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

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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.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 4: Hello, and welcome to She's on the Money, the podcast

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Speaker 4: for millennials who want financial freedom. Welcome back to another

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Speaker 4: shot back Money Diary Monday, where we chat to a

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Speaker 4: community member about them, their life, their story, their money

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Speaker 4: and all the interesting bits in between. And Victoria, are

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Speaker 4: you surprised to hear that I have a good ear?

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Speaker 5: No, absolutely not, But I cannot wait because I heard

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Speaker 5: I heard on the grapevine.

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Speaker 6: You're gonna love this show.

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Speaker 2: Yeah, that I heard on the.

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Speaker 5: Grape vine that this Money Diary is gonna send blow

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Speaker 5: deck vibes, and we all know how obsessed I am

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Speaker 5: with that show.

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Speaker 2: So I don't know if that's true or not, but

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Speaker 2: Anna Lisa let.

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Speaker 5: It slip before and I'm actually like, ooh, alrighty well,

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Speaker 5: let me tell you all about her.

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Speaker 4: So our diarist says. I'm currently thirty three living in

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Speaker 4: the Gold Coast, but grew up between South Africa, London

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Speaker 4: and California in a relationship, and I work as a

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Speaker 4: physio with a few twists along the way. Three years ago,

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Speaker 4: I took a leap of faith to quit my stable,

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Speaker 4: permanent government job working in Queensland Health to move to

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Speaker 4: on Tieps, France to be a yachty. The rest is history.

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Speaker 4: I had a great season on a beautiful eighty meter

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Speaker 4: motor yacht Milch around one hundred years ago, absolutely the

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Speaker 4: hardest job of my life, but some epic financial benefits

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Speaker 4: came alongside this. I returned home about eight months later

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Speaker 4: to head back into physiotherapy, happier than ever to be

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Speaker 4: in my regular job. Wouldn't take the experience or anything.

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Speaker 4: Now I know how to fold napkins and have some

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Speaker 4: fantastic bed making skills.

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Speaker 5: Oh my gosh, it does throw below deck vibes, you

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Speaker 5: love fun. Money Diarist, welcome to the show. I am

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Speaker 5: so excited to have you.

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Speaker 2: Thank you, thanks so much. Girls low key, how is

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Speaker 2: Auntie's cuse like? We're going here, You're gonna love it.

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Speaker 2: It's so stunning and it's such a fun area. Oh

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Speaker 2: my gosh, I have a good time.

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Speaker 5: I have some offline questions, but we really should get

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Speaker 5: into the money dory because I don't think anyone cares

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Speaker 5: about my travel plans.

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Speaker 2: All they care about is your money dory.

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Speaker 5: So let's jump straight into it with the first question,

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Speaker 5: which is always can.

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Speaker 6: You tell us a little bit about your money story.

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Speaker 2: Yeah, so I grew up in a single parent family,

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Speaker 2: so you know, we were always conscious of money. So

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Speaker 2: I think my whole life, I've just been you know,

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Speaker 2: a whare of my spending. I've always tried to save. Obviously,

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Speaker 2: going through UNI was really tough. I'm paying those fees.

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Speaker 2: I lived in Melbourne for those three years, so I think,

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Speaker 2: you know, I worked a ton outside of UNI, So

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Speaker 2: I think from you know, from the get going over

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Speaker 2: the last few years coming into physio, I don't know,

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Speaker 2: I feel like I just have always had a really

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Speaker 2: good saving mindset. But I've always, you know, worked really

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Speaker 2: hard to get where I am. Of course, how cool?

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Speaker 2: I love that?

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Speaker 5: All right?

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Speaker 2: Next question is.

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Speaker 6: What do you do for work and how much money

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Speaker 6: do you own?

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Speaker 2: So I am a physio. I'm a physiotherapist. I work

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Speaker 2: in Southeast Queensland slash Northern New South Wales. So I

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Speaker 2: have three jobs three three. I know it was four

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Speaker 2: last year, but I had to have down. So I

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Speaker 2: have one kind of full time job in aged care.

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Speaker 2: I locom so I do random shifts at one of

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Speaker 2: the local hospitals. And then I'm a sole trader in

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Speaker 2: the disability arena. So I have three and I make

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Speaker 2: about one hundred and forty thousand between those. Oh my gosh.

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Speaker 5: Cool we allowed to ask about an old job here, jess?

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Speaker 5: Or do you want me to wait till the end?

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Speaker 5: I commend to the end.

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Speaker 2: I really want to ask loud? Yes? Sorry? Sorry? Sorry?

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Speaker 2: All right? I want to know.

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Speaker 5: Next question, what is your big money goal. I think

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Speaker 5: it's more of a lifestyle goal for me. So I

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Speaker 5: just want to enjoy my life. I want to be

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Speaker 5: able to live comfortably. I want to be able to

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Speaker 5: have enough money to take you know, a good vacation

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Speaker 5: or to time off during the year to enjoy my life.

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Speaker 2: I don't want to be one of those people that

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Speaker 2: you know, waits until they're sixty five to be able

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Speaker 2: to take heaps of time off. So I think my money,

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Speaker 2: my financial goal is just being able to have enough

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Speaker 2: money to be comfortable in order to have the lifestyle

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Speaker 2: and the time off and the flexibility that I want,

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Speaker 2: but still able to comfortably manage my mortgage and those

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Speaker 2: you know, those yearly bills.

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Speaker 5: I love that. That's a good goal. How old do

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Speaker 5: you think you'll when you do want to retire?

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Speaker 2: I really love what I do, and I'm lucky that

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Speaker 2: it's a job that I can probably do until I retire.

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Speaker 2: There's so many different arenas of physio. I mean, earlier

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Speaker 2: the better, but I'm pretty happy working into my sixties.

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Speaker 2: But that is also being said, like, I want to

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Speaker 2: live a life where I can take time off every

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Speaker 2: single year, every few months. So I'd be happy to

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Speaker 2: work into my sixties. But if I could retire in

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Speaker 2: fifteen years, that would be great too. That would be

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Speaker 2: an absolute win.

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Speaker 6: That's the ultimate goal, right, Yeah.

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Speaker 2: But I love what I do, so I never dread

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Speaker 2: going to work. I'm very lucky in that sense that

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Speaker 2: I don't mind working a little bit longer if I can,

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Speaker 2: you enjoy myself along the way.

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Speaker 5: That's so epic. Next question, do you have any investments.

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Speaker 5: If so, what are they.

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Speaker 2: My partner and I have invested money in crypto. I

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Speaker 2: would like to expand that a little bit more into

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Speaker 2: other things, maybe the stock market or things like that,

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Speaker 2: but one thing at a time. I need to learn

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Speaker 2: a little bit more about that and how to go

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Speaker 2: about it and the ups and the downs. But yeah,

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Speaker 2: right now, just cryptocurrency.

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Speaker 6: How did you peak crypto?

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Speaker 2: My partner's idea seems to be the way. Yeah, but

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Speaker 2: I'm pretty happy with the decision. It was a mutual decision.

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Speaker 2: You know, we're in a position where we have a

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Speaker 2: little bit of disposable income, so if we lose it all,

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Speaker 2: you know, it's not the end of the world. If

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Speaker 2: something comes from it, fantastic. You know. We live within

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Speaker 2: our means and we don't put in to crypto what

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Speaker 2: we aren't willing to lose. So you know, see how

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Speaker 2: things go in the next few years. Good time to

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Speaker 2: buy hippeak.

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Speaker 6: Next question is do you have any dates?

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Speaker 2: Yes, I owe a few thousand dollars for we just

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Speaker 2: were renovating. I have seven grand left to pay for

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Speaker 2: my Ikia kitchen. Exciting. Yes, yeah, that's zero percent interest

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Speaker 2: for the first year, so I'm happy just to pay

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Speaker 2: it off little by little in the next year. But yeah,

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Speaker 2: that's it, just the just the kitchen. How good?

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Speaker 4: And a mortgage as well?

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Speaker 2: Did you say the more? I was about to say,

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Speaker 2: how good?

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Speaker 6: And what's the debt on the property you're renovating.

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Speaker 2: Yeah, luckily not too much more than we would have

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Speaker 2: liked to have spend. But that's just the market at

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Speaker 2: this point. But yeah, we were very lucky finding the

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Speaker 2: place that we live where we live. Yeah, we were

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Speaker 2: happy with the price considering the market. So yeah, epic.

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Speaker 5: And does your partner have any debt or is it

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Speaker 5: just the kitchen and the mortgage between the two of you?

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Speaker 2: Yeah, just that airpic all right.

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Speaker 6: Next question is do you shot back?

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Speaker 2: Is that like the where you go to a shop,

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Speaker 2: Like you go to a shop and you kind of

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Speaker 2: put it on credit and then you can pay it back.

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Speaker 5: We're about to blow your mind absolutely, Okay, Jess, what's

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Speaker 5: shot back?

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Speaker 4: So shot back is a plug in. They also have

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Speaker 4: an app. It's a cash back site, so when you

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Speaker 4: shop online and sometimes in store as well, you essentially

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Speaker 4: get cash back on the purchases you make. So they

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Speaker 4: get essentially what you could look at as a commission

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Speaker 4: from the platform for sending you there, and then they

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Speaker 4: share that with you.

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Speaker 2: So it's a really good way if you.

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Speaker 4: Are an online shopping to make a little bit of

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Speaker 4: extra money back.

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Speaker 2: Oh no, I don't. I don't do a lot of

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Speaker 2: online shopping, so I don't know if that's worth it

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Speaker 2: for me. I don't know something i'd not heard about.

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Speaker 2: So there you are right now, you know. Yeah, we'll

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Speaker 2: look into him more, you know, all right?

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Speaker 6: Next question is what is your best money habit?

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Speaker 2: M best money habit is also probably tied to my

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Speaker 2: worst money habit. I think my best money habit is

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Speaker 2: I just enjoy my life. You know. I save enough

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Speaker 2: to be able to go on holidays, go out for drinks,

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Speaker 2: go for dinner with friends, like, I'm not too stressed.

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Speaker 2: I think I have a really good balance. You know,

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Speaker 2: I have enough in my savings and I make enough

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Speaker 2: luckily that I can really enjoy my life and I

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Speaker 2: don't miss out on things because I have a savings

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Speaker 2: to pay for that, so on a whay am, I'm

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Speaker 2: able to go on a little holiday or a girl's

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Speaker 2: week and away. So I think that money habit of

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Speaker 2: just having money there all the time and being able

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Speaker 2: to enjoy it, enjoy my life, I think is a

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Speaker 2: really good habit. So just savings and making sure that

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Speaker 2: I enjoy my heart spend money.

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Speaker 5: Now, tell us how does it link to your worst

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Speaker 5: money habit? What is that I probably spend a little

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Speaker 5: bit too much on takeaway and dinners.

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Speaker 2: I think I could probably pull back on some of

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Speaker 2: that disposable spending of drinks and eating out. So something

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Speaker 2: that I can easily pull back on, and that's something that, Yeah,

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Speaker 2: it could definitely work on some of those social activities

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Speaker 2: or just takeaway things like that could improve a little.

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Speaker 2: But I do enjoy my life and at this point,

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Speaker 2: twenty bucks here and there and takeaway is not the

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Speaker 2: end of the world.

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Speaker 4: It's finding the balance, right, like the things that you enjoy,

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Speaker 4: the goals that you have, and if it's within your means,

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Speaker 4: it's definitely not the worst thing.

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Speaker 2: Yeah, exactly, all right.

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Speaker 5: The last question in the structured questions that we always

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Speaker 5: ask money diarists is what grade would you give yourself

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Speaker 5: if we forced you to give yourself a grade?

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Speaker 2: Is that like out of five stars?

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Speaker 5: It could be five stars, it could be ABCDFG, it

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Speaker 5: could be anything.

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Speaker 2: Probably probably at this point four stars. I've been really

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Speaker 2: good this last few years about saving. We knew we

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Speaker 2: wanted to buy a house, we knew you were probably

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Speaker 2: gonna have to renovate. So I think my saving has

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Speaker 2: really gotten quite good. But I think I could still improve,

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Speaker 2: like learning a little bit more about financial literacy, investments, Yeah,

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Speaker 2: just those little things that are kind of the next

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Speaker 2: level of financial literacy I think I could improve on.

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Speaker 2: So yeah, I've had a really good few years, thankfully,

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Speaker 2: but yeah, I just kind of want to take it

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Speaker 2: to the next level in the next year or two.

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Speaker 2: How good?

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Speaker 5: All right, Well, I cannot wait to get into boat chat,

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Speaker 5: and we will do that after this really quick break.

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Speaker 2: We are back money diarist.

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Speaker 5: I need to know, Jess said, I had to wait

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Speaker 5: until this segment of the show to ask you, can

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Speaker 5: you tell us about being a yochtie, like how much

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Speaker 5: do you earn?

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Speaker 2: How much do you actually have to spend? And what's

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Speaker 2: it like? It was the hardest job of my entire life.

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Speaker 2: I definitely earned every single penny on the job. So

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Speaker 2: I worked on an eighty foot boat. She was about

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Speaker 2: one hundred years old. She was actually a warship. She

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Speaker 2: was a hospital at one point. What. Yeah, it was

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Speaker 2: really an old historical boat. And it was awesome because

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Speaker 2: you could see like old photos of it. It used

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Speaker 2: to be a gunship, so old photos of it in

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Speaker 2: the war, and with all the old navy guys and

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Speaker 2: stuff on, like old photos on the wolf, that was amazing.

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Speaker 2: It is owned by like a quite wealthy British Italian

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Speaker 2: family and yeah, they were really great. We had fantastic guests,

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Speaker 2: we had fantastic owners. But it was really tough. You'd

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Speaker 2: be doing. I mean technically you got an eight hour break,

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Speaker 2: but you probably got about six hours of sleep some nights,

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Speaker 2: most nights, i'd say, and you would do like you

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Speaker 2: would rotate between laundry, housekeeping service. It was amazing, but

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Speaker 2: absolutely have never worked so hard in my entire life,

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Speaker 2: scrub toilets, making beds, detailing, vacuum cleaners. We were based

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Speaker 2: out of the Mediterranean, so that was amazing. Yeah, it

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Speaker 2: was an amazing season, but made me very thankful for

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Speaker 2: my physio job. Oh my gosh, how much did you

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Speaker 2: earn doing that? I was a green stew so it

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Speaker 2: was my very first yachting job, my first and last.

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Speaker 2: I'm trying to remember what I earned. It wasn't very much.

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Speaker 2: I think I was on about twelve hundred euros a month.

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Speaker 2: Oh that's not that much, isn't. No, we were technically

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Speaker 2: not a charter boat. So if you say, work on

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Speaker 2: a charter boat where they're renting it out to new

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Speaker 2: guests every week or every fortnight, you're going to make

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Speaker 2: a ton of money and tips. That's where a lot

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Speaker 2: of the money is.

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Speaker 4: That's what I was going to ask.

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Speaker 5: I'm thinking, this is going to be like below deck

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Speaker 5: and then every week you go down below deck and

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Speaker 5: you count you tips.

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Speaker 2: Yeah. No, it's like that on a lot of the

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Speaker 2: other boats. But because we were a private boat, we

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Speaker 2: got a little bit of tips, but it was more.

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Speaker 2: We got to go hiking with the families, We got

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Speaker 2: to go to dinner with the families. You got to

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Speaker 2: go like tubing and swinging from like the boat swings,

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Speaker 2: and it was a really like boat to work on.

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Speaker 5: Enjoy being there instead of being like yeah all the time,

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Speaker 5: I mean, yeah, doing that and getting to hang out

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Speaker 5: with a billion dollar family, that's pretty good.

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Speaker 2: Yeah. What's the worst?

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Speaker 5: Yeah, get literally getting paid to hang out with billionaires

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Speaker 5: like that's her job.

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Speaker 2: Yess. Well, we definitely had to clean their toilets and stuff,

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Speaker 2: so kept you humble. Yeah, but it was great. But

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Speaker 2: you know, you didn't have to pay for rent. You'd

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Speaker 2: never had to pay for food. You always had Seven

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Speaker 2: Star food leftovers that you could always eat. Oh my gosh,

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Speaker 2: how cool. Yeah, so it was amazing. Would probably have

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Speaker 2: continued to do it had my personal situation at home

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Speaker 2: been a little bit different, I probably would have done

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Speaker 2: another season or two and gone to maybe a charter

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Speaker 2: boat where you can make more money. But you know

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Speaker 2: some of my friends, they are making thousands of dollars

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Speaker 2: of tips in a fortnight.

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Speaker 6: Wow, had a fine today's job.

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Speaker 4: Because I'm sure there's probably some people listening, going, I

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Speaker 4: can do I want to do that? Yeah, yeah, what

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Speaker 4: I did.

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Speaker 2: I'm really lucky I had a British passport or have

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Speaker 2: a British passport, so it was quite easy for me.

305
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Speaker 2: I didn't have to worry about the visa side of things.

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Speaker 2: But you do have to get a work visa for

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Speaker 2: wherever you want to get a boat, whether America can

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Speaker 2: be a little bit tougher to do that. So I

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Speaker 2: started in the Mediterranean, so I just went to France.

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Speaker 2: I did my training over there. You have to do

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Speaker 2: like a week long like fire rescue basic safety skills course,

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Speaker 2: and I actually met a beautiful chief stewardess. She was

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Speaker 2: renewing her training and that was my first training, so

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Speaker 2: we actually met and bonded and she got me a

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Speaker 2: job on her boat. So that was really very very

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Speaker 2: lucky for me. But I think what most people do

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Speaker 2: is they would go over there, and I actually did

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Speaker 2: interview for other jobs. You basically walk the door, so

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Speaker 2: you take your CV with you and you go to

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Speaker 2: where all these boats are parked. You might have to

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Speaker 2: talk your way in or sneak your way into some

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Speaker 2: of the locked ones jeky, and you literally just go

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Speaker 2: knocking boat to boat, You ring bells, you knock on

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Speaker 2: the doors, and you say hi, can I speak to

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Speaker 2: sow and Sew the chief stewardess or chief deck and yeah,

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Speaker 2: say hey, I'm looking for a job. Do you guys

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Speaker 2: have any stewardess jobs available? So that was yeah, also

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Speaker 2: very humbling.

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Speaker 6: Yeah, you have to really hustle up a job, don't you.

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Speaker 2: Yeah, you definitely have to work for it. There are

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Speaker 2: also other like job agency like yachting agencies that you

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Speaker 2: can sign up for, but as a Green stewardess, there's

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Speaker 2: not that many jobs that I was offered through there.

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Speaker 2: It was more you have to like just meet people.

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Speaker 2: It's all about who you know.

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Speaker 6: Yeah, so you ended up lucking out and finding a

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Speaker 6: boat with an.

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Speaker 2: H Yeah, it was amazing.

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Speaker 5: Are you still in contact with the family, Like, do

340
00:16:02,720 --> 00:16:04,760
Speaker 5: you contact them? Like you spend so much time with

341
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Speaker 5: them if you're going hiking and hanging out with them,

342
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Speaker 5: is that an ongoing relationship or is it like Noah,

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Speaker 5: it was just fleeting.

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Speaker 2: I was only there for a season, so I didn't

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Speaker 2: spend you know, I was only there for six months,

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Speaker 2: so I don't personally, but I know a lot of

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Speaker 2: the staff who were there, Like some of the people

348
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Speaker 2: on the boat had been there twenty years. Oh my god,

349
00:16:24,640 --> 00:16:27,680
Speaker 2: that family was like family to them. So yeah, a

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Speaker 2: lot of the people on the boat, I think, do

351
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Speaker 2: keep in contact with some of them. That's so sweet. Yeah,

352
00:16:32,440 --> 00:16:35,360
Speaker 2: you're still their employee, so you have to tread carefully

353
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Speaker 2: in those kind of scenarios.

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Speaker 5: Yeah, of course, of course was that ever Really, I

355
00:16:40,440 --> 00:16:41,320
Speaker 5: guess hard.

356
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Speaker 6: To manage being so on all the time.

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Speaker 5: Like, one of the things that I really value, love you, Jess,

358
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Speaker 5: is being able to go home and just like curl

359
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Speaker 5: up in my bed and ignore absolutely everyone. You then

360
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Speaker 5: having to like share rooms and like be with your

361
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Speaker 5: co workers twenty four seven, Like, how did you distance yourself?

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Speaker 2: You live in each other's pockets. I was in a

363
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Speaker 2: like a three bed little dorm room, and I kid

364
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Speaker 2: you not. There was one single bed and like a

365
00:17:09,040 --> 00:17:11,880
Speaker 2: bunk bed, two little bunk beds. I think we had

366
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Speaker 2: like a foot and a half of space between the beds.

367
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Speaker 2: We had a tiny room, but we did ever own bathroom.

368
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Speaker 2: I was very lucky. I adored the people that I

369
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Speaker 2: shared a room with. But yeah, you live in each

370
00:17:23,400 --> 00:17:26,160
Speaker 2: other's pockets. They will rotate your break so some people

371
00:17:26,240 --> 00:17:28,960
Speaker 2: will break from eleven to two, some people break from

372
00:17:28,960 --> 00:17:31,080
Speaker 2: two to four, and so on, so you do get

373
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Speaker 2: a few hours of alone time. But yeah, you definitely

374
00:17:34,320 --> 00:17:37,600
Speaker 2: want to value those that you work with. Yeah, everyone

375
00:17:37,680 --> 00:17:39,480
Speaker 2: really got along on our boat. It was a lot

376
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Speaker 2: of family and a lot of couples, on the boat.

377
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Speaker 2: So yeah, very very lucky to have had a very

378
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Speaker 2: good crew. There's always little nitpicky things, and people get

379
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Speaker 2: tired and you get a little bit short of people.

380
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Speaker 2: But at the end of the day, you know that like, Okay,

381
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Speaker 2: well I'm spending the next six months with these people,

382
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Speaker 2: like in a teeny tiny boat, so we better kind

383
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Speaker 2: of any issues. I think being on all the time

384
00:18:04,000 --> 00:18:07,760
Speaker 2: was tough, but I really liked to do the laundry

385
00:18:07,840 --> 00:18:09,679
Speaker 2: and the ironing. So you can kind of tuck yourself

386
00:18:09,720 --> 00:18:12,760
Speaker 2: away in the laundry room, play your music, and you

387
00:18:12,760 --> 00:18:14,639
Speaker 2: could just kind of like hang up by yourself and

388
00:18:14,680 --> 00:18:17,760
Speaker 2: do laundry and clean for you know, eight hours at

389
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Speaker 2: a time. So that was a really nice shift to

390
00:18:19,440 --> 00:18:22,399
Speaker 2: do because you didn't have to like on have a

391
00:18:22,440 --> 00:18:25,840
Speaker 2: smiley hair perfectly done the whole time. You could just

392
00:18:25,920 --> 00:18:28,600
Speaker 2: kind of like relax and get into the groove of things,

393
00:18:28,880 --> 00:18:31,600
Speaker 2: where say, if you were doing service that day, you

394
00:18:31,640 --> 00:18:32,560
Speaker 2: would have to like.

395
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Speaker 4: Really be honn did you ever get to swap your

396
00:18:35,200 --> 00:18:37,200
Speaker 4: like if you were rusted on service and someone else

397
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Speaker 4: was on laundry, were you allowed to be like, hey,

398
00:18:39,400 --> 00:18:41,399
Speaker 4: like can I have your I'll do your laundry? If

399
00:18:41,440 --> 00:18:42,119
Speaker 4: you do my service.

400
00:18:42,480 --> 00:18:44,879
Speaker 2: You could kind of tell the chief stews like, oh,

401
00:18:44,960 --> 00:18:47,520
Speaker 2: I don't really want to do service, like I'd prefer

402
00:18:47,560 --> 00:18:50,840
Speaker 2: to do laundry. We had a girl who was one

403
00:18:50,880 --> 00:18:54,000
Speaker 2: of the other stews. She loved doing service, so that

404
00:18:54,119 --> 00:18:56,440
Speaker 2: was really good. I had had a lot of hospitality

405
00:18:56,520 --> 00:18:59,439
Speaker 2: jobs before being a stewardess, so I was very happy

406
00:18:59,480 --> 00:19:01,280
Speaker 2: just to do house keeping the laundry where she really

407
00:19:01,320 --> 00:19:03,920
Speaker 2: wanted to do service. So just yeah, the chiefs sus

408
00:19:03,960 --> 00:19:06,560
Speaker 2: would kind of figure who was better at this, what

409
00:19:06,640 --> 00:19:11,399
Speaker 2: their strengths and weaknesses were, and kind of allocate accordingly. Yeah,

410
00:19:11,440 --> 00:19:13,960
Speaker 2: how cool. Yeah, it was awesome.

411
00:19:14,080 --> 00:19:16,120
Speaker 6: So I tell us about the nitty gritty. Did they

412
00:19:16,160 --> 00:19:17,359
Speaker 6: tip you when you left?

413
00:19:17,760 --> 00:19:19,200
Speaker 2: You do get a tip at the end of season,

414
00:19:19,280 --> 00:19:22,520
Speaker 2: so it was nice. We had a few little guests

415
00:19:22,560 --> 00:19:25,040
Speaker 2: here and there. It was more friends of the owners,

416
00:19:25,400 --> 00:19:28,800
Speaker 2: and they would tip you on our boat, not that much,

417
00:19:29,200 --> 00:19:32,280
Speaker 2: a few hundred bucks each at the end of the season.

418
00:19:32,480 --> 00:19:34,760
Speaker 2: It's kind of an incentive to stay on that one

419
00:19:34,840 --> 00:19:37,480
Speaker 2: boat the whole season. So for your bigger tip, you

420
00:19:37,560 --> 00:19:39,240
Speaker 2: have to wait till the very end of the season

421
00:19:39,440 --> 00:19:41,639
Speaker 2: and then you get tipped. I think I got a

422
00:19:41,640 --> 00:19:44,760
Speaker 2: few thousand dollars, maybe three thousand dollars at the end

423
00:19:44,800 --> 00:19:48,600
Speaker 2: of that. Thank you, We'll take that. Yeah, I was

424
00:19:48,640 --> 00:19:51,560
Speaker 2: happy with that. I mean, no complaints. Granted, I was

425
00:19:51,600 --> 00:19:55,080
Speaker 2: definitely you know, I was on a lower earning boat

426
00:19:55,320 --> 00:19:58,640
Speaker 2: because one I was agreen stew two I wasn't too

427
00:19:58,640 --> 00:20:02,439
Speaker 2: picky about my mind, just wanted for the experience. And

428
00:20:02,560 --> 00:20:04,679
Speaker 2: three we weren't a charter boat, so we had the

429
00:20:04,720 --> 00:20:07,800
Speaker 2: owners on board most of the time. If you do

430
00:20:07,960 --> 00:20:10,920
Speaker 2: work on a charter boat, you'll earn literally like six

431
00:20:10,960 --> 00:20:13,760
Speaker 2: times the amount. Wow. So it's really you know, if

432
00:20:13,800 --> 00:20:17,199
Speaker 2: you're in it to make make kind of money and

433
00:20:17,280 --> 00:20:21,160
Speaker 2: make bank, which you absolutely can work on a charter boat,

434
00:20:21,160 --> 00:20:23,520
Speaker 2: you're gonna I don't know how you would work Tripoli

435
00:20:23,640 --> 00:20:27,439
Speaker 2: as hard, but you do, you really, really really you

436
00:20:27,520 --> 00:20:30,760
Speaker 2: earn every single penny that you make. It's really tough.

437
00:20:31,400 --> 00:20:33,639
Speaker 5: I have to ask, though, I didn't grow up in

438
00:20:33,640 --> 00:20:38,720
Speaker 5: a family with a yacht. Yes, no, definitely men as

439
00:20:38,800 --> 00:20:42,159
Speaker 5: peasants over here. A season? What does that mean? So

440
00:20:42,320 --> 00:20:45,919
Speaker 5: is that like a family goes and like spends a

441
00:20:46,080 --> 00:20:48,159
Speaker 5: season on the boat like or is it like a

442
00:20:48,160 --> 00:20:49,879
Speaker 5: week or is it a month? Is it like an

443
00:20:50,040 --> 00:20:52,240
Speaker 5: entire year, like, how does it work? Do these people

444
00:20:52,320 --> 00:20:56,200
Speaker 5: just go stay on this super yacht yea summer yep yep.

445
00:20:56,840 --> 00:21:00,800
Speaker 2: So generally, I mean not that I'm like, yeah, a

446
00:21:00,880 --> 00:21:04,280
Speaker 2: nodle about this, but you would generally have your like

447
00:21:04,320 --> 00:21:07,080
Speaker 2: your Mediterranean season and that may be from you know,

448
00:21:07,240 --> 00:21:12,000
Speaker 2: May until October, and you would generally be around, you know,

449
00:21:12,080 --> 00:21:16,800
Speaker 2: around Europe, so whether that be like Croatia or you know, France,

450
00:21:16,920 --> 00:21:20,120
Speaker 2: Italy that area for their summer, and then you would

451
00:21:20,160 --> 00:21:23,400
Speaker 2: generally the flip side of the year, you would be

452
00:21:23,920 --> 00:21:26,800
Speaker 2: most of the boats would generally be around Florida and

453
00:21:26,840 --> 00:21:29,640
Speaker 2: the Bahamas, so you would do like a US season.

454
00:21:29,920 --> 00:21:32,720
Speaker 2: So in between, like the boat is going to be

455
00:21:33,840 --> 00:21:36,800
Speaker 2: on the dock getting fixed or any little you know,

456
00:21:36,880 --> 00:21:39,960
Speaker 2: things that need to be upgraded. Our main dock was

457
00:21:40,000 --> 00:21:43,960
Speaker 2: in Barcelona, so we were you know, renovating the boat

458
00:21:43,960 --> 00:21:46,280
Speaker 2: and tidying things up for the first few months of

459
00:21:46,280 --> 00:21:48,280
Speaker 2: my season. But you know, some of the boats that

460
00:21:48,320 --> 00:21:50,640
Speaker 2: they might be like an adventure boat and they may

461
00:21:50,680 --> 00:21:54,120
Speaker 2: go to like Iceland, or they may go South Africa.

462
00:21:54,200 --> 00:21:55,840
Speaker 2: It really depends on the boat you're on. But I

463
00:21:55,840 --> 00:21:59,080
Speaker 2: would say the large majority they would have a Mediterranean

464
00:21:59,119 --> 00:22:02,480
Speaker 2: season for the Yearuropean summer, and then the flip side

465
00:22:02,520 --> 00:22:05,520
Speaker 2: of the year, they would be around Florida and the Bahamas.

466
00:22:05,160 --> 00:22:07,600
Speaker 6: And these families just stay on the boat year round.

467
00:22:07,760 --> 00:22:12,960
Speaker 2: Is that so? Yeah, we had maybe four or five

468
00:22:13,160 --> 00:22:16,600
Speaker 2: primary guests, like primary flicks, there was all one family,

469
00:22:16,680 --> 00:22:18,480
Speaker 2: but they kind of used it like a time share.

470
00:22:18,960 --> 00:22:21,320
Speaker 2: So one of the siblings and her family and her guests.

471
00:22:21,320 --> 00:22:23,640
Speaker 2: They would maybe come on for three weeks and then

472
00:22:23,680 --> 00:22:25,439
Speaker 2: you might get like a week off. You'd have to

473
00:22:25,440 --> 00:22:28,720
Speaker 2: flip the boat. You'd have to clear out everything to

474
00:22:28,800 --> 00:22:31,840
Speaker 2: a deep, clean, big detail of the whole boat, and

475
00:22:31,880 --> 00:22:34,119
Speaker 2: then you might have like another extension of the family.

476
00:22:34,119 --> 00:22:36,600
Speaker 2: You may have the other brother, his family and all

477
00:22:36,640 --> 00:22:38,959
Speaker 2: their guests. They'll come on for a week and a half.

478
00:22:39,160 --> 00:22:41,879
Speaker 2: Then you'd have to flip the boat detail it have

479
00:22:41,960 --> 00:22:44,320
Speaker 2: two weeks off to do that, and then you may

480
00:22:44,359 --> 00:22:46,480
Speaker 2: have like the other extension of the family or like

481
00:22:46,560 --> 00:22:48,800
Speaker 2: and their guests. So you caught. You know, you might

482
00:22:48,880 --> 00:22:51,640
Speaker 2: have a few weeks for one section of the family

483
00:22:51,960 --> 00:22:54,640
Speaker 2: and then you know different guests. It's nice you get

484
00:22:54,640 --> 00:22:57,800
Speaker 2: a variety of people, but it's very long to have

485
00:22:58,359 --> 00:23:01,240
Speaker 2: the boss on board for several weeks time that would

486
00:23:01,240 --> 00:23:05,080
Speaker 2: be so challenging. You're going at one hundred percent, one

487
00:23:05,119 --> 00:23:07,960
Speaker 2: hundred miles an hour for weeks on end. Yeah, just

488
00:23:08,000 --> 00:23:09,439
Speaker 2: to impress them. Oh my gosh.

489
00:23:09,480 --> 00:23:12,280
Speaker 4: Also flipping it entire like resetting an entire boat, every

490
00:23:13,280 --> 00:23:16,520
Speaker 4: fire boat. It's giving me really strong flashbacks, like when

491
00:23:16,600 --> 00:23:18,280
Speaker 4: my mum would have people come over to the house

492
00:23:18,280 --> 00:23:21,359
Speaker 4: and she'd be like, we musculan everything, and you're like

493
00:23:21,400 --> 00:23:25,080
Speaker 4: shoving things into cupboards, and but you guys are doing it.

494
00:23:25,000 --> 00:23:26,639
Speaker 6: On like another whole level.

495
00:23:27,880 --> 00:23:31,119
Speaker 2: Literally right, No shoving things into cupboards on the super yocht. No,

496
00:23:31,320 --> 00:23:34,240
Speaker 2: you're detailing the cupboards and you're folding every single you

497
00:23:34,320 --> 00:23:36,840
Speaker 2: have to like fold and color coordinate all the rags.

498
00:23:37,400 --> 00:23:41,239
Speaker 2: Everything was clean with like Q tips. What clean with

499
00:23:41,320 --> 00:23:43,840
Speaker 2: Q tips? Not just your years. I'm going to get now,

500
00:23:44,240 --> 00:23:45,639
Speaker 2: I'm going to get slammed for that.

501
00:23:45,800 --> 00:23:48,160
Speaker 5: Obviously, you should put Q tips in your ears. Children

502
00:23:48,240 --> 00:23:50,600
Speaker 5: don't do that. But oh my gosh, that is wild.

503
00:23:51,000 --> 00:23:53,640
Speaker 5: It's interesting to ask pervy questions about how the other

504
00:23:53,680 --> 00:23:55,560
Speaker 5: half live because it's just.

505
00:23:55,520 --> 00:23:56,840
Speaker 2: So foreign to me.

506
00:23:57,160 --> 00:23:59,679
Speaker 5: Yeah, let me tell ya, Like, I've into France, I've

507
00:23:59,720 --> 00:24:02,600
Speaker 5: into the south of France. I'm very very lucky and

508
00:24:02,680 --> 00:24:05,959
Speaker 5: grateful for that experience. But yeah, I stayed in hostels,

509
00:24:06,359 --> 00:24:08,560
Speaker 5: So when you said bunk beds, I was like, yeah,

510
00:24:08,600 --> 00:24:09,439
Speaker 5: I get vug beds.

511
00:24:10,000 --> 00:24:12,639
Speaker 2: Yeah, we get vung beds. Yeah. It was nice because

512
00:24:12,680 --> 00:24:16,000
Speaker 2: like we had to try out some of the beds

513
00:24:16,040 --> 00:24:19,680
Speaker 2: and make sure. You know, before the season like officially started,

514
00:24:19,720 --> 00:24:22,240
Speaker 2: we had detailed everything and we had to make sure

515
00:24:22,240 --> 00:24:25,200
Speaker 2: that everything flowed perfectly in the rooms. So our chiefs

516
00:24:25,200 --> 00:24:26,560
Speaker 2: do it that. Okay, everyone pick a room. You have

517
00:24:26,640 --> 00:24:28,360
Speaker 2: to spend a night or two in there. Make sure

518
00:24:28,400 --> 00:24:30,720
Speaker 2: the air con works, make sure the TVs work, make

519
00:24:30,720 --> 00:24:33,680
Speaker 2: sure the music works, make sure the beds are comfortable,

520
00:24:33,720 --> 00:24:36,320
Speaker 2: everything's clean. So you kind of got forty eight hour

521
00:24:36,880 --> 00:24:41,400
Speaker 2: luxurious experience sleeping in the guest cabins. Don't mind if

522
00:24:41,440 --> 00:24:43,720
Speaker 2: I do back to bunk beds after that.

523
00:24:43,960 --> 00:24:47,200
Speaker 5: I'm happy to test anybody's guest cabins on their super yachts.

524
00:24:47,240 --> 00:24:49,000
Speaker 6: Yeah, if anyone needs a hand, you just call me.

525
00:24:49,160 --> 00:24:53,160
Speaker 5: I've got your back, yes, absolutely, yeah, yeah, my goshene

526
00:24:53,160 --> 00:24:53,480
Speaker 5: as well.

527
00:24:53,520 --> 00:24:56,600
Speaker 4: Putting out the vibes, put vibes vibes. That is the

528
00:24:56,600 --> 00:24:59,240
Speaker 4: coolest story ever. Thank you so much for coming to

529
00:24:59,320 --> 00:25:00,080
Speaker 4: share it.

530
00:25:00,240 --> 00:25:01,200
Speaker 2: So interesting.

531
00:25:01,359 --> 00:25:04,479
Speaker 5: Thank you so much for coming. I've super appreciated it.

532
00:25:04,760 --> 00:25:07,280
Speaker 5: What an absolute dream. But as always I do think

533
00:25:07,320 --> 00:25:09,480
Speaker 5: that's all we have time for today, jessg Ricci.

534
00:25:09,680 --> 00:25:12,119
Speaker 4: It short was, But don't forget, guys, that the advice

535
00:25:12,200 --> 00:25:14,480
Speaker 4: sheared on Shees on the Money is generally nature and

536
00:25:14,520 --> 00:25:17,720
Speaker 4: does not consider your individual circumstances. Ches On the Money

537
00:25:17,760 --> 00:25:20,679
Speaker 4: exists purely for educational purposes and should not be relied

538
00:25:20,720 --> 00:25:23,399
Speaker 4: upon to make an investment or a financial decision. And

539
00:25:23,520 --> 00:25:26,000
Speaker 4: we promise Victoria, Divine and Cheese on the Money are

540
00:25:26,040 --> 00:25:30,800
Speaker 4: authorized representatives of Infocused Securities Australia Proprietary Limited ABN four

541
00:25:30,880 --> 00:25:33,480
Speaker 4: seven oh nine seven seven nine seven O four nine

542
00:25:33,520 --> 00:25:35,639
Speaker 4: AFSL two three six five two three.

543
00:25:35,720 --> 00:25:38,720
Speaker 2: See you on Wednesday, guys. Bye,