1 00:00:00,680 --> 00:00:04,920 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,960 --> 00:00:08,680 Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before 3 00:00:08,680 --> 00:00:11,160 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,319 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:17,680 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,240 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,320 --> 00:00:26,960 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,080 --> 00:00:30,120 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,240 --> 00:00:32,640 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,320 --> 00:00:34,120 Speaker 2: Let's get into it. 11 00:00:34,760 --> 00:00:54,040 Speaker 3: She's on the Money. She's on the Money. 12 00:00:58,000 --> 00:01:01,120 Speaker 2: Hello, and welcome to She's on the Money, the podcast 13 00:01:01,160 --> 00:01:04,640 Speaker 2: for millennials who want financial freedom. Welcome back to another 14 00:01:04,640 --> 00:01:06,800 Speaker 2: one of our money diaries where we get to talk 15 00:01:06,800 --> 00:01:09,280 Speaker 2: with one of our incredible She's on the Money community 16 00:01:09,319 --> 00:01:13,040 Speaker 2: members all about their journey. Let's jump straight into it, 17 00:01:13,080 --> 00:01:15,600 Speaker 2: because this week I got a message and it sounded 18 00:01:15,880 --> 00:01:19,039 Speaker 2: exactly like this. Hi, She's on the Money. At age 19 00:01:19,080 --> 00:01:22,240 Speaker 2: twenty nine, I had to start my life over after 20 00:01:22,280 --> 00:01:24,960 Speaker 2: a broken marriage. I began my life again and learned 21 00:01:24,959 --> 00:01:29,240 Speaker 2: to be independent. Almost ten years later, I'm happily remarried, 22 00:01:29,520 --> 00:01:33,119 Speaker 2: have a high paying job after switching careers, and I 23 00:01:33,240 --> 00:01:37,280 Speaker 2: own three properties. My life is better than I had hoped, 24 00:01:37,319 --> 00:01:39,959 Speaker 2: and I'm more fulfilled as a woman holding onto my 25 00:01:40,040 --> 00:01:44,160 Speaker 2: independence but finally having it all. Life has been full 26 00:01:44,200 --> 00:01:48,080 Speaker 2: of up and downs with twelve unsuccessful rounds of IVF, 27 00:01:48,520 --> 00:01:52,440 Speaker 2: but finally we are on the road to adoption. Oh, 28 00:01:52,600 --> 00:01:55,880 Speaker 2: money Darist, I have so many questions. Thank you for 29 00:01:56,000 --> 00:01:56,520 Speaker 2: joining me. 30 00:01:57,320 --> 00:01:59,440 Speaker 4: Oh, very welcome, Thank you, Victoria. 31 00:02:00,000 --> 00:02:02,320 Speaker 2: Oh my gosh, let's dive straight in. I want to 32 00:02:02,360 --> 00:02:04,320 Speaker 2: know if I asked you to grade your money habits 33 00:02:04,360 --> 00:02:07,760 Speaker 2: from A through to F, what would they be B 34 00:02:08,200 --> 00:02:11,200 Speaker 2: A B. I want to learn way more about that 35 00:02:11,360 --> 00:02:14,600 Speaker 2: with this episode. But next is my favorite question. It 36 00:02:14,720 --> 00:02:17,160 Speaker 2: is absolutely no secret that that is the case, because 37 00:02:17,200 --> 00:02:20,080 Speaker 2: I feel like I say that every time Money Darist. 38 00:02:20,120 --> 00:02:22,000 Speaker 2: I want to know, can you tell me a little 39 00:02:22,040 --> 00:02:23,760 Speaker 2: bit more about your money story? 40 00:02:24,160 --> 00:02:28,200 Speaker 4: Absolutely so. My money story started at a very young age. 41 00:02:28,240 --> 00:02:31,680 Speaker 5: My dad particularly was a child of six sisters, so 42 00:02:31,720 --> 00:02:33,880 Speaker 5: he was raised in a family that had a very 43 00:02:33,919 --> 00:02:37,120 Speaker 5: low income of struggling parents. So it was very very 44 00:02:37,160 --> 00:02:39,919 Speaker 5: important to him that he raised me and my sister 45 00:02:40,080 --> 00:02:43,440 Speaker 5: to have an understanding of money from a very young age. 46 00:02:43,720 --> 00:02:46,680 Speaker 5: So through high school, I worked as mean jobs as 47 00:02:46,680 --> 00:02:51,079 Speaker 5: I could, working you know, at the local supermarket or babysitting, 48 00:02:51,120 --> 00:02:53,520 Speaker 5: whatever I could do to put money in the pocket. 49 00:02:53,880 --> 00:02:55,680 Speaker 5: My parents said, you know, you don't have to pay 50 00:02:55,680 --> 00:02:58,160 Speaker 5: rent to live here, but you need to prove income 51 00:02:58,200 --> 00:03:00,720 Speaker 5: and savings in order to be able to provide for 52 00:03:00,760 --> 00:03:01,840 Speaker 5: yourself and your future. 53 00:03:02,080 --> 00:03:02,280 Speaker 1: Oh. 54 00:03:02,360 --> 00:03:04,240 Speaker 2: I love this, You've got to prove it. 55 00:03:04,400 --> 00:03:08,120 Speaker 5: Yeah, absolutely, So by the time I was eighteen, I 56 00:03:08,200 --> 00:03:10,799 Speaker 5: had two thousand dollars in my bank account and I 57 00:03:10,840 --> 00:03:12,520 Speaker 5: was like, I really want to buy a. 58 00:03:12,400 --> 00:03:15,680 Speaker 4: Car, and my Dad's like, you've done so well. 59 00:03:15,840 --> 00:03:18,080 Speaker 5: He gave me the rest of the money towards the 60 00:03:18,160 --> 00:03:20,320 Speaker 5: Red Joe and the insurance to be able to buy. 61 00:03:20,120 --> 00:03:21,160 Speaker 4: My first car. 62 00:03:21,440 --> 00:03:23,840 Speaker 5: Yeah, and it was really important to both him and 63 00:03:23,880 --> 00:03:26,840 Speaker 5: myself that, you know, I was to do that independently. 64 00:03:27,800 --> 00:03:29,480 Speaker 4: So my money story started really young. 65 00:03:29,639 --> 00:03:33,080 Speaker 5: Was really great role models within my parents, particularly my dad, 66 00:03:33,120 --> 00:03:36,520 Speaker 5: with money. So by the age of twenty two, I 67 00:03:36,600 --> 00:03:39,920 Speaker 5: was able to buy my first home with my ex husband. 68 00:03:40,040 --> 00:03:43,440 Speaker 2: Oh my god, twenty two, you're a baby married and 69 00:03:43,560 --> 00:03:45,400 Speaker 2: with a house, Like my gosh. 70 00:03:45,520 --> 00:03:46,200 Speaker 4: Yeah. 71 00:03:46,360 --> 00:03:49,200 Speaker 5: Absolutely needed a lot of work, but we just didn't 72 00:03:49,240 --> 00:03:51,440 Speaker 5: mind getting our hands into it. We wanted it to 73 00:03:51,440 --> 00:03:54,600 Speaker 5: be our first step. And by the time we did divorce, 74 00:03:54,680 --> 00:03:57,680 Speaker 5: which was unfortunate, we actually made around one hundred and 75 00:03:57,720 --> 00:04:02,120 Speaker 5: fifty thousand, so we were with down yeah, seventy grand each. 76 00:04:02,320 --> 00:04:05,320 Speaker 5: So it did set me up after the separation at 77 00:04:05,320 --> 00:04:06,160 Speaker 5: the age twenty. 78 00:04:06,000 --> 00:04:06,920 Speaker 2: Nine, Oh my gosh. 79 00:04:07,040 --> 00:04:08,640 Speaker 4: Yes, and I was struggling. 80 00:04:09,080 --> 00:04:11,200 Speaker 2: Yeah, my god, you would have been. 81 00:04:11,560 --> 00:04:13,720 Speaker 4: I had a four hundred thousand dollars mortgage. 82 00:04:14,040 --> 00:04:17,360 Speaker 5: I got renters in to help assist, but I just 83 00:04:17,880 --> 00:04:20,360 Speaker 5: really looked into and pulled deep into my heart and 84 00:04:20,400 --> 00:04:23,520 Speaker 5: realized that I just needed to earn more money and 85 00:04:23,560 --> 00:04:24,839 Speaker 5: I was capable. 86 00:04:24,520 --> 00:04:27,200 Speaker 2: One hundred percent. And it sounds like you were working 87 00:04:27,480 --> 00:04:29,719 Speaker 2: with those massive hours. It wouldn't have just been like 88 00:04:29,880 --> 00:04:32,400 Speaker 2: hard financially, it would have been just like hard mentally. 89 00:04:32,440 --> 00:04:34,160 Speaker 2: You would have been exhausted all the time, and then 90 00:04:34,200 --> 00:04:36,840 Speaker 2: feeling like you're not getting ahead. You'd just be like, ah, 91 00:04:36,880 --> 00:04:37,680 Speaker 2: what am I doing? 92 00:04:38,800 --> 00:04:42,039 Speaker 5: And I guess when a relationship ends, especially at that 93 00:04:42,160 --> 00:04:44,839 Speaker 5: age of twenty nine, I felt so lost. I'm like, 94 00:04:45,000 --> 00:04:48,600 Speaker 5: I don't have children, I'm no longer married, I don't 95 00:04:48,640 --> 00:04:51,320 Speaker 5: have my home, I don't have my dogs, my life 96 00:04:51,360 --> 00:04:56,560 Speaker 5: is no longer. I lost my way and it was 97 00:04:56,600 --> 00:04:59,839 Speaker 5: that perfect time, that turmoil in that to actually stir 98 00:05:00,160 --> 00:05:05,040 Speaker 5: me up and find myself and find my independence as 99 00:05:05,120 --> 00:05:07,920 Speaker 5: well as a career. I suppose it gave me more 100 00:05:07,960 --> 00:05:10,320 Speaker 5: satisfaction and passion and income. 101 00:05:10,480 --> 00:05:13,120 Speaker 2: Oh my gosh, I need to know more what to do? 102 00:05:13,360 --> 00:05:13,920 Speaker 4: Yeah. 103 00:05:14,200 --> 00:05:16,960 Speaker 5: I actually volunteered with a friend who was a sales 104 00:05:16,960 --> 00:05:19,159 Speaker 5: rep in the hair and beauty industry, since that was 105 00:05:19,200 --> 00:05:22,279 Speaker 5: the industry that I knew and was familiar with. I 106 00:05:22,320 --> 00:05:25,240 Speaker 5: followed her around for nine months working with her, and 107 00:05:25,279 --> 00:05:28,119 Speaker 5: she gave me commission two hundred dollars here, two hundred 108 00:05:28,120 --> 00:05:31,080 Speaker 5: dollars there for opening new business with her, and I 109 00:05:31,120 --> 00:05:33,880 Speaker 5: thought I can do this. I went and did a 110 00:05:33,920 --> 00:05:37,200 Speaker 5: training and assessing course and within nine months I left 111 00:05:37,200 --> 00:05:38,400 Speaker 5: the beauty industry for good. 112 00:05:38,640 --> 00:05:39,719 Speaker 2: Oh my gosh. 113 00:05:39,760 --> 00:05:42,840 Speaker 5: I've been doing that for nearly eight years now, working 114 00:05:42,880 --> 00:05:46,120 Speaker 5: as a hair and beauty sales rep within Victoria, and 115 00:05:46,360 --> 00:05:47,760 Speaker 5: I absolutely love it. 116 00:05:47,880 --> 00:05:49,440 Speaker 4: I get to teach the skills that I. 117 00:05:49,520 --> 00:05:53,760 Speaker 5: Learned from the salon environment and share with women and 118 00:05:54,200 --> 00:05:56,400 Speaker 5: you know, talk about the things that I still love. 119 00:05:56,960 --> 00:05:59,400 Speaker 4: But it doesn't hurt my back and my body anymore. 120 00:05:59,440 --> 00:06:02,880 Speaker 5: From physics doing the jobs, and I'm earning more money 121 00:06:03,480 --> 00:06:05,120 Speaker 5: and feeling financially rewarded. 122 00:06:05,520 --> 00:06:07,560 Speaker 2: I love this, and I love that you kind of 123 00:06:07,600 --> 00:06:09,520 Speaker 2: got to stay in an area that you were clearly 124 00:06:09,600 --> 00:06:12,240 Speaker 2: passionate about. I feel like so many of us fall 125 00:06:12,240 --> 00:06:15,280 Speaker 2: into these careers that are arguably on the lower end 126 00:06:15,320 --> 00:06:18,480 Speaker 2: of the pay because you just go, well, I'm really 127 00:06:18,520 --> 00:06:20,200 Speaker 2: passionate about it, and I really want to do it, 128 00:06:20,279 --> 00:06:22,080 Speaker 2: like this is what I love, and then you just 129 00:06:22,080 --> 00:06:24,520 Speaker 2: don't get rewarded and then you end up burnt out. 130 00:06:24,680 --> 00:06:27,080 Speaker 2: But what a good step. I want to know now, though, 131 00:06:27,440 --> 00:06:30,159 Speaker 2: like what is your actual job title and how much 132 00:06:30,200 --> 00:06:31,960 Speaker 2: money do you earn now? Because I know that it's 133 00:06:31,960 --> 00:06:33,760 Speaker 2: not the fifty five grand you started on. 134 00:06:34,120 --> 00:06:37,560 Speaker 5: No, So my actual title is an account manager or 135 00:06:37,640 --> 00:06:41,359 Speaker 5: a B to B salesperson. My base salary is eighty 136 00:06:41,360 --> 00:06:42,760 Speaker 5: five thousand dollars A yeah. 137 00:06:42,680 --> 00:06:43,400 Speaker 2: All very nice. 138 00:06:43,520 --> 00:06:48,480 Speaker 5: I receive a fully paid company car, petrol, everything included, 139 00:06:49,040 --> 00:06:53,599 Speaker 5: and I also get commission on different components within my role. 140 00:06:53,800 --> 00:06:57,120 Speaker 5: So my average income of commission per year is between 141 00:06:57,160 --> 00:06:59,680 Speaker 5: ten and twenty thousand dollars on top of my base salary. 142 00:07:00,160 --> 00:07:02,080 Speaker 2: Very nice, and the company car is like the little 143 00:07:02,160 --> 00:07:05,600 Speaker 2: cherry on the top because that stuff adds up, like 144 00:07:06,160 --> 00:07:11,360 Speaker 2: petrol and everything, regio insurance, even just ongoing costs, Like 145 00:07:11,400 --> 00:07:13,080 Speaker 2: that's nice not to have to foot. 146 00:07:13,480 --> 00:07:15,800 Speaker 5: It also gives me more freedom within my role. I 147 00:07:15,840 --> 00:07:18,880 Speaker 5: feel I'm not restricted using my own car, I'm using 148 00:07:18,920 --> 00:07:21,480 Speaker 5: their car. I feel like I can give more in 149 00:07:21,520 --> 00:07:23,400 Speaker 5: my position as well, if that makes sense. 150 00:07:23,680 --> 00:07:25,920 Speaker 2: We're not putting ks on a car that then is 151 00:07:25,960 --> 00:07:29,120 Speaker 2: depreciating in value for you, Like I get it, and 152 00:07:29,160 --> 00:07:32,520 Speaker 2: I love that they provide that. But you mentioned before 153 00:07:32,600 --> 00:07:34,840 Speaker 2: that you own three properties, so I feel like you've 154 00:07:34,960 --> 00:07:38,200 Speaker 2: achieved a lot. So what are your actual money goals? 155 00:07:38,240 --> 00:07:40,160 Speaker 2: What are we working towards? Because I feel like you've 156 00:07:40,160 --> 00:07:41,239 Speaker 2: achieved it all already. 157 00:07:41,720 --> 00:07:44,280 Speaker 5: My big money goal, I suppose, would have to be 158 00:07:44,440 --> 00:07:48,160 Speaker 5: looking into this permanent care adoption process. So as much 159 00:07:48,160 --> 00:07:52,160 Speaker 5: as there's no costs within Australia to permanently adopt a 160 00:07:52,240 --> 00:07:55,160 Speaker 5: child or the other program we're looking into is permanent care, 161 00:07:55,160 --> 00:07:58,920 Speaker 5: there's no cost affiliated we do know, as you do, Victoria, 162 00:07:59,120 --> 00:08:01,600 Speaker 5: the cost of a child. In general. We'd like to 163 00:08:01,640 --> 00:08:05,600 Speaker 5: provide a similar upbringing to we have had, so we'd 164 00:08:05,680 --> 00:08:08,600 Speaker 5: like to go on holidays and have experiences with our child. 165 00:08:08,760 --> 00:08:12,800 Speaker 5: So at the moment, that's our biggest focus and money 166 00:08:12,800 --> 00:08:15,720 Speaker 5: goal is to I guess, child proof our house, get 167 00:08:15,720 --> 00:08:16,600 Speaker 5: a house ready. 168 00:08:17,240 --> 00:08:19,320 Speaker 4: We have no idea what age child we're. 169 00:08:19,120 --> 00:08:22,040 Speaker 5: Going to be welcoming into our lives, so there's a 170 00:08:22,080 --> 00:08:25,640 Speaker 5: lot of unforeseeables that we would like to have the 171 00:08:25,680 --> 00:08:29,000 Speaker 5: money prepared for, and that's our biggest goal with the moment. 172 00:08:29,320 --> 00:08:32,040 Speaker 2: I love that, and I feel like it would be 173 00:08:32,120 --> 00:08:34,439 Speaker 2: such a nerve wracking process at the same time as 174 00:08:34,440 --> 00:08:38,320 Speaker 2: being like incredibly exciting, like you're welcoming a child into 175 00:08:38,320 --> 00:08:41,000 Speaker 2: your home. But I know how excited I was because 176 00:08:41,000 --> 00:08:43,640 Speaker 2: like when I was having a baby, I didn't find 177 00:08:43,679 --> 00:08:45,400 Speaker 2: out the gender, and I was like, oh, I just 178 00:08:45,440 --> 00:08:47,520 Speaker 2: don't know, but you don't know so much more than that. 179 00:08:47,880 --> 00:08:50,040 Speaker 2: Is that exciting or daunting or like what does that 180 00:08:50,120 --> 00:08:50,600 Speaker 2: look like? 181 00:08:51,160 --> 00:08:54,000 Speaker 5: I often think about it because the process can take 182 00:08:54,040 --> 00:08:56,839 Speaker 5: a lot of time, but once it starts, it can 183 00:08:56,960 --> 00:08:59,880 Speaker 5: move really fast. So we could literally get a phone 184 00:09:00,120 --> 00:09:02,440 Speaker 5: or next week saying there's a four year old girl 185 00:09:02,800 --> 00:09:06,679 Speaker 5: that's maybe got autism that's ready for your home, and 186 00:09:06,760 --> 00:09:08,800 Speaker 5: you're like, okay, four year old girl, what do I do? 187 00:09:08,960 --> 00:09:10,679 Speaker 5: What do they need? You know, you need to look 188 00:09:10,720 --> 00:09:12,720 Speaker 5: at what sort of care providers are in your area 189 00:09:12,960 --> 00:09:16,400 Speaker 5: and schools. Maybe if they're four, maybe we need to 190 00:09:16,400 --> 00:09:18,520 Speaker 5: look at primary school. It's pretty big and they're get 191 00:09:18,520 --> 00:09:21,960 Speaker 5: to come with their own interests and passions, and I 192 00:09:21,960 --> 00:09:24,600 Speaker 5: can't wait to curate that and see what they're all about. 193 00:09:24,720 --> 00:09:25,600 Speaker 5: It's really wonderful. 194 00:09:25,679 --> 00:09:27,200 Speaker 2: I want to be pervy because I feel like this 195 00:09:27,320 --> 00:09:29,720 Speaker 2: is something that you know, we don't often get the 196 00:09:29,760 --> 00:09:33,280 Speaker 2: opportunity to look into, and Google doesn't provide a lot. 197 00:09:33,320 --> 00:09:35,920 Speaker 2: As you're probably going to tell me, how did you 198 00:09:36,040 --> 00:09:39,240 Speaker 2: work out what that process would look like? Because you 199 00:09:39,280 --> 00:09:42,880 Speaker 2: know you mentioned in your story, look after twelve, like 200 00:09:43,040 --> 00:09:47,000 Speaker 2: that's a lot twelve unsuccessful IVF rounds you've decided that 201 00:09:47,360 --> 00:09:51,040 Speaker 2: adoption or you know, permanent care is for you. How 202 00:09:51,080 --> 00:09:52,120 Speaker 2: did you get to that? 203 00:09:52,440 --> 00:09:55,120 Speaker 5: Yeah, Look, it's a really hard thing deciding to finish 204 00:09:55,200 --> 00:09:58,360 Speaker 5: up IVF after twelve rounds because we're in a higher 205 00:09:58,440 --> 00:10:01,640 Speaker 5: financial bracket and then, and I guess most people that 206 00:10:02,240 --> 00:10:06,920 Speaker 5: we know it wasn't a financial decision to end the IVF, 207 00:10:07,600 --> 00:10:09,840 Speaker 5: as much as I know that's coming from such a 208 00:10:09,880 --> 00:10:13,400 Speaker 5: privileged place. We had to make a decision that was 209 00:10:13,480 --> 00:10:16,280 Speaker 5: mental and physical. It got to a point where it 210 00:10:16,360 --> 00:10:19,120 Speaker 5: was so taxing on my body. My body had been 211 00:10:19,240 --> 00:10:22,520 Speaker 5: pumped with hormones and all these toxins and you know, 212 00:10:22,559 --> 00:10:25,079 Speaker 5: all these things for so long I'd become so sick, 213 00:10:25,800 --> 00:10:31,040 Speaker 5: so physically I couldn't continue doing IVF. In Australia, surrogacy 214 00:10:31,400 --> 00:10:34,880 Speaker 5: is not the same as it is in countries like the. 215 00:10:34,960 --> 00:10:36,400 Speaker 4: US or England. 216 00:10:36,480 --> 00:10:40,959 Speaker 5: And you know, you can't pay or you can't offer 217 00:10:41,000 --> 00:10:44,439 Speaker 5: any services to anyone to become a surrogate. Therefore, you're 218 00:10:44,480 --> 00:10:47,960 Speaker 5: relying on close family and friends who have had children 219 00:10:48,080 --> 00:10:51,160 Speaker 5: that are willing to give up their body and their 220 00:10:51,200 --> 00:10:53,760 Speaker 5: lives for this period of time for us, and we 221 00:10:53,800 --> 00:10:56,840 Speaker 5: did put the call out to know our network with 222 00:10:56,960 --> 00:10:59,079 Speaker 5: some hope and a lot of people in our friendship 223 00:10:59,080 --> 00:11:01,880 Speaker 5: group have just not been their family journey and we 224 00:11:02,040 --> 00:11:05,960 Speaker 5: completely respect that and understand that the sacrifice is just 225 00:11:06,240 --> 00:11:09,719 Speaker 5: too large and for us to look at overseas options 226 00:11:10,040 --> 00:11:12,360 Speaker 5: it was going to cost between two hundred thousand and 227 00:11:12,640 --> 00:11:13,640 Speaker 5: half a million dollars. 228 00:11:13,920 --> 00:11:16,160 Speaker 2: Yeah, it's actually wild so for. 229 00:11:16,240 --> 00:11:22,199 Speaker 5: Us permanent care and adoption they're two separate programs within Victoria, 230 00:11:22,320 --> 00:11:26,480 Speaker 5: but both options to me sounded like more of a 231 00:11:26,520 --> 00:11:31,200 Speaker 5: guarantee and also, somewhere in my heart, I always felt 232 00:11:31,200 --> 00:11:33,640 Speaker 5: like I would adopt a child, and a child that 233 00:11:33,840 --> 00:11:37,560 Speaker 5: maybe is requiring a little bit more extra love and attention, 234 00:11:38,440 --> 00:11:41,360 Speaker 5: maybe has suffered from trauma. I believe we've got the 235 00:11:41,400 --> 00:11:44,640 Speaker 5: skill set to be able to help maybe where they 236 00:11:44,720 --> 00:11:47,120 Speaker 5: haven't had that love and support before. 237 00:11:47,200 --> 00:11:50,040 Speaker 4: And I love that opportunity. So it just felt right 238 00:11:50,120 --> 00:11:50,760 Speaker 4: in the heart. 239 00:11:51,040 --> 00:11:54,640 Speaker 2: That literally gives me groosebumps. You are such a special 240 00:11:54,760 --> 00:11:57,280 Speaker 2: human Like it's one thing to want a child, right, 241 00:11:57,480 --> 00:11:59,800 Speaker 2: I think most people would say, Okay, well, you know, 242 00:12:00,040 --> 00:12:01,280 Speaker 2: I don't know if I want to take on the 243 00:12:01,320 --> 00:12:04,280 Speaker 2: extra baggage of, you know, a child that has additional needs, 244 00:12:04,280 --> 00:12:05,920 Speaker 2: and you're like, oh, I would love to do that. 245 00:12:06,000 --> 00:12:07,920 Speaker 2: I have the space in my heart and my home. 246 00:12:08,000 --> 00:12:09,880 Speaker 2: And I'm just like, I want to be your best friend. 247 00:12:10,040 --> 00:12:12,800 Speaker 2: Like you are literally such a special human being. And 248 00:12:12,840 --> 00:12:15,360 Speaker 2: it sounds like your partner and you are probably on 249 00:12:15,400 --> 00:12:17,520 Speaker 2: the same page, is that right, You're both in this 250 00:12:17,600 --> 00:12:19,520 Speaker 2: situation where you're like, this is going to work. 251 00:12:20,080 --> 00:12:22,240 Speaker 5: Well, Look, we had to have the conversation because our 252 00:12:22,240 --> 00:12:24,000 Speaker 5: complications are with me, not with Kim. 253 00:12:24,440 --> 00:12:26,800 Speaker 4: Are you in or you're out? Like if you're out, 254 00:12:27,200 --> 00:12:27,680 Speaker 4: that's it. 255 00:12:27,880 --> 00:12:30,240 Speaker 5: You know, we had to have those serious conversations, and 256 00:12:30,280 --> 00:12:33,600 Speaker 5: I think having a divorce before made me a bit more. 257 00:12:33,440 --> 00:12:35,720 Speaker 4: In reality of that. I'm like, this is a barrier. 258 00:12:36,360 --> 00:12:38,600 Speaker 5: I said, you know, we could look at maybe using 259 00:12:38,800 --> 00:12:41,320 Speaker 5: your parts with someone else, a's other options, you know. 260 00:12:41,600 --> 00:12:44,440 Speaker 5: But he didn't want that either. He didn't want anything 261 00:12:44,480 --> 00:12:46,959 Speaker 5: that wasn't both of us. He just wanted to parent 262 00:12:47,000 --> 00:12:47,240 Speaker 5: with me. 263 00:12:47,559 --> 00:12:49,240 Speaker 2: I love this so much. 264 00:12:49,559 --> 00:12:52,600 Speaker 5: Yeah, he's a wonderful guy. He's going through the whole 265 00:12:52,679 --> 00:12:54,840 Speaker 5: journey as much as what I have. I think, you 266 00:12:54,880 --> 00:12:57,080 Speaker 5: know a lot of people underestimate the man in the 267 00:12:57,120 --> 00:12:58,520 Speaker 5: relationship or the partner. 268 00:12:58,679 --> 00:12:58,880 Speaker 1: Yeah. 269 00:12:58,920 --> 00:13:01,960 Speaker 4: Yeah, but they're on the road, they're they're air every 270 00:13:01,960 --> 00:13:02,680 Speaker 4: step of the way. 271 00:13:02,880 --> 00:13:06,400 Speaker 2: So how are you financially preparing for this journey? Are 272 00:13:06,400 --> 00:13:09,200 Speaker 2: you just saving like crazy, or are you, you know, 273 00:13:09,280 --> 00:13:12,120 Speaker 2: setting up an emergency fund, or are you like doing 274 00:13:12,200 --> 00:13:15,120 Speaker 2: research into what different things could cost? Like where are 275 00:13:15,120 --> 00:13:15,760 Speaker 2: you starting? 276 00:13:16,240 --> 00:13:19,599 Speaker 5: We did initially look a lot into the surrogacy option overseas, 277 00:13:19,600 --> 00:13:21,920 Speaker 5: so we did extend the mortgage on one of our 278 00:13:21,960 --> 00:13:25,560 Speaker 5: properties to prepare for that, which we've just left sort 279 00:13:25,559 --> 00:13:28,040 Speaker 5: of sitting on that mortgage at the moment, not touching it. 280 00:13:28,480 --> 00:13:31,520 Speaker 5: Because we have decided to go down the other route. 281 00:13:31,800 --> 00:13:35,240 Speaker 5: In the way of preparation, we've been spending bits and 282 00:13:35,280 --> 00:13:38,240 Speaker 5: pieces along the journey, and the sense of buying lockboxes 283 00:13:38,280 --> 00:13:40,480 Speaker 5: because we could be getting, like I said, a nine 284 00:13:40,559 --> 00:13:43,920 Speaker 5: year old that its mother was addicted to something. We 285 00:13:44,000 --> 00:13:47,320 Speaker 5: need to be really, really cautious of what outcomes are possible. 286 00:13:47,600 --> 00:13:52,040 Speaker 5: So we're preparing for the absolute worst. We're changing furniture 287 00:13:52,080 --> 00:13:55,040 Speaker 5: in our home where we can, you know, buying different 288 00:13:55,040 --> 00:13:57,240 Speaker 5: bits and bolbs that we can think of, as well 289 00:13:57,280 --> 00:13:59,720 Speaker 5: as I guess spending a lot of money and time 290 00:13:59,800 --> 00:14:03,880 Speaker 5: on research. So I really would like to adapt a 291 00:14:03,960 --> 00:14:08,920 Speaker 5: parenting style that's therapeutic, that is all about the child, 292 00:14:09,120 --> 00:14:12,480 Speaker 5: nurturing them, trauma response and all these things actually cost 293 00:14:12,880 --> 00:14:15,400 Speaker 5: time and money to read the books and to find 294 00:14:15,400 --> 00:14:19,040 Speaker 5: out about them, to ten seminars, take the time off 295 00:14:19,080 --> 00:14:21,720 Speaker 5: work to be able to prepare for it. The bits 296 00:14:21,760 --> 00:14:23,880 Speaker 5: and pieces, we just really try to save as much 297 00:14:23,880 --> 00:14:27,360 Speaker 5: as we can, and I guess make some lifestyle changes 298 00:14:27,400 --> 00:14:28,440 Speaker 5: now in preparation. 299 00:14:29,000 --> 00:14:33,000 Speaker 2: I love that. And having gone down this route, have 300 00:14:33,160 --> 00:14:36,800 Speaker 2: you been having conversations about what that timeline can look like. 301 00:14:36,960 --> 00:14:40,760 Speaker 2: I know that adoption is incredibly fickle, but I don't 302 00:14:40,800 --> 00:14:43,800 Speaker 2: know a lot about permanent care. Is this something where 303 00:14:43,880 --> 00:14:45,360 Speaker 2: you know when you talk to them, they go, oh, 304 00:14:45,360 --> 00:14:46,880 Speaker 2: it could be a ten year, eight or it could 305 00:14:46,920 --> 00:14:50,040 Speaker 2: be five seconds. Like what's the usual time frame on 306 00:14:50,120 --> 00:14:51,080 Speaker 2: these things. 307 00:14:51,080 --> 00:14:53,880 Speaker 5: They're saying within permanent care? Is it could be today, 308 00:14:54,160 --> 00:14:55,840 Speaker 5: it could be next month, or it could be never. 309 00:14:56,640 --> 00:15:01,160 Speaker 2: Right. So it's literally the longest and most fraught journey ever. 310 00:15:01,680 --> 00:15:04,320 Speaker 4: Yeah, there's no guarantee. 311 00:15:03,920 --> 00:15:07,000 Speaker 2: Of course not. Yeah, I just know that someone special 312 00:15:07,040 --> 00:15:08,760 Speaker 2: is coming for you though, because even just the way 313 00:15:08,760 --> 00:15:10,360 Speaker 2: that I'm getting to know you, I'm like, I would 314 00:15:10,360 --> 00:15:12,840 Speaker 2: give you a baby immediately. Mike, you look like you're 315 00:15:12,840 --> 00:15:14,280 Speaker 2: going to be a great mum. In fact, you've got 316 00:15:14,360 --> 00:15:15,760 Speaker 2: to be a better than me. So can you please 317 00:15:15,760 --> 00:15:17,040 Speaker 2: tell me or your tips and tricks. 318 00:15:17,480 --> 00:15:20,920 Speaker 5: Look, I think when you've had obstacles in your way, 319 00:15:21,280 --> 00:15:25,240 Speaker 5: you do have to consider things differently to a parent 320 00:15:25,400 --> 00:15:29,040 Speaker 5: that has just had a child or fallen pregnant. Accidentally, 321 00:15:29,160 --> 00:15:33,960 Speaker 5: I've had years to prepare for different outcomes, different scenarios, 322 00:15:34,400 --> 00:15:37,440 Speaker 5: but there's still going to be so many unknowns, and 323 00:15:37,520 --> 00:15:39,080 Speaker 5: I'm sure I'm going to continue to learn. 324 00:15:39,160 --> 00:15:40,240 Speaker 4: Like you are, Victoria, I. 325 00:15:40,160 --> 00:15:43,920 Speaker 2: Think, oh wow, I love it. I've got so many questions, 326 00:15:44,080 --> 00:15:46,040 Speaker 2: but we need to go to a quick break on 327 00:15:46,080 --> 00:15:47,840 Speaker 2: the flip side. We're going to talk a little bit 328 00:15:47,880 --> 00:15:50,160 Speaker 2: more about this, but also about the debt that you've 329 00:15:50,160 --> 00:15:52,080 Speaker 2: got on the mortgages you've got. I want to know 330 00:15:52,080 --> 00:15:54,880 Speaker 2: about investments, and then your best and your worst money habits, 331 00:15:54,880 --> 00:16:02,600 Speaker 2: so guys, don't go anywhere money darist. We are back, 332 00:16:02,640 --> 00:16:04,720 Speaker 2: and I'm just in awe, Like, I just think you're 333 00:16:04,760 --> 00:16:07,080 Speaker 2: such a special human being, like to go through what 334 00:16:07,120 --> 00:16:09,680 Speaker 2: you've gone through, but then to be saying, oh no, 335 00:16:09,760 --> 00:16:12,560 Speaker 2: I just really want to adapt a positive parenting style 336 00:16:12,640 --> 00:16:16,200 Speaker 2: that's really based on like therapeutic approaches. I'm like, you're 337 00:16:16,240 --> 00:16:19,680 Speaker 2: the person kids neat like I cannot wait to hear 338 00:16:20,000 --> 00:16:22,800 Speaker 2: about who joins your family. But I want to know 339 00:16:22,840 --> 00:16:25,840 Speaker 2: a bit more of the pervy financial stuff. Tell me 340 00:16:25,880 --> 00:16:28,920 Speaker 2: about investments. Do you have investments. I'm kind of assuming 341 00:16:28,960 --> 00:16:31,920 Speaker 2: you do if you have three houses, So tell me 342 00:16:31,960 --> 00:16:32,840 Speaker 2: a bit more about that. 343 00:16:33,440 --> 00:16:36,600 Speaker 5: Absolutely, So I had a property, Like I said to you, 344 00:16:36,840 --> 00:16:40,080 Speaker 5: I purchased my property at twenty nine for four hundred 345 00:16:40,120 --> 00:16:44,760 Speaker 5: thousand dollars. That property has been rented for the last 346 00:16:44,800 --> 00:16:47,800 Speaker 5: five years and is currently getting a five point eight 347 00:16:47,800 --> 00:16:49,120 Speaker 5: percent rental yield. 348 00:16:49,320 --> 00:16:53,120 Speaker 2: Oh very nice, not too bad, not too bad. I 349 00:16:53,240 --> 00:16:55,560 Speaker 2: like that you knew your rental yield as well. That's 350 00:16:55,720 --> 00:16:56,400 Speaker 2: very sexy. 351 00:16:56,520 --> 00:17:00,160 Speaker 5: Oh wow, thank you. And I was very lucky I 352 00:17:00,200 --> 00:17:04,239 Speaker 5: met my now husband. He also had his money and 353 00:17:04,280 --> 00:17:08,080 Speaker 5: finances together, so he had a property prior to meeting 354 00:17:08,080 --> 00:17:11,480 Speaker 5: myself as well that he paid two hundred and ninety 355 00:17:11,480 --> 00:17:14,200 Speaker 5: two thousand dollars for and it currently has a rental 356 00:17:14,240 --> 00:17:16,240 Speaker 5: yield or seven point six percent. 357 00:17:16,640 --> 00:17:20,359 Speaker 2: So yes, please. People are like, oh my gosh, so 358 00:17:20,440 --> 00:17:23,159 Speaker 2: I'm looking for a guy. He's taller than six for 359 00:17:23,560 --> 00:17:25,520 Speaker 2: you know, you need to have blue eyes, all of 360 00:17:25,560 --> 00:17:27,800 Speaker 2: these things. And I'm here like, so does he have 361 00:17:27,840 --> 00:17:28,919 Speaker 2: an emergency fund? 362 00:17:29,320 --> 00:17:29,399 Speaker 1: Like? 363 00:17:29,600 --> 00:17:33,640 Speaker 2: Is he into property? Like the things you find sexy? 364 00:17:34,760 --> 00:17:36,560 Speaker 2: Mnag just a little bit different. And I think that 365 00:17:36,600 --> 00:17:39,040 Speaker 2: you and I are on the same page. Those are 366 00:17:39,080 --> 00:17:41,240 Speaker 2: two properties that you had in Now I'm assuming you 367 00:17:41,280 --> 00:17:42,840 Speaker 2: have a property together. 368 00:17:43,480 --> 00:17:46,240 Speaker 4: He mauled it. Last year we finished a build. 369 00:17:46,280 --> 00:17:49,600 Speaker 5: It took over two years to build our first home together. 370 00:17:50,240 --> 00:17:53,480 Speaker 5: After seven years together, we're finally living in our own home. 371 00:17:53,760 --> 00:17:58,199 Speaker 5: This property purchase price was eight hundred and seventy thousand dollars, 372 00:17:58,200 --> 00:18:00,680 Speaker 5: but we actually paid forty percent upfront. 373 00:18:00,760 --> 00:18:02,480 Speaker 2: Oh my gosh, okay, money bags. 374 00:18:02,920 --> 00:18:05,760 Speaker 5: Yeah, so we were really lucky for five years to 375 00:18:05,880 --> 00:18:08,960 Speaker 5: rent off my in laws, who gave us a really 376 00:18:08,960 --> 00:18:12,960 Speaker 5: good price. They were happy. We were extremely happy and fortunate. 377 00:18:13,440 --> 00:18:16,280 Speaker 5: Didn't pay much rent for five years, and we saved 378 00:18:16,480 --> 00:18:18,520 Speaker 5: over three hundred thousand dollars in that time. 379 00:18:18,560 --> 00:18:20,960 Speaker 2: Oh my god. And then you were able to just 380 00:18:21,000 --> 00:18:23,920 Speaker 2: put that all towards your home, and so now you've 381 00:18:23,920 --> 00:18:27,360 Speaker 2: got really good equity in that home. But also I'm 382 00:18:27,359 --> 00:18:31,119 Speaker 2: missuming you're feeling pretty financially stable with that decision, because like, 383 00:18:31,440 --> 00:18:33,679 Speaker 2: eight hundred and seventy thousand dollars is a lot of 384 00:18:33,720 --> 00:18:35,919 Speaker 2: money to be spending on property. Was that something that 385 00:18:36,000 --> 00:18:38,760 Speaker 2: was daunting at the time, like or was that like, oh, 386 00:18:38,840 --> 00:18:40,560 Speaker 2: we're going to have to spend that. I don't know 387 00:18:40,600 --> 00:18:42,480 Speaker 2: where you live, so what does that look like? 388 00:18:43,200 --> 00:18:46,520 Speaker 5: It was risky because we brought off the plan Victoria 389 00:18:47,040 --> 00:18:47,480 Speaker 5: gave me. 390 00:18:47,680 --> 00:18:49,960 Speaker 2: It can be great, but if it doesn't exist and 391 00:18:49,960 --> 00:18:52,480 Speaker 2: you're asking for my life savings, like that's a lot 392 00:18:52,520 --> 00:18:53,439 Speaker 2: to ask of someone. 393 00:18:53,720 --> 00:18:55,600 Speaker 4: Yeah, we went down to the wire. 394 00:18:55,920 --> 00:18:59,960 Speaker 5: We put the deposit down ten percent in twenty twenty one, 395 00:19:00,680 --> 00:19:04,960 Speaker 5: come twenty twenty three, a year ago. The interest rates 396 00:19:05,040 --> 00:19:08,280 Speaker 5: obviously have gone crazy. So we were pre approved in 397 00:19:08,359 --> 00:19:12,200 Speaker 5: twenty twenty one for seven hundred thousand. Yep, in twenty 398 00:19:12,280 --> 00:19:16,679 Speaker 5: twenty three, they offered us five hundred thousand dollars on 399 00:19:16,720 --> 00:19:19,720 Speaker 5: a higher income under our current situation. 400 00:19:20,200 --> 00:19:22,720 Speaker 2: And that's so common at the moment, Like we're seeing 401 00:19:22,760 --> 00:19:25,440 Speaker 2: that at work a lot, like obviously for those of 402 00:19:25,480 --> 00:19:27,560 Speaker 2: you playing a long at home, I have a mortgage 403 00:19:27,560 --> 00:19:31,520 Speaker 2: broking business, but we see it often where people are like, oh, yep, 404 00:19:31,600 --> 00:19:34,040 Speaker 2: I just am gonna put my head down and save safe, 405 00:19:34,040 --> 00:19:36,320 Speaker 2: save for the next two years because I saw a broker, 406 00:19:36,480 --> 00:19:38,800 Speaker 2: And then we speak to them and they're like, no, no, no, 407 00:19:38,920 --> 00:19:41,280 Speaker 2: I was superved for much higher and you go, yeah, 408 00:19:41,359 --> 00:19:44,760 Speaker 2: but the interest rates have gone up, and unfortunately that's 409 00:19:44,800 --> 00:19:48,080 Speaker 2: not good for borrowing capacity. So what did that mean 410 00:19:48,119 --> 00:19:52,240 Speaker 2: for you guys? Obviously you had some very sexy savings, 411 00:19:52,400 --> 00:19:54,880 Speaker 2: But is that why you had to put forty percent down? 412 00:19:55,040 --> 00:19:57,679 Speaker 2: Was that maybe not a choice and more of a necessity. 413 00:19:57,720 --> 00:20:00,600 Speaker 5: We would have had to put about thirty five percent 414 00:20:00,680 --> 00:20:03,440 Speaker 5: down from memory, but we decided to just round it 415 00:20:03,520 --> 00:20:06,160 Speaker 5: up make it forty percent. We did leave ourselves around 416 00:20:06,240 --> 00:20:10,199 Speaker 5: eighty thousand dollars as a nest egg, after which we 417 00:20:10,200 --> 00:20:12,679 Speaker 5: were very fortunate that we had, but for me, that 418 00:20:12,800 --> 00:20:15,919 Speaker 5: still felt like we were taking majority of the money 419 00:20:15,920 --> 00:20:18,400 Speaker 5: that we had. And if you go back a year ago, 420 00:20:18,480 --> 00:20:22,280 Speaker 5: we were still doing IVF, So you're looking at very 421 00:20:22,520 --> 00:20:25,520 Speaker 5: high expenses in our life at the time. To leave 422 00:20:25,600 --> 00:20:28,880 Speaker 5: us with eighty thousand dollars meant maybe five or six 423 00:20:28,920 --> 00:20:33,119 Speaker 5: more rounds of IVF. And I never wanted our finances 424 00:20:33,160 --> 00:20:36,720 Speaker 5: to impact the decision. I wanted to finish IVF when 425 00:20:36,840 --> 00:20:39,600 Speaker 5: we were ready, not because of a financial choice. 426 00:20:39,960 --> 00:20:43,640 Speaker 2: Yeah, and that must be really common. I haven't been 427 00:20:43,680 --> 00:20:46,320 Speaker 2: through that process, but know a lot of people who have, 428 00:20:46,680 --> 00:20:49,960 Speaker 2: and the financial pressure. You know, at the end of 429 00:20:50,000 --> 00:20:53,639 Speaker 2: the day, obviously I'm all about saving and investing, but 430 00:20:54,080 --> 00:20:57,959 Speaker 2: if having a child is the most valuable thing to you, 431 00:20:58,760 --> 00:21:01,520 Speaker 2: money comes back. Like I feel like so many times 432 00:21:01,520 --> 00:21:03,480 Speaker 2: people are like, oh, but it's so expensive, and it's 433 00:21:03,560 --> 00:21:07,040 Speaker 2: just a different conversation than saving for your first home. 434 00:21:07,080 --> 00:21:11,040 Speaker 2: It's a different conversation than you know, having an emergency fund. 435 00:21:11,119 --> 00:21:14,440 Speaker 2: For a lot of people, especially women, there's a time 436 00:21:14,520 --> 00:21:17,080 Speaker 2: on it as well, Like there's you know, a period 437 00:21:17,119 --> 00:21:19,560 Speaker 2: of time where you know, the older you get, the 438 00:21:19,640 --> 00:21:22,280 Speaker 2: more they say, look, your chances are going to be lower, 439 00:21:22,400 --> 00:21:24,840 Speaker 2: And it's wild to think that that's what we have 440 00:21:24,920 --> 00:21:27,919 Speaker 2: to deal with. But I feel like, I love that 441 00:21:28,000 --> 00:21:30,680 Speaker 2: you didn't have to make that decision because of finances, 442 00:21:30,760 --> 00:21:32,760 Speaker 2: because there's not going to be that level of regret 443 00:21:32,800 --> 00:21:34,760 Speaker 2: in the future, right, It's not going to be like 444 00:21:35,040 --> 00:21:38,159 Speaker 2: if we only had managed to scrape together Xyz, we 445 00:21:38,240 --> 00:21:41,480 Speaker 2: maybe could have. Like, I feel like I love that 446 00:21:41,560 --> 00:21:44,840 Speaker 2: it's a conscious decision to move forward in that journey. 447 00:21:45,240 --> 00:21:46,560 Speaker 2: Was that a long time coming? 448 00:21:47,080 --> 00:21:49,680 Speaker 5: I would say after I think round eight we had 449 00:21:49,680 --> 00:21:53,399 Speaker 5: a really successful round and was the six embryos, so 450 00:21:53,880 --> 00:21:54,680 Speaker 5: that gave us hope. 451 00:21:54,720 --> 00:21:54,960 Speaker 4: Again. 452 00:21:55,160 --> 00:21:58,840 Speaker 5: It's a rollercoaster of emotions. You think, oh, this is 453 00:21:58,840 --> 00:22:01,400 Speaker 5: going to work, and then you go or no. At 454 00:22:01,400 --> 00:22:04,159 Speaker 5: the time, I had no medical reason to why I 455 00:22:04,240 --> 00:22:05,280 Speaker 5: wasn't falling pregnant. 456 00:22:05,440 --> 00:22:08,359 Speaker 4: So I actually sat. 457 00:22:08,119 --> 00:22:11,119 Speaker 5: There one day and decided that I'm never going to 458 00:22:11,160 --> 00:22:15,480 Speaker 5: make the decision to end my fertility journey from my heart, 459 00:22:15,560 --> 00:22:18,119 Speaker 5: it's never going to happen. I had to make the 460 00:22:18,160 --> 00:22:22,160 Speaker 5: decision from my head. It was time. It was heartbreaking, 461 00:22:23,040 --> 00:22:26,639 Speaker 5: Like you said, I had to exhaust every option possible. 462 00:22:26,840 --> 00:22:29,200 Speaker 5: I had to make a decision that wasn't just about 463 00:22:29,280 --> 00:22:33,439 Speaker 5: finances or anything like that to be able to be 464 00:22:33,560 --> 00:22:35,760 Speaker 5: okay in my conscious and to be able to heal 465 00:22:35,840 --> 00:22:36,359 Speaker 5: from that. 466 00:22:36,760 --> 00:22:38,480 Speaker 4: Because that will always be a part of me. 467 00:22:39,200 --> 00:22:42,199 Speaker 5: Only three weeks ago, I made the step for my 468 00:22:42,240 --> 00:22:45,960 Speaker 5: personal health of having a hysterectomy. So I will never 469 00:22:46,680 --> 00:22:52,320 Speaker 5: be birthing my child. I will never breastfeed. That's something 470 00:22:52,359 --> 00:22:55,840 Speaker 5: that I will never be able to let go of. 471 00:22:56,680 --> 00:23:04,359 Speaker 4: But I know I'll be an amazing someone else's child 472 00:23:05,040 --> 00:23:08,320 Speaker 4: that they're not able to be a mother. Just know what. 473 00:23:09,119 --> 00:23:14,359 Speaker 4: That's the thing you've got to decide, and it's really hard. 474 00:23:15,080 --> 00:23:17,399 Speaker 2: I am so proud of you. You're going to make 475 00:23:17,440 --> 00:23:20,280 Speaker 2: me cry. I'm going to break. Like I told you 476 00:23:20,359 --> 00:23:23,840 Speaker 2: earlier that you were a really social human and like 477 00:23:24,000 --> 00:23:26,120 Speaker 2: I just feel like the right kid is coming your way. 478 00:23:26,400 --> 00:23:28,960 Speaker 2: Like it all all makes sense. And it doesn't often 479 00:23:29,080 --> 00:23:32,359 Speaker 2: help to share stories about other people going through the 480 00:23:32,440 --> 00:23:35,639 Speaker 2: situation because everybody's journey is different. But one of my 481 00:23:35,680 --> 00:23:39,000 Speaker 2: girlfriends has been through more than thirty rounds of IVF 482 00:23:39,480 --> 00:23:43,560 Speaker 2: and she ended up having a baby, which is wild, 483 00:23:44,600 --> 00:23:48,320 Speaker 2: and we always talk about how it was always him 484 00:23:48,359 --> 00:23:51,399 Speaker 2: like it was always meant to be him, and it 485 00:23:51,440 --> 00:23:53,399 Speaker 2: was never meant to be anybody else. And when they 486 00:23:53,440 --> 00:23:57,600 Speaker 2: come along, you finally realize that that's who was coming 487 00:23:57,640 --> 00:23:59,520 Speaker 2: for you. And I just know that's coming for you. 488 00:24:00,280 --> 00:24:01,760 Speaker 2: They're going to turn up one day and you'll be like, 489 00:24:01,840 --> 00:24:05,040 Speaker 2: of course it's you. Of course, Like this is why 490 00:24:05,040 --> 00:24:07,600 Speaker 2: I went through that, And like as much as it 491 00:24:07,640 --> 00:24:10,680 Speaker 2: doesn't help, or I don't think it helps to share 492 00:24:10,720 --> 00:24:14,480 Speaker 2: stories of other people, just this idea that that's the 493 00:24:14,600 --> 00:24:17,800 Speaker 2: feeling when it does finally happen, I feel like that 494 00:24:17,920 --> 00:24:19,960 Speaker 2: keeps the light at the end of the tunnel burning 495 00:24:20,119 --> 00:24:23,960 Speaker 2: and open and there for you because like, oh, you're 496 00:24:23,960 --> 00:24:25,960 Speaker 2: going to be the best mum, like you already are, 497 00:24:26,160 --> 00:24:28,000 Speaker 2: like look at you go. I love this. 498 00:24:28,440 --> 00:24:29,160 Speaker 4: Yeah, thank you. 499 00:24:29,440 --> 00:24:31,200 Speaker 2: Back to money for a little bit. I want to 500 00:24:31,240 --> 00:24:33,600 Speaker 2: know a bit more about debt, because like, thankfully we 501 00:24:33,640 --> 00:24:37,320 Speaker 2: know that you're in a financially stable position. Before we 502 00:24:37,400 --> 00:24:40,920 Speaker 2: heard that you already have three homes. One was four 503 00:24:41,000 --> 00:24:43,600 Speaker 2: hundred thousand. Your husband bought a home for two hundred 504 00:24:43,600 --> 00:24:46,080 Speaker 2: and ninety two thousand, and you've obviously got the eight 505 00:24:46,200 --> 00:24:48,800 Speaker 2: hundred and seventy thousand one that you paid forty percent 506 00:24:49,000 --> 00:24:52,600 Speaker 2: for what do the debts on those properties look like 507 00:24:52,680 --> 00:24:53,280 Speaker 2: at the moment. 508 00:24:53,640 --> 00:24:56,600 Speaker 5: So our current principal home is four hundred and seventy 509 00:24:56,640 --> 00:25:00,520 Speaker 5: thousand dollar alone, Mm hmm. Then we've still got around 510 00:25:00,560 --> 00:25:04,760 Speaker 5: two hundred thousand dollars on my husband's property, and still 511 00:25:04,800 --> 00:25:08,600 Speaker 5: the full amount of four hundred thousand dollars on my property, 512 00:25:08,720 --> 00:25:10,840 Speaker 5: just purely because I have tapped into that a couple 513 00:25:10,880 --> 00:25:14,480 Speaker 5: of times and withdrawn some money from. So we're looking 514 00:25:14,520 --> 00:25:16,920 Speaker 5: at I think it's one point one or just under 515 00:25:16,960 --> 00:25:18,760 Speaker 5: that in debt in total. 516 00:25:19,040 --> 00:25:22,120 Speaker 2: And is this something that stresses you out? I feel 517 00:25:22,160 --> 00:25:25,159 Speaker 2: like a lot of people they go a million dollars 518 00:25:25,240 --> 00:25:28,040 Speaker 2: in debt, that's wild. Obviously they're assets, so to me, 519 00:25:28,280 --> 00:25:31,040 Speaker 2: it's quite pragmatic. But how do you feel about that 520 00:25:31,080 --> 00:25:32,680 Speaker 2: when you calculate it all up? 521 00:25:33,240 --> 00:25:35,120 Speaker 4: I don't feel stressed about money. 522 00:25:35,320 --> 00:25:38,639 Speaker 5: I never have because I've always found a way to 523 00:25:38,840 --> 00:25:43,160 Speaker 5: earn money. I've always found a way looking for supplementary income. 524 00:25:43,760 --> 00:25:45,720 Speaker 4: I've never been without a job. 525 00:25:45,840 --> 00:25:48,560 Speaker 5: I've been made redundant twice and I found a job 526 00:25:48,600 --> 00:25:49,840 Speaker 5: within six weeks. 527 00:25:49,680 --> 00:25:53,920 Speaker 2: Twice twice twice? How did that not come up earlier? 528 00:25:54,040 --> 00:25:58,000 Speaker 2: That is being here with the rootstick like, are you joking? Twice? 529 00:25:58,080 --> 00:25:59,080 Speaker 2: How does that happen? 530 00:26:00,119 --> 00:26:03,199 Speaker 5: Mainly covid Once was March of twenty twenty, and then 531 00:26:03,240 --> 00:26:06,119 Speaker 5: it was again in twenty twenty one, and through that 532 00:26:06,240 --> 00:26:09,400 Speaker 5: time I worked at Centerlink. I tried to go and 533 00:26:09,440 --> 00:26:11,600 Speaker 5: center Link for the first time of my life and 534 00:26:11,680 --> 00:26:14,320 Speaker 5: they called me and said, do you want a job instead? 535 00:26:14,560 --> 00:26:17,240 Speaker 2: You're yes, slave, I'll do that. 536 00:26:17,800 --> 00:26:19,159 Speaker 4: What am I doing at Centilink? 537 00:26:19,240 --> 00:26:21,120 Speaker 2: So I didn't even know that was possible. 538 00:26:22,200 --> 00:26:24,000 Speaker 4: I didn't either. I think it was a prank call. 539 00:26:25,560 --> 00:26:27,640 Speaker 2: You're like, hey, can I have Sentlink? And They're like, no, 540 00:26:27,720 --> 00:26:28,440 Speaker 2: do you want a job? 541 00:26:29,960 --> 00:26:32,160 Speaker 4: I'm like, that seems like it pays more. I'll take that. 542 00:26:32,560 --> 00:26:35,040 Speaker 4: I would take that too, absolutely. 543 00:26:35,359 --> 00:26:39,040 Speaker 5: So for me, money isn't something that I worry about. Victoria, 544 00:26:39,280 --> 00:26:41,560 Speaker 5: I loved being a beauty therapist. I'll go and be 545 00:26:41,600 --> 00:26:44,240 Speaker 5: a beauty therapist again. If I need to be, I'll 546 00:26:44,320 --> 00:26:47,199 Speaker 5: do whatever. I'll plan toilets. I don't care what I 547 00:26:47,240 --> 00:26:50,240 Speaker 5: have to do. We have got that privilege of two properties. 548 00:26:50,320 --> 00:26:53,120 Speaker 5: I will just sell one. They're both making really good 549 00:26:53,280 --> 00:26:56,080 Speaker 5: rental return at the moment, So for the now, I 550 00:26:56,119 --> 00:26:58,320 Speaker 5: just want to keep sitting on it until there comes 551 00:26:58,320 --> 00:27:01,480 Speaker 5: a time that we even need it, or those areas 552 00:27:01,600 --> 00:27:04,239 Speaker 5: grow to a point that the profit is just too 553 00:27:04,320 --> 00:27:06,280 Speaker 5: good to take up, I supposing we'll sell them. 554 00:27:06,680 --> 00:27:08,879 Speaker 2: I love this mentality. I feel like you have a 555 00:27:08,920 --> 00:27:13,080 Speaker 2: really healthy mindset around money. Do you think that comes 556 00:27:13,119 --> 00:27:15,479 Speaker 2: from your money story or do you think that comes 557 00:27:15,480 --> 00:27:18,240 Speaker 2: from somewhere else? Or like, how do I step further 558 00:27:18,320 --> 00:27:22,120 Speaker 2: into this? Money doesn't stress me? Vibe because even though 559 00:27:22,160 --> 00:27:25,760 Speaker 2: I should be relatively stress free around money, like money 560 00:27:25,760 --> 00:27:28,919 Speaker 2: still gives me anxiety. Like money still stresses me out? 561 00:27:29,080 --> 00:27:31,199 Speaker 2: So how do I step more into that? Because that 562 00:27:31,280 --> 00:27:32,080 Speaker 2: sounds pretty good? 563 00:27:32,600 --> 00:27:35,160 Speaker 4: This is going to sound wrong to say on your podcast. 564 00:27:35,280 --> 00:27:36,480 Speaker 4: It's not that important to me. 565 00:27:36,920 --> 00:27:39,360 Speaker 2: Yeah, good and no, that's absolutely not wrong to say 566 00:27:39,400 --> 00:27:40,200 Speaker 2: on my podcast. 567 00:27:40,520 --> 00:27:43,840 Speaker 5: I believe I need money in order to provide the 568 00:27:43,840 --> 00:27:46,200 Speaker 5: future that I want and the future that I need, 569 00:27:46,800 --> 00:27:51,919 Speaker 5: But it's not my happiness. My happiness is within my life, 570 00:27:52,080 --> 00:27:55,560 Speaker 5: my family, my dogs, That's what my focus is always 571 00:27:55,560 --> 00:27:58,400 Speaker 5: going to be on. So for me, I guess I've 572 00:27:58,400 --> 00:28:00,840 Speaker 5: never had to struggle too much with money either. And 573 00:28:00,920 --> 00:28:04,560 Speaker 5: when I did, like I said, I did something about it. 574 00:28:04,680 --> 00:28:07,479 Speaker 5: I was not going to allow myself to be fin 575 00:28:07,560 --> 00:28:12,680 Speaker 5: financially backwards, so it's just not a priority. I put 576 00:28:12,720 --> 00:28:15,359 Speaker 5: time and effort into it, but it's not important to 577 00:28:15,400 --> 00:28:16,000 Speaker 5: me in that way. 578 00:28:16,359 --> 00:28:18,879 Speaker 2: I love that, and I feel like that is definitely 579 00:28:19,800 --> 00:28:22,920 Speaker 2: a reality check because you're right, it's not that important 580 00:28:22,920 --> 00:28:24,600 Speaker 2: in the grand scheme of things. There are so many 581 00:28:24,640 --> 00:28:28,200 Speaker 2: things that are so much more important than money. So 582 00:28:28,400 --> 00:28:30,080 Speaker 2: tell me. I feel like you probably have some good 583 00:28:30,080 --> 00:28:33,680 Speaker 2: money habits despite not caring too much about it. What 584 00:28:33,760 --> 00:28:35,760 Speaker 2: do you think is your best money habit. 585 00:28:36,119 --> 00:28:37,800 Speaker 4: My husband's actually an accountant, so. 586 00:28:38,160 --> 00:28:41,160 Speaker 2: Okay, money win. So he was really financially literate. He 587 00:28:41,200 --> 00:28:43,240 Speaker 2: came with a property, he liked investing, and then he 588 00:28:43,360 --> 00:28:44,600 Speaker 2: was an accountant okay slave. 589 00:28:44,800 --> 00:28:47,920 Speaker 5: So my best money habit was letting go on a 590 00:28:47,960 --> 00:28:50,080 Speaker 5: lot of the stress of money and putting it on 591 00:28:50,160 --> 00:28:50,760 Speaker 5: his shoulders. 592 00:28:50,840 --> 00:28:52,080 Speaker 4: And he loves that. 593 00:28:52,280 --> 00:28:55,440 Speaker 5: He does the spreadsheets and he organizes it. I just 594 00:28:55,600 --> 00:28:57,520 Speaker 5: ask him if I if we've got enough money for 595 00:28:57,560 --> 00:29:00,600 Speaker 5: me to spend this or that. We discuss our big 596 00:29:00,640 --> 00:29:03,840 Speaker 5: finances together, but outside that, I have no stress. 597 00:29:04,040 --> 00:29:06,400 Speaker 2: You're just like, this is great, he can do it. 598 00:29:06,400 --> 00:29:07,080 Speaker 4: It's so great. 599 00:29:07,440 --> 00:29:09,120 Speaker 5: We sit down once a week and we have a 600 00:29:09,160 --> 00:29:12,440 Speaker 5: financial chat about where things are at, where the goals. 601 00:29:12,200 --> 00:29:14,400 Speaker 2: Once a week every week. How do you do that? 602 00:29:14,640 --> 00:29:16,960 Speaker 2: Do you schedule it? Is this like a proper day 603 00:29:17,400 --> 00:29:18,240 Speaker 2: in accountant? 604 00:29:18,520 --> 00:29:19,760 Speaker 4: Have you met an accountant? 605 00:29:19,840 --> 00:29:22,160 Speaker 2: Yeah, my dad's an accountant, But I never saw my 606 00:29:22,280 --> 00:29:25,160 Speaker 2: parents doing money dates, So like, is this something that 607 00:29:25,200 --> 00:29:26,080 Speaker 2: I've missed out on? 608 00:29:26,440 --> 00:29:28,440 Speaker 4: We don't just do a money day, Victoria. We do 609 00:29:28,560 --> 00:29:30,760 Speaker 4: a relationship check in once a week. 610 00:29:31,120 --> 00:29:32,880 Speaker 2: I feel like I need to know so much more. 611 00:29:33,080 --> 00:29:35,040 Speaker 2: Like this podcast, I was coming towards the end and 612 00:29:35,080 --> 00:29:36,000 Speaker 2: I'm just not now. 613 00:29:36,840 --> 00:29:38,360 Speaker 4: So we check in on our week. 614 00:29:38,680 --> 00:29:41,360 Speaker 5: We talk about our hopes and dreams, we talk about 615 00:29:41,560 --> 00:29:46,360 Speaker 5: our future child, we talk about if there's any ingrieviances 616 00:29:46,400 --> 00:29:48,200 Speaker 5: that we've had with each other that we need to 617 00:29:48,240 --> 00:29:52,160 Speaker 5: talk out in a nice, comfortable way that we don't judge. 618 00:29:52,240 --> 00:29:56,280 Speaker 5: And we spend that time together to invest like you 619 00:29:56,320 --> 00:29:59,200 Speaker 5: do in your workplace or your co workers know you 620 00:29:59,320 --> 00:30:02,760 Speaker 5: check in, So we spend that time usually in a bath, 621 00:30:03,160 --> 00:30:06,640 Speaker 5: or go for a walk, or we'll just do something together. 622 00:30:07,040 --> 00:30:10,920 Speaker 2: I love this so much, Like I'm low key really jealous, 623 00:30:11,280 --> 00:30:13,280 Speaker 2: Like I don't have that, and I'm going to go 624 00:30:13,320 --> 00:30:15,200 Speaker 2: home and be like, so Steve, if I was thinking, 625 00:30:15,760 --> 00:30:17,800 Speaker 2: because that just sounds really damn healthy. 626 00:30:18,920 --> 00:30:19,840 Speaker 4: It is healthy. 627 00:30:19,960 --> 00:30:23,400 Speaker 5: We find we don't bicker as much and we understand 628 00:30:23,440 --> 00:30:26,080 Speaker 5: each other. You know, I quite often look up little 629 00:30:26,120 --> 00:30:28,760 Speaker 5: scenarios and I say, so, what are you going to 630 00:30:28,840 --> 00:30:31,000 Speaker 5: do if our child has a tantrum in the toilet 631 00:30:31,040 --> 00:30:32,160 Speaker 5: and won't come out and he goes? 632 00:30:32,240 --> 00:30:34,239 Speaker 4: I don't know, so let's work it out. What are 633 00:30:34,240 --> 00:30:36,320 Speaker 4: we going to do? Let's like prepare ourselves. 634 00:30:36,400 --> 00:30:38,760 Speaker 2: I literally do the same thing. So that's not the 635 00:30:38,800 --> 00:30:41,600 Speaker 2: type of relationship check in. But I make up scenarios 636 00:30:41,600 --> 00:30:43,600 Speaker 2: in my head and then I'm like, so, Steve, what if? 637 00:30:44,360 --> 00:30:46,240 Speaker 2: And then he is like, well, I would do X, 638 00:30:46,320 --> 00:30:48,560 Speaker 2: Y Z. And I'm like, but why why wouldn't you 639 00:30:48,600 --> 00:30:51,040 Speaker 2: do this other thing? Because I recently learned because I 640 00:30:51,080 --> 00:30:53,800 Speaker 2: read every parenting book under the sun, Like, but what 641 00:30:53,880 --> 00:30:56,240 Speaker 2: about this? Like that's not very gentle parenting of you? 642 00:30:56,320 --> 00:31:00,080 Speaker 2: As a Often it's would you still love me? I 643 00:31:00,120 --> 00:31:01,160 Speaker 2: follows a worm? 644 00:31:01,320 --> 00:31:03,680 Speaker 4: But yes, that's a good one. 645 00:31:03,920 --> 00:31:06,200 Speaker 2: Yeah, Like, I mean it can start there. This feels 646 00:31:06,920 --> 00:31:09,959 Speaker 2: like I'm taking it from being healthy to being novel. 647 00:31:10,240 --> 00:31:12,239 Speaker 2: But you know what, I've got to start somewhere. So 648 00:31:12,600 --> 00:31:14,840 Speaker 2: it's a good idea. It's a great idea. I mean 649 00:31:15,200 --> 00:31:17,080 Speaker 2: I don't even want to ask the next question because 650 00:31:17,120 --> 00:31:19,080 Speaker 2: I feel like I'm ruining the mood. But do you 651 00:31:19,080 --> 00:31:20,480 Speaker 2: have any bad money habits? 652 00:31:20,920 --> 00:31:25,080 Speaker 5: Definitely, my biggest money bad habit would have to be 653 00:31:25,520 --> 00:31:27,720 Speaker 5: buying food on the road because of my job. 654 00:31:28,160 --> 00:31:31,160 Speaker 4: It's just so tempting. I'll pack a nice sandwich and. 655 00:31:31,080 --> 00:31:35,520 Speaker 5: Then I'm like, oh, but there's snits or something looks 656 00:31:35,600 --> 00:31:36,960 Speaker 5: yummy and tasty. 657 00:31:36,720 --> 00:31:40,960 Speaker 2: Chips at Schnitz are definitely worth it. So tell me 658 00:31:41,000 --> 00:31:42,840 Speaker 2: a little bit more about how you manage for that. 659 00:31:42,960 --> 00:31:45,120 Speaker 2: Is that something that's in the weekly budget, Like is 660 00:31:45,120 --> 00:31:46,800 Speaker 2: that something that you sit down with your husband and 661 00:31:46,880 --> 00:31:48,920 Speaker 2: it's allocated for or is that something that you're like, 662 00:31:48,920 --> 00:31:51,320 Speaker 2: oh my gosh. Be like when I say that I 663 00:31:51,400 --> 00:31:53,920 Speaker 2: buy food on the road, it blows our budget out completely, 664 00:31:53,960 --> 00:31:55,440 Speaker 2: Like what does that actually look like? 665 00:31:56,720 --> 00:31:58,480 Speaker 4: I'd say more the second one be but. 666 00:31:58,520 --> 00:32:00,360 Speaker 2: You don't niggle because you checked in it every week 667 00:32:00,360 --> 00:32:01,280 Speaker 2: about it, so it's fine. 668 00:32:01,680 --> 00:32:04,280 Speaker 5: Absolutely, Yeah, we talk about it and have you were safe? 669 00:32:04,760 --> 00:32:07,000 Speaker 5: You didn't bring your lunch a couple of times this week? 670 00:32:07,160 --> 00:32:09,760 Speaker 5: Or he'll say do you want to make your lunch 671 00:32:09,800 --> 00:32:12,080 Speaker 5: for tomorrow? I'm like, yep, that's a little check in 672 00:32:12,200 --> 00:32:14,479 Speaker 5: a little subtle, like you've done it a few times 673 00:32:14,480 --> 00:32:17,080 Speaker 5: this week sometimes like uh, yes, that's how it's going 674 00:32:17,160 --> 00:32:18,880 Speaker 5: to be this week. It's been one of those weeks, 675 00:32:18,880 --> 00:32:20,600 Speaker 5: and he's like, Okay, no worries. 676 00:32:20,680 --> 00:32:22,920 Speaker 2: He does it in the same way someone might offer 677 00:32:22,960 --> 00:32:25,720 Speaker 2: you a mint and you're like, I probably should take 678 00:32:25,760 --> 00:32:26,160 Speaker 2: the mint. 679 00:32:27,240 --> 00:32:28,640 Speaker 4: You probably should take the mint. 680 00:32:29,240 --> 00:32:31,600 Speaker 2: I love that. Oh my gosh. At the start of 681 00:32:31,640 --> 00:32:35,440 Speaker 2: this episode, you told us you're a bee, But come on, 682 00:32:36,000 --> 00:32:39,880 Speaker 2: I feel like after learning about you three houses, your 683 00:32:39,880 --> 00:32:44,440 Speaker 2: head screwed on weekly not monthly, weekly money and life 684 00:32:44,520 --> 00:32:48,360 Speaker 2: check ins with your husband having a full plan around 685 00:32:48,480 --> 00:32:50,600 Speaker 2: you know what the rest of your life is going 686 00:32:50,640 --> 00:32:53,320 Speaker 2: to look like. I just feel like Bee's maybe not 687 00:32:53,440 --> 00:32:57,360 Speaker 2: that accurate. So tell me after having this chat, is 688 00:32:57,400 --> 00:32:59,280 Speaker 2: A be accurate? If so? Why? 689 00:32:59,680 --> 00:33:00,200 Speaker 1: If not? 690 00:33:00,440 --> 00:33:04,280 Speaker 2: What is your new money score and what would it 691 00:33:04,320 --> 00:33:06,320 Speaker 2: take to get to an A plus? Like what would 692 00:33:06,320 --> 00:33:07,360 Speaker 2: you have to change? 693 00:33:07,680 --> 00:33:09,840 Speaker 4: Maybe a B plus? 694 00:33:10,120 --> 00:33:13,600 Speaker 5: Maybe how could increase it slightly after I chat to 695 00:33:13,640 --> 00:33:15,640 Speaker 5: bring it to an A. I'm not sure what else 696 00:33:15,720 --> 00:33:18,320 Speaker 5: I really want from my money story in that sense 697 00:33:18,360 --> 00:33:20,560 Speaker 5: of what else I need, But I just always think 698 00:33:20,560 --> 00:33:22,400 Speaker 5: you've got to leave a little bit of room for improvement, 699 00:33:22,480 --> 00:33:23,960 Speaker 5: victoria and evolution. 700 00:33:24,200 --> 00:33:25,240 Speaker 4: Never know where it's going to go. 701 00:33:25,640 --> 00:33:25,800 Speaker 1: Yeah. 702 00:33:25,840 --> 00:33:28,200 Speaker 2: See, I'm a perfectionist, so whenever I got a B 703 00:33:28,280 --> 00:33:30,400 Speaker 2: plus on something, I would just rip up the paper 704 00:33:30,440 --> 00:33:32,880 Speaker 2: and be really frustrated at it because it wasn't what 705 00:33:32,920 --> 00:33:36,360 Speaker 2: I wanted. But I feel like having room for growth 706 00:33:36,480 --> 00:33:39,200 Speaker 2: is important. But I also feel like you are probably 707 00:33:39,280 --> 00:33:42,520 Speaker 2: one of the most grown money humans I've ever met. 708 00:33:42,600 --> 00:33:44,480 Speaker 2: You just have your head screwed on. You know what 709 00:33:44,520 --> 00:33:47,040 Speaker 2: you want. You know that money is important, but it's 710 00:33:47,080 --> 00:33:49,320 Speaker 2: not that important, And I think that that's a lesson 711 00:33:49,320 --> 00:33:51,320 Speaker 2: that we all need to learn, Like money is not 712 00:33:51,400 --> 00:33:53,920 Speaker 2: the be all end all. It's important, it is the 713 00:33:53,960 --> 00:33:56,959 Speaker 2: thing that makes the world go around, but it's not 714 00:33:57,520 --> 00:34:01,120 Speaker 2: the thing that makes life fulfilling, right, And this money Diary, 715 00:34:01,160 --> 00:34:05,360 Speaker 2: I think has really reminded me and hopefully everyone listening 716 00:34:05,920 --> 00:34:08,640 Speaker 2: of that. Honestly, it's so special to have shared what 717 00:34:08,680 --> 00:34:11,560 Speaker 2: you've shared with us. I love it. I'm really sad 718 00:34:11,560 --> 00:34:13,560 Speaker 2: that this is all we have time for today because 719 00:34:13,680 --> 00:34:17,240 Speaker 2: it's been honestly a privilege to share the last hour 720 00:34:17,320 --> 00:34:19,680 Speaker 2: with you, hanging out having a chat. But I just 721 00:34:19,760 --> 00:34:23,400 Speaker 2: know this community is going to adore what you've shared 722 00:34:23,560 --> 00:34:25,879 Speaker 2: because it's just been so open and honest and raw 723 00:34:26,040 --> 00:34:28,239 Speaker 2: and also just real and also I really want to 724 00:34:28,280 --> 00:34:32,000 Speaker 2: do money dates like that though, like not boring ones. Yeah, 725 00:34:32,080 --> 00:34:35,280 Speaker 2: not boring ones, not boring ones. So thank you so much. 726 00:34:35,400 --> 00:34:36,719 Speaker 2: I've absolutely loved this. 727 00:34:37,080 --> 00:34:42,120 Speaker 4: Thank you, Victoria. 728 00:34:44,400 --> 00:34:46,960 Speaker 2: The advice shared on She's on the Money is general 729 00:34:47,000 --> 00:34:50,880 Speaker 2: in nature and does not consider your individual circumstances. She's 730 00:34:50,920 --> 00:34:54,320 Speaker 2: on the Money exists purely for educational purposes and should 731 00:34:54,400 --> 00:34:57,560 Speaker 2: not be relied upon to make an investment or financial decision. 732 00:34:57,960 --> 00:35:00,439 Speaker 2: If you do choose to buy a financial product, read 733 00:35:00,440 --> 00:35:04,560 Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards 734 00:35:04,600 --> 00:35:07,879 Speaker 2: your needs. Victoria, Divine and She's on the Money are 735 00:35:07,920 --> 00:35:11,279 Speaker 2: authorized representatives of Money. Sheper P T y L t 736 00:35:11,440 --> 00:35:14,200 Speaker 2: D A b N three two one six four nine 737 00:35:14,320 --> 00:35:17,279 Speaker 2: two seven seven zero eight A F S L four 738 00:35:17,360 --> 00:35:20,960 Speaker 2: five one two eight nine