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Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations

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Speaker 1: woman and I'm here to acknowledge country t glennyan Ganya, Niana,

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Speaker 1: Kaka yah Ya bin Ahaka Nian our gay in Mbina,

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Speaker 1: yakarum jar Dominyama, domag Ithawakawaman, damon Imlan Bumba ban Gadabomba

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Speaker 1: in and now in wakah Ghana on yak rum jar Watnadaa. Hello,

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Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.

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Speaker 1: We thank acknowledge and respect the Abiginal people's land that

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Speaker 1: we're gathering on today. Take pleasure in all the land

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Speaker 1: and respect all that you see. She's on the Money

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Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,

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Speaker 1: knowledge and resources for you to thrive.

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Speaker 2: She's on the Money. She's on the Money.

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

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Speaker 3: that is here to answer all of your burning money

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Speaker 3: questions and probably overshare while we're at it. I'm Victoria

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Speaker 3: Devine and today well Beck is off elsewhere being absolutely fabulous.

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Speaker 2: I've got the one and only Miss Jess Garried. She

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Speaker 2: joining me. Just welcome.

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Speaker 4: That was like a real like woo, I fin they

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Speaker 4: should be theen music playing in the background.

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Speaker 3: It should be I'm just greed she People get so

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Speaker 3: annoyed when I say that, They're like, why do you

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Speaker 3: always say her name like that?

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Speaker 2: I get so many messages like, not so many.

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Speaker 3: Actually, that's probably me over over estimating that, but at

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Speaker 3: least one a month of people being like, why do

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Speaker 3: you do that to Jessica, isn't it because that's the

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Speaker 3: way you're technically meant to say it?

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Speaker 2: Justly in a way. Yeah, I really just ostralized.

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Speaker 3: So jess and I we thought today, while we've got you,

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Speaker 3: we thought it would be really fun to a community

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Speaker 3: Q and A. So you might have seen on our

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Speaker 3: stories us asking for some questions because if there's one

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Speaker 3: thing we love more than a money chat, it's answering

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Speaker 3: your questions. And honestly, our community they always bring the goods.

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Speaker 2: Oh I love I feel like it's fun to do

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Speaker 2: a little bit.

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Speaker 4: It feels personal, right, Like it feels like we're chatting

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Speaker 4: with you guys exactly.

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Speaker 3: Someone was like the other day They're like, oh, I

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Speaker 3: saw you in person and I wanted to say hi,

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Speaker 3: but I felt like that was really rude, and I

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Speaker 3: was like, you know, what's really rude when you see

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Speaker 3: a friend in public and you didn't say hi.

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Speaker 2: Totally.

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Speaker 3: I love chatting to you guys, but you have a

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Speaker 3: lot of questions. So should we get into it, Miss

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Speaker 3: jeff Breach, Absolutely, okay. So our first question comes from

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Speaker 3: our friend Kathy, and this is word for word. Kathy says,

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Speaker 3: I want to hear more about Queen Jessica Ried she's

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Speaker 3: Kobrea Path. She has so much vision and such good

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Speaker 3: work ethic.

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Speaker 2: Ah, that's a thinky Kathy's. She does have really good work.

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Speaker 2: I think if you learn anything from Jessica is that

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Speaker 2: that's so sweet.

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Speaker 4: I have had a very non conventional career, which I

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Speaker 4: feel like we've touched on here and there. I did

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Speaker 4: not go to university, which not to say that that's

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Speaker 4: right or wrong, but glad that I didn't because I

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Speaker 4: don't like I didn't need it for my career and

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Speaker 4: I don't have hext it as a result. But at

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Speaker 4: the time, it wasn't an easy choice. I went to

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Speaker 4: school through an advanced placement program and there was a

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Speaker 4: lot of academic pressure and I wasn't sure that that

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Speaker 4: was the right choice. But I just went straight into working.

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Speaker 4: I worked full time in a retail job for a

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Speaker 4: number of years, and then I took my first, I guess,

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Speaker 4: corporate style job. It wasn't full corporate, but it was

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Speaker 4: at a real estate agency.

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Speaker 2: I was an EA. I reckon, that's corporate. Yeah, it's giving,

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Speaker 2: like soft corporate, I would say.

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Speaker 4: And you know what the really interesting thing is is,

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Speaker 4: even though I didn't love that job and there was

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Speaker 4: a I learned a lot about the behind the scenes

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Speaker 4: of real estate, and there's so much transferable knowledge and

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Speaker 4: transferable skills, and I think when I look at really

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Speaker 4: every job that I've done, there's things that I've taken

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Speaker 4: that like, to this day, I still use really regularly.

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Speaker 4: So from real estate, I went into an actual proper

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Speaker 4: corporate EA role, and I did a couple of different

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Speaker 4: ones at different companies before ending up in an OPS

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Speaker 4: job at the most corporate place I'd ever been. And

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Speaker 4: that was where I really realized corporate wasn't for me.

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Speaker 4: Sure this particular company was not for me. The misogyny,

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Speaker 4: the like just the I don't I don't want to

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Speaker 4: trash it too publicly, but it just was a different time.

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Speaker 3: I've heard all of their gossip and I would happily

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Speaker 3: trash them.

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Speaker 2: Yeah. It was just very much not a good time.

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Speaker 4: And it made me really realize how important values are

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Speaker 4: to me in a workplace, and working somewhere that's misaligned

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Speaker 4: to my values was something that I found really deeply challenging.

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Speaker 4: And so I finished up there. I had lined up

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Speaker 4: a job. This is I finished up there. End of

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Speaker 4: twenty nineteen. I'd had reached out to somebody at a

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Speaker 4: marketing agency that i'd applied for a job for previously,

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Speaker 4: and I'd been top two, and I'd kind of kept

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Speaker 4: in touch with women, and I said, hey, like, I'm

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Speaker 4: actually looking for work. If you see anything going, would

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Speaker 4: you mind letting me know? And she said, oh my god,

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Speaker 4: what crazy timing. I'm about to hire an EA roll.

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Speaker 4: Come in and chat like this seems like it's meant

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Speaker 4: to be, And so we'd arrange for me to come in.

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Speaker 4: She said, you know, everything's shut down in January in

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Speaker 4: marketing land, Like, come in start a feb maybe mid Feb. Actually,

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Speaker 4: you know, to give me a bit of time to

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Speaker 4: get things sorted and we will basically get you on

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Speaker 4: the books. I was like great, and then mid feb

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Speaker 4: twenty twenty, she goes, Oh, I'm so sorry. I've caught

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Speaker 4: the bug that's going around. I'm so little covid bug.

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Speaker 2: I'm so sick. Can we push this out like a week?

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Speaker 4: And I was like, of course, like what's a week?

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Speaker 4: It's here or there. Oh I got important context that

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Speaker 4: I completely skipped over. So when I stopped working retail

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Speaker 4: full time and I went to corporate, I kept my

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Speaker 4: retail job on the side. I would work the late

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Speaker 4: night shifts, the weekend shifts. I was doubling up, so

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Speaker 4: I was working maybe like forty five fifty hours a week,

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Speaker 4: which was great for saving money, and so I kept

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Speaker 4: that on the side.

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Speaker 2: The whole time.

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Speaker 4: It was lovely because you have forced shutdowns over Christmases

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Speaker 4: normally when you work in a corporate environment. So I

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Speaker 4: would work through like my normal year, pick up full

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Speaker 4: time work basically through the Christmas sales period, and then

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Speaker 4: in retail that normally tapers off mid jam, which would

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Speaker 4: be when I would go back to my normal job.

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Speaker 4: So when I left that job, I was like, Okay, well,

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Speaker 4: I can at least work full time through Christmas like

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Speaker 4: I normally do in retail. Shout out classes, and then

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Speaker 4: I needed something to pick up and I had a

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Speaker 4: lot of friends at the time who worked in logistics,

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Speaker 4: and they said, oh, just pick up like a casual

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Speaker 4: pickpack a role. You can do it through a labor

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Speaker 4: higher agency, so you're not tied down to any kind

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Speaker 4: of contract. The pay is really good, it's really it's

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Speaker 4: relatively flexible. And I was like, oh, great, Like I

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Speaker 4: can work there maybe four to six weeks till I

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Speaker 4: get this new job at this agency in the door.

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Speaker 4: Don't have to spend my savings. That's exactly what I want.

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Speaker 4: Fast forward, she gets sick. She asks to push the

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Speaker 4: meeting out, and I was like, oh, well, I've got

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Speaker 4: a job, like, no stress on me.

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Speaker 2: Of course, take your time. I'm not I've got nowhere

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Speaker 2: to be. And she did take her time.

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Speaker 4: Well, now we're at the end of February twenty twenty

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Speaker 4: and I think, cancel all remember exactly what happened, and

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Speaker 4: so can we push the meeting out? A week became Oh,

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Speaker 4: I'm so sorry, there's this sickness going around. We're going

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Speaker 4: to move to remote work because we can wear a

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Speaker 4: digital agency. I feel like it'll only be a couple

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Speaker 4: of weeks. Can we just push our meeting back a

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Speaker 4: couple more weeks? And I was like, well, sure, what's

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Speaker 4: a couple more weeks? And then that became a couple

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Speaker 4: of months, and then it kind of became I'm so sorry.

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Speaker 4: We're just trying to keep our head above water. We

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Speaker 4: are there's a hiring freeze. The job doesn't exist anymore,

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Speaker 4: which I totally understood, but it was really hard because

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Speaker 4: now we're maybe like four months into twenty twenty. I'm

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Speaker 4: working in this pitpacking job, which, like I was grateful

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Speaker 4: to have because so many people were losing their jobs

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Speaker 4: at your time, absolutely, and I was really lucky that

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Speaker 4: being in logistics, it was the one industry that was booming.

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Speaker 2: But it was tough work.

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Speaker 4: Like I was getting up at four am to be

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Speaker 4: at work at five am, working a ten hour day.

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Speaker 2: And if you guys know this, oh I'm not a mooring.

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Speaker 3: Sorry. If I said, oh, I go up at four

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Speaker 3: to do something at five, I think the rest of

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Speaker 3: the team to be like, yeah, okav yeah, we don't care.

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Speaker 2: The second Jes says, I was.

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Speaker 3: Like, at four, I go watch out, watch out, watch out,

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Speaker 3: give her a wide clearance slide.

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Speaker 2: I was she's probably going to cut.

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Speaker 4: You on struggle straight, and honestly, my mental health really

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Speaker 4: took a hit, and that you know, I was telling

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Speaker 4: the line of like being grateful to have a job

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Speaker 4: when I knew so many people didn't, but also feeling

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Speaker 4: like my career was really not moving forward. I was

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Speaker 4: feeling super stuck. I ended up moving warehouses mid twenty

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Speaker 4: twenty because I was like, Okay, well if I can't

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Speaker 4: get a job in my industry, because nowhere was hiring

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Speaker 4: for eas everyone had a hiring freeze, I was like, well,

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Speaker 4: maybe I can just move to a warehouse with better

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Speaker 4: conditions because they weren't really great entire ideal, they weren't great,

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Speaker 4: and so I ended up at the Mecca Warehouse, which

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Speaker 4: they were wonderful to work for. It was still obviously

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Speaker 4: tough work in logistics, but they were really fantastic as

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Speaker 4: a community.

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Speaker 3: I would have preferred fac makeup too, absolutely when I

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Speaker 3: hired you, which is what I'm sure we're going to

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Speaker 3: get to.

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Speaker 2: So yeah, she still worked at Mecca with that Mecca

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Speaker 2: discount guy.

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Speaker 4: It was very It was lovely that forty percent discount.

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Speaker 2: Oh god, oh, it was the best part about hiring

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Speaker 2: you no, and then yeah.

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Speaker 4: End of twenty twenty, I had been following Shees on

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Speaker 4: the money. I've been paying down my debt. I'd listened

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Speaker 4: to season one and you guys put a post up

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Speaker 4: on Instagram saying you are hiring for two different roles.

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Speaker 4: You are hiring for someone to do content, you're hiring

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Speaker 4: for an EA, and I applied and I said, oh,

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Speaker 4: I actually kind of a qualified to do both of

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Speaker 4: these things, and so you can a lost dog. Yeah,

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Speaker 4: you kind of rolled them together to give me my

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Speaker 4: own little custom job, and.

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Speaker 2: I've been here ever since. It has been the best.

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Speaker 2: I'm sorry, that really was a journey.

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Speaker 3: I'm such a bad storytelling, you know what, No, because

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Speaker 3: I think people would have really enjoyed listening to that,

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Speaker 3: because I enjoyed listening to that, and I think it's

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Speaker 3: so much nice that I just hear it in Jess's

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Speaker 3: tone of voice and the way you would have be

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Speaker 3: explained it at breakfast as opposed to it.

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Speaker 2: Okay, cool. So if I just read through my LinkedIn.

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Speaker 4: Like Marl is fun, maral of the story is you

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Speaker 4: you don't have to follow the linear path, like things

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Speaker 4: can go up and you can go backwards.

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Speaker 3: And sideways and diving in. So you started as my

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Speaker 3: EA and did some content stuff on the side. What

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Speaker 3: have you done since joining? Because I think a lot

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Speaker 3: of people are like, well, what does Jess do? Like

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Speaker 3: she was more on the pod Now she's not as

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Speaker 3: much on the pod, and like we see her floating around,

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Speaker 3: but she's not VIA's assistant, Like what do you do?

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Speaker 1: Well?

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Speaker 4: I look after all of our partnerships, and I guess

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Speaker 4: after I joined, the show really exploded, and you know,

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Speaker 4: all of a sudden, we had all of these amazing

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Speaker 4: partners that wanted to work with us.

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Speaker 2: The team grew.

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Speaker 4: When I started, I was the first and only employee,

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Speaker 4: and so from there we've gone to a team of

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Speaker 4: what like eight now or something like that, and so

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Speaker 4: the business has expanded. We've been able to do so

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Speaker 4: much more, and with that has come the opportunity to

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Speaker 4: do so many different commercial partnerships. We've had the books,

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Speaker 4: and we've had all of the incredible projects we have,

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Speaker 4: you know, our sponsors for the show, and so I

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Speaker 4: look after all of that, which is really fun because

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Speaker 4: we you know, we get to talk to so many incredible,

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Speaker 4: really well aligned companies. I'm just kind of kicking around

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Speaker 4: on the pod when I need it like that was

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Speaker 4: never intended to be part of my job. I wouldn't

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Speaker 4: say when I was hired, but it's so.

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Speaker 2: Much fake sense. Yes, and we have fun doing it.

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Speaker 4: I love it. There's nothing more fun than sitting down

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Speaker 4: and getting to have a chit chat with you.

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Speaker 2: It's the best.

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Speaker 4: Anyway, Enough about me, I think I just talked for

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Speaker 4: about ten thousand years. We've had so many people in

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Speaker 4: the community asking when we popped this question box up.

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Speaker 4: They want to know vd from you. What are your

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Speaker 4: tips for financially preparing for a baby, preparing for maternity leave,

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Speaker 4: parenting in general, and are there any tips you specifically

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Speaker 4: have for a first time mum because you're a first

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Speaker 4: time mum.

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Speaker 3: I am a first time mom, and you know what,

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Speaker 3: if you're going into this as like a first time

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Speaker 3: single mum, that's really hard. I think you need to

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Speaker 3: just take the pressure off yourself. I think social media

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Speaker 3: doesn't do a lot of good things for parenting. It's

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Speaker 3: a topic that I have been sort of touching on

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Speaker 3: on social media recently and the amount of backlash I

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Speaker 3: get for just having an opinion whether it is right,

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Speaker 3: whether it is like it's just wild how much that

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Speaker 3: topic triggers people. And I think that when I was pregnant,

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Speaker 3: I was trying to learn, I was trying to absorb,

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Speaker 3: Like my entire TikTok feed became about pregnancy, in birth

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Speaker 3: and babies, and like I loved it, but at the

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Speaker 3: same time, I found it all consuming. So I think

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Speaker 3: taking a step back would be some of the best

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Speaker 3: advice I have. I just think that people are going

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Speaker 3: to tell you that you need all this stuff as well,

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Speaker 3: you don't need the stuff, Like I was very grateful

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Speaker 3: and very lucky during my pregnancy to be sent so

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Speaker 3: much stuff.

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Speaker 2: You just don't need it.

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Speaker 3: Like you need a nice dry place for your baby

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Speaker 3: to sleep, you need something to keep them really warm,

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Speaker 3: a few onesies and way to feed them, Like honestly,

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Speaker 3: they are going to be fine at the start. And

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Speaker 3: I would really prioritize your mental health so like we

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Speaker 3: could do and I've done episodes on like financially preparing

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Speaker 3: for a baby. Go listen to those will link them

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Speaker 3: in the show notes. But I don't think it changes

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Speaker 3: what you're taking into consideration, whether you're in a couple

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Speaker 3: of whether you're single. Just because you're going to have

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Speaker 3: to think about childcare costs. You're going to have to

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Speaker 3: think about, well, how do I feed this child? How

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Speaker 3: do I clothe them? Yes, you don't have a duel income,

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Speaker 3: but all of the parameters are kind of still the same.

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Speaker 3: So to me, it's genuinely about taking the pressure off

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Speaker 3: yourself and then realizing that, do you know what, your

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Speaker 3: parenting journey is not going to look like everybody else's.

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Speaker 3: It's going to look like yours. And for so long

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Speaker 3: I was like, oh my god, like looking at milestones,

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Speaker 3: completely up to you. But I deleted all the apps

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Speaker 3: like tracking milestones. It becomes really overwhelming. Like I was told, Oh,

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Speaker 3: your baby all start getting teeth at like six months,

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Speaker 3: that's fantastic.

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Speaker 2: Mine actually had teeth at three months and I took

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Speaker 2: him to the.

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Speaker 3: Doctor because I was so worried about it, and the

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Speaker 3: doctor kind of looked at me and was like, yeah,

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Speaker 3: like he's just got a tooth.

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Speaker 2: Like that, that's a thing.

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Speaker 3: Yeah, And I was like, sorry, what I think all

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Speaker 3: of this external pressure did me no good And now

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Speaker 3: I just do whatever I want as a parent, like

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Speaker 3: in the nicest possible way. I think a happy baby

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Speaker 3: and a healthy baby is all I care.

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Speaker 2: About, definitely.

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Speaker 4: And when it comes to prepping for maternity leave, is

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Speaker 4: there anything you think people should be kind of considering

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Speaker 4: having conversations with their partner.

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Speaker 3: Yeah. So I think that when we're talking about prepping

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Speaker 3: for matt leave, what you want to really do is

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Speaker 3: think about what you're doing on mat leave. I think

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Speaker 3: so often you go, it'll be really easy to live

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Speaker 3: off one income, but you're probably going to have a

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Speaker 3: whole heap of like incidental costs, additional coffees because you're

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Speaker 3: going on walks, and you should be prioritizing getting out

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Speaker 3: of the house for your mental health. I think so

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Speaker 3: many times when you're on matt leeve, you're like, no, no, no,

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Speaker 3: we need to be really strict and really safe. But

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Speaker 3: during a period of turmoil, during a period where your

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Speaker 3: hormones are absolutely erratic, like, let's just maybe spend a

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Speaker 3: little bit more on our mental health, on you know,

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Speaker 3: that extra coffee. I know that that sounds a little

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Speaker 3: bit flippant, but like I promise there are mums listening

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Speaker 3: to this that are already mums that are like, oh

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Speaker 3: my god.

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Speaker 2: I know the amount of times I was like, no,

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Speaker 2: I really shouldn't go the cafe.

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Speaker 3: I went yesterday, but like that would have changed the

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Speaker 3: trajectory of their mental health for the day.

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Speaker 2: I'm sorry.

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Speaker 3: Go spend the five dollars, do you know what I mean? Like, here,

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Speaker 3: go for the walk, get out of the house, spend

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Speaker 3: the five dollars. Put that into your budget. And I

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Speaker 3: think that matt leave can be really really challenging because,

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Speaker 3: especially if you're a single mum, you are trying to

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Speaker 3: work out, well, when can I go back to work?

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Speaker 3: And it might be earlier than your peers, that might

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Speaker 3: be earlier than your friends. You might, in a perfect

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Speaker 3: world love twelve months off, but you can't afford that

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Speaker 3: you're doing the best thing you can for your family. Yeah,

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Speaker 3: And I think we just want to take the pressure off, Like,

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Speaker 3: let's not look at what you can't do, let's look

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Speaker 3: at what you can do. And how do we kind

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Speaker 3: of embrace that without judgment? Yeah?

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Speaker 2: I love that? Should we?

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Speaker 4: Is that also a good time to be talking to

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Speaker 4: your partner about potentially they're making contributions to your superannuation?

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Speaker 3: Absolutely, we're asking about superannuation. I'm not taking time out

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Speaker 3: of the workforce to be behind I would say I'm

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Speaker 3: not going to say it's less important, but it is

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Speaker 3: less important because as the first of July this year, yes,

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Speaker 3: supernuation is now payable by the government on maternity leave.

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Speaker 2: Amazing.

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Speaker 3: We now get twenty four weeks of paid maternity leave.

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Speaker 3: Incredible as opposed to what we had before. And that's

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Speaker 3: really sexy. But that's also minimum wage, so it might

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Speaker 3: not be what you were previously contributing, and I.

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Speaker 2: Might be asking my partner for the top up.

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Speaker 3: Yeah, like sorry, I'm not here sacrificing my financial future

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Speaker 3: so that you can go back to work and have

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Speaker 3: a really secure financial future.

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Speaker 2: I'm sorry.

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Speaker 3: Fifty percent of marriages and di divorce, Like, and that's

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Speaker 3: just marriages. So many people I know nowadays are having

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Speaker 3: kids and they're not married and that doesn't matter at all,

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Speaker 3: But like, what about those relationships?

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Speaker 2: So I just get your bank sis, Yeah, be prepared

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Speaker 2: for the worst.

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Speaker 3: Another big theme JESS that we saw coming up was goals,

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Speaker 3: and we love talking about goals, how to choose them,

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Speaker 3: how to stick to them, and how to balance those

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Speaker 3: really big financial dreams with life goals that also come

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Speaker 3: with a really big breast tag. We also had someone

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Speaker 3: wanting to know if travel was a bad money goal.

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Speaker 2: I don't think any money goal is inherently bad. Like

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Speaker 2: all your goal, you got a goal. Yeah, your goals

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Speaker 2: are so personal to you.

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Speaker 4: As someone who traveled a lot when they were younger,

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Speaker 4: and I spent like all of my money traveling, I

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Speaker 4: don't regret spending the money. I regret the way in

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Speaker 4: which I did it, just because, like spending every dollar

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Speaker 4: meant I wasn't the most financially stable.

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Speaker 3: I really don't regret things that we did in our

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Speaker 3: youth because we didn't have the education correct, Like I.

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Speaker 4: Wish that I had had the knowledge that I have

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Speaker 4: now and had been investing for long.

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Speaker 2: Been better. But yeah, whatever. I think travel is an

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Speaker 2: amazing goal.

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Speaker 4: I think there is so much that you can learn

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Speaker 4: from being outside of your comfort zone. I've done a

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Speaker 4: lot of travel to third world countries, and I think

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Speaker 4: that particularly has been really beneficial to me in terms

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Speaker 4: of gratitude and you know, having I guess more of

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Speaker 4: a consciousness of the impacts of what I do on

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Speaker 4: a global scale, and you know what I mean, the

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Speaker 4: world is so much bigger than us. I think that

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Speaker 4: traveling is a really good way to do that, to

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Speaker 4: connect with other cultures, to meet new people, to see.

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Speaker 4: There's just so much in the world to appreciate and

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Speaker 4: enjoy and explore. And I think that that is so valuable.

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Speaker 4: And so I think that if that is something you

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Speaker 4: want to do, just prioritize that save do it responsibly.

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Speaker 4: I don't think that you should feel bad about that

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Speaker 4: at all. And in terms of having, you know, balancing

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Speaker 4: those big goals with your life goals, you love to

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Speaker 4: say you can do it all, but not all at once,

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Speaker 4: and I do love it.

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Speaker 2: I think that's so true.

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Speaker 3: I am a broken record who you probably you need

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Speaker 3: to move on from. She's on the money you need

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Speaker 3: too long. You could just paraphrase me consent.

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Speaker 2: Adopted all of your idioms. I mean, I'm not mad,

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Speaker 2: I'm just concerned.

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Speaker 4: I have a good question actually to follow on from that.

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Speaker 4: Our next community member wants advice on how to stop

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Speaker 4: sabotaging herself with irresponsible spending and not sticking to her goals.

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Speaker 2: Do you know what I think it's about? And get

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Speaker 2: this zooming out?

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Speaker 3: Oh, Because I find that from a psychology persons, self

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Speaker 3: sabotage often happens when we're scared of change. It often

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Speaker 3: happens when we're worried about, well, what happens when I

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Speaker 3: achieve that goal? Am I going to feel the way

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Speaker 3: I thought I was going to feel? And you might

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Speaker 3: not be thinking this, but self sabotage is often about

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Speaker 3: not lacking change.

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Speaker 2: It's not because you don't want to succeed.

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Speaker 3: Because if I said, you know, Jess, you really want

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Speaker 3: to save for a house, and I'm going to use

438
00:19:21,240 --> 00:19:23,560
Speaker 3: this as an example, but then you keep dipping into

439
00:19:23,600 --> 00:19:25,399
Speaker 3: your savings account, you're like, well, it doesn't matter, it

440
00:19:25,440 --> 00:19:27,359
Speaker 3: doesn't matter. And then but what's your biggest goal in

441
00:19:27,440 --> 00:19:30,520
Speaker 3: the world? You say, well, saving for a house. More

442
00:19:30,600 --> 00:19:34,040
Speaker 3: often than not, the self sabotage is coming from being like, oh, yeah,

443
00:19:34,080 --> 00:19:35,840
Speaker 3: but I'm happy where I am. I don't really care

444
00:19:35,920 --> 00:19:37,400
Speaker 3: about the che do you know what I mean? It's

445
00:19:37,400 --> 00:19:40,840
Speaker 3: about change. So I think we really need to get

446
00:19:40,920 --> 00:19:44,680
Speaker 3: serious with ourselves. If you are going in and being

447
00:19:44,720 --> 00:19:46,960
Speaker 3: a bit irresponsible with your spending when that's not what

448
00:19:47,160 --> 00:19:51,040
Speaker 3: you want, fine, but why tell me what are you

449
00:19:51,119 --> 00:19:53,680
Speaker 3: getting out of that? Tell me do you actually that

450
00:19:53,760 --> 00:19:56,240
Speaker 3: big money goal that you were working towards. Is it

451
00:19:56,359 --> 00:19:57,160
Speaker 3: actually your goal?

452
00:19:57,320 --> 00:20:00,359
Speaker 2: Because right now you're telling me it's not to get

453
00:20:00,600 --> 00:20:02,000
Speaker 2: some hard truths out there.

454
00:20:01,920 --> 00:20:04,639
Speaker 3: And be like, maybe this isn't my money goal, and

455
00:20:04,720 --> 00:20:07,640
Speaker 3: maybe I'm saying that I'm saving for a house because

456
00:20:07,680 --> 00:20:10,080
Speaker 3: society has been telling me I'm saving for a house

457
00:20:10,160 --> 00:20:10,920
Speaker 3: and should.

458
00:20:10,880 --> 00:20:12,800
Speaker 2: When I actually don't give two shits about it.

459
00:20:13,080 --> 00:20:15,560
Speaker 3: Yeah, And then we need to flip it over and go, okay, well,

460
00:20:15,640 --> 00:20:19,000
Speaker 3: if it is your goal, why are we self sabotage?

461
00:20:19,080 --> 00:20:22,119
Speaker 2: What happens when you buy the house? Is it the change?

462
00:20:22,240 --> 00:20:25,240
Speaker 2: What happens when you are realistic about this?

463
00:20:25,560 --> 00:20:28,399
Speaker 3: And I think it's just about creating a plan because

464
00:20:28,440 --> 00:20:30,280
Speaker 3: we're all good at self sabotage. I'm the best at

465
00:20:30,280 --> 00:20:32,320
Speaker 3: self sabotage, And like Jess, you would have seen this

466
00:20:32,400 --> 00:20:35,040
Speaker 3: a million times. It doesn't matter what it is, whether

467
00:20:35,119 --> 00:20:37,240
Speaker 3: it is for me a savings goal or I'm really

468
00:20:37,320 --> 00:20:40,160
Speaker 3: close to finishing something. You know what happens when I'm

469
00:20:40,160 --> 00:20:43,520
Speaker 3: close to finishing a book, I shut down the last chapter.

470
00:20:44,040 --> 00:20:46,720
Speaker 3: Good luck getting that out of me. I don't want

471
00:20:46,760 --> 00:20:49,000
Speaker 3: to do it, and I don't know why I don't

472
00:20:49,040 --> 00:20:50,800
Speaker 3: want to do it. I don't like the idea of

473
00:20:50,920 --> 00:20:52,680
Speaker 3: that process and I don't.

474
00:20:52,520 --> 00:20:53,080
Speaker 4: Know what it is.

475
00:20:53,600 --> 00:20:56,920
Speaker 3: But like getting me to finish something can be quite

476
00:20:57,000 --> 00:21:02,240
Speaker 3: challenging cat talk about. But I think it's so important

477
00:21:02,280 --> 00:21:04,560
Speaker 3: to understand why that's happening. And that's when I have

478
00:21:04,680 --> 00:21:06,640
Speaker 3: to go, you are self sabotaging again.

479
00:21:06,720 --> 00:21:07,560
Speaker 2: Why are you doing this?

480
00:21:07,800 --> 00:21:09,840
Speaker 3: Because if you don't pull your finger out, you're not

481
00:21:09,920 --> 00:21:12,560
Speaker 3: going to achieve this thing, And like, that's actually what

482
00:21:12,640 --> 00:21:13,399
Speaker 3: you said you wanted.

483
00:21:14,040 --> 00:21:16,240
Speaker 2: And sometimes it's just scary, and.

484
00:21:16,400 --> 00:21:18,960
Speaker 4: It about identifying the trigger a little bit too going

485
00:21:19,560 --> 00:21:21,520
Speaker 4: more often than not, I think it's probably a pattern, right,

486
00:21:21,720 --> 00:21:23,800
Speaker 4: And so you might see, like with the book, for example,

487
00:21:23,880 --> 00:21:25,680
Speaker 4: you get to the end and you go, oh, well,

488
00:21:25,800 --> 00:21:27,600
Speaker 4: I don't want to finish reading the book. I'm too

489
00:21:27,640 --> 00:21:29,520
Speaker 4: overwhelmed with the thought of starting a new one or

490
00:21:29,560 --> 00:21:32,280
Speaker 4: finding a new one, whatever that looks like for you

491
00:21:32,359 --> 00:21:34,280
Speaker 4: know whoever, whatever goal you're dealing with.

492
00:21:34,720 --> 00:21:36,440
Speaker 2: So I feel like if you can identify.

493
00:21:36,119 --> 00:21:39,919
Speaker 4: Like what causes you to self sabotage, you might actually

494
00:21:40,280 --> 00:21:42,040
Speaker 4: be able to get to the root of the problem

495
00:21:42,240 --> 00:21:45,240
Speaker 4: and then identify what solution you can put in place.

496
00:21:45,520 --> 00:21:49,639
Speaker 3: One all right, Katie has asked us if we can

497
00:21:49,720 --> 00:21:52,680
Speaker 3: explain how platforms like shop back actually work.

498
00:21:53,080 --> 00:21:54,080
Speaker 2: We talk about them.

499
00:21:54,000 --> 00:21:56,399
Speaker 3: All the time, but she wants to know, how do

500
00:21:56,480 --> 00:21:59,159
Speaker 3: you actually use them, and you know what I'm asking you,

501
00:21:59,280 --> 00:22:01,800
Speaker 3: because you're basically the shop back Wien is just good.

502
00:22:02,440 --> 00:22:04,400
Speaker 2: I do love a cash back platform.

503
00:22:04,520 --> 00:22:07,119
Speaker 4: Basically, the way that these platforms work is it's like

504
00:22:07,200 --> 00:22:11,159
Speaker 4: a referral system. So if you have their like a

505
00:22:11,200 --> 00:22:13,600
Speaker 4: little pop up opening the browser, or you shop through

506
00:22:13,640 --> 00:22:16,760
Speaker 4: their website using the cookies to track where you're going.

507
00:22:16,840 --> 00:22:19,040
Speaker 4: And so let's say you go, oh wow, there's twenty

508
00:22:19,080 --> 00:22:21,399
Speaker 4: percent cash back at the Iconic today, I'm going to

509
00:22:21,440 --> 00:22:24,080
Speaker 4: buy that thing I wanted. When you click through shopback

510
00:22:24,119 --> 00:22:27,640
Speaker 4: toor whatever platform you're using, the Iconic pays a referral

511
00:22:27,760 --> 00:22:30,840
Speaker 4: fee to shop Backs or whoever for sending a click

512
00:22:31,000 --> 00:22:33,320
Speaker 4: correct exactly right, which is a really standard way of

513
00:22:33,400 --> 00:22:36,159
Speaker 4: doing things. And then these platforms then share a percentage

514
00:22:36,160 --> 00:22:38,160
Speaker 4: of that with you in the form of cash back.

515
00:22:38,280 --> 00:22:43,840
Speaker 4: So you accumulate cash back through online shopping, and then

516
00:22:44,200 --> 00:22:45,479
Speaker 4: sometimes you have to heat a threshold.

517
00:22:45,520 --> 00:22:47,360
Speaker 2: When you're ready, you can withdraw it, usually.

518
00:22:47,160 --> 00:22:49,520
Speaker 4: Straight to your bank account, to your pay pad money,

519
00:22:49,880 --> 00:22:51,960
Speaker 4: and it's such a you're spending the money anyway, is

520
00:22:52,000 --> 00:22:53,639
Speaker 4: the way that I look at it. So why not

521
00:22:54,000 --> 00:22:56,159
Speaker 4: I think every year I maybe get one to two

522
00:22:56,280 --> 00:23:00,320
Speaker 4: hundred dollars cash back just from like standard every year. Yeah,

523
00:23:00,480 --> 00:23:03,240
Speaker 4: really just standard normal online shopping, especially because I try

524
00:23:03,280 --> 00:23:04,840
Speaker 4: and use the upsize one and.

525
00:23:04,880 --> 00:23:07,280
Speaker 3: You're you're not the biggest shopping in the entire world.

526
00:23:07,359 --> 00:23:10,320
Speaker 3: This is probably going to help me. I just cashed

527
00:23:10,400 --> 00:23:13,120
Speaker 3: in one thousand dollars worth of shop Oh my god.

528
00:23:14,080 --> 00:23:16,280
Speaker 3: And I did an extra investment because I was like, oh,

529
00:23:16,320 --> 00:23:18,160
Speaker 3: it's just tipped over this, I'm going to like take

530
00:23:18,200 --> 00:23:20,600
Speaker 3: a thousand dollars out and invest it. So I did

531
00:23:20,680 --> 00:23:26,680
Speaker 3: like another investing bundle boring ETFs. But that was really cool.

532
00:23:26,800 --> 00:23:29,000
Speaker 3: And when I saw it, I was like, holy guacamole.

533
00:23:29,240 --> 00:23:32,480
Speaker 3: Just by having it on my like having it on

534
00:23:32,560 --> 00:23:34,800
Speaker 3: my browser, it pops up and says, do you want

535
00:23:34,800 --> 00:23:36,920
Speaker 3: to turn on cash back for this website? And I'm like,

536
00:23:37,000 --> 00:23:40,719
Speaker 3: well yes, And I mean I also book a lot

537
00:23:40,760 --> 00:23:42,480
Speaker 3: of travel for work and stuff through that. So I

538
00:23:42,520 --> 00:23:44,480
Speaker 3: don't want people to be like, oh, Victoria is actually

539
00:23:44,480 --> 00:23:47,000
Speaker 3: a really irresponsible shopper, because I think you would know

540
00:23:47,119 --> 00:23:49,760
Speaker 3: I'm actually not that bad, but I do have a

541
00:23:49,800 --> 00:23:52,199
Speaker 3: lot of work expenses, a lot of offs works stuff.

542
00:23:52,440 --> 00:23:54,520
Speaker 3: Like Anyway, it was nice to get some little cash

543
00:23:54,600 --> 00:23:57,000
Speaker 3: holder absolutely, and it's like I love to.

544
00:23:57,200 --> 00:23:59,399
Speaker 4: I have all my favorite shop shops they shop at

545
00:23:59,440 --> 00:24:02,800
Speaker 4: regularly favorited, so I get notified when there is upside.

546
00:24:02,800 --> 00:24:05,400
Speaker 4: So the same pet food, for example, gross twenty percent

547
00:24:05,480 --> 00:24:07,840
Speaker 4: cash back. I'm stocking up things like that so you

548
00:24:07,960 --> 00:24:10,320
Speaker 4: can even just take your normal every day spending and

549
00:24:10,400 --> 00:24:12,720
Speaker 4: hopefully get a little bit of money back on exactly.

550
00:24:12,840 --> 00:24:15,280
Speaker 3: All right, Jess, let's take a really quick break and

551
00:24:15,520 --> 00:24:18,800
Speaker 3: then we're going to get into money saving tips for travel,

552
00:24:18,920 --> 00:24:21,600
Speaker 3: and we're going to have a quick chat about budget

553
00:24:21,680 --> 00:24:29,320
Speaker 3: date notes, so guys don't go anywhere. Welcome back, guys

554
00:24:29,400 --> 00:24:32,399
Speaker 3: to our very special Q and A episode. We are

555
00:24:32,600 --> 00:24:35,680
Speaker 3: loving the questions that you guys send in. Honestly, we

556
00:24:35,800 --> 00:24:37,840
Speaker 3: could probably do this all day, but we actually have

557
00:24:37,960 --> 00:24:41,560
Speaker 3: a timer on because the studio is booked by somebody else.

558
00:24:41,640 --> 00:24:43,680
Speaker 2: So Jess, what's next on the list?

559
00:24:43,920 --> 00:24:46,720
Speaker 4: Another one that we saw coming up time and time again.

560
00:24:47,000 --> 00:24:49,439
Speaker 4: The people want to know what are our favorite tips

561
00:24:49,520 --> 00:24:52,840
Speaker 4: for saving on travel? And we had one specific person

562
00:24:52,880 --> 00:24:54,960
Speaker 4: requesting tips to the US, which we did a trip

563
00:24:55,000 --> 00:24:55,760
Speaker 4: a couple of years ago.

564
00:24:55,960 --> 00:24:57,879
Speaker 2: We went to New York and then we went to

565
00:24:58,000 --> 00:25:00,960
Speaker 2: New Orleans. It was lovely and to go to Disneyland.

566
00:25:01,080 --> 00:25:04,119
Speaker 2: Oh that was absolutely the highlight of the true So

567
00:25:04,400 --> 00:25:05,960
Speaker 2: first thing I would say is cash back.

568
00:25:06,400 --> 00:25:08,680
Speaker 3: So making sure that if you are booking travel, you

569
00:25:08,760 --> 00:25:11,879
Speaker 3: are doing it through a cash back platform. It always

570
00:25:11,880 --> 00:25:13,920
Speaker 3: says us like I think I got two percent back

571
00:25:14,000 --> 00:25:16,560
Speaker 3: on my most recent flights, but two percent of flights

572
00:25:16,560 --> 00:25:18,679
Speaker 3: I'm paying a couple of grand Like that ends up

573
00:25:18,680 --> 00:25:21,040
Speaker 3: being a couple of hundred dollars. Yeah, so money win.

574
00:25:21,359 --> 00:25:25,399
Speaker 3: The next is when you're looking for flights online, clearing

575
00:25:25,480 --> 00:25:28,840
Speaker 3: your cookies. So this sounds silly, but I always look

576
00:25:29,000 --> 00:25:31,680
Speaker 3: for flights in a private browser, Like I go into

577
00:25:31,680 --> 00:25:35,399
Speaker 3: a private browser, make sure my computer's clear of cookies first,

578
00:25:35,800 --> 00:25:39,280
Speaker 3: because there's no remarketing that happens with flights.

579
00:25:39,320 --> 00:25:40,840
Speaker 2: And sometimes you know, when you go on and it's like,

580
00:25:40,920 --> 00:25:43,280
Speaker 2: oh these return flights, you're up a twelve hundred dollars,

581
00:25:43,520 --> 00:25:45,120
Speaker 2: and then you go back a day later and it's

582
00:25:45,160 --> 00:25:47,159
Speaker 2: thirteen fifty and you're like, hold on, hold on.

583
00:25:48,000 --> 00:25:50,840
Speaker 3: That can be quite purposeful. So we are making sure

584
00:25:50,880 --> 00:25:53,520
Speaker 3: that we don't have that on. I'm such a points

585
00:25:53,560 --> 00:25:55,480
Speaker 3: hacker as well. We did a whole episode you and

586
00:25:55,560 --> 00:26:00,320
Speaker 3: I actually just on points hacking, and sometimes I I

587
00:26:00,440 --> 00:26:02,960
Speaker 3: try to most of the time use my points to

588
00:26:03,080 --> 00:26:06,040
Speaker 3: either upgrade my travel or pay for part of my travel.

589
00:26:06,920 --> 00:26:09,200
Speaker 3: And you don't just have to use points for flights.

590
00:26:09,560 --> 00:26:12,760
Speaker 3: You can also book accommodation, which is really helpful. I

591
00:26:12,840 --> 00:26:16,400
Speaker 3: think is really cool. So like, for example, we'll get

592
00:26:16,440 --> 00:26:18,240
Speaker 3: to the US, but I have just booked a trip

593
00:26:18,320 --> 00:26:21,240
Speaker 3: to Bali and I've paid for our business class return

594
00:26:21,400 --> 00:26:25,239
Speaker 3: flights with Virgin with points, and then I'm staying at

595
00:26:25,280 --> 00:26:27,800
Speaker 3: two different resorts. We're going for a wedding, so the

596
00:26:27,880 --> 00:26:32,040
Speaker 3: wedding venue was actually on my points platform, so I

597
00:26:32,160 --> 00:26:33,800
Speaker 3: was able to book. I had to do like a

598
00:26:33,880 --> 00:26:35,840
Speaker 3: cash top up, which was fine. I used all the

599
00:26:35,880 --> 00:26:37,920
Speaker 3: points for that, did a cashtop up, and then I

600
00:26:38,000 --> 00:26:40,280
Speaker 3: paid cash for the rest of it. So like technically

601
00:26:40,520 --> 00:26:44,880
Speaker 3: this holiday is mainly paid for in points, like obviously

602
00:26:45,080 --> 00:26:48,600
Speaker 3: not spending money and like the other hotel, but like, sorry,

603
00:26:48,960 --> 00:26:49,640
Speaker 3: that's a good deal.

604
00:26:50,359 --> 00:26:51,400
Speaker 2: That's a really good deal.

605
00:26:51,760 --> 00:26:54,159
Speaker 4: I like for flights to make sure that you're taking

606
00:26:54,600 --> 00:26:57,080
Speaker 4: like looking at the options. So if you want to

607
00:26:57,160 --> 00:26:59,439
Speaker 4: fly in the middle of the day direct, you're going

608
00:26:59,480 --> 00:27:01,000
Speaker 4: to pay the most money. But if you're willing to

609
00:27:01,119 --> 00:27:04,120
Speaker 4: leave it five in the morning, I actually I want

610
00:27:04,160 --> 00:27:06,560
Speaker 4: to stop over in a country, you can save yourself

611
00:27:06,600 --> 00:27:08,760
Speaker 4: a lot of money, and I think that's really well

612
00:27:08,800 --> 00:27:10,000
Speaker 4: worth doing if you are trying to.

613
00:27:10,000 --> 00:27:10,680
Speaker 2: Do it affordably.

614
00:27:11,200 --> 00:27:13,879
Speaker 4: The other thing I would say is public transport, depending

615
00:27:13,880 --> 00:27:15,920
Speaker 4: on where you're traveling, but a lot of countries have

616
00:27:16,080 --> 00:27:18,800
Speaker 4: really great public transport systems. New York, for example, where

617
00:27:18,840 --> 00:27:20,320
Speaker 4: we went, had the subway, which.

618
00:27:20,160 --> 00:27:22,560
Speaker 3: Made everybody care the train everywhere. Sorry you're not getting

619
00:27:22,600 --> 00:27:25,000
Speaker 3: ubers in New yourk Yes, too expensive.

620
00:27:24,760 --> 00:27:26,440
Speaker 2: Absolutely, So I think that's really great.

621
00:27:26,640 --> 00:27:31,919
Speaker 4: Also, looking for discounted tickets to attraction, so you can

622
00:27:32,000 --> 00:27:35,960
Speaker 4: often get like tourist deals where it's like buy one,

623
00:27:36,000 --> 00:27:39,040
Speaker 4: get one half off or whatever that looks like. Student

624
00:27:39,119 --> 00:27:41,239
Speaker 4: discounts are a global thing, so you can often get

625
00:27:41,280 --> 00:27:44,639
Speaker 4: student discounts to get into different attractions, museums, et cetera.

626
00:27:45,280 --> 00:27:47,480
Speaker 4: So looking on any way that you can really get

627
00:27:47,520 --> 00:27:50,080
Speaker 4: a good deal I think is a big one. And

628
00:27:50,160 --> 00:27:53,680
Speaker 4: then lastly I would say for your accommodation. I'm a

629
00:27:53,800 --> 00:27:58,200
Speaker 4: skimp out on accommodation person. You're theoretically just there to sleep,

630
00:27:58,400 --> 00:28:00,119
Speaker 4: and so like when I went to Japan and we

631
00:28:00,200 --> 00:28:01,600
Speaker 4: were sleeping in a room that was like two meters

632
00:28:01,640 --> 00:28:03,400
Speaker 4: by two meters and we were actually.

633
00:28:03,119 --> 00:28:05,399
Speaker 2: That could never be me, and you've traveled with me,

634
00:28:05,560 --> 00:28:05,840
Speaker 2: you know what.

635
00:28:05,960 --> 00:28:07,560
Speaker 4: I'm like, I'm not gonna like, I'm not going to

636
00:28:07,600 --> 00:28:09,479
Speaker 4: say I don't love staying in a beautiful five stars

637
00:28:09,600 --> 00:28:09,800
Speaker 4: or but.

638
00:28:09,800 --> 00:28:12,320
Speaker 3: If we're trying to cut well, she enjoys it, she's grateful,

639
00:28:12,680 --> 00:28:15,000
Speaker 3: But like if she's paying for herself, she's going to

640
00:28:15,040 --> 00:28:15,880
Speaker 3: stay in a shoe box.

641
00:28:16,080 --> 00:28:18,640
Speaker 4: Yeah, I just think you're there to sleep and store

642
00:28:18,680 --> 00:28:21,080
Speaker 4: your stuff, and that's fair and I think that that's

643
00:28:21,119 --> 00:28:22,080
Speaker 4: a really good place.

644
00:28:21,880 --> 00:28:23,879
Speaker 2: That you can look to cut costs. See, for me,

645
00:28:24,320 --> 00:28:26,760
Speaker 2: I like to spend a little bit more on accommodation.

646
00:28:26,960 --> 00:28:30,000
Speaker 3: I think because I'm generally such a homebody, Like I'm

647
00:28:30,040 --> 00:28:32,320
Speaker 3: the type of person and you saw this when we

648
00:28:32,440 --> 00:28:34,400
Speaker 3: traveled and the US I think is a really good

649
00:28:34,480 --> 00:28:37,159
Speaker 3: example of this. Is like I would want to go

650
00:28:37,320 --> 00:28:39,800
Speaker 3: back to the house, like in the early afternoon and

651
00:28:39,880 --> 00:28:43,440
Speaker 3: have a few, like Rotta hours of just like being

652
00:28:43,720 --> 00:28:46,680
Speaker 3: inside scrolling on my phone, having a little bit of

653
00:28:46,720 --> 00:28:48,560
Speaker 3: a rest, and then going back out for dinner and

654
00:28:48,680 --> 00:28:49,880
Speaker 3: whatever we were doing after.

655
00:28:50,000 --> 00:28:51,640
Speaker 2: So for me, that's a priority.

656
00:28:51,800 --> 00:28:54,240
Speaker 3: But I was I was thinking as we were talking

657
00:28:54,240 --> 00:28:56,600
Speaker 3: about this, another area that I would say, I save

658
00:28:56,680 --> 00:29:00,440
Speaker 3: a lot on is food. And the first time we

659
00:29:00,520 --> 00:29:04,840
Speaker 3: went to America together, Jess, we shared a room because

660
00:29:04,880 --> 00:29:07,200
Speaker 3: we were savvy and also like we low key enjoy that.

661
00:29:07,920 --> 00:29:10,120
Speaker 3: I went straight to the supermarket, didn't I I got

662
00:29:10,200 --> 00:29:13,720
Speaker 3: like breakfast cereals, I got like filter coffee, I got

663
00:29:13,800 --> 00:29:14,480
Speaker 3: like or whatever.

664
00:29:14,520 --> 00:29:16,360
Speaker 2: It always like a cold brew coffee thing, because I

665
00:29:16,400 --> 00:29:17,160
Speaker 2: was like, I am not.

666
00:29:17,320 --> 00:29:21,240
Speaker 3: Spending like seven dollars USD on a coffee every single

667
00:29:21,280 --> 00:29:24,680
Speaker 3: morning from Starbucks where it's not even that good. And

668
00:29:24,840 --> 00:29:27,280
Speaker 3: I would also eat cereal in the mornings in our

669
00:29:27,320 --> 00:29:27,840
Speaker 3: hotel room.

670
00:29:27,920 --> 00:29:28,880
Speaker 2: It worked out so well.

671
00:29:29,080 --> 00:29:31,160
Speaker 3: And I'm such a I don't care how much money

672
00:29:31,240 --> 00:29:33,640
Speaker 3: we have and such a let's make sure that we've

673
00:29:33,680 --> 00:29:34,560
Speaker 3: got snacks at home.

674
00:29:34,920 --> 00:29:37,320
Speaker 2: So like I was also packing your bag before you left.

675
00:29:37,360 --> 00:29:39,280
Speaker 3: I was like, here's a musly bar for the day

676
00:29:39,280 --> 00:29:41,360
Speaker 3: in case you got a little bit hungry before lunch.

677
00:29:41,520 --> 00:29:43,440
Speaker 2: Like, I'm sorry, I'm not paying for snacks out.

678
00:29:43,480 --> 00:29:45,880
Speaker 3: I'm going to go to the supermarket when I arrive

679
00:29:45,960 --> 00:29:48,960
Speaker 3: at my location, get some snacks, get some breakfast stuff.

680
00:29:49,240 --> 00:29:52,520
Speaker 3: I swear it saves us over a like a week trip,

681
00:29:52,720 --> 00:29:55,960
Speaker 3: a couple of hundred dollars easily because sorry.

682
00:29:55,760 --> 00:29:58,360
Speaker 2: We've got food at home. Yeah, okay, at home is

683
00:29:58,440 --> 00:30:01,640
Speaker 2: now here in New Orleans, in Florida or wherever we are.

684
00:30:01,920 --> 00:30:03,200
Speaker 2: And if we have to eat with a spoon out

685
00:30:03,200 --> 00:30:04,000
Speaker 2: of the box, so be it.

686
00:30:04,440 --> 00:30:05,120
Speaker 4: No, no, no no.

687
00:30:06,200 --> 00:30:09,400
Speaker 3: We also bought lights and spoons and cutlery. We are

688
00:30:09,960 --> 00:30:13,800
Speaker 3: arguably relatively unhinged. And on my trip to Bali that

689
00:30:13,880 --> 00:30:17,080
Speaker 3: we're about to go on, I've actually packed a lunchbox

690
00:30:17,120 --> 00:30:21,040
Speaker 3: for Harvey because I will be making little sandwiches at

691
00:30:21,080 --> 00:30:23,840
Speaker 3: the buffet breakfast every morning so that he has morning

692
00:30:23,880 --> 00:30:25,800
Speaker 3: tea and lunch. Because I'm sorry, he's under the age

693
00:30:25,840 --> 00:30:29,040
Speaker 3: of two. He's not getting the menu at the pool,

694
00:30:29,680 --> 00:30:32,720
Speaker 3: so he's just not Yeah, I don't care. You will

695
00:30:32,800 --> 00:30:35,440
Speaker 3: have a little veggiemke sandwich or whatever, and I know

696
00:30:35,560 --> 00:30:37,680
Speaker 3: he'll be happy with that. All right, let's move on

697
00:30:37,800 --> 00:30:41,360
Speaker 3: from this, still talking about saving money, but you're extra

698
00:30:41,440 --> 00:30:44,680
Speaker 3: good at this, Jess. Lizzie wants to know what our money,

699
00:30:44,800 --> 00:30:47,880
Speaker 3: date nights and conbos look like with our partners.

700
00:30:49,600 --> 00:30:52,160
Speaker 4: We don't do a regular to be honest, a regular

701
00:30:52,240 --> 00:30:54,960
Speaker 4: date night or conversation. We just have a structure that

702
00:30:55,040 --> 00:30:58,000
Speaker 4: kind of works for us. We don't fully share finances.

703
00:30:58,080 --> 00:31:01,440
Speaker 4: We split our rent class, we split our shared expenses,

704
00:31:01,520 --> 00:31:04,120
Speaker 4: so like bills and groceries and that sort of thing.

705
00:31:04,600 --> 00:31:07,040
Speaker 4: But outside of that, we really like there's not too

706
00:31:07,160 --> 00:31:09,000
Speaker 4: much crossover, and so we don't have the need to

707
00:31:09,280 --> 00:31:11,600
Speaker 4: have those types of conversations. But I would say, if

708
00:31:11,640 --> 00:31:14,200
Speaker 4: that's something you're wanting to do, it's really about just

709
00:31:14,440 --> 00:31:18,920
Speaker 4: approaching it honestly and pragmatically. I think that money can

710
00:31:19,040 --> 00:31:21,240
Speaker 4: be a tense thing. If you feel like one person

711
00:31:21,360 --> 00:31:23,400
Speaker 4: is spending more than the other, or if you feel

712
00:31:23,440 --> 00:31:26,000
Speaker 4: like one person is taking your savings goals more seriously

713
00:31:26,080 --> 00:31:28,400
Speaker 4: than the other, it can bring up a lot of emotions,

714
00:31:28,440 --> 00:31:30,480
Speaker 4: and I think it's really helpful to take the emotion

715
00:31:30,640 --> 00:31:32,800
Speaker 4: out of it and look at your numbers. So I

716
00:31:32,840 --> 00:31:35,840
Speaker 4: think if you're going to approach your partner about their

717
00:31:35,880 --> 00:31:38,200
Speaker 4: spending habits, for example, or wanting to cut back or

718
00:31:38,200 --> 00:31:40,800
Speaker 4: whatever that looks like, have some numbers to back you

719
00:31:40,920 --> 00:31:42,760
Speaker 4: up and go, Okay, well, I've done the math on

720
00:31:43,080 --> 00:31:45,360
Speaker 4: what our spending is looking like, and if we cut

721
00:31:45,440 --> 00:31:48,200
Speaker 4: back xyz, we could save this amount. And so I

722
00:31:48,320 --> 00:31:52,600
Speaker 4: think that having something factual is also quite irrefutable, so

723
00:31:52,680 --> 00:31:55,400
Speaker 4: it keeps it. I think from being emotional, it keeps

724
00:31:55,440 --> 00:31:57,360
Speaker 4: it really clear for them to be like, hey, like

725
00:31:58,520 --> 00:32:01,000
Speaker 4: this is what I'm thinking, and this is the practical

726
00:32:01,080 --> 00:32:04,960
Speaker 4: application of that. I think is really helpful, particularly because

727
00:32:05,080 --> 00:32:08,480
Speaker 4: everybody's brain works differently, so your partner might really thrive

728
00:32:08,560 --> 00:32:11,200
Speaker 4: on the numbers or they might thrive on understanding your emotions.

729
00:32:11,240 --> 00:32:13,360
Speaker 4: You're kind of covering both of those bases.

730
00:32:14,000 --> 00:32:15,720
Speaker 2: I think. Try to make it fun too.

731
00:32:15,880 --> 00:32:17,960
Speaker 4: Like let's cook a dinner at home or have a

732
00:32:18,040 --> 00:32:19,920
Speaker 4: fun dessert, or we can go out and do it

733
00:32:20,000 --> 00:32:23,280
Speaker 4: at the restaurant. But if you're wanting to make it

734
00:32:23,360 --> 00:32:25,960
Speaker 4: a regular thing, it can be nice to make it

735
00:32:26,080 --> 00:32:28,400
Speaker 4: feel exciting in some way. And I feel like talking

736
00:32:28,400 --> 00:32:30,320
Speaker 4: about budgeting and stuff often doesn't.

737
00:32:30,440 --> 00:32:31,480
Speaker 2: It's not very sexy.

738
00:32:31,640 --> 00:32:33,680
Speaker 3: I feel like you and Steve probably have a better

739
00:32:33,920 --> 00:32:36,560
Speaker 3: approach than I do. You know what we don't, and

740
00:32:36,640 --> 00:32:38,520
Speaker 3: I think that's going to surprise a lot of people.

741
00:32:38,760 --> 00:32:42,560
Speaker 3: We don't do regular date nights for money anymore. I

742
00:32:42,640 --> 00:32:45,040
Speaker 3: feel like we did when we were trying to save

743
00:32:45,120 --> 00:32:48,160
Speaker 3: for a house, saving for our wedding, and everything was

744
00:32:48,200 --> 00:32:49,960
Speaker 3: coming up, and we were trying really hard to like

745
00:32:50,080 --> 00:32:53,400
Speaker 3: stay on track more towards the beginning of our relationship,

746
00:32:53,520 --> 00:32:55,680
Speaker 3: we definitely did our money date nights to kind of

747
00:32:55,800 --> 00:32:58,440
Speaker 3: like get on track with each other and like kind

748
00:32:58,480 --> 00:33:00,800
Speaker 3: of get on the same page. And of different stuff

749
00:33:00,840 --> 00:33:03,840
Speaker 3: would come up, and we were doing them maybe once

750
00:33:04,000 --> 00:33:06,680
Speaker 3: every month, and we weren't going out for them or

751
00:33:06,760 --> 00:33:09,480
Speaker 3: just doing them at home over dinner, but like instead

752
00:33:09,520 --> 00:33:11,240
Speaker 3: of sitting on the couch, we would sit at the

753
00:33:11,640 --> 00:33:13,680
Speaker 3: dining table and have our laptop open and have the

754
00:33:13,720 --> 00:33:17,000
Speaker 3: budget or whatever, very serious business meeting. You know, I

755
00:33:17,120 --> 00:33:19,440
Speaker 3: obviously as an advisor, loved it, but it can be

756
00:33:19,560 --> 00:33:22,440
Speaker 3: quite confronting because like we're talking to each other about

757
00:33:22,560 --> 00:33:25,560
Speaker 3: like what we're spending and like our values and if yeah,

758
00:33:25,720 --> 00:33:28,160
Speaker 3: can it can be not that fun, let's be honest.

759
00:33:28,360 --> 00:33:30,680
Speaker 3: But we definitely did them when we were like working

760
00:33:30,720 --> 00:33:33,480
Speaker 3: towards bigger financial goals. And now I would say we're

761
00:33:33,480 --> 00:33:37,120
Speaker 3: a little bit more financially comfortable, but we're also in

762
00:33:37,240 --> 00:33:40,280
Speaker 3: a different stage. So now our finances are one hundred

763
00:33:40,320 --> 00:33:43,240
Speaker 3: percent combined, like both our incomes go into an offset

764
00:33:43,280 --> 00:33:46,280
Speaker 3: account to our mortgage, and then just life happens from there.

765
00:33:46,440 --> 00:33:48,840
Speaker 3: Like it's not my money or his money, it's just

766
00:33:49,040 --> 00:33:52,480
Speaker 3: the money that we have, and that works for us,

767
00:33:52,720 --> 00:33:56,560
Speaker 3: but when we have bigger decisions coming up, we will

768
00:33:56,640 --> 00:33:59,560
Speaker 3: schedule one. So like we have a holiday coming up

769
00:34:00,240 --> 00:34:02,360
Speaker 3: before that, we're going to Bali. Like Steve and I

770
00:34:02,640 --> 00:34:04,960
Speaker 3: used that as an excuse to go out for dinner.

771
00:34:05,200 --> 00:34:07,080
Speaker 3: I was like, okay, cool, Like Mum and dad can

772
00:34:07,200 --> 00:34:09,319
Speaker 3: have Harvey that night and we'll go get We're into

773
00:34:09,360 --> 00:34:11,399
Speaker 3: the little tie place down the road from our house.

774
00:34:11,560 --> 00:34:13,400
Speaker 3: Love and we just talked about okay, we're going to

775
00:34:13,440 --> 00:34:16,360
Speaker 3: go to Bali, like how much are we willing to spend?

776
00:34:16,640 --> 00:34:17,120
Speaker 2: Like how many?

777
00:34:17,239 --> 00:34:19,839
Speaker 3: And it's just like a lot of logistical conversations now

778
00:34:19,920 --> 00:34:23,040
Speaker 3: as opposed to being on the same page. So we

779
00:34:23,120 --> 00:34:26,000
Speaker 3: were like, okay, let's like log into your Velocity account

780
00:34:26,040 --> 00:34:28,319
Speaker 3: and my Velocity account because we do like the puling things.

781
00:34:28,440 --> 00:34:30,920
Speaker 3: I can't see Steve's points, but he has all my points.

782
00:34:31,000 --> 00:34:33,160
Speaker 3: I don't know anyway, how many points have we got?

783
00:34:33,200 --> 00:34:33,719
Speaker 2: Okay, cool?

784
00:34:33,920 --> 00:34:35,800
Speaker 3: Like what would that get us? Do we want to

785
00:34:35,840 --> 00:34:38,240
Speaker 3: spend our points on the trap like on the flights

786
00:34:38,320 --> 00:34:40,560
Speaker 3: or the accommodation. Turns out we had enough for like

787
00:34:41,120 --> 00:34:43,320
Speaker 3: a little bit of like the flights and some of

788
00:34:43,320 --> 00:34:45,719
Speaker 3: the accommodation. Where do we want to stay what kind

789
00:34:45,719 --> 00:34:48,320
Speaker 3: of budget are we looking for? Like, I think that

790
00:34:48,560 --> 00:34:51,960
Speaker 3: really helps us when bigger things are coming. You know,

791
00:34:52,160 --> 00:34:54,480
Speaker 3: if we plan another baby, we'll sit down and have

792
00:34:54,640 --> 00:34:57,279
Speaker 3: a big money conversation about like, well, what does that

793
00:34:57,400 --> 00:34:57,680
Speaker 3: look like?

794
00:34:57,760 --> 00:34:59,000
Speaker 2: What does your leave look like?

795
00:34:59,520 --> 00:35:02,719
Speaker 3: But yeah, I think as time goes on, your money

796
00:35:02,800 --> 00:35:06,200
Speaker 3: conversations aren't as like, Okay, we have a date night

797
00:35:06,239 --> 00:35:08,560
Speaker 3: and we go through our budget every single week because

798
00:35:08,560 --> 00:35:10,120
Speaker 3: that just ticks along, and we're both on the same

799
00:35:10,120 --> 00:35:11,719
Speaker 3: page about that, like we don't need to have that

800
00:35:11,880 --> 00:35:15,440
Speaker 3: regular date night, but when things are popping up, like

801
00:35:15,600 --> 00:35:17,560
Speaker 3: I don't want to book a hotel that my husband

802
00:35:17,600 --> 00:35:20,399
Speaker 3: and I haven't actually discussed, Okay, every night we want

803
00:35:20,440 --> 00:35:23,759
Speaker 3: to spend this amount, like because I feel like we

804
00:35:23,840 --> 00:35:26,520
Speaker 3: can easily fall into me going oh, I want to

805
00:35:26,560 --> 00:35:28,800
Speaker 3: book this hotel and it's this much per night, and

806
00:35:28,880 --> 00:35:30,880
Speaker 3: Steve goes, oh, yeah, no worries, that's fine.

807
00:35:31,160 --> 00:35:33,680
Speaker 2: But then he's not as across our finances. I don't know.

808
00:35:33,880 --> 00:35:36,400
Speaker 3: So when big things come up, we're doing it, but honestly,

809
00:35:36,520 --> 00:35:39,880
Speaker 3: not that regularly because it just it's not that it

810
00:35:39,920 --> 00:35:41,800
Speaker 3: doesn't work for us, but we're now kind of on

811
00:35:41,920 --> 00:35:43,279
Speaker 3: the same page, and I feel like you use your

812
00:35:43,360 --> 00:35:45,919
Speaker 3: date nights to get to that place, and now we're

813
00:35:45,960 --> 00:35:46,600
Speaker 3: at that place.

814
00:35:46,680 --> 00:35:50,200
Speaker 2: We're using them as we need them, not monthly. Amazing.

815
00:35:50,560 --> 00:35:51,839
Speaker 4: Well, I've got a fun one for us to end

816
00:35:51,880 --> 00:35:54,879
Speaker 4: on from Tyler who said, if you won a large

817
00:35:54,920 --> 00:35:57,560
Speaker 4: amount of money tomorrow, what would your treat to yourself be?

818
00:35:57,880 --> 00:36:02,520
Speaker 2: Oh my gosh, I'm sorry. Can you imagine going into

819
00:36:02,600 --> 00:36:06,080
Speaker 2: your shares account and like investing a couple of hundred grand?

820
00:36:06,960 --> 00:36:08,640
Speaker 2: Oh I wouldn't do it all at once. I dollar

821
00:36:08,680 --> 00:36:09,879
Speaker 2: cost averaging into the market.

822
00:36:09,960 --> 00:36:13,120
Speaker 3: Don't worry, guys, But can you imagine transferring a couple

823
00:36:13,120 --> 00:36:14,680
Speaker 3: of hundred grand to your Shares of These account and

824
00:36:14,719 --> 00:36:17,560
Speaker 3: just seeing it in your wallet able for you to invest.

825
00:36:17,840 --> 00:36:19,520
Speaker 4: It's so funny that you went a couple of hundred

826
00:36:19,560 --> 00:36:21,200
Speaker 4: thousand when it said if you want a large amount

827
00:36:21,239 --> 00:36:24,040
Speaker 4: of money, I'm thinking I won twenty million on the lotto, like.

828
00:36:25,719 --> 00:36:28,719
Speaker 2: Different winning one hundred thousand dollars heaps of money. I

829
00:36:28,760 --> 00:36:30,960
Speaker 2: mean absolutely, But I just took this as you know

830
00:36:31,080 --> 00:36:31,680
Speaker 2: that it's.

831
00:36:31,719 --> 00:36:34,319
Speaker 3: We are still community ages ago, and if you search

832
00:36:34,400 --> 00:36:36,720
Speaker 3: in our Facebook group there's a whole thread we asked

833
00:36:36,719 --> 00:36:39,520
Speaker 3: you guys, what to you is a large amount of money,

834
00:36:39,800 --> 00:36:43,160
Speaker 3: and it was so wild because some people were like, oh,

835
00:36:43,360 --> 00:36:45,800
Speaker 3: twenty dollars, gluck, that's heaps.

836
00:36:46,160 --> 00:36:48,680
Speaker 2: Some people were like twenty million, and I'm here like,

837
00:36:48,760 --> 00:36:49,320
Speaker 2: I don't know that.

838
00:36:49,440 --> 00:36:51,360
Speaker 3: My default was like a large amount of money, Oh,

839
00:36:51,360 --> 00:36:53,560
Speaker 3: a couple of hundred grand go if I'm buying twenty

840
00:36:53,600 --> 00:36:54,320
Speaker 3: million dollars.

841
00:36:54,600 --> 00:36:56,880
Speaker 2: Yeah, I don't know what my treat would be. I

842
00:36:56,920 --> 00:36:59,359
Speaker 2: feel like a favorite fantasy. I feel like I get.

843
00:36:59,280 --> 00:37:03,280
Speaker 3: Analysis paralysis and just like freeze up a bit. Honestly,

844
00:37:03,360 --> 00:37:05,440
Speaker 3: we're probably going out for dinner. Yeah, we're going to

845
00:37:05,520 --> 00:37:08,600
Speaker 3: go again Steak Fritz, Jessica Gorgeou We're gonna get Steak

846
00:37:08,680 --> 00:37:09,600
Speaker 3: Fritz in the sprits.

847
00:37:09,840 --> 00:37:10,880
Speaker 2: Oh lovely.

848
00:37:11,360 --> 00:37:13,200
Speaker 4: I feel like gonna be buying my ultimate dream house,

849
00:37:13,239 --> 00:37:16,160
Speaker 4: which would be a huge house with big windows and

850
00:37:16,280 --> 00:37:17,239
Speaker 4: curtains on the beach.

851
00:37:17,480 --> 00:37:20,120
Speaker 2: I could on the beach on the like walk straight out. Yeah,

852
00:37:20,320 --> 00:37:21,600
Speaker 2: that's loved love well.

853
00:37:21,719 --> 00:37:23,560
Speaker 3: I think that is a perfect place to leave it,

854
00:37:23,640 --> 00:37:25,759
Speaker 3: because this was such a fun one.

855
00:37:26,239 --> 00:37:28,400
Speaker 2: If you've got a question that you would love us to.

856
00:37:28,440 --> 00:37:30,760
Speaker 3: Answer, make sure that you're following us on Instagram because

857
00:37:30,760 --> 00:37:32,520
Speaker 3: that's where we do all our call us for questions.

858
00:37:32,680 --> 00:37:35,080
Speaker 3: Just like this and while you are there, my friends,

859
00:37:35,160 --> 00:37:37,720
Speaker 3: don't forget to like, subscribe and leave us a review

860
00:37:37,840 --> 00:37:40,560
Speaker 3: if you haven't already. It helps more people find the

861
00:37:40,600 --> 00:37:44,319
Speaker 3: show and join our amazing community. Guys, thanks so much

862
00:37:44,360 --> 00:37:46,680
Speaker 3: for hanging out and we're gonna be lucky to see

863
00:37:46,719 --> 00:37:48,000
Speaker 3: you again on Friday.

864
00:37:48,239 --> 00:37:56,360
Speaker 2: Hi did buy shared on Cheese.

865
00:37:56,400 --> 00:37:58,600
Speaker 3: On the Money is general in nature and does not

866
00:37:58,760 --> 00:38:02,480
Speaker 3: consider your individual so circumstances. She's on the Money exists

867
00:38:02,640 --> 00:38:05,839
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868
00:38:05,920 --> 00:38:08,920
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869
00:38:09,120 --> 00:38:12,040
Speaker 3: choose to buy a financial product, read the PDS TMD

870
00:38:12,239 --> 00:38:14,200
Speaker 3: and obtain appropriate financial.

871
00:38:13,880 --> 00:38:15,600
Speaker 2: Advice tailored towards your needs.

872
00:38:16,040 --> 00:38:19,920
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873
00:38:20,000 --> 00:38:24,080
Speaker 3: of Money. Sheoper Pty Ltd ABN three two one six

874
00:38:24,200 --> 00:38:28,040
Speaker 3: four nine two seven seven zero eight AFSL four five

875
00:38:28,160 --> 00:38:29,359
Speaker 3: one two eight nine