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Speaker 1: Hello.

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Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the

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Speaker 2: Order Kerney Whoalbury and a waddery woman. And before we

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Speaker 2: get started on She's on the Money podcast, I would

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Speaker 2: like to acknowledge the traditional custodians of the land of

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Speaker 2: which this podcast is recorded on a wondery country, acknowledging

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Speaker 2: the elders, the ancestors and the next generation coming through

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Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and

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Speaker 2: the storytelling of you to make a difference for today

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Speaker 2: and lasting impact for tomorrow.

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Speaker 1: Let's get into it. She's on the Money. She's on

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Speaker 1: the Money.

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Speaker 3: Hello, and welcome to She's on the Money, the podcast

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Speaker 3: for millennials who want financial freedom. Welcome back to another

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Speaker 3: one of our money diaries where we get to talk

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Speaker 3: to one of our incredible She's on the Money community

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Speaker 3: members all about their journey. Let's jump straight into it,

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Speaker 3: but before we do a little content warning, this episode

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Speaker 3: is going to discuss suicide, abuse and mental health. The

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Speaker 3: message that we got this week went a little bit

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Speaker 3: like this, Hi, She's on the Money. I'm thirty one

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Speaker 3: with two kids and I have just started my career

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Speaker 3: while studying. I lost my partner in late twenty twenty

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Speaker 3: one to depression and almost lost my life too. My

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Speaker 3: relationship with money has been all over the place due

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Speaker 3: to my bipolar but I'm finally on the right medication

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Speaker 3: and can now work and study. I have savings and

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Speaker 3: a pre approval to buy a house, and I'd love

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Speaker 3: to share my story with the community. Money Diarist, I

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Speaker 3: would love you to share the story with the community.

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Speaker 1: Thank you.

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Speaker 4: Yeah, that's okay. I don't know where to begin.

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Speaker 3: No, you, you don't even have to know where to begin.

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Speaker 3: I'm just grateful that you're here. I have the questions,

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Speaker 3: you just need to have throwing the answers. So let's

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Speaker 3: start where I always start in twenty twenty three, and

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Speaker 3: that's money Diarist. From the get go, I want to

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Speaker 3: know what grade would you give your money habits if

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Speaker 3: I asked you to give yourself a grade from A

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Speaker 3: through to F.

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Speaker 4: Yeah, at this point I would say C. Just a

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Speaker 4: flat seat.

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Speaker 3: A flat seat, all right, all right, we'll come back

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Speaker 3: to that. But before we come back to that, I

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Speaker 3: want to know a little bit about your money story.

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Speaker 1: Are you happy to share?

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Speaker 5: Yeah?

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Speaker 4: Definitely? Well, I mean, growing up, I had a probably

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Speaker 4: anxiety driven relationship to money. My mum was ultra frugal,

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Speaker 4: and you know, it was op shops and food banks

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Speaker 4: when we needed it, and my dad was very frivolous.

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Speaker 4: He would be in and out of work all the time,

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Speaker 4: so we would sometimes be eating like kings and then

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Speaker 4: other times we would be going school with stale bread sandwiches.

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Speaker 4: It was all over the place. And so when I

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Speaker 4: got money, I just clung to it. And Mum would

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Speaker 4: say that she'd take us to the shops and she'd

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Speaker 4: ask us if we wanted anything, and I'd say no,

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Speaker 4: just want to hold onto my money. And then as

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Speaker 4: I got older, I moved out of home at sixteen,

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Speaker 4: and I was on medication. At the time. I'd been

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Speaker 4: diagnosed with bipolar of fifteen, so I was on medication

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Speaker 4: and I was able to move into state work and

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Speaker 4: study at the same time and just be financially independent,

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Speaker 4: which was really nice. I still kind of really held

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Speaker 4: on to my money, and I didn't really I couldn't

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Speaker 4: make savings because I wasn't earning much. Yeah, I just

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Speaker 4: held on to it. And then I moved back to

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Speaker 4: my hometown and met my partner who I would end

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Speaker 4: up having two kids with for we could off straightaway,

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Speaker 4: but he had some problematic behaviors, and part of it

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Speaker 4: was telling me I didn't have bipolar so I went

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Speaker 4: off my medication and that's when everything went crazy. So

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Speaker 4: we were together for nine years, and through that nine years,

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Speaker 4: I was up and down all the time. I would

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Speaker 4: save money, hold onto a job, and then I'd spend

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Speaker 4: it all, quit the job. It was just a mess,

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Speaker 4: and we were breaking up and getting back together all

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Speaker 4: the time. Because of my money history, I didn't like

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Speaker 4: to take money from him. I always wanted to be

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Speaker 4: independent because the way he gave money, it was always

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Speaker 4: with strings attached, and I couldn't handle that because it

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Speaker 4: was pretty much the financial abuse. No it was.

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Speaker 1: It wasn't pretty much.

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Speaker 3: It was from my understanding of the way you just

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Speaker 3: explained that it's hard to hear sometimes, but straight down

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Speaker 3: the line that when money is given with some kind

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Speaker 3: of strings attached to it and you don't feel comfortable

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Speaker 3: in that situation, regardless of whether that's five dollars or

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Speaker 3: five hundred dollars, that is a level of financial abuse,

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Speaker 3: and it's it's heartbreaking because it's still that's the person

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Speaker 3: you loved, right, Like, there's two sides to that coin.

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Speaker 3: It's not oh, they're the worst person ever. It's oh,

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Speaker 3: I love that person, but I'm going through this. It

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Speaker 3: can't be that bad, right, Yeah, exactly. So I justified

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Speaker 3: it all the time, and as a result, I stayed

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Speaker 3: on centilink and didn't take a dime from him, and

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Speaker 3: so I couldn't get ahead. I was on centilink. And

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Speaker 3: with bipolar you go up and down obviously, and eventually

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Speaker 3: he had depression as well, which he didn't do anything about,

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Speaker 3: and after some situations we got into, he ended up

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Speaker 3: going to the mental for a bit and coming back out.

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Speaker 3: But he was earning really good money. He was a

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Speaker 3: rope access technician, so he was on high rise buildings

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Speaker 3: and dealing like super high rise buildings all the time.

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Speaker 1: Oh.

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Speaker 3: I could never that is literally I could never. The

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Speaker 3: most scary job you could think of. To think that

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Speaker 3: you're doing that job and also have your brain about you,

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Speaker 3: I couldn't do it. What do you mean I have

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Speaker 3: to do that and work at the same time. Wow, No,

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Speaker 3: wonder he was on good bank because he deserved.

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Speaker 4: It, Yeah, one hundred percent. So yeah, he was battling depression,

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Speaker 4: and even though he was earning good money, I don't

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Speaker 4: know where it went. It never really came towards me

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Speaker 4: and the kids. Toward the end, I did get him

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Speaker 4: to start paying child support. Like we were together, but

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Speaker 4: not together all the time. It's really complicated relationship, and

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Speaker 4: I think that's what comes with an abusive relationship. It's

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Speaker 4: not look through it. It's kind of like all over

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Speaker 4: the place. And so I ended up cracking in twenty

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Speaker 4: twenty one, all the pressure got too much for me.

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Speaker 4: I had a really bad episode and I ended up

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Speaker 4: in the mental ward in the public system, and I

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Speaker 4: had no money. I had spent it all on god

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Speaker 4: knows what, and I was at a really, really, really

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Speaker 4: low point, and I was told if I don't go

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Speaker 4: to the mental ward that they'll put me in. So

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Speaker 4: I chose to go by myself, and I stayed there

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Speaker 4: for a month. And I have two little girls there,

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Speaker 4: seven and four. They stayed with my mom, so my

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Speaker 4: mom was very supportive during that time, and their dad

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Speaker 4: looked after him as well, quite intensely. And that was

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Speaker 4: probably the longest he'd spent with them consistently in quite

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Speaker 4: a while. Because we lived a part and then when

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Speaker 4: I got out, that's when we had an argument and

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Speaker 4: he decided to take his life, and that was really hard.

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Speaker 3: Lotry, you know that has nothing to do with you.

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Speaker 3: That's not your fault, right you know that.

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Speaker 4: Yeah, definitely, Yeah, definitely.

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Speaker 1: Yeah, that is not your decision.

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Speaker 4: Yeah. No, It's been definitely a rollercoaster, and I think

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Speaker 4: I ended up going back into the mental ward because

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Speaker 4: that was quite horrific and I wasn't set up for success. No,

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Speaker 4: So that was again really hard on both me and

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Speaker 4: the girls and our relationship. And at this point, I

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Speaker 4: think I couldn't go back to my rental that I

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Speaker 4: was renting out, that I was in a rental and

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Speaker 4: I couldn't go back, So my dad emptied out the

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Speaker 4: rental and I moved back in with my parents.

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Speaker 2: Yeah.

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Speaker 3: I'm so glad to hear you had your parents during

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Speaker 3: this process.

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Speaker 4: Yeah. Been amazing.

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Speaker 1: Oh what wholesome human beings.

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Speaker 4: Yeah, No, definitely. I don't know what I'd do without them.

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Speaker 4: They've been a huge cushion to my success in the

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Speaker 4: past year and a half. But after I got out,

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Speaker 4: I moved back in with my parents and in the

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Speaker 4: mental ward it was really good because I finally got

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Speaker 4: on medication that was suitable, Yeah, Gorge, And it was

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Speaker 4: the first time I'd been stable in quite a while,

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Speaker 4: and I didn't know what stability felt like. So two

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Speaker 4: months on, after everything had happened, I decided I wanted

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Speaker 4: to get a job because my anxiety about money just skyrocketed.

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Speaker 4: Freaking out that the girls would have nothing in their

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Speaker 4: future and it was all on me, you know, and

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Speaker 4: that freaked me out massively. So I decided to go

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Speaker 4: back or go to work full time. I hadn't worked.

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Speaker 4: I think I had like three thousand dollars in my

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Speaker 4: super at the time, and I was like, you know,

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Speaker 4: you've got to stuff somewhere. I didn't have a degree,

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Speaker 4: I didn't have experience, but I just picked up a

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Speaker 4: I think it was a contract position paying like forty

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Speaker 4: five or fifty thousand a year, and then worked in

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Speaker 4: that for a while, then got offered a permanent position,

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Speaker 4: and then moved from that position to another position. And

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Speaker 4: now I've just taken up a new job and it's

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Speaker 4: paying much better and my soup is growing and everything's

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Speaker 4: going well. So that's kind of where I am today.

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Speaker 3: I'm so proud of you to go through that situation,

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Speaker 3: and then you got back on the horse, you got

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Speaker 3: a job. You have stood up in a way that

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Speaker 3: your kids needed you to. I cannot begin to think

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Speaker 3: about how proud your girls are going to be when

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Speaker 3: they're at an age that they can comprehend what you

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Speaker 3: went through, Like, Oh, my gosh, they're going to be like,

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Speaker 3: our mum is a bloody legend.

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Speaker 4: I really hope.

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Speaker 1: So, oh no, no, no, they will, They absolutely will.

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Speaker 3: So I want to know. So you said before you've

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Speaker 3: got a better position. What does that mean? What do

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Speaker 3: you do for work?

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Speaker 4: Now?

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Speaker 1: How much money are you earning?

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Speaker 4: Yeah? So I work in HR and I am earning well.

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Speaker 4: I think my total enumeration is ninety eight thousand.

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Speaker 1: Oh my gosh.

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Speaker 3: And you went through this circumstance at the end of

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Speaker 3: twenty twenty one, which from my very basic maths means

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Speaker 3: it's been just over a year. Is that about right?

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Speaker 3: And you've turned your life around completely. You're on the

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Speaker 3: right medication. You look, from my perspective, like a glowy,

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Speaker 3: happy human. And I mean there's probably a lot going

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Speaker 3: on there, but you just look like that is not

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Speaker 3: a circumstance that you had to experience.

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Speaker 4: Yeah, I mean, it's not a circumstance. I still kind

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Speaker 4: of fathom that I experienced.

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Speaker 1: No, of course not.

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Speaker 3: You said in your letter into us that you know

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Speaker 3: you're in this circumstance where you've got pre approval to

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Speaker 3: buy a house, Like what you have savings, I wouldn't

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Speaker 3: know what are your big money goals, what are you

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Speaker 3: working towards.

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Speaker 4: Yeah, so I did get a preapproval. I got it

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Speaker 4: on the two percent home loan scheme for single parents. Yeah,

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Speaker 4: And I kind of got it because I got kicked

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Speaker 4: out of my rental and I was like, that's it.

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Speaker 4: I've had enough renting. So I decided I just throw

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Speaker 4: my hat and see what happens if I tried to

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Speaker 4: go for a pre approval. So I talked to a

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Speaker 4: mortgage broker and I got approved, and I was really shocked.

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Speaker 4: And then I was like, wait, hold on, I don't

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Speaker 4: think I can actually service alone yet.

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Speaker 1: But you'll get there. And I think that's so exciting.

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Speaker 4: Yeah, I want to buy a house, but I want

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Speaker 4: to be able to actually afford it in the long term.

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Speaker 4: Even though I got my pre approval, I, like I said,

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Speaker 4: I want to be able to afford an actual like

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Speaker 4: mortgage plus all the extras and like crunching the numbers.

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Speaker 4: I don't know if that's doable and still having a

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Speaker 4: life outside of that.

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Speaker 3: Yeah, And you know, that's one of the most intelligent

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Speaker 3: things you can do in the home buying process, because

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Speaker 3: I think people get so caught up in saving their

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Speaker 3: deposit or like really you know, being frugal to the

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Speaker 3: point of missing out on everything just to get to

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Speaker 3: that point where they buy the home, and they really

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Speaker 3: don't conceptualize what life is going to look like when

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Speaker 3: you have a mortgage, when it's your responsibility that the

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Speaker 3: hot water system breaks, you have to pay for it,

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Speaker 3: and when it's your responsibility to pay all of the

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Speaker 3: rates and all the bills and everything that comes with that,

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Speaker 3: and you just think that where you're coming from and

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Speaker 3: that mindset of like, oh, I just want to you know,

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Speaker 3: I've got this pre approval which a lot of people

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Speaker 3: would just run straight into and be like, all right, well,

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Speaker 3: give me the loan, give me the house, like pre

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Speaker 3: approved ten out of ten, tick, let's go. I think

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Speaker 3: that you've got this really great mindset of like, oh, actually,

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Speaker 3: can we get to a point of you know a

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Speaker 3: little bit more financial stability that is going to serve

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Speaker 3: you so well long term, and it makes me so

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Speaker 3: happy to hear that money diarist. The next question I

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Speaker 3: have for you you mentioned before I only had three

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Speaker 3: thousand dollars in super. That's still three grand in super

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Speaker 3: and that is still better than nothing, my friend. But

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Speaker 3: I want to know do you have any investments.

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Speaker 4: I've got one thousand, seven hundred on chezeas and my

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Speaker 4: suffers come up to seven six hundred.

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Speaker 1: Oh that's growing quickly.

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Speaker 4: Yeah, it's getting there.

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Speaker 3: That's really exciting. So tell me a little bit more

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Speaker 3: about your investing journey. You said I have seventeen hundred

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Speaker 3: dollars on Charesis, which that's a big deal. A lot

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Speaker 3: of people don't even take that step. How did you

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Speaker 3: take that step?

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Speaker 2: Like?

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Speaker 1: Why are you investing? What are you investing for?

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Speaker 4: I mean, I've been listening to Cheese on the Money

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Speaker 4: for quite a while, and so when you guys were

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Speaker 4: promoting Scharzease, I was like, I'm going to check that out.

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Speaker 4: And I looked at it. It was really easy to understand.

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Speaker 4: So I kind of just took the leap and I

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Speaker 4: was like, oh, chuck, you know a little bit of

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Speaker 4: money here and there and see it grow. It's dropped

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Speaker 4: down a bit, but I plan on keeping it like

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Speaker 4: long term. I don't really check it much, but I

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Speaker 4: want to be like a really long term investor. I'm

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Speaker 4: not too worried about risk because I believe it always will.

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Speaker 3: End up going up eventually over the long term, I

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Speaker 3: think is the best way to be investing. To flip that,

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Speaker 3: Do you have any debts?

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Speaker 4: Yes, I do. I have my hex debt which is

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Speaker 4: sitting at twenty six thousand, and that's because I'm currently

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Speaker 4: studying and I've also did a beauty therapy diploma which

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Speaker 4: didn't work out.

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Speaker 3: Well, that's okay. We live and we learn. We live

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Speaker 3: and we learn. What are you currently studying? Like, what's

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Speaker 3: the big career goal? Because from my perspective, you're on

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Speaker 3: a pretty good innings right now.

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Speaker 4: Yeah, so I'm adding to that. I'm studying HR, a

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Speaker 4: degree in HR. Now. I want to improve in my

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Speaker 4: career and I really want to grow. And it took

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Speaker 4: me like thirty years to figure out I actually like HR.

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Speaker 3: So how good? No, I love that. I feel like

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Speaker 3: KHR is an underrated career. Honestly, you get to work

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Speaker 3: with people, you get to have an impact like it

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Speaker 3: is something that I probably could see myself in one

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Speaker 3: thousand percent.

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Speaker 4: Yeah, No, it's.

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Speaker 3: Awesome, Money Diarists, Let's go to a really quick break.

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Speaker 3: After the break, though, I want to talk to you

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Speaker 3: about your best and your worst money habits, but I

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Speaker 3: also want to delve a little bit deeper into finding

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Speaker 3: the right medication and how that works and the impact

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Speaker 3: of that on your quality of life.

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Speaker 1: So guys, don't go anywhere, money diarist.

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Speaker 3: I'm meant to go back to the questions, but I

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Speaker 3: don't want to go back to the questions just yet

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Speaker 3: because I really want to talk about the right medication.

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Speaker 3: And I have spoken before on this podcast about how

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Speaker 3: I am medicated for anxiety and depression and that it's

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Speaker 3: something that I know I will always be medicated for.

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Speaker 3: It's not something where the second I know I'm better,

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Speaker 3: I'm going to go off it. Money Dirist, you've experienced.

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Speaker 3: I guess both sides of that coin. You said you

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Speaker 3: had been diagnosed with bipolar in your teenage years, you

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Speaker 3: were medicated, maybe not the right medication. You then went

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Speaker 3: off medication, and now you're on the right one. Can

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Speaker 3: you talk us through I guess that journey and how

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Speaker 3: it impacts your quality of life, because I feel like

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Speaker 3: you're a different person if I had met you two

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Speaker 3: years ago.

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Speaker 2: Yeah.

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Speaker 4: No, definitely. When I was young, they tried me on

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Speaker 4: a medication that wasn't antidepressant because they thought I just

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Speaker 4: had depression, and that sent me into a manic episode,

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Speaker 4: which is what it does if you have bipolar and

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Speaker 4: so they quickly took me off that and put me

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Speaker 4: on a different medication, and that one made me feel numb,

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Speaker 4: but it was better than feeling too much, so I

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Speaker 4: don't think it was quite the right medication. It was lithium,

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Speaker 4: which has a lot of side effects, and it's something

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Speaker 4: I have to be on lifelong. I didn't really want

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Speaker 4: to stay on it forever, but it was my best

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Speaker 4: option at the time, and I was quite young. Yeah,

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Speaker 4: so I stayed on that. You have to get lots

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Speaker 4: of tests when you have it as well when you're

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Speaker 4: on lithium, so it wasn't ideal, but I stayed on

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Speaker 4: it for a couple of years, and then I came

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Speaker 4: off it. That was obviously a disaster. I think I

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Speaker 4: vaguely remember trying another medication. I'd been seeing psychologists and

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Speaker 4: psychiatrists throughout the years. But part of bipolo is, you know,

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Speaker 4: being inconsistent and erratic, and so I never really stuck

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Speaker 4: with a therapist long enough to make a difference. And then, yeah,

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Speaker 4: finding the right medication was life changing, but it was

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Speaker 4: trial and error. I went on the medication and I

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Speaker 4: got a body rash, like I got full head to

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Speaker 4: toe rash, and so they had to quickly take me

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Speaker 4: off that. But it was this medication I really wanted.

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Speaker 4: So we tried the non generic brand of it and

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Speaker 4: it turned out that was fine, So even though I

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Speaker 4: have to pay extra, it's worth it. And then they

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Speaker 4: added an antipsychotic, which is probably the most life changing

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Speaker 4: one because it just alongside a mood stabilizer. It just

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Speaker 4: took away all the anger and the edge of like

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Speaker 4: irritability and things that make parenting really difficult.

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Speaker 3: I can imagine, Oh my gosh, So talk to me

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Speaker 3: about the financial impact of that, because this sounds like

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Speaker 3: an expensive process with lots of different therapists and different

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Speaker 3: medication changes and now not being able to be on

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Speaker 3: the generic brand.

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Speaker 1: What is this costing you?

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Speaker 4: Thankfully, it doesn't cost me too much. I spend about

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Speaker 4: forty dollars of medication a month. I think that's not

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Speaker 4: too bad. I haven't actually calculated it. No, it's not

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Speaker 4: too bad. And I have at this new job, they

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Speaker 4: pay for private health insurance.

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Speaker 1: Oh my gosh money ween.

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Speaker 4: Yeah, massive money.

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Speaker 1: When massive money, ween, that is so good.

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Speaker 4: Yeah. So I can get that covered, so I'm not

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Speaker 4: really out of pocket for it anymore. But therapists are

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Speaker 4: really expensive. Yes, I always had a mental health care plan,

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Speaker 4: so that covers a big portion of the cost, but

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Speaker 4: you're always left with a gap fee depending on the

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Speaker 4: therapist you see, and then there's long wait times, and

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Speaker 4: when you're having an episode, you already can't organize yourself

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Speaker 4: to even like see a therapists, let alone sit through

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Speaker 4: the waiting time and think, oh, you know, I actually

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Speaker 4: need this so and then by the time it comes around,

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Speaker 4: you don't have the money. So yeah, I don't know.

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Speaker 4: I somehow scraped by and managed to afford therapists, but

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Speaker 4: with the mental health care plan, I couldn't afford it

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Speaker 4: after the plan run out, which is yeah, when you

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Speaker 4: have an ongoing mental health issue, it runs out, and

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Speaker 4: then you just on your own again if you can't

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Speaker 4: afford it.

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Speaker 3: Yeah. Wow, Oh my gosh, I feel like you're a

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Speaker 3: really different person to the person you probably were two

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Speaker 3: years ago. I want to know, what does the future

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Speaker 3: look like. You've gone through an insanely traumatic event and

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Speaker 3: you have two kids, You've got a four and a

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Speaker 3: seven year old.

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Speaker 1: What does the future look like? Where are we going?

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Speaker 1: How does that work?

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Speaker 4: Yeah? I want to be able to keep affording my lifestyle.

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Speaker 4: So I've got the girls in gymnastics and swimming, and

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Speaker 4: I don't want to give those things up because I

401
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Speaker 4: want them to have everything they need and more so,

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Speaker 4: I've got to figure out how to balance you know,

403
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Speaker 4: long term goals like buying a house with short term girls,

404
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Speaker 4: like making you know, the kids' lifestyles as good as

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Speaker 4: I can. So I'm hoping to keep increasing my income,

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Speaker 4: finishing my degree, and just keep pushing.

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Speaker 3: I love this. I love it so much. I want

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Speaker 3: to know, what do you think is your best money habit.

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Speaker 4: My best money habit, thanks to the beauty diploma, is

410
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Speaker 4: doing all my own beauty stuff at home, so that

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Speaker 4: saves me a lot.

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Speaker 1: Ten out of ten.

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Speaker 3: I mean, you can probably drop some tips for us

414
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Speaker 3: in the She's on the Money Facebook group because I

415
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Speaker 3: need to do more stuff at home, but we can

416
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Speaker 3: talk about that later. What do you think is your

417
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Speaker 3: biggest money win when it comes to doing stuff at home.

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Speaker 4: Probably nails and lash lifts.

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Speaker 1: Lash lifts at home.

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Speaker 4: My sister's also a beauty therapist, so we kind of

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Speaker 4: do treatments on each other.

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Speaker 3: Oh, absolute money win. I'm actually quite envious. Let me

423
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Speaker 3: know when that's happening. I will pop over. On the

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Speaker 3: flip side of that, I want to know, what do

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Speaker 3: you think is your worst money habit?

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Speaker 4: It's grocery shopping without looking at the prices because as

427
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Speaker 4: a kid, my mom used to look at every single

428
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Speaker 4: price and have to calculate the total, and so now

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Speaker 4: I'm pretty frivolous with my grocery shopping and spend way

430
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Speaker 4: too much on groceries.

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Speaker 1: I feel like that's a luxury you deserve to.

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Speaker 3: Have, though, my friend, Yeah, I hope. So that's not

433
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Speaker 3: the worst money habit I've ever heard of. Most definitely

434
00:23:14,359 --> 00:23:16,639
Speaker 3: like I feel like they're there are definitely worse, and

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Speaker 3: it sounds like you are absolutely killing it. We don't

436
00:23:19,600 --> 00:23:22,159
Speaker 3: have a lot of time left together, but at the

437
00:23:22,200 --> 00:23:24,560
Speaker 3: start of this episode, I asked you to give yourself

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Speaker 3: a money greade, and you said, look, I think I'm

439
00:23:26,119 --> 00:23:28,440
Speaker 3: a flat sea. And then you've gone on to tell

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Speaker 3: me I'm earning a really good income. I've increased my

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Speaker 3: income a whole heap of time since getting my job.

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Speaker 1: I'm investing.

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Speaker 3: I've got this big money goal of buying a house,

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Speaker 3: and you know what I actually am thinking about this.

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00:23:39,760 --> 00:23:41,840
Speaker 3: I want to make sure that I'm not just buying

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Speaker 3: a house. I can actually service the loan and still

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00:23:44,000 --> 00:23:47,159
Speaker 3: have my lifestyle. You don't have any personal date, you

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00:23:47,200 --> 00:23:50,200
Speaker 3: have really good money habits, Like, do you still think

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00:23:50,240 --> 00:23:51,520
Speaker 3: you're a se my friend?

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Speaker 4: I mean, I have really high expectations.

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Speaker 1: That's fair.

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Speaker 4: Yeah, Comparison is also the devil, and I think without

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Speaker 4: comparing myself objectively, I think I'm doing really well considering everything.

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Speaker 4: I think i'd like to give myself a B plus

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Speaker 4: if I was being less judgmental on myself.

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Speaker 3: I think that's a good place to be. And I

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00:24:12,800 --> 00:24:15,000
Speaker 3: think it's a good thing to recognize as well, because

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00:24:15,080 --> 00:24:17,919
Speaker 3: I'm going to guarantee you money direst There are a

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Speaker 3: whole heap of people listening to this going absolutely not

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00:24:21,040 --> 00:24:24,000
Speaker 3: she's an a, she's killing it. She's a queen. But

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00:24:24,200 --> 00:24:26,720
Speaker 3: if you need to lift a little bit more of

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00:24:26,760 --> 00:24:29,280
Speaker 3: that judgment from yourself, I think that's a really good

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00:24:29,320 --> 00:24:31,840
Speaker 3: thing to work on as well. But oh my gosh,

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00:24:31,880 --> 00:24:34,200
Speaker 3: what a story. I feel like you have been through

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00:24:34,240 --> 00:24:37,440
Speaker 3: the absolute wars and I'm just so proud of where

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00:24:37,440 --> 00:24:39,560
Speaker 3: you're at now, Like your girls are going to be

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00:24:39,680 --> 00:24:42,240
Speaker 3: so proud of you and everything that you've achieved. And

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00:24:42,280 --> 00:24:45,080
Speaker 3: I mean they probably can't comprehend any of those things

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Speaker 3: right now, but when they're older, I promise they are

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00:24:48,359 --> 00:24:51,159
Speaker 3: going to tell everybody about how great their mum is.

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00:24:51,840 --> 00:24:54,840
Speaker 3: I just know it. So thank you so so much

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Speaker 3: for joining us. It has been a pleasure hearing your

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00:24:57,760 --> 00:24:58,399
Speaker 3: money story.

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Speaker 4: Thank you so much for having me.

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Speaker 5: The advice shared on She's on the Money is general

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Speaker 5: in nature and does not consider.

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Speaker 1: Your individual circumstances.

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00:25:12,560 --> 00:25:15,960
Speaker 3: She's on the Money exists purely for educational purposes and

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00:25:16,000 --> 00:25:18,440
Speaker 3: should not be relied upon to make an investment or

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00:25:18,520 --> 00:25:22,120
Speaker 3: financial decision. If you do choose to buy a financial product,

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00:25:22,200 --> 00:25:25,639
Speaker 3: read the PDS TMD and obtain appropriate financial.

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00:25:25,320 --> 00:25:27,119
Speaker 1: Advice tailored towards your needs.

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00:25:27,440 --> 00:25:31,400
Speaker 5: Victoria Divine and She's on the Money are authorized representatives

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00:25:31,440 --> 00:25:35,240
Speaker 5: of Money. Shepper Pty Ltd ABN three two one IS

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00:25:35,359 --> 00:25:39,200
Speaker 5: six four nine two seven seven zero eight AFSL four

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Speaker 5: five one two eight nine