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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it. She's on the Money.

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Speaker 3: She's on the Money.

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Speaker 2: Hello, and welcome to She's on the Money, the podcast

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Speaker 2: for millennials who want financial freedom. Today, my friends, it

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Speaker 2: is Friday, which means it is time to get my

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Speaker 2: little team back together to celebrate you. Ow incredible. She's

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Speaker 2: on the Money community today. Mster greed she's going to

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Speaker 2: be sharing her favorite money wins from the group. Miss

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Speaker 2: Beck say ed she's got some very good broke tips

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Speaker 2: for you. We'll be helping as a team to answer

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Speaker 2: a juicy money dilemma, which this week is all about

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Speaker 2: how to make your super work harder for you, and

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Speaker 2: we're going to be unpacking something that you slid into

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Speaker 2: our DMS about this week. We're talking guys about stingy friends.

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Speaker 3: No one wants to be that person.

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Speaker 4: No, that's just lots of.

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Speaker 2: People are that person. So we're gonna chat about it. Okay,

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Speaker 2: So before we get there, I want to know, how

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Speaker 2: have your week's been, mster Grich.

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Speaker 3: Been doing anything fun but nothing crazy? We had a

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Speaker 3: secondary flying high huh. Anyone who's playing along at home now.

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Speaker 2: As we'll just kick you while you're down.

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Speaker 3: This one was not my fault. This one was not

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Speaker 3: my fault. We work up at five o'clock in the

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Speaker 3: morning to the roof and the window leaking, which is

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Speaker 3: really exciting.

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Speaker 2: I actually cannot believe your love. I don't know what

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Speaker 2: what have you done?

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Speaker 3: I'm like, what did I do to deserve you do something?

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Speaker 2: Did you do something in a past life where you

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Speaker 2: just like really really really werenaughty? And then now everyone's like,

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Speaker 2: let it rain on Jess's house.

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Speaker 4: It's like manifesting in a funny way, like literally only floods,

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Speaker 4: but not that, not not only.

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Speaker 2: She's literally up to three floods in her house in

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Speaker 2: the last two weeks.

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Speaker 4: Oh, actually, but your car battery did die. You've broken

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Speaker 4: aule as well.

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Speaker 3: So I dressing this weekend? What else did you do

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Speaker 3: this weekend? I got all the way through a glass

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Speaker 3: of Pepsi max and what I found at the bottom.

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Speaker 2: No, no, no, no, no big fat fly? Like no,

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Speaker 2: absolutely not, absolutely not. I'm having literally the worst week

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Speaker 2: of mind. You can come live with me.

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Speaker 4: That's okay, this is weird, Like we need to study this.

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Speaker 2: I'm not normally this unlucky, you know, she is just

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Speaker 2: like is perfect normally, So I don't know why she's

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Speaker 2: being thrown under a bus. But mentioning flies, why are

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Speaker 2: they everywhere at the moment, I think it's dare because

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Speaker 2: I can't deal with it. Yeah, I hate I swear

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Speaker 2: like there are so many flies at the moment and annoying.

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Speaker 2: Yeah they're in my house, Like where did you come from?

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Speaker 2: Like my husband opened the back doors and we basically

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Speaker 2: had a fight because I was like, you close those

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Speaker 2: flies in my house? One out of ten?

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Speaker 4: I know, so annoying, but no, I do. I need

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Speaker 4: to figure out what's going on here. Guess maybe it

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Speaker 4: did you annoy someone anyway, Well, someone put ext me

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Speaker 4: do a clean Yeah, we need to do a cleanse.

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Speaker 4: When we finish this, we'll do a cleanse week. My

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Speaker 4: week has been really nice, really Christmas y. I'm trying

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Speaker 4: to like squoize all the Christmasy things in and you know,

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Speaker 4: just seeing friends and like I'm busy and very tired,

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Speaker 4: but also really really good my money when is that?

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Speaker 4: I ended up not going to Meredith, which was.

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Speaker 2: Very sad, But why did you Meredith?

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Speaker 4: Well, I just I realized, like I just couldn't afford it.

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Speaker 2: And okay, that is a very good reason to say

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Speaker 2: no to something. I'm proud of you. Oh you wouldn't

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Speaker 2: have done that.

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Speaker 4: Old me wouldn't have because I had been kind of

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Speaker 4: talking it up for so long and like I was

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Speaker 4: messaging everyone I know, even though I didn't have a

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Speaker 4: I was like, I'm going to Ameretith. I'm going to

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Speaker 4: Ameretith and put it in my calendar. And old me

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Speaker 4: definitely would have been like I'm going to find a way.

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Speaker 4: I'm going to be broke, but I'm going to find

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Speaker 4: a way. But this song was like so proud of you,

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Speaker 4: thank you.

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Speaker 3: So funny you rained all weekend. Yeah, I feel like

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Speaker 3: that's actually also a life win for you.

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Speaker 4: That's so true. I do hear it was very muddy,

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Speaker 4: which is not great, So yeah, win win.

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Speaker 2: It was really really love it. Did you do something

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Speaker 2: you just like hung out with friends on the weekend

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Speaker 2: instead I did.

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Speaker 4: We had a Christmas night and cute Christmas games and

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Speaker 4: watch Christmas movies.

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Speaker 2: That is very very cute, very cute.

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Speaker 4: And what about you, v As you.

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Speaker 2: Can probably hear in my voice, I am still not

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Speaker 2: one hundred percent, which is really frustrating because I feel

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Speaker 2: really good. But I had what was it a cute

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Speaker 2: bronchitus last week, which is why you guys had to

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Speaker 2: take the helm and take one for the team and

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Speaker 2: do a whole episode without me, which is always honestly terrifying.

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Speaker 2: So I'm like, what are they going to say? Like

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Speaker 2: there's just like there's also just like such quick turnaround

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Speaker 2: without pot cast editing that it means I can't vet

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Speaker 2: it before it goes live and like change anything because

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Speaker 2: like you'llow So I haven't listened to it yet, but

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Speaker 2: I will. I'm just a little bit scared.

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Speaker 4: Listen, actually we did drag your name through the mud.

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Speaker 2: I think you absolutely just keep it real and then

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Speaker 2: Earlier this week, Brooke, who is our video content creator,

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Speaker 2: she came back from the US, which is really exciting

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Speaker 2: because she's been there for like three months working. I

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Speaker 2: guess international. We're international team of girlies. Guys. It's about

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Speaker 2: as international as we get, let's be honest. But she

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Speaker 2: came back and we recorded so many videos over the weekend.

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Speaker 2: We did this whole new series that is called is

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Speaker 2: It Home Brand? Basically, oh so, like we got out

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Speaker 2: all of these dupes. We went to the supermarket and

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Speaker 2: like spent ages going through the aisles and being like, oh,

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Speaker 2: they're fruit loops, They're dupe loops, like and picked them

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Speaker 2: all up, and then we did blind taste testings and

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Speaker 2: if you've already seen it, we've started posting the videos already.

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Speaker 2: I got absolutely duped by the fake coke. And I'm

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Speaker 2: really I'm so embarrassed for you.

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Speaker 3: It's so adamant that you would always be able to

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Speaker 3: taste the difference.

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Speaker 2: Yeah, Like I was so clear because I'm such a

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Speaker 2: Coke zero girlie, Like I don't want diet coke, I

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Speaker 2: don't want full fat coke. We only drink Coke zero,

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Speaker 2: Like I am a Coke zero stan like asked yes,

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Speaker 2: one a day every day.

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Speaker 5: She loves it.

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Speaker 2: And then the que cola from Cole's got me q cola.

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Speaker 2: It was like in a one point two liter bottle

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Speaker 2: dollar ten money win that is that is money win.

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Speaker 2: It's a very good money win. But this girley couldn't

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Speaker 2: tell you the difference to save her life.

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Speaker 4: That's really cool though. I think that's such a great idea.

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Speaker 2: It was fun. So we've done like a heap of

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Speaker 2: those videos and I just got really good snacks over

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Speaker 2: the weekend.

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Speaker 3: Guys, I'm excited to see the series roll out to

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Speaker 3: figure out what I can replace.

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Speaker 2: Yes, I actually think it's so fun. So if you

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Speaker 2: have a dupe like at the supermarket that you're like

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Speaker 2: the home brand one slighs, we need to hear about

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Speaker 2: it because we'll try it on the show. Yes. Anyway,

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Speaker 2: let's get back to the community. Mister GRICI, what money

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Speaker 2: wins do you want to share this week?

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Speaker 3: My first money in this week comes from Brenda who

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Speaker 3: said money win and loss. I traded in my old

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Speaker 3: iPhone six, which I haven't used in years, and I

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Speaker 3: got a fifty five dollar Apple give cut.

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Speaker 2: That's cool.

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Speaker 3: My partner had broken my MacBook laptop charger the next day.

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Speaker 3: So the money went towards that I didn't even know

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Speaker 3: you could trade back phones that were that old.

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Speaker 2: I think I have a few in.

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Speaker 3: A drawer that I just ow you now, like you're

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Speaker 3: going to go through my drawer and trade them all

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Speaker 3: back in. Yeah.

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Speaker 2: I thought it was going to be only like the

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Speaker 2: most recent iPhone or something.

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Speaker 3: Yeah, so that's where good fifty bucks is fifty bucks.

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Speaker 4: Judging by your luck, they will be like, we're not

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Speaker 4: taking in fact, we're not taking these, and also we're

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Speaker 4: charging you.

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Speaker 2: They're going to charge her Jessica's hext guys. Oh my gosh.

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Speaker 3: Next, I've got money in from Lily, who said money win.

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Speaker 3: I put twenty four hours between my spending, and when

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Speaker 3: I checked back online the dinner set I wanted to buy,

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Speaker 3: it was half priced down from one twenty nine to

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Speaker 3: sixty dollars.

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Speaker 2: Oh that's our money win.

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Speaker 3: That twenty four hours between you and you're spending pays

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Speaker 3: off in a big way.

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Speaker 2: You also got some cash back as well on a

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Speaker 2: cash back app.

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Speaker 4: Genius.

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Speaker 3: Yes, ideally funny that you say that, because my next

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Speaker 3: money wind comes from a Tara And she said money win.

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Speaker 3: I was at Chadston when I found a pair of

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Speaker 3: pants that I loved. I looked up the brand and

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Speaker 3: they were ten percent cash back on shop back mudey Win.

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Speaker 3: So I ordered them online instead of on site, and

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Speaker 3: they were also on special on the website.

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Speaker 2: Oh so that's such a money double money in. I

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Speaker 2: feel like that's something I do all the time in store.

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Speaker 2: It's low key, a little bit like mediocre middle aged

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Speaker 2: white man, but like I will like google the product

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Speaker 2: while I'm looking at it in the shop because I'm like,

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Speaker 2: I'm the best deal on this. If I've decided I

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Speaker 2: want to buy that, am I going to get cash back?

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Speaker 2: It's so easy to do, and then also lots of

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Speaker 2: places price match, so true, it's worth a try.

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Speaker 4: Absolutely love that. I'm going to start doing that, give

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Speaker 4: it a crack.

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Speaker 3: Why not. Next, I've got one from Victoria great name,

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Speaker 3: who said.

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Speaker 2: A fantastic name. I must be a genius. Her wing is.

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Speaker 3: Pretty, she said. I went thirty dollars over my Christmas

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Speaker 3: gift budget, so I found a candle I already had

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Speaker 3: to regift, which saved me from having to buy them

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Speaker 3: a gift, and it put me back within my budget.

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Speaker 2: Oh. I love that. That's actually so resourceful, very on

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Speaker 2: brand for a Victoria. That's definitely something I would do,

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Speaker 2: so clean flay.

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Speaker 3: Next, I've got a money in from Julie, who said,

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Speaker 3: not really a money win, but kind of in a

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Speaker 3: roundabout way. I couldn't find a Christmas shirt that I loved,

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Speaker 3: so I made one with my own painting. It didn't

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Speaker 3: cost too much more than those generic ones in the shops,

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Speaker 3: and I know that it's a keeper and she's put

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Speaker 3: a really cute picky I looktive. I love this, I've

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Speaker 3: hus and it's a good way to use, like if

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Speaker 3: you already have a shirt at home. Yeah, and you'uring

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Speaker 3: you have one of those Christmas parties where you need

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Speaker 3: something festive, do a little diy job. Yeah. I love that,

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Speaker 3: really iconic. Next, I've got one from Grace who said

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Speaker 3: I've sold fifteen things on deepop since signing up a

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Speaker 3: few months ago. I've cleaned out my garage and sold

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Speaker 3: a few things on marketplace. I'm decluttering and I'm making money.

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Speaker 3: Big win.

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Speaker 4: Great.

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Speaker 2: I love that. I love how proactive it is, though,

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Speaker 2: because how many of us say we're going to do

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Speaker 2: that and then don't do that. Yes, yes, she's doing it.

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Speaker 2: Get it, Grace, Well done, Grace.

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Speaker 3: And lastly, I've got one from al who said money

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Speaker 3: and feel good win. My daughter's school makes Christmas hampers

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Speaker 3: for the homeless and families in need. I had one

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Speaker 3: hundred and ten dollars in Woolworth rewards that I had

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Speaker 3: forgotten about, so I used it to shop for the

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Speaker 3: hamper donations. I also ended up getting an extra twenty

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Speaker 3: dollars on rewards in that shop.

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Speaker 2: Oh money win. That is very cool, so wholesome.

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Speaker 3: Yeah, awesome, And another good one for I know a

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Speaker 3: few weeks here we spoke about people who wanted to

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Speaker 3: do charitable things but maybe didn't have the budget. If

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Speaker 3: you ever rewards points, that's such a good way to

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Speaker 3: use them is use those things that you want to donate.

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Speaker 2: Genius.

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Speaker 3: That's everything, guys.

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Speaker 2: I liked those ones. Yes, I feel like they were

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Speaker 2: a very wholesome wrap up, a little bit festive, little

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Speaker 2: bit budget, a little bit saving. I love it anyway,

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Speaker 2: it seems like very festive. Long yeah, and you're you're

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Speaker 2: in a festive mood this week?

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Speaker 4: Back seriously, so right up your alley.

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Speaker 2: But now I want to know what broke tips. Have

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Speaker 2: you got for us this week?

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Speaker 4: Okay? So, as per, I do have two from the

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Speaker 4: community and one of my own, so I know, just

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Speaker 4: to just to like mix it up a little bit

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Speaker 4: up a little bit, be a little bit different. So

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Speaker 4: the first one comes from Rhiannon and this.

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Speaker 2: One is a little bit festive, so I love a

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Speaker 2: festive money in Yeah, I feel like this one we

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Speaker 2: may have mentioned before. That's okay.

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Speaker 4: I thought it's a really good time to just kind

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Speaker 4: of like emphasize how great this is. So Brandon says

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Speaker 4: that in wool Ways, they have these cute Christmas designs

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Speaker 4: on their paper bags. You can cut the bottom of

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Speaker 4: it and use it as wrapping paper. So if you

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Speaker 4: shop the all Wards a lot, maybe if you get

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Speaker 4: your reusable bag and you have to buy the paper bags,

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Speaker 4: that also doubles as wrapping paper, which I think is

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Speaker 4: really cool.

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Speaker 2: It love there.

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Speaker 3: I saw someone on Instagram use their paper bag. They

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Speaker 3: slipped it so that the writing was on the inside

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Speaker 3: and they used it to wrap like a handpicked bouquet,

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Speaker 3: which is another really much use for it as well.

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Speaker 3: Like they kicked they think the flowers from their garden

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Speaker 3: know something and they wrapped its like a beautiful little

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Speaker 3: boutique bouquet, very cute, humble paper bag can do a lot.

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Speaker 2: I've said this a few times on the podcast before,

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Speaker 2: but I literally refuse to buy holiday wrapping paper. It

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Speaker 2: is so ex defensive. So a couple of years ago,

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Speaker 2: I went to office works and I bought a really

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Speaker 2: big roll of craft paper, you know, like the brown

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Speaker 2: craft paper, and I think it was like thirty meters

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Speaker 2: or something ridiculous, and it was like fifteen dollars. It's

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Speaker 2: all I've been using for wrapping, so you will always

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Speaker 2: get a present from me wrapped in brown paper. And

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Speaker 2: then I juse it up with like some fancy like

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Speaker 2: string I get from the two dollar shop or something.

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Speaker 2: Then everything under the tree matches, and people think that

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Speaker 2: I'm being like, oh, look, how aesthetics she is. No,

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Speaker 2: I'm cheap Like. The answer is cheapness, not aesthetics. But

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Speaker 2: you know what, I like that you think I think

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Speaker 2: that is going to work.

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Speaker 4: I do love brown wrapping papers very.

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Speaker 2: It's like a little bit rustic, a little bit helpful. Also,

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Speaker 2: you could juse it up even more by like going

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Speaker 2: to like Bunnings and getting some like Hessian string like

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Speaker 2: tying Hessian string and putting like a few gum leaves

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Speaker 2: or something in it. So cheap, so cute, so.

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Speaker 4: Cheap, you could draw a little festive Okay, I'm not

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Speaker 4: you are.

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Speaker 2: People would be like, hey, v I'm just wondering, why

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Speaker 2: did a toddler decorate your presence this year? And I'd

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Speaker 2: be like, that was me. I tried. I tried. It's

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Speaker 2: the thought that counts.

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Speaker 4: You can't yet blame that on your baby.

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Speaker 2: No, no, but I will be what's your second broke

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Speaker 2: tip from the community? Back?

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Speaker 4: So this next one comes from Michelle. This one, I

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Speaker 4: really do like it because I feel like this is

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Speaker 4: the reality for a lot of people. So back in

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Speaker 4: the day, when her and her family couldn't afford heat packs,

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Speaker 4: they would fill an empty one point two liter soft

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Speaker 4: drink bottle with hot water. The lid would screw on

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Speaker 4: tights and new leaks, and if you wrap it in

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Speaker 4: a tea towel with a rubber band, you have a

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Speaker 4: reusable heat pack. So that is really, really, it's a

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Speaker 4: really clever way to kind of like make it through

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Speaker 4: the winter. If you're like in a position where you

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Speaker 4: literally can't afford a heat pack, you literally can't afford heating.

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Speaker 2: Snaggy, you can cud of let in bed now.

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Speaker 4: Exactly obviously, you know, don't put boiling water because your

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Speaker 4: bottle me. Yeah, just so nice, just the I think

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Speaker 4: like when you just turin on the hot tap, like

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Speaker 4: it doesn't actually get too hot these days anyway, that

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Speaker 4: should do and that will ask you hopefull of the night.

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Speaker 4: Which yeah, I love this. I actually really like this

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Speaker 4: broke tip and my one. This one is not so

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Speaker 4: broke that you can't use Uber. This is like I

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Speaker 4: can use Uber, but I'm also trying to save money.

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Speaker 4: So I've noticed that if I'm trying to order an Uber,

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Speaker 4: I'll go into the Uber app, I'll put in my destination.

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Speaker 4: I'll leave the app three, four, maybe five times. So

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Speaker 4: you got to start this early.

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Speaker 2: You can't be meet.

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Speaker 4: You got to start this very early. Each time you

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Speaker 4: leave the app, it gives you a little discount. I

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Speaker 4: know this what happened all the time, but with me,

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Speaker 4: it did. It went I was getting an Uber from

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Speaker 4: my friend and I was kind of just like waiting

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Speaker 4: for her response. So this was just completely accidental that

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Speaker 4: I happened upon this. It started at about thirty dollars,

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Speaker 4: and then it went all the way down to I

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Speaker 4: literally think from memory it was thirteen dollars. It went

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Speaker 4: from thirty dollars to thirteen.

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Speaker 2: Dollars just like a thirde time.

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Speaker 4: No, it wasn't, it was just a regular time. It

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Speaker 4: just kept like saying, hey, are you forgetting something or

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Speaker 4: you know this is still just do you need to ride?

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Speaker 4: Here's twenty percent off, blah blah blah. It went all

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Speaker 4: the way down. I just couldn't believe it. So while

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Speaker 4: I was waiting for her response, I just kept like

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Speaker 4: opening it and seeing what it's a going out of

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Speaker 4: it again and blah blah blah. So I just it

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Speaker 4: was completely accidental. And so now anytime I need an Uber,

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Speaker 4: I do this and it maybe it takes about ten minutes,

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Speaker 4: but give it a try.

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Speaker 2: I like that. I've been using d D recently because

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Speaker 2: I feel like when Uber's surging and I'm like, I'm

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Speaker 2: not paying those surg prices, I go on DD and

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Speaker 2: then I get a good ride whatever. Half the time

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Speaker 2: they come, the car comes and it's got the Uber

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Speaker 2: sticker on it because the drivers are using both app

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Speaker 2: switch get it Queen's But my favorite thing about dd is.

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Speaker 2: If you don't use it for a while, they send

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Speaker 2: you vouchers. They're like, oh, here's ten dollars off your

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Speaker 2: next ride, and you're like, ha ha, I'll just stah

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Speaker 2: that one away for future game the system. I'm all

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Speaker 2: about gaming the system. I love that back. I feel

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Speaker 2: like that was very wholesome, little bit festive, little bit smart. Also, yeah,

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Speaker 2: good money wins. Absolutely, I'm just fish. Let's go to

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Speaker 2: a really quick break and on the flip side, we're

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Speaker 2: going to be unpacking how to make your superwork harder

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Speaker 2: for you, which is definitely something we all want. But

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Speaker 2: then after that we're getting to the spicy conversation of

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Speaker 2: talking about your stingy friends. And I think all of

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Speaker 2: us like a little bit of goss, So don't go anywhere.

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Speaker 3: Welcome back everyone. Let's take a listen to this week's

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Speaker 3: money dilemma.

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Speaker 6: Hi, there, have you got a money dilemma you just

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00:16:28,120 --> 00:16:30,680
Speaker 6: can't solve that. She's on the Money Team is here

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Speaker 6: to help. Every week we tackle your dilemmas, both big

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Speaker 6: and small, to answer your most burning money.

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Speaker 2: Career and life questions.

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Speaker 6: To get involved, simply head to our website and leave

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Speaker 6: us a short voice recording and you might just find

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Speaker 6: yourself on the show. Now, let's take a listen to

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Speaker 6: this week's Money Dilemma.

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Speaker 5: Hi, she's on the Money team. Love the podcast and

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Speaker 5: all that you do. In the spirit of financial literacy

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Speaker 5: and investing in my future, I've spoken to a super

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Speaker 5: annuation management firm. They've estimated they could increase my super

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Speaker 5: from roughly seven hundred K to one point two million

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Speaker 5: over a thirty year period through a super fund account manager.

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Speaker 5: Obviously this is appealing, but I don't want to go

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Speaker 5: in blind. Their fee is three k one off and

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Speaker 5: then one point six percent fee per anim of my

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00:17:16,920 --> 00:17:19,919
Speaker 5: super amount. In addition, I would have access to their

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Speaker 5: team of financial advisors and mortgage broker for free. I

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Speaker 5: want to engage these services and feel like this could

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Speaker 5: be a great one stop shop. But are these fees typical?

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Speaker 5: I know nothing is guaranteed in terms of future super performance,

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Speaker 5: but want to optimize what I can as early as possible.

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Speaker 2: I'm not going to comment yet because I want your comments. Guys.

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Speaker 2: How do you feel about that, Jess? I know you

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Speaker 2: know a little bit about like financial advice fees. What

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Speaker 2: are your thoughts and feelings?

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Speaker 3: I just my thoughts on financial advice in general, whether

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00:17:50,119 --> 00:17:53,879
Speaker 3: that's an advisor, whether that's mortgages, whether that's investments, is

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Speaker 3: that if they're approaching you, I'm always.

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Speaker 2: Sus I'm so glad you've said that because I let

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Speaker 2: you go first, because I'm like sitting here with red

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Speaker 2: flag every we're all over this.

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Speaker 4: Also, they're saying I will get you from seven hundred

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Speaker 4: thousand to well at one point.

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Speaker 3: I don't know if maybe you've misunderstood the wording here

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Speaker 3: is just not making sense to me, because if they're

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Speaker 3: saying that they can take you from seven hundred thousand

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Speaker 3: to one point two million and thirty years using our

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Speaker 3: favorite compound interest calculator, Yeah, I can tell you that

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Speaker 3: if you had seven hundred thousand dollars and you did

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Speaker 3: quite frankly, not a whole lot with it.

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Speaker 2: Tell me, tell me the specs you put it in.

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Speaker 3: Jest, put it in assuming no additional deposits. You just

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Speaker 3: have that seven hundred thousand that she's saying that it's

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Speaker 3: there over at thirty year period, assuming an average rate

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Speaker 3: of return of seven point five percent.

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Speaker 2: Which is what actually is on the money we always use.

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Speaker 2: It is a little bit lower, a little bit more

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Speaker 2: conservative than the average rate of return of the Australian

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Speaker 2: shair market. Good job, es, I go, I'm out of

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Speaker 2: a job that.

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Speaker 3: She just told me. Well, we're estimating that you would

437
00:18:54,440 --> 00:18:59,240
Speaker 3: have about six million, five hundred ninety and seventy four dollars. Yeah,

438
00:18:59,480 --> 00:19:02,760
Speaker 3: so in two million is severely underperforming, like union.

439
00:19:02,640 --> 00:19:04,960
Speaker 2: Yeah, you're not even doing the bare minimum, sir, Like

440
00:19:05,080 --> 00:19:06,919
Speaker 2: even if we drop it down right, because I think

441
00:19:07,040 --> 00:19:09,119
Speaker 2: Jess is doing exactly what I was doing, Let's pretend

442
00:19:09,440 --> 00:19:11,680
Speaker 2: it's an average rate of return of five percent. Because

443
00:19:11,720 --> 00:19:14,760
Speaker 2: if you've got seven hundred grand, girl, you are doing well. Yeah,

444
00:19:14,960 --> 00:19:16,440
Speaker 2: so can we talk about how you got seven hundred

445
00:19:16,440 --> 00:19:18,880
Speaker 2: grand in super, because like I need to know that story.

446
00:19:19,400 --> 00:19:22,160
Speaker 2: But if you've got seven hundred thousand dollars in super,

447
00:19:22,840 --> 00:19:25,280
Speaker 2: even if it's at a rate of return of five

448
00:19:25,359 --> 00:19:29,240
Speaker 2: percent BECK over thirty years, that's three point one million dollars. Wow.

449
00:19:29,240 --> 00:19:31,240
Speaker 2: So like, these guys, what do you need them for?

450
00:19:31,320 --> 00:19:32,359
Speaker 3: And you're paying them three grand?

451
00:19:32,400 --> 00:19:35,920
Speaker 2: Off the topic, I am always so skeptical of these

452
00:19:36,160 --> 00:19:41,240
Speaker 2: superanuation management firms because usually, and I'm probably going to

453
00:19:41,280 --> 00:19:43,560
Speaker 2: make some people in the industry really angry, and I

454
00:19:43,680 --> 00:19:46,600
Speaker 2: kind of don't care. Usually, if you are a superanuation

455
00:19:46,760 --> 00:19:51,200
Speaker 2: management company, you're a burn and churn company. You usually

456
00:19:51,359 --> 00:19:55,080
Speaker 2: buy lists of people's phone numbers and you call them

457
00:19:55,080 --> 00:19:57,320
Speaker 2: and go, hey, Beck, we're a supermanagement firm, like we

458
00:19:57,400 --> 00:19:59,480
Speaker 2: can help you. And you go, oh my gosh, so

459
00:19:59,520 --> 00:20:01,280
Speaker 2: your license. So they go, yeah, yeah, we just got

460
00:20:01,280 --> 00:20:03,840
Speaker 2: given your number. Thought you were a good person to call.

461
00:20:04,080 --> 00:20:05,879
Speaker 2: This happens all the time. We see it in our

462
00:20:05,920 --> 00:20:10,159
Speaker 2: community so often. To be honest, you would be better

463
00:20:10,320 --> 00:20:14,280
Speaker 2: off not paying a financial advisor to give you superannuation

464
00:20:14,520 --> 00:20:17,359
Speaker 2: only advice for three thousand dollars and staying with a

465
00:20:17,400 --> 00:20:21,520
Speaker 2: default fund in a balanced portfolio, like you would be

466
00:20:21,640 --> 00:20:25,520
Speaker 2: financially better off by going on the money Smart website

467
00:20:25,560 --> 00:20:28,199
Speaker 2: and having a look at your super comparison tool and

468
00:20:28,240 --> 00:20:31,359
Speaker 2: picking that. I'm not saying that that's what you should do,

469
00:20:31,440 --> 00:20:33,640
Speaker 2: because if you've got seven hundred grand in super Girl,

470
00:20:33,640 --> 00:20:36,800
Speaker 2: you are doing incredibly and you definitely should see an advisor,

471
00:20:37,240 --> 00:20:41,040
Speaker 2: but you should see a holistic wealth advisor, someone who's

472
00:20:41,040 --> 00:20:43,159
Speaker 2: going to go, well, what goals are we trying to achieve?

473
00:20:43,200 --> 00:20:45,320
Speaker 2: What does this actually look like? Why have you got

474
00:20:45,320 --> 00:20:47,560
Speaker 2: seven hundred grand in super I'm assuming if you have

475
00:20:47,600 --> 00:20:50,000
Speaker 2: that much in super you're probably doing well outside of

476
00:20:50,040 --> 00:20:52,359
Speaker 2: it and need some budget and cash flow help and

477
00:20:52,400 --> 00:20:55,760
Speaker 2: some investing help, because that shouldn't be your only wealth

478
00:20:55,800 --> 00:20:59,360
Speaker 2: creation asset. But to me, it's a massive red flag

479
00:20:59,640 --> 00:21:02,840
Speaker 2: if they're then saying, but it's a really good deal, Jessica,

480
00:21:03,000 --> 00:21:06,040
Speaker 2: you can get access to our financial advisors and mortgage brokers.

481
00:21:06,440 --> 00:21:10,440
Speaker 2: I'm sorry. Mortgage brokers are free to begin with. Like, legally,

482
00:21:10,520 --> 00:21:14,960
Speaker 2: mortgage brokers cannot charge you for their services. And as

483
00:21:15,000 --> 00:21:18,159
Speaker 2: somebody who owns a mortgage broking firm called Zella Money,

484
00:21:18,880 --> 00:21:21,560
Speaker 2: I don't like, and this is coming from someone who

485
00:21:21,640 --> 00:21:25,120
Speaker 2: used to also own a financial advice firm, you cannot

486
00:21:25,160 --> 00:21:29,280
Speaker 2: be brilliant at everything. I picked one way and said,

487
00:21:29,280 --> 00:21:31,920
Speaker 2: all right, I'm gonna have to step back because you know,

488
00:21:32,119 --> 00:21:36,639
Speaker 2: as the director of Zellowealth and Zella Money, they're conflicting.

489
00:21:37,240 --> 00:21:40,240
Speaker 2: They need so much of my time to be successful.

490
00:21:40,560 --> 00:21:43,320
Speaker 2: Zello Wealth wasn't taking on new clients, and they weren't

491
00:21:43,320 --> 00:21:45,400
Speaker 2: taking on new clients because I would be like, look,

492
00:21:45,440 --> 00:21:47,680
Speaker 2: I don't have the capacity between she's on the money

493
00:21:47,720 --> 00:21:50,840
Speaker 2: and growing this mortgage broking business to do the right

494
00:21:50,920 --> 00:21:54,399
Speaker 2: thing by clients. So I'm not taking anyone new, but

495
00:21:54,560 --> 00:21:57,320
Speaker 2: if you're doing mortgage broking and financial advice in this

496
00:21:57,600 --> 00:22:00,840
Speaker 2: economic situation where there's so much clients, I don't think

497
00:22:00,880 --> 00:22:03,359
Speaker 2: you can be good at both. Like, and I don't

498
00:22:03,359 --> 00:22:05,080
Speaker 2: mean to be rude, because I do have friends who

499
00:22:05,200 --> 00:22:08,439
Speaker 2: own mortgage broking and financial advice companies, but they're not

500
00:22:08,600 --> 00:22:10,440
Speaker 2: usually volume based companies.

501
00:22:10,520 --> 00:22:10,680
Speaker 3: Right.

502
00:22:10,720 --> 00:22:12,879
Speaker 2: They might be like, Oh, Bet comes in and we

503
00:22:12,920 --> 00:22:15,320
Speaker 2: help her along the way, and that can be really great, Like,

504
00:22:15,359 --> 00:22:18,760
Speaker 2: it can be a fantastic service. However, if I'm going

505
00:22:18,840 --> 00:22:20,720
Speaker 2: to go get a mortgage, like we know Jess is

506
00:22:20,760 --> 00:22:23,840
Speaker 2: on her first home by a journey, Jess, I know

507
00:22:24,200 --> 00:22:28,120
Speaker 2: benefits from working with someone who forty hours a week,

508
00:22:28,560 --> 00:22:31,800
Speaker 2: day in, day out, talks about mortgages, talks to the banks,

509
00:22:32,080 --> 00:22:34,960
Speaker 2: is completely across it, so that when Jess' is like, oh,

510
00:22:34,960 --> 00:22:37,480
Speaker 2: what's this mean, they're like, Oh, it's talking to Westpac yesterday,

511
00:22:37,840 --> 00:22:40,240
Speaker 2: That's what this means. Where As often when you're a

512
00:22:40,240 --> 00:22:42,960
Speaker 2: financial advisor and a mortgage broker, you don't do that

513
00:22:43,040 --> 00:22:45,840
Speaker 2: much mortgage work because the financial advice work takes so

514
00:22:45,880 --> 00:22:48,280
Speaker 2: long and you're not as in touch with what's currently

515
00:22:48,320 --> 00:22:50,840
Speaker 2: going on and with the interest rates going up and

516
00:22:50,920 --> 00:22:53,879
Speaker 2: everything kind of in a shamble. You want someone who

517
00:22:53,960 --> 00:22:56,880
Speaker 2: has their finger on the pulse, but like every second,

518
00:22:57,240 --> 00:22:59,479
Speaker 2: not you know, once or twice a week. So I'm

519
00:22:59,560 --> 00:23:02,439
Speaker 2: quite I don't know, assertive. That's why I like you

520
00:23:02,560 --> 00:23:05,240
Speaker 2: having independent experts who are great in their field, and

521
00:23:05,280 --> 00:23:08,000
Speaker 2: you build a little team that works for you, not

522
00:23:08,040 --> 00:23:11,160
Speaker 2: necessarily going to a one stop shop, because, don't get

523
00:23:11,160 --> 00:23:14,720
Speaker 2: me wrong, sounds perfect in theory, it's not necessarily going

524
00:23:14,760 --> 00:23:17,040
Speaker 2: to work out that way because they're often like, oh,

525
00:23:17,040 --> 00:23:19,720
Speaker 2: it's just a hygiene factor. Oh, just as one of

526
00:23:19,720 --> 00:23:21,960
Speaker 2: our financial advice clients she needs a mortgage, can you

527
00:23:22,000 --> 00:23:25,119
Speaker 2: just get her one? Yeah, just honestly, whatever goes through easiest.

528
00:23:25,840 --> 00:23:28,719
Speaker 2: It's not putting just in the best possible position. So

529
00:23:28,920 --> 00:23:30,919
Speaker 2: to me, I'm gonna get a lot of hate for that.

530
00:23:30,960 --> 00:23:33,000
Speaker 2: I'm going to don't care because I'm not even an

531
00:23:33,040 --> 00:23:36,880
Speaker 2: advisor anymore. But these supermanagement companies or firms or whatever

532
00:23:36,880 --> 00:23:39,880
Speaker 2: they're calling themselves, if they only do super and they're

533
00:23:39,920 --> 00:23:44,760
Speaker 2: giving you access to their you know, super advisors, you

534
00:23:44,840 --> 00:23:47,440
Speaker 2: don't really need that. You're probably getting it free already

535
00:23:47,440 --> 00:23:50,480
Speaker 2: through your super fund. And for three thousand dollars to

536
00:23:50,520 --> 00:23:54,680
Speaker 2: do initial advice for only one stream, that's a lot.

537
00:23:55,359 --> 00:23:59,879
Speaker 3: Who's your first thought because we've spoken about this before,

538
00:24:00,040 --> 00:24:02,639
Speaker 3: but I feel like you're more similar to our listener

539
00:24:02,720 --> 00:24:04,760
Speaker 3: in that have you been approach based on I like

540
00:24:04,760 --> 00:24:05,080
Speaker 3: this before.

541
00:24:05,080 --> 00:24:07,640
Speaker 4: What would your instinct be if you were totally well

542
00:24:07,960 --> 00:24:09,560
Speaker 4: like as you guys know, I used to like kind

543
00:24:09,560 --> 00:24:13,479
Speaker 4: of work in super but I didn't initially think about

544
00:24:14,119 --> 00:24:17,000
Speaker 4: how that looked over thirty years. Like Jess, I think

545
00:24:17,000 --> 00:24:18,280
Speaker 4: you were like on top of it and you were like,

546
00:24:18,480 --> 00:24:22,720
Speaker 4: this seems really low but math math, and I guess,

547
00:24:22,720 --> 00:24:26,600
Speaker 4: like my my first red flag, maybe maybe my only,

548
00:24:26,680 --> 00:24:29,080
Speaker 4: because I'm not it was it was a while ago,

549
00:24:29,200 --> 00:24:31,240
Speaker 4: you guys, so my you know, it's not fresh in

550
00:24:31,280 --> 00:24:33,960
Speaker 4: the mind. But my first and maybe only red flag

551
00:24:34,040 --> 00:24:38,320
Speaker 4: was that if someone's guaranteeing any kind of grow.

552
00:24:38,400 --> 00:24:41,560
Speaker 2: Yes, that's a red flag in well.

553
00:24:41,800 --> 00:24:43,520
Speaker 4: No matter what it looks like, no matter like if

554
00:24:43,520 --> 00:24:46,400
Speaker 4: it's pretty much guaranteed like in this case, like seven

555
00:24:46,440 --> 00:24:49,280
Speaker 4: hundred thousand dollars, it's probably going to grow in thirty years.

556
00:24:49,280 --> 00:24:52,199
Speaker 4: But even then, like guaranteeing growth in any situation, I'm

557
00:24:52,280 --> 00:24:54,840
Speaker 4: kind of like red flag that's not okay. Yeah, I

558
00:24:54,920 --> 00:24:55,560
Speaker 4: like totally.

559
00:24:55,760 --> 00:24:59,720
Speaker 2: I like that also, Jess, that seven hundred thousand dollars

560
00:25:00,119 --> 00:25:03,040
Speaker 2: to quote guarantee growth to one point two million dollars.

561
00:25:03,240 --> 00:25:07,200
Speaker 2: That's promising a two percent interest rate return over thirty years. Yeah,

562
00:25:07,760 --> 00:25:09,040
Speaker 2: are you happy with two percent?

563
00:25:09,119 --> 00:25:09,280
Speaker 4: Yes?

564
00:25:09,600 --> 00:25:12,280
Speaker 3: I'm getting more on my savings acount right now. I'm

565
00:25:12,280 --> 00:25:14,120
Speaker 3: hanning like double that on my seat exactly.

566
00:25:15,040 --> 00:25:18,800
Speaker 2: We don't settle here nor bye. I think we'll wrap

567
00:25:18,840 --> 00:25:21,439
Speaker 2: it there because I obviously don't want to go too

568
00:25:21,600 --> 00:25:25,480
Speaker 2: too far into this but money dilemma person, could you

569
00:25:25,520 --> 00:25:29,159
Speaker 2: please DM me that company? Because I love this us

570
00:25:29,280 --> 00:25:31,560
Speaker 2: Yess the amount of times people dam me the companies

571
00:25:31,560 --> 00:25:33,639
Speaker 2: that have like approached them. And then Jess and I

572
00:25:33,720 --> 00:25:36,080
Speaker 2: sit at my laptop and I'm like, look at their pds,

573
00:25:36,080 --> 00:25:37,760
Speaker 2: look at this, look at that, let's have a read

574
00:25:37,800 --> 00:25:39,560
Speaker 2: through their license, what their heck? How do they get

575
00:25:39,560 --> 00:25:42,600
Speaker 2: away with this? Look at their fees? Because if they're

576
00:25:42,640 --> 00:25:45,520
Speaker 2: managing you're super right. I don't mean to be rude again.

577
00:25:45,760 --> 00:25:48,320
Speaker 2: There are lots of financial advisors who are very actively

578
00:25:48,359 --> 00:25:51,159
Speaker 2: managing super in a very very constructive way. And if

579
00:25:51,200 --> 00:25:53,639
Speaker 2: you need a financial advisor and you're looking at this

580
00:25:53,720 --> 00:25:56,320
Speaker 2: going v where the heck and do I go. You

581
00:25:56,359 --> 00:25:58,840
Speaker 2: can actually just go to our website and one of

582
00:25:58,840 --> 00:26:01,200
Speaker 2: my team members will at you with one of our

583
00:26:01,320 --> 00:26:05,560
Speaker 2: pre vetted financial advisors or mortgage brokers to make sure

584
00:26:05,560 --> 00:26:07,800
Speaker 2: you're in the best possible position. It's kind of like

585
00:26:07,840 --> 00:26:09,520
Speaker 2: I'm at you with my squad to make sure you're

586
00:26:09,560 --> 00:26:11,919
Speaker 2: not getting screwed over, which I think is smart. But

587
00:26:13,119 --> 00:26:16,560
Speaker 2: why such a high ongoing fee to manage super which

588
00:26:16,600 --> 00:26:20,119
Speaker 2: is essentially set and forget in a way that is

589
00:26:20,480 --> 00:26:22,200
Speaker 2: very Why are we doing that?

590
00:26:22,240 --> 00:26:23,679
Speaker 4: You guys are vigilantes and I love it.

591
00:26:24,400 --> 00:26:26,199
Speaker 2: I'm not having it. I'm not having it back, but

592
00:26:27,000 --> 00:26:28,800
Speaker 2: I think we'll leave it there. So if anyone wants

593
00:26:28,800 --> 00:26:31,720
Speaker 2: to slide into my dms with their financial advice fake companies,

594
00:26:32,119 --> 00:26:36,320
Speaker 2: not fake but a red flag companies flag, I feel

595
00:26:36,359 --> 00:26:38,200
Speaker 2: free because I love the goss. I love the drama.

596
00:26:38,240 --> 00:26:40,320
Speaker 2: I'm here for it. But you know what else, I.

597
00:26:40,240 --> 00:26:42,960
Speaker 4: Love more goss and more drama.

598
00:26:43,160 --> 00:26:46,120
Speaker 2: Let's talk about the conundrum that you guys slid into

599
00:26:46,160 --> 00:26:48,840
Speaker 2: our dams about this week? Are you strapped in, locked

600
00:26:48,840 --> 00:26:49,720
Speaker 2: and loaded and ready?

601
00:26:49,880 --> 00:26:50,960
Speaker 4: I am so ready?

602
00:26:51,040 --> 00:26:53,560
Speaker 2: You are ready? All right? So here's the dam. Hey,

603
00:26:53,600 --> 00:26:55,440
Speaker 2: she's on the money team. I have a money, lamb

604
00:26:55,480 --> 00:26:59,880
Speaker 2: before you. Yes, one of our friends is chronically stingy.

605
00:27:00,240 --> 00:27:02,760
Speaker 2: She earns a very good wage. Her husband also earns

606
00:27:02,760 --> 00:27:05,360
Speaker 2: a good income. Combined income, I reckon would be more

607
00:27:05,359 --> 00:27:08,000
Speaker 2: than three hundred thousand dollars, and she comes from a

608
00:27:08,080 --> 00:27:11,600
Speaker 2: very wealthy family. She invited twenty friends over for a

609
00:27:11,640 --> 00:27:14,600
Speaker 2: barbecue for her birthday and originally said that she's doing

610
00:27:14,640 --> 00:27:17,680
Speaker 2: a barbecue just byo your own booth. On the day

611
00:27:17,680 --> 00:27:20,439
Speaker 2: of the barbecue, she messages everyone again and tells everyone

612
00:27:20,520 --> 00:27:24,040
Speaker 2: that they have bought twenty four sausages for twenty people

613
00:27:24,680 --> 00:27:26,920
Speaker 2: and have some nibbles, and if you want something else

614
00:27:26,920 --> 00:27:29,320
Speaker 2: for the barbecue, then you need to bring whatever you

615
00:27:29,359 --> 00:27:32,080
Speaker 2: would want for yourself. I get that we're at a

616
00:27:32,119 --> 00:27:34,560
Speaker 2: cost of living crisis, but honestly, we are thirty three

617
00:27:34,680 --> 00:27:37,399
Speaker 2: and she could have easily spent one hundred dollars to

618
00:27:37,480 --> 00:27:41,480
Speaker 2: cater enough food for everybody. We not broke UNI students anymore.

619
00:27:41,960 --> 00:27:44,280
Speaker 2: What should we do? Do we call her out for

620
00:27:44,320 --> 00:27:47,920
Speaker 2: being stingy? Do we just accept it's her and move on? Help?

621
00:27:48,560 --> 00:27:53,760
Speaker 4: See, I have my best friend is just like this. Literally,

622
00:27:53,840 --> 00:27:56,720
Speaker 4: her birthday are two weeks ago. Everyone brought their own

623
00:27:56,720 --> 00:27:58,960
Speaker 4: food for the barbecue. She kind of like framed it

624
00:27:59,000 --> 00:28:01,200
Speaker 4: as a barbecue, and then everyone just knew to bring

625
00:28:01,200 --> 00:28:03,800
Speaker 4: her own food because we love her and we accept her.

626
00:28:04,000 --> 00:28:04,919
Speaker 4: She makes a lot of money.

627
00:28:05,400 --> 00:28:10,800
Speaker 2: But since your friend, babe, I just think it's okay.

628
00:28:10,960 --> 00:28:12,879
Speaker 4: I just think it's okay. I guess maybe give people

629
00:28:12,880 --> 00:28:14,680
Speaker 4: more notice. Feel like, hey, I'm having a barbecue. I

630
00:28:14,680 --> 00:28:17,800
Speaker 4: don't want to buy food for everyone, so I'll provide nibbles.

631
00:28:17,960 --> 00:28:20,639
Speaker 4: You just bring whatever meat you feel like eating on

632
00:28:20,680 --> 00:28:22,720
Speaker 4: the day, and we'll have like a nice I've been.

633
00:28:22,600 --> 00:28:24,919
Speaker 2: To lots of barbecues like that. We're gonna have a

634
00:28:24,920 --> 00:28:26,840
Speaker 2: barbecue at my place. I'm going to do a few salads,

635
00:28:26,880 --> 00:28:28,960
Speaker 2: bring whatever you want to chuck on the barbie. Totally

636
00:28:29,040 --> 00:28:30,240
Speaker 2: like drinks. That's fine.

637
00:28:30,359 --> 00:28:31,160
Speaker 4: Yeah, yeah, I.

638
00:28:31,080 --> 00:28:32,080
Speaker 2: Think it's completely fine.

639
00:28:32,119 --> 00:28:35,359
Speaker 4: And like, honestly, three hundred thousand for two people in

640
00:28:35,680 --> 00:28:39,080
Speaker 4: this economy. I mean, obviously I'm not making anyone new,

641
00:28:39,600 --> 00:28:43,400
Speaker 4: even one of them, but I just think due to

642
00:28:43,440 --> 00:28:45,800
Speaker 4: the economy right now, due to the cost of living, due.

643
00:28:45,600 --> 00:28:49,000
Speaker 2: To what do you call it V when you lifestyle creep.

644
00:28:48,880 --> 00:28:51,600
Speaker 4: Yes, lifestyle creep and all these things, I'm like, you know,

645
00:28:51,720 --> 00:28:55,160
Speaker 4: it's probably not even that March at the end of

646
00:28:55,240 --> 00:28:57,000
Speaker 4: the day, you know what I mean, Like, it's a

647
00:28:57,200 --> 00:29:00,120
Speaker 4: lot for some people, but for someone who's kind of

648
00:29:00,320 --> 00:29:03,240
Speaker 4: this lifestyle for a long time, it's probably not that much.

649
00:29:03,400 --> 00:29:06,320
Speaker 4: Like I say, little Bee, I think she's allowed.

650
00:29:06,840 --> 00:29:09,040
Speaker 2: I'm laughing because I feel like I know what Jess

651
00:29:09,120 --> 00:29:12,200
Speaker 2: is gonna say, because like she's got an Italian background haha.

652
00:29:12,400 --> 00:29:15,200
Speaker 2: And like I had like a little dinner the other

653
00:29:15,280 --> 00:29:17,800
Speaker 2: night with a couple of girlfriends over and Jess was there,

654
00:29:18,240 --> 00:29:20,360
Speaker 2: and like I said, now it's all catered, like booze

655
00:29:20,400 --> 00:29:23,120
Speaker 2: and food, don't worry, don't bring anything. She still brought stuff.

656
00:29:23,120 --> 00:29:26,400
Speaker 2: Obviously it's Jess. So I'm just like, what is your thoughts, Jess.

657
00:29:26,600 --> 00:29:29,440
Speaker 3: I'm kind of into minds because I do if I

658
00:29:29,480 --> 00:29:32,800
Speaker 3: was to host personally, I would take care of everything.

659
00:29:33,120 --> 00:29:35,520
Speaker 3: But I think it's a very dangerous game to start

660
00:29:35,560 --> 00:29:39,800
Speaker 3: implying that just because someone earns more than you, they

661
00:29:39,960 --> 00:29:44,360
Speaker 3: should or should not be able to pay more for something.

662
00:29:44,400 --> 00:29:47,680
Speaker 3: And I guess the timeframe thing is definitely I suppose

663
00:29:47,760 --> 00:29:51,040
Speaker 3: the here for me. I think if you want people

664
00:29:51,040 --> 00:29:53,080
Speaker 3: to bring their own stuff, that's so fine. Set that

665
00:29:53,200 --> 00:29:56,360
Speaker 3: expectation at the beginning, invite them to the part. Yeah,

666
00:29:56,360 --> 00:29:58,040
Speaker 3: because some people might be in the position where they

667
00:29:58,040 --> 00:30:00,680
Speaker 3: can't afford to bring a plate or can't afford to something,

668
00:30:00,720 --> 00:30:03,440
Speaker 3: and so you know, they're saying yes based on assuming

669
00:30:03,480 --> 00:30:05,200
Speaker 3: that it's all catered. Then they realize that they have

670
00:30:05,240 --> 00:30:07,640
Speaker 3: to help Kate. So I think that that is the

671
00:30:07,680 --> 00:30:10,960
Speaker 3: thing that I don't necessarily agree with, but I think that, yeah,

672
00:30:10,960 --> 00:30:12,440
Speaker 3: you're right, Like, if that's the way that you want

673
00:30:12,440 --> 00:30:14,440
Speaker 3: to do it, maybe they just couldn't be both cooking everything,

674
00:30:14,760 --> 00:30:18,960
Speaker 3: you know, or maybe there's another reason that isn't necessarily stinginess.

675
00:30:19,560 --> 00:30:22,360
Speaker 3: But I don't think that setting that boundary is necessarily

676
00:30:22,400 --> 00:30:25,760
Speaker 3: a bad thing. Yeah, it's different in different friend groups too.

677
00:30:25,920 --> 00:30:29,680
Speaker 3: If everybody else when they host caters for everybody and

678
00:30:29,720 --> 00:30:32,680
Speaker 3: they're the one friend that isn't doing that, you know,

679
00:30:32,760 --> 00:30:34,479
Speaker 3: and you want to have a conversation about that by

680
00:30:34,520 --> 00:30:36,480
Speaker 3: all means, But I think be really gentle because you

681
00:30:36,520 --> 00:30:38,280
Speaker 3: don't know what someone's finances look like.

682
00:30:38,440 --> 00:30:38,720
Speaker 2: Either.

683
00:30:38,920 --> 00:30:41,400
Speaker 3: You don't know if they're paying off huge amounts of debt.

684
00:30:41,480 --> 00:30:43,360
Speaker 3: You know, maybe they've got this nice lifestyle but they're

685
00:30:43,360 --> 00:30:45,520
Speaker 3: living on credit cards or whatever. Like I just think

686
00:30:45,560 --> 00:30:47,960
Speaker 3: that the I'm kind of taking it away from the

687
00:30:48,000 --> 00:30:50,200
Speaker 3: original question. But I think the thing that I'm that

688
00:30:50,280 --> 00:30:53,800
Speaker 3: I don't love in this dilemma is that the idea

689
00:30:53,800 --> 00:30:57,400
Speaker 3: that just because somebody earns more, that they should have

690
00:30:57,400 --> 00:31:01,400
Speaker 3: a responsibility to be more financially responsible, which isn't completely watching.

691
00:31:01,680 --> 00:31:02,959
Speaker 2: Is their budget not your budget?

692
00:31:03,040 --> 00:31:05,000
Speaker 3: Yeah, and I know that that's not really what our

693
00:31:05,480 --> 00:31:09,320
Speaker 3: dilimma person is staying either, But I'm just conscious of

694
00:31:09,360 --> 00:31:11,200
Speaker 3: that school of thought I think can be a little

695
00:31:11,200 --> 00:31:15,240
Speaker 3: bit dangerous or unfair, but it is difficult. Like if

696
00:31:15,280 --> 00:31:17,400
Speaker 3: your friend is always doing this and everyone else is

697
00:31:17,440 --> 00:31:19,680
Speaker 3: paying that, I can see where that would be irritating

698
00:31:19,720 --> 00:31:20,560
Speaker 3: to Yes.

699
00:31:20,720 --> 00:31:22,760
Speaker 2: I think the question needs to be broken into two

700
00:31:22,840 --> 00:31:26,760
Speaker 2: questions because I think that there's clearly some underlying stuff

701
00:31:26,840 --> 00:31:30,320
Speaker 2: going on in addition to this. Right, So the first

702
00:31:30,360 --> 00:31:34,120
Speaker 2: question and the real question here is my friend organized

703
00:31:34,120 --> 00:31:37,600
Speaker 2: to barbecue. She's having twenty people over and she said

704
00:31:37,680 --> 00:31:40,160
Speaker 2: she's doing the barbecue. Jest, you need to bring the boost.

705
00:31:40,800 --> 00:31:44,440
Speaker 2: All of that's fine. Last minute she tells you you

706
00:31:44,520 --> 00:31:46,600
Speaker 2: need to organize some food for yourself to bring to

707
00:31:46,640 --> 00:31:47,200
Speaker 2: this party.

708
00:31:47,520 --> 00:31:48,160
Speaker 3: Not good enough.

709
00:31:48,480 --> 00:31:51,400
Speaker 2: I go, oh, that's just annoying, because like I'm the

710
00:31:51,440 --> 00:31:53,520
Speaker 2: type of person who'd want to prep something and chuck

711
00:31:53,560 --> 00:31:55,560
Speaker 2: it in the fridge the night before, or go to

712
00:31:55,600 --> 00:31:58,000
Speaker 2: the supermarket, or have a think about like, oh, I

713
00:31:58,040 --> 00:32:00,480
Speaker 2: really want to get this thing from Audi. Like to me,

714
00:32:01,000 --> 00:32:04,280
Speaker 2: going to somebody else's house and taking something requires a

715
00:32:04,320 --> 00:32:06,320
Speaker 2: bit more planning than just popping past calls on the

716
00:32:06,360 --> 00:32:08,880
Speaker 2: way there. I totally could pop class calls on the

717
00:32:08,920 --> 00:32:11,400
Speaker 2: way there and pick up a container of snags and

718
00:32:11,440 --> 00:32:14,160
Speaker 2: it should not be an issue because I was probably

719
00:32:14,160 --> 00:32:15,440
Speaker 2: going to make lunch at home anyway.

720
00:32:15,600 --> 00:32:15,800
Speaker 6: Right.

721
00:32:16,080 --> 00:32:19,920
Speaker 2: So that's the question. During a cost of living crisis,

722
00:32:20,000 --> 00:32:23,840
Speaker 2: can you at the last minute bring another budget thing

723
00:32:23,880 --> 00:32:26,240
Speaker 2: on somebody else and be like, oh, hey, that barbecue

724
00:32:26,240 --> 00:32:28,000
Speaker 2: I'm having today, you actually have to go buy some

725
00:32:28,040 --> 00:32:28,800
Speaker 2: more stuff for it.

726
00:32:29,360 --> 00:32:30,160
Speaker 3: Not last minute?

727
00:32:30,200 --> 00:32:32,959
Speaker 2: Not last minute? Not fair. I think that that, to

728
00:32:33,000 --> 00:32:36,480
Speaker 2: me is the question. The underlying issue here, to me,

729
00:32:36,720 --> 00:32:39,600
Speaker 2: is actually more about the person that's written in. I

730
00:32:39,720 --> 00:32:42,480
Speaker 2: want to know why you care so much about what

731
00:32:42,520 --> 00:32:44,920
Speaker 2: your friend is earning and what they're doing with their money.

732
00:32:45,480 --> 00:32:50,160
Speaker 2: Why are you guessing how much that combined household has

733
00:32:50,200 --> 00:32:54,640
Speaker 2: in income we know in today's world. And I wrote

734
00:32:54,680 --> 00:32:56,920
Speaker 2: an article in the Age and the City Morning Herald

735
00:32:56,960 --> 00:32:59,840
Speaker 2: a couple of weeks ago about this that the average

736
00:33:00,800 --> 00:33:04,360
Speaker 2: or the average couple purchasing a home now needs three

737
00:33:04,440 --> 00:33:07,680
Speaker 2: hundred thousand dollars worth of income to be really comfortable.

738
00:33:08,960 --> 00:33:11,360
Speaker 2: So we're not talking and I'm not saying that that's

739
00:33:11,400 --> 00:33:14,880
Speaker 2: normal by any stretch of the imagination. But here you

740
00:33:14,960 --> 00:33:17,080
Speaker 2: are going, Oh, well, her husband earns a good income

741
00:33:17,120 --> 00:33:20,120
Speaker 2: and she earns good money, and they should serve me.

742
00:33:20,440 --> 00:33:23,120
Speaker 2: She comes from a wealthy family. What's that got to

743
00:33:23,160 --> 00:33:26,200
Speaker 2: do with her catering your barbecue? She wanted to have

744
00:33:26,200 --> 00:33:28,760
Speaker 2: a social gathering because the end of the day. I

745
00:33:28,800 --> 00:33:30,640
Speaker 2: was at my house one day and I was like,

746
00:33:30,720 --> 00:33:34,440
Speaker 2: I'd love to have Beck over for dinner. That's the conversation,

747
00:33:34,680 --> 00:33:37,680
Speaker 2: not what my history is, what my background is, what

748
00:33:37,920 --> 00:33:40,960
Speaker 2: financial status I'm in. Because Beck, you could do the same.

749
00:33:41,000 --> 00:33:42,360
Speaker 2: You could be like, I want THEE and Jess to

750
00:33:42,400 --> 00:33:45,400
Speaker 2: come over for dinns. That'll be fun. Jess, I'll cook

751
00:33:45,720 --> 00:33:48,640
Speaker 2: the like, bring some booze. Don't worry if you then

752
00:33:48,680 --> 00:33:50,480
Speaker 2: sprung it on us. Oh, by the way, you're coming

753
00:33:50,480 --> 00:33:52,680
Speaker 2: over for dinner, could you bring the food as well?

754
00:33:52,720 --> 00:33:55,200
Speaker 2: I'd be like, rowd, I'm so excited for Beck's cooking

755
00:33:56,240 --> 00:33:59,520
Speaker 2: and everything to do with why you're thinking about that,

756
00:33:59,800 --> 00:34:01,720
Speaker 2: And I also look at it and go, should you

757
00:34:01,760 --> 00:34:04,440
Speaker 2: call anyone out for their stinginess? No, it's not your place.

758
00:34:05,040 --> 00:34:07,400
Speaker 2: We've talked about this on the podcast before. You don't

759
00:34:07,520 --> 00:34:10,879
Speaker 2: know what she's been through. You're assuming she's coming from

760
00:34:10,880 --> 00:34:13,600
Speaker 2: a very wealthy family. What if there's a lot of

761
00:34:13,640 --> 00:34:17,200
Speaker 2: financial abuse in that wealthy family where Jess, you know,

762
00:34:17,320 --> 00:34:19,759
Speaker 2: mum and dad are super wealthy, and they only give

763
00:34:19,840 --> 00:34:23,000
Speaker 2: Jess money if Jess does a certain thing or studies

764
00:34:23,040 --> 00:34:26,080
Speaker 2: something particular, or you know, is home by a certain

765
00:34:26,120 --> 00:34:29,480
Speaker 2: time every night, and money's really triggering for her because

766
00:34:29,520 --> 00:34:31,400
Speaker 2: at the end of the day, it's a way that

767
00:34:31,600 --> 00:34:32,960
Speaker 2: other people are controlling her.

768
00:34:33,160 --> 00:34:34,120
Speaker 4: Yeah.

769
00:34:33,440 --> 00:34:36,799
Speaker 2: Yeah, What if money is really really fickle and she's

770
00:34:36,800 --> 00:34:39,080
Speaker 2: being stingy because she's trying to live within her means,

771
00:34:39,080 --> 00:34:41,600
Speaker 2: because she never wants to rely on her family. These

772
00:34:41,600 --> 00:34:44,280
Speaker 2: are things that we're not thinking about when calling somebody

773
00:34:44,280 --> 00:34:46,839
Speaker 2: else out for being stingy. And if you're calling someone

774
00:34:46,840 --> 00:34:48,719
Speaker 2: out for being stingy and you don't know their whole

775
00:34:48,719 --> 00:34:51,640
Speaker 2: money story, you cannot say that there's got to be

776
00:34:51,680 --> 00:34:52,360
Speaker 2: more of a story.

777
00:34:52,400 --> 00:34:54,560
Speaker 3: I feel like you don't label someone stingy off of

778
00:34:54,600 --> 00:34:56,200
Speaker 3: the back of one or two things. So I feel

779
00:34:56,200 --> 00:34:59,400
Speaker 3: like we're missing a lot of context here that would.

780
00:34:59,160 --> 00:35:02,880
Speaker 2: Maybe calling people stingy. I just think it's so rude.

781
00:35:02,880 --> 00:35:05,640
Speaker 2: Like imagine if we called Beck stingy? Is she no?

782
00:35:06,000 --> 00:35:08,799
Speaker 2: You know what Beck is? She's super generous, she's good

783
00:35:08,800 --> 00:35:11,319
Speaker 2: at blowing all the cash, let's be honest. So is

784
00:35:11,320 --> 00:35:13,040
Speaker 2: she being stingy or did she just not have the

785
00:35:13,040 --> 00:35:14,239
Speaker 2: cash for that thing right now?

786
00:35:14,360 --> 00:35:14,600
Speaker 3: Yeah?

787
00:35:15,040 --> 00:35:17,239
Speaker 2: Totally, And it's not a stingy Beck.

788
00:35:17,320 --> 00:35:17,400
Speaker 1: No.

789
00:35:17,400 --> 00:35:19,399
Speaker 2: I wouldn't say that at all, Like out a fight

790
00:35:19,440 --> 00:35:21,360
Speaker 2: with her before recording, because she was like, oh, do

791
00:35:21,360 --> 00:35:22,400
Speaker 2: you want me to get to your coffee? And I

792
00:35:22,480 --> 00:35:24,000
Speaker 2: was like, I can get my own. She's like, why

793
00:35:24,000 --> 00:35:26,960
Speaker 2: do you always do this? Do you know what I mean? Like,

794
00:35:27,239 --> 00:35:30,560
Speaker 2: it's not the stinginess that's a problem, it's your perception

795
00:35:30,680 --> 00:35:33,479
Speaker 2: of it. And if you call somebody else stingy, you're

796
00:35:33,600 --> 00:35:37,080
Speaker 2: judging the way that they are acting with money. You

797
00:35:37,120 --> 00:35:38,600
Speaker 2: need to think more about yourself, bab.

798
00:35:38,680 --> 00:35:41,400
Speaker 3: Yeah, because the situation with that first question that you asked,

799
00:35:41,440 --> 00:35:43,560
Speaker 3: you know, is it okay to change the thing last minute?

800
00:35:43,719 --> 00:35:47,279
Speaker 3: Is an organizational thing. It's not that they're stingy. It's

801
00:35:47,280 --> 00:35:49,680
Speaker 3: that they've told you something last minute, yes, which is

802
00:35:49,719 --> 00:35:50,560
Speaker 3: a whole different thing.

803
00:35:50,800 --> 00:35:52,719
Speaker 2: Yeah, that is very true, and that I get with

804
00:35:52,840 --> 00:35:55,160
Speaker 2: thirty three. But she totally could have spent the one

805
00:35:55,280 --> 00:35:56,879
Speaker 2: hundred dollars and catered it better.

806
00:35:57,120 --> 00:35:58,279
Speaker 3: A lot of money.

807
00:35:58,440 --> 00:36:00,640
Speaker 2: Hundred dollars is a lot of money. So it's actually

808
00:36:00,640 --> 00:36:02,399
Speaker 2: not that much food at the supermarket these days.

809
00:36:02,440 --> 00:36:04,960
Speaker 3: Oh no, I said that on literally one bag of groceries.

810
00:36:05,040 --> 00:36:05,440
Speaker 3: Nearly died.

811
00:36:05,560 --> 00:36:09,480
Speaker 2: I'm so basic. Things not in my head. Me popping

812
00:36:09,520 --> 00:36:12,600
Speaker 2: to the supermarket is like a thirty dollars trip, right, totally,

813
00:36:12,640 --> 00:36:14,680
Speaker 2: Like if I haven't gotten in my head in my head,

814
00:36:14,880 --> 00:36:17,440
Speaker 2: we're not saying that's reality. And the other day I

815
00:36:17,480 --> 00:36:19,200
Speaker 2: was like looking at my receipt and I've gotten like

816
00:36:19,400 --> 00:36:22,120
Speaker 2: some stuff for dinner because somehow I'd eat all my

817
00:36:22,160 --> 00:36:23,680
Speaker 2: Marley spoons. And actually I had to go to the

818
00:36:23,719 --> 00:36:27,920
Speaker 2: shops myself, rude obviously got some little treaty treats. Myself

819
00:36:28,000 --> 00:36:30,680
Speaker 2: of course, picked up some cat and dog stuff. All fine,

820
00:36:31,040 --> 00:36:32,439
Speaker 2: what do you mean it's one hundred and twenty bucks

821
00:36:32,440 --> 00:36:35,920
Speaker 2: if there's only one bag of groceries here, sir? No, Like,

822
00:36:36,080 --> 00:36:40,759
Speaker 2: is this faulty machine? It wasn't everything's just getting so expensive?

823
00:36:40,840 --> 00:36:43,960
Speaker 2: So I don't know. I think this underlying idea that

824
00:36:44,000 --> 00:36:46,880
Speaker 2: you're going. Honestly, we're thirty three and she could have

825
00:36:46,920 --> 00:36:51,000
Speaker 2: easily spent one hundred dollars to cater that's your entitlement showing,

826
00:36:51,239 --> 00:36:52,160
Speaker 2: and I don't like it.

827
00:36:52,600 --> 00:36:53,839
Speaker 3: Yeah. What did everybody else say?

828
00:36:53,880 --> 00:36:54,000
Speaker 1: Though?

829
00:36:54,040 --> 00:36:56,359
Speaker 2: All right, so they're probably gonna be nice In the main.

830
00:36:57,800 --> 00:36:59,839
Speaker 2: We asked you a few questions. I'll get through those,

831
00:37:00,080 --> 00:37:02,680
Speaker 2: then i'll tell you what people said. First question we asked,

832
00:37:02,680 --> 00:37:04,600
Speaker 2: we said, do you think it's unreasonable for the birthday

833
00:37:04,600 --> 00:37:07,360
Speaker 2: girl to tell her friends to bring food to her party?

834
00:37:07,760 --> 00:37:10,560
Speaker 2: Sixty seven percent said yep, she should one hundred percent

835
00:37:10,600 --> 00:37:13,600
Speaker 2: supply more food, and thirty three percent said no, it's

836
00:37:13,600 --> 00:37:16,320
Speaker 2: actually really normal for people to be asked to bring food,

837
00:37:16,719 --> 00:37:20,279
Speaker 2: which I think is answering that initial question without yeah

838
00:37:20,440 --> 00:37:23,920
Speaker 2: the judgment. Question two, we said, if yes, and this

839
00:37:24,120 --> 00:37:26,200
Speaker 2: was your friend, would you call them out on it?

840
00:37:26,280 --> 00:37:28,839
Speaker 2: Thirty four percent said Yep, I would totally call them

841
00:37:28,840 --> 00:37:32,160
Speaker 2: out for being stingy rude. Sixty six percent of you though,

842
00:37:32,239 --> 00:37:34,719
Speaker 2: you're on our team. Nope, it's not my place to

843
00:37:34,719 --> 00:37:38,840
Speaker 2: say anything. Question three, we said, do you think just

844
00:37:38,880 --> 00:37:40,920
Speaker 2: because someone earns a good wage and is tight with

845
00:37:40,960 --> 00:37:44,520
Speaker 2: their money, they should be labeled as stingy. Fifty seven

846
00:37:44,560 --> 00:37:46,440
Speaker 2: percent of you said if they won't buy more than

847
00:37:46,440 --> 00:37:49,840
Speaker 2: twenty four sausages, then yes, forty three percent of you

848
00:37:49,880 --> 00:37:53,080
Speaker 2: said no, they might be saving for something. Yeah, yes,

849
00:37:53,320 --> 00:37:55,239
Speaker 2: I think is fair. And then we obviously said, guys,

850
00:37:55,239 --> 00:37:58,279
Speaker 2: what's your two cents? So here's the first comment. The

851
00:37:58,320 --> 00:38:00,440
Speaker 2: host should have asked everyone to bring a plate from

852
00:38:00,440 --> 00:38:02,560
Speaker 2: the very start. Wouldn't have been an issue if that

853
00:38:02,719 --> 00:38:05,279
Speaker 2: was the case. Someone else said, you should have been

854
00:38:05,280 --> 00:38:07,880
Speaker 2: really clear that it was bwayo food from the outset.

855
00:38:08,880 --> 00:38:11,200
Speaker 2: Someone said, in my friend's circle, we would always bring

856
00:38:11,200 --> 00:38:14,000
Speaker 2: a dish anyway. Some of us earn more money than others.

857
00:38:14,760 --> 00:38:17,080
Speaker 2: Someone said, I hate the idea that because you earn

858
00:38:17,320 --> 00:38:19,920
Speaker 2: good money, you should be paying for other people's things.

859
00:38:21,160 --> 00:38:24,480
Speaker 2: Totally agree. It's totally okay to ask people to be

860
00:38:24,600 --> 00:38:27,480
Speaker 2: bringing food, but kind of rude to be showing up

861
00:38:27,520 --> 00:38:32,360
Speaker 2: empty handed anyway, tbh. Jessica would never I kind of

862
00:38:32,360 --> 00:38:35,960
Speaker 2: agree with that. Jessica made the other day the best gingerbread.

863
00:38:36,000 --> 00:38:38,919
Speaker 2: Men like them? Yeah, it's like I liked the half

864
00:38:38,960 --> 00:38:41,640
Speaker 2: of one I got because Jess left me with some

865
00:38:41,719 --> 00:38:44,520
Speaker 2: of them. Obviously, my husband got to the before me,

866
00:38:44,640 --> 00:38:46,239
Speaker 2: and then I saw him walking down the hallway and

867
00:38:46,280 --> 00:38:48,320
Speaker 2: I'm like, what's that. He was like, it's a gingerbread

868
00:38:48,320 --> 00:38:51,000
Speaker 2: and I was like, that one was my one. He

869
00:38:51,080 --> 00:38:53,400
Speaker 2: was like, but you didn't need it yet, Like apparently

870
00:38:53,440 --> 00:38:57,200
Speaker 2: if it's just left out, it's fair game.

871
00:38:56,160 --> 00:38:57,080
Speaker 3: Everyone for themselves.

872
00:38:57,160 --> 00:39:00,000
Speaker 2: It was a full fight. So Jess got the top

873
00:39:00,080 --> 00:39:03,120
Speaker 2: with a Christmas tree. It I like, fool took it

874
00:39:03,120 --> 00:39:04,640
Speaker 2: off him and I was like, this is not yours.

875
00:39:04,680 --> 00:39:08,360
Speaker 2: I'll thank you, thank you, thank you. Someone said always

876
00:39:08,360 --> 00:39:11,600
Speaker 2: play broke can't buy wine or share, but can seem

877
00:39:11,640 --> 00:39:14,640
Speaker 2: to travel to Hawaii and Canada twice a year. I

878
00:39:14,680 --> 00:39:18,840
Speaker 2: think that they're talking about one of their friends, which okay,

879
00:39:19,120 --> 00:39:22,920
Speaker 2: So you're saying that your friend values travel over buying

880
00:39:23,000 --> 00:39:26,440
Speaker 2: wine and wants to split the cost of an uber

881
00:39:27,080 --> 00:39:31,000
Speaker 2: because you both incurred that cost they're allowed. Yeah, isn't

882
00:39:31,000 --> 00:39:34,479
Speaker 2: that wild? Anyway? Someone said, you guys could have gone

883
00:39:34,520 --> 00:39:36,839
Speaker 2: somewhere and not hosted twenty people. There were so many

884
00:39:36,880 --> 00:39:39,000
Speaker 2: other options. It's tree, you could have gone out. That's

885
00:39:39,040 --> 00:39:40,120
Speaker 2: more expensive, though.

886
00:39:40,320 --> 00:39:42,560
Speaker 4: It sometimes ends up being more expensive, and I.

887
00:39:42,480 --> 00:39:47,960
Speaker 2: Love a little at home little shindigla. Yeah. Someone said,

888
00:39:48,000 --> 00:39:50,040
Speaker 2: if you can't afford it, don't suggest it in the

889
00:39:50,040 --> 00:39:53,880
Speaker 2: first place. I think it should just be the expectation

890
00:39:53,960 --> 00:39:55,000
Speaker 2: that's set from the outset.

891
00:39:55,360 --> 00:39:57,400
Speaker 3: Yeah. I think it's if you don't want to pay

892
00:39:57,400 --> 00:39:59,359
Speaker 3: more than a certain amount. She just should have sent

893
00:39:59,400 --> 00:40:02,759
Speaker 3: the message that she sent when she first organized. Yeah, like, hey, guys,

894
00:40:02,800 --> 00:40:05,880
Speaker 3: I'm gonna have this many sausages and some nibbles and stuff.

895
00:40:05,880 --> 00:40:07,640
Speaker 3: If you want anything else, feel free.

896
00:40:07,520 --> 00:40:10,000
Speaker 2: To be Yoh. Someone said, a good wage doesn't mean

897
00:40:10,000 --> 00:40:12,520
Speaker 2: that they're not in debt. Debt is not visible. They

898
00:40:12,560 --> 00:40:15,200
Speaker 2: could be paying for something large, like medical bills or

899
00:40:15,200 --> 00:40:17,480
Speaker 2: some debt they got into when they were younger. Totally.

900
00:40:17,640 --> 00:40:20,000
Speaker 2: Someone else said, you don't actually know that you're making

901
00:40:20,000 --> 00:40:22,839
Speaker 2: a grand assumption. What if she had a pay cut

902
00:40:22,960 --> 00:40:25,919
Speaker 2: or there are some personal circumstances you weren't provy too. Yeah,

903
00:40:26,400 --> 00:40:28,359
Speaker 2: I think she would work out well on the she's

904
00:40:28,360 --> 00:40:29,000
Speaker 2: on the money team.

905
00:40:29,040 --> 00:40:31,439
Speaker 4: Yeah. I just want to quickly mention also, I forgot

906
00:40:31,480 --> 00:40:34,280
Speaker 4: about this, but nibbles. I literally spent one hundred pinbble.

907
00:40:35,160 --> 00:40:37,520
Speaker 4: You want a cheese platter, so nibbles can be I'll

908
00:40:37,520 --> 00:40:38,400
Speaker 4: put of one hundred.

909
00:40:38,200 --> 00:40:42,160
Speaker 3: Dollars depending on nibbles, could be like little kishas or

910
00:40:42,200 --> 00:40:44,840
Speaker 3: party pies or like something that if you have that

911
00:40:44,920 --> 00:40:47,439
Speaker 3: alongside your larger meal like box it out.

912
00:40:47,640 --> 00:40:49,800
Speaker 4: Yes, totally, I agree.

913
00:40:49,880 --> 00:40:53,279
Speaker 2: I've been trying to do like cheaper things. So the

914
00:40:53,320 --> 00:40:55,920
Speaker 2: other night when the girls came over, I didn't do

915
00:40:56,000 --> 00:40:58,640
Speaker 2: a big cheese platter because they are so expensive to

916
00:40:58,640 --> 00:41:01,960
Speaker 2: pull together. But I did do like, and I'm famous

917
00:41:01,960 --> 00:41:04,600
Speaker 2: for this, It's on Instagram if you want it, but

918
00:41:05,080 --> 00:41:08,799
Speaker 2: a baked bree because like it's quite hefty, but like,

919
00:41:08,920 --> 00:41:10,640
Speaker 2: at the same time, it's not just a bree and

920
00:41:10,719 --> 00:41:12,880
Speaker 2: six million crackers around it and then having to like

921
00:41:12,960 --> 00:41:15,680
Speaker 2: bulk it out. I baked one bree with like a

922
00:41:15,719 --> 00:41:19,400
Speaker 2: packet of Filo pastry around it, so it became like

923
00:41:19,440 --> 00:41:21,399
Speaker 2: the centerpiece of what we're having. And then we had

924
00:41:21,440 --> 00:41:23,520
Speaker 2: you know, some fresh baghette and like some dip and

925
00:41:23,560 --> 00:41:27,640
Speaker 2: some tomato stuff and it was really nice still, but honestly,

926
00:41:27,640 --> 00:41:30,160
Speaker 2: it was so much cheaper than going and like putting

927
00:41:30,200 --> 00:41:32,359
Speaker 2: together a cheese platter, because in my head, if I'm

928
00:41:32,360 --> 00:41:34,799
Speaker 2: putting together a cheese platter, well I'm going to need

929
00:41:34,880 --> 00:41:38,560
Speaker 2: a hard cheese. I'm going to a soft cheese like grape.

930
00:41:39,840 --> 00:41:41,440
Speaker 2: But you know what I mean, it like adds up

931
00:41:41,480 --> 00:41:43,840
Speaker 2: and all the like little things are expensive on that

932
00:41:43,880 --> 00:41:46,960
Speaker 2: platter totally, whereas like a beautiful little Bree and it

933
00:41:47,000 --> 00:41:48,719
Speaker 2: doesn't even have to be expensive because you gonna bake

934
00:41:48,760 --> 00:41:51,239
Speaker 2: it anyway. And then the feel it it worked out

935
00:41:51,280 --> 00:41:54,799
Speaker 2: so well was in our newsletter a couple of weeks ago.

936
00:41:56,200 --> 00:41:58,480
Speaker 2: We are not baking it. I don't know what salary

937
00:41:58,520 --> 00:42:00,200
Speaker 2: you've got to be able to bake your das and

938
00:42:01,560 --> 00:42:04,640
Speaker 2: that's not where Jess and I live. We can't, all right,

939
00:42:04,719 --> 00:42:07,600
Speaker 2: Two more one said and I liked this one because

940
00:42:07,600 --> 00:42:10,000
Speaker 2: they did make me laugh. Sounds like that person who

941
00:42:10,000 --> 00:42:13,080
Speaker 2: wrote into you guys is a judge e mc judge, judge.

942
00:42:13,400 --> 00:42:15,319
Speaker 2: I don't want a friend like that. And then they

943
00:42:15,320 --> 00:42:20,000
Speaker 2: did like four red flag emojis, and then someone else said, honestly,

944
00:42:20,080 --> 00:42:22,759
Speaker 2: it's just the last minuteness of it all. It's so

945
00:42:22,920 --> 00:42:26,720
Speaker 2: fine to ask if food can be provided, planning needs

946
00:42:26,760 --> 00:42:30,640
Speaker 2: to be requested ahead, so and then they said last

947
00:42:30,680 --> 00:42:33,279
Speaker 2: minute is quite rude. So I just agree with that.

948
00:42:33,320 --> 00:42:36,560
Speaker 2: I just think give people time. Yeah, I want to

949
00:42:36,600 --> 00:42:38,520
Speaker 2: make a bag to Bree and bring it, do I

950
00:42:38,600 --> 00:42:42,520
Speaker 2: can't do that in five minutes because I'm really like

951
00:42:42,800 --> 00:42:43,400
Speaker 2: slow cook.

952
00:42:45,400 --> 00:42:47,719
Speaker 4: But no, that's so true. I think general, I think

953
00:42:47,719 --> 00:42:48,200
Speaker 4: we're all on.

954
00:42:48,120 --> 00:42:51,239
Speaker 2: The same page. Yes, don't be judge. Everyone has a

955
00:42:51,239 --> 00:42:54,840
Speaker 2: different financial circumstance. And if you think someone is stingy,

956
00:42:55,120 --> 00:42:57,560
Speaker 2: have you actually thought about what their money story could

957
00:42:57,640 --> 00:43:01,240
Speaker 2: be to lead them to be like that? With myne me? Also,

958
00:43:01,840 --> 00:43:04,719
Speaker 2: what do you I have this genuine belief? Sorry, going

959
00:43:04,760 --> 00:43:08,439
Speaker 2: back on a thing again, you cannot tell someone something

960
00:43:08,440 --> 00:43:11,520
Speaker 2: about themselves that they cannot change in ten seconds. So

961
00:43:11,600 --> 00:43:13,200
Speaker 2: like Becca, I could be like, oh, there's something in

962
00:43:13,239 --> 00:43:15,040
Speaker 2: your teeth, or hey, can I grab something out of

963
00:43:15,040 --> 00:43:16,560
Speaker 2: your hair? Or oh, my gosh, did you realize your

964
00:43:16,600 --> 00:43:19,759
Speaker 2: jump us on backwards? Like things that you can immediately

965
00:43:19,840 --> 00:43:22,480
Speaker 2: change about yourself so you can go, oh, thanks, b

966
00:43:22,719 --> 00:43:24,120
Speaker 2: And obviously you're not going to say it in front

967
00:43:24,120 --> 00:43:25,480
Speaker 2: of a group of people. You'll be like, oh, Beck,

968
00:43:25,480 --> 00:43:27,399
Speaker 2: you jumpies on backwards and you go, oh my god,

969
00:43:27,440 --> 00:43:30,200
Speaker 2: of course it is. If you can't fix it in

970
00:43:30,239 --> 00:43:32,960
Speaker 2: ten seconds, you should not be pointing that out to

971
00:43:33,000 --> 00:43:36,360
Speaker 2: somebody else. You're going, oh, Jess, you're really stingy. Wait

972
00:43:36,400 --> 00:43:40,239
Speaker 2: what that's so rude? One out of ten one out

973
00:43:40,280 --> 00:43:41,719
Speaker 2: of ten, So let's leave it there for this week.

974
00:43:41,760 --> 00:43:42,600
Speaker 4: What do you reckon singing?

975
00:43:42,680 --> 00:43:42,960
Speaker 6: Sister?

976
00:43:43,080 --> 00:43:44,759
Speaker 2: Have a good weekend, my loves, and we will see

977
00:43:44,800 --> 00:43:47,560
Speaker 2: you bright and early for another money diary on Monday.

978
00:43:47,920 --> 00:43:49,120
Speaker 2: Bye guys, byee.

979
00:43:55,680 --> 00:43:58,200
Speaker 6: The advice sheared on Cheese on the Money is general

980
00:43:58,280 --> 00:44:02,239
Speaker 6: in nature and does not consider individual circumstances. She's on

981
00:44:02,280 --> 00:44:05,799
Speaker 6: the Money exists purely for educational purposes and should not

982
00:44:05,840 --> 00:44:08,840
Speaker 6: be relied upon to make an investment or financial decision.

983
00:44:09,200 --> 00:44:11,680
Speaker 6: If you do choose to buy a financial product, read

984
00:44:11,680 --> 00:44:15,840
Speaker 6: the PDS TMD and obtain appropriate financial advice tailored towards

985
00:44:15,840 --> 00:44:19,160
Speaker 6: your needs. Victoria Divine and She's on the Money are

986
00:44:19,200 --> 00:44:24,200
Speaker 6: authorized representatives of Money SHERPA pty Ltd ABN three two

987
00:44:24,239 --> 00:44:28,200
Speaker 6: one six four nine two seven seven zero eight AFSL

988
00:44:28,360 --> 00:44:32,240
Speaker 6: four five one two eight nine