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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impactful 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 podcast

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Speaker 4: that makes personal finance fun, especially on Fridays. It's our

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Speaker 4: favorite day of the week because we get our team

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Speaker 4: together and we get to celebrate you the incredible She's

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Speaker 4: on the Money community. Ms Jess Grichi's here and she's

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Speaker 4: going to be sharing our favorite money wins from the community.

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Speaker 4: Miss becksay Ed is here as always, and she's got

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Speaker 4: a number of really good broke tips for us, and

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Speaker 4: we're going to be helping to answer a money dilemma

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Speaker 4: this week. It's all about how to get a better

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Speaker 4: rate on your mortgage. And something that you slid into

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Speaker 4: our DMS about is whether you should start a side

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Speaker 4: hustle with your friend. Woh, I feel like that's going

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Speaker 4: to be a good one. There are friends that I have, Yeah,

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Speaker 4: definitely I would, And then there are friends that I'm

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Speaker 4: like absolutely not, like that would ruin our friendship. But

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Speaker 4: before we dive into all of that, which I cannot

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Speaker 4: wait for, how were your weeks?

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Speaker 2: Yes, you go first?

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Speaker 5: My week was good, you know, nothing crazy, nothing exciting,

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Speaker 5: just you know, an average week for me. Nothing true, poor, yeah, gorgeous.

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Speaker 5: Sometimes it's nice.

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Speaker 2: No news is good news, very true.

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Speaker 5: How about you?

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Speaker 2: Really really good week? I have, you know, started another

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Speaker 2: one of my I feel like you'd get this, you

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Speaker 2: know when you're just like you always have a different

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Speaker 2: hobby and you just like focus. So obviously it was

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Speaker 2: like crocheting, and then and then pottery. I dabbled in

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Speaker 2: a few other things, like I was like, maybe I'll

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Speaker 2: be into gardening. I just I can't personally do it.

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Speaker 2: But I've gone back to pottery. So I feel like

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Speaker 2: I'm cheating by hyperfixating on something I've already been doing.

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Speaker 2: And also you you're not gonna like this very much.

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Speaker 4: But I am not gonna like this as though I've

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Speaker 4: ever judged you on anything you've ever done.

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Speaker 2: That's true.

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Speaker 4: When have I ever been like Beck.

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Speaker 2: I don't like this.

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Speaker 5: Are you getting this your mind?

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Speaker 3: Or like this?

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Speaker 2: I joined another gym and.

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Speaker 4: Hold on, hold on, hold on, hold on. You're right,

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Speaker 4: you're right. No, Beck did not lie. I don't like

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Speaker 4: this because share with the community, because this hasn't been

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Speaker 4: on the podcast. True, it's so spactrack Miss Bech say

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Speaker 4: ed you like coming to the gym?

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Speaker 2: I do.

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Speaker 4: Yeah, And you've been trying to find the right gym,

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Speaker 4: find the right gym, and I I get it. That's

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Speaker 4: a journey. It can be hard. But how many gym

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Speaker 4: memberships do you now have?

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Speaker 2: Okay, so this would be way fifth, but I am

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Speaker 2: actively canceling three.

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Speaker 4: But have you canceled them already or is it like

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Speaker 4: a pipe dream at this point?

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Speaker 2: One of them? I'm canceling, but I have to, like

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Speaker 2: I have to repay, like not repay, but I have

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Speaker 2: to pay like the outstanding of americ.

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Speaker 4: Okay, okay, but tell me how many? How many are

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Speaker 4: you paying for right now? The way you're answering these questions,

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Speaker 4: it's giving Bill Gibson, okay, right now paying for three? Okay,

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Speaker 4: so you've got three gym memberships? And is this your

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Speaker 4: fourth gym membership?

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Speaker 2: This is my third?

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Speaker 4: This is your third. So you have three active gym membership.

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Speaker 2: The active two just recently canceled. Okay, cool money. You

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Speaker 2: did have five? I did have five?

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Speaker 4: Okay, so you had five gym memberships, you now have three.

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Speaker 4: Talk to me about why we've got three active gym

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Speaker 4: memberships because I don't even go to the gym once

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Speaker 4: a week. Honestly, I just like, well, okay, so I

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Speaker 4: hate these like fluorescent lights, Like I just want a

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Speaker 4: gym that's like dark and it's got the neon lights. Anyway,

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Speaker 4: finally to try and see if they've got that right,

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Speaker 4: are you like checking first?

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Speaker 2: Unfortunately I did join without checking first.

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Speaker 5: But it is it's perfect right in my house.

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Speaker 2: It's it's brand new as well, so it's like a

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Speaker 2: fund a foundational memberships. It's like really cheap.

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Speaker 4: Oh that's a good deal.

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Speaker 2: Yeah, it's called base attack just in case it needs

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Speaker 2: to best sort of. And also I can bring a

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Speaker 2: friend for free for thirty days.

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Speaker 4: I love that.

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Speaker 2: If you guys want to come with me.

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Speaker 4: Be in it to win it. But what are we

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Speaker 4: doing with the other two that aren't as good because

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Speaker 4: you've obviously joined a new one.

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Speaker 2: Well, immediately after this recording, I'm going to cancel them,

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Speaker 2: Okay if I remember.

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Speaker 4: Well last my next thank you. It's a good week round, honestly,

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Speaker 4: how good and like that's a good brug tip canceling

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Speaker 4: subscriptions you don't.

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Speaker 2: Need exactly exactly.

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Speaker 4: I love this. Yeah, we can reframe this into a

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Speaker 4: money win. Yes, thank you, Yeah, it's possibly. I have

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Speaker 4: had a very productive week. For those of you who

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Speaker 4: don't know, I don't work on Mondays anymore because I

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Speaker 4: it's like my stay at home day with heart. And

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Speaker 4: on Monday, Harvey and I picked up a cozy coop

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Speaker 4: from Facebook Marketplace.

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Speaker 2: That's sounds so cute.

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Speaker 4: Yeah, do you know what a cozy coop is? You

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Speaker 4: were the like little red and yellow car that little

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Speaker 4: toddlers go in and they push it with their legs,

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Speaker 4: like the plastic like little tykes brand one. Yes, yeah,

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Speaker 4: So we picked up one of those and it cost

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Speaker 4: me like twenty bucks on Facebook Marketplace, which is a

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Speaker 4: money win. There's so many of them on there, and

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Speaker 4: I'm currently converting it into a golf cart. I have

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Speaker 4: painted the whole of the outside. I went to Kmart

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Speaker 4: and I got these. They were like seven dollars for

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Speaker 4: like little kid's golf set. And yeah, I like organized

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Speaker 4: his first birthday, which is going to come as no

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Speaker 4: surprise as golf theme. That's very cute because his dad

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Speaker 4: is obsessed with golf, like ever since Harvey was born.

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Speaker 4: So he's like, when do you reckon? He'll have an interesting.

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Speaker 2: Golf like not for least.

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Speaker 4: Not for a while, but that's okay. He can't wait

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Speaker 4: to buy Harvey his first clubs, and like, I'm all

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Speaker 4: about a kid's birthday party, like that's just fun, but

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Speaker 4: when they turn one, he doesn't really have any interests yet.

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Speaker 4: So like, I feel like this is the only year

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Speaker 4: that Steve and I are allowed to pick the theme. Yeah,

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Speaker 4: because like next year he's going to be two and

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Speaker 4: probably like blueye or something, you know, Yeah, and that's

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Speaker 4: going to navigate or tell us what theme should occur.

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Speaker 4: I don't even know if he's going to get annual

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Speaker 4: birthday parties, but who knows. Yeah, but this year we

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Speaker 4: picked golf as the theme, and his theme is whole

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Speaker 4: in one. I think that's that's cute.

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Speaker 2: You gotta take advantage of these formative years.

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Speaker 4: I think it's going to be really good. Like this

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Speaker 4: sounds like it's a really big party, it's not. We're

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Speaker 4: actually just going basically for a barbecue in the park.

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Speaker 4: But he's going to have a golf cart that I've

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Speaker 4: made out of a cozy coop.

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Speaker 2: You're going to make a book marketplace Women's Weekly Golf course.

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Speaker 4: No, but we have the Woman's Weekly Cookbook and Steve

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Speaker 4: and I were literally talking about it yesterday, like what

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Speaker 4: one we should make, and Steve's committed. He's like, I

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Speaker 4: really want to make the train. I always wanted the

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Speaker 4: train as a kid, like and my husband's a train kid.

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Speaker 4: So yes, we'll see.

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Speaker 2: He's cute.

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Speaker 4: But the cake at a golf pub, That's what I'm

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Speaker 4: thinking exactly. That's the current dilemma, which is honestly the

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Speaker 4: biggest thing stressing our relationship at this point.

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Speaker 2: I'm stress.

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Speaker 4: But let's get further into the show, less about me,

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Speaker 4: less about my cozy coop journey. I am sharing it

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Speaker 4: all on Instagram for those of you who are interested.

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Speaker 4: In Victoria's rogue DIY side note, I did get in

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Speaker 4: trouble from my husband.

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Speaker 5: Spray paint.

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Speaker 4: Yeah.

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Speaker 5: I looked at that and I was like, good lord.

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Speaker 4: So I took it out into the garden and I

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Speaker 4: spray painted it.

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Speaker 2: Yeah, but on the grass, that's fine, like hair just

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Speaker 2: grows out.

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Speaker 4: Well, I told Steve, I can fix it, babe, don't worry.

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Speaker 4: I'll just spray paint the green, because we've hit green

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Speaker 4: as the golf cut color. I'll just spray paint over

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Speaker 4: all the black green.

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Speaker 2: Yeah, that's great. I said that.

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Speaker 4: That's not going to fix it.

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Speaker 2: No, that's a great idea.

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Speaker 4: I thought it was good too. It happened, It didn't matter.

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Speaker 4: It's just grass. Like you'll mow the grass and chop

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Speaker 4: off all the paint bits.

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Speaker 2: Yeah, or what does it like kill it or something?

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Speaker 4: Look, I actually didn't think about it too deeply, but man.

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Speaker 5: Bugs in the grass.

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Speaker 4: Oh I didn't.

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Speaker 2: Give it a little bug?

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Speaker 4: Maybe did I until now? But the amount of people

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Speaker 4: that are angry at me in my DMS as well,

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Speaker 4: Oh lordie, you should have got newspaper. You should have

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Speaker 4: done this on cardboard. What are you doing, Victoria? That's

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Speaker 4: so bad? For the environment. I'm thinking I have ADHD.

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Speaker 4: Like I decided last minute to go get this Facebook

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Speaker 4: marketplace thing and go to the shops and get spray paint.

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Speaker 4: I did it so quickly that I had to make

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Speaker 4: three Bunnings trips on Monday because I literally didn't have

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Speaker 4: any of the stuff I needed. And it turns out

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Speaker 4: you need more than one spray can of paint.

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Speaker 2: Is the end of it. You're like, I may as

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Speaker 2: well have just bought a golf cart.

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Speaker 4: Well, yeah, like the paint is definitely going to cost

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Speaker 4: me more than the actual golf cart. And the fact

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Speaker 4: that I then got on the internet and was like, oh,

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Speaker 4: you know, like the stick on silver molding for cars,

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Speaker 4: I bought some of that.

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Speaker 2: Yeah you got to Yep, you can do that.

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Speaker 4: You can get custom number plates.

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Speaker 2: Oh you gotta get cut So I got a little it.

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Speaker 4: Was ten dollars, but like custom number plate for the back.

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Speaker 4: And then I'm like, do you know what would be

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Speaker 4: cooler if I google golf brands and then message old

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Speaker 4: mat Jesse Richie. He's obsessed with her cricket, which is

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Speaker 4: a laser cutter. Is it a laser cutter? Kind of

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Speaker 4: like a like a fine point cutter. It's got a

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Speaker 4: fine point cutter for vinyl.

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Speaker 2: That's cool.

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Speaker 4: Asked her to cut out a golf sticker so we

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Speaker 4: can put it on the side of the cozy coop.

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Speaker 5: Yeah, right now, that's a.

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Speaker 4: Very funn What else do you get a one year old?

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Speaker 2: Yeah, exactly nothing.

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Speaker 4: It's fun, it's dy, it's made with love. It looks

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Speaker 4: like it's made with love. So I just will be

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Speaker 4: taking photos of it from far away. Would you guys

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Speaker 4: like to hear a five star review that we received

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Speaker 4: this week? Yes, surely. We also received a one star

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Speaker 4: review this week. It said that I had a receding hairline.

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Speaker 4: So I'm just not going to read that one out,

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Speaker 4: but I will read you the five star one yet

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Speaker 4: perfect is so me. I was like, oh, did you notice.

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Speaker 2: I give it a one star because sorry, I don't

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Speaker 2: like your hairline?

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Speaker 6: Yeah?

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Speaker 4: How cute?

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Speaker 6: Right?

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Speaker 4: Anyway, So this is the five star review got cord hairlines.

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Speaker 4: This is from thanks, I agree with myself and using

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Speaker 4: it myself too. This is from Tash, and Tash says

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Speaker 4: scene and support it. Thanks so much to all the

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Speaker 4: wonderful humans, and she's on the money for making me

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Speaker 4: feel seen and supported with this podcast, I've been able

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Speaker 4: to develop some financial literacy and reframe my mindset towards money.

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Speaker 4: Although this is a long work in progress, it's happening.

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Speaker 4: Last year I was in my final year of UNI

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Speaker 4: and for my honors project, I actually used the She's

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Speaker 4: on the Money podcast as a treatment group for my

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Speaker 4: experimental study. My project was on studying cockertoo dance behavior.

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Speaker 4: You TVD Beck and Jess for your explanations, insights, vulnerability,

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Speaker 4: and kind words. Thank you for changing the trajectory of

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Speaker 4: my money journey. Finally, thank you for being part of

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Speaker 4: my UNI journey. My project is in the progress of

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Speaker 4: being reviewed to be published.

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Speaker 2: That is so cool.

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Speaker 5: Although I am just picturing cockatoos with like little like headphones,

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Speaker 5: like yeah, yes, that's not I think it's roughly Yeah.

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Speaker 4: I was involved like She's on the Money podcast as

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Speaker 4: a treatment group for my experimental study. Like are you

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Speaker 4: saying that I got to talk to cockatoos? That's really

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Speaker 4: that's so cool.

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Speaker 2: A whole thing is really nice and really sweet and

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Speaker 2: thank you so so that must be some actually good

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Speaker 2: research as well, because as someone who also did her

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Speaker 2: honor year and that was stressful, it's like next level

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Speaker 2: to finish your like your piece of worse work or

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Speaker 2: your thesis, then you have.

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Speaker 4: To like apply and have viewed to be published. Like

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Speaker 4: that's a completely different ball game and so stressful. So

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Speaker 4: congrats because that's actually such a huge feat. That's huge,

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Speaker 4: like my receiving hairline. Yes, exactly, thank you, thank you.

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Speaker 4: All right, let's move on because I'm excited, Jess. You

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Speaker 4: said earlier that you have some pretty good community money

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Speaker 4: wins to share. Let's kick it off.

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Speaker 5: I'm going to start off with one that I'm quite

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Speaker 5: jealous of from Nat, who's.

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Speaker 4: Oh, that's what it is, money win.

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Speaker 5: I've just found out I've been picked to work in Antarctica. Whoa,

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Speaker 5: she has to pass all sorts of tests and it

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Speaker 5: will be very cold, but the money will be super

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Speaker 5: worth it, as well as the experience.

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Speaker 4: Excuse me, sorry, Like, how cool is our community?

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Speaker 2: I know that's so cool.

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Speaker 4: I always wanted. We've got people doing cockatoo research projects.

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Speaker 4: We've got somebody going to Antarctica. Like, yes, you guys

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Speaker 4: are so.

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Speaker 5: Cool, fairy tail, I know, I'm very very gelalous. Have

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Speaker 5: a great time, Nat. Next, I've got a money win

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Speaker 5: from Sophie who said she entered a competition on Instagram

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Speaker 5: where you gets a number between one and a hundred.

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Speaker 5: She guessed it correctly and she won a free nights

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Speaker 5: stay case.

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Speaker 4: My partner and I try.

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Speaker 5: To do a date night once a fortnight, so we

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Speaker 5: saved ourselves quite a bit of money by doing that.

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Speaker 4: That's actually so cool.

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Speaker 5: Yeah, And I feel like people sometimes say to people,

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Speaker 5: ever win Instagram competitions, and as a company that runs them,

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Speaker 5: sometimes people do in them, and.

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Speaker 4: It's so fun to tell me that they want them,

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Speaker 4: so nice win right, Yeah, so you can't join no beck,

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Speaker 4: Sorry you work here. Sorry rules sadly.

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Speaker 5: Next, I've got a money in from Amber, who said

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Speaker 5: she booked a media holiday by converting flybas points to

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Speaker 5: Velocity points, and she had flights and five nights accommodation

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Speaker 5: are fully covered. They just had to pay for the

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Speaker 5: additional three nights and a little of spending money for

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Speaker 5: their trip.

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Speaker 4: Oh. I love that. I have been points hacking to

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Speaker 4: hilt recently and just like doing all the maths for

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Speaker 4: the behind the scenes of like what my points are

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Speaker 4: worth if I like changed them to Velocity, or if

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Speaker 4: I bought gift cards, or like what that looks like

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Speaker 4: I've just been trying to make the most of it

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Speaker 4: because yeah, I feel like my points hacking era yeah yeah, yeah,

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Speaker 4: and I just want to be able to points hack,

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Speaker 4: not just on a credit card. Yeah, and there's lots

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Speaker 4: of free points. I also side notes, sorry, did you

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Speaker 4: know that you can add your fly buys to your

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Speaker 4: Apple wallet? Yeah? Oh, look at this, Look at this.

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Speaker 4: My flybys is just on my Apple wallet every single time.

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Speaker 4: I'm going to see myself out.

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Speaker 5: Next, I've got a money in from Sheridan who said

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Speaker 5: money win. I found chocolate bars and chocolate blocks in

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Speaker 5: the clearance section of my local BW, so I've stashed

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Speaker 5: them away for Easter. We've got four kids and chocolate

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Speaker 5: is halla expensive this year. Side note, has anybody's seen

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Speaker 5: the price of Eastern chocolate yet?

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Speaker 6: Shooked?

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Speaker 2: She is discussed and even like a block of chocolate

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Speaker 2: seven dollars.

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Speaker 5: Sorry, a big block of Capri dairy milk is now

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Speaker 5: eight dollars and big or like a family block, okay,

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Speaker 5: eight dollars like maybe a year ago it was five

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Speaker 5: dollars a block.

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Speaker 4: Yes, I feel like five dollars in my head is

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Speaker 4: what a block of chocolate costs. Yeah, big like, that's

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Speaker 4: to me a sweet tree.

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Speaker 2: It's like it's a huge yes, But those like those

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Speaker 2: regular blocks of chocolates seven dollars.

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Speaker 4: I'm really sorry that should be illegal. I know Easter

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Speaker 4: chocolate should not be subject to inflation. I'm sorry. We're

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Speaker 4: in the cost of living crisis and we all know

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Speaker 4: that kids benefit from Easter chocolate as well as Jessica Ricci.

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Speaker 4: It should not cost more each year. It's crazy.

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Speaker 5: I saw someone post about it online. So you know

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Speaker 5: the linked bunny rabbit, Yeah, little little small gold ones

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Speaker 5: and yes, lint is normally like a little bit.

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Speaker 4: Link bunnies are the bee one correct.

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Speaker 5: On special at Coal's they were two for twenty five.

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Speaker 4: Special. That's not on, that's not on.

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Speaker 5: I couldn't believe it, like the you know how you

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Speaker 5: get that that's what my mum gave me a like

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Speaker 5: twenty dollars.

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Speaker 4: Absolutely not.

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Speaker 5: I was what's a humpty dumpty cost one moment?

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Speaker 2: Yeah, really, I really need to know what a humpty

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Speaker 2: dumpty cost?

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Speaker 4: A humpty dumpty iconic?

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Speaker 2: What about these little egg boxes?

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Speaker 4: And also, while we're on the chocolate train, one of

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Speaker 4: my favorite things, and I know one of jess Goci's

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Speaker 4: favorite things at Easter time is the Malteser Bunny multi

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Speaker 4: bunny checkout, Malteser Baby to check out. It's a dollar.

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Speaker 4: It's a dollar. You get your little Malteser Bunny. Jessica,

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Speaker 4: it's kick cat. Oh they've changed it. It's not a

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Speaker 4: Malteser bunny anymore. It is a cat bunny. And that

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Speaker 4: should have been illegal because I picked one up. I

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Speaker 4: wasn't looking. I was at checkout. I'm an impulse purchaser,

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Speaker 4: so I was like, yeah, I want a Malteser Bunny.

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Speaker 4: I deserve this sweet treat. On my drive home, pick

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Speaker 4: it up, don't even think about it check out. I'm

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Speaker 4: like eating it, thinking this doesn't have the same crunch

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Speaker 4: Like there's not the crispy bits you know in the

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Speaker 4: malt Teser one, if you know, you know, like the

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Speaker 4: little crunchy boy, like the bull bits. That's my favorite.

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Speaker 4: I don't even care that it gets stuck in my teeth.

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Speaker 4: It's my favorite.

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Speaker 2: It's it's great when you get stuck, you teeth get

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00:16:57,000 --> 00:16:58,120
Speaker 2: a little bits a flavor throughout that.

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Speaker 4: This has gotten stingy. This has gotten bad to the

381
00:17:01,840 --> 00:17:03,960
Speaker 4: point where I checked the wrapper and it said kickat

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Speaker 4: and I was like, hold up, I just got I

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Speaker 4: just got duped.

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Speaker 5: You nine dollars fifty this year. I know what it

385
00:17:12,480 --> 00:17:16,840
Speaker 5: was previously. Oh that feels like two grand.

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Speaker 4: That's that's little. And look at that. That's not even No,

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Speaker 4: that's the little one.

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Speaker 2: I'm sure it was five dollars at some point in

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Speaker 2: my lifetime.

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Speaker 4: Yeah, I feel like or Easter chocolate should be.

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Speaker 5: I'm just really surprised by the prices this year. So

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00:17:27,960 --> 00:17:30,320
Speaker 5: extra good win there from Sheridan to pick up something

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Speaker 5: and stashed away for later.

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Speaker 2: H my god, sorry Sheridan, I forgot where we started.

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Speaker 4: My goodness. Also di I wise like Easter di wise

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00:17:38,560 --> 00:17:41,399
Speaker 4: this year, I think are in Yeah, like finding little

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00:17:41,400 --> 00:17:45,800
Speaker 4: baskets and stuff on Facebook and the little chicks, Yes,

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Speaker 4: the chips from the reject shop.

399
00:17:47,400 --> 00:17:51,240
Speaker 5: Yeah, what else you got, Chess, I've got money in

400
00:17:51,280 --> 00:17:53,920
Speaker 5: from Mikayla, who said she challenged a parking ticket and

401
00:17:53,960 --> 00:17:54,520
Speaker 5: she won.

402
00:17:54,840 --> 00:17:56,320
Speaker 4: She said, got the law and a.

403
00:17:58,680 --> 00:18:01,640
Speaker 5: No ninety dollars sign for her. She's say, well, I'm Kayla,

404
00:18:01,720 --> 00:18:02,360
Speaker 5: stick to the man.

405
00:18:02,680 --> 00:18:04,399
Speaker 4: Oh my gosh, I actually am going to do that

406
00:18:04,440 --> 00:18:06,679
Speaker 4: this week too. The other day, Jess and I went

407
00:18:06,720 --> 00:18:09,320
Speaker 4: to Plarties together and I ended up with a parking ticket.

408
00:18:09,600 --> 00:18:12,800
Speaker 4: I was off it and I just realized that it

409
00:18:12,880 --> 00:18:16,400
Speaker 4: happened one minute like on their thing, it happened one

410
00:18:16,440 --> 00:18:18,120
Speaker 4: minute after the allocated time.

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Speaker 2: Oh you can just say that you're after I mean,

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00:18:24,000 --> 00:18:27,440
Speaker 2: I was fined. No, but you could be like I

413
00:18:27,600 --> 00:18:29,719
Speaker 2: was getting a new ticket orderer.

414
00:18:30,160 --> 00:18:32,440
Speaker 4: Yeah, Like I just I give it a crack. I'm

415
00:18:32,480 --> 00:18:34,639
Speaker 4: going to give it a crack because I was so

416
00:18:34,680 --> 00:18:36,520
Speaker 4: salty on it because at the time, I was like,

417
00:18:36,560 --> 00:18:38,840
Speaker 4: I really don't think I'd overstated it. I didn't think

418
00:18:38,880 --> 00:18:42,280
Speaker 4: it was that like that close. I was like Plati's

419
00:18:42,280 --> 00:18:45,000
Speaker 4: class was like an hour. The parking spot was like

420
00:18:45,680 --> 00:18:50,160
Speaker 4: an hour, so yes, but I did run in late, remember,

421
00:18:50,280 --> 00:18:54,000
Speaker 4: like we ran down the street. So anyway, that's me.

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Speaker 4: I just don't want to pay it, Mum, I know

423
00:18:57,119 --> 00:18:58,560
Speaker 4: I don't like I could find that.

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00:18:59,080 --> 00:19:00,960
Speaker 5: And last night It's a month of Money one from Gabrielle,

425
00:19:00,960 --> 00:19:03,680
Speaker 5: who said money Win Disney's price jump of three dollars

426
00:19:03,680 --> 00:19:05,400
Speaker 5: per month was just too much for us, So we're

427
00:19:05,440 --> 00:19:08,280
Speaker 5: canceling our eighteen dollars per month subscription, which will save

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00:19:08,359 --> 00:19:09,880
Speaker 5: us two hundred and fifteen dollars.

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Speaker 4: A Yeah, that's actually really good. Yeah, exactly little essentially,

430
00:19:14,119 --> 00:19:17,720
Speaker 4: so good money win tip for people with kids. Obviously

431
00:19:17,760 --> 00:19:20,359
Speaker 4: you can't share Netflix anymore, but you can still share

432
00:19:20,400 --> 00:19:22,320
Speaker 4: Disney and you can do that with all of the

433
00:19:22,359 --> 00:19:24,560
Speaker 4: other mums in mum good scroup. Not that I would

434
00:19:24,640 --> 00:19:26,520
Speaker 4: do that, definitely, I wouldn't do that.

435
00:19:26,680 --> 00:19:28,320
Speaker 2: Also, I do want to say Netflix with ads is

436
00:19:28,320 --> 00:19:30,000
Speaker 2: what I'm paying. It's like eight dollars a month, which

437
00:19:30,040 --> 00:19:32,960
Speaker 2: is still like that was the original price, and that's fine,

438
00:19:33,119 --> 00:19:35,640
Speaker 2: but it's there's honestly not that many ads. And also

439
00:19:35,680 --> 00:19:37,280
Speaker 2: I kind of like it a it's a little like intermission.

440
00:19:38,240 --> 00:19:41,080
Speaker 4: We and our team definitely would not share our logins

441
00:19:41,160 --> 00:19:47,639
Speaker 4: to different platforms. We would we would never never save money, never, no, no,

442
00:19:48,320 --> 00:19:53,080
Speaker 4: except for Netflix, which we tried and it still doesn't work.

443
00:19:53,720 --> 00:19:54,560
Speaker 2: Can you just be traveling?

444
00:19:55,240 --> 00:19:57,439
Speaker 4: Yeah, I'm always traveling, But then it sends you like

445
00:19:57,480 --> 00:20:01,719
Speaker 4: a code to your emails. It's a whole thing like

446
00:20:01,760 --> 00:20:04,000
Speaker 4: not that we would have tried. We definitely we've never

447
00:20:04,000 --> 00:20:05,920
Speaker 4: tried praying for all of our own subscriptions.

448
00:20:06,000 --> 00:20:06,520
Speaker 2: Absolutely.

449
00:20:06,960 --> 00:20:09,240
Speaker 4: All right, let's move on, Miss becksa ed. I think

450
00:20:09,280 --> 00:20:11,760
Speaker 4: that was a good break tip from me, but what.

451
00:20:12,400 --> 00:20:14,960
Speaker 2: To the table snatched one right out of my hands.

452
00:20:15,880 --> 00:20:18,520
Speaker 2: So I've got, as always, two from the community, one

453
00:20:18,520 --> 00:20:20,840
Speaker 2: for myself. This first one comes from Hannah, who sent

454
00:20:20,880 --> 00:20:23,800
Speaker 2: me a reel of It's very funny. It's very on

455
00:20:23,880 --> 00:20:27,199
Speaker 2: my alley. This brand called nineteen twenty. They sell what

456
00:20:27,280 --> 00:20:29,239
Speaker 2: looks to be like a bag that also turns into

457
00:20:29,280 --> 00:20:33,320
Speaker 2: a raincoat. And this bag you can, like if you're traveling.

458
00:20:33,440 --> 00:20:35,040
Speaker 2: This is more so if you're traveling. I suppose like

459
00:20:35,080 --> 00:20:37,080
Speaker 2: you just chuck all your things in the bag and

460
00:20:37,119 --> 00:20:40,240
Speaker 2: then when you put the raincoat on to get onto

461
00:20:40,280 --> 00:20:42,560
Speaker 2: the plane or whatever, so you don't have any checking baggage.

462
00:20:42,720 --> 00:20:46,199
Speaker 2: The pockets are so deep, but the whole thing's puffy,

463
00:20:46,280 --> 00:20:48,600
Speaker 2: so you wouldn't even notice if you had a whole

464
00:20:48,680 --> 00:20:50,679
Speaker 2: last laptop in one of your pockets. Like it just

465
00:20:50,720 --> 00:20:52,920
Speaker 2: like kind of all blends in. Yeah, I can send

466
00:20:52,920 --> 00:20:54,960
Speaker 2: this like and you can, you know, put it where

467
00:20:55,040 --> 00:20:56,720
Speaker 2: you like, But just that people have an idea of

468
00:20:56,760 --> 00:21:00,040
Speaker 2: what I'm talking about. It's a big, puffy long I

469
00:21:00,080 --> 00:21:02,680
Speaker 2: would say, yeah, like a Poppa jacket, because.

470
00:21:02,480 --> 00:21:03,320
Speaker 5: I was gonna say, what do you do with the

471
00:21:03,320 --> 00:21:05,840
Speaker 5: stuff that was in the bag? When yes, from bag.

472
00:21:05,640 --> 00:21:09,920
Speaker 2: Too, and exactly, well, that is all for your gigantic pockets.

473
00:21:10,560 --> 00:21:13,840
Speaker 2: So you can either put all your clothes on or

474
00:21:14,160 --> 00:21:16,560
Speaker 2: literally stuff them in the pockets and you're good to go.

475
00:21:16,920 --> 00:21:19,720
Speaker 2: You'll probably be taking up a lot of real estate,

476
00:21:19,840 --> 00:21:21,280
Speaker 2: but it doesn't look weird.

477
00:21:21,560 --> 00:21:22,760
Speaker 5: Yeah, and then when you're on the plane, you can

478
00:21:22,760 --> 00:21:24,040
Speaker 5: put it back in the bag, so you don't have

479
00:21:24,040 --> 00:21:24,960
Speaker 5: to wear exactly.

480
00:21:25,000 --> 00:21:26,640
Speaker 2: You just fold that back up into a bag.

481
00:21:26,760 --> 00:21:28,440
Speaker 5: That is genius. It's so funny though, I was like,

482
00:21:28,440 --> 00:21:30,040
Speaker 5: why would you be putting a ring? It doesn't rain

483
00:21:30,119 --> 00:21:32,320
Speaker 5: on the plane.

484
00:21:31,840 --> 00:21:37,080
Speaker 2: It doesn't. You're scared and you're crying. So this next

485
00:21:37,080 --> 00:21:40,199
Speaker 2: one comes from Emma who says that her and her

486
00:21:40,200 --> 00:21:44,200
Speaker 2: partner do this thing called Invisible Guest kind of like it's.

487
00:21:44,000 --> 00:21:46,040
Speaker 4: Like it's yeah, it's kind of like mystery shopping.

488
00:21:46,119 --> 00:21:49,080
Speaker 2: Yes, exactly exactly. So you sign up, you do have

489
00:21:49,119 --> 00:21:51,359
Speaker 2: to be like relatively good at writing because they do

490
00:21:51,560 --> 00:21:53,960
Speaker 2: kind of like check to make sure that you're You

491
00:21:54,280 --> 00:21:56,479
Speaker 2: basically go in and you have to review everything. But

492
00:21:56,600 --> 00:21:58,240
Speaker 2: when I say review, I mean like not even just

493
00:21:58,280 --> 00:22:00,720
Speaker 2: the food, like the entry and it's like, is there

494
00:22:00,920 --> 00:22:04,159
Speaker 2: like clear signs to the toilets like everything?

495
00:22:04,240 --> 00:22:04,480
Speaker 4: Yeah?

496
00:22:04,480 --> 00:22:06,439
Speaker 2: Cool? So you be on, but you can also just

497
00:22:06,480 --> 00:22:09,240
Speaker 2: like wear a GoPro and secretly film everyone.

498
00:22:09,640 --> 00:22:12,080
Speaker 4: Like you nodded it out, producer, because we all know that,

499
00:22:12,160 --> 00:22:14,720
Speaker 4: like our producer actually does that, and like that's like

500
00:22:14,880 --> 00:22:17,679
Speaker 4: from her. She's like very she's on the money. Coded

501
00:22:17,760 --> 00:22:19,159
Speaker 4: oh yeah, oh we read this.

502
00:22:20,440 --> 00:22:22,760
Speaker 2: And the benefit is that you get invited all these

503
00:22:22,800 --> 00:22:25,240
Speaker 2: different restaurants and you get like a certain amount to spend.

504
00:22:25,280 --> 00:22:27,159
Speaker 2: It's not like thirty bucks. It's probably like you know,

505
00:22:27,400 --> 00:22:30,040
Speaker 2: in a couple of one hundred. Yeah, yeah, it's wild.

506
00:22:30,320 --> 00:22:30,959
Speaker 2: It is wild.

507
00:22:31,119 --> 00:22:35,200
Speaker 4: So I would definitely review my dinner for a free dinner. Absolutely,

508
00:22:35,320 --> 00:22:38,800
Speaker 4: I would review invisible guest. Invisible Guests, you sign up.

509
00:22:39,000 --> 00:22:40,760
Speaker 2: I believe there's like a bit of a wait list,

510
00:22:40,800 --> 00:22:43,280
Speaker 2: but you just sign up anyway, sign up right.

511
00:22:43,160 --> 00:22:45,199
Speaker 4: Now, sign up, and then if you get on, you

512
00:22:45,280 --> 00:22:47,880
Speaker 4: get on, and then yeah, your partner can have free

513
00:22:47,960 --> 00:22:50,359
Speaker 4: date night exactly.

514
00:22:50,600 --> 00:22:53,520
Speaker 2: It's kind of cute because I loved reminisce and debrief

515
00:22:53,640 --> 00:22:56,200
Speaker 2: after a date and so even if it's just literally.

516
00:22:56,200 --> 00:23:01,480
Speaker 4: Literally just like reminiscing and you're like actually sharing that, well,

517
00:23:01,480 --> 00:23:03,680
Speaker 4: I'm technically being paid for this exactly.

518
00:23:04,160 --> 00:23:06,680
Speaker 2: And then we kissed under the Moodlight.

519
00:23:08,280 --> 00:23:11,240
Speaker 4: Reviews would be so detailed. They'd be like, this actually

520
00:23:11,280 --> 00:23:20,080
Speaker 4: has nothing. Why was she sharing what she was thinking about?

521
00:23:20,359 --> 00:23:24,240
Speaker 4: The ice cubes in my bitters were perfectly shaped.

522
00:23:24,920 --> 00:23:28,240
Speaker 2: Her eyes were listening, and I would just be talking

523
00:23:28,240 --> 00:23:30,640
Speaker 2: about my visceral reaction to everything. Anyway. Yeah, but yes,

524
00:23:30,720 --> 00:23:32,679
Speaker 2: so I think it's really really great. And then the

525
00:23:32,720 --> 00:23:34,919
Speaker 2: next one is because you know, it's kind of like

526
00:23:34,960 --> 00:23:37,119
Speaker 2: I'm clean onto valopan and stand but you guys, But

527
00:23:37,840 --> 00:23:39,320
Speaker 2: I always want to preface this by saying, like I

528
00:23:39,680 --> 00:23:42,400
Speaker 2: never mentioned these things like give myself like a paddleback

529
00:23:42,440 --> 00:23:44,120
Speaker 2: or a round of a pause. I literally just.

530
00:23:44,080 --> 00:23:45,760
Speaker 4: I literally don't think that you do.

531
00:23:45,720 --> 00:23:48,000
Speaker 2: Okay, I literally want to tell people.

532
00:23:48,160 --> 00:23:50,159
Speaker 4: I want I want to know what you did on

533
00:23:50,200 --> 00:23:52,960
Speaker 4: your Valentine's Day and how it worked and your tips

534
00:23:52,960 --> 00:23:55,680
Speaker 4: and tricks. Because I booked a beautiful dinner for my

535
00:23:55,800 --> 00:23:57,960
Speaker 4: husband and I and then I had gastro so that

536
00:23:58,080 --> 00:24:02,800
Speaker 4: was my Yes, well you know, so tell me what

537
00:24:02,880 --> 00:24:03,360
Speaker 4: did you do?

538
00:24:03,680 --> 00:24:05,159
Speaker 2: So I'll just give you one because I don't want

539
00:24:05,200 --> 00:24:08,439
Speaker 2: to bore the people. So I we decided to reboard.

540
00:24:08,480 --> 00:24:12,080
Speaker 2: We're like, what next, you guys, So we decided not

541
00:24:12,119 --> 00:24:14,600
Speaker 2: to buy anything we're just going to make stuff, and

542
00:24:14,640 --> 00:24:17,040
Speaker 2: so I got literally I'm not joking. Also, if anyone

543
00:24:17,040 --> 00:24:19,400
Speaker 2: doesn't know this, you can get free cardboard boxes from Bunnings,

544
00:24:19,760 --> 00:24:22,399
Speaker 2: like moving boxes. So I went and got cardboard boxes

545
00:24:22,440 --> 00:24:25,200
Speaker 2: from Bunnings. I got some fabric glue, some fabric from Spotlight.

546
00:24:27,080 --> 00:24:30,440
Speaker 2: Buy the fabric from Spotlight. She's circumventing the rules here.

547
00:24:30,520 --> 00:24:30,840
Speaker 4: I think.

548
00:24:30,920 --> 00:24:33,080
Speaker 2: I know that's true. But it wasn't that much money.

549
00:24:33,240 --> 00:24:36,320
Speaker 2: You can tell adjusts, It's okay exactly. So you just

550
00:24:36,320 --> 00:24:38,720
Speaker 2: get some cheap fabric, whatever color you like. And what

551
00:24:38,760 --> 00:24:41,160
Speaker 2: I did was I like built this, like not built.

552
00:24:41,200 --> 00:24:43,000
Speaker 2: I'm saying, like, oh my god, I'm so anyway, I

553
00:24:43,160 --> 00:24:46,840
Speaker 2: made this old school chocolate box. You know, there's like,

554
00:24:46,880 --> 00:24:51,000
Speaker 2: you know, heart shaped chocolate boxes, literally just cardboard and paper,

555
00:24:51,359 --> 00:24:52,560
Speaker 2: duct tape and.

556
00:24:52,680 --> 00:24:55,040
Speaker 4: Fabric covered it in fabric. And then if you.

557
00:24:55,280 --> 00:24:56,639
Speaker 2: Are ever at a point where you can afford a

558
00:24:56,640 --> 00:24:58,640
Speaker 2: Ferrero a share, then maybe you can.

559
00:24:58,600 --> 00:25:02,320
Speaker 4: Chuck those or a share boogie. That's actually Jess's favorite chocolate.

560
00:25:02,440 --> 00:25:06,200
Speaker 2: Yes, but if only never buy them for yourself, which

561
00:25:06,240 --> 00:25:08,119
Speaker 2: I respect. But I think you're allowed to.

562
00:25:08,960 --> 00:25:10,880
Speaker 4: I think you're allowed to. But I just don't think

563
00:25:10,880 --> 00:25:11,960
Speaker 4: that they would taste as good.

564
00:25:12,119 --> 00:25:14,000
Speaker 2: No, they wouldn't taste as good. That's so true.

565
00:25:14,280 --> 00:25:16,720
Speaker 4: I just I feel like the flavor would be off, but.

566
00:25:16,640 --> 00:25:18,440
Speaker 2: The taste as good if you're buying for someone else

567
00:25:18,440 --> 00:25:19,399
Speaker 2: and you're eating them.

568
00:25:19,840 --> 00:25:22,520
Speaker 4: Yeah, absolutely. I also feel like I'm convinced if you

569
00:25:22,560 --> 00:25:25,520
Speaker 4: purchased them for yourself and took them home, you'd open

570
00:25:25,560 --> 00:25:28,240
Speaker 4: the Ferrero Ro share and I can almost guarantee it

571
00:25:28,240 --> 00:25:29,920
Speaker 4: would be one of those ones with the little white

572
00:25:29,920 --> 00:25:30,840
Speaker 4: spots on them.

573
00:25:31,040 --> 00:25:31,880
Speaker 2: Yeah, that's true.

574
00:25:31,960 --> 00:25:34,280
Speaker 4: Get got, you'd get got? Would that would be calmer?

575
00:25:34,560 --> 00:25:34,879
Speaker 5: Yeah?

576
00:25:34,880 --> 00:25:40,879
Speaker 4: For buying your own.

577
00:25:38,680 --> 00:25:40,760
Speaker 2: Exactly, not allowed. But yeah, and then you can fill

578
00:25:40,800 --> 00:25:42,159
Speaker 2: that with whatever the hell you want. You can do

579
00:25:42,240 --> 00:25:44,520
Speaker 2: little notes, you can make little chocolates at home, do

580
00:25:44,600 --> 00:25:48,520
Speaker 2: it cheap. Get some Aldi chocolate, anti chocolates. Good chocolate

581
00:25:48,600 --> 00:25:51,960
Speaker 2: is elite. Yes, But yeah, so that's that's that's my

582
00:25:52,720 --> 00:25:56,080
Speaker 2: gift broke tip is make make Make.

583
00:25:56,359 --> 00:25:58,840
Speaker 4: I love that and also free cardboard boxes at Bunnings

584
00:25:58,840 --> 00:26:00,720
Speaker 4: for your craft. It's true.

585
00:26:00,880 --> 00:26:02,080
Speaker 2: Mainly, that's a good one.

586
00:26:02,160 --> 00:26:03,720
Speaker 4: That's a good one. All right, guys, let's go to

587
00:26:03,760 --> 00:26:05,960
Speaker 4: a really quick break because I am chomping at the

588
00:26:05,960 --> 00:26:08,280
Speaker 4: bit to get into what we're talking about this week

589
00:26:08,480 --> 00:26:10,840
Speaker 4: a money dilemma all about how to get a better

590
00:26:10,920 --> 00:26:13,159
Speaker 4: rate on your mortgage, which you guys know I'm wildly

591
00:26:13,200 --> 00:26:15,520
Speaker 4: passionate about. But on the flip side, then we get

592
00:26:15,520 --> 00:26:17,119
Speaker 4: to have a chat about something that's leading to our

593
00:26:17,200 --> 00:26:19,280
Speaker 4: dms out and we're chatting whether you should start a

594
00:26:19,280 --> 00:26:21,880
Speaker 4: side hustle with a friend. Don't go anywhere.

595
00:26:26,359 --> 00:26:29,119
Speaker 5: Welcome back, everybody. Let's take a listen to this week's

596
00:26:29,160 --> 00:26:30,200
Speaker 5: money dilemma.

597
00:26:32,320 --> 00:26:32,480
Speaker 2: Hi.

598
00:26:32,600 --> 00:26:35,320
Speaker 4: There, have you got a money dilemma you just can't solve?

599
00:26:35,520 --> 00:26:37,680
Speaker 4: The Sheese on the Money team is here to help.

600
00:26:38,040 --> 00:26:41,040
Speaker 7: Every week, we tackle your dilemmas, both big and small,

601
00:26:41,080 --> 00:26:44,160
Speaker 7: to answer your most burning money, career and life questions.

602
00:26:44,400 --> 00:26:46,880
Speaker 7: To get involved, simply head to our website and leave

603
00:26:46,960 --> 00:26:49,080
Speaker 7: us a short voice recording and you might just find

604
00:26:49,080 --> 00:26:51,840
Speaker 7: yourself on the show. Now, let's take a listen to

605
00:26:51,880 --> 00:26:53,080
Speaker 7: this week's money dilemma.

606
00:26:54,760 --> 00:26:58,480
Speaker 6: Hi, girls, I'm just looking to decarrise my interest rate

607
00:26:59,160 --> 00:27:03,760
Speaker 6: with my banks. I'm not wanting to do a full refinance,

608
00:27:04,200 --> 00:27:06,679
Speaker 6: as that's a lot right now, I don't have the

609
00:27:06,800 --> 00:27:11,080
Speaker 6: energy that I was just wondering how do I go

610
00:27:11,320 --> 00:27:15,160
Speaker 6: about calling up my own bank and just seeing if

611
00:27:15,440 --> 00:27:19,080
Speaker 6: I can get a lower interest rate currently on about

612
00:27:19,119 --> 00:27:23,480
Speaker 6: six point one four and I've seen online that they've

613
00:27:23,520 --> 00:27:28,199
Speaker 6: got ones available for you know, five point nine or

614
00:27:28,200 --> 00:27:31,400
Speaker 6: something like that, and I know it's not a huge difference,

615
00:27:31,440 --> 00:27:35,280
Speaker 6: but I still would like to take advantage of that.

616
00:27:35,800 --> 00:27:38,160
Speaker 6: Is there a certain amount of times that you can

617
00:27:38,280 --> 00:27:42,639
Speaker 6: do this? Is there a limit? I've just got heaps

618
00:27:42,640 --> 00:27:45,000
Speaker 6: of questions about it, and I really just need like.

619
00:27:44,960 --> 00:27:48,520
Speaker 4: A full overview of that. Thanks. This is a really

620
00:27:48,520 --> 00:27:51,640
Speaker 4: good question. First off, you said, oh, I don't want

621
00:27:51,640 --> 00:27:54,840
Speaker 4: to refinance at the moment, like that's too hard. If

622
00:27:54,840 --> 00:27:57,439
Speaker 4: you go and see a good mortgage broker, they do

623
00:27:57,520 --> 00:27:59,479
Speaker 4: all the work, like you don't have to do anything,

624
00:27:59,480 --> 00:28:03,440
Speaker 4: and you could get an even better rate. But you've asked, basically,

625
00:28:03,720 --> 00:28:06,119
Speaker 4: how do I get a better rate with my current bank?

626
00:28:06,320 --> 00:28:09,960
Speaker 4: You negotiate jess On our website, we have a free

627
00:28:10,359 --> 00:28:12,680
Speaker 4: template of how to negotiate a better deal, and you

628
00:28:12,720 --> 00:28:14,760
Speaker 4: can use it for like your car insurance. You could

629
00:28:14,840 --> 00:28:17,040
Speaker 4: use it for your gas and electricity. You could use

630
00:28:17,080 --> 00:28:18,760
Speaker 4: it to call your bank and say I want a

631
00:28:18,760 --> 00:28:20,639
Speaker 4: better rate. But what I would do is just pick

632
00:28:20,720 --> 00:28:22,600
Speaker 4: up the phone and have a chat to them and

633
00:28:22,640 --> 00:28:24,119
Speaker 4: say hey, Like, I just want to talk to the

634
00:28:24,200 --> 00:28:26,680
Speaker 4: right people about getting a better rate on my home

635
00:28:26,720 --> 00:28:30,480
Speaker 4: loan and not just taking the first no as a no,

636
00:28:30,640 --> 00:28:32,560
Speaker 4: because they're going to go, oh no, sorry, that's for

637
00:28:32,600 --> 00:28:35,040
Speaker 4: new customers only, or that's for you know, a limited

638
00:28:35,080 --> 00:28:37,719
Speaker 4: period of time or whatnot. But there is not an

639
00:28:37,840 --> 00:28:40,120
Speaker 4: issue with you saying oh no, Like if you can't

640
00:28:40,160 --> 00:28:42,480
Speaker 4: help me, can I please speak to someone who can.

641
00:28:42,800 --> 00:28:45,520
Speaker 4: It's like, whenever we are trying to negotiate something, the

642
00:28:45,560 --> 00:28:49,080
Speaker 4: most important thing to do is always maintain your call

643
00:28:49,280 --> 00:28:52,240
Speaker 4: like we aren't angry, we are super kind. I promise

644
00:28:52,320 --> 00:28:55,920
Speaker 4: you lose your temper, lose your opportunity, like you are

645
00:28:56,000 --> 00:28:59,000
Speaker 4: not going to be getting a single thing from anyone,

646
00:28:59,280 --> 00:29:01,680
Speaker 4: whether that is you know, a girl that you're asking

647
00:29:01,720 --> 00:29:04,600
Speaker 4: about a refund policy in a retail store or the

648
00:29:04,640 --> 00:29:06,920
Speaker 4: person that you're calling on the phone when talking to

649
00:29:06,960 --> 00:29:09,800
Speaker 4: the bank. I promise you. In the background, they're in

650
00:29:09,800 --> 00:29:12,040
Speaker 4: the lunch room being like this woman was so rude

651
00:29:12,080 --> 00:29:14,720
Speaker 4: to me, I was absolutely not going to help her,

652
00:29:15,240 --> 00:29:18,520
Speaker 4: Like I can't be bothered with that energy, not today, satan.

653
00:29:18,880 --> 00:29:20,760
Speaker 2: So you could ruin someone's day, which is also just

654
00:29:20,840 --> 00:29:21,840
Speaker 2: not nice one.

655
00:29:21,760 --> 00:29:24,600
Speaker 4: Hundred percent, like just not worth it. Be kind, but

656
00:29:24,760 --> 00:29:28,720
Speaker 4: then we are asking for a better rate and articulating

657
00:29:28,760 --> 00:29:32,800
Speaker 4: what you've seen online. So sometimes banks actually have policies

658
00:29:32,840 --> 00:29:35,640
Speaker 4: to say no, sorry, like I don't actually have a

659
00:29:35,640 --> 00:29:39,400
Speaker 4: better rate available for you, but if you mention the

660
00:29:39,480 --> 00:29:41,920
Speaker 4: rate that is advertised, they actually have to do something

661
00:29:42,000 --> 00:29:44,480
Speaker 4: about it. The same is actually true for your phone plan.

662
00:29:44,640 --> 00:29:47,320
Speaker 4: So if you called up your phone provider, a lot

663
00:29:47,360 --> 00:29:50,320
Speaker 4: of them are like, hey, cool, no, sorry, we can't help.

664
00:29:50,360 --> 00:29:53,560
Speaker 4: We can't help. But if you mentioned a competitors pricing

665
00:29:53,600 --> 00:29:56,440
Speaker 4: and said, oh, well, this other network is actually thirty

666
00:29:56,480 --> 00:29:58,960
Speaker 4: nine dollars a month, they go, oh okay, let me

667
00:29:59,000 --> 00:30:01,040
Speaker 4: put you through to our return team because you've like

668
00:30:01,080 --> 00:30:03,680
Speaker 4: triggered something in their process. So what I would do

669
00:30:03,840 --> 00:30:05,880
Speaker 4: is I'd be really clear and have some research in

670
00:30:05,920 --> 00:30:08,560
Speaker 4: front of you so you can without doubts say well, actually,

671
00:30:08,560 --> 00:30:11,200
Speaker 4: on your website it is advertised at four point eight four,

672
00:30:11,800 --> 00:30:13,920
Speaker 4: So I'm just wondering if I could get that. If

673
00:30:13,960 --> 00:30:16,600
Speaker 4: the person on the phone says no, again, we're being

674
00:30:16,640 --> 00:30:18,920
Speaker 4: super kind and saying thanks so much, I can see

675
00:30:18,920 --> 00:30:20,920
Speaker 4: that you can't help me. Is there someone that this

676
00:30:20,960 --> 00:30:23,440
Speaker 4: could be escalated to that I could discuss this with

677
00:30:23,760 --> 00:30:26,000
Speaker 4: and they might say oh no, sorry, like the buck

678
00:30:26,040 --> 00:30:28,600
Speaker 4: stops with me, and which point you can say you've tried.

679
00:30:29,080 --> 00:30:32,520
Speaker 4: But if it gets escalated, you can have that conversation

680
00:30:32,600 --> 00:30:34,360
Speaker 4: again and be like, hey, cool, the person before you

681
00:30:34,360 --> 00:30:36,720
Speaker 4: couldn't help, and I'm just wondering if this could be escalated.

682
00:30:36,760 --> 00:30:38,440
Speaker 4: I'd really like to be able to get a better

683
00:30:38,560 --> 00:30:42,320
Speaker 4: rate on my mortgage XYZ for whatever reason. You don't

684
00:30:42,320 --> 00:30:43,959
Speaker 4: even have to justify it. You can just ask for

685
00:30:44,000 --> 00:30:46,520
Speaker 4: a better rate, and if that doesn't work. Something that

686
00:30:46,560 --> 00:30:49,280
Speaker 4: can often be quite helpful is saying, Okay, no worries,

687
00:30:49,400 --> 00:30:51,800
Speaker 4: I have been thinking of leaving if I didn't get

688
00:30:51,840 --> 00:30:53,720
Speaker 4: a better rate. Yes, you don't have to leave. They're

689
00:30:53,760 --> 00:30:55,600
Speaker 4: not going to cancel your mortgage if you say that,

690
00:30:55,720 --> 00:30:57,320
Speaker 4: and banks are going to hate me for saying this.

691
00:30:57,800 --> 00:31:01,000
Speaker 4: But if you say that you are partently going to leave,

692
00:31:01,040 --> 00:31:03,240
Speaker 4: you are very likely going to be put through to

693
00:31:03,280 --> 00:31:06,560
Speaker 4: what they call their retention team, which want to give

694
00:31:06,600 --> 00:31:10,000
Speaker 4: people better deals so they don't leave. So calling them

695
00:31:10,040 --> 00:31:13,120
Speaker 4: up and saying like, hey, cool, well actually I don't know,

696
00:31:13,160 --> 00:31:16,120
Speaker 4: maybe i'll leave. Can you send me the release forms?

697
00:31:16,280 --> 00:31:19,480
Speaker 4: Because them just sending some forms doesn't mean you're signing

698
00:31:19,520 --> 00:31:22,520
Speaker 4: them and sending them back, but it does tell them no,

699
00:31:22,640 --> 00:31:25,200
Speaker 4: like seriously, I would consider other options and you will

700
00:31:25,240 --> 00:31:28,560
Speaker 4: lose my mortgage very likely to be put through to

701
00:31:28,600 --> 00:31:29,560
Speaker 4: the retention team.

702
00:31:29,640 --> 00:31:31,000
Speaker 2: Yes, I was going to say, like, is that a

703
00:31:31,040 --> 00:31:32,440
Speaker 2: thing if you call up and say, hey, you guys,

704
00:31:32,440 --> 00:31:34,840
Speaker 2: I am thinking refinancing. But I just wanted to see

705
00:31:34,880 --> 00:31:35,120
Speaker 2: if that.

706
00:31:35,200 --> 00:31:37,480
Speaker 4: Yeah, absolutely, you can say it however you would like,

707
00:31:37,480 --> 00:31:39,480
Speaker 4: there's six million different ways you could do it. But

708
00:31:39,600 --> 00:31:42,040
Speaker 4: like you could say, hey, I've been looking at refinancing,

709
00:31:42,080 --> 00:31:44,160
Speaker 4: but I wanted to give you guys the opportunity first

710
00:31:44,160 --> 00:31:46,520
Speaker 4: to give me a better rate, Like that might be

711
00:31:46,520 --> 00:31:48,560
Speaker 4: a really good way to go about it. You could

712
00:31:48,560 --> 00:31:50,680
Speaker 4: blame me and be like, oh, I've been listening to

713
00:31:50,720 --> 00:31:52,960
Speaker 4: this podcast and the woman on it keep saying that

714
00:31:53,000 --> 00:31:57,320
Speaker 4: we need to refinance. Excitingly, we had the first cash

715
00:31:57,400 --> 00:32:00,600
Speaker 4: rate drop, So the RBA announced this week first cash

716
00:32:00,680 --> 00:32:04,720
Speaker 4: rate drop since twenty twenty, which is so exciting, and

717
00:32:04,760 --> 00:32:06,760
Speaker 4: that means that the cash rate has now dropped to

718
00:32:06,840 --> 00:32:09,880
Speaker 4: four point one zero and that is going to bring

719
00:32:10,000 --> 00:32:11,560
Speaker 4: up a lot of questions for other people who are

720
00:32:11,560 --> 00:32:15,400
Speaker 4: thinking about refinancing. So side quest conversation, if you have

721
00:32:15,480 --> 00:32:18,320
Speaker 4: been thinking about refinancing, yes, now is the time to

722
00:32:18,360 --> 00:32:21,320
Speaker 4: think about it. In saying that right now the RBA

723
00:32:21,560 --> 00:32:24,160
Speaker 4: has said the cash rate has dropped, that doesn't mean

724
00:32:24,400 --> 00:32:27,240
Speaker 4: that the rate discounts have been passed on by your

725
00:32:27,240 --> 00:32:30,400
Speaker 4: bank yet either. So actually have some dates. So for

726
00:32:30,800 --> 00:32:35,880
Speaker 4: nab Anz, CBA and Bank West, all of those are

727
00:32:35,920 --> 00:32:40,600
Speaker 4: going to be articulating their rate discounts on the twenty

728
00:32:40,640 --> 00:32:43,960
Speaker 4: eighth of February. On the twenty seventh of February, U

729
00:32:44,040 --> 00:32:47,120
Speaker 4: Bank is going to be articulating THEIRS and then the

730
00:32:47,120 --> 00:32:51,640
Speaker 4: Bank of Melbourne wbcing those three banks are going to

731
00:32:51,640 --> 00:32:54,320
Speaker 4: be announcing it on the fourth of March. So if

732
00:32:54,320 --> 00:32:57,400
Speaker 4: you've been thinking about refinancing, the best thing to do

733
00:32:57,520 --> 00:32:59,600
Speaker 4: is actually have a chat with a broker now, but

734
00:32:59,760 --> 00:33:03,120
Speaker 4: not looking for a better rate until after the fourth

735
00:33:03,160 --> 00:33:05,400
Speaker 4: of March, when basically all the banks have put on

736
00:33:05,400 --> 00:33:08,080
Speaker 4: the table what their discount is going to be, so

737
00:33:08,120 --> 00:33:10,840
Speaker 4: that you're broker is able to get the best possible rate.

738
00:33:11,040 --> 00:33:13,320
Speaker 4: It's like in my business at the moment, we're actually

739
00:33:13,400 --> 00:33:16,560
Speaker 4: you know where possible, pushing clients off a little bit

740
00:33:16,600 --> 00:33:18,200
Speaker 4: and saying, hey, beck I know that we want to

741
00:33:18,200 --> 00:33:20,680
Speaker 4: like get you pre approval right now, Can you wait

742
00:33:20,760 --> 00:33:22,520
Speaker 4: till the fourth of March so we can get the

743
00:33:22,560 --> 00:33:26,240
Speaker 4: best possible deal, because if it's issued today, you'll get

744
00:33:26,280 --> 00:33:29,360
Speaker 4: a good deal, but it won't be including the new

745
00:33:29,600 --> 00:33:32,440
Speaker 4: RBA rate discount. Does that make sense? So, like, if

746
00:33:32,480 --> 00:33:35,360
Speaker 4: you're thinking about refining, now is actually a really good time.

747
00:33:35,680 --> 00:33:38,400
Speaker 4: In fact, because the RBA has dropped the cash rate,

748
00:33:38,560 --> 00:33:40,840
Speaker 4: that is going to mentally trigger a lot of people

749
00:33:40,880 --> 00:33:43,840
Speaker 4: to go and go, oh, I can rEFInd now the

750
00:33:43,880 --> 00:33:46,880
Speaker 4: cash rates dropped like that hasn't happened since twenty twenty,

751
00:33:47,080 --> 00:33:49,600
Speaker 4: So brokers are going to be busy. We are really busy,

752
00:33:49,760 --> 00:33:52,680
Speaker 4: but like we are so excited to refire so many

753
00:33:52,760 --> 00:33:55,080
Speaker 4: people's loans and get them better deals because I've been

754
00:33:55,160 --> 00:33:57,880
Speaker 4: chomping at the bit because it's just been going up

755
00:33:57,920 --> 00:34:00,640
Speaker 4: and up, like it's felt like we've got no And

756
00:34:01,320 --> 00:34:04,240
Speaker 4: this community member who's sent us a really sweet voicemail,

757
00:34:04,440 --> 00:34:07,880
Speaker 4: she said, oh, it's not much. Actually it is, like

758
00:34:08,360 --> 00:34:11,280
Speaker 4: that amount, even though it's like less than a percent

759
00:34:11,560 --> 00:34:14,680
Speaker 4: different is actually going to mean tens of thousands of

760
00:34:14,680 --> 00:34:17,600
Speaker 4: dollars of savings in the long term for you. So

761
00:34:17,760 --> 00:34:21,920
Speaker 4: even though you might go, oh, like it doesn't actually matter.

762
00:34:22,160 --> 00:34:24,400
Speaker 4: The difference between a six point eight to four interest

763
00:34:24,480 --> 00:34:26,520
Speaker 4: rate and a six point two to four interest rate

764
00:34:26,640 --> 00:34:29,160
Speaker 4: is actually significant. You might not go, oh, well, it

765
00:34:29,200 --> 00:34:31,400
Speaker 4: starts with six, so they're both the same. Like I

766
00:34:31,480 --> 00:34:34,239
Speaker 4: get it, and like in the bigger picture for you,

767
00:34:34,320 --> 00:34:37,560
Speaker 4: maybe like things are fluctuating, but like, I'm just so

768
00:34:37,800 --> 00:34:40,759
Speaker 4: keen to save so many clients. Heaps the cash and

769
00:34:40,800 --> 00:34:43,240
Speaker 4: it's going to be We're keeping a tracker in the office.

770
00:34:43,280 --> 00:34:45,560
Speaker 4: I'm just so excited about it. Yeah, how many we

771
00:34:45,600 --> 00:34:46,600
Speaker 4: save clients this week?

772
00:34:47,280 --> 00:34:48,759
Speaker 2: I mean, mortgages will go down.

773
00:34:48,840 --> 00:34:52,640
Speaker 4: Mortgages are going to go down. Rent not rent. It

774
00:34:52,719 --> 00:34:56,000
Speaker 4: does mean actually a cash rate drop. Side note, cash

775
00:34:56,080 --> 00:34:58,799
Speaker 4: rate drop actually means that your savings account is going

776
00:34:58,840 --> 00:35:01,680
Speaker 4: to see a decrease in any interest rate that's applied.

777
00:35:02,239 --> 00:35:05,400
Speaker 4: So when a cash rate drop happens, it's actually saying

778
00:35:05,440 --> 00:35:08,000
Speaker 4: that our economy is stabilizing. It's a really good thing.

779
00:35:08,360 --> 00:35:11,600
Speaker 4: But that means that property prices are probably going to increase,

780
00:35:11,760 --> 00:35:15,120
Speaker 4: which is not that sexy. But it does mean you'll

781
00:35:15,160 --> 00:35:17,799
Speaker 4: increase your serviceability, so you'll be able to borrow more

782
00:35:17,840 --> 00:35:21,000
Speaker 4: money because when cash is cheap, you're able to borrow more.

783
00:35:21,239 --> 00:35:23,960
Speaker 4: And it does mean that your savings account is going

784
00:35:24,040 --> 00:35:26,640
Speaker 4: to start decreasing. So I feel like over the last

785
00:35:26,719 --> 00:35:29,400
Speaker 4: four or five years, we've had really good savings rates,

786
00:35:29,640 --> 00:35:31,440
Speaker 4: so we've been able to Sorry, this is like a

787
00:35:31,440 --> 00:35:34,280
Speaker 4: complete finance side note, but I'm hoping it's semi interesting.

788
00:35:34,560 --> 00:35:37,840
Speaker 4: We have had really great interest rates on our savings

789
00:35:37,840 --> 00:35:41,400
Speaker 4: accounts because our economy has been a little bit tumultuous, right,

790
00:35:41,480 --> 00:35:44,880
Speaker 4: and like during times of economic stress, which you know

791
00:35:44,920 --> 00:35:47,240
Speaker 4: we've been talking, you've probably heard it around the traps.

792
00:35:47,239 --> 00:35:48,799
Speaker 4: People are saying like, oh, we had it for a

793
00:35:48,840 --> 00:35:52,520
Speaker 4: recession and all of that stuff thankfully didn't happen in Australia.

794
00:35:52,640 --> 00:35:56,600
Speaker 4: But people stop investing as harshly, people stop purchasing as

795
00:35:56,600 --> 00:35:59,920
Speaker 4: many houses, people stop transacting as much, and they want

796
00:35:59,920 --> 00:36:02,320
Speaker 4: to keep all their money in a savings account because

797
00:36:02,320 --> 00:36:04,040
Speaker 4: the interest rate is a little bit higher and it

798
00:36:04,080 --> 00:36:06,839
Speaker 4: feels really cozy. But now is the time that you

799
00:36:06,920 --> 00:36:10,520
Speaker 4: actually need to start considering what your investment plan is right,

800
00:36:10,640 --> 00:36:13,560
Speaker 4: because if the interest rates are coming down and the

801
00:36:13,560 --> 00:36:16,120
Speaker 4: cash rate is coming down, your savings aren't going to

802
00:36:16,120 --> 00:36:19,000
Speaker 4: be getting as many interest rates and the economy is

803
00:36:19,040 --> 00:36:22,480
Speaker 4: going to start coming back up. So now's the time

804
00:36:22,560 --> 00:36:24,840
Speaker 4: if you haven't been investing, or you have been thinking

805
00:36:24,920 --> 00:36:28,520
Speaker 4: about investing and you're just not sure, Like I would say,

806
00:36:29,040 --> 00:36:31,160
Speaker 4: can you just get in now. I'm not saying that

807
00:36:31,320 --> 00:36:33,760
Speaker 4: there's ever a good time or a bad time to invest,

808
00:36:33,800 --> 00:36:36,239
Speaker 4: because from my perspective, the best time to invest is

809
00:36:36,280 --> 00:36:38,600
Speaker 4: when you are personally ready. I don't care because we're

810
00:36:38,640 --> 00:36:43,160
Speaker 4: dollar cost averaging, but just come on, come.

811
00:36:43,000 --> 00:36:43,560
Speaker 5: On, do it.

812
00:36:43,800 --> 00:36:47,000
Speaker 4: Just consider what your own investment plans are, have a

813
00:36:47,000 --> 00:36:49,319
Speaker 4: look at your super make sure it's invested. Anyway, I've

814
00:36:49,320 --> 00:36:52,120
Speaker 4: just got lots to say about investing. I'm probably excited

815
00:36:52,200 --> 00:36:54,520
Speaker 4: because I was talking to the girls in the team

816
00:36:54,600 --> 00:36:56,839
Speaker 4: that she's on the Money Team yesterday because we're re

817
00:36:56,840 --> 00:37:00,160
Speaker 4: releasing our Investing masterclass, and like we're talking about what

818
00:37:00,239 --> 00:37:02,279
Speaker 4: bonus content can we do, how do we redo this,

819
00:37:02,360 --> 00:37:04,600
Speaker 4: how do we make it even better? And I'm really

820
00:37:04,600 --> 00:37:09,120
Speaker 4: excited about that. Sorry, Sorry, Let's move on to the

821
00:37:09,200 --> 00:37:11,719
Speaker 4: DM we got this week, because I'm pretty sure you're

822
00:37:11,719 --> 00:37:15,959
Speaker 4: sick of my cash rate chat never, Jess, It's like never,

823
00:37:16,160 --> 00:37:19,280
Speaker 4: I've been hearing it for the last week. Sit down. Also,

824
00:37:19,360 --> 00:37:21,919
Speaker 4: by the way, how she's on the Money Content team

825
00:37:22,040 --> 00:37:25,640
Speaker 4: predicted the actual cash rate at four point one, and

826
00:37:25,960 --> 00:37:27,880
Speaker 4: they were so confident that it was going to be

827
00:37:27,880 --> 00:37:30,240
Speaker 4: four point one after all of their research. They made

828
00:37:30,280 --> 00:37:35,480
Speaker 4: the Instagram post and then live streamed the RBA meeting

829
00:37:35,520 --> 00:37:38,080
Speaker 4: because like, we're that cool. And then when the cash

830
00:37:38,160 --> 00:37:41,200
Speaker 4: rate was announced at four point one, they literally hit

831
00:37:41,320 --> 00:37:43,520
Speaker 4: posts so that we got to be the first people

832
00:37:43,560 --> 00:37:44,200
Speaker 4: to renounce it.

833
00:37:44,719 --> 00:37:44,919
Speaker 6: Good.

834
00:37:45,000 --> 00:37:48,600
Speaker 4: Not that anybody else noticed that, but we were cutting

835
00:37:48,680 --> 00:37:49,680
Speaker 4: a really big party.

836
00:37:49,719 --> 00:37:51,320
Speaker 2: I did say yesterday, Wow, they're on the pulse.

837
00:37:51,520 --> 00:37:54,440
Speaker 4: We are we are right, We're on the money, absolutely

838
00:37:54,520 --> 00:37:57,680
Speaker 4: all right. So our DM this week, hier, I need

839
00:37:57,719 --> 00:38:00,799
Speaker 4: some advice. So I spent somemerhole alldays with a good

840
00:38:00,840 --> 00:38:03,080
Speaker 4: friend and we came up with this great business idea.

841
00:38:03,600 --> 00:38:06,480
Speaker 4: She's still so keen and ready to go, but now

842
00:38:06,520 --> 00:38:08,839
Speaker 4: it's time to actually put money in, and I am

843
00:38:08,920 --> 00:38:12,000
Speaker 4: freaking out. We said we'd both put in five K,

844
00:38:12,560 --> 00:38:14,920
Speaker 4: but now I'm just staring at my bank account, like

845
00:38:15,040 --> 00:38:17,719
Speaker 4: do I really want to risk this? What if it flops?

846
00:38:18,160 --> 00:38:20,440
Speaker 4: She keeps saying it's just money and we need to

847
00:38:20,440 --> 00:38:23,320
Speaker 4: take risks to make money. But it's not just money

848
00:38:23,320 --> 00:38:25,880
Speaker 4: to me. It's my emergency fund and my safety net.

849
00:38:26,120 --> 00:38:28,680
Speaker 4: I can already tell she's getting a bit over it,

850
00:38:28,880 --> 00:38:31,719
Speaker 4: like I'm holding us back and I hate feeling like

851
00:38:31,760 --> 00:38:34,439
Speaker 4: the bad guy. I also don't want to let her down.

852
00:38:34,680 --> 00:38:37,560
Speaker 4: But also what if this ruins our friendship? Am I

853
00:38:37,680 --> 00:38:40,960
Speaker 4: actually being smart? Or am I just totally overthinking this?

854
00:38:41,200 --> 00:38:41,799
Speaker 4: Please help?

855
00:38:42,280 --> 00:38:45,480
Speaker 2: I guess it's like, I mean, I know, I've probably

856
00:38:45,480 --> 00:38:49,680
Speaker 2: already know what the right thing to do would be,

857
00:38:49,800 --> 00:38:53,080
Speaker 2: and that is like, don't be spending your emergency find

858
00:38:53,120 --> 00:38:57,160
Speaker 2: on something that's not an emergency and something that's so risky,

859
00:38:57,320 --> 00:38:59,440
Speaker 2: so such high risk. Isn't it like you could like

860
00:38:59,640 --> 00:39:01,799
Speaker 2: this could flop or it could go really well. It's

861
00:39:01,840 --> 00:39:04,560
Speaker 2: possible to say. I would say they're disposable. If you

862
00:39:04,600 --> 00:39:07,200
Speaker 2: have any savings that are like, oh, I'm saving for

863
00:39:07,239 --> 00:39:09,319
Speaker 2: a holiday or I'm saving for a I don't know,

864
00:39:10,480 --> 00:39:13,400
Speaker 2: fancy night out or something like that kind of money,

865
00:39:13,760 --> 00:39:16,040
Speaker 2: sure check it in there. That could be wrong, but

866
00:39:16,040 --> 00:39:18,200
Speaker 2: I wouldn't be touching the emergency fund is anyway, Maybe

867
00:39:18,200 --> 00:39:20,359
Speaker 2: you could like put in less and your friend can

868
00:39:20,400 --> 00:39:22,239
Speaker 2: put in more. At the end of the day, though,

869
00:39:22,239 --> 00:39:25,680
Speaker 2: if your friend is like, hey, give me all your money,

870
00:39:25,760 --> 00:39:28,799
Speaker 2: every single thing you've ever worked for, or I'll not

871
00:39:28,880 --> 00:39:33,200
Speaker 2: be your friend anymore, then that's probably not a good friend.

872
00:39:33,200 --> 00:39:35,200
Speaker 2: If not, if they're not worried about you and your

873
00:39:35,880 --> 00:39:39,400
Speaker 2: literal life, Like if something actually does happen touch Wood

874
00:39:39,760 --> 00:39:42,399
Speaker 2: and you're not you're like, oh wait a second, all

875
00:39:42,480 --> 00:39:45,439
Speaker 2: my money is tied up in this business or this

876
00:39:45,440 --> 00:39:48,480
Speaker 2: this little side hustle or whatever it is, then yeah,

877
00:39:48,520 --> 00:39:52,560
Speaker 2: you'll be kind of screwed. So I would say, see

878
00:39:52,560 --> 00:39:54,520
Speaker 2: if you can put in a tiny bit less or

879
00:39:54,640 --> 00:39:56,680
Speaker 2: just like maybe a little bit to start with, or

880
00:39:57,360 --> 00:40:00,719
Speaker 2: or at least just maybe push this back and start

881
00:40:00,760 --> 00:40:04,120
Speaker 2: saving for that and have like that intention in mind,

882
00:40:04,160 --> 00:40:07,520
Speaker 2: like I'm saving for this amount for this side hustle

883
00:40:07,920 --> 00:40:10,040
Speaker 2: and we'll do it by this date, so you kind

884
00:40:10,040 --> 00:40:11,680
Speaker 2: of have the motivation and you can save, and then

885
00:40:11,719 --> 00:40:13,759
Speaker 2: when you get to it, it doesn't feel like so

886
00:40:14,000 --> 00:40:16,080
Speaker 2: like oh my god, I'm giving away so much money.

887
00:40:16,160 --> 00:40:18,520
Speaker 2: You'll feel like, oh, yeah, I saved this money for

888
00:40:18,560 --> 00:40:20,880
Speaker 2: this and here here you go. So if you can

889
00:40:20,920 --> 00:40:24,320
Speaker 2: do that, but yeah, if your friend is not happy

890
00:40:24,320 --> 00:40:28,640
Speaker 2: with you giving away your life savings, then that's probably

891
00:40:28,680 --> 00:40:30,640
Speaker 2: not a very nice friend.

892
00:40:30,760 --> 00:40:32,879
Speaker 4: So also, we're not needed here anymore, Jess.

893
00:40:34,360 --> 00:40:37,359
Speaker 2: You're all true, and see you guys on Monday.

894
00:40:39,200 --> 00:40:41,160
Speaker 4: Just what are your thoughts on this. Yeah, I agree.

895
00:40:41,200 --> 00:40:44,080
Speaker 5: I think there's like several components within this message. I

896
00:40:44,120 --> 00:40:46,520
Speaker 5: think you're fully right back, like, you shouldn't be putting

897
00:40:46,560 --> 00:40:49,920
Speaker 5: your emergency fund into anything that is not an emergency

898
00:40:49,960 --> 00:40:51,480
Speaker 5: in my opinion, if it can be avoided.

899
00:40:51,800 --> 00:40:54,520
Speaker 4: Yeah, that's not spending money. That money shouldn't have even been.

900
00:40:54,800 --> 00:40:57,319
Speaker 5: Like, it's not an option on the table. So I

901
00:40:57,360 --> 00:40:59,600
Speaker 5: think that that in itself, for me, it's a pretty

902
00:40:59,600 --> 00:41:02,000
Speaker 5: clear I know you shouldn't be putting that money into it.

903
00:41:02,360 --> 00:41:03,920
Speaker 5: When it comes to the risk of a business, I

904
00:41:03,920 --> 00:41:05,920
Speaker 5: think you have to look at it as an investment,

905
00:41:05,920 --> 00:41:09,040
Speaker 5: and like any investment, there are risks. Have you really

906
00:41:09,120 --> 00:41:11,560
Speaker 5: done your research for the business? And if you're not

907
00:41:11,600 --> 00:41:13,439
Speaker 5: sure what to look at, We've done some really great

908
00:41:13,480 --> 00:41:15,960
Speaker 5: business Bible episodes, I'd go back and look at have

909
00:41:16,080 --> 00:41:18,759
Speaker 5: you done your customer avatar? Have you checked competitors? Are

910
00:41:18,800 --> 00:41:20,240
Speaker 5: you filling a gap in the market?

911
00:41:20,280 --> 00:41:22,560
Speaker 4: Like is it just a good idea? Have you actually

912
00:41:22,640 --> 00:41:23,360
Speaker 4: done your research?

913
00:41:23,560 --> 00:41:23,799
Speaker 5: Yeah?

914
00:41:23,840 --> 00:41:24,960
Speaker 4: Also, have you done a budget?

915
00:41:25,239 --> 00:41:25,560
Speaker 5: Yeah?

916
00:41:25,600 --> 00:41:27,480
Speaker 4: Like, where's this five grand coming from? Why do you

917
00:41:27,520 --> 00:41:29,759
Speaker 4: need ten thousand dollars to start this business? I don't

918
00:41:29,760 --> 00:41:32,120
Speaker 4: have enough insight because it might be like, oh, well,

919
00:41:32,160 --> 00:41:34,440
Speaker 4: actually we've done a budget and we need to register

920
00:41:34,520 --> 00:41:37,640
Speaker 4: our business and that costs this, and then the equipment

921
00:41:37,680 --> 00:41:39,920
Speaker 4: we're buying is eight and a half thousand dollars perfect,

922
00:41:40,000 --> 00:41:42,440
Speaker 4: otherwise we can't start. Yeah, like, oh okay, then that

923
00:41:42,480 --> 00:41:45,760
Speaker 4: makes sense. But where's this coming from? Yeah?

924
00:41:45,800 --> 00:41:49,279
Speaker 5: Totally. So I think, like, have you like set yourself up.

925
00:41:49,360 --> 00:41:51,880
Speaker 5: Theoretically when you're going into business, you should have a

926
00:41:51,960 --> 00:41:55,080
Speaker 5: relatively good idea of like who you're selling to what

927
00:41:55,200 --> 00:41:57,799
Speaker 5: you're selling, Like you should have done all that background work.

928
00:41:57,880 --> 00:41:59,480
Speaker 5: Like I think we've all kind of sat around the

929
00:41:59,480 --> 00:42:01,319
Speaker 5: table with and gone, oh my god, imagine if we

930
00:42:01,360 --> 00:42:03,680
Speaker 5: started this cool thing. But to get from A to

931
00:42:03,719 --> 00:42:07,640
Speaker 5: B successfully, you really need to have set yourself up

932
00:42:07,640 --> 00:42:10,319
Speaker 5: with a plan, and that includes, as VD said, a

933
00:42:10,360 --> 00:42:13,600
Speaker 5: budget and cash flow, like a strategy, like you've done

934
00:42:13,600 --> 00:42:15,879
Speaker 5: all of your research. If you've done all those things,

935
00:42:15,920 --> 00:42:18,080
Speaker 5: I think you probably would be feeling a little bit

936
00:42:18,120 --> 00:42:22,480
Speaker 5: more confident in what you're doing, and also hopefully you

937
00:42:22,520 --> 00:42:24,800
Speaker 5: and your partner or your business partner would be a

938
00:42:24,840 --> 00:42:28,280
Speaker 5: little bit more on the same page about things, because

939
00:42:29,200 --> 00:42:32,120
Speaker 5: if you're seeing cracks now, I would say that that's

940
00:42:32,120 --> 00:42:33,920
Speaker 5: a very big red flag to me, because right now

941
00:42:33,960 --> 00:42:36,320
Speaker 5: you're in the easy part of business, like you're.

942
00:42:36,200 --> 00:42:37,439
Speaker 4: Not in the trenchship easy.

943
00:42:38,120 --> 00:42:40,399
Speaker 5: Yeah, it gets a lot harder and a lot more

944
00:42:40,600 --> 00:42:43,319
Speaker 5: challenging the longer you're in it. And so if you're

945
00:42:43,400 --> 00:42:46,040
Speaker 5: already not quite on the same page, I can only

946
00:42:46,080 --> 00:42:48,399
Speaker 5: imagine that that would employ get worse.

947
00:42:48,560 --> 00:42:50,520
Speaker 4: I did, like, yeah, it's a slippery slope.

948
00:42:50,600 --> 00:42:53,360
Speaker 5: Yeah, And I think a poor business partnership because you

949
00:42:53,360 --> 00:42:55,279
Speaker 5: can be a really great friend with somebody but not

950
00:42:55,360 --> 00:42:58,000
Speaker 5: be made to work well together or not be right

951
00:42:58,080 --> 00:42:59,360
Speaker 5: to be business partners together.

952
00:43:00,000 --> 00:43:03,360
Speaker 4: I never preaching to the converted, no matter how my

953
00:43:03,440 --> 00:43:05,560
Speaker 4: accountant has bound me from other business partners.

954
00:43:05,600 --> 00:43:09,319
Speaker 5: Yes, yes, I'm fully on board of that. Like, no

955
00:43:09,360 --> 00:43:11,240
Speaker 5: matter how much you love them, Maria, how much get along,

956
00:43:11,280 --> 00:43:13,399
Speaker 5: if you're not going to be good business partners, it's

957
00:43:13,440 --> 00:43:15,279
Speaker 5: not going to be a good experience for either of you.

958
00:43:15,320 --> 00:43:18,080
Speaker 5: So I would the whole thing. I would say, proceed

959
00:43:18,120 --> 00:43:19,360
Speaker 5: with caution y yeah.

960
00:43:19,520 --> 00:43:22,399
Speaker 4: Yeah. And then on the flip side, I'm like, okay, cool,

961
00:43:22,480 --> 00:43:26,759
Speaker 4: I totally get that. But also, if you're entrepreneurial, you're like, well,

962
00:43:26,800 --> 00:43:29,360
Speaker 4: I am willing to risk my emergency fund. I am

963
00:43:29,400 --> 00:43:31,520
Speaker 4: willing to put every single dollar into it. Like I

964
00:43:31,560 --> 00:43:34,080
Speaker 4: look back on my business journey. I didn't have an

965
00:43:34,080 --> 00:43:37,080
Speaker 4: emergency fund when I was starting my business. Terrible idea,

966
00:43:37,160 --> 00:43:40,600
Speaker 4: like absolutely terrible. Like I would never tell people to

967
00:43:40,680 --> 00:43:42,279
Speaker 4: do things in the same way that I did. I

968
00:43:42,320 --> 00:43:44,600
Speaker 4: didn't pay my super for years. I didn't do all

969
00:43:44,640 --> 00:43:47,040
Speaker 4: of these things that you know. I have a business

970
00:43:47,080 --> 00:43:50,960
Speaker 4: podcast and I do now have two multimillion dollar businesses.

971
00:43:51,040 --> 00:43:54,960
Speaker 4: So like I'm walking the walk, but I can't sit

972
00:43:55,080 --> 00:43:58,520
Speaker 4: here and say that I was a gold star business

973
00:43:58,600 --> 00:44:00,440
Speaker 4: journey to look at. I know how you should do

974
00:44:00,480 --> 00:44:02,720
Speaker 4: it now, and I can help you along that journey,

975
00:44:02,760 --> 00:44:04,799
Speaker 4: but I cannot say that I did it. So like,

976
00:44:05,040 --> 00:44:06,960
Speaker 4: at the same time as you, like I'm listening to

977
00:44:06,960 --> 00:44:08,920
Speaker 4: you guys say yeah, this is this is right, and

978
00:44:08,960 --> 00:44:10,800
Speaker 4: that's the advice I have as well. But on the

979
00:44:10,840 --> 00:44:12,480
Speaker 4: flip side, like I get it if you've got a

980
00:44:12,480 --> 00:44:14,680
Speaker 4: good idea and you're wildly passionate about it and you're

981
00:44:14,680 --> 00:44:17,399
Speaker 4: like I'm so ready for this, like I would put

982
00:44:17,440 --> 00:44:20,160
Speaker 4: all my dollars into this, Like girl, I get it.

983
00:44:20,400 --> 00:44:22,960
Speaker 4: But on the flip side, you've said that you're freaking out,

984
00:44:23,040 --> 00:44:25,120
Speaker 4: So I want you to like sit down and maybe

985
00:44:25,120 --> 00:44:27,239
Speaker 4: write a letter to yourself about why you're freaking out.

986
00:44:27,280 --> 00:44:30,319
Speaker 4: Is it because you're taking risk? Is it because you're

987
00:44:30,360 --> 00:44:31,880
Speaker 4: not sure if it's a good idea? Is it an

988
00:44:31,880 --> 00:44:35,879
Speaker 4: oversaturated market? Like where's this freaking out coming from? Because

989
00:44:35,880 --> 00:44:38,400
Speaker 4: I'm not saying spend your emergency fund, but I am

990
00:44:38,480 --> 00:44:41,399
Speaker 4: saying do a little bit more research and also write

991
00:44:41,440 --> 00:44:45,239
Speaker 4: up a budget, like what research have you done? And

992
00:44:45,360 --> 00:44:47,600
Speaker 4: I preach this on the Business Bible all the time.

993
00:44:48,000 --> 00:44:51,280
Speaker 4: You can do an entire budget and plan the entire

994
00:44:51,360 --> 00:44:53,680
Speaker 4: business without spending as cent. You can look up how

995
00:44:53,719 --> 00:44:55,560
Speaker 4: much it's going to cost to register. You can look

996
00:44:55,640 --> 00:44:57,880
Speaker 4: up all of the like things that might you know

997
00:44:57,880 --> 00:45:00,560
Speaker 4: if there's any compliance. You can you know, if let's

998
00:45:00,560 --> 00:45:04,080
Speaker 4: say you're selling candles online. You can look up suppliers

999
00:45:04,120 --> 00:45:07,040
Speaker 4: for your candle jars online. You can send inquiries. You

1000
00:45:07,040 --> 00:45:09,560
Speaker 4: can understand how much that's going to cost, what shipping's

1001
00:45:09,600 --> 00:45:12,400
Speaker 4: going to cost, what shipping insurance is going to cost.

1002
00:45:12,640 --> 00:45:14,560
Speaker 4: You can look at you know what your products are

1003
00:45:14,640 --> 00:45:17,160
Speaker 4: going to look like, where you're going to source them, labels,

1004
00:45:17,280 --> 00:45:20,400
Speaker 4: all of that, and you can create a comprehensive budget.

1005
00:45:20,520 --> 00:45:22,759
Speaker 4: You can work out what your sale price per unit

1006
00:45:22,760 --> 00:45:24,960
Speaker 4: would be I'm telling you right now, all of that

1007
00:45:25,040 --> 00:45:28,160
Speaker 4: will go out the window because things change and develop,

1008
00:45:28,200 --> 00:45:30,080
Speaker 4: and you might get your sample jars and be like,

1009
00:45:30,080 --> 00:45:32,640
Speaker 4: oh my god, that supplier is terrible. But like, you've

1010
00:45:32,640 --> 00:45:35,520
Speaker 4: got a really comprehensive idea of what this is going

1011
00:45:35,560 --> 00:45:37,759
Speaker 4: to cost you, and I can almost guarantee if you

1012
00:45:37,840 --> 00:45:40,440
Speaker 4: have that, you're going to be very confident in spending

1013
00:45:40,440 --> 00:45:43,560
Speaker 4: the money. So what I'm hearing is that you're freaking

1014
00:45:43,560 --> 00:45:46,600
Speaker 4: out a little bit, and often that's happening because of

1015
00:45:46,600 --> 00:45:49,400
Speaker 4: a lack of planning and a lack of clarity. So

1016
00:45:49,800 --> 00:45:51,680
Speaker 4: that's where I'm at. And i'd also be honest with

1017
00:45:51,719 --> 00:45:54,759
Speaker 4: your friend, like pick up the phone and say, Hey,

1018
00:45:54,960 --> 00:45:57,400
Speaker 4: I know that we're at this point. Why am I

1019
00:45:57,440 --> 00:46:00,239
Speaker 4: freaking out? Like, oh, I feel so nervous? I go,

1020
00:46:00,280 --> 00:46:02,359
Speaker 4: oh my god. I know. Maybe they don't know what's

1021
00:46:02,360 --> 00:46:04,960
Speaker 4: your last five grand and they've got like thirty in

1022
00:46:05,000 --> 00:46:06,759
Speaker 4: the bank and they're just taking five of that, do

1023
00:46:06,800 --> 00:46:08,480
Speaker 4: you know what I mean? Yeah, maybe they're in a

1024
00:46:08,520 --> 00:46:13,399
Speaker 4: different situation. Surprisingly communication is the key, Jessica, I would

1025
00:46:13,400 --> 00:46:17,080
Speaker 4: have not did everybody else say so? We asked the community,

1026
00:46:17,120 --> 00:46:18,840
Speaker 4: what would you do if you were in this situation?

1027
00:46:19,280 --> 00:46:21,759
Speaker 4: Twenty six percent of you said I'd just trust that

1028
00:46:21,840 --> 00:46:25,319
Speaker 4: it would be successful, thirty five percent of you said

1029
00:46:25,560 --> 00:46:28,200
Speaker 4: try to put in less money, and thirty nine percent

1030
00:46:28,239 --> 00:46:30,360
Speaker 4: of you said I'd back out before I was involved

1031
00:46:30,560 --> 00:46:34,879
Speaker 4: in see. Next question we asked was would you ever

1032
00:46:34,960 --> 00:46:38,600
Speaker 4: start a business with a friend. Three percent said yep,

1033
00:46:38,600 --> 00:46:42,120
Speaker 4: we're friends for a reason. Sixty six percent of you

1034
00:46:42,160 --> 00:46:45,960
Speaker 4: said depends on the friend, yes, yes, and thirty one

1035
00:46:46,000 --> 00:46:49,360
Speaker 4: percent of you said no way. Business and friends don't mix.

1036
00:46:49,840 --> 00:46:50,080
Speaker 5: Fair.

1037
00:46:50,320 --> 00:46:53,440
Speaker 4: I'm in that boat. I had to learn the way,

1038
00:46:55,239 --> 00:46:58,040
Speaker 4: the really hard way. And then we obviously said, guys,

1039
00:46:58,080 --> 00:47:02,120
Speaker 4: what is your two cents? Someone said in very big

1040
00:47:02,200 --> 00:47:07,839
Speaker 4: capital is scary and there's a hashtag and an at

1041
00:47:07,920 --> 00:47:10,799
Speaker 4: sign in the word that starts with F and nz

1042
00:47:10,840 --> 00:47:15,359
Speaker 4: in K. Yeah, so it says don't f with your

1043
00:47:15,360 --> 00:47:16,280
Speaker 4: emergency fund.

1044
00:47:16,520 --> 00:47:19,120
Speaker 2: Amen. Yeah, yeah, yeah, that's nice, loud and clear, we

1045
00:47:19,160 --> 00:47:19,440
Speaker 2: hear you.

1046
00:47:19,480 --> 00:47:21,000
Speaker 4: Someone else said, I think you have to be one

1047
00:47:21,040 --> 00:47:23,319
Speaker 4: hundred and ten percent committed to the cause in order

1048
00:47:23,360 --> 00:47:26,920
Speaker 4: to have a successful business. Amen. Someone else said if

1049
00:47:26,920 --> 00:47:29,040
Speaker 4: it's not a heck, yes it is a heck. No,

1050
00:47:29,160 --> 00:47:33,120
Speaker 4: trust your gut true. Another person said, accountant here, they

1051
00:47:33,160 --> 00:47:35,640
Speaker 4: need to get on the same page first in relation

1052
00:47:35,760 --> 00:47:39,799
Speaker 4: to their intentions, risk profile plans. Yes, but I also

1053
00:47:39,880 --> 00:47:43,000
Speaker 4: do want to acknowledge that, like lots of businesses, we

1054
00:47:43,200 --> 00:47:46,480
Speaker 4: just go roke. I'm not saying it's the right thing

1055
00:47:46,560 --> 00:47:49,000
Speaker 4: to do, but like sometimes it's three am, you have

1056
00:47:49,080 --> 00:47:52,000
Speaker 4: a great name and then whoops, you've accidentally registered a

1057
00:47:52,040 --> 00:47:52,560
Speaker 4: business name.

1058
00:47:52,719 --> 00:47:56,480
Speaker 5: Yeah, there's lots of things happening without investing too, Like

1059
00:47:56,560 --> 00:47:58,920
Speaker 5: they can build the social media, yes, oh you can

1060
00:47:59,080 --> 00:48:02,080
Speaker 5: register me all of those things that don't necessarily require

1061
00:48:02,080 --> 00:48:04,759
Speaker 5: an upfront ten thousand dollars investment that you can still

1062
00:48:04,880 --> 00:48:07,959
Speaker 5: use to test the waters and stuff getting things going true?

1063
00:48:08,040 --> 00:48:10,040
Speaker 4: And what does that actually look like? So like, if

1064
00:48:10,040 --> 00:48:13,000
Speaker 4: you're both putting five thousand dollars each in, I'm assuming

1065
00:48:13,000 --> 00:48:16,920
Speaker 4: that you're operating this business equally, so you get fifty percent,

1066
00:48:17,080 --> 00:48:20,440
Speaker 4: I get fifty percent. But then who's working in the business?

1067
00:48:20,800 --> 00:48:23,480
Speaker 4: Like are we relying more on one person's skill set

1068
00:48:23,560 --> 00:48:26,120
Speaker 4: over another? Like is one person going to work every

1069
00:48:26,160 --> 00:48:28,359
Speaker 4: single day in this business and you've got a full

1070
00:48:28,400 --> 00:48:30,200
Speaker 4: time job, it can only help on the weekends. Like

1071
00:48:30,560 --> 00:48:32,719
Speaker 4: what type of labor is going to be? I've just

1072
00:48:32,880 --> 00:48:35,480
Speaker 4: got lots of questions. Yeah, I love I love small business.

1073
00:48:35,920 --> 00:48:39,600
Speaker 4: Another person said, a man wouldn't bat an eyelid back yourself.

1074
00:48:39,600 --> 00:48:42,400
Speaker 2: You've got this, yeah, fair point.

1075
00:48:43,160 --> 00:48:45,920
Speaker 4: Yeah, but I also think that, like there's a reason

1076
00:48:45,960 --> 00:48:47,440
Speaker 4: women are better investors, you know.

1077
00:48:48,160 --> 00:48:50,080
Speaker 5: Yeah, is that as a reason men die earlier than women?

1078
00:48:52,760 --> 00:48:55,960
Speaker 4: So positive, I love us. Another person said, are there

1079
00:48:56,000 --> 00:48:58,160
Speaker 4: other ways you can get involved in the business that

1080
00:48:58,200 --> 00:49:02,160
Speaker 4: aren't financial? Said, do you really believe in this business idea?

1081
00:49:02,320 --> 00:49:05,160
Speaker 4: If you don't, don't do it. If yes, then do

1082
00:49:05,320 --> 00:49:09,080
Speaker 4: a lot more research. Someone else said, if you can't

1083
00:49:09,080 --> 00:49:12,440
Speaker 4: communicate openly right now with each other, this is probably

1084
00:49:12,480 --> 00:49:14,400
Speaker 4: a really good reason to not be in a partnership.

1085
00:49:14,440 --> 00:49:15,320
Speaker 2: That's a great point.

1086
00:49:15,480 --> 00:49:15,680
Speaker 5: Yeah.

1087
00:49:15,760 --> 00:49:18,319
Speaker 4: And then the last person said, maybe you could negotiate

1088
00:49:18,360 --> 00:49:19,920
Speaker 4: who does more of the business I'm me in or

1089
00:49:20,000 --> 00:49:23,480
Speaker 4: financial organization? Yes, last one, I'll share, and then I'll

1090
00:49:23,480 --> 00:49:26,319
Speaker 4: give you a tip from my dad. So last one

1091
00:49:26,480 --> 00:49:29,479
Speaker 4: is the best business partner is yourself. And my dad

1092
00:49:29,480 --> 00:49:32,239
Speaker 4: told me a long time ago, and I didn't listen

1093
00:49:32,320 --> 00:49:35,040
Speaker 4: until recently, that the best number of business partner is

1094
00:49:35,080 --> 00:49:39,640
Speaker 4: an odd number of less than three a riddle. Yeah,

1095
00:49:39,680 --> 00:49:40,200
Speaker 4: thanks dad.

1096
00:49:41,960 --> 00:49:43,560
Speaker 5: If you are a small business owner, though, and you've

1097
00:49:43,560 --> 00:49:46,920
Speaker 5: got questions, Vet You've got a little webinar coming up

1098
00:49:46,960 --> 00:49:49,240
Speaker 5: soon that people might want to do. It might be handy.

1099
00:49:49,880 --> 00:49:51,719
Speaker 4: This is a really good plug. This is not a

1100
00:49:51,760 --> 00:49:54,000
Speaker 4: paid for plug. I'm just sharing it on the pod

1101
00:49:54,080 --> 00:49:55,640
Speaker 4: because I feel like if you listen to all that

1102
00:49:55,719 --> 00:49:57,520
Speaker 4: business chat and you're like, yeah, I want to learn more.

1103
00:49:57,719 --> 00:50:01,000
Speaker 4: I'm running a free webinar with my friends from Constant

1104
00:50:01,000 --> 00:50:04,360
Speaker 4: Contact online. It's actually quite soon, so you'll have to RSVP.

1105
00:50:04,719 --> 00:50:07,040
Speaker 4: But it's on Thursday. What is it? Just Thursday, the

1106
00:50:07,080 --> 00:50:10,240
Speaker 4: twenty seventh of February, and then it's at eleven am.

1107
00:50:10,560 --> 00:50:12,759
Speaker 4: And the coolest thing, or I think the coolest thing

1108
00:50:12,960 --> 00:50:15,960
Speaker 4: is Constant Contact are so excited about this. They said

1109
00:50:15,960 --> 00:50:19,440
Speaker 4: that anyone who attends and then signs up to Constant Contact,

1110
00:50:19,480 --> 00:50:22,280
Speaker 4: which is like an email marketing platform, that is honestly

1111
00:50:22,360 --> 00:50:25,600
Speaker 4: really cool. They're actually going to send you a copy

1112
00:50:25,640 --> 00:50:28,480
Speaker 4: of my book, The Business Bible for free, Like you

1113
00:50:28,520 --> 00:50:30,279
Speaker 4: don't have to spend a dollar. All you have to

1114
00:50:30,280 --> 00:50:33,160
Speaker 4: do is come to my webinar. But obviously t's and

1115
00:50:33,200 --> 00:50:35,320
Speaker 4: c's apply whatever. I'm just going to disclaim with that.

1116
00:50:35,840 --> 00:50:38,239
Speaker 4: But Jess, we can put all of the information in

1117
00:50:38,320 --> 00:50:40,319
Speaker 4: the show notes. But I think that that will be

1118
00:50:40,360 --> 00:50:42,960
Speaker 4: really cool because it's like a marketers meet up and

1119
00:50:42,960 --> 00:50:45,280
Speaker 4: we're going to just talk about like marketing and branding

1120
00:50:45,320 --> 00:50:47,319
Speaker 4: and like, you know, how to take your business to

1121
00:50:47,360 --> 00:50:50,080
Speaker 4: the next level and like really own it yourself as

1122
00:50:50,080 --> 00:50:51,719
Speaker 4: opposed to just being on socials.

1123
00:50:51,880 --> 00:50:52,080
Speaker 1: Yeah.

1124
00:50:52,080 --> 00:50:54,360
Speaker 4: So I just think I'm wildly passionate about this, and

1125
00:50:54,400 --> 00:50:57,239
Speaker 4: if you are a business person as well, maybe that's

1126
00:50:57,280 --> 00:50:59,840
Speaker 4: of interest. Also Free book money Wait, we love it.

1127
00:51:00,120 --> 00:51:00,640
Speaker 4: That's so cool.

1128
00:51:00,680 --> 00:51:02,600
Speaker 5: You can't make it live. I believe there will be

1129
00:51:02,640 --> 00:51:06,000
Speaker 5: a replace, so still in so we have your email

1130
00:51:06,000 --> 00:51:08,040
Speaker 5: because we'll send it out to anyone who attended.

1131
00:51:08,239 --> 00:51:10,640
Speaker 4: One hundred percent. I love this. I also feel like

1132
00:51:10,680 --> 00:51:12,520
Speaker 4: maybe they've bitten off more than they can chewne. They

1133
00:51:12,520 --> 00:51:16,160
Speaker 4: don't realize the power of the She's on the Money community. So,

1134
00:51:16,200 --> 00:51:18,680
Speaker 4: like you said, free book, we love the money in.

1135
00:51:18,880 --> 00:51:22,440
Speaker 4: We sure do like this could work out well for them.

1136
00:51:22,640 --> 00:51:26,279
Speaker 4: This could also be an ad mid nightmare because they're

1137
00:51:26,280 --> 00:51:28,840
Speaker 4: going to have to fulfill these books, individuals.

1138
00:51:28,480 --> 00:51:30,719
Speaker 5: Pour team posting out the books. I can only imagine

1139
00:51:30,840 --> 00:51:32,080
Speaker 5: we might have to.

1140
00:51:32,000 --> 00:51:34,000
Speaker 4: Give them a hand. But anyway, I think that is

1141
00:51:34,200 --> 00:51:37,000
Speaker 4: all we've got time for today. Guys, have a beautiful

1142
00:51:37,000 --> 00:51:39,480
Speaker 4: weekend and we will see you bright and early on

1143
00:51:39,520 --> 00:51:41,000
Speaker 4: Monday for a money diary.

1144
00:51:41,160 --> 00:51:41,760
Speaker 2: Bye guys.

1145
00:51:41,920 --> 00:51:42,120
Speaker 6: Hi.

1146
00:51:48,239 --> 00:51:50,400
Speaker 4: They ad buy shared on She's on the Money is

1147
00:51:50,480 --> 00:51:54,080
Speaker 4: general in nature and does not consider your individual circumstances.

1148
00:51:54,400 --> 00:51:57,840
Speaker 4: She's on the Money exists purely for educational purposes and

1149
00:51:57,880 --> 00:52:00,319
Speaker 4: should not be relied upon to make an investment all

1150
00:52:00,400 --> 00:52:04,040
Speaker 4: financial decision. If you do choose to buy a financial.

1151
00:52:03,600 --> 00:52:07,600
Speaker 7: Product, read the PDS TMD and obtain appropriate financial.

1152
00:52:07,160 --> 00:52:08,960
Speaker 4: Advice tailored towards your needs.

1153
00:52:09,320 --> 00:52:13,280
Speaker 7: Victoria Divine and She's on the Money are authorized representatives

1154
00:52:13,320 --> 00:52:15,840
Speaker 7: of Money sherper P t y lt D A b

1155
00:52:16,040 --> 00:52:19,080
Speaker 7: N three two one six four nine two seven seven

1156
00:52:19,200 --> 00:52:23,240
Speaker 7: zero eight AFS L four five one two eight nine