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Speaker 1: Hello.

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Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud your the

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Speaker 2: Order Kerni Whalbury and a waddery woman. And before we

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Speaker 2: get started on She's on the Money podcast, I would

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Speaker 2: like to acknowledge the traditional custodians of the land of

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Speaker 2: which this podcast is recorded on a wondery country, acknowledging

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Speaker 2: the elders, the ancestors and the next generation coming through

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Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and

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Speaker 2: the storytelling of you to make a difference for today

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Speaker 2: and lasting impact for tomorrow.

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Speaker 1: 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 4: Hello, and welcome to She's on the Money the podcast

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Speaker 4: Millennials who want financial freedom. Welcome back to another shop

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Speaker 4: back Money Diary Monday, where we get to chat to

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Speaker 4: a community member to learn all about them and their

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Speaker 4: finances and all of the fun bits and pieces in between. Victoria, I, Hello,

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Speaker 4: I have a story today that I think is going

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Speaker 4: to tug on the heart strings a little bit. Do

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Speaker 4: you want to hear it?

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Speaker 5: Of course I do. Let's go our diarys.

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Speaker 4: Says my husband and I spent one hundred thousand dollars

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Speaker 4: on IVF and despite that, have managed to purchase a

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Speaker 4: house and trim down our debt and we now have

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Speaker 4: three beautiful kids and an emergency fund. Growing up, my

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Speaker 4: parents never spoke about money, so I thought everyone struggled.

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Speaker 4: My husband's money story is very different. We have monthly

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Speaker 4: meetings where we talk about the nitty gritty of our finances.

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Speaker 4: It is not a date night, but an actual meeting,

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Speaker 4: and this communication is super important.

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Speaker 5: Oh my gosh. Yes, I am somewhat.

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Speaker 4: New to the podcast, finding it when I was looking

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Speaker 4: to get ahead of my debt due to IVF and

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Speaker 4: have spent three months bringing the show. It shook me

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Speaker 4: how inspiring the pot is and it has changed my life.

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Speaker 5: Oh my god, what a queen.

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Speaker 1: I lovely.

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Speaker 5: I'm not gonna lie money diarist. I did enjoy that.

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Speaker 5: It is not a date night, subtle dig like, okay,

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Speaker 5: I see you.

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Speaker 1: It is one hundred percent not a date night. We

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Speaker 1: have date nights, but there's no spreadsheets on date nights.

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Speaker 5: No, I get that. Oh my gosh, I cannot wait

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Speaker 5: to hear more about your money diary. Are you ready

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Speaker 5: to just kick it off?

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Speaker 1: Sure?

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Speaker 5: I am all right. Let's go first question as always,

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Speaker 5: I want to know more about your money story. Please elaborate.

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Speaker 1: So when we were growing up up, it was never

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Speaker 1: spoken about. It was never argued about, like it just

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Speaker 1: it never came up. And it was the oddest thing.

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Speaker 1: When I met my husband then who or even other

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Speaker 1: people in that you know, mid twenties sort of realm

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Speaker 1: where people sort of started being quite open about money.

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Speaker 1: I was like, Oh, is this is this something we're

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Speaker 1: allowed to talk about?

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Speaker 5: Hmm.

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Speaker 1: Not because it wasn't hidden or anything like that. It

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Speaker 1: was just sort of not spoken. And I remember just

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Speaker 1: a couple of years ago, I was talking to my

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Speaker 1: mum and she said, oh, you know, your sister, she's

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Speaker 1: just like your dad was with money. I was like,

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Speaker 1: what was that? That means nothing. That is not a

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Speaker 1: good reference point. And so I suppose maybe we were

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Speaker 1: shielled a little bit from it. But as we got older,

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Speaker 1: we were sort of told, oh, you know, mum looked

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Speaker 1: after the money because you know, Dad wasn't bad with money,

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Speaker 1: He just had no concept of like budgeting or tracking money.

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Speaker 1: So I didn't know that until I was in my thirties.

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Speaker 1: My husband, however, is a very different money story. They're

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Speaker 1: very open with money. They talk about it all the time.

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Speaker 1: They talk about budget and finance as though you'd talk

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Speaker 1: about probably anything else. So when I met him and

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Speaker 1: we started talking about it openly, I did, to be fair,

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Speaker 1: I did sort of lean in. Initially. There was a

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Speaker 1: lot of oh, well, we don't really talk about that.

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Speaker 1: But I remember there's this one pivotal moment we wanted

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Speaker 1: to go on a date. We just started dating, maybe

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Speaker 1: six months prior, and I was like, oh, I don't

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Speaker 1: really have that in my budget, and he's like, oh,

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Speaker 1: well that's okay, we can do something at home. And

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Speaker 1: for me, that was like this pivotal moment of oh, yeah,

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Speaker 1: we can talk very openly about this and resolve issues.

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Speaker 1: We don't need to go into debt trying to achieve

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Speaker 1: something we might not have allocated for. If that makes sense. Yeah.

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Speaker 5: Interesting. I feel like it's so pervy when we get

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Speaker 5: to ask, like, tell us about your money story, and

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Speaker 5: it just like dives into well, my sister and then

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Speaker 5: my mum and then this and my dad wasn't good

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Speaker 5: at money, and you're just like all of this stuff

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Speaker 5: is so juicy. But it's interesting because you said I

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Speaker 5: didn't learn about it until I was in my thirties.

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Speaker 5: Why is that you just didn't ask money questions at

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Speaker 5: the dinner table or like, how does this happen?

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Speaker 1: No, so I have no idea. When you look back,

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Speaker 1: it seems so dumb, like something definitely should have picked

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Speaker 1: up on. But hindsight's twenty twenty. But it's very much so.

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Speaker 1: I mean I didn't even have Okay, don't judge. I

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Speaker 1: mean you probably won't. I didn't have a credit card

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Speaker 1: until I met my husband and we joined a bank together.

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Speaker 1: Like it was never spoken about, but we weren't taught

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Speaker 1: anything like bad. We just saved, spent budget, that sort

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Speaker 1: of ongoing system. We just never openly discussed investments or

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Speaker 1: you know, there was always talk about like savings. You oh,

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Speaker 1: you should save you know, ten percent or half of

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Speaker 1: your page, well you know when you work at kmart

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Speaker 1: when you're fourteen, of course, But other than that, it

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Speaker 1: just didn't come up. And I mean, in all honesty,

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Speaker 1: not that I'm trying to like suck up or anything,

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Speaker 1: but when I heard your podcast, I started listening. My

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Speaker 1: little sister is significantly younger than me. I sent it

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Speaker 1: to her and I bought her the book, and I

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Speaker 1: was like, you have to pay attention to everything here

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Speaker 1: because you've got about ten years head start to the

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Speaker 1: rest of us.

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Speaker 5: Oh my gosh, that's so special though.

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Speaker 1: Yeah, so it's for me. It's I would tell everybody, Oh,

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Speaker 1: you've got to listen to this, you've got to read this,

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Speaker 1: You've got to understand it. I you know, not everybody

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Speaker 1: would agree with everything. Of course, it's life. Lower your expectations,

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Speaker 1: but it's really important to sort of have access to

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Speaker 1: the information. I suppose, and I just it never would

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Speaker 1: have occurred to me to source this out. I literally,

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Speaker 1: honestly I found you guys on a recommended article on BuzzFeed.

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Speaker 5: Oh, we've made it to busfeed.

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Speaker 4: I want to queize which she's on the Money host

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Speaker 4: to you?

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Speaker 5: Oh my gosh. Yes, do we get our own BuzzFeed quiz?

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Speaker 1: Now that would be great.

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Speaker 5: Who are you? Which which she's on the Money host?

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Speaker 1: Are you? I think I'm a hybrid.

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Speaker 5: I like that. I like that's kind of.

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Speaker 1: Organized, but I also manifest everything in my life so huge.

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Speaker 5: So what do you mean you like to be organized?

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Speaker 5: That's oky You don't know anything about me. I am

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Speaker 5: the most disorganized human in the entire world. Clearly you

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Speaker 5: are one hundred percent of Jessica RICKI here is a

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Speaker 5: gold medal. I love it, though, because talking about this stuff,

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Speaker 5: you're right, you just don't know what you don't know,

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Speaker 5: and it's not through you know, lack of your parents trying.

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Speaker 5: They quite clearly tried to teach you to say and

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Speaker 5: budget and all of that's really important, but they just

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Speaker 5: didn't have that financial literacy. And I guess that's why

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Speaker 5: I am so insanely passionate about sharing it, because I'm like,

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Speaker 5: you don't know of because no one taught you. We

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Speaker 5: didn't learn this at school. You learn algebra and trigonometry

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Speaker 5: and talked about geography, but we never talked about what

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Speaker 5: it means to invest in an ETF. And arguably I

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Speaker 5: could have changed your life with that. But you know,

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Speaker 5: as much as it's important to know where China is

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Speaker 5: on a map, that's not actually going to have a

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Speaker 5: positive impact on your life in this immediate future. Like,

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Speaker 5: there's nothing better than financial literacy for setting people up

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Speaker 5: for a successful future, and it just it makes me

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Speaker 5: so mad that it's not included. And your story is

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Speaker 5: an absolute testament to your parents doing the best that

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Speaker 5: they possibly could at the same time as just not

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Speaker 5: knowing what they don't know, like how would you know?

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Speaker 1: And why would you ask? Like if you don't know,

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Speaker 1: it'd be like, you know, trying to remember somebody you

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Speaker 1: had never met. If you don't know, why on earth

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Speaker 1: would you ask? Which is why I'm that with system now,

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Speaker 1: harping on a heye gus is really important, Like I

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Speaker 1: really think you should get on it. And every time

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Speaker 1: I speak to people at work, they're like, oh, because

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Speaker 1: I interact with a lot of different shifts, especially when

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Speaker 1: I work nights, And I was like, hey, man, are

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Speaker 1: you contributing more to souper because now's your peak time

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Speaker 1: to do.

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Speaker 5: So I love FUS.

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Speaker 1: Here's the sheet that HR give you on how to

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Speaker 1: do it so I could be that weird friend.

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Speaker 5: No, no, no, it's not weird. It's empowering and it's

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Speaker 5: inspired and I adore it. Fun friend, No, honestly, you

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Speaker 5: are the fun friend. Like I would ten out of

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Speaker 5: ten have you at my party, And like that's the

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Speaker 5: power of the community, right, It's not just about you know,

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Speaker 5: us having a podcast, it's now you filtering that down

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Speaker 5: to other people to have an impact that's far greater

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Speaker 5: than just the pod and it makes me so happy.

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Speaker 5: But we're going so far off track, so let's get

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Speaker 5: back on track. Quick questions money, Doris, I want to

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Speaker 5: know what do you do for work? How much money

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Speaker 5: do you earn?

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Speaker 1: So? I work for a not for profit and a

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Speaker 1: capital city that basically looks after the families of sick kids.

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Speaker 1: So I really only year with families in their worst

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Speaker 1: or most difficult moments I earn. So it fluctuates a

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Speaker 1: little bit because I do do a little bit of

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Speaker 1: shift work and I work nights. But for that I

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Speaker 1: think it averages out so about fifty two plus super

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Speaker 1: per year that I make. And yeah, so I work

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Speaker 1: part time to be fair, so I make fifty two

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Speaker 1: a part time I work three or four nights per week.

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Speaker 5: Wow, I feel like I want to say that's such

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Speaker 5: a special job, but I mean it in a that

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Speaker 5: is such an impactful job to have exposure to people

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Speaker 5: in arguably their most vulnerable states and be I guess

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Speaker 5: allowed to support them through that. But it also is

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Speaker 5: so special that you're willing to put yourself in a

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Speaker 5: position where your emotions and your mental health would arguably

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Speaker 5: be challenged on a daily basis, like that can't be easy.

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Speaker 5: It's not like going to work, sitting down at your

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Speaker 5: desk and huh, five o'clock, let's go home. It's like

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Speaker 5: you would carry a lot of weight with that role.

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Speaker 5: And that that's what I mean by special. I mean

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Speaker 5: you are special, not the job is.

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Speaker 1: I mean they're both special because I mean being able

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Speaker 1: to assist people and not have them go through it

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Speaker 1: by themselves. That in itself is a lot And there's

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Speaker 1: a lot of my job that's mostly sort of the

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Speaker 1: man behind the curtain. Yeah, so there's a fair bit

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Speaker 1: of okay. People have arrived from you know, a really

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Speaker 1: really rural place with nothing, you know, toothbrushes, nappies. What

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Speaker 1: do they need? Food? Not like stuff they can actually eat,

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Speaker 1: not food to make food, actual food, so everything. You know,

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Speaker 1: when you get somewhere and it's like getting to a

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Speaker 1: hotel in the city, you don't know, with nothing else,

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Speaker 1: like nothing, And if I can help in a like

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Speaker 1: I said that man behind the curtains sort of way,

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Speaker 1: I was like, I can get you this, I can

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Speaker 1: get you this, I can get you this. What do

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Speaker 1: you need? Nobody stays with us for fun. They're there

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Speaker 1: because they have to be so what can we do

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Speaker 1: to relieve a little bit of that pressure so they

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Speaker 1: can focus on what they need to Yeah, and you

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Speaker 1: know that's a really I think important sort of element.

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Speaker 1: But by contrast, I see, you know, a little bit

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Speaker 1: of tragedy every so often. We see a lot of

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Speaker 1: sad things. We see some DV. We have a great

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Speaker 1: interaction with our police and fire and ambulance officers for

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Speaker 1: a variety of reasons. You know, staff members hurt themselves

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Speaker 1: and all the time, and like break a foot and

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Speaker 1: so you have to call an ambulance and it's just

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Speaker 1: a relief that it's not for a guest. So there's

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Speaker 1: this huge spectrum of what we see. But I am

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Speaker 1: pretty open and honest about the importance of mental health.

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Speaker 1: I have a psychologist. I do the legwork. We try

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Speaker 1: to avoid compassion fatigue, which is a really big concern.

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Speaker 1: But you know, we do a lot of the work

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Speaker 1: to do so we've got a great program at work

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Speaker 1: as well. I don't use them. I have a psychologist,

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Speaker 1: I like, I've been seeing her since IVF, So I'm

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Speaker 1: quite attacked, understandably, So, yeah, and not interested in explaining

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Speaker 1: the whole thing again to a new person. So when

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Speaker 1: you take on roles of that nature and what you see,

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Speaker 1: you have to either be a little bit detached or

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Speaker 1: be able to separate everything.

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Speaker 5: Yeah, that sounds really tough. I want to ask you

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Speaker 5: more about that after the break. I'm going to continue

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Speaker 5: on so that we don't get too far off track,

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Speaker 5: but I want to know what is your big money

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Speaker 5: goal currently, what are you currently working towards. It sounds

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Speaker 5: like you've achieved a lot thus far.

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Speaker 1: Honestly, I feel like we have. And when we sort of,

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Speaker 1: you know, got invited to do a money though, it's

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Speaker 1: extremely excited. We had just had one of our meetings,

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Speaker 1: not dates, and you know, so over the next ten years,

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Speaker 1: we would like to work as a family towards sort

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Speaker 1: of a green home I suppose, not like a completely

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Speaker 1: solar powered, grow your own vegel stable sort of home,

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Speaker 1: but you know, we'd like we have solar, we'd like

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Speaker 1: to do more in the electric vehicle space, you know,

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Speaker 1: and those are expensive at the moment, so over time,

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Speaker 1: you know, over the next ten years, that's what we

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Speaker 1: would like to be able to achieve. We do have

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Speaker 1: a house. We may or may not look at moving

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Speaker 1: in some stage in the next twenty years, but our

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Speaker 1: children are small, so we're settled for the moment on that.

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Speaker 1: So you know, we've done the big things that we

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Speaker 1: wanted to do.

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Speaker 5: Good good love to hear it though, because I like

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Speaker 5: that you're like, actually, we have achieved a lot, because

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Speaker 5: sometimes you talk to people who just don't see their

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Speaker 5: achievements as achievements or enough. They just go, oh my god, yeah,

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Speaker 5: like I'm really working towards this and don't reflect on

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Speaker 5: I guess how far they've come. Next question, I want

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Speaker 5: to know do you currently have any investments. If so,

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Speaker 5: what are they.

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Speaker 1: So we have little investments, so we use Chase Ease

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Speaker 1: and I did use Raise, but the fees, I think

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Speaker 1: we're just becoming less and less healing. So we use

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Speaker 1: Chasse and we use Spaceship Love for micro investing.

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Speaker 5: We're twins. See we told you you are, Jessica Ricky

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Speaker 5: everyone through.

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Speaker 1: And at the moment we're saving two So our plane

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Speaker 1: at the moment, because we've only sort of turned this

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Speaker 1: ship around in the last you know, six to twelve months,

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Speaker 1: is to do some proper investing. Once we hit a

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Speaker 1: two grand mark, we'd like to investigate a little bit further.

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Speaker 1: But for the moment, We're happy with the micro investing

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Speaker 1: until we save some more.

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Speaker 5: Yeah, love, How good is that? All right? I want

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Speaker 5: to know next, do you currently have any debts? If so,

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Speaker 5: what are they?

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Speaker 1: Yes, so I have a hex step. Along with most

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Speaker 1: of the population, we do have a bill credit card

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Speaker 1: that we use. So our bills every month are a

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Speaker 1: little over five grand and our credit card is a

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Speaker 1: little over five grand. That's right, that's the balance MATCHI match.

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Speaker 1: The actual physical card gets brought out twice a month,

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Speaker 1: once on Payday to fill up the cars, and then

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Speaker 1: two weeks later to fill up the cars, and that's it.

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Speaker 1: It's not used for shopping or spending or groceries or

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Speaker 1: anything like that. It's specific to the bills that we have.

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Speaker 1: It gets paid off in full every month, and that's

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Speaker 1: sort of the only reason that we have it. I

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Speaker 1: think initially when we got the card, it was simply

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Speaker 1: because a couple of the insurances that I have that

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Speaker 1: aren't through super have to go on a credit card. Really, yes,

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Speaker 1: ten years ago.

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Speaker 5: So okay, I was like, since when I know?

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Speaker 1: I know, So initially we had that set up so

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Speaker 1: that we could use it in that way. So we're

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Speaker 1: looking at transitioning probably over the next five years to

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Speaker 1: not using that. But at the moment, we shop with Wolworth's,

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Speaker 1: we do the bank. For Christmas, we use the credit card.

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Speaker 1: It's paid off in full every month, it's never gone over.

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Speaker 1: It literally doesn't have the allowance for it because it's

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Speaker 1: on a budget like everything else. And at the end

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Speaker 1: of the year we convert those into grocery vouchers and

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Speaker 1: we don't pay for groceries in the month of December.

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Speaker 5: See, that's a really smart way of using a credit card.

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Speaker 5: If you have proven obviously have to be really responsible

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Speaker 5: with it and you're reaping the benefits, why would you

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Speaker 5: try and get rid of it? Like why would you

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Speaker 5: try and rework that wheel? I get lots of people

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Speaker 5: and cheese on the money. You're like, credit cards are

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Speaker 5: the devil's plastic. I get it because also I feel

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Speaker 5: that way, mainly because of how detrimental it can be

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Speaker 5: for our community to use them. But girlfriend, if you're

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Speaker 5: using them efficiently and you're in a better financial position

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Speaker 5: because of it, like why are we're stopping Well.

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Speaker 1: We whittled that down. So when we first got together,

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Speaker 1: like I said, I didn't have a credit card, and

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Speaker 1: my husband's had like fifteen grand was the limit, and

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Speaker 1: over time we've whittled that down to the point where

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Speaker 1: in the last after we had our last baby, I

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Speaker 1: was like, these are our bills every month. We can

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Speaker 1: have a two hundred dollars on top of that for

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Speaker 1: incidentals or a doctor's appointment or anything like that. That's it.

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Speaker 1: That's what the limit on it is. It's what our

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Speaker 1: bills are, so we can't go over it even if

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Speaker 1: we want it to. It's not like it's ten thousand

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Speaker 1: dollars and we're spending five grand over our budget every month.

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Speaker 1: It's not an option. Yeah, we can't get it if

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Speaker 1: we don't pay some of it off. That's how all

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Speaker 1: of credit works.

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Speaker 5: It's interesting to learn more about how other people use

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Speaker 5: debt to their advantage, though, because, as I've said before, Jess,

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Speaker 5: we recently recorded an episode on credit cards and how

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Speaker 5: they aren't necessarily the worst thing in the world, but

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Speaker 5: we actually need to make sure that we're using them efficiently.

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Speaker 5: I don't advocate anyone who doesn't have one to get

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Speaker 5: one if they just want to try it out, but like,

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Speaker 5: if you're already using it, I just don't see why

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Speaker 5: we would rework the wheel if that wheel's working for you.

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Speaker 5: I mean, no grocery fees all of December? Are you kidding?

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Speaker 1: All of December unless we host Christmas? Oh?

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Speaker 5: Oh yeah, in which case that is epic, Like that's crazy,

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Speaker 5: that's its own problem.

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Speaker 1: But yes, So between the credit card points, we usually

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Speaker 1: end up with, you know, about six hundred. Because we

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Speaker 1: have a lot of bills, we usually end up with

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Speaker 1: about six hundred dollars. Our bank for Christmas is usually

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Speaker 1: two or three.

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Speaker 5: That's so good. I'm so impressed.

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Speaker 1: And they're good groceries too, so sometimes we get the

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Speaker 1: fancy ice cream.

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Speaker 5: Oh girlfriend, I'm asking you more about that after the break,

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Speaker 5: So let's come back to that. I want to own next.

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Speaker 5: You clearly are a good shopper when it comes to

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Speaker 5: getting a bargain. Do you use shop back?

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Speaker 1: I have it, but I do use it on occasion.

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Speaker 1: I just don't do enough online shopping.

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Speaker 5: That's not a thing.

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Speaker 1: I still use it at every chance.

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Speaker 5: What do you mean I don't do enough online shopping?

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Speaker 5: Did you just say in a very weird roundabout way, Victoria,

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Speaker 5: I'm at controlling my online shopping than you are, because

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Speaker 5: that's what it felt like.

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Speaker 1: Well, I have an addictive personality. I know full well

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Speaker 1: I could not control my online shopping, which is why

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Speaker 1: we have the limit on the credit card.

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Speaker 5: Y'sa fair Know your limits.

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Speaker 1: Yes exactly. I'm you know, thirty three. I'm hyper aware

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Speaker 1: of what my limits are. I don't pay attention to

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Speaker 1: them all the time, but I do know what they are.

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Speaker 5: Love, love, all right, Next question, my love, what is

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Speaker 5: your best money habit?

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Speaker 1: So I actually I sat down and I asked my

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Speaker 1: husband about this, because I said, what do you think

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Speaker 1: our best money habit is like as a collective because

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Speaker 1: we do work very much so as a team. And

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Speaker 1: he said that he thinks we've got two, which I

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Speaker 1: agree with. To be fair, I think one's better than

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Speaker 1: the other. We communicate extremely honestly about money and finance,

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Speaker 1: so communication is our top priority across the board as

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Speaker 1: far as money habits go. So he's definitely come home

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Speaker 1: before and said, oh, I've got a UFC. Definitely going

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Speaker 1: to that. It's going to cost this. I've come home

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Speaker 1: and been like, maybe I spent an extra fifteen dollars

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Speaker 1: on a scar at chemist warehouse. It happens, but nothing's

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Speaker 1: hidden there's no secrets. That's something we're extremely open about.

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Speaker 1: But I believe that our best more my best money

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Speaker 1: habit is I don't pay for a price for anything.

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Speaker 5: We love to hear it.

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Speaker 1: How how we thrift everything, so if we can't buy

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Speaker 1: it or fix it or make it, then we find it.

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Speaker 1: So we work very hard. So last year we did

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Speaker 1: nothing new until twenty twenty two, so I left for

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Speaker 1: underwear and shoes, we did nothing new, so even the

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Speaker 1: things for the children. I mean that again, underwear shoes

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Speaker 1: very different. You know, shoes mold to the feet of

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Speaker 1: the wearer, so please don't buy vintaged shoes. It's gross.

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Speaker 1: Then it worked so well. We continued that on this year.

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Speaker 1: So we don't buy new anything. We try to find it.

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Speaker 1: We try to manifest it on Facebook, Marketplace, love yay.

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Speaker 1: You know, we just did agenda reveal for a friend

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Speaker 1: that's pregnant and everything we did. You open the wardrobe

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Speaker 1: and then it's full.

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Speaker 5: Of I've seen this on TikTok.

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Speaker 1: Yes, so we did one of those. Everything was thrifted.

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Speaker 1: Oh my gosh. It was always visible. Good, environmentally friendly,

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Speaker 1: I mean we still use disposable map. It's not savages.

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Speaker 5: We're not savages.

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Speaker 1: Let's be realistic about the time effort that would put

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Speaker 1: into that that gets to take something else.

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Speaker 5: Different horses for different courses. It's what's working for you.

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Speaker 5: And I think that it's cool that you have clarity

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Speaker 5: on what you do and don't want.

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Speaker 1: Yes, so that I think that level of trying to

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Speaker 1: find stuff is probably our best money habit. And I

434
00:21:34,200 --> 00:21:37,280
Speaker 1: do on my birthday coffee you do not want to

435
00:21:37,280 --> 00:21:39,760
Speaker 1: be a person around me on my birthday. Free burst,

436
00:21:40,119 --> 00:21:43,840
Speaker 1: free coffee club, free everything I go. I hit every mark.

437
00:21:44,040 --> 00:21:47,600
Speaker 5: I love that. I feel like that's genius's money saving

438
00:21:47,680 --> 00:21:51,440
Speaker 5: Queen Jessica. Let's learn where she's maybe not a money

439
00:21:51,440 --> 00:21:55,000
Speaker 5: saving queen though, money Darrist, what is your worst money habit?

440
00:21:55,400 --> 00:22:00,840
Speaker 1: If we are lazy or tired, that's it. So I

441
00:22:00,880 --> 00:22:05,520
Speaker 1: don't have really the option of finding something uber eats

442
00:22:05,560 --> 00:22:09,399
Speaker 1: wise at work at three in the morning if we

443
00:22:09,480 --> 00:22:12,440
Speaker 1: don't like something. But if I get home on a

444
00:22:12,520 --> 00:22:13,960
Speaker 1: day that I'm not working and I was like, oh,

445
00:22:14,040 --> 00:22:15,879
Speaker 1: I put this on the menu plan, so this is

446
00:22:15,880 --> 00:22:18,440
Speaker 1: what we're having for dinner. And if the rest of

447
00:22:18,480 --> 00:22:21,000
Speaker 1: the family is like yeah, we're so excited, I'm like, oh,

448
00:22:21,040 --> 00:22:25,199
Speaker 1: forget it, GYG, take away whatever. So if we're lazy

449
00:22:25,359 --> 00:22:28,840
Speaker 1: or tired, then we just get a little bit complacent.

450
00:22:29,960 --> 00:22:31,280
Speaker 5: I feel like that's relatable.

451
00:22:31,280 --> 00:22:31,560
Speaker 4: Though.

452
00:22:32,240 --> 00:22:34,399
Speaker 5: I sometimes go home and I'm like, oh, I know

453
00:22:34,520 --> 00:22:37,080
Speaker 5: I've planned this meal, but I really I just want

454
00:22:37,080 --> 00:22:39,080
Speaker 5: to sit on the couch and be a zombie and

455
00:22:39,200 --> 00:22:42,119
Speaker 5: have a man bring a pizza box to my front door.

456
00:22:42,440 --> 00:22:43,280
Speaker 5: I totally get it.

457
00:22:43,280 --> 00:22:47,119
Speaker 1: Because healthy me did the menu plan, yeah, but tired

458
00:22:47,240 --> 00:22:49,000
Speaker 1: me is in the situation now.

459
00:22:49,440 --> 00:22:51,680
Speaker 5: Oh I'm so inspired when I sit down on a

460
00:22:51,720 --> 00:22:53,520
Speaker 5: Sunday and be like, all right, Stephen, what are we

461
00:22:53,560 --> 00:22:57,600
Speaker 5: cooking this week? We're really healthy past me very healthy

462
00:22:57,840 --> 00:23:01,680
Speaker 5: currently not always making the best, so I totally get it,

463
00:23:01,960 --> 00:23:04,639
Speaker 5: all right. Last question before we go to a quick break,

464
00:23:04,680 --> 00:23:06,640
Speaker 5: I wouldn't know what grade would you give your money

465
00:23:06,680 --> 00:23:08,879
Speaker 5: habits if we asked you to give yourself a grade.

466
00:23:09,040 --> 00:23:11,560
Speaker 1: I've been thinking about this one a lot, so I

467
00:23:11,600 --> 00:23:15,960
Speaker 1: think overall I would say a C because I think

468
00:23:15,960 --> 00:23:17,720
Speaker 1: there's always you know, there's a lot we want to do,

469
00:23:17,760 --> 00:23:21,840
Speaker 1: and I always room for improvement. But if you look

470
00:23:21,880 --> 00:23:24,920
Speaker 1: at us at the beginning of the year and us

471
00:23:24,960 --> 00:23:29,160
Speaker 1: now ten months later, I would say a B plus

472
00:23:29,600 --> 00:23:31,840
Speaker 1: so in the short term, little pocket, I would say,

473
00:23:31,880 --> 00:23:34,879
Speaker 1: we've come a long way. But overall I think C

474
00:23:35,400 --> 00:23:39,120
Speaker 1: even C plus why not treat yourself? Treat yourself?

475
00:23:39,400 --> 00:23:41,600
Speaker 5: But also I feel like you've come a long way

476
00:23:41,720 --> 00:23:45,679
Speaker 5: and you're on the trajectory to being an a relatively

477
00:23:45,760 --> 00:23:48,320
Speaker 5: quickly given the habits you've established. I just think it's

478
00:23:48,320 --> 00:23:50,399
Speaker 5: amazing to watch it, and I cannot wait for a

479
00:23:50,480 --> 00:23:52,320
Speaker 5: check in insane us.

480
00:23:54,000 --> 00:23:56,240
Speaker 1: I mean, oh no, no, I know that we did

481
00:23:56,280 --> 00:23:59,200
Speaker 1: the work, but the has come from somewhere.

482
00:23:59,760 --> 00:24:02,680
Speaker 5: Yeah, I appreciate that. On that, let's go to a

483
00:24:02,760 --> 00:24:04,640
Speaker 5: quick break because I want to know more about where

484
00:24:04,640 --> 00:24:07,119
Speaker 5: you got your information. Straight after this break.

485
00:24:11,240 --> 00:24:14,560
Speaker 4: All right, welcome back, everybody, Money diarist. I want to

486
00:24:14,600 --> 00:24:17,040
Speaker 4: talk to you a little bit more about your IVF

487
00:24:17,200 --> 00:24:19,840
Speaker 4: journey because I think that that's something that is a

488
00:24:19,880 --> 00:24:23,280
Speaker 4: little bit shrouded in secrecy. It's something that often can

489
00:24:23,320 --> 00:24:26,760
Speaker 4: come with difficult feelings or difficult memories for people, so

490
00:24:26,840 --> 00:24:30,040
Speaker 4: it can be harder to talk about. But it's obviously

491
00:24:30,119 --> 00:24:31,360
Speaker 4: something that worked really.

492
00:24:31,200 --> 00:24:31,880
Speaker 5: Well for you guys.

493
00:24:31,920 --> 00:24:34,400
Speaker 4: You have three beautiful kids now, which is very exciting.

494
00:24:34,920 --> 00:24:38,560
Speaker 4: One hundred thousand dollars is an incomprehensible amount of money.

495
00:24:38,600 --> 00:24:40,320
Speaker 1: That's insane, a lot of money.

496
00:24:40,520 --> 00:24:42,320
Speaker 4: And I know that a lot of people who do

497
00:24:42,440 --> 00:24:44,560
Speaker 4: go through the process. Something that I hear time and

498
00:24:44,600 --> 00:24:47,800
Speaker 4: again is that it is really costly in addition to

499
00:24:47,840 --> 00:24:51,000
Speaker 4: the emotional drains and all of those other impacts that

500
00:24:51,040 --> 00:24:53,040
Speaker 4: it can have on your life. Can you talk me

501
00:24:53,080 --> 00:24:55,520
Speaker 4: through a little bit around how long you did it for?

502
00:24:55,640 --> 00:24:58,720
Speaker 4: And you know where that hundred thousand dollars kind of went?

503
00:24:59,240 --> 00:25:03,800
Speaker 1: Sure? So, so, in fairness, we knew straight off the

504
00:25:03,800 --> 00:25:07,520
Speaker 1: bat we would need IVF. My husband had the king

505
00:25:07,600 --> 00:25:10,760
Speaker 1: in here was twenty one. He's fine now, but obviously

506
00:25:10,800 --> 00:25:14,080
Speaker 1: before they started treatment, my mother in law as a nurse.

507
00:25:14,200 --> 00:25:14,679
Speaker 1: Thank god for.

508
00:25:14,720 --> 00:25:18,520
Speaker 5: Mother in laws. They're the best we gain.

509
00:25:18,640 --> 00:25:20,120
Speaker 1: Everyone's a win. I've got a good one.

510
00:25:20,240 --> 00:25:22,040
Speaker 5: I do too, don't worry. I feel like I've seen

511
00:25:22,080 --> 00:25:22,640
Speaker 5: the jackpot.

512
00:25:23,000 --> 00:25:27,480
Speaker 1: Oh so it's amazing. Everyone needs one. And so basically

513
00:25:27,800 --> 00:25:31,360
Speaker 1: he froze some sperm before he started treatment.

514
00:25:31,520 --> 00:25:34,280
Speaker 5: That's so good. No, but the foresight to have that

515
00:25:34,320 --> 00:25:36,959
Speaker 5: at twenty one is definitely not what a twenty one

516
00:25:37,040 --> 00:25:39,120
Speaker 5: year old mangle he is thinking about. I mean, I've

517
00:25:39,119 --> 00:25:41,600
Speaker 5: never been one. I've never been a twenty one year

518
00:25:41,640 --> 00:25:44,200
Speaker 5: old male. But having known a few in my lifetime,

519
00:25:44,240 --> 00:25:45,919
Speaker 5: that's not what they're thinking about one.

520
00:25:47,400 --> 00:25:50,800
Speaker 1: So we knew straight off that we would need IVF,

521
00:25:50,920 --> 00:25:53,679
Speaker 1: so shortly when after we got married, when we were

522
00:25:53,720 --> 00:25:56,679
Speaker 1: ready to look into that, we went straight into it.

523
00:25:56,760 --> 00:25:59,560
Speaker 1: And this was probably i'd say about a year before

524
00:25:59,800 --> 00:26:05,840
Speaker 1: a lot of bulk billing IVF places came unannoying, I know,

525
00:26:06,160 --> 00:26:09,959
Speaker 1: but we did. You know, we had our initial and

526
00:26:10,000 --> 00:26:14,199
Speaker 1: all these doctor's appointments they cost money, like bank So

527
00:26:14,840 --> 00:26:17,359
Speaker 1: you know, we had our initial consult with an IVF

528
00:26:17,480 --> 00:26:22,160
Speaker 1: fertility specialist, which costs you know, nearly seven hundred dollars. Wow.

529
00:26:22,280 --> 00:26:26,280
Speaker 1: And it exploded from there. So every time we did

530
00:26:26,400 --> 00:26:32,080
Speaker 1: a cycle it costs approximately twenty thousand dollars.

531
00:26:32,320 --> 00:26:35,680
Speaker 5: Twenty thousand dollars a cycle. That's like double what most

532
00:26:35,680 --> 00:26:38,359
Speaker 5: people are telling us. I mean, you obviously did it

533
00:26:38,400 --> 00:26:40,760
Speaker 5: before the bulk billing came in. It's just so much

534
00:26:40,800 --> 00:26:41,800
Speaker 5: money to comprehend.

535
00:26:42,200 --> 00:26:46,080
Speaker 1: It's a huge volume of money. So don't get me wrong.

536
00:26:46,119 --> 00:26:49,280
Speaker 1: We have great private health insurance. We were better off

537
00:26:49,280 --> 00:26:50,200
Speaker 1: going through Medicare.

538
00:26:50,480 --> 00:26:50,560
Speaker 2: Ye.

539
00:26:50,600 --> 00:26:52,800
Speaker 1: Yeah, And to be fair, you reach your threshold faster,

540
00:26:52,920 --> 00:26:55,600
Speaker 1: so once you hit it you do get more back.

541
00:26:55,680 --> 00:26:57,320
Speaker 1: So do it at the beginning of the year, if

542
00:26:57,320 --> 00:27:00,000
Speaker 1: you're going to do it, just as a friendly head does.

543
00:27:00,760 --> 00:27:04,679
Speaker 1: And we did the first one. To be fair, I

544
00:27:04,720 --> 00:27:07,399
Speaker 1: had a bit of a rough time with all the drugs.

545
00:27:07,400 --> 00:27:09,480
Speaker 1: So the initial drugs that you get, you have to

546
00:27:09,480 --> 00:27:12,119
Speaker 1: get them from a specific pharmacy where we were, not

547
00:27:12,400 --> 00:27:15,520
Speaker 1: our pharmacy where we've been going for.

548
00:27:15,480 --> 00:27:17,200
Speaker 5: The last time years so far.

549
00:27:17,359 --> 00:27:19,560
Speaker 1: I went to this pharmacy where it was you know,

550
00:27:20,000 --> 00:27:23,199
Speaker 1: I think we spent about a thousand dollars on our

551
00:27:23,240 --> 00:27:25,959
Speaker 1: first lot of injections and medications. And I did that

552
00:27:26,040 --> 00:27:29,760
Speaker 1: for two weeks, and then we did the egg retrieval

553
00:27:29,920 --> 00:27:33,320
Speaker 1: and the hospital ran late, and then there was no

554
00:27:33,359 --> 00:27:35,359
Speaker 1: eggs to retrieve. There are only two left. I had

555
00:27:35,400 --> 00:27:39,160
Speaker 1: twenty follicles, but they ran late, and they told me afterwards,

556
00:27:39,400 --> 00:27:42,280
Speaker 1: and I was, honestly, hormones or not.

557
00:27:42,359 --> 00:27:45,000
Speaker 5: That's not your's all, that's right.

558
00:27:45,480 --> 00:27:48,720
Speaker 4: There was no compensation or anything there at all.

559
00:27:48,760 --> 00:27:50,080
Speaker 1: I made them pay for the second one.

560
00:27:50,240 --> 00:27:51,679
Speaker 5: Yeah, good like.

561
00:27:51,800 --> 00:27:54,080
Speaker 1: I had a meeting with the hospital administrator. I said,

562
00:27:54,160 --> 00:27:56,440
Speaker 1: I can't spend twenty grand because you can't tell time.

563
00:27:56,560 --> 00:27:57,840
Speaker 1: That's actually not my fault.

564
00:27:58,200 --> 00:28:03,240
Speaker 4: No, you h, that's a costly mistake for somebody to mate.

565
00:28:03,320 --> 00:28:07,000
Speaker 1: It is. And to be fair, so after my second

566
00:28:07,240 --> 00:28:10,200
Speaker 1: egg collection where we got twenty follow calls.

567
00:28:09,920 --> 00:28:12,119
Speaker 5: Yeah, okay, thank you for running on time.

568
00:28:11,920 --> 00:28:14,520
Speaker 1: Because everyone ran on time, the head of the hospital

569
00:28:14,600 --> 00:28:18,240
Speaker 1: was outside the recovery room waiting to check in with me.

570
00:28:18,960 --> 00:28:20,320
Speaker 5: Good, oh good.

571
00:28:20,280 --> 00:28:24,080
Speaker 1: Afterwards, which, to be fair, she should have been. Yeah,

572
00:28:24,160 --> 00:28:27,399
Speaker 1: because that was that is a costly mistake. So we

573
00:28:27,440 --> 00:28:30,280
Speaker 1: didn't pay for the second one. But we did end up

574
00:28:30,440 --> 00:28:34,800
Speaker 1: doing two additional ones. So having said that, we got

575
00:28:34,840 --> 00:28:38,240
Speaker 1: our twenty embryos, and then and it's a numbers game,

576
00:28:38,320 --> 00:28:42,280
Speaker 1: so you know, twelve of those matured, and then four

577
00:28:42,320 --> 00:28:45,320
Speaker 1: of those got all the way through the process. And

578
00:28:45,360 --> 00:28:49,320
Speaker 1: then my husband and I are both carriers for cystic fibrosis. Wow,

579
00:28:49,360 --> 00:28:52,760
Speaker 1: so we did genetic testing on our embryos in addition

580
00:28:52,840 --> 00:28:55,600
Speaker 1: to the PDG testing. Wow.

581
00:28:55,640 --> 00:28:58,160
Speaker 5: But what a position for us to be in in

582
00:28:58,280 --> 00:29:00,080
Speaker 5: this day and age, to go, all right, we carry

583
00:29:00,280 --> 00:29:02,800
Speaker 5: let's test this like that is very cool.

584
00:29:03,120 --> 00:29:06,200
Speaker 1: Yeah. So initially we tested all twelve yeah, before we

585
00:29:06,240 --> 00:29:09,760
Speaker 1: knew that only four got through. But it cost two

586
00:29:09,800 --> 00:29:12,640
Speaker 1: grand for each embryo to do the test. Oh my lord,

587
00:29:12,760 --> 00:29:15,720
Speaker 1: and that's only you know, say, I was twenty six

588
00:29:15,760 --> 00:29:20,560
Speaker 1: when we harvested our eggs and got our embryos. So

589
00:29:21,160 --> 00:29:23,400
Speaker 1: even other than the fact that my husband likes to

590
00:29:23,400 --> 00:29:25,000
Speaker 1: tell people I got knocked up by a twenty one

591
00:29:25,080 --> 00:29:25,560
Speaker 1: year old.

592
00:29:25,400 --> 00:29:28,280
Speaker 5: Because that's how oldly, wasn't it.

593
00:29:28,280 --> 00:29:30,360
Speaker 1: It's like, you have to stop saying that. People know

594
00:29:30,440 --> 00:29:31,280
Speaker 1: how old we are.

595
00:29:31,920 --> 00:29:34,320
Speaker 5: And why I like it.

596
00:29:35,200 --> 00:29:39,040
Speaker 1: And so even then, we knew that as we moved

597
00:29:39,040 --> 00:29:42,800
Speaker 1: through the process, it would come forward in leaps and bounds.

598
00:29:43,200 --> 00:29:45,920
Speaker 1: So you know, we spent all this money, we did

599
00:29:46,000 --> 00:29:49,600
Speaker 1: all these tests putting our embryo back in. So we

600
00:29:49,760 --> 00:29:52,440
Speaker 1: initially we didn't do a medicated cycle. We tracked my

601
00:29:52,640 --> 00:29:55,760
Speaker 1: cycle and that one resulted in a miscarriage. But from

602
00:29:55,880 --> 00:29:59,200
Speaker 1: that we learned that I had a short like loot

603
00:29:59,200 --> 00:30:02,000
Speaker 1: to your phase. My fertility window was like three days,

604
00:30:02,040 --> 00:30:04,880
Speaker 1: not five. But we wouldn't have known that otherwise. So

605
00:30:04,880 --> 00:30:07,920
Speaker 1: then we started to do medicated cycles, which were a

606
00:30:07,960 --> 00:30:11,320
Speaker 1: little bit more expensive because you have to, you know,

607
00:30:11,800 --> 00:30:14,760
Speaker 1: take a lot of drugs and a lot of hormones

608
00:30:14,800 --> 00:30:18,800
Speaker 1: and a lot of progesterone. So and that all obviously

609
00:30:18,880 --> 00:30:20,560
Speaker 1: costs a lot of money. You do a lot of

610
00:30:20,600 --> 00:30:23,560
Speaker 1: doctor's appointments to follow up and check how everything's progressing.

611
00:30:23,880 --> 00:30:26,959
Speaker 1: And then putting the embryo back in is fifty two

612
00:30:27,080 --> 00:30:27,720
Speaker 1: hundred dollars.

613
00:30:28,080 --> 00:30:30,840
Speaker 4: Oh good lord. Wow, You're like, this came out of

614
00:30:30,880 --> 00:30:32,840
Speaker 4: my body. You're just giving me back what's mine?

615
00:30:32,920 --> 00:30:34,760
Speaker 1: Oh? Why it just blogs to me anyway?

616
00:30:35,000 --> 00:30:36,720
Speaker 5: Is it really necessary?

617
00:30:36,880 --> 00:30:40,240
Speaker 1: So that was always very difficult. After the first one

618
00:30:40,280 --> 00:30:43,640
Speaker 1: happened and it worked, and I did fertility acupuncture as well.

619
00:30:43,720 --> 00:30:46,800
Speaker 1: That was my own accord. That was you know, every

620
00:30:46,800 --> 00:30:49,080
Speaker 1: week in the twelve weeks lead was one hundred and

621
00:30:49,120 --> 00:30:52,360
Speaker 1: thirty odd dollars day before, day of day after. There's

622
00:30:52,400 --> 00:30:55,120
Speaker 1: three hundred and fifty dollars right there. It adds up,

623
00:30:55,120 --> 00:30:56,200
Speaker 1: and it adds up fast.

624
00:30:56,360 --> 00:30:56,760
Speaker 5: Wow.

625
00:30:57,040 --> 00:31:01,480
Speaker 1: And after the first one worked and we were like cool,

626
00:31:01,760 --> 00:31:06,360
Speaker 1: all of a sudden, you know, bug billing IVF came out.

627
00:31:06,880 --> 00:31:10,080
Speaker 1: I'm very superstitious. I was like, oh, I'm not wasting

628
00:31:10,080 --> 00:31:12,720
Speaker 1: an embryo based on maybe I will go back to

629
00:31:12,760 --> 00:31:13,520
Speaker 1: the same doctor.

630
00:31:13,920 --> 00:31:16,200
Speaker 5: I would do the same thing, to be honest, Yeah.

631
00:31:16,160 --> 00:31:20,160
Speaker 1: The same cost and spend the same money all over again.

632
00:31:20,240 --> 00:31:22,640
Speaker 1: And I mean superstitious in a weird way. Our embryo

633
00:31:22,680 --> 00:31:26,160
Speaker 1: transfers happened on a Friday. We see a violent movie afterwards,

634
00:31:26,200 --> 00:31:28,360
Speaker 1: because that's what happened to be on after the first one.

635
00:31:29,040 --> 00:31:30,720
Speaker 5: You're like, this worked last time.

636
00:31:30,920 --> 00:31:34,640
Speaker 1: I think it was Jurassic Park haha. And I get

637
00:31:34,640 --> 00:31:37,000
Speaker 1: a cold diet coke in a quiet room. There's no

638
00:31:37,040 --> 00:31:39,400
Speaker 1: one talking to me, touching me, or asking me for anything.

639
00:31:39,440 --> 00:31:42,320
Speaker 1: I'm that level of superstitious. It worked the first time.

640
00:31:42,480 --> 00:31:47,000
Speaker 1: I'm repeating it again within my scope what I can contry.

641
00:31:47,000 --> 00:31:49,600
Speaker 5: I feel like that's important, though, because that's you feeling

642
00:31:49,640 --> 00:31:52,160
Speaker 5: comfortable with that process, and like, I mean, that's going

643
00:31:52,200 --> 00:31:54,120
Speaker 5: to mean different things to different people, but I kind

644
00:31:54,120 --> 00:31:55,800
Speaker 5: of love that. You know you well enough. You're like,

645
00:31:55,880 --> 00:31:56,840
Speaker 5: this is what we're doing.

646
00:31:57,160 --> 00:31:59,400
Speaker 1: This is how the only control I had over it.

647
00:31:59,560 --> 00:32:02,120
Speaker 1: This is what we're doing. Yeah. Wow, And I do

648
00:32:02,240 --> 00:32:05,520
Speaker 1: have a supportive partner. He was like, yep, yep, I'll

649
00:32:05,520 --> 00:32:09,120
Speaker 1: be there on it. So what a legend. He is

650
00:32:09,160 --> 00:32:12,480
Speaker 1: amazing or he understands what I say. I know it's stupid,

651
00:32:12,960 --> 00:32:15,320
Speaker 1: but it's important to me because his response to that

652
00:32:15,440 --> 00:32:17,240
Speaker 1: is if it's stupid, but it works, it's not stupid.

653
00:32:17,320 --> 00:32:19,120
Speaker 5: Yeah, exactly exactly.

654
00:32:19,160 --> 00:32:20,760
Speaker 1: Wise, it's very hard to argue with.

655
00:32:20,760 --> 00:32:24,320
Speaker 5: The wise, I want to know how all of this

656
00:32:24,520 --> 00:32:27,640
Speaker 5: impacted your work, right, So you spoke about the cost,

657
00:32:27,720 --> 00:32:30,480
Speaker 5: but I think the cost when it comes to being

658
00:32:30,520 --> 00:32:33,600
Speaker 5: in our child bearing years that we don't talk about

659
00:32:33,720 --> 00:32:36,000
Speaker 5: enough is the time off work. And we know that

660
00:32:36,160 --> 00:32:38,920
Speaker 5: taking time off work to raise kids is one thing,

661
00:32:39,000 --> 00:32:41,720
Speaker 5: but then taking time off work to even try for

662
00:32:41,800 --> 00:32:45,720
Speaker 5: kids is another. Like, how did that impact your I

663
00:32:45,720 --> 00:32:49,680
Speaker 5: guess work life balance and your income and how all

664
00:32:49,720 --> 00:32:52,360
Speaker 5: of that works, because I feel like with IVF, that's

665
00:32:52,400 --> 00:32:54,800
Speaker 5: a lot of downtime and you didn't just do it once,

666
00:32:54,920 --> 00:32:57,560
Speaker 5: you did it multiple times for multiple rounds.

667
00:32:58,160 --> 00:33:02,880
Speaker 1: Yes, so I went to part time when we started IVF.

668
00:33:03,160 --> 00:33:05,080
Speaker 1: It was an available option to me. I was very

669
00:33:05,160 --> 00:33:07,440
Speaker 1: lucky to work at the time. I worked somewhere else,

670
00:33:08,000 --> 00:33:10,160
Speaker 1: and I was very lucky to work somewhere where they

671
00:33:10,200 --> 00:33:13,000
Speaker 1: are very family based. And they don't just say we're

672
00:33:13,040 --> 00:33:16,920
Speaker 1: family based. They show that they're family based. They let

673
00:33:16,920 --> 00:33:20,040
Speaker 1: me work from home when I could, They're very understanding.

674
00:33:20,640 --> 00:33:23,920
Speaker 1: They gave me time for the appointments. They let me

675
00:33:23,960 --> 00:33:26,560
Speaker 1: swap my days over for embryo transfers so that I

676
00:33:26,560 --> 00:33:30,280
Speaker 1: could have the weekend to relax. That was just dumb luck.

677
00:33:30,520 --> 00:33:34,560
Speaker 1: Being able to coordinate that with my work at the time,

678
00:33:35,360 --> 00:33:38,920
Speaker 1: and you do. So we took a hit for me

679
00:33:39,000 --> 00:33:41,760
Speaker 1: to work part time. I'm very lucky my husband works

680
00:33:41,800 --> 00:33:44,720
Speaker 1: in the IT industry, so you know, we have that

681
00:33:44,840 --> 00:33:47,240
Speaker 1: sort of buffer as we need. To be fair. We

682
00:33:47,280 --> 00:33:51,200
Speaker 1: do spend a fair bit on medical things at the pharmacy,

683
00:33:52,120 --> 00:33:54,920
Speaker 1: you know, his sort of treatments that will be ongoing

684
00:33:55,000 --> 00:33:58,000
Speaker 1: until further notice sort of thing. So we spend a

685
00:33:58,080 --> 00:34:00,520
Speaker 1: lot of money at our funt like I think five

686
00:34:00,560 --> 00:34:04,200
Speaker 1: or six hundred dollars a month at our pharmacy. We've

687
00:34:04,200 --> 00:34:07,760
Speaker 1: got it. But is it a tab an account.

688
00:34:07,480 --> 00:34:09,520
Speaker 5: Not ongoing account. It's like going to the bar.

689
00:34:09,800 --> 00:34:11,560
Speaker 1: Yeah, so that works out really well.

690
00:34:11,600 --> 00:34:11,759
Speaker 2: Yeah.

691
00:34:11,760 --> 00:34:13,000
Speaker 4: I was going to say tab I thinks a bar.

692
00:34:13,360 --> 00:34:14,960
Speaker 5: Yeah, I think you did it. I think you started

693
00:34:15,040 --> 00:34:15,719
Speaker 5: tab at the bar.

694
00:34:15,920 --> 00:34:18,359
Speaker 1: Yeah, well we have done that too.

695
00:34:18,800 --> 00:34:20,920
Speaker 5: Maybe that's just what came to you because it's familiar.

696
00:34:21,000 --> 00:34:24,279
Speaker 5: I get it. I get it's still fun. I told

697
00:34:24,320 --> 00:34:27,040
Speaker 5: you I'd have you at my party. It is absolutely fine.

698
00:34:27,080 --> 00:34:28,080
Speaker 5: I think it makes sense.

699
00:34:29,160 --> 00:34:31,719
Speaker 1: So I worked part time while we did all that,

700
00:34:31,800 --> 00:34:34,080
Speaker 1: and that was enough to take the pressure off for

701
00:34:34,160 --> 00:34:38,040
Speaker 1: what we were doing, so I didn't need additional time

702
00:34:38,080 --> 00:34:40,600
Speaker 1: off to do the processes. I worked somewhere where we

703
00:34:40,600 --> 00:34:43,759
Speaker 1: were able to slot it in within those working three days. Yeah,

704
00:34:43,840 --> 00:34:48,120
Speaker 1: that's epic, and that was very beneficial for us. When

705
00:34:48,120 --> 00:34:50,719
Speaker 1: our children were born, the place that I worked does

706
00:34:50,760 --> 00:34:52,759
Speaker 1: not offer maternity leave. Yeah.

707
00:34:52,800 --> 00:34:53,200
Speaker 5: Wow.

708
00:34:53,560 --> 00:34:57,160
Speaker 1: So I went back to work at four months with

709
00:34:57,239 --> 00:34:58,920
Speaker 1: the first two children.

710
00:34:59,239 --> 00:34:59,439
Speaker 5: Yeap.

711
00:35:00,239 --> 00:35:02,960
Speaker 1: And I was in a different job when I had

712
00:35:03,000 --> 00:35:06,560
Speaker 1: my third baby and they offered maternity le so I

713
00:35:06,600 --> 00:35:08,680
Speaker 1: took that. I think it was like seven weeks at

714
00:35:08,680 --> 00:35:12,160
Speaker 1: half pay, so an additional fourteen weeks just to take

715
00:35:12,200 --> 00:35:16,440
Speaker 1: the edge off. So that was very beneficial for us.

716
00:35:16,520 --> 00:35:23,840
Speaker 1: To be fair, my first born was born twelve hours

717
00:35:23,880 --> 00:35:25,840
Speaker 1: after I've finished work on the Friday.

718
00:35:26,160 --> 00:35:28,479
Speaker 5: Oh my gosh. Well, at least you're getting it done.

719
00:35:29,120 --> 00:35:29,840
Speaker 5: I respect that.

720
00:35:30,600 --> 00:35:32,239
Speaker 1: Oh I was supposed to be my baby shower, so

721
00:35:32,280 --> 00:35:33,200
Speaker 1: we haven't let that one go.

722
00:35:33,320 --> 00:35:36,160
Speaker 4: Apparently, according to my family, families are the best for

723
00:35:36,200 --> 00:35:38,040
Speaker 4: stuff like that, aren't they they are?

724
00:35:38,200 --> 00:35:41,120
Speaker 1: His birthday is baby shower day because I was too

725
00:35:41,120 --> 00:35:42,880
Speaker 1: busy birthing him to attend my baby shower.

726
00:35:43,200 --> 00:35:46,040
Speaker 5: Oh well, good, I mean, at least you've got a healthy,

727
00:35:46,120 --> 00:35:49,240
Speaker 5: happy baby. I have one more question before we wrap,

728
00:35:49,320 --> 00:35:51,239
Speaker 5: because I feel like I have been talking to you

729
00:35:51,280 --> 00:35:54,040
Speaker 5: for ages and I could continue to do so, but

730
00:35:54,160 --> 00:35:57,279
Speaker 5: I want to know. Obviously, you're now part time with

731
00:35:57,400 --> 00:36:00,160
Speaker 5: your work, and you've got a beautiful, supportive husband, and

732
00:36:00,840 --> 00:36:04,360
Speaker 5: I want to know how you're prioritizing your future financial

733
00:36:04,400 --> 00:36:07,080
Speaker 5: security though during a period of time where you're not

734
00:36:07,160 --> 00:36:10,359
Speaker 5: earning as much as you probably could be because you're

735
00:36:10,400 --> 00:36:12,680
Speaker 5: part time and looking after kids and doing all of that, Like,

736
00:36:12,840 --> 00:36:14,520
Speaker 5: how are we still making that a priority?

737
00:36:14,800 --> 00:36:16,719
Speaker 1: So there are a couple of ways that we do this,

738
00:36:16,840 --> 00:36:19,839
Speaker 1: and we do work very much so as a team.

739
00:36:19,920 --> 00:36:21,759
Speaker 1: We can only take on one big project at a

740
00:36:21,760 --> 00:36:25,200
Speaker 1: time as off of course, so we understand that. So

741
00:36:25,680 --> 00:36:29,320
Speaker 1: I work part time. But the reason I work nights

742
00:36:29,760 --> 00:36:32,880
Speaker 1: is so that I can work that extra fourth day. Yeah,

743
00:36:33,360 --> 00:36:35,759
Speaker 1: if I work, I have to put the kids into

744
00:36:35,800 --> 00:36:38,239
Speaker 1: daycare that day. Yeah, it's one hundred and fifty dollars

745
00:36:38,280 --> 00:36:39,200
Speaker 1: per child per day.

746
00:36:39,520 --> 00:36:40,480
Speaker 5: That's so much money.

747
00:36:40,560 --> 00:36:43,839
Speaker 1: It's so much. It costs money. We chose a job

748
00:36:43,880 --> 00:36:46,359
Speaker 1: where I could work nights and get that extra day

749
00:36:46,440 --> 00:36:49,600
Speaker 1: because it leads on from or into a weekend where

750
00:36:49,600 --> 00:36:52,360
Speaker 1: he's at home with the kids. So that's something we

751
00:36:52,400 --> 00:36:54,320
Speaker 1: do that's really smart.

752
00:36:54,400 --> 00:36:55,280
Speaker 5: Yeah, your genius.

753
00:36:55,320 --> 00:37:00,439
Speaker 1: Yes, So I work Sunday night to Wednesday nights. He

754
00:37:01,320 --> 00:37:04,000
Speaker 1: has the kids all day Sunday so that I can sleep,

755
00:37:04,120 --> 00:37:05,879
Speaker 1: so that I can work that night.

756
00:37:06,280 --> 00:37:06,480
Speaker 2: Yeah.

757
00:37:06,480 --> 00:37:08,680
Speaker 1: Wow, And then that would not have been an option

758
00:37:09,600 --> 00:37:11,640
Speaker 1: on the other you know, I couldn't be able to

759
00:37:11,680 --> 00:37:13,640
Speaker 1: work four days and pay for four days of daycare.

760
00:37:13,680 --> 00:37:16,200
Speaker 1: That would basically make my salary redundant.

761
00:37:16,440 --> 00:37:17,480
Speaker 5: Yeah, of course it would.

762
00:37:17,840 --> 00:37:21,880
Speaker 1: We salary sacrifice from my job to the mortgage. We

763
00:37:22,200 --> 00:37:26,440
Speaker 1: salary sacrifice to my super. So does he to my

764
00:37:26,600 --> 00:37:30,560
Speaker 1: super not his own, so that we are all working

765
00:37:30,719 --> 00:37:34,920
Speaker 1: hard to make sure no one is left out of pocket,

766
00:37:35,000 --> 00:37:39,399
Speaker 1: I suppose for doing what we're trying to do. We

767
00:37:39,480 --> 00:37:44,320
Speaker 1: have touched on a number of times. I'm working towards

768
00:37:44,360 --> 00:37:48,359
Speaker 1: my MBA. I am so part time work, part time

769
00:37:48,400 --> 00:37:51,320
Speaker 1: study to try and sort of better myself.

770
00:37:50,960 --> 00:37:54,840
Speaker 5: And three kids under five? Are you kidding me, money diarist.

771
00:37:54,800 --> 00:37:56,120
Speaker 1: No, we don't do things by halves.

772
00:37:56,320 --> 00:37:57,200
Speaker 5: Oh I'm noticing.

773
00:37:57,800 --> 00:38:00,600
Speaker 1: So I'm doing that now because I can work part

774
00:38:00,600 --> 00:38:02,719
Speaker 1: time with the kids, and because I work nights, it

775
00:38:02,760 --> 00:38:06,000
Speaker 1: gives me the opportunity to be able to sort of

776
00:38:06,040 --> 00:38:09,359
Speaker 1: focus on that as an option. Yeah. So that's why

777
00:38:09,560 --> 00:38:11,920
Speaker 1: we do that. We've touched on me working full time.

778
00:38:12,000 --> 00:38:14,120
Speaker 1: We've run the numbers, we've done the math. It's not

779
00:38:14,200 --> 00:38:17,000
Speaker 1: worth it. Yeah, that's it's really not that. For the

780
00:38:17,040 --> 00:38:20,280
Speaker 1: same reason, it's also not worth me doing school hours

781
00:38:20,320 --> 00:38:22,840
Speaker 1: five days a week, so I might work five hours

782
00:38:22,840 --> 00:38:25,120
Speaker 1: in that day, I got to pay for twelve hours daycare.

783
00:38:25,400 --> 00:38:29,000
Speaker 5: Yeah, daycare can be absolutely crippling. And I feel like

784
00:38:29,400 --> 00:38:31,279
Speaker 5: you guys have really thought about it. And I like

785
00:38:31,440 --> 00:38:34,080
Speaker 5: asking that question because I think that it is such

786
00:38:34,120 --> 00:38:37,640
Speaker 5: an important question to ask in a relationship when going

787
00:38:37,680 --> 00:38:39,319
Speaker 5: through this period of time. It sounds like you're an

788
00:38:39,320 --> 00:38:41,880
Speaker 5: absolute hustler, and I don't expect anybody else in our

789
00:38:41,880 --> 00:38:44,040
Speaker 5: community to bite off nearly as much as you can chew.

790
00:38:44,360 --> 00:38:47,120
Speaker 5: But that is okay. We can learn from your story.

791
00:38:47,560 --> 00:38:50,680
Speaker 5: So with that money, darist, I super appreciate the time

792
00:38:50,680 --> 00:38:53,560
Speaker 5: you've taken today to share that with us. Thank you

793
00:38:53,600 --> 00:38:55,160
Speaker 5: for coming and thank you for sharing.

794
00:38:55,840 --> 00:38:58,319
Speaker 1: Oh my goodness, thank you. I've listened to so many

795
00:38:58,400 --> 00:39:00,200
Speaker 1: money does. I was like, I can relate to that.

796
00:39:00,719 --> 00:39:02,760
Speaker 1: I understand that. Oh I don't know that.

797
00:39:02,960 --> 00:39:04,400
Speaker 5: Ow how good.

798
00:39:04,520 --> 00:39:06,279
Speaker 4: There'll be a lot of people listening to this feeling

799
00:39:06,320 --> 00:39:07,920
Speaker 4: the exact same way exactly.

800
00:39:08,040 --> 00:39:09,680
Speaker 5: I mean, I don't know how many other people are

801
00:39:09,680 --> 00:39:11,040
Speaker 5: going to be like, oh, yeah, I work part time,

802
00:39:11,040 --> 00:39:13,080
Speaker 5: I do my NBA. I also have three kids and

803
00:39:13,120 --> 00:39:15,439
Speaker 5: I'm a hustler. Ali great, great, thank you for making

804
00:39:15,520 --> 00:39:16,440
Speaker 5: unrelatable content.

805
00:39:16,560 --> 00:39:19,640
Speaker 1: I didn't realize how common IVF was until we were

806
00:39:19,640 --> 00:39:19,880
Speaker 1: in it.

807
00:39:20,160 --> 00:39:21,040
Speaker 5: Yeah, for sure.

808
00:39:21,480 --> 00:39:21,800
Speaker 2: True.

809
00:39:21,880 --> 00:39:24,040
Speaker 1: I mean I've had people from work who were doing

810
00:39:24,040 --> 00:39:25,799
Speaker 1: IVF reach out to me and go, I don't know

811
00:39:25,840 --> 00:39:27,319
Speaker 1: you did IVF? What do you know about this? And

812
00:39:27,320 --> 00:39:29,360
Speaker 1: I was like, hell, get ready, I know it.

813
00:39:29,440 --> 00:39:31,960
Speaker 5: Sit down, my friends. I feel like it is so common,

814
00:39:32,040 --> 00:39:34,239
Speaker 5: but for a very long time it was kind of

815
00:39:34,280 --> 00:39:37,160
Speaker 5: seen as something that shouldn't really be talked about because

816
00:39:37,160 --> 00:39:39,719
Speaker 5: it's like, you know, if it's not working naturally, like oh,

817
00:39:39,800 --> 00:39:43,120
Speaker 5: don't tell everybody about your bodily processes. Like and that's

818
00:39:43,120 --> 00:39:44,640
Speaker 5: not the case at all. I feel like you guys

819
00:39:44,760 --> 00:39:47,920
Speaker 5: need as much, if not more, support, Like it's just

820
00:39:48,000 --> 00:39:51,600
Speaker 5: so important. Anyway. With that Money Diarist, thank you for

821
00:39:51,719 --> 00:39:54,920
Speaker 5: joining us, and we will see you on another episode

822
00:39:54,960 --> 00:39:56,560
Speaker 5: of Money Diaries next week.

823
00:39:56,920 --> 00:39:57,680
Speaker 4: See you, Thank guys.

824
00:40:03,680 --> 00:40:06,240
Speaker 5: The advice shared on She's on the Money is general

825
00:40:06,280 --> 00:40:10,120
Speaker 5: in nature and does not consider your individual circumstances. She's

826
00:40:10,200 --> 00:40:13,640
Speaker 5: on the Money exists purely for educational purposes and should

827
00:40:13,680 --> 00:40:16,840
Speaker 5: not be relied upon to make an investment or financial decision.

828
00:40:17,239 --> 00:40:19,680
Speaker 5: If you do choose to buy a financial product, read

829
00:40:19,719 --> 00:40:23,840
Speaker 5: the PDS TMD and obtain appropriate financial advice tailored towards

830
00:40:23,880 --> 00:40:27,160
Speaker 5: your needs. Victoria Divine and She's on the Money are

831
00:40:27,200 --> 00:40:32,239
Speaker 5: authorized representatives of money. Shepper Pty Ltd ABN three two

832
00:40:32,280 --> 00:40:36,239
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833
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