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