WEBVTT - Profiting From Presents?

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

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<v Speaker 1>the Order Kerney Whalbury and a waddery woman. And before

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<v Speaker 1>we get started on She's on the Money podcast, I

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<v Speaker 1>would like to acknowledge the traditional custodians of the land

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<v Speaker 1>of which this podcast is recorded on a wondery country,

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<v Speaker 1>acknowledging the elders, the ancestors and the next generation coming through.

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<v Speaker 1>As this podcast is about connecting, empowering, knowledge sharing and

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<v Speaker 1>the storytelling of you to make a difference for today

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<v Speaker 1>and lasting impact for tomorrow.

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<v Speaker 2>Let's get into it. She's on the Money.

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<v Speaker 3>She's on the Money.

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<v Speaker 2>Hello, and welcome to She's on the Mune the podcast

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<v Speaker 2>Millennials who want financial freedom. Today, my friends, guess what,

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<v Speaker 2>It's Friday, which means it is time to get my

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<v Speaker 2>gorgeous team together and celebrate you the incredible She's on

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<v Speaker 2>the Money community. Today, mister Grig is going to share

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<v Speaker 2>our favorite money wins. Miss beck Sayed has some juicy

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<v Speaker 2>broke tips for you.

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<v Speaker 3>We're going to be.

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<v Speaker 2>Helping to answer a money dilemma, which this week is

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<v Speaker 2>all about income protection, and we're going to unpack something

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<v Speaker 2>that you slid into our DMS, about which this week

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<v Speaker 2>is all about gifting your friends some handy downs or

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<v Speaker 2>an outfit that you love and then they sell them.

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<v Speaker 2>So before we get there, as always, we need to

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

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<v Speaker 2>throw Beck straight under the bus because she.

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<v Speaker 4>Always goes no, Jesse, you go first, Beck.

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<v Speaker 2>How's your week been?

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<v Speaker 5>My week has been really nice. I'm having a little

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<v Speaker 5>slumber party tonight with some adult friends, which.

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<v Speaker 4>Is really cute. So exeah, it's really cute.

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<v Speaker 2>The way you phrased this, like, oh, I'm having some

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

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<v Speaker 2>And I'm like, oh for it. But like you've you've

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<v Speaker 2>done that to yourself.

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

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<v Speaker 4>a lot more.

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<v Speaker 3>You made it sounds a lot better than what it's

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<v Speaker 3>going to be.

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<v Speaker 5>Totally, but it will be really be lollies and stuff

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<v Speaker 5>like that is my dream come true. Anyway, we have

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<v Speaker 5>a slumber party and then I'm actually currently planning a

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<v Speaker 5>Valentine's Day date.

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<v Speaker 2>I'm sorry, what are you doing planning a date?

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<v Speaker 5>Planning dates with a real life human being, a real

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<v Speaker 5>life girl. I was using like AI girlfriend for a

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<v Speaker 5>little while, but you like the real thing.

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<v Speaker 3>That seems quite fair.

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<v Speaker 2>So now you've upgraded and you've got a look back.

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<v Speaker 4>I haven't looked back yet.

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<v Speaker 2>So is this like a hard launch or a soft launch?

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<v Speaker 3>Jess cut this is a soft launch.

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<v Speaker 2>Being elusive, We're being elusive.

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<v Speaker 3>I wonder who it is exactly.

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<v Speaker 4>This is just very very soft launch, A squishy launch,

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<v Speaker 4>squishy launch.

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<v Speaker 6>All the details.

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

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

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<v Speaker 2>week been.

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

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

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<v Speaker 3>Very She's coming to town.

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<v Speaker 6>Well there's that we got a new tailors with album.

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<v Speaker 6>Really did I just know I'm gonna love this one?

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<v Speaker 6>Do you know what I mean? Like it's giving all

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<v Speaker 6>of the.

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<v Speaker 2>Painting our nails green, expecting her to announce reputation, her

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<v Speaker 2>being like, sit down, you guys are so.

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<v Speaker 6>Wrong, and it's you know it's going to be another

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<v Speaker 6>heartbreak one because it's Joe whatever his name is, like

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<v Speaker 6>his speculation, but we know it'll be his album, and

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<v Speaker 6>it just seems like the vibe is going to be immaculate.

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<v Speaker 2>So I'm so excited for that.

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<v Speaker 3>Like I just can't oh.

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<v Speaker 6>My queen and then just prep for the concert next week.

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<v Speaker 2>Costumes going good.

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<v Speaker 6>My rule is I have to, Like I've set myself

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<v Speaker 6>a goal. It needs to be finished by Sunday because

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<v Speaker 6>if I can't let something goes wrong, I need time

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<v Speaker 6>to buy something. So hopefully nobody's seen me have a

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<v Speaker 6>melt down here you can just.

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<v Speaker 2>Call me and let me know and I will help

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<v Speaker 2>you fix it.

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<v Speaker 6>I appreciate that. Hopefully I don't need it, but yeah,

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<v Speaker 6>if you do, though.

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<v Speaker 2>Like let me know.

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<v Speaker 3>I'm not letting you have a melt down.

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<v Speaker 2>I'm pregnant, really pregnant, having a lot of them, and

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<v Speaker 2>nobody deserves melkow.

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

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<v Speaker 2>I haven't cried that much, so I think that's actually

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

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<v Speaker 2>I've done a lot. Actually I can't tell you who

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<v Speaker 2>it was with, but I actually interviewed someone with the

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<v Speaker 2>un Women Australia this week, so fancy I can't share

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<v Speaker 2>who it is. Yet, but I had to be up

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<v Speaker 2>at four thirty am to make their time zone so

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<v Speaker 2>that we could do a good interview, and like, honestly,

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<v Speaker 2>I don't regret any of it. I'm just a little

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

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<v Speaker 2>I think it will be so special. And it honestly

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<v Speaker 2>felt like an honor, Like you know those things where

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<v Speaker 2>you like, are you.

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<v Speaker 3>Sure you meant me?

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<v Speaker 2>Like, I know you meant that I could interview them.

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<v Speaker 2>It's not about me, But are you sure you want

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<v Speaker 2>to compromise yourselves? Mean that? Are you sure? But I

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<v Speaker 2>checked a number of times and they were like, yeah, yeah,

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<v Speaker 2>it's you, and I was like, I can't believe it.

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

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<v Speaker 2>We're not like giving away too much.

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<v Speaker 3>Yeah, yeah, yeah, out that it's been good.

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<v Speaker 2>But yeah, TLDR, I hope this is one of my

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<v Speaker 2>last Friday Drinks episodes because I really want this baby

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<v Speaker 2>out of me already, Guys, I've done.

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

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

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<v Speaker 2>jump into some more stuff about the community, though, Jess,

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<v Speaker 2>I've been perving on the money wins a Confession's thread

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<v Speaker 2>this week, and I feel like there are some juicy ones.

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<v Speaker 2>So what are you bringing to the table.

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<v Speaker 6>Well, I thought we'd start with the money loss that

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<v Speaker 6>I think many of us may have experienced in the

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<v Speaker 6>last week. It's from Jess and she said money loss.

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<v Speaker 6>Didn't win the two hundred million?

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<v Speaker 2>Oh, I feel like my team like.

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<v Speaker 6>We all bought one. Let's everyone except you.

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<v Speaker 2>We went on retreat and all of them were talking

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<v Speaker 2>last week about buying lotto tickets and I'm just sitting

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<v Speaker 2>there being like, do you see what is going on here?

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<v Speaker 2>We fell for the marketing, but you are the problem. Ah, Well,

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<v Speaker 2>two people want a hundred million each? Wow?

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<v Speaker 6>Imagine would have settled for an easily hundred million.

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<v Speaker 4>I don't know, me too. I would love two meal

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<v Speaker 4>if I got a.

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<v Speaker 2>Whole episode and be like, this episode is specifically for

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<v Speaker 2>the two people who won one hundred million dollars and

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<v Speaker 2>it's what I think you should do with it?

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<v Speaker 6>That would be interesting.

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<v Speaker 2>Yeah, the relatives, but really.

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

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

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<v Speaker 6>You have to buy something like a thing, an object

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<v Speaker 6>to the material thing that you were just going to say.

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<v Speaker 2>Pay off my parents' mortgage, but I'm not allowed to

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<v Speaker 2>do that.

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<v Speaker 4>You have to be selfish.

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<v Speaker 2>I really would buy myself all away a puzzle bag,

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<v Speaker 2>cute in the sound color.

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<v Speaker 4>Yeah, I've never heard that my life.

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<v Speaker 3>I'll show you a picture after I think I really

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<v Speaker 3>like it.

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<v Speaker 2>I just can't justify it at this point.

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

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<v Speaker 4>some modest birken Stocks.

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<v Speaker 3>You buy you some modest brecon Stock.

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<v Speaker 2>Have you seen my new birken Stocks?

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<v Speaker 4>I haven't. Don't show me, Jeous you love them.

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<v Speaker 3>I got the Boston's, you got the Yeah.

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<v Speaker 1>Yeah.

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<v Speaker 2>My best friend said that I am two steps away

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<v Speaker 2>from becoming a lesbian, and I'm okay with that.

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<v Speaker 4>That's what I would buy and top up my Mikey.

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<v Speaker 4>That's me.

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<v Speaker 2>I really don't.

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<v Speaker 3>I can't with you, Jessica, You're so practical.

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<v Speaker 6>I buy a house, but then if I have to,

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<v Speaker 6>if we're going as.

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<v Speaker 2>An investment, I'm sorry, no, not having that.

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<v Speaker 6>Then I would buy a Chanel Classic CLA that's mine.

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<v Speaker 6>That's like a ten handbag.

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<v Speaker 4>Does that make it ill? Yeah, its aesthetically pleasing though

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<v Speaker 4>you know it.

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

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<v Speaker 6>has three probably.

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<v Speaker 2>Oh my goodness, right.

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<v Speaker 3>Straight under the Yeah.

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<v Speaker 2>So as we're saying money, when's a confessions?

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<v Speaker 6>I got all right, I've got a money in from Yakira,

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<v Speaker 6>who said, my daughter started competitive chio, which is very expensive.

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<v Speaker 6>I think it's probably similar to dance. But I managed

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<v Speaker 6>to score an as new competition uniform for fifty dollars

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<v Speaker 6>instead of the two hundred and forty it would have

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<v Speaker 6>cost me new Oh my gosh, wow. Respect for all

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<v Speaker 6>the parents out there with kids in activities, because I

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<v Speaker 6>think about my parents looking back, and I'm like, oh,

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<v Speaker 6>kind of in cheap.

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

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<v Speaker 2>like I'm not trying to disrespect it. A lot of

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<v Speaker 2>time energynffort has surely gone into that. But like kids

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

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<v Speaker 2>Like you can't just keep using them.

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<v Speaker 3>It's not like a uniform, is it true.

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

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<v Speaker 6>Well done, Yakira. Then Inez said I have a money win.

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<v Speaker 6>I switched to a Masium after being loyal to a

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<v Speaker 6>big telco for over a decade. I used to pay

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<v Speaker 6>sixty two dollars for fifty gigabytes but would only ever

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<v Speaker 6>use twenty gig max. I found a thirty two gig

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<v Speaker 6>plan for thirty dollars with the unusedtarter rolling over.

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<v Speaker 2>Yeah, it's unlimited and it doesn't stop rolling over.

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

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<v Speaker 6>so I only paid fifteen dollars for a much better plan.

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

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

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<v Speaker 2>we've recently worked with a Masium and that's not even

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<v Speaker 2>a paid sponsorship. But that's a great plug.

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<v Speaker 3>Thank you for that.

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<v Speaker 2>Thank you, and Ess, I'm going to call a Masium

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<v Speaker 2>and be like, hey, so I don't know if you

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<v Speaker 2>know this, but you really should listen to our Friday episode.

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<v Speaker 2>We say some really nice things and by where I

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<v Speaker 2>mean my community, not me.

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<v Speaker 6>Yeah, please sponsor us next time. I got a money

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<v Speaker 6>win from Alika, who said I booked a car hire

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<v Speaker 6>for ound New Zealand trip two months ago. I went

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<v Speaker 6>to edit the booking, and I found that if I'd

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<v Speaker 6>booked the same car today, it would have been almost

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<v Speaker 6>three times more expensive. Money win book in advance.

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<v Speaker 4>Yeah, so smart, so smart, very good idea.

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<v Speaker 6>Then I've got one from Sarah who said I advertised

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<v Speaker 6>a small side table a marketplace for ten dollars. A

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<v Speaker 6>lady came to pick it up and only had twenty dollars,

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<v Speaker 6>and she happily just said keep the change.

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<v Speaker 2>WHOA what money?

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<v Speaker 6>I always have people coming to the door being like, sorry,

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

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<v Speaker 4>Yes?

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<v Speaker 2>I don't know where people get you men have done

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<v Speaker 2>to me, and I've just been like, of course, sorry,

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<v Speaker 2>I don't say it, but of course.

0:10:15.400 --> 0:10:17.400
<v Speaker 6>It's always men, always men, it's always men.

0:10:17.640 --> 0:10:18.600
<v Speaker 4>What did you say?

0:10:18.720 --> 0:10:21.120
<v Speaker 6>So I literally said sorry, like we agreed on seventy.

0:10:21.120 --> 0:10:22.439
<v Speaker 6>There's a seven eleven down the road if you want

0:10:22.440 --> 0:10:22.960
<v Speaker 6>to get a cash out?

0:10:23.040 --> 0:10:24.120
<v Speaker 2>Oh what get?

0:10:24.400 --> 0:10:26.079
<v Speaker 6>And this guy's the guy whos just me last time?

0:10:26.080 --> 0:10:28.760
<v Speaker 2>Sorry, no, no, no, this is the key. We hit the

0:10:28.760 --> 0:10:29.439
<v Speaker 2>money out.

0:10:29.240 --> 0:10:31.400
<v Speaker 6>Of his wallet and was like, I only have fifty

0:10:31.440 --> 0:10:33.320
<v Speaker 6>will you take that instead of seventy? Or whatever it was?

0:10:33.720 --> 0:10:36.000
<v Speaker 6>And then I said to seven elevens down the road

0:10:36.000 --> 0:10:38.240
<v Speaker 6>and he said okay, and so then he got something.

0:10:38.280 --> 0:10:41.360
<v Speaker 6>He had the money in his pocket. I was just like,

0:10:42.600 --> 0:10:49.320
<v Speaker 6>you don't. And we've obviously negotiated back and forth, like

0:10:49.480 --> 0:10:51.080
<v Speaker 6>he was such a pain to talk to. I remember,

0:10:51.120 --> 0:10:54.160
<v Speaker 6>like Negotia, Negotia, negotiate, agreed on a prodict double and

0:10:54.200 --> 0:10:55.800
<v Speaker 6>he's still trying to hustle.

0:10:56.040 --> 0:10:58.880
<v Speaker 2>Hope he's listening to this hat' not because he's not

0:10:58.920 --> 0:11:01.480
<v Speaker 2>money savage kind so true.

0:11:01.760 --> 0:11:03.920
<v Speaker 6>Yeah, anyway, so I feel like else, if you got

0:11:04.600 --> 0:11:06.160
<v Speaker 6>Sarah did really well, he's canceled.

0:11:06.360 --> 0:11:06.920
<v Speaker 1>He is.

0:11:07.240 --> 0:11:10.200
<v Speaker 6>Then I've got a win from z who said I

0:11:10.240 --> 0:11:13.480
<v Speaker 6>collect Google play Point perks every week for free. That's

0:11:13.559 --> 0:11:16.360
<v Speaker 6>quite a tong twister. Say that Baptiz's fast and I

0:11:16.440 --> 0:11:18.640
<v Speaker 6>now have a five dollar voucher to buy She's in

0:11:18.679 --> 0:11:21.960
<v Speaker 6>the Money audiobook. Oh don't know what a Google play

0:11:22.000 --> 0:11:24.680
<v Speaker 6>Point perk is, and maybe look into it though, because

0:11:24.679 --> 0:11:26.760
<v Speaker 6>it sounds like you get free vouchers, which we love.

0:11:26.960 --> 0:11:27.559
<v Speaker 3>I love that.

0:11:27.720 --> 0:11:30.200
<v Speaker 2>I also love I don't know if everybody knows this,

0:11:30.320 --> 0:11:32.280
<v Speaker 2>but you can get all of my audio books for

0:11:32.440 --> 0:11:36.160
<v Speaker 2>free if you are already a Spotify subscriber.

0:11:36.320 --> 0:11:38.640
<v Speaker 3>Good to all of My books are on.

0:11:38.520 --> 0:11:41.800
<v Speaker 2>Spotify, and if you like are a paid member of Spotify,

0:11:41.960 --> 0:11:43.680
<v Speaker 2>you can go listen to them for free, which is

0:11:43.720 --> 0:11:44.760
<v Speaker 2>a very good money win.

0:11:44.960 --> 0:11:46.120
<v Speaker 4>Yeah, yeah, that's great.

0:11:46.320 --> 0:11:48.520
<v Speaker 6>Then lastly, I've got a goodie from Holly who said

0:11:48.559 --> 0:11:50.480
<v Speaker 6>I went to get a roast chook from coals. They

0:11:50.520 --> 0:11:53.560
<v Speaker 6>were none left, but did she get a little voucher

0:11:53.640 --> 0:11:55.199
<v Speaker 6>has a rule but if you go to get a

0:11:55.280 --> 0:11:57.280
<v Speaker 6>chicken and they have none left, you get a voucher

0:11:57.320 --> 0:11:59.160
<v Speaker 6>for a free one boom.

0:11:58.920 --> 0:11:59.560
<v Speaker 2>A free chook.

0:11:59.600 --> 0:11:59.920
<v Speaker 3>Money win.

0:12:00.679 --> 0:12:01.960
<v Speaker 4>That's pretty cool.

0:12:03.120 --> 0:12:03.720
<v Speaker 2>I'm the chicken.

0:12:04.000 --> 0:12:05.800
<v Speaker 6>That's such a good one, and that is so I

0:12:05.880 --> 0:12:07.880
<v Speaker 6>love that we're calling it a chuck. Still, that's so

0:12:09.280 --> 0:12:12.000
<v Speaker 6>I love it. My money is I nearly got scams

0:12:12.040 --> 0:12:12.880
<v Speaker 6>this morning and I didn't.

0:12:13.200 --> 0:12:14.599
<v Speaker 2>How did you nearly get scammed?

0:12:14.760 --> 0:12:15.080
<v Speaker 4>Still?

0:12:15.200 --> 0:12:16.000
<v Speaker 6>Do we want to go on with?

0:12:16.120 --> 0:12:17.840
<v Speaker 2>No? No? No, This is the tangent we're here for.

0:12:17.960 --> 0:12:19.840
<v Speaker 2>It's Friday, and it's our episode.

0:12:19.880 --> 0:12:21.080
<v Speaker 3>We do what we want on this one.

0:12:21.320 --> 0:12:24.240
<v Speaker 6>So I got a text in an email from Recovery's Core,

0:12:24.440 --> 0:12:27.559
<v Speaker 6>which is a debt collection agency, like they're a real agency.

0:12:27.559 --> 0:12:29.400
<v Speaker 6>I've heard of them before, yes, and they were saying

0:12:29.440 --> 0:12:31.400
<v Speaker 6>we're getting in touch with you because you had an

0:12:31.400 --> 0:12:34.680
<v Speaker 6>outstanding Linked toll which, for those who are not in Victoria,

0:12:34.720 --> 0:12:38.400
<v Speaker 6>Linked is our toll system, like for most of the

0:12:38.480 --> 0:12:41.160
<v Speaker 6>roads in Australia all come under Link to the toll roads.

0:12:41.400 --> 0:12:43.320
<v Speaker 6>You had an outstanding debt, it's been passed along to

0:12:43.360 --> 0:12:45.440
<v Speaker 6>us because it hasn't been paid. You know, go through

0:12:45.559 --> 0:12:47.839
<v Speaker 6>looked very legit and you know what, there have been

0:12:47.840 --> 0:12:50.040
<v Speaker 6>times where I've used tolls and like, my thing hasn't

0:12:50.040 --> 0:12:50.640
<v Speaker 6>been popped up.

0:12:50.559 --> 0:12:51.880
<v Speaker 3>In you so you just believe it.

0:12:51.960 --> 0:12:53.840
<v Speaker 2>Yes, I've literally gotten the same thing.

0:12:54.160 --> 0:12:57.080
<v Speaker 6>Yeah, So I and I transferred the money out of

0:12:57.080 --> 0:12:59.400
<v Speaker 6>one of my savers to make the payment, and then

0:12:59.400 --> 0:13:02.280
<v Speaker 6>I just went I don't remember Like normally i'd get

0:13:02.280 --> 0:13:04.720
<v Speaker 6>a text from Linked first being like your balance is

0:13:04.800 --> 0:13:07.480
<v Speaker 6>under like pay your balance whatever, before it would go

0:13:07.520 --> 0:13:09.760
<v Speaker 6>to collections. I was like, I don't remember getting that,

0:13:09.800 --> 0:13:10.160
<v Speaker 6>so like.

0:13:10.160 --> 0:13:13.600
<v Speaker 2>It's not like you to go to collections. You're psychotic

0:13:13.640 --> 0:13:14.319
<v Speaker 2>with your budgeting.

0:13:15.080 --> 0:13:18.040
<v Speaker 6>Sly good. So I went to the website and I

0:13:18.120 --> 0:13:19.719
<v Speaker 6>like my account was still turned on. I was like,

0:13:19.760 --> 0:13:21.560
<v Speaker 6>that's really strange, and so then I went to the

0:13:21.600 --> 0:13:24.920
<v Speaker 6>Recovery's Court website and luckily this must be a really

0:13:24.920 --> 0:13:28.319
<v Speaker 6>common scam because on their homepage of their website they

0:13:28.360 --> 0:13:33.160
<v Speaker 6>have we're aware of a scam going around regarding linked invoices.

0:13:33.559 --> 0:13:35.920
<v Speaker 6>If you have received something, please make sure that it's

0:13:36.000 --> 0:13:37.480
<v Speaker 6>legitimate before you do it. So then I got on

0:13:37.520 --> 0:13:39.240
<v Speaker 6>the linked they had like a chat online and I

0:13:39.280 --> 0:13:41.040
<v Speaker 6>just said, hey, like, I've got this, can you check?

0:13:41.080 --> 0:13:43.120
<v Speaker 6>And it took like ten minutes, but they're like, no, no,

0:13:43.160 --> 0:13:45.880
<v Speaker 6>like you've got nothing outstanding. I nearly paid a scammer.

0:13:48.080 --> 0:13:50.120
<v Speaker 6>Nearly paid because it was like it was, you know

0:13:50.120 --> 0:13:53.600
<v Speaker 6>how normally the email well, and I checked the email.

0:13:53.640 --> 0:13:55.880
<v Speaker 6>It was a proper like looking email. It wasn't like

0:13:56.360 --> 0:14:01.200
<v Speaker 6>sexy boy one two three gmail dot com. I'm sorry,

0:14:04.320 --> 0:14:08.680
<v Speaker 6>you looked very real if you read no, I've got

0:14:08.920 --> 0:14:10.240
<v Speaker 6>I've gotten a couple of them.

0:14:10.360 --> 0:14:13.560
<v Speaker 2>And usually the Telltales sign and Jess you probably saw

0:14:13.600 --> 0:14:17.720
<v Speaker 2>this is usually the URL is foreign, so the URL

0:14:17.840 --> 0:14:22.080
<v Speaker 2>does not send you to the Recovery's Corp website directly.

0:14:22.480 --> 0:14:25.680
<v Speaker 2>And I think that if in doubt, go direct, And

0:14:25.720 --> 0:14:28.400
<v Speaker 2>I think that that's the best tip here. Like a

0:14:28.520 --> 0:14:31.800
<v Speaker 2>bank texts you, they're never actually ever gonna ask for

0:14:31.840 --> 0:14:35.480
<v Speaker 2>personal informational details. So like if there is a debt

0:14:35.840 --> 0:14:38.400
<v Speaker 2>with linked goes straight to linked to be like, hey,

0:14:38.960 --> 0:14:40.720
<v Speaker 2>what's this debt about, and they can clear it up.

0:14:41.040 --> 0:14:41.320
<v Speaker 5>You.

0:14:41.720 --> 0:14:43.880
<v Speaker 2>I would triple check everything at the moment because I'm

0:14:43.920 --> 0:14:46.320
<v Speaker 2>getting so many text messages and I don't know where

0:14:46.320 --> 0:14:49.360
<v Speaker 2>they're getting my number of like you owe this or

0:14:49.600 --> 0:14:52.240
<v Speaker 2>my favorite scam? At the moment, I say favorite just

0:14:52.240 --> 0:14:53.880
<v Speaker 2>because it's in my inbox all the time.

0:14:53.880 --> 0:14:54.920
<v Speaker 3>They're like, we.

0:14:54.880 --> 0:14:57.680
<v Speaker 2>Tried to deliver a parcel and your address was incorrect.

0:14:57.760 --> 0:15:00.200
<v Speaker 2>Click here and it always comes through it for where

0:15:00.200 --> 0:15:00.520
<v Speaker 2>I am.

0:15:00.680 --> 0:15:02.440
<v Speaker 3>And then you look at the url and I go.

0:15:03.160 --> 0:15:06.400
<v Speaker 2>Pretty sure oz Post's website is an oz posty dot com.

0:15:07.800 --> 0:15:08.800
<v Speaker 3>It's not you know.

0:15:08.920 --> 0:15:11.760
<v Speaker 6>Yeah, there's a lot my bank text mean, so there's

0:15:11.800 --> 0:15:13.480
<v Speaker 6>lots of scams. Be careful. So it must be that

0:15:13.520 --> 0:15:15.480
<v Speaker 6>time of year to be did you reminder?

0:15:15.960 --> 0:15:20.200
<v Speaker 2>Reminder? Let's move on though, Miss beck'say ed, yes, Now,

0:15:20.320 --> 0:15:22.480
<v Speaker 2>broke tips are you bringing to this table?

0:15:22.920 --> 0:15:25.720
<v Speaker 4>Very good question? Be so, actually I want to start

0:15:25.760 --> 0:15:27.560
<v Speaker 4>off this is not a broad tip, but I'm a.

0:15:28.120 --> 0:15:30.400
<v Speaker 2>Lot of money in I guess. So let's pretend your

0:15:30.400 --> 0:15:34.080
<v Speaker 2>segment hasn't started and you're just slotting into Jess's. Yeah, okay,

0:15:34.600 --> 0:15:36.880
<v Speaker 2>is that okay, well, will you let beck share a

0:15:36.960 --> 0:15:38.200
<v Speaker 2>money win? I would love that.

0:15:38.400 --> 0:15:39.120
<v Speaker 4>Can I beig back?

0:15:39.200 --> 0:15:39.600
<v Speaker 2>Please?

0:15:39.640 --> 0:15:41.600
<v Speaker 4>Thank you so much, just you're so kind.

0:15:42.120 --> 0:15:46.320
<v Speaker 5>So a few different group chats separately have gone off

0:15:46.520 --> 0:15:51.440
<v Speaker 5>with screenshots of I can't really recall what company this is.

0:15:51.480 --> 0:15:53.960
<v Speaker 5>I'm really sorry, it's probably very unhelpful. But there's so

0:15:54.040 --> 0:15:57.040
<v Speaker 5>many really really cheap return flights to Japan.

0:15:57.240 --> 0:15:59.800
<v Speaker 2>I believe they're flying around everywhere.

0:16:00.080 --> 0:16:01.320
<v Speaker 4>Yeah, like, why is it so cheap?

0:16:01.440 --> 0:16:02.840
<v Speaker 2>I don't know, but let's go to Japan.

0:16:03.360 --> 0:16:05.520
<v Speaker 6>I'm thinking about it.

0:16:05.680 --> 0:16:10.040
<v Speaker 2>I think it's through not to she's on tour, yeah yeah, yeah,

0:16:10.160 --> 0:16:10.400
<v Speaker 2>oh my.

0:16:10.640 --> 0:16:12.760
<v Speaker 6>If anyone out they would like to send us to Japan.

0:16:12.800 --> 0:16:15.040
<v Speaker 2>If anyone even just wants it's like, you know, and

0:16:15.080 --> 0:16:17.200
<v Speaker 2>sometimes Jess I text scroup chat and I say one

0:16:17.360 --> 0:16:19.760
<v Speaker 2>like and I'll have a croissant for lunch, and then

0:16:19.800 --> 0:16:23.400
<v Speaker 2>I like it myself. It's like that anyone d and says, oh,

0:16:23.480 --> 0:16:25.440
<v Speaker 2>we want to see she's on the money in Japan,

0:16:25.720 --> 0:16:27.840
<v Speaker 2>Well we'll just have to do it.

0:16:28.120 --> 0:16:29.840
<v Speaker 5>I feel like it's like one like one prayer, but

0:16:29.920 --> 0:16:33.360
<v Speaker 5>in this instance, it's one comment or one DM saying

0:16:33.360 --> 0:16:34.040
<v Speaker 5>we should go to Japan.

0:16:35.000 --> 0:16:35.800
<v Speaker 4>Go to Japan, but.

0:16:35.760 --> 0:16:38.400
<v Speaker 2>They're so cheap, and I've also seen really cheap return

0:16:38.440 --> 0:16:39.560
<v Speaker 2>flights to Bali.

0:16:39.760 --> 0:16:45.040
<v Speaker 4>Like too hot, too hot, I'm so sorry, give me

0:16:45.080 --> 0:16:47.280
<v Speaker 4>some broke tips then, yes, okay, here we go.

0:16:47.600 --> 0:16:49.720
<v Speaker 5>Okay, So, as usual, we have two from the community,

0:16:49.720 --> 0:16:52.400
<v Speaker 5>one from myself. The first one comes from Kara, my

0:16:52.440 --> 0:16:55.840
<v Speaker 5>friend Kara from Sydney. She said that octical scroup surveys

0:16:55.840 --> 0:16:57.600
<v Speaker 5>are a good way to make extra cash. So I

0:16:57.640 --> 0:16:59.800
<v Speaker 5>know that we have mentioned surveys before, but this is

0:16:59.800 --> 0:17:02.160
<v Speaker 5>the I had heard of octopus group surveys.

0:17:02.200 --> 0:17:04.440
<v Speaker 2>They're pretty popular in the She's on the money community,

0:17:04.520 --> 0:17:06.600
<v Speaker 2>so I think they're legit too. Okay, there you go,

0:17:06.680 --> 0:17:07.200
<v Speaker 2>are you in?

0:17:07.400 --> 0:17:10.680
<v Speaker 4>I literally might jump on there myself after this. Okay.

0:17:10.840 --> 0:17:14.080
<v Speaker 5>So the next one comes from Shell, who says the

0:17:14.119 --> 0:17:17.200
<v Speaker 5>heart of Carlton so food and drinks for five dollars

0:17:17.200 --> 0:17:19.680
<v Speaker 5>and under. This place is actually quite close to my.

0:17:19.640 --> 0:17:22.720
<v Speaker 2>House, so I might check this out money good research

0:17:23.359 --> 0:17:25.040
<v Speaker 2>the podcast, Yes.

0:17:25.080 --> 0:17:29.080
<v Speaker 4>Exactly to treat yourself exactly.

0:17:29.680 --> 0:17:33.240
<v Speaker 5>So my own one. This one might seem a little

0:17:33.240 --> 0:17:38.160
<v Speaker 5>bit common sensical, but I would say, if possible, use

0:17:38.320 --> 0:17:42.240
<v Speaker 5>a good petrol forecasting site. The one that I came

0:17:42.280 --> 0:17:46.639
<v Speaker 5>across was connecting the dots dot com today U Forecasting. Yeah,

0:17:46.680 --> 0:17:48.439
<v Speaker 5>but you can kind of like have a Google and

0:17:48.480 --> 0:17:51.520
<v Speaker 5>see what's out there, as well as obviously petrol spy,

0:17:51.640 --> 0:17:54.680
<v Speaker 5>which we do talk about, and when petrol is low,

0:17:55.320 --> 0:17:59.160
<v Speaker 5>if possible, try and just stock up on jerry Can's obviously.

0:17:59.600 --> 0:18:00.760
<v Speaker 4>Oh no, I've got safety.

0:18:01.040 --> 0:18:03.960
<v Speaker 2>You use those apps. Do exactly what Becky is saying,

0:18:04.440 --> 0:18:07.480
<v Speaker 2>find the cheapest petrol, then go to your seven eleven

0:18:07.520 --> 0:18:08.920
<v Speaker 2>app and lock it in so you don't need a

0:18:09.000 --> 0:18:11.280
<v Speaker 2>jerry Can. You've got the price locked in for the

0:18:11.480 --> 0:18:11.960
<v Speaker 2>next filler.

0:18:12.359 --> 0:18:13.879
<v Speaker 5>Yes, that's true. I think that only lasts like a

0:18:13.880 --> 0:18:15.960
<v Speaker 5>week though. That's okay, but it is. That's all right,

0:18:16.040 --> 0:18:18.359
<v Speaker 5>that's a good deal. Yeah, it really is good. If

0:18:18.359 --> 0:18:20.160
<v Speaker 5>you're going to be using that much petrol in the week,

0:18:20.200 --> 0:18:21.919
<v Speaker 5>it's really good. And even if you're not, like, it's

0:18:21.920 --> 0:18:23.959
<v Speaker 5>still good to just like keeping a little top up,

0:18:24.040 --> 0:18:26.040
<v Speaker 5>just do a top up. But I would say, like, yes,

0:18:26.119 --> 0:18:28.439
<v Speaker 5>store safely, make sure you store safety.

0:18:28.400 --> 0:18:31.240
<v Speaker 2>Do you actually feel jerry cans full of petrol? Backside?

0:18:31.480 --> 0:18:33.040
<v Speaker 5>I do, but only because you know, my best friend

0:18:33.119 --> 0:18:36.360
<v Speaker 5>live has a caravan and that makes sense. I think

0:18:36.600 --> 0:18:38.159
<v Speaker 5>the biggest one where you have is like I don't know,

0:18:38.200 --> 0:18:39.320
<v Speaker 5>fifteen leadles or something.

0:18:39.320 --> 0:18:39.880
<v Speaker 2>But that's good.

0:18:39.920 --> 0:18:40.879
<v Speaker 4>That's like half a tank.

0:18:41.080 --> 0:18:42.440
<v Speaker 2>Yeah, that's a good deal.

0:18:42.560 --> 0:18:44.920
<v Speaker 4>So do that because sometimes it's been too Sometimes it's

0:18:44.920 --> 0:18:45.600
<v Speaker 4>a dollar sixty.

0:18:45.640 --> 0:18:47.200
<v Speaker 2>I don't know if I could trust myself to fill

0:18:47.200 --> 0:18:49.000
<v Speaker 2>a jerry can without tipping it over, if.

0:18:48.920 --> 0:18:50.440
<v Speaker 6>I carried one down the highway before.

0:18:50.480 --> 0:18:51.240
<v Speaker 3>It's not that it's.

0:18:53.520 --> 0:18:55.080
<v Speaker 6>Broke down and we had to walk the petrol station

0:18:55.160 --> 0:18:55.800
<v Speaker 6>there to walk back.

0:18:56.640 --> 0:18:57.720
<v Speaker 3>Hot girl shit only.

0:18:58.119 --> 0:18:58.840
<v Speaker 4>Yeah, that's pretty hot.

0:18:58.920 --> 0:19:02.000
<v Speaker 2>That's pretty good. She's a self sufficient queen. Yeah, all right,

0:19:02.080 --> 0:19:04.120
<v Speaker 2>let's go to a really quick break on the flip side.

0:19:04.160 --> 0:19:06.880
<v Speaker 2>We're going to be talking about one of my favorite topics,

0:19:06.920 --> 0:19:10.480
<v Speaker 2>income protection, and we're also going to be unpacking something

0:19:10.480 --> 0:19:12.640
<v Speaker 2>you slid into our DMS about this week.

0:19:12.680 --> 0:19:14.840
<v Speaker 3>We're talking about giving a friend your hand.

0:19:14.680 --> 0:19:17.040
<v Speaker 2>Me downs and then they sell them on you guys,

0:19:17.080 --> 0:19:18.000
<v Speaker 2>don't go anywhere.

0:19:22.680 --> 0:19:25.399
<v Speaker 6>Welcome back, everybody. Let's take a listen to this week's

0:19:25.440 --> 0:19:26.240
<v Speaker 6>money dilemma.

0:19:28.440 --> 0:19:30.840
<v Speaker 2>Hi, there, have you got a money dilemma you just

0:19:30.880 --> 0:19:33.400
<v Speaker 2>can't solve? The She's on the Money team is here

0:19:33.440 --> 0:19:36.640
<v Speaker 2>to help. Every week, we tackle your dilemmas, both big

0:19:36.720 --> 0:19:39.399
<v Speaker 2>and small, to answer your most burning money, career and

0:19:39.480 --> 0:19:42.680
<v Speaker 2>life questions. To get involved, simply head to our website

0:19:42.680 --> 0:19:44.800
<v Speaker 2>and leave us a short voice recording and you might

0:19:44.880 --> 0:19:47.399
<v Speaker 2>just find yourself on the show. Now, let's take a

0:19:47.440 --> 0:19:49.200
<v Speaker 2>listen to this week's money dilemma.

0:19:52.480 --> 0:19:53.480
<v Speaker 7>Hi, she's on the money.

0:19:53.760 --> 0:19:56.480
<v Speaker 8>I have a question about income protection. I've been seeing

0:19:56.520 --> 0:19:59.760
<v Speaker 8>so much on your socials about the topic, and I

0:19:59.840 --> 0:20:01.800
<v Speaker 8>was wondering if you could shed some light on what

0:20:01.840 --> 0:20:04.240
<v Speaker 8>that would look like for people who already have some

0:20:04.359 --> 0:20:05.280
<v Speaker 8>medical issues.

0:20:05.720 --> 0:20:09.040
<v Speaker 7>I myself had a heart attack last year, and I

0:20:09.200 --> 0:20:12.800
<v Speaker 7>just feel a little bit scared and embarrassed to apply

0:20:12.880 --> 0:20:16.040
<v Speaker 7>for income protection because I'm worried they will just say

0:20:16.080 --> 0:20:18.200
<v Speaker 7>no and I'll feel a bit lost.

0:20:18.720 --> 0:20:20.080
<v Speaker 8>If you could help, that would be great.

0:20:20.160 --> 0:20:22.000
<v Speaker 6>Thank you, don't feel embarrassed.

0:20:22.080 --> 0:20:23.200
<v Speaker 2>Don't feel embarrassed.

0:20:23.200 --> 0:20:26.240
<v Speaker 6>Good thing you're thinking about. It absolutely an anecdote before

0:20:26.320 --> 0:20:27.880
<v Speaker 6>VD takes it away, because I think this is your

0:20:27.880 --> 0:20:28.600
<v Speaker 6>time to shut up.

0:20:28.600 --> 0:20:31.080
<v Speaker 2>It's not I'm not needed around here. That's why you

0:20:31.119 --> 0:20:32.439
<v Speaker 2>guys are like, why don't you just go have a

0:20:32.480 --> 0:20:34.520
<v Speaker 2>baby soon. We don't even want you on the show anymore.

0:20:34.600 --> 0:20:35.480
<v Speaker 4>Yeah, step out of the room.

0:20:35.480 --> 0:20:39.800
<v Speaker 2>Actually, I've got the wheel from here, but one of

0:20:39.840 --> 0:20:43.040
<v Speaker 2>our beautiful community members message just actually this week about

0:20:43.359 --> 0:20:45.359
<v Speaker 2>income protection and how we've been talking about it, and

0:20:45.400 --> 0:20:47.520
<v Speaker 2>they just said how grateful they were because they had

0:20:47.600 --> 0:20:50.479
<v Speaker 2>gotten income protection since listening to the show did they

0:20:50.480 --> 0:20:53.600
<v Speaker 2>actually a little while ago, And unfortunately they were recently

0:20:53.640 --> 0:20:57.960
<v Speaker 2>diagnosed with cancer and they they are now obviously going

0:20:58.000 --> 0:21:00.720
<v Speaker 2>through treatment and we're sending them so much love and

0:21:00.760 --> 0:21:03.280
<v Speaker 2>so many good vibes. But she said that she was

0:21:03.320 --> 0:21:05.920
<v Speaker 2>so grateful because she can just focus on her recovery

0:21:05.920 --> 0:21:08.080
<v Speaker 2>and doing what she needs to do because she has

0:21:08.119 --> 0:21:11.560
<v Speaker 2>her income protection and she's fully sortied. Yeah, Like it

0:21:11.600 --> 0:21:15.120
<v Speaker 2>breaks my heart because these conditions are serious and awful

0:21:15.200 --> 0:21:17.840
<v Speaker 2>and no one should have to experience them, but if

0:21:17.840 --> 0:21:21.600
<v Speaker 2>you are going to experience them, at least you don't

0:21:21.680 --> 0:21:22.600
<v Speaker 2>have to worry about money.

0:21:22.880 --> 0:21:25.239
<v Speaker 6>Like she was so positive. She was like, it's she

0:21:25.480 --> 0:21:28.360
<v Speaker 6>seems like really confident and really positive about her situation.

0:21:29.080 --> 0:21:32.240
<v Speaker 6>And yeah, the fact that she had listened in thought

0:21:32.240 --> 0:21:34.200
<v Speaker 6>and put that in place to be able to put

0:21:34.200 --> 0:21:37.159
<v Speaker 6>herself and I was just it made us so happy

0:21:37.200 --> 0:21:40.000
<v Speaker 6>to hear. Yeah, and we're sending everyone listening to the

0:21:40.000 --> 0:21:42.200
<v Speaker 6>pot right now send her a good thought. Yeah, please

0:21:42.200 --> 0:21:42.720
<v Speaker 6>take a mama.

0:21:42.760 --> 0:21:43.600
<v Speaker 4>I love it totally.

0:21:43.680 --> 0:21:45.159
<v Speaker 2>I love it, and it sounds like you've had a

0:21:45.240 --> 0:21:47.240
<v Speaker 2>rough time. You sound so young and you've had a

0:21:47.240 --> 0:21:51.080
<v Speaker 2>heart attack, Like holy guacamole. One queen behavior getting through that.

0:21:51.480 --> 0:21:54.760
<v Speaker 2>But two, don't be afraid of reaching out for advice

0:21:54.800 --> 0:21:58.000
<v Speaker 2>on income protection or any type of insurance when it

0:21:58.000 --> 0:21:59.520
<v Speaker 2>comes to like personal insurances.

0:21:59.600 --> 0:21:59.760
<v Speaker 6>Right.

0:22:00.200 --> 0:22:03.159
<v Speaker 2>This is why last week I had feel from Skywealth

0:22:03.240 --> 0:22:05.280
<v Speaker 2>on the show, because I want to show you that

0:22:05.359 --> 0:22:09.280
<v Speaker 2>it is not as overwhelming as often can seem. Like Jess,

0:22:09.320 --> 0:22:12.840
<v Speaker 2>you've been through the whole income protection, whole financial advice

0:22:12.920 --> 0:22:16.440
<v Speaker 2>kit and kaboodle with Phil, and I can almost put

0:22:16.480 --> 0:22:17.959
<v Speaker 2>words in your mouth and say it wasn't nearly as

0:22:17.960 --> 0:22:18.960
<v Speaker 2>overwhelming as you thought.

0:22:18.840 --> 0:22:19.239
<v Speaker 3>It would be.

0:22:19.720 --> 0:22:23.439
<v Speaker 2>So the thing with your pre existing condition, which is

0:22:23.440 --> 0:22:25.439
<v Speaker 2>what it's going to be seen as, is yes, you

0:22:25.480 --> 0:22:27.560
<v Speaker 2>are correct. That is a conversation that is going to

0:22:27.600 --> 0:22:30.160
<v Speaker 2>have to come up. This is why I would never

0:22:30.359 --> 0:22:32.879
<v Speaker 2>ask you or recommend that you go and get a

0:22:32.960 --> 0:22:35.679
<v Speaker 2>retail policy on your own. I need you to go

0:22:35.720 --> 0:22:39.080
<v Speaker 2>and talk to a good financial advisor about this because

0:22:39.080 --> 0:22:41.680
<v Speaker 2>that is a pre existing condition that you are correct

0:22:42.160 --> 0:22:46.040
<v Speaker 2>will hinder your application, but it does not mean it

0:22:46.080 --> 0:22:49.120
<v Speaker 2>will be declined. It means that there is very likely

0:22:49.200 --> 0:22:52.960
<v Speaker 2>going to be an exclusion on your policy. So this

0:22:53.040 --> 0:22:56.159
<v Speaker 2>is going to sound really awful, But you might have

0:22:56.280 --> 0:22:57.640
<v Speaker 2>something else happen to you.

0:22:57.640 --> 0:22:59.680
<v Speaker 3>You might end up ultimately and.

0:22:59.640 --> 0:23:01.720
<v Speaker 2>Let's say it was yesterday, because we would never ill

0:23:01.760 --> 0:23:04.880
<v Speaker 2>wish something into the future, but yesterday you were diagnosed

0:23:04.920 --> 0:23:08.200
<v Speaker 2>with cancer, even though you have had a pre existing

0:23:08.200 --> 0:23:10.480
<v Speaker 2>condition of a heart attack. If we know that they

0:23:10.520 --> 0:23:14.640
<v Speaker 2>aren't linked, you will usually still be covered under income protection,

0:23:15.080 --> 0:23:18.840
<v Speaker 2>same with mental health, same with everything else. You might

0:23:18.880 --> 0:23:21.960
<v Speaker 2>get an exclusion and they'll say, look, let's use Jess

0:23:21.960 --> 0:23:24.680
<v Speaker 2>as an example, because I'm happy to divulge her personal

0:23:25.160 --> 0:23:28.280
<v Speaker 2>you know, information on me here, right, So, Jess, I

0:23:28.359 --> 0:23:30.600
<v Speaker 2>know that one of your knees is excluded because you

0:23:30.720 --> 0:23:33.560
<v Speaker 2>had a pre existing condition in it. That is just

0:23:33.640 --> 0:23:35.880
<v Speaker 2>your Is it your left knee, it's your right knee. Left,

0:23:35.920 --> 0:23:38.560
<v Speaker 2>it's your left knee. So Jess, if something happens to

0:23:38.600 --> 0:23:41.920
<v Speaker 2>her left knee, your insurer is going to say, look, Jess, Rudy,

0:23:42.000 --> 0:23:43.600
<v Speaker 2>it was a bit bung already.

0:23:44.080 --> 0:23:45.000
<v Speaker 3>We're not going to cover that.

0:23:45.080 --> 0:23:47.159
<v Speaker 2>But if something happened to your right knee, they're going

0:23:47.240 --> 0:23:50.040
<v Speaker 2>to cover that, right and the same with your heart attack.

0:23:50.280 --> 0:23:53.120
<v Speaker 2>They're going to say, look, I'm so sorry that that happened.

0:23:53.480 --> 0:23:57.920
<v Speaker 2>We will offer you a completely comprehensive policy, but not

0:23:58.040 --> 0:24:00.560
<v Speaker 2>include heart attack. So anything could happen and you will

0:24:00.560 --> 0:24:03.120
<v Speaker 2>look after you. But because you have already had one

0:24:03.160 --> 0:24:05.479
<v Speaker 2>heart attack, and at the end of the day, we

0:24:05.520 --> 0:24:07.480
<v Speaker 2>do a lot of underwriting and we look at the risk.

0:24:08.119 --> 0:24:11.199
<v Speaker 2>There's a probability that you'll have another heart attack, and

0:24:11.400 --> 0:24:13.119
<v Speaker 2>we don't really want to take that risk on. So

0:24:13.160 --> 0:24:15.959
<v Speaker 2>we'll help you in every other which way. But if

0:24:16.000 --> 0:24:18.320
<v Speaker 2>you have another heart attack, you can't claim on this policy,

0:24:18.520 --> 0:24:21.440
<v Speaker 2>and you might go Great. That works for me because

0:24:21.440 --> 0:24:23.720
<v Speaker 2>I actually want to make sure that I'm covered holistically

0:24:23.760 --> 0:24:25.879
<v Speaker 2>in the rest of my life. The heart attack thing,

0:24:26.040 --> 0:24:29.480
<v Speaker 2>it really bloody sucks that it's excluded. And that's why

0:24:29.520 --> 0:24:34.000
<v Speaker 2>I always implore people to get income protection and their

0:24:34.040 --> 0:24:38.359
<v Speaker 2>life insurance and everything set up before something happens, because

0:24:38.359 --> 0:24:41.080
<v Speaker 2>no one wants a major life event. No one expects

0:24:41.160 --> 0:24:43.119
<v Speaker 2>that to happen to them, like no one wants to

0:24:43.119 --> 0:24:46.040
<v Speaker 2>have a bung knee from playing sport. But the younger

0:24:46.080 --> 0:24:47.640
<v Speaker 2>you get it, the more likely you are to get

0:24:47.640 --> 0:24:50.240
<v Speaker 2>a policy that has absolutely no exclusions. But now you're

0:24:50.280 --> 0:24:53.119
<v Speaker 2>in this position, I would absolutely be sitting down with

0:24:53.200 --> 0:24:55.920
<v Speaker 2>someone like Phil and saying, hey, have had a heart attack.

0:24:55.960 --> 0:24:57.800
<v Speaker 3>How do I protect myself from everything else?

0:24:58.000 --> 0:25:01.000
<v Speaker 2>Yeah, and that is definitely f No one's going to

0:25:01.040 --> 0:25:03.760
<v Speaker 2>decline it based on that, and a good financial advisor

0:25:04.119 --> 0:25:06.080
<v Speaker 2>is going to go right. You're kind of a special

0:25:06.119 --> 0:25:08.760
<v Speaker 2>case because you do have a really big pre existing condition.

0:25:09.000 --> 0:25:10.119
<v Speaker 3>They're going to shop it around.

0:25:10.400 --> 0:25:14.000
<v Speaker 2>They're not going to submit an application that ultimately gets declined.

0:25:14.440 --> 0:25:17.840
<v Speaker 2>I do not know a financial advisor who would knowingly

0:25:17.880 --> 0:25:21.000
<v Speaker 2>submit an application that could get declined. And I've even

0:25:21.040 --> 0:25:23.960
<v Speaker 2>been in the position as the financial advisor when I

0:25:24.119 --> 0:25:26.639
<v Speaker 2>was one where I had submitted an application for a client.

0:25:27.240 --> 0:25:29.480
<v Speaker 2>They had told me that they had told me everything.

0:25:29.760 --> 0:25:31.880
<v Speaker 2>And I get a call from the underwriter and they're like, hey,

0:25:32.000 --> 0:25:35.080
<v Speaker 2>so we requested their medical history and this pre existing

0:25:35.080 --> 0:25:37.359
<v Speaker 2>condition came up. Were you privy to that because it

0:25:37.440 --> 0:25:40.080
<v Speaker 2>wasn't in their application form? And I go, no, please

0:25:40.160 --> 0:25:41.879
<v Speaker 2>let me get back to you. And so then I

0:25:41.920 --> 0:25:44.440
<v Speaker 2>call the client and say, hey, client, you know, Jess,

0:25:44.720 --> 0:25:47.119
<v Speaker 2>you didn't tell me about your knee and that's actually

0:25:47.160 --> 0:25:49.439
<v Speaker 2>just come up in underwriting. The underwriter has called me

0:25:49.480 --> 0:25:51.120
<v Speaker 2>and said, hey, this has come up, but you didn't

0:25:51.119 --> 0:25:53.400
<v Speaker 2>disclose it, like what's going on? And then I can

0:25:53.440 --> 0:25:56.280
<v Speaker 2>have a conversation with you about what we do moving forward.

0:25:56.600 --> 0:25:58.800
<v Speaker 2>And then usually in that situation, I'll call the underwriter

0:25:58.880 --> 0:26:00.800
<v Speaker 2>back at the insurance company like, hey, I've had a

0:26:00.880 --> 0:26:04.200
<v Speaker 2>chat with the client, like it's not ongoing, what's your

0:26:04.240 --> 0:26:07.600
<v Speaker 2>probability of declining this application because of my client's knee,

0:26:07.600 --> 0:26:09.160
<v Speaker 2>And they'll go, oh, look, it's just a knee. We'll

0:26:09.160 --> 0:26:12.800
<v Speaker 2>probably you know, probably won't do anything. We'll just exclude

0:26:12.800 --> 0:26:13.840
<v Speaker 2>it and so we're not going to cover it and

0:26:13.920 --> 0:26:16.400
<v Speaker 2>go Okay, no worries. That's the outcome I was expecting.

0:26:16.960 --> 0:26:19.280
<v Speaker 2>Or they might go, well, actually that's a really big thing,

0:26:19.400 --> 0:26:21.480
<v Speaker 2>you know, at the moment, we're really cracking down on

0:26:21.520 --> 0:26:23.920
<v Speaker 2>this that the other. And then as the financial advisor,

0:26:24.000 --> 0:26:26.200
<v Speaker 2>I have said, okay, well, at this point, I would

0:26:26.240 --> 0:26:28.560
<v Speaker 2>like to withdraw my application and I'm going to go

0:26:28.600 --> 0:26:32.520
<v Speaker 2>back and speak to my client potentially change insurers because

0:26:32.560 --> 0:26:34.520
<v Speaker 2>I do not want my client to get a decline.

0:26:35.000 --> 0:26:37.440
<v Speaker 2>I do not want that on their record. And Jess,

0:26:37.480 --> 0:26:39.240
<v Speaker 2>as you would know, you filled out forms. One of

0:26:39.240 --> 0:26:41.960
<v Speaker 2>the questions they ask is have you ever been declined

0:26:42.080 --> 0:26:45.720
<v Speaker 2>insurance from another insurer before? And you have to disclose

0:26:45.760 --> 0:26:48.840
<v Speaker 2>that and if I withdraw your application because I'm on

0:26:48.920 --> 0:26:51.359
<v Speaker 2>top of it, you say, well, no, no, I haven't

0:26:51.400 --> 0:26:51.920
<v Speaker 2>been decliented.

0:26:52.000 --> 0:26:52.560
<v Speaker 6>Yeah. Never.

0:26:53.080 --> 0:26:54.960
<v Speaker 2>So I think it's really important to work with a

0:26:54.960 --> 0:26:58.280
<v Speaker 2>good financial advisor that has your back but also has

0:26:58.680 --> 0:27:01.320
<v Speaker 2>a really good relationship with those insurers. Because Jess I

0:27:01.440 --> 0:27:04.199
<v Speaker 2>might go all right, well, sorry, I know I recommended Zurich,

0:27:04.520 --> 0:27:06.440
<v Speaker 2>but that was because you didn't tell me you had

0:27:06.440 --> 0:27:09.600
<v Speaker 2>this condition. Let me go redo my applications and this

0:27:09.640 --> 0:27:11.680
<v Speaker 2>time we're going to apply with MLC, or we might

0:27:11.680 --> 0:27:15.480
<v Speaker 2>apply with AIA or a different insurer because I know

0:27:15.560 --> 0:27:17.200
<v Speaker 2>that their policy is a little bit different or a

0:27:17.240 --> 0:27:19.480
<v Speaker 2>little bit more flexible, or you know, we can ask

0:27:19.520 --> 0:27:21.879
<v Speaker 2>for an exclusion on that before they enforce it. So

0:27:21.920 --> 0:27:24.040
<v Speaker 2>I think that's a very long way of saying, please

0:27:24.080 --> 0:27:26.400
<v Speaker 2>just talk to a financial advisor. It's not silly, it's

0:27:26.400 --> 0:27:29.080
<v Speaker 2>not dumb. In fact, it's putting future you in the

0:27:29.080 --> 0:27:35.359
<v Speaker 2>best possible position. Yeah, yep, amen, true, that's what I meant.

0:27:35.560 --> 0:27:40.200
<v Speaker 3>Should we dive in, I'm ready, are you ready, absolutely ready?

0:27:40.320 --> 0:27:43.080
<v Speaker 2>Drop yourselves in. We have the DM of the week.

0:27:43.480 --> 0:27:46.359
<v Speaker 2>All right, here's the DM we received. Hello, she's on

0:27:46.400 --> 0:27:49.280
<v Speaker 2>the money. So I'm moving overseas and was doing a

0:27:49.320 --> 0:27:52.679
<v Speaker 2>big wardrobe chuck out as I can't take everything with me.

0:27:53.200 --> 0:27:55.040
<v Speaker 2>One of my best friends was over at the time

0:27:55.240 --> 0:27:57.280
<v Speaker 2>and she loved so many of the items I was

0:27:57.280 --> 0:27:59.600
<v Speaker 2>getting rid of. I was planning on dropping them all

0:27:59.600 --> 0:28:01.879
<v Speaker 2>off at my local Salvos as I am moving in

0:28:01.920 --> 0:28:04.080
<v Speaker 2>a couple of weeks and don't have time to bother

0:28:04.119 --> 0:28:06.840
<v Speaker 2>selling any of it. So when she said she loved

0:28:06.880 --> 0:28:09.040
<v Speaker 2>the items, I told her to just have them, as

0:28:09.040 --> 0:28:11.479
<v Speaker 2>I was going to give them away anyways. They were

0:28:11.520 --> 0:28:14.680
<v Speaker 2>pretty good quality things. Address and a skirt from Age,

0:28:15.000 --> 0:28:18.080
<v Speaker 2>a bunch of country road items, shoes from Tony Bianco.

0:28:18.320 --> 0:28:21.119
<v Speaker 2>You get the point. It was pretty nice stuff. Turns

0:28:21.160 --> 0:28:23.640
<v Speaker 2>out she didn't actually quote love it all that much,

0:28:23.760 --> 0:28:26.119
<v Speaker 2>as she went and sold all of it on Facebook

0:28:26.160 --> 0:28:28.040
<v Speaker 2>and made herself some cash.

0:28:28.440 --> 0:28:29.200
<v Speaker 3>I'm so mad.

0:28:29.400 --> 0:28:31.800
<v Speaker 2>I kindly gave her these items that could have gone

0:28:31.840 --> 0:28:34.360
<v Speaker 2>to a much better cause at the Salvos and she's

0:28:34.480 --> 0:28:37.280
<v Speaker 2>just made money off my old stuff. I feel like

0:28:37.320 --> 0:28:40.000
<v Speaker 2>I should be getting fifty percent of her profit. Question

0:28:40.080 --> 0:28:43.280
<v Speaker 2>mark exclamation mark, question mark do you think she's in

0:28:43.320 --> 0:28:45.479
<v Speaker 2>the wrong, and how do I actually bring this up

0:28:45.520 --> 0:28:45.880
<v Speaker 2>with her?

0:28:48.280 --> 0:28:49.400
<v Speaker 4>This is a bit gussy.

0:28:50.440 --> 0:28:51.520
<v Speaker 3>Look at your little pie.

0:28:51.640 --> 0:28:53.160
<v Speaker 2>You're spicy, spicy.

0:28:53.440 --> 0:28:54.080
<v Speaker 4>I love this.

0:28:54.600 --> 0:28:57.560
<v Speaker 5>I would say, I don't think she has any Maybe

0:28:57.600 --> 0:28:59.440
<v Speaker 5>she can't get any of the money. I would say,

0:28:59.440 --> 0:29:02.840
<v Speaker 5>I would just be like that does feel a bit sneaky, though,

0:29:02.880 --> 0:29:04.880
<v Speaker 5>doesn't it to Like it feels a bit manipulative to

0:29:04.920 --> 0:29:06.640
<v Speaker 5>be like, oh my god, those clothes are so nice.

0:29:06.800 --> 0:29:10.240
<v Speaker 5>But if you kind of came in and said up front,

0:29:10.360 --> 0:29:12.440
<v Speaker 5>or if your friend had set up front, like, hey,

0:29:12.480 --> 0:29:14.680
<v Speaker 5>I'll take these off your hands, I'll sell them because

0:29:14.680 --> 0:29:16.760
<v Speaker 5>they actually are really really good, Like if you can't be.

0:29:16.800 --> 0:29:19.240
<v Speaker 2>By, can I, But then you would have at least

0:29:19.320 --> 0:29:21.560
<v Speaker 2>had the ability to go no, no, no, Like you know,

0:29:21.640 --> 0:29:23.640
<v Speaker 2>I can't be bothered selling them. Actually kind of want

0:29:23.680 --> 0:29:25.200
<v Speaker 2>them to go to the Salvos. That's going to a

0:29:25.200 --> 0:29:27.840
<v Speaker 2>good cause. Like that's a different I don't know, I

0:29:27.840 --> 0:29:31.120
<v Speaker 2>feel like that's a different story that you had choice in. Yeah,

0:29:31.120 --> 0:29:33.400
<v Speaker 2>but ultimately you gave them to her because she loved them,

0:29:33.480 --> 0:29:35.080
<v Speaker 2>so she can kind of now do what she wants

0:29:35.080 --> 0:29:36.000
<v Speaker 2>with them, I suppose.

0:29:36.440 --> 0:29:36.600
<v Speaker 5>Yeah.

0:29:36.640 --> 0:29:38.440
<v Speaker 6>I see That's where I'm torn because like part of

0:29:38.520 --> 0:29:41.000
<v Speaker 6>me feels like this is how I feel about regifting,

0:29:41.080 --> 0:29:42.920
<v Speaker 6>in the sense that once you give something to someone,

0:29:42.960 --> 0:29:45.080
<v Speaker 6>they can do whatever they want with it. Yes, ye jui.

0:29:45.200 --> 0:29:47.120
<v Speaker 6>And so I'm kind of torn because pardon me, says

0:29:47.120 --> 0:29:49.400
<v Speaker 6>you know what, like, particularly because you were going to

0:29:49.480 --> 0:29:51.480
<v Speaker 6>give it away anyway. I think if you were selling

0:29:51.520 --> 0:29:53.200
<v Speaker 6>it and your friend said, oh, I really like that,

0:29:53.200 --> 0:29:54.640
<v Speaker 6>I'd love to buy it off you, and you said,

0:29:54.640 --> 0:29:57.480
<v Speaker 6>oh nah, they just have it, like you're mean happy

0:29:57.480 --> 0:29:59.280
<v Speaker 6>for you to take it, I think I would feel

0:29:59.280 --> 0:30:04.000
<v Speaker 6>differently about that. But because you were giving it away anyway,

0:30:04.280 --> 0:30:08.040
<v Speaker 6>your outcome really hasn't been that different. But I also

0:30:08.080 --> 0:30:12.120
<v Speaker 6>can completely understand how you feel, like, you know, maybe

0:30:12.120 --> 0:30:13.720
<v Speaker 6>you wish she had just set it up front, like

0:30:13.720 --> 0:30:16.440
<v Speaker 6>if that was the plan, tell me that that's the plan. Yeah,

0:30:16.480 --> 0:30:19.200
<v Speaker 6>I'm so torn because, yeah, I think that when someone

0:30:19.200 --> 0:30:20.720
<v Speaker 6>has something, that's out of your hands as to what

0:30:20.760 --> 0:30:23.840
<v Speaker 6>they do with it. But at the same time, it

0:30:23.960 --> 0:30:25.680
<v Speaker 6>is a little sneaky. And if it had been one

0:30:25.760 --> 0:30:27.600
<v Speaker 6>thing I guess too, like maybe she'd try it on

0:30:27.640 --> 0:30:30.320
<v Speaker 6>a dress and it didn't fit her and she was like, oh, well,

0:30:30.320 --> 0:30:33.320
<v Speaker 6>maybe I'll sell it on. I mean, she could have

0:30:33.320 --> 0:30:36.400
<v Speaker 6>given it away, but I don't know. I'm really into

0:30:36.440 --> 0:30:37.320
<v Speaker 6>minds on this one.

0:30:37.520 --> 0:30:40.960
<v Speaker 2>I don't know, Jesse. If I gifted your address and said, hey,

0:30:41.400 --> 0:30:44.560
<v Speaker 2>don't need this anymore or whatever it is, and then

0:30:44.600 --> 0:30:46.080
<v Speaker 2>you took it home and tried it on and it

0:30:46.120 --> 0:30:48.840
<v Speaker 2>didn't fit, I feel like you would call yeah, like,

0:30:48.920 --> 0:30:50.600
<v Speaker 2>oh it didn't fit. Do you want me to return it?

0:30:50.760 --> 0:30:50.960
<v Speaker 6>Yeah?

0:30:52.840 --> 0:30:55.400
<v Speaker 2>Whatever? Yeah, I just I feel like it's the lack

0:30:55.440 --> 0:31:01.320
<v Speaker 2>of communication that feels relatively inauthentic, like you too, but.

0:31:01.320 --> 0:31:03.640
<v Speaker 6>I really love it. And then that I guess, yeah,

0:31:03.640 --> 0:31:04.160
<v Speaker 6>that is a bit.

0:31:04.440 --> 0:31:06.640
<v Speaker 2>That's the extra thing you didn't just I don't know

0:31:06.640 --> 0:31:09.320
<v Speaker 2>because I've done this before where I've been like, oh, Jess,

0:31:09.400 --> 0:31:11.200
<v Speaker 2>you take it. I'm never gonna wear this, like I

0:31:11.200 --> 0:31:13.200
<v Speaker 2>don't even care, Like I just want to get rid

0:31:13.200 --> 0:31:15.360
<v Speaker 2>of it, can't be bothered. Yeah, if I then saw

0:31:15.400 --> 0:31:18.600
<v Speaker 2>that online, I wouldn't care so much. But because you know,

0:31:18.720 --> 0:31:21.040
<v Speaker 2>if you'd been lubing me up for say.

0:31:21.760 --> 0:31:22.000
<v Speaker 6>No, but.

0:31:24.880 --> 0:31:27.320
<v Speaker 2>Would I love it? But if you had Bee and

0:31:27.360 --> 0:31:30.800
<v Speaker 2>you said, oh I really love that Bee, and I go, oh, well, Jess,

0:31:30.840 --> 0:31:33.640
<v Speaker 2>you can have it, I'm sorry, what do you mean

0:31:33.680 --> 0:31:36.959
<v Speaker 2>you love it so that it can line your pockets.

0:31:36.280 --> 0:31:38.480
<v Speaker 6>Well, especially the expensive stuff. I guess because you use

0:31:38.520 --> 0:31:40.240
<v Speaker 6>that example, like you have given me a few of

0:31:40.280 --> 0:31:41.880
<v Speaker 6>your like nicer dresses.

0:31:41.960 --> 0:31:43.760
<v Speaker 3>And I congess is like, and then I went and

0:31:43.800 --> 0:31:44.400
<v Speaker 3>sold them.

0:31:45.400 --> 0:31:47.680
<v Speaker 6>And I love them and I wear them and like

0:31:47.720 --> 0:31:50.640
<v Speaker 6>they're Yeah, I guess, like the price point maybe could be.

0:31:50.680 --> 0:31:52.400
<v Speaker 6>It's not as if it was a twenty dollars cotton

0:31:52.400 --> 0:31:52.800
<v Speaker 6>on dressed.

0:31:52.800 --> 0:31:54.360
<v Speaker 2>To you know, if I give you something, you sell it.

0:31:54.400 --> 0:31:57.000
<v Speaker 2>I don't care, just personally like you go you do you?

0:31:57.120 --> 0:31:58.040
<v Speaker 3>Yeah, good father?

0:31:58.080 --> 0:32:02.560
<v Speaker 6>That way, I'll take all my listings off deep No,

0:32:02.680 --> 0:32:04.200
<v Speaker 6>but yeah, like I can see that. And I guess

0:32:04.240 --> 0:32:06.880
<v Speaker 6>it depends on time to like if someone given it

0:32:06.880 --> 0:32:08.360
<v Speaker 6>to her and she'd warn it and it had been

0:32:08.360 --> 0:32:09.800
<v Speaker 6>a while, maybe, I don't know.

0:32:10.200 --> 0:32:10.760
<v Speaker 3>It's a lot of.

0:32:10.720 --> 0:32:11.280
<v Speaker 6>Pray for me.

0:32:11.400 --> 0:32:13.960
<v Speaker 2>But to steal it down, yes, to steal it down

0:32:14.040 --> 0:32:15.920
<v Speaker 2>and make a few assumptions so that we can have

0:32:16.040 --> 0:32:20.920
<v Speaker 2>a more clear opinion. This happened within a week, I reckon.

0:32:21.160 --> 0:32:23.800
<v Speaker 2>So let's pretend you were cleaning out your clothes and

0:32:23.840 --> 0:32:25.800
<v Speaker 2>the week after you saw them online, you saw them

0:32:25.800 --> 0:32:26.760
<v Speaker 2>on Facebook and deep hoop.

0:32:27.440 --> 0:32:29.480
<v Speaker 6>I probably would be a bit missed. I'm not gonna

0:32:29.480 --> 0:32:31.040
<v Speaker 6>lie as much as you wait for me to leave

0:32:31.080 --> 0:32:35.320
<v Speaker 6>the country, like as much as I yeah, Like logically,

0:32:35.320 --> 0:32:37.520
<v Speaker 6>there's all of those other things. I think I probably would.

0:32:37.520 --> 0:32:39.600
<v Speaker 2>If it was months, I'd be like, well, they were

0:32:39.640 --> 0:32:42.480
<v Speaker 2>their items that they wore, but let's pretend it was

0:32:42.480 --> 0:32:44.640
<v Speaker 2>a week. I feel like that's a bit calculated and

0:32:44.680 --> 0:32:46.720
<v Speaker 2>your friend didn't do it. But the question was how

0:32:46.720 --> 0:32:48.120
<v Speaker 2>do I bring it up? Do I bring it up?

0:32:48.560 --> 0:32:51.920
<v Speaker 4>I don't think you can. This is the thing I

0:32:52.080 --> 0:32:52.760
<v Speaker 4>would bring it up.

0:32:52.760 --> 0:32:54.560
<v Speaker 5>I would bring it up because it feels like, especially

0:32:54.560 --> 0:32:56.280
<v Speaker 5>if you intent on being a friend with this person

0:32:56.280 --> 0:33:01.280
<v Speaker 5>for life, because it's technically on payge, but nothing they're

0:33:01.280 --> 0:33:05.600
<v Speaker 5>doing is illegal. They're allowed to do all of these things.

0:33:06.040 --> 0:33:10.080
<v Speaker 5>But it's so for me the pit of my belly,

0:33:10.480 --> 0:33:13.880
<v Speaker 5>it's saying that it's manipulative, it's yucky. It feels like

0:33:13.920 --> 0:33:16.680
<v Speaker 5>they lied about something. It feels like they literally performed

0:33:16.720 --> 0:33:18.840
<v Speaker 5>in front of you, so you would give them your

0:33:18.880 --> 0:33:22.400
<v Speaker 5>clothes and just because they had the intention, let's say this,

0:33:22.440 --> 0:33:23.080
<v Speaker 5>how would you do it?

0:33:23.720 --> 0:33:24.440
<v Speaker 3>How would you do it?

0:33:24.520 --> 0:33:26.000
<v Speaker 5>I think I would just I would mess them or

0:33:26.040 --> 0:33:27.680
<v Speaker 5>if I'm going to see them in person, be better,

0:33:27.880 --> 0:33:30.560
<v Speaker 5>just like kind of like do it gently, but hey,

0:33:30.640 --> 0:33:32.520
<v Speaker 5>I noticed that you're selling literally all the clothes that

0:33:32.560 --> 0:33:35.120
<v Speaker 5>you said you wanted to wear, which is totally fine.

0:33:35.240 --> 0:33:37.240
<v Speaker 5>I just want to know, if my own peace of mind,

0:33:37.560 --> 0:33:39.600
<v Speaker 5>was this your intention all along or did you have

0:33:39.640 --> 0:33:41.600
<v Speaker 5>a change of heart last minute, Because if it's change

0:33:41.600 --> 0:33:45.400
<v Speaker 5>of heart last minute, I'm comfortable with this dynamic.

0:33:45.760 --> 0:33:47.200
<v Speaker 4>But if it was on your.

0:33:47.120 --> 0:33:50.120
<v Speaker 5>Mind the whole time, I feel very uncomfortable knowing that

0:33:50.120 --> 0:33:52.760
<v Speaker 5>we were sat in that room together, you were kind

0:33:52.760 --> 0:33:55.520
<v Speaker 5>of like doing this whole song and dance theatrical thing.

0:33:55.840 --> 0:33:59.040
<v Speaker 5>Those clothes are so lovely lying to me. That's a

0:33:59.280 --> 0:34:01.520
<v Speaker 5>very uncommonfortable feeling, and I.

0:34:01.400 --> 0:34:03.640
<v Speaker 2>Can't No one wants to feel like they're being allaed to,

0:34:03.960 --> 0:34:06.640
<v Speaker 2>like not one person totally. I'd just be petty and

0:34:06.680 --> 0:34:08.359
<v Speaker 2>screenshot and send it to them and be like, would

0:34:08.400 --> 0:34:14.000
<v Speaker 2>you take fifty bucks? But yeah, true, like I love

0:34:14.040 --> 0:34:16.919
<v Speaker 2>this too, Like it's a bit expensive, though, don't you reckon?

0:34:17.719 --> 0:34:21.839
<v Speaker 6>I can I get any shit you down? They got

0:34:21.840 --> 0:34:25.040
<v Speaker 6>fifty seventy, we do fifty?

0:34:25.080 --> 0:34:26.120
<v Speaker 2>Will you do free?

0:34:27.160 --> 0:34:27.399
<v Speaker 6>Yeah?

0:34:27.480 --> 0:34:28.280
<v Speaker 4>Ideally free?

0:34:28.360 --> 0:34:30.880
<v Speaker 5>But also, like you know, there's a function like when

0:34:30.880 --> 0:34:32.960
<v Speaker 5>you're actually uploading things on the marketplace, you can say

0:34:33.160 --> 0:34:35.080
<v Speaker 5>you can for your friends.

0:34:34.719 --> 0:34:38.400
<v Speaker 6>Yes, Like that also makes you think maybe it wasn't

0:34:38.640 --> 0:34:39.960
<v Speaker 6>maybe they think about it.

0:34:40.120 --> 0:34:42.520
<v Speaker 5>I think it was malicious, And so there's a whole

0:34:42.600 --> 0:34:43.680
<v Speaker 5>nother kettle of fish.

0:34:43.960 --> 0:34:47.520
<v Speaker 2>Maybe your friend is just a bit daft, Like there

0:34:47.520 --> 0:34:49.840
<v Speaker 2>could be a few things. So we asked the community.

0:34:49.880 --> 0:34:52.000
<v Speaker 2>We said, do you think your friend is in the wrong.

0:34:52.560 --> 0:34:54.439
<v Speaker 2>It's not going to come as a surprise eighty six

0:34:54.480 --> 0:34:57.200
<v Speaker 2>percent if you said yes, one hundred percent. What she

0:34:57.320 --> 0:35:01.640
<v Speaker 2>did feels very calculated. We then asked, do you think

0:35:01.680 --> 0:35:04.120
<v Speaker 2>the friends should split the money she made? So that

0:35:04.239 --> 0:35:07.759
<v Speaker 2>was another layer to the conversation that I don't think so.

0:35:08.239 --> 0:35:08.279
<v Speaker 1>No.

0:35:08.880 --> 0:35:11.040
<v Speaker 2>So like you didn't do any of the work. You

0:35:11.080 --> 0:35:13.839
<v Speaker 2>gave it away essentially for free, which you were going

0:35:13.880 --> 0:35:15.800
<v Speaker 2>to you anyway, which we were going to do anyway.

0:35:16.080 --> 0:35:18.480
<v Speaker 2>You said you couldn't be bothered selling it, which tells

0:35:18.520 --> 0:35:21.520
<v Speaker 2>me that you never saw any financial gain in this,

0:35:21.680 --> 0:35:24.440
<v Speaker 2>but now you've seen somebody else have financial gain. It's

0:35:24.480 --> 0:35:26.120
<v Speaker 2>kind of like the question of like, if I gave

0:35:26.160 --> 0:35:27.560
<v Speaker 2>you a lot of ticket Jess, and you want one

0:35:27.600 --> 0:35:31.120
<v Speaker 2>hundred million dollars, do I get anything? Yeah, Like I

0:35:31.160 --> 0:35:34.400
<v Speaker 2>gave the gift out of my own free will, but

0:35:34.560 --> 0:35:37.759
<v Speaker 2>now you've benefited more significantly than I have.

0:35:38.000 --> 0:35:40.080
<v Speaker 6>Like I've heard he having families having fights when they

0:35:40.080 --> 0:35:41.880
<v Speaker 6>get like a scratchy and they're stocking on Christmas and

0:35:41.880 --> 0:35:43.799
<v Speaker 6>someone wins like five hundred bucks and they go, oh,

0:35:43.880 --> 0:35:46.960
<v Speaker 6>well I bought that, And so you're totally right, like

0:35:46.960 --> 0:35:47.719
<v Speaker 6>it's the gift thing.

0:35:48.000 --> 0:35:50.160
<v Speaker 2>Yeah, like it's the gift thing. You should be giving

0:35:50.200 --> 0:35:54.480
<v Speaker 2>a gift with absolutely no expectation of reciprocation, I think.

0:35:54.680 --> 0:35:56.640
<v Speaker 2>But we did say, do you think the friends should

0:35:56.640 --> 0:35:58.920
<v Speaker 2>split the money she made? Forty five percent of you

0:35:58.960 --> 0:36:01.520
<v Speaker 2>said yeah, it's the right thing to do, seven percent

0:36:01.600 --> 0:36:03.520
<v Speaker 2>said nope, she did all the work to sell them,

0:36:03.719 --> 0:36:06.319
<v Speaker 2>and forty eight percent said she doesn't have to, but

0:36:06.560 --> 0:36:08.960
<v Speaker 2>she should at least offer like the friends should offer,

0:36:09.680 --> 0:36:12.360
<v Speaker 2>which is so fair. And then my favorite part was

0:36:12.840 --> 0:36:15.239
<v Speaker 2>what would you say to your friend if this was you.

0:36:15.840 --> 0:36:18.319
<v Speaker 2>We said, ah, I should have gotten you to run

0:36:18.400 --> 0:36:20.759
<v Speaker 2>a wardrobe sale for me. Didn't realize you were.

0:36:20.680 --> 0:36:21.200
<v Speaker 3>Keen on it.

0:36:21.640 --> 0:36:23.040
<v Speaker 6>Oh my gosh.

0:36:23.760 --> 0:36:26.880
<v Speaker 2>This is my favorite bart because these women in my

0:36:26.960 --> 0:36:30.120
<v Speaker 2>DMS right now, they're as petty as I am. Welcome Queen.

0:36:31.040 --> 0:36:33.319
<v Speaker 2>Someone else said, glad you found a good home for

0:36:33.360 --> 0:36:36.160
<v Speaker 2>the clothes. Would you be up for joint charity donation?

0:36:37.160 --> 0:36:38.280
<v Speaker 6>That's a good happy medium.

0:36:38.440 --> 0:36:43.399
<v Speaker 2>Someone said, been nice knowing you. Someone said it would

0:36:43.400 --> 0:36:45.879
<v Speaker 2>be over simple as that. Just wouldn't talk to them.

0:36:45.880 --> 0:36:48.880
<v Speaker 2>I would ditch them as a friend. Someone said, wouldn't

0:36:48.920 --> 0:36:54.000
<v Speaker 2>be my friend anymore. Simples. Anybody says simples, I just

0:36:54.000 --> 0:36:54.480
<v Speaker 2>think of that.

0:36:54.440 --> 0:36:58.239
<v Speaker 4>Little bit symbols Yeah, it's really good.

0:36:58.440 --> 0:37:00.680
<v Speaker 2>There's been some other colorful response is I'm not going

0:37:00.719 --> 0:37:03.399
<v Speaker 2>to read out sure, so we hear them off here. Oh,

0:37:03.440 --> 0:37:06.440
<v Speaker 2>I'll read them. I will share the screenshot, a screenshot

0:37:06.480 --> 0:37:08.440
<v Speaker 2>all of these to share with the team later. Anyway,

0:37:08.560 --> 0:37:10.719
<v Speaker 2>someone said, oh, look, you made some good money off

0:37:10.760 --> 0:37:13.400
<v Speaker 2>my wardrobe. I noticed you've got everything listed for sale,

0:37:13.440 --> 0:37:15.880
<v Speaker 2>and then give her a chance to offer or split

0:37:15.960 --> 0:37:18.799
<v Speaker 2>some of the profits, letting her know that you know,

0:37:18.920 --> 0:37:20.680
<v Speaker 2>because you might not know that you can see or

0:37:20.680 --> 0:37:21.520
<v Speaker 2>would even check.

0:37:22.000 --> 0:37:23.080
<v Speaker 3>Lots of you said.

0:37:22.880 --> 0:37:25.480
<v Speaker 2>That you would just ignore it and not be happy

0:37:25.520 --> 0:37:28.759
<v Speaker 2>with it. But it seems that the general consensus is

0:37:28.800 --> 0:37:31.920
<v Speaker 2>that most of you would not be happy about this situation.

0:37:32.600 --> 0:37:34.120
<v Speaker 2>I don't know how you should deal with it. I

0:37:34.120 --> 0:37:36.000
<v Speaker 2>think you need to sit down and think about the

0:37:36.000 --> 0:37:39.920
<v Speaker 2>personality of your friend or you know the situation that

0:37:39.960 --> 0:37:41.840
<v Speaker 2>you have, is this actually going to put a spanner

0:37:41.840 --> 0:37:43.640
<v Speaker 2>in the works, because I mean going up to your

0:37:43.640 --> 0:37:45.279
<v Speaker 2>friend and being like, oh, I didn't realize you needed

0:37:45.280 --> 0:37:47.720
<v Speaker 2>the money for this. Like they might be just trying

0:37:47.719 --> 0:37:49.759
<v Speaker 2>to do their best to get ahead. There might be

0:37:49.760 --> 0:37:51.240
<v Speaker 2>in a heap of debt and they were really stressed

0:37:51.239 --> 0:37:53.160
<v Speaker 2>and saw an opportunity. Like I don't know. I just

0:37:53.239 --> 0:37:58.160
<v Speaker 2>think everything should be approached with kindness, and ultimately, from

0:37:58.160 --> 0:38:00.320
<v Speaker 2>my perspective, you were leaving the country, we're going to

0:38:00.400 --> 0:38:04.800
<v Speaker 2>donate them anyway. You definitely did still donate them totally.

0:38:05.880 --> 0:38:09.759
<v Speaker 4>Knowing that you have the validation of all in the

0:38:09.840 --> 0:38:10.239
<v Speaker 4>right place.

0:38:10.360 --> 0:38:11.560
<v Speaker 6>Yes, everyone's back in.

0:38:12.680 --> 0:38:14.960
<v Speaker 4>So you're not You're not like in the wrong for

0:38:14.960 --> 0:38:15.759
<v Speaker 4>being wrong.

0:38:15.840 --> 0:38:17.240
<v Speaker 3>But do we need to create drama?

0:38:17.280 --> 0:38:17.560
<v Speaker 2>Sure?

0:38:17.719 --> 0:38:19.880
<v Speaker 4>Sure, think about that. You might not be you know whatever.

0:38:20.480 --> 0:38:22.200
<v Speaker 2>I think that's a good place to leave it this week, guys,

0:38:22.239 --> 0:38:24.279
<v Speaker 2>think so. We hope you have the best weekend. We

0:38:24.320 --> 0:38:28.319
<v Speaker 2>hope you enjoy Valentine's Day. And next week, Jess, you

0:38:28.360 --> 0:38:30.600
<v Speaker 2>and I we're gonna be asking beck about our dates.

0:38:32.320 --> 0:38:32.920
<v Speaker 2>Come back then.

0:38:32.960 --> 0:38:34.160
<v Speaker 3>We can't wait to see you.

0:38:34.239 --> 0:38:43.600
<v Speaker 2>Bye bye, guys, Bye. Did buy shared on She's on

0:38:43.680 --> 0:38:46.360
<v Speaker 2>the Money is general in nature and does not consider

0:38:46.400 --> 0:38:50.279
<v Speaker 2>your individual circumstances. She's on the Money exists purely for

0:38:50.440 --> 0:38:53.319
<v Speaker 2>educational purposes and should not be relied upon to make

0:38:53.360 --> 0:38:56.600
<v Speaker 2>an investment or financial decision. If you do choose to

0:38:56.640 --> 0:38:59.880
<v Speaker 2>buy a financial product, read the PDS TMD and obtain

0:38:59.880 --> 0:39:04.399
<v Speaker 2>appropriate financial advice tailored towards your needs. Victoria Divine and

0:39:04.480 --> 0:39:07.920
<v Speaker 2>She's on the Money are authorized representatives of money sherper

0:39:08.040 --> 0:39:10.359
<v Speaker 2>P T y L t D A b N three

0:39:10.400 --> 0:39:13.680
<v Speaker 2>two one six four nine two seven seven zero eight

0:39:13.960 --> 0:39:18.640
<v Speaker 2>afs L four five one two eight nine