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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it. She's on the Money. She's on

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

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Speaker 2: podcast for millennials who want financial freedom. Today, my friends,

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Speaker 2: it is Friday again, which means it is time to

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Speaker 2: get my little team together and celebrate you our incredible

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Speaker 2: She's on the Money community Today is just Grich is

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Speaker 2: going to be sharing our favorite money wins from the community.

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Speaker 2: Miss beck say Ede, She's got a few broke tips

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Speaker 2: of her sleeve that she's gonna share. We're going to

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Speaker 2: be helping to answer a juicy money dilemma, which this

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Speaker 2: week is all about why you should invest, and we're

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Speaker 2: going to unpack something that you slim into our DMS

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Speaker 2: about this week. We're talking about owing money to your friends.

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Speaker 2: So before we get there, I want to know how

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Speaker 2: your weeks have been. Misterscricci. We threw you straight under

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Speaker 2: the bus last Friday because you had your wisdom teeth out.

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Speaker 3: I know I missed your guys.

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Speaker 2: Are you better? How did it go?

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Speaker 3: I'm good. Doctor Chris was very kind, very good to me,

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Speaker 3: because I think we've said before on the show, I'm

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Speaker 3: a little baby when it comes to going to the dentist.

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Speaker 2: So it was just a baby.

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Speaker 3: I'm just a baby. I was very afraid, but he

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Speaker 3: was so good and so it went better than I expected,

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Speaker 3: which was lovely. He gave me.

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Speaker 2: I'm not surprised.

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Speaker 3: Lots and lots and lots of nubbing, but lots of

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Speaker 3: did you go home just drooling pretty much? I had

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Speaker 3: my partner come get me because I was worried or

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Speaker 3: he like drove me there and took me home because

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Speaker 3: I was worried that I would be like a little bit,

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Speaker 3: a little bit stressy, a little bit out of it.

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Speaker 3: And so I was sitting there and I just they

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Speaker 3: gave me gauze to like staunch the blood or whatever,

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Speaker 3: and so I was just like dropping bloody gauze and

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Speaker 3: because I was so like out of it in the moment,

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Speaker 3: I forgot. And obviously when we got home, I just

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Speaker 3: like got out of the car and went to bed,

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Speaker 3: and then he drove his friend. His friend went to

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Speaker 3: the gym that night, and he drove his friend and

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Speaker 3: he was like, did you did you maybe leave something

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Speaker 3: in my car? And I was like in bed, like

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Speaker 3: like he sat and nearly sat on a pile of

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Speaker 3: just bloody dishuices.

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Speaker 4: Yeah, his friend would have been like, did you kill literally?

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Speaker 3: So what happened to you?

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Speaker 2: Been doing?

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Speaker 3: But you're recovering well, feeling really good? Chatty Kathy back

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Speaker 3: and ready to go.

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Speaker 2: I love to see big perfect miss excited. How has

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Speaker 2: your week been. It's been a roller coaster. I've gotta

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Speaker 2: be honest. Why roller coaster?

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Speaker 4: Well, okay, so as everyone knows, I've been mo redone

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Speaker 4: and blah blah blah, like seven years ago.

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Speaker 2: But anyway, it was like not even seven weeks ago,

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Speaker 2: but okay.

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Speaker 4: And as also as everyone knows, I'm not the best

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Speaker 4: of money, and I kind of just like had a bad,

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Speaker 4: a really bad day the other day where I was like,

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Speaker 4: oh my god, I have no money and I was

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Speaker 4: kind of like, you know, I was stuck in Southierra

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Speaker 4: because I couldn't afford petrol to get home, and it

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Speaker 4: was a whole thing. But anyway I want I wouldn't

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Speaker 4: like trauma dump on it.

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Speaker 2: No trauma dumb, because I feel like lots of people

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Speaker 2: are gonna go relatable.

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Speaker 4: Okay, good, I would hope. So that's the only reason

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Speaker 4: I'm kind of saying. It's like, oh, I'm sure there's

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Speaker 4: someone out there that's kind of been in this position,

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Speaker 4: and but my mom helped me out, and like, you know,

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Speaker 4: it was all good. I was like, oh my god,

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Speaker 4: I'm thirty thirty one and I'm calling my mom.

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Speaker 2: Crying and I'm I don't know what to do. But

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Speaker 2: it's all been up from there.

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Speaker 4: And I've just had a really good week just with friends,

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Speaker 4: just doing like really cute, wholesome things and just doing

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Speaker 4: things that like don't cost any money and that you know,

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Speaker 4: it's it's been. It's actually been really nice, trying to

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Speaker 4: find waste have fun without spending anything.

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Speaker 3: Did you see the Southern Lights? I feel like that

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Speaker 3: would have been right up your alley over again, so

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Speaker 3: up my alley, jest.

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Speaker 4: But I didn't realize it was happening until after it

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Speaker 4: happened me either.

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Speaker 2: No one called me, and then all my friends text me,

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Speaker 2: Oh my god, look at this picture I took. And

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Speaker 2: I was like, I'm so jealous.

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Speaker 4: Yeah, but the good thing is I don't think you

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Speaker 4: could have seen it with your human eye.

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Speaker 3: Yeah, it was like James ragensy could see like a

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Speaker 3: little tinge of color, but you couldn't see anything like

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Speaker 3: how you could in photos.

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Speaker 2: So we were on the peninsula. I didn't I was there,

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Speaker 2: I could have had the opportunity to do so. But

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Speaker 2: my parents saw it and said it was beautiful and

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Speaker 2: really really cool because that's something that my mum had

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Speaker 2: always wanted to see, so that was really cool. I'm

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Speaker 2: glad she got to see that. But then also my

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Speaker 2: best friend lives in Tasmania and she sent me I'll

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Speaker 2: show you after the coolest photo of the sky and

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Speaker 2: I was like, that can't be real, and she was

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Speaker 2: like yeah, over Hobart like they were out near the airport.

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Speaker 2: Apparently it was elite and very very visible. But again,

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Speaker 2: there's not a lot of light pollution in Tasmania, so

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Speaker 2: you know, you guys live quite close to the city,

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Speaker 2: so I'm not surprised we couldn't see it.

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Speaker 3: It was as good. Yeah, oh that's so cool. We're

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Speaker 3: all just gonna have to go to Iceland and see

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Speaker 3: the norm.

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Speaker 2: Alright, absolutely rude, not too so let's do that.

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Speaker 3: I'm showing.

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Speaker 2: Oh thanks, you see really good. I have my very

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Speaker 2: first Mother's Day, honestly, very exciting, but also kind of

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Speaker 2: weird because I don't identify with being a mother yet. Yes,

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Speaker 2: like I am, but I also feel like a teenage parent,

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Speaker 2: Like I'm thirty two and I've heard my first teenage

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Speaker 2: pregnancy and I'm not equipped for this. So when people

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Speaker 2: were like, happy Mother's Day, I was like a baby,

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Speaker 2: just a baby myself. Yeah, So that was really fun.

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Speaker 2: Got to spend it with my mom. We went out

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Speaker 2: for some all you can eat Japanese which was amazing.

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Speaker 2: Get this, Jess Beceruy knows because Becky, we've both been

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Speaker 2: to this place. Thirty nine dollars or you can eat

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Speaker 2: thirty nine money money mean, I would take you next time.

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Speaker 2: Unlimited tempure vegetables. Oh it's really good food, delicious amazing.

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Speaker 2: All right, let's get into the show because I'm really excited.

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Speaker 2: I have been trolling through the Facebook group this week,

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Speaker 2: just like reading all of the comments, so I can

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Speaker 2: basically bet that I've already heard all of the money

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Speaker 2: wins this week. But I regret nothing. So jess, what

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Speaker 2: have you pulled out for us?

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Speaker 3: All right? This week? Firstly, I have one from Tory

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Speaker 3: who said a great name, excellent name. I needed a

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Speaker 3: new puffy jacket and I wanted a Patagonia jacket, but

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Speaker 3: it was three hundred dollars. She found it on sale

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Speaker 3: for fifty percent off this weekend.

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Speaker 2: Oh that's your god of money.

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Speaker 3: Wine brand new for one hundred and fifty dollars and

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Speaker 3: Patagonia is an awesome We've spoken about them before like

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Speaker 3: they're morals a body. Yeah, great quality and like a

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Speaker 3: company with really great ethics, which is awesome. Next, I've

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Speaker 3: got a money win from Gabby who said win, I've

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Speaker 3: saved six hundred dollars that I was quoted for a

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Speaker 3: bond clean by just doing it ourselves. Had a huge

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Speaker 3: day of grubbing, but we got there.

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Speaker 2: I feel like you've got a few trip nails from that,

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Speaker 2: But that would be worth it. I think bond cleans

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Speaker 2: are so bloody expensive.

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Speaker 3: And little pro tip. I got into an argument. I've

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Speaker 3: ever done this before. I've made a comment on an

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Speaker 3: Instagram post.

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Speaker 2: And I was like, well, you're getting in an argument

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Speaker 2: happens regularly on an Instagram post. No, that's usually me

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Speaker 2: just like sends me screenshots of my own comments and

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Speaker 2: says delete this right now. And I'm like, fine, fine.

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Speaker 3: Yeah, I'm not one to have a little argument on

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Speaker 3: the internet. But I commented because someone was talking. It

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Speaker 3: was someone talking about like a similar thing, rental clean,

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Speaker 3: and I said, oh, at least in Victoria, did you

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Speaker 3: know that they actually can't legally force you to have

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Speaker 3: a professional clean done.

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Speaker 2: Some the kboard warrior decided to correct and I was,

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Speaker 2: let you know that you were wrong, that, like Jess

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Speaker 2: is never wrong. But I could just know this as

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Speaker 2: a fact, Jess never wrong. It's really nice.

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Speaker 3: I wish I could relate to people who were but

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Speaker 3: I simply can't.

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Speaker 4: I don't think i've ever no, I don't think i've

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Speaker 4: ever experienced no.

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Speaker 3: No, I definitely haven'ten But yeah, it was I anyway,

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Speaker 3: that isn't either. He was just a little and an.

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Speaker 3: But if you're in Victoria, did you know they can't

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Speaker 3: force you to pay because they often try to. They

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Speaker 3: put it in like your lease agreement. That's actually not enforceable.

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Speaker 3: It's illegal.

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Speaker 4: But I want to know how this conversation, like what

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Speaker 4: did the person say?

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Speaker 3: So they I replied to them and said, oh, it's

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Speaker 3: actually not you can't do that. It's not legal, like

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Speaker 3: it's on the Tenants Fick website if you want to

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Speaker 3: check it. Don't know about other states, but for Victoria specifically,

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Speaker 3: that's not nice. All I'm talking about, Yeah, exactly right.

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Speaker 3: And then they came back and said something. I can

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Speaker 3: get to see what they said, because when I went

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Speaker 3: to it, the comment was actually gone.

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Speaker 2: So that is them recognizing that Jess is always right.

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Speaker 2: As they were embarrassed, they put their tail between their legs,

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Speaker 2: and they went home.

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Speaker 3: Well good as they should. Hopefully that's a money win

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Speaker 3: for anyone in Victoria. You don't have to You can

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Speaker 3: do a perfectly good job cleaning it.

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Speaker 2: Yourself, unless you're really a boad at cleaning, in which

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Speaker 2: case maybe get a cleaner.

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Speaker 3: Yes, yeah, next moving or a long next money when

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Speaker 3: I've got is from April, who said long term money win.

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Speaker 3: I made a three thousand dollars lump sum repayment on

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Speaker 3: our home loan. She did the most must be nice,

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Speaker 3: it must be very nice. But that three thousand dollars

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Speaker 3: equals eleven thousand, eight hundred and ninety one dollars that

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Speaker 3: they've saved in interest. It's that cool, very very cool.

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Speaker 2: Do the maths because you'll feel much better about making

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Speaker 2: those payments.

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Speaker 3: Yeah, and she said it's going to make her really

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Speaker 3: rethink they're spending first, saving and stuff, which I thought

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Speaker 3: was just like a cool thing to like have a

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Speaker 3: play around with and super motivating. Yeah, exactly right. Next,

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Speaker 3: I've got a money in from Nicole who said I

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Speaker 3: was going to have to pay four point five thousand

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Speaker 3: dollars to get my daughter assessed for autism. I did

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Speaker 3: not know it was that expense. WHOA, that is crazy.

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Speaker 2: He's anything neurospicy.

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Speaker 3: Yes, so expensive.

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Speaker 2: HD. Like I was saying this to my mum the

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Speaker 2: other day. I'm like, I'm so glad you guys had

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Speaker 2: to pay for my diagnosis when I was a teenager

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Speaker 2: because I couldn't afford it.

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Speaker 3: Now I want to do it now.

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Speaker 2: No, absolutely, not absolutely not.

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Speaker 3: But money in for Nicole. She said she found out

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Speaker 3: that the school can actually assist for a much more

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Speaker 3: affordable price because they have a psychologist on their stuff.

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Speaker 2: Oh money, we very cool and great if you had

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Speaker 2: good to know and to ask the school to get involved.

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Speaker 2: If you're going through that with a kid, I would

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Speaker 2: have thought of that.

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Speaker 3: Yeah, I know that's perfect, really lucky for the col

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Speaker 3: Orful that people have to pay that, I'm so sorry. Lastly,

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Speaker 3: I have a moneyman from Kristen who said I had

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Speaker 3: to clean out old stuff from my old bedroom at home.

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Speaker 3: In doing soon, I found two hundred and forty dollars

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Speaker 3: and a winning crosswords scratchy tucked away an old birthday card.

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Speaker 2: Oh my money, money, it's nice just having two hundred

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Speaker 2: and forty bucks accidentally in your room. Again, can't relate, No,

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Speaker 2: I don't think I've found five bucks or ten dollars. Actually,

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Speaker 2: one time I lucked out and found like fifty dollars

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Speaker 2: in a coat pocket, my own coat pocket, so it

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Speaker 2: was technically in my own money, but it would have

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Speaker 2: been cooler if it was like from the shop or something.

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Speaker 3: Yeah. I love reading those stories, like what have you

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Speaker 3: found in something? You got to the shop, like someone

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Speaker 3: bought a box and they opened it and there was

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Speaker 3: a bunch of cash.

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Speaker 2: Or yeah, seriously, I've gotten onto the side of TikTok

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Speaker 2: where people are buying things secondhand and realizing they're haunted.

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Speaker 2: So maybe different, but I'm trying the same. No interesting though,

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Speaker 2: people buying stuff and then being like, ah, yeah, so

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Speaker 2: I bought this doll and I'm like looking at the

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Speaker 2: video being like, how did you not know the doll

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Speaker 2: was haunted? Like it haunted? But I love those kinds

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Speaker 2: of stories. Anyway, moving on, Beck, I want your brocust

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Speaker 2: of broke tips. What have you got?

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Speaker 1: So?

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Speaker 2: Oh, she's ready, She's.

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Speaker 4: Got it, I've got it up, I'm ready. This again

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Speaker 4: won't be as rogue as some of my.

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Speaker 2: Exactly exactly, snaughty laughing. We have to stop recording. I

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Speaker 2: don't want it, Okay, well I can.

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Speaker 4: I was speaking to an old friend of mine and

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Speaker 4: realizing how wild a lot of the old things I

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Speaker 4: did was, And this is not what I'm doing today.

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Speaker 4: Those just same Beck, different day, exactly exactly. But those

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Speaker 4: will come, those stories a right, okay. First one comes

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Speaker 4: from Emma, who says, honestly, go to cost for free,

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Speaker 4: samples around meal time.

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Speaker 2: That is such a good idea. Genius. They always do

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Speaker 2: like they're sliced pizza or the dips and stuff. What

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Speaker 2: if you just do lots of laps and just like

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Speaker 2: have a whole entire pizza. Yeah, exactly, No, I reckon

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Speaker 2: they cut you off. I don't think.

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Speaker 4: So we put a little hat on, put a fake mustache.

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Speaker 4: They would never know that you're the same person. I think.

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Speaker 2: Yeah, that's true.

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Speaker 3: See so many people, surely they wouldn't even notice.

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Speaker 2: Totally. We love Costco in this team. In fact, we

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Speaker 2: were literally in New Orleans and brook who's on our team.

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Speaker 2: You've probably met brook You would have met Brooks. She's

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Speaker 2: been on the podcast before. Yes, So she's obsessed with

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Speaker 2: Costco and every country she goes to she has to

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Speaker 2: go to a Costco there just to check it out.

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Speaker 2: That's such a funny obsition. Was an actual activity for

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Speaker 2: all of us, or we just went to Costco like

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Speaker 2: that was an afternoon activity, like it was like on

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Speaker 2: the iterial. I guess it was on the itinerary. We

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Speaker 2: went to Costco. Turns out they're all the same. We

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Speaker 2: learned nothing and then Brooke got a pizza. You did too, Jess.

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Speaker 3: It was delicious, so good.

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Speaker 2: But it was the same as the Costco pizza. You

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Speaker 2: could have got what you want. But I'm sitting there

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Speaker 2: being like this same.

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Speaker 3: Yeah as someone as a pickie eater, I appreciate knowing

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Speaker 3: that no matter what country, I mean, Costco pizza tastes

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Speaker 3: the same.

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Speaker 2: You're also a very big fan of McDonald's.

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Speaker 3: Exactly that, exactly exact reason.

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Speaker 2: Yeah, I get that. I like get that, all right, Beck,

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Speaker 2: What else have you got on their table for us? Okay?

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Speaker 4: Also should say free samples anywhere, Like you know, you

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Speaker 4: go to butchers and sometimes they have all which I

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Speaker 4: know be very feeling, but you know you got to do.

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Speaker 2: We gotta do sometimes. Okay.

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Speaker 4: This next one comes from Laura, who says cultural broke tip.

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Speaker 4: If there is a ticketed exhibition, say art design film,

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Speaker 4: you want to attend, wait until the last two weeks.

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Speaker 4: They usually sell fifty to seventy ish percent off tickets,

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Speaker 4: mainly big galleries like NNGV ACME. I feel like ACME

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Speaker 4: might be free or I don't know, mate, you're telling

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Speaker 4: this story not me.

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Speaker 2: That's true.

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Speaker 1: I don't know what.

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Speaker 3: I should have. Sorry, what we're gonna say, just I

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Speaker 3: think they occasionally do like special exhibits that you might

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Speaker 3: pay for, but like a lot of it is free.

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Speaker 3: Oh okay, MGV is the same. There are parts I

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Speaker 3: actually not sure.

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Speaker 2: Yeah, sometimes MGV is free as well.

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Speaker 4: Actually, but that's just good to know if that if

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Speaker 4: it is an exhibition that you want to go to,

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Speaker 4: but they are actually charging for that. So these you know,

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Speaker 4: obviously again in Melbourne. I know that some of the

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Speaker 4: community members are not in Melbourne, but if you are

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Speaker 4: going on.

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Speaker 2: In your local area anyway, totally that could be like global.

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Speaker 3: Yeah, and there's some great apps and stuff that do

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Speaker 3: last minute tickets for shows, like I use last ticks.

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Speaker 3: I'm trying to win forty five they do like the lottery.

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Speaker 3: I'm trying to get the forty five dollars wikied tickets.

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Speaker 3: But they like it's like the end of the run

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Speaker 3: of a show. They'll usually yeah, because they they'll like

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Speaker 3: I guess a lot of people obviously, like every Wednesday

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Speaker 3: they go you can enter to like be able to

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Speaker 3: buy these like seven you're.

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Speaker 2: Always on to something. She actually is, She's just ridiculous.

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Speaker 2: You're always on. One of our girls at Zella Money

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Speaker 2: actually a kind of vibe. She's in New Zealand this

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Speaker 2: week for a holiday with her family, and I remember

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00:15:05,120 --> 00:15:07,240
Speaker 2: I was in New Zealand a little while ago and

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Speaker 2: they have you remember how I was obsessed with that

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Speaker 2: first table app? Oh yeah, yeah, So I was like,

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00:15:12,800 --> 00:15:15,800
Speaker 2: you can get on first table because they actually, like

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Speaker 2: lots of the restaurants in New Zealand are on first table,

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Speaker 2: which is if you haven't heard of it. Back you

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Speaker 2: get the app and the first table of the night,

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Speaker 2: like the bookings are like at five pm. She has kids,

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Speaker 2: so this works really well. You get fifty percent off

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Speaker 2: for being first in the door off your bill money.

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Speaker 2: We are okay, which kind of all comes out in

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Speaker 2: the wash.

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Speaker 3: When you're home in nine drink.

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Speaker 1: Guys.

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Speaker 2: Yeah, I did that on the weekend when I did

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Speaker 2: my thirty nine dollar all you can eat Japanese with

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Speaker 2: my family. We took my parents and my sister and

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Speaker 2: my husband and Harvey came and it was really good.

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Speaker 2: It turns out Harvey he's not that into Japanese yet,

364
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Speaker 2: but that's all. We'll work on that. Yeah, we had

365
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Speaker 2: a five thirty booking, so excited. We were back home

366
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Speaker 2: by like seven thirty eight. I was like this, guys,

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00:16:01,440 --> 00:16:03,760
Speaker 2: this is living. Yeah, no, I agree with that. Peak

368
00:16:03,800 --> 00:16:07,400
Speaker 2: motherhood yeah pee no, no, just pick living. Yeah, I

369
00:16:07,560 --> 00:16:09,240
Speaker 2: agree with that. What's your broke tip though?

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Speaker 4: Okay, so this one my best friend live actually told

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Speaker 4: me about this, which is like.

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Speaker 2: Some people lives broke tip. Sometimes you gotta do what

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Speaker 2: you gotta do. Yeah, that's that's broke away.

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00:16:19,800 --> 00:16:21,560
Speaker 4: I do have a few in the bank though, but

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00:16:21,600 --> 00:16:23,080
Speaker 4: I thought, you know, I'm going to spread them out,

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Speaker 4: So lives one is if you work in an office

377
00:16:25,560 --> 00:16:28,520
Speaker 4: environment or if you just like have like a trilliant housemates.

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00:16:28,760 --> 00:16:30,760
Speaker 4: You know, obviously like loyalty cards are really good to

379
00:16:30,880 --> 00:16:32,680
Speaker 4: keep on hand. This might be a little bit dodgy,

380
00:16:32,680 --> 00:16:35,360
Speaker 4: but what we do is you get everyone's coffee order,

381
00:16:35,560 --> 00:16:37,360
Speaker 4: You get everyone to pay you for the coffee order,

382
00:16:37,720 --> 00:16:39,120
Speaker 4: and then you get the and then you get the

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Speaker 4: free one. So you've paid nothing at all, do you

384
00:16:42,720 --> 00:16:44,080
Speaker 4: know what I mean? Like, you get the free you

385
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Speaker 4: put you deserve that.

386
00:16:45,560 --> 00:16:49,880
Speaker 2: That's not even payment for doing coffee, So no one

387
00:16:49,920 --> 00:16:51,840
Speaker 2: had to pay. They just allowed you to have the

388
00:16:51,920 --> 00:16:54,520
Speaker 2: free one. Exactly. So yeah, exactly. And if they want

389
00:16:54,520 --> 00:16:56,640
Speaker 2: to tick off their loyalty thing, they can go get

390
00:16:56,640 --> 00:16:59,080
Speaker 2: their own coffee and take it off in their own time. Yes,

391
00:16:59,240 --> 00:17:00,200
Speaker 2: exactly right.

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Speaker 4: So I feel like that's like I never thought to

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Speaker 4: do that, but I'm going to start doing that for sure,

394
00:17:03,720 --> 00:17:04,800
Speaker 4: like when I get a job.

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Speaker 2: Speaking of stuff that you can do at work, this

396
00:17:07,320 --> 00:17:10,320
Speaker 2: is probably not legal in any other organization except for

397
00:17:10,359 --> 00:17:15,040
Speaker 2: my own. Jess has her shot pack for work purchases.

398
00:17:15,160 --> 00:17:17,840
Speaker 2: Oh yeah, so I'm funding the purchase, she's getting the

399
00:17:17,920 --> 00:17:21,680
Speaker 2: cash back. Don't you know what I feel? It all's

400
00:17:21,720 --> 00:17:24,080
Speaker 2: fair in love and more. She I know she does

401
00:17:24,119 --> 00:17:27,480
Speaker 2: it if I really with permission, but like maybe ask

402
00:17:27,520 --> 00:17:30,439
Speaker 2: your boss. Like if you're an AA or you're, you know,

403
00:17:30,720 --> 00:17:33,760
Speaker 2: doing lots of transactions, you could literally be like, hey,

404
00:17:33,960 --> 00:17:35,960
Speaker 2: can I just add my shop back to this? Why

405
00:17:36,000 --> 00:17:36,720
Speaker 2: would they say no?

406
00:17:37,080 --> 00:17:39,240
Speaker 4: Or your rewards card if you're doing like all these

407
00:17:39,280 --> 00:17:40,879
Speaker 4: purchases for whatever.

408
00:17:41,000 --> 00:17:45,639
Speaker 2: But don't just do it like first, ask first, because

409
00:17:45,720 --> 00:17:48,639
Speaker 2: otherwise I think it could be constituted as fraud, and

410
00:17:48,880 --> 00:17:50,720
Speaker 2: we don't endorse.

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00:17:50,440 --> 00:17:53,760
Speaker 4: Fraud, no, not publicly exactly.

412
00:17:54,480 --> 00:17:59,160
Speaker 2: Jess is like, yeah, yeah, really really quickly.

413
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Speaker 4: I'm going to Japan next week and I just want

414
00:18:00,720 --> 00:18:03,840
Speaker 4: to say that I got really cheap tickets from the app.

415
00:18:03,640 --> 00:18:05,679
Speaker 2: Hold on hold on Japan? Did you know that she

416
00:18:05,760 --> 00:18:07,560
Speaker 2: was going to Japan? Did we know that she wasn't

417
00:18:07,600 --> 00:18:08,520
Speaker 2: going to be on the podcast?

418
00:18:09,040 --> 00:18:12,480
Speaker 4: Oh, let's tell everyone actually said I had no money,

419
00:18:12,480 --> 00:18:14,640
Speaker 4: but you gotta do what you gotta do sometimes.

420
00:18:14,359 --> 00:18:18,560
Speaker 2: All right, Jess and I yes, will man the desk.

421
00:18:18,800 --> 00:18:20,639
Speaker 4: Thank you, so we've got you, Thank you. I just

422
00:18:20,640 --> 00:18:22,119
Speaker 4: wanted to put that out there. I know the pilot

423
00:18:22,160 --> 00:18:23,879
Speaker 4: app is really really good for very cheap tickets.

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Speaker 3: I've hearsed that before.

425
00:18:26,520 --> 00:18:27,639
Speaker 2: Six hundred dollars return.

426
00:18:27,880 --> 00:18:29,400
Speaker 3: Oh my god, that's so cheap.

427
00:18:29,760 --> 00:18:30,920
Speaker 2: How do you learn about that app?

428
00:18:31,000 --> 00:18:33,600
Speaker 3: Did you get check luggage? You need to be wearing all.

429
00:18:34,080 --> 00:18:37,679
Speaker 2: I'm going to be wearing everything. Just think that's the

430
00:18:37,800 --> 00:18:48,080
Speaker 2: funniest thing that's ever ever ever happened. Think it. Sorry, Sam,

431
00:18:48,119 --> 00:18:50,960
Speaker 2: If you edit out that's snort, you're done. You're done.

432
00:18:51,000 --> 00:18:53,160
Speaker 2: That stays. The snort stays.

433
00:18:53,800 --> 00:18:54,919
Speaker 3: Did you get check blaggage?

434
00:18:55,560 --> 00:19:03,680
Speaker 2: I didn't. Why is no one? No one's concerned? Oh

435
00:19:03,800 --> 00:19:07,080
Speaker 2: my god. All right, guys, you know what, we know

436
00:19:07,160 --> 00:19:09,959
Speaker 2: what she's gonna do. Let's go to a break because

437
00:19:10,000 --> 00:19:11,920
Speaker 2: on the flip side, we're going to be talking about

438
00:19:12,160 --> 00:19:14,600
Speaker 2: why you should invest, and we're going to be unpacking

439
00:19:14,640 --> 00:19:16,920
Speaker 2: something you slid into our dams about This week, we're

440
00:19:16,960 --> 00:19:20,840
Speaker 2: talking about owing money to your friends, so guys, don't

441
00:19:20,880 --> 00:19:21,760
Speaker 2: go anywhere.

442
00:19:28,440 --> 00:19:30,679
Speaker 3: Welcome back, everybody. Let's take a listen to this week's

443
00:19:30,680 --> 00:19:31,400
Speaker 3: money dilemma.

444
00:19:33,880 --> 00:19:36,240
Speaker 2: Hi, there, have you got a money dilemma you just

445
00:19:36,280 --> 00:19:38,800
Speaker 2: can't solve that She's on the Money Team is here

446
00:19:38,840 --> 00:19:42,080
Speaker 2: to help. Every week we tackle your dilemmas, both big

447
00:19:42,119 --> 00:19:44,840
Speaker 2: and small, to answer your most burning money, career and

448
00:19:44,880 --> 00:19:48,080
Speaker 2: life questions. To get involved, simply head to our website

449
00:19:48,080 --> 00:19:50,240
Speaker 2: and leave us a short voice recording and you might

450
00:19:50,280 --> 00:19:52,840
Speaker 2: just find yourself on the show. Now, let's take a

451
00:19:52,880 --> 00:19:54,640
Speaker 2: listen to this week's money dilemma.

452
00:19:55,840 --> 00:19:59,560
Speaker 5: Hi, Fees on the Money Team. My question is why

453
00:19:59,600 --> 00:20:03,960
Speaker 5: should I I be investing rather than putting money into

454
00:20:04,440 --> 00:20:07,400
Speaker 5: my super account. I know that there's lots of chat

455
00:20:07,440 --> 00:20:12,800
Speaker 5: about micro investing and other platforms like chareseas, but I'm

456
00:20:12,800 --> 00:20:17,400
Speaker 5: a bit confused why that's beneficial over salary sacrificing and

457
00:20:17,520 --> 00:20:20,320
Speaker 5: putting money in my super with all of the tax benefits,

458
00:20:20,480 --> 00:20:23,480
Speaker 5: and it seems like a much safer option.

459
00:20:23,720 --> 00:20:26,840
Speaker 2: What do you guys reckon before I take over? Because

460
00:20:26,880 --> 00:20:28,240
Speaker 2: that's all I do.

461
00:20:28,960 --> 00:20:31,840
Speaker 4: I would only say that, like with super you can

462
00:20:31,920 --> 00:20:34,399
Speaker 4: get it after your sixty five would unless, like you know,

463
00:20:34,480 --> 00:20:39,199
Speaker 4: special circumstances. But so that's like, if you're investing, you

464
00:20:39,880 --> 00:20:42,520
Speaker 4: don't have to wait as long. Like forgive me if

465
00:20:42,560 --> 00:20:46,479
Speaker 4: I'm completely incorrect, but that's what my my thinking is.

466
00:20:46,720 --> 00:20:49,200
Speaker 3: Yeah, you're right, totally right. You can't access your super

467
00:20:49,280 --> 00:20:50,920
Speaker 3: unless you're putting in for like the first home super

468
00:20:50,920 --> 00:20:53,040
Speaker 3: save a scheme or something like that, you generally can't

469
00:20:53,080 --> 00:20:56,800
Speaker 3: access until you're sixty five, whereas your investments you can

470
00:20:56,880 --> 00:21:00,600
Speaker 3: liquidate them at any point. Right, all circumstance is allowing,

471
00:21:00,640 --> 00:21:03,080
Speaker 3: Like obviously it takes some time to process the tax,

472
00:21:03,280 --> 00:21:05,679
Speaker 3: like you tax benefits you have to take into account,

473
00:21:05,720 --> 00:21:08,440
Speaker 3: like it's something worth thinking, but they're not going to

474
00:21:08,480 --> 00:21:10,639
Speaker 3: be applicable to everyone. And I think a lot of

475
00:21:10,640 --> 00:21:15,240
Speaker 3: the time she mentioned our listener mentioned micro investing specifically,

476
00:21:15,560 --> 00:21:17,560
Speaker 3: I think a lot of the time, if people are

477
00:21:17,600 --> 00:21:20,440
Speaker 3: investing small amounts, we want you to be investing those

478
00:21:20,440 --> 00:21:23,359
Speaker 3: small amounts because they do grow into large amounts. But

479
00:21:23,440 --> 00:21:25,800
Speaker 3: the tax benefits that you may see from that may

480
00:21:25,800 --> 00:21:28,800
Speaker 3: not be quite so significant from my perspective, So you've

481
00:21:28,840 --> 00:21:31,560
Speaker 3: got to kind of weigh up what the tax benefit

482
00:21:31,680 --> 00:21:34,560
Speaker 3: is versus what you're doing. I mean, I think it's

483
00:21:34,640 --> 00:21:36,920
Speaker 3: it really is up to you personally. Like some people

484
00:21:36,920 --> 00:21:38,399
Speaker 3: do prefer to invest in a super, you don't have

485
00:21:38,400 --> 00:21:40,840
Speaker 3: as much control. I think, like you can't pick your

486
00:21:40,840 --> 00:21:45,320
Speaker 3: individual shares generally speaking, like you can't choose a platform

487
00:21:45,400 --> 00:21:48,000
Speaker 3: that's really user friendly. I think you just have more

488
00:21:48,000 --> 00:21:50,439
Speaker 3: control when you invest for yourself, which is what I like.

489
00:21:50,520 --> 00:21:52,800
Speaker 3: But that's not to say that investing in super is

490
00:21:52,840 --> 00:21:55,919
Speaker 3: a bad option at all. It just is to use

491
00:21:56,000 --> 00:21:59,239
Speaker 3: Victoria's favorite phrase, different horses for different courses. Where did

492
00:21:59,320 --> 00:22:01,080
Speaker 3: you even get that from? I don't know, but I

493
00:22:01,080 --> 00:22:02,760
Speaker 3: think it's so funny. So I use every chance that

494
00:22:02,760 --> 00:22:04,520
Speaker 3: I can courses.

495
00:22:04,720 --> 00:22:07,960
Speaker 2: I also like to say, not my circus, not my monkeys.

496
00:22:08,000 --> 00:22:10,360
Speaker 2: And I also like to say play stupid games, get

497
00:22:10,400 --> 00:22:11,160
Speaker 2: super prices.

498
00:22:11,359 --> 00:22:14,359
Speaker 4: Yeah, Peach, sorry, I don't want to talk about Peach

499
00:22:15,280 --> 00:22:16,439
Speaker 4: close Taylor Swift.

500
00:22:18,000 --> 00:22:19,000
Speaker 3: What's the thing.

501
00:22:20,160 --> 00:22:20,800
Speaker 2: Each to their?

502
00:22:20,800 --> 00:22:22,879
Speaker 4: Peach Sorry is what I try to say, and I

503
00:22:22,960 --> 00:22:23,800
Speaker 4: just sort up Peach.

504
00:22:24,119 --> 00:22:24,720
Speaker 2: I like that.

505
00:22:24,840 --> 00:22:25,280
Speaker 3: I like that.

506
00:22:25,359 --> 00:22:27,080
Speaker 2: It definitely sounds like something Jess would say.

507
00:22:27,400 --> 00:22:28,479
Speaker 3: Yeah, very cutesy.

508
00:22:28,640 --> 00:22:29,399
Speaker 2: It's very cutesy.

509
00:22:29,600 --> 00:22:31,000
Speaker 3: Lust you actually knows that they're talking about.

510
00:22:31,000 --> 00:22:33,639
Speaker 2: Perhaps all right, So first things first, should I be

511
00:22:33,680 --> 00:22:36,320
Speaker 2: investing rather than putting my money in my super account?

512
00:22:36,320 --> 00:22:39,359
Speaker 2: You are investing in both. So the one thing I

513
00:22:39,359 --> 00:22:41,800
Speaker 2: want you to understand about supranuation, or the one thing

514
00:22:41,800 --> 00:22:44,320
Speaker 2: I want you to take from this segment of the

515
00:22:44,320 --> 00:22:48,400
Speaker 2: podcast today, is that supranuation is not an investment. Supranuation

516
00:22:48,600 --> 00:22:52,720
Speaker 2: is a tax structure in which you invest under and

517
00:22:52,840 --> 00:22:55,320
Speaker 2: that tax structure exists to put you in a better

518
00:22:55,359 --> 00:22:58,560
Speaker 2: position for retirement because the government wants to support us

519
00:22:58,760 --> 00:23:02,160
Speaker 2: so that they don't have to pay many pensions. Makes sense, right,

520
00:23:02,560 --> 00:23:05,119
Speaker 2: But something that our listener said that I really wanted

521
00:23:05,119 --> 00:23:07,960
Speaker 2: to like stamp out really quickly is she said, I

522
00:23:08,040 --> 00:23:12,679
Speaker 2: know it's safer inside Super, and that is not true

523
00:23:12,840 --> 00:23:16,320
Speaker 2: at all, because if you're investing inside of Super or

524
00:23:16,359 --> 00:23:19,119
Speaker 2: outside of Super, the risk is exactly the same. The

525
00:23:19,200 --> 00:23:22,760
Speaker 2: tax structure of superannuation doesn't add any more security or

526
00:23:22,800 --> 00:23:26,280
Speaker 2: take any away because if you're investing inside Super and

527
00:23:26,320 --> 00:23:28,879
Speaker 2: you've got you know, some ETFs and a managed fund,

528
00:23:29,520 --> 00:23:31,600
Speaker 2: if you had that outside of Super, it's not more

529
00:23:31,720 --> 00:23:34,920
Speaker 2: or less secure. It's just a different type of asset. Right,

530
00:23:35,200 --> 00:23:37,760
Speaker 2: So I think it's important to understand that SUPER is

531
00:23:37,800 --> 00:23:40,159
Speaker 2: a tax structure that exists to put us in a

532
00:23:40,200 --> 00:23:44,119
Speaker 2: better financial position. You're right beg about being able to

533
00:23:44,200 --> 00:23:47,119
Speaker 2: access it after sixty five, and Jess, you are absolutely

534
00:23:47,119 --> 00:23:51,119
Speaker 2: correct about the control. So I like investing outside of

535
00:23:51,160 --> 00:23:54,200
Speaker 2: SUPER because I'll be able to access it before I

536
00:23:54,240 --> 00:23:56,320
Speaker 2: turn sixty five. And I want to be able to

537
00:23:56,320 --> 00:23:58,359
Speaker 2: access my money before then because I want to retire

538
00:23:58,400 --> 00:24:01,080
Speaker 2: before then, because old A is a privilege that is

539
00:24:01,119 --> 00:24:02,880
Speaker 2: denied to many people, and they don't want to wait

540
00:24:02,920 --> 00:24:05,320
Speaker 2: until I'm like sixty five or sixty seven or even

541
00:24:05,359 --> 00:24:07,920
Speaker 2: seventy before I get access to my cash holder.

542
00:24:08,040 --> 00:24:08,240
Speaker 3: Right.

543
00:24:08,880 --> 00:24:12,080
Speaker 2: But if we're talking about the tax benefits only, there

544
00:24:12,119 --> 00:24:14,120
Speaker 2: are a lot of tax benefits to putting your money

545
00:24:14,119 --> 00:24:16,720
Speaker 2: inside SUPER, And these numbers that I'm going to spit

546
00:24:16,880 --> 00:24:19,560
Speaker 2: at you are relevant for the First Home Super Savior Scheme,

547
00:24:19,600 --> 00:24:22,320
Speaker 2: which is a mouthful but also a really important thing

548
00:24:22,359 --> 00:24:24,800
Speaker 2: to take into consideration if you're saving for your first home,

549
00:24:25,119 --> 00:24:29,080
Speaker 2: because at this current point in time, you can contribute

550
00:24:29,160 --> 00:24:32,040
Speaker 2: up to fifty thousand dollars into the First Home Super

551
00:24:32,080 --> 00:24:35,520
Speaker 2: Savior Scheme, which at a marginal tax rate of thirty

552
00:24:35,560 --> 00:24:37,880
Speaker 2: two and a half percent, will mean, you are nine

553
00:24:37,960 --> 00:24:42,479
Speaker 2: and a half thousand dollars better off by using that scheme.

554
00:24:42,720 --> 00:24:45,240
Speaker 2: So that's nine and a half thousand dollars of what

555
00:24:45,359 --> 00:24:47,760
Speaker 2: I would say is free money, and we love free

556
00:24:47,760 --> 00:24:50,400
Speaker 2: money in this house, right, So what we are going

557
00:24:50,440 --> 00:24:52,560
Speaker 2: to do is a quick example. So let's say we

558
00:24:52,640 --> 00:24:56,840
Speaker 2: have ten thousand dollars of cash pre tax. You've just

559
00:24:56,880 --> 00:24:59,199
Speaker 2: earned it, beck and you're trying to decide whether it

560
00:24:59,240 --> 00:25:02,440
Speaker 2: goes into super or whether it goes into your investment

561
00:25:02,480 --> 00:25:05,760
Speaker 2: portfolio or your savings or just keeping in your bank account. Right,

562
00:25:05,920 --> 00:25:09,080
Speaker 2: So ten grand pre tax, if you put that into

563
00:25:09,080 --> 00:25:12,240
Speaker 2: your bank account and you're on a marginal tax rate

564
00:25:12,320 --> 00:25:14,280
Speaker 2: of thirty two and a half percent, which is you

565
00:25:14,359 --> 00:25:16,639
Speaker 2: earn between forty five thousand and one hundred and twenty

566
00:25:17,000 --> 00:25:20,040
Speaker 2: thousand ish dollars, that's you know, I think what most

567
00:25:20,040 --> 00:25:24,240
Speaker 2: of the population would fall into. That ten thousand dollars

568
00:25:24,680 --> 00:25:27,959
Speaker 2: post tax becomes six thousand, seven one hundred and fifty dollars,

569
00:25:28,560 --> 00:25:30,760
Speaker 2: So that's what goes into your bank account, and then

570
00:25:30,800 --> 00:25:33,800
Speaker 2: the rest goes to tax. If that amount of money

571
00:25:33,880 --> 00:25:37,480
Speaker 2: went into your supranuation instead of your personal bank account,

572
00:25:37,800 --> 00:25:40,560
Speaker 2: instead of being charged thirty two and a half percent

573
00:25:40,760 --> 00:25:44,960
Speaker 2: in tax, you would get the supranuation tax rate, which

574
00:25:45,000 --> 00:25:48,280
Speaker 2: is only fifteen percent, and that money would then be

575
00:25:48,359 --> 00:25:51,800
Speaker 2: worth eight thousand, five hundred, So it's worth more than

576
00:25:51,800 --> 00:25:55,080
Speaker 2: that six thousand, seven hundred and fifty dollars, which is

577
00:25:55,119 --> 00:25:58,280
Speaker 2: a difference of twenty one percent. So to be a

578
00:25:58,280 --> 00:26:00,879
Speaker 2: difference of twenty one percent, that's basically like an instant

579
00:26:00,880 --> 00:26:04,200
Speaker 2: return on your money right just by choosing the superannuation environment.

580
00:26:04,600 --> 00:26:06,639
Speaker 2: But does that mean that we should be investing all

581
00:26:06,640 --> 00:26:09,919
Speaker 2: our money in super because obviously you're making more. Absolutely not,

582
00:26:10,119 --> 00:26:13,200
Speaker 2: because it's locked away, and so we need to kind

583
00:26:13,200 --> 00:26:16,960
Speaker 2: of make this balance of how much is going to

584
00:26:16,960 --> 00:26:19,000
Speaker 2: be in SUPER for when I do retire versus how

585
00:26:19,040 --> 00:26:21,919
Speaker 2: much is going to help me achieve my goals today?

586
00:26:22,040 --> 00:26:24,080
Speaker 2: How much is going to help me, you know, be

587
00:26:24,119 --> 00:26:26,639
Speaker 2: in the best possible financial position. Do I want to

588
00:26:26,640 --> 00:26:29,360
Speaker 2: invest outside of super so that I can achieve financial

589
00:26:29,400 --> 00:26:33,640
Speaker 2: freedom earlier? It's a fine balance between what you're doing

590
00:26:33,680 --> 00:26:38,080
Speaker 2: inside and outside of SUPER. If you asked me personally, Victoria,

591
00:26:38,160 --> 00:26:41,199
Speaker 2: do you add additional money to your super so that

592
00:26:41,240 --> 00:26:42,960
Speaker 2: you know you can make the most of that At

593
00:26:42,960 --> 00:26:46,240
Speaker 2: this point in my life, No, because I really want

594
00:26:46,280 --> 00:26:49,520
Speaker 2: financial freedom before I retire some point when I'm a

595
00:26:49,520 --> 00:26:51,679
Speaker 2: little bit more, you know cash they could, and you

596
00:26:51,720 --> 00:26:54,520
Speaker 2: know my businesses are able to pay me a bit more,

597
00:26:54,600 --> 00:26:57,720
Speaker 2: I will put more money into SUPER. But right now

598
00:26:57,880 --> 00:27:01,879
Speaker 2: my goal is actually my mortgage and paying for Harvey's

599
00:27:02,080 --> 00:27:05,480
Speaker 2: future education and all of those things that are important

600
00:27:05,480 --> 00:27:08,879
Speaker 2: to my husband and I. So just because on paper

601
00:27:08,920 --> 00:27:12,560
Speaker 2: it's twenty one percent better, that doesn't mean that that

602
00:27:12,640 --> 00:27:15,440
Speaker 2: works for me. So I think the important thing here

603
00:27:15,560 --> 00:27:20,040
Speaker 2: is really understanding that, No, it doesn't necessarily mean that

604
00:27:20,200 --> 00:27:23,880
Speaker 2: SUPER safer. SUPER feels safer because we like structure, and

605
00:27:24,040 --> 00:27:26,320
Speaker 2: superannuation is forced upon us, so you have to have

606
00:27:26,359 --> 00:27:28,800
Speaker 2: it back, and because it's always been there, you assume

607
00:27:28,880 --> 00:27:31,280
Speaker 2: it's a safe option. But that doesn't mean that investing

608
00:27:31,320 --> 00:27:33,920
Speaker 2: outside of SUPER is unsafe. You just have to make

609
00:27:33,960 --> 00:27:36,560
Speaker 2: a decision that's in line with your risk profile. So

610
00:27:36,880 --> 00:27:39,440
Speaker 2: for me, the safety thing, I just wanted to stamp

611
00:27:39,480 --> 00:27:41,720
Speaker 2: that out really quickly. Is it better to put it

612
00:27:41,760 --> 00:27:44,960
Speaker 2: in SUPER? The answer is very unclear because I don't

613
00:27:44,960 --> 00:27:47,399
Speaker 2: know your personal circumstances. But what I need you to

614
00:27:47,480 --> 00:27:52,120
Speaker 2: understand is that tax environment can be beneficial, but it's

615
00:27:52,160 --> 00:27:55,480
Speaker 2: not as accessible, and that's where I go, well, what's

616
00:27:55,520 --> 00:27:58,080
Speaker 2: going to work for you? Right now? You're able to

617
00:27:58,119 --> 00:28:01,320
Speaker 2: contribute up to twenty seven thousand, five hundred dollars each

618
00:28:01,480 --> 00:28:05,679
Speaker 2: financial year to your superannuation and get that fifteen percent

619
00:28:05,760 --> 00:28:08,199
Speaker 2: tax rate above and beyond that you go back to

620
00:28:08,200 --> 00:28:11,879
Speaker 2: your marginal tax rate. So it's completely up to you

621
00:28:11,960 --> 00:28:15,280
Speaker 2: what you do. But if you're thinking about the first

622
00:28:15,280 --> 00:28:18,639
Speaker 2: time super savior scheme, great scheme, great scheme, nine and

623
00:28:18,640 --> 00:28:21,080
Speaker 2: a half thousand dollars better off if you were to

624
00:28:21,200 --> 00:28:25,200
Speaker 2: think about using that over a five year period. That's

625
00:28:25,240 --> 00:28:27,439
Speaker 2: my rant on supranuation. Thank you for coming to my

626
00:28:27,480 --> 00:28:31,760
Speaker 2: Ted Talk solid advice. Yeah, that's great. Oh thanks thanks.

627
00:28:31,760 --> 00:28:34,400
Speaker 2: That's all I've got though, So let's move on. We

628
00:28:34,560 --> 00:28:37,119
Speaker 2: had a DM this week. Are you guys ready to

629
00:28:37,200 --> 00:28:40,760
Speaker 2: unpack it? Very good? All right, Hi, she's on the money.

630
00:28:40,840 --> 00:28:43,840
Speaker 2: I have a money dilemma. My Bessie really wanted me

631
00:28:43,880 --> 00:28:46,200
Speaker 2: to come on a holiday with her to Bali. She

632
00:28:46,280 --> 00:28:48,960
Speaker 2: was trying to convince me for a full month. I

633
00:28:49,040 --> 00:28:51,959
Speaker 2: told her I would love to, but probably couldn't because

634
00:28:52,040 --> 00:28:54,800
Speaker 2: I didn't have the cash. No problem. If you're beck though,

635
00:28:54,800 --> 00:29:02,360
Speaker 2: Hey true little jabb going to Japan. Yeah, no, you're

636
00:29:02,400 --> 00:29:05,760
Speaker 2: so right, I won't no judgment. I love you and

637
00:29:05,920 --> 00:29:07,840
Speaker 2: all of the decisions do you make. Thank you so much,

638
00:29:08,040 --> 00:29:10,840
Speaker 2: she said. In response, she said she was more than

639
00:29:10,880 --> 00:29:12,640
Speaker 2: happy to loan me the money if it meant that

640
00:29:12,680 --> 00:29:14,920
Speaker 2: they could go on the holiday together, which is really nice.

641
00:29:15,080 --> 00:29:17,560
Speaker 2: We have been friends for years, so I didn't think

642
00:29:17,560 --> 00:29:19,240
Speaker 2: that this was weird. I took her up on it,

643
00:29:19,320 --> 00:29:21,800
Speaker 2: telling her I would need about three months post trip

644
00:29:21,840 --> 00:29:24,080
Speaker 2: to pay her back, and she was really okay with that.

645
00:29:24,520 --> 00:29:27,040
Speaker 2: She paid three thousand dollars for me and we had

646
00:29:27,120 --> 00:29:30,560
Speaker 2: the best time. But we've been home for a couple

647
00:29:30,640 --> 00:29:32,320
Speaker 2: of weeks and she's told me that she needs the

648
00:29:32,360 --> 00:29:35,560
Speaker 2: money now. She's spontaneously decided to move out of home.

649
00:29:35,680 --> 00:29:38,920
Speaker 2: Post getting home, she saw someone post on Instagram with

650
00:29:38,960 --> 00:29:41,080
Speaker 2: a free room up for rent for a few months

651
00:29:41,080 --> 00:29:43,760
Speaker 2: and took them up on it really quickly. I literally

652
00:29:43,800 --> 00:29:45,440
Speaker 2: can't pay her now or I wouldn't be able to

653
00:29:45,480 --> 00:29:47,880
Speaker 2: pay my rent and buy food. What do I say

654
00:29:47,880 --> 00:29:50,239
Speaker 2: to her? We agreed to three months, but it is

655
00:29:50,280 --> 00:29:52,080
Speaker 2: her money, and if she wants it now, do I

656
00:29:52,120 --> 00:29:55,080
Speaker 2: have to cough it up as help? Okay?

657
00:29:55,200 --> 00:29:58,520
Speaker 4: So I find myself in this situation a lot actually

658
00:29:58,560 --> 00:30:01,720
Speaker 4: going to Japan. My rent actually offered me money to go,

659
00:30:01,920 --> 00:30:05,360
Speaker 4: and that's one of the reasons why I am able to.

660
00:30:06,400 --> 00:30:10,200
Speaker 2: It's really funny. It's very well timed. It's really Yeah,

661
00:30:10,240 --> 00:30:12,360
Speaker 2: it's not a plan, it's just very well timed. I

662
00:30:12,400 --> 00:30:15,240
Speaker 2: just think it's so funny. Yeah, this is so because

663
00:30:15,280 --> 00:30:17,040
Speaker 2: I didn't say anything to you guys before. No, no,

664
00:30:17,120 --> 00:30:18,360
Speaker 2: we had no idea.

665
00:30:18,520 --> 00:30:21,920
Speaker 4: So I guess the thing is, I have borrowed money

666
00:30:21,920 --> 00:30:23,800
Speaker 4: from friends before. I always pay it back when I

667
00:30:23,880 --> 00:30:28,280
Speaker 4: say I will. I guess like your friend, unfortunately, has

668
00:30:28,960 --> 00:30:31,320
Speaker 4: gone back on what she said. You have an agreement.

669
00:30:31,400 --> 00:30:32,800
Speaker 4: It's kind of like the same as like say you're

670
00:30:32,800 --> 00:30:35,040
Speaker 4: borrowing from a bank or whatever, Like you have X

671
00:30:35,040 --> 00:30:37,440
Speaker 4: amount of time to pay it back. When you agreed

672
00:30:37,480 --> 00:30:40,760
Speaker 4: to this, you didn't have the anxiety and stress and

673
00:30:40,840 --> 00:30:43,160
Speaker 4: pressure of having to pay immediately as soon as you

674
00:30:43,200 --> 00:30:45,000
Speaker 4: got back, and so that's why you agreed to do it.

675
00:30:45,120 --> 00:30:47,000
Speaker 4: That's why you went and had a great time. I

676
00:30:47,080 --> 00:30:49,000
Speaker 4: understand that it's her money and she is like, you know,

677
00:30:49,440 --> 00:30:51,800
Speaker 4: she's owed that money and she will get that money back.

678
00:30:52,040 --> 00:30:52,760
Speaker 2: But if I.

679
00:30:52,720 --> 00:30:55,720
Speaker 4: Feel like if this person knew that they would have

680
00:30:55,760 --> 00:30:58,360
Speaker 4: to pay it immediately, as soon as they got back,

681
00:30:58,480 --> 00:31:00,680
Speaker 4: or like within the first few weeks, they would have

682
00:31:00,680 --> 00:31:03,120
Speaker 4: definitely said no, they actually can't ford this. If you

683
00:31:03,200 --> 00:31:06,120
Speaker 4: have all the information available to you and you agree

684
00:31:06,160 --> 00:31:08,520
Speaker 4: to do it, but then you just can't make it happen,

685
00:31:09,080 --> 00:31:11,880
Speaker 4: that's the story for another time. But this is like

686
00:31:12,040 --> 00:31:15,040
Speaker 4: you had all the information given to you, you thought

687
00:31:15,080 --> 00:31:16,880
Speaker 4: you had X amount of time to pay back, and

688
00:31:16,920 --> 00:31:19,320
Speaker 4: now your friends kind of come back and be like, no,

689
00:31:19,360 --> 00:31:21,200
Speaker 4: I need it now, which is completely unfair to you.

690
00:31:21,280 --> 00:31:23,280
Speaker 2: I feel like your friend is in the wrong here.

691
00:31:23,640 --> 00:31:24,600
Speaker 2: Obviously it is their money.

692
00:31:24,640 --> 00:31:27,080
Speaker 4: They do need their money back eventually, but if you

693
00:31:27,120 --> 00:31:28,760
Speaker 4: had that information, you probably wouldn't have gone.

694
00:31:28,800 --> 00:31:30,240
Speaker 2: I think if your friend had said, yeah, you'll have

695
00:31:30,280 --> 00:31:31,760
Speaker 2: to pay me back when you get back, you would

696
00:31:31,760 --> 00:31:33,760
Speaker 2: have been like, well, I just can't go then. Thanks though,

697
00:31:34,000 --> 00:31:36,440
Speaker 2: and they should be aware of that, right, Like you

698
00:31:36,600 --> 00:31:39,600
Speaker 2: literally were being convinced for a month to take them

699
00:31:39,680 --> 00:31:42,120
Speaker 2: up on this offer, right, Like, I feel like it

700
00:31:42,240 --> 00:31:44,160
Speaker 2: is kind of unfair. Just what are your thoughts?

701
00:31:44,280 --> 00:31:47,560
Speaker 3: I completely agree, Like, I think the changing last minute,

702
00:31:47,600 --> 00:31:49,920
Speaker 3: especially over something that's not necessary, like if the friend

703
00:31:49,960 --> 00:31:52,280
Speaker 3: had had a medical emergency and I'm like, well I

704
00:31:52,320 --> 00:31:54,000
Speaker 3: have to pay for a surgery. I could be a

705
00:31:54,000 --> 00:31:57,840
Speaker 3: bit more understanding, but she's making a choice. It seems

706
00:31:57,880 --> 00:31:59,640
Speaker 3: to me that perhaps she wasn't in the position to

707
00:31:59,720 --> 00:32:03,080
Speaker 3: lend the money. And I have a perspective on this

708
00:32:03,240 --> 00:32:06,320
Speaker 3: that is said with lots of love and care, but

709
00:32:06,400 --> 00:32:09,479
Speaker 3: I think across the board, perhaps we're not all managing

710
00:32:09,480 --> 00:32:12,120
Speaker 3: our money in the most responsible way in this scenario.

711
00:32:12,200 --> 00:32:15,160
Speaker 3: I think that if you're going to lend somebody money,

712
00:32:15,200 --> 00:32:17,240
Speaker 3: you should be able to function without it for a

713
00:32:17,240 --> 00:32:21,200
Speaker 3: significant period of time, unless it's a super emergency. Again,

714
00:32:21,240 --> 00:32:22,600
Speaker 3: if you've got a friend in trouble and you can

715
00:32:22,640 --> 00:32:25,160
Speaker 3: help them by all means. But I think like in

716
00:32:25,200 --> 00:32:27,480
Speaker 3: this case, if she was going to pay for a

717
00:32:27,480 --> 00:32:30,600
Speaker 3: holiday for someone, which is obviously a luxury, she probably

718
00:32:30,600 --> 00:32:32,880
Speaker 3: should have ideally been in a bit more of a

719
00:32:32,920 --> 00:32:36,080
Speaker 3: financially stable position where she wouldn't have to go back

720
00:32:36,120 --> 00:32:39,120
Speaker 3: on her word and ask for it sooner. On the

721
00:32:39,160 --> 00:32:42,400
Speaker 3: flip side, I also think that if you can't afford

722
00:32:42,520 --> 00:32:45,680
Speaker 3: to pay for a holiday, I don't know that it's

723
00:32:45,920 --> 00:32:48,360
Speaker 3: the best or most responsible choice to go.

724
00:32:48,440 --> 00:32:49,800
Speaker 2: I'm really sorry.

725
00:32:49,280 --> 00:32:52,600
Speaker 3: I feel incredibly bad saying this year after you've just

726
00:32:52,640 --> 00:32:53,760
Speaker 3: been so excited.

727
00:32:53,920 --> 00:32:58,400
Speaker 2: Sorry, sometimes it needs to hear the truth. And we

728
00:32:58,480 --> 00:33:01,520
Speaker 2: love Beck, but like, I don't think it's going to

729
00:33:01,560 --> 00:33:03,160
Speaker 2: come as a surprise that if she said, V, do

730
00:33:03,200 --> 00:33:05,160
Speaker 2: you think this is a good idea? Beck, I will

731
00:33:05,320 --> 00:33:08,360
Speaker 2: outwardly say Beck, I think it's a terrible idea. But

732
00:33:08,960 --> 00:33:12,040
Speaker 2: I also know that Beck just does whatever she wants,

733
00:33:12,080 --> 00:33:14,440
Speaker 2: like no, but I'm not the boss of you, and

734
00:33:14,480 --> 00:33:18,000
Speaker 2: my opinion is worth literally nothing like it.

735
00:33:18,280 --> 00:33:19,080
Speaker 3: It's my opinion.

736
00:33:19,120 --> 00:33:20,800
Speaker 2: You could put it in the bin, you could take it,

737
00:33:20,840 --> 00:33:22,760
Speaker 2: you can do whatever you want with it. You haven't

738
00:33:22,760 --> 00:33:25,000
Speaker 2: asked me if it's a good idea, and it's not

739
00:33:25,160 --> 00:33:27,920
Speaker 2: my place to say so. Or is this money diarist

740
00:33:28,040 --> 00:33:30,200
Speaker 2: or this you know member of our community is like, V,

741
00:33:30,400 --> 00:33:32,120
Speaker 2: what are you doing? In that case, I'll give you

742
00:33:32,200 --> 00:33:35,040
Speaker 2: my opinion, But like, you're in a position, Beck, where

743
00:33:35,200 --> 00:33:38,000
Speaker 2: you know you've got all the resources. You've already said, look,

744
00:33:38,000 --> 00:33:40,480
Speaker 2: I probably know I shouldn't, but you're in a position

745
00:33:40,520 --> 00:33:43,080
Speaker 2: where you feel comfortable to do that. You're probably really

746
00:33:43,120 --> 00:33:45,520
Speaker 2: comfy with a friend who's making this decision with you,

747
00:33:45,840 --> 00:33:49,239
Speaker 2: and like Yollo, like, yeah, you know it's kind of

748
00:33:49,320 --> 00:33:51,200
Speaker 2: like you know, Jess, I don't know the ins and

749
00:33:51,240 --> 00:33:54,200
Speaker 2: outs of your relationship and it's not you don't know everything.

750
00:33:54,280 --> 00:33:57,840
Speaker 2: You can't judge someone for the decisions they're making. I mean,

751
00:33:57,880 --> 00:33:59,440
Speaker 2: I wouldn't get on the podcast and be like, do

752
00:33:59,480 --> 00:34:03,840
Speaker 2: what Beck do? Like no, but really it's in Beck's

753
00:34:03,880 --> 00:34:06,480
Speaker 2: best interests because she's probably weighed up the pros and cons.

754
00:34:06,560 --> 00:34:08,120
Speaker 2: As you said, I know who it is like, and

755
00:34:08,160 --> 00:34:10,560
Speaker 2: I know you two have a very close relationship and

756
00:34:10,600 --> 00:34:12,840
Speaker 2: it's not going to go south. Yeah, So it's fine.

757
00:34:13,080 --> 00:34:14,320
Speaker 3: Yeah, but it's.

758
00:34:14,120 --> 00:34:16,600
Speaker 2: Different for everybody, and you can't just give the blanket

759
00:34:16,640 --> 00:34:19,839
Speaker 2: advice that what Beck's up to is absolutely fine, because

760
00:34:19,840 --> 00:34:22,200
Speaker 2: look what's happened to this member of our community. Her

761
00:34:22,200 --> 00:34:25,960
Speaker 2: friends come back and changed the dynamics, and that's a

762
00:34:26,040 --> 00:34:27,600
Speaker 2: really tricky position to be in.

763
00:34:28,000 --> 00:34:29,960
Speaker 3: And that's why I kind of feel like hindsight is

764
00:34:30,000 --> 00:34:32,120
Speaker 3: twenty twenty and like, obviously it's all well and good

765
00:34:32,120 --> 00:34:33,800
Speaker 3: for me to say, oh, like you probably shouldn't have

766
00:34:33,840 --> 00:34:35,440
Speaker 3: gone on the trip if you couldn't afford her, but like,

767
00:34:35,480 --> 00:34:37,120
Speaker 3: the trip is done and she had a great time,

768
00:34:37,160 --> 00:34:40,160
Speaker 3: and that's awesome. So I guess from here my advice

769
00:34:40,200 --> 00:34:43,000
Speaker 3: would be that you you I feel like I say

770
00:34:43,000 --> 00:34:44,360
Speaker 3: this every time, but you really need to tell your

771
00:34:44,360 --> 00:34:46,920
Speaker 3: friend what you told us, like, yeah, it's I completely

772
00:34:46,960 --> 00:34:48,719
Speaker 3: agree with what you were saying, Beck that it's it's

773
00:34:48,840 --> 00:34:52,359
Speaker 3: very unreasonable of her friend to shift the goalposts. And

774
00:34:52,400 --> 00:34:55,120
Speaker 3: I think that if there is any wiggle room for

775
00:34:55,160 --> 00:34:58,319
Speaker 3: you to expedite the repayments, try to do that, but

776
00:34:58,400 --> 00:35:01,759
Speaker 3: not obviously at the sacri or the cost of being

777
00:35:01,760 --> 00:35:04,040
Speaker 3: able to feed yourself, being able to pay your rent, Like,

778
00:35:04,080 --> 00:35:06,840
Speaker 3: those things have to come first. Your physical safety and

779
00:35:06,880 --> 00:35:10,040
Speaker 3: health has to come first. And I guess the other

780
00:35:10,080 --> 00:35:13,920
Speaker 3: thing that i'd mention is reviewing your discretionary spending because

781
00:35:14,000 --> 00:35:15,719
Speaker 3: the fact that you went on this holiday when you

782
00:35:15,719 --> 00:35:18,760
Speaker 3: maybe couldn't quite afford it says to me that maybe

783
00:35:18,760 --> 00:35:21,040
Speaker 3: we're being a little flexy with our budget what we're

784
00:35:21,080 --> 00:35:24,280
Speaker 3: choosing to spend on, which is fine normally that's totally

785
00:35:24,360 --> 00:35:27,560
Speaker 3: your call, but I think that we've kind of had

786
00:35:27,600 --> 00:35:30,680
Speaker 3: the flip side of this as a question or a

787
00:35:30,719 --> 00:35:33,600
Speaker 3: dilemma before. You know, if you've said to your friend, hey,

788
00:35:33,680 --> 00:35:35,759
Speaker 3: I really can't pay you back yet, we've got this

789
00:35:35,840 --> 00:35:38,320
Speaker 3: agreed timeline. Can I do it over the three months?

790
00:35:38,880 --> 00:35:41,160
Speaker 3: And that's reasonable because that's what you agreed to. But

791
00:35:41,280 --> 00:35:44,240
Speaker 3: if she then saw you going on a weekend away

792
00:35:44,800 --> 00:35:48,400
Speaker 3: or blowing all your money on new shoes or something.

793
00:35:48,560 --> 00:35:51,319
Speaker 3: Then I can understand how the friend would also feel

794
00:35:51,320 --> 00:35:54,400
Speaker 3: a little bit put out. So I think, like just

795
00:35:54,440 --> 00:35:57,480
Speaker 3: making sure that on both sides we're doing everything we

796
00:35:57,560 --> 00:36:00,520
Speaker 3: can to be fair and reasonable your prior urtizing that

797
00:36:00,560 --> 00:36:03,920
Speaker 3: debt repayment. It is so annoying that that timeline that

798
00:36:04,000 --> 00:36:07,000
Speaker 3: she's trying to change it. And I completely empathize with

799
00:36:07,040 --> 00:36:09,200
Speaker 3: you because that's not what you discussed. You did the

800
00:36:09,239 --> 00:36:11,520
Speaker 3: right thing and you put a timeframe on upfront, which

801
00:36:11,560 --> 00:36:14,040
Speaker 3: was a great call. Very well done from you. That

802
00:36:14,120 --> 00:36:16,480
Speaker 3: was so smart. But you know, doing everything you can

803
00:36:16,560 --> 00:36:19,800
Speaker 3: to pay her back as quickly as possible where possible.

804
00:36:19,840 --> 00:36:22,800
Speaker 2: I find that it's so hard because I mean flipping

805
00:36:22,800 --> 00:36:25,320
Speaker 2: the tables only because it seems really relevant at the moment.

806
00:36:25,560 --> 00:36:28,520
Speaker 2: I'm assuming Beck, if you thought that that would happen

807
00:36:28,600 --> 00:36:30,680
Speaker 2: to you and the second you got back you'd o

808
00:36:30,760 --> 00:36:32,480
Speaker 2: the money, you probably would have said no to Japan,

809
00:36:32,600 --> 00:36:35,560
Speaker 2: right totally. Yeah, that's true. Whereas right now you're like, oh,

810
00:36:35,560 --> 00:36:37,799
Speaker 2: I feel really comfortable and you trust the person to,

811
00:36:38,440 --> 00:36:40,319
Speaker 2: you know, work with the terms that you've set up

812
00:36:40,360 --> 00:36:43,320
Speaker 2: between the two of you. Yes, So Beck's not worried

813
00:36:43,320 --> 00:36:47,120
Speaker 2: about that. You'd feel pretty muckdover if you got back

814
00:36:47,160 --> 00:36:48,560
Speaker 2: in your friend was like, oh, Beck, you have to

815
00:36:48,560 --> 00:36:50,360
Speaker 2: pay me this week. You'd be like, well, I can't.

816
00:36:50,560 --> 00:36:53,600
Speaker 2: Like that's a stressful position I wouldn't have accepted in

817
00:36:53,600 --> 00:36:56,319
Speaker 2: the first place. So I feel like, yeah, maybe just

818
00:36:56,360 --> 00:36:58,960
Speaker 2: going to your friend. Hey, I really like this is

819
00:36:59,000 --> 00:37:01,680
Speaker 2: why we agreed to the because I genuinely couldn't.

820
00:37:01,760 --> 00:37:02,720
Speaker 3: Like that's what's doable.

821
00:37:02,920 --> 00:37:04,839
Speaker 2: Yeah, and maybe try and work with them as well

822
00:37:04,880 --> 00:37:06,400
Speaker 2: and be like, is there anything I can help you

823
00:37:06,480 --> 00:37:08,440
Speaker 2: with in the short term, Like, you know, maybe I

824
00:37:08,440 --> 00:37:11,640
Speaker 2: could do two payments instead of one, but like that's

825
00:37:11,680 --> 00:37:14,400
Speaker 2: probably it. So I think just negotiating with them. But

826
00:37:14,440 --> 00:37:18,719
Speaker 2: when it comes to lending money to friends, I do it.

827
00:37:18,840 --> 00:37:20,040
Speaker 2: At the end of the day, I feel like we're

828
00:37:20,080 --> 00:37:22,440
Speaker 2: in a cost of living crisis, and I feel very

829
00:37:22,520 --> 00:37:25,800
Speaker 2: privileged that if my friends are stuck in a hard place,

830
00:37:25,920 --> 00:37:28,120
Speaker 2: they are comfortable enough to share that with me, and

831
00:37:28,280 --> 00:37:31,439
Speaker 2: I am in the very privileged position to be able

832
00:37:31,440 --> 00:37:33,600
Speaker 2: to help. And I love that I'm that type of

833
00:37:33,640 --> 00:37:35,799
Speaker 2: person that like I just feel like, I don't know,

834
00:37:35,840 --> 00:37:37,560
Speaker 2: I really like that I can be that person for

835
00:37:37,640 --> 00:37:41,600
Speaker 2: my family and for my friends, right, But I always

836
00:37:41,680 --> 00:37:45,319
Speaker 2: lend money with the idea in my head that I

837
00:37:45,360 --> 00:37:47,640
Speaker 2: will either lose the money or lose a friend, and

838
00:37:47,680 --> 00:37:50,040
Speaker 2: I have to be happy with one of those outcomes. Yeah,

839
00:37:50,080 --> 00:37:52,000
Speaker 2: I don't want to lose my friend. I'd prefer to

840
00:37:52,000 --> 00:37:54,000
Speaker 2: lose the money, and like, it's on me if I

841
00:37:54,080 --> 00:37:56,439
Speaker 2: lend it and it doesn't come back. But if you're

842
00:37:56,520 --> 00:37:59,359
Speaker 2: not comfortable with either losing the money or losing a friend,

843
00:37:59,360 --> 00:38:01,879
Speaker 2: you shouldn't be ending money out. Yeah, like, because it's

844
00:38:01,880 --> 00:38:04,160
Speaker 2: one or the other that you will lose if you're

845
00:38:04,160 --> 00:38:06,160
Speaker 2: not happy with that. So I'm not saying that you

846
00:38:06,160 --> 00:38:07,799
Speaker 2: will lose your money and you will lose your friend.

847
00:38:07,960 --> 00:38:09,120
Speaker 3: Yes, nothing happy.

848
00:38:09,239 --> 00:38:12,399
Speaker 2: Ideally, nothing happens. You know, they're a friend like Beck

849
00:38:12,440 --> 00:38:14,600
Speaker 2: who pays it back, you know, as soon as they can,

850
00:38:14,680 --> 00:38:17,200
Speaker 2: and we don't even talk about it ever again. But

851
00:38:17,880 --> 00:38:19,680
Speaker 2: I think that you have to really go well, if

852
00:38:19,719 --> 00:38:22,239
Speaker 2: I'm willing to do this, I also have to be

853
00:38:22,280 --> 00:38:25,000
Speaker 2: willing to lose one of those things, because I don't

854
00:38:25,040 --> 00:38:26,919
Speaker 2: want to lose my friends. I'd much prefer to lose

855
00:38:26,960 --> 00:38:28,600
Speaker 2: you know, the five hundred bucks, I'd lent them. But

856
00:38:28,640 --> 00:38:30,719
Speaker 2: I think you need to kind of put yourself in

857
00:38:30,760 --> 00:38:33,040
Speaker 2: that position, and if you're not willing to lose that cash,

858
00:38:33,160 --> 00:38:35,759
Speaker 2: you actually can't lend it out. Yeah, and that would

859
00:38:35,760 --> 00:38:37,880
Speaker 2: be a okay. Well, maybe we plan a holiday for

860
00:38:37,920 --> 00:38:40,479
Speaker 2: in twelve months, because a lot of the time these

861
00:38:40,520 --> 00:38:43,319
Speaker 2: things are yes, you can't go right now. Well why

862
00:38:43,320 --> 00:38:45,640
Speaker 2: can't we plan it for in the future. You don't

863
00:38:45,640 --> 00:38:49,120
Speaker 2: necessarily have to miss out completely. But yeah, I think

864
00:38:49,120 --> 00:38:52,200
Speaker 2: it's an interesting perspective. We did ask the community and

865
00:38:52,200 --> 00:38:55,040
Speaker 2: we said, would you ever borrow money off a friend

866
00:38:55,080 --> 00:38:58,040
Speaker 2: for a holiday, and nine percent of you said yes,

867
00:38:58,239 --> 00:39:01,000
Speaker 2: I would trust my friends, so it's fine. Ninety one

868
00:39:01,040 --> 00:39:03,760
Speaker 2: percent of you said no, things could get too messy.

869
00:39:04,360 --> 00:39:06,560
Speaker 2: We also asked you, do you think this person needs

870
00:39:06,560 --> 00:39:09,800
Speaker 2: to pay back the money right now? And eight percent

871
00:39:09,800 --> 00:39:12,200
Speaker 2: of you said yes, only eight percent of you, So

872
00:39:12,280 --> 00:39:14,480
Speaker 2: I think everybody else is sitting on our side of

873
00:39:14,520 --> 00:39:16,480
Speaker 2: the table where we're like, well, that's so unfair to

874
00:39:16,600 --> 00:39:20,239
Speaker 2: change the goalposts, because ninety two percent of you said no,

875
00:39:20,280 --> 00:39:22,720
Speaker 2: they'd agreed on three months time. You need to stick

876
00:39:22,760 --> 00:39:25,360
Speaker 2: to it. We then asked, do you think it's okay

877
00:39:25,400 --> 00:39:27,719
Speaker 2: for the friend to change their agreement and ask for

878
00:39:27,760 --> 00:39:30,719
Speaker 2: the money back. Ninety three percent of you said no,

879
00:39:30,960 --> 00:39:33,600
Speaker 2: shouldn't have offered it if she didn't mean it, and

880
00:39:33,640 --> 00:39:36,560
Speaker 2: then obviously seven percent of you said yes, so money,

881
00:39:36,600 --> 00:39:40,279
Speaker 2: she can ask for it back whenever she wants, which no,

882
00:39:40,320 --> 00:39:40,680
Speaker 2: you can't.

883
00:39:40,760 --> 00:39:42,839
Speaker 3: I feel like it's not such a simple thing where

884
00:39:42,880 --> 00:39:44,919
Speaker 3: you're going, oh, like I said, you could borrow my sweater,

885
00:39:45,000 --> 00:39:46,560
Speaker 3: but actually I want to wear a sweater like it's

886
00:39:48,040 --> 00:39:51,040
Speaker 3: to me, it's a much bigger thing. And you're lending

887
00:39:51,040 --> 00:39:53,920
Speaker 3: the money knowing that your friend is in a tight

888
00:39:53,960 --> 00:39:56,000
Speaker 3: spot financially, like you're offering to help them out of

889
00:39:56,040 --> 00:39:58,200
Speaker 3: that spot, which is very kind and very well meaning,

890
00:39:58,560 --> 00:40:00,720
Speaker 3: but the amount of stress that you're then on them

891
00:40:00,840 --> 00:40:02,520
Speaker 3: by going ha ha, just kidding. I need it back

892
00:40:02,520 --> 00:40:04,560
Speaker 3: because I want to move out into this free room.

893
00:40:05,320 --> 00:40:07,080
Speaker 3: Like as much as it sucks, I feel like the

894
00:40:07,120 --> 00:40:08,920
Speaker 3: responsible thing from them would be to do would be

895
00:40:08,960 --> 00:40:11,560
Speaker 3: to pass up the opportunity let your friend payback on

896
00:40:11,600 --> 00:40:12,560
Speaker 3: the agreed timeline.

897
00:40:12,600 --> 00:40:15,239
Speaker 2: And no, agreed, I agree. We did ask for your

898
00:40:15,280 --> 00:40:18,880
Speaker 2: two cents as always, and you won't be surprised at

899
00:40:18,920 --> 00:40:21,560
Speaker 2: some of these responses. So someone said, I would never

900
00:40:21,600 --> 00:40:23,560
Speaker 2: demand money from my friends if it meant that they

901
00:40:23,560 --> 00:40:26,279
Speaker 2: were going without their basic survival needs, which I think

902
00:40:26,360 --> 00:40:28,719
Speaker 2: is fair. Someone said, I really wonder if they would

903
00:40:28,719 --> 00:40:31,520
Speaker 2: have the same feeling if it was a medical emergency,

904
00:40:31,840 --> 00:40:34,719
Speaker 2: which you brought up before. Someone else said, she can

905
00:40:34,760 --> 00:40:36,399
Speaker 2: ask her to pay the money back, but if it's

906
00:40:36,440 --> 00:40:38,200
Speaker 2: not there to be paid back, then tough.

907
00:40:38,360 --> 00:40:40,160
Speaker 3: What are you to do? Where you can I pull

908
00:40:40,200 --> 00:40:42,120
Speaker 3: it from? Doesn't grow on trees?

909
00:40:42,360 --> 00:40:44,640
Speaker 2: Well, someone else said, and I think this is interesting

910
00:40:44,680 --> 00:40:46,920
Speaker 2: because this is I guess, in the spirit of open,

911
00:40:46,960 --> 00:40:49,600
Speaker 2: honest conversations around money. She said she's more than welcome

912
00:40:49,640 --> 00:40:52,040
Speaker 2: to ask if she can pay it back early. Maybe

913
00:40:52,040 --> 00:40:54,400
Speaker 2: her friend came into some cash and she wasn't aware,

914
00:40:54,719 --> 00:40:57,399
Speaker 2: but she did agree on the three months, which needs

915
00:40:57,400 --> 00:41:01,040
Speaker 2: to be adhered to if necessary. So like, I think

916
00:41:01,040 --> 00:41:03,319
Speaker 2: it's actually fair if her friend turned around and you know,

917
00:41:03,560 --> 00:41:07,440
Speaker 2: now talking this out, I suppose you know, if I

918
00:41:08,280 --> 00:41:10,200
Speaker 2: borrowed some money from you, Jess, and then Jess, you

919
00:41:10,200 --> 00:41:11,759
Speaker 2: were like, oh, V do you reckon you could pay

920
00:41:11,760 --> 00:41:13,759
Speaker 2: it back early? And I went, oh no, sorry, Jess.

921
00:41:13,760 --> 00:41:16,160
Speaker 2: You might go, oh, no, worries. I just thought I'd

922
00:41:16,200 --> 00:41:18,359
Speaker 2: check because that would have been helpful. Maybe we are

923
00:41:18,600 --> 00:41:21,680
Speaker 2: just overthinking this and thinking it's a mean thing, or like,

924
00:41:21,760 --> 00:41:23,840
Speaker 2: you know, her friend's putting it back on her. Have

925
00:41:24,000 --> 00:41:26,000
Speaker 2: you had that conversation to be like, oh, look, I

926
00:41:26,040 --> 00:41:27,520
Speaker 2: really would love to be able to give you that

927
00:41:27,600 --> 00:41:29,840
Speaker 2: cash holder back, but I just don't have it to

928
00:41:29,880 --> 00:41:33,520
Speaker 2: give you right now. Maybe it's as simple as a conversation. Yeah,

929
00:41:33,560 --> 00:41:37,600
Speaker 2: and having open, ongoing conversation about money. Someone else said,

930
00:41:37,920 --> 00:41:40,520
Speaker 2: never lend anything you can't do without friends. Should have

931
00:41:40,560 --> 00:41:44,000
Speaker 2: considered pre trip and moving out before giving it away.

932
00:41:44,760 --> 00:41:46,560
Speaker 2: Someone said she shouldn't have offered to pay for it

933
00:41:46,600 --> 00:41:49,879
Speaker 2: if she didn't have an emergency fund. Oh, we love

934
00:41:49,920 --> 00:41:53,879
Speaker 2: an emergency fund in this house. Someone said, never go

935
00:41:54,000 --> 00:41:56,640
Speaker 2: into debt for a holiday. Sorry, girl, but you do

936
00:41:56,760 --> 00:41:57,960
Speaker 2: have to pay up asap.

937
00:41:58,480 --> 00:42:01,880
Speaker 4: Asap could still mean three months. Yeah, I feel like

938
00:42:01,960 --> 00:42:02,839
Speaker 4: as soon as you can.

939
00:42:03,200 --> 00:42:05,520
Speaker 2: Yes, I mean I feel like that one's double ended.

940
00:42:05,640 --> 00:42:05,799
Speaker 3: Right.

941
00:42:06,200 --> 00:42:08,560
Speaker 2: Never go into debt for a holiday I would agree

942
00:42:08,600 --> 00:42:11,440
Speaker 2: with if you can not do it, but then sorry, girl,

943
00:42:11,480 --> 00:42:13,080
Speaker 2: got to pay up. No, I don't agree with that.

944
00:42:14,920 --> 00:42:16,600
Speaker 2: And then there are a whole heap of responses that

945
00:42:16,680 --> 00:42:18,360
Speaker 2: are very similar to what we've said. So I won't

946
00:42:18,440 --> 00:42:20,719
Speaker 2: bore you with that, but I think that's all we

947
00:42:20,719 --> 00:42:24,000
Speaker 2: have time for guys, really going on and on, especially

948
00:42:24,000 --> 00:42:26,799
Speaker 2: when I had that rant about superannuation. So I just

949
00:42:26,800 --> 00:42:29,239
Speaker 2: need you to understand that it's a tax structure, not

950
00:42:29,280 --> 00:42:32,480
Speaker 2: an investment, and investing inside and outside of super it

951
00:42:32,560 --> 00:42:35,240
Speaker 2: carries the same risk because they're often exactly.

952
00:42:34,880 --> 00:42:35,440
Speaker 5: The same thing.

953
00:42:36,239 --> 00:42:41,239
Speaker 2: It's really passionate, passionate because they just want you doing best. Yeah, understood,

954
00:42:41,520 --> 00:42:43,759
Speaker 2: All right, Well, I hope you have a really good

955
00:42:43,800 --> 00:42:46,080
Speaker 2: weekend guys, and we will see you bright and early

956
00:42:46,239 --> 00:42:49,799
Speaker 2: on Monday for our money diary, so it can't wait.

957
00:42:50,120 --> 00:42:51,360
Speaker 2: Be good bye, guys.

958
00:42:51,440 --> 00:42:57,080
Speaker 3: Bye.

959
00:42:58,760 --> 00:43:01,320
Speaker 2: The advice shared on She's on the Money is general

960
00:43:01,400 --> 00:43:05,240
Speaker 2: in nature and does not consider your individual circumstances. She's

961
00:43:05,280 --> 00:43:08,680
Speaker 2: on the Money exists purely for educational purposes and should

962
00:43:08,760 --> 00:43:11,920
Speaker 2: not be relied upon to make an investment or financial decision.

963
00:43:12,320 --> 00:43:14,759
Speaker 2: If you do choose to buy a financial product, read

964
00:43:14,800 --> 00:43:18,960
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

965
00:43:18,960 --> 00:43:22,239
Speaker 2: your needs. Victoria Divine and She's on the Money are

966
00:43:22,320 --> 00:43:27,319
Speaker 2: authorized representatives of Money Sherper Pty Ltd ABN three two

967
00:43:27,360 --> 00:43:30,359
Speaker 2: one IS six four nine two seven seven zero eight

968
00:43:30,640 --> 00:43:41,160
Speaker 2: AFSL four five one two eight nine