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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 Whaltbury 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. Guess that

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Speaker 2: makes personal finance fun, especially on Fridays. It's our favorite

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Speaker 2: day of the week because we get our little team

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Speaker 2: together and celebrate you our incredible She's on the Money

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Speaker 2: community as always, Miss Gott she is going to be

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Speaker 2: sharing our favorite money wins. She's got a few from

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Speaker 2: the community that she's rounded up. Miss becksay ed she's

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Speaker 2: going to be sharing her favorite broke tips. And we're

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Speaker 2: getting to answer a money dilemma, which this week is

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Speaker 2: all about your landlord. Being dodgy with your bond And

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Speaker 2: then Jess, I know you're excited about that one I've got.

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Speaker 2: We've got something that you slid into our DMS about

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Speaker 2: whether you should be worried if your partner has invested

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Speaker 2: in a business with no contracts. This is also a

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Speaker 2: very juicy one.

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Speaker 4: Yeah, Boiler, Yes, they're both equally juicy.

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Speaker 2: I love the juicy stuff that you guys slide into

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Speaker 2: our DMS about, like absolutely, But before we get there,

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Speaker 2: my loves how or your weeks really good?

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Speaker 5: I've started really good?

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Speaker 2: Weak?

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Speaker 5: Yes, very good.

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Speaker 2: No.

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Speaker 4: I got got an iron infusion just the other day,

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Speaker 4: which is like it was weird.

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Speaker 5: I won't go into too much detail.

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Speaker 2: Like you didn't get any staining on your arm?

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Speaker 3: Give me.

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Speaker 2: They give me so much anxiety. When I was they

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Speaker 2: were like saying I might have to have an iron infusion,

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Speaker 2: and I'm so scared of like getting a mark on

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Speaker 2: my arm.

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Speaker 4: Yeah, well, like they said, it's quite rare. It's just

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Speaker 4: that the iron and I could see like the little

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Speaker 4: tube of iron that they put in it's like like

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Speaker 4: very very dark brown, which.

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Speaker 5: Is so weird. It is so weird to see. Yeah,

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Speaker 5: they put it.

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Speaker 2: Into yours.

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Speaker 5: Because love of detail.

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Speaker 4: It was just a weird experience. But also, like I

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Speaker 4: think the worst part of an iron infusion is that

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Speaker 4: bless bless blessed. I love GPS.

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Speaker 5: I love my GP.

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Speaker 4: Yeah, I love her so much, but having to be

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Speaker 4: in conversation for fourteen minutes with someone that fourteen fourteen

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Speaker 4: minutes I just.

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Speaker 2: Podcast like half an hour.

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Speaker 4: Yeah, well I googled like it was like meant to

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Speaker 4: be four hours a week, but anyway, they did it

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Speaker 4: really quick, so it's like fourteen minutes at my GP. Somehow,

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Speaker 4: I don't understand that that's a good deal. Do you

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Speaker 4: feel better now you've had what? It takes a couple

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Speaker 4: of weeks to kick in, but at the moment it's

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Speaker 4: probably a percebo, but I feel like you just do

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Speaker 4: feel a little bit better.

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Speaker 2: Yeah, okay, you know I love a placebo effect though. Yeah,

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Speaker 2: Like if you gave me a smarty and said it

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Speaker 2: was medication and it would help me, I'd probably full

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Speaker 2: for it. I'm all good with it.

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Speaker 4: The brain is so powerful. Yeah, that's basically my week, honestly,

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Speaker 4: not too much else. Just have an infusion, yes, get

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Speaker 4: into the Christmas spirit too, which I'm sure.

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Speaker 5: Yes, he was also doing.

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Speaker 3: Oh my gosh, I feel listening you Christmas carols back

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Speaker 3: four weeks. But if you're not following us on Instagram,

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Speaker 3: we're doing our twelve days of giveaways again was kicked.

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Speaker 3: It's just kicked off. And you guys, there's some really

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Speaker 3: really good stuff that you can win. So if you're

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Speaker 3: not following us on Instagram, you're gonna want to be

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Speaker 3: because every day for the next how many twelve twenty

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Speaker 3: four twenty four days? Every other day we're given away

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Speaker 3: a little.

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Speaker 2: Price, which is really fun, and we have done this

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Speaker 2: there are a couple of years now and we get

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Speaker 2: so many beautiful brands who are like, no, we'd love

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Speaker 2: to work with you. It's actually so fun. And also

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Speaker 2: I just love giving gifts. It's my love language, and

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Speaker 2: I get a whole.

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Speaker 3: Month of it, especially at this time of year. We

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Speaker 3: know times are tough, so whether it's something for you

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Speaker 3: or whether you want to give it as a gift

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Speaker 3: to someone yourself. We've picked all of our favorite brands.

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Speaker 3: You'll recognize so many of the names for things.

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Speaker 2: Yeah, because they're already all over our social media.

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Speaker 3: Exactly.

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Speaker 2: I'm paying customer to most of these brands.

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Speaker 3: Yeah, so get on over there, you guys. It's good.

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Speaker 2: I love it. I feel like, is it just me

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Speaker 2: or did everyone get in the Christmas spirit early this year?

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Speaker 2: You know what's crazy? We were talking to us, we

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Speaker 2: were talking about it. We were always talking, So it

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Speaker 2: makes sense Christmas.

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Speaker 3: Stuff coming out before Halloween. You know that I love Christmas, right, Like,

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Speaker 3: I am not one to be a grinch, no, but

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Speaker 3: it meant that we were effectively spending a quarter of

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Speaker 3: the year. It's three months, three months prepping for Christmas. True,

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Speaker 3: that is crazy commercialist and again like not that I

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Speaker 3: can talk. I put my tree up at the start

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Speaker 3: of November, but whatever, I feel like anything beyond two

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Speaker 3: months is really pushing it, you know what I mean?

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Speaker 2: I felt the same and this is such niche content.

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Speaker 2: But last year, there was this candy cane pillow that

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Speaker 2: I really wanted, right, Remember, I couldn't find anywhere, Jessica.

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Speaker 2: This was important to me, and I thought, this year,

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Speaker 2: I'm going to get it because it's from a store

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Speaker 2: where it releases every year, so like it's it's evergreen

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Speaker 2: candy cane, right. I missed it because it came out

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Speaker 2: at the start of November. Oh no, but like, what

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Speaker 2: are you guys doing? What are you doing?

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Speaker 5: I started November? I think, is I mean that's Christmas.

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Speaker 2: It came out in October, and like it was sold

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Speaker 2: out by the start of November. And now it's December

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Speaker 2: and I still don't have a candy. This is the

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Speaker 2: biggest first world problem I've ever had.

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Speaker 5: Its shaped like it.

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Speaker 4: Yes, it's shaped like make you one, but I guess

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Speaker 4: it's very hard to do.

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Speaker 5: Shape is very even want anymore?

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Speaker 2: Oh yeah, I didn't even need it out of principle.

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Speaker 3: Gosh, well, have you found made to cheers up a

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Speaker 3: little bit? A cute little review for us?

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Speaker 2: This week we do this week we've got another five

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Speaker 2: star review to share beck What is it?

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Speaker 3: Okay?

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Speaker 4: So this one comes from Laura. She says, Hey, guys,

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Speaker 4: been loving your recent podcast apps and would be interested

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Speaker 4: in hearing your advice on something. I just purchased my

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Speaker 4: first property a few weeks ago, and now my work

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Speaker 4: has made my role redundant. I'm so sorry to hear that.

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Speaker 4: I'm worried about the adjustment being my mortgage and bills

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Speaker 4: combined with unexpected unemployment. Do you have any pointers on

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Speaker 4: my situation or ways to budget when I'm not receiving

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Speaker 4: an income for an uncertain period of time. Thanks so much.

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Speaker 2: That is so dodgy of a business. This happened to you,

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Speaker 2: Jess redundant right before Christmas.

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Speaker 3: Not from here, I want to preface this. Yeah, but yeah,

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Speaker 3: I got made. It's interesting around. Someone said in the

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Speaker 3: Money Wins, Money Losses Throat as well this week that

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Speaker 3: they got made redundant. Who is making people redundant at

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Speaker 3: this time of year? I'm sorry, but that's an audacity.

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Speaker 5: Move on.

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Speaker 3: Yeah, I remember, I got really stressed and I have

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Speaker 3: the feeling of the mortgage in addition to my normal bills,

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Speaker 3: so I totally Oh, I would have been off the

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Speaker 3: edge of the cliff completely, So I understand how stressful

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Speaker 3: it is. I would just say, if you haven't recently

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Speaker 3: review your budget, if you don't have a budget, go

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Speaker 3: get a need one.

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Speaker 2: I've got one point on our website one hundred percent.

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Speaker 2: Go to the freebiees page.

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Speaker 3: It's really handy, but you just need to figure out

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Speaker 3: what is the absolute barest minimum you can spend to

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Speaker 3: live so rent, bills, groceries. Then once you figured that out,

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Speaker 3: can you pay your mortgage? If the answer is yes,

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Speaker 3: I would still cut back on all of your discretionary

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Speaker 3: spending if you can, because you're going to want to

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Speaker 3: buffer because the problem with being made redundant is you

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Speaker 3: don't have the luxury of knowing you've got another job coming.

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Speaker 3: So you could, hopefully, fingers crossed you get one really soon,

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Speaker 3: but if the market's tough, it could be weeks, it

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Speaker 3: could be months. Better to like tighten it up now,

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Speaker 3: I reckon and write it out if you can. If

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Speaker 3: you can't pay those things easy jobs Uber it's delivering

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Speaker 3: Amazon Prime, like those jobs that you don't really need

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Speaker 3: a qualification for that you can just pick up.

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Speaker 2: In fact, Jessica, this isn't related. But next week I

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Speaker 2: have an episode dropping which are festive side hustles, so

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Speaker 2: things that you can do to earn some extra bank

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Speaker 2: during the holidays, so things like air task and just

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Speaker 2: jobs that you're able to pick up. And to be honest,

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Speaker 2: if you invested the same amount of time that you

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Speaker 2: were working, like let's call it thirty eight hours a

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Speaker 2: week into this, I can almost guarantee that you'd be

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Speaker 2: able to cover a minimum wage job. Like we're not

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Speaker 2: going to make hundreds of thousands of dollars a year.

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Speaker 2: But by you doing like some uber eats deliveries, by you,

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Speaker 2: you know, hustling on air tasker and doing you know,

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Speaker 2: some courier jobs or whatever you can actually you know,

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Speaker 2: do physically and pick up, you'll be able to make

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Speaker 2: it through. Like it's not ideal because obviously you're probably

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Speaker 2: going to want to do like job interviews and stuff,

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Speaker 2: so it might be a bit of a hustle, but

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Speaker 2: I feel like that's a good plan, like a backup

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Speaker 2: plan to be like, okay, cool, like I've been made redundant,

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Speaker 2: or even just I'm really financially stressed. You could do

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Speaker 2: a little bit of a sprint, like not just you,

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Speaker 2: but people listening who are like, oh ye, I'm really

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Speaker 2: financially stressed, Like you don't have to have lost your

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Speaker 2: job to pick up a few things on the side

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Speaker 2: to get some extra cash in the bank, to get

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Speaker 2: an emergency fund to start next year off. Well, So

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Speaker 2: I want to flip this over to you, because you've

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Speaker 2: been made redundant before and you didn't have any say

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Speaker 2: things when that happened. No, what happened? How did you manage?

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Speaker 2: Tell us all the stories? Please don't say the answer

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Speaker 2: is a loaf of bread.

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Speaker 5: Honestly, I think that.

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Speaker 4: So the second I found out I was being re redundant,

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Speaker 4: I started applying for jobs. But because I think I

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Speaker 4: have spent I had spent like twenty eight twenty nine

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Speaker 4: years working in like entry level jobs, and then just

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Speaker 4: just started doing something that I really enjoyed, which is

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Speaker 4: video producing, and I was only doing that for a year,

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Speaker 4: and so I feel like for me, that life of

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Speaker 4: not that that's a bad thing or anything, but I

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Speaker 4: just wasn't enjoying it that much. My life of like

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Speaker 4: going back into hospital was not so far out of

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Speaker 4: reach for me. I was really kind of scared. So

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Speaker 4: I think myself I would advise if I did it

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Speaker 4: all over again, not to be driven by my ego

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Speaker 4: and just be like, I'm going to apply for jobs

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Speaker 4: at the pub or jobs in all of those jobs.

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Speaker 4: Just I don't have to be forever, right, It doesn't

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Speaker 4: have to be forever exactly. It's just even if you

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Speaker 4: have like a few days where you're working behind the bar,

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Speaker 4: just until you every other day you're applying for jobs,

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Speaker 4: maybe going to interviews all these other stuff. Just just

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Speaker 4: do something in between. If you can start tomorrow working

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Speaker 4: as a kitchen hand at a cafe or at a

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Speaker 4: pub or what, then just honestly do it. That's not

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Speaker 4: to say, like when I say I'm driven by my ego,

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Speaker 4: it's not to say that those jobs are necessarily about it.

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Speaker 2: I feel like once you got to this like dream

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Speaker 2: role of being a video producer, like I don't want

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Speaker 2: to go back, go back to what I was doing before,

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Speaker 2: but exactly so many times and like I saw this

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Speaker 2: when I had my financial advice business, and these things

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Speaker 2: would happen to clients occasionally, and I feel like we

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Speaker 2: fall into this mentality of assuming that that's the trajectory

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Speaker 2: that your entire life is on. Yes, oh, Beck, you've

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Speaker 2: been made redundant. What are you going to do now?

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Speaker 2: And the reality is like, oh, I can find the

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Speaker 2: job that I really want, But like I can feel

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Speaker 2: my time yeah. Like and I feel like if someone

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Speaker 2: had sat you down and said, oh, Beck, like you

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Speaker 2: could just take a job at the pub and it's

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Speaker 2: not forever. I feel like so many times you do

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Speaker 2: feel like you're going backwards, even though that's not the reality,

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Speaker 2: because you're like, oh, I'm going to go quote backwards.

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Speaker 2: It's not back to a worse job. It's just back

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Speaker 2: to what you knew and started doing, maybe less financially,

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Speaker 2: less financially you know, beneficial. I suppose while you're applying

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Speaker 2: for new video producer jobs, Yeah, exactly, we can still

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Speaker 2: get money in the door. And I think that that's

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Speaker 2: one of the most I don't know, I think it's

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Speaker 2: this is you know, probably a lot. And I like

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Speaker 2: that they're asking questions now in reviews, but I'm going

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Speaker 2: to spend a lot of time on them. And I

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Speaker 2: think that's one of the best features of people who

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Speaker 2: are good at money. That's this idea that no job

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Speaker 2: is beneath them, Like this idea that oh, if you know,

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Speaker 2: the proverbial hits a fan, I'll just go work in

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Speaker 2: a warehouse, like Jess, you did the same thing, Becka,

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Speaker 2: I know you do the same thing, and I absolutely

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Speaker 2: would do the same thing to make sure that I

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Speaker 2: could pay my way. Like I'm not the type of

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Speaker 2: person who's like, oh I won't do that, check my

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Speaker 2: child's dirty. Your job's a.

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Speaker 4: Job, totally.

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Speaker 2: I think that that mentality is going to make you

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Speaker 2: feel more secure as well, like, oh, well, in that case,

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Speaker 2: I am very privileged to be completely able bodied I

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Speaker 2: can just go grab a job like I'm not hindered

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Speaker 2: by that, and so many people are. And I think

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Speaker 2: that just having a body that means I can go

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Speaker 2: and work in a warehouse is a bloody privilege. So

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Speaker 2: I think that you know, it is probably not what

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Speaker 2: you want to hear, but find something to fill the time,

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Speaker 2: find something to fill the space and your wallet, and

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Speaker 2: then go and find another dream job that doesn't make

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Speaker 2: you redundant next time.

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Speaker 3: And it's not your fault. I remember when I got made redundant.

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Speaker 3: I just felt really shit about myself. And it's not

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Speaker 3: on you. There's so many factors that go into that.

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Speaker 3: So don't let that get you down or give you

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Speaker 3: imposter syndrome when you're applying for new jobs, because I'm

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Speaker 3: sure you're really great, and.

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Speaker 2: It's never about your competency. Actually, I've got a question,

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Speaker 2: be what job were you made redundant from video producing? Yeah?

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Speaker 2: And what's your job now?

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Speaker 5: Digital content producing?

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Speaker 2: And also, oh okay, so you're still do so you

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Speaker 2: basically upgraded. And it wasn't because you were about it

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Speaker 2: your job that you were made redundant. It was just

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Speaker 2: like the business structure.

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Speaker 4: Exactly, because the exact same place.

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Speaker 2: Just with a little bit of a pay riser and

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Speaker 2: a better job. But I think that that's important to

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Speaker 2: put on the table too. As you write yes, like

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Speaker 2: so often you're like maybe it was just like and

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Speaker 2: your brain's awful, Like your brain is the worst thing

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Speaker 2: to you. Your brain's going to be like they can

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Speaker 2: copt it this massive plan to have bulk redundancies at

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Speaker 2: my job because I'm so bout at it, and they

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Speaker 2: just didn't want to tell me that's how my brain

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Speaker 2: would have worked. So I think that we need to

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Speaker 2: just kick that out anyway. I also, while we're here,

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Speaker 2: I was laughing because I got an email notification the

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Speaker 2: other day and I screenshot it to say that for

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Speaker 2: this episode, because it was You've just received a five

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Speaker 2: star review on She's on the Money, and I was like, excellent, Yeah,

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Speaker 2: but what is this. I don't have my Apple review,

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Speaker 2: Like you can't get notifications for that.

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Speaker 3: It was on Google Google.

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Speaker 2: And I'm assuming what happened was this person Stephanie. I'm

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Speaker 2: gonna read it out. She was so tiny, but I'm

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Speaker 2: assuming Stephanie just doesn't use Apple and was like, oh,

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Speaker 2: I really want to leave a review, and I love that.

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Speaker 2: So if you're not on Apple, you can also reviews,

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Speaker 2: which I did so anyway, So Stephanie, she left a

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Speaker 2: Google review and it says obsessed, obsessed, obsessed. She's on

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Speaker 2: the money has truly changed my life in a way

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Speaker 2: that I didn't think could happen. Victoria, Jess and the

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Speaker 2: other most beautiful girls, and I absolutely adore listening to

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Speaker 2: them every single morning. Thank you for your tips and tricks.

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Speaker 2: You have helped me move away from after pay zip

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Speaker 2: pay my personal loan and now I'm able to save

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Speaker 2: and I have a little investment too. Just listen to

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Speaker 2: five minutes of any of their podcasts and you'll be hooked. PS.

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Speaker 2: I'm obsessed with Money Diaries. It's so sweet, so sweet,

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Speaker 2: but also like I'm obsessed with Money Diries too, Queen,

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Speaker 2: Like the my favorite episode of the week because you

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Speaker 2: just get the pervydats.

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Speaker 5: Yeah.

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Speaker 2: Like, how often are you sitting at brunch back? Can

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Speaker 2: you sitting next to someone and you're like, I wonder

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00:15:24,320 --> 00:15:26,160
Speaker 2: what they earn, what do they spend, what's in their

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Speaker 2: bank account? Maybe other people aren't thinking this way at brunch,

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Speaker 2: but I am, And I just think how much of

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Speaker 2: a privilege is it to sit down and somebody genuinely

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Speaker 2: be like, Oh, I'll tell you what tell you what

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Speaker 2: I spent, I'll tell you what's in my super tell

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Speaker 2: you what's in my savings. Oh this is how how

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Speaker 2: I can afford my house be for real.

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Speaker 4: Those congratulations for getting away from maft paid.

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Speaker 2: Ye's amazing she moved away from after pay and zippay.

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Speaker 2: But Plana falls into that same thing. Side note too,

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Speaker 2: this is a rogue episode. I do apologize. I saw

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Speaker 2: that multi how I've been on my multi level market

352
00:16:01,520 --> 00:16:04,760
Speaker 2: I'm like a month ago, and I haven't spoken about

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Speaker 2: this at all since then because I've been trying to

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Speaker 2: keep a lid on it. But it's coming back. It

355
00:16:08,480 --> 00:16:11,720
Speaker 2: just it's coming back. It's inside of me multi level

356
00:16:11,760 --> 00:16:14,480
Speaker 2: marketing company money, which we've talked about on he h.

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Speaker 2: They've started offering Klana. It's just like nay. I think

358
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Speaker 2: they had a little board meeting and they sat around

359
00:16:24,280 --> 00:16:29,280
Speaker 2: and they said, hello, Jessica, how do we become more toxic? Yeah, like, ah, yes, yes,

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Speaker 2: we're going to get buying now, pay later, perfect perfect perfect,

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Speaker 2: And so now all of the money girlies are like,

362
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Speaker 2: you can start your business by taking out a klan alone.

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Speaker 3: Oh I don't like that. That makes me nervous.

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Speaker 2: I know same only anyway, There'll be more MLM content

365
00:16:45,320 --> 00:16:48,120
Speaker 2: to come up, But for nowt's talk about something more positive,

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Speaker 2: Miss Jessicricci. What are your money ins and confessions from

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Speaker 2: our community?

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Speaker 3: All right, I'm going a rapid fire and ladies, because

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00:16:53,520 --> 00:16:56,280
Speaker 3: we've been yapping. The first one I've got is from Hannah.

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Speaker 3: She said she put twenty dollars per week away every

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Speaker 3: week since Christmas, and now she's got one thousand dollars

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00:17:02,560 --> 00:17:06,040
Speaker 3: to spend this year on all things Christmas related. Just

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Speaker 3: a very smart tip. I know that obviously a bit

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00:17:08,359 --> 00:17:10,480
Speaker 3: late now for this Christmas, but once you know we

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Speaker 3: hit twenty twenty five, good lord, start putting your twenty

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00:17:13,720 --> 00:17:16,520
Speaker 3: bucks away people. It really up. Next, I've got a

377
00:17:16,520 --> 00:17:19,639
Speaker 3: money win from Ashley, who said she updated her house

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00:17:19,680 --> 00:17:23,800
Speaker 3: and contents insurance and she got higher coverage. But she's

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00:17:23,840 --> 00:17:26,320
Speaker 3: saving herself thirty bucks a month because she switched.

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Speaker 2: Companies money and also was worth looking, wasn't it.

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Speaker 3: Absolutely? It's that time of year people renegotiate your deals. Next,

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Speaker 3: I've got one from Jess, who said my partner proposed

383
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Speaker 3: love that I just love love I congratulations are so exciting.

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Speaker 3: She said they were on a trip to Tazzi and

385
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Speaker 3: they managed to get free flight upgrades, free chocolates, a

386
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Speaker 3: bottle of shampers, almost god yeah, framed photos for half priced.

387
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Speaker 3: She said it was such a lovely trip and all

388
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Speaker 3: of the extra freebies made it really special.

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Speaker 2: That's really sweet. I love that Tasmanians. They're just really

390
00:17:57,320 --> 00:18:01,879
Speaker 2: good people, you know. Oh really, yeah, I've only.

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Speaker 5: Met good ones.

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Speaker 3: Yes. Next, I've got a money when from Adriana, who

393
00:18:06,640 --> 00:18:08,840
Speaker 3: said she's just discovered the eighty O app. I don't

394
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Speaker 3: know how because Victoria raves about it.

395
00:18:12,720 --> 00:18:14,920
Speaker 2: It's because I think you guys hear it and you're

396
00:18:14,960 --> 00:18:19,880
Speaker 2: like these so on cold you tuned out.

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00:18:20,000 --> 00:18:20,679
Speaker 3: We need to get on it.

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Speaker 2: How you come crawling back, don't you?

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Speaker 3: There?

400
00:18:22,960 --> 00:18:23,199
Speaker 1: You go?

401
00:18:23,280 --> 00:18:26,239
Speaker 3: Adrianna says she's been adding her work travel deductions as

402
00:18:26,240 --> 00:18:29,159
Speaker 3: well as other ones as she spends them. She's already

403
00:18:29,200 --> 00:18:32,320
Speaker 3: got one thousand dollars introductions that she definitely would have

404
00:18:32,320 --> 00:18:35,080
Speaker 3: forgotten about by the time next tax time rolled around.

405
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Speaker 2: Honey, when se see take my recommendations as gospel guys,

406
00:18:39,760 --> 00:18:41,000
Speaker 2: we should just be listening.

407
00:18:41,480 --> 00:18:43,520
Speaker 3: Next, I've got money in from Kelly, who said a

408
00:18:43,520 --> 00:18:46,320
Speaker 3: friend generously gave me some school uniforms and wouldn't let

409
00:18:46,320 --> 00:18:48,199
Speaker 3: me give them any money in return. I feel like

410
00:18:48,200 --> 00:18:50,320
Speaker 3: I remember my mum's friends doing that for us. If

411
00:18:50,440 --> 00:18:51,600
Speaker 3: kids go around of it and you're not going to

412
00:18:51,720 --> 00:18:54,320
Speaker 3: use them again as well, pass come on. The same

413
00:18:54,359 --> 00:18:56,760
Speaker 3: friend also offered to let her park at her place

414
00:18:56,800 --> 00:18:59,439
Speaker 3: for free when she travels in lieu of airport parking

415
00:18:59,440 --> 00:19:00,640
Speaker 3: and parent so nice.

416
00:19:00,760 --> 00:19:03,800
Speaker 2: Yeah, is so expensive.

417
00:19:03,359 --> 00:19:06,639
Speaker 3: And crazy expensive. And lastly this week I've got a

418
00:19:06,640 --> 00:19:09,080
Speaker 3: money in from Rhiannon who said she went to the

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00:19:09,119 --> 00:19:12,240
Speaker 3: dump shop, which I kind of forgot this shop. So

420
00:19:12,640 --> 00:19:15,440
Speaker 3: you know how you have your local tips where you

421
00:19:15,440 --> 00:19:18,320
Speaker 3: you know, a lot of the tips will have stores

422
00:19:18,480 --> 00:19:21,080
Speaker 3: where anything that's like decent, so a lot of people

423
00:19:21,080 --> 00:19:23,520
Speaker 3: will clean stuff out in hardish that's still got.

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Speaker 2: I didn't know that. Here we go.

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Speaker 3: So if you oh, this is a broke tip, yeah,

426
00:19:28,200 --> 00:19:32,200
Speaker 3: if the little crossover happening here, like the sweet lives

427
00:19:32,240 --> 00:19:34,639
Speaker 3: on deck, if you send something like decent quality of

428
00:19:34,640 --> 00:19:37,080
Speaker 3: the tip, they'll often pull it out and take it

429
00:19:37,160 --> 00:19:38,720
Speaker 3: put it in the tip shop, which is kind of

430
00:19:38,760 --> 00:19:40,600
Speaker 3: like an up shop, and things are like crazy cheap.

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00:19:40,600 --> 00:19:43,400
Speaker 2: You're doing putting things in the tip if they don't

432
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Speaker 2: need to go in the tip.

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Speaker 3: Oh, I completely agree, you're making me mad. Must be

434
00:19:47,520 --> 00:19:49,720
Speaker 3: really common. So Rihanna went to her local one and

435
00:19:49,760 --> 00:19:53,000
Speaker 3: she found three pieces of cast iron cookware.

436
00:19:53,119 --> 00:19:54,000
Speaker 2: Oh my gosh money.

437
00:19:54,280 --> 00:19:56,080
Speaker 3: They were having a fifty percent off sales, so she

438
00:19:56,160 --> 00:19:58,640
Speaker 3: got all three pieces of cast iron for fourteen bucks.

439
00:19:59,119 --> 00:19:59,840
Speaker 2: Oh my gosh.

440
00:20:00,200 --> 00:20:04,560
Speaker 3: That's so Coral iron cookware is like hundreds years. It's

441
00:20:04,640 --> 00:20:06,560
Speaker 3: really expensive, and it's the kind of thing.

442
00:20:06,480 --> 00:20:08,520
Speaker 2: What I asked for for Christmas is that. Yeah, I

443
00:20:08,560 --> 00:20:13,159
Speaker 2: asked for all one. I've asked for one pot for Christmas.

444
00:20:13,320 --> 00:20:15,879
Speaker 2: That's so. I was just wondering could I please have

445
00:20:15,920 --> 00:20:18,520
Speaker 2: a Lucrucia pot? And my husband's like, you want me

446
00:20:18,520 --> 00:20:23,760
Speaker 2: to buy kitchen stuff? And I'm like, I was like, well,

447
00:20:23,800 --> 00:20:26,119
Speaker 2: he doesn't. And I also really like that. He was like,

448
00:20:26,160 --> 00:20:27,439
Speaker 2: are you sure you want me to buy you like

449
00:20:27,480 --> 00:20:29,720
Speaker 2: a kitchen things for Christmas? And I'm like, One, you're

450
00:20:29,760 --> 00:20:31,399
Speaker 2: going to probably fall off your chair when you go

451
00:20:31,440 --> 00:20:34,080
Speaker 2: and purchase it because it's very expensive, and two it's

452
00:20:34,200 --> 00:20:37,840
Speaker 2: kind of for me, like it's not actually for the kitchen,

453
00:20:38,160 --> 00:20:42,440
Speaker 2: like and which color did you I actually haven't decided,

454
00:20:42,680 --> 00:20:45,040
Speaker 2: so I'm tossing up. This is a very big decision.

455
00:20:45,560 --> 00:20:49,560
Speaker 2: So there's their seasonal color, which is peachy. It's peach

456
00:20:49,600 --> 00:20:54,040
Speaker 2: and Jess it has a gold lead that it's really cute.

457
00:20:54,440 --> 00:20:56,760
Speaker 2: But also do I go for something more classic like

458
00:20:56,800 --> 00:20:58,880
Speaker 2: the ivory and like, you know, you have it because

459
00:20:58,880 --> 00:21:00,960
Speaker 2: you're going to have it for years. You don't buy

460
00:21:00,960 --> 00:21:06,440
Speaker 2: a cast iron pot, Yeah, but apparently you do, so totally,

461
00:21:06,640 --> 00:21:10,440
Speaker 2: I'll just bought just the orange one orange photos because

462
00:21:10,440 --> 00:21:14,080
Speaker 2: it actually is so much so in then you could

463
00:21:14,080 --> 00:21:15,800
Speaker 2: have orange pot.

464
00:21:17,920 --> 00:21:19,360
Speaker 4: But it's fine, it's really really cool.

465
00:21:19,440 --> 00:21:19,600
Speaker 6: Yeah.

466
00:21:19,640 --> 00:21:21,879
Speaker 2: But then also that's where I'm my head's at and like,

467
00:21:21,920 --> 00:21:25,520
Speaker 2: do I pick up color? That's really fun because like anyway,

468
00:21:25,760 --> 00:21:29,439
Speaker 2: that's a very big oh yeah, pot dilemma, Jessica, what

469
00:21:29,480 --> 00:21:30,560
Speaker 2: else have you got? That's it?

470
00:21:30,600 --> 00:21:32,640
Speaker 3: But Rihanna did say that as she was leaving the tip,

471
00:21:32,680 --> 00:21:35,000
Speaker 3: she also found two bucks in the ground.

472
00:21:36,840 --> 00:21:37,360
Speaker 5: There you go.

473
00:21:38,920 --> 00:21:41,160
Speaker 2: See, as we say in the she's on the money team,

474
00:21:41,200 --> 00:21:44,879
Speaker 2: good things happen to good people. Absolutely exactly right, exactly.

475
00:21:45,000 --> 00:21:47,639
Speaker 2: I love it now, bet, Yes, jess had a pretty

476
00:21:47,640 --> 00:21:48,359
Speaker 2: good broke tip.

477
00:21:48,520 --> 00:21:52,000
Speaker 4: I know, can you one up her? I'm going to

478
00:21:52,040 --> 00:21:55,280
Speaker 4: try my best. So this is like Christmas gift related.

479
00:21:56,520 --> 00:21:57,520
Speaker 2: She's themed it.

480
00:21:57,640 --> 00:22:00,240
Speaker 4: Yes, So this first one comes from Rena, who says that,

481
00:22:00,520 --> 00:22:02,840
Speaker 4: so this is like, I guess, a bit harder unless

482
00:22:02,840 --> 00:22:05,439
Speaker 4: you are close by, you know, regional towns or places,

483
00:22:05,440 --> 00:22:07,840
Speaker 4: you know, when you see those olive trees. Those olive

484
00:22:07,840 --> 00:22:11,640
Speaker 4: trees are just like along the coast or along the.

485
00:22:11,640 --> 00:22:14,000
Speaker 2: Roads, like the one in my launde room that just

486
00:22:14,080 --> 00:22:20,240
Speaker 2: died because you have to water. And then my husband

487
00:22:20,280 --> 00:22:22,200
Speaker 2: was like the olive trees looking a little bit dire,

488
00:22:22,200 --> 00:22:22,600
Speaker 2: and I was.

489
00:22:22,560 --> 00:22:25,400
Speaker 5: Like, oh, I know they could live inside.

490
00:22:25,840 --> 00:22:31,520
Speaker 2: Maybe they can't. Maybe that's the issue.

491
00:22:31,680 --> 00:22:33,439
Speaker 4: Well, I actually did this a few years ago with

492
00:22:33,880 --> 00:22:37,160
Speaker 4: live and we we just picked all these olives off

493
00:22:37,760 --> 00:22:41,000
Speaker 4: and you can tell they're ready somehow and I can't

494
00:22:41,040 --> 00:22:44,480
Speaker 4: remember off the top of it. And then you just

495
00:22:44,520 --> 00:22:46,520
Speaker 4: chuck them all into like literally like a salt brine,

496
00:22:46,600 --> 00:22:49,280
Speaker 4: like a salt water situation. You leave there for a

497
00:22:49,320 --> 00:22:51,399
Speaker 4: few months. So maybe not for this Christmas, but or

498
00:22:51,440 --> 00:22:54,880
Speaker 4: even like I feel like it's oh yeah, they were delicious,

499
00:22:55,080 --> 00:22:58,560
Speaker 4: Oh really garlic. It was really really good. So you

500
00:22:58,560 --> 00:23:00,320
Speaker 4: can brind your own olives that way. Put them in

501
00:23:00,320 --> 00:23:04,719
Speaker 4: a little like glass jar and put a little they

502
00:23:04,760 --> 00:23:06,359
Speaker 4: built a ribbon around it.

503
00:23:06,440 --> 00:23:06,760
Speaker 2: Cute.

504
00:23:06,920 --> 00:23:09,480
Speaker 3: I feel like the olive branches would make really pretty

505
00:23:09,560 --> 00:23:11,679
Speaker 3: Christmas Day call. You can make res with them, or

506
00:23:11,720 --> 00:23:14,320
Speaker 3: garland down your table or something would be exp pretty.

507
00:23:15,080 --> 00:23:19,640
Speaker 2: The actual railroads, I feel like the railway always has

508
00:23:19,680 --> 00:23:21,560
Speaker 2: and this is probably more like get too close to

509
00:23:21,560 --> 00:23:25,280
Speaker 2: the railway. Okay, no, no, no, I'm talking about the

510
00:23:25,359 --> 00:23:30,080
Speaker 2: nature strip beside the railway. Trees on the railroad, if

511
00:23:30,080 --> 00:23:33,680
Speaker 2: there are, I'm concerned because the train would run into them, Jess.

512
00:23:34,480 --> 00:23:38,320
Speaker 2: But they have lots of like natives along the railroads usually,

513
00:23:38,560 --> 00:23:40,280
Speaker 2: and that's where I get a lot of my like

514
00:23:40,320 --> 00:23:46,640
Speaker 2: eucalyptus for table decoration. Yeah, yeah, courage to go back

515
00:23:46,640 --> 00:23:50,760
Speaker 2: to your hunter gatherer days and just gather, you know, yeah, preferably.

516
00:23:50,840 --> 00:23:53,040
Speaker 2: But yeah, that's why I said, by the railroad, so

517
00:23:53,040 --> 00:23:55,680
Speaker 2: you're not stealing it from some poor Nona's front yard

518
00:23:55,840 --> 00:24:00,720
Speaker 2: or something like cover like you can strip non as trees. Yeah,

519
00:24:01,600 --> 00:24:03,360
Speaker 2: what else have you got apart from olives?

520
00:24:03,440 --> 00:24:03,520
Speaker 1: Oh?

521
00:24:03,600 --> 00:24:05,080
Speaker 5: Yes, okay, this is in a similar vein.

522
00:24:05,400 --> 00:24:11,480
Speaker 4: But Sam says that if you get a bulk, say condiments, gems,

523
00:24:11,800 --> 00:24:16,399
Speaker 4: olive oils, alcohols, and you get yourself like little jars

524
00:24:16,440 --> 00:24:19,320
Speaker 4: of I don't know, Mason jars or little like bottles,

525
00:24:19,320 --> 00:24:23,320
Speaker 4: glass bottles, just and you make a bunch of gifts

526
00:24:23,359 --> 00:24:26,240
Speaker 4: to give to either like that you know, your teachers,

527
00:24:26,280 --> 00:24:29,240
Speaker 4: your bosses, anyone. Really it's like you made jam that

528
00:24:29,280 --> 00:24:31,160
Speaker 4: you didn't have to make the jar exactly, and.

529
00:24:31,080 --> 00:24:33,480
Speaker 2: You get like you could take the credit.

530
00:24:33,600 --> 00:24:35,399
Speaker 5: You could like this.

531
00:24:35,280 --> 00:24:37,439
Speaker 2: Tastes exactly like coddies, and you'd be like, I'm just

532
00:24:37,480 --> 00:24:39,120
Speaker 2: really good at I don't know what you.

533
00:24:39,080 --> 00:24:41,080
Speaker 4: Mean exactly, I'm really really good to make a jam.

534
00:24:41,200 --> 00:24:43,280
Speaker 4: And even like olive oils, like little olive.

535
00:24:43,000 --> 00:24:47,160
Speaker 3: Oil thing, like if you want a data personal touch.

536
00:24:47,080 --> 00:24:49,280
Speaker 5: Exactly, put some chili's in there. It could just looks

537
00:24:49,359 --> 00:24:50,080
Speaker 5: really cool.

538
00:24:50,119 --> 00:24:52,960
Speaker 4: And I think, like, I mean, maybe it's because we're

539
00:24:53,040 --> 00:24:56,760
Speaker 4: olive oil economy. Yeah, that's what I'm thinking. I'm like,

540
00:24:56,880 --> 00:24:58,600
Speaker 4: if I received a little thing of olive oil, I'll

541
00:24:58,640 --> 00:25:01,800
Speaker 4: be stoked. So I think it's really cute. I think

542
00:25:01,800 --> 00:25:05,040
Speaker 4: it's just a really good idea. And then from myself,

543
00:25:05,400 --> 00:25:07,160
Speaker 4: I found this one on Reddit. There's so many little

544
00:25:07,119 --> 00:25:10,400
Speaker 4: subredits that are you know, frugal broke, you know all

545
00:25:10,400 --> 00:25:13,160
Speaker 4: these things. I think, you know, if you're just wanting

546
00:25:13,160 --> 00:25:16,280
Speaker 4: to have a browse on any old day where you're

547
00:25:16,320 --> 00:25:17,760
Speaker 4: just feeling like you need some help.

548
00:25:18,119 --> 00:25:21,240
Speaker 2: But also they're quite entertaining, like some of the things

549
00:25:21,280 --> 00:25:22,919
Speaker 2: people are willing to do to save a dollar.

550
00:25:23,640 --> 00:25:28,159
Speaker 4: Not for me, what impressive content is impressive? Well, this

551
00:25:28,240 --> 00:25:30,520
Speaker 4: one that I found is called buy Nothing. It's mainly

552
00:25:30,520 --> 00:25:33,240
Speaker 4: in the US, but you there are some places in Australia.

553
00:25:33,240 --> 00:25:34,680
Speaker 4: I feel like it's going to take off in Australia

554
00:25:34,680 --> 00:25:37,119
Speaker 4: maybe like in the next few years hopefully, but for

555
00:25:37,280 --> 00:25:39,320
Speaker 4: right now, you just chuck your address in and it

556
00:25:39,320 --> 00:25:42,080
Speaker 4: will try and find people around you who are either

557
00:25:42,160 --> 00:25:46,000
Speaker 4: giving away or asking for something. So it's like, you know,

558
00:25:46,080 --> 00:25:48,240
Speaker 4: for example, I found one today there was like two

559
00:25:48,560 --> 00:25:51,760
Speaker 4: new Christmas Bugs just give. They're just giving them away.

560
00:25:51,760 --> 00:25:51,919
Speaker 1: You know.

561
00:25:51,920 --> 00:25:55,080
Speaker 4: It's like it's like a community where people are trying

562
00:25:55,119 --> 00:25:57,800
Speaker 4: to help each other out during Christmas time, either providing

563
00:25:58,080 --> 00:26:01,359
Speaker 4: free gifts or asking for free gifts. And yeah, it

564
00:26:01,400 --> 00:26:03,000
Speaker 4: was really sad. There was a few people there were like,

565
00:26:03,440 --> 00:26:06,000
Speaker 4: you know, have kids and I literally can't.

566
00:26:05,800 --> 00:26:06,639
Speaker 5: Afford to by them anything.

567
00:26:06,800 --> 00:26:12,240
Speaker 2: But I also love Yeah they're asking for help exactly exactly,

568
00:26:12,280 --> 00:26:14,800
Speaker 2: And it's a community where that people are wanting to

569
00:26:14,800 --> 00:26:17,600
Speaker 2: help people like that, So yeah, I think yeah, buy

570
00:26:17,680 --> 00:26:18,400
Speaker 2: nothing right now.

571
00:26:18,920 --> 00:26:21,200
Speaker 4: Not heaps on there for Australians, but it will have

572
00:26:21,400 --> 00:26:22,440
Speaker 4: lots of local face takers.

573
00:26:22,520 --> 00:26:26,720
Speaker 2: But if more Australians find out whya, this podcast become big. Yeah,

574
00:26:27,520 --> 00:26:31,119
Speaker 2: you're doing the Lord's work back And that was a

575
00:26:31,119 --> 00:26:33,280
Speaker 2: good rap, long but good, So let's go to a

576
00:26:33,320 --> 00:26:35,119
Speaker 2: really quick break on the flip side. We're going to

577
00:26:35,119 --> 00:26:38,800
Speaker 2: be talking about dodgy landlords, which is just his favorite

578
00:26:38,840 --> 00:26:41,640
Speaker 2: spice of life. And we're also going to be discussing

579
00:26:41,640 --> 00:26:43,920
Speaker 2: something you slid into our DMS about this week. We're

580
00:26:44,000 --> 00:26:46,240
Speaker 2: chatting whether you should be worried if your partner's invested

581
00:26:46,280 --> 00:26:49,680
Speaker 2: in a business but they're in a contracts so don't

582
00:26:49,680 --> 00:26:50,440
Speaker 2: go anywhere.

583
00:26:54,080 --> 00:26:57,080
Speaker 3: Welcome back, everybody. Let's take a listen to this week's

584
00:26:57,200 --> 00:27:00,600
Speaker 3: money dilemma.

585
00:27:00,720 --> 00:27:02,919
Speaker 6: Have you got a money dilemma you just can't solve?

586
00:27:03,119 --> 00:27:05,280
Speaker 6: The Sheese on the Money team is here to help.

587
00:27:05,640 --> 00:27:08,639
Speaker 6: Every week we tackle your dilemmas, both big and small,

588
00:27:08,680 --> 00:27:11,840
Speaker 6: to answer your most burning money, career and life questions.

589
00:27:12,000 --> 00:27:14,480
Speaker 6: To get involved, simply head to our website and leave

590
00:27:14,560 --> 00:27:16,680
Speaker 6: us a short voice recording and you might just find

591
00:27:16,680 --> 00:27:19,359
Speaker 6: yourself on the show. Now, let's take a listen to

592
00:27:19,480 --> 00:27:22,680
Speaker 6: this week's money dilemma.

593
00:27:22,880 --> 00:27:25,360
Speaker 7: Hihi's on the money. I have an interesting money dilemma

594
00:27:25,400 --> 00:27:27,679
Speaker 7: for you. My friend and I have been renting a

595
00:27:27,720 --> 00:27:29,959
Speaker 7: house together for almost a year and we have just

596
00:27:30,000 --> 00:27:32,400
Speaker 7: been issued with a notice to leave. We have come

597
00:27:32,440 --> 00:27:34,760
Speaker 7: to find out through sources other than our real estate

598
00:27:35,080 --> 00:27:36,919
Speaker 7: that the reason the house is not being renewed is

599
00:27:36,920 --> 00:27:40,320
Speaker 7: because the house is being demolished. Our landlord has indicated

600
00:27:40,359 --> 00:27:42,400
Speaker 7: that we will not be receiving our full bond due

601
00:27:42,440 --> 00:27:44,960
Speaker 7: to supposed damage to the property, and they require the

602
00:27:45,000 --> 00:27:47,840
Speaker 7: bond to make the repairs. The house itself is quite

603
00:27:47,840 --> 00:27:50,240
Speaker 7: old and requires a lot of work, hence whit it's

604
00:27:50,240 --> 00:27:53,199
Speaker 7: being demolished. But we have been really great tenants and

605
00:27:53,240 --> 00:27:55,359
Speaker 7: have looked after the place as if it were our own.

606
00:27:55,760 --> 00:27:57,760
Speaker 7: It just feels wrong to be handing money over for

607
00:27:57,800 --> 00:27:59,840
Speaker 7: this when we know the house will literally be knocked

608
00:27:59,840 --> 00:28:02,560
Speaker 7: down after we move out. Is it right for our

609
00:28:02,600 --> 00:28:05,080
Speaker 7: landlord to take money from our bond to supposedly do

610
00:28:05,160 --> 00:28:08,000
Speaker 7: repairs even when we know the house is being demolished.

611
00:28:08,359 --> 00:28:10,560
Speaker 7: How can my friend and I approach the situation without

612
00:28:10,560 --> 00:28:12,679
Speaker 7: losing our money? We would love your thoughts on this.

613
00:28:12,920 --> 00:28:14,160
Speaker 7: Thank you.

614
00:28:14,160 --> 00:28:18,000
Speaker 2: Ah, this is for Jessica makes me angry.

615
00:28:18,680 --> 00:28:21,159
Speaker 3: So first things first, keep in mind that laws and

616
00:28:21,200 --> 00:28:23,840
Speaker 3: regulations vary state by state, so we're talking about VIC.

617
00:28:24,080 --> 00:28:28,119
Speaker 3: Definitely head to your state tenant's website or the Consumer

618
00:28:28,160 --> 00:28:31,360
Speaker 3: Fair website to get more information. But first things first,

619
00:28:31,400 --> 00:28:33,520
Speaker 3: they have to actually tell you exactly what they're repairing.

620
00:28:33,560 --> 00:28:35,359
Speaker 3: They can't just say, oh, we're keeping a grand because

621
00:28:35,359 --> 00:28:38,720
Speaker 3: we feel like it. Ask them for an itemized breakdown

622
00:28:38,880 --> 00:28:41,400
Speaker 3: of what needs to be prepared. Once they provide you

623
00:28:41,480 --> 00:28:44,160
Speaker 3: that breakdown, you can review it. Hopefully some of those

624
00:28:44,160 --> 00:28:47,000
Speaker 3: things will come under what's called regular wear and tear.

625
00:28:47,080 --> 00:28:47,480
Speaker 5: So in a.

626
00:28:47,400 --> 00:28:51,080
Speaker 3: Particularly old house especially, you would expect for there to

627
00:28:51,120 --> 00:28:53,520
Speaker 3: be wear and tear, for example, cracks in the walls,

628
00:28:53,760 --> 00:28:56,840
Speaker 3: or carpet that's pilling or pulling up a little bit.

629
00:28:57,280 --> 00:28:59,400
Speaker 3: There are lots of things that would be considered normal

630
00:28:59,440 --> 00:29:02,560
Speaker 3: wear and tent and the older the house is, the

631
00:29:02,560 --> 00:29:04,600
Speaker 3: more you can expect to be wrong with it. The

632
00:29:04,760 --> 00:29:07,040
Speaker 3: other thing that I would ask for, if you don't

633
00:29:07,040 --> 00:29:10,160
Speaker 3: have your own copies already, is the photos from when

634
00:29:10,160 --> 00:29:12,880
Speaker 3: you moved in, so there will always be a documentation

635
00:29:13,160 --> 00:29:15,400
Speaker 3: of the state of the house at the time of handover.

636
00:29:15,840 --> 00:29:19,000
Speaker 3: Some of those issues might have predated you, or you know,

637
00:29:19,040 --> 00:29:22,040
Speaker 3: maybe the carpet had already started pulling up, and you

638
00:29:22,080 --> 00:29:23,960
Speaker 3: can refer back to them and say, hey, like, actually,

639
00:29:23,960 --> 00:29:25,040
Speaker 3: that's what it was like when we.

640
00:29:25,000 --> 00:29:26,800
Speaker 2: Men didn't want it to get worse. You should have

641
00:29:26,840 --> 00:29:27,520
Speaker 2: fixed it then.

642
00:29:27,560 --> 00:29:29,600
Speaker 3: Correct, Like, you were aware that it was a problem,

643
00:29:29,640 --> 00:29:31,480
Speaker 3: you continued to rent it out due to the age

644
00:29:31,480 --> 00:29:32,360
Speaker 3: of the house, blah bah blah.

645
00:29:32,400 --> 00:29:33,800
Speaker 2: So having that, I would not want to get on

646
00:29:33,800 --> 00:29:34,840
Speaker 2: the wrong side of Jessica.

647
00:29:36,160 --> 00:29:38,600
Speaker 3: Just don't be trying to do people dirty, like this

648
00:29:38,720 --> 00:29:40,800
Speaker 3: is why landlords have a bad name. Not all landlords

649
00:29:40,800 --> 00:29:43,560
Speaker 3: are bad, but some of them are sketchy af It's

650
00:29:43,680 --> 00:29:46,800
Speaker 3: so true though, So get yourself that list, review it,

651
00:29:47,040 --> 00:29:49,720
Speaker 3: figure it out from there. Did you know at least

652
00:29:49,720 --> 00:29:53,560
Speaker 3: in Victoria you can claim your bond back without like

653
00:29:53,640 --> 00:29:55,800
Speaker 3: actually having to go through your landlord. You can do

654
00:29:55,800 --> 00:29:58,120
Speaker 3: it through the website the day you move out, and

655
00:29:58,200 --> 00:30:00,520
Speaker 3: if they want to fight against that, they actually have

656
00:30:00,600 --> 00:30:01,840
Speaker 3: to give a reason to vcat.

657
00:30:02,120 --> 00:30:04,640
Speaker 2: So you go claim your bond. Correct.

658
00:30:04,920 --> 00:30:07,400
Speaker 3: My thought would be claim your bond back in full,

659
00:30:07,680 --> 00:30:09,480
Speaker 3: and then they've got to argue it and if the

660
00:30:09,520 --> 00:30:11,520
Speaker 3: house is going to be demolished, that's something that I

661
00:30:11,520 --> 00:30:13,640
Speaker 3: would then bring up in a VCAT hearing and like,

662
00:30:13,680 --> 00:30:15,719
Speaker 3: I know that sounds really scary, like go to VCT,

663
00:30:15,760 --> 00:30:18,720
Speaker 3: but honestly, like it's there to well. VCAT is the

664
00:30:18,840 --> 00:30:22,120
Speaker 3: Victorian Civil Administrative TRIBUTEAL and I'm sure there's an equivalent

665
00:30:22,240 --> 00:30:23,960
Speaker 3: in whatever state you're in. Sorry, I forgot for a

666
00:30:23,960 --> 00:30:26,600
Speaker 3: second that they're different everywhere, But I know it sounds.

667
00:30:26,400 --> 00:30:28,720
Speaker 2: Scary to VCAT. If you're in New South Wales too,

668
00:30:28,760 --> 00:30:32,440
Speaker 2: it just is going to be very unproductive and it's

669
00:30:32,480 --> 00:30:34,720
Speaker 2: actually going to do nothing. It's a long road trip,

670
00:30:35,360 --> 00:30:37,880
Speaker 2: so don't take Jesse's advice there. But everything else she

671
00:30:37,960 --> 00:30:38,680
Speaker 2: said golden.

672
00:30:38,920 --> 00:30:40,960
Speaker 3: Yeah, So like I know that it sounds scary like

673
00:30:41,000 --> 00:30:43,040
Speaker 3: going a QURT or whatever, but those systems are in

674
00:30:43,040 --> 00:30:45,120
Speaker 3: place to protect you. And if they're going to I'm sorry,

675
00:30:45,160 --> 00:30:47,440
Speaker 3: if they're going to knock the house down, you're not

676
00:30:47,480 --> 00:30:50,040
Speaker 3: going to be repairing anything like that's ridiculous.

677
00:30:50,240 --> 00:30:53,920
Speaker 2: Yeah, are we not calling them out on this? Literally

678
00:30:54,280 --> 00:30:56,880
Speaker 2: like sorry, sorry, before we go to VCAT, I would

679
00:30:56,880 --> 00:30:58,720
Speaker 2: be picking up the phone and be like hello, mister

680
00:30:58,760 --> 00:31:03,160
Speaker 2: real estate man. Through my sources can you just confirm,

681
00:31:03,200 --> 00:31:05,560
Speaker 2: Am I correct in thinking that this house is going

682
00:31:05,600 --> 00:31:06,440
Speaker 2: to be demolished?

683
00:31:06,720 --> 00:31:06,960
Speaker 5: Yeah?

684
00:31:06,960 --> 00:31:09,560
Speaker 2: Oh yes, yes, So why are we fixing things if

685
00:31:09,600 --> 00:31:11,200
Speaker 2: you're going to rip it down? Yes?

686
00:31:11,320 --> 00:31:14,760
Speaker 3: Yes, okay ye tell them, you know, like let them know,

687
00:31:14,880 --> 00:31:16,520
Speaker 3: I know, and let them know that you're going to

688
00:31:16,520 --> 00:31:18,160
Speaker 3: put up a fight as well, because I think in

689
00:31:18,200 --> 00:31:21,680
Speaker 3: my experience, unfortunately a lot of the time property managers

690
00:31:21,680 --> 00:31:24,000
Speaker 3: and all landlords you know, who have kind of tried

691
00:31:24,000 --> 00:31:27,240
Speaker 3: to Jimmy dirty, have often had the experience.

692
00:31:26,720 --> 00:31:29,959
Speaker 2: When successfully By the way, no you can do Jess dirty. No, no,

693
00:31:29,960 --> 00:31:30,239
Speaker 2: no no.

694
00:31:30,280 --> 00:31:32,640
Speaker 3: If I definitely wrong by all means, but like but

695
00:31:32,760 --> 00:31:36,520
Speaker 3: also just knows she never does wrong. I don't think

696
00:31:36,520 --> 00:31:40,000
Speaker 3: people should be punished for renting houses like y're so silly.

697
00:31:40,120 --> 00:31:42,320
Speaker 3: So I think sometimes just letting them know that you

698
00:31:42,480 --> 00:31:45,560
Speaker 3: know you're rights and saying, hey, like I actually know

699
00:31:45,640 --> 00:31:49,000
Speaker 3: that as per tenance Victoria, I am legally entitled to

700
00:31:49,280 --> 00:31:51,400
Speaker 3: X y Z can often just be like a bit

701
00:31:51,400 --> 00:31:53,600
Speaker 3: of a subtle way of saying, hey, my dude, lack,

702
00:31:54,160 --> 00:31:56,960
Speaker 3: I'm going to fight you on this, and it can

703
00:31:57,200 --> 00:31:59,120
Speaker 3: sometimes make them go, oh, it's not just going to

704
00:31:59,160 --> 00:32:00,440
Speaker 3: be an easy wah srap.

705
00:32:01,200 --> 00:32:02,120
Speaker 2: What would you do, babe.

706
00:32:03,240 --> 00:32:05,920
Speaker 4: Honestly, I would do everything just said. But also I

707
00:32:05,960 --> 00:32:07,520
Speaker 4: just moved out of this one house. It was like

708
00:32:07,760 --> 00:32:10,880
Speaker 4: going to be demolished, and the wall like it was

709
00:32:11,320 --> 00:32:15,840
Speaker 4: ugly inside the room, Like the front wall the front

710
00:32:15,840 --> 00:32:18,040
Speaker 4: of the house is detaching. You could see that straight

711
00:32:18,080 --> 00:32:20,600
Speaker 4: from someone's bedroom. It was like really really, But we

712
00:32:20,600 --> 00:32:22,200
Speaker 4: were like, we're not going to get up on back,

713
00:32:22,240 --> 00:32:25,000
Speaker 4: like we're happy to let let this one go, but

714
00:32:25,160 --> 00:32:26,560
Speaker 4: it was going to be demolished. We have the whole

715
00:32:26,600 --> 00:32:30,480
Speaker 4: thing back without even yeah, because they so it's like,

716
00:32:31,120 --> 00:32:36,680
Speaker 4: that would be so mean to keep that for your renovations. Yeah,

717
00:32:36,720 --> 00:32:39,600
Speaker 4: so I think that I guess were only concern And

718
00:32:39,640 --> 00:32:41,440
Speaker 4: I don't know if this makes sense, but if they

719
00:32:41,440 --> 00:32:44,760
Speaker 4: didn't find out from the landlord, it is possible the

720
00:32:44,840 --> 00:32:48,840
Speaker 4: landlord will lie about demolishing it, like if they're like

721
00:32:48,840 --> 00:32:50,320
Speaker 4: trying to keep it a secret like that because they

722
00:32:50,320 --> 00:32:55,080
Speaker 4: didn't hear from you know, would that be an issue.

723
00:32:55,000 --> 00:32:55,480
Speaker 2: Or it could be.

724
00:32:55,800 --> 00:32:57,760
Speaker 3: It could absolutely be if whoever told you he was

725
00:32:57,760 --> 00:32:59,040
Speaker 3: willing to put it in writing though.

726
00:32:59,040 --> 00:33:02,440
Speaker 2: Then but that's because guys, I'm an adult. So I

727
00:33:02,520 --> 00:33:07,560
Speaker 2: called Consumer Affairs to ask myself obvious obviously, I was

728
00:33:07,600 --> 00:33:09,560
Speaker 2: going to do that, Like I read the PDS, I

729
00:33:09,600 --> 00:33:12,600
Speaker 2: read the TMD, I read the instruction manual. If it

730
00:33:12,640 --> 00:33:15,560
Speaker 2: comes in a box, I'm going to call consumer affairs.

731
00:33:15,840 --> 00:33:19,320
Speaker 2: So we called consumer affairs and they said that to

732
00:33:19,640 --> 00:33:22,520
Speaker 2: claim anything on the bond, you can request receipts. So

733
00:33:22,680 --> 00:33:25,600
Speaker 2: not only do they have to justify it and give

734
00:33:25,640 --> 00:33:28,400
Speaker 2: you a full breakdown of exactly why they need to

735
00:33:28,480 --> 00:33:31,040
Speaker 2: keep certain amounts, but if they said, oh, Jessica, we

736
00:33:31,080 --> 00:33:32,959
Speaker 2: need to keep three hundred dollars of your bond for this,

737
00:33:33,040 --> 00:33:35,320
Speaker 2: you'd be like, okay, cool, where's the quote? Like show

738
00:33:35,360 --> 00:33:37,720
Speaker 2: me why it's exactly three hundred dollars. You don't just

739
00:33:37,760 --> 00:33:40,440
Speaker 2: get to guess. And a lot of real estate agents

740
00:33:40,440 --> 00:33:42,520
Speaker 2: aren't going to let you know that that's how it

741
00:33:42,640 --> 00:33:45,000
Speaker 2: actually works, because they're going to say, oh, jess we

742
00:33:45,040 --> 00:33:47,640
Speaker 2: need to keep three hundred dollars and you're going to go, oh, okay.

743
00:33:47,760 --> 00:33:50,040
Speaker 2: But they can't spend that money, nor can they take

744
00:33:50,080 --> 00:33:53,720
Speaker 2: that money from you without consent. So if you say no,

745
00:33:53,840 --> 00:33:57,280
Speaker 2: you actually can't take that out of my bond, sorry,

746
00:33:57,080 --> 00:33:59,640
Speaker 2: they actually can't take it out. They have to escalate

747
00:33:59,680 --> 00:34:04,080
Speaker 2: thatcat as jess was talking about before. So I called

748
00:34:04,120 --> 00:34:08,359
Speaker 2: for you, and they said that if their plan is

749
00:34:08,360 --> 00:34:12,920
Speaker 2: to demolish the house, they need to call Consumer Affairs

750
00:34:12,920 --> 00:34:15,920
Speaker 2: themselves and have a conversation with them. So you would

751
00:34:15,920 --> 00:34:18,400
Speaker 2: go back and say no, actually, like we've heard that

752
00:34:18,440 --> 00:34:22,800
Speaker 2: the property is going to be demolished, and hopefully they go, yeah, actually,

753
00:34:22,840 --> 00:34:27,640
Speaker 2: you're right, complete like, oh we didn't oh yeah, complete

754
00:34:27,640 --> 00:34:30,359
Speaker 2: issue on our end. We completely forgot the real estate

755
00:34:30,360 --> 00:34:32,680
Speaker 2: agent was just doing their job, or the real estate

756
00:34:32,680 --> 00:34:34,360
Speaker 2: agent might not have known, because we're just going to

757
00:34:34,360 --> 00:34:37,160
Speaker 2: assume the best of people, right, Like, let's assume the

758
00:34:37,160 --> 00:34:39,880
Speaker 2: real estate agent didn't know because this is the landlord's

759
00:34:39,920 --> 00:34:42,160
Speaker 2: plan and you've heard from their friend Barry at the

760
00:34:42,200 --> 00:34:45,799
Speaker 2: coffee shop, right, So go to the real estate agent,

761
00:34:45,880 --> 00:34:47,600
Speaker 2: be like, could you please just check with the landlord

762
00:34:47,600 --> 00:34:50,279
Speaker 2: because I know that you're doing your job correctly by

763
00:34:50,360 --> 00:34:52,720
Speaker 2: requesting this to fix this, but I've heard they're knocking

764
00:34:52,719 --> 00:34:55,520
Speaker 2: it down, so like that would actually be fruitless waste

765
00:34:55,560 --> 00:34:58,480
Speaker 2: of labor, So could you just check and then if

766
00:34:58,520 --> 00:35:00,520
Speaker 2: they have pushed back on that, be like okay, cool,

767
00:35:00,640 --> 00:35:02,960
Speaker 2: So before we move forward, could you please call and

768
00:35:02,960 --> 00:35:06,160
Speaker 2: get some advice from Consumer Affairs because I called them

769
00:35:06,160 --> 00:35:08,960
Speaker 2: and they said that you should do that and see

770
00:35:08,960 --> 00:35:11,400
Speaker 2: what happens and then escalate like Jessica would.

771
00:35:11,400 --> 00:35:13,120
Speaker 3: The foundation of at all is you should fight for

772
00:35:13,120 --> 00:35:15,680
Speaker 3: the money. It's your money. And like again, the bond

773
00:35:15,760 --> 00:35:17,680
Speaker 3: is there so that if something had gone wrong, if

774
00:35:17,680 --> 00:35:19,160
Speaker 3: you had a cat and a cat had torn up

775
00:35:19,200 --> 00:35:22,319
Speaker 3: the carpet, then absolutely the bond should be used to repair.

776
00:35:22,000 --> 00:35:24,040
Speaker 2: That, unless they're ripping out the carpet, which case fight

777
00:35:24,120 --> 00:35:28,000
Speaker 2: that exactly right. It's there to protect the landlord from damage.

778
00:35:28,000 --> 00:35:29,920
Speaker 2: But if you have looked after the house, which is

779
00:35:29,920 --> 00:35:32,480
Speaker 2: what you're saying you have, then really they should have

780
00:35:32,480 --> 00:35:36,440
Speaker 2: no claim on it. And importantly, that bond, while you

781
00:35:36,480 --> 00:35:39,520
Speaker 2: know it's there to protect the house, and you know

782
00:35:39,680 --> 00:35:43,719
Speaker 2: there are some definite fair claims on using bond money, yeah,

783
00:35:44,000 --> 00:35:46,799
Speaker 2: can't be used without your consent yet remember that, so

784
00:35:46,960 --> 00:35:49,120
Speaker 2: don't forget that. They are going to have to come

785
00:35:49,160 --> 00:35:51,680
Speaker 2: back to you and say, by the way, you're not

786
00:35:51,719 --> 00:35:54,000
Speaker 2: going to get three hundred dollars worth of your bond back,

787
00:35:54,160 --> 00:35:56,360
Speaker 2: at which point you go, no, no, no, that's not the case,

788
00:35:56,480 --> 00:35:59,320
Speaker 2: because I think so many times real estate agents frame

789
00:35:59,360 --> 00:36:01,799
Speaker 2: it in a way that says, oh, by the way, yeah, no, no, no,

790
00:36:01,920 --> 00:36:03,400
Speaker 2: it's not. By the way, you have to ask me

791
00:36:03,480 --> 00:36:05,719
Speaker 2: for consent to spend that money, because even though it's

792
00:36:05,760 --> 00:36:08,680
Speaker 2: in trust sitting over there, that's just to give you

793
00:36:08,800 --> 00:36:11,359
Speaker 2: security that have got the cash, doesn't mean you could

794
00:36:11,400 --> 00:36:14,880
Speaker 2: just spend it however you want. Also receipts. Also, I

795
00:36:14,960 --> 00:36:17,440
Speaker 2: could say that that's a really terrible quote. No want

796
00:36:17,480 --> 00:36:20,200
Speaker 2: another option, because you're technically still spending my money, it's

797
00:36:20,239 --> 00:36:23,719
Speaker 2: not yours. Yeah, important, stick.

798
00:36:23,520 --> 00:36:24,120
Speaker 5: It to the man.

799
00:36:24,480 --> 00:36:30,080
Speaker 2: Absolutely, absolutely, you guys. Oh, thank you Cold Consumer Affairs

800
00:36:30,120 --> 00:36:32,560
Speaker 2: for that one. We had got a DM this week.

801
00:36:32,680 --> 00:36:36,280
Speaker 2: It's a little bit spicy. Are you ready? I'm very excited. Okay, okay, okay,

802
00:36:36,320 --> 00:36:39,200
Speaker 2: so high sheese on the money. I love the pod.

803
00:36:39,960 --> 00:36:44,400
Speaker 2: So my partner invested most of his savings into the

804
00:36:44,440 --> 00:36:47,080
Speaker 2: startup of a small business with a former colleague, which

805
00:36:47,160 --> 00:36:50,000
Speaker 2: opened two years ago. The agreement is that they are

806
00:36:50,040 --> 00:36:52,520
Speaker 2: fifty to fifty owners because they put in equal amounts

807
00:36:52,520 --> 00:36:55,680
Speaker 2: of money. I have a lot of concerns and it

808
00:36:55,719 --> 00:36:59,640
Speaker 2: makes me really anxious because there's no formal contract between them.

809
00:37:00,040 --> 00:37:02,279
Speaker 2: When I ask, he can't tell me the plan for

810
00:37:02,400 --> 00:37:05,960
Speaker 2: returns on his investment into the business. I also worry

811
00:37:06,000 --> 00:37:09,319
Speaker 2: because they hardly meet or send formal documentation on how

812
00:37:09,360 --> 00:37:12,799
Speaker 2: the business is doing. I feel uneducated on what this

813
00:37:12,840 --> 00:37:16,080
Speaker 2: should look like. But no, it's not good. It's a

814
00:37:16,120 --> 00:37:18,400
Speaker 2: touchy subject for me to bring up. And in the

815
00:37:18,480 --> 00:37:21,439
Speaker 2: past he's asked why it's my business, but I feel

816
00:37:21,480 --> 00:37:24,320
Speaker 2: like it is absolutely my business because we are partners

817
00:37:24,400 --> 00:37:27,279
Speaker 2: and I have shared financial goals for the future, such

818
00:37:27,280 --> 00:37:30,440
Speaker 2: as buying our first home together. I would love to

819
00:37:30,520 --> 00:37:33,040
Speaker 2: know what your thoughts are on this whole situation.

820
00:37:33,880 --> 00:37:37,279
Speaker 4: M I don't know about the business side of things,

821
00:37:37,360 --> 00:37:41,919
Speaker 4: but I just feel like this partner of yours might

822
00:37:42,040 --> 00:37:49,280
Speaker 4: be gaslighting you a little bit gas lighting here, feeling

823
00:37:49,320 --> 00:37:54,160
Speaker 4: a little bit too reminiscent of that production gas I

824
00:37:54,239 --> 00:37:56,720
Speaker 4: just think like, even if it was a friend of yours,

825
00:37:56,719 --> 00:37:59,880
Speaker 4: even if there's no like shared goals, shared financial goal

826
00:38:00,200 --> 00:38:03,080
Speaker 4: was like literally building a life together with somebody kind

827
00:38:03,120 --> 00:38:05,040
Speaker 4: of thing, even if it's just friend and they're like

828
00:38:05,080 --> 00:38:08,640
Speaker 4: being really really dodgy about something that they're doing a

829
00:38:08,719 --> 00:38:12,760
Speaker 4: big thing they're doing their life, Like hete this feels weird,

830
00:38:12,920 --> 00:38:14,680
Speaker 4: Like why are you not telling me anything? You know

831
00:38:14,680 --> 00:38:15,040
Speaker 4: what I mean.

832
00:38:15,640 --> 00:38:17,920
Speaker 2: I've literally done the same thing to Jessica before. In

833
00:38:18,200 --> 00:38:20,239
Speaker 2: the nicest way. Possible because she has her own side

834
00:38:20,320 --> 00:38:23,359
Speaker 2: hustle and like has her own influencer business and does

835
00:38:23,400 --> 00:38:25,239
Speaker 2: a whole heepe of stuff. I've like poked my nose

836
00:38:25,280 --> 00:38:27,360
Speaker 2: in and be like, OI, when you said that, what

837
00:38:27,440 --> 00:38:31,000
Speaker 2: did you mean? Do you know why? Because I'm caring

838
00:38:31,040 --> 00:38:33,600
Speaker 2: about Jess. Yeah, because I want the best for her.

839
00:38:33,640 --> 00:38:36,720
Speaker 2: And I'm pretty sure you're asking about your partner's business

840
00:38:37,040 --> 00:38:38,600
Speaker 2: because you're like, hold on, are you going to be

841
00:38:38,640 --> 00:38:39,200
Speaker 2: screwed over?

842
00:38:39,440 --> 00:38:40,480
Speaker 3: Yeah? Like you care about that?

843
00:38:40,800 --> 00:38:43,600
Speaker 2: Yeah, Like it's not me going I want some manys. Yeah,

844
00:38:43,680 --> 00:38:45,919
Speaker 2: Like it's me going. Oi. You know how you said

845
00:38:45,920 --> 00:38:47,960
Speaker 2: that I probably wouldn't ever let that happen in a contract,

846
00:38:48,000 --> 00:38:49,360
Speaker 2: or I wouldn't do this, or I wouldn't do that,

847
00:38:49,400 --> 00:38:51,160
Speaker 2: and like you can take my advice and put it

848
00:38:51,160 --> 00:38:54,120
Speaker 2: in the bin and that's fine. But if your partner

849
00:38:54,320 --> 00:38:58,600
Speaker 2: is asking questions, it's usually because they care about you totally.

850
00:38:58,920 --> 00:39:01,640
Speaker 4: So for so many reasons. There's so many layers and

851
00:39:01,800 --> 00:39:05,239
Speaker 4: so many I guess yeah, yeah, yeah, just so many

852
00:39:05,280 --> 00:39:07,640
Speaker 4: reasons why you probably should be.

853
00:39:07,840 --> 00:39:09,600
Speaker 5: In on this whole thing. There just a little bit

854
00:39:09,640 --> 00:39:10,120
Speaker 5: of information.

855
00:39:10,400 --> 00:39:11,879
Speaker 2: You don't need to be on the contract, You don't

856
00:39:11,880 --> 00:39:12,720
Speaker 2: need to be on the contracts.

857
00:39:12,719 --> 00:39:14,279
Speaker 5: You don't need to be part of anything they're doing.

858
00:39:14,400 --> 00:39:18,480
Speaker 4: You just want to literally be told something, Yeah.

859
00:39:18,040 --> 00:39:20,240
Speaker 5: What is even this? What's anything?

860
00:39:20,480 --> 00:39:20,759
Speaker 3: You know?

861
00:39:20,920 --> 00:39:23,680
Speaker 2: And it's hard, right because when business goes well, it

862
00:39:23,680 --> 00:39:27,279
Speaker 2: goes really well. And when business doesn't go well, it

863
00:39:27,320 --> 00:39:30,319
Speaker 2: gets real salty, real quickly. And that's where you need

864
00:39:30,360 --> 00:39:35,400
Speaker 2: a fallback plan. So before I start yapping about business stuff,

865
00:39:35,800 --> 00:39:36,480
Speaker 2: just what would you do?

866
00:39:36,760 --> 00:39:40,200
Speaker 3: So there's two elements. I think. Firstly, my thing with

867
00:39:40,320 --> 00:39:44,120
Speaker 3: money is if you ever intend on having something be enforceable,

868
00:39:44,120 --> 00:39:45,839
Speaker 3: like if you're putting money into something or lending money

869
00:39:45,880 --> 00:39:48,400
Speaker 3: to someone and you need that to be enforceable to

870
00:39:48,400 --> 00:39:50,000
Speaker 3: make sure you can get it back, and agreement should

871
00:39:50,000 --> 00:39:51,800
Speaker 3: be in place, whether that's a friend, whether that's a business,

872
00:39:51,840 --> 00:39:54,080
Speaker 3: whether that's some type of loan for something else, Like

873
00:39:54,160 --> 00:39:56,759
Speaker 3: if you are going, I'm putting money in and I

874
00:39:56,800 --> 00:39:58,719
Speaker 3: need a guarantee on that in some way, you need

875
00:39:58,760 --> 00:40:01,680
Speaker 3: to have a contract in place. For a business to

876
00:40:01,840 --> 00:40:05,239
Speaker 3: run officially, there has to be some kind of like

877
00:40:05,239 --> 00:40:06,960
Speaker 3: you would need an ABN, you would need to be

878
00:40:07,000 --> 00:40:10,239
Speaker 3: potentially registered for GST, like has to be some kind

879
00:40:10,239 --> 00:40:13,920
Speaker 3: of formal documentation. So either your partner's being screwed and

880
00:40:13,960 --> 00:40:16,360
Speaker 3: he's not being included on any of that, or he

881
00:40:16,560 --> 00:40:18,160
Speaker 3: is and he's not sharing that with you, And either way,

882
00:40:18,200 --> 00:40:20,480
Speaker 3: I view that as a problem. The other thing is

883
00:40:20,760 --> 00:40:23,480
Speaker 3: you are absolutely entitled to know about it, because having

884
00:40:23,520 --> 00:40:25,400
Speaker 3: a business is going to be either an asset or

885
00:40:25,440 --> 00:40:28,120
Speaker 3: a liability when you apply for that loan, depending on

886
00:40:28,120 --> 00:40:32,280
Speaker 3: how that business is performing. That directly impacts your ability

887
00:40:32,320 --> 00:40:35,040
Speaker 3: to qualify for a loan, assuming you're looking to purchase together.

888
00:40:35,480 --> 00:40:39,160
Speaker 3: And therefore absolutely beyond the fact that like, your partner

889
00:40:39,200 --> 00:40:41,040
Speaker 3: should just be sharing stuff like that with you, if

890
00:40:41,040 --> 00:40:44,960
Speaker 3: you share finances, or if they value your opinion in

891
00:40:45,040 --> 00:40:48,000
Speaker 3: any way, like in my brain, there's no reason for

892
00:40:48,040 --> 00:40:50,080
Speaker 3: them not to share that. The whole thing is kind

893
00:40:50,080 --> 00:40:51,920
Speaker 3: of giving me sketchy vibes. And I don't know if

894
00:40:51,920 --> 00:40:54,640
Speaker 3: it's because your partner's being sketchy or he's being sketched

895
00:40:54,680 --> 00:40:57,839
Speaker 3: out by somebody else, but either way, something sketchy is happening.

896
00:40:57,560 --> 00:40:58,040
Speaker 7: You know what I mean?

897
00:40:58,120 --> 00:41:02,640
Speaker 2: Yeah, one hundred and I guess this comment is coming

898
00:41:02,680 --> 00:41:05,680
Speaker 2: from me being a business owner. I own two technically

899
00:41:05,760 --> 00:41:09,960
Speaker 2: three businesses, and all of them generating come and all

900
00:41:10,000 --> 00:41:13,480
Speaker 2: of them sometimes require some big investments in one way,

901
00:41:13,520 --> 00:41:17,279
Speaker 2: shape or another. And when that happens, obviously I sit

902
00:41:17,320 --> 00:41:18,839
Speaker 2: down with my team and we chat about what we

903
00:41:18,880 --> 00:41:21,319
Speaker 2: need or how that works, and like we brainstorm it.

904
00:41:21,360 --> 00:41:23,640
Speaker 2: But one thing I do before I make that investment

905
00:41:23,680 --> 00:41:26,920
Speaker 2: is I talk to my husband. Why Because I feel

906
00:41:26,960 --> 00:41:29,759
Speaker 2: like I just want to make sure that he knows

907
00:41:29,800 --> 00:41:32,720
Speaker 2: I'm making a big money move and that he's aware

908
00:41:32,719 --> 00:41:35,560
Speaker 2: of it. Not because I need permission from my husband

909
00:41:35,560 --> 00:41:38,120
Speaker 2: to do business, but like he's my partner in life,

910
00:41:38,360 --> 00:41:41,800
Speaker 2: Like I am paying parts of the mortgage, he's paying

911
00:41:41,840 --> 00:41:44,520
Speaker 2: parts of the mortgage, and I'm making a decision that

912
00:41:44,560 --> 00:41:47,560
Speaker 2: could impact my ability to generat income and I want

913
00:41:47,600 --> 00:41:49,640
Speaker 2: to talk that through. And so many times he's like,

914
00:41:49,680 --> 00:41:52,920
Speaker 2: why are you telling me this? Or what's going on? Oh? Okay,

915
00:41:53,040 --> 00:41:55,520
Speaker 2: so you're gonna, you know, hire another person or whatever.

916
00:41:55,840 --> 00:41:59,120
Speaker 2: I'm often asking him these things not for permission, but

917
00:41:59,120 --> 00:42:01,520
Speaker 2: more validation I'm on the right path, and I feel

918
00:42:01,520 --> 00:42:03,799
Speaker 2: like that's a healthy way to go about things, because

919
00:42:03,840 --> 00:42:05,440
Speaker 2: like if I'm going to go, oh, I'm going to

920
00:42:05,520 --> 00:42:08,440
Speaker 2: hire another person, I'm telling my husband that my business

921
00:42:08,520 --> 00:42:11,360
Speaker 2: is taking on you know, another seventy thousand dollars income

922
00:42:11,480 --> 00:42:15,279
Speaker 2: plus you know, insurances plus tax plus whatever else, Like

923
00:42:15,480 --> 00:42:18,480
Speaker 2: that's a big liability and I want to make sure

924
00:42:18,520 --> 00:42:21,480
Speaker 2: that I've got you know, someone's like, oh no, You're like,

925
00:42:21,680 --> 00:42:24,080
Speaker 2: I've got no qualms about you making like it just

926
00:42:24,120 --> 00:42:24,840
Speaker 2: makes me feel.

927
00:42:24,680 --> 00:42:26,920
Speaker 3: Good and I really could go wrong and like that.

928
00:42:27,440 --> 00:42:29,839
Speaker 3: I like, if you choose that example, you could hire

929
00:42:29,880 --> 00:42:31,920
Speaker 3: someone and that could tip you out, like if the

930
00:42:31,920 --> 00:42:34,080
Speaker 3: company wasn't super profitable, it could tip you over into

931
00:42:34,120 --> 00:42:36,160
Speaker 3: the negatives, and that then impacts your cash flow, which

932
00:42:36,160 --> 00:42:39,359
Speaker 3: impacts your ability to pay the mortgage, which impacts Kim exactly.

933
00:42:39,600 --> 00:42:41,640
Speaker 2: And I think that that's where I kind of go,

934
00:42:42,200 --> 00:42:45,600
Speaker 2: oh okay, like I thought everyone did this, But again

935
00:42:45,680 --> 00:42:48,560
Speaker 2: you might be like butt out. I mean, it's funny.

936
00:42:48,600 --> 00:42:50,759
Speaker 2: I was actually talking to Britney Saunders the other day.

937
00:42:50,800 --> 00:42:54,400
Speaker 2: We recorded an episode together, and she and her partner

938
00:42:54,440 --> 00:42:57,560
Speaker 2: AJ work together and they are like a powerhouse together,

939
00:42:57,640 --> 00:42:59,960
Speaker 2: Like they are so good. If I brought my husband

940
00:43:00,440 --> 00:43:05,160
Speaker 2: into my business, I would quit five seconds later. I

941
00:43:05,239 --> 00:43:08,480
Speaker 2: could not work with my husband. So, like, everyone works

942
00:43:08,600 --> 00:43:11,760
Speaker 2: very differently, But I do think that open communication about

943
00:43:11,760 --> 00:43:14,800
Speaker 2: money decisions, especially if you're a business, like a small

944
00:43:14,800 --> 00:43:17,880
Speaker 2: business owner, specifically, because you know the decisions I make

945
00:43:17,920 --> 00:43:20,760
Speaker 2: inside my business are so impactful on my everyday life.

946
00:43:20,960 --> 00:43:23,120
Speaker 2: Like it's not like the business money is my money,

947
00:43:23,360 --> 00:43:25,600
Speaker 2: but like if I make bad decisions, I can't pull

948
00:43:25,640 --> 00:43:28,080
Speaker 2: out money because you guys sure as hell are getting

949
00:43:28,080 --> 00:43:31,200
Speaker 2: paid before I am, and so that makes me a

950
00:43:31,200 --> 00:43:33,760
Speaker 2: little bit icky. The other thing you touched on already,

951
00:43:33,840 --> 00:43:38,640
Speaker 2: Jess is sorry, is there not like an ABN registered? Yeah, Like,

952
00:43:38,960 --> 00:43:41,520
Speaker 2: so to start a business in Australia you need to

953
00:43:41,560 --> 00:43:45,279
Speaker 2: register in ABN. To register in ABN, you're obviously going

954
00:43:45,320 --> 00:43:47,359
Speaker 2: to have to pick a business structure. It's clearly not

955
00:43:47,360 --> 00:43:49,920
Speaker 2: going to be a sole trader because there's not a

956
00:43:50,040 --> 00:43:53,160
Speaker 2: sole trader. There's two of you. So you would pick

957
00:43:53,160 --> 00:43:56,239
Speaker 2: a partnership or you'd pick a business entity. So you've

958
00:43:56,239 --> 00:43:58,799
Speaker 2: probably gone through that you could do it yourself, or

959
00:43:58,800 --> 00:44:00,759
Speaker 2: you could have seen an account and they would have

960
00:44:00,760 --> 00:44:03,560
Speaker 2: set it up for you. But where is this documentation

961
00:44:03,680 --> 00:44:05,759
Speaker 2: at a bare minimum? Because when you set up a

962
00:44:05,800 --> 00:44:08,799
Speaker 2: business and there's more than one person, even when there's

963
00:44:08,840 --> 00:44:11,960
Speaker 2: one person involved, you have to identify how many shares

964
00:44:12,000 --> 00:44:14,320
Speaker 2: you're going to issue. So like some business and you

965
00:44:14,360 --> 00:44:15,840
Speaker 2: can pick whatever you want. By the way, this is

966
00:44:15,920 --> 00:44:18,799
Speaker 2: just like a real quick business like crash course. But

967
00:44:19,120 --> 00:44:21,320
Speaker 2: if you go and register a business in Australia, the

968
00:44:21,360 --> 00:44:23,080
Speaker 2: government will say how many shares do you want in

969
00:44:23,120 --> 00:44:26,080
Speaker 2: this business? And like my default is often one hundred

970
00:44:26,080 --> 00:44:29,000
Speaker 2: and twenty. Why because that's what my accountant said, Because

971
00:44:29,000 --> 00:44:31,200
Speaker 2: you're going to split them up. So like, if there's

972
00:44:31,239 --> 00:44:33,600
Speaker 2: two people, we get sixty shares each, and it means

973
00:44:33,600 --> 00:44:35,600
Speaker 2: that if a third person gets involved, we can like

974
00:44:35,640 --> 00:44:37,480
Speaker 2: shuffle shares around.

975
00:44:36,719 --> 00:44:38,799
Speaker 3: It's a very invisible number.

976
00:44:38,920 --> 00:44:41,879
Speaker 2: Yeah yeah, yeah, And like it doesn't change how much

977
00:44:41,920 --> 00:44:43,840
Speaker 2: it costs to set that up. But that's always just

978
00:44:43,880 --> 00:44:46,759
Speaker 2: been my base of my businesses, right, But if you

979
00:44:46,840 --> 00:44:48,880
Speaker 2: just went in you wanted one share in the business,

980
00:44:48,920 --> 00:44:51,960
Speaker 2: and great norries, But you might be creating a problem

981
00:44:52,000 --> 00:44:53,960
Speaker 2: for yourself in the future if a business partner like

982
00:44:54,000 --> 00:44:56,080
Speaker 2: wants to buy in, Because like if I wanted a

983
00:44:56,080 --> 00:44:58,920
Speaker 2: business partner to buy in, I might go, oh, well,

984
00:44:58,960 --> 00:45:01,759
Speaker 2: I'll give just five shares, but I keep you know,

985
00:45:01,920 --> 00:45:04,680
Speaker 2: the one hundred and fifteen. Does that make sense? So

986
00:45:04,800 --> 00:45:08,160
Speaker 2: like you can split it lots of different ways. But

987
00:45:08,320 --> 00:45:10,920
Speaker 2: usually if you went into business with one other person,

988
00:45:11,000 --> 00:45:13,200
Speaker 2: you might have issued two shares or you might have

989
00:45:13,239 --> 00:45:15,879
Speaker 2: issued one hundred and twenty shares and like have sixty each,

990
00:45:15,960 --> 00:45:17,279
Speaker 2: Like where's that documentation?

991
00:45:17,440 --> 00:45:17,640
Speaker 3: Yeah?

992
00:45:17,640 --> 00:45:19,680
Speaker 2: Because that's a bare minimum, Like that's not even like

993
00:45:19,719 --> 00:45:22,719
Speaker 2: a shareholders agreement, which I don't think should be a choice,

994
00:45:22,719 --> 00:45:25,719
Speaker 2: but is a choice that's like just registering it. Where's that?

995
00:45:26,080 --> 00:45:26,440
Speaker 3: Yeah?

996
00:45:26,600 --> 00:45:29,360
Speaker 2: Like that should be a thing. Like can you search

997
00:45:29,400 --> 00:45:31,520
Speaker 2: the ABN? Like, and I know that your partner said

998
00:45:31,560 --> 00:45:33,880
Speaker 2: it's not your business, but or does this business have

999
00:45:33,920 --> 00:45:35,879
Speaker 2: a website? Can you go to that website and see

1000
00:45:35,880 --> 00:45:37,799
Speaker 2: what the ABN is and look that ABN up?

1001
00:45:38,080 --> 00:45:38,400
Speaker 3: Yeah?

1002
00:45:38,440 --> 00:45:40,680
Speaker 2: Like I know that that feels a bit pervy, but

1003
00:45:40,719 --> 00:45:43,759
Speaker 2: if you're genuinely worried, I'd be like, sorry, are you

1004
00:45:43,840 --> 00:45:46,520
Speaker 2: saying that you in because like to me being very

1005
00:45:46,560 --> 00:45:49,399
Speaker 2: cynical right now, are you saying that your partner got

1006
00:45:49,440 --> 00:45:52,120
Speaker 2: involved with the business and tipped half of his savings

1007
00:45:52,120 --> 00:45:54,040
Speaker 2: in and somebody else is in control who owns one

1008
00:45:54,120 --> 00:45:56,839
Speaker 2: hundred percent of the shares, but he just gets some

1009
00:45:56,960 --> 00:46:01,239
Speaker 2: dodgy paperwork occasionally on maybe how the business is doing.

1010
00:46:01,560 --> 00:46:03,359
Speaker 3: Yeah, because I was going to say that, like if

1011
00:46:03,400 --> 00:46:05,440
Speaker 3: it was registered, for example, as a soul trader, like

1012
00:46:05,480 --> 00:46:06,799
Speaker 3: if his friend had set it up as a soult

1013
00:46:06,800 --> 00:46:09,040
Speaker 3: trading companies and the hey, mate, get on board, and

1014
00:46:09,080 --> 00:46:10,879
Speaker 3: your partner's gone, yeah great, I'll give you the money.

1015
00:46:10,960 --> 00:46:11,600
Speaker 3: Let's do this thing.

1016
00:46:11,640 --> 00:46:13,719
Speaker 2: Yeah great, we've put in the same amount. Like you

1017
00:46:13,800 --> 00:46:16,439
Speaker 2: might not know how that works. Yeah, but you haven't

1018
00:46:16,480 --> 00:46:19,040
Speaker 2: documented anything. You haven't done you know, you haven't restructured

1019
00:46:19,080 --> 00:46:21,040
Speaker 2: the business to be not a sole trader. You haven't

1020
00:46:21,080 --> 00:46:24,040
Speaker 2: restructured the shareholders agreement or any of that sort of stuff. Then,

1021
00:46:24,080 --> 00:46:26,680
Speaker 2: like on paper, it could be quite easy for him

1022
00:46:26,680 --> 00:46:27,880
Speaker 2: to be screwed over. And I mean I know that

1023
00:46:27,920 --> 00:46:31,360
Speaker 2: there's lots of logistics in documenting and yeah simple, but

1024
00:46:31,480 --> 00:46:34,400
Speaker 2: like that's a significant risk, I would think. I agree.

1025
00:46:34,520 --> 00:46:37,239
Speaker 2: I agree. So we did ask the community. Obviously, we

1026
00:46:37,280 --> 00:46:40,319
Speaker 2: said should your partner's business investments be your business too?

1027
00:46:40,840 --> 00:46:43,600
Speaker 2: Seventy six percent of you said yep, we're partners, but

1028
00:46:43,680 --> 00:46:45,640
Speaker 2: twenty four percent of you said no. So very much

1029
00:46:45,840 --> 00:46:46,440
Speaker 2: shocked by that.

1030
00:46:46,920 --> 00:46:49,399
Speaker 4: Yeah, maybe it's like early days, maybe they're like, oh

1031
00:46:49,400 --> 00:46:50,239
Speaker 4: my partner.

1032
00:46:50,120 --> 00:46:54,160
Speaker 2: Yeah, maybe it's but like, let's use me as an example.

1033
00:46:54,400 --> 00:46:56,360
Speaker 2: I have a mortgage with my husband, I have a

1034
00:46:56,480 --> 00:46:59,799
Speaker 2: child with my husband. Well, so married, don't feel like

1035
00:46:59,840 --> 00:47:05,200
Speaker 2: that to the famous being de facto these days, but like, yeah,

1036
00:47:05,280 --> 00:47:09,560
Speaker 2: does that change the dynamic, because to me it does, Yeah, definitely,

1037
00:47:09,760 --> 00:47:12,480
Speaker 2: Like I've got responsibilities.

1038
00:47:11,480 --> 00:47:15,720
Speaker 4: If your financial decisions actually will directly or indirectly affect

1039
00:47:15,760 --> 00:47:17,760
Speaker 4: him exactly exactly.

1040
00:47:18,000 --> 00:47:20,960
Speaker 2: We also asked, wouldn't worry you if your partner was

1041
00:47:21,000 --> 00:47:22,480
Speaker 2: invested in a business like this?

1042
00:47:23,880 --> 00:47:26,320
Speaker 3: Surely everyone said yes.

1043
00:47:27,160 --> 00:47:30,520
Speaker 2: Four percent of you said yes, it feels risky and unstructured.

1044
00:47:30,719 --> 00:47:32,640
Speaker 2: Six percent of you said nah, I trust them in

1045
00:47:32,680 --> 00:47:33,240
Speaker 2: the process.

1046
00:47:33,560 --> 00:47:37,760
Speaker 3: Okay, you're more optimistic than I am. It means to

1047
00:47:37,560 --> 00:47:38,319
Speaker 3: me being like.

1048
00:47:38,520 --> 00:47:42,160
Speaker 2: Cool, So was it set up this way? Like yeah,

1049
00:47:42,200 --> 00:47:45,279
Speaker 2: all right, so obviously I feel like we're kind of

1050
00:47:45,280 --> 00:47:47,800
Speaker 2: on the same page with the community. We then said,

1051
00:47:48,400 --> 00:47:53,000
Speaker 2: what's your two cents? First response, get a good accountant

1052
00:47:53,880 --> 00:47:55,759
Speaker 2: if you were just really true, because your accountant can

1053
00:47:55,800 --> 00:47:58,399
Speaker 2: one set that structure up if that was confusing when

1054
00:47:58,440 --> 00:48:01,120
Speaker 2: I was talking about how many shares like issued and stuff. Also,

1055
00:48:01,120 --> 00:48:04,040
Speaker 2: it's really important to talk about that because, like you know,

1056
00:48:04,400 --> 00:48:07,840
Speaker 2: I own all of my businesses one hundred percent, but

1057
00:48:08,000 --> 00:48:10,600
Speaker 2: I haven't always so my mortgage broking business, I had

1058
00:48:10,600 --> 00:48:13,000
Speaker 2: a business partner for a while, but it didn't work out.

1059
00:48:13,040 --> 00:48:15,200
Speaker 2: But the reason it worked out, I suppose in my

1060
00:48:15,360 --> 00:48:19,120
Speaker 2: favor was because I'd set it up properly from the beginning. Yeah,

1061
00:48:19,120 --> 00:48:21,799
Speaker 2: and I also had a shareholder's agreement, which you'll need

1062
00:48:21,840 --> 00:48:26,040
Speaker 2: a lawyer for. But your accountant a quote good accountant

1063
00:48:26,080 --> 00:48:29,680
Speaker 2: will have a good lawyer that sets up shareholders agreements,

1064
00:48:29,960 --> 00:48:32,600
Speaker 2: so you can go through that and structure yourself properly

1065
00:48:32,760 --> 00:48:34,480
Speaker 2: so that you aren't screwed over.

1066
00:48:34,840 --> 00:48:35,360
Speaker 3: Yeah.

1067
00:48:35,400 --> 00:48:38,160
Speaker 2: The next person said, going through a divorce, now I

1068
00:48:38,200 --> 00:48:40,600
Speaker 2: can say with confidence that you need to know.

1069
00:48:41,600 --> 00:48:45,080
Speaker 3: Completely because that then de facto or married, that then

1070
00:48:45,200 --> 00:48:47,480
Speaker 3: impacts potentially the division of assets.

1071
00:48:47,480 --> 00:48:50,440
Speaker 2: Wild. Somebody else said people need to be able to

1072
00:48:50,480 --> 00:48:54,040
Speaker 2: talk about money without getting touchy. You need more open conversation.

1073
00:48:55,040 --> 00:48:58,200
Speaker 2: We got another person say, I'm a corporate lawyer, and

1074
00:48:58,239 --> 00:49:01,760
Speaker 2: I strongly and she put four exclamation points in brackets

1075
00:49:02,080 --> 00:49:07,359
Speaker 2: strong really strongly suggest they document their arrangement. True. And

1076
00:49:07,480 --> 00:49:10,279
Speaker 2: that might mean that full starters, you're just putting it

1077
00:49:10,320 --> 00:49:12,960
Speaker 2: in an email, yeah, Like, and that could be like,

1078
00:49:13,080 --> 00:49:16,200
Speaker 2: let's pretend you've then had this conversation with your partner, yeah,

1079
00:49:16,200 --> 00:49:18,759
Speaker 2: and your partner's been like, oh, maybe it's not You

1080
00:49:18,800 --> 00:49:21,680
Speaker 2: could start with an email to your business partner being like, hey,

1081
00:49:21,719 --> 00:49:23,719
Speaker 2: you just thought i'd pop this in an email. I

1082
00:49:23,800 --> 00:49:25,920
Speaker 2: just want to document this. Do you want me to

1083
00:49:25,960 --> 00:49:29,239
Speaker 2: take the next steps to registering the business officially, just

1084
00:49:29,280 --> 00:49:31,800
Speaker 2: so that you're starting to create your own pay per trayals,

1085
00:49:31,960 --> 00:49:35,200
Speaker 2: so that if anything falls back on you can be like, no, no, no,

1086
00:49:35,280 --> 00:49:37,200
Speaker 2: Remember this email I sent you where I said this

1087
00:49:37,320 --> 00:49:40,640
Speaker 2: is what we had and you agreed. Yeah, so you've

1088
00:49:40,680 --> 00:49:43,200
Speaker 2: got to be a little bit smart about it. Somebody

1089
00:49:43,280 --> 00:49:46,719
Speaker 2: else said he might be being defensive because he knows

1090
00:49:46,719 --> 00:49:48,840
Speaker 2: he's messed up. Oh that's true.

1091
00:49:49,200 --> 00:49:51,160
Speaker 3: Oh yeah, but also, don't take it out on the people.

1092
00:49:51,160 --> 00:49:53,000
Speaker 4: It's kind of I know they're so mean.

1093
00:49:54,000 --> 00:49:56,920
Speaker 2: Yeah, no, no. But also sometimes if I make a mistake,

1094
00:49:57,000 --> 00:49:58,440
Speaker 2: I get a bit defensive, and then I have to

1095
00:49:58,520 --> 00:50:01,759
Speaker 2: check myself and be like, oh, sorry about that, Sorry,

1096
00:50:01,800 --> 00:50:06,520
Speaker 2: sorry about that. Someone else said, I think it's only

1097
00:50:06,640 --> 00:50:10,640
Speaker 2: her business. If they are getting married and joining finances.

1098
00:50:10,440 --> 00:50:12,360
Speaker 3: Well, I think they're buying a house together. Sounds like

1099
00:50:12,400 --> 00:50:13,600
Speaker 3: they have shared financial goals.

1100
00:50:13,600 --> 00:50:13,920
Speaker 2: I don't think.

1101
00:50:14,120 --> 00:50:16,719
Speaker 3: I don't think marriage for me is the bar not

1102
00:50:16,760 --> 00:50:19,680
Speaker 3: necessarily gets married exactly, We're never going to get.

1103
00:50:19,520 --> 00:50:23,160
Speaker 2: Married, so marriage is expensive. These days. I feel like

1104
00:50:23,200 --> 00:50:25,239
Speaker 2: so many of my friends are choosing do I get

1105
00:50:25,239 --> 00:50:28,000
Speaker 2: married or do I buy my first house? Yeah, Like

1106
00:50:28,040 --> 00:50:30,279
Speaker 2: there's no Oh, we're going to get married and then

1107
00:50:30,280 --> 00:50:33,000
Speaker 2: we're going to buy a house. It's all kind of

1108
00:50:33,040 --> 00:50:37,040
Speaker 2: like you're choosing the big financial commitment. Yeah. So I

1109
00:50:37,040 --> 00:50:41,080
Speaker 2: feel like and also legally living with someone de facto

1110
00:50:41,200 --> 00:50:42,560
Speaker 2: gives you the same, right.

1111
00:50:43,200 --> 00:50:46,880
Speaker 4: True, he's be like, I promise I'm cleaning to you.

1112
00:50:47,040 --> 00:50:47,680
Speaker 4: I swear to God.

1113
00:50:48,600 --> 00:50:52,239
Speaker 2: I feel like I would prefer to try and get

1114
00:50:52,239 --> 00:50:53,960
Speaker 2: out of a marriage than a mortgage.

1115
00:50:54,560 --> 00:50:55,680
Speaker 5: Yeah.

1116
00:50:55,960 --> 00:50:59,640
Speaker 2: Oh yeah, I don't know. I don't know, I know anyway.

1117
00:51:00,000 --> 00:51:01,240
Speaker 5: Someone else said, it's scary.

1118
00:51:01,520 --> 00:51:04,040
Speaker 2: It doesn't make sense why he wouldn't share the details

1119
00:51:04,040 --> 00:51:06,360
Speaker 2: on how the business is doing. Shouldn't he be proud?

1120
00:51:06,840 --> 00:51:09,680
Speaker 3: Yeah, and if it's not doing well, like that's what

1121
00:51:09,760 --> 00:51:12,600
Speaker 3: your partner's for, Like you share good and bad, like

1122
00:51:12,640 --> 00:51:13,600
Speaker 3: you help each other through it.

1123
00:51:14,120 --> 00:51:19,319
Speaker 2: Someone else said, hello, lawyer talking gal and then all

1124
00:51:19,320 --> 00:51:22,880
Speaker 2: in capitals with collaps around it, contracts are there to

1125
00:51:22,960 --> 00:51:28,239
Speaker 2: protect you. Amen that. Someone else said it's completely fine

1126
00:51:28,280 --> 00:51:31,759
Speaker 2: and normal to have separate investments. So those I guess

1127
00:51:31,760 --> 00:51:33,880
Speaker 2: that's a good summary of all the comments that were received.

1128
00:51:33,960 --> 00:51:36,399
Speaker 2: But I think it is a bit of a red

1129
00:51:36,400 --> 00:51:38,400
Speaker 2: flag that he doesn't want to talk about it. But

1130
00:51:38,480 --> 00:51:41,480
Speaker 2: also maybe he's just like stop butting your nose in,

1131
00:51:42,040 --> 00:51:44,280
Speaker 2: Like I don't know. Maybe he just doesn't want input,

1132
00:51:44,360 --> 00:51:47,680
Speaker 2: which is totally okay, but like, hey, I don't want

1133
00:51:47,680 --> 00:51:49,440
Speaker 2: to give you feedback on it, Like can you just

1134
00:51:50,320 --> 00:51:52,360
Speaker 2: make me feel like this isn't scary?

1135
00:51:52,520 --> 00:51:54,880
Speaker 4: Yeah, communicate It'd be like, oh, I would rather not

1136
00:51:55,040 --> 00:51:57,479
Speaker 4: give your advice in case aertain something in my mind,

1137
00:51:57,480 --> 00:51:59,640
Speaker 4: but I will give you the information, but anything, it's

1138
00:51:59,680 --> 00:52:02,160
Speaker 4: all you, all your parton needs to say if that's

1139
00:52:02,200 --> 00:52:04,839
Speaker 4: the reason, what like why he's not saying yeah?

1140
00:52:04,880 --> 00:52:06,719
Speaker 2: And then there's me on the flip side. I'm like,

1141
00:52:07,040 --> 00:52:08,960
Speaker 2: so this is what I'm planning on doing, Steve, And

1142
00:52:08,960 --> 00:52:11,520
Speaker 2: then he goes, yeah, okay, but what do you think?

1143
00:52:11,560 --> 00:52:15,200
Speaker 2: And he goes I said, okay, but what do you think?

1144
00:52:15,200 --> 00:52:17,360
Speaker 2: What's your advice? And he's like, you told me you

1145
00:52:17,480 --> 00:52:21,560
Speaker 2: don't want my advice, that's correct. What do you think?

1146
00:52:21,960 --> 00:52:24,920
Speaker 2: I am the worst? I'm the worst? All right, guys.

1147
00:52:25,239 --> 00:52:27,160
Speaker 2: I feel like that was really fun. I feel like

1148
00:52:27,160 --> 00:52:30,000
Speaker 2: that that was a good one, and the previous one

1149
00:52:30,040 --> 00:52:32,560
Speaker 2: about the landlord was really spicy. I feel like we've

1150
00:52:32,600 --> 00:52:34,799
Speaker 2: had a good week of content and someone slipped into

1151
00:52:34,800 --> 00:52:37,520
Speaker 2: their five star review a question. I feel like that

1152
00:52:37,640 --> 00:52:40,960
Speaker 2: just adds to the richness smart leave a five star

1153
00:52:41,000 --> 00:52:43,480
Speaker 2: review with a question and it'll get answered on the show,

1154
00:52:43,520 --> 00:52:46,359
Speaker 2: which is very exciting. But guys, I think that is

1155
00:52:46,400 --> 00:52:48,759
Speaker 2: all we have time for today. But before we go,

1156
00:52:49,600 --> 00:52:51,239
Speaker 2: do you know what happened recently?

1157
00:52:52,280 --> 00:52:54,200
Speaker 3: Could it be on theme in the business space?

1158
00:52:54,400 --> 00:52:57,719
Speaker 2: Oh my gosh, it's almost like my fifth book, The

1159
00:52:57,760 --> 00:53:02,040
Speaker 2: Business Bible, came out, which is really really fun. I

1160
00:53:02,080 --> 00:53:05,000
Speaker 2: know that that obviously, you guys might be getting sick

1161
00:53:05,040 --> 00:53:07,840
Speaker 2: of my books at this point, but I'm not. So

1162
00:53:07,960 --> 00:53:10,400
Speaker 2: could you please just let me have this moment to

1163
00:53:10,480 --> 00:53:13,320
Speaker 2: promote the fact that my business book, which is arguably

1164
00:53:13,320 --> 00:53:15,719
Speaker 2: one that I am most proud of because it's just

1165
00:53:15,719 --> 00:53:18,560
Speaker 2: got so many juicy business stories and like helps you

1166
00:53:18,920 --> 00:53:21,920
Speaker 2: in I guess these situations where you know, should I

1167
00:53:21,920 --> 00:53:23,880
Speaker 2: have a contract? Absolutely, you should have a contract. I

1168
00:53:23,920 --> 00:53:26,840
Speaker 2: talk about it in my book. I have business diaries

1169
00:53:26,880 --> 00:53:29,279
Speaker 2: in my book. Anyway, I think that would be a

1170
00:53:29,280 --> 00:53:31,960
Speaker 2: really good Christmas present if anyone's looking for, you know,

1171
00:53:32,239 --> 00:53:35,200
Speaker 2: a Christmas present for a small business gal or guy

1172
00:53:35,280 --> 00:53:38,200
Speaker 2: this Christmas season. I'll put all the information in the

1173
00:53:38,200 --> 00:53:40,240
Speaker 2: show notes, but that's it for me. I just wanted

1174
00:53:40,280 --> 00:53:42,000
Speaker 2: to shamelessly plug my own content.

1175
00:53:42,480 --> 00:53:45,480
Speaker 3: Absolutely, you should available at all good bookstores and also online.

1176
00:53:45,560 --> 00:53:47,560
Speaker 3: And it's probably on sale right now as well.

1177
00:53:47,600 --> 00:53:49,680
Speaker 2: It is. You can always find it on sale. And honestly,

1178
00:53:49,719 --> 00:53:51,400
Speaker 2: would you be if She's on the Money girl, if

1179
00:53:51,440 --> 00:53:52,880
Speaker 2: you weren't buying my stuff on sale?

1180
00:53:53,160 --> 00:53:54,080
Speaker 3: We are here for it.

1181
00:53:54,160 --> 00:53:56,920
Speaker 2: We so many people are like, oh, I didn't want

1182
00:53:56,960 --> 00:53:59,239
Speaker 2: to buy it on sale. I might, thank you. That's

1183
00:53:59,360 --> 00:54:01,920
Speaker 2: very kind. Please buy it on sale, yes, like I

1184
00:54:02,040 --> 00:54:04,719
Speaker 2: love that. Anyway, have a good week, guys. We will

1185
00:54:04,719 --> 00:54:06,760
Speaker 2: see you bright early on Monday for a money Darry.

1186
00:54:06,960 --> 00:54:12,640
Speaker 3: Bye, guys Bye.

1187
00:54:14,000 --> 00:54:16,520
Speaker 6: The advice shared on She's on the Money is general

1188
00:54:16,600 --> 00:54:20,440
Speaker 6: in nature and does not consider your individual circumstances. She's

1189
00:54:20,480 --> 00:54:23,960
Speaker 6: on the Money exists purely for educational purposes and should

1190
00:54:23,960 --> 00:54:27,160
Speaker 6: not be relied upon to make an investment or financial decision.

1191
00:54:27,520 --> 00:54:30,000
Speaker 2: If you do choose to buy a financial product.

1192
00:54:29,800 --> 00:54:33,640
Speaker 6: Read the PDS TMD and obtain appropriate financial advice.

1193
00:54:33,360 --> 00:54:34,720
Speaker 2: Tailored towards your needs.

1194
00:54:35,080 --> 00:54:39,040
Speaker 6: Victoria Divine and She's on the Money are authorized representatives

1195
00:54:39,080 --> 00:54:42,960
Speaker 6: of Money sheirper Pty ltd ABN three two one IS

1196
00:54:43,000 --> 00:54:46,879
Speaker 6: six four nine two seven seven zero eight AFSL four

1197
00:54:46,960 --> 00:54:49,640
Speaker 6: five one two eight nine