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Speaker 1: My name's Sasha Bamblet. I'm a proud First Nations woman

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Speaker 1: and I'm here to acknowledge country t Glenn Young Ganya, Niana,

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Speaker 1: Kaka yah y and beIN Ahaka Nian our gay In

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Speaker 1: Mbini yakarum Jar Dominyamiga Umagahawaka Woman Damon Imlan Bumba ban

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Speaker 1: Gadabomba in and now in wakah ghan On yak rum

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Speaker 1: Jar water Nadaa. Hello, beautiful friends, we gather on the

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Speaker 1: lands of the Aboriginal people. We thank acknowledge and respect

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Speaker 1: the Abiginal people's land that we're gathering on today. Take

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Speaker 1: pleasure in all the land and respect all that you see.

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Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections,

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Speaker 1: bringing you the tools, knowledge and resources for you to thrive.

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

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

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Speaker 3: that makes personal finance fun, especially on Fridays. It is

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Speaker 3: our favorite day of the week because we are very

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Speaker 3: lucky and we get our team together to celebrate you

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Speaker 3: the incredible She's on the Money community. The only person

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Speaker 3: I have here with me today is actually Miss Jess Grici,

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Speaker 3: who is as always going to be sharing her money

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Speaker 3: wins and confessions. Beck's not here, but she did leave

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Speaker 3: us with some broke tips which I will share with you. Guys.

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Speaker 3: We're going to be helping to answer a money dilemma

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Speaker 3: which is all about how to prepare for dropping down

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Speaker 3: to one income from maternity leave and something that you

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Speaker 3: slid into our DMS about this week. Is it a

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Speaker 3: bad idea to prioritize travel as a money goal over

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Speaker 3: buying a house? Mister Gerricci, Before we get there, how

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Speaker 3: was your week?

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Speaker 4: My week has been so good. You've seen in the

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Speaker 4: office I have been trawling the Amazon.

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Speaker 3: Oh yeah, you're not even like in the office doing it.

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Speaker 3: You're all over our group chat as well, like you

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Speaker 3: are trying to influence me to write all the stuff

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Speaker 3: that you're buying because you've had it in your cart

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Speaker 3: for so long.

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Speaker 4: Genuinely, you guys, now, I love Amazon. We've been working

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Speaker 4: with them. The big deal days are on and I

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Speaker 4: feel like it's such a good time to be buying

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Speaker 4: stuff for Christmas, because you know, I love an early

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Speaker 4: Christmas buy to put.

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Speaker 3: It on percent and an early group message like why

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Speaker 3: are you messaging us at seven thirty with like, hey, guys,

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Speaker 3: did you see this? No, we didn't, jest, we haven't

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Speaker 3: sat in front of our computer yet, but you are

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Speaker 3: doing work for us absolutely.

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Speaker 4: And I've pulled out a list I thought I could

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Speaker 4: share with you a couple of the really good deals

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Speaker 4: I thought people might like.

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Speaker 3: Yes, I mean I've seen them in group chat already,

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Speaker 3: but share with the community absolutely.

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Speaker 4: All right. First, one big one for anyone who knows me.

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Speaker 4: Ninja slashy. Yeah, thirty percent off.

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Speaker 3: What's the Ninja creamy though, because I've decided the Ninja

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Speaker 3: slushy you can have at your house, but you can

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Speaker 3: come to my house for the creamy is on all

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Speaker 3: ninja stuff.

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Speaker 4: It is on stuff sory.

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Speaker 3: I just realized I got that wrong. Ninjaslashy forty percent off?

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Speaker 3: Oh okay injore creamy. Okay, that's a good idea. Is

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Speaker 3: the Ninja creamy swirl included in that? Because like I

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Speaker 3: have been going down what you could say is a

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Speaker 3: massive rabbit hole. Yeah, and I need that in my house.

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Speaker 4: Oh, it looks incredible. It is also on say, I

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Speaker 4: don't remember the percentage.

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Speaker 3: Was also included. A deal is a deal.

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Speaker 4: One hundred percent.

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Speaker 3: What else have you got?

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Speaker 4: Robo rock vacuums up to sixty percent off?

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Speaker 3: Sorry sixty I know that people are basically giving them

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Speaker 3: away for free, like and I shouldn't say that because

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Speaker 3: I should be like put twenty four hours between you

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Speaker 3: and you're spending. But like brooking our team. She's like

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Speaker 3: the queen of robot vacuums. Like if she walked into

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Speaker 3: your house, I think the robot vacuum would come up

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Speaker 3: to her and be like, oh all hell, robot vacuum queen.

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Speaker 3: But like, sixty percent is a good deal.

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Speaker 4: It is a really good deal. And the sale is

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Speaker 4: on until the thirteenth, so you do you have the

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Speaker 4: time to put twenty four hours and you're spending.

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Speaker 3: Which reminder you absolutely should. But like, sorry, are you

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Speaker 3: Christmas shopping already as well? Literally this year, I just

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Speaker 3: feel the pressure. I don't know why. Why am I

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Speaker 3: feeling the pressure in October? I be buying Christmas presents now.

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Speaker 4: I think it's good because you can get ready early,

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Speaker 4: get it done, I get it on sale, save some money.

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Speaker 4: Someone in my family wanted to Kindle eighteen percent off

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Speaker 4: done and dusted, Lego set to twenty percent off if

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Speaker 4: you've got kids, and.

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Speaker 3: Then buying, do you plow this Christmas as well? Perfect?

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Speaker 3: Get on there's Eve, it's on sale. Oh my god.

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Speaker 3: I think that's genius. But then also, sorry, good a

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Speaker 3: reminder that a lot of sales don't happen closer to Christmas.

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Speaker 3: So if you're trying to snag a deal, maybe now's

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Speaker 3: the time to shine.

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Speaker 4: Yeah. I don't want to be fighting with people in

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Speaker 4: the aisles. I don't want to be stressing a week

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Speaker 4: before Christmas. I'm going to get it all done now.

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Speaker 3: Yeap, genius, I'll still be stressing. But that's okay. Let's

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Speaker 3: put some info in the show notes because I know

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Speaker 3: that people are going to be interested in that. How

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Speaker 3: do you I love this. I am good. I'm live,

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Speaker 3: laugh loving my way into October. I will say that

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Speaker 3: it has been such a chaotic period of time for us.

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Speaker 3: We have sold our house, like that's you know, I

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Speaker 3: guess all news now, but like just going through this

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Speaker 3: process is just so stressful. We're talking about okay, well,

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Speaker 3: now settlements coming up soon, like obviously not that soon,

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Speaker 3: but in a a month or two, and I just go,

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Speaker 3: We've got to get everything out of the house. Where

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Speaker 3: are we going with that? What does storage look like?

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Speaker 3: And doing that with a toddler in the house hard?

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Speaker 3: I bet it's not just it's the mental load, I think. Yeah,

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Speaker 3: And I'm just and I have a fantastic husband, please

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Speaker 3: don't get me wrong, we're both sharing that. But I'm

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Speaker 3: always like, low key, just don't want to do it.

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Speaker 4: Moving such a big thing. Yeah.

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Speaker 3: And I was talking to a couple of girls in

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Speaker 3: the office about it yesterday and I was like, oh, yeah,

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Speaker 3: it's not too hard. And then I was like, oh,

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Speaker 3: the plastic drawer in my kitchen that I keep avoiding, Yeah,

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Speaker 3: should I go through that? Like do you know what

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Speaker 3: I mean? It's like the shed. Do I have to

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Speaker 3: do this shed? Or do I like bunch everything into

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Speaker 3: boxes so that when we move into a new house,

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Speaker 3: like I just reopen it and go, wow, now I'll

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Speaker 3: deal with it, or just currently deal with it so

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Speaker 3: that future me has a better time.

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Speaker 4: I'm a fan of doing it pre move personally. It's

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Speaker 4: less things too. It feels redundant to move it and

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Speaker 4: then color it, you know, if I.

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Speaker 3: Need it though, Like I don't need two can openers,

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Speaker 3: but we have two can openers. Yeah, which one do

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Speaker 3: you pick that are you paying? Yeah, b you paying favorites?

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Speaker 3: And does my husband agree with that? Being the nicer

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Speaker 3: can opener?

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Speaker 5: Yeah.

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Speaker 4: Have you seen the people on TikTok. They go through

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Speaker 4: their mug collection. They have a one in, one out.

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Speaker 4: This is so funny.

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Speaker 3: We're TikTok mugs and you.

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Speaker 4: Just end up with like heaps of them for no reason.

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Speaker 4: They had too many. They're like, that's not me. I

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Speaker 4: do not own enough mugs.

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Speaker 3: Oh, there you go.

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Speaker 4: But they were like, we need to implement a one in,

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Speaker 4: one out rule, and so they make these tiktoks where

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Speaker 4: if they want to buy a new mug, it's like

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Speaker 4: Survivor and they take turns like drafting there until there's

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Speaker 4: one mug left that they get rid of it and

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Speaker 4: they bring the new. As I'm explaining, I go, wow,

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Speaker 4: that's very dull. But would you please send that Yes?

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Speaker 2: Absolutely, I love it.

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Speaker 3: I'm on the side of TikTok. I think it's Oregon

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Speaker 3: fishing TikTok oh niche, yes, but let me just let

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Speaker 3: me pitch this to you again, completely niche side of TikTok,

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Speaker 3: which tells me that you and I have very different

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Speaker 3: tasting content, so it's not just fishing videos. In fact,

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Speaker 3: this guy gets you and you're watching an Oregon fishing video.

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Speaker 3: Before you know, you're watching an Oregon fishing video, and

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Speaker 3: then you're too far in. He actually catfishes men online

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Speaker 3: who have pictures of fish in their profile pictures, right,

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Speaker 3: And then it's kind of wholesome because he doesn't like

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Speaker 3: do anything bad, but he you know, lures them in

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Speaker 3: by asking what their favorite fishing locations are, and then

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Speaker 3: his videos are him reviewing the fishing locations.

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Speaker 4: Oh, I love that. I like this sounds like it

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Speaker 4: could be a little bit of fair really, And.

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Speaker 3: Then he's just got this way of like editing the

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Speaker 3: videos that you're like, wow, he brings back all of

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Speaker 3: these like old school videos and clips that like feel

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Speaker 3: nostyle duke. Then you're watching them, and then all of

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Speaker 3: a sudden you're watching an Oregon fishing video again. You're like,

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Speaker 3: damn me, got me. And you know when you like

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Speaker 3: watch one or two videos and then all of a sudden,

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Speaker 3: that's all your fat, that's your entire feed.

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Speaker 4: Yeah, don't send it to me. I don't want to

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Speaker 4: be on fishing target.

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Speaker 3: I mean to send it so many of them. All right,

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Speaker 3: all right, all right, speaking of online, we have an

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Speaker 3: online at five star review that I would love to

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Speaker 3: share with you. Are you ready to hear it? Okay,

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Speaker 3: So this one comes from KDEZ Investing Diaries, Keep them coming.

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Speaker 3: Five stars. I loved the episode with the and brook

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Speaker 3: going through Brooks investment portfolio and her strategy. Would love

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Speaker 3: to hear more things like this.

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Speaker 4: Okay, that away for later. That was a really good episode,

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Speaker 4: but it's a great job.

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Speaker 3: I picked that five star review because, Hi, guys, if

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Speaker 3: you've got an investment strategy that you're willing to share

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Speaker 3: on the podcast and we can go through with a

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Speaker 3: fine tooth comb, submit a money diary via our website

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Speaker 3: because I would love to hear it and like, there's

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Speaker 3: nothing juicier and being like, what do you own Jess?

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Speaker 4: Yeah, it's you own it.

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Speaker 3: And Jess and I are currently in the same hole

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Speaker 3: with the same biopharmaceutical stock that Brooke and I were

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Speaker 3: talking about that we took a punt on. But I

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Speaker 3: would say that Jess has been better at it because

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Speaker 3: I invested in it and stopped and then Jess is

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Speaker 3: consistently invested in it and you're not in a bad

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Speaker 3: position with them anymore.

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Speaker 4: I'm up a decent amount, but also I am down.

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Speaker 4: My anticipation is once they finished the trials, that's when

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Speaker 4: you'll see.

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Speaker 3: See I'm still committed as well, assuming.

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Speaker 4: The trial goes well. Obviously, all investin contains risk, not

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Speaker 4: financial advice.

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Speaker 3: That past performance is not indicative of future performance, absolutely,

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Speaker 3: which I've learned because the past performance of this stock

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Speaker 3: was amazing and then she went down. Anyway, Miss Jess Gerchi,

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Speaker 3: tell me about our community. I want to know what

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Speaker 3: are your favorite money wins from the week.

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Speaker 4: So firstly, this week, I've got a money win from Sus,

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Speaker 4: who said she went to a quiz night on Friday

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Speaker 4: to support her local score. She spent four bucks on

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Speaker 4: raffle tickets. She won the major prize, which was two

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Speaker 4: Pennicott Wilderness Cruise tickets worth four hundred bucks.

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Speaker 3: Oh my god.

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Speaker 4: And I don't know what a Pennicott Wilderness cruise is,

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Speaker 4: but it sounds fun and four dollars is a bargain.

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Speaker 3: All I heard is that you paid four dollars for

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Speaker 3: a four hundred dollars thing, and that's a money win

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Speaker 3: in my eyes. Wild done, Sus.

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Speaker 4: Next I've got a money in from Lisa, who said

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Speaker 4: it's a big day for her money win. She went

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Speaker 4: to the local tafe as a nail model for her

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Speaker 4: friend's daughter and got a full set of acrylic nails

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Speaker 4: for ten dollars, and she said she did a great job.

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Speaker 4: She put in a little photo they look very cute.

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Speaker 3: Oh cute, very.

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Speaker 4: Nice, and then she said money loss. She got a

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Speaker 4: rejection letter for a higher role at work.

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Speaker 3: Unfortunately, but that's okay because you put your hat in

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Speaker 3: the ring and now please you might not have the job.

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Speaker 3: You have more experience, you have more confidence, and next

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Speaker 3: time you know that you can go for it again.

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Speaker 3: Worst thing that can happen, Jess.

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Speaker 4: They say no exactly, and now they know you're interested,

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Speaker 4: which I think is a big win.

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Speaker 3: Yeah, They're like, she's not going to want to stay

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Speaker 3: in this role. We're going to have to make.

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Speaker 4: Room exactly right. Next I've got a money win from Mike,

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Speaker 4: who said he followed our advice about negotiating our your

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Speaker 4: mobile phone bill. He called and went straight through to

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Speaker 4: someone at Retention who reduced his plan from fifty five

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Speaker 4: dollars to twenty five dollars.

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Speaker 3: That is so good. Less than a half.

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Speaker 4: No hesitation on their part. He said, the whole process

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Speaker 4: took less than five minutes.

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Speaker 3: I love that. Can I chime in with a money

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Speaker 3: win from my nana please? Zella from Zella. So Zella

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Speaker 3: is currently staying with my parents sover from Tasmania, and

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Speaker 3: my mum found out her phone bill and was like

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Speaker 3: absolutely not. In fact, mum was that's not a money

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Speaker 3: win and marched her down to the phone company and

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Speaker 3: have switched my nana from paying like one hundred and

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Speaker 3: fifty dollars a month because phone companies just leave old

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Speaker 3: people on their old contract. No, I was a month.

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Speaker 3: Don't even start it. I'm about to send a very

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Speaker 3: salty email because my grandpa passed away like more than

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Speaker 3: ten years ago. That's okay, why are we still paying

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Speaker 3: his phone plan?

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Speaker 4: But did they know?

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Speaker 3: I don't know. Yeah, I don't know. But it didn't

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Speaker 3: get used for ten years. The number's been disconnected, so

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Speaker 3: why are we paying for it? That's crazy anyway, that's

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Speaker 3: another story for another day. But my nana has just

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Speaker 3: purchased a sim only plan for like thirty nine dollars

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Speaker 3: last six months, so much better stop it, Nana, Like,

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Speaker 3: that's a good deal. And she came home and she said,

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Speaker 3: I've got a money win for you. I was like,

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Speaker 3: tell me, tell me, I'll put it on the show.

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Speaker 3: Don't worry, Nana. She's never listened to my podcast. I

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Speaker 3: don't even know if she can access it, but like,

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Speaker 3: I did it for you. Now shout out to Sala

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Speaker 3: if she's listening. It's also a good reminded for everyone

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Speaker 3: checking on your grandparents and just make sure that all

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Speaker 3: excuse me, is anyone taking advantage of you, because that's awful.

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Speaker 3: They just go, oh, life's expensive, No worries, ducky not

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Speaker 3: no so much money?

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Speaker 4: Oh my goodness. Next, I've got money in this week

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Speaker 4: from Lily who said she's six months pregnant and a

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Speaker 4: week post COVID. They scrubbed the hell out of their

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Speaker 4: hopefully last ever bond clean and got the full bond

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Speaker 4: back and she said there's nothing like telling a guy

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Speaker 4: his new TV budget depends on the bond being returned.

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Speaker 3: Pitch made TV's are expensy. Ah, well done.

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Speaker 4: And then last of this week, I've got a money

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Speaker 4: in from Christine who said she signed up a few

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Speaker 4: months back for an adopt a fruit tree program through

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Speaker 4: her local council where you got a free fruit tree

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Speaker 4: to be planted in their yard. She got home today

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Speaker 4: to find a baby peach tree sitting there ready to go.

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Speaker 4: It's still got a bit of growing to do, but

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Speaker 4: eventually it'll give her free fruit and look amazing.

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Speaker 3: Stop her a little peach tree that's so down your alley.

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Speaker 4: And local council coming through once again.

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Speaker 3: Jess needs to go work for local friends. I actually should.

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Speaker 3: I love it, Like, I don't agree with that, but

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Speaker 3: like if you quit and said I'm going to work

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Speaker 3: for Burindara, I'd be like, you know what, I'm not

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Speaker 3: even surprised. Like the story checks out all right. So

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Speaker 3: I am lucky because while beck is not here, I

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Speaker 3: get to do broke tips. So would you like to

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Speaker 3: hear them?

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Speaker 4: Of course?

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Speaker 3: So these have all obviously come from our community, and

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Speaker 3: the first one I have got is from Hannah. She said.

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Speaker 3: Sign up to your local gym that has a crash

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Speaker 3: rather than having daycare fees, I pay twenty bucks a

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Speaker 3: week and the kids go to Krash for up to

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Speaker 3: two hours a day. Some days I just chill and

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Speaker 3: do some reading at the gym, or I do things

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Speaker 3: on my laptop while they're in creation get some life

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Speaker 3: admin kicked out. I didn't know that was a thing,

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Speaker 3: neither did I.

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Speaker 4: That's so smart.

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Speaker 3: So you're telling me that you can just drop your

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Speaker 3: kid off, and I'm assuming that there's like rules and

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Speaker 3: regulations around you probably not being allowed to leave the premise,

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Speaker 3: like you've got a UNI a sign and your mom,

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Speaker 3: or you've got like you know, some life admin or

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Speaker 3: want to get through your emails. Sorry, two hours is golden.

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Speaker 4: Yeah, I'm just mind boggled that you could just drop

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Speaker 4: them off at the crazy at the thing.

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Speaker 3: That's insane. That's that's elite. That is good money, money win,

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00:14:14,679 --> 00:14:17,280
Speaker 3: or a good broke teap I reckon. The next one

328
00:14:17,320 --> 00:14:20,600
Speaker 3: is from our friend Cassie. She says, check old loyalty

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Speaker 3: apps you might not have logged into for a while.

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Speaker 3: I logged into my Zassafras app after nearly three years

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00:14:27,120 --> 00:14:30,200
Speaker 3: to see I had fifteen dollars in drink credit and

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Speaker 3: as my birthday was last month, I still had a

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Speaker 3: free drink for that three free coffees for me. And

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Speaker 3: then she said, for context, that's a new South Wales

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Speaker 3: coffee chain. And I moved to Victoria three years ago.

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Speaker 3: Ohs fra someone.

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Speaker 4: There was a money win that mentions us fresh and

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Speaker 4: I was like, I don't know what that is.

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Speaker 3: So it's a coffee chain.

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Speaker 4: Oh, there you go.

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Speaker 3: It makes more sense modern.

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Speaker 4: Day equivalent of like finding money in a pocket of

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00:14:52,920 --> 00:14:54,120
Speaker 4: an old jacket or something.

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Speaker 3: Happening to us less and less. It's so disappointing. The

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00:14:57,440 --> 00:14:59,400
Speaker 3: other day I couldn't even find a two dollar coin

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Speaker 3: for my trolley, and I was like, is this really

347
00:15:01,800 --> 00:15:02,800
Speaker 3: where we're at Victoria?

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Speaker 4: It's desperate times when you're like pulling back the car

349
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Speaker 4: seat really get in your hand.

350
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Speaker 3: And also, I'm sorry, a shopping cart with a toddler

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Speaker 3: life changing. Shopping in the supermarket without the trolley and

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Speaker 3: a toddler life ruining.

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Speaker 4: I was at coals and I didn't have two dollars

354
00:15:18,960 --> 00:15:20,960
Speaker 4: and I said, oh, can I buy a token? And

355
00:15:21,000 --> 00:15:23,280
Speaker 4: they said we don't have any tokens? And I said,

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Speaker 4: so how do I access a trolley then? And they said,

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Speaker 4: don't be broke. They literally were just like you're going

358
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Speaker 4: to have to carry things in your hands.

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Speaker 3: What is this?

360
00:15:31,840 --> 00:15:33,880
Speaker 4: What do you mean? Like obviously, so like I'll bring

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Speaker 4: the trolley back, like I'm a good citizen. I just

362
00:15:36,560 --> 00:15:37,240
Speaker 4: couldn't believe it.

363
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Speaker 3: Say, do you know what this is? Why? And like

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00:15:39,160 --> 00:15:41,840
Speaker 3: shout out to coals Intoaronga because I feel like everybody

365
00:15:41,840 --> 00:15:44,040
Speaker 3: knows where I live anyway and whatever, like that's just

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00:15:44,120 --> 00:15:46,960
Speaker 3: my local at the moment. They don't have coins on

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Speaker 3: their trolleys, so I go there exclusively because the woolies

368
00:15:51,840 --> 00:15:54,680
Speaker 3: down the road. Sorry, they have coin trolleys not happening.

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Speaker 3: I can't live like that. That's not an option for me. Sorry,

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00:15:57,800 --> 00:15:58,480
Speaker 3: get it together.

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00:15:58,680 --> 00:16:01,160
Speaker 4: I just think not everybody carry a coin, so like,

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00:16:01,160 --> 00:16:01,920
Speaker 4: what do you do?

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00:16:01,960 --> 00:16:03,920
Speaker 3: You know what? We're gonna make that as merch. We're

374
00:16:03,960 --> 00:16:07,520
Speaker 3: gonna make those coins for your your keys, so that

375
00:16:07,560 --> 00:16:10,240
Speaker 3: you'll never be without me or without a coin for

376
00:16:10,280 --> 00:16:10,720
Speaker 3: the trolley.

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00:16:10,720 --> 00:16:12,160
Speaker 4: It's just your face on a coin.

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Speaker 3: Do you know what viccoin? Or what was it? Yeah? Viccoin?

379
00:16:16,400 --> 00:16:18,520
Speaker 3: Or what have we made last time? But it's actually

380
00:16:18,560 --> 00:16:20,760
Speaker 3: coming to real life and it's a grocery trolley coin,

381
00:16:20,840 --> 00:16:21,400
Speaker 3: not bitcoin?

382
00:16:21,800 --> 00:16:22,080
Speaker 4: All right.

383
00:16:22,120 --> 00:16:24,240
Speaker 3: I have a last one. This one isn't from beck

384
00:16:24,320 --> 00:16:26,480
Speaker 3: it is actually I've just gone with another community one

385
00:16:26,480 --> 00:16:28,560
Speaker 3: because I thought it was really good. This one's from

386
00:16:28,640 --> 00:16:31,800
Speaker 3: Bianca and she said I recycle all my empty beauty

387
00:16:31,840 --> 00:16:35,760
Speaker 3: and skincare containers at Sephora. In turn, I'm then given

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00:16:35,880 --> 00:16:39,680
Speaker 3: points on my beauty Pass account. When you accumulate enough points,

389
00:16:39,720 --> 00:16:42,080
Speaker 3: you can trade them in for rewards. If you have

390
00:16:42,200 --> 00:16:44,800
Speaker 3: five hundred points, you can actually get ten percent off

391
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Speaker 3: your purchase.

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Speaker 4: This is life changing for me because I don't know

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00:16:48,640 --> 00:16:51,040
Speaker 4: if you know this, I've been I don't even know

394
00:16:51,080 --> 00:16:54,000
Speaker 4: why I've been holding onto every empty product I've used

395
00:16:54,000 --> 00:16:57,600
Speaker 4: for probably the last eighteen months. Why it started as

396
00:16:57,600 --> 00:16:59,760
Speaker 4: a like I want to see what I'm actually using,

397
00:17:00,040 --> 00:17:03,920
Speaker 4: spiraled into hoarding. Yeah, it's I have a whole shelf

398
00:17:03,960 --> 00:17:06,640
Speaker 4: in my bathroom cupboard that like you open it things

399
00:17:06,720 --> 00:17:10,040
Speaker 4: like youture it bags, bags of stuff, just empty stuff.

400
00:17:10,040 --> 00:17:11,760
Speaker 3: So if I came to your house and I was like, huh,

401
00:17:12,160 --> 00:17:14,399
Speaker 3: I'm going to raides this beauty cupboard and then I

402
00:17:14,520 --> 00:17:17,359
Speaker 3: like scoop it all in take my bag home, I

403
00:17:17,359 --> 00:17:19,400
Speaker 3: would be so disappointed.

404
00:17:19,560 --> 00:17:21,560
Speaker 4: I'll post a photo somewhere because I have so.

405
00:17:21,600 --> 00:17:24,680
Speaker 3: Many and content of stuff you used and actually like.

406
00:17:25,200 --> 00:17:27,640
Speaker 3: But I really should because I always say, can you

407
00:17:27,680 --> 00:17:30,280
Speaker 3: not do you? You know you don't, but you need

408
00:17:30,320 --> 00:17:32,400
Speaker 3: to be like these are my beauty empties, because that's

409
00:17:32,440 --> 00:17:33,960
Speaker 3: the content I want to see. I don't want to

410
00:17:33,960 --> 00:17:36,199
Speaker 3: be like, here's my brand new eyes shadow I just

411
00:17:36,200 --> 00:17:38,520
Speaker 3: got I love it. Sorry, did you actually use it?

412
00:17:38,560 --> 00:17:40,600
Speaker 3: Is this worth the investment? Is this the money win?

413
00:17:40,920 --> 00:17:42,320
Speaker 4: I'll do that. I'm going to do that on TikTok

414
00:17:42,359 --> 00:17:43,760
Speaker 4: and then I'm going to take it to Sephora and

415
00:17:43,760 --> 00:17:45,439
Speaker 4: get points because I didn't know what to do with

416
00:17:45,480 --> 00:17:46,840
Speaker 4: it because you can't put it in the bin to

417
00:17:46,920 --> 00:17:50,600
Speaker 4: recycle it. What. Yeah, most beauty product components are not

418
00:17:50,760 --> 00:17:53,920
Speaker 4: like normal recyclable. You have to dispose of them, which

419
00:17:53,960 --> 00:17:55,720
Speaker 4: is the other reason I've been hoarding them is because

420
00:17:55,720 --> 00:17:57,000
Speaker 4: I was like, oh, I know, I need to take

421
00:17:57,000 --> 00:17:58,399
Speaker 4: them to like a specific place.

422
00:17:58,560 --> 00:18:00,439
Speaker 3: I was like, girl, your deu Lulu turns you're just

423
00:18:00,480 --> 00:18:03,880
Speaker 3: actually a better person than me and you're basically Captain Planet.

424
00:18:03,920 --> 00:18:07,280
Speaker 3: Because I could, I've been just putting it in the

425
00:18:07,320 --> 00:18:09,120
Speaker 3: recycling I just put.

426
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Speaker 4: A bit of bag. We'll take them to support.

427
00:18:10,320 --> 00:18:12,080
Speaker 3: I don't go through my bins. I would not win

428
00:18:12,200 --> 00:18:15,200
Speaker 3: any type of community or like council award Jess would

429
00:18:15,200 --> 00:18:19,960
Speaker 3: though you would you win Captain Plannet. And on that note,

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00:18:20,160 --> 00:18:22,600
Speaker 3: all right, let's go to a really quick break because

431
00:18:22,640 --> 00:18:24,600
Speaker 3: on the flip side. We're going to be talking about

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Speaker 3: how to prepare for dropping down to one income for

433
00:18:27,119 --> 00:18:29,439
Speaker 3: maternity leave. And then something that you slid into our

434
00:18:29,520 --> 00:18:33,080
Speaker 3: dms about is it about idea to prioritize travel as

435
00:18:33,080 --> 00:18:37,320
Speaker 3: a money goal over purchasing a house. Guys, don't go anywhere.

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00:18:41,440 --> 00:18:44,119
Speaker 4: Welcome back, everybody. Let's take a listen to this week's

437
00:18:44,240 --> 00:18:45,200
Speaker 4: money dilemma.

438
00:18:47,440 --> 00:18:49,840
Speaker 3: Hi, there, have you got a money dilemma you just

439
00:18:49,840 --> 00:18:52,400
Speaker 3: can't solve? The Sheese on the Money team is here

440
00:18:52,400 --> 00:18:55,640
Speaker 3: to help. Every week we tackle your dilemmas, both big

441
00:18:55,680 --> 00:18:58,399
Speaker 3: and small, to answer your most burning money, career and

442
00:18:58,480 --> 00:19:01,640
Speaker 3: life questions. To get him, simply head to our website

443
00:19:01,680 --> 00:19:03,800
Speaker 3: and leave us a short voice recording and you might

444
00:19:03,880 --> 00:19:06,399
Speaker 3: just find yourself on the show. Now, let's take a

445
00:19:06,440 --> 00:19:08,200
Speaker 3: listen to this week's money dilemma.

446
00:19:10,720 --> 00:19:13,160
Speaker 5: Hi, Shoes on the Money. I was just wondering if

447
00:19:13,200 --> 00:19:16,560
Speaker 5: you could do a segment on preparing for maternity leave.

448
00:19:16,640 --> 00:19:19,720
Speaker 5: So we're planning to fell pregnant within the next twelve

449
00:19:19,760 --> 00:19:22,240
Speaker 5: months and we're kind of looking at how to manage

450
00:19:22,280 --> 00:19:26,720
Speaker 5: our finances by coming back onto one income and how

451
00:19:26,720 --> 00:19:30,160
Speaker 5: to just balance everything there. If you have any advice

452
00:19:30,640 --> 00:19:32,760
Speaker 5: that would be greatly appreciated. Thank you.

453
00:19:32,840 --> 00:19:34,679
Speaker 4: Not that I've had to deal with it before, but

454
00:19:34,840 --> 00:19:38,520
Speaker 4: I would say my best guess would be start living

455
00:19:38,680 --> 00:19:40,840
Speaker 4: off of one income. Now, while you don't have to

456
00:19:40,880 --> 00:19:44,440
Speaker 4: do a good well, you've got a luxury of knowing

457
00:19:44,560 --> 00:19:46,399
Speaker 4: that you've got the money that you can fall back on.

458
00:19:46,480 --> 00:19:48,199
Speaker 4: Because I think it's like a double win, right, you

459
00:19:48,240 --> 00:19:50,720
Speaker 4: will figure out how much you actually do need to live. So, like,

460
00:19:50,800 --> 00:19:53,359
Speaker 4: redo your budget. You know, on the assumption that this

461
00:19:53,400 --> 00:19:55,199
Speaker 4: is how much we've got coming in from the one income,

462
00:19:55,640 --> 00:19:57,480
Speaker 4: try it us to live off that. There's probably going

463
00:19:57,560 --> 00:19:59,200
Speaker 4: to be some teething where you go, oh, we thought

464
00:19:59,240 --> 00:20:01,800
Speaker 4: we could spend fifty bucks a week on takeaway. It

465
00:20:01,840 --> 00:20:04,640
Speaker 4: turns out it's actually more like seventy. Make your adjustments,

466
00:20:04,800 --> 00:20:07,320
Speaker 4: but then all the money that you save put aside

467
00:20:07,520 --> 00:20:09,320
Speaker 4: so that you can then maybe pay some of that

468
00:20:09,400 --> 00:20:12,240
Speaker 4: into you know, top up your super if there's a

469
00:20:12,280 --> 00:20:14,919
Speaker 4: gap between the government payment, or you know, just as

470
00:20:14,960 --> 00:20:17,520
Speaker 4: an emergency fund or for things for baby or whatever

471
00:20:17,560 --> 00:20:19,720
Speaker 4: you need. Like it kind of gives you those extra

472
00:20:19,800 --> 00:20:22,600
Speaker 4: savings too. But honestly, I don't really know what that

473
00:20:22,640 --> 00:20:23,119
Speaker 4: looks like.

474
00:20:23,400 --> 00:20:26,760
Speaker 3: I'd be reviewing your contracts so like right now you're in,

475
00:20:26,960 --> 00:20:30,200
Speaker 3: I would say, a pretty powerful position. You're not pregnant, yeah,

476
00:20:30,240 --> 00:20:32,720
Speaker 3: which means you've got all this planning time, and you

477
00:20:32,720 --> 00:20:35,480
Speaker 3: said we're planning on getting pregnant in the next twelve months,

478
00:20:35,480 --> 00:20:37,919
Speaker 3: and I just want to address you know, I guess

479
00:20:38,000 --> 00:20:40,800
Speaker 3: the elephant that exists when you talk about planning pregnancy

480
00:20:40,840 --> 00:20:42,600
Speaker 3: is that it might not be smooth. But like, let's

481
00:20:42,640 --> 00:20:45,000
Speaker 3: pretend it is. We're hoping it will be. Yeah, we

482
00:20:45,040 --> 00:20:47,959
Speaker 3: are manifesting that energy that when you get pregnant it

483
00:20:48,000 --> 00:20:49,800
Speaker 3: was because that was the time you wanted to and

484
00:20:49,840 --> 00:20:52,600
Speaker 3: it was all smooth and sunshine and roses. But I

485
00:20:52,600 --> 00:20:56,560
Speaker 3: think good suggestion going back to one income or even

486
00:20:56,640 --> 00:20:59,119
Speaker 3: just trying to budget and save as much as possible.

487
00:20:59,440 --> 00:21:02,040
Speaker 3: I also want you to do a maternity leave budget,

488
00:21:02,280 --> 00:21:04,680
Speaker 3: because I think so many of us go, oh, well,

489
00:21:04,720 --> 00:21:08,119
Speaker 3: we will, you know, just be really frugal during that time.

490
00:21:08,359 --> 00:21:10,679
Speaker 3: But I would say the fourth trimester, so like you

491
00:21:10,680 --> 00:21:12,679
Speaker 3: have three trimesters where you're pregnant, and then you have

492
00:21:12,760 --> 00:21:14,760
Speaker 3: the first twelve weeks of having a baby at home,

493
00:21:14,800 --> 00:21:19,520
Speaker 3: and that is for some people glorious, for others really rough.

494
00:21:19,600 --> 00:21:22,200
Speaker 3: And I was a mix of both like your hormones

495
00:21:22,240 --> 00:21:26,000
Speaker 3: are surging. Everything is so hard. I cried so much,

496
00:21:26,720 --> 00:21:30,000
Speaker 3: like and sometimes my husband would be like, why are

497
00:21:30,040 --> 00:21:33,120
Speaker 3: you crying and it'd be like, I'm now crying because

498
00:21:33,160 --> 00:21:36,159
Speaker 3: you don't know why I'm crying. And it was just

499
00:21:36,320 --> 00:21:40,920
Speaker 3: a chaos period, right. But something that I learnt really

500
00:21:40,960 --> 00:21:43,680
Speaker 3: quickly and thankfully as a financial advisor, I have always

501
00:21:43,720 --> 00:21:46,800
Speaker 3: allocated for my clients is like, have I got money

502
00:21:46,800 --> 00:21:48,840
Speaker 3: in the bank that I can go for a morning

503
00:21:48,880 --> 00:21:51,600
Speaker 3: walk and get a coffee comfortably? You do not need

504
00:21:51,640 --> 00:21:54,040
Speaker 3: the guilts at that period of time where you're like oofed,

505
00:21:54,080 --> 00:21:56,320
Speaker 3: we're on one income. I don't want to be going

506
00:21:56,359 --> 00:21:58,960
Speaker 3: to the cafe and quote wasting money. To me, that

507
00:21:59,119 --> 00:22:01,879
Speaker 3: was like a massive achievement if I got out of

508
00:22:01,920 --> 00:22:05,720
Speaker 3: the house, especially once my husband had gone back to work,

509
00:22:05,760 --> 00:22:08,040
Speaker 3: If I got out of the house and got myself

510
00:22:08,040 --> 00:22:10,399
Speaker 3: a coffee or a little sweet treat, do you know

511
00:22:10,440 --> 00:22:12,399
Speaker 3: what that was worth it? So, like, what does that

512
00:22:12,440 --> 00:22:15,760
Speaker 3: budget potentially look like? If you don't use it, money win,

513
00:22:16,280 --> 00:22:19,520
Speaker 3: If you do use it, mental health win. Everybody wins

514
00:22:19,560 --> 00:22:22,040
Speaker 3: in this situation. So we're not just looking at like

515
00:22:22,240 --> 00:22:25,080
Speaker 3: what are your life expenses or your rent or your mortgage,

516
00:22:25,119 --> 00:22:27,680
Speaker 3: Like are the additional things that you want to be doing?

517
00:22:27,760 --> 00:22:31,359
Speaker 3: Like are your electricity bills going to increase? Because you know,

518
00:22:31,760 --> 00:22:33,600
Speaker 3: maybe you do know what month your baby is going

519
00:22:33,640 --> 00:22:35,600
Speaker 3: to be born in it's the middle of winter, and

520
00:22:35,680 --> 00:22:39,119
Speaker 3: like for me, that was something that I didn't anticipate.

521
00:22:39,480 --> 00:22:42,760
Speaker 3: I'm now home twenty four seven, and unlike Jess, who

522
00:22:42,840 --> 00:22:45,080
Speaker 3: is very good with the electricity, I think you would

523
00:22:45,160 --> 00:22:46,680
Speaker 3: change too if you had a baby.

524
00:22:46,440 --> 00:22:47,840
Speaker 4: Because you have to keep it a certain temperature.

525
00:22:47,960 --> 00:22:48,960
Speaker 1: Yea, Like all of.

526
00:22:48,920 --> 00:22:51,000
Speaker 3: A sudden, all I cared about was making sure that

527
00:22:51,119 --> 00:22:53,720
Speaker 3: my house was perfect twenty one twenty two degrees for

528
00:22:53,760 --> 00:22:56,520
Speaker 3: this baby, because that's what I'd been told. And like historically,

529
00:22:56,560 --> 00:22:58,200
Speaker 3: if I was just home alone, I'd just have the

530
00:22:58,240 --> 00:23:00,720
Speaker 3: heating off until my husband got home, socks on, grab

531
00:23:00,800 --> 00:23:03,600
Speaker 3: a jumper. You don't do that with a baby. You know,

532
00:23:03,640 --> 00:23:06,720
Speaker 3: what are your electricity costs likely to look like? Also

533
00:23:06,880 --> 00:23:08,639
Speaker 3: on the flip side, if it's the middle of summer,

534
00:23:09,240 --> 00:23:11,320
Speaker 3: are you using your air con a lot? So just

535
00:23:11,600 --> 00:23:15,040
Speaker 3: having these little conversations about what that would mean. Also,

536
00:23:15,119 --> 00:23:19,160
Speaker 3: budgeting for baby is going to be so different for everybody,

537
00:23:19,200 --> 00:23:21,960
Speaker 3: and like everybody's got an opinion on how this works.

538
00:23:22,080 --> 00:23:24,359
Speaker 3: We've done an episode on budgeting for baby. We're going

539
00:23:24,440 --> 00:23:27,280
Speaker 3: to do another one soon now that I've especially had

540
00:23:27,280 --> 00:23:30,960
Speaker 3: a baby. But some of us have a lot of support.

541
00:23:31,359 --> 00:23:34,080
Speaker 3: Some of us have an older sibling who gives you

542
00:23:34,119 --> 00:23:37,280
Speaker 3: the cot, the hammy down outfits, you're doing cloth nappies,

543
00:23:37,480 --> 00:23:41,000
Speaker 3: and you're a perfect breastfeeder. It's not going to cost

544
00:23:41,040 --> 00:23:43,320
Speaker 3: you a lot. You also go through the public system,

545
00:23:43,560 --> 00:23:46,480
Speaker 3: or on the flip side, it could be like myself,

546
00:23:46,800 --> 00:23:49,680
Speaker 3: thankfully I had the financial privilege to like fund this,

547
00:23:50,040 --> 00:23:52,680
Speaker 3: but like we decided to go through the private system.

548
00:23:52,960 --> 00:23:56,480
Speaker 3: I don't have any siblings or older friends who had

549
00:23:56,560 --> 00:23:59,359
Speaker 3: cots and lots of handy downs, So all of the

550
00:23:59,359 --> 00:24:02,200
Speaker 3: stuff that I acquiring was new. So my budget obviously

551
00:24:02,240 --> 00:24:03,640
Speaker 3: had to be a little bit bigger when it came

552
00:24:03,680 --> 00:24:06,159
Speaker 3: to setting up for a baby. But there's still going

553
00:24:06,240 --> 00:24:08,679
Speaker 3: to be those costs that you can't avoid, So what

554
00:24:08,760 --> 00:24:11,080
Speaker 3: do they look like? How's that going to work? But

555
00:24:11,119 --> 00:24:13,359
Speaker 3: the idea that you would not only have an emergency

556
00:24:13,359 --> 00:24:17,120
Speaker 3: fund but also a maternity fund, I think is really good.

557
00:24:17,160 --> 00:24:19,280
Speaker 3: And we're looking back at the conversation I was having

558
00:24:19,359 --> 00:24:23,000
Speaker 3: before at your contracts, So you know, I might, let's

559
00:24:23,000 --> 00:24:25,200
Speaker 3: say Jesse and I were having a baby together, I

560
00:24:25,280 --> 00:24:27,720
Speaker 3: might look at your leave contract and be like, okay, well,

561
00:24:27,760 --> 00:24:30,760
Speaker 3: this is what your workplace gives you from an eternity leave.

562
00:24:31,160 --> 00:24:34,119
Speaker 3: What's the parental leave policy at my husband's job? Like

563
00:24:34,240 --> 00:24:37,600
Speaker 3: what do those things look like? Because for even my

564
00:24:37,680 --> 00:24:39,480
Speaker 3: husband and I went planning that, I was like, oh,

565
00:24:39,600 --> 00:24:42,760
Speaker 3: you actually have a really good parental leave policy that

566
00:24:42,800 --> 00:24:45,919
Speaker 3: we could definitely lean on a bit more. Are you

567
00:24:46,040 --> 00:24:48,800
Speaker 3: planning on taking time and my husband always wanted to

568
00:24:48,800 --> 00:24:51,920
Speaker 3: do this, but are you planning on taking some time off?

569
00:24:52,119 --> 00:24:53,760
Speaker 3: If so, how do we make the most of that?

570
00:24:54,040 --> 00:24:56,239
Speaker 3: At what point is the best time for you to

571
00:24:56,280 --> 00:24:59,120
Speaker 3: take off? Is it from me going on maternity leave?

572
00:24:59,440 --> 00:25:01,679
Speaker 3: Is it when the bay becomes is it? You know

573
00:25:01,760 --> 00:25:04,320
Speaker 3: you take a month now, and then later down the

574
00:25:04,359 --> 00:25:07,280
Speaker 3: track you might take some more time. Like how's that

575
00:25:07,320 --> 00:25:10,120
Speaker 3: action exactly? How's that going to work for you guys?

576
00:25:10,119 --> 00:25:12,840
Speaker 3: And what does that balance look like? But then also

577
00:25:13,640 --> 00:25:15,520
Speaker 3: when you're planning on going back to work, so like

578
00:25:15,600 --> 00:25:19,520
Speaker 3: maternity leave, yes, you're planning for not having any any

579
00:25:19,760 --> 00:25:23,159
Speaker 3: second income. You're on one income, which I'm assuming you

580
00:25:23,160 --> 00:25:25,119
Speaker 3: know you're like, how do I budget for this for

581
00:25:25,200 --> 00:25:27,760
Speaker 3: that period, because I'm assuming that you're planning on returning

582
00:25:27,800 --> 00:25:30,080
Speaker 3: to work. What does return to work.

583
00:25:29,880 --> 00:25:30,720
Speaker 4: Costs look like?

584
00:25:31,000 --> 00:25:33,760
Speaker 3: Have you looked at daycares? Do you know what daycare

585
00:25:33,800 --> 00:25:36,679
Speaker 3: in your area looks like? What subsidies are you able

586
00:25:36,720 --> 00:25:40,120
Speaker 3: to access? What type of family support can you can

587
00:25:40,160 --> 00:25:43,760
Speaker 3: you not like be reliant on? So maybe not having

588
00:25:43,760 --> 00:25:45,440
Speaker 3: those conversations because you don't want to bring up to

589
00:25:45,480 --> 00:25:47,280
Speaker 3: your mum that you're trying to have a baby. But

590
00:25:48,359 --> 00:25:51,000
Speaker 3: what would that look like? Because your whole budget once

591
00:25:51,040 --> 00:25:53,720
Speaker 3: you have kids changes and that can look very different

592
00:25:53,760 --> 00:25:56,199
Speaker 3: for different people, And I don't want you to just

593
00:25:56,240 --> 00:25:58,800
Speaker 3: focus on that, you know, first twelve weeks or first

594
00:25:58,840 --> 00:26:02,080
Speaker 3: six months or first twelve months when your budget in

595
00:26:02,200 --> 00:26:04,439
Speaker 3: general is going to significantly change.

596
00:26:04,680 --> 00:26:07,240
Speaker 4: Yeah, and then I guess you're probably once the baby's born,

597
00:26:07,280 --> 00:26:09,399
Speaker 4: even before they want to start contributing or if you

598
00:26:09,400 --> 00:26:13,280
Speaker 4: can putting money aside for like future school fees or futures.

599
00:26:13,480 --> 00:26:14,600
Speaker 3: It's chaos, isn't it.

600
00:26:14,680 --> 00:26:16,920
Speaker 4: Yeah, there's a lot to think about, but there's probably

601
00:26:16,960 --> 00:26:19,040
Speaker 4: some really good budgets out there that account for those.

602
00:26:18,840 --> 00:26:21,119
Speaker 3: Things absolutely, like a free one on the She's on

603
00:26:21,160 --> 00:26:23,639
Speaker 3: the Money website that you could just download that has

604
00:26:23,680 --> 00:26:26,960
Speaker 3: a whole kids section. Amazing exactly. I wish I'd thought

605
00:26:26,960 --> 00:26:28,080
Speaker 3: of that myself.

606
00:26:28,760 --> 00:26:31,920
Speaker 4: Exactly right, But yeah, very exciting. Congratulations, it's a really

607
00:26:32,000 --> 00:26:32,760
Speaker 4: exciting time.

608
00:26:32,880 --> 00:26:35,439
Speaker 3: Budget, I think is the outcome. And also communicate with

609
00:26:35,480 --> 00:26:38,320
Speaker 3: your partner what are their expectations? How are you going

610
00:26:38,320 --> 00:26:40,480
Speaker 3: to be managing money? Something that comes up as well,

611
00:26:40,480 --> 00:26:44,240
Speaker 3: and I'm just yapping on, is actually you feeling if

612
00:26:44,240 --> 00:26:46,720
Speaker 3: you're the person going on maternity leave like that you're

613
00:26:46,720 --> 00:26:50,679
Speaker 3: spending your partner's money. It's not it's a household income,

614
00:26:50,880 --> 00:26:53,160
Speaker 3: like you're taking a sacrifice. Also, can we please talk

615
00:26:53,160 --> 00:26:55,919
Speaker 3: about superannuation? What's that going to look like? How are

616
00:26:55,960 --> 00:26:58,280
Speaker 3: we going to be making sure that if I'm taking

617
00:26:58,320 --> 00:27:01,040
Speaker 3: a year of maternity leave. I'm not completely off because

618
00:27:01,040 --> 00:27:04,600
Speaker 3: the government doesn't actually provide maternity leave cover for that

619
00:27:04,640 --> 00:27:07,639
Speaker 3: period of time, but Sexy, they do now give you

620
00:27:08,560 --> 00:27:11,280
Speaker 3: supernuation on your matt leave pay from the government. We

621
00:27:11,440 --> 00:27:13,560
Speaker 3: love that, we love to see it, but it might

622
00:27:13,600 --> 00:27:15,560
Speaker 3: not be at your salary expectations.

623
00:27:15,640 --> 00:27:17,199
Speaker 4: Yeah, so what do you need to do to make up?

624
00:27:17,200 --> 00:27:20,320
Speaker 3: We got well, we could salary split. That's crazy, partner.

625
00:27:21,359 --> 00:27:22,879
Speaker 4: Lots of conversations have keep an eye up with that

626
00:27:22,920 --> 00:27:24,000
Speaker 4: baby episode coming soon?

627
00:27:24,240 --> 00:27:26,159
Speaker 3: Would you like to hear a cheeky DM?

628
00:27:26,200 --> 00:27:28,000
Speaker 4: We got absolutely all right.

629
00:27:28,560 --> 00:27:30,719
Speaker 3: Hi, she's on the money. I have a money dilemma

630
00:27:30,800 --> 00:27:33,680
Speaker 3: and would love some advice. My partner wants to buy

631
00:27:33,680 --> 00:27:36,160
Speaker 3: a house or apartment together next year. I want this

632
00:27:36,160 --> 00:27:40,280
Speaker 3: too in brackets eventually, but travel is so important to me.

633
00:27:40,520 --> 00:27:43,080
Speaker 3: I know traveling will be incredibly difficult once we are

634
00:27:43,119 --> 00:27:47,160
Speaker 3: locked into a mortgage. My question is traveling while having

635
00:27:47,160 --> 00:27:50,440
Speaker 3: a mortgage a bad idea? I know financially, I should

636
00:27:50,480 --> 00:27:54,119
Speaker 3: probably just throw everything we have at it financially, but

637
00:27:54,520 --> 00:27:56,600
Speaker 3: I also want to see the world while I'm young.

638
00:27:56,840 --> 00:27:59,000
Speaker 3: Am I stupid for wanting my cake and to be

639
00:27:59,000 --> 00:28:01,600
Speaker 3: able to eat it too? I would love your tips.

640
00:28:01,800 --> 00:28:04,760
Speaker 4: I think it's so dependent on your personal financial situation,

641
00:28:04,840 --> 00:28:08,119
Speaker 4: because if you're earning fifty thousand dollars a year, paying

642
00:28:08,119 --> 00:28:11,240
Speaker 4: a mortgage and traveling might be a little bit tricky.

643
00:28:11,480 --> 00:28:13,680
Speaker 4: But if you're earning one hundred and fifty thousand dollars

644
00:28:13,720 --> 00:28:16,720
Speaker 4: a year, it's probably something that's a lot more achievable. Yeah,

645
00:28:16,760 --> 00:28:19,200
Speaker 4: it also really depends on I know that you've said

646
00:28:19,200 --> 00:28:20,919
Speaker 4: you want to see the world, so to me, that

647
00:28:21,080 --> 00:28:24,600
Speaker 4: kind of implies international travel, and it really depends on

648
00:28:24,640 --> 00:28:26,520
Speaker 4: where you want to go, you know, countries close to

649
00:28:26,600 --> 00:28:30,040
Speaker 4: Australia as countries further away First world verse third world, Like,

650
00:28:30,040 --> 00:28:33,560
Speaker 4: there's lots of factors that are going to impact how

651
00:28:33,600 --> 00:28:36,080
Speaker 4: expensive it will be for you to travel. I would

652
00:28:36,119 --> 00:28:37,960
Speaker 4: say that if that's something that you want to prioritize,

653
00:28:38,000 --> 00:28:40,120
Speaker 4: that's totally okay, but you need to talk to your

654
00:28:40,320 --> 00:28:43,239
Speaker 4: partner about it because it sounds like they're operating on

655
00:28:43,280 --> 00:28:46,560
Speaker 4: the assumption that you're doing this together, like purchasing this

656
00:28:46,640 --> 00:28:49,480
Speaker 4: home together, and it sounds like you're not quite there.

657
00:28:50,040 --> 00:28:51,800
Speaker 4: You said you it's something you want to do eventually,

658
00:28:52,160 --> 00:28:53,520
Speaker 4: but you don't want to do it now, and it

659
00:28:53,520 --> 00:28:55,680
Speaker 4: sounds like maybe your partner is pushing to get it

660
00:28:55,720 --> 00:28:58,000
Speaker 4: done sooner than later, which is totally fine that you

661
00:28:58,080 --> 00:29:01,320
Speaker 4: both have different priorities, but if your partner's operating on

662
00:29:01,360 --> 00:29:03,920
Speaker 4: the assumption that you'll be doing it together in the

663
00:29:03,960 --> 00:29:06,920
Speaker 4: next five years, for example, like they've probably built their

664
00:29:06,960 --> 00:29:09,920
Speaker 4: long term plan around that, and if that's not something

665
00:29:09,920 --> 00:29:11,320
Speaker 4: you want to commit to, you've kind of got to

666
00:29:11,360 --> 00:29:14,000
Speaker 4: let them know because that's her job to impact what

667
00:29:14,040 --> 00:29:16,680
Speaker 4: their plans are. How soon they can do it all

668
00:29:16,720 --> 00:29:20,000
Speaker 4: those types of things. So it's definitely not a bad thing.

669
00:29:20,040 --> 00:29:22,240
Speaker 4: Like you're allowed to want to prioritize whatever you want.

670
00:29:22,320 --> 00:29:25,520
Speaker 4: You know, whatever is important to you is good and okay,

671
00:29:26,080 --> 00:29:28,240
Speaker 4: but you just I think, need to be conscious of

672
00:29:28,280 --> 00:29:31,600
Speaker 4: the way that that will then impact your partner. Yeah,

673
00:29:31,640 --> 00:29:34,600
Speaker 4: and it is totally doable, Like you can absolutely travel

674
00:29:35,200 --> 00:29:37,680
Speaker 4: and pay a mortgage, but again it comes down to

675
00:29:37,840 --> 00:29:41,320
Speaker 4: like what are your lifestyle expenses? Like, if travel is

676
00:29:41,360 --> 00:29:43,240
Speaker 4: something you want to prioritize, does that mean that you

677
00:29:43,280 --> 00:29:45,840
Speaker 4: would not be able to afford eating out with friends

678
00:29:45,920 --> 00:29:48,720
Speaker 4: or buying new clothes or you know, Like, there's lots

679
00:29:48,760 --> 00:29:50,760
Speaker 4: of ways that you can juggle your budget. We've spoken

680
00:29:50,840 --> 00:29:53,680
Speaker 4: before about how everybody has different priorities and different things

681
00:29:53,680 --> 00:29:56,000
Speaker 4: that they care about, and there's no right or wrong

682
00:29:56,040 --> 00:29:59,200
Speaker 4: way to organize all of that. But you need to

683
00:29:59,200 --> 00:30:01,840
Speaker 4: do some reflection figure out like is it achievable for

684
00:30:01,880 --> 00:30:04,560
Speaker 4: you with what you earn, with what you want to do,

685
00:30:04,920 --> 00:30:08,040
Speaker 4: and with the lifestyle sacrifices that you may or may

686
00:30:08,040 --> 00:30:08,640
Speaker 4: not have to make.

687
00:30:08,920 --> 00:30:11,560
Speaker 3: Yeah, I agree. The other thing I would be doing

688
00:30:11,720 --> 00:30:14,320
Speaker 3: is talking to a mortgage broker about what these scenarios

689
00:30:14,360 --> 00:30:16,959
Speaker 3: actually look like because a lot of the time I

690
00:30:17,000 --> 00:30:19,120
Speaker 3: speak to people literally weekly and they're like, we want

691
00:30:19,160 --> 00:30:21,520
Speaker 3: to buy next year, and then we find that that's

692
00:30:21,560 --> 00:30:24,720
Speaker 3: actually not feasible. Pipe dream, so fantastic, you thought you

693
00:30:24,760 --> 00:30:26,920
Speaker 3: could buy, but you know the deposit that you've saved

694
00:30:27,000 --> 00:30:29,200
Speaker 3: is simply not enough for you know, you're actually not

695
00:30:29,280 --> 00:30:32,120
Speaker 3: on the same page about what you're purchasing. And then

696
00:30:32,280 --> 00:30:34,480
Speaker 3: having a good conversation with a broker is going to

697
00:30:34,480 --> 00:30:36,000
Speaker 3: do two things right. You're going to work out what

698
00:30:36,040 --> 00:30:39,000
Speaker 3: your borrowing capacity is and like, let's just pretend between

699
00:30:39,040 --> 00:30:41,200
Speaker 3: you and your partner and just for clean numbers sakes

700
00:30:41,440 --> 00:30:45,200
Speaker 3: both of you together, you can borrow a million dollars. Fantastic,

701
00:30:45,320 --> 00:30:48,160
Speaker 3: very sexy, very nice. What are the repayments on that

702
00:30:48,160 --> 00:30:50,760
Speaker 3: million dollars looking like each and every single month? And

703
00:30:50,800 --> 00:30:54,800
Speaker 3: how does that impact your lifestyle? And what does that

704
00:30:54,840 --> 00:30:57,040
Speaker 3: then look like for the rest of the lifestyle that

705
00:30:57,080 --> 00:30:58,800
Speaker 3: you want to achieve. So are we talking to our

706
00:30:58,840 --> 00:31:02,240
Speaker 3: partner about not maybe pushing off, Like, let's pretend your

707
00:31:02,280 --> 00:31:04,560
Speaker 3: partner is reasonable in saying we can afford to buy

708
00:31:04,560 --> 00:31:07,719
Speaker 3: next year, Jessica, and you go, yes, no worries. What

709
00:31:07,800 --> 00:31:09,800
Speaker 3: does life look like to them? Have you had a

710
00:31:09,800 --> 00:31:12,440
Speaker 3: bit of a brainstorm together about well, you know, what

711
00:31:12,480 --> 00:31:14,520
Speaker 3: are we happy to sacrifice? What are we not happy

712
00:31:14,600 --> 00:31:17,120
Speaker 3: to sacrifice? Like I remember when my husband and I

713
00:31:17,160 --> 00:31:20,479
Speaker 3: were buying, we had a borrowing capacity above what we

714
00:31:20,600 --> 00:31:24,480
Speaker 3: actually purchased for because, like both of us were like, oh,

715
00:31:24,600 --> 00:31:26,520
Speaker 3: we still want to eat out, we still want to

716
00:31:26,560 --> 00:31:28,960
Speaker 3: have travel, we still want to have all of these things.

717
00:31:29,280 --> 00:31:32,160
Speaker 3: So we lowered what we borrowed and what our quote

718
00:31:32,200 --> 00:31:34,240
Speaker 3: limit was not because that's what the bank said we

719
00:31:34,240 --> 00:31:37,080
Speaker 3: could borrow, but that's what we said we could borrow

720
00:31:37,200 --> 00:31:40,360
Speaker 3: based on the lifestyle we wanted to achieve, And so

721
00:31:40,840 --> 00:31:43,320
Speaker 3: I think that's really important as well. So what does

722
00:31:43,360 --> 00:31:46,560
Speaker 3: your partner think, Like, are they planning on purchasing and

723
00:31:46,600 --> 00:31:49,040
Speaker 3: they just still think travel is going to be slotting

724
00:31:49,040 --> 00:31:52,880
Speaker 3: in there absolutely fine? Or are they like, oh my goodness, Jess,

725
00:31:52,920 --> 00:31:55,720
Speaker 3: I never actually thought about this. You're right, like, we'll

726
00:31:55,760 --> 00:31:57,440
Speaker 3: be living on rice and beans for the rest of

727
00:31:57,480 --> 00:31:59,480
Speaker 3: our life if we take on that mortgage. And maybe

728
00:31:59,480 --> 00:32:02,360
Speaker 3: the decision is to save for a little bit longer

729
00:32:02,360 --> 00:32:04,320
Speaker 3: so you have more deposit, or maybe it is to

730
00:32:04,440 --> 00:32:07,440
Speaker 3: reset expectations around the type of property that you purchase,

731
00:32:07,600 --> 00:32:09,920
Speaker 3: so you can absolutely have your cake and eat it too,

732
00:32:10,280 --> 00:32:13,280
Speaker 3: But when it comes to finances, everything is about compromise.

733
00:32:13,440 --> 00:32:16,000
Speaker 3: So like, yes, you could travel the entire world and

734
00:32:16,040 --> 00:32:19,200
Speaker 3: go on luxury cruises and only travel to first world

735
00:32:19,200 --> 00:32:21,920
Speaker 3: countries for the rest of your life, but that is

736
00:32:21,960 --> 00:32:24,760
Speaker 3: going to come at a cost. But you could also

737
00:32:24,920 --> 00:32:29,120
Speaker 3: reasonably go, Okay, well, we really want to travel together

738
00:32:29,200 --> 00:32:31,120
Speaker 3: as a couple, it's a value of ours. We also

739
00:32:31,200 --> 00:32:33,520
Speaker 3: really want to buy a house. How do we buy

740
00:32:33,560 --> 00:32:35,760
Speaker 3: a house but also still have the cash flow to

741
00:32:35,760 --> 00:32:39,560
Speaker 3: afford an eight to ten thousand dollars holiday every year? Okay, well,

742
00:32:39,560 --> 00:32:42,320
Speaker 3: maybe that doesn't work. How do we have the eight

743
00:32:42,360 --> 00:32:45,080
Speaker 3: to ten thousand dollars holiday every two years? Is that

744
00:32:45,120 --> 00:32:47,400
Speaker 3: what you're happy to commit to? Like, what does that

745
00:32:47,440 --> 00:32:50,440
Speaker 3: look like? Also, let's take a step back. What's your

746
00:32:50,480 --> 00:32:53,120
Speaker 3: earning potential into the future. Is that going to change?

747
00:32:53,560 --> 00:32:55,200
Speaker 3: Is your lifestyle going to change?

748
00:32:55,360 --> 00:32:56,480
Speaker 4: Are you factoring in inflation?

749
00:32:56,720 --> 00:32:59,600
Speaker 3: Are you factoring in any of the life choices that

750
00:32:59,640 --> 00:33:02,280
Speaker 3: you make, Like, babies aren't for everybody, But if that's

751
00:33:02,320 --> 00:33:05,080
Speaker 3: a part of your lifestyle decision, maybe that's why you're like,

752
00:33:05,120 --> 00:33:06,840
Speaker 3: I really want to see with the world while I'm young,

753
00:33:06,840 --> 00:33:09,040
Speaker 3: because I can't think of anything worse than a toddler

754
00:33:09,080 --> 00:33:09,880
Speaker 3: in Europe, you know.

755
00:33:10,240 --> 00:33:10,760
Speaker 5: Like fair.

756
00:33:11,080 --> 00:33:13,360
Speaker 3: I just want to experience that on my own. So

757
00:33:13,480 --> 00:33:16,520
Speaker 3: I think it's all about open communication, which is hilarious

758
00:33:16,520 --> 00:33:18,680
Speaker 3: because that's what we always talk about. But if your

759
00:33:18,720 --> 00:33:22,160
Speaker 3: partners like, really want to purchase next year, and you're like, oh,

760
00:33:22,200 --> 00:33:24,040
Speaker 3: I do really want that, but I also have this

761
00:33:24,120 --> 00:33:26,960
Speaker 3: other value. Let's bring it up, Let's have a wine,

762
00:33:27,080 --> 00:33:28,000
Speaker 3: let's have a date night.

763
00:33:28,200 --> 00:33:29,720
Speaker 4: Yeah, And now it's a good time to talk about

764
00:33:29,720 --> 00:33:32,320
Speaker 4: it because you haven't committed to anything. It's not at

765
00:33:32,320 --> 00:33:34,880
Speaker 4: all out now before you start making choices.

766
00:33:34,640 --> 00:33:36,920
Speaker 3: And you can get a budget together now, So like

767
00:33:37,280 --> 00:33:41,560
Speaker 3: you can google mortgage calculator and basically every single bank

768
00:33:41,560 --> 00:33:43,720
Speaker 3: and credit union has a free one on their website,

769
00:33:43,800 --> 00:33:45,520
Speaker 3: and you can put in what your loan would be,

770
00:33:45,600 --> 00:33:47,560
Speaker 3: what your deposit is looking like, and it will tell

771
00:33:47,600 --> 00:33:50,080
Speaker 3: you what your average monthly repayments on that kind of

772
00:33:50,080 --> 00:33:53,200
Speaker 3: look like. Please don't take that stuff as gospel. It's

773
00:33:53,320 --> 00:33:56,600
Speaker 3: just for conversation beforehand, because every loan is going to

774
00:33:56,600 --> 00:33:58,959
Speaker 3: look different based on the interest rate, based on like

775
00:33:59,160 --> 00:34:01,640
Speaker 3: the loan term, based on so much stuff, whether you

776
00:34:01,680 --> 00:34:05,360
Speaker 3: have ELEMI no elamite whatever, but use those as kind

777
00:34:05,400 --> 00:34:08,120
Speaker 3: of guides be like, oh, okay, well I didn't realize

778
00:34:08,160 --> 00:34:11,239
Speaker 3: that would cost us six thousand dollars a month. Yeah,

779
00:34:11,280 --> 00:34:13,920
Speaker 3: did your partner know that? Do you know what I mean? Like,

780
00:34:14,000 --> 00:34:17,280
Speaker 3: sometimes these things are so aspirational and we're so excited

781
00:34:17,280 --> 00:34:19,399
Speaker 3: that we forget to get into the semantics, and then

782
00:34:19,440 --> 00:34:22,319
Speaker 3: that's where we shoot ourselves in the foot. So google it,

783
00:34:22,400 --> 00:34:22,799
Speaker 3: work it.

784
00:34:22,760 --> 00:34:24,000
Speaker 4: Out, whatever we else say.

785
00:34:24,120 --> 00:34:26,359
Speaker 3: So we asked a few questions before I asked them

786
00:34:26,360 --> 00:34:29,239
Speaker 3: for their two cents. First question was what would you

787
00:34:29,320 --> 00:34:32,920
Speaker 3: prioritize in this situation? So fifty eight percent of you

788
00:34:32,960 --> 00:34:36,880
Speaker 3: said travel lightly or paying the mortgage, thirty three percent

789
00:34:37,000 --> 00:34:39,480
Speaker 3: said delay the house, go see the world, and ten

790
00:34:39,480 --> 00:34:41,719
Speaker 3: percent of you said house first, travel later.

791
00:34:42,200 --> 00:34:42,680
Speaker 4: Interesting.

792
00:34:43,120 --> 00:34:45,719
Speaker 3: And then we asked what would you do if your

793
00:34:45,760 --> 00:34:48,960
Speaker 3: timeline for financial goals was different to your partners? And

794
00:34:49,000 --> 00:34:52,040
Speaker 3: a whopping eighty eight percent of you said, I would

795
00:34:52,080 --> 00:34:55,239
Speaker 3: find a compromise. I kind of love that because it's like, for.

796
00:34:55,200 --> 00:34:56,400
Speaker 4: A second I thought you were going to say they

797
00:34:56,400 --> 00:34:57,279
Speaker 4: were going to say break up.

798
00:34:57,320 --> 00:35:00,399
Speaker 3: My heart dropped. Oh my god, I thought it with

799
00:35:00,440 --> 00:35:04,480
Speaker 3: financial advice, not like relationship advice. Maybe I should. So

800
00:35:04,600 --> 00:35:07,480
Speaker 3: there's this like content creator online that I send a

801
00:35:07,480 --> 00:35:10,640
Speaker 3: lot of videos to you of His name's Caleb Yep.

802
00:35:11,000 --> 00:35:13,919
Speaker 3: So his name's Caleb Hammer And if you haven't looked

803
00:35:13,960 --> 00:35:16,800
Speaker 3: him up on TikTok do, because he's everything I've always

804
00:35:16,800 --> 00:35:20,439
Speaker 3: wanted to be. But like, also I would never he's

805
00:35:20,520 --> 00:35:23,960
Speaker 3: so aggressive with So he does a podcast called Financial

806
00:35:23,960 --> 00:35:27,000
Speaker 3: Audit and maybe one day somehow we could manifest getting

807
00:35:27,080 --> 00:35:27,920
Speaker 3: him on our show.

808
00:35:28,080 --> 00:35:28,759
Speaker 4: That would be cool.

809
00:35:28,840 --> 00:35:32,799
Speaker 3: But he does like unhinged money diaries. Basically he does

810
00:35:32,840 --> 00:35:35,759
Speaker 3: these like audits of people's finances and he'll be like,

811
00:35:36,080 --> 00:35:39,239
Speaker 3: what the hell are you doing, Jess, And like I

812
00:35:39,480 --> 00:35:41,719
Speaker 3: cannot get enough of these people that are going on

813
00:35:41,760 --> 00:35:43,960
Speaker 3: his show and putting their hands up and being like

814
00:35:44,120 --> 00:35:46,840
Speaker 3: I'd love to be non anonymously, like I'll put my

815
00:35:46,960 --> 00:35:49,719
Speaker 3: name to this on your show. And then she's in

816
00:35:49,760 --> 00:35:51,759
Speaker 3: forty thousand dollars worth of debt because she bought La

817
00:35:51,760 --> 00:35:52,320
Speaker 3: Boo Boos.

818
00:35:52,400 --> 00:35:53,640
Speaker 4: They're volunteering to be rastered.

819
00:35:53,760 --> 00:35:57,440
Speaker 3: They are volunteering exactly, and it just I go, what

820
00:35:57,520 --> 00:35:59,960
Speaker 3: the hell? Or like they'll be like, yeah, my husband

821
00:36:00,040 --> 00:36:02,719
Speaker 3: and like does all of these terrible financial things, and

822
00:36:02,760 --> 00:36:05,000
Speaker 3: he's like, divorce him and I'm like, oh my god,

823
00:36:05,040 --> 00:36:07,440
Speaker 3: can you imagine saying that doesn't anyway? It is so

824
00:36:07,680 --> 00:36:09,960
Speaker 3: unhinged that I can't get enough of it. I think

825
00:36:10,000 --> 00:36:11,880
Speaker 3: my other favorite one was this girl being like, well,

826
00:36:11,920 --> 00:36:14,960
Speaker 3: I shouldn't have to work, I'm beautiful, And I was like,

827
00:36:14,960 --> 00:36:17,400
Speaker 3: I wasn't made to work. What's going on? Like what

828
00:36:17,480 --> 00:36:21,040
Speaker 3: he's going on anyway? Clearly not she's on the money coded,

829
00:36:21,680 --> 00:36:24,440
Speaker 3: but like when it comes to like finance content, I

830
00:36:24,440 --> 00:36:26,400
Speaker 3: love it because he's so savage.

831
00:36:26,680 --> 00:36:28,560
Speaker 4: He says. I feel like he's like the little voice

832
00:36:28,560 --> 00:36:30,359
Speaker 4: in your head, you know, like I'm sure that I've shown,

833
00:36:30,400 --> 00:36:32,160
Speaker 4: especially in the early days, like said or shown some

834
00:36:32,200 --> 00:36:34,560
Speaker 4: things to you where like your internal monologue was probably

835
00:36:34,600 --> 00:36:37,040
Speaker 4: like girl, get it together, Like what are you doing?

836
00:36:37,320 --> 00:36:39,359
Speaker 3: But like I say, like in a kind way, though,

837
00:36:39,440 --> 00:36:41,200
Speaker 3: I'll be like, oh, do you really think that that's

838
00:36:41,239 --> 00:36:45,280
Speaker 3: really helping you or whatever? But like he says the thoughts,

839
00:36:45,360 --> 00:36:47,800
Speaker 3: he's like what the air for? What are you doing?

840
00:36:48,200 --> 00:36:49,759
Speaker 3: Like there was a couple on the show the other

841
00:36:49,800 --> 00:36:52,840
Speaker 3: day and he was like, why are you two together?

842
00:36:52,960 --> 00:36:56,360
Speaker 3: He's awful? Or like this other girl was on the

843
00:36:56,400 --> 00:36:58,960
Speaker 3: show and to the husband, he literally said in the

844
00:36:59,040 --> 00:37:01,960
Speaker 3: three years of doing this podcast. I've never met someone

845
00:37:02,000 --> 00:37:04,360
Speaker 3: more dislikable. What do you like about this woman? And

846
00:37:04,400 --> 00:37:08,400
Speaker 3: I was like, I would die, I would cry anyway.

847
00:37:08,760 --> 00:37:10,759
Speaker 3: So that's clearly not what our show is about. But

848
00:37:11,520 --> 00:37:13,640
Speaker 3: I'm glad that most of our community would find a

849
00:37:13,640 --> 00:37:15,200
Speaker 3: compromise not break up with their partner.

850
00:37:15,320 --> 00:37:15,600
Speaker 4: Jess.

851
00:37:15,719 --> 00:37:18,279
Speaker 3: Seven percent said that they would pause the goal until

852
00:37:18,320 --> 00:37:20,560
Speaker 3: you're both ready, and five percent said no, I'm sticking

853
00:37:20,600 --> 00:37:23,240
Speaker 3: to my own plan. The you live love laugh queens.

854
00:37:23,680 --> 00:37:27,000
Speaker 3: We then said, guys, what is your two cents? First

855
00:37:27,000 --> 00:37:29,600
Speaker 3: person and I've just got like a little selection as always.

856
00:37:29,640 --> 00:37:32,640
Speaker 3: First person said, you can definitely travel with a mortgage.

857
00:37:32,719 --> 00:37:35,160
Speaker 3: I do, just don't borrow more than you can manage

858
00:37:36,120 --> 00:37:39,640
Speaker 3: can be done. Next person said extending trips would allow

859
00:37:39,719 --> 00:37:42,000
Speaker 3: for renting out the home whilst paying the mortgage.

860
00:37:42,200 --> 00:37:42,480
Speaker 4: I'll just.

861
00:37:44,080 --> 00:37:47,839
Speaker 3: Exactly, I didn't even think of that. Next person said,

862
00:37:48,120 --> 00:37:49,800
Speaker 3: start a side gig so that you can pay for

863
00:37:49,800 --> 00:37:53,800
Speaker 3: your travel. I mean, why not, hustle queen? Next person,

864
00:37:54,160 --> 00:37:57,640
Speaker 3: you will never regret traveling and making memories. And then

865
00:37:57,640 --> 00:38:00,360
Speaker 3: I have another one. We had buckets for travel, deposit,

866
00:38:00,440 --> 00:38:02,680
Speaker 3: and wedding. We ticked all of our goals off. We

867
00:38:02,840 --> 00:38:04,600
Speaker 3: just had to make adjustments along the way.

868
00:38:04,680 --> 00:38:05,800
Speaker 4: It's exactly what you were saying.

869
00:38:05,880 --> 00:38:09,440
Speaker 3: Another person said, I'm fifty one and missed traveling the

870
00:38:09,440 --> 00:38:13,000
Speaker 3: world due to a mortgage. Please travel now, mortgage later.

871
00:38:13,640 --> 00:38:16,200
Speaker 4: There you go some insight from someone who's lived in yelp.

872
00:38:16,239 --> 00:38:18,719
Speaker 3: And then I've got a two parter. So this person said,

873
00:38:18,760 --> 00:38:21,200
Speaker 3: I bought a house three years ago now on a

874
00:38:21,239 --> 00:38:24,000
Speaker 3: single income. It took a little while before I could

875
00:38:24,040 --> 00:38:26,719
Speaker 3: afford a trip again, but I kept saving and this

876
00:38:26,800 --> 00:38:29,440
Speaker 3: year I went to Canada for four weeks. Oh that's

877
00:38:29,480 --> 00:38:31,919
Speaker 3: so exciting, I know, right. So, like, I think it's

878
00:38:31,960 --> 00:38:34,680
Speaker 3: just about communicating, either with yourself or with your partner,

879
00:38:34,719 --> 00:38:36,760
Speaker 3: like what's the goal here? Can we still do these things?

880
00:38:36,920 --> 00:38:39,719
Speaker 3: It's like, yes, we can do everything, we just can't

881
00:38:39,760 --> 00:38:40,760
Speaker 3: do everything at once.

882
00:38:41,280 --> 00:38:42,000
Speaker 4: Be realistic.

883
00:38:42,080 --> 00:38:43,919
Speaker 3: And I have two more for you before I wrap

884
00:38:43,920 --> 00:38:45,759
Speaker 3: it up. This one says I just broke up with

885
00:38:45,800 --> 00:38:48,520
Speaker 3: my boyfriend over this. Actually, oh, we couldn't come to

886
00:38:48,560 --> 00:38:50,120
Speaker 3: a compromise. Well, I mean, if.

887
00:38:50,040 --> 00:38:53,239
Speaker 4: Your goals don't align financially, like that's a pretty big thing.

888
00:38:53,440 --> 00:38:56,960
Speaker 3: That's massive. And also know your worth and know what

889
00:38:57,040 --> 00:38:59,680
Speaker 3: you want. And I'm like, you know, don't just break

890
00:38:59,760 --> 00:39:02,359
Speaker 3: up with somebody over one thing. I'm not Caleb Hammer.

891
00:39:02,480 --> 00:39:04,680
Speaker 3: I can't just say that. But I also think that

892
00:39:04,719 --> 00:39:07,600
Speaker 3: there's probably some more deep rooted issues there and like

893
00:39:07,719 --> 00:39:10,239
Speaker 3: these things where you can't compromise or like I can't

894
00:39:10,320 --> 00:39:13,319
Speaker 3: want you to achieve your goals. Yeah bye boy.

895
00:39:13,640 --> 00:39:14,480
Speaker 4: Yeah absolutely.

896
00:39:14,520 --> 00:39:16,200
Speaker 3: And the last one I've got is whatever you do

897
00:39:16,320 --> 00:39:18,880
Speaker 3: travel before the kids come along. It's so much cheaper

898
00:39:19,080 --> 00:39:21,960
Speaker 3: when you're only planning for two hashtag money hack up

899
00:39:22,000 --> 00:39:24,839
Speaker 3: there you go, Oh my god. It actually is like

900
00:39:24,880 --> 00:39:27,440
Speaker 3: as somebody who's just gotten back from Bali with a

901
00:39:27,520 --> 00:39:30,960
Speaker 3: kid who's eighteen months old. I loved it, but my

902
00:39:31,040 --> 00:39:32,440
Speaker 3: husband and I were talking about what are we going

903
00:39:32,480 --> 00:39:33,839
Speaker 3: to do when we have to buy him his own

904
00:39:33,960 --> 00:39:34,640
Speaker 3: plane seat?

905
00:39:34,800 --> 00:39:35,080
Speaker 4: Yeah?

906
00:39:35,120 --> 00:39:38,640
Speaker 3: Expensive, little Once they're two, they become a full adult

907
00:39:38,840 --> 00:39:42,560
Speaker 3: when it comes to flying. So anyway, enjoy it while

908
00:39:42,560 --> 00:39:44,799
Speaker 3: they're young we can. All right. That is all from

909
00:39:44,960 --> 00:39:47,000
Speaker 3: us this week. I feel like this has been a

910
00:39:47,000 --> 00:39:49,600
Speaker 3: good wrap up. We miss Beck, but she'll be back soon. Guys.

911
00:39:49,680 --> 00:39:52,480
Speaker 3: Don't worry. Until then, we will have a bright and

912
00:39:52,520 --> 00:39:55,840
Speaker 3: early money diary for you on Monday. See you hi, guys.

913
00:40:01,600 --> 00:40:04,160
Speaker 3: The advice shared on She's on the Money is general

914
00:40:04,200 --> 00:40:08,080
Speaker 3: in nature and does not consider your individual circumstances. She's

915
00:40:08,120 --> 00:40:11,520
Speaker 3: on the Money exists purely for educational purposes and should

916
00:40:11,600 --> 00:40:14,760
Speaker 3: not be relied upon to make an investment or financial decision.

917
00:40:15,160 --> 00:40:17,600
Speaker 3: If you do choose to buy a financial product, read

918
00:40:17,640 --> 00:40:21,800
Speaker 3: the PDS TMD and obtain appropriate financial advice tailored towards

919
00:40:21,800 --> 00:40:25,120
Speaker 3: your needs. Victoria Divine and She's on the Money are

920
00:40:25,160 --> 00:40:30,200
Speaker 3: authorized representatives of money Sherper Pty Ltd ABN three two

921
00:40:30,200 --> 00:40:34,160
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922
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Speaker 3: four five one two eight nine