1
00:00:00,600 --> 00:00:01,080
Speaker 1: Hello.

2
00:00:01,480 --> 00:00:04,840
Speaker 2: My name is Sanatasha Nabananga Bamblet. I'm a proud yor

3
00:00:04,880 --> 00:00:08,600
Speaker 2: the Order Kerni Whoaltbury and a waddery woman. And before

4
00:00:08,600 --> 00:00:11,080
Speaker 2: we get started on She's on the Money podcast, I

5
00:00:11,119 --> 00:00:14,240
Speaker 2: would like to acknowledge the traditional custodians of the land

6
00:00:14,360 --> 00:00:17,599
Speaker 2: of which this podcast is recorded on a wondery country,

7
00:00:18,079 --> 00:00:22,200
Speaker 2: acknowledging the elders, the ancestors and the next generation coming

8
00:00:22,239 --> 00:00:26,880
Speaker 2: through as this podcast is about connecting, empowering, knowledge sharing

9
00:00:27,000 --> 00:00:30,040
Speaker 2: and the storytelling of you to make a difference for

10
00:00:30,160 --> 00:00:32,559
Speaker 2: today and lasting impact for tomorrow.

11
00:00:33,240 --> 00:00:36,600
Speaker 1: Let's get into it. She's on the Money. She's on

12
00:00:36,640 --> 00:00:38,400
Speaker 1: the Money.

13
00:00:57,280 --> 00:01:00,480
Speaker 3: Hello and welcome to She's on the Money podcast that

14
00:01:00,520 --> 00:01:04,400
Speaker 3: makes personal finance fun, especially mainly on Fridays.

15
00:01:04,920 --> 00:01:05,560
Speaker 1: Welcome back.

16
00:01:05,600 --> 00:01:07,440
Speaker 3: It is our favorite day of the week because we

17
00:01:07,520 --> 00:01:11,160
Speaker 3: get to get our team together and celebrate you ow incredible.

18
00:01:11,240 --> 00:01:14,240
Speaker 3: She's on the Money community, mister Griccy. She's here with

19
00:01:14,280 --> 00:01:17,600
Speaker 3: our favorite money wins of the week. Beck has gotten ready.

20
00:01:17,600 --> 00:01:20,679
Speaker 3: She's got three broke tips for us, and we're going

21
00:01:20,760 --> 00:01:22,840
Speaker 3: to be helping to answer a money dilemma, which this

22
00:01:22,880 --> 00:01:26,360
Speaker 3: week is all about what do you do when chasing money?

23
00:01:26,480 --> 00:01:30,000
Speaker 3: Starts affecting your health and something that you slid into

24
00:01:30,040 --> 00:01:33,240
Speaker 3: our DMS about what do you do when pouring your

25
00:01:33,240 --> 00:01:35,880
Speaker 3: savings into a house when your name isn't even on

26
00:01:35,920 --> 00:01:39,480
Speaker 3: the mortgage all but before we get them is just

27
00:01:39,560 --> 00:01:43,360
Speaker 3: a greachy. Miss Beck's sayed, how have your weeks been?

28
00:01:43,720 --> 00:01:48,080
Speaker 4: Nothing very exciting this week, just plodding along, live life,

29
00:01:48,120 --> 00:01:49,560
Speaker 4: loving any.

30
00:01:49,680 --> 00:01:52,919
Speaker 3: And crafts, any side projects. I feel like you've always

31
00:01:52,920 --> 00:01:55,200
Speaker 3: got something on the go, Jessica. Yeah, I'm trying to.

32
00:01:55,320 --> 00:01:56,440
Speaker 4: I don't think I do at the.

33
00:01:56,360 --> 00:01:58,520
Speaker 1: Moment about the sewing machine. Where's the sewing machine gun?

34
00:01:58,600 --> 00:02:00,880
Speaker 4: I did think about this very resales. Oh I've done

35
00:02:00,920 --> 00:02:02,760
Speaker 4: that thing where I like got the hobby and then didn't.

36
00:02:02,800 --> 00:02:04,920
Speaker 4: But I want to say myself a new tote bag

37
00:02:04,960 --> 00:02:07,040
Speaker 4: for ballet. So that's I've cut the pieces.

38
00:02:07,200 --> 00:02:09,640
Speaker 3: I just need to sew the piece. Okay, we're halfway

39
00:02:09,680 --> 00:02:11,760
Speaker 3: through a project. But I also think of sewing machine

40
00:02:11,760 --> 00:02:14,120
Speaker 3: and that skill. Yes, it might have been a hobby.

41
00:02:14,520 --> 00:02:16,079
Speaker 3: Having it means like you can whip it out, you

42
00:02:16,120 --> 00:02:17,000
Speaker 3: can hem some pants.

43
00:02:17,480 --> 00:02:17,959
Speaker 1: Totally.

44
00:02:18,160 --> 00:02:20,240
Speaker 3: Yeah, I feel like it's a good investment. It's not

45
00:02:20,320 --> 00:02:23,519
Speaker 3: like my polymer clay addiction, where I went and bought

46
00:02:23,560 --> 00:02:26,440
Speaker 3: every single color of polymer clay and started making these

47
00:02:26,480 --> 00:02:31,079
Speaker 3: teeny tiny little jelly cat like creations. And that's been good,

48
00:02:31,200 --> 00:02:35,520
Speaker 3: but like, I haven't done that in a long Yeah.

49
00:02:35,800 --> 00:02:38,760
Speaker 1: So yes, that's a bit different to a sewing machine,

50
00:02:38,800 --> 00:02:40,680
Speaker 1: but they were. It was fun. That lasted. Look, it

51
00:02:40,720 --> 00:02:42,240
Speaker 1: was fun. Well that lasted, and I'm sure I'll go

52
00:02:42,280 --> 00:02:43,600
Speaker 1: back there at some point. I just like it.

53
00:02:43,639 --> 00:02:47,119
Speaker 3: I can like literally copy things. Yeah anyway, don't come

54
00:02:47,240 --> 00:02:49,919
Speaker 3: for me and seeming jelly cat like I can't afford

55
00:02:49,960 --> 00:02:51,200
Speaker 3: your soft toys anymore.

56
00:02:51,280 --> 00:02:54,400
Speaker 1: Yeah, like what the hell? Why are they so expensive?

57
00:02:55,680 --> 00:02:57,000
Speaker 1: But they're so cute.

58
00:02:57,120 --> 00:02:59,440
Speaker 4: C there's a little fuzzy peach one that I want

59
00:02:59,440 --> 00:03:01,200
Speaker 4: to get for my because I'm like, it's so unbrain

60
00:03:01,960 --> 00:03:02,560
Speaker 4: I tried to.

61
00:03:02,480 --> 00:03:04,440
Speaker 3: Buy that for me the other day and it sold out.

62
00:03:04,480 --> 00:03:08,200
Speaker 3: The twenty twenty five fuzzy Peach one adorable. I saw

63
00:03:08,240 --> 00:03:12,000
Speaker 3: it in the shop meet Meek in Chadstone, and I

64
00:03:12,080 --> 00:03:15,080
Speaker 3: remember being like, oh my god, that is so jess.

65
00:03:15,240 --> 00:03:17,359
Speaker 3: I should get that, and then like didn't think about it,

66
00:03:17,400 --> 00:03:18,600
Speaker 3: and then I was like, nah, I am going to

67
00:03:18,680 --> 00:03:19,359
Speaker 3: go back and get.

68
00:03:19,240 --> 00:03:21,080
Speaker 1: That, and it was like were like, oh no, we

69
00:03:21,120 --> 00:03:21,720
Speaker 1: sold out of that.

70
00:03:21,800 --> 00:03:24,840
Speaker 3: So I was like, this is my life mission. I

71
00:03:24,880 --> 00:03:27,280
Speaker 3: will turn up with a fuzzy peach for you sometimes

72
00:03:28,120 --> 00:03:31,040
Speaker 3: I will. I will have it, I promise. Is everyone

73
00:03:31,040 --> 00:03:34,000
Speaker 3: waiting for the mozzarella ball to come out? Oh my god,

74
00:03:34,000 --> 00:03:38,120
Speaker 3: the past but not the past one. It's got like

75
00:03:38,160 --> 00:03:41,440
Speaker 3: a little bray. I think it's made it happen.

76
00:03:41,320 --> 00:03:42,080
Speaker 1: To stop it.

77
00:03:42,080 --> 00:03:43,640
Speaker 5: It's a little berat Morella.

78
00:03:43,680 --> 00:03:45,400
Speaker 6: I can't really remember what it looks like now, but

79
00:03:45,400 --> 00:03:47,240
Speaker 6: but that's been waiting for a year, you know what

80
00:03:47,280 --> 00:03:48,000
Speaker 6: I was thinking about.

81
00:03:48,160 --> 00:03:50,400
Speaker 4: Jelly Cats are the modernday beanie kid. Because I was.

82
00:03:52,280 --> 00:03:54,600
Speaker 1: A beaty kid kid. I had bed hundreds of them.

83
00:03:54,680 --> 00:03:56,720
Speaker 3: Beck, you didn't come to the Sheese on the Money

84
00:03:56,760 --> 00:03:59,280
Speaker 3: Christmas party. But I don't know if we told you that.

85
00:03:59,320 --> 00:04:03,360
Speaker 3: We did a past the parcel because like She's on

86
00:04:03,400 --> 00:04:05,360
Speaker 3: the Money Christmas party, Like we don't just want to

87
00:04:05,400 --> 00:04:07,960
Speaker 3: sit there informally talk about our work performance, like we

88
00:04:08,120 --> 00:04:08,680
Speaker 3: had fun.

89
00:04:08,720 --> 00:04:11,000
Speaker 1: We did pass the parcel, but in every.

90
00:04:10,960 --> 00:04:13,640
Speaker 3: Layer of the past the parcel was a jelly cat

91
00:04:14,680 --> 00:04:17,440
Speaker 3: ring and then in the middle there was a big

92
00:04:17,560 --> 00:04:19,680
Speaker 3: Christmas themed jelly cat. Yeah.

93
00:04:19,680 --> 00:04:25,080
Speaker 4: It was so my god, maybe it was you were right.

94
00:04:25,120 --> 00:04:27,520
Speaker 4: Sometimes I ended up with two, so maybe you should

95
00:04:27,520 --> 00:04:30,000
Speaker 4: have the other one. I think, yeah, you had a

96
00:04:30,120 --> 00:04:32,400
Speaker 4: Christian on my bag. And then I have the Turtle,

97
00:04:32,440 --> 00:04:34,479
Speaker 4: which I actually think is very on brand. His name's

98
00:04:34,520 --> 00:04:37,480
Speaker 4: Timmy Turtle. He's got my face you next week, I

99
00:04:37,480 --> 00:04:38,120
Speaker 4: reckon you love me?

100
00:04:38,279 --> 00:04:40,320
Speaker 1: You could sell that's sod.

101
00:04:41,320 --> 00:04:42,440
Speaker 5: That is so cute.

102
00:04:42,720 --> 00:04:43,480
Speaker 1: You're so cute.

103
00:04:43,480 --> 00:04:44,280
Speaker 5: Thank you so much.

104
00:04:44,560 --> 00:04:46,919
Speaker 1: But we never passed the parcel and it was a

105
00:04:46,920 --> 00:04:48,080
Speaker 1: lot of fun. It's the best thing ever.

106
00:04:48,160 --> 00:04:50,400
Speaker 3: It was actually very funny, though I'm sorrying our producer

107
00:04:50,440 --> 00:04:53,200
Speaker 3: Emma under the bus because I don't think Emma understood

108
00:04:53,240 --> 00:04:55,320
Speaker 3: how cool jelly Cats were or that there was like

109
00:04:55,360 --> 00:04:57,520
Speaker 3: a cold following and she got the big one in

110
00:04:57,560 --> 00:05:01,160
Speaker 3: the middle and everyone was like, I listed an addition

111
00:05:01,279 --> 00:05:03,440
Speaker 3: like Christmas tree, and then Emma's.

112
00:05:03,160 --> 00:05:09,640
Speaker 6: Like, cool, no, it's wasted story above her.

113
00:05:10,680 --> 00:05:12,400
Speaker 3: She's in the room with us, so we're not like

114
00:05:12,520 --> 00:05:14,440
Speaker 3: throwing shade while she's not watching.

115
00:05:14,880 --> 00:05:19,320
Speaker 1: But would you guys like a five star review? Yes please?

116
00:05:19,760 --> 00:05:25,960
Speaker 3: I am ready this person's username She's on the Money fangirl, Oh.

117
00:05:25,320 --> 00:05:26,640
Speaker 1: Life changing podcast.

118
00:05:26,920 --> 00:05:29,279
Speaker 3: I started listening to She's on the Money during COVID

119
00:05:29,320 --> 00:05:32,159
Speaker 3: and Binge listened to all the episodes I had missed

120
00:05:32,720 --> 00:05:36,039
Speaker 3: and Vic and team you have truly changed my life.

121
00:05:36,320 --> 00:05:39,160
Speaker 3: Thanks to Vic's advice on one of the earlier podcasts,

122
00:05:39,240 --> 00:05:41,360
Speaker 3: my husband and I made the decision to take out

123
00:05:41,400 --> 00:05:45,039
Speaker 3: additional insurance AKA I forced him one day because he

124
00:05:45,160 --> 00:05:48,599
Speaker 3: was a typical treaty that thought he was invincible, hoping

125
00:05:48,680 --> 00:05:51,680
Speaker 3: we'd never have to use it. Sadly, my husband was

126
00:05:51,720 --> 00:05:54,880
Speaker 3: badly injured at work, but one of the few silver

127
00:05:54,960 --> 00:05:58,440
Speaker 3: linings in such a tough time was that his TPD

128
00:05:58,680 --> 00:06:00,359
Speaker 3: insurance was paid out.

129
00:06:00,440 --> 00:06:00,840
Speaker 5: Oh wow.

130
00:06:00,880 --> 00:06:03,360
Speaker 3: Because of that, we are now a young family who

131
00:06:03,400 --> 00:06:07,360
Speaker 3: is completely mortgage free. My husband is still recovering, but

132
00:06:07,600 --> 00:06:10,080
Speaker 3: this has helped ease our stress immensely, meaning we can

133
00:06:10,120 --> 00:06:11,160
Speaker 3: focus on him.

134
00:06:11,120 --> 00:06:13,040
Speaker 1: Rather than having the added.

135
00:06:12,720 --> 00:06:15,400
Speaker 3: Stress of can we afford to pay our mortgage over

136
00:06:15,440 --> 00:06:17,240
Speaker 3: this expensive time in our lives.

137
00:06:17,480 --> 00:06:19,239
Speaker 1: Wow, I'm really sorry.

138
00:06:19,880 --> 00:06:23,200
Speaker 3: That is so trashy, and like, I love that you

139
00:06:23,279 --> 00:06:27,680
Speaker 3: shared that, because insurance to me is so important. Like

140
00:06:27,760 --> 00:06:29,960
Speaker 3: when I was working as a financial advisor, you see

141
00:06:30,000 --> 00:06:32,559
Speaker 3: the worst of the worst, Like it's everyone who says

142
00:06:32,600 --> 00:06:35,960
Speaker 3: this will never happen to me, and like invincible tradees

143
00:06:36,200 --> 00:06:37,000
Speaker 3: all say.

144
00:06:37,080 --> 00:06:39,320
Speaker 1: Yah, help me right, it will never happen to me.

145
00:06:39,920 --> 00:06:43,400
Speaker 3: But then something does happen, So get your insurances in

146
00:06:43,520 --> 00:06:46,680
Speaker 3: order that as much as I want none of this

147
00:06:46,800 --> 00:06:49,160
Speaker 3: to happen to any of you, when you write in

148
00:06:49,200 --> 00:06:51,480
Speaker 3: and say we listen to your podcast and we were

149
00:06:51,520 --> 00:06:55,200
Speaker 3: covered for that girl, your mortgage free, like the stress

150
00:06:55,200 --> 00:06:58,120
Speaker 3: that would have lifted. Oh, I love that for you

151
00:06:58,160 --> 00:06:59,680
Speaker 3: at the same time as hating that you had to

152
00:06:59,720 --> 00:07:00,279
Speaker 3: go through through that.

153
00:07:00,760 --> 00:07:02,479
Speaker 1: Sending lots of love to you. But thank you for

154
00:07:02,520 --> 00:07:05,080
Speaker 1: that review. That was so kind. Yeah, thank you so much.

155
00:07:05,279 --> 00:07:07,120
Speaker 3: If any of you want to get your insurances sorted,

156
00:07:07,120 --> 00:07:08,560
Speaker 3: I'm going to put a link in the show notes

157
00:07:08,560 --> 00:07:11,480
Speaker 3: to Sky Wealth because they are going to get it

158
00:07:11,560 --> 00:07:14,440
Speaker 3: sorted for you in a very cost effective way. Anyway,

159
00:07:14,680 --> 00:07:19,360
Speaker 3: moving on, my friends is just grichy. Can we have

160
00:07:19,440 --> 00:07:22,080
Speaker 3: the money wins of the week? Absolutely you can.

161
00:07:22,360 --> 00:07:25,080
Speaker 4: Firstly, this week I've got a money win from Maddie,

162
00:07:25,120 --> 00:07:27,280
Speaker 4: who said she asked her private Health if they could

163
00:07:27,320 --> 00:07:30,360
Speaker 4: offer her any deals as Booper were currently running a

164
00:07:30,840 --> 00:07:33,560
Speaker 4: six weeks free someone mentioned this in the group. She

165
00:07:33,640 --> 00:07:35,960
Speaker 4: saw it, so she hit up her health insurance. They

166
00:07:35,960 --> 00:07:39,520
Speaker 4: gave her twelve weeks of health insurance for free. She

167
00:07:39,560 --> 00:07:43,960
Speaker 4: said it saved so isn't that crazy? So again reminder

168
00:07:44,360 --> 00:07:46,920
Speaker 4: ask you know mentioned maybe that Booper are running that

169
00:07:46,960 --> 00:07:47,680
Speaker 4: promotions weekend?

170
00:07:47,720 --> 00:07:49,200
Speaker 1: Yeah, because that is wild.

171
00:07:49,480 --> 00:07:52,200
Speaker 4: Yeah. Next, I put the money win from Jess, excellent name.

172
00:07:52,360 --> 00:07:54,600
Speaker 4: She said she went to wash her car on half

173
00:07:54,640 --> 00:07:56,360
Speaker 4: priced day to try and save some money.

174
00:07:56,680 --> 00:08:00,840
Speaker 3: I didn't know that existed, but like cool, very is

175
00:08:00,960 --> 00:08:01,760
Speaker 3: very expensive.

176
00:08:02,120 --> 00:08:04,040
Speaker 4: But Jess drove into the bay and the time I

177
00:08:04,040 --> 00:08:05,800
Speaker 4: still had thirty minutes on it. So she washed her

178
00:08:05,800 --> 00:08:06,679
Speaker 4: car for free.

179
00:08:06,760 --> 00:08:10,720
Speaker 3: Oh God, my brain and somebody who lives on the peninsula.

180
00:08:10,960 --> 00:08:13,160
Speaker 3: When she said I drove into the bay, I'm like,

181
00:08:13,200 --> 00:08:13,800
Speaker 3: would you do that?

182
00:08:16,760 --> 00:08:18,000
Speaker 1: You drive into the ocean?

183
00:08:18,360 --> 00:08:20,880
Speaker 4: Yeah, that'll clean it. I have a very good example

184
00:08:20,880 --> 00:08:22,200
Speaker 4: of that. For our next one, I've got a money

185
00:08:22,240 --> 00:08:24,960
Speaker 4: in from Wander he said, definitely a money win. I

186
00:08:25,000 --> 00:08:27,680
Speaker 4: was in a coma over my spending and transferring too

187
00:08:27,760 --> 00:08:30,480
Speaker 4: much out of my emergency fund into ETFs. I've been

188
00:08:30,480 --> 00:08:33,240
Speaker 4: more mindful this month after exporting my transactions into a

189
00:08:33,280 --> 00:08:36,320
Speaker 4: spreadsheet and have managed to have my spending mostly just

190
00:08:36,360 --> 00:08:38,480
Speaker 4: by being mindful on spending food and now I can

191
00:08:38,480 --> 00:08:42,480
Speaker 4: focus on rebuilding my emergency account. But Samantha commented under

192
00:08:42,480 --> 00:08:45,080
Speaker 4: that and said, I didn't read the whole post and

193
00:08:45,200 --> 00:08:47,199
Speaker 4: just read coma and thought, yeah, that's a good way

194
00:08:47,240 --> 00:08:53,160
Speaker 4: to save money. Made was she actually no, so she

195
00:08:53,320 --> 00:08:54,640
Speaker 4: is just a turn of phrase. Like I was in

196
00:08:54,679 --> 00:08:57,280
Speaker 4: a promar I was sick over my spending something.

197
00:08:57,360 --> 00:09:02,520
Speaker 1: I see. I was like, oh my god, that's hilarious. Well,

198
00:09:02,520 --> 00:09:06,320
Speaker 1: I guess he very me coded, like just skim reading

199
00:09:06,360 --> 00:09:07,240
Speaker 1: something and being like.

200
00:09:07,200 --> 00:09:11,240
Speaker 4: Whoa, next, I've got money. Went from Cassandra, who said

201
00:09:11,240 --> 00:09:13,400
Speaker 4: she got petrol for a dollar fifty two per litera

202
00:09:13,559 --> 00:09:16,720
Speaker 4: which included four cents off the majority of plays at

203
00:09:16,760 --> 00:09:18,880
Speaker 4: the time in the area where a dollar seventy five

204
00:09:18,960 --> 00:09:23,839
Speaker 4: at least. It makes me cringe though, because I now

205
00:09:23,880 --> 00:09:25,080
Speaker 4: I'm like, wow, do you like to do that?

206
00:09:25,160 --> 00:09:27,520
Speaker 1: So good? I remember when I wouldn't pay over a

207
00:09:27,559 --> 00:09:30,560
Speaker 1: dollar twenty so expensive? I remember, so.

208
00:09:30,640 --> 00:09:33,320
Speaker 3: I remember back in university, I used to have this

209
00:09:33,880 --> 00:09:38,240
Speaker 3: very old and very loved Toyota Avalon, so very similar

210
00:09:38,280 --> 00:09:41,080
Speaker 3: to a Camri but like the Grandpa version, and it

211
00:09:41,120 --> 00:09:44,160
Speaker 3: had been converted to LPG, and I remember it was

212
00:09:44,200 --> 00:09:47,680
Speaker 3: like forty five cents a litera to fifty cents a liter.

213
00:09:47,840 --> 00:09:50,319
Speaker 3: And I remember being like fifty cents a liter that's

214
00:09:50,400 --> 00:09:53,880
Speaker 3: cooked that's so expensive, girl, what what? Why did you

215
00:09:54,000 --> 00:09:57,120
Speaker 3: ever get rid of that car? Like that car was

216
00:09:57,679 --> 00:10:00,840
Speaker 3: the best thing since slice bread. So many questions about

217
00:10:00,840 --> 00:10:02,679
Speaker 3: the car, but I know we probably yeah, we'll talk

218
00:10:02,679 --> 00:10:03,200
Speaker 3: about it later.

219
00:10:04,040 --> 00:10:06,000
Speaker 4: I think the next I've got money in from Kate

220
00:10:06,080 --> 00:10:09,320
Speaker 4: who said her old Macpack backpack got repaired free of

221
00:10:09,400 --> 00:10:12,600
Speaker 4: charge because the zipper pocket stitching had started coming undone.

222
00:10:12,720 --> 00:10:14,360
Speaker 4: Do you know what's a sligh you being able to

223
00:10:14,360 --> 00:10:15,280
Speaker 4: get that out of your mouth?

224
00:10:15,320 --> 00:10:18,800
Speaker 1: And that the Macpack?

225
00:10:22,679 --> 00:10:25,440
Speaker 4: But she said, thanks Mackpack having a great policy save

226
00:10:25,520 --> 00:10:26,280
Speaker 4: this from landfill.

227
00:10:26,559 --> 00:10:27,439
Speaker 1: I love that.

228
00:10:27,559 --> 00:10:30,160
Speaker 4: But idea to I know that Patagonia have a really

229
00:10:30,160 --> 00:10:33,960
Speaker 4: good repairs policy. I think Lula Lemon as well, So

230
00:10:34,000 --> 00:10:37,400
Speaker 4: like maybe when you're shopping for things checking what places offer,

231
00:10:37,640 --> 00:10:39,680
Speaker 4: you know, maybe you pay a little bit more upfront,

232
00:10:39,679 --> 00:10:42,640
Speaker 4: but if they have a really good, you know, quality policy,

233
00:10:43,760 --> 00:10:44,800
Speaker 4: it's hard money.

234
00:10:44,880 --> 00:10:47,120
Speaker 1: Leggings replaced from Lulu Lemon.

235
00:10:47,160 --> 00:10:50,760
Speaker 3: I've also had them taken up for free from Lululemon

236
00:10:50,800 --> 00:10:53,400
Speaker 3: because sure, girl problems like you can buy any length

237
00:10:53,440 --> 00:10:55,240
Speaker 3: of them and they will shorten them to what you need.

238
00:10:55,440 --> 00:10:57,800
Speaker 3: And I have also had like stitching on one replaced

239
00:10:58,440 --> 00:10:59,559
Speaker 3: for free for free.

240
00:10:59,440 --> 00:11:02,640
Speaker 6: Amazing, and Lulu Lemon is eighteen percent cash back on

241
00:11:02,640 --> 00:11:09,080
Speaker 6: trip back. Oh it was, I don't if it's still amazing. Lastly,

242
00:11:09,120 --> 00:11:10,720
Speaker 6: this week, I've had a moneyment from Eve who said

243
00:11:10,760 --> 00:11:14,480
Speaker 6: she's been completing the my Medibank Live Better challenges religiously

244
00:11:14,559 --> 00:11:17,600
Speaker 6: over the last few months. Every day she's got herself

245
00:11:17,600 --> 00:11:19,719
Speaker 6: a pair of AirPods coming that she didn't have to

246
00:11:19,720 --> 00:11:22,319
Speaker 6: pay a cent for money good for me, and a

247
00:11:22,440 --> 00:11:25,199
Speaker 6: nice treat when points add up. So if you're a

248
00:11:25,200 --> 00:11:27,520
Speaker 6: Madibank customer, might be worth looking into that program. I

249
00:11:27,520 --> 00:11:29,640
Speaker 6: think it's similar to the Quantus Wellbeing program.

250
00:11:30,080 --> 00:11:33,199
Speaker 3: It's very cool and you're already doing the activities anyway,

251
00:11:33,320 --> 00:11:36,040
Speaker 3: and it's a good motivation too. You love it, Queen,

252
00:11:36,040 --> 00:11:40,280
Speaker 3: Miss Jessica, and she miss beck Si Yet I want

253
00:11:40,320 --> 00:11:42,400
Speaker 3: your three broke tips. I want him hard, I want

254
00:11:42,400 --> 00:11:44,840
Speaker 3: them fast. I want to know what, yes, ma'am.

255
00:11:44,880 --> 00:11:45,200
Speaker 1: Okay.

256
00:11:45,200 --> 00:11:47,600
Speaker 6: So this first one comes to my friend who is

257
00:11:48,360 --> 00:11:51,840
Speaker 6: I didn't realize, but a lot tighter than I thought.

258
00:11:52,120 --> 00:11:54,400
Speaker 1: I mean, but I like this.

259
00:11:54,720 --> 00:11:56,800
Speaker 5: Yeah, she's a budget queen. I didn't realize it's.

260
00:11:56,720 --> 00:12:01,760
Speaker 3: Actually secretly frugal, secretly frugal, Yeah exactly, But she did

261
00:12:02,559 --> 00:12:06,160
Speaker 3: run through so many things that I probably can't share.

262
00:12:05,960 --> 00:12:08,040
Speaker 6: On the podcast, but that's okay, But the ones that

263
00:12:08,080 --> 00:12:11,680
Speaker 6: I could. She said that some vegetables and fruits, fruits

264
00:12:11,679 --> 00:12:13,120
Speaker 6: and vegetables it's.

265
00:12:12,920 --> 00:12:14,440
Speaker 5: Weird saying the other way around, it's not right.

266
00:12:14,880 --> 00:12:17,000
Speaker 1: And fruits fruits.

267
00:12:17,320 --> 00:12:19,360
Speaker 6: She said that some of these don't have to like

268
00:12:19,640 --> 00:12:21,760
Speaker 6: it's more expensive to buy organic, but you don't need to,

269
00:12:21,880 --> 00:12:24,559
Speaker 6: is what she's saying. So things that like, you know,

270
00:12:24,640 --> 00:12:30,000
Speaker 6: thicker skins, like for example, banana, avocados, mushrooms are some examples.

271
00:12:30,040 --> 00:12:31,960
Speaker 6: I don't really understand the mushroom thing because there's.

272
00:12:31,800 --> 00:12:34,240
Speaker 3: No skin, and also there's like a lot of mushroom

273
00:12:34,280 --> 00:12:35,480
Speaker 3: drama going on right now.

274
00:12:35,720 --> 00:12:36,880
Speaker 5: There is a lot of mush and druma.

275
00:12:36,920 --> 00:12:40,319
Speaker 6: My friend is actually right now she's doing the doco

276
00:12:40,440 --> 00:12:41,359
Speaker 6: on that.

277
00:12:41,360 --> 00:12:45,160
Speaker 1: That's very good. No, no, don't say anymore. Don't say anymore,

278
00:12:45,440 --> 00:12:46,040
Speaker 1: very exciting.

279
00:12:46,160 --> 00:12:49,360
Speaker 6: So that's a good tip though, Yeah, good tips. So

280
00:12:49,600 --> 00:12:50,959
Speaker 6: some things don't need to be organic, so just have

281
00:12:51,240 --> 00:12:53,360
Speaker 6: a little Google before you go. If you are buying

282
00:12:53,400 --> 00:12:57,240
Speaker 6: things organic, just double check that it's worth.

283
00:12:56,920 --> 00:12:58,640
Speaker 5: It to just buy the regular.

284
00:12:58,840 --> 00:13:02,440
Speaker 7: And my other tipcums I add to your fridge vegetable

285
00:13:02,480 --> 00:13:05,640
Speaker 7: broke tip absolutely so, like I am now a parent

286
00:13:05,760 --> 00:13:11,160
Speaker 7: that has to financially recover from buying so many damn berries.

287
00:13:12,080 --> 00:13:15,440
Speaker 3: My son loves to eat berries, and I buy a

288
00:13:15,480 --> 00:13:18,040
Speaker 3: lot of them. Yes, we go through them relatively quickly.

289
00:13:18,080 --> 00:13:21,000
Speaker 3: But I learned to tip on TikTok that if you

290
00:13:21,040 --> 00:13:23,439
Speaker 3: fill a bowl with water and add a good splash

291
00:13:23,440 --> 00:13:26,000
Speaker 3: of vinegar and then your berries in and rinse them in,

292
00:13:26,040 --> 00:13:27,200
Speaker 3: that your berries will.

293
00:13:27,120 --> 00:13:28,280
Speaker 1: Last three times longer.

294
00:13:28,600 --> 00:13:32,360
Speaker 3: And I tested it and it worked like I ran

295
00:13:32,440 --> 00:13:36,000
Speaker 3: a full controls thing in my fridge. Yea, I like,

296
00:13:36,120 --> 00:13:38,520
Speaker 3: did one punnet of raspberries that I didn't wash and

297
00:13:38,600 --> 00:13:40,960
Speaker 3: one punnet that I did, And yeah, the one that

298
00:13:41,040 --> 00:13:44,360
Speaker 3: I did lasted so much longer, and the one that

299
00:13:44,520 --> 00:13:46,520
Speaker 3: didn't like had mold on it by the end of

300
00:13:46,520 --> 00:13:50,439
Speaker 3: the week. So wash your vegetables and fruits in vinegar

301
00:13:50,520 --> 00:13:51,560
Speaker 3: to make them last longer.

302
00:13:51,880 --> 00:13:52,200
Speaker 7: Wow.

303
00:13:52,280 --> 00:13:52,800
Speaker 1: I think that's a.

304
00:13:52,760 --> 00:13:55,160
Speaker 3: Good one, right, That is a really good one, especially

305
00:13:55,200 --> 00:13:58,720
Speaker 3: like berries and stuff, because vinegar is safe to consume.

306
00:13:58,800 --> 00:14:00,560
Speaker 1: But vinegar also killed mold.

307
00:14:01,080 --> 00:14:03,960
Speaker 3: That's why you should wash your shower and stuff with vinegar,

308
00:14:04,080 --> 00:14:07,400
Speaker 3: not with bleach, because bleach doesn't kill mold. Spores vinegar does,

309
00:14:08,200 --> 00:14:09,719
Speaker 3: so the science science.

310
00:14:09,520 --> 00:14:14,600
Speaker 1: Is behind it. Yeah, yeah, soft, I don't know why.

311
00:14:15,240 --> 00:14:19,160
Speaker 3: Instead of your fabric Softna, it's we didn't take over

312
00:14:19,200 --> 00:14:21,480
Speaker 3: from your broke tips if you don't continue.

313
00:14:21,080 --> 00:14:22,840
Speaker 5: No, no, I'm really happy with But like, does it

314
00:14:22,880 --> 00:14:23,760
Speaker 5: make your close?

315
00:14:24,960 --> 00:14:27,840
Speaker 1: I use it? God, that is everything.

316
00:14:27,840 --> 00:14:30,640
Speaker 3: Maybe we should do a whole segment what does VD

317
00:14:30,840 --> 00:14:31,480
Speaker 3: use vinegar for?

318
00:14:32,000 --> 00:14:34,440
Speaker 5: And you know what dipping a hot chip.

319
00:14:34,320 --> 00:14:39,760
Speaker 6: In the restaurant remaining Ye're delicious? Okay, So this next

320
00:14:39,760 --> 00:14:43,120
Speaker 6: one comes from my partner's sister. Currently, I'm sure we

321
00:14:43,160 --> 00:14:44,960
Speaker 6: all see these, like whenever you go to uber eats

322
00:14:45,000 --> 00:14:47,040
Speaker 6: or something and it always pops up uber one, Uber one.

323
00:14:47,040 --> 00:14:49,080
Speaker 6: I don't want uber one, okay, I don't want to

324
00:14:49,120 --> 00:14:51,320
Speaker 6: know that I'm using it so often that this will

325
00:14:51,360 --> 00:14:52,240
Speaker 6: be beneficial for me.

326
00:14:52,440 --> 00:14:53,680
Speaker 1: But right now uber one.

327
00:14:54,240 --> 00:14:56,720
Speaker 6: Basically what happened was the other day my partner and

328
00:14:56,760 --> 00:14:59,160
Speaker 6: her went to the movies and they got twelve dollar tickets,

329
00:14:59,520 --> 00:15:02,080
Speaker 6: unlimited popcorn, free refills.

330
00:15:02,400 --> 00:15:04,160
Speaker 1: So it was, what is that about?

331
00:15:04,400 --> 00:15:07,440
Speaker 3: And it's expensive free refield that's exactly right, And so

332
00:15:07,480 --> 00:15:08,280
Speaker 3: I stole a ticket.

333
00:15:08,360 --> 00:15:10,120
Speaker 1: So are we living in two thousand and nine?

334
00:15:10,200 --> 00:15:10,480
Speaker 3: I know?

335
00:15:10,640 --> 00:15:11,960
Speaker 5: And so I was like, how did this happen?

336
00:15:12,040 --> 00:15:14,480
Speaker 6: And she said because she joined uber one and it's

337
00:15:14,520 --> 00:15:16,080
Speaker 6: I'm assuming if I'm a.

338
00:15:16,040 --> 00:15:18,360
Speaker 1: Member of uber one, can I please have access? Yeah,

339
00:15:18,360 --> 00:15:18,920
Speaker 1: it's I think.

340
00:15:18,760 --> 00:15:20,360
Speaker 5: It's it's running ntil September, so.

341
00:15:20,360 --> 00:15:22,720
Speaker 1: Right, I get so I can access it? Yeah, you

342
00:15:22,720 --> 00:15:23,320
Speaker 1: can access it.

343
00:15:23,360 --> 00:15:26,320
Speaker 3: Money When is that? So you're saying you're enabling my

344
00:15:26,720 --> 00:15:31,000
Speaker 3: uber eats habit. Yeah, thank you, that's very kind. Money

345
00:15:31,000 --> 00:15:34,600
Speaker 3: tip my broad tips. Sorry Jess comes with money tips,

346
00:15:34,600 --> 00:15:35,640
Speaker 3: you come with broake tips.

347
00:15:36,120 --> 00:15:37,280
Speaker 5: I do am I one this week.

348
00:15:37,320 --> 00:15:40,720
Speaker 6: I'm so sorry it is only for the Melbourne people,

349
00:15:41,000 --> 00:15:43,880
Speaker 6: but I'm sure there is an equivalent elsewhere. As I

350
00:15:43,920 --> 00:15:48,880
Speaker 6: always say, so, A restaurant has opened up in Brunswick East,

351
00:15:49,240 --> 00:15:50,080
Speaker 6: brand new restaurant.

352
00:15:50,080 --> 00:15:50,800
Speaker 1: It's a wine bar.

353
00:15:50,920 --> 00:15:54,240
Speaker 6: Sorry I should say it's called Times New Roman Bar.

354
00:15:55,000 --> 00:15:55,760
Speaker 4: I love that name.

355
00:15:55,880 --> 00:15:56,840
Speaker 1: I know isn't cute.

356
00:15:57,000 --> 00:16:01,120
Speaker 6: And they're doing very very cheap eat. So for example,

357
00:16:01,400 --> 00:16:03,800
Speaker 6: these people got their bread which was three dollars Barada

358
00:16:03,800 --> 00:16:08,280
Speaker 6: and pickles six dollars Barada. I've never seen Barada under

359
00:16:08,640 --> 00:16:10,520
Speaker 6: seven hundred dollars, so.

360
00:16:10,680 --> 00:16:14,360
Speaker 1: Barada seen in under one thousand dollars, so that makes sense.

361
00:16:14,400 --> 00:16:15,880
Speaker 1: And then they're like tiny.

362
00:16:15,720 --> 00:16:18,600
Speaker 6: Totally and a half port of passes six dollars was

363
00:16:18,600 --> 00:16:21,320
Speaker 6: like a really lovely part of it happens to the Roman.

364
00:16:21,200 --> 00:16:23,880
Speaker 1: Is such a good name. Yeah, I'm still stuck on that.

365
00:16:24,360 --> 00:16:26,920
Speaker 3: Is there a bark or comic sands or is that

366
00:16:27,040 --> 00:16:31,640
Speaker 3: not cool? I think that that could be Windings, Windings.

367
00:16:31,880 --> 00:16:34,960
Speaker 6: I'm sure there's Windings. No one speaks any language in Winding.

368
00:16:35,120 --> 00:16:39,200
Speaker 6: They just took like simmish. Yes, So that is my

369
00:16:39,280 --> 00:16:41,280
Speaker 6: break tap this week is that if you live in Melbourne,

370
00:16:41,280 --> 00:16:43,640
Speaker 6: if you can access it, try and hit up times

371
00:16:43,680 --> 00:16:46,120
Speaker 6: in your Roman bar and get very cool food.

372
00:16:46,360 --> 00:16:47,840
Speaker 1: I love it. Let's go on a date there.

373
00:16:48,120 --> 00:16:50,960
Speaker 3: Yeah, all right, let's go to a really quick break

374
00:16:51,000 --> 00:16:52,960
Speaker 3: because on the flip side, we're going to be talking

375
00:16:53,000 --> 00:16:56,440
Speaker 3: about what do you do when chasing money is starting

376
00:16:56,480 --> 00:16:59,360
Speaker 3: to impact your health and something that you slid into

377
00:16:59,360 --> 00:17:01,520
Speaker 3: our dams? But what do you do when you're pouring

378
00:17:01,520 --> 00:17:03,440
Speaker 3: your savings into a house and you're.

379
00:17:03,280 --> 00:17:06,320
Speaker 1: Not even on the mortgage. So guys, don't go anywhere.

380
00:17:10,320 --> 00:17:11,359
Speaker 1: Welcome back, everybody.

381
00:17:11,440 --> 00:17:14,120
Speaker 5: Let's take a listen to this week's money dilemma.

382
00:17:16,640 --> 00:17:19,040
Speaker 1: Hi, there, have you got a money dilemma? You just

383
00:17:19,080 --> 00:17:21,600
Speaker 1: can't solve that? She's on the Money team is here

384
00:17:21,640 --> 00:17:22,040
Speaker 1: to help.

385
00:17:22,359 --> 00:17:25,399
Speaker 3: Every week, we tackle your dilemmas, both big and small,

386
00:17:25,440 --> 00:17:28,520
Speaker 3: to answer your most burning money, career and life questions.

387
00:17:28,720 --> 00:17:31,200
Speaker 3: To get involved, simply head to our website and leave

388
00:17:31,280 --> 00:17:33,400
Speaker 3: us a short voice recording and you might just find

389
00:17:33,440 --> 00:17:36,160
Speaker 3: yourself on the show. Now, let's take a listen to

390
00:17:36,200 --> 00:17:39,720
Speaker 3: this week's money dilemma.

391
00:17:41,520 --> 00:17:44,760
Speaker 8: Hey, She's on the Money. I am currently twenty one

392
00:17:44,840 --> 00:17:48,879
Speaker 8: years old and I'm a disability support worker. I have

393
00:17:49,000 --> 00:17:53,040
Speaker 8: recently started a new job and at the time I said, yes,

394
00:17:53,119 --> 00:17:55,639
Speaker 8: give me whatever hours you can. I'm happy to work,

395
00:17:56,600 --> 00:18:00,879
Speaker 8: you know, big hours. Anyway, fast forward are doing fifty

396
00:18:00,920 --> 00:18:04,920
Speaker 8: to sixty hour weeks, sometimes seventy and starting to take

397
00:18:04,960 --> 00:18:07,600
Speaker 8: a toll on my health. I've started throwing up of

398
00:18:07,640 --> 00:18:11,359
Speaker 8: a morning every day, feeling nauseous all the time, and

399
00:18:11,480 --> 00:18:14,200
Speaker 8: I don't know what to do because the money is

400
00:18:14,280 --> 00:18:17,159
Speaker 8: so great, but it's starting to take a toll of

401
00:18:17,200 --> 00:18:17,720
Speaker 8: my health.

402
00:18:18,280 --> 00:18:21,600
Speaker 3: Please help, oh girl, girl, we need to do something

403
00:18:21,600 --> 00:18:23,560
Speaker 3: about that, because that is no way to live.

404
00:18:23,600 --> 00:18:23,679
Speaker 2: Like.

405
00:18:23,720 --> 00:18:26,600
Speaker 3: Don't get me wrong, people are going to be listening

406
00:18:26,600 --> 00:18:28,840
Speaker 3: to this and go, well, I work fifty or sixty

407
00:18:28,920 --> 00:18:31,760
Speaker 3: hour weeks and that doesn't happen to me. Sit down,

408
00:18:31,800 --> 00:18:34,680
Speaker 3: your privilege is showing because when you are a disability

409
00:18:34,720 --> 00:18:38,919
Speaker 3: support worker that is so physically and mentally taxing that

410
00:18:38,960 --> 00:18:42,679
Speaker 3: it makes sense you are not physically well, but like

411
00:18:43,200 --> 00:18:47,080
Speaker 3: care about yourself because if you are not putting yourself

412
00:18:47,080 --> 00:18:49,479
Speaker 3: first in this situation, you're going to burn out real

413
00:18:49,560 --> 00:18:51,320
Speaker 3: quick and then you won't be able to earn money

414
00:18:51,400 --> 00:18:53,359
Speaker 3: for ages. Like I know that you're like, oh, I

415
00:18:53,359 --> 00:18:55,520
Speaker 3: don't want to step back from it, But if you

416
00:18:55,600 --> 00:18:58,920
Speaker 3: don't step back now and actually put yourself first, you

417
00:18:59,000 --> 00:19:00,879
Speaker 3: know what's going to happen. You're gonna burn out and

418
00:19:00,920 --> 00:19:02,919
Speaker 3: then you're gonna have no job because you won't have

419
00:19:02,960 --> 00:19:04,040
Speaker 3: the ability to work.

420
00:19:04,280 --> 00:19:05,240
Speaker 5: Yeah.

421
00:19:05,600 --> 00:19:11,000
Speaker 6: I think that if you literally cannot survive without doing

422
00:19:11,000 --> 00:19:13,280
Speaker 6: that many hours, that's probably a different conversation. You probably

423
00:19:13,280 --> 00:19:14,879
Speaker 6: need to look at either getting like a pay rise

424
00:19:15,200 --> 00:19:20,440
Speaker 6: or a whole a whole new job. But if you

425
00:19:20,440 --> 00:19:24,320
Speaker 6: can survive off less hours, but you just are really

426
00:19:24,400 --> 00:19:27,200
Speaker 6: really happy with the money that you're getting and you

427
00:19:27,240 --> 00:19:29,879
Speaker 6: feel like you're getting ahead, I totally get that feeling.

428
00:19:30,280 --> 00:19:33,360
Speaker 6: But maybe just try and either see if you can

429
00:19:33,440 --> 00:19:37,280
Speaker 6: like condense your days. Maybe you could do like four

430
00:19:37,359 --> 00:19:41,000
Speaker 6: ten hour days. Which is very, very very tiring, or

431
00:19:41,320 --> 00:19:45,200
Speaker 6: try and like work out a way that you can, yeah,

432
00:19:45,240 --> 00:19:47,920
Speaker 6: just kind of condense your days or hours. But I

433
00:19:47,960 --> 00:19:51,560
Speaker 6: can't imagine that any workplace would find an issue with

434
00:19:51,600 --> 00:19:54,560
Speaker 6: you being like, hey, can I not literally work twenty

435
00:19:54,600 --> 00:19:57,520
Speaker 6: four to seven. You will be able to ask for that,

436
00:19:57,640 --> 00:20:00,199
Speaker 6: I would say, And if they don't allow that, you

437
00:20:00,320 --> 00:20:02,560
Speaker 6: got to go somewhere else because it's absolutely not worth it.

438
00:20:02,640 --> 00:20:03,760
Speaker 6: No amount of money is worth it.

439
00:20:03,920 --> 00:20:05,840
Speaker 4: Yeah, there's no point earning all the money if you're

440
00:20:05,840 --> 00:20:09,000
Speaker 4: then so unwell that you can't spend it or enjoy it.

441
00:20:09,080 --> 00:20:13,199
Speaker 4: There's like money is it's counterintuitive, but like it's not

442
00:20:13,400 --> 00:20:15,560
Speaker 4: the most important thing. Like obviously, to a point, we

443
00:20:15,600 --> 00:20:17,840
Speaker 4: need money to be able to exist in this world,

444
00:20:17,840 --> 00:20:19,679
Speaker 4: to put a roof over our heads, et cetera. But

445
00:20:20,400 --> 00:20:22,840
Speaker 4: if you're not able to enjoy the fruits of your labor,

446
00:20:22,880 --> 00:20:26,600
Speaker 4: what's the point exactly? I think the Yeah, like, as

447
00:20:26,600 --> 00:20:28,520
Speaker 4: you were saying, I'm sure that if you spoke to

448
00:20:28,680 --> 00:20:31,479
Speaker 4: whoever's in charge of your scheduling and just said, you know,

449
00:20:31,560 --> 00:20:33,600
Speaker 4: I know that I said I wanted lots of hours,

450
00:20:33,600 --> 00:20:35,960
Speaker 4: and I'm so thankful you gave me lots, But it's

451
00:20:36,000 --> 00:20:38,280
Speaker 4: just taking a toll on me. They're probably just loading

452
00:20:38,280 --> 00:20:39,800
Speaker 4: you up because they're like, well, we've got someone who

453
00:20:39,880 --> 00:20:42,120
Speaker 4: wants to be loaded up, so take all the hours.

454
00:20:42,200 --> 00:20:44,240
Speaker 4: But if you said, hey, like it's having an impact

455
00:20:44,280 --> 00:20:47,280
Speaker 4: on me, I'm unwell, any considerate person would be like,

456
00:20:47,280 --> 00:20:49,160
Speaker 4: no worries, Like we can you know, help.

457
00:20:48,960 --> 00:20:51,719
Speaker 3: A safety issue as well, because you're not well and

458
00:20:51,760 --> 00:20:54,840
Speaker 3: you're taking that unwell body to work, something's going to

459
00:20:54,840 --> 00:20:55,440
Speaker 3: happen to work.

460
00:20:55,600 --> 00:20:56,360
Speaker 1: Yeah, definitely.

461
00:20:56,359 --> 00:20:58,760
Speaker 4: So I think, yeah, it's pretty clear from all three

462
00:20:58,800 --> 00:20:59,919
Speaker 4: of us it seems.

463
00:20:59,680 --> 00:21:02,360
Speaker 1: Really don't do that money. It's not worth it at all.

464
00:21:02,359 --> 00:21:04,439
Speaker 4: You've got to look after yourself. You can't pour for

465
00:21:04,480 --> 00:21:05,040
Speaker 4: an empty car.

466
00:21:05,320 --> 00:21:07,040
Speaker 5: It was just about to say that discorrectly.

467
00:21:07,160 --> 00:21:08,240
Speaker 1: Wow, exactly.

468
00:21:08,760 --> 00:21:12,040
Speaker 3: Also, I know that all of our advice is like,

469
00:21:12,160 --> 00:21:14,359
Speaker 3: you know, step back, it's not worth it, right, Maybe

470
00:21:14,400 --> 00:21:17,760
Speaker 3: you're thinking, well, I think it's worth it. I think

471
00:21:17,800 --> 00:21:19,480
Speaker 3: we need to look at the bigger picture as well,

472
00:21:19,520 --> 00:21:22,399
Speaker 3: because if you're working that many hours, how are you

473
00:21:22,440 --> 00:21:25,320
Speaker 3: supporting your health and well being outside of those hours,

474
00:21:25,720 --> 00:21:28,600
Speaker 3: Like are you still going out? Are you, you know,

475
00:21:29,000 --> 00:21:31,480
Speaker 3: not nourishing your body in the way that you should?

476
00:21:31,520 --> 00:21:35,400
Speaker 3: There are probably if you're going to continue this amount

477
00:21:35,400 --> 00:21:37,040
Speaker 3: of hours and you're like, oh, well, how do I

478
00:21:37,080 --> 00:21:39,040
Speaker 3: look after myself? Because like, go, I'm doing it whether

479
00:21:39,040 --> 00:21:41,239
Speaker 3: you like it or not. How are you, you know,

480
00:21:41,359 --> 00:21:43,720
Speaker 3: getting up in the mornings, are you getting enough sleep?

481
00:21:43,920 --> 00:21:46,520
Speaker 3: Like how do we prioritize looking after our body in

482
00:21:46,560 --> 00:21:49,280
Speaker 3: the moment, Because for a lot of us who are

483
00:21:49,400 --> 00:21:51,920
Speaker 3: in these situations where we are earning so much money

484
00:21:51,920 --> 00:21:54,200
Speaker 3: and we're well, we can't step back because I'm paying

485
00:21:54,200 --> 00:21:55,920
Speaker 3: off debt or I'm putting a roof over my head,

486
00:21:55,960 --> 00:21:57,199
Speaker 3: or i have kids, or I have all of the

487
00:21:57,440 --> 00:22:00,000
Speaker 3: Victoria's not we can't just step back and be like, well,

488
00:22:00,000 --> 00:22:01,639
Speaker 3: so the money's not worth it and flip our hair

489
00:22:01,720 --> 00:22:04,400
Speaker 3: over our shoulder and be fine with it. Like how

490
00:22:04,440 --> 00:22:06,719
Speaker 3: are you making sure that your body is in the

491
00:22:06,760 --> 00:22:10,080
Speaker 3: best possible position at the moment, Like I don't believe

492
00:22:10,119 --> 00:22:11,400
Speaker 3: that every single.

493
00:22:11,119 --> 00:22:12,760
Speaker 1: Thing can be imbalanced right now.

494
00:22:13,040 --> 00:22:16,040
Speaker 3: So like getting enough sleep, putting the right nutrition into

495
00:22:16,040 --> 00:22:19,800
Speaker 3: your body, you know, fostering positive relationships around you. Have

496
00:22:19,880 --> 00:22:21,920
Speaker 3: you got people that you can talk to about this,

497
00:22:22,000 --> 00:22:24,800
Speaker 3: because that will make the load feel even lighter, Like

498
00:22:24,840 --> 00:22:28,000
Speaker 3: what support is available to you? So like just hitting

499
00:22:28,040 --> 00:22:31,200
Speaker 3: the nail on the head with that as well. But ultimately,

500
00:22:31,240 --> 00:22:33,320
Speaker 3: if you're in that position where you can step back,

501
00:22:33,480 --> 00:22:35,960
Speaker 3: that's what I would be doing, sitting.

502
00:22:35,760 --> 00:22:37,440
Speaker 1: Lots of love. I hope you look after yourself my.

503
00:22:37,359 --> 00:22:40,000
Speaker 3: Life absolutely all right, guys, do you want to get

504
00:22:40,040 --> 00:22:43,880
Speaker 3: into the juicy DM we got this weekly. I'm excited

505
00:22:43,920 --> 00:22:45,639
Speaker 3: you said yes because I was going to do it anyway.

506
00:22:46,000 --> 00:22:49,320
Speaker 3: So this week our DM high shees. On the money,

507
00:22:49,440 --> 00:22:52,800
Speaker 3: I have a financial dilemma or question. My in laws

508
00:22:52,880 --> 00:22:55,359
Speaker 3: have offered for us to build on a block that

509
00:22:55,400 --> 00:22:57,560
Speaker 3: they have in an area we would never be able

510
00:22:57,560 --> 00:22:59,920
Speaker 3: to afford to buy in. We would just need to

511
00:23:00,119 --> 00:23:02,840
Speaker 3: pay for the mortgage repayments for the cost of the build.

512
00:23:03,400 --> 00:23:06,440
Speaker 3: It's financially a great opportunity, and I have a great

513
00:23:06,480 --> 00:23:09,879
Speaker 3: relationship with my in laws. However, the block is not

514
00:23:10,080 --> 00:23:13,080
Speaker 3: in my name, and so the house and loan will

515
00:23:13,119 --> 00:23:15,040
Speaker 3: also not be in my name, and we will be

516
00:23:15,080 --> 00:23:18,600
Speaker 3: pouring our savings into them. It is in their will

517
00:23:18,640 --> 00:23:20,439
Speaker 3: that it will go to my partner and I, but

518
00:23:20,800 --> 00:23:23,760
Speaker 3: until then I need to protect myself. My partner and

519
00:23:23,800 --> 00:23:26,240
Speaker 3: I were looking at getting a financial agreement in place

520
00:23:26,280 --> 00:23:29,160
Speaker 3: by a lawyer so that my money is protected. However,

521
00:23:29,359 --> 00:23:31,399
Speaker 3: I don't know what to put in this document or

522
00:23:31,480 --> 00:23:34,119
Speaker 3: advice on what other people had wished they had in

523
00:23:34,160 --> 00:23:37,160
Speaker 3: place before entering into an agreement like this, What would

524
00:23:37,200 --> 00:23:37,480
Speaker 3: you do?

525
00:23:39,760 --> 00:23:42,360
Speaker 5: It's really it is a tricky one.

526
00:23:42,800 --> 00:23:43,119
Speaker 4: I don't know.

527
00:23:43,160 --> 00:23:44,439
Speaker 5: I feel like I don't know enough about this, so

528
00:23:44,560 --> 00:23:45,480
Speaker 5: I apologize in advance.

529
00:23:45,520 --> 00:23:46,760
Speaker 1: But we can make some assumptions.

530
00:23:47,280 --> 00:23:49,119
Speaker 6: Yes, And also but I don't know the like that

531
00:23:49,480 --> 00:23:51,679
Speaker 6: much about like owning a home or anything like that

532
00:23:51,720 --> 00:23:53,520
Speaker 6: in general. But I think, yeah, if you could, if

533
00:23:53,560 --> 00:23:56,280
Speaker 6: you put like some sort of like financial something in

534
00:23:56,359 --> 00:24:01,159
Speaker 6: place to make sure that you'll protect I don't know

535
00:24:01,200 --> 00:24:01,680
Speaker 6: the whole thing.

536
00:24:01,720 --> 00:24:03,800
Speaker 5: To me, really, I am a person who's like, oh,

537
00:24:03,840 --> 00:24:04,560
Speaker 5: too hard basket.

538
00:24:04,600 --> 00:24:06,480
Speaker 6: I kind of like, and that's why i'm, you know,

539
00:24:06,560 --> 00:24:10,360
Speaker 6: financially not getting ahead because I'm always like it's too

540
00:24:10,400 --> 00:24:14,560
Speaker 6: much work. So but I feel like it's maybe too

541
00:24:14,640 --> 00:24:16,680
Speaker 6: much and I would just be like, oh, don't worry

542
00:24:16,720 --> 00:24:18,280
Speaker 6: about it. I also feel like, is this a place

543
00:24:18,320 --> 00:24:20,200
Speaker 6: you want to move to or are you just like

544
00:24:20,200 --> 00:24:21,920
Speaker 6: like if someone said to me, like, oh, you could

545
00:24:22,160 --> 00:24:24,760
Speaker 6: own a house in Vall Clues in Sydney, I'll be

546
00:24:24,760 --> 00:24:29,600
Speaker 6: like that sounds great. It's just for context, very expensive area.

547
00:24:29,680 --> 00:24:32,000
Speaker 6: A gorgeous area, but I don't want to move to

548
00:24:32,000 --> 00:24:34,480
Speaker 6: Sydney and I don't want to live in voll Clues

549
00:24:34,800 --> 00:24:37,280
Speaker 6: and that was never of my hopes and dreams lists.

550
00:24:37,280 --> 00:24:40,080
Speaker 6: So I'm like, oh, cool, this opportunity to live somewhere

551
00:24:40,200 --> 00:24:43,199
Speaker 6: I've literally never wanted to live before. I'll be so

552
00:24:43,240 --> 00:24:46,080
Speaker 6: far away from my friends and family, but it's a

553
00:24:46,160 --> 00:24:49,920
Speaker 6: very expensive area. I would be like, no thing, cause

554
00:24:49,920 --> 00:24:52,399
Speaker 6: I'll just do keep doing what I'm doing. I'm happy,

555
00:24:52,440 --> 00:24:55,800
Speaker 6: I'm on the right trajectory and I'll eventually buy where

556
00:24:55,840 --> 00:24:58,960
Speaker 6: I want to live. And so if that's something, if

557
00:24:58,960 --> 00:25:00,679
Speaker 6: you're like, am I just do? I just feel this

558
00:25:00,800 --> 00:25:02,480
Speaker 6: urgency because I'm like, well, what am I going to

559
00:25:02,520 --> 00:25:05,320
Speaker 6: get this opportunity again? Then maybe you think about like

560
00:25:05,720 --> 00:25:07,879
Speaker 6: is this something you want to do or you just

561
00:25:07,920 --> 00:25:09,879
Speaker 6: feel like you It'd be really.

562
00:25:09,680 --> 00:25:12,520
Speaker 3: Assuming she wants to because she said, oh, in an

563
00:25:12,600 --> 00:25:15,440
Speaker 3: area that I couldn't afford, Like, because I'm assuming when

564
00:25:15,440 --> 00:25:17,240
Speaker 3: you say what I mean in an area I can't afford.

565
00:25:17,240 --> 00:25:19,080
Speaker 3: It's like we would love to live there, but like

566
00:25:19,640 --> 00:25:20,680
Speaker 3: we can't afford a block.

567
00:25:21,000 --> 00:25:21,600
Speaker 1: You know what I mean?

568
00:25:21,640 --> 00:25:23,359
Speaker 5: I know, but that's what I mean, is like, is

569
00:25:23,359 --> 00:25:24,120
Speaker 5: it that's what I meant.

570
00:25:24,400 --> 00:25:26,960
Speaker 4: The cost of living going to be higher in this area?

571
00:25:27,080 --> 00:25:28,359
Speaker 4: Is that kind of what you're getting out, like if

572
00:25:28,400 --> 00:25:30,119
Speaker 4: you live in a more affluent area.

573
00:25:30,200 --> 00:25:32,159
Speaker 6: I guess, so, I guess what I'm getting at is like,

574
00:25:32,400 --> 00:25:34,080
Speaker 6: was that an area you wanted to live in. Was

575
00:25:34,119 --> 00:25:35,399
Speaker 6: that an area that you were like, oh my god,

576
00:25:35,440 --> 00:25:37,840
Speaker 6: I would love to live here, or is it like WHOA,

577
00:25:37,840 --> 00:25:39,960
Speaker 6: I would never usually be able to afford this, but

578
00:25:40,000 --> 00:25:41,359
Speaker 6: I didn't want to live here.

579
00:25:42,040 --> 00:25:44,880
Speaker 5: I just you know what I mean, So figure out

580
00:25:44,960 --> 00:25:45,959
Speaker 5: that's what's going on?

581
00:25:46,359 --> 00:25:47,880
Speaker 1: Yes, jess what are you doing?

582
00:25:47,960 --> 00:25:50,679
Speaker 4: From a contractual perspective, I would probably be looking to

583
00:25:50,680 --> 00:25:53,399
Speaker 4: put a clause in. I mean, honestly, first and foremost,

584
00:25:53,520 --> 00:25:55,640
Speaker 4: I would just be relying on a lawyer personally, like.

585
00:25:55,920 --> 00:26:00,320
Speaker 3: Yeah, get that advice from that lawyer, baby, Yeah, that

586
00:26:00,359 --> 00:26:02,880
Speaker 3: you value our opinion, and obviously we're going to tell

587
00:26:02,880 --> 00:26:03,400
Speaker 3: you what we think.

588
00:26:03,440 --> 00:26:05,320
Speaker 4: But like I would be putting my faith in someone

589
00:26:05,320 --> 00:26:06,880
Speaker 4: who does this day in and day out for their job.

590
00:26:07,160 --> 00:26:09,000
Speaker 4: The kind of clause I would be looking for is

591
00:26:09,000 --> 00:26:12,320
Speaker 4: perhaps something that would say because wills can be changed,

592
00:26:12,359 --> 00:26:14,560
Speaker 4: and that would be my concern. So, like if the

593
00:26:14,600 --> 00:26:18,160
Speaker 4: will was to be changed or if you know, God

594
00:26:18,160 --> 00:26:20,200
Speaker 4: forbid you and your partner were to break up or

595
00:26:20,280 --> 00:26:24,119
Speaker 4: go separate ways or something like that, you would be

596
00:26:24,359 --> 00:26:27,119
Speaker 4: repaid the money that you had put into the house.

597
00:26:27,359 --> 00:26:29,119
Speaker 4: And I mean like you could look at you know,

598
00:26:29,160 --> 00:26:31,240
Speaker 4: maybe with interest or you know, if the house were

599
00:26:31,280 --> 00:26:32,720
Speaker 4: to sell, you could get a percentage. There's lots of

600
00:26:32,720 --> 00:26:34,080
Speaker 4: different ways that you could split it. And that's where

601
00:26:34,080 --> 00:26:35,800
Speaker 4: I'd kind of rely on the lawyer to be like, well,

602
00:26:35,840 --> 00:26:38,800
Speaker 4: what's the best way to go about this. But I

603
00:26:38,800 --> 00:26:40,760
Speaker 4: would be looking to kind of find a way to

604
00:26:40,880 --> 00:26:43,960
Speaker 4: ensure that there's a contract in place to say that

605
00:26:44,400 --> 00:26:46,199
Speaker 4: if for whatever reason, the whole thing went tits up,

606
00:26:46,280 --> 00:26:49,000
Speaker 4: like you're getting your money back because on paper you

607
00:26:49,119 --> 00:26:51,919
Speaker 4: have no ownership, like you're not entitled to anything. So

608
00:26:51,960 --> 00:26:55,040
Speaker 4: I would be seeking to clarify that specifically.

609
00:26:55,440 --> 00:26:57,199
Speaker 1: Yeah, so you can do that.

610
00:26:57,560 --> 00:27:00,399
Speaker 3: I when I was a financial adviser, had to client

611
00:27:00,440 --> 00:27:03,480
Speaker 3: that went through this because his family were really wealthy

612
00:27:03,640 --> 00:27:06,680
Speaker 3: and they like the reason they didn't want to like

613
00:27:06,920 --> 00:27:10,320
Speaker 3: gift the property was like it was quite complex, it

614
00:27:10,359 --> 00:27:12,000
Speaker 3: was in a trust. They would have been a whole

615
00:27:12,000 --> 00:27:14,560
Speaker 3: heap of capital gains to like pay to get it out,

616
00:27:14,640 --> 00:27:17,440
Speaker 3: Like there was a good reason for it, but binding

617
00:27:17,480 --> 00:27:20,840
Speaker 3: financial agreement with contribution clauses. We want to sit down

618
00:27:21,040 --> 00:27:23,600
Speaker 3: and go, okay, cool. If I'm putting my money in,

619
00:27:24,000 --> 00:27:25,679
Speaker 3: I want a clause in there that says I'm going

620
00:27:25,720 --> 00:27:27,639
Speaker 3: to get my money back. I also want to make

621
00:27:27,680 --> 00:27:30,879
Speaker 3: sure that there's like a reimbursement or a compensation clause,

622
00:27:30,920 --> 00:27:34,720
Speaker 3: so if the property is sold or transfers names, or

623
00:27:34,880 --> 00:27:39,200
Speaker 3: my circumstance changes, like we break up, like what happens,

624
00:27:39,240 --> 00:27:42,240
Speaker 3: Like there's not just a caveat that says if it's sold,

625
00:27:42,280 --> 00:27:44,760
Speaker 3: I get my money back. Like how is this going

626
00:27:44,800 --> 00:27:48,280
Speaker 3: to be reimbursed to me? Because obviously it's on his parents' land.

627
00:27:48,359 --> 00:27:50,280
Speaker 3: I'm assuming that you're not going to get to keep

628
00:27:50,320 --> 00:27:52,160
Speaker 3: the land if you break up, But like what about

629
00:27:52,160 --> 00:27:54,080
Speaker 3: the house, Like it's not going to be an option

630
00:27:54,200 --> 00:27:56,359
Speaker 3: for you to stay in that house. So there's like

631
00:27:56,400 --> 00:27:58,480
Speaker 3: a few more things I want you to think about there,

632
00:27:58,760 --> 00:28:01,240
Speaker 3: But you are absolutely on the right path and asking

633
00:28:01,240 --> 00:28:03,920
Speaker 3: the right questions right now to put yourself in the

634
00:28:03,920 --> 00:28:07,040
Speaker 3: best possible position. And then the other thing I would

635
00:28:07,080 --> 00:28:12,760
Speaker 3: touch on is maybe like I don't know, like spicy

636
00:28:12,840 --> 00:28:17,119
Speaker 3: not spicy, Like the inheritance intentions, Yeah, they mean nothing.

637
00:28:17,480 --> 00:28:20,840
Speaker 3: So just because it's in his parents' will to go

638
00:28:20,920 --> 00:28:23,360
Speaker 3: to you, you can change your will tomorrow. You don't

639
00:28:23,400 --> 00:28:25,760
Speaker 3: need permission from anybody else to change it. They could

640
00:28:25,800 --> 00:28:28,439
Speaker 3: show you a signed copy of their will today, you

641
00:28:28,520 --> 00:28:30,359
Speaker 3: sign off on everything, and they go back to their

642
00:28:30,400 --> 00:28:33,240
Speaker 3: lawyers tomorrow and change it. It doesn't matter who it's

643
00:28:33,320 --> 00:28:36,960
Speaker 3: like entrusted to right now. That doesn't uphold in court,

644
00:28:37,160 --> 00:28:39,800
Speaker 3: Like there's no reason, Like they don't owe you anything,

645
00:28:39,920 --> 00:28:42,720
Speaker 3: if that makes sense. So, while that is a beautiful intention,

646
00:28:43,400 --> 00:28:46,240
Speaker 3: I would actually like a binding financial agreement that says

647
00:28:46,480 --> 00:28:49,000
Speaker 3: I will get my money back. Yeah, and whatever other

648
00:28:49,080 --> 00:28:52,280
Speaker 3: clauses you think are important, because it's just what are

649
00:28:52,320 --> 00:28:55,440
Speaker 3: my rules if it's coming to me? Also, like maintenance,

650
00:28:55,800 --> 00:28:58,520
Speaker 3: land taxes rates, who's paying those?

651
00:28:58,760 --> 00:28:59,160
Speaker 4: Yeah?

652
00:28:59,240 --> 00:29:01,560
Speaker 3: Like if it's not in my name, is that my responsibility?

653
00:29:01,600 --> 00:29:03,680
Speaker 3: Can we get clarity on that? Also, if I do

654
00:29:03,800 --> 00:29:06,400
Speaker 3: start paying the rates for that property, do I have

655
00:29:06,520 --> 00:29:10,920
Speaker 3: any entitlement to asking for that land in the future

656
00:29:11,200 --> 00:29:14,160
Speaker 3: if we separate. There's a lot of questions that I

657
00:29:14,200 --> 00:29:16,080
Speaker 3: can't answer because I'm not a lawyer. Go talk to

658
00:29:16,120 --> 00:29:17,480
Speaker 3: a lawyer. But those are the things.

659
00:29:17,360 --> 00:29:17,920
Speaker 1: You can ask.

660
00:29:18,120 --> 00:29:20,200
Speaker 3: Yeah, what everybody else say oh, there was a lot

661
00:29:20,200 --> 00:29:23,760
Speaker 3: of conversation. So first question we asked to the community,

662
00:29:23,760 --> 00:29:25,720
Speaker 3: would you enter in agreement to build a house with

663
00:29:25,760 --> 00:29:28,240
Speaker 3: your in laws like this? Twenty two percent of you

664
00:29:28,240 --> 00:29:29,960
Speaker 3: said yep, if it means I could have a house,

665
00:29:30,520 --> 00:29:33,520
Speaker 3: thirty percent said no, way to messy, and forty eight

666
00:29:33,560 --> 00:29:36,200
Speaker 3: percent of you said, well, it depends on the in laws.

667
00:29:37,160 --> 00:29:39,520
Speaker 3: We asked another question, what do you think should happen

668
00:29:39,680 --> 00:29:43,200
Speaker 3: if the relationship ended? So thirty five percent of you

669
00:29:43,240 --> 00:29:46,120
Speaker 3: said yep. Should be paid out at market value, thirty

670
00:29:46,120 --> 00:29:50,080
Speaker 3: one percent negotiate based on the situation, twenty five percent

671
00:29:50,160 --> 00:29:53,160
Speaker 3: said sell and spralit the profits, and nine percent of

672
00:29:53,320 --> 00:29:57,560
Speaker 3: you said, just reimburse my contributions. Which interesting, but like,

673
00:29:57,680 --> 00:30:00,320
Speaker 3: these are the questions that you need to do, take

674
00:30:00,360 --> 00:30:03,440
Speaker 3: to the lawyer to go well in the event that

675
00:30:03,680 --> 00:30:05,959
Speaker 3: this doesn't work out. And that's what I mean about.

676
00:30:06,160 --> 00:30:08,880
Speaker 3: You know what happens if you break up Every situation,

677
00:30:09,200 --> 00:30:12,400
Speaker 3: every business, every property needs an exit strategy.

678
00:30:12,640 --> 00:30:14,560
Speaker 1: You need an exit. I don't care who you are.

679
00:30:15,400 --> 00:30:17,080
Speaker 3: Jess is going to buy her first home at some

680
00:30:17,160 --> 00:30:19,840
Speaker 3: point soon and I'm so flipping excited about it. But

681
00:30:19,920 --> 00:30:21,720
Speaker 3: one of the first questions I will ask her, what's

682
00:30:21,760 --> 00:30:25,040
Speaker 3: your exit strategy. How would we sell this? How is

683
00:30:25,120 --> 00:30:27,280
Speaker 3: it structured? Like just might be like it's my family home.

684
00:30:27,320 --> 00:30:29,200
Speaker 3: I never want to sell it. Cool, but we always

685
00:30:29,200 --> 00:30:32,760
Speaker 3: have an exit strategy. Anyway, we ask the community, what

686
00:30:32,800 --> 00:30:35,960
Speaker 3: are your two cents? First person, I thought my in

687
00:30:36,040 --> 00:30:39,760
Speaker 3: laws were great too until they weren't get it in writing.

688
00:30:39,840 --> 00:30:41,640
Speaker 3: But seriously find another way.

689
00:30:42,160 --> 00:30:42,480
Speaker 2: Yeah.

690
00:30:42,840 --> 00:30:45,200
Speaker 3: Next person said, just speak to a lawyer. Cover all

691
00:30:45,240 --> 00:30:47,840
Speaker 3: your bases. If you split up, you or the in laws,

692
00:30:49,000 --> 00:30:52,479
Speaker 3: death happens, changes happen, make sure you're covered.

693
00:30:53,040 --> 00:30:53,560
Speaker 1: I agree.

694
00:30:53,600 --> 00:30:57,720
Speaker 3: Another person said, you need to consider any ramifications are

695
00:30:58,120 --> 00:31:01,760
Speaker 3: the ato with avoiding damp duty, which is true, and

696
00:31:01,800 --> 00:31:05,080
Speaker 3: it's also probably one of the reasons why they don't

697
00:31:05,080 --> 00:31:07,240
Speaker 3: want to transfer it into your name because you might

698
00:31:07,320 --> 00:31:10,080
Speaker 3: trigger a cell and you might trigger a transfer of

699
00:31:10,160 --> 00:31:14,200
Speaker 3: assets and some stamp duty, because stamp duty happens, whether

700
00:31:14,240 --> 00:31:16,520
Speaker 3: you like it or not, when you transfer property from

701
00:31:16,560 --> 00:31:19,960
Speaker 3: one name to an another. However, if it is in

702
00:31:20,160 --> 00:31:23,600
Speaker 3: a will and it's like part of a deceased a state,

703
00:31:23,720 --> 00:31:25,960
Speaker 3: often that's waived, so that might be why it's like

704
00:31:26,080 --> 00:31:28,320
Speaker 3: in the will. But I want this stuff in writing.

705
00:31:28,320 --> 00:31:30,960
Speaker 3: I want a legally binding contract. Because a will that's

706
00:31:31,040 --> 00:31:32,320
Speaker 3: just thoughts and hopes and dreams.

707
00:31:32,320 --> 00:31:32,640
Speaker 1: Baby.

708
00:31:33,600 --> 00:31:37,240
Speaker 3: Someone else said, and this person's user name has like

709
00:31:37,320 --> 00:31:42,160
Speaker 3: the word legal in it, so like, oh yeah, and.

710
00:31:42,880 --> 00:31:46,320
Speaker 1: She prefaces it with as a property lawyer. There you go.

711
00:31:47,080 --> 00:31:49,960
Speaker 1: My opinion is this is hands down.

712
00:31:49,880 --> 00:31:53,280
Speaker 3: A very terrible idea. And then she uses six red

713
00:31:53,320 --> 00:31:54,160
Speaker 3: flag emojis.

714
00:31:54,160 --> 00:31:58,440
Speaker 6: Oh that's the person I'm listening to. Yeah, I'm going

715
00:31:58,440 --> 00:31:59,080
Speaker 6: about she.

716
00:31:59,000 --> 00:32:01,440
Speaker 1: Has legal in her user Yeah.

717
00:32:01,680 --> 00:32:04,440
Speaker 3: Another person who does not have legal in her username said,

718
00:32:04,600 --> 00:32:07,440
Speaker 3: I'm so surprised at how many people would be happy

719
00:32:07,760 --> 00:32:11,480
Speaker 3: to sign this. Yes, I have a three party one

720
00:32:11,480 --> 00:32:14,719
Speaker 3: for you. This is again not a legal representative that

721
00:32:14,800 --> 00:32:18,200
Speaker 3: has disclosed. Someone said, I'm in a similar situation. My

722
00:32:18,360 --> 00:32:21,640
Speaker 3: in laws helped my fiance buy a property, and I'm

723
00:32:21,680 --> 00:32:24,760
Speaker 3: expected to pay off the mortgage. They wouldn't accept having

724
00:32:24,800 --> 00:32:27,480
Speaker 3: my name on it. We are getting a binding financial agreement,

725
00:32:27,520 --> 00:32:30,720
Speaker 3: but I still think it is unfair. Mortgage repayments are

726
00:32:30,800 --> 00:32:32,120
Speaker 3: a huge contribution.

727
00:32:33,120 --> 00:32:35,440
Speaker 4: Yeah, so that person, I'd be saying, just pay market

728
00:32:35,480 --> 00:32:38,760
Speaker 4: value rent them. Yeah yeah, yeah, Rather so my mortgage

729
00:32:38,760 --> 00:32:40,920
Speaker 4: contribution will be in line with what I would pay,

730
00:32:41,040 --> 00:32:41,200
Speaker 4: but that.

731
00:32:41,200 --> 00:32:44,560
Speaker 3: Would be logical. Yeah, don't be here with your logic.

732
00:32:45,800 --> 00:32:47,560
Speaker 3: Someone else said, and I'm just going to give you

733
00:32:47,560 --> 00:32:50,720
Speaker 3: two more. Someone else said, generous in laws who clearly

734
00:32:50,880 --> 00:32:54,320
Speaker 3: love you, take the deal with an arrangement in place. Again,

735
00:32:54,400 --> 00:32:56,280
Speaker 3: everyone has but everyone has different opinions.

736
00:32:56,400 --> 00:32:57,040
Speaker 5: Right, that's true.

737
00:32:57,320 --> 00:32:58,680
Speaker 1: And then last one.

738
00:32:58,520 --> 00:33:02,520
Speaker 3: I'll share is in laws will always protect their own blood.

739
00:33:03,160 --> 00:33:05,720
Speaker 3: Do you have your own money to go to court

740
00:33:05,720 --> 00:33:06,840
Speaker 3: if it doesn't work out?

741
00:33:07,440 --> 00:33:08,720
Speaker 5: Well, that's a very good point.

742
00:33:08,760 --> 00:33:11,680
Speaker 1: I think that's a very good point. But anyway, good.

743
00:33:11,560 --> 00:33:14,240
Speaker 4: Luck, talk to talk to a lawyer.

744
00:33:14,600 --> 00:33:16,520
Speaker 1: Have a good weekend. I think we're going to wrap

745
00:33:16,560 --> 00:33:17,040
Speaker 1: it up here.

746
00:33:17,280 --> 00:33:19,760
Speaker 3: So have a good weekend, my friends, and we'll see

747
00:33:19,760 --> 00:33:22,640
Speaker 3: you on Monday, bright and early for a money Monday Diary.

748
00:33:22,920 --> 00:33:25,640
Speaker 1: Bye, guys, Money Monday Diary. Just think about I'll see

749
00:33:25,640 --> 00:33:25,960
Speaker 1: you later.

750
00:33:32,640 --> 00:33:34,800
Speaker 3: The ad buy shared on She's on the Money is

751
00:33:34,880 --> 00:33:38,480
Speaker 3: general in nature and does not consider your individual circumstances.

752
00:33:38,840 --> 00:33:42,240
Speaker 3: She's on the Money exists purely for educational purposes and

753
00:33:42,280 --> 00:33:44,680
Speaker 3: should not be relied upon to make an investment or

754
00:33:44,760 --> 00:33:48,400
Speaker 3: financial decision. If you do choose to buy a financial product,

755
00:33:48,440 --> 00:33:52,440
Speaker 3: read the PDS TMD and obtain appropriate financial advice tailored

756
00:33:52,480 --> 00:33:55,960
Speaker 3: towards your needs. Victoria divine and She's on the money.

757
00:33:55,960 --> 00:34:00,280
Speaker 3: Are authorized representatives of money sheirper Pty Ltd. A b

758
00:34:00,440 --> 00:34:03,520
Speaker 3: N three two one six four nine two seven seven

759
00:34:03,600 --> 00:34:06,520
Speaker 3: zero eight a F s L four five one two

760
00:34:06,560 --> 00:34:08,200
Speaker 3: eight nine