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

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Speaker 1: the Order Kerney Whalbury 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 through.

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Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and

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

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Speaker 1: 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 2: Hello, and welcome to She's on the Mune the podcast

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Speaker 2: Millennials who want financial freedom. Today, my friends, guess what,

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

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Speaker 2: gorgeous team together and celebrate you the incredible She's on

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Speaker 2: the Money community. Today, mister Grig is going to share

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Speaker 2: our favorite money wins. Miss beck Sayed has some juicy

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Speaker 2: broke tips for you.

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Speaker 3: We're going to be.

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Speaker 2: Helping to answer a money dilemma, which this week is

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Speaker 2: all about income protection, and we're going to unpack something

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Speaker 2: that you slid into our DMS, about which this week

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Speaker 2: is all about gifting your friends some handy downs or

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Speaker 2: an outfit that you love and then they sell them.

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Speaker 2: So before we get there, as always, we need to

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Speaker 2: check in with my team, see how they're going. Let's

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Speaker 2: throw Beck straight under the bus because she.

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Speaker 4: Always goes no, Jesse, you go first, Beck.

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Speaker 2: How's your week been?

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Speaker 5: My week has been really nice. I'm having a little

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Speaker 5: slumber party tonight with some adult friends, which.

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Speaker 4: Is really cute. So exeah, it's really cute.

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Speaker 2: The way you phrased this, like, oh, I'm having some

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Speaker 2: friends sleepover would be fine, but I'm having an slumber party. Yeah, fun,

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Speaker 2: And I'm like, oh for it. But like you've you've

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Speaker 2: done that to yourself.

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Speaker 4: That's so true. Yeah, yeah, I've really made it sounds

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Speaker 4: a lot more.

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Speaker 3: You made it sounds a lot better than what it's

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Speaker 3: going to be.

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Speaker 5: Totally, but it will be really be lollies and stuff

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Speaker 5: like that is my dream come true. Anyway, we have

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Speaker 5: a slumber party and then I'm actually currently planning a

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Speaker 5: Valentine's Day date.

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Speaker 2: I'm sorry, what are you doing planning a date?

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Speaker 5: Planning dates with a real life human being, a real

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Speaker 5: life girl. I was using like AI girlfriend for a

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Speaker 5: little while, but you like the real thing.

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Speaker 3: That seems quite fair.

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Speaker 2: So now you've upgraded and you've got a look back.

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Speaker 4: I haven't looked back yet.

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Speaker 2: So is this like a hard launch or a soft launch?

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Speaker 3: Jess cut this is a soft launch.

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Speaker 2: Being elusive, We're being elusive.

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Speaker 3: I wonder who it is exactly.

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Speaker 4: This is just very very soft launch, A squishy launch,

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Speaker 4: squishy launch.

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Speaker 6: All the details.

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Speaker 3: I'm going to be hounding her for them on and off.

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Speaker 2: So don't you worry, miss Jessica Reachi. How has your

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Speaker 2: week been.

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Speaker 6: I've had a really good week. There's butterflies everywhere. Has

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Speaker 6: anyone noticed that? I don't know why, but it feels.

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Speaker 3: Very She's coming to town.

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Speaker 6: Well there's that we got a new tailors with album.

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Speaker 6: Really did I just know I'm gonna love this one?

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Speaker 6: Do you know what I mean? Like it's giving all

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Speaker 6: of the.

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Speaker 2: Painting our nails green, expecting her to announce reputation, her

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Speaker 2: being like, sit down, you guys are so.

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Speaker 6: Wrong, and it's you know it's going to be another

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Speaker 6: heartbreak one because it's Joe whatever his name is, like

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Speaker 6: his speculation, but we know it'll be his album, and

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Speaker 6: it just seems like the vibe is going to be immaculate.

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Speaker 2: So I'm so excited for that.

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Speaker 3: Like I just can't oh.

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Speaker 6: My queen and then just prep for the concert next week.

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Speaker 2: Costumes going good.

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Speaker 6: My rule is I have to, Like I've set myself

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Speaker 6: a goal. It needs to be finished by Sunday because

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Speaker 6: if I can't let something goes wrong, I need time

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Speaker 6: to buy something. So hopefully nobody's seen me have a

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Speaker 6: melt down here you can just.

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Speaker 2: Call me and let me know and I will help

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Speaker 2: you fix it.

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Speaker 6: I appreciate that. Hopefully I don't need it, but yeah,

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Speaker 6: if you do, though.

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Speaker 2: Like let me know.

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Speaker 3: I'm not letting you have a melt down.

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Speaker 2: I'm pregnant, really pregnant, having a lot of them, and

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Speaker 2: nobody deserves melkow.

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Speaker 6: Well, how has your week been? Speaking of being very pregnant.

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Speaker 2: I haven't cried that much, so I think that's actually

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Speaker 2: so impressive at this point. Yeah, I've had a good week.

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Speaker 2: I've done a lot. Actually I can't tell you who

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Speaker 2: it was with, but I actually interviewed someone with the

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Speaker 2: un Women Australia this week, so fancy I can't share

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Speaker 2: who it is. Yet, but I had to be up

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Speaker 2: at four thirty am to make their time zone so

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Speaker 2: that we could do a good interview, and like, honestly,

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Speaker 2: I don't regret any of it. I'm just a little

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Speaker 2: bit tired now, but I'm so excited to share that.

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Speaker 2: I think it will be so special. And it honestly

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Speaker 2: felt like an honor, Like you know those things where

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Speaker 2: you like, are you.

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Speaker 3: Sure you meant me?

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Speaker 2: Like, I know you meant that I could interview them.

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Speaker 2: It's not about me, But are you sure you want

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Speaker 2: to compromise yourselves? Mean that? Are you sure? But I

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Speaker 2: checked a number of times and they were like, yeah, yeah,

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Speaker 2: it's you, and I was like, I can't believe it.

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Speaker 2: So that's been my highlight of the week again, Squishy launch,

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Speaker 2: We're not like giving away too much.

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Speaker 3: Yeah, yeah, yeah, out that it's been good.

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Speaker 2: But yeah, TLDR, I hope this is one of my

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Speaker 2: last Friday Drinks episodes because I really want this baby

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Speaker 2: out of me already, Guys, I've done.

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Speaker 6: It's just got to wait one more week after Taylor Swift.

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Speaker 2: Okay, okay, after Taylor Swift, I can hold on. Let's

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Speaker 2: jump into some more stuff about the community, though, Jess,

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Speaker 2: I've been perving on the money wins a Confession's thread

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Speaker 2: this week, and I feel like there are some juicy ones.

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Speaker 2: So what are you bringing to the table.

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Speaker 6: Well, I thought we'd start with the money loss that

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Speaker 6: I think many of us may have experienced in the

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Speaker 6: last week. It's from Jess and she said money loss.

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Speaker 6: Didn't win the two hundred million?

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Speaker 2: Oh, I feel like my team like.

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Speaker 6: We all bought one. Let's everyone except you.

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Speaker 2: We went on retreat and all of them were talking

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Speaker 2: last week about buying lotto tickets and I'm just sitting

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Speaker 2: there being like, do you see what is going on here?

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Speaker 2: We fell for the marketing, but you are the problem. Ah, Well,

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Speaker 2: two people want a hundred million each? Wow?

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Speaker 6: Imagine would have settled for an easily hundred million.

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Speaker 4: I don't know, me too. I would love two meal

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Speaker 4: if I got a.

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Speaker 2: Whole episode and be like, this episode is specifically for

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Speaker 2: the two people who won one hundred million dollars and

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Speaker 2: it's what I think you should do with it?

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Speaker 6: That would be interesting.

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Speaker 2: Yeah, the relatives, but really.

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Speaker 6: Quickly, what's one? Like the first thing you would buy

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Speaker 6: if you want a hundred meal? You can't say investor,

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Speaker 6: You have to buy something like a thing, an object

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Speaker 6: to the material thing that you were just going to say.

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Speaker 2: Pay off my parents' mortgage, but I'm not allowed to

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Speaker 2: do that.

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Speaker 4: You have to be selfish.

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Speaker 2: I really would buy myself all away a puzzle bag,

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Speaker 2: cute in the sound color.

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Speaker 4: Yeah, I've never heard that my life.

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Speaker 3: I'll show you a picture after I think I really

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Speaker 3: like it.

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Speaker 2: I just can't justify it at this point.

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Speaker 4: That's fair, you know what. I'd honestly just buy myself

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Speaker 4: some modest birken Stocks.

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Speaker 3: You buy you some modest brecon Stock.

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Speaker 2: Have you seen my new birken Stocks?

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Speaker 4: I haven't. Don't show me, Jeous you love them.

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Speaker 3: I got the Boston's, you got the Yeah.

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Speaker 1: Yeah.

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Speaker 2: My best friend said that I am two steps away

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Speaker 2: from becoming a lesbian, and I'm okay with that.

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Speaker 4: That's what I would buy and top up my Mikey.

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Speaker 4: That's me.

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Speaker 2: I really don't.

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Speaker 3: I can't with you, Jessica, You're so practical.

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Speaker 6: I buy a house, but then if I have to,

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Speaker 6: if we're going as.

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Speaker 2: An investment, I'm sorry, no, not having that.

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Speaker 6: Then I would buy a Chanel Classic CLA that's mine.

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Speaker 6: That's like a ten handbag.

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Speaker 4: Does that make it ill? Yeah, its aesthetically pleasing though

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Speaker 4: you know it.

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Speaker 6: I'll show your phone. It's like the quilted black VD

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Speaker 6: has three probably.

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Speaker 2: Oh my goodness, right.

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Speaker 3: Straight under the Yeah.

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Speaker 2: So as we're saying money, when's a confessions?

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Speaker 6: I got all right, I've got a money in from Yakira,

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Speaker 6: who said, my daughter started competitive chio, which is very expensive.

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Speaker 6: I think it's probably similar to dance. But I managed

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Speaker 6: to score an as new competition uniform for fifty dollars

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Speaker 6: instead of the two hundred and forty it would have

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Speaker 6: cost me new Oh my gosh, wow. Respect for all

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Speaker 6: the parents out there with kids in activities, because I

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Speaker 6: think about my parents looking back, and I'm like, oh,

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Speaker 6: kind of in cheap.

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Speaker 2: Also two hundred and forty dollars for children's outfit, I know,

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Speaker 2: like I'm not trying to disrespect it. A lot of

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Speaker 2: time energynffort has surely gone into that. But like kids

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Speaker 2: grow so quick, so that and it's for like one thing, right,

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Speaker 2: Like you can't just keep using them.

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Speaker 3: It's not like a uniform, is it true.

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Speaker 6: I think the uniforms maybe change gear sometimes, So that's crazy.

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Speaker 6: Well done, Yakira. Then Inez said I have a money win.

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Speaker 6: I switched to a Masium after being loyal to a

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Speaker 6: big telco for over a decade. I used to pay

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Speaker 6: sixty two dollars for fifty gigabytes but would only ever

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Speaker 6: use twenty gig max. I found a thirty two gig

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Speaker 6: plan for thirty dollars with the unusedtarter rolling over.

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Speaker 2: Yeah, it's unlimited and it doesn't stop rolling over.

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Speaker 6: Jess, that's so good. And my first month was half priced,

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Speaker 6: so I only paid fifteen dollars for a much better plan.

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Speaker 6: And bonus, it's an Esium, so where I could switch.

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Speaker 2: Immediately, Do you're not? My favorite part about that is

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Speaker 2: we've recently worked with a Masium and that's not even

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Speaker 2: a paid sponsorship. But that's a great plug.

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Speaker 3: Thank you for that.

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Speaker 2: Thank you, and Ess, I'm going to call a Masium

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Speaker 2: and be like, hey, so I don't know if you

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Speaker 2: know this, but you really should listen to our Friday episode.

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Speaker 2: We say some really nice things and by where I

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Speaker 2: mean my community, not me.

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Speaker 6: Yeah, please sponsor us next time. I got a money

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Speaker 6: win from Alika, who said I booked a car hire

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Speaker 6: for ound New Zealand trip two months ago. I went

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Speaker 6: to edit the booking, and I found that if I'd

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Speaker 6: booked the same car today, it would have been almost

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Speaker 6: three times more expensive. Money win book in advance.

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Speaker 4: Yeah, so smart, so smart, very good idea.

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Speaker 6: Then I've got one from Sarah who said I advertised

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Speaker 6: a small side table a marketplace for ten dollars. A

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Speaker 6: lady came to pick it up and only had twenty dollars,

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Speaker 6: and she happily just said keep the change.

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Speaker 2: WHOA what money?

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Speaker 6: I always have people coming to the door being like, sorry,

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Speaker 6: I've only got fifty, will we take that instead of seventy?

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Speaker 4: Yes?

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Speaker 2: I don't know where people get you men have done

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Speaker 2: to me, and I've just been like, of course, sorry,

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Speaker 2: I don't say it, but of course.

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Speaker 6: It's always men, always men, it's always men.

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Speaker 4: What did you say?

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Speaker 6: So I literally said sorry, like we agreed on seventy.

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Speaker 6: There's a seven eleven down the road if you want

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Speaker 6: to get a cash out?

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Speaker 2: Oh what get?

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Speaker 6: And this guy's the guy whos just me last time?

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Speaker 2: Sorry, no, no, no, this is the key. We hit the

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Speaker 2: money out.

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Speaker 6: Of his wallet and was like, I only have fifty

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Speaker 6: will you take that instead of seventy? Or whatever it was?

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Speaker 6: And then I said to seven elevens down the road

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Speaker 6: and he said okay, and so then he got something.

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Speaker 6: He had the money in his pocket. I was just like,

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Speaker 6: you don't. And we've obviously negotiated back and forth, like

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Speaker 6: he was such a pain to talk to. I remember,

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Speaker 6: like Negotia, Negotia, negotiate, agreed on a prodict double and

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Speaker 6: he's still trying to hustle.

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Speaker 2: Hope he's listening to this hat' not because he's not

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Speaker 2: money savage kind so true.

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Speaker 6: Yeah, anyway, so I feel like else, if you got

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Speaker 6: Sarah did really well, he's canceled.

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Speaker 1: He is.

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Speaker 6: Then I've got a win from z who said I

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Speaker 6: collect Google play Point perks every week for free. That's

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Speaker 6: quite a tong twister. Say that Baptiz's fast and I

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Speaker 6: now have a five dollar voucher to buy She's in

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Speaker 6: the Money audiobook. Oh don't know what a Google play

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Speaker 6: Point perk is, and maybe look into it though, because

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Speaker 6: it sounds like you get free vouchers, which we love.

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Speaker 3: I love that.

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Speaker 2: I also love I don't know if everybody knows this,

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00:11:30,320 --> 00:11:32,280
Speaker 2: but you can get all of my audio books for

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Speaker 2: free if you are already a Spotify subscriber.

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Speaker 3: Good to all of My books are on.

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Speaker 2: Spotify, and if you like are a paid member of Spotify,

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Speaker 2: you can go listen to them for free, which is

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Speaker 2: a very good money win.

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Speaker 4: Yeah, yeah, that's great.

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Speaker 6: Then lastly, I've got a goodie from Holly who said

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Speaker 6: I went to get a roast chook from coals. They

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Speaker 6: were none left, but did she get a little voucher

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Speaker 6: has a rule but if you go to get a

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Speaker 6: chicken and they have none left, you get a voucher

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Speaker 6: for a free one boom.

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Speaker 2: A free chook.

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Speaker 3: Money win.

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Speaker 4: That's pretty cool.

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Speaker 2: I'm the chicken.

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Speaker 6: That's such a good one, and that is so I

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Speaker 6: love that we're calling it a chuck. Still, that's so

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Speaker 6: I love it. My money is I nearly got scams

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Speaker 6: this morning and I didn't.

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Speaker 2: How did you nearly get scammed?

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Speaker 4: Still?

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Speaker 6: Do we want to go on with?

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Speaker 2: No? No? No, This is the tangent we're here for.

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Speaker 2: It's Friday, and it's our episode.

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Speaker 3: We do what we want on this one.

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Speaker 6: So I got a text in an email from Recovery's Core,

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Speaker 6: which is a debt collection agency, like they're a real agency.

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Speaker 6: I've heard of them before, yes, and they were saying

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Speaker 6: we're getting in touch with you because you had an

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Speaker 6: outstanding Linked toll which, for those who are not in Victoria,

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Speaker 6: Linked is our toll system, like for most of the

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Speaker 6: roads in Australia all come under Link to the toll roads.

300
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Speaker 6: You had an outstanding debt, it's been passed along to

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Speaker 6: us because it hasn't been paid. You know, go through

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00:12:45,559 --> 00:12:47,839
Speaker 6: looked very legit and you know what, there have been

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Speaker 6: times where I've used tolls and like, my thing hasn't

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Speaker 6: been popped up.

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Speaker 3: In you so you just believe it.

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Speaker 2: Yes, I've literally gotten the same thing.

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Speaker 6: Yeah, So I and I transferred the money out of

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Speaker 6: one of my savers to make the payment, and then

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Speaker 6: I just went I don't remember Like normally i'd get

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Speaker 6: a text from Linked first being like your balance is

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Speaker 6: under like pay your balance whatever, before it would go

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Speaker 6: to collections. I was like, I don't remember getting that,

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Speaker 6: so like.

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Speaker 2: It's not like you to go to collections. You're psychotic

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Speaker 2: with your budgeting.

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Speaker 6: Sly good. So I went to the website and I

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00:13:18,120 --> 00:13:19,719
Speaker 6: like my account was still turned on. I was like,

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Speaker 6: that's really strange, and so then I went to the

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Speaker 6: Recovery's Court website and luckily this must be a really

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Speaker 6: common scam because on their homepage of their website they

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Speaker 6: have we're aware of a scam going around regarding linked invoices.

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Speaker 6: If you have received something, please make sure that it's

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Speaker 6: legitimate before you do it. So then I got on

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Speaker 6: the linked they had like a chat online and I

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Speaker 6: just said, hey, like, I've got this, can you check?

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Speaker 6: And it took like ten minutes, but they're like, no, no,

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Speaker 6: like you've got nothing outstanding. I nearly paid a scammer.

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Speaker 6: Nearly paid because it was like it was, you know

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Speaker 6: how normally the email well, and I checked the email.

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Speaker 6: It was a proper like looking email. It wasn't like

331
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Speaker 6: sexy boy one two three gmail dot com. I'm sorry,

332
00:14:04,320 --> 00:14:08,680
Speaker 6: you looked very real if you read no, I've got

333
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Speaker 6: I've gotten a couple of them.

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Speaker 2: And usually the Telltales sign and Jess you probably saw

335
00:14:13,600 --> 00:14:17,720
Speaker 2: this is usually the URL is foreign, so the URL

336
00:14:17,840 --> 00:14:22,080
Speaker 2: does not send you to the Recovery's Corp website directly.

337
00:14:22,480 --> 00:14:25,680
Speaker 2: And I think that if in doubt, go direct, And

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Speaker 2: I think that that's the best tip here. Like a

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00:14:28,520 --> 00:14:31,800
Speaker 2: bank texts you, they're never actually ever gonna ask for

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00:14:31,840 --> 00:14:35,480
Speaker 2: personal informational details. So like if there is a debt

341
00:14:35,840 --> 00:14:38,400
Speaker 2: with linked goes straight to linked to be like, hey,

342
00:14:38,960 --> 00:14:40,720
Speaker 2: what's this debt about, and they can clear it up.

343
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Speaker 5: You.

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Speaker 2: I would triple check everything at the moment because I'm

345
00:14:43,920 --> 00:14:46,320
Speaker 2: getting so many text messages and I don't know where

346
00:14:46,320 --> 00:14:49,360
Speaker 2: they're getting my number of like you owe this or

347
00:14:49,600 --> 00:14:52,240
Speaker 2: my favorite scam? At the moment, I say favorite just

348
00:14:52,240 --> 00:14:53,880
Speaker 2: because it's in my inbox all the time.

349
00:14:53,880 --> 00:14:54,920
Speaker 3: They're like, we.

350
00:14:54,880 --> 00:14:57,680
Speaker 2: Tried to deliver a parcel and your address was incorrect.

351
00:14:57,760 --> 00:15:00,200
Speaker 2: Click here and it always comes through it for where

352
00:15:00,200 --> 00:15:00,520
Speaker 2: I am.

353
00:15:00,680 --> 00:15:02,440
Speaker 3: And then you look at the url and I go.

354
00:15:03,160 --> 00:15:06,400
Speaker 2: Pretty sure oz Post's website is an oz posty dot com.

355
00:15:07,800 --> 00:15:08,800
Speaker 3: It's not you know.

356
00:15:08,920 --> 00:15:11,760
Speaker 6: Yeah, there's a lot my bank text mean, so there's

357
00:15:11,800 --> 00:15:13,480
Speaker 6: lots of scams. Be careful. So it must be that

358
00:15:13,520 --> 00:15:15,480
Speaker 6: time of year to be did you reminder?

359
00:15:15,960 --> 00:15:20,200
Speaker 2: Reminder? Let's move on though, Miss beck'say ed, yes, Now,

360
00:15:20,320 --> 00:15:22,480
Speaker 2: broke tips are you bringing to this table?

361
00:15:22,920 --> 00:15:25,720
Speaker 4: Very good question? Be so, actually I want to start

362
00:15:25,760 --> 00:15:27,560
Speaker 4: off this is not a broad tip, but I'm a.

363
00:15:28,120 --> 00:15:30,400
Speaker 2: Lot of money in I guess. So let's pretend your

364
00:15:30,400 --> 00:15:34,080
Speaker 2: segment hasn't started and you're just slotting into Jess's. Yeah, okay,

365
00:15:34,600 --> 00:15:36,880
Speaker 2: is that okay, well, will you let beck share a

366
00:15:36,960 --> 00:15:38,200
Speaker 2: money win? I would love that.

367
00:15:38,400 --> 00:15:39,120
Speaker 4: Can I beig back?

368
00:15:39,200 --> 00:15:39,600
Speaker 2: Please?

369
00:15:39,640 --> 00:15:41,600
Speaker 4: Thank you so much, just you're so kind.

370
00:15:42,120 --> 00:15:46,320
Speaker 5: So a few different group chats separately have gone off

371
00:15:46,520 --> 00:15:51,440
Speaker 5: with screenshots of I can't really recall what company this is.

372
00:15:51,480 --> 00:15:53,960
Speaker 5: I'm really sorry, it's probably very unhelpful. But there's so

373
00:15:54,040 --> 00:15:57,040
Speaker 5: many really really cheap return flights to Japan.

374
00:15:57,240 --> 00:15:59,800
Speaker 2: I believe they're flying around everywhere.

375
00:16:00,080 --> 00:16:01,320
Speaker 4: Yeah, like, why is it so cheap?

376
00:16:01,440 --> 00:16:02,840
Speaker 2: I don't know, but let's go to Japan.

377
00:16:03,360 --> 00:16:05,520
Speaker 6: I'm thinking about it.

378
00:16:05,680 --> 00:16:10,040
Speaker 2: I think it's through not to she's on tour, yeah yeah, yeah,

379
00:16:10,160 --> 00:16:10,400
Speaker 2: oh my.

380
00:16:10,640 --> 00:16:12,760
Speaker 6: If anyone out they would like to send us to Japan.

381
00:16:12,800 --> 00:16:15,040
Speaker 2: If anyone even just wants it's like, you know, and

382
00:16:15,080 --> 00:16:17,200
Speaker 2: sometimes Jess I text scroup chat and I say one

383
00:16:17,360 --> 00:16:19,760
Speaker 2: like and I'll have a croissant for lunch, and then

384
00:16:19,800 --> 00:16:23,400
Speaker 2: I like it myself. It's like that anyone d and says, oh,

385
00:16:23,480 --> 00:16:25,440
Speaker 2: we want to see she's on the money in Japan,

386
00:16:25,720 --> 00:16:27,840
Speaker 2: Well we'll just have to do it.

387
00:16:28,120 --> 00:16:29,840
Speaker 5: I feel like it's like one like one prayer, but

388
00:16:29,920 --> 00:16:33,360
Speaker 5: in this instance, it's one comment or one DM saying

389
00:16:33,360 --> 00:16:34,040
Speaker 5: we should go to Japan.

390
00:16:35,000 --> 00:16:35,800
Speaker 4: Go to Japan, but.

391
00:16:35,760 --> 00:16:38,400
Speaker 2: They're so cheap, and I've also seen really cheap return

392
00:16:38,440 --> 00:16:39,560
Speaker 2: flights to Bali.

393
00:16:39,760 --> 00:16:45,040
Speaker 4: Like too hot, too hot, I'm so sorry, give me

394
00:16:45,080 --> 00:16:47,280
Speaker 4: some broke tips then, yes, okay, here we go.

395
00:16:47,600 --> 00:16:49,720
Speaker 5: Okay, So, as usual, we have two from the community,

396
00:16:49,720 --> 00:16:52,400
Speaker 5: one from myself. The first one comes from Kara, my

397
00:16:52,440 --> 00:16:55,840
Speaker 5: friend Kara from Sydney. She said that octical scroup surveys

398
00:16:55,840 --> 00:16:57,600
Speaker 5: are a good way to make extra cash. So I

399
00:16:57,640 --> 00:16:59,800
Speaker 5: know that we have mentioned surveys before, but this is

400
00:16:59,800 --> 00:17:02,160
Speaker 5: the I had heard of octopus group surveys.

401
00:17:02,200 --> 00:17:04,440
Speaker 2: They're pretty popular in the She's on the money community,

402
00:17:04,520 --> 00:17:06,600
Speaker 2: so I think they're legit too. Okay, there you go,

403
00:17:06,680 --> 00:17:07,200
Speaker 2: are you in?

404
00:17:07,400 --> 00:17:10,680
Speaker 4: I literally might jump on there myself after this. Okay.

405
00:17:10,840 --> 00:17:14,080
Speaker 5: So the next one comes from Shell, who says the

406
00:17:14,119 --> 00:17:17,200
Speaker 5: heart of Carlton so food and drinks for five dollars

407
00:17:17,200 --> 00:17:19,680
Speaker 5: and under. This place is actually quite close to my.

408
00:17:19,640 --> 00:17:22,720
Speaker 2: House, so I might check this out money good research

409
00:17:23,359 --> 00:17:25,040
Speaker 2: the podcast, Yes.

410
00:17:25,080 --> 00:17:29,080
Speaker 4: Exactly to treat yourself exactly.

411
00:17:29,680 --> 00:17:33,240
Speaker 5: So my own one. This one might seem a little

412
00:17:33,240 --> 00:17:38,160
Speaker 5: bit common sensical, but I would say, if possible, use

413
00:17:38,320 --> 00:17:42,240
Speaker 5: a good petrol forecasting site. The one that I came

414
00:17:42,280 --> 00:17:46,639
Speaker 5: across was connecting the dots dot com today U Forecasting. Yeah,

415
00:17:46,680 --> 00:17:48,439
Speaker 5: but you can kind of like have a Google and

416
00:17:48,480 --> 00:17:51,520
Speaker 5: see what's out there, as well as obviously petrol spy,

417
00:17:51,640 --> 00:17:54,680
Speaker 5: which we do talk about, and when petrol is low,

418
00:17:55,320 --> 00:17:59,160
Speaker 5: if possible, try and just stock up on jerry Can's obviously.

419
00:17:59,600 --> 00:18:00,760
Speaker 4: Oh no, I've got safety.

420
00:18:01,040 --> 00:18:03,960
Speaker 2: You use those apps. Do exactly what Becky is saying,

421
00:18:04,440 --> 00:18:07,480
Speaker 2: find the cheapest petrol, then go to your seven eleven

422
00:18:07,520 --> 00:18:08,920
Speaker 2: app and lock it in so you don't need a

423
00:18:09,000 --> 00:18:11,280
Speaker 2: jerry Can. You've got the price locked in for the

424
00:18:11,480 --> 00:18:11,960
Speaker 2: next filler.

425
00:18:12,359 --> 00:18:13,879
Speaker 5: Yes, that's true. I think that only lasts like a

426
00:18:13,880 --> 00:18:15,960
Speaker 5: week though. That's okay, but it is. That's all right,

427
00:18:16,040 --> 00:18:18,359
Speaker 5: that's a good deal. Yeah, it really is good. If

428
00:18:18,359 --> 00:18:20,160
Speaker 5: you're going to be using that much petrol in the week,

429
00:18:20,200 --> 00:18:21,919
Speaker 5: it's really good. And even if you're not, like, it's

430
00:18:21,920 --> 00:18:23,959
Speaker 5: still good to just like keeping a little top up,

431
00:18:24,040 --> 00:18:26,040
Speaker 5: just do a top up. But I would say, like, yes,

432
00:18:26,119 --> 00:18:28,439
Speaker 5: store safely, make sure you store safety.

433
00:18:28,400 --> 00:18:31,240
Speaker 2: Do you actually feel jerry cans full of petrol? Backside?

434
00:18:31,480 --> 00:18:33,040
Speaker 5: I do, but only because you know, my best friend

435
00:18:33,119 --> 00:18:36,360
Speaker 5: live has a caravan and that makes sense. I think

436
00:18:36,600 --> 00:18:38,159
Speaker 5: the biggest one where you have is like I don't know,

437
00:18:38,200 --> 00:18:39,320
Speaker 5: fifteen leadles or something.

438
00:18:39,320 --> 00:18:39,880
Speaker 2: But that's good.

439
00:18:39,920 --> 00:18:40,879
Speaker 4: That's like half a tank.

440
00:18:41,080 --> 00:18:42,440
Speaker 2: Yeah, that's a good deal.

441
00:18:42,560 --> 00:18:44,920
Speaker 4: So do that because sometimes it's been too Sometimes it's

442
00:18:44,920 --> 00:18:45,600
Speaker 4: a dollar sixty.

443
00:18:45,640 --> 00:18:47,200
Speaker 2: I don't know if I could trust myself to fill

444
00:18:47,200 --> 00:18:49,000
Speaker 2: a jerry can without tipping it over, if.

445
00:18:48,920 --> 00:18:50,440
Speaker 6: I carried one down the highway before.

446
00:18:50,480 --> 00:18:51,240
Speaker 3: It's not that it's.

447
00:18:53,520 --> 00:18:55,080
Speaker 6: Broke down and we had to walk the petrol station

448
00:18:55,160 --> 00:18:55,800
Speaker 6: there to walk back.

449
00:18:56,640 --> 00:18:57,720
Speaker 3: Hot girl shit only.

450
00:18:58,119 --> 00:18:58,840
Speaker 4: Yeah, that's pretty hot.

451
00:18:58,920 --> 00:19:02,000
Speaker 2: That's pretty good. She's a self sufficient queen. Yeah, all right,

452
00:19:02,080 --> 00:19:04,120
Speaker 2: let's go to a really quick break on the flip side.

453
00:19:04,160 --> 00:19:06,880
Speaker 2: We're going to be talking about one of my favorite topics,

454
00:19:06,920 --> 00:19:10,480
Speaker 2: income protection, and we're also going to be unpacking something

455
00:19:10,480 --> 00:19:12,640
Speaker 2: you slid into our DMS about this week.

456
00:19:12,680 --> 00:19:14,840
Speaker 3: We're talking about giving a friend your hand.

457
00:19:14,680 --> 00:19:17,040
Speaker 2: Me downs and then they sell them on you guys,

458
00:19:17,080 --> 00:19:18,000
Speaker 2: don't go anywhere.

459
00:19:22,680 --> 00:19:25,399
Speaker 6: Welcome back, everybody. Let's take a listen to this week's

460
00:19:25,440 --> 00:19:26,240
Speaker 6: money dilemma.

461
00:19:28,440 --> 00:19:30,840
Speaker 2: Hi, there, have you got a money dilemma you just

462
00:19:30,880 --> 00:19:33,400
Speaker 2: can't solve? The She's on the Money team is here

463
00:19:33,440 --> 00:19:36,640
Speaker 2: to help. Every week, we tackle your dilemmas, both big

464
00:19:36,720 --> 00:19:39,399
Speaker 2: and small, to answer your most burning money, career and

465
00:19:39,480 --> 00:19:42,680
Speaker 2: life questions. To get involved, simply head to our website

466
00:19:42,680 --> 00:19:44,800
Speaker 2: and leave us a short voice recording and you might

467
00:19:44,880 --> 00:19:47,399
Speaker 2: just find yourself on the show. Now, let's take a

468
00:19:47,440 --> 00:19:49,200
Speaker 2: listen to this week's money dilemma.

469
00:19:52,480 --> 00:19:53,480
Speaker 7: Hi, she's on the money.

470
00:19:53,760 --> 00:19:56,480
Speaker 8: I have a question about income protection. I've been seeing

471
00:19:56,520 --> 00:19:59,760
Speaker 8: so much on your socials about the topic, and I

472
00:19:59,840 --> 00:20:01,800
Speaker 8: was wondering if you could shed some light on what

473
00:20:01,840 --> 00:20:04,240
Speaker 8: that would look like for people who already have some

474
00:20:04,359 --> 00:20:05,280
Speaker 8: medical issues.

475
00:20:05,720 --> 00:20:09,040
Speaker 7: I myself had a heart attack last year, and I

476
00:20:09,200 --> 00:20:12,800
Speaker 7: just feel a little bit scared and embarrassed to apply

477
00:20:12,880 --> 00:20:16,040
Speaker 7: for income protection because I'm worried they will just say

478
00:20:16,080 --> 00:20:18,200
Speaker 7: no and I'll feel a bit lost.

479
00:20:18,720 --> 00:20:20,080
Speaker 8: If you could help, that would be great.

480
00:20:20,160 --> 00:20:22,000
Speaker 6: Thank you, don't feel embarrassed.

481
00:20:22,080 --> 00:20:23,200
Speaker 2: Don't feel embarrassed.

482
00:20:23,200 --> 00:20:26,240
Speaker 6: Good thing you're thinking about. It absolutely an anecdote before

483
00:20:26,320 --> 00:20:27,880
Speaker 6: VD takes it away, because I think this is your

484
00:20:27,880 --> 00:20:28,600
Speaker 6: time to shut up.

485
00:20:28,600 --> 00:20:31,080
Speaker 2: It's not I'm not needed around here. That's why you

486
00:20:31,119 --> 00:20:32,439
Speaker 2: guys are like, why don't you just go have a

487
00:20:32,480 --> 00:20:34,520
Speaker 2: baby soon. We don't even want you on the show anymore.

488
00:20:34,600 --> 00:20:35,480
Speaker 4: Yeah, step out of the room.

489
00:20:35,480 --> 00:20:39,800
Speaker 2: Actually, I've got the wheel from here, but one of

490
00:20:39,840 --> 00:20:43,040
Speaker 2: our beautiful community members message just actually this week about

491
00:20:43,359 --> 00:20:45,359
Speaker 2: income protection and how we've been talking about it, and

492
00:20:45,400 --> 00:20:47,520
Speaker 2: they just said how grateful they were because they had

493
00:20:47,600 --> 00:20:50,479
Speaker 2: gotten income protection since listening to the show did they

494
00:20:50,480 --> 00:20:53,600
Speaker 2: actually a little while ago, And unfortunately they were recently

495
00:20:53,640 --> 00:20:57,960
Speaker 2: diagnosed with cancer and they they are now obviously going

496
00:20:58,000 --> 00:21:00,720
Speaker 2: through treatment and we're sending them so much love and

497
00:21:00,760 --> 00:21:03,280
Speaker 2: so many good vibes. But she said that she was

498
00:21:03,320 --> 00:21:05,920
Speaker 2: so grateful because she can just focus on her recovery

499
00:21:05,920 --> 00:21:08,080
Speaker 2: and doing what she needs to do because she has

500
00:21:08,119 --> 00:21:11,560
Speaker 2: her income protection and she's fully sortied. Yeah, Like it

501
00:21:11,600 --> 00:21:15,120
Speaker 2: breaks my heart because these conditions are serious and awful

502
00:21:15,200 --> 00:21:17,840
Speaker 2: and no one should have to experience them, but if

503
00:21:17,840 --> 00:21:21,600
Speaker 2: you are going to experience them, at least you don't

504
00:21:21,680 --> 00:21:22,600
Speaker 2: have to worry about money.

505
00:21:22,880 --> 00:21:25,239
Speaker 6: Like she was so positive. She was like, it's she

506
00:21:25,480 --> 00:21:28,360
Speaker 6: seems like really confident and really positive about her situation.

507
00:21:29,080 --> 00:21:32,240
Speaker 6: And yeah, the fact that she had listened in thought

508
00:21:32,240 --> 00:21:34,200
Speaker 6: and put that in place to be able to put

509
00:21:34,200 --> 00:21:37,159
Speaker 6: herself and I was just it made us so happy

510
00:21:37,200 --> 00:21:40,000
Speaker 6: to hear. Yeah, and we're sending everyone listening to the

511
00:21:40,000 --> 00:21:42,200
Speaker 6: pot right now send her a good thought. Yeah, please

512
00:21:42,200 --> 00:21:42,720
Speaker 6: take a mama.

513
00:21:42,760 --> 00:21:43,600
Speaker 4: I love it totally.

514
00:21:43,680 --> 00:21:45,159
Speaker 2: I love it, and it sounds like you've had a

515
00:21:45,240 --> 00:21:47,240
Speaker 2: rough time. You sound so young and you've had a

516
00:21:47,240 --> 00:21:51,080
Speaker 2: heart attack, Like holy guacamole. One queen behavior getting through that.

517
00:21:51,480 --> 00:21:54,760
Speaker 2: But two, don't be afraid of reaching out for advice

518
00:21:54,800 --> 00:21:58,000
Speaker 2: on income protection or any type of insurance when it

519
00:21:58,000 --> 00:21:59,520
Speaker 2: comes to like personal insurances.

520
00:21:59,600 --> 00:21:59,760
Speaker 6: Right.

521
00:22:00,200 --> 00:22:03,159
Speaker 2: This is why last week I had feel from Skywealth

522
00:22:03,240 --> 00:22:05,280
Speaker 2: on the show, because I want to show you that

523
00:22:05,359 --> 00:22:09,280
Speaker 2: it is not as overwhelming as often can seem. Like Jess,

524
00:22:09,320 --> 00:22:12,840
Speaker 2: you've been through the whole income protection, whole financial advice

525
00:22:12,920 --> 00:22:16,440
Speaker 2: kit and kaboodle with Phil, and I can almost put

526
00:22:16,480 --> 00:22:17,959
Speaker 2: words in your mouth and say it wasn't nearly as

527
00:22:17,960 --> 00:22:18,960
Speaker 2: overwhelming as you thought.

528
00:22:18,840 --> 00:22:19,239
Speaker 3: It would be.

529
00:22:19,720 --> 00:22:23,439
Speaker 2: So the thing with your pre existing condition, which is

530
00:22:23,440 --> 00:22:25,439
Speaker 2: what it's going to be seen as, is yes, you

531
00:22:25,480 --> 00:22:27,560
Speaker 2: are correct. That is a conversation that is going to

532
00:22:27,600 --> 00:22:30,160
Speaker 2: have to come up. This is why I would never

533
00:22:30,359 --> 00:22:32,879
Speaker 2: ask you or recommend that you go and get a

534
00:22:32,960 --> 00:22:35,679
Speaker 2: retail policy on your own. I need you to go

535
00:22:35,720 --> 00:22:39,080
Speaker 2: and talk to a good financial advisor about this because

536
00:22:39,080 --> 00:22:41,680
Speaker 2: that is a pre existing condition that you are correct

537
00:22:42,160 --> 00:22:46,040
Speaker 2: will hinder your application, but it does not mean it

538
00:22:46,080 --> 00:22:49,120
Speaker 2: will be declined. It means that there is very likely

539
00:22:49,200 --> 00:22:52,960
Speaker 2: going to be an exclusion on your policy. So this

540
00:22:53,040 --> 00:22:56,159
Speaker 2: is going to sound really awful, But you might have

541
00:22:56,280 --> 00:22:57,640
Speaker 2: something else happen to you.

542
00:22:57,640 --> 00:22:59,680
Speaker 3: You might end up ultimately and.

543
00:22:59,640 --> 00:23:01,720
Speaker 2: Let's say it was yesterday, because we would never ill

544
00:23:01,760 --> 00:23:04,880
Speaker 2: wish something into the future, but yesterday you were diagnosed

545
00:23:04,920 --> 00:23:08,200
Speaker 2: with cancer, even though you have had a pre existing

546
00:23:08,200 --> 00:23:10,480
Speaker 2: condition of a heart attack. If we know that they

547
00:23:10,520 --> 00:23:14,640
Speaker 2: aren't linked, you will usually still be covered under income protection,

548
00:23:15,080 --> 00:23:18,840
Speaker 2: same with mental health, same with everything else. You might

549
00:23:18,880 --> 00:23:21,960
Speaker 2: get an exclusion and they'll say, look, let's use Jess

550
00:23:21,960 --> 00:23:24,680
Speaker 2: as an example, because I'm happy to divulge her personal

551
00:23:25,160 --> 00:23:28,280
Speaker 2: you know, information on me here, right, So, Jess, I

552
00:23:28,359 --> 00:23:30,600
Speaker 2: know that one of your knees is excluded because you

553
00:23:30,720 --> 00:23:33,560
Speaker 2: had a pre existing condition in it. That is just

554
00:23:33,640 --> 00:23:35,880
Speaker 2: your Is it your left knee, it's your right knee. Left,

555
00:23:35,920 --> 00:23:38,560
Speaker 2: it's your left knee. So Jess, if something happens to

556
00:23:38,600 --> 00:23:41,920
Speaker 2: her left knee, your insurer is going to say, look, Jess, Rudy,

557
00:23:42,000 --> 00:23:43,600
Speaker 2: it was a bit bung already.

558
00:23:44,080 --> 00:23:45,000
Speaker 3: We're not going to cover that.

559
00:23:45,080 --> 00:23:47,159
Speaker 2: But if something happened to your right knee, they're going

560
00:23:47,240 --> 00:23:50,040
Speaker 2: to cover that, right and the same with your heart attack.

561
00:23:50,280 --> 00:23:53,120
Speaker 2: They're going to say, look, I'm so sorry that that happened.

562
00:23:53,480 --> 00:23:57,920
Speaker 2: We will offer you a completely comprehensive policy, but not

563
00:23:58,040 --> 00:24:00,560
Speaker 2: include heart attack. So anything could happen and you will

564
00:24:00,560 --> 00:24:03,120
Speaker 2: look after you. But because you have already had one

565
00:24:03,160 --> 00:24:05,479
Speaker 2: heart attack, and at the end of the day, we

566
00:24:05,520 --> 00:24:07,480
Speaker 2: do a lot of underwriting and we look at the risk.

567
00:24:08,119 --> 00:24:11,199
Speaker 2: There's a probability that you'll have another heart attack, and

568
00:24:11,400 --> 00:24:13,119
Speaker 2: we don't really want to take that risk on. So

569
00:24:13,160 --> 00:24:15,959
Speaker 2: we'll help you in every other which way. But if

570
00:24:16,000 --> 00:24:18,320
Speaker 2: you have another heart attack, you can't claim on this policy,

571
00:24:18,520 --> 00:24:21,440
Speaker 2: and you might go Great. That works for me because

572
00:24:21,440 --> 00:24:23,720
Speaker 2: I actually want to make sure that I'm covered holistically

573
00:24:23,760 --> 00:24:25,879
Speaker 2: in the rest of my life. The heart attack thing,

574
00:24:26,040 --> 00:24:29,480
Speaker 2: it really bloody sucks that it's excluded. And that's why

575
00:24:29,520 --> 00:24:34,000
Speaker 2: I always implore people to get income protection and their

576
00:24:34,040 --> 00:24:38,359
Speaker 2: life insurance and everything set up before something happens, because

577
00:24:38,359 --> 00:24:41,080
Speaker 2: no one wants a major life event. No one expects

578
00:24:41,160 --> 00:24:43,119
Speaker 2: that to happen to them, like no one wants to

579
00:24:43,119 --> 00:24:46,040
Speaker 2: have a bung knee from playing sport. But the younger

580
00:24:46,080 --> 00:24:47,640
Speaker 2: you get it, the more likely you are to get

581
00:24:47,640 --> 00:24:50,240
Speaker 2: a policy that has absolutely no exclusions. But now you're

582
00:24:50,280 --> 00:24:53,119
Speaker 2: in this position, I would absolutely be sitting down with

583
00:24:53,200 --> 00:24:55,920
Speaker 2: someone like Phil and saying, hey, have had a heart attack.

584
00:24:55,960 --> 00:24:57,800
Speaker 3: How do I protect myself from everything else?

585
00:24:58,000 --> 00:25:01,000
Speaker 2: Yeah, and that is definitely f No one's going to

586
00:25:01,040 --> 00:25:03,760
Speaker 2: decline it based on that, and a good financial advisor

587
00:25:04,119 --> 00:25:06,080
Speaker 2: is going to go right. You're kind of a special

588
00:25:06,119 --> 00:25:08,760
Speaker 2: case because you do have a really big pre existing condition.

589
00:25:09,000 --> 00:25:10,119
Speaker 3: They're going to shop it around.

590
00:25:10,400 --> 00:25:14,000
Speaker 2: They're not going to submit an application that ultimately gets declined.

591
00:25:14,440 --> 00:25:17,840
Speaker 2: I do not know a financial advisor who would knowingly

592
00:25:17,880 --> 00:25:21,000
Speaker 2: submit an application that could get declined. And I've even

593
00:25:21,040 --> 00:25:23,960
Speaker 2: been in the position as the financial advisor when I

594
00:25:24,119 --> 00:25:26,639
Speaker 2: was one where I had submitted an application for a client.

595
00:25:27,240 --> 00:25:29,480
Speaker 2: They had told me that they had told me everything.

596
00:25:29,760 --> 00:25:31,880
Speaker 2: And I get a call from the underwriter and they're like, hey,

597
00:25:32,000 --> 00:25:35,080
Speaker 2: so we requested their medical history and this pre existing

598
00:25:35,080 --> 00:25:37,359
Speaker 2: condition came up. Were you privy to that because it

599
00:25:37,440 --> 00:25:40,080
Speaker 2: wasn't in their application form? And I go, no, please

600
00:25:40,160 --> 00:25:41,879
Speaker 2: let me get back to you. And so then I

601
00:25:41,920 --> 00:25:44,440
Speaker 2: call the client and say, hey, client, you know, Jess,

602
00:25:44,720 --> 00:25:47,119
Speaker 2: you didn't tell me about your knee and that's actually

603
00:25:47,160 --> 00:25:49,439
Speaker 2: just come up in underwriting. The underwriter has called me

604
00:25:49,480 --> 00:25:51,120
Speaker 2: and said, hey, this has come up, but you didn't

605
00:25:51,119 --> 00:25:53,400
Speaker 2: disclose it, like what's going on? And then I can

606
00:25:53,440 --> 00:25:56,280
Speaker 2: have a conversation with you about what we do moving forward.

607
00:25:56,600 --> 00:25:58,800
Speaker 2: And then usually in that situation, I'll call the underwriter

608
00:25:58,880 --> 00:26:00,800
Speaker 2: back at the insurance company like, hey, I've had a

609
00:26:00,880 --> 00:26:04,200
Speaker 2: chat with the client, like it's not ongoing, what's your

610
00:26:04,240 --> 00:26:07,600
Speaker 2: probability of declining this application because of my client's knee,

611
00:26:07,600 --> 00:26:09,160
Speaker 2: And they'll go, oh, look, it's just a knee. We'll

612
00:26:09,160 --> 00:26:12,800
Speaker 2: probably you know, probably won't do anything. We'll just exclude

613
00:26:12,800 --> 00:26:13,840
Speaker 2: it and so we're not going to cover it and

614
00:26:13,920 --> 00:26:16,400
Speaker 2: go Okay, no worries. That's the outcome I was expecting.

615
00:26:16,960 --> 00:26:19,280
Speaker 2: Or they might go, well, actually that's a really big thing,

616
00:26:19,400 --> 00:26:21,480
Speaker 2: you know, at the moment, we're really cracking down on

617
00:26:21,520 --> 00:26:23,920
Speaker 2: this that the other. And then as the financial advisor,

618
00:26:24,000 --> 00:26:26,200
Speaker 2: I have said, okay, well, at this point, I would

619
00:26:26,240 --> 00:26:28,560
Speaker 2: like to withdraw my application and I'm going to go

620
00:26:28,600 --> 00:26:32,520
Speaker 2: back and speak to my client potentially change insurers because

621
00:26:32,560 --> 00:26:34,520
Speaker 2: I do not want my client to get a decline.

622
00:26:35,000 --> 00:26:37,440
Speaker 2: I do not want that on their record. And Jess,

623
00:26:37,480 --> 00:26:39,240
Speaker 2: as you would know, you filled out forms. One of

624
00:26:39,240 --> 00:26:41,960
Speaker 2: the questions they ask is have you ever been declined

625
00:26:42,080 --> 00:26:45,720
Speaker 2: insurance from another insurer before? And you have to disclose

626
00:26:45,760 --> 00:26:48,840
Speaker 2: that and if I withdraw your application because I'm on

627
00:26:48,920 --> 00:26:51,359
Speaker 2: top of it, you say, well, no, no, I haven't

628
00:26:51,400 --> 00:26:51,920
Speaker 2: been decliented.

629
00:26:52,000 --> 00:26:52,560
Speaker 6: Yeah. Never.

630
00:26:53,080 --> 00:26:54,960
Speaker 2: So I think it's really important to work with a

631
00:26:54,960 --> 00:26:58,280
Speaker 2: good financial advisor that has your back but also has

632
00:26:58,680 --> 00:27:01,320
Speaker 2: a really good relationship with those insurers. Because Jess I

633
00:27:01,440 --> 00:27:04,199
Speaker 2: might go all right, well, sorry, I know I recommended Zurich,

634
00:27:04,520 --> 00:27:06,440
Speaker 2: but that was because you didn't tell me you had

635
00:27:06,440 --> 00:27:09,600
Speaker 2: this condition. Let me go redo my applications and this

636
00:27:09,640 --> 00:27:11,680
Speaker 2: time we're going to apply with MLC, or we might

637
00:27:11,680 --> 00:27:15,480
Speaker 2: apply with AIA or a different insurer because I know

638
00:27:15,560 --> 00:27:17,200
Speaker 2: that their policy is a little bit different or a

639
00:27:17,240 --> 00:27:19,480
Speaker 2: little bit more flexible, or you know, we can ask

640
00:27:19,520 --> 00:27:21,879
Speaker 2: for an exclusion on that before they enforce it. So

641
00:27:21,920 --> 00:27:24,040
Speaker 2: I think that's a very long way of saying, please

642
00:27:24,080 --> 00:27:26,400
Speaker 2: just talk to a financial advisor. It's not silly, it's

643
00:27:26,400 --> 00:27:29,080
Speaker 2: not dumb. In fact, it's putting future you in the

644
00:27:29,080 --> 00:27:35,359
Speaker 2: best possible position. Yeah, yep, amen, true, that's what I meant.

645
00:27:35,560 --> 00:27:40,200
Speaker 3: Should we dive in, I'm ready, are you ready, absolutely ready?

646
00:27:40,320 --> 00:27:43,080
Speaker 2: Drop yourselves in. We have the DM of the week.

647
00:27:43,480 --> 00:27:46,359
Speaker 2: All right, here's the DM we received. Hello, she's on

648
00:27:46,400 --> 00:27:49,280
Speaker 2: the money. So I'm moving overseas and was doing a

649
00:27:49,320 --> 00:27:52,679
Speaker 2: big wardrobe chuck out as I can't take everything with me.

650
00:27:53,200 --> 00:27:55,040
Speaker 2: One of my best friends was over at the time

651
00:27:55,240 --> 00:27:57,280
Speaker 2: and she loved so many of the items I was

652
00:27:57,280 --> 00:27:59,600
Speaker 2: getting rid of. I was planning on dropping them all

653
00:27:59,600 --> 00:28:01,879
Speaker 2: off at my local Salvos as I am moving in

654
00:28:01,920 --> 00:28:04,080
Speaker 2: a couple of weeks and don't have time to bother

655
00:28:04,119 --> 00:28:06,840
Speaker 2: selling any of it. So when she said she loved

656
00:28:06,880 --> 00:28:09,040
Speaker 2: the items, I told her to just have them, as

657
00:28:09,040 --> 00:28:11,479
Speaker 2: I was going to give them away anyways. They were

658
00:28:11,520 --> 00:28:14,680
Speaker 2: pretty good quality things. Address and a skirt from Age,

659
00:28:15,000 --> 00:28:18,080
Speaker 2: a bunch of country road items, shoes from Tony Bianco.

660
00:28:18,320 --> 00:28:21,119
Speaker 2: You get the point. It was pretty nice stuff. Turns

661
00:28:21,160 --> 00:28:23,640
Speaker 2: out she didn't actually quote love it all that much,

662
00:28:23,760 --> 00:28:26,119
Speaker 2: as she went and sold all of it on Facebook

663
00:28:26,160 --> 00:28:28,040
Speaker 2: and made herself some cash.

664
00:28:28,440 --> 00:28:29,200
Speaker 3: I'm so mad.

665
00:28:29,400 --> 00:28:31,800
Speaker 2: I kindly gave her these items that could have gone

666
00:28:31,840 --> 00:28:34,360
Speaker 2: to a much better cause at the Salvos and she's

667
00:28:34,480 --> 00:28:37,280
Speaker 2: just made money off my old stuff. I feel like

668
00:28:37,320 --> 00:28:40,000
Speaker 2: I should be getting fifty percent of her profit. Question

669
00:28:40,080 --> 00:28:43,280
Speaker 2: mark exclamation mark, question mark do you think she's in

670
00:28:43,320 --> 00:28:45,479
Speaker 2: the wrong, and how do I actually bring this up

671
00:28:45,520 --> 00:28:45,880
Speaker 2: with her?

672
00:28:48,280 --> 00:28:49,400
Speaker 4: This is a bit gussy.

673
00:28:50,440 --> 00:28:51,520
Speaker 3: Look at your little pie.

674
00:28:51,640 --> 00:28:53,160
Speaker 2: You're spicy, spicy.

675
00:28:53,440 --> 00:28:54,080
Speaker 4: I love this.

676
00:28:54,600 --> 00:28:57,560
Speaker 5: I would say, I don't think she has any Maybe

677
00:28:57,600 --> 00:28:59,440
Speaker 5: she can't get any of the money. I would say,

678
00:28:59,440 --> 00:29:02,840
Speaker 5: I would just be like that does feel a bit sneaky, though,

679
00:29:02,880 --> 00:29:04,880
Speaker 5: doesn't it to Like it feels a bit manipulative to

680
00:29:04,920 --> 00:29:06,640
Speaker 5: be like, oh my god, those clothes are so nice.

681
00:29:06,800 --> 00:29:10,240
Speaker 5: But if you kind of came in and said up front,

682
00:29:10,360 --> 00:29:12,440
Speaker 5: or if your friend had set up front, like, hey,

683
00:29:12,480 --> 00:29:14,680
Speaker 5: I'll take these off your hands, I'll sell them because

684
00:29:14,680 --> 00:29:16,760
Speaker 5: they actually are really really good, Like if you can't be.

685
00:29:16,800 --> 00:29:19,240
Speaker 2: By, can I, But then you would have at least

686
00:29:19,320 --> 00:29:21,560
Speaker 2: had the ability to go no, no, no, Like you know,

687
00:29:21,640 --> 00:29:23,640
Speaker 2: I can't be bothered selling them. Actually kind of want

688
00:29:23,680 --> 00:29:25,200
Speaker 2: them to go to the Salvos. That's going to a

689
00:29:25,200 --> 00:29:27,840
Speaker 2: good cause. Like that's a different I don't know, I

690
00:29:27,840 --> 00:29:31,120
Speaker 2: feel like that's a different story that you had choice in. Yeah,

691
00:29:31,120 --> 00:29:33,400
Speaker 2: but ultimately you gave them to her because she loved them,

692
00:29:33,480 --> 00:29:35,080
Speaker 2: so she can kind of now do what she wants

693
00:29:35,080 --> 00:29:36,000
Speaker 2: with them, I suppose.

694
00:29:36,440 --> 00:29:36,600
Speaker 5: Yeah.

695
00:29:36,640 --> 00:29:38,440
Speaker 6: I see That's where I'm torn because like part of

696
00:29:38,520 --> 00:29:41,000
Speaker 6: me feels like this is how I feel about regifting,

697
00:29:41,080 --> 00:29:42,920
Speaker 6: in the sense that once you give something to someone,

698
00:29:42,960 --> 00:29:45,080
Speaker 6: they can do whatever they want with it. Yes, ye jui.

699
00:29:45,200 --> 00:29:47,120
Speaker 6: And so I'm kind of torn because pardon me, says

700
00:29:47,120 --> 00:29:49,400
Speaker 6: you know what, like, particularly because you were going to

701
00:29:49,480 --> 00:29:51,480
Speaker 6: give it away anyway. I think if you were selling

702
00:29:51,520 --> 00:29:53,200
Speaker 6: it and your friend said, oh, I really like that,

703
00:29:53,200 --> 00:29:54,640
Speaker 6: I'd love to buy it off you, and you said,

704
00:29:54,640 --> 00:29:57,480
Speaker 6: oh nah, they just have it, like you're mean happy

705
00:29:57,480 --> 00:29:59,280
Speaker 6: for you to take it, I think I would feel

706
00:29:59,280 --> 00:30:04,000
Speaker 6: differently about that. But because you were giving it away anyway,

707
00:30:04,280 --> 00:30:08,040
Speaker 6: your outcome really hasn't been that different. But I also

708
00:30:08,080 --> 00:30:12,120
Speaker 6: can completely understand how you feel, like, you know, maybe

709
00:30:12,120 --> 00:30:13,720
Speaker 6: you wish she had just set it up front, like

710
00:30:13,720 --> 00:30:16,440
Speaker 6: if that was the plan, tell me that that's the plan. Yeah,

711
00:30:16,480 --> 00:30:19,200
Speaker 6: I'm so torn because, yeah, I think that when someone

712
00:30:19,200 --> 00:30:20,720
Speaker 6: has something, that's out of your hands as to what

713
00:30:20,760 --> 00:30:23,840
Speaker 6: they do with it. But at the same time, it

714
00:30:23,960 --> 00:30:25,680
Speaker 6: is a little sneaky. And if it had been one

715
00:30:25,760 --> 00:30:27,600
Speaker 6: thing I guess too, like maybe she'd try it on

716
00:30:27,640 --> 00:30:30,320
Speaker 6: a dress and it didn't fit her and she was like, oh, well,

717
00:30:30,320 --> 00:30:33,320
Speaker 6: maybe I'll sell it on. I mean, she could have

718
00:30:33,320 --> 00:30:36,400
Speaker 6: given it away, but I don't know. I'm really into

719
00:30:36,440 --> 00:30:37,320
Speaker 6: minds on this one.

720
00:30:37,520 --> 00:30:40,960
Speaker 2: I don't know, Jesse. If I gifted your address and said, hey,

721
00:30:41,400 --> 00:30:44,560
Speaker 2: don't need this anymore or whatever it is, and then

722
00:30:44,600 --> 00:30:46,080
Speaker 2: you took it home and tried it on and it

723
00:30:46,120 --> 00:30:48,840
Speaker 2: didn't fit, I feel like you would call yeah, like,

724
00:30:48,920 --> 00:30:50,600
Speaker 2: oh it didn't fit. Do you want me to return it?

725
00:30:50,760 --> 00:30:50,960
Speaker 6: Yeah?

726
00:30:52,840 --> 00:30:55,400
Speaker 2: Whatever? Yeah, I just I feel like it's the lack

727
00:30:55,440 --> 00:31:01,320
Speaker 2: of communication that feels relatively inauthentic, like you too, but.

728
00:31:01,320 --> 00:31:03,640
Speaker 6: I really love it. And then that I guess, yeah,

729
00:31:03,640 --> 00:31:04,160
Speaker 6: that is a bit.

730
00:31:04,440 --> 00:31:06,640
Speaker 2: That's the extra thing you didn't just I don't know

731
00:31:06,640 --> 00:31:09,320
Speaker 2: because I've done this before where I've been like, oh, Jess,

732
00:31:09,400 --> 00:31:11,200
Speaker 2: you take it. I'm never gonna wear this, like I

733
00:31:11,200 --> 00:31:13,200
Speaker 2: don't even care, Like I just want to get rid

734
00:31:13,200 --> 00:31:15,360
Speaker 2: of it, can't be bothered. Yeah, if I then saw

735
00:31:15,400 --> 00:31:18,600
Speaker 2: that online, I wouldn't care so much. But because you know,

736
00:31:18,720 --> 00:31:21,040
Speaker 2: if you'd been lubing me up for say.

737
00:31:21,760 --> 00:31:22,000
Speaker 6: No, but.

738
00:31:24,880 --> 00:31:27,320
Speaker 2: Would I love it? But if you had Bee and

739
00:31:27,360 --> 00:31:30,800
Speaker 2: you said, oh I really love that Bee, and I go, oh, well, Jess,

740
00:31:30,840 --> 00:31:33,640
Speaker 2: you can have it, I'm sorry, what do you mean

741
00:31:33,680 --> 00:31:36,959
Speaker 2: you love it so that it can line your pockets.

742
00:31:36,280 --> 00:31:38,480
Speaker 6: Well, especially the expensive stuff. I guess because you use

743
00:31:38,520 --> 00:31:40,240
Speaker 6: that example, like you have given me a few of

744
00:31:40,280 --> 00:31:41,880
Speaker 6: your like nicer dresses.

745
00:31:41,960 --> 00:31:43,760
Speaker 3: And I congess is like, and then I went and

746
00:31:43,800 --> 00:31:44,400
Speaker 3: sold them.

747
00:31:45,400 --> 00:31:47,680
Speaker 6: And I love them and I wear them and like

748
00:31:47,720 --> 00:31:50,640
Speaker 6: they're Yeah, I guess, like the price point maybe could be.

749
00:31:50,680 --> 00:31:52,400
Speaker 6: It's not as if it was a twenty dollars cotton

750
00:31:52,400 --> 00:31:52,800
Speaker 6: on dressed.

751
00:31:52,800 --> 00:31:54,360
Speaker 2: To you know, if I give you something, you sell it.

752
00:31:54,400 --> 00:31:57,000
Speaker 2: I don't care, just personally like you go you do you?

753
00:31:57,120 --> 00:31:58,040
Speaker 3: Yeah, good father?

754
00:31:58,080 --> 00:32:02,560
Speaker 6: That way, I'll take all my listings off deep No,

755
00:32:02,680 --> 00:32:04,200
Speaker 6: but yeah, like I can see that. And I guess

756
00:32:04,240 --> 00:32:06,880
Speaker 6: it depends on time to like if someone given it

757
00:32:06,880 --> 00:32:08,360
Speaker 6: to her and she'd warn it and it had been

758
00:32:08,360 --> 00:32:09,800
Speaker 6: a while, maybe, I don't know.

759
00:32:10,200 --> 00:32:10,760
Speaker 3: It's a lot of.

760
00:32:10,720 --> 00:32:11,280
Speaker 6: Pray for me.

761
00:32:11,400 --> 00:32:13,960
Speaker 2: But to steal it down, yes, to steal it down

762
00:32:14,040 --> 00:32:15,920
Speaker 2: and make a few assumptions so that we can have

763
00:32:16,040 --> 00:32:20,920
Speaker 2: a more clear opinion. This happened within a week, I reckon.

764
00:32:21,160 --> 00:32:23,800
Speaker 2: So let's pretend you were cleaning out your clothes and

765
00:32:23,840 --> 00:32:25,800
Speaker 2: the week after you saw them online, you saw them

766
00:32:25,800 --> 00:32:26,760
Speaker 2: on Facebook and deep hoop.

767
00:32:27,440 --> 00:32:29,480
Speaker 6: I probably would be a bit missed. I'm not gonna

768
00:32:29,480 --> 00:32:31,040
Speaker 6: lie as much as you wait for me to leave

769
00:32:31,080 --> 00:32:35,320
Speaker 6: the country, like as much as I yeah, Like logically,

770
00:32:35,320 --> 00:32:37,520
Speaker 6: there's all of those other things. I think I probably would.

771
00:32:37,520 --> 00:32:39,600
Speaker 2: If it was months, I'd be like, well, they were

772
00:32:39,640 --> 00:32:42,480
Speaker 2: their items that they wore, but let's pretend it was

773
00:32:42,480 --> 00:32:44,640
Speaker 2: a week. I feel like that's a bit calculated and

774
00:32:44,680 --> 00:32:46,720
Speaker 2: your friend didn't do it. But the question was how

775
00:32:46,720 --> 00:32:48,120
Speaker 2: do I bring it up? Do I bring it up?

776
00:32:48,560 --> 00:32:51,920
Speaker 4: I don't think you can. This is the thing I

777
00:32:52,080 --> 00:32:52,760
Speaker 4: would bring it up.

778
00:32:52,760 --> 00:32:54,560
Speaker 5: I would bring it up because it feels like, especially

779
00:32:54,560 --> 00:32:56,280
Speaker 5: if you intent on being a friend with this person

780
00:32:56,280 --> 00:33:01,280
Speaker 5: for life, because it's technically on payge, but nothing they're

781
00:33:01,280 --> 00:33:05,600
Speaker 5: doing is illegal. They're allowed to do all of these things.

782
00:33:06,040 --> 00:33:10,080
Speaker 5: But it's so for me the pit of my belly,

783
00:33:10,480 --> 00:33:13,880
Speaker 5: it's saying that it's manipulative, it's yucky. It feels like

784
00:33:13,920 --> 00:33:16,680
Speaker 5: they lied about something. It feels like they literally performed

785
00:33:16,720 --> 00:33:18,840
Speaker 5: in front of you, so you would give them your

786
00:33:18,880 --> 00:33:22,400
Speaker 5: clothes and just because they had the intention, let's say this,

787
00:33:22,440 --> 00:33:23,080
Speaker 5: how would you do it?

788
00:33:23,720 --> 00:33:24,440
Speaker 3: How would you do it?

789
00:33:24,520 --> 00:33:26,000
Speaker 5: I think I would just I would mess them or

790
00:33:26,040 --> 00:33:27,680
Speaker 5: if I'm going to see them in person, be better,

791
00:33:27,880 --> 00:33:30,560
Speaker 5: just like kind of like do it gently, but hey,

792
00:33:30,640 --> 00:33:32,520
Speaker 5: I noticed that you're selling literally all the clothes that

793
00:33:32,560 --> 00:33:35,120
Speaker 5: you said you wanted to wear, which is totally fine.

794
00:33:35,240 --> 00:33:37,240
Speaker 5: I just want to know, if my own peace of mind,

795
00:33:37,560 --> 00:33:39,600
Speaker 5: was this your intention all along or did you have

796
00:33:39,640 --> 00:33:41,600
Speaker 5: a change of heart last minute, Because if it's change

797
00:33:41,600 --> 00:33:45,400
Speaker 5: of heart last minute, I'm comfortable with this dynamic.

798
00:33:45,760 --> 00:33:47,200
Speaker 4: But if it was on your.

799
00:33:47,120 --> 00:33:50,120
Speaker 5: Mind the whole time, I feel very uncomfortable knowing that

800
00:33:50,120 --> 00:33:52,760
Speaker 5: we were sat in that room together, you were kind

801
00:33:52,760 --> 00:33:55,520
Speaker 5: of like doing this whole song and dance theatrical thing.

802
00:33:55,840 --> 00:33:59,040
Speaker 5: Those clothes are so lovely lying to me. That's a

803
00:33:59,280 --> 00:34:01,520
Speaker 5: very uncommonfortable feeling, and I.

804
00:34:01,400 --> 00:34:03,640
Speaker 2: Can't No one wants to feel like they're being allaed to,

805
00:34:03,960 --> 00:34:06,640
Speaker 2: like not one person totally. I'd just be petty and

806
00:34:06,680 --> 00:34:08,359
Speaker 2: screenshot and send it to them and be like, would

807
00:34:08,400 --> 00:34:14,000
Speaker 2: you take fifty bucks? But yeah, true, like I love

808
00:34:14,040 --> 00:34:16,919
Speaker 2: this too, Like it's a bit expensive, though, don't you reckon?

809
00:34:17,719 --> 00:34:21,839
Speaker 6: I can I get any shit you down? They got

810
00:34:21,840 --> 00:34:25,040
Speaker 6: fifty seventy, we do fifty?

811
00:34:25,080 --> 00:34:26,120
Speaker 2: Will you do free?

812
00:34:27,160 --> 00:34:27,399
Speaker 6: Yeah?

813
00:34:27,480 --> 00:34:28,280
Speaker 4: Ideally free?

814
00:34:28,360 --> 00:34:30,880
Speaker 5: But also, like you know, there's a function like when

815
00:34:30,880 --> 00:34:32,960
Speaker 5: you're actually uploading things on the marketplace, you can say

816
00:34:33,160 --> 00:34:35,080
Speaker 5: you can for your friends.

817
00:34:34,719 --> 00:34:38,400
Speaker 6: Yes, Like that also makes you think maybe it wasn't

818
00:34:38,640 --> 00:34:39,960
Speaker 6: maybe they think about it.

819
00:34:40,120 --> 00:34:42,520
Speaker 5: I think it was malicious, And so there's a whole

820
00:34:42,600 --> 00:34:43,680
Speaker 5: nother kettle of fish.

821
00:34:43,960 --> 00:34:47,520
Speaker 2: Maybe your friend is just a bit daft, Like there

822
00:34:47,520 --> 00:34:49,840
Speaker 2: could be a few things. So we asked the community.

823
00:34:49,880 --> 00:34:52,000
Speaker 2: We said, do you think your friend is in the wrong.

824
00:34:52,560 --> 00:34:54,439
Speaker 2: It's not going to come as a surprise eighty six

825
00:34:54,480 --> 00:34:57,200
Speaker 2: percent if you said yes, one hundred percent. What she

826
00:34:57,320 --> 00:35:01,640
Speaker 2: did feels very calculated. We then asked, do you think

827
00:35:01,680 --> 00:35:04,120
Speaker 2: the friends should split the money she made? So that

828
00:35:04,239 --> 00:35:07,759
Speaker 2: was another layer to the conversation that I don't think so.

829
00:35:08,239 --> 00:35:08,279
Speaker 1: No.

830
00:35:08,880 --> 00:35:11,040
Speaker 2: So like you didn't do any of the work. You

831
00:35:11,080 --> 00:35:13,839
Speaker 2: gave it away essentially for free, which you were going

832
00:35:13,880 --> 00:35:15,800
Speaker 2: to you anyway, which we were going to do anyway.

833
00:35:16,080 --> 00:35:18,480
Speaker 2: You said you couldn't be bothered selling it, which tells

834
00:35:18,520 --> 00:35:21,520
Speaker 2: me that you never saw any financial gain in this,

835
00:35:21,680 --> 00:35:24,440
Speaker 2: but now you've seen somebody else have financial gain. It's

836
00:35:24,480 --> 00:35:26,120
Speaker 2: kind of like the question of like, if I gave

837
00:35:26,160 --> 00:35:27,560
Speaker 2: you a lot of ticket Jess, and you want one

838
00:35:27,600 --> 00:35:31,120
Speaker 2: hundred million dollars, do I get anything? Yeah, Like I

839
00:35:31,160 --> 00:35:34,400
Speaker 2: gave the gift out of my own free will, but

840
00:35:34,560 --> 00:35:37,759
Speaker 2: now you've benefited more significantly than I have.

841
00:35:38,000 --> 00:35:40,080
Speaker 6: Like I've heard he having families having fights when they

842
00:35:40,080 --> 00:35:41,880
Speaker 6: get like a scratchy and they're stocking on Christmas and

843
00:35:41,880 --> 00:35:43,799
Speaker 6: someone wins like five hundred bucks and they go, oh,

844
00:35:43,880 --> 00:35:46,960
Speaker 6: well I bought that, And so you're totally right, like

845
00:35:46,960 --> 00:35:47,719
Speaker 6: it's the gift thing.

846
00:35:48,000 --> 00:35:50,160
Speaker 2: Yeah, like it's the gift thing. You should be giving

847
00:35:50,200 --> 00:35:54,480
Speaker 2: a gift with absolutely no expectation of reciprocation, I think.

848
00:35:54,680 --> 00:35:56,640
Speaker 2: But we did say, do you think the friends should

849
00:35:56,640 --> 00:35:58,920
Speaker 2: split the money she made? Forty five percent of you

850
00:35:58,960 --> 00:36:01,520
Speaker 2: said yeah, it's the right thing to do, seven percent

851
00:36:01,600 --> 00:36:03,520
Speaker 2: said nope, she did all the work to sell them,

852
00:36:03,719 --> 00:36:06,319
Speaker 2: and forty eight percent said she doesn't have to, but

853
00:36:06,560 --> 00:36:08,960
Speaker 2: she should at least offer like the friends should offer,

854
00:36:09,680 --> 00:36:12,360
Speaker 2: which is so fair. And then my favorite part was

855
00:36:12,840 --> 00:36:15,239
Speaker 2: what would you say to your friend if this was you.

856
00:36:15,840 --> 00:36:18,319
Speaker 2: We said, ah, I should have gotten you to run

857
00:36:18,400 --> 00:36:20,759
Speaker 2: a wardrobe sale for me. Didn't realize you were.

858
00:36:20,680 --> 00:36:21,200
Speaker 3: Keen on it.

859
00:36:21,640 --> 00:36:23,040
Speaker 6: Oh my gosh.

860
00:36:23,760 --> 00:36:26,880
Speaker 2: This is my favorite bart because these women in my

861
00:36:26,960 --> 00:36:30,120
Speaker 2: DMS right now, they're as petty as I am. Welcome Queen.

862
00:36:31,040 --> 00:36:33,319
Speaker 2: Someone else said, glad you found a good home for

863
00:36:33,360 --> 00:36:36,160
Speaker 2: the clothes. Would you be up for joint charity donation?

864
00:36:37,160 --> 00:36:38,280
Speaker 6: That's a good happy medium.

865
00:36:38,440 --> 00:36:43,399
Speaker 2: Someone said, been nice knowing you. Someone said it would

866
00:36:43,400 --> 00:36:45,879
Speaker 2: be over simple as that. Just wouldn't talk to them.

867
00:36:45,880 --> 00:36:48,880
Speaker 2: I would ditch them as a friend. Someone said, wouldn't

868
00:36:48,920 --> 00:36:54,000
Speaker 2: be my friend anymore. Simples. Anybody says simples, I just

869
00:36:54,000 --> 00:36:54,480
Speaker 2: think of that.

870
00:36:54,440 --> 00:36:58,239
Speaker 4: Little bit symbols Yeah, it's really good.

871
00:36:58,440 --> 00:37:00,680
Speaker 2: There's been some other colorful response is I'm not going

872
00:37:00,719 --> 00:37:03,399
Speaker 2: to read out sure, so we hear them off here. Oh,

873
00:37:03,440 --> 00:37:06,440
Speaker 2: I'll read them. I will share the screenshot, a screenshot

874
00:37:06,480 --> 00:37:08,440
Speaker 2: all of these to share with the team later. Anyway,

875
00:37:08,560 --> 00:37:10,719
Speaker 2: someone said, oh, look, you made some good money off

876
00:37:10,760 --> 00:37:13,400
Speaker 2: my wardrobe. I noticed you've got everything listed for sale,

877
00:37:13,440 --> 00:37:15,880
Speaker 2: and then give her a chance to offer or split

878
00:37:15,960 --> 00:37:18,799
Speaker 2: some of the profits, letting her know that you know,

879
00:37:18,920 --> 00:37:20,680
Speaker 2: because you might not know that you can see or

880
00:37:20,680 --> 00:37:21,520
Speaker 2: would even check.

881
00:37:22,000 --> 00:37:23,080
Speaker 3: Lots of you said.

882
00:37:22,880 --> 00:37:25,480
Speaker 2: That you would just ignore it and not be happy

883
00:37:25,520 --> 00:37:28,759
Speaker 2: with it. But it seems that the general consensus is

884
00:37:28,800 --> 00:37:31,920
Speaker 2: that most of you would not be happy about this situation.

885
00:37:32,600 --> 00:37:34,120
Speaker 2: I don't know how you should deal with it. I

886
00:37:34,120 --> 00:37:36,000
Speaker 2: think you need to sit down and think about the

887
00:37:36,000 --> 00:37:39,920
Speaker 2: personality of your friend or you know the situation that

888
00:37:39,960 --> 00:37:41,840
Speaker 2: you have, is this actually going to put a spanner

889
00:37:41,840 --> 00:37:43,640
Speaker 2: in the works, because I mean going up to your

890
00:37:43,640 --> 00:37:45,279
Speaker 2: friend and being like, oh, I didn't realize you needed

891
00:37:45,280 --> 00:37:47,720
Speaker 2: the money for this. Like they might be just trying

892
00:37:47,719 --> 00:37:49,759
Speaker 2: to do their best to get ahead. There might be

893
00:37:49,760 --> 00:37:51,240
Speaker 2: in a heap of debt and they were really stressed

894
00:37:51,239 --> 00:37:53,160
Speaker 2: and saw an opportunity. Like I don't know. I just

895
00:37:53,239 --> 00:37:58,160
Speaker 2: think everything should be approached with kindness, and ultimately, from

896
00:37:58,160 --> 00:38:00,320
Speaker 2: my perspective, you were leaving the country, we're going to

897
00:38:00,400 --> 00:38:04,800
Speaker 2: donate them anyway. You definitely did still donate them totally.

898
00:38:05,880 --> 00:38:09,759
Speaker 4: Knowing that you have the validation of all in the

899
00:38:09,840 --> 00:38:10,239
Speaker 4: right place.

900
00:38:10,360 --> 00:38:11,560
Speaker 6: Yes, everyone's back in.

901
00:38:12,680 --> 00:38:14,960
Speaker 4: So you're not You're not like in the wrong for

902
00:38:14,960 --> 00:38:15,759
Speaker 4: being wrong.

903
00:38:15,840 --> 00:38:17,240
Speaker 3: But do we need to create drama?

904
00:38:17,280 --> 00:38:17,560
Speaker 2: Sure?

905
00:38:17,719 --> 00:38:19,880
Speaker 4: Sure, think about that. You might not be you know whatever.

906
00:38:20,480 --> 00:38:22,200
Speaker 2: I think that's a good place to leave it this week, guys,

907
00:38:22,239 --> 00:38:24,279
Speaker 2: think so. We hope you have the best weekend. We

908
00:38:24,320 --> 00:38:28,319
Speaker 2: hope you enjoy Valentine's Day. And next week, Jess, you

909
00:38:28,360 --> 00:38:30,600
Speaker 2: and I we're gonna be asking beck about our dates.

910
00:38:32,320 --> 00:38:32,920
Speaker 2: Come back then.

911
00:38:32,960 --> 00:38:34,160
Speaker 3: We can't wait to see you.

912
00:38:34,239 --> 00:38:43,600
Speaker 2: Bye bye, guys, Bye. Did buy shared on She's on

913
00:38:43,680 --> 00:38:46,360
Speaker 2: the Money is general in nature and does not consider

914
00:38:46,400 --> 00:38:50,279
Speaker 2: your individual circumstances. She's on the Money exists purely for

915
00:38:50,440 --> 00:38:53,319
Speaker 2: educational purposes and should not be relied upon to make

916
00:38:53,360 --> 00:38:56,600
Speaker 2: an investment or financial decision. If you do choose to

917
00:38:56,640 --> 00:38:59,880
Speaker 2: buy a financial product, read the PDS TMD and obtain

918
00:38:59,880 --> 00:39:04,399
Speaker 2: appropriate financial advice tailored towards your needs. Victoria Divine and

919
00:39:04,480 --> 00:39:07,920
Speaker 2: She's on the Money are authorized representatives of money sherper

920
00:39:08,040 --> 00:39:10,359
Speaker 2: P T y L t D A b N three

921
00:39:10,400 --> 00:39:13,680
Speaker 2: two one six four nine two seven seven zero eight

922
00:39:13,960 --> 00:39:18,640
Speaker 2: afs L four five one two eight nine