Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Yr
Speaker 1: the Order Kerney Whalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming through.
Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and
Speaker 1: the storytelling of you to make a difference for today
Speaker 1: and lasting impact for tomorrow.
Speaker 2: Let's get into it. She's on the Money.
Speaker 3: She's on the Money. Hello, and welcome to She's on
Speaker 3: the Mune the podcast Millennials who want financial freedom. Today,
Speaker 3: my friends, guess what, It's Friday, which means it is
Speaker 3: time to get my gorgeous team together and celebrate you
Speaker 3: the incredible She's on the Money community. Today, Ms Grig
Speaker 3: is going to share our favorite money wins. Miss beck
Speaker 3: Sayed has some juicy broke tips for you.
Speaker 2: We're going to be.
Speaker 3: Helping to answer a money dilemma, which this week is
Speaker 3: all about income protection and we're going to unpack something
Speaker 3: that you slid into our DMS, about which this week
Speaker 3: is all about gifting your friends some handy downs or
Speaker 3: an outfit that you love and then they sell them.
Speaker 3: So before we get there, as always, we need to
Speaker 3: check in with my team, see how they're going. Let's
Speaker 3: throw Beck straight under the bus because she.
Speaker 2: Always goes no, Jesse, you go first, Beck.
Speaker 4: How's your week been?
Speaker 5: My week has been really nice. I'm having a little
Speaker 5: slumber party tonight with some adult friends, which.
Speaker 4: Is really cute.
Speaker 5: So Exea, It's really cute the.
Speaker 3: Way you phrased this, like, oh, I'm having some friends
Speaker 3: sleepover would be fine, but I'm having an slumber party. Yeah, fun,
Speaker 3: And I'm like, oh for it. But like you've you've
Speaker 3: done that to yourself.
Speaker 4: That's so true.
Speaker 5: Yeah, yeah, I've really made it sounds a lot more.
Speaker 3: You made it sounds a lot better than what it's
Speaker 3: going to be.
Speaker 5: Totally, but it will be really be lollies and stuff
Speaker 5: like that is my dream come true. Anyway, we have
Speaker 5: a slumber party and then I'm actually currently planning a
Speaker 5: Valentine's Day date.
Speaker 3: I'm sorry, what are you doing planning a date? Planning
Speaker 3: dates with a real life human being, a real.
Speaker 5: Life girl I was using like AI girlfriend for a
Speaker 5: little while, but you like the real thing.
Speaker 4: That seems quite fair. So now you've upgraded and you've
Speaker 4: got a look back.
Speaker 2: I haven't looked back yet.
Speaker 3: So is this like a hard launch or a soft launch?
Speaker 3: Jess cut this is a soft launch, being elusive, We're
Speaker 3: being elusive.
Speaker 2: Wonder who it is exactly? This is just very very
Speaker 2: soft launch, A squishy launch, squishy launch. All the details.
Speaker 4: I'm going to be hounding her for them on and off.
Speaker 4: So don't you worry, miss Jessica Reachi. How has your
Speaker 4: week been.
Speaker 2: I've had a really good week. There's butterflies everywhere. Has
Speaker 2: anyone noticed that? I don't know why, but it feels
Speaker 2: very She's coming to town. Well there's that we got
Speaker 2: a new tailors with album.
Speaker 4: Really did?
Speaker 2: I just know I'm gonna love this one, do you
Speaker 2: know what I mean? Like it's giving all of the.
Speaker 3: Painting our nails green, expecting her to announce reputation, her
Speaker 3: being like, sit down, you guys are so.
Speaker 2: Wrong, and it's you know it's going to be another
Speaker 2: heartbreak one because it's Joe whatever his name is, like
Speaker 2: his well speculation, but we know it'll be his album
Speaker 2: and it just seems like the vibe is going to
Speaker 2: be immaculate. So I'm so excited for that. Like I
Speaker 2: just can't oh my queen and then just prep for
Speaker 2: the concert next week.
Speaker 4: Costumes going good.
Speaker 2: My rule is I have to, Like I've set myself
Speaker 2: a goal. It needs to be finished by Sunday because
Speaker 2: if I can't let something goes wrong, I need time
Speaker 2: to buy something. So hopefully nobody's seen me have a
Speaker 2: melt down here, you.
Speaker 3: Can just call me and let me know and I
Speaker 3: will help you fix it.
Speaker 2: I appreciate that. Hopefully I don't need it, but yeah,
Speaker 2: if you do, though.
Speaker 4: Like let me know.
Speaker 2: I'm not letting you have a melt down.
Speaker 3: I'm pregnant, really pregnant, having a lot of them, and
Speaker 3: nobody deserves melkow.
Speaker 2: Well, how has your week been? Speaking of being very pregnant,
Speaker 2: I haven't.
Speaker 3: Cried that much, so I think that's actually so impressive
Speaker 3: at this point. Yeah, I've had a good week.
Speaker 4: I've done a lot.
Speaker 3: Actually I can't tell you who it was with, but
Speaker 3: I actually interviewed someone with the un Women Australia this week,
Speaker 3: so fancy I can't share who it is yet, but
Speaker 3: I had to be up at four thirty am to
Speaker 3: make their time zone so that we could do a
Speaker 3: good interview, and like, honestly, I don't regret any of it.
Speaker 3: I'm just a little bit tired now, but I'm so
Speaker 3: excited to share that. I think it will be so special.
Speaker 3: And it honestly felt like an honor. Like you know
Speaker 3: those things where you like, are you.
Speaker 2: Sure you meant me?
Speaker 3: Like, I know you meant that I could interview them.
Speaker 3: It's not about me, But are you sure you want
Speaker 3: to compromise yourselves?
Speaker 2: Mean that you sure?
Speaker 3: But I checked a number of times and they were like, yeah, yeah,
Speaker 3: it's you, and I was like, I can't believe it.
Speaker 3: So that's been my highlight of the week. Again, Squishy launch,
Speaker 3: We're not like giving away too much.
Speaker 2: Yeah yeah, yeah, out that it's been good.
Speaker 3: But yeah, TLDR, I hope this is one of my
Speaker 3: last Friday Drinks episodes because I really want this baby
Speaker 3: out of me already, Guys, I've done.
Speaker 2: It's just got to wait one more week after Taylor Swift.
Speaker 3: Okay, okay, after Taylor Swift, I can hold on. Let's
Speaker 3: jump into some more stuff about the community, though. Jess
Speaker 3: I've been perving on the money wins a Confession's thread
Speaker 3: this week, and I feel like there are some juicy ones.
Speaker 3: So what are you bringing to the table.
Speaker 2: Well, I thought we'd start with the money loss that
Speaker 2: I think many of us may have experienced in the
Speaker 2: last week. It's from Jess and she said money loss.
Speaker 2: Didn't win the two hundred million?
Speaker 4: Oh, I feel like my team like we.
Speaker 2: All bought one's everyone except you.
Speaker 3: We went on retreat and all of them were talking
Speaker 3: last week about buying lotto tickets and I'm just sitting
Speaker 3: there being.
Speaker 2: Like, do you see what is going on here? We
Speaker 2: fell for the marketing, but you are the problem. Ah, Well,
Speaker 2: two people want a hundred million each? Wow? Imagine would
Speaker 2: have settled for an easily hundred million.
Speaker 4: I know me too.
Speaker 2: I would love two meal if.
Speaker 3: A whole episode and be like, this episode is specifically
Speaker 3: for the two people who won one hundred million dollars
Speaker 3: and it's what I think you should do with it?
Speaker 2: That would be interesting. Yeah, the relatives, but really quickly,
Speaker 2: what's one like the first thing you would buy? If
Speaker 2: you want a hundred meal? You can't say investor. You
Speaker 2: have to buy something like a thing I think an
Speaker 2: object to the material thing that you were just going
Speaker 2: to say, I pay.
Speaker 4: Off my parents' mortgage, but I'm not allowed to do that.
Speaker 2: To buy you have to be selfish.
Speaker 3: I really would buy myself all away a puzzle bag
Speaker 3: cute in the sound color God.
Speaker 5: Yeah, I've never heard that my life.
Speaker 2: I'll show you a picture after.
Speaker 4: I think I really like it.
Speaker 2: I just can't justify it at this point.
Speaker 4: That's fair, you know what.
Speaker 5: I would honestly just buy myself some modest birken Stocks.
Speaker 3: You buy you some modest brecon stock. Have you seen
Speaker 3: my new birken Stocks.
Speaker 5: I haven't.
Speaker 3: Don't show me jealous.
Speaker 2: You love them.
Speaker 3: I got the Boston's, you got the Yeah.
Speaker 1: Yeah.
Speaker 3: My best friend said that I am two steps away
Speaker 3: from becoming a lesbian, and I'm okay with that.
Speaker 5: Yeah, So that's what I would buy and top up
Speaker 5: my Mikey.
Speaker 1: That's me.
Speaker 4: I really don't. I can't with you, Jessica, You're so practical.
Speaker 2: I buy a house, but then if I have to,
Speaker 2: if we're going.
Speaker 4: That's an investment, I'm sorry, no, not having that.
Speaker 2: Then I would buy a Chanel Classic CLA that's mine.
Speaker 2: That's like a ten handbag. Does that make it ill? Yeah,
Speaker 2: it is aesthetically pleasing though you know it. I'll show
Speaker 2: your phone. It's like the quilted black VD has three
Speaker 2: probably oh my goodness, right.
Speaker 3: Straight under the Yeah. So as we're saying money, when's
Speaker 3: a confessions?
Speaker 2: I really got all right, I've got a money in
Speaker 2: from Yakira who said my daughter started competitive chio, which
Speaker 2: is very expensive. I think it's probably similar to dance.
Speaker 2: But I managed to score an as new competition uniform
Speaker 2: for fifty dollars instead of the two hundred and forty
Speaker 2: it would have cost me new Oh my gosh, woin
Speaker 2: respect for all the parents out there with kids in activities,
Speaker 2: because I think about my parents looking back, and I'm like, oh,
Speaker 2: kind of in cheap.
Speaker 3: Also, two hundred and forty dollars for children's outfit, I know,
Speaker 3: like I'm not trying to disrespect it. A lot of time,
Speaker 3: energy and effort has surely gone into that. But like
Speaker 3: kids grow so quick, so that and it's for like
Speaker 3: one thing, right, Like you can't just keep using them.
Speaker 4: It's not like a uniform, is it true.
Speaker 2: I think the uniforms maybe change gartar sometimes. So that's crazy.
Speaker 2: Well done, Yakira. Then Inez said I have a money win.
Speaker 2: I switched to a Masim after being loyal to a
Speaker 2: big telco for over a decade. I used to pay
Speaker 2: sixty two dollars for fifty gigabytes but would only ever
Speaker 2: use twenty gig max. I found a thirty two gig
Speaker 2: plan for thirty dollars with the unusedtarter rolling over.
Speaker 3: Yeah, it's unlimited and it doesn't stop rolling over.
Speaker 2: Jess, that's so good. And my first month was half priced,
Speaker 2: so I only paid fifteen dollars for a much better plan.
Speaker 2: And bonus, it's an esium, so where I could switch immediately,
Speaker 2: Do you're not?
Speaker 3: My favorite part about that is we've recently worked with
Speaker 3: a Masium and that's not even a paid sponsorship. But
Speaker 3: that's a great plug. Thank you for that. Thank you,
Speaker 3: and Ess, I'm going to call a Masium and be like, hey,
Speaker 3: so I don't know if you know this, but you
Speaker 3: really should listen to our Friday episode. We say some
Speaker 3: really nice things and by where I mean my community,
Speaker 3: not me.
Speaker 2: Yeah, please sponsor us next time. I got a money
Speaker 2: win from Alika, who said I booked a car hire
Speaker 2: for oun New Zealand trip two months ago, I went
Speaker 2: to edit the booking and I found that if I'd
Speaker 2: booked the same car today, it would have been almost
Speaker 2: three times more expensive. Money win book in advance. Yeah,
Speaker 2: so smart, so smart, very good idea. Then I've got
Speaker 2: one from Sarah who said I advertised a small side
Speaker 2: table a marketplace for ten dollars. A lady came to
Speaker 2: pick it up and only had twenty dollars, and she
Speaker 2: happily just said keep the change. WHOA when money? I
Speaker 2: always have people coming to the door being like, sorry,
Speaker 2: I've only got fifty, will we take that instead of seventy?
Speaker 3: Yes, I don't know where people get you have done
Speaker 3: to me?
Speaker 2: And I've just been like, of course, sorry, I don't
Speaker 2: say it, but of course it's always men, always men,
Speaker 2: it's always men.
Speaker 4: What did you say?
Speaker 2: So I literally said sorry, like we agreed on seventy.
Speaker 2: There's a seven eleven down the road. If you want
Speaker 2: to get a cash out? What get And this guy's
Speaker 2: the guy whos just me last time?
Speaker 1: Sorry?
Speaker 4: No, no, no, this is the key. We hit the money out.
Speaker 2: Of his wallet and was like, I only have fifty,
Speaker 2: will you take that instead of seventy? Or whatever it
Speaker 2: was and then I said to seven elevens like down
Speaker 2: the road, and he said okay, and so then he
Speaker 2: got something. He had the money in his pocket. I
Speaker 2: was just like, you don't. And we've obviously negotiated back
Speaker 2: and forth, like he was such a pain to talk to.
Speaker 2: I remember, like Negotia, Negotia, negotiate, agreed on at double
Speaker 2: and he's still trying to hustle.
Speaker 5: Hope he's listening to this.
Speaker 3: Hat's not because he's not money savage kind so true.
Speaker 2: Yeah, anyway, so I feel like else, if you got
Speaker 2: Sarah did really well, he's canceled. He is. Then I've
Speaker 2: got a win from z who said I collect Google
Speaker 2: play Point perks every week for free. That's quite a
Speaker 2: tongue twister. Say that Baptiz's fast and I now have
Speaker 2: a five dollar voucher to buy She's in the Money audiobook.
Speaker 2: Don't know what a Google play Point perk is and
Speaker 2: maybe look into it though, because it sounds like you
Speaker 2: get free vouchers, which we love. I love that.
Speaker 4: I also love.
Speaker 3: I don't know if everybody knows this, but you can
Speaker 3: get all of my audio books for free if you
Speaker 3: are already a Spotify subscriber good to.
Speaker 2: All of my books are on.
Speaker 3: Spotify, and if you like are a paid member of Spotify,
Speaker 3: you can go listen to them for free, which is
Speaker 3: a very good money win.
Speaker 2: Yeah, yeah, that's great. Then lastly, I've got a goodie
Speaker 2: from Holly who said I went to get a roast
Speaker 2: chook from coals. They were none left, but did she
Speaker 2: get a little voucher has a rule but if you
Speaker 2: go to get a chicken and they have none left,
Speaker 2: you get a voucher for a free one boom, a
Speaker 2: free chook. Money win. That's pretty cool. I'm the chicken's
Speaker 2: such a good one, and that is so. I love
Speaker 2: that we're calling it a chuck. Still, that's so I
Speaker 2: love it. My money is I nearly got scams this
Speaker 2: morning and I didn't.
Speaker 4: How did you nearly get scammed?
Speaker 2: Still? Do we want to go on with? No?
Speaker 6: No?
Speaker 4: No, This is the tangent we're here for.
Speaker 3: It's Friday, and it's our episode.
Speaker 4: We do what we want on this one.
Speaker 2: So I got a text in an email from Recovery's Core,
Speaker 2: which is a debt collection agency, like they're a real agency.
Speaker 2: I've heard of them before, Yes, and they were saying
Speaker 2: we're getting in touch with you because you had an
Speaker 2: outstanding Linked toll which, for those who are not in Victoria,
Speaker 2: Linked is our toll system, like for most of the
Speaker 2: roads in Australia all come under Link to the toll roads.
Speaker 2: You had an outstanding debt, it's been passed along to
Speaker 2: us because it hasn't been paid. You know, go through
Speaker 2: looked very legit and you know what, there have been
Speaker 2: times where I've used tolls and like, my thing hasn't
Speaker 2: been popped up in you so you just believe it. Yes,
Speaker 2: I've literally gotten the same thing. Yeah, So I and
Speaker 2: I transferred the money out of one of my savers
Speaker 2: to make the payment, and then I just went, I
Speaker 2: don't remember Like normally i'd get a text from Linked
Speaker 2: first being like your balance is under like pay your
Speaker 2: balance whatever, before it would go to collections. I was like,
Speaker 2: I don't remember getting that, so like it's.
Speaker 3: Not like you to go to collections, like you're psychotic
Speaker 3: with your.
Speaker 2: Budgeting, sally good. So I went to the website and
Speaker 2: I like my account was still turned on. I was like,
Speaker 2: that's really strange, and so then I went to the
Speaker 2: Recovery's Court website and luckily this must be a really
Speaker 2: common scam because on their homepage of their website they
Speaker 2: have we're aware of a scam going around regarding linked invoices.
Speaker 2: If you have received something, please make sure that it's
Speaker 2: legitimate before you do it. So then I got on
Speaker 2: the linked they had like a chat online and I
Speaker 2: just said, hey, like, I've got this, can you check?
Speaker 2: And it took like ten minutes, but they're like, no, no,
Speaker 2: like you've got nothing outstanding. I nearly paid a scammer.
Speaker 2: Nearly paid because it was like it was, you know
Speaker 2: how normally the email well, and I checked the email.
Speaker 2: It was a proper like looking email. It wasn't like
Speaker 2: sexy boy one two three gmail dot com. I'm sorry,
Speaker 2: you looked very real if you read no.
Speaker 3: I've got I've gotten a couple of them. And usually
Speaker 3: the Telltales sign and Jess you probably saw this is
Speaker 3: usually the URL is foreign, so the URL does not
Speaker 3: send you to the Recovery's Corp website directly. And I
Speaker 3: think that if in doubt, go direct, And I think.
Speaker 2: That that's the best tip here.
Speaker 3: Like a bank texts you, they're never actually ever gonna
Speaker 3: ask for personal informational details. So like if there is
Speaker 3: a debt with Linked, goes straight to Linked to be like, hey,
Speaker 3: what's this debt about? And they can clear it up,
Speaker 3: can you. I would triple check everything at the moment
Speaker 3: because I'm getting so many text messages and I don't
Speaker 3: know where they're getting my number of like you owe
Speaker 3: this or my favorite scam? At the moment, I say
Speaker 3: favorite just because it's in my inbox all the time.
Speaker 2: They're like, we.
Speaker 3: Tried to deliver a parcel and your address was incorrect.
Speaker 2: Click here and.
Speaker 3: It always comes through it for where I am. And
Speaker 3: then you look at the url and I go pretty
Speaker 3: sure oz Post's website is an oz posty dot com.
Speaker 2: It's not, you know. Yeah, there's a lot my bank
Speaker 2: text bean, so there's lots of scams. Be careful. So
Speaker 2: it must be that time of year to be did
Speaker 2: you reminder? Reminder?
Speaker 3: Let's move on though, Miss beck'say ed, yes, Now broke
Speaker 3: tips are you bringing to this table?
Speaker 4: Very good question?
Speaker 2: Be so, Actually I want to start off this is
Speaker 2: not a broad tip, but I'm a.
Speaker 4: Lot of money in I guess.
Speaker 3: So let's pretend your segment hasn't started and you're just
Speaker 3: slotting into.
Speaker 2: Jess's Yeah, okay. Is that okay?
Speaker 3: Well, will you let beck share a money win?
Speaker 2: I would love that. Can I beig back? Please? Thank
Speaker 2: you so much, just you're so kind.
Speaker 5: So a few different group chats separately have gone off
Speaker 5: with screenshots of I can't really recall what company this is.
Speaker 5: I'm really sorry, it's probably very unhelpful. But there's so
Speaker 5: many really really cheap return flights to Japan.
Speaker 4: I believe they're flying around everywhere.
Speaker 2: Yeah, like, why is it so cheap? I don't know, but.
Speaker 4: Let's go to Japan.
Speaker 2: I'm thinking about it.
Speaker 3: I think it's through not to she's on tour, yeah yeah, yeah,
Speaker 3: oh my.
Speaker 2: If anyone out they would like to send us to Japan.
Speaker 3: If anyone even just wants it's like, you know, and
Speaker 3: sometimes Jess I text scroup chat and I say one
Speaker 3: like and I'll have a croissant for lunch, and then
Speaker 3: I like it myself. It's like that anyone d and says, oh,
Speaker 3: we want to see she's on the money in Japan,
Speaker 3: Well we'll just have to.
Speaker 2: Do it, do it.
Speaker 5: I feel like it's like one like one prayer, but
Speaker 5: in this instance, it's one comment or one DM saying
Speaker 5: we should go to Japan.
Speaker 2: Go to Japan, but.
Speaker 3: They're so cheap, and I've also seen really cheap return
Speaker 3: flights to Bali.
Speaker 2: Like too hot, too hot, I'm so sorry, give me
Speaker 2: some broke tips then, yes, okay, here we go.
Speaker 5: Okay, So, as usual, we have two from the community,
Speaker 5: one from myself. The first one comes from Kara, my
Speaker 5: friend Kara from Sydney. She said that octical scroup surveys
Speaker 5: are a good way to make extra cash. So I
Speaker 5: know that we have mentioned surveys before, but this is
Speaker 5: the I had heard of octopus group surveys.
Speaker 3: They're pretty popular in the She's on the money community,
Speaker 3: so I think.
Speaker 2: They're legit too. Okay, there you go, are you in?
Speaker 5: I literally might jump on there myself after this. Okay,
Speaker 5: So the next one comes from Shell, who says the
Speaker 5: heart of Carlton so food and drinks for five dollars
Speaker 5: and under. This place is actually quite close to my house,
Speaker 5: so I might check this out money good research the podcast, Yes,
Speaker 5: exactly to treat yourself exactly, so my own one. This
Speaker 5: one might seem a little bit common sensical, but I
Speaker 5: would say, if possible, use a good petrol forecasting site.
Speaker 5: The one that I came across was connecting the dots
Speaker 5: dot com today U forecasting. Yeah, but you can kind
Speaker 5: of like have a Google and see what's out there,
Speaker 5: as well as obviously petrol spy, which we do talk about,
Speaker 5: and when petrol is low, if possible, try and just
Speaker 5: stock up on jerry Can's obviously.
Speaker 2: Oh no, I've got safety.
Speaker 3: You use those apps. Do exactly what Becky is saying,
Speaker 3: find the cheapest petrol, then go to your seven eleven
Speaker 3: app and lock it in so you don't need a
Speaker 3: jerry Can. You've got the price locked in for the
Speaker 3: next filler.
Speaker 5: Yes, that's true. I think that only lasts like a
Speaker 5: week though. That's okay, but it is. That's all right,
Speaker 5: that's a good deal. Yeah, it really is good. If
Speaker 5: you're going to be using that much petrol in the week,
Speaker 5: it's really good. And even if you're not, like, it's
Speaker 5: still good to just like keep talking a little top up,
Speaker 5: just do a top up. But I would say, like, yes,
Speaker 5: store safely, make sure you store safety.
Speaker 3: Do you actually feel jerry cans full of petrol? Backside?
Speaker 5: I do, but only because you know, my best friend
Speaker 5: live has a caravan and that makes sense. I think
Speaker 5: the biggest one where you have is like I don't know,
Speaker 5: fifteen leadles or something.
Speaker 2: But that's good. That's like half a tank. Yeah, that's
Speaker 2: a good deal.
Speaker 5: So do that because sometimes it's been too Sometimes it's
Speaker 5: a dollar sixty.
Speaker 3: I don't know if I could trust myself to fill
Speaker 3: a jerry can without tipping it over, if I.
Speaker 2: Carried one down the highway before, it's not that it's
Speaker 2: broke down and we had to walk the petrol station
Speaker 2: there to walk back.
Speaker 4: Hot girl shit only.
Speaker 2: Yeah, that's pretty hot.
Speaker 3: That's pretty good. She's a self sufficient queen.
Speaker 2: Yeah.
Speaker 3: All right, let's go to a really quick break on
Speaker 3: the flip side. We're going to be talking about one
Speaker 3: of my favorite topics, income protection, and we're also going
Speaker 3: to be unpacking something you slid into our DMS about
Speaker 3: this week.
Speaker 4: We're talking about giving a friend your hand me.
Speaker 3: Downs and then they sell them on you guys, don't
Speaker 3: go anywhere.
Speaker 2: Welcome back, everybody. Let's take a listen to this week's
Speaker 2: money dilemma.
Speaker 6: Hi, there, have you got a money dilemma you just
Speaker 6: can't solve the She's on the Money team is here
Speaker 6: to help.
Speaker 3: Every week we tackle your dilemmas both big and small,
Speaker 3: to answer your most burning money, career and life questions.
Speaker 3: To get involved, simply head to our website and leave
Speaker 3: us a short voice recording, and you might just find
Speaker 3: yourself on the show. Now, let's take a listen to
Speaker 3: this week's money dilemma.
Speaker 7: Hi, she's on the money.
Speaker 8: I have a question about income protection. I've been seeing
Speaker 8: so much on your socials about the topic, and I
Speaker 8: was wondering if you could shed some light on what
Speaker 8: that would look like for people who already have some
Speaker 8: medical issues.
Speaker 7: I myself had a heart attack last year, and I
Speaker 7: just feel a little bit scared and embarrassed to apply
Speaker 7: for income protection because I'm worried they will just say
Speaker 7: no and I'll feel a bit lost.
Speaker 8: If you could help, that would be great.
Speaker 2: Thank you. Don't feel embarrassed. Don't feel embarrassed. Good thing
Speaker 2: you're thinking about. It absolutely an anecdote before VD takes
Speaker 2: it away, because I think this is your time to
Speaker 2: shut it.
Speaker 3: It's not I'm not needed around here. That's why you
Speaker 3: guys are like, why don't you just go have a
Speaker 3: baby soon. We don't even want you on the show anymore.
Speaker 4: Yeah, step out of the room.
Speaker 2: Actually, I've got the wheel from here. But one of
Speaker 2: our beautiful community members message just actually this week about
Speaker 2: income protection and how we've been talking about it, and
Speaker 2: they just said how grateful they were because they had
Speaker 2: gotten income protection since listening to the show. Did they
Speaker 2: actually a little while ago, And unfortunately they were recently
Speaker 2: diagnosed with cancer and they they are now obviously going
Speaker 2: through treatment and we're sending them so much love and
Speaker 2: so many good vibes. But she said that she was
Speaker 2: so grateful because she can just focus on her recovery
Speaker 2: and doing what she needs to do because she has
Speaker 2: her income protection and she's fully sortied.
Speaker 3: Yeah, it breaks my heart because these conditions are serious
Speaker 3: and awful and no one should have to experience them,
Speaker 3: but if you are going to experience them, at least
Speaker 3: you don't have to worry about money.
Speaker 2: Like she was so positive. She was like, it's she
Speaker 2: seems like really confident and really positive about her situation.
Speaker 2: And yeah, the fact that she had listened in thought
Speaker 2: and put that in place to be able to put
Speaker 2: herself and I was just it made us so happy
Speaker 2: to hear. Yeah, and we're sending everyone listening to the
Speaker 2: pot right now send her a good thought yeah, please
Speaker 2: take a mama. I love it totally.
Speaker 3: I love it, and it sounds like you've had a
Speaker 3: rough time. You sound so young and you've had a
Speaker 3: heart attack, Like holy guacamole. One queen behavior getting through that.
Speaker 3: But two, don't be afraid of reaching out for advice
Speaker 3: on income protection or any type of insurance when it
Speaker 3: comes to like personal insurances.
Speaker 1: Right.
Speaker 3: This is why last week I had feel from Skywealth
Speaker 3: on the show, because I want to show you that
Speaker 3: it is not as overwhelming as often can seem. Like Jess,
Speaker 3: you've been through the whole income protection, whole financial advice
Speaker 3: kit and kaboodle with Phil, and I can almost put
Speaker 3: words in your mouth and say it wasn't nearly as
Speaker 3: overwhelming as you thought.
Speaker 2: It would be.
Speaker 3: So the thing with your pre existing condition, which is
Speaker 3: what it's going to be seen as, is yes, you
Speaker 3: are correct. That is a conversation that is going to
Speaker 3: have to come up. This is why I would never
Speaker 3: ask you or recommend that you go and get a
Speaker 3: retail policy on your own. I need you to go
Speaker 3: and talk to a good financial advisor about this because
Speaker 3: that is a pre existing condition that you are correct
Speaker 3: will hinder your application. But it does not mean it
Speaker 3: will be declined. It means that there is very likely
Speaker 3: going to be an exclusion on your policy. So this
Speaker 3: is going to sound really awful, But you might have
Speaker 3: something else happen to you.
Speaker 4: You might end up ultimately and.
Speaker 3: Let's say it was yesterday, because we would never ill
Speaker 3: wish something into the future, but yesterday you were diagnosed
Speaker 3: with cancer, even though you have had a pre.
Speaker 4: Existing condition of a heart attack.
Speaker 3: If we know that they aren't linked, you will usually
Speaker 3: still be covered under income protection. Same with mental health,
Speaker 3: same with everything else. You might get an exclusion, and
Speaker 3: they'll say, look, let's use Jess as an example, because
Speaker 3: I'm happy to divulge her personal you know, information on
Speaker 3: me here right, So, Jess, I know that one of
Speaker 3: your knees is excluded because you had a pre existing
Speaker 3: condition in it. That is just your Is it your
Speaker 3: left knee, it's your right knee. Left, it's your left knee.
Speaker 3: So Jess, if something happens to her left knee, your
Speaker 3: insurer is going to say, look, Jess, Rudy, it was
Speaker 3: a bit bung already, we're not going to cover that.
Speaker 3: But if something happened to your right knee, they're going
Speaker 3: to cover that right, and the same with your heart attack.
Speaker 3: They're going to say, look, I'm so sorry that that happened.
Speaker 3: We will offer you a completely comprehensive policy, but not
Speaker 3: include heart attack. So anything could happen and you will
Speaker 3: look after you. But because you have already had one
Speaker 3: heart attack, and at the end of the day, we
Speaker 3: do a lot of underwriting and we look at the risk.
Speaker 4: There's a probability that you'll.
Speaker 3: Have another heart attack, and we don't really want to
Speaker 3: take that risk on. So we'll help you in every
Speaker 3: other which way. But if you have another heart attack,
Speaker 3: you can't claim on this policy, and you might go Great.
Speaker 3: That works for me because I actually want to make
Speaker 3: sure that I'm covered holistically in the rest of my life.
Speaker 4: The heart attack thing, it really bloody sucks.
Speaker 2: That it's excluded.
Speaker 3: And that's why I always implore people to get income
Speaker 3: protection and their life insurance and everything set up before
Speaker 3: something happens, because no one wants a major life event.
Speaker 3: No one expects that to happen to them, like no
Speaker 3: one wants to have a bung knee from playing sport.
Speaker 3: But the younger you get it, the more likely you
Speaker 3: are to get a policy that has absolutely no exclusions.
Speaker 3: But now you're in this position, I would absolutely be
Speaker 3: sitting down with someone like Phil and saying, hey, I have
Speaker 3: had a heart attack. How do I protect myself from
Speaker 3: everything else? Yeah, And that is definitely f No one's
Speaker 3: going to decline it based on that, and a good
Speaker 3: financial advisor is going to go right, you're kind of
Speaker 3: a special case because you do have a really big
Speaker 3: pre existing condition.
Speaker 2: They're going to shop it around.
Speaker 3: They're not going to submit an application that ultimately gets declined.
Speaker 3: I do not know a financial advisor who would knowingly
Speaker 3: submit an application that could get declined. And I've even
Speaker 3: been in the position as the financial advisor when I
Speaker 3: was one where I had submitted an application for a client.
Speaker 4: They had told me that they had told me everything.
Speaker 3: And I get a call from the underwriter and they're like, hey,
Speaker 3: so we requested their medical history and this pre existing
Speaker 3: condition came up. Were you privy to that because it
Speaker 3: wasn't in their application form? And I go, no, please
Speaker 3: let me get back to you. And so then I
Speaker 3: call the client and say, hey, client, you know, Jess,
Speaker 3: you didn't tell me about your knee. And that's actually
Speaker 3: just come up in underwriting. The underwriter has called me
Speaker 3: and said, hey, this has come up, but you didn't
Speaker 3: disclose it, like what's going on? And then I can
Speaker 3: have a conversation with you about what we do moving forward.
Speaker 3: And then usually in that situation, I'll call the underwriter
Speaker 3: back at the insurance company like, hey, I've had a
Speaker 3: chat with the client, like it's not ongoing, what's your
Speaker 3: probability of declining this application because of my client's knee,
Speaker 3: And they'll go, oh, look, it's just a knee. We'll
Speaker 3: probably you know, probably won't do anything. We'll just exclude
Speaker 3: it and so we're not going to cover it, and
Speaker 3: go Okay, no worries.
Speaker 2: That's the outcome I was expecting.
Speaker 3: Or they might go, well, actually that's a really big thing,
Speaker 3: you know, at the moment, we're really cracking down on
Speaker 3: this that the other.
Speaker 2: And then as the financial.
Speaker 3: Advisor, I have said, okay, well at this point, I
Speaker 3: would like to withdraw my application and I'm going to
Speaker 3: go back and speak to my client potentially change insurers
Speaker 3: because I do not want my client to get a decline.
Speaker 3: I do not want that on their record. And Jess,
Speaker 3: as you would know, you filled out forms. One of
Speaker 3: the questions they ask is have you ever been declined
Speaker 3: insurance from another insurer before? And you have to disclose
Speaker 3: that and if I withdraw your application because I'm on
Speaker 3: top of it, you say, well, no, no, I haven't
Speaker 3: been declined.
Speaker 2: Yeah. Never.
Speaker 3: So I think it's really important to work with a
Speaker 3: good financial advisor that has your back but also has
Speaker 3: a really good relationship with those insurers. Because Jess I
Speaker 3: might go all right, well, sorry, I know I recommended Zurich,
Speaker 3: but that.
Speaker 2: Was because you didn't tell me you had this condition.
Speaker 3: Let me go redo my applications, and this time we're
Speaker 3: going to apply with MLC, or we might apply with
Speaker 3: AIA or a different insurer because I know that their
Speaker 3: policy is a little bit different or a little bit
Speaker 3: more flexible, or you know, we can ask for an
Speaker 3: exclusion on.
Speaker 2: That before they enforce it.
Speaker 3: So I think that's a very long way of saying,
Speaker 3: please just talk to a financial advisor. It's not silly,
Speaker 3: it's not dumb. In fact, it's putting future you in
Speaker 3: the best possible position. Yeah, yep, amen, true, that's what
Speaker 3: I meant.
Speaker 4: Should we dive in, I'm ready, are you ready?
Speaker 2: Absolutely ready?
Speaker 3: Drop yourselves in we have the DM of the week.
Speaker 3: All right, here's the DM we received. Hello, she's on
Speaker 3: the money. So I'm moving overseas and was doing a
Speaker 3: big wardrobe chuck out as I can't take everything with me.
Speaker 3: One of my best friends was over at the time
Speaker 3: and she loved so many of.
Speaker 4: The items I was getting rid of.
Speaker 3: I was planning on dropping them all off at my
Speaker 3: local Salvos as I am moving in a couple of
Speaker 3: weeks and don't have time to bother selling any of it.
Speaker 3: So when she said she loved the items, I told
Speaker 3: her to just have them, as I was going to
Speaker 3: give them away anyways. They were pretty good quality things.
Speaker 3: Address and a skirt from Age, a bunch of country
Speaker 3: road items, shoes from Tony Bianco.
Speaker 4: You get the point. It was pretty nice stuff.
Speaker 3: Turns out she didn't actually quote love it all that much,
Speaker 3: as she went and sold all of it on Facebook
Speaker 3: and made herself some cash.
Speaker 4: I'm so mad.
Speaker 3: I kindly gave her these items that could have gone
Speaker 3: to a much better cause at the Salvos and she's
Speaker 3: just made money off my old stuff. I feel like
Speaker 3: I should be getting fifty percent of her profit. Question
Speaker 3: Mark exclamation mark, question mark do you think she's in
Speaker 3: the wrong? And how do I actually bring this up
Speaker 3: with her? This is a bit guicy. Look at your
Speaker 3: little pie. You're spicy, spicy.
Speaker 5: I love this. I would say, I don't think she
Speaker 5: has any Maybe she can't get any of the money.
Speaker 5: I would say, I would just be like that does
Speaker 5: feel a bit sneaky, though, doesn't it to Like it
Speaker 5: feels a bit manipulative to be like, oh my god,
Speaker 5: those clothes are so nice. But if you kind of
Speaker 5: came in and said up front, or if your friend
Speaker 5: had set up front, like, hey, I'll take these off
Speaker 5: your hands, I'll sell them because they actually are really
Speaker 5: really good, Like if you can't.
Speaker 4: Be by, can I?
Speaker 3: But then you would have at least had the ability
Speaker 3: to go no, no, no, Like you know, I can't
Speaker 3: be bothered selling them. Actually kind of want them to
Speaker 3: go to the Salvos. That's going to a good cause.
Speaker 3: Like that's a different I don't know, I feel like
Speaker 3: that's a different story that you had choice in. Yeah,
Speaker 3: but ultimately you gave them to her because she loved them,
Speaker 3: so she can kind of now do what she wants
Speaker 3: with them.
Speaker 2: I suppose, Yeah, I See that's where I'm torn, because
Speaker 2: like part of me feels like this is how I
Speaker 2: feel about regifting, in the sense that once you give
Speaker 2: something to someone, they can do whatever they want with it. Yes,
Speaker 2: ye jui. And so I'm kind of torn because pardon me, says,
Speaker 2: you know what, like, particularly because you were going to
Speaker 2: give it away anyway. I think if you were selling
Speaker 2: it and your friend said, oh, I really like that,
Speaker 2: I'd love to buy it off you, and you said,
Speaker 2: oh nah, they just have it like you're I mean
Speaker 2: happy for you to take it, I think I would
Speaker 2: feel differently about that. But because you were giving it
Speaker 2: away anyway, your outcome really hasn't been that different. But
Speaker 2: I also can completely understand how you feel, like, you know,
Speaker 2: maybe you wish she had just set it up front,
Speaker 2: like if that was the plan, tell me that that's
Speaker 2: the plan. Yeah, I'm so torn because, yeah, I think
Speaker 2: that when someone has something, that's out of your hands
Speaker 2: as to what they do with it. But at the
Speaker 2: same time, it is a little sneaky. And if it
Speaker 2: had been one thing I guess too, like maybe she'd
Speaker 2: try it on a dress and it didn't fit her
Speaker 2: and she was like, oh, well, maybe I'll sell it on.
Speaker 2: I mean, she could have given it away, but I
Speaker 2: don't know. I'm really into minds on this one.
Speaker 4: I don't know, Jesse.
Speaker 3: If I gifted your address and said, hey, don't need
Speaker 3: this anymore or whatever it is, and then you took
Speaker 3: it home and tried it on and it didn't fit,
Speaker 3: I feel like you.
Speaker 4: Would call yeah, like, oh it didn't fit. Do you
Speaker 4: want me to return it?
Speaker 2: Yeah?
Speaker 6: Whatever?
Speaker 3: Yeah, I just I feel like it's the lack of
Speaker 3: communication that feels relatively inauthentic, like you too, but.
Speaker 2: I really love it, And then that I guess, yeah,
Speaker 2: that is a bit.
Speaker 3: That's the extra thing you didn't just I don't know
Speaker 3: because I've done this before where I've been like, oh, Jess,
Speaker 3: you take it. I'm never gonna wear this, Like I
Speaker 3: don't even care, Like I just want to get rid
Speaker 3: of it, can't be bothered. Yeah, if I then saw
Speaker 3: that online, I wouldn't care so much. But because you know,
Speaker 3: if you'd been lubing me up for say.
Speaker 2: No, but.
Speaker 4: Would I love it?
Speaker 3: But if you had Bee and you said, oh I
Speaker 3: really love that Bee, and I go, oh, well, Jess,
Speaker 3: you can have it, I'm sorry, what do you mean
Speaker 3: you love it so that it can line your pockets.
Speaker 2: Well, especially the expensive stuff. I guess because you use
Speaker 2: that example, like you have given me a few of
Speaker 2: your like nicer dresses and I.
Speaker 3: Congess is like, and then I went and sold them.
Speaker 2: And I love them and I wear them and like
Speaker 2: they're Yeah, I guess, like the price point maybe could be.
Speaker 2: It's not as if it was a twenty dollars cotton
Speaker 2: on dressed to you know, if.
Speaker 4: I give you something, you sell it. I don't care,
Speaker 4: just personally, like you go you do you?
Speaker 2: Yeah, good? Farther away, I'll take all my listings off.
Speaker 2: Deep No, but yeah, like I can see that, And
Speaker 2: I guess it depends on time to like if someone
Speaker 2: given it to her and she'd warn it and it
Speaker 2: had been a while, maybe, I don't know. It's a
Speaker 2: lot of pray for me.
Speaker 3: But to steal it down, yes, to steal it down
Speaker 3: and make a few assumptions so that we can have
Speaker 3: a more clear opinion. This happened within a week, I reckon.
Speaker 3: So let's pretend you were cleaning out your clothes and
Speaker 3: the week after you saw them online, you saw them
Speaker 3: on Facebook and deep hoop, I.
Speaker 2: Probably would be a bit missed. I'm not gonna lie
Speaker 2: as much as you wait for me to leave the country,
Speaker 2: like as much as I yeah, like logically there's all
Speaker 2: of those other things. I think I probably would.
Speaker 3: If it was months, I'd be like, well, they were
Speaker 3: their items that they wore, but let's pretend it was
Speaker 3: a week. I feel like that's a bit calculated and
Speaker 3: your friend didn't do it. But the question was how
Speaker 3: do I bring it up? Do I bring it up?
Speaker 2: I don't think you can. This is the thing I
Speaker 2: would bring it up.
Speaker 5: I would bring it up because it feels like, especially
Speaker 5: if you intend on being a friend with this person
Speaker 5: for life, because it's technically on page but nothing they're
Speaker 5: doing is illegal.
Speaker 2: They're allowed to do all of these things.
Speaker 5: But it's so for me the pit of my belly,
Speaker 5: it's saying that it's manipulative, it's yucky. It it feels
Speaker 5: like they lied about something. It feels like they literally
Speaker 5: performed in front of you. So you would give them
Speaker 5: your clothes and just because they had the intention, let's
Speaker 5: say this, how would you do it?
Speaker 2: How would you do it?
Speaker 5: I think I would just I would mess them or
Speaker 5: if I'm going to see them in person, be better,
Speaker 5: just like kind of like do it gently. But hey,
Speaker 5: I noticed that you're selling literally all the clothes that
Speaker 5: you said you wanted to wear, which is totally fine.
Speaker 5: I just want to know, if my own peace of mind,
Speaker 5: was this your intention all along or did you have
Speaker 5: a change of heart last minute, Because if it's change
Speaker 5: of heart last minute, I'm comfortable with this dynamic.
Speaker 2: But if it was on your.
Speaker 5: Mind the whole time, I feel very uncomfortable knowing that
Speaker 5: we were sat in that room together, you were kind
Speaker 5: of like doing this whole song and dance theatrical thing.
Speaker 5: Those clothes are so lovely lying to me. That's a
Speaker 5: very uncommonfortable feeling, and I.
Speaker 3: Can't No one wants to feel like they're being lied to, Like,
Speaker 3: not one person totally. I'd just be petty and screenshot
Speaker 3: and send it to them and be like, would you
Speaker 3: take fifty bucks? But yeah, true, Like I love this too,
Speaker 3: Like it's a bit expensive, though, don't you reckon?
Speaker 2: I can I get any shit you down? They got
Speaker 2: fifty seventy, we do fifty?
Speaker 3: Will you do free?
Speaker 2: Yeah? Ideally free?
Speaker 5: But also, like you know, there's a function like when
Speaker 5: you're actually uploading things on the marketplace, you can say
Speaker 5: you can.
Speaker 4: For your friends. Yes, Like that also.
Speaker 2: Makes you think maybe it wasn't Maybe they think about it.
Speaker 5: I think it was malicious, And so there's a whole
Speaker 5: nother kettle of fish.
Speaker 3: Maybe your friend is just a bit daft, Like there
Speaker 3: could be a few things. So we asked the community.
Speaker 3: We said, do you think your friend is in the wrong.
Speaker 3: It's not going to come as a surprise eighty six
Speaker 3: percent if you said yes, one hundred percent. What she
Speaker 3: did feels very calculated. We then asked, do you think
Speaker 3: the friends should split the money she made? So that
Speaker 3: was another layer to the conversation that I don't think
Speaker 3: so No. So like you didn't do any of the work.
Speaker 3: You gave it away essentially for free, which you were
Speaker 3: going to you anyway, which we were going to do anyway.
Speaker 3: You said you couldn't be bothered selling it, which tells
Speaker 3: me that you never saw any financial gain in this,
Speaker 3: but now you've seen somebody else have financial gain. It's
Speaker 3: kind of like the question of like, if I gave
Speaker 3: you a lot of ticket, Jess, and you want one
Speaker 3: hundred million dollars, do I get anything?
Speaker 2: Yeah?
Speaker 3: Like I gave the gift out of my own free will.
Speaker 3: But now you've benefited more significantly than I have.
Speaker 2: Like I've heard he having families having fights when they
Speaker 2: get like a scratchy and they're stocking on Christmas and
Speaker 2: someone wins like five hundred bucks and they go, oh,
Speaker 2: well I bought that, And so you're totally right, like
Speaker 2: it's the gift thing.
Speaker 3: Yeah, like it's the gift thing. You should be giving
Speaker 3: a gift with absolutely no expectation of reciprocation, I think.
Speaker 3: But we did say, do you think the friends should
Speaker 3: split the money she made? Forty five percent of you
Speaker 3: said yeah, it's the right thing to do, seven percent
Speaker 3: said nope, she did all the work to sell them,
Speaker 3: and forty.
Speaker 4: Eight percent said she doesn't have to, but she should.
Speaker 3: At least offer like the friends should offer, which is
Speaker 3: so fair. And then my favorite part was what would
Speaker 3: you say to your friend if this was you? We said, ah,
Speaker 3: I should have gotten you to run a wardrobe sale
Speaker 3: for me.
Speaker 4: Didn't realize you were.
Speaker 2: Keen on it. Oh my gosh.
Speaker 3: This is my favorite bart because these women in my
Speaker 3: dms right now, they're as petty as I am.
Speaker 4: Welcome Queen.
Speaker 3: Someone else said, glad you found a good home for
Speaker 3: the clothes. Would you be up for joint charity donation?
Speaker 2: That's a good happy medium.
Speaker 3: Someone said, been nice knowing you. Someone said it would
Speaker 3: be over simple as that. Just wouldn't talk to them.
Speaker 3: I would ditch them as a friend. Someone said, wouldn't
Speaker 3: be my friend anymore. Simples. Anybody says simples, I just
Speaker 3: think of that little.
Speaker 2: Bit meat symbols. Yeah, it's really good.
Speaker 3: There's been some other colorful response is I'm not going
Speaker 3: to read out sure, so we hear them off here.
Speaker 4: Oh, I'll read them.
Speaker 3: I will share the screenshot, a screenshot all of these
Speaker 3: to share with the team later. Anyway, someone said, oh, look,
Speaker 3: you made some good money off my wardrobe. I noticed
Speaker 3: you've got everything listed for sale. And then give her
Speaker 3: a chance to offer or split some of the profits,
Speaker 3: letting her know that you know, because you might not
Speaker 3: know that you can see or would even check.
Speaker 4: Lots of you said.
Speaker 3: That you would just ignore it and not be happy
Speaker 3: with it. But it seems that the general consensus is
Speaker 3: that most of you would not be happy about this situation.
Speaker 4: I don't know how you should deal with it.
Speaker 3: I think you need to sit down and think about
Speaker 3: the personality of your friend or you know.
Speaker 4: The situation that you have.
Speaker 3: Is this actually going to put a spanner in the works,
Speaker 3: because I mean going up to your friend and being like, oh,
Speaker 3: I didn't realize you needed the money for this. Like
Speaker 3: they might be just trying to do their best to
Speaker 3: get ahead. There might be in a heap of debt
Speaker 3: and they were really stressed and saw an opportunity.
Speaker 2: Like I don't know.
Speaker 3: I just think everything should be approached with kindness, and ultimately,
Speaker 3: from my perspective, you were leaving the country, we're going
Speaker 3: to donate them anyway. You definitely did still donate them.
Speaker 5: Totally knowing that you have the validation of all in
Speaker 5: the right place.
Speaker 2: Yes, everyone's back in.
Speaker 5: So you're not You're not like in the wrong for
Speaker 5: being wrong.
Speaker 4: But do we need to create drama?
Speaker 5: Sure?
Speaker 2: Sure, think about that. You might not be you know whatever.
Speaker 3: I think that's a good place to leave it this week, guys,
Speaker 3: think so. We hope you have the best weekend. We
Speaker 3: hope you enjoy Valentine's Day. And next week, Jess, you
Speaker 3: and I we're gonna be asking beck about our dates.
Speaker 2: Come back then.
Speaker 4: We can't wait to see you.
Speaker 2: Bye. Bye, guys Bye.
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