1 00:00:00,200 --> 00:00:02,960 Speaker 1: My name is Satasha Bamblet. I'm a proud First Nations 2 00:00:03,000 --> 00:00:08,559 Speaker 1: woman and I'm here to acknowledge country te glennyan Ganya, Niana, 3 00:00:08,680 --> 00:00:11,920 Speaker 1: Kaka yah y and Binahaka Nian our gay In Mbini, 4 00:00:11,960 --> 00:00:16,920 Speaker 1: yakarum Jar, dominyamiga Umaga Ihowaka, Nile, Waman damin Immalan, Bumba 5 00:00:16,960 --> 00:00:20,040 Speaker 1: bang gadaboma In and now in wakah ghana on yakarum 6 00:00:20,120 --> 00:00:24,960 Speaker 1: Jar Watanadaa. Hello, beautiful friends, we gather on the lands 7 00:00:24,960 --> 00:00:28,040 Speaker 1: of the Aboriginal people. We thank acknowledge and respect the 8 00:00:28,080 --> 00:00:31,240 Speaker 1: Abiginal people's land that we're gathering on today. Take pleasure 9 00:00:31,280 --> 00:00:33,919 Speaker 1: in all the land and respect all that you see. 10 00:00:34,600 --> 00:00:40,240 Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections, 11 00:00:40,960 --> 00:00:44,600 Speaker 1: bringing you the tools, knowledge and resources for you to thrive. 12 00:00:45,080 --> 00:00:46,879 Speaker 2: She's on the Money. 13 00:00:47,040 --> 00:00:53,080 Speaker 3: She's on the Money. Hello, and welcome to She's on 14 00:00:53,159 --> 00:00:55,240 Speaker 3: the Money, the podcast that'll let you be a pervy 15 00:00:55,280 --> 00:00:59,120 Speaker 3: about other people's money habits for educational purposes, of course. 16 00:00:59,640 --> 00:01:02,400 Speaker 3: Welcome back to another one of our Money Diarius episodes, 17 00:01:02,400 --> 00:01:04,840 Speaker 3: brought to you by our friends at sky Wealth, where 18 00:01:04,880 --> 00:01:07,360 Speaker 3: I get the absolute privilege of sitting down with one 19 00:01:07,400 --> 00:01:10,080 Speaker 3: of our incredible Shees on the Money community members and 20 00:01:10,120 --> 00:01:13,160 Speaker 3: talking to them all about their journey. Now let's jump 21 00:01:13,319 --> 00:01:15,840 Speaker 3: straight into it, because this week I got a message 22 00:01:15,880 --> 00:01:19,319 Speaker 3: and it sounded exactly like this high Shees on the Money. 23 00:01:19,560 --> 00:01:22,520 Speaker 3: I'm thirty one. I work in mining recruitment and have 24 00:01:22,600 --> 00:01:26,080 Speaker 3: spent many years rebuilding my confidence with money. I've gone 25 00:01:26,080 --> 00:01:30,280 Speaker 3: from worrying about every single dollar to saving aggressively investing 26 00:01:30,319 --> 00:01:33,600 Speaker 3: and planning a dream Thaighland trip and thinking seriously about 27 00:01:33,600 --> 00:01:36,720 Speaker 3: my future. I don't have a perfect money story. I 28 00:01:36,840 --> 00:01:40,120 Speaker 3: still battle with lifestyle spending and the pressure to buy property, 29 00:01:40,480 --> 00:01:43,480 Speaker 3: but I'm learning how to build wealth while actually enjoying 30 00:01:43,520 --> 00:01:46,360 Speaker 3: my life. I'd love to share the winds, mistakes, and 31 00:01:46,440 --> 00:01:49,720 Speaker 3: mindset changes that got me here money Doris. The second 32 00:01:49,800 --> 00:01:51,640 Speaker 3: I saw that, I was like, get on my show. 33 00:01:51,960 --> 00:01:54,880 Speaker 3: This is amazing. Welcome. Yeah, it's definitely a bit of 34 00:01:54,880 --> 00:01:59,200 Speaker 3: a shift mining recruitment. Like I'm just I'm not gonna 35 00:01:59,200 --> 00:02:01,360 Speaker 3: ask any questions now, we'll get into that in a 36 00:02:01,360 --> 00:02:04,160 Speaker 3: hot second. The question I'd like to ask people right 37 00:02:04,160 --> 00:02:06,680 Speaker 3: off the bat, what grade money dost would you give 38 00:02:06,680 --> 00:02:08,240 Speaker 3: your money habits if I asked you to give them 39 00:02:08,240 --> 00:02:09,560 Speaker 3: a grade from A through to F. 40 00:02:09,919 --> 00:02:12,760 Speaker 4: I'd probably give myself a B. I think I've come 41 00:02:12,800 --> 00:02:15,800 Speaker 4: a fair way. Yeah, all right, so let's learn a 42 00:02:15,800 --> 00:02:18,079 Speaker 4: little bit more about that. Can you tell me a 43 00:02:18,160 --> 00:02:20,040 Speaker 4: little bit more about your money story and the things 44 00:02:20,080 --> 00:02:22,440 Speaker 4: that have impacted it. I grew up in a house 45 00:02:22,480 --> 00:02:26,800 Speaker 4: where money was always like talked about, but like in 46 00:02:26,840 --> 00:02:30,280 Speaker 4: a negative way, Like my dad was sort of would 47 00:02:30,400 --> 00:02:33,200 Speaker 4: use it as a bit of a source of control. Yeah, 48 00:02:33,240 --> 00:02:35,400 Speaker 4: so like he wanted my mom to stay at home 49 00:02:35,480 --> 00:02:38,840 Speaker 4: and raise the children, and he referred to money as 50 00:02:38,919 --> 00:02:39,320 Speaker 4: like his. 51 00:02:39,360 --> 00:02:42,000 Speaker 3: Money, Oh delight me, not like the families. 52 00:02:42,560 --> 00:02:46,280 Speaker 4: Yeah, which was always like I guess kind of gave 53 00:02:46,320 --> 00:02:48,560 Speaker 4: me a little bit of a sort of worry about 54 00:02:48,600 --> 00:02:50,639 Speaker 4: like finances and all that sort of stuff. I'd see 55 00:02:50,639 --> 00:02:53,160 Speaker 4: what pressure my mom was under, like not to spend 56 00:02:53,200 --> 00:02:56,480 Speaker 4: money and things like that. Yeah, and yeah, I basically 57 00:02:56,800 --> 00:02:59,600 Speaker 4: just like saw how she was discouraged from chasing her 58 00:02:59,639 --> 00:03:02,640 Speaker 4: career and pursuing opportunities that came up to give her 59 00:03:02,720 --> 00:03:03,839 Speaker 4: financial independence. 60 00:03:03,960 --> 00:03:07,440 Speaker 3: So, oh my god, that's so rough. That is so rough. 61 00:03:07,520 --> 00:03:11,240 Speaker 3: And seeing that as a child, like I'm assuming at 62 00:03:11,280 --> 00:03:14,200 Speaker 3: an age that you were like relatively formative. You don't know, 63 00:03:14,240 --> 00:03:16,400 Speaker 3: that's wrong. You just go, well, it must be his money, 64 00:03:16,400 --> 00:03:18,040 Speaker 3: that must be how this works. 65 00:03:18,639 --> 00:03:21,760 Speaker 4: Yeah, exactly, And I think it had a huge impact 66 00:03:21,800 --> 00:03:23,640 Speaker 4: on me. And like the way that I saw money 67 00:03:23,800 --> 00:03:26,080 Speaker 4: when I first started earning money for myself, I kind 68 00:03:26,120 --> 00:03:28,960 Speaker 4: of went in the opposite direction of like how my 69 00:03:29,040 --> 00:03:32,359 Speaker 4: dad is with money, Like my dad's like wouldn't want 70 00:03:32,400 --> 00:03:34,720 Speaker 4: to spend money on anything, would be very very like 71 00:03:34,840 --> 00:03:37,160 Speaker 4: strict with money. So I just sort of went out 72 00:03:37,200 --> 00:03:41,880 Speaker 4: and spent all my money on like poes and you know, 73 00:03:42,480 --> 00:03:44,440 Speaker 4: going out with my friends and things like that. 74 00:03:44,600 --> 00:03:46,960 Speaker 3: It makes sense because you didn't have freedom before and 75 00:03:47,000 --> 00:03:48,800 Speaker 3: then all of a sudden you have freedom of choice 76 00:03:48,800 --> 00:03:50,520 Speaker 3: and you're like, oh my god, I can choose anything, 77 00:03:50,520 --> 00:03:53,720 Speaker 3: and I'm going too, and like that is so common, 78 00:03:53,920 --> 00:03:55,440 Speaker 3: Like I wish I could be like, oh no, that 79 00:03:55,480 --> 00:03:58,800 Speaker 3: doesn't really happen. Like usually if we've been constricted in 80 00:03:58,880 --> 00:04:01,800 Speaker 3: literally anything, it would be money, it could be food, 81 00:04:01,920 --> 00:04:04,680 Speaker 3: it could be like our lifestyle, it could be anything. 82 00:04:04,840 --> 00:04:06,960 Speaker 3: The second we go from being like no, you're not 83 00:04:07,000 --> 00:04:09,400 Speaker 3: being restricted to you can basically do anything and make 84 00:04:09,440 --> 00:04:12,600 Speaker 3: your own choices, we do get a little bit silly, 85 00:04:12,840 --> 00:04:15,000 Speaker 3: like we do, and we don't mean it but it's 86 00:04:15,040 --> 00:04:17,520 Speaker 3: our way of kind of like making sure that we 87 00:04:17,600 --> 00:04:18,960 Speaker 3: feel like we're in control. 88 00:04:19,200 --> 00:04:21,400 Speaker 4: Yeah exactly, I jumped off the other side of the 89 00:04:21,480 --> 00:04:26,040 Speaker 4: spectrum pretty much. And yeah, basically was like that up 90 00:04:26,160 --> 00:04:30,000 Speaker 4: until very recently, to be honest, And then I started 91 00:04:30,080 --> 00:04:33,039 Speaker 4: sort of having a bit of a mindset shift because 92 00:04:33,040 --> 00:04:36,200 Speaker 4: I'm getting older now, and yeah, my relationship with money 93 00:04:36,520 --> 00:04:40,000 Speaker 4: is definitely changed a lot thanks to you as well. 94 00:04:40,560 --> 00:04:42,000 Speaker 3: Oh so sweet. 95 00:04:42,120 --> 00:04:44,920 Speaker 4: Yeah, Like I was like getting into saving and all 96 00:04:44,920 --> 00:04:47,160 Speaker 4: that sort of stuff, and then just like obviously listen 97 00:04:47,200 --> 00:04:50,000 Speaker 4: to a lot of podcasts and spread a few books 98 00:04:50,080 --> 00:04:52,599 Speaker 4: and things, and then yeah, my mindset sort of shifted, 99 00:04:52,600 --> 00:04:56,400 Speaker 4: and I realized that like obviously, building like wealth and 100 00:04:56,440 --> 00:04:59,880 Speaker 4: all that sort of stuff is actually really important because 101 00:05:00,400 --> 00:05:03,840 Speaker 4: that's actually you've got more control over your money if 102 00:05:03,880 --> 00:05:06,599 Speaker 4: you're doing that rather than spending it all on close. 103 00:05:07,000 --> 00:05:10,919 Speaker 3: And it's totally about learning this idea of delayed versus 104 00:05:11,000 --> 00:05:13,280 Speaker 3: instant gratification, because like, when you come out of a 105 00:05:13,320 --> 00:05:16,520 Speaker 3: situation that is rather restricted, whether you understand it or not, 106 00:05:17,040 --> 00:05:19,839 Speaker 3: instant gratification is what we default to because you've had 107 00:05:20,080 --> 00:05:23,760 Speaker 3: you know this, I would say delayed gratification, but like 108 00:05:23,880 --> 00:05:25,760 Speaker 3: not in a good way, like things have always been 109 00:05:25,800 --> 00:05:28,039 Speaker 3: pushed off for you, and you're like, well, this idea 110 00:05:28,080 --> 00:05:30,640 Speaker 3: of delayed gratification doesn't really work because like people say, 111 00:05:30,680 --> 00:05:32,799 Speaker 3: you can have it later or you know, not now, 112 00:05:32,839 --> 00:05:34,719 Speaker 3: and you're like, well that never happens, Like that never 113 00:05:34,760 --> 00:05:37,320 Speaker 3: comes true. So you go to, oh, those genes of 114 00:05:37,360 --> 00:05:39,600 Speaker 3: sale right now, and I'm going to have them right now, 115 00:05:39,680 --> 00:05:42,560 Speaker 3: and that makes me feel really good and my dopamine spikes, 116 00:05:42,600 --> 00:05:45,800 Speaker 3: and girl, I get it, like I really do. And 117 00:05:45,960 --> 00:05:48,000 Speaker 3: I got myself into a pickle because I was such 118 00:05:48,040 --> 00:05:51,920 Speaker 3: an instant like gratification queen. But like, don't get me wrong, 119 00:05:52,120 --> 00:05:54,560 Speaker 3: that felt good, didn't it. Like we don't have to 120 00:05:54,600 --> 00:05:59,000 Speaker 3: look back and say, oh, oh I was so bad. Girl. 121 00:05:59,040 --> 00:06:02,479 Speaker 3: I had a good time into debt, like I really did. 122 00:06:02,720 --> 00:06:04,400 Speaker 4: I enjoyed the five passls a week. 123 00:06:04,880 --> 00:06:07,760 Speaker 3: Oh my god, me too. But like at some point 124 00:06:07,800 --> 00:06:12,240 Speaker 3: you realize, hmm, this is actually stealing from future me. 125 00:06:12,400 --> 00:06:14,520 Speaker 3: What am I going to start doing? So tell me 126 00:06:14,560 --> 00:06:17,720 Speaker 3: about that mindset shift. You started listening to podcasts and 127 00:06:17,760 --> 00:06:20,400 Speaker 3: like picking up content and focusing on your savings. But like, 128 00:06:20,760 --> 00:06:23,280 Speaker 3: what made you go I actually want to do this 129 00:06:23,520 --> 00:06:26,440 Speaker 3: because like so many people want to but then, don't 130 00:06:26,760 --> 00:06:27,400 Speaker 3: I think. 131 00:06:27,200 --> 00:06:30,320 Speaker 4: A lot of it as well? Was I changed from 132 00:06:30,360 --> 00:06:33,200 Speaker 4: being in a job where I was making it week 133 00:06:33,279 --> 00:06:36,760 Speaker 4: to week, whereas like any little bits of money that 134 00:06:36,800 --> 00:06:38,480 Speaker 4: I had spare, I was like, oh, I might as 135 00:06:38,520 --> 00:06:42,239 Speaker 4: well just spend it. Yeah, And then obviously got better 136 00:06:42,320 --> 00:06:45,440 Speaker 4: jobs and better jobs, and then sort of was like, Okay, 137 00:06:45,480 --> 00:06:49,040 Speaker 4: well I need to actually start thinking about my future, 138 00:06:49,400 --> 00:06:51,680 Speaker 4: growing a bit older as well, and then sort of 139 00:06:52,240 --> 00:06:56,560 Speaker 4: realizing that other people were further along than me, like 140 00:06:56,640 --> 00:06:59,240 Speaker 4: I was just renting with some friends, and you know, 141 00:06:59,720 --> 00:07:03,480 Speaker 4: then I sort of realized, oh, property market, how am 142 00:07:03,520 --> 00:07:06,800 Speaker 4: I ever gonna like afford a home if I don't 143 00:07:06,880 --> 00:07:10,320 Speaker 4: like start to actually really think about money and savings 144 00:07:10,360 --> 00:07:12,000 Speaker 4: and all that sort of stuff totally. 145 00:07:12,080 --> 00:07:14,440 Speaker 3: And in the I don't know if I call them 146 00:07:14,480 --> 00:07:18,000 Speaker 3: letters or emails or whatever people send me. You said 147 00:07:18,080 --> 00:07:20,400 Speaker 3: that you know, you're still battling lifestyle spending and the 148 00:07:20,400 --> 00:07:23,720 Speaker 3: pressure to buy property, and I feel like that's really 149 00:07:23,760 --> 00:07:26,560 Speaker 3: relatable for our community. And you keep saying I'm getting older. 150 00:07:26,600 --> 00:07:28,720 Speaker 3: I'm I want to like smack you down a little 151 00:07:28,720 --> 00:07:30,720 Speaker 3: bit and be like, queen, you are only thirty one, 152 00:07:30,840 --> 00:07:34,920 Speaker 3: like please, like you are so young, but it's so 153 00:07:35,680 --> 00:07:39,120 Speaker 3: hard when you get to that like thirty year old age. 154 00:07:39,200 --> 00:07:42,240 Speaker 3: I feel, especially for people in twenty twenty six, you 155 00:07:42,280 --> 00:07:46,000 Speaker 3: get to about thirty and like it's like wealth starts 156 00:07:46,040 --> 00:07:48,800 Speaker 3: to seep out of people, so instead of being relatable 157 00:07:48,800 --> 00:07:50,400 Speaker 3: and having housemates and you're all kind of in the 158 00:07:50,400 --> 00:07:52,680 Speaker 3: same ship, Like you will start to see a few 159 00:07:52,720 --> 00:07:54,600 Speaker 3: friends buy a property and you're like, hold on, I 160 00:07:54,640 --> 00:07:56,440 Speaker 3: didn't even realize you were saving. And you start to 161 00:07:56,480 --> 00:07:58,800 Speaker 3: see a few friends like spend big on a Europe 162 00:07:58,880 --> 00:08:00,720 Speaker 3: trip and you're like, hold on, and I didn't realize 163 00:08:00,720 --> 00:08:03,080 Speaker 3: you could afford that. And you kind of realize that 164 00:08:03,080 --> 00:08:05,240 Speaker 3: people have been saving and investing in the background, and 165 00:08:05,280 --> 00:08:09,080 Speaker 3: you're like feel left behind in a way, but you're not, 166 00:08:09,480 --> 00:08:12,880 Speaker 3: like you're literally where you're supposed to be. But is 167 00:08:12,920 --> 00:08:14,640 Speaker 3: that kind of how it felt for you? 168 00:08:14,960 --> 00:08:18,080 Speaker 4: Yeah, definitely, I felt like I was behind a lot. 169 00:08:18,240 --> 00:08:21,240 Speaker 4: But another thing would be I'm in a long term 170 00:08:21,280 --> 00:08:25,680 Speaker 4: relationship and my partner he owns his house and has 171 00:08:25,760 --> 00:08:27,920 Speaker 4: pretty much nearly paid off his mortgage. 172 00:08:28,200 --> 00:08:29,880 Speaker 3: Okay, she knows how to date. 173 00:08:31,000 --> 00:08:33,400 Speaker 4: He's a bit older than me. But I think like 174 00:08:33,720 --> 00:08:36,560 Speaker 4: as well, like bringing it back to like my parents, 175 00:08:36,679 --> 00:08:39,840 Speaker 4: and that situation is like I still want to buy 176 00:08:40,160 --> 00:08:44,440 Speaker 4: my own property because like I'm quite adavert to be 177 00:08:44,600 --> 00:08:49,240 Speaker 4: like independent and have my own financial freedom as well. 178 00:08:49,440 --> 00:08:52,280 Speaker 3: I'm obsessed. I can't tell you how much I love 179 00:08:52,320 --> 00:08:55,640 Speaker 3: it when I meet a woman who says I'm in 180 00:08:55,679 --> 00:08:57,760 Speaker 3: a long term relationship or I've got a boyfriend, but 181 00:08:57,840 --> 00:08:59,760 Speaker 3: like I don't want him to be part of my 182 00:08:59,760 --> 00:09:02,000 Speaker 3: b get financial goals because I just want to be 183 00:09:02,040 --> 00:09:04,200 Speaker 3: set up on my own. You just know that that's 184 00:09:04,200 --> 00:09:07,520 Speaker 3: a really healthy relationship. You just know that, like you 185 00:09:07,679 --> 00:09:10,360 Speaker 3: obviously have a good level of respect for each other, 186 00:09:10,679 --> 00:09:12,760 Speaker 3: because so many people are like, oh, my boyfriend just 187 00:09:12,760 --> 00:09:14,720 Speaker 3: doesn't want me to do it without him, and that's 188 00:09:14,720 --> 00:09:17,400 Speaker 3: not a problem. Like my husband, if I had said 189 00:09:17,440 --> 00:09:19,040 Speaker 3: I want to buy my own house, he would have 190 00:09:19,040 --> 00:09:21,080 Speaker 3: been like, Victoria, I feel left behind, Like I want 191 00:09:21,080 --> 00:09:23,560 Speaker 3: to be on this journey. But like, obviously there's a 192 00:09:23,559 --> 00:09:25,680 Speaker 3: bit of a difference in your relationship where you said 193 00:09:25,679 --> 00:09:27,680 Speaker 3: your partner is like ahead of you. You're like, I 194 00:09:27,800 --> 00:09:29,000 Speaker 3: just want to catch up and I want to be 195 00:09:29,000 --> 00:09:31,160 Speaker 3: on the same page, and I just is your partner 196 00:09:31,200 --> 00:09:32,160 Speaker 3: really supportive of that? 197 00:09:32,520 --> 00:09:34,600 Speaker 4: Yeah, No, he's happy for me to do it, like 198 00:09:35,200 --> 00:09:38,560 Speaker 4: he's setting the past like just save as much as 199 00:09:38,559 --> 00:09:41,280 Speaker 4: you can and potentially in the future, like depending on 200 00:09:41,320 --> 00:09:44,280 Speaker 4: obviously what happens with the property market and stuff, like 201 00:09:44,320 --> 00:09:47,240 Speaker 4: we might eventually buy something together or I might buy 202 00:09:47,280 --> 00:09:51,240 Speaker 4: something solo. But yeah, he's very very supportive of my 203 00:09:51,360 --> 00:09:54,960 Speaker 4: saving journey. Like he doesn't make me pay rent or anything, 204 00:09:55,080 --> 00:09:56,760 Speaker 4: so it's quite helpful. 205 00:09:56,840 --> 00:10:00,679 Speaker 3: Money with Thank you, sir. Oh love to see it 206 00:10:00,720 --> 00:10:02,840 Speaker 3: all right, tell me a little bit more. You know, 207 00:10:02,920 --> 00:10:05,440 Speaker 3: you said you went from worrying about every single dollar, 208 00:10:06,280 --> 00:10:09,600 Speaker 3: and I find that when people say that, there seems 209 00:10:09,600 --> 00:10:12,280 Speaker 3: to be like a tipping point because like, given your 210 00:10:12,280 --> 00:10:13,720 Speaker 3: money story in the way you grew up, you're like, 211 00:10:13,760 --> 00:10:15,720 Speaker 3: I'm just spending week to week and like I'm just 212 00:10:15,720 --> 00:10:18,080 Speaker 3: spending what's there because it didn't feel like enough, like 213 00:10:18,200 --> 00:10:20,800 Speaker 3: or I might be incorrect, but that's the vibe was 214 00:10:20,800 --> 00:10:22,920 Speaker 3: picking up from. You know what you said. You kind 215 00:10:22,920 --> 00:10:26,480 Speaker 3: of said that you'd spent all of your money and 216 00:10:26,520 --> 00:10:28,200 Speaker 3: then there was like a little bit left. So you're like, 217 00:10:28,240 --> 00:10:30,679 Speaker 3: what's the point, Yes, at what point did you go, 218 00:10:31,040 --> 00:10:34,480 Speaker 3: actually that small amount of money has power. I should 219 00:10:34,480 --> 00:10:37,120 Speaker 3: be like saving, I should be you know, putting that 220 00:10:37,200 --> 00:10:40,800 Speaker 3: aside for later. And did it feel fruitless at the start, 221 00:10:40,920 --> 00:10:42,760 Speaker 3: or like where did this come from to have such 222 00:10:42,760 --> 00:10:43,800 Speaker 3: a big mindset shift. 223 00:10:43,880 --> 00:10:46,720 Speaker 4: Oh, I kind of hit rock bottom, well not rock bottom, 224 00:10:46,720 --> 00:10:51,120 Speaker 4: but like I just had loads of outgoings and I 225 00:10:51,200 --> 00:10:53,360 Speaker 4: wasn't managing my money well, Like I was still going 226 00:10:53,400 --> 00:10:55,960 Speaker 4: out a fair a few times a week for like 227 00:10:56,160 --> 00:10:59,199 Speaker 4: meals and things. And then like I remember like being 228 00:10:59,240 --> 00:11:02,400 Speaker 4: on the phone to like phone company and like asking 229 00:11:02,440 --> 00:11:05,120 Speaker 4: for them to defer it every couple of weeks, and 230 00:11:05,160 --> 00:11:07,280 Speaker 4: I was just like, oh, this is like I don't 231 00:11:07,280 --> 00:11:09,680 Speaker 4: want to be in this situation where I'm living week 232 00:11:09,720 --> 00:11:12,240 Speaker 4: to week and like I'm stressed about money. Like I 233 00:11:12,240 --> 00:11:15,400 Speaker 4: remember crying to one of my supervisors at the time, 234 00:11:15,679 --> 00:11:18,280 Speaker 4: like about money and like if I could get a 235 00:11:18,320 --> 00:11:19,920 Speaker 4: pay rise, and I was like, I don't want to 236 00:11:19,960 --> 00:11:23,520 Speaker 4: be asking that based off like yeah, I want to 237 00:11:23,559 --> 00:11:26,679 Speaker 4: be asking based off merit, not because I feel like 238 00:11:26,760 --> 00:11:32,080 Speaker 4: I'm in financial trouble and stressed out. And yeah, that's such. 239 00:11:31,840 --> 00:11:35,559 Speaker 3: A stressful position. And so what was the first thing 240 00:11:35,640 --> 00:11:37,959 Speaker 3: you did? You obviously consumed a whole heap of content, 241 00:11:38,040 --> 00:11:40,520 Speaker 3: but did you open a separate savings account or did 242 00:11:40,520 --> 00:11:43,120 Speaker 3: you just go, oh, I'm going to say no to 243 00:11:43,160 --> 00:11:45,880 Speaker 3: the next dinner or like what was like, I guess 244 00:11:45,960 --> 00:11:50,200 Speaker 3: the small steps that took you towards this. 245 00:11:50,480 --> 00:11:53,880 Speaker 4: I opened a completely different savings account, so I have 246 00:11:54,040 --> 00:11:57,120 Speaker 4: my main account with Commonwealth, and then I have you 247 00:11:57,280 --> 00:12:00,640 Speaker 4: Bank as my savings, and then within that, I have 248 00:12:01,000 --> 00:12:02,800 Speaker 4: eight separate accounts where. 249 00:12:02,600 --> 00:12:06,959 Speaker 3: I I, oh, my goodness, you've gone hair. I love it. 250 00:12:07,520 --> 00:12:10,120 Speaker 4: Yeah, I went a little bit crazy with separate accounts. 251 00:12:10,160 --> 00:12:14,360 Speaker 4: When I transfer on payday automatically into my savings, like 252 00:12:14,400 --> 00:12:18,480 Speaker 4: it's a rent situation, so that goes straight into my savings. 253 00:12:18,960 --> 00:12:22,200 Speaker 4: I'm saving one thousand, six hundred and fortnite into my savings. 254 00:12:22,880 --> 00:12:23,640 Speaker 3: How good's that? 255 00:12:24,960 --> 00:12:27,840 Speaker 4: And then I'll put in like, you know, fifty dollars 256 00:12:27,840 --> 00:12:32,360 Speaker 4: into like presents fifty dollars into whichever account, and then 257 00:12:32,600 --> 00:12:34,320 Speaker 4: like that would just build up, like I've got an 258 00:12:34,360 --> 00:12:37,360 Speaker 4: emergency fund as well, so stop it. 259 00:12:38,160 --> 00:12:40,840 Speaker 3: Past you would be like, who is this woman? What 260 00:12:40,960 --> 00:12:44,360 Speaker 3: has she done? And why is our money all so organized? 261 00:12:44,760 --> 00:12:47,400 Speaker 3: Like what do you mean it's not in our wardrobe? 262 00:12:47,760 --> 00:12:49,640 Speaker 4: Nah? It definitely feels good as well to have like 263 00:12:49,679 --> 00:12:51,080 Speaker 4: an emergency fund and stuff. 264 00:12:51,160 --> 00:12:54,520 Speaker 3: I'm obsessed. So tell me a little bit more about you. 265 00:12:54,520 --> 00:12:57,200 Speaker 3: You mentioned that you work in mining recruitment. So what 266 00:12:57,360 --> 00:12:59,040 Speaker 3: is that job and how much do you get paid 267 00:12:59,040 --> 00:12:59,360 Speaker 3: to do it? 268 00:12:59,480 --> 00:13:02,960 Speaker 4: Yeah, work as a recruiter for mining, So I essentially 269 00:13:03,480 --> 00:13:07,560 Speaker 4: employ all like mechanical trades in the mining industry and 270 00:13:08,240 --> 00:13:12,480 Speaker 4: I get paid as a commission based job. So this 271 00:13:12,600 --> 00:13:14,480 Speaker 4: financial year to be around one hundred and. 272 00:13:14,600 --> 00:13:17,240 Speaker 3: Thirty stop it? What's your base? 273 00:13:17,520 --> 00:13:18,640 Speaker 4: Ninety five? Oh? 274 00:13:18,720 --> 00:13:21,640 Speaker 3: How good's that? That's a nice amount of comms. So 275 00:13:21,760 --> 00:13:24,760 Speaker 3: tell me are the people that you're recruiting for? I 276 00:13:24,800 --> 00:13:27,200 Speaker 3: don't know what you meant. So you said, like for 277 00:13:27,320 --> 00:13:30,280 Speaker 3: mechanical trades. Obviously I understand that, but like, does that 278 00:13:30,320 --> 00:13:32,480 Speaker 3: mean that they have to be skilled or does that 279 00:13:32,600 --> 00:13:35,400 Speaker 3: mean that you know they're going in and being trained 280 00:13:35,520 --> 00:13:37,720 Speaker 3: or like what type of people are you looking for 281 00:13:37,760 --> 00:13:39,040 Speaker 3: and how hard are they defined? 282 00:13:39,360 --> 00:13:43,079 Speaker 4: Yeah, mostly have to be trained, so four year apprenticeship. 283 00:13:43,360 --> 00:13:46,840 Speaker 4: We do have a few people like service people which 284 00:13:46,840 --> 00:13:50,280 Speaker 4: are not trained, but we don't get too many on that. 285 00:13:50,280 --> 00:13:52,559 Speaker 4: It's more the actual apprenticeship. 286 00:13:52,640 --> 00:13:53,640 Speaker 3: Yeah, no, that makes sense. 287 00:13:53,720 --> 00:13:56,080 Speaker 4: They have to have completed a four year apprenticeship and 288 00:13:56,240 --> 00:13:59,520 Speaker 4: usually a couple of years experience behind them as well. 289 00:14:00,040 --> 00:14:00,640 Speaker 4: Get them on board. 290 00:14:00,720 --> 00:14:03,720 Speaker 3: I feel like that means you're as a recruiter probably 291 00:14:03,800 --> 00:14:07,440 Speaker 3: hustling pretty hard because like my best friend was a 292 00:14:07,440 --> 00:14:09,880 Speaker 3: recruiter for ten plus years and she worked more in 293 00:14:09,920 --> 00:14:12,840 Speaker 3: professional services and she got to lean on like LinkedIn 294 00:14:12,960 --> 00:14:15,800 Speaker 3: really heavily. But when you're working in like that more 295 00:14:15,840 --> 00:14:19,720 Speaker 3: mechanical field, they're not usually setting up a really shiny, 296 00:14:19,800 --> 00:14:23,200 Speaker 3: fancy LinkedIn for a recruiter to stumble across. So am 297 00:14:23,200 --> 00:14:25,440 Speaker 3: I right in assuming like the hustle is hard. 298 00:14:26,240 --> 00:14:30,400 Speaker 4: Yeah, not many mechanics have linkedins, So no, it's definitely 299 00:14:30,600 --> 00:14:33,000 Speaker 4: a lot of seek and gold calls and things. 300 00:14:33,080 --> 00:14:36,880 Speaker 3: Yeah yeah, wow, how cool. So now tell me what's 301 00:14:36,880 --> 00:14:39,120 Speaker 3: your big money goal. Like you said that you have 302 00:14:39,640 --> 00:14:42,520 Speaker 3: your U bank set up, it's got eight different accounts, 303 00:14:42,600 --> 00:14:45,640 Speaker 3: but like, what are you working towards a couple? 304 00:14:46,000 --> 00:14:48,520 Speaker 4: So by the end of this year, I want to 305 00:14:48,560 --> 00:14:52,360 Speaker 4: have ninety K in my savings stop my main savings account, 306 00:14:52,520 --> 00:14:56,600 Speaker 4: just because yeah, I'm looking obviously potentially property, so just 307 00:14:56,640 --> 00:14:59,400 Speaker 4: sort of want to have that set in there. And 308 00:14:59,440 --> 00:15:01,480 Speaker 4: then I'm going on a trip to Thailand with my 309 00:15:01,520 --> 00:15:03,600 Speaker 4: partner at the end of the year as well, So 310 00:15:04,440 --> 00:15:05,920 Speaker 4: three weeks away in Thailand. 311 00:15:06,040 --> 00:15:09,120 Speaker 3: Sorry, oh my good nurse, Thailand is stunning. Tell me 312 00:15:09,200 --> 00:15:11,720 Speaker 3: how did you plan that trip with your partner? Like, 313 00:15:11,800 --> 00:15:12,840 Speaker 3: how are we funding it? 314 00:15:13,080 --> 00:15:16,080 Speaker 4: Well, he's not really a saver who works in mining, 315 00:15:16,160 --> 00:15:19,480 Speaker 4: so he gets like a fair amount of money each 316 00:15:19,760 --> 00:15:22,400 Speaker 4: month when he gets paid, so he's really saved. He'll 317 00:15:22,440 --> 00:15:25,160 Speaker 4: just be like, oh, I've got the money. 318 00:15:25,560 --> 00:15:28,800 Speaker 3: It must be nice. Can you can you just introduce 319 00:15:28,880 --> 00:15:30,840 Speaker 3: him to me? Oh that sounds bad, but can you 320 00:15:30,840 --> 00:15:32,600 Speaker 3: introduce him to me? Because I want to set up 321 00:15:32,600 --> 00:15:35,680 Speaker 3: he is like money in cash flow system, because my goodness, 322 00:15:35,720 --> 00:15:38,080 Speaker 3: the amount of people that I see in like these 323 00:15:38,160 --> 00:15:41,480 Speaker 3: mining jobs, which you can probably agree with me, they 324 00:15:41,520 --> 00:15:44,360 Speaker 3: could last forever, but often people want to tap out 325 00:15:44,400 --> 00:15:47,080 Speaker 3: but they haven't set themselves up financially well enough to 326 00:15:47,160 --> 00:15:49,680 Speaker 3: exit the industry, so that they're like stuck on the 327 00:15:49,760 --> 00:15:52,680 Speaker 3: rat race of mining. Can you tell him to get 328 00:15:52,680 --> 00:15:54,200 Speaker 3: his budget life together? Please? 329 00:15:55,000 --> 00:15:59,000 Speaker 4: Yeah, he definitely overdoes it on the over eats, but no, 330 00:15:59,240 --> 00:16:01,560 Speaker 4: he puts most of his money onto the mortgage, so 331 00:16:01,600 --> 00:16:03,880 Speaker 4: he's nearly paid it off, so that is not too 332 00:16:03,920 --> 00:16:04,760 Speaker 4: bad with money. 333 00:16:05,160 --> 00:16:07,760 Speaker 3: But he's also got high cash flow, so tell me. 334 00:16:07,960 --> 00:16:10,200 Speaker 3: Obviously he's going to fund it as he is, and 335 00:16:10,240 --> 00:16:14,120 Speaker 3: you've been saving for it. How bougie is this holiday, Like, 336 00:16:14,400 --> 00:16:17,200 Speaker 3: how did you make decisions around, Oh, what's a reasonable 337 00:16:17,240 --> 00:16:20,280 Speaker 3: price to pay for a hotel? Because they've really been 338 00:16:20,320 --> 00:16:22,920 Speaker 3: adding up or I'm finding that when I'm googling holidays 339 00:16:22,960 --> 00:16:25,320 Speaker 3: to go on, they're just adding up and hotels are 340 00:16:25,320 --> 00:16:27,080 Speaker 3: so much more expensive than I like have in my 341 00:16:27,160 --> 00:16:29,280 Speaker 3: head what they should be. Is that the same for 342 00:16:29,320 --> 00:16:30,560 Speaker 3: you while planning. 343 00:16:30,360 --> 00:16:32,720 Speaker 4: Yeah, it's definitely on the price er side, just because 344 00:16:32,720 --> 00:16:34,440 Speaker 4: we are going over Christmas in years. 345 00:16:34,880 --> 00:16:38,160 Speaker 3: Oh yeah, you've really decided to ramp it up there. 346 00:16:38,800 --> 00:16:41,240 Speaker 4: But I already have like booked to them, just not 347 00:16:41,320 --> 00:16:43,440 Speaker 4: paid for them all yet, but I did go sort 348 00:16:43,480 --> 00:16:46,160 Speaker 4: of mid range. It is going to be a little 349 00:16:46,200 --> 00:16:49,280 Speaker 4: bit expensive. But I think we're probably in the next 350 00:16:49,280 --> 00:16:52,080 Speaker 4: few years looking at having kids, so I'm like, oh, well, 351 00:16:52,720 --> 00:16:55,640 Speaker 4: you know, it's a big go hard before Yeah. 352 00:16:55,200 --> 00:16:57,760 Speaker 3: Yeah, go hard, because like I'm telling you right now, 353 00:16:58,360 --> 00:17:01,080 Speaker 3: I had a baby. Obviously I have two of them. 354 00:17:01,280 --> 00:17:03,560 Speaker 3: We traveled to Europe with my son when he was 355 00:17:03,560 --> 00:17:06,240 Speaker 3: four months old, and that was incredible, But right now 356 00:17:06,280 --> 00:17:09,120 Speaker 3: here's two and there is absolutely no chance I'm getting 357 00:17:09,160 --> 00:17:11,439 Speaker 3: on an international flight with a two year old and 358 00:17:11,480 --> 00:17:13,480 Speaker 3: I don't know how long that's gonna last. And like 359 00:17:13,560 --> 00:17:16,200 Speaker 3: it's a season. I'm not mad about it, but like, yes, 360 00:17:16,600 --> 00:17:19,679 Speaker 3: live it up right now because when they're teeny tiny, 361 00:17:19,720 --> 00:17:23,320 Speaker 3: little sweet potatoes who can't move, holidaying with them is easy. 362 00:17:23,680 --> 00:17:26,840 Speaker 3: But once they have little opinions, absolutely not, once they 363 00:17:26,880 --> 00:17:29,720 Speaker 3: can run, absolutely not. I'm telling you right now, I 364 00:17:29,760 --> 00:17:32,800 Speaker 3: do not. Yeah, I do not want to just parent 365 00:17:32,960 --> 00:17:35,560 Speaker 3: overseas like that would not be a holiday for me. 366 00:17:35,680 --> 00:17:36,560 Speaker 3: It would be wasted. 367 00:17:37,480 --> 00:17:39,280 Speaker 4: Yeah, exactly. It's been a hard work. 368 00:17:39,600 --> 00:17:41,640 Speaker 3: Yeah exactly. So I feel like you've got your head 369 00:17:41,640 --> 00:17:43,920 Speaker 3: screwed on their money. Dos. Let's go to a really 370 00:17:43,960 --> 00:17:46,560 Speaker 3: quick break because on the flip side, I want to 371 00:17:46,600 --> 00:17:48,680 Speaker 3: ask you a little bit more about this ninety thousand 372 00:17:48,720 --> 00:17:52,160 Speaker 3: dollars in savings, because that's incredibly impressive your investments, your debts, 373 00:17:52,160 --> 00:17:58,879 Speaker 3: and your personal insurance. So don't go anywhere, all right, 374 00:17:58,920 --> 00:18:03,639 Speaker 3: money dives. Do we back ninety grand in saving? God, 375 00:18:03,680 --> 00:18:08,240 Speaker 3: that's hectic. How did you get that much money in savings? 376 00:18:08,600 --> 00:18:11,480 Speaker 3: After saying I just I wasn't very good at money 377 00:18:11,520 --> 00:18:14,720 Speaker 3: and now I'm thirty one, queen, what. 378 00:18:15,119 --> 00:18:16,720 Speaker 4: Well, I'm not quite there yet. I want to be 379 00:18:16,800 --> 00:18:19,600 Speaker 4: at ninety by the end of the year. So it's 380 00:18:19,600 --> 00:18:21,120 Speaker 4: currently at sixty. 381 00:18:20,920 --> 00:18:24,280 Speaker 3: Okay, but okay, like reframe, it's at sixty so you've 382 00:18:24,280 --> 00:18:26,719 Speaker 3: got more than ten grand in savings. Like when you said, oh, 383 00:18:26,760 --> 00:18:30,119 Speaker 3: I just I've started saving, I just fully expected you 384 00:18:30,200 --> 00:18:32,680 Speaker 3: to be like, look, bebe you know, I've just really 385 00:18:32,720 --> 00:18:35,280 Speaker 3: started and I've got my first five grand in savings, 386 00:18:35,280 --> 00:18:38,440 Speaker 3: which would also be impressive, But you blew that out 387 00:18:38,480 --> 00:18:41,560 Speaker 3: of the water. How did you change your mindset so 388 00:18:41,680 --> 00:18:43,879 Speaker 3: dramatically to have such a large sum. 389 00:18:44,040 --> 00:18:47,000 Speaker 4: I've been trying to get behind like the under consumption 390 00:18:47,880 --> 00:18:51,040 Speaker 4: videos and things on TikTok because I definitely had a 391 00:18:51,040 --> 00:18:54,800 Speaker 4: spending problem, so very fair. Yeah, that's definitely helped a lot, 392 00:18:54,920 --> 00:18:58,200 Speaker 4: trying to shift my mind from like spending all my money, 393 00:18:58,280 --> 00:19:00,879 Speaker 4: so I think that makes me thing for me is 394 00:19:00,960 --> 00:19:04,160 Speaker 4: just like not spending so much money on clothes and things. 395 00:19:04,280 --> 00:19:06,879 Speaker 3: It's kind of humbling, isn't it When you fall onto 396 00:19:06,960 --> 00:19:09,119 Speaker 3: like that side of content and you're like, hey, like 397 00:19:09,359 --> 00:19:11,640 Speaker 3: these girls might be onto something. One of my team 398 00:19:11,680 --> 00:19:14,360 Speaker 3: members Brook you might have seen her on socials. She 399 00:19:14,400 --> 00:19:17,639 Speaker 3: does a lot of content like that and I'm just obsessed. 400 00:19:17,840 --> 00:19:19,840 Speaker 3: But even in our team group chat, she'll be like 401 00:19:20,440 --> 00:19:22,960 Speaker 3: literally who she is online is who she is in 402 00:19:23,000 --> 00:19:26,040 Speaker 3: person and she'll be like, guys, this is on sale 403 00:19:26,160 --> 00:19:28,280 Speaker 3: or hey, guys, I've been thinking about this top for 404 00:19:28,320 --> 00:19:30,600 Speaker 3: a month. Should it be my like one purchase of 405 00:19:30,640 --> 00:19:33,200 Speaker 3: the month, And we're all just like so behind her. 406 00:19:33,480 --> 00:19:35,480 Speaker 3: So when you fall into that, do you find that 407 00:19:35,560 --> 00:19:38,400 Speaker 3: your friends have started embracing that type of lifestyle as 408 00:19:38,400 --> 00:19:40,360 Speaker 3: well and being like oh yeah, queen get it? 409 00:19:40,760 --> 00:19:41,040 Speaker 4: Yeah? 410 00:19:41,080 --> 00:19:42,720 Speaker 3: Definitely obsessed? 411 00:19:42,760 --> 00:19:43,120 Speaker 4: All right? 412 00:19:43,480 --> 00:19:47,040 Speaker 3: Tell me about investing. Is that something that you've dabbled in? 413 00:19:47,160 --> 00:19:49,679 Speaker 3: Is that something that you do? If not, why not? 414 00:19:50,040 --> 00:19:52,960 Speaker 4: Yeah, And I've started investing. I started with the five 415 00:19:53,000 --> 00:19:55,320 Speaker 4: dollars from you with the chacas app. 416 00:19:55,560 --> 00:19:57,840 Speaker 3: You started with the five dollars from the chasas app, 417 00:19:57,840 --> 00:19:59,040 Speaker 3: which I think some money win. 418 00:19:59,560 --> 00:20:02,520 Speaker 4: Yeah, I was good and yeah, just started on there. 419 00:20:03,080 --> 00:20:05,919 Speaker 4: I think I have two and a half thousand dollars 420 00:20:05,920 --> 00:20:07,880 Speaker 4: in there now. I think I'm going to go more 421 00:20:07,880 --> 00:20:12,120 Speaker 4: aggressive on that once I get to my savings goal. 422 00:20:12,320 --> 00:20:13,000 Speaker 3: Yeah that's fair. 423 00:20:13,080 --> 00:20:15,800 Speaker 4: I can tell you what it's invested in as well. 424 00:20:16,080 --> 00:20:18,280 Speaker 3: I would love the nitty gritty. I feel like some 425 00:20:18,280 --> 00:20:19,720 Speaker 3: people are like, oh, I just have two and a 426 00:20:19,720 --> 00:20:22,600 Speaker 3: half grand invested, and I'm like, Cuen, we want to 427 00:20:22,640 --> 00:20:25,000 Speaker 3: know the nitty gritty this is anonymous. What if you. 428 00:20:24,960 --> 00:20:28,960 Speaker 4: Picked Vanguard is one of them, the Australian Vanguard, I've 429 00:20:28,960 --> 00:20:34,360 Speaker 4: got Commonwealth NDQ, and then just a random rogue one 430 00:20:34,560 --> 00:20:39,080 Speaker 4: which is h l I Insurance Company or something. 431 00:20:39,119 --> 00:20:39,960 Speaker 3: What made you pick that? 432 00:20:41,080 --> 00:20:41,600 Speaker 4: I don't know. 433 00:20:42,760 --> 00:20:44,399 Speaker 3: You were just like, this is a good idea. I 434 00:20:44,400 --> 00:20:44,679 Speaker 3: love it. 435 00:20:44,760 --> 00:20:46,639 Speaker 4: Yeah, well it was one of the first ones. And 436 00:20:46,680 --> 00:20:48,800 Speaker 4: then I just was like, I don't know why I picked. 437 00:20:48,520 --> 00:20:51,800 Speaker 3: That, but that's okay. It's just part of the journey 438 00:20:52,040 --> 00:20:55,600 Speaker 3: when it came to picking. I guess NDP and Commonwealth 439 00:20:55,880 --> 00:20:58,400 Speaker 3: with they more strategic decisions or were they also think 440 00:20:58,440 --> 00:21:00,399 Speaker 3: that you were like, oh, they feel right, I'm just 441 00:21:00,440 --> 00:21:01,879 Speaker 3: going to pop them in and see how I go. 442 00:21:02,040 --> 00:21:04,959 Speaker 4: Commonwealth, I can't really remember the thought process behind that, 443 00:21:05,119 --> 00:21:07,119 Speaker 4: but with the NDQ, whe I listened to like a 444 00:21:07,160 --> 00:21:10,080 Speaker 4: lot of information about that and stuff first and did 445 00:21:10,080 --> 00:21:12,840 Speaker 4: a bit of research on it. So same with the Vanguard. 446 00:21:13,160 --> 00:21:16,440 Speaker 3: Very cool. And once you hit your ninety grand in savings, 447 00:21:17,320 --> 00:21:19,480 Speaker 3: what do you think you'll invest more in? Are you 448 00:21:19,520 --> 00:21:21,840 Speaker 3: going to go more down like the Vanguard to ETF 449 00:21:21,880 --> 00:21:23,760 Speaker 3: route and holding that or are there going to be 450 00:21:23,760 --> 00:21:26,280 Speaker 3: more individual shares like have you thought about the strategy 451 00:21:26,320 --> 00:21:27,160 Speaker 3: behind it, not. 452 00:21:27,160 --> 00:21:28,680 Speaker 4: Too much of this stage, but I think it would 453 00:21:28,680 --> 00:21:32,480 Speaker 4: probably be a more etf focus than individual shares. Love. 454 00:21:32,960 --> 00:21:35,640 Speaker 3: Now, tell me about debt. Do you have any debt? 455 00:21:35,720 --> 00:21:37,760 Speaker 3: Have you had any debt? What is that part of 456 00:21:37,800 --> 00:21:38,200 Speaker 3: your life? 457 00:21:38,280 --> 00:21:41,000 Speaker 4: Like? Yeah, so I had a car loan, but before 458 00:21:41,000 --> 00:21:44,480 Speaker 4: my money mind shift like changed, I wasn't even like 459 00:21:44,920 --> 00:21:47,199 Speaker 4: I was paying off the bare minimum of that. And 460 00:21:47,240 --> 00:21:49,159 Speaker 4: because when I started with a car loan, I was 461 00:21:49,160 --> 00:21:52,639 Speaker 4: working in hospitality, so I think my payments were like 462 00:21:52,720 --> 00:21:56,800 Speaker 4: eighty dollars a fortnight, which wasn't great looking back at 463 00:21:56,800 --> 00:21:58,760 Speaker 4: it now, I would have paid a lot of interest 464 00:21:58,840 --> 00:22:01,520 Speaker 4: on that. I think it was at like seven percent 465 00:22:01,680 --> 00:22:05,119 Speaker 4: or something the interest, and it took me like I 466 00:22:05,119 --> 00:22:08,120 Speaker 4: think it was like six seven years to pay off. 467 00:22:08,440 --> 00:22:11,080 Speaker 4: And then obviously as soon as my mindset changed and 468 00:22:11,200 --> 00:22:13,160 Speaker 4: just went and wiped that off. 469 00:22:13,600 --> 00:22:16,159 Speaker 3: Good girl. But at the same time, like when you 470 00:22:16,160 --> 00:22:18,199 Speaker 3: went and got a personal loan or you got a 471 00:22:18,200 --> 00:22:21,760 Speaker 3: car loan, I just feel like the marketing, the way 472 00:22:21,800 --> 00:22:25,280 Speaker 3: it's positioned to you, it's not hey, money diarist, like 473 00:22:25,359 --> 00:22:27,679 Speaker 3: eighty dollars is the bare minimum. You're meant to be 474 00:22:27,720 --> 00:22:30,600 Speaker 3: paying more to get ahead. They don't say that. They say, 475 00:22:30,640 --> 00:22:33,520 Speaker 3: oh girl, it's only going to cost you eighty dollars 476 00:22:33,560 --> 00:22:35,320 Speaker 3: a fortnight, and you go, oh, I've spent more or 477 00:22:35,400 --> 00:22:38,320 Speaker 3: less that It was fine, No worries. Like, they don't 478 00:22:38,440 --> 00:22:40,480 Speaker 3: tell you what you should be doing to put yourself 479 00:22:40,480 --> 00:22:42,919 Speaker 3: in the best possible position. They tell you what you 480 00:22:42,960 --> 00:22:46,880 Speaker 3: should be doing to maximize their profit, and that once 481 00:22:46,920 --> 00:22:49,159 Speaker 3: you learn that really annoys me. 482 00:22:49,920 --> 00:22:52,040 Speaker 4: I actually wanted to do more, but they told me 483 00:22:52,119 --> 00:22:55,720 Speaker 4: because I was in a casual hospol job, they wouldn't recommend. Oh. 484 00:22:56,240 --> 00:22:58,800 Speaker 3: I was just like, okay, oh, no worries, you must 485 00:22:58,800 --> 00:23:01,680 Speaker 3: be the experts here. Don't do that. We wouldn't want 486 00:23:01,680 --> 00:23:05,120 Speaker 3: to put you out. They made you spend more because 487 00:23:05,160 --> 00:23:08,520 Speaker 3: you were in a casual hospo job. It's even arguably 488 00:23:08,560 --> 00:23:10,320 Speaker 3: more important to get rid of it sooner because you 489 00:23:10,320 --> 00:23:11,400 Speaker 3: were paying more interests. 490 00:23:11,600 --> 00:23:12,080 Speaker 4: Exactly. 491 00:23:12,400 --> 00:23:15,280 Speaker 3: I am salty at them, all right, So that's gone. 492 00:23:15,320 --> 00:23:17,000 Speaker 3: Have you got any other types of debt? 493 00:23:17,080 --> 00:23:20,000 Speaker 4: I did a UNY degree, so I've got hex. I 494 00:23:20,040 --> 00:23:22,360 Speaker 4: think that's sitting around thirty now. 495 00:23:23,400 --> 00:23:26,320 Speaker 3: And is your unique degree something that you use now 496 00:23:26,400 --> 00:23:27,119 Speaker 3: for recruitment? 497 00:23:27,560 --> 00:23:31,080 Speaker 4: No, it's not necessary to have a degree for recruitment, 498 00:23:31,119 --> 00:23:33,760 Speaker 4: but I'm sure it helped me like get positions. 499 00:23:33,840 --> 00:23:37,720 Speaker 3: But yes, one hundred what did you do at UNI Major? Yeah, 500 00:23:38,080 --> 00:23:40,840 Speaker 3: that definitely would help you in the recruitment space, like 501 00:23:40,920 --> 00:23:43,199 Speaker 3: one thousand percent. I know they looked at your resume 502 00:23:43,240 --> 00:23:44,920 Speaker 3: and they're like, oh, she's going to know what's up 503 00:23:44,920 --> 00:23:47,120 Speaker 3: and how to ask the good questions and see what's 504 00:23:47,160 --> 00:23:50,399 Speaker 3: going on. Money darist, you are thirty one and you 505 00:23:50,480 --> 00:23:52,480 Speaker 3: own a one hundred and thirty grand ish a year. 506 00:23:53,040 --> 00:23:55,760 Speaker 3: Tell me what personal insurances have you set up? 507 00:23:56,160 --> 00:23:58,320 Speaker 4: Haven't done the personal insurances yet? 508 00:23:59,000 --> 00:24:01,720 Speaker 3: Cheeky of you've listened to a lot of podcast Is 509 00:24:01,760 --> 00:24:04,320 Speaker 3: it something that is on your radar? Not on your radar? Like, 510 00:24:04,520 --> 00:24:06,119 Speaker 3: tell me a bit more about that side. 511 00:24:06,480 --> 00:24:09,880 Speaker 4: Yeah, it's definitely on the agenda. I'll probably look at 512 00:24:09,920 --> 00:24:12,720 Speaker 4: doing it with my partner, so we're both I'm not 513 00:24:12,720 --> 00:24:14,960 Speaker 4: sure if he has it, but just like go through 514 00:24:15,000 --> 00:24:18,879 Speaker 4: it and have that chat. We just currently have a housemate, 515 00:24:19,359 --> 00:24:21,320 Speaker 4: so I'm kind of waiting for him to move out 516 00:24:21,359 --> 00:24:25,280 Speaker 4: before we sort of like go through like everything in 517 00:24:25,320 --> 00:24:27,280 Speaker 4: our lives because we want to buy a whole bunch. 518 00:24:28,280 --> 00:24:30,800 Speaker 4: He kind of has like a you know, bachelor's pad, 519 00:24:30,920 --> 00:24:33,000 Speaker 4: vibe in terms of like the furniture and stuff. So 520 00:24:33,720 --> 00:24:36,280 Speaker 4: I want to like work out a plan of like 521 00:24:36,400 --> 00:24:38,199 Speaker 4: what we're going to do with everything like that, and 522 00:24:38,240 --> 00:24:39,639 Speaker 4: then I'll sit down. 523 00:24:39,560 --> 00:24:43,639 Speaker 3: And just do a whole financial life cleanse, reset, and 524 00:24:43,680 --> 00:24:45,920 Speaker 3: be like, Okay, what are we as a couple doing 525 00:24:46,000 --> 00:24:46,720 Speaker 3: moving forward? 526 00:24:47,000 --> 00:24:50,120 Speaker 4: Yeah, exactly like our plan is a couple. So it's 527 00:24:50,160 --> 00:24:52,560 Speaker 4: definitely going to include the personal insurances for sure. 528 00:24:52,840 --> 00:24:55,520 Speaker 3: Yeah, for sure. All right, tell me, I feel like 529 00:24:56,240 --> 00:24:59,240 Speaker 3: you've been gas lighting yourself, like low key, You're like 530 00:24:59,280 --> 00:25:01,480 Speaker 3: a weapon. You're like, I'm just to bee. But tell 531 00:25:01,480 --> 00:25:04,160 Speaker 3: me what do you think your best money habit is, 532 00:25:04,400 --> 00:25:05,840 Speaker 3: because I feel like there's going to be a good 533 00:25:05,840 --> 00:25:06,200 Speaker 3: one here. 534 00:25:06,480 --> 00:25:09,400 Speaker 4: Yeah. It would probably be a being able to actually 535 00:25:09,680 --> 00:25:13,240 Speaker 4: be set and treat my savings like a rent type 536 00:25:13,240 --> 00:25:16,679 Speaker 4: of payment and just automative payment into my savings. So 537 00:25:17,160 --> 00:25:19,480 Speaker 4: it kind of means that I'm just left with what 538 00:25:19,560 --> 00:25:22,640 Speaker 4: I have to spend and so of not going over that, 539 00:25:22,760 --> 00:25:23,440 Speaker 4: which is good. 540 00:25:23,600 --> 00:25:25,600 Speaker 3: If we went back and we talked to pass you 541 00:25:26,240 --> 00:25:29,200 Speaker 3: and said you automate your cash, now, do you think 542 00:25:29,240 --> 00:25:32,159 Speaker 3: that she would think that was restrictive or do you 543 00:25:32,160 --> 00:25:34,280 Speaker 3: think that she would think that was crazy or like 544 00:25:34,320 --> 00:25:35,960 Speaker 3: would she say, yeah, we needed that. 545 00:25:36,640 --> 00:25:38,560 Speaker 4: Yeah, I don't know. I probably would be like, I'm 546 00:25:38,560 --> 00:25:40,000 Speaker 4: not going to be able to like be able to 547 00:25:40,080 --> 00:25:42,200 Speaker 4: live if I did that back then, So I'd probably 548 00:25:42,240 --> 00:25:43,960 Speaker 4: would have been like it would have stressed me out, 549 00:25:44,119 --> 00:25:47,000 Speaker 4: like not feeling like I have money to fall back on. 550 00:25:47,080 --> 00:25:49,720 Speaker 4: But obviously now because I do have that emergency fund, 551 00:25:49,720 --> 00:25:52,760 Speaker 4: if something does come along, then I can go into that, 552 00:25:52,920 --> 00:25:53,840 Speaker 4: not my savings. 553 00:25:53,920 --> 00:25:57,600 Speaker 3: So yes, so fair, tell me, did you prioritize your 554 00:25:57,640 --> 00:26:00,359 Speaker 3: emergency fund or your savings first, like you can all 555 00:26:00,400 --> 00:26:00,720 Speaker 3: the egg. 556 00:26:00,880 --> 00:26:04,320 Speaker 4: I started the emergency fund first, but it wasn't much 557 00:26:04,359 --> 00:26:07,240 Speaker 4: at the beginning, like it was just fifty dollars a week, 558 00:26:07,280 --> 00:26:09,320 Speaker 4: and then I was like, oh, I could probably start 559 00:26:09,359 --> 00:26:12,320 Speaker 4: a savings account as well. I just thought that emergency 560 00:26:12,359 --> 00:26:14,919 Speaker 4: fund was like it was more important to have that 561 00:26:14,960 --> 00:26:17,840 Speaker 4: to fall back on if anything happened. And then obviously 562 00:26:17,880 --> 00:26:21,080 Speaker 4: savings was the property was in the in my mind 563 00:26:21,080 --> 00:26:23,439 Speaker 4: at that point, so I was like, okay, well we 564 00:26:23,480 --> 00:26:24,399 Speaker 4: need to do that too. 565 00:26:24,960 --> 00:26:27,639 Speaker 3: Yeah, one hundred percent. And I feel like that sets 566 00:26:27,720 --> 00:26:31,919 Speaker 3: up really good money habits because if you are somebody 567 00:26:31,960 --> 00:26:33,800 Speaker 3: who's been I guess, living week to week and that 568 00:26:33,840 --> 00:26:36,159 Speaker 3: doesn't necessarily mean that you don't have enough money. It 569 00:26:36,200 --> 00:26:38,720 Speaker 3: just means that you've been spending it all. But if 570 00:26:38,760 --> 00:26:41,800 Speaker 3: you are in that situation, it feels restrictive to start saving. 571 00:26:42,160 --> 00:26:44,399 Speaker 3: But then it also feels good once you have an 572 00:26:44,400 --> 00:26:47,679 Speaker 3: emergency fund that you can fall back on things and 573 00:26:47,720 --> 00:26:50,480 Speaker 3: be like, oh, I actually did save for that, and 574 00:26:50,680 --> 00:26:54,000 Speaker 3: I can, you know, not go into financial distress over this. 575 00:26:54,400 --> 00:26:56,440 Speaker 3: But then it also sets up this really great money 576 00:26:56,440 --> 00:26:59,400 Speaker 3: habit that you don't dip into your savings to pay 577 00:26:59,440 --> 00:27:01,919 Speaker 3: for things. And like, now do you feel like that 578 00:27:02,040 --> 00:27:04,159 Speaker 3: money you said there was about sixty grand sitting in 579 00:27:04,200 --> 00:27:06,920 Speaker 3: your savings, do you feel like I cannot touch that, 580 00:27:07,000 --> 00:27:09,200 Speaker 3: like that is not mine to touch unless we're doing 581 00:27:09,240 --> 00:27:12,640 Speaker 3: property stuff, or do you maybe dabble a little bit? 582 00:27:13,040 --> 00:27:15,160 Speaker 4: Yeah? No, I don't actually tend to take much out 583 00:27:15,160 --> 00:27:18,880 Speaker 4: of my savings. I have done in the past if 584 00:27:18,960 --> 00:27:21,959 Speaker 4: like maybe sometimes I forget about a payment or something, 585 00:27:22,080 --> 00:27:25,080 Speaker 4: so occasionally I've taken something out of there, but it's 586 00:27:25,200 --> 00:27:28,320 Speaker 4: I'm pretty consistent with keeping it in there. 587 00:27:28,440 --> 00:27:31,480 Speaker 3: I love it. Tell me what is your worst money habit? 588 00:27:31,720 --> 00:27:37,560 Speaker 4: Definitely convincing myself that experiences don't count spending, Like I've 589 00:27:37,600 --> 00:27:40,760 Speaker 4: been pretty bad lately. There's been a couple of concerts 590 00:27:40,800 --> 00:27:44,080 Speaker 4: and festivals and things that I've sent money on, and 591 00:27:44,240 --> 00:27:47,800 Speaker 4: we're going down south to like Wineries region for my birthday, 592 00:27:48,040 --> 00:27:50,920 Speaker 4: so pay for that recently as well. 593 00:27:51,000 --> 00:27:52,760 Speaker 3: Do you know what, it sounds like you're doing pretty 594 00:27:52,840 --> 00:27:56,119 Speaker 3: well regardless. So if that's your worst money habit, like Queen, 595 00:27:56,200 --> 00:27:58,520 Speaker 3: live it up, I think that that's working quite well 596 00:27:58,560 --> 00:28:01,000 Speaker 3: for you. At the start of this episode, you said, 597 00:28:01,080 --> 00:28:03,240 Speaker 3: b I think I'm a B. I didn't used to 598 00:28:03,280 --> 00:28:05,119 Speaker 3: be a bee, you know, I've come so far, but 599 00:28:05,200 --> 00:28:09,440 Speaker 3: now I'm a bee. Queen, What does an A look 600 00:28:09,560 --> 00:28:12,479 Speaker 3: like then, because I feel like you're in such a 601 00:28:12,520 --> 00:28:15,639 Speaker 3: good position for someone who's only thirty one. 602 00:28:15,920 --> 00:28:18,679 Speaker 4: Yeah, I think maybe like to get myself up to 603 00:28:18,720 --> 00:28:23,159 Speaker 4: an A. Obviously, look at the personal insurances. And also 604 00:28:23,560 --> 00:28:26,960 Speaker 4: I'm currently putting fifty dollars of my Page Fortnite into 605 00:28:26,960 --> 00:28:27,479 Speaker 4: my Super. 606 00:28:27,800 --> 00:28:29,040 Speaker 3: Oh see, that's good. 607 00:28:29,720 --> 00:28:31,359 Speaker 4: I'd like to do a little bit more than that, 608 00:28:31,800 --> 00:28:34,040 Speaker 4: So just trying to build up that super a little 609 00:28:34,080 --> 00:28:35,000 Speaker 4: bit more as well. 610 00:28:35,040 --> 00:28:38,040 Speaker 3: We didn't touch on your super before. When we look 611 00:28:38,080 --> 00:28:41,880 Speaker 3: at your super account, what's sitting in there about seventy Okay, 612 00:28:41,880 --> 00:28:43,760 Speaker 3: so you're doing quite well for your age as well, 613 00:28:43,760 --> 00:28:45,760 Speaker 3: but you really want to kind of turbocharge that and 614 00:28:45,800 --> 00:28:48,720 Speaker 3: see it grow or are you feeling behind? Like why 615 00:28:49,320 --> 00:28:51,720 Speaker 3: is contributing to SUPER important at this point? 616 00:28:51,920 --> 00:28:54,200 Speaker 4: Yeah, I just want to obviously make sure that I 617 00:28:54,240 --> 00:28:57,560 Speaker 4: am set up for retirement. I think people don't really 618 00:28:58,640 --> 00:29:02,320 Speaker 4: like realize the value that. And also this next year 619 00:29:02,760 --> 00:29:05,719 Speaker 4: I've taken on like additional work and stuff, so I 620 00:29:05,760 --> 00:29:09,040 Speaker 4: think it will be above the next tax bracket and everything. 621 00:29:09,120 --> 00:29:12,480 Speaker 4: So just want to probably when I get bonuses, put 622 00:29:12,800 --> 00:29:15,760 Speaker 4: that into my SUPER so I don't get taxed as much. 623 00:29:16,040 --> 00:29:18,280 Speaker 3: Yeah, it makes me. I mean, just to give a 624 00:29:18,320 --> 00:29:20,400 Speaker 3: little bit of context because when we talk about SUPER, 625 00:29:20,440 --> 00:29:22,840 Speaker 3: I love to give contexts because so many of us go, oh, 626 00:29:22,920 --> 00:29:25,440 Speaker 3: I've only got seventy grand girl, You've got so much, 627 00:29:25,520 --> 00:29:28,240 Speaker 3: But the average balance of a thirty year old woman 628 00:29:28,280 --> 00:29:32,160 Speaker 3: in Australia is between forty four and fifty eight thousand dollars. 629 00:29:32,160 --> 00:29:35,720 Speaker 3: Has you taking some time out of the workforce, because 630 00:29:35,800 --> 00:29:37,760 Speaker 3: you know, you said before at some point my partner 631 00:29:37,760 --> 00:29:39,120 Speaker 3: and I want to have kids, and you know we're 632 00:29:39,160 --> 00:29:41,600 Speaker 3: obviously going to go on this beautiful holiday before then, 633 00:29:42,080 --> 00:29:45,360 Speaker 3: have you thought about your superannuation plan during that period 634 00:29:45,440 --> 00:29:45,920 Speaker 3: of time. 635 00:29:46,240 --> 00:29:49,080 Speaker 4: Yeah, so obviously that's the thing that concerns me coming 636 00:29:49,160 --> 00:29:52,600 Speaker 4: from like the mindset that I have, Like I'm very 637 00:29:52,720 --> 00:29:55,600 Speaker 4: much like it sounds bad, not against men or something, 638 00:29:55,600 --> 00:29:58,680 Speaker 4: but like a bit distrusting, like of like, yeah, you 639 00:29:58,720 --> 00:30:01,080 Speaker 4: know someone turning around, like if you go on maternity 640 00:30:01,160 --> 00:30:04,240 Speaker 4: leave and like, oh, one, I'm making money and you're 641 00:30:04,280 --> 00:30:08,200 Speaker 4: not really making much money type of situation. So I 642 00:30:08,240 --> 00:30:10,239 Speaker 4: think it's been really important for me to kind of 643 00:30:10,280 --> 00:30:13,120 Speaker 4: like make sure that I will be contributing to that still. 644 00:30:13,280 --> 00:30:16,640 Speaker 4: So yeah, ideally be in a position where I get 645 00:30:16,880 --> 00:30:20,520 Speaker 4: super from like my employer. But I think they're changing 646 00:30:20,560 --> 00:30:22,400 Speaker 4: that super thing at the moment, aren't they. 647 00:30:23,120 --> 00:30:25,320 Speaker 3: Yeah, there are heaps of changes coming in and that 648 00:30:25,480 --> 00:30:29,720 Speaker 3: your parental leave will have like minimum subranuation payments on it. 649 00:30:29,840 --> 00:30:32,760 Speaker 3: But it's always a really good conversation to have now, 650 00:30:32,840 --> 00:30:35,280 Speaker 3: because I don't think you and your partner are ready 651 00:30:35,280 --> 00:30:37,280 Speaker 3: for that conversation, not in a bad way, just in 652 00:30:37,400 --> 00:30:39,880 Speaker 3: a you said, look, we're going on a holiday. My 653 00:30:39,880 --> 00:30:41,880 Speaker 3: partner actually lives in a bit of a like a 654 00:30:41,920 --> 00:30:44,960 Speaker 3: man cave vibe house, Like I just don't think talking 655 00:30:44,960 --> 00:30:47,720 Speaker 3: about hey, when we have babies. Are we going to 656 00:30:47,720 --> 00:30:51,280 Speaker 3: be contributing like together to my super? That can come later, 657 00:30:51,320 --> 00:30:53,640 Speaker 3: but it's nice to have those thoughts in your head 658 00:30:53,680 --> 00:30:56,040 Speaker 3: about what that looks like, because I actually. 659 00:30:56,000 --> 00:30:59,200 Speaker 4: Talked about oh you have Yeah, yeah, I'm very like, 660 00:30:59,400 --> 00:31:02,520 Speaker 4: I'm like, oh, what's my super going to look like? 661 00:31:02,560 --> 00:31:04,440 Speaker 4: And all that sort of stuff, So we definitely have 662 00:31:04,560 --> 00:31:06,560 Speaker 4: had conversations around it. Yeah. Yeah. 663 00:31:06,600 --> 00:31:09,440 Speaker 3: And is he open to the idea that contributing to 664 00:31:09,480 --> 00:31:12,440 Speaker 3: your super well you're on leave would be a constructive 665 00:31:12,480 --> 00:31:13,040 Speaker 3: thing to do. 666 00:31:13,520 --> 00:31:14,200 Speaker 4: Yeah, definitely. 667 00:31:14,680 --> 00:31:17,600 Speaker 3: I'm obsessed. And also I'm gonna like make a grand 668 00:31:17,600 --> 00:31:20,040 Speaker 3: assumption that because he's in mining, he probably has a 669 00:31:20,040 --> 00:31:22,360 Speaker 3: really nice super account himself, so it kind of makes 670 00:31:22,360 --> 00:31:25,800 Speaker 3: sense to make that more equitable money. Diarist like, I 671 00:31:25,800 --> 00:31:27,520 Speaker 3: don't want to argue with you, but I do think 672 00:31:27,560 --> 00:31:30,360 Speaker 3: that you're higher than a b I feel like you're 673 00:31:30,400 --> 00:31:32,160 Speaker 3: just looking at things and going, oh, but there's so 674 00:31:32,280 --> 00:31:34,320 Speaker 3: much to do in the future, but like, right now, 675 00:31:34,360 --> 00:31:36,000 Speaker 3: you've got all your ducks in a row. So I 676 00:31:36,040 --> 00:31:38,800 Speaker 3: would say that is a type behavior. But I also 677 00:31:38,840 --> 00:31:40,800 Speaker 3: don't want to make you go, oh, I'm an a 678 00:31:41,040 --> 00:31:44,800 Speaker 3: if that's not aligning to your values. But my Queen, 679 00:31:45,040 --> 00:31:47,800 Speaker 3: this has been so good. Like, what do you mean 680 00:31:47,840 --> 00:31:50,200 Speaker 3: You've gone from being somebody who said, you know, I 681 00:31:50,240 --> 00:31:52,280 Speaker 3: didn't really have a lot of confidence with money. I 682 00:31:52,400 --> 00:31:54,680 Speaker 3: used to worry about every single dollar and now I'm 683 00:31:54,720 --> 00:31:57,160 Speaker 3: like aggressively saving and investing and I'm going to go 684 00:31:57,200 --> 00:32:00,000 Speaker 3: on a dream holiday. And you know, my money story 685 00:32:00,120 --> 00:32:02,520 Speaker 3: isn't perfect, but you know what it is. It's constructive 686 00:32:02,520 --> 00:32:05,680 Speaker 3: and I'm learning to build wealth. Like, girl, I could 687 00:32:05,680 --> 00:32:09,640 Speaker 3: not ask for more from somebody in your position, And like, 688 00:32:10,000 --> 00:32:12,800 Speaker 3: you've got sixty grand in your savings and you're projecting 689 00:32:12,840 --> 00:32:16,000 Speaker 3: that in the next what less than six months, you're 690 00:32:16,040 --> 00:32:19,440 Speaker 3: going to add another thirty grand to that. That is 691 00:32:19,720 --> 00:32:23,120 Speaker 3: elite behavior. Like I am just so excited for you 692 00:32:23,200 --> 00:32:26,600 Speaker 3: to achieve that. Can you please message me when that happens, Like, 693 00:32:27,280 --> 00:32:29,640 Speaker 3: I'm just I'm so excited for you, and I'm just 694 00:32:29,680 --> 00:32:32,120 Speaker 3: so excited that we've got to share this story on 695 00:32:32,160 --> 00:32:34,200 Speaker 3: the podcast and that my community get to hear it 696 00:32:34,320 --> 00:32:36,920 Speaker 3: or our community get to hear it. So it's been 697 00:32:36,960 --> 00:32:39,480 Speaker 3: a pleasure. Thank you so much, thanks for having me 698 00:32:39,560 --> 00:32:40,200 Speaker 3: appreciate it. 699 00:32:45,360 --> 00:32:47,520 Speaker 2: The ad buy shared on She's on the Money is 700 00:32:47,560 --> 00:32:51,160 Speaker 2: general in nature and does not consider your individual circumstances. 701 00:32:51,520 --> 00:32:54,959 Speaker 2: She's on the Money exists purely for educational purposes and 702 00:32:54,960 --> 00:32:57,440 Speaker 2: should not be relied upon to make an investment or 703 00:32:57,480 --> 00:33:01,040 Speaker 2: financial decision. If you do choose to buy financial product, 704 00:33:01,160 --> 00:33:04,680 Speaker 2: read the PDS TMD and obtain appropriate financial. 705 00:33:04,280 --> 00:33:06,080 Speaker 3: Advice tailored towards your needs. 706 00:33:06,440 --> 00:33:10,400 Speaker 2: Victoria Divine and She's on the Money are authorized representatives 707 00:33:10,440 --> 00:33:12,800 Speaker 2: of money sherper P T y L t D A 708 00:33:12,920 --> 00:33:15,840 Speaker 2: b N three two one six four nine two seven 709 00:33:15,920 --> 00:33:19,440 Speaker 2: seven zero eight AFS L four five one two eight 710 00:33:19,560 --> 00:33:19,800 Speaker 2: nine