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

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it. She's on the Money. She's on

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Speaker 2: the Money. Hello and welcome to She's on the Money

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Speaker 2: podcast that makes personal finance fun, especially on Fridays. It's

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Speaker 2: our favorite day of the week today because we get

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

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Speaker 2: the Money community today, mister Gorici's going to be sharing

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Speaker 2: our favorite money wins. Our co host Beck is going

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Speaker 2: to be sharing her favorite broke tips, and we're going

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Speaker 2: to be helping to answer a cheeky money dilemma which

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Speaker 2: is all about navigating a mortgage when you're a sex

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Speaker 2: worker and something that you're leading into our dms about

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Speaker 2: this week is the fallout of falling victim for Fomo spending,

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Speaker 2: which I think everyone at this stable can relate to.

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Speaker 2: Let's be honest and man, Bin done that my friends.

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Speaker 2: Before we get there, though, we have started reading out

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Speaker 2: our favorite five star reviews on the podcast. Beck, what

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Speaker 2: was your favorite five star review that you saw in

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Speaker 2: our reviews this week? Cool? Okay?

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Speaker 3: So this one comes from Nat. She says, honestly, love

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Speaker 3: this party has taught me so much about finance, helped

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Speaker 3: me build confidence when making financial decisions.

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Speaker 2: And then the She's on Money.

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Speaker 3: Team honestly feel like girlfriends and your own circle of mates.

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Speaker 3: We are your friends, so sweet.

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Speaker 2: We are just friends who haven't met yet. Of course

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Speaker 2: that's really cute.

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Speaker 4: My one this week is from Fee, who said I've

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Speaker 4: listened to almost every episode and I'm still loving it

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Speaker 4: and learning new things every time. It has absolutely inspired

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Speaker 4: me to make so many positive changes. Over the years,

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Speaker 4: the podcast has evolved and kept fresh. The current format

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Speaker 4: is the perfect balance. I love the controversial opinions on

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Speaker 4: topics and the differing viewpoints of the team, especially Beck.

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Speaker 4: More Beck airtime. Please, Oh my god, Oh my.

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Speaker 2: God, that has literally made my heart race. You are

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Speaker 2: so cute today warning you deserve a good day today too,

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Speaker 2: Thank you. I love it all right. So I don't

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Speaker 2: have a name for this one because the person who

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Speaker 2: wrote in actually has a username that is binary code,

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Speaker 2: which I really like, and I think what I'm going

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Speaker 2: to do is translate that later. But I think they're sneaky.

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Speaker 2: So here's the review. Are you ready? It's so cute.

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Speaker 2: I started listening about a year ago, and within just

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Speaker 2: one year, the main difference it made was the confidence

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Speaker 2: in my ability to change my financial habits. I had

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Speaker 2: a mental block and was avoiding the topic of finances

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Speaker 2: because I'm used to being a smarty pants at everything

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Speaker 2: else loll. I felt embarrassed that I had this gap

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Speaker 2: in my knowledge, and I thought it was just that

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Speaker 2: I didn't have the brain for financial stuff. Boy was

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Speaker 2: I wrong. Because of the WayV and the team have

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Speaker 2: made this content so approachable and relatable, I've been able

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Speaker 2: to self reflect on my money story and improve my habits,

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Speaker 2: and now I'm in a financially secure and resilient place.

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Speaker 2: I've even passed on the info to my teen nieces

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Speaker 2: and nephews and they've been able to set themselves up

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Speaker 2: so well, right from the age of fifteen when they

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Speaker 2: got their first jobs. You've done wonders for my whole family.

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Speaker 2: The impact is just going to multiply now. I mainly

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Speaker 2: just listen because I like surrounding myself with positive energy

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Speaker 2: and I love how you all interact and relate to

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Speaker 2: each other. It's just so that's awesome. Thank you for everything.

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Speaker 2: Is really nice. Lot, Yeah, that's really sweet. Be did

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Speaker 2: you write that? Yes? I love it. I feel like

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Speaker 2: it has been such a good week reading through all

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Speaker 2: the positive reviews, like making finance fun is literally my

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Speaker 2: favorite thing ever. But you know what else is my favorite?

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Speaker 2: The community obviously, Like this community is literally only cool

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Speaker 2: because of them. So miss jessic Ricci. When it comes

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Speaker 2: to money, wins and confessions, what are you bringing to

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Speaker 2: the table?

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Speaker 4: Alrighty, first, when this week I have comes from Sammy

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Speaker 4: who said she canceled her subscription to the Flow app

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Speaker 4: after the free trial had concluded, and responded saying that

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Speaker 4: it was out of her budget because it's about one

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Speaker 4: hundred and twenty bucks a year. Yeah, it does get

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Speaker 4: spano a bit expensive. However, Flow came back and offered

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Speaker 4: her an annual subscription for twenty bucks. No, they did

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Speaker 4: kind Yeah, so that I feel like is incredible.

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Speaker 2: And Flow is going to be like, why are you

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Speaker 2: reading this on the podcast? We have this influx of

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Speaker 2: people emailing well, I mean flow, money, isn't it? Flow?

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Speaker 2: You're probably going to get some new clients out of this.

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Speaker 2: Absolutely flow too, So I get it. I like it.

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Speaker 4: There you go next, I've got no money you win

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Speaker 4: from Emily. It's a good it's a money needed, a

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Speaker 4: good little fyi. Emily said she's been stocking up when

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Speaker 4: period and general hygiene products are on half priced hail

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Speaker 4: from chemists and the supermarkets. How we've spoken about how

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Speaker 4: they run on that annual cycle because the Share the

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Speaker 4: Dignity Drive is coming, yes, which is something that I

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Speaker 4: know that we've all donated to before. If if you

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Speaker 4: don't know Share the Dignity too, maundif I shout them

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Speaker 4: out quickly, of course, I don't mind if you don't know.

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Speaker 4: Share the Dignity are a great organization. They provide period

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Speaker 4: and healthcare products to women who need it. Obviously, cost

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Speaker 4: of living is hitting people really really hard. The drive

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Speaker 4: starts in November, so what Emily's done is she's getting

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Speaker 4: in early. She's stockpiling half price and putting it aside

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Speaker 4: so she can then donate it once the drive starts.

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Speaker 2: That's really sweet.

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Speaker 4: I know that we're all struck for cash, but if

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Speaker 4: you do want to contribute, you've got a little bit

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Speaker 4: of extra room in your budget. Maybe you want to

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Speaker 4: spend your flybysts or your every day Rewards points on some.

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Speaker 2: Everyday rewards points would be perfect for that. And when

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Speaker 2: I was going through the Woolies checkout the other day,

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Speaker 2: I scanned my card and it was like, do you

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Speaker 2: want to use your ten percent off on this purchase?

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Speaker 2: And I was like, no, one must save it for

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Speaker 2: a bigger purchase. But maybe that's when you save an

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Speaker 2: extra ten percent off. Yeah, double down on the disc.

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Speaker 2: Your self control is really something like i'd.

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Speaker 4: Be hitting.

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Speaker 2: Off now when my like total is like forty dollars.

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Speaker 2: I want ten percent off when I'm at the supermarket

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Speaker 2: spending one hundred and eighty bucks. Yeahs've got to be

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Speaker 2: You've got to be smart about totally.

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Speaker 4: So a great little reminder and a very smart idea

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Speaker 4: from our friend Emily. Next, I've got a money loss

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Speaker 4: and a money win from Melissa Money lost her fridge

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Speaker 4: carked it over the weekend rip. Oh there's so expensive,

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Speaker 4: so annoyed, and she lost all the food in the

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Speaker 4: fridge and freezer to spend one point three k on

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Speaker 4: a new one, she said, money Win. Though always asked

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Speaker 4: for a deal, the worst they can say is no.

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Speaker 4: They gave her an extra hundred bucks off because she

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Speaker 4: asked them if they could, and they said yes, and

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Speaker 4: then they got ten percent back on the total price

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Speaker 4: through promotion.

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Speaker 2: Money Win. And also like that hundred bucks they can

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Speaker 2: go to water stock in your freeze all the food

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Speaker 2: that you lost. I hate to think about how much

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Speaker 2: that food would have been worth as well, because I

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Speaker 2: don't know about you guys, but like if something's a

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Speaker 2: little bit more expensive, like say we've bought steak and

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Speaker 2: I'm like, oh, we haven't actually cooked that into the freezer.

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Speaker 2: She goes immediately into the I'm gonna freeze it, Like

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Speaker 2: I don't want that stuff to go to waste because

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Speaker 2: it's like a little bit more expensive. The broccoli that

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Speaker 2: looks a little bit limp in my vegetable crisp bethough

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Speaker 2: that never makes it to the freezer. So I feel

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Speaker 2: like my freezer. It's like the expensive part of my kitchen. Really,

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Speaker 2: I want that to go to waste. There is also

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Speaker 2: no worse smell than.

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Speaker 5: You're out.

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Speaker 4: Next, I've got a money win from Penny, who said

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Speaker 4: she went to her favorite bar with a friend. They

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Speaker 4: got a glass of winy. When they went to pay,

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Speaker 4: the bartender said that somebody had anonymously donated five hundred

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Speaker 4: bucks towards a venue wide tab, so they each got

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Speaker 4: their glasses one for free.

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Speaker 2: Do you cute?

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Speaker 4: Do you ever fantasize about having enough money to be

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Speaker 4: able to do it like pay? You go to a

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Speaker 4: coffee shop and say, hey, like for every service worker

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Speaker 4: that comes in, like pay for their coffee for the day.

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Speaker 2: Should do that. We should do my dream. We should

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Speaker 2: We should find a cafe that's local and do that

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Speaker 2: for a day. We're like coffees are on sheese on

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Speaker 2: the money. Yeah, I feel so fun. Yeah.

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Speaker 3: Oh I'd love to just like look across the bar

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Speaker 3: one day and be like, I'm going to pay for

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Speaker 3: those girls.

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Speaker 2: Literally reason creepy men in the bar, like I see

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Speaker 2: you Jessica to tell her these drinks on me, and

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Speaker 2: Josica's like, please send it back.

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Speaker 4: I will not be accepting that, but thank you so much. Next,

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Speaker 4: I've got the money from Christie who said she saw

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Speaker 4: vd's real about the Core special and she signed up

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Speaker 4: four days before they went on a trip, and they

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Speaker 4: say fifty percent. Actually some meals at the restaurant and they.

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Speaker 2: Got two free drinks.

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Speaker 4: They also told the accommodation when they booked how excited

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Speaker 4: that she to be staying. Next it was their anniversary

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Speaker 4: and they.

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Speaker 2: Got a bottle of bubbles on arrival. Oh my gosh,

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Speaker 2: I love a mouthful that I'm about to go stay

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Speaker 2: in Queensland. This is not sponsored, by the way, this

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Speaker 2: is just us talking about a good money wan. I'm

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Speaker 2: about to go stay in Queensland. And I literally made

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Speaker 2: sure like three times that I'd put my Core membership

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Speaker 2: in because I know that the place that we're staying

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Speaker 2: in Queensland there's like it's like kind of a resort.

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Speaker 2: I'm going to get fifty percent off my meals, Like

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Speaker 2: I'm not missing out on that. I'm going to make

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Speaker 2: sure that I have that. I've not only entered it

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Speaker 2: where they asked me, do you have an a Core

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Speaker 2: membership what's a number? I was like, yeah, I have it,

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Speaker 2: but I also made sure I put it in the

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Speaker 2: notes of my booking because I was like, don't miss this,

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Speaker 2: just like rock up with a shirt with the like

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Speaker 2: print my core membership number and be like, did you

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Speaker 2: see this.

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Speaker 4: Just in case, just and I know people are gonna

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Speaker 4: have questions if they've missed the real So we did

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Speaker 4: a blog post on it this week.

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Speaker 2: If you want to go there, that bit maybe is sponsored,

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Speaker 2: but my commentary has not had no clue. Sorry a

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Speaker 2: corps absolutely.

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Speaker 4: And then last of this week, I have one more

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Speaker 4: money lost turned money again from Amy.

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Speaker 2: She lost her purse which had her open card in.

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Speaker 4: It, which is I think the Sydney want to a

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Speaker 4: Mikey and she said, spoiler alert, I will claim it

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Speaker 4: today from the depot because a kind, harder person gave

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Speaker 4: it in, which is very lucky. Thank you to that person.

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Speaker 2: But she's so nice.

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Speaker 4: She went to get a new Opal card and she

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Speaker 4: was able to transfer the balance off of her old one.

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Speaker 4: Oh that's so good, which was lucky because she had

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Speaker 4: one hundred and thirty bucks on there.

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Speaker 2: So that's why you should always register your hot ak

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Speaker 2: so like always register your public transport cards because if

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Speaker 2: that's the case, you can cancel your old one and

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Speaker 2: have the balance shift over you wrote the lacy cash.

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Speaker 2: Also funny side note, I was in Sydney this week

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Speaker 2: speaking at south By Southwest with that so amazing. That

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Speaker 2: is really cool, actually elite, and I got a notification

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Speaker 2: on the plane as we were landing from my bank

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Speaker 2: and it said, hey, did you know you can use

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Speaker 2: your bank card for public transport now? So like in Sydney,

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Speaker 2: you don't need your Opal card, you can just type

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Speaker 2: your bank card. Yeah, but look at my bank shoving

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Speaker 2: it in my face. You can only do this in

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Speaker 2: New South Wales. Victoria hasn't caught up yet. That's so

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Speaker 2: annoying because the other day I wanted to catch the

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Speaker 2: tram but I couldn't find a Mikey because I don't

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Speaker 2: usually catch the tram. Yeah yeah, but you know what

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Speaker 2: I mean, Like it was actually I walked, so it

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Speaker 2: wasn't the end of the world. And it's like the

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Speaker 2: biggest first world problem ever. But I was like, how

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Speaker 2: much simpler would it be if I could just tap

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Speaker 2: my Apple pay. Yeah, anyway, he's got to catch up.

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Speaker 2: Come a Mikey, Come on, Mikey, We've got Android. I

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Speaker 2: just want to say, I just want to put that

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Speaker 2: out there. You can with Android. It must be nice,

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Speaker 2: it must be nice. I live in the cult that

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Speaker 2: is the Apple units there. Yeah, so anyway, tell me

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Speaker 2: what broke tips have you got for us this week? There? Yes, okay,

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Speaker 2: So this first one comes from Kisser. I love that kissing.

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Speaker 2: I know that sounds like I'm made of yours.

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Speaker 3: Kisses are now waiting for me, So I'd better make

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Speaker 3: this quick. So Kisser says, join bunch. This is through Woolwords.

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Speaker 3: So I did google it because this one came in

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Speaker 3: very very recently.

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Speaker 2: Yeah before. It's just fresh, just fresh, and so I

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Speaker 2: googled it.

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Speaker 3: It looks like it's like taste testing free food, free

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Speaker 3: treats through Woolwords. You have to join though, and when

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Speaker 3: I google it, it did say the right capacity. So

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Speaker 3: just keeps checking, keep an eye on it, keep checking.

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Speaker 2: Do try and join.

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Speaker 3: I feel like there are otherwise you can maybe just

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Speaker 3: like email them and maybe go on a wait list.

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Speaker 2: So surely there's something like that. Corl's have an equivalent

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Speaker 2: to I think it's called Cole's Circle. Okay, that's great

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Speaker 2: to know. Cool's circle. Kelle Ween would like some free stuff.

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Speaker 2: Thank you, thank you. So I think that's a great one.

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Speaker 2: If you just want some, you know, I will taste

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Speaker 2: test a lot of things if you go. Do you

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Speaker 2: want to try it? Yes? I do, absolutely, the little

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Speaker 2: bits of scroll at the bakery, I'm taste testing. They

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Speaker 2: might be handing out stuff.

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Speaker 4: By Southwest, I'll take twenty.

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Speaker 2: So Tim Tam was a major sponsor of south By

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Speaker 2: Southwest Parnetts, We love you. But we did make it

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Speaker 2: our personal mission because you know when you go to

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Speaker 2: a conference and then give you a canvas toach to

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Speaker 2: collect all of your lip, well, we made it our

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Speaker 2: personal mission to see how many individually wrapped Tim Tams

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Speaker 2: we could fit in Jessica's bag. Oh and how many

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Speaker 2: did you get in there?

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Speaker 4: It wasn't like we went making a real every time

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Speaker 4: we make all someone because there are lots of people

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Speaker 4: like all over the conference that had this.

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Speaker 2: We didn't just go tip it. That's no fun. Like

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Speaker 2: you can't just go and tip a whole heap of

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Speaker 2: Tim Tams in your bag and be like ha ha.

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Speaker 2: We could fit this many and if someone catches you, yeah,

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Speaker 2: And we also had to wait until we were offered

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Speaker 2: a Tim Tam. Yeah. So like they'd be like, do

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Speaker 2: you want to Tim Tam And we'd be like, oh,

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Speaker 2: what a coincidence. We'd love Tim Town and then then

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Speaker 2: hand us to Tim Taman, I like sneak it into

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Speaker 2: Jess's bag and then we're like aha, run away. And

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Speaker 2: then another person and then they'd be like Tim Taman.

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Speaker 2: You'd be like, wow, I have not been asked yet.

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Speaker 2: Thank you so much. And then there was this one

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Speaker 2: girl who I think quattoned on to us that was

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Speaker 2: then near the entrance. I see that. We kept going

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Speaker 2: in and out and she would look at us and

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Speaker 2: be like Tim Tam and we'd be like, yep, she knew.

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Speaker 4: She knew.

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Speaker 2: She's a girl's girl. She respected the hustle ife.

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Speaker 4: I love it.

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Speaker 2: She also saw us filming putting the Tim Tams into

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Speaker 2: Jess's bag, and I thought she thought it was study.

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Speaker 4: But she didn't see here, nor say she's blind, she's blind,

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Speaker 4: pets or nothing.

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Speaker 2: She was an icon. We can't remember what she looked like.

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00:14:26,680 --> 00:14:28,800
Speaker 2: We can't remember what gates she was on on it's

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00:14:28,800 --> 00:14:31,440
Speaker 2: don't ask, we will not tell you. But then when

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00:14:31,440 --> 00:14:33,960
Speaker 2: we got to the airport, our flight was delayed, so

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Speaker 2: Jess sat on the ground and we tipped all the

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Speaker 2: tim Tams over it. Oh and how many?

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Speaker 4: How did you? We got like some twenty something tim tams,

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Speaker 4: which is crazy considering we're collecting those one by now.

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Speaker 2: That's dedication. Thank you. That was a good broke tip.

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Speaker 2: Thank you from Kisser. I mean, thank you, thank you Kisser.

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Speaker 2: But also take free stuff from conferences. Yes, absolutely, that

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Speaker 2: is actually a really good on Okay.

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Speaker 3: This next one comes from Ben who says, go to

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Speaker 3: this is like a Melbourne thing, but I'm sure there

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Speaker 3: are equivalents in other states and things.

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Speaker 2: Go to Richmond Common Home, which is close to here.

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Speaker 2: I had never heard of it. It looks like a cafe.

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Speaker 2: I did google.

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Speaker 3: It looks like it just like your stand a cafe bakery.

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Speaker 3: Take the bread home, so I haven't been there personally.

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Speaker 3: This is also a freshy, so I haven't had time

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Speaker 3: to go and.

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Speaker 2: Share it or something of that.

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Speaker 4: But also like what I mean, take the bread home,

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Speaker 4: like from the table. This is what I'm yet to

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Speaker 4: fact check.

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Speaker 2: So like I do often go to a cafe and

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Speaker 2: purchase bread and then I take it home, but I

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Speaker 2: have to purchase.

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Speaker 4: It and there's no there no that's an exchange of

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Speaker 4: money for good that is actually a transaction.

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Speaker 3: But from what I can tell, this is like free bread.

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Speaker 3: And the fact that it's Common Home, I'm thinking, like

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Speaker 3: maybe they're giving out free bread because.

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Speaker 2: After it's like done trading, like all the bread that

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Speaker 2: they have after lunch while they're like shutting up shop

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Speaker 2: or something.

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Speaker 3: But I will say that if you do go to

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Speaker 3: like a bakery or a cafe. I was sitting at

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Speaker 3: a bakery with my girlfriend the other day, maybe just

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Speaker 3: go your friend. Do you have a good friend and

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Speaker 3: day We wouldn't know.

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00:16:04,040 --> 00:16:07,920
Speaker 2: No, I never heard about it. But they were just like,

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Speaker 2: do you guys want some free bread? Take as many

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Speaker 2: loads as you like. We're about to close, So whether

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Speaker 2: how many loads and how many loads of breads did

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Speaker 2: you take?

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00:16:15,840 --> 00:16:18,680
Speaker 3: We actually only took two because we were that's respectful,

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Speaker 3: but we really.

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00:16:19,320 --> 00:16:21,840
Speaker 2: Wanted to take all of them. Yeah, that would have

360
00:16:21,840 --> 00:16:23,680
Speaker 2: been me. And I've been like, thanks, nah, I'm good,

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00:16:23,720 --> 00:16:25,240
Speaker 2: I just want one, And in the back of my head,

362
00:16:25,240 --> 00:16:26,479
Speaker 2: I'm like I wanted fifty.

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Speaker 3: So whether or not Richmond Common Home do free bread daily,

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00:16:31,920 --> 00:16:34,320
Speaker 3: like every single day, all day, every day, honestly, go

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00:16:34,320 --> 00:16:36,800
Speaker 3: to your local bakery when they're closing up and be like, hey,

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Speaker 3: what are you throwing out today?

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00:16:38,000 --> 00:16:40,120
Speaker 2: Can I take some love? How good is that? I

368
00:16:40,160 --> 00:16:41,720
Speaker 2: love that? And what's your broke tip?

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00:16:42,120 --> 00:16:45,280
Speaker 3: My one is we have mentioned before kind of like

370
00:16:45,440 --> 00:16:49,920
Speaker 3: in the similar vein where trying YouTube your car problems

371
00:16:49,920 --> 00:16:51,520
Speaker 3: see if you can fix them yourself, because.

372
00:16:51,560 --> 00:16:55,520
Speaker 2: More there have you been watching my videos on Instagram

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00:16:55,560 --> 00:16:59,200
Speaker 2: and now you're using that as your broke tep Okay.

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00:16:58,920 --> 00:17:01,560
Speaker 3: This is I believe I'm doing myself hole because I'm

375
00:17:01,560 --> 00:17:03,400
Speaker 3: saying I haven't watched your Instagram and.

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00:17:05,200 --> 00:17:07,679
Speaker 2: It's it's very funny, and I think that everyone in

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00:17:07,720 --> 00:17:10,199
Speaker 2: now She's on the money community will probably understand this.

378
00:17:10,440 --> 00:17:13,840
Speaker 2: But you guys, hear my voice twenty four seven. At

379
00:17:13,840 --> 00:17:16,600
Speaker 2: this point, I probably would have blocked me on TikTok

380
00:17:17,000 --> 00:17:20,000
Speaker 2: on Instagram, like Jess doesn't need more of me. She

381
00:17:20,040 --> 00:17:22,320
Speaker 2: hears me on the pod, so like she hears me

382
00:17:22,359 --> 00:17:24,159
Speaker 2: on the pod, then she hears me in the office,

383
00:17:24,280 --> 00:17:26,679
Speaker 2: then she hears me on teams, then she sees me

384
00:17:26,720 --> 00:17:33,200
Speaker 2: on Slack. She does not need more. And then I'm

385
00:17:33,200 --> 00:17:35,520
Speaker 2: slide into her dms on Instagram like did you see

386
00:17:35,560 --> 00:17:40,280
Speaker 2: Thistrictly voice memos? So that she can still hear your voice. Mate,

387
00:17:41,000 --> 00:17:44,040
Speaker 2: We are on TikTok at eleven pm DM and each other,

388
00:17:45,240 --> 00:17:47,680
Speaker 2: so if anybody else is on that side of TikTok,

389
00:17:47,920 --> 00:17:50,800
Speaker 2: we're with you. Yeah, be done. I'll go there, especially

390
00:17:50,840 --> 00:17:52,200
Speaker 2: now that you mentioned it. My phone's listening.

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00:17:52,359 --> 00:17:54,560
Speaker 3: Yeah good, Yes, so I haven't seen it, but I

392
00:17:54,600 --> 00:17:56,879
Speaker 3: wonder if it's what close to you or similar to

393
00:17:56,880 --> 00:17:59,960
Speaker 3: what it was your youtubing was so right now, I obviously,

394
00:18:00,080 --> 00:18:01,919
Speaker 3: as you guys know, I don't have a back window

395
00:18:01,960 --> 00:18:04,240
Speaker 3: because someone broke into my car months ago.

396
00:18:04,240 --> 00:18:07,119
Speaker 2: What is your back window made of? Currently? Duct tape?

397
00:18:07,160 --> 00:18:11,520
Speaker 2: It's duct tape? Yeah, that's nice, honestly, what can't it do?

398
00:18:11,960 --> 00:18:13,960
Speaker 3: Seriously, what can't it do? That was another broad tip.

399
00:18:14,000 --> 00:18:15,919
Speaker 3: My cousin dact tape to a vacuum and she has

400
00:18:15,960 --> 00:18:17,840
Speaker 3: a vacuum on an angle now but it really works.

401
00:18:17,840 --> 00:18:21,200
Speaker 3: But anyway, exactly, duct tape does fix a lot of things.

402
00:18:21,240 --> 00:18:24,840
Speaker 3: But anyway, my window is broken, my clutch is slipping, and.

403
00:18:24,720 --> 00:18:25,600
Speaker 2: You don't even know.

404
00:18:25,720 --> 00:18:29,480
Speaker 3: Like, if you google the most niche and specific thing,

405
00:18:30,040 --> 00:18:33,040
Speaker 3: YouTube will have the answer. So I've been quoted between

406
00:18:33,080 --> 00:18:35,600
Speaker 3: fifteen hundred and two thousand dollars to replace my clutch.

407
00:18:36,760 --> 00:18:39,840
Speaker 3: But I bought a clutch kit for one hundred and

408
00:18:39,840 --> 00:18:44,960
Speaker 3: fifty bucks, okay, and it is quite labor mechanic quid, yeah,

409
00:18:45,000 --> 00:18:47,879
Speaker 3: thank you so much. And I googled two thousand and

410
00:18:47,960 --> 00:18:51,840
Speaker 3: four five speed manual and this exact game. It came

411
00:18:51,920 --> 00:18:54,800
Speaker 3: up exactly how to fix it. It's quite labor. So if

412
00:18:54,800 --> 00:18:57,280
Speaker 3: I had the money, I would absolutely get someone to pay,

413
00:18:57,400 --> 00:18:59,520
Speaker 3: because it's not like I'm being ripped off for anything.

414
00:18:59,560 --> 00:19:02,880
Speaker 2: I totally but it's just a very expensive thing to do. Yes,

415
00:19:02,960 --> 00:19:04,679
Speaker 2: you're going to give it a hot crack. I'm going

416
00:19:04,760 --> 00:19:05,359
Speaker 2: to give it a crack.

417
00:19:05,400 --> 00:19:08,080
Speaker 3: And basically my broake tip is that import anyone out there,

418
00:19:08,119 --> 00:19:11,159
Speaker 3: if you have a car problem and you have the

419
00:19:11,200 --> 00:19:14,960
Speaker 3: physical ability to maybe just have a look, then YouTube it.

420
00:19:15,000 --> 00:19:16,760
Speaker 3: I promise it will come up no matter what your

421
00:19:16,760 --> 00:19:19,320
Speaker 3: problem is. It will come up, no matter how niche,

422
00:19:19,560 --> 00:19:21,640
Speaker 3: and just try that first. See if you can find

423
00:19:21,680 --> 00:19:23,720
Speaker 3: the little bits and pieces. And honestly, it's a lot

424
00:19:23,760 --> 00:19:27,200
Speaker 3: of a lot of fun and extremely satisfying just getting

425
00:19:27,359 --> 00:19:28,600
Speaker 3: in there and getting hands dirty.

426
00:19:28,640 --> 00:19:30,080
Speaker 2: Always can do it. How hard can it be?

427
00:19:30,200 --> 00:19:31,800
Speaker 4: If you get good at it, you should start like

428
00:19:31,840 --> 00:19:33,879
Speaker 4: offering it to friends, be like, hey, if you need it,

429
00:19:33,960 --> 00:19:35,840
Speaker 4: replace like, I'll do it for like five hundred bucks,

430
00:19:35,840 --> 00:19:38,719
Speaker 4: which covers materials and labor, which is like seventy five

431
00:19:38,760 --> 00:19:42,679
Speaker 4: percent off for them like that they'd be so but

432
00:19:42,720 --> 00:19:44,359
Speaker 4: then like you like you can do you said it's fun,

433
00:19:44,400 --> 00:19:46,800
Speaker 4: it's a little bit easy money, Like yeah, that's actually

434
00:19:46,800 --> 00:19:49,639
Speaker 4: a great idea. Become like the French mechanic and do

435
00:19:49,760 --> 00:19:50,680
Speaker 4: cheap services.

436
00:19:51,320 --> 00:19:53,600
Speaker 2: That's great. I love this and it actually plays into

437
00:19:53,600 --> 00:19:55,680
Speaker 2: the video of mine that I posted on the internet

438
00:19:55,720 --> 00:19:59,840
Speaker 2: that nobody's watched. So this week I replaced my wife.

439
00:20:01,200 --> 00:20:05,440
Speaker 2: Funny story, Actually, someone stole my wipers off my car.

440
00:20:06,400 --> 00:20:09,399
Speaker 2: My car's relatively nondescript, like it's not like I have

441
00:20:09,440 --> 00:20:11,720
Speaker 2: custom plates or something, so like people wouldn't know that

442
00:20:11,800 --> 00:20:14,320
Speaker 2: it's mine. But anyway, I got my one of my

443
00:20:14,400 --> 00:20:17,359
Speaker 2: wipers stolen, which is arguably worse for me. That's super annoying.

444
00:20:17,400 --> 00:20:21,560
Speaker 2: That's rude. Anyway, So I got online because my dad

445
00:20:21,560 --> 00:20:24,080
Speaker 2: has always said you can just do it yourself, Like

446
00:20:24,359 --> 00:20:27,720
Speaker 2: why not. I ordered my wiper blades just from I think,

447
00:20:27,800 --> 00:20:29,680
Speaker 2: like wipe a Tech. Why wipe a Tech because my

448
00:20:29,760 --> 00:20:31,680
Speaker 2: dad told me to order them from wipe a Tech

449
00:20:31,920 --> 00:20:34,440
Speaker 2: and same thing back. You're just key in your car.

450
00:20:34,720 --> 00:20:36,720
Speaker 2: You're key in the model, the year, and it tells

451
00:20:36,720 --> 00:20:38,960
Speaker 2: you what wipers you need to buy, and then you

452
00:20:39,119 --> 00:20:41,359
Speaker 2: order them. They have like ten percent off or something

453
00:20:41,400 --> 00:20:43,240
Speaker 2: on their website, so it ended up being super cheap

454
00:20:43,240 --> 00:20:45,680
Speaker 2: and you just clip them in yourself. It's just so easy.

455
00:20:46,359 --> 00:20:49,520
Speaker 2: I also chopped up my water, did my oil. You

456
00:20:49,520 --> 00:20:52,080
Speaker 2: can do all of that stuff yourself. You don't need

457
00:20:52,119 --> 00:20:55,439
Speaker 2: to pay somebody. I just do. I find it so

458
00:20:55,600 --> 00:20:58,480
Speaker 2: funny because I think the second that you go, oh,

459
00:20:58,520 --> 00:21:00,560
Speaker 2: it's something on your car that needs feeling, we think

460
00:21:00,600 --> 00:21:03,200
Speaker 2: that we can't do it ourselves. Yeah, And I was

461
00:21:03,240 --> 00:21:06,320
Speaker 2: talking to our producer Emma the other day and she's like, oh,

462
00:21:06,560 --> 00:21:09,920
Speaker 2: car door handle broke. My husband just ordered a brand

463
00:21:09,920 --> 00:21:12,639
Speaker 2: new one, you know, ten bucks or whatever it was.

464
00:21:12,800 --> 00:21:16,679
Speaker 2: Allie Express does the job. Yeah. Absolutely, we can do

465
00:21:16,800 --> 00:21:19,920
Speaker 2: hard things. Really we can. We absolutely can, and even

466
00:21:19,960 --> 00:21:21,639
Speaker 2: things around the house. The boys do it. I just

467
00:21:21,680 --> 00:21:23,520
Speaker 2: can't get that real out of mind yet, neither can I.

468
00:21:24,200 --> 00:21:26,640
Speaker 2: That's all I have. That's all you've got. I love that.

469
00:21:26,760 --> 00:21:29,000
Speaker 5: Let's go to a break on the flip side, we're

470
00:21:29,000 --> 00:21:31,719
Speaker 5: going to be talking about our money dilemma, which This

471
00:21:31,760 --> 00:21:33,920
Speaker 5: week is about navigating getting a mortgage when you're a

472
00:21:33,960 --> 00:21:35,680
Speaker 5: sex worker and something you slid into.

473
00:21:35,720 --> 00:21:38,480
Speaker 2: Our DMS about is about the fallout of falling victim

474
00:21:38,600 --> 00:21:40,960
Speaker 2: to fomo spending, which I think everyone on the table

475
00:21:41,000 --> 00:21:45,359
Speaker 2: can relate to. So don't go anywhere, guys.

476
00:21:47,480 --> 00:21:49,879
Speaker 4: Welcome back everyone. Let's take a listen to this week's

477
00:21:49,920 --> 00:21:52,640
Speaker 4: money dilemma.

478
00:21:52,840 --> 00:21:55,199
Speaker 5: Hi, there, have you got a money dilemma you just

479
00:21:55,240 --> 00:21:57,760
Speaker 5: can't solve? The She's on the Money team is here

480
00:21:57,800 --> 00:21:59,920
Speaker 5: to help. Every week we tackle your.

481
00:22:00,000 --> 00:22:03,280
Speaker 2: Dilemmas, both big and small, to answer your most burning money,

482
00:22:03,320 --> 00:22:06,399
Speaker 2: career and life questions. To get involved, simply head to

483
00:22:06,440 --> 00:22:08,800
Speaker 2: our website and leave us a short voice recording and

484
00:22:08,840 --> 00:22:11,520
Speaker 2: you might just find yourself on the show. Now, let's

485
00:22:11,560 --> 00:22:14,680
Speaker 2: take a listen to this week's money dilemma.

486
00:22:16,359 --> 00:22:20,560
Speaker 6: Hello, I work casually as a disability support worker and

487
00:22:20,840 --> 00:22:24,080
Speaker 6: a sex worker full service, and I'm trying to get

488
00:22:24,119 --> 00:22:27,080
Speaker 6: ready to buy a home. But I have some questions

489
00:22:27,080 --> 00:22:30,000
Speaker 6: around privacy with my home loan broker as well as

490
00:22:30,000 --> 00:22:34,040
Speaker 6: my parents want to be involved, and I'm just questioning

491
00:22:34,320 --> 00:22:37,400
Speaker 6: how can I keep this private. I'm doing the best

492
00:22:37,400 --> 00:22:39,399
Speaker 6: that I can, trying to pay as much tax as

493
00:22:39,400 --> 00:22:42,080
Speaker 6: possible and putting all of my cash into the bank.

494
00:22:42,119 --> 00:22:43,640
Speaker 2: But yeah, I have to.

495
00:22:43,560 --> 00:22:45,959
Speaker 6: Be open with these things with mortgage brokers, and I

496
00:22:46,000 --> 00:22:49,119
Speaker 6: don't necessarily want to tell them and my parents that

497
00:22:49,160 --> 00:22:51,160
Speaker 6: I'm a sex worker. Thanks so much.

498
00:22:51,240 --> 00:22:51,520
Speaker 4: Bye.

499
00:22:51,560 --> 00:22:52,120
Speaker 2: What do you reckon?

500
00:22:52,160 --> 00:22:52,360
Speaker 6: Beck?

501
00:22:52,359 --> 00:22:54,000
Speaker 2: I feel like you want to be the first cab

502
00:22:54,040 --> 00:22:55,000
Speaker 2: off the rank to answer this.

503
00:22:55,480 --> 00:22:58,800
Speaker 3: Yes, only because I have a friend who is well

504
00:22:59,040 --> 00:23:00,760
Speaker 3: was in a very similar position.

505
00:23:01,080 --> 00:23:01,760
Speaker 2: She now has home.

506
00:23:03,800 --> 00:23:07,800
Speaker 3: But it's not like organ news because she so she said,

507
00:23:08,440 --> 00:23:11,720
Speaker 3: and this is like, really, this is secondhand information that

508
00:23:11,840 --> 00:23:13,760
Speaker 3: I was was a while ago.

509
00:23:13,800 --> 00:23:14,960
Speaker 2: So I'm probably gonna butcher this.

510
00:23:15,040 --> 00:23:17,639
Speaker 3: But she said she is a sole trader, so she

511
00:23:17,680 --> 00:23:20,520
Speaker 3: does pay tax, she has an ABN. But I don't

512
00:23:20,600 --> 00:23:22,600
Speaker 3: know that you. I mean, I could be wrong, but

513
00:23:22,760 --> 00:23:24,200
Speaker 3: you might not need to say what you do. You

514
00:23:24,280 --> 00:23:25,480
Speaker 3: might just have to be a soul trader.

515
00:23:25,520 --> 00:23:28,359
Speaker 2: I'm not sure. But anyway, for the six months leading

516
00:23:28,440 --> 00:23:31,040
Speaker 2: up to it could have been three or six leading up.

517
00:23:30,920 --> 00:23:34,360
Speaker 3: To actually getting a home loan, she had to get

518
00:23:34,400 --> 00:23:38,040
Speaker 3: a full time job to show that she had what

519
00:23:38,280 --> 00:23:42,399
Speaker 3: consistent income that was through a different Nah.

520
00:23:42,600 --> 00:23:44,280
Speaker 2: I don't know if that's that's the right wall. That's

521
00:23:44,320 --> 00:23:46,840
Speaker 2: like I'm really saying nah, because like I've got heaps

522
00:23:46,880 --> 00:23:48,639
Speaker 2: of clients who are sex workers. Yeah, I don't know

523
00:23:48,680 --> 00:23:51,119
Speaker 2: if you need to be in an issue totally. If

524
00:23:51,160 --> 00:23:54,040
Speaker 2: you're a sex worker, that's a legitimate job, Like it's

525
00:23:54,200 --> 00:23:56,879
Speaker 2: just a job, and will address the other side of it.

526
00:23:56,960 --> 00:23:59,080
Speaker 2: But if you have a job and you are paying

527
00:23:59,200 --> 00:24:02,840
Speaker 2: tax on that job, and you are generating an income,

528
00:24:02,920 --> 00:24:05,600
Speaker 2: and you can prove to me as your broker that

529
00:24:05,720 --> 00:24:09,240
Speaker 2: you have a consistent income over twelve months, I can

530
00:24:09,760 --> 00:24:12,439
Speaker 2: get you alone. It's a non issue. I think the

531
00:24:12,600 --> 00:24:15,120
Speaker 2: issue I can see where she's coming from, Like, if

532
00:24:15,119 --> 00:24:16,760
Speaker 2: this is your job and you haven't told your parents

533
00:24:16,880 --> 00:24:18,760
Speaker 2: or the broker, to be honest, I see that as

534
00:24:18,760 --> 00:24:20,600
Speaker 2: a bit of a red flag, not because you have

535
00:24:20,680 --> 00:24:22,560
Speaker 2: to tell your parents you don't, but more as a

536
00:24:22,560 --> 00:24:26,960
Speaker 2: red flag get a better broker, Like I love the

537
00:24:27,000 --> 00:24:30,080
Speaker 2: people that I work with and have the utmost respect

538
00:24:30,200 --> 00:24:32,960
Speaker 2: for them. And if you don't feel like your broker

539
00:24:33,080 --> 00:24:35,960
Speaker 2: is extending that to you where you don't feel comfortable

540
00:24:36,000 --> 00:24:38,760
Speaker 2: to share the job that you do. Like how weird

541
00:24:38,880 --> 00:24:42,520
Speaker 2: if I went to see a finance professional and said, oh,

542
00:24:42,560 --> 00:24:43,960
Speaker 2: I don't really want to tell them that I'm a

543
00:24:44,000 --> 00:24:47,240
Speaker 2: podcaster like, that's I would never want you to be

544
00:24:47,240 --> 00:24:50,000
Speaker 2: in a situation where we're talking about money, talking about

545
00:24:50,040 --> 00:24:52,320
Speaker 2: creating wealth, talking about getting you in your first home,

546
00:24:52,440 --> 00:24:55,440
Speaker 2: and there's something about your financial situation that you're scared

547
00:24:55,480 --> 00:24:57,960
Speaker 2: to tell me about. Yeah, Like, I'm your broker, it's

548
00:24:57,960 --> 00:25:00,159
Speaker 2: my job to protect you. If your parents want to

549
00:25:00,200 --> 00:25:03,399
Speaker 2: get involved as a guaranteur, I would get on the

550
00:25:03,480 --> 00:25:06,360
Speaker 2: right page with your broker so that they understand where

551
00:25:06,359 --> 00:25:08,359
Speaker 2: it's coming from, because the banks may be going to

552
00:25:08,400 --> 00:25:11,520
Speaker 2: ask questions, not because you're a sex worker, but because

553
00:25:11,520 --> 00:25:14,159
Speaker 2: they might want clarity on oh, it seems like you

554
00:25:14,200 --> 00:25:17,400
Speaker 2: get paid sometimes weekly, sometimes fortnightly, like what's the deal?

555
00:25:17,440 --> 00:25:19,679
Speaker 2: How does that work? Like they might have just clarifying

556
00:25:19,760 --> 00:25:23,280
Speaker 2: questions because it's a genuine source of income, right, But

557
00:25:23,800 --> 00:25:25,440
Speaker 2: if you didn't want to tell your parents, I would

558
00:25:25,440 --> 00:25:28,040
Speaker 2: be sitting down with your broker and saying, Hey, my

559
00:25:28,119 --> 00:25:30,399
Speaker 2: parents want to guarantee my loan. I've told them that

560
00:25:30,480 --> 00:25:33,080
Speaker 2: I do this particular job, or you know, I work

561
00:25:33,119 --> 00:25:35,520
Speaker 2: in retail or I do something else. Yeah, can you

562
00:25:35,600 --> 00:25:38,280
Speaker 2: just not share that information? And they won't because more

563
00:25:38,440 --> 00:25:40,879
Speaker 2: often than not, when you're working with a guaranteur, I

564
00:25:40,920 --> 00:25:44,080
Speaker 2: don't actually need to share information about the person they're guaranteuring.

565
00:25:44,119 --> 00:25:45,880
Speaker 2: I actually need to get a whole heap of information

566
00:25:45,920 --> 00:25:48,800
Speaker 2: from your parents about the asset that they're using to

567
00:25:48,880 --> 00:25:51,600
Speaker 2: underwrite your loan, and what they do and what their

568
00:25:51,640 --> 00:25:53,720
Speaker 2: income is. Like, it's not so much about sharing your

569
00:25:53,760 --> 00:25:56,920
Speaker 2: information with your parents. It's actually the opposite. It's about

570
00:25:56,960 --> 00:25:59,600
Speaker 2: getting information from your parents. So it's good to know.

571
00:26:00,080 --> 00:26:02,560
Speaker 2: I would just find somebody like one of the Zella

572
00:26:02,640 --> 00:26:06,359
Speaker 2: money mortgage brokers who just want to support you, Like

573
00:26:06,840 --> 00:26:09,760
Speaker 2: I love a queen who's just paving your own path

574
00:26:09,760 --> 00:26:14,960
Speaker 2: and getting shit done like iconic. Yeah, completely agree. Just

575
00:26:15,040 --> 00:26:16,520
Speaker 2: what would you do? I have nothing to haden, You're

576
00:26:16,680 --> 00:26:18,399
Speaker 2: honestly like it. It's just a job.

577
00:26:18,760 --> 00:26:20,480
Speaker 4: Yeah, Like I completely agree. Like I think you have

578
00:26:20,520 --> 00:26:22,560
Speaker 4: to tell your broker. I don't really see any world

579
00:26:22,560 --> 00:26:24,880
Speaker 4: in which you don't tell your broker. But you don't

580
00:26:24,920 --> 00:26:25,560
Speaker 4: have to tell you.

581
00:26:25,640 --> 00:26:27,480
Speaker 2: Like if you came to me and you're saying the

582
00:26:27,640 --> 00:26:29,200
Speaker 2: I really want to get a home loan, I'd be like, cool,

583
00:26:29,200 --> 00:26:31,199
Speaker 2: what do you do? And then you're like, oh, well,

584
00:26:31,240 --> 00:26:35,320
Speaker 2: my generating income, I'd be like, how, Like I need

585
00:26:35,320 --> 00:26:38,840
Speaker 2: to make sure that that income is clean and clear

586
00:26:38,920 --> 00:26:41,560
Speaker 2: and going to get you alone. And I'd like, I

587
00:26:41,600 --> 00:26:43,880
Speaker 2: actually just don't care where it comes from as long

588
00:26:43,920 --> 00:26:45,639
Speaker 2: as you're paying tax on it. And I think that

589
00:26:45,640 --> 00:26:48,920
Speaker 2: that's a really good point because in the industry, obviously

590
00:26:48,920 --> 00:26:50,720
Speaker 2: there's like a lot of shame that shouldn't be there,

591
00:26:50,760 --> 00:26:53,359
Speaker 2: there's a lot of judgment that shouldn't be there. But

592
00:26:53,640 --> 00:26:56,200
Speaker 2: you need to find the right finance team that can

593
00:26:56,240 --> 00:26:59,600
Speaker 2: be on your page because hopefully if you're killing it,

594
00:27:00,200 --> 00:27:03,119
Speaker 2: usually with sex work, it's the type of work that

595
00:27:03,520 --> 00:27:05,720
Speaker 2: you need to make hay while the sun's shining, Like

596
00:27:05,920 --> 00:27:08,520
Speaker 2: you're not potentially going to be able to do this

597
00:27:08,960 --> 00:27:12,359
Speaker 2: until you're sixty five and retiring. More often than not,

598
00:27:12,560 --> 00:27:16,480
Speaker 2: I see this industry be quite short. If you're having

599
00:27:16,480 --> 00:27:19,200
Speaker 2: the sunshine and you are making a heap of money

600
00:27:19,240 --> 00:27:21,000
Speaker 2: and buying your first home, I want to make sure

601
00:27:21,040 --> 00:27:23,920
Speaker 2: that we are structuring it properly, making sure that your

602
00:27:23,920 --> 00:27:26,119
Speaker 2: cash flow is looking good, making sure that maybe I

603
00:27:26,160 --> 00:27:28,679
Speaker 2: can get you into a second investment property that you

604
00:27:28,720 --> 00:27:31,800
Speaker 2: can really solidify your wealth now, because like, why are

605
00:27:31,880 --> 00:27:34,520
Speaker 2: you working so hard to not put that money to

606
00:27:34,600 --> 00:27:37,320
Speaker 2: work for you? Absolutely anyway, I just think that you

607
00:27:37,320 --> 00:27:39,560
Speaker 2: should be getting the right people on your team that

608
00:27:39,600 --> 00:27:41,800
Speaker 2: are backing you instead of making you feel like, oh,

609
00:27:41,840 --> 00:27:43,520
Speaker 2: I don't really want to share that. I get the

610
00:27:43,520 --> 00:27:46,119
Speaker 2: parent thing. You don't have to tell anybody anything that

611
00:27:46,160 --> 00:27:47,879
Speaker 2: you don't want to share. Yeah, when it comes to

612
00:27:48,520 --> 00:27:51,280
Speaker 2: a broker, I need to know your stuff and I

613
00:27:51,320 --> 00:27:52,960
Speaker 2: need you to trust me with it. So if you're

614
00:27:52,960 --> 00:27:55,240
Speaker 2: not trusting that broker that you're talking about, get a

615
00:27:55,320 --> 00:27:57,040
Speaker 2: new one, babe, getting you out with the old in

616
00:27:57,119 --> 00:28:01,000
Speaker 2: with a new. Absolutely. Are you guys ready for the DM.

617
00:28:02,240 --> 00:28:03,000
Speaker 4: Today? All right?

618
00:28:03,040 --> 00:28:04,960
Speaker 2: So here's the damn we got. Hey, she's on the money.

619
00:28:05,000 --> 00:28:07,320
Speaker 2: I've been hating on myself a lot lately and need

620
00:28:07,359 --> 00:28:10,520
Speaker 2: your help. I'm finding it really hard to balance my

621
00:28:10,560 --> 00:28:13,560
Speaker 2: budget with my social life. My friends have been organizing

622
00:28:13,600 --> 00:28:16,680
Speaker 2: lots of group catch ups for dinners and birthdays, for example,

623
00:28:16,960 --> 00:28:19,320
Speaker 2: and I get serious fomo and I feel like I

624
00:28:19,400 --> 00:28:21,879
Speaker 2: have to say yes to everything, but every time I

625
00:28:21,920 --> 00:28:24,520
Speaker 2: spend way more than I'd planned, and then I'm left

626
00:28:24,560 --> 00:28:27,840
Speaker 2: scrambling to cover my bills. Last weekend, I ended up

627
00:28:27,840 --> 00:28:30,240
Speaker 2: spending half my bill budget on a night out and

628
00:28:30,280 --> 00:28:32,800
Speaker 2: now I'm really regretting it. The problem is also I

629
00:28:32,800 --> 00:28:35,959
Speaker 2: feel uncomfortable saying no to plans because I can't afford it.

630
00:28:36,400 --> 00:28:38,880
Speaker 2: How can I break this cycle and still have a

631
00:28:38,920 --> 00:28:43,240
Speaker 2: social life. I wonder if this is me that did

632
00:28:43,240 --> 00:28:45,240
Speaker 2: you like have a few too many drinks right into

633
00:28:45,280 --> 00:28:47,360
Speaker 2: your own show and then forget that you did it?

634
00:28:48,240 --> 00:28:48,480
Speaker 4: Yes?

635
00:28:50,240 --> 00:28:51,320
Speaker 2: Why, Yes, that was me.

636
00:28:51,920 --> 00:28:55,600
Speaker 3: Anytime anyone asked me to do any too many soda waters,

637
00:28:55,800 --> 00:28:59,360
Speaker 3: I just cannot not do it, you know, And then

638
00:28:59,400 --> 00:29:03,680
Speaker 3: I end up spa all the money that I maybe

639
00:29:03,800 --> 00:29:06,640
Speaker 3: had plans to do something else with, you know what

640
00:29:06,680 --> 00:29:06,960
Speaker 3: I mean.

641
00:29:07,080 --> 00:29:10,600
Speaker 2: Ye, But it's relatable, like this is not something that

642
00:29:11,120 --> 00:29:15,760
Speaker 2: you know only you're experiencing. Lots of people are like, Oh,

643
00:29:15,800 --> 00:29:18,640
Speaker 2: my friend's birthday is happening, I'm gonna have to go.

644
00:29:19,080 --> 00:29:20,600
Speaker 2: I just think and I feel like we say this

645
00:29:20,680 --> 00:29:20,960
Speaker 2: a lot.

646
00:29:21,080 --> 00:29:27,040
Speaker 3: If your friends aren't kind of like understanding or kind

647
00:29:27,040 --> 00:29:29,320
Speaker 3: of making you feel comfortable in a situation where like

648
00:29:29,560 --> 00:29:31,600
Speaker 3: you can't actually spend money maybe on a birthday present,

649
00:29:31,640 --> 00:29:34,080
Speaker 3: maybe on dinner, maybe on all these things, if they're

650
00:29:34,120 --> 00:29:37,400
Speaker 3: not making you feel like it's okay to still be

651
00:29:37,600 --> 00:29:41,240
Speaker 3: present because your money is not who they're hanging out with,

652
00:29:41,400 --> 00:29:44,200
Speaker 3: it's you. And so if you go like I'll always

653
00:29:44,240 --> 00:29:46,240
Speaker 3: go to dinner if I can't afford it, then either

654
00:29:46,280 --> 00:29:48,760
Speaker 3: someone will pay for me because they're like, hey, you're

655
00:29:48,800 --> 00:29:51,560
Speaker 3: not just gonna sit there and do nothing, Like.

656
00:29:51,600 --> 00:29:54,880
Speaker 2: I'll be like, beck, get in the car, totally, totally.

657
00:29:55,080 --> 00:29:56,880
Speaker 3: I'll let people know in advance, are like, I'm really broke,

658
00:29:56,920 --> 00:29:58,560
Speaker 3: you guys, So I'm gonna come, but I'm gonna eat first,

659
00:29:58,640 --> 00:30:00,560
Speaker 3: or I'm gonna come and i'm gonna order I'm.

660
00:30:00,440 --> 00:30:01,760
Speaker 2: Just gonna have a drink, or I'm gonna have it

661
00:30:01,840 --> 00:30:03,600
Speaker 2: on a tray, or we're.

662
00:30:03,240 --> 00:30:06,520
Speaker 3: Gonna pick at everyone else's dinner, which is very annoying.

663
00:30:07,760 --> 00:30:09,760
Speaker 2: Are you a seagull like you go and you just

664
00:30:09,840 --> 00:30:12,000
Speaker 2: steal a chip? You're like, I am. I don't want

665
00:30:12,000 --> 00:30:12,560
Speaker 2: to be a scam.

666
00:30:12,680 --> 00:30:15,200
Speaker 4: Sometimes I am, but people don't always like I never

667
00:30:15,240 --> 00:30:17,360
Speaker 4: finish my meals a restaurants because they're always so big,

668
00:30:17,400 --> 00:30:19,720
Speaker 4: and I'm always saying to everyone, hey, like do you

669
00:30:19,720 --> 00:30:22,320
Speaker 4: want to eat go halves on something.

670
00:30:22,320 --> 00:30:24,360
Speaker 2: I mean, I don't think the strategy is go and

671
00:30:24,440 --> 00:30:26,400
Speaker 2: expect other people to pay it for you, or go

672
00:30:26,480 --> 00:30:32,240
Speaker 2: and scab chips. But will always but I like the audacity.

673
00:30:32,320 --> 00:30:35,280
Speaker 2: You're like, I'm going I just I will be eating

674
00:30:35,280 --> 00:30:37,040
Speaker 2: your tube and I carry.

675
00:30:36,840 --> 00:30:40,280
Speaker 4: That we give your presence is the exactly.

676
00:30:40,600 --> 00:30:43,400
Speaker 3: It's just a felt like bonding with your friends and

677
00:30:43,600 --> 00:30:45,880
Speaker 3: just chun ship and that you know, just like having

678
00:30:45,960 --> 00:30:48,520
Speaker 3: a good time, good time and like As for gifts

679
00:30:48,560 --> 00:30:52,240
Speaker 3: and stuff, just honestly I think gifts.

680
00:30:51,920 --> 00:30:55,440
Speaker 2: Oh my gosh, actually that's so funny. I have side note.

681
00:30:55,480 --> 00:30:58,480
Speaker 2: We will answer this, but have you guys seen the

682
00:30:58,640 --> 00:31:02,800
Speaker 2: absolute junk the Abby Chatfield is getting online at the

683
00:31:02,800 --> 00:31:06,719
Speaker 2: moment because she posted that, you know, this whole idea

684
00:31:06,800 --> 00:31:08,920
Speaker 2: of paying to go to someone's wedding, Like, you know,

685
00:31:08,960 --> 00:31:10,640
Speaker 2: if you go to someone's wedding, there seems to be

686
00:31:10,680 --> 00:31:14,240
Speaker 2: this unspoken rule of you know, covering what it would

687
00:31:14,240 --> 00:31:15,840
Speaker 2: have cost the bride and groom, which I think is

688
00:31:15,880 --> 00:31:18,360
Speaker 2: unhinged and absolutely not Like I could go on a

689
00:31:18,360 --> 00:31:20,600
Speaker 2: massive rant about this because I think it is wildly

690
00:31:20,640 --> 00:31:23,560
Speaker 2: inappropriate to have an event where you expect someone to

691
00:31:23,600 --> 00:31:27,160
Speaker 2: pay for a gift or pay you for attending your event,

692
00:31:27,320 --> 00:31:29,800
Speaker 2: like that is my wedding that I have chosen to

693
00:31:29,840 --> 00:31:32,320
Speaker 2: have anyway. Complete side know, I'll probably go on a

694
00:31:32,400 --> 00:31:34,560
Speaker 2: rount on TikTok or something about it at some point soon,

695
00:31:35,200 --> 00:31:40,120
Speaker 2: but she's getting so much crap. Is the presence of

696
00:31:40,160 --> 00:31:42,680
Speaker 2: you being there, not the present. I agree, I agree,

697
00:31:42,720 --> 00:31:45,480
Speaker 2: and I don't. I know, there's lots of cultural things, right, Like,

698
00:31:45,560 --> 00:31:47,440
Speaker 2: there's lots of layers to this, and if in your

699
00:31:47,480 --> 00:31:51,080
Speaker 2: culture giving gifts makes sense to you, fantastic. But at

700
00:31:51,120 --> 00:31:54,160
Speaker 2: a base level, no human being should be expected to

701
00:31:54,200 --> 00:31:57,400
Speaker 2: part with their finances to appease somebody else.

702
00:31:57,600 --> 00:32:02,640
Speaker 3: If your two options are deep and completely like uncomfortable

703
00:32:02,680 --> 00:32:07,440
Speaker 3: anxiety about money, or just not see someone that you

704
00:32:07,520 --> 00:32:10,480
Speaker 3: really love get married on the biggest day of their life,

705
00:32:10,520 --> 00:32:12,880
Speaker 3: like arguably one of the biggest days of their life,

706
00:32:12,920 --> 00:32:15,000
Speaker 3: if that's very important to them. You know what do

707
00:32:15,000 --> 00:32:18,280
Speaker 3: you choose? Like you're like loos like lose lose, Yeah,

708
00:32:18,320 --> 00:32:20,280
Speaker 3: And I just don't think sho put that pressure on

709
00:32:20,520 --> 00:32:24,160
Speaker 3: someone you know, who's just mind their own business totally. Anyway,

710
00:32:24,200 --> 00:32:28,800
Speaker 3: back to fomo fomo spending back Apart from scabbing chips,

711
00:32:28,840 --> 00:32:29,920
Speaker 3: how are you tackling it?

712
00:32:30,040 --> 00:32:32,960
Speaker 2: Or should be asked, yes, yeah, honestly, that's it for me.

713
00:32:33,000 --> 00:32:35,280
Speaker 2: I just think that that's it from me. You should

714
00:32:35,280 --> 00:32:36,800
Speaker 2: probably scab some chips.

715
00:32:36,520 --> 00:32:39,560
Speaker 3: Scab chips, talk to your friends, just try and show up,

716
00:32:39,680 --> 00:32:42,720
Speaker 3: and you don't you don't have to spend money.

717
00:32:43,080 --> 00:32:45,400
Speaker 2: Be you. That's why you've been in finance.

718
00:32:45,960 --> 00:32:48,000
Speaker 3: Actually, no, I was going to say, send your money

719
00:32:48,040 --> 00:32:49,880
Speaker 3: to someone else. Want to be friends that you really trust,

720
00:32:49,920 --> 00:32:51,200
Speaker 3: and that's what I've been doing, sending it.

721
00:32:51,560 --> 00:32:54,760
Speaker 2: That's a terrible idea. I know that. Okay, I'm not

722
00:32:54,840 --> 00:32:59,800
Speaker 2: sending money to friends like I cannot guarantee somewhere or

723
00:33:00,280 --> 00:33:02,960
Speaker 2: or let's just get good at budget cash flow. I'm

724
00:33:02,960 --> 00:33:04,960
Speaker 2: going to teach you. You have me. I'm going to

725
00:33:04,960 --> 00:33:07,320
Speaker 2: put you in the best possible position. Yeah, we're going

726
00:33:07,360 --> 00:33:09,440
Speaker 2: to do that. It's a better idea, But I do

727
00:33:09,440 --> 00:33:13,160
Speaker 2: do not give your money to a random person, Jessica

728
00:33:13,640 --> 00:33:15,479
Speaker 2: for most spending, how are you dealing with it? I'm

729
00:33:15,520 --> 00:33:16,320
Speaker 2: going to give you a bit of.

730
00:33:16,320 --> 00:33:21,040
Speaker 4: Tough love and just say deciding to spend money on

731
00:33:21,160 --> 00:33:24,800
Speaker 4: dinner or drinks. As much as I completely understand the

732
00:33:24,840 --> 00:33:27,320
Speaker 4: desire to fit in in the desire like I fully

733
00:33:27,520 --> 00:33:30,640
Speaker 4: empathize with that, as you said, we've all experienced it,

734
00:33:30,640 --> 00:33:33,840
Speaker 4: it is simply a bad choice if you're compromising. If

735
00:33:33,880 --> 00:33:36,800
Speaker 4: you go I can either pay my rent or pay

736
00:33:36,840 --> 00:33:40,719
Speaker 4: for steak dinner with the girls. It's a bad choice

737
00:33:41,040 --> 00:33:43,600
Speaker 4: to elect and that, like to me, that's very black

738
00:33:43,600 --> 00:33:45,920
Speaker 4: and white. I know that's very harsh and very mean.

739
00:33:46,320 --> 00:33:46,840
Speaker 4: Do we need.

740
00:33:46,760 --> 00:33:49,240
Speaker 2: A tough love though, to kick us in the right direction.

741
00:33:49,320 --> 00:33:52,440
Speaker 4: I don't mean to be mean, but genuinely, I think

742
00:33:52,680 --> 00:33:55,120
Speaker 4: I understand, and like as I you know, you all know,

743
00:33:55,280 --> 00:33:57,320
Speaker 4: I have had debt myself, and I've been there, and

744
00:33:57,360 --> 00:34:00,480
Speaker 4: I totally get it, and I think you genuinely have

745
00:34:00,640 --> 00:34:03,520
Speaker 4: to do some internal work to get past that. I

746
00:34:03,560 --> 00:34:08,239
Speaker 4: think it's generally speaking, deeply rooted in your psychology. The

747
00:34:08,360 --> 00:34:11,239
Speaker 4: culture of your friendship group as well, I think contributes

748
00:34:11,280 --> 00:34:13,680
Speaker 4: a lot to that. And I understand that it is

749
00:34:14,320 --> 00:34:17,320
Speaker 4: sometimes embarrassing to say to somebody, Oh, I'm really sorry,

750
00:34:17,360 --> 00:34:20,040
Speaker 4: like I can't afford to do this, or I'm going

751
00:34:20,120 --> 00:34:22,720
Speaker 4: to come, but I can't get a round of drinks

752
00:34:22,719 --> 00:34:24,640
Speaker 4: for everyone if you're all taking turns or.

753
00:34:24,640 --> 00:34:25,600
Speaker 2: Whatever that looks like.

754
00:34:25,680 --> 00:34:28,960
Speaker 4: I understand that you can feel a little bit like, oh,

755
00:34:29,000 --> 00:34:30,560
Speaker 4: like everyone else is doing it and I don't want

756
00:34:30,560 --> 00:34:31,320
Speaker 4: to look like an idiot.

757
00:34:32,480 --> 00:34:34,040
Speaker 2: Yeah, And then you make it worse in your head,

758
00:34:34,080 --> 00:34:35,520
Speaker 2: and then you don't sleep the night before.

759
00:34:36,440 --> 00:34:39,080
Speaker 4: The anxietity builds up and builds up and builds up.

760
00:34:39,280 --> 00:34:40,799
Speaker 4: But I think the two things that you need to

761
00:34:40,800 --> 00:34:44,560
Speaker 4: do the groundwork. Are one being open with your friends

762
00:34:44,560 --> 00:34:46,440
Speaker 4: and the people around you, because if they love you

763
00:34:46,520 --> 00:34:49,399
Speaker 4: and they are your friends, exactly as Beck said, they're

764
00:34:49,400 --> 00:34:52,080
Speaker 4: going to find they just want you there. They don't care.

765
00:34:52,160 --> 00:34:54,440
Speaker 2: I didn't invite you for dinner because I want to

766
00:34:54,480 --> 00:34:56,640
Speaker 2: send you into personal debt. I invited you for dinner

767
00:34:56,680 --> 00:34:58,200
Speaker 2: because I think you're cool and I want to hang

768
00:34:58,239 --> 00:34:58,680
Speaker 2: out more.

769
00:34:59,080 --> 00:35:02,080
Speaker 4: Yeah, absolutely can find ways to participate in that, as

770
00:35:02,120 --> 00:35:04,840
Speaker 4: you said, whether it's electing for just a small startup,

771
00:35:04,960 --> 00:35:08,520
Speaker 4: or splitting with a friend, or even just having a drink.

772
00:35:08,600 --> 00:35:10,400
Speaker 4: Like I know that it's not as fun and it

773
00:35:10,440 --> 00:35:13,480
Speaker 4: can make you feel a little bit ostracized. But if

774
00:35:13,480 --> 00:35:16,719
Speaker 4: you really can't cope with the feeling of missing out,

775
00:35:17,080 --> 00:35:20,000
Speaker 4: then your options are find a way to do it affordably,

776
00:35:20,280 --> 00:35:21,920
Speaker 4: or let's do a little bit of work and be

777
00:35:22,000 --> 00:35:24,719
Speaker 4: okay with missing out on things. Sometimes I know that

778
00:35:24,760 --> 00:35:26,759
Speaker 4: I'm a real introvert, and so it probably comes a

779
00:35:26,800 --> 00:35:27,560
Speaker 4: lot easier to me.

780
00:35:28,040 --> 00:35:31,719
Speaker 2: You're like, oh, no, I can't go. That must be

781
00:35:32,160 --> 00:35:33,160
Speaker 2: so terrible.

782
00:35:33,520 --> 00:35:35,640
Speaker 4: Yeah, Sam's front door and runs back to the couch,

783
00:35:36,040 --> 00:35:38,240
Speaker 4: jumps in blanket on fuzzy socks.

784
00:35:38,280 --> 00:35:40,600
Speaker 2: Cat Online you're like, oh, yeah, no V, I'm crying.

785
00:35:40,960 --> 00:35:41,960
Speaker 2: I'm really sorry.

786
00:35:42,120 --> 00:35:44,080
Speaker 4: But I think like there is also something to be

787
00:35:44,160 --> 00:35:48,160
Speaker 4: said for being comfortable enough in yourself and in your

788
00:35:48,200 --> 00:35:50,080
Speaker 4: friends to go okay. I get that they're going to

789
00:35:50,160 --> 00:35:51,920
Speaker 4: have fun, and I'm happy that they're going to have fun,

790
00:35:52,160 --> 00:35:53,880
Speaker 4: but also like, if it's not on the cards for

791
00:35:53,920 --> 00:35:56,720
Speaker 4: me this week financially, I can have a good time

792
00:35:56,800 --> 00:35:58,880
Speaker 4: by myself, or I can have a good time and

793
00:35:58,920 --> 00:36:01,000
Speaker 4: have a friend come to my place and we buy

794
00:36:01,040 --> 00:36:03,319
Speaker 4: a three dollar bag of popcorn and we watch a

795
00:36:03,320 --> 00:36:06,440
Speaker 4: movie at home and we do something that way. I

796
00:36:06,480 --> 00:36:10,080
Speaker 4: think like finding ways to still be social but not

797
00:36:10,160 --> 00:36:13,719
Speaker 4: spend a lot of money is probably striking the right balance.

798
00:36:13,800 --> 00:36:17,560
Speaker 4: And as I said, like it's hard to hear, but

799
00:36:17,600 --> 00:36:20,479
Speaker 4: it requires a bit of work on you and why

800
00:36:20,520 --> 00:36:22,680
Speaker 4: you're responding to the way that things you know that

801
00:36:22,719 --> 00:36:24,839
Speaker 4: you are and why you are feeling these ways, And

802
00:36:25,200 --> 00:36:27,840
Speaker 4: like sometimes that means go on a therapy, or sometimes

803
00:36:27,840 --> 00:36:30,560
Speaker 4: that means just like reflecting a little bit on what's

804
00:36:30,560 --> 00:36:33,759
Speaker 4: triggering those feelings and thoughts. But yeah, ultimately I want

805
00:36:33,760 --> 00:36:35,480
Speaker 4: to say, as someone who has been there, it is

806
00:36:35,560 --> 00:36:38,279
Speaker 4: not worth putting yourself in a financial pit. Because you

807
00:36:38,280 --> 00:36:40,359
Speaker 4: don't want to miss out on a good time. It's

808
00:36:40,400 --> 00:36:41,800
Speaker 4: just not it's.

809
00:36:41,480 --> 00:36:43,440
Speaker 2: Genuinely not I say that with love. I don't know.

810
00:36:43,520 --> 00:36:47,440
Speaker 2: I'm sorry, don't really mean. Jess is literally the last

811
00:36:47,480 --> 00:36:49,759
Speaker 2: person that's going to be nasty me. On the other hand,

812
00:36:49,840 --> 00:36:53,040
Speaker 2: when it comes to love, I also think it's about

813
00:36:53,080 --> 00:36:56,480
Speaker 2: shifting your mindsets. So saying oh, I can't afford that

814
00:36:56,719 --> 00:36:59,280
Speaker 2: is very different to that's currently not in my budget.

815
00:37:00,239 --> 00:37:02,200
Speaker 2: And I think that we need to be empowered by

816
00:37:02,239 --> 00:37:05,560
Speaker 2: these conversations of making good money decisions, because future you

817
00:37:05,760 --> 00:37:08,120
Speaker 2: was going to thank you being able to say, oh,

818
00:37:08,120 --> 00:37:11,040
Speaker 2: that's just not in my budget this week. Like it's

819
00:37:11,160 --> 00:37:13,520
Speaker 2: so like and we've spoken about this on the show before.

820
00:37:13,600 --> 00:37:16,280
Speaker 2: Beck you mentioned it maybe like two or three episodes

821
00:37:16,320 --> 00:37:19,239
Speaker 2: ago on a Friday, and you said, I hate when

822
00:37:19,280 --> 00:37:22,760
Speaker 2: someone says, oh, i'm broke, I'll have to dip into savings,

823
00:37:22,840 --> 00:37:25,280
Speaker 2: and you're like, well, that's not relatable at all, because

824
00:37:25,920 --> 00:37:28,120
Speaker 2: when I say I'm broke, I mean I have four

825
00:37:28,200 --> 00:37:30,920
Speaker 2: cents in my bank account and I literally can't do it.

826
00:37:30,960 --> 00:37:33,719
Speaker 2: I'm not dipping into savings. And I think that it's

827
00:37:33,800 --> 00:37:37,520
Speaker 2: about articulating things clearly, Whereas Becky if you said, oh,

828
00:37:37,560 --> 00:37:39,480
Speaker 2: that's not in my budget, that's kind of alluding to

829
00:37:39,520 --> 00:37:41,879
Speaker 2: maybe it's not in the budget that I've allocated for

830
00:37:42,080 --> 00:37:44,600
Speaker 2: those activities this week, or it's not in the budget

831
00:37:44,600 --> 00:37:47,080
Speaker 2: because I'm saving for a holiday. Like it doesn't necessarily

832
00:37:48,000 --> 00:37:50,120
Speaker 2: mean that you have to open the can of worms

833
00:37:50,120 --> 00:37:52,799
Speaker 2: of sharing your entire financial life. And I think that

834
00:37:53,160 --> 00:37:56,440
Speaker 2: when we talk about personal finance, it can actually be

835
00:37:56,640 --> 00:37:59,239
Speaker 2: as personal or not personal as you want it to be.

836
00:37:59,640 --> 00:38:01,640
Speaker 2: Like I could have and I do. I have these

837
00:38:01,680 --> 00:38:05,200
Speaker 2: conversations all the time with you guys. I talk about spending,

838
00:38:05,239 --> 00:38:09,600
Speaker 2: I talk about my values. Nobody at this table, nobody

839
00:38:09,640 --> 00:38:12,560
Speaker 2: in our community knows how much I earn, how much

840
00:38:12,600 --> 00:38:15,879
Speaker 2: I spend, exactly what I own and exactly what I owe.

841
00:38:16,080 --> 00:38:19,319
Speaker 2: None of you know that because that's a boundary that

842
00:38:19,400 --> 00:38:22,880
Speaker 2: I've drawn and gone, well, actually, that's just not stuff

843
00:38:22,880 --> 00:38:25,520
Speaker 2: that I'm willing to share on the show. And there's

844
00:38:25,800 --> 00:38:28,600
Speaker 2: a number of reasons for that, one of them being

845
00:38:28,680 --> 00:38:30,600
Speaker 2: because I know that a lot of what I do

846
00:38:30,719 --> 00:38:33,040
Speaker 2: is not that relatable. Now I'm at a different stage,

847
00:38:33,120 --> 00:38:35,840
Speaker 2: and I have been there. I've been in forty thousand

848
00:38:35,880 --> 00:38:38,120
Speaker 2: dollars worth of personal debt when my income was sixty

849
00:38:38,200 --> 00:38:41,040
Speaker 2: thousand dollars. I could not sleep because of debt, because

850
00:38:41,120 --> 00:38:44,520
Speaker 2: I had FOMO, because I wanted to study overseas, because

851
00:38:44,560 --> 00:38:46,360
Speaker 2: I wanted to buy a car that I couldn't afford,

852
00:38:46,400 --> 00:38:48,280
Speaker 2: because I wanted to go out for dinner with my friends.

853
00:38:48,280 --> 00:38:51,000
Speaker 2: So I know you because I was you. So when

854
00:38:51,000 --> 00:38:52,799
Speaker 2: I'm giving advice, it's not because I'm now in a

855
00:38:52,800 --> 00:38:55,160
Speaker 2: good financial position. It's because I had to pull my

856
00:38:55,280 --> 00:38:57,719
Speaker 2: socks up and get myself out of that debt and

857
00:38:57,760 --> 00:39:00,000
Speaker 2: start saying no to things. And by being able to say,

858
00:39:00,000 --> 00:39:02,600
Speaker 2: I know, to things, I was saying yes to opportunity

859
00:39:02,840 --> 00:39:05,080
Speaker 2: and yes to being in a little bit more and

860
00:39:05,400 --> 00:39:07,840
Speaker 2: you know, even being able to be given the space

861
00:39:07,840 --> 00:39:09,600
Speaker 2: to think about my career, to think about what I

862
00:39:09,640 --> 00:39:12,439
Speaker 2: wanted to do. I just ended up in a better

863
00:39:12,480 --> 00:39:15,680
Speaker 2: position because I finally started sharing my journey and saying

864
00:39:15,680 --> 00:39:18,080
Speaker 2: to my friends, oh, actually I can't do that, Jess.

865
00:39:18,120 --> 00:39:20,840
Speaker 2: I need to save or I need to you know,

866
00:39:21,360 --> 00:39:23,360
Speaker 2: put some money into my debt, or I need to

867
00:39:23,360 --> 00:39:26,720
Speaker 2: do whatever it is. It was scary at the start,

868
00:39:26,960 --> 00:39:29,560
Speaker 2: but do you know what happened. It was like a snowball.

869
00:39:29,880 --> 00:39:31,839
Speaker 2: I started getting out of debt, but At the same time,

870
00:39:31,920 --> 00:39:34,479
Speaker 2: I was collecting stories from friends where I'd be like, oh,

871
00:39:34,600 --> 00:39:37,560
Speaker 2: for example, Jess, like, actually, I can't go out for dinner,

872
00:39:37,760 --> 00:39:40,080
Speaker 2: like I haven't been sleeping well because I've got this

873
00:39:40,160 --> 00:39:42,560
Speaker 2: debt and it's just really stressing me. Someone like Jess

874
00:39:42,560 --> 00:39:44,480
Speaker 2: would have turned around if we'd been friends while I

875
00:39:44,520 --> 00:39:47,520
Speaker 2: was in debt, like, oh my god, me too far out?

876
00:39:48,040 --> 00:39:52,279
Speaker 2: Do you know how empowering those conversations are when someone goes, oh,

877
00:39:52,320 --> 00:39:58,240
Speaker 2: me too, like I can almost guarantee that because humans

878
00:39:58,320 --> 00:40:01,360
Speaker 2: usually keep the same company, right like Beck, I'm assuming

879
00:40:01,400 --> 00:40:04,800
Speaker 2: that your very close friend group, similar values, similar morals,

880
00:40:05,160 --> 00:40:09,319
Speaker 2: just same me say, the second you start sharing small things,

881
00:40:09,360 --> 00:40:12,680
Speaker 2: it gives permission to other people to share their small things.

882
00:40:12,840 --> 00:40:15,399
Speaker 2: And instead of me going, oh, Jez, like, we've got

883
00:40:15,440 --> 00:40:17,520
Speaker 2: you know, Stef's birthday dinner soon and I just I

884
00:40:17,520 --> 00:40:18,719
Speaker 2: don't know how I'm going to afford it.

885
00:40:19,000 --> 00:40:19,520
Speaker 4: Oh my god.

886
00:40:19,560 --> 00:40:23,319
Speaker 2: There I was thinking the same thing. Those conversations can

887
00:40:23,400 --> 00:40:26,640
Speaker 2: become empowering, and I know that they feel like trash

888
00:40:26,680 --> 00:40:28,520
Speaker 2: at the beginning, because you're like, I don't know how

889
00:40:28,600 --> 00:40:30,239
Speaker 2: Jess is going to take this. I don't know what

890
00:40:30,280 --> 00:40:32,080
Speaker 2: she's going to say to me. Maybe she'll judge me.

891
00:40:32,480 --> 00:40:34,880
Speaker 2: I promise no good friend is going to judge you,

892
00:40:35,200 --> 00:40:37,359
Speaker 2: and I live and die by this quote. No one

893
00:40:37,440 --> 00:40:39,440
Speaker 2: doing more than you will ever speak less of you,

894
00:40:40,239 --> 00:40:43,160
Speaker 2: and if they do, they're out. So that's where I

895
00:40:43,239 --> 00:40:47,200
Speaker 2: will leave that one powerful but literally, nobody doing more

896
00:40:47,280 --> 00:40:49,080
Speaker 2: than you will ever speak less of you?

897
00:40:49,960 --> 00:40:50,480
Speaker 1: So true?

898
00:40:50,719 --> 00:40:51,759
Speaker 4: What did everybody else say?

899
00:40:51,800 --> 00:40:54,040
Speaker 2: All right? So the community, we obviously said, what's your

900
00:40:54,040 --> 00:40:56,360
Speaker 2: two cents? We said, do you ever fall victim to

901
00:40:56,400 --> 00:41:01,279
Speaker 2: fomo spending? Fourteen percent of you unrelated content, Nope, I'm

902
00:41:01,320 --> 00:41:04,640
Speaker 2: a budget queen. Okay, did you click.

903
00:41:04,440 --> 00:41:07,279
Speaker 4: That I have a phomo spender sometimes?

904
00:41:07,920 --> 00:41:10,319
Speaker 2: Fifty six percent of you said sometimes it gets me,

905
00:41:10,400 --> 00:41:13,320
Speaker 2: but I'm trying hard to resist. Just click to that one,

906
00:41:13,520 --> 00:41:15,560
Speaker 2: and twenty nine percent of you said, all the time.

907
00:41:15,640 --> 00:41:19,920
Speaker 2: The struggle is really real. I click that one. Then

908
00:41:19,960 --> 00:41:22,440
Speaker 2: we asked what's harder saying no to fomo spending or

909
00:41:22,560 --> 00:41:26,040
Speaker 2: the financial stress? Afterwards, thirty one percent of you said

910
00:41:26,160 --> 00:41:28,800
Speaker 2: the hardest thing is saying no to fomo, but sixty

911
00:41:28,880 --> 00:41:32,360
Speaker 2: nine percent of you said it's harder dealing with the

912
00:41:32,440 --> 00:41:34,160
Speaker 2: financial stress after spending.

913
00:41:34,800 --> 00:41:37,920
Speaker 4: The fallout is hard the fallout and it deals with

914
00:41:37,960 --> 00:41:39,239
Speaker 4: it exactly.

915
00:41:39,440 --> 00:41:41,960
Speaker 2: So then we said, all right, give us your two cents.

916
00:41:42,640 --> 00:41:45,640
Speaker 2: Someone said, do a sober month challenge with a friend.

917
00:41:45,680 --> 00:41:48,200
Speaker 2: You're going to save some cash, increase your health, and

918
00:41:48,360 --> 00:41:50,440
Speaker 2: it makes you get creative with your catch up ideas.

919
00:41:50,640 --> 00:41:53,160
Speaker 2: Love it kind of cute. Someone else said, at the

920
00:41:53,239 --> 00:41:55,160
Speaker 2: end of the day, your friends aren't paying your bills.

921
00:41:55,280 --> 00:41:59,279
Speaker 2: It's true, true, savage. Someone said, the only thing we'll

922
00:41:59,280 --> 00:42:01,680
Speaker 2: remember when we are old are the memories we make.

923
00:42:01,880 --> 00:42:06,200
Speaker 2: Money comes and goes. So true. Yes, that was me

924
00:42:07,239 --> 00:42:11,000
Speaker 2: that someone else said. I give in not from fomo,

925
00:42:11,080 --> 00:42:14,200
Speaker 2: but more from fear of being perceived as cheap or stingy.

926
00:42:15,120 --> 00:42:18,759
Speaker 4: But let's tell you, I hate that that is a thing.

927
00:42:19,480 --> 00:42:22,960
Speaker 4: Get rid of it, like be the cheap friend. Maybe

928
00:42:23,000 --> 00:42:25,080
Speaker 4: I'm the cheap friend. But like I don't think that

929
00:42:25,120 --> 00:42:26,080
Speaker 4: it's a bad thing.

930
00:42:26,320 --> 00:42:29,200
Speaker 2: No, not absolutely not. I think it's been the smart brand,

931
00:42:29,280 --> 00:42:31,960
Speaker 2: smart with money. Yes, like I think if we sat

932
00:42:32,040 --> 00:42:34,319
Speaker 2: down and you know, you know how you sometimes tell

933
00:42:34,360 --> 00:42:36,440
Speaker 2: your friends good things, like we've done this before, like

934
00:42:36,520 --> 00:42:39,879
Speaker 2: it just remember this is so unrelatable. But remember when

935
00:42:39,880 --> 00:42:43,160
Speaker 2: we had our dinner party in New York. So unrelatable.

936
00:42:43,480 --> 00:42:45,719
Speaker 2: But we had a friends giving dinner and anyone could

937
00:42:45,760 --> 00:42:48,120
Speaker 2: do this right. We had friends giving and the plan

938
00:42:48,320 --> 00:42:50,920
Speaker 2: was to have a really nice meal, home cooked meal together,

939
00:42:51,400 --> 00:42:54,360
Speaker 2: and we went around the table and we shared things

940
00:42:54,360 --> 00:42:56,640
Speaker 2: that we thought were inspirational about each other, things that

941
00:42:56,719 --> 00:42:59,320
Speaker 2: were grateful for each other for and it was literally

942
00:42:59,320 --> 00:43:01,920
Speaker 2: the most wholesome evening of my entire life in Chai night.

943
00:43:02,040 --> 00:43:04,560
Speaker 2: But I can always guarantee not one person if you

944
00:43:04,600 --> 00:43:07,799
Speaker 2: had all your friends in a room, if we said, oh,

945
00:43:08,360 --> 00:43:10,400
Speaker 2: what do we think is really great about Beck, not

946
00:43:10,480 --> 00:43:13,640
Speaker 2: one person is ever going to immediately go bit cheap.

947
00:43:14,680 --> 00:43:17,799
Speaker 2: Like They're literally going to say really kind things. They're

948
00:43:17,800 --> 00:43:19,920
Speaker 2: going to be like, oh, Jess is really resourceful. I

949
00:43:19,960 --> 00:43:22,120
Speaker 2: do not think of you as stingy or cheap. But

950
00:43:22,160 --> 00:43:24,000
Speaker 2: then when you are like oh, v I could give

951
00:43:24,000 --> 00:43:25,719
Speaker 2: you a list of examples, they'd be like, yeah, I

952
00:43:25,719 --> 00:43:27,880
Speaker 2: thought that was just you being smart. Yeah, Like I

953
00:43:27,920 --> 00:43:29,840
Speaker 2: just thought that you were good with money. I just

954
00:43:29,840 --> 00:43:32,040
Speaker 2: thought that you were actually intelligent and you were an

955
00:43:32,080 --> 00:43:34,359
Speaker 2: investor and you're probably going to be richer than me, Like,

956
00:43:34,560 --> 00:43:36,359
Speaker 2: is that not what's going on here? Yeah?

957
00:43:36,400 --> 00:43:38,879
Speaker 3: I've never ever with your any of my friends who

958
00:43:38,880 --> 00:43:40,640
Speaker 3: are really really good with their money. I've never thought

959
00:43:40,760 --> 00:43:44,000
Speaker 3: stingy cheap time. But like, I think there's definitely difference

960
00:43:44,000 --> 00:43:46,160
Speaker 3: between if you are the kind of person that is

961
00:43:46,800 --> 00:43:49,719
Speaker 3: taking the benefits of what everyone buying rounds, but you're

962
00:43:49,760 --> 00:43:54,800
Speaker 3: not buying them because it's not like, yeah, you're like

963
00:43:54,840 --> 00:43:56,760
Speaker 3: me and still a n's just don't buy anyone anything.

964
00:43:56,920 --> 00:43:59,680
Speaker 3: But yeah that those who are completely different what you

965
00:43:59,680 --> 00:44:02,399
Speaker 3: know this person could do and what you're doing. Jess

966
00:44:02,480 --> 00:44:06,480
Speaker 3: is obviously uv extremely smart, extremely admirable.

967
00:44:06,880 --> 00:44:09,480
Speaker 4: Yeah, don't they things and not reciprocate, but you don't.

968
00:44:09,560 --> 00:44:11,400
Speaker 4: You can find other ways to participate.

969
00:44:11,719 --> 00:44:16,440
Speaker 2: Yeah, calling someone stingy is moreover a reflection of you

970
00:44:16,520 --> 00:44:19,280
Speaker 2: and your values than of them and what they're doing.

971
00:44:19,400 --> 00:44:22,879
Speaker 2: Like if I said, oh, Victoria's stingy, I think that

972
00:44:23,000 --> 00:44:26,040
Speaker 2: just is a narrative that I've built in my head

973
00:44:26,280 --> 00:44:29,480
Speaker 2: that maybe I feel stingy when I do something like that.

974
00:44:29,520 --> 00:44:32,880
Speaker 2: But you never know someone's goals or motivations for doing something,

975
00:44:33,000 --> 00:44:35,319
Speaker 2: Like if Jess is like, oh, for example, you know

976
00:44:35,360 --> 00:44:37,719
Speaker 2: you might call your friend stingy if they're like, oh, no,

977
00:44:37,800 --> 00:44:39,640
Speaker 2: I don't want to split it. Equally, I actually want

978
00:44:39,680 --> 00:44:42,319
Speaker 2: to just pay for my items. You might think, or

979
00:44:42,360 --> 00:44:45,719
Speaker 2: someone might think, oh, that's real cheap. But Jess might

980
00:44:45,760 --> 00:44:47,799
Speaker 2: be thinking, oh, but Beck's not going to want to

981
00:44:47,840 --> 00:44:49,120
Speaker 2: do that, So I'm going to be the one that

982
00:44:49,160 --> 00:44:51,560
Speaker 2: speaks up. So she's not even the stingy friend. She

983
00:44:51,640 --> 00:44:53,400
Speaker 2: just knows that Beck only wants to pay for her

984
00:44:53,400 --> 00:44:55,839
Speaker 2: soda water and doesn't want to pay for my champagne.

985
00:44:55,880 --> 00:44:59,520
Speaker 2: You know, so she's fair one hundred percent. But like

986
00:44:59,600 --> 00:45:01,920
Speaker 2: you never I know why someone's bringing that up. And

987
00:45:01,960 --> 00:45:04,600
Speaker 2: if your default is thinking that Jess is being stingy

988
00:45:04,640 --> 00:45:07,279
Speaker 2: by making that comment, Babe, that says more about you

989
00:45:07,320 --> 00:45:08,960
Speaker 2: than it does about Jess's motivations.

990
00:45:09,280 --> 00:45:11,080
Speaker 4: Again, you need to do some work on yourself, do.

991
00:45:11,000 --> 00:45:14,479
Speaker 2: Some internal work, friend. Someone else said, and I thought

992
00:45:14,480 --> 00:45:17,080
Speaker 2: this was really smart. They said, I've actually started a

993
00:45:17,080 --> 00:45:19,719
Speaker 2: FOMO savings account. My goal is to get to two

994
00:45:19,719 --> 00:45:22,600
Speaker 2: grand before I'm allowed to start using it. Ah. I

995
00:45:22,800 --> 00:45:25,120
Speaker 2: like that she's like, oh, I'm really bad at her

996
00:45:25,960 --> 00:45:29,319
Speaker 2: a budget gone. Someone else said. For me, it's not

997
00:45:29,320 --> 00:45:32,480
Speaker 2: the pomo, it's feeling guilty for not being there. I

998
00:45:32,480 --> 00:45:35,120
Speaker 2: feel like I've let my friend down. I get that.

999
00:45:35,120 --> 00:45:37,479
Speaker 2: That's why turning up and having a little soda water

1000
00:45:37,600 --> 00:45:41,520
Speaker 2: instead just be there. Absolutely, like I was talking to

1001
00:45:41,600 --> 00:45:45,080
Speaker 2: a friend. This is so left or field. But I

1002
00:45:45,120 --> 00:45:47,960
Speaker 2: was talking to a friend about going to a first

1003
00:45:47,960 --> 00:45:50,480
Speaker 2: birthday and you all know I'm a new mom. I

1004
00:45:50,520 --> 00:45:52,799
Speaker 2: am very dad new mum. And I was like, oh,

1005
00:45:52,880 --> 00:45:55,799
Speaker 2: I really don't want to have to drive because it's

1006
00:45:55,840 --> 00:45:57,919
Speaker 2: like a two hour drive. It's a regional birthday party.

1007
00:45:57,960 --> 00:45:59,320
Speaker 2: And I'm like, oh, I really don't want to have

1008
00:45:59,360 --> 00:46:01,600
Speaker 2: to drive. And she's like, like she would so understand

1009
00:46:01,640 --> 00:46:03,719
Speaker 2: if you didn't go, Like it doesn't matter, and I

1010
00:46:03,760 --> 00:46:07,400
Speaker 2: was like no, because people remember not the gift you brought.

1011
00:46:07,440 --> 00:46:10,560
Speaker 2: They don't remember the thing you said or your excuse.

1012
00:46:10,640 --> 00:46:12,600
Speaker 2: They remember that you were the one that turned up.

1013
00:46:12,719 --> 00:46:14,759
Speaker 2: And I want to be remembered as that friend. So

1014
00:46:15,360 --> 00:46:17,920
Speaker 2: just being there is the thing that's going to be remembered,

1015
00:46:18,000 --> 00:46:20,680
Speaker 2: Not how much you spent or what dinner you had

1016
00:46:20,760 --> 00:46:22,800
Speaker 2: or the entree you ordered. No one's going to remember

1017
00:46:23,000 --> 00:46:26,239
Speaker 2: yeap Like, sometimes genuinely, I will ordered an entree because

1018
00:46:26,239 --> 00:46:28,120
Speaker 2: I'm a little garbage guts and I already ate heaps

1019
00:46:28,120 --> 00:46:29,719
Speaker 2: of food before I came out of the dinner with you.

1020
00:46:29,760 --> 00:46:33,000
Speaker 2: Beck like that might just be a choice because I'm

1021
00:46:33,000 --> 00:46:37,000
Speaker 2: not that hungry totally. Someone else said I always choose

1022
00:46:37,000 --> 00:46:39,600
Speaker 2: to be the designated driver. I've fun with my friends

1023
00:46:39,640 --> 00:46:42,560
Speaker 2: regardless of whether I'm drinking or not. Love that. Make

1024
00:46:42,600 --> 00:46:44,560
Speaker 2: sure your friends are paying you for petrol thcause, like

1025
00:46:44,840 --> 00:46:49,840
Speaker 2: deserted driver is no longer the cheap option. Someone else said,

1026
00:46:50,120 --> 00:46:52,560
Speaker 2: challenge your friends to a month of no spend or

1027
00:46:52,800 --> 00:46:55,880
Speaker 2: only doing activities at home. That way they get involved

1028
00:46:55,920 --> 00:46:57,240
Speaker 2: to and save some cash.

1029
00:46:57,280 --> 00:46:57,760
Speaker 4: True.

1030
00:46:58,000 --> 00:47:01,200
Speaker 2: Someone else said, remember your value and your wife stay

1031
00:47:01,200 --> 00:47:04,520
Speaker 2: alned girlfriend. Yeah. I think that's a perfect place to

1032
00:47:04,600 --> 00:47:07,360
Speaker 2: leave it, because so true. Like we are such a

1033
00:47:07,440 --> 00:47:11,719
Speaker 2: values driven community, and like, let's remember our values. Let's

1034
00:47:11,760 --> 00:47:15,520
Speaker 2: remember what drives us and have some hard conversations so

1035
00:47:15,520 --> 00:47:19,959
Speaker 2: that everyone's life can get easier. Perfectly perfectly said, all right, well,

1036
00:47:20,000 --> 00:47:22,919
Speaker 2: I hope you guys have a beautiful weekend. I hope

1037
00:47:22,920 --> 00:47:25,839
Speaker 2: that you enjoy money diaries on Monday. Until then, we

1038
00:47:25,880 --> 00:47:35,240
Speaker 2: will see you later, bye, guys. By The advice shared

1039
00:47:35,280 --> 00:47:37,640
Speaker 2: on She's on the Money is general in nature and

1040
00:47:37,719 --> 00:47:41,360
Speaker 2: does not consider your individual circumstances. She's on the Money

1041
00:47:41,480 --> 00:47:45,000
Speaker 2: exists purely for educational purposes and should not be relied

1042
00:47:45,080 --> 00:47:48,160
Speaker 2: upon to make an investment or financial decision. If you

1043
00:47:48,280 --> 00:47:50,399
Speaker 2: do choose to buy a financial product.

1044
00:47:50,160 --> 00:47:53,680
Speaker 5: Read the PDS TMD and obtain appropriate financial.

1045
00:47:53,280 --> 00:47:55,080
Speaker 2: Advice tailored towards your needs.

1046
00:47:55,440 --> 00:47:59,400
Speaker 5: Victoria Divine and She's on the Money are authorized representatives

1047
00:47:59,400 --> 00:48:01,480
Speaker 5: of Money up A p T Y L t D

1048
00:48:01,719 --> 00:48:04,520
Speaker 5: A b N three two one six four nine two

1049
00:48:04,560 --> 00:48:07,520
Speaker 5: seven seven zero eight a F s L four five

1050
00:48:07,600 --> 00:48:08,799
Speaker 5: one two eight nine