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

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Speaker 1: Order Kernie Whoalbury and a waddery woman. And before we

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

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

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

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

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

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

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Speaker 1: and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money. She's on the Money.

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Speaker 4: Hello, and welcome to She's on the Money. The cast

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Speaker 4: the mag's personal finance fun especially on Fridays. It's our

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Speaker 4: favorite day of the week because this week we're getting

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Speaker 4: the team together and we are celebrating you. How incredible

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Speaker 4: She's on the Money community. First cab off the rank.

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Speaker 4: We've got Miss Grichin. She's going to be sharing some

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Speaker 4: money wins and confessions from the community. Miss bech Sayed

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Speaker 4: has a few broke tips for us. Beck I actually

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Speaker 4: have a tip.

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Speaker 2: To add this week.

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Speaker 4: I don't know if it's a good tip, but I

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Speaker 4: sent the TikTok of it to Jess yesterday. No, no,

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Speaker 4: it's not. Well, it's not a money win because I

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Speaker 4: didn't buy it. It's like a tip.

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Speaker 2: You can have it, you can have it, but it'll

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Speaker 2: be like a coy.

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Speaker 4: Thank god, thank god he was on TikTok again, like

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Speaker 4: I live there. We're going to be answering a money

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Speaker 4: dilemma this week. It's all about how to pay for

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Speaker 4: your egg freezing. And we've also got a juicy conversation

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Speaker 4: to have something that you slid into our d MS about.

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Speaker 4: We're going to be talking about buying property with a

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Speaker 4: family member before I ask you about how your weeks were,

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Speaker 4: My loves, do you know what today is? What? It

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Speaker 4: is the last day of intake for the Investing master Class,

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Speaker 4: and would you believe thousands of women have joined us now.

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Speaker 4: I am so excited about it, but I wanted to

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Speaker 4: mention it just right here at the top because it

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Speaker 4: is the last day. Doors are closing today. So if

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Speaker 4: you've been on the fence about jumping into the Investing

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Speaker 4: master Class you're not sure if it's for you, go

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Speaker 4: have a look at the website. We're going to put

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Speaker 4: all of the information in the show notes. Obviously, I'm

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Speaker 4: going to give you a discount if you use the

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Speaker 4: code podcast, you'll get a cheeky little discount at checkout.

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Speaker 4: But I'm really excited because it starts on Monday. The

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Speaker 4: reason we're closing doors is to make sure that everybody

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Speaker 4: gets in at the same time. They all have an

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Speaker 4: epic experience and we can like go through each module

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Speaker 4: live and we can drop it to make sure that

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Speaker 4: you are on top of it, because I feel like

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Speaker 4: sometimes you're like I've got all the best intentions in

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Speaker 4: the world, and then you don't do it, so it's

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Speaker 4: like kind of us holding you accountable. There are already

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Speaker 4: hundreds of women in our Facebook group as well talking

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Speaker 4: about how excited they are.

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Speaker 2: There's a few posts I've.

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Speaker 4: Seen where people are looking for accountability partners, and I

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Speaker 4: just think it's the sweetest thing ever because you can

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Speaker 4: just see that they're making friends with one another, and

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Speaker 4: I honestly cannot wait to jump in. So if you

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Speaker 4: haven't dove in yet and you really want to the

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Speaker 4: Code is podcast because obviously, like we're going to need

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Speaker 4: a discount, but also I don't mean to put the

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Speaker 4: pressure on, I haven't before doors do close. So if

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Speaker 4: you want to be in it to literally win it

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Speaker 4: or like invest it, you need to do that sooner

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Speaker 4: rather than later. But moving on, my loves, how are

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Speaker 4: your weeks?

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Speaker 3: Goohed?

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Speaker 5: Happy public holiday to everyone in Melbourne and gets a

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Speaker 5: day off for the footy?

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Speaker 2: Love that for us? Wait is that this week?

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Speaker 5: Yes?

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Speaker 4: Oh so have Friday off? Yeh, you're coming to work

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Speaker 4: on Friday.

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Speaker 1: No.

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Speaker 4: I love being the boss and knowing everything about my

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Speaker 4: own vis.

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Speaker 2: Will come.

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Speaker 4: That's cool. Do you know what's actually quite funny? I

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Speaker 4: saw Gabby who used to work at She's on the Money,

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Speaker 4: who now works for the af L.

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Speaker 2: She was telling me all about this yesterday.

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Speaker 4: She's like, oh, they I need to borrow all address

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Speaker 4: because you know I've got all these.

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Speaker 2: Grand final things.

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Speaker 4: I did not put two and two together that she

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Speaker 4: borrowed a dress because it was this week. I was

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Speaker 4: just like, yeah, come raid my wardrobe. All good or good,

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Speaker 4: no worries. She did tell me it was for Friday.

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Speaker 4: My brain, my brain, no comprehendo.

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Speaker 6: No, it's shockingly not all consuming this year, Like I

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Speaker 6: just feel like I haven't heard or seen but maybe I'm.

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Speaker 2: If it's your team. It depends.

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Speaker 6: Yeah, and then there are no Melbourne teams and this. Yeah,

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Speaker 6: maybe that's why.

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Speaker 4: I don't know why I am so useless. But I

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Speaker 4: also did watch The Brownlow, so like, yeah, you know

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Speaker 4: you were saying, oh, like I feel like it's not anywhere.

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Speaker 4: I'm like, oh, it's been everywhere for me. Yeah, And

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Speaker 4: I've been all over TikTok looking at all the girls dresses.

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Speaker 4: Like because when I say I watched the Brown Low,

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Speaker 4: I just watched the red carpet section like a normal person.

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Speaker 2: Yeah, Like that's it.

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Speaker 4: I just want to see the dresses. I want to

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Speaker 4: see what's going on. I want to see who brought who,

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Speaker 4: and then I want to go to bed early. But

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Speaker 4: about that, Jess, You've got a public holiday, so this

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Speaker 4: week is a good week.

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Speaker 2: Thrilled. I have a racket racket club, so hopefully.

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Speaker 4: I've heard about racket clubs.

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Speaker 2: Six grees of separation.

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Speaker 5: It's like a consignments rate.

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Speaker 2: It's like you sell your.

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Speaker 5: Clothes, you rent a rack basically you and I've done

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Speaker 5: punter markets before where you stand there for hours on

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Speaker 5: end and you're selling your stuff and you're hggling. And

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Speaker 5: it was good it was fun.

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Speaker 2: We had a good time. Gillies now brought their pets.

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Speaker 4: I got to drink coffee, I got to meet heaps

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Speaker 4: of people. Also, I love a little bit of a

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Speaker 4: circular economy really absolutely. We're just talking about my girlfriend

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Speaker 4: coming over because she borrowed one of my dresses.

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Speaker 2: I love that reduced free recycling.

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Speaker 5: Yeah, so it's like a similar thing, except do you

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Speaker 5: render it for like a longer period. So I a

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Speaker 5: girlfriend and I went halves. So we've got like this

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Speaker 5: rack for two weeks.

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Speaker 2: It's I think.

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Speaker 5: About the same price point as like a one day

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Speaker 5: at like a like a Camwell market.

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Speaker 4: That's cool because racket I was like taking off. I've

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Speaker 4: seen it all over social media again chronically online over here.

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Speaker 5: And it's co founded by Alice who used to work

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Speaker 5: on Jason Lauren.

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Speaker 2: Yeah that's right. Yeah, that's kind of fun.

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Speaker 5: She used to wear for iHeart and then when you know,

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Speaker 5: obviously that and all the redundanties and stuff happened, she

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Speaker 5: and her friends started this business and they're just opening

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Speaker 5: like their third.

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Speaker 2: Styeah like they do one, they've now got three. Isn't

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Speaker 2: that iNeST really cool? Yeah?

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Speaker 5: And so I said, I've done my big sprinkling. I've

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Speaker 5: been selling stuff, so now I've just dumped it all.

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Speaker 5: I mean, I dump it all there for the weekend.

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Speaker 4: Is that Scanlin dress that I saw on deep Pop

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Speaker 4: going to be there?

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Speaker 2: Absolutely? Oh so you've got good stuff?

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Speaker 1: Yeah?

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Speaker 2: Oh I love it? So what you you borrow a

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Speaker 2: whole rap?

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Speaker 4: Yeah? I retr clothes in the shop and they really

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Speaker 4: and go to the shop and like basically go and

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Speaker 4: purchase your stuff and then they sell it for you.

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Speaker 4: Obviously they're going to clip the ticket on the way through.

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Speaker 2: But then at the.

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Speaker 4: End of the two weeks they'll be like, hey, Jess,

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Speaker 4: come pick up the stuff that you haven't sold.

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Speaker 2: Right and new money. And I'm just doing it.

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Speaker 5: Like the stuff that I have on deepop is still

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Speaker 5: on deeper because you can track it online what has sold.

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Speaker 5: Like if something sells at Racket Club, I'll just market

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Speaker 5: is sold on deep Op. So it's like smiling and

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Speaker 5: I don't have to stand there all day like it

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Speaker 5: just as a shopkeeper who does it all at the lovely.

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Speaker 2: Great How good is that? Okay?

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Speaker 6: I'm so sorry I know that we're probably I don't

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Speaker 6: want to take up too much time, but you're renting

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Speaker 6: the physical rack. I'm thinking you're renting a rack of

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Speaker 6: clothes and just wearing them for the week.

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Speaker 2: They're I understand, I understand. I'm so sorry. Why are

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Speaker 2: you sorry?

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Speaker 4: Honestly, if you were thinking it's someone somewhere, we're sitting

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Speaker 4: in their club being jess. You have so many clothes,

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Speaker 4: why would you rent a whole rack of clothes to wear.

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Speaker 2: I hope there's at least one person sitting at a

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Speaker 2: club club.

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Speaker 4: Slide into my DM so that I can show back,

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Speaker 4: so that we can all feel better about this situation. Yes, please, no,

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Speaker 4: but I love that borough a friend's dress go to

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Speaker 4: racket club, like it's a good idea. I was thinking

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Speaker 4: about that when I got dressed this morning, because I

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Speaker 4: put on this skirt that I'm wearing.

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Speaker 5: I love it.

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Speaker 2: I've had it for ten plus years.

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Speaker 4: I was putting it on this morning and I was like, oh,

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Speaker 4: this is probably not a good thing.

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Speaker 2: But like Scanlon.

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Speaker 4: Theodore used to be, I won't say accessible, it was

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Speaker 4: like a bit more expensive. But more recently they've gone

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Speaker 4: insane with their prices, Like I cannot justify it. Like

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Speaker 4: I used to be like, oh this is you know,

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Speaker 4: obviously very bougie purchased, but like two hundred and fifty

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Speaker 4: three hundred dollars for a skirt, Like I could find

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Speaker 4: a way to make it work in my budget because

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Speaker 4: I'm a fashion girly.

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Speaker 2: But now they're like eight hundred dollars.

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Speaker 4: I'm out.

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Speaker 2: I'm out.

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Speaker 5: Dress times are the only reason I have it is

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Speaker 5: I got it at a warehouse, but it was originally

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Speaker 5: I think, like seven hundred dollars.

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Speaker 4: It's insane, right, And I was just thinking, hey, I've

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Speaker 4: got pretty good cosper wear out of this skirt. Like

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Speaker 4: I tried to track back when I got it, and

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Speaker 4: I was like, I don't know when I got it,

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Speaker 4: but I remember going on dates with my husband wearing

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Speaker 4: this skirt when we first met.

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Speaker 2: And then I was like, oh, that was a really

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Speaker 2: long time ago.

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Speaker 4: And then I was like, oh, this skirt's probably ten

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Speaker 4: isn't it.

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Speaker 5: Can say pieces that last that long, they're good quality.

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Speaker 4: I know. I was actually kind of low key chuffed.

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Speaker 4: I was like, this is like that's cool.

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Speaker 2: And it comes around, doesn't it totally?

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Speaker 4: Do you know why I've pulled it back out because

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Speaker 4: I was coming back, you know, I saw something similar

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Speaker 4: online and I.

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Speaker 2: Was like, I think I have something like that perfect.

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Speaker 2: I never throw out your clothes.

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Speaker 4: Anyway, Beck, Yes, enough about racket clothes and my outfits.

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Speaker 2: How's your week being really good?

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Speaker 6: I was actually going to tell you guys before we

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Speaker 6: started this, but I didn't want to take up too

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Speaker 6: much time.

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Speaker 2: But I was diagnosed with ADHD yesterday.

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Speaker 4: And it's so funny because offline I was like, oh

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Speaker 4: my god, so my ADHD meds x y Z and

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Speaker 4: didn't even manage to.

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Speaker 2: Tell me that.

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Speaker 6: No, while I was like, oh, we probably should start,

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Speaker 6: and I was like, I felt bad that I was

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Speaker 6: taking too much time, So I was like, maybe just

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Speaker 6: like dropping and then we'll.

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Speaker 4: We'll talk about it on the pod to talk about

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Speaker 4: medical history, just straight.

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Speaker 2: On the post. We never do. Oh ye, god, congratulations,

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Speaker 2: thank you. I do feel validated.

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Speaker 4: I know that.

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Speaker 6: Like what I was saying to my psychiatrist in like

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Speaker 6: the most chaotic and ironically like yeah, back and forth

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Speaker 6: kind of way, was I was worried that I wouldn't

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Speaker 6: be taken seriously because so many people are a kind

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Speaker 6: of realizing that they may have ADHD all at the

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Speaker 6: same time.

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Speaker 2: That's because we all do. Yeah, I think that a

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Speaker 2: lot of people do.

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Speaker 6: Yeah, I was like awful in school, but not from

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Speaker 6: lack of like, you know, intelligence or the capacity to learn.

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Speaker 6: It was purely that, like I just yeah, I think

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Speaker 6: that my brain has always worked in a certain way.

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Speaker 6: I'm glad that I finally have done something about it.

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Speaker 6: I'm like, what could I have been if I'm impressed?

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Speaker 4: I'm actually so impressed. What was your process? Like, you know,

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Speaker 4: complete side. No, I know people listening are going to

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Speaker 4: be like, oh, I've been thinking about this or you know,

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Speaker 4: I'm not sure what this looks like. And I'm no

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Speaker 4: help because I got diagnosed at like eighteen nineteen, like

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Speaker 4: I've known for my entire career.

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Speaker 2: I lied about it for.

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Speaker 4: A long time, if we're being honest, because I was

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Speaker 4: embarrassed off it and now everyone's talking about it. I

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Speaker 4: was like, oh, so it's like not the worst thing ever.

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Speaker 4: Oh okay, thank you for validating me. But how long

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Speaker 4: did it take you to get diagnosed?

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Speaker 2: So for me, I was really lucky.

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Speaker 6: I have heard the people go to psychologists like twenty

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Speaker 6: times and then go to a psychiatrist blah blah blah.

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Speaker 6: But I went to my doctor in Brunsick, East I

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Speaker 6: love her with my whole heart. And she was like,

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Speaker 6: I'll find you the cheapest psychiatrist. Didn't I didn't have

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Speaker 6: to go to a psychologist.

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Speaker 4: No, psychologists can't like diagnose anyway.

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Speaker 6: And I think that I thought that they were the

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Speaker 6: ones to refer to you, right, But they can, they can,

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Speaker 6: they can, they will. But I went to my GP

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Speaker 6: and I told her about this, and I was like,

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Speaker 6: I think I want to maybe see and then she

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Speaker 6: was like cool. She set me up an appointment with

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Speaker 6: a psychiatrist of telehealth in Tasmania. It's the cheapest that

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Speaker 6: she could find and it was.

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Speaker 2: What g six hundred out of pocket wow? Thousands wow?

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Speaker 2: And so I went to her. She referred me.

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Speaker 6: I had an appointment bing bong bang literally one appointment yesterday,

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Speaker 6: and in that same appointment he was like you you

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Speaker 6: fit criteria blah blah blah. And then so now I

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Speaker 6: have to go back to my GP when it's already

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Speaker 6: she's gonna give me something for that.

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Speaker 4: Oh, she's gonna manage you strategy.

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Speaker 2: How good? Yeah, So I think it's Yeah, it's been great.

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Speaker 2: It's a journey. It's a journey.

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Speaker 4: It's very validating knowing that it's not just you totally,

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Speaker 4: like it's yeah, I totally get that, all right, totally.

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Speaker 4: Let's jump into the episode because I would love to

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Speaker 4: talk about ADHD all day because it's like super pervy

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Speaker 4: but like your medical history like probably true, like she's

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Speaker 4: on the money vibes like it is it is.

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Speaker 2: But we won't push it. You know, sure you can

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Speaker 2: take it. Yeah, don't worry.

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Speaker 4: I'm gonna But jess, what have you pulled out of

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Speaker 4: the community this week? I feel like there's been a

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Speaker 4: lot of good money wins. I've been in that thread

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Speaker 4: this week replying and asking for pet tax.

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Speaker 2: So what have you pulled out? Alrighty?

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Speaker 5: My first win this week comes from Cat who said

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Speaker 5: she has gotten on the train. She's made about three

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Speaker 5: hundred bucks last week by selling things she no longer

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Speaker 5: needed on Facebook Marketplace. Things were selling super quickly, and

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Speaker 5: she said it's a win all round because now she

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Speaker 5: has less clutter as well, which we love. Next, I've

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Speaker 5: got money win from Katie who said it's that time

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Speaker 5: of year where a cost co membership is one hundred

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Speaker 5: and thirty dollars for executive, but you can get cash

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Speaker 5: back on it to reduce the cost of your annual fee,

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Speaker 5: which is not something I'd ever thought about looking for.

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Speaker 5: If you're someone who has a cost Co membership, apparently

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Speaker 5: you can access cash back to reduce it.

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Speaker 4: Really one hundred and thirty dollars.

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Speaker 5: That's the executive membership, which, if I'm being honest, I

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Speaker 5: don't really know what that means.

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Speaker 4: That sounds bougie for somebody shopping at She's goad.

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Speaker 5: All that is sixty five dollars for a normal oh,

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Speaker 5: with no incentives paid off. So I'm not too sure.

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Speaker 5: I'm not entirely sure. But she said she got ninety

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Speaker 5: six dollars cash back. Oh okay, I don't know.

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Speaker 2: So maybe that from one thirty that's a good deal. Yeah,

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Speaker 2: so of that look to know, I'm a little skimned

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Speaker 2: on the details.

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Speaker 5: But all I'm saying is you have a cost Co membership,

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Speaker 5: or you want to look into a cost Co membership.

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Speaker 2: Now it's the time to shine.

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Speaker 5: Yeah, I have a look for some cash back because

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Speaker 5: that's a great deal to me. Next, I've got a

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Speaker 5: money win from Meil who said she's trying to make

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Speaker 5: an extra thousand dollars by Christmas. Guys, there's only ninety

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Speaker 5: two days until Christmas. I'm sure.

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Speaker 2: Yeah, that's disgusting, just for go to get about it.

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Speaker 2: The Christmas decoration throughout the shops.

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Speaker 5: So do as Mal is doing, Start thinking, start saving

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Speaker 5: if you haven't already. She said, She's banked two hundred

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Speaker 5: and seventy three bucks this week from a combo of

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Speaker 5: marketplace sales and surveys.

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Speaker 4: I'm going to railroad this completely. Should we be inspired

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Speaker 4: by Meil and get a like one thousand dollars saving

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Speaker 4: tracker up so that people can save one thousand dollars

349
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Speaker 4: before Christmas? Definitely, they even work towards it, Like we're

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Speaker 4: not talking like, you know, make a savings plan and

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Speaker 4: just direct debit it, like we're gonna find it, we're

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Speaker 4: gonna hustle it up, we're gonna like depop it, we're

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Speaker 4: gonna Facebook marketplace that, we're gonna do some surveys like

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Speaker 4: but we'll all try and get to one thousand dollars

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Speaker 4: before Christmas. And even if you don't get to one

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Speaker 4: thousand dollars and you're only able to find fifty bucks,

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Speaker 4: like that's fifty dollars you didn't have before Christmas, and

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Speaker 4: like that's gonna help too.

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Speaker 2: So true that's actually great.

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Speaker 4: I am going to get a little sheet together. We're

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Speaker 4: going to do this and it will be in our

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Speaker 4: Facebook group today.

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Speaker 2: There you go.

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Speaker 5: Everybody's going to have a little look sie for that

365
00:15:12,720 --> 00:15:15,400
Speaker 5: because it'll be here before you know it. Next, I've

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Speaker 5: got a money win from Shanade who said money win.

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Speaker 5: My local fruit market had a case of jam strawberries,

368
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Speaker 5: which is eighteen punnets for ten dollars. What she picked

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Speaker 5: the best punnets for fresh eating and then made a

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Speaker 5: batch with the rest of homemade jam.

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Speaker 2: That's so cute.

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Speaker 4: Also coming into Christmas, so that would be a really

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Speaker 4: cute present. Yeah, that's quite Cutely imagine if someone gifted

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Speaker 4: your homemade jam.

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Speaker 2: That was so sweet?

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Speaker 5: Yeah?

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Speaker 2: Literally, Also ever made jam?

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Speaker 4: Maybe I should make jam?

379
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Speaker 6: Yeah, I think we should be making jams because it's

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Speaker 6: like it's such a sweet gesture, isn't It's like you're

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Speaker 6: over the.

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Speaker 3: Stove, yeah, for hours.

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Speaker 5: And the little jars are so cute. So you can

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Speaker 5: make a little label strawberries.

385
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Speaker 4: I love cheap money win, but like, do we have

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Speaker 4: faced jams? I'm a raspberry kind of goal.

387
00:16:03,040 --> 00:16:05,280
Speaker 2: I'm strawberry, Yeah, strawberry as well.

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Speaker 4: See we always have strawberry and raspberry in my house

389
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Speaker 4: because I always have raspberry and my husband's like el

390
00:16:09,800 --> 00:16:11,320
Speaker 4: raspberry only eats strawberry.

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Speaker 2: The chunks freak me out. All of it freaks me out.

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Speaker 5: Or if you had something a little left of center

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Speaker 5: of BlackBerry jam, it's.

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Speaker 4: Quite nice, Okay, but that's really expecs pineapple can't really find.

395
00:16:24,800 --> 00:16:28,280
Speaker 2: It's like favorite, but she's like one thousand years old.

396
00:16:29,000 --> 00:16:30,800
Speaker 2: You leave her alone.

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Speaker 5: You cake whatever you want, buy it cheap, make the jam,

398
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Speaker 5: you preserve it a last start now and by Christmas

399
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Speaker 5: you'll have had plenty of time to make them all.

400
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Speaker 2: Yes out of ten. Love that. That's a great one.

401
00:16:42,240 --> 00:16:44,200
Speaker 5: And lastly, this week I have money win from Emma

402
00:16:44,240 --> 00:16:46,760
Speaker 5: who said it's a current money loss, but a future

403
00:16:46,760 --> 00:16:49,680
Speaker 5: money win. She said, thanks to she's in the money

404
00:16:49,680 --> 00:16:51,600
Speaker 5: and listening to the show, she became aware of the

405
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Speaker 5: hit that her superannuation took when she took a year

406
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Speaker 5: off of work for maternity leave. So she worked out

407
00:16:58,120 --> 00:17:00,160
Speaker 5: what she would have added to her to be she

408
00:17:00,280 --> 00:17:03,160
Speaker 5: had been working during that time, and she's working at

409
00:17:03,240 --> 00:17:06,719
Speaker 5: effectively paying it back. So she's just started doing it

410
00:17:06,720 --> 00:17:09,560
Speaker 5: with pre tax contributions through her work, as well as

411
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Speaker 5: chucking any extra money in like a tax return and

412
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Speaker 5: stuff like that, and she's going to keep working await

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Speaker 5: until she pays back that full year.

414
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Speaker 2: I'm obsessed. Yeah, what a queen.

415
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Speaker 4: Can you imagine how far ahead she's going to be

416
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Speaker 4: when she retires, Like, just oh, the impact of that.

417
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Speaker 4: And I know that she probably calculated and was like,

418
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Speaker 4: all right, so you know with twelve months off, you know,

419
00:17:28,400 --> 00:17:31,760
Speaker 4: the average person you know probably contributes anywhere between six

420
00:17:31,800 --> 00:17:35,320
Speaker 4: and ten thousand dollars to Super each year. Like you go, oh,

421
00:17:35,400 --> 00:17:38,480
Speaker 4: maybe that's not the biggest deal ever, but that could

422
00:17:38,520 --> 00:17:42,960
Speaker 4: compound over your lifestyle, that could compound over your lifetime,

423
00:17:43,080 --> 00:17:45,080
Speaker 4: and by the time you retire, it's probably worth more

424
00:17:45,080 --> 00:17:47,840
Speaker 4: than one hundred grand. Like, can you imagine being like

425
00:17:47,960 --> 00:17:50,760
Speaker 4: beck by making a decision today, you're gonna have like

426
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Speaker 4: another six figures in your Super.

427
00:17:52,600 --> 00:17:55,440
Speaker 2: Yeah, you're just so signy well done. I love this.

428
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Speaker 2: I love it.

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Speaker 5: That's it for me this week.

430
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Speaker 4: All right, Well, the tables are turning back.

431
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Speaker 2: It is your time to shine. What are you broke tears?

432
00:18:03,680 --> 00:18:05,439
Speaker 2: What are you bringing to the table? Okay, so I

433
00:18:05,440 --> 00:18:07,040
Speaker 2: notice a bit rogue, but I do have one from

434
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Speaker 2: the car. I did not see this.

435
00:18:11,840 --> 00:18:14,840
Speaker 6: For surprises, one from the community that's new, one for

436
00:18:14,960 --> 00:18:17,680
Speaker 6: myself that's like semi new. And then I also thought,

437
00:18:17,720 --> 00:18:20,320
Speaker 6: because a few people email me or sorry, I should

438
00:18:20,359 --> 00:18:23,040
Speaker 6: say message me. Email is very I don't know it's

439
00:18:23,080 --> 00:18:27,080
Speaker 6: still current. Anyway, someone messaged me about a few things

440
00:18:27,080 --> 00:18:28,800
Speaker 6: that I have mentioned before, so I thought i'd just

441
00:18:28,840 --> 00:18:33,320
Speaker 6: give them a shout out as a combined community broke.

442
00:18:35,240 --> 00:18:36,480
Speaker 2: You know what, it's your segment.

443
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Speaker 4: You do whatever makes your heart happy.

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Speaker 2: Thank you so much.

445
00:18:40,119 --> 00:18:44,159
Speaker 6: So this one comes from a multitude of people, so Libby.

446
00:18:44,240 --> 00:18:49,120
Speaker 6: As we have mentioned, it's a audiobook subscription from your

447
00:18:49,200 --> 00:18:51,440
Speaker 6: local library free audiobooks.

448
00:18:51,560 --> 00:18:53,880
Speaker 2: Great, great Great. I do want to also give another

449
00:18:53,880 --> 00:18:55,040
Speaker 2: shout out to eat club.

450
00:18:55,080 --> 00:18:56,480
Speaker 6: I know it's been a while since I mentioned it,

451
00:18:56,520 --> 00:18:58,360
Speaker 6: but a club is an app where you can you'll

452
00:18:58,400 --> 00:19:00,400
Speaker 6: be able to put your location in there. It will

453
00:19:00,440 --> 00:19:04,760
Speaker 6: search for cheap specials around you from like you know, restaurants,

454
00:19:04,760 --> 00:19:07,119
Speaker 6: take away all this stuff like really cheap food. Great

455
00:19:07,119 --> 00:19:09,480
Speaker 6: great great. Those are the main two I wanted to mention,

456
00:19:09,720 --> 00:19:11,920
Speaker 6: So I'm gonna there are a few others in here

457
00:19:11,960 --> 00:19:14,200
Speaker 6: that have popped up a few times, but I'll save

458
00:19:14,320 --> 00:19:15,760
Speaker 6: those for next week.

459
00:19:16,800 --> 00:19:17,119
Speaker 2: Now.

460
00:19:17,320 --> 00:19:21,920
Speaker 6: The new one we have comes from Maddie. Maddie says,

461
00:19:22,040 --> 00:19:24,400
Speaker 6: the more air that's in your fuel tank, the fast

462
00:19:24,480 --> 00:19:26,760
Speaker 6: you petrol will evaporate. So to get most out of

463
00:19:26,840 --> 00:19:29,720
Speaker 6: your fuel, regularly top it up rather than letting it

464
00:19:29,800 --> 00:19:31,720
Speaker 6: drop to almost empty. I did hear about this once

465
00:19:31,840 --> 00:19:34,480
Speaker 6: years ago. I was like, oh, it makes sense if

466
00:19:34,920 --> 00:19:40,680
Speaker 6: if there's more in there, yeah, tank, I mean, I'm

467
00:19:40,760 --> 00:19:43,920
Speaker 6: happy to save money. And it's always like rogue things

468
00:19:44,560 --> 00:19:47,000
Speaker 6: like that where don't get me wrong. I feel like

469
00:19:47,200 --> 00:19:50,600
Speaker 6: in this economy, anyone who has a full petrol tank is.

470
00:19:50,640 --> 00:19:51,600
Speaker 2: To check their privilege.

471
00:19:51,880 --> 00:19:54,919
Speaker 4: Like, if you're filling up your entire tank, like you

472
00:19:55,000 --> 00:19:58,439
Speaker 4: must be financially doing much better than most people. Totally,

473
00:19:58,480 --> 00:20:00,879
Speaker 4: Like that's a good position to be. But if you

474
00:20:00,920 --> 00:20:04,119
Speaker 4: can build it up over time and then you know,

475
00:20:04,440 --> 00:20:06,959
Speaker 4: consistently I had ten or twenty dollars worth of fuel

476
00:20:07,000 --> 00:20:09,720
Speaker 4: as you go, but try and keep it up instead

477
00:20:09,720 --> 00:20:11,440
Speaker 4: of letting it go all the way down to when

478
00:20:11,480 --> 00:20:13,440
Speaker 4: it dings at you and you're like, I know you're

479
00:20:13,480 --> 00:20:16,600
Speaker 4: not done. I know you're not done. I see you

480
00:20:16,760 --> 00:20:19,000
Speaker 4: had to put fuel in me, but I know there's

481
00:20:19,000 --> 00:20:21,640
Speaker 4: at least fifty k's there. I can see you.

482
00:20:21,880 --> 00:20:23,439
Speaker 5: I was laughing when you were saying it, because I

483
00:20:23,480 --> 00:20:27,440
Speaker 5: consistently will drive on zero like I have because r

484
00:20:27,480 --> 00:20:30,919
Speaker 5: ACV like three times because I see, which I know

485
00:20:31,000 --> 00:20:32,399
Speaker 5: is really bad for your Cartlets don't company.

486
00:20:32,440 --> 00:20:34,080
Speaker 2: But like I was just having a little gigle.

487
00:20:34,680 --> 00:20:37,240
Speaker 6: I was like in my mind, I was like, I

488
00:20:37,280 --> 00:20:40,000
Speaker 6: think my eyes are playing like one of them probably

489
00:20:40,200 --> 00:20:41,760
Speaker 6: sometimes looks bigger than the other one I'm reading.

490
00:20:41,800 --> 00:20:45,840
Speaker 2: I was like, Jess is laughing at my looking at

491
00:20:45,880 --> 00:20:46,840
Speaker 2: your no.

492
00:20:46,960 --> 00:20:50,320
Speaker 5: I was just literally imagine like remembering last week when

493
00:20:50,359 --> 00:20:52,480
Speaker 5: I drove like all the way to the city of zero,

494
00:20:54,440 --> 00:20:55,280
Speaker 5: living life.

495
00:20:55,040 --> 00:20:55,600
Speaker 2: On the edge.

496
00:20:56,040 --> 00:20:59,320
Speaker 4: Also, like that's from somebody who I know has a

497
00:20:59,440 --> 00:21:00,960
Speaker 4: very good in cash flow.

498
00:21:01,040 --> 00:21:01,359
Speaker 2: Sister.

499
00:21:01,440 --> 00:21:03,680
Speaker 5: Yes, it's like shocked that this is coming from me,

500
00:21:03,880 --> 00:21:06,000
Speaker 5: Like of all people I know, she's got the cash

501
00:21:06,000 --> 00:21:06,520
Speaker 5: for her fuel.

502
00:21:06,720 --> 00:21:09,240
Speaker 4: It's been set aside for the last six years.

503
00:21:09,560 --> 00:21:11,720
Speaker 6: I know, it's been totally You never go to the

504
00:21:11,960 --> 00:21:13,720
Speaker 6: petrol station with like you know how it says like

505
00:21:13,760 --> 00:21:16,080
Speaker 6: a minimum two leaders. Yeah, so many times I've done

506
00:21:16,080 --> 00:21:18,560
Speaker 6: that minimum two leaders. It has been like two dollars

507
00:21:18,640 --> 00:21:20,159
Speaker 6: twenty five cents, and I have it in the and

508
00:21:20,160 --> 00:21:22,359
Speaker 6: I have to walk up and be like, I always

509
00:21:22,400 --> 00:21:23,400
Speaker 6: left my wallet at home.

510
00:21:23,600 --> 00:21:25,160
Speaker 2: Really, I just this is all I wanted.

511
00:21:25,200 --> 00:21:28,760
Speaker 6: This is like, so if you need to pop up

512
00:21:28,800 --> 00:21:31,120
Speaker 6: your fuel one time, if you have the money one time,

513
00:21:31,320 --> 00:21:31,920
Speaker 6: and then just.

514
00:21:32,080 --> 00:21:34,960
Speaker 2: Try and keep go there with like five bucks, just

515
00:21:34,960 --> 00:21:36,080
Speaker 2: try and keep it up top.

516
00:21:36,480 --> 00:21:38,760
Speaker 6: So that way, it's also good for an emergency because

517
00:21:38,760 --> 00:21:40,800
Speaker 6: you're like, oh, I have no money this week, You're like, cool,

518
00:21:40,840 --> 00:21:42,159
Speaker 6: I actually have a full taker petrol.

519
00:21:42,240 --> 00:21:43,919
Speaker 2: So it's like it's a double twin win.

520
00:21:44,200 --> 00:21:46,600
Speaker 4: One thing that I will say has been helpful for

521
00:21:46,720 --> 00:21:49,000
Speaker 4: a few friends of mine who are not so good at,

522
00:21:49,080 --> 00:21:51,320
Speaker 4: you know, managing their money and their budget.

523
00:21:50,960 --> 00:21:51,840
Speaker 2: And their cash flow.

524
00:21:52,560 --> 00:21:55,879
Speaker 4: I've got a girlfriend who whenever she has some extra

525
00:21:55,920 --> 00:21:58,399
Speaker 4: cash in her bank account, because she just knows that

526
00:21:58,480 --> 00:22:00,359
Speaker 4: she's going to blow through it. I feel like she

527
00:22:00,400 --> 00:22:03,199
Speaker 4: gives beck vibes like she just and that's not a

528
00:22:03,200 --> 00:22:05,520
Speaker 4: bad thing. You just have to be aware of how

529
00:22:05,520 --> 00:22:08,439
Speaker 4: you're managing money. If she goes to the checkout, she

530
00:22:08,560 --> 00:22:11,040
Speaker 4: also buys a gift card for like ten or twenty

531
00:22:11,080 --> 00:22:14,280
Speaker 4: dollars and sticks it in her center console so that

532
00:22:14,359 --> 00:22:17,919
Speaker 4: when the time comes and she knows she can't afford fuel,

533
00:22:18,040 --> 00:22:19,919
Speaker 4: or she doesn't have cash in the bank. She's like,

534
00:22:20,160 --> 00:22:22,440
Speaker 4: I know, there's maybe like twenty or thirty dollars with

535
00:22:22,800 --> 00:22:25,600
Speaker 4: gift cards that I can use to pay.

536
00:22:25,359 --> 00:22:27,240
Speaker 2: For fuel in my center console.

537
00:22:27,520 --> 00:22:30,280
Speaker 4: So like that, I feel like it's a good little hack. Yeah,

538
00:22:30,520 --> 00:22:32,920
Speaker 4: it's not necessarily going to save you heaps of money,

539
00:22:32,920 --> 00:22:34,920
Speaker 4: but if you're the type of person that just runs

540
00:22:34,920 --> 00:22:37,600
Speaker 4: your bank account into the ground and you're always struggling

541
00:22:37,640 --> 00:22:40,640
Speaker 4: to keep the fuel going, that might be a hack

542
00:22:40,720 --> 00:22:41,600
Speaker 4: that works for you.

543
00:22:41,640 --> 00:22:44,240
Speaker 2: Totally. I think that's a really really good idea.

544
00:22:44,359 --> 00:22:46,159
Speaker 4: You can just hide it away and then you forget

545
00:22:46,160 --> 00:22:48,440
Speaker 4: about it, and then when you're desperate, you're like, good.

546
00:22:48,280 --> 00:22:50,480
Speaker 2: Oh my god, there is actually ten bucks there, Like

547
00:22:50,680 --> 00:22:53,320
Speaker 2: how good is that good? When that happens? And then

548
00:22:53,440 --> 00:22:56,600
Speaker 2: my one comes from myself an indie.

549
00:22:56,600 --> 00:22:59,280
Speaker 6: You guys are he'll love You'll in producer every now

550
00:22:59,320 --> 00:23:01,399
Speaker 6: and then she was talking about bi carb. I have

551
00:23:01,480 --> 00:23:03,320
Speaker 6: mentioned by car before that she was talking about how

552
00:23:03,320 --> 00:23:05,840
Speaker 6: she had like I don't want to shame her, but

553
00:23:05,920 --> 00:23:08,879
Speaker 6: she had an odor in her laund room, so she

554
00:23:08,920 --> 00:23:10,080
Speaker 6: put some bike carb on the lounge.

555
00:23:10,200 --> 00:23:12,840
Speaker 4: Indy, how's your stinky lounge, stinky.

556
00:23:12,520 --> 00:23:13,200
Speaker 2: Lound room going?

557
00:23:14,520 --> 00:23:16,720
Speaker 6: And She put it on her carpet on the lounge

558
00:23:16,800 --> 00:23:20,320
Speaker 6: and she just left overnight and then soaks everything, soaks

559
00:23:20,320 --> 00:23:21,919
Speaker 6: everything up, and then she just vacuumed it off and

560
00:23:21,920 --> 00:23:22,800
Speaker 6: it's completely gone.

561
00:23:22,840 --> 00:23:24,719
Speaker 2: She said. So it works for like laundry detergent.

562
00:23:24,720 --> 00:23:27,479
Speaker 6: You chuck some essential oils in with the laundry and

563
00:23:27,520 --> 00:23:29,720
Speaker 6: your bi car, but that's all you need. It's a

564
00:23:29,720 --> 00:23:32,959
Speaker 6: good carpet cleaner, lounge cleaner, turns out car cleaner. Everything

565
00:23:33,000 --> 00:23:34,840
Speaker 6: like it is off walls as well.

566
00:23:36,600 --> 00:23:38,520
Speaker 2: Yes, and you chuck some lemon in there, you clean

567
00:23:38,560 --> 00:23:41,199
Speaker 2: your sink and all that kind of stuff. God's great,

568
00:23:41,400 --> 00:23:43,000
Speaker 2: but I know that are.

569
00:23:42,880 --> 00:23:46,480
Speaker 4: Good for cleaning like fabrics and carpets and stuff. Yes,

570
00:23:46,560 --> 00:23:49,240
Speaker 4: comes up on my TikTok for you page all the time.

571
00:23:49,320 --> 00:23:49,920
Speaker 3: All the time.

572
00:23:50,280 --> 00:23:53,720
Speaker 4: Speaking of TikTok, Actually this is like a it's not

573
00:23:53,760 --> 00:23:56,359
Speaker 4: a segment, but it might become a segment. It's things.

574
00:23:56,440 --> 00:23:57,280
Speaker 2: Victoria d m.

575
00:23:57,320 --> 00:24:01,080
Speaker 4: To Jessica this week, I love that, And it's always rogue.

576
00:24:01,119 --> 00:24:03,439
Speaker 4: It might be about racket club, it might be about

577
00:24:03,480 --> 00:24:07,600
Speaker 4: saving some money. This week it was about tubleware, because

578
00:24:07,880 --> 00:24:10,600
Speaker 4: we've seen all over the news that tupleware has gone

579
00:24:10,600 --> 00:24:14,520
Speaker 4: into liquidation in the us in the US, We do you.

580
00:24:14,440 --> 00:24:15,399
Speaker 2: Mean that's rand.

581
00:24:15,960 --> 00:24:19,240
Speaker 4: Yeah, the brandy that's obviously going to filter down to

582
00:24:19,359 --> 00:24:22,680
Speaker 4: Australia in some way, shape or form. And I think

583
00:24:22,720 --> 00:24:26,560
Speaker 4: it is because my TikTok for You page is full

584
00:24:26,600 --> 00:24:30,080
Speaker 4: of girls going to the reject shop and buying tubleware

585
00:24:30,080 --> 00:24:33,919
Speaker 4: containers for like three dollars fifty four dollars fifty like

586
00:24:34,040 --> 00:24:37,600
Speaker 4: reasonable prices. And I wanted to mention it because I

587
00:24:37,640 --> 00:24:40,199
Speaker 4: feel like when you're trying to save money, you're always

588
00:24:40,200 --> 00:24:43,480
Speaker 4: buying the cheap things, like you might buy cheap Kmart

589
00:24:43,560 --> 00:24:46,640
Speaker 4: tublewear containers that don't get me wrong, nothing wrong with them,

590
00:24:46,920 --> 00:24:50,480
Speaker 4: but we all know that they don't last. Jessica a

591
00:24:50,480 --> 00:24:52,560
Speaker 4: couple of weeks ago. A couple of weeks ago, we're

592
00:24:52,600 --> 00:24:58,919
Speaker 4: telling me a lot. Yeah, it's interest in our community.

593
00:24:59,119 --> 00:25:00,359
Speaker 2: Tell me about your ask cooker.

594
00:25:00,480 --> 00:25:03,120
Speaker 5: So I have a rice cooker that it's like, it's

595
00:25:03,200 --> 00:25:05,440
Speaker 5: really cool. It's a tupware contraption. You put it in

596
00:25:05,480 --> 00:25:07,440
Speaker 5: your microwave. It's take you cook christ genius. I've never

597
00:25:07,440 --> 00:25:09,600
Speaker 5: once know that's like, I've cooked rice on my stove

598
00:25:09,680 --> 00:25:11,840
Speaker 5: once and I've burnt it. So love this thing. But

599
00:25:11,920 --> 00:25:16,840
Speaker 5: I got it from my mum's friends mule you splong

600
00:25:16,880 --> 00:25:19,600
Speaker 5: to my mum's friend's mumy she's rolled. Yeah, she's been

601
00:25:19,680 --> 00:25:22,160
Speaker 5: some star generation of women to own this tubeway of rice.

602
00:25:22,400 --> 00:25:22,640
Speaker 1: Wow.

603
00:25:22,840 --> 00:25:24,480
Speaker 5: Still works like a treat and it goes to the

604
00:25:24,520 --> 00:25:26,440
Speaker 5: micwave at least three times a week.

605
00:25:26,560 --> 00:25:29,919
Speaker 4: But even though we don't love how expensive Tupeway usually is,

606
00:25:29,920 --> 00:25:32,560
Speaker 4: Like we're talking like thirty forty dollars a container, Like

607
00:25:32,720 --> 00:25:35,600
Speaker 4: it's insane, Like I would never purchase at full price,

608
00:25:35,880 --> 00:25:37,840
Speaker 4: but you're telling me it's like three dollars fifty or

609
00:25:37,840 --> 00:25:41,440
Speaker 4: four dollars fifty or whatever. At the reject shop right now,

610
00:25:41,720 --> 00:25:43,520
Speaker 4: I can buy some stuff that I'm going to have

611
00:25:43,760 --> 00:25:46,040
Speaker 4: that can go through the dishwasher that's not going to.

612
00:25:46,040 --> 00:25:46,760
Speaker 2: Break or crack.

613
00:25:46,920 --> 00:25:50,000
Speaker 4: Like money win. If you're looking to buy some tupware

614
00:25:50,119 --> 00:25:51,920
Speaker 4: that is good quality.

615
00:25:51,880 --> 00:25:54,159
Speaker 2: And that's going to last, Yes, and I feel like

616
00:25:54,119 --> 00:25:57,400
Speaker 2: that's all colors. Yeah, Real Cues exactly.

617
00:25:57,800 --> 00:26:01,959
Speaker 6: Had not a single clue Tupperware was not universally called

618
00:26:02,000 --> 00:26:03,479
Speaker 6: Tupwaar Topway is the brand.

619
00:26:03,720 --> 00:26:06,000
Speaker 5: Have you seen those posts where it runs you through

620
00:26:06,080 --> 00:26:07,920
Speaker 5: like all the things that we call.

621
00:26:08,440 --> 00:26:13,480
Speaker 2: So it's like, yeah, glad Rap's a good one. Yeah, avel.

622
00:26:13,640 --> 00:26:20,040
Speaker 2: Glad Rap is not glad Rap film. Really it's a cooler.

623
00:26:19,800 --> 00:26:22,760
Speaker 5: But we call like especially Ozzie's called them Esquesski's the brand.

624
00:26:22,800 --> 00:26:25,520
Speaker 5: There's a there's a post was tiktokal Instagram, but it

625
00:26:25,520 --> 00:26:28,480
Speaker 5: broke down a bunch of it was so interesting. Anyway, Yeah,

626
00:26:28,560 --> 00:26:30,320
Speaker 5: your financial Yeah, let's go to a break.

627
00:26:30,440 --> 00:26:31,199
Speaker 2: Just consend you that.

628
00:26:31,320 --> 00:26:33,080
Speaker 4: And on the flip side, we're going to be talking

629
00:26:33,119 --> 00:26:36,280
Speaker 4: about paying for your egg freezing, how to do that,

630
00:26:36,320 --> 00:26:38,600
Speaker 4: what that looks like, and we're going to talk about

631
00:26:38,600 --> 00:26:40,639
Speaker 4: something a little bit spicier that you slid into our

632
00:26:40,720 --> 00:26:42,960
Speaker 4: DMS about this week, we're going to be answering the

633
00:26:43,040 --> 00:26:45,919
Speaker 4: question about whether you should be buying property with a

634
00:26:45,960 --> 00:26:48,879
Speaker 4: family member or not. So guys, don't go anywhere.

635
00:26:52,880 --> 00:26:55,240
Speaker 5: Welcome back everyone. Let's take a listen to this week's

636
00:26:55,240 --> 00:26:56,000
Speaker 5: money dilemma.

637
00:26:58,200 --> 00:27:00,560
Speaker 4: Hi, there, have you got a money to you just

638
00:27:00,600 --> 00:27:03,120
Speaker 4: can't solve that. She's on the Money Team is here

639
00:27:03,160 --> 00:27:06,400
Speaker 4: to help. Every week we tackle your dilemmas, both big

640
00:27:06,440 --> 00:27:09,199
Speaker 4: and small, to answer your most burning money, career and

641
00:27:09,240 --> 00:27:12,400
Speaker 4: life questions. To get involved, simply head to our website

642
00:27:12,440 --> 00:27:14,560
Speaker 4: and leave us a short voice recording and you might

643
00:27:14,640 --> 00:27:17,159
Speaker 4: just find yourself on the show. Now, let's take a

644
00:27:17,200 --> 00:27:21,240
Speaker 4: listen to this week's money dilemma.

645
00:27:21,400 --> 00:27:24,240
Speaker 7: Hi, she's on the Money team. I'm in a little

646
00:27:24,280 --> 00:27:26,480
Speaker 7: bit of a pickle and I wanted to get your thoughts.

647
00:27:27,160 --> 00:27:30,480
Speaker 7: So I'm about to start doing a creezing for medical reasons,

648
00:27:30,760 --> 00:27:33,960
Speaker 7: and my doctor is thinking I'm going to need at

649
00:27:34,040 --> 00:27:36,359
Speaker 7: least two rounds to get the result that we're hoping

650
00:27:36,440 --> 00:27:40,359
Speaker 7: for with this. Each round is about twelve thousand dollars

651
00:27:40,440 --> 00:27:44,520
Speaker 7: each before I get any rebates back. My partner is

652
00:27:44,560 --> 00:27:47,320
Speaker 7: paying half because we're a team and we're doing this

653
00:27:47,359 --> 00:27:51,200
Speaker 7: for our future. So what I'm trying to weigh up

654
00:27:51,400 --> 00:27:54,080
Speaker 7: is do I take it out of my super and

655
00:27:54,280 --> 00:27:58,080
Speaker 7: put it back in as my rebates come in and

656
00:27:58,160 --> 00:28:01,080
Speaker 7: as a salary sacrifice to make it up, I do

657
00:28:01,200 --> 00:28:04,320
Speaker 7: have over one hundred thousand dollars in my super. Or

658
00:28:05,040 --> 00:28:07,520
Speaker 7: do I take out a twelvemonth interest free loan that

659
00:28:07,560 --> 00:28:11,400
Speaker 7: I'm eligible for, but then that also pushes us back

660
00:28:11,680 --> 00:28:14,720
Speaker 7: finally having a holiday next year. So I wanted to

661
00:28:14,720 --> 00:28:17,719
Speaker 7: get your thoughts and the pros and cons. Thanks.

662
00:28:18,040 --> 00:28:21,480
Speaker 4: I have like technical things to add about that, But

663
00:28:21,560 --> 00:28:22,639
Speaker 4: what do you guys think?

664
00:28:23,440 --> 00:28:26,879
Speaker 6: Well, I just know that I have a friend who

665
00:28:27,320 --> 00:28:28,760
Speaker 6: works in super and always.

666
00:28:28,480 --> 00:28:31,000
Speaker 2: Says, never take your money out of super.

667
00:28:30,920 --> 00:28:32,680
Speaker 4: Did you listen to your friend who said never take

668
00:28:32,680 --> 00:28:34,560
Speaker 4: your money out of super when you took your money

669
00:28:34,560 --> 00:28:35,240
Speaker 4: out of Superman?

670
00:28:36,040 --> 00:28:40,000
Speaker 6: I did not listen to my friend. And now, well,

671
00:28:40,000 --> 00:28:42,000
Speaker 6: I'm not kicking myself yet, but I do know, you know,

672
00:28:42,120 --> 00:28:45,560
Speaker 6: compound interests, all this other stuff, it will eventually be well,

673
00:28:45,560 --> 00:28:48,000
Speaker 6: work it at different, thank you so much, It'll be fun.

674
00:28:48,200 --> 00:28:52,120
Speaker 2: But at the same time, I don't know.

675
00:28:52,800 --> 00:28:55,280
Speaker 6: I think that I would both personally go the loan,

676
00:28:55,320 --> 00:28:58,120
Speaker 6: but I thinks I'm also not very Why would you.

677
00:28:58,080 --> 00:29:00,400
Speaker 2: Go the loan though, like work shopping?

678
00:29:00,400 --> 00:29:02,560
Speaker 4: It not because I'm like, oh, give advice back, like,

679
00:29:02,600 --> 00:29:05,600
Speaker 4: and it's not to make totally totally silly either, it's

680
00:29:05,640 --> 00:29:07,840
Speaker 4: literally like why would you do that? Because obviously she's

681
00:29:07,880 --> 00:29:10,000
Speaker 4: having this thought process as well, like why would she

682
00:29:10,040 --> 00:29:11,720
Speaker 4: be weighing it up if she didn't see value in it?

683
00:29:11,760 --> 00:29:12,600
Speaker 2: Of course, I.

684
00:29:12,480 --> 00:29:15,680
Speaker 6: Think like interest free always gets me hook line and sinker.

685
00:29:15,800 --> 00:29:17,360
Speaker 2: I'm not even questioning anything, which.

686
00:29:17,160 --> 00:29:19,640
Speaker 6: Is really bad, but I'm like cool interest free. It's like,

687
00:29:19,960 --> 00:29:22,280
Speaker 6: I have the money that I like, if I could

688
00:29:22,800 --> 00:29:25,920
Speaker 6: save a thousand dollars. For example, in five weeks, which.

689
00:29:25,760 --> 00:29:29,479
Speaker 4: We're going to before Christmas our savings challenge, which I'm

690
00:29:29,520 --> 00:29:30,280
Speaker 4: super stoked about.

691
00:29:30,280 --> 00:29:32,440
Speaker 6: Anyway, I'm going to try to do that, and I

692
00:29:32,680 --> 00:29:35,440
Speaker 6: five weeks, I saved one thousand dollars. It's like that

693
00:29:35,560 --> 00:29:38,320
Speaker 6: future me that has that money in that amount of

694
00:29:38,360 --> 00:29:40,680
Speaker 6: time is just I'm just getting all that now, and

695
00:29:40,720 --> 00:29:42,440
Speaker 6: I'm like paying, you know what I mean? It feels

696
00:29:42,520 --> 00:29:45,080
Speaker 6: like if there's no interest, it feels like it's I'm

697
00:29:45,120 --> 00:29:49,280
Speaker 6: borrowing from the savings that I would have saved from myself.

698
00:29:49,400 --> 00:29:50,080
Speaker 2: Do you know what I mean?

699
00:29:50,120 --> 00:29:53,320
Speaker 4: No, I totally get it. So Super does feel like

700
00:29:53,680 --> 00:29:55,360
Speaker 4: more complicated.

701
00:29:54,800 --> 00:29:57,480
Speaker 6: Yeah, because like interest, it's growing interest while it's in

702
00:29:57,520 --> 00:29:58,120
Speaker 6: there or something.

703
00:29:58,200 --> 00:30:00,680
Speaker 2: And so I'm like, I maybe I want to leave that.

704
00:30:00,880 --> 00:30:01,240
Speaker 1: I don't know.

705
00:30:01,280 --> 00:30:03,400
Speaker 4: Agreed, Agreed, Jess, how are you feeling about it?

706
00:30:03,440 --> 00:30:04,200
Speaker 2: I actually agree.

707
00:30:04,240 --> 00:30:08,000
Speaker 5: I think for me the cost benefit is, you know, obviously,

708
00:30:08,040 --> 00:30:09,840
Speaker 5: when you take the money out of Super, depending on

709
00:30:09,880 --> 00:30:11,160
Speaker 5: how long it takes you to pay it back, Let's

710
00:30:11,200 --> 00:30:13,080
Speaker 5: assume that it's on the same timeline. So taking out

711
00:30:13,120 --> 00:30:15,959
Speaker 5: interest free your card for a YAR versus having your

712
00:30:16,000 --> 00:30:18,720
Speaker 5: money out of Super free YAR generally speaking with the

713
00:30:18,720 --> 00:30:22,000
Speaker 5: interest free card, assuming you are responsible enough to pay

714
00:30:22,000 --> 00:30:23,560
Speaker 5: it back, because I've had an interest free card and

715
00:30:23,560 --> 00:30:25,760
Speaker 5: I didn't pay any extra money when I had that.

716
00:30:26,280 --> 00:30:28,760
Speaker 5: Assuming you are responsible and you will pay it back

717
00:30:28,800 --> 00:30:31,280
Speaker 5: on time, generally speaking, you just pay like an annual

718
00:30:31,360 --> 00:30:34,160
Speaker 5: or monthly fee. And I don't know if the case

719
00:30:34,200 --> 00:30:36,080
Speaker 5: for your card, but when I did it, it was

720
00:30:36,160 --> 00:30:38,840
Speaker 5: relatively nominal, and I would imagine. I mean, the way

721
00:30:38,840 --> 00:30:40,120
Speaker 5: that I would work it out is I would just

722
00:30:40,160 --> 00:30:42,680
Speaker 5: compare the approximate amount of money you would lose on

723
00:30:42,720 --> 00:30:45,440
Speaker 5: your super from compounding interest over the twelve months versus

724
00:30:45,440 --> 00:30:48,040
Speaker 5: the money you paid for the fee. My best guess though,

725
00:30:48,080 --> 00:30:51,280
Speaker 5: is that the interest free card would be cheaper, which

726
00:30:51,320 --> 00:30:53,000
Speaker 5: is why I would go for it. But it only

727
00:30:53,000 --> 00:30:54,800
Speaker 5: works if you pay it back on time, because the

728
00:30:54,880 --> 00:30:59,120
Speaker 5: interest on twenty four thousand dollars of IVF would be

729
00:30:59,280 --> 00:31:03,760
Speaker 5: I would imagine astronomical. M tell us the actual anthiaty.

730
00:31:04,880 --> 00:31:07,440
Speaker 4: There's not an actual answer, and it goes back to

731
00:31:07,440 --> 00:31:10,520
Speaker 4: what you were saying, Beck and Jess. Like Jess, you

732
00:31:10,560 --> 00:31:13,240
Speaker 4: were like, well, if you can be responsible with paying

733
00:31:13,280 --> 00:31:16,120
Speaker 4: back the interest free loan, like that's a no brainer.

734
00:31:16,200 --> 00:31:18,640
Speaker 4: But for me, the interest free loan carries a little

735
00:31:18,640 --> 00:31:21,760
Speaker 4: bit of risk, right, Like I can't guarantee what financial

736
00:31:21,840 --> 00:31:26,200
Speaker 4: position you'll be in in twelve months, and what happens if,

737
00:31:26,800 --> 00:31:29,760
Speaker 4: hypothetically these rounds are not successful and you need to

738
00:31:29,800 --> 00:31:32,280
Speaker 4: take out more and more money Because, like, I get it,

739
00:31:32,360 --> 00:31:34,560
Speaker 4: I desperately wanted kids and I was in the very

740
00:31:34,880 --> 00:31:38,560
Speaker 4: very blessed position to be able to get pregnant without intervention.

741
00:31:39,080 --> 00:31:41,520
Speaker 4: So that's a money win for me. But like I

742
00:31:41,560 --> 00:31:43,400
Speaker 4: know that if I did one round of IVF and

743
00:31:43,440 --> 00:31:45,880
Speaker 4: it wasn't successful, I'd be lining up for the next one,

744
00:31:45,960 --> 00:31:48,680
Speaker 4: Like I knew that kids were part of my journey,

745
00:31:48,920 --> 00:31:51,520
Speaker 4: So I get it. But what does that look like

746
00:31:52,000 --> 00:31:54,560
Speaker 4: long term? Like if in twelve months, and I mean

747
00:31:54,720 --> 00:31:57,160
Speaker 4: I'm probably reading into this, you're saying if you take

748
00:31:57,160 --> 00:31:59,280
Speaker 4: the loan, you might not go on a holiday, Like

749
00:31:59,600 --> 00:32:02,600
Speaker 4: I'm a you mean you don't have a massive emergency fund. Yes,

750
00:32:02,600 --> 00:32:04,920
Speaker 4: you've got one hundred thousand dollars in super Like there's

751
00:32:04,960 --> 00:32:07,600
Speaker 4: a lot to weigh up. The other thing I want

752
00:32:07,640 --> 00:32:10,000
Speaker 4: to kind of like segue off and talk about is

753
00:32:10,920 --> 00:32:14,120
Speaker 4: do you guys know why credit card companies or loan

754
00:32:14,200 --> 00:32:16,200
Speaker 4: companies offer zero percent loans?

755
00:32:16,360 --> 00:32:18,560
Speaker 5: Because they assume that people won't pay it back and

756
00:32:18,600 --> 00:32:21,080
Speaker 5: the interest. I think the interest on my interest free

757
00:32:21,080 --> 00:32:23,200
Speaker 5: card if I did jump my pay money for twenty

758
00:32:23,200 --> 00:32:26,200
Speaker 5: four percent, yeah, I think it was like about twenty percent. Ye. Wow,

759
00:32:26,640 --> 00:32:29,880
Speaker 5: again if it's on twenty something thousand dollars, that's a

760
00:32:29,920 --> 00:32:30,440
Speaker 5: lot of money.

761
00:32:30,720 --> 00:32:30,920
Speaker 1: Yeah.

762
00:32:31,040 --> 00:32:35,880
Speaker 4: So companies or institutions that lend money offer you these

763
00:32:35,920 --> 00:32:38,960
Speaker 4: interest free loans for true reasons. So Jess has hit

764
00:32:38,960 --> 00:32:42,120
Speaker 4: the nail on the head. Obviously, high interest once that

765
00:32:42,160 --> 00:32:45,920
Speaker 4: twelve month period ends, so it'll jump to like twenty percent,

766
00:32:45,920 --> 00:32:48,680
Speaker 4: which is much more than like a personal loan or

767
00:32:48,720 --> 00:32:51,320
Speaker 4: a secured loan that you might have gotten in any

768
00:32:51,360 --> 00:32:55,040
Speaker 4: other way. The other reason is customer acquisition, so they

769
00:32:55,080 --> 00:32:58,800
Speaker 4: want more customers. Obviously, getting somebody to change who they

770
00:32:58,840 --> 00:33:01,680
Speaker 4: bank with is actually big deal. Like I can almost

771
00:33:01,720 --> 00:33:04,880
Speaker 4: guarantee that most of you are currently with the bank

772
00:33:04,960 --> 00:33:08,560
Speaker 4: that you set your first bank account up with, because

773
00:33:08,600 --> 00:33:11,400
Speaker 4: why would you change to another bank unless you know,

774
00:33:11,520 --> 00:33:13,280
Speaker 4: you went to an ing or you went to an

775
00:33:13,360 --> 00:33:18,360
Speaker 4: up bank who had significant customer acquisition value, So either

776
00:33:18,400 --> 00:33:20,640
Speaker 4: you really liked the app or you had a really

777
00:33:20,720 --> 00:33:23,320
Speaker 4: high interest rate on a savings account. There was like

778
00:33:23,360 --> 00:33:25,800
Speaker 4: a reason that you changed. It wasn't just like, oh,

779
00:33:25,880 --> 00:33:28,560
Speaker 4: I probably should one day sit down and review my

780
00:33:28,640 --> 00:33:31,280
Speaker 4: banking and finance and just pick the right bank for me.

781
00:33:31,480 --> 00:33:35,480
Speaker 4: Like people don't often do that. So two reasons. One,

782
00:33:35,480 --> 00:33:38,680
Speaker 4: they'll get new clients, but they'll also probably have you

783
00:33:38,720 --> 00:33:43,480
Speaker 4: not meet that twelvemonth interest free period. There. I won't

784
00:33:43,480 --> 00:33:46,800
Speaker 4: say praying on, but I just did the fact that

785
00:33:46,840 --> 00:33:49,920
Speaker 4: people are inherently not good at managing their money, and

786
00:33:50,200 --> 00:33:53,120
Speaker 4: that's why I'm scared of these things. It's not because

787
00:33:53,280 --> 00:33:55,560
Speaker 4: that's not a good idea. And if I sat down

788
00:33:55,600 --> 00:33:57,560
Speaker 4: and I use Jess as an example, because I know

789
00:33:57,840 --> 00:33:59,560
Speaker 4: and Jess, it's not a bad thing. It's a bloody

790
00:33:59,560 --> 00:34:03,480
Speaker 4: good thing. You're so good at money management. It comes in.

791
00:34:03,800 --> 00:34:06,000
Speaker 4: I know her system because it's the one I built

792
00:34:06,000 --> 00:34:08,160
Speaker 4: if she did the money master class. But I know

793
00:34:08,280 --> 00:34:11,160
Speaker 4: your money comes in. It's either automated or she manually

794
00:34:11,200 --> 00:34:13,759
Speaker 4: goes in and transfers her cash around. I know what

795
00:34:13,800 --> 00:34:15,680
Speaker 4: that looks like. I know Jess has a really good

796
00:34:15,719 --> 00:34:18,520
Speaker 4: emergency fund. I know she's always cared about her super

797
00:34:18,880 --> 00:34:22,120
Speaker 4: Because I know her situation so deeply, I could say, Jess,

798
00:34:22,120 --> 00:34:24,040
Speaker 4: I wouldn't actually have an issue with you getting a

799
00:34:24,080 --> 00:34:26,799
Speaker 4: twelve month interest free loan for something if you knew

800
00:34:27,040 --> 00:34:29,239
Speaker 4: that you wouldn't go over budget or you wouldn't keep

801
00:34:29,239 --> 00:34:32,240
Speaker 4: adding to it, like okay, pretty much a non issue

802
00:34:32,239 --> 00:34:35,279
Speaker 4: for someone like Jess. I don't know this diarist. I

803
00:34:35,280 --> 00:34:37,200
Speaker 4: don't know who's written in. I don't know what you're

804
00:34:37,280 --> 00:34:39,239
Speaker 4: like when it comes to managing money, Like there are

805
00:34:39,280 --> 00:34:41,080
Speaker 4: a few things that kind of sent a few red

806
00:34:41,120 --> 00:34:44,759
Speaker 4: flags about the holiday, Like you said, if I take

807
00:34:44,760 --> 00:34:46,960
Speaker 4: the interest free loan, then we won't have a holiday

808
00:34:46,960 --> 00:34:50,920
Speaker 4: next year. And I'm wondering why that might be, because

809
00:34:50,960 --> 00:34:54,319
Speaker 4: if you've got a loan but you've also budgeted for

810
00:34:54,360 --> 00:34:56,400
Speaker 4: a holiday, why couldn't you go on that Is it

811
00:34:56,400 --> 00:34:58,719
Speaker 4: because you're paying it back or is it because you

812
00:34:58,760 --> 00:35:01,239
Speaker 4: know you were planning on taking loan out to go

813
00:35:01,280 --> 00:35:04,120
Speaker 4: on a holiday, Like I just there's so many things

814
00:35:04,160 --> 00:35:06,640
Speaker 4: that I want to understand. But let's pretend it's all

815
00:35:06,800 --> 00:35:09,279
Speaker 4: very cut and dry and you're in a very just situation.

816
00:35:09,719 --> 00:35:12,560
Speaker 4: You are correct, the interest free loan might make sense,

817
00:35:12,600 --> 00:35:14,719
Speaker 4: but I want you to create a plan to pay

818
00:35:14,760 --> 00:35:18,120
Speaker 4: it back, like even a savings plan from the day

819
00:35:18,200 --> 00:35:20,680
Speaker 4: that you take out that loan to smash out that.

820
00:35:20,760 --> 00:35:22,319
Speaker 2: Debt early, right.

821
00:35:22,680 --> 00:35:24,960
Speaker 4: But the other thing is, and I want to open

822
00:35:25,040 --> 00:35:28,080
Speaker 4: this conversation up and go off here, is that so

823
00:35:28,200 --> 00:35:31,279
Speaker 4: many people don't know that to pay for your fertility treatments,

824
00:35:31,360 --> 00:35:34,720
Speaker 4: you actually have access to supranuation. So for egg freezing,

825
00:35:34,800 --> 00:35:37,960
Speaker 4: for IVF, if you've got any type of health complication

826
00:35:38,080 --> 00:35:41,279
Speaker 4: that you currently can't pay for, very likely that you

827
00:35:41,280 --> 00:35:44,160
Speaker 4: could draw on your supranuation. I was saying to somebody

828
00:35:44,200 --> 00:35:46,040
Speaker 4: the other day when they were asking me about a

829
00:35:46,040 --> 00:35:47,839
Speaker 4: breast reduction, I was like, did you know you could

830
00:35:47,880 --> 00:35:50,279
Speaker 4: access your supranuation for that? And they said no, I

831
00:35:50,320 --> 00:35:53,359
Speaker 4: had no idea. And that's another reason why we need

832
00:35:53,400 --> 00:35:55,719
Speaker 4: to be having these conversations, so that you're like, uh,

833
00:35:56,040 --> 00:35:58,120
Speaker 4: maybe I'm not going to use this information, but I

834
00:35:58,200 --> 00:35:59,719
Speaker 4: might go to breakfast with a friend, or I might

835
00:35:59,760 --> 00:36:01,520
Speaker 4: catch up with a friend for a coffee and she

836
00:36:01,680 --> 00:36:04,520
Speaker 4: mentioned something and I can help her financially because I

837
00:36:04,600 --> 00:36:07,680
Speaker 4: have more knowledge, Like knowledge is power, and the more

838
00:36:07,719 --> 00:36:09,279
Speaker 4: we know, the more we can help each other but

839
00:36:09,360 --> 00:36:12,720
Speaker 4: also help ourselves. So, yes, you can access your super

840
00:36:13,000 --> 00:36:15,680
Speaker 4: I would weigh up what that looks like for me

841
00:36:15,920 --> 00:36:19,440
Speaker 4: if I wasn't that good at money and I knew

842
00:36:19,480 --> 00:36:21,480
Speaker 4: that maybe I might get in a little bit of

843
00:36:21,480 --> 00:36:24,600
Speaker 4: a pickle with an interest free loan. Yes, you're losing

844
00:36:24,719 --> 00:36:27,680
Speaker 4: some compounding in your super. But what you can do

845
00:36:27,760 --> 00:36:29,799
Speaker 4: is go to your employer and say, hey, can you

846
00:36:29,840 --> 00:36:34,040
Speaker 4: please increase my superannuation contributions so that I can get

847
00:36:34,040 --> 00:36:36,239
Speaker 4: back in line with what I'm taking out. You don't

848
00:36:36,239 --> 00:36:38,719
Speaker 4: even have to tell your employer why. You just say, hey,

849
00:36:38,760 --> 00:36:40,319
Speaker 4: i'd like to bump it up one percent for the

850
00:36:40,320 --> 00:36:42,279
Speaker 4: next twelve months. I'd like to bump it up three

851
00:36:42,320 --> 00:36:45,160
Speaker 4: percent or whatever that looks like, to make sure that

852
00:36:45,600 --> 00:36:47,960
Speaker 4: if you're going to draw down on your superbalance, you

853
00:36:48,000 --> 00:36:52,319
Speaker 4: don't ultimately end up behind. So there's obviously a few

854
00:36:52,400 --> 00:36:56,120
Speaker 4: moving parts. There's obviously like a good argument for why

855
00:36:56,160 --> 00:36:58,120
Speaker 4: you'd take an interest free loan, but also a good

856
00:36:58,200 --> 00:37:00,000
Speaker 4: argument for why you might go into super and new way.

857
00:37:00,320 --> 00:37:02,480
Speaker 4: And that is a question I can't answer for you.

858
00:37:02,520 --> 00:37:04,279
Speaker 4: I can just give you the information, and you need

859
00:37:04,320 --> 00:37:06,200
Speaker 4: to make the decision that makes the most sense for

860
00:37:06,239 --> 00:37:07,040
Speaker 4: you and your family.

861
00:37:07,880 --> 00:37:10,320
Speaker 5: Pushing lots of luck on your IVF Joenny and yeah,

862
00:37:10,880 --> 00:37:12,880
Speaker 5: exciting and a lot to take on one.

863
00:37:12,760 --> 00:37:16,000
Speaker 4: And egg freezing is just so smart, Like I just

864
00:37:16,200 --> 00:37:18,360
Speaker 4: I love being alive in twenty twenty four, Like, we

865
00:37:18,440 --> 00:37:20,160
Speaker 4: can just do stuff.

866
00:37:20,320 --> 00:37:22,120
Speaker 2: Yeah, I just freeze time. Can you imagine me.

867
00:37:22,080 --> 00:37:24,239
Speaker 4: Going back and like talking to my grandma in the

868
00:37:24,320 --> 00:37:26,480
Speaker 4: nineteen fifties when she was having babies and being like,

869
00:37:26,520 --> 00:37:29,239
Speaker 4: by the way, one day people are going to be

870
00:37:29,239 --> 00:37:31,600
Speaker 4: able to freeze their eggs and have babies later in life.

871
00:37:31,600 --> 00:37:33,640
Speaker 2: She'd be like, sorry, what so cool?

872
00:37:33,920 --> 00:37:36,200
Speaker 4: Get it in all right, let's move on because we

873
00:37:36,239 --> 00:37:38,000
Speaker 4: have a community DM that I think you guys are

874
00:37:38,040 --> 00:37:39,840
Speaker 4: going to have some opinions about, and I love that

875
00:37:39,920 --> 00:37:40,200
Speaker 4: for us.

876
00:37:40,200 --> 00:37:42,920
Speaker 2: Would you like me to read it out? Absolutely right?

877
00:37:43,120 --> 00:37:44,040
Speaker 2: So high.

878
00:37:44,040 --> 00:37:46,960
Speaker 4: She's on the money money dilemma. I'm thinking about purchasing

879
00:37:47,040 --> 00:37:49,239
Speaker 4: my first home with my brother to help increase our

880
00:37:49,360 --> 00:37:52,840
Speaker 4: buying power. He currently is in a de facto relationship

881
00:37:52,840 --> 00:37:55,640
Speaker 4: with his really lovely girlfriend. To be eligible for first

882
00:37:55,640 --> 00:37:58,040
Speaker 4: home buyers, we would be living in this property for

883
00:37:58,080 --> 00:38:01,959
Speaker 4: twelve months. I'm worried about the possibility of his relationship

884
00:38:02,000 --> 00:38:05,120
Speaker 4: breaking down and what that could mean for a joint asset.

885
00:38:05,520 --> 00:38:07,600
Speaker 4: It's going to be a hard conversation to have.

886
00:38:07,760 --> 00:38:10,400
Speaker 2: Would you risk it? Oh, that's a great question.

887
00:38:11,000 --> 00:38:15,560
Speaker 6: I actually shocking have not a single clue would you

888
00:38:15,600 --> 00:38:16,360
Speaker 6: buy would.

889
00:38:16,160 --> 00:38:17,360
Speaker 2: You buy property with your brothers?

890
00:38:17,560 --> 00:38:20,399
Speaker 6: I probably would buy property with my brother because he's

891
00:38:21,080 --> 00:38:23,920
Speaker 6: very very good financially, and so I.

892
00:38:24,160 --> 00:38:24,680
Speaker 2: Always like a.

893
00:38:28,520 --> 00:38:34,399
Speaker 6: Buy property with me, absolutely, But so I wouldn't get

894
00:38:34,400 --> 00:38:37,640
Speaker 6: a brother on the phone. I guess like there always

895
00:38:37,719 --> 00:38:40,760
Speaker 6: is that risk that, like you've especially I like you've

896
00:38:40,880 --> 00:38:44,520
Speaker 6: not lived with a sibling since you were children, you

897
00:38:44,560 --> 00:38:46,680
Speaker 6: don't know that he might actually get sick of them.

898
00:38:46,719 --> 00:38:50,400
Speaker 6: This is not even taking into consideration the de facto relationship.

899
00:38:50,440 --> 00:38:52,880
Speaker 6: This is purely just like living with a sibling. So

900
00:38:52,920 --> 00:38:54,840
Speaker 6: I think that risk is always there. So you have

901
00:38:54,840 --> 00:38:56,319
Speaker 6: to live in a place for twelve months before you

902
00:38:56,320 --> 00:38:58,560
Speaker 6: can get the.

903
00:38:57,880 --> 00:38:59,640
Speaker 4: The reason that they would be living in it for

904
00:38:59,680 --> 00:39:02,239
Speaker 4: twelve months is very likely to be because they want

905
00:39:02,239 --> 00:39:05,040
Speaker 4: to access the first home biased scheme. And to get

906
00:39:05,080 --> 00:39:07,239
Speaker 4: access to the first Home biased scheme, you need to

907
00:39:07,440 --> 00:39:10,760
Speaker 4: have it as your primary residence for twelve months after purchase.

908
00:39:11,040 --> 00:39:13,640
Speaker 6: Ah, So you don't get that immediately, that's shocking.

909
00:39:14,000 --> 00:39:16,520
Speaker 4: No, no, no, you get it, but you need to meet

910
00:39:16,560 --> 00:39:19,919
Speaker 4: the criteria to keep it Otherwise next tax here they're

911
00:39:19,920 --> 00:39:22,040
Speaker 4: going to come knocking and say, hey, so you didn't

912
00:39:22,040 --> 00:39:23,239
Speaker 4: do what you said you were going to do, and

913
00:39:23,280 --> 00:39:25,319
Speaker 4: we gave you this great benefit to move into a

914
00:39:25,360 --> 00:39:28,120
Speaker 4: house that you own, and you took the mickey.

915
00:39:29,680 --> 00:39:32,040
Speaker 6: Okay, well that's that's a really tricky one. I think

916
00:39:32,239 --> 00:39:34,359
Speaker 6: if it's purely just like you and your sibling, then

917
00:39:35,160 --> 00:39:36,759
Speaker 6: just like suck it up. But I guess that there

918
00:39:36,840 --> 00:39:38,640
Speaker 6: is that fear and I don't. I'm sure there's like

919
00:39:38,680 --> 00:39:41,480
Speaker 6: some legal thing with de facto relationship, like do they

920
00:39:41,560 --> 00:39:43,920
Speaker 6: have access to if they're de facto?

921
00:39:44,040 --> 00:39:47,080
Speaker 2: Yes they do. Yeah, that's where it gets asset not yours.

922
00:39:47,520 --> 00:39:49,640
Speaker 4: So that's used to to you know what, I'm going

923
00:39:49,719 --> 00:39:51,239
Speaker 4: to back out a little bit because I want to

924
00:39:51,280 --> 00:39:54,279
Speaker 4: know what Jess has to say before I do to Actually, I.

925
00:39:54,239 --> 00:39:57,799
Speaker 5: Mean, I personally would not do it, but I'm very

926
00:39:57,840 --> 00:40:00,879
Speaker 5: protective of my assets, and I think that it gets

927
00:40:01,000 --> 00:40:03,919
Speaker 5: complicated when you add somebody else in. I think it's

928
00:40:04,000 --> 00:40:06,880
Speaker 5: more complicated when you add in the de facto element

929
00:40:06,960 --> 00:40:09,120
Speaker 5: because as you are kind of alluding to that, she

930
00:40:09,320 --> 00:40:11,440
Speaker 5: has a claim on some portion of that, which just

931
00:40:11,480 --> 00:40:14,640
Speaker 5: makes it messier in my opinion. And I think as well,

932
00:40:14,680 --> 00:40:16,640
Speaker 5: the fact that you have to live together, it's going

933
00:40:16,719 --> 00:40:18,840
Speaker 5: to really depend on your relationship. But even if you

934
00:40:18,960 --> 00:40:20,640
Speaker 5: like someone a lot, it doesn't mean that you're going

935
00:40:20,640 --> 00:40:22,719
Speaker 5: to live well together, which can cause friction, and if

936
00:40:22,760 --> 00:40:24,359
Speaker 5: one of you needs to move out, then it kind

937
00:40:24,360 --> 00:40:27,000
Speaker 5: of cooks. As VD was saying the first home Ooner Grant.

938
00:40:27,560 --> 00:40:29,960
Speaker 5: So I think it's to me, it just feels messy,

939
00:40:30,120 --> 00:40:33,360
Speaker 5: and I personally wouldn't do it. But I also understand

940
00:40:33,440 --> 00:40:35,520
Speaker 5: that that might be the only way that you can

941
00:40:35,560 --> 00:40:37,960
Speaker 5: get a house, or the way you might feel like

942
00:40:38,000 --> 00:40:39,160
Speaker 5: it's the only way that you can get into a

943
00:40:39,160 --> 00:40:42,480
Speaker 5: house right now. And I fully understand, you know, the

944
00:40:42,520 --> 00:40:45,279
Speaker 5: desperation and the desire to get that done, and maybe

945
00:40:45,320 --> 00:40:49,400
Speaker 5: the opportunity cost of not buying now versus buying in

946
00:40:49,440 --> 00:40:51,600
Speaker 5: five years when you've had time to save your own deposit.

947
00:40:51,719 --> 00:40:53,200
Speaker 2: But I would.

948
00:40:53,000 --> 00:40:55,400
Speaker 5: Probably say, talk to a mortgage broker and see what

949
00:40:55,440 --> 00:40:58,400
Speaker 5: your options done on your own money.

950
00:40:58,440 --> 00:40:59,040
Speaker 4: Mortgage brand.

951
00:40:59,120 --> 00:41:03,279
Speaker 2: Absolutely you're both to Jack this morning? Oh teen, Yeah,

952
00:41:03,480 --> 00:41:05,239
Speaker 2: is there any updates? Yeah, I want to chut to

953
00:41:05,239 --> 00:41:05,719
Speaker 2: you after action.

954
00:41:07,520 --> 00:41:10,440
Speaker 5: So yeah, I would absolutelyttat to one of the Gillies

955
00:41:10,440 --> 00:41:12,080
Speaker 5: at Zala and see what your options are on your

956
00:41:12,080 --> 00:41:13,560
Speaker 5: own And I imagine it's.

957
00:41:13,480 --> 00:41:14,880
Speaker 2: Jack though Jack's I love it.

958
00:41:15,000 --> 00:41:16,440
Speaker 4: I mean, I love all the Gillies, I know, but

959
00:41:16,600 --> 00:41:19,120
Speaker 4: like Jack's been with me for the longest, and I

960
00:41:19,160 --> 00:41:22,000
Speaker 4: feel like, obviously all of our brokers are insane. But

961
00:41:22,080 --> 00:41:24,279
Speaker 4: I just I know that she was talking to you

962
00:41:24,320 --> 00:41:26,040
Speaker 4: before hours, Like I know that she was up at

963
00:41:26,040 --> 00:41:27,799
Speaker 4: the crack of dawn being like, so, Jess, this is

964
00:41:27,800 --> 00:41:29,880
Speaker 4: what I've been thinking you like, do you have a sleep.

965
00:41:31,280 --> 00:41:33,919
Speaker 5: So see where options are on your own, and then

966
00:41:34,000 --> 00:41:37,759
Speaker 5: what things could look like with your brother and his girlfriend.

967
00:41:38,239 --> 00:41:42,200
Speaker 5: But if, like my answer is if I would do it, no, personally,

968
00:41:42,320 --> 00:41:44,320
Speaker 5: that doesn't mean that it's a bad option, but I

969
00:41:44,360 --> 00:41:47,279
Speaker 5: would just explore all your options first, because I, as

970
00:41:47,320 --> 00:41:50,400
Speaker 5: someone who is planning on buying by herself, like it

971
00:41:50,520 --> 00:41:52,600
Speaker 5: is more feasible than you would think.

972
00:41:52,560 --> 00:41:53,640
Speaker 2: So one hundred percent.

973
00:41:53,800 --> 00:41:56,160
Speaker 4: I also want to touch on why you're buying with

974
00:41:56,200 --> 00:41:59,080
Speaker 4: a sibling. So obviously it increases your purchasing power, but

975
00:41:59,239 --> 00:42:00,880
Speaker 4: is that because you really want to get into the

976
00:42:00,880 --> 00:42:03,600
Speaker 4: market sooner instead of just waiting until you've got a

977
00:42:03,600 --> 00:42:07,160
Speaker 4: whole deposit or maybe you have a higher income or

978
00:42:07,360 --> 00:42:09,239
Speaker 4: you know you're in a position to buy on your own,

979
00:42:09,239 --> 00:42:12,080
Speaker 4: Because like as just said, you are probably going to

980
00:42:12,120 --> 00:42:13,680
Speaker 4: have a lot more power than you think you do.

981
00:42:14,239 --> 00:42:18,160
Speaker 4: But I don't like the idea that people are compromising

982
00:42:18,440 --> 00:42:22,759
Speaker 4: their long term financial security and their financial success long

983
00:42:22,880 --> 00:42:26,080
Speaker 4: term because they are trying to rush into something Like

984
00:42:26,160 --> 00:42:28,279
Speaker 4: a lot of people that I've spoken to historically that

985
00:42:28,320 --> 00:42:29,840
Speaker 4: are like, I really want to purchase with a family

986
00:42:29,840 --> 00:42:32,359
Speaker 4: member or a friend or whatever. It's because they just

987
00:42:32,560 --> 00:42:35,799
Speaker 4: really desperate to own property. And I just go, well,

988
00:42:35,920 --> 00:42:38,960
Speaker 4: let's just kind of zoom out. Is the big picture

989
00:42:39,840 --> 00:42:42,800
Speaker 4: you owning your own property? Okay, well, purchasing You know,

990
00:42:42,880 --> 00:42:45,560
Speaker 4: if Jess and I purchased one tomorrow, we're on different

991
00:42:45,600 --> 00:42:48,319
Speaker 4: life trajectories, Like she might want to dispose of it

992
00:42:48,360 --> 00:42:50,799
Speaker 4: sooner than me, and I don't. I want to hold

993
00:42:50,840 --> 00:42:52,799
Speaker 4: on to it and keep that rental income coming in.

994
00:42:52,840 --> 00:42:55,400
Speaker 4: Like it just creates problems down the line. So you

995
00:42:55,480 --> 00:42:57,680
Speaker 4: actually have to be on exactly the same page. So

996
00:42:58,080 --> 00:42:59,520
Speaker 4: you know, in the next one or two years, you

997
00:42:59,600 --> 00:43:00,960
Speaker 4: might go, no, it's not going to be a problem

998
00:43:00,960 --> 00:43:03,279
Speaker 4: at all. But like, Okay, what if he and his

999
00:43:03,320 --> 00:43:05,440
Speaker 4: partner get married and they have a kid, or what

1000
00:43:05,480 --> 00:43:08,840
Speaker 4: if they unexpectedly have a kid and they need access

1001
00:43:08,880 --> 00:43:11,360
Speaker 4: to finance and they need to sell the property. Are

1002
00:43:11,440 --> 00:43:13,480
Speaker 4: you in a position where you can purchase your brother

1003
00:43:13,560 --> 00:43:16,280
Speaker 4: outright of that property so that you don't lose anything

1004
00:43:16,280 --> 00:43:20,200
Speaker 4: financially or you know, again, I'm just making up a

1005
00:43:20,280 --> 00:43:23,640
Speaker 4: hypothetical situation, but you know it's one that could literally happen.

1006
00:43:24,520 --> 00:43:27,520
Speaker 4: What if you're in the position where they go, we

1007
00:43:27,600 --> 00:43:30,600
Speaker 4: are having a baby, this wasn't planned financially, We're going

1008
00:43:30,680 --> 00:43:34,040
Speaker 4: to have to dispose of the house. And you go, oh,

1009
00:43:34,080 --> 00:43:35,719
Speaker 4: I'm going to lose a whole heap of money as

1010
00:43:35,719 --> 00:43:37,320
Speaker 4: well because we have to sell it a loss.

1011
00:43:38,200 --> 00:43:38,560
Speaker 2: Yeah.

1012
00:43:38,760 --> 00:43:41,080
Speaker 4: Are you then going to have some animosity in that

1013
00:43:41,160 --> 00:43:44,799
Speaker 4: relationship because your brother's forcing your hand? Are you going

1014
00:43:44,840 --> 00:43:47,319
Speaker 4: to not feel good about that? Is there a backup plan?

1015
00:43:47,360 --> 00:43:49,520
Speaker 4: What does that look like? The other thing I want

1016
00:43:49,560 --> 00:43:53,080
Speaker 4: to talk about is joint tenancy versus tenants in common.

1017
00:43:53,120 --> 00:43:55,719
Speaker 4: We have covered this in the Property Playbook, so if

1018
00:43:55,760 --> 00:43:59,440
Speaker 4: you haven't listened to that podcast, Jess does an incredible

1019
00:43:59,520 --> 00:44:01,719
Speaker 4: job of hopeing it and we talk about all the

1020
00:44:01,800 --> 00:44:06,040
Speaker 4: nitty gritty, but essentially, in joint tenancy there's what's called

1021
00:44:06,080 --> 00:44:07,360
Speaker 4: a rite of survivorship.

1022
00:44:07,800 --> 00:44:09,200
Speaker 2: So essentially, if.

1023
00:44:09,000 --> 00:44:12,080
Speaker 4: One tenant dies and I'm being a bit dramatic here,

1024
00:44:12,120 --> 00:44:14,920
Speaker 4: but if one tenant dies, it automatically passes to the

1025
00:44:14,960 --> 00:44:18,960
Speaker 4: other tenant because it is based off a de facto relationship.

1026
00:44:19,080 --> 00:44:21,040
Speaker 4: So like, if I pass away, obviously I want my

1027
00:44:21,040 --> 00:44:24,239
Speaker 4: house to go to my husband. But if I'm purchasing

1028
00:44:24,280 --> 00:44:26,480
Speaker 4: with a sibling or a friend, I would want a

1029
00:44:26,560 --> 00:44:29,879
Speaker 4: tenancy in common agreement, which means that two or more

1030
00:44:29,920 --> 00:44:33,239
Speaker 4: people co own a property with defined shares. So I

1031
00:44:33,280 --> 00:44:35,520
Speaker 4: could go in and be like, okay, Like Jess, maybe

1032
00:44:35,520 --> 00:44:39,279
Speaker 4: you're purchasing seventy percent and I'm purchasing thirty percent. But

1033
00:44:39,400 --> 00:44:42,840
Speaker 4: the additional benefit of that is that I can sell

1034
00:44:42,880 --> 00:44:45,839
Speaker 4: my share without impacting Jess. We can actually get two

1035
00:44:45,920 --> 00:44:48,719
Speaker 4: separate loans, so she can have her own lending facility.

1036
00:44:48,800 --> 00:44:52,120
Speaker 4: I can have my own. We can also, you know,

1037
00:44:52,640 --> 00:44:55,840
Speaker 4: pass it on to somebody else. Like if something happened

1038
00:44:55,880 --> 00:44:58,440
Speaker 4: between Jess and I and Jess want it out, she

1039
00:44:58,520 --> 00:45:01,239
Speaker 4: could sell it to somebody else if she wanted to,

1040
00:45:01,480 --> 00:45:04,520
Speaker 4: but I wouldn't lose out. So like, we need to

1041
00:45:04,560 --> 00:45:07,239
Speaker 4: look at structure as well as the relationship. And then

1042
00:45:07,280 --> 00:45:09,720
Speaker 4: on top of that, i'd want to binding financial agreement

1043
00:45:10,080 --> 00:45:13,719
Speaker 4: if I'm going into this relationship with somebody where now, yeah,

1044
00:45:13,719 --> 00:45:16,719
Speaker 4: I trust you, Beck, but like what if something happens,

1045
00:45:16,800 --> 00:45:21,440
Speaker 4: and you know, back to that pregnancy situation, unforeseen happens.

1046
00:45:21,719 --> 00:45:23,680
Speaker 4: Now there's animosity because I don't want to lose money.

1047
00:45:23,680 --> 00:45:26,319
Speaker 4: I don't want to sell the property. But also we

1048
00:45:26,400 --> 00:45:29,480
Speaker 4: haven't pre agreed to anything when we were both wanting

1049
00:45:29,560 --> 00:45:32,160
Speaker 4: the best for one another. So I think that sitting

1050
00:45:32,200 --> 00:45:35,359
Speaker 4: down and even if and like I talk to people

1051
00:45:35,400 --> 00:45:37,240
Speaker 4: all the time about this, they're like, the a binding

1052
00:45:37,280 --> 00:45:41,040
Speaker 4: financial agreement is so expensive. I get it, But if

1053
00:45:41,080 --> 00:45:43,000
Speaker 4: you can't afford to do that and you're planning on

1054
00:45:43,040 --> 00:45:45,799
Speaker 4: buying property, can you actually afford the loss that would

1055
00:45:45,800 --> 00:45:48,799
Speaker 4: be incurred if it went wrong? Like, can we talk

1056
00:45:48,800 --> 00:45:51,000
Speaker 4: about that? Can we also sit down and have like

1057
00:45:51,200 --> 00:45:52,600
Speaker 4: I don't know, if you have a date night with

1058
00:45:52,640 --> 00:45:53,240
Speaker 4: your brother.

1059
00:45:53,520 --> 00:45:55,160
Speaker 2: Is that weird? That's weird?

1060
00:45:54,960 --> 00:45:59,600
Speaker 4: Weird down which it's absolutely bad. You're going to sit down,

1061
00:45:59,600 --> 00:46:01,279
Speaker 4: You're going to have a drink, and what you're going

1062
00:46:01,360 --> 00:46:04,000
Speaker 4: to do is go, well, let's think of all of

1063
00:46:04,040 --> 00:46:09,279
Speaker 4: the worst case scenarios and let's work shop what we'd do. So, like, beck,

1064
00:46:09,320 --> 00:46:10,880
Speaker 4: I want you to think of the worst thing that

1065
00:46:10,920 --> 00:46:11,520
Speaker 4: could happen.

1066
00:46:12,200 --> 00:46:14,440
Speaker 2: House burns down. Okay, what are we going to do?

1067
00:46:14,920 --> 00:46:16,839
Speaker 4: I want you to be on the same page about

1068
00:46:16,840 --> 00:46:20,560
Speaker 4: the outcomes before you get there, so that you default

1069
00:46:20,600 --> 00:46:23,719
Speaker 4: back to okay, Well, when we work shopped this, this

1070
00:46:23,960 --> 00:46:26,920
Speaker 4: was the outcome. This is what we agreed to. So

1071
00:46:26,920 --> 00:46:29,160
Speaker 4: there's no like, hey, awkward, but what are we going

1072
00:46:29,200 --> 00:46:31,640
Speaker 4: to do now? Like you already kind of have a plan,

1073
00:46:32,280 --> 00:46:33,240
Speaker 4: but that's my advice.

1074
00:46:33,280 --> 00:46:35,399
Speaker 2: So would you do it? You know what?

1075
00:46:35,680 --> 00:46:38,600
Speaker 4: Lots of people have done it successfully totally. Lots of

1076
00:46:38,600 --> 00:46:40,359
Speaker 4: people in our dms are like, don't do it.

1077
00:46:40,360 --> 00:46:42,120
Speaker 2: It didn't work for me. So would you like to

1078
00:46:42,120 --> 00:46:44,600
Speaker 2: hear the tea? Always okay?

1079
00:46:44,880 --> 00:46:47,359
Speaker 4: So before we get to the tea, we did ask

1080
00:46:47,440 --> 00:46:50,200
Speaker 4: the community, would you ever buy property with a sibling?

1081
00:46:51,000 --> 00:46:53,520
Speaker 4: Forty seven percent of you setting up too risky, and

1082
00:46:53,560 --> 00:46:55,640
Speaker 4: fifty three percent said yeah, that could work for me.

1083
00:46:56,360 --> 00:46:58,560
Speaker 4: We asked, would you rather own fifty percent of a

1084
00:46:58,600 --> 00:47:01,279
Speaker 4: property now or wait and own one hundred percent? Miss

1085
00:47:01,360 --> 00:47:04,120
Speaker 4: Jessica Ricci Hard yes, one hundred percent.

1086
00:47:04,200 --> 00:47:04,799
Speaker 2: She wants to.

1087
00:47:04,760 --> 00:47:06,759
Speaker 4: Own everything and not share a thing.

1088
00:47:06,880 --> 00:47:07,400
Speaker 2: I love it.

1089
00:47:08,040 --> 00:47:10,560
Speaker 4: Forty five percent of you said I want to own

1090
00:47:10,640 --> 00:47:13,200
Speaker 4: fifty percent now, but fifty five percent of you said

1091
00:47:13,200 --> 00:47:16,560
Speaker 4: I'm gonna wait for one hundred percent ownership. We then

1092
00:47:16,640 --> 00:47:21,040
Speaker 4: said babe, what's your two cents share? One person said,

1093
00:47:21,080 --> 00:47:24,320
Speaker 4: I bought with my brother. It went really badly, almost.

1094
00:47:24,040 --> 00:47:29,319
Speaker 2: Ripped my family apart. Wow, that really sad. Really ooh.

1095
00:47:30,080 --> 00:47:34,480
Speaker 4: Someone else said, BFA all day, baby. That is she's

1096
00:47:34,520 --> 00:47:35,920
Speaker 4: on the money a T shirt.

1097
00:47:36,160 --> 00:47:40,760
Speaker 2: BFA all day, finding financial agreements all to day. BFA

1098
00:47:40,840 --> 00:47:42,520
Speaker 2: all day. I want that on a T shirt.

1099
00:47:43,200 --> 00:47:47,759
Speaker 4: Someone else said, get this communication communication. Wow.

1100
00:47:48,080 --> 00:47:49,719
Speaker 2: I restrained myself from saying it when you were.

1101
00:47:49,680 --> 00:47:53,759
Speaker 4: Talking about don't say it, don't say it, don't say it.

1102
00:47:54,239 --> 00:47:56,680
Speaker 4: Someone else said, my cousins bought property together and it

1103
00:47:56,840 --> 00:47:59,280
Speaker 4: set them up for a super successful future.

1104
00:48:00,719 --> 00:48:01,239
Speaker 2: Beautiful.

1105
00:48:01,600 --> 00:48:04,439
Speaker 4: Someone else said, even if everyone is level headed now,

1106
00:48:04,440 --> 00:48:08,960
Speaker 4: things can change. Someone else said, tenants in common. That way,

1107
00:48:09,040 --> 00:48:12,120
Speaker 4: if it does go downhill, there's an extra layer of protection.

1108
00:48:12,400 --> 00:48:13,000
Speaker 2: We love that.

1109
00:48:13,840 --> 00:48:16,319
Speaker 4: Someone else said I would never buy with family. I

1110
00:48:16,440 --> 00:48:18,920
Speaker 4: did it, and it destroyed our relationship completely.

1111
00:48:20,080 --> 00:48:21,439
Speaker 2: That's really sad. It's actually really sad.

1112
00:48:21,760 --> 00:48:25,279
Speaker 4: Someone said, my boyfriend's brother won't sell or buy him out,

1113
00:48:25,360 --> 00:48:28,000
Speaker 4: which means that I am massively held back from buying

1114
00:48:28,000 --> 00:48:28,680
Speaker 4: our own place.

1115
00:48:28,800 --> 00:48:29,000
Speaker 1: Oh.

1116
00:48:29,239 --> 00:48:32,200
Speaker 2: True, But also I don't.

1117
00:48:32,040 --> 00:48:35,319
Speaker 4: Want to defend your boyfriend's brother here because obviously, I'm

1118
00:48:35,360 --> 00:48:38,640
Speaker 4: meant to be on your side, but I get it,

1119
00:48:38,840 --> 00:48:40,880
Speaker 4: Like he bought a property and he doesn't want to

1120
00:48:40,920 --> 00:48:44,880
Speaker 4: sell it. Yeah, like I buy property. I can almost

1121
00:48:44,880 --> 00:48:47,080
Speaker 4: guarantee the second Jessico to each she gets her hands

1122
00:48:47,120 --> 00:48:49,200
Speaker 4: on property. Are you going to be able to convince

1123
00:48:49,239 --> 00:48:49,960
Speaker 4: that woman to sell it?

1124
00:48:50,560 --> 00:48:50,759
Speaker 1: No?

1125
00:48:50,920 --> 00:48:54,920
Speaker 2: Like from my cold far to only come this far.

1126
00:48:55,040 --> 00:48:56,960
Speaker 4: And that's what we've got to think about when we're

1127
00:48:56,960 --> 00:49:01,720
Speaker 4: going into situations like this, Like You're life has significantly

1128
00:49:01,920 --> 00:49:03,800
Speaker 4: changed and now you want to buy with your partner.

1129
00:49:04,160 --> 00:49:07,320
Speaker 4: So romantic. I love this for you, but your partner

1130
00:49:07,320 --> 00:49:10,920
Speaker 4: already has a financial commitment with somebody else and that

1131
00:49:11,000 --> 00:49:13,160
Speaker 4: kind of needs to be respected as well. It sucks,

1132
00:49:13,640 --> 00:49:16,279
Speaker 4: but like what you're going to do? Someone else said

1133
00:49:16,320 --> 00:49:18,640
Speaker 4: if they settle as tenants in common, the girlfriend would

1134
00:49:18,640 --> 00:49:19,600
Speaker 4: only have rights to.

1135
00:49:19,640 --> 00:49:22,960
Speaker 2: His fifty percent, which is true. Yes, and we'll leave

1136
00:49:22,960 --> 00:49:25,440
Speaker 2: it there. Great. How are we feeling about that?

1137
00:49:26,000 --> 00:49:29,960
Speaker 4: On Sunday, I can't wait to get off this podcast

1138
00:49:29,960 --> 00:49:31,960
Speaker 4: because Jess said that we can talk after about her

1139
00:49:32,000 --> 00:49:35,080
Speaker 4: meeting with Jack from Zella Money, and that means.

1140
00:49:34,840 --> 00:49:36,960
Speaker 2: That there might be property in the works for mistress.

1141
00:49:37,560 --> 00:49:40,719
Speaker 4: Don't know, don't know. Don't know, don't know, eggs, no

1142
00:49:40,840 --> 00:49:44,000
Speaker 4: basket no, all right, So have a good week, guys.

1143
00:49:44,040 --> 00:49:45,880
Speaker 4: Don't forget it is the last day that you can

1144
00:49:45,920 --> 00:49:48,319
Speaker 4: get into the Investing Masterclass if you haven't joined us

1145
00:49:48,360 --> 00:49:50,719
Speaker 4: doors are closing at five pm. If you want to

1146
00:49:50,760 --> 00:49:53,680
Speaker 4: join as well, use the Code podcast for obviously a

1147
00:49:53,760 --> 00:49:56,319
Speaker 4: very cheeky discount, but we'll see you right nearly on

1148
00:49:56,360 --> 00:49:58,359
Speaker 4: Monday for a money diary and a.

1149
00:49:58,280 --> 00:49:59,720
Speaker 2: Little bonus episode tomorrow.

1150
00:49:59,800 --> 00:50:02,480
Speaker 4: So so enjoy the weekend, my loves by guys.

1151
00:50:02,560 --> 00:50:07,680
Speaker 5: Bye.

1152
00:50:09,400 --> 00:50:11,960
Speaker 4: The advice shared on She's on the Money is general

1153
00:50:12,000 --> 00:50:15,839
Speaker 4: in nature and does not consider your individual circumstances. She's

1154
00:50:15,920 --> 00:50:19,360
Speaker 4: on the Money exists purely for educational purposes and should

1155
00:50:19,400 --> 00:50:22,560
Speaker 4: not be relied upon to make an investment or financial decision.

1156
00:50:22,960 --> 00:50:25,200
Speaker 2: If you do choose to buy a financial.

1157
00:50:24,760 --> 00:50:29,120
Speaker 4: Product, read the PDS TMD and obtain appropriate financial advice.

1158
00:50:28,800 --> 00:50:30,120
Speaker 2: Tailored towards your needs.

1159
00:50:30,480 --> 00:50:34,440
Speaker 4: Victoria Divine and She's on the Money are authorized representatives

1160
00:50:34,480 --> 00:50:38,600
Speaker 4: of Money. Sheoper Pty Ltd ABN three two one six

1161
00:50:38,680 --> 00:50:42,560
Speaker 4: four nine two seven seven zero eight AFSL four five

1162
00:50:42,680 --> 00:50:44,719
Speaker 4: one two eight nine