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

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Speaker 1: the Order Kerney 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 to She's on the Money

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

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

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Speaker 2: my little team back together to celebrate you ow incredible.

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Speaker 2: She's on the Money community today is Jess Greed. She

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Speaker 2: is going to be sharing our favorite money wins. We're

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Speaker 2: gonna get some very broke tips from the now back

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Speaker 2: and back in the game, Miss bechsa Ed, and we're

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

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Speaker 2: this week is all about what to do with your

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Speaker 2: tax return, and we're going to be unpacking something that

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Speaker 2: you slid into our DMS about which this week we're

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Speaker 2: chatting about having a family and then moving in with

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Speaker 2: your parents to save. How have your weeks been, my love?

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Speaker 2: Let's start with you, Beck, because okay, you skipped last

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Speaker 2: week's Friday drink.

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Speaker 1: I know.

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Speaker 3: I miss you.

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Speaker 4: Guys, we miss you too, sock. I was admittedly not

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Speaker 4: sick or anything. I was just on annual leave.

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Speaker 2: So I mean, you have every right to do. But

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Speaker 2: aren't we cool enough to hang out with twenty four

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Speaker 2: to seven?

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Speaker 4: I think it's glaringly obvious to who the coolest one

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Speaker 4: in this group is.

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Speaker 3: So but no, it was really good. I moved house.

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Speaker 2: Oh my gosh, did you I did I know that

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Speaker 2: was happening. I don't think so.

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Speaker 4: I don't think I mentioned it, and I'm sorry about that.

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Speaker 4: I moved from Brunswick to Colton, North.

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Speaker 2: Oh that's bougie, which.

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Speaker 4: I know is like Brunswick is my hometown. RUNS want

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Speaker 4: to be there.

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Speaker 2: You're why did you move just purely for lower rent?

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Speaker 2: Also one of my Oh yeah that's right, because your

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Speaker 2: landlord increased the land. Yeah, okay, makes up doing that,

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Speaker 2: but it's still quite pricey for what it is. But anyway,

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Speaker 2: my dear friend and I've always wanted to live together,

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Speaker 2: so we just.

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Speaker 3: Decided to.

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Speaker 4: No meanly, we've lived together for years before was cold up.

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Speaker 4: We've been there, done that. We live very well together.

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Speaker 4: But anyway, that's another story.

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Speaker 1: No.

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Speaker 4: My friend Allison, who might listen to this one day hopefully,

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Speaker 4: Hi Alison.

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Speaker 3: It's been a hectic week, but I'm glad.

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Speaker 2: Moving sucks. It's not one good thing about moving really sucks.

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Speaker 2: Not one except for the part where you've probably got

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Speaker 2: a nicer house, fresh new house fresh.

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Speaker 3: That's pretty good for.

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Speaker 4: The first night when you watch TV and order a pizza. Yeah, yeah,

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Speaker 4: that's nothing set up yet.

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Speaker 2: That's a ride of passage. It's really cozy, Miss Jess Goottaucci.

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Speaker 2: How's your week being. It's been good.

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Speaker 3: I have been getting ready for Halloween two months earlier.

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Speaker 3: I know one of my I love TK Max. I

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Speaker 3: don't know if they're everywhere, but they're like, we're American. Yeah,

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Speaker 3: it's an American company, I'm pretty sure. And they have

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Speaker 3: been putting their Halloween stuff out for last weeks. So

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Speaker 3: I've been having a lot of fun treasure hunting because

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Speaker 3: it's one of those stores they just get like a

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Speaker 3: few of each thing gets different things. Yeah, so it's

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Speaker 3: like a big treasure hunt. I joined Facebook group. Is

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Speaker 3: a whole thing you did. You're allowed, I think so,

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Speaker 3: and you're not. Weare.

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Speaker 2: You're going to come into the studio and it's going

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Speaker 2: to be Halloween themes. I'm going to be very excited.

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Speaker 3: Could I do the best studio?

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Speaker 2: You can decorate the studio just as long as I

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Speaker 2: don't have to do it. We have to do literally nothing.

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Speaker 2: Do we get hold on? Do we get the treats?

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Speaker 3: Do we get treats? I feel like I could organize

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Speaker 3: some treats.

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Speaker 2: We want the treats, we want the decorations. We want

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Speaker 2: none of the work, and we'll take all the responsibility.

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Speaker 3: Should we be doing themed podcasts? No themed podcast So

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Speaker 3: for the people at home, I tried to convince the

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Speaker 3: girls last year to do a Bama Rush at not

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Speaker 3: like come into work dressed up as a Bama Rush girl.

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Speaker 2: We're smarter than that.

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Speaker 3: Got on board with me.

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Speaker 2: For the patriarchy to thrive, we do not is no,

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Speaker 2: absolutely not.

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Speaker 3: I'll explain to you after it's I don't know.

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Speaker 4: If I were here last year, I would have gotten

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Speaker 4: on board with you.

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Speaker 3: You wouldn't have hearing it here first, Beck and I

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Speaker 3: are dressing up for the Halloween episode.

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Speaker 4: Unless unless what Victoria is saying is true and this

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Speaker 4: is a little bit problematic, in which case I am

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Speaker 4: so against it.

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Speaker 2: You're like, I reserved the right to make a decision later.

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Speaker 4: Exactly exactly, whatever outcome is best, that's the one I'm

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Speaker 4: going to go for.

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Speaker 2: But we actually have a very we've been hoarding. In fact,

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Speaker 2: do you know what one of the worst things I'm

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Speaker 2: awful at is if I have something exciting that's happened,

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Speaker 2: I will bust into the studio and tell Ane Lisa,

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Speaker 2: our producer, and you Beck immediately when it happens, and

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Speaker 2: then you have to re listen to it when we

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Speaker 2: record the podcast and pretend you've never heard of that

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Speaker 2: story before. Right, That's not like that. This week, I'm

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Speaker 2: leaving it for Jess to tell everyone, have.

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Speaker 3: An exciting update.

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Speaker 2: Oh oh my god, what is it?

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Speaker 3: So last week?

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Speaker 2: Go back? Because Beck wasn't here, correct, and its chance

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Speaker 2: she listened to that podcast.

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Speaker 3: I'm sure she did, but I.

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Speaker 2: Was there. I do it.

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Speaker 3: You do know because we've spoken about it. Someone on

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Speaker 3: the internet was impersonating me. Yes, everyone knows about it.

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Speaker 3: It's been a very very stressful thing for me because

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Speaker 3: they're trying to get people to buy bitcoin, and I'm

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Speaker 3: so upset and scared of the thought of someone doing

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Speaker 3: something because they thought they were it was me and

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Speaker 3: they trust me and they like me, and then psych

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Speaker 3: it's some random person on the other side of the

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Speaker 3: world taking you for all your money. Hate hate hate

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Speaker 3: hate hate. So I was talking to Victory, I'm like,

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Speaker 3: I doned to report it.

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Speaker 2: Instagram didn't take it down. So like every man and

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Speaker 2: his dog that we know, we have asked to report

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Speaker 2: this account, and every man and his dog that we

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Speaker 2: know has gotten back to us and said, hey, like

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Speaker 2: we got that notification to say that our report was

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Speaker 2: seen to and like the account's staying up like they

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Speaker 2: don't see any issue with it, And both just and

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Speaker 2: I were like, what the hell, this is actually really

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Speaker 2: really unsafe. Yeah, so we weren't impressed.

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Speaker 3: Yeah you told me.

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Speaker 2: Oh I messaged the scammer. Oh you did too, Did

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Speaker 2: you get any reply? I didn't. I tried.

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Speaker 4: I was like, hey, babe, I still ear you for dinner,

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Speaker 4: hit me with your deeds, and then.

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Speaker 3: I appreciate the affair. You know who else decided to

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Speaker 3: try and message the scamer and see what they could do.

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Speaker 2: Miss Victoria, Okay, let me know what you did. I'm

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Speaker 2: just so satisfying. Would you like some of your own medicine, sir?

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Speaker 3: Oh my god.

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Speaker 2: So I first tagged him in an Instagram post, calling

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Speaker 2: them out as a scammer, like I put it on

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Speaker 2: my stories, which We've been doing a lot recently because

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Speaker 2: I've been like, please don't believe this account. It's not Jess. Anyway,

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Speaker 2: I tagged them and I thought, you know what, I'm

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Speaker 2: just going to tag them so people like you bet

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Speaker 2: could click into the profile to report it. I thought

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Speaker 2: he would block me. He did not, he replied, being like,

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Speaker 2: get a life, bug off, like a lot of profanities, stay.

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Speaker 3: Out of this.

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Speaker 2: Stay out of this. Absolutely not. I've got all these

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Speaker 2: screenshots though, I will show you later. But basically he

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Speaker 2: was like, get out of this, like this isn't any

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Speaker 2: of your business, and I was like, I'm making it

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Speaker 2: my business. So yeah, one thing led to another. I

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Speaker 2: basically said, look, I know some people that that are

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Speaker 2: private investigator. I don't know one private investigator.

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Speaker 3: But I've got my private investigator and he's hunting you down.

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Speaker 2: But what happened was I realized that if you go

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Speaker 2: to someone's Instagram account, you can look at their profile insights, right,

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Speaker 2: and we'll tell you when they signed up, what location

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Speaker 2: they signed up from, and how many times they've changed

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Speaker 2: their profile name. And so I was like, oh, this

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Speaker 2: is interesting, and I, you know, a week or so ago,

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Speaker 2: I said to Jess, hey, did you know that the

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Speaker 2: account is actually based in Nigeria? And also it was

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Speaker 2: established in twenty eighteen, and also they've changed their name

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Speaker 2: like eight times, so I'm assuming they use this account

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Speaker 2: to like replicate you, then they delete everything, change the

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Speaker 2: account and then replicate their can whatever. And she was like, wow,

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Speaker 2: I didn't even know you could do that. So we

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Speaker 2: started stalking other people and like just having a bit

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Speaker 2: of fun with that, and I was like, wow, I

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Speaker 2: didn't realize I joined Instagram in twenty eleven. I am

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Speaker 2: really old anyway, So I had that information, sure, I

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Speaker 2: assume because Jess, who usually knows absolutely everything, didn't know that.

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Speaker 2: Not everybody knew that. So used it to my advantage.

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Speaker 2: And I said, I'm a private investigator. I found him

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Speaker 2: on TikTok. I told the guy and I said that

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Speaker 2: we would create amazing content. And I was like, I mean,

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Speaker 2: you can keep scamming people. But my TikTok investigator guy

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Speaker 2: and I have a meeting later this afternoon, and he's

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Speaker 2: already told me heaps of stuff about you. And they

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Speaker 2: were like, absolutely, that's not true. You're a China scam me.

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Speaker 2: And I was like, I would never scam a scammer. I,

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Speaker 2: you know, used to be a financial advisor. I'm a

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Speaker 2: legitimate human being. And he was like, you don't know

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Speaker 2: anything about me, and I was like, well, I already

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Speaker 2: know that you're based in Nigeria and you created this

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Speaker 2: account in twenty eighteen, and you've already scammed seven other

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Speaker 2: people in Jessica's the eighth and then they said, give

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Speaker 2: me two hundred dollars and I'll delete the account. I said,

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Speaker 2: that's fine, of course I would give you two hundred dollars,

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Speaker 2: but you're a scammer, so I'm not giving you any

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Speaker 2: money until you delete every single post change you or

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Speaker 2: use the name unfollow everybody from Jessica's page that you followed,

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Speaker 2: then we can talk about it, yes, And so he

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Speaker 2: did all that and then I said, oh, sorry, I

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Speaker 2: don't have two.

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Speaker 3: So the account we think as of today that we're recording,

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Speaker 3: it's not it's still.

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Speaker 2: It's not active. It's been the name has been changed,

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Speaker 2: it still exists. So we will continue to report it

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Speaker 2: so that other people don't end up in the same

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Speaker 2: trap that Jess ended up in. And obviously we've taken

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Speaker 2: it further to Instagram.

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Speaker 3: But oh the sorry, don't mess with Victoria Fine.

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Speaker 2: Family.

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Speaker 3: WHOA, that is so cool.

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Speaker 2: I think my favorite part about scamming the scammer is

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Speaker 2: how salty the scammer got when he realized he was

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Speaker 2: being scammed. He called me fat, He called me every

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Speaker 2: name under the sun. He called me ugly. He said

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Speaker 2: that I have no life and my friends and family

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Speaker 2: don't love me. And I was like, who.

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Speaker 3: That's a lot coming from me, my dude.

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Speaker 2: Rich sugar. That is hectic.

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Speaker 4: But you know, I find it so funny when people

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Speaker 4: out themselves as someone who is really clinging to low

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Speaker 4: hanging fruit, When they call someone ugly and fat and

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Speaker 4: all this stuff, I'm like, oh, you to worry about

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Speaker 4: someone like you?

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Speaker 2: I was like this second that started coming out. I

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Speaker 2: said to Jess, scame on, like, this guy is an

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Speaker 2: actual idiot, Like you might have been smart to create

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Speaker 2: this Instagram account because replicating a whole Instagram account and

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Speaker 2: having thirteen thousand fake followers, I was like, that's.

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Speaker 3: Had more followers than me.

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Speaker 2: I was like, that's trude. So everyone thought that it

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Speaker 2: was like the real one was the jests with more followers,

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Speaker 2: and it wasn't the case. I did. I was very convincing.

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Speaker 3: It was very funny.

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Speaker 2: So were these extra people.

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Speaker 3: And please come over to Jessica ches Jess Kiki, thank

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Speaker 3: you so much, but I'm so happy. What a great

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Speaker 3: outcome VD is. We had the best horning highlight of

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Speaker 3: my week.

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Speaker 2: Honestly, we had the best morning scamming a scammer. Obviously.

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Speaker 2: I was sending every single screenshot to Jess to be

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Speaker 2: like what do I say next, and she's like, I

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Speaker 2: don't know. I am just cackling, like this is amazing.

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Speaker 2: But yeah, he did all of that and then didn't

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Speaker 2: get his two hundred dollars from me that he obviously

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Speaker 2: needed me to transfer in bitcoin. Of course, of course,

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Speaker 2: of course, I was like, I'm so sorry. Don't have bitcoin.

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Speaker 2: He's like, you can sign up for an account, and I'm like.

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Speaker 3: Oh, I just checked.

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Speaker 2: You need identification to sign up for bitcoin, and he

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Speaker 2: was like, yeah, you can do that. And I was like,

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Speaker 2: I don't actually have any identification or got stolen by

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Speaker 2: some random and they're now pretending to be me on

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Speaker 2: the internet. Oh my gosh. Anyway, there's a lot of fun.

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Speaker 2: I mean, probably don't do us. I do, probably go

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Speaker 2: the usual routs, but I mean a lot of people

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Speaker 2: also messaged us and said, hey, this stuff happens all

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Speaker 2: the time. It's really hard to get rid of these

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Speaker 2: accounts because of the longevity of them. So because it

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Speaker 2: had existed since twenty eighteen and they'd obviously gone through

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Speaker 2: lots of profile changes since then, Instagram's algorithm just identifies

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Speaker 2: it as being legitimate because they're like, well, why they're

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Speaker 2: reporting it now, it's been around since twenty eighteen. Well

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Speaker 2: you just take the law into your own hands.

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Speaker 3: Why not stand shit?

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Speaker 2: All right? You know what's better than scamming a scammer?

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Speaker 2: It is our community money wins, and just we need

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Speaker 2: to stop talking about scammers unless there are some money

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Speaker 2: losses about scammers, in which case we want to hear

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Speaker 2: about those, but I don't think there are, because I

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Speaker 2: think it's just you being scammed.

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Speaker 3: Babe, No, just me, just now you got this week? Okay.

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Speaker 3: My first money win this week comes from Rachel, who

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00:13:23,880 --> 00:13:26,920
Speaker 3: said money win. I just harvested my first bock choy

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Speaker 3: heads from my first veggie garden. A bundle awsome right,

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Speaker 3: A bundle of three heads and calls is two dollars fifty,

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Speaker 3: but my six pack of seedlings was only four dollars

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Speaker 3: and each seedling has produced three to four heads. I'm

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Speaker 3: harvesting at the base instead of pulling them out, so

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Speaker 3: hopefully they'll produce new stamps and I'll get even more

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Speaker 3: of them. And I just love the idea of growing

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Speaker 3: your own veg because vege is expensive.

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Speaker 2: Now unlimited bock choy hack, I love that.

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Speaker 3: Get on that. Next, I have a money win from

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Speaker 3: it Tanya, who said I found dog food on clearance

295
00:13:54,120 --> 00:13:55,880
Speaker 3: for one dollar a can and bought two hundred and

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Speaker 3: forty cans.

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Speaker 2: A photo of.

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Speaker 3: A big car it's hard to see on my crusphone. Wow,

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00:14:05,679 --> 00:14:08,200
Speaker 3: I love that. Like that is just such a good win. Next,

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00:14:08,240 --> 00:14:10,719
Speaker 3: I've got a win from Many who said money win.

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Speaker 3: My friend gave me a book that I was considering buying,

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00:14:13,160 --> 00:14:15,959
Speaker 3: and I got a free coffee today two days before payday.

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Speaker 3: Much needed great money win.

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Speaker 2: Yeah money Oh my god, stuff was so funny.

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00:14:23,200 --> 00:14:25,520
Speaker 3: Wish We were responding as very much. If you're looking

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Speaker 3: for another book, money win. Victoria's upcoming book, book number three.

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00:14:30,040 --> 00:14:32,160
Speaker 2: Do you know I finished recording that last week? So

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00:14:32,280 --> 00:14:33,680
Speaker 2: like the audio book version.

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00:14:33,720 --> 00:14:36,800
Speaker 3: Oh my gosh, wait, I know right, I'm so impressed

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Speaker 3: for you.

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Speaker 2: Worst worst process in the entire world, it would be yes.

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Speaker 2: Have you ever tried to read, like literally word for

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Speaker 2: word of script in a podcast. Imagine that that every

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00:14:45,920 --> 00:14:47,600
Speaker 2: time you say something wrong, they make you go back

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Speaker 2: to the entire start.

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Speaker 3: Oh well, you can pre order the paperback or the

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00:14:53,640 --> 00:14:56,320
Speaker 3: audiobook version on Amazon. There forty two percent off right now.

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Speaker 3: So if someone is looking for a book, money win.

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Speaker 2: Percent off, that is a good money win. Good dem

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00:15:00,760 --> 00:15:02,440
Speaker 2: I'm biased, but that's a really good book.

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Speaker 3: It is a good book. We have read it and

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00:15:04,440 --> 00:15:08,560
Speaker 3: can confirm she stood it. I even wrote it. My

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00:15:08,600 --> 00:15:10,840
Speaker 3: next money wind comes from Eliza, who said money win.

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00:15:11,160 --> 00:15:13,720
Speaker 3: My local Viny's had a dish shopping night and I

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00:15:13,760 --> 00:15:15,720
Speaker 3: got two dresses and a vest for one hundred and

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00:15:15,760 --> 00:15:18,920
Speaker 3: forty five dollars. They had an age one last month,

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00:15:18,960 --> 00:15:20,400
Speaker 3: which was also a funny wind. But I've got to

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00:15:20,400 --> 00:15:22,080
Speaker 3: post about it. How good is that?

329
00:15:22,080 --> 00:15:26,120
Speaker 2: That's actually genius? Please not gate keep location time. I'm

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00:15:26,200 --> 00:15:29,160
Speaker 2: realizing how to get updates, Like, really.

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Speaker 3: Sad it's she said it was in lawn sestin Tasmania.

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Speaker 3: So there you go next time you're down there, genius.

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00:15:35,080 --> 00:15:37,360
Speaker 3: Genius Dish is one of my favorite brands, and so

334
00:15:37,680 --> 00:15:40,200
Speaker 3: I'm really mad that that's not Yep, that's okay. Next,

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00:15:40,200 --> 00:15:42,240
Speaker 3: I've got a money win from Addie who said small

336
00:15:42,240 --> 00:15:45,320
Speaker 3: money win another coffee one. I got a free Matilda

337
00:15:45,400 --> 00:15:49,200
Speaker 3: themed donut with my coffee for wearing my jersey. I

338
00:15:49,280 --> 00:15:52,120
Speaker 3: love that supporting the girls ended up supporting my sweet

339
00:15:52,120 --> 00:15:53,840
Speaker 3: Treat Addiction and the Tillies.

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00:15:55,560 --> 00:15:57,520
Speaker 2: I wore my Tillier scarf the other day when we're

341
00:15:57,520 --> 00:15:59,560
Speaker 2: on the way to the pub to watch them play,

342
00:16:00,080 --> 00:16:02,680
Speaker 2: and I really liked the attention I got from that,

343
00:16:02,960 --> 00:16:04,920
Speaker 2: the amount of people screaming out their car being like,

344
00:16:04,960 --> 00:16:06,920
Speaker 2: go the Tillies. I was like, is this what it

345
00:16:06,960 --> 00:16:08,640
Speaker 2: feels like to be a footy guy?

346
00:16:09,040 --> 00:16:11,320
Speaker 3: So proud of the goal, I could cry about this

347
00:16:11,360 --> 00:16:13,600
Speaker 3: whole I love it, but it makes me so happy,

348
00:16:13,800 --> 00:16:15,600
Speaker 3: but we continue. Yeah, I will cry.

349
00:16:15,720 --> 00:16:17,240
Speaker 2: I'll so lend you my scarf.

350
00:16:18,640 --> 00:16:20,480
Speaker 3: Next, I've got my namen from Tanya who said, found

351
00:16:20,480 --> 00:16:23,160
Speaker 3: these in the frozen section, no more ava wasted. Did

352
00:16:23,200 --> 00:16:25,840
Speaker 3: you know you can buy frozen avocado? Because I didn't here.

353
00:16:25,960 --> 00:16:28,560
Speaker 2: I am thinking that my frozen mashed potato was revolution

354
00:16:28,720 --> 00:16:29,240
Speaker 2: here and.

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00:16:29,160 --> 00:16:31,840
Speaker 3: We had that broke tip from back last two weeks

356
00:16:31,840 --> 00:16:34,600
Speaker 3: ago where you said use your frozen veggies. You can

357
00:16:34,600 --> 00:16:35,760
Speaker 3: make avocado a part of that.

358
00:16:35,800 --> 00:16:38,520
Speaker 2: Now, Oh, I am real the brand so confused.

359
00:16:38,680 --> 00:16:42,200
Speaker 3: The photo that she shared is Cole's brand. So I'm

360
00:16:42,240 --> 00:16:42,480
Speaker 3: going to.

361
00:16:42,520 --> 00:16:44,600
Speaker 2: Take one for the team. I'm going to purchase that.

362
00:16:46,000 --> 00:16:50,400
Speaker 2: Very low expectations of how that's going to perform once thowed,

363
00:16:51,280 --> 00:16:53,680
Speaker 2: because I don't know. Maybe it's good for like smoothies

364
00:16:54,360 --> 00:16:57,440
Speaker 2: like blend her up. Oh god, I feel like anything

365
00:16:57,440 --> 00:16:59,800
Speaker 2: that you're gonna like you would blash Masha Bond.

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00:17:00,080 --> 00:17:02,000
Speaker 3: Yeah, I just know that was great.

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00:17:02,240 --> 00:17:03,960
Speaker 2: I'm suspicious because avocado.

368
00:17:04,000 --> 00:17:07,119
Speaker 3: You have like one day of good usable avocado and

369
00:17:07,160 --> 00:17:07,919
Speaker 3: then she's gone.

370
00:17:08,320 --> 00:17:10,520
Speaker 2: Josh and I have a lot of food things to

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00:17:10,560 --> 00:17:12,000
Speaker 2: do in the upcoming future.

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00:17:12,000 --> 00:17:13,320
Speaker 3: We have to have a cooking show.

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00:17:13,400 --> 00:17:15,359
Speaker 2: Yeah, we have to. Well, last time we tried to

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00:17:15,400 --> 00:17:18,040
Speaker 2: start a cooking show, Jessica, I literally set my kitchen

375
00:17:18,040 --> 00:17:21,680
Speaker 2: on fryer on IG Live, so that was like less

376
00:17:21,720 --> 00:17:22,800
Speaker 2: than ideal.

377
00:17:22,640 --> 00:17:24,920
Speaker 3: Iconic moment, that is unreal.

378
00:17:25,080 --> 00:17:26,880
Speaker 2: But I mean, if you want to unhinged cooking show,

379
00:17:26,960 --> 00:17:28,760
Speaker 2: Jess and I are all about it. But we have

380
00:17:28,800 --> 00:17:31,440
Speaker 2: to have our potato night. So we're so excited you're

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00:17:31,480 --> 00:17:33,320
Speaker 2: coming to beck. We're going to find a night where

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00:17:33,480 --> 00:17:35,720
Speaker 2: we come to my house because I have dining chairs

383
00:17:35,720 --> 00:17:38,200
Speaker 2: now and we're going to have a dinner party. But entree,

384
00:17:38,320 --> 00:17:42,480
Speaker 2: main course, dessert, snacks, drinks all have to be potato based.

385
00:17:42,560 --> 00:17:42,840
Speaker 4: Sure.

386
00:17:42,960 --> 00:17:45,720
Speaker 2: And then Jess and I have found the recipe to

387
00:17:45,800 --> 00:17:50,880
Speaker 2: the chin chin padsw noodles. We're gonna make that lovely.

388
00:17:51,119 --> 00:17:53,120
Speaker 2: We just have a lot of things, lots a lot

389
00:17:53,119 --> 00:17:54,360
Speaker 2: of things coming up mealhouse.

390
00:17:54,520 --> 00:17:57,639
Speaker 3: Well, we can add avocado frozen testing to the list.

391
00:17:57,720 --> 00:17:58,520
Speaker 2: That's what we're going to do.

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00:17:58,600 --> 00:18:00,880
Speaker 3: Last money we in a solid one, Sualine. She said,

393
00:18:00,880 --> 00:18:03,280
Speaker 3: money Win found a cute win address from Kmart in

394
00:18:03,280 --> 00:18:05,479
Speaker 3: the twenty dollars clearance rack in my size and then

395
00:18:05,520 --> 00:18:06,280
Speaker 3: it scanned.

396
00:18:05,960 --> 00:18:09,680
Speaker 2: It twelve bucks. Oh my gosh money. W yeah, that's

397
00:18:09,760 --> 00:18:11,920
Speaker 2: that's like a three eight dollars if you use that

398
00:18:12,200 --> 00:18:13,560
Speaker 2: dodgy girl math trend.

399
00:18:14,359 --> 00:18:16,560
Speaker 3: None of that here, None of that in this here.

400
00:18:16,760 --> 00:18:20,040
Speaker 2: Thank you very much. All right, speaking of saving money,

401
00:18:20,560 --> 00:18:23,720
Speaker 2: ms Beck say ed, okay, it's your turn.

402
00:18:23,800 --> 00:18:24,560
Speaker 3: Are you guys ready?

403
00:18:24,720 --> 00:18:26,359
Speaker 2: We are so ready for your broke tips.

404
00:18:26,480 --> 00:18:29,280
Speaker 4: First one, I remember months ago I was talking about

405
00:18:29,280 --> 00:18:31,320
Speaker 4: how a review made me cry, and then I reread

406
00:18:31,320 --> 00:18:33,800
Speaker 4: the reviews just recently because I was too scared to

407
00:18:33,840 --> 00:18:35,359
Speaker 4: do that do so beforehand?

408
00:18:35,480 --> 00:18:37,000
Speaker 2: What are you read reviews?

409
00:18:37,040 --> 00:18:39,199
Speaker 4: I know I shouldn't have. But then this person apologized,

410
00:18:39,200 --> 00:18:40,280
Speaker 4: and I am no, they did.

411
00:18:40,359 --> 00:18:41,679
Speaker 3: They did, rews.

412
00:18:42,080 --> 00:18:43,119
Speaker 2: I just thought that was really sweet.

413
00:18:43,160 --> 00:18:43,880
Speaker 3: Thank you so much.

414
00:18:44,000 --> 00:18:47,200
Speaker 4: A lot of people don't do that, and so sobody.

415
00:18:46,640 --> 00:18:48,399
Speaker 2: Hold on, hold on, hold on, I'm so confused. So

416
00:18:48,480 --> 00:18:51,160
Speaker 2: you're saying that somebody left a negative review. Yes, we

417
00:18:51,240 --> 00:18:53,880
Speaker 2: talked smack about it on the podcast. Yes, after leaving

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00:18:53,920 --> 00:18:56,800
Speaker 2: a negative review on our podcast. Yes, they continued to

419
00:18:56,880 --> 00:19:00,000
Speaker 2: listen to our podcast. Correct, and then they apologize.

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00:19:00,200 --> 00:19:00,400
Speaker 5: Yes?

421
00:19:00,440 --> 00:19:02,560
Speaker 3: Correct. Do you know what personal growth?

422
00:19:02,680 --> 00:19:06,520
Speaker 4: I love that, we love personal growth. I was really

423
00:19:06,560 --> 00:19:08,080
Speaker 4: shy at the start of this year.

424
00:19:08,160 --> 00:19:11,520
Speaker 2: So maybe I do not know what you're talking on.

425
00:19:11,920 --> 00:19:14,680
Speaker 2: Like though, I was like, I don't know what I'm saying. Anyways,

426
00:19:14,680 --> 00:19:16,200
Speaker 2: that's my first shoutow and now you've got a whole

427
00:19:16,240 --> 00:19:18,440
Speaker 2: loaned segment. You're like, sit down, guys, you're doing three

428
00:19:18,480 --> 00:19:19,240
Speaker 2: shout outs.

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00:19:19,720 --> 00:19:19,920
Speaker 3: Yeah.

430
00:19:22,760 --> 00:19:24,720
Speaker 4: Shout out to one of our listeners who works with

431
00:19:24,800 --> 00:19:27,560
Speaker 4: Find Victoria, who encouraged me to give Find Victoria a

432
00:19:27,680 --> 00:19:30,440
Speaker 4: call just to see what they can do about the jigar.

433
00:19:31,280 --> 00:19:33,560
Speaker 4: Have I send them an email? I haven't called them

434
00:19:33,800 --> 00:19:35,320
Speaker 4: get too shy, but I might do that.

435
00:19:35,359 --> 00:19:38,239
Speaker 2: It's the coole point for you. Thank you. That's so

436
00:19:38,560 --> 00:19:41,240
Speaker 2: kind of you. Jazz I would do the same thing.

437
00:19:41,400 --> 00:19:44,440
Speaker 2: I love to start a little negotiation on the phone.

438
00:19:44,840 --> 00:19:47,320
Speaker 2: I also fight with scammers, so I'm not sure if

439
00:19:47,359 --> 00:19:50,920
Speaker 2: I'm the best for this, but you know what, it's

440
00:19:50,960 --> 00:19:54,040
Speaker 2: that justice mentality that you know.

441
00:19:54,200 --> 00:19:56,879
Speaker 4: That's the kind of determination I need. Okay, Well, I

442
00:19:56,920 --> 00:19:59,120
Speaker 4: do have some broad tips here. There's one from Rachel

443
00:19:59,240 --> 00:20:01,560
Speaker 4: who has said that there's a place in Brisbane called

444
00:20:01,600 --> 00:20:05,960
Speaker 4: Lighthouse that offers a full grocery trolley for twenty five dollars.

445
00:20:06,160 --> 00:20:07,960
Speaker 3: Sorry, what I know isn't that?

446
00:20:08,200 --> 00:20:11,480
Speaker 4: Why does it work that can be picked up or delivered,

447
00:20:11,520 --> 00:20:14,040
Speaker 4: and they often have free fruit and veggies as well.

448
00:20:14,040 --> 00:20:16,720
Speaker 4: My husband and I have used it when in a

449
00:20:16,720 --> 00:20:19,719
Speaker 4: tight spot and when we can often repay by dropping

450
00:20:19,800 --> 00:20:22,000
Speaker 4: food off. I'm assuming it's kind of like you drop

451
00:20:22,040 --> 00:20:23,800
Speaker 4: food off and it's it's a give and take sort

452
00:20:23,840 --> 00:20:26,520
Speaker 4: of situation, sort of like a million and lentils as anything,

453
00:20:26,560 --> 00:20:28,760
Speaker 4: so that that is useful if you are in Brisbane.

454
00:20:28,880 --> 00:20:31,280
Speaker 2: The second broke tip I have comes from.

455
00:20:31,440 --> 00:20:34,639
Speaker 4: Lily, who has basically just suggested that we go to

456
00:20:34,680 --> 00:20:37,840
Speaker 4: the reject shop for any kind of perishables or anything

457
00:20:38,600 --> 00:20:41,840
Speaker 4: when you go to Woollies, just in case of something cheaper,

458
00:20:41,880 --> 00:20:43,840
Speaker 4: because you can get really cheap things from reject shop.

459
00:20:44,200 --> 00:20:46,520
Speaker 4: I got like ten dollar curtains that are that will

460
00:20:46,560 --> 00:20:51,480
Speaker 4: pretty good quality Discounter bodycare bodycare style, like they have

461
00:20:51,560 --> 00:20:54,919
Speaker 4: body or shampoo conditioner, all of your like truthpastes.

462
00:20:55,400 --> 00:20:57,679
Speaker 2: That's so true, and I feel like we overlook it.

463
00:20:58,080 --> 00:20:59,919
Speaker 2: Went in there a little while ago to get like,

464
00:21:00,040 --> 00:21:02,199
Speaker 2: you know those plastic phone stands to your car that

465
00:21:02,240 --> 00:21:04,639
Speaker 2: go on the grain. Yes, surely reject shops going to

466
00:21:04,720 --> 00:21:06,399
Speaker 2: have it. And I walked out with so much other

467
00:21:06,440 --> 00:21:08,040
Speaker 2: stuff because I was like, oh my gosh, all of

468
00:21:08,040 --> 00:21:12,040
Speaker 2: their laundry products so affordable. I do need more Omo

469
00:21:12,200 --> 00:21:14,400
Speaker 2: and they're like all the name brands, but like they're cheap.

470
00:21:14,480 --> 00:21:16,640
Speaker 4: Yeah, and I don't I don't know why they're cheap.

471
00:21:16,640 --> 00:21:18,840
Speaker 4: But I'm not gonna ask any question. We are not

472
00:21:18,880 --> 00:21:20,919
Speaker 4: asking questions. We are simply getting a bargain.

473
00:21:20,960 --> 00:21:23,280
Speaker 2: We are just doing our best in this cost of living.

474
00:21:23,320 --> 00:21:27,280
Speaker 4: Crist exactly right, VICKI d And then that brings me

475
00:21:27,359 --> 00:21:30,800
Speaker 4: to my own personal brick tip of the week, which

476
00:21:30,800 --> 00:21:32,520
Speaker 4: is very similar to the first one I read out.

477
00:21:32,560 --> 00:21:36,080
Speaker 4: But my mother was talking about how sometimes in Harris

478
00:21:36,080 --> 00:21:38,159
Speaker 4: Farm or even in Woolies, I think they do this

479
00:21:38,240 --> 00:21:40,480
Speaker 4: as well. They'll have fruit and veggies at the front

480
00:21:40,520 --> 00:21:42,720
Speaker 4: of the store or in Harris's Farm, I think it's

481
00:21:42,720 --> 00:21:44,439
Speaker 4: at the back of the store where it's kind of

482
00:21:44,480 --> 00:21:46,399
Speaker 4: like it's maybe going to go off or it's a

483
00:21:46,440 --> 00:21:49,159
Speaker 4: little bit uglier than the regular fruit and veggies, and

484
00:21:49,640 --> 00:21:52,200
Speaker 4: you can get like a bag full for twenty five cents.

485
00:21:52,040 --> 00:21:52,720
Speaker 3: You know what I mean.

486
00:21:53,359 --> 00:21:56,359
Speaker 2: I remember that it existed. We don't have Harris Farms

487
00:21:56,359 --> 00:21:58,720
Speaker 2: in Victoria. Don't have Harrow's Farms Victoria.

488
00:21:58,720 --> 00:21:59,040
Speaker 3: That's true.

489
00:21:59,040 --> 00:22:00,000
Speaker 2: This is a new South Wales thing.

490
00:22:00,040 --> 00:22:01,600
Speaker 3: Maybe in other parts of Australia. I'm not sure.

491
00:22:01,640 --> 00:22:03,159
Speaker 2: I think it's just New South Wales, like it's a

492
00:22:03,200 --> 00:22:03,720
Speaker 2: silly thing.

493
00:22:04,160 --> 00:22:06,199
Speaker 4: But I know there are some certain wool words and

494
00:22:06,240 --> 00:22:08,600
Speaker 4: coals that do have this. They'll have like a trolley

495
00:22:08,640 --> 00:22:11,320
Speaker 4: full of produce and you can just get a bag

496
00:22:11,359 --> 00:22:15,200
Speaker 4: because maybe ugly or too small cares, which I love

497
00:22:15,280 --> 00:22:15,720
Speaker 4: ugly fruit.

498
00:22:15,720 --> 00:22:19,159
Speaker 2: It's like coals have the odd bunch. Yeah, yes' just

499
00:22:19,240 --> 00:22:21,320
Speaker 2: quite smart and I like that because I always buy

500
00:22:21,320 --> 00:22:22,760
Speaker 2: the old bunch because I'm like, I don't care if

501
00:22:22,760 --> 00:22:23,800
Speaker 2: we've got twisty carrots.

502
00:22:23,840 --> 00:22:26,520
Speaker 3: I hate the idea of produce being rejected, like farmers

503
00:22:26,520 --> 00:22:28,600
Speaker 3: putting all this effort into growing it and making it whatever,

504
00:22:28,840 --> 00:22:30,880
Speaker 3: and it's like not round enough or not shiny enough

505
00:22:30,920 --> 00:22:31,879
Speaker 3: for yeah, what the hell?

506
00:22:32,080 --> 00:22:34,720
Speaker 2: No, absolutely no, that's good one. All right, let's go

507
00:22:34,720 --> 00:22:36,480
Speaker 2: to a really quick break on the flip side. We're

508
00:22:36,480 --> 00:22:38,040
Speaker 2: going to be talking about what to do with your

509
00:22:38,080 --> 00:22:40,159
Speaker 2: tax return, and we've got a little bit of a

510
00:22:40,200 --> 00:22:43,000
Speaker 2: dilemma that you slid into our dms about we're gonna

511
00:22:43,000 --> 00:22:44,920
Speaker 2: be chatting about having a family and then moving back

512
00:22:44,960 --> 00:22:48,000
Speaker 2: with your parents to save. So guys don't go anywhere.

513
00:22:53,080 --> 00:22:57,920
Speaker 3: Welcome back everybody. Let's take a listen to the money dilemma.

514
00:22:58,119 --> 00:23:00,479
Speaker 2: Hi, there, have you got a money dilemma you just

515
00:23:00,520 --> 00:23:03,040
Speaker 2: can't solve the She's on The Money Team is here

516
00:23:03,080 --> 00:23:06,320
Speaker 2: to help. Every week, we tackle your dilemmas, both big

517
00:23:06,359 --> 00:23:09,080
Speaker 2: and small, to answer your most burning money, career and

518
00:23:09,160 --> 00:23:12,320
Speaker 2: life questions. To get involved, simply head to our website

519
00:23:12,359 --> 00:23:14,480
Speaker 2: and leave us a short voice recording and you might

520
00:23:14,560 --> 00:23:17,080
Speaker 2: just find yourself on the show. Now, let's take a

521
00:23:17,119 --> 00:23:21,880
Speaker 2: listen to this week's money dilemma.

522
00:23:22,080 --> 00:23:24,640
Speaker 5: Hi, Team, I just had a quick money question. So

523
00:23:24,800 --> 00:23:27,919
Speaker 5: I've got some money back from my tax return and

524
00:23:27,960 --> 00:23:30,600
Speaker 5: I was looking at looking in with Phil to sort

525
00:23:30,640 --> 00:23:33,560
Speaker 5: out my insurances. I've also been listening to the Property Playbook,

526
00:23:33,560 --> 00:23:35,440
Speaker 5: and I feel like I might be in a better

527
00:23:35,600 --> 00:23:39,520
Speaker 5: position towards buying my first house than I thought. Would

528
00:23:39,560 --> 00:23:42,040
Speaker 5: it be better to contact feel and sort out my

529
00:23:42,800 --> 00:23:45,960
Speaker 5: superhind my insurances first as I have two super accounts,

530
00:23:46,480 --> 00:23:49,520
Speaker 5: or is there a better option or someone I could

531
00:23:49,520 --> 00:23:52,240
Speaker 5: speak to that would be able to kind of handle

532
00:23:52,280 --> 00:23:52,960
Speaker 5: everything for me?

533
00:23:53,320 --> 00:23:53,639
Speaker 3: Thanks.

534
00:23:54,600 --> 00:23:57,720
Speaker 2: This is a really interesting one because at the start

535
00:23:57,760 --> 00:23:59,879
Speaker 2: I was like, Oh, I have so much advice on

536
00:24:00,160 --> 00:24:02,680
Speaker 2: what you should do with your tax return. But then

537
00:24:02,720 --> 00:24:04,719
Speaker 2: it went down the property path, and then it went

538
00:24:04,760 --> 00:24:07,920
Speaker 2: down the superpath. So you said you have two super accounts,

539
00:24:07,920 --> 00:24:09,640
Speaker 2: and I think the first thing I would be doing

540
00:24:09,760 --> 00:24:12,399
Speaker 2: is understanding what both of those accounts are and if

541
00:24:12,400 --> 00:24:15,280
Speaker 2: they have insurances as default on them. If they do,

542
00:24:15,400 --> 00:24:18,000
Speaker 2: you need to work out if those insurances are any

543
00:24:18,080 --> 00:24:21,040
Speaker 2: good and worth keeping or if you rolled your super

544
00:24:21,080 --> 00:24:23,520
Speaker 2: together it wouldn't matter. So you need to understand that.

545
00:24:24,080 --> 00:24:27,040
Speaker 2: But it's also twenty twenty three and the government has

546
00:24:27,080 --> 00:24:30,840
Speaker 2: a very cool MyD super comparison tool that means you

547
00:24:30,840 --> 00:24:33,520
Speaker 2: could probably go and it depends if you've got a

548
00:24:33,560 --> 00:24:37,000
Speaker 2: balance under one hundred thousand dollars. The probability of you

549
00:24:37,040 --> 00:24:38,679
Speaker 2: being able to just do it yourself and pick a

550
00:24:38,680 --> 00:24:41,119
Speaker 2: really good super fund that makes sense and aligns to

551
00:24:41,240 --> 00:24:43,040
Speaker 2: the fees you want to pay, the values you hold,

552
00:24:43,040 --> 00:24:46,439
Speaker 2: and the investment options that you want access to. I

553
00:24:46,520 --> 00:24:48,040
Speaker 2: just feel like a lot of us don't need to

554
00:24:48,040 --> 00:24:52,080
Speaker 2: pay a financial advisor for that. I really don't, and

555
00:24:52,400 --> 00:24:55,800
Speaker 2: I say that because I just go, you know what,

556
00:24:56,160 --> 00:24:59,160
Speaker 2: that super comparison tool run by the government is really good.

557
00:24:59,320 --> 00:25:03,040
Speaker 2: It's really clear, it's really clear. It compares apples with apples.

558
00:25:03,119 --> 00:25:06,160
Speaker 2: It's not here going oh okay, well, you know we're

559
00:25:06,200 --> 00:25:08,399
Speaker 2: being paid by this super fund, so we're going to

560
00:25:08,400 --> 00:25:10,159
Speaker 2: put it at the top of the list like it

561
00:25:10,240 --> 00:25:13,840
Speaker 2: doesn't do that. It's nothing like those comparison sites. So

562
00:25:14,000 --> 00:25:16,159
Speaker 2: I would be trying to do my super trying to

563
00:25:16,160 --> 00:25:20,280
Speaker 2: work that out myself, sam o hand. Yeah, insurance is

564
00:25:20,320 --> 00:25:23,000
Speaker 2: on the other hand, are not DIY. There's something that

565
00:25:23,040 --> 00:25:25,760
Speaker 2: you do definitely want to speak to an advisor about

566
00:25:26,320 --> 00:25:28,840
Speaker 2: and to save some cash because you know, you said

567
00:25:28,880 --> 00:25:30,919
Speaker 2: you were trying to buy property. I would go with

568
00:25:31,000 --> 00:25:34,200
Speaker 2: a financial advisor that does insurance only advice. It means

569
00:25:34,200 --> 00:25:38,200
Speaker 2: that the cost is going to be significantly stripped back. Also,

570
00:25:38,359 --> 00:25:41,359
Speaker 2: they're a financial advisor, so you could ask, hey, what

571
00:25:41,400 --> 00:25:43,679
Speaker 2: are your thoughts on super I don't want advice on it,

572
00:25:43,720 --> 00:25:46,760
Speaker 2: but I'd like to talk through what this insurance option

573
00:25:46,920 --> 00:25:49,600
Speaker 2: inside supermans or what this means. They're going to have

574
00:25:49,600 --> 00:25:51,960
Speaker 2: the knowledge to have that conversation, and I promise you

575
00:25:52,000 --> 00:25:54,840
Speaker 2: they'll have a good conversation with you about it so

576
00:25:54,920 --> 00:25:58,480
Speaker 2: that you're more educated in that She's on the money community.

577
00:25:58,520 --> 00:26:01,399
Speaker 2: We always recommend Sky Wealth and we will put a

578
00:26:01,480 --> 00:26:05,320
Speaker 2: link to Phil's company in the show notes because one

579
00:26:05,359 --> 00:26:08,840
Speaker 2: he's done all of my team's insurances. He's very cost

580
00:26:08,840 --> 00:26:11,600
Speaker 2: efficient when it comes to the statement of advice because

581
00:26:11,640 --> 00:26:14,640
Speaker 2: you need a good statement of advice. It's under five

582
00:26:14,720 --> 00:26:18,480
Speaker 2: hundred bucks. Like, that's a money win in any financial

583
00:26:18,480 --> 00:26:21,200
Speaker 2: advice circumstance. If you go to another advisor who has

584
00:26:21,320 --> 00:26:25,560
Speaker 2: not been structured to just give insurance advice like Phil's

585
00:26:25,560 --> 00:26:28,480
Speaker 2: structured his business, it will be a minimum of fifteen

586
00:26:28,560 --> 00:26:31,960
Speaker 2: hundred to three thousand dollars for insurance only advice because

587
00:26:31,960 --> 00:26:34,560
Speaker 2: that's just what it costs that business to do, whereas

588
00:26:34,600 --> 00:26:38,119
Speaker 2: Phil only does insurance. And I kind of like that

589
00:26:38,160 --> 00:26:40,200
Speaker 2: because you go, you know what, I'm not going to

590
00:26:40,240 --> 00:26:42,760
Speaker 2: talk to you about my investments, but I know that

591
00:26:42,880 --> 00:26:45,879
Speaker 2: you know everything about insurance because it's all they do.

592
00:26:45,960 --> 00:26:48,280
Speaker 2: It's their bread and butter. It's not just like for

593
00:26:48,359 --> 00:26:51,400
Speaker 2: a lot of financial advisors like I historically, and I'm

594
00:26:51,400 --> 00:26:53,520
Speaker 2: not trying to throw myself under a bus, but I

595
00:26:53,840 --> 00:26:57,560
Speaker 2: historically worked in the investment space and for me, insurance

596
00:26:57,640 --> 00:26:59,960
Speaker 2: was important because it was a hygiene factor for my client.

597
00:27:00,560 --> 00:27:02,440
Speaker 2: But I'd sit just down and be like, okay, cool,

598
00:27:02,520 --> 00:27:04,679
Speaker 2: so we're really prioritizing this, I'm going to go do

599
00:27:04,760 --> 00:27:07,240
Speaker 2: your insurances on the side, set all of that up,

600
00:27:07,359 --> 00:27:10,760
Speaker 2: but then really focus on investment. Whereas Phil his team

601
00:27:10,760 --> 00:27:12,760
Speaker 2: are going to be one hundred percent dedicated to making

602
00:27:12,800 --> 00:27:16,160
Speaker 2: sure that you're getting the right insurance for you. They're

603
00:27:16,160 --> 00:27:19,240
Speaker 2: going to do the ongoing management really cheaply, and it's

604
00:27:19,320 --> 00:27:21,840
Speaker 2: just to me, makes financial sense.

605
00:27:22,560 --> 00:27:24,560
Speaker 3: The next thing, it's a laundry list.

606
00:27:25,800 --> 00:27:28,160
Speaker 2: The next thing, my friend, well, she made it very

607
00:27:28,160 --> 00:27:30,479
Speaker 2: clear I need to do X. I'm like, I have

608
00:27:30,520 --> 00:27:33,760
Speaker 2: all these resources. Sit down, baby. The next thing you're

609
00:27:33,760 --> 00:27:35,879
Speaker 2: going to do is called the Zella Money team. Not

610
00:27:35,960 --> 00:27:37,720
Speaker 2: call them. We don't have a phone that you can

611
00:27:37,760 --> 00:27:40,040
Speaker 2: call unless Kate gives you her mobile number. And she

612
00:27:40,080 --> 00:27:41,920
Speaker 2: never answers me, so I don't know why I should

613
00:27:41,920 --> 00:27:44,240
Speaker 2: answer you, or maybe she would answer you, and that's

614
00:27:44,280 --> 00:27:46,520
Speaker 2: a sign. But I would talk to the Zella Money

615
00:27:46,520 --> 00:27:48,520
Speaker 2: team because if you think you're in a better position

616
00:27:48,600 --> 00:27:51,560
Speaker 2: to buy, that's actually one of the first conversations I'd

617
00:27:51,600 --> 00:27:55,760
Speaker 2: have before establishing insurances. I would actually go and speak

618
00:27:55,760 --> 00:27:57,560
Speaker 2: to the broker. And do you know why I would

619
00:27:57,560 --> 00:28:00,000
Speaker 2: do that, because if you are in a better position

620
00:28:00,640 --> 00:28:03,680
Speaker 2: to go and get your property of your dreams, right.

621
00:28:03,760 --> 00:28:05,720
Speaker 2: Let's say that you are in the best position to

622
00:28:05,760 --> 00:28:09,880
Speaker 2: buy actually right now, if you already established your insurances.

623
00:28:10,400 --> 00:28:12,520
Speaker 2: Once you settle on this property, you have to review

624
00:28:12,520 --> 00:28:16,119
Speaker 2: your insurances to consider the new debt that you've taken on, right,

625
00:28:16,440 --> 00:28:18,520
Speaker 2: So I would be talking to the broker first and

626
00:28:18,560 --> 00:28:20,960
Speaker 2: going hey, like, what's the probability? Like what do my

627
00:28:21,000 --> 00:28:23,320
Speaker 2: timeframes look like? Am I comfortable with this? Is this

628
00:28:23,400 --> 00:28:26,760
Speaker 2: actually something I want to do? Chat to the Zeala

629
00:28:26,800 --> 00:28:29,800
Speaker 2: Money team or a mortgage broker. To be honest, I

630
00:28:29,800 --> 00:28:32,439
Speaker 2: don't mind who you talk to. I obviously know and

631
00:28:32,520 --> 00:28:35,240
Speaker 2: trust to the Zeala Money Team, but any good broker

632
00:28:35,359 --> 00:28:37,479
Speaker 2: is going to be able to have this conversation with you,

633
00:28:38,000 --> 00:28:40,880
Speaker 2: sit down with them, work out your time frames. If

634
00:28:40,960 --> 00:28:44,000
Speaker 2: buying is another twelve months off, go see philp get

635
00:28:44,000 --> 00:28:47,360
Speaker 2: your insurances implemented, and then at your twelve month review

636
00:28:47,520 --> 00:28:49,800
Speaker 2: you can update those to be reflective of your new

637
00:28:49,840 --> 00:28:52,880
Speaker 2: hopeful purchase. But if you're buying in the next two

638
00:28:52,920 --> 00:28:56,520
Speaker 2: to three months, honestly I would buy and then implement insurances.

639
00:28:56,880 --> 00:28:59,320
Speaker 2: Does that make sense and why you might do it

640
00:28:59,320 --> 00:29:02,120
Speaker 2: that way? Say the double handling, save the double handling,

641
00:29:02,440 --> 00:29:04,440
Speaker 2: save having to go back and be like, hey, I

642
00:29:04,520 --> 00:29:06,960
Speaker 2: actually now have six hundred thousand dollars of debt that

643
00:29:07,000 --> 00:29:08,719
Speaker 2: I didn't have before. You're going to have to do

644
00:29:08,760 --> 00:29:10,080
Speaker 2: a whole new statement of advice.

645
00:29:10,120 --> 00:29:12,600
Speaker 3: I don't pay for advice twas, don't pay for advice

646
00:29:12,680 --> 00:29:14,920
Speaker 3: twice if you can want it exactly.

647
00:29:15,000 --> 00:29:17,720
Speaker 2: So that's what I would be doing if I were you.

648
00:29:18,320 --> 00:29:20,640
Speaker 2: But when it comes to what you should do with

649
00:29:20,720 --> 00:29:23,680
Speaker 2: your tax return, well, my friend is up to you.

650
00:29:24,000 --> 00:29:26,600
Speaker 2: But I just think that I wrote an article the

651
00:29:26,640 --> 00:29:30,000
Speaker 2: other week on girl math and how much I don't

652
00:29:30,000 --> 00:29:33,719
Speaker 2: particularly love this concept of girl math, because I think

653
00:29:33,960 --> 00:29:37,320
Speaker 2: it really downplays how intelligent women are when it comes

654
00:29:37,360 --> 00:29:40,520
Speaker 2: to finances and money and goes, oh my gosh, we're

655
00:29:40,520 --> 00:29:44,280
Speaker 2: just trying to justify frivolous purchases, Whereas I would really

656
00:29:44,360 --> 00:29:46,320
Speaker 2: hope that Jess, if you went out and bought a

657
00:29:46,320 --> 00:29:49,120
Speaker 2: new dress, you could just be like, yeah, I like

658
00:29:49,160 --> 00:29:52,080
Speaker 2: the dress. I know I can afford it, and it's

659
00:29:52,080 --> 00:29:54,040
Speaker 2: in line with my values, and I'd be like, that's hot.

660
00:29:55,040 --> 00:29:57,320
Speaker 2: You justifying how many times you're going to wear it

661
00:29:57,400 --> 00:29:59,440
Speaker 2: and what cost per wear looks like and all of

662
00:29:59,480 --> 00:30:02,080
Speaker 2: these other things. I go, that's great, and I totally

663
00:30:02,080 --> 00:30:05,040
Speaker 2: think we should understand, like, Jesse, you buying a five

664
00:30:05,120 --> 00:30:07,480
Speaker 2: hundred dollar dress, Like we really do need to talk

665
00:30:07,480 --> 00:30:09,200
Speaker 2: about this, you gon know, wear it often? Or is

666
00:30:09,240 --> 00:30:11,880
Speaker 2: this like a once off kind of thing, Like let's

667
00:30:12,040 --> 00:30:14,120
Speaker 2: justify the purchase in that way, but like, let's not

668
00:30:14,160 --> 00:30:17,200
Speaker 2: distill it down to you justifying a purchase you didn't

669
00:30:17,240 --> 00:30:20,800
Speaker 2: need to make, because it's frivolous. Like you're smart. I

670
00:30:20,880 --> 00:30:23,520
Speaker 2: know you've got a budget for your clothing. I know

671
00:30:23,680 --> 00:30:26,000
Speaker 2: that's a value to you because you're literally the most

672
00:30:26,080 --> 00:30:29,720
Speaker 2: fashionable person I've ever met. And it's really frustrating because

673
00:30:29,720 --> 00:30:32,800
Speaker 2: I always look like a foot But it's one of

674
00:30:32,840 --> 00:30:35,080
Speaker 2: those things where you go, well, actually, Jesse is really

675
00:30:35,080 --> 00:30:37,280
Speaker 2: financially savvy, and if she's got a new dress, like,

676
00:30:37,360 --> 00:30:39,320
Speaker 2: no one should be questioning her because I know she's

677
00:30:39,360 --> 00:30:42,360
Speaker 2: made good financial decisions. And that's how everybody should be

678
00:30:42,400 --> 00:30:44,959
Speaker 2: respected when it comes to financial decisions, not looking at

679
00:30:44,960 --> 00:30:48,600
Speaker 2: them being like Victoria gets eyelash extensions. That's a little

680
00:30:48,640 --> 00:30:50,840
Speaker 2: bit silly, do you know what I mean? I just

681
00:30:50,840 --> 00:30:53,080
Speaker 2: think we're smarter than this, and in a world where

682
00:30:53,520 --> 00:30:58,040
Speaker 2: we are still constantly battling to be respected as women

683
00:30:58,200 --> 00:31:01,680
Speaker 2: in the finance space, to be respected as good investors

684
00:31:01,760 --> 00:31:04,680
Speaker 2: or smart savers. I don't think now is actually the

685
00:31:04,680 --> 00:31:07,400
Speaker 2: time that we can joke about women being frivolous with money,

686
00:31:07,440 --> 00:31:09,960
Speaker 2: like we're not there yet. Isn't actually a joke. It's

687
00:31:09,960 --> 00:31:14,720
Speaker 2: an underlying factor that is left over from the patriarchy

688
00:31:14,800 --> 00:31:18,600
Speaker 2: being better at things. And that's why men find it funny. Right,

689
00:31:18,800 --> 00:31:21,920
Speaker 2: It's not because we are actually good at money and

690
00:31:21,920 --> 00:31:24,200
Speaker 2: we're like, ah, oh my god, Yess, you're so bad

691
00:31:24,240 --> 00:31:26,760
Speaker 2: with money. If I laugh with Jess about being bad

692
00:31:26,800 --> 00:31:28,640
Speaker 2: with money, it's because I know she's bloody good at it.

693
00:31:29,680 --> 00:31:33,280
Speaker 2: Whereas that permission by having that conversation on a grander

694
00:31:33,360 --> 00:31:37,200
Speaker 2: scale might make people think, oh, well, Jess just calculates

695
00:31:37,200 --> 00:31:39,040
Speaker 2: that by it cost per wear, And I totally looked

696
00:31:39,080 --> 00:31:40,880
Speaker 2: at this five hundred dollars dress and I'm actually gonna

697
00:31:40,880 --> 00:31:42,360
Speaker 2: wear it like five hundred times, So that makes the

698
00:31:42,440 --> 00:31:44,120
Speaker 2: dress like a dollar so that doesn't matter, and I

699
00:31:44,280 --> 00:31:46,720
Speaker 2: totally can justify it that way, and then they pop

700
00:31:46,760 --> 00:31:50,360
Speaker 2: it on their credit card. Like, I think, this narrative

701
00:31:50,680 --> 00:31:53,800
Speaker 2: of not being smart financially it is going to give

702
00:31:53,840 --> 00:31:57,160
Speaker 2: too many people permission to not be smart financially.

703
00:31:57,560 --> 00:31:59,760
Speaker 3: Right, So with the tax retam. What you're saying is

704
00:32:00,280 --> 00:32:01,400
Speaker 3: make smart money, does it?

705
00:32:01,480 --> 00:32:04,440
Speaker 2: Yeah? Don't be like, oh my gosh, I deserve new dresses,

706
00:32:04,640 --> 00:32:06,760
Speaker 2: I deserve to do this, or oh my gosh, I

707
00:32:06,800 --> 00:32:10,120
Speaker 2: deserve a weekend away. Let's actually look at your financial position.

708
00:32:10,360 --> 00:32:15,680
Speaker 2: Do you have an emergency fund? Yes, fantastic? Is it

709
00:32:15,720 --> 00:32:19,840
Speaker 2: completely topped up? Have you reviewed your expenses recently? Because

710
00:32:19,920 --> 00:32:22,160
Speaker 2: we always say aim between three and six months or

711
00:32:22,160 --> 00:32:25,400
Speaker 2: like whatever you're most comfortable with. Those are just guidelines,

712
00:32:25,480 --> 00:32:28,440
Speaker 2: nothing set in stone, but people like guidelines, so we

713
00:32:28,440 --> 00:32:32,560
Speaker 2: always give them. Have your expenses changed significantly recently with

714
00:32:32,640 --> 00:32:35,040
Speaker 2: the increasing cost of living, but also like your mortgage

715
00:32:35,080 --> 00:32:36,680
Speaker 2: repayments or something, do we need to look at that?

716
00:32:36,880 --> 00:32:40,840
Speaker 2: Is that still reflective of your actual cost over three months?

717
00:32:41,480 --> 00:32:45,120
Speaker 2: The answer is yes, oh fantastic, Jessica. What else are

718
00:32:45,120 --> 00:32:48,240
Speaker 2: you working towards? You haven't bought a house yet. Could

719
00:32:48,320 --> 00:32:50,080
Speaker 2: that go towards your house deposit and get you a

720
00:32:50,080 --> 00:32:52,400
Speaker 2: little bit closer? Could that, you know, go to a

721
00:32:52,480 --> 00:32:54,880
Speaker 2: million other things. I don't think it's bad to carve

722
00:32:54,920 --> 00:32:58,560
Speaker 2: off a little bit as a treaty tree. Yeah, treaty tree,

723
00:32:58,920 --> 00:33:01,800
Speaker 2: But I think that just blowing your entire tax return

724
00:33:01,840 --> 00:33:04,200
Speaker 2: on a new handbag when you're not in a financial

725
00:33:04,240 --> 00:33:06,040
Speaker 2: position to do that, because you're like, oh, it's not

726
00:33:06,120 --> 00:33:08,880
Speaker 2: actually real money, it's like fake money. It's just my

727
00:33:09,000 --> 00:33:12,360
Speaker 2: tax return. Actually, my friend, that is money that you earned.

728
00:33:12,680 --> 00:33:15,720
Speaker 2: That is real money that you earned, that was put

729
00:33:15,760 --> 00:33:18,920
Speaker 2: aside for you to pay taxes, and now it's not.

730
00:33:19,200 --> 00:33:21,160
Speaker 2: So it's kind of like a bonus to get you

731
00:33:21,200 --> 00:33:23,960
Speaker 2: ahead financially. Now you're deciding that that's not what you

732
00:33:24,000 --> 00:33:27,320
Speaker 2: want to do with it. Again, educated decisions. You want

733
00:33:27,320 --> 00:33:29,360
Speaker 2: to go buy a handbag with it, you do, you, babe,

734
00:33:29,360 --> 00:33:32,280
Speaker 2: But at least you know that you're in a financially

735
00:33:32,360 --> 00:33:34,960
Speaker 2: secure position. And I promise future you was going to

736
00:33:35,080 --> 00:33:37,520
Speaker 2: thank you if you put yourself in a position where

737
00:33:37,560 --> 00:33:39,440
Speaker 2: you have an emergency fund where you didn't have it,

738
00:33:39,640 --> 00:33:43,600
Speaker 2: because whether that is five dollars or five hundred dollars

739
00:33:43,600 --> 00:33:46,760
Speaker 2: that you didn't have yesterday, future you, when they need that,

740
00:33:46,800 --> 00:33:48,280
Speaker 2: they can be like, oh my gosh, that was so

741
00:33:48,280 --> 00:33:50,600
Speaker 2: smart of me to put that to the side. Yeah guaranteed.

742
00:33:50,800 --> 00:33:52,680
Speaker 3: Yeah, I reckon, she's going to do something smart because

743
00:33:52,720 --> 00:33:54,520
Speaker 3: she knew she's obviously she.

744
00:33:54,480 --> 00:33:55,680
Speaker 2: Knew, lady.

745
00:33:55,800 --> 00:33:58,280
Speaker 3: Yes, I feel like that was just a little nice

746
00:33:58,280 --> 00:33:58,720
Speaker 3: pep talk.

747
00:33:58,840 --> 00:34:02,640
Speaker 2: Yeah, I like Faithan's all right, let's move on. We

748
00:34:02,720 --> 00:34:08,440
Speaker 2: have a not as spicy as usual. DN, That's okay,

749
00:34:08,520 --> 00:34:13,200
Speaker 2: but it's still interesting. A topical conversation, okay, where I

750
00:34:13,239 --> 00:34:17,760
Speaker 2: think it's going to divide the room? Maybe are you ready?

751
00:34:18,320 --> 00:34:21,840
Speaker 2: So this week our community dilemma is this message that

752
00:34:21,880 --> 00:34:25,080
Speaker 2: we received, Hi team. I currently rent a home with

753
00:34:25,160 --> 00:34:28,120
Speaker 2: my husband and two children, and with recent rent increases

754
00:34:28,160 --> 00:34:31,040
Speaker 2: and my self on maternity leave, we're living paycheck to

755
00:34:31,080 --> 00:34:36,120
Speaker 2: paycheck with basically no savings. My lovely parents have offered

756
00:34:36,120 --> 00:34:38,600
Speaker 2: to have us move into their home, but the thought

757
00:34:38,640 --> 00:34:41,160
Speaker 2: of moving my family of for into the space of

758
00:34:41,280 --> 00:34:44,200
Speaker 2: two bedrooms, and if I'm being honest, the thought of

759
00:34:44,239 --> 00:34:47,080
Speaker 2: moving back in with my parents is one that I'm

760
00:34:47,080 --> 00:34:50,520
Speaker 2: not sure I love. How do you decide between getting

761
00:34:50,520 --> 00:34:55,719
Speaker 2: ahead financially and your pride and your comfort? Ooh, do

762
00:34:55,800 --> 00:34:56,760
Speaker 2: you want to go first?

763
00:34:57,680 --> 00:34:59,760
Speaker 3: I mean, it's so hard because I guess it depends

764
00:34:59,760 --> 00:35:04,040
Speaker 3: on what your definition of paycheck to paycheck is. Because

765
00:35:04,280 --> 00:35:06,840
Speaker 3: I can understand if you are literally like down to

766
00:35:06,880 --> 00:35:09,160
Speaker 3: your if we're taking it like quite literally, and you're

767
00:35:09,200 --> 00:35:12,879
Speaker 3: like I have every dollar accounted for, I'm barely scraping by.

768
00:35:13,040 --> 00:35:16,600
Speaker 3: I can't do anything fun. I'm really stress to me.

769
00:35:17,280 --> 00:35:19,319
Speaker 3: It's a really obvious choice to move back in with

770
00:35:19,360 --> 00:35:20,480
Speaker 3: your parents, and I guess it is.

771
00:35:20,440 --> 00:35:23,319
Speaker 2: Also massively privileged, very privileged, but.

772
00:35:23,280 --> 00:35:27,480
Speaker 3: Also largely dependent on your relationship with your parents too,

773
00:35:27,680 --> 00:35:30,600
Speaker 3: because I suppose if you're moving into right now, it

774
00:35:30,680 --> 00:35:32,960
Speaker 3: sounds fantastic, it's so kind of them to offer that

775
00:35:33,000 --> 00:35:36,600
Speaker 3: to you. But if you have a difficult relationship, or

776
00:35:36,719 --> 00:35:39,920
Speaker 3: historically you've had a difficult relationship, that could be compounded

777
00:35:39,960 --> 00:35:42,000
Speaker 3: by being in close quarters all of the time, And

778
00:35:42,080 --> 00:35:44,960
Speaker 3: so I guess that is a factor to consider as well.

779
00:35:45,400 --> 00:35:48,560
Speaker 3: I mean, if that is manageable, I feel I go

780
00:35:48,719 --> 00:35:50,520
Speaker 3: for it. That's not something a lot of people have

781
00:35:50,560 --> 00:35:53,239
Speaker 3: the option of. Not everybody's parents can accommodate them. Not

782
00:35:53,280 --> 00:35:56,560
Speaker 3: everyone's parents will accommodate them. The amount of money, even

783
00:35:56,600 --> 00:35:58,200
Speaker 3: if it was a short period of time that you

784
00:35:58,200 --> 00:36:02,000
Speaker 3: could potentially save, even if you were still contributing to bills,

785
00:36:02,040 --> 00:36:04,640
Speaker 3: If you're splitting bills between your parents and your family

786
00:36:04,719 --> 00:36:08,560
Speaker 3: rather than just paying them yourself, that's still gonna put

787
00:36:08,560 --> 00:36:10,439
Speaker 3: you quite far ahead. So it's kind of like short

788
00:36:10,480 --> 00:36:12,920
Speaker 3: term pay, long term gain. Yeah, but for some people.

789
00:36:12,920 --> 00:36:14,799
Speaker 3: They might love their family. They might be like, oh

790
00:36:14,840 --> 00:36:17,640
Speaker 3: my god, movie nights free babysitting, Like it's gonna be

791
00:36:17,719 --> 00:36:19,000
Speaker 3: like the Brady Bunching.

792
00:36:19,080 --> 00:36:23,000
Speaker 2: My girlfriends literally ended up buying a house that was

793
00:36:23,239 --> 00:36:25,960
Speaker 2: two houses stuck together so that she could be that

794
00:36:26,120 --> 00:36:29,160
Speaker 2: close with her parents in law. That's cute, and I

795
00:36:29,160 --> 00:36:32,440
Speaker 2: think that is so wholesome, like so incredible.

796
00:36:33,400 --> 00:36:34,840
Speaker 3: No, not for me, but I.

797
00:36:36,920 --> 00:36:41,560
Speaker 2: Love Steve's parents, but I cannot imagine being that close

798
00:36:41,600 --> 00:36:44,480
Speaker 2: to other people. But then there are people that are like, no, babe,

799
00:36:44,560 --> 00:36:47,719
Speaker 2: I thrive on that. It's literally the best thing. Our

800
00:36:47,840 --> 00:36:51,120
Speaker 2: kids are obsessed with just having their grandparents downstairs. And

801
00:36:51,160 --> 00:36:55,120
Speaker 2: I'm like, oh, that sounds amazing for you, And.

802
00:36:55,080 --> 00:36:56,759
Speaker 3: I guess that's where the comfort thing really comes in.

803
00:36:56,840 --> 00:36:59,600
Speaker 3: There is if you're someone who really I'm very introveted.

804
00:36:59,640 --> 00:37:02,000
Speaker 3: I like having my space. That's what I need to recharge.

805
00:37:02,239 --> 00:37:05,359
Speaker 3: Adding more people into that situation for me would suck.

806
00:37:05,520 --> 00:37:07,759
Speaker 2: You can move in with me, It's okay, Yeah, you

807
00:37:07,800 --> 00:37:10,160
Speaker 2: can't bring your cats because then there would be two

808
00:37:10,200 --> 00:37:13,759
Speaker 2: four D dog Actually no, I mean I'm for that.

809
00:37:13,800 --> 00:37:16,480
Speaker 2: I've changed my mind. We'll convinced Eve.

810
00:37:16,560 --> 00:37:19,520
Speaker 3: We'll figure it out. But yeah, like for some people,

811
00:37:19,520 --> 00:37:22,239
Speaker 3: I can see why you would be concerned as well,

812
00:37:22,280 --> 00:37:23,799
Speaker 3: and it can be a hard thing to say, Like

813
00:37:23,840 --> 00:37:25,799
Speaker 3: if your parents have said, oh, like you can move

814
00:37:25,840 --> 00:37:28,640
Speaker 3: in with us, it's also hard to then justify to

815
00:37:28,680 --> 00:37:31,800
Speaker 3: them why you wouldn't want to do that without really

816
00:37:31,960 --> 00:37:35,040
Speaker 3: like you, yeah, like, that's not what I'm saying. It's

817
00:37:35,120 --> 00:37:37,000
Speaker 3: just my space and my time and my like where

818
00:37:37,000 --> 00:37:37,800
Speaker 3: do we put our stuff?

819
00:37:37,880 --> 00:37:40,800
Speaker 2: I'm an adult now. Yeah, it's it's a hard conversation

820
00:37:40,880 --> 00:37:43,400
Speaker 2: to have as well. What are your thoughts?

821
00:37:43,239 --> 00:37:45,719
Speaker 4: It's such a tough one because I guess exactly what

822
00:37:45,719 --> 00:37:49,279
Speaker 4: you're saying, Like, what is the dynamic here? If you

823
00:37:49,520 --> 00:37:53,040
Speaker 4: have parents who I guess like you're kind of walking

824
00:37:53,080 --> 00:37:55,839
Speaker 4: around the house not wanting to upset them, would you

825
00:37:56,000 --> 00:37:57,719
Speaker 4: feel like you have the kind of relationship where they

826
00:37:57,800 --> 00:38:00,280
Speaker 4: maybe don't respect your boundaries, They're coming into your personal

827
00:38:00,320 --> 00:38:02,520
Speaker 4: space a lot of the time. Would they be offended

828
00:38:02,600 --> 00:38:05,000
Speaker 4: if you need alone time after spending a lot of

829
00:38:05,000 --> 00:38:07,400
Speaker 4: time with them, Do you feel like you just be

830
00:38:07,520 --> 00:38:11,120
Speaker 4: constantly anxious that you've upset them at some point? I

831
00:38:12,000 --> 00:38:14,719
Speaker 4: just don't think I would want to live like that.

832
00:38:14,840 --> 00:38:17,960
Speaker 4: If that's the relationship that you have. But if you

833
00:38:18,040 --> 00:38:22,879
Speaker 4: have like super crazy parents, like they are totally totally

834
00:38:22,920 --> 00:38:25,560
Speaker 4: respected boundaries, they can give you all the pricy you need.

835
00:38:25,600 --> 00:38:28,040
Speaker 4: They understand that you have your own family, and they

836
00:38:28,160 --> 00:38:31,399
Speaker 4: understand that people need space and time, and they can

837
00:38:31,400 --> 00:38:33,680
Speaker 4: be grumpy, they can be happy all these things. If

838
00:38:33,680 --> 00:38:36,920
Speaker 4: they're completely accepting of that, and you're not worried about anything,

839
00:38:37,120 --> 00:38:38,880
Speaker 4: then like, sure, do it.

840
00:38:38,960 --> 00:38:39,680
Speaker 3: Oh you know what I mean.

841
00:38:40,000 --> 00:38:41,399
Speaker 2: I understand it's way more to it.

842
00:38:41,360 --> 00:38:45,239
Speaker 4: Of course, like reducing your space to just two bedrooms,

843
00:38:45,680 --> 00:38:47,680
Speaker 4: so the comfort there is something that you'd have to

844
00:38:47,960 --> 00:38:48,799
Speaker 4: really compromise.

845
00:38:49,719 --> 00:38:52,520
Speaker 2: But exactly exactly what you're saying, like a little.

846
00:38:52,280 --> 00:38:53,600
Speaker 4: Bit, just do it for a little bit of time,

847
00:38:53,640 --> 00:38:56,920
Speaker 4: save up some money, wait unto you're comfortable, go back

848
00:38:56,960 --> 00:38:59,839
Speaker 4: out there and try again, and then if you get

849
00:39:00,239 --> 00:39:04,520
Speaker 4: down the dragon or whatever the.

850
00:39:04,480 --> 00:39:07,879
Speaker 2: Song says, that's the song to be listening to right now.

851
00:39:08,120 --> 00:39:11,840
Speaker 4: But exactly right, Jessica, I do actually tend to agree

852
00:39:11,880 --> 00:39:14,000
Speaker 4: with you for this one. Just if you have the

853
00:39:14,040 --> 00:39:16,040
Speaker 4: resources to stay with your parents and you have that

854
00:39:16,280 --> 00:39:20,400
Speaker 4: ability to take advantage for a little while, unless it

855
00:39:20,400 --> 00:39:22,480
Speaker 4: will really stress you out, then it's not worth it.

856
00:39:23,080 --> 00:39:25,439
Speaker 2: What do you reckon bed I'm probably a little bit

857
00:39:25,480 --> 00:39:26,240
Speaker 2: more planned.

858
00:39:27,000 --> 00:39:28,200
Speaker 3: Okay, I'm proper.

859
00:39:29,560 --> 00:39:31,000
Speaker 2: I don't think any of you are going to see

860
00:39:31,000 --> 00:39:33,040
Speaker 2: this coming, but I would want you to make a plan.

861
00:39:34,719 --> 00:39:36,719
Speaker 2: So I want you to actually sit down and not

862
00:39:36,760 --> 00:39:39,400
Speaker 2: make a decision yet, like do a pros and CON's

863
00:39:39,440 --> 00:39:41,560
Speaker 2: list of like what are all the benefits of moving in?

864
00:39:41,840 --> 00:39:44,680
Speaker 2: And then what are the cons? Like be savage because

865
00:39:44,840 --> 00:39:47,520
Speaker 2: those things could make or break relationships.

866
00:39:48,280 --> 00:39:49,680
Speaker 3: Don't leave it anywhere anyone could read.

867
00:39:49,600 --> 00:39:51,879
Speaker 2: It, burn it, put it in your phone, and then

868
00:39:51,920 --> 00:39:55,960
Speaker 2: backspace it once you're done. Like the CON's list doesn't

869
00:39:56,000 --> 00:39:57,640
Speaker 2: need to see the light of day. But you need

870
00:39:57,680 --> 00:40:00,359
Speaker 2: to sit down with your partner in this circumstance, all right,

871
00:40:00,440 --> 00:40:03,799
Speaker 2: yess what's the worst thing? And Jess could be like

872
00:40:03,960 --> 00:40:07,200
Speaker 2: v I literally hate it when Steve xyzs and I'll

873
00:40:07,200 --> 00:40:09,239
Speaker 2: be like, whoop, don't tell Steve that's good to have

874
00:40:09,360 --> 00:40:11,680
Speaker 2: on the list. So I think it's important to look

875
00:40:11,719 --> 00:40:14,000
Speaker 2: at your pros and cons and then make a plan

876
00:40:14,160 --> 00:40:17,480
Speaker 2: and be really clear on that plan. So why are

877
00:40:17,520 --> 00:40:20,160
Speaker 2: you making this decision? Because if you go, oh, Beck,

878
00:40:20,200 --> 00:40:22,160
Speaker 2: you can move back in with me to save a

879
00:40:22,160 --> 00:40:23,960
Speaker 2: bit of money, and you go, yeah, no worries well

880
00:40:23,960 --> 00:40:27,279
Speaker 2: what does that mean, Like, look at your budget, to

881
00:40:27,360 --> 00:40:30,160
Speaker 2: a comprehensive budget and sit down and go all right, well,

882
00:40:30,200 --> 00:40:32,600
Speaker 2: if we're not paying rent for this period of time,

883
00:40:32,719 --> 00:40:35,520
Speaker 2: we're going to save twelve hundred dollars two and a

884
00:40:35,560 --> 00:40:39,000
Speaker 2: half thousand dollars a month. Whatever that looks like. Is

885
00:40:39,040 --> 00:40:42,000
Speaker 2: that feasible? What other fees and charges and other things

886
00:40:42,040 --> 00:40:43,480
Speaker 2: in the background. Might we have to.

887
00:40:43,480 --> 00:40:46,200
Speaker 3: Pay storage for your furniture or something, all of.

888
00:40:46,200 --> 00:40:49,480
Speaker 2: That kind of stuff. But also I would be adding

889
00:40:49,560 --> 00:40:52,600
Speaker 2: in some personal time too. You know, obviously you need

890
00:40:52,640 --> 00:40:55,400
Speaker 2: to be discussing this with your parents because there's kids involved.

891
00:40:55,760 --> 00:40:57,719
Speaker 2: But I'm going to make the grand assumption that if

892
00:40:57,760 --> 00:41:00,160
Speaker 2: you're living under the same roof as somebody else, you're

893
00:41:00,200 --> 00:41:02,160
Speaker 2: probably going to want maybe like an extra date night

894
00:41:02,239 --> 00:41:05,600
Speaker 2: or something away from that dynamic to make it more

895
00:41:05,760 --> 00:41:08,319
Speaker 2: palatable in the long term. Yes, good work. You're going

896
00:41:08,360 --> 00:41:11,840
Speaker 2: to sit down and work out Okay, Well, Jess and

897
00:41:11,800 --> 00:41:13,759
Speaker 2: I've worked out that if we move our family back

898
00:41:13,800 --> 00:41:16,200
Speaker 2: in with my parents, we're going to save twenty five

899
00:41:16,280 --> 00:41:18,719
Speaker 2: hundred dollars a month at a minimum. How much do

900
00:41:18,760 --> 00:41:21,440
Speaker 2: we want to save? What is the goal here? Like,

901
00:41:21,480 --> 00:41:23,960
Speaker 2: are we just saving for a month. Are we saving

902
00:41:23,960 --> 00:41:26,279
Speaker 2: for three months? Are we saving for six months? Are

903
00:41:26,320 --> 00:41:28,480
Speaker 2: we saving a whole house deposit? If we are saving

904
00:41:28,520 --> 00:41:31,160
Speaker 2: a whole house deposit, what does that look like? Is

905
00:41:31,200 --> 00:41:33,359
Speaker 2: that ten thousand dollars? Is it one hundred thousand dollars?

906
00:41:33,360 --> 00:41:35,359
Speaker 2: I'm going to move back in with my parents to

907
00:41:35,360 --> 00:41:37,239
Speaker 2: do your whole house deposit and that's going to be

908
00:41:37,280 --> 00:41:41,120
Speaker 2: four years? What does that actually look like? And I

909
00:41:41,200 --> 00:41:44,400
Speaker 2: would say shameless plug use the she's on the money

910
00:41:44,400 --> 00:41:48,440
Speaker 2: goal setting activity, which means that you are specific, optimistic,

911
00:41:48,480 --> 00:41:52,120
Speaker 2: time bound, and then also measurable. So the measurable part

912
00:41:52,120 --> 00:41:54,719
Speaker 2: will come in. If you say you're saving twenty five

913
00:41:54,800 --> 00:41:56,920
Speaker 2: hundred dollars a month and you need to get to

914
00:41:57,040 --> 00:42:00,359
Speaker 2: ten thousand dollars, what will that look like? It's that

915
00:42:00,440 --> 00:42:04,080
Speaker 2: time frame. Then once you've done your plan, you're going

916
00:42:04,120 --> 00:42:07,040
Speaker 2: to hide the cons list because if you've then decided

917
00:42:07,040 --> 00:42:09,919
Speaker 2: to move in with your parents, just delete all of that. Yeah,

918
00:42:10,040 --> 00:42:12,520
Speaker 2: pretend it didn't happen, and then you're going to go, hey,

919
00:42:12,600 --> 00:42:14,440
Speaker 2: mom and dad, before we move in, can we just

920
00:42:14,480 --> 00:42:17,239
Speaker 2: have a really big chat about what this means, because

921
00:42:17,280 --> 00:42:20,960
Speaker 2: we really flip it. We really want to respect your boundaries,

922
00:42:21,280 --> 00:42:24,200
Speaker 2: not take advantage of the home that you own and

923
00:42:24,360 --> 00:42:27,319
Speaker 2: understand what that would mean, because they might go, oh, one,

924
00:42:27,360 --> 00:42:31,160
Speaker 2: that's really thoughtful, but two they probably haven't thought about it.

925
00:42:31,600 --> 00:42:35,640
Speaker 2: Is there anything like my parents? My parents would jump

926
00:42:35,640 --> 00:42:37,680
Speaker 2: at the chance to have Steve and I move back in.

927
00:42:37,760 --> 00:42:40,560
Speaker 2: That's cute. Like they would be like, yep, yep, come live,

928
00:42:40,640 --> 00:42:43,719
Speaker 2: come stay, like we hear from them often when you

929
00:42:43,760 --> 00:42:45,880
Speaker 2: come to stay with us, when you're coming down, when

930
00:42:45,920 --> 00:42:48,120
Speaker 2: are you going to And that's so kind and I

931
00:42:48,160 --> 00:42:51,360
Speaker 2: adore it, But I would want to be like, okay, cool,

932
00:42:51,480 --> 00:42:54,560
Speaker 2: Like what would be the dynamic of cooking every night?

933
00:42:54,760 --> 00:42:57,040
Speaker 2: Especially if I have two young kids? Because there's more

934
00:42:57,080 --> 00:42:59,239
Speaker 2: of us now than of my parents, So is there

935
00:42:59,280 --> 00:43:01,640
Speaker 2: an expectation and that you know we're contributing a bit

936
00:43:01,680 --> 00:43:04,720
Speaker 2: more Mum and dad, don't worry, we'll do all the cooking.

937
00:43:04,880 --> 00:43:08,880
Speaker 2: We'll just jointly fund groceries. You guys have basically private

938
00:43:08,960 --> 00:43:14,680
Speaker 2: chef now money when life, when domestic chores? How's the

939
00:43:14,680 --> 00:43:17,480
Speaker 2: house going to stay clean? Can we talk about these

940
00:43:17,520 --> 00:43:21,000
Speaker 2: things and set some really realistic boundaries and expectations before

941
00:43:21,040 --> 00:43:25,160
Speaker 2: moving in, Because what if you're not as thoughtful as

942
00:43:25,560 --> 00:43:28,359
Speaker 2: Jess Jess? Oh, my god, if you moved in with her,

943
00:43:28,400 --> 00:43:31,400
Speaker 2: she just like clean your room too. But what if

944
00:43:31,400 --> 00:43:34,520
Speaker 2: you're not that thoughtful, and you've got your two kids

945
00:43:34,600 --> 00:43:36,839
Speaker 2: running around and your husband that maybe isn't that good

946
00:43:36,880 --> 00:43:39,040
Speaker 2: at domestic work, and then your mom's like far out

947
00:43:39,040 --> 00:43:42,440
Speaker 2: and cleaning up after them all the time. That's not fair.

948
00:43:42,880 --> 00:43:46,719
Speaker 2: So I think having these conversations up front, having a

949
00:43:46,760 --> 00:43:49,839
Speaker 2: time frame, having a desired outcome for why we are

950
00:43:49,840 --> 00:43:52,840
Speaker 2: doing that is one going to mean going into the

951
00:43:52,880 --> 00:43:56,879
Speaker 2: house would be easier, But also it keeps your eye

952
00:43:56,920 --> 00:43:58,720
Speaker 2: on the prize when you're there and things are hard.

953
00:43:59,320 --> 00:44:01,719
Speaker 2: Oh yes, it doesn't really matter, Like, do you know

954
00:44:01,760 --> 00:44:04,160
Speaker 2: we're halfway to that home deposit? Do you know we're

955
00:44:04,200 --> 00:44:07,680
Speaker 2: halfway to that emergency fund? Oh so much for Okay,

956
00:44:07,680 --> 00:44:10,239
Speaker 2: well maybe we'll use fifty bucks and we'll go get

957
00:44:10,239 --> 00:44:12,040
Speaker 2: a pizza and needed in the park together and just

958
00:44:12,040 --> 00:44:14,080
Speaker 2: get out of this house for a bit. Yeah, does

959
00:44:14,120 --> 00:44:17,080
Speaker 2: that make sense? So you need really clear boundaries, really

960
00:44:17,120 --> 00:44:21,279
Speaker 2: clear goals, and understanding what that actually means. When everybody else,

961
00:44:21,680 --> 00:44:24,799
Speaker 2: oh my gosh, everybody had such colorful opinions. All right,

962
00:44:24,840 --> 00:44:26,920
Speaker 2: So first we asked our community, have you moved back

963
00:44:26,920 --> 00:44:29,399
Speaker 2: in with your parents. Fifty three percent of you said yes,

964
00:44:29,520 --> 00:44:33,600
Speaker 2: Oh Genesis. We said if yes, how long for? So

965
00:44:33,840 --> 00:44:35,920
Speaker 2: this was pretty split. Twenty percent of you said one

966
00:44:35,920 --> 00:44:38,600
Speaker 2: to three months, twenty two percent said three to six,

967
00:44:38,640 --> 00:44:40,960
Speaker 2: twenty five percent said six to twelve, and thirty three

968
00:44:41,000 --> 00:44:43,200
Speaker 2: percent said for more than a year. We then had

969
00:44:43,200 --> 00:44:45,200
Speaker 2: a couple of dams, which I think were really irrelevant.

970
00:44:45,239 --> 00:44:47,200
Speaker 2: So someone said, I think it's worth looking at it

971
00:44:47,239 --> 00:44:49,400
Speaker 2: with your husband and making a plan. You're so smart.

972
00:44:49,440 --> 00:44:52,120
Speaker 2: I wish i'd thought of that, of what it could

973
00:44:52,120 --> 00:44:53,600
Speaker 2: look like if you moved back in with your parents.

974
00:44:53,640 --> 00:44:55,719
Speaker 2: It's a really great opportunity to get ahead and save

975
00:44:55,760 --> 00:44:57,719
Speaker 2: yourself some stress if you can to do it in

976
00:44:57,719 --> 00:44:59,759
Speaker 2: a way that you and your husband are comfortable with.

977
00:45:00,160 --> 00:45:02,600
Speaker 2: I'm guessing the added benefit could be some extra help

978
00:45:02,600 --> 00:45:06,200
Speaker 2: with the kids. Someone said, I recently moved in with

979
00:45:06,239 --> 00:45:09,719
Speaker 2: my partner and his mum after some hesitancy, But it's

980
00:45:09,760 --> 00:45:12,080
Speaker 2: actually been a game changer. Once you can see what

981
00:45:12,120 --> 00:45:14,360
Speaker 2: you can achieve with the extra money, it feels like

982
00:45:14,400 --> 00:45:17,400
Speaker 2: a weight has been lifted. If it is only temporary

983
00:45:17,400 --> 00:45:19,839
Speaker 2: to get ahead, keep reminding yourself that by this time

984
00:45:19,840 --> 00:45:22,719
Speaker 2: next year, or whatever your goal is, you'll actually own

985
00:45:22,760 --> 00:45:25,440
Speaker 2: your own space and will be X dollars better off,

986
00:45:25,719 --> 00:45:29,080
Speaker 2: with much more financial freedom and oververall a better quality

987
00:45:29,080 --> 00:45:32,640
Speaker 2: of life. I honestly think it is worth temporary discomfort

988
00:45:32,880 --> 00:45:35,080
Speaker 2: in order to achieve your lifelong goals.

989
00:45:35,239 --> 00:45:37,400
Speaker 3: No pain, no gain again.

990
00:45:37,600 --> 00:45:40,799
Speaker 2: Baby. Then in our little like reply box, which are

991
00:45:40,840 --> 00:45:43,399
Speaker 2: much shorter, so people said, I think so it's hard,

992
00:45:43,440 --> 00:45:46,640
Speaker 2: but it would be financially rewarding. Someone said, hell, no,

993
00:45:46,880 --> 00:45:49,080
Speaker 2: I'm not moving back in with my parents. I'll live

994
00:45:49,080 --> 00:45:53,080
Speaker 2: on the street. I said, talk with your partner and

995
00:45:53,120 --> 00:45:55,120
Speaker 2: if it's a yes, set a time limit on you

996
00:45:55,239 --> 00:45:58,279
Speaker 2: so mentally you know there's an end date. Someone said,

997
00:45:58,320 --> 00:45:59,840
Speaker 2: I moved back in with my parents to say for

998
00:45:59,840 --> 00:46:01,560
Speaker 2: he had fast to posit. It was painful, but we

999
00:46:01,600 --> 00:46:07,040
Speaker 2: saved seventy k Wowly. Someone said, financially it's a blessing,

1000
00:46:07,120 --> 00:46:10,160
Speaker 2: but mentally might not be so healthy. You need to

1001
00:46:10,160 --> 00:46:11,680
Speaker 2: set very strict boundaries.

1002
00:46:12,000 --> 00:46:13,480
Speaker 3: The boundaries thing is a big one. It's like a

1003
00:46:13,480 --> 00:46:15,040
Speaker 3: housemate thing. I'm like, what if your mum came in

1004
00:46:15,080 --> 00:46:17,240
Speaker 3: and just like picked up your undies so your heartners undies,

1005
00:46:17,280 --> 00:46:19,000
Speaker 3: so wash them for you because she's really nice. But

1006
00:46:19,080 --> 00:46:20,359
Speaker 3: I would hate like I would just hate that.

1007
00:46:20,719 --> 00:46:23,600
Speaker 2: My ex boyfriend's mum used to do that. Bless bless her.

1008
00:46:23,680 --> 00:46:26,640
Speaker 2: She was the kindest person in the entire world. But

1009
00:46:26,719 --> 00:46:31,040
Speaker 2: when you were in your very early twenties and your

1010
00:46:31,080 --> 00:46:33,960
Speaker 2: boyfriend's mum at the time folds your G string and

1011
00:46:33,960 --> 00:46:34,840
Speaker 2: puts it on the end of.

1012
00:46:34,840 --> 00:46:37,560
Speaker 3: The bed, Oh my god, that's so cute.

1013
00:46:38,080 --> 00:46:38,960
Speaker 2: You're moultified.

1014
00:46:39,640 --> 00:46:40,520
Speaker 3: Yeah, that's the word.

1015
00:46:40,800 --> 00:46:43,759
Speaker 2: Yeah, Like it's not a good feel like you're like, oh,

1016
00:46:43,800 --> 00:46:45,120
Speaker 2: that's so nice.

1017
00:46:45,400 --> 00:46:48,720
Speaker 3: Where did you find that?

1018
00:46:50,440 --> 00:46:53,560
Speaker 2: You would be a surprised. I've never done it myself,

1019
00:46:53,640 --> 00:46:56,280
Speaker 2: but she definitely did it, and it looked very pretty,

1020
00:46:56,640 --> 00:46:59,920
Speaker 2: very perfect, and I really didn't want to face her everything.

1021
00:47:00,120 --> 00:47:00,920
Speaker 3: That's understandable.

1022
00:47:01,520 --> 00:47:03,920
Speaker 2: Someone said, I'm moving with my mum. It was an ideal,

1023
00:47:04,040 --> 00:47:06,439
Speaker 2: but I can't afford to move back to Australia without

1024
00:47:06,440 --> 00:47:09,200
Speaker 2: this option. So I just think there's lots of different

1025
00:47:09,239 --> 00:47:12,600
Speaker 2: situations and lots of different outcomes. I think the general

1026
00:47:12,600 --> 00:47:15,960
Speaker 2: consensus though, from our community is make a plan, understand

1027
00:47:15,960 --> 00:47:19,120
Speaker 2: the pros and cons set boundaries, and understand your end goal.

1028
00:47:19,160 --> 00:47:23,480
Speaker 2: It's not just me, guys. Yes, perfect advice. We're trying

1029
00:47:23,520 --> 00:47:27,279
Speaker 2: our best and to be honest, if you can do

1030
00:47:27,400 --> 00:47:31,239
Speaker 2: it. It's kind of genius to save money. Pretty French is

1031
00:47:31,440 --> 00:47:34,799
Speaker 2: expensive if you could save that amount per month like

1032
00:47:34,960 --> 00:47:39,360
Speaker 2: no amount option, short term pain, long term gay. That's

1033
00:47:39,440 --> 00:47:42,160
Speaker 2: it all right, guys, I think we are done here.

1034
00:47:42,400 --> 00:47:45,000
Speaker 2: We have some fun things to get to. We will

1035
00:47:45,040 --> 00:47:47,080
Speaker 2: see you on Monday for a money Darry. We hope

1036
00:47:47,080 --> 00:47:48,279
Speaker 2: you have the best weekend ever.

1037
00:47:48,360 --> 00:47:54,680
Speaker 3: We love you, goodbye, bye bye.

1038
00:47:57,000 --> 00:47:59,600
Speaker 2: The advice shared on Cheese on the Money is generally

1039
00:47:59,719 --> 00:48:03,560
Speaker 2: nature and does not consider your individual circumstances. She's on

1040
00:48:03,640 --> 00:48:07,120
Speaker 2: the Money exists purely for educational purposes and should not

1041
00:48:07,160 --> 00:48:10,160
Speaker 2: be relied upon to make an investment or financial decision.

1042
00:48:10,560 --> 00:48:13,000
Speaker 2: If you do choose to buy a financial product, read

1043
00:48:13,040 --> 00:48:17,120
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

1044
00:48:17,200 --> 00:48:20,480
Speaker 2: your needs. Victoria Divine and She's on the Money are

1045
00:48:20,520 --> 00:48:25,560
Speaker 2: authorized representatives of Money SHERPA, pty LTD ABN three two

1046
00:48:25,560 --> 00:48:29,520
Speaker 2: one six four nine two seven seven zero eight AFSL

1047
00:48:29,680 --> 00:48:33,600
Speaker 2: four five one two eight nine