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Speaker 1: She's on the Money. She's on the Money.

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

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Speaker 2: for millennials who want financial freedom. My name is Georgia King.

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Speaker 2: I'm a copywriter and journalism student, and each week I

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Speaker 2: sit down to chat all things financed with Melbourne based

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Speaker 2: money Wizard and new dog o' mum Victoria to find Victoria.

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Speaker 3: Hello dog. I love that introduction. So you're not going

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Speaker 3: to be able to say journalism student for all that

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Speaker 3: much longer, are you, dug Joy King?

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Speaker 1: Well, one more semester, all right, so I mean it'll

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Speaker 1: be next year.

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Speaker 3: Still, all right, let's milk it for all it's worth.

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Speaker 3: Carry on now.

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Speaker 2: Twenty twenty has been a year. It's been garbage fiery

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Speaker 2: in more ways than one, and most of us are

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Speaker 2: very ready to say see you later to the year

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Speaker 2: that was. But what if we learned and what financial

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Speaker 2: lessons do we want to take with us into twenty

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Speaker 2: twenty one and beyond. Plus we'll be hearing a listener

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Speaker 2: question about the association between guilt and spending, and we

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Speaker 2: hear from a money diarist whose partner had a secret

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Speaker 2: gambling habit.

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Speaker 1: So a lot to.

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Speaker 2: Get to today, Victoria as always. But before we get

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Speaker 2: there money wins or confessions from the week, what have

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Speaker 2: you got for me?

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Speaker 3: You are not going to expect this, Georgia, Are you

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Speaker 3: ready talk to me? I've bought more dog stuff. What

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Speaker 3: you never? It's getting a bit excessive, but I'm here

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Speaker 3: for it, and I have no regrets. No rag rats,

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Speaker 3: I think is what the cool kids say, do they say?

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Speaker 3: Though they probably don't, But that's okay. I've been buying

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Speaker 3: really obnoxious dog stuff. Obviously. I have just gotten a puppy.

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Speaker 3: For those of you who don't know, you probably should

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Speaker 3: because it's all they talk about nowadays. I've been buying

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Speaker 3: dog bows like things that she can dress up in

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Speaker 3: at Christmas time, because I'm obviously going to have a

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Speaker 3: puppy at Christmas, and that's really novel and I'm really ridiculous.

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Speaker 3: I'd also like to just take this time to let

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Speaker 3: you know, Georgia, that it is aligned to my values.

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Speaker 3: So yeah, I'll continue to spend this way on ridiculous

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Speaker 3: dog things. In saying that these ridiculous dog things are

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Speaker 3: like three or four dollars each, we're not talking I'm

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Speaker 3: spending thousands of dollars on like a Gucci dog tracksuit.

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Speaker 3: People do that, Yeah, they do, and that does actually exist.

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Speaker 3: So like I'm not there yet.

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Speaker 1: Yes, but it's a slippery slope.

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Speaker 3: Yeah I can in the world of Dog Georgia.

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Speaker 2: Have you got a money win or confession for us

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Speaker 2: this week? I do, Okay, I'm going to go with

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Speaker 2: a money win this week. I've got a couple written

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Speaker 2: down that I'm going to divvy out across the journey.

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Speaker 2: So this one, as you guys know because I talk

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Speaker 2: about it all the time, I've recently moved out with

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Speaker 2: my partner.

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Speaker 3: Oh my god, you've moved out with a partner.

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Speaker 2: Anyway, we so we were doing our big shop, went

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Speaker 2: to Ika, did all of that. You know, I got

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Speaker 2: that river frame I was talking about last time.

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Speaker 3: And to go to a Kia. It's like a ride

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Speaker 3: of passage when you moved out with a partner for

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Speaker 3: the first time, Like you have to go to Ikea.

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Speaker 3: If you didn't, I'm pretty sure your relationships doomed.

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Speaker 2: Yeah. Well it was pretty intense. Like as I said

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Speaker 2: last time, Ikea on a Sunday, wof.

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Speaker 1: It is busy.

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Speaker 3: I don't know why you did that to yourself, But

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Speaker 3: that's okay.

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Speaker 2: I know, and it was the weekend we moved as well. Anyway,

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Speaker 2: story for another time.

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Speaker 1: I digress.

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Speaker 2: So the other thing that is essential as well as

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Speaker 2: going to Ikea is decking your house full of plants.

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Speaker 3: Yes, also very essential, but you know.

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Speaker 1: They can set you back. They can set you back

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Speaker 1: a lot.

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Speaker 3: They are very expensive, especially when you're trying to be

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Speaker 3: fancy plant lady.

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Speaker 1: Yeah, so this wasn't that fancy.

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Speaker 2: Harps and I were walking back inside from our big

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Speaker 2: day at Ikea and there was this giant plant next

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Speaker 2: to the rubbish bit like on our way back into

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Speaker 2: the apartment building.

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Speaker 3: Oh okay.

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Speaker 1: I was like, mmm, is that for free?

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Speaker 3: And like it was.

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Speaker 1: It's a little bit dingy. So it was in this pot.

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Speaker 3: You can bring it back to life. You are so

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Speaker 3: full of love to give this plant. It's going to thrive.

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Speaker 2: And I know that's what I've done. So we took

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Speaker 2: it kind of a little.

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Speaker 3: Bit like, sure, someone wasn't in the middle of moving

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Speaker 3: house and they just put their plant there for sub origin,

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Speaker 3: You've stolen someone.

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Speaker 2: To be honest, I'm not entirely sure that that is

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Speaker 2: not That's.

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Speaker 3: A very nice welcome to their community. Georgia is the resident.

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Speaker 1: I'll take that tree. But look, I've never been happier.

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Speaker 1: Free plant for George.

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Speaker 2: I probably know it was honest, Like, it's not they

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Speaker 2: were an unattended plant.

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Speaker 1: Unattended.

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Speaker 2: It was dingy, but it was dead leaves. Yeah, so

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Speaker 2: money win. Look out for things near the bin.

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Speaker 3: I love that. I love plants. I feel like those

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Speaker 3: of you who actually follow me on Instagram. No, I'm

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Speaker 3: a bit obsessed with my plants. I've started propagating again.

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Speaker 1: What does that mean?

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Speaker 3: Yeah, so propagating where you take a leaf or like

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Speaker 3: a stem of a plant create a new plant.

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Speaker 1: Who oh yeah, yeah, I do know what that is.

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Speaker 3: It's kind of like the debt free community on Instagram. Like,

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Speaker 3: if you don't know about it, you're like, what is that?

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Speaker 3: But then once you learn about the debt free community

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Speaker 3: on Instagram, it's a massive rabbit warren. Yeah sure, same

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Speaker 3: with the plant Instagram.

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Speaker 1: I love how you tit it all back to finance.

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Speaker 1: That's what she does.

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Speaker 3: Welcome, That's what we're here to do. Let's move on

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Speaker 3: before our rabbit warren gets any.

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Speaker 2: Deepers, let's move right across to the Facebook community. Vickid

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Speaker 2: your favorite post this week? Last one of twenty twenty.

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Speaker 2: What have you got for me?

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Speaker 3: All Right? So this week I have a post that

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Speaker 3: I have found from Emma, and I actually thought it

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Speaker 3: was a little bit inspirational which I wanted to share

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Speaker 3: because I want you guys to kind of do this

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Speaker 3: as well. So Emma posted and she said, recently I

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Speaker 3: discovered the term one man's trash is another man's treasure,

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Speaker 3: and this has never been more relatable. Leading up to

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Speaker 3: the festive season, she thought that she would have a

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Speaker 3: go at selling some of her unwanted stuff on Facebook marketplace.

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Speaker 3: She thought what was going to be like a few

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Speaker 3: dollars here and there actually ended up being more than

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Speaker 3: seven hundred and fifty dollars, and she's actually still got

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Speaker 3: more items pending to be sold. So I thought that

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Speaker 3: was kind of epic, especially going into the silly season

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Speaker 3: where most of us are a little bit cash strapped.

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Speaker 3: She said, these were legit, just small things lying around

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Speaker 3: my room and my house which had absolutely no value

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Speaker 3: to me. And she's also met some really lovely people

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Speaker 3: who actually told me these were Christmas items for friends

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Speaker 3: and family. So I really like that. I feel like

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Speaker 3: it's such as she's on the money thing to do,

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Speaker 3: which is why I wanted to share it. So thank

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Speaker 3: you Emma for posting that. ILER actually love it.

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Speaker 1: Well done.

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Speaker 3: Have you got one that could rival Emma's post?

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Speaker 2: I do so mineus from Jess and it's a boozy

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Speaker 2: money win so.

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Speaker 3: She was, I like that we use words like boozie

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Speaker 3: and bougie interchangeably.

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Speaker 2: We do. Yeah, absolutely take a shot now. She was

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Speaker 2: catching up with some friends at a winery recently and

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Speaker 2: noticed a barrel of wine bottles for ten dollars each.

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Speaker 3: Oh, winery wines are never ten dollars.

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Speaker 2: No, no, no, they are expensive. Anyway, she got them

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Speaker 2: for ten dollars. It was something to do with the

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Speaker 2: labels being like they were mislabeled, but they were completely fine,

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Speaker 2: so usually they would retail between twenty and thirty six

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Speaker 2: dollars at the cellar door. So she, you know, got

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Speaker 2: them for a hot bargain and she's also supporting the winery.

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Speaker 1: So cheers to you, Jeff. Enjoy those peppos.

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Speaker 3: Yes, I love that, and I think that we would

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Speaker 3: all agree that wine tastes the same regardless of what

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Speaker 3: the label says. If it was wrong, I don't mind

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Speaker 3: for sure. If you have enough glasses. You probably can't

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Speaker 3: read the label anyway. I hey, love that drink responsibly. Friends.

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Speaker 2: Of course, now they let's move across to the main

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Speaker 2: chat for today's show. So just a little disclaimer, this

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Speaker 2: show will work a little bit differently from usual. It's

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Speaker 2: not going to be as stat heavy as usual. It's

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Speaker 2: going to be more reflective.

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Speaker 3: I really like when you go full stats.

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Speaker 2: Like there's a couple of stats in there, but it's

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Speaker 2: not like as intense. It's basically going to be a

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Speaker 2: reflection on the year that has been twenty twenty. Obviously,

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Speaker 2: it's been extremely hard for most of us, I would say,

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Speaker 2: So what we want to do is look back and

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Speaker 2: pick apart the things that we've learned and kind of

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Speaker 2: just reflect on the year that was to kind of

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Speaker 2: go into next year all guns blazing one percent.

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Speaker 3: But before we get there, Yea, Georgia and I were

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Speaker 3: having a chat before and I'm obviously one of those

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Speaker 3: big inspirational quote people love a good poem, love a

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Speaker 3: good inspo post, and I found a really beautiful one online.

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Speaker 3: It is a poem that was written by a lovely

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Speaker 3: lady called Laura ding Edwards, and I wanted to share

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Speaker 3: that with you before we started, because as much as

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Speaker 3: it's all about celebration, I feel like these really encapsulated

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Speaker 3: everything that is She's on the money, that is me,

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Speaker 3: that is you, Georgia. And I read it to you

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Speaker 3: and you were like, yes, that is literally true. Yeah,

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Speaker 3: I think it was really special. So I'll read that

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Speaker 3: out for you friends, because it's story time with V

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Speaker 3: and I think that this is actually just too beautiful

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Speaker 3: to summarize, you know, maybe the feelings we should have

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Speaker 3: going into twenty twenty one. So the poem by Laura

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Speaker 3: ding Edwards is called the Mountain. If the mountain seems

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Speaker 3: too big today, then climb a hill instead. If the

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Speaker 3: morning brings you sadness, it's okay to stay in bed.

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Speaker 3: If the day ahead weighs heavy and your plans feel

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Speaker 3: like a curse, There's no shame in rearranging. Don't make

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Speaker 3: yourself feel worse. If a shower stings like needles, and

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Speaker 3: a bath feels like you'll drown. If you haven't washed

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Speaker 3: your hair for days, don't throw away your crown. A

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Speaker 3: day is not a lifetime. A rest is not defeat.

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Speaker 3: Don't think of it as a failure. Just a quiet,

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Speaker 3: kind retreat. It's okay to take a moment from an anxious,

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Speaker 3: fractured mind. The world will not stop turning when you

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Speaker 3: get realigned. The mountain will still be there when you

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Speaker 3: want to try again, you can climb it in your

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Speaker 3: own time. Just love yourself till then.

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Speaker 1: I put that on a pillow.

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Speaker 2: I mean, it would be too many words for a pillow,

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Speaker 2: but it'd be a big pillow, a huge pillow.

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Speaker 3: I think it could be a really great Instagram post.

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Speaker 3: So we'll do that and chuck it in a newsletter

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Speaker 3: this week, because genuinely, I just feel like that's the

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Speaker 3: type of energy that we should be encompassing and encapsulating

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Speaker 3: all the way through till twenty twenty one. And essentially,

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Speaker 3: to summarize all of that, just be kind to yourselves

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Speaker 3: and let's get onto a bit more of an exciting topic.

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Speaker 2: Let's do it, okay, So we start us off by

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Speaker 2: talking me through what you've learned this year. It's obviously

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Speaker 2: been a massive year for you in a professional sense,

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Speaker 2: a personal sense. A lot has happened, So give our

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Speaker 2: listeners a little bit of insight into how it's all

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Speaker 2: been for.

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Speaker 3: Oh my gosh, twenty twenty wash an absolute garbage flyer.

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Speaker 3: But also at the same time, it would be really

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Speaker 3: naive of me to say that it wasn't one of

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Speaker 3: the best years for me. Ever, that She's on the

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Speaker 3: Money community has grown and grown and we have this

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Speaker 3: epic community of literally more than one hundred thousand people. Now,

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Speaker 3: I am so proud. It makes me cry, it is

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Speaker 3: so epic. I'm also in this really fortunate position where

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Speaker 3: we have hired a number of people to join that

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Speaker 3: She's on the Money team. Like, We've got a new producer, Beck,

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Speaker 3: she's a legend. We've obviously got Ryan John who's been

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Speaker 3: here for a while. I've hired Jess and she is

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Speaker 3: going to be a community manager. She is my ea.

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Speaker 3: She is a content creator. She's honestly so beautiful, and

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Speaker 3: I'm so grateful for her to have started. We've got Stephie,

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Speaker 3: who's going to be the person that you guys will

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Speaker 3: hear from when you feel in our inquiries to get

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Speaker 3: matched with your perfect broker or accountant or financial advisor.

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Speaker 3: And to be honest, I never saw this coming. I

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Speaker 3: didn't think She's on the Money would grow that way. Obviously,

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Speaker 3: Georgia King, I've got you, and I've got Tenaya, and

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Speaker 3: I feel very grateful for everybody. But at the end

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Speaker 3: of the day, like as much as the community has

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Speaker 3: grown and has been so special, I'm not gonna lie

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Speaker 3: took a massive impact mentally for me. I think the

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Speaker 3: whole team knows. This hasn't been the easiest year on me.

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Speaker 3: It has been incredibly hard. I've gone through a number

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Speaker 3: of health issues. I stressed so much Georgia that I

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Speaker 3: gave myself shingles.

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Speaker 1: I don't think I knew that.

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Speaker 3: No, I don't really talk about it because it's just

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Speaker 3: not that interesting my friends. But at the end of

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Speaker 3: the day, I think it would be really silly of

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Speaker 3: me to not talk about the not so shiny side

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Speaker 3: of this, Like I've put myself in a position where

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Speaker 3: I have ended up really, really sick and had to

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Speaker 3: spend a number of days in bed. But I also

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Speaker 3: think that that's you know, I'm not gonna normalize that.

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Speaker 3: That's actually not okay. Shouldn't have burnt myself out like that.

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Speaker 3: I should have taken a break. But I'm just really

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Speaker 3: passionate about what I do on a personal front.

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Speaker 1: Georgia, a little bit's been going on.

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Speaker 3: Got a dog.

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Speaker 1: She's sitting beneath the table right now.

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Speaker 3: Yeah, but she's officially an office dog, so she'll be

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Speaker 3: in all of the She's on the Money recordings moving forward.

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Speaker 3: I got Henry the cat because obviously we all decided

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Speaker 3: I sow pets, ruthing love. Henry obviously have Bailey. So

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Speaker 3: now I'm the pet mum of three pets, which I

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Speaker 3: didn't see coming. And on a more exciting front that

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Speaker 3: I haven't announced, but if you're listening to the pod,

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Speaker 3: you get to know, Georgia, I bought my first home

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Speaker 3: this year, I know, and yeah, we haven't spoken about

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Speaker 3: it yet, but you best believe I've already filmed a

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Speaker 3: home tour. You guys will be the first to know.

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Speaker 3: I'll show you all around because it's essentially the house

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Speaker 3: that She's on the Money built, And to be honest,

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Speaker 3: that's so special. So Steve and I we bought a home,

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Speaker 3: we bought a dog, and I feel like that's just

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Speaker 3: really adult, Like I tap out there, Georgia, how's yours been?

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Speaker 3: I know it's been a bit weird, a bit big

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Speaker 3: bit everywhere. What's been going on with you? Yeah?

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Speaker 2: So similarly, I guess i'd like to start out by

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Speaker 2: acknowledging my privilege. My god, it's been such a hard

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Speaker 2: time for everyone. But yeah, it has been a really

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Speaker 2: just really bizarre. Yeah, as most of you guys would know,

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Speaker 2: I was living at home with my parents for most

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Speaker 2: of this year. Back out now with Harper As I

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Speaker 2: was just saying, and you know, wasn't working, was working

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Speaker 2: a little bit then was doing a degree. Like it

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Speaker 2: was just kind of not what I expected in any way.

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Speaker 3: I think that's exactly what everybody feels. It's just not

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Speaker 3: what we expected. I mean, obviously good and bad things

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Speaker 3: have happened this year, but like, this is not what

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Speaker 3: we expect.

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Speaker 2: No unprecedented is you know, the buzzword that we won't

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Speaker 2: miss when this is all over. I think it's really

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Speaker 2: made me appreciate those luxuries that were afforded living in Australia.

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Speaker 1: Now that Melbourne has opened up.

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Speaker 2: Oh yeah, I just feel really lucky, I think, and

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Speaker 2: I'll never take really anything for granted again. So big

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Speaker 2: yea big year. And it's also it's obviously been amazing

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Speaker 2: being a bigger part of She's on the money and

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Speaker 2: working with UV and you know, getting to know everyone

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Speaker 2: a little bit more in the community and Yeah, just

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Speaker 2: really grateful, feeling.

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Speaker 3: More bit fuzzy, I know, right, Yeah, I feel like

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Speaker 3: it's time that we had a She's on the Money,

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Speaker 3: a bit of a party at some point, socially distanced event. Yeah,

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Speaker 3: it'll be a socially distanced event, maybe one for the team,

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Speaker 3: and then maybe in twenty twenty one, when we're allowed

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Speaker 3: all back together, we should have a legit She's on

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Speaker 3: the Money.

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Speaker 1: Party, stunning pencil that allow She's.

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Speaker 3: On the Money friends. Yeah, someone messaged me the other day. Actually,

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Speaker 3: this is such an off topic episode, but I really

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Speaker 3: like it. Someone messaged me the other day and they're like,

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Speaker 3: oh my god, I'm so sorry to be messaging you,

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Speaker 3: but I really wanted to just share my money when

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Speaker 3: with you. You probably think it's really weird that listeners

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Speaker 3: are writing in. No, No, we're just friends that haven't

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Speaker 3: met yet. Like we just we haven't met yet. And

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Speaker 3: at the end of the day, I'm so excited to

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Speaker 3: hear from you. I want to hear your money wins,

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Speaker 3: I want to hear your confessions. I want to answer

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Speaker 3: your questions and be a part of that. And that's

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Speaker 3: what She's on the Money is growing plans to h

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Speaker 3: so that I can be more available to you guys,

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Speaker 3: and I can be a part of that journey.

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Speaker 2: We'll move along to the next point here, fee. So

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Speaker 2: in terms of the biggest things that have come out

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Speaker 2: of the year in a financial sense, obviously many of

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Speaker 2: us have lost our jobs, many of us have taken

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Speaker 2: pay cuts. We were in a recession. Now we're out

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Speaker 2: of a recession, I think apparently, yeah, currently, But the

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Speaker 2: first thing I wanted to talk to you about is

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Speaker 2: the stat that Ozzie's savings are up at the highest

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Speaker 2: they have been since the nineteen seventy APIs. Obviously that's

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Speaker 2: because we haven't been able to travel or go out,

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Speaker 2: so that's where they're staying. A good stat Yeah, I

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Speaker 2: couldn't have myself, But I wanted to ask you a

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Speaker 2: couple of things. So the first, what do you think

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Speaker 2: people should be doing if they do now have a

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Speaker 2: little bit of extra money in their accounts, so maybe

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Speaker 2: a few extra grand or something like that. And then

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Speaker 2: my second question is how you've seen people's attitudes towards

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Speaker 2: money change this year.

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Speaker 3: I think it's absolutely not the case for everybody, though

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Speaker 3: I know that those stats are up, and that is

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Speaker 3: so epic and I think that there's you know, a

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Speaker 3: lot to do with the fact that lots of us

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Speaker 3: weren't able to go out and some of us were

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Speaker 3: a little bit less frugal with our money, and we

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Speaker 3: were able to just spend, spend, spend because we were

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Speaker 3: leaving the house every day. I do think that, you know,

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Speaker 3: it might not be super reflective of that She's on

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Speaker 3: the Money community, because I have been speaking to lots

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Speaker 3: of you about going through extreme disadvantage and you know,

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Speaker 3: not experiencing that. I just don't think it's the case

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Speaker 3: for every single She's on the Money community member, or

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Speaker 3: even every single Australian and for the people who lost

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Speaker 3: their jobs this year. You guys are obviously not going

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Speaker 3: to be able to relate to this at all. But

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Speaker 3: the stats do show us that on the whole, our

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Speaker 3: savings up, and I think that that's a really great thing.

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Speaker 3: It means that Australia in general is a little bit

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Speaker 3: more financially secure. I think there's also a high priority

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Speaker 3: that's come out of this year of having emergency savings

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Speaker 3: and having an emergency fund and being in a position

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Speaker 3: where you know, you have a little cash up our sleeves.

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Speaker 3: Because I think in some way, shape or form. No

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Speaker 3: matter what we've gone through, every single one of us

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Speaker 3: has experienced a little bit of a pang when it

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Speaker 3: came to talking about money this year. And I guess

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Speaker 3: that's not a great thing. But if you are one

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Speaker 3: of those people who has managed to up your savings,

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Speaker 3: then fantastic, my friend. My advice would actually be just

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Speaker 3: as smart as possible with that extra cash. View it

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Speaker 3: as what was the word last week, Georgia fun bungshible,

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Speaker 3: and as we discussed last week, let's just not think

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Speaker 3: of it as free money, like, if you've got savings,

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Speaker 3: let's make hay while the sun is shining. My friends,

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Speaker 3: we need to be putting that to work because at

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Speaker 3: the end of the day, we don't want to have

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Speaker 3: to go through what we went through again to have

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Speaker 3: those savings recuperated. So there are a few options that

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Speaker 3: we can look at here. The first is just saying tight,

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Speaker 3: pop that money into a high interest savings account and

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Speaker 3: just leave it as you would build up your savings

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Speaker 3: even further. I say high interest savings account, but our

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Speaker 3: savings rates are very low at the moment, and that

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Speaker 3: is also okay because that is just reflective of the

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Speaker 3: current interest rates and the current market. It is not

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Speaker 3: because the banks to do the wrong things. Actually they

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Speaker 3: can't afford to give us the saving rates that we've

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Speaker 3: had before. But you'll also notice that interest rates on

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Speaker 3: home loans are going down, which I know lots of

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Speaker 3: fever in our community are really excited about because it

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Speaker 3: means that they can save more money, or they can

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Speaker 3: put more money towards their mortgages and get out of

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Speaker 3: debt quicker, which I think is really special. And I

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Speaker 3: think that if this year has pushed you forward in

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Speaker 3: a position where you now want to start thinking about

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Speaker 3: bigger ways to make your money work for you, we

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Speaker 3: could actually look at investing on a micro or macro level,

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Speaker 3: or we could even look at property, depending on your circumstances.

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Speaker 3: The key thing I don't want those is our community

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Speaker 3: to be doing all of the spending of that newly

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Speaker 3: saved money. But sure treat yourself here and there like

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Speaker 3: not going to say no to that. We've had a

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Speaker 3: shocking year and sometimes we all need to seek a

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Speaker 3: little joy in the fun things in life, perhaps a

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Speaker 3: little massage at the end of the day. They'm a

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Speaker 3: be guilty of those, but wouldn't it be amazing if

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Speaker 3: we could take something positive out of this really hard

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Speaker 3: year and use it for the benefit of future us.

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Speaker 3: Like I'm always talking about future you, future us. I

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Speaker 3: think that they're really important and at the end of

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Speaker 3: the day, we should be putting them first right now,

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Speaker 3: like you went through this so that future you could

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Speaker 3: potentially be in a better position. The second part of

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Speaker 3: your question, because your question had a number, it was

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Speaker 3: a long components, so I'm cute, Georgia King, was how

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Speaker 3: I've seen other people's attitudes change towards money this year,

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Speaker 3: And to be honest, I think there have been a

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Speaker 3: number of ways that I've seen a shift. So some

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Speaker 3: people have actually just become really conservative with their money

437
00:19:27,880 --> 00:19:31,280
Speaker 3: and they're securing their finances for the unknown that's laying ahead,

438
00:19:31,680 --> 00:19:34,480
Speaker 3: which is kind of interesting. And others are spending big

439
00:19:34,520 --> 00:19:37,360
Speaker 3: now that those everyday luxuries of eating out and shopping

440
00:19:37,480 --> 00:19:39,840
Speaker 3: are all available to us. Again. I'm seeing this actually

441
00:19:39,840 --> 00:19:43,000
Speaker 3: in my own friends' groups because we are based in

442
00:19:43,040 --> 00:19:47,000
Speaker 3: Melbourne and we have arguably had the longest lockdown in

443
00:19:47,040 --> 00:19:50,119
Speaker 3: the history of ever. You know that could change. I

444
00:19:50,119 --> 00:19:52,840
Speaker 3: feel like COVID isn't over and we don't know what's

445
00:19:53,000 --> 00:19:55,560
Speaker 3: lying ahead of us. Yeah, and some people just haven't

446
00:19:55,600 --> 00:19:57,520
Speaker 3: changed at all and they're just continuing on with the

447
00:19:57,520 --> 00:19:59,400
Speaker 3: way that they always have, which I think is kind

448
00:19:59,400 --> 00:20:01,760
Speaker 3: of cool as well. So I think everybody is different.

449
00:20:01,800 --> 00:20:04,320
Speaker 3: All of those things are fine. The priority here should

450
00:20:04,359 --> 00:20:08,040
Speaker 3: just be about making future us better off. I was

451
00:20:08,080 --> 00:20:11,040
Speaker 3: actually reading a study the other day called Brand New

452
00:20:11,080 --> 00:20:13,840
Speaker 3: Australia which was really interesting and we'll chuck that in

453
00:20:13,880 --> 00:20:16,720
Speaker 3: the group at some point, and that actually identified that

454
00:20:16,760 --> 00:20:20,320
Speaker 3: there are fewer new consumer personality types emerging as a

455
00:20:20,359 --> 00:20:23,439
Speaker 3: result of COVID nineteen. So the five groups that this

456
00:20:23,560 --> 00:20:27,760
Speaker 3: study identified are safety seekers. So this was twenty six

457
00:20:27,800 --> 00:20:31,840
Speaker 3: percent of Australians, simplifiers which was twenty percent of Australians,

458
00:20:32,200 --> 00:20:37,000
Speaker 3: opportunists which is twenty percent, strugglers eighteen and returners which

459
00:20:37,080 --> 00:20:40,840
Speaker 3: was sixteen percent. So I'll quickly recap all of them

460
00:20:40,880 --> 00:20:43,399
Speaker 3: because it was actually really interesting and you know, you

461
00:20:43,440 --> 00:20:45,160
Speaker 3: don't have to read it because my friends I did

462
00:20:45,160 --> 00:20:48,520
Speaker 3: that for you. So safety seekers group. The group was

463
00:20:48,560 --> 00:20:51,360
Speaker 3: primarily comprised of people over the age of sixty five,

464
00:20:51,440 --> 00:20:53,920
Speaker 3: as they are extremely worried about the future the virus

465
00:20:54,000 --> 00:20:56,480
Speaker 3: and as such they're very alert and very careful about

466
00:20:56,480 --> 00:20:59,399
Speaker 3: what they do, where they're going, and who they see.

467
00:20:59,680 --> 00:21:02,400
Speaker 3: So financially they are purchasing as much as they can

468
00:21:02,520 --> 00:21:05,240
Speaker 3: from the local and independent traders. Like these guys, there

469
00:21:05,240 --> 00:21:08,640
Speaker 3: are toilet paper hoarders, my friends. The strugglers, who made

470
00:21:08,680 --> 00:21:11,440
Speaker 3: up eighteen percent of this study, are also stressed for

471
00:21:11,440 --> 00:21:14,280
Speaker 3: the future, and mainly in a financial sense. So these

472
00:21:14,320 --> 00:21:17,280
Speaker 3: are the people from lower income households who've been hit

473
00:21:17,480 --> 00:21:21,000
Speaker 3: hardest in an economic sense by the coronavirus. This group

474
00:21:21,080 --> 00:21:23,320
Speaker 3: anticipate that the next few years is going to be

475
00:21:23,400 --> 00:21:26,280
Speaker 3: a huge struggle for them, and saving and budgeting has

476
00:21:26,359 --> 00:21:30,200
Speaker 3: recently become a huge priority for them. The third group,

477
00:21:30,280 --> 00:21:33,240
Speaker 3: they were called the opportunists, and these are pretty stress

478
00:21:33,240 --> 00:21:36,399
Speaker 3: free kind of peeps. They view the pandemic as the

479
00:21:36,520 --> 00:21:38,680
Speaker 3: jolt that they needed to reassess how they were living

480
00:21:38,720 --> 00:21:41,760
Speaker 3: and what they actually want from life, so finance was

481
00:21:41,880 --> 00:21:45,600
Speaker 3: less of a distressor for this group. Then we have simplifiers,

482
00:21:45,640 --> 00:21:48,960
Speaker 3: and these guys are worried about their financial situation, but

483
00:21:49,240 --> 00:21:52,240
Speaker 3: on the whole are quite optimistic. So like the opportunists,

484
00:21:52,280 --> 00:21:55,480
Speaker 3: the pandemic for simplifiers has been a chance to reevaluate

485
00:21:55,520 --> 00:21:58,280
Speaker 3: what they actually want from their lives, with the conclusion

486
00:21:58,320 --> 00:22:01,639
Speaker 3: that they prefer to have a lesson complicated existence, interesting

487
00:22:01,840 --> 00:22:04,399
Speaker 3: which I kind of get. This report actually found that

488
00:22:04,440 --> 00:22:06,680
Speaker 3: this group were more likely to trade down and shift

489
00:22:06,720 --> 00:22:10,520
Speaker 3: their priorities from buying material goods to purchasing experiences, which

490
00:22:10,560 --> 00:22:12,919
Speaker 3: I think is really cool. And then finally we have

491
00:22:13,080 --> 00:22:16,320
Speaker 3: the returners, and these guys, they're surper, chill about everything.

492
00:22:16,640 --> 00:22:18,560
Speaker 3: They are ready to go back to the way things were,

493
00:22:18,640 --> 00:22:21,159
Speaker 3: and the virus really hasn't changed their behavior at all,

494
00:22:21,240 --> 00:22:24,680
Speaker 3: so they're kind of like, eh, yeah, they don't mind.

495
00:22:25,160 --> 00:22:27,480
Speaker 3: So I think it's interesting to look at stuff like

496
00:22:27,520 --> 00:22:29,160
Speaker 3: this and have a think about it. And I'd really

497
00:22:29,240 --> 00:22:31,399
Speaker 3: encourage everyone to take a little moment and have a

498
00:22:31,440 --> 00:22:33,600
Speaker 3: think about what they've learned this year and about the

499
00:22:33,600 --> 00:22:35,480
Speaker 3: way they want to live and what has changed for

500
00:22:35,520 --> 00:22:37,760
Speaker 3: them in terms of their goals and their values. So

501
00:22:37,800 --> 00:22:39,640
Speaker 3: we can jump into next year with a super clear

502
00:22:39,680 --> 00:22:41,840
Speaker 3: outlook for the road ahead, which I think is you

503
00:22:41,840 --> 00:22:43,120
Speaker 3: know where we should all be at.

504
00:22:43,760 --> 00:22:44,200
Speaker 1: For sure.

505
00:22:44,280 --> 00:22:47,400
Speaker 3: It is what it is. Stuff happens. We can't control it.

506
00:22:47,560 --> 00:22:49,880
Speaker 3: Let's try and control the things that we can control

507
00:22:49,960 --> 00:22:52,959
Speaker 3: and understand the things that are within our breadth of understanding,

508
00:22:53,000 --> 00:22:54,680
Speaker 3: and I think that that's all we can really do.

509
00:22:55,119 --> 00:22:56,399
Speaker 1: I think that was something.

510
00:22:56,160 --> 00:22:59,119
Speaker 2: You spoke about with the psychologist brie and your self

511
00:22:59,119 --> 00:23:02,119
Speaker 2: care seminar about anxiety or something.

512
00:23:02,200 --> 00:23:04,320
Speaker 3: Yeah, I love those sessions.

513
00:23:04,320 --> 00:23:04,920
Speaker 2: They were great.

514
00:23:05,000 --> 00:23:07,360
Speaker 3: They were actually so fun and she was so generous

515
00:23:07,359 --> 00:23:10,520
Speaker 3: with her time, like, Bree, love you, love your work, you, Bree.

516
00:23:10,680 --> 00:23:12,879
Speaker 3: Those videos are still up on YouTube though, if you

517
00:23:12,880 --> 00:23:15,160
Speaker 3: guys miss them. We had a number of self care

518
00:23:15,160 --> 00:23:18,399
Speaker 3: sessions where I got a psychologist, Brianna Sada, who is

519
00:23:18,480 --> 00:23:21,320
Speaker 3: honestly one of the most delightful humans you will ever meet,

520
00:23:22,160 --> 00:23:24,960
Speaker 3: and she just talked through how to manage anxiety and

521
00:23:25,040 --> 00:23:27,440
Speaker 3: how to manage the time that we were going through.

522
00:23:27,560 --> 00:23:30,560
Speaker 3: And that was really powerful, even for me because in

523
00:23:30,640 --> 00:23:33,439
Speaker 3: the background, I'm obviously very open and happy to share this,

524
00:23:33,560 --> 00:23:37,199
Speaker 3: like I was struggling mentally and just really struggling with

525
00:23:37,280 --> 00:23:39,800
Speaker 3: lockdown and really struggling being away from my friends and

526
00:23:39,840 --> 00:23:42,040
Speaker 3: my family and feeling like I was, you know, not

527
00:23:42,200 --> 00:23:44,359
Speaker 3: in control because I'm very type A. I don't know

528
00:23:44,400 --> 00:23:47,639
Speaker 3: if you guys noticed super type A personality, and I

529
00:23:47,760 --> 00:23:50,520
Speaker 3: just felt like I have the grace of seeing a

530
00:23:50,560 --> 00:23:53,639
Speaker 3: psychologist like I am so lucky and so fortunate to

531
00:23:53,640 --> 00:23:56,040
Speaker 3: be in that position and wanted to extend it to

532
00:23:56,080 --> 00:23:59,080
Speaker 3: other people. So, you know, that video series was essentially

533
00:23:59,119 --> 00:24:01,640
Speaker 3: like a little therapy sessions that we had every Thursday

534
00:24:01,720 --> 00:24:02,320
Speaker 3: night together.

535
00:24:02,520 --> 00:24:05,040
Speaker 2: We should repost that in the Facebook group. I reckon

536
00:24:05,119 --> 00:24:06,920
Speaker 2: to bring it back to the top of the feed. Yeah,

537
00:24:07,000 --> 00:24:07,800
Speaker 2: let me do that.

538
00:24:08,119 --> 00:24:09,760
Speaker 1: We'll move on now again.

539
00:24:09,840 --> 00:24:10,240
Speaker 3: There v.

540
00:24:10,640 --> 00:24:13,199
Speaker 1: So we talk about money a lot on the podcast.

541
00:24:13,280 --> 00:24:15,639
Speaker 3: She's on the releak. I didn't even know.

542
00:24:16,200 --> 00:24:17,880
Speaker 1: What you a financial advisor.

543
00:24:18,040 --> 00:24:19,520
Speaker 3: No, I don't even know what that is.

544
00:24:19,920 --> 00:24:22,320
Speaker 2: So the other thing we often talk about, because it

545
00:24:22,400 --> 00:24:25,000
Speaker 2: kind of goes hand in hand with money, is career.

546
00:24:25,200 --> 00:24:26,080
Speaker 3: Oh we do, yes.

547
00:24:26,160 --> 00:24:28,320
Speaker 2: So is there any advice you would have for people

548
00:24:28,359 --> 00:24:31,320
Speaker 2: who have found this year that working and striving for

549
00:24:31,359 --> 00:24:34,320
Speaker 2: the ultimate career success may not actually be what they

550
00:24:34,359 --> 00:24:38,119
Speaker 2: wanted after all. I guess that would be maybe the simplifiers,

551
00:24:38,160 --> 00:24:41,280
Speaker 2: So people that are kind of shifting their priorities and

552
00:24:41,320 --> 00:24:45,200
Speaker 2: are thinking, oh, maybe CEO position is not what I'm after.

553
00:24:45,359 --> 00:24:48,240
Speaker 2: Maybe I just want more a simpler life.

554
00:24:48,720 --> 00:24:51,400
Speaker 3: I like that. And yeah, I have actually heard from

555
00:24:51,400 --> 00:24:54,199
Speaker 3: a lot of people who before the pandemic had identified

556
00:24:54,240 --> 00:24:57,600
Speaker 3: themselves as super ambitious career wise. They were super career

557
00:24:57,640 --> 00:25:00,720
Speaker 3: focused people, but now having spent most the year either

558
00:25:00,800 --> 00:25:03,080
Speaker 3: not working or working from home or working in those

559
00:25:03,200 --> 00:25:06,159
Speaker 3: very intense situations on the front line, they've decided that

560
00:25:06,320 --> 00:25:08,600
Speaker 3: maybe work isn't as important to them as they thought

561
00:25:08,640 --> 00:25:10,400
Speaker 3: it would have been at the start of this year.

562
00:25:10,880 --> 00:25:13,760
Speaker 3: Other things like family and friends and domestic travel and

563
00:25:13,840 --> 00:25:16,000
Speaker 3: having more time on our hands have really become a

564
00:25:16,040 --> 00:25:18,640
Speaker 3: bit more of a priority. And I think that's such

565
00:25:18,680 --> 00:25:20,520
Speaker 3: a good thing. Like we talk about this in our

566
00:25:20,560 --> 00:25:22,560
Speaker 3: team all the time, that I don't want my team

567
00:25:22,600 --> 00:25:25,600
Speaker 3: to just have to like work to live, Like I

568
00:25:25,640 --> 00:25:28,040
Speaker 3: want them to live to work and like enjoy their jobs,

569
00:25:28,119 --> 00:25:30,399
Speaker 3: and you know, really seek passion out of that, and

570
00:25:30,400 --> 00:25:33,240
Speaker 3: that you know falls back into like work life balance

571
00:25:33,280 --> 00:25:36,240
Speaker 3: and actually having a good one. And you know, everyone thought,

572
00:25:36,320 --> 00:25:40,280
Speaker 3: I think at the start of COVID lockdowns that working

573
00:25:40,359 --> 00:25:42,720
Speaker 3: from home would be a dream and it'd be so easy.

574
00:25:42,800 --> 00:25:45,040
Speaker 3: And I think most of us have actually found that

575
00:25:45,080 --> 00:25:47,800
Speaker 3: we're working longer hours and we're unable to separate work

576
00:25:47,840 --> 00:25:50,840
Speaker 3: from life and it's all becoming all consuming and overwhelming

577
00:25:51,080 --> 00:25:54,040
Speaker 3: and not a nice thing to have happened to us.

578
00:25:54,440 --> 00:25:55,879
Speaker 3: And you know, there are some people who are going

579
00:25:55,920 --> 00:25:57,560
Speaker 3: to be like Victory, I've got rocks in your head.

580
00:25:57,600 --> 00:25:59,520
Speaker 3: I love working from home, and I do know a

581
00:25:59,520 --> 00:26:03,000
Speaker 3: couple of people like that. You're crazy, crazy friends. We're

582
00:26:03,040 --> 00:26:05,280
Speaker 3: all very different, and I think that you know, a

583
00:26:05,320 --> 00:26:07,120
Speaker 3: lot of us have been forced into a position where

584
00:26:07,119 --> 00:26:09,880
Speaker 3: we've had to think, do I actually want this? Being

585
00:26:09,920 --> 00:26:13,760
Speaker 3: surrounded by people in an office every day sometimes gives

586
00:26:13,800 --> 00:26:15,880
Speaker 3: you that extra energy that you need to get through

587
00:26:15,880 --> 00:26:17,640
Speaker 3: the working day. But when it's just you and your

588
00:26:17,720 --> 00:26:21,040
Speaker 3: job in you know, maybe the spare room or even

589
00:26:21,119 --> 00:26:24,000
Speaker 3: like the dining table of your sharehouse, you realize M

590
00:26:24,359 --> 00:26:27,040
Speaker 3: doing this twenty four seven. This doesn't appeal to me

591
00:26:27,119 --> 00:26:29,040
Speaker 3: for the rest of my life. And I think, you

592
00:26:29,080 --> 00:26:31,200
Speaker 3: know what, how lucky are we to have been given

593
00:26:31,240 --> 00:26:33,800
Speaker 3: that reflection point to really work out what we want

594
00:26:33,840 --> 00:26:36,080
Speaker 3: and where we want to go and what that looks like?

595
00:26:36,520 --> 00:26:37,399
Speaker 1: Yeah, for sure.

596
00:26:37,720 --> 00:26:40,040
Speaker 2: Just a little shout out in here as well. Just

597
00:26:40,119 --> 00:26:42,520
Speaker 2: wanted to send love and thanks to all of the

598
00:26:42,560 --> 00:26:45,560
Speaker 2: frontline workers this year as well, because you might be thinking,

599
00:26:45,680 --> 00:26:48,320
Speaker 2: oh god, girls, stop talking about office and home stuff.

600
00:26:48,359 --> 00:26:50,920
Speaker 2: I've been on the front line fighting this pandemic. So

601
00:26:50,920 --> 00:26:51,840
Speaker 2: I just wanted to say.

602
00:26:51,800 --> 00:26:54,399
Speaker 3: Guys are next. I appreciate you. Guys are so cool,

603
00:26:54,480 --> 00:26:56,920
Speaker 3: it is not funny. We are so lucky to have you.

604
00:26:57,000 --> 00:27:00,600
Speaker 3: I think you've been wildly underappreciated for way too and

605
00:27:00,640 --> 00:27:02,840
Speaker 3: now you are literally the reason we are getting through

606
00:27:02,840 --> 00:27:04,480
Speaker 3: this and we are okay and we are safe. So

607
00:27:04,640 --> 00:27:07,560
Speaker 3: shout out to you friends, Bladi, you are epic and

608
00:27:07,600 --> 00:27:08,160
Speaker 3: I love it.

609
00:27:08,240 --> 00:27:09,159
Speaker 1: Yes, thank you Queans.

610
00:27:09,280 --> 00:27:14,000
Speaker 2: Now kind of on this same pattern of thought, what

611
00:27:14,040 --> 00:27:16,320
Speaker 2: would you say to people who are coming to the

612
00:27:16,320 --> 00:27:19,000
Speaker 2: close of twenty twenty and are thinking, God, damn, I

613
00:27:19,080 --> 00:27:21,800
Speaker 2: have not achieved anything close to what I thought I

614
00:27:21,840 --> 00:27:22,760
Speaker 2: would achieve.

615
00:27:23,480 --> 00:27:25,679
Speaker 3: Don't worry, my friend, that is fine, I think. Go

616
00:27:25,760 --> 00:27:27,440
Speaker 3: back to that poem I read out at the start

617
00:27:27,480 --> 00:27:29,840
Speaker 3: of this episode, the end of the Day. I think

618
00:27:29,840 --> 00:27:32,960
Speaker 3: most of us can actually relate to this feeling personally.

619
00:27:33,040 --> 00:27:35,840
Speaker 3: I had so much planned for my business and my

620
00:27:35,880 --> 00:27:39,280
Speaker 3: personal life and it just hasn't happened. Again, I am

621
00:27:39,320 --> 00:27:42,080
Speaker 3: really lucky in that a lot has clearly happened in

622
00:27:42,160 --> 00:27:45,880
Speaker 3: both of those spaces. But it is so hard, as

623
00:27:45,880 --> 00:27:48,960
Speaker 3: someone who thrives on feeling like they're achieving, to take

624
00:27:49,000 --> 00:27:51,040
Speaker 3: a step back and say, you know what, Victoria just

625
00:27:51,040 --> 00:27:54,280
Speaker 3: surviving is enough right now. And obviously I've got a puppy,

626
00:27:54,280 --> 00:27:56,000
Speaker 3: and I've bought a home, and I've done all these

627
00:27:56,040 --> 00:27:59,840
Speaker 3: really cool, shiny things. But admittedly they've happened in December.

628
00:28:00,359 --> 00:28:02,760
Speaker 3: They have not been the entire year. In as much

629
00:28:02,760 --> 00:28:05,679
Speaker 3: as I'm so so grateful and so privileged to have

630
00:28:05,760 --> 00:28:08,280
Speaker 3: been able to do that, I'm also in a position

631
00:28:08,520 --> 00:28:12,600
Speaker 3: where during the year it was survival mode and it

632
00:28:12,680 --> 00:28:14,720
Speaker 3: did feel like it was hard to get out of bed,

633
00:28:14,760 --> 00:28:16,640
Speaker 3: and some days I just spent the entire day in bed.

634
00:28:16,680 --> 00:28:18,520
Speaker 3: And do you know what, friends, that is okay, and

635
00:28:18,560 --> 00:28:20,399
Speaker 3: you need to give yourself a permission to do that.

636
00:28:20,760 --> 00:28:22,840
Speaker 3: And I think that by me talking about it, hopefully

637
00:28:22,880 --> 00:28:25,120
Speaker 3: it gives you permission to maybe feel a little bit

638
00:28:25,119 --> 00:28:27,960
Speaker 3: more okay. Yeah, that's it, because I know I've got

639
00:28:28,000 --> 00:28:29,760
Speaker 3: a number of friends who are like, oh, yeah, sorry,

640
00:28:29,800 --> 00:28:32,320
Speaker 3: I didn't answer the phone. I was busy, and I'm

641
00:28:32,359 --> 00:28:34,359
Speaker 3: here going, well, I know you weren't. I know you

642
00:28:34,400 --> 00:28:37,159
Speaker 3: were just feeling really flat, and that's okay too, But

643
00:28:37,320 --> 00:28:39,840
Speaker 3: we should be having these conversations with each other. And

644
00:28:39,840 --> 00:28:42,040
Speaker 3: I know, Georgia, I've said to you and I've said

645
00:28:42,040 --> 00:28:43,640
Speaker 3: to the team, do you know what I couldn't get

646
00:28:43,640 --> 00:28:45,720
Speaker 3: out of bed today. I was just feeling really flat.

647
00:28:46,080 --> 00:28:48,520
Speaker 3: And I think that knowing that there are people on

648
00:28:48,560 --> 00:28:51,000
Speaker 3: my team going, oh, that's okay, that's totally fine. Do

649
00:28:51,000 --> 00:28:53,560
Speaker 3: you need anything, Nah, I'll be right. I'll be right tomorrow.

650
00:28:53,560 --> 00:28:55,920
Speaker 3: I just need it today. Grateful to have a team

651
00:28:55,960 --> 00:28:57,920
Speaker 3: that literally embraced that for me.

652
00:28:58,080 --> 00:29:01,040
Speaker 2: Yeah, but also hearing that from the boss or for

653
00:29:01,080 --> 00:29:03,840
Speaker 2: people listening to this now from a podcaster that you love,

654
00:29:03,920 --> 00:29:05,720
Speaker 2: who you look up to or whatever.

655
00:29:05,920 --> 00:29:07,240
Speaker 1: I don't know if you do. I'm sure you do.

656
00:29:07,480 --> 00:29:08,320
Speaker 3: Hell don't do that.

657
00:29:09,520 --> 00:29:11,000
Speaker 1: But I think that is really meaningful.

658
00:29:11,080 --> 00:29:13,680
Speaker 2: And the more we speak about things like this, the

659
00:29:13,680 --> 00:29:16,560
Speaker 2: more normalized it becomes, and it makes it easier for everyone.

660
00:29:16,600 --> 00:29:19,920
Speaker 3: So absolutely, and late mental health is so important, and

661
00:29:20,000 --> 00:29:21,560
Speaker 3: mental health is real health.

662
00:29:21,960 --> 00:29:25,480
Speaker 2: Last question before we move on to our listener question

663
00:29:25,760 --> 00:29:29,840
Speaker 2: today be obviously the garbage Buyer is about to be

664
00:29:29,840 --> 00:29:33,400
Speaker 2: behind us. We're about to step into a fresh year. Great,

665
00:29:33,560 --> 00:29:36,239
Speaker 2: what tips or hot tip would you have for our

666
00:29:36,280 --> 00:29:38,720
Speaker 2: listeners to take home with them as we move into

667
00:29:38,760 --> 00:29:39,320
Speaker 2: this new year?

668
00:29:39,480 --> 00:29:41,800
Speaker 3: Yeah? No, tip six that listen to the next pod,

669
00:29:41,880 --> 00:29:45,880
Speaker 3: because that's literally what the New Year Tips pod is

670
00:29:45,920 --> 00:29:46,520
Speaker 3: going to be about.

671
00:29:46,640 --> 00:29:47,000
Speaker 4: New year.

672
00:29:47,080 --> 00:29:49,600
Speaker 3: Nar me, not that because that's what I did last year,

673
00:29:49,640 --> 00:29:51,840
Speaker 3: but literally, like how we can start twenty twenty one

674
00:29:51,880 --> 00:29:53,840
Speaker 3: on the best foot. But for now, I would just

675
00:29:53,880 --> 00:29:56,280
Speaker 3: like to say, let's congratulate ourselves on getting through an

676
00:29:56,320 --> 00:30:00,560
Speaker 3: impossibly tough year. There's something really symbolic about start afresh

677
00:30:00,600 --> 00:30:03,160
Speaker 3: in twenty twenty one. And of course the pandemic and

678
00:30:03,240 --> 00:30:05,480
Speaker 3: all of the collateral damage it has caused won't just

679
00:30:05,560 --> 00:30:08,880
Speaker 3: cease when the gear ticks over, but it is a

680
00:30:08,920 --> 00:30:11,880
Speaker 3: really good chance to reframe our perspective and start being

681
00:30:11,920 --> 00:30:14,480
Speaker 3: a little bit more positive and a little bit more optimistic,

682
00:30:14,680 --> 00:30:17,040
Speaker 3: and a little bit more all inclusive and you know,

683
00:30:17,080 --> 00:30:19,360
Speaker 3: making sure that we are all on the same team together.

684
00:30:19,640 --> 00:30:21,920
Speaker 3: So again, make sure you just tune into next week's

685
00:30:21,960 --> 00:30:23,480
Speaker 3: episode to more insight on.

686
00:30:23,480 --> 00:30:26,360
Speaker 1: That subtle plug. Also, just before we go, keep plug,

687
00:30:26,480 --> 00:30:27,800
Speaker 1: you did a poem at the start.

688
00:30:27,600 --> 00:30:30,640
Speaker 2: Of this chat, So I'm going to sing a song

689
00:30:31,680 --> 00:30:32,239
Speaker 2: last night.

690
00:30:34,080 --> 00:30:35,840
Speaker 1: Victoria is not sure what's happening.

691
00:30:36,080 --> 00:30:39,360
Speaker 3: This is very off topic, but time here for it.

692
00:30:39,520 --> 00:30:40,760
Speaker 3: What are we singing? Georgia?

693
00:30:40,840 --> 00:30:44,560
Speaker 2: Okay, guys, there's always going to be another mountain. I'm

694
00:30:44,560 --> 00:30:47,280
Speaker 2: always gonna make it, want to make it move always

695
00:30:47,400 --> 00:30:50,040
Speaker 2: going to be an uphill battle. Sometimes I'm going to

696
00:30:50,120 --> 00:30:52,880
Speaker 2: have to lose. Ain't about how fast I get there.

697
00:30:53,200 --> 00:30:55,960
Speaker 2: It ain't about what's waiting on the other side, because

698
00:30:56,040 --> 00:31:01,240
Speaker 2: it's the club, all.

699
00:31:01,200 --> 00:31:05,040
Speaker 3: Right, did you? Yeah? Obviously? Question? Do you know what Miley?

700
00:31:05,200 --> 00:31:08,200
Speaker 3: Back it up? Watch out? George is coming for your

701
00:31:08,240 --> 00:31:09,400
Speaker 3: job in twenty twenty one.

702
00:31:09,480 --> 00:31:11,920
Speaker 2: Sorry for anyone who I'll listen to that, Sorry guys.

703
00:31:12,000 --> 00:31:12,800
Speaker 1: A listener question.

704
00:31:12,880 --> 00:31:13,160
Speaker 5: Let's go.

705
00:31:20,960 --> 00:31:23,360
Speaker 2: Hi, there, you've reached the shoes on the Money mail bucks.

706
00:31:23,480 --> 00:31:25,320
Speaker 2: Do you have the money problem you won't help solving.

707
00:31:25,360 --> 00:31:27,000
Speaker 2: Do you have a money dilemma.

708
00:31:26,600 --> 00:31:27,880
Speaker 1: You just want to chat it out?

709
00:31:28,080 --> 00:31:30,920
Speaker 2: Victoria is here to help. Every week we'll be playing

710
00:31:30,920 --> 00:31:32,960
Speaker 2: your questions to help make sense of a money mester.

711
00:31:33,040 --> 00:31:35,160
Speaker 2: May I found yourself in thanke you quick recording on

712
00:31:35,160 --> 00:31:37,840
Speaker 2: your phone and send it through to podcast at chesothmoney

713
00:31:37,920 --> 00:31:39,760
Speaker 2: dot com, dot at you and you might even find

714
00:31:39,800 --> 00:31:40,680
Speaker 2: yourself on the show.

715
00:31:41,120 --> 00:31:43,120
Speaker 1: But for now, here's today's listener question.

716
00:31:45,960 --> 00:31:48,640
Speaker 5: Hi, she's on the Money girls. I live in Melbourne

717
00:31:48,680 --> 00:31:50,400
Speaker 5: and I've very much enjoyed things going back to what

718
00:31:50,440 --> 00:31:52,880
Speaker 5: feels like a new normal when we're in lockdown. I

719
00:31:52,880 --> 00:31:55,240
Speaker 5: found that I unexpectedly managed to save a lot of money.

720
00:31:55,320 --> 00:31:57,480
Speaker 5: I moved back home with my parents and kept my job,

721
00:31:57,520 --> 00:32:00,000
Speaker 5: but with a pay cup. WA's trouble me now, though

722
00:32:00,200 --> 00:32:04,040
Speaker 5: I'm spending money, is making me feel quite guilty. I

723
00:32:04,080 --> 00:32:05,880
Speaker 5: know it's silly, but I feel like things that go

724
00:32:06,000 --> 00:32:07,640
Speaker 5: the other way and I could lose my job and

725
00:32:07,680 --> 00:32:10,240
Speaker 5: then be in trouble. I'm hoping you too, can help

726
00:32:10,240 --> 00:32:11,800
Speaker 5: me find a way to not expect the worst so

727
00:32:11,840 --> 00:32:16,680
Speaker 5: that I can enjoy my money and our relatively new freedom.

728
00:32:16,880 --> 00:32:19,480
Speaker 2: Okay, b this is an interesting one today, and what

729
00:32:19,640 --> 00:32:22,440
Speaker 2: I feel like is probably quite relatable to a few

730
00:32:22,440 --> 00:32:24,880
Speaker 2: of our listeners who are finding it quite hard to

731
00:32:24,920 --> 00:32:26,840
Speaker 2: spend after the year that we've had.

732
00:32:26,920 --> 00:32:29,040
Speaker 3: I think there's a lot of anxiety just floating around

733
00:32:29,040 --> 00:32:32,160
Speaker 3: about money in general and spending in general, and you know,

734
00:32:32,240 --> 00:32:34,479
Speaker 3: doing things that we haven't done for a while, like

735
00:32:34,560 --> 00:32:37,040
Speaker 3: you might have been really good at just like kind

736
00:32:37,040 --> 00:32:39,840
Speaker 3: of dropping forty bucks every couple of weeks and getting

737
00:32:39,840 --> 00:32:41,800
Speaker 3: in oils done, but now you feel a little bit

738
00:32:41,840 --> 00:32:44,880
Speaker 3: anxious about it because you're more aware of it. And

739
00:32:44,920 --> 00:32:47,400
Speaker 3: I think it's just about you know, understanding your budget.

740
00:32:47,440 --> 00:32:49,440
Speaker 3: To be honest, I'm always going to come back to

741
00:32:49,480 --> 00:32:51,680
Speaker 3: budget in cash flow, it is who I am as

742
00:32:51,720 --> 00:32:55,400
Speaker 3: a person. I'm so sorry about that, but literally, you

743
00:32:55,440 --> 00:32:57,680
Speaker 3: are going to feel less guilty once you know it's

744
00:32:57,720 --> 00:33:00,840
Speaker 3: in your budget. You shouldn't ever feel guilty about spending

745
00:33:01,400 --> 00:33:04,200
Speaker 3: if you go through and create a budget, understand your

746
00:33:04,240 --> 00:33:07,560
Speaker 3: cash flow system, understand what is going on. I feel

747
00:33:07,560 --> 00:33:09,800
Speaker 3: like that alleviates a lot of the stress and the

748
00:33:09,880 --> 00:33:13,960
Speaker 3: guilt because you know you're contributing to your future. Because

749
00:33:14,000 --> 00:33:15,680
Speaker 3: if you've got a good budget and you've got a

750
00:33:15,720 --> 00:33:18,240
Speaker 3: good cash flow system, you know that you are putting

751
00:33:18,280 --> 00:33:20,880
Speaker 3: money into savings and you know maybe you're investing or

752
00:33:20,920 --> 00:33:23,320
Speaker 3: maybe you're working towards a goal. So when you do

753
00:33:23,440 --> 00:33:26,520
Speaker 3: spend money, there's no guilt associated because you already know

754
00:33:26,680 --> 00:33:29,240
Speaker 3: the big stuff and your big goals are being looked after.

755
00:33:29,880 --> 00:33:31,440
Speaker 3: And I think that's a really big part of what

756
00:33:31,520 --> 00:33:33,520
Speaker 3: we do here at She's on the Money. It's about

757
00:33:33,760 --> 00:33:37,600
Speaker 3: not stopping you feeling guilty about spending, but just teaching

758
00:33:37,640 --> 00:33:41,080
Speaker 3: you that there are different ways to understand your cash

759
00:33:41,120 --> 00:33:44,160
Speaker 3: flow and understand your budget and how empowering that can be.

760
00:33:44,600 --> 00:33:47,080
Speaker 3: I'm not going to say what's forty dollars, but essentially

761
00:33:47,320 --> 00:33:50,600
Speaker 3: what's forty dollars when you know that that was already

762
00:33:50,640 --> 00:33:53,240
Speaker 3: in your budget and allocated for you to spend, so

763
00:33:53,480 --> 00:33:56,440
Speaker 3: there's no guilt around it. And often we feel really

764
00:33:56,480 --> 00:34:01,240
Speaker 3: guilty because there's animosity. We feel like, oh, I shouldn't

765
00:34:01,240 --> 00:34:03,680
Speaker 3: spend that, but you don't know what you were meant

766
00:34:03,720 --> 00:34:06,560
Speaker 3: to do with it. Otherwise, Yeah, you feel guilty, you know,

767
00:34:06,640 --> 00:34:08,680
Speaker 3: tapping your God you're like, oh, I shouldn't be doing this,

768
00:34:09,200 --> 00:34:11,800
Speaker 3: but you feel guilty because you don't know what.

769
00:34:11,680 --> 00:34:14,160
Speaker 1: You should be doing because there's no real plan in pl.

770
00:34:14,080 --> 00:34:16,600
Speaker 3: Yeah, there's no plan in place, there's not something going

771
00:34:16,640 --> 00:34:19,160
Speaker 3: on in the background that makes you feel really empowered

772
00:34:19,160 --> 00:34:22,120
Speaker 3: and secure. So for me, it's about, you know, get

773
00:34:22,160 --> 00:34:24,120
Speaker 3: your budget down on paper. I don't care if you

774
00:34:24,200 --> 00:34:25,960
Speaker 3: jor it on a napkin or you're doing my budget

775
00:34:26,000 --> 00:34:28,840
Speaker 3: and Cashley mask class Like arguably you would expect that

776
00:34:28,880 --> 00:34:32,080
Speaker 3: the budget Cashley musk class probably a lot more powerful.

777
00:34:32,160 --> 00:34:34,800
Speaker 3: But you know what budgeting is budgeting, You start wherever

778
00:34:34,840 --> 00:34:37,000
Speaker 3: you need to. You're going to feel a whole heap

779
00:34:37,040 --> 00:34:39,680
Speaker 3: better once you understand what's coming into your bank account

780
00:34:39,680 --> 00:34:42,279
Speaker 3: each and every single week, what has to go out,

781
00:34:42,360 --> 00:34:44,560
Speaker 3: and what you can spend without feeling bad.

782
00:34:44,840 --> 00:34:48,160
Speaker 2: Bloody good advice from you, Vikidi, Thank you, Georgia King.

783
00:34:48,440 --> 00:34:50,840
Speaker 2: I just wanted to make a little comment on how

784
00:34:51,120 --> 00:34:53,680
Speaker 2: crazy it is how much you save when you still

785
00:34:53,719 --> 00:34:55,880
Speaker 2: live at home, Like that is such an immense privilege,

786
00:34:55,920 --> 00:34:59,520
Speaker 2: one that I enjoyed this year, but when you live

787
00:34:59,560 --> 00:35:01,840
Speaker 2: out of home, that life becomes so much more expensive.

788
00:35:01,960 --> 00:35:03,400
Speaker 2: Like she said that she took a pay cut and

789
00:35:03,440 --> 00:35:06,600
Speaker 2: has saved, which is you know, no rent, no bills,

790
00:35:07,080 --> 00:35:07,680
Speaker 2: no petro.

791
00:35:08,280 --> 00:35:10,040
Speaker 3: That can be a little bit of a kickup I'm

792
00:35:10,040 --> 00:35:11,800
Speaker 3: going to twist that, sorry, that that can be a

793
00:35:11,840 --> 00:35:14,160
Speaker 3: little bit of a kickup the butt to anybody who

794
00:35:14,360 --> 00:35:17,239
Speaker 3: is living at home and potentially still living paycheck to

795
00:35:17,360 --> 00:35:19,879
Speaker 3: paycheck and they're not having to pay you know, home

796
00:35:19,920 --> 00:35:24,440
Speaker 3: bills or rent, start putting future you first start putting

797
00:35:24,480 --> 00:35:27,319
Speaker 3: money away, because my friends, you will not have that

798
00:35:27,360 --> 00:35:29,319
Speaker 3: privilege again. And I know there are a lot of

799
00:35:29,360 --> 00:35:32,640
Speaker 3: you listening me included, who wish that when they did

800
00:35:32,719 --> 00:35:35,359
Speaker 3: live at home they'd kind of made more of the opportunity,

801
00:35:35,760 --> 00:35:37,840
Speaker 3: because I feel like lots of my friends are like,

802
00:35:37,880 --> 00:35:39,439
Speaker 3: oh my gosh, when I used to live at home,

803
00:35:39,480 --> 00:35:42,040
Speaker 3: I used to spend so much going out I should

804
00:35:42,040 --> 00:35:45,040
Speaker 3: have been saving. This is your kickup the bottom. Yeah,

805
00:35:45,040 --> 00:35:47,680
Speaker 3: for you to go and start saving and start putting

806
00:35:47,680 --> 00:35:50,480
Speaker 3: together a plan. Just because you don't have that expense

807
00:35:50,600 --> 00:35:52,759
Speaker 3: doesn't mean you shouldn't be putting money to the side.

808
00:35:52,840 --> 00:35:53,040
Speaker 1: Yeah.

809
00:35:53,080 --> 00:35:55,480
Speaker 2: Well, it's like a disposable income essentially that you have.

810
00:35:55,600 --> 00:35:57,400
Speaker 2: But that word is flawed, like disposable.

811
00:35:57,520 --> 00:36:01,759
Speaker 3: No, it's not fungible. Fungible that's never going to take off.

812
00:36:02,080 --> 00:36:03,520
Speaker 3: We sure, we'll try start.

813
00:36:03,400 --> 00:36:06,120
Speaker 2: To it, but no, I think that is really good advice.

814
00:36:06,160 --> 00:36:07,239
Speaker 2: So hopefully that helped you.

815
00:36:07,360 --> 00:36:09,640
Speaker 1: A listener question asker ha.

816
00:36:13,120 --> 00:36:15,560
Speaker 4: Hi, I'm the twenty four year old supportive partner and

817
00:36:15,600 --> 00:36:20,960
Speaker 4: this is my money diary. Last year, my partner left

818
00:36:21,000 --> 00:36:23,560
Speaker 4: their job. At the time, it was just due to

819
00:36:23,800 --> 00:36:26,759
Speaker 4: workplace bullying and stuff, so he left at the time.

820
00:36:26,800 --> 00:36:29,000
Speaker 4: I was also very busy with work because I was

821
00:36:29,040 --> 00:36:31,640
Speaker 4: financially supporting the both of us, so I didn't necessarily

822
00:36:31,680 --> 00:36:35,000
Speaker 4: notice what was going on. He developed a gambling problem

823
00:36:35,320 --> 00:36:38,359
Speaker 4: and spent nearly thirty thousand dollars of our savings before

824
00:36:38,400 --> 00:36:41,120
Speaker 4: I noticed. It was really tough, but we ended up

825
00:36:41,160 --> 00:36:43,759
Speaker 4: getting through it. It's not something that people really teach

826
00:36:43,840 --> 00:36:46,040
Speaker 4: you how to deal with. Or what to do when

827
00:36:46,080 --> 00:36:48,360
Speaker 4: that kind of happened. So it was very much winging

828
00:36:48,360 --> 00:36:51,359
Speaker 4: it on my end. We went to like, cow, I'm

829
00:36:51,400 --> 00:36:53,480
Speaker 4: selling to be like why are you doing this? Why

830
00:36:53,480 --> 00:36:55,440
Speaker 4: do you feel like you need to do this? And

831
00:36:55,480 --> 00:36:58,200
Speaker 4: then it got to a point where they suggested that

832
00:36:58,239 --> 00:37:00,719
Speaker 4: he doesn't have any control over his money until he

833
00:37:00,800 --> 00:37:05,160
Speaker 4: feels like he can make good decisions without doing any gambling. Really,

834
00:37:05,280 --> 00:37:08,480
Speaker 4: so balancing being angry and supportive at the same time

835
00:37:08,640 --> 00:37:12,279
Speaker 4: is extremely up and I would definitely not recommend it

836
00:37:12,320 --> 00:37:14,520
Speaker 4: if you ever get the choice. At first, it was

837
00:37:14,560 --> 00:37:16,600
Speaker 4: just a lot of hurt just processing that kind of

838
00:37:16,600 --> 00:37:19,960
Speaker 4: information because his money problems are my money problems. At

839
00:37:19,960 --> 00:37:21,359
Speaker 4: the end of the day, we're going to be building

840
00:37:21,400 --> 00:37:23,480
Speaker 4: a life together, so it would it would come up

841
00:37:23,520 --> 00:37:25,880
Speaker 4: at some point. The way I dealt with it first

842
00:37:26,120 --> 00:37:28,080
Speaker 4: just got rid of my anger kind of planet go,

843
00:37:28,320 --> 00:37:30,640
Speaker 4: and then it turned into a support of Okay, what

844
00:37:30,680 --> 00:37:32,360
Speaker 4: are we going to do here? It was very similar

845
00:37:32,400 --> 00:37:35,040
Speaker 4: to like making an action plan at work type things,

846
00:37:35,200 --> 00:37:38,320
Speaker 4: so on to seek counselor each week we'll talk it through.

847
00:37:38,560 --> 00:37:41,279
Speaker 4: Would put money aside and then slowly let him back

848
00:37:41,640 --> 00:37:45,160
Speaker 4: have access to his money and feel comfortable spending without

849
00:37:45,200 --> 00:37:46,200
Speaker 4: the need to go gamble.

850
00:37:46,440 --> 00:37:49,319
Speaker 2: What does our twenty four year old supportive partner do

851
00:37:49,480 --> 00:37:49,960
Speaker 2: for work.

852
00:37:50,239 --> 00:37:53,800
Speaker 4: I'm a marketing supervisor and I also study a Bachelor

853
00:37:53,800 --> 00:37:55,399
Speaker 4: of Arts Bachelor of Commerce as well.

854
00:37:55,719 --> 00:37:57,319
Speaker 2: How much does she earn and how much is in

855
00:37:57,360 --> 00:37:58,640
Speaker 2: her bank account right now?

856
00:37:58,880 --> 00:38:02,120
Speaker 4: I currently earn sixty seven thousand a year, but I

857
00:38:02,200 --> 00:38:04,719
Speaker 4: work on like a commission bonus structure, so some months

858
00:38:04,760 --> 00:38:07,080
Speaker 4: I could get like an extra two thousand dollars or

859
00:38:07,080 --> 00:38:09,279
Speaker 4: an extra five thousand dollars, so it really does very

860
00:38:09,760 --> 00:38:12,880
Speaker 4: And currently I've got ten thousand dollars in my personal

861
00:38:12,880 --> 00:38:16,040
Speaker 4: account and sixty five thousand dollars in a joint savings

862
00:38:16,080 --> 00:38:17,800
Speaker 4: in two thousand in an emergency fund.

863
00:38:17,880 --> 00:38:20,160
Speaker 1: And what happens to that money once it hits her account?

864
00:38:20,200 --> 00:38:22,279
Speaker 4: So first thing that happens, I've got a direct DEEV

865
00:38:22,400 --> 00:38:25,800
Speaker 4: into spaceship every week, so around ten to twenty dollars

866
00:38:25,840 --> 00:38:29,080
Speaker 4: goes into that, seven hundred and fifty dollars goes towards

867
00:38:29,120 --> 00:38:31,880
Speaker 4: our joint account for our house, two hundred dollars towards

868
00:38:31,960 --> 00:38:34,840
Speaker 4: my personal bills, one hundred dollars towards our joint bills,

869
00:38:35,080 --> 00:38:37,600
Speaker 4: and then one hundred dollars into a joint spending for

870
00:38:37,680 --> 00:38:41,239
Speaker 4: like birthday, Christmas, weddings, like just a general fund of

871
00:38:41,280 --> 00:38:43,840
Speaker 4: everything that happens throughout the year, and then two hundred

872
00:38:43,840 --> 00:38:45,360
Speaker 4: dollars for me to spend throughout the week and the

873
00:38:45,400 --> 00:38:46,880
Speaker 4: rest goes into personal savings.

874
00:38:46,960 --> 00:38:49,400
Speaker 2: What I have thoughts on investing and does she invest

875
00:38:49,400 --> 00:38:50,000
Speaker 2: in herself?

876
00:38:50,120 --> 00:38:52,520
Speaker 4: So I think investing is very I think it's something

877
00:38:52,520 --> 00:38:56,520
Speaker 4: that everybody should be doing where obviously feasible. I do invest,

878
00:38:56,560 --> 00:38:59,359
Speaker 4: but not very much. I've currently got four hundred dollars

879
00:38:59,400 --> 00:39:02,080
Speaker 4: sitting in my ship account. I want to get that

880
00:39:02,160 --> 00:39:05,200
Speaker 4: a lot higher, and I want to do the bigger shares,

881
00:39:05,360 --> 00:39:08,760
Speaker 4: like into big companies and be on the stock market.

882
00:39:09,000 --> 00:39:10,600
Speaker 4: I just want to have a bit more saved up

883
00:39:10,600 --> 00:39:12,360
Speaker 4: so I can go into it with a larger amount

884
00:39:12,440 --> 00:39:13,800
Speaker 4: rather than just a few hundred dollars.

885
00:39:13,960 --> 00:39:14,960
Speaker 1: What debts does she have?

886
00:39:15,120 --> 00:39:16,719
Speaker 4: So the early debt I have is my hex stet.

887
00:39:16,760 --> 00:39:19,359
Speaker 4: It's sitting at around twenty five thousand dollars. I've only

888
00:39:19,360 --> 00:39:21,840
Speaker 4: got two semesters of university to go, so it shouldn't

889
00:39:21,840 --> 00:39:24,560
Speaker 4: go up too much. But I'm also not fussed. It's

890
00:39:24,600 --> 00:39:27,160
Speaker 4: a good debt, so it'll just get taken out of

891
00:39:27,160 --> 00:39:29,279
Speaker 4: my page week for probably the rest of my life.

892
00:39:29,400 --> 00:39:30,680
Speaker 1: What her best money habits.

893
00:39:31,000 --> 00:39:33,440
Speaker 4: So my best money habits. Something I'm really proud of

894
00:39:33,680 --> 00:39:36,360
Speaker 4: is I'm really good at getting a bargain. Whenever I

895
00:39:36,440 --> 00:39:39,000
Speaker 4: buy absolutely anything, I make sure I look on every

896
00:39:39,080 --> 00:39:41,960
Speaker 4: possible website for a discount code. I sign up to

897
00:39:42,000 --> 00:39:44,839
Speaker 4: all these loyalty programs, which I know Victorial's Day, I've

898
00:39:44,840 --> 00:39:47,480
Speaker 4: subscribed from all of them. But what I do is

899
00:39:47,520 --> 00:39:50,359
Speaker 4: I have a mailbox where I just have all of

900
00:39:50,400 --> 00:39:52,360
Speaker 4: my spare emails go to. I never look at it

901
00:39:52,360 --> 00:39:54,080
Speaker 4: except for when I want to buy something and then

902
00:39:54,120 --> 00:39:55,759
Speaker 4: look up the store and then I see there's any

903
00:39:55,800 --> 00:39:56,479
Speaker 4: discount codes.

904
00:39:56,760 --> 00:39:58,640
Speaker 2: And what are her worst money habits?

905
00:39:58,960 --> 00:40:01,520
Speaker 4: I probably have two worst money habits. So the first

906
00:40:01,560 --> 00:40:04,719
Speaker 4: one would be food. I really really tried a meal plan,

907
00:40:05,080 --> 00:40:08,279
Speaker 4: but it just absolutely fails. With my job, I'm very

908
00:40:08,320 --> 00:40:10,440
Speaker 4: busy and I don't normally have times to take a

909
00:40:10,440 --> 00:40:12,680
Speaker 4: proper lunch branks, I don't have time to go downstairs

910
00:40:12,680 --> 00:40:14,759
Speaker 4: and eat up my lunch. So like a food van

911
00:40:14,840 --> 00:40:18,000
Speaker 4: comes or over EA's, I'm very easily convinced. The second

912
00:40:18,000 --> 00:40:21,040
Speaker 4: thing is I'm very lazy when it comes to comparing insurances,

913
00:40:21,080 --> 00:40:23,439
Speaker 4: and especially after listening to the podcast a while ago

914
00:40:23,520 --> 00:40:26,919
Speaker 4: about brand loyalty, I felt very attacked. But it's something

915
00:40:26,920 --> 00:40:29,279
Speaker 4: that I need to do. I just think when I'm

916
00:40:29,320 --> 00:40:31,200
Speaker 4: with a company, I'm with a company, So it's something

917
00:40:31,239 --> 00:40:32,399
Speaker 4: I need to look into a bit more.

918
00:40:32,480 --> 00:40:34,120
Speaker 1: What is her big money goal?

919
00:40:34,239 --> 00:40:37,840
Speaker 4: So our big money goal is to obviously save up

920
00:40:37,880 --> 00:40:40,759
Speaker 4: for a house, get as much income into that as

921
00:40:40,760 --> 00:40:43,480
Speaker 4: we really can, but also to recover from some of

922
00:40:43,520 --> 00:40:45,520
Speaker 4: the financial debts that we had for the last few

923
00:40:45,560 --> 00:40:48,879
Speaker 4: years in gambling, potentially save all of that money back

924
00:40:49,080 --> 00:40:51,440
Speaker 4: that he did lose, and just try to move on

925
00:40:51,520 --> 00:40:53,719
Speaker 4: from there. When I was younger, I did all of

926
00:40:53,719 --> 00:40:56,640
Speaker 4: my travels I've done like US, Europe, Philippines, so I've

927
00:40:56,719 --> 00:40:59,000
Speaker 4: kind of passed that phase of traveling and I just

928
00:40:59,040 --> 00:41:01,160
Speaker 4: want to focus on buying house. I'm starting to settle

929
00:41:01,200 --> 00:41:01,799
Speaker 4: down a little bit.

930
00:41:01,840 --> 00:41:04,160
Speaker 1: What grade would she give her money habits?

931
00:41:04,440 --> 00:41:07,480
Speaker 4: I would give myself a B plus. Previously it would

932
00:41:07,520 --> 00:41:10,160
Speaker 4: have been a BEE that I started investing, so I'm

933
00:41:10,200 --> 00:41:12,640
Speaker 4: quite happy with that. I would increase it to an

934
00:41:12,680 --> 00:41:16,880
Speaker 4: A if I changed my insurances and got a bit

935
00:41:16,920 --> 00:41:17,719
Speaker 4: more on top of that.

936
00:41:18,480 --> 00:41:20,680
Speaker 2: What advice would you give to her past self or

937
00:41:20,719 --> 00:41:22,200
Speaker 2: to others in a similar situation.

938
00:41:22,760 --> 00:41:25,040
Speaker 4: The advice that I'd give to others or myself two

939
00:41:25,120 --> 00:41:27,719
Speaker 4: years ago is just have a look at these kind

940
00:41:27,760 --> 00:41:30,680
Speaker 4: of habits earlier. In my situation. It started with, oh,

941
00:41:30,800 --> 00:41:33,360
Speaker 4: just a few bets online for Grand Final Day, a

942
00:41:33,360 --> 00:41:36,439
Speaker 4: few events for Melbourne Cup Day. And it was something

943
00:41:36,480 --> 00:41:39,120
Speaker 4: I wasn't phased about because it's so general in our culture,

944
00:41:39,160 --> 00:41:41,839
Speaker 4: and really it shouldn't because you're just wasting money at

945
00:41:42,000 --> 00:41:44,880
Speaker 4: very bad odds. You're much better putting it into investing

946
00:41:45,040 --> 00:41:48,880
Speaker 4: or virtually anything else. So it started off something really small,

947
00:41:49,680 --> 00:41:52,239
Speaker 4: and then because I was so preoccupied in my own

948
00:41:52,280 --> 00:41:54,440
Speaker 4: work and try and hip bonuses to cover both of

949
00:41:54,480 --> 00:41:57,760
Speaker 4: our incomes, it was something that I didn't really notice. Again,

950
00:41:57,840 --> 00:41:59,799
Speaker 4: the most important thing that I wish I knew back

951
00:41:59,840 --> 00:42:02,160
Speaker 4: then is to look out for the small signs. So

952
00:42:02,239 --> 00:42:05,279
Speaker 4: those gamblings, they're going to casinos and stuff like that.

953
00:42:05,480 --> 00:42:08,160
Speaker 4: Even though it's small, it can very easily develop into

954
00:42:08,160 --> 00:42:10,760
Speaker 4: something a lot bigger if pared with something like depression

955
00:42:10,840 --> 00:42:11,400
Speaker 4: or anxiety.

956
00:42:12,480 --> 00:42:16,200
Speaker 2: All right, Victoria, I have finished highlighting my many notes,

957
00:42:16,880 --> 00:42:17,600
Speaker 2: so you're ready.

958
00:42:17,680 --> 00:42:18,480
Speaker 3: I love this.

959
00:42:18,680 --> 00:42:21,439
Speaker 2: I am ready kick us off with your thoughts on

960
00:42:22,000 --> 00:42:25,800
Speaker 2: this quite emotional, quite interesting or unique.

961
00:42:26,200 --> 00:42:29,799
Speaker 3: This hurt me at the same time as made me

962
00:42:30,000 --> 00:42:34,800
Speaker 3: incredibly proud. So many people's relationships would have fallen apart

963
00:42:35,400 --> 00:42:37,920
Speaker 3: had they found out that their partner was hiding something

964
00:42:38,120 --> 00:42:40,960
Speaker 3: like that and going through a situation like that that

965
00:42:41,160 --> 00:42:45,960
Speaker 3: clearly financially impacted them so severely. I don't know what

966
00:42:46,000 --> 00:42:48,080
Speaker 3: I'd do if I was in a situation like that,

967
00:42:48,200 --> 00:42:50,240
Speaker 3: and I really hope that I would have the grace

968
00:42:50,280 --> 00:42:53,479
Speaker 3: that this money diarist had to deal with that. Before

969
00:42:53,520 --> 00:42:56,400
Speaker 3: we even know jump into the semantics of the conversation,

970
00:42:57,560 --> 00:43:00,680
Speaker 3: how special is she as a human know, all right,

971
00:43:00,680 --> 00:43:02,480
Speaker 3: I'm going to get some help, I'm going to re counseling.

972
00:43:02,520 --> 00:43:05,480
Speaker 3: We're going to get through this together. She fully understood

973
00:43:05,520 --> 00:43:09,160
Speaker 3: that there was underlying issues there, whereas often people don't

974
00:43:09,200 --> 00:43:12,560
Speaker 3: give that situation any further thought. And you know what,

975
00:43:12,840 --> 00:43:15,040
Speaker 3: that's epic because that wouldn't have been easy to do.

976
00:43:15,160 --> 00:43:17,320
Speaker 3: And I think she kind of glossed over the fact

977
00:43:17,440 --> 00:43:21,080
Speaker 3: that she went through all of that and it sounded

978
00:43:21,160 --> 00:43:22,879
Speaker 3: a lot easier than I know what would have been.

979
00:43:23,040 --> 00:43:25,640
Speaker 3: So your epic. I love that, and I love that

980
00:43:25,840 --> 00:43:28,120
Speaker 3: your relationship was strong enough to go through that and

981
00:43:28,200 --> 00:43:31,239
Speaker 3: that you, as a human were smart enough to know

982
00:43:31,280 --> 00:43:32,880
Speaker 3: that you do need help and you do need to

983
00:43:32,880 --> 00:43:35,840
Speaker 3: reach out to other people. Something like that is obviously

984
00:43:35,920 --> 00:43:37,799
Speaker 3: going to set you back. I thought it was really

985
00:43:37,840 --> 00:43:40,440
Speaker 3: great that she did have such clarity on her budget

986
00:43:40,440 --> 00:43:42,560
Speaker 3: and cash flow and obviously was going through such a

987
00:43:42,640 --> 00:43:47,879
Speaker 3: challenging period of time. But that didn't financially cripple them.

988
00:43:48,040 --> 00:43:50,520
Speaker 3: I mean it set them back for sure, like losing

989
00:43:50,600 --> 00:43:54,400
Speaker 3: thirty thousand dollars is a lot of money to have lost,

990
00:43:54,840 --> 00:43:57,560
Speaker 3: but they clearly aren't in mass amount of consumer debt

991
00:43:57,600 --> 00:43:59,359
Speaker 3: because of it. It's not like he was putting all

992
00:43:59,360 --> 00:44:01,680
Speaker 3: of that spending on credit card. And I think that

993
00:44:01,680 --> 00:44:05,360
Speaker 3: that's a lucky outcome of a gambling addiction, because it

994
00:44:05,520 --> 00:44:08,600
Speaker 3: is secret, it is something that people feel really ashamed of,

995
00:44:09,000 --> 00:44:11,799
Speaker 3: and it is something that is really hard to deal with.

996
00:44:12,320 --> 00:44:16,080
Speaker 2: So two questions for you here, V. I might ask

997
00:44:16,120 --> 00:44:19,840
Speaker 2: you first what your thoughts on gambling are in general.

998
00:44:20,200 --> 00:44:22,520
Speaker 2: I think I know what you're gonna say, but let's

999
00:44:22,520 --> 00:44:24,160
Speaker 2: make it clear for anyone who loves a bit.

1000
00:44:24,800 --> 00:44:29,920
Speaker 3: So, I don't like gambling at all. It's addictive. Studies

1001
00:44:30,000 --> 00:44:33,600
Speaker 3: have shown that the release of dopamine that happens during

1002
00:44:33,680 --> 00:44:37,160
Speaker 3: gambling occurs in the brain area similar to those activated

1003
00:44:37,200 --> 00:44:40,880
Speaker 3: by taking drugs of abuse. Like that's crazy. At the

1004
00:44:40,960 --> 00:44:43,640
Speaker 3: end of the day, it's literally an addiction, and these

1005
00:44:43,680 --> 00:44:47,320
Speaker 3: rewards pathways are similar to those seen in individuals suffering

1006
00:44:47,320 --> 00:44:50,960
Speaker 3: from drug addiction who are becoming hyper sensitive. It just

1007
00:44:51,160 --> 00:44:53,799
Speaker 3: gets worse, and that's why you need help. This isn't

1008
00:44:53,880 --> 00:44:57,000
Speaker 3: something where people are just spending money and they can

1009
00:44:57,080 --> 00:45:00,160
Speaker 3: just stop. It's a genuine addiction and it needs to

1010
00:45:00,160 --> 00:45:03,680
Speaker 3: be treated as such, and it's something that it's really challenging.

1011
00:45:03,840 --> 00:45:07,839
Speaker 3: It ruins families, it ruins relationships, it breaks people up,

1012
00:45:08,000 --> 00:45:11,840
Speaker 3: it ruins friendships. You might see it as really nonconsequential

1013
00:45:11,960 --> 00:45:14,080
Speaker 3: when you just go to the casino with a couple

1014
00:45:14,120 --> 00:45:15,680
Speaker 3: of friends on a Friday night, play a couple of

1015
00:45:15,680 --> 00:45:17,920
Speaker 3: games of blackjack, go home, lost some money, al right,

1016
00:45:18,080 --> 00:45:20,760
Speaker 3: or it's only twenty bucks, Like that's fine, you're paying

1017
00:45:20,800 --> 00:45:23,040
Speaker 3: for that fun. But I think we really need to

1018
00:45:23,160 --> 00:45:25,960
Speaker 3: understand that for some other people that don't, but mean

1019
00:45:26,120 --> 00:45:29,439
Speaker 3: hit means so much more. And that's where addiction comes

1020
00:45:29,480 --> 00:45:32,279
Speaker 3: into play, and it's where we need to start understanding

1021
00:45:32,320 --> 00:45:35,040
Speaker 3: that these things work differently for other people. To me,

1022
00:45:35,320 --> 00:45:36,920
Speaker 3: I don't like it. I don't like it at all.

1023
00:45:37,120 --> 00:45:39,800
Speaker 3: I'm obviously very opinionated when it comes to this, but

1024
00:45:40,520 --> 00:45:43,320
Speaker 3: I'm in a very special position where I speak to

1025
00:45:43,400 --> 00:45:45,640
Speaker 3: lots of people going through these things and help them

1026
00:45:45,719 --> 00:45:49,160
Speaker 3: seek help. And you know, it's very secretive. I've got

1027
00:45:49,640 --> 00:45:53,160
Speaker 3: girlfriends whose partners have gone through this, and they are secretive.

1028
00:45:53,239 --> 00:45:57,320
Speaker 3: And it's these situations that I wouldn't wish anybody to

1029
00:45:57,400 --> 00:46:01,000
Speaker 3: be on because it puts unnecessary pressure on every aspect

1030
00:46:01,080 --> 00:46:04,400
Speaker 3: of their relationship. And you know, to me, it's a

1031
00:46:04,440 --> 00:46:05,120
Speaker 3: really bad thing.

1032
00:46:05,520 --> 00:46:06,359
Speaker 1: Oh for sure.

1033
00:46:06,560 --> 00:46:10,800
Speaker 2: And it's also it's so hard to avoid the gambling ads.

1034
00:46:10,840 --> 00:46:12,640
Speaker 2: Like you watch a game of footy, it is just

1035
00:46:12,880 --> 00:46:15,640
Speaker 2: riddled with the latest odds and they package it in

1036
00:46:15,719 --> 00:46:19,600
Speaker 2: the most glamorous, blow key way, and it is honestly repulsive.

1037
00:46:19,719 --> 00:46:24,360
Speaker 2: I'm not a fan either. It's like such a big problem. Actually,

1038
00:46:24,640 --> 00:46:26,879
Speaker 2: this is a side note. I for UNI was doing

1039
00:46:27,400 --> 00:46:31,480
Speaker 2: an assignment on teenage drinking and I spoke to Paul Dylan,

1040
00:46:31,600 --> 00:46:33,680
Speaker 2: who a lot of you probably would recognize his name.

1041
00:46:33,680 --> 00:46:37,200
Speaker 2: He's a dragon alcohol specialist. He came and spoke in

1042
00:46:37,280 --> 00:46:41,240
Speaker 2: my high school legend and he said the biggest problem

1043
00:46:41,400 --> 00:46:46,840
Speaker 2: facing these kids today. Beyond consent issues around consent is gambling.

1044
00:46:47,080 --> 00:46:49,719
Speaker 2: So it is terrifying. It's something that there needs to

1045
00:46:49,800 --> 00:46:52,200
Speaker 2: be much tighter regulation around. I don't know how they're

1046
00:46:52,239 --> 00:46:55,000
Speaker 2: getting away with what they're doing right now, but.

1047
00:46:55,120 --> 00:46:58,000
Speaker 3: Yeah, oh it's such a crazy space. And I think

1048
00:46:58,040 --> 00:47:00,520
Speaker 3: that there's a lot of people in our community that

1049
00:47:00,600 --> 00:47:03,920
Speaker 3: will have been impacted by this, whether it is yourself,

1050
00:47:04,400 --> 00:47:08,560
Speaker 3: because it's not just a male dominated thing. Women gamble,

1051
00:47:08,719 --> 00:47:12,600
Speaker 3: women do this. It's obviously more of a male centric

1052
00:47:12,719 --> 00:47:16,480
Speaker 3: space in that related to sport, like we don't want

1053
00:47:16,560 --> 00:47:19,359
Speaker 3: to you know, gender stereotime, but bands of the day,

1054
00:47:19,600 --> 00:47:22,480
Speaker 3: and it is very male dominated because you know, I'm

1055
00:47:22,560 --> 00:47:24,359
Speaker 3: not going to get around the football in the same

1056
00:47:24,400 --> 00:47:27,800
Speaker 3: way because I just genuinely don't have the interest and

1057
00:47:27,920 --> 00:47:30,000
Speaker 3: betting on that, betting on the horses. I feel like

1058
00:47:30,120 --> 00:47:33,000
Speaker 3: it's such a male thing. Women aren't immune too. It

1059
00:47:33,120 --> 00:47:34,880
Speaker 3: happens all the time, we just often do it in

1060
00:47:35,040 --> 00:47:38,640
Speaker 3: different ways. So yeah, like your brain can get addicted

1061
00:47:38,680 --> 00:47:41,800
Speaker 3: to gambling, but it impacts our listeners that might impact

1062
00:47:41,880 --> 00:47:43,920
Speaker 3: their partners. You know, you could have grown up in

1063
00:47:43,960 --> 00:47:48,240
Speaker 3: a family that experienced financial distress because your family member

1064
00:47:48,400 --> 00:47:51,560
Speaker 3: or a parent was a gambler, like it is, it's

1065
00:47:51,600 --> 00:47:53,760
Speaker 3: a form of abuse if you are in that situation.

1066
00:47:54,040 --> 00:47:56,000
Speaker 3: And I just think that, you know, that is a

1067
00:47:56,040 --> 00:47:58,040
Speaker 3: part of a lot of our listeners' money stories, and

1068
00:47:58,120 --> 00:48:00,120
Speaker 3: it's something that they need to go through. And I

1069
00:48:00,200 --> 00:48:02,480
Speaker 3: think that we should be talking about these topics more

1070
00:48:02,560 --> 00:48:06,319
Speaker 3: and more because it is addictive and it is detrimental,

1071
00:48:06,520 --> 00:48:11,080
Speaker 3: and gambling is such an interesting psychological phenomenon, I think

1072
00:48:11,680 --> 00:48:15,000
Speaker 3: in that there's been so much research on it and

1073
00:48:15,160 --> 00:48:20,600
Speaker 3: research on how the psychological processes affect gambling behavior, and

1074
00:48:20,719 --> 00:48:24,120
Speaker 3: it's just, yeah, it's it's really interesting, and I think that,

1075
00:48:24,280 --> 00:48:26,279
Speaker 3: you know, maybe we'll do an entire episode on it.

1076
00:48:26,920 --> 00:48:27,840
Speaker 1: It's really interesting.

1077
00:48:27,960 --> 00:48:32,120
Speaker 2: We will post some helplines and websites and phone numbers

1078
00:48:32,200 --> 00:48:34,800
Speaker 2: in the show bio today as well. Guys, if this

1079
00:48:35,000 --> 00:48:37,879
Speaker 2: is something you struggle with, just to celebrate a few

1080
00:48:37,920 --> 00:48:39,840
Speaker 2: of the great things about this money.

1081
00:48:39,640 --> 00:48:41,840
Speaker 3: Yeah, dichologies, it's kind of it was a tig, and

1082
00:48:41,920 --> 00:48:44,200
Speaker 3: I think that it's really important to kind of like

1083
00:48:44,440 --> 00:48:47,759
Speaker 3: really emphasize that this is a massive issue, and we'll

1084
00:48:47,800 --> 00:48:49,600
Speaker 3: talk about it on an episode at some point.

1085
00:48:49,760 --> 00:48:51,760
Speaker 2: Yeah, was there anything else you wanted to say about

1086
00:48:51,840 --> 00:48:54,760
Speaker 2: the lovely twenty four year old supportive partner. She's obviously

1087
00:48:54,840 --> 00:48:55,640
Speaker 2: great at finances.

1088
00:48:55,680 --> 00:48:58,560
Speaker 3: She's got she's great at finances, she's got a whole

1089
00:48:58,600 --> 00:49:02,279
Speaker 3: heap of savings. She's really great. And yeah, I think

1090
00:49:02,320 --> 00:49:04,359
Speaker 3: that if she just gets more on top of her

1091
00:49:04,400 --> 00:49:07,040
Speaker 3: budgeting and cash flow, they could absolutely be back where

1092
00:49:07,040 --> 00:49:10,759
Speaker 3: they begun. I think it's genuinely about them as a couple,

1093
00:49:10,800 --> 00:49:14,520
Speaker 3: addressing the underlying issues about why gambling became an issue

1094
00:49:14,560 --> 00:49:16,520
Speaker 3: in the first place, so that they don't find themselves

1095
00:49:16,600 --> 00:49:17,879
Speaker 3: in that sticky situation again.

1096
00:49:17,960 --> 00:49:21,000
Speaker 2: Yeap, and with the counseling, they'll be absolutely fine. So

1097
00:49:21,120 --> 00:49:24,400
Speaker 2: thank you so much for sharing your story today our

1098
00:49:24,440 --> 00:49:25,840
Speaker 2: twenty four year old supportive partner.

1099
00:49:25,960 --> 00:49:27,480
Speaker 3: What a special story to her.

1100
00:49:27,640 --> 00:49:29,600
Speaker 2: I know shared with that last one for the year,

1101
00:49:29,680 --> 00:49:32,200
Speaker 2: I feel like that's a very important one to round

1102
00:49:32,239 --> 00:49:35,279
Speaker 2: out the year. Thank you friends, Hunter rupt the show

1103
00:49:35,320 --> 00:49:37,640
Speaker 2: if he did before we wrap the show, We'd like

1104
00:49:37,680 --> 00:49:40,560
Speaker 2: to acknowledge and pay respects to Australia's Aboriginal and Torres

1105
00:49:40,560 --> 00:49:43,880
Speaker 2: Strait islander peoples, the traditional custodians of the lands, the

1106
00:49:43,960 --> 00:49:47,040
Speaker 2: waterways and the skies all across Australia. We thank you

1107
00:49:47,120 --> 00:49:48,919
Speaker 2: for sharing and for caring for the land on which

1108
00:49:48,960 --> 00:49:51,120
Speaker 2: we are able to learn. We pay our respects to

1109
00:49:51,200 --> 00:49:53,680
Speaker 2: elders past and present, and we share our friendship and

1110
00:49:53,880 --> 00:49:56,759
Speaker 2: also our kindness. The advice shared on she is on

1111
00:49:56,840 --> 00:49:59,120
Speaker 2: the Money is general in nature and does not consider

1112
00:49:59,200 --> 00:50:02,320
Speaker 2: your individual so cumstances. She is on the Money exists

1113
00:50:02,360 --> 00:50:05,279
Speaker 2: purely for educational purposes and should not be relied upon

1114
00:50:05,360 --> 00:50:08,360
Speaker 2: to make an investment or a financial decision. And we

1115
00:50:08,600 --> 00:50:12,720
Speaker 2: promise Victoria Divine is an authorized representative of Australia Pacific

1116
00:50:12,800 --> 00:50:16,480
Speaker 2: Funds Management Proprietly Limited ABN three four one three two

1117
00:50:16,640 --> 00:50:19,319
Speaker 2: four six three two five seven AFSL three three nine

1118
00:50:19,400 --> 00:50:20,000
Speaker 2: one five one.

1119
00:50:20,160 --> 00:50:21,319
Speaker 1: That was my worst for the year.

1120
00:50:21,600 --> 00:50:25,200
Speaker 3: That was the worst. But that is okats all right.

1121
00:50:25,280 --> 00:50:29,480
Speaker 1: And a big thank you to Ryan and Beck our producer.

1122
00:50:29,360 --> 00:50:34,160
Speaker 2: Angels, I'll say, Angels, that's what's written down for putting

1123
00:50:34,200 --> 00:50:36,400
Speaker 2: it all together, making it you know, endurable.

1124
00:50:36,600 --> 00:50:39,160
Speaker 3: Oh my god, yes, and like so excited to come

1125
00:50:39,200 --> 00:50:40,319
Speaker 3: back in twenty twenty one.

1126
00:50:40,400 --> 00:50:41,759
Speaker 1: Do you know why talk to me?

1127
00:50:41,960 --> 00:50:45,880
Speaker 3: Because Ryan John has been named as a morning radio

1128
00:50:46,000 --> 00:50:49,319
Speaker 3: host officially for twenty twenty one on Kiss FM, which

1129
00:50:49,560 --> 00:50:52,000
Speaker 3: obviously we're really proud of. He got the gig of

1130
00:50:52,360 --> 00:50:55,000
Speaker 3: summer breakfast radio host and he got promoted. He got

1131
00:50:55,040 --> 00:50:57,000
Speaker 3: promoted and got to stay on. He must have done

1132
00:50:57,040 --> 00:51:01,120
Speaker 3: a good job. What a likable fellow, hate akulable human being.

1133
00:51:01,680 --> 00:51:05,279
Speaker 3: Furthering that, guess what, he's coming back in twenty twenty

1134
00:51:05,360 --> 00:51:09,040
Speaker 3: one married. Oh yeah, yeah, we're aware.

1135
00:51:09,480 --> 00:51:10,319
Speaker 1: There's not many days.

1136
00:51:10,360 --> 00:51:12,400
Speaker 3: I meant it would have happened by the time that

1137
00:51:12,480 --> 00:51:15,520
Speaker 3: this podcast goes live. I'm not going to share anymore,

1138
00:51:15,560 --> 00:51:18,480
Speaker 3: but I'm so excited. God, we meant to share that.

1139
00:51:18,600 --> 00:51:21,080
Speaker 3: Who cares we're sharing that. No, we're not going to

1140
00:51:21,160 --> 00:51:23,840
Speaker 3: cut that out. Ryan's getting married and we are so excited.

1141
00:51:23,880 --> 00:51:25,799
Speaker 3: But you know what, we're also excited about. What if

1142
00:51:25,800 --> 00:51:29,160
Speaker 3: you're excited about our Facebook group where our community shares money,

1143
00:51:29,200 --> 00:51:32,080
Speaker 3: tips and tricks literally every single day, free of judgment.

1144
00:51:32,360 --> 00:51:34,640
Speaker 3: Got new mods in there, so nothing is going to

1145
00:51:34,719 --> 00:51:37,839
Speaker 3: go missing my friends anymore. So She's on the money

1146
00:51:37,880 --> 00:51:40,040
Speaker 3: on Facebook and join us if Facebook's not you think,

1147
00:51:40,120 --> 00:51:43,239
Speaker 3: We're literally on every single social media platform, and so

1148
00:51:43,560 --> 00:51:46,680
Speaker 3: is Lucy the office Dog. You can mind her at

1149
00:51:47,040 --> 00:51:50,760
Speaker 3: Lucy the Golden Sheeper Doodle on instagramt you won't regret

1150
00:51:50,840 --> 00:51:54,800
Speaker 2: That, guys, Happy New Year, My love Ye, Merry Christmas,

1151
00:51:55,080 --> 00:51:55,920
Speaker 2: New Year, Bye,