WEBVTT - Scamming the Scammer!

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

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<v Speaker 1>the Order Kerney Whoalbury and a waddery woman. And before

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<v Speaker 1>we get started on She's on the Money podcast, I

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<v Speaker 1>would like to acknowledge the traditional custodians of the land

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<v Speaker 1>of which this podcast is recorded on a wondery country,

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<v Speaker 1>acknowledging the elders, the ancestors and the next generation coming

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<v Speaker 1>through as this podcast is about connecting, empowering, knowledge sharing

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<v Speaker 1>and the storytelling of you to make a difference for

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<v Speaker 1>today and lasting impact for tomorrow.

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<v Speaker 2>Let's get into it. She's on the Money, She's on

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<v Speaker 2>the Money. Hello, and welcome to She's on the Money

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<v Speaker 2>the podcast are millennials who want financial freedom. Today, my friends,

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<v Speaker 2>it is Friday, which means it is time to bring

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<v Speaker 2>my little team back together to celebrate you ow incredible.

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<v Speaker 2>She's on the Money community today is Jess Greed. She

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<v Speaker 2>is going to be sharing our favorite money wins. We're

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<v Speaker 2>gonna get some very broke tips from the now back

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<v Speaker 2>and back in the game, Miss bechsa Ed, and we're

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<v Speaker 2>gonna be helping to answer a juicy money dilemma, which

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<v Speaker 2>this week is all about what to do with your

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<v Speaker 2>tax return, and we're going to be unpacking something that

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<v Speaker 2>you slid into our DMS about which this week we're

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<v Speaker 2>chatting about having a family and then moving in with

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<v Speaker 2>your parents to save. How have your weeks been, my love?

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<v Speaker 2>Let's start with you, Beck, because okay, you skipped last

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<v Speaker 2>week's Friday drink.

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<v Speaker 1>I know.

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<v Speaker 3>I miss you.

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<v Speaker 4>Guys, we miss you too, sock. I was admittedly not

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<v Speaker 4>sick or anything. I was just on annual leave.

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<v Speaker 2>So I mean, you have every right to do. But

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<v Speaker 2>aren't we cool enough to hang out with twenty four

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<v Speaker 2>to seven?

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<v Speaker 4>I think it's glaringly obvious to who the coolest one

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<v Speaker 4>in this group is.

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<v Speaker 3>So but no, it was really good. I moved house.

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<v Speaker 2>Oh my gosh, did you I did I know that

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<v Speaker 2>was happening. I don't think so.

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

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<v Speaker 4>I moved from Brunswick to Colton, North.

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<v Speaker 2>Oh that's bougie, which.

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<v Speaker 4>I know is like Brunswick is my hometown. RUNS want

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<v Speaker 4>to be there.

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<v Speaker 2>You're why did you move just purely for lower rent?

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<v Speaker 2>Also one of my Oh yeah that's right, because your

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<v Speaker 2>landlord increased the land. Yeah, okay, makes up doing that,

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

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<v Speaker 2>my dear friend and I've always wanted to live together,

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<v Speaker 2>so we just.

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<v Speaker 3>Decided to.

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

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<v Speaker 4>We've been there, done that. We live very well together.

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<v Speaker 4>But anyway, that's another story.

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<v Speaker 1>No.

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<v Speaker 4>My friend Allison, who might listen to this one day hopefully,

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<v Speaker 4>Hi Alison.

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<v Speaker 3>It's been a hectic week, but I'm glad.

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<v Speaker 2>Moving sucks. It's not one good thing about moving really sucks.

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<v Speaker 2>Not one except for the part where you've probably got

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<v Speaker 2>a nicer house, fresh new house fresh.

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<v Speaker 3>That's pretty good for.

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

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<v Speaker 4>that's nothing set up yet.

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

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<v Speaker 2>How's your week being. It's been good.

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<v Speaker 3>I have been getting ready for Halloween two months earlier.

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<v Speaker 3>I know one of my I love TK Max. I

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

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

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<v Speaker 3>been putting their Halloween stuff out for last weeks. So

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<v Speaker 3>I've been having a lot of fun treasure hunting because

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<v Speaker 3>it's one of those stores they just get like a

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

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<v Speaker 3>like a big treasure hunt. I joined Facebook group. Is

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

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<v Speaker 3>and you're not. Weare.

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<v Speaker 2>You're going to come into the studio and it's going

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<v Speaker 2>to be Halloween themes. I'm going to be very excited.

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<v Speaker 3>Could I do the best studio?

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<v Speaker 2>You can decorate the studio just as long as I

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<v Speaker 2>don't have to do it. We have to do literally nothing.

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<v Speaker 2>Do we get hold on? Do we get the treats?

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<v Speaker 3>Do we get treats? I feel like I could organize

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<v Speaker 3>some treats.

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<v Speaker 2>We want the treats, we want the decorations. We want

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<v Speaker 2>none of the work, and we'll take all the responsibility.

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<v Speaker 3>Should we be doing themed podcasts? No themed podcast So

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<v Speaker 3>for the people at home, I tried to convince the

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<v Speaker 3>girls last year to do a Bama Rush at not

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<v Speaker 3>like come into work dressed up as a Bama Rush girl.

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<v Speaker 2>We're smarter than that.

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<v Speaker 3>Got on board with me.

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<v Speaker 2>For the patriarchy to thrive, we do not is no,

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<v Speaker 2>absolutely not.

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<v Speaker 3>I'll explain to you after it's I don't know.

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<v Speaker 4>If I were here last year, I would have gotten

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<v Speaker 4>on board with you.

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<v Speaker 3>You wouldn't have hearing it here first, Beck and I

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<v Speaker 3>are dressing up for the Halloween episode.

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<v Speaker 4>Unless unless what Victoria is saying is true and this

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<v Speaker 4>is a little bit problematic, in which case I am

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<v Speaker 4>so against it.

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

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

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<v Speaker 4>going to go for.

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

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<v Speaker 2>do you know what one of the worst things I'm

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<v Speaker 2>awful at is if I have something exciting that's happened,

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<v Speaker 2>I will bust into the studio and tell Ane Lisa,

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<v Speaker 2>our producer, and you Beck immediately when it happens, and

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<v Speaker 2>then you have to re listen to it when we

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<v Speaker 2>record the podcast and pretend you've never heard of that

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

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<v Speaker 2>leaving it for Jess to tell everyone, have.

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<v Speaker 3>An exciting update.

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<v Speaker 2>Oh oh my god, what is it?

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<v Speaker 3>So last week?

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

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<v Speaker 2>she listened to that podcast.

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<v Speaker 3>I'm sure she did, but I.

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<v Speaker 2>Was there. I do it.

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<v Speaker 3>You do know because we've spoken about it. Someone on

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<v Speaker 3>the internet was impersonating me. Yes, everyone knows about it.

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<v Speaker 3>It's been a very very stressful thing for me because

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<v Speaker 3>they're trying to get people to buy bitcoin, and I'm

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<v Speaker 3>so upset and scared of the thought of someone doing

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<v Speaker 3>something because they thought they were it was me and

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<v Speaker 3>they trust me and they like me, and then psych

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<v Speaker 3>it's some random person on the other side of the

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<v Speaker 3>world taking you for all your money. Hate hate hate

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<v Speaker 3>hate hate. So I was talking to Victory, I'm like,

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<v Speaker 3>I doned to report it.

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<v Speaker 2>Instagram didn't take it down. So like every man and

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<v Speaker 2>his dog that we know, we have asked to report

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<v Speaker 2>this account, and every man and his dog that we

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<v Speaker 2>know has gotten back to us and said, hey, like

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<v Speaker 2>we got that notification to say that our report was

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<v Speaker 2>seen to and like the account's staying up like they

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<v Speaker 2>don't see any issue with it, And both just and

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<v Speaker 2>I were like, what the hell, this is actually really

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<v Speaker 2>really unsafe. Yeah, so we weren't impressed.

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<v Speaker 3>Yeah you told me.

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<v Speaker 2>Oh I messaged the scammer. Oh you did too, Did

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<v Speaker 2>you get any reply? I didn't. I tried.

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<v Speaker 4>I was like, hey, babe, I still ear you for dinner,

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<v Speaker 4>hit me with your deeds, and then.

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<v Speaker 3>I appreciate the affair. You know who else decided to

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<v Speaker 3>try and message the scamer and see what they could do.

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

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

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<v Speaker 3>Oh my god.

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<v Speaker 2>So I first tagged him in an Instagram post, calling

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<v Speaker 2>them out as a scammer, like I put it on

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<v Speaker 2>my stories, which We've been doing a lot recently because

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

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<v Speaker 2>I tagged them and I thought, you know what, I'm

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<v Speaker 2>just going to tag them so people like you bet

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<v Speaker 2>could click into the profile to report it. I thought

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<v Speaker 2>he would block me. He did not, he replied, being like,

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<v Speaker 2>get a life, bug off, like a lot of profanities, stay.

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<v Speaker 3>Out of this.

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<v Speaker 2>Stay out of this. Absolutely not. I've got all these

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<v Speaker 2>screenshots though, I will show you later. But basically he

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<v Speaker 2>was like, get out of this, like this isn't any

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<v Speaker 2>of your business, and I was like, I'm making it

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<v Speaker 2>my business. So yeah, one thing led to another. I

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<v Speaker 2>basically said, look, I know some people that that are

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<v Speaker 2>private investigator. I don't know one private investigator.

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

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<v Speaker 2>But what happened was I realized that if you go

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

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<v Speaker 2>and we'll tell you when they signed up, what location

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<v Speaker 2>they signed up from, and how many times they've changed

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<v Speaker 2>their profile name. And so I was like, oh, this

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<v Speaker 2>is interesting, and I, you know, a week or so ago,

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<v Speaker 2>I said to Jess, hey, did you know that the

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<v Speaker 2>account is actually based in Nigeria? And also it was

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<v Speaker 2>established in twenty eighteen, and also they've changed their name

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<v Speaker 2>like eight times, so I'm assuming they use this account

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<v Speaker 2>to like replicate you, then they delete everything, change the

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

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<v Speaker 2>I didn't even know you could do that. So we

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<v Speaker 2>started stalking other people and like just having a bit

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<v Speaker 2>of fun with that, and I was like, wow, I

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<v Speaker 2>didn't realize I joined Instagram in twenty eleven. I am

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<v Speaker 2>really old anyway, So I had that information, sure, I

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

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<v Speaker 2>Not everybody knew that. So used it to my advantage.

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<v Speaker 2>And I said, I'm a private investigator. I found him

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<v Speaker 2>on TikTok. I told the guy and I said that

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<v Speaker 2>we would create amazing content. And I was like, I mean,

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<v Speaker 2>you can keep scamming people. But my TikTok investigator guy

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<v Speaker 2>and I have a meeting later this afternoon, and he's

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<v Speaker 2>already told me heaps of stuff about you. And they

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

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<v Speaker 2>And I was like, I would never scam a scammer. I,

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<v Speaker 2>you know, used to be a financial advisor. I'm a

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

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<v Speaker 2>anything about me, and I was like, well, I already

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<v Speaker 2>know that you're based in Nigeria and you created this

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<v Speaker 2>account in twenty eighteen, and you've already scammed seven other

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<v Speaker 2>people in Jessica's the eighth and then they said, give

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

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

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<v Speaker 2>but you're a scammer, so I'm not giving you any

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<v Speaker 2>money until you delete every single post change you or

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

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<v Speaker 2>then we can talk about it, yes, And so he

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<v Speaker 2>did all that and then I said, oh, sorry, I

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<v Speaker 2>don't have two.

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<v Speaker 3>So the account we think as of today that we're recording,

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<v Speaker 3>it's not it's still.

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<v Speaker 2>It's not active. It's been the name has been changed,

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<v Speaker 2>it still exists. So we will continue to report it

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<v Speaker 2>so that other people don't end up in the same

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<v Speaker 2>trap that Jess ended up in. And obviously we've taken

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<v Speaker 2>it further to Instagram.

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<v Speaker 3>But oh the sorry, don't mess with Victoria Fine.

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<v Speaker 2>Family.

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<v Speaker 3>WHOA, that is so cool.

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<v Speaker 2>I think my favorite part about scamming the scammer is

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<v Speaker 2>how salty the scammer got when he realized he was

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<v Speaker 2>being scammed. He called me fat, He called me every

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<v Speaker 2>name under the sun. He called me ugly. He said

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<v Speaker 2>that I have no life and my friends and family

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<v Speaker 2>don't love me. And I was like, who.

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<v Speaker 3>That's a lot coming from me, my dude.

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<v Speaker 2>Rich sugar. That is hectic.

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<v Speaker 4>But you know, I find it so funny when people

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<v Speaker 4>out themselves as someone who is really clinging to low

0:11:04.040 --> 0:11:06.319
<v Speaker 4>hanging fruit, When they call someone ugly and fat and

0:11:06.320 --> 0:11:09.560
<v Speaker 4>all this stuff, I'm like, oh, you to worry about

0:11:09.559 --> 0:11:10.040
<v Speaker 4>someone like you?

0:11:10.120 --> 0:11:12.600
<v Speaker 2>I was like this second that started coming out. I

0:11:12.640 --> 0:11:15.400
<v Speaker 2>said to Jess, scame on, like, this guy is an

0:11:15.480 --> 0:11:18.600
<v Speaker 2>actual idiot, Like you might have been smart to create

0:11:18.640 --> 0:11:22.480
<v Speaker 2>this Instagram account because replicating a whole Instagram account and

0:11:22.559 --> 0:11:25.520
<v Speaker 2>having thirteen thousand fake followers, I was like, that's.

0:11:25.360 --> 0:11:26.400
<v Speaker 3>Had more followers than me.

0:11:26.559 --> 0:11:31.440
<v Speaker 2>I was like, that's trude. So everyone thought that it

0:11:31.480 --> 0:11:34.600
<v Speaker 2>was like the real one was the jests with more followers,

0:11:34.600 --> 0:11:38.160
<v Speaker 2>and it wasn't the case. I did. I was very convincing.

0:11:38.360 --> 0:11:39.840
<v Speaker 3>It was very funny.

0:11:40.000 --> 0:11:41.040
<v Speaker 2>So were these extra people.

0:11:41.040 --> 0:11:43.959
<v Speaker 3>And please come over to Jessica ches Jess Kiki, thank

0:11:43.960 --> 0:11:46.400
<v Speaker 3>you so much, but I'm so happy. What a great

0:11:46.400 --> 0:11:50.319
<v Speaker 3>outcome VD is. We had the best horning highlight of

0:11:50.320 --> 0:11:50.600
<v Speaker 3>my week.

0:11:51.440 --> 0:11:54.600
<v Speaker 2>Honestly, we had the best morning scamming a scammer. Obviously.

0:11:54.600 --> 0:11:56.600
<v Speaker 2>I was sending every single screenshot to Jess to be

0:11:56.640 --> 0:11:58.120
<v Speaker 2>like what do I say next, and she's like, I

0:11:58.160 --> 0:12:01.239
<v Speaker 2>don't know. I am just cackling, like this is amazing.

0:12:01.640 --> 0:12:04.440
<v Speaker 2>But yeah, he did all of that and then didn't

0:12:04.440 --> 0:12:06.800
<v Speaker 2>get his two hundred dollars from me that he obviously

0:12:06.840 --> 0:12:10.320
<v Speaker 2>needed me to transfer in bitcoin. Of course, of course,

0:12:10.600 --> 0:12:13.120
<v Speaker 2>of course, I was like, I'm so sorry. Don't have bitcoin.

0:12:13.160 --> 0:12:14.760
<v Speaker 2>He's like, you can sign up for an account, and I'm like.

0:12:14.760 --> 0:12:15.520
<v Speaker 3>Oh, I just checked.

0:12:15.559 --> 0:12:18.680
<v Speaker 2>You need identification to sign up for bitcoin, and he

0:12:18.760 --> 0:12:19.960
<v Speaker 2>was like, yeah, you can do that. And I was like,

0:12:20.200 --> 0:12:25.920
<v Speaker 2>I don't actually have any identification or got stolen by

0:12:26.040 --> 0:12:28.800
<v Speaker 2>some random and they're now pretending to be me on

0:12:28.880 --> 0:12:32.080
<v Speaker 2>the internet. Oh my gosh. Anyway, there's a lot of fun.

0:12:32.160 --> 0:12:34.560
<v Speaker 2>I mean, probably don't do us. I do, probably go

0:12:34.640 --> 0:12:36.680
<v Speaker 2>the usual routs, but I mean a lot of people

0:12:36.760 --> 0:12:39.320
<v Speaker 2>also messaged us and said, hey, this stuff happens all

0:12:39.320 --> 0:12:41.440
<v Speaker 2>the time. It's really hard to get rid of these

0:12:41.480 --> 0:12:44.760
<v Speaker 2>accounts because of the longevity of them. So because it

0:12:44.840 --> 0:12:48.559
<v Speaker 2>had existed since twenty eighteen and they'd obviously gone through

0:12:48.600 --> 0:12:53.280
<v Speaker 2>lots of profile changes since then, Instagram's algorithm just identifies

0:12:53.320 --> 0:12:56.800
<v Speaker 2>it as being legitimate because they're like, well, why they're

0:12:56.800 --> 0:13:00.360
<v Speaker 2>reporting it now, it's been around since twenty eighteen. Well

0:13:00.520 --> 0:13:02.600
<v Speaker 2>you just take the law into your own hands.

0:13:03.160 --> 0:13:04.800
<v Speaker 3>Why not stand shit?

0:13:05.400 --> 0:13:07.319
<v Speaker 2>All right? You know what's better than scamming a scammer?

0:13:07.720 --> 0:13:09.800
<v Speaker 2>It is our community money wins, and just we need

0:13:09.840 --> 0:13:12.160
<v Speaker 2>to stop talking about scammers unless there are some money

0:13:12.200 --> 0:13:14.240
<v Speaker 2>losses about scammers, in which case we want to hear

0:13:14.280 --> 0:13:16.440
<v Speaker 2>about those, but I don't think there are, because I

0:13:16.440 --> 0:13:17.840
<v Speaker 2>think it's just you being scammed.

0:13:17.559 --> 0:13:20.920
<v Speaker 3>Babe, No, just me, just now you got this week? Okay.

0:13:21.040 --> 0:13:23.880
<v Speaker 3>My first money win this week comes from Rachel, who

0:13:23.880 --> 0:13:26.920
<v Speaker 3>said money win. I just harvested my first bock choy

0:13:26.960 --> 0:13:30.640
<v Speaker 3>heads from my first veggie garden. A bundle awsome right,

0:13:30.800 --> 0:13:32.880
<v Speaker 3>A bundle of three heads and calls is two dollars fifty,

0:13:32.920 --> 0:13:35.000
<v Speaker 3>but my six pack of seedlings was only four dollars

0:13:35.280 --> 0:13:37.920
<v Speaker 3>and each seedling has produced three to four heads. I'm

0:13:37.960 --> 0:13:40.240
<v Speaker 3>harvesting at the base instead of pulling them out, so

0:13:40.320 --> 0:13:43.680
<v Speaker 3>hopefully they'll produce new stamps and I'll get even more

0:13:43.720 --> 0:13:45.880
<v Speaker 3>of them. And I just love the idea of growing

0:13:45.920 --> 0:13:47.319
<v Speaker 3>your own veg because vege is expensive.

0:13:47.320 --> 0:13:49.559
<v Speaker 2>Now unlimited bock choy hack, I love that.

0:13:49.720 --> 0:13:51.800
<v Speaker 3>Get on that. Next, I have a money win from

0:13:51.840 --> 0:13:54.080
<v Speaker 3>it Tanya, who said I found dog food on clearance

0:13:54.120 --> 0:13:55.880
<v Speaker 3>for one dollar a can and bought two hundred and

0:13:55.920 --> 0:13:56.480
<v Speaker 3>forty cans.

0:13:57.160 --> 0:13:58.120
<v Speaker 2>A photo of.

0:14:01.000 --> 0:14:05.120
<v Speaker 3>A big car it's hard to see on my crusphone. Wow,

0:14:05.679 --> 0:14:08.200
<v Speaker 3>I love that. Like that is just such a good win. Next,

0:14:08.240 --> 0:14:10.719
<v Speaker 3>I've got a win from Many who said money win.

0:14:10.920 --> 0:14:13.120
<v Speaker 3>My friend gave me a book that I was considering buying,

0:14:13.160 --> 0:14:15.959
<v Speaker 3>and I got a free coffee today two days before payday.

0:14:16.080 --> 0:14:18.679
<v Speaker 3>Much needed great money win.

0:14:18.960 --> 0:14:22.640
<v Speaker 2>Yeah money Oh my god, stuff was so funny.

0:14:23.200 --> 0:14:25.520
<v Speaker 3>Wish We were responding as very much. If you're looking

0:14:25.560 --> 0:14:29.680
<v Speaker 3>for another book, money win. Victoria's upcoming book, book number three.

0:14:30.040 --> 0:14:32.160
<v Speaker 2>Do you know I finished recording that last week? So

0:14:32.280 --> 0:14:33.680
<v Speaker 2>like the audio book version.

0:14:33.720 --> 0:14:36.800
<v Speaker 3>Oh my gosh, wait, I know right, I'm so impressed

0:14:36.800 --> 0:14:37.000
<v Speaker 3>for you.

0:14:37.160 --> 0:14:40.720
<v Speaker 2>Worst worst process in the entire world, it would be yes.

0:14:40.760 --> 0:14:43.240
<v Speaker 2>Have you ever tried to read, like literally word for

0:14:43.280 --> 0:14:45.920
<v Speaker 2>word of script in a podcast. Imagine that that every

0:14:45.920 --> 0:14:47.600
<v Speaker 2>time you say something wrong, they make you go back

0:14:47.640 --> 0:14:48.720
<v Speaker 2>to the entire start.

0:14:48.960 --> 0:14:53.600
<v Speaker 3>Oh well, you can pre order the paperback or the

0:14:53.640 --> 0:14:56.320
<v Speaker 3>audiobook version on Amazon. There forty two percent off right now.

0:14:56.320 --> 0:14:58.280
<v Speaker 3>So if someone is looking for a book, money win.

0:14:58.200 --> 0:15:00.240
<v Speaker 2>Percent off, that is a good money win. Good dem

0:15:00.760 --> 0:15:02.440
<v Speaker 2>I'm biased, but that's a really good book.

0:15:02.640 --> 0:15:04.320
<v Speaker 3>It is a good book. We have read it and

0:15:04.440 --> 0:15:08.560
<v Speaker 3>can confirm she stood it. I even wrote it. My

0:15:08.600 --> 0:15:10.840
<v Speaker 3>next money wind comes from Eliza, who said money win.

0:15:11.160 --> 0:15:13.720
<v Speaker 3>My local Viny's had a dish shopping night and I

0:15:13.760 --> 0:15:15.720
<v Speaker 3>got two dresses and a vest for one hundred and

0:15:15.760 --> 0:15:18.920
<v Speaker 3>forty five dollars. They had an age one last month,

0:15:18.960 --> 0:15:20.400
<v Speaker 3>which was also a funny wind. But I've got to

0:15:20.400 --> 0:15:22.080
<v Speaker 3>post about it. How good is that?

0:15:22.080 --> 0:15:26.120
<v Speaker 2>That's actually genius? Please not gate keep location time. I'm

0:15:26.200 --> 0:15:29.160
<v Speaker 2>realizing how to get updates, Like, really.

0:15:28.920 --> 0:15:31.600
<v Speaker 3>Sad it's she said it was in lawn sestin Tasmania.

0:15:31.680 --> 0:15:34.960
<v Speaker 3>So there you go next time you're down there, genius.

0:15:35.080 --> 0:15:37.360
<v Speaker 3>Genius Dish is one of my favorite brands, and so

0:15:37.680 --> 0:15:40.200
<v Speaker 3>I'm really mad that that's not Yep, that's okay. Next,

0:15:40.200 --> 0:15:42.240
<v Speaker 3>I've got a money win from Addie who said small

0:15:42.240 --> 0:15:45.320
<v Speaker 3>money win another coffee one. I got a free Matilda

0:15:45.400 --> 0:15:49.200
<v Speaker 3>themed donut with my coffee for wearing my jersey. I

0:15:49.280 --> 0:15:52.120
<v Speaker 3>love that supporting the girls ended up supporting my sweet

0:15:52.120 --> 0:15:53.840
<v Speaker 3>Treat Addiction and the Tillies.

0:15:55.560 --> 0:15:57.520
<v Speaker 2>I wore my Tillier scarf the other day when we're

0:15:57.520 --> 0:15:59.560
<v Speaker 2>on the way to the pub to watch them play,

0:16:00.080 --> 0:16:02.680
<v Speaker 2>and I really liked the attention I got from that,

0:16:02.960 --> 0:16:04.920
<v Speaker 2>the amount of people screaming out their car being like,

0:16:04.960 --> 0:16:06.920
<v Speaker 2>go the Tillies. I was like, is this what it

0:16:06.960 --> 0:16:08.640
<v Speaker 2>feels like to be a footy guy?

0:16:09.040 --> 0:16:11.320
<v Speaker 3>So proud of the goal, I could cry about this

0:16:11.360 --> 0:16:13.600
<v Speaker 3>whole I love it, but it makes me so happy,

0:16:13.800 --> 0:16:15.600
<v Speaker 3>but we continue. Yeah, I will cry.

0:16:15.720 --> 0:16:17.240
<v Speaker 2>I'll so lend you my scarf.

0:16:18.640 --> 0:16:20.480
<v Speaker 3>Next, I've got my namen from Tanya who said, found

0:16:20.480 --> 0:16:23.160
<v Speaker 3>these in the frozen section, no more ava wasted. Did

0:16:23.200 --> 0:16:25.840
<v Speaker 3>you know you can buy frozen avocado? Because I didn't here.

0:16:25.960 --> 0:16:28.560
<v Speaker 2>I am thinking that my frozen mashed potato was revolution

0:16:28.720 --> 0:16:29.240
<v Speaker 2>here and.

0:16:29.160 --> 0:16:31.840
<v Speaker 3>We had that broke tip from back last two weeks

0:16:31.840 --> 0:16:34.600
<v Speaker 3>ago where you said use your frozen veggies. You can

0:16:34.600 --> 0:16:35.760
<v Speaker 3>make avocado a part of that.

0:16:35.800 --> 0:16:38.520
<v Speaker 2>Now, Oh, I am real the brand so confused.

0:16:38.680 --> 0:16:42.200
<v Speaker 3>The photo that she shared is Cole's brand. So I'm

0:16:42.240 --> 0:16:42.480
<v Speaker 3>going to.

0:16:42.520 --> 0:16:44.600
<v Speaker 2>Take one for the team. I'm going to purchase that.

0:16:46.000 --> 0:16:50.400
<v Speaker 2>Very low expectations of how that's going to perform once thowed,

0:16:51.280 --> 0:16:53.680
<v Speaker 2>because I don't know. Maybe it's good for like smoothies

0:16:54.360 --> 0:16:57.440
<v Speaker 2>like blend her up. Oh god, I feel like anything

0:16:57.440 --> 0:16:59.800
<v Speaker 2>that you're gonna like you would blash Masha Bond.

0:17:00.080 --> 0:17:02.000
<v Speaker 3>Yeah, I just know that was great.

0:17:02.240 --> 0:17:03.960
<v Speaker 2>I'm suspicious because avocado.

0:17:04.000 --> 0:17:07.119
<v Speaker 3>You have like one day of good usable avocado and

0:17:07.160 --> 0:17:07.919
<v Speaker 3>then she's gone.

0:17:08.320 --> 0:17:10.520
<v Speaker 2>Josh and I have a lot of food things to

0:17:10.560 --> 0:17:12.000
<v Speaker 2>do in the upcoming future.

0:17:12.000 --> 0:17:13.320
<v Speaker 3>We have to have a cooking show.

0:17:13.400 --> 0:17:15.359
<v Speaker 2>Yeah, we have to. Well, last time we tried to

0:17:15.400 --> 0:17:18.040
<v Speaker 2>start a cooking show, Jessica, I literally set my kitchen

0:17:18.040 --> 0:17:21.680
<v Speaker 2>on fryer on IG Live, so that was like less

0:17:21.720 --> 0:17:22.800
<v Speaker 2>than ideal.

0:17:22.640 --> 0:17:24.920
<v Speaker 3>Iconic moment, that is unreal.

0:17:25.080 --> 0:17:26.880
<v Speaker 2>But I mean, if you want to unhinged cooking show,

0:17:26.960 --> 0:17:28.760
<v Speaker 2>Jess and I are all about it. But we have

0:17:28.800 --> 0:17:31.440
<v Speaker 2>to have our potato night. So we're so excited you're

0:17:31.480 --> 0:17:33.320
<v Speaker 2>coming to beck. We're going to find a night where

0:17:33.480 --> 0:17:35.720
<v Speaker 2>we come to my house because I have dining chairs

0:17:35.720 --> 0:17:38.200
<v Speaker 2>now and we're going to have a dinner party. But entree,

0:17:38.320 --> 0:17:42.480
<v Speaker 2>main course, dessert, snacks, drinks all have to be potato based.

0:17:42.560 --> 0:17:42.840
<v Speaker 4>Sure.

0:17:42.960 --> 0:17:45.720
<v Speaker 2>And then Jess and I have found the recipe to

0:17:45.800 --> 0:17:50.880
<v Speaker 2>the chin chin padsw noodles. We're gonna make that lovely.

0:17:51.119 --> 0:17:53.120
<v Speaker 2>We just have a lot of things, lots a lot

0:17:53.119 --> 0:17:54.360
<v Speaker 2>of things coming up mealhouse.

0:17:54.520 --> 0:17:57.639
<v Speaker 3>Well, we can add avocado frozen testing to the list.

0:17:57.720 --> 0:17:58.520
<v Speaker 2>That's what we're going to do.

0:17:58.600 --> 0:18:00.880
<v Speaker 3>Last money we in a solid one, Sualine. She said,

0:18:00.880 --> 0:18:03.280
<v Speaker 3>money Win found a cute win address from Kmart in

0:18:03.280 --> 0:18:05.479
<v Speaker 3>the twenty dollars clearance rack in my size and then

0:18:05.520 --> 0:18:06.280
<v Speaker 3>it scanned.

0:18:05.960 --> 0:18:09.680
<v Speaker 2>It twelve bucks. Oh my gosh money. W yeah, that's

0:18:09.760 --> 0:18:11.920
<v Speaker 2>that's like a three eight dollars if you use that

0:18:12.200 --> 0:18:13.560
<v Speaker 2>dodgy girl math trend.

0:18:14.359 --> 0:18:16.560
<v Speaker 3>None of that here, None of that in this here.

0:18:16.760 --> 0:18:20.040
<v Speaker 2>Thank you very much. All right, speaking of saving money,

0:18:20.560 --> 0:18:23.720
<v Speaker 2>ms Beck say ed, okay, it's your turn.

0:18:23.800 --> 0:18:24.560
<v Speaker 3>Are you guys ready?

0:18:24.720 --> 0:18:26.359
<v Speaker 2>We are so ready for your broke tips.

0:18:26.480 --> 0:18:29.280
<v Speaker 4>First one, I remember months ago I was talking about

0:18:29.280 --> 0:18:31.320
<v Speaker 4>how a review made me cry, and then I reread

0:18:31.320 --> 0:18:33.800
<v Speaker 4>the reviews just recently because I was too scared to

0:18:33.840 --> 0:18:35.359
<v Speaker 4>do that do so beforehand?

0:18:35.480 --> 0:18:37.000
<v Speaker 2>What are you read reviews?

0:18:37.040 --> 0:18:39.199
<v Speaker 4>I know I shouldn't have. But then this person apologized,

0:18:39.200 --> 0:18:40.280
<v Speaker 4>and I am no, they did.

0:18:40.359 --> 0:18:41.679
<v Speaker 3>They did, rews.

0:18:42.080 --> 0:18:43.119
<v Speaker 2>I just thought that was really sweet.

0:18:43.160 --> 0:18:43.880
<v Speaker 3>Thank you so much.

0:18:44.000 --> 0:18:47.200
<v Speaker 4>A lot of people don't do that, and so sobody.

0:18:46.640 --> 0:18:48.399
<v Speaker 2>Hold on, hold on, hold on, I'm so confused. So

0:18:48.480 --> 0:18:51.160
<v Speaker 2>you're saying that somebody left a negative review. Yes, we

0:18:51.240 --> 0:18:53.880
<v Speaker 2>talked smack about it on the podcast. Yes, after leaving

0:18:53.920 --> 0:18:56.800
<v Speaker 2>a negative review on our podcast. Yes, they continued to

0:18:56.880 --> 0:19:00.000
<v Speaker 2>listen to our podcast. Correct, and then they apologize.

0:19:00.200 --> 0:19:00.400
<v Speaker 5>Yes?

0:19:00.440 --> 0:19:02.560
<v Speaker 3>Correct. Do you know what personal growth?

0:19:02.680 --> 0:19:06.520
<v Speaker 4>I love that, we love personal growth. I was really

0:19:06.560 --> 0:19:08.080
<v Speaker 4>shy at the start of this year.

0:19:08.160 --> 0:19:11.520
<v Speaker 2>So maybe I do not know what you're talking on.

0:19:11.920 --> 0:19:14.680
<v Speaker 2>Like though, I was like, I don't know what I'm saying. Anyways,

0:19:14.680 --> 0:19:16.200
<v Speaker 2>that's my first shoutow and now you've got a whole

0:19:16.240 --> 0:19:18.440
<v Speaker 2>loaned segment. You're like, sit down, guys, you're doing three

0:19:18.480 --> 0:19:19.240
<v Speaker 2>shout outs.

0:19:19.720 --> 0:19:19.920
<v Speaker 3>Yeah.

0:19:22.760 --> 0:19:24.720
<v Speaker 4>Shout out to one of our listeners who works with

0:19:24.800 --> 0:19:27.560
<v Speaker 4>Find Victoria, who encouraged me to give Find Victoria a

0:19:27.680 --> 0:19:30.440
<v Speaker 4>call just to see what they can do about the jigar.

0:19:31.280 --> 0:19:33.560
<v Speaker 4>Have I send them an email? I haven't called them

0:19:33.800 --> 0:19:35.320
<v Speaker 4>get too shy, but I might do that.

0:19:35.359 --> 0:19:38.239
<v Speaker 2>It's the coole point for you. Thank you. That's so

0:19:38.560 --> 0:19:41.240
<v Speaker 2>kind of you. Jazz I would do the same thing.

0:19:41.400 --> 0:19:44.440
<v Speaker 2>I love to start a little negotiation on the phone.

0:19:44.840 --> 0:19:47.320
<v Speaker 2>I also fight with scammers, so I'm not sure if

0:19:47.359 --> 0:19:50.920
<v Speaker 2>I'm the best for this, but you know what, it's

0:19:50.960 --> 0:19:54.040
<v Speaker 2>that justice mentality that you know.

0:19:54.200 --> 0:19:56.879
<v Speaker 4>That's the kind of determination I need. Okay, Well, I

0:19:56.920 --> 0:19:59.120
<v Speaker 4>do have some broad tips here. There's one from Rachel

0:19:59.240 --> 0:20:01.560
<v Speaker 4>who has said that there's a place in Brisbane called

0:20:01.600 --> 0:20:05.960
<v Speaker 4>Lighthouse that offers a full grocery trolley for twenty five dollars.

0:20:06.160 --> 0:20:07.960
<v Speaker 3>Sorry, what I know isn't that?

0:20:08.200 --> 0:20:11.480
<v Speaker 4>Why does it work that can be picked up or delivered,

0:20:11.520 --> 0:20:14.040
<v Speaker 4>and they often have free fruit and veggies as well.

0:20:14.040 --> 0:20:16.720
<v Speaker 4>My husband and I have used it when in a

0:20:16.720 --> 0:20:19.719
<v Speaker 4>tight spot and when we can often repay by dropping

0:20:19.800 --> 0:20:22.000
<v Speaker 4>food off. I'm assuming it's kind of like you drop

0:20:22.040 --> 0:20:23.800
<v Speaker 4>food off and it's it's a give and take sort

0:20:23.840 --> 0:20:26.520
<v Speaker 4>of situation, sort of like a million and lentils as anything,

0:20:26.560 --> 0:20:28.760
<v Speaker 4>so that that is useful if you are in Brisbane.

0:20:28.880 --> 0:20:31.280
<v Speaker 2>The second broke tip I have comes from.

0:20:31.440 --> 0:20:34.639
<v Speaker 4>Lily, who has basically just suggested that we go to

0:20:34.680 --> 0:20:37.840
<v Speaker 4>the reject shop for any kind of perishables or anything

0:20:38.600 --> 0:20:41.840
<v Speaker 4>when you go to Woollies, just in case of something cheaper,

0:20:41.880 --> 0:20:43.840
<v Speaker 4>because you can get really cheap things from reject shop.

0:20:44.200 --> 0:20:46.520
<v Speaker 4>I got like ten dollar curtains that are that will

0:20:46.560 --> 0:20:51.480
<v Speaker 4>pretty good quality Discounter bodycare bodycare style, like they have

0:20:51.560 --> 0:20:54.919
<v Speaker 4>body or shampoo conditioner, all of your like truthpastes.

0:20:55.400 --> 0:20:57.679
<v Speaker 2>That's so true, and I feel like we overlook it.

0:20:58.080 --> 0:20:59.919
<v Speaker 2>Went in there a little while ago to get like,

0:21:00.040 --> 0:21:02.199
<v Speaker 2>you know those plastic phone stands to your car that

0:21:02.240 --> 0:21:04.639
<v Speaker 2>go on the grain. Yes, surely reject shops going to

0:21:04.720 --> 0:21:06.399
<v Speaker 2>have it. And I walked out with so much other

0:21:06.440 --> 0:21:08.040
<v Speaker 2>stuff because I was like, oh my gosh, all of

0:21:08.040 --> 0:21:12.040
<v Speaker 2>their laundry products so affordable. I do need more Omo

0:21:12.200 --> 0:21:14.400
<v Speaker 2>and they're like all the name brands, but like they're cheap.

0:21:14.480 --> 0:21:16.640
<v Speaker 4>Yeah, and I don't I don't know why they're cheap.

0:21:16.640 --> 0:21:18.840
<v Speaker 4>But I'm not gonna ask any question. We are not

0:21:18.880 --> 0:21:20.919
<v Speaker 4>asking questions. We are simply getting a bargain.

0:21:20.960 --> 0:21:23.280
<v Speaker 2>We are just doing our best in this cost of living.

0:21:23.320 --> 0:21:27.280
<v Speaker 4>Crist exactly right, VICKI d And then that brings me

0:21:27.359 --> 0:21:30.800
<v Speaker 4>to my own personal brick tip of the week, which

0:21:30.800 --> 0:21:32.520
<v Speaker 4>is very similar to the first one I read out.

0:21:32.560 --> 0:21:36.080
<v Speaker 4>But my mother was talking about how sometimes in Harris

0:21:36.080 --> 0:21:38.159
<v Speaker 4>Farm or even in Woolies, I think they do this

0:21:38.240 --> 0:21:40.480
<v Speaker 4>as well. They'll have fruit and veggies at the front

0:21:40.520 --> 0:21:42.720
<v Speaker 4>of the store or in Harris's Farm, I think it's

0:21:42.720 --> 0:21:44.439
<v Speaker 4>at the back of the store where it's kind of

0:21:44.480 --> 0:21:46.399
<v Speaker 4>like it's maybe going to go off or it's a

0:21:46.440 --> 0:21:49.159
<v Speaker 4>little bit uglier than the regular fruit and veggies, and

0:21:49.640 --> 0:21:52.200
<v Speaker 4>you can get like a bag full for twenty five cents.

0:21:52.040 --> 0:21:52.720
<v Speaker 3>You know what I mean.

0:21:53.359 --> 0:21:56.359
<v Speaker 2>I remember that it existed. We don't have Harris Farms

0:21:56.359 --> 0:21:58.720
<v Speaker 2>in Victoria. Don't have Harrow's Farms Victoria.

0:21:58.720 --> 0:21:59.040
<v Speaker 3>That's true.

0:21:59.040 --> 0:22:00.000
<v Speaker 2>This is a new South Wales thing.

0:22:00.040 --> 0:22:01.600
<v Speaker 3>Maybe in other parts of Australia. I'm not sure.

0:22:01.640 --> 0:22:03.159
<v Speaker 2>I think it's just New South Wales, like it's a

0:22:03.200 --> 0:22:03.720
<v Speaker 2>silly thing.

0:22:04.160 --> 0:22:06.199
<v Speaker 4>But I know there are some certain wool words and

0:22:06.240 --> 0:22:08.600
<v Speaker 4>coals that do have this. They'll have like a trolley

0:22:08.640 --> 0:22:11.320
<v Speaker 4>full of produce and you can just get a bag

0:22:11.359 --> 0:22:15.200
<v Speaker 4>because maybe ugly or too small cares, which I love

0:22:15.280 --> 0:22:15.720
<v Speaker 4>ugly fruit.

0:22:15.720 --> 0:22:19.159
<v Speaker 2>It's like coals have the odd bunch. Yeah, yes' just

0:22:19.240 --> 0:22:21.320
<v Speaker 2>quite smart and I like that because I always buy

0:22:21.320 --> 0:22:22.760
<v Speaker 2>the old bunch because I'm like, I don't care if

0:22:22.760 --> 0:22:23.800
<v Speaker 2>we've got twisty carrots.

0:22:23.840 --> 0:22:26.520
<v Speaker 3>I hate the idea of produce being rejected, like farmers

0:22:26.520 --> 0:22:28.600
<v Speaker 3>putting all this effort into growing it and making it whatever,

0:22:28.840 --> 0:22:30.880
<v Speaker 3>and it's like not round enough or not shiny enough

0:22:30.920 --> 0:22:31.879
<v Speaker 3>for yeah, what the hell?

0:22:32.080 --> 0:22:34.720
<v Speaker 2>No, absolutely no, that's good one. All right, let's go

0:22:34.720 --> 0:22:36.480
<v Speaker 2>to a really quick break on the flip side. We're

0:22:36.480 --> 0:22:38.040
<v Speaker 2>going to be talking about what to do with your

0:22:38.080 --> 0:22:40.159
<v Speaker 2>tax return, and we've got a little bit of a

0:22:40.200 --> 0:22:43.000
<v Speaker 2>dilemma that you slid into our dms about we're gonna

0:22:43.000 --> 0:22:44.920
<v Speaker 2>be chatting about having a family and then moving back

0:22:44.960 --> 0:22:48.000
<v Speaker 2>with your parents to save. So guys don't go anywhere.

0:22:53.080 --> 0:22:57.920
<v Speaker 3>Welcome back everybody. Let's take a listen to the money dilemma.

0:22:58.119 --> 0:23:00.479
<v Speaker 2>Hi, there, have you got a money dilemma you just

0:23:00.520 --> 0:23:03.040
<v Speaker 2>can't solve the She's on The Money Team is here

0:23:03.080 --> 0:23:06.320
<v Speaker 2>to help. Every week, we tackle your dilemmas, both big

0:23:06.359 --> 0:23:09.080
<v Speaker 2>and small, to answer your most burning money, career and

0:23:09.160 --> 0:23:12.320
<v Speaker 2>life questions. To get involved, simply head to our website

0:23:12.359 --> 0:23:14.480
<v Speaker 2>and leave us a short voice recording and you might

0:23:14.560 --> 0:23:17.080
<v Speaker 2>just find yourself on the show. Now, let's take a

0:23:17.119 --> 0:23:21.880
<v Speaker 2>listen to this week's money dilemma.

0:23:22.080 --> 0:23:24.640
<v Speaker 5>Hi, Team, I just had a quick money question. So

0:23:24.800 --> 0:23:27.919
<v Speaker 5>I've got some money back from my tax return and

0:23:27.960 --> 0:23:30.600
<v Speaker 5>I was looking at looking in with Phil to sort

0:23:30.640 --> 0:23:33.560
<v Speaker 5>out my insurances. I've also been listening to the Property Playbook,

0:23:33.560 --> 0:23:35.440
<v Speaker 5>and I feel like I might be in a better

0:23:35.600 --> 0:23:39.520
<v Speaker 5>position towards buying my first house than I thought. Would

0:23:39.560 --> 0:23:42.040
<v Speaker 5>it be better to contact feel and sort out my

0:23:42.800 --> 0:23:45.960
<v Speaker 5>superhind my insurances first as I have two super accounts,

0:23:46.480 --> 0:23:49.520
<v Speaker 5>or is there a better option or someone I could

0:23:49.520 --> 0:23:52.240
<v Speaker 5>speak to that would be able to kind of handle

0:23:52.280 --> 0:23:52.960
<v Speaker 5>everything for me?

0:23:53.320 --> 0:23:53.639
<v Speaker 3>Thanks.

0:23:54.600 --> 0:23:57.720
<v Speaker 2>This is a really interesting one because at the start

0:23:57.760 --> 0:23:59.879
<v Speaker 2>I was like, Oh, I have so much advice on

0:24:00.160 --> 0:24:02.680
<v Speaker 2>what you should do with your tax return. But then

0:24:02.720 --> 0:24:04.719
<v Speaker 2>it went down the property path, and then it went

0:24:04.760 --> 0:24:07.920
<v Speaker 2>down the superpath. So you said you have two super accounts,

0:24:07.920 --> 0:24:09.640
<v Speaker 2>and I think the first thing I would be doing

0:24:09.760 --> 0:24:12.399
<v Speaker 2>is understanding what both of those accounts are and if

0:24:12.400 --> 0:24:15.280
<v Speaker 2>they have insurances as default on them. If they do,

0:24:15.400 --> 0:24:18.000
<v Speaker 2>you need to work out if those insurances are any

0:24:18.080 --> 0:24:21.040
<v Speaker 2>good and worth keeping or if you rolled your super

0:24:21.080 --> 0:24:23.520
<v Speaker 2>together it wouldn't matter. So you need to understand that.

0:24:24.080 --> 0:24:27.040
<v Speaker 2>But it's also twenty twenty three and the government has

0:24:27.080 --> 0:24:30.840
<v Speaker 2>a very cool MyD super comparison tool that means you

0:24:30.840 --> 0:24:33.520
<v Speaker 2>could probably go and it depends if you've got a

0:24:33.560 --> 0:24:37.000
<v Speaker 2>balance under one hundred thousand dollars. The probability of you

0:24:37.040 --> 0:24:38.679
<v Speaker 2>being able to just do it yourself and pick a

0:24:38.680 --> 0:24:41.119
<v Speaker 2>really good super fund that makes sense and aligns to

0:24:41.240 --> 0:24:43.040
<v Speaker 2>the fees you want to pay, the values you hold,

0:24:43.040 --> 0:24:46.439
<v Speaker 2>and the investment options that you want access to. I

0:24:46.520 --> 0:24:48.040
<v Speaker 2>just feel like a lot of us don't need to

0:24:48.040 --> 0:24:52.080
<v Speaker 2>pay a financial advisor for that. I really don't, and

0:24:52.400 --> 0:24:55.800
<v Speaker 2>I say that because I just go, you know what,

0:24:56.160 --> 0:24:59.160
<v Speaker 2>that super comparison tool run by the government is really good.

0:24:59.320 --> 0:25:03.040
<v Speaker 2>It's really clear, it's really clear. It compares apples with apples.

0:25:03.119 --> 0:25:06.160
<v Speaker 2>It's not here going oh okay, well, you know we're

0:25:06.200 --> 0:25:08.399
<v Speaker 2>being paid by this super fund, so we're going to

0:25:08.400 --> 0:25:10.159
<v Speaker 2>put it at the top of the list like it

0:25:10.240 --> 0:25:13.840
<v Speaker 2>doesn't do that. It's nothing like those comparison sites. So

0:25:14.000 --> 0:25:16.159
<v Speaker 2>I would be trying to do my super trying to

0:25:16.160 --> 0:25:20.280
<v Speaker 2>work that out myself, sam o hand. Yeah, insurance is

0:25:20.320 --> 0:25:23.000
<v Speaker 2>on the other hand, are not DIY. There's something that

0:25:23.040 --> 0:25:25.760
<v Speaker 2>you do definitely want to speak to an advisor about

0:25:26.320 --> 0:25:28.840
<v Speaker 2>and to save some cash because you know, you said

0:25:28.880 --> 0:25:30.919
<v Speaker 2>you were trying to buy property. I would go with

0:25:31.000 --> 0:25:34.200
<v Speaker 2>a financial advisor that does insurance only advice. It means

0:25:34.200 --> 0:25:38.200
<v Speaker 2>that the cost is going to be significantly stripped back. Also,

0:25:38.359 --> 0:25:41.359
<v Speaker 2>they're a financial advisor, so you could ask, hey, what

0:25:41.400 --> 0:25:43.679
<v Speaker 2>are your thoughts on super I don't want advice on it,

0:25:43.720 --> 0:25:46.760
<v Speaker 2>but I'd like to talk through what this insurance option

0:25:46.920 --> 0:25:49.600
<v Speaker 2>inside supermans or what this means. They're going to have

0:25:49.600 --> 0:25:51.960
<v Speaker 2>the knowledge to have that conversation, and I promise you

0:25:52.000 --> 0:25:54.840
<v Speaker 2>they'll have a good conversation with you about it so

0:25:54.920 --> 0:25:58.480
<v Speaker 2>that you're more educated in that She's on the money community.

0:25:58.520 --> 0:26:01.399
<v Speaker 2>We always recommend Sky Wealth and we will put a

0:26:01.480 --> 0:26:05.320
<v Speaker 2>link to Phil's company in the show notes because one

0:26:05.359 --> 0:26:08.840
<v Speaker 2>he's done all of my team's insurances. He's very cost

0:26:08.840 --> 0:26:11.600
<v Speaker 2>efficient when it comes to the statement of advice because

0:26:11.640 --> 0:26:14.640
<v Speaker 2>you need a good statement of advice. It's under five

0:26:14.720 --> 0:26:18.480
<v Speaker 2>hundred bucks. Like, that's a money win in any financial

0:26:18.480 --> 0:26:21.200
<v Speaker 2>advice circumstance. If you go to another advisor who has

0:26:21.320 --> 0:26:25.560
<v Speaker 2>not been structured to just give insurance advice like Phil's

0:26:25.560 --> 0:26:28.480
<v Speaker 2>structured his business, it will be a minimum of fifteen

0:26:28.560 --> 0:26:31.960
<v Speaker 2>hundred to three thousand dollars for insurance only advice because

0:26:31.960 --> 0:26:34.560
<v Speaker 2>that's just what it costs that business to do, whereas

0:26:34.600 --> 0:26:38.119
<v Speaker 2>Phil only does insurance. And I kind of like that

0:26:38.160 --> 0:26:40.200
<v Speaker 2>because you go, you know what, I'm not going to

0:26:40.240 --> 0:26:42.760
<v Speaker 2>talk to you about my investments, but I know that

0:26:42.880 --> 0:26:45.879
<v Speaker 2>you know everything about insurance because it's all they do.

0:26:45.960 --> 0:26:48.280
<v Speaker 2>It's their bread and butter. It's not just like for

0:26:48.359 --> 0:26:51.400
<v Speaker 2>a lot of financial advisors like I historically, and I'm

0:26:51.400 --> 0:26:53.520
<v Speaker 2>not trying to throw myself under a bus, but I

0:26:53.840 --> 0:26:57.560
<v Speaker 2>historically worked in the investment space and for me, insurance

0:26:57.640 --> 0:26:59.960
<v Speaker 2>was important because it was a hygiene factor for my client.

0:27:00.560 --> 0:27:02.440
<v Speaker 2>But I'd sit just down and be like, okay, cool,

0:27:02.520 --> 0:27:04.679
<v Speaker 2>so we're really prioritizing this, I'm going to go do

0:27:04.760 --> 0:27:07.240
<v Speaker 2>your insurances on the side, set all of that up,

0:27:07.359 --> 0:27:10.760
<v Speaker 2>but then really focus on investment. Whereas Phil his team

0:27:10.760 --> 0:27:12.760
<v Speaker 2>are going to be one hundred percent dedicated to making

0:27:12.800 --> 0:27:16.160
<v Speaker 2>sure that you're getting the right insurance for you. They're

0:27:16.160 --> 0:27:19.240
<v Speaker 2>going to do the ongoing management really cheaply, and it's

0:27:19.320 --> 0:27:21.840
<v Speaker 2>just to me, makes financial sense.

0:27:22.560 --> 0:27:24.560
<v Speaker 3>The next thing, it's a laundry list.

0:27:25.800 --> 0:27:28.160
<v Speaker 2>The next thing, my friend, well, she made it very

0:27:28.160 --> 0:27:30.479
<v Speaker 2>clear I need to do X. I'm like, I have

0:27:30.520 --> 0:27:33.760
<v Speaker 2>all these resources. Sit down, baby. The next thing you're

0:27:33.760 --> 0:27:35.879
<v Speaker 2>going to do is called the Zella Money team. Not

0:27:35.960 --> 0:27:37.720
<v Speaker 2>call them. We don't have a phone that you can

0:27:37.760 --> 0:27:40.040
<v Speaker 2>call unless Kate gives you her mobile number. And she

0:27:40.080 --> 0:27:41.920
<v Speaker 2>never answers me, so I don't know why I should

0:27:41.920 --> 0:27:44.240
<v Speaker 2>answer you, or maybe she would answer you, and that's

0:27:44.280 --> 0:27:46.520
<v Speaker 2>a sign. But I would talk to the Zella Money

0:27:46.520 --> 0:27:48.520
<v Speaker 2>team because if you think you're in a better position

0:27:48.600 --> 0:27:51.560
<v Speaker 2>to buy, that's actually one of the first conversations I'd

0:27:51.600 --> 0:27:55.760
<v Speaker 2>have before establishing insurances. I would actually go and speak

0:27:55.760 --> 0:27:57.560
<v Speaker 2>to the broker. And do you know why I would

0:27:57.560 --> 0:28:00.000
<v Speaker 2>do that, because if you are in a better position

0:28:00.640 --> 0:28:03.680
<v Speaker 2>to go and get your property of your dreams, right.

0:28:03.760 --> 0:28:05.720
<v Speaker 2>Let's say that you are in the best position to

0:28:05.760 --> 0:28:09.880
<v Speaker 2>buy actually right now, if you already established your insurances.

0:28:10.400 --> 0:28:12.520
<v Speaker 2>Once you settle on this property, you have to review

0:28:12.520 --> 0:28:16.119
<v Speaker 2>your insurances to consider the new debt that you've taken on, right,

0:28:16.440 --> 0:28:18.520
<v Speaker 2>So I would be talking to the broker first and

0:28:18.560 --> 0:28:20.960
<v Speaker 2>going hey, like, what's the probability? Like what do my

0:28:21.000 --> 0:28:23.320
<v Speaker 2>timeframes look like? Am I comfortable with this? Is this

0:28:23.400 --> 0:28:26.760
<v Speaker 2>actually something I want to do? Chat to the Zeala

0:28:26.800 --> 0:28:29.800
<v Speaker 2>Money team or a mortgage broker. To be honest, I

0:28:29.800 --> 0:28:32.439
<v Speaker 2>don't mind who you talk to. I obviously know and

0:28:32.520 --> 0:28:35.240
<v Speaker 2>trust to the Zeala Money Team, but any good broker

0:28:35.359 --> 0:28:37.479
<v Speaker 2>is going to be able to have this conversation with you,

0:28:38.000 --> 0:28:40.880
<v Speaker 2>sit down with them, work out your time frames. If

0:28:40.960 --> 0:28:44.000
<v Speaker 2>buying is another twelve months off, go see philp get

0:28:44.000 --> 0:28:47.360
<v Speaker 2>your insurances implemented, and then at your twelve month review

0:28:47.520 --> 0:28:49.800
<v Speaker 2>you can update those to be reflective of your new

0:28:49.840 --> 0:28:52.880
<v Speaker 2>hopeful purchase. But if you're buying in the next two

0:28:52.920 --> 0:28:56.520
<v Speaker 2>to three months, honestly I would buy and then implement insurances.

0:28:56.880 --> 0:28:59.320
<v Speaker 2>Does that make sense and why you might do it

0:28:59.320 --> 0:29:02.120
<v Speaker 2>that way? Say the double handling, save the double handling,

0:29:02.440 --> 0:29:04.440
<v Speaker 2>save having to go back and be like, hey, I

0:29:04.520 --> 0:29:06.960
<v Speaker 2>actually now have six hundred thousand dollars of debt that

0:29:07.000 --> 0:29:08.719
<v Speaker 2>I didn't have before. You're going to have to do

0:29:08.760 --> 0:29:10.080
<v Speaker 2>a whole new statement of advice.

0:29:10.120 --> 0:29:12.600
<v Speaker 3>I don't pay for advice twas, don't pay for advice

0:29:12.680 --> 0:29:14.920
<v Speaker 3>twice if you can want it exactly.

0:29:15.000 --> 0:29:17.720
<v Speaker 2>So that's what I would be doing if I were you.

0:29:18.320 --> 0:29:20.640
<v Speaker 2>But when it comes to what you should do with

0:29:20.720 --> 0:29:23.680
<v Speaker 2>your tax return, well, my friend is up to you.

0:29:24.000 --> 0:29:26.600
<v Speaker 2>But I just think that I wrote an article the

0:29:26.640 --> 0:29:30.000
<v Speaker 2>other week on girl math and how much I don't

0:29:30.000 --> 0:29:33.719
<v Speaker 2>particularly love this concept of girl math, because I think

0:29:33.960 --> 0:29:37.320
<v Speaker 2>it really downplays how intelligent women are when it comes

0:29:37.360 --> 0:29:40.520
<v Speaker 2>to finances and money and goes, oh my gosh, we're

0:29:40.520 --> 0:29:44.280
<v Speaker 2>just trying to justify frivolous purchases, Whereas I would really

0:29:44.360 --> 0:29:46.320
<v Speaker 2>hope that Jess, if you went out and bought a

0:29:46.320 --> 0:29:49.120
<v Speaker 2>new dress, you could just be like, yeah, I like

0:29:49.160 --> 0:29:52.080
<v Speaker 2>the dress. I know I can afford it, and it's

0:29:52.080 --> 0:29:54.040
<v Speaker 2>in line with my values, and I'd be like, that's hot.

0:29:55.040 --> 0:29:57.320
<v Speaker 2>You justifying how many times you're going to wear it

0:29:57.400 --> 0:29:59.440
<v Speaker 2>and what cost per wear looks like and all of

0:29:59.480 --> 0:30:02.080
<v Speaker 2>these other things. I go, that's great, and I totally

0:30:02.080 --> 0:30:05.040
<v Speaker 2>think we should understand, like, Jesse, you buying a five

0:30:05.120 --> 0:30:07.480
<v Speaker 2>hundred dollar dress, Like we really do need to talk

0:30:07.480 --> 0:30:09.200
<v Speaker 2>about this, you gon know, wear it often? Or is

0:30:09.240 --> 0:30:11.880
<v Speaker 2>this like a once off kind of thing, Like let's

0:30:12.040 --> 0:30:14.120
<v Speaker 2>justify the purchase in that way, but like, let's not

0:30:14.160 --> 0:30:17.200
<v Speaker 2>distill it down to you justifying a purchase you didn't

0:30:17.240 --> 0:30:20.800
<v Speaker 2>need to make, because it's frivolous. Like you're smart. I

0:30:20.880 --> 0:30:23.520
<v Speaker 2>know you've got a budget for your clothing. I know

0:30:23.680 --> 0:30:26.000
<v Speaker 2>that's a value to you because you're literally the most

0:30:26.080 --> 0:30:29.720
<v Speaker 2>fashionable person I've ever met. And it's really frustrating because

0:30:29.720 --> 0:30:32.800
<v Speaker 2>I always look like a foot But it's one of

0:30:32.840 --> 0:30:35.080
<v Speaker 2>those things where you go, well, actually, Jesse is really

0:30:35.080 --> 0:30:37.280
<v Speaker 2>financially savvy, and if she's got a new dress, like,

0:30:37.360 --> 0:30:39.320
<v Speaker 2>no one should be questioning her because I know she's

0:30:39.360 --> 0:30:42.360
<v Speaker 2>made good financial decisions. And that's how everybody should be

0:30:42.400 --> 0:30:44.959
<v Speaker 2>respected when it comes to financial decisions, not looking at

0:30:44.960 --> 0:30:48.600
<v Speaker 2>them being like Victoria gets eyelash extensions. That's a little

0:30:48.640 --> 0:30:50.840
<v Speaker 2>bit silly, do you know what I mean? I just

0:30:50.840 --> 0:30:53.080
<v Speaker 2>think we're smarter than this, and in a world where

0:30:53.520 --> 0:30:58.040
<v Speaker 2>we are still constantly battling to be respected as women

0:30:58.200 --> 0:31:01.680
<v Speaker 2>in the finance space, to be respected as good investors

0:31:01.760 --> 0:31:04.680
<v Speaker 2>or smart savers. I don't think now is actually the

0:31:04.680 --> 0:31:07.400
<v Speaker 2>time that we can joke about women being frivolous with money,

0:31:07.440 --> 0:31:09.960
<v Speaker 2>like we're not there yet. Isn't actually a joke. It's

0:31:09.960 --> 0:31:14.720
<v Speaker 2>an underlying factor that is left over from the patriarchy

0:31:14.800 --> 0:31:18.600
<v Speaker 2>being better at things. And that's why men find it funny. Right,

0:31:18.800 --> 0:31:21.920
<v Speaker 2>It's not because we are actually good at money and

0:31:21.920 --> 0:31:24.200
<v Speaker 2>we're like, ah, oh my god, Yess, you're so bad

0:31:24.240 --> 0:31:26.760
<v Speaker 2>with money. If I laugh with Jess about being bad

0:31:26.800 --> 0:31:28.640
<v Speaker 2>with money, it's because I know she's bloody good at it.

0:31:29.680 --> 0:31:33.280
<v Speaker 2>Whereas that permission by having that conversation on a grander

0:31:33.360 --> 0:31:37.200
<v Speaker 2>scale might make people think, oh, well, Jess just calculates

0:31:37.200 --> 0:31:39.040
<v Speaker 2>that by it cost per wear, And I totally looked

0:31:39.080 --> 0:31:40.880
<v Speaker 2>at this five hundred dollars dress and I'm actually gonna

0:31:40.880 --> 0:31:42.360
<v Speaker 2>wear it like five hundred times, So that makes the

0:31:42.440 --> 0:31:44.120
<v Speaker 2>dress like a dollar so that doesn't matter, and I

0:31:44.280 --> 0:31:46.720
<v Speaker 2>totally can justify it that way, and then they pop

0:31:46.760 --> 0:31:50.360
<v Speaker 2>it on their credit card. Like, I think, this narrative

0:31:50.680 --> 0:31:53.800
<v Speaker 2>of not being smart financially it is going to give

0:31:53.840 --> 0:31:57.160
<v Speaker 2>too many people permission to not be smart financially.

0:31:57.560 --> 0:31:59.760
<v Speaker 3>Right, So with the tax retam. What you're saying is

0:32:00.280 --> 0:32:01.400
<v Speaker 3>make smart money, does it?

0:32:01.480 --> 0:32:04.440
<v Speaker 2>Yeah? Don't be like, oh my gosh, I deserve new dresses,

0:32:04.640 --> 0:32:06.760
<v Speaker 2>I deserve to do this, or oh my gosh, I

0:32:06.800 --> 0:32:10.120
<v Speaker 2>deserve a weekend away. Let's actually look at your financial position.

0:32:10.360 --> 0:32:15.680
<v Speaker 2>Do you have an emergency fund? Yes, fantastic? Is it

0:32:15.720 --> 0:32:19.840
<v Speaker 2>completely topped up? Have you reviewed your expenses recently? Because

0:32:19.920 --> 0:32:22.160
<v Speaker 2>we always say aim between three and six months or

0:32:22.160 --> 0:32:25.400
<v Speaker 2>like whatever you're most comfortable with. Those are just guidelines,

0:32:25.480 --> 0:32:28.440
<v Speaker 2>nothing set in stone, but people like guidelines, so we

0:32:28.440 --> 0:32:32.560
<v Speaker 2>always give them. Have your expenses changed significantly recently with

0:32:32.640 --> 0:32:35.040
<v Speaker 2>the increasing cost of living, but also like your mortgage

0:32:35.080 --> 0:32:36.680
<v Speaker 2>repayments or something, do we need to look at that?

0:32:36.880 --> 0:32:40.840
<v Speaker 2>Is that still reflective of your actual cost over three months?

0:32:41.480 --> 0:32:45.120
<v Speaker 2>The answer is yes, oh fantastic, Jessica. What else are

0:32:45.120 --> 0:32:48.240
<v Speaker 2>you working towards? You haven't bought a house yet. Could

0:32:48.320 --> 0:32:50.080
<v Speaker 2>that go towards your house deposit and get you a

0:32:50.080 --> 0:32:52.400
<v Speaker 2>little bit closer? Could that, you know, go to a

0:32:52.480 --> 0:32:54.880
<v Speaker 2>million other things. I don't think it's bad to carve

0:32:54.920 --> 0:32:58.560
<v Speaker 2>off a little bit as a treaty tree. Yeah, treaty tree,

0:32:58.920 --> 0:33:01.800
<v Speaker 2>But I think that just blowing your entire tax return

0:33:01.840 --> 0:33:04.200
<v Speaker 2>on a new handbag when you're not in a financial

0:33:04.240 --> 0:33:06.040
<v Speaker 2>position to do that, because you're like, oh, it's not

0:33:06.120 --> 0:33:08.880
<v Speaker 2>actually real money, it's like fake money. It's just my

0:33:09.000 --> 0:33:12.360
<v Speaker 2>tax return. Actually, my friend, that is money that you earned.

0:33:12.680 --> 0:33:15.720
<v Speaker 2>That is real money that you earned, that was put

0:33:15.760 --> 0:33:18.920
<v Speaker 2>aside for you to pay taxes, and now it's not.

0:33:19.200 --> 0:33:21.160
<v Speaker 2>So it's kind of like a bonus to get you

0:33:21.200 --> 0:33:23.960
<v Speaker 2>ahead financially. Now you're deciding that that's not what you

0:33:24.000 --> 0:33:27.320
<v Speaker 2>want to do with it. Again, educated decisions. You want

0:33:27.320 --> 0:33:29.360
<v Speaker 2>to go buy a handbag with it, you do, you, babe,

0:33:29.360 --> 0:33:32.280
<v Speaker 2>But at least you know that you're in a financially

0:33:32.360 --> 0:33:34.960
<v Speaker 2>secure position. And I promise future you was going to

0:33:35.080 --> 0:33:37.520
<v Speaker 2>thank you if you put yourself in a position where

0:33:37.560 --> 0:33:39.440
<v Speaker 2>you have an emergency fund where you didn't have it,

0:33:39.640 --> 0:33:43.600
<v Speaker 2>because whether that is five dollars or five hundred dollars

0:33:43.600 --> 0:33:46.760
<v Speaker 2>that you didn't have yesterday, future you, when they need that,

0:33:46.800 --> 0:33:48.280
<v Speaker 2>they can be like, oh my gosh, that was so

0:33:48.280 --> 0:33:50.600
<v Speaker 2>smart of me to put that to the side. Yeah guaranteed.

0:33:50.800 --> 0:33:52.680
<v Speaker 3>Yeah, I reckon, she's going to do something smart because

0:33:52.720 --> 0:33:54.520
<v Speaker 3>she knew she's obviously she.

0:33:54.480 --> 0:33:55.680
<v Speaker 2>Knew, lady.

0:33:55.800 --> 0:33:58.280
<v Speaker 3>Yes, I feel like that was just a little nice

0:33:58.280 --> 0:33:58.720
<v Speaker 3>pep talk.

0:33:58.840 --> 0:34:02.640
<v Speaker 2>Yeah, I like Faithan's all right, let's move on. We

0:34:02.720 --> 0:34:08.440
<v Speaker 2>have a not as spicy as usual. DN, That's okay,

0:34:08.520 --> 0:34:13.200
<v Speaker 2>but it's still interesting. A topical conversation, okay, where I

0:34:13.239 --> 0:34:17.760
<v Speaker 2>think it's going to divide the room? Maybe are you ready?

0:34:18.320 --> 0:34:21.840
<v Speaker 2>So this week our community dilemma is this message that

0:34:21.880 --> 0:34:25.080
<v Speaker 2>we received, Hi team. I currently rent a home with

0:34:25.160 --> 0:34:28.120
<v Speaker 2>my husband and two children, and with recent rent increases

0:34:28.160 --> 0:34:31.040
<v Speaker 2>and my self on maternity leave, we're living paycheck to

0:34:31.080 --> 0:34:36.120
<v Speaker 2>paycheck with basically no savings. My lovely parents have offered

0:34:36.120 --> 0:34:38.600
<v Speaker 2>to have us move into their home, but the thought

0:34:38.640 --> 0:34:41.160
<v Speaker 2>of moving my family of for into the space of

0:34:41.280 --> 0:34:44.200
<v Speaker 2>two bedrooms, and if I'm being honest, the thought of

0:34:44.239 --> 0:34:47.080
<v Speaker 2>moving back in with my parents is one that I'm

0:34:47.080 --> 0:34:50.520
<v Speaker 2>not sure I love. How do you decide between getting

0:34:50.520 --> 0:34:55.719
<v Speaker 2>ahead financially and your pride and your comfort? Ooh, do

0:34:55.800 --> 0:34:56.760
<v Speaker 2>you want to go first?

0:34:57.680 --> 0:34:59.760
<v Speaker 3>I mean, it's so hard because I guess it depends

0:34:59.760 --> 0:35:04.040
<v Speaker 3>on what your definition of paycheck to paycheck is. Because

0:35:04.280 --> 0:35:06.840
<v Speaker 3>I can understand if you are literally like down to

0:35:06.880 --> 0:35:09.160
<v Speaker 3>your if we're taking it like quite literally, and you're

0:35:09.200 --> 0:35:12.879
<v Speaker 3>like I have every dollar accounted for, I'm barely scraping by.

0:35:13.040 --> 0:35:16.600
<v Speaker 3>I can't do anything fun. I'm really stress to me.

0:35:17.280 --> 0:35:19.319
<v Speaker 3>It's a really obvious choice to move back in with

0:35:19.360 --> 0:35:20.480
<v Speaker 3>your parents, and I guess it is.

0:35:20.440 --> 0:35:23.319
<v Speaker 2>Also massively privileged, very privileged, but.

0:35:23.280 --> 0:35:27.480
<v Speaker 3>Also largely dependent on your relationship with your parents too,

0:35:27.680 --> 0:35:30.600
<v Speaker 3>because I suppose if you're moving into right now, it

0:35:30.680 --> 0:35:32.960
<v Speaker 3>sounds fantastic, it's so kind of them to offer that

0:35:33.000 --> 0:35:36.600
<v Speaker 3>to you. But if you have a difficult relationship, or

0:35:36.719 --> 0:35:39.920
<v Speaker 3>historically you've had a difficult relationship, that could be compounded

0:35:39.960 --> 0:35:42.000
<v Speaker 3>by being in close quarters all of the time, And

0:35:42.080 --> 0:35:44.960
<v Speaker 3>so I guess that is a factor to consider as well.

0:35:45.400 --> 0:35:48.560
<v Speaker 3>I mean, if that is manageable, I feel I go

0:35:48.719 --> 0:35:50.520
<v Speaker 3>for it. That's not something a lot of people have

0:35:50.560 --> 0:35:53.239
<v Speaker 3>the option of. Not everybody's parents can accommodate them. Not

0:35:53.280 --> 0:35:56.560
<v Speaker 3>everyone's parents will accommodate them. The amount of money, even

0:35:56.600 --> 0:35:58.200
<v Speaker 3>if it was a short period of time that you

0:35:58.200 --> 0:36:02.000
<v Speaker 3>could potentially save, even if you were still contributing to bills,

0:36:02.040 --> 0:36:04.640
<v Speaker 3>If you're splitting bills between your parents and your family

0:36:04.719 --> 0:36:08.560
<v Speaker 3>rather than just paying them yourself, that's still gonna put

0:36:08.560 --> 0:36:10.439
<v Speaker 3>you quite far ahead. So it's kind of like short

0:36:10.480 --> 0:36:12.920
<v Speaker 3>term pay, long term gain. Yeah, but for some people.

0:36:12.920 --> 0:36:14.799
<v Speaker 3>They might love their family. They might be like, oh

0:36:14.840 --> 0:36:17.640
<v Speaker 3>my god, movie nights free babysitting, Like it's gonna be

0:36:17.719 --> 0:36:19.000
<v Speaker 3>like the Brady Bunching.

0:36:19.080 --> 0:36:23.000
<v Speaker 2>My girlfriends literally ended up buying a house that was

0:36:23.239 --> 0:36:25.960
<v Speaker 2>two houses stuck together so that she could be that

0:36:26.120 --> 0:36:29.160
<v Speaker 2>close with her parents in law. That's cute, and I

0:36:29.160 --> 0:36:32.440
<v Speaker 2>think that is so wholesome, like so incredible.

0:36:33.400 --> 0:36:34.840
<v Speaker 3>No, not for me, but I.

0:36:36.920 --> 0:36:41.560
<v Speaker 2>Love Steve's parents, but I cannot imagine being that close

0:36:41.600 --> 0:36:44.480
<v Speaker 2>to other people. But then there are people that are like, no, babe,

0:36:44.560 --> 0:36:47.719
<v Speaker 2>I thrive on that. It's literally the best thing. Our

0:36:47.840 --> 0:36:51.120
<v Speaker 2>kids are obsessed with just having their grandparents downstairs. And

0:36:51.160 --> 0:36:55.120
<v Speaker 2>I'm like, oh, that sounds amazing for you, And.

0:36:55.080 --> 0:36:56.759
<v Speaker 3>I guess that's where the comfort thing really comes in.

0:36:56.840 --> 0:36:59.600
<v Speaker 3>There is if you're someone who really I'm very introveted.

0:36:59.640 --> 0:37:02.000
<v Speaker 3>I like having my space. That's what I need to recharge.

0:37:02.239 --> 0:37:05.359
<v Speaker 3>Adding more people into that situation for me would suck.

0:37:05.520 --> 0:37:07.759
<v Speaker 2>You can move in with me, It's okay, Yeah, you

0:37:07.800 --> 0:37:10.160
<v Speaker 2>can't bring your cats because then there would be two

0:37:10.200 --> 0:37:13.759
<v Speaker 2>four D dog Actually no, I mean I'm for that.

0:37:13.800 --> 0:37:16.480
<v Speaker 2>I've changed my mind. We'll convinced Eve.

0:37:16.560 --> 0:37:19.520
<v Speaker 3>We'll figure it out. But yeah, like for some people,

0:37:19.520 --> 0:37:22.239
<v Speaker 3>I can see why you would be concerned as well,

0:37:22.280 --> 0:37:23.799
<v Speaker 3>and it can be a hard thing to say, Like

0:37:23.840 --> 0:37:25.799
<v Speaker 3>if your parents have said, oh, like you can move

0:37:25.840 --> 0:37:28.640
<v Speaker 3>in with us, it's also hard to then justify to

0:37:28.680 --> 0:37:31.800
<v Speaker 3>them why you wouldn't want to do that without really

0:37:31.960 --> 0:37:35.040
<v Speaker 3>like you, yeah, like, that's not what I'm saying. It's

0:37:35.120 --> 0:37:37.000
<v Speaker 3>just my space and my time and my like where

0:37:37.000 --> 0:37:37.800
<v Speaker 3>do we put our stuff?

0:37:37.880 --> 0:37:40.800
<v Speaker 2>I'm an adult now. Yeah, it's it's a hard conversation

0:37:40.880 --> 0:37:43.400
<v Speaker 2>to have as well. What are your thoughts?

0:37:43.239 --> 0:37:45.719
<v Speaker 4>It's such a tough one because I guess exactly what

0:37:45.719 --> 0:37:49.279
<v Speaker 4>you're saying, Like, what is the dynamic here? If you

0:37:49.520 --> 0:37:53.040
<v Speaker 4>have parents who I guess like you're kind of walking

0:37:53.080 --> 0:37:55.839
<v Speaker 4>around the house not wanting to upset them, would you

0:37:56.000 --> 0:37:57.719
<v Speaker 4>feel like you have the kind of relationship where they

0:37:57.800 --> 0:38:00.280
<v Speaker 4>maybe don't respect your boundaries, They're coming into your personal

0:38:00.320 --> 0:38:02.520
<v Speaker 4>space a lot of the time. Would they be offended

0:38:02.600 --> 0:38:05.000
<v Speaker 4>if you need alone time after spending a lot of

0:38:05.000 --> 0:38:07.400
<v Speaker 4>time with them, Do you feel like you just be

0:38:07.520 --> 0:38:11.120
<v Speaker 4>constantly anxious that you've upset them at some point? I

0:38:12.000 --> 0:38:14.719
<v Speaker 4>just don't think I would want to live like that.

0:38:14.840 --> 0:38:17.960
<v Speaker 4>If that's the relationship that you have. But if you

0:38:18.040 --> 0:38:22.879
<v Speaker 4>have like super crazy parents, like they are totally totally

0:38:22.920 --> 0:38:25.560
<v Speaker 4>respected boundaries, they can give you all the pricy you need.

0:38:25.600 --> 0:38:28.040
<v Speaker 4>They understand that you have your own family, and they

0:38:28.160 --> 0:38:31.399
<v Speaker 4>understand that people need space and time, and they can

0:38:31.400 --> 0:38:33.680
<v Speaker 4>be grumpy, they can be happy all these things. If

0:38:33.680 --> 0:38:36.920
<v Speaker 4>they're completely accepting of that, and you're not worried about anything,

0:38:37.120 --> 0:38:38.880
<v Speaker 4>then like, sure, do it.

0:38:38.960 --> 0:38:39.680
<v Speaker 3>Oh you know what I mean.

0:38:40.000 --> 0:38:41.399
<v Speaker 2>I understand it's way more to it.

0:38:41.360 --> 0:38:45.239
<v Speaker 4>Of course, like reducing your space to just two bedrooms,

0:38:45.680 --> 0:38:47.680
<v Speaker 4>so the comfort there is something that you'd have to

0:38:47.960 --> 0:38:48.799
<v Speaker 4>really compromise.

0:38:49.719 --> 0:38:52.520
<v Speaker 2>But exactly exactly what you're saying, like a little.

0:38:52.280 --> 0:38:53.600
<v Speaker 4>Bit, just do it for a little bit of time,

0:38:53.640 --> 0:38:56.920
<v Speaker 4>save up some money, wait unto you're comfortable, go back

0:38:56.960 --> 0:38:59.839
<v Speaker 4>out there and try again, and then if you get

0:39:00.239 --> 0:39:04.520
<v Speaker 4>down the dragon or whatever the.

0:39:04.480 --> 0:39:07.879
<v Speaker 2>Song says, that's the song to be listening to right now.

0:39:08.120 --> 0:39:11.840
<v Speaker 4>But exactly right, Jessica, I do actually tend to agree

0:39:11.880 --> 0:39:14.000
<v Speaker 4>with you for this one. Just if you have the

0:39:14.040 --> 0:39:16.040
<v Speaker 4>resources to stay with your parents and you have that

0:39:16.280 --> 0:39:20.400
<v Speaker 4>ability to take advantage for a little while, unless it

0:39:20.400 --> 0:39:22.480
<v Speaker 4>will really stress you out, then it's not worth it.

0:39:23.080 --> 0:39:25.439
<v Speaker 2>What do you reckon bed I'm probably a little bit

0:39:25.480 --> 0:39:26.240
<v Speaker 2>more planned.

0:39:27.000 --> 0:39:28.200
<v Speaker 3>Okay, I'm proper.

0:39:29.560 --> 0:39:31.000
<v Speaker 2>I don't think any of you are going to see

0:39:31.000 --> 0:39:33.040
<v Speaker 2>this coming, but I would want you to make a plan.

0:39:34.719 --> 0:39:36.719
<v Speaker 2>So I want you to actually sit down and not

0:39:36.760 --> 0:39:39.400
<v Speaker 2>make a decision yet, like do a pros and CON's

0:39:39.440 --> 0:39:41.560
<v Speaker 2>list of like what are all the benefits of moving in?

0:39:41.840 --> 0:39:44.680
<v Speaker 2>And then what are the cons? Like be savage because

0:39:44.840 --> 0:39:47.520
<v Speaker 2>those things could make or break relationships.

0:39:48.280 --> 0:39:49.680
<v Speaker 3>Don't leave it anywhere anyone could read.

0:39:49.600 --> 0:39:51.879
<v Speaker 2>It, burn it, put it in your phone, and then

0:39:51.920 --> 0:39:55.960
<v Speaker 2>backspace it once you're done. Like the CON's list doesn't

0:39:56.000 --> 0:39:57.640
<v Speaker 2>need to see the light of day. But you need

0:39:57.680 --> 0:40:00.359
<v Speaker 2>to sit down with your partner in this circumstance, all right,

0:40:00.440 --> 0:40:03.799
<v Speaker 2>yess what's the worst thing? And Jess could be like

0:40:03.960 --> 0:40:07.200
<v Speaker 2>v I literally hate it when Steve xyzs and I'll

0:40:07.200 --> 0:40:09.239
<v Speaker 2>be like, whoop, don't tell Steve that's good to have

0:40:09.360 --> 0:40:11.680
<v Speaker 2>on the list. So I think it's important to look

0:40:11.719 --> 0:40:14.000
<v Speaker 2>at your pros and cons and then make a plan

0:40:14.160 --> 0:40:17.480
<v Speaker 2>and be really clear on that plan. So why are

0:40:17.520 --> 0:40:20.160
<v Speaker 2>you making this decision? Because if you go, oh, Beck,

0:40:20.200 --> 0:40:22.160
<v Speaker 2>you can move back in with me to save a

0:40:22.160 --> 0:40:23.960
<v Speaker 2>bit of money, and you go, yeah, no worries well

0:40:23.960 --> 0:40:27.279
<v Speaker 2>what does that mean, Like, look at your budget, to

0:40:27.360 --> 0:40:30.160
<v Speaker 2>a comprehensive budget and sit down and go all right, well,

0:40:30.200 --> 0:40:32.600
<v Speaker 2>if we're not paying rent for this period of time,

0:40:32.719 --> 0:40:35.520
<v Speaker 2>we're going to save twelve hundred dollars two and a

0:40:35.560 --> 0:40:39.000
<v Speaker 2>half thousand dollars a month. Whatever that looks like. Is

0:40:39.040 --> 0:40:42.000
<v Speaker 2>that feasible? What other fees and charges and other things

0:40:42.040 --> 0:40:43.480
<v Speaker 2>in the background. Might we have to.

0:40:43.480 --> 0:40:46.200
<v Speaker 3>Pay storage for your furniture or something, all of.

0:40:46.200 --> 0:40:49.480
<v Speaker 2>That kind of stuff. But also I would be adding

0:40:49.560 --> 0:40:52.600
<v Speaker 2>in some personal time too. You know, obviously you need

0:40:52.640 --> 0:40:55.400
<v Speaker 2>to be discussing this with your parents because there's kids involved.

0:40:55.760 --> 0:40:57.719
<v Speaker 2>But I'm going to make the grand assumption that if

0:40:57.760 --> 0:41:00.160
<v Speaker 2>you're living under the same roof as somebody else, you're

0:41:00.200 --> 0:41:02.160
<v Speaker 2>probably going to want maybe like an extra date night

0:41:02.239 --> 0:41:05.600
<v Speaker 2>or something away from that dynamic to make it more

0:41:05.760 --> 0:41:08.319
<v Speaker 2>palatable in the long term. Yes, good work. You're going

0:41:08.360 --> 0:41:11.840
<v Speaker 2>to sit down and work out Okay, Well, Jess and

0:41:11.800 --> 0:41:13.759
<v Speaker 2>I've worked out that if we move our family back

0:41:13.800 --> 0:41:16.200
<v Speaker 2>in with my parents, we're going to save twenty five

0:41:16.280 --> 0:41:18.719
<v Speaker 2>hundred dollars a month at a minimum. How much do

0:41:18.760 --> 0:41:21.440
<v Speaker 2>we want to save? What is the goal here? Like,

0:41:21.480 --> 0:41:23.960
<v Speaker 2>are we just saving for a month. Are we saving

0:41:23.960 --> 0:41:26.279
<v Speaker 2>for three months? Are we saving for six months? Are

0:41:26.320 --> 0:41:28.480
<v Speaker 2>we saving a whole house deposit? If we are saving

0:41:28.520 --> 0:41:31.160
<v Speaker 2>a whole house deposit, what does that look like? Is

0:41:31.200 --> 0:41:33.359
<v Speaker 2>that ten thousand dollars? Is it one hundred thousand dollars?

0:41:33.360 --> 0:41:35.359
<v Speaker 2>I'm going to move back in with my parents to

0:41:35.360 --> 0:41:37.239
<v Speaker 2>do your whole house deposit and that's going to be

0:41:37.280 --> 0:41:41.120
<v Speaker 2>four years? What does that actually look like? And I

0:41:41.200 --> 0:41:44.400
<v Speaker 2>would say shameless plug use the she's on the money

0:41:44.400 --> 0:41:48.440
<v Speaker 2>goal setting activity, which means that you are specific, optimistic,

0:41:48.480 --> 0:41:52.120
<v Speaker 2>time bound, and then also measurable. So the measurable part

0:41:52.120 --> 0:41:54.719
<v Speaker 2>will come in. If you say you're saving twenty five

0:41:54.800 --> 0:41:56.920
<v Speaker 2>hundred dollars a month and you need to get to

0:41:57.040 --> 0:42:00.359
<v Speaker 2>ten thousand dollars, what will that look like? It's that

0:42:00.440 --> 0:42:04.080
<v Speaker 2>time frame. Then once you've done your plan, you're going

0:42:04.120 --> 0:42:07.040
<v Speaker 2>to hide the cons list because if you've then decided

0:42:07.040 --> 0:42:09.919
<v Speaker 2>to move in with your parents, just delete all of that. Yeah,

0:42:10.040 --> 0:42:12.520
<v Speaker 2>pretend it didn't happen, and then you're going to go, hey,

0:42:12.600 --> 0:42:14.440
<v Speaker 2>mom and dad, before we move in, can we just

0:42:14.480 --> 0:42:17.239
<v Speaker 2>have a really big chat about what this means, because

0:42:17.280 --> 0:42:20.960
<v Speaker 2>we really flip it. We really want to respect your boundaries,

0:42:21.280 --> 0:42:24.200
<v Speaker 2>not take advantage of the home that you own and

0:42:24.360 --> 0:42:27.319
<v Speaker 2>understand what that would mean, because they might go, oh, one,

0:42:27.360 --> 0:42:31.160
<v Speaker 2>that's really thoughtful, but two they probably haven't thought about it.

0:42:31.600 --> 0:42:35.640
<v Speaker 2>Is there anything like my parents? My parents would jump

0:42:35.640 --> 0:42:37.680
<v Speaker 2>at the chance to have Steve and I move back in.

0:42:37.760 --> 0:42:40.560
<v Speaker 2>That's cute. Like they would be like, yep, yep, come live,

0:42:40.640 --> 0:42:43.719
<v Speaker 2>come stay, like we hear from them often when you

0:42:43.760 --> 0:42:45.880
<v Speaker 2>come to stay with us, when you're coming down, when

0:42:45.920 --> 0:42:48.120
<v Speaker 2>are you going to And that's so kind and I

0:42:48.160 --> 0:42:51.360
<v Speaker 2>adore it, But I would want to be like, okay, cool,

0:42:51.480 --> 0:42:54.560
<v Speaker 2>Like what would be the dynamic of cooking every night?

0:42:54.760 --> 0:42:57.040
<v Speaker 2>Especially if I have two young kids? Because there's more

0:42:57.080 --> 0:42:59.239
<v Speaker 2>of us now than of my parents, So is there

0:42:59.280 --> 0:43:01.640
<v Speaker 2>an expectation and that you know we're contributing a bit

0:43:01.680 --> 0:43:04.720
<v Speaker 2>more Mum and dad, don't worry, we'll do all the cooking.

0:43:04.880 --> 0:43:08.880
<v Speaker 2>We'll just jointly fund groceries. You guys have basically private

0:43:08.960 --> 0:43:14.680
<v Speaker 2>chef now money when life, when domestic chores? How's the

0:43:14.680 --> 0:43:17.480
<v Speaker 2>house going to stay clean? Can we talk about these

0:43:17.520 --> 0:43:21.000
<v Speaker 2>things and set some really realistic boundaries and expectations before

0:43:21.040 --> 0:43:25.160
<v Speaker 2>moving in, Because what if you're not as thoughtful as

0:43:25.560 --> 0:43:28.359
<v Speaker 2>Jess Jess? Oh, my god, if you moved in with her,

0:43:28.400 --> 0:43:31.400
<v Speaker 2>she just like clean your room too. But what if

0:43:31.400 --> 0:43:34.520
<v Speaker 2>you're not that thoughtful, and you've got your two kids

0:43:34.600 --> 0:43:36.839
<v Speaker 2>running around and your husband that maybe isn't that good

0:43:36.880 --> 0:43:39.040
<v Speaker 2>at domestic work, and then your mom's like far out

0:43:39.040 --> 0:43:42.440
<v Speaker 2>and cleaning up after them all the time. That's not fair.

0:43:42.880 --> 0:43:46.719
<v Speaker 2>So I think having these conversations up front, having a

0:43:46.760 --> 0:43:49.839
<v Speaker 2>time frame, having a desired outcome for why we are

0:43:49.840 --> 0:43:52.840
<v Speaker 2>doing that is one going to mean going into the

0:43:52.880 --> 0:43:56.879
<v Speaker 2>house would be easier, But also it keeps your eye

0:43:56.920 --> 0:43:58.720
<v Speaker 2>on the prize when you're there and things are hard.

0:43:59.320 --> 0:44:01.719
<v Speaker 2>Oh yes, it doesn't really matter, Like, do you know

0:44:01.760 --> 0:44:04.160
<v Speaker 2>we're halfway to that home deposit? Do you know we're

0:44:04.200 --> 0:44:07.680
<v Speaker 2>halfway to that emergency fund? Oh so much for Okay,

0:44:07.680 --> 0:44:10.239
<v Speaker 2>well maybe we'll use fifty bucks and we'll go get

0:44:10.239 --> 0:44:12.040
<v Speaker 2>a pizza and needed in the park together and just

0:44:12.040 --> 0:44:14.080
<v Speaker 2>get out of this house for a bit. Yeah, does

0:44:14.120 --> 0:44:17.080
<v Speaker 2>that make sense? So you need really clear boundaries, really

0:44:17.120 --> 0:44:21.279
<v Speaker 2>clear goals, and understanding what that actually means. When everybody else,

0:44:21.680 --> 0:44:24.799
<v Speaker 2>oh my gosh, everybody had such colorful opinions. All right,

0:44:24.840 --> 0:44:26.920
<v Speaker 2>So first we asked our community, have you moved back

0:44:26.920 --> 0:44:29.399
<v Speaker 2>in with your parents. Fifty three percent of you said yes,

0:44:29.520 --> 0:44:33.600
<v Speaker 2>Oh Genesis. We said if yes, how long for? So

0:44:33.840 --> 0:44:35.920
<v Speaker 2>this was pretty split. Twenty percent of you said one

0:44:35.920 --> 0:44:38.600
<v Speaker 2>to three months, twenty two percent said three to six,

0:44:38.640 --> 0:44:40.960
<v Speaker 2>twenty five percent said six to twelve, and thirty three

0:44:41.000 --> 0:44:43.200
<v Speaker 2>percent said for more than a year. We then had

0:44:43.200 --> 0:44:45.200
<v Speaker 2>a couple of dams, which I think were really irrelevant.

0:44:45.239 --> 0:44:47.200
<v Speaker 2>So someone said, I think it's worth looking at it

0:44:47.239 --> 0:44:49.400
<v Speaker 2>with your husband and making a plan. You're so smart.

0:44:49.440 --> 0:44:52.120
<v Speaker 2>I wish i'd thought of that, of what it could

0:44:52.120 --> 0:44:53.600
<v Speaker 2>look like if you moved back in with your parents.

0:44:53.640 --> 0:44:55.719
<v Speaker 2>It's a really great opportunity to get ahead and save

0:44:55.760 --> 0:44:57.719
<v Speaker 2>yourself some stress if you can to do it in

0:44:57.719 --> 0:44:59.759
<v Speaker 2>a way that you and your husband are comfortable with.

0:45:00.160 --> 0:45:02.600
<v Speaker 2>I'm guessing the added benefit could be some extra help

0:45:02.600 --> 0:45:06.200
<v Speaker 2>with the kids. Someone said, I recently moved in with

0:45:06.239 --> 0:45:09.719
<v Speaker 2>my partner and his mum after some hesitancy, But it's

0:45:09.760 --> 0:45:12.080
<v Speaker 2>actually been a game changer. Once you can see what

0:45:12.120 --> 0:45:14.360
<v Speaker 2>you can achieve with the extra money, it feels like

0:45:14.400 --> 0:45:17.400
<v Speaker 2>a weight has been lifted. If it is only temporary

0:45:17.400 --> 0:45:19.839
<v Speaker 2>to get ahead, keep reminding yourself that by this time

0:45:19.840 --> 0:45:22.719
<v Speaker 2>next year, or whatever your goal is, you'll actually own

0:45:22.760 --> 0:45:25.440
<v Speaker 2>your own space and will be X dollars better off,

0:45:25.719 --> 0:45:29.080
<v Speaker 2>with much more financial freedom and oververall a better quality

0:45:29.080 --> 0:45:32.640
<v Speaker 2>of life. I honestly think it is worth temporary discomfort

0:45:32.880 --> 0:45:35.080
<v Speaker 2>in order to achieve your lifelong goals.

0:45:35.239 --> 0:45:37.400
<v Speaker 3>No pain, no gain again.

0:45:37.600 --> 0:45:40.799
<v Speaker 2>Baby. Then in our little like reply box, which are

0:45:40.840 --> 0:45:43.399
<v Speaker 2>much shorter, so people said, I think so it's hard,

0:45:43.440 --> 0:45:46.640
<v Speaker 2>but it would be financially rewarding. Someone said, hell, no,

0:45:46.880 --> 0:45:49.080
<v Speaker 2>I'm not moving back in with my parents. I'll live

0:45:49.080 --> 0:45:53.080
<v Speaker 2>on the street. I said, talk with your partner and

0:45:53.120 --> 0:45:55.120
<v Speaker 2>if it's a yes, set a time limit on you

0:45:55.239 --> 0:45:58.279
<v Speaker 2>so mentally you know there's an end date. Someone said,

0:45:58.320 --> 0:45:59.840
<v Speaker 2>I moved back in with my parents to say for

0:45:59.840 --> 0:46:01.560
<v Speaker 2>he had fast to posit. It was painful, but we

0:46:01.600 --> 0:46:07.040
<v Speaker 2>saved seventy k Wowly. Someone said, financially it's a blessing,

0:46:07.120 --> 0:46:10.160
<v Speaker 2>but mentally might not be so healthy. You need to

0:46:10.160 --> 0:46:11.680
<v Speaker 2>set very strict boundaries.

0:46:12.000 --> 0:46:13.480
<v Speaker 3>The boundaries thing is a big one. It's like a

0:46:13.480 --> 0:46:15.040
<v Speaker 3>housemate thing. I'm like, what if your mum came in

0:46:15.080 --> 0:46:17.240
<v Speaker 3>and just like picked up your undies so your heartners undies,

0:46:17.280 --> 0:46:19.000
<v Speaker 3>so wash them for you because she's really nice. But

0:46:19.080 --> 0:46:20.359
<v Speaker 3>I would hate like I would just hate that.

0:46:20.719 --> 0:46:23.600
<v Speaker 2>My ex boyfriend's mum used to do that. Bless bless her.

0:46:23.680 --> 0:46:26.640
<v Speaker 2>She was the kindest person in the entire world. But

0:46:26.719 --> 0:46:31.040
<v Speaker 2>when you were in your very early twenties and your

0:46:31.080 --> 0:46:33.960
<v Speaker 2>boyfriend's mum at the time folds your G string and

0:46:33.960 --> 0:46:34.840
<v Speaker 2>puts it on the end of.

0:46:34.840 --> 0:46:37.560
<v Speaker 3>The bed, Oh my god, that's so cute.

0:46:38.080 --> 0:46:38.960
<v Speaker 2>You're moultified.

0:46:39.640 --> 0:46:40.520
<v Speaker 3>Yeah, that's the word.

0:46:40.800 --> 0:46:43.759
<v Speaker 2>Yeah, Like it's not a good feel like you're like, oh,

0:46:43.800 --> 0:46:45.120
<v Speaker 2>that's so nice.

0:46:45.400 --> 0:46:48.720
<v Speaker 3>Where did you find that?

0:46:50.440 --> 0:46:53.560
<v Speaker 2>You would be a surprised. I've never done it myself,

0:46:53.640 --> 0:46:56.280
<v Speaker 2>but she definitely did it, and it looked very pretty,

0:46:56.640 --> 0:46:59.920
<v Speaker 2>very perfect, and I really didn't want to face her everything.

0:47:00.120 --> 0:47:00.920
<v Speaker 3>That's understandable.

0:47:01.520 --> 0:47:03.920
<v Speaker 2>Someone said, I'm moving with my mum. It was an ideal,

0:47:04.040 --> 0:47:06.439
<v Speaker 2>but I can't afford to move back to Australia without

0:47:06.440 --> 0:47:09.200
<v Speaker 2>this option. So I just think there's lots of different

0:47:09.239 --> 0:47:12.600
<v Speaker 2>situations and lots of different outcomes. I think the general

0:47:12.600 --> 0:47:15.960
<v Speaker 2>consensus though, from our community is make a plan, understand

0:47:15.960 --> 0:47:19.120
<v Speaker 2>the pros and cons set boundaries, and understand your end goal.

0:47:19.160 --> 0:47:23.480
<v Speaker 2>It's not just me, guys. Yes, perfect advice. We're trying

0:47:23.520 --> 0:47:27.279
<v Speaker 2>our best and to be honest, if you can do

0:47:27.400 --> 0:47:31.239
<v Speaker 2>it. It's kind of genius to save money. Pretty French is

0:47:31.440 --> 0:47:34.799
<v Speaker 2>expensive if you could save that amount per month like

0:47:34.960 --> 0:47:39.360
<v Speaker 2>no amount option, short term pain, long term gay. That's

0:47:39.440 --> 0:47:42.160
<v Speaker 2>it all right, guys, I think we are done here.

0:47:42.400 --> 0:47:45.000
<v Speaker 2>We have some fun things to get to. We will

0:47:45.040 --> 0:47:47.080
<v Speaker 2>see you on Monday for a money Darry. We hope

0:47:47.080 --> 0:47:48.279
<v Speaker 2>you have the best weekend ever.

0:47:48.360 --> 0:47:54.680
<v Speaker 3>We love you, goodbye, bye bye.

0:47:57.000 --> 0:47:59.600
<v Speaker 2>The advice shared on Cheese on the Money is generally

0:47:59.719 --> 0:48:03.560
<v Speaker 2>nature and does not consider your individual circumstances. She's on

0:48:03.640 --> 0:48:07.120
<v Speaker 2>the Money exists purely for educational purposes and should not

0:48:07.160 --> 0:48:10.160
<v Speaker 2>be relied upon to make an investment or financial decision.

0:48:10.560 --> 0:48:13.000
<v Speaker 2>If you do choose to buy a financial product, read

0:48:13.040 --> 0:48:17.120
<v Speaker 2>the PDS TMD and obtain appropriate financial advice tailored towards

0:48:17.200 --> 0:48:20.480
<v Speaker 2>your needs. Victoria Divine and She's on the Money are

0:48:20.520 --> 0:48:25.560
<v Speaker 2>authorized representatives of Money SHERPA, pty LTD ABN three two

0:48:25.560 --> 0:48:29.520
<v Speaker 2>one six four nine two seven seven zero eight AFSL

0:48:29.680 --> 0:48:33.600
<v Speaker 2>four five one two eight nine