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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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

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Speaker 2: for millennials who want financial freedom. Welcome back to my

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Speaker 2: favorite episode of the week, Money Diaries, where I get

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Speaker 2: the absolute pleasure of sitting down with one of our

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Speaker 2: beautiful She's on the Money community members and talking all

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Speaker 2: about their journey. Let's jump straight into it because this

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Speaker 2: week the team got a message and it sounded exactly

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Speaker 2: like this. Hi, Victoria. Growing up, I lived on a

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Speaker 2: farm during the drought where money was tight and was

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Speaker 2: always told things were too expensive. It made me really

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Speaker 2: anxious as a kid and anxious about money. Now, I'm

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Speaker 2: a farmer and I have investments in shares and farming

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Speaker 2: and multiple side hustles that we make between one hundred

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Speaker 2: and two hundred thousand dollars extra per year from. I'm

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Speaker 2: in a same sex relationship, and I'm currently going through

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Speaker 2: the surrogacy process to have a baby. Money Diaris, I'm

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Speaker 2: so excited to talk to you. Welcome to the show.

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Speaker 4: Thanks for having me.

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Speaker 2: Oh my gosh, I think you're the first guy that

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Speaker 2: we've had on the pod. How great is this?

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Speaker 4: Well, I'm on it to be the first, hopefully one

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Speaker 4: of many.

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Speaker 2: It's not because I don't want them, it's because no

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Speaker 2: one's written.

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Speaker 4: In Well, I'm a big fan.

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Speaker 2: We can only share the stories that people want to

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Speaker 2: share with us, you know. Oh my gosh, I'm really

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Speaker 2: really excited because there's just so much in your story

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Speaker 2: that I want to unpack, Like that is a lot,

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Speaker 2: and you've condensed it into a very short paragraph and

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Speaker 2: it just leaves a lot of questions. So, as always,

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Speaker 2: let's start the podcast in exactly the same way I

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Speaker 2: always do. Money Doris, I want to know what great

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Speaker 2: would you give your money habits if I asked you

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Speaker 2: to give them a grade from A through to F.

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Speaker 4: I've given this a lot of thought, and I think

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Speaker 4: now with the investments I've taken in my own education

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Speaker 4: with finance and everything, that I'll be comfortable to give

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Speaker 4: myself an A and A.

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Speaker 3: Oh.

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Speaker 2: I love this. I'm probably not going to fight you

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Speaker 2: at the end, and last week I did fight somebody,

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Speaker 2: so like, this is a really good turnaround from me.

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Speaker 2: I want to know now, you've obviously given us a

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Speaker 2: really good summary of wave from where you are now,

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Speaker 2: but let's dive in a little bit deeper. I want

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Speaker 2: to know more about your money story. Can you please

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Speaker 2: share whatever you're comfortable with?

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Speaker 4: Yes. So I think it all stems back from my

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Speaker 4: parents put up when I was about five, and not

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Speaker 4: that I really remember money before then, but after that,

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Speaker 4: I remember Mum she went to Tafe and got educated

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Speaker 4: and started from basically nothing, and I remember, you know,

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Speaker 4: she rented for ages and then she could afford a

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Speaker 4: house and brought a first house and it was such

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Speaker 4: a big milestone. And I remember seeing that, and I

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Speaker 4: think that's a big sort of role model sort of

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Speaker 4: mentality that I grew up with. But in my teenage years,

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Speaker 4: both parents remarried and I would live sort of in

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Speaker 4: between Mum and dad each week. But through my teenage

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Speaker 4: years we went through a decade long drought, which was

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Speaker 4: a really really long one for us. And with farming,

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Speaker 4: droughts happened, and things happen and you sort of prepare

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Speaker 4: for it. But ten years is a long time to

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Speaker 4: you know, have minimal income or you know that sort

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Speaker 4: of thing. So that a way sort of made me

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Speaker 4: a little bit anxious about money, I guess. And I

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Speaker 4: was always an anxious kid growing up. I never you know,

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Speaker 4: did school sports or went on school camps or anything

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Speaker 4: like that. Sort of struggled through that, and then I

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Speaker 4: think from all that, even into my adulthood eighteen through

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Speaker 4: to twenty three, Yeah, I couldn't even go into like

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Speaker 4: shops or rarely do the grocery shop. I could do

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Speaker 4: little ones, but there was a couple of times I

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Speaker 4: would get the trolley full and then ditch it through

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Speaker 4: the dog frudial and run out there because I couldn't

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Speaker 4: go through the checkout, which is a little bit embarrassing.

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Speaker 4: That's not embarrassing, but it's all part of the journey.

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Speaker 4: And I think that I'm grateful for all those hurdles

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Speaker 4: that I went through along the way, and I think

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Speaker 4: it sort of molds you into the person that you

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Speaker 4: are and how I am with money now, and I'm

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Speaker 4: really thankful for that. Like I always think, oh, what

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Speaker 4: would life be like with my parents back together again?

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Speaker 4: But I think, you know, they weren't happy, and it's

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Speaker 4: probably the best thing that happened long term, because I

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Speaker 4: wouldn't be where I am today or were my family today.

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Speaker 4: So but yeah, and then after that, we lost our

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Speaker 4: house to a fire, Oh my god, and that was

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Speaker 4: our family farm home and that was a massive thing.

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Speaker 4: And I had no control of my anxiety or depression

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Speaker 4: at that stage, and that was real rock bottom. But

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Speaker 4: then with the rebuild of the house, my dad and

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Speaker 4: my grandparents gave me the task of being in charge

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Speaker 4: of the rebuild and I was like, no way I

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Speaker 4: could do that.

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Speaker 2: How old were you?

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Speaker 4: I was about twenty three at this stage.

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Speaker 2: All right here, I am thinking a twelve year old

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Speaker 2: has been tasked, not rebuilt. Sometimes we do require a

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Speaker 2: little bit of additional context.

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Speaker 4: Sorry, but yeah, So that was a big thing because like,

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Speaker 4: no way I could walk into shops and pick out

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Speaker 4: stuff like because I couldn't even do my own shopping,

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Speaker 4: let alone walking into a tile shop or anything like that.

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Speaker 4: But they really pushed me. I'm glad that they did

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Speaker 4: because that's what really taught me how to sort of

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Speaker 4: control my anxiety and understand those different feelings I was having.

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Speaker 4: And I got some help from the doctor and that

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Speaker 4: was a big turning point. But I think, in a nutshell,

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Speaker 4: that's sort of yeah, my money journey, Oh.

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Speaker 2: I love it. There's so many questions. Tell me about

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Speaker 2: life today. Obviously we're not leaving trolleys of food in

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Speaker 2: the dog food aisle anymore. I'm assuming, but like, tell me,

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Speaker 2: you're obviously a farmer, you have investments and shares, and

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Speaker 2: you're in a beautiful relationship, and you're going through the

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Speaker 2: surrogacy process. But tell me a little bit more about

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Speaker 2: that part of your life because that's really exciting.

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Speaker 4: It is really exciting. It's amazing to think how far

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Speaker 4: I've come. Men, I've run a mental health organization and

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Speaker 4: that sort of pushed my boundaries a bit more. And

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Speaker 4: then I met my partner now husband.

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Speaker 2: Congrats, thank you.

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Speaker 4: He really brings the best out enemy and has really

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Speaker 4: helped me flourish, and we lean on each other because

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Speaker 4: you know, we both have our things that we struggle with,

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Speaker 4: but we sort of lean on each other in those

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Speaker 4: times and you know, get through it and we're better

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Speaker 4: off with each other. So it's absolutely amazing. And yeah,

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Speaker 4: now we're about to have a baby.

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Speaker 2: I'm so excited for you.

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Speaker 4: Gone through that whole surrogacy thing. It's been about two

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Speaker 4: years in the making. We found a surrogate about twelve

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Speaker 4: months ago, which happens to be my partner's cousin. So

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Speaker 4: that was amazing and very very thankful that, you know,

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Speaker 4: we found someone so close that could be out. Sorry,

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Speaker 4: and they both got sisters and they both offered their

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Speaker 4: eggs as well, so we've got full blood babies.

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Speaker 2: No you don't. That makes me so happy.

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Speaker 4: Oh makes me want to cry.

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Speaker 2: Now, when's baby coming?

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Speaker 4: So we're just going through quarantine. Now, we've got the

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Speaker 4: embryos frozen, so we've done that whole process and now yeah,

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Speaker 4: we've got to wait three months and then we can

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Speaker 4: get them tested again and then we can put them in.

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Speaker 4: So set to put them in in December. Oh, fingers crossed.

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Speaker 2: That's so exciting. You could have a twenty twenty four.

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Speaker 2: Baby like me.

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Speaker 4: Let's hope.

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Speaker 2: So, oh we can make our babies be friends. I

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Speaker 2: love this. This is the best thing in the entire world.

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Speaker 2: I have a lot of questions. Let's get back on track,

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Speaker 2: because I'm sure that they will hop up as we go. Now,

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Speaker 2: you mentioned obviously you're a farmer, but you also have

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Speaker 2: investments and shares in I guess in the share market,

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Speaker 2: but also in farming. Tell me what you do for work,

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Speaker 2: but also how much money you want.

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Speaker 4: Yeah, so me and my partner have the exact same job,

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Speaker 4: which is on the family farm, and forty four thousand

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Speaker 4: each hits our bank account, and then we've got yes

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Speaker 4: super intacs on top of that. So that's our main

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Speaker 4: job and we're just basically farm hams. But we also

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Speaker 4: do all the marketing for the farm, and I'm sort

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Speaker 4: of in charge of the finances and all the budgets

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Speaker 4: and stuff with his mum, so that's really cool. And

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Speaker 4: then we have a few like little side hustles as well.

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Speaker 4: We purchased a farm, which we had to go over

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Speaker 4: the top to try and buy it because buying a

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Speaker 4: farm is a massive thing and the bank's not really

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Speaker 4: easy to get the money.

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Speaker 2: How much does the farm cost? Obviously I'm just being pervy,

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Speaker 2: but like we need to know. I've never bought a farm.

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Speaker 4: Yeah, this one costs us about eight hundred thousand, so

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Speaker 4: it's not as.

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Speaker 2: Bad as I thought. But that's a lot given you

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Speaker 2: both having comes to forty four thousand dollars like that

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Speaker 2: would have been a stretch.

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Speaker 4: Hey it was, but there was a really really ran

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Speaker 4: down farm and it's about four hundred acres, so.

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Speaker 2: Oh my gosh, that cost per square meter is very sexy.

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Speaker 4: Yeah, that's right. So yeah, we do that. And then

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Speaker 4: on that farm that we brought, we have calves, so

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Speaker 4: we have like cows and calves and those cars. This

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Speaker 4: year we'll get about forty thousand. Last year we've got

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Speaker 4: about sixty, but that's because the price fluctuations that they

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Speaker 4: are now, so they've come down so we'll get less

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Speaker 4: for them. And then we do some like photography and

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Speaker 4: videography work.

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Speaker 2: Oh cool, I did not expect that that is left field.

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Speaker 4: It is, but in the studstock industry, like with the

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Speaker 4: sheep and cattle and stuff, we film and take photos

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Speaker 4: and you know, then they can sell them online. And

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Speaker 4: it's all about the genetics and that type of thing.

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Speaker 2: So niche but obviously lucrative.

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Speaker 4: Yeah. So we will make between eighty and one hundred

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Speaker 4: k from that this year. And then we have oh

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Speaker 4: there's more, Yeah, there's one more. You'll love this one,

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Speaker 4: trust me, I'm ready. We have stud border collies.

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Speaker 2: Oh my gosh, I do love this one.

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Speaker 4: So we have border Collie work dogs. Each year. We'll

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Speaker 4: probably have like one leader. Occasionally we'll have two depending

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Speaker 4: on what's happened. But we get about you know, twenty

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Speaker 4: k from that per year.

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Speaker 2: Oh my gosh, dogs are so expensive.

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Speaker 4: Better, we'll make between two hundred and three hundred for

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Speaker 4: the year.

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Speaker 2: I love this. That just built and built and built.

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Speaker 2: You went from telling me, yeah, we have an income

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Speaker 2: each of forty four thousand dollars and I'm like, oh,

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Speaker 2: that's pretty good. Like, you know, being on a farm,

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Speaker 2: it's always going to be a little bit lower. Usually

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Speaker 2: family run businesses. By the way, we bought a farm.

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Speaker 2: By the way, we make forty thousand dollars from cars.

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Speaker 2: By the way, we also have a photography and videography

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Speaker 2: business where we make like one hundred grand. Also, we

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Speaker 2: breed dogs. We do everything.

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Speaker 4: By the way, that farm income is quite low, but

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Speaker 4: we get a lot of bonuses with that, like because

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Speaker 4: we're doing so much off farm work as well, so

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Speaker 4: it's flexible and you know, we get a little bit

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Speaker 4: of fuel here and there on the farm.

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Speaker 2: Yeah, it all works out. You have the same job

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Speaker 2: as your partner. Did you meet your partner at work?

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Speaker 2: Is that how you fell in love? Tell me more

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Speaker 2: about it.

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Speaker 4: Oh, I run a mental health organization.

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Speaker 2: Because you weren't busy already, So yeah, that makes sense.

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Speaker 4: And through that actually running to him, So that's where

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Speaker 4: that all stemmed from. And then I started helping them

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Speaker 4: out with their marketing because I had a camera, and

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Speaker 4: then from there they offered me a.

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Speaker 2: Job and a husband, it seems, yes.

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Speaker 4: And I left my family farm to come over here,

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Speaker 4: which was a huge thing. But I wouldn't change it

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Speaker 4: for the world, because laugh is about happiness, isn't it.

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Speaker 2: Oh, one hundred percent, even though it was.

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Speaker 4: A big thing moving from my family farm, but I've

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Speaker 4: come to this family and he's absolutely amazing, and I

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Speaker 4: love working here.

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Speaker 2: Oh my gosh, I love this so much. This is

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Speaker 2: like one of my favorite stories ever. One because I

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Speaker 2: like dogs, but two I just love love like the

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Speaker 2: best I want to know. Now, you have obviously some

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Speaker 2: big money commitments and some great income coming in, but

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Speaker 2: what are your big money goals at the moment? What

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Speaker 2: are you currently working towards?

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Speaker 4: Yeah, so number one's that baby. So doing sorrogacy isn't cheap.

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Speaker 2: I was going to ask. I was like, I hope

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Speaker 2: this comes up in the money goals.

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Speaker 4: Yeah. Yeah, so that's our short term one. So we've

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Speaker 4: spent about twenty three thousand on that so far.

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Speaker 2: Can we break that down actually, because I feel like

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Speaker 2: in Australia I know a little bit about it because

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Speaker 2: I have a number of friends who have gone through

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Speaker 2: the surrogacy journey same as you, Like same sex couples,

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Speaker 2: like you just don't have an option to have a

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Speaker 2: genetically yours baby unless you use that route.

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Speaker 4: Right.

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Speaker 2: Twenty three thousand dollars though, is so much money, especially

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Speaker 2: given you're not allowed to pay your surrogate in Australia.

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Speaker 2: So where's that twenty three coming from? What's that made

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Speaker 2: up of?

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Speaker 4: Yeah, so that's a lot of like blood tests and

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Speaker 4: stuff at the start, and then my sister donated the eggs,

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Speaker 4: so that whole process is in that as well. That's

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Speaker 4: pretty much everything twenty three k up until embryo is frozen.

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Speaker 4: We've still got to pay for the surrogate for that

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Speaker 4: sort of side of things, so we've allowed about thirty

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Speaker 4: but I'm not actually sure if that's going to blow

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Speaker 4: over or not.

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Speaker 2: Well you never know, raight.

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Speaker 4: Yeah, it's so black and white, and you don't know

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Speaker 4: how many times you got to do it, and yeah,

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Speaker 4: there's so many what ifs. So we've got spare they're

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Speaker 4: ready just in case, because yeah, I love it, nothing

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Speaker 4: standing in the way. But from that, the next thing

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Speaker 4: is we're actually starting to build a house as well,

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Speaker 4: and this is on the farm and we want to

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Speaker 4: pay that off as much as possible. Yeah, and then

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Speaker 4: our huge money goal that we always dream of is

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Speaker 4: having our investment portfolio. But with that investment portfolio, help

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Speaker 4: people with it, so help friends and family in times

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Speaker 4: of need.

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Speaker 2: You're like the best human I've ever met.

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Speaker 4: I've got a couple of cousins that are going through

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Speaker 4: some IVF stuff at the moment, and I think one

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Speaker 4: of them's up to about nine or ten goes at it,

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Speaker 4: and it's just the financial burden on that on top

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Speaker 4: of distress. But I'd love to be able to help

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Speaker 4: people out with things like that. Yeah, so that's our

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Speaker 4: ultimate goal.

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Speaker 2: Oh my gosh, I love this. You have such clarity

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Speaker 2: on your goals, baby, build house, investment portfolio, but one

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Speaker 2: that helps others. Like who are you apart from the

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Speaker 2: best human ever? Like, oh, I'm so envious. I actually

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Speaker 2: have heaps of questions, But let's go to a really

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Speaker 2: quick break and we'll get to them on the flip side.

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Speaker 2: All right, money dires, we are back, and I am

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Speaker 2: so excited to I guess learn more about you, learn

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Speaker 2: more about your family and what you're doing. It's time

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Speaker 2: to talk about our investments. We left the other half

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Speaker 2: of the episode with you saying I want to create

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Speaker 2: the investment portfolio that helps other people, and we already

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Speaker 2: know from what you wrote in You said I have

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Speaker 2: investments in shares and farming. Talk to me about those investments.

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Speaker 2: How are they broken up? How did you get into them?

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Speaker 4: Yeah, so I've currently got about seventy thousand in shares.

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Speaker 4: We've pulled a lot of money out of that because

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Speaker 4: we're about to build a house and stuff, and we

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Speaker 4: pulled money out of it to buy the farm as well.

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Speaker 4: So that's that and how I got into buying shares

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Speaker 4: for the first time through my teenage years because of

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Speaker 4: the drought, and ever think any birthday money or I

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Speaker 4: did some wool classing or whatever, I would save all

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Speaker 4: that money. And I turned eighteen I had ten grand,

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Speaker 4: which is huge.

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Speaker 2: That heaps of money, especially for such a young age.

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Speaker 4: It was amazing. I didn't spend a thing though, and

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Speaker 4: I went down and caught up with one of my

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Speaker 4: friends that's a financial advisor. He's offered me a free

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Speaker 4: little chat and teaching me about the stock market. Oh,

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Speaker 4: I love that, And that's where it started from. And

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Speaker 4: then from there we've got two farms as well. So

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Speaker 4: now we've managed to buy a couple. On the first one,

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Speaker 4: there's no debt on that at the moment, and on

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Speaker 4: the second farm, we've got about five hundred and fifty

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Speaker 4: k worth of debt. Do you want to know how

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Speaker 4: much they're worth?

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Speaker 2: Of course I do. I'm pervy. Technically you're anonymous to

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Speaker 2: everybody else. I'm going to ask the questions that I

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Speaker 2: was totally inappropriate to ask somebody that you're sitting next

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Speaker 2: to on a bus, like, yeah, how much debt have

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Speaker 2: you got? Babe.

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Speaker 4: Yeah, so on the one of the farms, it's one

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Speaker 4: point thirty nine meal and the other one's one point

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Speaker 4: two to four.

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Speaker 2: So slay. I need to stop saying slave, but I'm

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Speaker 2: not going to it's unrelatable.

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Speaker 4: But it's been a lot of hard work and time

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Speaker 4: like on top of that for it to grow in value.

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Speaker 4: So it's not just capital we've put in. It's just

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Speaker 4: growing over time.

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Speaker 2: Of course. So tell me how old you are now?

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Speaker 2: Because you had your first ten thousand dollars and you

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Speaker 2: started investing at eighteen. Where are we now?

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Speaker 4: I just turn thirty.

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Speaker 2: No you didn't. You've done all of that and you've

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Speaker 2: just turned thirty in a bin, straight in the bin.

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Speaker 2: Unrelatable content, Yeah, exactly, I said unrelatable in a nice

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Speaker 2: way though, Like how cool is this? Like I love

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Speaker 2: this story. I love that you're a farmer and you

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Speaker 2: know you've written in and said, hey, I'm a farmer,

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Speaker 2: have investments in shares and farming. Also, I'm in a

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Speaker 2: same sex relationship and I'm going through this surrega see journey.

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Speaker 2: I just don't think a lot of people would have

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Speaker 2: expected that. Like, it's not a twist, it's not a turn,

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Speaker 2: it's like your journey. But it's more I think we

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Speaker 2: have this preconceived idea of what farming looks like and

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Speaker 2: you've obviously thrown that on its head and you're like, oh, well,

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Speaker 2: by the way, I also, you know, have calves, and

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Speaker 2: I also have dogs, and I've found all of these

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Speaker 2: additional revenue streams to add to my life so that

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Speaker 2: I can create the LIFEI deserve because there are a

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Speaker 2: lot of farmers having come from I grew up in

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Speaker 2: Tasmania and my family owned farm. So my grandparents always

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Speaker 2: had a border Collie, which is why I was like, ah,

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Speaker 2: I love this. They're always really inspirational names, like a

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Speaker 2: Bob the dog. I feel like that's very farm But

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Speaker 2: growing up there, you kind of just have this preconceived

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Speaker 2: idea that yep, you earn forty four thousand dollars if

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Speaker 2: you live on a family fump. That's it, though, Like

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Speaker 2: that's all you do. You know, you might be given

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Speaker 2: a paddock and you could do your own sheep or something,

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Speaker 2: and that's like a couple of thousand dollars extra year,

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Speaker 2: but it's definitely not like forty thousand dollars from calves

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Speaker 2: or you know, picking up another photography and videography business.

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Speaker 2: You grew up in farming, So how did you get this?

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Speaker 2: I guess work life balance, but also this, I guess

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Speaker 2: motivation to do all of these additional things. Is this

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Speaker 2: what your parents did? Like where does this come from?

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Speaker 2: My friend?

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Speaker 4: No, definitely not, Like especially my dad and my grandparents.

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Speaker 4: They're like, you know, you work on the farm, you

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Speaker 4: don't have time for anything else, Like it's big hours.

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Speaker 4: But because of the drought and everything, I really wanted

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Speaker 4: to be able to sort of help the farm if

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Speaker 4: things got bad again. And that's sort of where my

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Speaker 4: savings sort of come into play, because if I could

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Speaker 4: build us some off farm income, I might be able

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Speaker 4: to bail the farm out if we got into some

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Speaker 4: real issues. And I was really scared that would lose

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Speaker 4: our farm, like especially our own farm, because that's you know,

404
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Speaker 4: where I grew up, my parents grew up, my grandpa

405
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Speaker 4: grew up. So it's a big thing for our family.

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Speaker 4: And if I can financially back that if I ever

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Speaker 4: had to, that sort of was always my goal. So

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Speaker 4: that's why. Yeah, it's always in the back of my

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Speaker 4: mind to make money elsewhere, and it's really important to

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Speaker 4: have that work life balance, and it is really tricky

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Speaker 4: not to get burnt out. And that is something that

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Speaker 4: I've really really focused on because I used to get

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Speaker 4: burnt out a lot and it wasn't until meeting my

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Speaker 4: husband now that he sat me down one day and

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Speaker 4: he goes, you need to just stop and you need

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Speaker 4: to make sure you look after yourself, because you can't

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Speaker 4: get burned out every week because you work really hard

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Speaker 4: and you get a lot done, but then you're out

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Speaker 4: for like fourd hour is because you're bedridden or in

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Speaker 4: hospital or whatever it may be. So it's in a

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Speaker 4: learning curve.

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Speaker 2: But yeah, so, yeah, he sounds like a good egg.

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Speaker 2: I think I like him. I think we can keep him.

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Speaker 4: Yeah, I found my Steve.

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Speaker 2: Yeah, you found justice. Does he make your tea and

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Speaker 2: toast on the weekends?

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Speaker 4: He does? Yeah?

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Speaker 2: Oh yeah? All right, well you definitely have found your Steve.

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Speaker 2: That's amazing. I love it. All right, tell me a

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Speaker 2: little bit more, I guess about debt. So you mentioned

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Speaker 2: before that you have five point fifty in debt on

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Speaker 2: one of your farms, and obviously that's valued at a

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Speaker 2: lot more. Is there any other debt sitting around that

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Speaker 2: you haven't shared, like, do you have any hex step

435
00:19:35,400 --> 00:19:38,720
Speaker 2: from studying anything or you know anything else sitting there

436
00:19:38,720 --> 00:19:40,359
Speaker 2: that I am unaware of at this point.

437
00:19:40,640 --> 00:19:43,040
Speaker 4: No, it's just that debt. But with the house build,

438
00:19:43,440 --> 00:19:45,280
Speaker 4: that debt will blow up a little bit to about

439
00:19:45,280 --> 00:19:45,680
Speaker 4: a meal.

440
00:19:46,040 --> 00:19:47,800
Speaker 2: Houses are expensive, they are.

441
00:19:47,720 --> 00:19:50,000
Speaker 4: And they've really gone up in the last sort of

442
00:19:50,080 --> 00:19:52,800
Speaker 4: twelve months with everything going on as well. So what

443
00:19:53,240 --> 00:19:55,840
Speaker 4: we initially got a quote on has blown out even more.

444
00:19:55,920 --> 00:19:58,640
Speaker 4: So we've got some cash they're ready to go in that.

445
00:19:58,880 --> 00:20:01,879
Speaker 2: And is this how obviously a million dollars is a

446
00:20:01,880 --> 00:20:04,400
Speaker 2: lot of money. Is this kind of like your family

447
00:20:04,480 --> 00:20:07,119
Speaker 2: home forever? Or is this like a house that you're like,

448
00:20:07,119 --> 00:20:08,720
Speaker 2: all right, we'll build this on the farm and maybe

449
00:20:08,720 --> 00:20:10,919
Speaker 2: we won't live here forever or what does that actually

450
00:20:10,920 --> 00:20:14,040
Speaker 2: look like? What's the future of I guess in a

451
00:20:14,040 --> 00:20:17,480
Speaker 2: way asking about your career as well as your home.

452
00:20:17,720 --> 00:20:20,160
Speaker 4: So, yeah, we are building it on the farm, so

453
00:20:20,680 --> 00:20:23,240
Speaker 4: you can't really just sell a house on a farm,

454
00:20:23,320 --> 00:20:26,160
Speaker 4: So it's there forever kind of thing. So that's why

455
00:20:26,200 --> 00:20:27,640
Speaker 4: we're sort of spending the money.

456
00:20:27,640 --> 00:20:27,760
Speaker 1: Now.

457
00:20:27,760 --> 00:20:29,600
Speaker 4: We've done all the hard yards to get to this point,

458
00:20:29,640 --> 00:20:32,400
Speaker 4: and we've you know, ticked all the boxes We've budgeted

459
00:20:32,440 --> 00:20:34,920
Speaker 4: forever to get to this point now, and our stars

460
00:20:34,960 --> 00:20:37,000
Speaker 4: are a line to have this baby, and we want to

461
00:20:37,000 --> 00:20:39,320
Speaker 4: have a nice house to bring a baby home to.

462
00:20:39,520 --> 00:20:41,119
Speaker 4: So we've worked really hard to get to this point,

463
00:20:41,160 --> 00:20:43,680
Speaker 4: and yeah, it's out forever home. So we're making sure

464
00:20:43,680 --> 00:20:45,960
Speaker 4: we spend the money where it's needed and make sure

465
00:20:45,960 --> 00:20:46,359
Speaker 4: it's good.

466
00:20:46,640 --> 00:20:48,159
Speaker 2: Yeah, that's why I was asking, because I was like,

467
00:20:48,160 --> 00:20:49,840
Speaker 2: if you're building a home on the family farm, you

468
00:20:49,880 --> 00:20:54,040
Speaker 2: can't exactly sell that. Who else lives on the family farm?

469
00:20:54,080 --> 00:20:56,399
Speaker 2: Obviously there's probably another house that you're currently living in,

470
00:20:56,400 --> 00:20:58,159
Speaker 2: but who else lives there? What does that look like

471
00:20:58,240 --> 00:20:58,879
Speaker 2: long term?

472
00:20:59,160 --> 00:21:01,560
Speaker 4: So the house that we're living in now is just

473
00:21:01,560 --> 00:21:03,959
Speaker 4: like a little cottage on the farm, me and my husband,

474
00:21:04,119 --> 00:21:06,040
Speaker 4: and then there is a couple of other houses on

475
00:21:06,080 --> 00:21:08,159
Speaker 4: the farm as well, Like his parents live in the

476
00:21:08,240 --> 00:21:10,760
Speaker 4: main farmhouse and then one of the sisters is in

477
00:21:10,800 --> 00:21:14,119
Speaker 4: the other one. But there's six kids in his family, so.

478
00:21:14,359 --> 00:21:15,160
Speaker 2: Oh I love that.

479
00:21:15,359 --> 00:21:18,320
Speaker 4: Yeah, it's such a beautiful family. But they like live

480
00:21:18,359 --> 00:21:22,040
Speaker 4: in the local town and around, so everyone's like still here,

481
00:21:22,080 --> 00:21:24,919
Speaker 4: so yeah, it's pretty cool. But yeah, so we're just

482
00:21:25,000 --> 00:21:27,480
Speaker 4: in that little cottage at the moment, which is really

483
00:21:27,560 --> 00:21:28,920
Speaker 4: lucky to live there because we don't have to pay

484
00:21:28,920 --> 00:21:29,560
Speaker 4: rent or anything.

485
00:21:29,600 --> 00:21:30,520
Speaker 2: Yeah that's a money win.

486
00:21:30,680 --> 00:21:32,520
Speaker 4: Yeah, it is a money win. But we just have

487
00:21:32,600 --> 00:21:34,000
Speaker 4: to pay the electricity bill and that's it.

488
00:21:34,280 --> 00:21:36,720
Speaker 2: How often do you get to do family dinners because

489
00:21:36,760 --> 00:21:39,600
Speaker 2: I feel like that's a big farm thing. Obviously they

490
00:21:39,640 --> 00:21:42,720
Speaker 2: happen in the main farmhouse. So how often is that happening.

491
00:21:42,600 --> 00:21:45,120
Speaker 4: Or I'd say at least once a week we'll have

492
00:21:45,200 --> 00:21:48,879
Speaker 4: a little catch up here. But even like lunchtime's here,

493
00:21:49,000 --> 00:21:51,240
Speaker 4: it's such a buzz because with six kids, you could

494
00:21:51,280 --> 00:21:53,240
Speaker 4: imagine how many grandkids and that are here as well.

495
00:21:53,280 --> 00:21:54,120
Speaker 4: So that's the best.

496
00:21:54,119 --> 00:21:55,600
Speaker 2: And they're going to get another one soon.

497
00:21:55,760 --> 00:21:58,879
Speaker 4: Yeah, So they're always here helping us on the farm.

498
00:21:58,920 --> 00:22:01,040
Speaker 4: And on the days that they don't have childcare or

499
00:22:01,119 --> 00:22:03,919
Speaker 4: at kindy or whatever, they're all out here. So lunchtime

500
00:22:04,080 --> 00:22:06,080
Speaker 4: is definitely a buzz around here, and it's amazing.

501
00:22:06,160 --> 00:22:08,000
Speaker 2: I love it. I have so many questions, but I

502
00:22:08,080 --> 00:22:10,879
Speaker 2: actually want to ask about childcare. You said earlier that

503
00:22:10,920 --> 00:22:13,520
Speaker 2: you and your partner essentially work and earn the same

504
00:22:13,560 --> 00:22:16,440
Speaker 2: amount of income because you both work on the family farm.

505
00:22:16,800 --> 00:22:18,720
Speaker 2: What is the plan when you have a newborn. How

506
00:22:18,720 --> 00:22:21,359
Speaker 2: are we looking after this newborn when it comes to

507
00:22:21,720 --> 00:22:25,000
Speaker 2: care and distribution of care because a farm, like I

508
00:22:25,000 --> 00:22:26,800
Speaker 2: don't know if you know this, but they don't stop.

509
00:22:27,240 --> 00:22:28,240
Speaker 2: So what's the plan?

510
00:22:28,760 --> 00:22:31,160
Speaker 4: Yeah, well, this has actually been a lot of discussion

511
00:22:31,320 --> 00:22:33,959
Speaker 4: lately and a lot to think about. There is a

512
00:22:34,440 --> 00:22:37,880
Speaker 4: childcare in town which is ten minutes away. Oh easy,

513
00:22:38,200 --> 00:22:40,360
Speaker 4: Yeah it is, but it's really hard to get into

514
00:22:40,359 --> 00:22:43,080
Speaker 4: because it's a really small town and there's only certain

515
00:22:43,119 --> 00:22:46,080
Speaker 4: amount of kids and that that they can handle. So

516
00:22:46,480 --> 00:22:48,399
Speaker 4: as soon as we know that we're pregnant, we have

517
00:22:48,440 --> 00:22:50,840
Speaker 4: to put our name on the list apparently, so that's.

518
00:22:50,640 --> 00:22:52,760
Speaker 2: What I did. It's actually terrifying. They were like, do

519
00:22:52,800 --> 00:22:53,879
Speaker 2: you know what you're having? And I was like, no,

520
00:22:54,040 --> 00:22:56,480
Speaker 2: let's call it baby Divine. Can byby Divine be on

521
00:22:56,520 --> 00:22:58,240
Speaker 2: the list for August next year and they were like, yeah,

522
00:22:58,280 --> 00:23:00,000
Speaker 2: no worries, it's crazy.

523
00:23:00,440 --> 00:23:02,760
Speaker 4: It is. It is, so yeah, we'll do that and

524
00:23:02,840 --> 00:23:05,760
Speaker 4: whatever days we get, we'll get. Besides that, on the

525
00:23:05,760 --> 00:23:08,880
Speaker 4: farm here, we're lucky that we have his parents. They're

526
00:23:08,920 --> 00:23:12,040
Speaker 4: happy to help out and sometimes like if I'm doing

527
00:23:12,040 --> 00:23:14,360
Speaker 4: the financials, like the budgets and like all that sort

528
00:23:14,400 --> 00:23:16,919
Speaker 4: of stuff, I can sort of hopefully look after a

529
00:23:16,920 --> 00:23:18,680
Speaker 4: baby and do that at the same time in the house.

530
00:23:18,720 --> 00:23:19,159
Speaker 4: I don't know.

531
00:23:19,560 --> 00:23:20,919
Speaker 2: I think I'm going to be able to do it

532
00:23:20,920 --> 00:23:23,119
Speaker 2: at the same time. Every other parent right now is

533
00:23:23,200 --> 00:23:25,119
Speaker 2: rolling their eyes at us, just like we don't have

534
00:23:25,200 --> 00:23:27,399
Speaker 2: kids yet. But we'll see how it goes, you know,

535
00:23:27,520 --> 00:23:30,400
Speaker 2: yollow the way, it's going to work out.

536
00:23:30,280 --> 00:23:32,240
Speaker 4: Right, It's going to work out, surely.

537
00:23:33,000 --> 00:23:34,679
Speaker 2: I love it all right. I want to know next.

538
00:23:34,880 --> 00:23:37,800
Speaker 2: I feel like you have some very good money habits

539
00:23:37,840 --> 00:23:39,080
Speaker 2: to share with us. So what do you think is

540
00:23:39,119 --> 00:23:40,080
Speaker 2: your best money habit?

541
00:23:40,760 --> 00:23:44,760
Speaker 4: Probably our best is living below our means and like

542
00:23:44,800 --> 00:23:47,120
Speaker 4: we've never really been big spenders or anything like that,

543
00:23:47,240 --> 00:23:49,800
Speaker 4: but yeah, just keeping ourselves in check with all that.

544
00:23:50,000 --> 00:23:54,080
Speaker 4: And with that, I think communication is a really important

545
00:23:54,080 --> 00:23:57,000
Speaker 4: thing in our relationship. And we're very clear in our

546
00:23:57,040 --> 00:23:59,479
Speaker 4: goals and we talk about money all the time, Like

547
00:24:00,040 --> 00:24:02,040
Speaker 4: we have a bath, we talk about money. It's weird,

548
00:24:02,080 --> 00:24:03,480
Speaker 4: I don't know, but it just works.

549
00:24:03,640 --> 00:24:06,320
Speaker 2: It sounds like my house. It's so fine, Like I

550
00:24:06,400 --> 00:24:08,960
Speaker 2: totally get that. Okay, So I just did this cool

551
00:24:09,000 --> 00:24:11,920
Speaker 2: thing with our budget and was like, oh, do you

552
00:24:12,000 --> 00:24:14,000
Speaker 2: want to talk about a dinner? And I'll be like yeah,

553
00:24:14,080 --> 00:24:16,199
Speaker 2: and he'll be like, that wasn't me asking if you

554
00:24:16,200 --> 00:24:17,960
Speaker 2: want to talk about it at dinner. I was asking

555
00:24:17,960 --> 00:24:20,480
Speaker 2: if that was your plan make haha, yes, sit down.

556
00:24:21,720 --> 00:24:24,360
Speaker 4: So I think communication is one of our good traits.

557
00:24:24,720 --> 00:24:27,959
Speaker 2: I love that flip it though, what's your worst or

558
00:24:28,000 --> 00:24:28,600
Speaker 2: our worst?

559
00:24:28,720 --> 00:24:32,680
Speaker 4: Is probably the bakery. I always end up at the bakery.

560
00:24:32,720 --> 00:24:34,000
Speaker 2: What are we buying at the bakery?

561
00:24:34,160 --> 00:24:36,199
Speaker 4: Like a little veggie pie that's so amazing or a

562
00:24:36,200 --> 00:24:37,640
Speaker 4: spinoche sausage roll.

563
00:24:38,080 --> 00:24:38,600
Speaker 2: I agree.

564
00:24:38,760 --> 00:24:40,840
Speaker 4: Yeah. So, like we're always doing filming jobs and stuff,

565
00:24:40,840 --> 00:24:42,680
Speaker 4: so we're on the road a lot, going to other farms,

566
00:24:42,680 --> 00:24:45,160
Speaker 4: and we happen to drive past it all the time.

567
00:24:45,280 --> 00:24:46,600
Speaker 4: So just pop in and.

568
00:24:46,640 --> 00:24:48,480
Speaker 2: Oh, no, look there's the bakery again.

569
00:24:48,760 --> 00:24:50,359
Speaker 4: I didn't know if you know this, but as a

570
00:24:50,400 --> 00:24:52,720
Speaker 4: country kid, if you drive past the kfcne don't stop

571
00:24:52,720 --> 00:24:55,200
Speaker 4: in for some salty chips. It's illegal. So I think

572
00:24:55,240 --> 00:24:58,960
Speaker 4: food's probably are downfall, but it's in our budget. We

573
00:24:59,040 --> 00:25:01,399
Speaker 4: make sure we commod eate for it, and it's not

574
00:25:01,440 --> 00:25:03,720
Speaker 4: stressful at all. But it's just one of those things

575
00:25:03,720 --> 00:25:05,160
Speaker 4: that we could cut back if we could.

576
00:25:05,760 --> 00:25:07,760
Speaker 2: But I think we all deserve a little treaty, treat

577
00:25:07,800 --> 00:25:10,359
Speaker 2: and Also, we laid down the law before. It's actually

578
00:25:10,400 --> 00:25:14,200
Speaker 2: illegal not to stop, so I'm not going to jail.

579
00:25:14,440 --> 00:25:16,040
Speaker 2: You're like, you're going to have a baby sooner. I'm

580
00:25:16,080 --> 00:25:17,800
Speaker 2: going to have a baby soon. Like we can't be

581
00:25:17,880 --> 00:25:20,639
Speaker 2: living that convic life, Like it's just not going to work.

582
00:25:21,480 --> 00:25:23,720
Speaker 2: So I love it. Oh my gosh. The next question

583
00:25:23,800 --> 00:25:26,840
Speaker 2: I always ask money Dice, now that we've talked, like,

584
00:25:26,920 --> 00:25:30,040
Speaker 2: do you think that your money grade at the start

585
00:25:30,080 --> 00:25:32,840
Speaker 2: of this episode is reflective? I already know the answer,

586
00:25:32,840 --> 00:25:35,800
Speaker 2: but I'm going to ask, anyway, do you think it's reflective?

587
00:25:35,840 --> 00:25:37,560
Speaker 2: But also what do you think it would take to

588
00:25:37,600 --> 00:25:39,280
Speaker 2: get from an A to an A plus?

589
00:25:39,800 --> 00:25:41,919
Speaker 4: I think it is, And like I said before, like

590
00:25:41,960 --> 00:25:45,719
Speaker 4: all their education and stuff, it's not easy getting to

591
00:25:45,880 --> 00:25:48,520
Speaker 4: that point, and it's been a long journey to get there,

592
00:25:48,960 --> 00:25:51,440
Speaker 4: and like no one should compare themselves to each other

593
00:25:51,680 --> 00:25:53,880
Speaker 4: and that type of thing. I'm happy with that, But

594
00:25:54,119 --> 00:25:56,600
Speaker 4: to get to an eight plus probably have all those

595
00:25:56,640 --> 00:26:00,200
Speaker 4: goals ticked off and we can be helping people much

596
00:26:00,200 --> 00:26:01,880
Speaker 4: as possible, And I think once we get to that

597
00:26:02,280 --> 00:26:03,720
Speaker 4: we can put that plus sign on there.

598
00:26:04,000 --> 00:26:06,879
Speaker 2: I love that. I feel like that is obviously written

599
00:26:06,880 --> 00:26:08,680
Speaker 2: in the stars, though like it's not just written in

600
00:26:08,680 --> 00:26:10,680
Speaker 2: the stars, it's written in your financial plan, like you're

601
00:26:10,680 --> 00:26:13,080
Speaker 2: going to get there. Like you were so clear on

602
00:26:13,119 --> 00:26:16,000
Speaker 2: your I guess money goals and what you were working towards.

603
00:26:16,000 --> 00:26:17,639
Speaker 2: When I asked, you were like, oh, yep, there's actually

604
00:26:17,680 --> 00:26:19,879
Speaker 2: three clear ones. And I was like okay, Slagh, Like

605
00:26:19,960 --> 00:26:22,520
Speaker 2: I love this. I'm so excited. Sadly, that's all we've

606
00:26:22,560 --> 00:26:24,719
Speaker 2: got time for today, but like I have adored this

607
00:26:24,840 --> 00:26:27,720
Speaker 2: chat learning a little bit more about you about your journey.

608
00:26:27,880 --> 00:26:30,000
Speaker 2: Thank you so much for being so open about it,

609
00:26:30,040 --> 00:26:33,679
Speaker 2: not just about your income, but just what that surrogacy

610
00:26:33,760 --> 00:26:36,199
Speaker 2: journey looks like in costs. And it can be so

611
00:26:36,400 --> 00:26:39,560
Speaker 2: hard in Australia because obviously it's not paid, so you

612
00:26:39,640 --> 00:26:43,960
Speaker 2: do have to find someone who is arguably incredibly generous

613
00:26:44,040 --> 00:26:47,360
Speaker 2: and charitable, who is willing to give something like that up.

614
00:26:47,720 --> 00:26:51,560
Speaker 2: Like it's crazy to think in twenty twenty three, like

615
00:26:51,600 --> 00:26:54,239
Speaker 2: we can't find quote easier way to do it. But

616
00:26:54,359 --> 00:26:56,760
Speaker 2: like I adore that a same sex couple can have

617
00:26:56,800 --> 00:27:01,240
Speaker 2: a genetically related baby with some body who's already in

618
00:27:01,280 --> 00:27:03,600
Speaker 2: their family, Like oh, it just makes my heart so happy.

619
00:27:03,760 --> 00:27:06,600
Speaker 4: Yeah, oh it's amazing. It's just with hearing you say

620
00:27:06,640 --> 00:27:09,400
Speaker 4: all that, because it's just incredible and I can't believe

621
00:27:09,400 --> 00:27:10,159
Speaker 4: it's actually happening.

622
00:27:10,240 --> 00:27:12,720
Speaker 2: Please message me like I want to be updated. I've

623
00:27:12,760 --> 00:27:16,440
Speaker 2: nominated myself as Baby Updates, but that is so exciting.

624
00:27:16,520 --> 00:27:18,640
Speaker 2: Thank you so much, money Dires. This has been an

625
00:27:18,680 --> 00:27:19,680
Speaker 2: absolute pleasure.

626
00:27:19,920 --> 00:27:26,639
Speaker 4: Thanks for having me, Victoria.

627
00:27:27,320 --> 00:27:29,840
Speaker 3: The advice shared on She's on the Money is general

628
00:27:29,880 --> 00:27:33,760
Speaker 3: in nature and does not consider your individual circumstances. She's

629
00:27:33,800 --> 00:27:37,200
Speaker 3: on the Money exists purely for educational purposes and should

630
00:27:37,280 --> 00:27:40,440
Speaker 3: not be relied upon to make an investment or financial decision.

631
00:27:40,840 --> 00:27:43,280
Speaker 3: If you do choose to buy a financial product, read

632
00:27:43,320 --> 00:27:47,479
Speaker 3: the PDS TMD and obtain appropriate financial advice tailored towards

633
00:27:47,480 --> 00:27:50,760
Speaker 3: your needs. Victoria, Divine and She's on the Money are

634
00:27:50,840 --> 00:27:55,840
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635
00:27:55,880 --> 00:27:58,880
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636
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