Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yor
Speaker 1: the Order Kerni Whoalbury 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
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 2: Hello, and welcome to She's on the Money, the podcast
Speaker 2: that makes finance fun, especially on Fridays. It is actually
Speaker 2: our favorite day of the week because we get to
Speaker 2: get our little team together and celebrate you guys, our
Speaker 2: incredible She's on the Money community today, mister gour She's
Speaker 2: got a heap of money wins to share with us.
Speaker 2: Miss Bech Sayed is going to share her broke TIBs
Speaker 2: and we'll be helping to answer a money dilemma, which
Speaker 2: this week is all about navigating buying a property on
Speaker 2: your own and someone slid into our dms needing advice
Speaker 2: on whether you should ask for reduced hours at work
Speaker 2: to avoid burnout or just push through it. I feel
Speaker 2: like that's a fickle conversation, but we're going to get
Speaker 2: there later. Last week on the show, we read out
Speaker 2: some five star reviews and I got a few dms
Speaker 2: of people saying, we love this. It's such a positive energy.
Speaker 2: I think we're going to continue. So I did message
Speaker 2: you guys before the show and say, please read our
Speaker 2: reviews and obviously call your mums and friends and stuff
Speaker 2: to post them, because god forbid we ever run out
Speaker 2: of five star reviews to read out. But Bech sayed, yes,
Speaker 2: what do you bring into the table this weight?
Speaker 4: Okay, so this one is from Tracy, and I really
Speaker 4: liked this one because I feel like the intro to
Speaker 4: the show does mention millennials, but this really is a
Speaker 4: reminder that this is for everyone. Yes, okay, So I'm
Speaker 4: forty five and have spent so many years feeling ashamed
Speaker 4: and anxious around my money management abilities. I had none
Speaker 4: in brackets. I love listening to your advice on the podcast,
Speaker 4: and the money direisauries are super interesting. So I really
Speaker 4: like that one because from Yeah, this is from Tracy. Hi, Tracy, Hi, Tracy.
Speaker 2: Welcome to the show, and oh my god, no, everyone's welcome.
Speaker 2: Why we just updated the intro of this episode to
Speaker 2: the podcast that makes personal finance fun, especially on Fridays,
Speaker 2: instead of millennials who want financial freedom, because we're more
Speaker 2: than millennials.
Speaker 5: Everybody wants financial freedom.
Speaker 2: By everybody else. I can't find someone who doesn't want
Speaker 2: to be financially free. Maybe Lucy she is, She's an
Speaker 2: epo baby. Lucy's my dog. For those of you following
Speaker 2: the last who might feel a little bit behind, we
Speaker 2: are not calling a human being an epobaby because that
Speaker 2: would be rude and I would definitely only do that
Speaker 2: off Mike, Miss Jess, what have you got?
Speaker 5: Alrighty? This week I picked out one that says I
Speaker 5: thought I was relatively good with money until I was
Speaker 5: recommended this podcast. They simplify complex content into an easy
Speaker 5: to understand format. I can't believe the difference that this
Speaker 5: has made to our finances and our thinking. Isn't that
Speaker 5: so sweet? From a Smith?
Speaker 2: Oh a Smith, thank you. I always laugh at people's
Speaker 2: user names because, like sometimes it is their name like
Speaker 2: yours bec and then sometimes it's like their username that
Speaker 2: they've made up, like I think mine is like toz
Speaker 2: dog or something really bad, because like when I got
Speaker 2: my first iPhone, I would have been like sixteen and
Speaker 2: I set up my Apple profile, then slippery slope, I reckon.
Speaker 5: Oh yeah, maybe we can keep an eye out for
Speaker 5: the funniest user name as well.
Speaker 2: Yes, if you've got a funny user name, it is
Speaker 2: actually time to leave us a five star review. I
Speaker 2: have one. It is from Mish. I mean, if we're
Speaker 2: talking about using names, Mish, mush is hot. Think it's
Speaker 2: really cute too. It's actually one of the things that
Speaker 2: got me to read it out. But they said thank
Speaker 2: you for all your advice, wisdom, pep Talk's cheer and
Speaker 2: of course financial support every week. I love this podcast.
Speaker 2: In fact, it's the only one I religiously listened.
Speaker 4: To Oh so cute, very sweet because it's.
Speaker 2: Practical and relatable. It has helped me improve and set
Speaker 2: up many financial aspects for my young family. So thank
Speaker 2: you so much. This podcast has inspired me to look
Speaker 2: into doing finance courses. The pod is very motivating. One
Speaker 2: day I dream to meet VD and the team as
Speaker 2: they are truly truly incredible. Thank you for your support
Speaker 2: and help this year. Is that so cute? Oh my gosh,
Speaker 2: I know. And do you know what I was talking
Speaker 2: about last week? And I probably shouldn't be sharing on
Speaker 2: the show, but you get what you get. We were
Speaker 2: talking about when we can do events again. Yeah, oh yeah,
Speaker 2: And so like, I'm obviously not going to make promises,
Speaker 2: but obviously last year, I had a baby in late
Speaker 2: February and historically we've always done the International Women's Stay events,
Speaker 2: which happened to fall in and around the eighth of March,
Speaker 2: so I was, what ten days postpartum. That was probably
Speaker 2: not going to work for me. But we're talking about
Speaker 2: what we can do in the next year because one
Speaker 2: of the things when we did a little bit of
Speaker 2: a planning session with the team, one of the things
Speaker 2: that came out of that was like, we want to
Speaker 2: get in front of our community. We want to see
Speaker 2: you guys again. So hopefully mish Mush that happens for
Speaker 2: us really soon. Yeah, oh my god, not that soon.
Speaker 2: Imagine if she's on the money Christmas party, that would
Speaker 2: be really everything would be DIY like.
Speaker 4: Arts and craft, stocking, stocking, open bar Corinthians.
Speaker 2: Okay, long long leap there, let's actually get into what
Speaker 2: was happening in our community this week, Miss Jessicarricci, what
Speaker 2: money wins are you bringing to the table, all rady.
Speaker 5: First one this week I have is from Jesse, who
Speaker 5: said I recently canceled my membership at a yuki studio.
Speaker 5: They had a six year cancelation fee, which I would
Speaker 5: have normally been charged. I let them know that the
Speaker 5: reason I was canceling in the first place was because
Speaker 5: of financial reasons and asked if they was any opportunity
Speaker 5: for them to not charge the fee. That's smart, really smart,
Speaker 5: and what happened? The yoga studio said, okay, no problems.
Speaker 5: They didn't charge her the fee. Jesse said that never
Speaker 5: sees is to amaze me how much money you can
Speaker 5: save when you ask for something kindly, money exact.
Speaker 4: That's sweet.
Speaker 5: Yeah, that's good. That's a good one. It's a really
Speaker 5: good one. Next, I've got one from em Marie who
Speaker 5: said she's unfortunately been out of work for around a
Speaker 5: year now because of a chronic illness. And sorry, I
Speaker 5: know it must be really, really hard, but it's on
Speaker 5: the up and up because She said, a new medication
Speaker 5: has become available in Australia. It's on the PBS and
Speaker 5: it has improved her from being essentially bedbound to being
Speaker 5: able to get out and live her life again.
Speaker 2: Oh my gosh, that's so exciting. And the fact that
Speaker 2: it's on the PBS means it's not going to break.
Speaker 5: The bank exactly. She said, she's had it for five
Speaker 5: weeks and she made the phone call on Friday and
Speaker 5: she's finally going back to work.
Speaker 2: That is actually illy. I think that's my favorite money
Speaker 2: win incredbit a very very long time.
Speaker 5: Yeah, that's huge. Next, I've got a money in from Shanni,
Speaker 5: he said, I have the pass up. It's a system
Speaker 5: where you get vouchers that you can spend it participating
Speaker 5: pubs and local places. She booked a birthday bottomless brunch
Speaker 5: at the SB so she must be a Melbourne gowp
Speaker 5: Hello at the start of the year and she checked
Speaker 5: on the app the other day and didn't realize it
Speaker 5: was a part of the platform and she was entitled
Speaker 5: Twitter hundred dollar about us.
Speaker 2: Oh what.
Speaker 4: Really cool.
Speaker 5: That's a lot of drinks at your bottomless brunch. I
Speaker 5: bet happy happy birthday.
Speaker 2: Very exciting Jesse is a bottomless I feel like a
Speaker 2: bottomless brunch sounds elite. I want to go out to it.
Speaker 2: I'm going to have a good time. But like the
Speaker 2: bottomless part, I'd be like too Champayne zine and I'd
Speaker 2: be like, I'm done now, thank you for having me.
Speaker 5: Brunch with a singular drink is a bottomless brunch for.
Speaker 2: Me, Like one done too. She's out bets like make
Speaker 2: the most of the soda waters.
Speaker 4: Yeah, exactly.
Speaker 5: Thinks I've got a money win from Carlie. She said
Speaker 5: she started very slowly to invest on Chase eas. She
Speaker 5: used the sootm coage you got a ten doll about you,
Speaker 5: and she said she's excited to be learning as she
Speaker 5: goes and to stop procrastinating.
Speaker 2: Oh my god, how good. But also ten dollars for
Speaker 2: free we did that, I would say, no, that's literally
Speaker 2: a money in that everyone can use this week. Yeah,
Speaker 2: that's so everyone that's not already on the sharesas platform.
Speaker 2: And if you're thinking, oh, I wish I could have that,
Speaker 2: but I'm already on the Charesseas platform, well you're already investing,
Speaker 2: so you're the real winner here.
Speaker 5: Ahead of time. Absolutely, and apparently Carli found a really
Speaker 5: great sustainable ETF that she said was right by colleag
Speaker 5: great Queen. And then lastly this week I have a
Speaker 5: money win from Tara who said she helped her mum
Speaker 5: and her sister to create their own budgets so they
Speaker 5: can take control of their finances. Oh lovely. Whenever I
Speaker 5: read a message or a comment saying someone's like teaching
Speaker 5: someone that they know stuff, I feel like we're spreading
Speaker 5: the good word of financial litera.
Speaker 2: Yeah, really, yes, welcome to the Church of the exactly.
Speaker 6: What I think.
Speaker 4: Literally literally, don't we have a Bible?
Speaker 2: That's what we're a religious cold con.
Speaker 5: No order your copy. It comes out at the end
Speaker 5: of November.
Speaker 2: Religious cult.
Speaker 5: Buy our stuff and also go forth my children.
Speaker 1: For I was like, else can I.
Speaker 2: Put in here.
Speaker 1: This?
Speaker 2: Maybe we should start an m l M or something like, Yeah,
Speaker 2: might be easier, more profitable. Definitely, Like then we could
Speaker 2: say yes to all the dodgy companies that want to
Speaker 2: work with us. Yeah, true, hit me up, hit me
Speaker 2: moving on. I love that, Jess. I feel like anytime
Speaker 2: someone says I helped someone make a budget, I'm like,
Speaker 2: I love you. You're an icon, You're an icon. Beck,
Speaker 2: let's move on to you. Okay, okay, let's go. I
Speaker 2: wantn't know what break Tipsy bringing to the table because
Speaker 2: you have a very scary little palm card. She has
Speaker 2: a palm card. You have a post it note?
Speaker 4: Yes, And I always do this to myself. I always like,
Speaker 4: write in shorthand and you're writing there, yeah, well this,
Speaker 4: actually I can't. I'll never be able to read this again.
Speaker 2: Can you write in shorthand? Or when you say you
Speaker 2: wrote in shorthand, wrote because I was like, I can
Speaker 2: read shorthand.
Speaker 4: Well, when I say shorthand, I mean I just start
Speaker 4: with the first letter, and then I get lazy and then.
Speaker 2: Oh yeah, I feel bad for the team sometimes because
Speaker 2: I'll write notes actually in shorthand and they're like, what
Speaker 2: is this And I'll be like, oh, yes, I used
Speaker 2: to do secretary duties.
Speaker 5: I see that's cool.
Speaker 2: It is cool, but only I can read my own notes.
Speaker 4: Sure their secret Hey, that's like a that's like knowing
Speaker 4: another language to talk about someone without them knowing it's true.
Speaker 4: That's really cool somehow, Jess, you always like your money
Speaker 4: win will always kind of run the same.
Speaker 2: Way, the same so it's almost like we were meant
Speaker 2: to be together.
Speaker 5: Yeah.
Speaker 2: Absolutely, that's really lame bye, but it's true.
Speaker 4: So these these are all very birthday themed birthday yeah adjacent,
Speaker 4: well actually just birthday themed. So the first one comes
Speaker 4: from Heather who says, there's a restaurant group. Now I
Speaker 4: don't know the name of this restaurant group, but for example,
Speaker 4: Studio Omarro in Windsor, if you book a table for
Speaker 4: your friends and you say that it's your birthday, everyone
Speaker 4: at the table gets a free drink.
Speaker 2: Oh, how cool. That's cool. That's something to look into too,
Speaker 2: because they are in lots of states and territories there
Speaker 2: are restaurants that have like birthday deals.
Speaker 5: That's cool.
Speaker 4: Yeah, definitely, definitely I should have said yes, absolutely. So
Speaker 4: a lot of these are, like, you know, very Melbourne based,
Speaker 4: but that's.
Speaker 2: Okay because like, that's okay, sure Melbourne aren't that cutting
Speaker 2: edge leader. Yeah, like giving people a free drink because
Speaker 2: they booked a group table can't be that revolutionary, but
Speaker 2: it should be something that we're all looking into next
Speaker 2: time we have to book a group table, because how
Speaker 2: good is that free round of drinks?
Speaker 4: I know, I know, that's really so good. Free soda
Speaker 4: waters yeah, free soda waters. I mean, hopefully can get
Speaker 4: that any day. But this next one is, you know
Speaker 4: how I don't know if you guys remember, but a
Speaker 4: few weeks ago I was like, I will occasionally bring
Speaker 4: up ones that have been mentioned just because they keep
Speaker 4: coming up, so just in case other people haven't heard
Speaker 4: about these. So this next one is better be good.
Speaker 2: It better be worth the repeat.
Speaker 4: I reckon so in particular with Boost and other places.
Speaker 4: I'm sure, like you know, any kind of like franchise
Speaker 4: hospitality place will do free food or drink.
Speaker 2: But we have a whole thread in our Facebook group
Speaker 2: which you can search in the search bar. Everybody's dumped
Speaker 2: all of the hot tips and tricksy places that you
Speaker 2: didn't think we're going to be on there too, can.
Speaker 5: Eat it for free for like a whole day. It's brilliant.
Speaker 5: Can I really do that?
Speaker 1: Right?
Speaker 2: Like one of you needs to take it for the
Speaker 2: Team and Money diary. A whole day of eating for free,
Speaker 2: like it's your birthday. You're going to pancake pile for breakfast,
Speaker 2: You're getting a Boost for morning tea, You're going out
Speaker 2: to somewhere else for lunch. I want to see dinner
Speaker 2: I also want you to go as far as doing activities,
Speaker 2: I know, like time Zone, get through free coins, like
Speaker 2: there are going to be things that you could do
Speaker 2: for free, genius.
Speaker 5: Fake email, see what we can do it?
Speaker 6: Do it.
Speaker 2: Jess is going to do it.
Speaker 4: Obviously, be careful about links you click, but do pay
Speaker 4: attention to your drunk folder and around the end up
Speaker 4: in there, and always end up in there. Ten percent
Speaker 4: off random places interested in. So your birthday just brings
Speaker 4: all the really really cheap things or great deals.
Speaker 2: I love this, So know what's next?
Speaker 4: Okay, So my yeah yesterdays at h them with Michael
Speaker 4: Franchess and she was buying for a house.
Speaker 2: Did you guys?
Speaker 4: I didn't know they had a homeware section, but good,
Speaker 4: the big one in the city and they haven't.
Speaker 2: They nice, really nice.
Speaker 4: But we were like walking around.
Speaker 2: I was like my house, your girlfriend, Yes, I love.
Speaker 4: That, And you know, like sometimes you're just not I
Speaker 4: was just so tired, not in the mood. I was
Speaker 4: like carrying like all these plates and all this stuff.
Speaker 2: Yeah, I know where she brought you now exactly. I'm
Speaker 2: onto her in my head.
Speaker 4: I was like, I really hope she just changed their
Speaker 4: mind randomly anyway, and then I saw this sign and
Speaker 4: that said on your birthday, get twenty five percent off.
Speaker 4: And I said, to her birthday's coming up in like
Speaker 4: two weeks. I was like, oh my god, if you
Speaker 4: just come on your birthday, you will get all this sweep. Anyway,
Speaker 4: we walked out with nothing, and I was really happy
Speaker 4: about going.
Speaker 2: We we'll be going back on her birthday. On a birthday,
Speaker 2: but so you've just found a cheap activity to do
Speaker 2: on her birthday. Yes, you're purchasing something, but like that's
Speaker 2: a whole like activity, that's the whole morning.
Speaker 4: Actually it does last two weeks from the day of
Speaker 4: your birthday.
Speaker 2: Did I just hear that you've got someone in your
Speaker 2: realm of contacts that's got a birthday coming up that
Speaker 2: likes free things? Huh? I have a later object for you.
Speaker 5: Oh my god, you sure do.
Speaker 4: Okay, let's well, let's do.
Speaker 2: That, all right, content Queen. We'll talk about this later.
Speaker 4: Yeah, okay, we'll hit me up nineteenth, which is a
Speaker 4: day after ninthy October. I'll be letting you know ho.
Speaker 2: I love that. I love that Happy Burthday. In advanced Jess,
Speaker 2: not this Jess out of Jess. Yes, I have something
Speaker 2: to add to this. Actually, if I have been talking
Speaker 2: a lot about the cost of cards, so I hate
Speaker 2: last minute forgetting to buy someone a birthday card because,
Speaker 2: like jess Beck, if you ever binge walleies and bought
Speaker 2: a card, right seven dollars exactly right, that is insane.
Speaker 2: But recently I have implemented the birthday book in our house. Okay,
Speaker 2: so I went to Kmart and I bought these empty books,
Speaker 2: so the not the cheapy like activity books or sorry,
Speaker 2: like exercise books you'd have for your kids at school,
Speaker 2: like something a little fancy. I got like a hard
Speaker 2: cover book, and I've written on the front of them
Speaker 2: birthday book. One staves one's mind. One is our kid, Harvey's.
Speaker 2: And every year, instead of buying each other cards, we're
Speaker 2: going to fill out a page in the book and
Speaker 2: write each other letters and that's going to become the cards.
Speaker 2: So I foresee us saving a lot of money on cards. Also,
Speaker 2: my husband now has no excuse to not get me
Speaker 2: a perfectly handwritten note for my birthday slay from me.
Speaker 2: But two, isn't that such a cute memory gift? That's
Speaker 2: really I was thinking you could literally gift on one
Speaker 2: a birthday book, wrap it up, do a first letter,
Speaker 2: make it really cute, and that could be a really
Speaker 2: thoughtful birthday present.
Speaker 4: That's really cute. Probably the relationship exactly.
Speaker 2: It could probably also keep it as an idea in
Speaker 2: the back of your head for Christmas.
Speaker 4: That's actually fantastic.
Speaker 2: Imagine giving that to your partner, and I mean in
Speaker 2: the day.
Speaker 5: Front cover of the book, like make it all personal.
Speaker 2: Yeah, in my head, it works best when that person
Speaker 2: lives with you or like is a very close contact,
Speaker 2: because like if I bought it for like, you know,
Speaker 2: my mum, I'd have to be like, oh, can I
Speaker 2: come pick up your birthday book? Like that's I don't
Speaker 2: live with her anymore. But for my husband, I know
Speaker 2: where it is. I know we all keep it. So
Speaker 2: I'll just go sneak that away writing his birthday book
Speaker 2: and regift it every single year. But it's got an update.
Speaker 2: You could do like some scrap booking things in there.
Speaker 2: You could cut and paste some things. I'm just excited
Speaker 2: that Harvey is going to get like this book of
Speaker 2: letters over his lifetime that I've written for him every
Speaker 2: year on his birthday.
Speaker 5: So cute.
Speaker 2: That's really really frugal money tip. I reckon Oh yeah,
Speaker 2: awful tip.
Speaker 4: I'm thinking I'll do that for likenes. I'm on everything.
Speaker 2: Oh you can come like a whole book like it's
Speaker 2: not just like for Christmas. It could be for like
Speaker 2: any time instead of a letter.
Speaker 5: Off note, Oh of love.
Speaker 2: No, this idea so cute. That is very very wholesome.
Speaker 2: All right, let's go to a really quick break on
Speaker 2: the flip side. We're going to be talking about navigating
Speaker 2: buying property on your own. And someone asked in our
Speaker 2: DMS whether you should be asking for reduced hours at
Speaker 2: work to avoid burnout or just pushing through, so don't
Speaker 2: go anywhere.
Speaker 5: Welcome back, everybody. Let's take a listen to this week's
Speaker 5: money dilemma.
Speaker 4: Hi.
Speaker 2: There, have you got a money dilemma you just can't solve?
Speaker 2: The Sheese on the Money team is here to help.
Speaker 7: Every week, we tackle your dilemmas, both big and small,
Speaker 7: to answer your most burning money, career and life questions.
Speaker 7: To get involved, simply head to our website and leave
Speaker 7: us a short voice recording and you might just yourself
Speaker 7: on the show.
Speaker 2: Now, let's take a listen to this week's money dilemma.
Speaker 8: Hi, she's on the money. Absolutely love your pod. My
Speaker 8: boyfriend and I in our thirties and not having kids.
Speaker 8: He's buying a house for us both to live in.
Speaker 8: I will contribute nothing to the deposit and will not
Speaker 8: own any of it. Our idea was that I will
Speaker 8: save up to buy my own investment property, and I'm
Speaker 8: about two years off having the deposit. My boyfriend has
Speaker 8: been charging me cheap rent to live in his apartment
Speaker 8: to help me reach my goal. However, I'm crunching the
Speaker 8: numbers on a mortgage and I don't see how I
Speaker 8: can pull it off alone. Assuming I get rent money
Speaker 8: from tenancy in my apartment, which may not even cover
Speaker 8: the whole mortgage. I will also be paying rent to
Speaker 8: my boyfriend and paying for the strata council.
Speaker 2: Rates, water, etc.
Speaker 8: From my apartment. If we broke up and I moved out,
Speaker 8: I'd have to pay for rent for a place to
Speaker 8: live as well as my mortgage. Because I can only
Speaker 8: afford an apartment in a random state where I don't live.
Speaker 8: I feel like if I buy, I'm barely going to
Speaker 8: have any money left over to save or do anything fun.
Speaker 8: I feel like it's too hard to do it alone.
Speaker 8: If I'm not going to be living in the property.
Speaker 8: My boyfriend will not budge on the idea of buying
Speaker 8: a house alone. I like the idea of investing my
Speaker 8: money instead. I already invest in a range of ETFs
Speaker 8: and add to this on a regular basis. But is
Speaker 8: that a good use of my savings or should I
Speaker 8: wait for the future for the mortgage as I get
Speaker 8: a pay rise every year? I struggle with the societal
Speaker 8: pressure to buy, and buy asapp I don't even want to.
Speaker 8: What would you advise?
Speaker 2: Thanks, Oh, I've got a really easy answer, because she
Speaker 2: said she doesn't want to. Don't She said, I'm struggling
Speaker 2: with the societal pressure of purchasing a house and I
Speaker 2: don't even want to. And I think the simple answer
Speaker 2: there is I would be putting the brakes on that
Speaker 2: plan at this point, because it's clearly putting a lot
Speaker 2: of pressure on you and you don't even know if
Speaker 2: you want to do it properly yet. Unless you're all
Speaker 2: in on purchasing property, you should absolutely not be doing it.
Speaker 2: Like I'm going to use Just as an example, because
Speaker 2: I often use Just as an example of a home buyer, right,
Speaker 2: I know, not her inside out but I know her
Speaker 2: property goals inside out, and I know that buying a
Speaker 2: property is one of or is her biggest goal at
Speaker 2: the moment. Right. I don't think that if we said
Speaker 2: is it societal pressure, just going to go no, absolutely
Speaker 2: not right, Like that's not it. But it's so a
Speaker 2: value to you. And so the extra fees and whatever
Speaker 2: cost is being incurred, Jess has allocated for that, and
Speaker 2: that's just part of the journey. Whereas this money diarist
Speaker 2: or this person who has written in, which is very
Speaker 2: kind of you to do so, because I love hearing
Speaker 2: from our community, but you've written in and you've said,
Speaker 2: I don't really know if I want to do this,
Speaker 2: And I think that that's where I need to remind
Speaker 2: you that you don't have to. And I guess that's
Speaker 2: what she's on The money is all about. It's creating
Speaker 2: your own journey, writing your own pathway, creating your own narrative.
Speaker 2: Like your partner might be fully into property, but you
Speaker 2: might go, well, that's not my journey, that's not for me.
Speaker 2: What I want is to invest in shares, and like
Speaker 2: if we put it down on a piece of paper,
Speaker 2: the Australian share market returns more than the Australian property market.
Speaker 2: So you're not making a terrible decision when you say,
Speaker 2: is that a good use of my savings? Well, only
Speaker 2: you can tell me that. I can't say yes unequivocally
Speaker 2: because you might go, well, actually, my savings are better
Speaker 2: used here. And here I recorded a money Darry Actually
Speaker 2: before you guys came into the studio to do the
Speaker 2: Friday episode, I was talking to the diarist and you
Speaker 2: guys will hear this on the show soon. She had
Speaker 2: one hundred thousand dollars in savings. Obviously a lot of
Speaker 2: context dismissing here, but one hundred thousand dollars in savings
Speaker 2: and she had a forty thousand dollars car Loan and
Speaker 2: I talked to her about at the end, I said,
Speaker 2: I need to know, like, why haven't you just used
Speaker 2: your savings to pay down your high interest car loan.
Speaker 2: She was like, well, they're giving me a lot of
Speaker 2: financial security. They're making me feel really secure, Like my
Speaker 2: partner and I want to have a kid in twelve
Speaker 2: months or so, and you know we're planning on, you know,
Speaker 2: changing our lifestyle. I think just sitting on the cash
Speaker 2: for us is working better at the moment, and it
Speaker 2: gives us a level of financial security.
Speaker 4: That's fair.
Speaker 2: That's so fair, Like she's happy to pay for her
Speaker 2: car loan and my job at she's on the money,
Speaker 2: or my self elected job because I did this myself.
Speaker 2: Right is to give you every single tool and resource
Speaker 2: that you you deserve to make the decision that's right
Speaker 2: for you, not on paper what the right decision is.
Speaker 2: Because if we'd looked at my money diarrest story on paper,
Speaker 2: I think we could all agree forty thousand dollars carload
Speaker 2: at more than nine percent interest, Yeah, paid off, but
Speaker 2: her values were not that and that's fine, Like there's
Speaker 2: literally no judgment. But also I can't tell you whether
Speaker 2: it's a good use of your savings because only you
Speaker 2: can tell me that. And the only way you're going
Speaker 2: to be able to tell me that is if you
Speaker 2: understand your values and if you sit down and go, well,
Speaker 2: I did say don't want property? Why use that? Why
Speaker 2: do I feel this pressure to have property? You've listed
Speaker 2: off all of these negative examples you didn't give me
Speaker 2: in that message. One positive. You didn't say, I'd really
Speaker 2: love property, give me a sense of freedom. You didn't
Speaker 2: say any of that you just said, my partner's buying,
Speaker 2: I'm going to buy or have a deposit in two years,
Speaker 2: and hear all the negatives. I'll have to pay this, this, this,
Speaker 2: and this, and here's the bad outcome if we break up.
Speaker 2: Like anyway, I'm sorry to have in there. I just
Speaker 2: felt like, I completely that was so driven by the
Speaker 2: pressure that you feel to own property, not the reality,
Speaker 2: which is you probably don't want that. And a share
Speaker 2: portfolio sounds like it's going to work for you because
Speaker 2: that's what you said you were interested in.
Speaker 8: Totally.
Speaker 4: I was just going to say, like, obviously, I'm not
Speaker 4: in this position, so I'm not the best to give advice.
Speaker 4: But I just think if you're doing anything because of
Speaker 4: some arbitrary societal rule, you will forever just be so
Speaker 4: deeply unhappy. If I was following every societal rule and
Speaker 4: you guys were as well, Like I would be in
Speaker 4: a dress right now, and I would be, you know,
Speaker 4: just like all dress.
Speaker 2: I'd be so confused.
Speaker 4: Things would be wrong, things would be very wrong. It
Speaker 4: just like, yeah, all these things would just like that
Speaker 4: that make you inherently happy because of your own personal preference.
Speaker 4: You don't need any societal pressure.
Speaker 2: To do, he would you be making happy people that don't.
Speaker 4: Know you exist, you know exactly. The people in your
Speaker 4: world that love you don't care about that stuff. So
Speaker 4: I think, like, if you don't feel the urge to
Speaker 4: buy a property inside yourself, like you don't feel that craving,
Speaker 4: then I would just not do it and say that
Speaker 4: because a lot of people I feel like a lot
Speaker 4: of people and hopefully it's not as popular or like, sorry,
Speaker 4: not as common anymore. But women who want to leave
Speaker 4: their husbands maybe can't because financially they don't have the
Speaker 4: ability to. But if you have that there, and you know,
Speaker 4: touch Wood, something happens in the future and you break
Speaker 4: up and you have all that money and you're like,
Speaker 4: I need to live by myself. Now you are able
Speaker 4: to buy yourself a little, one bitter apartment in a place.
Speaker 4: And I think that this person also said that they
Speaker 4: wouldn't be able to afford to live in the place
Speaker 4: they want to live.
Speaker 5: Yeah, it sounds like they would rent best.
Speaker 4: Yeah, So I'm like, if you have all that money,
Speaker 4: you might be able to stay in the place that
Speaker 4: you want to stay, and you'd be able to be
Speaker 4: fully financially independent because you do have this money, I
Speaker 4: so keep saving it, don't buy. And I feel like
Speaker 4: investment property means it's investing in You know, you're like,
Speaker 4: you're better in your financial future, but I just but
Speaker 4: it should be better in your life in well, yeah,
Speaker 4: I just I think so that you don't have to
Speaker 4: do that. You shouldn't have to do that to make it.
Speaker 2: Taylor Swift like, you can reinvent yourself. Like if you
Speaker 2: are in a situation where you're like, I just don't
Speaker 2: want to buy right now, doesn't mean you can't change
Speaker 2: your mind. She was country queen right and then she
Speaker 2: went to being pop icon. She changed, She decided she
Speaker 2: wanted to do something different and just did it. So
Speaker 2: you just do that later if you choose to change
Speaker 2: your mind, if you go, well, I don't want to
Speaker 2: buy property, don't even a few years. As you said,
Speaker 2: you're going to get a pay rise every year. If
Speaker 2: in a few years that's really financially viable, and you're like,
Speaker 2: oh I'm into this.
Speaker 4: Now do it then totally.
Speaker 2: But you know what you've done, You've given yourself the
Speaker 2: financial freedom to make that decision at that point by
Speaker 2: investing along the way.
Speaker 5: Exactly just what would you do. I, yeah, I can,
Speaker 5: like I would buy the property. Nobody completely agree with
Speaker 5: what you're both saying is that you need to make
Speaker 5: a choice. It's right for you, and anyone who loves
Speaker 5: you is not going to pressure you into making a decision.
Speaker 5: My best guess would be maybe that your partner thinks
Speaker 5: that they're helping you get ahead, Like maybe they've got
Speaker 5: kind of a plan in their mind, and they're not
Speaker 5: seeing that it's not you know, the giving you cheap
Speaker 5: rent and stuff like in their minds, they might be
Speaker 5: thinking that they're furthering you so that you can have
Speaker 5: your own property and I'm going to have give you
Speaker 5: a say, well yeah, like and maybe in their mind
Speaker 5: that gives you a bigger sense to each own your
Speaker 5: own property so that if something does happen, you both
Speaker 5: have something. Maybe that's where they're coming from. But if
Speaker 5: they love you, of course they're not going to want
Speaker 5: you to do something you don't want to. So I
Speaker 5: think like having that conversation with them, and then on
Speaker 5: a broader scale, maybe you know, saying to them, hey, like,
Speaker 5: I understand that maybe you were trying to help me
Speaker 5: get ahead by giving me a cheaper rent or by
Speaker 5: covering these bills or whatever, so that I could achieve
Speaker 5: that part of you know, kind of plan that you
Speaker 5: maybe thought that we would have or that would be
Speaker 5: great for us. If that's not what I want to do,
Speaker 5: Like I'm so happy to be an equal partner, Like
Speaker 5: I'll pay market value rent, like I will split things.
Speaker 5: We can put you know, a BFA or some kind
Speaker 5: of agreement in place to protect your property that you have,
Speaker 5: because maybe that's a point of concern for them. So
Speaker 5: I think maybe you know, being grateful that they want
Speaker 5: to help you get ahead, because I'm hoping that that's
Speaker 5: where that's coming from, but also explaining to them that's
Speaker 5: not what you want and that's okay. Like, if you
Speaker 5: don't want to buy a property, do not buy a property.
Speaker 5: It's a lot of work, like having and maybe I'll
Speaker 5: change my mind later. It's not completely off the table,
Speaker 5: No thing is. But maybe I'm just not here on
Speaker 5: the same journey as you, and that's actually so fine. Yeah,
Speaker 5: investing in shares is also a great investment option if
Speaker 5: that's more aligned to you. It's your money, and ultimately
Speaker 5: you have to do what feels right for what you
Speaker 5: want and what feels good and I think just communicating
Speaker 5: that to your partner and you're being prepared to find
Speaker 5: a middle ground in terms of the living situation might
Speaker 5: be the best way to go.
Speaker 4: Completely agree with you, amazing should get to this.
Speaker 5: Wee's money.
Speaker 2: Oh my gosh, Yes, I have been waiting for this one.
Speaker 2: Are you ready?
Speaker 5: Absolutely?
Speaker 2: Okay, Hi, she's on the money team. I have a
Speaker 2: DM for you. I'm currently in my first year of
Speaker 2: full time work and it's been so hard transitioning into it,
Speaker 2: and I am exhausted. I'm currently undergoing ADHD and autism diagnosis.
Speaker 2: I've gotten to a point where I'm on the brink
Speaker 2: of burnout and I want to ask for my contracted
Speaker 2: hours to reduce two hours per week to have a
Speaker 2: nine day fortnight. I already work longer hours during the
Speaker 2: week to have a shorter day on Fridays, so I'm
Speaker 2: not bothered by longer hours to have an IDO. Financially,
Speaker 2: I can cop one hundred and fifty less ish a fortnight.
Speaker 2: I also know of older people in the business with
Speaker 2: part time or four day contracts, but I'm really worried
Speaker 2: about the prejudice and judgment that might come with this decision,
Speaker 2: as I have no dependence and have mentioned struggles, but
Speaker 2: most people say just push through it. I feel like
Speaker 2: my reasoning may limit me in progressing in my career.
Speaker 2: I'm in engineering. Do you have any advice on this?
Speaker 4: My god, this has been such a thing for me
Speaker 4: this week in particular, but always it is my biggest thing.
Speaker 4: Four day work week because I think sure back in
Speaker 4: the day, in the year, older times when one person
Speaker 4: would work, usually a man and the woman, and would
Speaker 4: stay home usually with the children, do all the house stuff,
Speaker 4: so both parties working full time, but kind of like
Speaker 4: tackling different things.
Speaker 2: Now, yeah, you can just say it how it was.
Speaker 4: Yeah, well now it's like one person you've got to do,
Speaker 4: say Friday, Sabbath day of rest. Well, you cannot anymore
Speaker 4: because you have Friday. Maybe you go out, maybe you don't,
Speaker 4: but that day is taken up by work, let's be honest.
Speaker 4: And then Saturday is one day where you don't have
Speaker 4: work the day or the day after, so you can
Speaker 4: maybe have some fun with your friends. Sunday, maybe you're resting,
Speaker 4: but you'll still got.
Speaker 2: To go to the laundry, the church, the kids church.
Speaker 4: That day you do, but you've got all the life,
Speaker 4: addamin all the chores, everything that you weren't able to
Speaker 4: get done. Also, a lot of businesses are closed on
Speaker 4: that day, so you you just where do you find time? Anyway,
Speaker 4: a four day work week, a three day weekend is
Speaker 4: probably essential at this stage, I would say. But also
Speaker 4: I don't want to be that person. You know, everyone
Speaker 4: does have a different level of on your workload, depends
Speaker 4: on your work depends on so many things.
Speaker 2: Yeah, and like on the flip side, someone else might go,
Speaker 2: I don't want to have to do ten hour days.
Speaker 2: I'd much prefer to spread that across five days. I mean,
Speaker 2: each to their own. But I do believe in flexibility
Speaker 2: where it makes sense. Jess, what would you do?
Speaker 5: I think that I totally understand where they're coming from, because, firstly, congratulations,
Speaker 5: I'm working towards your formal identification of being somewhere on
Speaker 5: the spectrum that's very exciting, even though it can feel
Speaker 5: very intimidating as well. But I think that firstly, it's
Speaker 5: really important to note that within like fair work legislation,
Speaker 5: there is literally like legalities that prevent you from being
Speaker 5: discriminated against because of different abilities, different things like that.
Speaker 5: And so if there is a concession that is needed
Speaker 5: for you as a part of your formal diagnosis, and
Speaker 5: you can have a doctor, a psychologist whoever you're seeing psychiatrists, sorry,
Speaker 5: provide some evidence of that. It actually can't be denied.
Speaker 5: You know, there's a lot of nuance there. Like I'm
Speaker 5: being very general with that, but you know, if you
Speaker 5: need something to be able to facilitate your job, and
Speaker 5: it is able to be facilitated, which it sounds like
Speaker 5: it can be because you said there's the people on
Speaker 5: the four day contracts and part time contracts and stuff,
Speaker 5: it should be an option for you, just in terms
Speaker 5: of being allowed. I know that our listener's bigger issue
Speaker 5: was the bias that they might encounter in the workplace,
Speaker 5: and that is a much trickier beast. I would say
Speaker 5: that I think society has come a long way in
Speaker 5: being respectful and understanding of the fact that really we
Speaker 5: all exist somewhere on a spectrum and everyone has different
Speaker 5: needs and different preferences and different things. None of us fit.
Speaker 5: The MA team is so neurospiasedally, and I think like
Speaker 5: the fact that the standard traditional nine to five, five
Speaker 5: day workweek was invented, however many years ago when people
Speaker 5: were literally working in almost like favery men men specifically,
Speaker 5: like even just things.
Speaker 2: Like pyomen shouldn't have jobs. No, a job is seen
Speaker 2: the home.
Speaker 5: Yes, you know, I think that I completely agree it
Speaker 5: is a very like outdated way, and I think that
Speaker 5: a lot of workplaces really are working towards being more
Speaker 5: flexible and more compromising, and so are people individually. Like
Speaker 5: if you ask anyone in this room, for example, if
Speaker 5: that was a problem, not one of us would any
Speaker 5: But I do understand when you're in a corporate space,
Speaker 5: and particularly if you're in the engineering space, which is
Speaker 5: a male dominated industry, you might already be facing some
Speaker 5: challenges there around biases and things like that. I totally
Speaker 5: get the concern, but I think ultimately burnout is so
Speaker 5: damaging to you, like mentally, physically, emotionally. I would say
Speaker 5: that to not have to suffer through that, it is
Speaker 5: almost worth the risk of coming up against a few.
Speaker 2: People because like, if you just suffer through it, you
Speaker 2: might end up losing your job completely, like you might
Speaker 2: not be able to work. And I don't mean to
Speaker 2: be too dramatic, but you might end up in a
Speaker 2: really bad situation that has a bad outcome, and that's
Speaker 2: not what you want, so why not ask and kind
Speaker 2: of buite it in the bar. The other thing I
Speaker 2: wanted to talk about here was sick leave. So like,
Speaker 2: your mental health is your health, and your health is
Speaker 2: supported by your sick leave. So if you need to
Speaker 2: take some sick leave and go, you know what, I
Speaker 2: need a few days or I need a day here
Speaker 2: and there for my mental health, that is so valid.
Speaker 2: Like I feel like businesses nowadays are trying to carve out, oh,
Speaker 2: we have mental health leave, and honestly, I think that's bullshit,
Speaker 2: because you have sick leave that you should be able
Speaker 2: to use for your mental health. Like from a business
Speaker 2: owner's perspective, if someone in my team says I'm not
Speaker 2: well today, I'm not coming into work. That is not
Speaker 2: my business. Legally, it's not my business. I do not
Speaker 2: ask for six certificates. I'm not saying that that's across
Speaker 2: the board, but for one day here or there. Even
Speaker 2: if you need a six certificate, you could go to
Speaker 2: your GP and say it's mental health leave, and your
Speaker 2: doctor is going to write exactly the same sick certificate
Speaker 2: for your mental health as they are for you having
Speaker 2: the flu saying sorry, Jessica's unable to come to work
Speaker 2: and she can resume her normal duties as off Monday. Yeah, Like,
Speaker 2: it's not I promise you. Your mental health is so
Speaker 2: important you don't even have to go to your boss
Speaker 2: and have this conversation. Yet, as somebody who is neurospicy
Speaker 2: being in the throes of it, there's a lot that
Speaker 2: you're going to learn about managing your health right now.
Speaker 2: Maybe as the interim measure, you could use some of
Speaker 2: your sick days take some pressure off. Maybe even talk
Speaker 2: to your boss and be like, Hey, don't know how
Speaker 2: transparent you want to be. Hey, I am not dealing
Speaker 2: well with a health diagnosis that I am currently in
Speaker 2: the midst of none of their business. Is there a
Speaker 2: way that I could for the next three Fridays have
Speaker 2: a sick day. I know that people don't usually plan
Speaker 2: sick days in advance, but like, that's what they are for.
Speaker 2: I don't want to get too much into it, and
Speaker 2: after that we can review and hopefully I can return
Speaker 2: to normal. If not, we can discuss it. Then it's
Speaker 2: giving your boss or heads up. You can kind of
Speaker 2: test the waters you're using sick leave. You should be
Speaker 2: allowed to and I mean, at the end of the day,
Speaker 2: if they say no to taking sick leave, fair work issue.
Speaker 2: So I really doubt that they're going to do that.
Speaker 2: And to be honest, if was going through something similar,
Speaker 2: I say Jess all the time because she literally reports
Speaker 2: to me, whereaspec, you work for the podcast, but you
Speaker 2: work nine to five somewhere else. So if Jess came
Speaker 2: to me and said, hey, you know, she'd probably tell
Speaker 2: me the juicy deets. Let's be honest. But that's a
Speaker 2: friend thing, not an employer thing. But if she said
Speaker 2: I need to take time off as an employer far out,
Speaker 2: I'm so grateful that she's not curling me for the
Speaker 2: next three weeks on a Thursday night being like, hey,
Speaker 2: I'm going to be sick tomorrow, Like, thank you for
Speaker 2: the plan around burning. I can plan around it. I
Speaker 2: can go all right, Jess, you can have the Fridays
Speaker 2: off for the next few weeks, sick leave, No worries.
Speaker 2: Let's just make sure A, B and C you're done,
Speaker 2: because they're no one's dressed, how good. So maybe there's
Speaker 2: like a workaround, but I think make sure that you're leaning,
Speaker 2: especially on stuff like this, lean on your sick leave.
Speaker 2: It is there to be used, and I'm not saying
Speaker 2: like you've use it, but like it sounds like you
Speaker 2: actually need a few days off because if you're close
Speaker 2: to burn out, you're sitch.
Speaker 5: Yeah, and then if you maybe if you do it
Speaker 5: that way, you'll be able to say, hey, like everything
Speaker 5: functioned well. I was able to complete my work during
Speaker 5: the week, Like the sky didn't fall in when I
Speaker 5: took those fridays off. Can we look at moving that
Speaker 5: to a long term solution where I work a four
Speaker 5: day work week. We've seen that it works, yeah, and
Speaker 5: that's you know, it's been really beneficial for me, and
Speaker 5: I think that that's really going to help me avoid
Speaker 5: burnout work at my ultimate you.
Speaker 2: Know level performance exactly.
Speaker 5: Because ultimately that's what the workplace wants, right, So I
Speaker 5: think if you can demonstrate that and maybe that is
Speaker 5: a good way to broach it gently if you're feeling
Speaker 5: a bit nervous about it, but also.
Speaker 2: Take the pressure of immediately, Like I think you're thinking
Speaker 2: really long term about this because you're currently feeling like
Speaker 2: you're headed towards burner. I get long terms really important,
Speaker 2: but what can you do in the here and now?
Speaker 2: Without setting in place a formal structure, which I promise
Speaker 2: is going to take a bit of time. If you
Speaker 2: said you're in engineering, I can almost guarantee they're a
Speaker 2: little bit behind. So getting something like that across the
Speaker 2: table is going to be challenging. But I would lean
Speaker 2: on your sick leave at the start and then go
Speaker 2: from there whatever else. Of course, we went to the
Speaker 2: community asked their two cents, But first we said, would
Speaker 2: you feel confident asking for a few hours at work? Interestingly,
Speaker 2: eighteen percent of you said only if I had kids.
Speaker 2: Sixty percent of you said absolutely, my well being matters,
Speaker 2: Yes it does, queens, and twenty two percent of you
Speaker 2: said no, way, wouldn't feel comfortable. The next question we
Speaker 2: asked was what do you think about the advice to
Speaker 2: just push through? Hate it? Sorry?
Speaker 5: Did we even address at all? I hate it?
Speaker 2: And you're good because eighty one percent of our community said,
Speaker 2: terrible advice. Terrible, terrible. Nineteen percent of you said that's
Speaker 2: how I'd handle it. Don't do that, okay, big dog,
Speaker 2: you just handle it. That's terrible. You're the person that's
Speaker 2: going to head towards burnout and burn out harder. So
Speaker 2: one out of ten don't recommend that, and then obviously
Speaker 2: we said, girl, what are your two cents? And you
Speaker 2: had some thoughts. Someone said, I'm about to navigate this.
Speaker 2: I'll be actually asking my GP for a medical certificate
Speaker 2: to help support me. Cool genius. Someone else said, I
Speaker 2: reduced to nine days a fortnight as a thirty year old.
Speaker 2: I love life now. It was actually essential for my
Speaker 2: mental health. Someone else said, you can just call Fair
Speaker 2: Work and ask for advice on advocating for reasonable accommodations.
Speaker 2: That is great advice. There is so much support, Like
Speaker 2: you don't have to go to your HR department or
Speaker 2: your boss, like you can work out what's feasible first,
Speaker 2: because that's power. Like imagine getting to walk in and
Speaker 2: then they go not possible, and you go, oh, I
Speaker 2: hate to do this, but legally you have to work
Speaker 2: with me. Like I don't want to be that guy,
Speaker 2: but I do know my rights.
Speaker 5: I'm great to have like a record or a document
Speaker 5: that you've spoken to Fair Work because if anything does
Speaker 5: go wrong and you do need to lean on that,
Speaker 5: you can say, well, I was proactive. I took that
Speaker 5: approach ahead of time.
Speaker 2: Yeah. Yeah, Someone else said, empathizing with you I'm also
Speaker 2: are you DHD? And I find the five day work
Speaker 2: week a lot no advice, just lots of empathy. You
Speaker 2: guys both raised eyebrows. That is a combination of autistic
Speaker 2: and ADHD together, which comorbidity in those conditions is incredibly high. Right,
Speaker 2: kind of cool though, Yeah, when you're a little bit nearer,
Speaker 2: spicy runs deep. I was laughing because like a couple
Speaker 2: of my friends diagnote complete side note, I am ADHD.
Speaker 2: I haven't been diagnosed with anything else. But a couple
Speaker 2: of my friends who've been diagnosed with ADHD got their medication,
Speaker 2: started taking their medication, and then realized they were also autistic,
Speaker 2: which is not funny, but it is quite funny because
Speaker 2: like your ADHD symptoms off the mask, what else is
Speaker 2: going on? Short out the ADHD and you're like, oh,
Speaker 2: there's another thing hiding under here. Really really common. Someone
Speaker 2: else said, don't over explain, make the request and provide
Speaker 2: just enough information.
Speaker 5: Fair you only have to share what you're company with.
Speaker 2: And then someone else said, I thought this was quite funny.
Speaker 2: She said, it is terrible advice to just push through,
Speaker 2: but let's be honest, That's how i'd handle it.
Speaker 4: Oh yeah, I know, I get that.
Speaker 2: Yeah, I feel like so many of us do that.
Speaker 2: But you don't have to put yourself first. You're impacting
Speaker 2: so many parts of your life by not making sure
Speaker 2: that you're well. Like if you're not well, how are
Speaker 2: you giving your best? You can't pull from an empty
Speaker 2: cup completely. Someone else said, I asked to drop from
Speaker 2: five days to three and a half days a week,
Speaker 2: and it has mentally saved me. Someone else said, I
Speaker 2: love this advice you don't ask, you don't get.
Speaker 5: Should we need to put that on a T shirt? Yeah?
Speaker 4: Really need to be somewhere.
Speaker 2: Exactly, And I feel like that's probably a good place
Speaker 2: to leave it, to be honest, Like, you don't ask,
Speaker 2: you don't get.
Speaker 4: Yeah, very true that the anxiety around asking and feeling
Speaker 4: like crap after even if you whether you got your
Speaker 4: way or not, that'll fade and you'll be left with
Speaker 4: a beautiful nine day, fortnight exactly.
Speaker 2: But also I think defining here what anxiety is, Anxiety
Speaker 2: is the fear of the unknown, right, Like anxiety is
Speaker 2: being worried about something that might not happen, Like, as
Speaker 2: I've said on this podcast before, what's the worst thing
Speaker 2: that never happened? To you, and I think that helps
Speaker 2: me a lot because as somebody who takes anti anxiety medication,
Speaker 2: I feel like I'm very well spoken in this space.
Speaker 2: But often we ruminate in our own heads and make
Speaker 2: things much bigger than they actually are, and I mean
Speaker 2: they're way worse at three am, right. But I think
Speaker 2: the most important thing here is do all your research,
Speaker 2: because the more information and the more education you have
Speaker 2: about this, the more power you're going to have. So
Speaker 2: talk to fair work, do some research background, read some
Speaker 2: forums online about what there is available to you, and again,
Speaker 2: lean on your sick cleave. It's there for you when
Speaker 2: you're not well, and you're telling me that you're heading
Speaker 2: towards burnout. So that's where we'll leave it. I hope
Speaker 2: you guys have a beautiful weekend. I'll see you in
Speaker 2: the morning for a little solo episode and then also
Speaker 2: on Monday, bright and early for a money diary. So
Speaker 2: have a good weekend, guys.
Speaker 4: We love you, Bye guys.
Speaker 3: Cy.
Speaker 6: The advice shared on She's on the Money is general
Speaker 6: in nature and does not consider your individual circumstances. She's
Speaker 6: on the Money exists purely for education purposes and should
Speaker 6: not be relied upon to make an investment or financial decision.
Speaker 6: If you do choose to buy a financial product, read
Speaker 6: the PDS TMD and obtain appropriate financial advice.
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