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

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Speaker 1: the Order Kerni Whaltbury 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.

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Speaker 3: She's on the Money.

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Speaker 2: She's on the Money.

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Speaker 4: Hello, and welcome to She's on the Money, the pod

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Speaker 4: that makes personal finance fun, especially on Fridays. It's our

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Speaker 4: favorite day of the week because we get the team

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Speaker 4: together to celebrate you the incredible She's on the Money community.

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Speaker 4: I'm actually not Victoria Divine, don't know if you up.

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Speaker 2: I'm Jessica Riggy.

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Speaker 4: I'm taking the reins because Miss Victoria sounds a little

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Speaker 4: bit like this.

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Speaker 5: It sounds a little bit demonic, and we.

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Speaker 2: Love that from you.

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Speaker 5: So'm here like physically but mostly spiritually.

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Speaker 2: Yeah, yep, yeap.

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Speaker 4: So if you hear a little a little scratching in

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Speaker 4: the background.

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Speaker 5: I still wanted to be involved, Like, you can't keep me.

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Speaker 2: Away from this. No, Unfortunately, have you guys been trying.

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Speaker 4: So today I'm going to share my favorite Moneys that's

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Speaker 4: gonna share her best broke tips. We're going to be

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Speaker 4: answering a money dilemma, which this week is all about

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Speaker 4: wanting to help your parents boost their super so they

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Speaker 4: have enough money for retirement, as well as something that

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Speaker 4: you slid into our dms about this week, we're chatting

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Speaker 4: what do you do when you're trying to save money

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Speaker 4: on bills and your housemate is cranking the heater wearing

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Speaker 4: a T shirt like it summer.

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Speaker 2: Don't look at me like that? Why no? I I

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Speaker 2: like it sounds like me. That's exactly what I heard.

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Speaker 2: She was gonna say.

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Speaker 5: It's Yess, said Chess. I swear jess as heaters set

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Speaker 5: at twenty six every single time, and she's like on

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Speaker 5: zoom in a singlet. I'm like, yeah, no, soon if

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Speaker 5: we want to live, like, put some socks on.

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Speaker 2: It's crazy.

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Speaker 4: How's everybody's weeks been there before we get into it?

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Speaker 5: I'm good girl, no, like I've just lost my voice,

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Speaker 5: like I've yapped too close to the sun, Like this

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Speaker 5: is what happens when I bite off more than I

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Speaker 5: can talk. When I do too many like public speaking things,

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Speaker 5: I feel like my vocal cords just get exhausted. And

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Speaker 5: then they say no more, and then I say good

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Speaker 5: try and then I still come to what I want.

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Speaker 5: It's so cool, Thank you, thank you. I like sexy

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Speaker 5: rough Ye, I don't feel cool. Oh sorry, I feel

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Speaker 5: frustrated because there's just so much cool stuff that I

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Speaker 5: want to do right now, Like how do you record

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Speaker 5: a dice in air wrap video when you can't do

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Speaker 5: a voiceover? And then that's the question of it all

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Speaker 5: is I'm like, guys, look at my hair today, is

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Speaker 5: so voluminous.

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Speaker 2: It looks beautiful, beautiful.

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Speaker 3: Shame.

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Speaker 5: I did still put a little video on the internet.

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Speaker 5: But I couldn't be like, oh, this is how I

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Speaker 5: did it because I sounded demonic.

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Speaker 2: Anyway.

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Speaker 5: That's the most first world problem you ever run into.

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Speaker 5: But also best week ever. Beck we all know has

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Speaker 5: a side hustle of creating clay creations. She has made

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Speaker 5: me a baby ravioli. It's like a spoon rest, but

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Speaker 5: mine's pink and it has red like accents on it,

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Speaker 5: and it says divine and it has these little cherries

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Speaker 5: on it.

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Speaker 2: I have never seen something more me.

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Speaker 5: I I feel so thought of, Like it's just so beautiful.

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Speaker 2: Absolutely.

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Speaker 6: I feel really bad because Jess came in and gave

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Speaker 6: me a jellycat keyring and I said, thanks Jess. Anyway, here, Victoria,

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Speaker 6: here's my gift.

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Speaker 4: What I did to Victoria giving you a gift.

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Speaker 5: That it's not like, oh, if I'm giving just a gift,

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Speaker 5: I have to give beck a gift. It's just like

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Speaker 5: I'm giving you one because I thought of you specifically

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Speaker 5: in this moment, like it happens in ebbs and flows.

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Speaker 2: I think that's the best part about it.

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Speaker 7: True.

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Speaker 2: You know, I do think of you both equally.

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Speaker 5: Thank you, thank you.

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Speaker 6: One of you has a gift that was your.

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Speaker 2: Week, really good week.

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Speaker 6: I was in Sydney a couple of weeks ago, and

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Speaker 6: so I think I just like, when I come back

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Speaker 6: from Sydney, I'm like, I'm so grateful for the life

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Speaker 6: I have in Melbourne, you know. So I've just been

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Speaker 6: riding a high. Really, I don't think it much. Too

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Speaker 6: much has been going on just living, love and laughing

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Speaker 6: as always and what about you?

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Speaker 4: Nothing crazy. I've been on a Marvel rewatch. So I

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Speaker 4: went on very interesting Thunderbolts a couple of weeks ago

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Speaker 4: when it released, which was very exciting. We got invited

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Speaker 4: to the previews, so it's so cool to be out

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Speaker 4: with me. They had someone stand at the front. They're like,

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Speaker 4: you're some of the first people in the world to

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Speaker 4: see this movie, and I was like, that is so cool,

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Speaker 4: and it was great. I feel like there was a

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Speaker 4: bit of a lull. I think anyone who's a big

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Speaker 4: Marvel fanmily agree. There was like a soft period, feels.

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Speaker 2: Like we're coming out of it.

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Speaker 4: And so after watching that movie, I was like, oh,

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Speaker 4: I want to go and rewatch everything in chronological order

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Speaker 4: because it feels like they're starting to tie a lot

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Speaker 4: of things together and there's so many to watch.

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Speaker 2: So it's that's all I'm doing. I wouldn't have picked

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Speaker 2: you for a Marvel girl.

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Speaker 4: A lot of people say that my favorite film genre

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Speaker 4: is like an action adventure.

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Speaker 2: Really, yeah, don't love a rom com? Would you believe?

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Speaker 2: I would not believe.

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Speaker 5: I do not believe. I think she's to us.

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Speaker 2: That's I don't get what she says. I don't believe. Yeah,

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Speaker 2: I think action is well for me.

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Speaker 6: I find it so boring because I'm like, there, just

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Speaker 6: there's a lot of sound.

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Speaker 5: I know what's gonna happen. True, I's going to prevail, exactly,

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Speaker 5: we already know what's going to happen.

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Speaker 6: I want to know.

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Speaker 5: I respect your where I can predict who's going to

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Speaker 5: fall in love. Yes, yeah, I prefer that kind of predictability. Yes,

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Speaker 5: you also went to that with an ulterior motive. You

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Speaker 5: were like, I'm super excited about this, but also it's

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Speaker 5: being hosted by Disney.

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Speaker 2: It's socredible.

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Speaker 5: What were you trying to do while you're there?

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Speaker 2: I was trying to meet some people, connect some things.

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Speaker 2: Disney cruise.

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Speaker 4: Perhaps I'm really on this time, Like she's on the cruise.

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Speaker 4: It's got to be a way to make it happen. Sadly,

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Speaker 4: it turns out it was me in about five thousand

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Speaker 4: of my closest friends at this event, see, which was

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Speaker 4: still an absolute That's okay.

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Speaker 5: We can then get a Disney cruise.

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Speaker 2: We're going to figure out a way to make it happen.

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Speaker 2: Do you imagine back on a Disney cruise I think

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Speaker 2: you'd have the best time.

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Speaker 4: I think you were leaning in the way that I

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Speaker 4: would need somebody to yes, yes, yes, absolutely.

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Speaker 5: I feel like you have to lean in, Like you

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Speaker 5: can't go on a Disney cruise and not do all

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Speaker 5: the activities and go like Disney Bingo and do all

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Speaker 5: of the things like I want to eat all of

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Speaker 5: the Mickey shaped everything.

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Speaker 2: Yeah, I feel like there could be in. I think

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Speaker 2: I'm in.

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Speaker 7: I'm in.

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Speaker 2: It has a idea, but I'm in. Leave it with me.

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Speaker 2: But do you guys like to hear it? Speaking of

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Speaker 2: wonderful things, this week's five star reviews.

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Speaker 5: You get to read these, but no one wants to

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Speaker 5: hear it.

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Speaker 4: Well, I'm taking much joy in doing it myself, just

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Speaker 4: so you know, to really rub the soul in the wound.

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Speaker 4: This week's review is from Tyler, and she said to

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Speaker 4: that she's on the Money Girls team listeners and everyone.

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Speaker 4: I started listening about eight months ago, and it truly

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Speaker 4: has changed my life. I am now completely dead free,

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Speaker 4: And even though it sounds like a bad situation, I

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Speaker 4: got myself to be financially stable enough that I got

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Speaker 4: to resign from my incredibly toxic job this week without

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Speaker 4: feeling stressed or anxious on how I could afford things

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Speaker 4: until I get a new job. She said, she's now

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Speaker 4: going to be testing sight hustle tips. Not only is

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Speaker 4: it helping me financially, but you've also taught me things

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Speaker 4: that have helped put me in a situation that improves

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Speaker 4: my mental health.

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Speaker 2: Again, the biggest thank you from the bottom of my house.

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Speaker 2: Oh my god, that's so good.

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Speaker 5: It always feel so special that you guys take the time.

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Speaker 2: Yeah, you don't have to, but you do. That's really nice.

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Speaker 2: I'm so happy.

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Speaker 4: And it's likely to get an update on your life

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Speaker 4: and what you're doing. And yeah, manifesting the perfect job

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Speaker 4: pops up for you.

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Speaker 7: Tyler.

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Speaker 2: Yes, I'm not to hear it all about me, but

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Speaker 2: do you want to hear some money wins?

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Speaker 5: I do.

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Speaker 4: I should have thought this through a I'll speed get

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Speaker 4: through it. You probably sick me first one this week.

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Speaker 4: I've got this from Jamie, who went to two inspections

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Speaker 4: for interstate buyers over the weekend. She got one hundred

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Speaker 4: and twenty dollars for each one just to walk through

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Speaker 4: the house, snap a few photos and that was it.

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Speaker 4: Bucks for about thirty minutes of work on a Saturday morning.

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Speaker 2: She said, Oh my god, that's so good.

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Speaker 4: And for anyone wondering. Beck commented and said not our Beck.

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Speaker 4: Different Beck commented and said how did you do this?

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Speaker 4: And Jamie said it was air tasker. So good little

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Speaker 4: anybody out there, I have a little wonder on your

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Speaker 4: Saturday morning.

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Speaker 2: I love a property perv. Yeah, through, I'm not get

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Speaker 2: paid for it. Absolutely.

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Speaker 4: Next, I've got the money win from Olivia, who said

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Speaker 4: her partner bought her a coffee machine as an early

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Speaker 4: Mother's Day present, so she hasn't brought herself a coffee

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Speaker 4: in two weeks and she's saving five dollars and ten

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Speaker 4: cents per day.

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Speaker 2: Oh my god, that's so good. How are you are

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Speaker 2: with your coffee? You're doing still going? Absolutely, I have not.

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Speaker 6: Literally the early days I buy coffee is when I'm

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Speaker 6: here and I've run out of time in the morning

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Speaker 6: and so I must buy coffee. But every other day

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Speaker 6: I do not buy coffee. And I actually prefer you

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Speaker 6: get to a point, we prefer the taste of the

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Speaker 6: coffee that you make the.

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Speaker 4: French press, the French little French press. Yes, absolutely incredible. Next,

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Speaker 4: I've got money in from Joe, who said she has

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Speaker 4: solar and hasn't had a bill in about a year.

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Speaker 4: She's actually getting credits back from you see company each month.

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Speaker 2: She said.

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Speaker 4: The other day they were mail to check for the

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Speaker 4: majority of the credit amount and they still have credit

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Speaker 4: to apply to the next bill.

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Speaker 5: He got a check. Yeah, you make a legitimate cash

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Speaker 5: from selling your energy.

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Speaker 2: You're going to pay me.

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Speaker 5: The energy cofee is coming to you.

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Speaker 2: God, that is so cool. I love solar so good.

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Speaker 6: Why did she have energy?

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Speaker 5: She didn't use all the stuff that she made.

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Speaker 4: Yeah, I think she produced a sur plus, and I

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Speaker 4: believe I see put back into the grid somewhow.

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Speaker 2: I'm smarter pers God.

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Speaker 4: Yeah, so they, I guess pay her for the energy

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Speaker 4: that she generated for them.

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Speaker 8: Yeah.

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Speaker 2: Whi's pretty cool. That's so cool. You go renewable energy.

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Speaker 2: You love to see it. I love to see it.

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Speaker 4: Next, I've got money in from Shelby, who said she

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Speaker 4: booked her son's birthday party at a PLAE center a

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Speaker 4: few weeks back for this weekend.

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Speaker 2: It's just passed.

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Speaker 4: When she arrived to pay the remaining on her invoice,

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Speaker 4: she was told that there was a ninety nine dollar

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Speaker 4: party special running at the time that she booked it.

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Speaker 4: She had no idea and saved herself a tidy two

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Speaker 4: hundred and twenty dollars.

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Speaker 5: Oh my god, Oh that's a lot.

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Speaker 4: I was thinking, that's a heap to spend on a

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Speaker 4: kid's birthday, kids party's expense.

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Speaker 2: I don't know what the going rate is. Is that normal?

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Speaker 5: I mean, I'm not at the point where Harvey is

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Speaker 5: being invited, but yeah, I'm like my nieces and nephews, like,

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Speaker 5: it can really add up. I mean, if you want

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Speaker 5: to go to a play center, what's that like twenty

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Speaker 5: bucks ahead.

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Speaker 2: That's actually so Truel's.

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Speaker 5: Like a dude, Like, even if it's party pies, the

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Speaker 5: second you tell the center that you want them to cater,

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Speaker 5: what's that going to cost?

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Speaker 3: Yeah?

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Speaker 5: Yeah right, that soorry. I just yeah, it will definitely

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Speaker 5: add up. And then then there's like their wedding conversation,

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Speaker 5: do you pay for all the kids coming to your

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Speaker 5: kid's birthday or do the kids pay?

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Speaker 2: Like truly you pay?

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Speaker 5: Well, See that's what I thought that I've seen in

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Speaker 5: our community, people talking about, oh, I've had my kid

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Speaker 5: go to these birthday parties and it cost X and

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Speaker 5: I'm just like wow, okay, like I'm not prepared for

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Speaker 5: this at all.

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Speaker 2: Yeah.

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Speaker 5: Yeah, Harvey's too young to have little friends half parties.

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Speaker 2: Yeah. Interesting.

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Speaker 4: Well, then ninety nine dollars sounds like an absolute bargain.

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Speaker 4: Well done, Shelby. And lastly, this week, money in from

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Speaker 4: Claire who said, I want one hundred and fifty dollar

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Speaker 4: about chat for giving a review for a new product

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Speaker 4: I bought, and.

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Speaker 2: So then I bought myself some extra new goodies. Goteous.

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Speaker 2: That's exciting. I love it for yourself. Yeah, one hundred.

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Speaker 2: I love when people win those late random free giveaways.

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Speaker 2: So fun, so fun.

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Speaker 6: Sorry, I just realized. I was like, this is completely irrelevant.

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Speaker 6: But I've developed like almost like a scalely part of

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Speaker 6: my forehead and it's in the exactly.

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Speaker 2: Into a Liz.

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Speaker 3: Yeah.

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Speaker 5: I don't know what's coming.

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Speaker 2: But it's also in the.

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Speaker 6: Same position where like, because I'm Bangladeshi, it's it looks

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Speaker 6: like I've got a bit cool. Yeah, and so I

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Speaker 6: but it's and so I'm trying to kill it.

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Speaker 2: I don't know what it is, but it's not x mars.

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Speaker 6: So anyway, if anyone has any ideas of what kind

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Speaker 6: of why has scales my symptoms, but you just I

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Speaker 6: just really need a diagnosis.

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Speaker 5: Actually into a blue tongue.

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Speaker 2: Very strang is happening on my forehead.

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Speaker 7: And.

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Speaker 6: You got some broke tips. I do have a breast

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Speaker 6: scale lea forehead, Yes I do. Uh okay, So this

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Speaker 6: best one comes from Pippot, who is referring to I

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Speaker 6: found this in our community, and Pippot is referring to

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Speaker 6: another thing that she saw, So I'm not I know

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Speaker 6: that the credit isn't all on Pippot, but I just

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Speaker 6: want to say that she's the one that alerted me

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Speaker 6: to this. So she said, I have to thank someone

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Speaker 6: In a previous post about community places to yoga for free,

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Speaker 6: I just signed up for four sessions this past week.

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Speaker 6: This compares to signing up for a class that can

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Speaker 6: cost me a minimum of dollars per session. And so

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Speaker 6: I don't know where the original information came from. But

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Speaker 6: all I want to say is I did not know

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Speaker 6: that was a thing community yoga classes.

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Speaker 5: I didn't either.

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Speaker 2: It's really cute. That is so cute.

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Speaker 6: So it's like I mean exercise classes these days, my

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Speaker 6: partner pays like, I don't know, fifty bucks a week

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Speaker 6: for Upstate or something, and.

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Speaker 9: There's more so she doesn't know what Upstate is what

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Speaker 9: it is, but like fifty bucks is I'm you know,

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Speaker 9: I'm being really, you know, not generous, the opposite of generous,

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Speaker 9: because it's probably way more than fifty dollars.

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Speaker 5: And we can get a little fact check. Hold on, Zara,

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Speaker 5: how much does Upstate cost per week? It's fifty fifty

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Speaker 5: five days job.

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Speaker 2: But there you go.

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Speaker 6: So instead of that, and I'm sure you know yogur is,

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Speaker 6: I no, never haven't really done it, but it mightn't

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Speaker 6: be on the lesser end of like something that's really

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Speaker 6: physically demanding, but you'd.

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Speaker 2: Be still surarized.

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Speaker 4: It takes a lot of strength, like yeah, okay, it's

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Speaker 4: similar to pilarates in that they'll usually give you variations, yeah,

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Speaker 4: depending on how advanced you are. But I so when

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Speaker 4: I was younger, I we're to yogis year and it

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Speaker 4: is crazy how much like strength people have, right Yeah, yeah, yeah,

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Speaker 4: everything holding your body weight.

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Speaker 6: Oh my god, that's so true. Sorry, I take that,

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Speaker 6: I take that all back. Actually that it is intense.

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Speaker 6: The second one comes from Emily, who says that if

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Speaker 6: you're on long term medication, ensure your doctor writes you

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Speaker 6: scripts for sixty days since the scheme. Sorry, this is

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Speaker 6: helpful in saving two hundred dollars to three hundred dollars

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Speaker 6: every month. I'm assuming that is because I had the

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Speaker 6: same thing, Like I would go to my doctor every

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Speaker 6: twenty days to get a i mean prescriptions, and well

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Speaker 6: that was just at the very start. And now she's written, like,

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Speaker 6: you know, just six months plus. Yeah, that has helped,

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Speaker 6: because it's what is it, like eighty bucks after Medicare

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Speaker 6: rebate pocket out of pocket, and.

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Speaker 2: So I think it's just a fantastic idea.

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Speaker 6: If you have the option, if your doctor is willing

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Speaker 6: try and get six months plus worth of prescriptions practical.

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Speaker 2: That's a good one. Thank you, yes, and thank you

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Speaker 2: too much, Emily.

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Speaker 5: I didn't know people didn't do that by default, like

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Speaker 5: in the nicest possible way. I have a brilliant doctor,

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Speaker 5: and he always gives me like a script for six

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Speaker 5: months of my like anti anxiety medication, yes, and so

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Speaker 5: like he checks in with me every six months and

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Speaker 5: then I get a new script and it's all good

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Speaker 5: to go.

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Speaker 2: True.

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Speaker 5: But you know, maybe people don't get it as often

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Speaker 5: as I do, Like it makes sense like asking for

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Speaker 5: more on your script if it's non coincident, like it's

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Speaker 5: of no you know.

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Speaker 6: Issue, yes totally and I guess like sometimes doctors want

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Speaker 6: to see you after with.

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Speaker 5: Dex like absolutely like what Beck's talking about. She mentioned

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Speaker 5: dex amphetamine, which is a very restricted drug that can

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Speaker 5: be prescribed to you if you have ADHD yes and

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Speaker 5: when you first go on to ADHD medication, they like

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Speaker 5: manage it really closely, so you might not have the

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Speaker 5: ability to you know, ask for a longer script until

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Speaker 5: they call it trust you with the medication or true

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Speaker 5: work out that it works with your body. But like,

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Speaker 5: definitely ask what's the worst? They can say no, sorry, yeah,

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Speaker 5: no that's very true.

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Speaker 2: So yeah, I'd say, yeah, just ask the question anyway

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Speaker 2: and see how you go.

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Speaker 6: This next one comes from myself and also our producer,

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Speaker 6: who are alerted me that Grilled is actually doing mad

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Speaker 6: Wait Bad Wait mad bundays.

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Speaker 4: Does that make any sense to you? This came up

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Speaker 4: in the slack recently. Georgia loves this.

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Speaker 2: Yes, it's a real tongue twister. Is that intentionally?

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Speaker 7: So?

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Speaker 2: How it works this is through Grilled.

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Speaker 6: How it works is you sign up, you pick your

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Speaker 6: Aussie rules team or your UGI league team. I just

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00:16:39,920 --> 00:16:42,880
Speaker 6: did it before. I don't think you pick one of each.

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Speaker 6: I did try. There could be a way, but I

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Speaker 6: haven't found it. And then if that team wins a match,

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Speaker 6: you get a free burger coupon send to your email

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Speaker 6: and relish account, which is what they call the grilled account.

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Speaker 6: You can dine in on Monday, spend tween doors and

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Speaker 6: redeem your free burger at the till, and then bask

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Speaker 6: in the glory. Brag to your mates. Is step number five.

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Speaker 6: Step number five is non negotiable. And that's me for

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Speaker 6: this week.

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Speaker 5: I love that because grilled burgers are so expensive.

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Speaker 2: And they're so yummy.

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Speaker 5: Yah're so good, but like twenty dollars for a burger

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Speaker 5: at what feels like a fast food place. Like, don't

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Speaker 5: get me wrong, I know that it's like quality and

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Speaker 5: not McDonald's whatever, it's still expensive.

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Speaker 2: It's expensive.

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Speaker 4: And you got a one in two chance, right, like

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Speaker 4: you're picking a keay deal. It's good odds even if

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Speaker 4: you don't follow.

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Speaker 5: Do you know what, have a date night every week

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Speaker 5: with your partner and both vote again, my god, that's

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Speaker 5: a good deal. So you and just get an account

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Speaker 5: pick and she goes one way, you go the other way.

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Speaker 2: That you can.

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Speaker 6: You can only pick one at the start unless you

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Speaker 6: make multiple accounts, which is also an option.

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Speaker 5: So I mean, Grill's not paying us, so do whatever

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Speaker 5: you want.

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Speaker 2: And on that lovely notes, yes, if you pay me,

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Speaker 2: I will do better. Victoria can be bought with a grill. Absolutely.

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Speaker 4: Let's go really quick break. We can chatburgers while we're there.

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Speaker 4: When we come back, we're going to be talking all

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Speaker 4: about how to help your parents boost their supers that

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Speaker 4: they have enough for retirement, and whether or not you

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Speaker 4: should be cranking the heater when you're living with a housemate.

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Speaker 4: Don't go anywhere.

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Speaker 2: Welcome back, everyone, and here's this week's money dilemma.

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Speaker 3: Hi, there, have you got a money dilemma you just

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00:18:24,040 --> 00:18:26,560
Speaker 3: can't solve that. She's on the Money team is here

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00:18:26,600 --> 00:18:29,840
Speaker 3: to help. Every week we tackle your dilemmas, both big

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00:18:29,880 --> 00:18:32,600
Speaker 3: and small, to answer your most burning money, career and

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00:18:32,640 --> 00:18:35,840
Speaker 3: life questions. To get involved, simply head to our website

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00:18:35,840 --> 00:18:38,000
Speaker 3: and leave us a short voice recording and you might

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00:18:38,040 --> 00:18:40,600
Speaker 3: just find yourself on the show. Now, let's take a

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Speaker 3: listen to this week's money dilemma.

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Speaker 8: She's on the Money. I have the money dilemma. Not

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Speaker 8: directly for myself, but it actually relates to my parents

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Speaker 8: and their retirement. I mean thinking a lot recently about

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Speaker 8: how their retirement is coming up soon, maybe in the

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Speaker 8: next decade. My done is sixty, my mom is fifty eight,

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Speaker 8: and selfishly, in the cost of the being crisis, I

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Speaker 8: don't really want to be in a position where I

447
00:19:08,680 --> 00:19:14,200
Speaker 8: would need to support them financially while also supporting myself.

448
00:19:14,240 --> 00:19:19,080
Speaker 8: For context, our family moved to Australia about seventeen years ago,

449
00:19:19,400 --> 00:19:22,120
Speaker 8: so my parents just haven't really had very much time

450
00:19:22,160 --> 00:19:28,080
Speaker 8: in the workforce in Australia while receiving SUPER contributions, and

451
00:19:28,280 --> 00:19:32,480
Speaker 8: I'm just sort of looking for some tips on how

452
00:19:33,600 --> 00:19:36,520
Speaker 8: they can prepare for their retire and in other ways

453
00:19:37,280 --> 00:19:41,920
Speaker 8: or boost the SUPER or anything like that. My mom

454
00:19:41,960 --> 00:19:44,119
Speaker 8: has been mostly stayed at home mom, so she really

455
00:19:44,160 --> 00:19:47,600
Speaker 8: has very minimal SUPER and I don't know exactly how

456
00:19:47,680 --> 00:19:50,280
Speaker 8: much my dad has, but I know that when they've

457
00:19:50,280 --> 00:19:53,160
Speaker 8: looked into using those SUPER to purchase a house, it

458
00:19:53,240 --> 00:19:54,960
Speaker 8: wasn't even enough for a house deposit.

459
00:19:55,240 --> 00:19:56,520
Speaker 5: So yeah, I'd really.

460
00:19:56,400 --> 00:20:00,199
Speaker 8: Appreciate any thoughts, insight, or any tips for how they

461
00:20:00,240 --> 00:20:02,200
Speaker 8: can start preparing for their retirement.

462
00:20:02,520 --> 00:20:06,040
Speaker 5: I have a lot to say about their pension system

463
00:20:06,160 --> 00:20:09,600
Speaker 5: here in Australia. But before that, Beck, what would you do?

464
00:20:11,200 --> 00:20:12,800
Speaker 5: I totally know this anxiety.

465
00:20:12,960 --> 00:20:17,040
Speaker 6: I feel very much the same with my mum Selfishly,

466
00:20:17,080 --> 00:20:18,240
Speaker 6: I don't think she has a lot of super and

467
00:20:18,320 --> 00:20:20,240
Speaker 6: so I'm like, I just think I know that in

468
00:20:20,880 --> 00:20:23,120
Speaker 6: some cultures it just kind of like expected that you

469
00:20:23,520 --> 00:20:26,320
Speaker 6: kind of like help support your parents when they can't

470
00:20:26,359 --> 00:20:28,879
Speaker 6: support themselves anymore when they retire. There's a lot of

471
00:20:28,920 --> 00:20:33,600
Speaker 6: pressure in this day and age, Like I mean, I

472
00:20:33,640 --> 00:20:36,880
Speaker 6: can't even afford myself and like to you know, it's

473
00:20:36,920 --> 00:20:38,280
Speaker 6: a lot of pressure to put it on someone.

474
00:20:38,359 --> 00:20:41,160
Speaker 2: So I totally get the anxiety.

475
00:20:41,720 --> 00:20:46,240
Speaker 6: I guess I would discuss what their plans are after

476
00:20:46,280 --> 00:20:48,720
Speaker 6: retirement and if they're if they're like, we're all good,

477
00:20:48,760 --> 00:20:51,120
Speaker 6: like we have this much in super, we will get

478
00:20:51,119 --> 00:20:54,520
Speaker 6: the pension well whatever else, then maybe like you.

479
00:20:54,440 --> 00:20:55,320
Speaker 2: Can take a load off.

480
00:20:55,359 --> 00:20:58,119
Speaker 6: But if they're like, oh, we kind of expected that

481
00:20:58,600 --> 00:21:02,280
Speaker 6: you would help us out, then my only advice is

482
00:21:02,320 --> 00:21:04,879
Speaker 6: panic and that's it. But no, I think that, like,

483
00:21:05,280 --> 00:21:06,680
Speaker 6: I don't think it's ever too late, but you could

484
00:21:06,680 --> 00:21:09,760
Speaker 6: maybe sign them up for like community housing if it's

485
00:21:09,800 --> 00:21:12,720
Speaker 6: an option or something like that. So it's a you know,

486
00:21:12,800 --> 00:21:16,199
Speaker 6: have an ongoing cost of you know, living, whether it's mortgage,

487
00:21:16,200 --> 00:21:18,080
Speaker 6: whether it's renting or something like that. Like that's just

488
00:21:18,119 --> 00:21:21,720
Speaker 6: a really nice security blanket because it can be quite

489
00:21:21,720 --> 00:21:24,719
Speaker 6: a long waitlist. So if they have that there, that

490
00:21:24,760 --> 00:21:26,360
Speaker 6: would be good. I don't really know what the living

491
00:21:26,359 --> 00:21:29,600
Speaker 6: situation's like, so sorry, if you've already sorted that out, Yeah,

492
00:21:29,600 --> 00:21:31,679
Speaker 6: I think I think just like chat with them about

493
00:21:31,800 --> 00:21:35,240
Speaker 6: what their plans won't be and kind of stress them, like,

494
00:21:35,280 --> 00:21:39,919
Speaker 6: this is very could be a scary time financially if

495
00:21:39,920 --> 00:21:41,119
Speaker 6: they don't have a plan in place.

496
00:21:41,720 --> 00:21:44,480
Speaker 2: That's my advice. I hope that's kind of helpful. Jess,

497
00:21:44,520 --> 00:21:45,280
Speaker 2: what are you thinking.

498
00:21:45,760 --> 00:21:47,879
Speaker 4: I think it's probably best to ask them about their

499
00:21:47,920 --> 00:21:50,800
Speaker 4: financial situation holistically, because just because they don't have money

500
00:21:50,800 --> 00:21:53,040
Speaker 4: in super doesn't mean that they maybe don't have cash

501
00:21:53,200 --> 00:21:56,720
Speaker 4: assets or some kind of investment. I know that that.

502
00:21:56,920 --> 00:22:00,880
Speaker 4: You know often when young families, I great, that may

503
00:22:00,920 --> 00:22:02,560
Speaker 4: not be the case, but you don't know. If that's

504
00:22:02,560 --> 00:22:05,280
Speaker 4: not a conversation you've ever had, maybe they are holding

505
00:22:05,320 --> 00:22:08,199
Speaker 4: something that you're not aware of. Although the comment that

506
00:22:08,200 --> 00:22:11,040
Speaker 4: our listener made about them considering pulling money out of

507
00:22:11,080 --> 00:22:13,640
Speaker 4: Super for a house deposit and it not being enough

508
00:22:13,640 --> 00:22:16,960
Speaker 4: for that suggests to me that maybe you know it

509
00:22:17,000 --> 00:22:19,280
Speaker 4: won't be the case, but you never know. Good to

510
00:22:19,400 --> 00:22:21,840
Speaker 4: just take a look at the bigger picture where possible,

511
00:22:22,600 --> 00:22:25,439
Speaker 4: I would say to echo you back, it's really hard,

512
00:22:25,680 --> 00:22:28,280
Speaker 4: I think as a child to take that responsibility on,

513
00:22:28,600 --> 00:22:31,520
Speaker 4: and it's okay to have conflicting emotions. I don't think

514
00:22:31,560 --> 00:22:34,359
Speaker 4: that it's selfish. I think it's very understandable that you

515
00:22:34,400 --> 00:22:36,800
Speaker 4: feel the way that you do, and it's hard to

516
00:22:36,880 --> 00:22:40,560
Speaker 4: have to take on this responsibility that you didn't ask for.

517
00:22:40,600 --> 00:22:42,399
Speaker 4: It's kind of like the reverse, like a parent chooses

518
00:22:42,440 --> 00:22:44,159
Speaker 4: to have a child, but a child doesn't choose to

519
00:22:44,160 --> 00:22:47,000
Speaker 4: be born, and so then to have that responsibility, yeah,

520
00:22:47,040 --> 00:22:49,440
Speaker 4: when you had no say in it, it can probably

521
00:22:49,440 --> 00:22:51,120
Speaker 4: bring up I think a lot of emotions, and that's

522
00:22:51,160 --> 00:22:56,240
Speaker 4: completely understandable. Something to consider if you are going to

523
00:22:56,280 --> 00:22:58,680
Speaker 4: be in a position, or if you have already purchased

524
00:22:58,680 --> 00:23:01,639
Speaker 4: a property yourself, you could look at building like a

525
00:23:01,640 --> 00:23:04,440
Speaker 4: granny flat or a tiny home on your property. Because

526
00:23:04,480 --> 00:23:07,359
Speaker 4: I think I don't know a lot, vd's going to

527
00:23:07,359 --> 00:23:09,399
Speaker 4: know a lot more than I do about our pension system.

528
00:23:09,720 --> 00:23:12,280
Speaker 4: But from what I understand, it's really set up with

529
00:23:12,400 --> 00:23:15,040
Speaker 4: the assumption that people will own their own property by

530
00:23:15,080 --> 00:23:18,440
Speaker 4: the age of retirement, which as we know now is generally,

531
00:23:18,640 --> 00:23:21,280
Speaker 4: you know, not always the case. So I feel like

532
00:23:21,400 --> 00:23:24,280
Speaker 4: housing is probably one of firstly the biggest expenses that

533
00:23:24,320 --> 00:23:26,840
Speaker 4: they will incur as retirees and probably one of the

534
00:23:26,840 --> 00:23:30,000
Speaker 4: biggest stresses. So even if it's not permanent, you know,

535
00:23:30,119 --> 00:23:34,200
Speaker 4: an affordable tiny home granny flat option, if that's something

536
00:23:34,200 --> 00:23:36,040
Speaker 4: you can put onto a property that you either have

537
00:23:36,160 --> 00:23:38,720
Speaker 4: now or my purchase in the future, could be kind

538
00:23:38,720 --> 00:23:41,560
Speaker 4: of a middle ground potentially, like it's you're not necessarily

539
00:23:41,600 --> 00:23:45,679
Speaker 4: contributing to them financially, but you're easing their burden in

540
00:23:45,720 --> 00:23:47,120
Speaker 4: a way, if that makes sense.

541
00:23:47,240 --> 00:23:47,480
Speaker 5: Yeah.

542
00:23:47,600 --> 00:23:49,000
Speaker 2: Is that why it's called a granny flat.

543
00:23:49,200 --> 00:23:51,680
Speaker 4: Yeah, because people would often put them on their property

544
00:23:51,760 --> 00:23:53,240
Speaker 4: for like granny parents.

545
00:23:53,320 --> 00:23:55,160
Speaker 2: Yeah, for grannie exactly. That's cute.

546
00:23:55,359 --> 00:23:57,320
Speaker 4: And you can buy lots of different like there's all

547
00:23:57,400 --> 00:23:59,239
Speaker 4: kinds now you can buy, like tiny homes that are

548
00:23:59,240 --> 00:24:02,800
Speaker 4: pre assembled and containers and also so maybe looking into

549
00:24:02,800 --> 00:24:03,400
Speaker 4: something like that.

550
00:24:03,840 --> 00:24:06,240
Speaker 2: Otherwise I don't have a lot of information, so I'm

551
00:24:06,240 --> 00:24:09,600
Speaker 2: just gonna handfall that right over to the financial expert.

552
00:24:10,520 --> 00:24:13,800
Speaker 5: So I have limited voice, and I do apologize that

553
00:24:13,840 --> 00:24:16,919
Speaker 5: this is a husky version, but you actually have a

554
00:24:16,920 --> 00:24:19,399
Speaker 5: lot of control. You have a lot of ability to

555
00:24:19,400 --> 00:24:22,840
Speaker 5: help them. Because you've said, you know, they're immigrated seventeen

556
00:24:22,920 --> 00:24:26,399
Speaker 5: years ago. I'm assuming they don't fully comprehend like the

557
00:24:26,440 --> 00:24:30,359
Speaker 5: Australian pension system. So that's where your knowledge and skill

558
00:24:30,400 --> 00:24:33,760
Speaker 5: could come into it. No, it's not going to require

559
00:24:34,280 --> 00:24:36,840
Speaker 5: you putting your cash on the table, but it might

560
00:24:37,000 --> 00:24:39,560
Speaker 5: require you sitting down with your parents and helping them.

561
00:24:39,400 --> 00:24:40,080
Speaker 2: Create a plan.

562
00:24:40,200 --> 00:24:42,160
Speaker 5: Right, so you said that they were I would say

563
00:24:42,200 --> 00:24:45,000
Speaker 5: relatively young, like they're not, you know, in their late

564
00:24:45,119 --> 00:24:48,639
Speaker 5: sixties when you can access a pension, so today they can't.

565
00:24:48,960 --> 00:24:52,119
Speaker 5: They would have to be at their what's called like

566
00:24:52,160 --> 00:24:55,080
Speaker 5: a qualification age basically, which is where you hit a

567
00:24:55,119 --> 00:24:57,760
Speaker 5: particular age to be able to access the age pension.

568
00:24:58,200 --> 00:25:01,000
Speaker 5: They have a number of years before they get to that,

569
00:25:01,400 --> 00:25:04,879
Speaker 5: at which point I would assume that the plan is

570
00:25:04,920 --> 00:25:07,640
Speaker 5: not to buy property. And the reason I would say

571
00:25:07,640 --> 00:25:09,919
Speaker 5: it's not to buy property is because of the amount

572
00:25:09,920 --> 00:25:13,280
Speaker 5: that would be required to purchase that property and then.

573
00:25:13,200 --> 00:25:15,240
Speaker 2: Also pay off that property, et cetera.

574
00:25:15,880 --> 00:25:18,560
Speaker 5: They might or you might find they're in a better

575
00:25:18,600 --> 00:25:21,920
Speaker 5: situation to make a plan for the next five even

576
00:25:22,000 --> 00:25:27,119
Speaker 5: ten years to aggressively contribute to their superannuation so that

577
00:25:27,200 --> 00:25:30,919
Speaker 5: they can draw down on that. In addition to the

578
00:25:31,000 --> 00:25:34,000
Speaker 5: age care pension, which given you've told me they don't

579
00:25:34,000 --> 00:25:35,760
Speaker 5: have a lot of assets and I've made the assumption

580
00:25:35,800 --> 00:25:39,000
Speaker 5: that they don't own their house, is potentially going to

581
00:25:39,040 --> 00:25:43,120
Speaker 5: look like as following. Right, So the age care pension

582
00:25:43,920 --> 00:25:46,760
Speaker 5: gives a maximum, and there's like different levels of what

583
00:25:46,800 --> 00:25:48,960
Speaker 5: they're going to look at and not look at. For

584
00:25:49,040 --> 00:25:52,760
Speaker 5: single people, it gives a maximum of eleven hundred and

585
00:25:52,800 --> 00:25:55,359
Speaker 5: fifty one dollars and thirty cents a fortnite or twenty

586
00:25:55,400 --> 00:25:58,439
Speaker 5: seven thousand dollars a year, or for a couple, it

587
00:25:58,440 --> 00:26:01,920
Speaker 5: gives you fifteen hundred and eighty five dollars a fortnight,

588
00:26:02,160 --> 00:26:04,960
Speaker 5: which is about forty one two hundred and ten dollars

589
00:26:05,000 --> 00:26:07,760
Speaker 5: a year. Right, you might look at that and go great,

590
00:26:07,920 --> 00:26:12,480
Speaker 5: like that's within the amount that they need to live,

591
00:26:12,560 --> 00:26:15,879
Speaker 5: like they could definitely live on that, or you might go, oh,

592
00:26:15,920 --> 00:26:18,600
Speaker 5: that's not going to be super comfortable, at which point

593
00:26:18,760 --> 00:26:21,480
Speaker 5: that's where their superranuation comes in. And I know that

594
00:26:21,520 --> 00:26:25,760
Speaker 5: you're saying that their superannuation isn't heaps, but it doesn't

595
00:26:25,840 --> 00:26:27,840
Speaker 5: need to be. And like I think a lot of

596
00:26:27,840 --> 00:26:30,360
Speaker 5: people assume because you know she's on the money. It's

597
00:26:30,359 --> 00:26:33,080
Speaker 5: all about creating wealth and creating financial stability. And I

598
00:26:33,119 --> 00:26:36,159
Speaker 5: am so privileged to have this financial literacy at a

599
00:26:36,200 --> 00:26:38,879
Speaker 5: young age that I do want to retire a millionaire.

600
00:26:39,080 --> 00:26:41,800
Speaker 5: I'd be disappointed if I had this knowledge and this

601
00:26:41,920 --> 00:26:45,439
Speaker 5: aggressive nature to save and invest right now at this age,

602
00:26:45,840 --> 00:26:47,400
Speaker 5: if I didn't make the most of that and then

603
00:26:47,440 --> 00:26:50,119
Speaker 5: retire comfortably. The same for you, Jess, Like, I know

604
00:26:50,240 --> 00:26:52,120
Speaker 5: you want to retire well, and I know you will

605
00:26:52,200 --> 00:26:54,320
Speaker 5: because you've started so young and you had time on

606
00:26:54,359 --> 00:26:57,320
Speaker 5: your side right now. Your parents don't. But I don't

607
00:26:57,359 --> 00:27:00,480
Speaker 5: want you to stress over that, because what happens with

608
00:27:00,520 --> 00:27:02,400
Speaker 5: your super is we're going to load as much into

609
00:27:02,440 --> 00:27:05,080
Speaker 5: it as possible, and then every year we can draw

610
00:27:05,160 --> 00:27:08,200
Speaker 5: down on that, so the money stays invested and on average,

611
00:27:08,240 --> 00:27:10,640
Speaker 5: you were expecting a rate of return of about five

612
00:27:10,680 --> 00:27:13,720
Speaker 5: percent on that money. But then you might take out

613
00:27:14,000 --> 00:27:16,520
Speaker 5: a couple of thousand dollars to make life more comfortable.

614
00:27:16,760 --> 00:27:18,320
Speaker 5: Some years you might go no, we're not going to

615
00:27:18,359 --> 00:27:19,800
Speaker 5: go on a holiday, or no, we're not going to

616
00:27:19,840 --> 00:27:22,760
Speaker 5: do this or that, and that forty one thousand dollars

617
00:27:23,040 --> 00:27:25,600
Speaker 5: might just keep the lights on and life tracking along.

618
00:27:26,200 --> 00:27:29,800
Speaker 5: But if you want to have a sixty thousand dollar income,

619
00:27:29,880 --> 00:27:32,159
Speaker 5: you might take twenty thousand dollars a year from your

620
00:27:32,200 --> 00:27:36,440
Speaker 5: superannuation to quote top up what your pension is. And

621
00:27:36,560 --> 00:27:39,640
Speaker 5: the pension actually allows for that, like you're not going

622
00:27:39,680 --> 00:27:42,840
Speaker 5: to be reprimanded, and that money is tax free once

623
00:27:42,840 --> 00:27:46,400
Speaker 5: it's gone into pension phase. So I think that that's

624
00:27:46,480 --> 00:27:50,080
Speaker 5: really important. There are a number of different types of pensions,

625
00:27:50,080 --> 00:27:52,800
Speaker 5: so I would be going onto the moneysmart dot gov

626
00:27:52,800 --> 00:27:56,240
Speaker 5: dot AU website and understanding exactly what they might be

627
00:27:56,240 --> 00:27:59,320
Speaker 5: able to access. But then on top of that, there

628
00:27:59,320 --> 00:28:01,159
Speaker 5: are heaps of the things that you could set your

629
00:28:01,160 --> 00:28:04,600
Speaker 5: parents up with. So get a concession card so that

630
00:28:04,640 --> 00:28:07,560
Speaker 5: they get cheaper utility bills, cheaper medical bills. You know,

631
00:28:07,600 --> 00:28:10,280
Speaker 5: they get bulk build when they need to, they get discounted,

632
00:28:10,320 --> 00:28:13,800
Speaker 5: if not free public transport. In some states, you have

633
00:28:13,880 --> 00:28:16,080
Speaker 5: to be over the age of sixty. Your dad actually

634
00:28:16,160 --> 00:28:18,160
Speaker 5: ticks that box right now, so he could have those

635
00:28:18,200 --> 00:28:22,400
Speaker 5: benefits right now. You need to also potentially look at

636
00:28:22,640 --> 00:28:25,400
Speaker 5: I would say a Senior's card. So a Senior's card

637
00:28:25,480 --> 00:28:28,040
Speaker 5: is a really cool thing. It gives you again discounts

638
00:28:28,080 --> 00:28:31,040
Speaker 5: on public transport or like some goods and services. You

639
00:28:31,160 --> 00:28:33,560
Speaker 5: might see it at the checkout of some like cafes

640
00:28:33,560 --> 00:28:35,800
Speaker 5: and stuff. They do a little Senior's discount to make

641
00:28:35,840 --> 00:28:37,840
Speaker 5: life a little bit more affordable.

642
00:28:37,440 --> 00:28:39,440
Speaker 2: Don't I can gives you free cinnamon donuts.

643
00:28:39,480 --> 00:28:43,000
Speaker 5: There you go, And I just think cinnamon donuts are

644
00:28:43,040 --> 00:28:46,480
Speaker 5: going to change your life. But like, having these cards

645
00:28:46,520 --> 00:28:49,440
Speaker 5: and knowing the benefits of them is going to increase

646
00:28:49,680 --> 00:28:52,480
Speaker 5: your quality of life. Like if your parents are going

647
00:28:52,560 --> 00:28:54,960
Speaker 5: far out, we're going to retire, both of us are

648
00:28:55,000 --> 00:28:56,920
Speaker 5: currently working full time, or we have you know, more

649
00:28:56,920 --> 00:28:59,560
Speaker 5: than one hundred thousand dollars coming into our household right now,

650
00:29:00,600 --> 00:29:02,320
Speaker 5: going to forty one thousand dollars a year.

651
00:29:02,560 --> 00:29:03,120
Speaker 2: That's hard.

652
00:29:03,640 --> 00:29:05,840
Speaker 5: So what can we do to support that to go?

653
00:29:05,880 --> 00:29:06,000
Speaker 2: All?

654
00:29:06,080 --> 00:29:06,200
Speaker 1: Right?

655
00:29:06,200 --> 00:29:08,520
Speaker 5: Well, you love a coffee and you love a donut, Like,

656
00:29:08,760 --> 00:29:11,920
Speaker 5: here are a few benefits that could maintain that type

657
00:29:11,960 --> 00:29:14,000
Speaker 5: of lifestyle so that the two of them can still

658
00:29:14,000 --> 00:29:15,680
Speaker 5: go out and have those little dates or have the

659
00:29:15,800 --> 00:29:19,480
Speaker 5: nice sweet treats that they definitely deserve but maybe can't

660
00:29:19,600 --> 00:29:20,240
Speaker 5: fit in the.

661
00:29:20,160 --> 00:29:21,240
Speaker 2: Budget as easily.

662
00:29:21,680 --> 00:29:25,320
Speaker 5: Now there is going to be different eligibility criteria depending

663
00:29:25,320 --> 00:29:27,160
Speaker 5: on your state and territory, so you need to look

664
00:29:27,200 --> 00:29:28,600
Speaker 5: into that. I wish I could be like this is

665
00:29:28,640 --> 00:29:32,440
Speaker 5: exactly what it is. And then there's the Commonwealth Senior's

666
00:29:32,680 --> 00:29:36,000
Speaker 5: Healthcare cart So get them in all of that, like

667
00:29:36,200 --> 00:29:39,120
Speaker 5: sign them up for all the benefits. Go talk to

668
00:29:39,200 --> 00:29:42,640
Speaker 5: center Link, go work out what that looks like. The

669
00:29:42,720 --> 00:29:45,480
Speaker 5: other thing I would say is when parents get a

670
00:29:45,560 --> 00:29:50,280
Speaker 5: little bit older, sometimes they aren't well. And if that

671
00:29:50,480 --> 00:29:54,160
Speaker 5: is the case, there's often more pressure on one person

672
00:29:54,240 --> 00:29:57,280
Speaker 5: in that relationship, like your mum might be caring for

673
00:29:57,320 --> 00:30:00,680
Speaker 5: your dad. In that case, talk to send about care

674
00:30:00,760 --> 00:30:03,520
Speaker 5: is pay Is there an ability to have you know

675
00:30:03,720 --> 00:30:07,120
Speaker 5: that be documented by a doctor to get an additional

676
00:30:07,320 --> 00:30:11,880
Speaker 5: subsidy or an additional benefit for looking after that person,

677
00:30:12,240 --> 00:30:14,960
Speaker 5: which you know what, if it is accessible and available

678
00:30:14,960 --> 00:30:17,000
Speaker 5: to you, please just sign up for it, like it

679
00:30:17,080 --> 00:30:19,000
Speaker 5: is there for you. We live in this country which

680
00:30:19,040 --> 00:30:21,760
Speaker 5: is so beautiful, and this is why I pay my taxes.

681
00:30:21,920 --> 00:30:23,240
Speaker 2: Yeah, that's what I want my tax money to go

682
00:30:23,280 --> 00:30:23,400
Speaker 2: to it.

683
00:30:23,520 --> 00:30:25,440
Speaker 5: This is what I want my tax money to go towards.

684
00:30:25,480 --> 00:30:29,240
Speaker 5: This is why I'm so passionate about feeling privileged about

685
00:30:29,240 --> 00:30:31,120
Speaker 5: paying tax, and I know that so many people could

686
00:30:31,120 --> 00:30:32,680
Speaker 5: be like, oh it goes to the doll blood as

687
00:30:32,680 --> 00:30:34,840
Speaker 5: it does. I don't care about those people. There is

688
00:30:34,920 --> 00:30:38,200
Speaker 5: always going to be an individual in any system trying

689
00:30:38,200 --> 00:30:40,480
Speaker 5: to take advantage of it. But you're telling me that

690
00:30:40,600 --> 00:30:43,480
Speaker 5: my tax dollars go to making sure that we have healthcare,

691
00:30:43,680 --> 00:30:45,600
Speaker 5: that we have roads that are safe to drive on,

692
00:30:45,800 --> 00:30:48,320
Speaker 5: and that your parents can retire. Pop off.

693
00:30:48,520 --> 00:30:49,560
Speaker 2: I love that for us.

694
00:30:50,000 --> 00:30:54,760
Speaker 5: So you can actually do a lot about retirement planning

695
00:30:55,040 --> 00:30:57,040
Speaker 5: and you can actually sit down and go okay, cool,

696
00:30:57,040 --> 00:30:59,680
Speaker 5: like this is a bit overwhelming, but the money smart

697
00:30:59,680 --> 00:31:04,600
Speaker 5: webs is so straightforward, like yes, the process might be hard,

698
00:31:04,800 --> 00:31:07,000
Speaker 5: but like start talking to your parents now, like go

699
00:31:07,240 --> 00:31:09,640
Speaker 5: okay cool, Like we need to have a look at

700
00:31:09,800 --> 00:31:15,320
Speaker 5: your retirement plan because one thing, so for those of you,

701
00:31:15,320 --> 00:31:17,800
Speaker 5: you know, playing along at home, when you do the

702
00:31:17,960 --> 00:31:20,320
Speaker 5: aged care pension and you're trying to sign up for this,

703
00:31:20,480 --> 00:31:21,600
Speaker 5: there's going to be an.

704
00:31:21,480 --> 00:31:23,720
Speaker 2: Aged care eligibility.

705
00:31:23,840 --> 00:31:25,280
Speaker 5: And I'm going to do a whole episode on this

706
00:31:25,280 --> 00:31:28,200
Speaker 5: because I think it's really important. But in Australia, to

707
00:31:28,280 --> 00:31:31,880
Speaker 5: get the full pension, you cannot have assets of more

708
00:31:31,960 --> 00:31:35,480
Speaker 5: than four hundred and seventy thousand dollars. So let's say

709
00:31:35,520 --> 00:31:40,600
Speaker 5: your parents have five hundred thousand dollars in stuperanuation between

710
00:31:40,640 --> 00:31:43,680
Speaker 5: them and you want to get the full pension. Your

711
00:31:43,680 --> 00:31:47,720
Speaker 5: family home is not being taken into consideration potentially, And

712
00:31:47,760 --> 00:31:50,720
Speaker 5: I'm not saying that this is the perfect advice, but

713
00:31:50,760 --> 00:31:52,400
Speaker 5: I have seen people do it before and it has

714
00:31:52,400 --> 00:31:54,560
Speaker 5: worked for them. And you know, there's I'm going to

715
00:31:54,600 --> 00:31:56,160
Speaker 5: do a whole episode, so I can, you know, do

716
00:31:56,240 --> 00:31:59,320
Speaker 5: heaps of scenarios for you. I have seen people take

717
00:31:59,360 --> 00:32:02,840
Speaker 5: thirty thousand dollars from their super invested in upgrading their home.

718
00:32:02,840 --> 00:32:04,800
Speaker 5: They might get a new bathroom or you know, an

719
00:32:04,880 --> 00:32:08,920
Speaker 5: updated kitchen. They now fall below the eligibility for a

720
00:32:08,920 --> 00:32:11,200
Speaker 5: full pension, they can get their full pension instead of

721
00:32:11,200 --> 00:32:14,120
Speaker 5: a part pension. Yeah, and they get something out of

722
00:32:14,160 --> 00:32:17,960
Speaker 5: that that they actually probably wanted. But they were, you know,

723
00:32:18,000 --> 00:32:20,160
Speaker 5: squirreling away all of their money because they were like,

724
00:32:20,200 --> 00:32:22,320
Speaker 5: we'll need as much as possible, and which is true.

725
00:32:22,760 --> 00:32:25,280
Speaker 5: But then maybe they've got that. And we're just using

726
00:32:25,320 --> 00:32:27,480
Speaker 5: this as an example because I know lots of people

727
00:32:27,520 --> 00:32:29,920
Speaker 5: are not retiring with four hundred and seventy thousand dollars

728
00:32:29,960 --> 00:32:33,400
Speaker 5: in superannuation, but then they've got that four seventy that

729
00:32:33,560 --> 00:32:36,640
Speaker 5: is not going to last them their entire life. But

730
00:32:36,720 --> 00:32:39,440
Speaker 5: they might every year take another twenty thousand dollars out

731
00:32:39,480 --> 00:32:42,400
Speaker 5: of their super and then have their pension of forty

732
00:32:42,440 --> 00:32:45,160
Speaker 5: one thousand dollars and have a sixty thousand dollars income,

733
00:32:45,800 --> 00:32:49,360
Speaker 5: And that is what retirement planning could look like for them.

734
00:32:49,600 --> 00:32:51,840
Speaker 5: I'm not saying that your parents are you know, flush

735
00:32:51,880 --> 00:32:54,520
Speaker 5: with cash, but in Australia, we are so lucky to

736
00:32:54,560 --> 00:32:57,120
Speaker 5: have a system that supports people being able to move

737
00:32:57,160 --> 00:33:00,320
Speaker 5: into retirement and live out their best lives. And I'm

738
00:33:00,320 --> 00:33:02,440
Speaker 5: not saying it's going to be, you know, an income

739
00:33:02,480 --> 00:33:04,400
Speaker 5: of like three hundred grand and they're living plush and

740
00:33:04,400 --> 00:33:06,600
Speaker 5: they go on to Italy and all of that. Like

741
00:33:06,800 --> 00:33:09,240
Speaker 5: they can retire, they can put food on the table,

742
00:33:09,280 --> 00:33:12,120
Speaker 5: they can still enjoy life and not have to work

743
00:33:12,200 --> 00:33:14,719
Speaker 5: full time for the rest of their lives. But in

744
00:33:14,800 --> 00:33:17,480
Speaker 5: saying that, we are seeing and I'm so passionate about this,

745
00:33:17,560 --> 00:33:20,200
Speaker 5: but we are seeing people choose to retire later, like

746
00:33:20,240 --> 00:33:22,560
Speaker 5: closer to seventy or seventy five, because they feel fit,

747
00:33:22,640 --> 00:33:25,040
Speaker 5: they feel healthy, and they feel well, and they're like, well,

748
00:33:25,680 --> 00:33:27,400
Speaker 5: I want to put more money into my superrow. I

749
00:33:27,440 --> 00:33:29,400
Speaker 5: want to continue to work so that I can have

750
00:33:29,560 --> 00:33:33,640
Speaker 5: more And that's valid as well. So have this conversation

751
00:33:33,720 --> 00:33:35,800
Speaker 5: with your parents. You don't know what their intentions are.

752
00:33:35,880 --> 00:33:38,600
Speaker 5: And just because the quote retirement age is sixty five

753
00:33:38,640 --> 00:33:41,040
Speaker 5: doesn't mean they have to tap out then, especially if

754
00:33:41,040 --> 00:33:44,160
Speaker 5: they're fit and well and healthy. Like there's also sorry

755
00:33:44,360 --> 00:33:46,720
Speaker 5: getting a little bit ahead of this, there is also

756
00:33:46,880 --> 00:33:49,240
Speaker 5: like the ability to do some part time work while

757
00:33:49,280 --> 00:33:51,960
Speaker 5: still getting your full time pension. So like there's up

758
00:33:52,040 --> 00:33:54,240
Speaker 5: to I think it's about eleven thousand dollars. Do not

759
00:33:54,320 --> 00:33:56,080
Speaker 5: quote me on that number because I haven't been a

760
00:33:56,080 --> 00:33:59,160
Speaker 5: financial advisor in a long time, but it's about eleven

761
00:33:59,200 --> 00:34:01,640
Speaker 5: thousand dollars worth of work you can do. So if

762
00:34:01,680 --> 00:34:03,800
Speaker 5: your dad wants to continue doing one or two days

763
00:34:03,800 --> 00:34:06,280
Speaker 5: a week or something, he might actually be able to

764
00:34:06,320 --> 00:34:10,880
Speaker 5: do that, maintain some like work life balance, and also retire.

765
00:34:11,719 --> 00:34:13,640
Speaker 5: So I just there's a lot you can do. And

766
00:34:13,680 --> 00:34:16,160
Speaker 5: I think a lot of people just assume fire out.

767
00:34:16,160 --> 00:34:17,880
Speaker 5: My parents don't have heaps, they're not going to be

768
00:34:17,920 --> 00:34:19,520
Speaker 5: able to retire, and it's going to come back on me.

769
00:34:20,200 --> 00:34:23,080
Speaker 5: You know what, I think that stepping into going hey,

770
00:34:23,520 --> 00:34:26,240
Speaker 5: I could actually help you with financial planning. It doesn't

771
00:34:26,239 --> 00:34:29,239
Speaker 5: mean it has to be your money. So let's maybe

772
00:34:29,440 --> 00:34:32,240
Speaker 5: move towards being able to help people that way, because

773
00:34:32,239 --> 00:34:33,719
Speaker 5: do you know how many people don't know what they're

774
00:34:33,719 --> 00:34:34,520
Speaker 5: able to access?

775
00:34:34,680 --> 00:34:36,520
Speaker 4: Yeah, and your time you thinking about it early, like

776
00:34:36,560 --> 00:34:39,399
Speaker 4: this is great time to figure it out exactly.

777
00:34:39,920 --> 00:34:42,960
Speaker 5: Exactly, and there's never like it's never too late. Yeah,

778
00:34:43,080 --> 00:34:46,320
Speaker 5: like there's always a way to make something work. Yeah, totally,

779
00:34:46,400 --> 00:34:48,799
Speaker 5: That's why I love financial planning anyway, Sorry, guys, we

780
00:34:48,800 --> 00:34:50,080
Speaker 5: can do the juicy stuff now.

781
00:34:49,920 --> 00:34:53,759
Speaker 4: All right, this week's m when a little something like this, Hey,

782
00:34:53,760 --> 00:34:55,800
Speaker 4: she's some money. This might be over the top, but

783
00:34:55,840 --> 00:34:58,719
Speaker 4: it's getting colder and my winter anxiety is setting in.

784
00:34:59,160 --> 00:35:01,920
Speaker 4: I live in a share and I'm really careful.

785
00:35:01,560 --> 00:35:02,240
Speaker 2: With my money.

786
00:35:02,440 --> 00:35:05,040
Speaker 4: I'll layer up sit under a blanket before I even

787
00:35:05,160 --> 00:35:08,040
Speaker 4: think about turning the heating on. But my housemate is

788
00:35:08,080 --> 00:35:11,040
Speaker 4: the total opposite. She'll crank the heating the second it's

789
00:35:11,040 --> 00:35:13,280
Speaker 4: cold and walk around in a T shirt like it's summer.

790
00:35:13,719 --> 00:35:15,960
Speaker 4: Every time I hear it kick on, I feel sick

791
00:35:16,040 --> 00:35:19,480
Speaker 4: thinking about the bill, our priorities are just so different.

792
00:35:19,760 --> 00:35:21,960
Speaker 4: She earns more than I do and doesn't seem to

793
00:35:22,000 --> 00:35:24,520
Speaker 4: think about the cost, and I literally lie in bed

794
00:35:24,560 --> 00:35:26,759
Speaker 4: worrying about it. I don't think it's fair that we

795
00:35:26,800 --> 00:35:29,120
Speaker 4: split the bill fifty to fifty because I barely use

796
00:35:29,120 --> 00:35:31,919
Speaker 4: the heater. I haven't said anything because I don't want

797
00:35:31,920 --> 00:35:34,640
Speaker 4: to be that housemate, but it's starting to really stress

798
00:35:34,680 --> 00:35:37,120
Speaker 4: me out. What do you even do in that situation?

799
00:35:39,719 --> 00:35:42,719
Speaker 2: I am the crank the heater housemate.

800
00:35:42,840 --> 00:35:47,240
Speaker 6: But I also think, like if you are living with someone,

801
00:35:47,520 --> 00:35:49,480
Speaker 6: this is the tricky thing about like housemates, and like

802
00:35:50,200 --> 00:35:53,279
Speaker 6: any kind of situation where you are put in a

803
00:35:53,320 --> 00:35:57,040
Speaker 6: position where like if you discuss how you're feeling, people

804
00:35:57,160 --> 00:35:58,759
Speaker 6: are I don't know what I'm trying to say, but

805
00:35:58,760 --> 00:36:01,359
Speaker 6: I think like in this dynamic, the likelihood of someone

806
00:36:01,400 --> 00:36:03,960
Speaker 6: getting defensive is so much higher for some reason in

807
00:36:04,000 --> 00:36:06,959
Speaker 6: like a sharehouse environment. So it's like it's very hard

808
00:36:06,960 --> 00:36:09,440
Speaker 6: to like just be like, oh, just communicate with them.

809
00:36:09,440 --> 00:36:13,319
Speaker 2: Because this is a very scary situation. I totally get that.

810
00:36:13,680 --> 00:36:16,640
Speaker 6: But hopefully your housemate is someone who is really really

811
00:36:16,680 --> 00:36:20,000
Speaker 6: open and really chill, really fair, really kind, and is

812
00:36:20,080 --> 00:36:21,080
Speaker 6: not going to be defensive.

813
00:36:21,680 --> 00:36:23,160
Speaker 2: That is the perfect scenario.

814
00:36:23,400 --> 00:36:24,920
Speaker 6: I do think it's you know, and I don't want

815
00:36:24,920 --> 00:36:26,759
Speaker 6: to be like, you know, communication is key, but I

816
00:36:26,800 --> 00:36:28,400
Speaker 6: think people grew up different. I feel like if you

817
00:36:28,680 --> 00:36:32,360
Speaker 6: grew up wanting to just blast the heater out, like

818
00:36:32,400 --> 00:36:34,560
Speaker 6: I grew up in a heater household, where like there's

819
00:36:34,600 --> 00:36:36,640
Speaker 6: not even for a single second, and there's no way

820
00:36:36,640 --> 00:36:38,560
Speaker 6: I'm going to be uncomfortable in my own house. And

821
00:36:38,600 --> 00:36:40,120
Speaker 6: then I moved in with a friend who was like,

822
00:36:40,320 --> 00:36:41,960
Speaker 6: just put a blanket on. I'm like, oh, please put

823
00:36:42,000 --> 00:36:43,640
Speaker 6: the heater on it. And she's like, put a blanket on,

824
00:36:43,840 --> 00:36:46,600
Speaker 6: just put some pants on, and like, but then once

825
00:36:46,640 --> 00:36:50,359
Speaker 6: I move from the blanket and I'm in the air again,

826
00:36:50,480 --> 00:36:53,640
Speaker 6: I'm freezing cold and I just want to move around

827
00:36:53,640 --> 00:36:55,680
Speaker 6: my home comfortably.

828
00:36:56,080 --> 00:36:57,719
Speaker 2: And she's like, no, it's you know, just chuck some

829
00:36:57,760 --> 00:36:59,400
Speaker 2: socks on, just put more socks.

830
00:36:59,160 --> 00:37:03,040
Speaker 6: On, that friendly pairs of socks anywhere I just put

831
00:37:03,080 --> 00:37:03,719
Speaker 6: the heater on.

832
00:37:04,080 --> 00:37:06,399
Speaker 2: And so like, I'm a heater girl because I want

833
00:37:06,400 --> 00:37:08,960
Speaker 2: the air to be warm. I want to move freely.

834
00:37:09,320 --> 00:37:11,919
Speaker 2: But I will also pay. I'll happily pay more.

835
00:37:12,040 --> 00:37:13,319
Speaker 5: You would hate living with me.

836
00:37:13,680 --> 00:37:15,680
Speaker 2: I hate cold.

837
00:37:15,719 --> 00:37:17,680
Speaker 5: You would because like even when the heater goes on,

838
00:37:17,800 --> 00:37:20,120
Speaker 5: Get this, guys, this is not a flex. Jess would

839
00:37:20,120 --> 00:37:22,200
Speaker 5: hate living with me as well. In fact, when just

840
00:37:22,200 --> 00:37:24,680
Speaker 5: comes to my house, I purposefully put the heater up

841
00:37:24,760 --> 00:37:26,640
Speaker 5: because I know she'll be more that's cue.

842
00:37:26,719 --> 00:37:28,120
Speaker 2: But like I will put the heater.

843
00:37:27,960 --> 00:37:30,319
Speaker 5: Up to a level when Jess is not in my

844
00:37:30,360 --> 00:37:32,480
Speaker 5: house that it just takes the edge off, like it

845
00:37:32,520 --> 00:37:35,200
Speaker 5: doesn't have to be warm. But like, girl, we're not

846
00:37:35,280 --> 00:37:37,719
Speaker 5: going to be living in twenty three degree heat. Like

847
00:37:37,760 --> 00:37:41,120
Speaker 5: you don't need heat twenty three degree heat, No, absolutely not,

848
00:37:41,239 --> 00:37:43,800
Speaker 5: and your house does not need to be twenty three degrees,

849
00:37:43,840 --> 00:37:47,720
Speaker 5: but like it can't be below like sixteen, that's ridiculous totally,

850
00:37:47,880 --> 00:37:49,680
Speaker 5: but like you know, I'll get it up to twenty

851
00:37:49,719 --> 00:37:51,160
Speaker 5: and then I'll turn off the heater.

852
00:37:52,440 --> 00:37:56,759
Speaker 7: Yeah, because you can wear socks and a blanky and

853
00:37:57,160 --> 00:38:00,600
Speaker 7: like it's just so not efficient energy why But also

854
00:38:00,640 --> 00:38:04,120
Speaker 7: like it's so expensive, like that's the bee it's so

855
00:38:04,200 --> 00:38:05,400
Speaker 7: expended expensive.

856
00:38:05,680 --> 00:38:08,640
Speaker 6: But if someone was like I'll pay seventy eighty percent

857
00:38:08,680 --> 00:38:09,640
Speaker 6: of the energy bill.

858
00:38:09,520 --> 00:38:11,719
Speaker 5: Yeah, but you're not having that conversation yet. So like

859
00:38:11,760 --> 00:38:13,319
Speaker 5: if your housemate had said that you're not going to

860
00:38:13,320 --> 00:38:15,279
Speaker 5: feel sick at night, are you, like you're not going

861
00:38:15,360 --> 00:38:17,840
Speaker 5: to be like worried about it. Just what would you

862
00:38:17,960 --> 00:38:19,080
Speaker 5: do if you and I had to time?

863
00:38:19,200 --> 00:38:20,160
Speaker 2: Like right in the middle.

864
00:38:20,320 --> 00:38:22,600
Speaker 4: So as you guys know, someone actually commented with this

865
00:38:22,640 --> 00:38:25,000
Speaker 4: on one of our reels very recently. We spoke about

866
00:38:25,239 --> 00:38:26,879
Speaker 4: do you remember we filmed it. It was like, what

867
00:38:26,960 --> 00:38:28,839
Speaker 4: would you not give up from your budget? And I said,

868
00:38:28,840 --> 00:38:30,879
Speaker 4: I don't think there's anything that I wouldn't cut if

869
00:38:30,880 --> 00:38:33,719
Speaker 4: I had to cut things. Yes, And someone commented and said, would.

870
00:38:33,560 --> 00:38:34,120
Speaker 2: Just give up her?

871
00:38:36,840 --> 00:38:40,080
Speaker 4: We've actually reduced our average temperature by two degrees this year.

872
00:38:41,520 --> 00:38:43,920
Speaker 2: It's important we did what it's better for the environment.

873
00:38:44,000 --> 00:38:45,920
Speaker 4: And also just like last year, one month we had

874
00:38:45,920 --> 00:38:47,839
Speaker 4: a bill it was eight hundred dollars and I nearly died.

875
00:38:48,239 --> 00:38:51,760
Speaker 2: I nearly died, but for the quarter, for the quarter

876
00:38:51,880 --> 00:38:52,360
Speaker 2: for the gas.

877
00:38:52,440 --> 00:38:53,600
Speaker 5: Now it was for a month.

878
00:38:54,280 --> 00:38:56,759
Speaker 4: Really yeah, and that's when I was I think our

879
00:38:56,800 --> 00:38:59,360
Speaker 4: house and this is the thing is we have high ceilings,

880
00:38:59,440 --> 00:39:01,520
Speaker 4: we have a bedroom house, Like it's not cheap to

881
00:39:01,560 --> 00:39:03,200
Speaker 4: heat so at all. Yeah, there's lots of things a

882
00:39:03,239 --> 00:39:05,680
Speaker 4: factor in. I would say, I agree, you got to

883
00:39:05,680 --> 00:39:07,879
Speaker 4: talk to your house mate because if they're like Beck

884
00:39:07,960 --> 00:39:09,279
Speaker 4: and they grew up in a household where you didn't

885
00:39:09,280 --> 00:39:10,319
Speaker 4: think about it. I grew up in a house that

886
00:39:10,360 --> 00:39:12,279
Speaker 4: didn't have heating as a child, like we did not

887
00:39:12,480 --> 00:39:16,320
Speaker 4: We had a one single flame heater on the wall.

888
00:39:16,520 --> 00:39:18,160
Speaker 2: That was it. Like, we didn't have central it teing,

889
00:39:18,239 --> 00:39:20,320
Speaker 2: So it's never something we thought about. As an adult,

890
00:39:20,360 --> 00:39:22,680
Speaker 2: I was like, oh my god, heating, this is mint.

891
00:39:23,080 --> 00:39:26,240
Speaker 4: Yeah, so I've just like gone really hard on the extreme.

892
00:39:26,560 --> 00:39:28,399
Speaker 4: But if you're someone who never had to think about it,

893
00:39:28,400 --> 00:39:30,799
Speaker 4: it might not even be occurring to them in the

894
00:39:30,840 --> 00:39:32,759
Speaker 4: way that it is to you. So I think that

895
00:39:33,160 --> 00:39:35,239
Speaker 4: by bringing it up, if they're as VI was saying,

896
00:39:35,239 --> 00:39:37,279
Speaker 4: if they're a nice person, they might just go, oh

897
00:39:37,360 --> 00:39:39,359
Speaker 4: my god, I'm so sorry. I hadn't even thought about that.

898
00:39:39,960 --> 00:39:42,400
Speaker 4: So hopefully if you approach them kindly, they can just

899
00:39:42,440 --> 00:39:45,120
Speaker 4: see it from your perspective. A good alternative if there's

900
00:39:45,120 --> 00:39:48,640
Speaker 4: someone like Beck who does want to live in warm air,

901
00:39:49,120 --> 00:39:49,600
Speaker 4: look at like.

902
00:39:49,600 --> 00:39:50,520
Speaker 2: A little space heater.

903
00:39:50,680 --> 00:39:54,080
Speaker 4: You can get some like relatively energy efficient ones nowadays,

904
00:39:54,360 --> 00:39:56,560
Speaker 4: and particularly like if you're sitting in a living room

905
00:39:56,680 --> 00:39:58,600
Speaker 4: or a bedroom, like you don't need to be heating

906
00:39:58,600 --> 00:40:00,919
Speaker 4: a house and all of it rooms if.

907
00:40:00,840 --> 00:40:02,520
Speaker 2: You're not using all of the roots totally.

908
00:40:02,560 --> 00:40:04,680
Speaker 4: So those little space heaters are great because then maybe

909
00:40:04,680 --> 00:40:08,040
Speaker 4: your housemate could heat whatever room they're into their hearts desire.

910
00:40:08,600 --> 00:40:10,640
Speaker 4: They can keep it toasty comfortable, the don't have to

911
00:40:10,680 --> 00:40:13,040
Speaker 4: feel bad, and the electricity is generally a lot more

912
00:40:13,040 --> 00:40:15,359
Speaker 4: affordable than gas as well. So if you can get

913
00:40:15,400 --> 00:40:17,359
Speaker 4: an energy efficient one, because there are some that are

914
00:40:17,400 --> 00:40:20,120
Speaker 4: really not zero energy efficient, that might be a good

915
00:40:20,160 --> 00:40:20,760
Speaker 4: middle ground.

916
00:40:20,880 --> 00:40:22,759
Speaker 2: But I think you just have a chat to them.

917
00:40:22,760 --> 00:40:25,680
Speaker 6: And I wasn't even thinking about it because we don't

918
00:40:25,719 --> 00:40:27,920
Speaker 6: really do the air con like household thing.

919
00:40:27,960 --> 00:40:28,200
Speaker 7: I was.

920
00:40:28,400 --> 00:40:31,880
Speaker 2: I was thinking about those little orange radiator heaters. You

921
00:40:31,920 --> 00:40:34,000
Speaker 2: put your heater blanket on, you get your radiated. You

922
00:40:34,000 --> 00:40:35,520
Speaker 2: know it's and so that's what I was.

923
00:40:35,719 --> 00:40:39,799
Speaker 4: So that's actually really clod blanket too. We recommended this

924
00:40:39,880 --> 00:40:41,520
Speaker 4: on stories recently.

925
00:40:42,320 --> 00:40:44,080
Speaker 2: Used to at the office.

926
00:40:44,600 --> 00:40:47,239
Speaker 4: If you're an officerity, you would need a heated tha

927
00:40:47,440 --> 00:40:49,320
Speaker 4: get it came out. I think you're about forty five dollars.

928
00:40:49,360 --> 00:40:51,520
Speaker 4: Aldie did them as a special wife a few weeks ago.

929
00:40:51,560 --> 00:40:54,799
Speaker 2: Forty five You would be shocked at how warm one

930
00:40:54,840 --> 00:40:57,240
Speaker 2: of those keeps you. A gift.

931
00:40:57,440 --> 00:41:00,319
Speaker 5: Also, I want to mention here because Becky said that

932
00:41:00,400 --> 00:41:02,919
Speaker 5: it was a really scary thing to have these conversations

933
00:41:02,960 --> 00:41:05,719
Speaker 5: with your housemate, and I totally get that. I think

934
00:41:05,800 --> 00:41:09,239
Speaker 5: when you're having these conversations, you also need to take

935
00:41:09,280 --> 00:41:11,240
Speaker 5: the emotion out of it. But you need to actually

936
00:41:11,280 --> 00:41:15,399
Speaker 5: look at how you're approaching situations like this. Because if Beck,

937
00:41:15,440 --> 00:41:16,800
Speaker 5: you and I live together and I came to you

938
00:41:16,880 --> 00:41:19,880
Speaker 5: and I said, you always have the heater on, immediately,

939
00:41:19,920 --> 00:41:22,200
Speaker 5: you're going to be different one hundred percent. So we

940
00:41:22,320 --> 00:41:25,760
Speaker 5: need to approach it. Hey, Beck, I'm actually really stressed

941
00:41:25,760 --> 00:41:27,759
Speaker 5: about the money side of things, and I noticed our

942
00:41:27,800 --> 00:41:30,759
Speaker 5: bill's really high, and I just I feel we're not

943
00:41:30,800 --> 00:41:33,680
Speaker 5: saying you do, We're saying I feel like we could

944
00:41:33,719 --> 00:41:37,360
Speaker 5: probably cut back on how much we use the heater

945
00:41:37,800 --> 00:41:40,360
Speaker 5: because I didn't realize how much it was, or you know,

946
00:41:40,480 --> 00:41:42,600
Speaker 5: you could even find some soft ways to integrate it,

947
00:41:42,680 --> 00:41:44,560
Speaker 5: be like I saw this TikTok about how much heaters

948
00:41:44,640 --> 00:41:46,719
Speaker 5: like actually cost and how much they bump up your bill,

949
00:41:46,840 --> 00:41:49,480
Speaker 5: or you know, I listened to this podcast, Like, you

950
00:41:49,520 --> 00:41:52,040
Speaker 5: don't have to immediately go you always have the heater.

951
00:41:52,239 --> 00:41:55,600
Speaker 5: The second you do that, you're making a defensive conversation

952
00:41:55,680 --> 00:41:57,479
Speaker 5: and they're not going to come to the table. They're

953
00:41:57,480 --> 00:42:00,160
Speaker 5: going to come to their own defense. So how do

954
00:42:00,200 --> 00:42:02,279
Speaker 5: you start a conversation where people are going to come

955
00:42:02,320 --> 00:42:05,200
Speaker 5: to the table as opposed to come to the defense.

956
00:42:05,600 --> 00:42:09,480
Speaker 5: So I think in any situation, whether it's your housemates

957
00:42:09,520 --> 00:42:11,960
Speaker 5: storing their stuff on your shelf in the fridge, or

958
00:42:11,960 --> 00:42:15,200
Speaker 5: if it is you, you know, trying to negotiate the heating.

959
00:42:14,920 --> 00:42:16,560
Speaker 2: Bill, it's a we thing.

960
00:42:16,719 --> 00:42:19,960
Speaker 5: We are in a household together and we are able

961
00:42:20,040 --> 00:42:21,960
Speaker 5: to have an impact on our finances.

962
00:42:22,120 --> 00:42:25,280
Speaker 6: It's also like the problem is that the energy prices

963
00:42:25,440 --> 00:42:27,640
Speaker 6: and you take the people out of it. It's like

964
00:42:27,880 --> 00:42:30,360
Speaker 6: you probably love your housemate and you guys have it exactly.

965
00:42:30,480 --> 00:42:33,200
Speaker 6: So that's why we need to tackle things as.

966
00:42:33,200 --> 00:42:35,120
Speaker 2: A group as opposed to this.

967
00:42:35,040 --> 00:42:38,280
Speaker 5: Housemate does one thing and another that just creates division

968
00:42:38,640 --> 00:42:40,200
Speaker 5: and it's just going to mean that that's a point

969
00:42:40,239 --> 00:42:43,120
Speaker 5: of contention. You might drop the conversation and never want

970
00:42:43,160 --> 00:42:44,440
Speaker 5: to come back to it because you're like, oh, we

971
00:42:44,560 --> 00:42:45,920
Speaker 5: just fought when that happened.

972
00:42:47,160 --> 00:42:48,040
Speaker 2: You want to hear what everyone else?

973
00:42:48,520 --> 00:42:50,439
Speaker 4: Yes, please alright it So the first thing we asked

974
00:42:50,440 --> 00:42:52,520
Speaker 4: over on Instagram was are you the type of person

975
00:42:52,560 --> 00:42:55,040
Speaker 4: who rugs up before you put the heating on? Sixty

976
00:42:55,080 --> 00:42:58,640
Speaker 4: one percent said yep, I'm a human burrito, twenty percent

977
00:42:58,680 --> 00:43:02,759
Speaker 4: said no, give me the warmth asap, and nineteen percent said,

978
00:43:03,040 --> 00:43:06,799
Speaker 4: in this economy, yeah, I am. Next, we said how

979
00:43:06,800 --> 00:43:08,200
Speaker 4: would you handle this situation?

980
00:43:08,840 --> 00:43:09,560
Speaker 2: Eighty percent of.

981
00:43:09,600 --> 00:43:11,680
Speaker 4: People said, girl, you got to bring it up asap,

982
00:43:12,120 --> 00:43:14,160
Speaker 4: nine percent of people said I'm just going to live

983
00:43:14,200 --> 00:43:17,400
Speaker 4: with it, and twelve percent of people said I'd passive

984
00:43:17,400 --> 00:43:19,040
Speaker 4: aggressively start dropping some hints.

985
00:43:19,160 --> 00:43:22,319
Speaker 5: Okay, no, no passive aggressiveness. No one wants to live

986
00:43:22,440 --> 00:43:24,040
Speaker 5: with someone who's passive aggressive.

987
00:43:24,280 --> 00:43:24,440
Speaker 6: No.

988
00:43:24,480 --> 00:43:28,759
Speaker 2: It makes people stop leaving notes on things. Stop it. Yeah, yeah,

989
00:43:28,840 --> 00:43:30,480
Speaker 2: awkward chats in the group text.

990
00:43:30,440 --> 00:43:31,640
Speaker 5: Yeah, stop leaving the house.

991
00:43:31,680 --> 00:43:34,280
Speaker 2: They're sending a group message. Come that out.

992
00:43:34,440 --> 00:43:36,520
Speaker 4: Lastly, we said give us your two cents. We definitely

993
00:43:36,520 --> 00:43:40,280
Speaker 4: got some thoughts. Firstly, somebody said, I implemented a five

994
00:43:40,400 --> 00:43:43,480
Speaker 4: clothing rule in my sharehouse, but I must be wearing

995
00:43:44,080 --> 00:43:47,080
Speaker 4: pants atop a jumper, socks and slippers before.

996
00:43:46,840 --> 00:43:50,520
Speaker 2: The eating grace on. Wow, I kind of don't hate it. Yeah,

997
00:43:50,760 --> 00:43:53,520
Speaker 2: I actually like it. I think it's fair too.

998
00:43:54,120 --> 00:43:56,840
Speaker 4: Next, somebody said to me, eating is a basic necessity,

999
00:43:56,880 --> 00:43:58,960
Speaker 4: and I give up other things before I gave up heating,

1000
00:43:59,120 --> 00:44:02,080
Speaker 4: which is also a very fair take. Somebody else said,

1001
00:44:02,239 --> 00:44:04,520
Speaker 4: you have to take the downsides with the upsides of

1002
00:44:04,560 --> 00:44:08,240
Speaker 4: sharing a house. It is cheaper for a reason, which

1003
00:44:08,280 --> 00:44:09,080
Speaker 4: is kind of a good point.

1004
00:44:09,120 --> 00:44:10,919
Speaker 5: Yeah, but it's not if you just have the heater

1005
00:44:10,960 --> 00:44:11,600
Speaker 5: on the whole time.

1006
00:44:11,680 --> 00:44:14,840
Speaker 4: Well, yeah, I could probably pay more, more less and

1007
00:44:14,880 --> 00:44:17,680
Speaker 4: live on your own exactly. Somebody else said, I'd want

1008
00:44:17,680 --> 00:44:20,319
Speaker 4: to have proof that it makes a significant difference before

1009
00:44:20,320 --> 00:44:21,319
Speaker 4: I bother bringing it up.

1010
00:44:21,400 --> 00:44:24,080
Speaker 5: So I just look at your winter versus your summer bill. Yeah,

1011
00:44:24,080 --> 00:44:28,000
Speaker 5: there's your proof, or year on year potentially even before

1012
00:44:28,120 --> 00:44:28,799
Speaker 5: Jess moved in.

1013
00:44:29,680 --> 00:44:33,879
Speaker 4: Yeah, cheaper or also get a heat pack. Heat packs

1014
00:44:33,880 --> 00:44:35,560
Speaker 4: a great for heating. That's another one I've got true.

1015
00:44:35,760 --> 00:44:39,400
Speaker 4: Somebody else said, I've been in this exact situation. I said, nothing,

1016
00:44:39,640 --> 00:44:41,959
Speaker 4: my house makes work from home and had the heating

1017
00:44:42,000 --> 00:44:42,960
Speaker 4: on twenty four to seven.

1018
00:44:43,320 --> 00:44:45,520
Speaker 2: This is also a great point one person.

1019
00:44:45,400 --> 00:44:47,600
Speaker 4: Because I'm the work from home person. But I just

1020
00:44:47,640 --> 00:44:49,239
Speaker 4: don't turn the heater on like we have it on

1021
00:44:49,280 --> 00:44:51,600
Speaker 4: in the morning to bring it up to like, you know,

1022
00:44:51,719 --> 00:44:54,880
Speaker 4: nineteen degrees twenty degrees, and then I'll leave it off

1023
00:44:55,120 --> 00:44:56,960
Speaker 4: snug with a heat bag and then it goes on

1024
00:44:57,000 --> 00:45:00,359
Speaker 4: the evening when we're both home. Oh cute, Like, maybe

1025
00:45:01,160 --> 00:45:03,200
Speaker 4: that's what we try, you know, maybe there's a middle ground.

1026
00:45:03,640 --> 00:45:05,799
Speaker 4: Somebody else said bring it up, but be prepared that

1027
00:45:05,840 --> 00:45:09,680
Speaker 4: they'll probably have grievances to raise tu Yeah.

1028
00:45:09,840 --> 00:45:13,440
Speaker 2: Yeah, that's well. Start stealing our cereal.

1029
00:45:13,600 --> 00:45:18,080
Speaker 4: Yeah, stop leaving your socks next to the laundry basket.

1030
00:45:19,200 --> 00:45:20,920
Speaker 2: I've had a conversation about that.

1031
00:45:21,520 --> 00:45:25,560
Speaker 4: And lastly somebody said hide the remote and then plead innocence.

1032
00:45:26,520 --> 00:45:27,520
Speaker 2: She's just disappeared.

1033
00:45:30,080 --> 00:45:31,680
Speaker 6: Yeah, because there's no like, it's not like a TV

1034
00:45:31,840 --> 00:45:33,960
Speaker 6: with like another button on the thing. Maybe there is,

1035
00:45:33,960 --> 00:45:35,520
Speaker 6: I don't know is a.

1036
00:45:35,440 --> 00:45:39,960
Speaker 5: Wall one, but it tends ours has the remote sitting

1037
00:45:40,000 --> 00:45:41,799
Speaker 5: on the wall. I'm pulling it off.

1038
00:45:42,000 --> 00:45:44,880
Speaker 4: Yeah, I just no, it definitely wasn't me. I definitely

1039
00:45:44,880 --> 00:45:45,759
Speaker 4: I never turned the heating on.

1040
00:45:45,760 --> 00:45:49,160
Speaker 2: I don't know whether I'm a really budget friendly option.

1041
00:45:49,560 --> 00:45:51,759
Speaker 5: You can actually have a baby and then you can

1042
00:45:51,920 --> 00:45:54,480
Speaker 5: blame the remote going missing on the baby.

1043
00:45:54,719 --> 00:45:58,160
Speaker 2: He must have run off with it, Yeah, must have

1044
00:45:58,239 --> 00:46:01,360
Speaker 2: been months. You're going to be just fine.

1045
00:46:01,440 --> 00:46:05,200
Speaker 5: They're going to be financially flush, and I think that's it.

1046
00:46:06,719 --> 00:46:09,080
Speaker 2: I'm going to see me out. I hope you feeling

1047
00:46:09,200 --> 00:46:09,400
Speaker 2: had it.

1048
00:46:09,440 --> 00:46:12,359
Speaker 4: Next week, VD, we miss your toes, but you can

1049
00:46:12,400 --> 00:46:14,200
Speaker 4: hear on Monday.

1050
00:46:14,680 --> 00:46:18,320
Speaker 2: That was recorded before this. I think it's quite sexy.

1051
00:46:18,440 --> 00:46:18,759
Speaker 1: You don't.

1052
00:46:19,239 --> 00:46:20,080
Speaker 2: That's very nice.

1053
00:46:20,120 --> 00:46:22,160
Speaker 5: That's very nice. We'll see you next week, guys.

1054
00:46:22,280 --> 00:46:22,840
Speaker 2: Bye guys.

1055
00:46:22,920 --> 00:46:31,080
Speaker 3: By The advice shared on She's on the Money is

1056
00:46:31,160 --> 00:46:34,760
Speaker 3: general in nature and does not consider your individual circumstances.

1057
00:46:35,120 --> 00:46:37,239
Speaker 2: She's on the Money exists purely for.

1058
00:46:37,320 --> 00:46:40,160
Speaker 3: Educational purposes and should not be relied upon to make

1059
00:46:40,200 --> 00:46:42,080
Speaker 3: an investment or financial decision.

1060
00:46:42,480 --> 00:46:44,800
Speaker 2: If you do choose to buy a financial.

1061
00:46:44,280 --> 00:46:48,200
Speaker 3: Product, read the PDS TMD and obtain appropriate financial.

1062
00:46:47,880 --> 00:46:49,680
Speaker 2: Advice tailored towards your needs.

1063
00:46:50,040 --> 00:46:53,960
Speaker 3: Victoria Divine and She's on the Money are authorized representatives

1064
00:46:54,040 --> 00:46:57,239
Speaker 3: of money sirper Pty lt D. A b N three

1065
00:46:57,280 --> 00:46:59,880
Speaker 3: two one is six four nine two seven seven z

1066
00:47:00,120 --> 00:47:02,840
Speaker 3: roe eight a f s L four five one two

1067
00:47:02,840 --> 00:47:03,359
Speaker 3: eight nine

1068
00:47:13,320 --> 00:47:13,799
Speaker 2: Mm hmm