Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it. She's on the Money. She's on
Speaker 2: the Money. Hello, and welcome to She's on the Money,
Speaker 2: the podcast for millennials who want financial freedom. Welcome back
Speaker 2: to another one of our money diaries where we get
Speaker 2: to talk to one of our incredible She's on the
Speaker 2: Money community members all about their journey. Let's jump straight
Speaker 2: into it, but before we do a little content warning,
Speaker 2: this episode is going to discuss suicide, abuse and mental health.
Speaker 2: The message that we got this week went a little
Speaker 2: bit like this. Hi, She's on the Money. I'm thirty
Speaker 2: one with two kids and I have just started my
Speaker 2: career while studying. I lost my partner in late twenty
Speaker 2: twenty one to depression and almost lost my life too.
Speaker 2: My relationship with money has been all over the place
Speaker 2: due to my bipolar but I'm finally on the right
Speaker 2: medication and can now work and study. I have savings
Speaker 2: and a pre approval to buy a house, and I'd
Speaker 2: love to share my story with the community. Money Diarist,
Speaker 2: I would love you to share the story with the community.
Speaker 2: Thank you.
Speaker 3: Yeah, that's okay. I don't know where to begin, No.
Speaker 2: You, I don't even have to know where to begin.
Speaker 2: I'm just grateful that you're here. I have the questions,
Speaker 2: you just need to have throwing the answers. So let's
Speaker 2: start where I always start in twenty twenty three, and
Speaker 2: that's money Diarist. From the get go, I want to
Speaker 2: know what grade would you give your money habits if
Speaker 2: I asked you to give yourself a grade from A
Speaker 2: through to F.
Speaker 3: Yeah, at this point I would say C. Just a
Speaker 3: flat seat.
Speaker 2: A flat seat, all right, all right, we'll come back
Speaker 2: to that. But before we come back to that, I
Speaker 2: want to know a little bit about your money story.
Speaker 2: Are you happy to share? Yeah?
Speaker 3: Definitely? Well, I mean, growing up I had a probably
Speaker 3: anxiety driven relationship to money. My mum was ultra frugal,
Speaker 3: and you know, it was op shops and food banks
Speaker 3: when we needed it, and my dad was very frivolous.
Speaker 3: He would be in and out of work all the time,
Speaker 3: so we would sometimes be eating like kings, and then
Speaker 3: other times we would be going school with stale bread sandwiches.
Speaker 3: It was all over the place. And so when I
Speaker 3: got money, I just clung to it. And Mum would
Speaker 3: say that she'd take us to the shops and she'd
Speaker 3: ask us if we wanted anything, and I'd say, no,
Speaker 3: just want to hold onto my money. And then as
Speaker 3: I got older, I moved out of home at sixteen,
Speaker 3: and I was on medication. At the time. I'd been
Speaker 3: diagnosed with bipolar of fifteen, so I was on medication
Speaker 3: and I was able to move into state work and
Speaker 3: study at the same time and just be financially independent,
Speaker 3: which was really nice. I still kind of really held
Speaker 3: on to my money, and I didn't really I couldn't
Speaker 3: make savings because I wasn't earning much. Yeah, I just
Speaker 3: held on to it. And then I moved back to
Speaker 3: my hometown and met my partner who I would end
Speaker 3: up having two kids with for we could off straightaway,
Speaker 3: but he had some problematic behaviors, and part of it
Speaker 3: was telling me I didn't have bipolar. So I went
Speaker 3: off my medication and that's when everything went crazy. So
Speaker 3: we were together for nine years, and through that nine years,
Speaker 3: I was up and down all the time. I would
Speaker 3: save money, hold onto a job, and then I'd spend
Speaker 3: it all, quit the job. It was just a mess,
Speaker 3: and we were breaking up and getting back together all
Speaker 3: the time. Because of my money history, I didn't like
Speaker 3: to take money from him. I always wanted to be
Speaker 3: independent because the way he gave money it was always
Speaker 3: with strings attached, and I couldn't handle that because it
Speaker 3: was pretty much the financial abuse. No, it was.
Speaker 2: It wasn't pretty much. It was from my understanding of
Speaker 2: the way you just explained that it's hard to hear sometimes,
Speaker 2: but straight down the line that when money is given
Speaker 2: with some kind of strings attached to it and you
Speaker 2: don't feel comfortable in that situation, regardless of whether that's
Speaker 2: five dollars or five hundred dollars, that is a level
Speaker 2: of financial abuse, and it's it's heartbreaking because it's still
Speaker 2: that's the person you loved, right, Like, there's two sides
Speaker 2: to that coin. It's not oh, they're the worst person ever.
Speaker 2: It's oh, I love that person, but I'm going through this.
Speaker 2: It can't be that bad, right, Yeah, exactly. So I
Speaker 2: justified it all the time, and as a result, I
Speaker 2: stayed on centilink and didn't take a dime from him,
Speaker 2: and so I couldn't get ahead. I was on centilink.
Speaker 2: And with bipolar you go up and down obviously, and
Speaker 2: eventually he had depression as well, which he didn't do
Speaker 2: anything about, and after some situations we got into, he
Speaker 2: ended up going to the mental for a bit and
Speaker 2: coming back out. But he was earning really good money.
Speaker 2: He was a rope access technician, so he was on
Speaker 2: high rise buildings and dealing like super high rise buildings
Speaker 2: all the time. Oh. I could never.
Speaker 3: That is literally I could never.
Speaker 2: The most scary job you could think of. To think
Speaker 2: that you're doing that job and also have your brain
Speaker 2: about you, I couldn't do it. What do you mean
Speaker 2: I have to do that and work at the same time. Wow, No,
Speaker 2: wonder he was on good bank because he deserved.
Speaker 3: It, Yeah, one hundred percent. So yeah, he was battling depression,
Speaker 3: and even though he was earning good money, I don't
Speaker 3: know where it went. It never really came towards me
Speaker 3: and the kids. Toward the end, I did get him
Speaker 3: to start paying child support. Like we were together, but
Speaker 3: not together all the time. It's really complicated relationship, and
Speaker 3: I think that's what comes with an abusive relationship. It's
Speaker 3: not look through it. It's kind of like all over
Speaker 3: the place. And so I ended up cracking in twenty
Speaker 3: twenty one, all the pressure got too much for me.
Speaker 3: I had a really bad episode and I ended up
Speaker 3: in the mental ward in the public system, and I
Speaker 3: had no money. I had spent it all on god
Speaker 3: knows what, and I was at a really, really, really
Speaker 3: low point, and I was told if I don't go
Speaker 3: to the mental ward that they'll put me in. So
Speaker 3: I chose to go by myself, and I stayed there
Speaker 3: for a month. And I have two little girls there,
Speaker 3: seven and four. They stayed with my mom, so my
Speaker 3: mom was very supportive during that time, and their dad
Speaker 3: looked after him as well, quite intensely. And that was
Speaker 3: probably the longest he'd spent with them consistently in quite
Speaker 3: a while. Because we lived a part, and then when
Speaker 3: I got out, that's when we had an argument and
Speaker 3: he decided to take his life, and that was really hard.
Speaker 2: Lotry, you know that has nothing to do with you.
Speaker 2: That's not your fault, right you know that.
Speaker 3: Yeah, definitely, Yeah, definitely.
Speaker 2: Yeah, that is not your decision.
Speaker 3: Yeah. No, It's been definitely a rollercoaster, and I think
Speaker 3: I ended up going back into the mental ward because
Speaker 3: that was quite horrific and I wasn't set up for success. No,
Speaker 3: So that was again really hard on both me and
Speaker 3: the girls and our relationship. And at this point, I
Speaker 3: think I couldn't go back to my rental that I
Speaker 3: was renting out, that I was in a rental and
Speaker 3: I couldn't go back, So my dad emptied out the
Speaker 3: rental and I moved back in with my parents.
Speaker 2: Yeah. I'm so glad to hear you had your parents
Speaker 2: during this process.
Speaker 3: Yeah. Been amazing.
Speaker 2: Oh what wholesome human beings.
Speaker 3: Yeah, No, definitely. I don't know what I'd do without them.
Speaker 3: They've been a huge cushion to my success in the
Speaker 3: past year and a half. But after I got out,
Speaker 3: I moved back in with my parents, and in the
Speaker 3: mental ward, it was really good. Because I finally got
Speaker 3: on medication that was suitable, yeah, Gorge, And it was
Speaker 3: the first time I'd been stable in quite a while,
Speaker 3: and I didn't know what stability felt like. So two
Speaker 3: months on, after everything had happened, I decided I wanted
Speaker 3: to get a job because my anxiety about money just skyrocketed.
Speaker 3: Freaking out that the girls would have nothing in their
Speaker 3: future and it was all on me, you know, and
Speaker 3: that freaked me out massively. So I decided to go
Speaker 3: back or go to work full time. I hadn't worked.
Speaker 3: I think I had like three thousand dollars in my
Speaker 3: super at the time, and I was like, you know,
Speaker 3: you've got to stuff somewhere. I didn't have a degree,
Speaker 3: I didn't have experience, but I just picked up a
Speaker 3: I think it was a contract position paying like forty
Speaker 3: five or fifty thousand a year, and then worked in
Speaker 3: that for a while, then got offered a permanent position,
Speaker 3: and then moved from that position to another position. And
Speaker 3: now I've just taken up a new job and it's
Speaker 3: paying much better and my soup is growing and everything's
Speaker 3: going well. So that's kind of where I am today.
Speaker 2: I'm so proud of you to go through that situation
Speaker 2: and then you got back on the horse, you got
Speaker 2: a job. You have stood up in a way that
Speaker 2: your kids needed you to. I cannot begin to think
Speaker 2: about how proud your girls are going to be when
Speaker 2: they're at an age that they can comprehend what you
Speaker 2: went through, Like, Oh, my gosh, they're going to be like,
Speaker 2: our mum is a bloody legend.
Speaker 3: I really hope.
Speaker 2: So oh no, no, no, they will, They absolutely will.
Speaker 2: So I want to know. So you said before you've
Speaker 2: got a better position. What does that mean? What do
Speaker 2: you do for work?
Speaker 3: Now?
Speaker 2: How much money are you earning?
Speaker 3: Yeah? So I work in HR and I am earning well.
Speaker 3: I think my total enumeration is ninety eight thousand.
Speaker 2: Oh my gosh. And you went through this circumstance at
Speaker 2: the end of twenty twenty one, which from my very
Speaker 2: basic maths means it's been just over a year. Is
Speaker 2: that about right? And you've turned your life around completely,
Speaker 2: You're on the right medication. You look, from my perspective,
Speaker 2: like a glowy, happy human. And I mean, there's probably
Speaker 2: a lot going on there, but you just look like
Speaker 2: that is not a circumstance that you had to experience.
Speaker 3: Yeah, I mean it's not a circumstance. I still kind
Speaker 3: of fathom that I experienced.
Speaker 2: No, of course not. You said in your letter into
Speaker 2: us that you know you're in this circumstance where you've
Speaker 2: got pre approval to buy a house, like what you
Speaker 2: have savings, I wouldn't know what are your big money goals,
Speaker 2: what are you working towards.
Speaker 3: Yeah, so I did get a preapproval. I got it
Speaker 3: on the two percent home loan scheme for single parents. Yeah,
Speaker 3: And I kind of got it because I got kicked
Speaker 3: out of my rental and I was like, that's it.
Speaker 3: I've had enough renting. So I decided I just throw
Speaker 3: my hat and see what happens if I tried to
Speaker 3: go for a pre approval. So I talked to a
Speaker 3: mortgage broker and I got approved, and I was really shocked.
Speaker 3: And then I was like, wait, hold on, I don't
Speaker 3: think I can actually service alone yet.
Speaker 2: But you'll get there, And I think that's so exciting.
Speaker 3: Yeah, I want to buy a house, but I want
Speaker 3: to be able to actually afford it in the long term.
Speaker 3: Even though I got my pre approval, I, like I said,
Speaker 3: I want to be able to afford an actual like
Speaker 3: mortgage plus all the extras and like crunching the numbers.
Speaker 3: I don't know if that's doable and still having a
Speaker 3: life outside of that.
Speaker 2: Yeah, And you know, that's one of the most intelligent
Speaker 2: things you can do in the home buying process, because
Speaker 2: I think people get so caught up in saving their
Speaker 2: deposit or like really you know, being frugal to the
Speaker 2: point of missing out on everything just to get to
Speaker 2: that point where they buy the home, and they really
Speaker 2: don't conceptualize what life is going to look like when
Speaker 2: you have a mortgage, when it's your responsibility that the
Speaker 2: hot water system breaks, you have to pay for it,
Speaker 2: and when it's your responsibility to pay all of the
Speaker 2: rates and all the bills and everything that comes with that,
Speaker 2: and you just think that where you're coming from and
Speaker 2: that mindset of like, oh, I just want to you know,
Speaker 2: I've got this pre approval, which a lot of people
Speaker 2: would just run straight into and be like, all right, well,
Speaker 2: give me the loan, give me the house, like pre
Speaker 2: approved ten out of ten. Tick, let's go. I think
Speaker 2: that you've got this really great mindset of like, oh, actually,
Speaker 2: can we get to a point of you know a
Speaker 2: little bit more financial stability. That is going to serve
Speaker 2: you so well long term, and it makes me so
Speaker 2: happy to hear that money diarist. The next question I
Speaker 2: have for you you mentioned before I only had three
Speaker 2: thousand dollars in super. That's still three grand in super
Speaker 2: and that is still better than nothing, my friend. But
Speaker 2: I want to know do you have any investments.
Speaker 3: I've got one thousand, seven hundred on chezeas and my
Speaker 3: suffers come up to seven six hundred.
Speaker 2: Oh that's growing quickly.
Speaker 3: Yeah, it's getting there.
Speaker 2: That's really exciting. So tell me a little bit more
Speaker 2: about your investing journey. You said I have seventeen hundred
Speaker 2: dollars on Charesis, which that's a big deal. A lot
Speaker 2: of people don't even take that step. How did you
Speaker 2: take that step?
Speaker 1: Like?
Speaker 2: Why are you investing? What are you investing for?
Speaker 3: I mean, I've been listening to Cheese on the Money
Speaker 3: for quite a while, and so when you guys were
Speaker 3: promoting Scharzease, I was like, I'm going to check that out.
Speaker 3: And I looked at it. It was really easy to understand.
Speaker 3: So I kind of just took the leap and I
Speaker 3: was like, oh, chuck, you know a little bit of
Speaker 3: money here and there and see it grow. It's dropped
Speaker 3: down a bit, but I plan on keeping it like
Speaker 3: long term. I don't really check it much, but I
Speaker 3: want to be like a really long term investor. I'm
Speaker 3: not too worried about risk because I believe it always
Speaker 3: will end up going up eventually.
Speaker 2: Over the long term, I think is the best way
Speaker 2: to be investing. To flip that, Do you have any debts?
Speaker 3: Yes, I do. I have my HEX debt which is
Speaker 3: sitting at twenty six thousand, and that's because I'm currently
Speaker 3: studying and I've also did a beauty therapy diploma which
Speaker 3: didn't work out.
Speaker 2: Well, that's okay. We live and we learn. We live
Speaker 2: and we learn. What are you currently studying? Like, what's
Speaker 2: the big career goal? Because from my perspective, you're on
Speaker 2: a pretty good innings right now.
Speaker 3: Yeah, so I'm adding to that, I'm studying HR, a
Speaker 3: degree in HR. Now. I want to improve in my
Speaker 3: career and I really want to grow. And it took
Speaker 3: me like thirty years to figure out I actually like HR.
Speaker 2: So how good? No, I love that. I feel like
Speaker 2: KHR is an underrated career. Honestly, you get to work
Speaker 2: with people, you get to have an impact like it
Speaker 2: is something that I probably could see myself in one
Speaker 2: thousand percent.
Speaker 3: Yeah, No, it's.
Speaker 2: Awesome, Money Diarists, Let's go to a really quick break.
Speaker 2: After the break though, I want to talk to you
Speaker 2: about your best and your worst money habits, but I
Speaker 2: also want to delve a little bit deeper into finding
Speaker 2: the right medication and how that works and the impact
Speaker 2: of that on your quality of life. So guys, don't
Speaker 2: go anywhere, money diarist. I'm meant to go back to
Speaker 2: the questions, but I don't want to go back to
Speaker 2: the questions just yet because I really want to talk
Speaker 2: about the right medication. And I have spoken before on
Speaker 2: this podcast about how I am medicated for anxiety and
Speaker 2: depression and that it's something that I know I will
Speaker 2: always be medicated for. It's not something where the second
Speaker 2: I know I'm better, I'm going to go off it.
Speaker 2: Money Dirist, you've experienced I guess both sides of that coin.
Speaker 2: You said you had been diagnosed with bipolar in your
Speaker 2: teenage years, you were medicated, maybe not the right medication.
Speaker 2: You then went off medication, and now you're on the
Speaker 2: right one. Can you talk us through I guess that
Speaker 2: journey and how it impacts your quality of life, because
Speaker 2: I feel like you're a different person if I had
Speaker 2: met you two years ago.
Speaker 1: Yeah.
Speaker 3: No, definitely. When I was young, they tried me on
Speaker 3: a medication that wasn't antidepressant because they thought I just
Speaker 3: had depression, and that sent me into a manic episode,
Speaker 3: which is what it does if you have bipolar and
Speaker 3: so they quickly took me off that and put me
Speaker 3: on a different medication, and that one made me feel numb,
Speaker 3: but it was better than feeling too much, so I
Speaker 3: don't think it was quite the right medication. It was lithium,
Speaker 3: which has a lot of side effects, and it's something
Speaker 3: I have to be on lifelong. I didn't really want
Speaker 3: to stay on it forever, but it was my best
Speaker 3: option at the time, and I was quite young. Yeah,
Speaker 3: so I stayed on that. You have to get lots
Speaker 3: of tests when you have it as well when you're
Speaker 3: on lithium, so it wasn't ideal, but I stayed on
Speaker 3: it for a couple of years and then I came
Speaker 3: off it. That was obviously a disaster. I think I
Speaker 3: vaguely remember trying another medication i'd been seeing psychologists and
Speaker 3: psychiatrists throughout the years. But part of bipolo is, you know,
Speaker 3: being inconsistent and erratic, and so I never really stuck
Speaker 3: with a therapist long enough to make a difference. And then, yeah,
Speaker 3: finding the right medication was life changing, but it was
Speaker 3: trial and error. I went on the medication and I
Speaker 3: got a body rash, like I got full head to
Speaker 3: toe rash, and so they had to quickly take me
Speaker 3: off that. But it was this medication I really wanted.
Speaker 3: So we tried the non generic brand of it and
Speaker 3: it turned out that was fine, So even though I
Speaker 3: have to pay extra, it's worth it. And then they
Speaker 3: added an antipsychotic, which is probably the most life changing
Speaker 3: one because it just alongside a mood stabilizer, it just
Speaker 3: took away all the anger and the edge of like
Speaker 3: irritability and things that make parenting really difficult.
Speaker 2: I can imagine, Oh my gosh, So talk to me
Speaker 2: about the financial impact of that, because this sounds like
Speaker 2: an expensive process with lots of different therapists and different
Speaker 2: medication changes and now not being able to be on
Speaker 2: the generic brand. What is this costing you?
Speaker 3: Thankfully, it doesn't cost me too much. I spend about
Speaker 3: forty dollars of medication a month. I think that's not
Speaker 3: too bad. I haven't actually calculated it. No, it's not
Speaker 3: too bad. And I have at this new job, they
Speaker 3: pay for private health insurance.
Speaker 2: Oh my gosh money ween.
Speaker 3: Yeah, massive money.
Speaker 2: When massive money, ween, that is so good.
Speaker 3: Yeah, so I can get that covered, so I'm not
Speaker 3: really out of pocket for it anymore. But therapists are
Speaker 3: really expensive. Yes, I always had a mental health care plan,
Speaker 3: so that covers a big portion of the cost, but
Speaker 3: you're always left with a gap fee depending on the
Speaker 3: therapist you see, and then there's long wait times, and
Speaker 3: when you're having an episode, you already can't organize yourself
Speaker 3: to even like see a therapists, let alone sit through
Speaker 3: the waiting time and think, oh, you know, I actually
Speaker 3: need this so and then by the time it comes around,
Speaker 3: you don't have the money. So yeah, I don't know.
Speaker 3: I somehow scraped by and managed to afford therapists, but
Speaker 3: with the mental health care plan, I couldn't afford it
Speaker 3: after the plan run out, which is yeah, when you
Speaker 3: have an ongoing mental health issue, it runs out, and
Speaker 3: then you just on your own again. If you can't
Speaker 3: afford it.
Speaker 2: Yeah. Wow, Oh my gosh, I feel like you're a
Speaker 2: really different person to the person you probably were two
Speaker 2: years ago. I want to know, what does the future
Speaker 2: look like. You've gone through an insanely traumatic event and
Speaker 2: you have two kids, You've got a four and a
Speaker 2: seven year old. What does the future look like? Where
Speaker 2: are we going? How does that work?
Speaker 3: Yeah? I want to be able to keep affording my lifestyle.
Speaker 3: So I've got the girls in gymnastics and swimming, and
Speaker 3: I don't want to give those things up because I
Speaker 3: want them to have everything they need and more so,
Speaker 3: I've got to figure out how to balance you know,
Speaker 3: long term goals like buying a house with short term girls,
Speaker 3: like making you know, the kids' lifestyles as good as
Speaker 3: I can. So I'm hoping to keep increasing my income,
Speaker 3: finishing my degree, and just keep pushing.
Speaker 2: I love this. I love it so much. I want
Speaker 2: to know, what do you think is your best money habit.
Speaker 3: My best money habit, thanks to the beauty diploma, is
Speaker 3: doing all my own beauty stuff at home, so that
Speaker 3: saves me a lot.
Speaker 2: Ten out of ten. I mean, you can probably drop
Speaker 2: some tips for us in the She's on the Money
Speaker 2: Facebook group because I need to do more stuff at home,
Speaker 2: but we can talk about that later. What do you
Speaker 2: think is your biggest money win when it comes to
Speaker 2: doing stuff at home?
Speaker 3: Probably nails and lash lifts.
Speaker 2: Lash lifts at home.
Speaker 3: My sister's also a beauty therapist, so we kind of
Speaker 3: do treatments on each other.
Speaker 2: Oh, absolute money win. I'm actually quite envious. Let me
Speaker 2: know when that's happening. I will pop over. On the
Speaker 2: flip side of that, I want to know, what do
Speaker 2: you think is your worst money habit?
Speaker 3: It's grocery shopping without looking at the prices because as
Speaker 3: a kid, my mom used to look at every single
Speaker 3: price and have to calculate the total, and so now
Speaker 3: I'm pretty frivolous with my grocery shopping and spend way
Speaker 3: too much on groceries.
Speaker 2: I feel like that's a luxury you deserve to have, though,
Speaker 2: my friend, Yeah, I hope. So that's not the worst
Speaker 2: money habit I've ever heard of. Most definitely like I
Speaker 2: feel like they're there are definitely worse, and it sounds
Speaker 2: like you are absolutely killing it. We don't have a
Speaker 2: lot of time left together, but at the start of
Speaker 2: this episode, I asked you to give yourself a money greade,
Speaker 2: and you said, look, I think I'm a flat sea.
Speaker 2: And then you've gone on to tell me I'm earning
Speaker 2: a really good income. I've increased my income a whole
Speaker 2: heap of time since getting my job. I'm investing. I've
Speaker 2: got this big money goal of buying a house, and
Speaker 2: you know what I actually am thinking about this, I
Speaker 2: want to make sure that I'm not just buying a house.
Speaker 2: I can actually service the loan and still have my lifestyle.
Speaker 2: You don't have any personal date. You have really good
Speaker 2: money habits, Like, do you still think you're a se
Speaker 2: my friend?
Speaker 3: I mean, I have really high expectations.
Speaker 2: That's fair.
Speaker 3: Yeah, Comparison is also the devil, and I think without
Speaker 3: comparing myself objectively, I think I'm doing really well considering everything.
Speaker 3: I think i'd like to give myself a B plus
Speaker 3: if I was being less judgmental on myself.
Speaker 2: I think that's a good place to be. And I
Speaker 2: think it's a good thing to recognize as well, because
Speaker 2: I'm going to guarantee you money direst There are a
Speaker 2: whole heap of people listening to this going absolutely not
Speaker 2: she's an a, she's killing it. She's a queen. But
Speaker 2: if you need to lift a little bit more of
Speaker 2: that judgment from yourself, I think that's a really good
Speaker 2: thing to work on as well. But oh my gosh,
Speaker 2: what a story. I feel like you have been through
Speaker 2: the absolute wars and I'm just so proud of where
Speaker 2: you're at now, Like your girls are going to be
Speaker 2: so proud of you and everything that you've achieved. And
Speaker 2: I mean they probably can't comprehend any of those things
Speaker 2: right now, but when they're older, I promise they are
Speaker 2: going to tell everybody about how great their mum is.
Speaker 2: I just know it. So thank you so so much
Speaker 2: for joining us. It has been a pleasure hearing your
Speaker 2: money story.
Speaker 3: Thank you so much for having me.
Speaker 2: The advice shared on She's on the Money is general
Speaker 2: in nature and does not consider your individual circumstances. She's
Speaker 2: on the Money exists purely for educational purposes and should
Speaker 2: not be relied upon to make an investment or financial decision.
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