
Speaker 2: and turns out luckily for her. Wasn't that is incredible.
Speaker 2: I would risk my life for one pizza.
Speaker 4: It was in Perth, oh so I'm not sure if
Speaker 4: that was in Melbourne, but it was like a letterbox drop.
Speaker 4: And she was amazing, says I've got a free pizza delivered.
Speaker 4: And so she got it to launched the other day
Speaker 4: and Jess and I were envious.
Speaker 2: That is amazing.
Speaker 5: This is the thing, is it?
Speaker 2: Back of receipts your mailbox. Junk mail sometimes comes in hand.
Speaker 1: I have one.
Speaker 6: Yeah, if you go through the KFC drive through on
Speaker 6: your receipt. But there's usually like a QR code on
Speaker 6: the window too, where you scan and you give them
Speaker 6: feedback on your meal and then you get a free
Speaker 6: meal for your next meal. It's like a free chips
Speaker 6: and a drink or free something. I haven't want any take.
Speaker 5: A photo of that QR code and put it on story.
Speaker 2: Absolutely, I can't please.
Speaker 5: Everybody's coinky dink.
Speaker 4: We are just giving feedback on our meals then, and
Speaker 4: you're saying I'll get my next one free.
Speaker 6: We all had a great experience in Melbourne CVDKFC on
Speaker 6: the same.
Speaker 5: Their feedback is going to go through the roof.
Speaker 2: If you're doing that, only leave them nice feedback.
Speaker 4: I got my car service to actually this morning. I
Speaker 4: picked it up and it was Spino, do you have
Speaker 4: it picked up? And I was nearly sick and the
Speaker 4: guy was honestly so nice. He was texting me all
Speaker 4: weekend because it took a little bit longer than it
Speaker 4: should have and he was like, oh, like you're going
Speaker 4: to get a text in a couple of days about
Speaker 4: your experience and I said, yeah, no worries. You're a
Speaker 4: solid ten and he said, yep, it's actually out of five.
Speaker 4: Anything below five is a fail.
Speaker 5: And I was like, oh good to know.
Speaker 2: Oh my gosh, is that some people don't anyway? So
Speaker 2: I continue, that's how rude is it?
Speaker 6: Though?
Speaker 2: I was just going to say, interesting fact.
Speaker 6: Apparently when people have to grade on a scale, like
Speaker 6: any kind of experience, even if people are super satisfied
Speaker 6: with their experience, they're more likely to go for if
Speaker 6: it's out of five, four instead of a five, Like
Speaker 6: it's just human.
Speaker 5: Nature to nominate.
Speaker 4: Oh well, it wasn't the best experience my entire life, Yeah,
Speaker 4: because you would compare it to going to cold Rock,
Speaker 4: wouldn't you. You'd be the best experience in my life's
Speaker 4: going to cold Rock and getting a custom cake.
Speaker 2: They're probably comparing everything to like the best day of
Speaker 2: their entire lives. Maybe having a baby wasn't as good
Speaker 2: as that. So what I'm going to say four fours
Speaker 2: on five, but give everyone a five.
Speaker 5: If five is over five, they deserve it.
Speaker 6: You can tell you guys have been hard at work
Speaker 6: today because we're getting impressions voices.
Speaker 4: So today today Beck and I have done so we
Speaker 4: always save the Friday drinks is like a little treat
Speaker 4: at the end.
Speaker 1: Love.
Speaker 4: This little treaty treat just comes in at the very
Speaker 4: end to record. So she's like, chips, You've had a
Speaker 4: really nice day work, Jess, can I eight hours straight recording.
Speaker 2: Being very silly.
Speaker 5: We are so silly, so silly. I've had so many coffees.
Speaker 4: I've had this really bad hot chocolate that I made
Speaker 4: in the staff kitchen. One out of ten would not
Speaker 4: recommend Mike crew waving soy milk.
Speaker 2: That's a one star. Always bad microwaving soy milk. You
Speaker 2: can't do it either.
Speaker 4: It's a trap. No three coke zeros, like my body
Speaker 4: is a temple.
Speaker 2: To worship coke zero.
Speaker 1: Exactly?
Speaker 5: How did you know? Anyway?
Speaker 2: Tell us your best broad tip for the week back? Okay,
Speaker 2: one more actually I have from Jess, not just Richie,
Speaker 2: who says to squeeze the toilet paper to avoid over
Speaker 2: rolling to it kind of results in you know, longer use,
Speaker 2: which is actually a really good idea because you know,
Speaker 2: you just like you pull the thing, the thing just
Speaker 2: rolls and rolls. You use so much toilet paper you
Speaker 2: probably go through it and you have to buy a
Speaker 2: whole new twenty four pack in like a few I
Speaker 2: don't know, for me, maybe last a week or two.
Speaker 5: And I'm a single, strange or fold.
Speaker 4: I'm a scratcher, but like, how many like squares are
Speaker 4: you using? Well, this is the screen and exactly as
Speaker 4: Jess says, and this is something I didn't even notice
Speaker 4: I do. I yank it and wait till it stops
Speaker 4: orically on its own and Newton's law or whatever right stops.
Speaker 6: And if you're a parent, like a lot of the time,
Speaker 6: like you're doing it one handed. Like I know people
Speaker 6: like if you've gone to a restroom and you've got
Speaker 6: a child, you're like holding the trial trying to make
Speaker 6: sure they're not touching something in that toilet they're not
Speaker 6: supposed to whatever. You're doing it at one handed, so you
Speaker 6: would like you just do a lat week.
Speaker 2: But if he scrun shit or like like you kind
Speaker 2: of like press it down, so the role you squish
Speaker 2: the roll so it doesn't like roll is easy. Yeah,
Speaker 2: and then you get just what you need and then
Speaker 2: you're more like mind crab it, you know what I mean,
Speaker 2: which is smart, really good idea. In the long run,
Speaker 2: you're actually going to save quite a bit of money.
Speaker 2: It's great, thank you, Jess. Not very aesthetic, it's not
Speaker 2: very aesthetic, but you know, you get what you get
Speaker 2: and you don't get up exactly right now, my broke
Speaker 2: tip for this week. What I was going to do
Speaker 2: was and this is probably a little bit different, but
Speaker 2: I'm going to open up my ig app right now
Speaker 2: and tell you exactly how much money I have in
Speaker 2: here for the rest of the week.
Speaker 5: Stunning.
Speaker 2: So payday is in one week's time. I'm aware I
Speaker 2: have fifteen dollars twelve plus twenty one. I have fifteen
Speaker 2: dollars and thirty three cents.
Speaker 4: Oh did you think that when she was doing fifteen
Speaker 4: plus thirty three or whatever she said, I thought it
Speaker 4: was going to be dollars.
Speaker 5: It was cents.
Speaker 6: It says twenty one plus twelve cents on that edge.
Speaker 6: But I gat a quick mass, great quy, thank.
Speaker 2: You so much. So this is what I wanted to
Speaker 2: tell you guys, is that I do have a few
Speaker 2: things coming up that I still want to be doing.
Speaker 2: I don't want to cancel on everyone because I kin't
Speaker 2: of afford to go out because that would make me
Speaker 2: really sad, and I don't want to be sad all week.
Speaker 2: So let me tell you what I have coming up
Speaker 2: and how I'm about to make this fifteen dollars and
Speaker 2: thirty three cents last.
Speaker 5: I'm I'm really excited to hear this week.
Speaker 2: Okay.
Speaker 4: Just to preface though, before we get into this, I
Speaker 4: feel like it needs to be disclaimed that you have
Speaker 4: a good salary.
Speaker 2: Now I do, but as I have mentioned in previous episodes,
Speaker 2: I am currently back paying things. Yeah, okay, example like.
Speaker 5: Get that the next step?
Speaker 4: All right, that's fair, because I was like, where is
Speaker 4: this coming from. I'm also bad with money, that is,
Speaker 4: I wasn't pointing out that you bad with money.
Speaker 5: We need to disclaimer It's not.
Speaker 4: Like this is the norm for you, like as it
Speaker 4: has been, but in the future it's going to be.
Speaker 4: You can to track the journey.
Speaker 5: I'm so excited, as.
Speaker 6: Say, beans going through the journey and that's it's okay
Speaker 6: to have fifteen dollars.
Speaker 5: There's nothing wrong with it.
Speaker 2: And also I should say I'm extremely comfortable with this
Speaker 2: kind of thing. This is a very very normal week
Speaker 2: for me. So at the end of.
Speaker 5: How are we budgeting though, like, how are we making
Speaker 5: this stretch?
Speaker 2: Okay, so let me tell you what I'm about to do.
Speaker 2: I'm ready so tonight, Yes, I am meeting my brother
Speaker 2: for a drink at the pub. Oh how I'm not
Speaker 2: going to drink. I'm going to get soda water. And
Speaker 2: you know what I'm going to do. I'm going to
Speaker 2: find the pub that I know already does free soda water.
Speaker 2: So I'm giving a shout out to Eaties on leg
Speaker 2: On Stream in Brunswick East. I'm giving a shout out
Speaker 2: to a few more. Retreat is also a good one
Speaker 2: in Brunswick. Just kind of trial and error. I know
Speaker 2: which ones don't charge me for soda water. I'm going there.
Speaker 2: I'm going to get soda water. But before I go,
Speaker 2: I'm going into the office. I'm going into the kitchen.
Speaker 5: Yes, and I'm gonna find little snacks.
Speaker 2: We sometimes have bread and cheeses in there that I
Speaker 2: could probably buy on my own. It wouldn't cost too much.
Speaker 2: I'm gonna make two or three cheese toasties, stunning, and
Speaker 2: take these two or three toasties. That's gonna last me.
Speaker 2: One for lunch. I like to have two for lunch,
Speaker 2: but I'm gonna like spread them out. One for lunch yep,
Speaker 2: one straight after work yep, so one for dinner yep.
Speaker 5: Stunning.
Speaker 2: That's my whole day. And I tell you what that
Speaker 2: is free there's zero dollars. That's money weir and delicious
Speaker 2: and delicious. And then next I have little things pop
Speaker 2: up here and there. But that's okay. I'm okay with
Speaker 2: that because I know that I'd never have to spend
Speaker 2: money if I'm going to be drinking soda water. This
Speaker 2: is an issue probably for someone who does drink. That's
Speaker 2: when you go back to the five dollar wine situation. Now,
Speaker 2: the next thing I have, the big thing I have
Speaker 2: coming up is trivia. Me and my best friend host
Speaker 2: trivia in Rye on the Peninsula. I don't around. I've
Speaker 2: got to spend petrol money to get there. Oh how
Speaker 2: am I going to do this?
Speaker 5: We are asking, please?
Speaker 2: What I'm going to do? Yes, is I'm going to
Speaker 2: find a Wooly petrol station because I don't know if
Speaker 2: you remember, but I have Woolas rewards points. I have
Speaker 2: ten dollars on that that I'm going to be using
Speaker 2: on petrol. Only you've thought about this, yes, and that
Speaker 2: will get me too, right, Nobody can say she's not
Speaker 2: the most strategic woman you've ever This whole week is
Speaker 2: going to be free. I love it, so that will
Speaker 2: take me all the way to rise. I'm going to
Speaker 2: stay there. I'm going to stay to friend's house down
Speaker 2: there until payday. That might be two three days. I
Speaker 2: don't mind. I'm willing to stay down there until then.
Speaker 5: Okay. As for food, oh no, whoe is her?
Speaker 4: She has to go down to the beach and stay.
Speaker 2: I'm just going to stay on the foreshore like a pauper.
Speaker 2: Just kidding, very very beautiful, obviously, this is the joke.
Speaker 2: For food, what am I going to do? That is
Speaker 2: an bread baby? Fill myself up on bread and milk.
Speaker 2: Milk is very very very filling. Servo coffees. Yeah, bread,
Speaker 2: everything else. She's toasty butter and jam. And this is
Speaker 2: one that I've said before, and I know that you'll
Speaker 2: probably stick with me saying bread.
Speaker 5: I'm not everybody's obsessed with bread.
Speaker 2: Bread, bread, bread and anywhere you can free stuff, free
Speaker 2: stuff anywhere you can, whether that's in your office, whether
Speaker 2: that you have a friend that you can get food
Speaker 2: from take away. You know when you go to a
Speaker 2: freeze house and they're like, this is something that I
Speaker 2: was actually going to say next week, But here freebies
Speaker 2: from your friend's houses. They cook stuff and you can't
Speaker 2: be bothered taking food home and they're like, take something.
Speaker 2: We got so much leftover. Take it, yeah, take it,
Speaker 2: say yeah, take it.
Speaker 4: It's like when Jess leaves my house, I'm like, take this,
Speaker 4: take that, take this, and she's.
Speaker 5: Like stop it, and I'm like, I don't know, take
Speaker 5: bax advice, take it.
Speaker 2: Take it. It's like shopping for free. It's great, ex
Speaker 2: take it. So that's me and I'm assuming this fifteen
Speaker 2: dollars and thirty three cents will last me a whole
Speaker 2: week if I stick to my plan. I have to
Speaker 2: because I have no other money. So that's that. And
Speaker 2: I hope you've learned something.
Speaker 5: You love, love love. You're a wizard at money.
Speaker 2: Thank you so much. I'm just very used to being
Speaker 2: living off fifteen dollars. For some reason, it's always fifteen.
Speaker 2: I don't really know why always just turns into fifteen.
Speaker 2: Maybe just spending the same amount of money every month,
Speaker 2: there's a.
Speaker 6: Pattern there, Like that's that actual thing, Like you're probably
Speaker 6: spending on the same things, the same amount of money
Speaker 6: on the same things.
Speaker 2: Maybe there's like a light bank account, a.
Speaker 5: Cliff number like where I don't know.
Speaker 4: Maybe it's like fifty bucks and when you only see
Speaker 4: fifty bucks in your account, you like really hold back.
Speaker 5: Spending and then think it's like yeah, yeah, Like.
Speaker 4: You get to fifteen and you're like, oh, stuff's starting
Speaker 4: to get really real, and then you start slowly slowly,
Speaker 4: and by the time you've like cut back and cut back,
Speaker 4: it's just at fifteen and then that's what you've got left.
Speaker 4: Maybe that's where it is, because I feel like lots
Speaker 4: of people, especially people who live month to month, have
Speaker 4: that like Cliff number where they aren't worried. I aren't worried,
Speaker 4: and then you see that number and you're like, oh,
Speaker 4: I better be responsible. Yeah I think so there's the
Speaker 4: responsibility Cliff number.
Speaker 5: It's science.
Speaker 2: Yeah, yeah, that's very interesting.
Speaker 6: Now that's a great week of tips for me. It
Speaker 6: was really interesting. That was so helpful.
Speaker 2: Thank you so much. How good Thank you for no
Speaker 2: one more good one that I feel like we can
Speaker 2: actually help you out with.
Speaker 6: If you have a friend who uses a subscription service.
Speaker 6: We both obviously love Marley Spoon. They generally do if
Speaker 6: you've been a customer of theirs for a while, and
Speaker 6: if you're paying for boxes, which we do, you get
Speaker 6: like a free box. You can earn credits or it's
Speaker 6: different depending on what platform use. I know, for Maley,
Speaker 6: the longer you're there, the more credits you build up there.
Speaker 4: You can't just like send it to new people and
Speaker 4: everyone gets a free box. Like there's a limit on
Speaker 4: how many people I could refer So I'm going to
Speaker 4: send you a free box.
Speaker 5: Obviously, thank you. But if you've got friends that have
Speaker 5: that referral link like for a free box.
Speaker 6: Yeah, and you don't have to spend any money, they
Speaker 6: can just go, hey, you want to try it out?
Speaker 2: See what's so good?
Speaker 6: Here's a box if you order normally, there's like three
Speaker 6: or four meals that you get in one of those boxes.
Speaker 6: If you're a single person that can save them double it.
Speaker 6: That's like four or five days with.
Speaker 2: Me and God, that's good. Okay, genius.
Speaker 5: That is Jane, so smart, so smart.
Speaker 2: Thank you so much.
Speaker 5: You're a genius, Jessica. Let's go to a really quick
Speaker 5: break on the flip side.
Speaker 4: I want to talk about calculating superannuation for retirement, which
Speaker 4: I know you guys cannot wait.
Speaker 5: And we're also unpecking a message that you slip into our.
Speaker 4: DMS about which this week is all about subletting a
Speaker 4: share house. So don't go anywhere, my Marley Spoon friends.
Speaker 6: Welcome back, everybody. Let's take a listen to the Money
Speaker 6: to Lemma this week.
Speaker 4: Hi, there, have you got a money dilemma you just
Speaker 4: can't solve? The Shees on the Money team is here
Speaker 4: to help. Every week we tackle your dilemmas, both big
Speaker 4: and small, to answer your most burning money, career and
Speaker 4: life questions. To get involved, simply head to our website
Speaker 4: and leave us a short voice recording and you might
Speaker 4: just find yourself on the show. Now, let's take a
Speaker 4: listen said this wakes money dilemma.
Speaker 7: My name is Ravi and I'm about to retire next
Speaker 7: month with the super balance of one point six. When
Speaker 7: I checked super calculators online, it shows that money will
Speaker 7: finish by the age of ninety one, which is fine.
Speaker 7: But my question to that calculator is, if we assume
Speaker 7: five percent's return and five percent we draw on, the
Speaker 7: super balance at the age of ninety one should be there,
Speaker 7: but the calculator shows is gone completely. Am I missing something?
Speaker 7: Thank you?
Speaker 2: Yeah, take it away.
Speaker 6: Yeah.
Speaker 2: I could say a few things about this one, but
Speaker 2: you know what, I don't want to embarrass you guys.
Speaker 2: So what I might do is instead of, you know,
Speaker 2: obviously giving an expert opinion, I might throw to one
Speaker 2: of you.
Speaker 6: Yes, I would say.
Speaker 2: I love you, I lie love you, RAVI.
Speaker 4: I'm so glad that you wanted to ask us. Yeah, congrats,
Speaker 4: I'm retiring. By the way, that happening next month. There
Speaker 4: are some gaps that I have had to fill in
Speaker 4: your situation.
Speaker 2: Which is exactly why you don't know what to say.
Speaker 4: I was about to say, fun, could you guys like,
Speaker 4: let me take the reins on this or is that
Speaker 4: all good?
Speaker 2: Straight?
Speaker 5: I know it's all day.
Speaker 4: Yes, I was thinking I might give it a crack
Speaker 4: at answering this question.
Speaker 5: We'll let it slide.
Speaker 2: Say that's fine.
Speaker 4: You're retiring next month, which I think is really exciting.
Speaker 4: And so I did some calculations because you told me
Speaker 4: that you had a one point six million dollar portfolio
Speaker 4: and that it would last you until the age of
Speaker 4: ninety one, but you didn't tell us how old you were.
Speaker 4: But based on a draw down rate of five percent,
Speaker 4: and what I think you've done with this retirement calculator,
Speaker 4: which I'll explain to you why maybe we haven't used
Speaker 4: it effectively because at the end of the day, one
Speaker 4: point six million dollars should technically still exist at the
Speaker 4: end of that period of time, because his question is
Speaker 4: really valid. He's like, I've used this retirement calculator and
Speaker 4: it's saying that if I draw down five percent every
Speaker 4: single year, I'll have nothing by the time I'm ninety one,
Speaker 4: Which if that's the case, what I think you've done
Speaker 4: is gone to a calculator that tells you you know
Speaker 4: what your retirement income is going to look like based
Speaker 4: on a five percent estimated earnings rate, which is from
Speaker 4: my perspective, a really conservative rate, Like that's what makes
Speaker 4: me feel.
Speaker 5: The most comfortable.
Speaker 4: When I was working as a financial advisor, That's what
Speaker 4: i'd work on with my clients because on average it's higher,
Speaker 4: but I'd prefer you to be pleasantly surprised than in
Speaker 4: a financial pickup. So that means of one point six
Speaker 4: million dollars, you'd be technically making a profit each year,
Speaker 4: or your share portfolio would be making about eighty thousand
Speaker 4: dollars a year. What I'm assuming has happened is you've
Speaker 4: gone to this calculator and you've put down a draw
Speaker 4: down amount of eighty thousand dollars and you've also assumed
Speaker 4: that you'll be making that eighty thousand dollars from your
Speaker 4: share portfolio each year, so that's one hundred and sixty
Speaker 4: thousand dollars you'd be drawing down. And if that's the case,
Speaker 4: you're seventy year years old and you're about to retire,
Speaker 4: which is really exciting. However, the issue here is the
Speaker 4: difference between what your fund will make and what your
Speaker 4: drawdown amount is, so each and every single year, and
Speaker 4: this is where it gets a little bit fickle. And
Speaker 4: to be honest, you have one point six million dollars.
Speaker 4: Please go see a financial advisor. Please, you have so
Speaker 4: much money. I know you've probably done all of this
Speaker 4: on your own, and that is so damn impressive, so cool,
Speaker 4: But now is the time to actually get all your
Speaker 4: ducks in a row, because it could be really financially
Speaker 4: easy for you. But you have the ability right now,
Speaker 4: and I'm so passionate about legacy, but you have the
Speaker 4: ability to set this up for years to come like
Speaker 4: this one point six million dollars doesn't need to necessarily
Speaker 4: go anywhere. However, in retirement, technically you do have to
Speaker 4: do what's called a drawdown, and most people do five
Speaker 4: percent of draw down, which means you'd be taking eighty
Speaker 4: thousand dollars out as a drawdown of your funds, so
Speaker 4: taking money outside the super environment, and you would also
Speaker 4: be taking the profits your income because you're now retired.
Speaker 4: I'm going to assume these are massive assumptions because we
Speaker 4: don't have your full financial circumstances. If you've managed to
Speaker 4: get one point six million dollars into superannuation, you're probably
Speaker 4: pretty financially stable outside of super.
Speaker 5: Is that a good assumption? I feel like that's pretty good.
Speaker 2: Guess.
Speaker 4: I doubt that in retirement you need one hundred and
Speaker 4: sixty thousand dollars tax free. So you're going to talk
Speaker 4: to your financial advisor about putting that to work.
Speaker 5: Are you investing it?
Speaker 1: Yes?
Speaker 4: Obviously tax is going to come into that at that point.
Speaker 4: If you're going to make money from your money, you
Speaker 4: do have to pay once it comes out.
Speaker 5: Of the super environment.
Speaker 4: But what I would be doing is going and having
Speaker 4: a chat to a financial advisor to make sure that
Speaker 4: your drawdown amount and the amount of money that you're
Speaker 4: making makes sense, because if you've just done your calculations,
Speaker 4: you are correct. After twenty years that amount of money
Speaker 4: completely disappears because this you know, if you divide one
Speaker 4: point six million dollars by twenty you actually get eighty grand.
Speaker 4: So all of that makes sense. But what you need
Speaker 4: to do is talk to a financial advisor about making
Speaker 4: a plan for what your money does once you have
Speaker 4: it in your hands. And this is, ultimately, guys, the
Speaker 4: dream position that I would want everyone to be in
Speaker 4: when they retire. Right, Hey, Beck, you've got more money
Speaker 4: coming in than your lifestyle needs. Right So I obviously
Speaker 4: don't know that as gospel for our friend Ravi, But Ravi,
Speaker 4: if you want, shoot us a message and I will
Speaker 4: set you up with one of the financial advisors that
Speaker 4: I know and I trust to make sure that you're
Speaker 4: in the best possible position, because at the end of
Speaker 4: the day, that money isn't just going nowhere, like it
Speaker 4: can be put to work, and that one point six
Speaker 4: million dollars, if you're drawing it down, the probability of
Speaker 4: you actually getting through one hundred and sixty thousand dollars
Speaker 4: a year might not need that much. So like, maybe
Speaker 4: you're getting through eighty thousand dollars of it, and we
Speaker 4: take that other eighty thousand and invest it into something
Speaker 4: else so that hopefully you can live beyond ninety one
Speaker 4: years financially comfortably.
Speaker 2: Yes.
Speaker 4: I actually what happened on the way into the studio
Speaker 4: is Ess dropped her notes and I picked them up, and.
Speaker 5: I was like, I'm going to take credit for this.
Speaker 2: I see.
Speaker 4: Yeah, it happens all the time. Actually, yes, yeah, yeah,
Speaker 4: Please don't tell anyone.
Speaker 2: I can't trust myself not to. Yeah, but I'm not
Speaker 2: going to today.
Speaker 4: Okay, you can steal Jess's notes next week if I find.
Speaker 2: That my lips are sealed.
Speaker 6: I feel like though, we're going to have some good
Speaker 6: things to contribute from our notes for this week's community dilemma.
Speaker 4: Yes, yes, yes, all right, Jesse, are you ready ready?
Speaker 4: I think you're excited about this.
Speaker 6: I am.
Speaker 5: Okay.
Speaker 4: So this week we got a message and it reads
Speaker 4: like this, Hello for exclamation points. I have a roommate dilemma.
Speaker 4: Good to see a few people struggle with this, not
Speaker 4: just me. So my housemate is off on placement and
Speaker 4: she'll be gone for the next two months. We've told
Speaker 4: her we aren't comfortable with her filling the room with
Speaker 4: a random person, as we've had bad roommate experiences in
Speaker 4: the past. We told her she doesn't need to pay
Speaker 4: for any bills, but she's getting really annoyed at us
Speaker 4: because she says she can't afford the rent as it's
Speaker 4: a volunteer placement and she really wants us to fill
Speaker 4: the room. I don't want to be rude about it,
Speaker 4: and I'm trying really hard to be empathetic. But if
Speaker 4: this was something we knew what happened prior to her
Speaker 4: moving in, we honestly would have said, no, are we
Speaker 4: being unreasonable not letting someone move in as it means
Speaker 4: her finances.
Speaker 5: Will be tight.
Speaker 4: I feel like we are being good by not making
Speaker 4: her pay bills while she's gone.
Speaker 5: I'm super conflicted.
Speaker 6: I feel like Analisa and I have different opinions on
Speaker 6: this because I can see her nodding along do something.
Speaker 2: Looks so grumpy, she looks cranky. I'm scared to say
Speaker 2: what I think. Now you can go first.
Speaker 5: I'm scared to say what I think.
Speaker 2: I am not scared because the look on our producer's
Speaker 2: face is the same.
Speaker 5: Is she going us?
Speaker 2: Yeah, We're both gonna get used.
Speaker 1: On.
Speaker 4: I'm gonna sit on my hands and my toes and
Speaker 4: zip my mouth. Shruck so you're gonna any travel, all right?
Speaker 2: You know that I like to be nice to everyone
Speaker 2: because I can definitely you know, everyone's living their own reality.
Speaker 2: No one deserves being roasted, So I'm not about to
Speaker 2: roast anyone here, I know.
Speaker 4: But yes she is, but sit down because it's about
Speaker 4: to get real hot but not roasty.
Speaker 2: No. So the person who wrote in, yes, I can
Speaker 2: understand the discomfort there, I can hopefully understand that. Unfortunately,
Speaker 2: though subletting a room is I don't know, in a
Speaker 2: sharehouse normal thing to do. I can totally understand not
Speaker 2: wanting a stranger in there. But don't be suck what
Speaker 2: don't be mean? Just let someone else live in there
Speaker 2: while she's gone. Absolutely, because wait wait wait wait wait wait,
Speaker 2: but this is the other thing.
Speaker 5: Oh, I'm so opinionated about this.
Speaker 2: Nobody's the other thing. They said that they wouldn't let
Speaker 2: this housemate. They wouldn't have let them move in if
Speaker 2: they knew that they were going to have to sublet
Speaker 2: in the future. So they were open to having another
Speaker 2: person in the room at some point if they knew
Speaker 2: that this person was going to like kind of float
Speaker 2: in and out or whatever they needed to do. I
Speaker 2: just think that subletting is fine. Like if you all
Speaker 2: interview a new person and you say, Okay, this person
Speaker 2: is going to move in for six weeks, we all
Speaker 2: like this person, it'd be the exact same process as
Speaker 2: getting a whole new housemate. If this other person decided
Speaker 2: that they can't actually afford it and they need to
Speaker 2: move out, you're doing the exact same thing, interviewing, posting pictures,
Speaker 2: doing all this stuff.
Speaker 4: Whether this person moves out, yep, So that person sublets
Speaker 4: that we've just picked Jess, they can stay forever.
Speaker 2: Where is a line down the middle of this.
Speaker 4: Table, you're gonna you can get on the mica.
Speaker 5: I want to hear what Jess has got to say.
Speaker 5: I think because I feel like I'm on Jess's team,
Speaker 5: I feel like it's.
Speaker 6: Worth noting in a housemate situation. I think there are
Speaker 6: two different kinds of housemate situations you can live in.
Speaker 6: I personally have lived in multiple sharehouses, never with somebody
Speaker 6: I didn't know, and that is a choice that I made. Beck.
Speaker 6: I think your experience has been you've lived with a
Speaker 6: whole roving group of people, people coming in, people coming out.
Speaker 6: That's a bit more than norm for your situation. So
Speaker 6: I think that's probably an important distinction to make upfront.
Speaker 6: And to me, it sounds like they're three friends. They
Speaker 6: moved in, they knew each other, They're going for kind
Speaker 6: of like we feel like we're going to live well together.
Speaker 2: That's the choice that.
Speaker 6: They have made. My vibe on this is, you knew
Speaker 6: you were going to go on placement, do you know
Speaker 6: what I mean? Like, if you're undertaking a degree, you
Speaker 6: know that placement's coming up. And I completely agree. It
Speaker 6: is ridiculous that people should be doing unpaid placement. My
Speaker 6: boyfriend did it last year. Yeah.
Speaker 4: Absolutely, that's a completely different, completely different conversation.
Speaker 6: I completely empathize with her, and I understand what a
Speaker 6: financial strain that can put on you. That being said,
Speaker 6: I'm of the opinion that your financial situation should not
Speaker 6: impact the people that you're living with. And this is
Speaker 6: a conversation that we have had before, and I.
Speaker 4: Think I can just leave. That's fine because I'm on
Speaker 4: the same page. Just whatever, just says I agree.
Speaker 6: I just I especially because she knew. I think that's
Speaker 6: something that should have been discussed when they moved in. Hey,
Speaker 6: I'm going to go on placement. I'm going to need
Speaker 6: to sublet my room because I'm in the same boat
Speaker 6: as her friends. If I was living with two of
Speaker 6: my friends and they said, hey, we want to put
Speaker 6: a random in here for two months, I would say
Speaker 6: I'm not comfortable with that, And that is my own
Speaker 6: personal reasons, my own personal comforts and anxieties and whatever.
Speaker 6: But I think that they are entitled to live like
Speaker 6: you've moved in on an agreement that the three of
Speaker 6: us are going to live together for twelve months. That's
Speaker 6: the other thing. I'm operating under the assumption that they're
Speaker 6: on a twelve month lease, not a month to month lease.
Speaker 6: So we've gone, yep, me back in Victoria, we're all
Speaker 6: moving in together for twelve months. Yeah, that's the agreement
Speaker 6: that I've entered into. A lot of the time, at
Speaker 6: least in Victoria, subletting is not necessarily allowed. A lot
Speaker 6: of clauses do not allow it. True, So again, depending
Speaker 6: on their clause, depending on their situation, that could be
Speaker 6: a factor as well. I would not be comfortable with
Speaker 6: some random person moving in. And I understand how they
Speaker 6: have said. Annelie says like, get me on, get me on,
Speaker 6: get me on, Like I understand both sides. But I think,
Speaker 6: in the same way that I've said this for other situations,
Speaker 6: you signed a contract saying the three of us are
Speaker 6: going to do this, We're going to be responsible for this,
Speaker 6: and if you were concerned about that at the start,
Speaker 6: I think you maybe needed to have a little bit
Speaker 6: of forethought. I think not having her pay the bills
Speaker 6: to me seems like a good compromise. That's what me
Speaker 6: and my partner did. He paid his rent as per
Speaker 6: normal while he was paying to live on placement somewhere else,
Speaker 6: and I paid our full utility bills. Right, That's a
Speaker 6: good compromise.
Speaker 3: Give me the mic so I can take it away.
Speaker 3: It's a rare, rare moment where the money to talk
Speaker 3: about this, because you know what, jay Rik, it's anelysi
Speaker 3: here by the way, Hi, hi, hey, So jay Rik,
Speaker 3: I also completely agree with you and Victoria, and Victorian.
Speaker 5: Said anything officially, I've not gone on for once. For once,
Speaker 5: my house is a home, not a hostel.
Speaker 6: Okay.
Speaker 3: Literally, I would like to say, Jessica, I do completely
Speaker 3: agree with you, and now at my age, no way
Speaker 3: would I up with that. But what I would say is, okay,
Speaker 3: say you are good friends and you have moved in together. Yeah,
Speaker 3: why on earth did she not bring this up at
Speaker 3: the start. But there are two types of housemates in
Speaker 3: my long checkered history of sharehouses, right, and I have
Speaker 3: had some absolute nightmares and the people who house I'm
Speaker 3: a fantastic housemate. Do you think every everrying says that.
Speaker 5: Stole my underwear? And I'm sure she'd say she was great. Yeah,
Speaker 5: well let's stick on the topic.
Speaker 3: But I you know, we always had the housemate that
Speaker 3: would do the flaky thing and be like, oh, I
Speaker 3: actually I have to move out tomorrow and it's on
Speaker 3: you to find a new person and.
Speaker 2: Whatever the unacceptable share exactly.
Speaker 3: But there's a very very bond between perfect and even
Speaker 3: legal and what is the right thing to do and
Speaker 3: what actually happens in sharehouses. And what this chick should
Speaker 3: have said is that she was going to go on placement.
Speaker 3: Look for some reason she didn't. But she is your friend.
Speaker 3: And what I would say in this situation is she's
Speaker 3: probably not just saying she can't pay the rent because
Speaker 3: she just wants to.
Speaker 2: Keep some extra money.
Speaker 3: It's like, actually a difference between maybe doing it and
Speaker 3: not doing it, And yes it's not she left it
Speaker 3: way to the last minute. But if you trust your friend,
Speaker 3: she can organize all of the what do they call
Speaker 3: it interviews.
Speaker 2: For people to come in.
Speaker 3: You pick someone you like, and if they don't find someone,
Speaker 3: it's two months.
Speaker 2: Also, I mean that's eight weeks.
Speaker 5: It's very very quick.
Speaker 3: You don't have to say yes to anyone you don't like,
Speaker 3: and you're like, okay, if we can't find not a
Speaker 3: freak to move in.
Speaker 2: Then sorry, you got to pay.
Speaker 3: It's just in my experience that gap between perfect, normal,
Speaker 3: stable adult life and sharehouse life is there is a
Speaker 3: whole lot of movement in between, and it's really hard
Speaker 3: and it gets very mucky. And yes, I have lived
Speaker 3: with the biggest chaos lords on the planet and you
Speaker 3: don't want to entertain that in your house. But I
Speaker 3: just also think this person's your friend. You've moved into
Speaker 3: with friends, like, maybe you can help them out, not
Speaker 3: let a toxic vibe in in a short term and
Speaker 3: vet that you know.
Speaker 6: But it's hard because if you've picked a friend to
Speaker 6: move in, like you've cultivated a safe space.
Speaker 3: From my perspective, well then you picked the wrong person
Speaker 3: because your friend's lying to you.
Speaker 6: Yes, I.
Speaker 5: Well sorry to get dramatic.
Speaker 2: Yeah, no, I get what you mean.
Speaker 3: I just then like, where's that friendship going to be
Speaker 3: after this? Then when they're like, ah, no, you know
Speaker 3: is that in chatters?
Speaker 6: There are other options though, Like you can get grants
Speaker 6: to help you pay for accommodation. I know James had
Speaker 6: a good portion of his covered. It also depends, I
Speaker 6: guess on what she's looking at for her alternative accommodation,
Speaker 6: Like is she like, has she found a really affordable place,
Speaker 6: you know, for her second home while she's on placement,
Speaker 6: Like my partner was staying in quite frankly a trash heap,
Speaker 6: Like it was a two meter by two meter box
Speaker 6: with like a little square window, Like it was not
Speaker 6: a nice place to live. But he's like, well, it
Speaker 6: does the job, and it's cheap a f and it's
Speaker 6: pretty much covered by my grant. So that's it. So
Speaker 6: I feel like there are other options here that shouldn't
Speaker 6: necessarily mean that you have to put two other people
Speaker 6: out on something.
Speaker 2: That should be a last Yeah, definitely.
Speaker 6: Yeah.
Speaker 4: I feel like it's all fair and coming from different areas,
Speaker 4: and I think it honestly depends on the personality of
Speaker 4: the people that you're going to live with right, sure?
Speaker 4: So like I could have already guessed that Beck, you'd
Speaker 4: be like, yeah, that's fine, someone else can come live
Speaker 4: with me. Yeah, I already knew that. Jessica would have
Speaker 4: just been like hard not. I think you already knew
Speaker 4: both of you that I wouldn't have been comfortable with that.
Speaker 6: Yeah.
Speaker 4: And I think it's about kind of the stability that
Speaker 4: you're trying to create in your sharehouse. I know that
Speaker 4: jess and I are very similar in that it was
Speaker 4: never really just a sharehouse that we didn't care about. No, Like,
Speaker 4: to me, that's my home, Like I have spent money
Speaker 4: furnishing it. I have you know, invested in different things.
Speaker 4: You know, there's been arguments along the way of who
Speaker 4: needs to buy the dishwashing detergent and all of those
Speaker 4: other things. But I'm the type of person that furnished
Speaker 4: it and put you know, photos on the wall, and
Speaker 4: these are my things.
Speaker 5: This is my home.
Speaker 4: I'm like, it's not to me a hostel where people
Speaker 4: come and go. Like I always moved in with people
Speaker 4: that I assumed we would have a long term housemate
Speaker 4: relationship with. So if someone had turned around and be like, oh, yeah,
Speaker 4: I'm just gonna sublet my room. It takes me a
Speaker 4: lot to be comfortable with somebody.
Speaker 6: Sure.
Speaker 4: That whole idea that now I need to find time
Speaker 4: in my schedule to interview people to potentially move into
Speaker 4: my house that I might be comfortable with for only
Speaker 4: eight weeks, I feel is not fair. It should have
Speaker 4: been a conversation he had at the very beginning where
Speaker 4: maybe now listening to this, if you're moving into a sharehouse,
Speaker 4: have that conversation with your housemates before you move in,
Speaker 4: be like, hey, what if any of us go who's away? Yeah,
Speaker 4: that's what if your finances are not your housemates' responsibility.
Speaker 4: And yes, it's placement, but like I don't know, three
Speaker 4: of our team members recently have done eight weeks stints
Speaker 4: in Europe. I'm not saying that that's a key into placement.
Speaker 4: There's a lot of privilege, there's a lot of discussion,
Speaker 4: But just because your room is open doesn't mean that
Speaker 4: someone necessarily comes and lives there. Like you, As you said, Jess,
Speaker 4: you've signed a lease, You've moved in on the premise
Speaker 4: that you've committed to that for twelve months. If the
Speaker 4: circumstances that you can't commit to that anymore. Well maybe
Speaker 4: you give your housemates the option and be like, hey, cool,
Speaker 4: well I'm not going to be able to afford it,
Speaker 4: giving you notice now I'm going to move out. You're
Speaker 4: going to need to find a new housemate. And that
Speaker 4: could be the reality of the situation, because at the
Speaker 4: end of the day, I just think, for me, one
Speaker 4: thing that I always looked for when I was not
Speaker 4: living with my parents anymore was stability. And I didn't
Speaker 4: want people coming and going from my home or like
Speaker 4: using my stuff or I don't know, I'm not the
Speaker 4: type of person that was cool with that.
Speaker 5: Flip it over to my little sister.
Speaker 4: She's so good at making friends, like it wouldn't matter
Speaker 4: who was and where it was. But I think you
Speaker 4: need to be really aware of the personalities that you're
Speaker 4: moving in with because I only knew that you'd be
Speaker 4: fine with it, Beck, and I knew that would be hard. No,
Speaker 4: Like it was not a surprise when your opinions came out.
Speaker 4: I was like, yeah, this makes sense, right, But.
Speaker 6: You've feels for a certain environment too, Like what if
Speaker 6: the three friends like you're the kind of friends that
Speaker 6: like you get ready together every Friday night, like you
Speaker 6: walk around in your unknees because you're all fake tanning.
Speaker 6: Like there's a level of comfort there that I think
Speaker 6: you develop with people that are your friends, that even
Speaker 6: if you find a person who's a non freak, who
Speaker 6: is perfectly lovely, bringing them into the home is still
Speaker 6: going to be disruptive.
Speaker 2: Of course, is creepy.
Speaker 5: And I don't think.
Speaker 3: Yeah, I don't think anyone. I mean, we do need
Speaker 3: to finish this episode, but I don't think anyone wants
Speaker 3: to say that it's cool or great for home to
Speaker 3: be disrupted. I just think in the practical, everyday reality
Speaker 3: of living in a sharehouse, there are going to be
Speaker 3: times when it's not as good as what it always is.
Speaker 2: I don't know.
Speaker 4: Oh my gosh, I have empathy not promising another list
Speaker 4: that I'm not going to deliver on. I have written
Speaker 4: most lists sweety to get them online. So we should
Speaker 4: make a list of questions to ask your housemates before
Speaker 4: you move in with oh my god.
Speaker 2: Housemate check list. We're not giving you a date. Follow
Speaker 2: us on Instagram and we'll announce it there when it's random.
Speaker 5: We will release it when we're comfortable.
Speaker 6: Yeah, that's a great idea though, because we're like, we've
Speaker 6: done a lot of these housemate episodes now, and you know.
Speaker 4: What, all this is the spiciest housemate content ever. Like
Speaker 4: not necessarily this, but like this podcast has gone rogue on.
Speaker 4: I feel like one of you heard that we talk
Speaker 4: about housemates and you're like, oh, by the way, my
Speaker 4: housemate dilemma is so yeah.
Speaker 5: Anyway, guys, that is all we have time for today.
Speaker 4: I hope you have the best weekend and we'll see
Speaker 4: you briting early for a money diary on Monday.
Speaker 2: Bye bye.
Speaker 4: The advice shared on She's on the Money is general
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Speaker 4: on the Money exists purely for educational purposes and should
Speaker 4: not be relied upon to make an investment or financial decision.
Speaker 4: If you do choose to buy a financial product, read.
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