1 00:00:00,640 --> 00:00:04,880 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,920 --> 00:00:08,600 Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before 3 00:00:08,640 --> 00:00:11,119 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,119 --> 00:00:14,280 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,360 --> 00:00:17,640 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,079 --> 00:00:22,200 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,280 --> 00:00:26,920 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,040 --> 00:00:30,080 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,200 --> 00:00:33,040 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,280 --> 00:00:36,080 Speaker 2: Let's get into it. She's on the Money. 11 00:00:36,240 --> 00:00:53,560 Speaker 3: She's on the Money. 12 00:00:57,120 --> 00:01:00,000 Speaker 2: Hello, and welcome to She's on the Money, the podcast 13 00:01:00,240 --> 00:01:02,840 Speaker 2: that lets you be pervy about other people's money habits 14 00:01:03,080 --> 00:01:06,640 Speaker 2: for educational purposes of course. Welcome back to another one 15 00:01:06,680 --> 00:01:09,320 Speaker 2: of our money diaries where I get the absolute pleasure 16 00:01:09,400 --> 00:01:11,840 Speaker 2: of jumping in and chatting to one of our incredible 17 00:01:11,880 --> 00:01:14,880 Speaker 2: She's on the Money community members all about their journey. 18 00:01:15,240 --> 00:01:17,560 Speaker 2: Let's jump straight into it, because this week I got 19 00:01:17,560 --> 00:01:20,880 Speaker 2: a message and it sounded exactly like this. Hi, She's 20 00:01:20,880 --> 00:01:22,520 Speaker 2: on the Money. I used to be a bit of 21 00:01:22,560 --> 00:01:26,280 Speaker 2: a hot mess student loans a car loan and barely 22 00:01:26,319 --> 00:01:29,600 Speaker 2: making it from paycheck to paycheck. But I was single 23 00:01:29,720 --> 00:01:31,840 Speaker 2: and never really had to think about a rainy day. 24 00:01:32,280 --> 00:01:35,720 Speaker 2: Then I met my partner and everything changed. Suddenly. We 25 00:01:35,720 --> 00:01:38,399 Speaker 2: were talking about the future, buying a house, planning a wedding, 26 00:01:38,600 --> 00:01:42,000 Speaker 2: maybe even adopting a child. But those dreams come with 27 00:01:42,080 --> 00:01:45,000 Speaker 2: a big price tag, and we had some bad money 28 00:01:45,040 --> 00:01:47,960 Speaker 2: habits to break. That's when I started listening to She's 29 00:01:48,000 --> 00:01:51,440 Speaker 2: on the Money. We're now engaged settling into our first 30 00:01:51,480 --> 00:01:55,120 Speaker 2: home and adjusting to the reality of budgeting with a mortgage. 31 00:01:55,440 --> 00:01:59,320 Speaker 2: Money diarist, I'm so excited about this. You're like, well 32 00:01:59,360 --> 00:02:03,000 Speaker 2: on the way from being a financial hot mess to 33 00:02:03,120 --> 00:02:06,120 Speaker 2: like having had a very good glow up. Are you 34 00:02:06,320 --> 00:02:07,639 Speaker 2: excited to do a money dough. 35 00:02:07,640 --> 00:02:09,440 Speaker 4: I'm so pumped. I'm so excited. 36 00:02:09,680 --> 00:02:12,959 Speaker 2: I am more excited money doves. Before we get there, 37 00:02:13,080 --> 00:02:15,000 Speaker 2: I need to know what grade would you give your 38 00:02:15,000 --> 00:02:16,880 Speaker 2: money habits if I asked you to give them a 39 00:02:16,919 --> 00:02:18,680 Speaker 2: grade from A through to F. 40 00:02:18,880 --> 00:02:21,080 Speaker 4: I'm going to go like B minus. 41 00:02:21,320 --> 00:02:24,040 Speaker 2: I think a B minus. All right, let's learn more 42 00:02:24,080 --> 00:02:27,280 Speaker 2: about it, so let's jump straight into it. My favorite 43 00:02:27,320 --> 00:02:29,840 Speaker 2: question of all time, money, Darris, can you tell me 44 00:02:29,880 --> 00:02:31,720 Speaker 2: a little bit more about your money story. 45 00:02:31,800 --> 00:02:37,040 Speaker 4: Yeah. Absolutely. So grew up in Victoria, a standard family, 46 00:02:37,080 --> 00:02:42,320 Speaker 4: three children, two parents, very much middle class, but financial 47 00:02:42,360 --> 00:02:46,040 Speaker 4: literacy wasn't really anything that was taught. Like money was 48 00:02:46,080 --> 00:02:48,840 Speaker 4: just like I think, you know, like, yeah, I didn't 49 00:02:48,840 --> 00:02:53,679 Speaker 4: really have much financial literacy. Also, like culturally, men pay 50 00:02:53,720 --> 00:02:57,160 Speaker 4: for everything, that kind of mindset. You must work hard, 51 00:02:57,600 --> 00:02:59,480 Speaker 4: you know, you must provide for the family, that kind 52 00:02:59,520 --> 00:02:59,760 Speaker 4: of thing. 53 00:03:00,000 --> 00:03:02,000 Speaker 2: Did you have that dynamic with your parents? Like was 54 00:03:02,040 --> 00:03:03,160 Speaker 2: your mama's stay at home mum? 55 00:03:03,400 --> 00:03:05,680 Speaker 4: Yeah, like mom, like she had jobs here and there, 56 00:03:05,680 --> 00:03:08,760 Speaker 4: but she was primarily a home maker, and then she 57 00:03:09,360 --> 00:03:11,480 Speaker 4: had her own career for a very probably about five 58 00:03:11,560 --> 00:03:13,679 Speaker 4: or six years, and then she started doing dad's accounts. 59 00:03:13,960 --> 00:03:16,960 Speaker 4: So she now works for dad or you know, supports 60 00:03:16,960 --> 00:03:17,680 Speaker 4: the family business. 61 00:03:17,760 --> 00:03:19,959 Speaker 2: Yeah, I love that. How exciting. So tell me a 62 00:03:20,000 --> 00:03:22,960 Speaker 2: bit more like it. Financially, tricy wasn't really talked about, 63 00:03:23,000 --> 00:03:25,239 Speaker 2: but it was kind of like an ingrained thing where 64 00:03:25,280 --> 00:03:26,960 Speaker 2: it was just like a give and like the men 65 00:03:27,080 --> 00:03:29,840 Speaker 2: provide and the women kind of do the homemaking stuff 66 00:03:29,880 --> 00:03:31,600 Speaker 2: but can do some stuff on the side, but it's 67 00:03:31,639 --> 00:03:33,359 Speaker 2: never the predominant. 68 00:03:32,760 --> 00:03:35,880 Speaker 4: Literally, So it was never like this is how your budget, 69 00:03:36,040 --> 00:03:39,000 Speaker 4: This is how we saved money by. It was work 70 00:03:39,160 --> 00:03:43,120 Speaker 4: paycheck spend, work paycheck spend. Like that's so yeah, there 71 00:03:43,160 --> 00:03:47,160 Speaker 4: wasn't a lot of financial discussions. Like I couldn't have 72 00:03:47,200 --> 00:03:48,960 Speaker 4: told you how much my parents earned when I was 73 00:03:48,960 --> 00:03:51,080 Speaker 4: growing up. I don't know if my parents invested. I 74 00:03:51,080 --> 00:03:54,320 Speaker 4: don't know who they banked with, Like like I couldn't. 75 00:03:54,480 --> 00:03:57,040 Speaker 4: I couldn't tell you. My dad is a big cash 76 00:03:57,160 --> 00:03:59,400 Speaker 4: is king guy. I don't think he actually knows his 77 00:03:59,480 --> 00:04:02,080 Speaker 4: pin to his card. I've got it saved in my phone. 78 00:04:03,760 --> 00:04:06,240 Speaker 2: I love this. How does that even happen? 79 00:04:06,480 --> 00:04:09,280 Speaker 4: I just I don't know. I just I ask him, 80 00:04:09,280 --> 00:04:12,160 Speaker 4: and it frustrates me, Like I think Mum takes care 81 00:04:12,200 --> 00:04:14,560 Speaker 4: of like the digital money, and dad takes care of 82 00:04:14,600 --> 00:04:15,760 Speaker 4: like the physical money. 83 00:04:15,840 --> 00:04:18,600 Speaker 2: Yep, fair fair And is that because he and obviously 84 00:04:18,640 --> 00:04:20,640 Speaker 2: this is anonymous to like kind of money when is 85 00:04:20,640 --> 00:04:23,000 Speaker 2: that because he gets paid sometimes in cash? Or is 86 00:04:23,000 --> 00:04:25,359 Speaker 2: that because mum takes cash out for him? Or like 87 00:04:25,440 --> 00:04:27,040 Speaker 2: how does he get hold of the fifties? 88 00:04:27,200 --> 00:04:28,800 Speaker 4: Colum a columbe Yeah, yeah. 89 00:04:28,680 --> 00:04:31,680 Speaker 2: Yeah, okay, okay, cash is definitely king. Yeah, I love it. 90 00:04:31,760 --> 00:04:34,479 Speaker 2: And is that just like what type of work is 91 00:04:34,520 --> 00:04:35,800 Speaker 2: he doing? Is he like trades? 92 00:04:35,960 --> 00:04:37,560 Speaker 4: Yeah, he's a trade Yeah yeah. 93 00:04:37,480 --> 00:04:39,960 Speaker 2: Yeah, yeah cool. I kind of love that, Like I 94 00:04:40,040 --> 00:04:42,839 Speaker 2: know that that's like, you know, not ideal, but who 95 00:04:42,839 --> 00:04:45,200 Speaker 2: am I to judge? Like cash is king. He probably 96 00:04:45,240 --> 00:04:47,080 Speaker 2: always has like a role in his pocket or something. 97 00:04:47,160 --> 00:04:50,320 Speaker 2: Is that the experience you had when you were growing up? 98 00:04:50,520 --> 00:04:52,799 Speaker 4: Yeah? It was like Dad was like just like the ATM, 99 00:04:52,880 --> 00:04:55,040 Speaker 4: like when we're like in teenage years and like we 100 00:04:55,080 --> 00:04:57,400 Speaker 4: didn't have money to go out, but would be like, 101 00:04:57,839 --> 00:04:59,600 Speaker 4: you know, hey, Dad, like can you stop me a 102 00:04:59,600 --> 00:05:01,279 Speaker 4: couple hun and he just like whipped out. 103 00:05:01,360 --> 00:05:04,680 Speaker 2: I'm like, oh, oh what, that's crazy. There's no way 104 00:05:04,839 --> 00:05:07,200 Speaker 2: if I asked my parents to spot me even one 105 00:05:07,279 --> 00:05:09,560 Speaker 2: hundred bucks, they would have been in the position to 106 00:05:09,600 --> 00:05:12,480 Speaker 2: do that. So when you said, and I'm just trying 107 00:05:12,480 --> 00:05:15,080 Speaker 2: to like pry because it's so pervy, when you said, 108 00:05:15,120 --> 00:05:17,400 Speaker 2: like we didn't grow up with a lot of financial literacy, 109 00:05:17,600 --> 00:05:20,640 Speaker 2: I'm kind of picking up that that wasn't because you 110 00:05:20,680 --> 00:05:22,920 Speaker 2: didn't have money. You kind of grew up and everything 111 00:05:22,960 --> 00:05:26,000 Speaker 2: was like paycheck to paycheck, but like there was cash. 112 00:05:26,040 --> 00:05:28,279 Speaker 2: It wasn't as though, oh paycheck to paycheck, we have 113 00:05:28,320 --> 00:05:30,599 Speaker 2: to eat noodles. And we have nothing. Sorry kids? Is 114 00:05:30,640 --> 00:05:31,279 Speaker 2: that the vibe? 115 00:05:31,360 --> 00:05:33,560 Speaker 4: Yeah? No, we weren't impoverished, Like no, not at all, 116 00:05:33,600 --> 00:05:36,839 Speaker 4: Like we middle class family, Like we were solid. We 117 00:05:37,000 --> 00:05:39,599 Speaker 4: all got jobs at fourteen, like that was a big thing. 118 00:05:39,680 --> 00:05:43,600 Speaker 4: Like my parents have ingrained a sensational, if not probably 119 00:05:43,600 --> 00:05:45,720 Speaker 4: too much of a work ethic into all three of us. 120 00:05:46,200 --> 00:05:48,559 Speaker 4: Our life wasn't about money. It was about hard work. 121 00:05:48,839 --> 00:05:51,680 Speaker 4: And that's like the European thing, Like that's how my 122 00:05:51,800 --> 00:05:54,440 Speaker 4: father was raised and that's how he's raised his children. 123 00:05:54,760 --> 00:05:56,839 Speaker 4: You know, life's not about money, it's about working hard 124 00:05:56,839 --> 00:05:57,600 Speaker 4: and doing the right thing. 125 00:05:57,720 --> 00:06:00,159 Speaker 2: I like that. I feel like that's really wholesome. So 126 00:06:00,240 --> 00:06:02,159 Speaker 2: and it reminds me that like when I was fourteen 127 00:06:02,240 --> 00:06:04,520 Speaker 2: years and nine months, my mom was literally like, you 128 00:06:04,640 --> 00:06:07,520 Speaker 2: have to get a job. And then I was working 129 00:06:07,560 --> 00:06:10,000 Speaker 2: my first job and I was a little cafe and 130 00:06:10,040 --> 00:06:11,839 Speaker 2: it was all fine and well and dandy. And then 131 00:06:12,000 --> 00:06:14,760 Speaker 2: my best friend lived into state and she came over 132 00:06:14,800 --> 00:06:16,960 Speaker 2: for the school holidays to spend some time with me, 133 00:06:17,040 --> 00:06:19,240 Speaker 2: and my mom was like, oh, you don't have a job. 134 00:06:19,320 --> 00:06:21,800 Speaker 2: You should get a job while you're here in Victoria. 135 00:06:21,839 --> 00:06:24,840 Speaker 2: And I was just like, mom, like, you can't do that. 136 00:06:25,480 --> 00:06:28,640 Speaker 2: So yeah, that's probably where my work ethic came from, 137 00:06:28,680 --> 00:06:31,440 Speaker 2: because like, not working wasn't an option. 138 00:06:31,720 --> 00:06:33,800 Speaker 4: Literally, like I'd liked to be that person that can 139 00:06:33,839 --> 00:06:35,920 Speaker 4: sit there and like reading Crochet twenty four to seven, 140 00:06:36,040 --> 00:06:37,920 Speaker 4: or like, you know, I love gardening, but I can't 141 00:06:37,920 --> 00:06:40,360 Speaker 4: do it all day. I need to work. I need 142 00:06:40,360 --> 00:06:41,520 Speaker 4: to be mentally stimulated. 143 00:06:41,640 --> 00:06:44,920 Speaker 2: Yeah, I fully understand that. So tell me what happens 144 00:06:45,040 --> 00:06:47,000 Speaker 2: for the kid whose dad was able to spot him 145 00:06:47,000 --> 00:06:49,359 Speaker 2: a couple of hundred bucks when he turns eighteen and 146 00:06:49,400 --> 00:06:51,520 Speaker 2: then goes out into the world on his own, Like, 147 00:06:51,640 --> 00:06:53,279 Speaker 2: what does that money story look like? 148 00:06:53,520 --> 00:06:53,880 Speaker 4: Awful? 149 00:06:55,880 --> 00:06:56,760 Speaker 2: Thanks dad? 150 00:06:57,000 --> 00:06:59,520 Speaker 4: No, it was like it was like a double one 151 00:06:59,560 --> 00:07:02,880 Speaker 4: ny because I went to university not in my hometown, 152 00:07:03,160 --> 00:07:05,920 Speaker 4: so I had to, like at nearly eighteen and a 153 00:07:05,960 --> 00:07:08,000 Speaker 4: half when I finished year twelve, I had to move 154 00:07:08,040 --> 00:07:10,760 Speaker 4: out of home, Like I had to go into student accommodation, 155 00:07:11,360 --> 00:07:14,600 Speaker 4: and I couldn't work my regular job that I had 156 00:07:14,640 --> 00:07:17,040 Speaker 4: been working. I also had to like pay for food 157 00:07:17,480 --> 00:07:19,200 Speaker 4: and pay for laundry detergent. 158 00:07:19,240 --> 00:07:22,440 Speaker 2: What's that about? Why is laundry detergent so expensive? Still? 159 00:07:22,640 --> 00:07:27,600 Speaker 4: Literally, so that really like threw me. But I'm also 160 00:07:27,680 --> 00:07:29,800 Speaker 4: like a massive extrovert. Well not so much now, but 161 00:07:29,880 --> 00:07:31,640 Speaker 4: I used to be, and I used to love going out, 162 00:07:31,680 --> 00:07:33,880 Speaker 4: and I used to love partying, and I love being social. 163 00:07:34,240 --> 00:07:37,000 Speaker 4: So I'd always somehow make it work. I'd always somehow 164 00:07:37,080 --> 00:07:39,240 Speaker 4: have money for drinks, taxi and cigarettes. 165 00:07:39,640 --> 00:07:41,280 Speaker 2: But then, like, I feel like you and I have 166 00:07:41,480 --> 00:07:44,440 Speaker 2: very similar money stories, like like in terms of growing 167 00:07:44,480 --> 00:07:47,120 Speaker 2: up great middle class, but then also like going off 168 00:07:47,160 --> 00:07:49,160 Speaker 2: to university at eighteen and being like, what do you 169 00:07:49,200 --> 00:07:51,480 Speaker 2: mean laundry deterreg is that much? What do you mean 170 00:07:51,520 --> 00:07:55,320 Speaker 2: I have to buy dishwashing liquid? Like what the heck? 171 00:07:55,480 --> 00:07:57,800 Speaker 2: Olive oil absolutely not? Are you rich? 172 00:07:57,920 --> 00:07:59,800 Speaker 4: You at thirty? Olive oil? Absolutely nott. 173 00:08:00,480 --> 00:08:02,200 Speaker 2: Like I'm grateful to be in a position where I 174 00:08:02,200 --> 00:08:04,440 Speaker 2: can afford it now, but I still have those money 175 00:08:04,480 --> 00:08:06,120 Speaker 2: habits in the back of my head, like when I 176 00:08:06,160 --> 00:08:08,880 Speaker 2: go to literally I'm standing in Stupermarket looking at the 177 00:08:08,920 --> 00:08:11,920 Speaker 2: olive oil and I'm like, what the heck, Like that's 178 00:08:12,000 --> 00:08:13,920 Speaker 2: absolutely insane. 179 00:08:13,720 --> 00:08:17,800 Speaker 4: It's cooked. But I got clever, so I couldn't find 180 00:08:17,800 --> 00:08:20,920 Speaker 4: secure work up there, Like it was very transient. It's 181 00:08:21,000 --> 00:08:24,600 Speaker 4: student accommodation, so it's very competitive. So I was working 182 00:08:25,480 --> 00:08:28,760 Speaker 4: at a bar back in Melbourne, so I would travel 183 00:08:29,120 --> 00:08:31,400 Speaker 4: at night or on weekends and go work in the bar, 184 00:08:31,760 --> 00:08:34,400 Speaker 4: but I'd also drop off my Washington mum and dad's place, 185 00:08:34,920 --> 00:08:37,000 Speaker 4: and I would leave on the Sunday to come back 186 00:08:37,040 --> 00:08:40,320 Speaker 4: to Uni with like a boot full of groceries fresh 187 00:08:40,400 --> 00:08:43,280 Speaker 4: fruit in Uni. Who can afford that berries? Oh? 188 00:08:43,320 --> 00:08:46,280 Speaker 2: Absolutely not, absolutely not. We were living our best megurag 189 00:08:46,360 --> 00:08:47,319 Speaker 2: life so like where my. 190 00:08:47,280 --> 00:08:49,600 Speaker 4: Parents couldn't really spot me a lot of cash, like 191 00:08:49,720 --> 00:08:51,800 Speaker 4: to support my rent, but they would do my washing, 192 00:08:51,840 --> 00:08:54,640 Speaker 4: they give me food like they would, you know, they. 193 00:08:54,520 --> 00:08:57,680 Speaker 2: Were great like that, very wholesome. Yeah, I love that, 194 00:08:57,800 --> 00:09:00,600 Speaker 2: And I feel like that's your talking about that with 195 00:09:00,640 --> 00:09:02,840 Speaker 2: such joy as well, Like I can see you smiling, 196 00:09:02,880 --> 00:09:04,720 Speaker 2: thing like those were the good years, Like we had 197 00:09:04,760 --> 00:09:07,400 Speaker 2: a lot of fun. But then you said a little 198 00:09:07,400 --> 00:09:09,280 Speaker 2: bit later you ended up being a little bit of 199 00:09:09,320 --> 00:09:12,200 Speaker 2: a hot mess talk to me about student loans and 200 00:09:12,240 --> 00:09:15,760 Speaker 2: your car loan and then you know, not really being 201 00:09:15,800 --> 00:09:16,920 Speaker 2: that savvy with money. 202 00:09:17,000 --> 00:09:20,160 Speaker 4: So like I make good money, like I do, like 203 00:09:20,240 --> 00:09:23,360 Speaker 4: I but I was single. I either had like my 204 00:09:23,400 --> 00:09:26,480 Speaker 4: own apartment or I was in a sharehouse. I never 205 00:09:26,559 --> 00:09:28,920 Speaker 4: had intentions of buying a house. I didn't It wasn't 206 00:09:28,920 --> 00:09:31,720 Speaker 4: for me. I was a single guy. I wanted to travel. 207 00:09:31,760 --> 00:09:33,959 Speaker 4: I wanted to go see all the shows. I wanted 208 00:09:33,960 --> 00:09:36,600 Speaker 4: to do all the fun things. And that created like 209 00:09:36,679 --> 00:09:39,840 Speaker 4: a habit of spending, like no worries, I've got it, 210 00:09:39,880 --> 00:09:43,600 Speaker 4: and like I'm also very generous, I guess, so like, now, girl, 211 00:09:43,600 --> 00:09:45,640 Speaker 4: don't worry, I'll spot you like all that jazz, and 212 00:09:45,679 --> 00:09:48,200 Speaker 4: I don't regret it. But yeah, I got to like 213 00:09:48,240 --> 00:09:51,760 Speaker 4: twenty six, twenty seven, twenty eight, I was like in 214 00:09:51,800 --> 00:09:53,920 Speaker 4: my late twenties and I was going to move to 215 00:09:53,920 --> 00:09:56,400 Speaker 4: the UK in twelve months. I was going to go 216 00:09:56,520 --> 00:09:59,880 Speaker 4: do that, live my best life over there. And then 217 00:10:00,360 --> 00:10:01,880 Speaker 4: one night I met my now fiance. 218 00:10:02,200 --> 00:10:04,120 Speaker 2: Oh, tell me how did you meet? 219 00:10:04,400 --> 00:10:05,160 Speaker 4: We met online? 220 00:10:06,240 --> 00:10:08,520 Speaker 2: Yeah, I mean I met my husband on Tinder. Like 221 00:10:08,640 --> 00:10:10,320 Speaker 2: I used to be shy about that, and now I'm 222 00:10:10,400 --> 00:10:11,319 Speaker 2: like that was such. 223 00:10:11,160 --> 00:10:13,840 Speaker 4: A win badge of wanna. We're like at one percent. 224 00:10:13,559 --> 00:10:15,520 Speaker 2: One hundred percent and now I'm married to him. So 225 00:10:15,559 --> 00:10:16,920 Speaker 2: tell me how that didn't work out? 226 00:10:17,080 --> 00:10:19,800 Speaker 4: Correct? No, we met online and then I went out 227 00:10:19,800 --> 00:10:22,000 Speaker 4: one night for work drinks being that hot mess that 228 00:10:22,040 --> 00:10:24,559 Speaker 4: I was drank too much, and then I called him 229 00:10:24,559 --> 00:10:26,400 Speaker 4: and asked him to pick me up because I couldn't look. 230 00:10:26,720 --> 00:10:29,720 Speaker 2: Nice and he was like absolutely future husband. 231 00:10:29,960 --> 00:10:33,720 Speaker 4: Yes. And then from there like things changed, like that's 232 00:10:33,760 --> 00:10:35,600 Speaker 4: saying like you know, you know when you meet the 233 00:10:35,640 --> 00:10:39,000 Speaker 4: right person, so true. So within like three or four weeks, 234 00:10:39,040 --> 00:10:42,040 Speaker 4: I was like, oh, this is like serious, this is legit. 235 00:10:42,440 --> 00:10:45,240 Speaker 2: Yeah, isn't it crazy? And like you were planning on 236 00:10:45,280 --> 00:10:46,920 Speaker 2: moving to the UK? So did that just go out 237 00:10:46,920 --> 00:10:49,160 Speaker 2: the window? Like what did you do? Had you booked anything, 238 00:10:49,280 --> 00:10:50,280 Speaker 2: organized anything? 239 00:10:50,440 --> 00:10:53,880 Speaker 4: I had gone to three or four information sessions about 240 00:10:53,960 --> 00:10:56,480 Speaker 4: working in the UK and the visas and getting sponsored 241 00:10:56,520 --> 00:10:59,040 Speaker 4: and all that, and I had a little little nest 242 00:10:59,040 --> 00:11:02,160 Speaker 4: egg to pay for my v up and then yeah, 243 00:11:02,200 --> 00:11:05,199 Speaker 4: so I met my partner and then my lease was 244 00:11:05,280 --> 00:11:08,160 Speaker 4: up in December, so six months later, so we had 245 00:11:08,160 --> 00:11:10,559 Speaker 4: to have that conversation like am I resigning my lease? 246 00:11:10,800 --> 00:11:14,080 Speaker 2: Are we after six months? You definitely knew, didn't you? 247 00:11:14,640 --> 00:11:16,800 Speaker 4: I did, And like, so we're spending pretty much every 248 00:11:16,880 --> 00:11:19,240 Speaker 4: night together anyway. So then we decided he was in 249 00:11:19,240 --> 00:11:21,320 Speaker 4: a sharehouse. He had a little bit left on his lease, 250 00:11:21,600 --> 00:11:23,880 Speaker 4: so we decided we'd go for a trial period while 251 00:11:23,960 --> 00:11:25,959 Speaker 4: his lease was going to run out. So I jumped 252 00:11:26,000 --> 00:11:29,560 Speaker 4: in with him and then everything changed, like it all. 253 00:11:30,160 --> 00:11:33,079 Speaker 4: You know, we were a unit. We had duel income 254 00:11:33,200 --> 00:11:36,080 Speaker 4: for the one household. We back then we were both 255 00:11:36,080 --> 00:11:37,680 Speaker 4: working full time, so we had like a lot of 256 00:11:37,720 --> 00:11:40,920 Speaker 4: income for one household. So we yet did all that, 257 00:11:41,200 --> 00:11:43,360 Speaker 4: and then he decided to go back and study, and 258 00:11:43,440 --> 00:11:45,280 Speaker 4: I really encouraged him to go get his degree. He'd 259 00:11:45,280 --> 00:11:47,120 Speaker 4: always One of the first things he said to me 260 00:11:47,280 --> 00:11:50,080 Speaker 4: was he wanted to get his degree. And I said, well, 261 00:11:50,400 --> 00:11:53,319 Speaker 4: I make okay money, we can do it. Now's the 262 00:11:53,360 --> 00:11:55,000 Speaker 4: time to do it, because if we can't do it 263 00:11:55,040 --> 00:11:55,760 Speaker 4: in five years time. 264 00:11:55,640 --> 00:11:57,600 Speaker 2: If we have a mortgage, yeah, one hundred percent, Like 265 00:11:57,640 --> 00:12:00,200 Speaker 2: everything's just a lot tighter when that mortgage had to 266 00:12:00,200 --> 00:12:02,920 Speaker 2: be paid every single month. That was smart move from you. 267 00:12:03,760 --> 00:12:06,320 Speaker 2: So was that like a loss of who you were? 268 00:12:06,600 --> 00:12:09,360 Speaker 2: Or was that like a glow up? I mean moving 269 00:12:09,400 --> 00:12:11,760 Speaker 2: to the UK obviously really cool. I feel like that's 270 00:12:11,760 --> 00:12:13,880 Speaker 2: something I absolutely would have done had I not met 271 00:12:13,880 --> 00:12:17,720 Speaker 2: my partner, because I feel like being a little bit extroverted, 272 00:12:17,760 --> 00:12:19,680 Speaker 2: like wanting to see the world, Like I don't know, 273 00:12:19,720 --> 00:12:21,760 Speaker 2: we all romanticize this idea that we can move to 274 00:12:21,800 --> 00:12:24,880 Speaker 2: London basically and then travel on the weekends, right, Like 275 00:12:24,920 --> 00:12:27,720 Speaker 2: you could totally do a long weekend in France, Like 276 00:12:27,840 --> 00:12:31,880 Speaker 2: that's so easy, but now everything's changed. Was that an 277 00:12:32,000 --> 00:12:35,280 Speaker 2: exciting change? Like, obviously we're obsessed with this person. We 278 00:12:35,360 --> 00:12:36,880 Speaker 2: want to spend our life with them. We don't want 279 00:12:36,920 --> 00:12:39,120 Speaker 2: to change that. But did you ever feel like, oh, 280 00:12:39,160 --> 00:12:40,800 Speaker 2: I'm not going to be able to achieve that or 281 00:12:40,880 --> 00:12:43,000 Speaker 2: do that, or was that just a I don't even 282 00:12:43,040 --> 00:12:45,400 Speaker 2: care anymore? That was just filling time while I was 283 00:12:45,440 --> 00:12:46,920 Speaker 2: waiting for my person to come along. 284 00:12:47,040 --> 00:12:50,000 Speaker 4: It was fifty to fifty. I think meeting my partner 285 00:12:50,080 --> 00:12:51,720 Speaker 4: and this is going to get really sappy, But meeting 286 00:12:51,720 --> 00:12:54,400 Speaker 4: my partner really healed a part of me, a teenage 287 00:12:54,440 --> 00:12:57,040 Speaker 4: part of me. Growing up gay in a Catholic school 288 00:12:57,120 --> 00:13:01,199 Speaker 4: is hard and dating is absolute not nice people for 289 00:13:01,720 --> 00:13:03,680 Speaker 4: your twenties, Like it's your twenties, that's what you're meant 290 00:13:03,679 --> 00:13:03,880 Speaker 4: to do. 291 00:13:04,240 --> 00:13:07,560 Speaker 2: But like, but dating as a woman trash dating is 292 00:13:07,559 --> 00:13:10,040 Speaker 2: a gay man with all of my gay friends, Like 293 00:13:10,120 --> 00:13:12,840 Speaker 2: I haven't done it, but like it looks even worse, 294 00:13:13,200 --> 00:13:14,480 Speaker 2: Like it looks even trashier. 295 00:13:14,840 --> 00:13:16,680 Speaker 4: It's so awful. 296 00:13:16,920 --> 00:13:19,280 Speaker 2: It's like the dregs of the Internet come out, and 297 00:13:19,640 --> 00:13:21,800 Speaker 2: I just I'm shook that you stuck with it. But 298 00:13:21,800 --> 00:13:23,360 Speaker 2: I'm glad you found a good one. 299 00:13:23,280 --> 00:13:25,960 Speaker 4: Literally, so you know, it was that kind of thing, like, Okay, 300 00:13:26,000 --> 00:13:28,880 Speaker 4: my life is changing, but it's changing for the better. 301 00:13:29,320 --> 00:13:32,200 Speaker 4: Like I have got my perfect match. I've got someone 302 00:13:32,240 --> 00:13:35,040 Speaker 4: that challenges me, loves me unconditionally. I've got someone to 303 00:13:35,080 --> 00:13:38,960 Speaker 4: share the good things with. You know, I've got a 304 00:13:39,040 --> 00:13:40,920 Speaker 4: family now, like I've got my family now. 305 00:13:41,000 --> 00:13:43,440 Speaker 2: You know what I mean, You're building it yourself, which 306 00:13:43,480 --> 00:13:46,000 Speaker 2: is so exciting. Tell me a bit more because I'm 307 00:13:46,040 --> 00:13:48,480 Speaker 2: picking up so you were saying before, like you know, 308 00:13:48,559 --> 00:13:51,960 Speaker 2: my dad's European, he's got the Cashanese pocket, like he 309 00:13:52,440 --> 00:13:54,720 Speaker 2: wanted to help us out wherever he could. You know, 310 00:13:54,840 --> 00:13:57,839 Speaker 2: he works as a trade I'm picking up some traditional 311 00:13:57,920 --> 00:14:00,640 Speaker 2: vibes and that's you know, a good and a bad thing. 312 00:14:00,720 --> 00:14:02,520 Speaker 2: But then you said, growing up as a gay man 313 00:14:02,559 --> 00:14:06,240 Speaker 2: in a Catholic school system was that something you always knew? 314 00:14:06,679 --> 00:14:09,360 Speaker 2: Because I feel like sometimes growing up in that system, 315 00:14:09,400 --> 00:14:11,320 Speaker 2: they're like, oh no, that's not a thing, and you 316 00:14:11,600 --> 00:14:14,120 Speaker 2: have to spend a lot more time learning who you are, Like, 317 00:14:14,200 --> 00:14:17,600 Speaker 2: tell me about that journey and living in a relatively traditional, 318 00:14:17,720 --> 00:14:19,479 Speaker 2: especially European family. 319 00:14:19,320 --> 00:14:24,760 Speaker 4: Looking hindsight, always knew like please, at the time, though 320 00:14:25,240 --> 00:14:28,000 Speaker 4: I had no idea. I really was like, you know, 321 00:14:28,280 --> 00:14:30,280 Speaker 4: everyone else is talking about, you know, how hot so 322 00:14:30,360 --> 00:14:31,040 Speaker 4: and so is so? 323 00:14:31,040 --> 00:14:33,160 Speaker 2: So am I oh yeah, yeah, yeah, like and you 324 00:14:33,200 --> 00:14:35,840 Speaker 2: weren't wrong. She probably was hot, but I don't want 325 00:14:35,840 --> 00:14:36,440 Speaker 2: to sleep with that. 326 00:14:37,080 --> 00:14:38,720 Speaker 4: Like I loved how her hair curled at the end, 327 00:14:38,800 --> 00:14:40,479 Speaker 4: I didn't really love her breasts. 328 00:14:40,160 --> 00:14:45,120 Speaker 2: You know, you were like that highlighter is so sleigh. 329 00:14:44,920 --> 00:14:46,720 Speaker 4: Literally like her tan perfect. 330 00:14:48,000 --> 00:14:50,320 Speaker 2: She smells so good, babe, what is that? I would 331 00:14:50,400 --> 00:14:54,040 Speaker 2: like to pick it up Britney spears back then, Oh, 332 00:14:54,160 --> 00:14:56,800 Speaker 2: don't even Britney Smith fan to see. I'm known for. 333 00:14:56,800 --> 00:14:59,360 Speaker 4: It literally, So yeah, back then I kind of like 334 00:14:59,680 --> 00:15:03,160 Speaker 4: early on didn't know, and then like after that suppressed 335 00:15:03,200 --> 00:15:05,120 Speaker 4: it or was like, well I'm bisexual, that's what I 336 00:15:05,760 --> 00:15:08,880 Speaker 4: wasn't out. That was just internal kind of things. And 337 00:15:08,920 --> 00:15:12,880 Speaker 4: then yeah, early twenties, really early twenties, I kind of 338 00:15:12,920 --> 00:15:14,840 Speaker 4: struggled with my mental health a little bit. That was 339 00:15:14,880 --> 00:15:17,680 Speaker 4: the catalyst, like that was the thing, and yeah, just 340 00:15:17,720 --> 00:15:20,520 Speaker 4: really liberating. And Mum and dad weren't great with it 341 00:15:20,600 --> 00:15:24,120 Speaker 4: at the start. But I think meeting my partner and 342 00:15:24,240 --> 00:15:27,000 Speaker 4: seeing how my life has changed for the better. We've 343 00:15:27,000 --> 00:15:29,040 Speaker 4: been together for three years three and a half years now, 344 00:15:29,480 --> 00:15:32,000 Speaker 4: I think that has really brought them along for the journey, 345 00:15:32,040 --> 00:15:33,120 Speaker 4: like along for the ride. 346 00:15:33,320 --> 00:15:35,640 Speaker 2: Yeah, And I love that because it makes it real. 347 00:15:35,760 --> 00:15:38,320 Speaker 2: I feel like, you know, having not gone through this, 348 00:15:38,480 --> 00:15:40,680 Speaker 2: but like my best friend is gay, and like when 349 00:15:40,720 --> 00:15:42,720 Speaker 2: she came out as gay, she told me, like she 350 00:15:42,840 --> 00:15:46,240 Speaker 2: literally flew from Tasmania to tell me, and I was like, baby, 351 00:15:46,280 --> 00:15:49,320 Speaker 2: the closet was glass, Like are you for real? Like 352 00:15:49,400 --> 00:15:52,560 Speaker 2: are you for real? Like is this actually news? Okay? 353 00:15:53,240 --> 00:15:55,480 Speaker 2: But having parents who grew up with that kind of 354 00:15:55,480 --> 00:15:58,240 Speaker 2: European culture, I think they have all these misconceptions about 355 00:15:58,240 --> 00:16:01,000 Speaker 2: what that might actually look like. And then then getting 356 00:16:01,000 --> 00:16:03,840 Speaker 2: to meet your partner, they were like, oh, oh, this 357 00:16:03,920 --> 00:16:06,400 Speaker 2: is what it's like. He's beautiful. I'd love for him 358 00:16:06,440 --> 00:16:08,760 Speaker 2: to be part of my family. What are you talking about? 359 00:16:08,800 --> 00:16:11,160 Speaker 2: And I think that that's just it's so nice that 360 00:16:11,200 --> 00:16:13,640 Speaker 2: you finally got that, Like it just makes me so 361 00:16:13,720 --> 00:16:16,440 Speaker 2: happy that that kind of has come full circle. And 362 00:16:16,480 --> 00:16:18,120 Speaker 2: I mean, I'm glad that you didn't go through a 363 00:16:18,120 --> 00:16:20,560 Speaker 2: lot of situations that other people do, but like the 364 00:16:20,640 --> 00:16:23,440 Speaker 2: mental health stuff breaks my heart because it was just 365 00:16:23,480 --> 00:16:25,560 Speaker 2: like that's who you were. You didn't need to feel 366 00:16:25,560 --> 00:16:26,400 Speaker 2: bad about it. 367 00:16:26,520 --> 00:16:29,800 Speaker 4: Literally it was. It's wild how much society has changed 368 00:16:29,800 --> 00:16:32,160 Speaker 4: in such a short amount of time. And you think, 369 00:16:32,240 --> 00:16:37,040 Speaker 4: if you look at like the last fifty years, whoa, whoa. 370 00:16:37,360 --> 00:16:40,080 Speaker 4: So like, I'm blessed. I'm so lucky that I grew 371 00:16:40,160 --> 00:16:42,520 Speaker 4: up in like I was born in the nineties. I'm 372 00:16:42,560 --> 00:16:43,880 Speaker 4: so lucky that I was born in the nineties, not 373 00:16:43,880 --> 00:16:44,680 Speaker 4: born in the seventies. 374 00:16:44,760 --> 00:16:47,640 Speaker 2: Oh, one hundred percent. One hundred percent. And I mean, 375 00:16:47,680 --> 00:16:49,640 Speaker 2: it doesn't mean that it was a perfect ride, but 376 00:16:49,680 --> 00:16:52,440 Speaker 2: it was far easier than what it could have been. Absolutely, 377 00:16:52,640 --> 00:16:55,000 Speaker 2: And I mean we've come in leaps and bounds, But 378 00:16:55,320 --> 00:16:58,320 Speaker 2: I actually would love to get your take. Obviously, Trump 379 00:16:58,360 --> 00:17:02,760 Speaker 2: has just been inaugurated as the President of America, and like, 380 00:17:02,840 --> 00:17:04,280 Speaker 2: I feel like you and I are on the same page, 381 00:17:04,359 --> 00:17:06,679 Speaker 2: so we probably have the same colorful I don't know 382 00:17:07,280 --> 00:17:10,800 Speaker 2: beliefs about this happening. But when he was inaugurated, he 383 00:17:10,840 --> 00:17:13,640 Speaker 2: obviously signed a bill in to say, you know, we're 384 00:17:13,680 --> 00:17:16,280 Speaker 2: going to move back to having just two genders, and 385 00:17:16,320 --> 00:17:18,520 Speaker 2: we're going to you know, suppress the rights of the 386 00:17:18,640 --> 00:17:22,720 Speaker 2: LGBTQIA plus community. How do you think that that is 387 00:17:22,760 --> 00:17:26,600 Speaker 2: going to ripple effect into our society because obviously America 388 00:17:26,720 --> 00:17:29,320 Speaker 2: usually like kind of leads by example and like it 389 00:17:29,400 --> 00:17:31,560 Speaker 2: filters on because like they're the big dogs, right and 390 00:17:31,600 --> 00:17:34,640 Speaker 2: I mean technology happens, their first shopping happens, their first 391 00:17:34,640 --> 00:17:37,359 Speaker 2: fashion happens, their first like and I'm not trying to 392 00:17:37,359 --> 00:17:40,280 Speaker 2: distill it down to be as I guess candid as that, 393 00:17:40,600 --> 00:17:43,560 Speaker 2: but like, if that's the way things go for those areas, 394 00:17:44,200 --> 00:17:46,080 Speaker 2: do you think that those types of views are going 395 00:17:46,119 --> 00:17:47,680 Speaker 2: to filter back into Australia. 396 00:17:47,760 --> 00:17:50,880 Speaker 4: It gives permission for people to say the rude. 397 00:17:50,720 --> 00:17:51,920 Speaker 2: Thing, which is gross. 398 00:17:52,200 --> 00:17:55,600 Speaker 4: Yeah, so it's okay because like I'm doing what the 399 00:17:55,640 --> 00:17:57,760 Speaker 4: Americans can do, I'm doing what the president can do. 400 00:17:58,080 --> 00:18:01,280 Speaker 4: You know, I'm allowed to use my voice. And yeah, 401 00:18:01,320 --> 00:18:03,439 Speaker 4: so I think it's going to get rid of the 402 00:18:03,520 --> 00:18:06,600 Speaker 4: tolerance that was there. You know, I'm full prepared for 403 00:18:06,640 --> 00:18:08,800 Speaker 4: it to get rid of the tolerance, and bigotry will 404 00:18:08,840 --> 00:18:11,240 Speaker 4: come through, I think, because you know, for such a 405 00:18:11,280 --> 00:18:13,320 Speaker 4: long time, society said, no, it's not okay for you 406 00:18:13,359 --> 00:18:15,320 Speaker 4: to be rude, it's not okay for you to spread hate, 407 00:18:15,359 --> 00:18:17,960 Speaker 4: it's not okay you know, if you don't like anyone, 408 00:18:18,160 --> 00:18:20,000 Speaker 4: if you can't say something. Ice Dant saying anything at all, 409 00:18:20,320 --> 00:18:23,040 Speaker 4: And now we've got that, that's all. Like, now say 410 00:18:23,040 --> 00:18:25,159 Speaker 4: what you want, do what you want. They're not human. 411 00:18:25,359 --> 00:18:27,960 Speaker 2: Yeah, it's breaking my heart at the moment thinking about it, 412 00:18:28,000 --> 00:18:30,920 Speaker 2: because I had this conversation with a friend the other day. 413 00:18:31,240 --> 00:18:33,480 Speaker 2: I was like, when did you realize that you were gay? 414 00:18:33,600 --> 00:18:36,159 Speaker 2: Like when did this happen? Because historically they had dated 415 00:18:36,200 --> 00:18:38,840 Speaker 2: men like consistently, And I was like, when did that 416 00:18:39,000 --> 00:18:41,920 Speaker 2: switch happen? Because obviously I'm not privy to their life 417 00:18:41,960 --> 00:18:43,840 Speaker 2: like in that way. She was like, do you know 418 00:18:43,880 --> 00:18:47,560 Speaker 2: what it was? It was when gay marriage was legalized 419 00:18:47,600 --> 00:18:50,359 Speaker 2: in Australia and I realized that was an option, and 420 00:18:50,440 --> 00:18:53,480 Speaker 2: I went, hold on before that it was illegal, and 421 00:18:53,520 --> 00:18:55,439 Speaker 2: I came from a very small town, and you know 422 00:18:55,520 --> 00:18:57,439 Speaker 2: you kind of go, oh, maybe I'm playing around with 423 00:18:57,520 --> 00:18:59,359 Speaker 2: this for a little while, and like it's not very 424 00:18:59,400 --> 00:19:01,000 Speaker 2: serious because at the end of the day, I couldn't 425 00:19:01,000 --> 00:19:03,239 Speaker 2: ever marry someone and have a family with them, so like, 426 00:19:03,440 --> 00:19:05,760 Speaker 2: maybe I'll quite grow up one day. And then it 427 00:19:05,800 --> 00:19:08,639 Speaker 2: became legal and she went, ah, I can do that. Actually, 428 00:19:08,640 --> 00:19:11,080 Speaker 2: I'd much prefer that that would be a better outcome. 429 00:19:11,520 --> 00:19:15,119 Speaker 2: And I just I remember that conversation Obviously that happened 430 00:19:15,119 --> 00:19:17,159 Speaker 2: a little while ago, but I remember that conversation and 431 00:19:17,200 --> 00:19:20,600 Speaker 2: going wow, not just the progress of giving you permission 432 00:19:20,840 --> 00:19:22,879 Speaker 2: if you were already in that situation, like I adore 433 00:19:22,920 --> 00:19:24,800 Speaker 2: the fact that you can marry your partner and like 434 00:19:24,920 --> 00:19:26,960 Speaker 2: just do whatever the hell you want to do. But 435 00:19:27,080 --> 00:19:30,280 Speaker 2: on the flip side, it gave people permission to go, oh, 436 00:19:30,359 --> 00:19:32,720 Speaker 2: I actually really resonate with that, and now that it's 437 00:19:32,920 --> 00:19:35,399 Speaker 2: an option, that's the option I'd like to pick. Like 438 00:19:35,880 --> 00:19:38,399 Speaker 2: that breaks my heart to think that we're going back 439 00:19:38,600 --> 00:19:40,800 Speaker 2: because people won't be able to resonate with who they 440 00:19:40,800 --> 00:19:43,639 Speaker 2: truly are, truly, Like, I'm very angry about this at 441 00:19:43,680 --> 00:19:47,000 Speaker 2: the moment. So let's go back to the money diary, 442 00:19:47,200 --> 00:19:49,280 Speaker 2: because I want to know. You said before, I make 443 00:19:49,320 --> 00:19:52,199 Speaker 2: good money. V what is that money? And what do 444 00:19:52,240 --> 00:19:54,720 Speaker 2: you do for it? Like, what's your job, my friend. 445 00:19:54,520 --> 00:19:55,639 Speaker 4: I'm a primary school teacher. 446 00:19:55,840 --> 00:19:57,880 Speaker 2: Of course, you are the kindest of humans. 447 00:19:58,040 --> 00:20:02,080 Speaker 4: Sorry. I combined income so combined finances, so I often 448 00:20:02,119 --> 00:20:04,439 Speaker 4: refer to it as like household. So our combined income 449 00:20:04,560 --> 00:20:07,320 Speaker 4: is one hundred and forty five a year. I make 450 00:20:07,440 --> 00:20:10,760 Speaker 4: ninety five of that and my partner makes about fifty 451 00:20:10,800 --> 00:20:11,080 Speaker 4: of that. 452 00:20:11,359 --> 00:20:13,080 Speaker 2: Very cool. So tell me what does your partner do. 453 00:20:13,280 --> 00:20:14,639 Speaker 4: He is a kindergarten teacher. 454 00:20:14,800 --> 00:20:18,040 Speaker 2: Oh my gosh, you're both wholesome humans. 455 00:20:18,600 --> 00:20:21,480 Speaker 4: Stop her. So he's a sessional kindergarten teacher, so he 456 00:20:21,520 --> 00:20:24,560 Speaker 4: can only work part time, and then he does casual 457 00:20:24,600 --> 00:20:25,399 Speaker 4: stuff on the side. 458 00:20:25,520 --> 00:20:28,439 Speaker 2: I adore that. Tell me a bit more about like 459 00:20:28,600 --> 00:20:31,920 Speaker 2: big money goals, because obviously you've gotten engaged and you're 460 00:20:31,920 --> 00:20:35,240 Speaker 2: planning a wedding, all nice ring you guys don't get 461 00:20:35,240 --> 00:20:37,879 Speaker 2: to see it, but I did. You've bought a house. 462 00:20:38,040 --> 00:20:39,879 Speaker 2: Tell me about your big money goals because in your 463 00:20:39,880 --> 00:20:42,760 Speaker 2: money diary you said, like we might even adopt a child. Like, 464 00:20:42,880 --> 00:20:46,000 Speaker 2: obviously these things are expensive, so expensive. 465 00:20:46,560 --> 00:20:50,240 Speaker 4: So goal number one is to renovate our house, which 466 00:20:50,280 --> 00:20:52,840 Speaker 4: is really exciting and it's like a great creative outlet, 467 00:20:52,880 --> 00:20:56,439 Speaker 4: but it is hell expensive. Goal number two is to 468 00:20:56,480 --> 00:21:00,680 Speaker 4: get married, whether that is the big beautiful or whether 469 00:21:00,720 --> 00:21:02,800 Speaker 4: that is a small ceremony and we go traveling for 470 00:21:02,840 --> 00:21:05,439 Speaker 4: three months afterwards. Either way, it's going to have a 471 00:21:05,440 --> 00:21:06,719 Speaker 4: big price ticket against it. 472 00:21:07,000 --> 00:21:09,960 Speaker 2: Yeah, yep, the whole the shebang is very expensive. 473 00:21:10,160 --> 00:21:12,520 Speaker 4: And then yeah, we would love to be parents one day, 474 00:21:12,560 --> 00:21:17,080 Speaker 4: but adoption overseas adoption or surrogacy is really really expensive, 475 00:21:17,160 --> 00:21:20,840 Speaker 4: like six figures, So yeah, that's more of a pipe dream. 476 00:21:21,040 --> 00:21:23,720 Speaker 2: Oh my gosh, Yeah, yeah, totally. I can ask for 477 00:21:23,760 --> 00:21:26,600 Speaker 2: permission for me to connect you with the I don't 478 00:21:26,600 --> 00:21:29,160 Speaker 2: know if you ever listen to the money diary of 479 00:21:29,440 --> 00:21:32,119 Speaker 2: the only other guy I've actually had on the show. 480 00:21:32,440 --> 00:21:34,399 Speaker 2: He is now one of my friends and one of 481 00:21:34,440 --> 00:21:38,560 Speaker 2: the most beautiful human beings. And side note update, they're 482 00:21:38,600 --> 00:21:42,679 Speaker 2: currently expecting their baby, Oh my goodness, which is so 483 00:21:43,240 --> 00:21:46,000 Speaker 2: exciting and like, I don't know if I'm going to 484 00:21:46,080 --> 00:21:47,720 Speaker 2: like I can't share it because I know the gender 485 00:21:47,800 --> 00:21:49,760 Speaker 2: and like they've been posting about it. But I can 486 00:21:49,800 --> 00:21:52,080 Speaker 2: ask for mission to introduce the two of you so 487 00:21:52,080 --> 00:21:53,840 Speaker 2: that you could talk about that journey, because I feel 488 00:21:53,840 --> 00:21:56,720 Speaker 2: like that amazing. There are so many like obviously you 489 00:21:56,720 --> 00:21:59,479 Speaker 2: can do your research online, but there's research online, and 490 00:21:59,520 --> 00:22:02,439 Speaker 2: then there's the reality of the situation and talking to 491 00:22:02,480 --> 00:22:05,199 Speaker 2: one one. So I will connect you with him, but 492 00:22:05,280 --> 00:22:07,720 Speaker 2: I think you'll be so excited because they're so far down, 493 00:22:08,080 --> 00:22:12,000 Speaker 2: like they're currently on their last family holiday before this 494 00:22:12,080 --> 00:22:15,200 Speaker 2: baby arrives, and like every time they post on social media, 495 00:22:15,320 --> 00:22:19,760 Speaker 2: I like lose my mind. That's amazing anyway wholesome humans. 496 00:22:20,119 --> 00:22:23,680 Speaker 2: So obviously that's really expensive. What research have you done 497 00:22:23,720 --> 00:22:25,919 Speaker 2: into what that could potentially cost you as a family. 498 00:22:26,040 --> 00:22:28,520 Speaker 4: So a friend of a friend of mine is doing 499 00:22:28,840 --> 00:22:32,879 Speaker 4: sarrogacy in Argentina, and from the day that they decided 500 00:22:32,960 --> 00:22:34,640 Speaker 4: let's have a baby to the day that they will 501 00:22:34,640 --> 00:22:37,480 Speaker 4: eventually hold their child in Australia, it's going to cost 502 00:22:37,520 --> 00:22:41,000 Speaker 4: them over one hundred and twenty k And jirl, you 503 00:22:41,000 --> 00:22:42,680 Speaker 4: can't get a mortgage for a child. 504 00:22:42,640 --> 00:22:45,879 Speaker 2: Like, no, you can't, You truly can't. And I mean, 505 00:22:45,920 --> 00:22:47,520 Speaker 2: I don't know if i'd want that, Like what do 506 00:22:47,560 --> 00:22:50,000 Speaker 2: I do? Pay it off? Over time? One hundred and 507 00:22:50,119 --> 00:22:52,840 Speaker 2: twenty thousand dollars? And like to be real pervy, like 508 00:22:53,200 --> 00:22:57,080 Speaker 2: is that including things like them traveling to Argentina? And 509 00:22:57,160 --> 00:22:59,959 Speaker 2: like I'm assuming that in I don't know enough about Argentina, 510 00:23:00,320 --> 00:23:02,360 Speaker 2: but I'm assuming that they are able to pay their 511 00:23:02,400 --> 00:23:03,400 Speaker 2: surrogate over there. 512 00:23:03,480 --> 00:23:05,720 Speaker 4: They are able to pay their sarrogate. But like each 513 00:23:05,760 --> 00:23:08,720 Speaker 4: ivar found over there is costom them thirty grand So like, 514 00:23:08,880 --> 00:23:11,879 Speaker 4: oh my god, first one failed, so their projected cost 515 00:23:11,960 --> 00:23:14,280 Speaker 4: is a lot more now because the first one failed. 516 00:23:14,640 --> 00:23:17,800 Speaker 4: You know, there's like lots of intricacies, and you know, 517 00:23:17,840 --> 00:23:21,760 Speaker 4: and in Australia there's no sarrogacy laws. So so many 518 00:23:21,760 --> 00:23:24,440 Speaker 4: of my beautiful girlfriends have said, of course I'll carry 519 00:23:24,440 --> 00:23:27,919 Speaker 4: your child, but they always will have parental rights to 520 00:23:27,960 --> 00:23:28,439 Speaker 4: that child. 521 00:23:28,800 --> 00:23:29,040 Speaker 2: What. 522 00:23:29,400 --> 00:23:32,280 Speaker 4: Yeah, there's no sarrogacy laws. There's no sorry c projection 523 00:23:32,400 --> 00:23:33,040 Speaker 4: like in the US. 524 00:23:33,320 --> 00:23:36,119 Speaker 2: Right, So this this maybe me being really dumb, and 525 00:23:36,480 --> 00:23:39,000 Speaker 2: I'm happy to appear dumb because I'm assuming that if 526 00:23:39,040 --> 00:23:41,040 Speaker 2: I'm asking this question, other people listening are like, oh 527 00:23:41,080 --> 00:23:44,720 Speaker 2: my god, I didn't realize that either. From my understanding, 528 00:23:44,840 --> 00:23:47,840 Speaker 2: they would obviously sign up to be your sarygate, but 529 00:23:48,000 --> 00:23:51,160 Speaker 2: don't the parental rights transfer once the baby is born, 530 00:23:51,240 --> 00:23:54,719 Speaker 2: like through a similar process like adoption or how does 531 00:23:54,800 --> 00:23:56,800 Speaker 2: that work in Australia, So you can. 532 00:23:56,840 --> 00:24:00,480 Speaker 4: Yeah, absolutely right, So like, hypothetically, you carry my child 533 00:24:00,960 --> 00:24:04,200 Speaker 4: and then we go through the child is born, happy, healthy, 534 00:24:04,520 --> 00:24:07,880 Speaker 4: and then I would legally adopt that child. But you 535 00:24:07,920 --> 00:24:10,480 Speaker 4: don't have to give up that child. So you could 536 00:24:10,520 --> 00:24:12,800 Speaker 4: give birth to you know, our son or daughter and. 537 00:24:12,840 --> 00:24:15,399 Speaker 2: Go I don't actually want to give you guys this baby. 538 00:24:15,560 --> 00:24:16,960 Speaker 4: Oh my god, how hard would that be? 539 00:24:17,200 --> 00:24:20,760 Speaker 2: I can't imagine it. I can't imagine it, like going 540 00:24:20,800 --> 00:24:23,439 Speaker 2: through that whole journey, like and having you guys be 541 00:24:23,520 --> 00:24:27,480 Speaker 2: emotionally invested, and you would obviously think the best of 542 00:24:27,520 --> 00:24:29,840 Speaker 2: your friends that have agreed to this. But that is 543 00:24:29,880 --> 00:24:31,680 Speaker 2: a risk that I'm not even sure that I would 544 00:24:31,720 --> 00:24:34,400 Speaker 2: be willing to take. Like I don't think i'd sleep 545 00:24:34,440 --> 00:24:36,240 Speaker 2: for the entire nine months, you know, and like. 546 00:24:36,200 --> 00:24:38,920 Speaker 4: What would happen, you know, like the conversations we've had, 547 00:24:39,000 --> 00:24:42,080 Speaker 4: Like what happens friend, if we decided we want to 548 00:24:42,080 --> 00:24:46,359 Speaker 4: move overseas Because obviously if my sister or my best 549 00:24:46,359 --> 00:24:48,240 Speaker 4: friend or all that, if they're carrying my child, they're 550 00:24:48,240 --> 00:24:50,600 Speaker 4: going to be involved with my child life. But how 551 00:24:50,600 --> 00:24:53,760 Speaker 4: would you feel if in ten years we pack up 552 00:24:53,800 --> 00:24:55,560 Speaker 4: and move to Brisbane or we pack up and move 553 00:24:55,600 --> 00:24:58,840 Speaker 4: to Italy. It's not just as simple as saying yes, 554 00:24:58,920 --> 00:24:59,840 Speaker 4: I'll carry your child. 555 00:25:00,119 --> 00:25:03,120 Speaker 2: Yeah wow? And do you think that Obviously there are 556 00:25:03,119 --> 00:25:06,600 Speaker 2: different laws internationally that mean like if they're a surrogate 557 00:25:06,640 --> 00:25:11,080 Speaker 2: and biologically that child, you're like, there's no question about that. Fantastic, 558 00:25:11,680 --> 00:25:15,200 Speaker 2: But would that person still have the same I guess 559 00:25:15,200 --> 00:25:17,560 Speaker 2: involvement in your child's life or does that become a 560 00:25:17,600 --> 00:25:20,240 Speaker 2: little bit more transactional and in that way a little 561 00:25:20,240 --> 00:25:24,200 Speaker 2: bit like we don't have to have this relationship and 562 00:25:24,280 --> 00:25:26,399 Speaker 2: like get to cut the tires. It's not actually about 563 00:25:26,400 --> 00:25:28,760 Speaker 2: being kind. It's more about like we would just like 564 00:25:28,800 --> 00:25:31,440 Speaker 2: to be their parents without any strings attached. 565 00:25:31,520 --> 00:25:34,160 Speaker 4: I it's going to sound awful. You pay for a service, 566 00:25:34,480 --> 00:25:36,520 Speaker 4: like you know it's a business deal. 567 00:25:36,840 --> 00:25:38,840 Speaker 2: Yeah, yep, because like at the end of the day, 568 00:25:38,960 --> 00:25:41,719 Speaker 2: like I'm assuming the sperm and the egg that you 569 00:25:41,720 --> 00:25:45,399 Speaker 2: guys would choose are not the surrogates, correct. Wow, And 570 00:25:45,520 --> 00:25:48,600 Speaker 2: one hundred and twenty thousand dollars is something that you 571 00:25:48,600 --> 00:25:51,720 Speaker 2: know really limits it, Like it becomes an experience where 572 00:25:51,760 --> 00:25:53,680 Speaker 2: you're like, okay, cool, maybe we can say this, maybe 573 00:25:53,720 --> 00:25:56,240 Speaker 2: we get our one hundred and twenty thousand dollars. But 574 00:25:56,760 --> 00:25:59,399 Speaker 2: is that where you would stop because you're from a 575 00:25:59,400 --> 00:26:03,120 Speaker 2: family of like do you go, we'd want siblings, we'd 576 00:26:03,119 --> 00:26:05,360 Speaker 2: want this and that, because that becomes like a half 577 00:26:05,359 --> 00:26:07,080 Speaker 2: a million dollar exercise at that point. 578 00:26:07,240 --> 00:26:12,440 Speaker 4: Literally, I think in an ideal world, I'd love to adopt. 579 00:26:12,920 --> 00:26:15,320 Speaker 4: I think there are so many children out there that 580 00:26:15,440 --> 00:26:18,080 Speaker 4: need love. I think there are so many children out 581 00:26:18,080 --> 00:26:20,439 Speaker 4: there that are stuck in the foster system, and I 582 00:26:20,480 --> 00:26:24,080 Speaker 4: think really that the reality is we will probably adopt 583 00:26:24,119 --> 00:26:27,719 Speaker 4: or foster. The hard thing is actual adoption is very 584 00:26:27,800 --> 00:26:30,399 Speaker 4: rare in Australia. You have a long term foster system. 585 00:26:30,840 --> 00:26:33,280 Speaker 4: What I need does someone drop a beautiful baby on 586 00:26:33,320 --> 00:26:36,159 Speaker 4: my doorstep? If you need to just drop it there, 587 00:26:36,320 --> 00:26:36,720 Speaker 4: they'll be. 588 00:26:36,680 --> 00:26:39,240 Speaker 2: Fine, that'd be fine, that'd be great. And you know what, 589 00:26:39,320 --> 00:26:41,480 Speaker 2: I want that so much for you, Like you have 590 00:26:41,640 --> 00:26:44,080 Speaker 2: this warmth that I'm like, you're going to be the 591 00:26:44,119 --> 00:26:46,520 Speaker 2: best parent. And then when you told me about your partner, 592 00:26:46,600 --> 00:26:49,560 Speaker 2: I was like, I am assuming same warmth and it 593 00:26:49,600 --> 00:26:51,399 Speaker 2: was confirmed when you were like, oh, yeah, they're a 594 00:26:51,480 --> 00:26:53,399 Speaker 2: kindergarten teacher, I was like, of course they are. Like 595 00:26:53,480 --> 00:26:56,080 Speaker 2: I can't think of two better people to become parents. 596 00:26:56,760 --> 00:27:00,720 Speaker 2: And the fact that the obstacles are literally working against 597 00:27:00,760 --> 00:27:04,000 Speaker 2: you or breaks my heart because I'm like, this baby 598 00:27:04,040 --> 00:27:07,600 Speaker 2: would be so loved and so well looked after. And 599 00:27:07,640 --> 00:27:10,320 Speaker 2: I mean Grandpa carries cash in his pocket, Like that's 600 00:27:10,320 --> 00:27:11,920 Speaker 2: a good family to like come into. 601 00:27:12,080 --> 00:27:15,760 Speaker 4: You know. We are so lucky though, Like between us, 602 00:27:15,760 --> 00:27:18,919 Speaker 4: we've got eight nieces and nephews, so we've got so 603 00:27:19,040 --> 00:27:23,000 Speaker 4: many children around us. We're teachers, I work in sport 604 00:27:23,040 --> 00:27:26,199 Speaker 4: as well casually, like we have kids, we have that 605 00:27:26,359 --> 00:27:28,159 Speaker 4: the relationship. We just don't have our own, but we 606 00:27:28,240 --> 00:27:31,160 Speaker 4: are so lucky, like our nieces and nephews range from 607 00:27:31,240 --> 00:27:34,639 Speaker 4: nine to the last one's due in July, so like 608 00:27:34,720 --> 00:27:37,960 Speaker 4: we've got a good spectrum. We've got kids everywhere. 609 00:27:38,119 --> 00:27:40,280 Speaker 2: Oh I love that, and I love your take on it. 610 00:27:40,320 --> 00:27:42,880 Speaker 2: You just seem so grateful for the situation you're in, 611 00:27:43,040 --> 00:27:45,600 Speaker 2: even though it's not one hundred percent what you're like, Oh, 612 00:27:45,600 --> 00:27:48,119 Speaker 2: we love this outcome, but like we're just really happy 613 00:27:48,119 --> 00:27:50,119 Speaker 2: where we are, And I think that's such a lesson 614 00:27:50,280 --> 00:27:53,320 Speaker 2: in like if you're not happy with what you already have, 615 00:27:53,440 --> 00:27:56,480 Speaker 2: more is not going to make it better. Like I just, oh, 616 00:27:56,560 --> 00:27:58,160 Speaker 2: I adore it. Let's go to a really quick break 617 00:27:58,200 --> 00:27:59,600 Speaker 2: because on the flip side, I want to talk more 618 00:27:59,600 --> 00:28:02,199 Speaker 2: about man and learn a little bit more about you know, 619 00:28:02,240 --> 00:28:05,120 Speaker 2: your debt like Carloan and what your mortgage is currently 620 00:28:05,160 --> 00:28:07,359 Speaker 2: looking like and getting a little bit more pervy, so guys, 621 00:28:07,480 --> 00:28:14,199 Speaker 2: don't go anywhere money Diarist. We are back, and this 622 00:28:14,320 --> 00:28:16,920 Speaker 2: has been an eye opening and beautiful chat. Like I 623 00:28:16,920 --> 00:28:18,280 Speaker 2: feel like you and I are on the same page 624 00:28:18,280 --> 00:28:21,160 Speaker 2: and need to be best friends. Though, But before we 625 00:28:21,240 --> 00:28:24,840 Speaker 2: you know, organize our coffee catchup. Talk to me about investing. 626 00:28:25,040 --> 00:28:27,040 Speaker 2: Is that something that you and your partner do. Is 627 00:28:27,080 --> 00:28:30,359 Speaker 2: it something that you're like one day, don't hide, he's 628 00:28:30,440 --> 00:28:32,680 Speaker 2: pulling his he's pulling his shirt over his face. 629 00:28:33,760 --> 00:28:36,040 Speaker 4: Yeah. Look, so I think, as it's said in the 630 00:28:36,119 --> 00:28:38,680 Speaker 4: Money story, with just got our mortgage. We've been living 631 00:28:38,680 --> 00:28:41,320 Speaker 4: in our house for two months. We are adjusting to 632 00:28:41,480 --> 00:28:42,560 Speaker 4: hanging a mortgage that. 633 00:28:42,640 --> 00:28:45,440 Speaker 2: Is elite and do you know what, we can't do 634 00:28:45,920 --> 00:28:48,280 Speaker 2: everything like, we just can't. 635 00:28:48,520 --> 00:28:51,240 Speaker 4: No, So it's not the time. I have been starting 636 00:28:51,240 --> 00:28:53,760 Speaker 4: to do research. I have thought about getting like the 637 00:28:53,800 --> 00:28:55,840 Speaker 4: shares He's Apple, the Raise app and stuff like that, 638 00:28:55,920 --> 00:28:59,200 Speaker 4: and I am developing my understanding of it. It's just 639 00:28:59,320 --> 00:29:01,920 Speaker 4: right now, especially with renovations, it's. 640 00:29:01,800 --> 00:29:05,480 Speaker 2: Not your time. And that is so fine. My favorite 641 00:29:05,480 --> 00:29:07,920 Speaker 2: thing about this whole conversation is that you're like, no, no, no, 642 00:29:07,960 --> 00:29:10,560 Speaker 2: But I'm educating myself, like I'm doing a little bit 643 00:29:10,600 --> 00:29:12,480 Speaker 2: of research. I'm working out where I should be going 644 00:29:12,520 --> 00:29:14,280 Speaker 2: and what I should be doing in the future. And 645 00:29:14,320 --> 00:29:17,680 Speaker 2: I think that there's just this I don't know, dumb 646 00:29:17,760 --> 00:29:20,800 Speaker 2: amount of pressure to do everything, like you should be investing, 647 00:29:20,800 --> 00:29:22,480 Speaker 2: you should be saving you should also buy a house 648 00:29:22,560 --> 00:29:24,520 Speaker 2: or so don't worry, you do need to travel, and 649 00:29:24,520 --> 00:29:26,880 Speaker 2: also can you afford a really big wedding, Like it's 650 00:29:27,000 --> 00:29:30,760 Speaker 2: actually astronomical to think about what that would cost. To 651 00:29:30,840 --> 00:29:34,400 Speaker 2: then also throw into the mix your life values, like 652 00:29:34,640 --> 00:29:36,520 Speaker 2: I want a kid and to get there that's going 653 00:29:36,560 --> 00:29:39,040 Speaker 2: to cost one hundred and twenty thousand dollars. Like all 654 00:29:39,080 --> 00:29:43,160 Speaker 2: of those things mean that it makes sense you're not investing. 655 00:29:43,520 --> 00:29:45,680 Speaker 2: In fact, if you were like yeah, like I'm aggressively 656 00:29:45,720 --> 00:29:49,040 Speaker 2: investing and like just absolutely railroading every other goal that 657 00:29:49,080 --> 00:29:51,920 Speaker 2: I have because like, you know what whatever, I'd be like, sir, 658 00:29:52,080 --> 00:29:52,600 Speaker 2: what you do? 659 00:29:52,760 --> 00:29:53,360 Speaker 4: Please pause? 660 00:29:53,800 --> 00:29:55,880 Speaker 2: Yeah, sit down, sit down. 661 00:29:56,000 --> 00:29:59,400 Speaker 4: I mean, like we are lucky. Like my stuper is 662 00:29:59,440 --> 00:30:02,080 Speaker 4: eleven best on top of my salary, so there is that, 663 00:30:02,440 --> 00:30:06,880 Speaker 4: like there is super growing healthily. I will occasionally drop 664 00:30:06,920 --> 00:30:08,240 Speaker 4: some extra money into my super. 665 00:30:08,480 --> 00:30:12,080 Speaker 2: Oh okay, so you are thinking about investing. Do you 666 00:30:12,080 --> 00:30:13,880 Speaker 2: know how many people don't do that? I would say 667 00:30:13,920 --> 00:30:16,760 Speaker 2: like ninety nine percent of people aren't dropping a little 668 00:30:16,800 --> 00:30:19,080 Speaker 2: bit of extra into their super when they think about it. 669 00:30:19,200 --> 00:30:21,320 Speaker 4: Yeah, it's just like not regular, Like I wouldn't say. 670 00:30:21,160 --> 00:30:24,000 Speaker 2: Like okay, all right, well it's not regular. It doesn't 671 00:30:24,040 --> 00:30:28,560 Speaker 2: count like be for real, like you're still prioritizing it. 672 00:30:28,800 --> 00:30:31,360 Speaker 4: Yeah, it's yeah, it's just like it's the start of 673 00:30:31,400 --> 00:30:33,480 Speaker 4: the journey. I'm understanding it and things like that. It's 674 00:30:33,520 --> 00:30:35,560 Speaker 4: just not the right time to start properly. 675 00:30:35,720 --> 00:30:38,680 Speaker 2: So tell me about debt, because that is something that 676 00:30:39,200 --> 00:30:43,600 Speaker 2: you've recently come into more significantly, you said before used 677 00:30:43,640 --> 00:30:45,680 Speaker 2: to have a car loan. Tell me about that. How 678 00:30:45,680 --> 00:30:47,920 Speaker 2: did you get into a car loan at such a 679 00:30:47,960 --> 00:30:48,480 Speaker 2: young age? 680 00:30:48,520 --> 00:30:50,920 Speaker 4: Well, so I was going to buy a house. I 681 00:30:50,960 --> 00:30:54,120 Speaker 4: was making good money, I was single, I was renting 682 00:30:54,160 --> 00:30:56,720 Speaker 4: and the thing was affordable, and I was driving a 683 00:30:56,760 --> 00:31:01,000 Speaker 4: two thousand and five Yaris and I was like, nah, 684 00:31:01,120 --> 00:31:04,560 Speaker 4: like stuff is like I work really hard. I really do. 685 00:31:04,720 --> 00:31:07,280 Speaker 2: Also, no shade to a Yarras, Like what a reliable 686 00:31:07,320 --> 00:31:07,760 Speaker 2: little car. 687 00:31:08,000 --> 00:31:10,000 Speaker 4: Oh I miss it so much. 688 00:31:09,880 --> 00:31:11,360 Speaker 2: It would have been cheap to run through. 689 00:31:11,720 --> 00:31:14,320 Speaker 4: Yeah literally, Okay, anyone listening, do not get a brand 690 00:31:14,360 --> 00:31:15,360 Speaker 4: new car. No point. 691 00:31:16,160 --> 00:31:18,720 Speaker 2: And also if you've got a Yarras, treasure hur. 692 00:31:18,840 --> 00:31:21,440 Speaker 4: Treasure hurt. My dad currently has the Arress, so he's 693 00:31:21,480 --> 00:31:24,880 Speaker 4: run about car. It's still kicking. H Yeah. So when 694 00:31:24,880 --> 00:31:27,600 Speaker 4: he has to travel, like you know, an hour to 695 00:31:27,680 --> 00:31:29,360 Speaker 4: the job site. He doesn't want to take the big truck, 696 00:31:29,480 --> 00:31:30,560 Speaker 4: He'll just take the arrass. 697 00:31:30,640 --> 00:31:33,280 Speaker 2: Yeah, because it's cheap and effective and a comfortable car to. 698 00:31:33,320 --> 00:31:36,400 Speaker 4: City and it can be parked anywhere. Yep. 699 00:31:36,600 --> 00:31:38,120 Speaker 2: Literally, it fits in a corner. 700 00:31:38,360 --> 00:31:41,840 Speaker 4: Literally. So then I bought my car. I paid about 701 00:31:41,880 --> 00:31:43,720 Speaker 4: four grand of it, and then I got finance for 702 00:31:43,720 --> 00:31:46,920 Speaker 4: about twenty five and then I also had student loans. 703 00:31:46,960 --> 00:31:49,160 Speaker 2: You have to tell us what did you get, Like yeah, yeah, 704 00:31:49,200 --> 00:31:51,560 Speaker 2: but like what car did we upgrade to? Like what 705 00:31:51,640 --> 00:31:53,000 Speaker 2: was going to make you look hot while you were 706 00:31:53,080 --> 00:31:54,000 Speaker 2: single getting around? 707 00:31:54,120 --> 00:31:56,160 Speaker 4: I got like a white SUV, like a mom car, 708 00:31:56,200 --> 00:31:56,920 Speaker 4: but like I'm a. 709 00:31:56,960 --> 00:32:00,200 Speaker 2: Mom's oh yeah yeah yeah, And I'm just feeling like 710 00:32:00,240 --> 00:32:02,560 Speaker 2: I had like I don't know, white suv vibes, but 711 00:32:02,600 --> 00:32:04,719 Speaker 2: then it had like bigger rims or something on it. 712 00:32:04,800 --> 00:32:05,960 Speaker 2: I'm just feeling that I. 713 00:32:05,880 --> 00:32:07,640 Speaker 4: Did get the fancy aloys, but I got the pearl 714 00:32:07,640 --> 00:32:08,360 Speaker 4: finish paint. 715 00:32:08,720 --> 00:32:11,320 Speaker 2: Yeah yeah, yeah, okay, yeah yeah yeah hote we. 716 00:32:11,320 --> 00:32:13,600 Speaker 4: Hit up that and then I met my partner. I 717 00:32:13,600 --> 00:32:15,800 Speaker 4: bought it just out of COVID, So it took me 718 00:32:15,840 --> 00:32:16,920 Speaker 4: forever to get my car. 719 00:32:17,080 --> 00:32:19,040 Speaker 2: Oh, and it would have cost you a bomb if 720 00:32:19,120 --> 00:32:21,640 Speaker 2: you'd got it just out of COVID as well. But 721 00:32:21,720 --> 00:32:23,000 Speaker 2: that's okay. We live and we learn. 722 00:32:23,120 --> 00:32:25,600 Speaker 4: That's the tea we live and we learn. So then, yeah, 723 00:32:25,600 --> 00:32:27,640 Speaker 4: so I was paying off my car loan, which was 724 00:32:27,680 --> 00:32:30,840 Speaker 4: back then it was about five six hundred a month, 725 00:32:31,600 --> 00:32:35,760 Speaker 4: and then last gr we moved in with my in 726 00:32:35,840 --> 00:32:38,280 Speaker 4: laws to be which were very privileged to have that 727 00:32:38,440 --> 00:32:42,719 Speaker 4: opportunity to say, for a house. And then when we 728 00:32:42,960 --> 00:32:45,480 Speaker 4: saw our first mortgage broker, he said, this is your 729 00:32:45,480 --> 00:32:49,280 Speaker 4: borrowing amount, but the car loan is restricting you about 730 00:32:49,280 --> 00:32:51,240 Speaker 4: seventy thousand dollars or eighty thousand dollars. 731 00:32:51,320 --> 00:32:53,480 Speaker 2: Isn't it wild how much it restricts? You don't think 732 00:32:53,480 --> 00:32:55,240 Speaker 2: it is because you were like, okay, cool, Like the 733 00:32:55,280 --> 00:32:57,760 Speaker 2: car didn't cost me seventy thousand dollars, like, and I 734 00:32:57,760 --> 00:32:59,760 Speaker 2: don't have that much left on my loan, Like it 735 00:33:00,000 --> 00:33:02,160 Speaker 2: didn't be that big of a deal. But how much 736 00:33:02,280 --> 00:33:04,120 Speaker 2: was left on your car loan When he told you 737 00:33:04,160 --> 00:33:06,160 Speaker 2: that it would restrict you by seventy grand. 738 00:33:05,920 --> 00:33:07,920 Speaker 4: I'm going to say eighteen very common. 739 00:33:07,920 --> 00:33:09,280 Speaker 2: I thought you'd say around twenty. 740 00:33:09,520 --> 00:33:12,120 Speaker 4: Yeah. And then okay, on top of that, we both 741 00:33:12,120 --> 00:33:15,840 Speaker 4: have student loans, which is taking into account, which is 742 00:33:16,040 --> 00:33:19,960 Speaker 4: just wild. So we had the three debts that were 743 00:33:19,960 --> 00:33:24,280 Speaker 4: impacting our burrown capacity. So our broker said, like, obviously 744 00:33:24,320 --> 00:33:27,400 Speaker 4: speak to other people about this, but I would clear 745 00:33:27,560 --> 00:33:30,000 Speaker 4: one of the debts if you can, because it wouldn't 746 00:33:30,040 --> 00:33:31,520 Speaker 4: affect you deposit too much. 747 00:33:31,720 --> 00:33:34,040 Speaker 2: Yeah, because we can tweak what bank you go with 748 00:33:34,120 --> 00:33:37,920 Speaker 2: and how much deposit you have, Like we could probably organize, like, 749 00:33:38,160 --> 00:33:40,200 Speaker 2: you know, a ten percent deposit instead of a twenty 750 00:33:40,200 --> 00:33:42,840 Speaker 2: percent deposit that's much higher. Like there are so many 751 00:33:42,960 --> 00:33:45,840 Speaker 2: like levers a mortgage broker can pull and change that. 752 00:33:46,040 --> 00:33:47,960 Speaker 2: Once you start talking to them, you're like, I didn't 753 00:33:47,960 --> 00:33:49,720 Speaker 2: even know that was possible. That's a money win. 754 00:33:50,160 --> 00:33:54,080 Speaker 4: Yeah, So we decided to take a chunking out of 755 00:33:54,080 --> 00:33:56,400 Speaker 4: a deposit and pay off the car loan because that 756 00:33:56,600 --> 00:33:59,480 Speaker 4: yielded the highest interest, and then the student loans are. 757 00:33:59,320 --> 00:34:00,920 Speaker 2: Just sitting they're doing their seme. 758 00:34:01,080 --> 00:34:03,120 Speaker 4: So yeah, we cleared that before we got the house. 759 00:34:03,600 --> 00:34:06,000 Speaker 4: So now yeah, now we've just got the student loans 760 00:34:06,000 --> 00:34:06,600 Speaker 4: and the mortgage. 761 00:34:06,680 --> 00:34:09,359 Speaker 2: Oh how good. So tell me about this mortgage. That's 762 00:34:09,480 --> 00:34:11,520 Speaker 2: so exciting that the two of you have gotten into 763 00:34:11,520 --> 00:34:14,960 Speaker 2: your first home. How much did you buy for and 764 00:34:15,000 --> 00:34:16,320 Speaker 2: how much is your mortgage. 765 00:34:16,360 --> 00:34:19,400 Speaker 4: We bought for six hundred and fifteen and we got 766 00:34:19,560 --> 00:34:22,520 Speaker 4: very very lucky because it needs a fair bitttle work. 767 00:34:22,719 --> 00:34:24,759 Speaker 4: But I have a family of tradees around me, so 768 00:34:25,080 --> 00:34:28,439 Speaker 4: we were able to buy fel a lot less than 769 00:34:28,520 --> 00:34:30,400 Speaker 4: what they wanted and we lowboard them. 770 00:34:30,239 --> 00:34:31,800 Speaker 2: And one winner. 771 00:34:32,120 --> 00:34:34,680 Speaker 4: Yeah, and our mortgage is currently sitting at so we've 772 00:34:34,719 --> 00:34:36,959 Speaker 4: had it for two months. It's currently sitting about five 773 00:34:37,080 --> 00:34:37,600 Speaker 4: twenty five. 774 00:34:37,800 --> 00:34:40,960 Speaker 2: Oh okay, how good's that? So what type of deposit 775 00:34:41,040 --> 00:34:44,200 Speaker 2: did you guys end up putting down and then working around? 776 00:34:44,200 --> 00:34:45,640 Speaker 2: Because it sounds this is where. 777 00:34:45,440 --> 00:34:48,040 Speaker 4: Things got a little bit hectic last year. 778 00:34:48,160 --> 00:34:50,520 Speaker 2: I'm like, you've paid off a fair bit like that's 779 00:34:50,640 --> 00:34:51,760 Speaker 2: that's looking sexy. 780 00:34:52,080 --> 00:34:54,680 Speaker 4: So we had there was a policy change with the 781 00:34:54,719 --> 00:34:57,600 Speaker 4: bank we're going to go with. So initially my broker 782 00:34:57,719 --> 00:35:00,719 Speaker 4: had this great idea to debt console they get some 783 00:35:00,760 --> 00:35:04,440 Speaker 4: money aside for the renovations. YadA, YadA, YadA. So then, 784 00:35:04,520 --> 00:35:06,160 Speaker 4: thank you, we were going to go with. They had 785 00:35:06,200 --> 00:35:09,319 Speaker 4: a policy change that meant we were assessed against five 786 00:35:09,320 --> 00:35:12,040 Speaker 4: percent of an increase of you know how I do 787 00:35:12,120 --> 00:35:15,120 Speaker 4: like the interest increase. We were assessed against five percent. 788 00:35:15,239 --> 00:35:17,719 Speaker 4: So that happened. We had paid our holding deposit. We 789 00:35:17,760 --> 00:35:20,640 Speaker 4: hadn't paid our full deposit on the house, and our 790 00:35:20,640 --> 00:35:22,640 Speaker 4: broker called us and said, it's not going to happen. 791 00:35:22,920 --> 00:35:23,680 Speaker 4: You're in trouble. 792 00:35:23,760 --> 00:35:26,520 Speaker 2: So the bank changed happened, and you needed to like 793 00:35:26,640 --> 00:35:29,359 Speaker 2: shuffle pretty quickly. Told me how stressful that was. 794 00:35:29,520 --> 00:35:32,600 Speaker 4: It was awful. I'm not a crier. I cried a lot. 795 00:35:34,080 --> 00:35:36,600 Speaker 4: We didn't sleep. We're going to lose our house. And 796 00:35:36,640 --> 00:35:38,279 Speaker 4: of course, like we bought our first home, we were 797 00:35:38,320 --> 00:35:40,839 Speaker 4: so excited. We told everyone we you know. 798 00:35:41,080 --> 00:35:44,359 Speaker 2: Like one hundred percent and like, obviously we won't get 799 00:35:44,400 --> 00:35:46,919 Speaker 2: too far into it to throw another broker into the bus. 800 00:35:46,960 --> 00:35:50,000 Speaker 2: But like, from my perspective, as somebody who owns Zella Money, 801 00:35:50,040 --> 00:35:52,960 Speaker 2: which is a mortgage broking business, like that would never 802 00:35:53,000 --> 00:35:55,880 Speaker 2: have been acceptable, Like and it breaks my heart that 803 00:35:55,920 --> 00:35:59,160 Speaker 2: you went through that situation. And like again, it's one 804 00:35:59,200 --> 00:36:01,440 Speaker 2: of those situations where you don't know what you don't know. 805 00:36:01,680 --> 00:36:04,280 Speaker 2: And I'm assuming at that time you would have trusted 806 00:36:04,320 --> 00:36:06,880 Speaker 2: that person giving you that advice. If they said, oh, 807 00:36:06,920 --> 00:36:10,480 Speaker 2: I'm so sorry that the bank changed their policy, you 808 00:36:10,480 --> 00:36:12,200 Speaker 2: would have been like, oh, well, I guess that's what 809 00:36:12,280 --> 00:36:15,759 Speaker 2: it is. Whereas a really good broker would be going 810 00:36:15,800 --> 00:36:18,520 Speaker 2: into that and saying, no, we applied, we did this, 811 00:36:18,640 --> 00:36:21,400 Speaker 2: You're actually going to financially impact our client. You have 812 00:36:21,480 --> 00:36:24,760 Speaker 2: to honor your previous policy, and like, my heart breaks, 813 00:36:24,800 --> 00:36:26,080 Speaker 2: I'm so sorry you went through that. 814 00:36:26,160 --> 00:36:27,279 Speaker 4: It all worked out in the wash. 815 00:36:27,560 --> 00:36:31,319 Speaker 2: I know it's not ideal, not ideal, but it worked out. 816 00:36:31,440 --> 00:36:34,000 Speaker 4: We had to beg borrow steal and we had a 817 00:36:34,040 --> 00:36:37,280 Speaker 4: family member come in and provide us with a side loan, 818 00:36:37,640 --> 00:36:40,840 Speaker 4: not a gift of money. And again, so privileged that 819 00:36:40,880 --> 00:36:42,880 Speaker 4: we have that at our disposal. 820 00:36:42,520 --> 00:36:45,360 Speaker 2: But that's another financial stress. And I'm assuming you guys 821 00:36:45,400 --> 00:36:47,200 Speaker 2: went into this, we're going to buy our own home, 822 00:36:47,239 --> 00:36:48,759 Speaker 2: We're going to stand on our own two feet. And 823 00:36:48,800 --> 00:36:51,360 Speaker 2: then it kind of like gets swept up from underneath 824 00:36:51,400 --> 00:36:52,960 Speaker 2: you because you're like, oh, now I have to go 825 00:36:53,000 --> 00:36:54,919 Speaker 2: and talk to this family member. And yeah, you're right, 826 00:36:54,960 --> 00:36:57,839 Speaker 2: we're so grateful that we have this opportunity. But that's 827 00:36:57,840 --> 00:36:59,839 Speaker 2: not how this should have felt. That's not how this 828 00:37:00,040 --> 00:37:02,880 Speaker 2: should have gone because I'm assuming if i'd tut you 829 00:37:02,920 --> 00:37:05,680 Speaker 2: and your partner down and said, hey, we can get 830 00:37:05,719 --> 00:37:07,160 Speaker 2: you into a property, all you'd have to do is 831 00:37:07,200 --> 00:37:09,359 Speaker 2: borrow this amount of money from a family member. You'd 832 00:37:09,360 --> 00:37:11,600 Speaker 2: be like, oh, no, thank you, like we'll actually just 833 00:37:11,640 --> 00:37:13,600 Speaker 2: save for a little bit longer, like we want to 834 00:37:13,600 --> 00:37:15,960 Speaker 2: do it on our own, Like that's not what should 835 00:37:15,960 --> 00:37:16,440 Speaker 2: have happened. 836 00:37:16,680 --> 00:37:19,640 Speaker 4: So yeah, without deposit and then that extra cash injection 837 00:37:19,719 --> 00:37:22,279 Speaker 4: for family member, we you know, as I said, we've 838 00:37:22,320 --> 00:37:24,120 Speaker 4: got like five twenty five issue. 839 00:37:23,840 --> 00:37:26,319 Speaker 2: You got there? Oh good, Well, I'm glad that it's 840 00:37:26,360 --> 00:37:29,520 Speaker 2: not super stressful, and like I will be swooping in 841 00:37:29,560 --> 00:37:32,040 Speaker 2: and hopefully getting you a REFI that gets you the 842 00:37:32,080 --> 00:37:35,720 Speaker 2: renovations of your dreams. But tell me a little bit more. 843 00:37:35,960 --> 00:37:38,560 Speaker 2: I feel like you've had this whole like glow up, 844 00:37:39,080 --> 00:37:42,040 Speaker 2: Like you've gone from being what you said, I wouldn't 845 00:37:42,040 --> 00:37:44,120 Speaker 2: call you this, but you called yourself a hot mess, 846 00:37:44,640 --> 00:37:47,239 Speaker 2: and now I feel like you're just hot shit. Like 847 00:37:47,520 --> 00:37:50,360 Speaker 2: those two things are very different, and like, you know, 848 00:37:50,600 --> 00:37:53,040 Speaker 2: I'm only meeting you today, so I've never met you before, 849 00:37:53,040 --> 00:37:55,759 Speaker 2: but you have this like glowy energy of confidence and 850 00:37:55,800 --> 00:37:58,280 Speaker 2: like you're just so happy with where you're at with life. 851 00:37:58,320 --> 00:38:00,640 Speaker 2: But then you know, you've shared a lot the podcast 852 00:38:00,640 --> 00:38:03,000 Speaker 2: today about like oh I wasn't always that way, Like 853 00:38:03,360 --> 00:38:05,160 Speaker 2: you know, I grew up feeling a little bit lost 854 00:38:05,200 --> 00:38:07,319 Speaker 2: a little bit, you know, flat and had some mental 855 00:38:07,360 --> 00:38:09,799 Speaker 2: health issues. Like I feel like you've come through that 856 00:38:09,920 --> 00:38:11,680 Speaker 2: and now you're out the other side and like you're 857 00:38:11,680 --> 00:38:14,399 Speaker 2: living your best life, but you would have learnt a lot. 858 00:38:14,680 --> 00:38:17,640 Speaker 2: So tell me what you think your best money habit is. 859 00:38:17,880 --> 00:38:20,840 Speaker 4: I can't split between the two. Girl, I'm thrifty. 860 00:38:21,120 --> 00:38:22,840 Speaker 2: Oh, tell how are we thrifty? 861 00:38:22,880 --> 00:38:27,600 Speaker 4: Though discount codes, clearance bins, sales. I will call the 862 00:38:27,640 --> 00:38:30,000 Speaker 4: business and say I can get it five percent cheaper. 863 00:38:30,239 --> 00:38:32,640 Speaker 4: Do you want my business on? I will ask for 864 00:38:32,680 --> 00:38:33,240 Speaker 4: the discount. 865 00:38:33,320 --> 00:38:35,719 Speaker 2: But if you don't ask, you don't get correct, Like. 866 00:38:35,960 --> 00:38:39,120 Speaker 4: You know, how's your food going? Oh? Actually we did 867 00:38:39,160 --> 00:38:41,600 Speaker 4: all of these. I will speak for my money and 868 00:38:41,640 --> 00:38:42,880 Speaker 4: I will make my money work. 869 00:38:42,920 --> 00:38:47,239 Speaker 2: I love that, and I think that sometimes when we say, oh, 870 00:38:47,280 --> 00:38:49,560 Speaker 2: we're really thrifty, and you know, we will do clearance 871 00:38:49,560 --> 00:38:52,040 Speaker 2: bins and up shops and like, you know, make all 872 00:38:52,080 --> 00:38:54,520 Speaker 2: this work, people then think that you don't spend money 873 00:38:54,600 --> 00:38:57,080 Speaker 2: in the rest of your life. Tell me a bit 874 00:38:57,080 --> 00:38:59,879 Speaker 2: about the balance that you have, like are you still 875 00:39:00,040 --> 00:39:03,400 Speaker 2: spending on the things that you love or like, absolutely. 876 00:39:02,840 --> 00:39:05,760 Speaker 4: We don't go without ever, but if I can save 877 00:39:05,840 --> 00:39:08,920 Speaker 4: money on there, and it's in my budget, which that's 878 00:39:08,960 --> 00:39:10,400 Speaker 4: the other money have it it is, I've got to 879 00:39:10,440 --> 00:39:14,120 Speaker 4: kill a budget spreadsheet. So if it fits in a 880 00:39:14,160 --> 00:39:16,680 Speaker 4: budget and I can save money on it, I'll save 881 00:39:16,719 --> 00:39:17,160 Speaker 4: money on it. 882 00:39:17,200 --> 00:39:21,120 Speaker 2: Absolutely. I love that. Tell me about this budget spreadsheet, though, like, 883 00:39:21,239 --> 00:39:22,280 Speaker 2: how does that work? 884 00:39:22,480 --> 00:39:22,600 Speaker 4: Like? 885 00:39:22,640 --> 00:39:24,880 Speaker 2: How did you pull it together? Is your partner privy 886 00:39:24,880 --> 00:39:25,120 Speaker 2: to this? 887 00:39:25,480 --> 00:39:27,840 Speaker 4: Okay, so you can't judge me. We listen that, we 888 00:39:27,840 --> 00:39:28,360 Speaker 4: don't judge. 889 00:39:28,440 --> 00:39:30,680 Speaker 2: Why would I judge you? We listen and we don't 890 00:39:30,760 --> 00:39:31,839 Speaker 2: judge your correct. 891 00:39:31,560 --> 00:39:33,560 Speaker 4: When I first started listening to sheets on the money, 892 00:39:33,880 --> 00:39:37,000 Speaker 4: you were talking about your budget spreadsheet and I was like, 893 00:39:37,280 --> 00:39:39,239 Speaker 4: I'm not going to pay for that. I'm pretty good 894 00:39:39,239 --> 00:39:40,799 Speaker 4: on EXL I can make that. 895 00:39:40,880 --> 00:39:42,640 Speaker 2: Yeah, you're going to do it yourself. I love that. 896 00:39:42,760 --> 00:39:44,200 Speaker 2: So you made your own fantastic. 897 00:39:44,400 --> 00:39:48,080 Speaker 4: My partner likes the colors, but he's not a finance guy. 898 00:39:49,120 --> 00:39:51,640 Speaker 2: So I love this. Did you make it pink as well? 899 00:39:51,680 --> 00:39:54,000 Speaker 2: Like is it peachy vibes? Or you just made your own? 900 00:39:54,600 --> 00:39:57,759 Speaker 4: Full made my own and like, so my income is 901 00:39:57,800 --> 00:40:01,360 Speaker 4: like a lilac purple color. His income is a soft pink. 902 00:40:01,760 --> 00:40:04,960 Speaker 4: Our mortgage repayment bar that's like red, like a red 903 00:40:05,000 --> 00:40:07,560 Speaker 4: color was like that, like, so, yeah, it's fine. 904 00:40:07,680 --> 00:40:10,439 Speaker 2: I adore this so much, and like I'm not even 905 00:40:10,480 --> 00:40:12,440 Speaker 2: mad that you just made your own Like I actually 906 00:40:12,520 --> 00:40:15,120 Speaker 2: want that, because like my entire goal is to just 907 00:40:15,160 --> 00:40:17,960 Speaker 2: get people caring more about their money. And if somehow 908 00:40:18,000 --> 00:40:19,640 Speaker 2: you were like, do you know what I'm gonna do, 909 00:40:19,680 --> 00:40:21,760 Speaker 2: I'm going to save money by not giving it to Victoria, 910 00:40:21,800 --> 00:40:24,680 Speaker 2: I'm going to make my own girlfriend. That was the point. 911 00:40:25,120 --> 00:40:28,880 Speaker 2: Like I got you saving, I got you budgeting, Like haha, 912 00:40:29,239 --> 00:40:30,040 Speaker 2: I still win. 913 00:40:30,480 --> 00:40:32,560 Speaker 4: I still win. But like so I've given it to 914 00:40:32,680 --> 00:40:34,960 Speaker 4: like my brother in law, my sisters, my sister in 915 00:40:35,040 --> 00:40:37,160 Speaker 4: law like and taught them how to use it and 916 00:40:37,160 --> 00:40:39,000 Speaker 4: like taught them how to make it feed properly. And 917 00:40:39,200 --> 00:40:39,520 Speaker 4: I am. 918 00:40:39,520 --> 00:40:41,440 Speaker 2: Obsessed with you. Do you know what I'm going to do. 919 00:40:41,680 --> 00:40:44,480 Speaker 2: I'm actually going to gift you my money master class 920 00:40:51,480 --> 00:40:54,160 Speaker 2: in addition to the budget spreadsheet, which, by the way, 921 00:40:54,200 --> 00:40:55,759 Speaker 2: I think is pretty good, but it sounds like you 922 00:40:55,800 --> 00:40:57,520 Speaker 2: maybe have done a better job than me, so maybe 923 00:40:57,560 --> 00:41:00,920 Speaker 2: don't look at it too deeply. There's like a heap 924 00:41:01,080 --> 00:41:05,279 Speaker 2: of videos and content and a mortgage repayment calculator though 925 00:41:05,280 --> 00:41:06,960 Speaker 2: you think you might like in there, so like you 926 00:41:07,000 --> 00:41:08,440 Speaker 2: can have your cake and eat it too. Baby you 927 00:41:08,520 --> 00:41:09,120 Speaker 2: got both married. 928 00:41:09,160 --> 00:41:10,359 Speaker 4: I love that, Thank you so mu much. 929 00:41:10,600 --> 00:41:12,879 Speaker 2: No, don't be silly. I love that you've been giving 930 00:41:12,880 --> 00:41:14,960 Speaker 2: your budget spreadsheet to all your friends and family and 931 00:41:15,000 --> 00:41:17,680 Speaker 2: you're like, use this. Do this. Like if I go 932 00:41:17,760 --> 00:41:21,239 Speaker 2: back maybe five years and said to baby you or 933 00:41:21,320 --> 00:41:24,000 Speaker 2: like younger you, hey, you'd be sitting your friends and 934 00:41:24,000 --> 00:41:25,839 Speaker 2: family down and doing their budget. So I'm like, you'd 935 00:41:25,840 --> 00:41:29,080 Speaker 2: be like color coordinating it, like would you believe you? 936 00:41:29,560 --> 00:41:30,200 Speaker 4: Not even close? 937 00:41:30,560 --> 00:41:33,160 Speaker 2: I love it so much, it makes me so happy. 938 00:41:33,360 --> 00:41:36,319 Speaker 4: So like every year, no matter what yr level you teach, 939 00:41:36,360 --> 00:41:39,440 Speaker 4: you will teach a money unit. And since listening to 940 00:41:39,480 --> 00:41:41,880 Speaker 4: Shoes on the money, I don't set homework side, but 941 00:41:41,880 --> 00:41:42,720 Speaker 4: I don't set homework. 942 00:41:42,760 --> 00:41:44,000 Speaker 2: You're the teacher of my dreams. 943 00:41:44,200 --> 00:41:46,640 Speaker 4: Yeah, but I've set homework for my kids. When we 944 00:41:46,680 --> 00:41:48,799 Speaker 4: start our money unit, to go home and ask mum 945 00:41:48,840 --> 00:41:50,319 Speaker 4: and dad how much do you earn? And how much 946 00:41:50,360 --> 00:41:51,359 Speaker 4: is our mortgage or rent? 947 00:41:51,520 --> 00:41:51,680 Speaker 1: Oh? 948 00:41:51,680 --> 00:41:53,319 Speaker 2: Wow, how does that go down? 949 00:41:53,600 --> 00:41:57,799 Speaker 4: Interesting? Really interesting? So I normally teach senior school, so 950 00:41:57,880 --> 00:42:01,920 Speaker 4: grade five six, it's faster and some fabulous conversations and 951 00:42:02,000 --> 00:42:05,040 Speaker 4: fabulous learnings, but it's also like kids come back and 952 00:42:05,040 --> 00:42:07,319 Speaker 4: they say, oh, Mum, talk me. We don't talk about that. 953 00:42:07,840 --> 00:42:09,960 Speaker 4: Dad said, don't worry about it. And I was like, 954 00:42:10,040 --> 00:42:12,120 Speaker 4: I need you to ask again, And I've called parents 955 00:42:12,360 --> 00:42:14,799 Speaker 4: and I've said it is part of the curriculum. I 956 00:42:14,880 --> 00:42:17,520 Speaker 4: need them to know how to save. I need them 957 00:42:17,520 --> 00:42:20,000 Speaker 4: to know what a mortgage is, and the best way 958 00:42:20,000 --> 00:42:21,920 Speaker 4: to know is with their own situation. 959 00:42:22,360 --> 00:42:25,560 Speaker 2: Yeah. Wow, isn't that crazy that it's just still so 960 00:42:25,760 --> 00:42:28,319 Speaker 2: diverse in terms of like, oh, we don't talk about that. 961 00:42:28,840 --> 00:42:32,440 Speaker 2: I've been pulling together because, like, I'm quite passionate about 962 00:42:32,640 --> 00:42:35,160 Speaker 2: the education system, and in the background, I do a 963 00:42:35,160 --> 00:42:37,880 Speaker 2: lot of work going out to schools and talking at schools, 964 00:42:37,920 --> 00:42:40,239 Speaker 2: mainly senior schools, So like usually I speak to like 965 00:42:40,280 --> 00:42:42,480 Speaker 2: grade nine because I feel like at that age they're 966 00:42:42,480 --> 00:42:44,400 Speaker 2: getting their first job. I really want them to know 967 00:42:44,480 --> 00:42:48,480 Speaker 2: about their superannuation and their cash flow and that you know, 968 00:42:48,520 --> 00:42:50,240 Speaker 2: you don't just get all this money into your account 969 00:42:50,239 --> 00:42:51,480 Speaker 2: and you can blow it all. I mean you can, 970 00:42:51,520 --> 00:42:54,160 Speaker 2: but I want you to know the difference between saving 971 00:42:54,280 --> 00:42:57,560 Speaker 2: for now and like long term gratification and all of that. 972 00:42:57,800 --> 00:43:00,520 Speaker 2: But one of the things I've been wreing on is 973 00:43:00,560 --> 00:43:04,239 Speaker 2: this idea for like junior school of like basically an 974 00:43:04,280 --> 00:43:07,320 Speaker 2: activity where you print out heaps and heaps of groceries 975 00:43:07,360 --> 00:43:10,640 Speaker 2: with their price lists, and they do a budgeting activity 976 00:43:10,680 --> 00:43:13,920 Speaker 2: of putting together meal plans for the whole week within 977 00:43:13,960 --> 00:43:16,400 Speaker 2: a certain budget. And I just think that would be 978 00:43:16,480 --> 00:43:17,000 Speaker 2: so fun. 979 00:43:17,080 --> 00:43:18,920 Speaker 4: I'll send you my lesson plan. I've got it. 980 00:43:19,040 --> 00:43:21,560 Speaker 2: Please do Oh no, We're going to go out for 981 00:43:21,600 --> 00:43:23,279 Speaker 2: a bunch and we'll talk about your lesson plan. Don't 982 00:43:23,320 --> 00:43:24,879 Speaker 2: send it to me. I love it, I love it. 983 00:43:25,040 --> 00:43:27,040 Speaker 2: Let's bring the mood down, though, because we're too happy 984 00:43:27,040 --> 00:43:29,000 Speaker 2: about this. What's your worst money habit? 985 00:43:29,239 --> 00:43:30,520 Speaker 4: We're spenders, we spend. 986 00:43:30,680 --> 00:43:33,359 Speaker 2: You're good, I mean, but your budgeters as well, So. 987 00:43:33,440 --> 00:43:35,920 Speaker 4: Like we will ignore the budget at times. 988 00:43:36,480 --> 00:43:39,640 Speaker 2: So we're saying that we have the budget. It's actually 989 00:43:39,719 --> 00:43:41,640 Speaker 2: just a spreadsheet that tracks our spending. 990 00:43:41,880 --> 00:43:44,200 Speaker 4: No, no, no, Like I know how much we have 991 00:43:44,280 --> 00:43:46,000 Speaker 4: to spend on groceries each week. I know how much 992 00:43:46,000 --> 00:43:48,440 Speaker 4: we have to spend all cars. Increed, but like you 993 00:43:48,480 --> 00:43:51,759 Speaker 4: know I need some more after shave. We're going to 994 00:43:51,760 --> 00:43:53,919 Speaker 4: spend less on groceries this week and buy the after shave. 995 00:43:54,040 --> 00:43:59,240 Speaker 2: That's budgeting. I mean, who airem I to judge? 996 00:43:59,440 --> 00:44:01,959 Speaker 4: Like a right, we listen, we don't judge if. 997 00:44:01,880 --> 00:44:04,279 Speaker 2: You're happy with it. And is that something that when 998 00:44:04,280 --> 00:44:06,560 Speaker 2: I say, oh, what's your worst money habit? You're like, 999 00:44:06,640 --> 00:44:08,880 Speaker 2: that's a money habit. I want a change. Or you're like, oh, 1000 00:44:08,920 --> 00:44:10,759 Speaker 2: like no, we pull from column A to give to 1001 00:44:10,800 --> 00:44:12,680 Speaker 2: Columba and we're pretty happy with it. We just go 1002 00:44:12,760 --> 00:44:14,879 Speaker 2: with the flow. Or you're like, oh no, like that's 1003 00:44:14,920 --> 00:44:17,360 Speaker 2: an active thing that we're trying to change, or like 1004 00:44:17,600 --> 00:44:18,520 Speaker 2: how does it make you feel? 1005 00:44:18,640 --> 00:44:21,480 Speaker 4: It's something we're trying to change because, as I said earlier, 1006 00:44:21,480 --> 00:44:23,920 Speaker 4: we're adjusting to the mortgage and living at home and 1007 00:44:23,960 --> 00:44:27,040 Speaker 4: paying rates, you know, like, so we're adjusting to a 1008 00:44:27,080 --> 00:44:30,480 Speaker 4: new budget, so the cash flow is a lot tighter. 1009 00:44:30,800 --> 00:44:32,879 Speaker 4: We need to change that because we need to free 1010 00:44:32,960 --> 00:44:36,680 Speaker 4: up the other end somehow. So yeah, it's been two months. 1011 00:44:36,760 --> 00:44:39,440 Speaker 2: Oh like it's so early. I would say that you 1012 00:44:39,520 --> 00:44:43,399 Speaker 2: need Like there's this money shift that happens right when 1013 00:44:43,400 --> 00:44:45,799 Speaker 2: you're saving for your first home. I feel like you're 1014 00:44:45,800 --> 00:44:48,600 Speaker 2: super aggressive and you're so happy to go without right 1015 00:44:48,760 --> 00:44:50,799 Speaker 2: because you're like, Okay, cool, I don't need the after 1016 00:44:50,880 --> 00:44:53,879 Speaker 2: chase because I'm so excited about this acquisition of a house. 1017 00:44:53,880 --> 00:44:55,640 Speaker 2: I'm going to put that extra hundred bucks into my 1018 00:44:55,680 --> 00:44:57,960 Speaker 2: savings account and I'm actually going to feel really good 1019 00:44:57,960 --> 00:45:01,000 Speaker 2: about it. But then there's the spent period, which I 1020 00:45:01,000 --> 00:45:03,480 Speaker 2: think takes a minimum of six months. Once you get 1021 00:45:03,480 --> 00:45:06,600 Speaker 2: the mortgage to go. We've achieved the goal, but I'm 1022 00:45:06,760 --> 00:45:10,319 Speaker 2: still having to sacrifice. And I actually thought this would 1023 00:45:10,360 --> 00:45:12,680 Speaker 2: feel a little bit different, Like I thought that we 1024 00:45:12,760 --> 00:45:14,920 Speaker 2: would have a bit more free cash flow. 1025 00:45:14,840 --> 00:45:15,760 Speaker 4: More reprieve. 1026 00:45:16,000 --> 00:45:18,760 Speaker 2: Yeah, and you just don't have that period of reprieve 1027 00:45:19,280 --> 00:45:22,560 Speaker 2: where it's new expectation setting. So my friend, you're two 1028 00:45:22,560 --> 00:45:24,840 Speaker 2: months in, You've got another four months to go before 1029 00:45:24,920 --> 00:45:26,759 Speaker 2: this actually feels quite comfortable. 1030 00:45:26,840 --> 00:45:30,040 Speaker 4: And like literally like we bought just before Christmas, so 1031 00:45:30,239 --> 00:45:31,919 Speaker 4: like Christmas is an expensive time. 1032 00:45:31,960 --> 00:45:34,279 Speaker 2: Oh you got absolutely thrown under the bus. 1033 00:45:34,400 --> 00:45:36,880 Speaker 4: And then like you know, all family and friends in 1034 00:45:36,920 --> 00:45:38,759 Speaker 4: our community wants to come to our house, so we 1035 00:45:38,840 --> 00:45:41,279 Speaker 4: host and we buy food, we buy drinks. So it's 1036 00:45:41,320 --> 00:45:42,760 Speaker 4: like it's just been expensive. 1037 00:45:42,920 --> 00:45:44,640 Speaker 2: She's been a Spano a few months. 1038 00:45:44,760 --> 00:45:47,440 Speaker 4: Yes, Like it's great that you want to come and 1039 00:45:47,440 --> 00:45:48,200 Speaker 4: see our house. 1040 00:45:48,000 --> 00:45:49,719 Speaker 2: But like could you bring the snacks? 1041 00:45:50,840 --> 00:45:52,919 Speaker 4: Yeah, you bring the wine, you bring the food, We'll 1042 00:45:52,920 --> 00:45:53,600 Speaker 4: bring the vibes. 1043 00:45:54,239 --> 00:45:56,080 Speaker 2: Oh my gosh. Yeah, like the vibes of the house, 1044 00:45:56,200 --> 00:45:58,319 Speaker 2: like that's it, And I feel like I'm providing enough 1045 00:45:58,760 --> 00:46:01,720 Speaker 2: money durst. I feel like I have adored this money diary, 1046 00:46:01,880 --> 00:46:03,839 Speaker 2: like it's gone for a little longer than usual, which 1047 00:46:03,880 --> 00:46:07,280 Speaker 2: is obviously a great sign. I don't know. You've shared 1048 00:46:07,440 --> 00:46:10,800 Speaker 2: so much about you, your life, your personal life, your relationship, 1049 00:46:10,880 --> 00:46:13,160 Speaker 2: how you've gotten into property, How that wasn't you know, 1050 00:46:13,239 --> 00:46:16,320 Speaker 2: the smoothest experience. How you've gone from being like quote 1051 00:46:16,320 --> 00:46:18,960 Speaker 2: you a hot mess to literally sitting in your family 1052 00:46:18,960 --> 00:46:21,319 Speaker 2: and friends down being like babes. So this is me 1053 00:46:21,360 --> 00:46:23,600 Speaker 2: and I'm lilac, and you can do this. And also 1054 00:46:23,640 --> 00:46:25,440 Speaker 2: the bad numbers are in red, like you've made a 1055 00:46:25,480 --> 00:46:28,919 Speaker 2: whole bloody color coded spreadsheet and you're spreading the good 1056 00:46:28,920 --> 00:46:32,720 Speaker 2: financial vibes. And you think you're a B minus, which 1057 00:46:32,840 --> 00:46:35,080 Speaker 2: who am I to judge? Like, I don't mind what 1058 00:46:35,120 --> 00:46:37,839 Speaker 2: you think you are, But what does it take you 1059 00:46:37,920 --> 00:46:39,920 Speaker 2: to get to an A plus? Like how are we 1060 00:46:39,960 --> 00:46:41,680 Speaker 2: getting there? What does that even look like? 1061 00:46:42,040 --> 00:46:45,640 Speaker 4: It gets? What a plus? We are no student loans, 1062 00:46:45,719 --> 00:46:49,920 Speaker 4: we are investing regularly, not a lot. We are investing regularly, 1063 00:46:50,480 --> 00:46:53,759 Speaker 4: and we are not being as impulsive on the purchases. 1064 00:46:54,080 --> 00:46:55,640 Speaker 4: So a little bit a few steps. 1065 00:46:55,680 --> 00:46:58,680 Speaker 2: I love this, but you're on the way, Like you 1066 00:46:58,960 --> 00:47:01,920 Speaker 2: showed me early that you're very aware of you're purchasing 1067 00:47:01,960 --> 00:47:04,520 Speaker 2: and like impulsiveness versus like what you want and how 1068 00:47:04,520 --> 00:47:06,480 Speaker 2: it works. Like it's not as though you're not privy 1069 00:47:06,520 --> 00:47:08,600 Speaker 2: to these things. I'm not sitting down as an advisor 1070 00:47:08,640 --> 00:47:10,640 Speaker 2: and going, hey, did you realize you're a bit impulsive? 1071 00:47:10,640 --> 00:47:13,800 Speaker 2: And you're like no, I'm not, like self aware queen, 1072 00:47:14,480 --> 00:47:17,399 Speaker 2: And you're on the way, so like be minus sure, 1073 00:47:17,440 --> 00:47:19,520 Speaker 2: you can stay there if you want. But I feel 1074 00:47:19,520 --> 00:47:21,360 Speaker 2: like you're on the way to being an a and 1075 00:47:21,400 --> 00:47:24,439 Speaker 2: that's really exciting. Oh my gosh, Moneyed, I say wish 1076 00:47:24,440 --> 00:47:26,439 Speaker 2: I had like a whole other hour to sit down 1077 00:47:26,480 --> 00:47:28,799 Speaker 2: and yap with you, but I do not. It has 1078 00:47:28,840 --> 00:47:31,960 Speaker 2: been an absolute pleasure learning about you and having you 1079 00:47:32,000 --> 00:47:35,879 Speaker 2: as the second inaugural mail on my podcast. And this 1080 00:47:35,920 --> 00:47:39,320 Speaker 2: is definitely a shout out. We want everyone on the podcast, 1081 00:47:39,400 --> 00:47:41,280 Speaker 2: but it turns out we can only have the people 1082 00:47:41,280 --> 00:47:43,359 Speaker 2: that submit their money diaries and are happy to come 1083 00:47:43,400 --> 00:47:46,319 Speaker 2: on the show on the podcast. So if you feel 1084 00:47:46,320 --> 00:47:48,600 Speaker 2: like you've resonated with this and want more stories just 1085 00:47:48,840 --> 00:47:52,640 Speaker 2: like this, money diarists, please write in please DM me, 1086 00:47:52,880 --> 00:47:54,920 Speaker 2: please let's have a chat, because I feel like I've 1087 00:47:54,960 --> 00:47:57,200 Speaker 2: just made another best friend and that's my favorite thing 1088 00:47:57,200 --> 00:47:59,960 Speaker 2: in the entire world. Moneyed dirist as always it has. 1089 00:48:00,000 --> 00:48:01,760 Speaker 2: It's been a pleasure. Thank you so much for sharing 1090 00:48:01,800 --> 00:48:03,920 Speaker 2: you and your journey and what you're getting up to 1091 00:48:04,000 --> 00:48:06,640 Speaker 2: with our community, because I just know people are going 1092 00:48:06,640 --> 00:48:08,479 Speaker 2: to adore you as much as I have, but also 1093 00:48:08,480 --> 00:48:11,080 Speaker 2: they're going to learn so much, and I just I 1094 00:48:11,120 --> 00:48:13,040 Speaker 2: love our little community that we've built less. 1095 00:48:13,040 --> 00:48:15,000 Speaker 4: Thank you so much for having me. It's been so fun. 1096 00:48:15,239 --> 00:48:16,279 Speaker 2: Oh, I adore this. 1097 00:48:22,640 --> 00:48:25,200 Speaker 5: The advice shared on She's on the Money is general 1098 00:48:25,239 --> 00:48:29,120 Speaker 5: in nature and does not consider your individual circumstances. She's 1099 00:48:29,160 --> 00:48:32,560 Speaker 5: on the Money exists purely for educational purposes and should 1100 00:48:32,640 --> 00:48:35,800 Speaker 5: not be relied upon to make an investment or financial decision. 1101 00:48:36,200 --> 00:48:38,800 Speaker 2: If you do choose to buy a financial product. 1102 00:48:38,480 --> 00:48:42,000 Speaker 5: Read the PDS TMD and obtain appropriate financial. 1103 00:48:41,600 --> 00:48:43,360 Speaker 2: Advice tailored towards your needs. 1104 00:48:43,760 --> 00:48:47,720 Speaker 5: Victoria Divine and She's on the Money are authorized representatives 1105 00:48:47,719 --> 00:48:51,600 Speaker 5: of Money sheper Pty Ltd ABN three two one IS 1106 00:48:51,640 --> 00:48:55,520 Speaker 5: six four nine two seven seven zero eight AFSL four 1107 00:48:55,640 --> 00:49:07,200 Speaker 5: five one two eight nine