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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. She's on the Money.

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Speaker 3: She's on the Money.

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Speaker 4: Hello, and welcome to She's on the Money, the podcast

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Speaker 4: for millennials who want financial freedom.

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Speaker 2: My friends, today is Friday again, which means it.

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Speaker 4: Is time to get my beautiful team together and celebrate

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Speaker 4: you ow incredible. She's on the Money community today, missus

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Speaker 4: J Grici is going to be sharing her favorite money

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Speaker 4: wins from our community. Beck has a few sneaky broke tips.

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Speaker 4: I don't have anything to contribute this week. I'm so sorry, Beck, Okay,

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Speaker 4: I ran out. There was one and done last week.

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Speaker 4: We'll be helping to answer a juicy money dilemma, which

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Speaker 4: this week is all about asking your partner to make

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Speaker 4: stubranuation contributions while you're on parental leave, which I think

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Speaker 4: is real less bussy because I don't know if you

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Speaker 4: guys know, but I'm pregnant and I have had this

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Speaker 4: conversation with my husband, so it's been interesting seeing both

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Speaker 4: sides of the coin. Like, obviously, as a staunch feminist advocate,

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Speaker 4: I want everybody to be thinking about their superannuation when

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Speaker 4: they take any type of leave from the workplace. But

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Speaker 4: now I'm the one also sitting down going, hey, husband,

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Speaker 4: what are we doing about this super thing?

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Speaker 2: Because like, I'm.

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Speaker 4: Not going to be happy if I'm behind of all people. Anyway,

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Speaker 4: We're also going to be unpacking something that you slid

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Speaker 4: into our DMS about which this week, get this, we're

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Speaker 4: going to be talking about a potentially deceptive friend and

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Speaker 4: a missing sum of cash.

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Speaker 5: Spicy ice, so juicy.

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Speaker 2: I love it.

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Speaker 4: All Right, guys, how have your weeks been before we

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Speaker 4: get into the episode and before we get to the

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Speaker 4: juicy stuff.

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Speaker 2: I don't know, maybe you have had juicy weeks.

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Speaker 6: You go first, yess, technically we've been to the Podcast Awards,

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Speaker 6: but because of time travel, we haven't been to the

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Speaker 6: podcast yet, so we're going tonight.

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Speaker 4: We're up for a couple of awards, which is so

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Speaker 4: exciting actually.

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Speaker 6: So nice, Like, obviously, awards don't mean anything, I'm.

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Speaker 2: Sorry, what they mean a lot to my little ego.

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Speaker 6: When someone recognizes I guess the hard work that you do,

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Speaker 6: it is just like so lovely because you know, obviously

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Speaker 6: we have had a few awards, and recently we were

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Speaker 6: finalists in the Telstra Best of Business Awards, which for

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Speaker 6: me was massive and while we didn't take away the win,

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Speaker 6: I was just we got the certificate in the mail

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Speaker 6: of like Queer.

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Speaker 4: A finalist, and I was just like, this just means

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Speaker 4: we're on the right track and we're doing the right things,

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Speaker 4: and people like the right people are seeing our content

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Speaker 4: and saying the stuff that you're doing is having an

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Speaker 4: impact because obviously there's heaps of podcasts around and the

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Speaker 4: idea that our podcast actually gets recognized.

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Speaker 2: To me is wild.

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Speaker 4: Yeah, but also it's just really validating because I think

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Speaker 4: I'm doing the right thing. And I'll sit in this

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Speaker 4: room and I promise you guys will be like yeah, yeah, yeah,

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Speaker 4: we're so good at the right thing, but to have

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Speaker 4: an external party, go, hey, guys, that's pretty impressive.

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Speaker 2: You just go you serious.

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Speaker 4: So whether we win or tonight, I kind of don't mind.

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Speaker 4: It's just being in that lineup of like, hey, look

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Speaker 4: at all these other podcasts.

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Speaker 2: That we're up against.

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Speaker 4: Yeah, because like the category we're up in, we're up

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Speaker 4: against our friend Glenn James, who I adore and I

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Speaker 4: think his podcast will be very hard to beat.

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Speaker 2: But then you know who else is in the category,

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Speaker 2: Mark Boris.

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Speaker 7: Yeah, I don't know how she's on the money when

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Speaker 7: it comes to being a good business.

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Speaker 2: She's going to beat Mark Boris.

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Speaker 4: So yeah, I'll probably be eating some humble pie later

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Speaker 4: this week. But I'm just excited to be, you know,

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Speaker 4: in the lineup with the big dogs.

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Speaker 5: Yeah, very really very exciting. Yes, technically we have been,

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Speaker 5: but I don't know yet if we I feel like

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Speaker 5: we had a fun time. Yeah, when we go, we

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Speaker 5: have another time. We have a fun time tonight. But yeah,

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Speaker 5: the week's been so good. It's just been sure, it's

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Speaker 5: been busy. Best friend's birthday on Wednesday?

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Speaker 2: Was my birthday? What are you talking about?

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Speaker 5: It was your birthday on Wednesday? I think you forgot friend,

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Speaker 5: I get it, but no, just real chill, real, nice,

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Speaker 5: well again, busy, busy and good and what are you good?

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Speaker 2: I did nothing, it was amazing.

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Speaker 4: Spent some time with friends and family, took my dog

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Speaker 4: for a lot of walks. She was very happy. I

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Speaker 4: feel at the moment my favorite thing ever is literally

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Speaker 4: doing nothing on my weekends.

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Speaker 2: Like it's wild. It's absolutely whytn recover.

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Speaker 6: Yeah, this time of year, there's nothing I like more

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Speaker 6: than a quiet weekend.

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Speaker 4: Yeah, I've been spending a lot of time, just like

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Speaker 4: on TikTok watching Christmas videos. Real question, though, this isn't

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Speaker 4: an attack on New Jess, because you love Christmas. You

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Speaker 4: adore Christmas, and I know how you manage it, like

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Speaker 4: you always like add a few decorations to a pre

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Speaker 4: existing stash. But I've seen this year, specifically on TikTok

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Speaker 4: and Instagram videos, people being like here's my Christmas hall

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Speaker 4: and then they're spending like my entire Christmas gift budget

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Speaker 4: or like redecorating their entire house. Whereas I've grown up

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Speaker 4: in a house where like the same Christmas decorations have

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Speaker 4: been coming out for like the last thirty years of

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Speaker 4: my life is that like we meant to be like

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Speaker 4: redecorating an entire tree and having a brand new theme.

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Speaker 2: Jess is excluded from me.

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Speaker 4: She can answer the question, but she's a Christmas girlie,

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Speaker 4: But like does.

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Speaker 2: It on a budget?

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Speaker 4: But I feel like I am seeing every influencer being like,

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Speaker 4: here's my pottery barn Hall and I bought two pottery

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Speaker 4: barn pillows recently for Christmas because I was upset and

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Speaker 4: I basically had to re mortgage my entire house. So like,

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Speaker 4: where are these women getting the money for the Christmas decorations?

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Speaker 5: Yeah, that's successive.

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Speaker 6: Hey, lots of people are saying that this time of year,

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Speaker 6: Christmas Black Friday this year particularly, is feeling really consumer driven,

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Speaker 6: like very bye bye bye sales sale, like it started

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Speaker 6: earlier than normal, And like I have no issues with

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Speaker 6: that because, as you said, I love Christmas.

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Speaker 2: I will celebrate it for three months. I was, I

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Speaker 2: don't see this as a personal day. I just want

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Speaker 2: to talk about this content.

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Speaker 6: No, but I think I don't wonder if it's got

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Speaker 6: something to do with the recession and the fact that

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Speaker 6: I think company.

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Speaker 2: Ellipstick index but it's the Christmas Index.

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Speaker 6: Well, yeah, I think companies are probably obviously trying to

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Speaker 6: drive sales because consumer spend jobs down and that's their job, correct,

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Speaker 6: But I think I mean for me, I know that

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Speaker 6: Christmas is really an emotional holiday, and that's why I

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Speaker 6: buy into it so much.

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Speaker 2: Is it?

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Speaker 6: It has very special memories from me as a child,

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Speaker 6: and that's something I want to continue through. And so obviously, I,

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Speaker 6: like you said, I budget for it, Like I plan

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Speaker 6: for it. I'm not spending me on but I.

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Speaker 4: Know no one else's Yeah, just as a little wizard,

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Speaker 4: and if she wasn't, she wouldn't be on the ses

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Speaker 4: on the money team, like she's the best little budgeter.

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Speaker 4: I can't even Yeah, but I just know that everyone

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Speaker 4: on TikTok isn't doing that. They're just like racking up

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Speaker 4: their credit cards for so much Christmas content.

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Speaker 6: Yeah, and like it's easy to be sucked in even

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Speaker 6: all the sales, Like I keep having to remind myself

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Speaker 6: and I have a few money means on this note,

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Speaker 6: like you don't need everything that you see.

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Speaker 2: That's on tail, Like it's if you're still spending money.

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Speaker 4: Yeah, I feel like it just needs to be said

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Speaker 4: to go, you know what, that's actually not that normal,

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Speaker 4: Like most people just use the Christmas decorations they bought

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Speaker 4: the year before, and like I have a themed tree,

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Speaker 4: Like it's when I say themed, I mean it's like

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Speaker 4: one color palette and every year I like add a

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Speaker 4: few Christmas decorations to that or like, you know, I

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Speaker 4: don't know what are we talking, Jess, maybe like thirty dollars.

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Speaker 2: I'll spend on that because like I will.

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Speaker 4: Always wait until, like they have the sales on the

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Speaker 4: Christmas decorations and a full price Boxing day, no absolute Boxing.

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Speaker 2: Day or even the lead up.

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Speaker 4: Yeah, right now during the Black Friday sales. My favorite

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Speaker 4: Christmas decorations are like forty to sixty percent off, So

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Speaker 4: I'm like, well, I'm gonna pick those up because from memory,

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Speaker 4: they don't get cheaper on Boxing Day, they.

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Speaker 2: Just have they just have less stocks, so I need

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Speaker 2: it right now.

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Speaker 4: But I'll show maybe thirty bucks and get six or seven,

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Speaker 4: you know, additional decorations.

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Speaker 2: And I think that's normal. Yeah do you even have

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Speaker 2: to do that? No?

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Speaker 6: Yeah, normalized using what you have or like being with

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Speaker 6: what you have, Like I get it, Like I'm so

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Speaker 6: guilty of being sucked into it, like the social media

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Speaker 6: consumerist thing but this is your little reminder, like what

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Speaker 6: you have is perfectly good, and if you want to

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Speaker 6: update it, there are so many ways you can di

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Speaker 6: wire a little refresh, paint your ball balls if you

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Speaker 6: want a different color. Skime's so smart something like that, Like,

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Speaker 6: there are lots of little hacks and tricks that you

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Speaker 6: can news that you don't have to spend money to

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Speaker 6: make it feel new.

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Speaker 2: If that's what you are.

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Speaker 4: Exactly, all right, Well let's get into the actual show.

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Speaker 4: I just wanted to round about Christmas because any opportunity.

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Speaker 2: To talk about Christmas is a good one to take.

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Speaker 4: Miss z Gricci, what have you got when it comes

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Speaker 4: to money wins and confessions this week?

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Speaker 6: Starting off with a small, solid one from Kelsey said

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Speaker 6: something small but price matched my giant dog food bag.

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Speaker 6: It's usually one hundred and sixty dollars, but I got

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Speaker 6: it for one hundred and twenty two. And I also

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Speaker 6: had a ten dollar pet stock reward. Thirteen kilos of

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Speaker 6: dog food for one hundred.

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Speaker 2: And twelve dollars.

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Speaker 5: That's so cord.

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Speaker 6: I just price matching. Don't forget about price matching, especially

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Speaker 6: this time of year, because everything is on sale. Next

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

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Speaker 6: saved six thousand dollars on top of my one thousand

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Speaker 6: dollar emergency fund. I'm planning on selling my car soon

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Speaker 6: and I am hoping to make four thousand dollars, so

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Speaker 6: I make my goal of saving ten grand to move overseats.

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Speaker 2: So far, if it all goes.

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Speaker 6: According to plan, I have reached my goal two months

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Speaker 6: earlier than I planned. Cosh very exciting. Now I've got

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Speaker 6: a money loss from Grace, who said money loss. I

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Speaker 6: caved to some Black Friday deals and Impulse brought some

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Speaker 6: once which have blown my budget out a little further

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Speaker 6: than I intended. But I'm taking this is my reminder

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Speaker 6: to sit down and fine tuned my budget and goals

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Speaker 6: to better hold myself accountable. And then on the flip

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Speaker 6: side of that, I have a win from now who

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Speaker 6: said money win. I'm taking advantage of the early Black

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Speaker 6: Friday sales. Let's start and finish my Christmas shopping so

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Speaker 6: I can start saving towards my red jo.

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Speaker 4: I feel like this is the reminder that I also

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Speaker 4: need like the Christmas thing I bring up because I

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Speaker 4: kind of started to play into it a little bit.

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Speaker 4: I was like, oh, yeah, maybe I will do. And Jesse,

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Speaker 4: you've already heard this from me. I was like, what

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Speaker 4: if I did an entire rainbow Christmas tree, like instead

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Speaker 4: of having my normal Christmas tree that I pull out

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Speaker 4: every single year because I have a plastic one.

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Speaker 2: Don't come for me, don't want to hear it.

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Speaker 4: But I said to Jess, oh my gosh, what if

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Speaker 4: I went and bought like all rainbow decorations so it

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Speaker 4: could be like an ombre.

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Speaker 2: From the top.

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Speaker 4: Think about it, red, orange, yellow, green, pinker blue, like

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Speaker 4: it would just be a sleigh. And Jess was obviously

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Speaker 4: all in because she's Christmas girlie. Like, if you want

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Speaker 4: Jess to talk you out of something, if you're her friend,

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Speaker 4: it's not going to happen.

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Speaker 2: She'll be like, huh, that sounds great, Let's do it. Bush.

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Speaker 4: I sat down and was like, hold up, wait, what

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Speaker 4: am I going to do with all these decorations once

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Speaker 4: Christmas is over?

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Speaker 2: What am I going to do?

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Speaker 1: You know?

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Speaker 4: At this point and then I was thinking a ways

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Speaker 4: to justify it. I was like, what if I videoed it?

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Speaker 2: Then it could be like content that I put on

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Speaker 2: the internet. Then it's like, you know, it makes sense?

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Speaker 4: Sure, No, you don't need the rainbow Christmas tree, so

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Speaker 4: I will be having a gold Christmas tree again.

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Speaker 5: Love yeah, lovely.

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Speaker 2: I just I can't justify it, guys.

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Speaker 6: Yeah, I just feel like Nellie and Grace two flip

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Speaker 6: sides of the way to look at it.

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Speaker 7: Right.

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Speaker 6: Likely you can be sucked in, and you can be

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Speaker 6: a little bit disappointed maybe in what you've bought, and

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Speaker 6: be a little bit stressed because you've pushed your budget out,

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Speaker 6: or you can use it to your advantage. The sales

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Speaker 6: aren't inherently bad. We talk a lot about just making

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Speaker 6: your list, checking it twice, making the sales work for you.

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Speaker 6: So yeah, I feel like it was just really interesting

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Speaker 6: that we had two people go kind of either way

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Speaker 6: on the same thread.

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Speaker 4: I think it's so funny it actually, if you haven't

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Speaker 4: seen our Instagram post as well from this week, we

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Speaker 4: did five questions to ask yourself before impulse buying on

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Speaker 4: Black Friday, and we posted that on Tuesday, So just

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Speaker 4: to give you a quick rundown, first question is ask

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Speaker 4: yourself do you really need it?

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Speaker 2: Second? Can I find a better deal late?

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Speaker 4: Because like so many times, Black Friday deals are so

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Speaker 4: impulsive that you never think you're going to get it

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Speaker 4: ever again. But then you kind of do a bit

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Speaker 4: of research on the product and you realize it gets

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Speaker 4: discounted every sale season.

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Speaker 5: Sure.

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Speaker 2: Number three does it fit your budget? Number four?

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Speaker 4: Have I waited twenty four hours before committing to purchase this?

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Speaker 4: And I promise Black Friday is not just one day?

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Speaker 6: Is it? Yes?

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Speaker 4: It's like a little season it because like two weeks

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Speaker 4: at least exactly, so like you do have time to

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Speaker 4: put twenty four hours between you and your spending. And

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Speaker 4: number five will I regret this tomorrow? So five questions

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Speaker 4: to ask yourself before you do that, and hopefully they

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Speaker 4: can help you stay off the confessions list in our

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Speaker 4: many Wins and Confession thread. But please add your confessions

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Speaker 4: because I feel like everyone feels so much more heard

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Speaker 4: when we share them. Yeah, it's not us going, oh, beck,

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Speaker 4: I can't believe it. It's literally us going, like girl,

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Speaker 4: we get it.

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Speaker 6: Good reminder, very good reminded, Thank you, Grace. Next money

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Speaker 6: We is from Sophie who said my usual train line

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Speaker 6: is being closed for eighteen months to allow for upgrades

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Speaker 6: and to compensate for the inconvenience, They're giving everybody six

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Speaker 6: months of.

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Speaker 2: Free travel on what the train you can't get on? Yeah?

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Speaker 6: Maybe life loss though, because the other options take so

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Speaker 6: much longer for me to get to work.

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Speaker 2: But at least it's free. I think you look, at

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Speaker 2: least it's free.

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Speaker 6: It's eighteen months.

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Speaker 2: Also, yeah, I'm like, oh the math mathing there.

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Speaker 4: Yes, someone needs to raise a few questions with our

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Speaker 4: council there.

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Speaker 5: I think whole eighteen months should be free. But I agree,

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Speaker 5: who am I? Who am I to say?

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Speaker 4: I think the entire eighteen months should be free because

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Speaker 4: you are being told that you're being put out for

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Speaker 4: eighteen months, and I mean free public transport when obviously

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Speaker 4: the train station is closed. It's like, actually the train

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Speaker 4: company's fault. Free public transport is not going to cost

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Speaker 4: them that much because the train's already running. It's not

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Speaker 4: like they are going to have to add additional services totally. Also,

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Speaker 4: it's going to cost our community member more because they're

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Speaker 4: probably going to have to drive to a different station

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Speaker 4: or find their way there somehow, which costs time and money.

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Speaker 5: Yeah, totally, but that's all.

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Speaker 6: Sophie seems happy she's taking the win. Lastly, I've got

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Speaker 6: one from Taylor who said money and life win. We

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Speaker 6: started fostering kittens this week.

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Speaker 2: Why is it a money?

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Speaker 6: When I hear you ask, cat Haven, which is the shelter,

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Speaker 6: pays for all of the food, the vet appointments, the toys,

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Speaker 6: and the other supplies. We get to look after these

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Speaker 6: sweet little babies at no extra costs. Great for us

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Speaker 6: because we've always wanted to have pets but aren't in

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Speaker 6: the position to be able to adopt financially or otherwise.

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Speaker 6: We get to help these little babies while they're overcoming

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Speaker 6: their cat flu and help them find their forever homes

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Speaker 6: by posting their profiles online.

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Speaker 2: She put a.

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Speaker 6: Cutey little pick of them all sleeping together.

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Speaker 4: Gosh, Now nobody tells Jess that this is an option

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Speaker 4: for her.

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Speaker 2: I was like, HI, could just have four more kittens?

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Speaker 4: Absolutely not, She's already got two.

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Speaker 2: She's just started selecting them.

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Speaker 6: Me and my boyfriend's cut me off at two unfortunately.

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Speaker 2: So I did mine. So what I did get this

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Speaker 2: was get a dog. That's I think here. And then

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Speaker 2: he said, no more pets.

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Speaker 4: No, we've already got three Victoria, And I was like,

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Speaker 4: all right, hear me out a baby.

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Speaker 2: So I'm winning.

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Speaker 6: I am win, adding to the group. Yeah, if you

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Speaker 6: can foster. It's a really good thing. And I know

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Speaker 6: that the shelters are really overwhelmed at the moment.

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Speaker 2: So I love it. They cover the costs, which is awesome.

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Speaker 2: That's really That was such a good note to end on. Yeah,

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Speaker 2: kittens and Christmas, Like what a good episody today?

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Speaker 5: Yes?

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Speaker 2: What have you got when it comes to broke tips

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Speaker 2: this week?

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Speaker 5: Okay? So, as per usual, I do have two from

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Speaker 5: the community and one from myself. So the first one

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00:15:25,640 --> 00:15:28,840
Speaker 5: comes from Kimberly, who has given me a really good

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Speaker 5: lentil vegan chili con khan recipe. She says that using

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Speaker 5: red lentils as a meat substitute, which I know is

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Speaker 5: not ideal for everyone. If you're going in for a

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Speaker 5: chili con cahn, you kind of crave in that meat.

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Speaker 5: But if you're going for a.

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Speaker 2: Vegan, they're delicious, delicious.

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Speaker 4: I feel like lentils have that meatiness to them, especially

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Speaker 4: if you.

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Speaker 2: Cook them low and slow.

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Speaker 5: Totally totally.

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Speaker 2: I have fooled my husband in a number of yes.

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Speaker 5: And they're so filling. So for about ten to twelve dollars,

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Speaker 5: it makes twelve large serving delicious, So I mean, if

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Speaker 5: you want that recipe hit me up and I'll.

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Speaker 4: No no, no, no no, We'll put it on our Instagram

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00:16:04,640 --> 00:16:07,800
Speaker 4: stories today, So you share that with me. We'll share

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Speaker 4: that with our new graphic designer, Georgia because get this,

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Speaker 4: that she's on the money team has had to glow up.

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Speaker 4: We have a real life, full time graphic designer.

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Speaker 2: Put it in a little recipe card for you guys.

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Speaker 2: Put it on our inst stories per perfect.

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Speaker 5: Actually believe chili con can Kimberly' chlicon can. Thank you

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00:16:25,160 --> 00:16:27,560
Speaker 5: so much, Kimberly. And this next one comes from Kate

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Speaker 5: who says, Hi, beg, I have a broke tip for you.

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Speaker 5: End of year slash Christmas parties can get expensive, So

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Speaker 5: for our stealing Santa games, I've said to the team,

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Speaker 5: just find something around the house that you don't want

392
00:16:36,960 --> 00:16:40,120
Speaker 5: anymore and wrap it up. Plant clippings, veggies from your garden,

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00:16:40,160 --> 00:16:42,360
Speaker 5: a plate that doesn't match the rest. It's a way

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Speaker 5: to declutter. And it's also I love this.

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Speaker 2: That is so fun.

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Speaker 5: That's I mean, it's it's great, Like, especially if you're

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Speaker 5: living in the share house, there's so many like random

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Speaker 5: plates that don't fit anything else.

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Speaker 6: It's just going to be really funny. I feel everyone

400
00:16:54,640 --> 00:16:56,040
Speaker 6: like opening the bad Santa Presents.

401
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Speaker 2: It's gonna be I can't really love that.

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Speaker 4: It also gives me little sister vibes, so like I

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Speaker 4: have a little sister Alex.

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Speaker 2: If you're listening, love you, please look away.

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Speaker 4: But every time she comes to my house, it's basically like,

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00:17:09,480 --> 00:17:12,360
Speaker 4: what can I steal from you? Yeah, kind of situation. Yea,

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00:17:12,560 --> 00:17:15,400
Speaker 4: she always wants my stuff. Surely other people do too.

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00:17:15,680 --> 00:17:19,440
Speaker 5: Totally totally. There's something that someone has in the house

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Speaker 5: that surely is like nothing to them, but it's it's

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Speaker 5: treasure to someone else.

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Speaker 2: So I love it makes for a really entertaining time.

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Speaker 5: So yeah, absolutely, I love it. So thank you so

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Speaker 5: much for that one.

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Speaker 1: Kate.

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Speaker 2: All right, Beck, what is your personal broake tip from

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00:17:32,480 --> 00:17:32,840
Speaker 2: this week?

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Speaker 7: Then?

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Speaker 5: Okay, so this one, as usual's a little bit rogue.

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Speaker 5: But I was listening to this thing about embracing rejection

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Speaker 5: and this kind of ties in somehow. So basically, if

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00:17:42,720 --> 00:17:45,480
Speaker 5: you're I'm a little bit too awkward for this. But

422
00:17:45,520 --> 00:17:48,240
Speaker 5: if you're out and about and you're wanting to i

423
00:17:48,280 --> 00:17:50,360
Speaker 5: don't know, price match or try and get some free

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00:17:50,880 --> 00:17:53,639
Speaker 5: let's say cookie with your coffee order or something, like

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Speaker 5: embracing rejection means literally just asking the people around you.

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Speaker 2: Audacity is high, but not that high.

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Speaker 5: I know, I know me too, And this is like

428
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Speaker 5: it's so good for maybe like every now and then

429
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Speaker 5: getting a free sweet treat or getting a free like

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Speaker 5: you never know what you're gonna get. You might have

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Speaker 5: like something be reduced, a price of the price of

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Speaker 5: something be reduced. Like I was saying a few weeks

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Speaker 5: ago how my friend was going overseas and asked if

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Speaker 5: the accommodation place could match her budget. They did it.

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Speaker 5: So just asking people, just asking for freebies, just asking

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00:18:26,320 --> 00:18:29,200
Speaker 5: for discounts, asking for you know, you never know how

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00:18:29,200 --> 00:18:31,920
Speaker 5: far you get. Also, it's like it's character building as well.

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Speaker 2: Yeahs my character built in that way.

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Speaker 6: I can if you don't ask, the answers always know.

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Speaker 6: Isn't that the same exactly?

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00:18:38,160 --> 00:18:40,159
Speaker 4: I say that all the time, but like I couldn't

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00:18:40,200 --> 00:18:42,840
Speaker 4: ask for a free cookie, like like I know that.

443
00:18:42,680 --> 00:18:45,439
Speaker 2: That's so I don't know, maybe it's not as scary.

444
00:18:45,560 --> 00:18:48,160
Speaker 4: If anybody has been doing this, can you smide into

445
00:18:48,200 --> 00:18:51,120
Speaker 4: our DMS and tell us how you've been doing it

446
00:18:51,160 --> 00:18:54,080
Speaker 4: without it being weird? Because I cannot imagine going to

447
00:18:54,119 --> 00:18:56,720
Speaker 4: my local cafe and being like, yep, butchuoit lates thank you?

448
00:18:56,800 --> 00:18:58,679
Speaker 2: Also, do you have any free cookies? Like how do

449
00:18:58,720 --> 00:19:00,399
Speaker 2: you ask count thing?

450
00:19:00,480 --> 00:19:02,280
Speaker 6: Like maybe you say, oh, is there some kind of specialist?

451
00:19:02,320 --> 00:19:03,840
Speaker 2: I buy a coffee and a cookie?

452
00:19:04,000 --> 00:19:05,840
Speaker 5: Totally you have.

453
00:19:05,840 --> 00:19:08,120
Speaker 6: To pay for the cookie too, well, like they might

454
00:19:08,160 --> 00:19:10,119
Speaker 6: just go oh no, no, specially go okay, just the coffee,

455
00:19:10,200 --> 00:19:13,160
Speaker 6: thank you totally if I agree, like okay, I need

456
00:19:13,160 --> 00:19:15,120
Speaker 6: the language a lot.

457
00:19:15,400 --> 00:19:17,040
Speaker 2: But if you say, is there some kind of deal?

458
00:19:17,240 --> 00:19:20,840
Speaker 6: I feel like older people, like my parents, especially my

459
00:19:20,920 --> 00:19:22,560
Speaker 6: dad was always really good at this, because I think

460
00:19:22,560 --> 00:19:24,320
Speaker 6: you get to a point where you're just not embarrassed anymore.

461
00:19:24,359 --> 00:19:26,280
Speaker 6: You're like, well, what they say no? So what like

462
00:19:26,320 --> 00:19:28,800
Speaker 6: do I care? Like is that the I do right now?

463
00:19:28,880 --> 00:19:29,359
Speaker 2: Well that's it.

464
00:19:29,480 --> 00:19:32,280
Speaker 6: I think we get so stressy about it. But if

465
00:19:32,280 --> 00:19:34,320
Speaker 6: you just ask can, they say no, and you're oh,

466
00:19:34,320 --> 00:19:35,320
Speaker 6: that's all right, that's fine.

467
00:19:35,440 --> 00:19:37,679
Speaker 4: Like I did get gifted a free cookie the other

468
00:19:37,760 --> 00:19:39,760
Speaker 4: day though, so I didn't ask for it though I

469
00:19:39,800 --> 00:19:42,200
Speaker 4: was in Subway, because I've recently fallen back in love

470
00:19:42,240 --> 00:19:44,080
Speaker 4: with subway, like just sourd sandwiches.

471
00:19:44,160 --> 00:19:47,440
Speaker 2: Subway I know so good and I'm always yes, but.

472
00:19:49,040 --> 00:19:54,679
Speaker 4: Every time not sponsored, I'm always so like happy with

473
00:19:54,720 --> 00:19:56,879
Speaker 4: the price point to you. Anyway, the girl was like, oh,

474
00:19:56,920 --> 00:19:59,080
Speaker 4: do you want a cookie? And I said yes because

475
00:19:59,080 --> 00:20:00,639
Speaker 4: I felt awkward, but she just gave it to me

476
00:20:00,680 --> 00:20:01,000
Speaker 4: for free.

477
00:20:01,000 --> 00:20:02,560
Speaker 2: I thought I was gonna have to pay dream and

478
00:20:02,760 --> 00:20:06,080
Speaker 2: way delicious. It wasn't that. It was my first Subway cookie,

479
00:20:06,200 --> 00:20:10,359
Speaker 2: the macadamia. I haven't had that one, the one with

480
00:20:10,440 --> 00:20:11,680
Speaker 2: the little in lem and ms.

481
00:20:11,960 --> 00:20:15,359
Speaker 5: Oh that's new, that's new to the rotation.

482
00:20:15,480 --> 00:20:19,440
Speaker 6: Okay, we really sound like we're plugging.

483
00:20:19,280 --> 00:20:21,600
Speaker 2: So we can like Subway for you all work together.

484
00:20:22,440 --> 00:20:25,720
Speaker 4: I currently am obsessed with you, but that's okay, all right, Well, Beck,

485
00:20:25,840 --> 00:20:26,720
Speaker 4: I like that tip.

486
00:20:26,880 --> 00:20:27,320
Speaker 5: Thank you.

487
00:20:27,640 --> 00:20:29,399
Speaker 4: I do really want to hear from the people in

488
00:20:29,440 --> 00:20:31,600
Speaker 4: our community who have the audacity to ask, like, can

489
00:20:31,640 --> 00:20:33,000
Speaker 4: you just like give us a little bit of.

490
00:20:32,920 --> 00:20:33,720
Speaker 2: A like tutorial.

491
00:20:33,880 --> 00:20:36,600
Speaker 4: How do we also have that audacity because right now

492
00:20:36,640 --> 00:20:40,080
Speaker 4: I feel really uncomfortable and we shouldn't feel uncomfortable.

493
00:20:39,520 --> 00:20:42,760
Speaker 2: So please share. But let's go to a really quick break.

494
00:20:42,840 --> 00:20:45,240
Speaker 4: Maybe we can get a cookie, and after the break

495
00:20:45,240 --> 00:20:47,000
Speaker 4: we're going to be talking about how do you ask

496
00:20:47,040 --> 00:20:50,640
Speaker 4: your partner to make super contributions during your parental leave

497
00:20:50,880 --> 00:20:52,960
Speaker 4: and we're going to unpack something you slid into our

498
00:20:53,000 --> 00:20:53,840
Speaker 4: DMS about guys.

499
00:20:53,840 --> 00:20:56,960
Speaker 2: I'm excited about this one. It's about a potentially deceptive

500
00:20:57,000 --> 00:21:07,119
Speaker 2: friend and are missing summer cash. Don't go anywhere. Welcome back, everybody.

501
00:21:07,240 --> 00:21:11,640
Speaker 6: Let's take a listen to this week's money dilemma.

502
00:21:11,880 --> 00:21:12,040
Speaker 4: Hi.

503
00:21:12,160 --> 00:21:14,879
Speaker 7: There, have you got a money dilemma you just can't solve?

504
00:21:15,080 --> 00:21:17,240
Speaker 7: The She's on the Money team is here to help.

505
00:21:17,600 --> 00:21:20,600
Speaker 7: Every week we tackle your dilemmas, both big and small,

506
00:21:20,640 --> 00:21:22,640
Speaker 7: to answer your most burning money.

507
00:21:22,359 --> 00:21:23,760
Speaker 2: Career and life questions.

508
00:21:23,960 --> 00:21:26,440
Speaker 7: To get involved, simply head to our website and leave

509
00:21:26,520 --> 00:21:28,640
Speaker 7: us a short voice recording and you might just find

510
00:21:28,640 --> 00:21:29,639
Speaker 7: yourself on the show.

511
00:21:30,000 --> 00:21:32,640
Speaker 2: Now, let's take a listen to this week's money dilemma.

512
00:21:35,800 --> 00:21:39,800
Speaker 8: Hi, guys, absolutely love the podcast. My question is around.

513
00:21:39,840 --> 00:21:43,520
Speaker 8: You've mentioned a few times your husband or partner contributing

514
00:21:43,680 --> 00:21:47,159
Speaker 8: to your super while you know off having a child.

515
00:21:47,800 --> 00:21:51,640
Speaker 8: So to give you some context, I earn significantly more

516
00:21:51,640 --> 00:21:53,520
Speaker 8: than my husband. I'm on one hundred and twenty five

517
00:21:53,600 --> 00:21:57,160
Speaker 8: thousand and he's one fifty five thousand. In our everyday life,

518
00:21:57,200 --> 00:22:00,440
Speaker 8: this work's fine. We split everything five percentage of out come.

519
00:22:01,280 --> 00:22:03,240
Speaker 8: I just don't even know how to consider the super

520
00:22:03,280 --> 00:22:07,280
Speaker 8: topic while off having a baby, and I'm frustrated a

521
00:22:07,359 --> 00:22:10,840
Speaker 8: system that is making it complex for me to be

522
00:22:11,480 --> 00:22:14,960
Speaker 8: the high income earner and then also to have a

523
00:22:15,080 --> 00:22:17,600
Speaker 8: child the way I would like to take the time

524
00:22:17,640 --> 00:22:19,119
Speaker 8: off and those sort of things.

525
00:22:19,320 --> 00:22:19,800
Speaker 1: Thank you.

526
00:22:20,200 --> 00:22:23,440
Speaker 4: I find this a really interesting one because usually you're

527
00:22:23,560 --> 00:22:27,720
Speaker 4: asking for superannuation contributions because you're going to be significantly

528
00:22:27,840 --> 00:22:31,880
Speaker 4: behind when you return to the workforce. And obviously, let's

529
00:22:31,880 --> 00:22:33,760
Speaker 4: pretend you're taking twelve months, because I feel like that

530
00:22:33,800 --> 00:22:35,560
Speaker 4: seems to be the average amount of time in in

531
00:22:35,640 --> 00:22:38,080
Speaker 4: my friendship group, So that kind of makes most sense

532
00:22:38,119 --> 00:22:39,359
Speaker 4: to me to use as an example.

533
00:22:39,359 --> 00:22:40,160
Speaker 2: And she didn't tell us.

534
00:22:40,560 --> 00:22:43,040
Speaker 4: But at the end of the day, I want your

535
00:22:43,119 --> 00:22:46,960
Speaker 4: partner and you to have this conversation about contributing to

536
00:22:47,000 --> 00:22:51,320
Speaker 4: superannuation while you're on parental leave, because I don't want you, individually,

537
00:22:51,400 --> 00:22:54,320
Speaker 4: or anyone at all to be going back into the

538
00:22:54,320 --> 00:22:58,280
Speaker 4: workforce and having a twelve month period when no contributions

539
00:22:58,280 --> 00:23:01,600
Speaker 4: are made at all. Now, if you treat everything as

540
00:23:01,680 --> 00:23:04,480
Speaker 4: kind of equal, well it wouldn't be a Now, beck

541
00:23:04,640 --> 00:23:07,040
Speaker 4: you have to pay for my super contributions.

542
00:23:07,080 --> 00:23:09,680
Speaker 2: The conversation from my perspective, would.

543
00:23:09,480 --> 00:23:12,600
Speaker 4: Be more around how are we as a couple who

544
00:23:12,680 --> 00:23:15,080
Speaker 4: now have a limited budget, going to make sure that

545
00:23:15,160 --> 00:23:18,320
Speaker 4: I don't miss out financially for my super because at

546
00:23:18,359 --> 00:23:20,080
Speaker 4: the end of the day, it's not just about you,

547
00:23:20,160 --> 00:23:22,240
Speaker 4: it's about you and your partner. They're going to miss

548
00:23:22,240 --> 00:23:24,879
Speaker 4: out too, because if you you know, in a happy,

549
00:23:25,080 --> 00:23:27,920
Speaker 4: go lucky world, you stay together forever and it's all

550
00:23:27,960 --> 00:23:31,680
Speaker 4: sunshine and roses. Well, that super contribution decision that we're

551
00:23:31,680 --> 00:23:34,080
Speaker 4: making today will put you both ahead in retirement.

552
00:23:34,760 --> 00:23:37,600
Speaker 2: If something happens in your relationship, at least.

553
00:23:37,480 --> 00:23:40,760
Speaker 4: You haven't fallen behind because of the parenting decisions that

554
00:23:40,800 --> 00:23:43,359
Speaker 4: you made you at the time, made because they were

555
00:23:43,400 --> 00:23:46,200
Speaker 4: best for your family. So it's all about making sure

556
00:23:46,240 --> 00:23:50,800
Speaker 4: that we are financially stable. So the contribution isn't about going, oh,

557
00:23:50,840 --> 00:23:53,479
Speaker 4: my spouse has to make that from his pay. It

558
00:23:53,520 --> 00:23:56,320
Speaker 4: could actually come out of your parental leave pay, it

559
00:23:56,359 --> 00:23:58,520
Speaker 4: could come from some savings, it could.

560
00:23:58,400 --> 00:24:01,480
Speaker 2: Come from anywhere. There are some benefits to it.

561
00:24:01,520 --> 00:24:04,160
Speaker 4: So if your partner is earning less than you, what

562
00:24:04,200 --> 00:24:06,919
Speaker 4: you can do is a spouse super contribution. It's a

563
00:24:07,000 --> 00:24:11,600
Speaker 4: voluntary after tax contribution into the superfund of your choice obviously,

564
00:24:11,640 --> 00:24:14,399
Speaker 4: but the person making the payments, So your husband in

565
00:24:14,400 --> 00:24:18,000
Speaker 4: this circumstance could make the contribution and like do the transfer,

566
00:24:18,359 --> 00:24:21,639
Speaker 4: but they can actually benefit from a tax offset of

567
00:24:21,760 --> 00:24:25,160
Speaker 4: up to eighteen percent for contributions of up to three

568
00:24:25,240 --> 00:24:25,960
Speaker 4: grand a year.

569
00:24:26,280 --> 00:24:28,320
Speaker 2: So that's a money win. If we look at.

570
00:24:28,280 --> 00:24:31,199
Speaker 4: You, know, you just do some basic maths, your usual

571
00:24:31,280 --> 00:24:35,080
Speaker 4: tax rate and because what our friend wrote in is

572
00:24:35,119 --> 00:24:38,840
Speaker 4: thirty two and a half cents in the dollar inside superannuation,

573
00:24:39,080 --> 00:24:42,720
Speaker 4: the average tax rate is fifteen cents, so that's obviously

574
00:24:42,840 --> 00:24:45,520
Speaker 4: very sexy. And what usually happens is if you make

575
00:24:45,560 --> 00:24:49,560
Speaker 4: a co contribution or an after tax contribution to superannuation,

576
00:24:50,080 --> 00:24:54,320
Speaker 4: come tax time, the ato go, ah, you paid thirty

577
00:24:54,320 --> 00:24:56,600
Speaker 4: two and a half cents on the money that you

578
00:24:56,640 --> 00:24:58,360
Speaker 4: put in. Let me give you a refund of that

579
00:24:58,400 --> 00:25:01,359
Speaker 4: fifteen cents in a dollar to make sure that you're okay.

580
00:25:01,560 --> 00:25:04,200
Speaker 4: But they're giving you a little bonus now it's eighteen

581
00:25:04,960 --> 00:25:07,400
Speaker 4: so there's like a little bit of a money catch there,

582
00:25:07,440 --> 00:25:10,119
Speaker 4: which is very nice and obviously a way to I

583
00:25:10,119 --> 00:25:11,720
Speaker 4: guess encourage you to.

584
00:25:11,720 --> 00:25:13,040
Speaker 2: Make these contributions.

585
00:25:13,080 --> 00:25:15,320
Speaker 4: But when it comes to who should be paying it,

586
00:25:15,320 --> 00:25:19,000
Speaker 4: it's not actually going hey, husband, you have to it's Hey,

587
00:25:19,080 --> 00:25:22,240
Speaker 4: our family budget looks like this, and superannuation and my

588
00:25:22,320 --> 00:25:24,879
Speaker 4: retirement and financial freedom is really important to me.

589
00:25:25,160 --> 00:25:27,200
Speaker 2: How are we making sure that I'm not missing.

590
00:25:26,960 --> 00:25:30,840
Speaker 4: A year in the market, because compound interest is incredibly

591
00:25:30,920 --> 00:25:35,040
Speaker 4: powerful and missing a year actually does put you back significantly.

592
00:25:36,520 --> 00:25:37,480
Speaker 2: What do you reckon, Jess?

593
00:25:37,520 --> 00:25:40,159
Speaker 4: How would you approach this conversation, because as we all know,

594
00:25:40,240 --> 00:25:42,480
Speaker 4: you're the big dog in the relationship at this point

595
00:25:42,480 --> 00:25:42,840
Speaker 4: in time.

596
00:25:43,000 --> 00:25:46,159
Speaker 6: Yeah, I feel like maybe fifty thousand if you're going

597
00:25:46,200 --> 00:25:48,400
Speaker 6: to be living just on that salary, and then obviously

598
00:25:48,440 --> 00:25:51,480
Speaker 6: whatever parental leave you're entitled.

599
00:25:51,080 --> 00:25:53,600
Speaker 2: To, it's not a lot of money to stretch.

600
00:25:53,640 --> 00:25:55,879
Speaker 6: So I feel like potentially maybe saying, hey, like I

601
00:25:55,880 --> 00:25:58,720
Speaker 6: don't expect my super contributions to be at where they

602
00:25:58,760 --> 00:26:01,639
Speaker 6: are because eleven percent, and of course one hundred and

603
00:26:01,680 --> 00:26:04,919
Speaker 6: twenty five thousand is significantly more than you know, eleven

604
00:26:04,960 --> 00:26:06,280
Speaker 6: percent of what your part would be earning it at

605
00:26:06,280 --> 00:26:09,600
Speaker 6: fifty thousand, So maybe go Okay, well at a minimum

606
00:26:09,680 --> 00:26:12,760
Speaker 6: wage point, because that's how the government calculates parental leave.

607
00:26:12,840 --> 00:26:14,960
Speaker 6: I think like it's based off of the minimum wage.

608
00:26:14,960 --> 00:26:18,080
Speaker 6: Maybe you contribute to your super as if you're earning

609
00:26:18,160 --> 00:26:20,800
Speaker 6: minimum wage instead, as your money is still going in,

610
00:26:21,080 --> 00:26:23,680
Speaker 6: maybe it's a little bit more attainable within the means

611
00:26:23,720 --> 00:26:26,080
Speaker 6: of you know, the salary that you're living off of,

612
00:26:26,160 --> 00:26:28,399
Speaker 6: but contributions are still being made, like it's not as

613
00:26:28,440 --> 00:26:30,080
Speaker 6: if no money is being put in, so you are

614
00:26:30,160 --> 00:26:33,399
Speaker 6: still taking advantage of compound interest. And that's kind of

615
00:26:33,760 --> 00:26:35,440
Speaker 6: a middle ground because I can see how for the

616
00:26:35,480 --> 00:26:37,959
Speaker 6: partner that might be stressful and for you as well

617
00:26:38,000 --> 00:26:39,639
Speaker 6: if you're trying to live off this one wage and

618
00:26:39,680 --> 00:26:41,240
Speaker 6: you're just trying to pay your bills and pay for

619
00:26:41,280 --> 00:26:44,480
Speaker 6: all of the newborn expenses and then contributing that touperanuation

620
00:26:44,600 --> 00:26:47,760
Speaker 6: at such a high amount could maybe feel like a stretch.

621
00:26:47,840 --> 00:26:50,399
Speaker 6: So maybe it's approaching it and saying, hey, can we

622
00:26:50,520 --> 00:26:53,560
Speaker 6: find a rate that does fit within our budget that

623
00:26:53,600 --> 00:26:55,960
Speaker 6: we can contribute, and you know, if we need to

624
00:26:55,960 --> 00:26:58,240
Speaker 6: make some other sacrifices to make that work, that's what

625
00:26:58,320 --> 00:27:00,840
Speaker 6: we do, because it's a small amount to be living

626
00:27:00,840 --> 00:27:03,520
Speaker 6: a love as a family of three. But I think

627
00:27:03,560 --> 00:27:06,840
Speaker 6: you're totally right like explaining why it's important as well,

628
00:27:06,880 --> 00:27:07,720
Speaker 6: because I think.

629
00:27:08,600 --> 00:27:11,040
Speaker 2: Men, particularly but people.

630
00:27:10,800 --> 00:27:12,639
Speaker 6: Generally, like I've had this conversation with my friends and

631
00:27:12,640 --> 00:27:14,399
Speaker 6: a lot of them had never thought about it either.

632
00:27:14,880 --> 00:27:16,520
Speaker 6: You don't really think about the superat and you don't

633
00:27:16,560 --> 00:27:19,120
Speaker 6: think about the fact that if you aren't contributing while

634
00:27:19,160 --> 00:27:22,800
Speaker 6: you're on parental leave, that that has a really significant

635
00:27:22,800 --> 00:27:24,840
Speaker 6: impact on you down the tracks. Even running the numbers

636
00:27:24,880 --> 00:27:27,359
Speaker 6: and being like, hey, like I miss out on five

637
00:27:27,400 --> 00:27:29,399
Speaker 6: thousand dollars over the course of the year, and in

638
00:27:29,520 --> 00:27:31,760
Speaker 6: thirty years that five thousand dollars could have been x,

639
00:27:31,960 --> 00:27:34,000
Speaker 6: you know, So explaining the numbers to them, I think,

640
00:27:34,080 --> 00:27:37,360
Speaker 6: and showing them the why and what it means, and

641
00:27:37,720 --> 00:27:40,120
Speaker 6: I suppose not making it seem as that you're just saying, oh,

642
00:27:40,359 --> 00:27:42,560
Speaker 6: I want money because that's what I always have. Because

643
00:27:42,600 --> 00:27:45,200
Speaker 6: I think if you approach the conversation with someone who's

644
00:27:45,200 --> 00:27:46,680
Speaker 6: never thought about it, they might just be a bit

645
00:27:46,680 --> 00:27:50,440
Speaker 6: taken aback from a lack of understanding. So educating them

646
00:27:50,840 --> 00:27:52,800
Speaker 6: might be really helpful in having that conversation and being

647
00:27:52,840 --> 00:27:54,840
Speaker 6: flexible in the amount I feel like is maybe the

648
00:27:54,840 --> 00:27:55,800
Speaker 6: best way to make it work.

649
00:27:55,960 --> 00:27:56,439
Speaker 2: I agree.

650
00:27:56,680 --> 00:27:59,480
Speaker 4: I think it's so important to talk about it as well,

651
00:28:00,040 --> 00:28:03,040
Speaker 4: and maybe not just go, oh, the only way is

652
00:28:03,080 --> 00:28:05,760
Speaker 4: for my partner to contribute, because there are a number

653
00:28:05,800 --> 00:28:08,320
Speaker 4: of different super strategies you could implement, right, Like, you

654
00:28:08,400 --> 00:28:10,360
Speaker 4: could do a number of things. So I have had

655
00:28:10,400 --> 00:28:13,280
Speaker 4: clients historically go, oh, in the next couple of years,

656
00:28:13,320 --> 00:28:14,879
Speaker 4: I think I'm going to take leaves. So what I'm

657
00:28:14,920 --> 00:28:17,159
Speaker 4: going to do is bump up my super contributions by

658
00:28:17,200 --> 00:28:20,320
Speaker 4: two percent. And they've calculated that all out, so that

659
00:28:20,440 --> 00:28:22,000
Speaker 4: puts them a year ahead.

660
00:28:21,720 --> 00:28:23,760
Speaker 2: So they don't even have to have that conversation with

661
00:28:23,800 --> 00:28:24,360
Speaker 2: their partner.

662
00:28:24,680 --> 00:28:29,160
Speaker 4: Because parental leave is stressful, Like it's not something that.

663
00:28:29,240 --> 00:28:31,360
Speaker 2: Is you know, all sunshine and roses.

664
00:28:31,359 --> 00:28:33,000
Speaker 4: Like my husband and I are going through this like

665
00:28:33,080 --> 00:28:35,720
Speaker 4: planning stage at the moment where we go, okay, he

666
00:28:35,800 --> 00:28:39,360
Speaker 4: gets three months at his full time salary, right, so

667
00:28:39,400 --> 00:28:41,760
Speaker 4: we are currently trying to work out our budget for

668
00:28:41,880 --> 00:28:42,560
Speaker 4: him to take.

669
00:28:42,440 --> 00:28:43,880
Speaker 2: Six months at half pay.

670
00:28:44,080 --> 00:28:46,360
Speaker 4: Sure, but it's all about doing the maths and the

671
00:28:46,440 --> 00:28:48,440
Speaker 4: numbers and working it all out. I'm sure that if

672
00:28:48,440 --> 00:28:51,000
Speaker 4: you're in this circumstance, you're doing it too. But there's

673
00:28:51,040 --> 00:28:53,880
Speaker 4: a number of different strategies you can implement, So I

674
00:28:53,920 --> 00:28:56,240
Speaker 4: guess let's contextualize this too.

675
00:28:56,360 --> 00:28:58,360
Speaker 2: So research tells us that.

676
00:28:58,360 --> 00:29:02,960
Speaker 4: Two children could to one hundred thousand dollars in lost super.

677
00:29:03,440 --> 00:29:04,360
Speaker 2: So obviously we.

678
00:29:04,400 --> 00:29:07,720
Speaker 4: Have paid parental leave and all of these fun fancy things,

679
00:29:07,720 --> 00:29:10,680
Speaker 4: but not many of them include superannuation. And that's because

680
00:29:10,840 --> 00:29:13,840
Speaker 4: employers are not obligated to make super contributions while you're

681
00:29:13,880 --> 00:29:16,600
Speaker 4: on parental leave, which is great. One thing I think

682
00:29:16,640 --> 00:29:19,400
Speaker 4: that employers could be doing is going, you know what, Jess,

683
00:29:19,600 --> 00:29:21,440
Speaker 4: we are a small business. We might not be able

684
00:29:21,440 --> 00:29:23,440
Speaker 4: to pay you full time for that period of time,

685
00:29:23,480 --> 00:29:25,480
Speaker 4: but how about we do the government thing and your

686
00:29:25,520 --> 00:29:29,440
Speaker 4: super and then everybody is in a better position financially.

687
00:29:29,960 --> 00:29:32,400
Speaker 4: You can actually call your super fund as well and

688
00:29:32,480 --> 00:29:34,480
Speaker 4: let them know that you're going on parental leave, and

689
00:29:34,520 --> 00:29:36,600
Speaker 4: a lot of them will actually wave fees for that

690
00:29:36,680 --> 00:29:40,320
Speaker 4: period of time. So they'll waive fees on your insurances

691
00:29:40,400 --> 00:29:42,680
Speaker 4: because during that period of time you're not going to

692
00:29:42,680 --> 00:29:45,760
Speaker 4: be able to get income protection because you're on parental

693
00:29:45,840 --> 00:29:48,480
Speaker 4: leave and you don't have income, so they might wave

694
00:29:48,560 --> 00:29:51,080
Speaker 4: those fees. They might also be really kind and wave

695
00:29:51,120 --> 00:29:54,680
Speaker 4: your super fees. Like the ADMIN stuff again goes back

696
00:29:54,680 --> 00:29:57,200
Speaker 4: to you, Beck. What you're saying before got to have

697
00:29:57,280 --> 00:29:59,520
Speaker 4: a little bit of an audacity. What kind of deal

698
00:29:59,560 --> 00:30:02,240
Speaker 4: can you cut here? But the end of the day,

699
00:30:02,360 --> 00:30:04,760
Speaker 4: like lost super during parental leave.

700
00:30:04,920 --> 00:30:09,480
Speaker 2: I looked this up before. Analysis by Industry Super Australia shows.

701
00:30:09,200 --> 00:30:11,680
Speaker 4: A woman who spends five years out of the paid

702
00:30:11,680 --> 00:30:15,800
Speaker 4: workforce in her late twenties to early thirties could be

703
00:30:15,920 --> 00:30:18,720
Speaker 4: almost one hundred thousand dollars worse off in retirement and

704
00:30:18,800 --> 00:30:22,120
Speaker 4: that's a lot of money totally, so it's definitely ask

705
00:30:22,200 --> 00:30:24,920
Speaker 4: your partner what about co contributions? Can we afford this?

706
00:30:25,160 --> 00:30:28,920
Speaker 4: Can yours partner split their super so like, instead of

707
00:30:28,920 --> 00:30:31,160
Speaker 4: them getting their full super, can you have half of

708
00:30:31,200 --> 00:30:33,720
Speaker 4: it for that period of time so that you're both

709
00:30:33,760 --> 00:30:36,960
Speaker 4: on an equal playing field. Can you contribute in the

710
00:30:37,040 --> 00:30:39,480
Speaker 4: lead up to having children when you get back to

711
00:30:39,560 --> 00:30:42,400
Speaker 4: work if you didn't have any ability to contribute to super,

712
00:30:42,440 --> 00:30:44,840
Speaker 4: don't worry, guys, we're in a cost of living crisis.

713
00:30:44,880 --> 00:30:45,719
Speaker 2: I totally get it.

714
00:30:45,880 --> 00:30:47,640
Speaker 4: But could you bump it back up once you get

715
00:30:47,680 --> 00:30:50,000
Speaker 4: back to work to kind of get back to where you.

716
00:30:49,960 --> 00:30:50,480
Speaker 2: Needed to be?

717
00:30:50,600 --> 00:30:52,680
Speaker 4: And the other thing here is if we're caring so

718
00:30:52,760 --> 00:30:56,600
Speaker 4: much about SUPER contributions, have you reviewed your SUPER recently?

719
00:30:57,280 --> 00:31:00,760
Speaker 4: Is it the right fund for you to even during

720
00:31:00,800 --> 00:31:02,000
Speaker 4: this period of time?

721
00:31:02,560 --> 00:31:03,920
Speaker 2: And they performing well?

722
00:31:04,000 --> 00:31:07,120
Speaker 4: Like, it's not just about fees it's about fees, performance, structure,

723
00:31:07,200 --> 00:31:09,760
Speaker 4: your ethics, all of those things. And if you haven't

724
00:31:09,800 --> 00:31:12,480
Speaker 4: reviewed your super recently, now is the time because all

725
00:31:12,520 --> 00:31:14,640
Speaker 4: of this is wasted if you're not getting it back

726
00:31:14,720 --> 00:31:18,120
Speaker 4: on performance. So obviously this is a subtle shout out

727
00:31:18,120 --> 00:31:20,560
Speaker 4: as well to our friends at sky Wealth. They can

728
00:31:20,600 --> 00:31:22,240
Speaker 4: fix all of that for you, and we'll put their

729
00:31:22,240 --> 00:31:24,320
Speaker 4: info in the show notes. But it's one of those

730
00:31:24,360 --> 00:31:26,600
Speaker 4: things that you just go make sure that you've got

731
00:31:26,640 --> 00:31:27,480
Speaker 4: your ducks in a row.

732
00:31:27,520 --> 00:31:29,400
Speaker 2: But also their house is quite sturdy.

733
00:31:29,600 --> 00:31:32,400
Speaker 5: That's so true. And I mean, I have a lot

734
00:31:32,480 --> 00:31:34,600
Speaker 5: to add here, but I'm just gonna say there's a

735
00:31:34,720 --> 00:31:40,000
Speaker 5: lovely government organization women in super trying to bridge that gender.

736
00:31:40,000 --> 00:31:43,000
Speaker 2: Super gap, So you know they're cool.

737
00:31:43,320 --> 00:31:45,880
Speaker 5: Other than that, really, that's all from me. You guys

738
00:31:45,920 --> 00:31:47,800
Speaker 5: have fantastic advice.

739
00:31:48,080 --> 00:31:48,880
Speaker 2: We try a hardest.

740
00:31:49,280 --> 00:31:52,239
Speaker 4: Yeah, exactly what talking about it almost like I used

741
00:31:52,240 --> 00:31:53,480
Speaker 4: to be a financial advisor.

742
00:31:53,600 --> 00:31:55,240
Speaker 5: Yeah, you kind of seem like you used to feel

743
00:31:56,120 --> 00:31:56,880
Speaker 5: it's a bit weird.

744
00:31:56,920 --> 00:31:57,640
Speaker 2: It's a bit weird.

745
00:31:57,840 --> 00:32:00,320
Speaker 4: Let's move on though, because I have in trump at

746
00:32:00,360 --> 00:32:02,760
Speaker 4: that bit to get to this DM this week, because

747
00:32:03,280 --> 00:32:05,080
Speaker 4: when I baited it before and I was like a

748
00:32:05,120 --> 00:32:08,560
Speaker 4: potentially deceptive friend and are missing some of cash.

749
00:32:08,600 --> 00:32:11,280
Speaker 2: Surely you guys were also like, please let us add it.

750
00:32:11,440 --> 00:32:14,280
Speaker 2: We're dying. We're dying, all right. So are you ready

751
00:32:14,360 --> 00:32:16,800
Speaker 2: for the DM of the week? So ready? Here is

752
00:32:16,840 --> 00:32:19,840
Speaker 2: what we received. Girls. I'm going to need your thoughts

753
00:32:19,880 --> 00:32:20,200
Speaker 2: on this.

754
00:32:20,600 --> 00:32:23,280
Speaker 4: I was having issues with my card to pay for things,

755
00:32:23,320 --> 00:32:25,440
Speaker 4: and I needed to pay for a bunch of bills

756
00:32:25,600 --> 00:32:27,640
Speaker 4: as soon as possible, so I sent.

757
00:32:27,520 --> 00:32:28,440
Speaker 2: My friend some money.

758
00:32:28,520 --> 00:32:30,760
Speaker 4: It was around three hundred dollars and asked if she

759
00:32:30,760 --> 00:32:34,080
Speaker 4: could try paying them using her card because mine wasn't working.

760
00:32:34,440 --> 00:32:38,600
Speaker 4: She happily accepted me transferring her the money, but said

761
00:32:38,640 --> 00:32:41,040
Speaker 4: when she tried to pay the bills, it also didn't work.

762
00:32:41,760 --> 00:32:43,960
Speaker 4: So I asked her to transfer the cash back, and

763
00:32:44,240 --> 00:32:47,000
Speaker 4: that was over a week ago. She says she's already

764
00:32:47,040 --> 00:32:49,200
Speaker 4: sent it back and I should contact the bank because

765
00:32:49,240 --> 00:32:53,200
Speaker 4: there isn't anything else she can do. However, we've transferred

766
00:32:53,200 --> 00:32:56,680
Speaker 4: money between each other before and it happens instantly.

767
00:32:56,720 --> 00:32:58,880
Speaker 2: At the moment, I don't know what to think.

768
00:32:58,960 --> 00:33:01,560
Speaker 4: I trust her, That's why I sent her the money

769
00:33:01,600 --> 00:33:04,600
Speaker 4: in the first place, to help me, but I'm starting

770
00:33:04,640 --> 00:33:07,120
Speaker 4: to become sus on if she really sent it, but

771
00:33:07,200 --> 00:33:08,680
Speaker 4: I can't accuse her of this.

772
00:33:09,080 --> 00:33:10,400
Speaker 2: Do you think I could ask her.

773
00:33:10,240 --> 00:33:12,720
Speaker 4: To send her own money in the meantime until we

774
00:33:12,760 --> 00:33:15,720
Speaker 4: figure out where my money went. I desperately need that

775
00:33:15,800 --> 00:33:18,240
Speaker 4: money to pay my bills, which still aren't paid.

776
00:33:18,480 --> 00:33:20,640
Speaker 2: How would you handle these girls?

777
00:33:21,040 --> 00:33:23,960
Speaker 5: Oh? This is so tricky. The whole time, I'm thinking, like,

778
00:33:24,200 --> 00:33:26,440
Speaker 5: can she not send a screenshot of the transfer?

779
00:33:26,560 --> 00:33:28,160
Speaker 2: You know what I mean? But that's what I'd be

780
00:33:28,200 --> 00:33:30,000
Speaker 2: asking for. I'd be like, oh my god, I'll call

781
00:33:30,040 --> 00:33:32,080
Speaker 2: the bank. Can you please tell me what the reference

782
00:33:32,160 --> 00:33:32,640
Speaker 2: number was?

783
00:33:32,760 --> 00:33:33,200
Speaker 4: Yeah?

784
00:33:33,240 --> 00:33:35,600
Speaker 5: And also like it is scary because you're like, maybe

785
00:33:35,640 --> 00:33:38,880
Speaker 5: you sent it to a different person whose name looked

786
00:33:38,880 --> 00:33:41,480
Speaker 5: similar to mine, you weren't really paying attention, Like they're

787
00:33:41,520 --> 00:33:45,080
Speaker 5: just just I would just desperately want a screenshot, which

788
00:33:45,120 --> 00:33:46,800
Speaker 5: I know is also bad because it like kind of,

789
00:33:47,240 --> 00:33:49,560
Speaker 5: you know, suggests you don't trust that they sent it

790
00:33:49,680 --> 00:33:50,080
Speaker 5: or something.

791
00:33:50,120 --> 00:33:52,640
Speaker 4: But I think so I have literally sent money to

792
00:33:52,680 --> 00:33:56,440
Speaker 4: the wrong person before, haven't I jestedly when I say

793
00:33:56,480 --> 00:33:58,400
Speaker 4: that it was just sending my money to one of

794
00:33:58,440 --> 00:34:01,520
Speaker 4: my friends instead of a supply, it was.

795
00:34:01,520 --> 00:34:04,040
Speaker 2: A lot of money. Oh I see, not a good time.

796
00:34:04,320 --> 00:34:06,800
Speaker 4: And you know what shout out to Haley Short. I

797
00:34:06,840 --> 00:34:10,000
Speaker 4: know she listens to this podcast. She called me immediately and.

798
00:34:10,000 --> 00:34:12,319
Speaker 2: Was like, I don't think you meant to do this.

799
00:34:12,360 --> 00:34:14,800
Speaker 4: Can you please come and take it back asab And

800
00:34:14,840 --> 00:34:17,240
Speaker 4: I was like, yeah, I'm so sorry.

801
00:34:17,440 --> 00:34:18,760
Speaker 2: Thanks. That's really nice.

802
00:34:19,440 --> 00:34:22,280
Speaker 4: Yeah, because she's a wholesome human being. But it doesn't

803
00:34:22,320 --> 00:34:23,319
Speaker 4: sound like your friend is one.

804
00:34:23,440 --> 00:34:24,200
Speaker 2: So what do we do?

805
00:34:24,840 --> 00:34:27,239
Speaker 5: I guess. I guess also like, if you have that

806
00:34:27,280 --> 00:34:29,200
Speaker 5: relationship where you can borrow money from each other and

807
00:34:29,200 --> 00:34:31,080
Speaker 5: stuff like that, because it seems like you've transferred money

808
00:34:31,080 --> 00:34:33,520
Speaker 5: from the past, maybe you can ask to borrow the

809
00:34:33,520 --> 00:34:35,920
Speaker 5: three hundred dollars. And then I really don't know. I

810
00:34:35,920 --> 00:34:38,000
Speaker 5: guess you just need proof, is all I'm thinking.

811
00:34:38,200 --> 00:34:41,960
Speaker 6: Yeah, I feel like you've got to like, if she

812
00:34:42,000 --> 00:34:44,680
Speaker 6: hasn't done anything wrong, benefit of the doubt, and she's

813
00:34:44,760 --> 00:34:46,480
Speaker 6: just like, I don't know, like I sent the money,

814
00:34:46,960 --> 00:34:49,640
Speaker 6: there shouldn't be any issue with her sending the screenshot.

815
00:34:49,680 --> 00:34:52,120
Speaker 6: I feel like maybe rather than sending the screenshop get

816
00:34:52,120 --> 00:34:55,240
Speaker 6: together and say, hey, you know, I've spoken to my bank.

817
00:34:55,280 --> 00:34:57,279
Speaker 6: They need the reference number to be able to look

818
00:34:57,360 --> 00:34:59,879
Speaker 6: into it. Can you just put up on your phone

819
00:34:59,880 --> 00:35:02,239
Speaker 6: and and if she goes for whatever reason, she can't

820
00:35:02,280 --> 00:35:05,960
Speaker 6: say no dramas, let's try calling your bank, because we'll

821
00:35:05,960 --> 00:35:08,200
Speaker 6: need to verify your identity to get that information. I

822
00:35:08,200 --> 00:35:10,560
Speaker 6: can't call your bank and get that info for you.

823
00:35:10,600 --> 00:35:12,319
Speaker 6: Can we just give them a buzz now and be

824
00:35:12,360 --> 00:35:14,760
Speaker 6: honest and say, I just I really need it sorted,

825
00:35:14,960 --> 00:35:17,479
Speaker 6: because I, like, I have bills to pay.

826
00:35:17,680 --> 00:35:18,920
Speaker 2: I so agree with that.

827
00:35:19,160 --> 00:35:21,560
Speaker 4: I would just operate under the assumption that she has

828
00:35:21,600 --> 00:35:24,080
Speaker 4: not lied to you, because it's going to come out

829
00:35:24,120 --> 00:35:27,919
Speaker 4: in the wash like it's now, I guess twenty twenty three,

830
00:35:28,040 --> 00:35:32,080
Speaker 4: and everything is electronically documented. So I would do exactly

831
00:35:32,080 --> 00:35:34,200
Speaker 4: what Jess said and go, hey, can you send me

832
00:35:34,239 --> 00:35:36,040
Speaker 4: the reference number. I'm going to call my bank and

833
00:35:36,080 --> 00:35:38,600
Speaker 4: just have them follow up on it and maybe put

834
00:35:38,640 --> 00:35:40,239
Speaker 4: a little bit of the fear of God into her.

835
00:35:40,280 --> 00:35:42,120
Speaker 4: And you're like, oh, if you can't find that, maybe

836
00:35:42,160 --> 00:35:44,279
Speaker 4: we should really like flag your bank and my bank

837
00:35:44,320 --> 00:35:47,320
Speaker 4: for for aud Like, yeah, what's happened? Where has it gone?

838
00:35:47,560 --> 00:35:50,400
Speaker 4: Like my bank has confirmed it went to your bank.

839
00:35:50,520 --> 00:35:51,759
Speaker 4: What does this look like?

840
00:35:52,000 --> 00:35:52,080
Speaker 8: Ye?

841
00:35:52,280 --> 00:35:54,279
Speaker 4: Because essentially your friend's going to be backed into a

842
00:35:54,280 --> 00:35:56,080
Speaker 4: corner because the bank's going to go no, no, no, we

843
00:35:56,160 --> 00:36:00,640
Speaker 4: can see it got put into this account number this BSB. Hey,

844
00:36:00,760 --> 00:36:02,920
Speaker 4: we've done what you told us to do. Yeah, And

845
00:36:02,960 --> 00:36:05,600
Speaker 4: then from the flip side, you're right, go all right, Well.

846
00:36:05,440 --> 00:36:06,520
Speaker 2: When can I come over and we.

847
00:36:06,480 --> 00:36:09,280
Speaker 4: Can call your bank and like we can have a chat,

848
00:36:09,320 --> 00:36:11,160
Speaker 4: Like we can both be on the phone, because I

849
00:36:11,200 --> 00:36:14,440
Speaker 4: promise the money will probably be found very quickly or

850
00:36:14,520 --> 00:36:17,960
Speaker 4: you'll honestly brutal, you'll lose a friend really quickly.

851
00:36:18,120 --> 00:36:21,040
Speaker 6: Yeah, I mean the chance if it's always instant normally,

852
00:36:21,120 --> 00:36:24,480
Speaker 6: the chances of it taking with OSCO, if you've transferred,

853
00:36:24,560 --> 00:36:28,279
Speaker 6: it should be instantaneous, yes, And like I understand that

854
00:36:28,360 --> 00:36:31,000
Speaker 6: sometimes there can be like very short delays with processing

855
00:36:31,080 --> 00:36:33,480
Speaker 6: or whatever, but not over the course of a week,

856
00:36:33,680 --> 00:36:34,319
Speaker 6: I wouldn't think.

857
00:36:34,400 --> 00:36:37,319
Speaker 4: Yeah, And you always get people communicating with you as

858
00:36:37,320 --> 00:36:40,160
Speaker 4: well from the bank. So I have had, you know,

859
00:36:40,280 --> 00:36:44,319
Speaker 4: times where I've transferred money to a new person. I've

860
00:36:44,360 --> 00:36:46,640
Speaker 4: never had an issue with old So like I have

861
00:36:46,880 --> 00:36:49,440
Speaker 4: like everybody you know in my payroll, in everyone that

862
00:36:49,480 --> 00:36:52,440
Speaker 4: I send money to saved, and I feel like I

863
00:36:52,520 --> 00:36:55,600
Speaker 4: don't even get the security code text message anymore. They're

864
00:36:55,640 --> 00:36:57,880
Speaker 4: just like, oh, chuck your banking password in and you

865
00:36:57,880 --> 00:37:01,120
Speaker 4: can transfer it. Because this is a trusted trendransfer, but

866
00:37:01,239 --> 00:37:04,560
Speaker 4: if it's new, they actually will message you and be like, oh,

867
00:37:04,600 --> 00:37:06,799
Speaker 4: we've flagged this one. Can you please call us to

868
00:37:06,880 --> 00:37:09,720
Speaker 4: verify or can you please reply one via text message

869
00:37:09,719 --> 00:37:12,960
Speaker 4: to confirm this was you transferring this. So if they

870
00:37:13,040 --> 00:37:16,160
Speaker 4: hadn't communicated with you, it should have gone through immediately

871
00:37:16,280 --> 00:37:19,799
Speaker 4: from my perspective, because we're talking about three hundred dollars here,

872
00:37:19,880 --> 00:37:21,719
Speaker 4: not three hundred thousand, and you're trying to get a

873
00:37:21,719 --> 00:37:25,200
Speaker 4: home deposit across which takes a much bigger period of

874
00:37:25,239 --> 00:37:28,239
Speaker 4: time because of banking limits, So like I would get

875
00:37:28,239 --> 00:37:30,400
Speaker 4: it if you were, like, oh my god, because it

876
00:37:30,440 --> 00:37:32,560
Speaker 4: is stressful, right, Like I remember when we were buying

877
00:37:32,600 --> 00:37:35,000
Speaker 4: our first house and I had to transfer the deposit

878
00:37:35,080 --> 00:37:37,759
Speaker 4: for the house into the real estate like trust fund,

879
00:37:37,840 --> 00:37:39,480
Speaker 4: and I just remember being like those numbers.

880
00:37:40,000 --> 00:37:41,800
Speaker 2: Yeah, I checked my numbers fifty times.

881
00:37:41,840 --> 00:37:44,640
Speaker 4: But then also I had a transfer limit, so I

882
00:37:44,680 --> 00:37:46,759
Speaker 4: had to go down to the bank and pay for

883
00:37:46,840 --> 00:37:49,560
Speaker 4: this manual transfer to be done of this lump sum

884
00:37:49,560 --> 00:37:50,240
Speaker 4: at one time.

885
00:37:50,320 --> 00:37:51,960
Speaker 2: And like, I'm.

886
00:37:51,800 --> 00:37:56,480
Speaker 4: Sorry, everything's documented, So I'm suspicious from the get go totally.

887
00:37:56,719 --> 00:37:59,560
Speaker 5: And if the friends listening, Hey, do you really want

888
00:37:59,600 --> 00:38:01,759
Speaker 5: to lose a friend over three hundred dollars. Something will

889
00:38:01,800 --> 00:38:04,120
Speaker 5: last very long and the friendship might last forever.

890
00:38:04,280 --> 00:38:06,279
Speaker 4: Yeah, and have a good thing about why you're doing this,

891
00:38:06,400 --> 00:38:09,239
Speaker 4: like if you're strapped to cash, Okay, I totally understand it,

892
00:38:09,280 --> 00:38:11,759
Speaker 4: but this is not how to solve your problem in

893
00:38:11,800 --> 00:38:13,799
Speaker 4: the short term, like in the long term, this is

894
00:38:13,800 --> 00:38:16,879
Speaker 4: going to harm you. Also, the reputation that comes off

895
00:38:16,880 --> 00:38:20,839
Speaker 4: this like terrible, like because people are going to ask,

896
00:38:20,920 --> 00:38:23,080
Speaker 4: right like, oh, hey, Jess, why don't you talk to

897
00:38:23,160 --> 00:38:26,400
Speaker 4: V anymore? Jess is going to go it's a bit awkward,

898
00:38:26,480 --> 00:38:28,759
Speaker 4: like we just don't talk anymore after you know, I

899
00:38:28,840 --> 00:38:31,080
Speaker 4: transferred her three hundred bucks and you know, I asked

900
00:38:31,120 --> 00:38:33,400
Speaker 4: for it back and rarah. It was just awkward. I

901
00:38:33,400 --> 00:38:35,839
Speaker 4: don't really know what happened to it. Other people are

902
00:38:35,840 --> 00:38:39,399
Speaker 4: going to deduct that it's not a good situation. Even

903
00:38:39,440 --> 00:38:41,840
Speaker 4: if Jess says absolutely, oh she's really nice, but I

904
00:38:41,920 --> 00:38:43,880
Speaker 4: just don't get it, like she cut me out after that,

905
00:38:44,000 --> 00:38:45,320
Speaker 4: stopped replying to my message.

906
00:38:45,360 --> 00:38:45,920
Speaker 2: Do you know what I mean?

907
00:38:45,960 --> 00:38:48,319
Speaker 4: It's just like you're going to look like a bit

908
00:38:48,360 --> 00:38:49,280
Speaker 4: of a potato.

909
00:38:49,640 --> 00:38:51,200
Speaker 2: Sure, Like that's not great.

910
00:38:51,400 --> 00:38:52,240
Speaker 5: Sure, no one.

911
00:38:52,080 --> 00:38:55,640
Speaker 4: Wants to be called a potato, right, Like that's true

912
00:38:55,880 --> 00:38:58,960
Speaker 4: unless you're a French fry. But yeah, let's see what

913
00:38:59,000 --> 00:39:02,719
Speaker 4: the community said. We asked them a few spicy questions.

914
00:39:02,760 --> 00:39:05,160
Speaker 4: First one was, do you think it sounds like the

915
00:39:05,200 --> 00:39:07,359
Speaker 4: friend has kept the money in lined about sending it back?

916
00:39:08,080 --> 00:39:09,879
Speaker 2: Obviously, we asked that one first.

917
00:39:11,120 --> 00:39:13,399
Speaker 4: Yeah, eighty two percent of you were like, Yep, yep,

918
00:39:13,400 --> 00:39:16,439
Speaker 4: we do think that. We then said, do you think

919
00:39:16,480 --> 00:39:18,920
Speaker 4: this person can ask their friend to transfer their own

920
00:39:19,000 --> 00:39:22,000
Speaker 4: money since hers has gone missing? Forty two percent of

921
00:39:22,040 --> 00:39:24,719
Speaker 4: you said yes, it's the friend's responsibility to help, and

922
00:39:24,800 --> 00:39:26,839
Speaker 4: fifty eight percent of you said no, it was her

923
00:39:26,880 --> 00:39:30,160
Speaker 4: decision to send her money. I kind of am rock

924
00:39:30,200 --> 00:39:32,080
Speaker 4: in a hard place because like if I transferred you

925
00:39:32,160 --> 00:39:36,399
Speaker 4: money back and it genuinely went missing, like, it's kind

926
00:39:36,400 --> 00:39:37,719
Speaker 4: of on me, not on you.

927
00:39:38,239 --> 00:39:41,080
Speaker 6: Yeah, Like I don't know if you have the relevant

928
00:39:41,160 --> 00:39:41,880
Speaker 6: proof to show you.

929
00:39:42,040 --> 00:39:42,200
Speaker 8: Yeah.

930
00:39:42,239 --> 00:39:44,080
Speaker 6: Yeah, if her friend can say here's the transfer, I've

931
00:39:44,080 --> 00:39:46,080
Speaker 6: got no idea what's going on? Percent But I also

932
00:39:46,120 --> 00:39:47,879
Speaker 6: it sounds like the friend's not being very helpful either.

933
00:39:47,880 --> 00:39:49,719
Speaker 6: Like if that was us and you said, hey, like

934
00:39:49,760 --> 00:39:51,239
Speaker 6: the money hasn't come back, I would be on the

935
00:39:51,239 --> 00:39:53,239
Speaker 6: phone to my bank being like, hey, like, what's the

936
00:39:53,280 --> 00:39:54,359
Speaker 6: go Totally.

937
00:39:54,440 --> 00:39:57,160
Speaker 4: I think I'm also a bit negative about this, like, oh,

938
00:39:57,200 --> 00:39:59,440
Speaker 4: can your friend transfer you some money? In the trim,

939
00:39:59,440 --> 00:40:02,160
Speaker 4: I'm like, there's already a problem communicating about money.

940
00:40:02,200 --> 00:40:04,000
Speaker 2: I don't think we need to add an extra layer.

941
00:40:04,080 --> 00:40:05,879
Speaker 2: If he said she said like.

942
00:40:06,040 --> 00:40:08,719
Speaker 4: I owe you, you owe me vice versa like I

943
00:40:08,800 --> 00:40:12,399
Speaker 4: just think it's not worth the time. Yeah, we said,

944
00:40:12,440 --> 00:40:14,640
Speaker 4: if this was you, would you tell your friend you

945
00:40:14,680 --> 00:40:17,960
Speaker 4: didn't believe they'd sent the money. Seventy two percent said yep,

946
00:40:17,960 --> 00:40:19,560
Speaker 4: and I'd ask for proof of the transfer.

947
00:40:19,800 --> 00:40:21,760
Speaker 2: Wow, ballsy people. I would never.

948
00:40:21,680 --> 00:40:24,839
Speaker 4: Accuse anybody of anything. As I said, I'm very much

949
00:40:24,880 --> 00:40:27,040
Speaker 4: a garden path kind of gal. I'd be like, can

950
00:40:27,080 --> 00:40:29,120
Speaker 4: you please send me the reference number, I'll follow it

951
00:40:29,200 --> 00:40:31,200
Speaker 4: up with my bank, and I'll let you dig your

952
00:40:31,239 --> 00:40:33,080
Speaker 4: own grave. I'm not going to accuse you of anything

953
00:40:33,120 --> 00:40:36,560
Speaker 4: I can't prove totally. And then twenty eight percent of

954
00:40:36,600 --> 00:40:40,880
Speaker 4: you said no, But it's because I hate confrontation. Relatable,

955
00:40:41,239 --> 00:40:43,280
Speaker 4: We asked, do you think it is a bad idea

956
00:40:43,320 --> 00:40:46,560
Speaker 4: to ask friends for help with money problems? Seventy seven

957
00:40:46,680 --> 00:40:49,200
Speaker 4: percent of you said yep, it always ends badly and

958
00:40:49,280 --> 00:40:51,880
Speaker 4: ruins friendship said twenty three percent of you said no,

959
00:40:51,960 --> 00:40:55,000
Speaker 4: I've had really positive experiences with it. I think this

960
00:40:55,160 --> 00:40:58,759
Speaker 4: is really going to depend on the friend. Like this

961
00:40:58,840 --> 00:41:02,399
Speaker 4: situation should have ended up with like oh he said,

962
00:41:02,480 --> 00:41:05,239
Speaker 4: she said, kind of like oh, I transferred it. You

963
00:41:05,280 --> 00:41:08,040
Speaker 4: didn't get it, Like you had problems with your bills

964
00:41:08,080 --> 00:41:09,680
Speaker 4: and your friend was like, oh, I can try and

965
00:41:09,680 --> 00:41:10,359
Speaker 4: pay them for you.

966
00:41:10,840 --> 00:41:11,799
Speaker 2: Here's the cash.

967
00:41:11,920 --> 00:41:13,560
Speaker 4: I feel like, Jess, that's something that you and I

968
00:41:13,560 --> 00:41:15,560
Speaker 4: would do if we were in a pickle, and it

969
00:41:15,600 --> 00:41:18,960
Speaker 4: wouldn't be like a friendship borrowing money sitch, Like Jess

970
00:41:18,960 --> 00:41:20,840
Speaker 4: would just transfer me the money and I'd try and

971
00:41:20,880 --> 00:41:23,680
Speaker 4: pay the thing, right. Yeah, Like that to me feels

972
00:41:23,719 --> 00:41:26,919
Speaker 4: like a different thing than you know, borrowing money from

973
00:41:26,960 --> 00:41:30,200
Speaker 4: a friend. Like I think those are two different circumstances

974
00:41:30,280 --> 00:41:32,279
Speaker 4: because you're like, Babe, I've got the money, my bank

975
00:41:32,360 --> 00:41:35,400
Speaker 4: just won't transfer it or my card's broken or whatnot.

976
00:41:35,400 --> 00:41:38,120
Speaker 2: Because like you should have been a very heavy step step.

977
00:41:37,920 --> 00:41:41,840
Speaker 4: Step exactly, but like that's just you're telling me that

978
00:41:41,960 --> 00:41:43,879
Speaker 4: I gave you three hundred well you know you gave

979
00:41:43,920 --> 00:41:46,120
Speaker 4: me three hundred bucks, and then oh, what a cowinky

980
00:41:46,200 --> 00:41:47,440
Speaker 4: dink you don't have it anymore.

981
00:41:47,760 --> 00:41:48,960
Speaker 2: Yeah, that's a bit weird.

982
00:41:49,920 --> 00:41:52,120
Speaker 4: And then we obviously get this. We asked for you

983
00:41:52,200 --> 00:41:54,840
Speaker 4: two cents. And I love this part because some of

984
00:41:54,880 --> 00:41:58,920
Speaker 4: you are savages. Some of you honestly need to have

985
00:41:59,000 --> 00:42:01,200
Speaker 4: a good, hard thing about the type of human being

986
00:42:01,320 --> 00:42:05,279
Speaker 4: you are. And I don't read those comments on are

987
00:42:05,360 --> 00:42:08,719
Speaker 4: others You're really funny. You're really funny. But here are

988
00:42:08,760 --> 00:42:11,160
Speaker 4: some of the responses. So my best friend lent me

989
00:42:11,160 --> 00:42:13,759
Speaker 4: fifteen hundred bucks for a car, and I learned how

990
00:42:14,000 --> 00:42:16,919
Speaker 4: to manage money so I could quickly pay her back

991
00:42:17,000 --> 00:42:18,319
Speaker 4: because I owed that to her.

992
00:42:19,120 --> 00:42:21,400
Speaker 2: I think positive experience.

993
00:42:21,800 --> 00:42:24,520
Speaker 4: Someone said, if they are a true friend, there should

994
00:42:24,560 --> 00:42:27,000
Speaker 4: be no problem in sharing the receipts and they should

995
00:42:27,040 --> 00:42:30,200
Speaker 4: actually be quite motivated to help you solve this problem.

996
00:42:30,200 --> 00:42:31,320
Speaker 2: So true, it's a good problem.

997
00:42:31,400 --> 00:42:34,160
Speaker 4: That's just missing three hundred bucks, Like I have done

998
00:42:34,160 --> 00:42:35,160
Speaker 4: way more for less us.

999
00:42:35,239 --> 00:42:37,720
Speaker 6: Yes, she's just hunted down people on the internet.

1000
00:42:38,480 --> 00:42:40,920
Speaker 4: I've done a lot of things that I am not

1001
00:42:40,960 --> 00:42:43,880
Speaker 4: that proud of. Because a friend is literally like, oh

1002
00:42:43,960 --> 00:42:45,640
Speaker 4: my god, x y Z happened to be I'm.

1003
00:42:45,480 --> 00:42:47,680
Speaker 2: Like, sit down, yeah, sit down, I sound proud.

1004
00:42:48,040 --> 00:42:50,400
Speaker 5: I feel like that sounds like proud.

1005
00:42:50,160 --> 00:42:53,080
Speaker 4: Of my life anyway, we won't go into the time

1006
00:42:53,120 --> 00:42:55,840
Speaker 4: that I hunted someone's phone down on Find my Friends

1007
00:42:55,880 --> 00:42:57,759
Speaker 4: and not on a random person's front door to.

1008
00:42:57,719 --> 00:42:59,359
Speaker 2: Be like, hey, we know you have the phone, give

1009
00:42:59,360 --> 00:43:02,960
Speaker 2: it back. Yes, I could have died back. Don't tell

1010
00:43:02,960 --> 00:43:04,720
Speaker 2: my husband. We said that we were going shopping.

1011
00:43:05,160 --> 00:43:07,960
Speaker 4: So the next person said she should ask for a

1012
00:43:08,000 --> 00:43:10,920
Speaker 4: screenshot of the transfer so she can go to her

1013
00:43:10,960 --> 00:43:11,920
Speaker 4: bank with the evidence.

1014
00:43:12,560 --> 00:43:14,759
Speaker 2: Again, I think this is the page that we're all on.

1015
00:43:15,160 --> 00:43:17,560
Speaker 4: Someone else said I would never accuse a friend of lying,

1016
00:43:18,040 --> 00:43:20,520
Speaker 4: but would ask for transfer proof so I can follow

1017
00:43:20,600 --> 00:43:22,160
Speaker 4: up with the bank. I feel like we're all on

1018
00:43:22,200 --> 00:43:25,480
Speaker 4: the same page about just like maybe not being too confrontational,

1019
00:43:25,680 --> 00:43:28,240
Speaker 4: but also being like, hey that can I have the proof?

1020
00:43:28,280 --> 00:43:30,600
Speaker 4: Because any good friend would be like, oh yeah, yeah,

1021
00:43:30,719 --> 00:43:33,080
Speaker 4: Like honest to god, if I had your three hundred

1022
00:43:33,120 --> 00:43:34,840
Speaker 4: bucks and I had transferred it back, I would be

1023
00:43:34,840 --> 00:43:37,440
Speaker 4: sending you a screenshots. But I'd also be like handing

1024
00:43:37,440 --> 00:43:39,960
Speaker 4: my phone across the table and have a look, I've

1025
00:43:40,000 --> 00:43:42,080
Speaker 4: transferred it here. Where do you think I've gone wrong?

1026
00:43:42,200 --> 00:43:44,719
Speaker 4: Do you need screenshots of my entire banking history? Like

1027
00:43:44,760 --> 00:43:47,799
Speaker 4: this has never happened before? Double check that Yeah, can

1028
00:43:47,840 --> 00:43:50,200
Speaker 4: you just check your bsban account number? Maybe I transferred

1029
00:43:50,239 --> 00:43:53,000
Speaker 4: it to the wrong thing. Like I'd be literally handing

1030
00:43:53,040 --> 00:43:55,200
Speaker 4: my phone across the table being like, can you have

1031
00:43:55,280 --> 00:43:58,239
Speaker 4: a look at this too, because I automatically go to,

1032
00:43:58,320 --> 00:43:59,719
Speaker 4: oh my god, someone might not trust me.

1033
00:44:00,080 --> 00:44:01,600
Speaker 2: Yeah, Like I don't want that. I want to be

1034
00:44:01,640 --> 00:44:02,880
Speaker 2: like so transparent.

1035
00:44:03,040 --> 00:44:06,160
Speaker 4: So it is really confusing to me when people are

1036
00:44:06,200 --> 00:44:10,400
Speaker 4: so like, oh no, I sent it, yeah, and then provide.

1037
00:44:10,000 --> 00:44:12,000
Speaker 5: No proof, totally.

1038
00:44:13,200 --> 00:44:14,319
Speaker 2: Being a bit avoidant.

1039
00:44:14,480 --> 00:44:15,000
Speaker 5: Yeaxactly.

1040
00:44:15,120 --> 00:44:16,640
Speaker 2: It feels like it. Yeah.

1041
00:44:16,719 --> 00:44:20,160
Speaker 4: Someone said I've gotten pretty good at being confrontational about stuff,

1042
00:44:20,160 --> 00:44:22,080
Speaker 4: but I always end up short changed.

1043
00:44:23,440 --> 00:44:24,240
Speaker 2: That's not good.

1044
00:44:25,000 --> 00:44:28,360
Speaker 4: Someone has said, quote I don't believe you, big red

1045
00:44:28,440 --> 00:44:32,239
Speaker 4: cross emoji, and then quote send picks of transfer for

1046
00:44:32,360 --> 00:44:34,680
Speaker 4: my reference because I'll call my bank please, and then

1047
00:44:34,760 --> 00:44:36,040
Speaker 4: big green tick emoji.

1048
00:44:36,800 --> 00:44:38,200
Speaker 2: I like that. Yeah.

1049
00:44:38,400 --> 00:44:41,760
Speaker 4: I feel like every single response is basically us going.

1050
00:44:41,960 --> 00:44:43,920
Speaker 4: I mean, there are a few spicy people who are

1051
00:44:43,920 --> 00:44:46,560
Speaker 4: not so nice, in which case have a good hard

1052
00:44:46,640 --> 00:44:50,080
Speaker 4: think about yourself today, my friend, but everybody else was

1053
00:44:50,280 --> 00:44:52,640
Speaker 4: very very helpful in terms of I think just being

1054
00:44:52,640 --> 00:44:54,879
Speaker 4: on the same page as us, Like twenty twenty three,

1055
00:44:55,000 --> 00:44:57,279
Speaker 4: everything is tracked. You will be able to track it

1056
00:44:57,320 --> 00:44:59,920
Speaker 4: down if your friend shares the receipts and the transfer

1057
00:45:00,040 --> 00:45:03,040
Speaker 4: codes and everything else. Money doesn't just go missing, no,

1058
00:45:03,200 --> 00:45:04,920
Speaker 4: because if it did, a lot of people would be

1059
00:45:04,960 --> 00:45:07,080
Speaker 4: really rich and we wouldn't have any trust in our

1060
00:45:07,080 --> 00:45:09,000
Speaker 4: banking system here in Australia.

1061
00:45:09,080 --> 00:45:11,080
Speaker 5: Also, if that person wants to give us an update,

1062
00:45:11,080 --> 00:45:15,279
Speaker 5: do you ever get the money and tell Allie yes,

1063
00:45:15,480 --> 00:45:17,000
Speaker 5: seriously the juice?

1064
00:45:17,040 --> 00:45:19,600
Speaker 2: All right, Well that is all we have got this week,

1065
00:45:19,719 --> 00:45:22,320
Speaker 2: my friends. Thank you so much for hanging out again,

1066
00:45:22,480 --> 00:45:23,200
Speaker 2: Jess and Beck.

1067
00:45:23,280 --> 00:45:25,479
Speaker 4: It's my favorite time of the week having a chat

1068
00:45:25,480 --> 00:45:28,240
Speaker 4: with you guys about some spicy topics, also.

1069
00:45:28,040 --> 00:45:30,839
Speaker 2: Some genuine advice, but also learning.

1070
00:45:30,520 --> 00:45:33,920
Speaker 4: About the community because you guys are literally my favorite.

1071
00:45:34,080 --> 00:45:36,040
Speaker 4: Let's cross our fingers because we're going to the podcast

1072
00:45:36,080 --> 00:45:37,360
Speaker 4: Awards literally tonight.

1073
00:45:37,440 --> 00:45:39,520
Speaker 2: We're all jumping in car right now to go to

1074
00:45:39,560 --> 00:45:40,120
Speaker 2: the airport.

1075
00:45:41,360 --> 00:45:44,360
Speaker 4: But it's Friday for you, so check on our instagram

1076
00:45:44,400 --> 00:45:46,040
Speaker 4: to see if we've got our tail between our legs

1077
00:45:46,120 --> 00:45:48,720
Speaker 4: or we wanted award. But we'll see you on Monday,

1078
00:45:48,760 --> 00:45:50,560
Speaker 4: bright and early for a money Darius. Guys have the

1079
00:45:50,560 --> 00:45:51,160
Speaker 4: best weekend.

1080
00:45:51,239 --> 00:45:54,759
Speaker 2: We love you by guys. Bye.

1081
00:45:58,960 --> 00:46:01,120
Speaker 7: Did buy shared on and She's on the Money is

1082
00:46:01,200 --> 00:46:04,800
Speaker 7: general in nature and does not consider your individual circumstances.

1083
00:46:05,160 --> 00:46:08,560
Speaker 7: She's on the Money exists purely for educational purposes and

1084
00:46:08,600 --> 00:46:11,040
Speaker 7: should not be relied upon to make an investment or

1085
00:46:11,120 --> 00:46:12,120
Speaker 7: financial decision.

1086
00:46:12,520 --> 00:46:14,760
Speaker 2: If you do choose to buy a financial.

1087
00:46:14,320 --> 00:46:18,320
Speaker 7: Product, read the PDS TMD and obtain appropriate financial.

1088
00:46:17,880 --> 00:46:19,680
Speaker 2: Advice tailored towards your needs.

1089
00:46:20,040 --> 00:46:24,000
Speaker 7: Victoria Divine and She's on the Money are authorized representatives

1090
00:46:24,040 --> 00:46:28,080
Speaker 7: of money. Sheper Pty Ltd ABN three two one six

1091
00:46:28,239 --> 00:46:32,120
Speaker 7: four nine two seven seven zero eight AFSL four five

1092
00:46:32,200 --> 00:46:41,960
Speaker 7: one two eight nine